Program Administrators - Breckenridge Insurance

Breckenridge Insurance

Programs & Coverages: Wind Deductible Buy Back Coverages, Commercial Property, Fire & Sprinkler Elite, Roofing Elite, Smoke & Vape Shop, Contractors Package, Outdoors, Real Estate Investor Insurance, Workers' Comp Program, Cyber Liability, Builder's Risk, Casualty, Commercial Earthquake, Construction / Contractors, Energy / Environmental, Healthcare , Hospitality / Retail, Investor Owned Real Estate, Professional Liability, Property , Public Entity , Vacant Property , Workers' Compensation

M222 Las Colinas Blvd. W. | Suite 1300 | Irving, TX 75039

P855.728.8822

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Company Description

Our team is extremely specialized, passionate and highly invested in each one of our partnerships with insurance agents, brokers and carriers. When you work with Breckenridge Insurance, you won’t get lost in a sea of 6,000 brokers or endless bureaucracy. Our expert brokerage, binding, programs support team members are reliable and responsive and aim to serve as the behind-the-scenes force to help grow your business. We support our clients throughout the entire process to ensure the right product is placed for each individual insured’s needs.

We appreciate that beyond the bind, the real-world experience of a claim will be the defining moment for all involved. We approach each submission and carrier partner with this in mind. The answer is not simply about rate, but our shared responsibility and genuine care for those who entrust us to provide smart, competitive solutions. This is what drives us to be forthright and professional in our dealings. Let us earn your trust today.

Visit www.breckis.com for more information.

Programs & Coverages

Wind Deductible Buy Back Coverages

Protect your properties with tailored options for Wind Deductible Buy Backs.

As commercial property risks are not one size fits all, the Blue River Underwriters team provides tailored options for Wind Deductible Buy Backs to lessen the insured’s expense exposures. Under this separate policy, the insured can reduce the deductible to a lower percentage or flat rate on a primary wind policy in effect. This attractive solution gives flexibility where needed, particularly in coastal areas and those likely to experience weather-related events.

Classes:

 

  • Flexibility
  • Competitive rates, no minimum premiums
  • Experienced underwriting team

Coverages:

  • Office
  • Retail
  • Multifamily

Features:

  • Windstorm & Hurricane exposures for property in coastal areas and inland/non-coastal areas within the USA

Submission Criteria:

  • ACORD and/or Excel spreadsheet with all COPE information  

Related programs:

Contact
Michael G. Marks
804.459.8083
mmarks@breckis.com

URL: https://www.breckis.com/program/wdbb-coverages/

Commercial Property

We cover property like no other.

The property team at Breckenridge Insurance has extensive experience in covering diverse properties including hard-to-place risks including earthquake. With our AM Best A XV Rated carrier partner, high limits and flexible deductibles, we deliver quick and reliable coverage. Our added capabilities and expertise in underwriting our Real Estate Investor program and Wind Deductible Buy Backs makes us a valued partner for all of your excess and surplus property needs.

Classes:

  • Churches
  • Assisted Living
  • Vacant Properties
  • Lessors Risk
  • Shopping Centers
  • Strip Malls
  • Medical Offices
  • Retail Operations
  • Restaurants
  • Light Industrial
  • Catering Operations
  • Distributors
  • Commercial Condo
  • Warehouse Operations

Coverages:

  • Covered Perils:
    • Special including Earthquake
  • Available Limits:
    • F/JM/NC – $15MM
    • MNC/MF/FR – $25MM
    • Non-Critical Flood Limits – $2.5MM
    • Non-Critical Earthquake Limits – $2.5MM
    • Minimum Flood & Quake Deductible is $25,000
    • Minimum AOP Deductible: $5,000
    • Minimum Premium: $10,000

Features:

 

  • AM Best A XV Rated carrier
  • Experienced Property Underwriting Team
  • No TIV Restrictions

Submission Criteria:

  • Completed Acord application and/or the Blue River SOV
  • The expiring and/or target premium
  • Loss runs

Related Programs:

 

Contact
Michael G. Marks
804.459.8083
mmarks@breckis.com

URL: https://www.breckis.com/program/commercial-property/

Fire & Sprinkler Elite

We are the only fire sprinkler program endorsed by the American Fire Sprinkler Association.

At Breckenridge Insurance, we understand what it takes to protect the interests of fire sprinkler and equipment contractors. With an AM Best A+ XV Rated Carrier and experienced risk engineering and claims specialists, we deliver quality solutions and responsive service that our clients require and deserve. We are committed to helping you succeed by protecting your insureds’ interests with unparalleled experience and integrity.

Read what Sprinkler Age has to say about our safety portal and click here to access the portal itself. To request temporary guest access to the portal to see what it offers, please contact one of the team members to the right.

Classes:

  • Fire Sprinkler Contractors
  • Fire Equipment Contractors

Coverages:

  • Commercial General Liability
  • Following Form Excess
  • Workers’ Compensation

Industry-Specific Coverage Available:

  • Contractors Blanket Additional Insured
  • Primary & Non-Contributory Wording
  • Blanket Waiver of Transfer of Rights
  • Per Project Aggregate
  • Errors & Omissions Liability
  • Employee Benefits Liability (EBL)
  • Employment Practices Liability (EPLI)
  • Cyber Liability

Features:

  • A+ XV Rated Carrier
  • Endorsed by the American Fire Sprinkler Association
  • Vast Industry Experience

Submission Criteria:

Related Programs:

Contact
Cricket Thomas
702.208.9247
cthomas@breckis.com

URL: https://www.breckis.com/program/fire-sprinkler-contractors-elite/

Roofing Elite

We have your roofing contractors' interests covered.

