Primary Casualty

Specialty Training Operations

The Casualty Brokerage Division offers Protection for Specialty and Vocational Training Operations.

Coverage Offered

  • Commercial General Liability
  • Professional Services for Acts, Errors or Omissions 
    (BI and PD Triggers)
  • Participant Injury Coverage
    (subject to Participant Injury 
    Warranty Provision—when applicable)
  • Independent Contractor Instructors included as additional insureds
  • Occurrence
  • Defense outside 
  • First Dollar coverage, small to moderate deductibles, SIRs
  • General Star’s Plus Endorsement, which provides protection for six types of additional insureds,
    “Other Insurance” on a 
    primary and non-contributory basis, waiver of subrogation, Employment
     Related Practices and Medical Payment Coverage

Risk Appetite

  • Limits up to $10,000,000
  • Start-ups to accounts with up to $25,000,000 in revenue

Eligible Exposures

  • Classroom and physically active training in which training participants are engaged in
    demanding or hazardous physical 
  • Privately operated specialty training companies
  • Light, moderate or high hazard operations involving exposures to participant injury 
    – Diving Instruction Recreational or Commercial
    – Explosives Removal and Detonation Training
    – Firearms Training (Military, General Public)
    – Firefighting Training
    – Guard Dog Training
    – Job-Site Safety Training
    – Law Enforcement Tactical Training
    – Medical Emergency Training (CPR, EMT)
    – Mobile Equipment Training
    – Personal Protection/Safety Training
    – Remote Search and Rescue Training
    – Security Guard Training
    – Security Screening Training
    – Specialty Trade Training Schools (Masonry, Carpentry)

Ineligible Exposures

  • Moderate or higher hazard operations in AZ, CT, HI, LA, MT, VA, or WI.
    We will consider light hazard operations such as classroom training in these states.

Limits Available

  • General Liability: $1,000,000 per occurrence
  • Excess Liability: Up to $5,000,000 in Excess limits available

Submission Requirements

  • ACORD Application
  • Description of training operations
  • Resumés or experience of insured/trainers
  • State in which training is provided
  • Age of participants
  • If independent contractor trainers are used, include description of services provided
  • Copy of waiver, release or unsigned notification/disclaimer