Product Overview - Current Portfolio

Gridiron provides unique programs that fill a unique need in the marketplace. We currently manage ten distinct product offerings. These products include some mono-line offerings as well as package products. Some products are available on a regional basis, while some are offered on a nationwide basis. Our products are highly focused and technology driven with 5 dedicated product portals which enable our customers to access our products in real-time.

We partner with some of the leading insurers in the marketplace on our programs. We provide stable capacity and a safe home for your insurance placements. Please contact us if you would like to learn more about one of our offerings.

Non-Cat Property (25M Max Limit)

Gridiron provides substantial competitive capacity for Non-Catastrophe related commercial property. 

This includes Property excluding wind/hail in coastal zones and excluding quake in western states. We have the ability to consider All Perils on inland (tier 3) risks.

Our appetite is commercial non-habitational risks. We employ a robust underwriting functionality for all accounts which include consideration of local building ordinances, location loss trends, risk mapping/modeling and portfolio impact analysis/aggregation. Our preferred approach is a lower cost basis with increased retentions.

Coverage is provided by an A.M. Best rated A (XV) Non-Admitted carrier. Coverage is available in 22 states.

Cat Property (5M Max Limit)

Gridiron provides Tier 1 Wind/Hail coverage for select commercial risks with values up to $5,000,000.

We utilize various analytical tools as well as CAT modeling software. Disciplined in our approach, we offer capacity with metric driven performance. Gridiron has the ability to package including liability on select risks as well. Coverage is provided via an A (XV) rated Non-Admitted carrier.

Coin Laundries

Gridiron offers a combined facility for coin laundries and small community churches, separately.

Both products are package products with a tremendous amount of enhancements. Maximum property limit is $1,000,000 for each type of risk. Both risks present unique coverage problems and our coverage from is tailored to their specific needs. Coverage is provided via an A (XV) rated Non-Admitted carrier.

Community Churches

Gridiron offers a combined facility for coin laundries and small community churches, separately.

Both products are package products with a tremendous amount of enhancements. Maximum property limit is $1,000,000 for each type of risk. Both risks present unique coverage problems and our coverage from is tailored to their specific needs. Coverage is provided via an A (XV) rated Non-Admitted carrier.

Inland Marine - Admitted

Gridiron Insurance Underwriters offers nationwide coverage for wide assortment of inland marine classes.

Our offerings include Contractors Equipment, Builder’s Risk, EDP, MTC, Medical Equipment, Warehousemen’s Legal Liability, Bailee’s, Communication Equipment and Miscellaneous Property Floaters    Gridiron utilizes an admitted A+ (XV) carrier for this program.  This program is also supported by an online E-Portal called, Inland Pro.  Inland Pro allows our customers to access our inland marine program online for lower limit business.

Assisted Living (Florida Only)

Gridiron is a long-term dedicated program manager in the ALF market space in Florida.

Our niche targets in-home facilities with 15 beds or less. We do have the ability to entertain risks up to 50 beds. Coverage is available on a claims-made and low limit occurrence option. We target smaller facilities that are looking for basic limit is order to be compliant with state statutes for mandatory coverage.

We have provided stable capacity to this market segment in Florida for over 15 years. Contact us today for your Florida based Assisted Living Facilities.

Excess Liability

Gridiron Insurance Underwriters provides Excess Liability capacity for over 400 different liability classifications.

We have the ability to attach over the GL, Liquor, Auto and Employers Liability.  Our Excess Liability program is tailored to small businesses with less than $10,000,000 in gross receipts.  This program is supported by our online portal known as, Easy Excess.  Easy Excess allows users to access our program in real-time online.  We have a broad appetite and low minimum premiums per million.  This product is written on Non-Admitted A (XII) security.

 

Monoline Business Income (Windpool Zones)

Risks located in wind-pool zones can prove to be very challenging.

Various state wind-pools do not have the ability to provide business income coverage. Gridiron provides coastal mono-line B.I. coverage up to $250,000 per location. There are restrictions in certain zones, but our program provides valuable capacity where state wind-pools cannot.

Coverage is provided by an A.M. Best rated A (XV) Non-Admitted carrier. Coverage is available in 5 states.

Primary, Buffer & Excess Flood

Gridiron has begun offering a solution for private Non-NFIP flood in the states of California, Florida, Georgia, North Carolina & South Carolina. Our flood program is a private market alternative to the NFIP with very distinct benefits. It provides replacement cost coverage and business interruption/loss of use for qualified risks. We have capacity up to $20,000,000 any one risk and will look at accounts on a ground up, primary, buffer & excess basis. For risks $2,500,000 and less in values, we have an online portal as well called Flood on Demand that provides a fast turnaround for you and your clients. We are not a market for V zone business, severely negative elevated risks, risks on barrier islands and risks with previous flood losses. Contact us if you would like to know more about this cutting edge product!

Gridiron Package Select

Gridiron Package Select (GPS). GPS is a fully automated program platform that is designed for small commercial businesses. Coverage is available for both property and commercial general liability. GPS is a package only product that is eligible for over 350 Liability class codes. Property coverage includes additional broad enhancements such as Accounts Receivable, Valuable Papers, EDP, Employee Dishonesty and many more. GPS is able to quote, bind and issue in real-time with speed and efficiency through a dedicated product portal.

Coverage is offered by Interstate Fire & Casualty, an Allianz company and is available in 22 states. This product is written on Non-Admitted (A+XV) paper.