Business

Commercial Insurance Solutions

Hallmark Commercial Insurance Solutions (CIS) provides property and casualty insurance products for small and medium-sized businesses. Coverage includes Property, General Liability, Commercial Auto, Umbrella, Crime, EPLI, Cyber and Inland Marine coverage.

What We Offer

Contractors

Air Conditioning/Heating
Carpentry
Concrete

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Manufacturing

Leather Goods
Machine Shops
Metals

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Professional Services

Accountants
Architects & Engineers
Appraisers

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Automobile Services

Alignment
Battery
Brakes

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Hospitality Industry

Bed & Breakfast
Boutique Hotels
Higher-End Franchise Hotels

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Retail

Antiques
Appliance Store
Art Gallery

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Distributors

Beverages
Dry Foods
Durable Goods

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Business Services

Beauty/Barber Shop**
Car Wash
Carpet & Upholstery Cleaning

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Restaurants

Bakery
Brew Pub
Deli

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Real Estate

Commercial Office Buildings
High Rise Condominiums
Home Owner Associations

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Distribution

We write in the following states: Arizona, Arkansas, Hawaii, Idaho, Illinois, Iowa, Minnesota, Missouri, Montana, New Mexico, Oregon, Texas, Utah, Washington, Wisconsin, Wyoming.

Advantages

Franchise Value = Limited Distribution
Consistent Appetite = No “In-and-Out”
Field Production Underwriter vs Marketing Representative
Express Quote Unit = Quotes and Binds Smaller Risks
Profit Sharing = Achievable Threshold of $500,000 GWP
Superior Claims Handling
Elite Agent Program = Enhanced Commission Incentive
Automation and Product Development = Investing Heavily

Coverages

Commercial Package Policy (CPP)
Business Owners Policy (BOP)
Monoline Policies
Commercial Auto
Umbrella
Inland Marine
Crime

Additional Coverages

Employee PracticesLiability
Cyber Liability
Equipment Breakdown

Enhancement Endorsements

Property Enhancement
Hotel Enhancement
Artisan Contractor Enhancement
Restaurant Enhancement
Commercial Auto Enhancement
Commercial General Liability Enhancement

Custom Coverage Options

Additional Insureds
Blanket Additional Insureds
Condominium Directors and Officers Liability
Employee Benefits
Fine Arts Floater
Hired Auto Liability
Innkeepers Personal Coverage including Personal Property, Liability and Loss of Use
Innkeepers Liability
Liquor Liability
Scheduled Property Floater
Umbrella/Excess
Professional Liability
- Beauticians and Barbers
- Funeral Director
- Optical and Hearing Aid Establishments

BOP Highlights

Accounts Receivable
Brands and Labels
Building Glass
Business Income from Dependent Properties
Business Income and Extra Expense (Actual Loss Sustained)
Claims Expenses
Electronic Data
Employee Dishonesty
Equipment Breakdown
Fine Arts
Forgery or Alteration
Host Liquor Liability
Interruption of Computer Operations
Laptop Computers – Worldwide Coverage
Money and Securities
Newly Acquired Building and Business Personal Property
No Coinsurance
Non-owned Auto Liability
Ordinance or Law Coverage
Outdoor Property and Signs
Personal Property Off Premises – Including Transit
Pollutant Clean Up and Removal
Spoilage
Valuable Papers and Records
Water Back-up and Sump Overflow

Express Quote Unit

Underwrites, quotes and binds smaller commercial policies that meet the following criteria:

General Information

New ventures: 3+ years of relevant experience required
Pricing: Give us your target!

Exposure Based Definitions

Property

Up to $5M in total insured value

General Liability

Up to $5M in sales
Up to $500,000 in payroll

Commercial Automobile

Number of Vehicles: Up to 10 power units

Umbrella

Limits: Up to $5M

Express Quote Submissions

express@hallmarkgrp.com

877-832-6642

Contractors / Construction Core Appetite

Air Conditioning/Heating
Carpentry
Concrete
Drilling – Water Wells
Drywall or Wallboard
Fencing
Flooring
General Contractor**
Landscaping
Land Improvement
Painting (interior)
Paving – Driveway, Parking or Sidewalk
Plumber
Refrigeration Repair & Service
Sheet Metal**
Swimming Pool
Tile/Marble Installation
Underground Utility

** State Specific Strategy

Manufacturing Core Appetite

Leather Goods
Machine Shops
Metals
Plastics
Wood

Professional Services Core Appetite

Accountants
Architects & Engineers
Appraisers
Attorneys
Consultants
Dentists
Insurance Agents & Carriers
Financial Services
Medical
Office – NOC
Outpatient Services
Physicians
Surveyors
Veterinarians

Automobile Services Core Appetite

Alignment
Battery
Brakes
Collision Repair
Oil/Lubrication
Inspection
Tire
Suspension
Windshield/Glass Repair

Hospitality Core Appetite

Bed & Breakfast
Boutique Hotels
Higher-End Franchise Hotels

Retail Core Appetite

Antiques
Appliance Store
Art Gallery
Auto Parts Store
Book Store
Boutique
Bridal/Formal Wear
Building Material Dealer
Candy & Ice Cream Shop
Clothing Store
Coffee & Tea Shop
Florist
Gift Shop
Grocery Store
Hardware Store
Paint Store
Other Miscellaneous Retail

Wholesale/Distribution Core Appetite

Beverages
Dry Foods
Durable Goods

Business Services Core Appetite

Beauty/Barber Shop**
Car Wash
Carpet & Upholstery Cleaning
Cemetery
Dry Cleaner
Electrical Repair
Funeral Home**
Hearing Aid Store**
Interior Decorator
Janitorial
Nail Salon
Optical**
Pet Grooming
Photographer
Radio & TV Repair
Recording Studio
Refrigeration Service & Repair
Watch-Jewelry & Clock Repair

** Offer Professional Liability

Restaurant Core Appetite

Bakery
Brew Pub
Deli
Micro-Brewery
Pizza (No Delivery)

Real Estate Appetite

Commercial Office Buildings
High Rise Condominiums
Home Owner Associations