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Overview — Legends Environmental Services: Environmental Contractors Insurance Legends Environmental Services offers targeted Environmental Contractors Insurance programs designed for brokers placing remediation, abatement, spill response, and other pollution-exposure contractors. Our products are tailored to the unique risks environmental service firms face, helping you place complex accounts with confidence through flexible, non-admitted solutions. Core Programs We provide three focused program options so you can match coverage to the insured’s operations: Remediation Contractors Coverage – For firms performing soil and groundwater cleanup, site restoration, and related remediation work. Asbestos and Lead Abatement Liability – Designed for contractors who remove or remediate asbestos, lead paint, and similar hazardous materials. Monoline Contractors Pollution Liability – Standalone pollution liability for environmental and non-environmental contractors requiring only pollution protection. Optional add-ons include contractor bonds, supplemental auto liability, and contractor equipment liability so you can assemble a complete package that fits a client’s operations and contractual obligations. Ideal Classes of Business: Asbestos & lead abatement contractors Tank and pipe cleaning services Medical and infectious waste handlers Indoor air quality specialists Drilling contractors (UST/AST) PCB cleanup contractors Emergency spill response teams Wetlands restoration and construction Soil and liquid waste remediation firms Hazardous material packing & transport Other specialized environmental trades Coverage Highlights: Flexible liability forms: occurrence and claims-made available depending on the account and carrier. Monoline or package structures to match contractor needs and contractual exposures. Pollution liability tailored to environmental exposures typical of remediation, abatement, and emergency response work. Supplemental options for auto liability, equipment, and contractor bonds to reduce coverage gaps. Underwriting & Minimum Premiums: Programs are placed on a non-admitted basis through a panel of specialty carriers. Minimum premiums begin at $4,000, with final pricing dependent on scope of operations, limits, and loss history. Legends works closely with brokers to evaluate exposures and present competitive options for accounts that are difficult to place in standard markets. Availability: This program is available in most U.S. states, including but not limited to CA, TX, FL, NY, IL, and PA. Legends Environmental Services currently offers coverage in 49 states and Washington, DC. Please confirm availability for a specific client state when submitting. Why Work With Legends Environmental Services? Legends combines niche environmental underwriting expertise with access to multiple specialty markets. As both a general agency and market partner, we streamline placement for environmental contractors—especially accounts with higher hazard profiles or unusual operations. Brokers benefit from experienced intake, pragmatic underwriting, and options to assemble monoline or package placements under one program. Example Accounts That Fit You have a regional remediation contractor who performs groundwater treatment and soil excavation for industrial sites. They need pollution liability plus equipment coverage and contractual liability for owner-mandated limits—this program can assemble those pieces. You represent a small abatement firm that performs asbestos and lead removal for renovation projects. They require abatement liability and supplemental auto coverage; Legends’ abatement product lines are designed for this profile. If you have a contractor client involved in hazardous material handling, spill response, or site remediation and need pollution liability that addresses complex exposures, Legends has the underwriting expertise and market access to help you secure appropriate coverage. To discuss a submission, call 714-955-1560. Frequently Asked Questions What types of accounts are a good fit for this program? We specialize in environmental contractors such as asbestos and lead abatement firms, remediation contractors, emergency response teams, and hazardous waste handlers. Is this program available on an admitted basis? No. Coverage under these programs is written on a non-admitted basis through a variety of specialty carriers. What is the minimum premium for this program? Minimum premiums start at $4,000, though final pricing depends on operations, limits, and loss history. Can I package pollution liability with other coverages? Yes. Legends offers both monoline pollution liability and package options, plus supplemental auto liability and equipment coverage to create broader protection. Which states is this program available in? Coverage is offered in 49 states and Washington, DC. Contact us to confirm specific state availability for your client. 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.

