Specialty Insurance

ISU Insurance Services of San Francisco offers more than 700 insurance products over and above the coverages sold by most independent agencies.

Filter Results by Coverage Name (Use the first letter of any coverage title)

Category Coverages

Flood Insurance

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.

Flood Insurance
  • 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.


Individual Coverages

Fire Sprinkler Insurance

Fire Sprinkler Insurance

Flood Insurance

Flood Insurance

Additional Categories

Directors and Officers Liability- Financial Institutions

Directors and Officers Liability- Financial Institutions
Financial institutions are one of the most difficult classes of directors and officers liability to insure because they are subject to significant regulatory and civil actions against their directors and officers. This explanation of insurance benefits is provided by Insurance Marketplace.

Farm and Ranch Properties

Farm and Ranch Properties
Farms and ranches have always been considered a specialty line of insurance. Some major carriers have separate divisions to underwrite farm, ranch and/or agribusiness risks. Dwellings, farm buildings, equipment, and livestock at one location can expose significant values to a single loss. Most farm properties are unprotected and do not have readily available water or paid fire department service. Policies written on farms and agribusinesses often combine both personal and commercial property and liability exposures. Larger farms and corporate farms are usually underwritten as commercial lines while family farms are underwritten as more personal lines. This explanation of insurance benefits is provided by Insurance Marketplace.

Financial Institutions/Services

Financial Institutions/Services
Financial institutions' theft and trust exposures are significant and require underwriting specialists to analyze and insure them. Banks, savings and loan associations, mortgage bankers, and other financial institutions' exposures are based on their balance sheets, services offered, contractual obligations, and regulatory compliance. The exposures must be analyzed thoroughly to determine the exposures that must be insured and the ones that can be minimized or self-insured. By using deductibles, large cash and securities exposures can be covered more efficiently and proper attention paid to the truly catastrophic exposures. Some of the more important specialized coverages include financial institution bonds, errors and omissions coverage for trust department operations, lenders' single interest coverage on auto and vehicle loans, mortgage errors and omissions, and financial consultants' errors and omissions coverages. Directors and officers' liability coverage must also be considered. This explanation of insurance benefits is provided by Insurance Marketplace.

Fine Arts- High Values

Fine Arts- High Values
Fine arts insurance coverage on both personal and commercial exposures and collections is usually written under inland marine coverage forms. In most cases, each item is scheduled and insured for specific stated amount. Because statuary, sculptures, paintings, and antiques are "one-of-a-kind" art objects, competent appraisers must determine their values. These values should be adjusted regularly because of the inconstancy in the art market that can cause values to skyrocket and then plunge. Security and loss prevention measures that are subject to enforceable warranties are often required. This explanation of insurance benefits is provided by Insurance Marketplace.

Firearms/Shooting Risks, Dealers and Distributors

Firearms/Shooting Risks, Dealers and Distributors
Comprehensive insurance programs are available for firearms wholesalers, distributors, retailers, gunsmiths, ammunition manufacturers, and indoor and outdoor shooting ranges. They are treated as specialty business because of the hazards that firearms and live ammunition present. Commercial general liability, products liability, and broad form vendors' coverages are important because many state and federal regulations require them. Property coverage on firearms and ammunition may also be available. Deductibles usually apply to premises hazards. This explanation of insurance benefits is provided by Insurance Marketplace.

Health Foods Industry

Health Foods Industry
Health foods have become more popular because of concerns about the potential problems with foods grown using a variety of pesticides, herbicides, and other chemical compounds. Property and casualty insurance programs that include products liability coverage are available to manufacturers, distributors, wholesalers, and retailers of a wide range of health food products. This industry includes natural foods, organic foods, food supplements, and personal care products. This explanation of insurance benefits is provided by Insurance Marketplace.

Vending Machines Floater

Vending Machines Floater
Inland marine coverage forms and policies insure owned vending machines when located away from the insured's premises. Coverage extends to such property while in transit but not when on the insured’s premises. This explanation of insurance benefits is provided by Insurance Marketplace.

Haven’t found the coverages you're looking for?

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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Sponsors

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 ISU Insurance Services of San Francisco.

ISU Insurance Services of San Francisco, 201 California St, San Francisco, CA 94111, USA | Phone: 415-623-5155