Availability Survey Updates.

August 15, 1989 SUBJECT: INSURANCE SUPPLEMENT NO. 2 to CIRCULAR LETTER NO. 3 (1986) WITHDRAWN TO: MANAGER, COMMERCIAL LINES UNDERWRITING OF: ALL LICENSED PROPERTY/CASUALTY INSURERS ALSO: INSURANCE PRODUCER ORGANIZATIONS RE: AVAILABILITY SURVEY UPDATES In response to the liability insurance crisis, the Department conducted special surveys to ascertain the existence of markets for different insurance coverages. As a result, markets for many of these risks were identified. Where a meaningful market did not exist for critical coverages, voluntary Market Assistance Programs were successfully developed. The annexed - availability survey is hereby established, pursuant to Section 308 of the Insurance Law, as a mechanism for the annual appraisal of insurance market conditions and trends. These survey forms should be completed and returned to the Department no later than September 30; 1989 and, until further notice, by September 30th annually thereafter. An insurer failing to file completed surveys by the due date will be subject to statutory penalties. Please acknowledge receipt, and direct your reply and any questions, to: Bruce L. Ascher, CIE (212-602-0369) Associate Insurance Examiner. Property & Casualty Insurance Bureau New York State Insurance Department 160 West Broadway -- 13th Floor New York, New York 10013 Your continuing cooperation is essential. Though not required to, individual agents and brokers and producer organizations are encouraged to respond as well. Very truly yours, JAMES P CORCORAN INSTRUCTIONS FOR COMPLETING THE NEW YORK STATE INSURANCE DEPARTMENT AVAILABILITY SURVEY All property/casualty insurers and reinsurers licensed in New York, and accredited reinsurers must complete this survey. For each of the categories of risk, companies should indicate the availability status which best characterizes its underwriting position by marking the appropriate box, using the symbols indicated at the bottom of each page of the survey. AVAILABILITY STATUS: The symbols representing each Availability Status, as shown at the bottom of each page of the survey are intended to reflect a company's position in underwriting each category of risk. For the purposes of this survey. ACTIVELY means that coverage is being offered within the company's regular scope of business or that it has specialty programs developed for the type of insurance listed. SELECTIVE means that coverage would be written, subject to strict underwriting criteria, or that the company is only a limited market for the type of insurance listed. ACCOMMODATION means that coverage would only be provided to an account already insured by the company for some other type of coverage. If none of the foregoing responses accurately describe the company's position relating to particular types of risks, or if further explanation is needed. please write in the words "SEE ATTACHED" and enclose the applicable details with the completed survey form. POLICIES: Indicate the number of policies written for this category during Calendar Year 1989. CONTACT PERSON: A Contact Person should be indicated for each category of coverage which the company indicates it writes. whether on an active, selective or accommodation basis. The contact person should be familiar with the insurer's underwriting guidelines for the indicated coverage, and should have some decision-making authority in determining