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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.

Our Miscellaneous Professional Liability Insurance program from INSURANCE MARKETS AGENCY INC is designed for independent agents who need a flexible market for businesses that provide professional or administrative services but do not fit into traditional professional malpractice markets. The program helps protect your clients when they are sued for alleged negligence, errors, omissions, misrepresentation, or failure to perform professional services — even in situations where no actual mistake has occurred. Underwriting and carrier appetite vary by class; this program places business on a non-admitted / E&S basis through experienced underwriters. Classes: Answering Services Arbitrator Billing Service Book Keeper Business Manager Caterer Claims Adjuster Classroom Instructor Cleaning Service Coaching Service Collection Agency Consultants Damage Appraiser Dance Instructor Dog Obedience School Employment Agency Event Planner Graphic Designer Insurance Inspector Mailing Services Notary Payroll Processing Pet Grooming Service / Pet Sitter Photographer Printer Private Investigator Property Manager Sports Instructor Teacher / Tutor Third Party Administrator … And Many More! Overview of the Program The program is intended for small- to mid-sized professional and service businesses that face liability from the services they perform. INSURANCE MARKETS AGENCY INC places these accounts with multiple E&S carriers (carriers vary by class) to provide competitive coverage and capacity when admitted markets are limited or unavailable. Policies are underwritten with practical, serviceable terms for common professional exposures and are supported by brokers experienced in miscellaneous professional liability. Ideal Accounts and Appetite This program is a strong fit for businesses that provide non-licensed professional, administrative, or technical services, including but not limited to: consultants, billing and payroll firms, event planners, photographers, graphic designers, private investigators, property managers, instructors/coaches, and similar classes listed above. Typical accounts have: Clear, documented service descriptions and client contracts. Reasonable annual revenues for a small or medium business. Limited or manageable prior claims history (loss runs required). Operations primarily in New Jersey and Pennsylvania (see Territories below). Coverage Highlights and Advantages Protection for allegations of negligent professional service, errors, omissions, and related defense costs. Flexible limits and endorsements available depending on carrier and class. Access to multiple E&S carriers through a single wholesale partner for faster placement options. Underwriters experienced with miscellaneous classes — helpful for unusual or mixed-service operations. Underwriting Notes and Minimum Premiums Submission requirements typically include a completed application (ACORD or carrier form), a description of services, revenue or payroll breakdown, and current loss runs (usually last 3–5 years). The program generally has minimum premiums in the range of Varies from $2500 - $7500 depending on class, limits, and exposure. Because carriers vary, appetite and specific terms are determined on a per-risk basis. Territories and Availability This program is available in: NJ, PA. Placement is generally through the E&S market; admitted availability is limited. Agents should confirm state eligibility for each submission. Why Work With INSURANCE MARKETS AGENCY INC As a general agency and E&S broker, INSURANCE MARKETS AGENCY INC combines access to multiple markets with underwriting experience for miscellaneous professional risks. You get a single point of contact for placement, tailored underwriting attention for mixed or non-standard operations, and practical guidance on risk presentation to improve chances of competitive terms. Example Accounts That Often Fit You might have a freelance graphic designer with modest annual revenue who needs professional liability limits to contract with a local agency — this program can provide appropriate limits and wording. Or an employment agency that screens candidates and wants coverage for alleged negligent placement or inaccurate references — the program can evaluate and place that exposure through E&S carriers. To learn more about our Miscellaneous Professional Liability Insurance or any other insurance we offer please give us a call 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?Good fits are non-licensed professional and administrative service providers such as consultants, payroll processors, event planners, photographers, property managers, tutors, and similar classes. The program targets small- to mid-sized operations without specialty medical, legal, or accounting malpractice exposures. What is the minimum premium and how are rates determined?Minimum premiums typically range from $2,500 to $7,500 depending on class, limits, revenue, and loss history. Final premiums and terms are determined by the chosen carrier and the specific risk characteristics. What submission materials do underwriters require?Underwriters generally want a completed application (ACORD or carrier form), a clear description of services and operations, revenue or payroll figures, and current loss runs (usually last 3–5 years). Contracts or sample engagement letters may be requested for higher exposure accounts. Are there classes you will not consider?The program is not intended for risks that belong in specialized malpractice markets (for example, physicians, dentists, lawyers, and sometimes CPAs or architects/engineers). High-hazard operations or clients with significant unresolved claim activity may also be declined or require referral. How long does it take to get a quote?Turnaround depends on the completeness of the submission and carrier review, but agents can generally expect an initial quote or feedback within a few business days after a complete submission is received. Need help placing an account? Connect with a market specialist.

