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In the mid-1990s, Intercorp, Inc. pioneered the market for Dry Cleaners Pollution insurance to fill a long-standing coverage gap for a niche, high-risk industry. Today, Intercorp continues to give independent agents and brokers access to competitively priced, market-specific environmental liability coverage crafted for dry cleaning operations. Dry cleaners commonly use solvents that are environmental hazards. If released, these chemicals can be costly and complex to remediate and can trigger significant third-party bodily injury or property damage claims. Intercorp’s specialty program is built to help your clients — and the landlords who lease to them — manage those exposures and meet lease or lender requirements. Ideal Accounts and Appetite This program is a strong fit for: • Stand-alone dry cleaners using perchloroethylene (perc) or alternative solvents • Multi-location dry cleaning businesses, including regional chains with drop-off or satellite sites • Tenants in strip malls, shopping centers, or leased commercial space where landlords require environmental coverage • Dry cleaners seeking coverage for prior operations or known environmental conditions Typical appetites include small to mid-size single locations and multi-site accounts. We can consider accounts with historical solvent use or modest past operational concerns when properly documented; accounts with ongoing large-scale remediation or recent major releases require prior notice and may be restricted. Coverage Highlights and Advantages Intercorp’s Dry Cleaners Pollution program places site-specific environmental liability coverage through highly rated carriers. Key coverages include: • Third-party bodily injury and property damage from pollution incidents • On-site and off-site cleanup and remediation costs • Equipment lessors, property managers, and landlords can be added as additional insureds • Claims-made forms with optional extended reporting periods • Policy limits from $500,000 up to $5,000,000 Policies can be tailored to address solvent-specific exposures and typical landlord requirements, helping reduce leasing obstacles and protect tenant operations. Program Features and Flexibility • Policy terms available for one, two, or three years • Multiple locations can be covered under a single policy for streamlined administration • Optional extended reporting periods and other endorsements available • Customized placements through Intercorp’s network of top-tier carriers These features make it easier for you to place accounts where landlords or lenders require environmental protection or where consolidated billing and consistent limits are preferred across sites. Underwriting Notes and Minimum Premiums Minimum premiums vary by state, risk profile, number of sites, and selected limits. Policies are written on a claims-made basis and require timely reporting of incidents within the policy term or any applicable extended reporting period. Standard underwriting asks include current and past solvent use, any known releases, remediation history, and site operations. Territories and Availability Intercorp’s Dry Cleaners Pollution program is available nationwide — all 50 states and Washington, DC — through a variety of admitted and non-admitted markets to provide broad access and competitive options. Why Work With Intercorp, Inc.? As a wholesale broker with decades of environmental insurance experience, Intercorp understands the regulatory concerns, underwriting nuances, and claims issues specific to dry cleaners. We provide: • Direct access to multiple high-quality carriers that underwrite pollution risks for dry cleaners • Experienced underwriting guidance to help document historical solvent use and remediation history • Flexible solutions to satisfy landlord requirements and simplify placement for multi-site accounts Example scenarios you might place through this program: • A single-location dry cleaner converting from perc to a wet-cleaning solvent that needs landlord-required pollution coverage. • A regional chain with 8 drop-off locations that wants one policy to cover all sites and standardized limits for landlords. Help your clients protect their business and meet lease obligations with a targeted Dry Cleaners Pollution policy from Intercorp. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for stand-alone dry cleaners, multi-location operations, and drop-off stores that handle or historically handled hazardous solvents. Can multiple locations be covered under a single policy?Yes. We can include multiple dry cleaning sites, including drop-off locations, under one policy for streamlined coverage and billing. What coverages are included in the Dry Cleaners Pollution policy?Coverage typically includes third-party bodily injury, property damage, on-site and off-site cleanup, and additional insured options for landlords and equipment lessors. What limits and terms are available?Policy limits range from $500,000 to $5,000,000 with one-, two-, and three-year terms available. Optional extended reporting periods can be added. In which states is this program available?The program is available in all 50 states and Washington, DC through our network of carriers. Need help placing an account? Connect with a market specialist.

