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Vacant Land/Vacant Building Insurance Program from Ck Specialty Insurance Associates, Inc. Ck Specialty Insurance Associates, Inc. offers a flexible, competitive Vacant Land/Vacant Building Insurance program for agents and brokers placing hard-to-place or underserved vacant property risks. As a family-owned Excess & Surplus Lines broker based in the Western U.S., Ck Specialty provides direct access to multiple A-rated surplus lines carriers through both in-house binding authority and broader brokerage markets. Ideal Accounts and Appetite This program is built for a broad range of vacant property exposures, including: Vacant land — undeveloped parcels or idle lots Land leased or rented to others for temporary or long-term use Real estate development land prior to construction Vacant residential buildings — single-family and multi-family units Vacant commercial properties — retail, office, light industrial, and similar types Whether a client owns land awaiting development or a building between tenants, Ck Specialty’s program offers underwriting flexibility and market access to help you place and retain these accounts. Coverage Highlights and Advantages The Vacant Land/Vacant Building program includes core coverages designed to address both property and liability exposures commonly associated with vacant real estate: General Liability — protection for third-party bodily injury or property damage occurring on the premises Property Coverage — coverage for structures, improvements, and selected perils applicable to vacant buildings and sites Excess/Umbrella — additional liability capacity available where higher limits are needed Program advantages: Low minimum premiums (varies by risk) Access to multiple A-rated surplus lines carriers Faster turnaround and binding through in-house authority on eligible risks Brokerage placement options for more complex or higher-value accounts Underwriting Notes and Minimum Premiums Underwriters evaluate each vacant property for condition, location, past loss or vandalism history, and intended use. Accounts in active construction, properties with significant disrepair, or sites with repeated vandalism will typically require enhanced underwriting review and may be declined or quoted with specific restrictions. Minimum premiums vary by state and exposure, but the program is structured to be competitive for small to mid-sized vacant property accounts. Provide complete property details, photos, and any loss history to speed placement and obtain the most accurate terms. Territories and Availability This program is available to licensed retail brokers placing risks in Idaho, Nevada, and Washington. Policies are written on a non-admitted basis with A-rated surplus lines carriers, giving access to flexible coverage terms and broader pricing options than many admitted markets. Why Work With Ck Specialty Insurance Associates? Ck Specialty is a Western-based MGA and wholesaler known for personalized service, pragmatic underwriting, and broad surplus lines market access. As a family-owned firm, they emphasize strong broker relationships, quick responsiveness, and practical solutions that help you compete for vacant property business. You might place a client who owns a vacant retail strip center awaiting redevelopment, or a developer holding a raw land parcel prior to breaking ground — Ck Specialty can evaluate these risks and route them to the appropriate A-rated markets or bind in-house when eligible. 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 well suited for vacant land, land rented to others, vacant residential or commercial buildings, and real estate development sites awaiting construction. Is this program available in all states?No. The Vacant Land/Vacant Building program is available only in Idaho, Nevada, and Washington. Are admitted carriers available for this program?No. Coverage is placed through non-admitted, A-rated surplus lines carriers to provide flexibility in terms and pricing. Can I access markets for more complex vacant property risks?Yes. In addition to in-house binding authority for standard risks, Ck Specialty offers brokerage access to multiple surplus lines markets for complex or larger accounts. What is the minimum premium for coverage?Minimum premiums depend on the risk’s type, size, and location. The program is designed with relatively low minimums to help you place small to mid-sized accounts; provide full details to get an accurate quote. Need help placing an account? Connect with a market specialist.

