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...amp; Non Occupational Benefits to Owner Operators. Intended for Owner Operators under the age of 70, rangi...se Legal Liability, Umbrella and Occupational Accident/Contingent Liability.

...for motor carriers and independent owner/operators. Our underwriting team know...es. We offer endorsements such as occupational disease, contingent liability, ...

...anchise restaurants and multi-unit owners Fine dining and upscale establis...rks well for franchise and multi-unit owners, fine dining, family-style restau...

...ns, particularly for experienced operators with strong safety programs and los...

Brown & Riding offers a competitive and flexible Apartment Building Insurance program designed specifically for surplus lines placements. As a trusted general agency and excess & surplus lines broker, Brown & Riding provides access to A-rated carriers and delivers some of the most competitive coverage solutions available in the E&S marketplace. Ideal Accounts and Appetite Apartment buildings and complexes with up to 1,000 units and multiple locations Student housing and subsidized housing placements Properties with amenities such as pools, playgrounds, and recreational areas Accounts requiring Assault & Battery coverage Locations needing Hired & Non-Owned Auto Liability Older or historic buildings that still meet underwriting standards Ineligible Risks Adult foster care or assisted living facilities Properties with armed security personnel Buildings with less than 75% annual occupancy Pools equipped with diving boards Coverage Highlights and Advantages Access to A-rated surplus lines carriers Highly competitive pricing and terms Quick quote turnaround when ACORD and supplemental apps are completed Special form and replacement cost coverage available Monoline coverage options available for flexibility Excess limits offered for larger or more complex risks Underwriting Notes and Minimum Premiums Minimum premiums start at $500 for General Liability and $1,250 for Package policies. Risks must meet basic eligibility criteria, including occupancy thresholds and acceptable property conditions. Older buildings can be considered with proper maintenance and updates. Territories and Availability This program is available on a non-admitted basis across a wide footprint, including AL, 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, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, and WY. Why Work With Brown & Riding Brown & Riding is a nationally recognized wholesale brokerage known for its deep expertise in niche property and casualty placements. Their Apartment Building Insurance program stands out for its broad eligibility, flexible coverage options, and fast, reliable service. Whether you're placing a student housing complex near a university or a subsidized housing facility with multiple locations, Brown & Riding can help you secure the right solution with confidence. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include multi-location apartment complexes, student housing, subsidized housing, and properties with amenities like pools or playgrounds. Are older apartment buildings eligible for coverage?Yes, older properties are eligible as long as they meet underwriting standards and are properly maintained. Is monoline coverage available?Yes, monoline options are available, providing flexibility for agents who need to write either property or liability on a standalone basis. What is the turnaround time for quotes?Quotes can be turned around quickly when both ACORD and supplemental applications are fully completed and submitted. Can I place risks in all states?The program is available in most states on a non-admitted basis, including over 45 states and Washington, D.C. Need help placing an account? Connect with a market specialist.

As an independent owner-operator, it’s critical that both the...gram available in all states?Yes. The Owner Operator Program is available in all 50 st...

...insurance programs for independent Owner Operators face a unique set of profes...le when bundled with the Truckers Occupational Accident Insurance Program. What limits an...

...l damage options. An ambulance operator expanding into non-emergency medical...needs combined auto liability and occupational accident solutions and has a detailed trai...

...tive burden for facility users and owners. Contingency Products — Coverage...s and coverages I can quote?Typical accident medical limits range from $5,000 to $100,000 for primary accident medical coverage. Student accident plans commonly start at $25,000, ...

Motorhome Sales and Service Insurance Transportation Risk Services offers a dedicated Motorhome Sales and Service Insurance program for both dealers and service operations. Coverage is available from an A-rated carrier on admitted and non-admitted paper to help you place a wide range of motorhome, RV and related risks. Appetite and Target Classes Motorhomes Recreational Vehicles (RVs) Campers Travel trailers Trade show attendance is acceptable up to three times per year (RV exhibits may exceed 300 miles). Service units can be scheduled — both fleet and non-fleet — and related retail operations on the insured’s premises are considered. Primary Coverages Considered Garage Liability — Dealer and Service, with broadened coverage options Garagekeepers Legal Liability — limits available up to $15 million Dealers Open Lot — limits available up to $15 million Property — building, business personal property and business income Optional Extensions Fire Legal Liability Personal & Advertising Injury False Pretense Errors & Omissions for dealers Identity Recovery Related Operations on Premises Automobile parts or supplies sold over the counter (no installation) Miscellaneous goods — camping accessories, clothing, kitchen items, etc. Concessionaires — food & beverage/snack bars Mini-mart/grocery store facilities on site Program Highlights and Advantages This program gives agents access to an experienced transportation MGA and wholesale broker with deep appetite for auto and garage exposures. Limits for garagekeepers and open lot coverages are strong (up to $15M), and the program considers both admitted and non-admitted placements to maintain flexibility for complex or higher-limit accounts. Underwriting Notes Preferred accounts: established motorhome/RV dealers and service centers with documented safety and inventory controls. Trade show activity is acceptable but should be detailed on submission (frequency, distance, and transport methods). Service schedules and fleet lists should be provided when requesting scheduled unit coverage. Prior claims, condition of open lots, and security for high-value inventory will influence terms and retentions. Territories & Paper Available in IL, IA, MI, MN and WI, with broader availability in most states through admitted and non-admitted options. Consult underwriters on specific state filings and admitted paper availability. Why Place This Business with Transportation Risk Services Transportation Risk Services is a specialized transportation MGA and wholesale broker (www.trsinsurance.com) focused on auto, garage, physical damage and related commercial transportation exposures. Agents benefit from TRS’s targeted underwriting, access to A-rated capacity, flexible admitted/non-admitted placement, and experience handling dealer and service operation risks nationwide. Example Accounts That Fit An established RV dealer with a secured outdoor lot, active service department, and occasional out-of-state show attendance — needs garage liability, dealers open lot and garagekeepers limits. A regional mobile RV service fleet that wants scheduled physical damage and liability for multiple service units — fleet and non-fleet scheduling options are available. Transportation Risk Services works directly with retail agents and brokers to structure submissions and place coverage through its program and broking facilities. Provide complete details on operations, inventory values, scheduled units and loss history for the quickest response. Frequently Asked Questions What types of accounts are a good fit for this Motorhome Sales and Service program?Dealers and service operations for motorhomes, RVs, campers and travel trailers — especially those with established safety controls, secured open lots, and documented service operations — are the primary target. The program also considers related on-site retail and concession activities. Are higher limits available for garagekeepers and dealers open lot?Yes. Garagekeepers and Dealers Open Lot limits are available up to $15 million, subject to underwriting review and the specifics of the account. Can service units and mobile repair vans be scheduled?Yes. Both fleet and non-fleet service units can be scheduled. Provide unit lists, values and usage details when submitting so underwriters can evaluate exposures accurately. Is coverage available on admitted paper or only excess & surplus?Transportation Risk Services can place this program on admitted and non-admitted paper with A-rated capacity. Availability depends on state filings and the individual account; consult underwriting for state-specific options. Need help placing an account? Connect with a market specialist.