apollo welcome guide - apollo general insurance | commerical … · 2017. 9. 27. · apollo general...

Apollo General Insurance Agency, Inc. Product Guide

1

Product Guide

Apollo General Insurance Agency, Inc.

PO Box 1508

Sonoma, CA 95476

www.apgen.com

Lic. # 0606980


2

Index

About Us 3

About the Program Guide 3

Contact Us 4

Our Specialty Programs

1. Demolition Contractors 5

2. Construction & Debris Recycling Contractors 7

3. Concrete Sawing & Drilling Contractors 10

Non-Program Business

1. Custom Crush Wineries 12

2. Crane & Rigging 14

3. House Tilting/Lifting 16

4. Environmental Contractors 18

5. Contractors Surety Bonds 20

6. Inland Marine 21

Associations 22


3

A Company You Can Rely On

Apollo General was formed in 1965. For over 52 years, Apollo has been a

leading firm offering commercial insurance programs and services. Today,

we have specifically designed products for Demolition, Construction & Debris

Recycling, Concrete Sawing & Drilling, Crane & Rigging, House Tilting and Moving,

and Custom Crush Wineries. Throughout the changing industry and economic

environments, we have remained a strong partner able to provide our clients

with affordable, customized and comprehensive coverage.

A Team of Industry Experienced Professionals

Ready to Serve You

Maribel Hernandez joined Apollo in 1999 and is a Senior Underwriter managing our

Construction & Debris Recycling, Concrete Sawing & Drilling, Crane & Rigging and House

Tilting & Moving programs.

Jerilee Lewis is a Senior Underwriter specializing in and managing our Demolition Program.

She has been serving Apollo clients since 2006.

Nikki Carpenter joined Apollo in 2002. Today, she runs our brokerage department handling

all “non-program” lines of business.

Sandi Hoffman joined Apollo in 2008 with over 15 years of claims-handling experience from

Kemper. Today, Sandi's is the Director of Underwriting Support.


4

Contact Us

Mailing Address: Apollo General Insurance Agency, Inc

Po Box 1508

389 Fourth Street East

Sonoma, CA 95476

Fax: (707) 996-7912

Office Phone: (707) 996-2912

E-mail and Phone Extensions:

Contact Person Contact Information

Nikki Carpenter

Brokerage Dept – Non- Program Business

and Custom Crush Winery products.

Ext. 18

[email protected]

Jerilee Lewis

Demolition Program Underwriter

Andi Cox

Underwriting Assistant

Ext. 14

[email protected]

Ext. 21

[email protected]

Maribel Hernandez

Recycling, Concrete Sawing & Drilling, Crane &

Rigging & House Tilting/Lifting Program Underwriter

Michelle Swan

Underwriting Assistant

Ext. 13

[email protected]

Ext. 26

[email protected]

Sandi Hoffman

Director of Underwriting Support

Jill Callahan

Customer Service & Certificates of Insurance

Ext. 24

[email protected]

Ext. 23

[email protected]

Bob Elster

President

Ext. 17

[email protected]

Victoria Millard

Director of Operations

Ext. 16

[email protected]

Nicole Reimers

Accounting

Ext. 15

[email protected]


5


DEMOLITION CONTRACTORS PROGRAM

“A” Rated Carrier

Occurrence Policy

Non-Admitted Paper

Eligible States - National

Operations: Residential Building Tear-Down

Commercial Building Tear-Down

Interior Building Strip-Out

Bridge Tear-Down

Ineligible: Blasting Operations

NYC Five Boroughs

Coverage: General Liability

Employee Benefits Liability

Stop Gap Available

Under Separate Policy: Excess Liability

Contractors Pollution Liability

Business Automobile Liability

Property, Equipment

Surety Bonds and More


6

DEMOLITION CONTRACTORS PROGRAM

(Continued)

General Liability Highlights: Per Job Aggregate/5 Mill Cap available

Blanket Additional Insured’s – Where Contract Required

Completed Ops/Your Work Additional Insured

Waiver of Subrogation – Where Contract Required

Primary Wording Compliance – Where Contract Required

Includes Explosion, Collapse and Underground (XC&U)

