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Auto Repair Shops/Garages Insurance Coverages: Garage Keepers Legal Liability Garage Liability Overview of the Program From Abram Interstate Insurance Services, Inc. Abram Interstate Insurance Services, Inc. offers a specialized Auto Repair Shops/Garages Insurance program designed to help agents place coverage for clients operating in the automotive service industry. As a Managing General Agency (MGA) with access to a range of non-admitted markets, Abram Interstate provides flexible solutions to address the unique liability exposures faced by garage and auto repair operations. Ideal Accounts and Appetite This program is an excellent fit for a wide range of businesses within the automotive repair and service sector, including: Independent auto repair shops Brake and muffler shops Transmission specialists Auto body and paint shops Detailing and customization shops Whether your client is a small family-owned garage or a mid-size repair business with several bays, you can find a home for their account through this program. The underwriting team understands the operations and risks associated with these classes, making it easier for you to place coverage efficiently. Coverage Highlights and Advantages The program includes two essential coverages for garage operations: Garage Liability: Protects against claims arising from operations, premises, and auto-related activities. Garage Keepers Legal Liability: Provides protection for customers’ vehicles left in the care, custody, or control of the business. These coverages are tailored to address common exposures such as property damage during test drives, accidental damage to customer vehicles while on the premises, and slip-and-fall incidents in the shop area. Underwriting Notes and Minimum Premiums Minimum premiums vary based on the risk profile, location, and size of the operation. Abram Interstate works with various carriers to help tailor quotes that match your client’s needs. Submissions with complete applications, loss runs, and business descriptions will receive faster consideration. Territories and Availability This program is available to agents and brokers with clients in California (CA), Arizona (AZ), and Nevada (NV). All offerings are placed on a non-admitted basis, allowing more flexibility in underwriting and pricing for unique risks. Why Work With Abram Interstate Insurance Services, Inc.? With a strong focus on specialty commercial lines and deep experience in niche markets, Abram Interstate is a valuable partner for agents looking to place hard-to-place garage and auto service risks. Their team offers responsive service, competitive market access, and a streamlined submission process to help you secure coverage quickly and confidently. Whether you have a client opening a new auto repair shop or an established garage with a growing customer base, Abram Interstate can help you deliver the right coverage package. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include independent auto repair shops, brake and tire centers, transmission specialists, and auto body shops located in CA, AZ, or NV. Is this program available on an admitted basis?No, this program is available on a non-admitted basis only, allowing more flexibility in underwriting and pricing. What are the key coverages included?The program includes Garage Liability and Garage Keepers Legal Liability to protect against both operational and customer vehicle exposures. Do you require loss runs or other documentation for a quote?Yes, complete submissions including loss runs, a detailed business description, and any prior coverage information help speed up the quoting process. Can I submit risks located outside of CA, AZ, or NV?No, currently this program is only available for risks located in California, Arizona, and Nevada. Need help placing an account? Connect with a market specialist.

Stop Gap Insurance Program from International Excess Program Managers International Excess Program Managers offers a flexible and competitive Stop Gap Insurance Program designed to help agents and brokers place difficult-to-cover risks in states where Workers' Compensation does not provide employer liability coverage. This program is especially useful in monopolistic states like Ohio, where employers need standalone stop gap coverage to protect against workplace injury lawsuits not covered under standard policies. Ideal Accounts and Target Classes This program is a great fit for a wide range of businesses operating in Ohio that must meet employer liability requirements. Ideal accounts include: Manufacturers with multiple employees and physical operations Contractors and construction-related businesses Healthcare facilities and senior care providers Retailers and wholesale distributors Other businesses with employee exposures in monopolistic states If you have a client operating a mid-sized manufacturing facility in Ohio or a contractor with field crews, this Stop Gap solution can help them meet compliance needs and mitigate employer liability exposure. Coverage Highlights and Advantages Minimum premiums starting as low as $750 Multiple limit options available: $300,000, $500,000, and $1,000,000 Zero deductible for easier claims handling This program is tailored to help agents provide their insureds with access to broad, standalone stop gap liability protection, especially in states where workers’ compensation policies exclude this coverage. Underwriting Notes and Minimum Premiums With minimum premiums starting at $750, this program is competitively priced for small to mid-sized employers. Underwriting is handled by experienced professionals who understand the exposures unique to monopolistic states and employer liability needs. The program is backed by various carriers, giving you flexibility and options during the quoting process. Territories and Availability This Stop Gap Insurance Program is currently available in Ohio and may be expanded to additional states. The program is admitted in most available states, providing a reliable and compliant solution for your clients. Why Work With International Excess Program Managers As a trusted Managing General Agency, International Excess Program Managers brings niche program expertise, excellent market access, and responsive service. They understand the unique needs of agents placing business in monopolistic states and provide efficient, reliable support from submission to policy issuance. Whether you're looking to place a single account or add stop gap to a broader package, their team can help you find the right fit for your client’s needs. Click here to read more about this program Are you interested in becoming an agent for this program? Click here. Frequently Asked Questions What types of accounts are a good fit for this Stop Gap Insurance Program?This program is ideal for employers in monopolistic states like Ohio, including manufacturers, contractors, healthcare providers, and other businesses with employee exposures. Which states is this program currently available in?The Stop Gap Insurance Program is currently available in Ohio and may expand to other states as needed. What are the available coverage limits?Limit options include $300,000, $500,000, and $1,000,000, giving agents flexibility to tailor coverage to each client’s needs. Is there a deductible with this program?No, this program offers a zero deductible, making it easier for insureds to manage claims. How do I get appointed to offer this program?You can begin the appointment process by registering through the provided agent registration link on this page. Need help placing an account? Connect with a market specialist.

