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...n cause serious bodily injury or property damage. That's why insurance coverag...cart equipment, ATVs, and personal watercraft. Need help placing an account?...

...lity* – Covers bodily injury and property damage to others. Motor Truck Cargo* – Protects against loss or damage to transported goods. Physical Damage* – Covers damage to owned vehicles. Truckers Gener... package Primary Liability, Physical Damage, and Motor Truck Cargo together, a...

...ity protection and comprehensive property, inland marine, and E&O options. Id...inancial institutions, vehicle, or watercraft alarm systems can be considered ...

...ly available in certain states. Property Damage Liability covers you if your car damages someone else's property. Usually it is their car, but it cou...his insurance to cover the amount of damage your car might do to another vehic...

Our philosophy at J.M. Wilson is Customers First. At J.M. Wilson, we are committed to empowering independent insurance agents with flexible, responsive personal lines insurance solutions. As a trusted Managing General Agency with decades of experience and access to A-rated markets, we are positioned to help you place a wide variety of personal lines accounts—quickly and confidently. Our dedicated personal lines team specializes in finding the right coverage for your clients, even when risks fall outside of standard market appetites. We work closely with agents to ensure fast turnaround and accurate quoting, while providing hands-on support throughout the entire process. Ideal Accounts and Appetite We are currently seeing success with a broad range of personal lines accounts, including but not limited to: Dwelling/Fire insurance (including seasonal and rental properties) Homeowners insurance (including high-value homes) Personal inland marine (including contents in mini-storage units) Personal umbrella insurance (even for high-risk drivers) In-home business insurance Whether you’re working with a homeowner who needs additional coverage for valuables or a client with a unique personal liability exposure, our team is ready to assist. Coverage Highlights and Advantages Our personal lines program offers several advantages to help you win and retain clients: 24-hour quote turnaround—often same-day Direct bill options available for many personal lines accounts Online rating tools for convenience and speed Phone quotes and expert underwriting support Financing quotes available upon request All carriers we work with are A-rated We are focused on streamlining the quoting and binding process so you can deliver value to your clients with efficiency. Underwriting Notes Our underwriters are approachable, knowledgeable, and eager to help you navigate unusual or complex risks. We can assist with coverage questions, eligibility clarification, and finding solutions for clients who may not qualify for standard market placement. We do not have a set minimum premium, allowing for flexibility across a variety of risk sizes. Contact us for help evaluating specific accounts. Territories and Availability Our personal lines markets are available to agents in the following states: AL, AR, GA, IL, IN, IA, KS, KY, MI, MS, MO, NE, NC, OH, OK, PA, SC, TN, VA, WV, and WI. We offer both admitted and non-admitted solutions, depending on the risk and carrier availability in your state. Why Work With J.M. Wilson? As a Managing General Agency with a strong focus on customer service, we’re here to support your agency’s success. Our personal lines team delivers speed, flexibility, and market access, backed by a commitment to helping you place more business with confidence. To learn more about our Personal Lines Insurance program or to start a quote, visit www.jmwilson.com. Frequently Asked Questions What types of accounts are a good fit for J.M. Wilson’s personal lines program?We focus on hard-to-place and specialty personal lines accounts, such as high-value homes, personal umbrella for high-risk drivers, and in-home businesses. How quickly can I expect to receive a quote?We typically provide quotes within 24 hours, and many are completed the same day. Are your personal lines markets admitted or non-admitted?We offer both admitted and non-admitted markets, depending on the risk and state-specific availability. Can you help with personal lines accounts that have been declined by standard carriers?Yes, we specialize in helping agents place accounts that may not qualify for standard market coverage. Do you offer direct billing on personal lines policies?Yes, many of our personal lines accounts are eligible for direct bill through our carriers. Need help placing an account? Connect with a market specialist.

SIU covers all Commercial Property needs…Large or Small! Southern Ins...ilable coverages include Commercial Property, General Liability, Crime, and Di...

... Ward Group as one of the Top 50 property and casualty insurers in the U.S. AI...andard risks, including challenging property conditions or driver profiles. T...

...300,000/$600,000 up to $2M/$4M Property enhancement endorsement includes ove...program includes General Liability, Property, Inland Marine, Auto, and access ...

... Motor Truck Cargo * Physical Damage * Truckers General Liability ...ble when Primary Liability, Physical Damage, and Motor Truck Cargo are written...