Ideal Accounts and Appetite
Our Brokerage Insurance program helps agents place specialty or hard-to-place commercial accounts across a variety of industries. We routinely place accounts that need Excess & Surplus (E&S) solutions, tailored terms, or access to specialty carriers.
Industrial / Manufacturing
- Manufacturers and roofers
- Machinery repair operations
- Auto parts manufacturers
- Railroad protective exposures
- Oil & gas contractors
- Products liability risks
Errors & Omissions
- Real estate and home appraisers
- Media liability
- Data breach / cyber risks
- Insurance agents E&O
- Allied health professionals
- Employment practices liability
- Technology professionals and consultants
- Property managers
Other Specialty Risks
- Drones / UAV operations
- Foreign liability placements
- Commercial umbrella layers
- Environmental exposures
- Public officials liability
- Large inland marine accounts
- Large property schedules
This list is illustrative, not exhaustive. Our Brokerage Team has access to additional specialty markets and will review complex accounts that don’t fit standard underwriting boxes. Whether your client is a manufacturer facing elevated product liability exposure or a tech consultant needing tailored E&O coverage, we can help identify a market solution.
Coverage Highlights and Advantages
We place coverage through a panel of A-rated (or better) non-admitted carriers, giving flexibility to structure policies for unique operations, prior losses, or high-risk exposures. Our E&S access lets us pursue terms that admitted markets may decline or restrict.
Representative placements include:
- Multi-state roofing manufacturer with elevated product liability exposure
- Drone services provider needing specialized UAV liability coverage
- Real estate appraiser with prior E&O claims requiring tailored protection
Underwriting Notes
Each submission is evaluated by our Brokerage underwriters to determine the best market fit and structure. We’ll work with you to gather the right documentation and present the risk effectively to carriers.
Typical submission items include a completed application, recent loss runs (when applicable), and a detailed description of operations. Minimum premiums vary by class and carrier—contact us with risk details for a quick assessment.
Territories and Availability
Brokerage Insurance coverage is available in the following states: AL, AR, GA, IL, IN, IA, KS, KY, MI, MS, MO, NE, NC, OH, OK, PA, SC, TN, VA, WV, and WI.
All placements are made on a non-admitted basis through our network of trusted E&S carriers.
Why Work With J.M. Wilson?
Founded in 1920, J.M. Wilson is a family-owned Managing General Agency with a long history of underwriting expertise and personalized service. Our Brokerage Team is trained to handle difficult classes and complex accounts that demand deeper market knowledge and carrier relationships.
We deliver responsive service, clear communication, and access to a broad array of specialty carriers. When a client doesn’t fit the standard market, J.M. Wilson provides the technical underwriting and market reach to pursue a placement.
Frequently Asked Questions
What types of accounts are a good fit for J.M. Wilson's Brokerage Insurance program?
Accounts with complex operations, significant exposures, or those that don’t qualify for standard markets—such as manufacturers, consultants, drone operators, or real estate professionals—are a strong fit for this program.
Is this program available on an admitted basis?
No. Coverage is placed with A-rated non-admitted carriers through the Excess & Surplus market.
What information is needed to get a quote?
Submission needs vary by class but typically include a completed application, loss runs (if applicable), and a detailed description of operations. Our Brokerage Team will advise on specific requirements.
Can you help with risks that have prior claims or coverage gaps?
Yes. Our Brokerage Team specializes in tough-to-place risks, including those with prior losses or challenging underwriting histories.
In which states is the program available?
This program is available in AL, AR, GA, IL, IN, IA, KS, KY, MI, MS, MO, NE, NC, OH, OK, PA, SC, TN, VA, WV, and WI.
Need help placing an account? Connect with a market specialist.