Get Standard Company Market Access through
Our P&C Admitted Market Access Program

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P&C Admitted Markets Access Program is now offered by PIAIS to PIA member agencies and PIAIS-insured agencies.  Designed to help you earn more revenue now with limited effort, PIAIS’ Property & Casualty Admitted Markets Program has proven to be beneficial for agents and demand is growing as more agents create significant new income streams. 

Member-agents own their book of business, and earn all available commission (meaning PIAIS takes none of your commission split) on new and renewal business written through the providers in this program.   With 50 standard P&C flagship companies, your PIAIS P&C Market Access Program offers admitted carrier access for start-up agencies; agencies needing a specific admitted carrier's product for a one-of-a-kind client; agencies that wish to "try out a new carrier" or work with a carrier on a limited basis without an appointment, and L&H agents interested in doing some P&C business. PIAIS' program provides participating PIA agents with fast turnaround time on quoting and direct carrier appointments are not required. Participating admitted market sources (7 MGAs) provide participating PIA member-agencies with fast quoting, rating, all back office service, claims and client support, and will work with PIA members to get the applications completed correctly and fully for carrier underwriting.
You can’t afford to ignore an extra stream of revenue.  If you need more profit in your agency or if you have an L&H license and aren’t using it, call PIA.  Just let our PIAIS P&C Market Access Program have but one test case to work on, and you will see the ease of doing business and the positive financial results for yourself.  Our P&C Admitted Markets Program has proven to be a real winner for agents. Carrier sources include Johnson & Johnson, MarketSource of Ohio; All Risks; Atlantic Specialty Lines; Commonwealth Underwriters; Royal Oak, and Agents Insurance Markets. A simple OnLine application for each provider is required.   Existing MGA relationships are grandfathered for all new admitted business through this program.   You must be a PIA member or PIAIS-insured to participate in any of these four PIAIS programs.

Contact us at PIAIS - 804/264-2582 - or for full details.

Johnson & Johnson:  One of PIAIS’ P&C admitted carrier access providers, Johnson & Johnson (J&J), is a full service, family-owned, certified MGA founded in 1930, operating out of Charleston, SC, that specializes in serving independent agents.  J&J’s current list of admitted carriers includes: Travelers Commercial Lines; Hartford; USLI (EPLI only); QBE Group; American Modern PL (habitational only); Scottsdale Personal Lines only, Colony (commercial, garage, only, admitted Oct 1, 2009); AmTrust and Berkshire Hathaway for Workers’ Comp; ACE, Chartis (old AIG Private Client Group for coastal H/O); CV Starr and Fireman’s Fund.  Note that some carrier names are familiar names in the E&S market, but the admitted business segments of these companies are limited to specific admitted risk categories through PIAIS’s program.  J&J’s has an online application process that provides a rated, bindable quote, which is direct billed by the carriers, including premium financing as needed.  J&J will takes apps via fax, phone or online.  J&J virtually guarantees a one-day turnaround on quoting.  For agencies accepted into the program, J&J retains all overrides and contingencies.  J&J has sole discretion to appoint and to terminate agencies in the program.  Existing J&J agent relationships with PIA members in VA and DC are grandfathered in the program.  J&J provides participating agencies with quoting, rating, all back office service, claims and client support, and will work with PIA members to get the applications competed correctly and fully for carrier underwriting.  A major attraction for agents is J&J’s customer service promise: call in by 2 p.m. gets a response by 5 p.m. same day – J&J will call you back that day.

MarketSource was founded in 2005 by independent insurance agents who needed an everyday solution to an everyday problem: gaining access to standard markets to help facilitate profitable growth for their agencies, without the burden of ever-increasing production requirements or giving up control of their business. Now a leading market access provider licensed to write insurance across all 50 states, MarketSource gives independent agents (“Indie Agents”) access to nearly 20 of the industry’s most respected carriers, opening doors to more opportunities so our agents can open their doors for more business. With the most agent-friendly relationship agreement in the marketplace, and solutions for growth, profitability and perpetuation, you should partner with MarketSource. To learn more about MarketSource and the Indie Agent, please visit our website at and/or contact David Giancola at or 614-941-1462.

