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Do you enjoy researching and finding the right insurance coverages for your business? Do you find insurance interesting? Chances are the answer to both questions is no, and that’s ok! The reality is insurance is an integral part of your business. In the situations we all hope never happen, insurance can save your business, your family, and your employees. As important as it is, though, many business leaders don’t understand it and don’t have the time to dedicate to getting it right. And, when not done right, you could pay the price at the worst possible time.

USG Insurance Services, Inc. is a national wholesaler and managing general agent (MGA) with 18 offices across the country and the ability to write in all 50 states. Built from the ground up by some of the top executives in insurance, USG continues to expand operations nationwide while providing innovative solutions for the risk management industry. The USG team consists of experts divided not by territory, account size, or coverage who can help meet all commercial insurance account needs. We are problem solvers for all commercial lines coverages and specialize in hard-to-place risks, providing our agents with focused expertise and solutions. In 2016, USG is celebrating 15 years in business and continues to outpace industry growth metrics with a state-of-the-art Service Center, Marketing Department, and IT Department. We have also branched out into several specialty divisions, including AAU: Allied American Underwriters, Brokers Financial Services, BFS Inspections, Into Innovations, and Aureate. Our forward-thinking technology continues to evolve through our proprietary system, I3x, that expedites quote process and policy service; and through the launch of a new online and phone quoting system, INS LINK, that will streamline small transactional accounts and bring in additional opportunities nationally. USG's corporate office is located in Tampa, Florida; and our flagship office is located in Canonsburg, Pennsylvania. Contractors Pollution Liability Site Specific Pollution Restoration Contractors Asbestos Abatement Mold Remediation Storage Tanks AST's/UST's Refuse Hauler

LET CMS PUT THE PIECES TOGETHER FOR YOU!!! We have the Pollution and/or Environmental Products you are looking for. General Liability, Contractors Pollution Liability, Professional Liability and Environmental Impairment Liability are all available on a package or standalone basis. A brief overview is below: GENERAL LIABILITY (GL) Targeted Business - Environmental / Abatement contractors and consultants. Manufacturers and distributors seeking products pollution, site pollution, or contractors pollution coverage. CONTRACTORS POLLUTION LIABILITY (CPL) Targeted Business - General Contractors, Trade Contractors and Environmental Contractors. Coverage for lead, asbestos, mold and transportation pollution liability. PROFESSIONAL LIABILITY (PL) Targeted Business - Environmental Consultants (Excluding Disaster restoration contractors) Basis of Coverage - Occurrence or Claims Made basis. Available Limits - Up to $10,000,000 / $10,000,000 Minimum Premiums - $2,500.00 ($4,000.00 for a 2 year term) Available States - NY, NJ, CT, PA, FL Submission Requirements - Acord, Supplement and Loss Runs New Business E-mail address - rverdi@cmsrisk.com or newbiz@cmsrisk.com Fax # for new submission - (516)799-8602

...Hazardous and Non-hazardous Waste Haulers • Professional Liability • Lender’...

The Pollution Legal Liability (PLL) policy protects the Insured from loss arising from pollution conditions at or emanating from the insureds site(s). It covers cleanup costs, as well as bodily injury and property damage resulting from pollution conditions. Certain business interruption costs can also be covered. The PLL policy form contains four coverage parts that can be individually selected to address the specific needs of the insured: (a) Cleanup Costs, Bodily Injury and Property Damage resulting from Pollution Events commenced prior to the Policy Retroactive Date; (b) Cleanup Costs, Bodily Injury and Property Damage resulting from Pollution Events commenced after the Policy Retroactive Date; (c) Business Interruption; and (d) Cleanup Costs, Bodily Injury and Property Damage at Non-Owned Locations. A partial list of our target insureds in the design professional marketplace includes the following: Real estate owners and developers Manufacturing and Industrial facilities Food processing facilities Chemical manufacturers Bulk storage terminals and distribution facilities Recycling facilities Power industry Waste treatment, storage and disposal facilities Program Highlights: Covers both on and off-site cleanup costs, bodily injury and property damage. Covers both sudden and gradual pollution events. Multi-year policies available. Coverages can be tailored to suit needs of Insured. Up to $25M available limits.

Contractors Pollution Liability (CPL) is a contractor-based policy, offered on a claims-made or occurrence basis, that provides third-party coverage for bodily injury, property damage, defense, and cleanup as a result of pollution conditions (sudden/accidental and gradual) arising from contracting operations performed by or on behalf of the contractor. Contractors Pollution Liability is available to any type of contractor performing operations or conducting work. From environmental or remedial contractors to general and specialty trades, CPL has become a viable financing option for environmental loss providing insurance for large or even catastrophic loss scenarios at a reasonable premium All types of contractors can be considered for pollution coverage: oilfield and energy contractors, Asbestos and lead abatement, remediation, emergency response, storage tank installation/removal, painting, plumbing, electrical, general construction, artisan contractors, grading, excavation, HVAC, mold remediation, drilling, industrial cleaning, dredging, pipeline, sewer and septic, wrecking, roofing, insulation, carpentry, etc. Broad definition of pollution conditions, including fungi for clients facing mold liability • Property Damage definition includes Natural Resource Damages • Transportation Pollution Liability can be included • Emergency Response Costs • Blanket non-owned disposal site coverage and project excess requirements Coverages: • Potential environmental losses for work performed by or on behalf of Named Insured • Sudden and accidental pollution events • Mold coverage available on claims made or occurrence triggers • No exclusions for construction defects or water intrusion • Long Term Tail Coverage/Completed operations available on project placements • Claims Made or Occurrence Triggers available • Built in Completed Operations coverage on the occurrence form • Coverage for owned or leased locations available Contact us for more information on our Contractors Pollution Liability program!

Allen Financial Insurance Group has provided wholesale insurance products and services through it's national network of insurance producers and brokers since 1971. Our commitment to customer service, broker support and technical innovation has made Allen Financial one the fastest growing specialty insurance providers in the United States today. The Equestrian Group The Equestrian Group stands for innovation and quality in the equestrian and agribusiness insurance community. In fact, we invented many of the policy forms and endorsements now considered standard coverage for the horseowner today. Thanks to years of underwriting experience The Equestrian Group has developed these high quality insurance programs for your protection. This guarantees our clients the highest quality insurance products at the most competitive premiums. Entertainment & Recreation Insurance The Competitive Advantage! In today's highly competitive business environment you need every advantage to succeed. That's especially true when it comes to selecting your specialty insurance programs. Since Allen Financial's superior line of insurance policies are designed for the entertainment, media and recreation industries, you get very broad coverage at a highly competitive price. This gives you the protection you need and the cost savings you demand. As a national insurance broker we have access to every major insurance company in the United States. As a national general agent we regularly quote, bind and issue your policy on the same day! At AFIG Entertainment excellence is not an act but a habit.