Our team is extremely specialized, passionate and highly invested in each one of our partnerships with insurance agents, brokers and carriers. When you work with Breckenridge Insurance, you won’t get lost in a sea of 6,000 brokers or endless bureaucracy. Our expert brokerage, binding, programs support team members are reliable and responsive and aim to serve as the behind-the-scenes force to help grow your business. We support our clients throughout the entire process to ensure the right product is placed for each individual insured’s needs.
We appreciate that beyond the bind, the real-world experience of a claim will be the defining moment for all involved. We approach each submission and carrier partner with this in mind. The answer is not simply about rate, but our shared responsibility and genuine care for those who entrust us to provide smart, competitive solutions. This is what drives us to be forthright and professional in our dealings. Let us earn your trust today.
Protect your properties with tailored options for Wind Deductible Buy Backs.
As commercial property risks are not one size fits all, the Blue River Underwriters team provides tailored options for Wind Deductible Buy Backs to lessen the insured’s expense exposures. Under this separate policy, the insured can reduce the deductible to a lower percentage or flat rate on a primary wind policy in effect. This attractive solution gives flexibility where needed, particularly in coastal areas and those likely to experience weather-related events.
Classes:
Flexibility
Competitive rates, no minimum premiums
Experienced underwriting team
Coverages:
Office
Retail
Multifamily
Features:
Windstorm & Hurricane exposures for property in coastal areas and inland/non-coastal areas within the USA
Submission Criteria:
ACORD and/or Excel spreadsheet with all COPE information
The property team at Breckenridge Insurance has extensive experience in covering diverse properties including hard-to-place risks including earthquake. With our AM Best A XV Rated carrier partner, high limits and flexible deductibles, we deliver quick and reliable coverage. Our added capabilities and expertise in underwriting our Real Estate Investor program and Wind Deductible Buy Backs makes us a valued partner for all of your excess and surplus property needs.
Coverage designed by those in the smoke and vape shop business.
The team at Breckenridge Insurance understands the challenges of smoke and vape shop owners as our program was created by an innovator in this unique and emerging industry. With an AM Best A XV Rated Carrier, we deliver a program solution that supports industry growth while protecting the interest of those pioneering this space.
Classes:
Smoke & vapor shops
Ancillary shops that sell cigars, cigarettes, vaporizers and related merchandise including take home gifts and blown glass accessories
Stores up to 5,000 square feet
Gross receipts up to $2.5MM per store
Coverages:
Included: General Liability, Property, Business Personal Property, Loss of Income
Property coverage up to $2MM with deductible options from $500 to $25,000
General Liability coverage up to $1MM per occurrence and $2MM aggregate
Available: Theft up to $75,000, Sign, Glass and Electronic Data Processing Hardware
Workers’ Comp coverage available in certain states
Features:
Simple transition process if currently insured
Receive a quote within one business day
Responsible and reliable claims handling
Submission Criteria:
Completed application
Loss runs 2 years
For added coverage options, additional forms may apply
The established Contractors Elite Program delivers a proven package solution to cover more than 34 ISO class codes. With our AM Best A+ rated Carrier and industry risk knowledge, we can provide a solution to fit a variety of contractor needs. We look forward to helping you build your book of contractor clients.
Classes:
Program Appetite:
ISO class codes associated with the following commercial contractor types:
Concrete Contractors
Electrical Contractors
Fence Erection Contractors
Flooring Contractors
General Contractors
Glaziers
HVAC Contractors
Landscape Contractors
Masonry Contractors
Mechanical Contractors
Painting Contractors
Plumbing Contractors
Solar Energy Contractors
Swimming Pool Contractors
Coverages:
Property
Inland Marine
Crime
General Liability
Auto
Workers’ Comp
Excess
Industry-Specific Coverage Available:
Blanket Additional Insured
Blanket Waiver of Transfer of Rights
Per Project Aggregate
Features:
Apartment work considered commercial
Residential service work considered
No minimum earned premiums
Submission Criteria:
Complete ACORD application signed by Agent and insured for all lines of coverage to be considered.
Five years hard copy loss runs for all lines of business requested. Loss runs should be valued within 90 days of the upcoming effective date. Provide brief description of all losses when not adequately provided on loss runs from prior carriers.
Current work on hand schedule including the description of the job and the work to be provided by our insured and their subcontractors.
