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Specialized Insurance for Art & Antique Galleries Van Wagoner Companies, Inc. offers a dedicated Art & Antique Galleries program through its MGA platform with access to Lloyd's markets. The program is built to address the distinct valuation, transit, and display risks faced by galleries, dealers, consultants, and collectors. Whether the account is a small boutique gallery, a multi-dealer antique mall, or a private collector with frequent loans and exhibits, Van Wagoner provides flexible placement options and specialty underwriting expertise. Ideal Accounts and Appetite This program is well suited for: Fine art galleries and independent art dealers Antique shops and multi-dealer malls Private collectors who rotate or loan pieces to exhibits Art consultants, appraisers, and dealers who maintain on-site inventory Accounts with high-value, mobile inventory—items in transit, on consignment, or displayed at shows and auctions—are welcomed when appropriate security and inventory controls are in place. Operations primarily focused on restoration, repair, or manufacturing of antiques or artwork may be outside of the core appetite and should be discussed with underwriting first. Coverage Highlights and Advantages The program offers core and package options tailored to gallery and antique exposures: Property Coverage – Buildings, fixtures, business personal property, and scheduled fine art and antiques. General Liability – Third-party bodily injury and property damage arising from gallery operations and client visits. Package Policies – Combined property and liability options for cleaner placement and administration. Inland Marine – Coverage for items in transit, on consignment, on loan, or exhibited off-premises. Policies can be customized to include protections for theft, fire, accidental breakage during transit, and other common gallery risks. Coverage terms are designed to reflect the valuation and mobility of collectible items and to support complex placement needs. Underwriting Notes and Minimum Premiums Submissions are reviewed individually with attention to loss history, security measures, inventory controls, and item valuations. Provide a detailed inventory, values, provenance where available, and photos to accelerate underwriting. While the program does not list a public minimum premium here, Van Wagoner aims to offer competitive pricing that aligns with the risk profile—underwriters will advise on premium expectations during submission review. Territories and Availability This program is available on a non-admitted basis in the following states: Arizona (AZ) Arkansas (AR) California (CA) Connecticut (CT) Delaware (DE) Idaho (ID) Iowa (IA) Nevada (NV) New Mexico (NM) Oklahoma (OK) Pennsylvania (PA) Texas (TX) Utah (UT) Wyoming (WY) Admitted versus non-admitted placement depends on the state and the individual risk characteristics. Van Wagoner places coverage through Lloyd's, which provides flexibility and capacity for higher-value or more complex accounts. Why Work With Van Wagoner Companies Van Wagoner combines niche underwriting experience with Lloyd's access to support specialty art and antique risks. Agents benefit from underwriters who understand valuations, transit exposures, consignment arrangements, and museum/exhibit placements. The MGA model also delivers responsive service and streamlined placement for tailor-made solutions. Example scenarios that fit well: You have a client who runs a boutique gallery in California that frequently ships pieces to regional shows and needs transit and exhibit coverage in addition to on-site protection. You represent an antique dealer in Texas who consigns high-value pieces to auctions and requires scheduled inland marine coverage for items while off-premises. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for fine art galleries, antique shops, private collectors, and consultants who need coverage for high-value, mobile inventory and exhibition exposures. What coverages are included in the Art & Antique Galleries program?Core offerings include Property, General Liability, Inland Marine, and Package policies that can be tailored to cover theft, fire, accidental breakage in transit, and exhibit exposures. Is this program available in all states?No. It is currently available on a non-admitted basis in AZ, AR, CA, CT, DE, ID, IA, NV, NM, OK, PA, TX, UT, and WY. Admitted availability varies by state and risk. Does the program cover items in transit or on loan?Yes. Inland Marine coverage is available to protect items while in transit, on consignment, or temporarily exhibited off-premises. What carrier backs this program?The program is underwritten and placed through Lloyd's, providing capacity and specialty market expertise for collectible and fine art risks. Need help placing an account? Connect with a market specialist.

