Coverages and Capabilities

SPARTA has a selective and disciplined underwriting approach exclusively focused on unbundled program business for all standard commercial lines: Commercial Automobile (including Physical Damage), Garage, Truckers, Commercial General Liability, Commercial Property (including Package), Businessowners, Crime, Glass, Inland Marine, Equipment Breakdown, Workers Compensation and Umbrella. Typical limits of liability are $1 million, with statutory limits for Workers Compensation. Additional limits of coverage up to $5 million are available.

SPARTA's product portfolio is available countrywide and offers a full breadth of rate, rule and forms available through Insurance Service Offices, Inc. ("ISO"), National Council on Compensation Insurance, Inc. ("NCCI") and independent state rating bureaus.

SPARTA has the in-house product development expertise to customize program solutions. Subject to individual state regulatory approvals, SPARTA makes available a variety of proprietary filings providing tailored coverages, multi-tiered pricing flexibility and program-specific rating.

The characteristics of a typical program include established programs with homogeneous risks as classified by industry sector, class of business, territory and production source.

Classes of Business
Typical classes of business that fall within SPARTA’s underwriting appetite include:

• Retail
• Wholesale
• Service
• Light Manufacturing
• Light/Medium Contracting
• Hospitality
• Habitation
• Transportation