Carrier Appetite Directory
Click a carrier to view its full lines of business and target appetite. Not sure where your risk fits? Our brokerage team can point you to the right market.
ACE American
ACE American Insurance Company is a legacy ACE Limited entity that became part of Chubb following the 2016 Chubb-ACE merger, and now operates as one of Chubb's principal U.S. admitted carriers. It underwrites a broad range of commercial property, casualty, and specialty lines backed by Chubb's global balance sheet and A++ (A.M. Best) financial strength. Its admitted capacity gives NeitClem a reliable, highly rated market for standard and complex commercial accounts.
Admiral
Admiral Insurance Group, a member of W. R. Berkley Corporation, has specialized in excess and surplus lines commercial casualty and professional liability since 1974, underwriting difficult-to-place risks across construction, cannabis, technology, and healthcare. Admiral's creative, outside-the-box underwriting philosophy makes it a go-to carrier for NeitClem on moderate-to-high-hazard accounts that require true E&S flexibility.
Admiral
Admiral Insurance Group, a member of W. R. Berkley Corporation, has specialized in excess and surplus lines commercial casualty and professional liability since 1974, underwriting difficult-to-place risks across construction, cannabis, technology, and healthcare. Admiral's creative, outside-the-box underwriting philosophy makes it a go-to carrier for NeitClem on moderate-to-high-hazard accounts that require true E&S flexibility.
Lines of Business
- General Liability
- Errors & Omissions - All Others
- Errors & Omissions - Directors & Officers
- Commercial Property (Package)
- Excess Liability
- Professional Liability (Architects & Engineers)
- Product / Completed Operations
- Malpractice - All Others
- General Liability - Product Tampering
- Employment Practices Liability
Application Forms
AIG
American International Group (AIG) is a leading global insurance organization delivering property casualty, specialty, and risk management solutions across more than 200 countries and jurisdictions. As a carrier partner with substantial capacity and deep specialty expertise, AIG enables NeitClem to place large, complex, and multinational commercial risks with confidence.
AIG
American International Group (AIG) is a leading global insurance organization delivering property casualty, specialty, and risk management solutions across more than 200 countries and jurisdictions. As a carrier partner with substantial capacity and deep specialty expertise, AIG enables NeitClem to place large, complex, and multinational commercial risks with confidence.
Lines of Business
- Errors & Omissions - Directors & Officers
- Excess Liability
- General Liability
Application Forms
Arch Specialty
Arch Specialty Insurance Company is the excess and surplus lines subsidiary of Arch Capital Group, a Bermuda-based insurer with over $26 billion in capital and top-tier financial strength ratings. It underwrites complex, non-admitted specialty risks across casualty, professional lines, and property that fall outside standard market guidelines. Its scale and broad appetite make it a core E&S partner for NeitClem's wholesale placements.
Ategrity
Ategrity Specialty Insurance Company is a technology-driven E&S carrier built to make underwriting for small and mid-sized commercial risks fast, consistent, and effortless for agents and brokers. Its data-driven risk analysis and streamlined digital platform give NeitClem a nimble, efficient market for hard-to-place accounts that demand speed without sacrificing underwriting discipline.
Ategrity
Ategrity Specialty Insurance Company is a technology-driven E&S carrier built to make underwriting for small and mid-sized commercial risks fast, consistent, and effortless for agents and brokers. Its data-driven risk analysis and streamlined digital platform give NeitClem a nimble, efficient market for hard-to-place accounts that demand speed without sacrificing underwriting discipline.
