Search CompleteMarkets

...Pollution Liability for Scheduled Vehicles National Environmental Coverage Co...he risk profile, number of scheduled vehicles, cargo, and operating territory....

...nge centers Classic and antique vehicle dealers and restorers Tow truck op...site, mileage and use of tow/service vehicles, claims history, employee traini...

...e Ability to schedule service vehicles used in the business (customer transport or pickup/drop-off vehicles) Optional coverages include bro...the shop’s operations, security, and vehicle exposure. Can I place property co...

...eds, households with recreational vehicle exposures, and applicants with certa...

...alet operator handling high-value vehicles that needs garagekeepers, excess li... Be prepared to provide details on vehicle schedules, garagekeeper exposure, repair procedures, daily vehicle counts, and any on-site storage o...

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.

...rations, annual payroll/sales and vehicle exposures for contractors and servic...nd exposure details (payroll, sales, vehicles). For contractors or hospitality...

... therapy programs Horse-drawn vehicle rides Animals and saddles for re...

...Liability and physical damage for vehicles used to transport crews, tools and ...

J.M. Wilson offers a flexible and comprehensive Employment Practices Liability Insurance (EPLI) program designed for a wide range of business classes. No matter the size or industry, nearly every employer faces the risk of employment-related claims. Our EPLI solutions help your clients manage these exposures while giving you access to competitive markets and expert underwriting support. Ideal Accounts and Appetite Our EPLI markets are open to: New ventures and startups Accounts with prior or adverse loss history Organizations with fewer than 500 employees Target classes include: Small businesses, especially under 150 employees Auto dealerships Medical and healthcare professionals, including doctors and physicians Law firms Restaurants, hotels, and other hospitality businesses Manufacturers (miscellaneous classes) Contractors and construction-related businesses Whether your client is a new restaurant owner or a growing construction firm with a handful of staff, we can help you secure tailored EPLI coverage to manage their exposures. Coverage Highlights and Advantages Our EPLI program is built to respond to today’s most pressing employment-related risks. Key features include: Claims-made and reported coverage Written on admitted paper (where applicable) Broad “All-Risk” form covering claims such as: Discrimination (age, sex, race, gender) Sexual and workplace harassment Wrongful termination, retaliation, and constructive discharge Failure to promote or demotion Invasion of privacy and defamation Fair Labor Standards Act (FLSA) wage and hour claims – $100,000 sub-limit Vicarious liability for intentional acts Coverage for all employee types Full prior acts standard Limits available up to $5 million Defense outside the limits available Optional third-party coverage Optional cost-in-addition coverage Punitive damages coverage where permitted by law Access to HR Protection risk management services – including unlimited hotline support from attorneys and HR professionals Underwriting and Market Access Our dedicated brokerage underwriters specialize in EPLI and are available to assist with quoting and placing even harder-to-place risks. We work with a variety of carriers, both admitted and non-admitted, allowing us to find solutions for unique or distressed accounts. Territories and Availability This Employment Practices Liability Insurance program is available 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. Why Work With J.M. Wilson? As a trusted Managing General Agency and Excess & Surplus Lines Broker, J.M. Wilson brings decades of experience and deep market access to help you place EPLI coverage with confidence. We understand the evolving employment liabilities your clients face and provide fast, knowledgeable support from quote to bind. Whether you're placing a clean account or one with prior claims, we have the tools and carrier relationships to help you succeed. Frequently Asked Questions What types of accounts are a good fit for this EPLI program?This program is ideal for small to mid-sized businesses across many industries, especially those with fewer than 500 employees. We also consider new ventures and accounts with prior losses. Can you help with hard-to-place or distressed EPLI risks?Yes. We have access to admitted and non-admitted markets and can consider risks with adverse loss history or unique exposures. What coverages are included in the EPLI policy?The policy includes broad "All-Risk" coverage for discrimination, harassment, retaliation, wrongful termination, wage and hour claims (with sub-limits), and more. Optional enhancements are also available. Is third-party EPLI coverage available?Yes, third-party coverage is available as an optional add-on for many accounts. Which states is this program available in?This EPLI program is available in AL, AR, GA, IL, IN, IA, KS, KY, MI, MS, MO, NE, NC, OH, OK, PA, SC, TN, VA, WV, and WI. Need help placing an account? Connect with a market specialist.