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We will write almost anything on wheels! Overview of the Commercial Auto Program from INSURANCE MARKETS AGENCY INC INSURANCE MARKETS AGENCY INC offers a flexible Commercial Auto Insurance program built to help agents place hard-to-insure, specialty, and niche commercial auto risks. Whether your client operates a garbage hauling business, a petroleum transportation fleet, a public livery service, or a general trucking operation, this program delivers tailored solutions for a wide range of vehicle-based exposures. Ideal Accounts and Appetite This program targets accounts with specialized vehicle use and experienced drivers. Markets are available for: Garbage & Waste Operations: Residential, commercial, or construction debris hauling using compactors, roll-off trucks, and dump trailers. Petroleum Haulers: Transport of LPG, gasoline, diesel, heating oil, and similar petroleum-based products (with appropriate hazmat documentation). Public Livery Auto: Passenger transport such as limousines, vans, church and hotel buses, sightseeing vehicles, and non-emergency medical transport. Trucking Operations: For-hire or private fleets hauling commodities, equipment, refrigerated goods, livestock, and more — including auto transporters and UIIA-compliant operations. Ineligible Risks We are unable to consider risks that involve: Medical or biohazardous waste transportation Hazardous materials classified as explosives, corrosives, radioactive substances, or poisonous gases School transportation, charter buses, or student drivers Non-employee passengers or short-term leased vehicles Coverage Highlights and Advantages Key features of the program include: Automobile liability limits up to $5 million Excess/umbrella options available above $5 million Physical damage written on a stated value basis Available coverages: Motor Truck Cargo, Trailer Interchange, Refrigerated Breakdown Broadened Pollution Endorsement (CA 99 48) for eligible petroleum haulers Radius of operations: unlimited General Liability available for qualifying operations These enhancements help address unique exposures—such as cargo vulnerability, pollutant release for fuel haulers, and passenger liability for livery operations. Underwriting Requirements and Minimums To ensure timely review, submissions should include: Loss runs for the past 3–5 years Complete VINs on all power units Driver roster with MVRs; drivers must be at least 21 with a minimum of two years’ relevant driving experience Written safety programs and regulatory compliance documentation for hazmat/petroleum haulers Minimum property damage deductible of $500 Minimum premiums and final terms vary by carrier and class. Contact INSURANCE MARKETS AGENCY INC for pricing guidance on specific risk types. Territories and Availability This Commercial Auto program is currently available in New Jersey (NJ) and Pennsylvania (PA). We can place both admitted and non-admitted risks depending on carrier appetite and the specific exposures presented. Why Work With INSURANCE MARKETS AGENCY INC? As a Managing General Agency and Excess & Surplus Lines broker, INSURANCE MARKETS AGENCY INC specializes in placing complex and niche commercial auto accounts. Our strengths for agents include: Access to multiple carrier markets for broader placement options Underwriting experienced with petroleum, waste, livery, and specialty trucking classes Responsive underwriting and tailored policy forms for unique operations Ability to place both admitted and E&S business when appropriate You might have a client that owns a small fleet of roll-off garbage trucks with a clean loss history but limited market options—this program can often provide competitive liability and cargo solutions. Or you may represent a regional petroleum distributor that needs a broadened pollution endorsement and higher liability limits; we have markets that specialize in those exposures. Frequently Asked Questions What types of accounts are a good fit for this program?The program fits garbage haulers, petroleum transporters, passenger transport services, and general freight or commodity trucking operations—especially those with experienced drivers and a reasonable loss history. Are hazardous material haulers eligible?Only petroleum-based haulers are typically eligible. Risks involving explosives, corrosives, or radioactive materials are not accepted. Can I place a mixed-use fleet under this program?Yes. Mixed-use fleets may qualify if each vehicle’s use and exposure fit within the program guidelines. Submit full vehicle and use details for underwriting review. Is this program available outside NJ and PA?Currently, availability is limited to New Jersey and Pennsylvania. Contact INSURANCE MARKETS AGENCY INC for updates on future expansion. What is the turnaround time for quotes?Turnaround depends on class and the completeness of the submission. Providing loss runs, VINs, and driver records up front helps speed the quoting process. Need help placing an account? Connect with a market specialist.

