DeCotis Specialty Insurance

The DeCotis team is heading to INSURCON. We always look forward to reconnecting with our local industry partners and forging new connections at this annual event hosted by the Independent Insurance Association of Rhode Island.

Tom DeCotis, Jocelyn Dewey, Jessica Wrigley, Ludmila Koval, Jessica Bergstrom, Chris-Michael Carangelo, Deb Cute, Lori Lyle, Karin Carlson, Laurie Lambert, Krystal Johnson, and Brittni Mucciaccio, will be representing our team.

If you plan to attend, stop by and say hello.

As an independent agent, you know the frustration. You are working on a risk, everything looks promising, and a rigid standard market guideline abruptly disqualifies the account.

However, a decline from an admitted carrier does not mean you have to lose the client. It simply means it is time to pivot to a specialist.

At DeCotis, we help independent agents bridge the gap between standard appetite and hard-to-place risks. We provide sophisticated placement strategies across both Commercial Lines and Personal Lines, ensuring you retain your clients and protect your book of business.

Here are specific triggers where the standard market often falls short, and where DeCotis can deliver a solution:

• The 60-day vacancy v***r - vacant or partially occupied building
• Buildings undergoing structural renovations
• Older frame buildings
• Risks with prior claims or multiple water losses
• The high-value market gap
• Hidden environmental exposure
• Homes with unusual liability exposures (dogs, pools, trampolines, fi****ms)
• Homes with business operations on premises
• Amusement devices and entertainment risks
• Liquor-heavy operations – restaurants/bars with liquor sales over 50%

Got a tough risk on your desk today? Let’s find a solution: https://decotis.com/.