Specialized & High-Risk Insurance
Protection That Works as Hard as You Do
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- Specialized & High-Risk Insurance
About Specialized & High-Risk Insurance
Custom coverage solutions for industries and businesses with elevated risks or unique operational exposures.
We Provide Coverage For:
Construction & Contractor Insurance
Covers tools, equipment, liability, and job site risks for trades and builders.
Restaurant & Hospitality Insurance
Tailored for restaurants, bars, and event spaces, including liquor and food liability.
Retail & Small Business Insurance
Comprehensive protection for storefronts, boutiques, and service-based businesses.
Technology & IT Business Insurance
Cybersecurity, intellectual property, and E&O protection for tech professionals.
Transportation & Trucking Insurance
Includes commercial auto, cargo, and fleet liability coverage.
Event Liability Insurance
One-time or recurring event insurance to cover venue liability, cancellations, and damages.
Nightclub & Bar Insurance
High-risk coverage including liquor liability, assault & battery, and premises liability.
WATCH YOUR SAVINGS ADD UP.
High-risk industries face some of the steepest insurance premiums — but also some of the biggest opportunities for savings. Our team helps reduce costs by negotiating with specialty carriers, identifying redundant coverages, and structuring layered or excess policies strategically. Clients in construction, hospitality, and transportation regularly save thousands annually through our risk-specific solutions.
How Coverage is Purchased & Calculated
High-risk policies require a custom underwriting approach. We begin by analyzing your operations, revenue, loss history, and specific exposures. Coverage is sourced from specialty markets that offer flexible limits, endorsements, and tailored deductibles. Premiums are calculated based on industry classification, activity volume, and risk mitigation practices like training, security, and compliance protocols.
