Coverages and Capabilities

SPARTA has a selective and disciplined underwriting approach exclusively focused on unbundled program business.  SPARTA Insurance Company, an admitted carrier in all 50 states (including DC), is broadly licensed, providing 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 - 5 million, with statutory limits for Workers Compensation. 

SPARTA also underwrites through SPARTA Specialty Insurance Company, a non-admitted company currently available in over 30 states.  SPARTA Specialty provides excess and surplus lines capability for greater coverage, rating and pricing flexibility.  SPARTA American Insurance Company is an admitted carrier providing Workers Compensation coverage to preferred California risks.

SPARTA's product portfolio offers a full array 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 in-house product development expertise to customize admitted and non-admitted program solutions. SPARTA makes available and files on a program specific basis, a variety of proprietary filings providing tailored coverages, multi-tiered pricing flexibility and specific rating, subject to individual state regulatory approvals.

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

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

• Retail / Wholesale
• Service
• Light Manufacturing
• Hospitality: hotel/motel, restaurant
• Habitation: apartment managers, condos
• Light / Medium Trade Contractors: electrical, mechanical, commercial
• Transportation / Distribution: small / medium fleets, short / intermediate radius, general             commodity hauling
• Misc Professional Liability