Comprehensive Property/Commercial Insurance Solutions in Texas
Ashley General Agency offers a flexible and competitive Property/Commercial Insurance program specifically designed for difficult-to-place and specialty risks in Texas. As a Managing General Agency with access to various markets, we provide insurance professionals with tailored solutions for a wide range of commercial property exposures. Whether your client is a new venture, has prior losses, or owns properties with unique characteristics, we can help you secure the right coverage through our non-admitted markets.
Ideal Accounts and Target Classes
This program is designed to accommodate both standard and non-standard commercial property risks. We have a strong appetite for:
- Habitational: Garden-style and midrise apartments, mixed-use buildings, rental dwelling schedules, hotels, and motels.
- Real Estate: Office buildings, retail shopping centers, restaurants, warehouses, and vacant properties.
- Challenging Risks: Chapter 11, Debtor in Possession, Forced Placed properties, and undervalued properties.
- Specialty Classes: Bars and restaurants, manufacturing facilities, properties with aluminum wiring, and accounts with prior large losses.
- New Ventures: Start-up businesses and first-time property investors are welcome.
This program is ideal for agents who are working with clients who may not qualify for standard markets due to property condition, financial history, or occupancy issues.
Coverage Highlights and Advantages
Our Property/Commercial Insurance program offers flexible coverage terms and underwriting tailored to complex or distressed properties. Because we work with a range of carriers, we can customize solutions to fit your client’s needs. Typical coverage options include building, contents, business income, and liability components, depending on the risk profile.
Example scenarios that fit well within our appetite:
- A vacant retail building being renovated for future tenants.
- A property investor acquiring a portfolio of rental dwellings with deferred maintenance issues.
- A restaurant re-opening under new ownership with updated safety controls.
Underwriting Notes and Minimum Premiums
This is a non-admitted program available in Texas only. The minimum premium starts at $500, making it accessible for small to mid-sized accounts. We welcome submissions with prior losses or complex underwriting narratives and evaluate each risk on its individual merits. Our underwriters are experienced in handling distressed or unusual risks quickly and efficiently.
Territories and Availability
This Property/Commercial Insurance program is currently available exclusively in Texas. We actively seek submissions from agents and brokers throughout the state who are looking for a reliable partner to place challenging property risks.
Why Work With Ashley General Agency?
With deep knowledge of the Texas property insurance market and access to a wide range of carriers, Ashley General Agency is your go-to MGA for non-standard and specialty commercial risks. Our team provides fast turnaround, responsive service, and a flexible underwriting approach to help you close more business and support your commercial clients effectively.