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Liquor Liability Insurance For more than 25 years, Axiom Insurance Managers Agency, LLC has administered specialized liquor liability programs for the hospitality and retail alcohol sectors. As a program administrator, Axiom partners with experienced non-admitted carriers (A.M. Best A XV) to provide flexible, market-focused solutions for accounts that sell, serve, or distribute alcoholic beverages. Our underwriting is designed to address the operational, legal, and risk-management nuances of bars, restaurants, package stores, and specialty beverage venues so you can place accounts others may decline. Ideal Accounts and Appetite This program targets businesses where alcohol is a primary or significant part of operations. Typical classes we place include: Neighborhood bars, taverns, lounges, and cocktail bars Adult entertainment venues, cabarets, and gentlemen’s clubs Comedy clubs, jazz clubs, and dance/nightlife venues Liquor stores, convenience stores, and grocery stores with alcohol sales Wineries, wine bars, microbreweries, and upscale spirits bars Country clubs, fraternal organizations, and hospitality venues with on-site service Wholesale distributors and specialty beverage retailers Incidental exposures related to hospitality, gaming, retail, and habitational operations can be considered when tied to a primary liquor-related operation. Ineligible accounts typically include stadiums and arenas, college fraternities/sororities, venues with contact sports or high-hazard activities (e.g., pyrotechnics, stunts), and liquor manufacturers. Coverage Highlights and Advantages Axiom’s program offers a package of liability products tailored to liquor exposures, with optional enhancements that help agents assemble comprehensive placements: General Liability: $1M per occurrence / $3M aggregate Liquor Liability: $1M each common cause / $2M aggregate (per-location aggregates apply) Umbrella/Excess: Limits available up to $10M Optional coverages include property, business income, food and beverage spoilage, and assault & battery options (excluded, silent, sublimited, or full up to the GL limit). Additional enhancements available through the program include defense outside the limits, combined single limit wording, hired & non-owned auto liability, valet liability, equipment breakdown, and employment practices liability. Underwriting Notes and Minimum Premiums To obtain competitive terms, submit a complete package. Required materials include: Fully completed and signed ACORD applications 3–5 years of currently valued loss runs or a signed no-loss statement A completed supplemental application (Axiom’s or another carrier’s) Target pricing or expiring premium details The program generally requires a minimum annual revenue of $250,000 and a minimum premium starting at $2,500. A thorough submission helps underwriters evaluate mitigations (security, training, ID checks, incident logs) that can improve terms. Territories and Availability This Liquor Liability program is offered on a non-admitted basis through A.M. Best A XV rated carriers and is available in most U.S. states, including the District of Columbia. Direct bill and premium financing options are available. States available: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, PA, RI, SC, SD, TN, TX, UT, VA, WA, DC, WV, WI, WY. Why Work With Axiom Insurance Managers Agency Axiom combines deep hospitality underwriting experience with market access to places hard-to-place liquor accounts. We work closely with agents to evaluate exposures, suggest risk controls, and structure terms that align with the insured’s operations. Because we operate as a program administrator, we can be flexible on wording and optional coverages while relying on stable carrier relationships. Example account scenarios you can place through this program: A rapidly growing wine bar with curated tastings, modest food service, and a documented server training program seeking liability and liquor limits with an umbrella. A chain of neighborhood liquor stores with valid ID procedures, loss runs showing minimal liquor-related incidents, and interest in combined GL/liquor liability wording. If you need help assembling a submission or confirming state availability, connect with a market specialist: Connect with a market specialist. Frequently Asked Questions What types of accounts are a good fit for this program?This program is best for businesses that sell or serve alcohol as a core activity—bars, clubs, liquor stores, wineries, and similar retail or hospitality operations. Are incidental risks like gaming or hospitality eligible?Yes. Incidental exposures tied to a primary liquor operation—such as limited gaming, small event hosting, or attached food service—can be considered on a case-by-case basis. Is this program available in all states?The program is available in most U.S. states, including the District of Columbia. Availability may vary by state—confirm with Axiom before submitting. What is the minimum premium for this program?Minimums typically start at $2,500, and a minimum revenue threshold of $250,000 is generally required for eligible accounts. What submission materials are required?Provide a signed ACORD, 3–5 years of loss runs (or a no-loss statement), a supplemental application, and target or expiring premium details to help secure the best terms. Need help placing an account? Connect with a market specialist.

