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Finding the right coverage for an Independent School can be challenging. Your clients need protection tailored to their unique exposures—ranging from athletics and student well-being to sensitive areas like sexual misconduct, discrimination, and harassment. Selecting the right insurance partner is just as critical as choosing the right faculty, facilities, or curriculum. Comprehensive Protection for Independent Schools At Education Insurance Services (EIS), we’ve developed a specialized insurance program designed exclusively for Independent Schools. This comprehensive package, created in partnership with United Educators—a risk retention group that is 100% focused on the education sector—ensures your clients receive coverage aligned with the risks they regularly face. Your client goes above and beyond for their students and staff. Who goes above and beyond for your client? The EIS Independent School Focus package delivers broad protection with limits and options built around the operational realities of private and independent educational institutions. Program Highlights and Coverages Our tailored program includes both liability and property coverage, addressing day-to-day risks as well as more complex liability exposures: • Educators Legal Liability up to $11 million • Primary General Liability up to $1 million • Fiduciary Liability up to $5 million • Excess General Liability up to $10 million • Business Income Protection • Real and Personal Property Coverage • Employment Practices Liability • Security Guard Liability • Discrimination and Harassment Coverage • Employee Benefits/ERISA Liability • Athletic Liability • Sexual Molestation and Abuse Coverage • Alcohol-Related Claims • Educational Malpractice • Boarding School Coverage • Allied Health Professional Liability • Compensatory Damages • Errors and Omissions • Associated Defense Costs • Civil Penalties Related to Prohibited Transactions We also offer commercial auto and workers compensation. Our commercial auto provides up to $1 million in coverage for a combined single limit, and our workers comp coverage is guaranteed cost—giving schools predictable budgeting and peace of mind. Ideal Accounts and Appetite This program is designed for private and independent K-12 schools, including day schools and boarding schools. It’s especially well-suited for institutions with robust extracurricular programs, athletic departments, or on-campus housing. You might have a client operating a private boarding school with dormitories and athletic facilities, or a preparatory academy with high student engagement. These are ideal fits for this program. Territories and Market Access Our Independent Schools program is available in the following states: AL, AK, AZ, AR, CA, CO, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, MD, MI, MN, MS, MO, MT, NE, NV, NJ, NM, NC, ND, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, WA, DC, WV, WI, WY. We offer access to both admitted and non-admitted markets, depending on the state and specific risk profile. Why Work With Education Insurance Services? As a Managing General Agency with deep expertise in educational institutions, EIS is uniquely positioned to support agents and brokers working with independent schools. Our exclusive partnership with United Educators ensures your clients benefit from a carrier solely dedicated to education-sector risks. You'll also have access to responsive underwriting and knowledgeable support that understands the nuances of school operations. If you're interested in learning more about our Independent Schools program and how we can help you better serve your clients, contact us today. We understand the issues that are most important to Independent Schools! Frequently Asked Questions What types of accounts are a good fit for this program?Private and independent K-12 schools, including day and boarding schools, are ideal. Schools with athletics, dormitories, or specialized programs benefit most from the coverage options. Is this program available nationwide?It is available in most states, including CA, TX, FL, NY, and many others. Please check with us for availability in your client’s specific location. What makes this program different from standard commercial packages?This program is built specifically for schools and includes education-sector coverages like educators legal liability, sexual misconduct, and educational malpractice that typical packages often exclude. Can I access this program if I’m not appointed with United Educators?Yes. As the exclusive provider of the Independent School Focus package from United Educators, EIS can offer you access without direct appointment. Are both property and liability coverages included?Yes. The program offers a comprehensive package that includes both property and a wide range of liability protections tailored to independent schools. Need help placing an account? Connect with a market specialist.

