Commercial Division
Commercial Specialty
E&S, habitational, hospitality and tough classes
Agents must be appointed with INVO to receive commission on submitted or bound accounts.
What we place in specialty
Appetite at a glance
- Habitational — apartments, condo associations and mixed-use
- Hospitality — bars, taverns, restaurants and event venues
- Contractors including roofing and other tough trades
- Vacant buildings, builders risk and property in renovation
- Special events, excess liability and monoline property
Products
What we write in this division
Choose the tile that best fits the account. Each product lists the coverages available and exactly what to attach so we can quote on the first pass. If nothing fits, use the general submission tile and our team will route it.
USLIUSLI — 3 Ways to Quote
Choose the best path for your risk: phone quote, instant digital quote, or submit for underwriting review.
3. Submit a Risk
Send ACORDs, loss runs, or a USLI application for underwriting review
Catch-All
General Commercial Specialty Submission
Catch-all for E&S risks without a dedicated product tile.
- General Liability
- Property
- Excess
- Inland Marine
Eligibility highlights
- E&S and hard-to-place classes
- Habitational, hospitality and vacant risks
- Excess liability over supported primaries
Send with the submission
- Appropriate ACORD Application
- Loss runs up to 5 years, if possible, or no-loss letter
- Supplemental application when one applies
Response time: 1 business day
Food & Beverage
Restaurants, Bars & Taverns
Full-service dining, taverns, breweries and entertainment venues.
- General Liability
- Property
- Liquor Liability
- Excess
Eligibility highlights
- Full-service, fast casual, bars and taverns
- Liquor receipts percentage required
- Cooking and hood-suppression details required
Send with the submission
- Appropriate ACORD Application
- Restaurant / bar / tavern supplemental
- Liquor receipts split
- Loss runs up to 5 years, if possible, or no-loss letter
Response time: 1 business day
Contractors
Artisan Contractors
Light trades and specialty contractors across most classes.
- General Liability
- Inland Marine
- Excess
Eligibility highlights
- Trade contractors with limited new construction
- Receipts split by operation
- Subcontractor certificates on file
Send with the submission
- Appropriate ACORD Application
- Contractor supplemental
- Subcontractor cost breakdown
- Loss runs up to 5 years, if possible, or no-loss letter
Response time: 1 business day
Construction
Builders Risk
New construction, renovation and remodel projects.
- Property
- Inland Marine
Eligibility highlights
- Ground-up, renovation and remodel projects
- Project value, term and construction type required
Send with the submission
- Appropriate ACORD Application
- Builders risk supplemental
- Project description and completed value
- Construction schedule
Response time: 1 business day
Real Estate
Habitational & Lessor's Risk
Apartments, condo associations and buildings leased to others.
- General Liability
- Property
- Excess
Eligibility highlights
- Apartments, LRO and mixed-use
- Statement of values required
- Roof, wiring and plumbing update dates
Send with the submission
- Appropriate ACORD Application
- Lessor's risk supplemental
- Statement of values / location schedule
- Loss runs up to 5 years, if possible, or no-loss letter
Response time: 1 business day
Real Estate
Vacant Buildings
Unoccupied commercial and residential structures, renovation or listed.
- General Liability
- Property
Eligibility highlights
- Vacant and unoccupied buildings
- Renovation plans and securement details required
Send with the submission
- Appropriate ACORD Application
- Vacant building supplemental
- Location schedule and photos
- Loss runs up to 5 years, if possible, or no-loss letter
Response time: 1 business day
Real Estate
Landowners & Vacant Land
Raw land, hunting tracts and land leased to others.
- General Liability
- Property
Send with the submission
- Appropriate ACORD Application
- Landowners supplemental
- Acreage and location schedule
- Loss runs up to 5 years, if possible, or no-loss letter
Response time: 1 business day
Events
Special Events
Festivals, concerts, fairs and one-off event exposures.
- General Liability
- Liquor Liability
Send with the submission
- Appropriate ACORD Application
- Special events supplemental
- Event details and attendance
- Vendor COIs and participant waivers
Response time: 1 business day
Human Services
Childcare & Daycare
Daycare centers, preschools and after-school programs.
- General Liability
- Property
- Excess
Send with the submission
- Appropriate ACORD Application
- Child care supplemental
- Licensing and staff-to-child ratios
- Loss runs up to 5 years, if possible, or no-loss letter
Response time: 1 business day
Retail
Convenience Stores
C-stores and small grocers, with or without fuel and packaged liquor.
- General Liability
- Property
- Liquor Liability
- Excess
Send with the submission
- Appropriate ACORD Application
- Convenience store / grocery supplemental
- Receipts by category
- Loss runs up to 5 years, if possible, or no-loss letter
Response time: 1 business day
Services
Health & Exercise Facilities
Gyms, studios, personal trainers and fitness instructors.
- General Liability
- Professional Liability
Send with the submission
- Appropriate ACORD Application
- Health & exercise supplemental
- Receipts by activity
- Participant waivers and instructor certifications
Response time: 1 business day
Services
Security Guards
Armed and unarmed guard services and patrol operations.
- General Liability
- Inland Marine
- Excess
Send with the submission
- Appropriate ACORD Application
- Security guard supplemental
- Armed vs. unarmed payroll split
- Loss runs up to 5 years, if possible, or no-loss letter
Response time: 1 business day
Recreation
Guides & Outfitters
Hunting, fishing, rafting and adventure guide operations.
- General Liability
- Professional Liability
Send with the submission
- Appropriate ACORD Application
- Guides & outfitters supplemental
- Description of guided activities
- Licensing and certifications
Response time: 1 business day
Agriculture
Farm & Ranch
Working farms, ranches, agritourism and equine exposures.
- General Liability
- Property
Send with the submission
- Farm & ranch application
- Location and equipment schedule
- Crop and livestock detail
- Loss history (3 years)
Response time: 1 business day
Contractors
Owners & Contractors Protective (OCP)
Project-specific liability protecting the owner for a named contractor.
- General Liability
Send with the submission
- Appropriate ACORD Application
- OCP supplemental
- Project description and location
- Contractor certificate of insurance
Response time: 1 business day
Cyber
Cyber Liability
First- and third-party cyber for commercial accounts of any size.
- Cyber
Send with the submission
- INVO cyber supplemental
- Revenue and record count
- Loss runs up to 5 years, if possible, or no-loss letter
Response time: 1 business day
Services
Tanning Salons
Tanning, spray tan and adjacent personal-care services.
- General Liability
- Professional Liability
Send with the submission
- Appropriate ACORD Application
- Tanning salon supplemental
- Gross receipts and services offered
- Safety procedures and client waivers
Response time: 1 business day
Markets
Sample markets in this division
Live carrier appetite records routed to this division.
Sample markets
Cyber Liability
Commercial Specialty
Send to INVO · 1 business day
Commercial Specialty EPLI
Commercial Specialty
Send to INVO · 1 business day
Artisan Contractors
Commercial Specialty
Send to INVO · 1 business day
Restaurants / Bars / Taverns
Commercial Specialty
Send to INVO · 1 business day
Lessor Risk / LRO
Commercial Specialty
Send to INVO · 1 business day
Habitational / Lessors Risk
Commercial Specialty
Send to INVO · 1 business day
Questions
Commercial Specialty FAQ
The questions agents ask most before sending an account.
Still unsure? Ask an underwriter.
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