Search CompleteMarkets

Policy Highlights for Solar Energy Insurance: Colonial General Insuranc... is this program available?The Solar Energy Insurance program is available in ...

...PLI, Insurance Agents, and Home Inspectors! Frequently Asked Questions What ...

Wind Deductible Buyback Insurance Coverage from U.S. Risk Insurance Group, Inc. offers a specialized solution for agents and brokers placing coverage on commercial and residential properties exposed to high wind risks. This program is designed to reduce the financial burden of high windstorm deductibles by providing a buyback layer, making it a valuable tool for clients in Tier 1 and Tier 2 coastal counties. Overview of the Program From U.S. Risk U.S. Risk is a leading Excess & Surplus Lines Broker with deep experience in catastrophe-prone markets. Our Wind Deductible Buyback Insurance program is structured to help agents protect their clients’ assets by covering the portion of a wind deductible that may otherwise be financially devastating. Whether your client owns a single coastal property or a schedule of up to five locations, we provide access to a broad network of carriers and tailored underwriting solutions. Ideal Accounts and Appetite This program is a strong fit for: Commercial buildings including retail centers, office buildings, and industrial facilities Residential properties such as rental homes, condos, and multi-family units Builder’s risk projects in coastal exposure zones We typically target properties located in Tier 1 and Tier 2 counties with high wind exposure, especially those located near water or in hurricane-prone regions. Overlying wind coverage must be in force to qualify for this buyback layer. Coverage Highlights and Advantages Limits of Liability: Up to $1,000,000 Minimum Deductible: $5,000–$10,000 (varies by state, construction type, and proximity to water) Minimum Premium: $2,000 Builder’s Risk Coverage: Available Quick Quotes & Fast Turnaround: Streamlined submission process This program is non-admitted in all available states, allowing for greater flexibility in coverage terms and underwriting. Underwriting Notes and Minimum Premiums We evaluate each risk based on location, construction type, number of stories, distance to coastline, and other property-specific factors. The minimum premium for this program starts at $2,000, and underwriting is available for accounts with deductibles starting at $5,000. Submissions with complete property data and overlying wind policies in force receive faster quote turnaround. Territories and Availability This program is available in the following coastal and wind-prone states: AL, CT, DE, FL, GA, HI, LA, ME, MD, MA, MS, NJ, NY, NC, RI, SC, TX, VA We focus on Tier 1 and Tier 2 counties within these states, where wind deductibles are typically high and clients are especially vulnerable to storm-related losses. Why Work With U.S. Risk on Wind Deductible Buyback U.S. Risk brings extensive knowledge of wind-exposed markets and access to multiple E&S carriers that specialize in catastrophe-driven risks. Our team delivers quick quotes, flexible solutions, and reliable service to help you place challenging accounts efficiently. Whether you’re working with a property owner with a $250,000 wind deductible or a builder developing in a hurricane zone, we can help you secure meaningful protection for your clients. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include residential and commercial properties in coastal Tier 1 and Tier 2 counties, especially those with significant wind deductibles and existing wind coverage in place. Can this coverage be used with Builder’s Risk policies?Yes, Wind Deductible Buyback Insurance is available for Builder’s Risk projects, provided the underlying wind coverage is active. What is the minimum premium for this coverage?The minimum premium starts at $2,000, though pricing may vary based on location, construction, and other risk factors. How many properties can be included in one schedule?This program can accommodate single property risks or schedules of up to five locations. Is this program available nationwide?No, availability is limited to select states including AL, FL, LA, TX, and other wind-prone coastal regions. Refer to the full list above for all eligible states. Need help placing an account? Connect with a market specialist.

