Markel North American Insurance

At Markel, it's our people who make the difference. Our 70+ years of experience in niche markets enables us to underwrite innovative property and casualty solutions for both standard and hard-to-place risks. We are dedicated to delivering customer service in extraordinary and memorable ways that set Markel apart from our competitors. Our associates represent the Markel Style in their daily work, and our customers are always at the center of everything we do.

We provide more than just a policy
Our existing products are constantly reviewed and refined to make certain they are meeting the distinct needs of the marketplace.
Our flexible insurance programs can be customized to give you the protection you need at a price you can afford.
Should the unexpected occur and you need to file a claim, you can rest easy knowing that our claims team is experienced, responsive, and can deliver fast and fair claims service.
We offer loss control services which are tailored to each of our niche industries. Our loss control materials are designed to help keep our policyholders safe and reduce the risk of an insurance loss.

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Agriculture/Farm

The Markel® Difference Insurance coverage designed for your agricultural and horse operations. Markel Specialty has a network of exclusive insurance agents with lifetime industry experience, backed by a team of Markel Specialty associates with expertise in providing insurance solutions for your animal, farm, and business needs. With over 50 years of insuring horse owners, farms and equine operations, we have specialized policies to cover everyone from the private horse owner to your farm.Explore our insurance solutions cattle CATTLE FARM AND RANCH Package protection including coverage for your dwellings, farm structures, property, and liability. LEARN MORE horse COMMERCIAL EQUINE OPERATIONS Designed specifically for most types of horse-related businesses. LEARN MORE tractor FARM AND RANCH Protect yourself with wide-ranging insurance options designed specifically for farm and ranch owners. LEARN MORE horseshoe FARRIER Liability and property coverage options designed just for horse farriers. LEARN MORE boot HORSE CLUB AND ASSOCIATION Protection your club may need for owned or leased premises, public event days, and various club functions. LEARN MORE farm HORSE FARM AND RANCH Insurance coverage for your home, property, and horses – including coverage if your horse causes an accident or injury. LEARN MORE horse HORSE MORTALITY Helps cover the financial cost of death, theft, or humane euthanasia for your horses. LEARN MORE horse PRIVATE HORSE OWNER Protect yourself if your horse injures someone or damages property, both on and off your premises. LEARN MORE riding helmet RIDING INSTRUCTOR AND HORSE TRAINER Insurance protection for businesses providing horse training, riding lessons, and more. LEARN MORE award SHOW ANIMAL CLUB Insurance protection that encompasses events, property, members, spectators, and volunteers. LEARN MORE saddle THERAPEUTIC RIDING CENTER We’ve partnered with PATH Intl to offer customizable coverages to protect you and your business. LEARN MORE – https://www.markelinsurance.com/horse-and-farm

Crimes, Bonds, Surety, Fidelity

We provide superior financial security and outstanding service to Fortune 2000 and smaller commercial accounts. We offer a variety of Commercial Surety bonds typically used by mid to large-size corporations and entities; from single bond needs to programs up to $500 million. Commercial surety bonds for long-term growth and success Commercial bonds may be required to comply with local, state, and federal regulations. The commercial surety market is a competitive arena. We respect that you have a variety of surety options and ask for the opportunity to earn your business by demonstrating our commitment to the long term growth and success of our partners. TARGET INDUSTRIES Markel Surety supports the needs for all types of businesses, from small to multinational companies, as well as individuals, nonprofits, associations, and franchises. Our focus is on public and strong private companies, including the following industries: Aerospace Chemical and energy Construction Developers Energy Entertainment Financial Healthcare Hospitality Manufacturing Municipal solid waste haulers Pharmaceutical Professional services Retail Service contractors Transportation Wholesale and distribution And more

