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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.

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.

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

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.

Your Workers Compensation Solution for Restaurants Utah Business Insurance Company (UBIC) offers a competitive, A-rated Workers Compensation program tailored for restaurants. As a direct carrier with deep hospitality experience, UBIC understands restaurant-specific exposures—slips, cuts, strains, and kitchen hazards—and provides underwriting and service designed to help agents place and retain this business. The program is available in multiple admitted territories, including key hospitality markets such as Arizona, Idaho, Nevada, and Utah. Ideal Accounts and Appetite This program is best for small to mid-sized restaurants: quick-service, cafes, bistros, family-style diners, and similar operations. UBIC will consider new ventures, accounts with prior lapses, and businesses transitioning out of Professional Employer Organizations (PEOs). The program does not accept restaurants with 24-hour operations. Coverage Highlights and Advantages Admitted coverage in all available states for smoother placement and compliance A-rated carriers backing the program: Companion Property and Casualty, Companion Commercial Insurance, and Utah Business Insurance Co. Guaranteed-cost Workers Compensation offering premium predictability and simpler budgeting Monthly self-reporting payroll options to help insureds manage cash flow Underwriting experienced in hospitality exposures and risk-control guidance tailored to restaurants Underwriting Notes and Minimum Premiums Minimum premiums typically start at $1,000 Experience modification (mod) must be 1.5 or less New ventures and accounts with prior lapses are acceptable Accounts exiting PEO arrangements are considered 24-hour operations and high-risk specialty concepts are not eligible Example fits: You might have a client opening a small quick-service sandwich shop in Nevada with no prior coverage, or an owner-operated bistro in Utah exiting a PEO — both scenarios that can often be placed through this program. Territories and Availability This program is available in the following admitted states: Arizona (AZ), Arkansas (AR), Colorado (CO), Idaho (ID), Illinois (IL), Missouri (MO), Nevada (NV), New Mexico (NM), Oklahoma (OK), Oregon (OR), Tennessee (TN), Texas (TX), and Utah (UT). Why Work With UBIC? UBIC brings carrier-level underwriting focused on small business and hospitality. Agents benefit from competitive admitted capacity, responsive underwriting for restaurant exposures, flexible payroll reporting options, and a streamlined placement process. The program’s guaranteed-cost structure simplifies renewal conversations and helps insureds manage premium volatility. Frequently Asked Questions What types of restaurant accounts are eligible for this program?The program targets small to mid-sized restaurants—quick-service, cafés, bistros, and family-style operations—including new ventures, accounts with prior lapses, and those exiting PEOs. Restaurants that operate 24 hours are not eligible. What states is the program available in?The program is offered on an admitted basis in AZ, AR, CO, ID, IL, MO, NV, NM, OK, OR, TN, TX, and UT. What are the minimum underwriting requirements?Underwriting generally requires an experience modification of 1.5 or less. The program accepts new ventures and accounts with lapses, and minimum premium levels typically begin around $1,000. Is this a guaranteed cost program?Yes. This is a guaranteed-cost Workers Compensation program, which provides stable, predictable premiums rather than retrospective adjustments. Are there flexible reporting options?Yes. Monthly self-reporting is available to help insureds manage payroll reporting and cash flow. Need help placing an account? Connect with a market specialist.

