Recent News

April 11, 2024

3 Perks of the Select Policy

Save Your Clients Money on Manufactured Homes 20 Years & Older Key Takeaway: Coverage A, including wind and hail Actual cash value (ACV) at pay out Older home = Greater savings Age has its advantages! For clients looking to save money on their older manufactured homes, particularly those 20 years or older, a Select Policy offers unique advantages: […]

March 7, 2024

UPDATE: Florida Markets Now Reopened

Binding Resumes for New Coastal Manufactured Home Business in Florida Effective immediately, Aspera will resume binding new coastal manufactured home business in all Florida counties, with the exception of Miami-Dade, Palm Beach, Broward, and Monroe counties. Review our full list of open and closed markets. Aspera specializes in insurance solutions for factory-built homes along the Atlantic and Gulf Coasts. We have access […]

March 7, 2024

Flexible Coverage for Manufactured Homeowners

Your clients can chose from Select, Preferred, and Wind & Hail Only Policies Key Takeaway: Coverage options your coastal manufactured home clients need at the price they want Your clients have access to insure their coastal manufactured homes through Aspera, including: Select, Preferred, or Wind and Hail policies. When your clients are looking to save money for their older […]

March 7, 2024

Insurance for Coastal Manufactured Homeowners

Tailored Insurance Coverage for Coastal Manufactured Homes Aspera specializes in providing insurance solutions, including wind/hail, for manufactured homes along the Atlantic and Gulf Coasts. We have had access to affordable rates, no coastal limitations within our open markets, and multiple coverage options for more than 10 years. Use our Coastal Manufactured Housing video to see what solutions Aspera can offer your clients and our Open/Closed […]

October 3, 2023

E&S Trends to Grow Your Book

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September 11, 2023

D&O Solutions for Hard-to-Insure Businesses

Solutions for Directors & Officers Tailored to Hard-to-Insure Classes For cannabis and other non-traditional lines of business, finding the right Directors & Officers coverage can be extremely difficult. During a networking event, an agent appointed with Aspera met a businessman in the final stages of raising capital for his latest business venture – a seed-to-sale cannabis company […]

September 11, 2023

Aspera’s Solutions for Fall Entertainment

Solutions for Fall Fun from Aspera Fun seems to be around every corner as the seasons change, whether navigating a corn maze, picking pumpkins at a pumpkin patch, or preparing for the holidays with family. When these autumn businesses have difficulty finding insurance, they’ve got spookier things to worry about than Halloween! Luckily, Aspera can find solutions for accounts with […]

August 30, 2023

Construction industry a vibrant but challenging market for agents in Nevada

By Kyle Flynn Recent population growth has created a construction boom in Nevada over the past couple of years – Nevada’s population grew 12.68%, making it the fifth-highest in the U.S. in 2022. A growing population means more demand for new construction of residential homes, commercial buildings, and infrastructure like hospitals and schools. In a […]

August 30, 2023

Updated Claims Process

In order to better serve our policyholders following Hurricane Idalia, Kinsale’s Claims departments has updated the manner it processes claims. The Claims Process All claims should be reported by the insured – by calling Kinsale at (804) 289-1394, press “9” when prompted; The insured can also report the claim by sending an email to newclaimnotices@kinsaleins.com. […]

August 28, 2023

Telemedicine Professional Liability through Aspera

Aspera’s Experience with Your Telemedicine Accounts Many carriers are rushing to add coverage options for virtual care in their medical-related policies in response to providers and patients adopting telemedicine visits. When seeking coverage for your telehealth accounts, make sure you use a broker that knows which markets have telehealth experience and delivers expert solutions. Aspera has had access to coverage […]

August 21, 2023

Combine Product Recall with General Liability

Pair Product Recall with Life Sciences for Customized Coverage Aspera has access to stand-alone Product Recall solutions that can complement coverage in other specialty areas, like Life Sciences. Receive quick quotes for General Liability, Products Liability, and Recall Expense & Liability for accounts such as: Cannabis products Blood and tissue banks Pharmaceuticals Nutraceuticals Medical devices We can offer up to $10M […]

August 14, 2023

Excess Liability Solutions for General Casualty Accounts

More than Just GL – Aspera Offers Excess for Premises Accounts Our email from earlier this month shared details on how to receive fast solutions for your lessor’s risk only (LRO) accounts. Finding excess coverage for your LRO accounts is no different. Aspera’s access to excess liability coverage for premises risks remains consistent, as other wholesalers struggle to deliver quotes from […]

August 7, 2023

Mining risk solutions with Aspera

Solutions for Mining Risks with Aspera’s Energy Solutions It’s become more difficult for retail agents to find coverage for mining accounts as underwriting guidelines have tightened across the industry. Aspera doesn’t shy away from mining risks. We can find coverage for both above-ground and underground operations for coal, minerals, and metals, as well as onsite contractors. Recently, we saw a mining equipment […]

July 24, 2023

A home for high-risk LRO accounts

High-Risk Tenants? No Problem. Aspera’s Solutions for LRO Accounts It’s becoming harder for retail agents to find coverage for lessor’s risk only (LRO) accounts with high-risk tenants like cannabis, electronics manufacturers, and medical offices. Aspera has a proven track record providing creative, expert solutions for LRO accounts. Our team has experience helping craft coverage for many kinds of […]

