For Faster quotes, click on the link below, complete the appropriate application (more applications are located at the Professional Liability and Contractor Links of the website), fax the application back to us at 205-221-5570 24 hours a day-7 days a week. Fax machines operate nights and weekends.  Our Toll Free Fax Line is 1-866-497-8606 open 24/7.

You may also call us at 1-877-896-2886 TOLL FREE during office hours of 9 AM until 4 PM Monday to Friday, CST.  Faxing the application to us is the best method, although we more than welcome your phone calls.  You may want to contact us to make sure you are downloading the correct application.

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After hours and weekends please click on the appropriate link below, fill out the form and fax back to 205-221-5570 or Toll Free at 1-866-497-8606.  Our faxes are open 24/7 and  one of our underwriters will pick up your information first thing the following morning and immediately begin to process it in order to get you the best coverage at the lowest cost possible in the shortest amount of time.

Licensed in Al, AR, CA,GA, IN, MS, MD, TN, TX, FL, SC,OH, MI, MO, OK, NC, NH, NY, NJ, PA, KY and LA.  Affiliations in most other States.

Now offering Ocean Marine Insurance also to include Longshore, Stevedore, Maritime Employers Liability (MEL) , Protection and Indemnity (P&I), Marine General Liability(MGL) , Boat Dealers Package, Marinas (Inland Lake and Ocean), Oil Pollution Liability, Marine Builders Risk, Shipyards, Docks and Piers, Marine Contractors Package, Marine Concessionaires, Charter Excursion Casinos, Marine Workers Compensation and Bumbershoot/Umbrella.

 Commercial Insurance Application  
 Commercial Auto Quote Sheet 
 Commercial General Liability 
   Application - Service & Technical Professional Liability   
Application - General Contractor/Developers Liability 
 Application - Professional Liability 
 Roofers Questionnaire 
 Workers Compensation Application  Product Liability ORH.doc    Title Abstractor Errors and Omissions

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41 individual accounts for Workers Compensation, Multi-State Trucking Operation,  Excavators, General Contractors, Medical Office,  Roofing Contractors,Longshore (USL&H) , Carpenters, Machine Shop, Convenience Stores, Medical Malpractice, Real Estate Broker Errors and Omissions, Directors and Officers,  Restaurants, Product Liability for Retail Operation, Product Liability for a Manufacturer, and many more.  Chances are we can insure your business needs also.

To follow are a few types of insurance, services, locations, insurance companies we represent (directly and indirectly ) as well as  related insurance terminology .  These terms are included for technical reasons.

