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All Risks, Ltd. Blog

All Risks, Ltd. Offers New Exclusive Workers' Compensation Product for Restaurants with Delivery

Posted by admin on Jun 18, 2018 12:03:24 PM
RICHMOND, VA (June 18, 2018) – All Risks, Ltd., the nation’s largest independent wholesale insurance brokerage firm, now has a new exclusive agreement with an A.M. Best "A+" rated carrier to offer competitive Workers’ Compensation (WC) insurance to restaurants with delivery operations. Coverage is available in all states except Alaska, Hawaii, North Dakota, Ohio, Washington and Wyoming. Minimum premiums start at $2,500 and there is no percentage delivery maximum.

Retail insurance agents nationwide can receive a Workers’ Compensation quote for restaurants with delivery operations under the following class codes:
• NCCI: 9082, 9083, 7380, 8742, 8810
• DE/PA: 0975, 0897, 0951, 0953
• MI: 9058, 7380, 8742, 8810
• NJ: 9079, 7380, 8742, 8810
• NY: 9074, 9072, 7380, 8742, 8810
• TX: 9079, 7380, 8742, 8810

New ventures are allowed and multi-location/multi-state risks are also eligible. Retail insurance agents can submit a completed and signed ACORD 130 application, All Risks supplemental application, current year and three years prior loss runs currently valued (last 90 days), current year premium and payroll, current e-mod worksheet, and large loss detail for any losses above $25,000 for a quote. To receive a WC quote, contact your regional All Risks WC Underwriter direct.

“As a leader in providing Workers’ Compensation insurance, we are proud to introduce this product for a class that can be challenging to place for our retail partners due to the delivery exposure. Not only are we providing new capacity but it is with a carrier that offers products custom made for the unique delivery risks facing the restaurant industry,” confirmed Jim Mitchell, Vice President of Workers’ Compensation and Accident & Health.
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Tags: Workers' Compensation

All Risks, Ltd. Welcomes Justin Johnson, Underwriter for the New Auto Dealers Program

Posted by admin on Jun 15, 2018 10:35:00 AM
HUNT VALLEY, MD (June 15, 2018) – All Risks, Ltd., the nation’s largest independent wholesale insurance brokerage firm, welcomes Justin Johnson as Underwriter for the New Auto Dealers program for the National Specialty Programs unit. In his new role, Justin will focus on providing underwriting capabilities for new auto dealer classes, such as franchised new car, motorcycle and truck dealerships, large non-franchised dealers, as well as ATV and RV dealers. Coverages include Comprehensive and Collision, False Pretense, Economic Loss, Weather Reimbursement, Spot Delivery and Stated Amount. The Dealer’s Open Lot market is available nationwide, excluding Arkansas, Kansas and Oklahoma.

Justin most recently was a Residential Mortgage Loan Originator at Capital Bank. He was also recognized for many achievements, including a top 20 loan officer and a three-time recipient of the monthly Caught In Action Award from coworkers. He led the entire company in total client written compliments, and also received the Customer First Award from senior leadership for consistent hard work and commitment to total customer satisfaction on a daily basis.

“With his extensive sales experience and proven track record for superior customer service, we felt that Justin would be an integral part of the New Auto Dealers program as we continue to partner with top carriers who offer broad coverage forms in the dealer insurance marketplace,” affirmed Kevin Gast, Program Manager.

Justin Johnson can be reached at 410-828-5810, extension 3558, 443-243-1801, or
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Tags: Commercial Lines

Record Retention and Destruction for Accounting Firms

Posted by admin on Jun 7, 2018 4:57:48 PM

Now that tax season is in the rearview mirror, your accounting firm clients might be doing some delayed "spring cleaning."

With over 20 years of industry experience, Kim Stone-Vilim, CPA, in collaboration with the law firm of Bullivant Houser Bailey PC, has developed a great sample record retention & destruction policy that you can share with your accounting clients.
A solid record retention and destruction policy details the responsibilities of employees for maintaining, preserving, and ultimately disposing of the organization’s records—both electronic and hard copy. Key components of such a policy include confidentiality, storage and protection criteria, and retention periods, which vary according to the client status and type of document.

You can download the sample Record Retention and Destruction Policy below and share with your accounting firm clients to serve as a helpful tool and reminder.

Download the Records Retention and Destruction Policy

Also, don’t forget to contact All Risks for your client’s no-obligation Accountants E&O quote. 


