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... best position to craft a specialty policy to meet them. Associations are another area that has produced many successful specialty programs. Here you have a group of homogenous insureds with similar insurance needs: Your niche. There's an association for anything imaginable, whether it's the Independent <span class='cm-highlight'>Poolspan> & Spa Service Association or the U.S. Personal Chef Association. If there's not an association, start one for your homogenous insureds. There are benefits <span class='cm-highlight'>andspan> opportunities that go along with membership in an association that your insureds might appreciate. Q. Will the program ... on admitted or nonadmitted paper? A. Most insurance company groups can offer their managing general agency either admitted or nonadmitted paper, based on the type of risk. The drawback of an admitted program is that the filing is public <span class='cm-highlight'>andspan> the details of your program will be in the h<span class='cm-highlight'>andspan>s of your competitors in a very short time. Going the nonadmitted route gives you rate <span class='cm-highlight'>andspan> form flexibility, which can be advantageous at the outset of a new program. Many start-up niche insurance programs had their birth in the Surplus Lines market. ... three years. Q. What lines of insurance will be offered <span class='cm-highlight'>andspan> at what limits? A. The approach here would be to state that you are interested in writing the Professional Liability for a home inspector or the General Liability for an artisan <span class='cm-highlight'>andspan> specialty contractor. Retail producers should pay careful attention to the line of business <span class='cm-highlight'>andspan> type of coverage required. Also of significance is the amount of the policy limits. Policy limits obviously will vary by class of business. It might be $1 million combined single limit for an independent ...