Liquor Liability Insurance Insurance Markets Agency, Inc. offers a focused Liquor Liability Insurance program for businesses that manufacture, sell, serve, or distribute alcoholic beverages. Built for agents and brokers placing small- to mid-sized risks, this program delivers flexible underwriting, competitive pricing, and access to non-admitted markets. Coverage is currently available in Pennsylvania (PA) and New Jersey (NJ). Overview As a Managing General Agency, Insurance Markets Agency, Inc. works with multiple carriers to place liquor liability exposures that need non-admitted capacity and more flexible terms. The program is intended for accounts with generally clean loss histories and predictable operations. Minimum premiums vary by class and risk characteristics. Ideal Accounts and Appetite We target common alcohol-exposed classes where liquor liability is a primary exposure: Bars and taverns — on-premises accounts with alcohol sales up to $500,000, preferably with no liquor-related losses or violations in the last five years and limited drink specials or youthful clientele. Restaurants — dine-in and full-service restaurants with alcohol sales up to $1,000,000, clean five-year histories, and moderate drink promotions. Retail stores — liquor and convenience stores or distributors with off-premises sales up to $2.5M; multi-location accounts considered with a receipts breakout; aggregate per-location endorsement included. Nonprofit, fraternal, and social clubs — “Club Select” product for nonprofits with alcohol sales up to $500,000, no recent violations, and limited entertainment (banquet events preferred). Other eligible classes — banquet halls, country clubs, BYOB restaurants, off-premises caterers, bartending services, concessionaires, vineyards, and breweries. Coverage Highlights and Advantages This program emphasizes practical coverages and placement speed for routine liquor liability needs: Non-admitted placement for flexibility on unusual underwriting features. Aggregate per-location endorsement available for multi-site retail exposures. Automatic inclusion of club members as insureds on qualifying policies. Responsive MGA underwriting to get quotes and bind accounts quickly. Underwriting Notes and Minimum Premiums Preferred submissions have no liquor-related claims or regulatory violations in the past five years. Account characteristics that improve placement include professional staff training, clear ID/age-check policies, limited happy hours or drink promotions, and stable operating hours. Minimum premiums vary by class and carrier — confirm current minimums with an Insurance Markets Agency underwriter at submission. Territories and Availability This Liquor Liability program is offered in Pennsylvania (PA) and New Jersey (NJ) only. We are actively seeking appointed agents and brokers with clients in these states. Why Work With Insurance Markets Agency, Inc.? Insurance Markets Agency brings decades of specialty insurance experience and dedicated liquor liability underwriting. Working with us gives you: Access to non-admitted markets when standard markets are limited. Flexible approaches for multi-location retail accounts and club operations. A responsive team experienced in placing local bars, restaurants, and social clubs. Example accounts that often fit You might have a neighborhood pub with $350K in annual alcohol sales, clean loss history, and limited promotions — or a mid-scale bistro with $750K in alcohol receipts and a full-service bar. Both are representative risks this program is designed to place. For more information on our Liquor Liability Insurance or other products from Insurance Markets Agency, Inc., contact our team at 570-586-1471. Frequently Asked Questions What types of accounts are a good fit for this Liquor Liability program? Small- to mid-sized bars, taverns, restaurants, retail liquor stores, and nonprofit clubs with clean loss histories and moderate alcohol sales are primary targets for this program. Are multi-location risks eligible for coverage? Yes. Multi-location retail accounts are considered when you provide a breakdown of alcohol receipts by location; an aggregate per-location endorsement can be included. Is this program written on an admitted or non-admitted basis? This program is written on a non-admitted basis to allow greater underwriting flexibility for unique or higher-limit exposures. What states is this program available in? Coverage is currently available in Pennsylvania (PA) and New Jersey (NJ). Can nonprofit social clubs be covered under this program? Yes. The Club Select product is designed for nonprofit private, fraternal, and social clubs with modest alcohol sales, no recent violations, and limited entertainment. Need help placing an account? Connect with a market specialist.

