Who is - Hull & Company, Inc.Who is ? Hull & Company, Inc. was founded in Ft. Lauderdale, FL in...

Who is ?Hull & Company, Inc. was founded in Ft. Lauderdale, FL in December 1962 by Richard F. Hull. Although over 50 years old, we have remained young, aggressive, and fresh with new products and markets. Over the years we have expanded our operations and opened offices across the United States, with one in the U.K. Today our combined operations rank us as one of the largest wholesale brokerage operations in the excess and surplus lines marketplace.

Our Wholesale Brokerage Division markets excess and surplus commercial and personal insurance products to retail insurance agencies, and reinsurance products and services to insurance companies throughout the United States. Our Wholesale Brokerage Division offices represent various U.S. and U.K. surplus lines insurance companies, and certain of our offices are also Lloyd’s of London correspondents. The Wholesale Brokerage Division also represents admitted insurance companies for the purpose of enabling smaller agencies that otherwise would not have access to these markets to place business there. Excess and surplus lines insurance products include a wide variety of insurance coverages, such as personal lines homeowners, jewelry, yachts, commercial property and casualty, commercial auto mobile, garage, restaurants, builders’ risk and inland marine lines. Difficult-to-insure general liability and products liability coverages are a specialty, as is excess workers’ compensation coverage.

Casualty — commercial general liability, environmental / pollution liability, products liability (occurrence and claims made), umbrella and excess liability, buffer liability, deductible / SIR buybacks, wrap up liability (OCIP and CCIP), excess auto liability, bumbershoot liability, liquor liability, commercial package and more

Property — commercial property, windstorm and hail, earthquake, DIC, builders risk, ocean marine, inland marine, boiler & machinery, commercial package, flood and excess flood, primary & excess of loss and more

Professional — errors & omissions / professional, employment practices, medical malpractice, technology/hacker liability, architects & engineers, third party discrimination, environmental, product design, directors and officers and more

Marine — boats/yachts, marine / yacht club packages, marine contractors, commercial vessels, boat dealers / boat brokers / boat manufacturers, marine liabilities, ocean cargo / air cargo and more

Personal Lines — homeowners (including high value), dwelling fire, farm & ranch programs, excess flood, personal inland marine, personal umbrellas & excess liability, monoline liability and more

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Lines of Business and Associated Minimum Premiums:

Commercial General Liability - minimum premium $750

Commercial Umbrella / Excess Liability - minimum premium $750

Environmental Liability Including Workers’ Comp (all kinds) - minimum premium $5,000

Excess Auto Liability - minimum premium $2,500 Commercial Property - minimum premium $1,000 (higher minimum premium with wind)

Commercial Package - minimum premium $750

Liquor Liability - minimum premium $750

Inland Marine - $1,000

Private Pleasure Boats - $750

Commercial Marine - $1,500

Professional Liability / Errors and Omissions - minimum premium $2,000 Employment Related Practices – minimum premium $2,000

Data Breach / Hacker Liability - minimum premium $2,000 Personal Lines / High Value Homes - no minimum premiums - please call for more info

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Commercial Lines

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For additional information contact:Louette Folsom

Account Executive - Professional Lines954.903.4704 Direct Dial

[email protected]

Hull & Company, Inc./Ft. Lauderdale2150 South Andrews Avenue, Fort Lauderdale, FL33316

Phone: 800.678.4855 or 954.527.4855 Fax: 866.449.8449 Email: [email protected]®

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For additional information contact:

Hull & Company, Inc./Ft. Lauderdale

Phone: 800.678.4855 or 954.527.4855 Fax: 866.449.8449

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Casualty Programs• Alarm Installation- Burglar & Fire• Apartments• Beauty/Barber Shops/Nail Salons• Churches & Synagogues• Condo Units- Owner & Investors• Condominium Associations• Convenience Stores• Day Care Centers• Distributors- Domestic & Foreign• Exterminators/Pest Control• Homeowners Associations• Hotel/Motel• Janitorial• Laundry/Laundromats•Medical Equipment Stores•Medical Offices• Premises Preferred Program• Security Guards• Shopping Centers•Warehouses

Contractors

• Artisan Contractors• Commercial Contractors• Contractors Equipment Rental• Crane Operators• Developers- Residential & Commercial• General Contractors• Janitorial- Floor Waxing• Roofers• Sprinkler/Fire Protection Systems• Street and Road• Swimming Pool Installers

Mercantile

• Bars, Taverns• Book Stores• Caterers• Equipment Rental Stores• Flea Market Vendors• Grocery Stores• Pawn Shops• Restaurants• Supermarkets

