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Protection to Meet Your Needs In recent years, the effects of storm-related flooding on homes and businesses have been catastrophic — even in regions where floods were previously rare. Flooding is a potential threat to many properties, yet standard property insurance policies typically don’t cover it. The IGP Specialty Excess Flood Program can help when the National Flood Insurance Program (NFIP) limits don’t offer sufficient protection to meet your needs. Our program provides clients access to excess flood insurance at stable, competitive rates — even in some high-risk areas that many insurers won’t cover. We work on behalf of the insurance carriers to evaluate your flood exposure, underwrite your risk, and efficiently issue policies based on your unique needs. Our ability to accurately match coverage to clients’ risks helps us keep their premiums reasonable. Using a consultative approach and sophisticated research tools, our flood analysis and placement team can accurately assess your flood-related risk and help you manage exposure. We evaluate your property using Federal Emergency Management Agency (FEMA) maps, aerial photography, wind and water projections, elevation information, and water source and flood zone data. Our program covers building, contents, and associated loss of income coverage, with limits up to $25 million per policy.

...: - Liability is not included - Earthquake/Flood Eligible Property • Offices •...

Wind Deductible Buy Back Coverage from Safehold Spe... limit is $50 million. Is the Wind Deductible Buy Back program admitted?No, this cove...

Commercial Sector Insurance Brokers Offers Vacant Building Insurance Overview of the Program From Commercial Sector Insurance Brokers Commercial Sector Insurance Brokers offers a focused Vacant Building Insurance program designed for independent agents who need reliable markets and practical underwriting for vacant or unoccupied commercial buildings. As a wholesale broker with longstanding relationships across multiple markets, we work with agents to secure property, liability and ancillary coverages for a range of vacant exposures — from short-term between-tenant gaps to longer-term redevelopment projects. Ideal Accounts and Appetite This program is best suited for commercial buildings that are currently vacant but have a clear plan for re-occupancy, sale, renovation or demolition. Typical classes we place include: Retail strip centers and standalone storefronts Small office buildings and professional suites Light industrial and warehouse space Multi-tenant commercial blocks and mixed-use properties Properties undergoing renovations or marketing for lease/sale We typically decline locations with active vandalism, extensive deferred maintenance, or confirmed condemned status. Complex environmental hazards, unknown occupancy histories, or severe arson history may require placement in specialty markets. Coverage Highlights and Advantages Property coverage tailored to vacant risks, including options for building, contents, and debris removal. Optional limited liability and premises liability coverage where available to address third-party exposure during vacancy. Flexible terms for vacancy periods, renovation timelines, and soft costs exposure during redevelopment. Access to 7+ underwriting markets experienced with vacant exposures, providing competitive placement options. Admitted placements available in some states; non-admitted solutions can be arranged when appropriate. Underwriting Notes and Minimum Premiums Underwriters will evaluate: reason for vacancy, length of vacancy, property condition, location, value, prior loss history, and loss control measures in place (e.g., active monitoring, boarded windows, sprinkler/alarms). Typical information to provide with submissions: Completed ACORD applications and property schedules Photos showing building condition and security measures Planned timeline for re-occupancy or disposition Loss runs for the past 3–5 years Minimum premium: $5,000. Higher limits, specialty coverages, or adverse loss history may increase the premium or require placement with a specific market. Territories and Availability This program is available through Commercial Sector Insurance Brokers across the following states: AL, AK, AZ, AR, CA, CO, FL, GA, ID, IL, IN, IA, KS, KY, LA, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, SC, TN, TX, UT, VA, WA, WV, WI, WY. Admitted paper is available in some states; non-admitted solutions are used where needed. Why Work With Commercial Sector Insurance Brokers on Vacant Building Risks As a wholesale broker, Commercial Sector Insurance Brokers combines market access with hands-on underwriting guidance. We help you prepare submissions to increase placement success and can often offer multiple market options so you can choose the best fit for your client’s tolerance and budget. Our team focuses on pragmatic solutions for sensitive vacant-property exposures and supports short timelines for binding coverage where necessary. Example Account Scenarios You have a client who owns a two-story retail building left vacant after a tenant departed; they plan a cosmetic renovation and relisting. We can pursue short-term vacant coverage with limits sized to the building value and include basic liability during contractor work. A landlord holds a vacant warehouse while negotiating a long-term lease. With updated security and monitored alarms, we can seek competitive property-only or broader packages through our vacancy markets. Please call Commercial Sector Insurance Brokers today for more information and to discuss specific submissions. Frequently Asked Questions What types of vacant properties are a good fit for this program?Properties with a documented plan for re-occupancy, renovation or sale are ideal: retail storefronts, small offices, light industrial buildings, and mixed-use commercial blocks. Buildings with active demolition orders, confirmed condemnation, or significant unresolved environmental issues are typically not a fit. What minimum information should I include with a submission?Provide a completed ACORD application, current photos showing the building condition and security, a description of the vacancy reason and expected timeline, and loss runs for the last 3–5 years. The clearer the plan for the property, the better the placement options. Are admitted policies available?Admitted policy options are available in some states; where admitted coverage isn’t available or not competitive, we place non-admitted paper. Availability depends on state regulation and the specific risk profile. Is there a minimum premium or account size?The program’s minimum premium is $5,000. Final pricing depends on the building value, location, loss history, and the coverages requested. How many markets do you access for vacant risks?We work with 7+ markets experienced with vacant-building exposures, allowing us to present multiple options and select the best placement for each client. Need help placing an account? Connect with a market specialist.

... No Size Restrictions Lower Earthquake Deductible to 5% Available in C...in California who already carry an earthquake policy and want to reduce their deductible exposure on residential properti...

To help manage costs of high wind deductibles, Program Brokerage Corporation has access to a "Wind & Hail Deductible Buy Down" insurance program unwritten by a...ommercial Construction Other Buy Down Options Available: Percen...

...urrence policy forms Flexible deductible or self-insured retention options ...

Inland Marine / Contractors' Equipment Insurance Available Though Commercial Sector Insurance Brokers Commercial Sector Insurance Brokers works closely with retail agents to place inland marine and contractors' equipment exposures for a wide range of construction and trade clients. We understand that equipment schedules are major assets for contractors — large, expensive items are typically scheduled while smaller items and tools are often written on a blanket limit. Our markets can provide all-risk or broad named-perils wording depending on the account's needs, with options for agreed value, replacement cost, transit, off-site storage, rented equipment and rental reimbursement. Overview of the Program From Commercial Sector Insurance Brokers This wholesale program gives agents access to multiple admitted and non-admitted carriers that specialize in inland marine and contractors' equipment. We place schedules for high-value units, blanket limits for small tools and instruments, and tailored packages for contractors that combine equipment coverage with transit and on-site exposures. Underwriting emphasizes accurate schedules, preventive maintenance, theft controls and usage information to secure competitive terms. Ideal Accounts and Appetite - Heavy equipment owners/operators (excavators, loaders, graders, forklifts) - Subcontractors and specialty trades (landscaping, paving, utilities, demolition) - Equipment rental businesses and mobile tool fleets - General contractors with mixed schedules and on-site exposures Accounts with documented maintenance, identifiable serial numbers, and theft prevention measures are the best fit. We typically seek to avoid accounts with persistent loss history without mitigation, unknown equipment age/ownership, or exposures better suited to an inland marine single-policy carrier. Coverage Highlights and Advantages - All-risk and broad-named peril forms available - Scheduled equipment on agreed or stated value bases - Blanket limits for tools and small equipment (including employees' tools) - Transit coverage for equipment in transit between job sites - Coverage for rented/leased equipment and rental reimbursement options - Coverage extensions for attachments, spare parts and temporary structures - Flexible territorial options—programs writing in most states listed below Underwriting Notes and Minimum Premiums Underwriters expect accurate equipment schedules, age and serial number information, theft controls and evidence of routine maintenance. Operators and usage (owner-operated vs. hired operators) are considered. Minimum premium for placement through this program is typically $5,000; accounts below that threshold may require alternative markets or modified coverage. Because offerings include admitted and non-admitted markets, filability and local regulation will be addressed on a state-by-state basis. Territories and Availability Most Available States. This program writes in: AL, AK, AZ, AR, CA, CO, FL, GA, ID, IL, IN, IA, KS, KY, LA, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, SC, TN, TX, UT, VA, WA, WV, WI, WY. Specific coverage options and admitted vs. non-admitted capacity will vary by state and by carrier. Why Work With Commercial Sector Insurance Brokers As a wholesale broker, Commercial Sector Insurance Brokers brings established carrier relationships and experience placing sensitive equipment schedules. We help agents package submissions, identify the best markets in our panel of 10+ carriers, and negotiate terms that reflect the client's loss controls and asset values. Our team is practiced at handling multipart schedules, inland transit exposures and blended packages that combine scheduled and blanket limits. Example Accounts That Fit This Program - Example 1: You have a mid-size excavation contractor with a fleet of excavators and loaders plus a hundred small tools. The contractor needs scheduled values for heavy units and a blanket limit for tools with transit coverage between job sites. - Example 2: You represent a regional equipment rental company that rents compactors and trenchers. The client needs agreed-value schedules, coverage for rented-out equipment, and coverage for hired operators. Please Call Today For More Information. Frequently Asked Questions What types of accounts are a good fit for Commercial Sector’s inland marine program?Clients with scheduled heavy equipment (excavators, cranes, loaders), contractors with a mix of scheduled and small tools, and equipment rental businesses are ideal. Accounts with good maintenance records, serial-numbered schedules and theft controls place best. Can this program provide transit and rented-equipment coverage?Yes. Transit coverage between job sites and optional rented/leased equipment coverage and rental reimbursement can be included depending on the carrier and the state's admitted/non-admitted options. What information should I include in a submission to get an accurate quote?Provide a detailed equipment schedule (description, age, serial/VIN, value), recent loss history, maintenance practices, theft-prevention measures, and how equipment is used (owner-operated, hired operators, rental). This helps underwriters offer the most favorable terms. Need help placing an account? Connect with a market specialist.

