NJ Homeowners Program

Personal property coverage available to New Jersey homeowners statewide.

Program highlights

• Coverage A limits up to $1.5M for new business, up to $2M for renewals
• One- & two-family owner-occupied dwellings
• Specified additional amount of coverage A - 25% or 50%
•  Increased Ordinance or Law Options – 25% or 50%
• Package endorsements available
• Program Credits – Protective devices, new purchase, 5-year claim-free, renovation, mature homeowner and renewal
• Statewide program
• 1% or 2% hurricane deductibles based on proximity to the coast

Target market

•  Standard to preferred homes
• Older well-maintained dwellings with updates
• Pride of ownership must be evident
• Dwellings more than 0.6 miles from the coast
• Coverage A limits between $300,000-$1,500,000 for new business, up to $2,000,000 Coverage A for renewals

For more information and submission requirements

Please contact:

Lauri Thum
Marketing Vice President – Property
LThum@ArrowheadGrp.com
760-710-6827

Contact

URL: https://www.arrowheadgrp.com/products/personal-property/

Railroad Insurance Program

SUMMARY

Introduced in 1997, this program provides comprehensive coverage for contractors, manufacturers, and wholesalers in railroad service and support industries. Click to learn more.

STATE AVAILABILITY

Available in 47 states (excludes AK, HI, LA)

COVERAGE AVAILABLE

• General Liability (required), Commercial Auto, Property, Inland Marine, Umbrella, Railroad Protective Liability

PROGRAM HIGHLIGHTS

• Admitted Market, A+ XV
• Automatic protection for work within 50 feet of the track
• Commercial Auto coverage – including coverage for Hi Rail units
• Per-project aggregate available
• Excellent loss control and claims services
• Flexible Direct Bill payment options

TARGET CLASSES OF BUSINESS

• Track construction, maintenance & repair
• Tie removal and disposal
• Spur line upgrades
• Freight forwarding loading/unloading
• Railcar cleaning, maintenance & repair
• Railcar and part manufacturing
• Distributors of railroad related parts, supplies, & equipment.

COMPANY CONTACT

Website: www.ArrowheadGrp.com/products/railroad
Toll-free phone: 800.289.4319

SUBMISSIONS

ACORD Applications, Supplemental Application (available on website), and currently valued loss runs to Railroad@Arrowheadgrp.com.

Contact

URL: http://www.arrowheadgrp.com/products/railroad/

Arrowhead's Tribal Program

Arrowhead’s Tribal Program was created in 1987 as the Program for Sovereign Indian Nations, with the assistance of Native American attorneys and tribal administrators.

• We work with a select group of agents and brokers nationwide who specialize in placing tribal coverage
• We only work with top rated insurance companies with “A” ratings or higher
• We provide meaningful risk management to help mitigate your tribe’s risks
• Arrowhead’s in-house claims team understands tribal law, tribal courts systems, FTCA protection and tribal sovereignty claim issues

Click to learn more.

Services

We understand the exposures and special circumstances associated with tribal governments, gaming operations and tribal enterprises. Our objective is to help you reduce your losses through technical knowledge, experience and personal service.

• Training and education
• Security and public safety
• Employment practices
• Fleet and driver management
• OSHA and other compliance issues
• Risk management program development
• Maintenance programs
• Life safety code requirements
• Building valuations

Coverages

• Comprehensive Property Coverage
• General, liquor and professional liability (Police Professional, Health Care Professional, Tribal Officials E&O, Employment Practices Liability, Cyber Liability and Fiduciary Liability)
• Tribal workers’ benefits (including Guaranteed Cost and Loss-Sensitive options)
• Auto physical damage and liability (specifically tailored to address unique tribal nation automobile exposures)
• Excess Liability (offering limits for all primary policy coverage extensions including Sexual Misconduct, Errors & Omissions and Employment Practices Liability)
• Unmanned Aircraft Liability and Property Damage
• Traumatic Event Expense Coverage
• All Lines Aggregate / Self-Insured Retention
• Active Shooter / Deadly Weapons Protection

States

All states

Learn more at http://arrowheadtribal.com/

Contact

URL: http://arrowheadtribal.com/

Manufactured Housing Community and RV Park Program

Arrowhead offers Property & Liability for manufactured home communities, dealers and RV parks, with enhanced coverage for the industry's unique exposures. Turn to us for multi-state coverage, property CAT exposure availability, competitive rates, admitted paper.