With a longstanding presence in the construction industry, the Breckenridge Insurance Roofing Contractors Elite Program has protected thousands of commercial and residential roofing contractors’ interests throughout the years. With flexible options, an AM Best A+ XV Rated Carrier and a knowledgeable team of underwriters, risk engineering and claims specialists, we deliver solutions that roofing contractors require and deserve.

Classes:

  • Residential & Commercial Roofing Contractors

Coverages:

  • Commercial General Liability
  • Cyber Liability
  • Employee Benefits Liability
  • Following Form Excess

Industry-Specific Coverage Available:

  • Contractors Blanket Additional Insureds
  • Primary & Non-Contributory Wording
  • Blanket Waiver of Transfer of Rights
  • Per Project Aggregate

Features:

 

  • AM Best A+ XV 
  • Vast Industry Experience

Submission Criteria:

  • Completed ACORD applications
  • Completed Supplemental
  • Loss Runs – 5 Years currently valued
  • 2 years job list or cert holder list
  • 5 Years premium, payroll & receipts

Related Programs:

Contact
Cricket Thomas
702.208.9247
cthomas@breckis.com

URL: https://www.breckis.com/program/roofing-elite/

Smoke & Vape Shop

Coverage designed by those in the smoke and vape shop business.

The team at Breckenridge Insurance understands the challenges of smoke and vape shop owners as our program was created by an innovator in this unique and emerging industry. With an AM Best A XV Rated Carrier, we deliver a program solution that supports industry growth while protecting the interest of those pioneering this space.

Classes:

 

  • Smoke & vapor shops
  • Ancillary shops that sell cigars, cigarettes, vaporizers and related merchandise including take home gifts and blown glass accessories
  • Stores up to 5,000 square feet
  • Gross receipts up to $2.5MM per store

Coverages:

  • Included: General Liability, Property, Business Personal Property, Loss of Income
  • Property coverage up to $2MM with deductible options from $500 to $25,000
  • General Liability coverage up to $1MM per occurrence and $2MM aggregate
  • Available: Theft up to $75,000, Sign, Glass and Electronic Data Processing Hardware
  • Workers’ Comp coverage available in certain states

Features:

  • Simple transition process if currently insured
  • Receive a quote within one business day
  • Responsible and reliable claims handling

Submission Criteria:

  • Completed application
  • Loss runs 2 years
  • For added coverage options, additional forms may apply

Related Programs:

Contact
Jeff Vick
312.521.8971
jvick@breckis.com

URL: https://www.breckis.com/program/smoke-vape-shops/

Contractors Package

Serving Contractors.

The established Contractors Elite Program delivers a proven package solution to cover more than 34 ISO class codes. With our AM Best A+ rated Carrier and industry risk knowledge, we can provide a solution to fit a variety of contractor needs. We look forward to helping you build your book of contractor clients.

Classes:

 

        Program Appetite:

        ISO class codes associated with the following commercial contractor types:

  • Concrete Contractors
  • Electrical Contractors
  • Fence Erection Contractors
  • Flooring Contractors
  • General Contractors
  • Glaziers
  • HVAC Contractors
  • Landscape Contractors
  • Masonry Contractors
  • Mechanical Contractors
  • Painting Contractors
  • Plumbing Contractors
  • Solar Energy Contractors
  • Swimming Pool Contractors

Coverages:

  • Property
  • Inland Marine
  • Crime
  • General Liability
  • Auto
  • Workers’ Comp
  • Excess

Industry-Specific Coverage Available:

  • Blanket Additional Insured
  • Blanket Waiver of Transfer of Rights
  • Per Project Aggregate

Features:

  • Apartment work considered commercial
  • Residential service work considered
  • No minimum earned premiums

Submission Criteria:

  • Complete ACORD application signed by Agent and insured for all lines of coverage to be considered.
  • Breckenridge Insurance Contractors Elite or GreenScape questionnaire completed and signed by the insured
  • Five years hard copy loss runs for all lines of business requested. Loss runs should be valued within 90 days of the upcoming effective date. Provide brief description of all losses when not adequately provided on loss runs from prior carriers.
  • Current work on hand schedule including the description of the job and the work to be provided by our insured and their subcontractors.
  • Complete financial statement for the most recent year including any notes.
  • A copy of the subcontract agreement currently being used by the insured. It is required that all agreements show like limits, hold harmless agreement in favor of the insured and Additional Insured wording.
  • Complete list of employees and all family members that have access to insured’s vehicles including driver’s license number, state of license and date of birth. Current MVR will need to be provided for all drivers.
  • Contact name and phone number for loss control inspection purposes.

Related Programs:

Contact
Cricket Thomas
702.208.9247
cthomas@breckis.com

URL: https://www.breckis.com/program/contractors-elite-package/

Outdoors

Serving Outdoor Industries.

At Breckenridge Insurance, our dedicated team of experienced outdoors enthusiasts and insurance professionals work hard so others may play hard doing what they enjoy. We deliver an AM Best A Rated Carrier and a longstanding program that offers comprehensive solutions to insureds who are in the hunt/lease, rod/gun, guide/outfitter, resort/lodge, retail firearms and shooting range industries.

