DirtPac has been a HUGE success since we rolled out our admitted exclusive program a few months ago. Below are some recent examples of classes that have very high hit ratios within this program. 

Excavation - 94007

·    Foundations

·    Sewer Lines

·    Septic Tanks/Systems

·    Trenching

·    In-ground Conduit Piping

Land Grading - 95410

·    Land Prep

·    Road Prep - Subdivisions/Tracts

·    Coverage up to main road

Landscaping - 97047

·    Irrigation Installation

·    Sod Installation

Concrete Work - 91560

·    Sidewalks

·    Gutters

·    Curbs

Exclusive Admitted General Liability carrier in select states, including Arizona, Colorado, Nevada & Oregon!

Targeting Excavation, Grading, Landscaping & Concrete

Snow Removal capabilities

·    Admitted and Non-Admitted options

·    Up to 100% pure snow contractors accepted

·    Rooftop snow removal accepted

·    New Ventures / No Priors considered

·    Subcontracted exposure accepted

No tract home limitations with some markets

No Continuous/Progressive or Prior Acts Language

New Residential, New Commercial, Industrial, Municipal and Oil & Gas accepted

New ventures accepted

Additional policy options available for Workers’ Compensation, Inland Marine, Pollution Liability

Subsidence/earth movement coverage

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Our offices will be closed on Monday September 7th, in observance of Labor Day. We hope all of our agents and partners get a chance to relax and enjoy time with loved ones.

"Find something you love to do, and you'll never have to work a day in your life."
-Harvey Mackay

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WestPac & Virtus continue to offer competitive Workers' Compensation options as we are constantly looking to bring additional value to our agent partners. Unique to most wholesalers, we have comprehensive programs designed to fit your contractor and non contractor needs. We continue to have success with each of our carrier options with a variety of risks, both small and large.

Construction

· Excavation

· Drywall

· Plumbing

· Concrete

· Electricians

· Roofing

· Framing

· Painting – Interior

· Landscape/Lawn Care

· Pest Control

· HVAC – Installation, Service and Repair

· Tile, Stone, Marble, Mosaic or Terrazzo Work Insurance Companies – All Employees

Non-Construction

· Churches

· Other non-profits

· Hotels/Motels

· Bars/Taverns

· Breweries

· Distilleries

· Grocery Stores

· Building or Property Management

· Store: Wholesale / Retail - NOC

· Carpet Install/Cleaning

· Attorney – All Employees

· Physician & Clerical

· Automobile - Body Repair, Salespersons, Repair Shop

· Restaurants - Including Fast Food

· Child Care Center – All Employees

· YMCA, YWCA, YMHA or YWHA – All Employees

· Auditor, Accountant or Computer Programmer

Submission Requirements:

Acord Application 125 & 130

E-Mod Worksheet

3-5 years Loss Runs

WC Supplemental Application

Program Details

• Admitted "A" rated carriers with A.M. Best

• Claims management teams and loss control specialists assigned to each risk

• High commissions!

• High E-Mods considered

• Multi-state operations acceptable

• New Ventures - Lapses considered

• Non-Construction

• Additional options for General Liability, Inland Marine, Property & Excess

• Quarterly, Semiannual, or Annual claims review meetings with client as is appropriate for their circumstances

• Very flexible class code consideration

• "Pay as you go" options available

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Today's restrictive General Liability Insurance climate requires creativity when working with new construction developments. WestPac has the knowledge and experience to quote a WRAP for any construction project and would love to assist Independent Agents with their construction Developers/GC's.

Program Highlights
• Our carriers are recognized as industry leaders nationally
• Residential and Commercial Projects Accepted Including Condominiums, Townhomes, "Tract" Homes, Single Family Custom Homes, Apartments, Commercial Retail/Office, Storage Facilities, Infrastructure, and Energy Projects
• Multi-family projects are highly desired - most subcontractors have multi-family exclusions
• Low minimum premiums
• Various deductible/SIR options available
• 12 to 48 month policy terms - options for the policy to respond to project "phases"
• Rolling WRAP programs available
• Integrated risk management partners for third party administration and QA/QC services
• Pollution WRAP policies, Builder's Risk, and Excess Liability also available

Why Choose a WRAP?
• Assured coverage for all subcontractors
• One defense representation in the event of a loss
• No fault allegations to be determined in the event of a loss
• Common goals shared by all subcontractors - cooperative risk management, safety, and quality work
• Completed Operations extended to statute of repose
• Third Party Administrator services ease troublesome subcontractor contract coordination
• Subcontractor premium recovery - Owner/Contractor doesn't need to cover the total premium cost

WESTPAC'S DirtPac PROGRAM
• Exclusive Admitted General Liability carrier in select states, including Arizona, Colorado, Kansas & Missouri
• Multiple E&S carrier options throughout the Western U.S.
• Targeting Excavation, Grading, & Landscaping
• Snow Removal capabilities
     • Admitted and Non-Admitted options
     • Up to 100% pure snow contractors accepted
     • Rooftop snow removal accepted
     • New Ventures / No Priors considered
     • Subcontracted exposure accepted
• Concrete and more work accepted
• No tract home limitations with some markets
• No Continuous/Progressive or Prior Acts Language
• Subsidence/Earth Movement coverage available
• AI for Ongoing and Completed Operations, Primary and Noncontributory, Waiver of Subrogation, and Per Project Aggregate available
• New Residential, New Commercial, Industrial, Municipal and Oil & Gas accepted
• New ventures accepted
• Low deductible options available
• Minimum Premium as low as $2,500
• Additional policy options available for Workers’ Compensation, Inland Marine, Auto, Umbrella and Pollution Liability
• Integrated third-party risk management services available

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Virtus Underwriting Group has in house authority for a wide range of Lessor's Risk Only submissions. Whether habitational, commercial, or industrial risks, we can provide multiple solutions to cater to the insured. While we can entertain larger accounts, our most competitive markets that provide underwriting authority prefer risks that have less than $10 Million TIV per policy.

