The lines we place
Start with the line, then the page.
| Line | What it is | Typical client |
|---|---|---|
| Errors and omissions | Six professional programs, limits to $5M, quotes in about 60 seconds on standard risks | Professional firms |
| General liability | Class-rated CGL, online with E&O for professional firms | Professionals, service businesses, trades |
| Specialty contractors | CGL for trades with manual work included | Contractors and trades |
| Legal expense | $50,000 per claim, 24/7 legal advice; condo and contractor versions | Businesses, contractors, condo boards |
| Builders risk | Renovations of existing buildings, TIV to $3M | Owners, investors, contractors |
| Course of construction | New builds up to $2M | Builders and owners |
| Vacant property | Empty homes to $3M, commercial to $2M | Owners, estates, landlords |
| Directors and officers | Management liability for boards and executives | Private companies, non-profits |
| Trade credit | Receivables protection against customer non-payment | Suppliers, distributors, contractors |
What quotes online and what goes to an underwriter
- Online. E&O for six professional programs, with optional CGL and legal expense on the same quote, at quote.approvedcasualty.com.
- Underwriter. Everything else: contractors, property programs, D&O, trade credit and referred E&O. A person reads every file.
The property lifecycle
Three programs follow a building through its life: vacant property while it sits empty, builders renovation while it is renovated, and course of construction for new builds. One submission process for all three.
Insurance and surety under one roof
Contractors who need CGL, legal expense and builders risk usually need bonds too. Send the bond request to the surety desk in the same email, and the account stays in one place.
