General Liability

Target Classes:

  • Lessor’s Risk
  • Vacant Land or Buildings
  • Truckers
  • Sales, Service and Consulting
  • Distributors
  • Homeowner Associations
  • Employment Agencies
  • Trade Schools
  • Real Estate Development
  • Machine Shops
  • Manufacturing
  • General Contractors
  • Artisan Contractors
    (e.g. Carpentry/Handyman/Grading of Land)
  • Construction Managers
  • Owners & Contractors Protective
  • Habitational (Apartments/Rental Dwellings)
  • Bar/Restaurants

Available Coverage Options:

  • Per Project/Per Location Aggregate
  • Primary & Non-Contributory
  • Waiver of Subrogation
  • Employee Non-Owned Auto
  • Employee Benefits Liability
  • Stop Gap (ND, OH, WA, & WV) – Non Contractor Risks Only
  • Property Damage Extension
  • Assault and Battery Coverage
  • Lost Key Coverage
  • Errors & Omissions Coverage
  • Liability for Guests’ Property
  • EPLI

Commercial Property

Target Classes:

  • Retail/Mercantile
  • Lessor’s Risk
  • Vacant
  • Builder’s Risk (Ground Up or Renovation)
  • Machine Shops/Manufacturing Risks
  • Hotels/Motels
  • Bar/Restaurants
  • Rental Dwellings
  • Apartment Buildings

Coverage Options:

  • Enhanced Property Extension
  • Building Ordinance & Law Coverage
  • Equipment Breakdown
  • Spoilage Coverage
  • Sign Coverage

General Liability

Target Classes:

  • Lessor’s Risk
  • Vacant Land or Buildings
  • Truckers
  • Sales, Service and Consulting
  • Distributors
  • Homeowner Associations
  • Employment Agencies
  • Trade Schools
  • Real Estate Development
  • Machine Shops
  • Manufacturing
  • General Contractors
  • Artisan Contractors
    (e.g. Carpentry/Handyman/Grading of Land)
  • Construction Managers
  • Owners & Contractors Protective
  • Habitational (Apartments/Rental Dwellings)
  • Bar/Restaurants

Available Coverage Options:

  • Per Project/Per Location Aggregate
  • Primary & Non-Contributory
  • Waiver of Subrogation
  • Employee Non-Owned Auto
  • Employee Benefits Liability
  • Stop Gap (ND, OH, WA, & WV) – Non Contractor Risks Only
  • Property Damage Extension
  • Assault and Battery Coverage
  • Lost Key Coverage
  • Errors & Omissions Coverage
  • Liability for Guests’ Property
  • EPLI

Inland Marine

Commercial Target Classes:

  • Contractors’ Equipment
  • Bailee’s/Customer’s Goods
  • Installation Floater
  • Scheduled Property Floater
  • Electronic Data Processing (EDP)
  • Sign Coverage
  • Motor Truck Cargo
  • Trip Transit
  • Miscellaneous equipment
  • Dealer’s Open Lot

Personal Target Classes:

  • Jewelry
  • Fine Art
  • Furs
  • Cameras
  • Wine Collections
  • Contents in Storage
  • Coins/Bullion in Bank Vault
  • Stamp and Coin Collections
  • Silverware
  • Collectibles
  • Guns
  • Musical Instruments
  • Rugs
  • Books
  • Antique Furniture

Programs (GL)

Target Classes:

  • Demolition Contractors
  • Homeowners Associations
  • Houseflippers
  • Health Care Providers (PL/GL)
  • Home Health Care Providers (PL/GL)
  • Exercise and Health Studios (PL/GL)
  • Non-Emergency Medical Transport (PL/GL)
  • Special Events (Spectator Liability)
  • Premises Only
  • Property Preservation
  • Wind/Sun Energy

Garage Liability/GKLL

Target Classes:

  • Automobile Repair and Body Shops
  • Car Washes
  • Gasoline Service Stations
  • Storage Garages and Public Parking
  • Valet Operations

Professional Liability

Atain offers customized coverage solutions designed to protect businesses from a wide range of claims and potential losses with flexibility to write numerous coverages under one single policy and class specific enhancements. For qualified risks, we offer up to $5M limit capacity for Professional Lines on our highlighted products and targeted classes of business on a Primary or Excess basis.

Target Classes:

Allied Medical & Social Services Liability:

  • Case Management
  • Community Services
  • Home Healthcare/Home Hospice
  • Home Medical Equipment
  • Medical Testing and Imaging
  • Outpatient Drug/Alcohol Treatment
  • Outpatient Therapy and Rehabilitation
  • Temporary Staffing

Excess Professional Liability (Excess PL):

  • All Risks that Meet our Current Primary PL Profile

Home Inspectors E&O Liability:

  • Commercial Inspector
  • Residential Home Inspector
  • Safety Compliance Inspector

Management Liability (ML) including D&O, EPL & Fiduciary:

  • Artisan Trade Contractors (HVAC, Electrical & Plumbing)
  • Healthcare (Doctor’s office, Clinic, Same Day Surgery Center & Laboratory)
  • Heavy & Home Construction
  • Hospitality
  • Manufacturing (Durable & Non-Durable Goods)
  • Personal & Professional Services
  • Retail
  • Wholesale Distribution (Durable & Non-Durable Goods)

Miscellaneous Errors & Omissions (Misc E&O) Liability:

  • Consultants
  • Court Reporter
  • Interpreter/Translator
  • Process Server
  • Professional Organizer
  • Property Management
  • Staffing Agency
  • Tax Preparation/Bookkeeper

Nonprofit Directors & Officers and Employment Practices Liability (NP D&O/EPL):

  • Art Group
  • Community/Civic Center
  • Educational Service
  • Foundations
  • Historical Society
  • Membership Organization
  • Professional Association
  • Social Service Organization

Technology E&O (Tech E&O) Liability:

  • Computer Programmer
  • IT Consultant
  • IT Staffing
  • Software Developer
  • Website Developer