Program Administrators - Distinguished Programs

Distinguished Programs

Programs & Coverages: Builders Risk, City Homes Insurance Program, Community Association Umbrella Liability, Condo Combo (D&O, Crime, Umbrella), Crime Coverage for Community Associations, D&O Liability for Community Associations, Hospitality - Full Service, Luxury & Resort Primary Casualty, Hospitality - Full Service, Luxury, Resort & Casino Umbrella, Hospitality - Limited Service Hotel Umbrella, Museum Umbrella Liability, New York Brick & Brownstone Insurance Program, Real Estate Umbrella Liability, Remodelers Risk, Vacant Buildings, Historic Properties

M1180 Ave of the Americas, 16th Floor | New York, NY 10036

P888-355-4626

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Company Description

Distinguished Programs is a leading national insurance program manager focused on niche products for select business segments and industries. The company provides a wide range of competitive property and liability programs for commercial real estate risks, museums, small retail businesses, contractors and other business types. Programs are distributed through a growing network of more than 2,500 independent agents and brokers. Distinguished is the recipient of the “Best Practices Designation” by the Target Markets Program Administrators Association and made Inc. Magazine’s 2012 list of the fastest-growing private companies in America.

Programs & Coverages

Builders Risk

Ground up construction

The Builders Risk Program is for property owners, contractors and others responsible for insuring commercial and residential properties during ground up construction. It features DPExpress processing which lets you qualify, quote and issue with only two short screens of data entry.

Key advantages:

  • Competitive pricing and commission
  • One step, online quoting and policy issuance
  • No volume commitments
  • A fast, cost effective way to handle small accounts – rate and issue with two short screens of data entry
  • A+ rated admitted carrier
  • Superior claim service
  • Backed by a specialized Builders Risk group, delivering the highest level of expertise and service

Eligibility:

  • Commercial and residential new ground-up construction
  • Commercial and residential renovation or improvement projects
  • Values up to $5 million

Contact
Nicole Knight
720-398-0856
NKnight@distinguished.com

URL: http://www.distinguished.com/Site/programs/real-estate/remodelers-risk/

City Homes Insurance Program

A package product for small urban multi-family buildings

The City Homes (CHIP) Program is a package product designed for small urban multi-family buildings in designated cities across the country. Urban areas and older joisted masonry buildings are this program’s "sweet spot."

We’ve built in lots of efficiencies to help you handle this business quickly and cost effectively.

Key advantages:

  • Competitively priced package policy that includes coverage for equipment breakdown
  • Replacement cost valuation to TIV + loss protection adjustment up to an additional 15%
  • 3 year policy term option
  • Easy to complete on-line application makes quoting fast and efficient
  • Electronic policy delivery
  • Automatic renewal process

Eligibility:

  • Risk Territory:
Alexandria, VA Los Angeles, CA St. Louis, MO
Baltimore, MD Minneapolis, MN St. Paul, MN
Bergen, Essex & Hudson County NJ Philadelphia, PA Washington, D.C.
Boston, MA Portland, OR Worchester, MA
Chicago, IL San Francisco & Bay Area, CA
Denver, CO Seattle / Tacoma, WA
  • Size: 1 – 30 units (up to 50 units in Chicago) sweet spot in all cities is 10 units and under and can include ground floor mercantile
  • Classes: condos, co-ops, brownstones, row housing and apartment buildings.
  • Construction: joisted masonry or better
    • Brick veneer in Minneapolis & St. Paul, MN
    • Frame in San Francisco, CA, Seattle, WA, & Boston, MA (Condos only)
  • TIV to $6 million
  • Stories: 2 to 6

Contact
Katherine Vespia
401.297.3115
KVespia@distinguished.com

URL: http://www.distinguished.com/Our-Programs/Real-Estate/City-Homes.aspx

Community Association Umbrella Liability

Excess public and directors & officers liability for community associations with limits from $1 million to $300 million

This umbrella program provides excess coverage over our Community Association Directors & Officers liability policy. High liability limits are available at extremely competitive prices.

