What we place
Coverage we place
The commercial lines that decide whether a hard-to-place account gets written — and the wording inside them that decides whether a claim gets paid. We place each through the specialty and surplus lines markets retail buyers can't reach directly.
Core commercial lines
Workers' compensation
The toughest line to place for high-hazard trades. We get the class codes and payroll presented correctly, because that's what moves a difficult account from declined to quoted.
General liability
Where the exclusions and sublimits decide whether you're actually covered. We read the form, not just the limit on the front page.
Equipment & inland marine
Chippers, cranes, tools, and rented gear — scheduled versus blanket, and the valuation gaps that only surface after a loss.
Specialty lines
Specialty liability lines
Liquor liability
Standard policies exclude it for anyone serving alcohol. We place the dram-shop coverage California venues actually need.
Assault & battery
For late-night venues the A&B endorsement wording — sublimit, security, staff — matters more than the headline limit.
Abuse & molestation
The defining coverage for group homes, daycares, and behavioral health — claims-made versus occurrence, and the retroactive date that decides a claim.
Rounding out the program
Most accounts need more than one line. We coordinate the supporting coverages so the whole program fits together, with no gaps between policies.
Commercial auto
Trucks, trailers, and mobile equipment on the road — hired and non-owned exposure included.
Umbrella & excess
Higher limits layered above the primary lines for contracts and larger jobs that demand them.
Professional liability
Errors-and-omissions exposure for services and advice, where a general liability policy stops short.
Tell us what you need covered
Send the lines you're trying to place and where you are in your policy term. Non-renewed or post-claim? That's our specialty — it won't shock us.