2020 Products Guide

USGInsurance Services, Inc.

Our Family of Companies

Alex Tessem Producer/Broker: Commercial Lines

USG Insurance Services, Inc. 550 Main Street, Suite 270 New Brighton, MN 55112

t: 800.886.3897 d: 651.234.1916 f: 844.874.4290 c: 763.257.6929

e: atessem@usgins.com www.usgins.com

CA License #0I48788

21 Offices Across the Country

One of the

TOP 20Wholesalers

Founded

January 1st, 2001

Contact Me to Get Started Today

FA M I LYOwned &Operated

State-of-the-ArtProprietary Technology

Get Your Quotes and Account Updates Faster

Over 260Carriers

Binding Authority with 18 Carriers

Specialty DivisionsEnvironmental

Oil & GasGarage

TransportationWorkers Compensation

Surety BondsPersonal Lines

We Write in Every State

Hard-to-PlaceCommercial

Accounts

ProgramsAuto Haulers

Commercial Storage TanksEducational Institutions

Religious Institutions

Casualty

2020 Products Guide

Admitted & Non-Admitted Providers

Can Consider Accounts with Claims Frequency/High Losses

Primary & Excess Casualty

Virtually Any Classification

Emerging Risks

PropertyAny Capacity–Large Schedules

Coastal Locations

HPR/Non HPR

Multi-State Schedules

Primary & Excess Layers

Vacant Properties

Products LiabilityDiscontinued Operations

Domestic & Foreign

Product Recall

Reverse Flow

Hard to Place including:

• Chemicals

• Food/Pharmaceutical

• Medical

• Toys/Sporting Gear

ProfessionalArchitects & Engineers

Cyber Liability/Data Breach

Directors & Officers

Errors & Omissions

EPLI

Lawyers Professional

Medical Mal/Allied Med

Misc. Professional

PackagesLarge Complex Accounts

Layering for Higher Limits

Custom Programs and Packages

Consulting on Risk Management Solutions/Portals

Liquor LiabilityCan Include Assault & Battery

Monoline or Packages with Liquor

AviationAirport/Heliport Liability

Flight Schools

Pleasure Business Aircraft

UAV/Drones

Inland Marine

Excess & Umbrella

Animal Mortality

Builders Risk

Contractors Equipment

Dealers Open Lot

Equipment Schedules

Fine Art Floaters

Any Limit/Attachment Point

Excess Casualty, Liquor, Professional, Property, Auto, Comp

Layering/High Limits

Garage Keepers Legal Liability

Jewelers Block

Motor Truck Cargo

Pawnbrokers

Riggers Liability

Warehousemen’s Legal

Active Assailant

Cannabis

Cyber Liability/Data Breach

USG is always finding new ways to service your emerging risk accounts. Visit our website to learn about the latest products we have available.

Drones

E-Cigarette/Vape Stores

Farm & Ranch

EnvironmentalAsbestos & Mold

Contractors Pollution Liability

Manufacturers & Distributors

Oil & Gas

Restoration Contractors

Site Specific Pollution

Storage Tanks: AST’s/UST’s

Ocean MarineBoat Dealers

Charterers Legal Liability

Hull

Marinas

Ocean Cargo

P&I

Piers & Docks

Risk

Ship Repairers/Manufacturers

Spill Responders

Vessel Pollution & Builders

Wharfingers Legal Liability

Transportation

Auto Liability

Hired/Non-Owned Auto

Motor Truck Cargo

(varies by state)

Physical Damage

Scheduled Auto

Truckers Liability

SpecialtiesContractors

Habitational

Hospitality

Architects & Engineers

Artisan Contractors

Commercial/Residential GC’s

Crane Operation/Rental

Apartments/Condos

Dwellings

HOA’s/Condo Associations

Bars/Taverns

Convenience Stores

Gentlemen’s Clubs

Restoration Contractors

Roofers

Sprinkler Contractors

Wrap-Up’s/Re-Wraps

Rental Properties

Student Housing

Subsidized Housing

Hotels/Motels

Nightclubs

Restaurants

Fine Arts/Equipment

Haunted Houses

Liquor Liability

Special Events

GarageDealers/Non-Dealers

Dealers Open Lot

Garagekeepers Legal Liability

Garage Liability

Parking Garages/Lots

Repair/Service Stations

Towing

Valet Services

On or Off Premises

Temporary Workers

Volunteers

Manufacturers/DistributorsAuto Parts

Chemicals

Cosmetics/Spa

Food/Beverage

Hazardous Products

Importers/Exporters

Industrial

Medical Equipment

Nutraceutical/Herbal

Parts/Machinery

Plastics/Metals

Sporting Goods/Equipment

Toys/Child Clothing

MGA Markets (varies by state)AmTrust

ARCH

Atlantic Casualty

Century Surety

General Star

Guard

Hallmark (TGA)

