Specialty & Hard-to-Place Insurance - Let us find your best coverage - when the standard market says no
Declined, cancelled or non-renewed? Unusual property or a risk most carriers will not touch? We place coverage through specialty, surplus lines and state plan markets. Send us a few details – no cost, no obligation. Prefer to talk? Call 800-616-3490.
Specialty & Hard-to-Place Risks Quote Request
Applicant Information:
Have these handy
- A description of what you need to insure
- Any declination, cancellation or non-renewal notices
- Loss runs or claims history for the past 5 years
- Current declarations page, if you have one
Related coverage
What Specialty & Hard-to-Place Risks coverage includes
Some risks do not fit standard insurance company guidelines: a home with prior claims, a vacant building, a high-value collection, a new business with no track record, or a driver who needs an SR-22. These risks are still insurable. We access excess and surplus lines carriers, specialty programs, FAIR plans and state assigned risk pools to find coverage when the standard market says no.
- Surplus lines markets - Carriers with flexible underwriting for unusual and higher-risk exposures.
- State plans and pools - FAIR plans, wind pools and assigned risk programs for auto and workers comp.
- Collections and valuables - Fine art, jewelry, wine, firearms and other collections.
- Unusual exposures - Aircraft, drones, kidnap and ransom, and other niche risks.
- Back to standard - A plan to move you back to standard carriers as your record improves.
Good to know: surplus lines policies are not covered by state guaranty funds in most states, and taxes and fees may apply. We explain the trade-offs and choose financially strong carriers.
Not covered: coverage varies widely in the specialty market, with more exclusions, minimum premiums and deductibles than standard policies. We review each policy with you before you bind.
Insurance Application:
Specialty & Hard-to-Place RisksBegin Application
Required forms
Just send the quote request. We will follow up for anything else we need.
Specialty supplements (add any that apply)
Assigned Risk / State Pool (PDF)Want to save and finish later? Complete it online
Vacant or Unoccupied Dwelling (PDF)Want to save and finish later? Complete it online
SR-22 / High-Risk Driver (PDF)Want to save and finish later? Complete it online
Difference in Conditions (DIC) (PDF)Want to save and finish later? Complete it online
Download, complete and email to quote@societiesinsurance.com, or attach them with your quote request. More options are listed below.
Prefer to talk?
- Toll-Free: 800-616-3490
- East Coast: 706-550-4418
- West Coast: 206-755-0101
- info@societiesinsurance.com
- Mon-Fri 8:00am - 6:00pm, Sat 9:00am - 12:00pm
Specialty insurance explained
How hard-to-place insurance works
When a standard carrier declines a risk, there are still several routes to coverage. The right one depends on what you need to insure and why it was declined.
Excess and surplus lines
Non-admitted carriers that can write unusual, high-hazard or hard-to-rate risks with flexible terms.
FAIR plans and wind pools
State-created plans for property that cannot find coverage in the voluntary market.
Assigned risk pools
State programs for auto and workers compensation when no carrier will offer coverage.
Specialty programs
Carriers and programs built for one niche, such as collections, aviation or vacant property.
Why was I declined? Common reasons include prior claims, a cancellation for non-payment, an older roof or wiring, vacancy, a business with no loss history, driving violations or simply a risk outside a carrier's appetite. Tell us what happened; the more we know, the better we can position your application.
Getting coverage
What helps us place a hard-to-insure risk
Information to gather
- Declination, cancellation or non-renewal letters
- Loss runs or claims history for the past 5 years
- Photos and details of the property, vehicle or operation
- Recent updates such as a new roof, wiring or safety program
- Contracts or lender requirements you need to meet
Common hard-to-place situations
- Homes with prior claims, older systems or wildfire and coastal exposure
- Vacant or unoccupied buildings
- Drivers needing SR-22 or FR-44 filings
- New businesses or high-hazard operations
- High-value collections and unique property
- Businesses rejected for workers comp
Our goal is to move you back. Specialty and state plan coverage often costs more. After a clean period, completed repairs or improved loss history, we re-shop your coverage with standard carriers to bring your premium down.
Specialty options
Specialty coverage we place
Start with a quote request above, or choose the option that fits your situation.
State plans and high-risk
Assigned Risk / State Pool
State assigned risk programs.
Get a quote Supplemental application (PDF)Want to save and finish later? Complete it onlineWind-Only / Wind Pool
Wind pool and FAIR plan placements.
Get a quote Supplemental application (PDF)Want to save and finish later? Complete it onlineSR-22 / High-Risk Driver
SR-22 and FR-44 filings for drivers.
Get a quote Supplemental application (PDF)Want to save and finish later? Complete it onlineVacant or Unoccupied Dwelling
Empty homes between owners or tenants.
Get a quote Supplemental application (PDF)Want to save and finish later? Complete it onlineVacant Building
Vacant commercial buildings.
Get a quote Supplemental application (PDF)Want to save and finish later? Complete it onlineDifference in Conditions (DIC)
Earthquake, flood and gaps in property coverage.
Get a quote Supplemental application (PDF)Want to save and finish later? Complete it onlineCollections and valuables
Fine Art
Fine art and sculpture.
Get a quote Supplemental application (PDF)Want to save and finish later? Complete it onlineJewelry Floater
Jewelry and watches.
Get a quote Supplemental application (PDF)Want to save and finish later? Complete it onlineWine Collection
Wine collections.
Get a quote Supplemental application (PDF)Want to save and finish later? Complete it onlineFirearms Collection
Firearms collections.
Get a quote Supplemental application (PDF)Want to save and finish later? Complete it onlineExcess Liability (High Net Worth)
High-limit personal liability.
Get a quote Supplemental application (PDF)Want to save and finish later? Complete it onlineUnusual exposures
Aviation / Aircraft
Private aircraft.
Get a quote Supplemental application (PDF)Want to save and finish later? Complete it onlineDrone / UAS (Commercial)
Commercial drone operations.
Get a quote Supplemental application (PDF)Want to save and finish later? Complete it onlineKidnap, Ransom & Extortion (Personal)
Personal kidnap, ransom and extortion.
Get a quote Supplemental application (PDF)Want to save and finish later? Complete it onlineCrypto / Digital Asset Crime
Digital asset theft and crime.
Get a quote Supplemental application (PDF)Want to save and finish later? Complete it onlineIdentity Theft / Personal Cyber
Personal cyber and identity theft.
Get a quote Supplemental application (PDF)Want to save and finish later? Complete it onlineTravel Insurance
Trip cancellation and travel medical.
Get a quote Supplemental application (PDF)Want to save and finish later? Complete it onlineThis is a general overview. Coverage, availability and pricing vary by state, carrier and policy, and the policy itself controls. Questions? Call 800-616-3490.