Entertainment Insurance – Take1 Take1 is a comprehensive, all-lines insurance program tailored for the live and non-live entertainment industry. Exclusively underwritten by U.S. Risk Insurance Group, Inc., the Take1 program is built to address the unique exposures faced by entertainment businesses. Coverage is placed with domestic, A-rated property and casualty carriers that have a proven track record in the entertainment sector. Whether your client is filming a feature, planning a concert tour, or operating a production rental firm, Take1 delivers industry-specific protection and underwriting expertise. Lines of Coverage Written • Auto – From single vehicles to large fleets • Crime • General Liability • Inland Marine • International coverage • Professional Liability – Including E&O for movies and television • Property • Umbrella • Workers’ Compensation Target Classes of Business Take1 is designed to serve a diverse range of entertainment-related entities. Ideal accounts include: • Independent Production Companies (DICE producers) • Movie and Television Producers • Touring Entertainers • Shell Corporations • Event Planners • Special Events • Audio, Video, Sound, and Lighting Rental & Staging Firms • Entertainment Promoters • Music Venues and Other Event Spaces Whether you're working with a start-up production company or a seasoned national tour, this program accommodates a wide range of operational sizes and risk profiles. Why Choose U.S. Risk and Take1? U.S. Risk is a leading Managing General Underwriter with deep expertise in specialty programs. The Take1 division offers: • Exclusive access to specialized carriers, including Firemans Fund Entertainment Division, OneBeacon, and Taurus Specialty (for umbrella and excess) • Underwriters who understand the nuances of entertainment risks • Flexible program structures tailored to your client’s operations • All available markets, including both admitted and non-admitted solutions Territorial Availability Take1 is available nationwide across all 50 states and the District of Columbia. No matter where your client operates, U.S. Risk has the reach and resources to meet their needs. Example Account Scenarios You might have a client launching a short-term documentary project with international filming locations — Take1 can provide seamless coverage across borders. Or, a music venue hosting weekly shows may need a tailored liability and property package — Take1 offers scalable solutions for venues of all types. Partner With U.S. Risk When you place business through U.S. Risk’s Take1 program, you gain access to experienced underwriters, responsive service, and top-tier carriers. This is your go-to market for entertainment clients seeking comprehensive, competitively priced coverage across a wide range of exposures. Frequently Asked Questions What types of accounts are a good fit for the Take1 Entertainment Insurance program?The program is ideal for independent production companies, touring entertainers, event planners, audio/visual rental firms, promoters, and music-related venues. Can this program cover international exposures?Yes, the program includes options for international coverage, making it suitable for productions and events that operate globally. Are both admitted and non-admitted markets available?Yes, Take1 is placed through all available markets, including both admitted and non-admitted carriers. Which carriers are used in this program?Key carriers include Firemans Fund Insurance Co. Entertainment Division, OneBeacon, and Taurus Specialty for umbrella and excess lines. Is this program available in every state?Yes, the Take1 program is available in all 50 states and the District of Columbia. Need help placing an account? Connect with a market specialist.

Garage 101 U.S. Risk Insurance Group, Inc. offers a specialized Garage Liability Insurance program designed for both dealer and non-dealer operations. This program helps agents and brokers place comprehensive liability solutions for clients in automotive sales, service and storage—especially accounts with complex exposures or new ventures that need flexible underwriting. Ideal Accounts and Appetite The U.S. Risk Garage Liability program has broad appetite across dealer and non-dealer classes. Typical dealer classes include: Used Car Dealers – Retail & Wholesale Used Truck Dealers Used Motorcycle Dealers Used RV Dealers New ventures welcome Common non-dealer classes include: Auto repair shops Body and collision shops Tire sales and installation Heavy truck repair Motorcycle repair shops Valet parking services Other related garage operations — submit for underwriting review This program is a good fit when clients need garage-specific protections—liability for auto operations, garagekeepers, dealer errors & omissions, and coverages for customers’ vehicles on premises or in transit. Coverage Highlights and Advantages U.S. Risk’s Garage Liability program bundles coverages that address the typical exposures of dealers and service shops. Key features include: Primary Garage Liability limits up to $1M / $3M Medical payments and PIP where applicable Uninsured/Underinsured Motorist coverage Non-owned auto liability for employees driving customer vehicles Dealer’s Errors & Omissions Liability Dealer’s Open Lot coverage and False Pretense protection Garagekeepers liability for customer vehicles in care, custody or control Optional coverages available include Property and Workers’ Compensation—allowing you to bundle a broader insurance package for your insureds. Underwriting Notes and Minimum Premiums U.S. Risk provides responsive underwriting with most quotes returned within 24 hours when the submission is complete. The program supports new ventures and smaller operations; the minimum premium starts at $1,000. Underwriting is flexible and considers the full submission—loss history, operations, controls, and safeguards are important factors. Territories and Availability This program is available in AL, AR, CO, FL, GA, MS, NC, OH, OK, PA, TN, and VA. Admitted paper is available in some states and carrier options vary by jurisdiction. Other states may be considered on a submission-by-submission basis—contact underwriting to confirm availability for a specific risk. Why Work With U.S. Risk? As a Managing General Underwriter, U.S. Risk combines deep garage and automotive market expertise with access to multiple carrier options. Agents benefit from: Specialized underwriting that understands garage exposures Competitive coverage forms tailored to dealer and repair operations Fast turnaround to help close business quickly Ability to package liability with property and workers’ comp when needed Call U.S. Risk today to discuss Garage Liability accounts—or visit our company profile for more programs and market options. Frequently Asked Questions What types of accounts are a good fit for this Garage Liability program?This program is well suited for used car, truck, motorcycle and RV dealers, as well as repair shops, body shops, tire retailers and valet services. New ventures and niche garage operations are considered with a complete submission. Is this program available in my state?Availability includes AL, AR, CO, FL, GA, MS, NC, OH, OK, PA, TN, and VA. Admitted paper is available in some states; other states may be eligible on a case-by-case basis—check with underwriting. What is the minimum premium for this program?Minimum premium starts at $1,000, which makes the program accessible to smaller dealers and start-ups. Are additional coverages like Workers Comp or Property available?Yes. Property and Workers’ Compensation can be offered alongside garage liability to create a more complete package for your client. How quickly can I expect a quote?Most quotes are delivered within 24 hours, depending on the completeness and complexity of the submission. Need help placing an account? Connect with a market specialist.

