Specialty Insurance

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

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Category Coverages

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.

Complete Event Protection
  • Weather Insurance

    Event weather insurance protects against revenue losses from adverse weather conditions that reduce attendance and the sale of concessions, food and parking.


Individual Coverages

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Additional Categories

Hazardous Materials & Hazardous Waste Haulers

Hazardous Materials & Hazardous Waste Haulers
Customer Profile - any insured who has vehicles that carry any material which if spilled, could be deemed as environmentally damaging. Such an incident would be excluded from standard auto coverage. PROGRAM FEATURES: • Commercial Trucker Forms, ISO Motor Carriers Coverage Form or Truckers Form (in some states). Motor Truck Cargo, Commercial General Liability for truckersCOVERAGES: • Auto Liability, Physical Damage, Excess Auto, Pollution, Cargo. Commercial General Liability. POLICY HIGHLIGHTS:• MCS 90 endorsements. Sudden and accidental pollution coverage, Upset and overturn, loading and unloading coverage, No minimum premiums, Regulatory filings provided. This explanation of insurance benefits is provided by Insurance Marketplace.

Warehouse Operators Legal Liability

Warehouse Operators Legal Liability
This coverage insures the liability imposed by law on the insured for loss or damage to (or destruction of) property of others that is in its warehouse. It is written on inland marine coverage forms and policies but is essentially a legal liability bailee coverage. Values can be significant. This explanation of insurance benefits is provided by Insurance Marketplace.

Weather-related Coverages

Weather-related Coverages
Weather insurance is designed to protect the insured sponsor of an outside event or a manufacturer that designs a product (whose promotion depends on a weather-related risk). This coverage is especially useful in three situations: (1) cancellation of events, such as outdoor concerts, civic and fraternal outdoor events, carnivals, lawn parties, outdoor weddings and receptions, parades, and sporting events; (2) as a marketing sales tool, such as an air conditioner manufacturer that offers incentives to customers in order to increase sales but then endures a cool summer, or a snow blower manufacturer that offers refunds if the winter’s snow accumulation is substantially less than average; or (3) to stabilize cash flow, such as when too little snowfall reduces a ski equipment manufacturer's sales. Insurers set objective and observable criteria that must be met in order for a payout to occur. An application that gives details of the event or promotion must be completed before coverage takes effect. This explanation of insurance benefits is provided by Insurance Marketplace.

Weddings

Weddings
A basic insurance policy that covers loss of photos, videos, attire, presents, rings and deposits usually costs anywhere between $155 and $550, depending on the amount of coverage you want. General liability insurance, which covers up to $1,000,000 for accidents, costs around $185.Rain, some say, can be good luck on your wedding day. But blizzards, sudden injury, or illness, can ruin the happy day. While you may not be able to prevent the unexpected, you can protect a portion of your investment by planning ahead. If you're thinking about buying wedding insurance—also called special event insurance—you should know that it has two parts. Cancellation or postponement coverage is one. If extreme weather forces cancellation, for example, this coverage will reimburse you for deposits or even the entire cost of a service or rental of a venue. It also can help pay for the costs incurred to reschedule the celebration.Whether your claim of extreme weather will be honored is a little less clear. If the wedding is canceled due to weather that has been deemed a state of emergency, the insurance will typically be honored. But if it is canceled due to a severe storm that is localized rather than statewide, the insurance company will have to make a decision. "The other part—liability coverage—indemnifies you if someone is injured during the wedding, or if there is property damage. You can buy either type of wedding insurance coverage, or both types. Before buying wedding insurance, check the coverage you already have. If you have homeowners or renters insurance, for example, these policies will reimburse you if wedding gifts are stolen or lost from your home or car. They also cover injuries to guests. Umbrella coverage, purchased on top of a homeowner policy, increases liability coverage for a small premium.If you plan on holding a wedding at home, consider buying or increasing your policy's umbrella coverage. This explanation of insurance benefits is provided by Insurance Marketplace.

Workers Compensation

Workers Compensation
Workers compensation insurance is based on a system of state laws that require employers to provide medical care, disability benefits, and lost wages to employees injured or disabled in the course of their employment. 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