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OUR MARKETS

CYBER LIABILITY

Cyber risk, solved.TM

Introducing the first solution for cyber risk. Comprehensive insurance coverage and free cyber security tools to protect your client’s business. From sole proprietors to multimillion dollar corporations, Coalition is the cyber market solution you’ve been waiting for!

Coalition provides world-class technical know-how to help prevent, mitigate, and respond to cyber incidents. Coalition is the first insurance-enabled technology firm built to help businesses before, during and after a cyber incident.

AFFLUENT

Coverage Available on the main Application: Home, Auto, Valuable Articles, Personal Excess

Chubb Logo

Chubb Masterpiece® Homeowner Coverage Features/Benefits:
Coverage is available for stand-alone lines or package coverage as determined by underwriting and company requirements. Each homeowner risk receives a complimentary, in-depth appraisal to verify your insureds are properly covered. All policies are direct bill to the insured. The minimum deductible is $1000 and risks with prior losses will be considered based upon the merits of the account. Included in Masterpiece:  

  • Replacement Cost on Contents
  • Extended Replacement Cost on Home
  • Total Loss Settlement Option
  • Lock Replacement Coverage
  • Water/Sewer Back Up Coverage – buy back in some states
  • Credit Card/Bank Coverage up to $10,000
  • Business Property Coverage on Premises up to $10,000
  • Unlimited Ordinance and Law Coverage
  • Unscheduled Jewelry coverage up to $5000
  • Unscheduled Silver coverage up to $7500
  • Identity Fraud Included


Coverage Availability
The Chubb Program is available to registered members in all states except Auto in MA and SC.


AIG Homeowner Coverage Features/Benefits:
Coverage is available for $1M or more.
Primary Condos, Co-ops, and Tenants will require a minimum Coverage C of $1,000,000.

Included are:  

  • Guaranteed replacement cost – Included
  • Back-up of sewers and drains – Included; up to dwelling value
  • Business property – Up to $25,000
  • Deductible options – Up to $100,000 available
  • Primary flood – Available
  • Equipment breakdown – Available
  • Identity fraud restoration expenses, ATM robbery, and financial fraud, embezzlement or forgery – Available
  • Traumatic threat or event recovery – Available
  • Green rebuilding expenses – Available
  • Waiver of deductible on losses over $50,000 – Available
  • Replacement cost cash out option – Included
  • Lock replacement – Included; no deductible
  • Food spoilage – Included
  • Loss prevention devices following a claim – Included; up to $2,500 available


Coverage Availability
The AIG Program is available to registered members in all states.

SMALL COMMERCIAL

Big “I” Markets has partnered with three carriers to bring you a robust selection of small commercial BOP and package providers.

Chubb Logo

Chubb Small Commercial Insurance (SCI) leverages superior underwriting expertise and world renowned claims, account services, and financial strength to offer solutions for small businesses with up to $30M in revenue.

Chubb BOP protects small business owners with up to $10M in revenue, in more than 500 business classes across several industries.

Looking for Chubb’s Affluent Program market? Click here.


CNA Logo

CNA Small Business currently offers a market for a broad variety of businesses, representing Healthcare, Financial Institutions, Professional Services, Business Services, Technology, Retail, Real Estate, Wholesalers and Manufacturing. BOP, Workers Compensation, Commercial Automobile, Umbrella and Miscellaneous Professional Liability products are available.


Travelers Logo

For Travelers Select accounts, a robust variety of coverages for your clients’ small businesses. Proprietary BOP product, Master Pac®, Workers Compensation, Commercial Automobile, & Commercial Umbrella, includes a broad array of industry-specific coverage options and coverage extensions.

EAGLE AGENCY

Eagle Agency provides Big “I” members with direct access to preferred personal lines and/or commercial lines in 49 states and the District of Columbia (not available in HI) with minimal volume commitment. The program strives to fit the member’s personal lines needs by incubating until the member qualifies for a direct appointment. Eagle Agency company partners include:

Travelers Logo

Features of Eagle Agency: 

  • Agency maintains ownership of business
  • Direct access into the carrier’s portal
  • Graduated commissions based on volume
  • Possible carrier appointment based on volume and profitability

Appointments are subject to review and approval by Eagle Agency and the carrier. Carriers might not be available in every state or may have territorial limitations. 