July 17, 2023

Education & religion risks at Aspera

General Liability for Education & Religion: Schools, Daycares, and Houses of Worship It can be difficult to find insurance for childcare, education, and religious organizations, despite the value they provide to their communities. Aspera delivers up to $2M primary liability limits and a variety of sublimit options, including abuse & molestation sublimits, for your education and religious organization […]

July 10, 2023

NEW: Discontinued Construction Operations

Discontinued Construction Operations Now Through Aspera Commercial Coverage for discontinued construction operations is now available through Aspera. Our new options for discontinued operations can help trade contractors and subcontractors who are ceasing operations, retiring, or selling the assets of their businesses. We can assist on proactive submissions for accounts that plan to discontinue operations at a future date. Policy Details: Products/Completed Operations Liability […]

June 26, 2023

Fine Arts and Jewelers Block

Fine Arts and Jewelers Block: Inland Marine through Aspera Find solutions for your Inland Marine clients for a wide variety of needs, including fine arts and jewelry, with Aspera. Aspera can help with tough-to-insure accounts with up to $1M in limits for jewelers block for classes like: Your dealers and floaters for fine arts accounts are in safe […]

June 19, 2023

Miscellaneous Medical Coverage through Aspera

Custom, Quick Solutions for Miscellaneous Medical Risks Aspera finds insurance solutions for a wide variety of miscellaneous medical risks, like med spas, pharmacies, medical labs, and more. Our broad appetite for Allied Health risks includes accounts with a mix of operations, like a med spa offering primary care, chiropractic, hydration therapy, cryotherapy, and cosmetic injections at multiple locations […]

June 15, 2023

Navigating a Challenging Residential and Long-Term Care Market

As much of the country moves on from COVID, the risks in the residential care market haven’t disappeared The residential and long-term care (LTC) market was hardening leading into the new decade, even before the coronavirus outbreak in early 2020 caught the world completely unprepared. As COVID-19 disrupted the world, some of the hardest-hit populations […]

June 12, 2023

NEW: Aviation Excess & Quota Share

Aviation’s New Excess & Quota Share Air Operations Solutions: Hull & Liability Aspera now has access to excess and quota share solutions for air operations risks, including aircraft hull and liability coverage. Our Air Operations appetite targets hard-to-insure general aviation risks, including private business, recreational, commercial, and flying clubs, with limits up to $5M for liability and $2M for hull coverage. You can receive excess or quota […]

June 5, 2023

9 Savvy Tips to Build Your Book

1. Find your niche With as many options for insurance agents as consumers have, it’s hard for consumers to differentiate – what makes one agent better than another? Find a niche and make it yours. This will set you apart from other agencies and give you an identity, helping consumers distinguish you from your competition. […]

June 5, 2023

Experts Issue 2023 Hurricane Forecasts

Help Clients Prepare Today for the 2023 Atlantic Hurricane Season As weather experts release 2023 hurricane forecasts, now is a great time to prepare your clients whose business picks up as severe weather increases. Environmental and construction contractors may get busy during hurricane season – disaster response, remediation, and restoration service companies need to be ready to perform cleanup […]

May 18, 2023

Grow Your Book with E&S Business

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May 16, 2023

Solutions from Firearms Businesses

Aspera Finds Firearms Solutions that Fit Some carriers and wholesalers have removed firearms risks from their appetites, but Aspera’s appetite for businesses related to manufacturing, distributing, and training of firearms remains constant. We have the expertise and creativity to help tailor coverage that fits your firearms accounts. Aspera’s Commercial team can find solutions for Firearms risks that fall under Entertainment or Products Liability, including: Aspera makes your hard-to-insure firearms clients easy […]

May 9, 2023

Solutions for Summer Special Events

Solutions with Speed for Summer-Specific Accounts Summer should be a time of fun and freedom, but for some summer-centric activities, finding insurance can put them under a stressful time crunch. Aspera Commercial targets Entertainment risks with higher activity in the summer and offers quick quote turnaround to satisfy you and your clients. We take a creative approach and personalized service to find solutions […]

April 25, 2023

Video: Aspera’s Construction Appetite

For High-Hazard Construction Risks, Find Coverage that Protects Your Accounts When unexpected risks impact your Construction clients, Aspera is here to help. When a construction team replacing a roof was caught by surprise in a thunderstorm, they didn’t have time to tarp the roof before the rain began! Due to an open roof sublimit, the company’s insurance policy did […]

April 24, 2023

Cannabis Coverage from Seed to Sale

From Seed to Sale: Cannabis Solutions with Expertise The complexity of the cannabis industry can cause producers to turn away marijuana-related business (MRB) accounts. As more states legalize cannabis use, you can take advantage of this growing niche with the help of an experienced wholesaler, like Aspera. Aspera has placed cannabis accounts for years and understands the Commercial General […]

April 13, 2023

Aspera offers wind and hail coverage

A Variety of Options, Same Great Coverage Many agents are accessing tailored coverage for manufactured homes along the coast through Aspera. Aspera can help when others won’t offer coverage or have too many restrictions for your clients’ needs. We have several different coverage options to fit a variety of budgets, and each one includes wind and hail coverage! Learn more […]

April 5, 2023

Restoration Contractor Coverage through Aspera

Spring Showers Bring May Flowers… and Flooding – Find Coverage for Water Restoration and Waterproofing Businesses Demand for water restoration contractors increases as the rains of spring approach, and those same contractors may turn to you for their insurance needs. Aspera can help many kinds of businesses that mark the rainy season as their busiest time of year, […]

