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.
ARTISAN & SPECIALTY CLASSES
Appliance Repair & Installation
Cleaning & Janitorial Services
Demolition & Debris Removal
HVAC Installers & Technicians
Tree Trimming Services
RECREATION & LEISURE
Amateur Sports Leagues
Boats & Marine Recreation
Fitness & Exercise Centers
Motor and Powersports
Trampoline Park & Jumpzone
Travel Across the US/Mexico Border
Bars, Pubs & Taverns
Bed & Breakfasts
Hotels & Motels
Live Music & Event Venues
Lounges & Night Clubs
Beauty & Personal Care Services
Car Dealerships with Open Lots
Clothing & Apparel
Tattoo & Body Piercing Shops
Cargo Shipping & Freight
Dump Trucks & Haulers
Limousine & Chauffeured Transport
Churches & Religious Institutions
Garage & Repair Shops
Manufacturing, Wholesalers & Distributors
Non-Profit & Volunteer Organizations
Premises & On-Site Liability
Storage & Warehouse
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?
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.
Covers the business from loss to one of its vehicles and from a liability loss in the event of an accident involving such vehicles.
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 (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.