What We Write Workers' Compensation

See Darby’s Full List of Target Products

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Don’t see what you are looking for? Please call 1-800-922-7283 or contact your underwriter for more information about additional classes of business.

Apartments

Target Clients:
  • Mixed use occupancies
  • No building age restrictions
  • New ventures and new purchases eligible
  • No building height restrictions
  • Package or mono-line general liability
  • Umbrella limits up to $25,000,000
  • Preferred to non-standard risk
Coverages:
  • Property
  • General Liability
  • Earthquake
  • Umbrella
  • Workers’ Compensation
Requirements:
  • Acord application submission
  • Currently dated 4 year loss runs
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT

Architects & Engineers

Target Clients:
  • Engineers: Structural, construction, oil & civil
  • Architects with design
  • Geo tech/thermal engineers
  • Land Surveyors
  • CAD/CAM design
  • Construction Managers
  • No limitation on Scope of projects
  • New ventures and new ownership eligible
Coverages:
  • Contractor’s Pollution Liability
  • General Liability
  • Professional Liability
  • Directors & Officers Liability
  • Employment Practices Liability
  • Cyber Liability
  • Limits of Liability up to $5 million
  • Workers’ Compensation
Requirements:
  • See “applications” for specific form to complete
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT

Artisan/Trade Contractors

Target Clients:
  • Small to medium size artisan contractors
  • More than 30 classes of eligible artisans
  • Artisan entity performing 1 or 2 trades
  • Subcontracting no more than 15-25% in receipts
  • New and used contractors’ equipment owned or leased on a long-term basis
Coverages:
  • Workers’ Compensation
  • Property
  • Inland Marine: Contractor’s Equipment
  • Contractors Liability
  • Blanket Additional Insured Coverage
  • Waiver of Subrogation Coverage
  • Contractors Pollution Liability
  • Professional Liability
  • Excess Liability up to $5 million
Requirements:
  • Acord application submission
  • State Eligibility: AZ, CA, CO, ID, NM, NV, OR, TX

Attorneys/Law Firms

Target Clients:
  • Law firm with 2 or more attorneys
  • Minimal real estate law practice
  • Some claim activity acceptable
  • New ventures and new ownership eligible
Coverages:
  • Workers' Compensation
  • Property/General Liability Package
  • Cyber, D&O, E&O, EPL
  • Hired & Non-owned Auto Liability
  • Excess Liability up to $5 million
Requirements:
  • See “applications” for specific form to complete
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, TN, TX, UT

Automotive Service & Repair

Target Clients:
  • Full service car washes
  • Gasoline or smog stations
  • Frame alignment shops
  • Recreational vehicle & boat storage
  • Car wrap advertisement
  • Auto-related services & repair
  • Body and/or paint shops
  • Auto upholstery shops
  • Auto restoration
  • Brake & muffler shops
  • Radiator, scooter, or tractor/trailer repairs
  • Mobile repair
  • New ventures and new ownership eligible
Coverages:
  • Property: Building & business personal property
  • Garage Liability
  • Garagekeepers’ physical damage
  • Dealers’ physical damage
  • Broadened coverage available
  • Workers’ Compensation
Requirements:
  • See “applications” for specific form to complete
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, OR, TN, TX, UT

Bar & Tavern

Target Clients:
  • Bars, taverns & sports bars
  • Microbreweries
  • Risks with gaming machines such as slot machines
  • Games, dartboards & video games
  • Dance floor or dance area up to 650 square feet.
  • Light entertainment or DJ not more than 2 times a week
  • New ventures and new ownership eligible
Coverages:
  • Workers’ Compensation
  • Property: Building & business personal property
  • General Liability
  • Assault and/or Battery
  • Liquor Liability
Requirements:
  • Acord application submission
  • State Eligibility: AZ, CA, CO, ID, NM, NV, OR,, TX

