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Antiques and Collectibles Program from Continental Risk / Continental Marine Insurance Services Continental Risk / Continental Marine Insurance Services offers a specialized Antiques and Collectibles Program designed to help agents and brokers place hard-to-insure risks in the antiques and collectibles market. Whether your client is a private collector or a commercial dealer, this program provides access to tailored coverages that address the unique exposures of this niche industry. Ideal Accounts and Target Classes This program is well-suited for a wide variety of insureds in the antiques and collectibles space, including: Private collectors of antiques and collectibles Antique dealers and shop owners Antique mall operators Estate sale professionals Antique show promoters and event organizers Collector's clubs and enthusiast organizations Antique auction houses Dealers of other acceptable collectible items You might have a client who runs an antique store with valuable vintage items or a high-net-worth individual with a personal collection of rare coins or art—both are good fits for this program. Coverage Highlights and Advantages The program offers flexible coverage options that address both property and liability exposures common in the antiques and collectibles market: Inland Marine and Business Personal Property – Ideal for mobile inventory and high-value items. Commercial Real Property – Protection for buildings and infrastructure. Commercial General Liability – Coverage for premises liability and operations. Limits available include: Up to USD $2,000,000 each and every loss, each and every risk USD $850,000 per location USD $2,000,000 General Liability per occurrence / aggregate Additional options include a minimum deductible as low as USD $250, making it accessible for a range of small to mid-sized accounts. Claims are handled by adjusters with expertise in antiques and collectibles, ensuring accurate and fair valuations. Underwriting Notes All policies are placed on a non-admitted basis through trusted carrier partners. While underwriting is flexible, risks must fall within acceptable collectible classifications. Agents should be prepared to provide detailed inventory lists or appraisals when applicable. There is no stated minimum premium, allowing for competitive placement across various account sizes. Territory and Availability This program is available in all 50 states and the District of Columbia, providing nationwide access for your clientele. Whether your client is located in a rural antique district or an urban cultural center, Continental Risk / Continental Marine Insurance Services is equipped to help you place coverage effectively. Why Work With Continental Risk / Continental Marine Insurance Services? As a wholesale broker specializing in niche markets, Continental Risk / Continental Marine Insurance Services brings deep understanding and tailored solutions to the antiques and collectibles industry. Their access to non-admitted markets and class-specific claims expertise make them a valuable resource for agents and brokers looking to serve collectors, dealers, and specialty businesses with unique property exposures. When you need a partner who understands the value—both monetary and sentimental—of antiques and collectibles, turn to Continental Risk / Continental Marine Insurance Services. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for antique dealers, private collectors, estate sale professionals, antique malls, auction houses, and similar businesses involved in selling or showcasing antiques and collectibles. Is this program available nationwide?Yes, the Antiques and Collectibles Program is available in all 50 states and the District of Columbia. What coverages are included in the program?Coverage options include Inland Marine, Business Personal Property, Commercial Real Property, and Commercial General Liability. Are there any minimum premium requirements?There is no stated minimum premium, making it suitable for small to mid-sized risks. Deductibles start as low as USD $250. Is this an admitted program?No, all policies are written on a non-admitted basis through select carrier partners. Need help placing an account? Connect with a market specialist.

