Prize indemnity insurance is indemnification insurance for a promotion in which the promoter pays a premium to an insurance company, which then reimburses the insured should a prize be given away.
Confluence Insurance offers more than 700 insurance products over and above the coverages sold by most independent agencies.
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Complete Event Protection
Events, both small and large, can take many unexpected turns. Risk exposure for clients include interruptions, problematic weather, and liability. This Category of specialty insurance coverage includes four important policies: Special Event Liability, Event Cancellation, Weather Insurance, and Prize Indemnity. Whether you're planning a wedding, a hole-in-one grand prize at a tournament, or a music festival for thousands, this is coverage you'll want to understand.
Flooding is defined by the National Flood Insurance Program as a general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or two or more properties (at least one of which is your property) from: Overflow of inland waters, unusual and rapid accumulation or runoff...
Flood insurance policies cover physical damage to your property and possessions from floods or flood-related losses due to rising water in high risk areas. The federal government runs the National Flood Insurance Program (NFIP), which can issue flood insurance policies. Even if you have, renters, condo, landlord, mobile home or business insurance, you may need to purchase a separate flood insurance policy to have protection from flood damage. Most homeowners insurance policies do not cover damage caused by flooding. This is important to check when getting flood insurance quotes. If your community participates in the National Flood Insurance Program (NFIP), you can buy flood insurance coverage through agents enrolled in the NFIP-Direct program.
Commercial Excess Flood Program
Our Commercial Excess Flood Program provides coverage excess of an NFIP policy limit.
Commercial Primary Flood
Philadelphia Insurance Companies (PHLY) understands that protecting your business assets from a flood is very important.
National Flood Program
Philadelphia Insurance Companies (PHLY) is an authorized federal flood insurance writer, with flood programs available in all 50 states.
Architects and Engineers, Professional
Automobile Insurance Plans-Physical Damage
Automobile Leasing Contingent Liability- Physical Damage
Automobile Nonstandard Liability- Physical Damage
Automobile Physical Damage (Kits/Replicas/CustomCars)
Automobile Repossessors Liability
Automobile Sport and High Performance Cars
Consultants Professional Liability
Dentist Professional Liability
Directors and Officers Liability- Non-Profit organizations
Employment Benefit Plans Liability
This insurance covers the insured employer against claims made by its current or former employees due to damages caused by negligent acts, errors, or omissions in the employer’s administration of employee benefit programs. It covers claims resulting from the giving of incorrect advice concerning an employee's health care or pension plan or for failing to enroll employees under a benefit program. It usually excludes all fiduciary responsibility. It may be written on a separate policy or be endorsed to the employer's commercial general liability policy. This explanation of insurance benefits is provided by Insurance Marketplace.
- General Liability
- Products Liability
- Lessor’s Risk
- Employee Liability
- Lessors Risk
- Commercial Liability Risk
Employment-Related Practices Liability
Equipment Leasing-Lessor Protection
Equipment leasing contracts require that the lessee insure the leased equipment. However, at times the lessee does not meet its obligation. In order to protect its interest in the equipment when such a lapse occurs, the owner can purchase contingent coverage that pays for its interest in the equipment. This coverage can be broadened to include the lessee's interest. This explanation of insurance benefits is provided by Insurance Marketplace.
- General Liability
- Property Damage
- Business Income
- Earthquake, Flood, Windstorm
- Total Loss
- Workers Compensation
Farm and Ranch Properties
High Valued Commercial Property
High Valued Personal Property
Industry/Vendor Service Provider
Lawyers Professional Liability
Medical Professional Liability
Municipal and Public Entities Liability
Parking Garages and Parking Lots
Product Liability- Hazardous or New Products
Professional Employers Organizations
Property Management Errors and Omissions
Railroad Property and Liability Coverages
Technology Professional Liability
Umbrella Liability- Personal
Vacant Properties Insurance
Vacation Income Property
Veterinarians Professional Liability
Yachts and Pleasure Boats
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As a USA InsureNet Agency, we have access to the nation's premier directory of specialty products and programs. You can download this below.
The 58th Edition of The Insurance Marketplace by Rough Notes contains more than 700 coverages, programs, and service industry categories and is the most widely used directory in our industry for locating Specialty Market Providers.
If you see a coverage you are interested in, please reach out through the contact us button for more information.
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Specialty insurance coverages and programs are offered by independent agencies that market/sell those insurance products. These coverages come from companies known as "Specialty Market Providers" or "SMPs" and are represented by Confluence Insurance.