Overview of the Program from RPS Technology & Cyber RPS Technology & Cyber's Military and Government Technology Consultant Insurance (Mili-Tech) is a wholesale-broker program built for agents placing technology firms that perform work on military bases, depots, arsenals, and federal installations. The program packages the coverages these contractors commonly need—liability, professional errors & omissions, workers' compensation and several specialty protections—so you can present a concise, market-ready proposal to clients with military or federal contracts. Ideal Accounts and Appetite This program is intended for technology consultants, developers, programmers, systems integrators and IT services firms that provide technology solutions, software development, cybersecurity, or technical advisory services to military or government customers. Typical fits include: Small-to midsize IT consultancies working on base IT modernization, software deployments, or cybersecurity projects Contract developers and integrators embedded at federal installations or performing managed services for military clients Companies that require specialized coverages such as Defense Base Act exposure or foreign liability when work occurs overseas Generally not a fit: large prime contractors with complex multi-million-dollar programs, heavy-construction firms, or accounts with significant physical construction operations unless the exposure is strictly IT/technology-focused. Coverage Highlights and Advantages Defense Base Act coverage for qualifying overseas or contractor deployments General Liability and Property options tailored to government site work Professional Liability / Errors & Omissions for software, systems design and consulting services Workers' Compensation solutions compatible with government contractor requirements Fidelity coverage (both 1st and 3rd party) to protect against employee dishonesty and theft Employment Practices Liability, Directors & Officers, and Fiduciary Liability for management risks Foreign Liability and Excess/Umbrella limits where higher protection is needed Because RPS aggregates capacity from multiple markets, you can often obtain combined solutions that reduce gaps between professional and general liability, and that align with federal contract clauses and flow-down requirements. Underwriting Notes and Minimum Premiums Underwriting focuses on scope of work, contract terms, security clearances, prior claims history, subcontractor use, and whether the client performs on-site work at secured installations. Important submission items include a detailed description of services, contract copies or scopes of work, revenue by contract/client, prior loss runs, and key personnel resumes for cleared positions. Minimum premium: Varies by carrier and risk. Expect the program to quote on a case-by-case basis—smaller technology consultancies typically qualify for lower entry premiums while accounts with Defense Base Act or foreign liability needs will have different pricing considerations. Territories and Availability Available through RPS Technology & Cyber in the following states and territories: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Admitted status: All available states (availability and specific admitted/non-admitted placements depend on the carrier selected). Why Work with RPS Technology & Cyber on This Business As a wholesale broker, RPS Technology & Cyber offers targeted placement expertise for the military and government technology niche and access to multiple carriers with relevant appetite. Working with RPS can shorten the placement cycle by combining the specialized coverages your clients need into coordinated quotes. You’ll benefit from program-level knowledge of government contract exposures and from underwriting relationships that understand tech and defense-adjacent risks. Example scenarios: You have a client that develops command-and-control software and is contracted to deploy on a military base—Mili-Tech can combine professional liability with property and workers' comp tailored to base access requirements. You represent a small cybersecurity firm performing vulnerability assessments for federal agencies; RPS can assemble EPL, D&O, and fidelity protection alongside professional liability to match contract conditions. Carriers and capacity are various and are chosen per risk. If you have a technology client with military or federal contracts, RPS Technology & Cyber's Mili-Tech program can help you assemble the coverages and markets necessary to place the business. Frequently Asked Questions What types of technology firms are a good fit for the Mili-Tech program?Small-to-mid-sized IT consultants, software developers, systems integrators and cybersecurity firms performing work for military bases or federal installations are the primary target. Firms whose work is predominantly construction or heavy physical infrastructure are generally not a fit. Does the program cover overseas work or Defense Base Act exposures?Yes. The Mili-Tech program can include Defense Base Act and foreign liability coverage when the client’s contract or operations create those exposures. These coverages are handled on a case-by-case basis and may affect pricing and carrier selection. What submission materials should I provide to get a quick and accurate quote?Provide a clear description of services, copies of contracts or scopes of work (including flow-down clauses), revenue by client or contract, prior loss runs, and resumes or bios for key personnel—especially if security clearances are required. Are placements admitted or non-admitted and in which states is the program available?RPS places business with multiple carriers and can offer admitted or non-admitted solutions depending on the carrier and the state. The program is available in the listed states and the District of Columbia; admitted versus non-admitted placement will depend on the specific market selected for each account. 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.

