Covering Unusual Risks
Experts in your niche, with the right plan for you.
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.
Excess Coverage
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 coverages such as general or products liability.
Specialty Lines
When we review your insurance needs, we will design a comprehensive
policy for you that may include...
Know the Basics
As a landlord, you can’t get by with a standard homeowners or property insurance policy. You will need specialized coverage that takes care of the things that matter to you as a landlord. Coverages may include (but are not limited to):
Rental Unit Coverage
Protection from Liability
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.
Avoid unwanted Risk
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 a vacant property exposes you to. Coverage details may include named peril protection and actual cash value loss settlement.
Construction Coverage
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.
Ready to get started?
The insurance professionals at CIA are there for you to provide the specialty insurance program needed to address your specific needs.