Serving independent insurance agents since 1954

P&C Department

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.

Department Contact

Sarah Warner
swarner@bloss-dillard.com

Michael Williams
mwilliams@bloss-dillard.com

Colin Wills, Vice-President
cwills@bloss-dillard.com

 

In-House Authority

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/$5MM 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. We see many types of property exposures such as builders risk, vacant buildings, crime, difference in conditions, just to name a few. We can write property risks on a mono line basis or package with other coverages.

We have in house authority for a wide range of inland marine equipment. Examples of inland marine exposures we see are: Contractors equipment, logging equipment, Equipment leased or rented to others, Valuable Papers and more. 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. Prize Indemnification is another type of inland marine coverage we see. During the spring and summer seasons many golf tournaments bring in participants with prizes. Whether it’s a large payout, a new car or smaller cash prize we have markets to provide you options for your client.

Our underwriters also have in-house authority on hundreds of classes of business for excess and umbrella coverage, with up to $5M limits. We also have several carriers willing to review harder to place excess and umbrellas, and have capacity for $10M and higher. BDI does not need to write the underlying policies in order to review the excess.

Packages

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.

A Wide Range of Products

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
  • Tanning Salons

These are just a few of the risks we see on a day in, day out basis. 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, liability for a zoo 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.

Products Coverage

Bloss & Dillard can work with carriers to offer products liability on either occurrence or claims made basis for manufacturers, suppliers, and others with a products exposure. We can help new startups and new products to help your customer get a jump on their business.

Professional Exposures

We see many risks which fall into the Brokerage or Professional realm of coverage. Some examples are:

  • Specialized Professional
  • Employment Practices Liability
  • Public Entities
  • Excess & Umbrella coverages
  • Non-profit D&O coverage
  • Data processing
  • Custom software
  • Web-portal services
  • Bookkeepers
  • Event planners
  • Promoters
  • Life coaches
  • Temporary staffing firms
  • Cyber liability

We can write seldom-seen coverages such as political risk and trade credit insurance with this carrier. We have the ability to write higher limits and pay 10% commission. Some risks qualify for admitted status. Minimum premiums start as low as $500. If you're interested in these types of risks contact one our P&C underwriters.