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Contractors-Artisan Insurance Overview of the Program from Abram Interstate Insurance Services, Inc. Abram Interstate Insurance Services, Inc. offers a flexible and accessible Contractors-Artisan Insurance program designed to help independent agents place business for small to mid-sized artisan contractors. As a Managing General Agency with access to various carriers, Abram Interstate specializes in tough-to-place and non-admitted markets. This program is available in Arizona and California and is ideal for agents seeking reliable coverage options for their contracting clients working in residential and light commercial trades. Ideal Accounts and Appetite This program is best suited for artisan contractors such as: Carpenters Electricians Plumbers Painters HVAC technicians Flooring installers Whether your client is a solo operator or a small crew-based business, this market is designed to accommodate common contractor risks. Accounts with a solid safety history and standard operations are more likely to be a good fit. Coverage Highlights and Advantages The Contractors-Artisan Insurance program through Abram Interstate includes essential coverages that help protect your clients from the most common risks associated with construction and trade work: Equipment – Protects valuable tools and machinery from theft or damage. General Liability – Covers third-party bodily injury and property damage claims, a must-have for licensed contractors. Property – Covers buildings, offices, or storage units owned by the contractor, when applicable. Coverage can be tailored depending on your client’s trade, operations, and risk profile. Abram Interstate works with multiple markets to find suitable options for contractors needing flexible solutions in the non-admitted space. Underwriting Notes and Minimum Premiums Minimum premiums vary depending on the type of contractor, location, and coverage limits selected. As a non-admitted program, underwriting flexibility is available for accounts that may not qualify for standard markets. Agents should be prepared to submit detailed information on operations, experience, and prior losses to receive competitive terms. Example accounts that typically fit include: A licensed plumber with a few employees doing residential service work in California. A self-employed handyman in Arizona needing basic general liability and tool coverage. Territories and Availability This program is currently available in Arizona and California. Abram Interstate understands the specific needs and regulatory landscape of contractors in these states and can help agents navigate the placement process efficiently. Why Work With Abram Interstate Insurance Services, Inc. As a trusted Managing General Agency with deep roots in the western states, Abram Interstate brings specialized underwriting knowledge and access to a range of non-admitted markets. Agents benefit from fast turnaround times, experienced staff, and a broad appetite for artisan contractors who may not qualify for admitted carriers. Whether you're working with new ventures or established contractors with unique needs, Abram Interstate can help you deliver practical coverage solutions. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for small to mid-sized artisan contractors such as electricians, plumbers, painters, carpenters, and HVAC professionals operating in Arizona or California. Is this program available on an admitted basis?No, this is a non-admitted program. It offers flexibility for accounts that may not qualify for admitted markets. What information is needed to get a quote?Agents should provide details about the contractor's operations, number of employees, years in business, revenue, and any prior loss history for accurate underwriting and quoting. Can new ventures qualify for this program?Yes, new ventures are considered. However, underwriting will review experience in the trade and other risk factors. What is the minimum premium for this program?Minimum premiums vary depending on the class of business and coverage needs. Contact the underwriting team at Abram Interstate for specific details. Need help placing an account? Connect with a market specialist.

Apartment Building Owners Insurance Overview of the Program From Abram Interstate Insurance Services Abram Interstate Insurance Services, Inc. offers a specialized Apartment Building Owners Insurance program designed to help independent agents place coverage for residential rental properties. As a Managing General Agency (MGA) with access to multiple carriers, Abram Interstate provides flexible underwriting solutions for a broad range of apartment building accounts. This program is ideal for agents seeking reliable markets for non-admitted placements in Arizona. Ideal Accounts and Appetite This program is tailored for owners of small to mid-sized apartment buildings, multi-unit residential complexes, and rental property portfolios. Whether your client owns a single 4-unit building or a larger 20-unit complex, this program can accommodate a variety of risk profiles. It is especially suitable for: Independent landlords and property investors Apartment complexes with professional property management Properties with some prior claims history (subject to underwriting) You might have a client who recently acquired a multi-family property in Arizona and needs quick access to crime and liability coverage. Or perhaps your client is expanding their rental portfolio and needs a carrier that will consider multiple buildings under one policy. This program is built to help you serve those needs. Coverage Highlights and Advantages The Apartment Building Owners Insurance program offers essential protections for property owners. Core coverages include: Crime – Protects against tenant theft, employee dishonesty, and other criminal activity affecting the property. Liability – Covers bodily injury and property damage claims arising from the premises, helping your clients manage tenant and visitor exposure. Additional coverages and endorsements may be available depending on the account and carrier selected. The flexibility of Abram Interstate’s carrier access allows agents to tailor coverage to meet each client’s specific property and risk profile. Underwriting Notes and Minimum Premiums Minimum premiums vary depending on the carrier and account details. The program is non-admitted, allowing more flexibility in underwriting criteria. Accounts with some loss history may still be considered based on the overall risk profile and mitigation steps in place. Key underwriting factors include: Year built and recent updates to electrical, plumbing, or roofing Tenant profile and occupancy rates Use of property management services Territories and Availability This program is currently available in Arizona. Abram Interstate continues to evaluate opportunities to expand, but at present, all submissions must be for Arizona-based apartment buildings. Why Work With Abram Interstate? Abram Interstate Insurance Services, Inc. is known for its responsive service, underwriting expertise, and broad market access. As an MGA, Abram Interstate works closely with agents to find solutions for risks that may not fit in the standard admitted market. Their apartment building program allows you to offer your clients competitive options backed by various experienced carriers, even in challenging risk scenarios. To learn more about Abram Interstate’s capabilities and other programs, visit their company profile. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for owners of small to mid-sized apartment buildings, including independent landlords and professionally managed properties in Arizona. Is this an admitted or non-admitted program?This program is written on a non-admitted basis, offering greater flexibility for unique or hard-to-place risks. What coverages are included in the program?Core coverages include crime and liability, with options for additional protections depending on the account and carrier. What information is needed to submit an account?Basic submission requirements typically include property details, year built, updates, loss history, and occupancy information. Contact Abram Interstate for specifics. Is this program available outside of Arizona?No, at this time the program is only available for properties located in Arizona. Need help placing an account? Connect with a market specialist.

Special Events Insurance Coverages: Event Cancellation Trade Shows & Festivals Overview of the Program From Abram Interstate Insurance Services, Inc. Abram Interstate Insurance Services, Inc. provides a focused Special Events Insurance program tailored for agents and brokers who need fast, short-term solutions for one-time or seasonal events. As a Managing General Agency with access to multiple non-admitted carriers, Abram Interstate streamlines placement for events in California and Arizona. The program is designed to be flexible for individual organizers, nonprofits, and commercial clients, helping you secure the specific coverages venues and vendors require. Ideal Accounts and Appetite This program fits a broad range of events, particularly short-duration gatherings with low to moderate risk. Typical accounts include: Community festivals and street fairs Trade shows, conventions, and vendor markets Private and corporate parties Weddings, receptions, and celebratory events Fundraisers and charity events You might place a weekend art fair requiring vendor and general liability limits, or a multi-day food and wine expo that needs cancellation protection and exhibitor coverage. The appetite favors public or invitation-only events without ongoing operations or high-hazard activities. Coverage Highlights and Advantages Abram Interstate’s Special Events program delivers the core protections event organizers commonly need, with quick quoting and the ability to tailor limits and endorsements to venue requirements: Event Cancellation: Coverage for lost revenue and certain expenses if an event is canceled or postponed due to covered causes. General Liability: Protection for third-party bodily injury and property damage arising from the event. Trade Shows & Festivals: Options for vendor, exhibitor, and organizer exposures, including short-term policies for multi-day events. Policies are written on a short-term basis and can be adjusted to meet venue certificates of insurance and additional insured requirements. Underwriting Notes and Minimum Premiums Underwriting focuses on event details: date(s), location, estimated attendance, vendor setup, alcohol