Excess Liability & Umbrella• Admitted & Surplus Lines Markers• “A” Rated Carriers or Better• Claims Made Forms Available• Contracting Risks-Commericial & Residential• First Layer or Excess Coverage• Habitational• Hotels/Motels• Industrial Accounts• Products Manufacturers & Distributors• Real Estate-Commercial & Habitational• Service Industries• Transportation - Excess Coverage

Product Liability• Automotive Parts & Accessories• Chemical• Consumer Goods• Cosmetics & Personal Care Items• Distributors• Electronics• Food & Beverage•Manufacturers•Marine Products•Medical Related• Sporting Goods

Entertainment, Sports & Leisure• Adult Clubs• Amusement Centers• Amusement Rides & Devices• Batting Cages• Campgrounds• Climbing Walls• Festivals• Golf Hole in One• Haunted Houses• Liquor Liability• Prize Indemnifications (All Types)• Special Events• Sports Camps• TV/Film Production

Miscellaneous

• Accident & Medical- Stand Alone• Environmental Coverages• Glass-Stand Alone• International Travel Packages• Kidnap & Ransom- Domestic & Int’l•Owners, Contractors Protective - OCP• Railroad Protective Liability•World Risk - International Insurance

Commercial Property• Builders Risk• DIC/JUA Wrap Program• Excess Flood• Excess Wind• Habitational- All Types• High Valued Catastrophe Exposed Accounts• High Value Schedules• HUD Properties•Manufacturing Risks• Primary & Excess Coverage Avail.• Shopping Centers• Terrorism Coverage- Monoline• Vacant Properties•Wind Coverage- Monoline•Wind Deductible Buy-Back

Package Programs• Apartment Houses• Bars, Taverns• Beauty/Barber Shops• Book Stores• Churches & Synagogues• Condominium Associations• Convenience Stores• Grocery Stores• Health/Exercise Clubs• Hotels/Motels

• Laundry/Laudromats• Lessor’s Risk Properties•Medical Offices•Mercantile Risk•Office Buildings• Pawn Shops• Restaurants• Shopping Centers • Strip Shopping Centers•Warehouses

Inland Marine• Bailees• Boiler & Machinery• Builders Risk- Commercial• Contractors Equipment• EDP• Installation Floaters•Motor Truck Cargo• Riggers Liability• Transportation Floaters• Trip Transit•Warehousemans Legal Liability

Marine• Small Boats•Mega Yachts• High Performance Boats• Boat Rental Operations• Yachts• Charter Boats• Excess Liability

Commercial Lines

Hull & Company, Inc./Ft. Lauderdale1815 Griffin Road, Suite 300, Dania Beach, FL 33004

Phone: 800.678.4855 • 954.527.4855 Fax: 866.449.8449 www.hullco.com/ftlauderdale

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[email protected]



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Phone: 800.678.4855 or 954.527.4855 Fax: 866.449.8449

We’ve Got Wind!

• Risk only has to be over 1 mile to the closest salt water as long as outside the windpool

• Joisted masonry construction or better

• Wind/hail deductible as low at 3% in Tri-County depending on construction type and distance to the water

• Competitive rates

• No building age restrictions If building over 30 years old, roof must have been updated in the past 10 years. Wiring and plumbing updates required within the past 30 years.

• Call us for class eligibility

• Favorable loss and financial history required

Hull & Company, Inc./Ft. Lauderdale2150 South Andrews Avenue

Fort Lauderdale, FL 33316

800/678-HULL (4855) • 954/527-HULLFax: 866/449-8449 • E-mail: [email protected]

World Wide Web: www.hullco.com/ftlauderdale

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800.678.4855 954.527.4855 Fax: 866.449.8449www.hullco.com/ftlauderdale

In house binding facility up to $2,500,000

Commercial Property

• In house binding authority up to $2,500,000 including wind

• In house binding authority up to $4,000,000 excluding wind

• Brokerage facilities for large TIV schedules including wind & excluding wind

• Types of property written include, but not limited to: All Commercial Tenant and Owner Occupied Classes All Types of Habitational Accounts Builder’s Risk DIC/JUA Wrap Program Excess Flood Excess Wind Monoline Glass Coverage Monoline Terrorism Coverage Monoline Wind Coverage Vacant Properties Wind Deductible Buy-Back • Minimum Premium $750

Hull & Company, Inc./Ft. Lauderdale2150 South Avenue


800/(4855) • 954/Fax: 866/449-8449 • E-mail: [email protected]


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[email protected]



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Phone: 800.678.4855 or 954.527.4855 Fax: 866.449.8449