PROGRAM HIGHLIGHTS

· $10M TIV capacity per policy*

· *Larger TIVs considered on a submit basis

· Flat wind/hail deductibles available

· Flexible policy periods

· Various property enhancements available

· High protection classes accepted

· PC 10 considered by referral

· Historic buildings considered

· Updates within the last 35 years preferred

· Highly competitive rates for all structure types

· Most classes considered for Lessor's Risk Only

· Residential Condominiums, Dwellings, Apartments, Hotels/Motels accepted

· Student housing, Section 8, and elderly care facilities accepted

· Additional challenging business tenants accepted including cannabis operations, bars/restaurants, garage operations, and manufacturing

COMPLETE SUBMISSION

Acords 125/140
Completed Supplemental
3-5 years loss runs
*Target Premium

WESTPAC'S DirtPac PROGRAM

• Exclusive Admitted General Liability carrier in select states, including Colorado
• Multiple E&S carrier options throughout the Western U.S.
• Targeting Excavation, Grading, & Landscaping
• Snow, concrete, and more work accepted
• No tract home limitations with some markets
• No Continuous/Progressive or Prior Acts Language
• Subsidence/earth movement coverage
• AI for Ongoing and Completed Operations, Primary and Noncontributory, Waiver of Subrogation, and Per Project Aggregate available
• New Residential, New Commercial, Industrial, Municipal and Oil & Gas accepted
• New ventures accepted
• Low deductible options available
• Minimum Premium as low as $2,500
• Additional policy options available for Workers’ Compensation, Inland Marine, Auto, Umbrella and Pollution Liability
• Integrated third-party risk management services available

conta.cc/2Wza1Zg

WestPac is your entrusted source for Contractor’s General Liability Insurance for all Residential and Commercial GC's and Developers. With unique expertise in the construction industry, WestPac provides agents with highly competitive products for all of your construction risks.

Program Highlights:
• Only AM Best "A" rated markets
• Minimum premiums as low as $1,250
• ADMITTED options available in CO and UT
• Owners/Developers accepted
• Custom home builders, semi-custom, tract, and multi-family builders all accepted
• Binding and brokerage markets available
• Project Specific, WRAP, Pollution, Builder's Risk, Inland Marine, Property, and Umbrella/Excess Policies all also available for Home Builders

Coverage Options:
• Subsidence/Earth Movement
• Per Project Aggregate
• Additional Insured for Ongoing and Completed Operations
• Primary/Non-Contributory wording and Waiver of Subrogation
• Coverage for work performed by subcontractors
• Higher primary limits available
• Various deductible options
• Integrated industry partnerships with 3rd party Warranty, QA/QC, Associations, and Risk Management firms

WRAP PROGRAMS

WRAP Programs:
• Townhomes
• Condominiums
• Mixed-Use Projects
• Single Family Homes
• Apartment Builds
• Senior Living Facilities
• Schools
• Other Commercial Structures
• Street/Road Projects

Why choose a Wrap?
• Assured coverage for all subcontractors
• One defense representation in the event of a loss
• No fault allegations to be determined in the event of a loss
• Common goals shared by all subcontractors – cooperative risk management, safety, and quality work
• Completed Operations extended to statute of repose
• Third Party Administrator services ease troublesome subcontractor contract coordination
• Subcontractor premium recovery – Owner/Contractor does not need to cover the total premium cost

Key Highlights:
• Our carriers are recognized as industry leaders nationally
• Multi-family projects are highly desired – many subcontractors have multi-family exclusions
• Low minimum premiums
• Various deductible/SIR options available
• 12 to 48 month policy terms – options for the policy to respond to project “phases”
• “Pay as you Sell” options often available – Completed Operations premium is paid when certificate of occupancy or individual units are sold
• Rolling Wrap programs available
• Integrated risk management vendors – Third Party Administrators and QA/QC companies
• Pollution Wrap policies, Builder’s Risk, and Excess Liability also available

COMPLETE GENERAL LIABILITY SUBMISSION
Acords 125/126
Completed Supplemental
3-5 years loss runs
*Target Premium

3rd Annual 1Club Charity Classic
WestPac/Virtus' 3rd Annual 1Club Charity Classic is currently scheduled as planned and we’re thrilled that player and sponsor spots are filling up. Don't miss your opportunity to sponsor a hole and/or put a foursome together for the most unique golf tournament of the year! We were able to raise over $9,000 for HomeAid Colorado last year thanks to our sponsors and participants!

Due to overwhelming support of extending this format, we will be playing a FULL 18 HOLES! Thank you to all of our partners for making this amazing event a reality with your participation and generosity!

*Due to current COVID-19 conditions, only a hole sponsor sign will be allowed on tee boxes. Currently, no sponsors will be allowed to sit on the tee box, hand out swag, etc... We will pass along the most updated information to players and sponsors as we know more.

Find our more information here: conta.cc/2Dkvs9B