• Residential
• Commercial
• Condo/tract work up to 25 units new construction at one development (multifamily of 7-10 units can be considered)
• New ventures with a minimum of one year experience in the same contracting segment
• Up to 25% of work can be subbed out, except for Handyman class

• Less than 1 year of experience
• More than 25% of work is subcontracted
• More than 2 claims in 3 years
• One or more construction defect claims
• Exterior work more than 3 stories
• Asbestos, mold or environmental remediation
• Condos, townhouses, apartments or single family house projects or subdivisions of less than 7 units in one development
• Remodeling of condos, townhouses or apartments less than 5 units within a single project
• Work on student housing, senior housing, assisted living facilities or retirement homes except for repair or remodeling of more than one unit at a time
• Sales, installation, service or repair alarm systems, automatic fire extinguishing systems, boilers, elevators, escalators, surveillance systems or TV monitoring systems either commercial or residential
• Sales, installation, service or repair wood, coal or waste oil burning stoves
• Sales or application of chemicals
• Installation of Hurricane shutters
• Work performed for petroleum, industrial or chemical facilities
• Work on or for roof, swimming pool, elevator, airport, dock, railroad, traffic lights, underground tanks, skylights
• Exterior Insulation and Finish Systems
• Bankruptcy in last 5 years
• Involved in tunneling
• Recreational or playground construction
• Perform or sublet demolition or blasting operations
• Restoration work involving smoke, fire, water or earthquake
• Open roof construction allowed, except new construction not certified for occupancy
• Developers or Construction Managers
• Felony conviction in last 5 years
• Personal bankruptcy or principal in a company that has declared bankruptcy in past 5 years

• IL – WI – MI – IN – IA – MO & FL

• $1,000,000 Each Occurrence
• $2,000,000 General Aggregate (other than Products/Completed Ops)
• $2,000,000 Products Completed Operations
• $1,000,000 Personal and Advertising Injury
• $100,000 Damages to premises rented to you ($300,000 for commercial projects)
• $5,000 Medical Payments Expense

• Additional Insured Options
• Designated Construction Projects Per Project Aggregate General Aggregate Limit 2503 (05/09)
• Stop Gap 1111 (11-11) Ohio - $150 for $500k, $250 for $1M coverage limit

• Signed ACORD’s & Supplemental
• Three Years Currently Valued Loss Runs or a signed statement of losses
• Suggested target pricing or expiring premium

Minimum Premium - $750
No audit of annual premium less than $5,000
Deductible - $1000 Property Damage per claim
Premium Financing Available
A.M. Best A Rated Non-Admitted Carrier

• Adult Entertainment, including clubs and “go-go” dancing
• Adult bookstores
• Bars
• Brew pubs
• Cabarets
• Clubs
• Cognac bars
• Comedy clubs
• Convenience stores selling alcoholic beverages
• Country clubs
• Dance venues
• Fraternal organizations
• Grocery stores selling alcoholic beverages
• Jazz clubs
• Liquor stores
• Martini bars
• Microbreweries
• Nightclubs/Lounges
• Package store
• Upscale (primarily high valued liquor) bars
• Upscale gentleman’s clubs
• Western themed clubs
• Wholesale distributor
• Wine bars
• Wineries

• Arenas and Stadium Owners
• Auditoriums and Fairgrounds
• College fraternities or sororities
• Contact sports fields on premises
• Dancing on bars, speakers or any other raised platforms
• Interactive amusement devices
• Allowing pyrotechnics
• Allowing stunt activities
• Liquor Manufacturing

$1,000,000 Each Occurrence $3,000,000 General Aggregate (other than Products/Completed Ops) $3,000,000 Products Completed Operations $1,000,000 Personal and Advertising Injury Excluded Medical Expenses $1,000, 000 Damages to premises rented to you

$1,000,000 Each Common Cause $2,000,000 Aggregate (per location aggregate is applicable.)