IAT: Acceptance/Wilshire

IFG/Burlington

Lloyd’s

Markel

MunichRe

National General

Northfield

United Fire Group

USLI

Westchester, A Chubb Company

Western World

Medical/HealthcareAssisted Living Facilities

Correctional Care

Counseling/Psychologists

Emergency & Non-Emergency

Hospitals/Clinics

Imaging Centers

Medical Equipment

Medical Malpractice

Pharmaceutical Products

Pharmacists/Pharmacies

Residential Care Specialists

Transportation

Earthquake

Flood: Primary & Excess

Subsidence

DIC/FloodWind Deductible Buyback

Wind: Primary

Engineers & Consultants

Exploration & Production

Fuel Haulers/Distributors

Fuel Refineries/Oil Riggs

Energy/Oil & GasGas Stations

Oil Jobbers

Transportation

Utility Companies

Allied MedicalTargeted Classes Include:

Features:

• AIDSFoundation&Organizations• Alternative&ComplementaryMedicine

• Ambulance:Air,Ground,PatientTransport

• BehavioralHealth• BloodBanks• ClinicalLaboratories• ClinicalTrials/ResearchOrganizations

• ContractResearchOrganizations• CordBlood&StemCellBanking• Correctional/PrisonMedicine• Counseling/PsychologicalServices

• DevelopmentallyDisabledGroup Homes

• DiagnosticLaboratories• Dialysis/Hemodialysis/Nephrology• Drug/AlcoholAbuseRehabilitation• DrugTesting

Coverages:• Casualty• Property• MedicalMalpractice• EPLI• Umbrella/Excess

• AdmittedandNon-AdmittedCarriers• WritinginAllStates• PrimaryandExcessCoverageAvailable

www.usgins.com

• HealthcareStaffing• HomeHealth• Hospice(Inpatient&Outpatient)• HumanitarianMedicalRelief• “MASH”Units• Medi-spas• Neutriceutical/NutritionalProducts&Supplements

• OccupationalHealthcare• OrganProcurement• PathologyLaboratories• PsychiatricFacilities(Inpatient&Outpatient)• PublicHealthcareServices• Radiation/Oncology• ReferenceLaboratories• RehabilitationFacilities(Inpatient&Outpatient)

• Research&Foundations• SleepDisorder&ApneaClinics• SocialServiceAgencies• TissueBankProcurement&Processing

Energy, Oil & Gas, and Mining

Coverages Available:

Features:

Targeted Classes Include:

• GeneralLiability• Property• Auto• Contractors’Equipment• InlandMarine• OceanMarine

• $1000MinimumPremium• Occurence&ClaimsMade

AnchorSettingandCementingCalibration/ReadingCleaningorSwabbingCoal,Gems,Stone,Rock,&GravelMiningEngineersandConsultantsEquipmentRentals/SalesExploration&ProductionHazmatTransportationLeaseOperatorsofWellsLeaseWorkConstruction&RoustaboutOperationsManufacturers&DistributorsOilorGasWellInstrumentLogging

www.usgins.com

OilorGasWellPerforatingOil/GasRigorDerrickErectingorDismantling

OnshoreEngineering/ConstructionPipelineConstruction/DealersPowerGenerationPumpjackRepair/ServicingSitePreparationUndergroundResources/EquipmentUtilityCompaniesWelders,Pumpers,andTendersWellDrillers/Servicing

• Pollution/Environmental• UST‘s/AST’s• “Wet”Endorsements:“InRem,”GulfofMexico,&Non-OwnedWatercraft

• Workers’Compensation• Umbrella

• PrimaryLimitsupto$5Million• ExcessLimitsareVirtuallyUnlimited

Manufacturers/Distributors

Targeted Classes Include:

Features:

Available Coverages:

• AutomotiveParts• Chemicals• Children’sToys• Clothing• Cosmetics• Food&Consumables

• ProductsLiability• ProductRecall• DiscontinuedOperations• ReverseFlow• ExcessProductLiability• Casualty:Primary&Excess• Property

• WorkersCompensation• Professional:E&O,D&O,andEPLI• FoodBornIllnesses• TradeName• ContaminatedProducts:ACI,MPT,andProductExtortion

• Cross-Border

• Domestic&ForeignProducts• Start-ups,NewVenture,orClinicalTrial/TestEnvironment• A.M.BestARatedCarriers• InternationalExposuresIncluding:

» SaleofProductsWhereForeignSuitsMayOccur» GoodsinTransittoorfromOtherCountries» Rental/OwnershipofAutomobilesAbroad» TradeFairsandExhibitions,IncludingTravelwithSamples» Offices,Service/RepairorManufacturingFacilitiesAbroad» ForeignVoluntaryWorkersCompensation» Kidnap/RansomInsurance

www.usgins.com

• MedicalDevices• Nutraceutical• PetProducts• Pharmaceutical• SportingGoods• Suppliers&Components

Specializing in hard-to-place products, domestic and foreign.

Drone Insurance Solutions

Coverages Available:

Targeted Classes Include:

• Casualty• Property• Product Liability

• Remotely or Autonomously Piloted• Aerial Filming & Videography• Construction • Property Inspections & Real Estate• Line Inspections • Agricultural Applications• Aerial Commercial Photography • Crop Dusting• Border Surveillance• Pipe/Power Line Surveillance• Suspect Tracking• Monitoring• Communications/Broadcast• Disaster Response/Relief• Movie Production• Damage Assessment

www.usgins.com

• Aerial News Coverage• Atmospheric/Weather Research• Mail/Freight Transport• Critical Infrastructure Monitoring• Flood Mapping• Damage Surveying• Real Estate Mapping• Mining• Sporting Events Coverage• Wildlife Monitoring• Investigations• Building Envelope Investigations• Locating Individuals• Fire & Explosion Investigations• Underwriting Surveys

• Inland Marine• Personal & Advertising Injury

Features:• Writing in all states• Minimum Premiums Starting at $1,250• Limits up to $1,000,000• Terms & Conditions Can Be Customized

Based on Client Needs

• Optional Coverage for Hijacking or any Unlawful Seizure or Wrongful Exercise of Control by Means of

