Commercial Lines

The Commercial Lines Department at MVGA is staffed with only the best underwriters in the business. Their knowledge and understanding of the unique risks you are trying to write makes them the perfect resource to your agency.

Our outstanding underwriting results have allowed us to secure top of the line markets and programs. Our carrier relationships also enable us to place many of the unusual or extremely difficult risks you may run into, where other MGA’s are unable to help. We are able to accommodate a variety of accounts from the small one day special event to the large manufacturing firm and of course, just about everything in between. Let us help you today!

Property & Casualty

The mainstay of commercial lines business!

Property and casualty exposures exist in virtually every commercial insurance customer you will work with. This is true because businesses are both producers and consumers of products and/or services, thus creating the exposures you need to help cover. Luckily you have Mid Valley General Agency to help you do this! We can offer many customizable products to your clients to fit their specific needs. For those accounts that fit a more standard set of criteria for a particular class of business, we have partnered with our carriers to offer select programs that have been designed specifically to fit the needs of your client.

We have the capacity and talents to cover commercial accounts large and small. Our strategic carrier partners have granted us in-house authority for thousands of classes of business as well as offering us access to brokerage facilities for the harder to place or larger accounts.

Quoting is easy!
We need only the Acord application to quote most risks. See our programs list for any supplemental applications that may be needed.

Professional Liability Products

Put simply: Professional liability coverages fill the gaps in the general liability coverage forms for professionals. There are a wide range of products and coverages available and we are proud to carry a full line of professional products which are written with one of the worlds best carriers. While the list of businesses needing professional liability is too large to list, we have noted our Product Lines below:

Product Lines:

  • Architects & Engineers
  • Employment Practices
  • Insurance Agents Errors and Omissions
  • Lawyers Professional Liability
  • Medical Legal Reimbursement
  • Medical Malpractice
  • Misc Errors and Omissions
  • Non Profit Directors and Officers
  • Products Liability
  • Specified Medical Professional
  • Tenant Discrimination

We also have the ability to add some general liability coverages to some of the products above which allows for only one policy to cover your clients completely!

Quoting is easy!
The completion of the product line specific application is usually all we need to get started. Please review application for additional items that will be requested.

For lines that are listed in bold, please click on them for applications. For all other applications on lines not in bold, please contact our office.

Excess/Umbrella

Excess/Umbrella policies are an important part of the overall protection plan your agency offers to its clients. It is vital that your clients understand the legal possibilities in this day and age and that you help safeguard their assets with the proper amount of coverages. That is why we place such a high emphasis on excess/umbrella policies.

We have multiple carriers available that can quote either a Following Form Excess quote or Umbrella quote. We are able to quote over our own underlying companies or underlying coverages from other carriers. Our standard in house authority limits are up to $5 million although we have the ability to obtain higher limits if needed.

Quoting is easy!
We need only an Acord application along with the loss runs (5 years preferred) and underlying policy information including limits, classes, and premiums.

Excess Liability is available over general liability coverages only. Umbrellas are available over Auto Liability, General Liability and Employers Liability.

Commercial Lines Underwriting Contacts

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