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Flexible Coverage for the Construction Industry Builders face significant risks from fire, weather, equipment breakdown, theft and other construction exposures. With residential, commercial, hospitality and institutional projects often representing millions in investment, protecting those assets is critical. The IGP Specialty Builder’s Risk Program helps safeguard against financial losses throughout the construction process — from groundbreaking through certificate of occupancy. Whether you’re building single-family homes or multimillion-dollar office complexes, our program offers tailored risk management solutions designed for the unique needs of the construction industry. Key Advantages Comprehensive AAIS coverage forms Available on a ground-up, primary or quota share basis Delay in completion coverage for soft costs, rental and business income Project-specific coverages Expertise in complex property risks and large-scale projects, including layered placements and multiple carriers Low minimum premiums, flexible policy periods (3–36 months) and competitive pricing Fast quote–bind–issue capabilities and responsive claims service Personalized support from experienced construction insurance professionals Target Classes Residential (1–4 family dwelling) Apartments, condominiums, group homes, and assisted living facilities Commercial (offices, mercantile, and retail) Hospitality (hotels and motels)Institutional (schools, hospitals, municipal, and correctional facilities) Institutional (schools, hospitals, municipal, and correctional facilities) Coverages Fire Theft Vandalism Wind, earthquake, and flood Installation floater Installed equipment Permanent fencing and foundations Debris removal Fire department services Trees, shrubs, and plants Pollution cleanup Transit Temporary storage Program Information Builder’s Risk Extension Questionnaire Builder's Risk New Ground-Up Construction Supplemental Builder's Risk Prior Start Supplemental Builder’s Risk Program Fact Sheet Builder’s Risk Program Highlights Builders' Risk Renovations Supplemental Contact Us As an industry leader, IGP Specialty provides coverage for highly complex property risks and large-scale projects, including those requiring multiple carriers and layered coverage. Our program offers low minimum premiums, flexible policy periods of three to 36 months, and highly competitive pricing. Our systems allow our teams to quote, bind, and issue a policy quickly and accurately and our service team provides fast, efficient claims handling. When working with IGP Specialty, you receive personalized service from knowledgeable professionals with decades of insurance expertise in the construction industry. Please submit loss run requests to [email protected].

Overview of the Program From PMC Insurance Group PMC Insurance Group writes Carpentry Workers Compensation Insurance with programs that can begin as low as $2,000. This wholesale-broker program is designed for agents and brokers placing artisan and carpentry exposures across a broad range of classes. Carriers and terms vary by risk and state, and PMC provides underwriting access and placement support for eligible accounts. Ideal Accounts and Appetite Small to mid-sized carpentry and finish-trade contractors Typical classes: Carpentry, Framers, Flooring, Cabinetry, Drywall & Wallboard Installation, Painting and Paper Hanging, Interior Painting (residential & commercial) Artisan contractors with at least 1 full-time employee and a minimum payroll of $25,000 Accounts with elevated experience modification factors (high mods) are considered — underwriting review required Coverage Highlights and Advantages Workers compensation capacity for a wide set of carpentry and interior-trade classes Multiple carrier options — PMC works with varying markets to secure competitive terms Pay-as-you-go premium payment solutions available to help insureds manage cash flow and audit exposure Program suitable for both residential and light commercial interior work Underwriting Notes and Submission Requirements Underwriters typically look for clear payroll documentation and recent loss history. Key program qualifiers and restrictions: Qualification: minimum of 1 full-time employee and at least $25,000 in payroll Starting premium: policies can be written starting at $2,000; final minimum premium varies by carrier and state Ineligible risks: work with height exposures over two stories and roofing risks are not accepted High experience mods are accepted on a case-by-case basis — provide loss history and explanatory notes Required submission items: Completed ACORD application 3–5 years of loss runs Experience Mod (Mod) sheet Example Accounts That Fit This Program A cabinetry contractor with $40,000 payroll, primarily performing residential installations and light commercial millwork — lower height exposures, steady loss history. An interior finishing crew specializing in drywall and painting for multi-unit residential projects (under two stories) with a recent high mod — underwriting review for acceptance with tailored terms and pay-as-you-go available. Territories and Availability Availability: All Available States. This program currently writes accounts in the following jurisdictions: AL, AZ, AR, CA, CO, CT, DE, FL, GA, 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, TN, TX, UT, VT, VA, WA, DC, WV, WI. Final