Program Overview
Commercial Sector Insurance Brokers specializes in 100% commercial lines and works with agents nationwide to find tailored solutions for hard-to-place business. We handle accounts from small risks to large layered placements and frequently provide positive alternatives where standard markets decline or price aggressively.
Ideal Accounts and Target Classes
We have particular appetite for accounts that need creative placement, including coastal and catastrophe-exposed risks. Target classes include:
We place mono-line or layered structures, coastal wind and earthquake covers, and specialty property or liability solutions for niche exposures.
Coverage Highlights and Advantages
We work with admitted and non-admitted carriers and can structure excess, layered, or mono-line placements as needed. Our options are intended to reduce coverage gaps and provide practical, marketable terms for complex accounts.
Underwriting Notes
- We prefer accounts with complete, well-documented submissions — current loss runs, schedules of values, and details on prior mitigation for coastal or vacant properties.
- We handle submissions that require layered excess or non-standard limits and can coordinate admitted and surplus lines placements.
- We partner with A-rated (or better) carriers and have in-house authority for select classes to accelerate binding when appropriate.
- We do not publish fixed minimum premiums here; premium levels vary by class, limits, and structure. Please submit detailed information for a tailored indication.
Territories and Availability
Available to agents across the United States. We place business in the following states: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. We work with both admitted and non-admitted options depending on the insured’s needs and state requirements.
Why Work With Commercial Sector Insurance Brokers
- Specialized 100% commercial-lines focus — experience placing complex property and liability risks.
- Access to admitted and surplus lines markets with A-rated or better capacity.
- Flexible placement options: mono-line, layered excess, coastal wind/earthquake, inland marine and more.
- Responsive underwriting and in-house authority for select classes to speed placement.
- Dedicated wholesale support for retail agents — strategic solutions rather than one-size-fits-all quotes.
Example scenarios
You might have a client with a coastal hotel that needs layered property limits and wind deductible buy-back options after being non-renewed in the standard market. We can evaluate layered structures and surplus options to maintain capacity and manage coastal exposure.
Or you may represent a manufacturer seeking products liability and pollution coverage due to unique operations. We can combine product liability with environmental forms and coordinate with admitted carriers to create a comprehensive program.
Contact one of our experienced team members to discuss specific submissions and learn how Commercial Sector Insurance Brokers can help you place the missing pieces for challenging commercial accounts.
Frequently Asked Questions
What types of accounts are the best fit for this program?
We focus on commercial risks that are difficult to place in standard markets — coastal cat-exposed properties, multifamily habitational risks, vacant buildings, manufacturers/distributors with product exposures, and layered placements requiring excess capacity.
Do you place admitted business, surplus lines, or both?
We place both admitted and non-admitted business. Our carrier panel includes A-rated (or better) admitted markets as well as surplus lines capacity for harder exposures or higher limits.
What submission information do you typically need?
Provide completed applications, current loss runs (typically 5 years if available), schedules of values for property, details on risk management or mitigation for coastal/vacant properties, and description of operations for liability accounts.
Can you handle layered excess or large limit placements?
Yes — we routinely structure layered excess programs and coordinate multiple carriers to assemble capacity for large or complex accounts.
Which states do you serve?
We work with agents across the United States and place business in the states listed in the storefront. Submission requirements and admitted vs. surplus options may vary by state.
Need help placing an account? Connect with a market specialist.