Search CompleteMarkets

...• Strip/Surface Mining • Oil & Gas Operations • Railroad Construction &am...

...nsive Insurance Solutions for Oil & Gas Consultants Ashley General Agency of...rogram?This program is ideal for Oil & Gas consultants, equipment manufacturer...

Overview of the Program From Sloan Mason Insurance Services, Inc. Sloan Mason Insurance Services, Inc. provides access to a competitive program for Electric Cooperatives, Cogeneration and Power Generation facilities, and contractors who service these industries. As a wholesale broker, Sloan Mason places business with a panel of various A-rated carriers and offers both admitted and non-admitted solutions where available. The program is designed for agents and brokers who need specialized underwriting capacity for generation risks, pollution exposures, and contractor services tied to power operations. Ideal Accounts and Appetite Rural and regional electric cooperatives that operate distribution and generation assets Cogeneration and combined heat-and-power (CHP) plants serving industrial or institutional sites Independent power producers and merchant generating facilities (non-nuclear) Contractors and service providers to the power sector (O&M contractors, electrical contractors, turbomachinery service providers) Facilities with onsite fuel storage, transformers/substations, switchgear, and associated pollution exposures Accounts with routine maintenance programs, formal loss control practices, and complete loss history are the best fit. High-hazard operations (for example, nuclear generation) are typically outside this appetite—please consult Sloan Mason underwriting for borderline risks. Coverage Highlights and Advantages Primary General Liability and Contractors Pollution coverages tailored for generation operations Commercial Auto for fleets serving generation and contracting operations Excess/Umbrella layers to provide broader limits above primary liability Property and Equipment Breakdown (available through select panel carriers) Business Income and Extra Expense for generation interruption scenarios Access to A-rated admitted markets where possible, with non-admitted capacity in most markets when needed Underwriters in the program understand the operational exposures unique to power generation and contracting, allowing for placement that reflects industry practice and risk management controls. Underwriting Notes and Minimum Premiums To obtain a full underwriting review and the best possible quote for Electric Cooperatives, Cogeneration and Power Generation Insurance, Sloan Mason requests the following: 5-year payroll history 5-year, currently valued carrier-issued loss runs (valuation date within 90 days of requested effective date) Completed ACORD applications and any program supplementals Minimum premiums (typical program thresholds) include: $15,000 for General Liability and Pollution $5,000 for Auto $7,500 for Umbrella Liability Actual premiums and retentions will vary by carrier, state, and individual account exposures. Territories and Availability This program is available in most U.S. states. States where coverage is commonly placed include: 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. Admitted options are available in many jurisdictions; non-admitted capacity is used where necessary to secure appropriate terms. Why Work With Sloan Mason on This Business Wholesale broker access to multiple A-rated markets, increasing placement flexibility Underwriting familiarity with generation, pollution, and contractor exposures Competitive program structure designed for complex energy sector risks Practical submission requirements to speed quoting and binding Example scenarios: You might have a rural electric cooperative seeking combined GL and pollution limits for a small diesel peaking plant and distribution operations, or a cogeneration plant at a manufacturing facility that needs property, equipment breakdown, and business income coverage after a recent equipment retrofit. Both are representative risks this program targets. Frequently Asked Questions What types of accounts are a good fit for this Sloan Mason program?Accounts that fit well include electric cooperatives, cogeneration and CHP plants, independent power producers (non-nuclear), and contractors who provide operations, maintenance, and electrical services to generation facilities. Best fits have formal maintenance programs and documented loss histories. What submission materials are required to get a meaningful quote?Sloan Mason asks for a 5-year payroll history, 5-year currently valued carrier loss runs (valuation within 90 days), and completed ACORD applications with any relevant supplementals. These items allow underwriters to assess operations and pricing accurately. Are admitted markets available through this program?Yes. Sloan Mason works with admitted A-rated carriers where available and uses non-admitted capacity in most markets when necessary. Availability depends on state regulations and each account’s exposures. What are the typical minimum premiums I should expect?Typical program minimums are shown as a guideline: $15,000 for General Liability and Pollution, $5,000 for Auto, and $7,500 for Umbrella Liability. Final premium requirements depend on the carrier and the specific account. Need help placing an account? Connect with a market specialist.