...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.

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.

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.

In an industry filled with unique risks, agents and independent producers nationwide rely on the experience and stability of CoverXSpecialty. Program Overview from CoverXSpecialty: CoverXSpecialty brings decades of focused underwriting and placement experience to the Security Guard Insurance marketplace. Since 1973 our team has specialized in designing and placing coverage for a wide range of security-related businesses. As both a general agency and a carrier operating nationwide, we provide agents and brokers with reliable markets and tailored solutions — especially for accounts that are complex, higher-risk, or harder to place. Eligible Operations: • Armed and unarmed security guard firms • Armed and unarmed private investigative/detective firms • Armored car services • Janitorial services Coverage Highlights and Advantages: The CoverXSpecialty Security Guard program offers a comprehensive package designed around the industry’s common exposures. We help you assemble policies that reflect each client’s operations, staffing model, and contractual obligations. Commercial General Liability Commercial Excess & Umbrella (limits up to $10,000,000) Business Automobile Commercial Property Workers’ Compensation Fidelity Bonds Errors & Omissions coverage available Program flexibility includes large deductible and SIR options. Our full-service claims team has extensive experience handling security-related losses, and loss control services are available to help improve risk profiles and reduce claim frequency. Underwriting Approach and Minimum Premiums: CoverXSpecialty maintains a broad appetite for security industry risks and emphasizes quick, consistent turnaround on submissions. There is no minimum premium requirement, which allows placement of both small and large operations. Each account is reviewed on a case-by-case basis so coverages can be tailored to the client’s specific exposures. Our centralized processing and underwriting teams are set up to move accounts efficiently and to handle both standard accounts and those with more challenging characteristics. Territories and Availability: This Security Guard program is available in all U.S. states and Washington, D.C. Coverage is provided on a non-admitted basis. We work with agents to navigate non-admitted placements and to ensure the policy structure meets the client’s operational needs. Why Work With CoverXSpecialty? Agents choose CoverXSpecialty for deep security-industry knowledge, responsive service, and flexible underwriting. Our team understands the operational, contractual, and liability exposures security firms face and can craft packages that address those needs while remaining marketable. Typical scenarios we frequently place include: A licensed armed guard firm providing overnight protection for retail centers An investigative agency conducting surveillance work for legal clients An armored car service operating multi-state transport routes If you have a client expanding services, moving to multi-state operations, or seeking higher limits and specialized endorsements, CoverXSpecialty can help you find an effective solution and support placement through to policy issuance and claims handling. Frequently Asked Questions What types of accounts are a good fit for this program?This program is designed for armed and unarmed security guard firms, private investigators, armored car services, and janitorial operations that perform security-related duties. Is there a minimum premium required to submit an account?No. There is no minimum premium, so the program can accommodate both small operators and larger firms. What is the turnaround time for quotes?CoverXSpecialty offers fast quote turnaround. Most submissions are reviewed promptly by our centralized processing team. Is the program available in all states?Yes. The Security Guard Insurance program is offered in all U.S. states and Washington, D.C., on a non-admitted basis. Are large deductible or SIR options available?Yes. We offer large deductible and self-insured retention options to support clients with more advanced risk management strategies. Need help placing an account? Connect with a market specialist.

