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Call Center: (586) 795-8200

Over 35 years of continuous dedicated service

We'd like to take this opportunity to introduce ourselves. Please take a moment to read on since it could be an important step towards making your office a full service agency.

Special Risks was formed in 1971 to operate as a managing general agent and surplus lines broker. From an original staff of 2, we've increased to a current staff size of approximately 35. We have offices here and in Arizona.

We pride ourselves in only representing the finest of companies, most of which enjoy "A" Bests ratings. Many are familiar names you hear throughout the industry time and time again.

Our underlying business philosophy has been and continues to be that of offering the very best of service. Because of this, we only employ the finest of underwriting talent available. A majority of the business can be quoted within our office which means, if necessary, can be quoted the same day.

The underwriting department consists of 4 divisions. A brief mention of each with its respective products listing follows:

Personal Lines

  • Motorcycle
  • Mobile Home
  • Travel Trailer
  • Personal Watercraft and Boats
  • ATVs
  • High Valued Homeowners


  • Truck/Tractor Auto Liability and Physical Damage
  • Public Auto Liability and Physical Damage
  • Garage Liability
  • Cargo
  • Garagekeepers Legal Liability/Dealers Open Lot
  • Aircraft Hull/Liability Coverage

Specialty lines

  • Excess Commercial Auto/General Liability
  • Excess Personal Auto Liability
  • Commercial Umbrella
  • Personal Umbrella
  • D & O (Profit or Non-Profit)
  • E & O
  • Professional Liability
  • Pollution Liability
  • Employment Practices Liability

Commercial Property / Casualty

  • Property
  • CGL
  • Liquor Liability
  • SMPs
  • EZ Rate Contractors Program
  • General Contractors Program
  • Products Liability
  • Owners & Contractors Protective
  • Special Events
  • Inland Marine

It should be noted the listing above is general in nature and the only lines of business we do not entertain are Primary Private Passenger Auto Liability, Workmens Compensation and Homeowners Coverage other than high valued (over $1,000,000) dwellings.

Although normally we can not compete with your conventional (Standard) carriers, our rates and commissions stand tall when compared with other managing general agents/brokers.

We use the most modern technology available and employ a full time data processĀ­ing department to stay abreast of current availability of equipment.

We strive towards simplification. Therefore, we have also developed a premium finance company. Why not handle both the insurance & premium financing through the same location? Insta Prem, our premium finance company has been in existence for over 28 years. You'll find their rates competitive and service impeccable.

In closing, we would like to invite you to contact our office between the hours of 8:30 A.M. & 4:30 P.M. Monday thru Friday. Please feel free to speak to any member of our staff regarding any questions you might have.



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