Quality Products & Services
Apartments & Dwellings
Whether you are looking for coverage for 1 – 4 family dwellings or small apartment complexes, Vintage offers competitive pricing for outstanding coverage.
General Liability Limits Available
- 1M Each Occurrence/2M Aggregate Limit
- 2M Each Occurrence/4M Aggregate Limit
- 3M Each Occurrence/3M Aggregate Limit
Assault & Battery Coverage available up to policy limits
Property
- Basic, Broad and Special Forms available
- Building coverage – Includes furnished appliances such as refrigerator, vent hood, stove/oven, dishwasher & washer/dryer
- Loss of Rental Income
Umbrella/Excess
- Up to 5M Each Occurrence/5M Aggregate Limit
Acceptable Amenities/Operations:
- Recreational Facilities
- Playgrounds
- Pools
- Fieldhouses
- Weight rooms
- Other Retail/Office/Non-Residential occupied space
Supplemental Applications:
Apartment Supplemental
Apartment Umbrella Supplemental
Habitational Supplemental
Target Market:
- Tenant Occupied Dwellings, 1 – 4 Family
- Apartment Complexes Property up to approximately 50 Units
- Apartment Liability up to 1000+ Units
Also Accepted:
- HUD Housing
- Student Housing
- Elderly Housing
- Halfway Houses, Mental, Drug and Alcohol Rehabilitation Facilities
Prohibited Risks:
- Fraternity/Sorority Houses
- Aluminum Wiring
Prior Losses are NOT an automatic decline. Send Loss Runs with explanation of updates and remedies.
Property Restrictions:
- Building Age
- Updates required on buildings 20 – 30 years old, dependent upon construction type.
- Can write buildings up to 75 years.
Auto Repair
Whether it be a brick and mortar operation or a mobile operation, we have a market. We write the everyday car repair including Heavy Truck Repair (>20,000 GTVW), Bus Repair, Motor Home Repair, Recreational Vehicle Repair, Motorcycle Repair & Tire Dealers (new tires only). Vintage can write your Auto Service and Repair Risks on CGL or Garagekeepers form and offers options for Direct Primary Coverage and Legal Liability coverage for loss or damage to Customers’ Autos.
Garage Liability
- 1,000,000 Each “Accident” Auto Only
- 1,000,000 Other than Auto
- 3,000,000 Aggregate Limit
Garage Keepers
- Legal Liability or Direct Primary
- Specified Perils or Comprehensive
- Collision
- 500,000 Each Location (higher avail.)
- 50,000 Any One Auto (higher avail.)
Autos In-Transit (on-hook)
- Specified Perils with Collision, or
- Comprehensive with Collision
Optional Coverages
- Premises Medical Payments
- Personal & Advertising Injury
- Fire Legal Liability
- Incidental Medical Malpractice
- Additional Persons Insured
Commercial General Liability
Can combine liability with Garage for the following described operations:
- Accessories
- Alarm / Stereo
- Parts
- Truck Shell or Tire sales
- Self Serve Car wash
- Gasoline Sales
- Convenience Store Sales
Drivers
- All drivers over 19
- Will write with a Major Violation (i.e. DWI, Reckless Driving, etc)
- Will write up to 4 Minor Violations (i.e. Speeding, running red light, etc)
- “At-Fault” accidents accepted (up to 2)
Must provide the following Information on all employees and owners:
- Name as shown on drivers license
- Date of Birth
- Drivers license number
- State of issuance
- Traffic violations
- Job duties (if any furnished autos)
Target market:
Accessory Installation
Airbag Installation, Service & Repair
Antique/Vintage/Classic Repair or Restoration
Auto Alarm/Stereo Installation
Auto Dismantling/Salvage Yards
Auto Maintenance & Repair
Auto Pawn Shops
Auto Wholesalers
Bedliner Installation
Body Shop & Painting
Camper Shell Installation
Car Washes
Contractor Equipment Repair
Dent Removal
Detailing/Washing
Emergency Vehicle Service & Repair
Farm Equipment Repair
Forklift Service or Repair
Gasoline Stations including Auto Repair
Golf Cart Repair
Handicap Vehicle Equipment Installation or Repair
