Private Kidnap
& Ransom

Lessors Risk
Package

Office Building
Package

Retail/Mercantile
Package

Commercial
Property Coverage

Vacant Renovation
Coverage

Builders Risk
Coverage

Kiosk
Coverage

Special
Events

Jewelers
Block

Check Cashing
Service

Armored Car
Companies

ATM
Operations

WSG Program Managers, a Houston based subsidiary of Wilson Smith Group LLC, is available to assist with market solutions for your Commercial Lines Placements. WSG specializes in the underwriting and placement of specific program solutions for difficult to place coverages related to Crime, Real Estate, Property & Liability exposures.

> HIGHLIGHTS

Commercial Property, Fidelity & Liability exposures can be difficult to place at times due to capacity restrictions, prior claims, vacancy, renovation, required endorsements and protection class issues. We are pleased to offer market solutions in which we are able to offer terms for these unique risk characteristics.

> LINES of BUSINESS

WSG has the ability to offer comprehensive solutions for Kidnap & Ransom, Lessors Risk, Office Buildings, Retail/ Mercantile Operations, Commercial Buildings, Vacant & Renovation Exposures, Builders Risk Coverage, Kiosk Coverages, Special Events, Jewelers Block, Check Cashing Services, Armored Car Companies & ATM Operations.

> OTHER AVAILABLE PRODUCTS

WSG Program Managers is able to offer program solutions for ATM operations, Armored Car Companies, Check Cashiers, Jeweler’s Block , Special Events, Kiosks, Course of Construction, Vacant/ Renovation Coverage, Commercial Property Coverage, Retail/ Mercantile Packages, Office Building Packages, Lessor’s Risk Packages & Kidnap & Ransom Coverage.

PRIVATE KIDNAP & RANSOM INSURANCE

AM Best Rating "A" (Excellent)

You’ve put a tremendous amount of time into your home and protecting the valuable assets it holds. For some it might be a rare art collection, for others a wine cellar stocked with extraordinary vintages, but the most important asset you have may be at risk — your family. While it often goes unnoticed, instances of kidnap and ransom, extortion, stalking, and personal threat for high-profile, successful people and their families, occur all over the world, even right outside of your front door.

Whether you are traveling the globe for business opportunities, vacationing, or going about your daily routine, it is important to have a comprehensive package of both insurance and service protection to respond to crisis events that can occur anywhere in the world. To help ensure that your family is as prepared as possible, WSG & AIG offer tailored comprehensive private kidnap and ransom insurance coverage with one point of contact and competitive pricing to prepare you today for wherever your lifestyle takes you tomorrow, even if it’s your own backyard.

Benefits & Features

  • Best-in-class prevention and response consultancy services from NYA International (NYA) and AIG’s own emergency travel and medical assistance consultancy, Travel Guard.
  • Broad Risk appetite offering worldwide coverage with limit capacity up to $50 million primary with the ability to tailor coverage to specific client requirements.
  • Over 30 years of claims expertise with a proven track record of handling and quickly paying claims
  • Round-the-clock coverage for you and your relatives

Insurance offer an expanded list of insured events including:

Basic Coverage
  • Kidnap and ransom
  • Extortion
  • Wrongful Detention
  • Hijacking
Supplemental Coverage Endorsements
  • Threat
  • Disappearance
  • Child abduction
  • Evacuation and repatriation including lost salary and personal effects
  • Express kidnapping for express event lasting less than 24 hours
  • Stalking expense

Application Forms

LESSORS RISK PACKAGE

AM Best Rating "A" (Excellent)

  • Competitively priced
  • Exceptional commissions
  • Immediate coverage options & price indications
  • Prompt claim handling

Lessor's Risk Coverage

  • Coverage available for building owner with retail, office & habitational Apartments with up to 8 units 50% of square feet
  • Business Personal Property & Business Income Coverage available Max building value of $2,000,000
  • Up to 35 years for Special Form
  • CGL Limits available up to $1,000,000/$2,000,000 Owner Occupied Retail Package available
  • Non Owned Auto Coverage available
  • Med Pay coverage available
  • Property enhancement endorsement available

Application Forms

OFFICE BUILDING PACKAGE

AM Best Rating "A" (Excellent)

  • Competitively priced
  • Exceptional commissions
  • Immediate coverage options & price indications Immediate binding & policy issuance
  • Prompt claims handling

