SPECIALTY RISK
Coastal or Wildfire Zone Properties
Properties in high-risk areas are often excluded by standard carriers.
We work with specialty markets that offer tailored coverage for wildfire-prone and coastal exposures.
Lapsed, Non-Renewed, or Canceled Coverage
Even with a coverage gap, you still have options.
We help secure new policies for properties or businesses that have been dropped, canceled, or non-renewed.
High MOD Workers Comp
A high Experience Modification Rate (MOD) doesn’t mean you’re uninsurable.
We place workers comp policies for businesses with prior claims, audit issues, or loss history challenges.
Short-Term Rentals (Airbnb/Vrbo)
Standard homeowners insurance may not apply to income-generating short-term rentals.
We offer policies designed for Airbnb, Vrbo, and vacation properties used commercially.
Bar & Hospitality
Liquor liability, assault & battery, and coverage for nightlife or late-night venues. Also protects against claims from patrons, employees, and incidents tied to on-premises operations.
Excess & Surplus Lines
For risks outside the norm, whether in size, exposure, or claims history, E&S markets are essential. We broker directly with top wholesalers and underwriters in the surplus space.
Coastal or Wildfire Zone Properties
Properties in high-risk areas are often excluded by standard carriers.
We work with specialty markets that offer tailored coverage for wildfire-prone and coastal exposures.
Lapsed, Non-Renewed, or Canceled Coverage
Even with a coverage gap, you still have options.
We help secure new policies for properties or businesses that have been dropped, canceled, or non-renewed.
High MOD Workers Comp
A high Experience Modification Rate (MOD) doesn’t mean you’re uninsurable.
We place workers comp policies for businesses with prior claims, audit issues, or loss history challenges.
Short-Term Rentals (Airbnb/Vrbo)
Standard homeowners insurance may not apply to income-generating short-term rentals.
We offer policies designed for Airbnb, Vrbo, and vacation properties used commercially.
Bar & Hospitality
Liquor liability, assault & battery, and coverage for nightlife or late-night venues. Also protects against claims from patrons, employees, and incidents tied to on-premises operations.
Excess & Surplus Lines
For risks outside the norm, whether in size, exposure, or claims history, E&S markets are essential. We broker directly with top wholesalers and underwriters in the surplus space.
Already Have Coverage?
We offer free, no-pressure policy reviews. Whether your business is growing or your risk has changed, we’ll help you evaluate what you have and identify what you might be missing.