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WestPac/Virtus News

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Tuesdays at Ten

Labor Day Office Closure

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

conta.cc/3bwLudC

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| by Steve Brown

09.04.2020

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

conta.cc/3bwLudC

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Tuesdays at Ten

Work Comp Target Classes

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

conta.cc/31v8WEL

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| by Steve Brown

08.26.2020

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

conta.cc/31v8WEL

Read More
Tuesdays at Ten

WRAPs, DirtPac and Snow Removal

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

conta.cc/3idtYwQ

Read More
| by Steve Brown

08.10.2020

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

conta.cc/3idtYwQ

Read More
Tuesdays at Ten

In-House Authority for Lessor’s Risk Only Accounts

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

Read More
| by Steve Brown

07.20.2020

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

Read More
Tuesdays at Ten

Your One Stop Shop for GC’s and Developers!

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

Read More
| by Steve Brown

07.07.2020

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

Read More
Tuesdays at Ten

We Want YOUR Garage Accounts!

Virtus' specialty in writing garage business continues to shine as we regularly bind dealer, repair and other garage accounts. Our underwriting team has carved out a niche within this segment and thus our Agents can trust that their accounts are reviewed and underwritten by an extremely knowledgeable and experienced team.

DEALERS
• Auto Auctions
• Auto or Truck Dealer
• Auto/Truck Brokers
• Boat Dealer
• Consigned Auto Sales
• Equipment Dealers
• Heavy Truck Dealers
• Motorcycle Dealers
• RV/Trailer Dealers
REPAIR
• Auto/Truck Repair
• Boat Repair
• Equipment Repair
• Heavy Truck Repair
• Motorcycle Repair
• RV Repair
• Hail/Dent Repair
OTHER
• Paint & Body Shop
• Car Wash/Detailing
• Parking & Valet
• Service Stations

PROGRAM HIGHLIGHTS
• $750 minimum premium
• Garage Liability, Dealer's Open Lot, and Garagekeepers policies; Also available on a monoline basis
• Garage Liability Limit: Up to $5M available
• Fire Legal Liability Limit: Up to $300K
• New Ventures accepted
• Dealer Open Lot Limit: Up to $5M per location / $250K per auto
• Garagekeepers: Up to $5M per location
• Credits available if no losses
• Risks with large hail losses considered
• Other coverages available: DOC, Theft Buy-Back, False Pretense, and Broadened Coverage endorsement

COMPLETE SUBMISSION
Acords 125/128
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

https://conta.cc/2NEdVv0

Read More
| by Steve Brown

06.30.2020

Virtus' specialty in writing garage business continues to shine as we regularly bind dealer, repair and other garage accounts. Our underwriting team has carved out a niche within this segment and thus our Agents can trust that their accounts are reviewed and underwritten by an extremely knowledgeable and experienced team.

DEALERS
• Auto Auctions
• Auto or Truck Dealer
• Auto/Truck Brokers
• Boat Dealer
• Consigned Auto Sales
• Equipment Dealers
• Heavy Truck Dealers
• Motorcycle Dealers
• RV/Trailer Dealers
REPAIR
• Auto/Truck Repair
• Boat Repair
• Equipment Repair
• Heavy Truck Repair
• Motorcycle Repair
• RV Repair
• Hail/Dent Repair
OTHER
• Paint & Body Shop
• Car Wash/Detailing
• Parking & Valet
• Service Stations

PROGRAM HIGHLIGHTS
• $750 minimum premium
• Garage Liability, Dealer's Open Lot, and Garagekeepers policies; Also available on a monoline basis
• Garage Liability Limit: Up to $5M available
• Fire Legal Liability Limit: Up to $300K
• New Ventures accepted
• Dealer Open Lot Limit: Up to $5M per location / $250K per auto
• Garagekeepers: Up to $5M per location
• Credits available if no losses
• Risks with large hail losses considered
• Other coverages available: DOC, Theft Buy-Back, False Pretense, and Broadened Coverage endorsement

COMPLETE SUBMISSION
Acords 125/128
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

https://conta.cc/2NEdVv0

Read More
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