Inland Marine

Markel Inland Marine practice group was built with deep industry expertise in underwriting, claims and products. This robust team of experts has the ambition to help our partners and customers manage complex risks with tailored insurance solutions. Wide variety of industry classes for businesses with commercial inland marine exposures. Customized solutions based on the unique needs of our customers for over 200 classes of commercial inland marine businesses available. Admitted and non-admitted offerings for all of our marine products. TARGET INDUSTRIES construction CONSTRUCTION Coverage tailored to customers in the construction industry for builders risk, contractors equipment, installation, and riggers liability exposure. TRANSPORTATION Coverage tailored to customers who store or ship materials including motor truck cargo, shippers interest, contingent cargo, railroad, and warehouseman’s legal liability. TECHNOLOGY For technology companies, coverage for electronic data processing equipment, medical equipment, cellular equipment, towers and communication equipment, and telecommunications/fiber optics. Additional capabilities MOBILE EQUIPMENT COVERAGE Available coverage for customers with mobile equipment in agricultural, oil and gas, ports and terminals, and equipment dealers. OCEAN CARGO Coverage available for goods in transit for a wide variety of industries. INLAND MARINE PROPERTY Coverage available for various industries including contractors, wholesalers, distributors, and equipment dealers as well as customers with special risks including tanks and contents, bridges and tunnels, pipelines, fine arts, jewelers block, and entertainment equipment.

Ocean Marine

Help keep clients afloat with Markel’s ocean marine insurance solutions. We have a variety of policy forms tailored to help meet your needs. We’re an industry leader in ocean marine insurance. Our claims team will help clients recover from a loss with efficiency, knowledge, and transparency. TARGET INDUSTRIES MARINAS AND BOAT DEALERS MARINE MANUFACTURERS DOCK AND MARINE CONTRACTORS marine liability MARINE ARTISANS MARINE RELATED SPECIAL EVENTS ocean marine TUG, BARGE, AND VESSEL OWNERS Coverage options Markel has developed marine insurance solutions for almost any business on the water by providing admitted and non-admitted marine packages in a single policy tailored specifically to the needs of your client. Available coverages include: MARINE LIABILITY General liability, marina operators legal liability, marine contractors legal liability, protection and indemnity, ship repairers legal liability, stevedores legal liability, terminal operators legal liability, and wharfingers legal liability MARINE PROPERTY Boat dealer inventory, building and contents, business income, hull physical damage, inland marine equipment, marine builders risk, and piers, wharfs, and dock coverage EXCESS Excess liability and excess dock coverage

Small Commercial

Your business is our specialty. We focus on creating custom insurance solutions so that you can focus on what you do best. 70+ years of experience and knowledge of niche markets help us guide small businesses. We are dedicated to delivering quality customer service from our experienced claims staff to our risk engineering team, offering tailored solutions to help protect your business. Our claims professionals specialize in the industries and communities we serve and understand the importance of getting your business back on track as quickly as possible.

Workers Compensation

No matter how many safety precautions are followed in the workplace, unexpected accidents happen and employees can become ill due to workplace conditions. Workers compensation insurance, sometimes referred to as workman’s comp or workers comp, helps protect both employees and employers if someone is injured on the job or develops a work-related illness. The Markel Specialty workers compensation policy provides benefits for: Lost wages and benefits Medical care and rehabilitation services Legal representation and compliance services Funeral expenses Examples of workplace injuries that could be covered by workers comp insurance include injuries from lifting heavy objects, slipping and falling, or exposure to chemicals or fires. The injury or illness must have occurred due to a work-related event in order for workers compensation benefits to apply. Who needs workers compensation insurance? In almost every state, there are laws requiring certain types of businesses to carry workers compensation insurance. Since it can be expensive and time-consuming to determine whether an injured employee or the employer is “at fault” in a workplace accident, workers compensation laws provide a consistent and fair way to handle the costs and compensation of work-place injuries and occupational diseases. Laws in most states require workers compensation once a business has reached a certain number of employees. Talk to a Markel Specialty insurance agent for advice on the laws in your state. If a business does not carry the required coverages, they could face fines or penalties for breaking state law.

