Insurance Companies We Work With
Home›About›Companies We Work With
Our markets

Insurance companies and specialty markets we work with.

We work with a carefully selected network of national carriers, regional insurers, and specialty markets to find solutions that fit each client. Every carrier has different strengths and appetites. Our role is to match the right strategy to the right market.

Get a quote Compare your coverage
Why carrier selection matters

The better question is not which carrier is best.

Most people start by asking "what is the best insurance company?" The better question is "which company is best for my situation?" Different carriers perform better in different cases.

The right insurance strategy weighs your operations, your property, your claims history, your industry, your growth plans, and your risk tolerance, then aligns those factors with the market that fits. That is the work of an independent agency, and it is why access to many carriers beats being tied to one.

Your operations

Your property exposures

Your claims history

Your industry

Your growth plans

Your risk tolerance

Featured carriers

Recognizable names we place coverage with.

A selection of the carriers we work with. These are markets, not the whole list. The right one for you depends on your situation.

Travelers

Broad commercial and personal coverage from one of the nation’s largest insurers.

View carrier profile →

The Hartford

A small-business and workers compensation leader.

View carrier profile →

Liberty Mutual / Safeco

National scale, with Safeco for home and auto.

View carrier profile →

Nationwide

A recognizable national market across personal and commercial lines.

View carrier profile →

Berkshire Hathaway Homestate

Berkshire Hathaway strength for workers comp and commercial.

View carrier profile →

GUARD

Competitive small-business BOP and workers comp, a Berkshire company.

View carrier profile →

Obie

Modern coverage built for landlords and investors.

View carrier profile →

Steadily

Fast landlord and rental property insurance.

View carrier profile →

Coterie

Digital small-business liability and business owners policies.

View carrier profile →

US Assure

A specialist builders risk program for construction.

View carrier profile →
Beyond standard markets

Not every solution comes from a household name.

Many unique risks need more than a standard carrier: specialty programs, program administrators, managing general agents, wholesale markets, and excess and surplus lines carriers. These relationships let us find coverage for risks that do not fit traditional underwriting. You do not need to know which is which. That is our job. You just need options, and we have them.

What we place

The breadth of solutions we help with.

Business / Commercial

Property, liability, workers comp, commercial auto, umbrella, cyber, and management liability for any business.

Explore →

Real Estate Investors

Landlord, rental, builders risk, and portfolio coverage for property investors.

Explore →

Commercial Property Owners

Lessor’s risk, valuation, lender, and lease-driven coverage for building owners.

Explore →

Real Estate Services

E&O, cyber, and operations coverage for agents, brokers, and property managers.

Explore →

Contractors

General liability, bonds, workers comp, tools, and contract requirements by trade.

Explore →

Restaurants

Liquor, property, equipment, delivery, and staff for food-service businesses.

Explore →

Trucking & Transportation

Authority, cargo, physical damage, and filings for motor carriers and fleets.

Explore →

Professional Services

Professional liability, cyber, and contracts for advisory and technology firms.

Explore →

Personal Insurance

Home, auto, umbrella, secondary homes, valuables, and high-value property.

Explore →

Life & Health

Term and permanent life, disability, business and individual health, and Medicare.

Explore →

Bonds & Specialty

Surety bonds, event coverage, excess liability, and difficult-to-place risks.

Explore →
More market relationships

And many more.

In addition to the featured carriers, we maintain relationships with numerous regional carriers, specialty markets, and program administrators.

A-One Retention Group
Access One80
Adriatic Insurance
Aegis
AIG
American Modern
Amwins
Applied Underwriters
BackNine
biBERK
Bonsai
BTIS
Burns & Wilcox
Chubb
Cochrane & Company
Cover Whale
CoverTree
Evanston Insurance
FL Dean
Foresters Financial
Forge
Gainsco
GEICO
HDVI
Hiscox
Hull & Company
Jencap
John Hancock
Johnson & Johnson
K&K Insurance
Lancer
Limit
Lincoln Financial
Markel
MassMutual
Mutual of Omaha
National General
NEXT Insurance
Nirvana
Openly
Oregon FAIR Plan
Pacific International Underwriters
Pacific Life
Pathpoint
Pie Insurance
Propeller Bonds
Protective
ProWriters
Prudential
R.V. Nuccio
REInsurePro
RLI
Rocklake
RPS (Risk Placement Services)
RT Specialty
Safeco
SAIF
Slice
Starfish
StarStone
Symetra
The Hanover
THREE
Trailblazers
Trisura
UmbrellaPro
Zip Bonds
Frequently asked

Common questions.

Do all insurance companies offer the same coverage?
No. Carriers differ in appetite, pricing, coverage forms, and service. Two policies that look similar can pay very differently, which is why matching the carrier to your situation matters more than picking a name.
Can you help if my carrier non-renews my policy?
Yes. As an independent agency we can shop your risk across many markets, including specialty and excess and surplus options, to find a replacement when a carrier exits or declines.
Can you compare multiple insurance options?
Yes. Because we are independent, we compare options across our carriers and markets and explain the tradeoffs, rather than offering one company’s products.
Do I need to change carriers every year?
No. We remarket only when it makes sense, such as a non-renewal, a meaningful rate change, or a change in your risk. Stability has value, and so does confirming you are still well placed.
Can specialty markets provide better coverage than standard carriers?
Sometimes. For unusual or hard-to-place risks, specialty programs, MGAs, and excess and surplus carriers can write coverage standard carriers will not. The right fit depends on the risk.

Carrier relationships, appetite, product availability, eligibility, pricing, and coverage vary by state and are subject to each carrier’s underwriting. Listing a carrier here is not a guarantee of placement, coverage, or pricing for any specific risk. Vantage Point Risk is an independent agency and matches each client to the market that fits their situation.

Need help evaluating your options?

The right carrier starts with your situation.

Whether you are evaluating your current program, replacing coverage, or exploring alternatives, we will help you find the market that fits. Independent means options, not one answer.

Get a quote Compare your coverage