Combined Specialties Provides

  • General Liability
  • Umbrella/Excess Liability
  • Business Automobile
  • Commercial Property
  • Professional Liability
  • Workers’ Compensation
  • Bonds
  • Ocean Cargo
  • Stand Liability

Our Program

We have represented Underwriter’s Lloyds London since 1985. We offer true worldwide coverage for your business.

We can tailor a program to fit your company’s individual needs. This is what we do best. We can customize a liability policy by writing split limits of coverage for your various exposures.

For example, if you are a display company and need $5 million in limits for displays, but only $1 million for 1.3g product sales, we can do that. This can curb excessive insurance costs. If you choose to carry $1 million on displays and have one or two shows that require $5 million, we offer excess liability on a “per show basis”. If you retail Class C and require one coverage limit in one state and a higher limit in another state, we can do that too.

We are your advocate

We have understood your business for 25 years. We are not just brokers, we are shooters and members of five pyrotechnic organizations. We do not just give you a premium quote, we take the time to understand your business. We will assist you with the applications and coverage choices. We will customize a program to fit your needs at a competitive price. We write manuscript endorsements to fit the needs of your clients – cities, municipalities and government – all inclusive. We are available 24/7, always.

Let our knowledge and experience work for you and your clients


From mock military training to air shows, indoor SPFX, anvil lifting, sporting events; we have you covered. Our programs have been designed specifically for your industry. We insure manufacturers, exporters, importers, Class C retailers, Class B wholesalers, display companies, SPFX companies, Ship Shows, Clubs and more.

Give us a try – see how competitive we can be.


Debbie Merlino

dmerlino@combinedspecialties.com
Toll Free: 866-893-9510
Phone: 415-209-0012
Fax: 415-209-0013



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Combined Specialties International, Inc :: 205 San Marin Drive, Suite 5 :: Novato, CA 94945