Program Administrators - Bellingham Underwriters, a Division of Arrowhead General Insurance Agency, Inc.

Bellingham Underwriters, a Division of Arrowhead General Insurance Agency, Inc.

Programs & Coverages: Ambulance Insurance Program, Commercial Transportation Program, Lloyd's Auto Physical Damage and Cargo , Lloyd's Logging, Garage/Mobile Repair

Company Description

Programs & Coverages

Ambulance Insurance Program

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)

SUBMISSIONS

  • Ambulance Supplemental Application
  • 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
  • Inland marine schedules
  • View more details on the ambulance program
  • 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

Contact
Par Williams
360-671-0500
parthenia.williams@bell-uw.com

URL: https://bell-uw.com/programs/ambulance-insurance/

Commercial Transportation Program

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

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

Contact
360-671-0500
info@bell-uw.com

URL: https://bell-uw.com/programs/commercial-trucking/

Lloyd's Auto Physical Damage and Cargo

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
  • Pneumatic Haulers -  bulk dry goods, dry cement, lime, fly ash, etc
  • Refrigerated foods - Reefer haulers focusing on regional hauls with fixed regular routes
  • Scrap Metal Haulers - Scrap metal including metal debris removal
  • 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 US mail service and USPS service 
  • Vineyard - Truckers associated with grape, production, hauling, bottling, 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/Applicatio

Contact
360-671-0500
info@bell-uw.com

URL: https://bell-uw.com/programs/lloyds-physical-damage-cargo/

Lloyd's Logging

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.

States Covered: CA, ID, MT, OR, WA

SPECIALISTS IN

  • LOGGING/LUMBERING
  • FORESTRY SERVICE
  • FULL SERVICE LOGGING – MULTIPLE OPERATIONS
  • LOG ROAD BUILDING
  • YARDING AND LOADING OPERATIONS
  • AND MORE…

TARGET MARKETS

  • Brush Clearing
  • Fire Prevention
  • Firewood Collecting
  • Herbicide/Pesticide application
  • Logging and Lumbering
  • Reforestation Contractors
  • Road Building and Repair
  • Timber Cruising/Surveying
  • Timber Felling/Bucking
  • Timber Processing in Woods
  • Thinning and Fuel Reduction Operations
  • Ground Skidding
  • And more…

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

Contact
3606710500
info@bell-uw.com

URL: https://bell-uw.com/programs/lloyds-logging/

Garage/Mobile Repair

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

Inland Marine Equipment 

  • $150,000 any one item
  • $500,000 any one policy

 

 

 

Contact
3606710500
info@bell-uw.com

URL: https://bell-uw.com/programs/garage-mobile-repair/