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INVO Underwriting

Commercial Division

Commercial Specialty

E&S, habitational, hospitality and tough classes

Commercial Specialty Underwriter

Bryce King

919-975-7790bryce.king@invounderwriting.com

Commercial Specialty Underwriter

Kyle Eaton

919-975-7785kyle.eaton@invounderwriting.com

Commercial Specialty & E&S Underwriter

Molly Decker

865-482-8149molly.decker@invounderwriting.com

Agents must be appointed with INVO to receive commission on submitted or bound accounts.

Mixed-use commercial and habitational building lit at dusk

What we place in specialty

Appetite at a glance

  • Habitational — apartments, condo associations and mixed-use
  • Hospitality — bars, taverns, restaurants and event venues
  • Contractors including roofing and other tough trades
  • Vacant buildings, builders risk and property in renovation
  • Special events, excess liability and monoline property

Products

What we write in this division

Choose the tile that best fits the account. Each product lists the coverages available and exactly what to attach so we can quote on the first pass. If nothing fits, use the general submission tile and our team will route it.

USLIUSLI

USLI — 3 Ways to Quote

Choose the best path for your risk: phone quote, instant digital quote, or submit for underwriting review.

1. Immediate Phone Quote

855-781-5715

Monday – Friday 7AM–8PM EST
Saturday 9AM–1PM EST

Call for Quote

2. Instant Digital Quote

Online self-service for eligible risks

Quote Online 24/7

Quote Now

3. Submit a Risk

Send ACORDs, loss runs, or a USLI application for underwriting review

Catch-All

General Commercial Specialty Submission

Catch-all for E&S risks without a dedicated product tile.

  • General Liability
  • Property
  • Excess
  • Inland Marine

Eligibility highlights

  • E&S and hard-to-place classes
  • Habitational, hospitality and vacant risks
  • Excess liability over supported primaries

Send with the submission

  1. Appropriate ACORD Application
  2. Loss runs up to 5 years, if possible, or no-loss letter
  3. Supplemental application when one applies

Response time: 1 business day

Start submission

Food & Beverage

Restaurants, Bars & Taverns

Full-service dining, taverns, breweries and entertainment venues.

  • General Liability
  • Property
  • Liquor Liability
  • Excess

Eligibility highlights

  • Full-service, fast casual, bars and taverns
  • Liquor receipts percentage required
  • Cooking and hood-suppression details required

Send with the submission

  1. Appropriate ACORD Application
  2. Restaurant / bar / tavern supplemental
  3. Liquor receipts split
  4. Loss runs up to 5 years, if possible, or no-loss letter

Response time: 1 business day

Start submissionSupplemental form

Contractors

Artisan Contractors

Light trades and specialty contractors across most classes.

  • General Liability
  • Inland Marine
  • Excess

Eligibility highlights

  • Trade contractors with limited new construction
  • Receipts split by operation
  • Subcontractor certificates on file

Send with the submission

  1. Appropriate ACORD Application
  2. Contractor supplemental
  3. Subcontractor cost breakdown
  4. Loss runs up to 5 years, if possible, or no-loss letter

Response time: 1 business day

Start submissionSupplemental form

Construction

Builders Risk

New construction, renovation and remodel projects.

  • Property
  • Inland Marine

Eligibility highlights

  • Ground-up, renovation and remodel projects
  • Project value, term and construction type required

Send with the submission

  1. Appropriate ACORD Application
  2. Builders risk supplemental
  3. Project description and completed value
  4. Construction schedule

Response time: 1 business day

Start submissionSupplemental form

Real Estate

Habitational & Lessor's Risk

Apartments, condo associations and buildings leased to others.

  • General Liability
  • Property
  • Excess

Eligibility highlights

  • Apartments, LRO and mixed-use
  • Statement of values required
  • Roof, wiring and plumbing update dates

Send with the submission

  1. Appropriate ACORD Application
  2. Lessor's risk supplemental
  3. Statement of values / location schedule
  4. Loss runs up to 5 years, if possible, or no-loss letter

Response time: 1 business day

Start submissionSupplemental form

Real Estate

Vacant Buildings

Unoccupied commercial and residential structures, renovation or listed.

  • General Liability
  • Property

Eligibility highlights

  • Vacant and unoccupied buildings
  • Renovation plans and securement details required

Send with the submission

  1. Appropriate ACORD Application
  2. Vacant building supplemental
  3. Location schedule and photos
  4. Loss runs up to 5 years, if possible, or no-loss letter

Response time: 1 business day

Start submissionSupplemental form

Real Estate

Landowners & Vacant Land

Raw land, hunting tracts and land leased to others.

