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 ≤ $6M
  • 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
• Waiver of Subrogation
• Pollution Liability
• Assault & Battery
• Inland Marine

Please note: classes and coverages may vary by carrier.

• Premiums under $2,500 per insured
• Sales/Revenue ≤ $250,000 per insured
• Payroll ≤ $100,000 per insured
• 1-2 locations
• No prior claims

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

• Artisan contractors
• Lessors’ risk only
• Offices
• Retail
• Vacant buildings & land
• 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
• Ordinance or Law
• 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

• $1M EL limits available
• Coverage in all 50 states
• Owner only policies available
• Height / depth risk considered
• Up to 25% schedule credit for main street business with Workers’ Comp experience

Please note: classes and coverages may vary by carrier.

 DOWNLOAD WORKERS’ COMP APPETITE SHEET

With hundreds of classes to choose from, our core industries include: 

• New Ventures
  • • Quotes provided in less than 24 hours
• Construction trades and roofers
  • • $1,000 minimum premium
• Trucking (long haul, loading/unloading, new venture and existing)
  • • Long haul
    • Loading / unloading
    • New venture
    • Existing
• Healthcare businesses
• • • Nursing homes
    • Assisted living
    • Home health
    • Hospice
    • Hospitals
    • Doctor offices
    • Professional healthcare staffing