Lines of Business
- General Liability
- Commercial Property (Package)
- Liquor Liability - Monoline Okay
- Excess (Ategrity as the primary)
- Inland Marine (As a package)
- Property
- Errors & Omissions - All Others
Appetite (Target Appetites First)
- Small Business (Non-Profit, Commercial LRO, Artisan Contractors & Hospitality)
- < 30% in liquor sales, Revenue - Up to $3M for Hotel/Motel & $5M for all other classes
- Limits - Max limits of $1M/$2M, Property authority is up to $1.5M TIV per location, $5M TIV per policy
- Can consider accounts with property coverage up to 5 locations
- Digital Brokerage (Non-Profit, Retail & Wholesale Trade, Daycare & Hospitality)
- TIV: $1.5M - $5M per location, $5M per policy, Up to 10 locations, Revenue: Up to $25M, Buildings with up to 1000 units
- Buildings up to 20 stories, Daycares with licensed capacity up to 1000, < 60% in liquor sales, Anything that does not qualify for Digital Brokerage will be routed to the appropriate Brokerage team
- Ategrity Select
- Ategrity Select Small Contractor - Designed for non-structural type contractors with <$1M in revenue
- Ategrity Select Home Health - All Home Healthcare risks licensed with the Centers for Medicare & Medicaid Services (CMS)
- Unskilled nursing & similar services: housekeeping, bathing, dressing, medication reminders, meal prep, laundry, groceries, light outdoor activities, companionship
- Ategrity Select Non-Profits - This Ategrity Select Non-Profit product is exclusively for 501(c)(3) non-profit organizations, packaged to make obtaining coverage easy and accessible
- Social Services Organizations: Food banks, programs serving battered women/children, animal advocacy groups, adoption centers; Youth Sports Programs; Community Theater; & Art Groups
- Religious Organizations - As a religious organization, ministry is the mission — but unique risks can put that mission at risk. Ategrity Select extends beyond churches, offering protection for Meditation Centers, Ministry Groups, Tenant Organizations, Mosques, and Temples
CM Vantage
CM Vantage Specialty Insurance Company, backed by the financial strength of Church Mutual Insurance, underwrites excess and surplus lines property and casualty coverage for hard-to-place risks in retail, construction, manufacturing, real estate, and hospitality. Working exclusively through appointed wholesale brokers, CM Vantage gives NeitClem flexible primary and excess capacity for unique exposures that standard markets won't touch.
CM Vantage
CM Vantage Specialty Insurance Company, backed by the financial strength of Church Mutual Insurance, underwrites excess and surplus lines property and casualty coverage for hard-to-place risks in retail, construction, manufacturing, real estate, and hospitality. Working exclusively through appointed wholesale brokers, CM Vantage gives NeitClem flexible primary and excess capacity for unique exposures that standard markets won't touch.
Lines of Business
- General Liability
- Commercial Property (Package)
- Commercial Property (Monoline)
- Excess Liability
- Vacant Buildings
Crum & Forster
Crum & Forster is a market-leading property, casualty, accident & health, and specialty insurer with a 200-year underwriting legacy and a reputation for disciplined, laser-focused risk selection. As a true underwriting company, C&F gives NeitClem access to a broad specialty product suite for accounts that demand tailored, expert-driven solutions.
Crum & Forster
Crum & Forster is a market-leading property, casualty, accident & health, and specialty insurer with a 200-year underwriting legacy and a reputation for disciplined, laser-focused risk selection. As a true underwriting company, C&F gives NeitClem access to a broad specialty product suite for accounts that demand tailored, expert-driven solutions.
Lines of Business
- General Liability
- Commercial Property (Package)
- Fire (Farm Owners)
- Excess Liability
- Pollution
Application Forms
District Cover / Vantage Risk
District Cover is a technology-enabled commercial insurance program built for urban businesses - restaurants, retailers, landlords, and multi-location operators - using block-level data instead of outdated ZIP-code assumptions to underwrite fairly in dense city markets. Its modern, data-driven approach gives NeitClem a differentiated program option for urban risk that legacy carriers often mis-price or decline.
District Cover / Vantage Risk
District Cover is a technology-enabled commercial insurance program built for urban businesses - restaurants, retailers, landlords, and multi-location operators - using block-level data instead of outdated ZIP-code assumptions to underwrite fairly in dense city markets. Its modern, data-driven approach gives NeitClem a differentiated program option for urban risk that legacy carriers often mis-price or decline.
Lines of Business
- Commercial Package
- Commercial Package Multi Location
- Property Only
- General Liability
Appetite (Target Appetites First)
- Restaurants: Includes fast food, take out, casual dining, and family-style restaurants
- Liquor exposure: Up to 50% & liquor liability available
- Bars & Wedding venues: Can be considered on Property only
- LRO Office & Retail
- Office buildings & doctors' practices
- Retail strip malls: With restaurants, retail stores, and services
- Grocery: Mid-sized markets, convenience stores, liquor stores
- Retail Shopping
- Service Shops
- Wholesale / Distribution
- Moderate to High Fire is not eligible
Great American E & S
Great American E&S is the excess and surplus lines arm of Great American Insurance Group, delivering nonadmitted capacity for harder-to-place commercial risks that fall outside standard market appetite. This E&S flexibility gives NeitClem an additional avenue to place complex or higher-hazard accounts backed by Great American's strong financial foundation.
