About CVI’s Commercial Lines
Surplus Lines Commercial Insurance Specialists | La Crescenta, California | CA License 0G58010
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Steve McClure, Producer, CSR
Most brokers tell contractors their risk is too difficult to place. That call usually ends with a referral to another generalist who says the same thing. Steve McClure joined CVI’s surplus lines practice specifically for those calls — the oil and gas operators, cell tower contractors, mining companies, and UST owners that admitted carriers decline on sight. CVI’s team of licensed specialists places these risks every day.
With 15+ years in commercial insurance and an MBA in Finance from Pepperdine University, Steve brings underwriting literacy and direct E&S market access to every account he works. No call centers. No automated quoting systems. No handoffs.
CA License 0G58010 | NPN 13684036 | TX License 2554191
What Makes CVI Different
There is no shortage of insurance brokers. There is a significant shortage of brokers who understand the surplus lines market, know how to present a high-hazard risk to an E&S underwriter, and can get a certificate of insurance issued that actually passes a towerco or GC compliance audit — including third-party platforms like Avetta and ISNetworld.
CVI operates exclusively in the commercial surplus lines space. We do not write homeowners, auto, health, or standard business package policies. Every account we work is a hard-to-place commercial risk — the kind that requires underwriting knowledge, carrier relationships, and the ability to present a risk narrative that gets a declination reconsidered.
E&S Market Access
Direct relationships with Appalachian Underwriters, AmWins, Colony Specialty, Markel, James River, and other surplus lines carriers that write high-hazard contractor risks.
Technical Depth
Steve understands NCCI and WCIRB classification codes, ISO endorsement forms (CG 20 10, CG 20 37, CG 24 04), MLA requirements, and what Avetta and ISNetworld compliance actually requires.
No Handoffs
CVI assigns every account to a licensed surplus lines specialist who knows your industry. You work directly with someone who understands your risk — not a generalist who has to look up what a towerco is.
COI That Passes Audits
Every endorsement listed on your certificate of insurance is actually in the policy. CVI verifies endorsement pages before issuance — not after a towerco flags a deficiency.
Priority Quoting Available
When you need coverage fast, tell us. CVI works urgently on time-sensitive accounts — submitting to markets immediately and following up aggressively until a quote is in hand. We cannot guarantee a timeline, but we will do everything possible to move yours to the front of the line.
White Papers & Resources
CVI publishes in-depth guides on cell tower insurance, oil & gas coverage, UST liability, mining risks, and more. Free to download — because an informed client makes better coverage decisions. Browse the White Papers library →
Background
Before moving into commercial insurance, Steve worked in the manufacturing sector with firms including Sony, Technicolor, and Quallion (now EnerSys) — in DVD, CD, and Blu-ray disc manufacturing and quality control. That manufacturing background informs how he approaches risk: methodically, with attention to the operational details that determine whether a claim gets paid or denied.
Steve earned a Bachelor of Science in Management (Cum Laude, 2008) and an MBA with an emphasis in Finance from Pepperdine University. He was previously a principal at Foundation Commercial Insurance Services before joining Crescenta Valley Insurance, where he works hard-to-place commercial risks.
Crescenta Valley Insurance has been serving high-risk commercial accounts for over 55 years. CVI’s specialty is placing the risks that admitted market carriers decline — oil and gas, control of well, underground storage tanks, cell tower contractors, mining operations, and environmental liability. These are not sideline products. They are the core of what CVI does.
☰ Industries CVI Specializes In
- Cell Tower Contractors — construction, maintenance, electronics, inspection. GL, WC (ghost policies for owner-operators), inland marine, umbrella. MLA-compliant COIs for American Tower, Crown Castle, SBA, and Vertical Bridge.
- Oil & Gas / Control of Well — blowout, re-drill, seepage, and pollution coverage for drilling contractors and operators. Onshore Texas, Oklahoma, New Mexico, Wyoming, and North Dakota.
- Underground Storage Tanks (UST) — UST liability for petroleum marketers, convenience stores, and fleet operators. Prior release coverage available. Multi-state placements.
- Mining & Quarry Operations — GL, WC, and environmental liability for surface and underground mining operations. Nevada, Wyoming, North Dakota, Alaska, and Pennsylvania.
- Abatement Contractors — asbestos, lead, and mold abatement GL and pollution liability for licensed abatement contractors.
- Environmental & Pollution Liability — EIL (Environmental Impairment Liability), contractors pollution liability (CPL), and site-specific pollution coverage across all licensed states.
Why Surplus Lines?
The admitted insurance market — carriers licensed with state insurance departments and writing on approved forms — declines high-hazard risks for a straightforward reason: their reinsurance treaties don’t support the class, and their rate filings don’t allow them to price it adequately. When an admitted carrier declines your application, it is not a judgment about your business. It is a structural limitation of their market segment.
The surplus lines market (also called the non-admitted or E&S market) exists specifically for risks the admitted market cannot write. Surplus lines carriers are not bound by state-approved rate and form filings. They can write manuscript policies with the specific endorsements, limits, and conditions that a cell tower contractor, UST operator, or oil field drilling company actually needs.
ⓘ How Surplus Lines Placement Works
Before placing coverage through a surplus lines carrier, CVI must conduct and document a diligent search of the admitted market in each state. This is a regulatory requirement under the surplus lines laws of all 13 states where CVI is licensed. CVI handles this compliance process for every account — you do not need to contact admitted carriers yourself. The diligent search documentation is maintained in our files and available on request.
Licenses & States We Serve
CVI is licensed in 13 states for surplus lines commercial insurance placement. Steve McClure holds individual broker licenses in each state listed below.
| State | License Number | Key Specialties |
|---|---|---|
| California | 0G58010 | Cell tower, UST, mining, abatement, environmental |
| Alaska | 3003342548 | Oil & gas, mining, surety bonds, cell tower |
| Arizona | (on file) | Mining, cell tower, environmental |
| Nevada | 3735539 | Mining, cell tower, environmental |
| New Mexico | 13684036 | Oil & gas, COW, UST, cell tower |
| North Carolina | 13684036 | Cell tower, UST, environmental |
| North Dakota | 13684036 | Oil & gas, Bakken formation COW, cell tower |
| Oklahoma | 3001826167 | Oil & gas, COW, cell tower |
| Oregon | 13684036 | Cell tower, environmental |
| Pennsylvania | 1017362 | Cell tower, Marcellus Shale oil & gas, UST |
| Texas | 2554191 | Cell tower, oil & gas, COW, UST, mining |
| Washington | (on file) | Cell tower, environmental |
| Wyoming | 646611 | Mining, oil & gas, COW, cell tower |
NPN: 13684036 | 3156 Foothill Blvd., Ste A, La Crescenta, CA 91214
Work Directly With Steve
Every CVI account is placed by a licensed surplus lines specialist who knows your industry. If you’ve been declined by an admitted carrier, turned away by an online marketplace, or handed off to someone who doesn’t understand your risk — we can help.
📞 (818) 974-8117 ✉ steve@cvins.com Cell Tower Quote Oil & Gas Quote
CA License 0G58010 | TX License 2554191 | NPN 13684036
Licensed in CA, TX, OK, NV, AK, WY, NM, ND, NC, PA, AZ, OR, WA
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