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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.

... occupancy No more than 50% subsidized housing or student renters Mixed-use ri...nt drain suction systems. Is student housing eligible for coverage?Yes, but on...

...g, or recreation • Student or subsidized housing • Group homes (other than some sin...nsurance, farms, houseboats, student housing, land with docks, and locations i...