Business Insurance

Trade Associations

Specialized insurance solutions for specific industries.

PayneWest is proud to work with various trade associations to offer insurance solutions that are specialized for a specific industry. Our dedicated trade associations team is ready to work with you to offer peace of mind that only true protection can provide.

Mortgage Field Services

Private Investigator and Process Servers

Property Preservation Services

Security Guards and Controls

Mortgage Field Services

Let us help you take the worry out of protecting your business.
As a mortgage field service professional you likely wear a lot of hats. From inspection services to property preservation you have many rolls to fill. Let us help take the worry out of protecting your business. At PayneWest we provide customized insurance solutions tailored to meet the needs of mortgage field service professionals. Contact us to learn more about how we can help protect your business and let you focus on what you do best.

Included Coverages:

  • General liability – $1,000,000/$2,000,000
  • Errors & omissions (separate limits) – $1,000,000/$2,000,000
  • Damage to premises – $100,000
  • Personal & advertising injury – $1,000,000
  • Medical payments – $5,000
  • Property damage – $50,000
  • Blanket additional insured (including primary and non-contributory and limited waiver) – Included *up to 10 additional insureds
  • Assault & battery – $300,000/$600,000
  • Lost key coverage – $100,000/$300,000
  • Electronic data – $50,000
  • Terrorism – included

Additional Coverages

  • Employee benefits – $1,000,000
  • Stop gap – $1,000,000
  • Hired & non-owned auto – $1,000,000
  • Blanket additional insured – all the way up to as many as necessary
  • Additional insured landlord
  • Additional insured equipment
  • Scheduled waiver of subrogation
  • Scheduled additional insured
  • Prior acts coverage
  • Property damage – up to $500,000
  • Increased limits

Accepted Operations

  • Level 1 (Occupancy Field Inspection):
    • Completion of Checklist provided for exterior condition of property
    • Confirmation of foreclosed home being occupied or unoccupied
    • Interviewing of neighbors
    • Determination power to structure
    • Determination of debris, attractive nuisance issues, any potential hazards
    • Photos of structure
    • Weekly/Monthly drive by to ensure structure has not been vandalized or broken into
    • Pest Inspection – NO treatment
    • Insurance Inspection/Photos
    • Process Serving okay
    • Assistance to Sherriff for Eviction Assistance
    Level 2 (Property Preservation)
    • Minor Repairs – Exterior and Interior Painting, Carpet Cleaning and Replacement, Vinyl Flooring Replacement, Electrical Repairs, Plumbing Repairs, Landscaping, Roofing Repairs, Fence Repairs, Glass Repairs, Sub flooring and Drywall Repairs, Debris Removal
    • Winterization – Shut down all systems, drain and air-dry the plumbing and heating systems, use air pressure to clear the system of water, add environmentally safe propylene glycol as needed, tape off all fixtures, shut off all water supply to the property, disconnecting the water meter, removing it from the cradle and leaving it on the premises, disconnecting the feed pipe leading to the main water valve and plugging or cap pit it and posting notices to included warning signs, dates on all items winterized.
    • Removal of Interior OR Exterior debris – Will remove all debris from the interior/exterior of the property in accordance with Client instructions and/or applicable Investor/Insurer guidelines
    • Swimming Pool Maintenance & Winterization – Property Preservation Purposes only
    • Smoke Detector Installation – Property Preservation Purposes only
    • Snow Removal – driveways & sidewalks – Property Preservation Purposes only
    • Licensed Pest Control Applicators – no termite or tenting application
    • Lock changes
    • Yard maintenance – mowing, weeding, trimming of shrubs/trees, etc.
    • Boarding of windows

Operations which require carrier approval:

  • Accounts with Receipts over $1,000,000
  • Accounts in which general contractor operations

Prohibited Operations:

  • Alarm Installation
  • Asbestos Abatement
  • Security Operations
  • Lead Abatement
  • Real Estate Inspectors for New Sales or Refinancing
  • More than 5% uninsured subcontractors
  • Title Abstract Services