Comprehensive Stock Throughput Insurance from LIG Marine Managers LIG Marine Managers, Inc. offers a robust Stock Throughput Insurance program designed for manufacturers and distributors that require seamless protection across all stages of the supply chain. This policy integrates Ocean Cargo, Inland Transit (road, rail, air), and warehouse or manufacturing location coverage—providing end-to-end insurance for goods in transit and at rest, anywhere in the world. Ideal Accounts and Target Industries This program is ideal for companies with complex logistics and international exposure, such as: Manufacturers who ship components to overseas facilities for processing or assembly Businesses utilizing third-party warehouses or distribution centers Retailers with global supply chains and multiple storage or transit points You might have a client who sources raw materials in Asia, assembles products in Mexico, and distributes them across North America. This program can offer continuous coverage from the point of origin, through each transit and storage phase, to final delivery. Coverage Highlights LIG Marine Managers' Stock Throughput program includes a wide range of critical coverages under one policy: Ocean Cargo and Inland Transit – Covers goods in motion via sea, road, rail, or air Warehouse and Location Coverage – Protects goods stored at owned or third-party facilities General Liability Hull and Machinery Products Liability Builders Risk Clauses Protection & Indemnity – Including sea trials, demonstrations, and delivery if required With limits available up to $25,000,000, this program is structured to meet the needs of mid to large-scale operations with complex logistics and high-value goods. Underwriting and Minimum Premiums The minimum premium starts at $25,000, including Products Liability. This reflects the comprehensive nature of the policy and the tailored underwriting approach LIG Marine Managers brings to each account. Submissions should include full transit details, storage locations, and values to ensure accurate quoting. Available Markets and Territories LIG Marine Managers writes this program through a variety of carriers across both admitted and non-admitted markets, depending on the risk. Coverage is available in all 50 states and Washington D.C., including surplus lines placements where necessary. Why Work With LIG Marine Managers? As a Managing General Agency and Excess & Surplus Lines Broker specializing in marine and logistics-related risks, LIG Marine Managers brings decades of expertise to complex supply chain exposures. Their underwriting team understands the nuances of international transit, multimodal shipping, and storage risk—making them a strategic partner for agents handling sophisticated accounts. Please contact us today for more information on our Stock Throughput program! Frequently Asked Questions What types of accounts are a good fit for this Stock Throughput program?Ideal accounts include manufacturers, importers, exporters, and retailers with international or multi-stage supply chains that involve both transit and storage. Does this program cover goods stored at third-party warehouses?Yes, the policy includes location coverage for goods stored at owned or third-party facilities worldwide. What is the minimum premium for this program?The minimum premium is $25,000, which includes Products Liability coverage. Is this program available nationwide?Yes, this program is available in all 50 states and Washington D.C., through a mix of admitted and non-admitted markets. What information is needed to get a quote?Agents should provide details on the transit routes, storage locations, values of goods, and the insured’s operations to receive an accurate quote. Need help placing an account? Connect with a market specialist.

