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Overview of the Program From Northern States Agency Northern States Agency, Inc. (NSA), a trusted Managing General Agency and Excess & Surplus Lines Broker, has been serving independent insurance agents since 1953. Located in St. Paul, Minnesota, NSA brings over 70 years of underwriting experience and market knowledge to help agents place standard and hard-to-place commercial risks. Whether you’re looking for traditional coverage or need options for unique exposures, NSA offers broad access to various carriers and a deep understanding of E&S markets. Ideal Accounts and Appetite NSA specializes in hard-to-place and unusual risks that may not qualify for standard markets. Their underwriting appetite includes a wide range of commercial operations, with particular strength in: Commercial Auto Fleets (10+ power units) Garage and Auto Dealer Operations Trucking and Transport Risks Businesses with Excess Auto Liability Needs Contractors and Small Manufacturers Professional Services with E&O or D&O Exposures For example, you might have a client with a regional delivery fleet or an auto service operation with unique liability exposures. NSA can provide tailored solutions for these accounts, even when standard carriers decline. Coverage Highlights and Advantages NSA offers access to a wide array of commercial coverages through both admitted and non-admitted markets, depending on the risk and state. Available coverages include: Commercial Auto Insurance Garage and Auto Dealer Liability Excess Auto and General Liability General Liability and Umbrella/Excess Liability Directors & Officers (D&O) Liability Employment Practices Liability Insurance (EPLI) Miscellaneous Professional Liability Errors & Omissions (E&O) Property and Inland Marine NSA leverages relationships with numerous carriers to help you secure the right coverage at competitive terms for your clients' specific needs. Underwriting Notes and Minimum Premiums NSA evaluates each submission on its own merits, focusing on the risk’s operational details and loss history. While minimum premiums vary by carrier and line of coverage, the program is well-suited for mid-sized and larger accounts, particularly those requiring fleet or excess liability solutions. Submissions with complete information and clear risk narratives will receive the most responsive service. Territories and Availability NSA works with thousands of independent agents across the upper Midwest, offering access to this program in: Minnesota Wisconsin Iowa South Dakota North Dakota Nebraska Michigan Illinois Nationwide availability is also offered for certain classes, including auto fleets with 10 or more power units and excess auto/general liability placements. Why Work With Northern States Agency? With decades of experience and a regional focus, NSA is a valuable partner for agents seeking reliable underwriting support and market access. Their team understands the complexities of E&S placements and is committed to providing timely responses, flexible solutions, and a collaborative approach. If you’re looking to grow your commercial book with hard-to-place or specialty risks, NSA can help you deliver results for your clients. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include commercial auto fleets, garage and dealer operations, risks needing excess liability, and professional service firms with E&O or D&O exposures. Which states is this program available in?This program is available in Minnesota, Wisconsin, Iowa, South Dakota, North Dakota, Nebraska, Michigan, and Illinois. Select coverages are also accessible nationwide. Can NSA place hard-to-insure or non-standard risks?Yes, NSA specializes in hard-to-place and non-standard commercial risks, especially those that fall outside of standard carrier appetite. What minimum premium should I expect?Minimum premiums vary by risk and carrier, but this program is best suited for mid-sized to larger accounts, especially those with fleet or excess liability needs. What carriers does NSA work with?NSA works with a variety of admitted and non-admitted carriers, allowing them to tailor coverage solutions to the specific needs of your clients. Need help placing an account? Connect with a market specialist.