Additional Request/Facts:

  • Minimum of 3 years’ experience relating to inspection/preservation operations
  • Loss runs required on all new business
    • Any claims will require claim statement from insured
  • Backdating over 5 business days will need to be one off discussions
  • This program is rated on receipts and subcontractor cost
  • Minimum Premium – $1,200 for Level 1 & $1,900 for Level 2

Exclusions read as:

Mold Abatement, Real Estate Sales, Real State Appraisals, Real Estate Inspections Required for Sales, Termite Abatement or Tenting

Private Investigator and Process Servers

You are part of a specialized profession providing solutions for your clients. Your insurance should be specialized too. At PayneWest, we provide solutions for your private investigation and process server insurance needs. Like you, we are committed to our clients and strive to provide the best service available. Contact us today to learn more about our unique policies and service.

Included Coverages:

  • General liability – $1,000,000/$2,000,000
  • Errors & omissions (separate limits) – $1,000,000/$2,000,000
  • Damage to premises – $100,000
  • Personal & advertising injury – $1,000,000
  • Medical payments – $5,000
  • Property damage – $50,000
  • Blanket additional insured (including primary and non-contributory and limited waiver) – Included *up to 10 additional insureds
  • Assault & battery – $300,000/$600,000
  • Lost key coverage – $100,000/$300,000
  • Electronic data – $50,000
  • Terrorism – included

Additional Coverages

  • Employee benefits – $1,000,000
  • Stop gap – $1,000,000
  • Hired & non-owned auto – $1,000,000
  • Blanket additional insured – all the way up to as many as necessary
  • Additional insured landlord
  • Additional insured equipment
  • Scheduled waiver of subrogation
  • Scheduled additional insured
  • Prior acts coverage
  • Property damage – up to $500,000
  • Increased limits

Accepted Operations

  • Private Investigations – (Asset Location, Background Checks, Certified Polygraph, Corporate Investigations, Domestic Investigation, Electronic Countermeasures, Employment Investigation, Forensic Investigation, Insurance Claims, Insurance Loss Control, Work Comp Claims, Legal Investigations, Record Research, Surveillance, Witness Interviews)
  • Claims Adjuster (Draft authority $25,000 or less)
  • Training Courses (must be state approved and insured must have a hold harmless agreement in place)
  • Process Servers (Eviction Posting accepted)
  • Up to 20% security operations (see TAG 3 cheat sheet for okay/prohibited operations)
  • Subcontractor Cost okay (must include subcontractor agreement & hold harmless)

Prohibited Operations:

  • Accounts with Receipts over $1,000,000
  • Accounts in which general contractor operations

Prohibited Operations:

  • Over 20% security operations
  • Any prohibited security operations – (see TAG 3 cheat sheet)
  • Alarm Install
  • Collection or Repossession
  • Bounty Hunting
  • School Crossing Guard
  • Title abstract

Additional Request/Facts:

  • Minimum of 3 years’ experience relating to private investigation/process server operations
  • Loss runs required on all new business
    • Any claims will require claim statement from insured
  • Backdating over 5 business days will need to be one off discussions
  • This program is rated on payroll (We cap payroll)
    • Owners at $20,000 each
    • Employees at $32,000 each
  • We do not charge for clerical employees – please double check clerical employees are not doing any document investigation and are true clerical employees.
  • Minimum Premium $600 for Investigation & $650 for Process Service

Exclusions read as:

Security or Guard work during operation hours in Taverns and/or Restaurants; Armed Retail Operations occurring during business hours; Repossession and Collection Agencies other than location of assets; Bail Bondsmen; Bounty Hunters, Bail Enforcement Operations; Bouncers, Executive Protection for Celebrities, Entertainers, Dignitaries, or Athletes.

Property Preservation Services

You do occupancy checks, interview neighbors, take photos, do pest inspections, assist with evictions conduct drive-by’s and much more. In your line of work, you have to think on your feet and be responsive. Your insurance provider should be flexible and cover the full variety of work you do. At PayneWest, we provide insurance solutions tailored specifically to your industry. Give us a call to discuss how we can take the worry out of insurance for you.

