Your Complete Source! 

Contact Us Today: (505) 357-0339

​Fax: 877-770-2115

  • Counseling Centers
  • Day Care Facilities
  • Flea Markets                
  • General Contractors
  • Halfway Houses           
  • Home Health Care        
  • Hunting Clubs              
  • Lessor's RiskLiquor
  • Liability              
  • Manufacturers
  • Mercantile Classes        
  • Mobile Home Parks
  • Motels/Hotels  
  • Medical, Dental, Hospital or Surgical Supplies Manufacturing
  • Metal Erection
  • Plastic or Rubber Goods Manufacturers
  • Rifle, Pistol and Archery Ranges
  • Welding or Cutting Operations
  • Sporting Goods or Athletic Equipment Manufacturing
  • Toys or Games Manufacturers
  • Trailer Manufacturers


  • Adult Day Care
  • Alarm Installers
  • Amusement Rides
  • Apartments
  • Bar/Tavern
  • Building Demolition
  • Catering
  • Churches
  • Clubs - Civic, Service or Social
  • Commercial Property Owners
  • Condominium and Homeowners' Association
  • Convenience Stores
  • Community Associations
  • Corporate Directors & Officers
  • Employment Practices
  • Insurance Agents Errors & Omissions (Not available in CA)
  • Non Profit Directors & Officers
  • Property Managers
  • Public Officials
  • Real Estate Agents Errors & Omissions (Not available in CA, TN or TX)
  • Real Estate Office Package (Not available in CA, TN or TX)
  • Recruiters Package
  • Specified Errors & Omissions
  • Specified Professions Package
  • Technology Errors & Omissions

Business Coverage includes but is not limited to the following: Minimum Premium $500

General Liability

AFIG can write over 1,000 classes of Commercial General Liability business under binding authority. Our ability to quote most risks quickly and accurately, combined with our low minimum premiums is what separates us from others in excess and surplus lines insurance.

Commercial General Liability Programs include:

  • Offices                        
  • Outfitters & Guides       
  • Pawn Shops
  • Refuse, Garbage Collection                              
  • Rental Dwelling Program
  • Restaurants/Delis         
  • Security and Patrol Agents                               
  • Shopping Centers
  • Special Events
  • Swim & Racquet Clubs
  • Truckers                       
  • Welders

E-Z Rate Contractor Program

Coverages are all placed with "A" rated non-admitted carriers using the ISO simplified comprehensive general liability form including completed operations, $5,000 medical payments and $100,000 Damage to Premises Rented. Minimum premiums start as low as $500.

Artisan and Specialty Classes Programs include:

  • Flea Markets
  • Grocery Store
  • Halfway Houses - including Professional
  • Laundromats
  • Martial Arts Studios
  • Motels/Hotels
  • Pawn Shops
  • Pool Halls
  • Restaurants/Delis                                         
  • Retail Shops
  • Tanning Salons
  • Warehouses

Property & Package Programs

AFIG is an aggressive market for all forms of property and package business. Our in-house capacity is to $1,000,000. This, coupled with quick quotes and binders and quick policy issuance, is what separates our facilities from other less capable outlets.

Property and Package Programs include:

  • Landscape Gardening
  • Lawn Care Services
  • Logging & Lumbering
  • Masonry
  • Metal Erection
  • Painting
  • Paperhanging/Wallpapering                        
  • Plumbing
  • Pressure Washing
  • Septic Tank Systems
  • Sewer Cleaning
  • Sheet Metal Work
  • Siding Installation
  • Sign Erection - Installation, Service and Repair
  • Sign Painting or Lettering
  • Swimming Pools - Installation, Service and Repair
  • Telephone or Cable Construction
  • Tile, Stone or Marble Work 
  • Tree Trimming
  • Upholstering                                                   
  • Window Cleaning
  • Water Softening Equipment - Installation, Service and Repair
  • Apartment Houses
  • Bed & Breakfast
  • Barber and Beauty Shops - including Professional
  • Bar and Taverns
  • Bookstore/Video Store
  • Car Washes
  • Churches - including Pastoral Professional
  • Club Program
  • Condominium/Town Homes
  • Consignment Shops
  • Convenience Stores
  • Day Care Centers
  • Appliance Manufacturers
  • Auto Parts Manufacturers
  • Boat or Ship Building
  • Clothing Manufacturing
  • Demolition Contractors
  • Drug Distribution and Manufacturing
  • Imported Products
  • Machine Shops
  • Machinery or Equipment Manufacturers – Installation, Service and Repair

Products Liability/Brokerage

AFIG has a variety of Primary Casualty, Excess and Umbrella Markets available to suit your needs. We write everything from simple risks, like Artisan Contractors, to more difficult accounts, like Product Liability. We provide quick turn around on risks that are a submit class. 
Brokerage classes: Limits of $1,000,000/$2,000,000 primary with umbrella limits available up to $5 million. 

Classes that can be considered:

  • Air Conditioning & Heating        
  • Appliance Repair & Installation              
  • Cable TV Installation                             
  • Carpentry                                 
  • Carpet, Rug or Upholstery
  • Cleaning
  • Ceiling or Wall Installation         
  • Concrete
  • Construction
  • Debris Removal - Construction Site
  • Door/Window Installation
  • Driveway & Parking Area Paving           
  • Dry Wall or Wallboard Installation
  • Electrical Apparatus – Installation and Service
  • Electrical Work (within buildings)
  • Excavation
  • Fence Erection
  • Floor Covering Installation
  • Furniture or Fixture Installation
  • Grading of Land
  • Handyman (residential)
  • Insulation
  • Interior Decorators 
  • Janitorial Services

Vacant Property/Builder's Risk

Hard-To-Place Coverage is easy to find with AFIG

AFIG is one of the largest writers of Vacant property coverage and Builder's Risk coverage, including coastal exposures. Both programs are available for Commercial and Residential properties.

Vacant Property Program

  • Minimum premiums start at $200 for property
  • Minimum premiums start at $250 when including liability
  • Commercial and Residential properties eligible
  • Same day quoting and binding over the phone
  • Policies can be issued from one to 12 months

Builder's Risk Program

  • Minimum premiums start at $200 for property
  • Minimum premiums start at $250 when including liability
  • Ground-up and renovation projects eligible
  • $5,000 premises theft coverage available
  • Commercial and Residential properties eligible

Professional Liability

Professional Liability and Directors & Officers insurance are essential for firms and organizations engaged in assisting or advising with information based upon a specialized body of knowledge or expertise. It is imperative that the agent work closely with the insured to define potential exposures.

Professional Liability usually requires extensive formal education and emphasizes a duty of service to the client. Directors & Officers coverage is a specialized form of Professional Liability for legal expenses and liability to shareholders, bondholders, creditors or others due to actions or omissions by a director or officer of a corporation or non-profit organization.

AFIG is dedicated to offering competitively priced products, broad and unique coverage, and fast policy turnaround time – allowing AFIG to be competitive for this class of business.

Professional Programs include: