Recent News


May 23, 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. May 2022 Aspera wrote 68% more in premium in May 2022 than in May 2021! We quoted 84% of new business submissions this May. Over 60% of those […]

Read more
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 […]

Read more
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 […]

Read more
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 […]

Read more
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.

Read more
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 […]

Read more
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 […]

Read more
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 […]

Read more
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 […]

Read more
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 […]

Read more
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 […]

Read more
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 […]

Read more
January 19, 2022

Commercial Lines Appetite Infographic

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

Read more
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).

Read more
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 […]

Read more
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 […]

Read more
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 […]

Read more
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: […]

Read more
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 […]

Read more
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 […]

Read more
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 […]

Read more
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 […]

Read more
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 […]

Read more
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 […]

Read more
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 […]

Read more
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 […]

Read more
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 […]

Read more
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 […]

Read more
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 […]

Read more
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 […]

Read more
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. […]

Read more
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, […]

Read more
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 […]

Read more
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 […]

Read more
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? […]

Read more
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 […]

Read more
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 […]

Read more
March 26, 2021

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’re imagining. The term manufactured home describes houses built entirely in factories after 1976, when HUD established the Manufactured Home Construction and Safety Standards. […]

Read more
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 […]

Read more
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. […]

Read more
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 […]

Read more
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 […]

Read more
October 8, 2020

Updated Claims Process

The 2020 Atlantic Hurricane season is significantly impacting parts of the Gulf Coast. This storm season has increased claim activity, and we anticipate additional storms this season, which will bring additional claim filings. In order to better serve  our policyholders Kinsale’s Claims departments has updated the manner it processes claims. The Claims Process All claims […]

Read more
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 […]

Read more
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 […]

Read more
March 24, 2020

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 Char-Broil Charcoal/ […]

Read more
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 […]

Read more
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 […]

Read more
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 […]

Read more
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 […]

Read more
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 […]

Read more
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 […]

Read more
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 […]

Read more
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 […]

Read more
June 7, 2018

Creating a Home Inventory

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 2020, the U.S. saw a total of 13 hurricanes, 6 […]

Read more
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 […]

Read more
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 […]

Read more
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 […]

Read more
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 […]

Read more
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 […]

Read more
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. […]

Read more
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 […]

Read more
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 […]

Read more
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 […]

Read more
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 […]

Read more