placement and admitted/non-admitted options depend on carrier appetite and state rules. Why Work With PMC Insurance Group on Carpentry Workers Compensation Wholesale broker placement expertise across multiple carriers for carpentry and artisan trades Flexible solutions for small contractors, including pay-as-you-go and consideration of higher-mod accounts Clear submission requirements that speed underwriting decisions when provided in full Access to markets that understand construction-aligned exposures and payroll dynamics for interior trades For more information about this Carpentry Workers Compensation Insurance program and placement options, please visit pmcinsurance.com or submit the required underwriting documentation through your usual wholesale channel. Frequently Asked Questions What types of carpentry exposures does PMC accept?PMC accepts a broad range of interior carpentry and finish-trade classes including carpentry, flooring, framers, cabinetry, drywall & wallboard installation, and painting. Roofing and work over two-story height exposures are not eligible. What are the minimum qualifications to submit an account?Accounts generally need at least one full-time employee and a minimum payroll of $25,000. Provide a completed ACORD, 3–5 years of loss runs, and the current Mod sheet for best consideration. Can accounts with high experience modification factors be placed?Yes. High-mod accounts are considered on a case-by-case basis. Include loss runs and any risk-control measures taken to improve underwriting outcomes. Are pay-as-you-go options available?Yes. PMC offers pay-as-you-go premium payment solutions through participating carriers to help insureds manage cash flow and reduce audit volatility. Which states and carriers are available?The program is available in all listed states (see storefront for full list). Carriers vary by state and risk profile; final admitted/non-admitted placement depends on carrier appetite and regulatory requirements. Need help placing an account? Connect with a market specialist.

Overview of the Vacant Dwelling Insurance Program from Jacobs & Associates Jacobs & Associates provides a targeted Vacant Dwelling Insurance program for residential and commercial buildings that are temporarily unoccupied. As an Excess & Surplus Lines broker, Jacobs & Associates places hard-to-place vacant properties through non-admitted carriers, giving you access to flexible short-term solutions when standard markets are not an option. Ideal Accounts and Appetite This program is designed for agents and brokers who need short-term protection for vacant properties. Typical fits include: Vacant single-family homes, duplexes, and multi-family units with or without renovations Vacant commercial buildings (retail, office, light industrial) undergoing renovation or between tenants Builders risk for residential or commercial projects during short construction or renovation periods Accounts that generally do not fit include properties requiring flood or earthquake-only coverage enhancements, accounts with significant prior losses that remain open, or operations with ongoing occupancy and regular business activities. Coverage Highlights and Advantages Jacobs & Associates uses ISO forms to provide clear, standardized coverage. Key policy elements include: Building & Personal Property – CP 00 10 Builders Risk – CP 00 20 Condo Unit Owners – CP 00 18 Basic Causes of Loss – ISO CP 10 10 Premises Liability – ISO CG 00 01 Important underwriting limitations: this program excludes coverage for theft and water damage. Use it when you need property and liability protection for short vacancy periods but can accept those exclusions. Policy Terms, Deductibles, and Minimums Available term options: 3-, 6-, or 12-month policies. Quarterly installment plans are available on 12-month policies. Standard deductibles: Property (no renovations): $250 per occurrence Property (with renovations): $500 per occurrence Liability: $250 per occurrence Minimum retained premiums vary by term: annual, six-month, and three-month policies all include minimum retained amounts (see your underwriter for specifics and applied minimums on each placement). Territories and Non-Admitted Positioning This Vacant Dwelling Insurance program is currently available to agents placing risks in Ohio (OH). Jacobs & Associates operates as an Excess & Surplus Lines broker, placing business in the non-admitted market when standard admitted options are unavailable or unsuitable. Underwriting Notes and Submission Tips Provide a clear vacancy timeline and details of any renovation work—underwriting differentiates between passive vacancy and active construction. Include prior loss history for the property and any active or recent claims related to water, theft, or vandalism. Photos of the property (interior and exterior), contractor details for renovations, and a schedule of values for builders risk submissions help speed approval. Expect stricter underwriting when properties are vacant for extended periods or located in higher-risk areas. Why Work With Jacobs & Associates Jacobs & Associates specializes in placing challenging vacant property risks through a range of non-admitted carriers. Their strengths for agents include: Access to multiple E&S markets for hard-to-place vacant dwellings and builders risk Clear use of ISO forms so coverage scope is predictable and consistent Flexible short-term policy terms and payment options to match transaction timelines Underwriting that accommodates properties with controlled renovation activity Example Scenarios You might have a client who owns a vacant duplex while waiting for a sale and needs short-term property and liability protection without committing to a long-term policy. Or, a commercial investor renovating a small retail strip center requires builders risk and premises liability coverage between tenants—this program can provide a temporary solution while renovations are completed. Learn more about Jacobs & Associates on their CompleteMarkets profile. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include vacant residential homes and duplexes, commercial buildings between tenants or under renovation, and short-term builders risk for both residential and commercial projects. Is this program available outside of Ohio?No. This Vacant Dwelling Insurance program is currently offered only for risks placed in Ohio. Are theft and water damage covered under this policy?No. The program excludes coverage for theft and water damage, so consider additional or alternative coverage if those perils are a concern. Can I get coverage for a property undergoing renovations?Yes. Both residential and commercial properties with active renovations are eligible, but underwriting will require details about the scope of work and contractor controls. What are the available policy terms?Policies may be written for 3, 6, or 12 months. Quarterly payment plans are available on 12-month policies. Need help placing an account? Connect with a market specialist.

Expertise. Solution. Service. MAXIMUM offers a robust Builders Risk Insurance program designed specifically for contractors, developers, and property owners. As a wholesale broker with access to both admitted and non-admitted carriers, MAXIMUM combines deep construction-market knowledge, flexible underwriting, and broad market access to deliver tailored solutions for projects across the United States. Ideal Accounts and Appetite This program fits a wide range of residential, commercial, and public-sector construction and renovation projects. MAXIMUM places everything from single-site builder reporting forms to complex multi-building habitational projects and large commercial developments. Target classes include: 1–4 family dwellings, including homebuilders using reporting forms Apartments, condominiums, hotels, and motels Hospitals, assisted living facilities, and group homes Retail, restaurants, and office buildings Schools, municipalities, and correctional facilities Bridges, tunnels, and manufacturing facilities All habitational classes, including complex multi-building sites Example fits: a developer building a mixed-use apartment/retail complex, or a contractor performing a large renovation of a historic hotel that requires protection for existing structures as well as new work. Coverage Highlights and Advantages MAXIMUM’s Builders Risk program delivers broad, all-risk protection that can be customized by project size, duration, and location. Policies may be issued on a project-specific or master program basis to suit frequent builders or single large projects. Limits up to $150 million per risk (non-CAT), depending on construction type and occupancy Admitted and non-admitted placement options nationwide Flexible policy terms (3–36 months) and multi-year single project options All-risk coverage subject to policy exclusions Coverage for existing structures during renovations Standalone wind, flood, and earthquake (CAT) coverage available Deductible buy-downs for CAT exposures where appropriate Delay in completion coverage for soft costs, rental income, and business income Mono-line contractors equipment, riggers’ liability, and equipment floaters Underwriting Notes and Program Structure Policies are typically written ground-up (100% written) and can be structured as primary, excess, or quota-share placements. Reporting form programs and multi-year single project policies are available for ongoing builds. MAXIMUM also administers Builders Risk master programs for contractors and developers with frequent or complex placements. Underwriting considers construction type, site security, project controls, and CAT exposure. While the program is broad, high-risk operations with poor loss controls or projects in extreme CAT zones may require alternate placement or additional terms. Territories and Availability Available in most states — MAXIMUM works with both admitted and non-admitted carriers to provide coverage across the U.S., subject to carrier guidelines and individual project characteristics. Common placements include CA, FL, TX, NY, IL, and GA, among others. Why Work With MAXIMUM? MAXIMUM offers agents and brokers responsive underwriting, strong carrier relationships, and solutions oriented to construction risks. Whether you need a quick quote for a single project or a managed master program for a repeat builder, MAXIMUM provides the market access and program structure to get accounts placed efficiently. Contact MAXIMUM by phone or email to discuss a specific account or to arrange submission requirements. We focus on delivering practical, market-driven solutions for Builders Risk exposures. Frequently Asked Questions What types of accounts are a good fit for MAXIMUM’s Builders Risk