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High Value Homeowners Insurance from Continental Risk / Continental Marine Insurance Services Continental Risk / Continental Marine Insurance Services offers a flexible and competitive High Value Homeowners Insurance program designed to help agents and brokers place coverage for affluent clients with unique or complex property exposures. With access to both admitted and non-admitted markets, we can help you find the right solution for clients whose properties exceed traditional homeowners insurance limits or fall outside standard underwriting guidelines. Ideal Accounts and Appetite This program is best suited for high net worth individuals who own primary, secondary, or seasonal homes with high replacement cost values, often located in areas with increased exposure such as wildfire zones, coastal regions, or hurricane-prone territories. We consider all dwelling types (excluding working farms), including luxury estates, vacation homes, and custom-built residences. All construction types are considered, though certain restrictions may apply for properties located in catastrophe-prone areas. Examples of ideal accounts include: A $2.5M beachfront vacation home in Florida requiring windstorm and flood considerations. A luxury modern home in California’s wildfire zone needing higher dwelling limits and extended replacement cost coverage options. Coverage Highlights and Advantages Our High Value Homeowners Insurance markets offer: Coverage A limits starting at $500,000, with Total Insured Values up to $10,000,000. Protection for a variety of dwelling types and occupancy structures. Access to both admitted and non-admitted options, depending on the risk and location. Competitive solutions for challenging territories and unique property characteristics. Underwriting Notes and Minimum Premiums All submissions must include completed ACORD applications. Please email submissions to [email protected] for quoting. Minimum premiums vary depending on the location, dwelling value, and coverage requirements. We recommend contacting our underwriting team early to discuss any unusual risks or exposures. Territories and Availability We offer High Value Homeowners Insurance coverage across all U.S. states and territories, subject to aggregate availability in catastrophe-prone regions. This includes high-risk states such as California, Florida, Texas, Louisiana, and New York, among others. Our broad geographic reach allows you to serve clients with complex property portfolios in multiple states. Why Work With Continental Risk / Continental Marine Insurance Services? As a trusted General Agency and Excess & Surplus Lines Broker, Continental Risk / Continental Marine Insurance Services brings extensive expertise in placing hard-to-insure risks. We work closely with a range of carriers to offer flexible and responsive solutions tailored to high-value homeowner clients. Our team is committed to helping agents and brokers succeed with fast turnarounds, expert underwriting support, and access to niche markets. If you’re ready to explore options for your high-value homeowner clients, contact our office at 866-699-2747 or send your submission to [email protected]. Frequently Asked Questions What types of accounts are a good fit for this program?High net worth individuals with homes valued at $500,000 or more, especially those in catastrophe-prone or high-value areas, are ideal for this program. Do you offer coverage in catastrophe-prone areas?Yes, we can provide coverage in catastrophe-prone regions, including coastal and wildfire zones, subject to aggregate availability and underwriting guidelines. Are both admitted and non-admitted markets available?Yes, we offer access to both admitted and non-admitted markets depending on the location and risk profile of the property. What documentation is required for a quote?We require completed ACORD applications submitted to [email protected] to begin the quoting process. Can I place secondary or seasonal homes through this program?Yes, we consider primary, secondary, seasonal, and vacation homes, provided they meet the program’s underwriting criteria. Need help placing an account? Connect with a market specialist.