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Phone: 800.678.4855 or 954.527.4855 Fax: 866.449.8449

All premises accounts including, but not limited to:

• Apartments• Bars/Taverns• Beauty/Nail Salons• Churches• Commercial & Residential Condominiums• Day Care Centers• Distributors• Gas Stations• Grocery Stores• Health/Exercise Clubs• Homeowners Associations• Hotel/Motel• Laundromats• Mercantile Stores• Office Buildings • Restaurants• Shopping Centers • Supermarkets• Warehouses





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Commercial Liability

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[email protected]



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Phone: 800.678.4855 or 954.527.4855 Fax: 866.449.8449





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• Bailees

• Boiler & Machinery

• Builder’s Risk - Commercial & Habitational

• Contractor’s Equipment

• EDP

• Installation Floaters

• Motor Truck Cargo

• Riggers Liability

• Transportation Floater

• Trip Transit

• Warehouseman’s Legal Liability

Inland Marine

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[email protected]



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Phone: 800.678.4855 or 954.527.4855 Fax: 866.449.8449

Contractor’s Risk

All trade contractors including, but not limited to:

• Alarm installation• Carpentry• Concrete Construction• Crane Operators• Developers• Electrical Contractors• General Contractors (Both Commercial & Residential)• Janitorial• Metal Erection• Plumbers• Roofers • Sprinkler/Fire Protection Systems• Street and Road• Swimming Pool Installers

We can also place risks with poor loss experience





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We Can Offer:Blanket Additional InsuredsPer Project AggregatePrimary/Non-Contributory WordingWaiver of Subrogation And other additional coverages

Lines of Business:Contractor’s EquipmentCGLUmbrellaBuilder’s RiskOCIP/CCIP Wraps

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[email protected]



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Phone: 800.678.4855 or 954.527.4855 Fax: 866.449.8449





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Excess Liability & Umbrella

Admitted & Surplus Lines Markets

Available on Both Occurrence & Claims-Made Forms

Ability to Write Primary or Excess Coverage

In House Authority Up to 10,000,000 Limits and Sublimit for Higher Limits

Additional Capacity Over $500,000,000

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[email protected]



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Phone: 800.678.4855 or 954.527.4855 Fax: 866.449.8449





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All Classes Considered including:

• Automotive Parts & Accessories

• Chemical

• Consumer Goods

• Cosmetics

• Distributors

• Foreign Made Products

• Food & Beverage

• Manufacturers

• Marine Products

• Medical Related

• Sporting Goods

Product Liability

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[email protected]



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Phone: 800.678.4855 or 954.527.4855 Fax: 866.449.8449

The 40+ AdvantagePAC Policy

Over 40 new or enhanced Property and General Liability coverages offered through an A++ Carrier

KEY COVERAGES• Employee Dishonesty

• Accounts Receivable

• Valuable Papers

• Enhanced Building Ordinance Coverage

• Peak Season Coverage

• Increased Medical Payments

• Automatic Additional Insured Status for Manager/Lessor of Premises and Equipment

• Privacy and Information Security Expense Reimbursement

• Fire Extinguisher Systems Recharge Expense

• Property Damage to Customer Goods

SIMPLE ELIGIBILITY• Available on most OL&T classes, including:

- Apartments, Dwellings

- Shopping Centers

- Convenience Stores

- Hotel/Motels

- Vacant Buildings

- Lessor’s Risk

- Restaurant and many more

• Risk must qualify for Special Causes of Loss

• Minimum of 80% Coinsurance

BROAD CAPACITY• Property limits up to $4M per location ex-wind

• Property limits up to $1.5M per location with wind

• General Liability limits up to $2M/$2M

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Phone: 800.678.4855 or 954.527.4855 Fax: 866.449.8449www.hullco.com/ftlauderdale

UPGRADE PACKAGE RENEWALS TO THE 40+ AdvantagePAC

The 40+ AdvantagePAC Policy

Over 40 new or enhanced Property and General Liability coverages offered through an A++ Carrier

KEY COVERAGES• Employee Dishonesty

• Accounts Receivable

• Valuable Papers

• Enhanced Building Ordinance Coverage

• Peak Season Coverage

• Increased Medical Payments

• Automatic Additional Insured Status for Manager/Lessor of Premises and Equipment

• Privacy and Information Security Expense Reimbursement

• Fire Extinguisher Systems Recharge Expense

• Property Damage to Customer Goods

SIMPLE ELIGIBILITY• Available on most OL&T classes, including:

