| Our Products
Commercial Lines
Bloss & Dillard is an excellent source for your commercial lines operations. We have a variety of markets that will accommodate the various exposures that your agency may come across. Bloss & Dillard, Inc. has in-house authority to quote $1MM/$2MM limits with most of our carriers for the majority of classes you may see. Some carriers enable us to quote up to $3MM/$3MM on an underlying policy in house.
We have in-house authority to quote commercial property with many of our carriers. We have the ability to quote $1MM limits in-house but have the markets to review much higher limits. One type of property coverage we have a market for is a builder's risk coverage. With the construction of new homes increasing there is also an increase in concern for builders risk coverage. Other hard to place property risks are vacant buildings, crime, and difference in conditions, just to name a few. We can write property risks on a mono line basis or package with other coverage's.
We have in house authority for a wide range of inland marine equipment. Some types of equipment that we can cover are contractor's equipment. We have markets that will package these with the GL coverages so it's easier for the insured and agent when dealing with one policy. Another type of inland marine coverage we see a lot is hole-in-one prize indemnification. During the spring and summer seasons we see many golf tournaments luring participants with prizes. We can offer coverage for this type of risk.
Many of our classes can be packaged to make your job as an agent easier. A package may consist of GL and property. Other packages may have GL, property, liquor, inland marine and more. Credits are usually available when packaging products so don't forget this option.
While Liquor Liability is a tough class to write we do have carriers that will write this class of business. Many prefer to package this with the GL and/or property but they will consider on a monoline basis. With the current legal climate society, this is an important coverage to consider if you have a client selling alcohol.
As you can see, BDI offers a wide range of products. Some of the classes we see on a regular basis are: Apartments, Artisan Contractors, Bars, Daycares, Dwellings, Lessors Risk, Manufacturers, Special Events and Tanning Salons. These are just a few of the risks we see and we do get many "off the wall" submissions such as: property coverage for a beautician's hands; property coverage on a wine collection; products coverage for a candy maker, zoos and other interesting items. We review risks from A to Z so if you have a risk that you're not sure about feel free to call our office and discuss it with our underwriters. With the strength of many A rated carriers that have an excellent reputation in the industry, we're confident we can help you write more business.
| Casualty & Property Underwriters | |
| Colin Wills, ASLI, Manager | cwills@bloss-dillard.com |
| Ernestine Napier | enapier@bloss-dillard.com |
| Tammy Simpkins | tsimpkins@bloss-dillard.com |
| Debbie Hannah | dhannah@bloss-dillard.com |
