INVO Underwriting

Commercial Division

Commercial Specialty

E&S, habitational, hospitality and tough classes

Find a market Submit to an underwriter

Excess and surplus lines capacity for habitational, hospitality, contractors, vacant property, special events and classes declined by standard markets.

Commercial Specialty risks written by INVO Underwriting

What we write

Appetite at a glance

  • Habitational — apartments, condo associations and mixed-use
  • Hospitality — bars, taverns, restaurants and event venues
  • Contractors including roofing and other tough trades
  • Vacant buildings, builders risk and property in renovation
  • Special events, excess liability and monoline property

Usually handled elsewhere

  • Small Main Street risks that bind digitally — Commercial Digital
  • Personal residential property — Personal Lines Digital
  • Trucking fleets — Transportation

Pathways

How to place business in this division

Every INVO division supports at least one clear path to a quote.

Submit to specialty

Specialty underwriters market your account across our E&S panel.

Submit to an Underwriter

Selected digital classes

Some specialty classes are bindable online through partner platforms.

Find a Market
  • Habitational and hospitality
  • Vacant and builders risk
  • Excess liability

Markets

Sample markets in this division

Live carrier appetite records routed to this division.

Cyber Liability

All states

Submit to underwriterCyber

For cyber liability, ransomware, privacy, and data breach needs.

Required: 3-5 years loss runs or no-loss letter, INVO Cyber Supplemental Application

Submit account

Commercial Specialty EPLI

All states

Submit to underwriterEPLI

For monoline EPLI or employment practices risks outside staffing.

Required: Employment Practices Liability application, Current employee count, Prior claims/loss information, Coverage limits requested

Submit account

Artisan Contractors

All states

Submit to underwriterGeneral LiabilityInland MarineUmbrella/Excess

For artisan and trade contractors such as painters, plumbers, electricians, and similar classes.

Submit account

Restaurants / Bars / Taverns

All states

Submit to underwriterGeneral LiabilityPropertyLiquor Liability

For restaurant, bar, tavern, café, deli, and food-service accounts.

Submit account

Lessor Risk / LRO

All states

Submit to underwriterGeneral LiabilityPropertyLessor's Risk

Commercial Specialty specific tile for Lessor’s Risk Only / LRO and related commercial property/premises risks.

Submit account

Habitational / Lessors Risk

All states

Submit to underwriterGeneral LiabilityPropertyUmbrella/Excess

For apartments, multifamily, and habitational/LRO risks.

Submit account
Search the full marketplace

Submission requirements

What to send with a submission

Complete submissions are quoted first. Missing documents are the most common cause of delay.

  • ACORD 125 / 126
  • Statement of values
  • Loss runs (3–5 years)

Send it to Commercial Specialty Underwriting

Typical response time: 48 business hours.

Start a submissionTalk to our team

Questions

Commercial Specialty FAQ

The questions agents ask most before sending an account.

Still unsure? Ask an underwriter.

Other divisions

Placing something else?

Each division owns its classes end to end.

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