program?Residential homebuilders, commercial developers, and contractors working on new construction or renovation projects — including habitational, retail, healthcare, infrastructure, and municipal builds — are ideal candidates. Does the program cover renovations involving existing structures?Yes. MAXIMUM can include the existing structure in the Builders Risk policy to provide protection during renovation or retrofit projects. Are catastrophe perils like wind, flood, and earthquake available?Yes. Standalone CAT coverage for wind, flood, and earthquake is available, and deductible buy-downs can be arranged depending on the project and location. Can I place multi-year or reporting form policies?Yes. Policy terms run from 3 to 36 months, with multi-year single project options and reporting form programs for ongoing construction schedules. Is coverage available nationwide?MAXIMUM works with admitted and non-admitted carriers to place Builders Risk in most states. Availability in a particular state or for a specific risk depends on carrier appetite and project characteristics. Need help placing an account? Connect with a market specialist.

No matter where your client is located, Phoenix Risk Management provides a flexible, competitive stand-alone Workers' Compensation Insurance program designed to help you place even the most challenging risks. We give independent agents and brokers access to a broad array of Workers’ Compensation markets and coverage structures through multiple A-rated carriers. Whether you’re working with a new venture, a high-mod account, or a business with lapses in coverage, our goal is to find the right fit for your client’s needs quickly and efficiently. We offer a variety of plan options, including: Guaranteed Cost Plans Deductible and Loss Sensitive Plans Self-Insurance for Groups and Individuals Captive Programs Minimum premiums starting at $500.00 Solutions for special situations: - Mid-term cancellations - Lapsed coverage - New ventures Ideal Accounts and Appetite Phoenix Risk Management underwrites a wide range of Workers’ Compensation classifications. With our carrier relationships, we place standard and preferred risks as well as harder-to-place business. Common fits include contractors, healthcare providers, hospitality, light manufacturing, transportation, and retail operations. You might have a client who recently started a business and is struggling to find market capacity, or an established operation that had a lapse in coverage or elevated experience mods. Our program is structured to give those accounts multiple paths to placement. Coverage Highlights and Advantages Access to hundreds of WC class codes Multiple A-rated carrier options to match client needs Wide range of plan structures: guaranteed cost, deductible, loss-sensitive, and captive solutions Ability to handle complex or distressed risks, including mid-term and lapse situations Fast, responsive underwriting and placement support for brokers Underwriting Notes and Submission Requirements To start a submission, include the following: Signed ACORD application Completed supplemental application Loss runs (current year + previous 4 years preferred), valued within 90 days of the effective date Aggregate payroll history to match the loss years Minimum premiums commonly start around $500, but final minimums vary by class code, state, and other risk factors. Underwriting may request additional documentation depending on the account. Territories and Availability Our Workers’ Compensation program is available in all states, including Washington, DC. We can place admitted and non-admitted solutions depending on the client’s state and needs. Why Work With Phoenix Risk Management? Phoenix Risk Management gives independent agents access to broad carrier capacity and flexible plan designs for Workers’ Compensation. We specialize in finding placement strategies for accounts that need more than a single market — from newly formed businesses to higher-mod or distressed risks. Our underwriters move quickly, provide practical underwriting guidance, and coordinate placement across admitted and non-admitted markets. Send submissions to: [email protected] Contact us to discuss a specific account or to learn how our national Workers’ Compensation solutions can help you secure coverage for your insureds. Frequently Asked Questions What types of accounts are a good fit for this program?We place a wide range of accounts, including contractors, healthcare, retail, light manufacturing, and transportation. We also consider new ventures and businesses with lapsed coverage. Are options available for clients with high experience mods or loss histories?Yes. We offer loss-sensitive plans and have access to carriers that will consider higher-mod or otherwise distressed risks. What is the minimum premium for this program?Minimum premiums commonly start at $500, but they can vary by class code, state, and other risk factors. Do you offer coverage in all states?Yes. Our Workers' Compensation program is available in all 50 states plus Washington, DC, with admitted and non-admitted options as appropriate. What documents are needed to submit a risk?Provide a signed ACORD application, the supplemental application, current loss runs (valued within 90 days), and payroll history that matches the loss years. Need help placing an account? Connect with a market specialist.

