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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

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.

Handmade Shells


Appliance Repair & Installation


Cleaning & Janitorial Services

Demolition & Debris Removal




HVAC Installers & Technicians




Roofing Contractors

Tree Trimming Services

Window Cleaners

Playing Foosball


Amateur Sports Leagues


Boats & Marine Recreation

Bowling Alleys


Fitness & Exercise Centers

Golf Courses

Motor and Powersports

Swimming Pools

Trampoline Park & Jumpzone

Travel Across the US/Mexico Border

Volunteers on Construction Site


Builder's Risk

Custom Home Builders

General Contractors & Subcontractors

Home Remodelers

Railroad Contractors

Drinking Wine


Adult Clubs

Bars, Pubs & Taverns

Bed & Breakfasts


Comedy Clubs

Hotels & Motels

Jazz Clubs

Liquor Liability

Live Music & Event Venues

Lounges & Night Clubs


Sports Venues

Browsing the Rack


Beauty & Personal Care Services

Car Dealerships with Open Lots

Car Washes

Clothing & Apparel

Convenience Stores

Grocery Stores

Home Goods


Pawn Shops

Self-Storage Facilities

Supply Stores

Tattoo & Body Piercing Shops

Upholstery Shops

Vape Stores

Traveling with Headphones


Cargo Shipping & Freight

Delivery Services

Dump Trucks & Haulers

Excess Auto

Limousine & Chauffeured Transport

Ocean Marine

Shuttle Services

Taxi Services

Towing Services


Valet Parking

Girl at the Pediatrician


Allied Medical Providers/Medical Liability

Cannabis Dispensaries


Medical Malpractice

Medical Research & Manufacturing

Senior Care & Assisted Living Facilities

Home Goods Shop



Churches & Religious Institutions


Equipment Rental

Garage & Repair Shops

Inland Marine

Manufacturing, Wholesalers & Distributors

Non-Profit & Volunteer Organizations

Premises & On-Site Liability

Public Entities


Special Events

Storage & Warehouse


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.

Thimble - Insure Quality
Nationwide Insurance - Insure Quality
The Hartford Insurance - Insure Quality
Infinity Insurance - Insure Quality
Progressive Insurance - Insure Quality
Liberty Mutual Insurance -Insure Quality
Guard Insurance - Insure Quality

Related Protection

Auto Insurance

Auto Insurance

The open road is calling your name. So is the right insurance for your car. See what coverages fit your car, your lifestyle, and your budget.

Home Insurance

Home Insurance

Someday your home may face theft, liability, fire, flood or natural disasters. That's why it's important to safeguard your most valuable asset with the best coverage.

Umbrella Insurance

Additional Coverages

Get coverage for nearly any asset you need to protect. Insure Quality is the one-stop insurance shop. We provide insurance service for your car, home, business plus more.

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