Beauty, Barber & Nail Salons

Target Clients:
  • Beauty/Barber shops located inshopping malls, hotels & health clubs
  • Cosmetologists, manicurists, massage therapists, estheticians, make up technicians
  • New ventures and new purchases eligible
Coverages:
  • Workers’ Compensation
  • Property
  • General Liability
  • Excess General Liability up to $5 million
  • Professional Liability
  • Sexual/physical abuse sublimit available
  • Hired & non-owned auto liability
Requirements:
  • Acord application submission
  • State Eligibility: AZ, CA, CO, ID, NM, NV, OR, TX

Child Care – Commercial

Target Clients:
  • Any size licensed commercial nursery, pre-school or Montessori schools
  • New ventures and new ownership eligible
Coverages:
  • Workers’ Compensation
  • Property
  • General Liability
  • Umbrella Liability up to $5 million
  • Hired & Non-owned Auto Liability
  • Professional Liability
  • Abuse & Molestation
Requirements:
  • Acord application submission
  • State Eligibility: AZ, CA, CO, ID, NM, NV, OR, TX

Convenience, Deli & Grocery Stores

Target Clients:
  • Small to medium size businesses
  • Alcohol sales and gasoline sales acceptable
  • Businesses with commercial cooking
  • Propane sales
  • New ventures and new ownership eligible
Coverages:
  • Workers’ Compensation
  • Property
  • General Liability
  • Inland Marine
  • Excess General Liability up to $5 million
  • Hired & non-owned auto liability
Requirements:
  • Acord application submission
  • State Eligibility: AZ, CA, CO, ID, NM, NV, OR, TX

Community Associations

Target Clients:
  • Residential or commercial single family homes
  • Residential or commercial condominiums
  • Mixed use occupancies
  • Townhomes
  • Outside CA: Contact underwriter
Coverages:
  • Workers’ Compensation
  • Property/General Liability Package
  • Directors & Officers Liability
  • Employment Practices Liability
  • Umbrella Liability
  • Cyber Liability
  • Fidelity
Requirements:
  • Acord application submission
  • State Eligibility: AZ, CA, CO, ID, NV, OR

Fitness Centers

Target Clients:
  • Health & swim clubs, gyms, circuit training, yoga &pilates studio
  • Incidental massage or child sitting services
  • Computer, radio, camera, stereo & appliance stores
  • New ventures and new ownership eligible
Coverages:
  • Workers’ Compensation
  • Property
  • General Liability
  • Excess General Liability up to $5 million
  • Hired & non-owned auto liability
Requirements:
  • Acord application submission
  • State Eligibility: AZ, CA, CO, ID, NM, NV, OR, TX

Homeowners Association – No Payroll – AZ (2024)

Target Clients:
  • Residential or commercial single family homes
  • Residential or commercial condominiums
  • Mixed use occupancies
  • Townhomes
Additional Coverages Offered:
  • Workers’ Compensation
  • Property/General Liability Package
  • Directors & Officers Liability
  • Employment Practices Liability
  • Umbrella Liability
  • Cyber Liability
  • Fidelity
Requirements:
  • One Page No Payroll Application
  • State Eligibility: AZ, CA, CO, ID, NV, OR

Homeowners Association – No Payroll – AZ (2025)

Target Clients:
  • Residential or commercial single family homes
  • Residential or commercial condominiums
  • Mixed use occupancies
  • Townhomes
Additional Coverages Offered:
  • Workers’ Compensation
  • Property/General Liability Package
  • Directors & Officers Liability
  • Employment Practices Liability
  • Umbrella Liability
  • Cyber Liability
  • Fidelity
Requirements:
  • One Page No Payroll Application
  • State Eligibility: AZ, CA, CO, ID, NV, OR

Homeowners Association – No Payroll – CA (2024)