Specialized Insurance for Art & Antique Galleries Van Wagoner Companies, Inc. offers a dedicated Art & Antique Galleries program through its MGA platform with access to Lloyd's markets. The program is built to address the distinct valuation, transit, and display risks faced by galleries, dealers, consultants, and collectors. Whether the account is a small boutique gallery, a multi-dealer antique mall, or a private collector with frequent loans and exhibits, Van Wagoner provides flexible placement options and specialty underwriting expertise. Ideal Accounts and Appetite This program is well suited for: Fine art galleries and independent art dealers Antique shops and multi-dealer malls Private collectors who rotate or loan pieces to exhibits Art consultants, appraisers, and dealers who maintain on-site inventory Accounts with high-value, mobile inventory—items in transit, on consignment, or displayed at shows and auctions—are welcomed when appropriate security and inventory controls are in place. Operations primarily focused on restoration, repair, or manufacturing of antiques or artwork may be outside of the core appetite and should be discussed with underwriting first. Coverage Highlights and Advantages The program offers core and package options tailored to gallery and antique exposures: Property Coverage – Buildings, fixtures, business personal property, and scheduled fine art and antiques. General Liability – Third-party bodily injury and property damage arising from gallery operations and client visits. Package Policies – Combined property and liability options for cleaner placement and administration. Inland Marine – Coverage for items in transit, on consignment, on loan, or exhibited off-premises. Policies can be customized to include protections for theft, fire, accidental breakage during transit, and other common gallery risks. Coverage terms are designed to reflect the valuation and mobility of collectible items and to support complex placement needs. Underwriting Notes and Minimum Premiums Submissions are reviewed individually with attention to loss history, security measures, inventory controls, and item valuations. Provide a detailed inventory, values, provenance where available, and photos to accelerate underwriting. While the program does not list a public minimum premium here, Van Wagoner aims to offer competitive pricing that aligns with the risk profile—underwriters will advise on premium expectations during submission review. Territories and Availability This program is available on a non-admitted basis 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) Admitted versus non-admitted placement depends on the state and the individual risk characteristics. Van Wagoner places coverage through Lloyd's, which provides flexibility and capacity for higher-value or more complex accounts. Why Work With Van Wagoner Companies Van Wagoner combines niche underwriting experience with Lloyd's access to support specialty art and antique risks. Agents benefit from underwriters who understand valuations, transit exposures, consignment arrangements, and museum/exhibit placements. The MGA model also delivers responsive service and streamlined placement for tailor-made solutions. Example scenarios that fit well: You have a client who runs a boutique gallery in California that frequently ships pieces to regional shows and needs transit and exhibit coverage in addition to on-site protection. You represent an antique dealer in Texas who consigns high-value pieces to auctions and requires scheduled inland marine coverage for items while off-premises. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for fine art galleries, antique shops, private collectors, and consultants who need coverage for high-value, mobile inventory and exhibition exposures. What coverages are included in the Art & Antique Galleries program?Core offerings include Property, General Liability, Inland Marine, and Package policies that can be tailored to cover theft, fire, accidental breakage in transit, and exhibit exposures. Is this program available in all states?No. It is currently available on a non-admitted basis in AZ, AR, CA, CT, DE, ID, IA, NV, NM, OK, PA, TX, UT, and WY. Admitted availability varies by state and risk. Does the program cover items in transit or on loan?Yes. Inland Marine coverage is available to protect items while in transit, on consignment, or temporarily exhibited off-premises. What carrier backs this program?The program is underwritten and placed through Lloyd's, providing capacity and specialty market expertise for collectible and fine art risks. Need help placing an account? Connect with a market specialist.

Ck Specialty Insurance Associates, Inc. offers comprehensive solutions for a wide range of garage-related risks, from small auto repair shops to antique car restoration businesses. Overview of the Dealers and Non-Dealers Garage Insurance Program As a general agency and excess & surplus lines broker, Ck Specialty Insurance Associates, Inc. provides agents access to a robust Garage Insurance Program tailored to both dealers and non-dealers. Whether your clients operate in light auto repair or work with heavy trucks, this program is designed to cover a wide variety of exposures in the automotive services and sales sector. Ideal Accounts and Appetite This program targets a broad range of businesses involved in vehicle sales, repair, and related services. Common classes include: Wholesale Auto Dealers & Brokers Heavy Truck Dealers & Repair Shops Antique and Classic Car Sales and Restoration Motorcycle, RV, and Golf Cart Dealers Auto Body and Paint Shops Mobile Repair Services and Roadside Assistance Providers Valet Services, Parking Garages, and Impound Yards Franchised and Non-Franchised Used Auto Dealers Car Washes, Auto Detailers, and Vinyl Wrapping Installers Whether your client is an established new car dealer or a startup mobile repair technician, Ck Specialty can help place the right coverage. Coverage Highlights and Advantages The program offers a wide array of coverages to ensure your clients are protected against both common and unique exposures, including: Property Coverage Garage Liability Garage Keepers Legal Liability Dealers Open Lot Hired and Non-Owned Auto Errors & Omissions – Dealers, Odometer & Title Directors & Officers (D&O) Employment Practices Liability Insurance (EPLI) Umbrella/Excess Liability Broadened Coverage Options Special Events Coverage Service Vehicle Liability and Physical Damage This flexible offering allows agents to tailor coverage to the specific needs of each client, whether they operate on-site, offer mobile services, or host public events. Underwriting Notes and Minimum Premiums The program is written on a non-admitted basis through AM Best “A” rated carriers, offering flexibility in underwriting and coverage design. Minimum premiums start at $750, making this an accessible solution for a wide range of garage operations. Territories and Availability This program is currently available in Arizona, California, and Colorado. If you’re working with clients in these states, Ck Specialty can help you place coverage with strong market access and underwriting support. Why Work With Ck Specialty Insurance Associates, Inc.? Ck Specialty brings deep expertise and a flexible approach to garage-related risks. As a general agency and E&S broker, they have access to top-rated carriers and understand the nuances of the automotive service and sales industry. Their team is committed to responsive service and helping agents find the right market for hard-to-place or niche accounts. You might have a client restoring antique vehicles in a small shop or a dealer specializing in heavy trucks and towing services. Ck Specialty has the tools and markets to help you secure the right protection for these unique exposures. Contact Ck Specialty today to learn more about placing your garage accounts. Frequently Asked Questions What types of accounts are a good fit for this program?The program is ideal for auto dealers (both franchised and non-franchised), repair shops, mobile mechanics, antique car restorers, RV and motorcycle dealers, and other vehicle-related businesses. What states is this program available in?This program is currently available in Arizona, California, and Colorado. Is this program written on an admitted or non-admitted basis?The program is written on a non-admitted basis through AM Best “A” rated carriers. What is the minimum premium for this program?Minimum premiums start at $750, depending on the specific risk and underwriting details. Can this program cover mobile or off-site operations?Yes, the program can accommodate mobile repair services, roadside assistance, and certain off-site exposures, subject to underwriting approval. Need help placing an account? Connect with a market specialist.

