Surplus Lines for Retail

Sometimes, a basic policy just doesn’t cut it. When your client runs a unique store, they need special coverage. 

Getting generic insurance for your client’s store is simple and covers most of your bases. But when they want to stand out from their competitors, you may need to generate a surplus line to give them the complete coverage they need. 

For example, one of our clients represented a person who owned and operated a boutique clothing store. They wanted to offer their customers wine while they shopped, but a general policy doesn’t cover alcohol. We were able to quickly set them up with an account that covered liquor exposure as well as property exposure and general liability.

Before the shop pops the bubbly, you have to consider every aspect of liability. How are they going to make sure they don’t serve customers under 21? What happens if a customer spills red wine on white pants? We’ll help you consider every angle, so you’re prepared for just about anything. 

And serving complimentary alcohol is only one example. We can help you figure out how to make your client’s vision come to life in the safest way possible.

We once created an account for a shop that makes and sells bath bombs. We rapidly generated a general liability and property quote for both their storefront and the place where they make their products. Their primary insurance agent became a superhero in their eyes because they could produce the coverage they needed in a short amount of time.

We’ll be your secret weapon when it comes to covering the weird.

What We Need From You

To get the fastest quote possible, be sure to provide us with:

  • The insured’s physical address AND mailing address (if different)
  • Detailed description of operations, including payroll and sales
  • Building and contents information (if requesting property coverage)

Why Work with Craig & Leicht

All too often, we’ve seen insurance agents getting frustrated at how long it takes to get a surplus line policy. And if the insurance agents are frustrated with the timeline, it’s almost guaranteed that the customers are frustrated too. 

We started Craig & Leicht to change all that.

We’re a family business, and we treat our clients like family. As soon as we have all the information we need regarding a potential policy, we get a quote back to you within hours. We understand that you (and your clients) are trying to meet deadlines and keep everyone happy. So, we offer speed and skill when crafting the perfect policy.

We have more than twenty years of experience under our belts, and we grew up immersed in the insurance industry. (No, seriously, both of our parents were insurance nerds, so while other kids were out playing soccer, we were learning about coverage options.) We’ve written thousands of policies, so we can ensure your client gets what they need and you win the day.

If you have any questions or need a quote for a surplus line but you’re not sure where to start, we’re here for you. Instead of waiting weeks for a simple quote, we’ll get one to you in a matter of hours. And we’ll get you all the coverage you need without adding anything you don’t.

Request your free quote here.


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