Includes Blanket Contractual

Defense Outside the Limits

Personal/Advertising Injury Includes Electronic Publication

Submission Requirements: 5 years currently valued loss runs

Narrative on any Losses in Excess of $10,000

Completed questionnaire, signed and dated

Completed ACORD Applications, signed and dated

Most Recent Financial Statements

Copy of Contracts used with Subcontractors, if applicable

Résumés and/or Statement of Qualifications on Key Personnel

Copy of Contents page of your Safety Manual

List of Last 10 Projects

Copy of Contract used when leasing employees, if

applicable

Copy of Equipment Maintenance Punch List

Signed TRIA upon binding

Submission e-mail: [email protected]

Please also include cc to

[email protected]


7


CONSTRUCTION & DEBRIS RECYCLING CONTRACTORS PROGRAM


Occurrence Policy

Non-Admitted Paper

Available in all US States Except HI, LA, OR, VT & WA

Operations: Commercial Construction & Debris Recycling Contractors

Including:

Contractors who collect, crush, shred or grind Concrete,

Asphalt, Wood & Mixed Construction Debris including

Metal & Glass

Metal Scrap Dealers

Building Material Dealers – Second Hand (Restricted to Resale

of Salvaged Bricks or Concrete Blocks

Pulp Manufacturing

Recycling Collection other than Not For Profit (Includes

Cardboard, Metal, Consumer Recyclables, Paper, Plastic,

and Asphalt Shingles)

Risks that Provide and/or Transport Containers (Bins,

Containers, Dumpsters, etc.) Commercial Customers Only

Stone Crushing / Quarries

Ineligible: Land Fill Operations (Except Construction & Debris

Land Fills)

Automobile Dismantling

Tire Shredding or Tire Dumps

Hazardous Material Recycling

Electronics Recycling (Other than serving as a Collection

Point Only)

Asphalt and/or Concrete Grinding/Crushing on Active

Roads, Highways or Airport Runways


8


(Continued)

Ineligible (Continued): Residential Collection/Pick Up

Risks whose Primary Operation is Residential Roll Off

Dumpsters and Collection Bins

NYC Five Boroughs

Risks Located or Operating in HI, LA, OR, VT & WA

Resale of items other than Building Materials



Stop Gap Available




Property, Equipment and More

Minimum Premium: $2,500

Highlights: Defense Outside Limit

Blanket Additional Insured-Completed Ops (CG 20 37 10 01)

where contract required

Waiver of Subrogation, where contract required

Primary Wording, where contract required

Blanket Contractual, where contract required

And Personal/Advertising Injury




9


(Continued)

Submission Requirements (Continued):


Completed ACORD Applications, Signed

List of all equipment to include: type, year, make, model &

value

Current Balance Sheet & Most Recent Financials

Copy of your standard rental and or work agreements

Copy of Contracts used with Subcontractors

Résumés and/or statement of Qualifications on Key Personnel

Signed TRIA upon binding

Copy of your safety manual

Copy of the Workers Compensation Mod Worksheet



[email protected]


10


CONCRETE SAWING & DRILLING CONTRACTORS PROGRAM


Occurrence Policy

Admitted Paper

Eligible States: National

Operations: Concrete Specialty Trade Contractors engaged in concrete

cutting, breaking and core drilling

Ineligible: Risks operating outside designated state approved territory

Condo, townhouse, apartment or tract home builders

Risks subcontracting more than 20% of their work

Foundation, Earthquake reinforcement or retrofitting work

Past or present use of Exterior Insulation and Finish

Systems (EFIS).

Underwater or underground work of any type.

Work in oil refineries, chemical, petrochemical or nuclear

plants.

Past or present work on landfills, dumps or any areas

designated as contaminated by any Federal, State or Local

Government Entity.

