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VGM Underwriters' large and diverse portfolio of coverages and classes of business allows us to create comprehensive, customized solutions for your clients.  We have binding authority access with several carriers where we can turn a quote around for you the same day. Send your quotes to us for a quick response!

Coverages Available Include:

  • Commercial general liability
  • Commercial property
  • Commercial package policy
  • Crime and fidelity
  • Commercial inland marine
  • Garage liability
  • Sports accident and liability
  • Liquor liability
  • Excess/umbrella liability
  • Professional liability
  • Directors and officers liability
  • Homeowners
  • Dwelling fire
  • Flood and earthquake
  • Personal liability and umbrellas
  • And much more!

Classes of Business:

Classes of business we can write include Allied Healthcare, contractors, habitational, real estate, service, manufacturing, auto dealers and garages, and personal lines.

Allied Healthcare

  • Home Health Care / Temporary Staffing
  • Hospices
  • Physical Therapy Clinics
  • Home Medical Equipment Dealers
  • Othotics and Prosthetics Manufacturers / Distributors
  • Medical Testing and Imaging Laboratories
  • Dialysis Centers
  • Outpatient Drug and Alcohol Rehabilitation
  • Outpatient Mental Health Counseling
  • Case Management

Contractors- Residential and Commercial

  • General Contractors- including 100% sub-contracted
  • Excavators, demolition contractors
  • Artisan contractors
  • Boat Dock construction
  • Landscapers, exterminators, tree trimmers, pest control
  • Roofers
  • Welders

    Construction workers

Habitational- Apartments & Condos

  • Motels, Extended Stay
  • Single Family Dwellings
  • Mobile home parks
  • Bed & Breakfast


Real Estate- Including Vacant Buildings

  • Office buildings
  • Retail and Shopping Centers- Strip Malls, Pawn Shops, Consignment Shops and Flea Markets

    Real Estate


  • Bars, Taverns, Nightclubs – Including Liquor Liability
  • Restaurants- Fast Food, Casual Dining & Deli
  • Daycares- Adult and Children
  • Sports & Youth Camps – All Classes
  • Garage, Auto Repair, Parts Stores, Auto Dealers
  • Alarm installation, detective or investigative
  • Home Healthcare
  • Special Events

    Coffee shop

Manufacturing - Including Non-sprinklered and Unprotected

  • Plastics/Testiles, Furniture/Wood, Foundry


Auto Dealers and Garages

  • Auto Repair, Auto Dealers, Parts Stores, Rental Dealers

    Auto Dealers and Garages

Personal Lines

  • Single Family Dwellings, Homeowners

    Personal Lines


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