Classes:

  • Hunt/Lease – clubs, leased hunting land
  • Rod/Gun – clubs, indoor/outdoor rifle & pistol ranges, trap & skeet ranges
  • Campgrounds / RV Parks
  • Guides/Outfitters – hunting (including hog), fishing (including ice fishing), kayak & canoe, hiking/backpacking
  • Resorts/Lodges – hunting & fishing, destination
  • Gun Stores
  • Shooting Ranges
  • Skeet/Trap Shooting, Archery Range, Rifle/Pistol Ranges

Coverages:

  • Product: 
    • Property, general liability, inland marine, directors & officers, commercial auto, crime, cyber liability, umbrella coverages and workers’ compensation.
  • Property:
    • Replacement cost & ACV valuation
    • Property enhancement endorsement available
    • Building coverage, business personal property coverage, equipment breakdown coverage, docks, ordinance of law coverage, business income, extra expense, spoilage and more are offered as coverage enhancements
    • A minimum of 80% coinsurance required.
    • Protection Classes 1-10
  • Inland Marine:
    • Owned, leased, or rented mobile equipment used in the Insured’s operation.
    • I.E. Boats, ATV’s, Tools & Equipment
  • General Liability:
    • $1MM Per Occurrence
    • $3MM Aggregate
    • Umbrella: Up to $5MM
  • Commercial Auto:
    • Private passenger autos such as: cars, SUV’s, pick-up trucks, vans with 7 passengers or less
    • Personal, commercial, retail & service use
    • All vehicles must be licensed for road/street use
    • 100 miles or less radius
    • 20,000 lbs or less gross vehicle weight
    • Hired & non-owned coverage can be included
    • Symbols 7, 8 & 9 will be written
    • Maximum combined single limit of $1MM
    • Umbrella: Up to $5MM
  • Crime
  • Cyber Liability
    • Up to $10MM
  • Workers Compensation
  • Certified Firearms Instructor Professional Liability
  • Bureau of Alcohol, Tobacco, Firearms, and Explosives Defense Costs

Features:

 

  • AM Best A+ Rated Carrier
  • Vast Industry Experience

Submission Criteria:

 

Contact
Stephanie Verseman
720.495.9015
sverseman@breckis.com

URL: https://www.breckis.com/program/outdoors/

Real Estate Investor Insurance

We understand what it takes to protect your property investments

If looking for a competitive edge and simplified approach to insuring investor property portfolios, this package program offers valued protection and flexibility in a streamlined manner.  Our real estate investor insurance is ideal for one- to four-unit family dwellings.  The program team at Breckenridge Insurance is experienced in diverse property coverages to tailor the best approach to your dynamic portfolios and risk characteristics.

Features of the program include:

  • One policy for both property and general liability
  • One surplus lines tax filing
  • Monthly reporting available
  • Responsive claims handling

Classes:

  • Investment Properties of one- to four-unit family dwellings. Other operations should be incidental to each account.
  • Ineligible Risks:
    • Any property on barrier islands, with or without wind
    • Wood shake/shingle & T-lock roofs
    • Airbnb
    • Risks that have passenger transportation services
    • No section 8, HUD, Subsidized or Student Housing
  • Territory:
    • Territory is the 48 contiguous United States

Coverages:

 

  • Property and General Liability
  • Monoline Property
  • Wind/Hail
  • Flood
  • Earthquake

Limits:

 

  • Property – $10MM per location – Higher limits available
  • General liability limits – $1MM/$2MM – Higher limits available
  • Minimum premium: $2,500
  • Minimum deductible: Varies
  • Non-admitted

Submission Criteria:

 

  • Forms for a submission are available upon request for contact from the Program Administrator
  • Additional information required regarding private protection, sprinklers, and alarms at the locations
  • Preferred Statement of Values

Related Programs:

 

Contact
Michael G. Marks
804.459.8083
mmarks@breckis.com

URL: https://www.breckis.com/program/real-estate-investors/

Workers' Comp Program

We know how to build-to-suit construction workers’ compensation solutions.

Construction workers are the foundation of our economy. Having workers’ compensation coverage suited to their unique skills and risk exposures is paramount. With our AM Best A Rated carrier and preferred paper, our experienced construction and comp underwriting team provide competitive monoline workers’ comp solutions for nearly 80 construction infrastructure, artisan contractor and related commercial services classes. With additional access to carrier loss control resources and an in-house claims department familiar with contractors, Breckenridge Insurance’s Contractors Workers’ Comp is a well-built solution for these insureds’ needs.

Classes:

  • Nearly 80 eligible contractor class codes in infrastructure, artisans and related commercial services.
    Click here for full list of construction classes eligible for this WC coverage.
  • Target industries include: Street & Road Construction, Grading & Excavation, Sewer & Water Main, HVAC, Plumbing, Electrical, Landscaping, Janitorial Services.