Property (subject to Coastal Wind Exclusions) Business Income (subject to Coastal Wind Exclusions) Food and Beverage Spoilage Assault and Battery options:

• Excluded
• Silent
• Sub limit
• Full A&B up to GL limit

Defense outside the Limit of Liability Combined Single Limit Hired and Non-Owned Auto Liability Valet Additional Insureds Equipment Breakdown Employers Practices Liability

Signed ACORDs Expiring Term and Prior Three Years Currently Valued Loss Runs Supplemental application either Axiom’s or another carrier’s Target pricing or expiring premium

Program is Available in all States including the District of Columbia. Minimum revenue $250,000 Minimum premium – $2,500 Incidental exposures related to the risks above such as habitational, hospitality, gaming, or retail exposures are eligible. Direct Bill & Financing Available A.M. Best A VIII Rated Non -Admitted Carrier

• No restriction on Liquor Sales
• Competitive Pricing
• Fast Quotes and Policy Issuance
• Direct Bill & Financing Available
• Rated A “Excellent” by A.M. Best
  (Non Admitted Paper)
• Available in All States
• Minimum Premium: $2,500

• Restaurants
• Lounges / Bars
• Live Entertainment
• Dance Floors
• Laser Tag
• Indoor Go-Karts
• Horseshoes
• Volleyball
• Climbing Walls
• Food Concessions
  with or without Alcohol
• Pro & Retail Shops
• Arcade Video & Game Rooms
• Billiard Tables

• Comprehensive General Liability including:
• Liquor Liability
• Assault & Battery
• Shoe Rental Liability
• Property (subject to coastal restrictions)
• Business Income
• Inland Marine Coverage
• Excess/ Umbrella: Limits up to $10M
• Employee Dishonesty and Money & Securities
• Equipment Breakdown
• Workers Compensation
• Special Event Coverage
• Employee Benefits Liability
• Non Owned & Hired Automobile

• Fully completed and signed ACORD's
• Five years Loss history
• Supplemental application
• Target pricing or expiring premium

Lynn Houdek
Underwriting
l_houdek@axiom-ins.com
847-621-6450

Bowling Application

• Third Party Liability Coverage offered on most accounts
• Duty to defend with the Insured having the right to assume the defense
• Broad definition of Claim including written demands for monetary or non- monetary relief and fact-finding EEOC proceedings
• Broad definition of Insured including the Company, all employees and any leased employees
• Broad definition of Loss including punitive damages with most favored venue wording*
• Non-cancelable by the Insurer except for non-payment of premium
• 90-day post-policy claims reporting
• Automatic conversion to run-off coverage if change of control takes place
• Automatic coverage for employees of certain newly created, acquired or merged companies
• Spousal coverage extension
• Risk Management program available to all policyholders through the outside law firm Jackson Lewis, including a toll free hotline.

* Available in Most States

• Employment Placement Agencies
• Government / Public Entities
• Gun / Firearms Related
• Investment Banking Entities
• Law Firms
• Mortgage REIT’s
• Securities Brokers / Dealers
• Tobacco
• Adult Entertainment

• Small to medium premium accounts
• Generally under $100,000 DWP
• Broad Range of:
  • Agricultural
  • Contracting
  • Hospitality
  • Wholesale
  • Retail
  • Service
  • Habitational
  • Light Manufacturing
  • Light Processing
  • Lessors Risk

• Aircraft Liability
• Security Firms
• Nursing Homes
• Hazardous Material Hauling
• Large Fleet
• Livery
• Loggers
• Trucking
• Waste Management
• Manufacturing of Invasive Medical Products
• Chemical Blending & Manufacturing:
  • Pharmaceuticals & Nutraceuticals
  • Truss Manufacturers
  • Critical Aut
  • Parts
  • Tobacc
  • Products
  • Serving Alcohol after 4:00 A.M.
  • Firearms & Explosives

Limits: Up to $10M per occurrence $10M aggregate

General Liability
A-, FSC-V or better. (Will accept an un-rated state fund for EL.)
Limits of $1M /2M

Auto Liability
A-VI or better
Limits of $1M CSL or $1,000,000/$1,000,000/$500,000

Employers Liability
B+VI or better
Limits of $500/500/500

Signed ACORDs & Supplementals
Five Years Currently Valued Loss Runs
Suggested target pricing or expiring premium
Subcontractors Agreement (if applicable)
Underlying with Terms & Conditions

Program is Available in most States.
Minimum premium – $750 per million (depending on hazard group and attachment point)
Direct Bill & Financing Available
A.M. Best A Rated Non -Admitted Carrier

• Alcohol sales up to 25% of food and beverage sales
• Arcades
• Attendant Operated Rides
• Batting Cages
• Bowling Alleys
• Bumper Cars and Boats
• Camps including Golf, Batting, Pitching clinics and lessons
• Coin Operated Rides
• Climbing Wall
• Concession sales
• Gift, Souvenirs and Pro Shops
• Golf Driving Ranges
• Go Karts – electric or gas
• Inflatable amusements
• Laser Tag
• Miniature Golf
• Paintball
• Petting Zoos
• Slides
• Skating Rinks – Ice and Roller only .
• Soft Modular Play/Bounce Play
• Train Rides
• Water Parks/ Water Slides

