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Unique solutions for unique exposures.

Sometimes your life or your business demands more. More options. More coverage. More expertise. Our solutions are driven by listening to you and finding unique solutions for your unique exposures.

Industry Specialization

Insurance is a complicated business. Our dedicated industry experts will work with you to identify potential risks and produce customized solutions to cover them.

Auto Dealer

The risks associated with owning a dealership are diverse, no matter what you sell. From workers’ compensation to coverage for customers’ vehicles, we’ll help you navigate the complexities and design a policy that keeps your business running smoothly.


Insurance for contractors is some of the most complex. Extensive, and sometimes difficult to understand, contracts with numerous insurance-related requirements, may leave one’s head spinning. Whether you’re a “GC” or a “sub” let one of our expert advisers help you understand the contracts you’re asking your subs to enter into or you’re entering into as a sub.

Condominium Association

Condo insurance can be complicated. We’ll make sure you understand your bylaws and have the protection you need.


Environmental concerns continue to be a leading societal and business risk issue, sometimes posing serious unexpected challenges. We’ll work with you to create a custom solution to help protect your business against environmental risks.


We have experience in crafting insurance programs that help make franchising, and franchise growth, less cumbersome to parent companies and their franchisees. If insurance is one of those franchise checklist items that leads to headaches as a new franchisee sets up their business, let’s talk.


Restaurateurs, craft brewers, caterers, and others in the hospitality industry have unique exposures. For example, exposures relating to general liability due to the high volume of foot traffic and one’s product is perishable. There are a handful of risk management policies and insurance coverages we think all hospitality risks should consider. Let’s chat to ensure your hotel, restaurant, bar, or special event location has insurance policies that can protect against these unique exposures.

Real Estate

Real estate investment is an exciting, and sometimes risky, venture. There are unique liabilities and factors to consider when insuring your property. We’ll help manage those risks and keep your investment protected.


As a  retailer, your business has heightened risks because of the amount of stock kept onsite. A specialty wholesaler and distributor insurance policy protects you from the unique financial risks associated with this type of business.


Technology is one of the fastest growing sectors of our economy. The exposures tech companies face are much different than a manufacturer who produces a widget. It’s not just cyber liability that a technology company faces. Technology errors and omissions coverage is just as important. Is it time to reboot your tech company’s insurance coverage?


Manufacturing is our agency’s “bread and butter”. With office locations in communities where manufacturing is the backbone of the local economy, we serve all types of manufactures and some of our best carrier relationships exist to serve these companies who keep America moving.


Municipalities have a wide array of exposures. The breadth of their work is large and complex. Many have numerous departments they can be responsible for operating such as: street; water, electric, sewer and waste, cemetery, public park, and possibly others. The property exposures are just as unique. Then there is management liability that often includes elected officials. It’s easy to see why one needs an expert for insuring their town or city.


With an insurance adviser who has previous experience as a teacher, teacher-leader, assistant principal, and principal, our agency is uniquely positioned to provide proactive risk management strategies and a wealth of other resources. Educational entities like schools, childcare centers, and programs/camps are often under a unique public microscope. Let us help ensure you have the right risk management and insurance program in place to keep the children you serve safe and protect the learning environment you’ve worked so hard to create.


Even though your organization’s goal is to help people, you are still running a business. That means your non-profit needs to protect itself against the risks that small business owners face. We’ll help you design a non-profit insurance policy that covers your organization’s unique needs.

Unique Coverages


Cyber Liability

Environmental Pollution

Special Interests and Passions

Unique assets often require an added layer of protection. Whatever your passion, we have coverage to ensure you can continue those passions at full speed.

High Net-Worth Individuals

As a high net-worth individual, you face unique insurance challenges. We’ll help you protect your wealth.

Antique Home Owners

Historic homes can be great investments, but they can also be troublesome if you need to collect on an insurance claim. We’ll keep it simple.

Collector Car Owners

Your prized collector car represents real commitment of your time and resources. We’ll help you protect your investment.

Fine Collectibles Owners

Accidents happen. Stones fall out of diamond rings. Antiques break. Art gets stolen. We’ll protect your most precious belongings.

Jewelry Collectors

It’s devastating to have jewelry that represents special moments in your life get damaged, lost, or stolen. We’ll keep your treasures safe.

Vacation Home Owners

Your vacation property is an amazing getaway from the daily grind, but it comes with unique risks. We’ll make sure you have the right coverage.