One good example is snow removal. Several scenarios can be utilized to trigger a claim. There are several ways to establish weather-related coverages that will indemnify the client that exceeds its existing snow removal budget. It can also open doors to the package policy. Most of the markets in this niche provide loss control services which will lower cost to the client and assist the risk manager in maintaining a quality program.
Markets exist that specialize in providing excess over the retained limits.
Target markets include municipalities, districts, authorities, and public entity boards. Rain insurance, event cancellation, special events, and liquor liability also are written. Various A rated admitted and nonadmitted carriers are utilized. Target markets are large municipalities to individual trustees. Packages and individual policies are written.