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Mining & Quarries Insurance Program from Van Wagoner C...d or non-admitted? The Mining & Quarries program is written on a non-admit...

Commercial Sector Insurance Brokers is a national wholesale broker with over 100 years of combined expertise in the Mining Insurance sector. We specialize in placing coverage for above- and below-ground mining operations across the United States, including Alaska. Whether your clients are involved in coal mining, precious metal and mineral extraction, or aggregate operations, we have the experience and market access to help you place complex mining accounts with confidence. Overview of the Mining Insurance Program We understand that the mining industry is highly specialized and comes with significant operational and environmental exposures. Our dedicated Mining Insurance program is built to address these risks with tailored coverage solutions. From highwall mining operations to continuous miner accounts, we can handle a wide range of mining-related risks. We also have the ability to structure layered quota share policies for larger inland marine schedules. Ideal Accounts and Appetite Our program is designed for a broad range of mining-related risks, including: Coal mining operations Precious metals and mineral mining Aggregate and stone quarry operations Mining consultants and contractor labor accounts Manufacturers and distributors of mining equipment (Products Liability) If you have clients involved in specialized or high-risk mining operations, including those in remote or hard-to-place regions like Alaska or the Appalachian region, we may have the market solutions you need. Coverage Highlights and Advantages Our Mining Insurance program offers a comprehensive suite of coverages, with flexibility to tailor policies based on your clients’ specific exposures: • General Liability • Umbrella • Excess Liability • Higher Layered Excess • Auto Coverage • Property Insurance • Workers Compensation • Pollution Liability • Inland Marine We can support more complex placements, including layered excess structures and large inland marine schedules, giving you more options to serve larger or more specialized clients. Underwriting Notes and Minimum Premiums We work closely with agents and brokers to understand the full scope of your client’s operations. While minimum premium requirements may vary based on the size and complexity of the account, our underwriting team is equipped to evaluate both standard and complex risks with flexibility. Please contact us directly to discuss specific submissions and appetite. Territories and Availability Our Mining Insurance program is available in all 50 states, including the District of Columbia. Whether your client operates in a traditional mining state like West Virginia or a unique territory like Alaska, we have the geographic reach and carrier relationships to help you place the business. Why Work With Commercial Sector Insurance Brokers? Mining is a high-risk, detail-intensive industry — and it takes a true specialist to navigate the nuances of insuring it. At Commercial Sector Insurance Brokers, we bring decades of niche experience, strong market relationships, and a proactive approach to supporting our retail partners. We don’t just place policies — we help you deliver complete protection for your clients, backed by service and market access you can rely on. Frequently Asked Questions What types of accounts are a good fit for this Mining Insurance program?We are a strong fit for coal, mineral, and aggregate mining operations, as well as mining consultants, contractor labor accounts, and manufacturers or distributors of mining equipment. Can you help with hard-to-place or high-risk mining operations?Yes, we specialize in complex and high-risk mining accounts, including highwall mining and continuous miner operations. We can also structure layered excess and inland marine solutions for larger risks. Is this program available nationwide?Yes, our Mining Insurance program is available in all 50 states, including Alaska and the District of Columbia. Do you have markets for pollution liability and inland marine?Yes, we offer both pollution liability and inland marine coverage as part of our comprehensive Mining Insurance offering. What types of mining equipment risks can you cover?We can place products liability coverage for manufacturers and distributors of mining equipment, supporting you in protecting these specialized operations. Need help placing an account? Connect with a market specialist.