Dental Professional Liability Insurance With dental practice continually evolving, Affinity Healthcare offers the Dentist's Advantage Dental Professional Liability Insurance program — a market-leading professional liability product designed specifically for dental professionals. The program combines broad forms, flexible limits, and industry-focused risk management to help you place dental malpractice coverage for a wide range of dentists and dental practices. Program Highlights Occurrence and claims-made forms available Flexible limits up to $5 million per occurrence / $6 million aggregate Defense costs paid in addition to policy limits Licensure board hearings defense coverage included Definition of “insured” includes employees and independent-contractor hygienists Free tail coverage at retirement for eligible insureds Free locum tenens coverage up to 120 days per year Consent-to-settle provision No dental specialties excluded Premium credits available Risk Management Support 24-hour risk management hotline staffed by dental colleagues Quarterly newsletters with legal and risk-management tips Online access to electronic forms designed to reduce claims exposure Additional Insurance Available Business Owners Package Corporate Identity Protection General Liability Business Auto Commercial Umbrella Workers' Compensation Endorsing Professional Associations Academy of General Dentistry (AGD) National Dental Association (NDA) Hispanic Dental Association (HDA) National Society of Dental Practitioners (NSDP) Overview of the Program from Affinity Healthcare This Dentist's Advantage program is administered by Affinity Healthcare and underwritten by National Union Fire Insurance Company of Pittsburgh, PA. The program is built for agents who need a dental-specific professional liability market with comprehensive forms, risk-management resources, and flexible limit options. Ideal Accounts and Appetite This program targets general dentists, multi-dentist practices, and specialists across dental disciplines — including those who perform restorative, endodontic, oral surgery, and other procedures. It is appropriate for solo practitioners up to small and mid-sized group practices. The program accepts accounts that want robust defense-in-addition language, licensure hearing representation, and locum coverage. Accounts that may not fit include extremely high-risk specialty practices with unusual procedural exposures or locations requiring specialized coverage outside the standard appetite — consult underwriting for borderline or complex risks. Coverage Highlights and Advantages Key advantages for your dental clients include both occurrence and claims-made options, high per-occurrence and aggregate limits, defense costs outside the limits, and a consent-to-settle clause. The program’s broad definition of insureds and included locum and retirement tail features simplify placement for practices with staffing changes and retiring partners. Underwriting Notes and Minimum Premiums Underwriting focuses on practice size, procedural mix, claims history, and risk-management practices. Affinity Healthcare supports placement with a dedicated underwriting team knowledgeable about dental exposures. Minimum premium: $1,500. For accounts with prior claims, significant surgical exposure, or novel procedures, provide full loss runs and procedure mix up front to expedite review. Territories and Availability Available through Affinity Healthcare nationwide in the states listed: 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, WY. Admitted-status: All Available States. Confirm state availability and admitted/non-admitted placement with underwriting when quoting. Why Work With Affinity Healthcare for Dental PL Program administrator experienced in dental professional liability markets National carrier capacity through National Union Fire Insurance Company of Pittsburgh, PA Industry-specific risk-management services and 24/7 hotline Flexible forms and limits to meet diverse practice needs Example Accounts a Good Fit A solo general dentist performing routine restorative and endodontic procedures seeking occurrence coverage and free tail at retirement. A two- to five-provider family practice with hygienists (employees and independent contractors) that needs locum coverage and licensure hearing defense included. Dentist's Advantage - Your Dental Professional Liability Insurance solution for your clients Affinity Healthcare is a registered trade name of Affinity Insurance Services, Inc.; (TX 13695); (AR 100106022); in CA, MN, AIS Affinity Insurance Agency, Inc. (CA 0795465); in OK, AIS Affinity Insurance Services, Inc.; in CA, Aon Affinity Insurance Services, Inc., (CA 0G94493), Aon Direct Insurance Administrators and Berkely Insurance Agency and in NY, AIS Affinity Insurance Agency. All descriptions, summaries or highlights of coverage are for general informational purposes only and do not amend, alter or modify the actual terms or conditions of any insurance policy. Coverage is governed only by the terms and conditions of the relevant policy. Frequently Asked Questions What types of dental practices are a good fit for this program?This program fits solo practitioners, small group practices, and many dental specialists. It is best for practices that want broad forms, defense-in-addition language, locum coverage, and included licensure-hearing defense. For high-risk surgical specialty accounts, consult underwriting before submission. Do you offer both occurrence and claims-made coverage?Yes. Affinity Healthcare offers both occurrence and claims-made policy forms. Choose the form that best matches your client’s needs and retirement or tail expectations. What minimum information speeds up the underwriting review?Provide recent loss runs, a breakdown of procedures and sources of revenue, staff composition (employees vs. independent contractors), and any prior disciplinary history. These items help expedite decisions and accurate pricing. Is locum tenens coverage included?Yes — free locum tenens coverage is available up to 120 days per year as part of the core program features. What is the minimum premium and carrier capacity?The program’s minimum premium is $1,500. Coverage is underwritten by National Union Fire Insurance Company of Pittsburgh, PA, providing national capacity for the program. Need help placing an account? Connect with a market specialist.