Alabama Department of Insurance,Georgia Department of Insurance, Georgia Contractor Insurance, Mississippi Contractor Insurance, Tennessee Contractor Insurance, Georgia Insruance, Mississippi Insurance, State Insruance. All States Insurance, Alabama Department of Industrial Relations-Worker's Compensation, Alabama Independent Insurance Agents, Inc. (AIIA), Insurance4USA, Alabama Insurance, Alabama Auto Insurance, NAI-Excess Surplus Lines  Brokers-Home, Insurance Directory of Insurance,  Car,Home, Medical Malpractice, Convenience store, Gas Station Insurance, work comp, workers compensation, employers liability insurance, sexual harrassment coverages, Contractor Liability, Contractors, Workers Compensation, general liability,  general liability insurance, alabama department of insurance, contractor insurance, Safeco.com, commercial general liability insurance, contractor insurance, convenience store insurance, mississippi, Mississippi, Construction, football scores, Contractor, alarm, Alarm, Cable, Cabinet, cable, cabinet, concrete, Concrete, Home Builder, Custom Home Builder, Georgia Business Insurance, Georgia Contractors, Georgia Contractor Insurance, New York, New Jersey, Pennsylvania, Georgia Insurance, General, New Orleans Insurance Agent, Baton Rouge Insurance  Broker, Georgia, Alabama, Texas, Louisianna, Workers Compensation in Mississippi, roofers, Mississippi General Liability, Louisianna, New Orleans Insurance, Employers Liability in Mississippi, Louisianna Roofers Liability, Mississippi Roofers, Roofers General Liability, Malpractice, E & O, Medical, Professional, Medical, Physician, D & O, Artisan Contractors, GC, General Contractor, Travellers, General Liability 22, Auto Owners, Scottsdale, Carpenter, Carpentry, Tow Truck, Progressive, Products and Completed Operations, Electrical Contractors, Plumbing Contractors, Drywall, drywall, fence, Fence, Hurricane, Earthquake, Plumbers, Electricians, Alabama, Texas, Tennessee, Mississippi, Georgia,malpractice, medical malpractice, professional, clinic malpractice, Clinic Malpractice, Janitorial, Residential, Commercial Insurance, Paving, Paving Contractors, Worker's Compensation,  wire, plumber, electrical, sidewalk, building, home, garage, beach, condo, apartment, Work Comp, Remodeling, remodeling, remodel, cabinet, Cabinet, Kitchen, kitchen, Mississippi Workers Compensation, Tennessee Workers Compensation, Employee Benefits, Florida Workers Compensation, Liability, Businss Insurance, General Liability, Progressive Insurance, stucco and plastering, Stucco and Plastering, Wallboard, wallboard, Framing, framing, framing contractor, Safeco, Zurich, Hard to place insurance, Alabama Workers Compensation, Georgia Workers Compensation, Nations Insurance, Roofers, garage liability, Garage Liability, General Contractors, Certificate of Insurance, Workmans Comp Law, Compensation. Risk Management, Coast-to-Coast Coverages, Risk Assessment, Risk Manager, Janitor, Janitorial Liability Insurance, Septic Tank, Septic Tank General Liability, Welding, Welders, Welding Liability, Lawn Service, Liability for Lawn Service, Trucker, Tow Trucks, Property Insurance, National Insurance, Manufacturers, Birmingham, Liability for businesses in Birmingham, AL, buy, buyers liability, Construction, Liability for, suing, legal, homeowners, Jefferson, Jefferson County, Walker, Walker County, Blount, Blount County, Shelby, Shelby County, Texas, Spanish Speaking Insurance Agent, Agent, PIA, IIAA, County, Cheap General Liability, Quick Liability, handyman, Handyman, pool, Pool,  Pavement Contractors General Liability, Travelers, Safeco, Hartford, Penn Star,Wood floors, wood flooring, roofing-hot tar, roofing-no hot tar, tree trimming, tile, grading, Penn National, Competitive Insurance, compensation, workmans comp law Alabama workers Compensation. Petroleum Insurance Institute, Amphibious Worker, Barge Worker, Bin Deck Operator, Blower, Boat Operator, Boilermaker, Book Cler, Burner (shipbreaker), Cargo loader and unloader, cargo operations manager, carpenter, shipwright, checker, chipper, clean-up crew member, ship clerk, computer trainer, container, container maintenance mechanic, container refurbisher, container repairman, container stripper, container stuffer, cooper, cotton header, crane operator, dark room assistant, deck engineer, deckhand, delivery clerk, dispatcher, diver, dockbuilder, dredgeman, driver-courier, fish spotter, fitter, holdman/driver/sorter, hustler, keyman, ironworker, longshoreman instructor, machinist, nuclear shop fitter, offshore oil field worker, offshore platform construction worker, oil gauger, oiler, petroleum inspector, pile driver, pilebutt, pipe clerk, pipe inspector, pipefitter, pondman, pumphouse operator, pumpman, railroad workers, recreational boat inspector, vessel worker, vessek, rigger, roustabout, safety inspector, ship-breaker, shipbuilder, shipbuilder, ship repairman, shipfitter, shipfitter helper, small boat shipbuilder, steel rigger/erector, stevedoring mechanic, stevedore, stripper, swamper, tankerman, terminal laborer, terminal operator, timekeeper, torch operator, track maintenance crew member, trailer interchange receiving man, trainee, utility man, ocean, marine, cargo, ship,Miami-Dade County, Broward County, Palm Beach
County, Coral Gables, Kendall, Richmond Heights, Pinecrest, Howard, Coral Way
Village, Westchester, Westwood Lakes, Brownsville, Sweetwater, Key Biscayne,
North Bay Village, Miami Beach, Miami Springs, Virginia Gardens, Hialeah, El Portal,
Miami Shores, Indian Creek, Surfside, Bal Harbour, North Miami, Biscayne Park,
Pinewood Park, Opa Locka, Bunche Park, Hialeah Gardens, Palm Springs North, Carol
City, Miami, Norland, Ojus, Miami Lakes, Biscayne Gardens, Hallandale, Sunny Isles
Beach, Golden Beach, Aventura, Uleta, Miramar, Pembroke Pines, North Miami Beach,
Hallandale Beach, Ives Estates, Pembroke Park, Hollywood, Dania Beach, Cooper City,
Davie, Weston, Plantation, Playland Isles, Melrose Park, Lauderhill, Sunrise, Tamarac,
Fort Lauderdale, Wilton Manors, Oakland Park, Lauderdale Lakes, Sea Ranch Lakes,
Pompano Beach, Margate, Coral Springs, North Lauderdale, Lighthouse Point,
Hillsboro Beach, Coconut Creek, Deerfield Beach, Boca Raton, The Hamptons,
Highland Beach, Boca West, Delray Beach, Boca Pointe, Boynton Beach, Lantana,
Rainbow Lakes, Atlantis, Lake Worth, South Palm Beach, Palm Springs, Greenacres,
Wellington, Haverhill, Palm Beach, Golden Lakes, Riviera Beach, Glen Ridge, West
Palm Beach, Lake Park, Royal Palm Beach, Jupiter, Juno Beach, North Palm Beach,
Loxahatchee, Belle Glade, Palm Beach Shores, South Miami, Cutler Ridge, Princeton,
Perrine, Naranja, Homestead, Florida City, Leisure City, Marathon, and Key West, FL Vessel

