Specialty insurance policies are for risks not normally covered in the standard insurance market. Risks in this market are usually covered in what is referred to as the Excess & Surplus lines (E&S) market. The E&S market usually requires a higher level of understanding of the risk by the insurance carrier. This type of insurance coverage needs to go beyond what a standard market carrier is able to provide. A common misunderstanding is that specialty insurance is unaffordable and hard to get the coverages you need.
Big Pine Insurance is contracted with several companies that specialize in the E&S market. We can help you find insurance for the “hard-to-place” risk that doesn’t fit in the standard insurance market. Difficult or high-risk exposures can be anything in the personal market or commercial market. Some examples are: collectibles, mobile home insurance, firearm insurance, vacant home insurance, specialty bicycle, day care insurance, event insurance, wedding insurance, outdoor recreation insurance and much more.
Contact our office today and let our agents help you find insurance coverage to protect what’s important to you.