Commercial Lines

Broad appetite for commercial risks

The Commercial Lines program is built to help you place a wide range of business accounts — from straightforward commercial property to more specialized or difficult-to-place exposures. Van Wagoner places accounts in both admitted and non-admitted markets when appropriate and works with appointed agents to find the best carrier fit.

Target classes include:

• Apartment Houses – building, contents, inland marine, and liability
• Cargo – truck, air, or marine transit risks
• Commercial Packages – adaptable to most business classes
• Commercial Property – broad class acceptance
• Contractors Liability – multiple contractor classes
• Gas Stations and Convenience Stores
• General Liability – premises, products, and completed operations
• Greenhouses and Garden Centers
• Grocery Stores
• High-valued Automobiles – physical damage coverage
• Hotels and Motels
• Office Buildings
• Restaurants and Bars
• Shopping Centers and Malls
• Vacant Commercial Properties

Coverage highlights and advantages

Van Wagoner’s Commercial Lines program offers flexible coverages and structure to address the exposures your clients face. Key coverages include:

• Commercial Property — building, contents, and business interruption
• General Liability — premises, products and completed operations
• Inland Marine — contractor equipment, mobile property, and transit limits
• Physical Damage — coverage options for high-valued private automobiles

The program is positioned to provide broad protection for hospitality, retail, construction, property owners, and other commercial operations where admitted or surplus capacity is required.

Underwriting approach

Van Wagoner underwrites through appointed agents, reviewing submissions to match accounts to the most appropriate carrier within their panel. While the appetite is broad, underwriters evaluate accounts based on class, location, exposures, loss history, and risk controls. The program accepts both admitted and non-admitted placements depending on the state and the risk.

There is no published minimum premium, allowing flexibility across a range of account sizes.

Available states

This program is available to agents and brokers in the following states:

• Arizona (AZ)
• Arkansas (AR)
• California (CA)
• Connecticut (CT)
• Delaware (DE)
• Idaho (ID)
• Iowa (IA)
• Nevada (NV)
• New Mexico (NM)
• Oklahoma (OK)
• Pennsylvania (PA)
• Texas (TX)
• Utah (UT)
• Wyoming (WY)

Why work with Van Wagoner Companies

With decades of surplus-lines experience and deep underwriting relationships — including Lloyd’s and Markel International — Van Wagoner helps agents place complex and unusual commercial risks. The team emphasizes responsive service, practical underwriting guidance, and the ability to structure admitted or non-admitted options where appropriate.

Example fits you may bring to this program:

• A mid-size apartment owner needing a combined property/liability package with inland marine for contents in a secondary market.
• A contractor with specialized equipment and a recent loss history who needs tailored inland marine and liability solutions through surplus markets.

If you have a hard-to-place commercial account or need a surplus-lines solution, Van Wagoner can evaluate submissions and help secure the appropriate market placement. Need help placing an account? Connect with a market specialist.

Frequently Asked Questions

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