Complete financial statement for the most recent year including any notes.
A copy of the subcontract agreement currently being used by the insured. It is required that all agreements show like limits, hold harmless agreement in favor of the insured and Additional Insured wording.
Complete list of employees and all family members that have access to insured’s vehicles including driver’s license number, state of license and date of birth. Current MVR will need to be provided for all drivers.
Contact name and phone number for loss control inspection purposes.
At Breckenridge Insurance, our dedicated team of experienced outdoors enthusiasts and insurance professionals work hard so others may play hard doing what they enjoy. We deliver an AM Best A Rated Carrier and a longstanding program that offers comprehensive solutions to insureds who are in the hunt/lease, rod/gun, guide/outfitter, resort/lodge, retail firearms and shooting range industries.
Property, general liability, inland marine, directors & officers, commercial auto, crime, cyber liability, umbrella coverages and workers’ compensation.
Property:
Replacement cost & ACV valuation
Property enhancement endorsement available
Building coverage, business personal property coverage, equipment breakdown coverage, docks, ordinance of law coverage, business income, extra expense, spoilage and more are offered as coverage enhancements
A minimum of 80% coinsurance required.
Protection Classes 1-10
Inland Marine:
Owned, leased, or rented mobile equipment used in the Insured’s operation.
I.E. Boats, ATV’s, Tools & Equipment
General Liability:
$1MM Per Occurrence
$3MM Aggregate
Umbrella: Up to $5MM
Commercial Auto:
Private passenger autos such as: cars, SUV’s, pick-up trucks, vans with 7 passengers or less
Personal, commercial, retail & service use
All vehicles must be licensed for road/street use
100 miles or less radius
20,000 lbs or less gross vehicle weight
Hired & non-owned coverage can be included
Symbols 7, 8 & 9 will be written
Maximum combined single limit of $1MM
Umbrella: Up to $5MM
Crime
Cyber Liability
Up to $10MM
Workers Compensation
Certified Firearms Instructor Professional Liability
Bureau of Alcohol, Tobacco, Firearms, and Explosives Defense Costs
We understand what it takes to protect your property investments
If looking for a competitive edge and simplified approach to insuring investor property portfolios, this package program offers valued protection and flexibility in a streamlined manner. Our real estate investor insurance is ideal for one- to four-unit family dwellings. The program team at Breckenridge Insurance is experienced in diverse property coverages to tailor the best approach to your dynamic portfolios and risk characteristics.
Features of the program include:
One policy for both property and general liability
One surplus lines tax filing
Monthly reporting available
Responsive claims handling
Classes:
Investment Properties of one- to four-unit family dwellings. Other operations should be incidental to each account.
Ineligible Risks:
Any property on barrier islands, with or without wind
Wood shake/shingle & T-lock roofs
Airbnb
Risks that have passenger transportation services
No section 8, HUD, Subsidized or Student Housing
Territory:
Territory is the 48 contiguous United States
Coverages:
Property and General Liability
Monoline Property
Wind/Hail
Flood
Earthquake
Limits:
Property – $10MM per location – Higher limits available
General liability limits – $1MM/$2MM – Higher limits available
Minimum premium: $2,500
Minimum deductible: Varies
Non-admitted
Submission Criteria:
Forms for a submission are available upon request for contact from the Program Administrator
Additional information required regarding private protection, sprinklers, and alarms at the locations
We know how to build-to-suit construction workers’ compensation solutions.
Construction workers are the foundation of our economy. Having workers’ compensation coverage suited to their unique skills and risk exposures is paramount. With our AM Best A Rated carrier and preferred paper, our experienced construction and comp underwriting team provide competitive monoline workers’ comp solutions for nearly 80 construction infrastructure, artisan contractor and related commercial services classes. With additional access to carrier loss control resources and an in-house claims department familiar with contractors, Breckenridge Insurance’s Contractors Workers’ Comp is a well-built solution for these insureds’ needs.
Classes:
Nearly 80 eligible contractor class codes in infrastructure, artisans and related commercial services. Click here for full list of construction classes eligible for this WC coverage.
Target industries include: Street & Road Construction, Grading & Excavation, Sewer & Water Main, HVAC, Plumbing, Electrical, Landscaping, Janitorial Services.