Distinguished Programs pioneered the country's first real estate umbrella liability purchasing group in 1987. Today our umbrella programs are among the largest in the country.

Key advantages:

  • Flexible limits – from $1 million to $300 million
  • One step, online quoting and policy issuance
  • Automatic renewal process for most accounts
  • Per location limits for each insured - follow form
  • No self insured retention
  • Sexual abuse & molestation - follow form
  • Directors & officers for condo & home owner associations including employment practices liability - follow form
  • Broad named insured endorsement
  • Low minimum premium

Eligibility:

  • Condominiums
  • Cooperatives (CO-OP)
  • Townhouses
  • Homeowner assocations (HOA)
  • Planned unit developments (PUD)

Contact
Sue DeCarlo
212.297.3179
SDeCarlo@distinguished.com

URL: http://www.distinguished.com/Site/programs/community-associations/community-association-umbrella/

Condo Combo (D&O, Crime, Umbrella)

A combination of our popular Community Association D&O, Crime, and Umbrella

This program is designed to provide "one stop shopping" for D&O, crime and umbrella coverages for not-for-profit community associations.

Our D&O, crime and umbrella policies are designed by leading experts in professional and real estate liability insurance. They are a direct result of the latest thinking in the industry. Condo Combo brings three separate policies together with one easy to complete application and one insurance company.

Key advantages:

  • One easy, time-saving application
  • Special discounted pricing for risks with 136 or less units
  • Same broad coverage
  • One step, online quoting and policy issuance

Eligibility:

  • Condominium associations (COA)
  • Cooperatives (COOP)
  • Homeowners associations (HOAs)
  • Planned unit developments (PUDs)

Contact
Kyle Hyla
330-460-5969
KHyla@distinguished.com

URL: http://www.distinguished.com/Site/programs/community-associations/condo-combo/

Crime Coverage for Community Associations

Employee dishonesty and more for community associations

This program is designed to protect community associations against employee dishonesty for things such as fraud, forgery and theft.

Key advantages:

  • Ability to write Agreement 1 only, employee dishonesty or all 7 agreements
  • One step, online quoting and policy issuance
  • A managing agent endorsement is available
  • Non compensated directors and officers, managers, temporary and leased employees are all included in the definition of employee
  • Financials are not necessary to bind


Eligibility:

  • Homeowners associations (HOA)
  • Commercial associations
  • Condominium associations (COA)
  • Cooperatives (CO-OP)
  • Planned unit developments (PUD)
  • Property owners associations (POA)
  • Time shares / intervals

Contact
Kyle Hyla
330-460-5969
KHyla@distinguished.com

URL: http://www.distinguished.com/Site/programs/community-associations/crime/

D&O Liability for Community Associations

Critical coverage for community association board members

This program is designed to protect not-for profit community association board members from lawsuits that result from actions or decisions made while they are serving. This is one of the most crucial policies a community association needs.

Established in 1999, this is one of Distinguished Programs’ flagship products. It is a top-of-the-line, stand-alone policy underwritten by a carrier with a high level of expertise and commitment to this line of business.

Key advantages:

  • First dollar defense
  • One step, online quoting and policy issuance
  • Defense outside the limit of liability
  • Defense for breach of third party contract
  • Broad definition of insured - includes those performing property management services
  • Softened "hammer" clause – 50 / 50
  • Simple application
  • Low minimum premium
  • Financials not necessary to bind

Eligibility:

  • Homeowners associations (HOA)
  • Condominium associations (COA)
  • Cooperatives (CO-OP)
  • Planned unit developments (PUD)
  • Property owners associations (POA)
  • Time shares / intervals
  • Residential properties
  • Can include ground floor mercantile

Contact
Kyle Hyla
330-460-5969
KHyla@distinguished.com

URL: http://www.distinguished.com/Site/programs/community-associations/directors-and-officers/

Hospitality - Full Service, Luxury & Resort Primary Casualty

Designed for the upscale, luxury and resort class of hotel, this program offers specialized hotel coverage and claims management service. Claims are handled through Certus Claims Administration, LLC – a Distinguished Programs company that specializes in hospitality claims.