- Apartments, Dwellings

- Shopping Centers

- Convenience Stores

- Hotel/Motels

- Vacant Buildings

- Lessor’s Risk

- Restaurant and many more

• Risk must qualify for Special Causes of Loss

• Minimum of 80% Coinsurance

BROAD CAPACITY• Property limits up to $4M per location ex-wind

• Property limits up to $1.5M per location with wind

• General Liability limits up to $2M/$2M

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UPGRADE PACKAGE RENEWALS TO THE 40+ AdvantagePAC

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KEY COVERAGES

SIMPLE ELIGIBILITY BROAD COVERAGE

Limits of Insurance

Option A Option B Option C>General Liability policy limits $1,000,000/$2,000,000 $1,000,000/$2,000,000 $1,000,000/$2,000,000>Property per units Limits -BPP including Improvements and Betterments

$25,000 $50,000 $75,000

-Loss of Rents $5,000 $7,500 $10,000 -Loss of Assessments $2,500 $2,500 $2,500 -Misc. Real Property $2,500 $2,500 $2,500 -Lock and Key Replacement $500 $500 $500 -Tenant Relocation Expense (Not Available In Massachusetts)

$750/$15,000 annual aggregate



Available for individuals and corporations

Available on a short term, annual or seasonal basis

Residential use only

Up to 50 owned units in any one building / location,higher number of units eligible upon request

Eligible for Basic, Broad, or Special Causes of Loss

Available in coastal areas

RC or ACV; coinsurance cause does not apply

No water damage restrictions

Equipment Breakdown coverage available

Hired / Non-Owned Auto coverage available

The CondoUnitPAC Policy

Superior protection offered through an A++ carrier for residential condo units rented to others

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KEY COVERAGES

SIMPLE ELIGIBILITY BROAD COVERAGE

Limits of Insurance

Option A Option B Option C>General Liability policy limits $1,000,000/$2,000,000 $1,000,000/$2,000,000 $1,000,000/$2,000,000>Property per units Limits -BPP including Improvements and Betterments

$25,000 $50,000 $75,000

-Loss of Rents $5,000 $7,500 $10,000 -Loss of Assessments $2,500 $2,500 $2,500 -Misc. Real Property $2,500 $2,500 $2,500 -Lock and Key Replacement $500 $500 $500 -Tenant Relocation Expense (Not Available In Massachusetts)




Available for individuals and corporations

Available on a short term, annual or seasonal basis

Residential use only

Up to 50 owned units in any one building / location,higher number of units eligible upon request

Eligible for Basic, Broad, or Special Causes of Loss

Available in coastal areas

RC or ACV; coinsurance cause does not apply

No water damage restrictions

Equipment Breakdown coverage available

Hired / Non-Owned Auto coverage available

The CondoUnitPAC Policy

Superior protection offered through an A++ carrier for residential condo units rented to others

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[email protected]



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Phone: 800.678.4855 or 954.527.4855 Fax: 866.449.8449

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[email protected]



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Phone: 800.678.4855 or 954.527.4855 Fax: 866.449.8449

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Habitational Property Program

• Condominiums• Luxury Apartments• Office Condominiums• Target Account: Over $10,000,000 TIV

$25,000,000 LIMITShigher available - please call

$10,000 Minimum Premium

A XV Rated Carrier

• No Barrier Islands• 2,500 ft. from Tidal Waters• 1995 or Newer Construction• JM or Better Construction

• Risk Limited to Florida

Pref

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U/W

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Phone: 800.678.4855 or 954.527.4855 Fax: 866.449.8449

WE INSURE• in-Home and Commercial Facilities

• “Mommy and Me” and “Drop In” Centers

• Swimming Pools

• Field Trips included at no charge

KEY COVERAGES

A+ Rate Program for Day Care Centers & Nurseries

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• General Liability & Professional Liability

• Occurrence Form

• $0 Deductible

• Limits of $1M/$3M and $2M/$2M available

• Hired and Non-Owned Auto Coverage available

• Sexual Molestation $25,000/$50,000 automatically included

- Defense OUTSIDE the limits

• Optional Sexual Molestation limits of up to $1M/$2M available

• $5,000 in Medical Payments

• Employees as Insureds automatically included

• No Communicable Disease exclusion

WE INSURE• in-Home and Commercial Facilities

• “Mommy and Me” and “Drop In” Centers

• Swimming Pools

• Field Trips included at no charge

KEY COVERAGES

A+ Rate Program for Day Care Centers & Nurseries

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• General Liability & Professional Liability

