Specialty Lines
Specialty Industry Insurance — Coverage Built for How You Actually Operate
Standard commercial policies don't always fit specialized operations. We write inland marine, builders risk, trucking, garage liability, pollution, crime, farm, event, and more — matching coverage to the actual risks of your industry.
Specialty Lines We Write
These coverages go beyond standard commercial packages to address the specific risks of specialized industries and operations.
Inland Marine
Despite the name, inland marine has nothing to do with water. It covers property in transit, mobile equipment, contractor tools, and property at job sites or off-premises — things a standard commercial property policy misses.
- →Contractor tools and equipment
- →Property in transit
- →Installation floaters
- →Equipment floaters and leased equipment
Builders Risk
Covers buildings and structures under construction or renovation — from the ground up through project completion. Protects the project owner, contractor, and lender's interest in the work in progress.
- →New construction and renovation
- →Coverage for materials on site and in transit
- →Soft costs and delay in completion
- →Course of construction for owner and lender
Commercial Trucking
Specialized auto and liability coverage for trucking operations — for-hire carriers, owner-operators, and fleet operators. Standard commercial auto often excludes or limits trucking operations.
- →For-hire trucker liability
- →Motor cargo (what's in the truck)
- →Physical damage for rigs and trailers
- →Non-trucking liability (bobtail)
Garage Liability
Covers auto dealers, service stations, repair shops, and parking operations against the unique liability of working on customers' vehicles — including garagekeepers legal liability for customer vehicles in your care.
- →Dealer physical damage (open lot)
- →Garagekeepers legal liability
- →Service operation liability
- →Auto dealer errors and omissions
Pollution Liability
Standard GL policies typically exclude pollution — yet many businesses face pollution exposure. Environmental contractors, manufacturers, real estate owners, and transportation companies often need standalone pollution coverage.
- →Contractor pollution liability (CPL)
- →Site pollution liability for property owners
- →Transportation pollution for haulers
- →Products pollution liability
Commercial Crime
Covers losses from employee theft, forgery, computer fraud, funds transfer fraud, and third-party crime. Separate from fidelity bonds — crime policies are broader and more flexible.
- →Employee dishonesty / theft
- →Forgery and alteration
- →Computer and funds transfer fraud
- →Third-party crime coverage
Farm & Agriculture
Specialized coverage for farming operations — farmowners policies, crop insurance, livestock coverage, agricultural equipment, and agribusiness liability. Standard commercial policies rarely cover farm exposures.
- →Farmowners multi-peril policy
- →Farm equipment and machinery
- →Livestock and crop coverage
- →Agricultural custom operations liability
Wind & Catastrophe
Standalone wind and hail coverage for businesses in coastal or high-wind areas where standard commercial property policies exclude or significantly restrict wind damage.
- →Standalone wind coverage
- →Named storm deductibles
- →Commercial property wind exclusion buyback
- →Coastal and Gulf Coast risks
Event & Special Events
Short-term liability coverage for specific events — trade shows, concerts, festivals, corporate events, and one-time gatherings. Standard GL policies often don't extend to off-premises events.
- →One-day and multi-day events
- →Liquor liability for events with alcohol
- →Vendor and exhibitor coverage
- →Cancellation and abandonment coverage
Vacant Property
Standard commercial property policies restrict or exclude coverage on vacant buildings. Standalone vacant property policies protect owners and investors during renovation, between tenants, or in development.
- →Vacant commercial buildings
- →Properties under renovation
- →Development properties
- →Investor and lender protection
Excess Liability (Specialty)
For non-standard risks that need additional limits above specialty policies — contractors, transportation, environmental, and others that can't simply add a standard umbrella.
- →Follows specialty underlying forms
- →Available for non-standard risks
- →High-limit programs available
- →Multiple carrier options
Additional Specialty Lines
We write a wide range of additional specialty coverages across industries not listed here. If your business has a unique risk, we almost certainly have a carrier relationship to address it.
- →Tank and storage liability
- →Liquor liability
- →Product recall
- →Professional lines for specialized trades
Specialty Lines We Write
These coverages go beyond standard commercial packages to address the specific risks of specialized industries and operations.
Inland Marine
Despite the name, inland marine has nothing to do with water. It covers property in transit, mobile equipment, contractor tools, and property at job sites or off-premises — things a standard commercial property policy misses.
- →Contractor tools and equipment
- →Property in transit
- →Installation floaters
- →Equipment floaters and leased equipment
Builders Risk
Covers buildings and structures under construction or renovation — from the ground up through project completion. Protects the project owner, contractor, and lender's interest in the work in progress.
- →New construction and renovation
- →Coverage for materials on site and in transit
- →Soft costs and delay in completion
- →Course of construction for owner and lender
Commercial Trucking
Specialized auto and liability coverage for trucking operations — for-hire carriers, owner-operators, and fleet operators. Standard commercial auto often excludes or limits trucking operations.
