Search CompleteMarkets

... specific classes (for example, restaurants or florists). Broad property cov...., hood suppression inspection for restaurants). Need help placing an accoun...

... as dry cleaners, quick-service restaurants, salons, convenience stores, and s...mmon tenants include dry cleaners, restaurants, convenience stores, and servic...

Continental Risk, in partnership with Continental Marine Insurance Services, offers a specialized General Liability program tailored for small to mid-sized artisan and specialty trade contractors. Designed specifically for those engaged in residential and light commercial construction, this program provides comprehensive coverage solutions that meet the evolving needs of contractors working in new builds, remodels, and tenant improvement projects, including single-family home construction. Ideal Accounts and Appetite This program targets artisan contractors with annual payrolls under $1,000,000. It is well-suited for businesses operating in residential and commercial construction environments, particularly those focused on: New residential or commercial construction (excluding high-risk structures) Repair, remodeling, and tenant improvement projects Trades with 75% or more of their work falling into approved class codes With over 30 eligible class codes, this program accommodates a wide range of trades, including: Plumbing Carpentry Concrete HVAC Electrical Drywall Insulation And many more artisan contractor classes Coverage Highlights and Advantages Continental Risk’s program goes beyond basic coverage to include policy enhancements often required by project owners and general contractors. Available coverages include: Blanket Additional Insured Waiver of Subrogation Primary and Non-Contributory wording Per Project Aggregate Subsidence coverage (with limitations) Prior Projects coverage (with limitations) Maximum Coverage Limits $2,000,000 General Aggregate $2,000,000 Products Aggregate $1,000,000 Per Occurrence $1,000,000 Personal and Advertising Injury $1,000,000 Employee Benefits Liability $100,000 Fire Damage Legal Liability $5,000 Medical Payments Underwriting Notes and Risk Eligibility To streamline underwriting, risks must meet specific eligibility criteria. The program is open to contractors whose operations fall predominantly within approved classes and project types. Examples of eligible risks include: Licensed contractor building new single-family residences HVAC contractor performing commercial tenant improvements Ineligible risks include: New construction of condominiums, condominium conversions, or townhouses (exceptions may apply) Structures exceeding three stories (with some exceptions) Operations involving high-hazard exposures such as process piping, blasting, tunneling, landfills, emergency systems, or public utilities Territories and Availability This program is available in 47 states, offering broad geographic access for agents and brokers seeking a reliable solution for residential and light commercial contractor clients. Both admitted and non-admitted carrier options are available through Twenty Mile and other carrier partners, providing flexibility across a range of underwriting scenarios. Why Work With Continental Risk As an established excess and surplus lines broker, Continental Risk brings deep market access and underwriting experience in the artisan contractor space. Their partnership with Continental Marine Insurance Services and access to both admitted and non-admitted carriers means agents can find competitive solutions for a wide array of contractor clients. Whether your client is a small plumbing contractor or a remodeling specialist, you’ll benefit from a responsive team that understands the unique exposures of the construction industry. Frequently Asked Questions What types of accounts are a good fit for this program?Artisan and specialty trade contractors with less than $1,000,000 in annual payroll working on residential and light commercial projects are ideal candidates. Are both new construction and remodeling projects eligible?Yes, the program accepts new construction, remodeling, and tenant improvement work, including single-family residential builds. What are some of the ineligible risks?Projects involving condominiums, buildings over three stories, and high-hazard exposures like tunneling, blasting, or emergency systems are generally not eligible. Is this program available nationwide?It is available in 47 states, offering broad access for agents across most of the U.S. Do you offer both admitted and non-admitted options?Yes, the program includes access to both admitted and non-admitted carriers, depending on the state and risk profile. Need help placing an account? Connect with a market specialist.