• Occurrence Form

• $0 Deductible

• Limits of $1M/$3M and $2M/$2M available

• Hired and Non-Owned Auto Coverage available

• Sexual Molestation $25,000/$50,000 automatically included

- Defense OUTSIDE the limits

• Optional Sexual Molestation limits of up to $1M/$2M available

• $5,000 in Medical Payments

• Employees as Insureds automatically included

• No Communicable Disease exclusion

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[email protected]



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Phone: 800.678.4855 or 954.527.4855 Fax: 866.449.8449

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Homeowners

•HO3•HO6•HO4

•HO5•HO8

Coverages available for:•1-4FamilyDwellings•Primary,Secondary/Seasonal•Owner&TenantOccupied•LowValuetoHighValueHomes•InHomeBusinessAvailable•HighValuePackagePoliciesAvailable IncludingPAF,Umbrella&ExcessFlood

DwellingFire

•DP1 •DP3 Coverage available for:•BuildersRisk•ModelHomes

•Houseboats

•PremisesLiabilitymaybeincludedupto1,000,000•Corporately,IndividuallyOwnedPropertiesandTrust•1-4FamilyOwner/Tenant•Seasonal,ShortTermRentals•Vacant/Renovations/Unoccupied

Farm&RanchPrograms

•BasicorBroadFormCoverage•EligibleRisks: -OwnerOccupied -TenantOccupied -TenantPackages

ExcessFlood

StandAlone&PackagePoliciesAvailableIncludingV.Zones

PersonalInlandMarine

Eligible Classes of Personal Property:•Jewelry•Silverware•Furs•Cameras•MusicalInstruments•Contents/MiniStorage

•FineArts•Guns/Firearms•GolfCarts•Coins•Stamps•GolferEquipment

PersonalUmbrellas&ExcessLiability

•AvailableforTargetRisks•Limitsfrom$1,000,000to$10,000,000•Youthful&ElderlyDriversAccepted

MonolinePoliciesAvailable

•Premises/Personal/ExcessLiability•Limitsupto$1,000,000•AvailablealsoforCorporatelyOwnedProperties


800.678.4855 954.527.4855 Fax: 866.449.8449 Email: [email protected]

www.hullco.com/ftlauderdale

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[email protected]



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Phone: 800.678.4855 or 954.527.4855 Fax: 866.449.8449

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800.678.4855 954.527.4855 Fax: 866.449.8449 www.hullco.com/ftlauderdale

•HO3orHO5

•MinimumCoverageALimitis$1M

•Primary,Secondary,Rental,Vacant& Builder’sRisk

•CorporatelyOwnedProperties

•3%,5%,7.5%&10%Hurricaneor Wind/HailDeductibleAvailable

•10%or25%OrdinanceorLaw

•BlanketJewelryCoverage(upto$50K)

•ScheduledPAF

•Sinkholeand/orEarthquakeCoverages

•Upto125%GuaranteedRC

•EquipmentBreakdown

•$15KIdentityFraud

•PersonalInjury

Parameters

•MoldCoverageIncluded

•Upto$1MLiabilityLimit

•MedicalPayUpto$10K

•WindMitigationCreditsforStraps, ShuttersorImpactGlassandHipRoof

Highlights

Available coverages

High Value Homes Wind Available in All Counties

Boats/Yachts

• Boats of all sizes and types• Mega-Yachts• Excess Liability • Charter - Occasional & Full Time• Rental Boats

Marina/Yacht Club Packages

• Comprehensive GL • Marina Operators Liability • Protection & Indemnity • Property • Piers & Docks • Work Boats • Equipment & Tools • Rental Boats

Marine Contractors

• Markets for all Builders/Contractors/Artisans/Repairers • Hull and Protection & Indemnity• Physical Damage on Equipment including Waterborne• Marine GL

Commercial Vessels

• Charters • Passenger Vessels• Fishing Guides • Crew Boats• Tour Guides • Sailing Schools• Dinner Cruise Boats • Tugs & Barges • Supply Vessels • Government Vessels• Cargo Vessels • Dredges• Salvors

Boat Dealers/Boat Brokers/ Boat Manufacturers

• CGL Including Products/Completed Operations• Boat Broker’s Liability• Protection & Indemnity• Inventory Coverage• Marina Operators Liability• Builder’s Risk• Equipment and Tools• Property

Marine Liabilities

• Stevedores Liability • Terminal Operators Liability• Wharfingers Liability • Excess/Bumbershoot • Charterers Liability • Marine Professional Liability• Brokers Liability • Maritime Employer’s Liability• Ship Repairer’s Liability

Ocean Cargo/Air Cargo

• Shippers Interest • Carriers Liability• Stock Throughput • Warehousing• Motor Truck Cargo

