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...s. The program accepts single-site farms, multi-location operations, and busin... businesses, including multi-location farms, seasonal operations, and entities...

...gion Growers and harvesters of fruits, vegetables, or row crops Vineya...us on agricultural operations such as farms, vineyards, ranches, and nurseries...

...o fit. Our appetite includes: Farms and Ranches Animal Mortality ...his program?This program is ideal for farms, ranches, vineyards, nurseries, an...

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.

...ding: Crop farming (row crops, fruits, vegetables) Livestock operations ...ricultural operations, including crop farms, livestock operations, vineyards, ...

Looking for a Workers Compensation specialist with access to multiple A-rated carriers? Atlas General Insurance Services offers dedicated Workers Compensation solutions designed for agents who need flexible underwriting and strong carrier options. Whether you’re placing a tough-to-place risk or seeking more competitive options for a client, Atlas provides underwriting flexibility, broad carrier relationships, and services that help agents deliver tailored coverage and value to their clients. Target Industries We Serve Atlas General specializes in a broad range of classes, including: Healthcare facilities and providers Light manufacturing operations Office-based businesses Artisan contractors and plumbers Retail stores and boutiques Restaurants and food service operations Automotive repair shops Hospitality businesses Wholesale and distribution accounts If you have a client in one of these sectors, we can help place the business quickly and competitively—even if they’ve been turned down elsewhere. Program Features and Benefits • Program available exclusively through Atlas General Insurance Services • Appetite includes small to large-size accounts with a $25,000 minimum payroll • Claims handled by Sedgwick Claims Management, providing expert claim administration, utilization review, and MPN coordination • Loss control services to help reduce risk and improve outcomes • Competitive commissions and incentive opportunities for appointed agents • Flexible payment options, including reduced down payments where available • Online quote indications – COMING SOON! Why Work With Atlas? Atlas General Insurance Services is a trusted general agency that gives agents access to multiple A-rated carriers (A.M. Best). Our underwriting team brings deep workers compensation expertise and practical placement strategies, so you can find the right fit for your client’s needs. We emphasize fast, responsive service and a streamlined process. From initial quote to policy issuance and claims handling, Atlas works to keep the placement efficient and professional. Where This Program Is Available Our Workers Compensation Program is available in most states, including AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, and DC. Underwriting Overview We write preferred and moderately challenging risks that meet the $25,000 minimum payroll threshold. This program is non-admitted and is supported by multiple A-rated carriers as rated by A.M. Best. You might have a client who runs a growing restaurant with 30 employees or a regional retail chain with a clean loss history—both could be strong fits. If you’re unsure whether a risk fits the program, our underwriting team is available to review submissions and provide guidance. Let Atlas General Insurance Services be your go-to source for Workers Compensation coverage—contact us to learn how we can help you place accounts and support your clients. Frequently Asked Questions What types of accounts are a good fit for this Workers Compensation program?This program targets a wide range of industries including healthcare, retail, light manufacturing, contractors, restaurants, and more. Accounts with a minimum payroll of $25,000 are preferred. Is this program available in my state?Atlas offers this Workers Compensation program in most states across the U.S., including CA, TX, FL, NY, and many others. Contact us to confirm availability in your specific state. What carriers support this program?The program is backed by multiple A-rated carriers as rated by A.M. Best, ensuring financial strength and stability for your clients. Does Atlas offer any support services for policyholders?Yes, claims are managed by Sedgwick Claims Management, and loss control services are available to help insureds reduce risk and manage claims effectively. Can I get a quote online?Online quote indications will be available soon. In the meantime, our team is ready to assist you with quotes and submissions directly. Need help placing an account? Connect with a market specialist.

Overview — Retail Industry Workers Compensation Insurance Don R. Jensen & Company offers a retail industry workers compensation program designed for independent agents and brokers who need reliable, competitively priced coverage for common retail exposures. Our appetite covers a broad set of retail classes — from small neighborhood shops to larger retail locations — with underwriting tailored to the operational risks retail employers face every day. Ideal Accounts and Appetite This program is a good fit for routine retail operations with standard premises and staffing patterns. Typical accounts include: Grocery stores and convenience markets Hardware and wholesale stores Gas stations and car washes Laundromats, barber shops, tanning salons, and florists Accounts with clear safety practices, routine inventory handling, and standard customer interaction exposures are most likely to receive favorable terms. Higher-risk retail operations (extensive food preparation beyond deli counters, heavy manufacturing on-site, massage/spa services with elevated liability concerns, or significant off-site operations) should be discussed with underwriting before submission. Coverage Highlights and Advantages Market access through Don R. Jensen & Company’s wholesale relationships — carriers vary to match the account. Competitive premiums and flexible options for standard retail classes. Experienced underwriting familiar with retail-specific loss drivers such as slips/trips, lifting injuries, and customer-related incidents. Practical submission requirements streamline review and placement. Underwriting Notes and Minimum Premium Underwriting evaluates operations, payroll breakdown, prior loss history, safety programs, and experience modification. Minimum premiums start at $2,000. To accelerate review and improve placement chances, include the following with each submission: Completed ACORD application Three years of currently valued loss runs Experience modification worksheet Send submissions and documentation to [email protected] for underwriting intake. Territories and Availability Don R. Jensen & Company places retail workers compensation across a wide set of states. This program is available in: 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, OK, OR, PA, RI, SC, TN, TX, UT, VT, VA, WI. Admitted versus non-admitted placement will depend on the carrier and state regulations; underwriting will identify the appropriate market on submission. Example Accounts That Fit Well A neighborhood grocery with a steady staff and one location looking to renew with an improved loss control plan. A local hardware store seeking a market that understands retail operations and can offer a competitive workers compensation option at standard limits. Why Work With Don R. Jensen & Company As a wholesale broker, Don R. Jensen & Company provides access to multiple carriers and tailored underwriting for retail accounts. We help you place standard retail risks efficiently and offer responsive underwriting review when accounts require clarification. For more company information and additional coverage details, visit www.drjco.com. Frequently Asked Questions What types of retail accounts are a good fit for this program?Routine retail operations with customer-facing premises and standard inventory handling — grocery stores, hardware stores, laundromats, gas stations, barber shops, florists, and similar classes — are a strong fit. Accounts with unusual exposures should be discussed with underwriting first. What do you need to submit for a quick review?Include a completed ACORD application, three years of currently valued loss runs, and an experience modification worksheet. Email submissions to [email protected] to begin underwriting. Is this coverage available everywhere?The program is available in the states listed above. Whether coverage is provided on an admitted or non-admitted basis depends on the carrier and the state; underwriting will confirm placement options on a per-submission basis. What is the minimum premium?Minimum premiums start at $2,000. Final pricing is subject to the insured’s payroll, class codes, loss history, and selected carrier terms. Need help placing an account? Connect with a market specialist.