Schneider Insurance Agency

Shopping for business insurance? Here’s one thing you need to ask:

Is this policy from an admitted or non-admitted carrier?

If that sounds like insurance-speak, here’s the quick version:
👉 Admitted carriers are licensed and regulated by the state.
👉 Non-admitted (surplus lines) carriers are not.

And this difference matters more than you might think.

Surplus lines carriers are important for certain types of businesses, like brand new startups, high-risk trades (roofing, demolition, etc.), or companies that have trouble getting approved elsewhere.

But if your business can qualify for admitted coverage? That’s almost always the safer, smarter choice.

Why? Because no extra fees or taxes, stronger claims protections, state-backed safety nets, and more legal options if something goes wrong.

Not sure what kind of policy you have or what your options are?

We’re happy to help you sort through the fine print and make sure you’re set up right.