Click to learn more.

Program Highlights

• GL extensions giving aggregate limits per location and automatic additional insured wording

• Umbrella coverage available

• Debris removal included; refer to endorsement for specific limits

• Dealer physical damage coverage on homes for sale

• Coverage available for manufactured home dealers with used home sales

Contact

URL: http://www.arrowheadgrp.com/products/manufactured-housing/

Forestry & Logging

Inland Marine, General Liability and Commercial Auto coverage for your logging and wood products clients

Inland Marine Program Highlights

• Admitted
• High in-house underwriting authority
• Earthquake & Flood included.
• Valuation: actual cash value
• 80% co-insurance
• Minimum premium $500
• Broad underwriting appetite
• 30-day coverage for newly purchased equipment

General Liability Program Highlights

• Admitted
• In-house underwriting authority
• Limits: $1,000,000 per Occurrence 2,000,000 Aggregate
• Forest Fire Suppression Expense
• Property Damage to Timberland not owned by you.
• Property Damage to Autos and Railroad Cars not owned by you.
• Timber Trespass

Commercial Auto Program Highlights

• Coverage for select logging contractors.
• Limited appointments
• Admitted
• In-house underwriting authority
• Limits $1 MM


For additional information and submission requirements
Please contact:
Maddy Feld
Sr. Program Manager
913.312.2880
MFeld@ArrowheadGrp.com

Contact

URL: http://www.arrowheadgrp.com/products/forestry/

Arrowhead All Risk – E&S Commercial Property

Comprehensive commercial property solutions with broad and flexible coverage options.

Program Overview
Arrowhead’s All Risk Program offers tailored insurance solutions for a wide range of commercial properties. With limits up to $200 million and flexible coverage terms, we provide a streamlined process from application to policy issuance. Our program supports primary and excess placements, including shared and layered programs, with specialized solutions for flood, earthquake and boiler & machinery coverage. 

Coverage highlights
•    Limits up to $200 million
•    Primary and excess placement, including shared and layered programs
•    National and regional schedules, including coastal properties
•    Sub-limits available for flood, earthquake and boiler & machinery
•    Minimum premium: $50,000

Target market
•    Office buildings
•    Medical facilities, including nursing homes and assisted living 
•    Condominiums (greater than 70% owner-occupied)
•    Retail
•    Schools
•    Hotels/motels
•    Churches and other membership organizations
•    Restaurants
•    Lessor risk schedules
•    Banks
•    Municipalities
•    Light manufacturing
•    Apartments (garden-style excess only & primary/excess on MNC or better construction)

Excluded classes
•    Heavy manufacturing
•    Oils & fuels
•    Railroads
•    Mining 
•    Food processing
•    Wood products
•    Transmission & distribution
•    Recycling
•    Distributors
•    Vacant buildings

Contact

URL: https://www.arrowheadgrp.com/products/special-risk/all-risk

Worker's Compensation

Program Focus

• Instant Quotes available on eligible accounts below $20,000
• Upload your client's Acord 130 to avoid duplicate data entry and transfer the application directly into our quoting platform, www.ArrowheadExchange.com. By pre-populating your online submission in just three easy steps, the quoting process becomes more efficient with fewer mistakes.

We offer the country's top-rated insurance carriers, competitive rates, underwriting expertise, and above industry standard commissions.

Click to learn more.