Questions about Eagle? Nancy Doherty, Big “I” Markets and Eagle Agency Personal Lines Manager, has the answers.

Learn how Nancy can help your agency. 

 eagle-shedule-meeting-with-nancy-doherty.png

You may also contact her by email or at (800) 221-7917 ext. 5389.

AUTO & HOME

STANDARD & NON-STANDARD MARKETS

Welcome to your personal lines market access partnered with MetLife Auto and Home, Progressive, Safeco and Travelers Insurance Company.


Coverage is available for vehicles, property, umbrella and valuables to members in all states except AK, DC, DE, HI, MI, ND, OK and SC. Territorial and geographic underwriting restrictions may apply.


Coverage is available for vehicles and watercraft to members in all states except AK, HI, MA, and MI.


Coverage is available for vehicles, property, umbrella, valuables, watercraft and recreational vehicles to member agents in all states except: DC, DE, HI, ME, NJ, RI .

Travelers Logo

Coverage is available for vehicles, property, umbrella, valuables, and watercraft to member agents in all states except: AK, AR, HI, LA, MA, MI, ND, SD, WV and WY. Territorial and geographic underwriting restrictions may apply.

Risks eligible for the Big “I” Markets Auto & Home – Standard Markets program include:

  • IFS (insurance financial score) subject to Company acceptability
  • No Loss Frequency
  • No Violation Frequency
  • Minimum Automobile Liability Limit quoted is $50,000/$100,000 or $100,000 CSL
  • No Automobile Liability only policies, there must be at least one vehicle with physical damage coverage, except Progressive
  • No unprotected dwellings
  • No unsupported secondary dwellings
  • No mobile or manufactured homes
  • No log homes
  • No dwellings insured for less than 100% of the replacement

UMBRELLA

Big “I” Endorsed Umbrella Carrier
RLI’s PUP stands atop the existing homeowner and auto insurance to provide an extra layer of personal liability protection for the insured and their family. With RLI’s PUP program, the insured can maintain their auto or home coverage with any company they choose, provided they agree to maintain the mandatory minimum underlying coverage limits. See application for underlying coverage limit. Learn more.

Alternative Umbrella Market
Our increasingly litigious society has created new and complex exposures for individuals. Anderson & Murison’s Primary and Excess Umbrella Liability insurance is designed to help mitigate the significant liability risks individuals face every day. Learn more.

 

HOME BUSINESS

RLI’s Home Business Policy provides affordable coverage for those people who operate small home-based businesses.  Insureds often believe their existing homeowners or apartment-dwellers policy will cover any loss or damage to their business equipment, furniture and supplies in the event of fire, theft or other catastrophe, when in fact, those policies usually explicitly exclude coverage for any business exposures on their premises.  The RLI Home Business Policy, however, is not intended for all types of home business.  It is specifically targeted for over 100 retail and services risks operated from the insured’s residence and presenting minimal product liability, professional liability and/or off-premises exposures. Learn more.

HABITATIONAL

MiddleOak Logo

Apartment Program

The Worlds Apart – Apartment Program targets the successful professional property owner who has developed the management skills necessary to secure responsible tenants and maintains his/her buildings in a safe manner.  Our underwriting approach is to offer the Professional Property Owner quality coverage at a competitive price.  The depth of his/her management skills and experience is reflected in the pricing of the overall risk. We insure regardless of property age as long as the properties have been updated within the last 30 years.

IMPORTANT: Confirm eligibility before submitting a quote request.

Big “I” Markets eligibility is limited in certain zip codes. Please log in to Big “I” Markets and use our zip code search tool to determine if it’s in an eligible Big “I” Markets area. Eligibility is subject to change without notice so please check prior to each submission. (IL is not eligible.)


