Underwriting / MGA Facilities

B&R General Agency underwrites property and casualty programs through "A"-rated insurance companies in California and the western United States. Here’s why you should consider us:

Uncommon flexibility, exactly when you need it

Long standing, excellent relationships with insurance companies. That’s how we were able to negotiate broad underwriting authority that other MGA's don’t have. This unique capability means that we can be as flexible as we need to be when considering your client’s risk. We don’t do cookie cutter underwriting, so if the risk makes sense, we’ll make it happen.

How our experience makes a difference for you

Our MGA business is staffed by senior professionals, not rookies. When you call us, you are talking to the decision maker in the process. As a result, you get meaningful insights and advice, faster turnaround times and the proper coverage for your client.

Your “first call” MGA

Forget testing the market with six different players – it’s a waste of time – time that few retailers have. Because we have negotiated limited distribution agreements and broad underwriting authority, you get great options and the great service you expect, right out of the gate.

How our MGA and wholesale businesses work together

Risks that just don’t fit in the MGA program can be redirected into Brown & Riding’s wholesale brokerage business. We offer you and your client real choices, even in tough to place classes, and guide you through the process.

Markets and Coverages

Target classes of business

  • Habitational (Apartments & SFD’s)
  • Products (Light / Medium)
  • OCP’s
  • Construction: Commercial/Residential
  • Retail Stores
  • Hotel / Motel
  • Lessors Risk Properties
  • Condominiums, Homeowners Associations, Town homes & Timeshares
  • Vacant Building
  • Vacant Land – including real estate development property

Markets

  • Aspen Insurance U.K. Limited

    • Rating: A XIII
    • Coverages: Primary General Liability
    • Limits: $1,000,000 / $2,000,000 / $2,000,000 General Liability
    • Minimum Premium: $1,000
    • Minimum Deductible: $1,000

  • Lloyds Underwriters/Beazley

    • Rating: A XV
    • Coverages: Property and Inland Marine
    • Limits: $1,000,000 Property and Inland Marine Combined
    • Minimum Premium: $1,000