Included Coverages:

  • General liability – $1,000,000/$2,000,000
  • Errors & omissions (separate limits) – $1,000,000/$2,000,000
  • Damage to premises – $100,000
  • Personal & advertising injury – $1,000,000
  • Medical payments – $5,000
  • Property damage – $50,000
  • Blanket additional insured (including primary and non-contributory and limited waiver) – Included *up to 10 additional insureds
  • Assault & battery – $300,000/$600,000
  • Lost key coverage – $100,000/$300,000
  • Electronic data – $50,000
  • Terrorism – included

Additional Coverages

  • Employee benefits – $1,000,000
  • Stop gap – $1,000,000
  • Hired & non-owned auto – $1,000,000
  • Blanket additional insured – all the way up to as many as necessary
  • Additional insured landlord
  • Additional insured equipment
  • Scheduled waiver of subrogation
  • Scheduled additional insured
  • Prior acts coverage
  • Property damage – up to $500,000
  • Increased limits

Accepted Operations

  • Level 1 (Occupancy Field Inspection):
    • Completion of Checklist provided for exterior condition of property
    • Confirmation of foreclosed home being occupied or unoccupied
    • Interviewing of neighbors
    • Determination power to structure
    • Determination of debris, attractive nuisance issues, any potential hazards
    • Photos of structure
    • Weekly/Monthly drive by to ensure structure has not been vandalized or broken into
    • Pest Inspection – NO treatment
    • Insurance Inspection/Photos
    • Process Serving okay
    • Assistance to Sherriff for Eviction Assistance

    Level 2 (Property Preservation)

    • Minor Repairs – Exterior and Interior Painting, Carpet Cleaning and Replacement, Vinyl Flooring Replacement, Electrical Repairs, Plumbing Repairs, Landscaping, Roofing Repairs, Fence Repairs, Glass Repairs, Sub flooring and Drywall Repairs, Debris Removal
    • Winterization – Shut down all systems, drain and air-dry the plumbing and heating systems, use air pressure to clear the system of water, add environmentally safe propylene glycol as needed, tape off all fixtures, shut off all water supply to the property, disconnecting the water meter, removing it from the cradle and leaving it on the premises, disconnecting the feed pipe leading to the main water valve and plugging or cap pit it and posting notices to included warning signs, dates on all items winterized.
    • Removal of Interior OR Exterior debris – Will remove all debris from the interior/exterior of the property in accordance with Client instructions and/or applicable Investor/Insurer guidelines
    • Swimming Pool Maintenance & Winterization – Property Preservation Purposes only
    • Smoke Detector Installation – Property Preservation Purposes only
    • Snow Removal – driveways & sidewalks – Property Preservation Purposes only
    • Licensed Pest Control Applicators – no termite or tenting application
    • Lock changes
    • Yard maintenance – mowing, weeding, trimming of shrubs/trees, etc.
    • Boarding of windows

Operations which require carrier approval:

  • Accounts with Receipts over $1,000,000
  • Accounts in which general contractor operations

Prohibited Operations:

  • Alarm Installation
  • Asbestos Abatement
  • Security Operations
  • Lead Abatement
  • Real Estate Inspectors for New Sales or Refinancing
  • More than 5% uninsured subcontractors
  • Title Abstract Services

Additional Request/Facts:

  • Minimum of 3 years’ experience relating to inspection/preservation operations
  • Loss runs required on all new business
    • Any claims will require claim statement from insured
  • Backdating over 5 business days will need to be one off discussions
  • This program is rated on receipts and subcontractor cost
  • Minimum Premium – $1,200 for Level 1 & $1,900 for Level 2

Exclusions read as:

Mold Abatement, Real Estate Sales, Real State Appraisals, Real Estate Inspections Required for Sales, Termite Abatement or Tenting

Security Guards and Controls

At PayneWest, we specialize in insurance solutions for security guard and patrol professionals. We are committed to providing the best possible insurance protection and service at the right price. You protect others, let us help protect you. Give us a call today to learn more about our unique policies and service.