Condominium Program

CAPsureSM – Community Association Program is tailored to insure many segments of the community association market where our more flexible pricing tools, and coverage options will allow us to underwrite on a profitable basis.  We have designed coverage, pricing structure and underwriting approach to offer insurance to a very broad spectrum of community association risks.

IMPORTANT: Confirm eligibility before submitting a quote request.

Big “I” Markets eligibility is limited in certain zip codes. Please log in to Big “I” Markets and use our zip code search tool to determine if it’s in an eligible Big “I” Markets area. Eligibility is subject to change without notice so please check prior to each submission. (IL is not eligible.)

BONDS

Bid / Contractor / Performance / Surety

Goldleaf Surety Services is a high-skill, high-service national surety broker specializing in surety bonds. We currently provide prompt, professional support to more than 1,800 insurance agencies around the country that need occasional or regular help placing bonds for their clients.

Goldleaf currently works with more than two dozen surety companies and these are among the very best surety companies in the business. All of our markets are rated “Excellent” (or better) by A.M. Best, and all are “T-Listed” (approved by the U.S. Department of the Treasury) for bonding federal contracts. Ranging from “standard” to “specialized” surety markets, our companies provide Goldleaf with an extraordinarily wide range of capacity by size and trade. Goldleaf also maintains licenses in all 50 states, the District of Columbia and the U.S. Virgin Islands, so we are able to provide your agency with the convenience of one, stable surety file for clients with multi-state surety needs.

Our in-house expertise often enables us to respond in situations that numerous surety companies decline. We have an exceptionally strong underwriting group, with broad business experience and excellent analytical skills, and in many cases, our staff is able to find the merits of an account or a particular project where other underwriters have failed. Simply stated, Goldleaf Surety Services concentrates on the possibilities of each bond application your agency sends to us, and we are exceptionally good at helping your clients obtain the surety bonds they need to thrive and grow.

The Bond Program is available to members nationwide.


Coverage Highlights & Availability

Goldleaf Surety Services offers connections to more than two dozen A-Rated surety markets for performance bonds and almost all other types of surety and fidelity bonds – including bid bonds, performance bonds on construction and non-construction contracts, and all forms of court, commercial and miscellaneous bonds.

FLOOD

Not Your Ordinary Flood Carrier 

Selective offers a unique and unparalleled approach to servicing flood customers nationwide. Having been rated A (Excellent) by A.M. Best since 1930, and the endorsed flood carrier by IIABA, Selective provides the experience, dedication and service required to stand up against the competition. 

Personalized Service
Rest assured that your customers will receive personalized service, since Selective handles policies from inception to payment of a claim. No third party vendors just one-on-one processing to respond to their needs. 

A Partner to Trust
Selective knows that partnership is key, which is why exclusive underwriting teams are designated to each and every agency state. When support is needed, look to Selective for a team of experts you can trust. 

State-of-the-Art Tools
Offering a newly enhanced flood agency portal, Selective provides the essential tools needed to make placing your flood business easy, including streamlined navigation, real-time processing, and easy access to reports, commissions, claims and more!

Customized Marketing Resources
Knowing that often the development of marketing concepts can prove to be the most challenging and expensive part of attracting customers, Selective offers a variety of tailored solutions, ranging from co-brandable flyers, brochures and postcards, to custom eMarketing campaigns, pre-recorded radio spots, and billboard designs. Selective Flood isn’t your ordinary carrier they are dedicated to provide not only the products, but the service that stands above the rest. To learn more, visit www.selective.com, or contact floodappointment@selective.com. 

CYBER LIABILITY

Cyber risk, solved.TM

Introducing the first solution for cyber risk. Comprehensive insurance coverage and free cyber security tools to protect your client’s business. From sole proprietors to multimillion dollar corporations, Coalition is the cyber market solution you’ve been waiting for!

Coalition provides world-class technical know-how to help prevent, mitigate, and respond to cyber incidents. Coalition is the first insurance-enabled technology firm built to help businesses before, during and after a cyber incident.