April 5, 2023

Find the right manufactured home coverage

Don’t Let Your Clients Underinsure – Help Them Insure to Value with Aspera Inflation is a hot-button issue and affects everything from items on your grocery bill to building materials. Inflation has drastically raised the cost of materials and labor, which could lead to underinsured manufactured home clients! For every new manufactured home account you submit to Aspera, our […]

March 28, 2023

New: Truckers’ General Liability

Truckers General Liability Through Aspera Commercial Aspera Commercial can now access Truckers’ General Liability! We can find solutions for small-to-midsize fleets and automotive businesses with low minimum premiums and creatively crafted coverage for each account. Your clients can receive up to $1M in primary limits. We can also increase capacity up to $5M for accounts that need additional coverage. Minimum premiums start at […]

March 21, 2023

Public Official Liability through Aspera

Public Official Liability Through Aspera Commercial Aspera’s Commercial appetite includes Public Official Liability for small-to-midsize boroughs, cities, counties, towns, and villages serving populations of 100,000 or less. We can also find solutions for commissions, parks and recreation departments, special boards, special districts, water and sewer districts, and other types of public entity risks. We can access both stand-alone Public […]

March 15, 2023

Aspera could help where the admitted market cannot

Accounts Declined by the Admitted Market? Aspera is Here to Help When it comes to insuring manufactured homes, the admitted market is selective with its appetite. When a carrier declines to insure your clients’ home, your clients need your experience to find a new solution. Our multiple coverage options could be the solution you need. Aspera specializes in tailored insurance […]

March 7, 2023

Solutions for Spring Special Events

Solutions with Speed for Spring-Specific Accounts Spring is a popular time for fairs, festivals, and other outdoor activities. Aspera can help you find coverage for your time-sensitive accounts in a timely manner. Recently, we helped craft coverage for a new jet ski rental company. We found tailored coverage for the new business in time to […]

March 3, 2023

New: Excess Motor Truck Cargo

Excess Motor Truck Cargo Now Available Through Aspera Commercial Aspera now has access to Excess Motor Truck Cargo solutions, with options for a wide variety of hard-to-insure accounts! We can find Excess Motor Truck Cargo as an extra layer over primary coverage with up to $500,000 in capacity. Aspera is proud to access one of the first domestic solutions in […]

February 14, 2023

Aspera’s solutions are fast and flexible

Fast Solutions for Hard-to-Place Risks, Like Allied Health or Excess Professional It’s not uncommon for you to receive requests for coverage within days of expiration or for mid-term policy changes. When your clients need solutions quickly, Aspera works hard to find the coverage your clients need exactly when they need it. Our Commercial Lines team uses its wealth of experience […]

February 7, 2023

Coverage for hard-to-insure miscellaneous professionals

Aspera’s Professional Liability Appetite Targets Miscellaneous Professional Classes Some insurance professionals may overlook classes of business that don’t fit into any particular category. Yet, these miscellaneous risks experience the same challenges other businesses face, like difficult claim histories or gaps in coverage. Aspera is committed to finding solutions that fit the wide-ranging Miscellaneous Professional class with the creatively crafted coverage […]

January 31, 2023

Looking Forward, Looking Back: Aspera’s 2022 in Review

Preparing for a Successful 2023 With 2022’s Insight First and foremost, thank you for all your hard work. Our teams appreciates the agency relationships that contributed to Aspera’s continued success. We want you to know that we value your continued partnership with us to best serve your clients. We promise to always deliver on the […]

January 24, 2023

Reviewing Aspera’s 2022 Growth and Surging Ahead

2022 Planted the Seeds – Grow with Us in 2023 The Aspera team appreciates the agency relationships that contributed to another fantastic year for Aspera – thank you! We recognize you place trust in us with each submission – trust that we will find the appropriate coverage, that we will present full account details from […]

January 19, 2023

Aspera introduces Media Liability

New Media Liability Offerings Available Through Aspera Aspera has access to Media Liability coverage, with options for a wide variety of hard to insure small-to-midsize media clients! We can mix and match any or all of the following Media Liability products to fit the needs of your media accounts. Target Classes: Advertising and marketing companies Bloggers and vloggers Broadcast media […]

January 17, 2023

Receive a Fast and Accurate Quote Following These 4 Tips

At Aspera, we have a reputation for delivering quick quotes and providing excellent service to our agents. However, there are always ways you can help us turn around quotes even quicker. Here are four tips you can follow when submitting businesses to help us return accurate quotes to you as quickly as possible: 1. Provide […]

January 12, 2023

Aspera has access for Marine Contractor risks

General Liability Available for Marine Contractors and Marine Risks Aspera can place General Liability insurance for various marine risks, including marine contractors. Highlights include: Occurrence basis of coverage Up to 100% offshore exposure Target classes: Blue and brown water exposures Consultants Diving contractors Marina operators Shipyard contractors and ship repairers Stevedores In addition to having access to a […]

December 15, 2022

5 Best Reads for Insurance Professionals

As the world changes, so does insurance, so it’s important for professionals in our industry to constantly keep up on what’s happening that might affect their business. One great way to stay informed is to pick up some light reading in the insurance genre, whether that be a book, a magazine, or a blog. Here […]

December 13, 2022

Aspera’s Winter Wonderland Incentive

There’s ‘snow’ place like Aspera for insurance! Win great prizes through Aspera’s Winter Wonderland Incentive. Your agency can receive prizes by submitting commercial applications from January 1 – January 31, 2023. Aspera Insurance Services Inc. will award prizes for applications submitted, not bound. Polar Bear Status Yeti Status Agencies that submit 15 applications can receive […]

