Specialty Insurance

ISU John C Conklin Agency 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

Complete Event Protection

Events, both small and large, can take many unexpected turns. Risk exposure for clients include interruptions, problematic weather, and liability. This Category of specialty insurance coverage includes four important policies: Special Event Liability, Event Cancellation, Weather Insurance, and Prize Indemnity. Whether you're planning a wedding, a hole-in-one grand prize at a tournament, or a music festival for thousands, this is coverage you'll want to understand.

Complete Event Protection
  • Event Cancellation

    Be protected in case of sudden cancellation of your event due to unforeseen circumstances.

  • Prize Indemnity

    Prize indemnity insurance is indemnification insurance for a promotion in which the promoter pays a premium to an insurance company, which then reimburses the insured should a prize be given away.


Flood Insurance

Flooding is defined by the National Flood Insurance Program as a general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or two or more properties (at least one of which is your property) from: Overflow of inland waters, unusual and rapid accumulation or runoff...

Flood insurance policies cover physical damage to your property and possessions from floods or flood-related losses due to rising water in high risk areas. The federal government runs the National Flood Insurance Program (NFIP), which can issue flood insurance policies. Even if you have, renters, condo, landlord, mobile home or business insurance, you may need to purchase a separate flood insurance policy to have protection from flood damage. Most homeowners insurance policies do not cover damage caused by flooding. This is important to check when getting flood insurance quotes. If your community participates in the National Flood Insurance Program (NFIP), you can buy flood insurance coverage through agents enrolled in the NFIP-Direct program.

Flood Insurance
  • Commercial Excess Flood Program

    Our Commercial Excess Flood Program provides coverage excess of an NFIP policy limit.


Individual Coverages

Employment Practices Liability

Employment Practices Liability

Errors and Omissions Liability

Errors and Omissions Liability

Real Estate Agents Errors and Omissions

Real Estate Agents Errors and Omissions

Special Events Liability

Special Events Liability

Specialty Insurance for Real Estate Investors

Specialty Insurance for Real Estate Investors

Title Insurance Agents Errors and Omissions

Title Insurance Agents Errors and Omissions

Additional Categories

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.

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.

Business Legal Expense

Business Legal Expense
This coverage protects business owners against certain types of unforeseen legal expenses. An important limitation is that it covers only legal expenses that qualify as a deductible expense on the insured's tax form. It is not intended to pick up legal expenses that the insured's general liability insurance covers. Examples include preparing and reviewing contracts, forms, and documents; litigating contract claims; responding to consumer legal actions; advising on labor problems; and even certain white-collar criminal charges. It reimburses legal expenses for defense costs, legal consultation, and plaintiff actions. Pricing is based on the types of expenses covered and the limits purchased. This explanation of insurance benefits is provided by Insurance Marketplace.

Computer Software Designers Errors and Omissions

Computer Software Designers Errors and Omissions
This insurance covers errors in programs or in systems designed by computer software designers and consultants. In many cases, computer consultants' errors and omissions coverage is written as part of a package arranged for computer firms. This explanation of insurance benefits is provided by Insurance Marketplace.

Contractors Equipment Insurance

Contractors Equipment Insurance
This inland marine coverage insures contractors' equipment on a scheduled or blanket basis. For many contractors, their major assets are equipment, such as cranes, power shovels, tractors, and bulldozers. Large items can be specifically scheduled, while a blanket limit may be used for smaller items. Tool coverage, including employee tools, can also be provided. Coverage is often based on all risk-type perils or special causes of loss and is tailored to suit the individual insured's needs. A deductible sufficient to eliminate smaller, petty pilferage losses is preferred. Special limitations on crane usage are common. Other important coverages for contractors include: Contractor Controlled Insurance Plan (CCIP) aka Contractor’s Wrap-Ups, Contractors Design and Build (Project Managers) and Contractors Pollution Liability. This explanation of insurance benefits is provided by Insurance Marketplace.