Insurance Program Managers Group (IPMG) offers a specialized Collectible Insurance Program designed to protect valuable personal collections and dealer inventories of antiques and collectibles. This program gives independent agents and brokers a competitive solution for clients who need more comprehensive protection than a standard homeowners policy can offer. Ideal Accounts and Appetite This program is ideal for: Private collectors with valuable personal collections Dealers with inventory in antiques and collectibles Clients displaying collections at exhibitions or transporting items Whether your client owns a single valuable item or an extensive multi-location collection, IPMG can help you place coverage that fits their unique risk profile. Coverage Highlights and Advantages Competitive Rates – Often lower than scheduling individual items on a homeowners policy No Appraisals or Inventories Required – For most items under $5,000 in value High Property Limits – Up to $15 million in total coverage Broad Named Peril Coverage – Includes burglary/theft, fire, flood (excluding zones A & V), natural disasters, and accidental breakage Transit and Exhibition Coverage – Includes transportation and scheduled exhibitions Multi-Premises Flexibility – Coverage available for multiple storage or display locations Types of Collectibles Covered The program covers a wide range of collectible categories, including but not limited to: Advertising Collectibles Antique Radios, Tools, and Photographs Art (comics, animation, prints, lithographs) Books & Manuscripts Coins (excluding gold and platinum) Dolls, Toys, and Action Figures Fine Art and Furniture Glass, Pottery, and Textiles Musical Instruments (non-electrical) Native American artifacts Political, Sports, and Entertainment Memorabilia Movie Props, Petroliana, and Zippo Lighters Trains and Layouts Vintage Clothing and Sewing Items Weapons and Accessories Writing Instruments and more Underwriting Notes and Minimum Premium Appraisals or inventories are generally not required unless an item is valued at $5,000 or more. At the time of loss, documentation such as photos, receipts, and inventory details will be necessary. The minimum premium for this program is $250, making it accessible for both small and large collections. States and Availability This program is available in the following states: AR, FL, IL, IN, IA, KS, KY, MI, MN, MO, TN, and WI. IPMG works with both admitted and non-admitted carriers, allowing flexibility based on risk profile and jurisdiction. Why Work With IPMG? As a General Agency and Excess & Surplus Lines Broker, IPMG brings niche expertise and market access to help you better serve clients with high-value collectibles. Their deep understanding of this unique insurance segment, coupled with flexible underwriting and strong carrier relationships, makes it easier for agents and brokers to confidently place hard-to-insure collectible risks. Example: You might have a client who owns a rare collection of antique tools displayed in multiple locations and occasionally exhibited at trade shows. IPMG’s program offers coverage for transit, exhibition, and multi-premises storage—all under one policy. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for private collectors and dealers with antiques or collectible items such as art, rare books, toys, political memorabilia, and more. Are appraisals required for every item?No, appraisals or inventories are not required for most items unless they are valued at $5,000 or more. Does the policy include coverage during transit and exhibitions?Yes, coverage includes personal transit and scheduled exhibitions, including transport to and from the event, up to the policy limits. What is the minimum premium for this program?The minimum premium starts at $250, making it accessible for a variety of collection sizes. In which states is this program available?This program is available in AR, FL, IL, IN, IA, KS, KY, MI, MN, MO, TN, and WI. Need help placing an account? Connect with a market specialist.