Owners and Operators (Including limited criminal penalties),
Cargo Owners
Ship Yards (Repairers and Builders)
Yachts and Yacht Dealers
Mobile Drilling Units
Public Vessels
Tow Risks
Scrapping Risks
Banks (Repossessed Vessels)
Marina Owners & Operators
Non-vessel OwnersClean-up
Third party property damage
Subsistence
Assessment of and damage to natural resources
Loss of revenues and profits by third parties
Loss of public services
Defense
Investigation
Advertising
Civil penalties
Criminal fines
Defense and interest.

We Now Offer Marine Insurance  and have included some terminology and definitions for our clients:

Admiralty – refers to the common law of the sea, enforced by the federal Courts.  Seamen have certain rights and remedies against their employers under Admiralty Law, if injured on the job or during a voyage.

Jones Act – a federal law that extended the Federal Employer’s Liability Act (FELA) to give injured seamen the right to sue their employer in federal Admiralty courts for their work-related injuries.

Longshore – literally means “along the shore”. Refers to maritime employment, other than work as a seaman. Includes work building and repairing ships, loading and unloading ships, construction or repair of structures to enable waterborne commerce, and other work on or near navigable waters in support of waterborne commerce.

Maritime – generally means “pertaining to the sea”. In connection with the USL&H Act, “maritime” work means work that meets the “situs” and “status” tests, including  building and repairing ships, loading and unloading ships, construction or repair of structures that enable waterborne commerce, and other work on or near navigable waters in support of waterborne commerce.  Also references work in connection with the Jones Act.

Marina – a property or premises that provides waterfront facilities for recreational boating activities, typically launching, docking, storing, fueling and incidental servicing of boats.

MEL – “Marine Employers Liability” coverage, often provided under a P & I policy or monoline, to protect the employer against his liabilities under the Jones Act and Admiralty law for injury to his employed seamen.   Known as “Maritime Coverage” when provided as an endorsement to a Workers’ Compensation Insurance Policy.

Navigable water – a body of water or waterway which enables travel (in any size vessel) from one state to another or to the Gulf of Mexico or to an ocean

Political subdivision – is a unit of the federal or any state, county, or municipal government, or an agency established by one of them, such as a water district, or school district, or a recreational district

Situs – having “situs” means the work is on or adjacent to navigable waters.

Status – having “status” means the work is generally “maritime” in character, unless specifically excluded in the Longshore and Harbor Workers Act. Work as an employee of a political subdivision is also excluded.

Seaman – a maritime employee who works on a “vessel”, contributes to the functioning of the “vessel” and the accomplishment of its mission, and has a connection to the vessel or a commonly owned group of vessels.  The general working precedent is that an employee needs to spend at least 30% of their time on this vessel or group of vessels to be considered a “seaman”.

USL&H – means the United States Longshore and Harbor Workers Compensation Act, a federal law in many respects like any state’s Workers’ Compensation law, except that it only applies to employers and employees engaged in maritime work.

Vessel – is a ship, boat, barge, or navigable work platform of any size.