The Distinguished Programs program takes into consideration the varied and unique combination of exposures that are present at full-service hotels. Created in 1995 as the first hotel insurance program of its kind, the Full Service, Luxury and Resort Primary Casualty Program has been leading this segment of the hospitality industry.

Key advantages:

  • Hotel-specific coverage enhancements
  • Broad range of hotel amenities
  • Claims management with Certus Claims Management
  • Hospitality risk consultation and education
  • Meets the needs of hotel brand coverage requirements
  • Coverage for hotel owners and hotel management companies
  • Admitted A.M. Best A-rated carriers

Eligibility:

Full-service hotels are generally mid-price, upscale, luxury or resort hotels with a restaurant, lounge facilities and meeting space, as well as minimum service levels often including bell service and room service. These hotels report food and beverage revenue.

  • Available in all 50 states
  • Broad eligibility within the upscale hotel segment:
    • Spas
    • Liquor
    • Nightclubs
    • Valets
    • Liveries - passenger vans and limos
    • Pools
    • Fitness facilities
    • Golf courses
    • Beaches
    • Childcare
  • Can follow most underlying carriers AM Best-rated A- VII or better
  • Includes but not limited to:
    • Independent resorts
    • Boutique hotels
    • St. Regis
    • Conrad
    • InterContinental
    • Ritz-Carlton
    • Four Seasons
    • Waldorf-Astoria
    • JW Marriott
    • Lowes
    • W
    • Westin
    • Hilton
    • Marriott
    • Doubletree
    • Hyatt
    • Sheraton

Contact
Kurt Meister
425-213-5125
kmeister@distinguished.com

URL: http://www.distinguished.com/Site/programs/hospitality-and-restaurants/luxury-full-service-hotels-and-resorts/

Hospitality - Full Service, Luxury, Resort & Casino Umbrella

Designed for upscale, luxury resort and casino classes of hotels, this program offers specialized hotel coverage, $300 million limits and very competitive pricing

The Full Service, Luxury, Resort & Casino Umbrella is pre-layered for efficiency and price compression. From a coverage standpoint, it takes into consideration the varied and unique combination of exposures that are present at full-service hotels of all kinds, including casino hotels. The Distinguished Programs program is the premier hotel excess liability program serving this niche of the hospitality industry.

Key advantages:

  • $300 million limits
  • Very competitive pricing
  • Hotel-specific coverage enhancements
  • Broad range of hotel amenity coverages, including casinos
  • Meets most hotel brand coverage requirements
  • Coverage for hotel owners and hotel management companies
  • Admitted A.M. Best A–rated carriers

Eligibility:

Full-service hotels are generally mid-price, upscale, luxury or resort hotels with a restaurant, lounge facilities and meeting space as well as service levels that often include bell service and room service. We’ve addressed the needs of this class for more than 20 years.

  • Available in all 50 states
  • Broad eligibility within the upscale hotel and resort segment:
    • Casinos
    • Tribal casinos
    • Riverboat casinos
    • Spas
    • Liquor
    • Nightclubs
    • Valets
    • Liveries- passenger vans and limos
    • Pools
    • Fitness facilities
    • Golf courses
    • Beaches
    • Childcare
    • Marinas
    • Boats
    • Lakes
    • Theaters
    • Bowling alleys
  • Can follow most underlying carriers AM Best-rated A- VII or better

Contact
Kurt Meister
425-213-5125
kmeister@distinguished.com

URL: http://www.distinguished.com/Our-Programs/Hospitality/Full-Service-Luxury-Resort-Casino-Umbrella.aspx

Hospitality - Limited Service Hotel Umbrella

Designed for the limited service class of hotels with limits of $5 million to $100 million

The Distinguished Programs Limited Service Umbrella is available to a wide range of franchised or independently operated hotels with limited amenities. The broad eligibility spectrum includes high rise buildings, outside egress, all types of construction, and with or without food and beverage exposure.