Motorcycle / ATVs

Your bike is your passion. Protecting it is ours. For more than 45 years, Markel Specialty has provided motorcycle insurance for riders just like you. We understand that a motorcycle needs specialized coverage. Unfortunately, many insurance companies don’t seem to get this. They often times cobble together a motorcycle policy from an auto policy and use it for as many customers as possible. At Markel, that’s never the case. We offer customizable motorcycle insurance, which means your policy is made to the exact specifications of who you are, how you ride, and what sort of coverage you need. We have a policy for almost any type of bike, including: Cruisers Touring motorcycles Sport bikes Sport-touring bikes Big twins Street bikes Scooters/mopeds Dirt bikes Trikes Custom motorcycles What can motorcycle insurance cover? Your motorcycle reflects who you are as an individual. It’s taken a whole lot of time, money, and energy to turn it into the jaw-dropping machine it is today. That’s where we come in. Our motorcycle insurance lets you protect your bike and its accessories with a customizable policy. When getting a motorcycle insurance quote from us, you can choose from a variety of coverage options to build a policy that fits your needs—and your budget. Coverage for your motorcycle Coverage for you Coverage for others Additional coverage Collision With Markel Specialty’s collision coverage, your bike’s repairs or replacement costs (minus your deductible and subject to the settlement type terms) are covered in the event of an accident caused by collision or upset. Pick the deductible that works best for you: $250, $500, $1,000, $1,500, or $2,000. Comprehensive Comprehensive coverage helps pay for damage to your bike (minus your deductible and subject to the settlement terms) caused by a non-collision event, such as fire, theft, vandalism, or hitting a deer. Your deductible options are $250, $500, $1,000, $1,500, or $2,000. Accessory coverage Markel Specialty’s collision and comprehensive coverages include $1,000 of accessory coverage. You can also purchase additional coverage in $1,000 increments up to $30,000. When deciding on the amount of accessory coverage you need, anything that is different from the stock unit, as produced by the manufacturer, is considered an accessory and should be included in your accessory value in order to be covered. Also, don’t forget your riding gear—leathers, helmet, riding boots, goggles/glasses (if used exclusively for riding). Use our motorcycle accessory checklist to determine the value of all your custom parts and accessories. Uninsured/underinsured motorist property damage This coverage can provide additional insurance protection against damage to your motorcycle caused by a motorist who has no insurance or insufficient coverage and is considered at fault. Mechanical breakdown coverage This optional coverage helps cover the cost of specific components in the event of a mechanical breakdown, depending on the year, make, and model of the insured motorcycle. Trailer coverage Insurance protection for trailers designed specifically for pulling behind a motorcycle or trike and towed exclusively by the insured vehicle.

Motorcycle

Off Road Vehicle

ATV insurance designed for the way you ride Experience the freedom to ride wherever the trail takes you. Whether you’re four-wheeling or working muddy fields, protection means more than just wearing safety gear and driving responsibly. It also means protecting yourself and your all-terrain vehicle with specialized off-road vehicle insurance. That’s where we come in. Unlike some insurance companies that treat an off-road vehicle as an afterthought or add-on, we create specialized policies that recognize the unique hazards you face when clawing through rough terrain on your ORV. In fact, our coverage features options that many homeowners or auto insurance carriers may not provide—extras such as diminishing deductibles and protection for accessories like your snowplow, bow rack, custom seats, or hitch. Why do I need ATV insurance? An ATV insurance policy will cover you if you ride on or off of your property and if you trailer your off-road vehicle to another location. It’s also important to keep in mind that a lot of state-owned and public parks require ATV insurance in order to ride on their trails. Your ATV may not have coverage in these three areas if it is included under your homeowners or auto insurance policy. With ATV insurance from Markel Specialty, you can drive however far off the beaten path you want to go. It’s the freedom and peace of mind that comes with every Markel Specialty policy. Get a free online quote today. What can ATV insurance cover? It’s a simple fact. Your ATV or UTV may need protection that’s different from what your auto or homeowners insurance can provide. That’s why our specialized off-road insurance coverage is tailored to help meet your unique needs. Coverage for your ATV or UTV Collision Dents, scratches, and mud splatters on your quad are a badge of honor. Colliding with a tree and smashing the entire front end? Well, not so much. Enter Markel Specialty’s collision coverage. It can provide insurance protection in the event of an accident caused by a collision or upset. Deductible options are $500, $1,000, $1,500, or $2,000. Comprehensive Fire. Theft. Vandalism. Or even hitting a deer. With comprehensive UTV and ATV insurance coverage, you don’t have to worry about replacing your quad. This coverage provides insurance protection for damage to your quad caused by a non-collision event. ATV and UTV insurance costs vary according to the deductible options: $500, $1,000, $1,500, or $2,000. Accessory coverage Accessory coverage is for items not included as standard by the manufacturer of your ATV/UTV. These can include, but are not limited to, plows, windshields, racks, safety guards, custom seats, radios, and even your helmet and riding gear (if used exclusively with the insured ORV). Accessory packages ranging from $500 to $30,000 are available. Uninsured/underinsured motorist property damage This coverage can provide additional insurance protection against damage to your ATV or UTV caused by a motorist who has no insurance or insufficient coverage, and is considered at fault. Coverage for you Medical payments coverage Sometimes health insurance just doesn’t cover every medical bill. That’s where medical payments coverage enters the picture. It can provide excess medical payments coverage (after other medical coverage) for the insured off-road vehicle’s operator or passenger regardless of fault, subject to coverage limit and deductible. Uninsured/underinsured motorist bodily injury This coverage can provide insurance protection for your injuries or death if you are involved in an ATV/UTV accident with a motorist who has no insurance or insufficient coverage, and is considered at fault. Funeral expense coverage Coverage up to a predetermined amount for funeral expenses associated with an ATV/UTV accident resulting in the death of an insured person who was occupying the insured ATV/UTV. Coverage for others Bodily injury liability As you well know, riding an all-terrain vehicle or utility terrain vehicle can be dangerous—even for the safest and most experienced riders. Bodily injury liability coverage can help protect you if you’re at fault in an ATV/UTV accident that causes injury, sickness, or death to someone else. Property damage liability Many of us have been there. That is, taking out a neighbor’s fence or accidentally damaging something on their property. Markel’s property damage liability coverage can provide insurance protection if you’re at fault in an ATV/UTV accident that causes damage to someone else’s property.