J.M. Wilson Artisan Contractors Insurance Program J.M. Wilson Corp. provides independent agents and brokers access to A-rated markets for Artisan Contractors Insurance across a wide range of trade classes — including new ventures and startup contractors. Whether your client is a one-person handyman or a small residential contractor crew, this program helps address common on-site liability and property exposures with tailored general liability and property solutions. As a Managing General Agency and Excess & Surplus Lines Broker, J.M. Wilson places business with both admitted and non-admitted carriers. That market flexibility makes it easier to place harder-to-place risks or accounts that don’t meet standard market guidelines. Phone quotes are available for fast turnaround when you need one. Sample Classes for Artisan Contractors Insurance Air Conditioning – Sales, Service & Installation Carpentry Concrete Construction Door, Window or Assembled Millwork Installation Drywall or Wallboard Installation Electrical Work – Within Buildings Fence Erection, Floor Covering Installation General Contractors (Residential Focus) Glass Dealers and Glaziers Handyman Services Landscape Gardening Masonry, Painting (Interior and Exterior – No Spray) Plumbing – Residential Roofing – Residential Tile, Stone, Marble (Interior) Welders And many more... Coverage Highlights Property Coverage for owned locations and business property Inland Marine for tools, equipment and contractor's stock Umbrella – limits available up to $5,000,000 Premises/Operations and Products/Completed Operations liability $5,000 Premises Medical Payments Personal Injury coverage $100,000 Fire Damage Liability Optional Coverage Damage to Property of Others — available up to specified limits Typical option example: $5,000 per occurrence / $25,000 aggregate Underwriting Notes and Premiums Minimum premiums vary by class, payroll, sales and the scope of the contractor’s operations. J.M. Wilson leverages both admitted and non-admitted markets to match the right carrier to the risk, including new ventures, seasonal operations, and accounts that need flexibility beyond standard programs. Provide details on operations, employee count, annual receipts, and any subcontractor usage for the quickest and most accurate response. Territories Served This Artisan Contractors program is available to agents and brokers in the following states: AL, AR, FL, GA, IL, IN, IA, KS, KY, MI, MS, MO, NE, NC, OH, OK, PA, SC, TN, VA, WV, WI. Why Work with J.M. Wilson? With decades of experience in E&S and admitted markets, J.M. Wilson offers broad market access and responsive underwriting for contractor exposures. Their team understands the common perils artisan firms face — from jobsite liability and property damage to tools-in-transit and completed operations — and will work with you to craft practical, market-appropriate solutions. You might have a client who is launching a residential HVAC installation business with modest payroll and significant tools and equipment — J.M. Wilson can help place that new venture. Or you may represent a small general contractor focused on home renovations who needs products/completed operations limits and inland marine for contractor tools; this program can provide those coverages on admitted or non-admitted paper as appropriate. For more details, agent submission requirements, or to request a phone quote, visit our website, www.jmwilson.com, or submit your request through the CompleteMarkets quote link on this storefront. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for residential and light commercial artisan contractors, including carpenters, electricians, plumbers, painters, handymen, and other specialty trades—even new ventures. Can new businesses or startup contractors be considered?Yes, J.M. Wilson has markets available for new ventures and startup contractors that may not qualify for standard programs. Are both admitted and non-admitted markets available?Yes, J.M. Wilson works with a variety of admitted and non-admitted carriers to provide flexible solutions based on your client's risk profile and location. Which states is this program available in?This program is available in 22 states, including AL, FL, GA, IL, MI, NC, OH, PA, TN, VA, and others across the Midwest and Southeast. What is the minimum premium for this program?Minimum premiums vary depending on the class and scope of operations. Contact J.M. Wilson for a customized quote based on your client’s risk. Need help placing an account? Connect with a market specialist.

