Current State AvailabilityFloridaArkansasArizonaColoradoConnecticutGeorgiaIowaIllinoisIndianaKansasMinnesota
MissouriMississippiNebraskaNorth CarolinaNevadaNew MexicoNew YorkOklahomaPennsylvaniaTennesseeVirginiaWisconsinAdditional states are pending approval. Please check with us if the state you need is not listed above.Program FeaturesGuaranteed CostDividend PlansFlexible Payment PlansA+ Rated CarriersTypes of Business Written330+ Eligible Classes - Top Twelve Classes
Condominiums 9015 & 9012 Lawn Maintenance 0042 & 9102Condominium & Homeowner's Association Risks Can be Written on an "IF ANY" Basis in Alabama, Arkansas, Arizona, Colorado, Connecticut, Florida, Georgia, Iowa, Illinois, Indiana, Kansas, Minnesota, Missouri, Mississippi, North Carolina, Nebraska, New Mexico, Nevada, South Carolina, Tennessee, Virginia, WisconsinBeauty Shops, Barber Shops & Hairstyling SalonsBuildings - Operations by Owner or ContractorGrocery StoresHotelsMachine Shops - Light MetalworkingPrivate SchoolsProfessional OfficesRestaurantsRetail StoresWholesale StoresThe above is a sampling of eligible classes of business. If you do not see the specific trade or class you are interested in, please contact us at: info@braishfield.comPremiumMinimum Premiums Vary by ClassificationBusiness ExperienceThe following New Ventures are considered:
Professional Office Exposures-Doctors, Dentists, Lawyers, Accountants, Insurance Agencies, Computer Programmers / Consultants with primarily office exposures
Beauty & Barber Shops, SalonsRetail Store Operations Sale of new merchandise only. Close at 9:00 p.m. No Delivery.Restaurants - Liquor receipts less than 50% of total receipts. Not open past midnight. No Delivery. Minimum premium of $1,000 in NY.Laundry/Dry Cleaning with no vehicle exposure.Motels: Franchised - Must have at least one fulltime employee other than owner(s). Targeting fewer than 12 employees unless part of a franchise program.Non-construction classifications-
No prior coverage requirement, however, insured must have 3 years experience in the same industry.Construction classes-
Current and prior workers' compensation coverage is required.Loss Experience RequirementsRisks without experience ratingsExperience modifications 1.35 or lessVerified loss ratio of 40% or less for prior 3 years verified by Company Loss Runs or completed prior information loss history section of the applicationUnacceptable RisksNo Subcontracted Work Without CertificatesNo Aircraft or Watercraft OpsNo Hazardous Materials ExposureNo Work Underground, On Water or Above 15'No Volunteers, Leased Employees or Group TransportationNo Temporary ServicesNo PEOsHow to Obtain a Quote
Fax or e-mail completed Acord forms for the desired lines of coverage along with any supplemental application and 3 years hard copy loss runs or a written loss statement to:
Toll Free Fax: (888)335-6615
E-mail: service@braishfield.com
Applications:
- Suggested minimum lead-time on submissions is 14 days prior to effective date
- Quotation turnaround time is 48 hours after receipt of complete submissions
- Quotations are transmitted to agents via e-mail
- Proposals will include all coverage components, limits, premium and cost summaries
- Quotations will also include binding instructions, including time frame, and required documents