Great American E & S
Great American E&S is the excess and surplus lines arm of Great American Insurance Group, delivering nonadmitted capacity for harder-to-place commercial risks that fall outside standard market appetite. This E&S flexibility gives NeitClem an additional avenue to place complex or higher-hazard accounts backed by Great American's strong financial foundation.
Lines of Business
- General Liability
- Commercial Property (Package)
- Commercial Property (Monoline)
- Excess Liability
- Products Recall
Great American Risk
Great American Risk Solutions is a specialty division of Great American Insurance Group, a 150-plus-year-old carrier with deep niche expertise across agriculture, construction, transportation, and other specialized industries. This targeted underwriting appetite allows NeitClem to place unique, industry-specific risks with a carrier that understands the nuances of each niche.
Great American Risk
Great American Risk Solutions is a specialty division of Great American Insurance Group, a 150-plus-year-old carrier with deep niche expertise across agriculture, construction, transportation, and other specialized industries. This targeted underwriting appetite allows NeitClem to place unique, industry-specific risks with a carrier that understands the nuances of each niche.
Lines of Business
- General Liability
- Excess Liability
- Commercial Property (Monoline)
- Errors & Omissions - Directors & Officer
- Crime
- Employment Practices Liability
Houston Cas
Houston Casualty Company, underwriting under the Tokio Marine HCC group, is a globally recognized specialty insurer offering more than 100 specialty products across aviation, energy, marine, professional liability, and other niche sectors. Backed by superior financial ratings and deep underwriting expertise, Houston Cas gives NeitClem access to sophisticated specialty capacity for hard-to-place risks.
Houston Cas
Houston Casualty Company, underwriting under the Tokio Marine HCC group, is a globally recognized specialty insurer offering more than 100 specialty products across aviation, energy, marine, professional liability, and other niche sectors. Backed by superior financial ratings and deep underwriting expertise, Houston Cas gives NeitClem access to sophisticated specialty capacity for hard-to-place risks.
Lines of Business
- General Liability
- Excess Liability
- Errors & Omissions - All Others
- Products Recall
- Misc
Insurance Co of the West
Insurance Company of the West (ICW Group) is a specialty carrier best known for its expertise in workers' compensation, complemented by growing commercial casualty and excess liability capabilities through ICW Specialty. This focused underwriting appetite allows NeitClem to place challenging workers' comp and casualty risks with a carrier that combines niche expertise and strong claims handling.
Liberty Surplus
Liberty Surplus Insurance Corporation is the excess and surplus lines arm of Liberty Mutual, one of the largest global property and casualty insurers. It underwrites hard-to-place commercial risks, including general liability, excess/umbrella, and professional lines, for accounts that standard markets decline. Its financial strength and broad appetite make it a dependable E&S market for NeitClem's wholesale placements.
LIO Specialty
LIO Specialty Insurance Company is a technology-enabled specialty carrier focused on niche commercial P&C segments such as community associations, amateur sports, special events, and nonprofit management liability. Its fast, digitally streamlined quoting and binding process gives NeitClem an efficient program market for well-defined niche classes that require specialized underwriting knowledge.
LIO Specialty
LIO Specialty Insurance Company is a technology-enabled specialty carrier focused on niche commercial P&C segments such as community associations, amateur sports, special events, and nonprofit management liability. Its fast, digitally streamlined quoting and binding process gives NeitClem an efficient program market for well-defined niche classes that require specialized underwriting knowledge.
Lines of Business
- Construction
- General Casualty
- Life Science
- Products Liability
- General Liability (with Product/Completed Operations)
Appetite (Target Appetites First)
Life Sciences
- Cannabis
- Nutraceutical Risks
Products Liability
- Appliances & Electronics
- Food & Beverage
- Clothing
- Machinery & Machine Shops
- Sporting Goods
- Tobacco & E-Cigarettes
- Consumer & Industrial Products
Construction (Practice, OI & OCP policies)
General Casualty
- Vacant Land
- Vacant Buildings
- Commercial LRO
- Habitational
Markel / Evanston
Markel Corporation, through its Evanston Insurance Company subsidiary, is a leading excess and surplus lines carrier known for flexible, non-admitted capacity across professional liability, general liability, and specialty commercial risk. Evanston's broad appetite and creative underwriting give NeitClem a dependable E&S partner for complex accounts that fall outside standard market guidelines.