Targeted Classes of Business

• Agriculture*
• Automotive Service & Repair
• Construction/Contractors
• Habitation
• Hospitality
• Manufacturing
• Mercantile
• Office & Professional Services
• Restaurants
• Transportaion/Delivery
• Trucking up to 500 miles

*California accounts up to $20K require a separate appointment with industry specific premium commitment

Claims: A Value-Add Service

You and your policyholders will benefit from superior claims handling through American Claims Management Inc. (ACM). As a carrier-minded claims administrator, ACM works hard to ensure claims are closed out quickly. ACM's dedicated team offers a fully integrated line of claims and cost-containment services for your clients including:

• 24/7 online, real time claims reporting, loss runs and plan of actions
• Online medical provider portal
• Claim service agreements and dedicated adjusters
• Bilingual staff
• Advanced reporting services
• Lowered client costs with integrated technology
• Aggressive fraud fighting
• Cost control with proven results
• Virtual/electronic payments
• Claims advocacy
• Lower caseloads means more personalized care

Not an Arrowhead producer? Apply online at

Producer Questionnaire - Arrowhead General Insurance Agency, Inc. (arrowheadgrp.com)

Contact

URL: http://www.arrowheadgrp.com/products/workers-compensation/

Commercial Transportation - Bellingham

If your client has risks in the transportation of goods, Bellingham Underwriters, Arrowhead’s commercial transportation experts, can help.We write motor carriers hauling a product for-hire as well as private motor carriers hauling their own goods. Our appetite is broad because our knowledge and experience are extensive.

States: Alaska, Arkansas, Arizona, California, Colorado, Idaho, Illinois, Indiana, Iowa, Kansas, Missouri, Montana, Nebraska, New Mexico, Nevada, North Dakota, Oklahoma, Oregon, South Dakota, Utah, Washington, Wisconsin, Wyoming.

Example Commodities (but not limited to)

• Autos
• Building Materials
• Containers/Intermodal
• Flatbed
• Grain & Produce
• Hazardous Materials
• Livestock
• Logs
• Mail
• Mixed commodities
• Recycled goods/refuse/scrap
• Refrigerated and dry van goods
• Sand & gravel
• Water in bulk
• Wood chips

Target Markets (eligible but not limited to)

• Agricultural classes - Fruit, produce, vegetable, grain, feed, seed, hay, refrigerated, fertilizer haulers
• Auto haulers - Both new and used vehicles
• Container haulers/Intermodal - Drayage container haulers in the Ports of Los Angeles/Long Beach and Portland (not Oakland or Seattle)
• Dirt, rock, sand and gravel - DRSG of all kinds (including “dirty dirt”) in most territories but not in certain urban areas, including urban Los Angeles, San Francisco or Denver)
• Dry Bulk Goods - dry cement, lime, ash, etc.
• Dry van - Regional hauls with fixed regular routes
• Equipment Haulers - including oversized/overweight haulers with specialty configuration and equipment
• Flatbed - Building materials, steel, rebar, lumber, heavy equipment
• Hazmat - carriers of petroleum or other classified hazardous materials (will not write pollution coverage on petroleum haulers)
• Log haulers - For-hire and private log haulers, either finished lumber or raw logs
• LTL haulers – “Less Than Truckload” risks
• Mixed use classes - All mixed operation classes (for example, partial agricultural and sand and gravel or partial flatbed and produce, etc.)
• Recyclables and refuse haulers - Residential recyclers and refuse haulers
• Refrigerated haulers –Regional hauls with fixed, regular routes
• Tanker haulers - Dairy operations, milk processed or raw, water, syrups, molasses, liquid fertilizers (not petroleum and gasoline haulers)
• US Mail -Contract haulers for USPS
• Vineyard - Truckers associated with grape production, hauling, bottling and processing

Program Highlights

• Auto Liability

  - Limits up to $2,000,000 CSL

  - Including Non-Owned and Hired Auto Liability

• Physical Damage

  - Maximum value any one vehicle $200,000 / Train $250,000 (train being the sum of a tractor or trailers)

• Truckers GL

  - Limits up to $1,000,000 each occurrence/$2,000,000 annual aggregate for BI and PD

  - Limits up to $100,000 Fire Legal Liability

  - Limits up to $25,000 Medical Payments

• Motor Truck Cargo

  - Limits up to $150,000 any one item/$250,000 any one accident or loss

• Contractors Equipment

  - $200,000 any one item / $500,000 any one accident or loss

• Property

          - $500,000 TIV any one location for Building and Personal Property combined

Program Highlights

• Automatic Additional Insured and Loss Payee form on all policies
• Multiple direct bill payment options available
• Complimentary loss control services for fleet accounts

Not a Bellingham producer? Apply online at: https://www.bell-uw.com/Application

URL: https://www.bell-uw.com/

Lloyd's Auto Physical Damage and Cargo - Bellingham

Bellingham Underwriters has long been one of the most stable and reliable underwriting management firms in the country. We have broadened our ability to provide creative solutions with the addition of our Lloyd’s Auto Physical Damage and Motor Truck Cargo program. Our Lloyd’s Auto Physical Damage and Motor Truck Cargo accounts will be handled from start to finish by Bellingham Underwriters. Our approach incorporates standard policy forms, flexible underwriting, quick turnaround time and the exemplary customer service that you have come to expect.

