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Hard-To-Place Insurance
Have you recently had a large claim? Was your insurance cancelled or non-renewed? Does your business perform an out-of-the-ordinary and/or risky function? Insurance is available for every business out there, if you know where to look.
Hard-To-Place Doesn’t Mean Impossible to Insure
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Certain types of business don’t fit the mold of a typical insurance company. Your business might be hard to place or high risk if it is listed below.
SPECIALTY
Aviation
Churches & Religious Institutions
Energy
Equipment Rental
Garage & Repair Shops
Inland Marine
Manufacturing, Wholesalers & Distributors
Non-Profit & Volunteer Organizations
Premises & On-Site Liability
Public Entities
Recall
Special Events
Storage & Warehouse
Terrorism
Workers' Compensation
Understanding Hard-To-Place Insurance?
Insurance is the contractual transfer of the financial consequences of loss to another party. When you buy Insurance, an insurance company promises its duties, exclusions, and conditions under which they will cover you in the event of a loss.
There are various types of Insurance. All serve a special purpose, and you may not require most of them. Understanding your exposure to risk will help you know which policies your business will benefit from.
Here are the types of Insurance coverages you can buy:
Why Insure Quality?
Our Specialists help find coverage that protects your assets at a price that works for you. Our professionals are trained and ready to help assess your needs so you can select the most appropriate coverage for your unique business. We work with the top Insurance carriers in the country so you can be sure that any carrier you choose with us will be a reliable one.
What Are My Business Insurance Coverage Options?
General Liability
Protects the business from loss due to bodily injury or property damage caused by its activities or products.
Business Owners Policy (BOP)
A type of policy contains coverage for various types of insurance all in one convenient package. It protects businesses from major property and liability risks.
Business/Commercial Auto
Covers the business from loss to one of its vehicles and from a liability loss in the event of an accident involving such vehicles.
Commercial Umbrella
An Excess Liability policy that provides additional coverage over the General Liability, Auto Liability and Employers Liability policies and may provide coverage over the limits set by the underlying policy and for other exposures.
Directors & Officers
This coverage protects the board of directors and other key officers of the company from loss caused by lawsuits.
EPL Insurance
EPL Insurance (Employment Practices Liability) Provides coverage to employers against claims made by employees alleging discrimination (examples: based on sex, race, age, or disability), wrongful termination, harassment, and other employment-related issues, such as failure to promote.
Workers Compensation
Required coverage covers the Workers Compensation requirements provided by state law and provides for payment of employee injuries.
Insurance Partners
We work with several Insurance partners to compare rates and get you the best insurance coverage and price possible. We shop dozens of carriers to find you the type of insurance that fits your needs, in addition to surplus lines.
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