Markel / Evanston
Markel Corporation, through its Evanston Insurance Company subsidiary, is a leading excess and surplus lines carrier known for flexible, non-admitted capacity across professional liability, general liability, and specialty commercial risk. Evanston's broad appetite and creative underwriting give NeitClem a dependable E&S partner for complex accounts that fall outside standard market guidelines.
Lines of Business
- Pollution (Brokerage)
- General Liability
- Commercial Property (Package)
- Excess Liability (Brokerage)
- Commercial Property (Monoline)
- Garage
- Inland Marine
- Misc
- Errors & Omissions - Directors & Officers
Markel American Ins
Markel American Insurance Company is the admitted-lines arm of Markel Corporation, delivering standard-market stability and rate/form-compliant coverage across commercial and specialty personal lines. For NeitClem, Markel American provides a trusted admitted option when clients need policy forms filed and approved in their home state.
Navigators Specialty
Navigators Specialty Insurance Company is The Hartford's excess and surplus lines carrier, built on Navigators' legacy of underwriting specialty marine, construction, and professional liability risks. This E&S paper gives NeitClem the underwriting flexibility to place non-standard and complex risks that fall outside admitted market guidelines.
Palomar
Palomar is a specialty property and casualty insurer known for reimagining coverage in catastrophe-exposed lines such as earthquake, along with E&S casualty, inland marine, and crop insurance. Palomar's willingness to write concentrated, catastrophe-prone risks gives NeitClem a creative market for accounts that traditional carriers often avoid.
Palomar
Palomar is a specialty property and casualty insurer known for reimagining coverage in catastrophe-exposed lines such as earthquake, along with E&S casualty, inland marine, and crop insurance. Palomar's willingness to write concentrated, catastrophe-prone risks gives NeitClem a creative market for accounts that traditional carriers often avoid.
Lines of Business
- DIC, Earthquake (Monoline)
- Commercial Property (Monoline)
- Inland Marine
- General Liability
- Excess Liability
- Environmental Impairment
- Pollution
QBE Specialty
QBE Specialty Insurance Company is the U.S. excess and surplus lines platform of QBE Insurance Group, a top-tier global commercial insurer headquartered in Australia. It underwrites complex property, casualty, professional, and specialty risks that require non-admitted flexibility and creative structuring. Its international backing and specialty underwriting depth make it a valuable E&S partner for NeitClem's harder-to-place accounts.
RLI
RLI Corp is a specialty property and casualty insurer recognized for creative underwriting in niche commercial lines, executive risk, and surety, backed by an AM Best A++ rating. As a trusted specialty carrier partner, RLI gives NeitClem the flexibility and capacity to place unique, hard-to-fit commercial risks that standard markets decline.
RLI
RLI Corp is a specialty property and casualty insurer recognized for creative underwriting in niche commercial lines, executive risk, and surety, backed by an AM Best A++ rating. As a trusted specialty carrier partner, RLI gives NeitClem the flexibility and capacity to place unique, hard-to-fit commercial risks that standard markets decline.
Lines of Business
- General Liability
- Commercial Property (Package)
- Commercial Property (Monoline)
- DIC, Earthquake (Monoline)
- Pollution
RSUI / Landmark
RSUI Group is a leading wholesale specialty underwriter, writing property, casualty, professional liability, and D&O coverage primarily on a non-admitted basis through its Landmark American Insurance Company subsidiary. Backed by Alleghany/Berkshire Hathaway financial strength, RSUI gives NeitClem broad appetite and flexible terms for large, complex, and catastrophe-exposed risks that require true E&S capacity.
Seneca
Seneca Insurance Company is an excess and surplus lines carrier and independently managed subsidiary of Crum & Forster, specializing in difficult-to-place commercial property and liability risks nationwide. Seneca's underwriting-first, no-minimum-premium approach gives NeitClem the flexibility to place niche and nonstandard accounts that don't fit conventional underwriting boxes.
