Habitational dwelling with five or more units. Apartment buildings with one or multiple locations. Up to 100 units per building/500 units per policy.

1-4 Family Dwellings

Tenant-occupied 1-4 family dwellings or owner-occupied 2-4 family dwellings.


Our Janitorial Services product provides comprehensive coverage for the unique exposures faced by today’s residential and commercial contractors. All coverages are provided by a single policy.

Land Leased to Others

Land leased to others for use in their business operations and the applicant does not have any operations on the land.

Main Street Mercantile

More than 70 classes of business from antique stores to florists and bakeries to art galleries.

Vacant Building

Completely unoccupied buildings and vacant buildings undergoing renovations or remodeling. Vacant commercial and residential buildings, condominium units and rental space. Coverage for contents and risks with renovations is also available with no restriction on length of vacancy. We offer flexible policy terms of 3, 6, 9 or 12 months.

Vacant Land

Our product is specifically designed for land that is completely vacant, not leased to others and with no development or construction activities completed to develop the land.

Wedding Plus

General liability and liquor liability for a wedding with comprehensive coverages including rehearsal dinner, brunch the day after the wedding, damage to wedding attire, lost deposit coverage, etc.


Bar, Restaurant, Fine-dining and Fast Food including establishments with up to 100% liquor receipts.

Special Events

General liability and/or liquor liability for one-day, multi-day or annual event policies. We can consider over 100 event types including competitions, conventions and trade shows, parties, festivals, parades, musical performances, picnics, sporting events, fundraisers, rodeos, tournaments and many more.

Houses of Worship

The product specializes in covering small community, start-ups, storefront or inner city operations for all types of religious faiths and denomination.

Miscellaneous Errors and Omissions for Specified Professions

Provides liability coverage for the financial loss of a third party resulting from alleged violations of professional standards or errors in performing a professional service. We can consider over 100 unique classes of business including consultants, employment agencies, forensic investigators, tax preparers and many more.

Nonprofit Management Liability

Nonprofit and charity Directors and Officers are legally responsible for the day-to-day decision-making of their organization. These board members can be held personally liable for any breach of duty or employment-related claim. Our product is tailored to safeguard against the exposures these directors and officers face.

Technology Errors and Omissions

Covers the financial loss of a third party arising from the failure of a technology professional’s product or service to perform as intended or expected. The product is intended to protect providers of technology products and services, such as computer software and hardware manufacturers, application service providers, technology consultants, website designers and firms that store corporate data on an off-site basis.