AFFLUENT

Coverage Available on the main Application: Home, Auto, Valuable Articles, Personal Excess

Chubb Logo

Chubb Masterpiece® Homeowner Coverage Features/Benefits:
Coverage is available for stand-alone lines or package coverage as determined by underwriting and company requirements. Each homeowner risk receives a complimentary, in-depth appraisal to verify your insureds are properly covered. All policies are direct bill to the insured. The minimum deductible is $1000 and risks with prior losses will be considered based upon the merits of the account. Included in Masterpiece:  

  • Replacement Cost on Contents
  • Extended Replacement Cost on Home
  • Total Loss Settlement Option
  • Lock Replacement Coverage
  • Water/Sewer Back Up Coverage – buy back in some states
  • Credit Card/Bank Coverage up to $10,000
  • Business Property Coverage on Premises up to $10,000
  • Unlimited Ordinance and Law Coverage
  • Unscheduled Jewelry coverage up to $5000
  • Unscheduled Silver coverage up to $7500
  • Identity Fraud Included


Coverage Availability
The Chubb Program is available to registered members in all states except Auto in MA and SC.


AIG Homeowner Coverage Features/Benefits:
Coverage is available for $1M or more.
Primary Condos, Co-ops, and Tenants will require a minimum Coverage C of $1,000,000.

Included are:  

  • Guaranteed replacement cost – Included
  • Back-up of sewers and drains – Included; up to dwelling value
  • Business property – Up to $25,000
  • Deductible options – Up to $100,000 available
  • Primary flood – Available
  • Equipment breakdown – Available
  • Identity fraud restoration expenses, ATM robbery, and financial fraud, embezzlement or forgery – Available
  • Traumatic threat or event recovery – Available
  • Green rebuilding expenses – Available
  • Waiver of deductible on losses over $50,000 – Available
  • Replacement cost cash out option – Included
  • Lock replacement – Included; no deductible
  • Food spoilage – Included
  • Loss prevention devices following a claim – Included; up to $2,500 available


Coverage Availability
The AIG Program is available to registered members in all states.

SMALL COMMERCIAL

Big “I” Markets has partnered with three carriers to bring you a robust selection of small commercial BOP and package providers.

Chubb Logo

Chubb Small Commercial Insurance (SCI) leverages superior underwriting expertise and world renowned claims, account services, and financial strength to offer solutions for small businesses with up to $30M in revenue.

Chubb BOP protects small business owners with up to $10M in revenue, in more than 500 business classes across several industries.

Looking for Chubb’s Affluent Program market? Click here.


CNA Logo

CNA Small Business currently offers a market for a broad variety of businesses, representing Healthcare, Financial Institutions, Professional Services, Business Services, Technology, Retail, Real Estate, Wholesalers and Manufacturing. BOP, Workers Compensation, Commercial Automobile, Umbrella and Miscellaneous Professional Liability products are available.


Travelers Logo

For Travelers Select accounts, a robust variety of coverages for your clients’ small businesses. Proprietary BOP product, Master Pac®, Workers Compensation, Commercial Automobile, & Commercial Umbrella, includes a broad array of industry-specific coverage options and coverage extensions.

EAGLE AGENCY

Eagle Agency provides Big “I” members with direct access to preferred personal lines and/or commercial lines in 49 states and the District of Columbia (not available in HI) with minimal volume commitment. The program strives to fit the member’s personal lines needs by incubating until the member qualifies for a direct appointment. Eagle Agency company partners include:

Travelers Logo

Features of Eagle Agency: 

  • Agency maintains ownership of business
  • Direct access into the carrier’s portal
  • Graduated commissions based on volume
  • Possible carrier appointment based on volume and profitability

Appointments are subject to review and approval by Eagle Agency and the carrier. Carriers might not be available in every state or may have territorial limitations. 

Questions about Eagle? Nancy Doherty, Big “I” Markets and Eagle Agency Personal Lines Manager, has the answers.

