Union Specialty Insurance Solutions opens for business in California

Union Specialty Insurance Solutions is now appointing retail agencies across California. The firm is a new wholesale brokerage built for habitational risk by a team of industry veterans. Union offers property and general liability solutions, monoline or package, for the full spectrum of California habitational classes, with primary and excess capacity up to $200M TIV.

California is the largest insurance market in the country, and one of the hardest to place. Admitted carriers have steadily withdrawn from California habitational property and liability, and the retail agencies left behind spend more time placing fewer risks. The state needs better solutions: tuned to the market’s complexity, quoted quickly, backed by carriers that actually want the business.

Union Specialty Insurance Solutions is built for that gap. Its solutions span the full range of California habitational—homeowners and small landlords, apartments, condos and townhomes, residential associations, mixed-use properties, specialized and distressed housing, and vacant dwellings. Target premium starts at $1,000, with broad appetite on small and middle market accounts. Submissions can be sent through the firm’s portal, by email, or by voice; AI-native operations pre-fill carrier questions, layer in third-party data, and return indications and quotes within 48 hours. Union’s carrier partners are aligned on the same niche, with real appetite for California business.

California is home to some of the country’s best habitational retail agencies. Union Specialty Insurance Solutions is built to be the wholesale partner those agencies turn to on their hardest placements.