service, and whether amplified sound or rides are present. Events with obvious high-risk elements—fireworks, motorized sports, large-scale structures, or pyrotechnics—often need additional review and may be excluded. Minimum premiums vary by carrier and event characteristics; expect different minimums depending on duration, attendance, and exposures. Territories and Availability This Special Events program is available in California and Arizona. Policies are placed on a non-admitted basis through multiple carriers, which provides flexibility for unique or hard-to-place risks that admitted markets may not accept. Why Work With Abram Interstate? Abram Interstate is an experienced MGA with responsive underwriting and access to several non-admitted markets. Working with them gives you efficient submission handling, quick turnaround for standard events, and underwriters who understand venue and exhibitor requirements. This program is a practical solution when a standard package policy won’t cover a short-term gathering or when a venue requires specific short-term certificates. Practical Examples - You have a client organizing a 2-day artisan festival in California with 50 vendors and beer gardens — this program can provide general liability and event cancellation coverages to satisfy the venue and protect the organizer. - A nonprofit holding an outdoor charity gala in Arizona needs cancellation protection and certificate proof of insurance for the rented venue — the program can quote short-term limits and issue fast. Frequently Asked Questions What types of accounts are a good fit for this program?Short-term events such as trade shows, festivals, weddings, fundraisers, and private parties in California or Arizona are a strong fit, provided the event does not involve high-hazard activities. Is this program available on an admitted basis?No. Policies under this program are placed on a non-admitted basis through various carriers to give flexibility for unique risks. Can I get coverage for a multi-day festival?Yes. Multi-day festivals are eligible if they meet underwriting criteria. Include full event details in your submission to speed approval. How quickly can I get a quote?Turnaround is typically fast for standard events. Providing complete event information up front (dates, location, attendance, activities) helps expedite quoting and binding. Are high-risk events eligible?High-risk events may be considered case-by-case, but many with fireworks, motorized sports, or significant pyrotechnics are often excluded or require specialized underwriting. Need help placing an account? Connect with a market specialist.

Restaurants Insurance Overview of the Program From Abram Interstate Insurance Services, Inc. Abram Interstate Insurance Services, Inc. offers a flexible and competitive Restaurants Insurance program designed specifically for independent agents and brokers looking to place food service accounts. Whether your clients are running a small café, casual dining restaurant, or a fast-paced takeout kitchen, this program helps protect them from common industry risks and exposures. As a Managing General Agency with access to multiple carriers, Abram Interstate provides solutions for hard-to-place or unique restaurant operations across Arizona, California, and Nevada. Ideal Accounts and Appetite This program is ideal for a wide range of dining establishments, including: Quick-service restaurants (QSRs) Family-style or casual dining establishments Takeout and delivery-focused operations Food trucks and mobile vendors (in some cases) You might have a client who operates a late-night pizza shop with delivery drivers or a modern diner with a liquor license—both could be considered under this program. Businesses with unique risk profiles or prior claims history may also be eligible, depending on underwriting. Coverage Highlights and Advantages Abram Interstate’s Restaurants Insurance program covers a variety of critical exposures facing food service businesses. Key coverage highlights include: Assault & Battery: Protection against liability claims arising from altercations on the premises. Equipment Coverage: Coverage for kitchen equipment, refrigeration units, and other essential machinery. Additional coverages may be available based on the specific needs of the insured and underwriting approval. Underwriting Notes and Minimum Premiums This is a non-admitted program, giving it the flexibility to accommodate a broader range of risks that standard markets may decline. Minimum premiums vary depending on the size, type, and operations of the restaurant. Abram Interstate works closely with agents to evaluate submissions and find a market fit that aligns with the insured’s exposure and budget. Territories and Availability This Restaurants Insurance program is currently available in Arizona, California, and Nevada. Agents operating in these states can access this solution to help meet the evolving insurance needs of their restaurant clients. Why Work With Abram Interstate? Abram Interstate Insurance Services, Inc. is a trusted MGA with deep experience in niche commercial programs. By partnering with a variety of carriers, they offer flexible and competitive options for agents serving the food service industry. Their underwriting team is responsive and knowledgeable, helping agents place business efficiently—even when the risk doesn’t fit the standard market mold. Frequently Asked Questions What types of restaurant businesses are eligible for this program?The program is suitable for quick-service restaurants, casual dining spots, takeout and delivery businesses, and some specialty food operations, depending on underwriting. Is this an admitted insurance program?No, this is a non-admitted program, which allows for greater flexibility in underwriting and risk acceptance. What coverages are included in the program?Core coverages include Assault & Battery and Equipment coverage. Additional options may be available based on the risk profile. In which states is the program available?This Restaurants Insurance program is available in Arizona, California, and Nevada. What is the minimum premium for this program?Minimum premiums vary depending on the size and operations of the restaurant. Contact Abram Interstate for underwriting guidelines and rate indications. Need help placing an account? Connect with a market specialist.