Environmental and pollution risks can have a devastating financial impact on your clients—especially in today’s climate of heightened environmental awareness and regulatory scrutiny. Commercial Sector Insurance Brokers offers a robust Environmental / Pollution Insurance program designed to help you place business for clients who face these unique exposures. As an experienced Excess & Surplus Lines Broker, Commercial Sector Insurance Brokers partners with 7+ top-rated carriers who specialize in environmental and pollution liability coverage. This allows us to offer tailored solutions for a wide range of industries and risk profiles, including the ability to combine pollution coverage with Commercial General Liability and Professional Liability when needed. Ideal Accounts and Appetite Our environmental/pollution markets are well-suited for a diverse set of industries. Target accounts include, but are not limited to: Environmental consultants and engineers Contractors involved in remediation, waste hauling, or demolition Manufacturing and industrial operations with onsite chemical or pollutant usage Oil and gas contractors, including spill response teams Property owners with known or potential contamination issues You might have a client who operates a waste transfer station or manages above-ground storage tanks—these are the types of accounts we can help you place. Whether your insured is working with hazardous materials or simply exposed to environmental liability through past property use, we can assist. Coverage Highlights and Advantages Commercial Sector Insurance Brokers can provide access to standalone Environmental / Pollution Liability policies or package them with other critical coverages. Coverage types include: Contractors Pollution Liability (CPL) Premises Pollution Liability Professional Liability for environmental service providers Transportation Pollution Liability Site-specific Environmental Impairment Liability This flexible approach allows you to match coverage to your client’s unique operations and exposures. We work closely with our carrier partners to ensure competitive terms and thoughtful underwriting, even on complex or distressed risks. Underwriting Notes and Minimum Premiums This program is offered on a non-admitted basis across all available states. The minimum premium starts at $2,500, and underwriting will consider a range of factors such as operations, prior losses, and environmental exposure levels. Submissions should include a completed environmental/pollution application, current loss runs, and any relevant site assessments or operational details to ensure a smooth quoting process. Territories and Availability Our Environmental / Pollution Insurance program is available in the following states: AL, AK, AZ, AR, CA, CO, CT, FL, GA, ID, IL, IN, IA, KS, KY, LA, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, SC, TN, TX, UT, VA, WA, WV, WI, WY Why Work With Commercial Sector Insurance Brokers? With access to 7+ specialized markets and deep expertise in environmental risks, Commercial Sector Insurance Brokers is your go-to partner for hard-to-place or specialty pollution accounts. We understand the nuances of this complex coverage line and offer responsive support, competitive pricing, and creative packaging options. Whether your client needs a quick solution for a standard pollution exposure or a custom-crafted policy for a complex site, we’re ready to help. Please call today for more information. Frequently Asked Questions What types of accounts are a good fit for this Environmental / Pollution Insurance program?This program is ideal for contractors, consultants, and facilities involved in environmental services, manufacturing, remediation, waste management, or any operation with pollution exposures. Can pollution coverage be packaged with other lines?Yes, in many cases we can package pollution coverage with Commercial General Liability and Professional Liability, depending on the insured’s operations and underwriting requirements. Is this program admitted or non-admitted?This program is offered on a non-admitted basis in all available states. What is the minimum premium for this program?The minimum premium starts at $2,500, though final pricing depends on the risk profile and coverage selected. What documents are needed for a submission?We typically require a completed application, current loss runs, and any relevant environmental assessments or site details to begin underwriting. Need help placing an account? Connect with a market specialist.