Continental Risk Offering Program for Commercial Contractors Continental Risk / Continental Marine Insurance Services offers a contractors-focused liability program designed for commercial builders and infrastructure contractors whose operations exceed standard market appetites. As a general agency and excess & surplus lines broker, we place complex, high-exposure contractor accounts with markets that understand excavation, structural steel, crane operations, demolition and other heavy-construction risks. Ideal Accounts and Appetite The program has a broad appetite for commercial contracting classes that often struggle in standard markets due to operational complexity or higher limits. Target classes include: General contractors (including those that subcontract 100% of work) Excavation contractors, including water and sewer line work Horizontal boring and directional drilling contractors Iron and steel erection and structural steel contractors Demolition and blasting operations Site preparation, grading, and earthmoving Crane rentals (on-hook sublimits available) Street, road, and infrastructure development contractors Tilt-up concrete construction specialists Seismic retrofitting contractors Owners’ and Contractors’ Protective (OCP) exposures This program is intended for accounts that require tailored underwriting rather than cookie-cutter coverage. For example, you might have a client bidding a municipal infrastructure upgrade that combines deep excavation, crane lifts, and structural steel erection—this program is structured to address that mix of exposures. Coverage Highlights and Advantages Commercial General Liability with Products/Completed Operations coverage Available on ISO Occurrence and Claims-Made forms Customizable endorsements and contractors-specific coverages to address unique jobsite risks Primary limits commonly offered: $1,000,000 per occurrence / $2,000,000 general aggregate / $2,000,000 products/completed ops aggregate Excess liability capacity available upon request to extend limits for larger projects The program’s flexible policy structure allows you to align limits and forms with project requirements—whether you need a single-project OCP policy or an umbrella to consolidate liability across multiple jobsites. Underwriting Notes and Minimum Premiums Underwriting is class- and exposure-driven. The program typically requires a minimum deductible of $5,000. Minimum premiums vary by class, location, payroll/subcontractor costs, and scope of operations. Our underwriters work with agents to evaluate loss history, safety programs, subcontractor controls, and project schedules to offer competitive placements where appropriate. Territories and Availability Continental Risk’s Commercial Contractors Program is available in most states, including but not limited to: CA, TX, FL, NY, IL, AZ, WA. We are licensed in all 50 states plus Washington, DC, giving you national access to contractors solutions, subject to underwriting guidelines and carrier appetite. Why Work With Continental Risk? As a specialist general agency and E&S broker, Continental Risk combines construction underwriting expertise with access to multiple admitted and non-admitted carriers. Our strengths include: Deep broker-carrier relationships that help place hard-to-place accounts Construction-experienced underwriters who evaluate complex operations and craft tailored coverage Flexible placement options for project-specific and programmatic needs Responsive support for quoting, submission strategy, and binding timelines If you have a contractor account that needs specialist attention—complex operations, mixed exposures, or limits beyond standard markets—our team can help identify the right markets and structure. Need assistance placing an account? Connect with a market specialist. Frequently Asked Questions What types of accounts are a good fit for this program?This program targets commercial contractors, especially those engaged in excavation, demolition, structural work, crane rentals, and infrastructure development. Are general contractors who subcontract all their work eligible?Yes. General contractors who subcontract 100% of their work are within the target appetite for this program, provided other underwriting criteria are met. What coverage limits are available?Standard primary limits are commonly $1,000,000 per occurrence with $2,000,000 aggregates; excess limits are available on a case-by-case basis. Is this program available in all states?The program is available nationwide and Continental Risk is licensed in all 50 states and DC, subject to carrier availability and underwriting guidelines. What is the minimum deductible requirement?The program typically requires a minimum deductible of $5,000, though actual deductible and premium levels depend on class, location, and exposure. Need help placing an account? Connect with a market specialist.