Comprehensive Insurance for Sewer and Water Main Contractors Sloan Mason Insurance Services, Inc. offers a specialized insurance program designed for sewer and water main contractors. This program is backed by A-rated, admitted carriers and provides a robust package of coverages, including Auto Liability, General Liability, Property, Inland Marine, Workers' Compensation, and Umbrella. Offered exclusively through Sloan Mason, this program is ideal for contractors operating in large-scale infrastructure environments. Ideal Accounts and Target Risks This program is specifically tailored for contractors working in new tract developments and public infrastructure projects. It is not intended for contractors performing residential hook-ups or other small-scale residential work. Ideal accounts include those involved in underground utility work, pipeline installation, and municipal water and sewer projects. Example accounts include: Contractors installing water mains for a new commercial development Firms replacing sewer lines for municipal improvement projects Coverage Highlights Key coverages available under this program include: Auto Liability General Liability Property Inland Marine Workers' Compensation Umbrella Liability Coverage is available on an admitted basis, providing agents and their clients with peace of mind and regulatory compliance in most states. Underwriting Requirements and Minimum Premiums To receive a full underwriting review and the most competitive quote, agents should be prepared to submit the following documentation: Five-year payroll history Five years of currently valued, carrier-issued loss runs (dated within 120 days of the requested effective date) Acord applications for AL, GL, Property, Inland Marine, and Umbrella Current NCCI or WCIRB Experience Rating Worksheet Completed contractor supplemental (generic forms accepted) Minimum premium thresholds: $25,000 for the combined AL/GL/Property/Inland Marine/Umbrella package $7,500 for Umbrella coverage alone For a detailed submission checklist, please refer to our Underground Utility Contractors Data Sheet. Territory and Availability This program is available in all 50 states and the District of Columbia. Sloan Mason works with various carriers to ensure broad access and flexible underwriting capabilities nationwide. Why Partner With Sloan Mason Insurance Services, Inc.? As a wholesale broker with deep expertise in contractor-related risks, Sloan Mason delivers tailored solutions for complex accounts. Their access to top-rated, admitted markets ensures that you can place your contractor clients with confidence. With a strong focus on underground utility and infrastructure contractors, Sloan Mason understands the unique liability and equipment exposures in this industry and provides responsive service and underwriting support to help you close more business. Frequently Asked Questions What types of accounts are a good fit for this program?This program targets sewer and water main contractors working on new tract developments and public infrastructure projects. It is not suitable for contractors performing residential hook-ups. Is this program available in all states?Yes, the program is available in all 50 states and the District of Columbia through Sloan Mason’s network of carriers. What is the minimum premium for this program?The minimum premium is $25,000 for the combined AL/GL/Property/Inland Marine/Umbrella package, and $7,500 for Umbrella coverage alone. What documentation is required to obtain a quote?Agents must provide five years of payroll history, five years of loss runs, Acord applications, a current NCCI or WCIRB worksheet, and a completed contractor supplemental form. Can residential plumbing contractors qualify for this program?No, this program does not cover contractors who perform residential hook-ups or small-scale residential work. Need help placing an account? Connect with a market specialist.

