SPECIALTY RISK
Bar &
Hospitality
Liquor liability, assault & battery, and coverage for nightlife or late-night venues. Also protects against claims from patrons, employees, and incidents tied to on-premises operations.
Coastal or Wildfire Zone Properties
Properties in high-risk areas are often excluded by standard carriers.
We work with specialty markets that offer tailored coverage for wildfire-prone and coastal exposures. non-renewed.
High-Value Homes with Unique Risk
Protecting luxury homes requires more than a standard policy—custom features, high-value assets, and unique exposures demand tailored solutions. Our specialized coverage safeguards your property and lifestyle with confidence.
High MOD Workers
Comp
A high Experience Modification Rate (MOD) doesn’t mean you’re uninsurable.
We place workers comp policies for businesses with prior claims, audit issues, or loss history challenges.
Lapsed, Non-Renewed, or Canceled Coverage
Even with a coverage gap, you still have options.
We help secure new policies for properties or businesses that have been dropped, canceled, or non-renewed.
Vacant Commercial
Buildings
When a commercial property sits vacant, risks like vandalism, theft, and weather damage increase significantly. Our tailored coverage protects your investment during transition, renovation, or sale.
Cannabis & Regulated Industries
Operating in cannabis and other highly regulated sectors comes with strict compliance demands and elevated liability risks. Our specialized coverage helps protect your business while navigating this complex and evolving landscape.
Trade Credit
Insurance
Protects businesses from the risk of unpaid invoices by covering losses from customer insolvency or protracted default. This specialty coverage ensures your cash flow stays secure, enabling you to trade with confidence and extend credit without added risk.
International or Hard-to-
Place Operations
Global operations and hard-to-place risks demand expertise and customized solutions. We provide specialized coverage that addresses complex regulations and unique exposures, ensuring your business stays protected wherever it operates.
Unusual or Niche Manufacturing
Specialized manufacturing processes often carry unique risks that standard policies don’t cover. Our tailored solutions safeguard your equipment, products, and operations from unexpected disruptions.
Excess & Surplus
Lines
For risks outside the norm, whether in size, exposure, or claims history, E&S markets are essential. We broker directly with top wholesalers and underwriters in the surplus space.
Already Have Coverage?
We offer free, no-pressure policy reviews. Whether your business is growing or your risk has changed, we’ll help you evaluate what you have and identify what you might be missing.