UPA, offered through U.S. Risk Insurance Group, is a specialized market for placing workers’ compensation coverage for clients in the hospitality industry. Built for hotels, restaurants, resorts and related operations, this program pairs tailored underwriting with access to financially strong carriers and responsive service. Whether you represent a single-location boutique hotel or a multi-state resort group, UPA helps you secure appropriate coverage while supporting long-term risk management and claims cost control. Ideal Accounts and Appetite Hotels – including premier full-service and boutique properties Resorts and spas Bed and breakfasts Restaurants and casinos This program fits both single-location operations and multi-location, multi-state portfolios. UPA will consider accounts coming out of PEO arrangements and risks with elevated experience modification factors, which makes it a flexible option for brokers handling challenging or transitional accounts. Coverage Highlights and Advantages Monoline workers’ compensation solution focused on hospitality exposures UPAY-As-You-Go premium payment option to improve client cash flow Placement with A-rated carriers that have national reach Loss control resources — manuals, safety tips and operational checklists tailored to hospitality Experienced claims handling focused on reducing total claim costs and return-to-work outcomes UPA is positioned to give your clients more than a policy — it is a program that supports safer workplaces, stabilizes workers’ comp costs, and helps control frequency and severity over time. Underwriting Notes and Submission Requirements Multi-location and multi-state risks are welcome Accounts with higher experience mods and PEO exits are considered To submit a risk, include: Completed ACORD application 3–5 years of currently valued loss runs Mod worksheet and large account supplemental for risks with over $75,000 in annual premium Territories and Availability Available in all 50 states and Washington, DC. UPA leverages national carrier relationships to place single-state and multi-state programs. Why Work With U.S. Risk on Hospitality Workers' Comp? U.S. Risk Insurance Group is a wholesale broker with deep hospitality expertise. Through UPA you get a dedicated underwriting team, flexible guidelines for complex loss histories, and practical loss control support designed for hospitality operations. Example scenarios where UPA is a strong fit: A regional boutique hotel chain seeking consistent compensation terms across three states while improving workplace safety programs. A restaurant group transitioning off a PEO with a higher mod factor that needs access to A-rated capacity and targeted loss control. If you need help placing an account or want guidance on submission strategy, connect with a U.S. Risk market specialist who knows hospitality workers' comp. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for hotels, resorts, spas, restaurants, casinos, and other hospitality-related businesses, including multi-location and multi-state operations. Can I submit accounts with high experience mods?Yes, UPA can consider accounts with higher experience mods, including those emerging from PEO arrangements or with challenging loss histories. What documents are required to submit a risk?Submissions should include a completed ACORD application, 3–5 years of currently valued loss runs, and a mod worksheet with a large account supplemental if premium exceeds $75,000 annually. Is this program available nationwide?Yes, the program is available in all 50 states and Washington, DC, with access to national A-rated carriers. What are the key benefits for my hospitality clients?Clients benefit from strong carrier options, loss control support, flexible payment options like UPAY-As-You-Go, and proactive claims handling. Need help placing an account? Connect with a market specialist.