Seneca
Seneca Insurance Company is an excess and surplus lines carrier and independently managed subsidiary of Crum & Forster, specializing in difficult-to-place commercial property and liability risks nationwide. Seneca's underwriting-first, no-minimum-premium approach gives NeitClem the flexibility to place niche and nonstandard accounts that don't fit conventional underwriting boxes.
Lines of Business
- General Liability
- Commercial Property (Package)
- Commercial Property (Monoline)
- Vacant Buildings
StarStone / CoreSpec
Core Specialty Insurance Holdings operates through specialized business units - including StarStone Specialty Insurance Company, a property and casualty excess and surplus lines insurer - that combine local underwriting autonomy with deep niche expertise. This decentralized, E&S-focused approach gives NeitClem access to responsive, knowledgeable underwriters for hard-to-place small and mid-sized commercial risks across agriculture, aviation, healthcare, and more.
Swiss Re Corporate Solutions
Swiss Re Corporate Solutions is the commercial insurance arm of the Swiss Re Group, offering traditional and alternative risk transfer solutions backed by over 160 years of reinsurance expertise and global balance-sheet strength. This depth of capacity and structuring sophistication allows NeitClem to place large, complex corporate accounts that require creative risk transfer beyond conventional insurance.
Swiss Re Corporate Solutions
Swiss Re Corporate Solutions is the commercial insurance arm of the Swiss Re Group, offering traditional and alternative risk transfer solutions backed by over 160 years of reinsurance expertise and global balance-sheet strength. This depth of capacity and structuring sophistication allows NeitClem to place large, complex corporate accounts that require creative risk transfer beyond conventional insurance.
Lines of Business
- General Liability
- Commercial Property (Package)
- Commercial Property (Monoline)
- DIC, Earthquake (Monoline)
- Excess Liability
VERUS
Verus Specialty Insurance, a member of W. R. Berkley Corporation, is an underwriting manager focused exclusively on small to midsize E&S and specialty commercial risks, including general liability, professional liability, and garage coverage. Verus partners with a select group of wholesale brokers, giving NeitClem tailored access to A+ rated Berkley paper for niche accounts that standard markets decline.
VERUS
Verus Specialty Insurance, a member of W. R. Berkley Corporation, is an underwriting manager focused exclusively on small to midsize E&S and specialty commercial risks, including general liability, professional liability, and garage coverage. Verus partners with a select group of wholesale brokers, giving NeitClem tailored access to A+ rated Berkley paper for niche accounts that standard markets decline.
Lines of Business
- General Liability
Appetite (Target Appetites First)
Casualty
Target classes include:
- Construction & General Contractors
- Manufacturing & Distribution
- Real Estate Risks
- Hospitality & Mercantile Risks
- Product-Driven Businesses
- Small Business Contractors
Professional Liability
Target classes include:
- Insurance Agents & Brokers
- Lawyers
- Real Estate Professionals
- Miscellaneous E&O Risks
- MGAs / MGUs
- Third Party Administrators
Westchester Surplus
Westchester Surplus Lines Insurance Company is the excess and surplus lines division of Chubb, one of the largest and most diversified E&S underwriters in the United States across property, casualty, environmental, and professional risk. Distributed exclusively through wholesale brokers, Westchester gives NeitClem access to Chubb-caliber capacity and claims service for complex risks that fall outside the admitted market.
Westchester Surplus
Westchester Surplus Lines Insurance Company is the excess and surplus lines division of Chubb, one of the largest and most diversified E&S underwriters in the United States across property, casualty, environmental, and professional risk. Distributed exclusively through wholesale brokers, Westchester gives NeitClem access to Chubb-caliber capacity and claims service for complex risks that fall outside the admitted market.
Lines of Business
- General Liability
- Excess Liability
- Pollution
- Errors & Omissions - All Others
- Employment Practices Liability
- Environment Impairment
Ace Fire Underwriters
ACE Fire Underwriters Insurance Company is a legacy ACE Group admitted carrier now part of the Chubb group of insurance companies, historically used to write commercial property and casualty business on an admitted basis. It contributes to Chubb's deep bench of licensed paper across all fifty states. This depth of admitted capacity helps NeitClem match client risk profiles with the right Chubb-affiliated entity.
