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... the niche market-the insured-and must take every advantage of it. You know your insureds' coverage needs intimately and are in the 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 Pool & 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 and opportunities that go along with membership in an association that your insureds might appreciate. Q. Will the program be on admitted or nonadmitted paper? A. Most insurance company groups can offer their managing general agency either admitted or nonadmitted paper, based on ... and implement specialty niche insurance programs in both Personal and Commercial Lines: Specialty Program Q & A Q. What is the class of business and target market? A. A narrowly defined target market is crucial to understanding the type of risk. Some underwriters also call this the class of business. A short description of your niche will suffice. For instance, say you're interested in writing artisan and specialty contractors, security guards, general contractors that do residential construction, dwelling policies, or drivers with four accidents in the last three years. Q. What lines of insurance will be offered and 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 and specialty contractor. Retail producers ...