Specialty Insurance

ISU John C Conklin Agency offers more than 700 insurance products over and above the coverages sold by most independent agencies.

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Category Coverages

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Individual Coverages

Accountants Professional Liability

Accountants Professional Liability

Aircraft Hull and Liability

Aircraft Hull and Liability

Antique and Classic Automobile Insurance

Antique and Classic Automobile Insurance

Apartment Complexes

Apartment Complexes

Real Estate Agents Errors and Omissions

Real Estate Agents Errors and Omissions

Title Insurance Agents Errors and Omissions

Title Insurance Agents Errors and Omissions

Additional Categories

Aircraft/Aviation

Aircraft/Aviation
Most coverage is written for general aviation, a diverse industry that includes all forms of flying except commercial airlines and military operations. The four major classes of aircraft owners/operators are industrial aid, business and pleasure, flying clubs, and fixed base operators.

Amusement Parks and Rides

Amusement Parks and Rides
Liability coverage protects the amusement park owner or fairgrounds operator against claims for bodily injury and property damage that arise from premises and operations at specific locations.

Animal Mortality

Animal Mortality
Animal Mortality is life insurance on domestic animals, livestock, and zoological animals. It covers death from any cause that is not excluded as well as voluntary destruction of animals for humane reasons when certified by a veterinarian. Also see Bloodstock Insurance, Livestock Mortality Insurance, and Birds (Exotic) Insurance.

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.

Apartment Complexes and Condominiums

Apartment Complexes and Condominiums
The types of structures vary, ranging from multi-unit single story frame dwellings to high-rise buildings. Condominiums can present unusual and sometimes complex insurance problems with respect to property, liability, crime, and workers compensation coverages for the condominium buildings and operations.

Architects and Engineers, Professional

Architects and Engineers, Professional
This coverage protects individual architects, engineers, architectural firms, and engineering firms against allegations of damages due to their professional negligence. Coverage is written on a claims-made basis and is usually subject to high deductibles.

Art Collections

Art Collections

Auction Houses

Auction Houses

Automobile and Truck Rental- Daily

Automobile and Truck Rental- Daily

Automobile Dealers

Automobile Dealers
A number of package policies for franchised automobile dealers have been developed and are readily available. They usually provide property, auto dealers' premises and operations liability, garage keepers insurance, and dealers' physical damage coverages. Loss of business income, employee tools, and other optional coverages are also available. This explanation of insurance benefits is provided by Insurance Marketplace.

Automobile Excess Liability

Automobile Excess Liability
Automobile excess liability insurance is available to drivers who cannot obtain more than the minimum liability insurance limits needed to satisfy the financial responsibility requirements in their state because of age, occupation, vehicle use, or driving record. It is also available to drivers in assigned risk plans. This explanation of insurance benefits is provided by Insurance Marketplace.

Automobile Insurance Plans-Physical Damage

Automobile Insurance Plans-Physical Damage
This is physical damage coverage for automobiles placed in a state specific Auto Insurance Plan or Assigned Risk Plan for liability coverage. Some states provide physical damage within the plan but others do not. This explanation of insurance benefits is provided by Insurance Marketplace.

Automobile Leasing Contingent Liability- Physical Damage

Automobile Leasing Contingent Liability- Physical Damage
This is physical damage coverage for automobiles placed in a state specific Auto Insurance Plan or Assigned Risk Plan for liability coverage. Some states provide physical damage within the plan but others do not. This explanation of insurance benefits is provided by Insurance Marketplace.

Automobile Nonstandard Liability

Automobile Nonstandard Liability
Many motorists find obtaining automobile liability insurance with standard carriers at regular rates difficult or impossible because of their age, occupation, driving habits, moral habits, and other issues. The nonstandard market provides coverage to these drivers at surcharged rates usually based on the insured's accident and driving violation conviction record. The insurance company considers a number of factors when it decides whether or not to write this coverage in a given state or locality. This explanation of insurance benefits is provided by Insurance Marketplace.

Automobile Nonstandard Liability- Physical Damage

Automobile Nonstandard Liability- Physical Damage
Motorists who cannot find comprehensive and collision insurance coverages with standard markets at regular rates must obtain them through nonstandard markets at surcharged rates. The same companies that offer nonstandard liability coverage often also offer physical damage coverage. Physical damage coverage on high-powered sports cars, automobiles equipped for racing, specially equipped automobiles, and automobiles with fiberglass bodies is especially hard to place. This explanation of insurance benefits is provided by Insurance Marketplace.

