The specialty lines insurance market is the segment of the insurance industry where the more difficult or unusual risks are written. Because specialty lines insureds tend to be more unusual or higher risk, much of the specialty lines market is characterized by a high degree of specialization. The specialty lines market also includes “hard to place” accounts seeking more traditional coverage’s such as general or products liability.
- Unique Liability: The segment of insurance where the more difficult or unusual risks are written.
- Dwellings: Get the most value with discounts when you have multiple policies.
- Business Owner: Find the most appropriate, cost-effective protection for all of your business needs.
We Cover
- Auto
- Boating
- Classic Cars
- Flood
- Homeowners
- Life Insurance
- Motorcycle
- RV
- Umbrella Coverage
Get Our Specialty Lines Insurance Coverage Today!
Specialty Lines
When we review your insurance needs, we will design a comprehensive policy for you that may include:
Rental Unit Coverage
Many condo owners and other rental unit owners are unaware that they can and will be held liable for everything from the “walls in” of their properties, including the bathroom and kitchen areas. Owners should check with their Condo association or apartment complex bylaws to review what you are covered for and what you are not. CIA will work with you to make sure the inside dwelling of your rental unit is properly covered.
Vacant Dwellings
What most property owners don’t realize is that the insurance requirements for a vacant home or rental unit are different than an occupied home. You will need coverage that is specifically written for the risks that vacant property exposes you to. Coverage details may include named peril protection and actual cash value loss settlement.
Builder’s Risk Insurance
Contractors face a variety of risk and loss exposures, whether they are in commercial or residential construction. At CIA, our insurance professionals are familiar with the issues contractors confront throughout the South New Jersey and Philadelphia areas. A builder’s risk policy protects your contracting firm from loss of property and the financial costs that arise from delays due to a covered loss.
