April 17, 1986

SUBJECT: INSURANCE

Circular Letter NO. 3 (1986)

WITHDRAWN

TO ALL AUTHORIZED PROPERTY AND CASUALTY INSURERS UNDERWRITING MEMBERS OF THE NEW YORK INSURANCE EXCHANGE., INC. (NYIE), PRODUCER ASSOCIATIONS AND EXCESS LINE BROKERS

RE: AVAILABILITY SURVEY FOR CERTAIN LIABILITY INSURANCE COVERAGES

The Insurance Department has established a Liability Insurance Hotline to assist New York State businesses and non-profit organizations in obtaining liability insurance coverages. To date, we have received aver 1200 requests for assistance. During the four month period in which the Hotline has operated, we have noted that liability insurance for certain types of risks appears to be unavailable at any price.

On April 8, 1986, members of my staff and I met with a broad representation from your industry, and we were informed that markets do exist for many of these risks. Before establishing voluntary market assistance programs or mandatory residual market mechanisms for these risks, we wish to determine those insurers, if any, that are furnishing or will furnish markets for particular types of scarce coverages, so that we may refer requests for assistance to these existing markets.

Accordingly, the Department is conducting this survey to ascertain the existence of markets for these risks: An adequate response by the insurance industry will minimize the need for MAPS or involuntary residuals market mechanisms. Therefore, it is essential that you complete the annexed survey and return it to the Department no later than May 2, 1986. Please direct your reply and any questions to Richard Lynde (212-602-0338), Associate Insurance Examiner, Property and Casualty Bureau.

Very truly yours,

[SIGNATURE]

JAMES P. CORCORAN

Superintendent of Insurance

 

NEW YORK STATE INSURANCE DEPARTMENT LIABILITY INSURANCE SURVEY

Please check the appropriate box to indicate whether or not your company will write liability insurance for each particular type of risk, provided of course, that it meets your underwriting criteria. If you will write a particular type of risk, provide the name and telephone number of a contact person that the Insurance Department may provide for inquiries about placement of coverage.

TYPE OF RISK

YES

NO

CONTACT
       

Recreation Liability-Carnivals,

      

Fairs and Amusement Parks required

      

by Article 27 of the New York

      

Labor Law to obtain liability

      

insurance.

      
       

   Large Amusements Parks

[]

[]

  
       
       

   Small Amusement Parks

[]

[]

  
       
       

   Traveling Amusement Shows

[]

[]

  
       
       

   Small Local Fairs

[]

[]

  
       
       

   Carnivals

[]

[]

  
       
       

   State or County Fairs

[]

[]

  
       

TYPE OF RISK

YES

NO

CONTACT
       

Other Recreational Liability

      
       

   Ice Skating Rinks/and or Clubs

[]

[]

  
       
       

   Ski Tour Operators

[]

[]

  
       
       

   Horseback Riding Establishments

[]

[]

  
       
       

   Winter Recreation Facilities

[]

[]

  
       
       

   Go Kart Facilities

[]

[]

  
       
       

   Snowmobile Rentals

[]

[]

  
       
       

   Bowling Al1eys

[]

[]

  
       
       

   Indoor Pool Swim Clubs

[]

[]

  
       
       

   Private Recreational Clubs

[]

[]

  
       
       

   Summer Camp & Recreational

[]

[]

  

   Facilities

      
       

TYPE OF RISK

YES

NO

CONTACT
       

   Art Show Exhibitors

[]

[]

  
       
       

   Roller Skating Facilities

[]

[]

  
       
       

   Special Events

[]

[]

  
       

   Health Clubs

[]

[]

  
       
       

   Racquet Ball Facilities

[]

[]

  
       
       

   Private Beaches

[]

[]

  
       
       

   Baseball & Softball Clubs

[]

[]

  
       
       

   Fireworks Display

[]

[]

  
       
       

   Contact Sports Club

[]

[]

  
       
       

   Gymnasium Schools

[]

[]

  
       
       

   Youth Centers

[]

[]

  
       

TYPE OF RISK

YES

NO

CONTACT
       

   Private Airplanes

[]

[]

  
       
       

   Boat Rentals

[]

[]

  
       
       

   Boat Launch Facilities

[]

[]

  
       
       

   Boat Marina Facilities

[]

[]

  
       
       

   Museum Establishments

[]

[]

  
       
       

   Tennis Instructor

[]

[]

  
       
       

   Road Race Club

[]

[]

  
       
       

   Judo & Karate Instruction

[]

[]

  
       
       

   Pleasure Boating

[]

[]

  
       
       

   Theater Club

[]

[]

  
       
       

   Recreational Guide Service

[]

[]

  
       

TYPE OF RISK

YES

NO

CONTACT
       

   Singles Club

[]

[]

  
       
       

   Beach Club

[]

[]

  
       
       

   Police Athletic League

[]

[]

  
       
       

   Knights of Columbus

[]

[]

  

   or other fraternal organizations

      
       

   Special Exhibit Floater

[]

[]

  
       
       

   Vacation Resorts

[]

[]

  
       

LIQUOR LAW LIABILITY - taverns and

      

restaurants for which liquor

      

accounts for more than 50% of total

      

sales. CGL coverage is not

      

requested.

