Program Administrators - Bolton Street Programs

Bolton Street Programs

Programs & Coverages: Real Estate Umbrella , Retail and Supermarket Umbrella, Restaurant Umbrella, Family Entertainment Centers, Environmental, Cyber Solutions, Architects and Engineers Professional Liability, Musical and Entertainment - Instruments and Equipment (MUSICPRO), Entertainment Professionals & Services, Jewelry Insurance Repair and Replace (GEMSAFE) , Social Services Liability, Behavioral and Mental Health Management (VAN WAGNER)

M135 Crossways Park Dr. | Suite 300 | Woodbury, NY 11797

P(516) 773-8613

Request a Quote/Information

Company Description

Bolton Street Programs is a leader in creating and administering successful affinity programs for associations and industry groups. Our goal is to be the program administrator of choice by any capital provider in the insurance market and provide a level of service that is nonexistent in the industry via technology and underwriting. Our approach is to fully understand your specific industry and develop focused, pin point insurance programs.

We have created a program group that offers a multi-line solution to our clients, supported by a high level of technology to help manage risk. We have a commitment towards new products and better serve our clients with the ability to provide flexible solutions on a multi-line basis. Bolton Street Programs combines outstanding coverage, services, pricing, and expert loss control to lower costs for association members and improve their overall insurance program.

Partnering with Bolton Street Programs is a winning proposition. You can still maintain the relationship with your current broker, take advantage of the premium savings and increased coverages, and take advantage of SterlingRisk’ s claims management system with controlled claims, resulting in lower premiums.

Programs & Coverages

Real Estate Umbrella

WHAT IS BOLTON STREET REAL ESTATE?
Bolton Street Real Estate is a Risk Purchasing Group that was formed in 1988 to protect building owners, property managers, and operators. Lead $10 million with “A” Rated carrier.

WHO WE PROTECT

  • All habitational risks must be under 2,500 units
    • Residential apartments, residential condos, cooperatives, homeowners associations, Townhomes, etc.
  • Commercial square feet must be under 1,000,000
    • Incidental mercantile
    • Office buildings
    • Shopping centers
    • Light industrial Buildings
    • Parking lots
  • Ineligible Classes: Student housing, Losses reviewed for acceptable frequency and severity

 WHY BOLTON STREET REAL ESTATE?

  • Follow form lead / mold
  • Follow form non-profit Directors and Officers (D&O)
  • Personal excess liability availability for principals
  • Follow form garage keepers legal liability
  • Vacant land and single-family dwellings as part of schedule of locations
  • Limits apply separately to each member of the Risk Purchasing Group

WHAT SETS US APART?

  • A.M. Best A-Rated
  • Dedicated Underwriting Specialists


CONTACT

Ian Sterling
(516) 719-8809
isterling@boltonst.com

Debbie McLaughlin
(516) 773-8613
dmclaughlin@boltonst.com

Retail and Supermarket Umbrella

WHAT IS BOLTON STREET SUPERMARKETS?
Bolton Street Programs has managed national risk purchasing groups for over 30 years. In 2014, we focused Bolton Street Supermarkets to protect a wide range of retail stores, including grocery stores, owners, merchants, and tenants.

WHO WE PROTECT
Broad Eligibility:
Retail Stores — free standing or in shopping centers, shoe stores, supermarkets, grocery, clothing, jewelry, eye / vision, electronic, household goods, and office supply stores.

Ineligible Classes: Second hand stores, amusement rides, auto services, pharmaceuticals, guns and ammo, infant or medical products, and free standing liquor stores.
 
WHY BOLTON STREET SUPERMARKETS?

  • Limits up to $10M, $25M, $50M & $ 100M.
  • Competitive product offering.
  • Personal excess liability available for principals (minimum underlying $5 million).
  • Limits apply separately to each member of the Risk Purchasing Group.
  • Most favorable venue endorsement.
  • Provide excellence in protection — dedicated program underwriting service.
  • Coverage for internet and international sales.
  • Follow form auto liability, abuse, assault, non-intentional discrimination, and liquor.

WHAT SETS US APART?

  • A.M. Best A-Rated
  • Admitted in all states

CONTACT

Ian Sterling
(516) 719-8809
isterling@boltonst.com

Debbie McLaughlin
(516) 773-8613
dmclaughlin@boltonst.com

Restaurant Umbrella

WHAT IS BOLTON STREET RESTAURANTS?
Bolton Street Programs has managed national Risk Purchasing Groups for over 30 years. Bolton Street Restaurants, for Fine Dining, Fast Food, Casual, and Family Restaurants. Limits from $10 million; $25 million; $50 Million; $100 Million.

WHO WE PROTECT
Broad Range of Restaurants:
Fine Dining — white table cloth (steak, seafood, higher priced meals); Family / Casual — buffet, ethnic cuisine, cafeteria; Fast Food — sandwich and salad shops, carry outs, franchises, and pizza.

Ineligible Classes: Bars, sport bars, dance floors, country clubs, food trucks, concert venues, seasonal operations, pubs or restaurants with liquor sales greater than 50%, 24 hour restaurants, and 24 hour drive thru establishments.
 
WHY BOLTON STREET RESTAURANTS?

  • No shared limits
  • Competitive product offerings
  • Personal excess liability available for principals (min. underlying $5 million)
  • Follow form auto liability, abuse, assault, nonintentional discrimination, and liquor
  • Most favorable venue
  • Liquor sales above 30% can be reviewed/exceptions
  • Catering above 25% on / off premises can be reviewed and exceptions can be considered
  • Limited delivery according to establishment

WHAT SETS US APART?

  • A.M. Best A-Rated
  • Admitted in all states

CONTACT

Ian Sterling
(516) 719-8809
isterling@boltonst.com

Debbie McLaughlin
(516) 773-8613
dmclaughlin@boltonst.com

Family Entertainment Centers

WHAT IS BOLTON STREET FUN CENTERS?
Bolton Street Fun Centers has been a specialty source for property / liability coverage for over 20 years. The focus of this program is small to medium size location-based family entertainment centers, bowling alleys, ice skating rinks, roller skating rinks, miniature golf, batting cages, go-kart facilities, outdoor driving ranges, movie theaters, ride simulators, escape rooms, indoor laser tag, and arcades for building, personal property, and busines income. All mobile equipment can be included under our Inland Marine Coverage, such as inflatable rides, concessions, bumper cars, and go-karts.

WHAT PRODUCTS DO WE OFFER?
General Liability Options:

  • $1M/$2M in limits
  • Hired/Non-Owned Auto
  • Abuse and Molestation
  • Liquor Liability limits of $1M/$1M
  • Assault and Battery offered with a sub-limit
  • Cyber coverages available upon request

Property Options:

  • Property up to $5M in TIV
  • Inland Marine options available
  • Business Interruption
  • Crime

Accidental Death & Dismemberment (AD&D) Options:

  • $10,000 and $25,000 limit options
  • Coverage is offered for on-site as well as off site for rental equipment

TARGETED CLASSES:

  • Bowling Alleys
  • Ice Skating Rinks
  • Roller Skating Rinks
  • Miniature Golf
  • Batting Cages
  • Go-Kart Facilities
  • Outdoor Driving Ranges
  • Ride Simulators
  • Escape Rooms
  • Indoor Laser Tag
  • Arcades
  • And MORE!

CONTACT

Jeremy Sterling
516-719-8792
jsterling@boltonst.com
 
Ian Sterling 
516-719-8809
isterling@boltonst.com

Environmental

WHAT IS BOLTON STREET ENVIRONMENTAL?

  • Bolton Street Environmental is a pre-negotiated pollution insurance program by SterlingRisk Environmental Services for clients who own or manage residential and commerical real estate to address environmental exposure.
  • Environmental insurance for new conditions and exposures at a low cost and a comprehensive manuscript policy that is avalable on admitted basis in NY, NJ, certain clients domiciled in PA, various western states, and on surplus lines basis in other states.
  • Policy issued to each insured with its own per incident and aggregate limits of insurance.

WHY DO I NEED BOLTON STREET ENVIRONMENTAL?

