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...ize in providing comprehensive Agribusiness Insurance solutions for farms and ...tes is this program available?Our Agribusiness Insurance program is available ...

...range of niche industries. Our Agribusiness, Equestrian, Farms, Outfitters & G...uides, recreational programs, and agribusinesses with unique exposures that st...

Scurich Insurance Services offers a specialized Agriculture Workers Compensation Insurance program tailored for farms, ranches, and crop operations throughout the Monterey Bay Area, CA. With nearly a century of experience insuring agricultural businesses, our team understands the unique challenges and risks faced by farm owners and their employees. We work closely with independent agents and brokers to help place Workers Compensation coverage that meets the specific needs of the agriculture industry. Overview of the Program Since 1924, Scurich Insurance Services has been a trusted partner for agricultural operations in California. Our Workers Compensation program is designed specifically for farm laborers, crop pickers, and other hands-on agricultural workers. We understand the regulatory and operational complexities in this sector and are equipped to help agents find appropriate coverage for their clients—especially in high-risk or underserved areas. Ideal Accounts and Appetite This program is best suited for: Commercial farms and ranches in the Monterey Bay region Growers and harvesters of fruits, vegetables, or row crops Vineyards and nurseries with seasonal or migrant labor forces Family-owned farms with multiple employees You might have a client with a mid-sized strawberry farm that employs seasonal labor, or a vineyard owner who needs to ensure their workers are protected in the event of injury. These are the types of accounts we handle every day. Coverage Highlights and Advantages Our Agricultural Workers Compensation program is designed to provide: Medical benefits and wage replacement for injured employees Coverage for temporary, seasonal, and migrant workers Support navigating claims and injury management Risk management guidance tailored to agricultural operations We understand the real-world challenges that prevent injured farm workers from accessing proper care—such as fear of retaliation, immigration status concerns, and lack of local providers familiar with Workers Comp procedures. Our program is built to address these barriers and help employers stay compliant while protecting their workforce. Underwriting Notes This is a non-admitted program, allowing for flexibility in underwriting. We evaluate each submission based on farm size, type of operations, safety protocols, and claims history. While minimum premium requirements vary, we focus on accounts that demonstrate a commitment to worker safety and compliance. Territories and Availability This program is currently available in California, with a strong focus on accounts located in the Monterey Bay Area, including agricultural communities in and around Santa Cruz, Monterey, and San Benito counties. Why Work With Scurich Insurance Services? As a local agency with deep roots in California's agricultural community, Scurich Insurance Services brings unmatched expertise to this niche. Agents benefit from our hands-on knowledge, responsive service, and commitment to protecting the workforce that powers the region’s economy. Whether you're placing a new Workers Compensation policy for a small organic farm or helping a large grower renew coverage with better terms, we are here to support you every step of the way. For all your farm, crop, and agriculture Workers Comp needs in the Monterey Bay Area, CA, give us a call or connect through our CompleteMarkets profile. Frequently Asked Questions What types of accounts are a good fit for this Workers Compensation program?We focus on agricultural operations such as farms, vineyards, ranches, and nurseries—particularly those with seasonal or migrant labor in the Monterey Bay Area. Is this program available outside of California?No, this Workers Compensation program is currently only available in California, with a primary focus on the Monterey Bay region. Can this program cover undocumented workers?Coverage is evaluated on a case-by-case basis, but many insureds in the agriculture industry employ workers with varying documentation status. We help agents navigate these complexities while staying compliant with applicable laws. What is the underwriting process like?Underwriting considers factors such as number of employees, type of crops or operations, claims history, and safety practices. We offer personalized attention to help agents place challenging accounts. Why choose Scurich Insurance Services for agriculture Workers Comp?We’ve been serving California’s farming community since 1924 and bring decades of expertise, local market knowledge, and responsive service to every submission. Need help placing an account? Connect with a market specialist.

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.