Atlantic Specialty Lines: Atlantic Specialty Lines, Inc was formed Sept 1, 1996 - splitting off from Markel Corporation. After starting with a small $5mil book of business in 1996, it has grown organically and through acquisitions to over $120,000,000 in brokered premium with 4 offices. Its retail partners have teamed up to expand ASL’s appetite from writing a few E&S lines to now offering over 250 product lines and representing over 50 of the strongest rated carriers in our industry. ASL’s experienced and reliable underwriters will partner with retailers to find proper risk solutions for their clients and friends. Each risk will be underwritten properly and the coverage's and exclusions will be explained in detail to eliminate any questions , concerns or potential E & O situations. ASL underwriters collectively know their markets very well, so ASL can provide the proper tailor made coverage for the exposures of each risk it works on. Atlantic Specialty Lines, Inc is a "one stop" wholesale operation offering Admitted and Non-admitted carriers to our retailers for the complex risks to the easy "vanilla" insurance needs. In addition, ASL does not have any premium volume commitments for our agents. ASL is here to meet retailers needs whether it is for one or one hundred policies a year. ASL’s on - line rating & binding web portal , appropriately named SIMPLE-RATES (, offers Personal and Commercial lines quotes on non-admitted and admitted products, where you can quote , bind and pay in three easy steps. Atlantic Specialty Lines, Inc was the first E&S broker to launch personal lines products close to 15 years ago. Its expertise and experience in this area is unmatched by any other competitor in the Mid-Atlantic. While most of ASL business in placed into A rated surplus lines carriers, it has access into 15 admitted carriers with products ranging from commercial packages and auto liability to professional lines & workers comp. ASL underwriters will assist you in assessing the risk exposure and finding the appropriate carrier and coverage with staying away from just "slot placing" your important clients. ASL’s President and founder has over 40 years in the Virginia Insurance industry and has been committed to building ASL to be one of the best wholesalers in Virginia. ASL underwriters are educated in the Mid-Atlantic exposures and have experience in helping you place your clients risks with financially stable Admitted and Non-admitted carriers. The ASL underwriting team takes pride in offering quality service and do not act as "order takers" like so many others in today's market. This commitment is the main reason ASL is financially strong and growing in spite of the struggling economy and tough insurance market. ASL looks forward to assisting you and your clients with insurance solutions while providing you with the best possible “Customer Experience”Contact Greg Provenzo

Agents Insurance Markets: Established in 1979, Agents Insurance Markets, Inc. is a locally owned managing general agency serving independent agents within the states of Virginia and North Carolina.  AIM’s goal is to make your job easier, by offering you alternative markets outside the realm of your standard companies. AIM’s commercial property and casualty, transportation, and personal lines departments are offering many coverage’s on an admitted basis. AIM can offer Manufactured homes, RV/Travel trailers, Watercraft including Jet skis, Motorcycles, Dwellings, Inland Marine for Equipment/Contractors Equipment, Professional/E & O, Transportation, Dump trucks, Wreckers, Day Care Vans, Local/Intermediate Truckers just to name a few.   AIM’s dedication and experience have enabled it to establish relationships with some of the premiere insurance companies in the industry that cater to the unusual and hard-to-place risks.  AIM’s professional staff is committed to service, but they do not want to limit you.  Your office also has access to 24/7 on-line quoting in personal lines and multiple property and casualty lines.  Let AIM’s underwriters use their knowledge and flexibility to help you offer your clients the coverage they need in today’s changing world.   Please pick up the phone and give us a call, we look forward to hearing from you very soon! President William “Sandy” Jackson, Jr. at

Royal Oak Underwriters has been in business serving the needs of retail agents for 2 7 years. They write in Virginia, Maryland, DC, North Carolina, Tennessee and Pennsylvania, and represent both admitted and nonadmitted carriers. They write Property, Inland Marine, Professional Liability, General Liability, Ocean Marine, Boiler and Machinery and Umbrella/Excess with admitted carriers and nonadmitted carriers. Royal Oak has a staff of experienced underwriters who can answer coverage questions and help you find the right products to fit your client. This experience also means fast turnaround. Often, indications can be made over the phone saving you and your client valuable time. Their helpful attitudes can also assist in training your newer agents.

Royal Oak offers ROVER (Royal Oak Very Easy Rater) which is a simple, straight forward and very competitive way to quote accounts quickly in your office. ROVER handles coverage for dwellings, artisan contractors, truckers general liability, special events and day care centers. ROVER rates your account at limits of 300,000, 500,000 and 1,000,000 and emails you the completed application. In addition, you will receive a $20 gift card as a thank you for using the ROVER system.