Key advantages:

  • Competitive pricing
  • Fast response and turnaround
  • Low minimum premiums
  • Many limit options
  • Admitted A.M. Best A-rated carriers
  • Meets most hotel brand coverage requirements
  • Designated Hilton Hotels Corporation insurance provider

Eligibility:

Limited-service hotels usually have low operating costs and receipts due to their lack of extras. Room rates are typically lower, because these hotels cater to budget-conscious travelers.

  • Available in all 50 states
  • Broad eligibility spectrum:
    • High rise buildings
    • Outside egress
    • All types of construction
    • Food and beverage exposure
    • Pools
    • Small fitness facilities
  • Can follow most underlying carriers AM Best-rated A- VII or better
  • Hotels include but are not limited to:
    • Hampton Inn
    • Hilton Garden Inn
    • Holiday Inn and Holiday Inn Express
    • Aloft
    • Four Points by Sheraton
    • Fairfield Inn
    • Days Inn
    • Quality Inn
    • La Quinta Inns and Suites
    • Clarion, Comfort and Sleep

Contact
Andrea Dietz
425-213-5126
ADietz@distinguished.com

URL: http://www.distinguished.com/Site/programs/hospitality-and-restaurants/select-service-hotels/

Museum Umbrella Liability

This umbrella's unique design gives museums the opportunity to significantly increase directors and officers and general liability protection without increasing costs

The program offers umbrella protection for a broad range of non-profit museums. We worked closely with one of the country’s most respected and experienced organizations in protecting museums to include the specific coverages that are most vital to museums.

Key advantages:

  • Limits from $1 million to $300 million
  • Excess over non-profit directors & officers (D&O) liability
  • Liquor liability (including host) - follow form
  • Foreign GL for activities (no foreign owned locations) - follow form
  • Simplified application process
  • 24 hour electronic policy issuance
  • Per location limits for each insured - follow form
  • No self-insured retention
  • Follow form sexual abuse & molestation 
  • Broad named insured endorsement

Eligibility:

  • Art
  • Historical
  • Aquariums
  • Historical
  • Galleries
  • Archaeology or natural history
  • Maritime museums
  • Military & war
  • Science & space
  • Botanical gardens
  • Specialized or children focused
  • Zoological gardens
  • Virtual & mobile

Contact
Amanda Breakstone
425.213.5135
abreakstone@distinguished.com

URL: http://www.distinguished.com/Site/programs/cultural-historic-properties/Museum%20and%20Cultural%20Institutions/

New York Brick & Brownstone Insurance Program

Customized package protection for small owner or tenant occupied NY masonry buildings

The New York Brick & Brownstone Program is a customizable package product designed for owner or tenant occupied properties in Manhattan, Brooklyn & Queens. Developed specifically for smaller New York habitational properties, the program delivers the coverages small building owners want and the ease and efficiency brokers need to manage business cost effectively.

Key advantages:

  • Competitive pricing
  • Customizable options including flood, quake and auto

Eligibility:

  • Risk territory: Manhattan, Brooklyn, Queens
  • Size: 1 - 30 units
  • Classes: condos, co-ops, brownstones, row housing and apartment buildings.
  • Construction: joisted masonry or better
  • TIV to $6 million for JMS (jointed masonry structures)
  • Stories: 10 or under
  • Residential properties – can include ground floor mercantile

Contact
Katherine Vespia
401-921-5338
kvespia@distinguished.com

URL: http://www.distinguished.com/Site/programs/real-estate/ny-brick-and-brownstone/

Real Estate Umbrella Liability

Valuable protection with limits from $1 million - $300 million

The program offers high liability limits at extremely competitive prices for a broad range of real estate risks. Formed by Distinguished Programs in 1987, it is the country’s first and longest running real estate umbrella liability purchasing group. Today our umbrella programs are among the largest in the country.

We also have lower limit companion umbrellas for some of our property and liability programs that are priced in accordance with those smaller risks.

