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Binding

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Property

Our Contract Binding team targets property risks on over 160 classes of business, with a focus on light to medium hazard commercial risks. Through our select group of carriers, we are able to offer property coverage capacity with limits of up to $4M/location, $7.5M schedule TIV, with available wind coverage options. 

We target the classes listed below.

  • TIV up to $4MM/per location
  • TIV up to $7.5MM/schedule
  • Available wind coverage options
  • Quick turnaround
  • General Contractors (up to 100% subcontracted)
  • Artisan Contractors:
    • Alarm installation
    • Animal removal/pest control
    • Carpentry
    • Concrete construction
    • Crane operators
    • Debris removal
    • Demolition
    • Door/window installation
    • Drywall installation
    • Electricians
    • Excavation/Land grading
    • Fence installation & repair
    • Fire Extinguishers- sales & service
    • Flooring installation
    • Handyperson
    • Holiday decoration contractors
    • HVAC
    • Insulation work
    • Janitorial services
    • Landscapers
    • Loggers
    • Machinery- install/service/repair
    • Masonry
    • Metal Erection
    • Painters
    • Pilot cars(GL)
    • Plumbers
    • Roofers
    • Salvage operations
    • Security guard
    • Septic & sewer install/cleaning
    • Sign installation & repair
    • Snow removal (state dependent)
    • Solar contractors
    • Swimming pool installation
    • Swimming pool- service
    • Tree trimming
    • Truckers
    • Water & sewer contractors
    • Welders
    • Window washers
  • Residential
  • Commercial
  • Industrial
  • OCP
  • Flippers
  • Construction Managers
  • Owners-interest GL
  • Land under development
  • Property managers

Vacant Buildings:

    • Under Renovation/Rehab
    • Builder’s Risk
    • Construction already started
    • Flat/no co
  • OCP (Limits to $5MM/$5MM)
  • Owners interest GL
  • Flippers
  • Mill buildings
  • Partial occupancy

Land:

  • Development land
  • Hunt & fish clubs
  • Land leased to others
  • Solar arrays
  • Vacant land
  • Guides & outfitters
  • Beauty products
  • Candles
  • Clothing
  • Construction products
  • Electronics
  • Floor covering
  • Food products
  • Furniture
  • Insect repellents
  • Non-invasive medical
  • Office equipment
  • Optical goods
  • Signs
  • Soaps & detergents
  • Sporting goods
  • Tools
  • Toys
  • Wood products
  • Airbnb/VRBO/Short term
  • Apartment buildings
  • HOA/Condo/townhouse Assn
  • Dwellings/seasonal dwellings
  • Halfway house/sober living
  • Mobile home parks
  • Real estate property managers
  • Real estate schedules/REO
  • Rental dwellings
  • Student housing
  • Subsidized housing
  • Advertising signs
  • Auto dismantling
  • Auto repair & service
  • Beaches
  • Boat/watercraft rental
  • Campgrounds
  • Car washes
  • Churches
  • Clubs
  • Consultants
  • Day Care
  • Equipment repair & service
  • Guides & outfitters
  • Health Clubs
  • Hunt clubs/preserves
  • Parking lots
  • Solar arrays
  • Special events
  • Swimming pools
  • Warehouses

Hospitality:

  • Restaurant
  • Hotel/Motel
  • Caterers
  • Bed & Breakfast
  • Food trucks/vendors
  • Bars/taverns
  • Breweries
  • Dance halls
  • Concerts
  • Billiard/pool halls
  • Bowling alleys
  • Halls

Retail:

  • Beauty salon/spa
  • Clothing stores
  • Commercial LRO’s
  • Convenience stores
  • Gas stations
  • Grocery store
  • Laundromats
  • Mall
  • Marijuana biz – LRO’s
  • Marijuana dispensaries
  • Online retailers
  • Pawn shops
  • Rental stores
  • Salvage goods resellers
  • Tanning Salons
  • Arcades
  • Batting cages
  • Bingo games
  • Carousels
  • Children’s rec centers
  • Coin-op rides
  • corn mazes
  • haunted hayrides
  • Hay rides
  • Inflatables
  • Paintball courses
  • Petting zoos
  • Rifle/Pistol ranges
  • Skating rinks – roller & ice
Coverage

  • TIV up to $4MM/per location
  • TIV up to $7.5MM/schedule
  • Available wind coverage options
  • Quick turnaround
Construction