- →For-hire trucker liability
- →Motor cargo (what's in the truck)
- →Physical damage for rigs and trailers
- →Non-trucking liability (bobtail)
Garage Liability
Covers auto dealers, service stations, repair shops, and parking operations against the unique liability of working on customers' vehicles — including garagekeepers legal liability for customer vehicles in your care.
- →Dealer physical damage (open lot)
- →Garagekeepers legal liability
- →Service operation liability
- →Auto dealer errors and omissions
Pollution Liability
Standard GL policies typically exclude pollution — yet many businesses face pollution exposure. Environmental contractors, manufacturers, real estate owners, and transportation companies often need standalone pollution coverage.
- →Contractor pollution liability (CPL)
- →Site pollution liability for property owners
- →Transportation pollution for haulers
- →Products pollution liability
Commercial Crime
Covers losses from employee theft, forgery, computer fraud, funds transfer fraud, and third-party crime. Separate from fidelity bonds — crime policies are broader and more flexible.
- →Employee dishonesty / theft
- →Forgery and alteration
- →Computer and funds transfer fraud
- →Third-party crime coverage
Farm & Agriculture
Specialized coverage for farming operations — farmowners policies, crop insurance, livestock coverage, agricultural equipment, and agribusiness liability. Standard commercial policies rarely cover farm exposures.
- →Farmowners multi-peril policy
- →Farm equipment and machinery
- →Livestock and crop coverage
- →Agricultural custom operations liability
Wind & Catastrophe
Standalone wind and hail coverage for businesses in coastal or high-wind areas where standard commercial property policies exclude or significantly restrict wind damage.
- →Standalone wind coverage
- →Named storm deductibles
- →Commercial property wind exclusion buyback
- →Coastal and Gulf Coast risks
Event & Special Events
Short-term liability coverage for specific events — trade shows, concerts, festivals, corporate events, and one-time gatherings. Standard GL policies often don't extend to off-premises events.
- →One-day and multi-day events
- →Liquor liability for events with alcohol
- →Vendor and exhibitor coverage
- →Cancellation and abandonment coverage
Vacant Property
Standard commercial property policies restrict or exclude coverage on vacant buildings. Standalone vacant property policies protect owners and investors during renovation, between tenants, or in development.
- →Vacant commercial buildings
- →Properties under renovation
- →Development properties
- →Investor and lender protection
Excess Liability (Specialty)
For non-standard risks that need additional limits above specialty policies — contractors, transportation, environmental, and others that can't simply add a standard umbrella.
- →Follows specialty underlying forms
- →Available for non-standard risks
- →High-limit programs available
- →Multiple carrier options
Additional Specialty Lines
We write a wide range of additional specialty coverages across industries not listed here. If your business has a unique risk, we almost certainly have a carrier relationship to address it.
- →Tank and storage liability
- →Liquor liability
- →Product recall
- →Professional lines for specialized trades
Why Specialty Risks Need Specialty Carriers
Standard commercial insurance carriers are built for standard risks. When your operations fall outside the norm, you need carriers with specialized underwriting appetite, industry expertise, and claims handling for your type of business.
Surplus Lines Market
Many specialty risks require surplus lines carriers — non-admitted insurers who can write coverage that admitted carriers can't or won't. We have access to the E&S market through wholesale relationships.
Industry Expertise
Specialty underwriters understand your industry's specific risks — they don't apply generic rates to specialized operations. That means more accurate pricing and coverage that actually fits.
Claims That Pay
A standard carrier who writes specialty risk reluctantly will look for exclusions when a claim hits. Specialty carriers who understand your industry are far less likely to deny valid claims.
Independent Advantage
As an independent agency, we access both admitted and surplus lines markets. We're not limited to one carrier's appetite — if your risk is insurable, we find the right home for it.
Common Questions
-
Surplus lines carriers (also called non-admitted carriers or E&S market) are insurers that are not licensed in every state but are approved to write business that admitted carriers can't or won't take. If your risk is unusual, high-hazard, has a claims history, or requires a specialized form, surplus lines is often the answer. We have access to this market through our wholesale relationships.
-
Despite the name, inland marine has nothing to do with boats or water. It covers property that moves — contractor tools, equipment at job sites, property in transit, and property in the care of others. It fills the gap that commercial property policies leave when property leaves your premises.
-
Yes. Your existing commercial property policy typically covers the building's existing value — not the cost of construction work in progress or new materials on site. A builders risk policy is specifically designed to cover the construction project itself.
-
Typically not. Standard commercial auto policies often have exclusions or limitations for for-hire trucking, cargo liability, and non-trucking liability. Trucking operations need specialized commercial trucking coverage with the appropriate filings (MCS-90 endorsement for federally regulated carriers).
-
Often yes. The surplus lines and specialty market exists precisely for risks that standard carriers decline or surcharge significantly. We'll be straightforward with you about what's available and at what price — and if coverage genuinely isn't available, we'll tell you that too.