Insurance Built for Complex Risk
From commercial properties to high-hazard operations, we structure coverage that standard carriers won't write. Every policy is tailored to your specific exposure.
Protect your most valuable assets.
Commercial Property
Your commercial property is the foundation of your business. We design property insurance programs that account for the full replacement cost of your buildings, equipment, inventory, and improvements — not just what a standard carrier is willing to cover.
- Building and structure coverage at full replacement cost
- Business personal property and equipment
- Business income and extra expense coverage
- Equipment breakdown and mechanical failure
- Flood and earthquake endorsements available
Office buildings, retail centers, mixed-use properties, and multi-tenant commercial real estate.
Coverage when standard markets say no.
Non-Standard Risk Property
Vacant buildings, older structures, properties with prior losses, and locations in high-hazard zones require specialized underwriting expertise. We have the surplus lines relationships and non-admitted carrier access to place coverage that others can't.
- Vacant and unoccupied property coverage
- Properties with prior losses or claims history
- Older structures and historic buildings
- High-hazard zone and wildfire-exposed properties
- Surplus lines and non-admitted market access
Property investors, developers, and owners of non-standard or distressed assets.
The foundation of every sound risk plan.
Commercial General Liability
General liability coverage protects your business from third-party claims of bodily injury, property damage, and personal and advertising injury. Whether you operate a storefront, a job site, or a service business, this is the baseline protection every operation needs.
- Bodily injury and property damage liability
- Personal and advertising injury coverage
- Products and completed operations
- Medical payments to third parties
- Umbrella and excess liability available
Contractors, retailers, service businesses, landlords, and any commercial operation with public exposure.
Required by Nevada law. Done right.
Workers' Compensation
Nevada requires most employers to carry workers' compensation insurance. We place workers' comp for businesses across all industries — including those with elevated risk classifications that standard carriers decline. Your employees are protected, and so is your business.
- Medical expense coverage for work-related injuries
- Lost wage replacement for injured employees
- Employer's liability protection
- High-risk and elevated classification industries
- Experience modification rate management
All Nevada employers — especially those in construction, manufacturing, hospitality, and other elevated-risk industries.
Specialized coverage for manufactured housing.
Mobile/Manufactured Homes
Mobile and manufactured homes require a different approach than standard homeowners policies. We place coverage for single-wide, double-wide, and park-model homes — including those with prior losses, older units, or locations in high-risk zones that standard carriers won't touch.
- Dwelling and structure coverage at replacement cost
- Personal property and contents protection
- Liability coverage for on-site incidents
- Older units and non-standard park placements
- Trip coverage during transport and relocation
Owners of single-wide, double-wide, and park-model manufactured homes, including those in mobile home parks.
Coverage regardless of your credit history.
Less-Than-Perfect Credit
A low credit score shouldn't leave you uninsured. We work with non-standard and surplus lines carriers who evaluate risk on its own merits — not just your credit profile. If you've been declined or non-renewed due to credit, we can find a solution.
- Non-standard carrier placement for declined applicants
- Property and liability coverage regardless of credit score
- Flexible payment plans to fit your budget
- Path to standard market coverage over time
- Available for home, auto, and commercial lines
Individuals and businesses who have been declined, non-renewed, or quoted unaffordable rates due to credit history.
Premium coverage for high-value homes and estates.
Luxury Properties
High-value homes and estates require coverage that goes beyond standard homeowners policies. We place luxury property coverage through carriers who understand the true replacement cost of fine construction, custom finishes, and premium amenities — ensuring your most significant asset is fully protected.
- Agreed value and guaranteed replacement cost coverage
- Coverage for fine art, jewelry, and high-value collections
- Guest house, carriage house, and outbuilding coverage
- Extended replacement cost for custom construction
- Umbrella and excess liability options available
Owners of high-value homes, estates, and luxury properties who need coverage that reflects true replacement cost and protects premium finishes and contents.
Your home deserves the right protection.
Homeowners
We place homeowners insurance for a wide range of properties and risk profiles — from straightforward primary residences to homes with prior claims, older construction, or unique features that standard carriers struggle to underwrite. We find the right fit across 40+ carrier relationships.
- Dwelling and structure coverage at replacement cost
- Personal property and valuables protection
- Liability and medical payments coverage
- Loss of use and additional living expenses
- Homes with prior losses or non-standard construction
Primary homeowners, vacation property owners, and buyers of homes with prior claims or non-standard features.
