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Overview J.M. Wilson Corp. offers a Commercial Umbrella Insurance program designed to expand liability limits and provide broader excess coverage for a wide range of small-to-medium commercial classes. As a Managing General Agency and Excess & Surplus (E&S) broker, we place excess and umbrella limits with both admitted and non-admitted markets to give agents flexible placement options for their clients. Target Classes and Ideal Accounts Below is a sampling of classes we routinely place on this program. These accounts typically fit when the underlying liability program is standard and loss history is acceptable: Apartment buildings Bakeries Beauty shop supplies distributors Beverage stores Cable TV companies Car washes Caterers Clubs Computer and electronics stores Department / discount stores Food and drink distributors Drywall installation Florists & gift shops Golf courses / driving ranges Hardware stores Hotels & motels Janitorial services Laundries & dry cleaners Lawn care services / contractors Masonry Meat, fish, poultry, seafood stores Nail salons Paving — sidewalks / parking / drives Paint / wall covering stores Photographers Pet stores Plumbing contractors Restaurants Video stores and theatres Coverage Highlights and Advantages Limits available up to $20,000,000 to meet higher-limit requirements for premises, products, auto and other liability exposures. Placement options include both admitted and non-admitted markets depending on state and class, allowing more flexibility where admitted forms aren’t required. Excess/umbrella placements with adjustable attachment points and the ability to consider deletion of a Self-Insured Retention (SIR) where markets permit. Competitive minimum premium structure for smaller accounts: $1,250 minimum premium for the initial $1,000,000 of limit $1,000 minimum premium per additional $1,000,000 of limit Typical minimum attachment points often $1,000,000 primary / $2,000,000 excess for lower-hazard classes (subject to underwriting) Underwriting Appetite and Restrictions Underwriters prefer accounts with class-appropriate operations, stable or improving loss histories, and standard underlying limits and endorsements. The program favors low- to medium-hazard retail, service, hospitality, and light contracting risks listed above. Generally not a fit: accounts with severe or repeated liability losses, significant professional or pollution exposures, or operations that require specialized excess capacity (heavy industry, high-hazard manufacturing) unless underwriting reviews and approves placement options first. Sample Accounts (Agent View) Small regional motel seeking $5M excess over a $1M primary — the umbrella can provide a clean excess layer with broader limits for premises liability and guest exposures. Landscaping contractor with conservative loss history that needs higher aggregate limits for general and auto liability — the program can offer $1M+ excess limits and alternative attachment structures. Territories and Availability This program is available in: GA, IL, IN, KS, KY, MI, MS, MO, NC, OH, PA, SC, TN, VA, WV and WI. Admitted versus non-admitted placement depends on the state, class and carrier appetite. Why Place Commercial Umbrella with J.M. Wilson Market access: we represent a number of admitted and non-admitted carriers, giving producers flexibility to place accounts that need admitted forms or E&S capacity. MGA & E&S expertise: focused underwriting for umbrella/excess placements with experience handling layered liability structures. Streamlined quoting: a focused appetite and clear minimums help agents get quick indications on common small-to-mid sized commercial risks. Underwriting Notes and Submission Tips Include current underlying liability declarations pages and forms so we can confirm attachment points and coverage consistency. Provide 3–5 years of loss history when available; include explanations for any losses to speed placement. Describe operations, annual payroll/sales and vehicle exposures for contractors and service accounts. If you need deletion of an SIR or unusual attachment points, flag that on submission so underwriting can evaluate markets early in the process. Frequently Asked Questions What types of accounts are a good fit for this Commercial Umbrella program?Retail, hospitality, light contractors, service and distribution classes with standard underlying programs and acceptable loss histories are the primary appetite. The program is designed for small- to mid-size commercial risks that need higher liability limits. What limits and attachment points are available?Limits are available up to $20,000,000. Typical minimum attachment points for lower-hazard classes are $1,000,000 primary / $2,000,000 excess, but underwriting will consider other structures based on the account. Minimum premium guidelines apply for each layer. Which states does this program serve?The program is available in GA, IL, IN, KS, KY, MI, MS, MO, NC, OH, PA, SC, TN, VA, WV and WI. Coverage options and admitted vs. non-admitted availability depend on the state and carrier. Is coverage placed admitted or non-admitted?We work with both admitted and non-admitted markets. The placement method depends on the class, state regulation, and the carrier selected by underwriting. What information should I include with a submission?At minimum provide current underlying declarations pages, loss runs (preferably 3–5 years), a description of operations, and exposure details (payroll, sales, vehicles). For contractors or hospitality accounts, include any contracts or risk-transfer requirements. Need help placing an account? Connect with a market specialist.