• Hang Gliding
• Hot Air Balloons
• Luge
• Mechanical Bulls except electric
• Parachuting
• Parasailing
• Sky Diving
• Psycho Swing
• Risks with Alcohol open later than Midnight
• Risks in bankruptcy or legal reorganization
• Roller Blade or Skateboarding Parks or Centers
• Trampolines without adequate controls in place
• Tobogganing
• Velcro Jumping unless US manufactured and distributed

$1,000,000 Each Occurrence
$2,000,000 General Aggregate (other than Products/Completed Ops)
$1,000,000 Products Completed Operations
$1,000,000 Personal and Advertising Injury
$50,000 Damages to premises rented to you

$1,000,000 Each Common Cause
$2,000,000 Aggregate (per location aggregate is applicable).

Property (subject to Coastal Wind Exclusions)
Business Income (subject to Coastal Wind Exclusions)
Inland Marine for Amusement Devices
Food and Beverage Spoilage
Crime
Hired and Non-Owned Auto Liability
Additional Insureds
Equipment Breakdown
Employers Practices Liability

Signed ACORDs
Three Years Currently Valued Loss Runs
Applicable supplemental questionnaires
Target pricing or expiring premium

Program is Available in all States.
Minimum premium – $2,500
Direct Bill & Financing Available
A.M. Best A-XV Rated Non-Admitted Carrier

• Not limited by type of construction
• Not limited by number of stories
• Amenities such as:
  • Children's play area
  • Hotel shuttle or vans
  • Restaurants
  • Bar
  • Health Club
  • Exercise Facility
  • Spa Services
  • Swimming Pool
  • Hot Tubs

• Bed and Breakfast
• Hourly Room rates
• Apartment Hotels
• Cooking protection does not meet NFPA 96 standards
• Use of non-UL listed electrical and/or gas apparatus
• Risks without UL approved Fire Extinguishers, Smoke Detection, Emergency Lighting and marked exits/means of egress
• Risks not in compliance with UL 300 standards
• Restaurants without UL approved fire extinguishing system over all cooking exposures
• A minimum frequency of semi-annual inspections of the equipment by a qualified contractor must be documented

$1,000,000 Each Occurrence
$2,000,000 General Aggregate (other than Products/Completed Ops)
$2,000,000 Products Completed Operations
$1,000,000 Personal and Advertising Injury
$1,000, 000 Damages to premises rented to you

Liquor Liability (Package or Mono-Line) $1,000,000 Each Common Cause
$2,000,000 Aggregate (per location aggregate is applicable.)

Umbrella / Excess: Limits up to $10 Million

Property (subject to Coastal Wind Exclusions)
Business Income (subject to Coastal Wind Exclusions)
Food and Beverage Spoilage
Innkeeper Liability
Broad Form CGL
Crime
Assault and battery
Medical Payments
Defense outside the Limit of Liability
Hired and Non-Owned Auto Liability
Garagekeepers Liability
Additional Insured’s
Equipment Breakdown
Employers Practices Liability

Signed ACORDs
Five Years Currently Valued Loss Runs
Applicable supplemental questionaires
Target pricing or expiring premium

• Adult Entertainment, including clubs, and "go-go" dancing
• Adult Bookstores
• Cabarets
• Comedy clubs
• Dance venues
• Jazz Clubs
• Nightclubs/Lounges
• Upscale gentleman’s clubs

• Arenas and Stadium Owners
• Auditoriums and Fairgrounds
• College Fraternities or Sororities
• Contact Sports Fields on Premises
• Dancing on Bars, Speakers or any other Raised Platforms
• Interactive Amusement Devices
• Allowing Pyrotechnics
• Allowing Stunt Activities
• Liquor Manufacturing

$1,000,000 CSL Each Occurrence
$2,000,000 CSL General Aggregate (per location aggregate available upon request and for additional fee)
$1,000,000 CSL Products Completed Operations
$1,000,000 CSL Hired & Non-Owned Automobile Liability
Excluded Medical Expenses
$500,000 CSL Damages To Premises Rented To You
Liquor Liability (Package or Mono-Line)

$1,000,000 Each Common Cause
$2,000,000 Aggregate
Umbrella / Excess: Limits up to $10 Million

Property (subject to Coastal Wind Exclusions)
Assault and Battery Optional Limits:

