Bellingham Underwriters is a long established underwriting management firm specializing in Commercial Trucking, Ambulance, and Logging insurance. Originally a branch office of a larger MGA, the doors first opened in 1997 under the direction of Ken Robinette with a total of four employees. The company has gown and changed over the years, joining Arrowhead General Insurance Agency Inc. in 2015. With Michael Powell as our profit center leader, the team now totals 25, including three of the four original members.
This program’s target is directed toward for-profit emergency and non-emergency medical ambulance companies * operating Type I, Type II, Type II, with some flexibility towards Ambulettes or passenger/wheelchair vans used for paratransit if less than 20% of total operations. Our unique product creates a stable, long term market that is more sensitive to real variance in risk which in enable us to offer competitive pricing. We have the ability to offer a full package in a single product.
*Accounts operating exclusively as non-emergency paratransit/wheelchair vans are not eligible.
STATES
All except AK, FL, HI, KY, MA, MI, NJ, NY and VA
TARGET MARKETS
First response/paramedics operating as independent contractors and not affiliated with a fire department, hospital or municipal entity
For profit ambulance companies
Service vehicles associated with commercial operations
Private passenger type vehicles owned by a Corp, LLC or partnership and used for business purpose
Ambulettes or passenger vans used for paratransit if less than 20% of total operations
Class I, II and III ambulances
COVERAGE HIGHLIGHTS
Commercial Automobile
Auto Liability: $1 million CSL
UM/UIM: State specific limits
Med Pay: $10,000
PIP: Statutory
Physical Damage: $175,000/vehicle and $5 million total fleet value
General Liability
$1 million per occurrence/$3 million annual aggregate
Fire Legal: $500,000
Med Pay: $10,000
Incidental exposure to schools/classrooms including First Aid classes
Medical directors when written as part of a service company
Incidental lessors risk properties
Incidental auto repair services for others
GKLL: $1 million max per location
EPLI coverage available
Abuse/molestation coverage
Inland Marine
Miscellaneous medical service equipment including defibrillators, radios, EKG’s, respirators, monitors, gurneys and stretchers
Support equipment including ATV’s, bariatric lifts, portable boats and powered cots
Tools used for vehicle and equipment maintenance
Medical Malpractice
Limits up to $1 million per occurrence/$3 million annual aggregate
Property
Building, Business Personal Property and Business Income coverages
Building over 20 years old need current updates to wiring, HVAC, plumbing and roof
Cyber Liability and Data Breach Response
Information Security & Privacy Liability - aggregate limits up to $1MM
Privacy Breach Response Services - limits up to $500K
Excess
Follow Form Excess
Options up to $5 million occurence/annual aggregate over Auto, General Liability, Professional Liability and Employers Liability (No coverage over Abusive Acts Liability)
Currently valued loss runs for the prior four years valued within the last 60 days of submission
Current vehicle list with year, make, model, VIN, value, passenger capacity and usage
Drivers list to include date of hire and certification and/or safety programs completed (where applicable)
While MVR’s are desired at time of quotation, they are not required. However, current dated MRVs will be needed prior to binding; ultimate pricing is dependent on review of actual MVRs
No longer charging for most midterm driver additions
**Drivers falling outside of acceptable driver guidelines may still be subject to additional premium charges and/or be subject to restrictions up to and including exclusion
If your client has risks in the transportation of goods, Bellingham Underwriters (BU), can help. Our Transportation program has the capability to write a broad range of risks from owner operators to large fleets, and from extra-heavy truck tractors to light vans, box trucks and pickups.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 - including but not limited to fruit, produce, vegetable, grain, feed, seed, refrigerated, fertilizer haulers, hay, livestock
Auto haulers - focusing on dealership to auction
Container haulers/Intermodal - drayage container haulers in the Ports of Los Angeles/Long Beach and Portland (excluding Oakland or Seattle Ports)
Dirt, rock, sand and gravel - DRS&G of all kinds (including dirty dirt & frac sand) (written selectively in urban areas)
Dry Bulk Goods - dry cement, lime, ash, etc.