Architects and Engineers Insurance Overview of the Program From J.M. Wilson Corp. J.M. Wilson Corp. offers a focused Architects and Engineers professional liability program designed for independent agents and brokers who need reliable markets and tailored terms for design professionals. As a Managing General Agency and Excess & Surplus Lines broker, we place accounts with a mix of admitted and non-admitted carriers—some markets are available on an admitted basis while others are non-admitted. We work with a number of “A” rated carriers to deliver capacity, flexible wording and underwriting expertise specific to design exposures. Ideal Accounts and Appetite This program targets architects, engineers and closely related professional service firms. Typical classes we place include: Architects and architectural firms Civil, structural, mechanical and electrical engineers HVAC engineers Land surveyors Interior design services Construction and project management / construction management Design-build firms (select accounts) We seek firms with professional exposures tied to design errors, omissions, delayed performance, and project management. Accounts with clear project documentation, reasonable revenue size, and strong risk-management practices are the best fit. High-risk classes—such as firms with significant construction performance guarantees, large unconcluded litigation histories, or very large self-performed construction operations—may be restricted or require placement with specialty carriers. Coverage Highlights and Advantages Professional Liability (Errors & Omissions) forms tailored to architects and engineers Specific job excess and aggregate options Design/build and construction management exposures accommodated First dollar defense available in select markets Aggressive limits up to $5,000,000 (subject to underwriting) Coverage placed with “A” rated markets—admitted and E&S offerings Underwriting Notes and Minimum Premiums Underwriting focuses on firm size, project types, revenue by practice area, loss history and contract provisions. Provide a current application, last three years of loss runs, and copies of professional service agreements when available to speed placement. Minimum premiums vary by carrier and limit. Representative minimums available in this program include: $1,000,000 limit: $5,000 minimum premium $500,000 limit: $4,000 minimum premium $250,000 limit: $3,000 minimum premium $100,000 limit: $2,000 minimum premium Minimum deductible typically begins at $2,500; deductible and premium will depend on carrier, limits and account characteristics. Territories and Availability This program is available in the following states: AL, AR, GA, IL, IN, IA, KS, KY, MI, MN, MS, MO, NE, NC, OH, OK, PA, SC, VA, WV, WI. Availability and admitted status vary by state and carrier—J.M. Wilson will advise whether an admitted or non-admitted placement is appropriate for each account. Why Work With J.M. Wilson Corp. on Architects & Engineers Business Industry-focused underwriting that understands design professional exposures. Access to both admitted and specialty E&S markets to solve placement challenges. Flexible features such as specific job excess, first dollar defense options and design/build wording. Responsive account handling for agents: targeted appetite guidance and practical submission requirements. Example Accounts You Might Place A 12-person architectural firm specializing in mid-size commercial renovations seeking $1M professional liability with aggregate deductible—good fit with available admitted and E&S options. A civil/structural engineering consultancy providing site design and construction observation on municipal projects with clean loss history seeking limits to $2M—eligible for specific job excess and project-based terms. Frequently Asked Questions What types of architect/engineer accounts are best for this program?Firms that provide professional design services—architects, structural, civil, mechanical and electrical engineers, land surveyors, and interior design services—are core targets. Best-fit accounts have documented projects, reasonable revenue, and limited prior claims activity. Do you offer admitted paper or only surplus lines?J.M. Wilson works with both admitted and non-admitted carriers. Availability depends on the state and carrier; we will advise which option is appropriate for each submission. What information speeds up underwriting and placement?Include a completed application, three years of currently valued loss runs, revenue by practice area, sample professional service agreements, and a list of projects in progress. Clear documentation of contract risk-transfer provisions helps underwriting evaluate terms faster. Are design/build and construction management exposures eligible?Yes—design/build and construction/project management exposures can be placed, subject to underwriting review and carrier appetite. Larger or higher-risk construction liabilities may require placement with specialized markets. How are limits, deductibles and minimum premiums handled?Limits up to $5,000,000 are available in select markets. Minimum premiums and deductible levels vary by carrier; representative minimum premiums are provided in this program but final terms depend on underwriting and selected market. Need help placing an account? Connect with a market specialist.

