One of Bell & Clements greatest assets is our access to the capacity provided by Great Lakes Insurance, a leading operator in the primary market. Our role is to connect US wholesale brokers and managing general agents with this capacity in E&S lines.
Our focus and target business is short tail, property-driven, small to medium sized risks including catastrophe exposure. Our expertise, combined with our access to Great Lakes capacity, allows us to consider all opportunities you may have within the E&S market, including general liability (as part of a package policy), personal lines, transportation and larger value risks.
Areas of Expertise:
Providing flexibility of rate and terms, we can offer access to natural catastrophe capacity and offer prescriptive as well as non-prescriptive options on classes or risk attributes. We will also consider providing primary and excess as well as full value business.
Our focus is on homeowners and dwelling business, but we will also consider mobile homes. As with our commercial property offering, we offer flexibility of rate and terms and access to natural catastrophe capacity as well as prescriptive and non-prescriptive options on risk attributes, and high per risk capacity.
High Value Homes
Alongside our direct single risk capabilities, and sometimes combined with them, we can offer larger homeowner risk limit contracts in both cat and non-cat territories.
Investor Owned Property
We can offer coverage for smaller schedules of professionally managed Investor portfolios to specialist coverholders.
We can provide lender-placed insurance solutions for force placed business including fire/hazard, flood, wind, and REO.
Auto physical damage (APD), Dealers’ open lot (DOL), Garage keeper’s legal liability (GKLL), Motor truck cargo (MTC) and other inland marine risks are considered.
Earthquake and Difference in Conditions
We can consider stand-alone earthquake or full DIC coverage and provide flexible or guided rating and high per risk limit. Natural catastrophe capacity is available in high hazard territories and primary and excess is considered in addition to full value business.
We offer private flood coverage for both residential and commercial risks on a primary (including full value) and excess basis to specialist coverholders.