Advanced E&S Group - Southeast Region’s Bar & Tavern Insurance Program helps agents place hospitality accounts with elevated liquor and premises exposures. Built for taverns, pubs, sports bars and similar drinking establishments where alcohol is a meaningful portion of revenue, this program pairs flexible coverage forms with market access through multiple non-admitted carriers to help you place accounts that may not fit admitted markets. Ideal Accounts and Appetite This program is a strong fit for: Neighborhood taverns and local bars Sports bars and pubs with roughly 50%–70% liquor sales Venues offering light, controlled entertainment (up to three nights per week) Common exceptions and classes generally not eligible: Adult entertainment venues Bottle clubs, large nightclubs, and private clubs Pool halls, billiard parlors, and other high-risk specialty venues If you represent casual drinking establishments with documented alcohol-service procedures, trained staff, and limited high-risk entertainment, this program is likely to be a good match. Coverage Highlights and Advantages The Bar & Tavern Insurance Program offers broad, hospitality-focused coverage options tailored for agents placing bar and tavern risks: Property coverage in basic, broad, or special form (building, contents) Liquor Liability — primary coverage for alcohol-related exposures Business income, equipment breakdown, food spoilage, computer equipment, outside signs and crime General Liability with options rated by seating capacity or revenues — available enhancements include assault & battery and garagekeepers where appropriate The program structure allows you to assemble tailored packages that address the common loss drivers for bars and taverns: liquor liability claims, premises liability, equipment failure and spoilage losses. Underwriting Notes and Minimum Premiums This program is placed on a non-admitted basis through various carriers. Underwriting focuses on clean, well-managed operations: documented alcohol-service policies, employee training (server/server-bartender training), security procedures, occupancy and entertainment controls, and claims history. Minimum premiums vary by state, carrier and account profile. Expect underwriting to consider location, seating capacity, alcohol sales percentage, entertainment schedule, and loss control measures when determining terms. Territories and Availability The Bar & Tavern Insurance Program is available in most U.S. jurisdictions, including: AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY and DC. State availability and specific terms may vary by carrier. Why Work With Advanced E&S Group - Southeast Region? As a Managing General Agency, Advanced E&S Group provides agents with direct access to non-admitted capacity and underwriters experienced in hospitality risks. The MGA model supports faster responses, flexible forms, and placement options for accounts that struggle to fit admitted markets. You’ll benefit from multiple carrier relationships and an emphasis on pragmatic underwriting for bars and taverns. Example scenarios: You have a neighborhood sports bar with 60% liquor sales, 150 seats, and live trivia twice weekly — the program can combine liquor liability, GL and property with business income and equipment breakdown to create a tailored package. You represent a small pub with high-value kitchen equipment and frequent catering events — the program’s property and equipment breakdown options plus crime and food spoilage coverage help address those exposures. Frequently Asked Questions What types of accounts are a good fit for this program?Bars, taverns, pubs and sports bars with roughly 50%–70% liquor sales and limited entertainment (no more than three nights per week) are ideal candidates. Are nightclubs or adult entertainment venues eligible?No. This program excludes adult entertainment, bottle clubs, nightclubs, private clubs, and similar high-risk venues. What coverages are included?Available coverages include liquor liability, property (basic, broad or special forms), general liability (with assault & battery options), business income, equipment breakdown, food spoilage, crime and more. Is this an admitted or non-admitted program?This program is written on a non-admitted basis through various carriers. In which states is the program available?The program is available in most states, including the Southeast Region and many others. Specific availability and terms vary by state and carrier. Need help placing an account? Connect with a market specialist.

Sloan Mason Insurance Services, Inc. is pleased to offer access to a specialized insurance program backed by an 'A'-rated carrier, designed specifically for the unique risks of Bulk Liquid Storage Terminals – Operators, Suppliers, and Contractors. This program delivers a comprehensive, multi-line approach to risk management for businesses engaged in the storage, handling, manufacture, maintenance, and servicing of bulk liquid storage systems. Ideal Accounts and Appetite This program is built for companies across the bulk liquid storage supply chain, including: Terminal operators handling crude oil, refined products, and industrial chemicals Tank manufacturers (welded stainless and carbon steel tanks, bins, silos) Contractors performing tank lifting, foundations, relocation, and field erection Suppliers of tank-cleaning systems, industrial hose, gaskets, seals, and fire-safety products Firms providing pipeline inspection, pig tracking, degassing, and related services Manufacturers and installers of anti-corrosion coatings, cathodic protection, and geodisc domes Whether your client is an operator running a multi-tank terminal, a contractor relocating petroleum tanks, or a supplier of marine loading transfer systems, this program is structured to support the industry’s operational and environmental exposures. Coverage Highlights and Advantages Sloan Mason Insurance offers flexible, packageable solutions to address the core exposures for this sector, including: Workers' Compensation and Employers Liability Commercial Auto Liability and Physical Damage Commercial General Liability Pollution Liability — essential for environmental and third-party contamination risks Umbrella Liability to extend limits across primary lines This integrated, multi-line approach helps agents deliver a seamless solution for complex operational and environmental risks while centralizing placement and claims coordination. Underwriting Notes and Minimum Premiums To provide a timely and accurate quote, underwriters typically require: Five years of payroll history Five years of currently valued, carrier-issued loss runs (valued within 90 days of the requested effective date) Completed ACORD applications and the Pollution Supplemental form Minimum premium thresholds generally include: $15,000 for General Liability $10,000 for Commercial Auto $15,000 for Workers' Compensation $5,000 for Pollution Liability $10,000 for Umbrella Liability You can download the program application materials via our Bulk Liquid Storage Terminals - Operators, Suppliers and Contractors Data Sheet. Territories and Availability This program is available in most U.S. states, including 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. Availability will be quoted on an admitted or non-admitted basis depending on the state and the account’s risk profile. Why Work With Sloan Mason Insurance Services, Inc.? As a wholesale broker, Sloan Mason Insurance brings deep technical underwriting knowledge and direct access to specialized markets that understand the exposures unique to bulk liquid storage operations. We partner with agents to structure competitive, multi-line programs that align coverage, limits, and pricing with each client’s operational profile. Key strengths: Niche market relationships for pollution and commercial liability placements Experience packaging primary and excess lines for complex tank operations Dedicated underwriting intake that minimizes placement friction and speeds response time Example scenarios where this program is a strong fit: You have a regional terminal operator with multiple above-ground tanks and marine loading racks that needs combined GL, pollution, and umbrella limits. A tank manufacturer or erector performing field assembly and relocation work that requires on-site general liability, contractor exposures, and pollution coverage for residual product. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for terminal operators, tank manufacturers, contractors, and suppliers involved in bulk liquid storage, handling, and related services. What coverages are included in the program?Typical coverages include General Liability, Workers' Compensation, Commercial Auto, Pollution Liability, and Umbrella Liability. Additional specialty coverages may be available depending on the account. What documentation is required for underwriting review?Provide five years of payroll history, five years of currently valued loss runs, and completed ACORD and pollution supplemental applications to begin placement. Is this program available in my state?The program is available in most U.S. states. Availability and whether an admitted or non-admitted market is used will depend on the state and the risk. Contact Sloan Mason to confirm for a specific location. Are the carrier markets admitted or non-admitted?Sloan Mason places with a mix of admitted and non-admitted carriers depending on the state and account. We will identify the appropriate market when quoting. Need help placing an account? Connect with a market specialist.