Policy Highlights: Colonial General Insurance Agency, Inc. offers a specialized Adoption and Foster Placement Insurance program that helps independent agents and brokers place tailored coverage for clients in the foster care and adoption space. Leveraging access to A.M. Best A+ rated carriers, Colonial General delivers comprehensive solutions through a streamlined underwriting workflow and focused human-services expertise. Overview of the Program From Colonial General This program addresses the liability, professional exposure, and operational risks commonly faced by foster care and adoption providers. Colonial General operates as a Managing General Agency and Excess & Surplus Lines broker, using carrier relationships to place accounts that may be difficult to place in standard markets. The program supports both individual licensed foster homes and agency-level operations with coverages sized to match each client’s services and footprint. Ideal Accounts and Appetite Colonial General targets the following account types: Private and nonprofit adoption agencies Foster care placement organizations Individual licensed foster homes Group homes and youth residential facilities (subject to underwriting) Programs involving high-risk youth, 24/7 care, intensive behavior-management programs, or significant prior losses are considered but typically require enhanced underwriting review and may be placed in non-admitted markets. Coverage Highlights and Advantages Agents can assemble a complete program of coverages to address common exposures faced by foster care and adoption providers: General Liability Professional Liability (Errors & Omissions) Directors & Officers (D&O) Employment Practices Liability Sexual Misconduct Liability Property and Auto Workers’ Compensation Umbrella Liability These coverages can be written for single-family foster homes up to multi-county agency operations, allowing you to tailor limits and endorsements to licensing and contractual requirements. Underwriting Notes and Minimum Premiums Each submission is individually underwritten. Pricing and eligibility are driven by factors such as the size of the operation, services provided, staff training and screening practices, background checks, physical plant conditions, and loss history. Colonial General works with agents to identify the appropriate admitted or E&S market for each account; a minimum premium is determined per submission and discussed during quoting. Territories and Availability This program is available to licensed agents and brokers in the following states: Arizona (AZ) California (CA) Colorado (CO) Idaho (ID) Nevada (NV) New Mexico (NM) Utah (UT) Wyoming (WY) Coverages may be placed on an admitted or non-admitted basis depending on state regulation and the profile of the risk. Why Work With Colonial General on This Business Colonial General combines regional market relationships, sector-specific underwriting experience, and access to A.M. Best A+ carriers to help you place challenging foster care and adoption accounts. Their team is accustomed to the documentation and licensing requirements common to human services providers and can guide agents through placement options, endorsements, and risk-mitigation suggestions. Example: You might have a nonprofit foster placement agency operating across several counties that needs combined general liability, professional liability, and D&O coverage to meet funder and licensing requirements. Colonial General can coordinate submissions across admitted and E&S markets to assemble a compliant package. Frequently Asked Questions What types of accounts are a good fit for this program? This program is best for private and nonprofit adoption agencies, foster placement organizations, and licensed individual foster homes operating in the Western U.S. Which states is this program available in? Coverage is available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Are both admitted and non-admitted markets used? Yes. Colonial General will consider admitted placements where available and appropriate, and use E&S markets when a risk requires broader terms or when state markets are limited. Can small individual foster homes get coverage through this program? Yes. The program includes options tailored for individual licensed foster homes as well as larger agency operations, with limits and endorsements adjusted to the size and services of the home. What liability lines are commonly available? Common liability lines include General Liability, Professional Liability, D&O, Employment Practices, Sexual Misconduct Liability, and Umbrella coverage. Need help placing an account? Connect with a market specialist.

