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0 12 September 2017

More often insureds are entering into contracts that require higher policy limits.   We have several excellent markets for umbrella / excess liability to help you round out an account. Often umbrella/excess coverage is the last line to get quoted and quick turn-around time is essential. In order to provide quick turn-around, please provide us with a complete submission which includes:

  • Acord application (Acord 125 and 131) completed in entirety, especially years in business, requested limits, payroll, receipts, underlying carrier, dates, limits and premium, and vehicle information including the radius of operation. Be sure to provide full details on the applicant’s exposure.
  • 5 year currently valued CGL, Auto and EL loss runs
  • Expiring umbrella carrier, limit and premium (if applicable)
  • Vehicle schedule
  • MVR for drivers (if you have them)
  • Underlying Auto and CGL quotes (or policies if already issued)
  • If the risk is a contractor, we need a contractor supplement.
  • If the risk is trucking, we need to know what they are hauling, how far
0 22 August 2017

Hotel/motel exposure? Let us help! At Interstate we pride ourselves on customer service! We will quickly provide a competitive quote, with adequate coverage for your insureds’ needs. A+ carriers. ACCEPTABLE MOTEL/HOTEL RISKS

  • Independent
  • Franchised and Non-Franchised
  • Boutique
  • Resorts

FEATURES AND HIGHLIGHTS

  • Competitive rates
  • Inkeepers’ Legal Liability $2,500 on premises limit

COVERAGE OFFERED

  • General Liability
  • Property
  • Liquor Liability
  • Crime
  • Inland Marine
  • Commercial Excess

Will consider the following class-related exposures:

  • Convention Centers
  • Pool or Beaches
  • Restaurants
  • Campgrounds

OPTIONAL ENHANCEMENTS

  • Property extensions, including sewer backup, property off premises, and outdoor property
  • Privacy breach coverage – Limits up to $300,000/$300,000
  • Equipment Breakdown
  • Assault or Battery – Limits up to $300,000/$300,000
  • Liability for guests’ property – Limits up to $25,000
  • Exclusion – Total pollution with hostile fire exception

Send your hotel/motel submissions to Interstate today! As always, we appreciate doing busin

0 2 August 2017

Interstate delivers access to an ‘A’ rated admitted program exclusively designed for Human and Social Services Organizations. This exclusive specialty program has been providing packaged insurance solutions for over three decades and is continually evolving to stay up-to-date with coverage enhancements that Social Service Organizations face today. Over 200 Classes including:

  • Animal Shelters
  • Education & Day Care
  • Family Services & Counseling
  • Food Distribution & Thrift Stores
  • Arts & Cultural
  • Clubs
  • Housing & Shelters
  • Community Services
  • Recreation & Sports
  • Religious
  • Youth Services
  • Foundations & Grant Making

Lines of Coverage available:

  • Comprehensive Package Policy (CGL, Property, Cyber, Crime and Fidelity, Inland Marine, Hired and Non-owned Auto)
  • Directors’ and Officers’
  • Commercial Auto

Coverage Features:

  • Primary Limits up to $1 Million / $3 Million
  • Separate Coverage for CGL, Abuse or Molestation and Professional Liability Coverage.
  • Defense and Expense Costs outside Limits.
  • Additional Excess and Umbrella limits up to $15 Million
  • Interstate provides solutions. We deliver for you!

Lee Morr

0 11 July 2017

When you think of Interstate transportation, do you think “surplus lines” or “non-standard”? We need to change your way of thinking. Several of our agents recently commented that they are placing their truck business directly with “standard” markets. We are here to tell you that all of our truck markets are “standard” and admitted. In fact, our transportation carriers are bigger and are more financially sound than most direct retail markets. When you represent such giants as Zurich, National Casualty (Nationwide), Northland (Travelers), National Indemnity (Berkshire Hathaway), and Canal, you can’t help but be proud of the business that you do. We sleep well at night and so should you.

Give us a call today on any transportation risk and remember we provide solutions for you – we deliver.

Let’s grow together!

Ann Wysocki
Senior Underwriter-Auto

T: 800.452.0297 | F: 814.255.6010
ann@interstate-insurance.com
www.interstate-insurance.com

0 20 April 2017

There is a little known and often overlooked issue that continues to grow within the trucking industry.

“Truckers are responsible not only for liability, but also for any physical damage to trailers of others while in their possession.”

The Risk
It is common practice for truckers to use trailers belonging to others in the normal course of their business. All ISO Coverage Forms (Business Auto, Truckers, Motor Carrier) extend Liability Coverage for non-owned trailers while attached to a covered auto.

Truckers however are often responsible not only for liability, but also for any physical damage that occurs to trailers of others while in their possession. Physical Damage Coverage for non-owned trailers is excluded by standard ISO coverage forms, which exclude liability for property of others while in the insured’s care, custody, or control. This coverage must be added, and is occasionally referred to as “bailee coverage” – a bailee being “any individual or entity which holds property of another”, the property in this case being a trailer.