For more than 15 years, Insurance Program Managers Group (IPMG) has served as a trusted wholesale broker for agents and brokers placing Workers Compensation Insurance. With deep underwriting experience across a wide range of industries and access to multiple A-rated carriers (admitted and non-admitted as available), IPMG helps you secure competitive, tailored coverage for clients with routine and more challenging exposures. Ideal Accounts and Target Industries IPMG has the underwriting expertise and market access to handle a broad spectrum of Workers Compensation classes. Our appetite includes, but is not limited to: Contractors and construction-related businesses Healthcare providers and facilities Manufacturing operations Auto dealerships and service centers Trucking and transportation firms We routinely consider accounts with elevated experience modification factors, complex loss histories, and other loss-challenged characteristics that can be difficult to place in standard markets. Example: You might have a client operating a regional trucking company with a 1.45 mod and prior losses—IPMG can compile submissions to multiple carriers and help you explore competitive placement options while addressing underwriting questions up front. Program Highlights and Value-Added Services Access to multiple A-rated carriers (admitted and non-admitted where available) Minimum premiums starting around $500, with capacity for accounts sized to $1M+ Same-day quoting available on many classes when you supply a complete submission Wide range of eligible class codes and flexible underwriting for complex risks Markets that will consider high-mod and otherwise challenging accounts Monthly reporting and other policy servicing options Competitive commissions for agents Additional risk management services available to help control losses and improve safety Submission Requirements To help us deliver fast, accurate indications and bindable quotes, include the following with your submission: Completed ACORD application with a clear description of operations 3–5 years of currently valued loss runs Current experience modification rating (if applicable) Providing clear payroll breakdowns and a summary of any loss control efforts or return-to-work programs will improve placement results. Territories and Availability IPMG offers Workers Compensation solutions in most U.S. states. We are actively writing business in over 45 states and Washington, DC, including: AK, AL, AR, AZ, CA, CO, CT, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, MI, MN, MO, MS, MT, NC, NE, NH, NJ, NM, NV, NY, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WI, WV, DC. Carrier availability and program structure may vary by state. Why Partner With IPMG? IPMG focuses on getting difficult and standard Workers Compensation accounts placed quickly and competitively. Our team provides responsive underwriting, broad broker relationships, and workflow support so you can win new business and retain clients. We combine market access with practical risk management resources to help control cost and improve renewal outcomes. Frequently Asked Questions What types of accounts are a good fit for IPMG's Workers Compensation program?We write a wide range of classes, including contractors, healthcare providers, manufacturers, dealerships, and trucking companies. We also consider higher-mod or loss-challenged risks that standard markets may decline. What is the minimum premium for this program?Premiums generally start around $500 and scale based on class, payroll and exposure. We handle accounts from small businesses up to $1M+ premium size. How quickly can I get a quote?Same-day quotes are available for many classes when you submit a complete package: ACORD application, current loss runs, and experience mod (if applicable). Which states are eligible for this program?IPMG is active in most states, including CA, TX, FL, NY and many others—carrier options and program structure vary by state. Does IPMG offer risk management support?Yes. We can connect you and your clients with additional risk management services designed to improve workplace safety and control claims cost. Need help placing an account? Connect with a market specialist.