RPS NIPC offers a tailored Church and Religious Institutions Insurance program that helps agents place coverage for houses of worship and affiliated ministries. The program is designed for churches, synagogues, temples and other religious organizations — including parochial schools, daycares, cemeteries and community social-service programs operated by faith-based organizations. Coverage is available through A.M. Best rated "A" carriers and is distributed by RPS NIPC as a program administrator. Overview of the program from RPS NIPC This program bundles core liability and property protections with specialized coverages that houses of worship commonly need. You can assemble broad packages that include general liability, pastoral counseling/service liability, abuse coverage, management liability (D&O with EPLI), property/inland marine, crime, auto liability (owned, hired & non-owned), excess liability and workers' compensation. Cyber liability is available as part of the package in eligible states (not offered as a standalone cyber policy). Ideal accounts and appetite Small to mid-size congregations and single-site houses of worship Religious schools, daycare programs and community outreach ministries Cemeteries and funeral-related operations affiliated with a religious organization Organizations that perform pastoral counseling, volunteer programs, and other ministry services Accounts with clear governance, documented volunteer and staff screening procedures, and standard risk management (e.g., child protection policies, facility safety checks) generally fit well. Larger, nationwide ministries or accounts with extensive commercial operations should be submitted for review — appetite may vary by carrier. Coverage highlights and advantages Pastoral counseling and service liability forms tailored for faith-based exposures. Physical and sexual abuse coverage included as an option to address the most sensitive exposures. Management liability (D&O) with employment practices liability (EPLI) to protect boards and leadership. Property and inland marine for church-owned buildings, contents, and specialty items (e.g., musical instruments). Crime and fidelity coverage designed for donations, collections and volunteer-handled funds. Auto liability for parish vans and other owned, hired or non-owned vehicles. Access to excess liability and workers’ compensation through admitted paper where available. Underwriting notes and minimum premiums Minimum premium: varies by state and carrier. Typical submissions should include a completed application, current loss runs (usually 3–5 years), descriptions of programs and services (including youth programs), payroll and volunteer counts, and copies of key policies (child protection, volunteer screening, facility use agreements). Underwriting will evaluate exposures such as daycare operations, boarding, camps, large public events and cemetery operations. If an account has prior abuse-related losses, large liquor exposures, or extensive commercial rental operations, expect additional underwriting review. Territories and availability Admitted status: All Available States. Available in: 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. Coverage features and availability vary by state and by carrier — contact RPS NIPC underwriting for specific state questions. Why work with RPS NIPC on this business Program administrator with focused underwriting for faith-based risks and related social services. Access to A.M. Best "A" carriers and admitted paper in the states listed. Specialized forms for pastoral liability, abuse exposures and management liability — reducing form gaps common with standard commercial packages. Practical placement options: package pricing, excess layers and workers’ compensation to create a comprehensive solution for a house of worship and its ministries. Example accounts You have a mid-size, single-site church that runs a preschool and several youth programs — this program can place GL, property, abuse coverage, D&O/EPLI and auto liability for church vans in a single package. A synagogue operating a cemetery and community outreach meals program — you can assemble property, cemetery service liability, crime coverage for collections, and excess limits through the program’s markets. For more information on our Church and Religious Institutions Insurance and other RPS NIPC Specialty Programs, please visit our website. Frequently Asked Questions What types of religious organizations are a good fit for this program?RPS NIPC’s program is best for small to mid-size churches, synagogues, temples and affiliated ministries such as parochial schools, daycare programs, cemeteries and community outreach services. Larger or more complex national ministries should be submitted for review. Is sexual/physical abuse coverage included?Physical and sexual abuse coverage is available as part of the program. Because abuse exposures are sensitive, underwriters will review policies, volunteer screening and incident history during submission. Can I include cyber liability for a house of worship?Cyber liability can be added as part of the package in eligible states, but it is not offered as a standalone cyber policy. Availability and limits vary by state and carrier. What submission materials does underwriting typically request?Common requirements include a completed application, recent loss runs, descriptions of programs/services (especially youth programs), payroll and volunteer counts, and copies of relevant risk management policies (e.g., child protection, facility use rules). Who underwrites and places the business?RPS NIPC acts as the program administrator working with A.M. Best rated "A" carriers to underwrite and place admitted coverage in the states listed. Contact RPS NIPC underwriting for specific appetite, terms and state availability. Need help placing an account? Connect with a market specialist.

