1. Liability Based Business Classes

2. TWFG Commercial Business School Liability Based Business Classes
In property coverage restricted areas, liability based classes of business provide the best opportunity for agents to continue writing commercial lines.
Philadelphia specializes in a number of classes that are liability driven, and they are currently writing a significant amount of business in the Gulf Coast region.

3. TWFG Commercial Business School Liability Based Business Classes
Philadelphia
A++ Rated
Over $2B in Written Premium
$2B in Policyholders Surplus
Combined Ratio consistently under 100%
Operate in all 50 states
Focus on “Niche Markets” written on admitted paper

4. TWFG Commercial Business School Liability Based Business Classes
Philadelphia
Phily’s success lies in careful underwriting and being very competitive when they quote. Agents should expect some additional underwriting requirements, such as:
Specialized Supplemental Applications
Photos
Business Plans & Financials
You can view their submission requirements by class on their

5. TWFG Commercial Business School Liability Based Business Classes
Philadelphia
Successful Niche Markets
Human Services
Social Services for Profit & Non Profit
Mental Health Organizations
Schools-Private, Academic, Charter & Vocational
Industry Services
Security Services – Alarm Installation/Security Guards
Temporary Staffing Agencies
Builders’ Risk
Contractors’ Pollution/Professional & Premises Pollution

6. TWFG Commercial Business School Liability Based Business Classes
Philadelphia
Successful Niche Markets (Continued)
Recreation & Entertainment
Amateur Sports
Sports Camps
Sports Leagues
Health & Fitness/24 Hour
Outdoor Products
Camp Operations
Guides & Outfitters

7. TWFG Commercial Business School Liability Based Business Classes
Philadelphia
Successful Niche Markets (Continued)
Miscellaneous
Business Auto Fleet
Limousine Operations/Chauffeured Services
Professional Liability
Professional Liability – Specified Professions
Accountants, Allied Health, Chiropractors
Life Coaches, Mental Health Professionals
Temporary Staffing Agencies

8. TWFG Commercial Business School Liability Based Business Classes
Human Services
Home Health Care
Description of Operations:
Provide services such as equipment rental, visiting doctors and nurses, physical therapists
Care ranges from companion care to medical treatment care to
end-of-life home based hospice care

9. TWFG Commercial Business School Liability Based Business Classes
Human Services
Home Health Care
Professional Liability Exposure:
Professional Liability is a major exposure. Nurses receive directions from physicians and should follow approved procedures
Employees’ backgrounds and certifications must be verified and all licenses must be kept up to date
Employee staff must not perform duties outside of their areas of expertise

10. TWFG Commercial Business School Liability Based Business Classes
Human Services
Home Health Care
Crime Exposure:
Exposure is from employee dishonesty of both money and inventory
All ordering, billing, and disbursement must be handled by separate individuals and monitoring must be constant

11. TWFG Commercial Business School Liability Based Business Classes
Human Services
Home Medical Equipment Dealers
Description of Operations:
Provides a variety of home health care medical supplies and equipment, including:
Apnea Monitors
Chemotherapy Supplies
Antibiotics Therapy Supplies
Scooters
Wheelchairs
Etc…..

12. TWFG Commercial Business School Liability Based Business Classes
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