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J.M. Wilson has developed a dedicated Brokerage Team focused exclusively on placing tough-to-place risks through our Brokerage Insurance program. These accounts often fall outside standard underwriting guidelines and require deep market access and technical underwriting to secure appropriate coverage. Ideal Accounts and Appetite Our Brokerage Insurance program helps agents place specialty or hard-to-place commercial accounts across a variety of industries. We routinely place accounts that need Excess & Surplus (E&S) solutions, tailored terms, or access to specialty carriers. Industrial / Manufacturing Manufacturers and roofers Machinery repair operations Auto parts manufacturers Railroad protective exposures Oil & gas contractors Products liability risks Errors & Omissions Real estate and home appraisers Media liability Data breach / cyber risks Insurance agents E&O Allied health professionals Employment practices liability Technology professionals and consultants Property managers Other Specialty Risks Drones / UAV operations Foreign liability placements Commercial umbrella layers Environmental exposures Public officials liability Large inland marine accounts Large property schedules This list is illustrative, not exhaustive. Our Brokerage Team has access to additional specialty markets and will review complex accounts that don’t fit standard underwriting boxes. Whether your client is a manufacturer facing elevated product liability exposure or a tech consultant needing tailored E&O coverage, we can help identify a market solution. Coverage Highlights and Advantages We place coverage through a panel of A-rated (or better) non-admitted carriers, giving flexibility to structure policies for unique operations, prior losses, or high-risk exposures. Our E&S access lets us pursue terms that admitted markets may decline or restrict. Representative placements include: Multi-state roofing manufacturer with elevated product liability exposure Drone services provider needing specialized UAV liability coverage Real estate appraiser with prior E&O claims requiring tailored protection Underwriting Notes Each submission is evaluated by our Brokerage underwriters to determine the best market fit and structure. We’ll work with you to gather the right documentation and present the risk effectively to carriers. Typical submission items include a completed application, recent loss runs (when applicable), and a detailed description of operations. Minimum premiums vary by class and carrier—contact us with risk details for a quick assessment. Territories and Availability Brokerage Insurance coverage is available in the following states: AL, AR, GA, IL, IN, IA, KS, KY, MI, MS, MO, NE, NC, OH, OK, PA, SC, TN, VA, WV, and WI. All placements are made on a non-admitted basis through our network of trusted E&S carriers. Why Work With J.M. Wilson? Founded in 1920, J.M. Wilson is a family-owned Managing General Agency with a long history of underwriting expertise and personalized service. Our Brokerage Team is trained to handle difficult classes and complex accounts that demand deeper market knowledge and carrier relationships. We deliver responsive service, clear communication, and access to a broad array of specialty carriers. When a client doesn’t fit the standard market, J.M. Wilson provides the technical underwriting and market reach to pursue a placement. Frequently Asked Questions What types of accounts are a good fit for J.M. Wilson's Brokerage Insurance program?Accounts with complex operations, significant exposures, or those that don’t qualify for standard markets—such as manufacturers, consultants, drone operators, or real estate professionals—are a strong fit for this program. Is this program available on an admitted basis?No. Coverage is placed with A-rated non-admitted carriers through the Excess & Surplus market. What information is needed to get a quote?Submission needs vary by class but typically include a completed application, loss runs (if applicable), and a detailed description of operations. Our Brokerage Team will advise on specific requirements. Can you help with risks that have prior claims or coverage gaps?Yes. Our Brokerage Team specializes in tough-to-place risks, including those with prior losses or challenging underwriting histories. In which states is the program available?This program is available in AL, AR, GA, IL, IN, IA, KS, KY, MI, MS, MO, NE, NC, OH, OK, PA, SC, TN, VA, WV, and WI. Need help placing an account? Connect with a market specialist.

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