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Commercial Lines

 

Here at CMS, LLC we offer access to a broad array of "A" Rated Standard and Surplus Lines markets, enabling us to meet all of your clients expectations.

Representing over 50 companies, we can tailor your needs for Main Street business to the larger more complex accounts, for all lines of business.  Our goal is to provide superior service, comprehensive terms and conditions at fair and competitive pricing.

Our seasoned staff is well versed in all of these markets and we stand ready, as our Company mantra states "To put the pieces together for you".

We appreciate your business, thank you.

 

Please feel free to browse our website for detailed info or contact any of our staff directly.

Property


In those instances when property needs to be mono-lined, we can deliver; utilizing a host of A-rated carriers. From the singularly owned property, to the largest schedule, alternative quotes are available. First dollar, excess placements, to layered programs present no problems, with capacity in excess of $100 million. Risk with TRIA, coastal or TIV capacity issues, markets are open to us. Please check our partners list for a complete listing of all of our markets.

COVERAGE TYPES

  • First Dollar Loss  
  • Full Limit 
  • Excess Property 
  • Layered Programs

Classes of Business:

  • Distributors
  • Manufacturers
  • Real Estate
  • Municipalities
  • Assisted Living
  • Libraries
  • Hotel/Motel
  • Health Clubs
  • Schools
  • Shopping Centers
  • Technology

And many more…

Submission requirements

  • ACORD Application, Currently Valued Loss Runs, Supplemental Applications for certain classes

Property Acord Form 

General / Excess Liability


We have the tools and company partners in house to enable us to meet your every need for all your liability exposed clients. If you require coverage for a large general contractor; the one man artisan; building owners; vacant building owners; habitational risks; religious institutions; and many more classes, we stand ready to assist you in getting the business placed.  

SOME COVERAGES OFFERED

  • Primary GL
  • Excess Liability
  • Owner’s Interest
  • Products Liability

EXAMPLES OF SOME CLASSES OF BUSINESS

  • Contractors                
  • Distributors
  • Manufacturers
  • Real Estate owners
  • Health Clubs
  • Schools
  • Municipalities
  • Medical Offices
  • Restaurants
  • Shopping Centers
  • Parking Garages

And many more…

 

SUBMISSION REQUIREMENTS:

  • ACORD Application, Currently Valued Loss History

General Liability Acord Form

Certificate of Liability Acord Form

Package


Boasting long standing relationships with several A-Rated standard lines national carriers, we have the capability for large and small package and BOP policies which are necessary to compete in today’s difficult marketplace. Online quoting is available for ease of use to simplify the process for many carriers and classes. Please check our partners list for a complete listing of all of our markets.

Types of Policies:

  • SMP/Package
  • BOP

Classes of Business:

  • Contractors                
  • Distributors
  • Manufacturers
  • Real Estate owners
  • Health Clubs
  • Schools
  • Municipalities
  • Professional Offices
  • Religious Institutions
  • Restaurants
  • Shopping Centers
  • Technology
  • Parking Garages

And many more…

Submission requirements:

ACORD Application, Currently Valued Loss Runs, Supplemental Applications for certain classes 

Inland Marine Packages


Boasting long standing relationships with several A-Rated standard lines national carriers, CMS, LLC has the ability to meet all of your client’s needs, large and small, when package and BOP policies are necessary to compete in today’s difficult marketplace. Online quoting is available for ease of use to simplify the process for many carriers and classes. Please check our partners list for a complete listing of all of our markets.

TYPES OF POLICIES:

  • SMP/Package
  • BOP

CLASSES OF BUSINESS:

  • Contractors                
  • Distributors
  • Manufacturers
  • Real Estate owners
  • Health Clubs
  • Schools
  • Municipalities
  • Professional Offices
  • Religious Institutions
  • Restaurants
  • Shopping Centers
  • Technology
  • Parking Garages

And many more…

SUBMISSION REQUIREMENTS:

ACORD Application, Currently Valued Loss Runs, Supplemental Applications for certain classes 

Workers Comp


As one of the largest writers of workers compensation coverage in the Tri- State area representing several major carriers, CMS, LLC has the leverage to get even the most difficult classes placed. Whether you require a dividend program; a retro; up front deviations; large deductible or just straight guaranteed cost mechanisms to get it done, we have the tools and expertise to put it together. Couple that with the highest commissions payable and it’s a winning combination!

CLASSES INCLUDED BUT NOT LIMITED TO:

  • Contractors                
  • Distributors
  • Manufacturing risks
  • Retail operations
  • Restaurants
  • Security Guards
  • Financial Service Industry
  • Home Health Care
  • Technology
  • Mental Health Care

 SUBMISSION REQUIREMENTS:

  • ACORD Application, Currently Valued Loss Runs
  • We have on line capability to quote and bind risks up to $140,000 in premium with experience modifications up to 1.40.

Workers Comp Acord Form

Commercial Auto


Whether it is main line standard auto or specialty auto, the markets and options available are an e-mail or phone call away. Fleet or non fleet risks makes no difference; mono-line or as part of a total package; specifically or compositely rated, we can make it happen. Vehicle types including but not limited to: private passenger; heavy trucks; buses; tractors are all eligible.

CLASSES INCLUDED BUT NOT LIMITED TO:

  • Contractors                
  • Distributors
  • Commercial Delivery
  • Truckers
  • Private Livery
  • Public Livery
  • Ambulettes
  • School Buses

SUBMISSION REQUIREMENTS:

  • ACORD Application, Currently Valued Loss Runs
  • Drivers List

Commercial Insurance Application Acord Form

Specialty Products


TRADE CONTRACTORS PROGRAM

If you’re looking for a partner committed to the trade contractors market then look no further than CMS, LLC. Our program written with “A” rated Standard Lines Carriers  will fill that market void for your small to mid sized prime accounts. We will work with you to maximize your opportunities, give you the support you need and offer it at highly competitive pricing without key coverage exclusions and limitations you’ll find with many others. This is the real thing!


Contracting accounts have long been a staple in CMS, LLC’s resume of product and service offerings. With well over $25 million dollars of written premium in this class, we stand ready to meet the needs of your client utilizing this tailored program for the trades.

Admitted Paper

  • $1,000,000 Per Occurrence/$2,000,000 General Aggregate
  • $1,000,000 Products/Completed Operations Aggregate
  • Per Job/Per Location Aggregate available
  • Blanket additional Insured available
  • Waiver of Subrogation available

Submission Requirements:

  • Fully Completed ACORDS
  • Three Years Hard Copy Loss Runs
  • Supplemental Application Completed
  • 15% Subcontracted Work or Less
  • Up to $500,000 Payroll/$2,000,000 Receipts
 

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