Arrowhead
Arrowhead is a leading national program administrator and managing general agency, part of Brown & Brown, managing roughly $1.8 billion in written premium across 30+ specialty and commercial programs. It partners with top-rated carriers to deliver tailored, program-based insurance solutions across niche commercial, personal, and specialty lines. Its deep program expertise gives NeitClem access to purpose-built products for specific industries and exposures.
Capitol Spec Ins
Capitol Specialty Insurance Company is the underwriting carrier entity behind the CapSpecialty brand, licensed to write specialty commercial lines including professional liability and surety on both admitted and non-admitted bases. It provides the balance-sheet capacity that supports CapSpecialty's specialty underwriting programs. This dual admitted/non-admitted flexibility helps NeitClem match client risk profiles to the appropriate paper.
Cumis
CUMIS Insurance Society, now operating under the TruStage brand, is a specialty carrier built to serve credit unions and their members with tailored bond, liability, and property coverage. Drawing on nearly a century of experience in the credit union space, CUMIS combines deep niche expertise with the financial backing of a national insurance and financial services organization. As a valued carrier partner, CUMIS allows NeitClem to place specialized credit union risk that generalist markets are not equipped to underwrite.
Everest Ind
Everest Indemnity Insurance Company is the excess and surplus lines subsidiary of Everest Group, a global underwriting leader with a 50-year track record across property, casualty, and specialty insurance and reinsurance. The carrier provides non-admitted capacity for complex commercial risks that require creative structuring beyond standard market terms. As a valued carrier partner, Everest Ind gives NeitClem the balance sheet strength and underwriting expertise of one of the world's largest reinsurers.
Great Divide Ins
Great Divide Insurance Company is an excess and surplus lines carrier operating as part of Nautilus Insurance Group, a W. R. Berkley Corporation member specializing in the high-volume, small-premium E&S market. It provides non-admitted capacity for commercial property, casualty, and specialty risks that fall outside standard market appetite. As a valued carrier partner, Great Divide gives NeitClem access to Nautilus's deep E&S expertise and Berkley-backed financial strength for harder-to-place accounts.
Houston Spec
Houston Specialty Insurance Company, a Skyward Specialty Insurance Group carrier, underwrites transactional excess and surplus lines business across a range of niche industry programs. Skyward's uncommon, technology-enabled approach to underwriting allows Houston Specialty to move quickly on complex and unconventional risks. For NeitClem, Houston Specialty is a nimble E&S market for accounts that fall outside standard underwriting appetites.
Hudson Excess
Hudson Excess is the surplus lines platform of Hudson Insurance Group, a member of the Odyssey Group with an A+ (Superior) AM Best rating and a long track record of underwriting discipline. The carrier writes a diversified book of excess and surplus casualty, property, and professional lines business distributed through wholesalers and program administrators. As a valued carrier partner, Hudson Excess gives NeitClem the financial strength and flexible underwriting appetite to place complex commercial risks other markets decline.
Ins Co of The State of PA
Insurance Company of the State of Pennsylvania is another key admitted-paper subsidiary within the AIG group, used to issue compliant, state-approved policies across a wide range of commercial lines. Its inclusion in NeitClem's carrier panel ensures access to AIG-backed admitted capacity for clients who need standard-market paper alongside specialty placements.
National Union Fire
National Union Fire Insurance Company of Pittsburgh, Pa. is one of AIG's flagship admitted-paper subsidiaries, providing broad property, casualty, and specialty coverage on an admitted basis nationwide. This carrier gives NeitClem reliable, well-rated admitted capacity backed by AIG's global financial strength for accounts that require compliant, state-filed forms.
Palms Ins
Palms Insurance is a specialty excess and surplus lines group, operating through Palms Specialty Insurance Company and affiliated entities rated A- to A by AM Best, that underwrites specialty property, professional lines, and casualty business exclusively through program administrators. The carrier is built around disciplined, principled underwriting partnerships rather than direct distribution. As a valued carrier partner, Palms Ins gives NeitClem flexible, expert-driven capacity for niche commercial specialty risk.
Republic-Vanguard
Republic-Vanguard Insurance Company is a specialty excess and surplus lines carrier operating under AmTrust Financial Services, a major P&C insurer and top U.S. workers' compensation provider. The carrier focuses on specialty commercial property and casualty programs for small and mid-sized businesses across a range of industries. As a valued carrier partner, Republic-Vanguard gives NeitClem access to AmTrust's specialty underwriting scale for placing harder commercial accounts.
