Home, condo, landlord and wildfire
Admitted first when available, then FAIR Plan plus DIC or E&S when the risk needs a specialty path.
TravelersThe HartfordChubbPUREFAIR Plan + DICE&S Home
Market availability changes. This page is a representative routing map, not a promise that any carrier will quote, bind, or accept a specific risk. Eligibility depends on underwriting, location, class, loss history, capacity, and current carrier appetite.
Representative market access by line of business
Fast pages rank better, but clear pages convert better. This directory is intentionally text-first so people, search engines, and AI answer systems can understand exactly where Bollinsure can help.
High net worth personal lines
Homes, autos, jewelry, collections, umbrella, domestic staff, and layered personal liability programs.
ChubbPURETravelersSpecialty HNWE&S Property
Auto and umbrella
Personal auto, household drivers, youthful drivers, uninsured motorist, and personal umbrella strategy.
TravelersThe HartfordChubbPUREUmbrella Markets
Business package, GL and property
BOP, package, general liability, commercial property, inland marine, and umbrella for California businesses.
The HartfordTravelersMarkelAmTrustSimply BusinessWholesale / E&S
Workers compensation
California payroll, class codes, experience mods, contractors, office risks, healthcare, retail, and hard-to-place accounts.
ICW GroupAmTrustEMPLOYERSState FundWC Programs
EPLI, cyber, professional and specialty
Employment practices liability, cyber, management liability, professional liability, and niche commercial risks.
Tokio Marine HCCMarkelCyber / E&OMGA AccessE&S Specialty
How risks get routed
The goal is not to show the most logos. The goal is to reach the right market quickly and document why that route makes sense.
Step 1
Classify the risk
Line of business, geography, revenue, payroll, property details, claims history, and coverage need.
Step 2
Check admitted appetite
Standard admitted carriers are reviewed first when they can support the risk and terms.
Step 3
Use MGA or wholesale paths
Program administrators, specialty wholesalers, and E&S markets are considered for harder risks.
Step 4
Compare fit, not just price
Coverage wording, exclusions, financial strength, claims support, and required endorsements matter.
Admitted vs. E&S vs. MGA
Admitted markets
Carriers licensed and regulated in California. These are often preferred when appetite, terms, and pricing fit the risk.
E&S / surplus lines
Specialty markets used when admitted carriers decline, restrict, or cannot properly cover the exposure.
MGA and program markets
Specialized underwriting platforms that can access focused programs for certain classes, industries, or coverage lines.
Line of business market map
| Line | Representative market paths | Common use cases |
|---|---|---|
| Home insurance | Travelers, The Hartford, Chubb, PURE, FAIR Plan plus DIC, E&S property markets | Standard homes, wildfire zones, high-value homes, non-renewals, landlord risks |
| Auto and umbrella | Travelers, The Hartford, Chubb, PURE, personal umbrella markets | Household drivers, youthful drivers, high limits, umbrella layering |
| Business insurance | The Hartford, Travelers, Markel, AmTrust, Simply Business, MGA and wholesale markets | GL, BOP, commercial property, inland marine, package policies |
| Workers comp | ICW Group, AmTrust, EMPLOYERS, State Fund, specialty WC programs | Contractors, professional offices, healthcare, restaurants, retail, payroll growth |
| Commercial auto | Travelers, The Hartford, AmTrust, Markel, wholesale and program markets | Work trucks, service fleets, delivery, contractor autos, mixed vehicle schedules |
| EPLI, cyber and professional | Tokio Marine HCC, Markel, cyber/E&O, MGA and E&S specialty access | Employment claims, data breach, ransomware, professional services, management liability |
| Bonds and inland marine | Travelers, The Hartford, Markel, surety and inland marine specialty programs | Contractor bonds, license bonds, tools, equipment, property in transit |
Carrier names shown as representative market access and routing examples. Appointment, appetite, underwriting, and binding authority may vary.
Need to know where your risk fits?
Send the details once. Bollinsure will route it across the best available admitted, E&S, MGA, and specialty options.