States Covered

Arkansas, Arizona, California, Colorado, Idaho, Illinois, Montana, Nevada, Oregon, Texas, Utah and Washington
 

Coverage Highlights:

• Auto Physical Damage: Maximum value any one vehicle $300,000 / $500,000 any one combined unit
• Motor Truck Cargo: Limits up to $300,000 any one vehicle

Target Markets (not limited to)

• Agricultural products – fruit, vegetables, feed, fertilizer, etc.
• Autos
• Building materials
• Container
• Dirt, rock, sand, gravel (including dirty dirt and frac sand, written selectively in urban areas)
• Dry van general commodity carriers
• Equipment haulers - including oversized/overweight haulers with specialty configurations and equipmemt
• Flatbed (all types)
• LTL freight forwarding operations
• Mixed use classes - all mixed operation class (partial agriculture and sand and gravel or flatbed and produce etc)
• Recycled/Refuse/Scrap Haulers - commercial recycling and refuse haulers, scrap metal haulers including metal debris removal
• Refrigerated foods (regional hauls with fixed,regular routes)
• Tanker Haulers - tanker haulers including wine, dairy operations, milk processed or raw, water, syrup, molasses, liquid fertilizers, petroleum (will not write pollution on petroleum haulers)
• US Mail - contract haulers for USPS 
• Vineyard - truckers associated with grape production, hauling, bottlng, processing 
   

Program Highlights

• Claims administered by National Claims Management (current TPA for Bellingham Underwriters)
• Standard Forms - Motor Carrier Form for Auto Physical Damage and Bellingham Underwriters Motor Carrier Form for Motor Truck Cargo
• Mexican National drivers acceptable.

Not a Bellingham producer? Apply online at: https://www.bell-uw.com/Application

URL: https://www.bell-uw.com/

Towing

Arrowhead offers customized insurance solutions for towing businesses through our dynamic Towing Program. Designed for established operations with industry experience, this program provides comprehensive coverage primarily for those engaged in towing automobiles. Serving auto club contractors, auto body shops, mechanical repair facilities, roadside service providers, and rotational towing operations, Arrowhead’s program expertly navigates the unique challenges of the towing industry.

Join us to experience unparalleled protection and support, ensuring that businesses stay ahead in the fast-paced automotive landscape!
 

Target Market

• Established tow operations primarily engaged in the towing of automobiles
• Favorable 5-Year loss ratio
• Experienced drivers 23+ years old with clear driving records
• Certified drivers
• Towing radius of 200 miles or less
• Liability limits of $1million

Coverage Highlights

Property

• Building Replacement
• Contents (Stock and Equipment)
• Equipment Breakdown
• Business Interruption and Extra Expense
• Property Program Performance Product

 Crime

• Money and Securities
• Employee Dishonesty
• Forgery and Alteration

 General Liability

• Products & Completed Operations
• Personal & Advertising Injury
• Damage to Rented Premises
• Employee Benefits Liability
• Medical Expenses

 Automobile Liability

• Commercial Tow Trucks
• Garagekeepers Coverage
• On-Hook Coverage

 Inland Marine

• Mobile Equipment Floater
• Motor Truck Cargo Legal Liability

Contact

URL: https://www.arrowheadgrp.com/products/towing

Arrowhead Mile High Markets

Specialized Insurance Solutions for the Vehicle Rental Industry

Established in 1985, Mile High Markets provides insurance solutions to the car and truck rental industry. As exclusive program managers for Falls Lake National Insurance Company and Falls Lake Fire & Casualty Company, we offer stability and specialized coverage tailored to the unique needs of rental operators across the U.S.
 