Allied Healthcare Insurance Program from Continental Risk / Continental Marine Insurance Services Continental Risk / Continental Marine Insurance Services offers a comprehensive Allied Healthcare Insurance program designed to meet the evolving needs of healthcare facilities and professionals. As an excess & surplus lines broker with access to A-rated carriers, we provide flexible solutions for a wide range of allied health exposures. Our team understands the fast-changing healthcare landscape and delivers coverage options that help agents and brokers protect their clients from complex liability risks. Ideal Accounts and Target Classes This program is well-suited for a broad spectrum of healthcare providers and facilities. You can confidently place accounts in the following classes: Clinics and outpatient centers Laboratories and diagnostic testing centers Medical spas and aesthetic clinics Home health agencies Small hospitals Pharmacies Individual healthcare professionals, including: Therapists Pharmacists Physician Assistants Nurse Anesthetists Whether your client operates a small diagnostic lab or is an independent practitioner, this program offers scalable protection tailored to their needs. Coverage Highlights and Options Our Allied Healthcare program offers a variety of coverage structures to fit the unique exposures in the healthcare industry: Primary professional liability Claims-made professional liability and general liability (claims-made or occurrence) Follow-form excess and umbrella available Incident-sensitive coverage trigger Bilateral extended reporting period up to 7 years Defense costs inside or outside limits of liability Optional coverages include: Damages-only deductible HIPAA civil monetary penalty coverage Vicarious liability for named insureds related to sexual acts Disciplinary proceeding coverage Data breach coverage Billing error defense cost reimbursement Sexual abuse sublimits Underwriting Guidelines and Premiums The program offers primary liability limits up to $5,000,000. Minimum premiums start as low as $1,500 for many classes, making it an accessible solution for small to mid-sized accounts. Our underwriting team evaluates each submission carefully to match the right protection with each client’s operations and risk profile. You might have a client who recently opened a wellness-focused medical spa or a home health agency expanding into new states—this program is built to support those types of growing, specialized businesses. Territories and Market Access Coverage is available in all 50 states and Washington, DC. We offer both admitted and non-admitted options through A-rated carriers, allowing for flexibility in placement depending on client needs and jurisdictional requirements. Why Work with Continental Risk / Continental Marine Insurance Services? With decades of experience in the healthcare and marine sectors, Continental Risk / Continental Marine Insurance Services delivers value through deep market knowledge, responsive service, and access to specialized insurance solutions. Our Allied Healthcare program helps you offer your clients protection against today’s most pressing liability risks in the healthcare space. Partner with us to gain a competitive edge in placing complex healthcare accounts. Frequently Asked Questions What types of accounts are a good fit for this Allied Healthcare program?The program is ideal for clinics, labs, medical spas, home health agencies, small hospitals, pharmacies, and licensed healthcare professionals such as therapists and physician assistants. Is coverage available nationwide?Yes, this program is available in all 50 states and Washington, DC, with both admitted and non-admitted markets depending on the state and risk profile. What is the minimum premium for this program?Minimum premiums start as low as $1,500 for many eligible classes, making it a viable option for small to mid-sized healthcare operations. Can I offer optional coverages to customize the policy?Yes, optional coverages such as HIPAA penalty coverage, data breach, and disciplinary proceedings can be added to tailor the policy to your client's needs. What types of limits are available?The program offers primary liability limits up to $5,000,000, along with follow-form excess and umbrella coverage options. Need help placing an account? Connect with a market specialist.

Continental Risk / Continental Marine Insurance Services offers comprehensive Directors and Officers (D&O) insurance solutions tailored for both non-profit and for-profit organizations. This program is designed to help insurance agents and brokers place coverage that protects key decision-makers and entities from a wide array of management liability exposures. The D&O program covers directors, officers, trustees, employees, volunteers, and the organization itself. It goes beyond traditional liability coverage to address complex and emerging risks, including allegations of fraud, misrepresentation, unfair competition, employment practices violations, and mismanagement of employee or pension benefit plans. Ideal Accounts and Appetite Private Companies: Closely held businesses across most industries. Not-for-Profit Organizations: Including charities, associations, and foundations. Public Entities: Select publicly traded companies (contact for underwriting review). Excess Coverage: Available for companies seeking additional layers of protection. Coverage Highlights and Advantages Directors & Officers Liability: Protects insureds from claims related to management decisions and negligence in their executive roles. Fiduciary Liability: Covers fiduciary duties related to employee benefit plans; available on a primary or excess basis. Employment Practices Liability: Addresses claims such as wrongful termination, discrimination, and sexual harassment. Tenant Discrimination Coverage: Helps property owners and managers defend against discrimination claims brought by prospective, current, or former tenants. Underwriting Notes and Minimum Premiums Primary and excess options are available with flexible structuring. Separate limit towers and retentions can be applied for each coverage part. Coverage