At Commercial Sector Insurance Brokers, we help independent agents and brokers place commercial general liability risks that are difficult to place in standard markets. With access to 15+ carrier partners and flexible admitted and non-admitted solutions in many states, we offer realistic alternatives for contractors, property owners, manufacturers, importers, and other commercial accounts.
Ideal Accounts and Appetite
We write a broad range of commercial risks, including accounts that have been declined elsewhere. Our appetite includes construction and trade contractors, small to mid-size commercial property owners, hospitality operations, manufacturers and distributors, and importers. We consider accounts with prior losses on a case-by-case basis.
Target Classes Include:
- Roofing Contractors
- Excavation & Road Contractors
- Artisan Contractors
- Apartments and Condominiums
- Hotels and Motels
- Manufacturers and Distributors
- Importers
Example accounts that fit this program: a roofing contractor who performs both residential and commercial work with a moderate loss history, or the owner of a small apartment complex seeking primary GL coverage after being non-renewed by a standard market. In both cases, we can help you present a complete submission and access carriers experienced with those exposures.
Coverage Highlights and Advantages
Our carriers offer flexible liability solutions, including primary commercial general liability, excess liability layers, and tailored forms for hard-to-insure operations. Many markets we access have niche underwriting expertise—helpful for construction operations, habitational exposures, and manufacturing/import risks. We focus on putting forward workable coverage options rather than one-size-fits-all quotes.
Underwriting Notes and Minimum Premium
Minimum premiums typically start at $5,000, though final minimums vary by class, location, and loss history. We underwrite with practical expectations—accounts with prior claims or challenging operations are considered when the risk profile is clearly documented. To improve placement chances, submit complete applications with current loss runs, detailed operations descriptions, payroll and revenue breakdowns, and any risk control information.
Territories and Availability
This program is available in most states. We currently place business in more than 40 states, including CA, FL, TX, NY and many others. Both admitted and non-admitted options are available depending on the state and the nature of the risk.
Why Work With Commercial Sector Insurance Brokers?
As an experienced Excess & Surplus Lines broker, Commercial Sector Insurance Brokers gives you access to markets many retail agents cannot reach directly. We focus on providing responsive underwriting guidance, practical placement strategies, and competitive alternatives so you can win and retain accounts that standard carriers turn away.
Please call today for more information.