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Van Wagoner Companies, Inc. is one of the longest-established surplus lines agencies in Texas and operates as a Managing General Agency (MGA). We give appointed agents and brokers access to competitive commercial insurance programs for hard-to-place and specialty risks, backed by carrier relationships that include Lloyd’s and Markel International. Broad appetite for commercial risks The Commercial Lines program is built to help you place a wide range of business accounts — from straightforward commercial property to more specialized or difficult-to-place exposures. Van Wagoner places accounts in both admitted and non-admitted markets when appropriate and works with appointed agents to find the best carrier fit. Target classes include: Apartment Houses – building, contents, inland marine, and liability Cargo – truck, air, or marine transit risks Commercial Packages – adaptable to most business classes Commercial Property – broad class acceptance Contractors Liability – multiple contractor classes Gas Stations and Convenience Stores General Liability – premises, products, and completed operations Greenhouses and Garden Centers Grocery Stores High-valued Automobiles – physical damage coverage Hotels and Motels Office Buildings Restaurants and Bars Shopping Centers and Malls Vacant Commercial Properties Coverage highlights and advantages Van Wagoner’s Commercial Lines program offers flexible coverages and structure to address the exposures your clients face. Key coverages include: Commercial Property — building, contents, and business interruption General Liability — premises, products and completed operations Inland Marine — contractor equipment, mobile property, and transit limits Physical Damage — coverage options for high-valued private automobiles The program is positioned to provide broad protection for hospitality, retail, construction, property owners, and other commercial operations where admitted or surplus capacity is required. Underwriting approach Van Wagoner underwrites through appointed agents, reviewing submissions to match accounts to the most appropriate carrier within their panel. While the appetite is broad, underwriters evaluate accounts based on class, location, exposures, loss history, and risk controls. The program accepts both admitted and non-admitted placements depending on the state and the risk. There is no published minimum premium, allowing flexibility across a range of account sizes. Available states This program is available to agents and brokers in the following states: Arizona (AZ) Arkansas (AR) California (CA) Connecticut (CT) Delaware (DE) Idaho (ID) Iowa (IA) Nevada (NV) New Mexico (NM) Oklahoma (OK) Pennsylvania (PA) Texas (TX) Utah (UT) Wyoming (WY) Why work with Van Wagoner Companies With decades of surplus-lines experience and deep underwriting relationships — including Lloyd’s and Markel International — Van Wagoner helps agents place complex and unusual commercial risks. The team emphasizes responsive service, practical underwriting guidance, and the ability to structure admitted or non-admitted options where appropriate. Example fits you may bring to this program: A mid-size apartment owner needing a combined property/liability package with inland marine for contents in a secondary market. A contractor with specialized equipment and a recent loss history who needs tailored inland marine and liability solutions through surplus markets. If you have a hard-to-place commercial account or need a surplus-lines solution, Van Wagoner can evaluate submissions and help secure the appropriate market placement. Need help placing an account? Connect with a market specialist. Frequently Asked Questions What types of accounts are a good fit for this Commercial Lines program?Good fits include apartment buildings, contractors, retail stores, hotels, restaurants, and commercial property owners. The program is well-suited for harder-to-place risks such as vacant properties and high-valued vehicles. Is this program available in admitted or non-admitted markets?Van Wagoner places business in both admitted and non-admitted markets depending on the state and class of business. Your appointed underwriter will identify the best option for each account. What carrier markets support this program?This program is backed by long-standing carrier relationships, including Lloyd’s and Markel International. Are there minimum premium requirements?There is no published minimum premium. Van Wagoner considers a range of account sizes when evaluating submissions. In which states is the program offered?The program is 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.

Contractors Equipment Coverage from Van Wagoner Companies, Inc. Van Wagoner Companies, Inc. provides a focused Contractors Equipment program designed to help independent agents and brokers place inland marine coverage for contractors’ mobile equipment and tools. The program is built to support a wide range of contractor clients — from small residential trades to large commercial subcontractors — with flexible options for scheduled and unscheduled equipment, leased units, and higher-value mobile gear. Ideal Accounts and Appetite This program targets contractors who rely on owned or leased equipment as a core part of their operations. Typical classes we write include: Custom Home Builders Carpenters and Framers Concrete and Masonry Contractors Drywall and Insulation Installers Landscaping and Lawn Care Services Heating and Air Conditioning Contractors Swimming Pool Contractors Tile, Carpet, and Flooring Installers Metal Erection and Welding Wrecking and Demolition We also offer a dedicated Mining Equipment appetite, written through markets that will consider high-value mobile gear such as loaders, excavators, and drilling rigs. Coverage Highlights and Advantages The program provides inland marine protection tailored to contractor equipment exposures. Key advantages include: Coverage for scheduled and unscheduled equipment and tools Options to include leased or rented equipment where appropriate Protection for losses from theft, fire, vandalism and many named perils Capacity for both single-piece high-value equipment and multi-unit fleets Access to specialty markets for complex or high-limit mining risks Example scenarios: You might have a regional concrete contractor with several backhoes and a compact fleet that needs a single policy for mobile equipment exposure. Or a landscaper with trailers, mowers and a few high-value attachments requiring scheduled limits and theft protection. Both are within the program’s typical appetite, subject to underwriting review. Underwriting Notes and Minimum Premiums Van Wagoner Companies operates as a Managing General Agency with established carrier relationships, including Lloyds and Markel International, to deliver flexible underwriting solutions. Appetite and terms depend on class of business, equipment values, security measures, and loss history. Minimum premiums may vary by class and state; our underwriting team will work with you to find the best placement for each submission. Territories and Availability Contractors Equipment and related inland marine solutions are available through Van Wagoner Companies 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, WV, WI, WY. Mining Equipment coverage is available nationwide in all 50 states. Why Work With Van Wagoner Companies, Inc. As a specialized MGA, Van Wagoner Companies brings decades of experience placing niche commercial coverages for independent agents. Our team focuses on practical, market-ready solutions and responsive underwriting support. We pair local agent knowledge with access to stable specialty markets to help you secure timely, competitive terms for contractors’ equipment risks. If you have a contractor client with mobile equipment exposure — from a one-truck operator to a multi-equipment fleet or mining operation — our underwriting specialists can review submissions and identify the best market fit. Need help placing an account? Connect with a market specialist. Frequently Asked Questions What types of accounts are a good fit for this Contractors Equipment program?This program is ideal for contractors with mobile equipment needs, including builders, landscapers, HVAC techs, framers, and miners. Is coverage available for rented or leased equipment?Yes. The program can include options for leased or rented equipment subject to underwriting review and documentation. Can I place business for a contractor located outside the listed states?Contractors Equipment availability varies by state as listed above. However, Mining Equipment coverage is offered nationwide in all 50 states. Which carriers back this program?We work with Lloyds and Markel International to provide flexible options and market stability. Do you work with new ventures?Yes. New ventures are considered on a case-by-case basis depending on the class of business, equipment values, and the submission details.