Excess Lines

Excess Lines Business Liability Insurance: High-Risk / Hard-to-Insure Businesses, Damaging Liability Issues, State Assigned Risk Pool

Many "high-risk" businesses and industries have difficulty finding liability coverage they need to protect their company and its assets, or end up paying very high insurance premiums for the coverage they can find.

McGuire & Russell Insurance Services, conveniently located in Indianapolis, Indiana, specializes in finding insurance underwriters to provide reasonably priced "Excess Line" coverage for these "hard-to-insure" businesses. 

Excess Line Insurance: Does Your Company Need It?

Some of the businesses and industries in Indiana with potentially damaging liability issues that we help attain affordable insurance coverage for include:

• Artisan Contractors, such as:
  • Plumbers
  • Electricians
  • Drywall Installers
  • Roofers
  • Concrete / Driveway / Sidewalk
  • Framers / Carpenters / Flooring
  • Roofers / Gutter Installers
  • Irrigation Systems Installation
  • Window Installation
• Chemical / Pesticide Manufacturers
• Child Safety Equipment Manufacturers
• Coal Mines, Copper Mines, etc.
• Computer Software Designers / Distributor
• Fitness and Recreational Equipment Manufacturers
• Foundries
• Food & Beverage Wholesale Distributors (bottlers, suppliers, etc.)
• Furniture Manufacturers - especially for babies or children
• Hospitals / Medical Clinics / Nursing Homes
• Landscapers
• Logistics Companies / Fleet Owners
• Long-Haul Trucking Companies
• Lumber Mills / Sawmills
• Manufacturers of Critical Auto Parts
• Mulching Companies
• Not-for-profit Organizations (Officers & Directors, E&O)
• Nurseries / Forestry / Tree Services
• Playground Equipment Manufacturing / Installation
• Restaurants / Bars
• Rock Quarries
• Sand, Gravel and Dirt Suppliers
• Scrap Yards / Recycling Centers
• Summer Camps
• Vending Machines, Amusement Games, Video Games, Kiddie Rides
• Visiting Nurse / Home Care Services

Excess Line Coverage: Hard-to-Find "High-Risk" Business Liability Insurance

Whether it's due to dealing with hazardous materials or chemicals, working in high-risk locations, or increased liability due to the products or services being provided, we can write a High Risk Insurance policy to provide your company the most coverage at the best price.

Assigned Risk Pool: Hard-to-Find "High-Risk" Workers Compensation Insurance

Our strong background in the specialty insurance markets frequently allows us to upgrade workers comp coverage from the Assigned Risk Pool to a Standard Lines Plan, which might save 25% or more of your base premium.