Your client.
Your relationship.
Our solution.

Your client.
Your relationship.
Our solution.

Your client.
Your relationship.
Our solution.

When a risk falls outside State Farm's appetite, we place the coverage — while you stay the trusted advisor your client already knows. No competing. No cross-selling. Just a discreet partner in your corner.

When a risk falls outside State Farm's appetite, we place the coverage — while you stay the trusted advisor your client already knows. No competing. No cross-selling. Just a discreet partner in your corner.

Happy family
0%State Farm Covers
Happy family
0%State Farm Covers
Happy family
0%State Farm Covers

Why We Built This

I Grew Up in the State Farm World.

My dad was a State Farm agent for more than 30 years. I had a front-row seat to how seriously agents take their responsibility to their clients — and how much of their identity is tied to that trust. That environment shaped how I built this brokerage. I saw what happened when a risk couldn't be placed and an agent had to deliver bad news to someone who'd been their client for years. When we work with State Farm agents, our role is simple: place the coverage that falls outside State Farm's appetite while protecting the relationship you've spent years building.

How it Works

You send the referral

Email us the risk — client info, coverage need, and any supporting docs you have.

We review the risk

We assess appetite, markets, and options — typically within one business day.

We coordinate

efore contacting your client, we align with you on approach, timing, and messaging.

Coverage placed

We handle the hard placement. You stay the trusted advisor. Relationship protected.

Learn More

You send the referral

Email us the risk — client info, coverage need, and any supporting docs you have.

We review the risk

We assess appetite, markets, and options — typically within one business day.

We coordinate

efore contacting your client, we align with you on approach, timing, and messaging.

Coverage placed

We handle the hard placement. You stay the trusted advisor. Relationship protected.

Learn More

You send the referral

Email us the risk — client info, coverage need, and any supporting docs you have.

We review the risk

We assess appetite, markets, and options — typically within one business day.

We coordinate

efore contacting your client, we align with you on approach, timing, and messaging.

Coverage placed

We handle the hard placement. You stay the trusted advisor. Relationship protected.

Learn More

Out-of-Appetite Risks

The Cases You Can't Write. We Can.

  • Excess Umbrella

    Business owners, landlords, and high-net-worth clients who need limits well above a standard personal umbrella.

  • Short-Term Rentals

    Airbnb or VRBO use voids standard homeowners coverage. We place specialty STR and landlord policies.

  • Vacant & In-Between Properties

    Renovating, between tenants, or inherited — standard policies exclude vacancy after 30–60 days.

  • High-Value Homes

    Replacement cost exceeds standard limits. We access Chubb, PURE, and other high-value markets.

  • CA FAIR Plan + DIC

    Clients on the FAIR Plan are underinsured. We wrap it with a DIC policy that covers what's missing.

  • Wildfire-Exposed Homes

    Non-renewed or declined by State Farm — we place through surplus lines or FAIR Plan + DIC.

  • Excess Umbrella

    Business owners, landlords, and high-net-worth clients who need limits well above a standard personal umbrella.

  • Short-Term Rentals

    Airbnb or VRBO use voids standard homeowners coverage. We place specialty STR and landlord policies.

  • Vacant & In-Between Properties

    Renovating, between tenants, or inherited — standard policies exclude vacancy after 30–60 days.

  • High-Value Homes

    Replacement cost exceeds standard limits. We access Chubb, PURE, and other high-value markets.

  • CA FAIR Plan + DIC

    Clients on the FAIR Plan are underinsured. We wrap it with a DIC policy that covers what's missing.

  • Wildfire-Exposed Homes

    Non-renewed or declined by State Farm — we place through surplus lines or FAIR Plan + DIC.

  • Excess Umbrella

    Business owners, landlords, and high-net-worth clients who need limits well above a standard personal umbrella.

  • Short-Term Rentals

    Airbnb or VRBO use voids standard homeowners coverage. We place specialty STR and landlord policies.

  • Vacant & In-Between Properties

    Renovating, between tenants, or inherited — standard policies exclude vacancy after 30–60 days.

  • High-Value Homes

    Replacement cost exceeds standard limits. We access Chubb, PURE, and other high-value markets.

  • CA FAIR Plan + DIC

    Clients on the FAIR Plan are underinsured. We wrap it with a DIC policy that covers what's missing.

  • Wildfire-Exposed Homes

    Non-renewed or declined by State Farm — we place through surplus lines or FAIR Plan + DIC.

What Agents Are Saying

From Agents Who've Been There.

1-I had a long-term client facing non-renewal on their hillside home and nowhere to turn. Justin had a FAIR Plan + DIC solution in place within 48 hours. My client never felt abandoned — and they're still with me today.

1-Michael R.

1-State Farm Agent · Los Angeles, CA

1-I had a long-term client facing non-renewal on their hillside home and nowhere to turn. Justin had a FAIR Plan + DIC solution in place within 48 hours. My client never felt abandoned — and they're still with me today.

1-Michael R.

1-State Farm Agent · Los Angeles, CA

1-I had a long-term client facing non-renewal on their hillside home and nowhere to turn. Justin had a FAIR Plan + DIC solution in place within 48 hours. My client never felt abandoned — and they're still with me today.

1-Michael R.

1-State Farm Agent · Los Angeles, CA

Here to Support

The risks State Farm can't write. We can place them.

Ready to Send a Referral?

Let's Place It Together.

Send a Referral

Send a Referral

Send us the risk and we'll take it from there — keeping you in the loop every step of the way.