Retail & office coverage package

  • Business Personal Property & Business Income coverage available
  • Building value up to $2,000,000 & Business Income up to $200,000
  • Up to 35 years for Special Form
  • Up to $1,000,000/$2,000,000 liability limit
  • Owner Occupied Retail Package available
  • Coverage Enhancement Endorsement available
  • Non Owned Auto Coverage available
  • PC 1-8 Available

Eligibility

  • Maximum square footage of 20,000 sq ft
  • Maximum Gross Receipts of $1,500,000
  • All subject satisfactory photos or inspections

Application Forms

RETAIL/MERCANTILE PACKAGE

AM Best Rating "A" (Excellent)

  • Competitively priced
  • Exceptional commissions
  • Immediate coverage options & price indications
  • Prompt claim handling

Retail Coverage

  • Building value up to $2,000,000 & Business Income up to $125,000
  • Full scope of classes with occupancies such as amusement parks, art galleries & gas stations
  • Business Personal Property up to $250,000
  • Up to 35 years for Special Form
  • Up to $1,000,000/$2,000,000 liability limit
  • Owner Occupied Retail Package available
  • Tenant Retail Packages available
  • Coverage Enhancement Endorsement available
  • Non Owned Auto Coverage available
  • PC 1-8 Available

Eligibility

  • No seasonal businesses
    • Square footage of 20,000 sq ft
    • Maximum gross receipts of $1,500,000
  • No buildings condemned or scheduled for demolition
  • No coverage for buildings located in distressed areas
  • No coverage for buildings with existing damage
  • All subject satisfactory photos or inspections

Application Forms

COMMERCIAL PROPERTY COVERAGE

AM Best Rating "A" (Excellent)

Benefits

  • Competitively priced
  • Wind Only Available
  • AOP Only Available

Coverage

  • Basic & Special Forms Available
  • Wood Frame Construction up to $1.25M per building
  • Non Combustible Construction up to $2.5M per building
  • Joisted Masonry Construction up to $3.5M per building
  • Masonry Non Combustible Construction up to $5M per building
  • Optional Coinsurance limits available 80%, 90% & 100%
  • Up to 20 buildings per policy
  • Business Income available
  • Sign Coverage Available

Eligibility

  • Requires 5 years hard copy loss runs unless new venture
    (otherwise underwriter approval required)

Application Forms

VACANT RENOVATION COVERAGE

AM Best Rating "A" (Excellent)

Benefits

  • Competitively priced
  • Instant coverage options & price indications
  • Immediate binding & policy issuance

Coverage

  • Monoline Property, Package (Property & Liability), Contents, and Multiple Locations including schedules available
  • Commercial forms ISO Basic & Special- ACV & RCV
  • Building values up to $3,000,000
  • Commercial Premises Liability Limits: up to $1,000,000/$2,000,000
  • Renovations: 50% of building value up to $400,000
  • Low minimum premiums
  • 3,6,9 or 12 month policies
  • Deductible form $500

Eligibility

  • Buildings secured against unauthorized entry
  • No buildings condemned or scheduled for demolition
  • No coverage for buildings in distressed areas
  • No coverage for buildings with existing damage
  • All subject to satisfactory photos or an inspection for risks exceeding $500,000

Application Forms

BUILDERS RISK COVERAGE

AM Best Rating "A" (Excellent)

Course of Construction

  • Single Projects with completed values up to $3,000,000
  • Residential and Commercial new construction up to three stories and 30,000 square feet
  • Basic & Special form with ACV/RCV options
  • Includes Soft Costs coverage
  • Includes Property In Transit and Off Site coverage
  • Protection classes 1 to 8 available
  • 3, 6, 9 or 12 month policies
  • V&MM available

Eligibility

  • No coverage for construction where work has already begun
  • Construction site locked & secured against unauthorized entry throughout the policy period when unattended
  • No coverage for buildings in distressed areas
  • No construction work involving demolition or underpinning of an existing building or structure, lead, asbestos or other pollutant abatement
  • No construction of modular, manufactured or mobile homes, earth homes, dome homes, open pier, stilt home, row or town homes, unique, green or experimental or any other non conventional building
  • Contractor maintains CGL insurance with a minimum $1,000,000 per occurrence

Application Forms

KIOSK COVERAGE

AM Best Rating "A" (Excellent)

Benefits

  • Competitively priced
  • Immediate binding and policy issuance

Coverage

  • Low minimum premiums
  • 13% commission
  • Basic Form only
  • Max number of Kiosk /Booth & Push Carts equals 50
  • Commercial General Liability Limits up to $1,000,000/$2,000,000
  • Max Inventory available up to $50,000 per Kiosk/Booth/Cart
  • Max any one item $5,000
  • Max Kiosk/Booth/Cart Physical Damage cover available up to $20,000 per unit
  • Coverage length options from 1 week to annual terms
  • Indoor and outdoor available
  • Certificates of Insurance via e‐mail
  • Wind & Hail included in all territories