Dependable Workers' Compensation for Manufacturing Risks Since launching in 2008, SeaBright Insurance Company and Matias Underwriters have provided reliable, industry-focused workers' compensation coverage for manufacturing operations. Our underwriters evaluate each account on its specific exposures, safety controls and loss history to deliver tailored eligibility decisions and competitive pricing. This program is built for agents who need responsive service, disciplined underwriting, and admitted solutions across the program territory. Ideal Accounts and Target Classes SeaBright’s manufacturing workers' compensation program has broad appetite across light- to moderate-risk manufacturing. We write accounts from smaller shops to larger, more complex operations. Target classes include: Bakeries Boot/Shoe Manufacturing Breweries, Distilleries, and Bottlers Box, Paper Goods, and Packaging Manufacturers Brass, Copper, and Sheet Metal Products Electronics and Electrical Apparatus Manufacturing Food Processing and Canneries Furniture and Mattress Manufacturing Glass, Pottery, and Plastics Manufacturing Machine Shops and Tool Makers Pharmaceuticals, Surgical Goods, and Paint Manufacturing Textile Manufacturers and Tailors Publishers and Printers Jewelry, Leather Goods, and Luggage Manufacturing For specialty or niche manufacturing segments, our underwriting team is available to review unique operations and help you place business with confidence. Coverage Highlights and Advantages SeaBright’s workers' compensation program is structured to address common manufacturing exposures while providing straightforward service to producers. Key advantages: Underwriting expertise focused on manufacturing risks Customized underwriting that looks at operations, controls and loss trends Flexible, responsive service from experienced underwriters Strong claims handling and industry-specific claims support Underwriting Notes and Minimum Premium We consider accounts of varied sizes; the program’s minimum premium is $25,000. Underwriting decisions reflect the operation’s scale, safety program, loss history and industry exposures. Typical characteristics of a good fit include stable operations, documented safety protocols, and manageable loss experience. Accounts with frequent, severe losses or unusually hazardous operations may not qualify. Example fits: You might have a regional bakery with centralized safety procedures and a clean loss record seeking admitted coverage across multiple states — this program can be competitive. A mid-sized electronics assembler with formal return-to-work and safety programs could also be a solid fit for SeaBright’s manufacturing appetite. Territories and Availability This program is available in the following states: CT, DE, FL, GA, IN, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, NE, NH, NJ, NC, OK, RI, TN, TX, VT, VA, DC, and WI. SeaBright offers admitted coverage in all available territories. Why Work With SeaBright and Matias SeaBright Insurance Company specializes in workers' compensation for niche industries that require focused underwriting and claims expertise. Rated A- IX (Excellent) by A.M. Best*, SeaBright combines financial strength with underwriting discipline. Matias Underwriters is a dedicated commercial brokerage and program administrator with deep experience placing manufacturing accounts. Our team prioritizes quick responses, clear communication, and practical solutions that help you close business efficiently. Contact us today to learn how SeaBright and Matias can support your manufacturing clients: Glenn Matias · Phone: 781.710.8022 · Email: [email protected] Send your submissions to [email protected] *A.M. Best ratings range from “A++” (Superior) to “F” (In Liquidation). Ratings from “A++” to “B+” are generally considered “Secure.” Frequently Asked Questions What types of accounts are a good fit for this program?The program is best for manufacturers with stable operations, documented safety programs, and reasonable loss histories. We target a broad set of manufacturing classes including food processing, electronics, machine shops, and light assembly. What is the minimum premium for submissions?The minimum premium for this program is $25,000. We will consider accounts of different sizes provided they meet underwriting guidelines. In which states is this program available?The program is available in CT, DE, FL, GA, IN, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, NE, NH, NJ, NC, OK, RI, TN, TX, VT, VA, DC, and WI. Does SeaBright offer admitted coverage?Yes. SeaBright provides admitted workers' compensation coverage in all program states listed above. Who should I contact for quotes or questions?Contact Glenn Matias at 781.710.8022 or [email protected]. Send submissions to [email protected]. Need help placing an account? Connect with a market specialist.

...nd Appetite Manufacturers and assemblers of hospital-grade medical devices, ...

...not intended for manufacturers, assemblers, or importers of foreign goods. ...is not intended for manufacturers, assemblers, or importers of foreign goods. ...