is non-cancellable except for non-payment of premium. Capacity limits up to $10 million are available. Primary coverage suitable for entities with revenues up to $750 million. Excess coverage available with no revenue threshold. All classes considered except financial institutions. Minimum premiums vary depending on risk characteristics. Territories and Availability Available in all 50 states and Washington, DC. Some markets are admitted, while others are non-admitted, depending on jurisdiction and risk profile. Why Work With Continental Risk Continental Risk is an experienced Excess & Surplus Lines Broker with access to a broad spectrum of carriers. They offer tailored solutions for complex management liability exposures across various industries. Their underwriting team understands the nuanced needs of both non-profit and corporate clients. Responsive service and flexible program design help agents secure competitive coverage for difficult-to-place risks. Whether you have a non-profit board seeking protection for its volunteers or a mid-sized private company concerned about employment practices claims, Continental Risk provides a robust and flexible D&O insurance solution. Their expansive state availability and ability to write both primary and excess layers make them a valuable partner for agents placing management liability accounts. Frequently Asked Questions What types of accounts are a good fit for this D&O program?This program is ideal for private companies, not-for-profit organizations, and select public companies seeking primary or excess Directors and Officers coverage. Does the program include employment practices liability?Yes, Employment Practices Liability Insurance (EPLI) is available and covers claims such as wrongful termination, discrimination, and harassment. Can I write coverage in any state?Yes, this program is available in all 50 states and Washington, DC. Admitted status may vary by market and state. What is the maximum coverage limit available?Capacity limits are available up to $10 million, depending on the risk and coverage part. Is there a revenue cap for eligible accounts?Primary coverage is available for companies with revenues up to $750 million. There is no revenue limit for excess placements. Need help placing an account? Connect with a market specialist.

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Cab Liability Insurance Program from Continental Risk / Continental Marine Insurance Services Continental Risk Insurance Services offers a robust Cab Liability Insurance program designed to help agents and brokers place taxi and livery risks with confidence. As an experienced Excess & Surplus Lines Broker, we provide access to both admitted and non-admitted markets to meet the diverse needs of your transportation clients. Ideal Accounts and Appetite We specialize in taxi and cab liability placements, including: Traditional taxi operations Fleet and non-fleet accounts New ventures with prior industry experience Accounts with clean loss histories and established safety protocols are preferred. We can also consider newer operations provided the principals have prior cab or livery experience. Whether your client operates a small local fleet or a larger multi-vehicle operation, we can help you find coverage solutions that fit. Coverage Highlights and Advantages Primary liability limits available up to $1,000,000 Excess liability limits available for larger accounts Both admitted and non-admitted carriers depending on the risk and state Flexible installment payment options for qualifying accounts You might have a client starting a small taxi company in Nevada or a seasoned operator in Texas looking to expand coverage — we have the markets to support both situations. Underwriting Notes and Minimum Premiums Minimum premiums vary by risk characteristics, territory, and coverage limits. We evaluate each submission individually to provide the best available terms. Installment plans may be available on larger accounts to help your clients manage cash flow. Submission requirements typically include a completed application, current MVRs, vehicle schedules, and loss runs. Our team is ready to guide you through the process to ensure a smooth and efficient placement. Territories and Availability Our Cab Liability Insurance program is currently available in the following states: Alabama (AL) Arizona (AZ) California (CA) Colorado (CO) Georgia (GA) Idaho (ID) Missouri (MO) Nevada (NV) North Carolina (NC) Ohio (OH) Oregon (OR) Tennessee (TN) Texas (TX) Utah (UT) Washington (WA) We continue to expand our market reach, so feel free to inquire about additional states as needed. Why Work With Continental Risk / Continental Marine Insurance Services? With decades of transportation insurance experience, our team understands the unique challenges and exposures faced by cab operators. We’ve built strong relationships with a wide range of carriers, giving you access to competitive markets and tailored solutions for your clients. Our focus on responsiveness, underwriting expertise, and flexible program structures makes us a valuable partner for placing commercial auto and livery risks. Let Continental Risk / Continental Marine Insurance Services help you find the right liability coverage for your taxi and cab clients — whether they’re just starting or scaling up their operations. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for traditional taxi services, small to mid-sized cab fleets, and new ventures with prior industry experience. Are new ventures eligible for coverage?Yes, we can consider new ventures if the owner or operator has prior experience in the cab or livery industry. What liability limits are available?Primary liability limits are available up to $1,000,000, with excess liability options available for larger accounts. Is this program available on an admitted basis?We offer access to both admitted and non-admitted markets depending on the state and risk profile. Which states is this program available in?We currently offer this program in AL, AZ, CA, CO, GA, ID, MO, NV, NC, OH, OR, TN, TX, UT, and WA. Need help placing an account? Connect with a market specialist.

