Qualification Requirements:

Specialty Trade Contractors who subcontract 70% or more of their operations, specifically Drywall Contractors, Carpenters, Painters, Electricians, HVAC Installers and Steel Fabricators.

** New Additions** Contractors who provide janitorial services, masonry, communication equipment installation, metal works, plastering.stucco work, interior tile, stone & marble work, and siding installation.

Coverage Outline:

  • Commercial General Liability, up to 2/4/4
  • Includes NY Labor Law Coverage
  • Non-Admitted Program
  • GL Deluxe Enhancement Endorsement
  • EIFS Premise/Operations Coverage
  • Named Insured vs Named Insured Cross Suits Exclusion
  • For Envelope Trades (windows, doors, siding) 85% of work must be subcontracted
  • Risks Operating in the five NYC Boroughs Subcontractors must maintain Minimum $2M Umbrella or Excess

*Availability of NY Free Trade Zone Admitted Placement in NY

Submission Requirements:

  • 5 Years Currently Valued Loss Runs
  • Minimum 3 Years in business or 6 years of construction experience
  • Acord Application & Supplemental Application
  • Copy of Subcontractor Agreement
  • Current Job List or Work in Progress outlining location, scheduled completion date, contract value, job description, and client

Program Underwritten By:

Construction Managers have plenty of project details that need their attention every day, but concern about having the right insurance coverage shouldn’t be one of them.

Quaker Special Risk understands the unique set of risks and challenges faced by Construction Managers and has designed an integrated general liability and professional liability package for CMs, closing the gaps on coverage while offering a new level of comfort and service.

With a combined GL and PL policy, Construction Managers have a clear-cut definition of their coverage and won’t have any question about where a claim would lie – if it would be covered under General Liability or the Professional Liability.

Construction Manager Program Features:

  • Joint professional liability and general liability coverage that eliminates the hassles of having separate policies, coverages for expenses even before a claim has been filed, and best in class claims handling.
  • Building on the innovative combined product are two program enhancements defined as subpoena and defense expense coverage.  If a lawsuit or subpoena is served, we want to jump in early, figure out what’s going on and help out so that no expense is incurred and CMs can focus on their task at hand.
  • We recognize the skill and professionalism associated with qualified Construction Managers in CMAA’smembership base and will offer Certified Construction Managers special credit on their quote.
  • ProSight has teamed up with Quaker Special Risk (QSR) to deliver the Construction Managers program directly to CMAA members. With over 50 years of experience in the construction industry, QSR has deep understanding of the Construction Managers discipline and will work closely with CMAA members’ retailers.

Every day, we work to protect every construction professional – owners, engineers, architects, and contractors – with a stake in the construction industry’s success as well as the people who enjoy the results of their efforts.

Program Underwritten By:

Qualification Requirements:

Residential Paper General Contractors must be involved solely in the construction of single family homes which will subsequently be sold to individual unit owners. Maximum 25 new starts per policy year.

Coverage Outline:

  • Commercial General Liability, up to 2/4/4
  • Policy Form: CG0001 (04/13)
  • Per Project Aggregate
  • Blanket Additional Insured (CG2010 (04/13), CG2012, CG2018, CG2037)
  • Blanket Waiver of Subrogation
  • Primary Non Contributory
  • Unique Rating Structure
  • OOPS Coverage Available
  • R.I.C.H. Endorsement Available
  • Minimum Premium $5,000 (All Except NY)
  • NY Minimum Premium $10,000
  • Excess (EX) coverage available up to $5M in limits

Submission Requirements:

  • 5 years of currently valued loss runs
  • Minimum 3 years in business or 6 years of construction experience
  • Acord Application & LHB Application
  • Copy of Subcontractor Agreement
  • Number of new home starts and average sales price per home
    *Other markets are available  for risks not fitting this profile.

Program Underwritten by:

Let Quaker Special Risk navigate the way through our unique yacht program.  We insure all types of vessels moored domestically or abroad.  We have no minimum or maximum hull value.  Our underwriters provide solutions to the most challenging yacht risk as well as those looking to provide additional options for their insured.


