DeCotis Specialty Insurance

DeCotis Specialty Insurance DeCotis is an independent Surplus Lines Wholesaler & MGA. We help agents with hard-to-place risks. Any wholesale broker can provide an agent with a quote.

Founded in 1992, DeCotis Specialty Insurance is an independently owned and operated surplus lines wholesaler headquartered in Providence, Rhode Island. We provide independent insurance agents with access to property and casualty commercial and personal products at competitive prices and terms in the surplus lines and specialty markets. However, agencies looking for exceptional underwriting knowled

ge and local expertise to help them make sure they have the right solutions for their insureds team up with DeCotis.

Through the DeCotis online Agent Quote Center, agents can gain instant access to A++ rated carriers, including USLI. Sea...
06/18/2026

Through the DeCotis online Agent Quote Center, agents can gain instant access to A++ rated carriers, including USLI. Seamlessly quote, bind, and issue comprehensive coverage for a diverse range of exposures, including:

• Special Events
• Commercial Lines
• Professional Lines
• Nonprofit Packages

Discover more: https://decotis.usli.com/.

More equipment on the move means higher exposure for your clients. Spring is the peak season for contracting and landsca...
06/16/2026

More equipment on the move means higher exposure for your clients. Spring is the peak season for contracting and landscaping work, making it essential that they have the proper coverage for their assets.

When clients frequently need to move their machinery and tools between job sites, the risk of damage, theft, vandalism, and more increases.

Our exceptional underwriters bring decades of perspective to help you customize coverage for high-value mobile assets. Let us help you protect your busy clients. Visit our website to learn more: https://bit.ly/3PQQfqX.

When a major storm hits a coastal community, homeowners quickly learn that their standard home insurance policies often ...
06/11/2026

When a major storm hits a coastal community, homeowners quickly learn that their standard home insurance policies often have major gaps. To truly protect your clients' coastal investments—and your reputation as a trusted advisor—there are three specialized coverages you should discuss adding with them today:

1️⃣ Primary and Excess Flood
2️⃣ Excess Wind & Wind Deductible Buyback
3️⃣ Ordinance or Law Coverage Increased Limit

Partner with a DeCotis underwriter. We specialize in designing customized, layered insurance programs that fit seamlessly over primary policies. Be the hero who offers true peace of mind in the face of coastal challenges. Reach out to our team today: https://bit.ly/49uUq2m.

As we reflect on Independent Insurance Agents of Rhode Island's InsureCon, we're grateful for the opportunity to reconne...
06/10/2026

As we reflect on Independent Insurance Agents of Rhode Island's InsureCon, we're grateful for the opportunity to reconnect with our valued agency partners, build new relationships, and strengthen our ties within Rhode Island's insurance community.

Pictured left to right: Tom DeCotis, Jocelyn Dewey, Jessica Wrigley, Lori Lyle, Deb Cute, and Tyler Reissmann from Carey Richmond & Viking.

The DeCotis team is heading to INSURCON. We always look forward to reconnecting with our local industry partners and for...
06/08/2026

The DeCotis team is heading to INSURCON. We always look forward to reconnecting with our local industry partners and forging new connections at this annual event hosted by the Independent Insurance Association of Rhode Island.

Tom DeCotis, Jocelyn Dewey, Jessica Wrigley, Ludmila Koval, Jessica Bergstrom, Chris-Michael Carangelo, Deb Cute, Lori Lyle, Karin Carlson, Laurie Lambert, Krystal Johnson, and Brittni Mucciaccio, will be representing our team.

If you plan to attend, stop by and say hello.

The commercial property market is finally showing signs of stabilization. However, large, complex schedules still face i...
06/04/2026

The commercial property market is finally showing signs of stabilization. However, large, complex schedules still face intense underwriting scrutiny.

To secure competitive pricing and well-organized structures, you need a dedicated E&S team with underwriting knowledge and market relationships to pull a program together for your clients.

DeCotis helps retail agents through the process by:
• Leveraging primary and excess layers to drive down the total cost of risk.
• Securing wind and flood limits for CAT-exposed portfolios.
• Placing challenging mixed-use, habitational, and vacant schedules that standard markets won't touch.

Bring your largest property schedules to a team that knows how to tell your clients' risk story: https://bit.ly/49uUq2m.

Hearing feedback like this from Mackenzie Hannigan at Bayside Insurance Underwriters reminds us why we love what we do. ...
06/02/2026

Hearing feedback like this from Mackenzie Hannigan at Bayside Insurance Underwriters reminds us why we love what we do. Our goal is always to go beyond providing wholesale insurance solutions to build lasting relationships rooted in trust and a shared commitment to excellence.

When your clients fill their calendars with pool parties, they assume they’re fully covered. But a serious pool-related ...
05/29/2026

When your clients fill their calendars with pool parties, they assume they’re fully covered. But a serious pool-related accident can quickly result in liability claims that exceed the limits of a standard homeowners policy.

Partner with DeCotis to bridge the gap. Our Primary and Excess Liability Coverage can give your clients peace of mind and help solidify your position as their trusted insurance advisor.

Be the hero this summer. Fast turnarounds on quotes start here: https://bit.ly/4wVEujH.

As an independent agent, you know the frustration. You are working on a risk, everything looks promising, and a rigid st...
05/27/2026

As an independent agent, you know the frustration. You are working on a risk, everything looks promising, and a rigid standard market guideline abruptly disqualifies the account.

However, a decline from an admitted carrier does not mean you have to lose the client. It simply means it is time to pivot to a specialist.

At DeCotis, we help independent agents bridge the gap between standard appetite and hard-to-place risks. We provide sophisticated placement strategies across both Commercial Lines and Personal Lines, ensuring you retain your clients and protect your book of business.

Here are specific triggers where the standard market often falls short, and where DeCotis can deliver a solution:

• The 60-day vacancy v***r - vacant or partially occupied building
• Buildings undergoing structural renovations
• Older frame buildings
• Risks with prior claims or multiple water losses
• The high-value market gap
• Hidden environmental exposure
• Homes with unusual liability exposures (dogs, pools, trampolines, fi****ms)
• Homes with business operations on premises
• Amusement devices and entertainment risks
• Liquor-heavy operations – restaurants/bars with liquor sales over 50%

Got a tough risk on your desk today? Let’s find a solution: https://decotis.com/.

With the DeCotis online quote center, you have the power to deliver fast, competitive options to your clients instantly....
05/21/2026

With the DeCotis online quote center, you have the power to deliver fast, competitive options to your clients instantly. We’ve partnered with leading carriers like Hiscox to make sure you have the best small business solutions right at your fingertips.

Check it out: https://bit.ly/4nzYLah.

Address

245 Waterman Street
Providence, RI
02906

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

Telephone

+14013510066

Website

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