Eligibility

  • No carts, booths, or kiosks in excess of 300 sq ft
  • No deep fat frying or cooking on an open flame
  • No applicants where licenses have been refused, revoked or suspended
  • No carts, booths or kiosks left unlocked and/or unsecured when not in use

Application Forms

SPECIAL EVENTS

AM Best Rating "A" (Excellent)

Why you should use WSG's Special Events Program

  • Competitively priced
  • Exceptional commissions
  • Immediate coverage options & price indications
  • Immediate binding & policy issuance
  • Prompt claim handling

Coverage

  • A wide variety of classifications to cater to your specific needs
  • Ability to email Certificate of Insurance directly to the Insured
  • Up to 3,000 attendees and up to 15,000 overall event attendance
  • Events up to 5 days and until midnight
  • Commercial General Liability limits to $1,000,000/$2,000,000
  • Minimum premiums from $250
  • Host liquor liability available for private events in certain states
  • Including private events, business events & events open to general public

Examples of Special Events (including but not limited to)

Anniversary Party
Christmas Fair
Antiques Fair
Church Events
Auction
Classical Folk/ Jazz Concert
Arts & Crafts
Family Reunion
Awards Presentations
Film Fair
Bar Bat Mitzvah
Food & Wine Fair
Barn Dance
Fund Raiser
Business Dinner/ Meeting
Non Profit Functions
Community Fun Day
Recitals
Educational Workshop
Receptions
Exhibition
Treasure Hunt
Gala
Weddings…and more…

 

Application Forms

JEWELERS BLOCK

AM Best Rating "A" (Excellent)

Jewelry Wholesalers/ Retailers/ Manufactures

Physical loss or damage to precious and semi-precious stones, jewels, jewelry, precious metals and other related property usual to the jewelry trade, including property of others entrusted to the insured or property of an insured entrusted to others.

Our Areas of Expertise

  • Wholesale
  • Retail
  • Designers
  • Contractors
  • Precious Metals
  • Personal Jewelry Collections
  • Manufacturing
  • Watch Trade

Insurance is Available for:

  • Premises
  • Outside Exposures
  • Shipments
  • Work & Operations
  • Travel
  • Memorandum
  • Exhibitions
  • Sendings
  • Appraisal Liability

Specialty Coverage is Available for:

  • United States Postal Service Registered Mail- Standard limit $125,000 (higher limits available up to $250,000)
  • United States Postal Service Express Mail-Standard limit is $25,000 (higher limits available up to $100,000)
  • Travel limits to/from post office are the same as shipping limits
  • Work and Operations-Standard limit $10,000 per occurrence with a $20,000 aggregate (higher limits are available)
  • Mysterious Disappearance-Stated limits with full limits available by request
  • Wearing of Jewelry-Standard limit is $25,000 (higher limits available upon request)
  • Valuation-Agreed Value and Replacement Cost Policies are available
  • Unattended Auto-Coverage available with approved alarm system
  • Worldwide Coverage-Available by request
  • Appraisal Liability
  • No Claims Bonus
  • Common Deductible when combining Jewelers Block with another Berkley Company Package

Application Forms

CHECK CASHING SERVICE

AM Best Rating "A" (Excellent)

The Package Policy is the central piece of any commercial insurance program. Using standard ISO coverage forms, WSG offers property coverage for buildings and business personal property. Commercial Liability coverage is offered for bodily injury and property damage, medical payments and products and completed work.

Accounts will be considered on a primary, excess, or quota share basis for all classes of business.

Application Forms

ARMORED CAR COMPANIES

AM Best Rating "A" (Excellent)

The Package Policy is the central piece of any commercial insurance program. Using standard ISO coverage forms, WSG offers property coverage for buildings and business personal property. Commercial Liability coverage is offered for bodily injury and property damage, medical payments and products and completed work.

Accounts will be considered on a primary, excess, or quota share basis for all classes of business.

Application Forms

ATM OPERATIONS

AM Best Rating "A" (Excellent)

The Package Policy is the central piece of any commercial insurance program. Using standard ISO coverage forms, WSG offers property coverage for buildings and business personal property. Commercial Liability coverage is offered for bodily injury and property damage, medical payments and products and completed work.

Accounts will be considered on a primary, excess, or quota share basis for all classes of business.

Application Forms