Data Breach Coverage In today’s digital landscape, even security-conscious businesses remain vulnerable to data breaches. As cyber incidents grow in frequency and sophistication, the legal, financial, and reputational consequences of compromised personal or confidential information have increased accordingly. Overview of the Program From Insurance Markets Agency Inc Insurance Markets Agency Inc places Data Breach Insurance through a specialty non-admitted program with Markel Shand. Designed for agents and brokers, this program helps you place cyber liability and first- and third-party breach exposures for clients who need protection beyond standard markets. As a general agency and excess & surplus lines broker, we offer flexible solutions for challenging or hard-to-place risks. Ideal Accounts and Appetite The program is targeted at small to mid-sized organizations that collect, store, or transmit sensitive personal, financial, or health information. Preferred classes include: Professional services (law firms, accountants, consultants) Medical and other healthcare providers Retail and e-commerce operations Educational institutions and childcare providers Financial services and advisory firms Accounts with electronic recordkeeping, use of cloud services, or mobile/work-from-home access patterns are commonly considered. While the program is flexible, risks with extremely high data volumes, unresolved prior breaches, or severely deficient cyber controls may require additional underwriting or may not fit. Coverage Highlights and Advantages This Data Breach Insurance program provides broad cyber liability features to help manage the costs and consequences of a breach, including: Liability for identity theft, privacy violations, and failure to safeguard confidential data First- and third-party costs for notification, credit monitoring, and regulatory response Forensic investigation and breach response expenses Public relations and crisis management expense coverage Protection for transmission of malicious code, unauthorized access (including insider misuse), and loss from stolen portable devices Punitive damages coverage where insurable by law These features help offset legal defense, settlements, remediation, notification, and reputation-management costs after an incident. Underwriting Notes and Minimum Premiums Underwriting focuses on industry class, the volume and sensitivity of data maintained, security controls (firewalls, MFA, backup and encryption), vendor relationships, and any prior incidents. Minimum premiums vary by account characteristics and industry; our underwriters will review submissions and provide tailored quotes. Because this is a non-admitted program, it offers flexibility in terms and structure that can help place accounts that struggle in admitted markets. Territories and Availability This program is available through licensed agents and brokers placing risks in New Jersey and Pennsylvania. Producers in these states can submit accounts for consideration and work directly with our underwriting team to evaluate fit and pricing. Why Work With Insurance Markets Agency Inc? Insurance Markets Agency Inc has decades of experience placing niche and hard-to-place risks. Our relationship with Markel Shand provides access to a market experienced in cyber and data-breach exposures. We pair responsive underwriting with program flexibility to help you keep business with clients who need meaningful breach protection. Example scenarios: You might have a small law firm that stores client files and uses cloud-based document sharing, or a medical practice that keeps patient records on laptops and servers. In both cases, this program can provide breach response resources and liability protection that help transfer the financial and reputational risk of a data incident. To learn more or submit an account, contact our team at 570-586-1471. Frequently Asked Questions What types of accounts are a good fit for this Data Breach Insurance program?Small to mid-sized organizations that store or handle sensitive personal, health, or financial data—such as medical offices, law firms, consultants, retailers, and schools—are good fits. Accounts that use cloud services or have mobile access are commonly considered. Is this program available on an admitted basis?No. This is a non-admitted program placed through Markel Shand, which allows more flexible underwriting and customized terms for higher-risk or complex accounts. What specific coverages are included in the policy?The program includes liability for identity theft and privacy breaches, coverage for malicious code and unauthorized access (including insider misuse), notification and forensic costs, PR/crisis management expense, and punitive damages where insurable. Which states is this program offered in?This Data Breach Insurance program is offered to licensed agents and brokers placing risks located in New Jersey and Pennsylvania. What is the minimum premium for this program?Minimum premiums vary by industry class, data exposure, and other risk characteristics. Submit the account details and our underwriters will provide specific minimums and a tailored quote. Need help placing an account? Connect with a market specialist.

Garage Liability Insurance INSURANCE MARKETS AGENCY INC offers a specialized Garage Liability Insurance program tailored for dealers and non-dealers throughout Pennsylvania. This program is ideal for independent agents and brokers seeking a reliable market for clients with auto-related operations. Designed to address a wide range of auto exposures—owned, non-owned, and hired vehicles—as well as premises and operations liability, it provides comprehensive protection for garage businesses. Target Classes and Ideal Accounts This program is structured to support a variety of garage-related operations, including both sales and service businesses. Target markets include: Non-Franchised Auto Dealers Auto Parts Stores with Installation (Including Mobile Services) Auto Repair or Service Shops (Most Types of Repairs) Full-Service Car Washes Construction Equipment Sales & Service Farm Equipment Sales & Service Motorcycle and ATV Dealers Vehicle Sales & Service Operations Tow Truck Operators (Including Owned Trucks & On-Hook GKLL) Used Truck Tractor Sales & Service Wholesale Auto Dealers This program is especially useful for agents with clients who operate mixed-use facilities, such as a repair shop that also sells used cars or a parts store that provides installation services. Coverage Highlights and Options Our Garage Liability program offers robust coverage that goes beyond basic liability. Available coverages include: Garage Liability Garage Keepers Legal Liability Hired and Non-Owned Auto Broadened Coverage Endorsements Directors & Officers (D&O) Errors & Omissions – Dealers, Odometer, and Title Employment Practices Liability Insurance (EPLI) Dealers Open Lot Property Coverage Service Vehicle Liability and Physical Damage Special Events Coverage Umbrella/Excess Liability This broad offering helps agents place complex accounts with confidence, knowing that all key exposures are addressed under one program. Underwriting, Carriers, and Minimum Premium This program is placed through various carriers and is offered on a non-admitted basis. It is best suited for accounts with clean operations and a clear understanding of their exposures. The minimum premium starts at $525, making it accessible for a wide range of small to mid-sized garage operations. Availability Currently, this Garage Liability Insurance program is available exclusively in Pennsylvania (PA). Agents and brokers in the state can leverage this program as a competitive solution for placing hard-to-fit or niche garage risks. Why Work with INSURANCE MARKETS AGENCY INC As a Managing General Agency and Excess & Surplus Lines Broker, INSURANCE MARKETS AGENCY INC brings deep expertise and responsive service to every submission. With flexible underwriting and access to specialized carriers, we help agents place accounts that may not fit standard markets. Whether you're working with a mobile mechanic or a used truck dealer, our team—Ryan, Bill, Peter, or Joe Tierney—is ready to assist in crafting the right solution for your client. To learn more about our Garage Liability Insurance or any of our other specialty programs, give us a call at 570-586-1417. Frequently Asked Questions What types of accounts are a good fit for this Garage Liability program?This program is ideal for non-franchised auto dealers, repair shops, mobile service providers, tow truck operators, and equipment sales and service businesses in Pennsylvania. Is this Garage Liability Insurance program available outside of Pennsylvania?No, this program is currently only available for risks located in the state of Pennsylvania. What is the minimum premium for this program?The minimum premium starts at $525, depending on the specifics of the account and coverages selected. Can I include on-hook and service vehicle coverage under this program?Yes, the program can include coverage for owned tow trucks and on-hook Garage Keepers Legal Liability (GKLL), as well as service vehicle liability and physical damage. Which carriers are used for this program?This program is placed through a variety of carriers on a non-admitted basis. Carrier selection depends on the risk profile of the account. Need help placing an account? Connect with a market specialist.

