Commercial & Specialty Insurance Services
The Coverage Others Decline.
Vacant land and property, landlord policies, course of construction, event insurance, workers comp, and commercial auto — specialty placements quoted directly, not passed around.
Vacant Land Insurance
Empty Lot. Real Liability.
Vacant land insurance covers the owner’s liability when someone is injured on undeveloped property — trespassers included. Standard homeowner and commercial policies typically exclude parcels you hold separately, leaving the exposure uncovered. Coverage is inexpensive to place relative to the risk and quotes quickly: parcel location, acreage, and intended use are usually all the carrier needs.
Vacant Property Insurance
Coverage That Doesn’t Walk Out With the Tenant.
Most property policies restrict or void coverage once a building sits vacant — commonly after 30 to 60 days. Vacant property insurance restores protection for fire, vandalism, and liability during sales, renovations, or tenant turnover. Dean places these policies routinely, including flexible terms for owners who expect the vacancy to be temporary.
Landlord Insurance
Protect the Building and the Income.
Landlord insurance covers rental property owners for building damage, owner liability, and — depending on the form — loss of rental income after a covered claim shuts a unit down. It replaces, not duplicates, a homeowner policy: renting a property you once occupied without converting the coverage is one of the most common uninsured-loss mistakes owners make.
Course of Construction Insurance
Covered From Groundbreaking to Keys.
Course of construction (builder’s risk) insurance covers a structure while it is being built or renovated — materials on site, work in progress, and the partially completed building itself. Lenders require it before funding draws, and permanent property policies exclude construction exposure entirely. Policies are written to match the project timeline, from a 3-month renovation to a multi-year build.
Specialty Insurance Broker
If It’s Insurable, It’s Quotable.
Twenty years of specialty placements means the odd risk isn’t odd here. Describe it in one phone call and get a straight answer.
Event Insurance
One Day. Fully Insured.
Event insurance provides short-term liability coverage for a single event — and the certificate naming the venue as additional insured that nearly every venue contract demands. Policy and certificate can typically be turned around within 1 business day, so a signed venue agreement never waits on paperwork.
Workers Comp Insurance
Required by Law. Handled by One Call.
Nearly every state requires workers compensation once you have employees — many from the very first hire, even part-time — and requirements for contractor license classifications keep expanding requirements for contractor license classifications since 2023. Quotes are built from payroll and classification codes, and Dean matches carriers to your trade’s actual injury profile rather than a generic rate. Audits and renewals are handled by the same broker who placed the policy.
Commercial Auto Insurance
The Truck Works. So Should Its Policy.
Commercial auto insurance covers vehicles used in the business — liability, physical damage, and hired or non-owned exposure when employees drive personal cars for work. Personal auto policies routinely exclude business use, which turns a fender-bender on the way to a job site into an uncovered loss. Quotes need vehicles, drivers, and operating radius; most bind within 1 business day.
Specialty Coverage Questions
Unusual Risks. Usual Process.
Specialty placements raise practical questions: why other agencies decline them, how long quotes take, whether policies can join an existing business program, and what vacancy does to coverage mid-term. The five answers below cover the pattern — one phone call covers your specifics.
Volume agencies are built around standard risks — vacant buildings, builder’s risk, and high-hazard trades fall outside their carrier appetite, so the file gets declined rather than shopped. An independent broker works the specialty markets directly. Dean has placed these risks for over 20 years, which is why the practice lists them by name.
Place Your Coverage
Describe the Risk. Get the Quote.
Call with the property, project, or event details — or request a callback and Dean calls you, usually within minutes during business hours.