We are actively seeking Restaurants, Bars, Taverns, fraternal organizations and social clubs (including VFW posts), plus retail and convenience stores and businesses that provide on-premises catering. Comprehensive Restaurant/Bar/Tavern Insurance from Insurance Markets Agency Inc Insurance Markets Agency Inc offers a targeted Restaurant/Bar/Tavern Insurance program built for hospitality risks that are difficult to place in standard markets. This program is designed for agents writing business in New Jersey and Pennsylvania and supports accounts with liquor exposures, live entertainment, dancing, and other hospitality operations that require flexible non-admitted markets. Ideal Accounts and Appetite Our appetite covers a broad range of hospitality and related retail operations, including: Full-service and quick-service restaurants, including those with on-site catering Bars, taverns, pubs and nightclubs with or without live entertainment Venues with dancing or DJs Fraternal organizations and social clubs (e.g., VFWs) Convenience and retail stores that sell prepared food or alcoholic beverages You might have a client who runs a neighborhood tavern with weekend live music and a full liquor license, or a small banquet facility that caters private events — this program is structured to cover those combined property, liability and liquor risks on a single policy. Coverage Highlights and Advantages Core coverages: Commercial Property (building, business personal property) General Liability with industry-appropriate limits Liquor Liability available and bindable on the same policy Single-policy placement for property, liability and liquor exposures Optional enhancements: Money and securities Equipment breakdown (food spoilage coverage up to $25,000) Glass coverage Valuable papers and accounts receivable Employee dishonesty/fidelity Limits of Insurance Property limits: Placed as required with "A"-rated markets. General liability limits (typical): $1,000,000 Each Occurrence $1,000,000 Personal & Advertising Injury $1,000 Medical Payments $100,000 Damage to Premises Rented to You $1,000,000 Product/Completed Ops Aggregate $2,000,000 General Aggregate Liquor liability: Available up to $1,000,000 per occurrence/aggregate. Underwriting Notes and Minimum Premiums This program is offered on a non-admitted basis through a panel of carriers. Minimum premiums and specific underwriting requirements vary by account size, class code, and individual exposures. Our underwriters have experience evaluating complex hospitality operations and can work with you to tailor coverage, endorsements, and limits to the insured’s needs. Territories and Availability Available to agents writing business in New Jersey (NJ) and Pennsylvania (PA). Because placements are handled on a non-admitted basis, this program can provide flexible terms for accounts that do not fit standard admitted markets. Why Work With Insurance Markets Agency Inc? As a Managing General Agency and Excess & Surplus Lines Broker, Insurance Markets Agency Inc specializes in hospitality risks and has established relationships with a range of "A"-rated non-admitted carriers. We provide focused underwriting, fast quoting and streamlined binding to help you place hard-to-place or uniquely exposed restaurant and bar accounts. Our team understands liquor liability, entertainment exposures and the operational nuances of hospitality businesses. Frequently Asked Questions What types of accounts are a good fit for this program?Restaurants, bars, taverns, nightclubs, social and fraternal clubs (including VFWs), and retail/convenience stores that serve food or alcohol—especially those with liquor or entertainment exposures—are a good fit. Is liquor liability included in the policy?Yes. Liquor liability is available and can be combined with property and general liability on a single policy. Can I place risks with dancing or live entertainment?Yes. Accounts with dancing, live bands, DJs or other entertainment exposures are eligible and routinely considered by our underwriters. What states is this program available in?This program is currently available in New Jersey and Pennsylvania. Are the carriers admitted or non-admitted?Policies are written on a non-admitted basis through various select carriers. Need help placing an account? Connect with a market specialist.