December 6, 2022

Habitational accounts have a home with Aspera

Habitational GL and Excess: Options for Difficult Venues, Large Losses The rise in interest rates impacts housing prices, which in turn increases demand for apartments and other rental options. The demand for apartments, increases the demand for insurance from owners of all types of multi-family housing – student housing, senior living, subsidized housing, and the general market. […]

November 18, 2022

Options for Allied Health at Aspera

New Venture? No Problem Aspera’s Allied Health Solutions Upheaval can occur when a health care facility changes ownership – new licensures required, facility certifications, and even consideration as a new venture by insurance companies. This can lead to being denied by the standard market or non-renewed by a current carrier, creating problems for the insured and their retail agent. […]

November 15, 2022

Aspera offers D&O solutions for cannabis businesses

Cannabis Coverage from Seed to Sale Including Directors & Officers During a chamber of commerce networking event, an agent appointed with Aspera met a business owner in the final stages of raising capital for his latest business venture. As a condition of closing on the funding, the owner would need to find D&O coverage. D&O coverage is normally […]

November 10, 2022

Discover the Aspera advantage

Quick Quotes, Stellar Service, and Broad Appetite – That’s the Aspera Advantage Is your agency getting the most out of your E&S wholesale brokerage appointments? Are you looking for an E&S broker that can help you stand out by responding to your clients quickly and building a broad book of business? In addition to having access to a broad appetite to serve […]

November 9, 2022

Product Recall coverage available through Aspera

Aspera Offers Product Recall Coverage – Both Primary and Excess Aspera offers Product Recall coverage for Life Sciences and General Products sector consumable, commercial, and consumer goods to fit a wide range of small-to-midsize manufacturers and importers with $100K to $500M revenue. Aspera specializes in finding solutions for hard-to-place Product Recall accounts and can offer unique coverages tailored to emerging […]

October 25, 2022

Aspera’s swift solutions for Small Property risks

Small Property Solutions with Short Turnaround Times It can often be difficult to find insurance solutions for Small Property accounts, especially for risks in difficult venues or with large losses, but Aspera makes the hard-to-insure easy to please. Recently, a retail agent submitted an account for a locksmithing business in coastal Florida who needed coverage for their office buildings. In […]

October 19, 2022

Account Wins

Aspera’s Account Wins You’ve seen our appetite. We’ve shared our stories. You’ve read testimonials. Now you can stay up to date each month on our recent wins. Second Quarter 2023 Aspera helps you find solutions for your clients efficiently with tailored terms and pricing. We return nearly 75% of quotes in 48 hours or […]

October 10, 2022

Serving Education & Religious Organizations with GL coverage

Non-profits have a mission to serve others Aspera aims to meet their level of service Non-profit organizations are known for the unique service they provide their communities. Similarly, Aspera stands out from other brokers for our exemplary service for your hard-to-insure accounts, including accounts for non-profits. Our Commercial team received a submission for an educational organization that operated multiple facilities and […]

October 7, 2022

How Much Is Commercial Insurance?

Insurance is a product owned by most, if not all, businesses, yet it’s one many business owners know very little about, even if they’ve gone through the process of obtaining a policy. So much happens behind the scenes, it may feel like a complete mystery even to an experienced consumer. Shopping around for an affordable […]

October 6, 2022

Trampoline endorsements available through Aspera

Aspera Offers Trampoline Endorsements So Your Clients Can Flip without Fear Aspera specializes in tailored insurance solutions for factory-built homes situated along the Atlantic and Gulf Coasts, including coverage for additional property like golf carts, pools, and trampolines. Recently, we helped a couple who purchased a trampoline for their children as a reward for making honor roll. Their insurance company canceled the […]

September 26, 2022

8 Great Reasons to Work with Aspera

To access the E&S market, many insurance professionals needs the help of a wholesale broker, and there are quite a few to choose from. For commercial property and casualty risks or coastal manufactured home insurance, Aspera should be your first point of contact. Here’s eight great reasons why: 1. Fast Aspera responds to your questions […]

September 21, 2022

Grow Your Book with E&S Business

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July 25, 2022

Commercial Lines Appetite Infographic

Struggling with hard-to-insure commercial risks? We can help.

July 13, 2022

Construction industry a vibrant but challenging market

Construction has been booming in the United States over the past decade as the nation continues to grow. In fact, construction is among the top industries in, hitting an annual spending rate of $1.365 trillion in 2019, according to the Census Bureau, and earning another trillion in federal funding last fall for infrastructure. Constituting approximately […]

July 11, 2022

Make a Splash with Coverage for Summer Events with Aspera’s Entertainment Appetite

Aspera has an appetite for classes with higher activity in the summer, such as: Local and state fairs Outdoor festivals and special events (e.g., 4th of July, food and beer, cannabis, flowers, etc.) Car and motorcycle shows and rallies Beach rentals Jet ski and boat rentals Campgrounds and RV parks Beach clubs and pools When summer’s over, […]

July 1, 2022

Today’s manufactured housing communities aren’t what you think

When you hear about manufactured housing communities, you probably picture a trailer park alongside the highway. Despite what you might think, manufactured homes aren’t mobile, and they look nothing like what you might imagine. The term “manufactured home” describes houses built entirely in factories after 1976, when HUD established the Manufactured Home Construction and Safety […]