Target Clients:
  • Residential or commercial single family homes
  • Residential or commercial condominiums
  • Mixed use occupancies
  • Townhomes
Additional Coverages Offered:
  • Workers’ Compensation
  • Property/General Liability Package
  • Directors & Officers Liability
  • Employment Practices Liability
  • Umbrella Liability
  • Cyber Liability
  • Fidelity
Requirements:
  • One Page No Payroll Application
  • State Eligibility: AZ, CA, CO, ID, NV, OR

Homeowners Association – No Payroll – CA (2025)

Target Clients:
  • Residential or commercial single family homes
  • Residential or commercial condominiums
  • Mixed use occupancies
  • Townhomes
Additional Coverages Offered:
  • Workers’ Compensation
  • Property/General Liability Package
  • Directors & Officers Liability
  • Employment Practices Liability
  • Umbrella Liability
  • Cyber Liability
  • Fidelity
Requirements:
  • One Page No Payroll Application
  • State Eligibility: AZ, CA, CO, ID, NV, OR

Homeowners Association – No Payroll – CO

Target Clients:
  • Residential or commercial single family homes
  • Residential or commercial condominiums
  • Mixed use occupancies
  • Townhomes
Additional Coverages Offered:
  • Workers’ Compensation
  • Property/General Liability Package
  • Directors & Officers Liability
  • Employment Practices Liability
  • Umbrella Liability
  • Cyber Liability
  • Fidelity
Requirements:
  • One Page No Payroll Application
  • State Eligibility: AZ, CA, CO, ID, NV, OR

Homeowners Association – No Payroll – ID

Target Clients:
  • Residential or commercial single family homes
  • Residential or commercial condominiums
  • Mixed use occupancies
  • Townhomes
Additional Coverages Offered:
  • Workers’ Compensation
  • Property/General Liability Package
  • Directors & Officers Liability
  • Employment Practices Liability
  • Umbrella Liability
  • Cyber Liability
  • Fidelity
Requirements:
  • One Page No Payroll Application
  • State Eligibility: AZ, CA, CO, ID, NV, OR

Homeowners Association – No Payroll – NV

Target Clients:
  • Residential or commercial single family homes
  • Residential or commercial condominiums
  • Mixed use occupancies
  • Townhomes
Additional Coverages Offered:
  • Workers’ Compensation
  • Property/General Liability Package
  • Directors & Officers Liability
  • Employment Practices Liability
  • Umbrella Liability
  • Cyber Liability
  • Fidelity
Requirements:
  • One Page No Payroll Application
  • State Eligibility: AZ, CA, CO, ID, NV, OR

Homeowners Association – No Payroll – OR

Target Clients:
  • Residential or commercial single family homes
  • Residential or commercial condominiums
  • Mixed use occupancies
  • Townhomes
Additional Coverages Offered:
  • Workers’ Compensation
  • Property/General Liability Package
  • Directors & Officers Liability
  • Employment Practices Liability
  • Umbrella Liability
  • Cyber Liability
  • Fidelity
Requirements:
  • One Page No Payroll Application
  • State Eligibility: AZ, CA, CO, ID, NV, OR

Food Service (Fast Food, Deli, Bakery, Catering)

Target Clients:
  • Fast Food Restaurants
  • Delis
  • Bakeries
  • Catering
  • New ventures eligible
Coverages:
  • Workers’ Compensation
  • Property/Liability Package
  • General Liability (Package or mono-line)
  • Employment Practices Liability
  • Liquor Liability
  • Umbrella Liability up to $5 million
Requirements:
  • See “applications” for specific form to complete
  • State Eligibility: AZ, CA, CO, ID, NM, NV, OR, TX

Healthcare

Target Clients:
  • Healthcare related services
  • New ventures and new ownership eligible
Coverages:
  • Workers’ Compensation
  • Property/General Liability Package
  • General Liability (Package or mono-line)
  • Errors & Omissions Liability
  • Cyber Liability
  • Directors & Officers Liability
  • Employment Practices Liability
  • Hired & Non-owned Auto Liability
  • Excess Liability up to $5 million
Requirements:
  • Acord application submission
  • State Eligibility: AZ, CA, CO, ID, NM, NV, OR, TX

