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The National Association of Insurance and Financial Advisor...NAIFA) is the largest professional association dedicated to the protection and...

...onal liability/E&O insurance programs often include: • Competitiv...

Established over 55 years ago, Professional Insurance Associates, Inc. (PIA) has grown into one of the largest privately owned insurance agencies in the United States. Ranked as the 8th largest in California and 39th nationwide in 2016, PIA continues to offer independent insurance agents and brokers a powerful platform to expand their business through its Affiliate Advantage Program. Overview of the Affiliate Advantage Program PIA’s Affiliate Advantage Program is designed specifically for independent agents and brokers who want to access more markets, increase commissions, and maintain full control of their book of business. With access to over 100 markets for both Personal and Commercial lines, affiliates can write a wide variety of business without needing direct carrier appointments or having to meet minimum premium thresholds with each market. Ideal Accounts and Appetite This program is ideal for independent agencies and producers who: Want to grow their book without the burden of managing multiple carrier appointments Are looking to enhance their product offerings across both personal and commercial lines Need access to standard and specialty markets not readily available to them directly Prefer to retain 100% ownership of their policies and broker fees Whether you’re working with small businesses in need of commercial liability coverage or personal lines clients with home, auto, or umbrella needs, PIA’s wide market access makes it easier to find a fit. Coverage Highlights and Program Advantages Access to over 100 Personal and Commercial lines markets Competitive commission structure (up to 85–90% paid to the affiliate) Affiliates retain 100% ownership of their policies 100% of broker fees remain with the affiliate (when applicable) No minimum premium requirements per carrier Direct access to many carriers—no middlemen Profit sharing opportunities based on overall performance Comprehensive affiliate website for account management and quoting Dedicated Commercial Lines experts and support team Full-time Business Development Manager for in-office training and support Additional support includes training in advanced sales techniques, retention strategies, cross-selling, marketing, and organic growth strategies—all tailored to help your agency thrive. Underwriting Notes and Minimum Premiums There are no minimum production requirements with individual carriers, making this program especially attractive for small or growing agencies. While minimum premiums may vary by carrier and product, the flexibility offered through the aggregator model gives affiliates the ability to pursue a wide range of accounts without restrictive thresholds. Territories and Availability The Affiliate Advantage Program is currently available in California, Nevada, and Washington. Additional states may be added in the future, so check back regularly for updates. Why Work With Professional Insurance Associates PIA’s focus on agent success and its strong carrier relationships make it a standout partner for independent agencies. Whether you're a solo producer or an established agency looking to diversify your markets, PIA offers the infrastructure, support, and market access to help you grow—without sacrificing your independence or earnings. Their team-oriented approach ensures that you’re never alone in building your book. To learn more about how the Affiliate Advantage Program can support your agency’s goals, visit our program page or contact our Business Development Manager directly. Frequently Asked Questions What types of accounts are a good fit for the Affiliate Advantage Program?This program is suitable for both personal and commercial lines accounts, including small businesses, homeowners, auto, and specialty risks that require access to a broad range of markets. Do I need to have direct appointments with carriers to use this program?No. PIA provides access to over 100 carriers without requiring direct appointments or minimum production requirements per carrier. Will I retain ownership of the policies I write through PIA?Yes. As an affiliate, you maintain 100% ownership of all policies placed through the program. Is there a cost to join the Affiliate Advantage Program?There are no ongoing monthly fees once a minimum performance goal is met. Contact PIA for more details on start-up requirements. What kind of support will I receive as an affiliate?You’ll have access to a full-time Business Development Manager, commercial lines experts, sales training, marketing support, and a comprehensive affiliate portal. Need help placing an account? Connect with a market specialist.

CalSurance is a proven leader in the business of providing Errors and Omissions and other insurance liability products to firms and individuals in the financial sales sector which would include Investment Advisors. Investment advisors and financial advisors are at risk of being sued for service that they perform. With over 30 years of experience, CalSurance Associates specializes in insurance placement, consultation and servicing for the financial sales sector. The Investment Advisor Insurance Products Include: • Limits up to $5 million (excess limits available if needed) • Coverage for the firm, its advisors and other employees • Comprehensive definition of professional services • products from A rated carriers • Combination policies including professional and fiduciary liability • Options for employment practices liability • Coverage for punitive damages (where allowed by law) • Fidelity bonds • Spousal Coverage For more information on our Investment Advisor Insurance contact us today!

CalSurance offers coverage to Financial Institutions with the strive to help them against the higher frequency of lawsuits and investigative action. This action is being brought on by regulators, creditors, employees, and customers. The cost of the defense on these actions alone can be very great and devastating to a financial institution. Financial Institution Directors and Officers Insurance is designed specifically to protect against actions such as: • Lack of fiduciary oversight • Non-compliance with government regulations • Mismanagement • Employment Practices litigation (such as wrongful termination and harassment) For more information on our Financial Institution Directors and Officers Insurance contact us today!

