Primary GL and small-tower excess for the main-street and trades accounts admitted markets price punitively. From artisan contractors to single-location restaurants to independent event venues. We underwrite the business, not the SIC code.
Plain-English appetite. If your risk fits, send the file. We'll give you a clear first read quickly.
Three recent accounts. Classes disguised, structure real.
Family-owned general contractor, 9 employees, residential kitchen/bath remodels in central Texas. Action-Over carve-back for subcontractors. $1M/$2M primary with $1M lead umbrella.
Single-location craft brewery with 1,200 sq ft taproom, outdoor seating, occasional live music. Liquor liability bundled, assault & battery sublimit included. Prior carrier exited the class.
22-employee landscaper doing HOA and small commercial, chemical application included. Prior W&H settlement; tightened time-keeping. Bound with pesticide-applicator endorsement.
Plain-English business classes that bind on this line. Each links to a full appetite page with limits, subjectivities, and state nuance.
· See all 45 classes in the appetite index or try the checker