Heavy Truck Repair
Horse Trailer Service or Repair
Impound Yards (no Auto Sales/Used Part Sales/Auto Repair)
Inspection Stations
Motorcycle Repair
Oil/Lube Service
Recreational Vehicle Repair
Smog & Emissions Control Shop
Storage Facilities—Long Term
Tire Sales & Service
Towing
Trailer Hitch Installation or Repair
Trailer Service or Repair
Upholstery
Utility Trailer Service or Repair
Valet Parking
Valet Parking—Special Events
Window Tinting
Windshield Installation or Repair
Wrecker Service—For Hire
Wreckers—Garage Operations
Prohibited Risks:
Prohibited exposures include, but are not limited to: The filling, distribution or transportation of LPG; Auto Rebuilders; Boat Hull Repair; Bucket Trucks, Boom Trucks, or Cherry Pickers; Bus Repair; Cranes; Drive-away Contractors; Fuel Conversion Shops; Interlock Devices; Lift Kit Installation; Racing or Exhibition Vehicle Sales; Rental or Lease Operations; Scissor Lifts; Tanker Trucks; Tire Recapping; Kit Cars or Other Auto Manufacturing; LPG Dealers/Distributors; Mobile Home Repair; Mobile Home Toters; Repossessors—For Hire; Structural Modification; Trailer Assembly/Manufacturing; Van Conversion; All-Terrain Vehicle (ATV)Repair (e.g. 3-wheel, 4-sheel, scooters, snowmobiles, dirt bikes)
Bars & Taverns
With the ability to write up to 100% Liquor Liability, Vintage is your answer for Bar & Tavern coverage.
General Liability Limits Available
- 3M Each Occurrence/3M Aggregate Limit
Assault & Battery Coverage available
Property
- Up To $5,000,000 In House Authority
- Basic, Broad and Special Forms available
Liquor Liability
- With GL – Up to 30%
- Up to 100% as a separate policy
Umbrella/Excess
- Up to 5M Each Occurrence/5M Aggregate Limit
Supplemental Applications:
Restaurant/Bar/Tavern Supplemental
Restaurant/Bar Umbrella Supplemental
Liquor Liability Application
Target Markets
Nightclubs
Cabarets
Comedy Clubs
Sports bars – with or without entertainment
Bars – with or without entertainment
Taverns – with or without entertainment
Pubs – with or without entertainment
Microbreweries – with or without entertainment
New Ventures Accepted
Prior Losses are not grounds for an automatic declination – consideration given based on loss runs and remedies.
Prohibited Risks:
Mechanical Bull Rides or similar rides
Beauty Salons/Barber Shops, including Nail Salons and Massage Parlors
From haircuts to nail salons or massage parlors, Vintage can write your business. Whether you are looking for GL, Property or Professional Liability, Vintage has you covered.
General Liability
Limits up to $1,000,000/$2,000,000
Professional Liability Available
Exclusions
Microblading
Permanent Make-up
Property
Up to $5,000,000
Basic, Broad and Special Forms available
Umbrella/Excess
Up to 5M Each Occurrence/5M Aggregate Limit (depending on class)
Supplemental Applications:
Beauty, Hair & Nail Salon Professional Liability Supplemental
Target Markets:
- Beauty Parlors
- Barber Shops
- Massage Parlors
- Nail Salons
- Piercing Salons,
- Spas
- Tattoo Parlors
New Ventures Accepted
Prior Losses are not grounds for an automatic declination – consideration given based on loss runs and remedies.
Builders Risk
Vintage offers builders risk coverage for everything from your small shopping center buildout to full building renovations, with or without structural changes.
General Liability, Property and Umbrella Coverage Available
- Written on ISAO Property or Inland Marine Form
- New or Renovation – 3-month up to 12-month policy
- Theft/Soft Cost Available
- Can be written as Vacant with Renovations (see Vacant details)
- GL (new construction) – OCP for owner and contractor available
- GL (renovation) can be written as Vacant
Target Market
Up to $1,000,000 Residential or Commercial
Car Wash
From self-service to fully-automated and everything in between, Vintage can offer coverage.