Continental Risk, in partnership with Continental Marine Insurance Services, offers a specialized General Liability program tailored for small to mid-sized artisan and specialty trade contractors. Designed specifically for those engaged in residential and light commercial construction, this program provides comprehensive coverage solutions that meet the evolving needs of contractors working in new builds, remodels, and tenant improvement projects, including single-family home construction. Ideal Accounts and Appetite This program targets artisan contractors with annual payrolls under $1,000,000. It is well-suited for businesses operating in residential and commercial construction environments, particularly those focused on: New residential or commercial construction (excluding high-risk structures) Repair, remodeling, and tenant improvement projects Trades with 75% or more of their work falling into approved class codes With over 30 eligible class codes, this program accommodates a wide range of trades, including: Plumbing Carpentry Concrete HVAC Electrical Drywall Insulation And many more artisan contractor classes Coverage Highlights and Advantages Continental Risk’s program goes beyond basic coverage to include policy enhancements often required by project owners and general contractors. Available coverages include: Blanket Additional Insured Waiver of Subrogation Primary and Non-Contributory wording Per Project Aggregate Subsidence coverage (with limitations) Prior Projects coverage (with limitations) Maximum Coverage Limits $2,000,000 General Aggregate $2,000,000 Products Aggregate $1,000,000 Per Occurrence $1,000,000 Personal and Advertising Injury $1,000,000 Employee Benefits Liability $100,000 Fire Damage Legal Liability $5,000 Medical Payments Underwriting Notes and Risk Eligibility To streamline underwriting, risks must meet specific eligibility criteria. The program is open to contractors whose operations fall predominantly within approved classes and project types. Examples of eligible risks include: Licensed contractor building new single-family residences HVAC contractor performing commercial tenant improvements Ineligible risks include: New construction of condominiums, condominium conversions, or townhouses (exceptions may apply) Structures exceeding three stories (with some exceptions) Operations involving high-hazard exposures such as process piping, blasting, tunneling, landfills, emergency systems, or public utilities Territories and Availability This program is available in 47 states, offering broad geographic access for agents and brokers seeking a reliable solution for residential and light commercial contractor clients. Both admitted and non-admitted carrier options are available through Twenty Mile and other carrier partners, providing flexibility across a range of underwriting scenarios. Why Work With Continental Risk As an established excess and surplus lines broker, Continental Risk brings deep market access and underwriting experience in the artisan contractor space. Their partnership with Continental Marine Insurance Services and access to both admitted and non-admitted carriers means agents can find competitive solutions for a wide array of contractor clients. Whether your client is a small plumbing contractor or a remodeling specialist, you’ll benefit from a responsive team that understands the unique exposures of the construction industry. Frequently Asked Questions What types of accounts are a good fit for this program?Artisan and specialty trade contractors with less than $1,000,000 in annual payroll working on residential and light commercial projects are ideal candidates. Are both new construction and remodeling projects eligible?Yes, the program accepts new construction, remodeling, and tenant improvement work, including single-family residential builds. What are some of the ineligible risks?Projects involving condominiums, buildings over three stories, and high-hazard exposures like tunneling, blasting, or emergency systems are generally not eligible. Is this program available nationwide?It is available in 47 states, offering broad access for agents across most of the U.S. Do you offer both admitted and non-admitted options?Yes, the program includes access to both admitted and non-admitted carriers, depending on the state and risk profile. Need help placing an account? Connect with a market specialist.