May 11, 2022

We Deliver Solutions to Construction Businesses for 200+ Classes (Video)

It can be challenging to build the right coverage for construction clients. Aspera has both the experience with – and access to – solutions that can turn quotes around quickly for your clients and matches the same level of exceptional service you give to your clients. General contracting accounts come with a unique set of […]

May 3, 2022

Hurricane Season

Aspera Insurance Services offers personal insurance for your coastal factory-built or modular home, with coverage tailored for your specific needs. Storm-related risks are always increased during the hurricane season (June 1-November 30th), but hurricanes have been known to form outside of this time frame. In 2021, the U.S. saw a total of seven hurricanes, four […]

April 20, 2022

Aspera’s Access to Cannabis Insurance Solutions (Video)

The cannabis industry continues to grow and develop in new and unique ways, as legislation changes and demand increases. The changes and developments can make it difficult to know what might be classified as a marijuana-related business (MRB) and therefore will require cannabis-specific insurance coverage. Growers, processors, and dispensaries are easy to identify as […]

March 25, 2022

Coastal Manufactured Housing Infographic

Download our infographic now to discover our available solutions for coastal manufactured housing! Aspera makes the hard-to-insure easy to please.

March 8, 2022

Tailored Insurance Coverage for Coastal Factory-Built Homes

Aspera specializes in coverage for your hard-to-insure coastal manufactured homeowners. In addition to exceptional coverage your clients want, Aspera offers you: Instant Quotes – with online quoting Fast Response to your inquiries – within three hours Competitive Compensation – up to 12.5% commission on new accounts We can find coverage for: Factory built coastal housing Owner-occupied homes, including seasonal […]

March 1, 2022

Delivering More Coverage Options for Health Care Practitioners

You expect lower premiums for your responsible clients, especially those with a loss free history. A Florida agent decided to shop around the policy for a longtime dentist client, particularly since the dentist had not reported a claim in 5 years. After talking with the agent, Aspera’s broker learned about the dentist’s specific needs and developed a clear understanding of current […]

February 23, 2022

Latest Commercial Lines Updates Coming in 2022

The Aspera team appreciates our agency partnerships that contributed to Aspera’s record breaking year in 2021! Thank you. Aspera recognizes you place trust in us with each submission – trust that we will find the appropriate coverage, trust that we will present full account details for the carrier to review, and trust that we will respond in a […]

February 16, 2022

Get Ready for a Successful Year with Aspera

February is a good time to get your agency ready for the busy Spring and Summer home buying season, and we have some tips and tools you can use. Aspera changed the requirements for the Preferred coverage form: Homes insured under the Preferred coverage form now need to be insured to value. If your clients prefer to insure their home to actual […]

February 8, 2022

Coverage for Entertainment Accounts Doesn’t have to be a Risky Business

Entertainment accounts should be fun to place. When those fun accounts become hard-to-place, Aspera can help – we specialize in making hard-to-insure Entertainment accounts easy to please. An agent learned how difficult jet ski accounts are to place, then she turned to Aspera to help. Aspera didn’t take the easy path for turning away the account. Instead, our Commercial […]

February 1, 2022

Transportation is Fast, but Aspera is Faster!

Moving companies use their unparalleled service to ensure positive experiences for their customers. That service can start with Aspera. An agent sent Aspera a submission for a new residential moving company, moving personal items for residential homes. The insured needed coverage quickly due to their new business venture status. The tight timeline didn’t deter Aspera; our Commercial team […]

January 25, 2022

Now is the Time to Prepare for the 2022 Atlantic Hurricane Season

A Washington Post article, “The sixth straight busier-than-normal Atlantic hurricane season is over,” reiterates the importance of home insurance for your clients located along the Gulf and Atlantic coasts. The season’s 21 named storms, which used all the names on the National Hurricane Center’s list, are the third most on record. As has been the case over recent […]

January 12, 2022

Cannabis Infographic

Aspera has access to insurance for the cannabis industry: everything from seed to sale. Download our infographic now to explore our seed to sale coverage for hard-to-insure Tier I and II cannabis- and marijuana-related businesses (MRBs).

January 11, 2022

Expanded Hard-to-Insure Appetite for Businesses that Service Automobiles

Aspera is thrilled to introduce access to Non-Dealer’s Garage Liability and Garagekeepers coverage! Just like your clients who service automobiles, service is how Aspera stands out from other brokers. Aspera provides quick responses and quotes to your hard-to-insure accounts. Aspera’s commercial underwriters specialize in practical solutions for your clients. Learn more about our access to Non-Dealer’s Garage Liability and how Aspera […]

December 2, 2021

Introducing Aspera’s New Select Policy for Manufactured Homes

When your clients are looking to save money on an insurance policy through Aspera for their older manufactured homes, Aspera has a great, new solution – the Select policy! Our exclusive insurer partnership provides Aspera with a new Select policy, offering reliable Coverage A for manufactured homes including wind and hail, with actual cash value […]

November 4, 2021

When a Carrier Left the Market, Aspera quickly stepped in to help!