Van Wagoner Companies, Inc. is one of the longest-established surplus lines agencies in Texas and operates as a Managing General Agency (MGA). We give appointed agents and brokers access to competitive commercial insurance programs for hard-to-place and specialty risks, backed by carrier relationships that include Lloyd’s and Markel International. Broad appetite for commercial risks The Commercial Lines program is built to help you place a wide range of business accounts — from straightforward commercial property to more specialized or difficult-to-place exposures. Van Wagoner places accounts in both admitted and non-admitted markets when appropriate and works with appointed agents to find the best carrier fit. Target classes include: Apartment Houses – building, contents, inland marine, and liability Cargo – truck, air, or marine transit risks Commercial Packages – adaptable to most business classes Commercial Property – broad class acceptance Contractors Liability – multiple contractor classes Gas Stations and Convenience Stores General Liability – premises, products, and completed operations Greenhouses and Garden Centers Grocery Stores High-valued Automobiles – physical damage coverage Hotels and Motels Office Buildings Restaurants and Bars Shopping Centers and Malls Vacant Commercial Properties Coverage highlights and advantages Van Wagoner’s Commercial Lines program offers flexible coverages and structure to address the exposures your clients face. Key coverages include: Commercial Property — building, contents, and business interruption General Liability — premises, products and completed operations Inland Marine — contractor equipment, mobile property, and transit limits Physical Damage — coverage options for high-valued private automobiles The program is positioned to provide broad protection for hospitality, retail, construction, property owners, and other commercial operations where admitted or surplus capacity is required. Underwriting approach Van Wagoner underwrites through appointed agents, reviewing submissions to match accounts to the most appropriate carrier within their panel. While the appetite is broad, underwriters evaluate accounts based on class, location, exposures, loss history, and risk controls. The program accepts both admitted and non-admitted placements depending on the state and the risk. There is no published minimum premium, allowing flexibility across a range of account sizes. Available states This program is available to agents and brokers in the following states: Arizona (AZ) Arkansas (AR) California (CA) Connecticut (CT) Delaware (DE) Idaho (ID) Iowa (IA) Nevada (NV) New Mexico (NM) Oklahoma (OK) Pennsylvania (PA) Texas (TX) Utah (UT) Wyoming (WY) Why work with Van Wagoner Companies With decades of surplus-lines experience and deep underwriting relationships — including Lloyd’s and Markel International — Van Wagoner helps agents place complex and unusual commercial risks. The team emphasizes responsive service, practical underwriting guidance, and the ability to structure admitted or non-admitted options where appropriate. Example fits you may bring to this program: A mid-size apartment owner needing a combined property/liability package with inland marine for contents in a secondary market. A contractor with specialized equipment and a recent loss history who needs tailored inland marine and liability solutions through surplus markets. If you have a hard-to-place commercial account or need a surplus-lines solution, Van Wagoner can evaluate submissions and help secure the appropriate market placement. Need help placing an account? Connect with a market specialist. Frequently Asked Questions What types of accounts are a good fit for this Commercial Lines program?Good fits include apartment buildings, contractors, retail stores, hotels, restaurants, and commercial property owners. The program is well-suited for harder-to-place risks such as vacant properties and high-valued vehicles. Is this program available in admitted or non-admitted markets?Van Wagoner places business in both admitted and non-admitted markets depending on the state and class of business. Your appointed underwriter will identify the best option for each account. What carrier markets support this program?This program is backed by long-standing carrier relationships, including Lloyd’s and Markel International. Are there minimum premium requirements?There is no published minimum premium. Van Wagoner considers a range of account sizes when evaluating submissions. In which states is the program offered?The program is available in AZ, AR, CA, CT, DE, ID, IA, NV, NM, OK, PA, TX, UT, and WY. Need help placing an account? Connect with a market specialist.

...units and routine routes between quarries and local jobsites. A regional...

The Errors & Omissions Program includes coverages for: Insurance Agents Errors & Omissions Miscellaneous Errors & Omissions Overview — Van Wagoner Companies Errors & Omissions Program Van Wagoner Companies, Inc. offers an Errors & Omissions program placed through Lloyd's and underwritten for agents, brokers, and other professional services that need protection against mistakes, omissions, and professional liability exposures. This Managing General Agency program is positioned to help independent agencies and small to mid-sized professional firms secure tailored E&O protection across a variety of lines. Ideal Accounts and Appetite Independent and small to mid-sized insurance agencies producing personal and commercial lines. Producers and brokers offering specialty or niche products where advisory exposures exist. Miscellaneous professional service providers whose primary exposure stems from advice, placement, or administrative errors (subject to underwriting review). Van Wagoner’s program generally fits agencies and professionals with manageable loss history, sound procedures, and clear documentation practices. It is not typically intended for large national brokerages, firms with significant or unresolved regulatory actions, or accounts with frequent or recent professional liability claims unless specifically negotiated. Coverage Highlights and Advantages Flexible forms covering Insurance Agents E&O and Miscellaneous E&O exposures. Access to Lloyd’s capacity for competitive limits and specialized wording options. Underwriting tailored to agency operations—placement practices, carrier appointments, and client advisory exposure are evaluated to match coverage to the risk. Defence costs and claim handling aligned to market standards (specific terms and limits determined in underwriting). Underwriting Notes and Minimum Premiums Underwriting focuses on the agency’s product mix, premium volume, staff experience, claims history, and risk management practices. Common documentation requested includes carrier appointments, agency procedures, prior E&O applications, and loss runs. Because minimum premium structures vary by class and state, discuss specific minimums and program pricing with Van Wagoner underwriters during submission. Territories and Availability This program is available through Van Wagoner in the following states: AZ, AR, CT, LA, NV, NM, OK, TX, UT. The program is represented with Lloyd’s capacity and is positioned for placement in all available states listed above. Availability and admitted/non-admitted placement may vary by state and by specific account characteristics; confirm placement options with underwriting. Why Work With Van Wagoner Companies on E&O MGA expertise: Van Wagoner acts as an intermediary with focused underwriting for agency and professional liability risks. Market access: Lloyd’s placement offers capacity and flexibility for non-standard or specialty E&O exposures. Responsive underwriting: Designed to move quickly on submissions that meet appetite, with an emphasis on documentation and risk controls. Example Account Scenarios A three-producer independent agency that writes personal and commercial lines, seeks E&O limits to match their book of business and has a clean five-year loss history. A small consulting firm that provides risk management advice to local businesses and needs Miscellaneous E&O to respond to errors in professional services and documentation. Submission Tips Provide current loss runs and any prior E&O applications. Detail agency procedures for placing business, documenting client advice, and managing endorsements. Include a summary of producer appointments and top carriers for the agency’s book. Frequently Asked Questions What types of accounts are a good fit for this E&O program?Small to mid-sized independent insurance agencies and professional service firms that provide advisory or placement services and have reasonable loss histories and documented procedures are the primary targets for this program. Which states is the program available in?The program is available in AZ, AR, CT, LA, NV, NM, OK, TX, and UT. State-specific availability and placement (admitted vs. non-admitted) should be confirmed with underwriting. What documentation does underwriting typically require?Underwriters commonly request current loss runs, prior E&O applications, a description of agency procedures and controls, producer appointments, and a summary of the agency’s product mix and top carriers. Need help placing an account? Connect with a market specialist.

Oil Fields Insurance Program from Van Wagoner Companies, Inc. Van Wagoner Companies, Inc. offers a specialized Oil Fields insurance program designed for agents and brokers seeking tailored coverage solutions for clients operating in the energy sector. As a Managing General Agency with an exclusive Lloyd's contract, Van Wagoner delivers customized risk management solutions for oil field operations across the United States. Ideal Accounts and Appetite This program targets a wide range of oil field-related businesses, including but not limited to: Oil and gas lease operators Pipeline contractors Drilling contractors Well servicing companies Equipment rental and transportation companies servicing the oil field sector If you have clients involved in upstream or midstream energy operations, or service providers supporting these industries, this program could be a strong fit. For example, a Texas-based oilfield hauling company or a Wyoming well servicing contractor would fall within the program’s appetite. Coverage Highlights and Advantages The Oil Fields program offers a comprehensive package of coverages to meet the complex needs of energy-related operations. Available coverages include: Property General Liability (GL) Commercial Package coverage Inland Marine Van Wagoner’s access to Lloyd’s markets allows for flexibility in underwriting and the ability to craft policies for hard-to-place risks. Whether your client needs protection for mobile equipment, wellsite liability, or property exposures, this program is designed to respond to the unique challenges of the oil and gas industry. Underwriting Notes and Minimum Premiums Policies are written on a non-admitted basis through Lloyd’s of London, offering broad underwriting capabilities. While minimum premium requirements may vary by risk and location, Van Wagoner focuses on commercial clients with meaningful exposures and strong risk management practices. Submissions are reviewed individually by experienced underwriters with oil field expertise. Territories and Availability The Oil Fields program is available in all 50 states, including key energy-producing regions such as Texas, Oklahoma, North Dakota, Louisiana, and Pennsylvania. This nationwide reach allows you to place business for clients wherever their operations are located. Why Work With Van Wagoner Companies, Inc.? Van Wagoner Companies, Inc. brings deep industry knowledge and exclusive market access to the table. With a Lloyd’s contract exclusive to Van Wagoner, agents gain access to underwriting solutions not available elsewhere. The team understands the oil field industry’s nuances and is dedicated to helping agents secure competitive coverage for challenging risks. Fast turnaround times and responsive service help you serve your clients efficiently and professionally. Learn more about Van Wagoner Companies, Inc. by visiting their company profile or explore the full details of the Oil Fields program on their program page. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include oilfield service providers such as drilling contractors, well servicing companies, equipment haulers, and pipeline contractors. Is this program available nationwide?Yes, the Oil Fields program is available in all 50 U.S. states. What coverages are included in the program?The program includes Property, General Liability, Commercial Package, and Inland Marine coverages tailored to oil field exposures. Are the policies admitted or non-admitted?Policies are written on a non-admitted basis through Van Wagoner’s exclusive Lloyd’s contract. What makes Van Wagoner Companies, Inc. a strong partner for oil field risks?Van Wagoner offers niche expertise in the energy sector, exclusive access to Lloyd’s markets, and responsive underwriting focused on oil field operations. Need help placing an account? Connect with a market specialist.

