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UNDERWRITING GUIDELINES

TRAVELERS GUIDELINES


TARGETED OPERATIONS

  • Restaurants
  • Retail Establishments
  • Garage Establishments
  • Schools
  • Manufacturers
  • Artisan Contractors

UNDERWRITING CRITERIA

  • States Available: AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NH, NJ, NM, NV, NY, NC,OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WV, WI
  • Risks must have at least 1 full time employee other than owners
  • Premium levels: Minimum $1,000, no maximum
  • Mod level 1.25; risks with higher experience modifications subject to underwriting review and review of loss runs
  • 24-hour operations acceptable on a case-by-case basis
  • New venture operations must have 3 or more years experience
  • Artisan contractor exposures eligible
  • No trucking risks
  • No risks with work performed above 12 feet or on ladders
  • Supplemental application may be required; typically for manufacturers

MOST COMMON REASONS FOR REJECTION

  • At least 1 class code or phraseology is ineligible
  • Premium too small/too large
  • Answers to General Information questions or operations questions are unacceptable
  • Unfavorable loss experience of loss ratio
  • General contractors
  • Risks who subcontract 25% or more
  • 24 hour convenience stores
  • California contracting risks
  • Transportation or freight forwarding risks
Products and services are offered through Agency Resources, a division of Safehold Special Risk, Inc., dba Safehold Special Risk & Insurance Services, Inc. in California. Safehold is a division of Wells Fargo Insurance and a non-bank insurance agency affiliate of Wells Fargo & Company. Coverage is provided by unaffiliated insurance companies.
Yes

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