Dry van - focusing on 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 - 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 class (partial agriculture and sand and gravel or flatbed and produce etc.)
Recyclables and refuse haulers - Commercial recycling and refuse haulers, Scrap metal including metal debris removal.
Refrigerated haulers - Reefer haulers focusing on 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 service
Vineyard - Truckers associated with grape, production, hauling, bottling, 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) *Trailer interchange available
Motor Truck Cargo
$250,000 any one accident or loss
$150,000 any one item
Contractors Equipment
$500,000 any one accident or loss
$200,000 any one item
Property
$500,000 TIV any one location for Building and Personal Property combined
Truckers GL
Limits up to $1,000,000 each occurrence/$2,000,000 annual aggregate for BI and PD
Excess option $1,000,000 each occurence/$1,000,000 annual aggregate over above limit\Limits up to $100,000 Fire Legal Liability
Limits up to $100,000 Fire Legal Liability
Limits up to $25,000 Medical Payments
Program Highlights
Multiple direct bill payment options available
Complimentary loss control services for fleet accounts
Automatic Additional Insured and Loss Payee form on all policies
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 – including but not limited to fruit, produce, vegetable, grain, feed, seed, refrigerated, fertilizer haulers, hay, livestock
Autos - Used autos on fixed contracts
Container - drayage container haulers in the Ports of Los Angeles/Long Beach and Portland (excluding Oakland or Seattle Ports)
Dirt, rock, sand, gravel - DRSG of all kinds (including dirty dirt & frac sand) (written selectively in urban areas)
Dry van general commodity carriers - focusing on regional hauls with fixed regular routes
Flatbed - building materials, steel, rebar, lumber, heavy equipment
LTL haulers - Less than Truckload risks
Mixed use classes - All mixed operation class (partial agriculture and sand and gravel or flatbed and produce etc.)
Oversized/Overweight - OS/OW haulers with specialty configurations and equipment
Bellingham Underwriters has extensive knowledge of the logging industry and has been providing package policies for forest product businesses for more than 25 years. Our ability to understand the industry and those working within it gives us a better opportunity to offer the coverages your Insured requires. Whether a single feller with a chainsaw or a much larger operation, we are here to help.
We have broadened our ability to provide creative solutions with the addition of our Lloyd’s Timber Program. Just like our Lloyd’s Physical Damage and Cargo Program, our Lloyd’s Forest Program 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 from us.
This program targets the insurance needs of your local independent commercial vehicle repair facility. We can write local shops that focus primarily on commercial vehicles of the medium class and above including trailers, farm equipment, and contractors’ equipment. Our approach incorporates standard policy forms, flexible underwriting, quick turnaround time and the exemplary customer service that you have come to expect from us.
Specialist in:
BODY WORK/PAINTING (AUTO PAINTING IS ACCEPTABLE W/ A SEPARATE PAINT BOOTH THAT IS VENTILATED AND SELF-CONTAINED)
ENGINE WORK
HYDRAULIC WORK
OIL/LUBE/TUNE UP
BRAKE REPAIR
ALIGNMENT/STEERING/FRONT END SUSPENSION
WINDSHIELD REPLACEMENT/REPAIR
States: AK, AR, AZ, CA, CO, ID, IL, IN, IA, KS, MO, MT, ND, NE, NV, NM, OK, OR, SD, UT, WA, WI, WY
Coverages:
General Liability
$1MM Occurrence/$2MM aggregate
$1MM follow-form excess available
Auto Liability
$1MM AL
$1mm follow-form excess available
Auto Physical Damage
$250,000 per unit or combination – tractor + trailer (s)
Garage Keepers Legal Liability
250,000 any one item
$500,000 any one loss
Cannot be written as standalone coverage
Towing/On Hook
$250,000 per item/conveyance
Property
$500,000 TIV any one location for Building and BPP combined
Continuously monitored central station alarm connected to a proprietary security firm is required unless the BPP limit is <50,000
