Appetite Guide: Lines and Industries
Wholesale excess and surplus lines brokerage for retail agents.
- Submissions:
- submissions@valjeanspecialty.com
- Phone:
- (404) 625-4610
- States:
- South Carolina and Georgia
- pixel-perfect-replay-7843.lovable.app
Lines
| Line | What we place | Typical limits | Minimum premium | Not a fit |
|---|---|---|---|---|
| General Liability | 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 | $1M per occurrence / $2M aggregate; higher limits available through excess. | Varies by market and class. | Products-heavy manufacturing risks; Firearms, fireworks and explosives; Amusement rides and attractions; Personal lines liability |
| Commercial Property | 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 | Based on total insured values; single-location and schedules. | Varies by market and class. | Personal lines homeowners and dwelling fire; Risks with open, unrepaired prior losses; Locations outside our licensed states |
| Excess & Umbrella | 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 | $1M to $10M+, lead and follow-form. | Varies by market and class. | Personal umbrellas; Excess over self-insured retentions without primary coverage; Accounts without scheduled underlying coverage |
| Commercial Auto | Small and mid-size for-hire trucking; New ventures and operations with limited history; Contractors' fleets; Non-trucking commercial fleets with adverse loss history | $1M combined single limit; higher through excess. | Varies by market and class. | Hazardous materials haulers; Personal auto and rideshare; Public livery and passenger transportation |
Industries
| Industry | Coverages | What we place | Not a fit |
|---|---|---|---|
| Construction & Contractors | General liability; Excess & umbrella; Builders risk and property | Artisan and trade contractors; General contractors and remodelers; Residential and commercial new construction; New ventures and contractors with adverse loss history | Wrap-up programs (OCIP and CCIP); Tract home builders and condominium conversions; Demolition and blasting |
| Habitational & Real Estate | Commercial property; General liability; Excess & umbrella | Apartments and condominium associations; Vacant and under-renovation buildings; Older construction and coastal locations; Lessor's risk and commercial real estate | Student housing; Senior living with care services; Buildings with unrepaired fire or water damage |
| Hospitality | General & liquor liability; Commercial property; Excess & umbrella | Restaurants, with or without liquor; Bars, taverns and nightclubs; Hotels and motels; Breweries and wineries with tasting rooms | Nightclubs with a history of violent incidents; Hotels with on-site amusement or water parks; Adult entertainment |
Submission requirements
- ACORD 125: Commercial insurance application
- ACORD 126 and/or 140: General liability section and/or property section, as applicable
- Loss runs: 5 years, currently valued (within 90 days)
- Supplementals: Class- or line-specific applications
- Declinations: Admitted market declinations, where required by the insured's home state
- Target effective date: And any expiring terms and premium
Line-specific requirements: pixel-perfect-replay-7843.lovable.app/appetite
How to submit
Email complete submissions to submissions@valjeanspecialty.com. Most quotes are returned within 3–5 business days. Complex property and excess placements may take 5–10 business days depending on market response.
New to Valjean Specialty? Request an appointment at pixel-perfect-replay-7843.lovable.app/get-appointed.