About VELT
Strategic insurance solutions designed for businesses navigating real world risk.
Who We Are
VELT Insurance Agency was founded to bring clarity, strategy, and confidence to commercial insurance decisions.
We work with business owners, operators, and investors navigating complex, evolving risk helping them structure coverage that supports growth, protects capital, and adapts as their operations scale.
Our approach goes beyond policy placement. We focus on understanding how your business actually operates, identifying where risk lives, and accessing both admitted and Excess & Surplus markets to deliver solutions that fit real-world exposure not generic templates.
Whether you’re managing construction projects, commercial property, specialty operations, or hard-to-place risk, VELT serves as a long-term insurance partner built to support each stage of your business.
Insurance should work as a strategic asset not a necessary frustration. That’s the standard VELT is built on.
SMART PROTECTION FOR REAL-WORLD RISK
We don’t just place policies, we design insurance strategies. At VELT, every engagement begins with understanding how your business operates, where risk actually lives, and how coverage should perform when it matters most.
From core commercial lines to complex specialty risk, we leverage both admitted and Excess & Surplus markets to deliver solutions built on expertise, transparency, and long-term partnership.
Why Businesses Choose VELT
✓ Industry Expertise
Deep experience across complex, high-risk, and non-standard markets, including admitted and Excess & Surplus placements.
✓ Tailored Coverage
Insurance strategies built around how your business actually operates—not off-the-shelf policies or generic templates.
✓ Partnership First
Clear guidance, direct communication, and a long-term approach focused on protecting growth—not just closing transactions.
✓ Market Access
Strong wholesale and carrier relationships that open doors when standard markets fall short.
Built for Businesses That Move Forward
We help business leaders protect their work, their teams, and their future
with confidence.
We operate as a long-term insurance partner, delivering clear guidance and coverage strategies that evolve with your business.
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Commercial Coverage
General Liability
Commercial Property
Workers’ Compensation
Business Owner Policies (BOP)
Commercial Auto & Fleet
Professional Liability (E&O)
Directors & Officers (D&O)
Employment Practices Liability (EPLI)
Cyber Liability
Umbrella & Excess Liability
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Specialty Risk
Bar & Hospitality Operations
Coastal & Wildfire Zone Properties
Lapsed, Non Renewed, or Canceled Risks
High MOD Workers’ Compensation
Vacant Commercial Buildings
Cannabis & Regulated Industries
Unusual or Niche Manufacturing
Excess & Surplus Lines Access
Hard to Place or Distressed Risks
Trade Credit Insurance
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Construction & Real Estate
Builder’s Risk
Artisan & Specialty Trades
Property Owners
Commercial Property
Vacant Property Coverage
Rental Portfolios
Real Estate Flip & Hold
General & Excess Liability
Equipment Coverage
“VELT Insurance Agency was built to solve a problem we saw too often: complex businesses being forced into generic coverage. We created a brokerage designed to go deeper into risk, access broader markets, and deliver solutions that reflect how businesses actually operate, not how templates are written.”
- Benny Bontempo, Founder