Royal Oak Underwriters can answer virtually any need your agency may have. One of its strengths is property coverage. For standard type accounts, they offer admitted paper through our standard markets. For nonstandard accounts, they use nonadmitted markets. They currently have in house authority up to $14,500,000 so we can provide super speedy turnaround. Coastal property is no problem for Royal Oak Underwriters as the in house authority applies to the coast, and they have a large book of vacant property and offer 15% commission on that class. Their Homeowners product is second to none, offering coverage extensions including water/sewer back up and guaranteed replacement cost among others. They can offer up to $1,000,000 in personal liability and can offer personal umbrellas if higher limits are needed. Royal Oak writes high value homeowners as well as low value dwellings and most of these can be quoted over the phone or with a quick email. Royal Oak handles professional liability of all types and has several admitted markets willing to write this coverage. They handle all types of technical professional including computer programmers. They also offer Directors and Officers coverage for both for-profit and not for profit businesses., as well as great markets for pollution liability for both professional and general liability. They write General Liability from hard to place products accounts to bars and restaurants, and can package most accounts. Royal Oak also has admitted and nonadmitted markets for your ocean marine accounts. All carriers are Best rated A- or better so you don’t have to worry about the security of the paper. Visit their website at for more information on how you can produce more business. They have worked with PIA agents for many years and are proud to be a member of the PIAIS team.
All Risks is effective in handling both smaller accounts that can fit into the unique programs we have in place, or large complex risks that need a more seasoned broker’s experience to understand and negotiate effectively. Our company is segmented into four separate and distinct operating units, in which each unit has different areas of expertise. To further describe the differences between each unit, they are outlined as follows:

1. Brokerage Services
The Brokerage Units assist agents in the marketing and placement of larger, more sophisticated accounts. Our staff of senior brokers assist the agent in identifying exposures and navigating the brokerage marketplace to secure the most favorable terms and conditions available to the client. The majority of our Brokers have all served as Senior Underwriters in Large Account Units of major carriers or Brokers at national wholesale or retail operations. This allows them to pre-underwrite risks on behalf of the marketplace and secure the most favorable terms available. They serve as an outsourcing of the marketing function for larger more sophisticated retail brokers. Our “core strength” areas include, but are not limited to, General Liability (including Products Driven accounts and Construction), Property (Coastal and Habitational exposures), Professional Liability (Medical Malpractice and Miscellaneous E&O), Automobile business (larger fleets and trucking risks), and Umbrella/Excess.

2. Managing General Agency Services (Contract Binding)
The MGA Units quote, bind, issue policies, service policies, and handle accounting functions for admitted and non-admitted carriers. All Risks represents under binding authorities the widest array of Specialty Carriers available. Products offered generally consist of non-standard or specialty classes of business (representative risks would be special events, restaurants/ bars, hotels/ motels, contractors, vacant properties, truckers, etc.). This unit has binding authority for all lines of coverage including General Liability and Products Liability with $1M/$2M limits, Property with up to $10M per location, and Commercial Automobile with up to $1M CSL, Package, Umbrella and Excess, Professional Liability, and Directors and Officers.
AcelaRate Quoting for Small Commercial and Personal Lines
Our full service phone quoting unit focuses on writing risks with small premium levels - under $10,000 - in hundreds of classes. You are able access this quoting and service center by dialing 1(877) 275–9578 Monday - Friday, 8:00am - 5:00pm EST. There are no premium commitments to work with this division and quotes are emailed or faxed immediately. Currently the unit is quoting one or more of the coverage's offered in AZ, CA, DE, DC, FL (x-wind), GA, MD, NV, NJ, NC, OH, PA, SC and VA. Commercial coverage's depend on the class of business, however, General Liability, Property, and Package can be quoted for most classes. Targeted commercial risks include: Artisan Contractors, Habitational, Apartments, Dwellings, Mercantile, LRO, Condo-HOA, Clubs, Offices, Restaurants & Bars, Truckers' GL, Vacant Land and Buildings. This platform also includes Personal Lines Homeowners and Dwellings, Vacant Dwellings, Builders Risk and Coastal Properties with Coverage A values up to $600,000. Check out the Coverage A online quoting tool available to contracted retailers at

The All Risks Transportation units work with a wide array of Specialty carriers. These units are located in our Hunt Valley, Richmond and York branches writing business in DE, MD, NC, OH, PA, SC, VA and WV. Transportation classes include Trucking from Local, Intermediate and Long-Haul, to New Ventures, as well as Business Auto from Ambulances to Tow Trucks. These units are managed by Jim Vajda, Vice President of Transportation and Ronda Serafin, Underwriting Manager.