Construction Insurance Allstar Underwriters, a division of Allstar Financial Group, offers a specialized Construction Insurance program designed to help agents place business with a wide range of construction-related risks. As a Managing General Underwriter and Excess & Surplus Lines Broker, Allstar provides flexible underwriting options and responsive service tailored to the needs of contractors and related industries. Our Small Business Solutions division streamlines the quoting and binding process, making it fast and efficient for agents to secure coverage for their clients. Whether your insured is a general contractor, a subcontractor, or operates in associated fields like retail buildouts or tenant improvements, we offer scalable solutions to meet their risk profiles. Ideal Accounts and Appetite This program is well-suited for a variety of construction and real estate-related risks, including: Contractors (general and trade-specific) Habitational properties Office buildings Vacant properties Retail and wholesale spaces Institutional facilities You might have a client who operates a small general contracting firm with occasional use of uninsured subcontractors—this program can offer the flexibility and coverage enhancements to help manage their liability exposures. Coverage Highlights and Advantages Casualty Coverage: Available as monoline or part of a package Minimum premium starting at $500 Primary liability limits up to $5 million per occurrence/$5 million aggregate Project-specific policies available Coverage available for accounts with uninsured subcontractors Optional enhancements, including: Blanket Additional Insured Waiver of Subrogation Primary & Non-Contributory wording Per Project/Per Location Aggregate Limits Hired & Non-Owned Auto (certain classes) Miscellaneous Professional Liability (certain classes) Umbrella Coverage: Limits available up to $5 million Minimum premium starting at $750 Supported or unsupported options Underwriting Notes and Minimum Premiums Allstar works with multiple carriers and can access both admitted and non-admitted markets, depending on the risk and state. Minimum premiums vary by type of coverage and account profile, but start as low as $500 for casualty and $750 for umbrella. Underlying carrier requirements include: Auto or GL carriers rated A-VI or better by AM Best Employers Liability carriers rated B++ or better Standard GL requirements: $1M/$2M/$2M Territories and Availability This program is available in most states, with a strong presence in the Southeast. States currently targeted include: AL, GA, LA, MS, NC, SC, TN, and VA. Why Work With Allstar Financial Group Allstar Financial Group brings deep expertise in construction-related insurance and offers agents a streamlined way to place challenging or niche accounts. With access to multiple carriers and a dedicated underwriting team, Allstar provides responsive service, competitive pricing, and flexible options that help you serve your clients more effectively. Whether you're placing a ground-up construction project, a rehab of a vacant property, or a contractor with complex subcontractor exposures, Allstar is a reliable partner for construction insurance solutions. Frequently Asked Questions What types of construction risks are eligible for this program?The program targets contractors, habitational risks, offices, vacant buildings, retail/wholesale spaces, and institutional properties. Can I place accounts with uninsured subcontractors?Yes, the program accepts certain risks with uninsured subcontractors and offers optional coverage enhancements to address this exposure. Are project-specific policies available?Yes, project-specific general liability policies are available as part of the construction insurance offerings. What is the minimum premium for coverage?Casualty coverage starts at a minimum premium of $500, while umbrella coverage starts at $750. Actual premiums may vary based on the account. Which states is this program available in?The program is available in AL, GA, LA, MS, NC, SC, TN, and VA, with broad access in most other states. Need help placing an account? Connect with a market specialist.

