The basic underwriting tenets of Twenty Mile Insurance Services are risk selection and price adequacy. We seek to gain a thorough understanding of the insured’s operations prior to writing the account. We look for accounts that do not expect loss frequency based on the insured’s operations and five-year loss history. Twenty Mile also targets accounts where there is a specialty or expertise developed by the insured over a number of years. Our preference is to work with accounts in which the principal is involved in the everyday operations of the business.
Lines of Business
- Commercial General Liability, Supported Excess GL, Wrap ups, Project Specific Policies.
- Non-Admited
Eligible Classes
- General Contractors & Sub-contractors
- Commercial & Residential Contractors
- Condos
- Tract work
Ineligible Classes
- Blasting, Window installation/repair, Underpinning, Crane operations, Scaffolding operations, Traffic Lights, Traffic Control, Bridges, Pile driving, Demolition
Minimum Premiums: TX - $2500, All other states - $4000.
Minimum Deductible - $2000
Capacity - Primary of 1/2/2, Excess GL layer of 5/5/5
Competitive Advantages of Twenty Mile
- Unlimited Tract
- New Condo construction
- No size restriction
- Provide residential AI completed Operations
- For wraps/project policies, extended completed operations is statute of repose
- Will consider new ventures
- No height restriction
- Silent on subsidence
- Exclusive Markets
- Unparalleled underwriting expertise, allowing for creative solutions
- Claims handling familiar with construction defect type claims.