Specialty Insurance

East Pasco Insurance offers more than 700 insurance products over and above the coverages sold by most independent agencies.

Filter Results by Coverage Name (Use the first letter of any coverage title)

Category Coverages

Sports and Recreation Insurance

Sports and recreation activities, including athletic events, athletes themselves and sports organizers all face unique exposures and risks. Sadler Sports and Recreation Company, a well-known provider and trusted resource in the sports and recreation insurance market, shares helpful information that can make a difference to those involved with sports and recreation programs, personnel and facilities.

Sports and Recreation Insurance
  • Sports and Recreation Insurance

    Instant insurance* for sports teams, camps, clinics, health clubs, studios. Offering Accident, General Liability, D&O, Crime, and Equipment.


Individual Coverages

Real Estate Agents Errors and Omissions

Real Estate Agents Errors and Omissions

Roofing Insurance

Roofing Insurance

Specialty Insurance for Real Estate Investors

Specialty Insurance for Real Estate Investors

Additional Categories

Animal Rescue Operations

Animal Rescue Operations
Animal Rescues are volunteer operations with limited property exposures but with significant general liability, employee dishonesty, and directors and officer's exposures. There is an automobile exposure if the organization owns autos used to transport animals. There are also non-ownership exposures when volunteers transport animals on the organization's behalf.

Automobile and Truck Rental- Daily

Automobile and Truck Rental- Daily

Automobile Physical Damage (Kits/Replicas/CustomCars)

Automobile Physical Damage (Kits/Replicas/CustomCars)
Auto physical damage insurance is available for cars built by their owners or by others on the owner's behalf. Some of these are "replicars," which are replicas of antique and classic autos constructed from kits. All of these vehicles tend to need high physical damage values so substantial deductibles may be required. This explanation of insurance benefits is provided by Insurance Marketplace.

Automobile Repossessors Liability

Automobile Repossessors Liability
Businesses that repossess automobiles have difficult liability exposures and require expert handling. General liability, especially personal and advertising injury liability, is required to cover the operations exposure. In addition, auto liability for tow truck operations is required. Drive-away coverage is needed to cover the liability exposure on the vehicle being repossessed and garagekeepers legal liability is needed to cover vehicles while in the insured's care, custody, and control. This explanation of insurance benefits is provided by Insurance Marketplace.

Churches/Religious

Churches/Religious
This class of business is usually not difficult to place and is underwritten by many standard insurers. However, certain markets specialize in providing coverage for churches. Values subject to a total loss may be high. Optional coverages available include crime, theft, directors and officers liability, and clergy professional liability. Sexual misconduct coverage for the organization because of alleged actions of clergy and certain other staff positions is often available but is subject to sub-limits. This explanation of insurance benefits is provided by Insurance Marketplace.

Design Risks

Design Risks
Liability arising out of errors or omissions in the provision of professional design services. Although design services encompass a broad range of activities, including product design, in insurance circles this term is most often used to describe liability arising out of the providing of architectural, engineering, and surveying services. Coverage is specifically designed to offer protection to design professionals for the array of emerging exposures you face and can help protect your firm against losses resulting from negligence, errors, and omissions in the performance of professional services. This errors and omissions policy can be tailored to fit your business needs and includes design services provided in a variety of capacities. Key policy benefits normally provided include network and information security offense coverage. As well as crisis event expense coverage. This explanation of insurance benefits is provided by Insurance Marketplace.

Employment-Related Practices Liability

Employment-Related Practices Liability
Federal, state, and local regulations prohibit a number of employment-related practices. This insurance covers the insured if it or any of its employees are accused of any of the prohibited practices. The coverage provides a list of the federal regulations that can be cited in a claim such as age, race, gender, or disability discrimination. It also covers allegations of harassment and retaliation. This explanation of insurance benefits is provided by Insurance Marketplace.

Energy Risks

Energy Risks
The energy service industries have seen significant growth in the last several years. Due to an increase in domestic energy production and more green energy initiatives, we have seen a major opportunity for agents to make energy-related insureds part of their books. These insureds range anywhere from large oil field operations to contractors focusing more on alternative energy sources. This explanation of insurance benefits is provided by Insurance Marketplace.

Entertainment Risk

Entertainment Risk

The entertainment industry is often faced with unique perils. Insurance solutions that provide specialized property and liability protection for individual artists, performers and groups - even if the entertainer happens to be an animal - are important to mitigate and prepare for these risks. This explanation of insurance benefits is provided by Insurance Marketplace.