Features:

  • Available in most states
  • AM Best A Rated
  • Preferred paper for all construction business
  • Loss control resources
  • In-house carrier claims processing
  • In-house underwriting and binding authority
  • Superior service and turnaround time
  • Competitive commissions
  • Various payments plans available
  • Monthly reporting

Submission Criteria:

 

  • Completed ACORD applications
  • Completed Supplemental
  • Current experience modification worksheet
  • Loss Runs – 5 Years currently valued
  • 5 Years payroll and premium history
  • Target premium

For large accounts, additional data may be requested

Related Programs:

 

Contact
Cricket Thomas
702.208.9247
cthomas@breckis.com

Cyber Liability

At Breckenridge Insurance, our expert brokers understand the vulnerability, expense and far-reaching impact associated with data security breaches for organizations of all sizes. In today’s data-driven world—where vast and sensitive information is stored and transferred electronically on customers, clients, patients and intellectual property—it’s imperative to get the right coverage in place. Taking a proactive approach with your insureds is the best way to protect them and their hard-earned, trustworthy reputation.

Highlights:

 

  • A.M. Best A+ Superior Rating
  • Experienced Cyber Liability Team
  • Limits available $25mm+
  • Primary and XS Available
  • Responsive Service and Support
  • As little as 24-Hour Turnaround

Target Classes:

  • Financial Institutions
  • Healthcare
  • Higher Education
  • Lawyers
  • Data Security
  • Retail
  • Network Providers

Lines of Business:

  • Security and Privacy Liability
  • Event Management
  • Network Business Interruption
  • Cyber Extortion
  • Breach Response
  • Forensic and Legal Assistance
  • Regulatory Coverage
  • Cyber Crime/Social Engineering
  • Contingent Bodily Injury
  • Breach Costs Outside the Limits
  • Public Relations and Reputation Restoration

Additional Information:

  • Cyber breaches are mostly a result of foreign offshore sophisticated hackers.
    • False: Any lost devices, viruses, or disgruntled employees could compromise your data integrity.
  • Only large retail and the healthcare system are at risk of hacking.
    • False: Small businesses are vulnerable and may not be as well equipped to handle. They regularly face in excess of $200,000 in costs associated with a breach.
  • All Cyber exposures are covered under general liability coverage.
    • False: The increased risk today means less coverage with general liability policies.
  • Using cloud storage service reduces risk and liability.
    • False: Despite proactive efforts, cloud storage does not reduce cyber threats.
  • The cost of a breach is limited to notification expenses and credit monitoring.
    • False: Although 46 states require notification, there are legal costs and significant business disruption and reputational costs

Contact
Breckenridge Insurance
855.728.8822
solved@breckis.com

URL: https://www.breckis.com/brokerage/cyber-liability/

Builder's Risk

Our specialists are experts in addressing your insureds’ needs for builder’s risk. At Breckenridge Insurance we have more than 30 years of longstanding relationships with top-rated global carriers and contract binding authorities, allowing us to quickly and competitively cover your diverse situations. As appetites continue to change, we continually seek the best solutions and deliver creative approaches to keep you at the forefront of the industry.

Highlights:

  • A Rated Carriers
  • Monoline or Package available
  • Tailored solutions for challenging risks
  • Long Standing Relationships for Specialized Markets
  • Admitted and Non-Admitted

Target Classes:

  • Apartments & Condominiums
  • Churches
  • Energy & Mining
  • Hospitality & Entertainment
  • Hotels & Motels
  • Large Rental Dwelling Schedules
  • Manufacturing
  • Offices
  • Restaurants
  • Retail Stores
  • Vacants
  • Warehouses

Submission Requirements:

  • ACORD Forms
  • Excel Statement of Values
  • 5 Years Currently Valued Loss Runs
  • Prior Carrier Information Including Limits, Deductibles and Premiums

Contact
Breckenridge Insurance
855.728.8822
solved@breckis.com

URL: https://www.breckis.com/brokerage/builders-risk/

Casualty

At Breckenridge Insurance we have ready-access to diverse carrier markets and binding authorities that serve a variety of casualty risks. Our team of experienced professionals will quickly guide you to a competitive and meaningful solution to address your insureds’ needs best. From product recall and physicians groups to food service and pharmaceutical manufacturing, we know how to deliver results that drive business success.

Classes:

 

  • General/Specialty Contractors
  • Food Processing/Distribution
  • Machinery or Equipment Dealers
  • Automotive Parts Manufacturing
  • Sporting Goods or Athletic Equipment Manufacturing
  • Firearms/Ammunition Manufacturing
  • Food Products Manufacturing 
  • Repair or Installation of Industrial Equipment
  • Sales, Service and Installation of Medical Equipment
  • Amusement Parks
  • Guides, Outfitters & Lodges
  • Restaurants

Highlights:

  • Access to top-rated carriers
  • Admitted and Non-Admitted
  • Responsive service and support

Industries:

  • Agribusiness
  • Construction
  • Hospitality & Entertainment
  • Life Sciences
  • Manufacturing
  • Real Estate

Submission Criteria:

  • ACORD Forms
  • Supplemental Application
  • 5 Years Currently Valued Loss Runs
  • Current Program Information, Target Premiums and Need-by Date

Contact
Breckenridge Insurance
855.728.8822
solved@breckis.com

URL: https://www.breckis.com/brokerage/casualty/

Commercial Earthquake

At Breckenridge Insurance we have ready-access to diverse carrier markets and binding authorities that serve a variety of casualty risks. Our team of experienced professionals will quickly guide you to a competitive and meaningful solution to address your insureds’ needs best. From product recall and physicians groups to food service and pharmaceutical manufacturing, we know how to deliver results that drive business success.

