Commercial Lines

COMMERCIAL LINES EXPERIENCE AND SUPPORT YOU CAN COUNT ON.

Every commercial risk comes with its own set of needs and challenges. OGA connects agents with standard, excess, and surplus lines markets while providing the underwriting knowledge, responsive communication, and practical guidance needed to evaluate available options for their clients.

Tips For Submission From Your Underwriter

We like to have a story. Tell us the why behind the submission. For example, who is the current carrier? Are they offering a renewal? If not, why not, and what is the target premium?

For contracting risks, please include a supplemental application. We also need projected annual sales, number of active owners, number of employees (excluding owners), estimated annual payroll, and whether subcontractors are used.

For property coverage, always include the building’s occupancy and the type of operations taking place so we can properly rate each building.

Target Classes And Additional Target Classes

Frequently Asked Questions

Do you offer direct bill?

It depends on the carrier. Usually on admitted business we can offer direct bill but not for excess and surplus lines. That is usually agency bill.

Is there a minimum earned premium?

Excess and surplus lines markets normally always have a minimum earned premium and if it’s an annual policy term, it’s usually 25%.

Is this quote still valid?

Most are valid 30 days but some are 60.