General Wholesale Insurance Empire Brokerage Services, LLC is a wholesale brokerage partner focused on placing complex or non-standard commercial risks through our General Wholesale Insurance program. Built for independent agents and brokers, this program provides access to multiple specialty markets and surplus lines capacity for accounts that require tailored underwriting, flexible terms, and creative placement solutions. Ideal Accounts and Appetite Our General Wholesale Insurance program is designed for mid-sized to larger commercial accounts with premium budgets typically between $10,000 and $100,000 or more. We handle both standard and hard-to-place risks — particularly accounts that struggle to fit admitted carrier guidelines. Most business is placed non-admitted to allow broader coverage options and competitive pricing for uncommon exposures. Target classes include: Product and component manufacturers General contractors and artisan trades Wholesale distribution, warehousing and storage Commercial and habitational real estate owners Vacant buildings and properties Retail and service operations Example scenarios you might place through this program: A regional wholesaler with multi-state warehousing and transportation exposures that require a customized commercial package and products liability extensions. A contractor who owns mixed-use property with higher liability and property limits that an admitted market will not underwrite without significant endorsements. Coverage Highlights and Advantages Empire Brokerage’s General Wholesale Insurance program offers a broad suite of commercial coverages so you can assemble the solution your client needs. Available coverages include: Monoline Property and Commercial General Liability, including Products Liability Commercial Package Policies (CPP) Commercial Auto Umbrella and Excess Liability Workers’ Compensation These options let you structure layered liability limits, multi-location property schedules, and endorsements for niche exposures. Writing non-admitted when appropriate lets underwriters tailor terms for risks outside standard appetite. Underwriting Notes and Minimum Premiums Underwriting focuses on complex risks, exposures with higher limits, unique operations, or accounts with prior coverage gaps. We work with you to assemble the required submission data and find the market that matches the account’s nuances. Minimum premiums typically start at $1,000, with many placements falling in the $10,000–$100,000+ range depending on industry, limits, and loss history. Provide complete loss runs, detailed operations descriptions, and current risk controls to accelerate placement. Territories and Availability Our General Wholesale Insurance program is available to agents and brokers in the following states: Connecticut (CT) Florida (FL) Georgia (GA) Indiana (IN) Maine (ME) New Jersey (NJ) New York (NY) Pennsylvania (PA) Rhode Island (RI) Because most capacity is placed on a non-admitted basis, we can offer broader terms where admitted options are limited or unavailable. Availability and specific coverage features may vary by state and carrier market. Why Work With Empire Brokerage Services, LLC? Empire Brokerage brings deep wholesale market access and experienced underwriting to help you place accounts that fall outside standard market appetites. Our strengths include: Access to multiple specialty and surplus markets that underwrite complex commercial exposures. Hands-on underwriting support to structure submissions and negotiate terms. Responsive service aimed at getting difficult risks placed promptly so you can grow your book of business. When you partner with Empire Brokerage Services, LLC, you gain a market-savvy wholesale broker focused on practical solutions for contractors, manufacturers, wholesalers, property owners, and other mid- to large-sized commercial risks. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for mid-sized to large commercial risks, including manufacturers, contractors, wholesalers, real estate owners, and vacant properties that may not qualify for standard markets. Are these policies written on an admitted or non-admitted basis?Most policies in this program are written on a non-admitted basis, which allows for more flexibility in underwriting and coverage terms. What is the minimum premium for coverage?Minimum premiums typically start at $1,000, with most accounts ranging from $10,000 to $100,000 or more depending on the risk. Which states is this program available in?The program is available in CT, FL, GA, IN, ME, NJ, NY, PA, and RI. What kind of support can I expect from Empire Brokerage Services?You can expect responsive service, expert underwriting guidance, and access to multiple markets that specialize in complex or non-standard risks. Need help placing an account? Connect with a market specialist.

