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SRIM | Special Risk Insurance Managers

SRIM | Special Risk Insurance Managers

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All Risks

ALL RISKS

General Business

Risks we love:

  • Contractors
    • Consultants
    • Demolition Contractors
    • Electricians
    • Excavation Companies
    • General Contractors
    • Handymen/Renovation contractors (with trades work subcontracted out)
    • Janitorial
    • Landscapers
    • Millwrights
    • Painters
    • Pest Control
    • Security Services
    • Welder
  • Vacant Dwellings, Buildings, & Bare Land
  • Rented Dwellings
  • Rooming Houses
  • High Value (over $1MM) Rentals, Homeowners, Seasonals – including those with AirBNB/ short term
  • rental exposure
  • High Value (over $1MM) Residential COC’s
  • Home-based Businesses
  • Low to Mid Hazard E-Commerce Sales with moderate USA exposure
  • Premises Liability
  • Senior Home Care
  • Tattoo & Piercing Artists/Shops

RISKS WE CONSIDER:

  • CGL for Hotels/Motels
  • Plumbers
  • E&O and D&O
  • Low Hazard Restaurants (minimal to no deep frying & minimal liquor exposure)
  • Food Courts
  • Risks with High USA Revenue’s
  • Small Subscription for High TIV Commercial Property
  • Small to mid-size Snow Removal Contractors with no public road exposure
  • Couriers/Goods from Amazon
  • Manufacturers / Distributors / Suppliers
  • Single Family Residential COC under $750K

LOGGING | TRUCKING | SPORTS & LEISURE

Risks we love:

  • Adventure
    • Guide Tours
    • Canoe/Kayak/Standup Paddle Board
    • Trail Rides (Horses)
    • Hiking
    • Hunting
    • Fishing / Ice Fishing
    • Dog Sled Tours
    • Snowshoeing/X-Country Skiing Tours or Clubs
  • Adventure
    • Rental of Equipment (i.e. canoes, paddle boards / kayaks, etc.)
  • Axe Throwing
  • Bowling Alleys
  • Children’s Play Centers as long as there are no Trampolines or Foam Pits
  • Community Halls/Arenas
  • Curling
  • Dance Instructors and Studios
  • Escape Rooms/Rage Rooms

  • Fitness (trainers must be certified)
  • Food Trucks
  • Golf Courses
  • Indoor Climbing Facilities
  • Inflatables
  • Kids Camps – Overnight and Day
  • Martial Arts
  • Music/Drama/Learning Programs (STEM) for Children and Adults
  • Non Profits
  • Outdoor Ice Rinks
  • Paintball/Archery/Archery Tag/Laser Tag
  • Resorts
  • Spas
  • Special Events
  • Sports (excluding Boxing/Kickboxing, Contact Hockey or Rugby)
  • Virtual Realty Facilities/Arcades

AVIATION

Risks we love:

  • Drones/UAV
  • Aircrafts used for pleasure or business uses
  • Airport Contractors
  • Premises / Hangarkeepers / Products Liability
  • Liability – hangars: property &/or liability – airstrips – mechanics / fuel sales – aircraft detailing
  • Non-Owned Aviation Liability (Aircraft or UAV’s)

RISKS WE CONSIDER:

  • Aircrafts used for Commercial uses
  • Airport Liability
  • Airshows
  • Agriculture Spraying (including or excluding chemical drift)
  • Business Jets
  • Excess Liability
  • Flight Schools
  • Rotor Wing / Helicopters
  • Student Pilots
  • Subscription Policies
  • Ultralight or Homebuilt Aircrafts

MARINE

Risks we love:

Pleasure Craft

  • Boats less than 20 years old
  • Experienced operator(s)
  • Max speed 55 mph
  • Marina Premises Liability Only
  • Skipper charters

Commercial

  • Boat Rentals, established companies
  • Boat Storage
  • Marinas
  • Marine Trades / Boat Repairs
  • Yacht Clubs/Sailing Schools

RISKS WE CONSIDER:

Pleasure Craft

  • Boats between 20-35 years old
  • High performance up to 70 mph
  • PWCs with another boat policy in place Commercial
  • Boat Rentals, new start ups
  • Builder’s Risk / Boat Manufacturers
  • Boat Dealers / Yacht Brokers
  • Commercial F/V (valued over $1M)
  • Foreshore Lease
  • Marine Surveyors/Contractors E&O
  • UUV/ROV – underwater property

Professional Liability

Risks we love:

  • Computer Consultants
  • Computer Programmers
  • Custom Software Developers
  • Database Administrators
  • Designers Hardware Installations
  • Support Internet Service Providers
  • IT Consultants IT Project Managers
  • IT Training Consultants
  • IT Staffing Mobile Applications
  • SaaS Analytics
  • Network Support Services
  • Software Developers (Non-Custom)
  • Software Quality Assurance
  • Telecommunications Consultant
  • Website Designers
  • Advertising Agents
  • Animators
  • Brand Development/Corporate Identity
  • Graphic Designers
  • Telemarketing
  • Market Research Consultants
  • Copywriters
  • Public Relations and Communications Consultants
  • Marketing Consultants
  • Media Business Services
  • Database Management Consultants
  • Social Media Consultants
  • Addressing/Circularising Services
  • Answering Service
  • Arbitrators/Mediators
  • Archaeologist
  • Archivist
  • Art Consultants/Directors
  • Biologist
  • Bookbinding Consultant
  • Botanist
  • Business Analyst
  • Business Consultants/Advisors
  • Business Training
  • Calligraphy
  • Careers Advice
  • Catering Consultancy
  • Coaching Service
  • Compliance Consultant
  • Complaint Handling
  • Court Reporters
  • Dispute Resolution
  • Ecologist
  • Economics Consultant
  • Education Advisory Service
  • Expert Witness
  • Feng Shui Consultants
  • Fisheries Consultancy
  • Forklift Training
  • Fuel Efficiency Consultant
  • Funeral Directors
  • Garden Design
  • Genealogists
  • Government Consultants
  • Graphography
  • Home Stager
  • Human Resources Consultant
  • Interior Designer (Non-Structural Work)
  • Inventory Clerks/Consultants
  • Landscape Architect
  • Language Schools
  • Librarian
  • Life Coach
  • Lifestyle Consultant
  • Linguistics
  • Logistics, Traffic and Transport Consultants
  • Management Consultants
  • Map Drawers/Cartographers
  • Marriage Guidance
  • Meteorological Consultants
  • Opinion Polling
  • Ornithology
  • Personal Shopper
  • Photographer/Videographer
  • Private Investigator
  • Procurement Consultant
  • Professional Organizer
  • Proofreading
  • Recruitment Consultants
  • Secretarial/Administrative Services
  • Secretarial Training
  • Signwriting
  • Textile Consultancy
  • Training Consultants

RISKS WE CONSIDER:

  • Access Disability Consultants
  • Accident/Theft Investigators
  • Auctioneers except Property/Realty
  • Bookkeeper (No Tax Work)
  • Calibration Consultant
  • Claims Adjusters
  • Conference/Event Organisers
  • Editorial Consultancy
  • Energy Assessors/Consultants
  • Food Hygiene Consultancy
  • Food Industry Consultancy
  • Forestry Consultant
  • Health & Safety Consultants
  • Leisure Industry Consultants
  • Lighting Design
  • Loss Adjuster/Assessor
  • Low Carbon Consultants
  • Portable Appliance Tester
  • Quality Assurance Consultant
  • Relocation Agent
  • Technical Writer
  • Tourism Consultant
  • Town Planner
  • Trade Association
  • Yacht Broker

CFC

  • Cyber
  • Environmental
  • Excess Coverage-General, Professional, Cyber
  • Kidnap & Ransom
  • Marine Piracy
  • Management Liability
  • Intellectual Property
  • Medical Malpractice
  • Product Recall
  • Professional Liability
  • Property & Casualty
  • Terrorism
  • Transaction Liability
  • Financial Institutions
  • FinTech
  • Digital Healthcare
  • Healthcare
  • Life Science
  • Manufacturing
  • Media & Entertainment
  • Technology

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