Apogee Appetite Update: A New Year = New Updates
As we enter a new year, we’d like to provide some quick updates to our appetite. We’ve had great success last year, and we are excited to see what this year holds! If you are looking for a quote for any professional, management, or commercial lines risks on your desk, please feel free to reach out to the Apogee Team at info@apogeeinsgroup.com or give us a call at 877.337.3200.
Miscellaneous Professional Liability:
- All sizes considered starting at $350 to over $100k
- Premiums starting at $750
- $5M is the highest limit we can usually offer on underlying
- First time buyers eligible
- Access to excess markets and both admitted and non-admitted
- Instant quoting available
Real Estate Agents and Property Managers E&O:
- Environmental pollutants coverage
- Full prior acts coverage available
- Defensive outside the limit
- Duty to defend
- Internet coverage provided
- Optional Package Policy:
- Erros & Omissions
- General Liability
- Business Personal Property
Employment Practices Liability:
- Ability to write in high risks states like CA, FL & NY
- Full Prior Acts available
- Wage and Hour coverage available
- Many classes of business are eligible for same day quoting
- Third Party coverage available
- Defense inside/outside the limit options
- Instant quoting available
Home Healthcare Professional Liability:
- Minimum premium of $1,500
- Can quote PL, GL, Sexual abuse, HNOA
- Can do both skilled and non-skilled (minimum premium for non-skilled is around $750)
- Employee Theft included (higher limits available for additional premium)
- Business Personal Property (higher limits available for additional premium)
- Instant quoting available
Cyber and Technology Errors & Omissions:
- $500 for $1M minimums & $10K for $5M minimums
- 1st and 3rd party coverages including data breach, funds transfer fraud, ransomware/cyber extortion and privacy liability
- Access to admitted markets
- 24 hour quote turnaround for most basic cyber risks
Law Firms Professional Liability:
- Coverage available starting with 1 attorney with no size restrictions
- Premiums starting at $1,500
- Competitive with firms of 1-3 attorneys and able to quote much larger
Contractors Professional Liability:
- Minimum premiums ranging from $1,000 to $2,500 (depending on the carrier and coverage form)
- For commercial projects, can include Professional Liability, Faulty Workmanship, Contractor’s Pollution and Protective Indemnity coverage parts.
- Pollution/Mold coverage included
- Can offer standalone pollution coverage for a MP of $1,000.00 (can include Blanket AI and/or Scheduled AI).
- Project Specific Options available
- First dollar defense
- Most competitive in: Design/build, Remodeling, HVAC, Electrical, Mechanical, Acoustical, and audio visual, Landscaping Painting, General contractors, Artisan/Specialty Trade Contractors
Architects & Engineers Professional Liability:
- Bodily injury / property damage: Contingent coverage provided in the event someone experiences bodily injury, damage to personal property or financial loss.
- Personal injury coverage: provides libel/slander protecting during service, particularly relating to web content
- Litigation management expertise eliminates the burden of claim management
- Defense for administrative proceedings or investigations of professional misconduct
- Coverage for claims resulting from covered professional internet services
- Cyber/Security Liability
- Defense Outside the Limits
- Project Specific Coverage
- Client Specific Coverage
- Softened Hammer Clause