Business Details
Your Trusted Source for Personal Lines Insurance Solutions
National Risk Solutions (NRS), a division of Hull & Company, LLC, represents the next generation of wholesale insurance solutions. Our business model integrates advanced technology with personalized service to streamline access to personal lines insurance products. By eliminating traditional wait times in the wholesale marketplace, we empower agents to obtain quotes 24/7 through intuitive online systems, phone, or live chat. Our dedicated Customer Service Center provides comprehensive support for claims, billing, endorsements, and underwriting inquiries, ensuring same-day responses for urgent matters.With a focus on subject matter expertise and individualized attention, we deliver fast turnaround times and preferred market access across all 50 states, both admitted and non-admitted. Our team specializes in coastal, high-value, and unique property risks while maintaining partnerships with stable carriers rated A.M. Best A or higher. Through innovative platforms like Bind Express and geoSource, we combine technical efficiency with human expertise to simplify complex insurance processes for agents and policyholders alike.
Services
Homeowners Insurance
Flood Insurance
Condo Programs
Comprehensive Personal Liability
Umbrella Products
Highlights and features
- We provide 24/7 online quoting and binding capabilities for personal lines insurance.
- Our dedicated Customer Service Center handles claims, billing, and underwriting inquiries.
- We specialize in high-value, coastal, and unique property risk assessments.
- Our team offers same-day responses for quote requests and account management.
- We maintain partnerships with A.M. Best-rated carriers across all 50 states.
Associations and certifications
- A.M. Best
Services
Homeowners Insurance
We offer comprehensive homeowners insurance covering primary residences, seasonal properties, and vacant homes. Our policies protect against common risks including fire, theft, and natural disasters while providing options for high-value and coastal properties. With replacement cost coverage and flexible policy terms, we ensure tailored protection for diverse property types across all 50 states.
Flood Insurance
Our flood insurance solutions include primary and excess coverage with limits up to $45 million. Available in all states, these policies cover building and contents replacement costs with competitive pricing aligned with NFIP standards. We offer specialized options for coastal risks, commercial properties, and high-exposure areas with streamlined claims processing through dedicated service teams.
Comprehensive Personal Liability
This service provides liability protection for property owners with limits up to $1 million. Coverage includes personal injury, dog liability, and third-party water damage claims. We serve 1-2 family dwellings, condos, and vacant land with flexible terms for high-profile individuals and properties undergoing construction or renovation across multiple locations.
Condo Programs
Our condo insurance programs cover owner-occupied units, rentals, and seasonal properties with options for coastal exposures. Policies include building, content, and liability coverage up to $1 million with specialized forms for primary, secondary, and vacant units. We support both admitted and surplus lines requirements through A.M. Best-rated carriers.
Umbrella Products
Umbrella insurance policies provide additional liability coverage beyond primary policies. Available in increments up to $5 million, these products protect against catastrophic losses for homeowners, condo owners, and property investors. We offer customized solutions with flexible underwriting criteria and multi-policy discounts for comprehensive risk management.
People
Kathy Sofarelli
Profit Center Leader
Kathy leads NRS's strategic growth initiatives with extensive experience in wholesale insurance markets and technology-driven distribution models.
Michelle Dennard
Customer Service Supervisor
Michelle manages the customer service team, ensuring efficient claims processing and policyholder support with over 15 years in insurance operations.
Ananka Willocks
Senior Account Executive
Ananka specializes in personal lines underwriting, providing market access solutions for agents with complex risk profiles and specialty coverage needs.
Richelle Ingram
Account Executive
Richelle supports agent networks with policy submissions and risk assessments, focusing on coastal and high-value property insurance solutions.
Paula Sanchez
Account Executive
Paula provides technical expertise for flood and liability insurance products, assisting agents with underwriting guidelines and compliance requirements.
Questions
What personal lines insurance products do you offer?
We provide homeowners, flood, condo, comprehensive personal liability, and umbrella insurance products with specialized coverage for coastal and high-value properties.
How can I obtain an instant quote?
Use our 24/7 online quoting system or contact us at (888) 875-1969 for immediate assistance from our account executives.
Do you operate nationwide?
Yes, we offer coverage in all 50 states through admitted and non-admitted carriers with expertise in state-specific requirements.
How are claims handled?
Our dedicated Customer Service Center manages claims processing, endorsements, and underwriting questions with same-day response guarantees.
What payment options are available?
Our Bind Express portal supports multiple payment methods for direct billing to insured parties or mortgage companies.
Can I get coverage for unique properties?
Yes, we specialize in unique homes, older properties, wind coverage, and personal article floaters with tailored risk assessments.
