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Insurance

Programs

We’ve got you covered.

Method writes in all non-monopolistic states, offering access to a wide variety of markets — many of which we exclusively represent. We generally have the power of the pen, allowing us to make quick decisions.

Unlike many multi-line carriers, we don’t shy away from challenging accounts. We even have a program to save your client from going into the pool. And if we can't find a fit within any of our dedicated programs, we have one of the largest wholesale networks.

smiling worker putting boxes on a warehouse shelf

Mid-Market

Our bread and butter: a broad appetite middle market program. With in-house safety, loss, and claims experts that provide your clients service that others can't.

Coverage highlights
  • A rated carriers
  • Coverage from $10k ($25k in California)
  • No experience mod caps
  • Flexible payment, including payroll reporting
  • In-house claims handling.
Availability

Available in all non-monopolistic states except New York.

Target industries

We have special expertise in Agriculture, Construction, Healthcare, Manufacturing, Transportation, but write mid-sized accounts across a wide variety of class codes.

Exclusions

There's not much we can't write, but you can view our excluded class codes here.

Small-Business

Our Main Street solution. Method understands the unique needs of small businesses from barbershops to laundromats, sandwich shops to banks.

Coverage highlights
  • Broad appetite
  • A rated carrier
  • Full underwriting authority for fast turnaround time
  • Minimum payroll: $12,500 ($25,000 for construction)
  • Multi-state exposures
  • Flexible payment, including monthly payroll reporting
Availability

All states except RI, NY & ME

Target Industries
  • Agriculture
  • Artisan Contractors
  • Automobile mechanics, body repair, paint etc.
  • Construction
  • Doctor, dentist, specialist offices
  • Grocery stores, bakeries, convenience stores
  • Healthcare
  • Hotels or motels
  • Lawyers, CPA’s and other professional industries
  • Manufacturing
  • Moving, storage, or janitorial
  • Retail outlets, boutiques and coffee shops
  • Restaurants
  • Transportation
  • Trucking (within 300 miles)
Exclusions
  • Aircraft or helicopter operations
  • Any operation involving firearms, ammunition, fireworks or other explosive material
  • Courier, Fed Ex, Amazon delivery or similar couriers
  • Federal Coal Mine, FELA coverage
  • Heights over 40ft or depths below 10ft
  • Livestock including cattle or horses
  • Logging, deforestation, wildfire, or disaster cleanup
  • Maritime Liability, Jones Act, USL&H, Defense Base Act
  • Oil, gas, asbestos, or chemical manufacturing
  • Professional sports
  • Railroad, coal, foundry, or mining operations
  • Risks with foreign travel and coverage requirements
  • Roofing, crane work, or heights over 40ft
  • Sole Prop / Owner only policies
  • Strip clubs or other similar operations

Specialty programs

Security

Watching out for the people keeping us safe. A special program for a challenging risk.

Coverage highlights
  • A rated carrier
  • Single or Multi-State
  • Armed or unarmed
  • Challenged placement specialty
Availability

All non-monopolistic states.

Target industries
  • Airports (excluding screening)
  • Alarm Companies
  • Apartments (non-government)
  • Banks
  • Car dealerships
  • Commercial burglar/fire alarms
  • Condominiums
  • Construction sites
  • Government facilities (excluding bus stations)
  • Home wiring / low voltage wiring
  • Manufacturing plants
  • Office buildings
  • Private investigators (no bounty hunting, repossession, or expert witness work)
  • Residential burglar and fire alarms monitoring (with proper contracts)
  • Residential patrol (with confirmed HOA)
  • Restaurants
  • Retail stores (no physical shoplifting intervention)
  • Security Firms & Private Investigation
  • Security for CBD/Cannabis facilities (no secured transporting or grow facilities)
  • Shopping malls
  • Warehouses

Staffing

Tailored for Temps. We understand the unique challenges of quoting alternative employers.

Coverage highlights
  • A rated carrier
  • Available nationwide, single or multi-state
  • In-house underwriting authority
  • New ventures eligible
  • $5,000 minimum
Availability

All non-monopolistic states.

Target industries
  • Artisan contractors (electricians, plumbers, metal/tile, interior decorators or painters)
  • Retail, wholesale, storage, building operations, schools, professional services (architects, accountants, museums, law, computer programming and medical coding)
  • Manufacturing (auto cloth, electric, food, machinery, metal, paper, plastics, stone, wood)
  • Leisure, hospitality services (hotels, laundry, restaurants, theaters)
  • Physician offices, doctors, dentists, chiropractors, domestic workers

Cannabis

New industry. New opportunity. The cannabis industry is growing rapidly throughout the country. Method is ready with quality, affordable coverage.

Coverage highlights
  • A rated carriers
  • Underwriting authority for fast turnaround time
  • No minimum premium
  • Minimum payroll: $12,500
  • Multi-state exposures
  • Flexible payment, including monthly payroll reporting
Availability

AL, AK, AR, AZ, CT, DC, DE, FL, GA, IA, IL, ID, KS, KY, LA, MD, MA, MS, MN, MO, NC, NE, NH, NJ, NM, NV, OK, OR, PA, SC, SD, TN, TX, VT, VA, WV

Preferred class codes

0035 Grow Operation
2003 Baked goods – Edibles
2163 Cannabis Beverage Mfg.
4511 Testing of potency/purity
4611 Extracts, Oils, Concentrates, Vapes Mfg.
4825 Medicine, Drug or Pharmaceutical Preparation Mfg. & Incidental Mfg. of Ingredients
6504 Food Product Mfg.
8017 Dispensary Operation
8018 Wholesale Operation
8045 Retail Drug Store

Exclusions

Cannabis Courier Operations
Accounts which have security guards on their payroll.

Other

Pool Depopulation

Before you go to the pool, come to Method. We offer comparable pricing and higher commission.

Coverage highlights
  • Short term policies/seasonal businesses
  • Height exposure up to 40ft
  • Depths as low as 10ft
  • Travel radius up to 300 miles
Availability

AK, AL, AR, AZ, CT, DC, IA, ID, IL, KS, MS, NH, NM, NV, OR, SC, SD, TN, VT, WV

Preferred class codes
  • 0037 Farm (field crops)
  • 0050 Farm machinery
  • 3724 Heavy machinery manufacturing
  • 5535 Guttering/sheet metal
  • 5645 Residential carpentry
  • 6217 Excavation
  • 6325 Conduit construction
  • 6400 Fence installation
  • 7219 Short haul trucking
  • 7600 Telecommunications/cable
  • 8835 Home Healthcare
  • 5022 Masonry
  • 5403 Commercial carpentry
  • 5445 Drywall
  • 5474 Painting
Exclusions
  • Ghost Policies
  • Tree Service & Removal (0106)
  • Heights over 40ft
  • Depth below 10ft
  • Asbestos Exposure (5473)
  • Risks with exposure to ammunition, guns, or explosives
  • Roofing (5551)
  • Railroad operations and exposure
  • Security Services/Guards (7720)

Wholesale

Everything you need for everything else. We’ve carefully chosen a portfolio of wholesale carriers based on service, experience, and financial strength.

Coverage highlights

$5,000 minimum

Carriers
  • AIG
  • AmTrust
  • Amerisafe
  • BerkleyNet
  • Employers
  • Guard
  • Stonetrust
Availability

All non-monopolistic states.