Garage Insurance — Ashley General Agency Ashley General Agency offers a specialized Garage Insurance program designed for agents placing auto-related businesses in Texas. As a managing general agency, we provide access to admitted and non-admitted capacity through markets including Catlin, Acceptance, Mesa, and Underwriters at Lloyds. Our garage markets write limits up to $1,000,000 per occurrence / $3,000,000 aggregate and can handle dealer physical damage and garagekeeper exposures with limits up to $1,000,000. Programs accept drivers age 18 and older, with minimum premiums starting around $500. Ideal Accounts and Appetite This program is built for a broad range of garage-related risks. Typical classes we underwrite include: Auto repair shops and general auto repair Used auto sales / internet auto sales Dealers (including dealer physical damage and garagekeeper exposures) Auto parts sales and installation Car washes Mobile auto repair and towing-related operations RV, motorcycle, scooter, and golf cart sales & repair Heavy truck repair/sales and utility trailer sales/repair Impound yards and emergency vehicle sales/repair We are willing to consider niche operations such as mobile mechanics and internet-based auto sellers, subject to underwriting review. Coverage Highlights and Advantages Commercial general liability and garage liability limits available up to $1,000,000/$3,000,000 agg. Dealer physical damage and garagekeeper coverage offered up to $1,000,000. Competitive minimum premiums (from approximately $500) for smaller accounts and select risk profiles. Flexible appetite across common garage exposures—parts installation, service operations, and vehicle sales. Access to multiple specialty carriers through Ashley General Agency’s MGA platform for tailored placements. Underwriting Notes and Minimums Minimum driver age is 18 for program eligibility. Minimum premium: approximately $500 (final premium subject to underwriting and state rules). We evaluate account details including loss history, operations mix, physical premises, and protective safeguards (signage, keys, secured lots) for garagekeeper and dealer placements. Certain high-hazard operations, excessive exposure to long-haul towing, or accounts with frequent high-severity claims may be declined or require higher limits/deductibles. Territories and Admitted Status This program is available in Texas. Note: the carrier panel includes non-admitted capacity; Ashley General Agency places these risks through specialty markets. Check state-specific placement rules and filing requirements before submission. Why Work With Ashley General Agency Ashley General Agency combines focused garage underwriting with direct access to specialty carriers experienced in automotive classes. Agents benefit from hands-on underwriting, quick turnarounds on straightforward risks, and competitive minimums for smaller accounts. We can work with you on multi-line placements and handle dealer physical damage and garagekeeper exposures that many standard markets limit. Example Accounts That Fit This Program A two-bay independent auto repair shop with modest payroll, routine parts installation, and a secured lot—seeking combined general and garage liability with garagekeeper limits. A small used-car dealer that needs dealer physical damage and liability for inventory and customer vehicles, with drivers aged 18+ and a lower premium budget. For more information on our Garage program, call us today! Frequently Asked Questions What types of accounts are a good fit for this program?Accounts such as independent repair shops, used car dealers, auto parts installers, car washes, mobile repair services, and specialty sellers (motorcycle, RV, golf cart) are good fits. We particularly focus on operations with standard safety controls and manageable loss histories. What limits and garage-specific coverages are available?We offer liability limits up to $1,000,000 per occurrence / $3,000,000 aggregate and can provide dealer physical damage and garagekeeper coverage with limits up to $1,000,000, subject to underwriting review. What are the key underwriting requirements or red flags?Key considerations include driver age (minimum 18), past loss activity, premises security, vehicle inventory controls, and the mix of operations. Accounts with frequent or high-severity claims, poor inventory controls, or unusual exposures may be declined or require modified terms. How do I submit a submission and what turnaround can I expect?Submit complete applications and loss runs through your usual wholesale channels to Ashley General Agency. Straightforward accounts typically receive faster responses; complex or higher-limit submissions may require additional underwriting review and documentation. Is this program available outside Texas?This specific garage program is currently available in Texas. Coverage may be placed through non-admitted markets on our carrier panel; verify state filing requirements before submission. Need help placing an account? Connect with a market specialist.