U.S. Risk Insurance Group, Inc. offers a manufacturing-focused Workers' Compensation program through its UPA division. Backed by an A-rated carrier, this program gives independent agents a competitive placement option for light to medium manufacturing risks. The product is designed to be flexible and easy to place—whether the account is a new venture, an established shop, or a PEO carve-out—while providing responsive underwriting and practical payment options. Products Offered: Guaranteed cost programs and dividend plans (Florida only) Ideal Accounts and Appetite This program targets a broad range of light to medium manufacturing operations. New ventures are eligible and PEO carve-outs are accepted with the required documentation. Typical fits include small metal fabrication shops, regional food packaging facilities, component manufacturers, and similar operations without heavy industrial exposures. Basic eligibility includes a $3,000 minimum premium. Accounts with high-risk work (for example, domestic, aviation, or federal contracts), extensive 24-hour confined-space operations, or active tax liens/bankruptcy are not eligible. Group transportation is limited to no more than five employees per vehicle. If an account has a lapse in coverage, it should be referred to underwriting for review. Coverage Highlights and Advantages Guaranteed cost and dividend plan options (FL only) Online loss runs for faster claims visibility UPAY — As-You-Go payroll reporting to help insureds manage cash flow Direct bill and monthly self-reporting available (5% non-working deposit required) There is no cap on experience modification factors, which increases placement flexibility for accounts with complex loss histories. Height and underground work have limits (no more than 20 feet or 2 stories above ground; no more than 6 feet below ground). Underwriting Notes Minimum premium: $3,000 (no stated maximum) New ventures are eligible Group transportation limited to five employees per vehicle Accounts with a lapse in coverage must be referred to underwriting PEO carve-outs require loss history, a signed PEO/client contract and amendment, and a labor endorsement Height and depth restrictions apply Tax liens and bankruptcies are ineligible State Availability This program is available in most states nationwide, including AL, AK, AZ, AR, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, OR, PA, RI, SD, TN, TX, UT, VT, VA, DC, WV, WI. Coverage in California and Oklahoma is limited and incidental; those states cannot be designated as the governing state for a policy. Why Work With U.S. Risk Insurance Group? As an experienced Managing General Agency, U.S. Risk pairs program expertise with efficient placement services. Agents benefit from underwriting teams that understand manufacturing exposures, access to an A-rated carrier, flexible payment structures, and tools that simplify account management—like online loss runs and UPAY payroll reporting. The UPA division focuses on workers' compensation programs, so you get specialized support when placing manufacturing business. Frequently Asked Questions What types of accounts are a good fit for this program?Light to medium manufacturing operations, including new ventures and PEO carve-outs (with required documentation), are ideal candidates. Is this program available for businesses with 24-hour operations?Yes. Businesses with 24-hour shift work are eligible provided there are no other high-risk exposures that would change underwriting classification. Can I submit an account with a lapse in coverage?You can submit such accounts, but any lapse must be referred to underwriting for review and possible additional requirements. What are the payment plan options?Available plans include UPAY As-You-Go payroll reporting, direct billing, and monthly self-reporting (monthly reporting requires a 5% non-working deposit). Are PEO carve-outs allowed under this program?Yes. PEO carve-outs are accepted when accompanied by loss history, a signed PEO/client contract and amendment, and the required labor endorsement. Need help placing an account? Connect with a market specialist.

Occupational Accident/Non-Subscriber Insurance Program from U.S. Risk U.S. Risk Insurance Group, Inc. provides a competitive, flexible Occupational Accident/Non-Subscriber Insurance program tailored for employers that operate outside traditional workers’ compensation systems. With broad access to Excess & Surplus (E&S) markets, U.S. Risk helps brokers place cost-effective solutions for clients who want alternatives to statutory workers’ compensation. As an experienced E&S broker, U.S. Risk understands the exposures non-subscriber employers face—especially in states such as Texas where workers’ compensation is optional. The program is structured for agents who need underwriting flexibility, creative coverage design, and efficient turnaround on hard-to-place accounts. Ideal Accounts and Appetite This program suits businesses that have chosen not to participate in a statutory workers’ compensation system and want occupational accident coverage to protect employees for on-the-job injuries. Target industries include: Light and medium manufacturing Retail and hospitality operations Construction (select classes) Transportation and logistics Healthcare facilities (non-hospital) U.S. Risk generally looks for groups with five or more employees. Accounts with documented safety programs, regular training, and strong loss-control practices are more likely to receive favorable terms. Coverage Highlights and Advantages The Occupational Accident/Non-Subscriber program includes core indemnity and medical benefits along with value-added services to improve outcomes and manage costs: Travel assistance services for work-related travel Identity management services for injured employees Discount prescription (RX) program Medical travel assistance for specialized care Optional dividend-eligible policy structures for qualifying accounts These features can help you present a more comprehensive solution to clients who want to protect workers while retaining control of claims and return-to-work programs outside of a statutory system. Underwriting Notes and Minimum Premiums Each risk is underwritten on its own merits. Underwriters evaluate industry class, payroll, loss and claims history, safety controls, and the employer’s return-to-work practices when structuring coverage and pricing. The program typically requires five or more employees for eligibility. Because U.S. Risk works with multiple markets, brokers can collaborate with the underwriting team to explore different coverage structures and optional enhancements that align with client objectives. Territories and Availability This program is available in most U.S. states, including Texas, where non-subscription is common. U.S. Risk writes Occupational Accident/Non-Subscriber Insurance in the following states: 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. Markets are generally accessed on a non-admitted basis to allow greater flexibility in coverage design and pricing. Why Work With U.S. Risk U.S. Risk brings decades of E&S experience and a dedicated occupational accident underwriting team. They are known for responsive service, pragmatic underwriting, and the ability to place complex or niche commercial risks quickly. That market access and underwriting expertise can make the difference when standard admitted markets are unavailable or inflexible. Example scenarios that fit well with this program: A regional logistics firm based in Texas that prefers to manage claims internally but needs a structured occupational accident policy for drivers and warehouse staff. A growing manufacturer operating across several states that requires consistent occupational accident coverage for employees working on customer sites. To learn more or submit a risk, contact Patricia Haas at 800-232-5830. Frequently Asked Questions What types of accounts are a good fit for this program? This program is designed for non-subscriber employers in industries such as manufacturing, retail, logistics, and certain construction classes—particularly in states where non-subscription is common. What is the minimum number of employees required? The program typically requires a minimum of five employees for eligibility. Is this program available outside of Texas? Yes. While Texas is a key market for non-subscriber solutions, U.S. Risk offers this program in most U.S. states. What value-added services are included with the coverage? Value-added services may include travel assistance, identity management, prescription discounts, and medical travel support to help manage costs and improve employee outcomes. Can clients earn dividends on their policy? Yes. Certain policy structures are dividend-eligible depending on the program and underwriting results. Need help placing an account? Connect with a market specialist.

