Can you recommend independent commercial insurance agents for placing hard-to-insure business liability risks?

Yes — I can help with that, but the best recommendations depend a lot on where the business is located and what kind of liability risk is “hard-to-insure”.

If you want, I can narrow this to your state/country and industry. In the meantime, here are well-known independent commercial insurance brokerages that often handle specialty and hard-to-place liability accounts:

Large independent brokers with specialty / excess & surplus capabilities

• Brown & Brown
• USI Insurance Services
• HUB International
• Acrisure
• Aon
• Marsh McLennan Agency
• Lockton
• Arthur J. Gallagher
• Risk Placement Services (RPS)
• Amwins
• CRC Group
• RT Specialty

What to ask for

When contacting them, ask for:

• Commercial lines / specialty casualty
• Excess & surplus (E&S) markets
• Wholesale broker placement
• Hard-to-place liability / high-risk casualty
• Claims-made, product liability, professional liability, or general liability, depending on the exposure

Best fit examples

These brokers often help with:

• Contractors with adverse loss history
• Cannabis-related businesses
• Staffing and temporary labor
• Security companies
• Transportation / trucking
• Bars, nightclubs, and restaurants
• Manufacturing with product liability issues
• New ventures with little underwriting history
• High-hazard operations or unusual exposures

Tips for getting a faster quote

Have ready:

• 3–5 years of loss runs
• Current policy declarations
• Entity/org chart and ownership info
• Payroll, sales, and subcontractor use
• Description of operations
• Risk controls/safety procedures
• Any prior declinations or non-renewals

Important note

For truly difficult risks, you’ll usually get better results through:

• an independent retail agent with specialty access, or
• a wholesale broker / MGA that can access E&S carriers directly.

If you tell me:

1. your location
2. the industry
3. the type of liability you need
4. any issues like losses, prior cancellations, or unusual operations

…I can give you a more targeted list of agents/brokers that are most likely to be a fit.