CGL, Garage Liability, Property and Garage Keepers Available
General Liability
- Garage Limits up to $3,000,000/$3,000,000
- Garage Keepers up to $1,000,000 each location
- Direct Primary with Comp available
Property
- Can be written on ISO Property or Garage Form
- Up to $5,000,000 – RC Theft
Target Markets
- Automated Car Washes
- 18-wheeler Car Washes
- Mobile Car Washes
- Non-Self Service Car Washes
Church/House of Worship
Vintage offers coverage for churches, synagogues, temples and mosques. Coverages available include GL, Property, Umbrella and Professional – including A&B and Abuse & Molestation.
General Liability
Limits up to $3,000,000/$3,000,000
- Professional (Pastoral) Liability available up to $1,000,000
- Abuse and Molestation Coverage available
- Assault & Battery available
Property
Limits up to $5,000,000
RC Theft
Umbrella
Limits up to $5,000,000
Supplemental Application
New Ventures Accepted
Prior Losses are not grounds for an automatic declination – consideration given based on loss runs and remedies.
Condo/Home Owner Association
Vintage has a market for your Condo or Home Owners Association – including Directors & Offices Liability availability. Vintage offers competitive pricing for most types association and board coverage.
General Liability
Limits up to $1,000,000/$2,000,000
Property
Limits up to $5,000,000
RC Theft
Property Coverage for Fences, Signs, Lights and Buildings
Extracurricular exposure coverage for playgrounds, pools, and tennis courts
Directors and Officers Liability and Employment Practices Liability
Limit up to $5,000,000
- Defense outside the limit
- Defense Cost Coverage for Breach of Contract claims
- Coverage for Non-monetary claims
- No consent to settlement provision (Hammer Clause)
- Unlimited Extension (for claim reporting endorsement)
- Automatic Coverage for the Property Management Company
Umbrella
Limits up to $5,000,000
Supplemental Application
Target Markets:
Residential Condominium Associations
Homeowners Associations
Retail Associations
Office/Industrial Parks
Property Owner Associations
Restricted Classes:
Master Associations
Rental Associations
Condo-Hotels
Timeshares
Contractors
Vintage Underwriters writes coverage for more than 100 Artisan Contractor Class Codes! And with more than 55 Target Classes with a $500 minimum premium – including coverage for Blanket AI, Blanket Waiver of Subrogation, and Primary & Non-Contributory at no additional charge – Vintage makes writing business for artisan contractors easier than ever before.
General Liability
Limits up to $1,000,000/$2,000,000
Automatic Additional Insured
Automatic Waiver of Subrogation
$500 minimum premium for more than 55 Classes of Artisan Contractors
PROGRAM HIGHLIGHTS
Per Project and Per Location Aggregate option
Prior Work Coverage available
Incidental Roofing acceptable
New ventures acceptable
CG 24 26 default, can be removed to provide broad form contractual
Umbrella
Limits up to $5,000,000
Not available for all class codes
New Ventures acceptable
Prior losses are not grounds for an automatic declination—consideration given based on loss runs and remedies
Subcontractor Exposure acceptable up to 50%
Incidental Roofing acceptable
Target Classes:
A/C Only Installation, Service or Repair
Advertising Sign Companies—Outdoor
Appliance & Accessories—Household
Auctioneers
Blacksmithing
Carpentry—Interior
Carpet, Rug, Furniture or Upholstery Cleaning
Ceiling or Wall Installation
Cleaning—Exterior Surfaces
Contractors—Subcontracted
Debris Removal—Construction Site
Drywall or Wallboard Installation
Electrical Work within Buildings
Excavation
Fire Extinguishers—Servicing, Refilling, or Testing
Furniture or Fixtures—Installation
Garbage, Ash or Refuse Collecting
Grading of Land
Heat and A/C Combined (No LPG)
House Detailing—Interior—Preparation for Sale
House Furnishing Installation
Insulation Work—Mineral, Organic or Plastic
Interior Decorators
Landscape Gardening
Lawn Care Services
Masonry
Metal Erection—Decorative or Artistic
Office Machines/Appliances—Installation or Repair
Painting—Interior
Painting—Shop Only
Paperhanging
Piano Tuning
Sand or Gravel Digging
Septic Tank Systems—Cleaning
Solar Energy Contractors
Sheet Metal Work—Outside
Sign Painting or Lettering—Inside or on Buildings
Swimming Pool Installation or Servicing
Tile, Stone, or Marble—Interior Construction
Truckers
Upholstering
Upholstering—Shop Only
Video Taping
Window Cleaning
Cyber Liability
Cyber crime is increasing. Do your customers have the coverage they need?
