Hot Products

 Environmental Liability

 Adco has access to the most competitive markets in the industry for environmental liability.  There is a growing need for this coverage under the Obama administration since environmental standards are getting significantly tougher than they were under the Bush administration.  More and more governmental entities and project owners are requiring independent contractors to have pollution coverage in order to work on a job.  It’s obvious why an environmental contractor such as someone doing  mold remediation would need a pollution policy, but traditional contractors also have a need for pollution policies.    An excavator or grader could uncover pollutants and end up being on the hook for the clean up.    Any contractor dealing with hazardous chemicals(even gasoline) has a pollution exposure.  Environmental liability is sure to be a growing profit center for insurance professionals (and lawyers) for years to come.    Contact any of Adco General’s experienced brokers for a pollution quote.

Construction Managers/Design Build Professional

Construction managers and  design/build professions can be extremely difficult to find quality coverage for at a reasonable price.  Adco general has access to the leading markets for these classes.  The minimum premium for professional liability for a construction manager is $800.  The minimum GL premium for a construction manager is $1500.  For design build professional liability, the minimum premium starts at $4000.    Our markets have the ability to offer the following coverages:   joint venture coverage, equity interest coverage, punitive damages, employment practices, and various other unique coverages.   We also have the ability to package the GL and professional.   Please think of Adco General next time a construction manager or design/build professional comes across your desk.

Privacy Protection

In today’s society, organizations are responsible for more and more sensitive information every day.   It is imperative for them to protect themselves in the event that this information ends up in the wrong hands.  This could happen though a hacker, an email sent to the wrong person, theft of a document or laptop, and various other possibilities.  A leak of sensitive information could put a company out of business if they are not properly protected.  Adco General has access to the leading privacy protection markets in the industry.  The target classes for this product are retailers, health care providers, professional service providers, technology companies, distributors, and manufacturers.   It covers electronic events(ex. hack) and non electronic events (ex. lost paper files).  The minimum premium is $2500.  Please contact any of our brokers for a quote.


Vacant Buildings

 Vacant Buildings are one of Adco hottest products at the moment.   There is no type of vacant building that we don’t have a market for.   If it’s a newer building that is well secured, we can offer special form.    Typically we can offer equipment breakdown as well.  We have the ability to pay increased commission on this class and can turn quotes around quickly.    Contact any of our underwriters or brokers for a quote.