For nearly two decades, U.S. Risk Insurance Group, Inc. has served agents and brokers as a leading excess & surplus lines broker for staffing insurance through its focused StaffPak program. Built specifically for the exposures common to staffing, PEOs, and contract placement businesses, StaffPak provides tailored underwriting, a broad suite of coverages, and access to specialty markets for complex or multistate placements. Ideal Accounts and Appetite The StaffPak program is designed for a wide range of staffing-related operations, including: Professional Employer Organizations (PEOs) — package or stand-alone Workers’ Compensation Temporary and contingent staffing firms Vendor Management Services (VMS) Contract placement agencies StaffPak is especially useful when a client places employees across multiple industries or states and needs flexible, coordinated solutions for liability, employment practices, and professional exposures. Preferred accounts typically have clear placement controls, documented risk management procedures, and reasonable loss histories. The program will consider small-to-mid-sized operations as well as larger staffing firms that require customized terms. Coverage Highlights and Advantages StaffPak offers a broad set of coverages to address the layered exposures staffing firms face: Workers’ Compensation Employment Practices Liability Insurance (EPLI) General Liability Directors & Officers (D&O) Excess Liability Staffing Services Errors & Omissions (E&O) Medical E&O Crime Property Auto Liability Fiduciary Liability You can package key lines to create a coordinated program that reduces coverage gaps for clients that operate in multiple states or place workers in varied exposures such as healthcare, light industrial, professional services, and clerical roles. Underwriting Notes and Minimum Premiums Most markets used in StaffPak are non-admitted, which gives U.S. Risk flexibility to tailor terms and broaden capacity for harder-to-place risks. Minimum premiums and specific guidelines vary by carrier and coverage line. To expedite review, include a completed application, recent loss runs, payroll/placement details, and a summary of any formal risk management practices when you submit. Typical appetite notes: Prefer accounts with documented screening, placement controls, and return-to-work programs. Will consider multistate risks and clients with mixed industry placements. Limited capacity for accounts with significant unresolved loss activity or minimal controls. Example scenarios that fit StaffPak: A regional PEO that co-employs clients’ staff across several states and needs a combined WC/EPLI/D&O program. A temporary staffing firm that places healthcare and light-industrial workers and requires staffing E&O plus medical E&O and excess limits. Territories and Availability StaffPak is available in most U.S. states. U.S. Risk writes in all states except those with significant regulatory hurdles and will consider risks in the following jurisdictions: 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. Why Work With U.S. Risk on Staffing Insurance As an experienced excess & surplus lines broker, U.S. Risk places StaffPak business with specialty carriers including Certain Underwriters at Lloyd’s, Arch, and Chartis. The StaffPak underwriting team brings nearly 20 years of focused experience in the staffing sector, providing agents with market access, targeted coverage language, and practical placement solutions that generalist programs may not offer. Whether you’re submitting a start-up temp agency, a multi-state PEO, or a specialized contract placement firm, U.S. Risk’s StaffPak program offers the markets and underwriting expertise to help you build a competitive, well-coordinated insurance package for your client. Need help placing an account? Connect with a market specialist. Frequently Asked Questions What types of accounts are a good fit for the StaffPak program?The program targets PEOs, temporary staffing firms, contract placement agencies, and vendor management services. It’s best for operations with multiple placements, multistate activity, or evolving liability exposures that need coordinated coverage. What coverages are included in the staffing insurance program?StaffPak provides a broad suite of coverages including Workers’ Compensation, General Liability, EPLI, D&O, Crime, Property, Auto Liability, and both Staffing and Medical E&O, plus excess options to increase limits. Is the program available in all states?StaffPak is available in most U.S. states. U.S. Risk writes in nearly all 50 states, including CA, TX, FL, NY, and IL, with limited exceptions based on regulatory restrictions. Do you require a minimum premium?Minimum premiums vary by coverage line and account size. Contact U.S. Risk for underwriting guidelines and minimums specific to your submission. What carriers back the StaffPak program?U.S. Risk places StaffPak business through specialty markets such as Certain Underwriters at Lloyd’s, Arch, and Chartis to provide financial strength and flexible terms.