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Overview of the Program From NSM Insurance Group At Condon Skelly, a division of NSM Insurance Group, we specialize in offering tailored Collector Car Insurance designed with enthusiasts in mind. As classic car collectors ourselves, we understand the unique needs of this market. That’s why we created a program that makes the process of quoting and placing classic car coverage as enjoyable as owning one. Our approach—what we call “happy insurance”—focuses on making car collecting more accessible and fun by simplifying coverage, offering competitive pricing, and delivering exceptional service. Ideal Accounts and Appetite This program is ideal for: Classic and antique vehicles Muscle cars and hot rods Custom or modified collector vehicles Exotic or limited-production models Kit cars and replicas (subject to underwriting) Vehicles must typically be used on a limited basis—such as hobby use, exhibitions, or club events—and stored in a secure, enclosed garage. We’re a strong fit for insureds who are passionate about their collection and understand the importance of proper protection. Coverage Highlights and Advantages Agents and brokers working with Condon Skelly can offer their clients: Agreed Value coverage—no depreciation in the event of a total loss Instant binding and easy online quoting process Flexible mileage plans tailored to usage Optional roadside assistance and spare parts coverage Coverage for vehicles under restoration (subject to approval) Your clients will appreciate our straightforward, collector-focused underwriting and our ability to handle unique vehicle types that may not fit in standard auto markets. Underwriting Notes and Minimum Premiums We work with a variety of carriers to provide broad access to coverage solutions, with minimum premiums that vary based on the vehicle type, usage, and location. Most risks are written on an admitted basis in eligible states. Risks are generally ineligible if the vehicle is used as a daily driver or lacks secure storage. Territories and Availability The Collector Car Insurance program is available in most states, including but not limited to CA, FL, TX, NY, NJ, PA, IL, and OH. Our national footprint extends across 48 states plus Washington, DC, making it easy for you to place business for clients in nearly any location. Why Work With NSM Insurance Group on This Business NSM Insurance Group, through its Condon Skelly brand, has decades of experience in the collector car niche. Our team shares your clients’ passion and brings deep knowledge of both insurance and the collector market. By partnering with us, you gain access to a trusted MGA with a streamlined quoting process, responsive service, and specialized underwriting. Whether your client owns a vintage Corvette or a fully restored muscle car, we have a solution that meets their needs. Frequently Asked Questions What types of collector vehicles are eligible for this program?We insure a wide range of collector vehicles, including classic cars, antiques, hot rods, muscle cars, exotics, and some kit cars or replicas—subject to underwriting approval. Can daily driver vehicles be placed in this program?No, vehicles used for daily commuting or routine transportation are not eligible. This program is designed for limited-use collector vehicles only. What kind of storage is required for eligibility?Eligible vehicles must be stored in secure, enclosed garages or similar protective environments to qualify for coverage. Is agreed value coverage available?Yes, agreed value coverage is a core feature of this program, ensuring that your client receives the full insured value in the event of a total loss. How quickly can coverage be bound?Our easy online quoting platform allows for instant binding in many cases, making it simple to secure coverage without delay. Need help placing an account? Connect with a market specialist.

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.

Comprehensive Healthcare Facilities Insurance from Continental Risk / Continental Marine Insurance Services Continental Risk / Continental Marine Insurance Services offers a Healthcare Facilities Insurance program to help agents place outpatient and non-hospital medical operations. As an experienced Excess & Surplus Lines broker, Continental Risk provides market access to A-rated carriers and tailored solutions for facilities that present unique professional liability, general liability, and property exposures. Ideal Accounts and Target Classes This program is designed for outpatient and non-hospital healthcare facilities that need combined professional and general liability protection, plus property where applicable. Typical classes include: Independent clinics Diagnostic imaging centers Outpatient surgery centers Medical laboratories Urgent care centers Pharmacies Similar outpatient healthcare facilities Example fits: you might have a client opening a multi-site urgent care chain, or a diagnostic lab expanding equipment and staffing—both are the kind of risks this program targets. This program is generally not intended for inpatient hospitals, long-term acute care facilities, or facilities with high-risk cosmetic surgical practices; please confirm unique exposures with underwriters. Coverage Highlights and Advantages Continental Risk packages flexible coverages to address common and complex exposures for outpatient providers. Available coverages include: Professional Liability – defense and indemnity for malpractice and errors & omissions by clinical staff. General Liability – premises, slip-and-fall, product and Completed Ops exposure. Excess Liability – higher limits that sit above primary policies for catastrophic loss scenarios. Property – buildings, equipment, and contents (available up to $5,000,000 Total Insured Value). Standard primary limits typically offered are $1,000,000 per occurrence / $3,000,000 aggregate for General and Professional Liability, with Excess Liability available up to $5,000,000. Property TIV is available up to $5,000,000 where admitted or non-admitted placement is appropriate. Underwriting Notes and Minimum Premiums Continental Risk works through a mix of admitted and non-admitted markets depending on state rules and risk characteristics. Minimum premiums vary by class and exposure; underwriting flexibility is available to accommodate both standard and harder-to-place accounts. To expedite quotes, agents should provide complete submissions including loss history, detailed descriptions of operations, staff credentials and licensure, lease or ownership information for premises, and current insurance schedules where applicable. Territories and Availability The program is available in most U.S. states. Territories include: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, ME, MD, MA, MI, MN, 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. Please confirm state-specific availability before submission. Why Work With Continental Risk / Continental Marine Insurance Services? As a specialist E&S broker, Continental Risk combines deep underwriting relationships with a market-driven approach to place complex outpatient healthcare risks. Agents benefit from access to A-rated markets, flexible admitted/non-admitted placement, and a team experienced with medical professional and premises liability nuances. Continental Risk aims to move quickly on submissions and provide pragmatic risk placement strategies for multi-location and growing practices. Whether your client is launching a new imaging center or expanding urgent care locations, Continental Risk can help structure limits and coverages to match operational and regulatory needs. Need help placing an account? Connect with a market specialist. Frequently Asked Questions What types of healthcare facilities qualify for this program?This program focuses on outpatient and non-hospital facilities such as clinics, urgent care centers, diagnostic labs, pharmacies, and outpatient surgical centers. What coverage limits are available for liability and property?General and Professional Liability are commonly offered at $1,000,000 per occurrence and $3,000,000 aggregate. Excess Liability can be placed up to $5,000,000. Property TIV is available up to $5,000,000 depending on the market. Is this program available nationwide?The program is available in most U.S. states. Confirm state-specific availability with Continental Risk before submitting an application. Are both admitted and non-admitted markets used?Yes. Placement may be admitted or non-admitted depending on the state and the individual risk profile. What information is needed to get a quote?Provide a detailed submission including operations description, staffing and licensure, prior loss runs, lease or property details, and any existing insurance schedules to receive an efficient quote and placement. Need help placing an account? Connect with a market specialist.