At Breckenridge Insurance, our expert brokers understand the vulnerability, expense and far-reaching impact associated with data security breaches for organizations of all sizes. In today’s data-driven world—where vast and sensitive information is stored and transferred electronically on customers, clients, patients and intellectual property—it’s imperative to get the right coverage in place. Taking a proactive approach with your insureds is the best way to protect them and their hard-earned, trustworthy reputation.
Highlights:
A.M. Best A+ Superior Rating
Experienced Cyber Liability Team
Limits available $25mm+
Primary and XS Available
Responsive Service and Support
As little as 24-Hour Turnaround
Target Classes:
Financial Institutions
Healthcare
Higher Education
Lawyers
Data Security
Retail
Network Providers
Lines of Business:
Security and Privacy Liability
Event Management
Network Business Interruption
Cyber Extortion
Breach Response
Forensic and Legal Assistance
Regulatory Coverage
Cyber Crime/Social Engineering
Contingent Bodily Injury
Breach Costs Outside the Limits
Public Relations and Reputation Restoration
Additional Information:
Cyber breaches are mostly a result of foreign offshore sophisticated hackers.
False: Any lost devices, viruses, or disgruntled employees could compromise your data integrity.
Only large retail and the healthcare system are at risk of hacking.
False: Small businesses are vulnerable and may not be as well equipped to handle. They regularly face in excess of $200,000 in costs associated with a breach.
All Cyber exposures are covered under general liability coverage.
False: The increased risk today means less coverage with general liability policies.
Using cloud storage service reduces risk and liability.
False: Despite proactive efforts, cloud storage does not reduce cyber threats.
The cost of a breach is limited to notification expenses and credit monitoring.
False: Although 46 states require notification, there are legal costs and significant business disruption and reputational costs
Our specialists are experts in addressing your insureds’ needs for builder’s risk. At Breckenridge Insurance we have more than 30 years of longstanding relationships with top-rated global carriers and contract binding authorities, allowing us to quickly and competitively cover your diverse situations. As appetites continue to change, we continually seek the best solutions and deliver creative approaches to keep you at the forefront of the industry.
Highlights:
A Rated Carriers
Monoline or Package available
Tailored solutions for challenging risks
Long Standing Relationships for Specialized Markets
Admitted and Non-Admitted
Target Classes:
Apartments & Condominiums
Churches
Energy & Mining
Hospitality & Entertainment
Hotels & Motels
Large Rental Dwelling Schedules
Manufacturing
Offices
Restaurants
Retail Stores
Vacants
Warehouses
Submission Requirements:
ACORD Forms
Excel Statement of Values
5 Years Currently Valued Loss Runs
Prior Carrier Information Including Limits, Deductibles and Premiums
At Breckenridge Insurance we have ready-access to diverse carrier markets and binding authorities that serve a variety of casualty risks. Our team of experienced professionals will quickly guide you to a competitive and meaningful solution to address your insureds’ needs best. From product recall and physicians groups to food service and pharmaceutical manufacturing, we know how to deliver results that drive business success.
Classes:
General/Specialty Contractors
Food Processing/Distribution
Machinery or Equipment Dealers
Automotive Parts Manufacturing
Sporting Goods or Athletic Equipment Manufacturing
Firearms/Ammunition Manufacturing
Food Products Manufacturing
Repair or Installation of Industrial Equipment
Sales, Service and Installation of Medical Equipment
Amusement Parks
Guides, Outfitters & Lodges
Restaurants
Highlights:
Access to top-rated carriers
Admitted and Non-Admitted
Responsive service and support
Industries:
Agribusiness
Construction
Hospitality & Entertainment
Life Sciences
Manufacturing
Real Estate
Submission Criteria:
ACORD Forms
Supplemental Application
5 Years Currently Valued Loss Runs
Current Program Information, Target Premiums and Need-by Date
At Breckenridge Insurance we have ready-access to diverse carrier markets and binding authorities that serve a variety of casualty risks. Our team of experienced professionals will quickly guide you to a competitive and meaningful solution to address your insureds’ needs best. From product recall and physicians groups to food service and pharmaceutical manufacturing, we know how to deliver results that drive business success.
