Specialty Insurance — for the things standard carriers won’t touch.
Specialty insurance is what you need when the risk doesn’t fit a normal application — a one-day event, a card collection, a drone business, a crypto wallet, a classic car, or something so unusual the big carriers just say no. As a multi-state independent agency we live in these markets, including the excess & surplus lines that write the truly hard-to-place. If it’s odd, we probably insure it.
Events & the people who work them
One-day or annual coverage — with the certificate the venue asks for before load-in.
🎪 Event Insurance
Weddings, concerts, festivals and 445+ event types — liability plus an instant COI for the venue.
🛍️ Event Vendors
Markets, festivals and expos require vendors to carry liability and name the organizer. We do it fast.
🍸 Mobile Bartenders
General and liquor liability for pouring at events — one-day or annual, with the COI venues demand.
🎧 DJs
Cables, crowds and expensive gear — liability and equipment coverage, plus instant event certificates.
📷 Photographers
Gear coverage, liability, and E&O for the lost-photos lawsuit — plus COIs venues accept.
🚁 Drones
On-demand or annual liability and hull coverage for commercial and recreational pilots.
Collections, digital assets & unusual property
Agreed-value and scheduled coverage for the things a homeowners policy caps at pennies on the dollar.
🃏 Collectibles
Scheduled, agreed-value coverage for cards, comics, coins and memorabilia — even at shows.
₿ Crypto
Insure cryptocurrency on exchanges and wallets against theft from hacks — Bitcoin, Ethereum and more.
🖥️ Cyber
Ransomware, breach response, fraud and identity theft — for small businesses and families.
📱 Cell Phones
Cracked screens, theft and accidental damage with low deductibles and fast claims.
🐾 Pets
Help cover vet bills for accidents and illness — use any vet, with multi-pet discounts.
🎨 Fine Art & More
Art, jewelry, instruments and other high-value items scheduled at agreed values.
Unusual, classic & recreational vehicles
The vehicles standard auto policies rate wrong — or won’t write at all.
🏎️ Classic & Collector Cars
Agreed value for classics, antiques and exotics — limited-use rates and specialty roadside.
🏍️ Motorcycles
Flexible coverage, including a pay-per-mile option for low-mileage and seasonal riders.
🚐 RVs & Motorhomes
Class A/B/C, travel trailers and fifth wheels — total-loss replacement and full-timer coverage.
⛵ Boats & Watercraft
Powerboats, sailboats and PWCs — hull, liability, on-water towing and gear.
🪝 Towing
One of the toughest classes to insure — auto liability, on-hook and garagekeepers, and we love it.
📦 Box Trucks
Commercial auto and motor truck cargo for hauling and delivery — brokers won’t load you without it.
Genuinely hard-to-place & weird risks
Declined elsewhere? That’s our specialty. Excess & surplus markets write what standard carriers won’t — and we know which ones say yes.
🧪 The Monster Lab
Describe literally anything and get the coverages that may matter, a risk receipt, and a path to a quote — free.
👾 We Insure Weird Things
Food trucks, haunted houses, bounce houses, tattoo shops, drones and hard-to-place risks. If it’s odd, we probably insure it.
🧟 The Wall of Weird
The strangest things people have thrown into the Monster Lab — and we probably insure all of them.
🎯 Is My Business Hard to Insure?
A 5-question quiz to gauge how hard your business is to place — and what to do next.
🏠 Short-Term Rentals
Airbnb and VRBO host coverage that fills the gaps platform protection and homeowners policies leave.
🚚 Food Trucks
Mobile kitchens carry unusual risks — liability, the truck, the equipment, and the event COIs you need.
How specialty placement actually works
1 · Describe the real risk
Odd risks get declined when they’re forced into the wrong box. We start by understanding what you actually do — the Monster Lab is built for exactly this.
2 · Shop specialty & E&S markets
Independent means we reach beyond standard carriers into the excess & surplus lines that write hard-to-place classes every day.
3 · Explain the trade-offs
Non-admitted placement, agreed values, sub-limits — we tell you plainly what the specialty policy does and doesn’t do before you buy.
Got something unusual? Let’s hear it.
Describe your thing in the Monster Lab, or talk to a licensed agent who places hard-to-insure risks every day.
Throw it in the Monster Lab → Talk to an agent