Business Details
Your Trusted Insurance Partner for Personal Lines
National Risk Solutions, a division of Hull & Company, LLC, redefines wholesale insurance through a technology-driven model prioritizing service excellence and personalized solutions. Our approach eliminates traditional delays by connecting agents directly to markets via 24/7 online quoting systems, ensuring instant access to quotes and support. With a dedicated customer service team available Monday through Friday from 8 AM to 5 PM EST, we provide tailored assistance for personal lines products, including homeowners, flood, and umbrella insurance. Our partnerships with stable, A.M.Best-rated carriers enable coverage in all 50 states, while our Bind Express billing portal offers flexible payment options. Backed by decades of industry experience and a commitment to innovation, we deliver fast turnaround times, same-day binding, and comprehensive support for claims, billing, and underwriting inquiries, positioning ourselves as a trusted partner for agents seeking efficient, reliable insurance solutions.
Services
Homeowners Insurance
Flood Insurance
Condo Programs
Personal Article Floater
Umbrella Products
Comprehensive Personal Liability
Dwelling Fire Coverage
Excess Flood Coverage
Wind Coverage
Unique Homes Insurance
Highlights and features
- We offer 24/7 online quoting systems for instant access to insurance solutions.
- Our dedicated customer service team provides personalized support during business hours.
- We partner with A.M. Best-rated carriers for stable, nationwide coverage options.
- Fast turnaround times for quotes, endorsements, and same-day binding.
- Specialized expertise in high-risk personal lines products like flood and coastal insurance.
Associations and certifications
- A.M. Best
Services
Homeowners Insurance
We provide comprehensive homeowners insurance tailored to protect primary residences, secondary homes, and high-value properties. Our policies cover structural damage, personal belongings, and liability risks, with options for coastal, older homes, and unique properties. Available in all 50 states through admitted or non-admitted carriers, our solutions ensure flexibility and stability for agents and policyholders.
Flood Insurance
Our flood insurance products offer primary and excess coverage for residential and commercial properties, including dwellings, condos, and multi-family units. Policies provide replacement cost coverage, competitive pricing, and limits up to $5 million for building and contents. With no waiting periods for mortgage closings and fast claims processing, we address flood risks in coastal and inland areas nationwide.
Comprehensive Personal Liability
This service delivers standalone liability protection for individuals and entities owning 1-2 family dwellings, condos, or vacant land. Coverage includes personal injury, dog liability, and host liquor liability, with limits up to $1 million. Eligible for direct billing in select states, it supports high-profile clients and properties with unique risk profiles while excluding farms and assisted living facilities.
Condo Programs
We offer specialized condo insurance programs for owners and renters, covering building structures, personal property, and liability. Policies accommodate coastal exposures, secondary residences, and short-term rentals, with coverage limits up to $500,000 for dwelling protection. Available in most states, these programs integrate personal liability and medical payments, excluding high-risk regions like California and Florida for certain coverages.
Personal Article Floater
This service provides enhanced coverage for high-value personal items such as jewelry, art, and collectibles. Designed to supplement standard policies, it protects against risks like theft, damage, or loss, with customizable limits and terms. Ideal for clients requiring specialized protection for unique or costly possessions, ensuring comprehensive asset security beyond traditional homeowners insurance.
People
Kathy Sofarelli
Profit Center Leader
Kathy leads NRS's strategic growth initiatives, leveraging over two decades of insurance expertise to enhance agent partnerships and streamline operations.
Michelle Dennard
Customer Service Supervisor
Michelle oversees NRS's customer service team, ensuring prompt, accurate support for agents and policyholders through her decade-plus experience in insurance operations.
Ananka Willocks
Senior Account Executive
Ananka specializes in personal lines underwriting, guiding agents through complex risk assessments and market placements with her deep industry knowledge and client-focused approach.
Richelle Ingram
Account Executive
Richelle supports agents with policy submissions and market access, combining technical expertise with responsive service to optimize client outcomes in personal lines insurance.
Paula Sanchez
Account Executive
Paula provides tailored insurance solutions, focusing on flood and liability products, with a commitment to resolving agent inquiries efficiently and effectively.
Questions
What personal lines insurance products do you offer?
We specialize in homeowners, flood, condo, umbrella, and comprehensive personal liability insurance, with options for unique properties and high-risk exposures.
Can I get a quote outside of business hours?
Yes, our 24/7 online quoting system allows instant access to rate calculations and policy submissions for eligible risks.
Are your insurance products available nationwide?
Yes, we provide coverage in all 50 states through partnerships with A.M. Best-rated admitted and non-admitted carriers.
Do you offer payment flexibility for policies?
Yes, our Bind Express billing portal supports multiple payment options, including direct billing to insureds or mortgage companies.
What sets NRS apart from other wholesalers?
We combine technology-driven efficiency with personalized service, fast turnaround times, and specialized expertise in hard-to-place personal lines risks.