  • General liability and property policies exclude pollution claims.
  • Affordable alternative to self-insuring.
  • The program includes unique coordination of emergency response and environmental services, including environmental engineers, consultants, contractors, attorneys, public relations firms, insurance brokers, and claims experts.
  • The pre-negotiated Bolton Street Environmental Program offering provides coverage for:
    • Fungi, lead-based paint, and asbestos, as well as complimentary associated management plans. 
    • Contamination that migrates onto your property or from your property.
    • First party and third party clean-up costs.
    • Claims alleging bodily injury, including attendant medical monitoring or property damage.
    • Emergency response costs for the immediate mobilization of environmental professionals, along with 24/7 incident reporting via phone, web, or mobile device.
    • Disposal of waste at regulated facilities when generated on your property.
    • Business interruption loss for rental income, relocation, mitigation, net profits, and payroll.
    • Legal defense costs and expenses.

WHAT ARE OUR BOLTON STREET ENVIRONMENTAL PROGRAM LIMITS?

  • Economical rates for $500K/$500K, $1M/$1M, $1M/$2M, and $1M/$3M per policy and significant multi-property discounts will be applied.
  • $25,000 self-insured retention (SIR) for most covered conditions.
  • $50,000 SIR will apply to conditions invloving fungi, lead- based paint, and asbestos.

BOLTON STREET ENVIRONMENTAL PROGRAM COMMON EXPOSURE EXAMPLES

  • On-site oil spills resulting from pipe break or the misdelivery of heating oil.
  • Migration of solvents onto your property from off-site current and former dry cleaners.
  • Release of contaminants resulting from a natural disaster, such as a hurricane, flood, or windstorm.
  • Off-site pollution incidents at non-owned waste disposal facilities which seek to impose liability on generators indentified from a waste manifest as potentially responsible parties.
  • Personal injury claims from exposure to pollutants, such as asbestos, lead-based paint, fungi, legionella pneumophilia, or indoor air irritants resulting in sick buildings.
  • Medical monitoring claims by tenants and other third parties alleging fear of illness and emotional distress.
  • Migration of petroleum onto your property from current and former gas stations.
  • Release of chemicals by tenants or their guests, including on-site “meth labs.”
  • Migration of pollutants onto your property from current and former manufacturing.
  • Pollution conditions associated with the illicit abandonment of substances by others at your property or during transportation by your vendors.

Note: Courts have repeatedly found that general liability and property policies with pollution exclusions do not cover: acid, adhesive, ammonia, arsenic, asbestos, benzene, brine, carbon monoxide, caulk fumes, carpet glue, chlorine, chromium, cooking oil, contaminated drinking water, DT, diesel fumes, dioxins, dust, fertilizer, foundry sand, fuel and gasoline, heating oil, hydrogen sulfide gas, lead, manganese, manure, mercury, methane gas, methyl parathion, methyl chloride, microbial allergens, mold, nitrogen dioxide, PCE, PCBs, pesticides, phenol gas, PVC dust, low level radiological waste, saltwater, sealant fumes, sediments, sewage, silica dust, smoke, water contamination and welding fumes.

WHO ARE OUR CARRIERS?
Program is a joint effort between SterlingRisk Environmental Services and a world-renowned, A.M. Best “A+XV” rated insurance carrier with many years of experience in the environmental insurance market.

CONTACT

Howard Tollin 
516-773-8718
htollin@sterlingrisk.com
 
Katrina Wu 
516-773-8620
kwu@boltonst.com

Cyber Solutions

WHAT IS BOLTON STREET CYBER SOLUTIONS?
Bolton Street Programs is partnering with Elpha Secure to provide risk management and insurance for the cyber industry. Together, we are geared towards helping with cyber underwriting and cyber risk mitigation, and educating employees about cyber risk to help minimize the risk of a cyber-attack.

WHO WE PROTECT

  • Any business with a cyber exposure is eligible for a quick risk assessment, educational tools, and a potential quote
  • Risks with cyber claim history
  • Ineligible Classes: Hemp industry

WHY BOLTON STREET CYBER SOLUTIONS?