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Tags: professional liability


Posted by admin on May 23, 2018 1:36:12 PM

HUNT VALLEY, MD (May 18, 2018) – All Risks, Ltd., the nation’s largest independent wholesale insurance broker, has hired Marya Propis as Senior Vice President – Director of Distribution and Broker Partnerships.

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Tags: Press Release


Posted by admin on May 11, 2018 3:45:00 PM


MINNEAPOLIS, MN (May 10, 2018) – ALIVE RISK, a division of All Risks, Ltd., is pleased to announce that commercial insurance agents can now submit special events insurance risks online and receive instantaneous quotes. The easy-to-use platform is available to retail agents nationwide for one-day or short-term events such as festivals, conventions and weddings. Concessionaires, vendors and exhibitors are also included. ALIVE RISK has partnered with an A.M. Best “A+” XV rated carrier to provide broad coverage options.

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Tags: Commercial Lines, Online Quoting, Special Events

Occupational Accident & Workers' Comp....What's the difference?

Posted by admin on Apr 24, 2018 3:05:59 PM

Workers' Compensation or Occupational Accident Coverage - which is the right product for your client?

  Workers' Compensation Occupational Accident
Type of Coverage State Regulated Optional
What Does It Cover? Pays medical bills, death benefits and replaces certain lost wages Pays medical bills, death benefits and replaces certain lost wages
Who Does It Cover? Employees injured on the job Independent Contractors injured on the job
Benefits Unlimited  Subject to limits
Admitted vs. Non-Admitted Admitted Admitted & Non-Admitted
Type of Policies One policy for the entire company

Policy written on a group basis. Group size is dependent upon industry.

Who Pays? The Employer The Independent Contractor

Why Purchase Occupational Accident Insurance?

  • Business owners can protect themselves from expensive lawsuits and costs by Independent Contractors seeking reclassification to employee status
  • Limits in coverage allow employers to manage costs
  • Zero deductible and competitive monthly premiums
  • Independent Contractors have peace of mind that they are protected

Learn more about Occupational Accident! »

*Occupational Accident is not a substitution for Workers' Compensation and does not satisfy statutory requirements for Workers' Compensation.

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Tags: Workers' Compensation

Jeff Gumaer Joins All Risks, Ltd.'s Richmond, VA Office as Assistant Vice President and Team Leader

Posted by admin on Apr 10, 2018 4:57:56 PM

RICHMOND, VA (April 10, 2018) – All Risks, Ltd., the nation’s largest independent wholesale insurance broker, is pleased to announce that Jeff Gumaer has joined the Richmond, VA office as Assistant Vice President and Team Leader.  In this role, Jeff will manage the Virginia Property and Casualty binding team.  He will also actively produce binding and contract business for risks in the following industries: construction and contractors, manufacturing, wholesale and distribution, real estate and habitational, retail business and small business.

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Tags: Commercial Lines


Posted by admin on Mar 26, 2018 11:50:14 AM






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Tags: architects and engineers, professional liability

Trucking Insurance is Now Available in All Risks, Ltd.'s Workers' Compensation Unit

Posted by admin on Mar 22, 2018 11:29:34 AM

RICHMOND, VA (March 22, 2018) – All Risks, Ltd., the nation’s largest independent wholesale insurance brokerage firm, now offers competitive Workers’ Compensation (WC) insurance to trucking operations in its dedicated WC unit. Coverage is available through multiple A.M. Best A or better rated carriers in most states. Minimum premiums vary by distance driven, state, and carrier selected but can go as low as $10,000.

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Tags: Workers' Compensation

All Risks, Ltd. Hires Larry Allen as Senior Workers' Compensation Underwriter in National Programs Unit

Posted by admin on Feb 16, 2018 12:11:23 PM

HUNT VALLEY, MD (February 16, 2018) – All Risks, Ltd., the nation’s largest independent wholesale insurance broker, is proud to announce that Larry Allen has joined the firm as a Senior Underwriter in California.  As a part of the National Specialty Programs unit, he will be responsible for underwriting large Workers’ Compensation accounts in the healthcare industry.  

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Tags: National Programs

All Risks, Ltd. was formed as an excess and surplus lines facility in 1964. Employing over 900 professionals in 27 locations, we deliver comprehensive commercial and personal insurance solutions exclusively to retail agents and brokers. As brokers or underwriters, we are our agents’ licensed navigators in the specialty insurance market. All Risks provides a full-service platform of brokerage, contract binding and program capability.

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