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.

Automobile Sport and High Performance Cars

Automobile Sport and High Performance Cars
Automobile manufacturers design some very sophisticated and high-powered automobiles for customers who use them for everyday driving and transportation with a possibility of weekend racing. At one time most road racing or drag racing enthusiasts custom-built their own performance cars from stock models using custom racing equipment. These drivers were also usually very experienced racing enthusiasts and knew how to handle such cars. The introduction of high-powered vehicles to non-racing drivers can be deadly to both the driver and others because they lack training and do not understand the vehicle's power. Standard markets often decline to insure these vehicles. This explanation of insurance benefits is provided by Insurance Marketplace.

Clubs and Leisure Time Activities

Clubs and Leisure Time Activities
This program is designed for U.S.-based clubs and or groups conducting youth or adult non-sport activities. Coverage provided includes important liability protection for the organization, including its employees and volunteers, for liability claims arising out of its operations. Covered operations consist of scheduled, sanctioned, organized and supervised activities in which members participate and that are directly related to the specific common interest or goal for which the club or group is formed. Coverage is also provided for member activities such as meetings, registrations, parades in which the insured participates, picnics, banquets and ceremonies. This explanation of insurance benefits is provided by Insurance Marketplace.

Fine Arts- High Values

Fine Arts- High Values
Fine arts insurance coverage on both personal and commercial exposures and collections is usually written under inland marine coverage forms. In most cases, each item is scheduled and insured for specific stated amount. Because statuary, sculptures, paintings, and antiques are "one-of-a-kind" art objects, competent appraisers must determine their values. These values should be adjusted regularly because of the inconstancy in the art market that can cause values to skyrocket and then plunge. Security and loss prevention measures that are subject to enforceable warranties are often required. This explanation of insurance benefits is provided by Insurance Marketplace.

Mergers and Acquisitions

Mergers and Acquisitions
Regardless of the amount of due diligence that occurs when a company decides to acquire, be acquired, or merge with another company unanticipated situations often arise. Environmental, management, political, fiduciary, and benefit considerations can jeopardize the transaction successfully moving forward. A variety of specialized insurance coverages such as D&O, environmental liability, EPLI, property, workers compensation, and disability products may be purchased to eliminate or reduce some of the uncertainties. This explanation of insurance benefits is provided by Insurance Marketplace.

Nonprofit Agencies

Nonprofit Agencies
There are over 1.6 million nonprofits in the United States and the number grows by 5% each year. These organizations have a unique needs that standard commercial lines coverage forms and commercial lines underwriting often do not properly address. Coverage needs to include: property, general liability, professional liability, abuse & molestation, automotive liability, workers comp, accident & health, directors & officers liability, employment practices liability, and special events liability. 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.

Security Guards and Detective Agencies Liability

Security Guards and Detective Agencies Liability
Liability coverage for security patrol and detective agencies is available from primarily excess and surplus lines markets and specialty coverage programs. Underwriters pay close attention to employee training, use of firearms, the exact type or nature of patrol work performed, use of guard dogs, and previous losses. Premium is based on payroll and coverage is subject to a deductible. Some underwriters and programs include professional liability coverage and personal injury liability coverage. This explanation of insurance benefits is provided by Insurance Marketplace.

Travel Agents- Errors and Omissions

Travel Agents- Errors and Omissions
This coverage insures the insured travel agent against claims for damage that arise from alleged negligent acts, errors, and omissions committed by the insured or by others for whom the insured is legally liable. It usually extends to employees, tour guides, and tour directors under contract with the insured. The coverage territory is worldwide for accidents or occurrences such as canceled hotel or tour reservations, lost baggage, and misleading travel brochures. Some insurance programs include a package of coverages that includes professional liability, premises and operations liability, non-owned auto liability, and personal injury liability. This explanation of insurance benefits is provided by Insurance Marketplace.

Video Games/Arcade Centers

Video Games/Arcade Centers
This is general liability coverage for owners of video game and arcade centers. Coverage applies to injuries to game players and other non-employee persons on the premises. Some underwriters include the liability coverage in a package policy, with property coverage usually written on an "all risks" type basis, including replacement cost valuation on property. Loss of earnings coverage and transit coverage is also available. Underwriting factors that must be considered are the premises location, its condition, staffing, and management experience, and stability. This explanation of insurance benefits is provided by Insurance Marketplace.

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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 ISU John C Conklin Agency.