the insurability of risks. REINSURERS: Reinsurers should indicate if the categories of coverage would be written on a reinsurance basis. (treaty or facultative). EXCESS LINES BROKERS: Excess Lines Brokers should give positive responses only to the extent that coverage can be placed, with a non admitted carrier. PRODUCER ORGANIZATIONS: Producer organizations should advise members of the survey and inform the Department of admitted markets. COMPLETED FORMS: All completed surveys should be returned by the date requested with a cover letter identifying the company(ies) responding, and indicating the name, title and telephone number of the person to be contacted if questions arise regarding the completeness or accuracy of the submission. TYPE OF RISK YES NO POLICIES CONTACT Recreational Liability Carnivals, Fairs and Amusement Parks Required by Article 27 of the New York Labor Law to obtain liability insurance. Large Amusement Park [] [] Small Amusement Park [] [] Traveling Amusement [] [] Shows Small Local Fairs [] [] Carnivals [] [] State or County Fairs [] [] TYPE OF RISK YES NO POLICIES CONTACT Other Recreational Liability Ice Skating Rinks [] [] and/or Clubs Ski Area Liability [] [] Ski Tour Operators [] [] Horseback Riding [] [] Establishment Winter Recreational [] [] Facilities Snowmobile Liability [] [] Snowmobile Clubs- [] [] Including Trails Snowmobile Clubs- [] [] Excluding Trails Snowmobile Rentals [] [] TYPE OF RISK YES NO POLICIES CONTACT Go Kart Facilities [] [] Bowling Alleys [] [] Indoor Pool [] [] Swim Clubs Horseback Riding [] [] Establishment Private Recreational [] [] Clubs Summer Camp And [] [] Recreational Facilities Roller Skating [] [] Facilities Special Events [] [] Health Clubs [] [] Racquetball Facilities [] [] Private Beaches [] [] TYPE OF RISK YES NO POLICIES CONTACT Baseball & [] [] Softball Clubs Hockey Clubs [] [] Other Sports [] [] Clubs Firework Display [] [] Contact Sport Club [] [] Gymnasium Schools [] [] Youth Centers [] [] Tennis Instructor [] [] Health Clubs [] [] TYPE OF RISK YES NO POLICIES CONTACT Boat owners Liability [] [] Boat Rentals [] [] Boat Launch [] [] Facilities Boat Marina [] [] Facilities Pleasure Boating [] [] Museum Establishments [] [] Theater Club [] [] Road Race Club [] [] Judo and Karate [] [] Instruction TYPE OF RISK YES NO POLICIES CONTACT Recreational [] [] Guide Services Singles Club [] [] Beach Club [] [] Police Athletic [] [] League Knights of Columbus or [] [] Other Fraternal Organization Special Exhibit Floater [] [] Vacation Resorts [] [] Bungalow Colonies [] [] Other Specify [] [] TYPE OF RISK YES NO POLICIES CONTACT LIQUOR LAW LIABILITY- [] [] taverns and restaurants for which liquor accountants for more than 75% of total sales, CGL coverage is not requested. LIQUOR LAW LIABILITY- [] [] taverns and restaurants for which liquor accountants for more than 75% of total sales, CGL coverage is not requested. LIQUOR LAW LIABILITY- [] [] taverns and restaurants for which liquor accountants for more than 75% of total sales, CGL coverage is not requested. LIQUOR LAW LIABILITY- [] [] taverns and restaurants for which liquor accountants for more than 75% of total sales, CGL coverage is not requested. TYPE OF RISK YES NO POLICIES CONTACT PRODUCT LIABILITY Medical Product - [] [] Sales Cosmetic Manufacturers [] [] Cosmetic Sales [] [] New Products (Cosmetics) [] [] Establishment New Products [] [] Pharmaceutical