Business Details
Specialty Insurance Brokers for Unique Risks
Surplus Insurance Brokers has specialized in placing hard-to-place and specialty insurance risks for over 42 years. Our team of dedicated problem solvers prioritizes speed, accuracy, and accessibility while leveraging deep underwriting expertise and relationships with top-rated carriers. We serve independent agents by providing tailored solutions for unique risks across personal, commercial, and transportation lines.Our carriers maintain A+ ratings and offer both admitted and non-admitted coverage options. We distinguish ourselves through hands-on service, including onsite risk assessments, and a commitment to transforming client challenges into successful placements.
Services
Personal Lines Insurance
Commercial Risk Coverage
Transportation Insurance
Risk Management Solutions
Specialty Insurance Brokerage
Highlights and features
- We have 42 years of experience in specialty risk insurance placements
- Our team works with carriers holding A+ financial ratings
- We provide hands-on risk assessment through onsite visits
- We offer quick turnaround times even for complex requests
- Our expertise covers unique exposures across all insurance lines
What people say
Efficient, knowledgeable, friendly
Timely and knowledgeable
Job gets done
Great industry partner
Always professional
Services
Personal Lines Insurance
We provide specialized insurance for unique dwellings and possessions including farms, mobile homes, collector vehicles, and valuable personal property. Our solutions address non-standard risks through tailored policies that protect both conventional and unusual assets. With access to multiple carriers, we secure coverage for properties requiring special attention beyond typical insurance offerings.
Commercial Risk Coverage
Our commercial insurance solutions address complex business exposures ranging from short-term equipment rentals to comprehensive manufacturing plant protection. We specialize in creating customized risk management strategies for challenging commercial scenarios including special event coverage, liquor liability, and industry-specific liability requirements across diverse sectors.
Transportation Insurance
We offer transportation risk coverage for vehicles, cargo, and passengers across diverse operations including trucking fleets, auto dealerships, and specialized transport services. Our expertise extends to both commercial and personal transportation risks, providing comprehensive protection for rolling stock and related liabilities through experienced underwriting partnerships.
Specialty Risk Solutions
Our core capability lies in placing difficult risks others consider uninsurable through creative policy structuring and carrier relationships. We handle unusual exposures across all insurance categories by developing innovative solutions that bridge coverage gaps while maintaining proper risk assessment protocols and financial safeguards.
Insurance Brokerage Services
As an independent brokerage, we connect clients with appropriate insurance products through our network of top-rated carriers for both admitted and non-admitted coverage. Our service includes risk assessment, policy comparison, claims advocacy, and ongoing coverage optimization to ensure clients receive comprehensive protection matching their specific needs.
Questions
What types of insurance do you specialize in?
We specialize in hard-to-place personal, commercial, and transportation insurance risks through our network of top-rated carriers.
How do you handle difficult insurance risks?
Our team uses 42 years of experience to create customized solutions for challenging risks others consider uninsurable through creative policy structuring.
Do you offer financing options?
Yes, we provide financing options for qualifying personal and commercial insurance policies to improve accessibility.
What areas do you serve?
While based in South Bend, IN, we work with independent agents nationwide to place specialty insurance risks.
How quickly can you provide coverage?
We prioritize quick turnaround times and often provide placement solutions within 24-48 hours for urgent requests.
