High Limit Umbrella (CREPE)

Combined Real Estate Purchasing Enterprise (CREPE) - High Limit Umbrella up to $200 million

Who Can we Protect?

• Broad lessor’s risk eligibility: habitational, commercial, hospitality and leisure risks
• Residential condominium associations, rental and cooperative apartments, brownstones
• Residential community associations
• Office buildings, commercial condominiums
• Shopping centers and strip malls, light industrial and warehouses
• Hotels, motels, casinos, resorts
• Apartment Complexes
• Single Family Complexes

Why CREPE?

• Follow form non-profit Directors and Officers (D&O)
• Follow form lead/mold
• Personal excess liability availability for principals
• Follow form garage keepers legal liability
• Vacant land and single-family dwellings as part of schedule of locations
• Subsidized housing
• Follow form per location aggregate: will provide up to five times aggregate limit when primary policy is capped at a minimum of $10 million
• Experience, quick turnaround, service standards
• Competitive product offering
• Limits shall apply separately to each member of the Risk Purchasing Group

What Are Our Limits?

• Protection from $5 million up to $200 million

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Safety Merchants and Retail Tenants Umbrella

Safety Merchants and Retail Tenants Umbrella (SMART-U)- Retail Umbrella
Our unique Umbrella product offers up to $100 million in limits for retail stores and merchants.

Who Can We Protect?

• Protect a wide range of retail stores, owners, merchants and tenants
• Broad eligibility: Retail stores—free-standing or in shopping centers; restaurants; shoe stores; yogurt franchises; supermarkets; grocery, clothing, jewelry, eye vision, electronic, household goods, stationery and office supply stores.
• Ineligible classes: second-hand stores, amusement rides, auto services, pharmaceuticals, guns and ammo, infant or medical products. Note: Exceptions considered if incidental.
• Restaurants including Fine Dining, Family Franchises – Liquor Sales up to 35%

Why SMART-U?

• Limits from $10 million to $100 million
• Competitive product offering
• Personal excess liability available for principals (minimum underlined $5 million)
• Limits apply separately to each member of the risk purchasing group
• Most favorable venue endorsement
• Follow form per location aggregate
• Provide excellence in protection—dedicated program underwriting service
• Coverage for internet and international sales
• Follow form auto liability, abuse, assault, non-intentional discrimination, liquor
• Internet and International sales

Why SMART-U?

• Limits up to $100 million
• Competitive product offering
• Personal excess liability available for principals (minimum underlined $5 million)
• Limits apply separately to each member of the risk purchasing group
• Most favorable venue endorsement
• Follow form per location aggregate
• Provide excellence in protection—dedicated program underwriting service
• Coverage for internet and international sales
• Follow form auto liability, abuse, assault, non-intentional discrimination, liquor.

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Family Entertainment Centers

Family Entertainment Center Safety Association (FESCA)- The focus of this program is small to medium size location- based family entertainment centers.

Owning or operating a Family Entertainment Center is serious business. SterlingRisk is the national insurance brokerage that can help you protect it. Our Family Entertainment Center Safety Association (FECSA) Insurance Program has been providing comprehensive insurance products and solutions to the entertainment and leisure industry for over 25 years. This program provides comprehensive insurance coverage to many different types of family entertainment and related attractions, including motorized, movement, games and sport centers.

Who can we Protect:

Indoor Party Rooms designed for private parties, inflatable rides, concessions, and coin-operated rides, laser tag, bowling centers, skating rinks, bumper cars, bounce houses, miniature golf and much more.

Property; Business Income; General liability; Excess Liability; AD&D; Hire & Non- Owned Auto

Min. Premium: $3500

Underwritten by the same group of “A” rated insurance companies for the past 12 years, the program offers:

• Competitive pricing along with enhanced coverage. FECSA clients reduce their premiums an average of 25 percent.
• Low-cost accident insurance. This offsets the costs of small medical claims and the out-of-pocket medical expense under the General Liability policy’s deductible or Self-Insured Retention (SIR).
• Complete claims management and processing. Delivered from a team that is recognized among the nation’s best.
• On-site safety inspections performed by our on-staff safety engineer.
• Best of all, you can take advantage of our programs’ premium savings, increased coverages and state-of-the-art claims management while still maintaining your current broker relationship.

Our policies cover:

• Arcades
• Kiddie Rides
• Mini-Golf
• Party Rooms
• Inflatables
• Laser Tag

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General Real Estate Environmental Enterprises Net

General Real Estate Environmental Enterprises Net (GREEN) – A Proprietary program designed by Sterling Environmental services for clients who own or manage residential and commercial real estate to address environmental exposures. Environmental insurance for new exposures at the lowest cost in the marketplace and a comprehensive manuscript policy. Includes unique and innovative coordination of emergency response. Provides mold, lead, and asbestos management coverage, as well as complimentary management plans.

