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Halcyon Underwriters
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Halcyon Underwriters
Contact Us
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Small Business Insurance

Accounts under $20,000 Annual Premium

Halcyon Underwriters’ Small Business Insurance program is designed to help agents and brokers efficiently place accounts with annual premiums under $20,000. We provide access to top-tier admitted carriers across a wide range of industries and lines of business, making us a strong partner for your smaller commercial risks.

Ideal Accounts and Appetite

Our Small Business Unit specializes in accounts that may fall below standard underwriting thresholds but still require quality coverage. We serve a wide variety of classes, including:

  • Retail stores and restaurants
  • Medical and family counseling offices
  • Insurance and real estate agencies
  • Contractors (residential, concrete, cabinet shops)
  • Homeowners associations
  • Lessors risk and commercial property owners

You might have a client operating a retail shop with limited payroll and property values, or a counseling office looking for a comprehensive BOP solution — both are great fits for our program.

Coverage Highlights and Carrier Access

Our markets allow us to handle a wide range of coverages, including:

  • Business Owners Policies (BOP)
  • General Liability and Package Policies
  • Inland Marine (e.g., contractor equipment)
  • Umbrella / Excess Liability
  • Directors & Officers (D&O)
  • Workers' Compensation

We partner with top admitted carriers such as Chubb, The Hartford, Travelers, Nationwide, Liberty Mutual, USLI, and more. Our markets for monoline workers’ compensation include Amerisafe, AmTrust, Employers, Guard, ICW, Markel, and Zenith. We also offer binding authority relationships with ACE, Arch, and USLI, enabling faster turnaround times for certain risks.

Underwriting Notes and Minimum Premiums

This program is targeted for accounts with annual premiums under $20,000, with a practical minimum premium starting around $10,000. We focus on efficiently quoting and binding small business risks that may be overlooked by larger-market underwriters. Our team understands the nuances of small commercial business and works to provide responsive, agent-friendly service.

Territories and Availability

Halcyon’s Small Business Insurance program is available in all 50 states, plus Washington D.C. Our broad geographic reach allows you to place small accounts nationwide with confidence.

Why Work With Halcyon Underwriters?

As a wholesale broker with deep carrier relationships and underwriting expertise, Halcyon Underwriters is uniquely positioned to help agents and brokers grow their small business book. Whether you need help placing a single BOP or solving for a niche coverage need like D&O or inland marine, our team is here to support you.

For more information, contact Jason Mata at [email protected].

We encourage you to visit our website at www.halcyonuw.com to learn more about what our company can offer to meet your insurance needs.

Frequently Asked Questions

What types of accounts are a good fit for the Halcyon Small Business Insurance program?

This program is ideal for retail stores, offices, contractors, restaurants, and other small businesses with annual premiums under $20,000.

Which carriers does Halcyon Underwriters work with for this program?

We offer access to admitted markets such as Chubb, The Hartford, Travelers, Nationwide, Liberty Mutual, USLI, and monoline workers’ comp carriers like Amerisafe, AmTrust, and Employers.

What is the minimum premium for accounts in this program?

The minimum premium generally starts at $10,000, depending on the type of business and coverage needs.

Can I use this program to place accounts in any state?

Yes, the program is available nationwide in all 50 states and Washington D.C.

Does Halcyon offer binding authority for any carriers?

Yes, we have binding authority with select carriers such as ACE, Arch, and USLI, which helps speed up quoting and binding for eligible risks.

Need help placing an account? Connect with a market specialist.

U.S. States Available

  • U.S. States Available:
  • US Territories:
    Guam, Puerto Rico, Virgin Islands
  • Provider Type:
    Wholesale Broker
  • Admitted:
    All Available States
  • Carriers:
  • Carrier Ratings:
    A- or above
  • Commission:
    Varies
  • Min Premium:
    $10,000

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