What we do We place unusual and specialized property and casualty insurance with admitted and approved non-admitted insurance companies for risks located in Virginia, Maryland and the District of Columbia. People come to us for help in placing coverage that standard insurance companies are unable to write. It's our job to figure out a way to place the insurance. It may be that the applicant fits into a classification that is outside of the grid of what standard insurance companies are willing to even consider, regardless of the merits of the particular risk. We take the time to discover and understand the individual characteristics of what each risk is all about.
Some risks are uninsurable in standard markets because of their prior loss history.
We'll ask the right questions to enable us to find a way to fix the problem. Solutions may include changes in the way the applicant operates, higher deductibles, restrictive policy wording or sometimes, just higher premiums. When applicants are involved in new or unusual operations that other insurance underwriters can't handle, because they don't understand the nature of the risk, or don't have adequate actuarial experience to know how to price coverage, or don't have a policy form that does the job, we'll work to provide custom-manuscripted solutions. We don't deal directly with the insurance-buying public. Our clients are properly licensed insurance agents and brokers with whom we have contractual relationships.