Available Nationwide with A rated insurance carrier Ability to file surplus lines tax in all 50 states Limits up to $10 Million/$10 million Professional and General liability International Excess Program Managers offers a specialized insurance program tailored for Polysomnographic Technicians and Sleep Centers across the United States. This niche program is designed to address the unique exposures faced by professionals in the sleep medicine field, including liability risks associated with overnight monitoring, diagnostic testing, and patient interaction. Ideal Accounts and Appetite This program is an excellent fit for: Independent and group sleep centers Polysomnographic Technologists and Sleep Lab Technicians Mobile or in-home sleep testing providers You might have a client operating a multi-location sleep diagnostic clinic or a solo technician who performs in-home sleep studies—both can be considered for this program. Coverage Highlights and Advantages Professional and General Liability limits up to $10M/$10M Coverage available in both admitted and non-admitted markets (most states) Backed by A-rated carriers Surplus lines tax filing in all 50 states The program is designed to cover a wide range of liability exposures specific to sleep medicine professionals, such as misdiagnosis claims, equipment failure, or patient safety concerns during overnight studies. Underwriting Notes and Minimum Premiums Minimum premiums vary depending on the risk profile and scope of services, but International Excess Program Managers works with agents to competitively price coverage for both small and larger operations. Submissions should include detailed information about the insured’s operations, staff certifications, and any claims history. Territories and Availability This program is available in most U.S. states, including AK, CA, FL, TX, NY, and others. International Excess Program Managers has the ability to file surplus lines taxes in all 50 states, providing true nationwide access for your clients. Why Work With International Excess Program Managers? As a trusted Managing General Agency with access to various A-rated carriers, International Excess Program Managers brings niche underwriting knowledge and flexible solutions to the table. Their dedicated healthcare program team understands the specific needs of sleep centers and technicians, helping agents successfully place and retain business in this specialized market. Click here to read more about this program Are you interested in becoming an agent for this program? Contact us. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for sleep centers, sleep labs, and polysomnographic technicians offering diagnostic testing and overnight monitoring services. Is the program available in all states?Yes, the program is available nationwide, and surplus lines tax filing is supported in all 50 states. Are both admitted and non-admitted options available?Coverage is offered through A-rated carriers, with options available in both admitted and non-admitted markets depending on the state. What limits are available under this program?The program offers Professional and General Liability limits up to $10 million per occurrence and $10 million aggregate. What information is needed for a submission?Submissions should include details on operations, staff credentials, services offered, and any prior claims history. 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.

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.

Janitorial Firms Insurance Overview of the Program From Abram Interstate Insurance Services, Inc. Abram Interstate Insurance Services, Inc. offers a specialized Janitorial Firms Insurance program designed to help agents place coverage for cleaning and janitorial service providers. As a Managing General Agency with access to various non-admitted carriers, Abram Interstate provides flexible underwriting solutions to meet the unique risks faced by janitorial businesses operating in commercial, residential, and industrial environments. Ideal Accounts and Appetite This program is ideal for independent insurance agents servicing professional janitorial firms, including: Commercial office cleaners Residential cleaning services Industrial and warehouse janitorial providers Day porters and night cleaning crews Accounts with experience, strong safety protocols, and contracts in place are generally a better fit. Abram Interstate can consider both new ventures and established operations, depending on the risk profile. Coverage Highlights and Advantages The Janitorial Firms Insurance program includes essential coverages tailored to the exposures of the cleaning industry. Available coverages include: General Liability – Protects against third-party claims of bodily injury and property damage Lost Key Coverage – Addresses the cost of replacing locks or rekeying due to lost or stolen keys Additional enhancements may be available depending on the insured’s operations and underwriting review. This program is designed to help your clients protect their reputation, manage operational risk, and meet contract requirements. Underwriting Notes and Minimum Premiums Minimum premiums vary based on account size, operations, and risk characteristics. Abram Interstate's underwriting team works closely with agents to assess each submission and provide competitive, customized solutions. While the program is non-admitted, it allows for greater flexibility in structuring coverage for hard-to-place or unique janitorial operations. Territories and Availability This program is currently available to agents with risks located in Arizona, California, and Nevada. Agents in these states can access the program through Abram Interstate to serve their janitorial clients with competitive options and responsive service. Why Work With Abram Interstate Abram Interstate Insurance Services, Inc. brings deep experience in specialty commercial programs, offering brokers access to niche markets and fast, knowledgeable underwriting support. Their Janitorial Firms Insurance program is built to help agents serve a high-demand industry with tailored coverage and non-admitted flexibility. Whether you're looking to place a small residential cleaning service or a larger commercial janitorial contractor, Abram Interstate can help you find the right fit for your client. Frequently Asked Questions What types of accounts are a good fit for this program?This program fits janitorial and cleaning service providers, including commercial office cleaners, residential cleaning companies, and industrial janitorial firms. Is this program available for new ventures?Yes, Abram Interstate may consider new ventures depending on the overall risk profile and available underwriting information. What coverages are included in the program?The program includes General Liability and Lost Key coverage. Additional options may be available based on the insured’s operations. Is the program admitted or non-admitted?This is a non-admitted program, offering more flexibility for unique or hard-to-place risks. Which states is the program available in?The Janitorial Firms Insurance program is currently available in Arizona, California, and Nevada. Need help placing an account? Connect with a market specialist.

...mily farms to large commercial agribusinesses, we can help you find the right ...