Elite Partners Insurance Captive (EPIC)

Elite Partners Insurance Captive (EPIC)
Open Distribution Group Captive Program
 
The Hartford has partnered with Innovative Risk Management (IRM) to bring together a group of preferred risks who have committed to a higher level of control over their risk management and insurance programs.
 
Program Availability

• Risks in business for a minimum of three years and financially sound
• Risks with low severity characteristics
• Risks with manual premiums between $250,000 and $3,000,000
• Risks with sound risk management practices with established safety/loss control programs

The following are examples of eligible classes:

• Retail Chains
• Distributors
• Grocery Stores
• Food & Dairy Processors
• Bottlers and Beverage Distributors
• Light Manufacturing (with low hazard products exposure)
• Restaurant & Fast Food Chains
• Warehouse & Storage
• Printing, Graphics or Publishing
• High-Tech
• Biotech
• Telecommunications

The following Risks are ineligible:

• Risks that fail to meet financial pre-qualifications guidelines
• Hazard Group IV Workers' Compensation exposure or any line of business with a Best Underwriting Guide rating greater than 7
• Transportation (trucking for hire, livery, ambulance, black car, pizza delivery or courier)
• Construction risks - all types
• Hospitals, nursing homes, hospice care, VA Centers
• Temporary staffing firms, leased employee arrangements
• Public entities or any political subdivisions
• Risk with manual premiums less than $250,000
• Risks with a frequency of losses greater than $50,000

Insurance Coverage Availability

• General Liability
• Workers' Compensation
• Auto Liability

Captive Retention: $300,000 per occurrence with annual aggregate protection. 
 

Contact

Innovative Risk Management, Program Administrator

Brian Ricci, Director of Marketing

Phone:  (972) 518-1577

Web site:  www.innovative-risk.com

Agents should contact IRM directly to submit individual accounts.