  • Pleasure Yacht
  • Corporate Owned Yacht
  • Six Pack Charter
  • Charter Fleet
  • Stand Alone Excess Protection and Indemnity
  • Protection  and Indemnity limits available to $500,000,000

Florida Only Yacht

  • No minimum hull value
  • Full time mooring in Florida
  • Flexible captain requirements
  • Maximum speed 85mph


  • Lloyds of London
  • Osprey Special Risk
  • Lead Yacht
  • Royal Sun Alliance
  • Travelers St. Paul
  • Ace Recreational Marine
  • Chubb
  • Fireman’s Fund
  • Allianz
  • Chartis Private Client Group
Submission Requirements:

Quaker Special Risk focuses on difficult to place Umbrella and Follow Form Excess classes of business that are not acceptable to standard markets.  Catastrophic losses can affect any type of insured.

Coverage Features:

  • Up to $25M lead Umbrella capacity
  • Up to $50M excess layer capacity
  • Admitted paper available depending on risk
  • Ability to write monoline or in conjunction with the primary
  • UmbrellaExcess General LiabilityExcess Auto, or Excess Professional

Classes of Business Include But Not Limited To:

  • Allied Health
    • Home Healthcare
    • Nursing Homes
    • Outpatient Medical Facilities
    • Physical Therapy Centers
  • Construction
    • Commercial and Residential Contractors
    • Contractors Equipment Rental
    • Owners Interest – Construction
    • Project Specific Construction
    • Wrap Up Construction Projects
  • Habitational – Targeting Large Schedules
    • Apartments and Condominiums
    • Homeowners Associations
  • Logging and Sawmill Operations
  • Manufacturing – Heavy and Light
    • Amusement Devices
    • Auto Parts
    • Chemicals
    • Cosmetics
    • Industrial Equipment
    • Pharmaceuticals (claims-made)
    • Safety Equipment
    • Toys
  • Municipalities – Small
  • OL&T
    • Clubs – Exercise/Health/Swim
    • Hotels/Motels
    • Offices
    • Religious Institutions
    • Restaurants/Bars/Nightclubs
    • Retail/Strip Malls
    • Self Storage Facilities
  • Professional Services
  • Public Entities
  • Real Estate Management
  • Service Organizations
  • Transportation
    • Ambulances
    • Bus Fleets
    • Limousines
    • Private
    • Truck Fleets
Submission Requirements:
  • Acord 125, 131, and other applicable forms
  • Class Specific Supplemental Application
  • 5 Years of currently valued loss runs for underlying lines of coverage
  • Complete description of all claims paid or reserved in excess of $15,000
  • Narrative description of operation and target premium
  • Copy of all underlying Dec pages and a schedule of endorsements and exclusions, or a full copy of the underlying binder/quote
  • MVRs and schedule of autos including type, weight, use, capacity, commodities hauled, and radius if submitting to go over Auto Liability

Product claims are constantly arising in the media.  Quaker Special Risk aims to provide coverage to manufacturers or importers of products with low to high hazard risk.  Our markets will consider products manufactured in all countries and across all industries.  Submissions are considered for both new ventures and the well established companies with prior claim activity.

Coverage Features:

  • Worldwide Coverage
  • Occurrence or Claims-Made
  • Products Liability With Vendors
  • Product Recall Expense
  • Minimum Premiums as low as $3500

Products Including But Not Limited To:

  • Amusement Devices/Roller Coasters
  • Automotive
  • Bicycles
  • Boats
  • Chemical
  • Fireworks
  • Medical Equipment/Expendables
  • Motor Homes
  • Mobile Modular Housing
  • Noncritical Aircraft Products
  • Pharmaceutical/Nutraceuticals
  • Playground Equipment
  • Respirators
  • Sporting Goods
  • Toys
  • Trailers
  • Weapons
Submission Requirements:

Quaker Special Risk offers insurance solutions nationwide through admitted and non-admitted markets to meet the needs of homeowners, condominium unit owners and tenants.

Admitted High Value Package

Minimum Coverage A for this program is $500,000 with no maximum Coverage A limit.  Our risk portfolio contains coastal properties from such states as Florida, North Carolina, South Carolina, Hawaii, and California.  Eligibility is based on type of construction, year built, valuation, and if multiple locations to be covered.  Risks ineligible for admitted coverage would be eligible with one of our non-admitted markets.