Citadel Insurance Services’ Oil and Gas Contractors Insurance Program is built for agents who place energy-related contractors and service providers. Whether your client performs exploratory drilling, well servicing, equipment hauling, or pipeline work, we provide tailored placement options and access to admitted and non-admitted markets. Our underwriting team understands operational exposures common to upstream and midstream contractors and moves quickly to match each risk with the right carrier, coverage form, and pricing so you can keep your client moving. Ideal Accounts and Appetite We write a broad range of oil and gas contractors and service providers, with a focus on clean, well-documented operations. Typical target classes include: Well Servicing and Work-over Contractors Drilling Operations Oilfield Equipment Rental and Repair Pipeline Contractors Water and Oilfield Equipment Haulers Roustabout Contractors Wireline Contractors Swabbing Contractors Instrument Logging ...and other upstream and midstream service providers Example: You might have a client who operates a small fleet of trucks delivering water to drilling sites—this is a class we routinely place. Another common fit is a mid-sized workover contractor with leased rigs and experienced crews who needs a complete package of liability, auto, and inland marine coverage. Coverage Highlights and Advantages We assemble competitive, complete packages that address both routine and specialty exposures. Program features include: Admitted coverage available on most classes; non-admitted capacity where needed Non-auditable options for qualifying classes General Liability, Commercial Auto, Excess Liability, Inland Marine, Property, and Workers' Compensation Contractors Pollution Liability and Sudden & Accidental coverage UGRE (Underground Resources and Equipment) coverage Blanket Additional Insured, Waiver of Subrogation, and Primary & Non-Contributory wording Access to strong carriers including Arch, Starr, AIG, Zurich, Markel, and Kinsale Our goal is to help you build a cohesive program that covers operational, transportation, and pollution risks—so insureds aren’t left with gaps between policies. Underwriting Notes and Minimum Premiums We evaluate each submission on its individual merits. Minimum premium typically starts at $7,500, with flexibility by class, state, and coverage needs. Clean, complete submissions (current loss runs, ACORD apps, detailed operations descriptions, and vehicle schedules) help our team respond faster and improve placement outcomes. Territories and Availability This program is available across the country in all 50 states and Washington, D.C. Admitted options exist for most classes; where admitted paper is not available or competitive, we place non-admitted solutions through our carrier relationships. Why Work With Citadel Insurance Services? As a wholesale broker with deep experience in energy-related risks, Citadel Insurance Services pairs market access with hands-on underwriting support. We focus on responsiveness, thoughtful risk placement, and leveraging established carrier relationships to secure the coverage your clients need. Work with our specialists to navigate complex submissions, assemble competitive quotations, and close placements efficiently. Frequently Asked Questions What types of accounts are a good fit for this program?We focus on oil and gas contractors including well servicing, drilling, pipeline construction, equipment haulers, and more. Both small and mid-sized operations are welcome. Is admitted coverage available?Yes, admitted coverage is available for most classes within the program, depending on the state and risk profile. What is the minimum premium for this program?The minimum premium starts at $7,500, though it may vary based on class, location, and coverage selected. Which states is this program available in?The program is available in all 50 states and Washington, D.C. What carriers are used in this program?We work with top-rated carriers including Arch, Starr, AIG, Zurich, Markel, and Kinsale to match risks to the right market. Need help placing an account? Connect with a market specialist.

