Liability Based Business Classes

TWFG Commercial Business School Liability Based Business Classes In property coverage restricted areas, liability based classes of business provide the best opportunity for agents to continue writing commercial lines. Philadelphia specializes in a number of classes that are liability driven, and they are currently writing a significant amount of business in the Gulf Coast region.

TWFG Commercial Business School Liability Based Business Classes Philadelphia A++ Rated Over $2B in Written Premium $2B in Policyholders Surplus Combined Ratio consistently under 100% Operate in all 50 states Focus on “Niche Markets” written on admitted paper

TWFG Commercial Business School Liability Based Business Classes Philadelphia Phily’s success lies in careful underwriting and being very competitive when they quote. Agents should expect some additional underwriting requirements, such as: Specialized Supplemental Applications Photos Business Plans & Financials You can view their submission requirements by class on their website @ www.phly.com/products

TWFG Commercial Business School Liability Based Business Classes Philadelphia Successful Niche Markets Human Services Social Services for Profit & Non Profit Mental Health Organizations Schools-Private, Academic, Charter & Vocational Industry Services Security Services – Alarm Installation/Security Guards Temporary Staffing Agencies Builders’ Risk Contractors’ Pollution/Professional & Premises Pollution

TWFG Commercial Business School Liability Based Business Classes Philadelphia Successful Niche Markets (Continued) Recreation & Entertainment Amateur Sports Sports Camps Sports Leagues Health & Fitness/24 Hour Outdoor Products Camp Operations Guides & Outfitters

TWFG Commercial Business School Liability Based Business Classes Philadelphia Successful Niche Markets (Continued) Miscellaneous Business Auto Fleet Limousine Operations/Chauffeured Services Professional Liability Professional Liability – Specified Professions Accountants, Allied Health, Chiropractors Life Coaches, Mental Health Professionals Temporary Staffing Agencies

TWFG Commercial Business School Liability Based Business Classes Human Services Home Health Care Description of Operations: Provide services such as equipment rental, visiting doctors and nurses, physical therapists Care ranges from companion care to medical treatment care to end-of-life home based hospice care

TWFG Commercial Business School Liability Based Business Classes Human Services Home Health Care Professional Liability Exposure: Professional Liability is a major exposure. Nurses receive directions from physicians and should follow approved procedures Employees’ backgrounds and certifications must be verified and all licenses must be kept up to date Employee staff must not perform duties outside of their areas of expertise

TWFG Commercial Business School Liability Based Business Classes Human Services Home Health Care Crime Exposure: Exposure is from employee dishonesty of both money and inventory All ordering, billing, and disbursement must be handled by separate individuals and monitoring must be constant

TWFG Commercial Business School Liability Based Business Classes Human Services Home Medical Equipment Dealers Description of Operations: Provides a variety of home health care medical supplies and equipment, including: Apnea Monitors Chemotherapy Supplies Antibiotics Therapy Supplies Scooters Wheelchairs Etc…..

TWFG Commercial Business School Liability Based Business Classes Questions???