Comprehensive Insurance for Parking and Valet Operators The Parking and Valet Operators Insurance Program from U.S. Risk Insurance Group, Inc. is a specialized solution designed for businesses that handle customer vehicles in any capacity. Whether your client operates a self-parking garage, offers assisted or valet parking, or provides parking services for special events, this program can help protect them from key liability exposures tied to their operations. Ideal Accounts and Target Classes This program is best suited for: Valet parking companies serving restaurants, hotels, hospitals, or event venues Operators of self-parking garages and surface lots Event parking services, including temporary or pop-up parking setups Private parking facility management companies If you have a client who manages a commercial garage in an urban center or a firm providing valet services during large-scale events, this program is designed with their risks in mind. Coverage Highlights and Advantages U.S. Risk offers a broadened ISO-based form tailored specifically for parking and valet exposures. Key coverage features include: General Liability: General Aggregate Limit (per location): $2,000,000 Premises/Operations Limit: $1,000,000 Products/Completed Operations Aggregate: $1,000,000 Personal and Advertising Injury: $1,000,000 Damage to Premises Rented: $100,000 (limits up to $500,000 available for additional charge) Medical Payments: Excluded Garagekeepers Legal Liability: Up to $250,000 per vehicle Up to $1,000,000 per location Policy Aggregate Limit: $5,000,000 Extended coverages are available through the Garage and Valet Parking Operators Coverage endorsement. Optional enhancements include Hired and Non-Owned Auto Liability and Parking Operators Professional Liability. Underwriting Guidelines and Minimum Premium This program features a minimum self-insured retention of $5,000 (except $10,000 for vehicle theft) and a minimum premium starting at $15,000. U.S. Risk underwriters evaluate each risk individually, focusing on operational controls, loss history, and vehicle storage protocols. Territories and Market Access Available in most U.S. states, including CA, FL, TX, NY, IL, and others, this program is written through a variety of carriers with most placements in admitted markets. For a full list of eligible states, refer to the state availability section above. Why Work With U.S. Risk Insurance Group As a leading Managing General Agency, U.S. Risk leverages strong carrier relationships and years of experience in niche commercial programs. Their dedicated underwriting team understands the unique liability and property risks associated with parking and valet operations and is equipped to provide responsive service and customized coverage solutions that help agents succeed in placing hard-to-insure accounts. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for valet parking services, self-park garages and lots, event parking companies, and parking operators managing private or commercial facilities. Is Garagekeepers Legal Liability included in this program?Yes, Garagekeepers Legal Liability is included, with limits up to $250,000 per vehicle and $1,000,000 per location, and a $5,000,000 policy aggregate. Are Hired and Non-Owned Auto and Professional Liability coverages available?Yes, these are available as optional endorsements and can be added to tailor coverage to your client's operations. What is the minimum premium for this program?The minimum premium starts at $15,000, with final pricing determined based on risk characteristics and coverage selections. In which states is this program available?The program is available in most U.S. states, including all major markets such as California, Texas, Florida, and New York. Need help placing an account? Connect with a market specialist.