Admitted Products

Benchmark Offers a Range of Admitted Market Products

Here at Benchmark we are always asking agents if the admitted market has declined a risk before we start working on quoting it. We often say “knowing it’s been declined is our green light.” That’s because the vast majority of our 60+ markets are non-admitted.

The admitted (or standard) markets are subject to form and rate regulations in each state where they’re admitted. Because of this, there will always be risks they are unwilling to write because they can’t tailor their forms or charge enough rate on the risk to remain profitable.

So there’s a gap created of people and businesses who need insurance but can not obtain it. The states know that this happens, so they allow wholesalers like Benchmark to represent Non-admitted or Excess & Surplus Lines companies to write those businesses. Non-admitted companies are not held to the same regulations, in other words, they have “freedom of rate and form” which allows them to take on the riskier insureds.

Many agents who work with Benchmark only think to come to us when their admitted markets have declined, because they understand how this system works, and so very few agents realize that we actually represent a handful of admitted markets also! Here are the details:

Amtrust (BOP, Worker’s Compensation, Commercial Auto)

BOP Program


  • TIV up to $5 million
  • Revenue up to $5 million
  • Building coverage up to 6 stories
  • Tenant only coverage up to 45 stories


  • TIV up to $5 million
  • Revenue up to $5 million


  • TIV up to $5 million except frame, which is $3million and requires sprinkler

Worker’s Compensation Coverage

Preferred Exposures:

  • Artisan contractors
  • Beauty shops
  • Buildings (operations by owners or contractors)
  • Doctors and dentists
  • Grocery stores
  • Machine shops (light metalworking)
  • Private schools
  • Professional offices
  • Restaurants
  • Retail stores
  • Wholesale stores

Underwriting Guidelines:

  • At least one full time employee (in addition to the owners)
  • Fewer than 75 employees at a single location at the same time.
  • One year in business with worker’s compensation coverage
  • Will consider new ventures for most main street business

Commercial Auto Coverage

Preferred Exposures:

  • Contractors
  • Distributors
  • Energy
  • Pest Control Services
  • Appliance Repair

Submission Requirements:

  • Complete ACORD application with FEIN
  • Three years of loss runs
  • Current driver list

Great American (Property & Inland Marine)

  • Construction
  • Manufacturing
  • Real Estate
  • Healthcare
  • Distribution
  • Service Related Risk
  • Recreational

Seneca (Package, Mono-line Property & General Liability)

Package Business

  • Vacant and partially vacant buildings (including those in receivership or bankruptcy)
  • Buildings with $20-$30 million in values (office, manufacturing, habitational)
  • Building Lessor’s Risk Only
  • Commercial properties including office buildings and warehouses
  • Light Manufacturing including product liability
  • Food Processing
  • Wholesale Distributors
  • Condominiums (no frame) including individual condo units, mixed use condo associations
  • Apartment Buildings – JM Construction or better, 20 units or less

Mono-line Property

  • Office buildings
  • Contractor’s buildings/offices
  • Schools and daycare centers
  • Nursing homes and assisted living facilities
  • Medical care facilities

Mono-line General Liability

  • Large and small office buildings
  • Warehouses
  • Strip shopping malls
  • Condominiums (including large high-rise buildings)

Westchester (Management Liability & Professional Liability)

Management Liability

  • Private Company
  • Public Company
  • Not-for-Profit
  • Community Associations

Professional Liability

  • Miscellaneous Professional
  • Financial Institutions
  • Public Entity
  • Cyber Liability Coverage
  • Medical Facilities

Hiscox (Management Liability & Professional Liability)

Management Liability:

  • Private Company
  • Not-for-Profit

Professional Liability:

  • Accountants
  • Allied Healthcare
  • Architects & Engineers
  • Crime and Fidelity
  • Cyber
  • Financial Services
  • Media Liability
  • Miscellaneous Professional
  • Technology

The next time you come across a risk that matches up with the outline above, we hope you’ll submit it to us along with the admitted markets you work with directly. We will then work on getting you a competitively priced quote, and as always, we pride ourselves in our quick turn-around-time, so it’s just like having more markets in-house.

When you send us the submission, don’t forget to mention that you know this is a standard market risk and you’re hoping for a quote from one of our admitted markets. We’ll take it from there!