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Specialty & Hard-to-Place Insurance | We Insure Things
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We Insure Things Specialty coverage for real-world businesses
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🧩 Specialty & hard-to-place insurance

Hard to place? That’s our specialty.

Some businesses do not fit inside a standard insurance box. We help business owners organize the risk, tell the underwriting story, and look for practical coverage options when the answer is not obvious.

Start a specialty request How we help
Complex risksUnique operations, unusual exposures, or prior issues
Business-firstBuilt around what the owner actually does
Clear processBetter submissions, cleaner underwriting story

What we mean by specialty

Coverage for businesses that do not fit the easy-button quote.

Specialty insurance is about matching the real risk to the right coverage path. Sometimes that means excess and surplus lines, niche programs, specialty carriers, creative coverage structures, or simply a better submission.

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Hard-to-place risks

Businesses with prior claims, cancellations, high hazard work, unusual operations, or carrier appetite challenges.

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Specialty businesses

Contractors, transportation, real estate, events, professional services, hospitality, property risks, and niche operations.

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Better underwriting story

We help turn scattered details into a clean insurance submission that gives markets what they need to evaluate the risk.

Risk examples

Examples of businesses and exposures we can help review.

Use the filters below to explore common specialty and hard-to-place insurance situations.

Coastal propertyWind, flood, distance to coast, older buildings
Vacant buildingsUnoccupied, renovation, vandalism exposure
Uninsured commercial propertyRecently purchased or coverage gap
Older buildingsUpdates, roof age, wiring, plumbing, occupancy
Roofing & exterior workHigh hazard operations and subcontractor exposure
Excavation & utility workUnderground work, GL, auto, inland marine
Tree serviceHeight exposure, equipment, auto, workers comp
New contractorsNew venture, limited history, certificate needs
Tow trucksCommercial auto, on-hook, garagekeepers
NEMT operationsCommercial auto, GL, professional liability
Delivery businessesHired/non-owned auto, cargo, driver controls
Dealer platesGarage liability, inventory, test drives
High claims historyPrior losses do not always mean no options
Lapse or cancellationGaps, nonpayment, underwriting notices
Professional servicesE&O, cyber, crime, management liability
Restaurants & hospitalityLiquor, delivery, workers comp, property
Special eventsOne-day events, festivals, markets, races
VendorsCOI requirements, product exposure, short-term coverage
Churches & nonprofitsProperty, liability, abuse/molestation, volunteers
Entertainment risksPerformers, venues, production, rented equipment

Why risks get declined

A decline is not always the end of the road.

Many businesses get declined because the submission is incomplete, the wrong market was approached, the operation was misunderstood, or the carrier simply does not have appetite for that type of exposure.

Review my situation Read FAQs
  • We identify what makes the risk difficult.
  • We help gather the information underwriters usually need.
  • We look for coverage paths that match the actual operation.
  • We explain the tradeoffs in plain language.

How it works

Our specialty placement process.

Specialty coverage works best when the story is organized before it goes to market.

Understand the business

We learn what you do, where you operate, who you serve, and what coverage is being requested.

Identify the hard part

We look for the issue making the account difficult: claims, operations, property condition, geography, contracts, or coverage requirements.

Build a cleaner submission

We gather details, supporting documents, loss-control notes, and context that may help underwriting evaluate the risk.

Compare practical options

We help you understand available options, limitations, subjectivities, pricing, deductibles, exclusions, and next steps.

Coverage types

Specialty coverage can touch almost every part of a business.

Availability varies by state, industry, underwriting, and carrier appetite, but these are common areas we can help review.

Business coverage areas

  • General Liability
  • Commercial Property
  • Business Owner’s Policy
  • Commercial Auto
  • Workers Compensation
  • Professional Liability / E&O
  • Cyber Liability
  • Commercial Crime
  • Inland Marine
  • Umbrella / Excess Liability

Hard-to-place triggers

  • Prior claims
  • New ventures
  • Coverage lapse
  • Coastal or catastrophe exposure
  • High hazard operations
  • Contract-driven requirements
  • Unusual occupancies
  • Mixed business operations
  • Out-of-state work
  • Special events or short-term needs

“Specialty insurance is not just about finding a carrier. It is about helping the market understand the business clearly enough to make a decision.”

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Our goal

Help business owners move from confusion to clarity: what coverage may be available, what information is needed, what tradeoffs exist, and what a realistic next step looks like.

Questions business owners ask

Specialty insurance FAQs.

Specialty insurance is coverage for risks that do not fit neatly into standard insurance programs. That can include unusual operations, high hazard industries, complex property, transportation exposures, professional risk, prior claims, or coverage requirements that need a more specialized market.
Common reasons include prior losses, a lapse in coverage, new business history, high-risk work, coastal or older property, unusual business activities, contract requirements, or a carrier simply not wanting that class of business.
Yes. A decline does not always mean no coverage exists. It may mean the wrong carrier was approached, the submission was incomplete, the operation was misunderstood, or additional details are needed.
Sometimes. Specialty markets may price for more complex exposures, higher risk, or limited competition. The better the underwriting information, the easier it is to understand available options and tradeoffs.
Start with your business name, location, website, business description, coverage needed, target effective date, prior policy if available, claims history, and any contract or certificate requirements.

Ready when the risk gets complicated

Tell us what makes it hard to place.

Send us the business type, state, coverage needed, and what issue you are running into. We will help you figure out the next best step.

Email the specialty team Business resources
Important: This page is for general informational purposes only. Coverage availability, terms, conditions, exclusions, pricing, and eligibility vary by carrier, state, underwriting review, and individual risk details. No coverage is bound or changed unless confirmed in writing by an authorized representative.