Learn how Nancy can help your agency. 

 eagle-shedule-meeting-with-nancy-doherty.png

You may also contact her by email or at (800) 221-7917 ext. 5389.

AUTO & HOME

STANDARD & NON-STANDARD MARKETS

Welcome to your personal lines market access partnered with MetLife Auto and Home, Progressive, Safeco and Travelers Insurance Company.


Coverage is available for vehicles, property, umbrella and valuables to members in all states except AK, DC, DE, HI, MI, ND, OK and SC. Territorial and geographic underwriting restrictions may apply.


Coverage is available for vehicles and watercraft to members in all states except AK, HI, MA, and MI.


Coverage is available for vehicles, property, umbrella, valuables, watercraft and recreational vehicles to member agents in all states except: DC, DE, HI, ME, NJ, RI .

Travelers Logo

Coverage is available for vehicles, property, umbrella, valuables, and watercraft to member agents in all states except: AK, AR, HI, LA, MA, MI, ND, SD, WV and WY. Territorial and geographic underwriting restrictions may apply.

Risks eligible for the Big “I” Markets Auto & Home – Standard Markets program include:

  • IFS (insurance financial score) subject to Company acceptability
  • No Loss Frequency
  • No Violation Frequency
  • Minimum Automobile Liability Limit quoted is $50,000/$100,000 or $100,000 CSL
  • No Automobile Liability only policies, there must be at least one vehicle with physical damage coverage, except Progressive
  • No unprotected dwellings
  • No unsupported secondary dwellings
  • No mobile or manufactured homes
  • No log homes
  • No dwellings insured for less than 100% of the replacement

UMBRELLA

Big “I” Endorsed Umbrella Carrier
RLI’s PUP stands atop the existing homeowner and auto insurance to provide an extra layer of personal liability protection for the insured and their family. With RLI’s PUP program, the insured can maintain their auto or home coverage with any company they choose, provided they agree to maintain the mandatory minimum underlying coverage limits. See application for underlying coverage limit. Learn more.

Alternative Umbrella Market
Our increasingly litigious society has created new and complex exposures for individuals. Anderson & Murison’s Primary and Excess Umbrella Liability insurance is designed to help mitigate the significant liability risks individuals face every day. Learn more.

 

HOME BUSINESS

RLI’s Home Business Policy provides affordable coverage for those people who operate small home-based businesses.  Insureds often believe their existing homeowners or apartment-dwellers policy will cover any loss or damage to their business equipment, furniture and supplies in the event of fire, theft or other catastrophe, when in fact, those policies usually explicitly exclude coverage for any business exposures on their premises.  The RLI Home Business Policy, however, is not intended for all types of home business.  It is specifically targeted for over 100 retail and services risks operated from the insured’s residence and presenting minimal product liability, professional liability and/or off-premises exposures. Learn more.

HABITATIONAL

MiddleOak Logo

Apartment Program

The Worlds Apart – Apartment Program targets the successful professional property owner who has developed the management skills necessary to secure responsible tenants and maintains his/her buildings in a safe manner.  Our underwriting approach is to offer the Professional Property Owner quality coverage at a competitive price.  The depth of his/her management skills and experience is reflected in the pricing of the overall risk. We insure regardless of property age as long as the properties have been updated within the last 30 years.

IMPORTANT: Confirm eligibility before submitting a quote request.

Big “I” Markets eligibility is limited in certain zip codes. Please log in to Big “I” Markets and use our zip code search tool to determine if it’s in an eligible Big “I” Markets area. Eligibility is subject to change without notice so please check prior to each submission. (IL is not eligible.)


Condominium Program

CAPsureSM – Community Association Program is tailored to insure many segments of the community association market where our more flexible pricing tools, and coverage options will allow us to underwrite on a profitable basis.  We have designed coverage, pricing structure and underwriting approach to offer insurance to a very broad spectrum of community association risks.

IMPORTANT: Confirm eligibility before submitting a quote request.