Typical Coverages:
  • Production Portfolio
  • Producers' Errors & Omissions
  • Guild/Union Travel & Accident
  • Equine Liability
  • Excess/Umbrella Liability
  • Foreign Liability
  • Marine and/or Inland Marine
  • Spectator Liability
  • Sponsor Liability

Farm and Ranch Properties

Farm and Ranch Properties
Farms and ranches have always been considered a specialty line of insurance. Some major carriers have separate divisions to underwrite farm, ranch and/or agribusiness risks. Dwellings, farm buildings, equipment, and livestock at one location can expose significant values to a single loss. Most farm properties are unprotected and do not have readily available water or paid fire department service. Policies written on farms and agribusinesses often combine both personal and commercial property and liability exposures. Larger farms and corporate farms are usually underwritten as commercial lines while family farms are underwritten as more personal lines. This explanation of insurance benefits is provided by Insurance Marketplace.

Firearms/Shooting Risks, Dealers and Distributors

Firearms/Shooting Risks, Dealers and Distributors
Comprehensive insurance programs are available for firearms wholesalers, distributors, retailers, gunsmiths, ammunition manufacturers, and indoor and outdoor shooting ranges. They are treated as specialty business because of the hazards that firearms and live ammunition present. Commercial general liability, products liability, and broad form vendors' coverages are important because many state and federal regulations require them. Property coverage on firearms and ammunition may also be available. Deductibles usually apply to premises hazards. This explanation of insurance benefits is provided by Insurance Marketplace.

Government Risk

Government Risk
Emerging markets can offer great opportunity for investors, but these same markets can also pose a variety of political risks. Among them: War, civil strife, coups and other acts of politically-motivated violence, including terrorism, Expropriation, including abrogation, repudiation, and/or impairment of contract and other improper host government interference, and Restrictions on the conversion and transfer of local-currency earnings. OPIC political risk insurance – often in combination with OPIC financing – allows American businesses to take advantage of commercially attractive opportunities in emerging markets, mitigating risk and helping them compete in a global marketplace.OPIC insurance provides innovative, comprehensive, and cost effective risk-mitigation products to cover losses to tangible assets, investment value, and earnings that result from political perils. This explanation of insurance benefits is provided by Insurance Marketplace.

Kidnap/Ransom Insurance

Kidnap/Ransom Insurance
Kidnap, ransom, and extortion coverage has become more common as businesses expand their international outreach and send executives and key employees around the world. While ISO and SFAA have developed endorsements and coverage forms, restrictions and availability vary by company. One unusual aspect of this coverage is that the insured cannot acknowledge that they have the coverage because such acknowledgement could make them more of a target. This explanation of insurance benefits is provided by Insurance Marketplace.

Merchandise Risks

Merchandise Risks
The retail industry has always been subject to changing trends and designs. As advances in communications and global connectivity continue to grow, retailers have had to embrace a changing dynamic that includes shifting consumer preferences based on the latest trends, global economic uncertainty and vast online options. All retailers must balance factors such as brand image, price, quality, location, marketing savvy, expense tracking and nimble inventory management to maintain typically thin profit margins. As the owner of a general merchandise store, you should know that some of the best ways to stay profitable include being strategic in your locations and maximizing your revenue per square foot. You also need to find ways to differentiate yourself from other stores in this competitive field. As you work hard to improve on these aspects of your business, you should protect what you have built with a general merchandise store insurance policy that has the coverage you need. This explanation of insurance benefits is provided by Insurance Marketplace.

Motor Home Rentals

Motor Home Rentals
Motor homes can be rented forweekend excursions, family vacation trips, or commercial use on a short-term or long-term basis. This insurance is soldto the dealer.It covers the motor home while it is rented to others. The dealers passes this cost to the party that rents the motor home by adding it as one part of the overall rental fee. This explanation of insurance benefits is provided by Insurance Marketplace.

Oil/Chemical Risks

Oil/Chemical Risks
Offshore Oil Drilling and Service Risks, Oil and Gas Deficiency Insurance- Guaranteed Performance, Oil Drilling EquipmentOil Drilling Rigs and Well Servicing Equipment, Oil Jobbers/Petroleum Distributors, Oil Landmen and Lease Brokers Errors and Omissions, Oil Lease Property (Oil Field Equipment), Oil Well Liability, Operators Extra Expense- Oil and Gas. This explanation of insurance benefits is provided by Insurance Marketplace.