Artisan Contractors Insurance INSURANCE MARKETS AGENCY INC offers a tailored Artisan Contractors Insurance program designed specifically for skilled-trade professionals. Whether your client is an experienced contractor or a recently licensed business, our program provides flexible, competitive solutions through trusted non-admitted markets. Coverages are structured to address the typical risks artisan contractors face, including tools and equipment, liability for operations and completed work, and exposures arising from subcontracted work. Ideal Accounts and Covered Classes We partner with agents who place artisan contractors in residential and light commercial trades. We have appetite for accounts with up to 100% subcontracted work and for contractors working on townhouse and residential condominium projects. Example classes include: Alarm system installation and repair Carpentry (commercial and residential, up to 3 stories) Concrete work and masonry Electrical work within buildings Excavation and grading Door, window, and metal millwork installation Driveway and sidewalk paving or repair Fence erection Handyman services HVAC installation and repair Painting (interior and exterior) Plumbing (commercial and residential) Roofing (commercial and residential) Siding installation (excluding wood siding) In-ground swimming pool installation and service Structural metal erection (three stories or more) Coverage Highlights General Liability and Excess Liability limits available up to $25,000,000 Minimum premiums starting at $525 Low deductibles for Bodily Injury/Property Damage, from $500 Inland Marine coverage for contractor tools, equipment, and similar assets Options for Additional Insured (Primary & Noncontributory) and Waiver of Subrogation Underwriting and Market Access We place artisan contractor accounts with a variety of carriers on a non-admitted basis to secure the right coverage for each risk. Our underwriting team knows construction-related operations and works with agents to place accounts that may be new ventures, have significant subcontractor usage, or are harder to place in standard markets. We focus on tailored solutions where other markets may decline. Example accounts you might place You might have a client who is a startup electrician working on residential condo renovations and needs general liability plus inland marine for portable tools. Or, an established roofer who subcontracts all work and requires higher excess limits and primary/noncontributory additional insured status for commercial townhouse projects. Both fit this program’s appetite. Availability This Artisan Contractors Insurance program is currently available in New Jersey and Pennsylvania. Because placements are non-admitted, coverage options and forms are tailored by market and underwriter. Why Work With INSURANCE MARKETS AGENCY INC? As a Managing General Agency and Excess & Surplus Lines Broker, INSURANCE MARKETS AGENCY INC specializes in construction-related risks. Our team provides fast, knowledgeable service, works directly with agents during underwriting, and leverages multiple non-admitted carriers to place difficult or specialized artisan risks. Whether your client is a first-year electrician or a roofer subcontracting 100% of their work, we aim to deliver competitive terms and responsive service. To learn more about our Artisan Contractors Insurance program or other products, please call 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 fits artisan contractors in residential or light commercial trades, including electricians, plumbers, roofers, painters, and more. We also consider new ventures and contractors who subcontract up to 100% of their work. Which states is this program available in?Currently, the Artisan Contractors Insurance program is available in New Jersey and Pennsylvania. Can I submit accounts with townhouse or condo projects?Yes, we accept accounts working on townhouse and residential condominium projects. What is the minimum premium for this program?Minimum premiums start as low as $525, depending on the class and risk profile. Does the program include coverage for tools and equipment?Yes, Inland Marine coverage is available for contractor tools, construction equipment, and similar assets. 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.

Municipal General Liability Insurance Our Municipal General Liability Insurance program is designed for public entities in Pennsylvania and New Jersey. Offered by Insurance Markets Agency Inc, this program provides comprehensive general liability coverage tailored for a wide range of municipalities and special service districts. Whether you're placing coverage for a small borough or a county agency, our team brings the underwriting experience and market access needed to help you secure competitive and reliable solutions for your clients. Ideal Accounts and Appetite We specialize in working with public entities that have smaller to mid-sized populations. Our target accounts typically include: Cities and towns with populations under 25,000 Counties with populations under 55,000 Special service districts with populations under 150,000 That said, we are open to reviewing accounts falling outside of these thresholds on a case-by-case basis. Types of Public Entities We Write: City and County Governments Towns, Villages, Boroughs, and Townships Public Fire and Emergency Response Services Police and Sheriff's Departments Transit and Park Police, and other government law enforcement services Water and Sewer Districts Irrigation, Library, Highway, and Recreation Districts Community Development Boards and other special service districts Coverage Highlights and Advantages Our policy includes valuable coverage enhancements designed specifically for the exposures faced by public entities: Legal liability for Fire, Lightning, and Explosion incidents Bail Bond Coverage Bodily Injury including Mental Anguish Reimbursement of reasonable expenses plus up to $1,000 for insureds required to testify Blanket additional insureds included at no extra charge Modified notice of occurrence provision Liquor liability included for short-term events Professional liability for EMTs and paramedics built into the policy Good Samaritan coverage Watercraft liability up to 51 feet Modified wording for engineers and architects Employee benefits liability included Volunteers automatically included as insureds Underwriting Notes and Minimum Premiums This program is written on a non-admitted basis with access to a variety of carriers, allowing us to craft flexible solutions for unique municipal risks. Our minimum premium starts at $525, making it accessible for even the smallest public entities. We also offer the ability to package municipal accounts to include: Property Auto Law Enforcement Liability Public Officials Liability Employment Practices Liability Umbrella coverage Territories and Availability We currently offer this program in the states of Pennsylvania (PA) and New Jersey (NJ). If you have risks in these states that fall within our appetite, we encourage you to reach out to discuss placement opportunities. Why Work With Insurance Markets Agency Inc As a Managing General Agency and Excess & Surplus Lines Broker, Insurance Markets Agency Inc brings decades of experience in placing complex municipal risks. Our team—including Ryan, Bill, Peter, and Joe Tierney—is ready to assist you with responsive service, underwriting insight, and access to reliable markets. We understand the unique liability exposures faced by public entities and can help you present solid coverage solutions to your municipal clients. Frequently Asked Questions What types of accounts are a good fit for this program?We target small to mid-sized public entities, including cities under 25,000 population, counties under 55,000, and special service districts under 150,000. Typical accounts include townships, boroughs, fire departments, and water or sewer authorities. Can this program be packaged with other municipal coverages?Yes, we can package accounts to include property, auto, law enforcement liability, public officials liability, EPLI, and umbrella coverage. What states is this program available in?This program is currently available in Pennsylvania and New Jersey. Is there a minimum premium requirement?Yes, the minimum premium starts at $525, making it accessible for smaller public entities. What kind of coverage enhancements are included?The program includes professional liability for EMTs, Good Samaritan coverage, blanket additional insureds, liquor liability for short-term events, and more. 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.