General Liability Limits
- Aggregate Limits from $100,000 to $15 million
- Per Incident Limits from $10,000 to $5 million
Key Features
- No minimum premium
- Retention staring at $1,000
- $0 Retention for the Cyber Incident Response Coach
- Full Prior Acts – coverage for unknown incidents before the policy period begins*
- Coverage for loss of profits and expenses from interruptions of the insured’s systems; and with Contingent Business Interruption, adds losses from interruptions of others’ systems*
- Ability to offer notification cost, forensics, legal fees, credit monitoring public relations in addition to the limit*
- Cyber Crime coverage including social engineering*
*subject to policy terms and conditions
Available Coverages
Third Party Liability Coverage
- Network Liability
- Privacy Liability
- Payment Card Loss
- Regulatory Proceedings
- Media Liability
First-Party Coverage
- Cyber Incident Response Fund
- Business Interruption
- Contingent Business Interruption
- Digital Data Recovery
- Telephone Toll Fraud
- Network Extortion
Cyber Crime Coverage
- Computer Fraud
- Funds Transfer Fraud
- Social Engineering Fraud
Day Care Centers
Whether your licensed day care business is in a shopping center, stand-alone building or even home-based, Vintage can offer GL, Property and Professional Liability – including A&B and Abuse and Molestation – all on the same policy.
General Liability
Limits up to $1,000,000/$2,000,000
Direct Primary with Comp available
Professional Liability
Limits up to $1,000,000
Abuse & Molestation up to $1,000,000
Assault & Battery available
Property
Limits up to $5,000,000
RC Theft
Excess Coverage
Limits up to $5,000,000
Supplemental Application
Distributor/Wholesaler
In this global world, coverage that covers all your goods, regardless of their origin is vital. From importing to distributing and wholesaling, Vintage has you covered.
General Liability
Limits up to $1,000,000/$2,000,000
Imported products without insurance rated as Manufacturing
Property
Limits up to $5,000,000
Replacement Cost Available
Theft Coverage Available
Umbrella
Limits up to $5,000,000
Supplemental Application:
MORE INFORMATION COMING SOON
Dry Cleaners
If they can clean it, we can insure it!
General Liability
Limits up to $3,000,000/$3,000,000
Property
Limits up to $5,000,000
Replacement Cost available
Theft Coverage available
Umbrella
Limits up to $5,000,000
Bailee Coverage
ISO Property or Inland Marine Form
Limits up to $500,000 available
Supplemental Application:
MORE INFO COMING SOON!
EPLI – Employment Practices Liability Insurance
Protect your business from claims of unfair or unacceptable business practices including sexual harassment, wrongful termination, discrimination, retaliation, and more.
Limits up to $5 Million
Admitted Carrier
For Profit and Not-For-Profit Commercial Entities
Primary and Excess Capacity
Duty to Defend
Non-rescindable & Non-cancellable policies
$100,000 sublimit – Class Action Wage & Hour Claims Defense
Third Party Coverage
Supplemental Application:
MORE INFORMATION COMING SOON!
Gas Station/C-Store
As one of our cornerstone programs, the Vintage Gas Station program offers outstanding pricing and liquor coverage at rates you won’t find elsewhere. If you need coverage for Gas Stations or Convenience stores, Vintage is the answer.