Are you currently shopping for shop coverage? Cochrane & Company can provide your store's Mercantile Insurance. From antique stores to video stores, we have your Mercantile Insurance coverage needs covered. Mercantile Insurance Program from Cochrane & Company Cochrane & Company offers a flexible and comprehensive Mercantile Insurance program designed specifically for retail risks. As a trusted Managing General Agency (MGA), we provide appointed agents with access to competitive markets and tailored coverage solutions for a wide range of retail businesses. Whether your clients operate a corner convenience store or a specialty antique shop, our program is built to address their unique exposures. Ideal Accounts and Appetite We welcome a broad spectrum of retail classes under our Mercantile Insurance program. Targeted business types include: Convenience Stores Pawn Shops Antique Stores Sporting Goods Stores Beverage Retailers Video and Media Stores And many more specialty retailers If you have a client operating a small-town pawn shop or a high-traffic beverage store, our program is geared to accommodate these types of risks with ease. We are especially well-suited for stores seeking broad property and liability protection with flexible underwriting. Coverage Highlights and Advantages Our Mercantile Insurance program offers a robust package of property and general liability coverages, making it easy for agents to secure complete protection for their retail clients. Property Coverage Features Basic, Broad, or Special Form options (theft coverage available with central station alarm) Property Extension Endorsements for added flexibility Convenient chart-based rating system for efficiency General Liability Limits Up to $5 million general aggregate Products/completed operations aggregate included $5 million personal and advertising injury $5 million per occurrence $100,000 damage to rented premises $1,000 medical payments Silent Assault or Battery coverage included No liability deductible Underwriting Notes and Minimum Premiums Each submission is individually underwritten, and minimum premiums vary depending on risk characteristics and location. Our team works closely with agents to identify the best market fit and streamline the quoting process. We recommend submitting complete applications, including property protection details like alarm systems, to help secure the most favorable terms. Territories and Availability This program is available on a non-admitted basis in the following states: Alaska (AK) California (CA) Idaho (ID) Montana (MT) Nevada (NV) New Mexico (NM) North Dakota (ND) Oregon (OR) Utah (UT) Washington (WA) Wyoming (WY) Because this is a non-admitted program, it offers flexible solutions for unique or hard-to-place retail accounts that may not fit standard markets. Why Work With Cochrane & Company? Cochrane & Company brings decades of experience as a Managing General Agency and provides agents with access to specialty markets and responsive underwriting for niche classes like mercantile risks. We pride ourselves on our ability to write retail accounts that require custom solutions and fast turnaround times. Our depth of carrier relationships and regional expertise make us a reliable partner for agents throughout the Western United States. For more information regarding Mercantile Insurance, please do feel free to contact us! Frequently Asked Questions What types of accounts are a good fit for Cochrane & Company’s Mercantile Insurance program?This program is ideal for small to mid-sized retail businesses such as convenience stores, antique shops, pawn stores, beverage retailers, and other specialty merchants. Is this program available on an admitted basis?No, this Mercantile Insurance program is written on a non-admitted basis in the states where it is available. What states is the Mercantile Insurance program offered in?The program is available in AK, CA, ID, MT, NV, NM, ND, OR, UT, WA, and WY. Are there minimum premium requirements?Minimum premiums vary based on the type and size of the risk. Contact our team with specific account details for a quote. What coverages are included in the general liability section?General liability includes up to $5 million in limits, with coverage for personal/advertising injury, products/completed operations, damage to rented premises, and more. Need help placing an account? Connect with a market specialist.

