Market Access for Hard-to-Place Business Risks
We help independent agents place commercial risks that don’t fit the standard market. Whether you’re quoting an older apartment complex, a bar with liquor exposure, or a repair shop that needs garage liability, we’ll connect you to the right markets fast.
Our commercial lines programs are built to handle complex, unusual, or higher-hazard accounts — the ones standard carriers don’t want. Through E&S carriers and specialty markets, we provide flexible, responsive solutions so you can serve your clients without the red tape.
What We Cover
We specialize in tough-to-place commercial property & liability coverage across a wide range of industries. Below are our core focus areas — each with its own underwriting strengths and appetite.
Explore Our Commercial Lines Programs:
Habitational
Apartments, condos, townhomes, multi-family properties, vacant buildings, and mixed-use structures. Coverage for buildings with age, loss history, or high tenant density.
Restaurants & Bars
Hospitality-focused coverage including liquor liability, assault & battery, late-night venues, and venues with live entertainment.
Light Manufacturing
For small to mid-sized manufacturers and workshops. Markets available for fabrication, food products, metal goods, furniture, and more.
Mercantile
Retail stores, convenience shops, corner groceries, pawn shops, and other storefront operations. Especially useful for risks with theft exposure or property concerns.
Garage
Garage liability, garagekeepers, dealer’s open lot, and commercial property for service centers, auto body shops, and used car dealers.
Commercial
Lines FAQ
What types of commercial risks do you specialize in?
We focus on hard-to-place business risks in the habitational, hospitality, garage, manufacturing, and mercantile sectors. Think older buildings, prior claims, high-liability exposures, or non-standard business operations.
Do you offer coverage for businesses with prior losses or non-renewals?
Yes. Our E&S markets are flexible and often willing to consider risks that standard carriers have declined, especially if corrective actions have been taken.
Can you help with mixed-use properties (residential + retail)?
Absolutely. We regularly place coverage for mixed-use buildings — like a storefront with apartments above — through carriers comfortable with those exposures.
How fast can I expect a quote?
Most complete submissions are reviewed within 24–48 hours. The more detail you send (loss history, photos, full apps), the quicker we can get it turned around.
Are you licensed in all states?
We’re currently licensed and active in Tennessee, Kentucky, Mississippi, and Arkansas. We focus on these states to deliver local expertise and fast service.