INSURANCE MARKETS AGENCY INC offers a robust Energy/Oil & Gas Liability Insurance program designed specifically for agents and brokers serving clients in the energy sector. Whether your insured is a contractor, consultant, equipment hauler, or manufacturer, this program is built to address the unique liability exposures that come with oil and gas operations. With access to multiple carriers and flexible underwriting, we are equipped to handle a broad range of risks within this high-hazard industry. Coverage Highlights: Commercial General Liability Pollution Liability Professional Liability Follow Form Excess Unsupported Excess Target Classes: Contractors: Drilling of water wells Plug and abandonment operations Geophysical services Oilfield contractor services Wireline services (electrical log analysis) Tank cleaning, sandblasting, and painting Pumper/Gauger services Flowback and gathering line construction Plant maintenance and plant turnaround Vacuum services Valve installers and re-packers Coil tubing and fishing services Consultants (Observe and Report Only): Geologists Geophysical/Seismic Engineers Reservoir Engineers Drilling Fluid Engineers Pipeline Consultants (excluding construction) Measurement While Drilling (MWD) Consultants Landmen Mud Loggers Other Eligible Classes: Oil & Gas Well Lease Operators Salt Water Disposal Wells Salt or Fresh Water Haulers Oilfield Equipment Haulers Sales and/or Leasing of New Tools or Equipment Installation, Service, and Repair of Machinery Drilling Mud Dealers Tank and Vessel Manufacturers Valve Manufacturers and Remanufacturers Oilfield Equipment or Tools Manufacturers Non-destructive Testing Services Coverage Limits: $1M/$2M Primary; $5M/$5M Excess Minimum Premiums: Range from $2,500 to $7,500 depending on class and risk profile Underwriting & Availability: Our Energy/Oil & Gas Liability program is written on a non-admitted basis, giving us flexibility in crafting solutions for complex or higher-risk accounts. We work with a variety of carriers to match each submission with the most appropriate market. Currently, this program is available in Pennsylvania (PA) and New Jersey (NJ). Why Work With INSURANCE MARKETS AGENCY INC? As a trusted Managing General Agency and Excess & Surplus Lines Broker, INSURANCE MARKETS AGENCY INC brings decades of experience in placing tough-to-place risks in the energy sector. We understand the operational hazards and liability issues your clients face and are here to help you find competitive solutions quickly. Whether you're working on an account for a geophysical consultant or a vacuum truck service company, our team—including Ryan, Bill, Peter, or Joe Tierney—is ready to assist you from submission to binding. To learn more about our Energy/Oil & Gas Liability Insurance program or to discuss a specific account, call us today at 570-586-1471 and ask for Ryan, Bill, Peter, or Joe Tierney. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for oilfield contractors, geophysical consultants, equipment haulers, machinery installers, and other service providers operating in the energy sector. Is this program available in all states?No, currently the Energy/Oil & Gas Liability Insurance program is available only in Pennsylvania (PA) and New Jersey (NJ). What is the minimum premium for this program?Minimum premiums typically range from $2,500 to $7,500, depending on the class of business and risk characteristics. Are consultants eligible under this program?Yes, consultants involved in observe-and-report operations—such as geologists, reservoir engineers, and MWD consultants—are eligible. Is the coverage written on an admitted or non-admitted basis?This program is written on a non-admitted basis, allowing greater flexibility in underwriting complex risks. Need help placing an account? Connect with a market specialist.

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