Hull Ft. Lauderdalemarine Programs

Hull & Company Ft Lauderdale • 1815 Griffin Road, Suite 300, Dania, FL 33004 • www.hullco.com/ftlauderdale

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Phone: 800.678.4855 or 954.527.4855 Fax: 866.449.8449

Professional Liability

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Directors & Officers Liability • Public Companies • Private Companies• Non-Profit Organizations• Independent Directorship Coverage• Condo/Homeowners/Property Owners Associations Employment Practices Liability

• Restaurants, Hotels & Country Clubs (including Franchised Operations & Third Party Liability)

Errors & Omissions Liability Coverages available for most classes including:• Law Firms •Clinical Trials• Architects & Engineers • TItle Agents• Accounting Firms • Mortgage Brokers• Real Estate Agents/Brokers • Property Managers• Claims Adjusters • Advertising Agencies• Employment Agencies• Computer Consultants/Programmers• Insurance Agencies/Brokers/MGA’s• E&O and Bonds for Banks and Insurance Companies• Environmental Consultants & much, much more• Optional GL Coverage Available on Many Classes Public Entity Liability• Law Enforcement Liability • Ambulance/EMT Operations• Public Officials/Employment Practices • General Liability

Products Liability• Vitamin/Nutritional Supplements • Medical Products Medical/Social ServicesProfessional Liability

Educators Legal Liability • Charter • Universities • K-8• High Schools

Media/Internet LiabilityBroad coverage options available including:• First Party Coverage • Third Party Coverage• Unauthorized Access • Malicious Code• Copyright/Trademark Infringement • Public Relations Coverage Fiduciary LiabilityDefense Costs to protect the “Fiduciaries” of all plans in case of “Breach of Fiduciary Duty”. (ERISA allows plaintiffs to sue the Fiduciaries for their PERSONAL assets.) CrimeCoverage to protect the insured against employee dishonesty as well as burglary and robbery. Optional third party liability coverage available to qualified risks.

• Home Health Care • Nurse Registries• Counseling Risks • Group Homes• Physicians/Surgeons

• Dentists• Pharmacies • Hospitals • Imaging Centers• Labs

• EMT/Medical Transport Risks

• Accounting Firms • Contractors• Law Firms • Auto Dealers• Physicians (including Patient Abuse)

Optional Coverages:• Third Party Liability • Punitive Damages• Defense Outside the Limits of Liability

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[email protected]



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Phone: 800.678.4855 or 954.527.4855 Fax: 866.449.8449

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Phone: 800.678.4855 or 954.527.4855 Fax: 866.449.8449 www.hullco.com/ftlauderdale

Miscellaneous Professional Liability

Accident Reconstruction ServiceActuarial/Statistical ConsultantAdministrative Office Support ServiceAdvertising AgencyAnswering ServiceAppraiser (non-real estate)ArbitratorArboristArchaeological/Historical Preservation ConsultantAssociation Management ServiceAuctioneer (non real estate)Audio/Visual ConsultantAudit Service (non-financial)Background Check/Screening ServiceBilling ServiceBusiness ManagerCatererClaims AdjusterClassroom InstructorCleaning ServiceCoaching ServiceCoding Service/Electronic Data ProcessingCollection AgencyCompliance ConsultantConcierge ServiceCopy ServicesCost Containment ConsultantsCourier/Messenger ServiceCourt ReporterCredit Counseling ServiceCustom House Broker/Freight ForwarderDamage AppraiserDance InstructorDocument Destruction ServiceDocument management ServiceDog Obedience School

Educational ConsultantEmployment AgencyEnergy ConsultantErgonomic ConsultantEvent PlannerExhibit DesignerExpediting ServiceExpert WitnessFinancial Management ConsultantFire InvestigatorForensic InvestigatorForestry ConsultantFulfillment ServiceFundraising ConsultantGrant Writing ServiceGraphic DesignerGreen Building ConsultantGuidance Counselor Human Resources ConsultantInsurance InspectorInsurance Risk ManagerInterior DesignerInterpreter/TranslatorInventory ServicesLead Generation ServiceLighting Design ConsultantLobbyistMailing ServicesManagement ConsultantMarketing ConsultantMediatorMeeting PlannerMental Health CounselorMortgage Field InspectorNotaryPayroll ProcessingPersonnel Evaluator