Claims made products liability with limits up to $5,000,000. Newly formed operations are welcome. Most classes of risk are considered, with the exception of latex glove manufacturers and tobacco products. Minimum premiums start at $5,000, plus applicable fees and taxes. Overview of the Product Liability Program from Bailey Special Risks, Inc. Bailey Special Risks, Inc. offers a specialized Product Liability program designed to help agents and brokers place coverage for a wide range of manufacturing and distribution clients. As a wholesale broker with access to multiple top-tier non-admitted carriers, including Colony Insurance Company and Evanston Insurance Company, BSR provides flexible, competitive solutions tailored to the unique exposures of product manufacturers and importers. Ideal Accounts and Appetite This program is well-suited for both established and newly formed companies involved in the manufacturing, distribution, or importing of products. BSR has a broad appetite and welcomes submissions across most product classes—ranging from consumer goods and electronics to industrial equipment and nutritional supplements. Accounts that typically fit well include: Start-up manufacturers launching new consumer products Importers of household electronics or tools Distributors of industrial or commercial-grade equipment However, please note that risks involving latex glove manufacturing or tobacco products are not eligible under this program. Coverage Highlights and Advantages Claims-made product liability form Limits up to $5 million available Access to experienced underwriters with deep product liability knowledge Flexible underwriting for newly formed entities and harder-to-place risks Non-admitted market access through strong carrier partners Underwriting Notes and Minimum Premiums Minimum premiums for this program start at $5,000, plus applicable fees and taxes. BSR evaluates each submission carefully, considering the nature of the product, distribution channels, and claims history. They are especially open to reviewing newer ventures, provided there is adequate detail and risk management in place. Territories and Availability This Product Liability program is available to agents and brokers placing business in the following states: AL, AR, CA, CO, FL, GA, ID, IL, IN, KS, KY, LA, MD, MA, MI, MS, MO, NJ, NC, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, WV, WI, and WY. Why Work With Bailey Special Risks, Inc. Bailey Special Risks, Inc. brings decades of experience in placing complex product liability risks in the surplus lines market. Their team provides hands-on underwriting support and fast turnaround times, helping agents secure tailored coverage for clients who may not fit standard markets. With strong carrier relationships and a flexible approach, BSR is a reliable partner for brokers seeking solutions for both routine and challenging product risks. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include manufacturers, importers, and distributors of consumer goods, industrial products, tools, and nutritional items. Start-up operations are welcome. Are there any classes of business that are excluded?Yes. This program does not cover manufacturers of latex gloves or any tobacco-related products. Is this a claims-made policy form?Yes, the coverage is offered on a claims-made basis, which is standard for product liability lines. Which carriers are used for this program?Bailey Special Risks works with leading non-admitted carriers such as Colony Insurance Company and Evanston Insurance Company, among others. What is the minimum premium for this coverage?Minimum premiums start at $5,000, plus applicable fees and taxes. Actual pricing depends on the risk profile and coverage needs. Need help placing an account? Connect with a market specialist.

Products Recall Insurance Products Recall Insurance from Alexander J. Wayne & Associates, Inc. is tailored to help agents place coverage for clients facing the complex and costly risks associated with product recalls. Whether your insured is a manufacturer, distributor, or brand owner, our program provides essential protection against both first-party and third-party recall exposures. Overview of the Program From Alexander J. Wayne & Associates, Inc. Product recalls can significantly impact a company's finances and reputation. Our Products Recall Insurance program is designed to cover critical costs incurred during a recall event. This includes customer notification, shipping and disposal of defective products, extra warehousing, staffing for recall efforts, and the expense to replace, refund, or repair the affected products. The program may also include coverage for income loss and brand rehabilitation, depending on underwriting. Alexander J. Wayne & Associates, Inc., a trusted wholesale broker, works with select U.S. carriers and Lloyd’s of London to provide customized solutions for hard-to-place risks. We specialize in helping agents access competitive recall coverage that many standard markets decline to write. Ideal Accounts and Appetite This program is suitable for insureds who sell finished goods under their own label, particularly those who rely on third-party manufacturers or distributors. These clients are often exposed to both first-party and third-party recall liabilities. We welcome submissions from a wide range of industries, including but not limited to: Food and beverage producers Consumer electronics and household appliances Industrial components and machinery Children’s products and toys Automotive parts and accessories You might have a client who imports private-label kitchen appliances sold through national retailers, or a regional food processor distributing under multiple brand names. These are excellent candidates for our program. Coverage Highlights and Advantages The policy typically offers two parts: Part I – First-Party Expenses: Includes costs such as recall notifications, shipping, disposal, warehousing, temporary staffing, income loss, and brand rehabilitation. Part II – Third-Party Liability: Covers damages or losses suffered by downstream customers or third parties as a result of the defective product. Coverage can be selected for Part I only, Part II only, or both, depending on the client’s operational needs. Please note, the policy does not respond to governmental sanctions or regulatory fines. Underwriting Notes and Minimum Premiums Our underwriting team evaluates each risk based on the type of product, distribution chain, recall history, and risk management practices. While minimum premiums vary by risk class and carrier, we focus on delivering solutions for tough-to-place accounts that fall outside of standard underwriting guidelines. Territories and Availability This program is available in most U.S. states, including AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, and WY. Admitted coverage is available in select states; otherwise, coverage is written on a non-admitted basis through domestic and London markets. Why Work With Alexander J. Wayne & Associates, Inc.? With decades of experience serving the wholesale insurance market, Alexander J. Wayne & Associates, Inc. is your go-to partner for specialized recall coverage. We bring deep product knowledge, strong carrier relationships, and responsive service to help you place challenging accounts efficiently. Let us help you deliver peace of mind to clients concerned about the financial and reputational impact of a product recall. Call us today and ask how Alexander J. Wayne & Associates can help you with your hard-to-place Products Recall Insurance accounts. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include manufacturers, importers, and private-label brand owners in industries such as food and beverage, electronics, toys, and industrial equipment. Can my client choose between first-party and third-party coverage?Yes, the insured can select Part I (first-party), Part II (third-party), or both, depending on their specific exposure and needs. Is this program admitted or non-admitted?The program is available on an admitted basis in some states, while other placements are written through non-admitted domestic and London markets. Does the policy cover fines from government agencies?No, the policy does not cover sanctions or fines levied by government or regulatory agencies. What information is needed for underwriting?Underwriters typically require product details, distribution methods, recall history, and current risk management practices to assess the account. Need help placing an account? Connect with a market specialist.