• Non-Pilot & On-Ground Crew Members Can Be Listed as Insureds

Asbestos & Mold

Contractors Pollution Liability

Manufacturers & Distributors

• Chemical Products

• Paints and Coatings

• Oils and Lubricants

Oil & Gas• Coal, Gems, Stone, Rock, &

Gravel Mining

• Hazmat Transportation

• Site Preparation

Restoration Contractors• Emergency Response

Contractor

Environmental

Personal LinesBoat & Yacht

• Captain & Crew Liability

• High Speed/Performance Boats

Classic/Collector/Exotic Vehicle• Antique & Classic Cars

• Antique Trailers

• Classic Military Vehicles

• Spare Parts Coverage

Earthquake• Can Cover Swimming Pools,

Hot Tubs

• Can Cover Chimneys

• Older, Unbolted Homes

Flood• Residential Properties

2020 Products Guide

Workers CompHazardous Comp

• Street/Tank Cleaning

• Garbage Collection

• Rigging

Large Workers Comp

Staffing Workers Comp

Standard Comp

• Artisan Contractors

• Attorneys

• Tug Boats

USL&H

• Master & Crew

• Supply Boats

• Tug Boats

Surety BondsCourt Bonds

• Attachment and Release

• Injunction

Fidelity

• Commercial Crimes

• Business Services

Financial Guarantee

• Sales Taxes

• Lotteries/Game of Chance

Licenses & Permit

• Auto Dealers

• Mortgage Brokers

Public Office

• Notaries

• Tax Collectors

Miscellaneous

• Patient Fraud

• Immigration Consultant

Divisions• Renovations/Remodeling

• Fire Damage Restoration

• Water Damage Restoration

Site Specific Pollution

Storage Tanks: AST’s/UST’s

• Airports

• Auto Dealerships

• Manufacturing Plants

• Petroleum & Motor Fuel Distribution Facilities

• High Value Homes

• Apartments

• Condos

• Single Family Homes

• 1-4 Rental Units

High Value Homeowners• Rental Units

• Coastal

• Vacant Homes

Home Based Business• Accounting and Paralegal

• Advertising/PR Agencies

• Bakeries

• Barber Beautician

• Bookkeeping Service

• Candle Sales

• Coaching Service

• Computer Repair and Sales

• Crafts

• Florists

• Graphic Artist/Designer

• Interior Decorating

• Personal Fitness Trainer

• Photographers

• Real Estate Agent

• Tax Preparer

• Teachers/Tutors

• Wedding/Party Planner

• Writer/Author

Homeowners/Dwelling Fire• Older Homes over 99 Years

• Homes with Prior Losses

• Homes in Protection 10

• Homes in Brush/Fire Hazard Areas

Personal Umbrella• Insurance Liability

• Volunteer Activities

• Rental or Vacation Properties

Vacant Homes• 2 Million in House Capacity

• Virtually Unlimited Brokerage Capacity

• Residential Properties

USG has the pen for several exclusive or limited programs that include the following:

National Programs

USG can also build custom programs and portals for retail agents or associations for homogeneous classes of business, the procedure for initial consideration of a program is a simple two page questionnaire.

Custom Programs

Auto Haulers Commercial Storage Tanks Educational Institutions Religious Institutions

www.aauins.com

Educational Institutions Program

Coverages Available:

Features:

Targeted Classes Include:

• Casualty• Property• BusinessPersonalProperty• PropertyIn-Transit• EquipmentBreakdown• BuildersRisk• Hired&Non-OwnedAuto• SexualMisconduct• EducatorsLegalLiability• CounselingLiability• DirectorsandOfficersLiability

• NoMinimumPremiumsorMaximumPopertyLimits• LimitsUpTo$1,000,000/$5,000,000• SexualMisconductLegalFeesOutsideoftheLimit

• Preschools• Daycares• EarlyChildhood• Before/AfterSchoolPrograms• SummerPrograms• PublicUniversities• Seminaries• SpecialEducationInstitutions

• EmploymentPracticesLiability• DataBreach/CyberLiability• Crime/Fidelity• ViolentIncidents• MedicalPayments• InlandMarine• AppurtenantStructures• PollutionClean-Up• Flood• WorkersCompensation• Umbrella/Excess

• ClericalSchools• BibleSchools• CharterSchools• LanguageSchools• HeadStartCenters• AlumniAssociations• LeadershipDevelopment• Scholarship/FinancialAidFundRaising

We are pleased to announce our “A” rated admitted program is available in all states, except for IN, TX, FL, and LA.*

AAU is a division of USG Insurance Services, Inc.

NEW Commercial Storage Tanks Program

Coverages Available:

Features:

Targeted Classes Include:

• Pollution/Environmental• USTs/ASTsPhysicalDamage• Clean-UporCorrectiveActionCosts• RemediationCosts• Casualty

• MinimumPremiumsStartingat$350• LimitsUpto$5,000,000,EqualDefenseLimitsSeparate• DeductiblesStartingat$5,000• CombinedUST/ASTPolicyAvaliablewithDedicatedLimits• AdmittedinMostStates• 10YearRetroactiveDateAvailable(MAPolicyInception:FL2010)• Tanksupto30YearsOldCommericalUseOnly,NoPersonalTanks• OlderTanksmaybeConsideredwithAdditionalUnderwriting

• Airports• AutoDealerships• Commercial/IndustrialFacilities• ConvenienceStores• Garages/RepairShops• Hospitals/MedicalFacilities• GeneratorswithTankSupport

• Property• Third-PartyBodilyInjury&PropertyDamage• BusinessInterruption• DefenseCoverage• NationalResourceDamage

• ManufacturingPlants• Municipalities• Petroleum&MotorFuelDistribution• Schools,Colleges,Universities• Gas&ServiceStations• Marinas

www.aauins.com

Including above and underground storage tanks, with an A++ rated carrier.

AAU is a division of USG Insurance Services, Inc.

