Appetite

Our appetite at a glance

Every line and industry we place, with what we write and what is not a fit. Appetite is a guide, not a limit: if you're unsure whether a risk fits, contact your broker before preparing a full submission.

States: South Carolina and Georgia

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Lines

General Liability

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Monoline and package general liability for classes outside standard-market guidelines.

What we place

Artisan and trade contractors
General contractors and remodelers
Apartments, condominium associations and lessor's risk
Restaurants and bars, including liquor liability
Vacant land and vacant buildings
New ventures and accounts with adverse loss history

Not a fit

Products-heavy manufacturing risks
Firearms, fireworks and explosives
Amusement rides and attractions
Personal lines liability

Commercial Property

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Commercial property that is difficult to place due to location, occupancy, construction or values.

What we place

Coastal and wind-exposed locations
Vacant and unoccupied buildings
High-TIV schedules and single locations
Older and frame construction
Habitational schedules
Builders risk for new construction and renovation

Not a fit

Personal lines homeowners and dwelling fire
Risks with open, unrepaired prior losses
Locations outside our licensed states

Excess & Umbrella

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Lead and follow-form excess capacity over primary programs.

What we place

Excess over E&S or admitted primary general liability and auto
Contractors needing higher limits for contract requirements
Habitational and hospitality accounts needing higher limits
Accounts where the primary carrier does not offer an umbrella

Not a fit

Personal umbrellas
Excess over self-insured retentions without primary coverage
Accounts without scheduled underlying coverage

Commercial Auto

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Commercial auto and related coverage for fleets outside standard-market guidelines.

What we place

Small and mid-size for-hire trucking
New ventures and operations with limited history
Contractors' fleets
Non-trucking commercial fleets with adverse loss history

Not a fit

Hazardous materials haulers
Personal auto and rideshare
Public livery and passenger transportation

Industries

Construction & Contractors

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Artisan and general contractors that fall outside standard-market guidelines.

What we place

Artisan and trade contractors
General contractors and remodelers
Residential and commercial new construction
New ventures and contractors with adverse loss history

Not a fit

Wrap-up programs (OCIP and CCIP)
Tract home builders and condominium conversions
Demolition and blasting

Habitational & Real Estate

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Apartments, condominiums and other residential and commercial real estate.

What we place

Apartments and condominium associations
Vacant and under-renovation buildings
Older construction and coastal locations
Lessor's risk and commercial real estate

Not a fit

Student housing
Senior living with care services
Buildings with unrepaired fire or water damage

Hospitality

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Restaurants, bars and lodging, including liquor liability.

What we place

Restaurants, with or without liquor
Bars, taverns and nightclubs
Hotels and motels
Breweries and wineries with tasting rooms

Not a fit

Nightclubs with a history of violent incidents
Hotels with on-site amusement or water parks
Adult entertainment

Don't see a class or line? Contact your broker before you submit.

Appetite is subject to change with market conditions. Nothing on this page is an offer of coverage or a guarantee that a risk can be placed.

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