Classes:
Lloyd’s Paper (A Rated)
No Pre-Set Minimums
24 hour Quick Turnaround
Coming Soon: Online Access
Lines of Business:
$5MM Limit per Building/Location
Deductibles as Low as 2%
Optional – EQSL and Flood
Eligible States:
AR, AZ, CO, DC, DE, ID, IA, IL, IN, KS, KY, MD, MN, MO, MS, MT, ND, NE, NM, NV, OK, SC, SD, TN, TX, UT, VA, WI, WV, WY
Seeking a solution for those hard to place contractors who don’t fit a standard market appetite? Have a Residential or Commercial Project Specific or Wrap need, either Contractor, Owner or Combined? Breckenridge Insurance has the market expertise and available capacity for all size projects.
Breckenridge Insurance offers a wide range of products and services for energy-related and environmental risks. At Breckenridge Insurance Services, we can cover a broad range of considerations and tailor a solution that best suits your insureds’ needs. Our team has the expertise and access to a range of top-rated carriers to assist you in placing multiple lines for the petroleum, renewable energy, power generation, mining and environmental risks.
Breckenridge Insurance offers quality, competitive healthcare insurance products and services from an array of long-standing A.M. Best A-rated carrier partners. Coupled with our deep industry knowledge, we serve a wide spectrum of healthcare organizations and providers.
Highlights:
A.M. Best A+ Superior Rating
Experienced Healthcare team
Admitted and Non-Admitted Carriers
Understand the complexities of diverse businesses
Access to top-rated carriers
Responsive service and support
Skilled Nursing & Senior Care:
Multiple markets A-rated or better, including limited distribution markets
Primary and XS coverage with limits available to $10mm
General Liability and Professional Liability in a Combo or Stand-Alone Policies
Senior Care Classes Targeted – Independent, Assisted, Memory Care and Skilled Nursing
Target Classes:
Aging Services Organizations:
Skilled nursing and sub-acute facilities
Continuing care retirement communities
Assisted living centers
Independent living communities
Memory-loss facilities for dementia and Alzheimer’s care
Home and community-based services
Allied Healthcare Facilities & Providers:
Ambulatory surgery centers — http://www.breckis.com/wp-content/uploads/2015/04/Ambulatory-Surgery-Centers-White-Paper-0122191.pdf
Cancer treatment centers
Community health centers
Home health care
Hospice Care
Hospital & Health Systems
Life Sciences Companies:
Pharmaceutical & nutraceutical manufacturers
Medical device manufacturers
Medical implant, prosthetics, bandage, surgical supply and surgical instrument manufacturers
Medical technology developers
Clinical trial companies
Clinical research organizations
Physicians’ Clinics & Group Practices
Lines of Business:
Professional Liability (Claims-Made and Occurrence)
General Liability
Property
Commercial Auto including vehicles used for patient transport
Umbrella and Excess Liability – high limits available
Employee Benefits
Additional coverages include crime, cyber liability, equipment breakdown, inland marine, directors and officers. Captive and loss sensitive options are also available
Life Sciences:
Products Liability
General Liability
E&O/Professional
Excess/Umbrella
Hired & Non Owned
D&O/EPLI/Fiduciary/Crime
Property
Auto
Workers’ Compensation
Skilled Nursing & Senior Care:
General Liability, Professional Liability
Primary & XS
Directors & Officers/EPLI/Fiduciary and Crime
Cyber
Property
Submission Requirements:
Skilled Nursing & Senior Care:
Completed Residential/Senior Care Facility Application
Currently valued loss runs (if new facility owner, loss runs for prior owner)
Our broker specialists are experts in addressing your insureds’ hospitality needs—from night clubs, pubs and taverns and hotel/motels to our exclusive coverage for franchise restaurants. At Breckenridge Insurance we have ready-access to diverse carrier markets and binding authorities that serve a variety of hospitality risks, including an exclusive liquor program.
Retail stores face significant insurance challenges. A constant stream of customer traffic is great for business, but also creates a variety of ongoing risks. You can protect your business from the unexpected with specialized retail insurance solutions.
At Breckenridge Insurance, we have the expertise, speed, and efficiency in providing you the best coverage at attractive rates. Our expert brokers are ready to respond to your insureds’ needs with competitive, top-rated coverage nationwide.