Less than 3 years operating experience



Stop Gap Available




Property, Equipment



11

CONCRETE SAWING & DRILLING CONTRACTORS PROGRAM

(Continued)


Available Highlights: Blanket Additional Insured, where contract required

Waiver of Transfer of Rights of Recovery Against Us to Others,


Primary and Noncontributory, where contract required

Per Project/Location General Aggregate ($5 million Cap)






Complete Description of Operations



[email protected]


12

Non-Program Lines of Business

Custom Crush Wineries


Occurrence Policy

Admitted Paper


Operations: Designed to assist Insurance Brokers with Custom Crush and

Virtual Winery accounts, Apollo General’s New Commercial

Package Program offers features and benefits typically afforded

to large wineries

Highlights: Selling Price Wine Valuation Coverage

Business Income & Extra Expense from Dependent Properties

Coverage

Wine Leakage & Contamination Coverage

Liquor Liability Coverage

Blanket Additional Insured for Vendors

Over 30 Key Property Coverage Extensions

Coverage available for New Ventures

Coverage: General Liability / Property Package



13

Custom Crush Program

(Continued)

Submission Requirements:

Forward Completed ACORD forms

Completed Supplemental Questionnaire

5 years currently valued loss runs

Any applicable agreements



[email protected]


14


Crane & Rigging


Occurrence Policy

Non - Admitted Paper


Operations: Small to medium sized risks engaging in the business of Crane

& Rigging with Operator only.


Water Borne operations

Tower Cranes/Cranes attached to buildings

Companies renting cranes with operations

Rental of scissor lifts or Aerial Reach Equipment

New operations



Stop Gap Available

On Hook Liability




Property, Equipment



15

Crane & Rigging

(Continued)















[email protected]


16


House Tilting/Lifting


Occurrence Policy

Non - Admitted Paper


Operations: Small to medium sized risks engaging in house tilting/lifting


Risks subcontracting more than 20% of their operations

Risks acting as a General Contractor, Construction Manager,

Builder or Developer.

No work on piers

No basement, foundation or structural concrete

work.

New operations



Stop Gap Available




Property, Equipment



17

House Tilting/Lifting

(Continued)















[email protected]


18

ENVIRONMENTAL CONTRACTORS


Occurrence Policy

Non-Admitted Paper

Available in all US States

Operations: Environmental Consultants, Mold Remediation, Asbestos

Abatement, Contractors Pollution Liability, Professional

Liability, Storage Tank Insurance (above and below ground)



Pollution Liability

Stop Gap Available




Property, Equipment

Contracting Bonds including Payment and Performance Bonds

Submission Requirements: Our Supplemental application completed

ACORD 125 & 126-Commercial General Liability application

(Only if GL coverage is requested)

5 years, currently valued loss runs

Narrative on losses in excess of $10,000.

Two years of financials including balance sheet and

income statement.

Promotional Materials (e.g., brochures, web-site) used in

describing services and operations offered by the

applicant.


19

ENVIRONMENTAL CONTRACTORS

(Continued)

Submission Requirements: Statement of Qualifications, including resumes of key staff

(Continued) members and professional licenses/certifications.

Specimen contracts used with clients and subcontractors and

copies of guarantees, warranties & hold harmless

agreements furnished by the Named Insured.

Company Standard Operating Procedures



[email protected]


20


CONTRACTORS SURETY BONDING

We have access to several Bond Markets:

Environmental Contractor’s Payment & Performance Bonds

Contractor’s License or Permit Bond

Qualifying of Individual Bond

Insurance Broker Bond

Notary Bond

Waste Tire Hauler Bond

Wine Bond

ERISA Bond

And many more


Completed Contractors Questionnaire

Company Financial Statement for the past 3 years

Current Personal Financial Statement

Company and Personal Income Tax for the past 3 years

Schedule of uncompleted work

Line of Credit Letter from the bank, indicating the credit limit

Most current bank statement for business and personal account



[email protected]


21


INLAND MARINE

AM Best Rated A 15 Carrier

Contractor’s Equipment

Scheduled & Miscellaneous Tools

Rented/Leased Equipment

Rigger’s Legal Liability

Installation Floaters

Builder’s Risk

Real and Personal Property

Loss of Income/Rents

Extra Expense

E.D.P.

Motor Truck Cargo

Warehouseman’s Legal

Bailee Coverage

Jeweler’s Block

Commercial Fine Arts

Miscellaneous Floaters


Applicable ACORD applications

Currently Valued Loss Runs

Please note additional information may be requested by the Underwriter.



[email protected]


22

Associations

Apollo General Insurance Agency, Inc. is a proud Member of the following associations:

apollo welcome guide - apollo general insurance | commerical … · 2017. 9. 27. · apollo general...

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