Programs Division

Our programs division maintains underwriting and binding authority with numerous highly rated insurers. Our markets have granted us the ability to underwrite and bind a broad spectrum of classes and coverage in order to allow us to respond quickly and competitively to your needs.

In addition we have developed a number of exclusive programs in conjunction with our markets which address needs specific of certain classes of business.

Our underwriters and staff are not just order takers but find ways to put the most difficult account together for you while still being able to handle the every day main street risk.

Our individual risk underwriting approach fits the righh market at the right rate, with the right coverage to each risk and will help you win accounts. We work in conjunction with our commercial Brokerage division to give you the best of both worlds in putting your risks together.

Click these links to learn about the coverage our Program Division offers in the following areas:

Commercial General Liability
Minimum Premium $1,500 Mono Line, $1,000 When Written with Other Lines of Business...more.

Commercial Property Coverage
Minimum Premium$1,500 Mono Line $1,000 When Written With Other Line...more.

Commercial Package Policies
We can offer coverage on a package basis for virtually every class for which we provide liability and/or property coverage. ...more.

Automobile and Transportation Risks
We Offer Coverage for Risks From Single Units to Fleets...more

Restaurant Program including Liquor Liability
We are able to offer package coverage on virtually any restaurant. ...more

Vacant Property
Flexible property terms...more

Construction
ARS is one of the premier wholesalers when it comes to placing difficult Construction Risks...more

Owner's Interest Package
This special program is designed for the owners of properties that are vacant or under renovation or rehabilitation as well as for Owners having new buildings constructed...more

Garage Coverage
Garage coverage policies are all available as package policies...more

Real Estate
ARS will fully analyze real estate exposures to secure coverage for the most challenging classes of business and the most sophisticated insureds...more

Builders Risk/Inland Marine
ARS offers extensive markets and expertise on securing competitive Builders Risk and Inland Marine Risk quotations. We can place coverage for both small and large risks...more

Boiler/Machinery/Equipment
ARS offers wide-ranging means to place boiler and machinery accounts of all sizes - from small apartments buildings to the large medical equipment schedules. ...more

Umbrella/Excess Liability
ARS offers extensive capabilities to place umbrella and excess liability risks of all sizes - from small $1 million umbrellas to the large-layered excess programs exceeding $200 million limits...more

For more information please CLICK HERE to contact ARS.