GREEN offers the broadest new pollution conditions coverage available from a top-rated carrier. The GREEN program provides limits of up to $1 million per insured.* Coverage is available for new pollution conditions, which result in:

• Cleanup costs for first- and third-party claims and costs associated with third-party bodily injury and property damage claims, including legal defense costs.
• Pollution liability from asbestos, lead, mold, Legionella, contaminants and waste materials (including electromagnetic fields, low-level radioactive waste, mixed waste and medical waste) for exposures during the policy period.
• “Midnight dumping” of toxic substances (illicit abandonment).
• Indoor air quality claims stemming from mold, Legionella, migrating solvents to an insured location and petroleum spread through the HVAC system.
• Third-party claims arising out of a pollution condition at a non-owned disposal site and/or in the course of transportation beyond the boundaries of the insured’s locations and/or non-owned disposal sites.
• Immediate mobilization and coordination of contractors, engineers, claims experts, attorneys, consultants and public relations firms, without written demand from a regulatory agency.
• Certified acts of terrorism and bioterrorism.
• Loss control services, including assistance with mold, lead and asbestos management plans.

Ready to Get Started?
Complete and submit an application now:

• GREEN Application (CREPE)
• GREEN Application (Non-CREPE)

Get a quote with the GREEN Quote Indicator Tool.

*$1,000,000 limit available per insured with a shared policy aggregate of $10,000,000. There is a $50,000 Self-Insured Retention for mold, lead and asbestos and a $25,000 Self-Insured Retention on all other claims.

For more information, please review our informational product sheet and Frequently Asked Questions.

Contact:
Howard Tollin, Esq.
516-773-8718
htollin@sterlingrisk.com

Frank Piccininni, Esq.
516-773-8632
fpiccininni@sterlingrisk.com

Architects and Engineers Errors and Omissions, BOP

PDI/SterlingRisk has been a national specialist in E&O for design professionals since 1980. A worldwide policy designed and tailored to cover your complicated design. Expertise in handling and meeting insurance requirements for international projects, complimentary contract review services, and loss prevention seminars.

Who can we Protect:
Architects and Engineers, Design Build Contractors, Construction and Project managers, Interior Designers, land Surveyors, Geotechnical Engineers, Environmental professionals and contractors.

What we Cover:
Broad professional service definition, worldwide coverage, Broad “Insured person” definition includes temporary or leased, as well as retired personnel, Blanket Contractual liability coverage, Contractors Pollution liability coverage, BOP program designed exclusively for design professionals. Worldwide.

Contact:
Ken McComb
317-570-6945
kmccomb@sterlingrisk.com

Terry Lee
317-570-6945
tlee@sterlingrisk.com

Human and Social Services

Our unique consultative approach meets the insurance and risk management needs of not-for-profit agencies. Our mission is to provide outstanding coverage, exceptionary service and pricing.

Who we can protect:

Large and medium size agencies such as Jewish Community Centers and YMCA’s, Religious schools, houses of worship.

Excess liability program with up to $25 million limit of liability with sexual abuse/molestation follow form.

We offer Not-for-profit Directors and Officers liability, management Liability, Professional liability covering entity, volunteers, students, clinical directors, nurse practitioners, General Liability, auto Liability, Commercial property, group Accident Medical program.

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High Value Homeowners

SterlingRisk Program’s High Value Homeowners Program was put together to cover your hard to place coastal homes. We offer HO-3 and HO-5 policy forms in New York, New Jersey, Connecticut, Florida, Massachusetts, Georgia, Rhode Island, and South Carolina. Minimum coverage A values of $1 million and higher.

Program Highlights:

• Quote and Bind online system
• No coastal restrictions. No Flood insurance or wind mitigation certificate required.
• High Property and Deductible Limits.
• Home & Family Security Coverage
• Inland Marine
• Liability Coverage up to $1M
• Primary and Secondary Coastal Locations Including Wind
• Can cover Rental Properties, Primary and Secondary Locations.
• Scheduled Property Blanket coverage up to $100,000
• Primary and Excess Flood(depending on the state)
• Mold Coverage up to $10,000
• Water Back-Up coverage up to $1,000,000
• Coverage for renovations included for additional premium
• Customizable limits for Coverage A,B,C, and D
• Corporate/LLC/Trustee – Owned properties
• Excess Liability coverage to $5,000,000
• Extended Liability for up to 25 Locations

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Supplemental Unemployment Insurance (Income Assure)

Income assure is private unemployment insurance. In the event you lose your job or get laid off and are eligible for unemployment benefits, our supplementary insurance provides cash when you need it the most.

Income Assure can help you achieve financial stability in the event you lose your job by replacing a portion of your salary in the event you lose your job. Income assure is supplemental unemployment insurance. If you lose your job, you will still receive 50% of your former salary through a combination of your state coverage and Income Assure benefits, instead of the smaller amount your state would replace alone.

Contact

URL: http://www.incomeassure.com

GEMSAFE Jewelry Insurance

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

Musical Instruments and Equipment

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.

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URL: http://www.musicpro.com

Drone Insurance

Managing Unique Risks associated with Unmanned Aircraft System- Aviation Specific Products- Physical Damage, Liability, Aviation CGL, Aviation Products, and Non- Owned Aviation Liability Designed.

Unmanned aerial vehicles (UAVS) or Drones used to be associated with military raise or unmanned spacecraft. Today, compact versions are increasly operating in everyday life and the UAV industry is fast becoming a multi-billion dollar business. However, the rise of such innovative technology also brings a number of risk and liability challenges.

Top Five UASD Markets:

1. Government
2. Agriculture
3. Industrial Inspection
4. Insurance
5. Real Estate Photography

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