Garage Liability and Garagekeepers Insurance Program from Ck Specialty Insurance As an experienced Excess & Surplus Lines Broker, Ck Specialty Insurance Associates, Inc. offers a flexible Garage Liability and Garagekeepers Insurance program designed for a wide range of auto-related businesses. This program helps independent retail agents and brokers place difficult or niche garage risks across Idaho, Nevada, and Washington by using non-admitted markets and tailored underwriting. Ideal Accounts and Target Classes This program fits many garage operations that often have trouble in the admitted market. Target classes include: Auto dealers — new, used, wholesale, and internet-based Auto maintenance, repair, and body shops Recreational vehicle and motorcycle sales & repair Antique and classic auto restoration Mobile repair units and roadside assistance providers Valet parking services Auto glass, tinting, upholstery, and vehicle wrap services Salvage yards, dismantlers, and utility trailer repair Heavy truck sales and repair Examples of good-fit accounts you might submit: a rural RV repair shop that runs mobile service calls and needs broad garagekeepers limits, or a used-car dealer with an open-lot exposure and prior minor liability losses that has been declined by admitted carriers. Coverage Highlights Available coverages include (but are not limited to): Garage Liability, Garagekeepers, Uninsured Motorist, Fire Legal Liability, Medical Payments, Dealers Open Lot, Incidental General Liability, Additional Insureds, Broadened Coverages, and Property. Limits available typically go up to $1,000,000 per occurrence / $3,000,000 aggregate for liability, and up to $1,000,000 for Garagekeepers coverage, subject to underwriting and carrier guidelines. Underwriting Notes and Minimum Premiums This is a non-admitted program placed through various surplus lines carriers, which gives Ck Specialty flexibility to craft solutions for more complex or nonstandard risks. Underwriting focuses on operations, location, loss history, and safety controls. Classes with mobile operations, salvage activities, or heavy-truck exposures are considered but reviewed carefully for limits, deductibles, and policy terms. Minimum premiums start at $750 for mono-line Garage Liability or Garagekeepers placements and generally $1,000 for package policies, though final pricing varies by class and exposures. Territories and Availability The program is available to licensed retail agents and brokers placing business in Idaho, Nevada, and Washington. Submissions are reviewed on a case-by-case basis; appetite and terms may differ by state and carrier. Why Work With Ck Specialty Ck Specialty Insurance is a family-owned wholesale brokerage and Western-based MGA and Surplus Lines Broker. They emphasize responsiveness and practical placement strategies for hard-to-place garage accounts. Their carrier relationships and underwriting expertise help independent agents access markets and coverage forms they may not reach directly. Whether your client operates from a remote location, runs mobile units, manages salvage operations, or simply needs broader-than-average liability and garagekeepers protection, Ck Specialty can help you identify placement options and move submissions efficiently. Ck Specialty Insurance: Opening market doors…for you. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for auto dealers, repair shops, body shops, RV and motorcycle service providers, mobile mechanics, valet services, and other garage-related businesses that are hard to place in admitted markets. Is this an admitted or non-admitted program?This is a non-admitted program placed through surplus lines carriers, offering greater flexibility in underwriting and coverage customization. What are the minimum premium requirements?Minimum premiums typically start at $750 for mono-line coverages and $1,000 for package policies, though final premiums depend on class, limits, and exposures. Which states is this program available in?This Garage Liability and Garagekeepers Insurance program is available in Idaho, Nevada, and Washington. Can this program cover mobile operations or roadside assistance companies?Yes—mobile repair units and roadside assistance providers are among the accepted classes. Submissions should detail operations, limits requested, and risk controls to help underwriters assess placement options. Need help placing an account? Connect with a market specialist.

...omestic relations law Oil & gas and public utilities Other niche or specialty practi...