Insurance Programs of America offers a nationwide Senior Living Insurance Program built for facilities that serve residents aged 55 and older. Marketed as SeniorLivingPro, the program delivers tailored property, liability and income solutions for independent senior housing, subsidized senior housing and age-restricted communities. Coverage is available in most states, with some county-level restrictions in designated Tier 1 and Tier 2 areas. Ideal Accounts and Appetite Age-restricted communities for residents 55 and older Both for-profit and non-profit senior living facilities Properties with or without emergency call systems Facilities offering subsidized rents, including Section 8, 202, 236, and LIHTC housing Multi-story buildings, including those not fully sprinklered This program is best suited for independent senior living communities, affordable senior housing and similar properties where on-site medical care is not the primary service. Accounts with active property management, routine resident screening, and basic life-safety systems are preferred. Risks requiring on-site skilled nursing or assisted living services should be reviewed with underwriting prior to submission. Coverage Highlights and Advantages SeniorLivingPro is placed with top-rated markets, including Lloyd’s of London and other carriers rated "A+ VX" by A.M. Best. Coverage is written on ISO forms and enhanced with limits and options targeted to senior housing exposures: Broad property coverage extensions with available increased limits Boiler and machinery (equipment breakdown) options Limited flood and earthquake coverage available where applicable Business income coverage that can address loss of Low Income Housing Tax Credits (LIHTC) Underwriting Notes and Submission Requirements To accelerate underwriting and obtain competitive terms, provide complete submissions that include: Completed ACORD applications Three years of loss history / loss runs IPOA SeniorLivingPro supplemental application Minimum premium typically starts at $10,000. Submit packages to [email protected] for initial review; include building age, construction type, occupancy mix, protection/sprinkler details and management practices to improve turn times. Territories and Availability SeniorLivingPro is available in most U.S. states. Current territories include: 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. Some county- and tier-level restrictions apply in Tier 1 and Tier 2 areas; availability and admitted/non-admitted status vary by state. The program is written on both admitted and non-admitted paper depending on the jurisdiction. Why Work With Insurance Programs of America? As a Managing General Underwriter and Excess & Surplus Lines Broker, Insurance Programs of America (IPOA) specializes in niche real estate and community-based risks. IPOA provides agents with access to multiple high-quality markets, focused underwriting for senior housing exposures, and program wording tailored to the operational realities of age-restricted communities. IPOA’s underwriting approach balances risk characteristics—construction, fire protection, management controls and subsidy programs—so agents can place a broad range of senior living accounts that may not fit standard admitted market appetite. Example scenarios where SeniorLivingPro fits well: You represent a three-story LIHTC senior housing property that is partially sprinklered and has no on-site medical services — SeniorLivingPro can provide property and business income limits designed for that risk profile. An independent senior living complex with mixed for-profit and non-profit units, routine tenant screening and emergency response systems — the program can offer tailored liability and equipment breakdown options. Frequently Asked Questions What types of accounts are a good fit for this program?Facilities serving residents aged 55 and older, including independent senior living, subsidized senior housing and age-restricted communities without on-site healthcare services. Are non-sprinklered or partially sprinklered buildings eligible?Yes. Multi-story buildings that are not fully sprinklered can qualify; underwriting will evaluate construction, fire protection and loss history to determine terms. Is the program available in all states?The program is available in most states listed above, but certain Tier 1 and Tier 2 counties may be restricted. Availability and admitted status depend on the state and carrier. What is the minimum premium for this program?Minimum premium typically starts at $10,000, though final pricing depends on risk characteristics, limits and location. What information is required for a submission?Provide completed ACORD applications, three years of loss runs and the IPOA SeniorLivingPro supplemental application. Include property details, occupancy mix and any subsidy program documentation to speed underwriting. Need help placing an account? Connect with a market specialist.

...eral retail tenants including a restaurant An older warehouse used for light...

...ic or sterilization equipment Restaurants and food service operations with r...e-based equipment—such as offices, restaurants, retail centers, and healthcare...

...development or a building between tenants, Ck Specialty’s program offers under...

Offices Insurance Allstar Financial Group’s Offices Insurance program through Allstar Underwriters is designed to help independent agents place property and casualty coverage for office-occupancy small businesses quickly and efficiently. Our underwriting team focuses on straightforward underwriting, flexible package or monoline options, and optional enhancements that make it easier to tailor terms for typical office risks and related occupancies. Use this program when you need an experienced MGA/E&S broker that can handle moderate-value office locations, package property and liability together, or place project-specific casualty limits with common contract endorsements. Ideal accounts and appetite Small to mid-size office buildings, professional suites, and multi-tenant office locations Related occupancies within the same risk profile: light retail, wholesale/showroom, institutional support spaces, and certain contractor or habitational adjuncts Accounts that require flexible limit structures, per-project or per-location aggregates, or common contractual coverages such as additional insured and waiver of subrogation Not typically intended for high-hazard manufacturing, heavy exposures, or large vacant-adapted redevelopment projects without prior approval Coverage highlights and advantages Property: Total Insurable Value (TIV) up to $5 million per location Monoline or packaged property/GL placements No coinsurance options available (subject to risk type) Optional property enhancements, including equipment breakdown Casualty: Primary limits up to $5M/$5M with minimum premiums starting around $500 and project-specific policy options Casualty optional endorsements: blanket additional insured, waiver of subrogation, primary/non-contributory wording, per-project/per-location aggregates, hired & non-owned auto (certain classes), and miscellaneous professional liability (certain classes) Umbrella: Limits up to $5 million; supported or unsupported umbrellas available with minimum premiums beginning near $750 Underwriting notes Allstar Underwriters works with multiple carrier partners and can place admitted or E&S paper depending on state and risk particulars. Typical underwriting considerations include occupancy details, tenant mix, property condition, loss history, and contract requirements. Common underwriting prerequisites include: AM Best-rated carriers for underlying limits (A-VI or better for auto/GL; B++ or better for employers liability where applicable) Typical GL underlying limits of $1M/$2M/$2M unless alternate structures are requested Minimum premiums can vary by product and state—refer to program guidelines for account-specific pricing Territories and availability This program is available through Allstar Financial Group in AL, GA, LA, MS, NC, SC, TN, and VA. Coverage form availability (admitted vs. non-admitted) may vary by state and carrier — please confirm state eligibility when submitting. Example accounts that fit well A local property management client with several 10,000–30,000 sq ft multi-tenant office locations seeking a package policy with equipment breakdown and per-location property limits. A regional contractor needing project-specific primary liability coverage for office build-outs where contract endorsements (additional insured, waiver of subrogation, and primary/non-contributory wording) are required. Why work with Allstar Financial Group on Offices Insurance Allstar combines dedicated small-business underwriting with the placement flexibility of an MGA and E&S broker. That means faster responses on mid-market office risks, tailored endorsements for contract-driven accounts, and access to multiple carrier platforms for admitted or non-admitted placements. Our Small Business Solutions underwriters are available to review submissions, suggest appropriate enhancements, and help structure limits to match your client’s contractual and operational needs. Ready to submit? Prepare loss runs, tenant/occupancy information, building values, and any contract wording requests to accelerate review. For complex or higher-value accounts, include photos and a description of risk mitigation measures (sprinklers, alarms, security) to improve placement options. Frequently Asked Questions What types of office accounts are a good fit for this program?Small to mid-size office buildings and multi-tenant professional suites with TIV up to $5M per location, plus related light retail, wholesale, and institutional occupancies. The program also supports contractor-related office build-outs and project-specific casualty placements. Can I get both property and liability in a single package?Yes. The program offers monoline or packaged property and casualty solutions. Package options are helpful when you want coordinated limits and endorsements across property and liability lines. Which endorsements and contractual coverages are available?Common optional enhancements include blanket additional insured, waiver of subrogation, primary/non-contributory wording, per-project/per-location aggregates, and hired & non-owned auto or miscellaneous professional liability for certain classes. What are the minimum premiums and limits I should expect?Minimum premiums vary by product and state. As a guideline from the program: casualty minimums start around $500 and umbrella minimums start around $750; property and umbrella limits are available up to $5M. Submit specifics for an accurate premium indication. Need help placing an account? Connect with a market specialist.

