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Large Risk Links
               Underwriting Guidelines

Due to the many classes of business we will entertain and the varied exposures presented by large accounts, the specific underwriting guidelines by line of business could be numerous.  The following guidelines will generally apply to all accounts.  




            No bankruptcy proceedings for the past seven years, financially sound

     Management with at least five years experience

     Formal safety program in place

     No coastal property, tier-one wind counties, within 25 miles of the shore, unless excluding wind coverage

     No EQ in high-risk zone 1, EQSL may be available

     ISO construction class 1 and 2 must be sprinklered if total insured value exceeds $3milllion

     No Protection Class 9 & 10, unless incidental to overall account

     Management reviews driving records and enforces acceptability standards to retain driving responsibilities





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