Can’t Find Coverage?
We Specialize in the Risks Others Won’t Take.

Standard Insurance carriers are built for standard risks. But not every person, property, or business fits a standard mold. If you’ve been turned down, non-renewed, or simply can’t find a carrier willing to write your policy, Insurance Connections is the Agency to call. Through our access to the excess and surplus lines market — as well as specialty carriers — we can find coverage for risks that most agents simply can’t place.


Vacant & Under-Renovation Property

A vacant home or a property under active renovation is considered high-risk by most standard carriers. We can quote coverage in all four states we serve, which specializes specifically in vacant and under-renovation property coverage. Whether your home is between tenants, listed for sale, or mid-renovation, we can protect it.

Builders Risk Insurance

For larger construction and renovation projects, we represent US Assure, a leading builders risk carrier available across all four of our licensed states. This coverage protects the structure and materials during the construction period — before a standard homeowners or commercial property policy can take effect.

Landlord Insurance

Owning rental property comes with unique risks that a standard homeowner policy simply doesn’t cover. We offer landlord insurance for single-family and multi-family non-owner-occupied properties across all four states. We shop around for you to find economical coverage for all landlord risks.

Excess & Surplus Lines

When a risk doesn’t qualify for standard markets — whether due to the type of business, claims history, property condition, or unusual operations — we access the excess and surplus lines market through licensed E&S brokers who shop multiple specialty carriers on your behalf. This gives you options and the ability to compare coverage and pricing, even for the most complex risks.

Examples of risks we have successfully placed:

  • Birdwatching and nature tour operators (Colorado)
  • Garage door installation companies
  • Dry cleaners
  • Pizzerias and restaurants
  • Roofing contractors
  • Carpenters and general contractors
  • Landscaping companies
  • Consultants and professional services
  • Consignment and resale stores
  • Beauty salons and barbershops (including building coverage)
  • Electric engine conversions for classic vehicles
  • Marketing Company
  • Sign Company
  • Consignment Store
  • Appliance Repair
  • Plumber
  • Electrician