Program Highlights for Farm Insurance: Colonial General Insurance Agency, Inc. offers a Farm & Ranch Insurance Program designed for small to mid-sized farms across the Western U.S. The program handles owner-occupied operations as well as properties rented to third parties. Coverage options are flexible so you can tailor a package for seasonal residences, tenant-occupied farms, or active family operations. Ideal Accounts and Appetite This program is a good fit for agents placing: Small to mid-sized farms and ranches (crop, livestock, hobby farms) Owner-occupied dwellings where farming is the primary activity Seasonal, secondary-use, or part-time farm properties Tenant-occupied farm dwellings and leased hobby farms Example accounts you might submit: a client who leases a hobby farm in Colorado and needs liability and scheduled farm property, or a part-time ranch owner in Utah who needs dwelling coverage while on-site seasonally. Coverage Highlights and Advantages Key coverage features Basic or Broad form property options Comprehensive personal liability coverage for farm-related exposures Coverage for Farm & Ranch structures — barns, fences, corrals, and outbuildings Farm & Ranch personal property protection for tools, equipment, and small machinery Dwelling and contents available on Replacement Cost or Actual Cash Value basis Flexible policy structures Owner-occupied / Seasonal: Dwelling and Liability package with optional scheduled Farm Property and Farm Personal Property Tenant-occupied: Dwelling and Loss of Use with optional scheduled Farm Property Tenant package: Contents, Loss of Use, and Liability with optional scheduled Farm Personal Property Underwriting Notes Colonial General works with multiple admitted and non-admitted markets to find the right placement for each account. Underwriting is case-by-case: the program is designed to be flexible around farming operations, seasonal occupancy, and tenant situations. Provide complete details about operations, structures, values of farm property, and any hired/contract labor to get the most accurate quote. Territories and Availability The Farm & Ranch program is available in these states: Arizona (AZ) Colorado (CO) Idaho (ID) Nevada (NV) New Mexico (NM) Utah (UT) Wyoming (WY) Why Work With Colonial General Insurance Agency, Inc.? As a Managing General Agency and Excess & Surplus Lines broker, Colonial General brings focused expertise in farm and ranch risks. Agents get responsive underwriting, access to a range of markets (admitted and non-admitted where available), and the ability to tailor coverages for seasonal, tenant, or owner-occupied farms. The MGA structure helps when accounts need flexible terms or access to specialty capacity. Frequently Asked Questions What types of accounts are a good fit for this farm insurance program?This program is ideal for small to mid-sized farms, including owner-occupied, seasonal, and tenant-occupied properties across AZ, CO, ID, NV, NM, UT, and WY. Can I write coverage for tenant-occupied farm dwellings?Yes. Colonial General offers options for tenant-occupied farms, including coverage for the dwelling, Loss of Use, and scheduled farm property. Are both personal and business farm property covered?Yes. The program includes options for both Farm & Ranch structures (barns, fences) and Farm Personal Property (tools, machinery, small equipment). Is this program available on an admitted basis?Some markets within the program are admitted; availability depends on the state and the specific account. Colonial General can also place accounts in non-admitted markets when necessary. What carriers does Colonial General work with for this program?Carrier availability varies by state and account. Colonial General partners with a range of admitted and E&S markets to provide competitive options for farm and ranch risks. Need help placing an account? Connect with a market specialist.