Special Events

Add Markel Specialty event insurance to your guest list Because every little detail matters. Your special event has taken you months to plan. And if everything goes right, it will be a smashing success. But how often does everything go according to plan? You may have never thought about it this way, but there can be financial repercussions to almost any hiccup that could occur before or during your event. Thankfully, there’s Markel Specialty event insurance to help you recover or repay for many of those situations. We offer coverage for a variety of events, including: Weddings Anniversary parties Baby showers Baptisms Bar or bat mitzvahs Birthday parties Housewarming parties Memorial services Quinceañeras Retirement parties Special achievement receptions And much more What is event insurance? Whether it’s a birthday party, anniversary, or baby shower, organizing a thoughtful event requires meticulous planning, not to mention a lot of energy. With over 15 years of experience providing special event insurance, we know things don’t always go as planned. That’s why we help you safeguard your investment with affordable event insurance. Our event insurance policies can cover non-refundable deposits, cancellation costs, and even injuries or damage during your event. Why do I need event insurance? Many vendors do not offer refunds regardless of the reason for cancellation or postponement. More and more venues require clients to purchase a one-day event liability policy because they’re unwilling to take on sole responsibility for damage to their property. If extreme weather causes your venue to be unusable or unreachable, event insurance can help recoup your costs if you have to cancel or move to a new location. (Extreme weather includes a hurricane, tropical storm, or even an epic snowstorm. The average summer thunderstorm would not be covered.)* Homeowners insurance often doesn’t provide enough protection. Typically, homeowners policies will only cover the event if it’s located at the home of the host and will only cover event liability, not cancellation. Don’t let the unexpected ruin your special day. Get a free online quote today. What can event insurance cover? Event liability insurance Event cancellation insurance Business and corporate event insurance Event liability insurance can help protect you from financial loss if you are held legally responsible for property damage to the venue or bodily injury to someone injured at your event. Coverage highlights include: Bodily injury and property damage liability – up to $2 million in coverage available Host liquor liability insurance available Venues can be named as “additional insured” on the certificate of insurance for no additional cost Coverage can be purchased up to 1 day before your event Event cancellation add-on – for only $50, you can add $5,000 of event cancellation coverage to your Markel Specialty event liability policy Best of all, Markel Specialty’s event liability coverage is guaranteed to meet your venue’s insurance requirements, or your money back! Actual claim example^: An antique statue at the venue was knocked over and broken while the policyholder was cleaning up after their event. Our event liability policy paid out almost $2,000 to purchase a new statue for the venue. ^These examples are provided for illustrative purposes only. Any claim submitted under the policy would be evaluated on its own merits and facts compared to the terms of the policy.