Classes:

 

  • Lloyd’s Paper (A Rated)
  • No Pre-Set Minimums
  • 24 hour Quick Turnaround
  • Coming Soon: Online Access

Lines of Business:

 

  • $5MM Limit per Building/Location
  • Deductibles as Low as 2%
  • Optional  – EQSL and Flood

Eligible States:

  • AR, AZ, CO, DC, DE, ID, IA, IL, IN, KS, KY, MD, MN, MO, MS, MT, ND, NE, NM, NV, OK, SC, SD, TN, TX, UT, VA, WI, WV, WY

Contact
Breckenridge Insurance
855.728.8822
solved@breckis.com

URL: https://www.breckis.com/brokerage/commercial-earthquake/

Construction / Contractors

Seeking a solution for those hard to place contractors who don’t fit a standard market appetite? Have a Residential or Commercial Project Specific or Wrap need, either Contractor, Owner or Combined? Breckenridge Insurance has the market expertise and available capacity for all size projects.

Target Classes:

  • General Contractors
    • Up to 100% paper
    • Residential, commercial, industrial, institutional
  • Construction/project managers
  • Course of construction/owner’s interest GL
  • Artisan & trade contractors
    • Alarm & security
    • Carpentry
    • Concrete construction
    • Crane operators and riggers
    • Demolition
    • Drywall
    • EIFS
    • Electrical Excavation
    • HVAC
    • Landscapers
    • Painters
    • Plumbers
    • Roofers
    • Sprinkler contractors
    • Street & road
    • Swimming pool
    • Tower erection
    • Water/Sewer

Lines of Business:

  • eneral Liability
  • Excess and Umbrella
  • OCP
  • Course of Construction/owner’s interest GL
  • Railroad Protective
  • Contractors Pollution (practice & project specific)
  • Professional Liability
  • Inland Marine (contractors equipment, tool floater)
  • Property (warehouses, vacant spec homes, etc.)
  • Builders risk (ground-up construction and renovations coverage)
  • OCIP/Wrap-up
  • Automobile
  • Workers Compensation

Contact
Breckenridge Insurance
855.728.8822
solved@breckis.com

URL: https://www.breckis.com/brokerage/construction-contractors/

Energy / Environmental

Breckenridge Insurance offers a wide range of products and services for energy-related and environmental risks.  At Breckenridge Insurance Services, we can cover a broad range of considerations and tailor a solution that best suits your insureds’ needs. Our team has the expertise and access to a range of top-rated carriers to assist you in placing multiple lines for the petroleum, renewable energy, power generation, mining and environmental risks. 

Highlights:

  • Access to Top-Rated Carriers
  • Tailored Solutions for your Insureds’
  • Experienced Energy/Environmental Team
  • Understand Challenging Risk
  • Responsive Service and Support

Target Classes:

  • Environmental
    • Asbestos, Lead & Mold Abatement
    • Chemical Risks
    • Commercial Facilities
    • Contractors (across the board)
    • Environmental Contractors, Consultants & Engineers
    • Fire/Water Restoration Contractors
    • Habitational
    • Hazardous Waste Transporters
    • Industrial Facilities
    • Manufacturers and Distributors
    • Municipal Facilities
    • Recycling Facilities
    • Repair Garages
    • Storage Tanks
    • Tank Inspection Contractors and Removal Companies
    • Waste Treatment Facilities
  • Energy
    • Petroleum:
      • Oil & Gas Lease Operators
      • Oilfield Service Contractors
      • Drilling Contractors
  • Clean & Renewable:
    • Ethanol & Biodiesel
    • Anaerobic Digesters
    • Methane recovery (Landfill Gas, Anaerobic Digesters)
    • Waste-to-energy facilities (Municipal Solid Waste)
    • Wind Energy & Solar Energy
  • Power Industry:
    • Independent Power Producers (natural gas fired, coal fired, hydroelectric)
    • Utilities
  • Mining Industry:
    • Mining operations – surface and underground
    • Coal, Industrial minerals (limestone, salt) & Precious metals
    • Processing Operations

Lines of Business:

  • Petroleum:
    • Oil & Gas Lease Operators – Property, Liability, Auto, WC (no over-the-hole), Pollution
    • Oilfield Service Contractors – Property, Liability, Auto, WC, Pollution
    • Drilling Contractors – Property, Liability, Auto (depending on rig size), Pollution (time element only)
  • Clean & Renewable – Property, Liability, Auto, WC, Umbrella
  • Power Industry – Property, Liability, Auto, WC, Pollution (time element only), Umbrella
  • Mining Industry – Property, Liability, Auto, Pollution, Umbrella
  • Environmental:
    • Contractors Pollution Liability (Job Specific)
    • General Liability
    • Lender Environmental Liability
    • Products Pollution Liability
    • Professional Liability
    • Site Pollution Liability
    • Storage Tank Liability
    • Transportation Pollution Liability (TPL)
    • Unsupported Excess Liability

Submission Requirements:

  • Environmental:
    • ACORD Forms
    • Supplemental Application
    • 5 Years Currently Valued Loss Runs

Contact
Breckenridge Insurance
855.728.8822
solved@breckis.com

URL: https://www.breckis.com/brokerage/energy-environmental/

Healthcare

Breckenridge Insurance offers quality, competitive healthcare insurance products and services from an array of long-standing A.M. Best A-rated carrier partners. Coupled with our deep industry knowledge, we serve a wide spectrum of healthcare organizations and providers.