Key advantages:

  • Limits from $1 million to $300 million
  • Easy application process
  • One step, online quoting and policy issuance
  • Automatic renewal process for most risks
  • Per location limits for each insured - follow form
  • No self insured retention
  • Sexual abuse & molestation - follow form
  • Directors & officers for condo & home owner associations including employment practices liability
  • Broad named insured endorsement

Eligibility:

Residential and commercial buildings (LRO) including:

  • Condominiums
  • Cooperatives
  • Apartments / rentals
  • Townhouses
  • Homeowner associations
  • Planned unit developments (residential & commercial)
  • Senior / independent housing
  • Student housing (must write primary)
  • Office buildings
  • Strip malls
  • Stand-alone retail properties
  • NFP office parks
  • General warehousing
  • Light industrial complexes
  • Schedules of real estate

Contact
Sue DeCarlo
212.297.3179
SDeCarlo@distinguished.com

URL: http://www.distinguished.com/Site/programs/real-estate/real-estate-umbrella/

Remodelers Risk

Coverage for buildings and improvements during remodeling

The Remodelers Risk Program is for clients who want to cover both the existing structure and the improvements to a residential or commercial property during a renovation. The program can protect property owners, contractors, receivers and others with a legal or financial obligation to insure the risk. Values can be up to $5 million.

Key advantages:

  • Quick turnaround with only two short screens of data entry
  • A+ rated admitted carrier
  • Competitive pricing and commission
  • Superior claim service
  • No volume commitments
  • Backed by a specialized builders risk group, delivering the highest level of expertise and service

Eligibility:

  • Commercial and residential properties with values up to $5 million
  • Properties that were in the course of construction in the past and work has been resumed

Contact
Nicole Knight
720-398-0856
NKnight@distinguished.com

URL: http://www.distinguished.com/Site/programs/real-estate/builders-risk/

Vacant Buildings

Today's real estate climate provides lots of opportunities for investors to buy housing stock at competitive prices. This program can provide the necessary insurance coverage until the building is rented or sold.

Our Vacant Buildings Program includes a property and general liability component and is geared for builders with homes in inventory that are intended for sale, or individual owners or investors with less than 10 investment properties. We focus on single and multi-family structures and commercial structures, including retail and office buildings.

Key advantages:

  • Special coverage form designed for residential and commercial properties during periods of vacancy
  • Limits up to $5 million (higher limits are available; subject to underwriting)
  • Competitive pricing and commission
  • Underwritten by a leading national "A" rated carrier (non-admitted)
  • Actual cash value and replacement coverage are available
  • Personal property available upon request
  • Fast turnaround and electronic processing
  • 3, 6 and 12 month terms available
  • No volume commitment
  • Responsive claim service and expert claim management

Eligibility:

  • Vacant, single-family dwellings and multi-family structures
  • Vacant commercial structures including retail, office buildings, wholesale and light-service industries
  • No more than 30% occupied
  • Up to 10 residential units

Contact
Margaret Carroll
212-297-3138
MCarroll@distinguished.com

URL: http://www.distinguished.com/Site/programs/real-estate/vacant-buildings/

Historic Properties

The Historic Properties Program is specifically designed to offer the broadest range of Property, Umbrella/Excess, Business Interruption, General Liability and Auto coverage for historic properties.

The program includes many advantages for property owners – including the ability to swiftly secure skilled craftsman, acquire architecturally unique materials and the flexibility to pay for the extra time needed to accurately identify and repair historic features. We recognize that historic assets require specific insurance solutions to ensure preservation of historical elements that make these properties so special.

Key Advantage

  • Historic replacement cost
  • Extended replacement cost
  • Guaranteed replacement cost
  • Historic cash settlement
  • Ordinance or law/increased period of restoration
  • Historic certification expense
  • Federal, state and local tax benefit recapture​

Eligibility

  • Hospitality, hotels, social clubs and restaurants
  • Museums
  • Commercial real estate buildings
  • Commercial historic homes
  • Theaters – live performance or cinematic
  • Preservation organizations

Contact
Kurt Meister
425-213-5125
kmeister@distinguished.com

URL: http://www.distinguished.com/Site/programs/cultural-historic-properties/historic-properties/