New Products (Food) [] [] New Products (Other Specify) [] [] Tanning Salons [] [] Toy Manufacturers [] [] TYPE OF RISK YES NO POLICIES CONTACT Refrigeration Systems [] [] Food Processing [] [] Pest Control [] [] Tree Spraying [] [] New Car Dealers [] [] Used Car Dealers [] [] Motorcycle Dealers [] [] Detergent Manufacturer [] [] Chemical Packaging Firm [] [] Fire Gauge Manufacturer [] [] TYPE OF RISK YES NO POLICIES CONTACT Fire Equipment [] [] Furrier [] [] Close Out [] [] Sales Vendor Pen Maker [] [] Riding Equipment Sales [] [] Toilet Renting [] [] Children" Clothing [] [] Distributor Platform Lift Rentals [] [] TYPE OF RISK YES NO POLICIES CONTACT Clothing Importers [] [] Golf Cart Leasing [] [] Auto Parts [] [] Manufacturers Fuel Oil [] [] Distributor Fuel Tank Installation [] [] and Repair (may include Premises Operations coverage) Tanks Other than Fuel- [] [] Installation and Repair Aircraft instruments [] [] and Gauges Other - Specify [] [] TYPE OF RISK YES NO POLICIES CONTACT COMPLETED OPERATIONS Aircraft Repair Liability [] [] Auto Body Repair Work [] [] Boat Hauling [] [] Boiler and Machinery [] [] Repair City Contractual Work [] [] City Contractual Work -- [] [] $ 4 Million Excess of $ 1 Million Duct Work Installation [] [] Asbestos Removal [] [] Removal of other [] [] Pollutants (i.e, Dioxin, PCBs) Racquetball Facilities [] [] Private Beaches [] [] Private Beaches TYPE OF RISK YES NO POLICIES CONTACT Pest Control [] [] Exterminator's [] [] Liability Crop Dusting [] [] Tree Spraying [] [] Tanning Salons [] [] Bridge Painting [] [] Masonry Work [] [] Construction [] [] Carpentry [] [] Refrigeration Systems [] [] TYPE OF RISK YES NO POLICIES CONTACT Roofing Contractors [] [] Cardboard Manufacturers [] [] Dock Repair [] [] Knife Manufacturing [] [] & Sales Underground Tank [] [] Inspection Waste Disposal- [] [] Hazardous Waste Disposal- [] [] Non-Hazardous Other Specify [] [] TYPE OF RISK YES NO POLICIES CONTACT PREMISES/OPERATIONS LIABILITY Churches [] [] Synagogues [] [] Restaurants [] [] Retail Stores [] [] Grocery Stores [] [] Bodegas [] [] Office Buildings [] [] Apartment Buildings [] [] TYPE OF RISK YES NO POLICIES CONTACT Other Commercial [] [] Real State Rooming Houses [] [] Hotels [] [] Hotels -- Seasonal [] [] Motels [] [] Motels -- Seasonal [] [] Farms and [] [] Ranches Outpatient [] [] Elective Surgery Office TYPE OF RISK, YES NO POLICIES CONTACT Vacant Commercial [] [] Real Estate Vacant Dwellings [] [] Vacant Land [] [] Other -- Specify [] [] INSURER NAME NOTE: FOR ALL "YES" RESPONSES INSERT THE FOLLOWING: [X] YES, ACTIVELY PROVIDE A MARKET [*] YES. SELECTIVELY TYPE OF RISK YES NO POLICIES CONTACT MUNICIPAL LIABILITY General Liability [] [] Automobile Liability [] [] Excess Liability [] [] Umbrella Liability [] [] Indian Reservations [] [] Other -- Specify [] [] INSURER NAME NOTE: FOR ALL "YES" RESPONSES INSERT THE FOLLOWING: [X] YES, ACTIVELY PROVIDE A MARKET [*] YES, SELECTIVELY [+] YES, BUT WILL UNDERWRITE ONLY AS AN ACCOMMODATION TYPE OF RISK, YES NO POLICIES CONTACT SMALL CONTRACTORS AND OTHER SMALL BUSINESSES Cleaning Services [] [] Cleaning Services [] [] Floor Waxing Exposure Electrical Contractors [] [] Elevator and Boiler Repair [] []$ Home Improvement [] [] Contractors General Contractors -- [] [] "Paper Contracts" Home Inspection Companies [] [] INSURER NAME NOTE: FOR ALL "YES" RESPONSES INSERT THE FOLLOWING: [X] YES, ACTIVELY PROVIDE A MARKET [*] YES, SELECTIVELY TYPE OF RISK YES NO POLICIES CONTACT Women, Minority and Small [] [] Business Contract Bonds Health Club Surety Bonds [] [] Bonds for Contractors for [] [] the City of New York Bonds for other Municipal [] [] Contractors Other -- Specify [] [] INSURER NAME NOTE: FOR ALL "YES" RESPONSES INSERT THE FOLLOWING: [X] YES, ACTIVELY PROVIDE A MARKET [*] YES, SELECTIVELY [+] YES, BUT WILL UNDERWRITE ONLY AS AN ACCOMODATION TYPE OF RISK, YES NO POLICIES CONTACT CHILD CARE LIABILITY Day Care Endorsement to [] [] Homeowners Policy Family Day Care [] [] in home (up to 6 children) Group Family Day Care [] [] in home (7 - 12 children) Day Care Center [] [] self-standing Foster Parents [] [] Foster Care [] [] Care for the [] [] Mentally Disabled Adult Day Care [] [] Other -- Specify [] [] INSURER NAME NOTE: FOR ALL "YES" RESPONSES INSERT THE FOLLOWING: [X] YES, ACTIVELY PROVIDE A MARKET [*] YES, SELECTIVELY TYPE OF RISK YES NO POLICIES CONTACT POLLUTION LIABILITY Underground storage tanks [] [] Above Ground Storage Tanks [] [] Clean-Up Costs [] [] Asbestos Removal [] [] Contractors Hazardous Waste Haulers [] [] Hazardous Waste Removal [] [] Medical Waste Removal [] [] Contractors Environmental Protector [] [] Policy Other -- Specify [] [] INSURER NAME NOTE: FOR ALL "YES" RESPONSES INSERT THE FOLLOWING: [X] YES, ACTIVELY PROVIDE A MARKET [*] YES SELECTIVELY [+] YES, BUT WILL UNDERWRITE ONLY AS AN ACCOMMODATION TYPE OF RISK YES NO POLICIES CONTACT PROFESSIONAL LIABILITY - ERRORS AND OMISSIONS Directors and Officers Liability (Profit) [] [] (Non-Profit) [] [] Lawyers [] [] Professional Liability Law Enforcement [] [] Professional Liability Security Firms [] [] (i.e. Pinkerton Guard) Social Worker [] [] Professional Liability Architects and Engineers [] [] Professional Liability Publishers [] [] Professional Liability Accountants and Auditors [] [] Errors and Omissions Public Official [] [] Errors and Omissions INSURER NAME NOTE: FOR ALL "YES" RESPONSES INSERT THE FOLLOWING: [X] YES, ACTIVELY PROVIDE A MARKET [*] YES SELECTIVELY TYPE OF RISK YES NO POLICIES CONTACT Real Estate [] [] Errors and Omissions Nursing Homes [] [] Medical Malpractice Private Nursing Service [] [] Medical Malpractice Medical Students [] [] Medical Malpractice Non-Profit Organizations [] [] School Liability [] [] Employment Agencies [] [] Fiduciary Liability [] [] Advertising Agents [] [] Errors and Omissions Travel Agents [] [] Errors and Omissions INSURER NAME NOTE: FOR ALL "YES" RESPONSES INSERT THE FOLLOWING: [X] YES, ACTIVELY PROVIDE A MARKET [*] YES SELECTIVELY TYPE OF RISK YES NO POLICIES CONTACT Actuaries [] [] Errors and Omissions Consultants [] [] Professional Liability Counselors [] [] Errors and Omissions Employee Benefits Liability [] [] Insurance Producers [] [] Errors and Omissions Insurance Company [] [] Errors and Omissions Ambulance [] [] Professional Liability .Acupuncture [] [] .Chiropractor [] [] .Chiropodist/Podiatrist [] [] INSURER NAME NOTE: FOR ALL "YES" RESPONSES INSERT THE FOLLOWING: [X] YES, ACTIVELY PROVIDE A MARKET [*] YES SELECTIVELY [+] YES, BUT WILL UNDERWRITE ONLY AS AN ACCOMMODATION TYPE OF RISK YES NO POLICIES CONTACT Dietician/Nutritionist [] [] Laboratory Technician [] [] Registered Nurse [] [] Practical Nurse [] [] Nurse Practitioners [] [] Nurse Midwife [] [] Nurse Anesthetist [] [] Occupational Therapist [] [] .Optician [] [] Optometrist [] [] INSURER NAME NOTE: FOR ALL "YES" RESPONSES INSERT THE FOLLOWING: [X] YES, ACTIVELY PROVIDE A MARKET [*] YES SELECTIVELY [+] YES, BUT WILL UNDERWRITE ONLY AS AN ACCOMMODATION TYPE OF RISK YES NO POLICIES CONTACT Orthotist/Prosthetist [] [] Pharmacist [] [] Physical Therapist [] [] Physician's Assistant [] [] Psychologist [] [] Rehabilitation Professionals [] [] Respiratory Therapist [] [] Weight Loss Centers [] [] Hospice [] [] Visiting Nurse Association [] [] INSURER NAME NOTE: FOR ALL "YES" RESPONSES INSERT THE FOLLOWING: [X] YES, ACTIVELY PROVIDE A MARKET [*] YES SELECTIVELY [+] YES, BUT WILL UNDERWRITE ONLY AS AN ACCOMMODATION TYPE OF RISK YES NO POLICIES CONTACT Home Health Care Agency [] [] Community Health Care Centers [] [] Physical & Occupational Rehabilitation Centers [] [] Cardiac Rehabilitation Centers [] [] Emergency Centers [] [] Surgery Centers [] [] Blood Banks [] [] Organ or Blood Facilities [] [] Medical Dental or X-Ray Labs [] [] Other -- Specify [] [] INSURER NAME NOTE: FOR ALL "YES" RESPONSES INSERT THE FOLLOWING: [X] YES, ACTIVELY PROVIDE A MARKET [*] YES SELECTIVELY [+] YES, BUT WILL UNDERWRITE ONLY AS AN ACCOMMODATION TYPE OF RISK, YES NO POLICIES CONTACT GOVERNMENT FUNDED VOLUNTEER PROGRAMS Business Counseling Programs- [] [] Non-Profit Agency Counselors Liability - Non-profit Agency [] [] Counselors Liability - Additional Insureds [] [] Excess Owned/Non-Owned Automobile Liability [] [] Automobile Transportation [] [] Liability Medical Payments Liability [] [] Recreational Facilities [] [] INSURER NAME NOTE: FOR ALL "YES" RESPONSES INSERT THE FOLLOWING: [X] YES, ACTIVELY PROVIDE A MARKET [*] YES SELECTIVELY TYPE OF RISK YES NO POLICIES CONTACT Social Workers [] [] Hospital Workers - Additional Insureds [] [] Other -- Specify [] [] INSURER NAME NOTE: FOR ALL "YES" RESPONSES INSERT THE FOLLOWING: [X] YES, ACTIVELY PROVIDE A MARKET [*] YES, SELECTIVELY [+] YES, BUT WILL UNDERWRITE ONLY AS AN ACCOMMODATION TYPE OF RISK YES NO POLICIES CONTACT MISCELLANEOUS LIABILITY RISKS Umbrella Liability [] [] Excess Liability [] [] Small Storage Warehouses [] [] Containing Chemicals and/or Pollutants Owners' Protective Liability [] [] Block Associations [] [] Condominium Associations [] [] Cooperative Apartment [] [] Associations Community Centers [] [] Senior Citizen Centers [] [] INSURER NAME NOTE: FOR ALL "YES" RESPONSES INSERT THE FOLLOWING: [X] YES, ACTIVELY PROVIDE A MARKET [*] YES, SELECTIVELY TYPE OF RISK YES NO POLICIES CONTACT Private Schools (including Athletic Participation) [] [] Car Rental Agencies [] [] Motor Truck Cargo [] [] Garage keepers Liability [] [] Garage keepers Liability - Classic Autos [] [] Rental Vehicles - [] [] Private Passenger Auto - Physical Damage Home Health Care - incl. Errors and Omissions [] [] Home Health Care - excl. Errors and Omissions [] [] INSURER NAME NOTE: FOR ALL "YES" RESPONSES INSERT THE FOLLOWING: [X] YES, ACTIVELY PROVIDE A MARKET [*] YES, SELECTIVELY [+] YES, BUT WILL UNDERWRITE ONLY AS AN ACCOMMODATION TYPE OF RISK YES NO POLICIES CONTACT Hansom Cabs (Horse and Carriage) [] [] Volunteer Fire Departments & Other Emergency Services [] [] Other -- Specify [] [] INSURER NAME NOTE: FOR ALL "YES" RESPONSES INSERT THE FOLLOWING: [x] YES, ACTIVELY PROVIDE A MARKET [*] YES, BUT WILL UNDERWRITE ONLY AS AN ACCOMMODATION [+] YES, BUT WILL UNDERWRITE ONLY AS AN ACCOMMODATION