Highlights:

  • A.M. Best A+ Superior Rating
  • Experienced Healthcare team
  • Admitted and Non-Admitted Carriers
  • Understand the complexities of diverse businesses
  • Access to top-rated carriers
  • Responsive service and support
  • Skilled Nursing & Senior Care:
    • Multiple markets A-rated or better, including limited distribution markets
    • Primary and XS coverage with limits available to $10mm
    • General Liability and Professional Liability in a Combo or Stand-Alone Policies
    • Senior Care Classes Targeted – Independent, Assisted, Memory Care and Skilled Nursing

Target Classes:

  • Aging Services Organizations:
    • Skilled nursing and sub-acute facilities
    • Continuing care retirement communities
    • Assisted living centers
    • Independent living communities
    • Memory-loss facilities for dementia and Alzheimer’s care
    • Home and community-based services
  • Allied Healthcare Facilities & Providers:
    • Ambulatory surgery centers — http://www.breckis.com/wp-content/uploads/2015/04/Ambulatory-Surgery-Centers-White-Paper-0122191.pdf
    • Cancer treatment centers
    • Community health centers
    • Home health care
    • Hospice Care
  • Hospital & Health Systems
  • Life Sciences Companies:
    • Pharmaceutical & nutraceutical manufacturers
    • Medical device manufacturers
    • Medical implant, prosthetics, bandage, surgical supply and surgical instrument manufacturers
    • Medical technology developers
    • Clinical trial companies
    • Clinical research organizations
  • Physicians’ Clinics & Group Practices

Lines of Business:

  • Professional Liability (Claims-Made and Occurrence)
  • General Liability
  • Property
  • Commercial Auto including vehicles used for patient transport
  • Umbrella and Excess Liability – high limits available
  • Employee Benefits
  • Additional coverages include crime, cyber liability, equipment breakdown, inland marine, directors and officers. Captive and loss sensitive options are also available
  • Life Sciences:
    • Products Liability
    • General Liability
    • E&O/Professional
    • Excess/Umbrella
    • Hired & Non Owned
    • D&O/EPLI/Fiduciary/Crime
    • Property
    • Auto
    • Workers’ Compensation
  • Skilled Nursing & Senior Care:
    • General Liability, Professional Liability
    • Primary & XS
    • Directors & Officers/EPLI/Fiduciary and Crime
    • Cyber
    • Property

Submission Requirements:

  • Skilled Nursing & Senior Care:
  • Completed Residential/Senior Care Facility Application
  • Currently valued loss runs (if new facility owner, loss runs for prior owner)
  • Most Recent State Inspection
  • If over 100 beds, financials
  • Expiring Terms (limits, retention, retroactive date) / Target Premium

Contact
Breckenridge Insurance
855.728.8822
solved@breckis.com

URL: https://www.breckis.com/brokerage/healthcare/

Hospitality / Retail

Our broker specialists are experts in addressing your insureds’ hospitality needs—from night clubs, pubs and taverns and hotel/motels to our exclusive coverage for franchise restaurants. At Breckenridge Insurance we have ready-access to diverse carrier markets and binding authorities that serve a variety of hospitality risks, including an exclusive liquor program.

Retail stores face significant insurance challenges. A constant stream of customer traffic is great for business, but also creates a variety of ongoing risks. You can protect your business from the unexpected with specialized retail insurance solutions.

At Breckenridge Insurance, we have the expertise, speed, and efficiency in providing you the best coverage at attractive rates. Our expert brokers are ready to respond to your insureds’ needs with competitive, top-rated coverage nationwide.

Highlights:

  • Hospitality:
    • Available in All States
    • Experienced Loss Control
    • Dedicated Claims Staff
    • Prompt Turnaround and Service
  • Retail:
    • Can write both above-ground and underground storage tanks
    • Can write liquor liability in most states
    • Restaurant and cooking exposures within the convenience store along with spoilage and equipment breakdown
    • Can write up to the coast on property with coverage on canopy/pumps, signs, etc.
    • Propane fill or propane swaps
    • Assault and Battery coverage available in most areas

Target Classes:

  • Nightclubs
  • Adult Nightclubs
  • Live Music Venues
  • Lounges
  • Sports Bars
  • Pubs & Taverns
  • Jazz Clubs
  • Comedy Clubs
  • Restaurants – franchise and stand alone
  • Bowling alleys
  • Hotel/Motels
  • Liquor stores

Submission Requirements:

  • Hospitality:
    • ACORD Applications
    • Statement of values including cope information
    • Hospitality Supplemental
    • 5 years of loss runs
    • Target numbers as well as expiring carriers
  • Retail:
    • Completed Acord Applications
    • Completed Supplemental if available
    • SOV if multiple locations
    • 3 -5 Valued year Loss Runs preferred

Contact
Breckenridge Insurance
855.728.8822
solved@breckis.com

URL: https://www.breckis.com/brokerage/hospitality-retail/

Investor Owned Real Estate

Breckenridge Insurance delivers smart protection for those who have residential dwelling schedules—with some commercial permitted—in their portfolio of properties. As an investment strategy and income-producing asset, understanding the needs of these busy individual and institutional investors, and the nuances of the dynamic real estate market, is key to long-term success. We provide competitive and flexible property and general liability coverage under a master policy approach to simplify the process for your client and to support your growth.