  • General Contractors (up to 100% subcontracted)
  • Artisan Contractors:
    • Alarm installation
    • Animal removal/pest control
    • Carpentry
    • Concrete construction
    • Crane operators
    • Debris removal
    • Demolition
    • Door/window installation
    • Drywall installation
    • Electricians
    • Excavation/Land grading
    • Fence installation & repair
    • Fire Extinguishers- sales & service
    • Flooring installation
    • Handyperson
    • Holiday decoration contractors
    • HVAC
    • Insulation work
    • Janitorial services
    • Landscapers
    • Loggers
    • Machinery- install/service/repair
    • Masonry
    • Metal Erection
    • Painters
    • Pilot cars(GL)
    • Plumbers
    • Roofers
    • Salvage operations
    • Security guard
    • Septic & sewer install/cleaning
    • Sign installation & repair
    • Snow removal (state dependent)
    • Solar contractors
    • Swimming pool installation
    • Swimming pool- service
    • Tree trimming
    • Truckers
    • Water & sewer contractors
    • Welders
    • Window washers
  • Residential
  • Commercial
  • Industrial
  • OCP
  • Flippers
  • Construction Managers
  • Owners-interest GL
  • Land under development
  • Property managers
Vacant Buildings & Land

Vacant Buildings:

    • Under Renovation/Rehab
    • Builder’s Risk
    • Construction already started
    • Flat/no co
  • OCP (Limits to $5MM/$5MM)
  • Owners interest GL
  • Flippers
  • Mill buildings
  • Partial occupancy

Land:

  • Development land
  • Hunt & fish clubs
  • Land leased to others
  • Solar arrays
  • Vacant land
  • Guides & outfitters
Manufacturers/Distributors

  • Beauty products
  • Candles
  • Clothing
  • Construction products
  • Electronics
  • Floor covering
  • Food products
  • Furniture
  • Insect repellents
  • Non-invasive medical
  • Office equipment
  • Optical goods
  • Signs
  • Soaps & detergents
  • Sporting goods
  • Tools
  • Toys
  • Wood products
Habitational

  • Airbnb/VRBO/Short term
  • Apartment buildings
  • HOA/Condo/townhouse Assn
  • Dwellings/seasonal dwellings
  • Halfway house/sober living
  • Mobile home parks
  • Real estate property managers
  • Real estate schedules/REO
  • Rental dwellings
  • Student housing
  • Subsidized housing
General

  • Advertising signs
  • Auto dismantling
  • Auto repair & service
  • Beaches
  • Boat/watercraft rental
  • Campgrounds
  • Car washes
  • Churches
  • Clubs
  • Consultants
  • Day Care
  • Equipment repair & service
  • Guides & outfitters
  • Health Clubs
  • Hunt clubs/preserves
  • Parking lots
  • Solar arrays
  • Special events
  • Swimming pools
  • Warehouses
Retail & Hospitality

Hospitality:

  • Restaurant
  • Hotel/Motel
  • Caterers
  • Bed & Breakfast
  • Food trucks/vendors
  • Bars/taverns
  • Breweries
  • Dance halls
  • Concerts
  • Billiard/pool halls
  • Bowling alleys
  • Halls

Retail:

  • Beauty salon/spa
  • Clothing stores
  • Commercial LRO’s
  • Convenience stores
  • Gas stations
  • Grocery store
  • Laundromats
  • Mall
  • Marijuana biz – LRO’s
  • Marijuana dispensaries
  • Online retailers
  • Pawn shops
  • Rental stores
  • Salvage goods resellers
  • Tanning Salons
Amusement Centers

  • Arcades
  • Batting cages
  • Bingo games
  • Carousels
  • Children’s rec centers
  • Coin-op rides
  • corn mazes
  • haunted hayrides
  • Hay rides
  • Inflatables
  • Paintball courses
  • Petting zoos
  • Rifle/Pistol ranges
  • Skating rinks – roller & ice

 

Contacts

 

Emily Gosch
Emily Gosch

VP, Broker

Dallas, TX

Office: 469.320.4035

Fax: 866.495.9044

moc.sikcerb@hcsoge

Ian Gilchrest
Ian Gilchrest

SVP, Sr. Underwriter

Portland, ME

Contract Binding

Office: 207.808.4947

Cell: 207.232.4746

moc.sikcerb@tserhcligi

Teri Colburn
Teri Colburn

Regional VP, Managing Broker

Charlotte, NC

Cell: 704.579.3231

moc.sikcerb@nrubloct

Matthew Hoeft
Matthew Hoeft

VP, Broker

Dallas, TX

Office: 469.320.4036

Cell: 972.814.4339

moc.sikcerb@tfeohm

“Again, I want to thank you for all your help! I really do appreciate it. I don’t think there are many companies out there who would be willing to work with us as much as you did!!”

Insurance Agency Office Manager

Property was last modified: January 16th, 2024 by Caren Henry