Highlights:
Hospitality:
Available in All States
Experienced Loss Control
Dedicated Claims Staff
Prompt Turnaround and Service
Retail:
Can write both above-ground and underground storage tanks
Can write liquor liability in most states
Restaurant and cooking exposures within the convenience store along with spoilage and equipment breakdown
Can write up to the coast on property with coverage on canopy/pumps, signs, etc.
Propane fill or propane swaps
Assault and Battery coverage available in most areas
Breckenridge Insurance delivers smart protection for those who have residential dwelling schedules—with some commercial permitted—in their portfolio of properties. As an investment strategy and income-producing asset, understanding the needs of these busy individual and institutional investors, and the nuances of the dynamic real estate market, is key to long-term success. We provide competitive and flexible property and general liability coverage under a master policy approach to simplify the process for your client and to support your growth.
Highlights:
Available Property and General Liability Coverage
Up to 20% of schedules can be commercial
Broad geographic coverage and quick turnaround
Vacant Properties Acceptable
$5,000 minimum premium
Target Classes:
Individual Property Investors/Landlords
REOs
REITs
Property Management Companies
Lines of Business:
All Risk property coverage form by Lloyds of London (Excl Flood / Quake)
$2.5MM per location max limit / No max limit per schedule
Replacement Cost for Dwellings and Commercial Properties Available
Loss of Rents Coverage Available
$1,000 Minimum deductible for All Other Perils
Competitive Wind/Hail Deductible
Rate Credit Available for increased deductible structure
Breckenridge Insurance is a proven specialist intermediary offering comprehensive and competitive insurance products for a range of risks. As market makers, we work diligently to “go beyond the binder” and deliver timely and vital coverage tailored to your needs.
Highlights:
A.M. Best A+ Superior Rating
Experienced professional liability team
Understand the complexities of diverse businesses
Access to top-rated carriers
Responsive service and support
Target Classes:
Film and Media Producers
Advertising Firms
Architects & Engineers
Real Estate Developers
Imaging Centers
Drug Treatment Facilities
Consultants
Accountants
Lawyers
Free Standing Cancer Treatment
Allied Health
Surgery Centers / Laboratories
Analysts
Instructors & Trainers
Property Managers
Real Estate Agents
Safety Consultants
and many more
Lines of Business:
Media Liability
Intellectual Property
Miscellaneous Professional
Medical Malpractice/Allied Health
Miscellaneous E&O
Specified Professional
D&O
EPLI
Fiduciary
Kidnap & Ransom
Crime
Cyber
Excess Professional
Excess Cyber
Excess D&O
Excess EPLI
Health Care Umbrellas (limited classes)
Submission Requirements:
ACORD Forms
Supplemental Application
3 to 5 Years Currently Valued Loss Runs
Prior Carrier Information Including Limits, Deductibles and Premiums
We have the property coverages your insureds need!
At Breckenridge Insurance, we have the expertise, speed, and efficiency in providing you the best coverage at attractive rates. Our expert property broker specialists are ready to respond to your diverse insureds’ needs—from coastal to complex to vacant—with competitive, top-rated coverage nationwide. We know how to handle risks in storm- or fire-prone areas including those that regularly experience hurricanes, noreasters, or wildfires.
Highlights:
Available in All States
Experienced Loss Control
Dedicated Claims Staff
Prompt Turnaround and Service
Target Classes:
Apartments & Condominiums
Churches
Energy & Mining
Hospitality & Entertainment
Hotels & Motels
Large Rental Dwelling Schedules
Manufacturing
Offices
Restaurants
Retail Stores
Student Housing
Vacants
Warehouses
Lines of Business:
Builders Risk
Coastal & Critical Wind
Deductible Buy Downs
DIC including Earthquake & Flood
Equipment Breakdown
Inland Marine
Lessor’s Risk
Package
Property
Stock Throughputs
Tier 1 CAT
Warehouse Legal Liability
Of Note:
Shared & Layered Programs for both CAT Driven & Non-CAT accounts
Multi-location & Multi-state schedules
Primary, Quota-Share & Ground up capacity
Submission Requirements:
ACORD Forms
Excel Statement of Values
5 Years Currently Valued Loss Runs
Prior Carrier Information Including Limits, Deductibles and Premiums
State and local governments need effective insurance now more than ever to protect them from costly losses at a time when budgets are stretched to the limits. The public entity professionals at Breckenridge Insurance Services know how to handle hard-to-place, standard and excess/surplus risks. We work with “A”-rated carriers and above that understand governmental risk.
