General Commercial Specialty Submission
Commercial SpecialtyUse this catch-all path when no exact Commercial Specialty class is listed.
Coverages
Required Docs
- Appropriate ACORD for the LOB
- Loss runs / no-loss letter
- Supplemental if available
Restaurants, Bars & Taverns
Commercial SpecialtyRestaurants, bars, taverns, nightlife, food service, and liquor exposure submissions.
Coverages
Required Docs
- ACORD 125
- ACORD 126
- ACORD 140 if property requested
- Loss runs
Artisan Contractors
Commercial SpecialtyTrade contractors, artisan contractors, GC, subcontractor, and harder-to-place construction risks.
Coverages
Required Docs
- Appropriate ACORD
- Contractor supplemental
- Description of operations
- Loss runs
Owners & Contractors Protective / OCP
Commercial SpecialtyProject-specific owner or sponsor protective liability tied to construction work.
Coverages
Required Docs
- Appropriate ACORD
- Contractor COI
- OCP supplemental
- Project description/location
Landowners, Vacant Land & Land Leased to Others
Commercial SpecialtyPremises coverage for landowners, vacant land, acreage, and land leased to others.
Coverages
Required Docs
- Appropriate ACORD
- Landowners / vacant land supplemental
- Location schedule
- Loss runs / no-loss letter
Guides & Outfitters
Commercial SpecialtyGuided outdoor recreation, tours, hunting, fishing, rafting, and outfitter operations.
Coverages
Required Docs
- Appropriate ACORD
- Guides and outfitters supplemental
- Licensing/certifications
- Operations description
Builders Risk
Commercial SpecialtyProperty coverage for course of construction, renovation, and job-site exposures.
Coverages
Required Docs
- Appropriate ACORD
- Builders risk supplemental
- Completed value
- Project description
Vacant Buildings
Commercial SpecialtyVacant or unoccupied building risks, including buildings for sale or pending renovation.
Coverages
Required Docs
- Appropriate ACORD
- Location schedule
- Loss runs / no-loss letter
- Vacant building supplemental
Farm & Ranch
Commercial SpecialtyFarm and ranch liability and property coverage for agriculture operations.
Coverages
Required Docs
- 3-year loss history
- Crop/livestock details
- Farm and Ranch application
- Location schedule
Special Events
Commercial SpecialtyEvent liability for festivals, weddings, fundraisers, shows, concerts, and similar events.
Coverages
Required Docs
- Appropriate ACORD
- COIs / waivers
- Event details
- Special events supplemental
Tanning Salons
Commercial SpecialtyTanning bed, spray tan, and personal care salon liability exposures.
Coverages
Required Docs
- Appropriate ACORD
- Gross receipts
- Safety procedures
- Tanning salon supplemental
Health & Exercise Facilities / Trainers & Instructors
Commercial SpecialtyFitness, trainer, instructor, gym, health club, and sports facility exposures.
Coverages
Required Docs
- Activity receipts
- Appropriate ACORD
- Health/exercise supplemental
- Waivers / certifications
Security Guards
Commercial SpecialtyArmed, unarmed, patrol, venue, and security firm risks.
Coverages
Required Docs
- Appropriate ACORD
- Loss runs / no-loss letter
- Security Guard supplemental
Convenience Stores
Commercial SpecialtyC-stores, grocery, gas station, market, and similar retail risks.
Coverages
Required Docs
- Appropriate ACORD
- Convenience / Grocery supplemental
- Loss runs / no-loss letter
Habitational / Lessors Risk
Commercial SpecialtyApartments, LRO, condos, rental property, and habitational accounts.
Coverages
Required Docs
- Appropriate ACORD
- Lessors Risk supplemental
- Prior carrier loss runs
- SOV / schedule if property requested
Childcare & Daycare
Commercial SpecialtyDaycare, childcare, preschool, nursery, and after-school operations.
Coverages
Required Docs
- Appropriate ACORD
- Child Care supplemental
- Loss runs / no-loss letter
Cyber Liability
Commercial SpecialtyData breach, ransomware, business interruption, and third-party cyber liability exposures.
Coverages
Required Docs
- 3-5 years loss runs or no-loss letter
- INVO Cyber Supplemental Application
Truckers
Commercial SpecialtyTruckers supplemental path for carrier operations, owned and non-owned vehicles, filings, and hauled commodities.
Coverages
Required Docs
- Appropriate ACORD
- Driver list/MVRs
- Loss runs
- Truckers supplemental