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Many trade and professional associations operate with complex risk exposures that are not fully addressed by a standard Non-Profit Directors & Officers (D&O) policy. Even with broad endorsements, D&O limits can be diluted by coverage for publishing, credentialing, and other professional services—leaving board members exposed and uneasy about potential personal liability. Donald Gaddis Company offers a specialized solution: Association Professional Liability Insurance (E&O). This program is designed to address the unique professional liabilities of trade associations, providing protection beyond traditional D&O coverage. Ideal Accounts and Appetite This program is ideal for well-managed, coverage-conscious associations that engage in professional services such as publishing, credentialing, peer review, or training. Associations involved in medical, engineering, or product certification activities are also a strong fit, especially when contingent bodily injury or property damage exposures exist. For example, you might have a client that publishes professional journals, conducts member certifications, or offers continuing education—activities that can expose them to liability beyond the scope of D&O. This program helps you deliver tailored protection for those exposures. Coverage Highlights and Advantages The Association E&O policy provides direct coverage for: Peer review, credentialing, and standard setting activities Media liability related to print and digital publishing Training, teaching, and continuing education services Optional endorsements can extend protection to: Antitrust exposures Contingent bodily injury/property damage for certification-based associations Regulatory investigations First- and third-party data breach exposures Other professional services performed for members or the public Underwriting Notes and Minimum Premiums Donald Gaddis Company has a strong track record of success with this program, particularly when agents present it to well-run associations that understand their exposure. Premiums start at approximately $3,500. To obtain a quote, agents should submit the completed application. While financials and sample publications are helpful, they are not always required to receive an initial indication. Territories and Availability This program is available on a non-admitted basis in the following states: AZ, CA, CO, FL, GA, HI, IL, IN, IA, KS, MI, MN, MO, NY, NC, OR, PA, SC, TN, TX, WV, and WI. Why Work With Donald Gaddis Company As a wholesale brokerage with access to top carriers such as Axis and Capitol Indemnity, Donald Gaddis Company brings deep experience in professional liability for associations. Their underwriting team understands the operational and reputational risks that associations face, and they offer responsive service to help agents place complex accounts quickly and efficiently. Frequently Asked Questions What types of accounts are a good fit for this program?Trade and professional associations that offer credentialing, publishing, training, or certification services are ideal candidates. How does this policy differ from a typical D&O policy?This E&O policy specifically covers professional liability exposures that may not be included—or may dilute—standard D&O limits. What are the minimum submission requirements to get a quote?A completed application is required. Financials and sample publications can help but are not mandatory for initial indications. Is this program available in my state?The program is available in over 20 states, including CA, TX, FL, NY, and IL. Contact Donald Gaddis Company for eligibility in your state. Can the policy be customized for unique association services?Yes, coverage can often be endorsed to include antitrust, data breach, contingent BI/PD, and other specific exposures. Need help placing an account? Connect with a market specialist.

Accidents and injuries remain a reality in manufacturing, even with modern safety protocols and equipment. Don R. Jensen & Company gives agents and brokers access to competitive manufacturing workers’ compensation solutions designed to help protect your clients from those occupational risks. As a wholesale broker, Don R. Jensen & Company places manufacturing workers’ compensation with multiple markets. Our program generally starts at a minimum premium of $2,000 and can accommodate a range of manufacturing operations — from small machine shops to larger furniture producers. We work with underwriting partners to help you find practical solutions for standard and harder-to-place accounts. Target Classes We Consider We have appetite for a broad set of manufacturing operations. Examples of class codes we commonly consider include: Machine Shops Millwright Plastics Manufacturing Furniture or Wood Products Manufacturing Concrete/Cement Manufacturing Tool Manufacturing Engine Manufacturing Cloth/Canvas Manufacturing You might have a client running a regional plastics molding shop with 25 employees, or a custom furniture builder expanding into larger contracts — these are the kinds of risks we can help you place. Submission Requirements Completed ACORD application Three years of currently valued loss runs Experience Modification worksheet Please email all submissions to [email protected]. Territories and Program Availability We can write manufacturing workers’ compensation in most states, including CA, TX, FL, NY, IL, and PA. Our admitted status is All Available States, enabling you to service regional and multi-state operations where markets permit. Why Partner With Don R. Jensen & Company? Don R. Jensen & Company brings decades of experience in workers’ compensation placement, with specific insight into manufacturing exposures. As a wholesale broker we provide access to multiple carriers, help navigate underwriting nuances, and work to find competitive pricing and terms for both standard and more challenging risks. Learn more about our capabilities at www.drjco.com or on our company profile on CompleteMarkets. Frequently Asked Questions What types of accounts are a good fit for this program? This program fits small to mid-sized manufacturers such as machine shops, wood product manufacturers, plastics fabricators and similar operations that have manageable loss histories and standard manufacturing exposures. Is there a minimum premium requirement? Yes. The program’s minimum premium starts at $2,000. Do you require prior coverage or loss history? We generally request three years of currently valued loss runs and an Experience Mod worksheet. Accounts are reviewed individually; manageable loss histories are preferred but not always disqualifying. What states is this program available in? The program is available in most states, including CA, TX, FL, NY, IL, and PA. We can write in all available states where our admitted status applies. Who should I contact to submit an application? Send submissions and required documents to [email protected] for review by our underwriting team.

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