  • ACE
  • Chartis Private Client Group
  • Chubb
  • Fireman’s Fund
Programs Offered:
  • Guaranteed Replacement Cost
  • High Deductible Options
  • Unlimited Loss of Use
  • Unlimited Water Back Up Coverage
  • Loss Control Services
Lines Offered:
  • Home
  • Auto
  • Umbrella
  • Valuables
  • Yacht
  • Workers Compensation
  • Excess Flood

Application:  Acord Applications for each line

Non-Admitted Homeowners

No minimum limit or maximum limit.

Coverage Options Include:
  • Coastal Homeowners
  • Unprotected Homeowners
  • Builder Risk
  • Partially Completed Builders Risk
  • Non-Renewals or Cancellation Due to Losses
  • Vacant Homes
  • Homes Owned By Trust, Estate, LLC or Corporation
  • HO-3, HO-4, and HO-6
  • Homes rented to others
  • Package with Inland Marine, Excess Flood, and Umbrella
  • Wind Only in Florida
  • Wind Deductible Buy Back
  • Excess Wind and Excess Property
  • Extended Replacement Cost, Water Backup, Identity theft and other enhanced coverage available
Submission Requirements:

About 75 million Americans were born in the Baby Boom era.  As baby boomers can’t avoid the inevitable aging process, the healthcare and specifically home healthcare industries have experienced a boom of their own.  Quaker Special Risk has access to 10 of the most highly rated carriers, writing the most competitive coverage.

Typical limits are $1M/$3M for both PL & GL or combined.  Limits are available up to $5M/$5M with Excess layers above that.  Deductibles can start at $0 and minimum premiums are starting at $2,500.

Special Coverage Endorsements Offered:

  • Non-Owned Auto
  • Sexual Abuse/Molestation
  • Prior Acts
  • Occurrence GL/PL coverage
  • Defense in Addition to Limits
  • Coverage for Medical Directors or Employed Physicians
Submission Requirements
  • Home Healthcare Application (specific carrier application required to issue for select markets)
  • Evidence of retro dates
  • Currently valued loss runs for the past 5 years

Writing Related Miscellaneous Medical Professional Classes:

  • Diagnostic Medical Testing
  • Dialysis Centers
  • Drug & Alcohol Rehabilitation
  • Home Medical Equipment
  • Hospices
  • MRI Centers
  • Medi-Spas
  • Mental Health Facilities
  • Non-Emergency Medical Transport
  • Nurse Staffing
  • Organ Banks
  • Outpatient Physical Therapy
  • Sleep Centers
  • Surgical Centers
  • Weight Loss Clinics

Quaker Special Risk has nationwide in-house binding authority for Excess and Primary Flood.  Coverage is provided through various Lloyds Facilities and US domestic carriers.

Coverage Offered:

  • Up to $5,000,000 in-house binding authority for Residential and $3,000,000 on Commercial properties.
  • Excess over residential condominium buildings
  • Primary Flood in coastal barrier resource(CBRA) areas and non-participating communities
  • Excess Residential Flood packaged with the insured’s Homeowners policy
  • Flood deductible buy down
Submission Requirements:
  • Excess Flood Application
  • Elevation Certificate for A or V Zones
  • Zone Determination for B, C, or X Zones
  • Primary Flood Quote/Dec Page

Construction Managers Program

Quaker Special Risk understands the unique set of risks and challenges faced by Construction Managers and has designed an integrated general liability and professional liability package for CMs, closing the gaps on coverage while offering a new level of comfort and service.

Read more »

Luxury Home Builders Program

Residential General Contractors must be involved solely in the construction of single family homes which will subsequently be sold to individual unit owners. Maximum 25 new starts per policy year.

Read more »

Artisan & General Contractors

With our office headquarters located in the Northeast, the large construction presence has helped us become familiar with the special needs and requirements that contractors are facing. In response, we’ve custom designed several programs to provide contractors with superior coverage.

Read more »

Personal Lines

Quaker Personal Insurance Solutions provides a wide array of admitted and non-admitted solutions for your affluent personal lines clients.

Read more »

Notable Accounts:

Environmental contractor with $1MM/$2MM limits. Premium $6,500. $5MM excess premium $6,000.