In coastal, high wind, or unusual exposures we may not be able to place a risk with our admitted program. However, we won't automatically send you a rejection letter. We submit unusual and hard-to-place risks to our surplus lines program through Penn America Group.
Penn-America Group holds licenses and surplus lines qualifications in all 50 states and maintains A.M. Best "A" (excellent) ratings. They will write an entire package of insurance offering liability, property, auto, liquor, and umbrella so you don't have to piece out the risk to different carriers.