Specialty E&S (Excess & Surplus) focuses on small commercial liability and property business on a non-admitted basis. We write property and liability insurance products for nearly 600 classes of business, with a focus on contractors, restaurants/bars/taverns, commercial buildings, and convenience stores.

Send your submissions to specialty@nsminc.com for quick quote turnaround.


Target Classes:

 Apartments  Warehouses
 Buildings – Lessors Risk Only  Handypersons
 Special Events  Hotels & Motels
 Vacant Buildings  Mercantile Risks
 Convenience & Grocery Stores  Manufacturers & Distributors
 Day Care Centers  Restaurants, Bars, & Taverns
 Exercise/Health Studios  Garage Service Operations
 General & Artisan Contractors   And Many More


Program Highlights:

  • “A” Rated Carriers
  • In-house, Expert Underwriters
  • Online Quotes with Quick Turnaround
  • Competitive Commissions
  • Excellent Service
  • Available in All States
  • Hundreds of Eligible Classes

Commercial Casualty

We provide liability coverage for standard non-admitted risks for small to medium-sized accounts.

Maximum Limits:

Preferred: $1,000,000 per occurrence & $2,000,000 aggregate

Available: $5,000,000 per occurrence

Coverage Available:

 Commercial General Liability  Abuse & Molestation
 Miscellaneous Professional Liability  Employee Benefits Liability
 Non-owned & Hired Auto  Liquor Liability

Commercial Property

Our primary interest is in small to medium-sized risks, and coverage is provided using standard ISO Cause of Loss forms – basic, broad, and special.

Maximum Limits:

All Classes: $1,000,000 in exposure per location

Select Classes: $10,000,000 in exposure per location

Coverage Available:

 Commercial Property  Contractors Equipment
 Building  Crime
 Business Income/Extra Expense  Equipment Breakdown
 Business Personal Property  Miscellaneous Property
 Commercial Inland Marine


Contact Us:

Program Director
Joe Mossbrook
P: 610-808-9499
F: 610-941-9077

To send a submission, please email specialty@nsminc.com.

Director of Claims
David Gagliardi
P: 610-808-9519