  • General Liability
  • Property

Send with the submission

  1. Appropriate ACORD Application
  2. Landowners supplemental
  3. Acreage and location schedule
  4. Loss runs up to 5 years, if possible, or no-loss letter

Response time: 1 business day

Start submissionSupplemental form

Events

Special Events

Festivals, concerts, fairs and one-off event exposures.

  • General Liability
  • Liquor Liability

Send with the submission

  1. Appropriate ACORD Application
  2. Special events supplemental
  3. Event details and attendance
  4. Vendor COIs and participant waivers

Response time: 1 business day

Start submissionSupplemental form

Human Services

Childcare & Daycare

Daycare centers, preschools and after-school programs.

  • General Liability
  • Property
  • Excess

Send with the submission

  1. Appropriate ACORD Application
  2. Child care supplemental
  3. Licensing and staff-to-child ratios
  4. Loss runs up to 5 years, if possible, or no-loss letter

Response time: 1 business day

Start submissionSupplemental form

Retail

Convenience Stores

C-stores and small grocers, with or without fuel and packaged liquor.

  • General Liability
  • Property
  • Liquor Liability
  • Excess

Send with the submission

  1. Appropriate ACORD Application
  2. Convenience store / grocery supplemental
  3. Receipts by category
  4. Loss runs up to 5 years, if possible, or no-loss letter

Response time: 1 business day

Start submissionSupplemental form

Services

Health & Exercise Facilities

Gyms, studios, personal trainers and fitness instructors.

  • General Liability
  • Professional Liability

Send with the submission

  1. Appropriate ACORD Application
  2. Health & exercise supplemental
  3. Receipts by activity
  4. Participant waivers and instructor certifications

Response time: 1 business day

Start submissionSupplemental form

Services

Security Guards

Armed and unarmed guard services and patrol operations.

  • General Liability
  • Inland Marine
  • Excess

Send with the submission

  1. Appropriate ACORD Application
  2. Security guard supplemental
  3. Armed vs. unarmed payroll split
  4. Loss runs up to 5 years, if possible, or no-loss letter

Response time: 1 business day

Start submissionSupplemental form

Recreation

Guides & Outfitters

Hunting, fishing, rafting and adventure guide operations.

  • General Liability
  • Professional Liability

Send with the submission

  1. Appropriate ACORD Application
  2. Guides & outfitters supplemental
  3. Description of guided activities
  4. Licensing and certifications

Response time: 1 business day

Start submissionSupplemental form

Agriculture

Farm & Ranch

Working farms, ranches, agritourism and equine exposures.

  • General Liability
  • Property

Send with the submission

  1. Farm & ranch application
  2. Location and equipment schedule
  3. Crop and livestock detail
  4. Loss history (3 years)

Response time: 1 business day

Start submissionSupplemental form

Contractors

Owners & Contractors Protective (OCP)

Project-specific liability protecting the owner for a named contractor.

  • General Liability

Send with the submission

  1. Appropriate ACORD Application
  2. OCP supplemental
  3. Project description and location
  4. Contractor certificate of insurance

Response time: 1 business day

Start submissionSupplemental form

Cyber

Cyber Liability

First- and third-party cyber for commercial accounts of any size.

  • Cyber

Send with the submission

  1. INVO cyber supplemental
  2. Revenue and record count
  3. Loss runs up to 5 years, if possible, or no-loss letter

Response time: 1 business day

Start submissionSupplemental form

Services

Tanning Salons

Tanning, spray tan and adjacent personal-care services.

  • General Liability
  • Professional Liability

Send with the submission

  1. Appropriate ACORD Application
  2. Tanning salon supplemental
  3. Gross receipts and services offered
  4. Safety procedures and client waivers

Response time: 1 business day

Start submissionSupplemental form

The market in your state

Real estate and rental and leasing in Tennessee, by the numbers

Public U.S. Census Bureau counts for NAICS 53, the industry this division writes most. Use them to size the opportunity before you prospect, then search INVO's appetite for the class.

Establishments
6,750
Employees
37,962
Annual payroll
$2.2 billion
Counties with activity
90

Largest counties by establishments: Davidson (1,236 establishments, 8,455 employees); Shelby (1,001 establishments, 7,963 employees); Knox (628 establishments, 3,768 employees).

Source: U.S. Census Bureau, County Business Patterns 2021, retrieved 2026-10-05 from api.census.gov. Payroll is the Census annual payroll figure for the year shown; it is not a premium estimate.

Search Tennessee markets for lessors risk

Questions

Commercial Specialty FAQ

The questions agents ask most before sending an account.

Still unsure? Ask an underwriter.

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