Highlights:

  • Available Property and General Liability Coverage
  • Up to 20% of schedules can be commercial
  • Broad geographic coverage and quick turnaround
  • Vacant Properties Acceptable
  • $5,000 minimum premium

Target Classes:

  • Individual Property Investors/Landlords
  • REOs
  • REITs
  • Property Management Companies

Lines of Business:

  • All Risk property coverage form by Lloyds of London (Excl Flood / Quake)
  • $2.5MM per location max limit / No max limit per schedule
  • Replacement Cost for Dwellings and Commercial Properties Available
  • Loss of Rents Coverage Available
  • $1,000 Minimum deductible for All Other Perils
  • Competitive Wind/Hail Deductible
  • Rate Credit Available for increased deductible structure

Submission Requirements:

  • Spreadsheet of properties
  • ACORD application
  • Loss Runs

Contact
Breckenridge Insurance
855.728.8822
solved@breckis.com

URL: https://www.breckis.com/brokerage/investor-owner-real-estate/

Professional Liability

Breckenridge Insurance is a proven specialist intermediary offering comprehensive and competitive insurance products for a range of risks. As market makers, we work diligently to “go beyond the binder” and deliver timely and vital coverage tailored to your needs.

Highlights:

  • A.M. Best A+ Superior Rating
  • Experienced professional liability team
  • Understand the complexities of diverse businesses
  • Access to top-rated carriers
  • Responsive service and support

Target Classes:

  • Film and Media Producers
  • Advertising Firms
  • Architects & Engineers
  • Real Estate Developers
  • Imaging Centers
  • Drug Treatment Facilities
  • Consultants
  • Accountants
  • Lawyers
  • Free Standing Cancer Treatment
  • Allied Health
  • Surgery Centers / Laboratories
  • Analysts
  • Instructors & Trainers
  • Property Managers
  • Real Estate Agents
  • Safety Consultants 
  • and many more

Lines of Business:

  • Media Liability
  • Intellectual Property
  • Miscellaneous Professional
  • Medical Malpractice/Allied Health
  • Miscellaneous E&O
  • Specified Professional
  • D&O
  • EPLI
  • Fiduciary
  • Kidnap & Ransom
  • Crime
  • Cyber
  • Excess Professional
  • Excess Cyber
  • Excess D&O
  • Excess EPLI
  • Health Care Umbrellas (limited classes)

Submission Requirements:

  • ACORD Forms
  • Supplemental Application
  • 3 to 5 Years Currently Valued Loss Runs
  • Prior Carrier Information Including Limits, Deductibles and Premiums

Contact
Breckenridge Insurance
855.728.8822
solved@breckis.com

URL: https://www.breckis.com/brokerage/professional-liability/

Property

We have the property coverages your insureds need!

At Breckenridge Insurance, we have the expertise, speed, and efficiency in providing you the best coverage at attractive rates. Our expert property broker specialists are ready to respond to your diverse insureds’ needs—from coastal to complex to vacant—with competitive, top-rated coverage nationwide. We know how to handle risks in storm- or fire-prone areas including those that regularly experience hurricanes, noreasters, or wildfires.

Highlights:

  • Available in All States
  • Experienced Loss Control
  • Dedicated Claims Staff
  • Prompt Turnaround and Service

Target Classes:

  • Apartments & Condominiums
  • Churches
  • Energy & Mining
  • Hospitality & Entertainment
  • Hotels & Motels
  • Large Rental Dwelling Schedules
  • Manufacturing
  • Offices
  • Restaurants
  • Retail Stores
  • Student Housing
  • Vacants
  • Warehouses

Lines of Business:

  • Builders Risk
  • Coastal & Critical Wind
  • Deductible Buy Downs
  • DIC including Earthquake & Flood
  • Equipment Breakdown
  • Inland Marine
  • Lessor’s Risk
  • Package
  • Property
  • Stock Throughputs
  • Tier 1 CAT
  • Warehouse Legal Liability
  • Of Note:
    • Shared & Layered Programs for both CAT Driven & Non-CAT accounts
    • Multi-location & Multi-state schedules
    • Primary, Quota-Share & Ground up capacity

Submission Requirements:

  • ACORD Forms
  • Excel Statement of Values
  • 5 Years Currently Valued Loss Runs
  • Prior Carrier Information Including Limits, Deductibles and Premiums

Contact
Breckenridge Insurance
855.728.8822
solved@breckis.com

URL: https://www.breckis.com/brokerage/property/

Public Entity

State and local governments need effective insurance now more than ever to protect them from costly losses at a time when budgets are stretched to the limits. The public entity professionals at Breckenridge Insurance Services know how to handle hard-to-place, standard and excess/surplus risks. We work with “A”-rated carriers and above that understand governmental risk.