Product highlights
•    Auto liability: Limits up to $5M, with additional limits available; requires a minimum fleet of 10 vehicles. 
•    General liability: Covers premises and operations, including on-site or off-site airport locations. 
•    Garage liability: Protection for dealerships and auction activities. 
•    Supplemental Liability Insurance: Offers renters additional protection up to $1M. 
•    Umbrella coverage: Available to provide higher limits for expanded protection needs. 
 

Target markets
•    Car and truck rental agencies

Contact

URL: https://www.arrowheadgrp.com/products/mile-high-markets/

Arrowhead Personal Property E&S

California Non-Admitted Homeowners Coverage

Since 1995, Arrowhead’s Personal Property program has offered residential property coverage with a focus on long-term agency and carrier relationships and underwriting discipline. Backed by an AM Best A+ XV rated carrier, this non-admitted homeowners program is available exclusively in California and provides flexible options for well-maintained properties. 
 

Coverage highlights

• Coverage A limits up to $1.5M for new business and up to $2.5M for renewals.
• One- to four-family owner-occupied dwellings
• Seasonal/secondary dwellings acceptable
• Consideration for prior losses
• Specified Additional Amount of Coverage A – 25% or 50%
• Dwellings built 1930 and newer
• Package endorsements available
• Program Credits – protective devices, renewal, tile roof, mature homeowner, renovated home, new purchase, guarded gate or limited community access
• Difference in conditions coverage available

Target markets 

• Standard to preferred residential properties located in California. 
• Older well-maintained dwelling with updates
• Pride of ownership must be evident
• Dwellings with low exposure to wildfire
• Coverage A limits between $300,000 - $1,500,000 for new business; up to $2,500,000 Coverage A for renewals

Ease of use

• Online quotes platform
• Real-time brush checks 
• Diligent Search and all required signatures completed with Docusign
• Real-time bind for eligible risks

Contact

URL: https://www.arrowheadgrp.com/products/personal-property-es

Arrowhead Small Business Commercial Earthquake

Arrowhead’s Small Business Commercial Earthquake program provides coverage for Earthquake, Flood and EQSL risks tailored to smaller commercial and habitational properties in California. With a streamlined quoting process and a focus on thoughtful risk evaluation, this program delivers flexible solutions backed by A+ XV rated carriers. 

Product highlights

• Coverage limits:

    • Up to $10M for commercial occupancies. 

    • Up to $20M for habitational occupancies (HOA, apartments, multi-unit condos). 

• Total insurable values (TIV)

    • $250K to $10M for commercial occupancies. 

    • $250K to $20M for habitational occupancies. 

    • TIV under $5M requires full limits purchase. 

    • TIV of $5M+ or more requires a minimum loss limit of $2.5M. 

• Deductibles:

    • Per unit deductible: 5%-25% (five options per quote). 

    • Minimum earthquake deductible: $50K. 

    • Minimum flood deductible: $50K. 

• Valuation = replacement cost; BI = actual sustained loss. 

• Additional coverages:

    • Business income (up to 40% of account TIV). 

    • Building ordinance, with full Coverage A; B and C sub limited to 10% of all building values. 

• Fees:

    • Policy fee: $300. 

    • Inspection fee: $300 (billed on all new business and every third year for renewals). 

• Minimum premium: $2,500. 

Target markets

• Commercial occupancies and smaller businesses in California. 

• Habitational properties, including HOAs, apartments and multi-unit condos (4-unit minimum), located in California. 

Program restrictions

• No single-family dwellings or HOAs with only common area values. 

• Property age restrictions:

        • New business: 
                         •     Wood frame: 1970 or newer.
                         •     Other construction classes: 1980 or newer.

        • Renewals: 

                        •      Wood frame: 1960 or newer.
                        •      Reinforced joisted masonry: 1965 or newer.
                        •      Concrete tilt-up: 1976 or newer. 
                        •      Reinforced concrete/steel frame/metal: 1970 or newer. 

        • Exclusions:

                        • Risks with tuck-under parking, poorer construction types or older construction will be declined. 
                         • Soft soil situations or high liquefaction risks will be declined. 

Contact

URL: https://www.arrowheadgrp.com/products/special-risk/small-business