High-Risk & Declined
Losses, violations, or a cancellation on record? Start here.
Why Cargova
Same coverage. Different outcome.
We work the file by hand
An agent picks which markets see your submission. On a hard file that's most of the outcome.
We tell you when to walk
If this isn't the coverage you need, you'll hear that before you hear a price.
We stay after the bind
Filings, certificates, renewals — the same agent, not a queue.
In short
What high-risk placement is.
A decline is a routing problem, not a verdict. Different markets tolerate different histories, and which market sees your file first changes the answer.
Limits, deductibles and exclusions depend on your operation and the carrier writing it.
Scope
Generally in, generally out.
A rough map. Your policy wording governs — ask your agent about anything here.
Typically addressed
- Access to non-standard and surplus lines markets
- Presentation of loss history in context
- A plan to move back to standard markets over time
Typically not
- Any promise of acceptance or price
- Removal of items from your MVR or loss runs
Free · No obligation
Quote my high risk
Four fields. A licensed agent reviews it and calls you back — no auto-quote, no bot pricing.
High Risk questions
I've been declined three times. Is it worth trying again?
Often yes — three declines from the same tier of market is one data point, not three. What changes the outcome is which market sees the file and how it is presented.
Will I be stuck paying this forever?
No. Clean time is the strongest lever you have. Your agent should be re-marketing your file as the record ages.