  • Can offer up to $10m in limits
  • Easy to use risk assessment and risk mitigation tools
  • Competitive Cyber Quotes
  • Comprehensive coverage superior to what is available in the current marketplace

WHAT SETS US APART?

  • A+ (Excellent) by A.M. Best.
  • Instant Quote
  • Competitive Pricing
  • Dedicated Underwriting Cyber Specialists

COVERAGE HIGHLIGHTS

  • Unauthorized Access
  • Theft
  • Destruction of Data
  • Transmission of Malicious Code
  • Cyber Extortion
  • Business Interruption

WHO IS ELPHA SECURE?
Elpha Secure was founded by a PhD in Cybersecurity and an experienced global insurance investor. Combined, they apply their knowledge and expertise founded on years of research in the cyber industry to provide cutting edge technology and risk management tools.

ELPHAWARE
Elpha Secure’s core product provides easily installed software. Elphaware is comprised of a complete suite of tools and comprehensive security, shielding your business from sophisticated cyber threats.

EASY TO USE ONLINE APP:  https://www.boltonst.com/bsp-cyber/questionnaire

CONTACTS

Kristen Freda
516-719-8760
kfreda@boltonst.com

Debbie McLaughlin
516-773-8613
dmclaughlin@boltonst.com

Architects and Engineers Professional Liability

WHAT IS BOLTON STREET ARCHITECTS & ENGINEERS?
Bolton Street Programs has broad coverage for architects, engineers, land surveyors and design consultants. We review each account and align professional liability coverage to meet the specific needs of our insureds. Because of our experience and relationships with leading insurance providers in the U.S. and London we are able to find a comprehensive solution for clients’ unique coverage needs at a competitive price.

WHO WE PROTECT

  • Firms with billings up to $25 Million
  • Architectural firms
  • Landscape architects
  • Civil engineers
  • Surveyors
  • Mechanical engineers
  • Structural engineers
  • Electrical engineers
  • Interior designers
  • Technical design consultants

WHY BOLTON STREET ARCHITECTS & ENGINEERS?

  • True worldwide coverage
  • Premium credits for professional association membership
  • Contractos pollution liability extension
  • Pre-claim assistance

WHAT SETS US APART?

  • Flexible, Non-Admitted and Admitted coverage availability
  • A.M. Best Ratings of A — Excellent
  • Underwriting flexibility and innovation
  • Risk management services — newsletters, webinars, insurability review of contractual clauses
  • Proactive claims management through experienced professionals
  • Service oriented, knowledgable underwriters
  • Innovative web portal with simplified application intake functionality

CONTACT

Debbie McLaughlin 
516-773-8613
dmclaughlin@boltonst.com

Ian Sterling 
516-719-8809
isterling@boltonst.com

Musical and Entertainment - Instruments and Equipment (MUSICPRO)

MUSICPRO- If music is your passion, protect what matters. Worldwide coverage for all your instruments and equipment. Our program is specialized to handle the unique needs of all musicians.

Your gear is automatically covered where ever it is located, anywhere in the world. The policy is an “All-Risk” policy. Unintentional damage caused by anything that is not specifically excluded will be covered. Theft, accidental breakage, fire, lighting, vandalism, damage caused by vehicles or aircraft, windstorm, water or flood damage are all covered perils. Even earthquake in California.

Contact
Laura Donelan
516-773-5673
ldonelan@sterlingrisk.com

Entertainment Professionals & Services

WHAT IS BOLTON STREET ENTERTAINMENT?
For over 20 years, the expert team at Bolton Street Programs has been dedicated to protecting the type of property that is unique to the world of entertainment and entertainment services.

WHO WE PROTECT

  • Production Companies
  • Videographers
  • Bands
  • Digital Imaging Techs
  • Sound Engineers
  • Broadcasters
  • Dance Troupes
  • Recording Studios
  • Photographers
  • Lighting Engineers
  • Theatre Groups
  • Film Producers

 
WHY BOLTON STREET ENTERTAINMENT?

  • Worldwide coverage
  • Replacement cost coverage
  • Borrowed or rented equipment
  • Newly acquired property
  • Loss of income
  • No exclusions or limitations regarding theft from a vehicle or trailer

WHAT SETS US APART?