Policy Highlights: Colonial General Insurance Agency, Inc. offers a Flea Market Vendor Insurance program designed for agents placing vendors who operate in temporary or mobile retail environments. Whether a client sells from a pushcart, kiosk, table, or temporary booth, this program provides flexible coverage options through a range of admitted and non-admitted markets to fit seasonal and mobile operations. Ideal Accounts and Appetite This program is a fit for independent vendors selling merchandise, crafts, collectibles, or prepared food at flea markets, swap meets, seasonal events, pop-up venues, and similar locations. It addresses common exposures such as customer injuries, property damage, and product-related claims with tailored coverage options designed for short-term and mobile setups. Target accounts include: Mobile vendors operating push carts, food carts, or kiosks Temporary booth operators at flea markets, farmer’s markets, and pop-up events Vendors selling general merchandise, apparel, handmade goods, collectibles, or food items Accounts with high-hazard operations—such as amusement rides, large-scale food processing, fireworks, or heavy manufacturing—typically fall outside the program’s appetite. Coverage Highlights and Advantages Commercial General Liability Primary limits up to $3,000,000 (Occurrence / Aggregate) Liquor Liability available for eligible vendors Additional Insureds included at no extra charge to meet venue or event requirements $5,000 Medical Payments included Excess or Umbrella liability available with limits up to $25,000,000 Property Coverage Options Basic, Broad, or Special form coverage Options for Buildings, Contents, and Business Income Equipment Breakdown and Inland Marine available for mobile equipment and stock-in-transit Replacement Cost or Actual Cash Value valuation Scheduled Property Floater available for mobile equipment, displays, and inventory Underwriting Notes and Minimum Premiums Colonial General places flea market vendor business with a variety of carriers to provide flexible underwriting. Minimum premiums and program availability vary by market and by the risk’s characteristics. Submissions should include a completed application plus a clear description of the vendor’s operations, products sold, frequency and locations of events, and any food-handling practices. Territories and Availability This Flea Market Vendor Insurance program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Both admitted and non-admitted market options are accessible depending on the state, carrier, and specific risk profile. Why Work With Colonial General Insurance Agency, Inc.? As a Managing General Agency and Excess & Surplus Lines broker, Colonial General provides agents with marketplace access and underwriting expertise for niche commercial programs. Their distribution and carrier relationships help place hard-to-bind or non-standard vendor accounts efficiently. The program’s flexibility—additional insureds at no cost, inland marine for mobile stock, and liquor liability options—makes it practical for agents working with seasonal and mobile vendors. Example scenarios that fit well: You might have a client who sells handmade jewelry at weekend markets across multiple states; scheduled floater and inland marine can protect inventory while in transit. A small food-vendor operating a pushcart at farmers' markets may need short-term liability with optional liquor liability for certain events and business income if a covered shutdown occurs. Frequently Asked Questions What types of accounts are a good fit for this program?This program is best for vendors operating at flea markets, swap meets, farmers' markets, and temporary events—especially those using kiosks, carts, or booths to sell general merchandise, crafts, or food. Is Liquor Liability coverage available?Yes. Liquor Liability is available for eligible vendors when alcohol service or sales are part of the operation and the carrier appetite allows it. Are Additional Insureds included in the policy?Yes. Additional Insured status is included at no extra cost, which helps agents meet venue, promoter, or landlord insurance requirements. Can I access this program in multiple states?Yes. The program is offered in AZ, CA, CO, ID, NV, NM, UT, and WY, with both admitted and non-admitted options depending on the specific market and risk. What documents are needed for a submission?Provide a completed application, detailed description of operations, list of products sold, typical event locations and schedules, and any food-handling procedures. Photos of the setup and a schedule of valued property are helpful when requesting inland marine or scheduled floater coverage. Need help placing an account? Connect with a market specialist.