Commercial Auto Liability Insurance Transportation Risk Services (TRS) offers a focused Commercial Auto Liability Insurance program for retail agents and brokers placing transportation-related risks. As a Managing General Agency and Excess & Surplus Lines broker, TRS provides access to both admitted and non-admitted paper through an A+ (Superior) rated carrier, giving you underwriting flexibility and financial strength across a broad range of accounts. Ideal Accounts and Appetite TRS places both standard and hard-to-place commercial auto liability risks. The program fits a wide range of transportation classes, including: Contractor fleets New ventures with well-documented business plans Cement mixers and building materials dealers Courier and delivery services (parcels & documents) Container haulers and sand & gravel haulers Ambulance services (emergency and non-emergency) Hotel/motel courtesy vans and airport shuttles Taxis, limousines, and party buses (no stripper poles) Local and intermediate trucking (up to 500 miles) Selective long-haul fleets (over 40 units) TRS also evaluates niche transportation segments such as prisoner transport, garbage hauling, Drive Away & Toters, and selective fuel haulers. If you have a specialized risk, submit the details—TRS can often find creative placements. Coverage Highlights and Advantages The program offers flexible underwriting supported by an A+ rated carrier. Coverage can be placed on admitted paper in most states and non-admitted where required. Policies are structured to address operational exposures common to trucking, public auto, and specialty transport operations—liability limits, tailored endorsements, and layered programs are available as appropriate. Beyond Auto Liability, TRS can help place related products including Physical Damage, Cargo, General Liability, Garage, Contractor’s Equipment, Warehouse Legal Liability, Umbrella, and Occupational Accident/Contingent Liability. Underwriting Notes and Minimum Premiums The minimum premium for this program is $50,000, so it is best suited for mid-sized to large accounts that need comprehensive liability protection. TRS will consider new ventures that present a solid operating plan and favorable underwriting factors. Accounts with limited prior coverage history may be acceptable if safety controls, loss control programs, and management practices are strong. Unacceptable Risks To preserve underwriting integrity, the following classes are not eligible: Non-owned employee staffing Uber and rideshare services Individual trip risks Visiting nurse services Franchised auto dealers Pizza or fast food delivery Railroad employee transportation Risks with hydraulic fracturing exposure If you are unsure whether a specific class is eligible, contact TRS for clarification. Territories and Availability This program is available in most states, including but not limited to CA, TX, FL, NY, IL, GA, and PA. TRS serves clients nationwide and can place risks in the 48 contiguous states plus AK, HI, and DC, using admitted or non-admitted paper as appropriate. Why Work With Transportation Risk Services Based in Barrington, IL, TRS is a niche MGA and wholesale broker with deep relationships in the trucking and public auto markets. Agents benefit from TRS’s underwriting expertise, market access, and experience structuring layered and specialty programs. TRS provides practical guidance on exposures, loss-control expectations, and submissions to help get challenging accounts placed. Example scenarios where this program performs well: You have a regional contractor fleet of mixed-use trucks with solid safety programs seeking high-limit liability and physical damage options. An ambulance operator expanding into non-emergency medical transport needs combined auto liability and occupational accident solutions and has a detailed training and maintenance plan. Frequently Asked Questions What types of accounts are a good fit for this Commercial Auto Liability program?This program is ideal for contractor fleets, local and intermediate trucking, delivery services, ambulances, taxis, limos, and selective long-haul fleets with more than 40 units. Is this program available to new ventures?Yes. TRS will consider new ventures that present strong business plans, effective safety programs, and sound operational controls. Each submission is reviewed on its merits. What is the minimum premium for this program?Minimum premium starts at $50,000, making the program suitable for mid-sized and larger commercial auto accounts requiring substantive liability limits and coverages. What types of risks are not eligible for this program?Unacceptable risks include Uber/rideshare services, fast food delivery, franchised dealers, visiting nurse services, non-owned employee staffing, and accounts with hydraulic fracturing exposure. In which states is this program offered?TRS offers this program in most states across the U.S., with admitted options where available and non-admitted placements where necessary. 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.