Comprehensive Habitational Insurance Solutions from Continental Risk / Continental Marine Insurance Services Continental Risk / Continental Marine Insurance Services offers a dedicated Habitational Insurance program for agents and brokers placing coverage for multi-unit residential property risks. The program provides tailored solutions for apartment complexes, condominium associations, townhome communities, and mixed-use buildings with residential components across a broad geographic footprint. Ideal Accounts and Target Classes This program is designed for insureds who own or manage multi-unit residential properties, including: Apartment buildings (market-rate and affordable housing) Condominium associations Townhome and townhouse communities Mixed-use buildings with residential units Whether your client is a single-property owner, an investor with several complexes, or a property management company, the program can be structured to match different risk profiles and operational models. Coverage Highlights and Available Limits The Habitational Insurance program includes core coverages that address the primary exposures faced by residential property owners: General Liability – $1M per occurrence / $2M aggregate Property Coverage – Up to $5M Total Insured Value (TIV) per location Additional optional or package components commonly available include: Hired & Non-Owned Auto liability Employee Benefits liability Equipment Breakdown coverage These coverages help your clients manage the financial impact of property damage, liability claims, and operational interruptions so they can focus on maintaining occupancy and cash flow. Underwriting Approach and Minimum Premiums Continental Risk / Continental Marine works with a mix of admitted and non-admitted markets to provide flexibility in placement. Underwriting evaluates each submission on its individual merits; key factors include location, construction type, age and condition of building systems, occupancy, management practices, and prior loss history. Minimum premium levels vary by state, limits, and specific risk characteristics. Submissions demonstrating good maintenance, recent system upgrades (roofing, electrical, fire protection), and favorable loss histories generally receive stronger terms. Risks with older construction, recurring claim activity, or significant deferred maintenance are considered but will require detailed documentation and may face more restrictive terms. Territorial Reach The Habitational Insurance program is available nationwide, including all 50 states and Washington, D.C. Continental Risk / Continental Marine can place business in admitted markets where available and use non-admitted solutions where appropriate to achieve the coverage or limits your client needs. Why Work With Continental Risk / Continental Marine Insurance Services? As a wholesale broker, Continental Risk / Continental Marine brings decades of habitational placement experience and relationships with multiple carriers. Agents benefit from: Access to both admitted and non-admitted markets Underwriting expertise focused on multi-unit residential exposures Flexible program structures and available endorsements tailored to property operations Responsive service to help place difficult or specialty habitational risks Example scenarios where this program is a strong option: you have a client managing a 60-unit apartment complex in a coastal area with some older construction and recent system upgrades, or a condominium association seeking higher liability limits and equipment coverage. Continental Risk / Continental Marine can help package those accounts and submit to the markets most likely to offer competitive terms. To learn more about placing habitational accounts through this program, contact the team at Continental Risk / Continental Marine Insurance Services. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include apartment complexes, condominium associations, townhome communities, and mixed-use buildings with residential units. What are the liability and property coverage limits offered?The program offers general liability limits of $1 million per occurrence and $2 million aggregate, with property coverage available up to $5 million TIV per location. Are both admitted and non-admitted carriers available?Yes, Continental Risk / Continental Marine works with a variety of carriers, including admitted markets in select states and non-admitted options where appropriate. What underwriting information is needed for a quote?Typical submissions should include property details, construction year, updates, occupancy, loss history, and current coverage information. Is this program available in all states?Yes, the Habitational Insurance program is available in all 50 states and Washington, D.C. Need help placing an account? Connect with a market specialist.