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Union Specialty
Union Specialty

A modern wholesaler,
built for habitational risk.

We combine cutting-edge tech with deep brokerage expertise. You spend up to 80% less time on placements. E&S made easy.

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Our solutions

Specialists by design.

Union Specialty focuses exclusively on hard-to-place hab. We offer flexible solutions across the full spectrum of habitational classes and are most competitive on small and middle market accounts. Our carrier partners share our commitment to the niche.

Target classes

Homeowners & small landlords

Package and monoline solutions, including for high-value homes and properties in CAT-exposed areas.

Apartments, condos, and townhomes

Solutions ranging from single buildings to 1,000-unit, 30-location schedules.

Residential associations

Liability and association property coverage for homeowners', condominium owners', and townhouse associations.

Mixed-use properties

Solutions available for any habitational/LRO split and a wide range of occupancies including retail, offices, medical practices, and hospitality.

Specialized & distressed properties

Broad appetite for mobile home parks, student, senior, and subsidized housing, assisted living facilities, and single-room occupancy properties.

Vacant dwellings

Customized coverage for short- and long-term vacancies.

Supported states

California

Incl. coastal & CAT-exposed zones; expansion into additional states planned for 2026

Core products

Property & GL

Monoline or package, with quake, flood, and a wide range of other endorsements available

Available limits

Up to $200M TIV

Schedules of up to 1,000 units and 30 locations; primary and excess capacity available for both property and casualty coverage

Target premium

Starting at $1,000

Broadest range of competitive solutions for small and middle market accounts

Easy

Work with us any way you like.

We adapt to your workflow, not the other way around. Send risks through our portal, by email, or by voice—our AI extracts every detail from your materials, layers in third-party data, and pre-fills up to 80% of carrier questions.

Voice

Call with insured

12:47 · transcribed

Email

Forwarded email

from kim@allianceins.com

“Sending over the package for 14339 Haynes St. Loss runs and SOV attached…”

Portal

New submission

app.unionspecialty.com

Short nameHaynes Apartments
Target premium

Existing documents

4 documents extracted

  • loss-run.pdf
  • ACORD-125.pdf
  • SOV.xlsx
  • dec-pages.pdf

Third-party sources

37 records auto-matched

Property recordsBusiness register extractsPermitting dataRisk scoresOld policy docs
Pre-fills

Apartment building

Property + GL · 14339 Haynes St · 47 units

In progress

AI pre-fill

0%

0 of 42 fields

Year built

1987

Construction

Joisted masonry

Stories

3

Units

47

Sq ft

52,400

TIV

$18.2M

Fast

Your wholesaler should be an accelerator, not a bottleneck.

Submit applications in minutes. Receive indications and quotes within 48 hours—often much faster. And know exactly where your submission stands at any moment.

  1. Mon 9:14 AM

    Submission started

  2. Mon 9:22 AM

    +8m

    Submission sent; 8 carriers engaged

  3. Mon 9:47 AM

    +33m

    Carrier feedback: 5 indications, 3 declines

  4. Tue 9:22 AM

    +24h 8m

    Bindable quote received

  5. Tue 9:25 AM

    +24h 11m

    Policy bound

Transparent

Competitive coverage and full insight, every step of the way.

When you work with Union, you get full transparency on how we market your submission and what carriers are saying. We turn market feedback into clear guidance and actionable insight you can use with your customers.

Atlas Specialty

Ready to bind

$18,400 / yr

Pacific Casualty

Quoted

$21,600 / yr

Consolidated E&S

Engaged

Quote expected within 12 hrs

AB General

Declined

Pre-1970s buildings out of appetite

Real-time status by carrier

Recommended

Atlas Specialty

Pacific Casualty

Consolidated E&S

Declined

AB General

Pre-1970s buildings out of appetite.

Premium / yr
$18,400
$21,600
$19,800
GL Limits
$2M / $5M
$2M / $5M
$2M / $5M
Deductible
$10,000
$15,000
$12,500
Medical expense
$150,000
$100,000
$125,000
Wind / hail
Included
Included
Sublimit
BPP
$1.2M
$1M
$1M
Loss assessment
$25k
$50k
$25k

Granular quote comparison

Inbox · Mail

U

Union Specialty

9:47 AM

to kim@allianceins.com

14339 Haynes St—3 quotes received

Hi Kim, great news—we have 3 quotes for yesterday's submission. All limits as requested, premiums range from $18.4K to $21.6K. Atlas Specialty is the most competitive. They need answers to 6 follow-ups before binding (see below). Reply here or view all details on the portal.

U

Union Specialty

Hi there, can you help out with a mobile home park in Riverside County? Non-renewal, policy expires Monday.

Absolutely. We have several options and can handle both GL and property, up to 120 sites. Ready to start a submission?

union.com/submit

Highly responsive in any channel

M

Meridian

Risk Partners

Proposal

Mobile Home Park

Sunnyside Estates

N

Northstar

Insurance Group

Single Family
Home

87 Oak Street, Berkeley

Insurance Proposal ·  

A

Alliance

Insurance Brokers

 

Insurance Proposal

Apartment Building

14339 Haynes St

Client-ready proposals, with one click

Coming soon

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