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Workers Compensation Insurance for manufacturing operations can be especially complex. Electrical equipment manufacturers face unique risks tied to specialized processes, energized work, assembly and testing activities, and potentially costly claims. Novatae Risk Group offers a tailored Electrical Equipment Manufacturer Workers Compensation Insurance program developed in partnership with Empire to address those industry challenges and give agents a reliable market for these accounts. Whether you are moving an existing client to a new carrier or targeting new manufacturing business, Novatae’s program provides a focused option for electrical equipment manufacturers. Our underwriting team and brokers will evaluate accounts for fit within the program’s appetite and structure — helping you place business efficiently. Please contact us at 800-758-8113 to speak with our experienced brokers about your Electrical Equipment Manufacturer Workers Compensation Insurance accounts. Ideal Accounts and Appetite Manufacturers of electrical components and devices Operations involving assembly, fabrication, and testing of electrical equipment Accounts with documented safety programs and moderate-to-good loss histories Typical fits include clients that manufacture circuit boards, transformers, control panels, switchgear, or related electrical assemblies. We will consider accounts with a history of larger losses when accompanied by loss explanations, remediation plans, and strong safety documentation. Example scenarios agents commonly place through this program: A mid-sized control panel fabricator with a formal safety program, lockout/tagout procedures, and three years of stable loss runs. A contract electronics assembler that conducts final testing and calibration on finished boards, with documented training and low frequency of claims. Program Features Only $7,500 Minimum Premium Program Highlights 10% commission for appointed agents Fast quote turnaround with completed submissions Access to multiple markets through Novatae’s carrier relationships Coverage available in over 20 states Submission Requirements ACORD 130 application Three years of currently valued loss runs Completed supplemental questionnaire Details on any large or unusual losses States and Availability Coverage is currently available in the following states: AL, AK, AZ, AR, CA, CO, CT, FL, GA, IL, KY, LA, MS, MO, NV, NJ, NM, NY, NC, PA, SC, TN, TX, UT, VA, WV. Admitted and non-admitted options are available depending on the market and state. Why Work With Novatae Risk Group Novatae Risk Group is a Managing General Underwriter and Excess & Surplus Lines Broker with deep expertise in niche and hard-to-place manufacturing risks. We combine underwriter responsiveness, targeted appetite, and broad carrier access to help you close more workers compensation placements for electrical equipment manufacturers. Our team can guide submission requirements, advise on loss control documentation, and move accounts quickly when fit is confirmed. Do you need a Workers Compensation Insurance Quote for your Electrical Equipment Manufacturer? Send an email to [email protected] with your coverage needs or call 800-758-8113 to speak to an underwriter immediately. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include manufacturers of electrical components, control systems, panels, and other electrical equipment with stable operations and a moderate-to-good loss history. What is the minimum premium for this Workers Compensation program?The minimum premium starts at $7,500, making the program suitable for mid-sized operations and larger manufacturers. Which states is this program available in?This program is available in over 20 states, including CA, TX, FL, NY, and IL, among others listed above. What documents are needed to submit an account?Submissions should include an ACORD 130, three years of currently valued loss runs, a completed supplemental questionnaire, and details on any large or unusual losses. How quickly can I expect a quote?Quotes are typically provided quickly once a complete submission is received, thanks to Novatae’s efficient underwriting team. Need help placing an account? Connect with a market specialist.

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.

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.