Marine Insurance Terminology
This is a general guide only, individual circumstances and policy forms vary.

Bareboat Charter
The charter of a vessel without captain/crew.


Blue Water Vessel
One that sails outside the U.S., typically ocean-going or to/from the Caribbean.


Brown Water Vessel
A vessel, most typically a tug/barge, that operates in the river system or coastal U.S.


Bumbershoot
See umbrella.


Collision Liability
Liability for physical damage to another vessel you might hit. Typically included in the hull policy up to the limit of that hull policy.


DBA - Defense Base Act
A federal workers compensation program for private workers on a U.S. Defense base. It is usually required by contract, and is most frequently covered as part of an international policy.


DOHSA - Death on the High Seas Act
Available to seaman and non-seaman, A tort-based action for anyone who is killed upon the high seas beyond U.S. territorial water.


Excess
See Umbrella.


Hull
Physical damage to your own vessel.


Jones Act
The Merchant Marine Act of 1920, allows seamen a remedy to sue their employer for negligence in the event of injury or illness incurred in service of the vessel.


LOLL - Landing Owners Legal Liability
The inland version of Wharfingers Legal Liability. See below.


M&C - Maintenance & Cure
An absolute, “no-fault” liability to seamen (captain and crew). Maintenance is living expenses Cure is medial expenses incurred until maximum medical improvement.


Marine Umbrella
See Umbrella.


MEL - Maritime Employers Liability
A method of insuring an employer's liability under Admiralty law (Jones Act, Maintenance & Cure etc.) to his employees. It provides similar coverage for employers as contained in a P&I policy. It does not cover Longshore or any third-party liabilities.


MGL - Marine General Liability
Similar to a normal general liability policy, it is something adapted to expand or eliminate the watercraft exclusion. Typically includes products/complete operations and all usual CGL coverages. It is often based on older versions of CGL forms.


MOLL - Marina Operators Legal Liability
Coverage for physical damage to vessels in the care custody and control. Often limited to “private pleasure vessels” only.


OCSLA - Outer Continental Shelf Lands Act
A federal workers compensation act which allows fixed platform workers on the Outer Continental Shelf access to the Longshore Act.
ORVA - Oceanographic Research Vessel Act
Allows scientists on officially classed research vessels access to the same benefits as seamen, without having to qualify under the Jones Act or sign seaman's papers.


P&I - Protection and Indemnity
The marine equivalent of Automobile Liability, it covers the liability of a boat owner for bodily injury and property damage. It may include or exclude liability to captain or crew.


Srll - Ship Repairers Legal Liability
Physical damage to vessels, their cargo, and equipment in your care custody and control for the purpose of being repaired, or serviced.


StLL - Stevedores Legal Liability
Liability for cargo being loaded or unloaded from a vessel and damage to a vessel. Usually written with Terminal Operators Legal Liability in a combined form.


TLL - Terminal Operators Legal Liability
Liability for cargo in your care custody and control at a terminal prior to loading or after discharge from a vessel. Most commonly written in combination with Stevedores Legal Liability.


Towers Liability
Liability to a vessel and its cargo that you are towing or pushing.


Umbrella
Or marine umbrella. A combined excess policy. Sometimes has a dropdown provision. May or may not be excess over EL, Automobile or other non-marine policies. Wordings vary greatly.


USL&H
Longshoreman’s and Harbor Workers Compensation Act. (Actually should be LHWCA). It is a federal workers compensation program designed predominately for “dockside” workers.


Wet Charter
The charter of a vessel with a captain/crew.


WhLL - Wharfingers Legal Liability
The marine version of “garage keepers legal liability.” Covers damage to vessels and their cargo which is in the insured’s care custody and control for storage, mooring, docking etc. Usually specifically excludes any repair work.

Jones Act,USL&H,longshore and harbor workers act,workers' compensation,commercial marine,marine liability,marine contractor,marine insurance,yacht insurance,cargo coverage,marine cargo,motor truck cargo,cargo legal liability,tug boat,yacht policy,remotely operated vessel,longshoreman coverage,marine contractor,boat insurance,barge insurance,contractors coverage,dive contractors,diving contractors,commercial vessel coverage,ROV insurance,tug & barge,LHWCA, Lloyds of London, Lloyds, Gulf of Mexico

 Product Liability ORH  

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