Innovative Coverage Concepts, LLC (ICCSM) is an intermediary focused exclusively on delivering quality business insurance products and services to brokers throughout the United States for their restaurant clients. 

Special Insurance Programs for Business

Home

Innovative Coverage Concepts, LLC (ICCSM) is a Program Manager focused exclusively on the development and delivery of specialized insurance programs for businesses.  

Appointed Brokers

 

Newly Appointed - First Time Visitor

Click This Link

Contact Info

Here’s the contact information for our key people:

Program Manager

Linda Maher, CPCU

Ext 207

 lindam@innocov.com

New Business < $100K Premium

Joanne Murray

Ext 210

 joannem@innocov.com

New Business > $100K Premium

Jeff Hallman

Ext 204

 jeffh@innocov.com

Claims/Loss Control

Marc Fabrizio 

Ext 220

 marcf@innocov.com

Accounting

Lori Caruso

Ext 212

 loric@innocov.com

 


Application Forms

As is common for specialty markets, ICC uses its own supplemental applications since:

-   ACORD apps don’t give us all the information we need to properly underwrite your business

-   We need to properly identify which of our different underwriters will do the best job for

     your restaurant and answer their questions.

Therefore, our application philosophy is:

  • Complete the normal ACORD apps for property & liability.

-   ACORD 125 – General Information

-   ACORD 126 – General Liability

-   ACORD 140 – Property

and if applicable, the following:

-   ACORD 127 – Automobile

-   ACORD 141 – Crime

-   ACORD 131 – Umbrella

-   ACORD 155 – Boiler & Machinery

  •   Complete the On-Screen Supplemental application for each location

    (if this is a franchise with many locations with the same characteristics, the Location Supplemental can be done once with notations of any departures)

Interested in learning more?
Call us toll free at 866-577-7007