For retail agents
The retail agent's problem is rarely the price. It is finding a carrier that will look at the risk at all.
Submit a riskIt is access, not just a quote.
A wholesale arrangement gives you appointments with carriers that do not contract with retail agents directly. For classes the standard market has walked away from, that access is the whole value.
It also gives you a second set of underwriting eyes. A wholesale broker who writes your class every day knows which carrier will look at a specific exposure and which will decline on sight.
Where binding authority exists, it removes a step. Instead of waiting on a carrier underwriter, the wholesale broker can commit within their authority and issue documents immediately.
Including roofing, concrete and other trades the admitted market restricts.
Older buildings, prior claims and habitational classes carriers avoid.
Auto liability and physical damage for small fleets and owner-operators.
Including late-night operations and prior losses.
Yes, for agents who bring us business in classes we write. Tell us your classes and states.
Usually within a day for a complete submission. Incomplete submissions take longer than the quote itself.
Completed applications, loss runs for five years, and any specific contract requirements. The loss runs are what most submissions are missing.
Tell us the class, the state and what the retail market declined.
