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Comprehensive Personal Lines Solutions from Van Wagoner Companies, Inc. Van Wagoner Companies, Inc. gives brokers and independent agents access to a broad, flexible Personal Lines program built for residential and personal risks that often sit outside standard market appetite. As an experienced Managing General Agency with strong carrier relationships—including Lloyds and Markel International—we place admitted and surplus lines business for hard-to-place, non-standard, and unique exposures across multiple states. Ideal Accounts and Appetite This program is designed for agents who need reliable markets for a wide range of personal property and liability risks. Typical accounts we write include: Single-family homes, including high-value and historic dwellings Rental properties and portfolios of rental dwellings Seasonal, vacant, or unoccupied homes awaiting sale or renovation Condominiums and apartment units Foreign-owned or owner-located-outside-the-U.S. homes Properties in flood- or wildfire-prone areas Personal articles and collections (fur, jewelry, fine arts) Farm and ranch properties with both residential and agricultural exposures Example: You might have a client with multiple rental dwellings in different states or a vacation home in a wildfire zone—Van Wagoner Companies can help you find the right admitted or surplus solution to place the account. Coverage Highlights and Advantages Through both standard and specialty markets, this program offers a full spectrum of coverages tailored to complex personal risks: Homeowners & Dwelling Options Homeowners forms A, B, C, 1–6, 8 Dwelling Fire (TP 1, 2, 3) Condominium unit-owner and apartment coverages Rental and vacant dwelling programs Flood insurance placement Coverage for foreign-owned homes Personal articles coverage for valuables, collections, and scheduled items Farm & Ranch Property coverage for residences, barns, and equipment Animal mortality options Farm liability, including premises and operations Because we place both admitted and non-admitted business, Van Wagoner Companies can accommodate unique property characteristics, recent lapses, or other underwriting challenges that limit standard-market availability. Underwriting Notes and Minimum Premiums Underwriting and minimum premiums vary by carrier and state. Our underwriting team offers flexible guidelines and will work with you to identify the most appropriate admitted or surplus market for each account. Provide complete loss history and detailed property information for the quickest response. Territories and Availability This Personal Lines program is currently available in: Arizona, Arkansas, California, Connecticut, Delaware, Idaho, Iowa, Nevada, New Mexico, Oklahoma, Pennsylvania, Texas, Utah, and Wyoming. We continue to expand capabilities—contact us to confirm current availability for a specific risk. Why Work With Van Wagoner Companies, Inc.? Van Wagoner Companies brings decades of MGA experience focused on personal property programs that fall outside traditional underwriting molds. Our carrier access (including Lloyds and Markel International), combined with hands-on underwriting and quick turnarounds, helps you place challenging risks and grow your book. We emphasize personalized service, pragmatic underwriting, and solutions-driven placement. Frequently Asked Questions What types of accounts are a good fit for this Personal Lines program?This program fits owner-occupied homes, rental properties, vacant dwellings, condominiums, foreign-owned homes, and farm or ranch properties with residential exposures. Can you write coverage for vacant or seasonal homes?Yes. We place both vacant and seasonal dwellings, including homes awaiting renovation or sale, using admitted or surplus markets as appropriate. Are high-value homes or collections eligible for coverage?Yes. We can insure high-value homes and provide personal articles scheduling for valuables such as fur, jewelry, and fine arts. Is this program available on an admitted or non-admitted basis?We access both admitted and non-admitted markets to give you the flexibility to place risks that standard carriers may decline. In which states is this Personal Lines program available?Coverage is currently 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.

Comprehensive Camp Insurance from Prime Insurance Company Camp experiences can be transformative for both children and adults—but they also come with unique risks and responsibilities. Whether your client operates a summer camp, sports camp, day camp, or specialty retreat, ensuring the safety of campers, staff, and volunteers is critical. That’s where Prime Insurance Company comes in. With years of experience insuring hundreds of camps nationwide, Prime offers a robust Camp Insurance program designed specifically for these environments. Ideal Accounts and Program Appetite Prime Insurance Company provides coverage solutions for a wide range of camp types, including: Youth camps Sports camps Day camps Summer camps Dance camps Grief and bereavement camps Specialty or theme-based camps Whether your client is running a seasonal overnight camp or a short-term skills camp, Prime is equipped to handle diverse operations with complex exposures. This program is especially suited for camps with higher-risk activities or specialized programming that may be underserved by standard markets. Coverage Highlights and Advantages Prime's Camp Insurance program offers broad, customizable protection tailored to each camp’s specific needs. Coverage options include: General Liability Personal Effects Coverage Product Liability Sexual Abuse and Molestation Coverage Watercraft Coverage Excess Liability Assault and Battery Coverage Personal Injury Coverage Prime takes a flexible, risk-management-oriented approach to underwriting, allowing agents to secure coverage even for camps with specialized needs or difficult loss histories. Each policy is tailored after a full evaluation of the camp’s operations, exposures, and safety protocols. Underwriting Notes and Turnaround Prime offers responsive underwriting and fast turnaround—your client can go from uninsured to fully covered in as little as 24 hours. The company works closely with agents to understand the full scope of the camp's risk profile, providing a personalized quote and risk management support. There is no listed minimum premium, allowing Prime to consider a wide range of account sizes based on risk characteristics and program details. Territories and Availability This program is available in all 50 states plus Washington, D.C., making it a strong nationwide solution for agents with clients operating across multiple jurisdictions. Coverage is offered on a non-admitted basis, giving Prime the flexibility to craft bespoke policies for non-standard or higher-risk operations. Why Work With Prime Insurance Company? As a direct carrier with deep experience in camp exposures, Prime Insurance Company brings value beyond just a policy. Their team is known for hands-on underwriting, fast claims response, and a commitment to finding solutions for hard-to-place risks. Agents benefit from a collaborative process and a partner who understands the nuances of the camp industry. Whether you're placing a large summer camp with waterfront activities or a grief camp with sensitive programming, Prime can help you deliver protection and peace of mind to your clients. Frequently Asked Questions What types of accounts are a good fit for the Camp Insurance program?This program is ideal for youth camps, sports camps, day camps, seasonal retreats, and specialty camps including dance and grief camps. Can Prime Insurance accommodate camps with higher-risk activities?Yes. Prime specializes in hard-to-place risks and can offer customized coverage for camps with activities like water sports, overnight stays, or specialized programming. How quickly can coverage be bound for a camp?In many cases, coverage can be bound within 24 hours after submission and underwriting review. Is this program available in all states?Yes, Prime Insurance Company offers Camp Insurance in all 50 states and Washington, D.C. Does the policy include coverage for abuse and molestation claims?Yes, Sexual Abuse and Molestation Coverage is available as part of the program, subject to underwriting and risk evaluation. Need help placing an account? Connect with a market specialist.