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
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.
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. Limits up to $45 million with A.M. “A” Rated Carriers.
WHO WE PROTECT
All habitational risks with a minimum of 250 units and no more than 3,500 units - including apartment buildings, condomimiums, cooperatives, homeowners associations, townhomes, etc.
Office buildings
Shopping centers ( < 1,000,000 sq. ft. per location )
Light industrial buildings
Ineligible Classes: Student housing, schools, assisted living, hotels and motels
WHY BOLTON STREET REAL ESTATE?
Capacity
Follow Form Auto Liability
Follow Form Not-For-Profit Habitational D&O
Limits apply separately to each member of the Risk Purchasing Group
Follow Form Mold and Lead (where applicable)
WHAT SETS US APART?
Dedicated Underwriting Specialists with over 25 years of experience
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 $50M
Competitive product offering.
Limits apply separately to each member of the Risk Purchasing Group.
Most favorable venue where allowed by state statute.
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 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 offered up to $50 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
Follow form auto liability, abuse, assault, nonintentional discrimination, and liquor
Most favorable venue where allowed by state statute
Liquor sales above 30% can be reviewed/exceptions
Catering above 25% on / off premises can be reviewed and exceptions can be considered
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
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 $250K/$250K, $500K/$500K, and $1M/$1M 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.
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
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?
Free cyber risk assessment & cyber security software included w/ purchase of coverage in the program
A+ (Excellent) by A.M. Best
Instant Quote & Competitive Pricing
Dedicated Underwriting Cyber Specialists
COVERAGE HIGHLIGHTS
Technology Replacement
Stolen & Lost Income
Reputation Damage & Loss
Impersonation of Employees by Criminals
Cyber Extortion & Ransomware
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.
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
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.
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
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.
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)
Behavioral and Mental Health Management (Van Wagner)
Human Services Insurance for Facilities
What is the Van Wagner Group?
The Van Wagner Group, a division of SterlingRisk, has been providing comprehensive insurance solutions to the mental health, addiction treament, and counseling fields for over 35 years.
Who We Protect
Recovery Residences
Drug Addiction
Alcoholism
Prescription Drug Abuse
Detoxification Services
Outpatient Facilities
Residential Treatment Programs
Co-Occurring Disorders
Counseling
Therapy
Psychologists
Certified Employee Assistance Professionals
Social Workers
And More!
What Products Do We Offer?
1. Professional Liability with a broad definition of professional service.
Covers those with specialized knowledge, not just degree professionals.
Professional liability is available for full time counselors and students, as well as a discounted rate for those working part time.
Our policy is written on an “Occurrence” form. With this coverage, it does not matter when a claim or suit is reported. The policy will respond as long as the injury or damage sustained was during the policy period.
Limits are offered at $1 million each incident / $3 million aggregate. We are able to offer higher limits to meet your facility needs and requirements.
Abuse or molestation with limits of $100,00 each act of abuse / $100,000 aggregate. Defense expense outside policy limits. We are able to offer higher limits to meet your facility needs and requirements.
Defendants reimbursement fees, depositions fees, and expenses included.
Peer review.
$25,000 / $50,000 administrative defense of HIPAA notification costs.
2. General Liability With a Broadening Endorsement.
Increased medical payments and property damage extension or coverage for damage to premises rented to you.
Personal and advertising injury included.
Additional Insured: Automatic status when required by contract (Example: landlord).
Medical expenses for first aid — administered up to $20,000 during policy period.