Outdoor Recreational Facilities

Outdoor Recreational Facilities
National and state parks provide individuals and families a variety of opportunities for outdoor camping and recreation. Outdoors enthusiasts fill privately owned camping grounds and hunting and fishing preserves each weekend as well as during the week. Insurance packages are available that cover liability exposures such as saddle animals, horseback trail rides, archery clubs, shooting ranges, hunting and fishing clubs, recreational trails, resort hotels and motels, dude ranches, winter recreational activities and canoe, kayak, river rafting, and whitewater rafting. Auto liability coverage is available for buses and vans that transport guests to canoe and river rafting sites and for cross-country trips. Some programs also cover buildings and equipment owned by hunting and fishing lodges, hotels, and motels. General liability insurance is also available for clubs and members who lease land from others for hunting and fishing. Coverage is also available for landowners who rent out their land for hunting. This explanation of insurance benefits is provided by Insurance Marketplace.

Railroad Property and Liability Coverages

Railroad Property and Liability Coverages
There are many different types of railroad exposures, including short line, regional, light transit, national, and others. Lloyd's of London or other insurers with underwriting units that specialize in the railroad business usually write property coverage on railroad rolling stock and other railroad property. Federal Employers Liability Act (F.E.L.A.) coverage is needed to cover work-related injuries to all railroad employees in addition to commercial general liability, and cargo legal liability coverage. Foreign rolling stock coverage is also needed to insure the railroad's legal liability for damage to non-owned rolling stock while in its care, custody, or control. This explanation of insurance benefits is provided by Insurance Marketplace.

Real Estate Agents Errors and Omissions

Real Estate Agents Errors and Omissions
This coverage protects a real estate agency against claims for damages for financial loss due to the agency’s alleged negligence. The allegations of negligence must be related to the conduct of negotiations and business performance for others. Like all forms of errors and omissions insurance, a proposal form must be completed and submitted to obtain a rate quote and to issue the policy. The premium charge is based on the amount of insurance, the deductible, the number of partners and other associates, and the gross income from handling real estate business. This explanation of insurance benefits is provided by Insurance Marketplace.

Resorts

Resorts
Liability and physical damage coverage is extremely important to resort owners or operators. Resorts located in areas without public fire protection or in areas that are difficult to reach are particularly difficult to place because of the distance to the fire department, inadequate water supply, high brush hazards, or older buildings. Coastal resorts may have difficulty obtaining coverage for windstorm and flood. Liability exposures are often significant and include swimming pools; beach craft, such as wind surfers, jet skis, parasailing, and personal watercraft; scuba diving; water skiing; trail rides; mountain climbing; and white water rafting. Resorts also have liability exposures from winter activities such as ski trails, tows and lifts, toboggan runs, and snowmobiles. Many resorts also have exercise facilities, specialized concierge services, and significant liquor liability exposures from restaurants and bars on the premises. This explanation of insurance benefits is provided by Insurance Marketplace.

Restaurants

Restaurants
Many insurance companies consider this class of business to be accommodation business. Loss experience on restaurants is consistently poor, largely due to the high incidence of fire as a result of ignition of grease on cooking equipment and in hoods and ducts. Other frequent causes of fires are defective electrical wiring, electrical appliances, and poor housekeeping. Installing automatic fire extinguishing systems reduces fire loss potential from ignition of grease during cooking operations. Liability exposures are considered less significant than the property exposures unless the restaurant serves alcohol. These risks are usually written subject to rigid inspections and the insured’s cooperation to eliminate hazards. This explanation of insurance benefits is provided by Insurance Marketplace.

