Our Products

The Commercial Auto/BOP Division


We offer access to Best’s A-rated standard lines carriers for retailers, enabling them to expand their market scope. Our binding authority with Safeco (A-XV rated by A.M.Best) and Evergreen (A-VI rated by A.M. Best) affords prompt issuance of coverage.

 

Safeco Monoline Commercial Auto
Safeco’s target classes for monoline commercial auto are as follows: artisan contractors, lunch trucks, residential snow plow, and wholesale delivery.  Safeco also writes private passenger type vehicles registered to the corporation and used in the business. Safeco provides direct assistance for insureds through their Service Center.

COVERAGES

  • $1,000,000
  • Physical Damage coverage
  • ISO rules and rates

GUIDELINES

  • ACORD applications
  • Safeco pulls MVRs
  • 15 power units
  • Light, medium, and heavy trucks
  • Loss information
  • Years in business/management experience
  • Direct billed

 

Safeco BOP and Package
Safeco’s BOP and Package policies are available for mercantile, industrial/processing, institutional, offices, restaurants, and servicing risks. Successful classes include: Attorney Office, Automobile Parts/Supply Store, Cable TV Installation, Caterers, Coffee House, Detailing Shops, Dollar Store, Driveway Paving, Dry Cleaning/Laundries, Electronic Good Store, Insurance Office, Janitorial Service – Residential, Landscape Gardening, Lawn Care Service, Mail Box Packaging Store, Masonry, Pet Groomers, Photography Studio, Plumbing Supply Store, Physician Office, Sporting Goods Store, Strip Shopping Center, Upholstering Shop Only, Veterinarians, and X-Ray/MRI Office.

COVERAGES

  • $1,000,000/$2,000,000 Liability
  • Limited EPLI options
  • Increased limits and enhanced coverages
  • Umbrellas

GUIDELINES

  • $15 million annual sales per location
  • Utilities updated within the past 20 years
  • 35% alcohol sales to total food and alcohol sales
  • Good housekeeping
  • Direct billed

 

 

Evergreen National Indemnity Company Monoline Commercial Auto - BINDING AUTHORITY
The target class is artisan–type contractors, including: landscapers with residential snowplowing, roofers, carpenters, masons, and painters.  In addition, Evergreen will write commercial and retail delivery, lunch trucks, miscellaneous service vehicles and private passenger type vehicles registered to the corporation (no stand alone PPTs).

COVERAGES

  • $1,000,000 CSL
  • $500,000 max UM
  • Physical Damage coverage
  • ISO rules and rates

GUIDELINES

  • ACORD applications
  • Loss information
  • Updated, acceptable MVRs(up to 8 points)
  • 36,000 max GVW
  • 15 power units
  • No insurance scoring
  • New ventures
  • Agency billed

 

 

Professional Lines Division


Underwriters at Lloyds - Lawyers Professional Liability- BINDING AUTHORITY
(Surplus Lines/Hard to Place)

Synergy Professional Associates has been underwriting hard to place lawyers professional liability as an underwriting manager since 1992.  This facility writes lawyers who have typically been non-renewed or cannot find coverage with a standard market for one of the following reasons:

  • Adverse claims experience
  • Perceived difficult area of practice
  • Ethical issues


Our facility differentiates itself from other markets in that we “UNDERWRITE” rather than merely “WRITING” this class of business.  The result is we have established a reputation for insightful and value added services to out insured’s/producers and our company.  We can craft coverage’s and modify terms to reflect the unique aspect of each client. 
Our program profiles as follows:

  • All areas of practices considered including: PI/BI, environmental, entertainment, Intellectual property litigation, SEC, etc.
  • Coverage available in 50 states on a surplus lines basis
  • Limits from $100,000/$300,000 up to $2,000,000/$4,000,000
  • Firm size up to 25 attorneys


Synergy underwriters are highly experienced, knowledgeable and service oriented.  Business is accepted on an open brokerage basis.  Submissions can be sent ATTN: Michele McCrohan.

Open Brokerage Professional Liability
Synergy is an insurance intermediary/wholesaler with a dedicated team specializing in professional liability.  We represent many well regarded “A” rated insurance companies.  We handle virtually all classes of business, including but not limited to:

  • Lawyers Professional Liability
    (Standard and Surplus Lines)
  • Directors & officers Liability
    (public/private/non-profit)
  • Insurance Agents & Brokers
  • Employment Practices Liability
  • Medical Professional
  • Real Estate Agents & Brokers
  • Architects & Engineers Professional Liability
  • Miscellaneous Professional
    • Claims Adjusters
    • Home Inspectors
    • Computer Consultants
    • Media Professionals
    • Human Resource Consultant
    • Title Agents
    • Collection Agents
    • Business Consultants
    • Mortgage Brokers
    • Event Planners

We welcome your inquiries and look forward to the opportunity to service your business.
Contact Us | T (973) 995-0500 | F (973) 995-0501
© 2006 by Synergy Professional Associates. All rights reserved.