Comprehensive Personal Lines Solutions from Van Wagoner Companies, Inc. Van Wagoner Companies, Inc. gives brokers and independent agents access to a broad, flexible Personal Lines program built for residential and personal risks that often sit outside standard market appetite. As an experienced Managing General Agency with strong carrier relationships—including Lloyds and Markel International—we place admitted and surplus lines business for hard-to-place, non-standard, and unique exposures across multiple states. Ideal Accounts and Appetite This program is designed for agents who need reliable markets for a wide range of personal property and liability risks. Typical accounts we write include: Single-family homes, including high-value and historic dwellings Rental properties and portfolios of rental dwellings Seasonal, vacant, or unoccupied homes awaiting sale or renovation Condominiums and apartment units Foreign-owned or owner-located-outside-the-U.S. homes Properties in flood- or wildfire-prone areas Personal articles and collections (fur, jewelry, fine arts) Farm and ranch properties with both residential and agricultural exposures Example: You might have a client with multiple rental dwellings in different states or a vacation home in a wildfire zone—Van Wagoner Companies can help you find the right admitted or surplus solution to place the account. Coverage Highlights and Advantages Through both standard and specialty markets, this program offers a full spectrum of coverages tailored to complex personal risks: Homeowners & Dwelling Options Homeowners forms A, B, C, 1–6, 8 Dwelling Fire (TP 1, 2, 3) Condominium unit-owner and apartment coverages Rental and vacant dwelling programs Flood insurance placement Coverage for foreign-owned homes Personal articles coverage for valuables, collections, and scheduled items Farm & Ranch Property coverage for residences, barns, and equipment Animal mortality options Farm liability, including premises and operations Because we place both admitted and non-admitted business, Van Wagoner Companies can accommodate unique property characteristics, recent lapses, or other underwriting challenges that limit standard-market availability. Underwriting Notes and Minimum Premiums Underwriting and minimum premiums vary by carrier and state. Our underwriting team offers flexible guidelines and will work with you to identify the most appropriate admitted or surplus market for each account. Provide complete loss history and detailed property information for the quickest response. Territories and Availability This Personal Lines program is currently available in: Arizona, Arkansas, California, Connecticut, Delaware, Idaho, Iowa, Nevada, New Mexico, Oklahoma, Pennsylvania, Texas, Utah, and Wyoming. We continue to expand capabilities—contact us to confirm current availability for a specific risk. Why Work With Van Wagoner Companies, Inc.? Van Wagoner Companies brings decades of MGA experience focused on personal property programs that fall outside traditional underwriting molds. Our carrier access (including Lloyds and Markel International), combined with hands-on underwriting and quick turnarounds, helps you place challenging risks and grow your book. We emphasize personalized service, pragmatic underwriting, and solutions-driven placement. Frequently Asked Questions What types of accounts are a good fit for this Personal Lines program?This program fits owner-occupied homes, rental properties, vacant dwellings, condominiums, foreign-owned homes, and farm or ranch properties with residential exposures. Can you write coverage for vacant or seasonal homes?Yes. We place both vacant and seasonal dwellings, including homes awaiting renovation or sale, using admitted or surplus markets as appropriate. Are high-value homes or collections eligible for coverage?Yes. We can insure high-value homes and provide personal articles scheduling for valuables such as fur, jewelry, and fine arts. Is this program available on an admitted or non-admitted basis?We access both admitted and non-admitted markets to give you the flexibility to place risks that standard carriers may decline. In which states is this Personal Lines program available?Coverage is currently available in AZ, AR, CA, CT, DE, ID, IA, NV, NM, OK, PA, TX, UT, and WY. Need help placing an account? Connect with a market specialist.