Correctional healthcare providers operate in high-risk, highly regulated environments—prisons, jails, detention centers, juvenile facilities, and community corrections programs. These settings create exposures ranging from constitutional and civil rights claims to HIPAA matters and complex contract requirements. Ultra Risk Advisors offers a dedicated Correctional Healthcare Insurance Program, endorsed by the Academy of Correctional Health Professionals, that is designed to address those unique liabilities and operational needs. Ideal Accounts and Appetite This program is built for healthcare providers and organizations delivering medical, dental, and behavioral health services inside correctional settings. Typical accounts include: Contract medical providers serving state, county, or municipal detention systems Providers operating in jails, prisons, and juvenile facilities Community corrections and re-entry programs, including halfway houses and restitution centers If you represent clients with multiple facility contracts or who are expanding into new jurisdictions, this program can be a strong placement option to help manage contractual requirements and institutional risks. Coverage Highlights and Advantages Ultra Risk Advisors combines targeted forms and market access to provide broad protection tailored to correctional health risks. Key features include: Defense for civil rights and deliberate indifference allegations HIPAA violation defense and related privacy exposures Contract-ready options: blanket additional insureds, subrogation and waiver of subrogation where required Specialized correctional risk management support and underwriting consultation The program is part of Ultra Risk Advisors’ broader Ultra Criminal Justice & Community Corrections offering, which can combine professional liability, general liability, and excess capacity to create layered solutions for complex accounts. Underwriting Notes and Minimum Premiums Minimum premiums and terms vary by carrier and the size or complexity of the account. Typical submission requirements include a completed application, details on operations and facility types, current contracts, and a claims history. Ultra Risk Advisors works with multiple carriers to tailor limits and terms to each client's exposures. Territories and Availability The program is available in most states, including but not limited to CA, FL, TX, NY, GA, IL, WA, and PA. Ultra Risk Advisors can assist in placing accounts across 49 states and Washington, DC. Admitted and non-admitted options are available depending on the state and risk profile. Why Work With Ultra Risk Advisors As a Managing General Agency focused on correctional healthcare and criminal justice risks, Ultra Risk Advisors offers hands-on underwriting, market access, and practical risk management support. Their team understands the regulatory and contractual pressures correctional providers face and can help structure placements for single-facility operators through multi-state contractors. Example scenarios where this program fits well: A regional medical contractor with multiple county jail contracts seeking consistent professional liability and contractual endorsements across jurisdictions. A nonprofit re-entry program operating halfway houses that needs combined GL and professional coverage with correctional-specific underwriting support. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include healthcare providers delivering medical, dental, or mental health services in correctional facilities, as well as community corrections programs such as halfway houses and restitution centers. What coverages are included in the Correctional Healthcare Insurance Program?The program offers professional liability, general liability, and excess coverage, including defense for civil rights and HIPAA violation claims. Is this program admitted in all states?No. The program is available in most states and offers admitted or non-admitted placement options depending on local regulations and underwriting requirements. What information is needed to submit an account?A completed application, operational details, copies of contracts, and claims history are typically required for underwriting review. Who underwrites this program?Ultra Risk Advisors collaborates with multiple carriers to underwrite and tailor coverage for correctional healthcare providers based on each account’s exposures. Need help placing an account? Connect with a market specialist.

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