  • Knowledge and experience
  • Affordability and options — receive a commission
  • Quick quote option for estimates on higher values
  • Deductible options available
  • Convenience and ease
  • 24/7 self service options
  • Apply and pay online
  • Customer service — We are there for you through our licensed customer service representatives

CONTACT

Laura Donelan
516-773-8673
ldonelan@sterlingrisk.com
 
Debbie McLaughlin 
516-773-8613
dmclaughlin@boltonst.com

Jewelry Insurance Repair and Replace (GEMSAFE)

GEMSAFE Jewelry Insurance provides your clients with insurance that stands alone, and provides repair and replace coverage.

The GEMSAFE coverage protects your financial investment from the moment of purchase. With an appraisal or bill of sale, complete protection for your jewelry is simple and affordable. You can be protected before you leave the store.

URL: http://www.gemsafe.com

Social Services Liability

Bolton Street Programs has broad coverage for community centers, including Jewish Community Centers (JCCs) and Federations, YMCAs, Temples, Churches, and Mosques, giving you peace of mind so you can focus on the needs of your local community. We offer many coverages and a dedicated staff ready to support your organization.

COVERAGES

  • Limit of Liability — Up to $10,000,000 per occurrence
  • Sexual Abuse & Molestation — $2,000,000
  • Retention — $10,000

EXTENSIONS

  • Limit per location — follow form underlying policies
  • Sexual Abuse sublimit — follow form underlying policies
  • Follow form:
    • Professional Liability 
    • Sexual Abuse / Molestation
    • Directors and Officers (D&O)
    • Employee Benefits Liability
    • Liquor Liability
    • Products / Completed Operations per location aggregate
    • Foreign Liability
    • Auto Liability

UNDERLYING LIMITS REQUIRED (MINIMUM BEST RATING FOR EACH CARRIER: A-VII)

  • $1,000,000 General Liability — per occurrence
  • $2,000,000 General Liability — per aggregate
  • $1,000,000 Automobile Liability
  • $1,000,000 Directors and Officers (D&O)
  • $1,000,000 Employers Liability
  • $1,000,000 Sexual Abuse / Molestation
  • $1,000,000 Professional Liability
  • $1,000,000 Employee Benefits Liability
  • $1,000,000 Foreign Liability

CONTACT

Lana Gorman
516-773-8666
lgorman@boltonst.com
 
Ian Sterling 
516-719-8809
isterling@boltonst.com

Behavioral and Mental Health Management (VAN WAGNER)

Behavioral Health Management- VAN WAGNER GROUP- Comprehensive solutions to the addiction and Counseling Fields (Individuals Program)

Professional Liability, Commercial General Liability, Abuse and Molestation, Excess Liability and Property, Auto and CYBER.

Serving the needs of the addiction treatment community for over 25 years, the program currently covers thousands of addiction professionals in all 50 states.

Our Professional Liability coverage for the mental health and addiction fields, as well as other Allied Health Professionals, is written through a leading carrier of professional liability, rated “A” .

Our Professional Liability Form is an Occurrence Form.

We can cover:

Clinical Supervisors, Addiction and Mental Health Counselors, Recovery Support Specialists, Life Coaches, Psychologists, Students, and Family, Marriage Counselors and Dual Diagnosis Facilities, Outpatient Facilities, Addiction Treatment Facilities.

Professional Liability Insurance with $1 million Each Act, Error or Omission/$3 million Aggregate- includes expenses outside limits. Additional Insured- Automatic status written contract; $25,000/$50,000 Administrative defense and HIPAA Notification Cost.

Commercial General Liability Coverage- $1 million Occurrence/ $3 million Aggregate- include coverage for those sums that the insured becomes legally obligated to pay a damages for bodily injury and property damage. Allied Health General Liability Broadening Endorsement; Abuse or Molestation Coverage- $100,000 each Act of Abuse/$100,000 Aggregate or $1,000,000 option- include expenses outside limits

Contact
Lana Gorman
800-735-1588

URL: https://www.vanwagnergroup.com/