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

Overview — Gates-Cole Insurance Business Insurance Gates-Cole Insurance provides Business Insurance solutions you can place for small and mid-sized commercial clients throughout Central New York. We make it straightforward for agents and brokers to secure the right package of property, liability, workers' compensation, auto and specialty coverages — and we can help customize policies to match each client’s exposures. Whether your prospect is brand new to the market or has recent loss runs, Gates-Cole underwriters will review and tailor options that address real business risks. Typical Coverages Property Insurance — Pays for repair or replacement of physical assets after fire, wind, hail, vandalism and similar perils. Liability Insurance — Protects against third-party claims for bodily injury or property damage arising from operations, products or services. Workers' Compensation Insurance — Covers medical care and wage replacement for injured employees and helps reduce the risk of employment-related litigation. Business Auto Insurance — Covers liability and physical damage exposures for owned or hired vehicles used in the business. Business Crime Insurance — Protects against fraud, theft, forgery and robbery affecting the business. We also write a range of supplemental and specialty options to fill gaps in traditional packages: Employment Practices Liability (EPLI) — Defense and liability for discrimination, harassment or wrongful-employment claims. Life Insurance for Business Owners — Solutions for succession planning, key-person protection and retention/reward strategies. Umbrella/Excess — Additional liability limits to protect against severe judgments. Bailee Insurance — Coverage for damage to customers’ property in your care, custody or control. Transportation & Cargo — Protection for goods while in transit by owned vehicles or contracted carriers. Spoilage Insurance — Coverage for perishable goods lost to mechanical breakdown or power outage. Delivery / Catering Non-Owned Auto — Liability coverage when employees use personal vehicles for deliveries or catering services. Ideal Accounts and Appetite Gates-Cole is well suited for small and medium-sized businesses across retail, restaurants and food services, light manufacturing, wholesalers, contractors and a broad range of professional and service businesses. We routinely consider accounts with prior losses or recent claims — bring loss runs and we will evaluate. Accounts that typically fit: Single-location and multi-location small businesses Service contractors, landscapers, and small construction-related operations (light exposure) Retailers, offices, and light manufacturing/assembly Businesses requiring combined property, liability and auto programs Accounts with large, atypical cat exposures, significant professional liability without controls, or specialty hazards may require referral to specialty carriers; underwriting will identify those limits during submission review. Underwriting Notes Standard submission requirements: ACORD application, current loss runs (usually 3–5 years), payroll or revenue breakdown, and vehicle lists when auto coverage is requested. We can consider accounts with recent claims; early submission of loss history speeds decisioning. If additional information is needed (e.g., financials, safety programs, detailed contracts), underwriters will request it to place and price the account accurately. Territories and Availability Gates-Cole writes Business Insurance across New York. We also maintain a local presence to support agents and clients with in-person meetings. We have 10 locations in Central New York and provide Business Insurance advice and quotes in all 10 locations, pick the one most convenient for you - Morris, NY | Oneida, NY | Sangerfield, NY | New Hartford, NY | West Winfield, NY | New Berlin, NY | Sidney, NY | Cherry Valley, NY | Norwich, NY | Stittville, NY Why Work With Gates-Cole Local underwriting knowledge and in-person service through 10 Central NY locations. Broad suite of commercial coverages and the ability to assemble customized programs for common small to mid-market risks. Responsive review of accounts with loss history — bring the loss runs and our team will evaluate placement options. Practical, agent-focused support to help you present proposals and coverage comparisons to clients. If your client is already covered, it’s still worth a review — policies and exposures change over time and a short walk-through with one of our Business Insurance experts can confirm gaps or savings opportunities. Frequently Asked Questions What types of accounts are a good fit for Gates-Cole Business Insurance?Small to medium-sized businesses in retail, restaurants, light manufacturing, service contractors, wholesalers and professional service firms are good fits. We commonly place package programs that combine property, liability, auto and workers’ comp. Can you quote accounts that have recent loss history or claims?Yes. Gates-Cole routinely evaluates accounts with recent claims — provide current loss runs with your submission so underwriting can assess trends and offer the most appropriate options. What information should I include with a submission to speed placement?Include a completed ACORD application (or equivalent), loss runs (last 3–5 years), payroll/revenue breakdown, and vehicle schedules for auto. If available, include safety programs, risk-control documentation, and lease or customer contracts for higher-exposure classes. Is coverage available statewide?Gates-Cole provides Business Insurance across New York and supports agents with local offices in Central New York for face-to-face consultations and policy service. 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.

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.

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

Products Primary Auto Liability Cargo Commercial General Liability Physical Damage Umbrella Workers' Comp Occupational Accident Warehouse Legal Comprehensive Moving & Storage Insurance Solutions from Avant Avant offers a robust Moving & Storage Insurance program designed specifically for agents and brokers seeking reliable markets for clients in the transportation and warehousing sectors. As a Managing General Agency (MGA), Avant brings access to a wide range of carriers and tailored coverage options that address the complex risks faced by moving companies, storage facilities, and logistics providers. Ideal Accounts and Risk Appetite This program is well-suited for both regional and national moving companies, household goods carriers, commercial movers, and storage operations. Whether your client operates a single location or a multi-state fleet, Avant can help you secure coverage for a wide range of exposures, including: Local and long-haul moving operations Warehouse storage facilities Freight and cargo transporters Companies offering packing, crating, and logistics services You might have a client who operates a moving company with multiple trucks across several states and needs a bundled solution for auto liability, cargo, and warehouse liability—Avant is equipped to help you place that business efficiently. Coverage Highlights Avant’s Moving & Storage Insurance program includes a full suite of coverages essential to the industry: Primary Auto Liability Cargo Insurance to protect goods in transit Commercial General Liability for operations and premises Physical Damage coverage for owned vehicles Umbrella/Excess Liability options Workers' Compensation and Occupational Accident coverage Warehouse Legal Liability to protect stored goods This comprehensive offering allows you to assemble a complete risk solution tailored to each client’s operations and exposures. Underwriting and Minimum Premiums Avant works with various carriers to provide flexible underwriting solutions. Minimum premiums vary depending on the account size, line of coverage, and state, allowing agents to place small to mid-sized accounts effectively. Submissions are reviewed by experienced underwriters who understand the transportation and logistics space. Available Nationwide This program is available in most states, including CA, TX, FL, NY, IL, and many others. Whether your client operates in a major metro area or a rural region, Avant’s coverage footprint makes it easier for you to find the right fit. Why Work With Avant? Avant stands out as a reliable MGA with deep expertise in commercial auto, logistics, and storage operations. Their broad market access, knowledgeable underwriting team, and responsive service make them a valuable partner for agents placing complex transportation risks. With admitted options available in most states, Avant offers a competitive and customizable solution for your moving and storage clients. Inquiries Chase Daniels, Marketing Assistant 615-983-8986 Rob Parrett, VP, Marketing 321-752-6813 Frequently Asked Questions What types of accounts are a good fit for Avant's Moving & Storage Insurance program?This program is ideal for commercial and household movers, warehouse operators, freight haulers, and companies offering packing, crating, or logistics services. Which coverages are available in this program?Available coverages include primary auto liability, cargo, general liability, physical damage, umbrella, workers' comp, occupational accident, and warehouse legal liability. Is this program available in my state?Avant offers this program in most states, including CA, FL, TX, NY, IL, and many more across the U.S. What is the minimum premium for this program?Minimum premiums vary by state, coverage line, and account size. Contact Avant for more specific underwriting guidelines. Can I submit a multi-state account through Avant?Yes, Avant can accommodate multi-state moving and storage risks, depending on the scope and underwriting details of the account. Need help placing an account? Connect with a market specialist.