AIRCRAFT INSURANCE AVAILABLE NATIONWIDE The aviation division at Arlington/Roe focuses on all types of aircraft—from single-engine piston to business jets; uses from agricultural and corporate to charter; and specialty aircraft from military types to antiques. Our long-standing relationships with virtually every aviation carrier and deep industry expertise give you multiple market options and competitive placement strategies. Our aviation team is comprised of career aviation brokers. Together we've worked as a team for 20 years and offer approximately 85 years of combined aviation insurance and risk-management experience. We represent more than 35 aviation insurers and welcome submissions from agents who already write aviation business as well as those entering the field. Note: Arlington/Roe's Aircraft Insurance storefront can be accessed through CompleteMarkets by searching for any one of the following keywords: aircraft insurance, aircraft fleets, amphibious aircraft, sales demonstration aircraft, aircraft news reporting, fixed wing and rotorcraft. Overview — Arlington/Roe Aircraft Insurance Arlington/Roe & Co., Inc. places aircraft and aviation exposures through all available markets. As a Managing General Agency and Excess & Surplus Lines broker, we provide access to admitted and non-admitted options, broad carrier choice, and specialized underwriting for unique aviation risks. This program is built for agents who need flexible solutions for aircraft liability, hull, airports, product liability, and aviation workers' compensation. Ideal Accounts and Appetite We typically place the following classes: Private, corporate and commercial fixed-wing and rotorcraft (piston, turboprop and jet) Charter and air taxi operations, non-owned and fractional ownership programs Aerial operations (crop dusting, surveying, pipeline patrol, firefighting support) Antique, experimental and warbird exposures Airports, FBOs, helipads, control towers, maintenance/repair facilities Aviation product manufacturers, parts distributors and ground-handling operations Flight schools, charter operators and airport service providers for workers’ compensation placement Accounts that typically fit include well-maintained aircraft with qualified crews, established FBOs and manufacturers with documented safety programs. Accounts with active safety management, maintenance records and pilot training history are also preferred. Coverage Highlights and Advantages Broad hull and liability capacity for private, corporate and commercial operations Products and completed operations coverage for aviation manufacturers and parts suppliers Airport and premises liability, including cover for FBO operations and maintenance facilities Aviation workers’ compensation solutions that can be written for aviation classes even when they are not the employer’s primary exposure Access to more than 35 specialized aviation carriers—helping you find capacity where standard markets may decline Underwriting Notes When submitting to Arlington/Roe, prepare to include: Aircraft logs, maintenance records and pilot qualifications Operations descriptions, pilot hiring/training practices and safety management details Loss history for the past 3–5 years For product liability: design and manufacturing controls, distribution channels and warranty practices Minimum premium and specific terms vary by carrier and risk. Contact your Arlington/Roe underwriter for tailored underwriting requirements and minimums on each account. Territories and Availability Available through all available markets nationwide. Arlington/Roe places business in these states and jurisdictions: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Why Work With Arlington/Roe on Aircraft Insurance Specialized team with long-term aviation underwriting relationships and technical expertise Access to both admitted and E&S markets through an experienced MGA/wholesale broker platform Flexible placement options for unusual or high-severity aviation risks Responsive underwriting and support for agent submissions and bind requests Example Accounts You Might Place A regional charter operator seeking combined hull and liability coverage for a mixed fleet of turboprops and light jets, with pilot training records and a documented maintenance program. An FBO that needs premises liability, hangarkeepers and workers’ comp for ramp and maintenance personnel, where the aviation exposure is significant but not the primary business on the general ledger. Frequently Asked Questions What types of accounts are a good fit for Arlington/Roe’s Aircraft Insurance program?Good fits include private and corporate aircraft, charter operations, FBOs and maintenance facilities, aviation product manufacturers and parts distributors. We handle piston, turboprop and jet aircraft as well as specialty and antique aircraft. Are coverage options admitted, non-admitted, or both?Arlington/Roe places business across all available markets. We work with admitted carriers and excess & surplus markets to find the most appropriate coverage and capacity for each risk. What information should I include with a submission?Provide aircraft logs and maintenance records, pilot qualifications and training, a detailed description of operations, and loss history. For manufacturers, include design, manufacturing and distribution information. How many carriers can Arlington/Roe access for aviation risks?We represent more than 35 aviation insurance carriers, which helps when you need multiple capacity options or specialty coverages. Need help placing an account? Connect with a market specialist.