General Liability
Limits up to $1,000,000/$2,000,000
Hired/Not Owned Auto Liability Available
Liquor Liability
Limits up to $1,000,000
Property
Limits up to $5,000,000
TankSafe Coverage
$350 minimum premium
Limits up to $5,000,000/$5,000,000
Policy Satisfies federal and/or state requirements for financial responsibility (where applicable)
Umbrella
Limits up to $5,000,000 (depending on class)
Supplemental Applications:
Grocery Store with Liquor Liability Supplemental
Tanksafe Application
Underground Storage Tank Facility Worksheet
Above Ground Storage Tank Facility Worksheet
TankSafe Preferred Risks
Airports
Auto Dealerships
Commercial/Industrial Facilities
Maufacturing Plants
Municipalities
Hospitals
Schools, Colleges, Universities
TankSafe Restricted Industries
Underground Storage Tanks older than 30 years
Aboveground Storage Tanks older than 30 years
Aboveground Storage Tanks with capacities greater than 49,999 gallons
Lessor’s Risk
Landlord policies ensure against even the unluckiest of tenants! From single occupant to large multi-tenant retail or warehousing businesses, Vintage has small and mid-market access.
General Liability
Limits up to $3,000,000/$3,000,000
Assault & Battery Available included in GL
Property
Limits up to $5,000,000 in house binding authority
Brokerage up to $10,000,000 Coastal or CAT
Brokerage up to $25,000,000 Inland or Non-CAT
Umbrella
Limits up to $5,000,000
Supplemental Application:
Most Tenants Acceptable
Manufacturing
Whether your insured is manufacturing wood products, leather goods, food or more, Vintage has a market.
General Liability
Limits up to $1,000,000/$2,000,000
Property
Limits up to $5,000,000
Brokaerage up to $10,000,000 Coastal or CAT
Brokerage up to $25,000,000 Inland or Non-CAT
Umbrella
Limits up to $5,000,000
Supplemental Applications for Umbrella Coverage:
Apparel Textile Manufacturing Supplemental
Fabricated Metal Products Manufacturing Supplemental
Furniture Manufacturing Supplemental
General Products Manufacturing Supplemental
Lumber/Wood Manufacturing Supplemental
Paper Products Manufacturing Supplemental
Rubber/Plastics/Leather Goods Manufacturing Supplemental
Stone/Glass/Clay/Concrete Manufacturing Supplemental
Targeted Classes
Auto Critical and Non Critical Parts and Accessories
Electrical Equipment
Machinery and Machinery Parts
Medical Devices (Class I and II Only)
Metal Goods
Pipes or Tubes
Plastic/Rubber/Fiberglass Goods
Renewable Energy Equipment
Sporting Goods/Athletic Equipment
Textiles
Tools
Toys and Games
Trucks, Trailers, Motorcycles, ATV’s, and Parts and Accessories
Valves
Medical Office
Vintage offers coverage for Medical Offices on the BP 00 03 Business Owners coverage form, written on A+ rated, non-admitted paper.
MORE INFORMATION COMING SOON!
MORE INFORMATION COMING SOON!
Professional Liability
Looking for professional liability coverage? Vintage offers policies for personal service professionals – including nail techs, hair stylist, massage professionals and tattoo artists – as well as fitness instructors, clergy, certain classes of medical professionals and more.
MORE INFORMATION COMING SOON!
Target Classes
Beauty Salons
Nail Salons
Barber Shops
Tanning Salons
Health and Exercise Clubs – Aerobics, Dance Studios, Martial Arts, Weight Lifting
Denturists
Vocational Schools
Pet Training
Pet Grooming
Tattoo Parlors
Counselors – Clergy, School/Guidance, Occupational Therapists, Social Workers
Speech Therapists
Audiologists
Restaurants
Vintage offers multiple options for your restaurant coverage and will help determine the proper policy to meet your establishment’s needs – whether your business is rated as a restaurant or beverage shop, can be written on a BOP form or requires liquor liability, Vintage has you covered.