Shield Indemnity
Shield Indemnity is an affiliated underwriting entity within the Universal Shield Insurance Group (USIG) family, supporting the group's hybrid insurer/insurtech model for small commercial risks. It extends USIG's capacity for underserved small-business property and casualty exposures. For NeitClem, it broadens the pool of USIG-affiliated paper available for niche small commercial placements.
Westchester Fire
Westchester Fire Insurance Company is a legacy excess and surplus lines carrier, now operating as part of Chubb's specialty insurance group, known for underwriting large and complex property, casualty, and inland marine risks. It has a long-standing reputation for creative capacity on substantial commercial risks that fall outside standard market parameters. NeitClem relies on this Chubb-affiliated paper for sizable, hard-to-place E&S accounts.
ACE Online
ACE Online was the digital/e-commerce distribution channel of the former ACE Group, now integrated into Chubb's broader digital and small commercial insurance platforms. It focused on streamlined, technology-driven placement of smaller specialty and commercial risks. For NeitClem, this heritage reflects Chubb's continued investment in efficient digital placement for lower-complexity specialty business.
Canopius US
Canopius is a global specialty (re)insurer operating across the US, UK, Bermuda, and Lloyd's markets, underwriting complex risks in construction, energy, marine, cyber, and financial lines. Known for its practical, innovation-led approach to underwriting, Canopius gives NeitClem access to sophisticated specialty capacity backed by substantial international balance-sheet strength.
CapSpecialty
CapSpecialty is a specialty insurance carrier, part of the Alleghany/Berkshire Hathaway group, known for underwriting professional liability, surety, and specialty property/casualty risks for small to mid-sized businesses. It emphasizes responsive, relationship-driven underwriting for niche and hard-to-place accounts. Its Berkshire Hathaway-backed financial strength gives NeitClem confidence in placing specialty risks with long-term claims-paying stability.
Berkley Select
Berkley Select, a member of W. R. Berkley Corporation, focuses exclusively on management and professional liability coverage, including executive liability, lawyers' professional liability, and accountants' professional liability for businesses, professional firms, and nonprofits. Operating since 1992 and backed by an A+ (Superior) A.M. Best rating, the carrier pairs expert underwriting with fast, efficient claims handling. This specialized professional liability expertise gives NeitClem a dependable market for executive and professional lines risks.
Coalition
Coalition is a technology-driven cyber insurance MGA that pairs underwriting capacity from top-tier carriers with proprietary active risk monitoring and incident response tools. Its 'Active Insurance' model helps policyholders prevent losses before they occur, making it a leading market for modern cyber and technology E&O risk. As a valued program partner, Coalition gives NeitClem access to innovative, tech-forward cyber capacity that traditional markets have been slow to match.
Dual / Axis
DUAL is a leading international managing general agent, founded in 1998 and now part of Howden, writing over £2.5 billion in gross written premium across 70+ specialty product lines in 21 countries. It partners with highly rated capacity providers, including AXIS Capital, to underwrite complex financial lines, transactional risk, and other specialist products. This entrepreneurial, underwriting-led MGA model gives NeitClem access to nimble, purpose-built specialty products.
Dual / Axis
DUAL is a leading international managing general agent, founded in 1998 and now part of Howden, writing over £2.5 billion in gross written premium across 70+ specialty product lines in 21 countries. It partners with highly rated capacity providers, including AXIS Capital, to underwrite complex financial lines, transactional risk, and other specialist products. This entrepreneurial, underwriting-led MGA model gives NeitClem access to nimble, purpose-built specialty products.
Application Forms
Golden Bear
Golden Bear Insurance Company is a California-based surplus lines carrier, part of K2 Insurance Services, specializing in commercial property and casualty coverage for hard-to-place risks throughout California and the western United States. Its regional underwriting expertise and flexible, non-admitted capacity give NeitClem a responsive market for niche California commercial risks that standard carriers decline.
Golden Bear
Golden Bear Insurance Company is a California-based surplus lines carrier, part of K2 Insurance Services, specializing in commercial property and casualty coverage for hard-to-place risks throughout California and the western United States. Its regional underwriting expertise and flexible, non-admitted capacity give NeitClem a responsive market for niche California commercial risks that standard carriers decline.