Used Car Dealer Insurance RISC places eligible independent used-car dealers with Zurich’s Unicover VI — an admitted, copyrighted package policy built for the automotive retail industry. Unicover VI combines primary first- and third-party protections into a single, consolidated policy form tailored to dealers whose primary operation is used vehicle sales. RISC’s Used Car Dealer Insurance facility is available only to businesses that principally buy and sell used autos. Product highlights include: Admitted package policy with an integrated structure Multiple coverages available: Auto Inventory Physical Damage Business Auto (Basic Auto) Property with Business Income & Extra Expense Garage Liability Errors & Omissions (E&O) Umbrella Pollution liability Additional optional coverages based on account specifics Policies are offered on a direct-bill basis only Overview — RISC’s Zurich Unicover VI Facility RISC provides agents access to Zurich’s admitted Unicover VI package to place independent used-car dealer risks on a single, dealer-focused policy form. The program is underwritten with dealer exposures in mind — inventory loss, customer autos, garage operations, sales-related E&O, and pollution arising from light service or inspection. Use this facility when you need admitted paper and a consolidated policy that reduces the need to assemble multiple carriers for common dealer coverages. Ideal Accounts and Appetite Primary target: independent used car dealerships where the main business is buying and selling used vehicles. Good fits: single-location dealers with on-site inventory, light inspection and minor repair operations, and standard retail sales activity. Typically not a fit: franchised new-car dealerships, high-volume auction houses, large reconditioning shops with heavy repair exposure, or accounts with frequent major prior losses unless substantial mitigation is documented. Coverage Highlights and Advantages Admitted, package wording that simplifies placement by combining property, inventory physical damage, garage liability, and E&O into one form. Inventory physical damage wording tailored to dealer operations and vehicle holdings. Optional garage liability, sales/service E&O, umbrella follow-form, and pollution coverage linked to common dealer activities. Zurich paper provides recognized capacity and a claims platform for more complex dealer losses. Underwriting Notes and Submission Requirements Principal place of business must be domiciled in one of the eligible states (see Territories below). Required: completed Zurich supplemental application for Unicover VI specific to dealer operations. Required: currently valued loss runs for the prior three years. RISC will consider agency appointments from producers who have an existing book of used auto dealer business and can explain Unicover VI coverage differences compared with other dealer forms. Minimum premium: $1,500. Policies are written on a direct-bill basis only. Territories and Availability This admitted program is available in the following states: AR, MN, MT, NE, ND, OK, OR, SD, TX, UT, WY. Coverage availability and specific terms may vary by state. Why Place This Business Through RISC Access to Zurich’s Unicover VI package for eligible used-car dealers — a specialty product not widely available through standard markets. Dealer-focused underwriting with clear submission requirements, which speeds placement for qualified accounts. Direct-bill handling simplifies premium administration for eligible risks. Example Accounts That Often Fit You might have a single-location independent dealer that holds late-model used inventory, performs light inspections and minor repairs, and needs admitted coverage for inventory physical damage plus garage liability and E&O on one consolidated policy. A growing independent dealer seeking admitted Zurich wording for property, business income, inventory physical damage, and sales-related E&O — willing to provide the supplemental application and three years of loss runs — is another common fit. *This is intended as a general description of certain types of insurance and services available to qualified customers through the companies of Zurich in North America. Your policy is the contract that specifically and fully describes your coverage. The description above gives an overview of coverages and does not revise or amend the policy. Insurance coverages are underwritten by individual member companies of Zurich in North America, including Zurich American Insurance Company. Certain coverages are not available in all states. Some coverages may be written on a non-admitted basis through licensed surplus lines brokers. RISC is not a subsidiary or an affiliate of Zurich. Frequently Asked Questions What types of used car dealers are eligible for this program?The program is designed for dealerships whose primary business is used vehicle sales. Best fits are independent dealers with on-site inventory, limited repair operations, and retail sales activity. Franchised new-car dealers and large reconditioning operations are generally not eligible. What submission materials are required?Submit a completed Zurich supplemental application for Unicover VI and currently valued loss runs for the prior three years. The principal place of business must be located in one of the program’s eligible states. Is the policy admitted or non-admitted?This facility places admitted Unicover VI package policies with Zurich in the program’s available states. Some optional or ancillary coverages may vary by state. How is premium billed and what is the minimum premium?Policies under this facility are offered on a direct-bill basis only. The program’s minimum premium is $1,500. What does RISC look for when appointing an agency to place this business?RISC prefers agencies with an existing book of used auto dealer business and a clear explanation of how Unicover VI differs from other dealer policy forms. Agencies must complete RISC’s appointment profile, agreement, and related documents. Need help placing an account? Connect with a market specialist.