Program Administrators - SterlingRisk Programs

SterlingRisk Programs

Programs & Coverages: High Limit Real Estate Umbrella (CREPE), Retail and Supermarket Umbrella (SMART-U), Restaurant Umbrella (CRAFDE), Family Entertainment Centers (FECSA), Environmental Coverage for Real Estate (GREEN), New Age Cyber , Architects and Engineers Errors and Omissions, BOP, Musical and Entertainment - Instruments and Equipment (MUSICPRO), Entertainment Insurance , Jewelry Insurance Repair and Replace (GEMSAFE) , Human and Social Services, Behavioral and Mental Health Management (VAN WAGNER)

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

P516-417-5107

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Company Description

Your Program Administrator

SterlingRisk Programs is a leader in creating and administering successful affinity programs for associations and industry groups for over 25 years. We design specialized products that offer our clients the broadest protection for the most competitive price.

Our Program Administrators provide your agency with the expertise and service for our current programs countrywide:

  • Combined Real Estate Purchasing Enterprise (CREPE)- High Limit Real Estate Umbrella
  • Safety Merchants and Retail Tenants Umbrella (SMART-U)- Retail and Supermarket Umbrella
  • Coalition of Restaurants and Fine Dining Establishments (CRAFDE)– Restaurant Umbrella
  • Family Entertainment Centers (FECSA)- Property, Liability, and Accident
  • General Real Estate Environmental Enterprise (GREEN)- Environmental Coverage for Real Estate
  • Sterling New Age Cyber– Cyber Policy with ongoing monitoring software.
  • Architects and Engineers- Errors and Omissions, BOP
  • Music and Entertainment (MUSICPRO)- Instrument and Equipment
  • Sterling Select Entertainment– Equipment Insurance for Film, Sound Design, Wardrobe, and Audio Engineers 
  • Jewelry Insurance Repair and Replace (GEMSAFE)- Inland Marine, BOP
  • Human and Social Services- Professional Liability, Liability, Excess, Group accident, Management Liability, Not for Profit D&O
  • Behavioral and Mental Health Management (VAN WAGNER)- Professional Liability, Liability, Property, Cyber

Programs & Coverages

High Limit Real Estate 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, and hospitality
  • Residential condominium associations, rental and cooperative apartments, brownstones
  • Residential community associations
  • Office buildings, commercial condominiums
  • Shopping centers and strip malls, light industrial and warehouses
  • Apartment 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
  • Follow form per location aggregate
  • 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


Contacts:

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

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

Retail and Supermarket Umbrella (SMART-U)

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
     

Contacts:

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

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

Restaurant Umbrella (CRAFDE)

Coalition of Restaurants and Fine Dining Establishments (CRAFDE)- Restaurant 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 restaurants including Fine Dining, Fast Food, Fast Casual, etc
  • Liquor Sales up to 35%

Why CRAFDE?

  • 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


Contacts:

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

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

Family Entertainment Centers (FECSA)

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: $2,500

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
  • Escape Rooms

Contact
Jeremiah Sterling
516-719-8792
jsterling@sterlingrisk.com

Environmental Coverage for Real Estate (GREEN)

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:

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
Katrina Wu
516-773-8620
kwu@sterlingrisk.com

New Age Cyber

The Right Cyber Protection
SterlingRisk 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.

Program Highlights

  • Risks with a cyber claim history
  • Anyone who has a cyber risk exposure
  • $10 Million in limits
  • Competitive
  • Superior Coverage
  • Easy risk assessment and mitigation tools


Click here to get a quote

 

Contacts:

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

Debbie McLaughlin
516-773-8613
dmclaughlin@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

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 Insurance

Sterling Select Entertainment

The leisure and entertainment industry is diverse and dynamic. From high-profile entertainers and athletes to music studios, SterlingRisk has a custom risk management solution.

Not only do we have dedicated entertainment insurance professionals to help protect the business and personal assets of entertainment and sports clients, we have also created special insurance programs that provide comprehensive cost-effective coverage, including:

  • Studio Liability Insurance — This program provides general liability coverage for home and commercial studios.
  • Special Events Liability — Insurance protection for an event producer, promoter or performer from negligence claims for bodily injury or property damage from third parties.
  • Instrument & Equipment Insurance — This coverage is designed for working music professionals.

When you choose SterlingRisk, you get a partner and advisor who understands your industry, as well as your unique business challenges and how to solve them.

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

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.

Contact
Kaitlin Friedman
516-773-8624
kfriedman@sterlingrisk.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/