Highlights:
A.M. Best A Rated or above
Offer a variety of first dollar and excess coverages
Provide high-value “Total Insurable Limits” for property coverage
Target Classes:
Municipal governments including boroughs, cities, towns, townships, and villages
States, Counties and Parishes
Government Districts including water, utility, library, fire, road and park districts
Governmental Insurance Pools
Educational Institutions including Public School Districts, Colleges, Junior Colleges, Tech & Trade Schools, and Private Schools
Lines of Business:
First Dollar and Excess Coverages:
Property and Inland Marine
General Liability
Boiler & Equipment Breakdown
Automobile Liability
Law Enforcement Professional Liability
Educators Liability
Public Officials Liability
Cyber Liability
Crime
Umbrella
Workers’ Compensation (Excess only)
Enhancements Include:
Failure to Educate Students
Incidental Medical Malpractice
Wrongful imprisonment and Incarceration
Sewer Backup
Punitive Damages (Where permitted by law)
Non Employment Harassment, including Sexual Abuse and Molestation
Liability Limits:
Breckenridge has the ability to quote liability limits up to $200MM. We provide high-value “Total Insurable Limits” for property coverage.
Additional Information:
Carriers are “A” rated or better.
Some carrier programs are only available through our Public Entity Group.
Depending on the program and coverage required, carriers can use “admitted” or “non-admitted” paper
The specialty property team at Breckenridge Insurance has extensive experience in covering vacant properties nationwide and has partnered with a A.M. Best A+ (Superior) carrier to cover all your insureds needs.
Classes:
Target Classes:
All types of vacant buildings
Will work to offer some type of solution through the use of coverages, terms, rates, and limits
Ineligible
Windstorm and hail exposures in tier 1 or tier 2 counties
Severe brush fire exposures
Coverages:
No TIV restrictions
No co-insurance with adequate insurance to value
Flexibility to modify the coverage
Limits: Primary, Excess and Full
ACV (Actual Cash Value)
RCV (Replacement Cost Value)
Features:
A.M. Best A+ (Superior)
Experienced Property Underwriting Team
Available to help you grow your property E&S book.
Timely response delivered to agent requests and submissions.
Our workers’ compensation team has the expertise to handle most state jurisdictions and your most difficult risks as we offer access to diverse carriers. Our capabilities include writing primary or excess coverage for self-insureds as well as structuring large deductible plans throughout the United States. Our expertise as a wholesaler goes well beyond sourcing to delivering a viable and competitive program that best suits the situation.
Highlights:
A.M. Best A+ Superior Rating
Multi-state capabilities
More than 500 eligible classes
Prompt turnaround and service
Solid expertise and market relationships
Excess WC for Self-Insureds
Target Classes:
More than 500 classes, including:
Auto Recyclers/Dealers
Roofing
Heavy Manufacturing
Contractors/Landscapers
Property Management
Healthcare/Nursing Homes
USL&H
Tough to Place Risk, Exposure and/or Loss
Excess:
Public Entities
Schools
Hospitals
Nursing Homes
Manufacturing
Construction and more
Lines of Business:
Guaranteed Cost – More than 500 eligible class codes, most states
Excess WC for Self-Insureds – one of the larger producers for several carriers
Large Deductible – Can include WC, GL and Auto
Alternative Markets – Expertise in captive and rent-a-captive program
Excess:
*Buffer Policy: Breckenridge has access to a buffer layer policy that reduces the insured’s SIR and exposure to a specified level. Highlights of this program:
Reimburses statutory workers’ compensation and employers liability claims excess of the SIR and within the buffer limit of liability
Admitted states – AL, AR, AZ, CA, CO, GA, IL, IN, KY, LA, MA, MI, MN, MO, NC, NE, NJ, NM, NV, OH, OK, PA, SC, SD, TN, TX, UT, WV and WY (NY is in process)
Attachments as low as $100,000
Follow form Excess WC coverage, not AD&D
We can assist in determining whether self-insurance might be an option for your client and help with the approval process. If self-insurance is not the right approach, we do have access to many A-rated Guaranteed Cost markets. Our expertise as a wholesaler goes well beyond sourcing to delivering a viable and competitive coverage that best suits the situation.
