# Summit Commercial Insurance, Agency SOPs

Updated June 2026, Alex Carter. This is the working copy. If it conflicts with a carrier contract, the contract wins.

## Appetite and preferred markets

| Class | First call | Alternatives | Notes |
| --- | --- | --- | --- |
| Lessors risk (LRO) | Caprock Specialty | Frontier E&S, Brazos MGA | Restaurant tenants need hood and exhaust contracts on file |
| Self storage | Frontier E&S | Caprock Specialty | Always ask about customer goods legal liability |
| Contractors GL | Brazos MGA | Caprock Specialty | No new roofers |
| Vacant buildings | Caprock Specialty | Brazos MGA | 90 day inspection cycle, no exceptions |
| Habitational | Refer out |  | We do not write habitational in house |

## Fees

- Surplus lines package: policy fee $300, agency fee $500
- Admitted package: agency fee $350
- Monoline commercial auto: no agency fee ($0)

## Coverage standards

- Always offer a $1M umbrella on LRO and self storage risks.
- Quote flood whenever the building value passes $1,000,000.
- Document the TRIA election on every surplus placement, accept or reject.
- Never bind until recalled electrical panels are ruled out in writing.
- Require currently valued loss runs before any renewal remarket.

## Preferred vendors

- Lone Star Inspections, property inspections, San Angelo and Abilene
- Concho Premium Finance, premium financing for surplus placements
- West Texas Roof Reports, roof condition reports for wind and hail underwriting