Ck Specialty Insurance Associates, Inc. offers a flexible, competitive Vacant & Course of Construction Insurance program to help agents and brokers place vacant properties, new construction, and renovation projects. Whether your client owns a residential flip, a commercial building awaiting lease or sale, or a property undergoing structural renovations, this program provides tailored coverage through a streamlined underwriting flow. Policies are placed on a non-admitted (E&S) basis with AM Best A rated carriers, making the program a strong option for risks outside the standard admitted market. The program is available in Arizona, California, and Colorado and supports short-term and project-specific terms to match construction or vacancy timelines. Very Competitive Commissions ***Online rater available*** Ideal Accounts and Appetite This program is a strong fit for agents placing: Vacant residential or commercial buildings awaiting sale, lease, or renovation Ground-up construction for single structures or multiple scheduled locations Properties undergoing remodeling or renovation, including projects with structural work Real estate owned by trusts, partnerships, joint ventures, or LLCs If your client holds real estate for short-term development, flipping, or rehab, this program gives you flexible policy terms and broader appetite than many admitted markets. Coverage Highlights and Advantages Monoline Property, General Liability, or combined Package (Property & Liability) Coverage for contents and multiple-location scheduling options Residential and commercial ISO policy forms available Building values up to $4,000,000 Premises liability limits up to $1,000,000 per occurrence / $2,000,000 aggregate Eligible for any combination of existing structure and renovation costs Theft available when written with Vandalism & Malicious Mischief (V&MM) Policy terms of 1, 3, 6, 9, or 12 months to match project timelines Deductibles starting at $500 Low minimum premium: $500 Example: You might place coverage for a client who purchased a California single-family home to renovate and resell. The home is vacant while major repairs are completed — this program can provide property and liability coverage during the construction period with a short-term policy tailored to the project schedule. Underwriting Notes and Minimum Premiums Ck Specialty underwrites a wide range of vacancy and construction exposures on a non-admitted basis with AM Best A rated markets. The program accepts varied ownership structures (trusts, LLCs, partnerships, joint ventures) and accommodates mixed-risk accounts combining existing building value with renovation costs. Minimum premiums start at $500; terms and final pricing are determined by occupancy status, construction type, protection features (alarms, locks, hoarding), and loss history. Territories and Availability This program is currently available in: Arizona (AZ) California (CA) Colorado (CO) Policies are placed as non-admitted (E&S) coverage in these states. Why Work With Ck Specialty? Ck Specialty Insurance Associates, Inc. is a proven General Agency and Excess & Surplus Lines broker with focused expertise in hard-to-place property risks, including builder’s risk, vacant property, and renovation exposures. You get access to A-rated E&S markets, an online rater for faster quoting, and a team experienced in sculpting short-term and project-specific policies. The program’s flexibility and competitive commissions make it practical to place non-standard accounts that admitted markets often decline. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include vacant residential or commercial buildings, properties under renovation, ground-up construction projects, and real estate held by trusts or LLCs. Are short-term policies available?Yes. Policies can be written for 1, 3, 6, 9, or 12 months to align with a project or vacancy timeline. Is theft coverage included?Theft coverage is available when added with Vandalism & Malicious Mischief (V&MM) on the policy. What is the minimum premium for this program?Minimum premium begins at $500, making the program cost-effective for short-term or lower-value risks. Which states is this program available in?This program is currently offered in Arizona, California, and Colorado on a non-admitted basis. Need help placing an account? Connect with a market specialist.

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USG Insurance Services, Inc. is a national wholesaler and managing general agent (MGA) with 18 offices across the country and the ability to write in all 50 states. Built from the ground up by some of the top executives in insurance, USG continues to expand operations nationwide while providing innovative solutions for the risk management industry. The USG team consists of experts divided not by territory, account size, or coverage who can help meet all commercial insurance account needs. We are problem solvers for all commercial lines coverages and specialize in hard-to-place risks, providing our agents with focused expertise and solutions. In 2016, USG is celebrating 15 years in business and continues to outpace industry growth metrics with a state-of-the-art Service Center, Marketing Department, and IT Department. We have also branched out into several specialty divisions, including AAU: Allied American Underwriters, Brokers Financial Services, BFS Inspections, Into Innovations, and Aureate. Our forward-thinking technology continues to evolve through our proprietary system, I3x, that expedites quote process and policy service; and through the launch of a new online and phone quoting system, INS LINK, that will streamline small transactional accounts and bring in additional opportunities nationally. USG's corporate office is located in Tampa, Florida; and our flagship office is located in Canonsburg, Pennsylvania. Garage : Dealers and Non-Dealers Garage Liability Garage Keepers Legal Liability Dealers/Non-Dealers Parking Garages/Lots Towing Repair/Service Stations Valet Services Dealers Open Lot

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