Environmental Insurance Coverage — Cochrane & Company Cochrane & Company places hard-to-place environmental risk using broad market access and specialist underwriting. Our Environmental Insurance Coverage program helps you place contractors, restoration firms, manufacturers of environmental/industrial products, tank owners, dry cleaners and other accounts with pollution exposures. We work with multiple A-rated carriers and can assemble primary and excess solutions — including supported and unsupported excess — to match client needs. Overview of the Program This program supports Environmental Contractors General Liability, Pollution Liability, and Professional Liability. It also covers restoration contractors (fire/water damage, mold remediation, water extraction, air duct cleaning), environmental & industrial products (GL, products pollution, site pollution), storage tanks, dry cleaners, environmental auto, on-site and off-site site pollution exposures (including BI/PD), and environmental excess liability. Capacity is available up to $10,000,000 on excess layers. Ideal Accounts and Appetite Environmental contractors performing remediation, site work, or contracting services with pollution exposures. Restoration firms handling water/fire/mold jobs and requiring pollution and professional liability protection. Manufacturers/distributors of environmental or industrial products needing products pollution and site pollution coverage. Owners/operators of storage tanks, fuel handling locations, and dry cleaners. Fleets and autos where broadened pollution or MCS-90 filing is required (auto must be written with GL). Accounts that typically fit: firms with documented loss controls, trained remediation crews, stable revenue profiles, and manageable historic pollution claims. Accounts with ongoing large-scale environmental cleanup orders or complex legacy contamination may require specialized underwriting and additional site information. Coverage Highlights and Advantages Multiple cover types: General Liability, Contractors Pollution, Contractors Professional, Mold, Premises Pollution, Non-Owned Disposal Site, Transportation Pollution, and Auto Liability with broadened pollution endorsements. Excess placement up to $10,000,000 — supported and unsupported options depending on the account. Access to a panel of A-rated carriers (markets vary by account) through Cochrane & Company’s MGA relationships. Flexible solutions for on-site and off-site cleanups, including business interruption and property damage exposures tied to pollution events. MCS-90 filings available when auto is bound in conjunction with GL. Underwriting Notes and Minimum Premiums Underwriting focuses on the scope of operations, history of pollution claims, environmental controls, contracts and indemnity language, and the presence of professional services exposures. Standard submission materials include client applications, loss runs, scope-of-work documentation, and any environmental assessments or protocols relevant to the account. Minimum Premiums: Starting at $2,500.00. Final pricing, terms and availability depend on class, limits, prior loss history, and territory. Territories and Admitted Status Available in: AK, AZ, CA, CO, ID, MT, NV, NM, ND, OR, SD, UT, WA, WY. This program is placed through non-admitted markets; admitted availability is not indicated. Specific state rules and filings may apply — underwriters will confirm on a per-account basis. Why Work With Cochrane & Company Cochrane & Company offers specialist underwriting insight, daily market access, and experience placing complex environmental risks. We can tailor programs that combine GL, pollution, and professional products with excess capacity when needed. If you have a challenging environmental placement, our brokers can package submissions for multiple carriers to secure competitive terms. Example Accounts A mold remediation contractor performing commercial restorations seeking combined Contractors Pollution and Professional Liability with limits and endorsements for scope-of-work operations. An industrial products manufacturer requiring products pollution and premises pollution coverage after a product-related contamination claim, looking for primary limits plus excess capacity. Please contact your dedicated Cochrane & Company broker to tailor an environmental insurance coverage solution for your client. Cochrane & Company can access multiple A-Rated carriers on your behalf — call us for more information. Frequently Asked Questions What types of accounts are a good fit for this Environmental Insurance program?Good fits include environmental and restoration contractors, manufacturers or distributors of environmental/industrial products, storage tank owners, dry cleaners, and fleets with pollution exposures. Ideal accounts have documented controls, manageable loss history, and clear scopes of work. What minimum premium and limits should I expect?Minimum premiums start at $2,500.00. Limits are account-specific; excess capacity is available up to $10,000,000. Final pricing and available limits depend on class, loss history, and underwriting review. Are these placements admitted or non-admitted?This program is placed through non-admitted markets (no admitted filings indicated). State availability and filing requirements will be confirmed during underwriting. What submission information do underwriters typically require?Provide a completed application, recent loss runs, description of operations/scope of work, any environmental assessments or protocols, and relevant contracts or indemnity language. Additional site or project details may be requested for large or complex risks. Is MCS-90 available for accounts with auto exposure?Yes — broadened pollution endorsements and MCS-90 filings are available when Auto Liability is written in conjunction with General Liability. Underwriters will confirm specific filing requirements per state and account. Need help placing an account? Connect with a market specialist.