General Liability Limits Available
3M Each Occurrence/3M Aggregate Limit
Assault & Battery Coverage available
Property
Up To $5,000,000 In House Authority
Basic, Broad and Special Forms available
Loss of Business Income
Liquor Liability
With GL – Up to 30%
Up to 100% as a separate policy
Umbrella/Excess
Up to 5M Each Occurrence/5M Aggregate Limit
Brokerage
- Up to $10,000,000 CAT
- Up to $25,000,000 Non-CAT
Supplemental Applications:
Restaurant/Bar/Tavern Supplemental
Restaurant/Bar Umbrella Supplemental
Liquor Liability Application
Retail Stores
Vintage has great coverage options for Retail Stores! With an appetite for more than 100 business class codes, there are very few things that can stop us from writing your retail stores. We can even write 1st tier wind coverage.
MORE INFORMATION COMING SOON!
MORE INFORMATION COMING SOON!
Special Events
Whether your event is as small as a wedding or quinceañera, or a large concert or conference, Vintage can offer coverage to meet your special event needs.
General Liability
Limits up to $3,000,000/$3,000,000
Assault & battery available, included in GL
Liquor Liability
Limits up to $1,000,000/$2,000,000
Target Event Types
Auto Shows
Conventions/Trade Shows
Concerts – Blues, Christian/Gospel, Country, Folk, Jazz, Latin, R&B, Pop
Fundraisers
Dog/Cat Shows
Fairs
Festivals
Fundraisers
Home or Garden Shows
Parades
Picnics
Sporting Events
Weddings
Restricted events include
Air Shows
Bungee Jumping
Carnivals
Concerts – Hip Hop/Rap
Events taking place on water
Fireworks/Pyrotechnics
Gun Shows
Haunted Houses with mechanical devices
Hot Air Balloon Rides
Medical Treatments of Health Screenings
Parachute Jumping
Supermarkets
As one of our cornerstone programs, the Vintage Supermarket program offers outstanding pricing and liquor coverage at rates you won’t find elsewhere. If you need coverage for Supermarkets, Vintage is the answer.
General Liability
Limits up to $3,000,000/$3,000,000
Assault & Battery Available included in GL
Property
Limits up to $5,000,000 in house binding authority
Brokerage up to $10,000,000 Coastal or CAT
Brokerage up to $25,000,000 Inland or Non-CAT
Spoilage/Equipment Breakdown up to $300,000
Power Outage up to $25,000
Umbrella
Limits up to $5,000,000
Supplemental Application:
MORE INFORMATION COMING SOON!
Tattoo Parlors
Vintage writes tattoo parlors! Whether you are looking for GL, Property or Professional Liability, Vintage has you covered.
General Liability
Limits up to $1,000,000/$2,000,000
Professional Liability Available
Property
Up to $5,000,000
Basic, Broad and Special Forms available
Umbrella/Excess
Up to 5M Each Occurrence/5M Aggregate Limit (depending on class)
MORE INFORMATION COMING SOON!
Truckers GL
Vintage Underwriters writes General Liability coverage for Residential and Commercial Moving Companies, Haulers and more, with no additional cost for Blanket AI, Blanket Waiver of Subrogation, Primary Non-Contributory wording and Additional Insured – Equipment Providers. Toxic or Hazardous Materials Prohibited.
General Liability
Limits up to $1,000,000/$3,000,000
Automatic Coverage for Additional Insured
Automatic Coverage for Waiver of Subrogation
Limited coverage available for loading/unloading property damage
Limits up to $5,000/$15,000
Coverage is General Liability only
Insured must carry primary commercial automobile coverage
This classification includes Towing Risks w/o repair work or auto repossession
No Cargo Coverage is available at this time
Prohibited Exposure – Hauling hazardous materials
Vacant Land/Building
With our in-house binding authority, it’s hard to beat Vintage’s pricing on Vacant Land and Vacant Buildings!
MORE INFORMATION COMING SOON!
MORE INFORMATION COMING SOON!
Washaterias/Laundromats
No matter how you clean or fold it, Vintage has a market that will consider your laundry business!
MORE INFORMATION COMING SOON!
MORE INFORMATION COMING SOON!