At Insential, Inc., we specialize in helping insurance agents and brokers secure tailored coverage solutions for clients requiring higher liability limits. Our Excess Liability Insurance program is designed to provide the additional protection your insureds need when primary general liability or umbrella policies may not be enough to absorb catastrophic losses. Whether you're placing a large commercial account with layered risk or helping a smaller business mitigate exposures beyond their current limits, we can support your placement strategy with flexible excess solutions. Ideal Accounts and Appetite This program is suitable for a wide range of general commercial classes. We have particular experience with: General contractors and subcontractors Amateur sports organizations and venues Hospitality and entertainment risks Manufacturers, wholesalers, and distributors Large commercial real estate and habitational risks Whether your client is a national contractor requiring layered excess protection or a regional sports league seeking a single layer of added coverage, we can work with you to structure a solution that matches their risk profile. Coverage Highlights and Advantages Excess capacity placement over primary or umbrella policies Ability to participate in towers and layered placements for large accounts Support for both high-limit and modest-limit needs Flexible carrier access—utilize one or more markets to tailor protection Placement available for most general liability classes With our deep industry relationships and diligent risk evaluation, we help you deliver well-structured excess liability solutions to your most complex accounts. Underwriting Notes and Minimum Premiums Each submission requires a fully completed ACORD application. Underwriting is based on a comprehensive review of operations, loss history, and existing coverage structure. Minimum premiums vary depending on the risk class, limits requested, and program structure. Territories and Availability Our Excess Liability Insurance program is available in most states, including but not limited to CA, FL, NY, TX, IL, and GA. We offer access to markets across the U.S., including both admitted and non-admitted options, with most coverage placed in non-admitted markets for greater flexibility. Why Work With Insential As an experienced Excess & Surplus Lines Broker, Insential brings specialized knowledge and strong carrier relationships to every placement. Our team works closely with agents and brokers to understand each client’s needs and find the most effective coverage structure. Whether you're placing a single-layer excess policy or building a multi-layer tower, we can help you deliver competitive, reliable options to your clients. Fully completed ACORD application is required For more information about our Excess Liability Insurance or other available products, please call us at 888-571-6160. Frequently Asked Questions What types of accounts are a good fit for this Excess Liability Insurance program?We work with a wide range of commercial accounts, including general contractors, amateur sports organizations, manufacturers, and hospitality businesses. Both large and mid-sized risks are considered. Can you place excess liability in a layered structure or tower?Yes. For larger accounts, we can participate in layered programs or structured towers to help achieve the total limits your client requires. Do you work with admitted or non-admitted markets?Most placements are made through non-admitted markets, giving us the flexibility to handle complex or higher-risk accounts. Availability may vary by state and class. What is required to begin underwriting a submission?A fully completed ACORD application is required. Additional documentation such as loss runs, underlying coverage details, and supplemental forms may be requested based on the risk. Is there a minimum premium for this program?Minimum premiums vary based on the risk profile, coverage limits, and market conditions. Contact us to discuss your specific account. Need help placing an account? Connect with a market specialist.

...on risk. Target classes include: Gas stations, fueling depots, and truck st...ge above-ground storage tanks, such as gas stations, marinas, manufacturers, a...

Source 1 Benefits is an Insential operating unit that is a Managing General Agent providing one stop shopping of group ancillary benefits insurance to the Employee Benefits broker community. Source 1 Benefits has hundreds of independent agents, brokers, consultants across the United States. We are licensed in all states and presently manage hundreds of in-force employer groups nationally. Our retention rate on average is 95% year over year. The Group Ancillary Benefits Insurance products: Group Dental Group Life Group Disability Group Vision Group Worksite Source 1 Benefits mission is to provide the Employee Benefits broker community with a trusted partner dedicated to the best possible customer service. Our immediate value to our clients is: Condense Your Workload Provide Market Stability/Continuity Access To Head Underwriting Flat Commissions Improved Levels of Service Top Tier Carrier Representation Since inception, our distinguished service and reliability have enabled us to become one of the largest ancillary general agencies in the country . Our dedication to provide relevant, high-quality, cost-effective ancillary insurance products and services for groups of all sizes is the foundation of our success. Furthermore, we utilize our full block of business to gain access to our own underwriters, which gives us an unbelievable leg up in the market place and gives our clients the lowest rates. Our carrier relationships give us the ability to provide timely and responsive proposal and service to every issue on the ancillary benefits side of group health business. We invite you to allow our block of business to work for you and your valued customers.