Hotel & Motel

Target Clients:
  • New ventures and new ownership eligible
Coverages:
  • Property
  • General Liability
  • Earthquake
  • Umbrella
  • Workers’ Compensation
Requirements:
  • Acord application submission
  • State Eligibility: AZ, CA, CO, ID, NM, NV, OR, TX

Insurance Agents

Target Clients:
  • Small to large agents & brokers
  • Personal & commercial lines of business
  • Life & health
  • No TPAs
  • New ventures and new ownership eligible
Coverages:
  • Property/General Liability Package
  • Errors & Omissions Liability
  • Cyber Liability
  • Directors & Officers Liability
  • Employment Practices Liability
  • Hired & Non-owned Auto Liability
  • Excess Liability up to $5 million
  • Workers’ Compensation
Requirements:
  • See “applications” for specific form to complete
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT

Janitorial Services

Target Clients:
  • Small to medium size businesses
  • Office or mercantile locations
  • Subcontracting costs represent up to 15% of annual sales
  • New ventures and new ownership eligible
Coverages:
  • Workers’ Compensation
  • Property
  • General Liability
  • Excess General Liability up to $5 million
  • Hired & non-owned auto liability
Requirements:
  • Acord application submission
  • State Eligibility: AZ, CA, CO, ID, NM, NV, OR, TX

Laundromat & Dry Cleaners

Target Clients:
  • Small to medium size businesses
  • New ventures and new ownership eligible
Coverages:
  • Workers’ Compensation
  • Property
  • General Liability
  • Excess General Liability up to $5 million
  • Hired & non-owned auto liability
Requirements:
  • Acord application submission
  • State Eligibility: AZ, CA, CO, ID, NM, NV, OR, TX

Manufacturing

Target Clients:
  • Small to medium size manufacturers
  • Import exposure eligible
  • New ventures and new ownership eligible
Coverages:
  • Workers’ Compensation
  • Property
  • General Liability
  • Excess General Liability up to $5 million
  • Hired & non-owned auto liability
Requirements:
  • Acord application submission
  • State Eligibility: AZ, CA, CO, ID, NM, NV, OR, TX

Medical Offices

Target Clients:
  • Surgical centers
  • Dialysis centers
  • Assisted living facilities/Residential care facilities
  • Radiologists
  • Rehab centers
  • Imaging centers
  • Home care staffing
  • New ventures and new ownership eligible
Coverages:
  • Workers’ Compensation
  • General Liability
  • Professional Liability
  • MED-Defense Liability
  • Employment Practices Liability
  • Hired & Non-owned Auto Liability
  • Excess Liability up to $5 million
Requirements:
  • Acord application submission
  • State Eligibility: AZ, CA, CO, ID, NM, NV, OR, TX

Professional Offices

Target Clients:
  • Businesses providing professional services
  • More than 50 classes of business qualify
  • New ventures and new ownership eligible
Coverages:
  • Workers’ Compensation
  • Property
  • General Liability
  • Excess General Liability up to $5 million
  • Hired & Non-owned Auto Liability
Requirements:
  • Acord application submission
  • State Eligibility: AZ, CA, CO, ID, NM, NV, OR, TX

Property Management

Target Clients:
  • Property managers of apartments & individual homes,
  • Vacation rental management
  • Commercial building management: office, shopping center, industrial
  • Condominium/homeowners association management
  • New ventures and new ownership eligible
Coverages:
  • Property/General Liability Package
  • Errors & Omissions Liability
  • Directors & Officers Liability
  • Employment Practices Liability
  • Cyber Liability
  • Tenant Discrimination Liability
  • Hired & Non-owned Auto Liability
  • Umbrella Liability up to $5 million
  • Workers’ Compensation
Requirements:
  • See “applications” for specific form to complete
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT

Real Estate Agencies

Target Clients:
  • Franchise and non-franchise firms
  • Agents/brokers/independent contractors
  • New ventures and new ownership eligible
Coverages:
  • Workers’ Compensation
  • Business Owners Package
  • Errors & Omissions Liability
  • Directors & Officers Liability
  • Employment Practices Liability
  • Cyber Liability
Requirements:
  • Acord application submission
  • State Eligibility: AZ, CA, CO, ID, NM, NV, OR, TX

Restaurants

Target Clients:
  • Fine dining
  • Family dining
  • Fast Food
  • Risks with gaming machines such as slot machines
  • Dance floor with light entertainment
  • New ventures and new ownership eligible
Coverages:
  • Workers’ Compensation
  • Property: Building & business personal property
  • General Liability
  • Assault or Battery
  • Liquor Liability
Requirements:
  • Acord application submission
  • State Eligibility: AZ, CA, CO, ID, NM, NV, OR, TX

Retail/Wholesale Stores

Target Clients:
  • Wide Variety of retail merchants
  • Wholesale stores
  • More than 100 classes of business
  • New ventures and new ownership eligible
Coverages:
  • Workers’ Compensation
  • Property
  • General Liability
  • Excess General Liability up to $5 million
  • Hired & non-owned auto liability
Requirements:
  • Acord application submission
  •  State Eligibility: AZ, CA, CO, ID, NM, NV, OR, TX

Schools

Target Clients:
  • Charter, private & academic schools
  • See specialty training schools for vocational exposures
  • New ventures and new ownership eligible
Coverages:
  • Workers’ Compensation
  • Property
  • General Liability
  • Abuse, Molestation & corporal punishment
  • Educators Professional
  • Excess General Liability up to $5 million
  • Hired & non-owned auto liability
Requirements:
  • Acord application submission
  • State Eligibility: AZ, CA, CO, ID, NM, NV, OR, TX

Technology

Target Clients:
  • Application service provider/software as a service/cloud provider
  • Consulting/training/project management/staffing
  • Data or records storage, retrieval
  • Back-up/database administration/hardware evaluation, selection & maintenance
  • Software development/installations/sales
  • Systems or network evaluation/design/cabling/support
  • Web design/development/hosting or search engine optimization\
  • New ventures and new ownership eligible
Coverages:
  • Workers’ Compensation
  • Property/General Liability Package
  • General Liability (Package or mono-line)
  • Errors & Omissions Liability
  • Cyber Liability
  • Directors & Officers Liability
  • Employment Practices Liability
  • Hired & Non-owned Auto Liability
  • Excess Liability up to $5 million
Requirements:
  • Acord application submission
  • State Eligibility: AZ, CA, CO, ID, NM, NV, OR, TX

Title/Escrow Agents

Target Clients:
  • Revenues over $100,000
  • New ventures and new ownership eligible
Coverages:
  • Property/General Liability Package
  • General Liability (Package or mono-line)
  • Errors & Omissions Liability
  • Cyber Liability
  • Directors & Officers Liability
  • Employment Practices Liability
  • Hired & Non-owned Auto Liability
  • Excess Liability up to $5 million
Requirements:
  • Acord application submission
  • State Eligibility: AZ, CA, CO, ID, NM, NV, OR, TX

Transportation/Trucking

Target Clients:
  • Transportation Businesses
  • Trucking Businesses
Coverages:
  • General Liability
  • Workers’ Compensation
Requirements:
  • See “applications” for specific form to complete
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, TN, TX, UT

Warehouses

Target Clients:
  • Private & public storage
  • Single & multiple interests
  • Mini-warehouses
  • Warehouses not otherwise classified
  • Other exposures: manufacturing, public showrooms, retail & wholesale operations
  • New ventures and new ownership eligible
Coverages:
  • Workers’ Compensation
  • Property: Building & business personal property
  • General Liability up to $5 million limits
  • Blanket additional insured
Requirements:
  • Acord application submission
  • State Eligibility:  AZ, CA, CO, ID, NM, NV, OR, TX