SPECIAL EVENTS LIABILITY INSURANCE For NC and VA We are your go-to market for Special Events — BIG or SMALL! Don't let your clients' special events be left uncovered. Agents Insurance Markets, Inc. offers competitive special events liability options designed to give you and your insureds peace of mind. We work with reputable carriers to provide market-responsive coverage and prompt service — contact one of our experienced staff members for a fast quote on your next event placement. Reasons we are your market of choice for Special Events Liability: Comprehensive General Liability coverage tailored for temporary events Includes spectator and products liability where applicable Short-term policies or scheduled annual terms available Additional insured endorsements offered for venues and sponsors Low minimum premiums to accommodate one-off events Sample of Eligible Classes: Bazaars Exhibitions Auctions Reunions Concerts Dances Craft Shows Trade Shows Antique Shows Beauty Pageants Weddings / Receptions Yard Sales Golf Tournaments Parades Seasonal Events — haunted attractions, pumpkin sales, Christmas tree lots Product Highlights: General liability limits available up to $5,000,000 Excess coverage options available Dedicated underwriting and customer service for event placements Occurrence-form policies Defense costs paid outside the limit Overview of the Program from Agents Insurance Markets, Inc. This Special Events Liability program is offered through Agents Insurance Markets, Inc., a managing general agency that places temporary-event exposures with admitted and non-admitted carriers as allowed. The program is built to be flexible for short-term single-event placements or scheduled annual programs for clients that run multiple events. Underwriters are experienced with venue, vendor and spectator exposures common to community, commercial and private events. Ideal Accounts and Appetite This program is a good fit for agents who handle community and commercial events with moderate general liability exposures. Typical accounts include: Local festivals and seasonal attractions Trade and craft shows Weddings, receptions and private parties Fundraisers, bazaars and charity events Small- to mid-size concerts, reunions and parades Golf tournaments and similar sporting fundraisers Accounts with routine vendor booths, spectator areas and limited alcohol service are routinely considered. Events involving professional stunts, large-scale pyrotechnics, permanent amusement rides, or stadium-level exposures may require a referral to specialized markets or be ineligible. Coverage Highlights and Advantages Limits up to $5M and excess layers to match event scale Flexible term options — single-day, multi-day or scheduled annual coverage Additional insured wording for venues, promoters and sponsors Occurrence form with defense outside the limit improves protection for insureds Competitive, low minimum premiums suitable for one-off events Underwriting Notes and Placement Guidance When submitting, provide the event date(s), location, estimated attendance, description of activities, vendor operations, alcohol service details (if any), and any venue contract requirements for additional insured or waiver of subrogation. Photographs or site diagrams are helpful for unfamiliar locations. Larger exposure events or those with high-liability activities may require supplemental underwriting information or subcontracting to specialized entertainment markets. Territories and Availability This program is available for placements in North Carolina (NC), Virginia (VA) and the District of Columbia (DC). Availability and admitted/non-admitted placement will depend on the carrier and state filing status; Agents Insurance Markets, Inc. will advise on the appropriate placement options for each risk. Why Work With Agents Insurance Markets, Inc. on Special Events Specialized event underwriting — faster, pragmatic decisions for temporary exposures Access to multiple carrier partners to match limits and terms to the event Hands-on support for endorsements such as additional insured and certificate wording Responsive quoting for last-minute or condensed timelines Example placements you might submit: a community nonprofit hosting an annual craft fair with 1,200 attendees seeking a one-day policy with additional insured status for the town, or a wedding planner needing liability for a weekend reception at a rented venue. Frequently Asked Questions What types of events are a good fit for this program?Community festivals, craft and trade shows, fundraisers, weddings/receptions, small concerts, parades and similar short-term events are a strong fit. Events with routine vendors, spectator areas and limited alcohol service are typically eligible. Can I add a venue or sponsor as an additional insured?Yes. Additional insured endorsements are available; be sure to include the venue or sponsor name and any specific language required in the submission so we can mirror contract obligations where possible. How much lead time do you need for a quote?We can often provide quotes quickly for routine events. Provide event date(s), location, estimated attendance, a description of activities and any vendor/alcohol details — the more complete the submission, the faster we can respond. Are limits and excess layers available?Yes. Limits are available up to $5,000,000 with excess coverage options depending on the carrier and the event’s risk profile. Need help placing an account? Connect with a market specialist.

Van Wagoner Companies, Inc. is one of the longest-established surplus lines agencies in Texas and operates as a Managing General Agency (MGA). We give appointed agents and brokers access to competitive commercial insurance programs for hard-to-place and specialty risks, backed by carrier relationships that include Lloyd’s and Markel International. 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 What types of accounts are a good fit for this Commercial Lines program?Good fits include apartment buildings, contractors, retail stores, hotels, restaurants, and commercial property owners. The program is well-suited for harder-to-place risks such as vacant properties and high-valued vehicles. Is this program available in admitted or non-admitted markets?Van Wagoner places business in both admitted and non-admitted markets depending on the state and class of business. Your appointed underwriter will identify the best option for each account. What carrier markets support this program?This program is backed by long-standing carrier relationships, including Lloyd’s and Markel International. Are there minimum premium requirements?There is no published minimum premium. Van Wagoner considers a range of account sizes when evaluating submissions. In which states is the program offered?The program is available in AZ, AR, CA, CT, DE, ID, IA, NV, NM, OK, PA, TX, UT, and WY. Need help placing an account? Connect with a market specialist.