Our robust appetite will have you writing more E&S and specialty risks in less time

• $500 minimum premium
• $1M/$2M maximum limits of liability
• Maximum exposure thresholds
  • Sales/Revenue ≤ $5M
  • Payroll ≤ $4M per class
  • Area ≤ 100,000 square feet per location
  • Cost ≤ $5M
  • Units ≤ 250 per policy
• $0 deductibles for some classes
• Claims threshold ≤ 3 claims and aggregate claims of $10,000

• Additional Insured
• Designated Construction Project(s) General Aggregate
• Designated Location(s) General Aggregate
• Employee Benefits Liability
• Primary and Non-Contributory Coverage
• Pollution Liability
• Assault & Battery
• Inland Marine

Please note: classes and coverages may vary by carrier.

With hundreds of class codes to choose from, view
our searchable listing for our most current offering that
includes:

• Artisan contractors
• Lessors’ risk only
• Offices
• Retail
• Vacant buildings & land
• Habitational
• Day care centers
• Truckers
• Tattoo parlors
• Security & patrol agencies
• Real estate managers

• Up to $2.5M maximum total insured value
• $500 minimum premium
• Coverage for catastrophe-exposed perils available
• Wind/Hail available for coastal properties

Our wide selection of optional coverages include:

• Equipment Breakdown
• Extended Coverage
• Outside Signs
• Spoilage

Please note: classes and coverages may vary by carrier.

Include but not limited to:

• Habitational
• Hospitality
• Manufacturing
• Mercantile & Retail
• Lessors’ Risk (LRO)
• Restaurants
• Warehouses & Vacant Buildings

Risks with the following characteristics are ineligible: 

• Properties undergoing structural renovations
• Locations that have been vacant for more than 3 consecutive years
• Properties scheduled for demolition
• Properties with prior and/or existing damage
• Risks with more than 3 claims within the previous 3 years
• Risks with more than $25,000 total incurred during the previous 3 years

• Up to $5M in Excess limits
• Supported & unsupported
• Minimum attachment limits
  • General Liability $1M/$2M
  • Auto Liability $1M combined single limits
  • Employer’s Liability $500K/$500K/$500K
  • Employee Benefits Liability $1M/$1M
• Up to $2.5M in total payroll or $5M in sales
• Ability to consider up to 100% subcontracted work
• Ability to perform exterior work on 3 stories or less
• Both Residential and Commercial work can be considered

• Lead Excess
• Sales/Revenue ≤ $250,000 per insured
• Payroll ≤ $100,000 per insured
• Sole proprietors, 1-4 employees
• No prior claims

• Air Conditioning Systems or Equipment
• Carpentry
• Debris Removal – Construction Site
• Electrical Work
• Excavation
• Floor Waxing
• General Contractors
• Janitorial Services
• Landscaping
• Masonry
• Painting
• Plumbing
• Drywall or Wallboard installation

  DOWNLOAD EXCESS LIABILITY APPETITE SHEET

• Broad appetite for underserved classes
• Strong underwriting with national and regional expertise
• 300+ classes available for quoting
• New ventures considered
• Multi-state capabilities
• Superior claims and loss control services
• Flexible payment options and billing plans
• Coverage available in most states
• $1M Employers Liability limits available
• Owner only policies available
• Height / depth risks considered

Please note: classes and coverages may vary by carrier.

 DOWNLOAD WORKERS’ COMP APPETITE SHEET

• Accommodations
• Artisan Trade Contractors
• Automotive Services and Dealers
• Auto Recycling / Salvage
• Camps
• Chemical Blending
• Clubs
• Educational Services
• Entertainment / Arts
• Farming
• Food Services
• Gun Ranges
• Health Care including Home Health and Skilled Care Facilities
• Heavy Construction
• Hospitality
• Landscaping
• Last Mile Delivery* (Requires 2+ years in business)
• Livestock Raising / Dealer
• Manufacturing
• Pallet Box Manufacturing
• Professional Services
• Recreation / Leisure
• Restaurants / Taverns / Night Clubs
• Retail / Wholesale Stores
• Schools
• Social Services
• Towing
• Transportation
• Trucking
• Warehouse

• $3MM capacity
• 1st & 3rd party coverages
• Ransomware
• Breach response
• Cyber crime
• Business income
• Hundreds of available classes

Revenues up to $100MM

 DOWNLOAD CYBER APPETITE SHEET

• Crypto
• Cannabis
• Casino / gaming
• Foreign companies
• Payment processors
• Data storage / server provider

Please note: classes and coverages may vary by carrier

• Automobile Liability
• Motor Truck Cargo
• General Liability
• Auto Physical Damage
• Truckers For Hire
• Local, Intermediate & Long Haul
• 1-10 power units
• Package policies or standalone
• Non-Trucking Liability
• New Ventures

• Dry Van
• Reefer
• Flatbed Operations
• Auto Haulers
• Intermodal with UIIA endorsement

• Admitted Auto Liability: GA, FL, IL, NC, NV, NC, OH, SC, WI
• Non-Admitted Auto Liability: AL, AZ, AR, CA, CO, DE, ID, IA, IN, ME, MD, MI, MN, MO, MS, MT, NE, NH, NJ, ND, OH, OK, OR, RI, PA, SD, TN, TX, UT, VA, VT, WV

• Trailer Interchange
• Primary Non-Contributory
• Waiver of Subrogation

• Tractors & trailers must be newer than 20 years old
• Drivers age 23-73 with no violations
• 2 years minimum driving experience with like vehicle
• No prior claims
• New ventures are eligible

 DOWNLOAD TRUCKERS COVERAGE SHEET

• Ambulance, EMT & Mobile Blood Banks
• Armored Cars, Arms, Ammunition & Fireworks
• Automobile Dismantlers
• Boat Haulers
• Boom Trucks
• Brokerage
• Cannabis Haulers
• Carnivals & Circus
• Cement Mixers & Pumpers
• Coal Haulers Contractors,
• Contractor Equipment & Mobile Equipment
• Cotton Haulers
• Courier Services, Magazines, News Delivery, Parcel & Film Delivery
• Drive Away & Transporter Plates
• Driving Schools
• Dump Trucks
• Fast Food Delivery & Restaurant Take-Out Delivery
• Final Delivery
• Freight Brokerage
• Garbage/ Refuse
• Hazmat, Nuclear & Biological
• Household Good Movers
• Livestock Transporters
• Logging Operations
• Milk Haulers
• Mobile Cranes & Vehicles With Buckets
• Mobile Home Toters & Building Movers
• Municipal
• Operating Outside of US
• Operations Using Double / Triple Trailers
• Oversized / Overweight Haulers
• Owned Units, Rented or Leased To Others
• Private Passenger Vehicles
• Public Livery: Buses, Taxis, Black Car, Rideshare, Shuttle, Day Care & Church
• Rental Leasing & Demo Vehicles
• Salvage & Scrap Metal
• Sand & Gravel Egg Haulers
• Steel Dealers
• Tankers Hauling Flammable Liquids
• Towing Repossession
• Vendor Trucks