Pet Grooming ServicesPet SitterPhotographerPremium Finance CompanyPrint BrokerPrinterPrivate InvestigatorProcess ServerPromotional ServiceProperty ManagerProperty Preservation ServicePublic Relations ConsultantRegistered AgentRelocation ServiceReserve Study ConsultantResume ServiceSeminar InstructorSocial Security RepresentativeSocial Services (non-medical)Speech TherapistsSports InstructorsTax Preparer/BookkeeperTeacherTechnology ConsultantTelecommunication ConsultantTelemarketing ServiceTesting ServiceThird Party AdministratorTraffic/Parking ConsultantTraining SpecialistsTranscription ServiceTravel AgentTrusteesTutorWedding Consultants/PlannerWind Mitigation Consultant

ELIGIBLE CLASSES

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Phone: 800.678.4855 or 954.527.4855 Fax: 866.449.8449

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DataBreachSM

DataBreachSM policy Includes:

> Liability arising from unauthorized access or potential unauthorized access of the named insured’s system

> Supplementary payments for notification costs, credit monitoring, public relations expenses and more

> Optional first-party coverage for cost of data and system restoration, extra expense to conduct business, payment of an extortion demand, loss of money, securities or other financial instruments

> Optional electronic media coverage for liability arising from the content of the named insured’s website

Easily quantifiable post-breach costs can arise from:

Customer notification - $1-2 per person

Consulting help for forensic research and data recovery -$250-300 per hour

Credit monitoring subscriptions -$10-20 per person

Credit card reissuance fee -$20-30 per card

Legal fees -$400-600 per hour

Information hotlines for customer support -$5+ per call

Example Breach:

Example Breach:

Laptop with employee information stolen out of a parked car.

Number of records - 4,300Estimated cost at $69 per record - $269,700

Missing hospital computer tapes containing Social Security numbers of patients.

Number of records - 52,000Estimated cost at $69 per record - $3,588,000




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Phone: 800.678.4855 or 954.527.4855 Fax: 866.449.8449

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Coverage Clients can choose the following foreign coverage options for a minimum premium starting at $2,500. Limits vary per coverage options.

•ForeignCommercialGeneralLiability Includingembeddedthird-partyAccidentalDeath&Dismemberment coverage

•ForeignAutomobileforowned,hiredornon-ownedvehiclesexcess oflocallyrequiredcoverage

•TravelAccident&Sicknessincluding24-hour,365-daymedicaland legalassistanceservicesoverseasprovidedbyTravelGuard.

•CommercialPropertyforrealandpersonalproperty,orpropertyat exhibitionorin-transit

•Kidnap&Ransom/Extortionforkidnaporransom,extortion,wrongful detentionorhijackingoccurrenceswhiletravelingabroad

•MarineOceanCargowithoptionalwarriskcoverage

•CommercialCrimecoverageforemployeetheftorforgeryorrobbery insideoroutsideofthepremises

•PoliticalRiskforconfiscation,expropriationornationalization

•Twoandthree-yearpoliciesavailable

FlexiblecoveragesolutionsfortheoverseasoperationsofcommercialU.S.andCanadian-basedmultinationalorganizations.

Target Classes

•ForeignExportersandImporters

•Manufacturers

•HigherEducationInstitutions (studyabroadprograms,foreigntravel)

•Non-ProfitOrganizations

•Energy

•Entertainment

•ServiceCompanies (engineering,consulting,researchers)

•SpecialtyTradeContractors

•FinancialServices

•ManyOtherClassesAvailable

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[email protected]



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Phone: 800.678.4855 or 954.527.4855 Fax: 866.449.8449

Healthcare

Hull & Company is pleased to offer specific programs for healthcare facilities. The program recognizes the risk variances between single and multi-specialty centers.

Eligible ExposuresOutpatient Ambulatory Surgicenters operating under the direction of a Medical Director

SpecialtyEndoscopy/Digestive Health

Eye/Lasik/RefractivePain Management

UrologyGeneral Surgery

GynecologyOrthopedics

Podiatry

Dental ClinicsDiagnostic Radiology

DialysisCancer Research

Weight LossSurgicenters

Pharmacies/drug wholesalers

Ineligible ExposuresSurgicenters without a Medical Director

Coverage Terms Offered• Professional Liability on a claims-made basis Coverage is automatic for non-physician employees and Medical Directors’ administrative duties. Coverage is available for physicians engaged in clinical patient patient care services on a shared limits basis.• General Liability may be included on a claims-made or an occurrence basis• Separate aggregate limits are provided for Professional Liability and General Liability• Options for defense cost inside and outside the limits of liability• First dollar (zero deductible) or deductible options are offered• Extended reporting period available• Incident claim trigger

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[email protected]



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Phone: 800.678.4855 or 954.527.4855 Fax: 866.449.8449