Earthquake and Earth Movement

Earthquake and Earth Movement

The market for earthquake and earth movement coverage is active. Availability, pricing, and deductible requirements vary by region. Determining the insured property's susceptibility to earthquake damage and earthquake preparedness are important parts of the underwriting process. Coverage is available under specific earthquake or earth movement policies or Difference in Conditions coverage forms. This explanation of insurance benefits is provided by Insurance Marketplace.

Typical Coverages:
  • Dwelling 
  • Other structures 
  • Personal Property
  • Loss of Use
  • Building Code Upgrades
  • Personal Valuables
  • Swimming Pools
  • Loss Assessment

Educational Institutions

Educational Institutions

Educational institutions have very specific needs that only customized coverage forms and programs can meet. Such programs offer commercial property, general liability, crime, inland marine, equipment breakdown, electronic data processing equipment, fine arts, abuse and molestation, corporal punishment, employee benefits liability, automobile, umbrella liability, workers compensation, educators legal liability, and employment-related practices liability. This explanation of insurance benefits is provided by Insurance Marketplace.

Typical Coverages:
  • General Liability
  • Auto Liability & Auto Physical Damage
  • Property 
  • Equipment Breakdown
  • Crime
  • School Board Liability
  • EPLI
  • Cyber-liability
  • Fiduciary Liability

Employment Benefit Plans Liability

Employment Benefit Plans Liability

This insurance covers the insured employer against claims made by its current or former employees due to damages caused by negligent acts, errors, or omissions in the employer’s administration of employee benefit programs. It covers claims resulting from the giving of incorrect advice concerning an employee's health care or pension plan or for failing to enroll employees under a benefit program. It usually excludes all fiduciary responsibility. It may be written on a separate policy or be endorsed to the employer's commercial general liability policy. This explanation of insurance benefits is provided by Insurance Marketplace.

Typical Coverages:
  • General Liability
  • Contractors
  • Products Liability
  • Lessor’s Risk 
  • Employee Liability
  • Cyber-liability
  • Lessors Risk
  • Commercial Liability Risk

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

Environmental Risk

Environmental Risk

Provides protection against third-party environment impairment claims for bodily injury, property damage, and cleanup costs arising from an event on or stemming from a covered location.

Typical Coverages:
  • Environmental Liability

Equestrian

Equestrian

Horse owners ride for pleasure, show, or competition. Personal lines homeowners coverage provides some coverage but often not enough for serious riders. Equestrian risks liability policies are available to bridge the gap in coverage. Workers compensation coverage may also be needed to cover persons employed part-time, temporarily, or on a limited-help basis to assist in boarding, training stables, racing, or other equestrian- related activities. This explanation of insurance benefits is provided by Insurance Marketplace.

Typical Coverages:
  • Equine Liability Policies 
  • Boarding Stable Liability
  • Equestrian Association Liability 
  • Equine-Assisted Therapy Liability 
  • Farrier Liability
  • Guest Ranch Liability Insurance
  • Horse Care Custody & Control Liability
  • Horse Show & Equine Special Event Liability 
  • Polo Club Liability Insurance

Equipment Leasing-Lessor Protection

Equipment Leasing-Lessor Protection

Equipment leasing contracts require that the lessee insure the leased equipment. However, at times the lessee does not meet its obligation. In order to protect its interest in the equipment when such a lapse occurs, the owner can purchase contingent coverage that pays for its interest in the equipment. This coverage can be broadened to include the lessee's interest. This explanation of insurance benefits is provided by Insurance Marketplace.

Typical Coverages:
  • General Liability
  • Property Damage
  • Business Income
  • Terrorism 
  • Earthquake, Flood, Windstorm
  • War 
  • Total Loss 
  • Workers Compensation

Errors and Omissions/Professional Liability (Medical)

Errors and Omissions/Professional Liability (Medical)
This explanation of insurance benefits is provided by Insurance Marketplace.

