Talk about complicated.  Recently, an agent in Houston sought out Combined Group to broker a multi-faceted insurance package for a large food products distribution company.

"Given that the company distributes shellfish and other products that may trigger allergies, they had some unique liability issues," says Wade Wrobel, Middle Market Team Leader at Combined Group.  "In addition, their location gave them windstorm exposure, which added another layer to the mix."

Wrobel says that after negotiating with various carriers, Combined Group's Middle Market Team quoted most of the standard lines with one carrier and went to a surplus market for the property, developing a customized insurance package that satisfied both the insured and his agent.

"Our job is to satisfy our agents by saving them time, giving them options and making them look good to their clients," says Wrobel.  "Our 'soup-to-nuts' approach gives agents access to all lines of insurance through a large number of carriers that they may not otherwise be able to shop.

"What makes Combined Group unique is that we don't charge our agents a monthly fee or require minimum annual production," says Wrobel.  "Many agents have told us they appreciate the flexible solutions we offer to make their jobs easier."

Combined Group's Middle Market group offers standard and surplus markets for multiple lines, including property, general liability, commercial auto, worker's compensation, umbrella, and professional lines.  To learn more, call (800) 275-3193 or email MidMkt@combinedgroup.com.