OL&T / Premises

Our underwriting team has a wealth of experience providing OL&T / Premises insurance solutions for difficult-to-insure businesses.

With Aspera, you and your clients will receive a customized underwriting process to deliver competitive solutions fast.

In most cases, we can turn around a quote to you in one hour!

Target OL&T / Premises-related Classes

  • Over 200 Classes including:
    • Adult Entertainment – Club & Shops
    • Amusement / Arcade facilities and events
    • Apartments
    • Churches
    • Condo & Homeowners Associations
    • Convenient Stores
    • Hostels
    • Hotels
    • Lessor’s Risks
    • Motels
    • Office Buildings
    • Restaurants
    • Retail Stores
    • Shopping Centers
    • Special Events
    • Truckers
    • Vacant Building
    • Vacant Land
    • Warehouses

Policy Structure

Policies are written through a non-admitted carrier with a Financial Strength Rating of A (Excellent) by A.M. Best.

  • Commercial General Liability
  • ISO Occurrence coverage form
  • Customized Coverage
  • $1,000,000 / $2,000,000 / $2,000,000 capacity
  • Per Location and Per Project aggregate endorsement
  • Hired and Non-owned Auto (supported)


You can get OL&T/Premises coverage from us in these states:

Company Highlights

Here are a few services you can expect when working with us:

  • Quick responses and quotes, often within 24 hours
  • 12.5{241d69fb6cc1b5cacc5f3e2661eaf0e97e5fed421b543841c6865fd1a2ecc898} Commission on New and Renewal Commercial Accounts
  • 24-hour policy issuance
  • Policies written through a non-admitted carrier with a financial strength rating of A (Excellent) by A.M. Best
Submission Requirements
  • ACORD Commercial Insurance Applications (125 and 126) with description of operations (signed by the insured when bound)
  • Supplemental Application, as appropriate
  • Five Year Summary of Losses
  • Internet website information
Send a Submission
Printable OL&T / Premises Information

Our Commercial Lines Team

Shea Hopkins, Division Manager
(804) 289-1359
LeAn Hatch, Senior Underwriter
(804) 774-2108

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