Big “I” Markets eligibility is limited in certain zip codes. Please log in to Big “I” Markets and use our zip code search tool to determine if it’s in an eligible Big “I” Markets area. Eligibility is subject to change without notice so please check prior to each submission. (IL is not eligible.)

BONDS

Bid / Contractor / Performance / Surety

Goldleaf Surety Services is a high-skill, high-service national surety broker specializing in surety bonds. We currently provide prompt, professional support to more than 1,800 insurance agencies around the country that need occasional or regular help placing bonds for their clients.

Goldleaf currently works with more than two dozen surety companies and these are among the very best surety companies in the business. All of our markets are rated “Excellent” (or better) by A.M. Best, and all are “T-Listed” (approved by the U.S. Department of the Treasury) for bonding federal contracts. Ranging from “standard” to “specialized” surety markets, our companies provide Goldleaf with an extraordinarily wide range of capacity by size and trade. Goldleaf also maintains licenses in all 50 states, the District of Columbia and the U.S. Virgin Islands, so we are able to provide your agency with the convenience of one, stable surety file for clients with multi-state surety needs.

Our in-house expertise often enables us to respond in situations that numerous surety companies decline. We have an exceptionally strong underwriting group, with broad business experience and excellent analytical skills, and in many cases, our staff is able to find the merits of an account or a particular project where other underwriters have failed. Simply stated, Goldleaf Surety Services concentrates on the possibilities of each bond application your agency sends to us, and we are exceptionally good at helping your clients obtain the surety bonds they need to thrive and grow.

The Bond Program is available to members nationwide.


Coverage Highlights & Availability

Goldleaf Surety Services offers connections to more than two dozen A-Rated surety markets for performance bonds and almost all other types of surety and fidelity bonds – including bid bonds, performance bonds on construction and non-construction contracts, and all forms of court, commercial and miscellaneous bonds.

FLOOD

Not Your Ordinary Flood Carrier 

Selective offers a unique and unparalleled approach to servicing flood customers nationwide. Having been rated A (Excellent) by A.M. Best since 1930, and the endorsed flood carrier by IIABA, Selective provides the experience, dedication and service required to stand up against the competition. 

Personalized Service
Rest assured that your customers will receive personalized service, since Selective handles policies from inception to payment of a claim. No third party vendors just one-on-one processing to respond to their needs. 

A Partner to Trust
Selective knows that partnership is key, which is why exclusive underwriting teams are designated to each and every agency state. When support is needed, look to Selective for a team of experts you can trust. 

State-of-the-Art Tools
Offering a newly enhanced flood agency portal, Selective provides the essential tools needed to make placing your flood business easy, including streamlined navigation, real-time processing, and easy access to reports, commissions, claims and more!

Customized Marketing Resources
Knowing that often the development of marketing concepts can prove to be the most challenging and expensive part of attracting customers, Selective offers a variety of tailored solutions, ranging from co-brandable flyers, brochures and postcards, to custom eMarketing campaigns, pre-recorded radio spots, and billboard designs. Selective Flood isn’t your ordinary carrier they are dedicated to provide not only the products, but the service that stands above the rest. To learn more, visit www.selective.com, or contact floodappointment@selective.com. 

Why Choose Big "I" Markets?

Plug into the power of your Big “I” membership. Our proprietary platform offers cutting-edge technology, security and convenience. 

We carefully curate our markets to bring top carriers together with Big “I” member agents. You and your clients will benefit from working with the names your know.

We offer competitive commissions and deliver them directly to your agency through monthly EFT (Electronic Funds Transfer)

Our team of trained, licensed insurance professionals ensure you are receiving top-notch customer service. Call, email, or chat–we pride ourselves on being available and responsive to our member agents.

Big “I” members have 24/7 access to Big “I” Markets at no cost.

We offer our member agents the freedom to use Big “I” Markets with no volume commitments. Use us when you need us!

Since its inception, Big “I” Markets has maintained this policy: you own your expirations.

Years In Business
+
Registered Big "I" Agencies
Markets
$ M+
2019 Written Premium