Garage Risks

0 6 March 2018

We write a wide range of garage risks – both dealers and service/repair operations including: Dealers:

  • Antique/Classic Auto Dealers
  • Auctions
  • Boat Dealers
  • Car Dealers
  • Car Dealer with Salvage Operations
  • Commercial Trailer Dealers
  • Construction Equipment Sales
  • Farm Equipment Sales
  • Motorcycle Dealers
  • RV / Motor Home / Camper Dealers
  • Truck/Tractor Dealers
  • Wholesalers
  • ATV Sales
  • Snowmobile Sales
  • Golf Cart Sales
  • Dirt Bike Sales
  • Moped/Scooter Sales
  • Emergency Vehicle Sales


  • Antique/Classic Auto Restoration
  • Boat Service & Repair
  • Car Service & Repair
  • Constriction Equipment Service & Repair
  • Farm Equipment Service & Repair
  • Motorcycle Service & Repair
  • RV/Motor Home/Camper Service & Repair
  • Truck/Tractor Service & Repair
  • ATV Service & Repair, Snowmobile Service & Repair
  • Golf Cart Service & Repair
  • Dirt Bike Service & Repair

  Don’t be left out in th

0 23 January 2018

Fuel Delivery Trucks

With frigid temperatures upon us, think about Interstate Insurance Management for your Fuel Oil delivery truck risks. We can help! Fuel Hauler classes we can write:

  • Gasoline/Diesel
  • Fuel oil
  • Kerosene
  • Crude Oil
  • LPG

Lines of business we can write:

  • Commercial Auto Liability
    • Up to $5 Million CSL
    • Pollution Liability Buyback up to $1 millon
  • Physical Damage
  • General Liability
  • Cargo
    • Available for all petroleum types
    • Available stand only or with Commercial Auto

Don’t be left out in the cold!  Contact us today for more information or send your submissions to Marcia McDermott Senior Underwriter – Auto T: 800.452.0297 ext 0297 | D: 814.410.0297

0 8 December 2017

As we are in the midst of the holiday season, let Interstate be your go to for those holiday related special event risks like holiday weddings/receptions, galas, office parties and Santa sleigh visits! Other eligible events:

  • Amateur Sporting Events
  • Bazaars, Craft Shows, Fairs and Home Shows
  • Boat Shows
  • Golf Tournaments
  • Run/Walk-a-thons
  • Youth Sports Leagues
  • Auctions
  • Animal shows
  • ….And so much more!!

Features & Highlights:

  • Minimum premium as low as $200
  • Short term policies
  • No maximim # of attendees

Coverages offered:

  • General liability
  • Liquor liability
  • Property
  • Inland Marine
  • Commercial Excess

Optional Enhancements:

  • Privacy Breach coverage with limit options: $25,000/$25,000, $100,000/$100,000 & $300,000/$300,000
  • Commercial property extensions
  • Additional insureds – State or Political Subdivisions

Don’t wait! Contact us today for a quote! Coverage will be placed with an A.M. Best A+XV Rated Excess and Surplus Lines Carrier. Lindsay Dorian Underwriter – P&C T: 800.759.7779 ext 5930 | D: 443-391-5930 , , , , , ,

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


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


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

Will consider the following class-related exposures:

  • Convention Centers
  • Pool or Beaches
  • Restaurants
  • Campgrounds


  • 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

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.

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