Application Forms
Homeland Ins
Homeland Insurance Company of New York, part of Intact Insurance Specialty Solutions, is an excess and surplus lines carrier offering complex risk solutions across more than 20 specialty business lines. Backed by Intact Financial Corporation's substantial capital base and strong A.M. Best and Moody's ratings, Homeland combines broker-focused service with in-house claims handling. NeitClem relies on Homeland for E&S capacity on niche and hard-to-place specialty accounts.
Nautilus
Nautilus Insurance Group, a member of W. R. Berkley Corporation, is a leading excess and surplus lines carrier specializing in the high-volume, small-premium commercial market across general liability, property, and inland marine. Operating since 1985 and backed by an A+ (Superior) A.M. Best rating, Nautilus serves appointed wholesale general agents nationwide. Its deep E&S expertise and Berkley-backed financial strength make it a dependable market for NeitClem's harder-to-place small commercial accounts.
North American Capacity
North American Capacity Insurance Company (NAC) is the U.S. excess and surplus lines carrier within the Swiss Re Corporate Solutions family, focused on hard-to-place casualty, property, and specialty risks. NAC's E&S flexibility, paired with Swiss Re's financial backing, gives NeitClem a strong market for nonstandard accounts that require nonadmitted paper.
Richmond
Richmond National Insurance Company is an excess and surplus lines carrier specializing in property, casualty, and professional liability coverage for small and mid-sized businesses that don't fit standard market guidelines. Backed by an A- (Excellent) A.M. Best rating, the company distributes exclusively through appointed surplus lines brokers nationwide. Its flexible, niche-focused underwriting gives NeitClem another dependable E&S market for hard-to-place commercial risks.
Starr Surplus
Starr Surplus Lines Insurance Company is the excess and surplus lines arm of Starr Companies, a global specialty insurance and reinsurance group with over a century of underwriting experience. Backed by an A (Excellent) A.M. Best rating and broad line-of-business expertise spanning construction, energy, marine, and professional liability, Starr gives NeitClem access to flexible, non-admitted capacity for specialized and higher-hazard risks.
Universal Shield
Universal Shield Insurance Group (USIG) is a hybrid property and casualty insurer and insurtech focused on delivering innovative coverage solutions to underserved small-business markets. It combines modern technology with specialty underwriting to reach niche segments that traditional carriers often overlook. This underserved-market focus gives NeitClem a differentiated market for small commercial accounts that need creative placement.
Vela
Vela Insurance Services is a specialty program underwriter and managing general agency operating under the W. R. Berkley Corporation umbrella, one of the largest commercial lines insurance organizations in the U.S. It develops and manages specialty insurance programs backed by Berkley's highly rated (A+ A.M. Best) carrier network. This program-underwriting model and strong balance-sheet backing make Vela a solid specialty partner for NeitClem's program business.
Vela
Vela Insurance Services is a specialty program underwriter and managing general agency operating under the W. R. Berkley Corporation umbrella, one of the largest commercial lines insurance organizations in the U.S. It develops and manages specialty insurance programs backed by Berkley's highly rated (A+ A.M. Best) carrier network. This program-underwriting model and strong balance-sheet backing make Vela a solid specialty partner for NeitClem's program business.
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Western World
Western World Insurance Company, an AIG subsidiary, has provided non-admitted excess and surplus lines coverage since 1964 across general liability, commercial property, and garage risks distributed exclusively through wholesale brokers. Its Western World Integrated Platform (WWIP) enables fast quoting and binding, while AIG's financial strength and Lexington Insurance's specialty expertise back its capacity. This combination of speed and scale gives NeitClem an efficient E&S market for small and mid-sized commercial accounts.
Western World
Western World Insurance Company, an AIG subsidiary, has provided non-admitted excess and surplus lines coverage since 1964 across general liability, commercial property, and garage risks distributed exclusively through wholesale brokers. Its Western World Integrated Platform (WWIP) enables fast quoting and binding, while AIG's financial strength and Lexington Insurance's specialty expertise back its capacity. This combination of speed and scale gives NeitClem an efficient E&S market for small and mid-sized commercial accounts.
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