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We place business in six core industries, each with carriers that understand how the work is done and price it fairly.
Electricians, plumbers, HVAC, remodelers, roofers, landscapers and specialty subs.
Watch for: additional-insured and waiver requirements in GC contracts, and payroll audits that reclassify subcontractors.
Full-service dining, quick service, coffee shops, bakeries, bars and food trucks.
Watch for: kitchen fire suppression requirements, delivery drivers using their own cars, and liquor sales above 25% of revenue.
Boutiques, gift shops, hardware, pet supply and stores that also sell online.
Watch for: seasonal inventory peaks, product liability for private-label goods, and card data on your POS.
Consultants, marketing agencies, accountants, architects, engineers and IT firms.
Watch for: client contracts with indemnity clauses and E&O limits that haven't kept up with project size.
General repair, body shops, tire and lube, mobile detailers and small dealers.
Watch for: customer cars left overnight, test drives, and employees moving vehicles on public roads.
Hair and nail salons, spas, massage therapists, gyms, yoga and pilates studios.
Watch for: booth renters versus employees, and services like chemical treatments that some carriers exclude.
Daycares, small manufacturers, property managers, nonprofits, photographers. Tell us what you do and we'll tell you honestly whether we have a good market for it.