California MGA and Surplus Lines Brokerage Program
Cambridge General Agency offers California insurance agents access to a wide range of Property & Casualty markets through our MGA and Surplus Lines Brokerage program. As a wholesale broker, we specialize in placing hard-to-place and unique risks across California. Whether you're working with standard or non-standard accounts, we can help you find solutions that fit your clients' needs.
We have direct appointments with 12 major insurance carriers, all rated ‘A’ or better, and maintain broker relationships with an additional 25 companies. Plus, we have access to 9 more carriers through our internal network—giving you a broad and flexible market reach for your California-based accounts.
Ideal Accounts and Appetite
Our program is designed for independent agents and brokers looking to place both standard and specialty risks. We welcome accounts that may be declined by standard markets, such as:
- Businesses with prior claims or high-risk operations
- Startups or new ventures without track records
- Properties with unusual construction or protection class issues
- High-hazard liability exposures
For example, you might have a client with a mixed-use commercial property that includes retail, office, and residential units—this type of account may not fit in standard markets, but we can help find a home for it.
Coverage Highlights and Advantages
We can assist with nearly all P&C lines, including:
- General Liability
- Property (including vacant, coastal, or high-value)
- Commercial Auto
- Excess & Umbrella
- Contractors and Construction Risks
- Professional Liability and more
With both admitted and non-admitted markets at our disposal, we can navigate complex underwriting requirements and offer flexible solutions for your most challenging California risks.
Underwriting Notes
Each submission is evaluated on its own merits. We work closely with our carrier partners to assess risk and tailor coverage solutions. While minimum premiums vary by carrier and class, we strive to find competitive options even for smaller or distressed accounts.
Territories and Availability
This program is available exclusively in California. Our deep understanding of the state’s regulatory landscape and market conditions allows us to provide fast, local expertise to help you move business efficiently.
Why Work With Cambridge General Agency?
Cambridge General Agency brings you decades of experience in surplus lines and MGA placements. Our broad market access, responsive underwriting team, and willingness to take on unique or tough risks make us a valuable partner for California agents and brokers. Whether you're placing routine business or something outside the box, we’re here to help you get it done.
Frequently Asked Questions
What types of accounts are a good fit for this program?
We specialize in both standard and hard-to-place P&C risks in California, including properties with prior losses, businesses with complex liability exposures, and unusual or specialty classes.
Can you help with admitted and non-admitted placements?
Yes. Our program includes access to both admitted and non-admitted markets, allowing us to tailor coverage to the specific needs of your client.
What lines of coverage are available through this program?
We can help you place General Liability, Property, Excess & Umbrella, Commercial Auto, Professional Liability, and more, depending on the risk profile.
Is this program available outside California?
No. This program is focused exclusively on risks located in California.
What information is required to submit a risk?
Submission requirements vary by class, but typically include a completed application, loss runs, and any relevant supplemental forms. Our team can guide you through the process.
Need help placing an account? Connect with a market specialist.