• $10,000
  
• $25,000
  
• $50,000
  
• $10,000

Defense Outside the Limit of Liability Valety
Additional Insured's
Equipment Breakdown
Employers Practices Liability

Signed ACORDs
Expiring Term and Prior Three Years Currently Valued Loss Runs
Supplemental application either Axiom’s or another carrier’s
Target pricing or expiring premium

Program is Available in all States except New York, New Hampshire, Iowa & Texas
Minimum Revenue: $250,000
Minimum Premium: $10,000
Minimum Deductible: $5,000 ($10,000 available for additional credits)
Incidental exposures related to the risks above such as habitational, hospitality, gaming, or retail exposures are also eligible.
Direct Bill & Financing Available
A.M. Best A VIII Rated Non -Admitted Carrier

• Eating Establishments with or without Alcohol
• Banquet Halls
• Buffet and Smorgasbord
• Bistro and Brasserie
• Cafés
• Cafeterias
• Concession Stand
• Coffeehouse
• Casual Dining
• Caterers
• Diners
• Fast Casual
• Family Style
• Fine Dining
• Full Service
• Limited Service
• Pubs
• Quick Service (Fast Food)
• Sandwich Bar

• Locations not in compliance with UL 300 and NFPA 96 Standards

$1,000,000 Each Occurrence
$3,000,000 General Aggregate (other than Products/Completed Ops)
$3,000,000 Products Completed Operations
$1,000,000 Personal and Advertising Injury
$1,000, 000 Damages to premises rented to you

$1,000,000 Each Common Cause
$2,000,000 Aggregate (per location aggregate is applicable.)

Property (subject to Coastal Wind Exclusions)
Business Income (subject to Coastal Wind Exclusions)
Food and Beverage Spoilage
Medical Payments
Assault and Battery
Defense outside the Limit of Liability
Combined Single Limit
Hired and Non-Owned Auto Liability
Valet
Additional Insured’s
Equipment Breakdown
Employers Practices Liability

Signed ACORDs
Three Years Currently Valued Loss Runs
Supplemental application either Axiom’s or another carrier’s
Target pricing or expiring premium

• Available in all states except Alaska & Hawaii
• All lines considered including WC except sawmills
• A.M. Best "A-IX Rated Admitted Carrier
• Minimum Premium $5,000
• Up to 10% contracting receipts
• Up to 15% equipment rental
• Auto up to 200 mile radius of insured premises
• Up to 15% of operation can be logging
• $250,000 in backhauling or trucking

• Sawmills, Planing and Dimension Mills
• Kitchen Cabinet Manufactures
• Veneer and Plywood Manufactures
• Pallet Manufacturers
• Millwork Manufacturers
• Truss and Laminated Beam Manufacturers
• Wood Preservers
• Building Material Dealers and Distributors
• Lumberyards

• Accounts with three year loss ratio below 40%
• Financially secure insured's
• No major changes in operation in the past three years
• Accounts with involved, responsive and on-site ownership
• Accounts in business for more than Five years

• Complete Acord Apps
• 5 year currently valued loss runs, including details on losses > 20k
• Detailed narrative describing the operation, products, management
• Lumber Statement of Values (found on our website)
• Digital photos of any manufacturing buildings (interior & exterior)
• Drivers List (auto)
• Description of all Named Insureds
• Supplemental Application (found on our website)

For Additional Information on the Wood Products Program, contact:

Bryan Doty
847-621-6424
b_doty@axiom-ins.com

or contact any of our regional offices for assistance on any of Axiom's Programs.

Application available here:
http://www.axiom-ins.com/sites/default/files/Lumber%20App.pdf

• Adult Clubs (excludes dancers)
• Artisan Contractors
• Hospitality
• Food Services
• Automotive
• Educational Services
• Finance & insurance
• Information
• Manufacturing
• Professional Services
• Health Care Services
• Retail
• Wholesale

• General Contractors
• Heavy Construction
• Construction over 2 stories
• Exterior Painting Contractors
• Exterior Window Washers
• Long Haul Trucking
• Security Guards
• Start up Contractors
• Start Up Health care services, such as
  • Assisted Living
  • Skilled Nursing

• Signed ACORDs Workers Compensation (130) & Supplemental (where applicable)
• Five Years Currently Valued Loss Runs
• Current Experience Modification Worksheet
• Suggested target pricing or expiring premium

• Minimum premium – $2500 (except adult entertainment $5000 applies)
• Direct Bill & Financing Available
• A.M. Best A Rated Admitted Carrier