Included Coverages:

  • General liability – $1,000,000/$2,000,000
  • Errors & omissions (separate limits) – $1,000,000/$2,000,000
  • Damage to premises – $100,000
  • Personal & advertising injury – $1,000,000
  • Medical payments – $5,000
  • Property damage – $50,000
  • Blanket additional insured (including primary and non-contributory and limited waiver) – Included *up to 10 additional insureds
  • Assault & battery – $300,000/$600,000
  • Lost key coverage – $100,000/$300,000
  • Electronic data – $50,000
  • Terrorism – included

Additional Coverages

  • Employee benefits – $1,000,000
  • Stop gap – $1,000,000
  • Hired & non-owned auto – $1,000,000
  • Blanket additional insured – all the way up to as many as necessary
  • Additional insured landlord
  • Additional insured equipment
  • Scheduled waiver of subrogation
  • Scheduled additional insured
  • Prior acts coverage
  • Property damage – up to $500,000
  • Increased limits

Accepted Operations

  • Armed & Unarmed Security (apartments, condominiums, banks, offices, churches, construction sites, warehouse, industrial risk, hotels, movie theaters, city/county/state buildings)
  • Executive Protection (no celebrities, entertainers, athletes)
  • Security Consulting
  • Canine Patrol & Security – must be certified w/ 5 years’ experience.
  • All Private TAG 1 operations accepted
  • Security Training Courses (must be state approved and insured must have a hold harmless agreement in place)
  • Process Servers (Eviction Posting accepted)
  • Up to 20% security operations (see TAG 3 cheat sheet for okay/prohibited operations)
  • Subcontractor Cost okay (must include subcontractor agreement & hold harmless)
  • Unarmed Strike Security – no high profile
  • Off duty officers – no officer uniforms may be worn
  • Airport Security – premises & cargo area okay. No TSA operations

Operations which require carrier approval:

  • Armored Car Services (copy of contract to include hold harmless must be provided)
  • Border Patrol (copy of contract must include no arrest authority & hold harmless)
  • Security for Low Income housing
  • Security in Hospitals/Medical Facilities

Prohibited Operations:

  • Abortion Clinic/Family Planning Centers
  • Correctional Facilities, Detention Centers & Penal Institutions
  • Nuclear Power Plants
  • TSA Operations
  • Armed Guards – Retail Stores during business hours
  • Armed Guards – Schools
  • Armed Strike Security
  • Bail Bonds/ Bail Enforcement
  • Body Guards for Celebrities, entertains and athletes
  • Canine Patrol/Security used for bomb or weapon detection
  • Collection/Repossession Operations
  • Doorman or Bouncers for nightclubs, teen centers, bars, restaurant for purpose of bar services, or taverns
  • Active Law Enforcement
  • Parole Officers
  • Prisoner Transport
  • School Crossing Guard
  • Traffic Control
  • Undercover Drug Operations

Additional Request/Facts:

  • Minimum of 3 years’ experience relating to security operations
  • Loss runs required on all new business
    • Any claims will require claim statement from insured
  • Backdating over 5 business days will need to be one off discussions
  • This program is rated on payroll (We cap payroll)
    • Owners & Employees cap at $25,000
  • We do not charge for clerical employees – please double check clerical employees are not doing any document investigation and are true clerical employees.
  • Minimum Premium – $1,000

Exclusions read as:

Security or Guard work during operation hours in Taverns and/or Restaurants; Armed Retail Operations occurring during business hours; Repossession and Collection Agencies other than location of assets; Bail Bondsmen; Bounty Hunters, Bail Enforcement Operations; Bouncers, Executive Protection for Celebrities, Entertainers, Dignitaries, or Athletes.

Tell us what you need. We’ll take it from there.

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