Search CompleteMarkets

...antile operations Receivers / Chapter 11 situations Contractors E... property coverage. Receivership and chapter 11 situations are also within appetite ...

...roperties. Challenging Risks: Chapter 11, Debtor in Possession, Forced Placed pr...

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.

Vacant Property Coverages — Bailey Special Risks, Inc. Bailey Special Risks, Inc. offers a focused vacant property program built for independent agents and brokers who need short-term Property and General Liability protection for unoccupied buildings. This program places coverage with United States Liability Insurance Group and is designed to simplify placement for vacant residential, commercial and mixed-use properties that will remain unoccupied for defined terms or are undergoing minor renovation. Overview of the Program The Vacant Property Coverages program provides standalone Property and General Liability insurance tailored for vacant risks. Policies can be written for 3, 6, 9 or 12 month terms, with flexibility to renew as needed. There is no restriction on the length of vacancy — the program accommodates long-term vacancy as well as short-term transitions. Coverage can also be offered where the insured has limited on-site work or minor renovations underway. Ideal Accounts and Appetite This program is a fit when you need a straightforward market for: Vacant single-family homes, vacant condos and small multi-family buildings Vacant retail, office or light industrial units awaiting tenancy Properties undergoing limited or cosmetic renovation (no major structural or contractor-driven gutting) Owners preparing a property for sale or transferring ownership Typical risks that place well are properties with reasonable security measures (locks, boarded windows where appropriate, periodic inspections) and no recent history of significant property damage or arson-related losses. Coverage Highlights and Advantages Property and General Liability packaged for vacant buildings — designed to close coverage gaps when standard homeowners or commercial policies are not available. Flexible term options: 3, 6, 9 or 12 months to match the insured’s timeline. No restriction on total length of vacancy, allowing continuity for long-term vacant holdings. Accepts risks with minor renovation activity; helps migrate exposures while work is limited and supervised. Competitive entry premiums — premiums advertised to start as low as $1,000 plus fee and tax, depending on exposure and state filing. Underwriting Notes and Minimums Underwriters will review recent occupancy history, loss run information, security and maintenance plans, and any remodeling scope. Declinations or cancellations for arson, vandalism or major water losses may affect eligibility. Because underwriting is driven by property condition and loss history, complete submission details improve turnaround time. Premiums vary by state, occupancy type, construction and limits. As noted in program materials, premiums can start as low as $1,000 plus fee and tax; actual terms and minimums will be quoted on submission. Territories and Availability The program is available through Bailey Special Risks’ wholesale platform in the following states: AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, MD, MA, MI, MS, MO, MT, NV, NJ, NY, NC, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, WV, WI, WY. Why Place Vacant Property with Bailey Special Risks, Inc. Wholesale broker expertise that matches vacant exposures with a dedicated carrier (United States Liability Insurance Group). Fast quotes for short-term needs — ideal when a client needs immediate protection while a property is between tenancies or under minor renovation. Clear appetite and flexible terms that help agents move business that might otherwise fall into coverage gaps. Example Scenarios You have a client who owns a three-unit building that has been vacated for tenant turnover and needs protection for 6 months while new tenants are secured. A homeowner is renovating a vacant townhouse (cosmetic upgrades only) and requires property and liability coverage during the work period; this program can provide a short-term policy for that phase. Frequently Asked Questions What types of accounts are a good fit for this vacant property program?Properties that are unoccupied single-family homes, small multi-family units, retail or office spaces awaiting tenancy, or buildings undergoing limited cosmetic renovation are primary fits—provided there is no recent history of major losses or arson. What terms and policy lengths are available?Policies are available for 3, 6, 9 or 12 month terms and can be renewed as needed to match the client’s timeline. Can we insure a property that is undergoing renovation?Yes—this program will consider risks with minor or cosmetic renovations. Major structural work, extensive contractor operations, or full gut rehabs may require a different placement or additional underwriting detail. Are there minimum premiums or price points agents should expect?Premiums depend on state, construction, exposure and limits. Program materials indicate premiums can start as low as $1,000 plus applicable fees and tax; final pricing is determined at quote. Which states are eligible for this program?The program is available in AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, MD, MA, MI, MS, MO, MT, NV, NJ, NY, NC, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, WV, WI and WY. Need help placing an account? Connect with a market specialist.

Vacant Property Insurance Program from Ashley General Agency Ashley General Agency offers a specialized Vacant Property Insurance program tailored for both residential and commercial properties that are currently unoccupied. Vacant structures face a higher risk of damage due to vandalism, theft, and other liabilities, making proper coverage essential. This program is designed to help agents and brokers place hard-to-insure vacant risks with confidence through access to reliable carriers and flexible underwriting solutions. Ideal Accounts and Appetite This program is well-suited for: Residential homes between tenants or for sale Commercial buildings awaiting renovation, lease, or sale Newly constructed properties not yet occupied Foreclosed or bank-owned properties Whether your client is a real estate investor, property manager, lender, or individual homeowner, Ashley General can help you place vacant property risks that require specialized attention. Accounts with a moderate to low risk profile and clear plans for future occupancy or renovation are preferred. Coverage Highlights and Advantages Vacant properties are vulnerable to exposures that aren't typically covered under standard property policies. Ashley General’s program provides protection against: Theft and vandalism Trespassing incidents Insect or pest infestation Other liability-related risks unique to vacant structures Coverage can be tailored to short-term or longer-term vacancies, depending on the property's condition and future plans. This flexibility allows agents to match solutions to their clients' timelines and risk scenarios. Underwriting Notes and Minimum Premiums Minimum premium starts at $2,500, with underwriting evaluating factors such as property location, occupancy history, security features, and planned use. Properties with significant damage or unsafe conditions may be outside of appetite, but Ashley General’s experienced underwriters will review borderline cases with a solution-oriented approach. Territories and Availability This program is currently available in Texas. Admitted and non-admitted options may be available depending on the specific risk and carrier placement. Ashley General partners with a range of trusted carriers to find the best fit for each account. Why Work With Ashley General Agency Ashley General Agency is a Managing General Agency (MGA) and Excess & Surplus Lines Broker with deep experience in specialty property risks. Agents gain access to multiple carrier options, responsive underwriters, and a streamlined submission process. When you work with Ashley General, you’re partnering with a team that understands the urgency and complexity of vacant property placements. If you have clients with vacant buildings—whether residential or commercial—Ashley General can help you secure the right coverage with minimal turnaround time. Contact us for more information on our Vacant Property Insurance program. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include vacant residential homes, commercial buildings awaiting lease or sale, and properties in transition due to foreclosure or renovation. Is this program available outside of Texas?Currently, this program is only available in Texas. Contact us for updates on future state availability. What is the minimum premium for this program?The minimum premium starts at $2,500, depending on the property type, location, and risk profile. Can I submit properties with prior claims or damage?Properties with prior claims or damage may be considered on a case-by-case basis. Underwriters will evaluate the extent of damage and any mitigation measures in place. What types of coverage are included in the policy?Coverage may include protection against theft, vandalism, trespassing, and liability exposures such as insect infestation, depending on the policy terms. Need help placing an account? Connect with a market specialist.