Highlights:

 

  • A.M. Best A Rated or above
  • Offer a variety of first dollar and excess coverages
  • Provide high-value “Total Insurable Limits” for property coverage

Target Classes:

  • Municipal governments including boroughs, cities, towns, townships, and villages
  • States, Counties and Parishes
  • Government Districts including water, utility, library, fire, road and park districts
  • Governmental Insurance Pools
  • Educational Institutions including Public School Districts, Colleges, Junior Colleges, Tech & Trade Schools, and Private Schools

Lines of Business:

  • First Dollar and Excess Coverages:
  • Property and Inland Marine
  • General Liability
  • Boiler & Equipment Breakdown
  • Automobile Liability
  • Law Enforcement Professional Liability
  • Educators Liability
  • Public Officials Liability
  • Cyber Liability
  • Crime
  • Umbrella
  • Workers’ Compensation (Excess only)
  • Enhancements Include:
    • Failure to Educate Students
    • Incidental Medical Malpractice
    • Wrongful imprisonment and Incarceration
    • Sewer Backup
    • Punitive Damages (Where permitted by law)
    • Non Employment Harassment, including Sexual Abuse and Molestation
  • Liability Limits:
    • Breckenridge has the ability to quote liability limits up to $200MM. We provide high-value “Total Insurable Limits” for property coverage.

Additional Information:

  • Carriers are “A” rated or better.
  • Some carrier programs are only available through our Public Entity Group.
  • Depending on the program and coverage required, carriers can use “admitted” or “non-admitted” paper

Contact
Breckenridge Insurance
855.728.8822
solved@breckis.com

URL: https://www.breckis.com/brokerage/public-entity/

Vacant Property

We have your vacant properties covered.

The specialty property team at Breckenridge Insurance has extensive experience in covering vacant properties nationwide and has partnered with a A.M. Best A+ (Superior) carrier to cover all your insureds needs.

Classes:

 

  • Target Classes:
    • All types of vacant buildings
    • Will work to offer some type of solution through the use of coverages, terms, rates, and limits
  • Ineligible
    • Windstorm and hail exposures in tier 1 or tier 2 counties
    • Severe brush fire exposures

Coverages:

 

  • No TIV restrictions
  • No co-insurance with adequate insurance to value
  • Flexibility to modify the coverage
  • Limits: Primary, Excess and Full
  • ACV (Actual Cash Value)
  • RCV (Replacement Cost Value)

Features:

  • A.M. Best A+ (Superior)
  • Experienced Property Underwriting Team
  • Available to help you grow your property E&S book.
  • Timely response delivered to agent requests and submissions.

Submission Criteria:

  • ACORD form:
    • ACORD property application
    • Vacant building application, if applicable
    • Statement of values
    • For multiple locations: breakdown of values per building
  • Loss runs:
    • Minimum of three years of hard-copy loss runs
    • No loss letter signed by insured if a new purchase

Related Programs:

Contact
Michael G. Marks
804.459.8083
mmarks@breckis.com

URL: https://www.breckis.com/program/vacant-property-coverages/

Workers' Compensation

Our workers’ compensation team has the expertise to handle most state jurisdictions and your most difficult risks as we offer access to diverse carriers. Our capabilities include writing primary or excess coverage for self-insureds as well as structuring large deductible plans throughout the United States. Our expertise as a wholesaler goes well beyond sourcing to delivering a viable and competitive program that best suits the situation.

Highlights:

  • A.M. Best A+ Superior Rating
  • Multi-state capabilities
  • More than 500 eligible classes
  • Prompt turnaround and service
  • Solid expertise and market relationships
  • Excess WC for Self-Insureds

Target Classes:

  • More than 500 classes, including:
    • Auto Recyclers/Dealers
    • Roofing
    • Heavy Manufacturing
    • Contractors/Landscapers
    • Property Management
    • Healthcare/Nursing Homes
    • USL&H
    • Tough to Place Risk, Exposure and/or Loss
  • Excess:
    • Public Entities
    • Schools
    • Hospitals
    • Nursing Homes
    • Manufacturing
    • Construction and more

Lines of Business:

  • Guaranteed Cost – More than 500 eligible class codes, most states
  • Excess WC for Self-Insureds – one of the larger producers for several carriers
  • Large Deductible – Can include WC, GL and Auto
  • Alternative Markets –  Expertise in captive and rent-a-captive program
  • Excess:
    • *Buffer Policy: Breckenridge has access to a buffer layer policy that reduces the insured’s SIR and exposure to a specified level. Highlights of this program:
    • Reimburses statutory workers’ compensation and employers liability claims excess of the SIR and within the buffer limit of liability
    • Admitted states – AL, AR, AZ, CA, CO, GA, IL, IN, KY, LA, MA, MI, MN, MO, NC, NE, NJ, NM, NV, OH, OK, PA, SC, SD, TN, TX, UT, WV and WY (NY is in process)
    • Attachments as low as $100,000
    • Follow form Excess WC coverage, not AD&D
    • We can assist in determining whether self-insurance might be an option for your client and help with the approval process. If self-insurance is not the right approach, we do have access to many A-rated Guaranteed Cost markets. Our expertise as a wholesaler goes well beyond sourcing to delivering a viable and competitive coverage that best suits the situation.

Additional Information:

  • Primary Markets:
    • AIG
    • American Mining Amerisafe
    • AmTrust BerkleyNet Berkshire Hathaway
    • Employers FirstComp Guard
    • Hartford Markel RTW
    • Starstone V3 Insurance Partners
  • Excess Markets:
    • ACE
    • Arch
    • Midlands- NY Marine
    • Midwest Employers Casualty
    • Safety National
    • US Specialty-State National
  • Large Deductible Markets:
    • AIG
    • Old Republic
    • Safety National
    • Sentry
    • Strategic Comp

Contact
Breckenridge Insurance
855.728.8822
solved@breckis.com

URL: https://www.breckis.com/brokerage/workers-comp/