... Mines & Quarries Nurseries & ...

Manufacturers and Distributors Insurance Program from Environmental Underwriting Solutions Environmental Underwriting Solutions offers a wholesale insurance program designed for manufacturers, blenders, re-packagers, and distributors who handle environmentally sensitive or regulated products. The program blends Commercial General Liability (CGL) with Environmental Impairment Liability (EIL) and Products Pollution coverage to address the pollution and environmental exposures common to these operations. Whether a client manufactures industrial chemicals, paints and coatings, oilfield products, solvents, or water treatment chemicals, this program provides broad, pollution-focused protection. With flexible underwriting and access to multiple carriers, Environmental Underwriting Solutions helps brokers place complex environmental accounts that can be difficult to bind in standard markets. Ideal Accounts and Target Classes This program is a fit for a wide range of commercial operations, including: Manufacturers and blenders of industrial or specialty chemicals Re-packagers and contract packagers of hazardous or regulated materials Distributors and wholesalers of chemicals, paints, solvents, and cleaners Oilfield and energy-related product suppliers Water treatment chemical suppliers Manufacturers and distributors of environmental remediation equipment If your client stores, repackages, or transports chemicals—or otherwise has an accidental-pollution exposure—this program is designed to address those risks. Coverage Highlights and Program Features Key coverages and options include: Commercial General Liability (CGL) with optional Products Pollution coverage Claims-made Environmental Impairment Liability (EIL), with facility-level customization Emergency response cost coverage for pollution incidents that require immediate action Transit Pollution Liability for goods in transport Optional Non-Owned Disposal Site coverage Per-location and per-project general aggregate limits Coverage for both new and pre-existing pollution conditions on scheduled properties Additional Pollution Legal Liability (PLL) for exposures tied to products, contracting, or transportation of goods and waste Primary liability forms may include broad form named insured and additional insured status; no premium audit provision on certain programs Excess liability layers are available and can be tailored to include or exclude pollution, auto, and employers’ liability components as required. Underwriting Notes and Minimum Premiums This program is distributed on a wholesale basis with a minimum premium starting at $5,000. Competitive submissions typically include complete operational details, current loss history, site controls, safety programs, and information on storage/transport practices. Environmental Underwriting Solutions can accommodate a range of risk profiles, but accounts with strong loss control measures and clear documentation will receive the most favorable terms. Example scenarios that commonly place well: A regional distributor that repackages industrial cleaners and maintains centralized, secondary-contained storage with modern spill controls. A small manufacturer of specialty coatings that ships product nationwide, needs transit pollution coverage, and has documented environmental management procedures. Territories and Availability The Manufacturers/Distributors program is available in most states, including: AL, AK, 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, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY Coverage is typically placed on a non-admitted basis, although admitted options may be available in select states depending on carrier appetite. Why Work With Environmental Underwriting Solutions? As a wholesale broker specializing in environmental risk, Environmental Underwriting Solutions focuses on placing accounts with pollution and product-related exposures that standard carriers may decline or limit. Their strengths include: Deep niche expertise in environmental and pollution liability Access to multiple carriers and flexible program structures Responsive underwriting and the ability to tailor limits and endorsements by facility or project Experience placing accounts involving transit, disposal-site exposures, and product pollution You’ll find this program helpful when your client’s operations require specialized pollution wording, emergency response provisions, or coverage for pre-existing conditions on scheduled properties. Contact us for more information on our Manufacturers/Distributors program! Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for manufacturers, blenders, re-packagers, and distributors of chemicals, paints, solvents, coatings, remediation equipment, and similar industrial products. Does this program include pollution liability coverage?Yes, the program includes Environmental Impairment Liability (EIL), Products Pollution, and options for Transit Pollution and Non-Owned Disposal Site coverage. What is the minimum premium for this program?The minimum premium starts at $5,000. Submissions with detailed risk information and strong controls may qualify for the most competitive terms. Is coverage available in all states?Coverage is available in most U.S. states, including CA, TX, FL, NY, and others. Availability can vary by risk class and carrier appetite. What documentation is needed to submit an account?Underwriters typically request operational details, loss history, facility information, storage/transport practices, and safety protocols to evaluate and quote the account. Need help placing an account? Connect with a market specialist.