Call us today to discuss your Risks! S&H writes many lines of Commercial Insurance and Personal Insurance.
Choose the coverage below to read a little bit more of what we can write.
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S&H has in- house binding authority on property Limits up to $6,000,000. Higher limits are available on a submit basis. S&H also has markets for Excess Property for those unique or high valued risks that need special underwriting consideration. Excess Flood coverage for limits over NFIP is also available or we can write Primary Flood coverage.
Basic, Broad or Special Perils are available. Replacement Cost coverage with current updates to utilities (plumbing, heating, wiring, roof) is available. We also write in Protection Class 9 &10 and can write Coastal Properties. Property Enhancements (water back up, money & securities, food spoilage etc) are available on most risks.
Our most commonly written classes of business are:
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We can entertain most ISO classification shown in the Commercial Lines Manual. We have in-house authority for the majority of ISO classes which means we can give fast turn around on your quotes. We also have access to brokerage markets for Casualty that are willing to entertain some of the tougher liability classes.
Products Liability coverage is available on a monoline basis and we can add premises GL. We can entertain all types of manufacturers, distributors, importers and sellers of a wide range of products.
Railroad Protective Liability is available for those construction projects next to or on Railroad owned property. We deal with expert underwriters who understand this unique coverage. With a completed application a quote is a snap!
Owners Contractors Protective Liability (OCP) can be written within our binding authority on jobs/construction projects with costs under $1,000,000.
Special Event Liability for those short-term events like fundraisers, family reunions, sporting events, concerts etc. In-house binding authority for up to $1,000,000/$2,000. Our Minimum Premiums start at $250.
Some of the most commonly written classes of business for Commercial General Liability are:
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We can write a wide variety of Inland Marine Classes. For some types of risk we have a property enhancement endorsement that gives a multitude of coverages to enhance the property.
Some of the types of Inland Marine policies we can entertain are:
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Our markets can offer limits up to $10,000,000 and higher if needed. Underlying requirements of $1mil/$2mil on liability, $1,000,000 on Auto Liability and $500,000 for Employers Liability are required for our markets to consider. Carriers must have a minimum AM Bests Rating of B+ XV or A-VII or better.
Submissions need to include:
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We can offer liquor liability coverage with limits up to $1,000,000 in certain States within our binding authority. Assault and Battery coverage is available on most classes of business. Some of the Classes we can entertain can include:
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We write Non-Franchised Dealers with or without Auto Repair for Garage Risks located in VT, ME, NH, CT. Our Non-Franchised Dealer Program is provided by an Admitted carrier with Garage Liability Coverage Limits up to $1,000,000/$3,000,000, Uninsured and Underinsured Motorist Coverage, Dealer Plate coverage and both Dealers Open Lot and Garagekeeper’s Coverage Limits up to $300,000.
Auto Repair Business risks can be quoted with either our Admitted Or Non-Admitted markets for all other states. Our Non-Admitted Program offers Garage Liability Coverage limits up to $5,000,000 on a submit basis and Garagekeeper’s Coverage Limits up to $1,000,000 Per Lot Limit / $150,000 Per Vehicle Limit (higher limits are available on a submit basis).
Our programs offer Additional Coverage’s such as:
Targeted Classes
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We have access to numerous Professional Liability markets, including our own in-house binding authority E&O program for certain classes of business. Minimum premiums vary by class. Whether the account is simple or complicated, we have the markets to help you place coverage for your professional clients. We can quote from any carrier’s applications, or if you need an application visit our Applications Page.
Here are some samples of the classes of business we can entertain. If you don’t see a class of business here, please do not hesitate to call us to discuss your risk!
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This coverage is designed for not-for-profit organizations typically with less than 500 employees and revenue under $50M. Directors and Officers Coverage can be quoted both with and without Employment Practices Liability. Individuals serving on these boards may be held personally responsible for their acts and the acts of the company. Their personal assets may be at stake when something goes wrong. A Directors and Officers Liability Insurance Policy is designed to protect the personal assets of the directors and offers in the event they are the target of a lawsuit or claim from creditors, employees, regulators, shareholders and/or others.
D&O Key Features: Defense outside the limit, No “Hammer Clause”, Third Party EPL Coverage, Wage & Hour defense coverage.
EPL Key Features: Additional limit for defense cost, Third Party Coverage, Punitive Damage Coverage, Wage & Hour defense coverage
Non-Profit Management Liability Applications and Supplemental Applications can also be found on our website.
Simply email your applications to Email Quotes
Remember, Fully completed applications with loss runs or loss information result in much faster turnaround time!
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Our For Profit D&O Product offers a combination directors and offers liability and corporate securities liability in one policy form for publicly traded companies. Our policy form includes coverage for past, present and future directors and officers of the corporation including foreign equivalent positions and spousal coverage. Full prior acts coverage is available to qualified companies. Limits are available up to $10,000,000.
Our Management Liability Product is for privately held companies. Similar to our for profit product, it covers the insured entity and insured persons including any director or officer foreign equivalent positions, members of the board of managers and management committee members. Spousal coverage is also included. Management Liability product allows companies the option to select a combination of directors, officers and corporate liability coverage with employment practices liability coverage and/or fiduciary liability coverage under one policies form. Companies can also select a combined aggregate limit of liability across all coverage sections or a separate limit of liability coverage for each section. Companies select additional coverage enhancements such as Co-Defendant liability, Cost of defense in addition to the limit of liability, Claims brought by insured persons who have not served in that capacity for at least four years and Waiver of deductible if no liability.
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Employment Practices Liability can be written as a stand-alone policy or in combination with a Directors & Officers Liability policy. With Increased financial uncertainty and stress, more and more companies find themselves at risk of unfounded allegations. Employee allegations of discrimination, harassment, wrongful termination and retaliation are now common occurrences in every type of company or organization. Employment Practices Liability (EPL) Applications can also be found on our website.
Simply email your applications to Quotes Email Remember, a fully completed application with loss runs or loss information result in much faster turnaround time!
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We have access through our brokerage department to several carriers for various “medical related” accounts. Some sample classes of business where we can quote CGL and Professional Liability:
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We have several market writing CGL, Pollution and/or Professional Liability for your environmental risks and non environmental risks that require coverage. Minimum premiums start at $2,500. Prior acts coverage is available.
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Homeowners
Our homeowners coverage is underwritten for a range of sizeable and complex homeowners exposures including but not limited to mid-high value properties, older homes, secondary/seasonal residences, residences with short and/or long term rental exposures to include home-sharing properties, builders risk exposure and homes with prior losses. We offer HO3, HO4, HO6 & HO8 policy forms. Wind Coverage is available in all areas. Liability limits available up to $1,000,000. TIV in house authority up to $6 million. Up to $100 Million on a submit basis. Homeowners Application
S&H Underwriters, Inc. also has admitted High Value Homeowner packages for your High Net Worth clients. Personal Auto, Collections, Personal Excess, Yacht coverage and more. For more information please contact Patrick Sikora, Email Patrick or at Ext 106.
Condos
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We have competitively priced coverage for owner occupied and hard to place short and/or long term rental exposure. We can also offer coverage for home-sharing exposures. Homeowners Application
Dwelling Fire
Our dwelling fire coverage is meant for the risks that don’t quite qualify for our homeowners products due to the condition, protection class or use. We can offer DP1 or DP3 coverage and we can add personal liability up to a $1,000,000 Limit. Dwelling Fire Application
Personal Umbrella:
We can offer Personal Umbrella/Excess Coverage as part of our high-net-worth individual program on an admitted basis. Limits available up to $10 million available with UM/UIM up to $5,000,000. Mono Line coverage is not available. For more information please contact Patrick Sikora, Email Patrick or at Ext 106
Vacant Dwelling
We can write vacant dwellings on a competitive basis offering 17.5% commission when quoted using our Online Vacant Property Rater (insert link). We have in house binding authority for up to $6,000,000 building values. Higher values available on a submit basis. This can be packaged with Liability coverage up to $1,000,000. 3 Months, 6 Month and annual Policies are available. Vacant Property Application
Builders Risks/Buildings Under Renovation
We have products available for homes that are brand new breaking ground, total gut/rehab projects, and hones undergoing cosmetic updating. With in-house authority up to $6 million TIV and $1,000,000 for liability. Higher Values available on a submit basis. We require Certificates of Insurance for any/all contractors on premises and a timeline for renovations.
Personal Lines Builders Risk Application
Commercial Lines Builders Risk Application
Personal Article Floater
Coverage is available for most classes of property from valuable works of art and fine jewelry, to extensive coin collections or other unique items.
Flood Insurance/Excess Flood Insurance
We can offer both primary flood and excess flood coverage for both Personal and Commercial Risks. NOTE: Risks with prior Flood Loss History or risks located in Flood Zone V are not eligible.
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We can help you write those not so normal risks as well.
Prize Indemnification for you promotional contest – whether it’s a basketball half court shot, a fishing derby with tagged fish, a hockey shot from the blue line, a field goal at a football game, or a Hole In One contest, we can insure your prize! Your insured’s can build excitement at their event with the chance to win big. Prize Indemnification can insure cars, cash, boats or any prize value up to $1,000,000.
Weather Insurance is designed to protect a business, promoter, or sponsor who has a financial interest in an event which could be affected by specific weather conditions. Weather perils insured include: Rainfall, Snowfall, Temperature, Wind & Lightning. Some of the types of events we can insure for weather insurance include Fairs, Festivals, Corporate Events, Fund Raisers, Trade Shows, Concerts etc
Our expertise spans across Personal Lines Insurance, Commercial Lines Insurance, and Surplus Lines representation.
XPT Partners LLC
PO Box 176
East Montpelier, VT 05651
802.229.5669
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