Wedding

Help protect your big day with Markel wedding insurance Because peace of mind should always be on the guest list. Your wedding day has taken you months to plan. And if everything goes right, it will be a smashing success! But how often does everything go according to plan? You may have never thought about it this way, but there can be financial repercussions to almost any hiccup that could occur before or during your wedding. Thankfully, there’s Markel Specialty wedding insurance to help you recover or repay for many of those situations. What is wedding insurance? Markel Specialty wants you to relax and enjoy your big day. That’s why we help you safeguard your investment with affordable wedding insurance. Our wedding insurance policies can cover non-refundable deposits, lost or stolen gifts, cancellation costs, and even injuries or damage during your wedding. Why do I need wedding insurance? Many wedding vendors do not offer refunds regardless of the reason for cancellation or postponement. More and more venues require clients to purchase a one-day event liability policy because they’re unwilling to take on sole responsibility for damage to their property. If extreme weather causes your venue to be unusable or unreachable, wedding insurance can help recoup your costs if you have to cancel or move to a new location. (Extreme weather includes a hurricane, tropical storm, or even an epic snowstorm. The average summer thunderstorm would not be covered.)* Homeowners insurance often doesn’t provide enough protection. Typically, homeowners policies will only cover the wedding if it’s located at the home of the bride or groom and will only cover wedding liability, not cancellation. Don’t let the unexpected ruin your special day. Get a free online quote today! What can wedding insurance cover? Wedding liability insurance Wedding cancellation insurance Wedding liability insurance can help protect you from financial loss if you are held legally responsible for property damage to the venue or bodily injury to someone injured at your event. Coverage highlights include: Bodily injury and property damage liability – up to $2 million in coverage available Host liquor liability insurance available Venues can be named as “additional insured” on the certificate of insurance for no additional cost! Coverage can be purchased up to 1 day before your event Event cancellation add-on – for only $50, you can add $5,000 of event cancellation coverage to your Markel Specialty event liability policy The policy can cover your ceremony, reception, rehearsal dinner (within 48 hours of your event), and even set-up and removal (within 24 hours of the event). Best of all, Markel Specialty’s event liability coverage is guaranteed to meet your venue’s insurance requirements, or your money back! Actual claim example^: A confetti cannon left stains on the venue’s dance floor. Our wedding liability insurance policy paid out almost $3,000. ^These examples are provided for illustrative purposes only. Any claim submitted under the policy would be evaluated on its own merits and facts compared to the terms of the policy. How much does wedding insurance cost? The cost of wedding liability insurance can range from $75 to $235, depending on coverage limits and coverage options chosen. Our liability limits start at $500,000 and you can choose to exclude liquor liability coverage if there is no alcohol being served at your wedding. Wedding cancellation insurance starts as low as $130. The cost is based on your overall wedding budget, so you can make sure you have the most coverage for all of your deposits and expenses. Get a quote online to find out what it will cost to protect your special day. Get total protection for your wedding and save! Save up to 15% by purchasing both wedding liability and wedding cancellation coverage, and rest easy knowing your wedding is protected**.

Watercraft/Boats

Markel Specialty – the boat insurance specialists Protecting you out on the water for over 45 years. At Markel Specialty, we understand all boats are not equal and require different kinds of insurance coverage. That’s why we tailor your boat insurance policy to fit your individual needs. We take into consideration what kind of boat you own and what activities you enjoy with it. For example, if you own a fishing boat, we offer optional fishing equipment coverage. Or, if you enjoy water-skiing, we provide watercraft liability insurance. So, whether you own an antique boat, power boat, ski boat, sail boat, fishing boat, pontoon, or pleasure boat, we have the right boat insurance coverage for you. Why do I need boat insurance? It only takes one incident to realize your need for boat insurance. It may feel like you don’t need coverage if you only use your boat a few times a year, but in reality, each time you are on the water you are at risk of an accident. Since you can never tell when you may need insurance, it’s important to protect your boat at all times—no matter how little you use it. If your boat is insured under your homeowners policy, there’s a good chance your boat and gear may not be properly protected. When you insure your boat with Markel Specialty, you can get extras that other insurance carriers (like your homeowners) may not even offer. And if they do, you might have to pay extra for them. Our boat insurance coverage can include such things as water-sport liability, medical payments coverage, and diminishing deductibles.