3. National Programs Units
Program Units quote, bind, issue and service policies, monitor rate adequacy, and place reinsurance. We consistently keep abreast of trends and changes in products and the marketplace. Our brokers and program developers find niche markets that have few viable insurance programs available to its members to provide adequate coverage at a reasonable premium. All Risks develops and distributes proprietary products targeting specialty niches. These products are competitive and exclusively available through All Risks, Ltd. 

National Specialty Programs
The National Specialty Program Unit, located in the Hunt Valley, MD office, has exclusive access to programs on a national basis for the following types of insured's: Alarm Monitoring and Installation, Architects & Engineers, Dealers, Exterminators/ Pest Control, Fire Suppression and Sprinkler Contractors, Health and Fitness Clubs, Insurance Agents E&O, Janitorial Contractors, Marine & USL&H, Medical Facilities, Private Investigators, Remediation/Restoration, REO/Force Placed, Security Guards and Storage Facilities. Coverage areas include General Liability, Professional Liability, Excess Liability, Umbrella, Workers’ Compensation, Commercial Auto Liability, Crime, and Inland Marine. The leader of the above unit is Senior Vice President, Chris McGovern. 

We have developed an insurance program in conjunction with “A” rated companies that has been specially designed for the garage industry in more than 40 states. This dedicated unit located in the Virginia branch office offers a program that has been designed to reward garage firms with favorable loss experience. Targeted industries include, but are not limited to, Non Franchised Used Car Dealers, Commercial Vehicle Dealers, Auto Wholesalers and Service or Repair Operations. Coverage's include Premises, Operations & Products; Medical Payments; Uninsured/Underinsured Motorists; Non-Owned Auto Liability; and Dealers Physical Damage/Garage Keepers. Our Garage Unit is led by Transportation Manager, Ronda Serafin.

Property MGU
All Risks has in-house binding authority for middle market property risks with broad capabilities including 100% TIV risks, primary (first loss) and excess loss-buffer. Substantial capacity with a nationwide presence (excluding AK, HI, KY, IL) for a broad range of classes including habitational, institutional, real estate owners, light manufacturing, services, private warehousing/storage and distributing, healthcare and vacant property.

Public Livery
All Risks, Ltd. has been providing automobile coverage for public livery operations for over ten years. This dedicated unit is situated in our York, PA branch office with underwriters who have standard market underwriting experience and have a minimum of five years of public livery underwriting experience. Our focus is primarily the chauffeured transportation industry where the transportation is pre-arranged at least twenty-four hours in advance. Operations will include: limousines, corporate and airport transfer, hotel and airport shuttles, courtesy vans/buses, and funeral service. Coverage's offered: Liability, Physical Damage, Non-Owned Auto, and Hired Auto. This unit currently underwrites in 37 states is let by Jim Vajda, Vice President of Transportation.

Workers’ Compensation
We have developed a template Workers’ Compensation Unit, QuickComp, in our Virginia branch office for policies up to $250,000 in manual, unmodified premium for all states, excluding ND, OH, WA and WY. This team has expertise in placing monoline Workers’ Compensation on various industry groups including traditionally difficult to place classes such as trucking and contracting. Over 85% of the NCCI class codes are eligible. We have competitive commissions and full in-house binding authority with A– or better rated carriers. The leader for our QuickComp unit is Vice President, Jim Mitchell. 

Workers’ Compensation - Temporary Staffing Industry
All Risks has a nationwide program focused on Workers’ Compensation for the temporary staffing industry, $75,000 minimum premium. Michael Hayes, leading the program, has 20 years experience as well as a team with expertise in the industry coupled with an A market —- a winning combination. 

4. Personal Lines
The Personal Lines Unit, aka QuickHome, quotes, binds, issues and services policies, as well as handles accounting functions for admitted and non-admitted carriers. All Risks offers a wide array of Personal Line coverage's for High Value Homes and True E&S Homes countrywide. High Value Homes include primary, secondary, rental, vacant, TIV up to $20,000,000, excess flood—umbrella/excess. True E&S Homes include coastal, older homes, unprotected, claims and credit issues, lapse in coverage, vacant, excess flood, umbrella/excess and CPL.