Solutions for Providing Physical Damage for Non-Owned Trailers 1) Non-Owned Trailer Physical Damage

0 18 April 2017

Don’t get blown away this season with high wind/hail deductibles, buy them down!!

At a time when policyholders are facing higher premiums and a greater probability of hurricane or wind damage, you need as many tools as possible to assist your clients in having adequate coverage. This is where Interstate can deliver!

Our Wind Buy-Back coverage provides an option for policyholders to lower their wind deductible under a separate policy in a very cost-effective manner.

Features of our New Program Include:

  • In-house binding authority means fast turnaround
  • Credits given for Distance to Coast, Construction, Age of building, Loss History, and Roof Updates and/or Replacements
  • Top binding States are NJ, DE, MD, VA, NC, SC, GA
  • Competitive rating offered by Lloyd’s of London, A.M. Best Rating A+

We provide solutions to your insureds’ needs. We can deliver for you.

0 22 March 2017

Many commercial auto insurers are abandoning the space as costs surge.

That is the verdict of Jack Buchan, president of Interstate Insurance Management, who believes that pricing is causing a myriad of problems.

“Some carriers are exiting the market – I don’t want to name names but there are several who’ve gotten out. It’s supply and demand, if there’s less capacity out there you get an increase in pricing,” he stated.

“The pricing is still not where it needs to be. We’re seeing a 5%-6% increase in claims costs about every year and we haven’t seen rates keep up with that,” he continued.

“There’s a lot of naïve capital out there that will fib pricing in this business.

“They (brokers) really want to have all the coverages right – liability coverages, truck cargo coverages, general liability coverages, workers’ compensation coverages. But if they want to get the right coverage they need to go to a professional underwriting facility that specializes in transportation.”

While there are a host of risks in the commercial auto business, that can also create an opportunity according to one such specialist, Ryan Turner Specialty. Its senior vice president of transportation and workers’ compensation Lynn Cogger Koop spoke to Insurance Business about putting together a trucking program.

Posted in Auto, Blog | Tags:
0 12 December 2016

Our carriers keep expanding our authority to meet our agent’s needs and grow our business together!
Recent Authority Extensions:
– National Indemnity now available in Virginia, Maryland and Delaware
– Canal has given us authority to write wherever we are licensed

Here is a summary of our markets and available states:
Northland – DE, IN, MD, MI, NJ, OH, PA, VA, WV
Zurich – DC, DE, MD, NC, NJ, PA, VA, WV
National Casualty – MD, PA, WV
Canal – DC, DE, IN, KY, MD, MI, NC, OH, PA, SC, VA, WV
National Indemnity – DE, MD, PA, VA (any size account)
fleet only – IN, KY, MI, NC, NJ, OH, SC, WV
Aspen – DE, MD, NC, OH, PA, VA, WV
Lloyds of London – DE, IN, MD, MI, NC, NJ, OH, PA, SC, VA, WV
ARI – NJ, PA, MD
American Mining – DE, MD, NC, PA, VA
Rockwood – MD, PA

One call accesses ALL! Don’t waste your time with multiple brokers.
We look forward to hearing from you soon!
Email all submissions to:
submissions@interstate-insurance.com

Adrienne Secriskey | Underwriter-Auto
T: 800.452.0297 | F: 814.255.6010
adrienne@interstate-insurance.com

0 19 October 2016

NEW PRIMARY FLOOD INSURANCE PROGRAM
Available limits:
$500,000 per occurrence building coverage.
$500,000 per occurrence contents coverage.
$500,000 per occurrence business income/rental value (incl. extra expense).

Eligible properties:
Residential, commercial, and condominium buildings.

Coverage available:
1) Buildings and contents coverage mirrors the NFIP form and is lender compliant.
2) Business income/rental value (incl. extra expense) extension is available when required.

Minimum Deductibles:
$2,000 per occurrence primary building coverage.
$2,000 per occurrence primary contents coverage.
Lloyd’s and company market capacity available.

NEW EXCESS FLOOD INSURANCE PROGRAM

Available limits:
$50,000,000 per occurrence, per risk.

Eligible properties:
Residential, commercial, and condominium buildings.

Coverage available:
1) Excess coverage follows the underlying NFIP form in respect of property coverage, but can be tailored where the NFIP is not in place.
2) Business income/rental value (

0 11 October 2016

Your Long Haul trucker needs a commercial auto policy that provides the right coverage and radius that give the security they expect for a successful operation.

Why should a trucker worry about radius restrictions and improper coverages when we can place them with one of our many Long Haul markets? We even have Long Haul options for new ventures.

Great pricing! Great coverage! Great reputation!

Get it all at Interstate. See what we can do for your trucker clients.

We’ve been helping truckers since 1970.

Email all submissions to: submissions@interstate-insurance.com
Kristine Hutzell | Underwriter-Auto
T: 800.452.0297 | F: 814.255.6010
kristine@interstate-insurance.com