[]

[]

  
       
       

PRODUCT LIABILITY

      

   Medical Products - Sales

[]

[]

  
       
       

   Cosmetic Manufacturers

[]

[]

  
       

TYPE OF RISK

YES

NO

CONTACT
       

   Tanning Salons

[]

[]

  
       
       

   New Products (Cosmetics)

[]

[]

  
       
       

   Cosmetics Sales

[]

[]

  
       
       

   Food Processing (New Business)

[]

[]

  
       
       

   Asbestos Removal

[]

[]

  
       
       

   Removal of other Pollutants

      

   (i.e., Dioxin, PCBs)

[]

[]

  
       
       

   Auto Dealers

[]

[]

  
       
       

   Boiler & Machinery Repair

[]

[]

  
       
       

COMPLETED OPERATIONS

      

   Auto Body Repair Work

[]

[]

  
       
       

   City Contractual. Work

[]

[]

  
       

TYPE OF RISK

YES

NO

CONTACT
       

   Tree Spraying

[]

[]

  
       
       

   Duct Work Installation

[]

[]

  
       
       

   Bridge Painting

[]

[]

  
       
       

   Masonry Work

[]

[]

  
       
       

   Dock Repair

[]

[]

  
       
       

   Cardboard Manufacturer

[]

[]

  
       
       

   Scaffolding Sales

[]

[]

  
       
       

   Knife Manufacturing & Sales

[]

[]

  
       
       

MISC. PRODUCT LIABILITY

      
       

   Detergent Manufacturer

[]

[]

  
       
       

   Furrier

[]

[]

  
       
       

   Chemical Packaging Firm

[]

[]

  
       

TYPE OF RISK

YES

NO

CONTACT
       

   Fire Gauge Manufacturer

[]

[]

  
       
       

   Pen Maker

[]

[]

  
       
       

   Fire Equipment Manufacturer

[]

[]

  
       
       

   Toilet Renting Company

[]

[]

  
       
       

   Platform Lift Rentals

[]

[]

  
       
       

   Close Out Sales Vendor

[]

[]

  
       
       

   Riding Equipment Sales

[]

[]

  
       
       

   Clothing Distributor

[]

[]

  
       
       

   Importer of Clothes

[]

[]

  
       
       

   Fuel Oil Distributor

[]

[]

  
       
       

   Boat Hauling

[]

[]

  
       

TYPE OF RISK

YES

NO

CONTACT

  

   Golf Cart Leasing

[]

[]

    
         

SMALL CONTRACTORS AND OTHER SMALL BUSINESSES

  

(1-5 EMPLOYEES)

  

   Electrical Contractors

[]

[]

    
         

   Elevator and Boiler Repair

[]

[]

    
         

   Home Improvement Contractors

[]

[]

    
         

   Tree Spraying

[]

[]

    
         

   Landscaping

[]

[]

    
         

   Cleaning Services

[]

[]

    
         

   Home Inspection Companies

[]

[]

    
         

   Laundromats

[]

[]

    
         

   Small Retail Shop-Owners

[]

[]

    
         

   Roofing Contractors

[]

[]

    
         

INSURER NAME

        

TYPE OF RISK

YES

NO

CONTACT

  

   Air Conditioning Contractors

[]

[]

    
         

PROFESSIONAL LIABILITY - DIRECTORS AND OFFICERS

      

   Directors and Officers Liability

        

   (Profit)

[]

[]

    

   (Non-Profit)

[]

[]

    

   Lawyers Professional Liability

[]

[]

    
         

   Law Enforcement Professional

[]

[]

    

   Liability

        

   Social Worker Professional

[]

[]

    

   Liability

        

   Pharmacist Professional

[]

[]

    

   Liability

        

   Architects and Engineers

        

   Professional Liability

[]

[]

    
         

   Insurance Producers Errors and

        

   Omissions

[]

[]

    
         

   Public Official Errors and

[]

[]

    

   Omissions

        

INSURER NAME

        

TYPE OF RISK

YES

NO

CONTACT

  

   Real Estate Errors and

[]

[]

    

   Omissions

        

   Nursing Homes Medical

[]

[]

    

   Malpractice

        

   Private Nursing Service

[]

[]

    

   Medical Malpractice

        

   Medical Students

[]

[]

    

   Medical Malpractice

        

MISCELLANEOUS LIABILITY RISKS

        

   Municipal Liability Excess

[]

[]

    

   Coverage ($ 4 million in excess

        

   of $ 1 million)

        

   Other Excess Liability

[]

[]

    

   ($ 4 million in excess of

        

   $ 1 million)

        

   Security Firms (i.e. Pinkerton

[]

[]

    

   Guard)

        

   Small Storage Warehouses

[]

[]

    
         

   Vacant Commercial Buildings

[]

[]

    
         

   INSURER NAME

        

TYPE OF RISK

YES

NO

CONTACT

  

   Vacant Dwellings

[]

[]

    
         

   Block Associations

[]

[]

    

   Community Centers

[]

[]

    

   Senior Citizen Centers

[]

[]

    
         

   Child Care

        

   (Profit)

[]

[]

    

   (Non-Profit)

[]

[]

    
                     

COMPLETED BY:

INSURER

NAME

TITLE

TELEPHONE

RETURN TO:

RICHARD LYNDE, ASSOCIATE EXAMINER PROPERTY AND CASUALTY BUREAU NEW YORK STATE INSURANCE DEPARTMENT 160 WEST BROADWAY NEW YORK, NEW YORK 10013