Commercial Sector Insurance Brokers Provides Alternative Solutions For Trucking Insurance Commercial Sector Insurance Brokers offers targeted solutions for trucking insurance accounts that don't fit the standard market. As a general agency and excess & surplus lines broker, we specialize in hard-to-place risks and provide access to multiple carriers (5+), giving agents flexible options for their transportation clients. Overview of the Program From Commercial Sector Insurance Brokers Our Trucking Insurance program is designed for agents seeking alternatives for their clients in the commercial trucking space. Whether you're working with long-haul operators, regional carriers, or specialized freight haulers, we can help provide coverage options for tough or non-standard accounts. We focus on non-admitted markets with select admitted options available, depending on the risk and state. Ideal Accounts and Appetite We write a wide variety of trucking-related risks, including: For-hire trucking operations (local, intermediate, or long-haul) Owner-operators and small fleets Freight haulers transporting general commodities Specialized trucking risks with unique exposures We do not write Commercial Auto Liability coverage but can often assist with other critical lines for trucking accounts. Example: You might have a client who owns a small fleet transporting perishable goods across state lines but has a loss history making standard markets unavailable. We can help you place coverage for their Physical Damage, Cargo, and Excess Auto needs. Coverage Highlights and Advantages Coverage lines available through our program include: Physical Damage Motor Truck Cargo General Liability Excess Auto Pollution Liability specific to trucking operations Our access to multiple markets allows us to tailor solutions to fit a wide range of risk profiles. We’re positioned to help agents find competitive alternatives when standard carriers decline or non-renew trucking accounts. Underwriting Notes and Minimum Premiums Minimum premiums for this program start at $5,000. We evaluate each submission based on the risk characteristics, loss history, type of cargo, radius of operations, and other underwriting criteria. We welcome challenging submissions and will work closely with agents to find the best available options. Territories and Availability This program is available in most states across the U.S., including but not limited to: CA, TX, FL, NY, IL, GA, PA, and WA. In total, we write in over 45 states—see our full list for details. Admitted markets may be available in some states, but most placements will be through non-admitted carriers. Why Work With Commercial Sector Insurance Brokers? We bring deep expertise in placing trucking-related risks and focus on helping independent agents succeed in the E&S space. Our team is responsive, knowledgeable, and committed to finding practical solutions for non-standard accounts. With access to 5+ carriers and flexible underwriting, we can help you provide your clients with competitive, well-structured coverage—even when traditional markets fall short. Please call today for more information on how we can support your trucking insurance placements. Frequently Asked Questions What types of accounts are a good fit for this Trucking Insurance program?This program works well for for-hire trucking operations, owner-operators, small to mid-sized fleets, and specialized freight haulers—especially those that may not qualify for standard markets. What coverages are available through this program?We offer Physical Damage, Motor Truck Cargo, General Liability, Excess Auto, and Pollution Liability. We do not provide Commercial Auto Liability coverage. Are admitted markets available?Some admitted markets may be available depending on the risk and state, but most placements are handled through non-admitted carriers. What is the minimum premium required?The minimum premium for this program is $5,000, with final pricing based on the specific risk characteristics. In which states is this program available?We write in over 45 states including CA, TX, FL, NY, IL, GA, and many others. Please contact us to confirm availability in your state. Need help placing an account? Connect with a market specialist.