Lawyer’s Professional Program

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FeaturesNon-admitted

Availability Most StatesProgram Capacity 1-25 attorney firms

$2mm/$2mm (excess also)Limits $500/$1mm

up to $2mm / $2mmDeductibles up to $50,000Sweet Spot 1-10 attorney firms

$1mm limitsOpportunity AOP’s Residential RE

Commercial REForeclosure

Low % AOP’s SecuritiesEntertainment w/

Investment/Money MgmtClass Action/Mass Tort

Decline AOP’s Patent ProsecutionSyndication/Development

Legal Services Definition Inclusive of:Title Insurance Agent

Court Appt’d FiduciaryAuthor - Research Papers

Definition of Insured Inclusive of:Of Counsel

Independent ContractorTerritory WorldwideExtended Reporting Period 1 year - 150% expiring

2 year - 200% expiring3 year - 250% expiring

>3 years - TBD

Fully Earned

Lawyer’s Professional Program

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FeaturesNon-admitted

Availability Most StatesProgram Capacity 1-25 attorney firms

$2mm/$2mm (excess also)Limits $500/$1mm

up to $2mm / $2mmDeductibles up to $50,000Sweet Spot 1-10 attorney firms

$1mm limitsOpportunity AOP’s Residential RE

Commercial REForeclosure

Low % AOP’s SecuritiesEntertainment w/

Investment/Money MgmtClass Action/Mass Tort

Decline AOP’s Patent ProsecutionSyndication/Development

Legal Services Definition Inclusive of:Title Insurance Agent

Court Appt’d FiduciaryAuthor - Research Papers

Definition of Insured Inclusive of:Of Counsel

Independent ContractorTerritory WorldwideExtended Reporting Period 1 year - 150% expiring

2 year - 200% expiring3 year - 250% expiring

>3 years - TBD

Fully Earned

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[email protected]



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Phone: 800.678.4855 or 954.527.4855 Fax: 866.449.8449

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Non-ProfitD&O

Classes Available:

• Alumni Associations• Assisted living centers• At-Risk youth facilities• Big Brother/Sister• Boys & Girls clubs• CASA• Cemeteries• Chamber of Commerce• Charity groups• Charter schools• Church/Temple• Civic Organizations• Clinics and Health care providers• Clubs• Community Groups• Convention centers

• Crisis centers• Developmentally disabled facilities• Economic Development • Corporations• Environmental groups• Exhibitions (Fair, Festival)• Food banks• Foundation/Charities• Fraternal Organizations• Golf & Country Clubs• Historical Society• Lending organizations• Libraries• Lobbyist• Membership organizations• Museum & Historical Societies

• Performing arts organizations• Political action committees• Preschools• Research organizations• Scouting organizations• Social service organizations• Swim club/Tennis club• Trade & professional associations• United Way Chapter• Visitor/Tourist Bureau• Water company• Yacht clubs• YMCA/YWCA• Youth sports associations• Zoo• And many more...

Coverage Highlights:

• Can offer combo with EPL, fiduciary and crime

• Shared or separate limits

• Defense Outside and Inside limit

• Full Prior Acts

• Third Party Liability

• Personal Injury

• Punitive Damages (where insurable by law)

• Unlimited Extended Reporting Period ‘tail coverage’ for former Directors & Officers

• Outside Directorship Liability

• Workplace violence

• Coverage for monetary and non-monetary claims

• EPLI for leased and independent contractors

Access to many admitted marketsPrimary or Excess Basis

3 year policy term available for select risksFree Risk Management Services available

Customized programs are tailored to meet the needs of:

•Skillednursingandsub-acutefacilities

•Continuingcareretirementcommunities

•Assistedlivingfacilities

•Independentlivingcommunities

•Memory-lossfacilitiesfordementiaandAlzheimer’scare

•Home-andcommunity-basedservices

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[email protected]


Phone: 800.678.4855 or 954.527.4855 Fax: 866.449.8449 Email: [email protected]/ftlauderdale

Core Coverages:

•ProfessionalLiability(Claims-MadeandOccurrence),includingcoverageforyourmedicaldirector’sadministrativedutiesandtheirservicesinapatientemergencysituation

•GeneralLiability

•UmbrellaandExcessLiabilitywithhighlimits ofliabilityavailable

Additional Coverages:

•Crime

•CyberLiability

•DirectorsandOfficers,includingEmployment PracticesLiability

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[email protected]



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Phone: 800.678.4855 or 954.527.4855 Fax: 866.449.8449

Who is - Hull & Company, Inc.Who is ? Hull & Company, Inc. was founded in Ft. Lauderdale, FL in...

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