Events

Events

Provides protection for situations in which an event holder, host, venue manager or concessionaire must defend against lawsuits or pay damages for bodily injury or property damage to third parties. Other coverages address the risk that events can be interrupted or canceled, including coverages designed to reduce the risk of events incurring financial losses. This explanation of insurance benefits is provided by Insurance Marketplace.

Typical Coverages:
  • General Liability 
  • Event Liability 
  • Weather Interruption Event Insurance
  • Unexpected Interruption Insurance
  • Event Cancellation Insurance 
  • Event Security Insurance
  • Cyber-liability Insurance
  • Personal Injury Liability 
  • Umbrella Insurance 

Excess Coverage

Excess Coverage
Excess Flood Insurance, Excess Liability (Commercial), Excess Liability (Over SelfInsured Retention), ExcessLiability (Personal), Excess Malpractice and Professional Liability, Excess MarineLiability, Excess Maritime Employers Liability, Excess Medical Stop Loss Coverage- Self Insured Risks, Excess Property. This explanation of insurance benefits is provided by Insurance Marketplace.

Health and Exercise Clubs

Health and Exercise Clubs
This coverage is designed for businesses operating as fitness facilities. A wide range of facilities are eligible for this program—from small personal training studios to big box facilities with a full range of equipment and amenities. Fitness centers offer valuable services as help people reach their fitness goals and become healthier in general. But in some cases, they can be a lawsuit waiting to happen if a member is injured on faulty equipment or an inexperienced instructor gives bad advice. That's why business insurance for fitness centers is a must. Types of Fitness Center Insurance Business insurance for fitness centers will consist primarily of liability insurance and property insurance to cover replacement or repair costs for equipment, General liability to cover costs if you are sued for medical bills or pain and suffering if a person is injured in your fitness center. This explanation of insurance benefits is provided by Insurance Marketplace.

Municipal and Public Entities Liability

Municipal and Public Entities Liability
This specialized liability policy is available from a number of insurers. It covers the liability requirements of cities, counties, townships, and other public entities. In certain states, the coverage insures the liability imposed on the public entity by law and liability that the public entity assumed by contract to the extent that it could legally do so. Some public entity policies cover specific personal injury offenses in addition to bodily injury. The definition of insured includes the named public entity, as well as its additional insureds, officials, servants, and employees. This coverage applies to both commercial general liability and auto liability. This explanation of insurance benefits is provided by Insurance Marketplace.

Professional Employers Organizations

Professional Employers Organizations
PEOs are organizations that manage and administer the human resources functions of their clients by contractually assuming substantial employer rights and responsibilities. They establish and maintain the employer relationship with the workers assigned to them. The types of workers, lengths of contracts, and the contractual obligations are important factors carriers consider when underwriting a specific risk. This explanation of insurance benefits is provided by Insurance Marketplace.

Property Management Errors and Omissions

Property Management Errors and Omissions
Property managers arrange for property maintenance, leasing or renting, construction, alteration, and land development. Any real estate firm must carefully supervise these and related activities in order to avoid errors and omissions claims. While many property managers are also real estate agents, not all are. 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.

Schools/Education

Schools/Education
Schools and educational institutions face a variety of unique risks that require specialized insurance protection. From students participating in sports to the inherent dangers of running chemistry classes and taking students on field trips, there’s a lot that educational institutions, including private and charter schools, need to manage and protect. And that’s in addition to the typical issues most businesses prepare for like property damage or loss of critical files and records. Smaller educational institutions, including private and charter schools, will need a Business Owner’s Policy (BOP). Why? Because it protects your school and the business of running it, in much the same way a homeowner’s insurance policy protects your home and personal possessions. 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.

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.

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. 

Download the Directory


Specialty coverage landing page provided by 

USA InsureNet logo



Specialty coverage definitions are copyrighted by

Insurance Market Place

 

Sponsors

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.