Errors & Omissions Insurance for Independent RIAs delivers affordable coverage without sacrificing superior protection. Conduct business with peace of mind knowing you have E&O coverage to keep your business protected. RIA Errors & Omissions Insurance Coverage Highlights: Affordable Premiums...starting as low as $1250 Easy Online Application...coverage may be bound instantly for eligible applicants No Limit Sharing…never worry about sharing limits with other firms Multiple Limit Options...choose what is best for you Prior Acts Coverage as a Registered Rep...provides a smooth transition to RIA Top Rated Carrier...coverage you can trust You work hard to protect your clients so why not protect yourself as well? Learn more about RIA E&O Insurance and apply today at www.calsurance.com/ria.

Lawyers Professional Liability Insurance is designed to protect firms against loss from acts, errors and omissions for which they may be help legally liable for the failure to render the appropriate legal professional services. CalSurance can assist firm that focus on: • Intellectual Property • Class Action • Securities • Plaintiff • Real Estate • Toxic Tort • Difficult to Insure/Claims or Disciplinary matters Products that we can place for Lawyers Professional Liability Insurance include: • Lawyers Professional Liability • Director & Officers Liability • Employment Practices Liability • Fiduciary Liability • Miscellaneous Professional Liability For more information on our Lawyers Professional Liability Insurance contact us today!

Ck Specialty Insurance Associates, Inc. offers comprehensive solutions for a wide range of garage-related risks, from small auto repair shops to antique car restoration businesses. Overview of the Dealers and Non-Dealers Garage Insurance Program As a general agency and excess & surplus lines broker, Ck Specialty Insurance Associates, Inc. provides agents access to a robust Garage Insurance Program tailored to both dealers and non-dealers. Whether your clients operate in light auto repair or work with heavy trucks, this program is designed to cover a wide variety of exposures in the automotive services and sales sector. Ideal Accounts and Appetite This program targets a broad range of businesses involved in vehicle sales, repair, and related services. Common classes include: Wholesale Auto Dealers & Brokers Heavy Truck Dealers & Repair Shops Antique and Classic Car Sales and Restoration Motorcycle, RV, and Golf Cart Dealers Auto Body and Paint Shops Mobile Repair Services and Roadside Assistance Providers Valet Services, Parking Garages, and Impound Yards Franchised and Non-Franchised Used Auto Dealers Car Washes, Auto Detailers, and Vinyl Wrapping Installers Whether your client is an established new car dealer or a startup mobile repair technician, Ck Specialty can help place the right coverage. Coverage Highlights and Advantages The program offers a wide array of coverages to ensure your clients are protected against both common and unique exposures, including: Property Coverage Garage Liability Garage Keepers Legal Liability Dealers Open Lot Hired and Non-Owned Auto Errors & Omissions – Dealers, Odometer & Title Directors & Officers (D&O) Employment Practices Liability Insurance (EPLI) Umbrella/Excess Liability Broadened Coverage Options Special Events Coverage Service Vehicle Liability and Physical Damage This flexible offering allows agents to tailor coverage to the specific needs of each client, whether they operate on-site, offer mobile services, or host public events. Underwriting Notes and Minimum Premiums The program is written on a non-admitted basis through AM Best “A” rated carriers, offering flexibility in underwriting and coverage design. Minimum premiums start at $750, making this an accessible solution for a wide range of garage operations. Territories and Availability This program is currently available in Arizona, California, and Colorado. If you’re working with clients in these states, Ck Specialty can help you place coverage with strong market access and underwriting support. Why Work With Ck Specialty Insurance Associates, Inc.? Ck Specialty brings deep expertise and a flexible approach to garage-related risks. As a general agency and E&S broker, they have access to top-rated carriers and understand the nuances of the automotive service and sales industry. Their team is committed to responsive service and helping agents find the right market for hard-to-place or niche accounts. You might have a client restoring antique vehicles in a small shop or a dealer specializing in heavy trucks and towing services. Ck Specialty has the tools and markets to help you secure the right protection for these unique exposures. Contact Ck Specialty today to learn more about placing your garage accounts. Frequently Asked Questions What types of accounts are a good fit for this program?The program is ideal for auto dealers (both franchised and non-franchised), repair shops, mobile mechanics, antique car restorers, RV and motorcycle dealers, and other vehicle-related businesses. What states is this program available in?This program is currently available in Arizona, California, and Colorado. Is this program written on an admitted or non-admitted basis?The program is written on a non-admitted basis through AM Best “A” rated carriers. What is the minimum premium for this program?Minimum premiums start at $750, depending on the specific risk and underwriting details. Can this program cover mobile or off-site operations?Yes, the program can accommodate mobile repair services, roadside assistance, and certain off-site exposures, subject to underwriting approval. Need help placing an account? Connect with a market specialist.

...igned Exclusively for Community Associations With over 42,000 community associations served, Ian H. Graham (IHG), thro...ial Umbrella over an IHG Community Association D&O policy, your client rec...