Last year, many hospitality businesses across the U.S. received notification that their carrier was leaving the hospitality market completely. This decision impacted both a small boutique hotel located in a historic downtown tourism district and the hotel’s agent, a captive agent affiliated with the carrier. The agent began researching policy options for his hotel client and […]

October 18, 2021

3rd Annual Season of Giving Incentive

Win great prizes through Aspera’s Season of Giving Incentive! Your agency can cross off items on your Holiday Wish list by submitting commercial applications from October 25 – November 21, 2021. Aspera Insurance will award prizes based on applications submitted, not bound. Kris Kringle Status Agencies that submit 15 applications can receive a choice of: […]

October 14, 2021

Poor loss history clients can still get great rates with Aspera’s General Casualty coverage

After Condominium Owners Association (COA) improved its loss history, it still had trouble finding the insurance coverage it needed at a price it wanted. In addition to condo units, the COA included a swimming pool, ample parking, office space, and a commercial shopping center. After several frustrating years paying high premiums for inadequate coverage, the […]

October 6, 2021

Aspera Offers Great Home Coverage: So great, your clients – and their kids – can flip!

Parents purchased their children a trampoline for their backyard as a reward for making honor roll. Their insurance company canceled the homeowner’s policy when it learned of the new purchase. The clients’ agent contacted Aspera to learn about our coverage restrictions. Aspera can endorse a policy for trampoline liability when homeowners provide photos of the trampoline showing a […]

September 29, 2021

Employment Practices Liability (EPL): Including Cannabis-related Accounts

Management Liability accounts are part of Aspera’s appetite, which was on display when we helped find coverage for a video production company. As the firm continued to grow, it recognized a need for Employment Practice Liability (EPL) insurance. However, the agent had trouble finding EPL coverage for his client – the account was outside the appetite of most markets and the agent […]

September 14, 2021

No Coastal Limitations with Broad Coverage and Competitive Rates

A homeowner recently moved closer to the coast after years of living in the city. They were glad they could stay with the same insurance agent and carrier they had used for years. The homeowners were shocked to see their premium had doubled. The agent explained their claim history and new home’s coastal location were reasons for the […]

September 1, 2021

Coverage for Start-Up Fertilizer Company: Just in time to help the company grow

An agent never expected to have trouble finding coverage for her client that specializes in the fertilizer manufacturing and distribution. Even though the client was a new venture with $50,000 in annual sales, she didn’t think it was a hard-to-insure client. Carriers, though, were hesitant to offer coverage when they learned the fertilizer company’s customers were in […]

August 24, 2021

Broader Coverage Without Sublimits and Unparalleled Service

When unexpected summer storms impact your clients, Aspera is ready to help. Last summer, a thunderstorm passed over a home, surprising a roofing company that was replacing a roof. The storm developed quickly and they had little time to finish tarping the roof before the rain began. Even though the appropriate steps had been taken to mitigate […]

August 18, 2021

2021 Atlantic Hurricane Outlook Update: Tips to Prepare for Storms, Before They Arrive

The National Oceanic and Atmospheric Administration (NOAA) Climate Prediction Center updated its outlook for the 2021 Atlantic hurricane season on August 4, 2021. NOAA predicts 15-21 named storms, of which 7-10 will be hurricanes, including 3-5 becoming major hurricanes. Earlier in the season, NOAA’s initial forecast predicted 13 to 20 named storms, of which 6 to 10 could […]

August 6, 2021

Summer Pop-Up Incentive

Win gift cards through Aspera’s Pop-Up Incentive Aspera is running a two week pop-up incentive to give away gift cards up to $200 from Best Buy, Dick’s Sporting Goods, and Target! Aspera will award gift cards for applications your agency submits between Monday, August 16 – Sunday, August 29, 2021 Agencies that submit 6 applications […]

August 3, 2021

Personal Property Replacement Costs: Include RCV in your quotes with Aspera

Aspera surprised a newly appointed agency when one of our Underwriters reviewed the agency’s first policy quote. The agent wasn’t expecting to see replacement cost, up to the dwelling limit on a total loss claim. Other carriers were calculating actual cash value on the total loss. Learn more about our policy types, deductible offerings, and coverage options with Aspera […]

July 29, 2021

Gyms can be a Risky Business: Aspera can find General Liability Coverage

Gyms and fitness centers are filled with insurance risks – heavy equipment, bodies in motion, and slippery surfaces. Insurers factor in these high risk policies. However, there are times a business’ loss history makes a hard-to-insure risk even harder-to-place. This was the case when a fitness center and spa was non-renewed after carbon monoxide poisoned […]

July 20, 2021

Health Care Coverage Solutions: Aspera Finds Coverage for Clients with Claim or Loss Histories

Aspera specializes in hard-to-insure risks – the ones the standard market doesn’t want to insure. When the standard market deems your client too risky, Aspera uses experience to find a customized policy. For example, we recently helped an agent find coverage for a Certified Registered Nurse Anesthetist, who maintained a clean license. After the CRNA experienced […]

July 13, 2021

Aspera Knows that Pets are Family: We Won’t Restrict a Pet Based on its Breed

Pets are inseparable members of many families – unfortunately not all standard market carriers agree. Aspera understands the importance of pets have in our lives and in our homes. That is why we write policies with pet liability. When selecting the Animal Liability within your Aspera quote, indicate the number of animals included in the […]

July 9, 2021

Insuring Aviation-Related Businesses

Have you considered how many businesses provide services to or intersect in some way with the aviation industry? There are the more obvious examples, including manufacturers who develop parts for a variety of aircraft as well as companies who rent out aircraft parts. Aircraft manufacturing is reportedly a $169bn industry that employees over 500,000 people. […]

July 8, 2021

When you’re in a bind to find coverage, Aspera can bind quickly

One of Aspera’s new agency partners faced a challenge when a carrier would not renew coverage for one of her loyal clients – a residential framer. Despite the framer’s clean loss history for five years, the agent had trouble finding adequate and affordable coverage. With at least one job lined up to work in a new tract development of 50 homes, […]

