Uncertainty spells growth for the hard-to-place risk market

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Why independent E&S agents are poised for gains

The insurance market is undoubtedly hardening — exacerbated by the pandemic and resulting economic downturn. The good news for independent insurance agents is that this is driving the need for more flexible solutions from the E&S market that address a growing set of complex risks. Independent agents who offer these solutions are able to increase revenues, satisfy clients in need and capture more of the insurance market. Here’s why.


The pandemic has companies adapting to fill gaps in the economy, taking on the manufacture of products not typically theirs and repurposing buildings for a range of uses. Other businesses are rapidly scaling back or supporting a remote workforce. All these changes come with new exposure to risks they may not be covered for.
Independent E&S agents have access to flexible underwriting and are very well positioned to manage rapidly changing risks. As an independent agent you can evaluate, price and construct policies in a bespoke way to give clients terms that make sense for them, while securing premiums.


Independent agents are problem solvers. They approach the E&S market looking for specific coverages to address hard-to-place risks. This kind of specialization matters to clients who have businesses that are by nature hard to cover or that suddenly need additional coverage.

Having expertise in specific classes of risk, rather than in industry verticals opens up a big market of customers with elevated or atypical liability who need hard-to-write solutions the most.


Industries that have suffered losses in the past face an insult-to-injury situation. Finding the policies they need at the right price is challenging. Independent E&S agents have unique access to a wide range of top-rated products across multiple lines and are poised to help customers place a wide range of complex risks.

MacNeill has been in the business of hard-to-place risks for over 75 years, offering independent agents access to diverse admitted and E&S offerings with top-rated and exclusive carriers that help clients protect their assets — even in the toughest-to-insure markets. We can help agents get comfortable and be successful with E&S placements as we give agents Teams of Producer/Underwriters in Flood, Personal, Commercial and Transportation lines that are ready to help.

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