Our underwriting team has a wealth of experience providing OL&T insurance and premises insurance solutions for hard-to-insure businesses.

With Aspera, you and your clients will receive a customized underwriting process to deliver competitive solutions fast.

In most cases, we can turn around a quote to you in one hour!

Target OL&T/Premises-Related Classes

  • Over 200 Classes including:
    • Adult entertainment – clubs & shops
    • Amusement/arcade facilities and events
    • Apartments
    • Churches
    • Condo & homeowners associations
    • Convenience stores
    • Hostels
    • Hotels
    • Lessor’s risks
    • Motels
    • Office buildings
    • Restaurants
    • Retail stores
    • Shopping centers
    • Special events
    • Truckers
    • Vacant building
    • Vacant land
    • Warehouses

Policy Structure

Policies are written through a non-admitted carrier with a Financial Strength Rating of A (Excellent) by A.M. Best.

  • Commercial General Liability
  • ISO Occurrence coverage form
  • Customized coverage
  • $1,000,000 / $2,000,000 / $2,000,000 capacity
  • Per location and per project aggregate endorsement
  • Hired and non-owned auto (supported)


You can get OL&T insurance through us in these states:

Company Highlights

Here are a few services you can expect when working with us:

  • Quick responses and quotes, often within 24 hours
  • 24-hour policy issuance
  • Policies written through a non-admitted carrier with a financial strength rating of A (Excellent) by A.M. Best
Submission Requirements
  • ACORD Commercial Insurance applications (125 and 126) with description of operations (signed by the insured when bound)
  • Supplemental application, as appropriate
  • Five-year summary of losses
  • Website information
Send a Submission
View our Appetite Guide
Become Appointed

Our Commercial Lines Team

Kyle Flynn, Division Manager
(804) 774-2102
Chris Hinchcliff, Associate Underwriter
(804) 774-2114