June 29, 2021

Broad Coverage + No Coastal Limitations: That is the Aspera Advantage

Imagine, through no fault of their own, your customers’ homeowners policy was not renewed. Even if your customers had no recent claim activity, their policies were not renewed. Even if no recent storm activity impacted your customers community, their policies were not renewed. Just because your customers happened to live in a particular area, their homeowners policies were not […]

June 23, 2021

Contractor’s Liability Coverage for Hard-to-Place Contracting and Distribution Risks

Aspera helped an agent find Contractor’s Pollution Liability (CPL) for a general contractor client who needed CPL to continue offering its electrical, general construction, roofing, and tile and marble work. Our access to Environmental coverage can provide coverage for companies with products or operations that impact the environment. Contractor’s Pollution Liability is available for both your environmental […]

June 9, 2021

From Seed to Sale: Delivering Insurance Solutions to Cannabis Businesses

It can be difficult knowing if your client is classified as a marijuana related business (MRBs) and will require cannabis specific coverage. Growers, and processors, and dispensaries are easy to identify as MRBs. Will a carrier classify the accounting firm preparing taxes for a grower as an MRB? Or the doctor performing medical marijuana evaluations? […]

June 3, 2021

Atlantic Hurricane Forecasts and Tips to Prepare for Storms Before the Storm

Last month, Aspera shared Atlantic Hurricane Season Forecasts from CSU and AccuWeather. In late May, the National Oceanic and Atmospheric Administration (NOAA) Climate Prediction Center issued its outlook for a 60{241d69fb6cc1b5cacc5f3e2661eaf0e97e5fed421b543841c6865fd1a2ecc898} chance for a above-normal 2021 Atlantic Hurricane Season. NOAA predicts 13 to 20 named storms, of which 6 to 10 could become hurricanes, including 3 to 5 major hurricanes. In addition to El […]

April 20, 2021

2nd Annual Spring Outdoors Incentive

Win great prizes through Aspera’s Spring Outdoors Incentive. Your agency can encourage your staff to get outdoors with these great prizes by submitting commercial applications throughout April. Aspera Insurance will award prizes for applications submitted, not bound. Azaleas Status Agencies that submit 15 applications can receive your choice of: Sonos Play:5 wireless speaker Traeger Ranger […]

February 11, 2021

Pop-Up Incentive

Win gift cards through Aspera’s Pop-Up Incentive. Aspera is running a two week pop-up incentive to give away gift cards up to $200 from Best Buy, Home Depot, and Target! Aspera will award gift cards for applications your agency submits between Monday, February 22 and Friday, March 5, 2021 Agencies that submit 6 applications can receive […]

February 8, 2021

Hindsight from 2020

Preparing for a successful 2021 Using Hindsight from 2020 Is your agency ready for the busy spring & summer home buying season? To help you succeed in 2021, Aspera’s underwriters have compiled some helpful tips. As always, we encourage you to review policies with your customers prior to renewal or at the point of sale. […]

November 30, 2020

Enhancing Your Brand

Whether we admit it or not, branding influences our behavior and helps us identify companies. Branding goes beyond your logo, it encompasses your mission, vision, and client experience. Having a strong brand can help set your agency apart from your others. Consider the Following Tips When Enhancing your Agency’s Brand: Branding Freebies Everyone loves getting […]

November 30, 2020

Obtaining Leads

Driving new business to grow your revenue and maintain your book can sometimes be daunting to new and experienced insurance producers alike. Many agencies are faced with the challenges of limited talent and staff to maintain the policies they have, never mind the cost of new technologies to provide faster and improved service or the […]

October 7, 2020

Season of Giving Incentive 2020

Win great prizes during Aspera’s 2nd Annual Season of Giving Incentive. Your agents can cross off items from their Holiday Wish List by submitting commercial applications from October 12 – November 20, 2020. Aspera Insurance Services, Inc. will award prizes for applications submitted, not bound, between Monday, October 12 and Friday, November 20, 2020 Season of […]

July 10, 2020

Insuring Entertainment-Related Businesses

Countless businesses across the US provide fun and engaging ways for Americans to spend their free time. Although the industry has been hit hard by the social distancing required to slow the spread of COVID-19, it will eventually recover once the pandemic ends. When it is safe to convene in public places again, people will […]

March 24, 2020

Spring Outdoors Incentive

October 18, 2019

Insuring Cannabis-Related Businesses

Since the legalization of medical marijuana in Florida in November 2016, the industry has grown rapidly, with sales expected to reach $1.3 billion by 2021. The number of patients in the state who qualify to use medical marijuana has surpassed 168,000. The medical marijuana industry is expected to continue its upward trajectory, particularly since the […]

October 8, 2019

Season of Giving Incentive

Win great prizes through Aspera’s Season of Giving Incentive. Your agency can cross off items on your Holiday Wish list by submitting commercial applications from October 21 – November 15, 2019. Aspera Insurance will award prizes for applications submitted, not bound. Season of Giving Wish List: Kris Kringle status Agencies that submit 15 applications can […]

March 14, 2019

March Madness Submission Contest

Win great prizes through Aspera’s inaugural March Madness Submission Contest. Your agency can make your way up the prize brackets by submitting commercial applications from March 25 – April 26, 2019. Aspera Insurance will award prizes for applications submitted, not bound. Aspera’s March Madness event is a great way to take advantage of our lowered […]