Personal and commercial auto for every driver.
Auto
Whether you need personal auto coverage or a commercial fleet policy, we work with carriers who can accommodate drivers with prior violations, lapses in coverage, or non-standard risk profiles. We also place SR-22 filings and high-risk auto for drivers who've been declined elsewhere.
- Personal auto liability, collision, and comprehensive
- Commercial auto and fleet coverage
- SR-22 and FR-44 filings
- High-risk and non-standard driver placement
- Uninsured and underinsured motorist coverage
Personal drivers, commercial fleet operators, and high-risk drivers needing SR-22 filings or non-standard placement.
Tailored coverage for complex operations.
Specialty Lines
Some businesses require coverage that simply doesn't fit a standard policy form. We specialize in placing specialty lines for contractors, manufacturers, hospitality operators, and other businesses with unique or complex exposures.
- Contractor and builder's risk coverage
- Liquor liability for hospitality operations
- Professional liability and E&O coverage
- Inland marine and equipment floaters
- Environmental and pollution liability
Contractors, manufacturers, restaurants, bars, professional service firms, and specialty trade operations.
Coverage built for properties that aren't your primary residence.
Vacation & Second Homes
Vacation homes, cabins, lake houses, and second residences carry unique risks that standard homeowners policies often exclude or underinsure. Seasonal occupancy, rental activity, and remote locations require a carrier that understands the exposure. We place coverage tailored to how you actually use your property.
- Dwelling and structure coverage at replacement cost
- Seasonal and part-time occupancy accepted
- Short-term rental and Airbnb-use coverage available
- Personal property and contents protection
- Liability coverage for guests and visitors
Owners of cabins, lake houses, mountain retreats, beach homes, and other secondary or seasonal properties — including those used for short-term rental.
Whether renting a house, condo, apartment or mobile home, we've got you covered.
Renters Insurance
Your landlord's policy covers the building — but not your belongings, your liability, or your living expenses if something goes wrong. Renters insurance is one of the most affordable ways to protect everything you own and shield yourself from unexpected costs.
- Personal property coverage for furniture, electronics, and clothing
- Liability protection if a guest is injured in your home
- Additional living expenses if your rental becomes uninhabitable
- Coverage for houses, condos, apartments, and mobile homes
- Protection against theft, fire, water damage, and more
Renters who want affordable protection for their belongings and personal liability.
An extra layer of protection when your primary coverage isn't enough.
Umbrella Insurance
When a claim exceeds the limits of your auto, home, or commercial policy, an umbrella policy steps in to cover the gap. It's one of the most cost-effective ways to protect your assets and future earnings from large, unexpected judgments or settlements.
- Extends liability limits beyond your existing policies
- Covers personal and commercial exposures
- Protection against large lawsuits and judgments
- Covers legal defense costs
- Available for individuals, families, and businesses
Individuals, families, and business owners who want broad, high-limit liability protection above and beyond their standard policies.
Protect your business from claims of negligence, errors, and omissions.
Professional Liability
If a client claims your professional advice or services caused them financial harm, professional liability insurance — also known as Errors & Omissions (E&O) — covers your legal defense and any resulting damages. It's essential for anyone who provides expertise, consulting, or professional services.
- Errors & Omissions (E&O) coverage
- Legal defense costs and settlements
- Claims of negligence, misrepresentation, or failure to perform
- Coverage for consultants, agents, and service professionals
- Tailored limits based on your industry and exposure
Consultants, agents, accountants, real estate professionals, IT firms, attorney's and any business that provides advice or professional services to clients.
Essential commercial coverage bundled into one convenient policy.
Business Owner's Policy (BOP)
A Business Owner's Policy combines commercial property and general liability coverage into a single, cost-effective package designed for small to mid-size businesses. It simplifies your insurance program while ensuring you have the core protections every business needs.
- Commercial property coverage for your building and contents
- General liability protection for third-party claims
- Business interruption coverage for lost income
- Optional add-ons: cyber liability, equipment breakdown, and more
- Streamlined single policy with one renewal date
Small to mid-size businesses — including retail shops, offices, restaurants, and service businesses — looking for comprehensive core coverage in one affordable package.
Not sure which coverage you need?
We'll assess your risk profile and recommend the right combination of policies. No pressure — just expert guidance.