INSURANCE CARRIER
Berkley Aspire
Excess and surplus lines commercial insurance for hard-to-place Georgia business risks.
Commercial Lines - Georgia
- File a claim 866-412-7742 · Mon-Fri 7:30am-4:30pm MT
- Online Account & claims portal
- After hoursEmail submissions accepted 24/7 at [email protected]. Phone claims line 866-412-7742 option 3 reaches a claims professional during business hours; after-hours calls go to voicemail and are returned the next business day.
Coverage Focus
What this carrier writes
Overview
About This Carrier
Berkley Aspire is the excess and surplus lines arm of W.R. Berkley Corporation. Surplus lines markets exist for commercial risks that admitted carriers decline or cannot price competitively. For Georgia businesses with high-hazard operations, unusual industry classes, complex claims history, or emerging business types, Berkley Aspire is often the right placement. Non-admitted status means the Georgia Guaranty Fund does not apply. Available through Olive Cover to place coverage in Georgia.
Strengths
What This Carrier Does Well
Surplus lines appetite for Georgia commercial risks admitted markets decline
Capacity for complex and unusual industry classes that require specialty underwriting
Part of W.R. Berkley Corporation, a commercial insurance organization founded in 1967
Limitations to Know
Where They Fall Short
Non-admitted surplus lines status means Georgia Guaranty Fund protection does not apply
Premium higher than admitted markets reflects risk profile; not competitive for standard business classes
Policy language and terms may differ from admitted market equivalents in ways that matter at claim time; clients should review manuscript forms carefully before binding
Right Fit
Who They Are Best For
Best Fit For
Non-standard commercial risks and specialty businesses that the admitted market declines, including unique operations, higher-hazard classes, and businesses with prior losses.
Not a Good Fit For
Standard commercial businesses that qualify for admitted market carriers. Berkley Aspire is a surplus lines option for non-standard commercial risks only.
Appetite & Coverage
What They Write
- Line of Business
- Commercial Lines - Georgia
- Coverage Types
- Surplus lines commercial package, general liability, workers comp (specialty), commercial auto (specialty), professional liability (specialty), cyber
- States Available
- GA and most US states through surplus lines
- Commercial Lines States
- GA and most US states through surplus lines
- Max Business Revenue
- Writes across revenue ranges; limited by risk class rather than size
- BOP Appetite
- Writes surplus lines commercial packages for hard-to-place commercial risks
- Industry Classes
- Roofing, demolition, high-hazard construction, hospitality, habitational, specialty manufacturing, cannabis-adjacent, emerging industries
Pricing & Claims
What to Expect
Best Pricing For
Hard-to-place Georgia commercial risks the admitted market declines. Most competitive on construction-related surplus lines placements including roofing, demolition, hospitality, and habitational.
Pricing Context
Berkley Aspire prices surplus lines commercial risks competitively when admitted carriers are unavailable or have declined.
Claims Experience
Established surplus lines commercial claims infrastructure. Adjusters have experience with the complex claim scenarios that lead businesses to surplus lines placements.
Admitted Status: Non-admitted (surplus lines) for most Georgia commercial placements
Olive Cover, the brand of Olive Insurance Services, LLC, is your independent insurance agent. We help you file your claim and advocate on your behalf. Coverage decisions on any claim are made by your insurance carrier under the terms of your policy.
Quick Facts
At a Glance
Common Questions
Frequently asked questions
When do we use Berkley Aspire for Georgia commercial insurance?
Berkley Aspire is the excess and surplus lines (E&S) arm of W.R.