February 12, 2019

Tips for common coverage issues and claims handling

As we settle into 2019, here are some tips Aspera Insurance learned in 2018 – especially with regard to Hurricane Michael. These range from common coverage issues to our claims handling process. Please consider reviewing policies with your clients prior to renewal or at the point of sale. Dwelling Coverage We are able to offer […]

November 27, 2018

Despite back-to-back losses, Aspera found a way to offer GL coverage

Following a pair of $250,000+ losses, a regional carrier non-renewed the General Liability policy for a restaurant and bar business. The client’s agency reached out to Aspera Insurance to learn about our coverage options for this entertainment and dining establishment, with adverse loss history. Aspera’s underwriting team used key questions to learn more about the […]

November 1, 2018

When Policies Won’t Extend Coverage, Learn How Aspera Can Help

After her state passed legislation permitting medical marijuana use, a psychiatrist began offering medical marijuana evaluations to her main practice. Her existing policy did not provide the necessary coverage, and her agent informed her the carrier would not cover medical marijuana evaluations. The psychiatrist’s agent contacted Aspera Insurance to learn about our specifically structured coverage […]

November 1, 2018

A Claim Shouldn’t Be a Set Back to Your Clients

Aspera has attractive coverage solutions for clients with a claims history A Certified Registered Nurse Anesthetist who maintained a clean license experienced a very tough claim during a labor & delivery complication. The nurse’s carrier non-renewed. When the nurse moved practice locations, he worked with his insurance agent to find better coverage. Aspera Insurance presented […]

June 7, 2018

Revising An Existing Quote

Upon completing a quote or revising an existing quote, you are initially taken to the “Rating Results” tab for that submission number. If you click the “Submission” tab, you will be taken back to the actual application where you can make adjustments to the information entered. You can then revise any information in the application and […]

June 7, 2018

Creating a Home Inventory

June 7, 2018

Do I Need Coverage for Vacant Land?

Aspera Insurance Services provides solutions for difficult- to-insure Commercial Casualty risks. Many individuals and businesses purchase land as a real estate investment because it typically appreciates over time. Protecting vacant land from unwanted guests is nearly impossible; fencing is not only expensive to install and keep up, it is not a guarantee to keep out […]

June 7, 2018

Do I Need Coverage for Vacant Buildings?

A Commercial General Liability (CGL) policy for Vacant Building coverage is going to respond to claims resulting in bodily injury. So you may be wondering, “Why do I need insurance if the building is vacant?” The building may be empty most of the time but building owners may have buyers or appraisers coming on the […]

June 7, 2018

Owners, Lessors, and Tenants

Aspera Insurance Services, Inc. offers small businesses Commercial General Liability insurance for Owners, Lessors, and Tenants. A Commercial General Liability (CGL) insurance policy protects insureds against liability claims for “bodily injury” and “property damage” arising from a variety of risks including premises, operations, and products. Because no two businesses are exactly alike, the policy responds […]

June 7, 2018

Expediting Quotes

Our team at Aspera is dedicated to providing your agency with quick quotes. Because time is of the essence, and often determines which agent and carrier is chosen by the insured, we strive for efficient service in order to provide our Commercial Casualty clients quotes in about an hour. To accomplish this, we request the […]

June 7, 2018

General Contractors

Aspera Insurance Services offers difficult-to-insure small businesses Commercial General Liability (CGL) insurance. A CGL insurance policy protects insureds against liability claims for “bodily injury” and “property damage” arising from a variety of risks including premises, operations, and products. Because no two businesses are exactly alike, the policy responds to a wide-range of exposures from commercial […]

June 7, 2018

Artisan Contractors

Aspera Insurance Services offers difficult-to-insure artisan contractors Commercial General Liability insurance. Artisan contractors such as air conditioning repair, electrical, framing, plumbing, roofing, and many other specialties who primarily work under contract for residential and commercial general contractors, often have a difficult time finding insurance due to the nature of and risks associated with their work. […]

June 7, 2018

Carbon Monoxide

Owning any home, whether it’s a traditional, factory-built or modular home, comes with risks including health-related. According to the U.S. Centers for Disease Control and Prevention, there are more than 400 unintentional carbon monoxide deaths in the United States annually, and over 20,000 visit the emergency room each year because of carbon monoxide poisoning. You […]

June 7, 2018

INSURANCE MADE SIMPLE: Replacement Cost vs Actual Cash Value

One of our most frequently asked questions relates to the difference between Replacement Cost and Actual Cash Value. Depending on the age of the home, renovations, updates, and/or additions, partial losses to your Manufactured Home may be settled at Replacement Cost or Actual Cash Value. The main difference relates to a deduction for depreciation. Replacement […]

June 7, 2018

Quick Search and Submission Look-Up

Quick Search & Submission Look-Up Process: 1. Log-in to the Aspera Website – https://pi.asperains.com 2. You will see two new sections to the left of the screen labeled “Search Filter” and Quick Search: 3. The Quick Search function is best used to look up a specific submission number, policy number, or insured. Simply enter the […]

June 7, 2018

5 Things to Review Before You Renew

In less than six months, anything can change in a homeowner’s life from mortgages, trusts, additional insureds, property sold and new property purchased. Peak renewal season can also be stressful on agents, and some policies can be overly time-consuming when there is a lot of back-and-forth in order to renew Manufactured Housing policies. Our team […]