Retail Stores

Retail Stores
There are many distinctive features available in the Retail Business Insurance Policy: Property – To protect your business building(s), contents, and equipment from a covered accidental direct physical loss, Liability – To protect yourself financially against costly claims and lawsuits covered under the policy, Loss of Income – Covers the actual loss of business income caused by a suspension of operations because of covered accidental direct physical loss to the insured premises, including any extra expense incurred to the extent it minimizes the loss of income, Computer Property – Provides broad coverage, with certain exclusions, for computer equipment used in your business operations, including computers, computer peripherals, computer cables, and software, Equipment Breakdown – Provides coverage for damage to covered property caused by mechanical breakdown of covered equipment, and artificially generated current damaging covered equipment, Employee Dishonesty – Protection against direct physical loss to business personal property including money and securities resulting from dishonest acts committed by employees, Brands and Labels – Provides coverage for the cost to remove brands and labels and/or stamp salvage on merchandise that has been damaged by a covered cause of loss, Utility Interruption Loss of Income – Coverage for loss of income caused by the necessary suspension of your business due to failure of communications, water, natural gas, or electrical service to the premises, Signs – Coverage for accidental direct physical loss to signs attached to buildings (whether indoor or outdoor) and to outdoor signs not attached to buildings at the described premises owned by you or in your care, custody or control. This explanation of insurance benefits is provided by Insurance Marketplace.

Security Risks/Equipment

Security Risks/Equipment
The electronic systems marketplace including: Commercial and residential technology integrators, Residential and commercial alarm systems installation, Residential and commercial alarm monitoring companies, Closed Circuit Television (CCTV)/access control/communication systems installation, Low-voltage wiring/electrical wiring within buildings, Electricians. COVERAGE HIGHLIGHTS: Broad form commercial general liability – occurrence form, Tailored professional errors and omissions on an occurrence form, No property damage/care, custody and control sub limits, No hidden sublimit for important coverages or sunset clauses, Coverage for subcontractors’ work, No warranty clauses requiring a contract in place for coverage to apply, No water damage limitations, Customized additional insured forms to meet contractual requirements. This explanation of insurance benefits is provided by Insurance Marketplace.

Substandard Risks

Substandard Risks
Substandard and Low- Valued Dwelling Fire Insurance, Substandard Businessowners Policy, Substandard Crime Insurance, Substandard Fire (Commercial), Substandard General Liability, Substandard Malpractice and Professional Liability, Substandard Package Policies. This explanation of insurance benefits is provided by Insurance Marketplace.

Weather-related Coverages

Weather-related Coverages
Weather insurance is designed to protect the insured sponsor of an outside event or a manufacturer that designs a product (whose promotion depends on a weather-related risk). This coverage is especially useful in three situations: (1) cancellation of events, such as outdoor concerts, civic and fraternal outdoor events, carnivals, lawn parties, outdoor weddings and receptions, parades, and sporting events; (2) as a marketing sales tool, such as an air conditioner manufacturer that offers incentives to customers in order to increase sales but then endures a cool summer, or a snow blower manufacturer that offers refunds if the winter’s snow accumulation is substantially less than average; or (3) to stabilize cash flow, such as when too little snowfall reduces a ski equipment manufacturer's sales. Insurers set objective and observable criteria that must be met in order for a payout to occur. An application that gives details of the event or promotion must be completed before coverage takes effect. This explanation of insurance benefits is provided by Insurance Marketplace.

Xray/Medical Imaging Centers

Xray/Medical Imaging Centers
If you own part of an imaging center, you may be exposed to malpractice insurance claims made against your physician liability insurance policy. It is important to provide a separate limit of insurance to cover your imaging center, providing a separate malpractice insurance policy to cover each risk element of your practice . Inadvertently many physicians assume that their medical malpractice insurance policies will cover this added exposure. Imaging centers need the protection of a strong and reputable medical malpractice insurance policy. The insurance company should also have a strong risk management program, including site visits and phone consultations designed to take measures to eliminate possible problems before they can result in claims. It is vital to make sure the malpractice insurance policy covers all of the exposures for the imaging center. Most MRI or x-ray clinics are unsure of what to look for when acquiring medical malpractice insurance.  Malpractice insurance needs to cover the particular services offered by the imaging center - including MRI and X-ray exposure, as well as their associated physicians. This explanation of insurance benefits is provided by Insurance Marketplace.

Haven’t found the coverages you're looking for?

As a USA InsureNet Agency, we have access to the nation's premier directory of specialty products and programs.  You can download this below.

The 58th Edition of The Insurance Marketplace by Rough Notes contains more than 700 coverages, programs, and service industry categories and is the most widely used directory in our industry for locating Specialty Market Providers. 

If you see a coverage you are interested in, please reach out through the contact us button for more information. 

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Specialty insurance coverages and programs are offered by independent agencies that market/sell those insurance products. These coverages come from companies known as "Specialty Market Providers" or "SMPs" and are represented by East Pasco Insurance.