NEW Churches and Religious Institutions Program

Coverages Available:• Casualty• Property• BuildersRisk• BusinessAutoincluding15-PassengerVansandBuses

• Hired&Non-OwnedAuto• SexualMisconduct• Crime• MedicalforDaycare&SchoolStudents• PastoralCounselingLiability• CorporalPunishment• Directors&OfficersLiability• Minister’sPersonalProperty/BusinessPersonalPropertyIncludingPropertyofOthers

• PropertyOffPremises&InTransit• SpiritualCounseling

Features:

www.aauins.com

Targeted Classes Include:Broad range of religious institutions are eligible, including affiliated ministries and activites:

• Churches,Synagogues,Temples,Convents, Monasteries,andOtherHousesofWorship• DwellingsOwnedbytheChurch• Start-UpsWithoutPriorCoverage• BuildingsontheHistoricalRegister

We are pleased to announce our “A” rated admitted program available in all states, except for TX, FL, and LA.*

• NoMinimumPremiumsorMaximumPropertyLimits

• Casualtylimitsupto$1,000,000/$5,000,000• SexualMisconductLegalFeesOutsidetheLimit

• Convenienceofplacingallcoverageswithonecarrier

• EmploymentPracticesLiability• EmployeeBenefitsLiability• CyberLiability• BusinessIncome&ExtraExpense• EquipmentBreakdown• InlandMarine• FineArts• AppurtenantBuildings• BuildingOrdinanceorLaw• AccountsReceivable• ValuablePapers• KeyPersonReplacement• Flood• WorkersCompensation• Umbrella/Excess

• Athletic&SportsActivites Camps,Retreats,Childcare,Cowboy Churches,ReligiousShrines,SchoolOperations

• DenominationHeadquarters,Association Offices,andReligiousOrganizations

• Value-AddedServicesforinsuredssuchasemployee/volunteerbackgroundscreeningdiscounts,solutionsforgrouptravel,specializedchurchconstructionservices,churchproductdiscounts,andriskmanagementresources.

AAU is a division of USG Insurance Services, Inc.AAU is a division of USG Insurance Services, Inc. www.aauins.com

Auto Haulers Program

Coverages Available:

• AutoPhysicalDamage

• Cargo

Program Highlights:

• AvailableinAllStates

• DeductiblesStartingat$2,500

• CanConsiderNewVentures

• Upto$500,000inCargoLimitsPerUnit

• NewCarValuationEndorsementIncludesWordingthatComplieswithMostMajorU.S.AutoShippers

This is an exclusive program targeting Truckers Hauling Autos for Hire (New + Used Autos). It is for truckers going to auctions from dealerships, vice versa, & from manufacturer to dealership.

Agency Name

Agency Website

Phone Number

INS LINK: Web Portal

Online QuotingFlood Program: Get instant quotes from up to 5 markets for primary, secondary, or tenant occupied single family residences or commercial structures. This program is available in 32 states and expanding!

Westchester: Quote hundreds of A++ Specialty Commercial Products, Liquor and Professional/Management Liability classifications. Products are available in most states. Retail agents with an INS LINK username and password are automatically enrolled to use this system.

USLI: This system provides online quoting for over 30 classes of business and is available in all states except for Louisiana and West Virginia. Retail agents that sign up for a username and password with USG are automatically enrolled to quote online with this system.

Hiscox Now: Quote 100+ professions in minutes. Monoline Professional, Casualty, and Package coverage for small businesses (up to $5M in revenue) available in all states except Alaska. Retail agents with an INS LINK username and password are automatically enrolled to use this system.

AUGold: This online platform provides indications for Vacant Property, Builder’s Renovation, Course of Construction, Vacant Land, Special Events, and more in select states. Pre-approval is required to begin using this platform; if you would like to apply for an appointment, please contact INSLINK@usgins.com.

Other ServicesOur new INS LINK Customer Site features several new agent tools including:

Personalized Widgets and Home PageUpon login, your agency name will appear, as well as a chart of your quotes, bound accounts, upcoming renewals, and your USG team. You will be able to customize your home page and create shortcuts to your favorite content.

Available Now• Accounting: View invoices and make payments.• My Submissions: View your submission list with

updates on the status of your accounts, quote details, upload additional information and more. You can also clear business directly to your USG Producer/Broker.

• User Profile: Change your personal information or administrators can update agency users.

• Applications: View, print, download, or e-mail applications.

