Anchor Bay Insurance Managers Surpluslines


We believe that we offer the best combination of price and form available to our targeted accounts in the market today. The price you will soon see for yourself. As to the many form advantages of our program, compare our form with your competitors and you will most likely have several strong talking points…


  1. We DO write theft coverage on contents, even when the insured does not have a monitored central station alarm. At least one of our competitors is writing contents on an x-theft basis in that situation.
  2. We can waive the exclusion of Outdoor Property. Things like furniture and equipment outside the building are often excluded as they are target items for theft and it is usually easy to steal them. If there have been no prior theft issues, we can waive the exclusion.
  3. We have a meaningful Property Broadening Endorsement. Most all programs have a broadening endorsement. We think that ours is among the best.
  4. We generally include Food Borne Illness BI & Expense.
  5. We generally include Equipment Breakdown.
  6. TRIA is included at no charge.


  1. No Premises / Operations Limitation endorsement – if your client does a fund raiser without telling you, then they have coverage (subject to policy provisions). There is no dispute, after a claim, about whether or not somebody in your office was told of the fund raiser and supposedly neglected to add coverage.
  2. We include a Limited Blanket Additional Insured Endorsement. With this endorsement, most potential additional insureds (such as landlords) are covered at no charge, provided that the requirement is part of a written contract.

    So let’s look at that fundraiser again. Now the insured will have automatic coverage (subject to policy provisions), at no charge, not only for the fund raiser itself, but also for the additional insured endorsement that is required (if it is required in writing). So you don’t have to spend $25 in staff time quoting, ordering, billing and collecting an endorsement that generates only $10 in commission.
  3. We include Medical Payments – at least one of our competitors does not – and we generally provide a higher limit than most of our competitors.
  4. We can delete exclusion (f) on Medical Payments – but only if you request us to do so. Absent this exclusion, food is a product (see Products Hazard Redefined) and Products Liability is excluded from Medical Payments. As such, things like a chipped tooth aren’t covered under Medical Payments but are CGL claims.

    Not only is the insured put in an adversarial position with his customer with such handling, but most carriers have a deductible on the CGL that the insured would have to pay. And that deductible might well exceed the value of the claim. Request us to delete exclusion (f) and all of that goes away.
  5. We can now write a $2 mil Occurrence Limit on the CGL. (Sorry, we can only do $1 mil each Common Cause on the Liquor Legal.) Since many landlords are now requiring a $ 2 mil Occurrence limit, you no longer have to purchase an excess liability policy to meet the lease requirement. For most accounts, the cost is about $500, plus tax.
  6. For most accounts that we write, we are silent on Assault & Battery on the CGL. This is huge. Most of our competitors sublimit Assault & Battery – and that significantly reduces the amount of coverage available to pay claims in two ways.

    • First, the sublimit is a way of providing a lower limit – instead of offering full CGL limits to an A&B claim (subject to available General Aggregate), they instead offer a much reduced limit, and
    • Second, defense costs are usually built into (and therefore deplete) the sublimit, leaving even less of the limit available for indemnity.
  7. We do not have a deductible on Commercial General Liability.
  8. TRIA is included at no charge.


  1. We do not have a deductible on Liquor Liability.
  2. TRIA is included at no charge.


There are two misunderstandings about Assault & Battery, and how it is provided, that you need to be able to address in the field.

  • A sublimit reduces the A&B coverage, and the lack of a sublimit doesn’t necessarily mean that there is no A&B coverage.

    The way that an Assault & Battery sublimit is usually handled is that the carrier first excludes A&B altogether and then adds back in a smaller limit, or sublimit. Sometimes it is all done on one endorsement; other times the A&B exclusion is on one endorsement and there is a separate endorsement adding back the sublimit.

    We are most often (but not always) silent on A&B – meaning that we do not exclude it from the CGL. Since there is no exclusion, there is no need to add a sublimit. Some clients have been told that the lack of a sublimit means that there is no coverage at all, but in fact, the lack of a sublimit means that the coverage is better in two ways:

    • First, if there is no exclusion, then the limits available to pay an A&B claim are the CGL Occurrence / General Aggregate limits – usually, $1 mil / $2 mil. So a sublimit is a way of reducing the limit to a smaller amount.
    • Second, if there is no exclusion, then the defense costs of an A&B claim are generally paid in addition to the sublimit and don’t use up any of the limit. When a carrier sublimits the A&B, they will usually include the defense costs within the sublimit. So if you have a $300,000 sublimit and a $300,000 A&B claim that takes $100,000 to defend, you’d only have $200,000 of the $300,000 sublimit available for indemnity – the other $100,000 going for defense costs.
  • An A&B exclusion on the Liquor Liability does not usually mean that there is no A&B coverage if either of the combatants was drunk.

    Competing agents will often claim otherwise, and there are some agents who chose not to use our product because they mistakenly believe otherwise.

    We always exclude A&B from the Liquor Liability – not because we want to exclude A&B coverage if someone was overserved, but because it is generally already covered under the CGL. It’s a premises loss – even if one or both of the participants were overserved.

    We are principally trying to prevent the “stacking of limits” – double coverage for the same claim (first under the CGL coverage part and then under the Liquor Liability coverage part). Other carriers often use a “non-stacking of limits endorsement”; our carrier prefers this handling.


  1. Generally, we do not apply a 25% minimum earned premium.
  2. Generally, we do not have a minimum & deposit (M&D) premium.

If you have questions, please call the Program Manager, Bill Tanner at (360) 649-8969.

Anchor Bay Insurance Managers, Inc.
P.O. Box 2510
Silverdale, WA 98383
For a contact list, including phone and email addresses,
please contact us at:

Employee E-Mail: first initial last

NOTE: This web site provides only simplified descriptions of typical business insurance and is not a statement of contract. Actual coverage's are as specified in the policy and endorsements.