• Marketing: Create co-branded pieces.

Coming Soon• Expanded Online Quoting: USG Trading Floor and

Easy Rater.• My Submissions: Complete property summaries.• Policy Maintenance: Issue certificates, download

policies, request loss runs, and more.• Resources: Access our glossary, E&S filings/State

affidavits, and templates.• Training: INS LINK training videos, Intro to E&S,

request/sign up for webinars and CE.

www.usginslink.com

Hit List: National Brokerage

Land Bank and Development Authority

Vacant Building

Food Wholesale Distributor For Gas Stations

Economic Development Agency

Motor Freight Transportation

Roller Skating Rink Operation

Oilfield Trucker

Oil & Gas Tool Manufacturer

Distributor of Household and Vehicle Items

Apartment Building

Medical Credential Verification Organization

Public Safety Office

Resort & Spa

Architectural Engineering

Class III Short-Line Railroad

Caterer

Roofing Contractor

Manuf/Dist of Sports Team Equipment

Personal Jet and Helicopter

Transport Company

Plumbing and Heating Contractors

Dialysis Center

Convenience Food Stores w/Gas Sales

Valet Parking

Gardening Products Retailer

Personal Care Facility

On-Site Auto Prevent and Re-active Maint Service

Framing Contractor

Family Owned Commercial Tree Service

Electronic Cigarette Distributor

Water Waste Management

Real Estate Investment & Management Group

For Profit Directors & Officers

Property

Excess Liability

Contractors Pollution Liability

Excess Auto Liability

Package

Excess Liability

Property

Casualty

Casualty

EPLI

Casualty

Property: All Risks

Architects & Engineers

Excess Liability

Umbrella

Casualty

Casualty & Excess Liability

Aviation

Auto Liability

Casualty

Professional

Package Including Liquor

Garage Liability

Casualty

Package

Auto Liability

Casualty

Workers Compensation

Casualty

Environmental

Casualty

IL

MD

MD

LA

IL

MN

OK

TX

NY

NY

CA

IL

CA

OR

TX

LA

TX

PA

TX

PA

NY

WV

Multistate

FL

CA

WV

TX

WA

CA

CO

OH

NY

$5,750

$32,500

$10,073

$10,793

$25,000

$13,490

$15,000

$24,783

$11,756

$30,673

$7,936

$46,800

$190,000

$111,510

$149,590

$163,501

$201,250

$179,200

$67,661

$190,664

$175,000

$212,907

$225,937

$18,940

$281,982

$285,179

$300,707

$10,048

$4,709,670

$16,200

$229,601

$555 ,478

Description Coverage State Premium

Meet Our Family of Companies

USG Insurance Services, Inc. is a national wholesaler providing solutions for all lines of commercial coverage. USG works with over 260 “A” rated Admitted and Non-Admitted brokerage markets and is an MGA for 18 of the top carriers.

BFS Inspection Services provides commercial P & C inspection, audit, and risk management services to carriers, wholesalers/MGA’s, program managers/MGU’s and other insurance industry customers. We offer customizable solutions unique for your needs to create a complete underwriting picture, including platforms and reports.

Into Innovations is a full service marketing and advertising firm that works exclusively with intangible products, specializing in insurance and financial services.

Allied American Underwriters (AAU) is a program manager that offers programs for commercial lines to USG retail agents and other distribution channels i.e.: wholesale and direct. There are five divisions: Environmental, Personal Lines, Programs, Surety Bonds, and Workers Compensation.

Brokers Financial Services, Inc. (BFS) provides commercial insurance premium financing for both USG agents and non-USG agents.

USG Insurance Services, Inc.

BFS Inspection Services, Inc. Into Innovations

AAU Insurance Services Brokers Financial Serviceswww.usgins.com

www.bfsinspectionservices.com www.intoinnovations.com

www.aauins.com www.brokfinsvc.com

Aureatewww.aureatetech.com

Aureate Technology Solutions is an information technology company providing software solutions and expertise to businesses who face operational and management challenges. We work with businesses in various industries to assist with software systems, integrations, and more.

Our Family of Companies

USG Marketing Team

1000 Town Center Way, Suite 300 • Canonsburg, PA 15317800.886.3897 | 724.754.9100 | www.usgins.com

CA License #0I48788

Providing Innovative Solutions