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Antiques and Collectibles Program from Continental Risk / Continental Marine Insurance Services Continental Risk / Continental Marine Insurance Services offers a specialized Antiques and Collectibles Program designed to help agents and brokers place hard-to-insure risks in the antiques and collectibles market. Whether your client is a private collector or a commercial dealer, this program provides access to tailored coverages that address the unique exposures of this niche industry. Ideal Accounts and Target Classes This program is well-suited for a wide variety of insureds in the antiques and collectibles space, including: Private collectors of antiques and collectibles Antique dealers and shop owners Antique mall operators Estate sale professionals Antique show promoters and event organizers Collector's clubs and enthusiast organizations Antique auction houses Dealers of other acceptable collectible items You might have a client who runs an antique store with valuable vintage items or a high-net-worth individual with a personal collection of rare coins or art—both are good fits for this program. Coverage Highlights and Advantages The program offers flexible coverage options that address both property and liability exposures common in the antiques and collectibles market: Inland Marine and Business Personal Property – Ideal for mobile inventory and high-value items. Commercial Real Property – Protection for buildings and infrastructure. Commercial General Liability – Coverage for premises liability and operations. Limits available include: Up to USD $2,000,000 each and every loss, each and every risk USD $850,000 per location USD $2,000,000 General Liability per occurrence / aggregate Additional options include a minimum deductible as low as USD $250, making it accessible for a range of small to mid-sized accounts. Claims are handled by adjusters with expertise in antiques and collectibles, ensuring accurate and fair valuations. Underwriting Notes All policies are placed on a non-admitted basis through trusted carrier partners. While underwriting is flexible, risks must fall within acceptable collectible classifications. Agents should be prepared to provide detailed inventory lists or appraisals when applicable. There is no stated minimum premium, allowing for competitive placement across various account sizes. Territory and Availability This program is available in all 50 states and the District of Columbia, providing nationwide access for your clientele. Whether your client is located in a rural antique district or an urban cultural center, Continental Risk / Continental Marine Insurance Services is equipped to help you place coverage effectively. Why Work With Continental Risk / Continental Marine Insurance Services? As a wholesale broker specializing in niche markets, Continental Risk / Continental Marine Insurance Services brings deep understanding and tailored solutions to the antiques and collectibles industry. Their access to non-admitted markets and class-specific claims expertise make them a valuable resource for agents and brokers looking to serve collectors, dealers, and specialty businesses with unique property exposures. When you need a partner who understands the value—both monetary and sentimental—of antiques and collectibles, turn to Continental Risk / Continental Marine Insurance Services. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for antique dealers, private collectors, estate sale professionals, antique malls, auction houses, and similar businesses involved in selling or showcasing antiques and collectibles. Is this program available nationwide?Yes, the Antiques and Collectibles Program is available in all 50 states and the District of Columbia. What coverages are included in the program?Coverage options include Inland Marine, Business Personal Property, Commercial Real Property, and Commercial General Liability. Are there any minimum premium requirements?There is no stated minimum premium, making it suitable for small to mid-sized risks. Deductibles start as low as USD $250. Is this an admitted program?No, all policies are written on a non-admitted basis through select carrier partners. Need help placing an account? Connect with a market specialist.

Victor O. Schinnerer & Company, Inc. offers a claims-made Real Estate Errors & Omissions (E&O) program designed for a broad range of real estate professionals. The program is underwritten through CNA and is administered by Schinnerer as a Managing General Underwriter. Coverage can be tailored to individual firm operations and risk profiles, and Schinnerer's Real Estate E&O program is the exclusive E&O insurance partner for the NATIONAL ASSOCIATION OF REALTORS® (mortgage brokers excluded). Overview of the Program This Real Estate E&O program provides professional liability protection for errors, omissions and negligent acts arising from real estate services. The policy is written on a claims-made basis and is intended for agents, brokers and related professionals whose exposures arise from residential, commercial and transactional real estate activities. Limits and deductibles are flexible to match different firm sizes and exposures. Ideal Accounts and Appetite Residential real estate agents and small-to-mid sized brokerages Commercial real estate professionals and leasing agents Independent and certified appraisers Auctioneers and transactional specialists Property managers and firms providing leasing or tenant-placement services Mortgage brokers (note: excluded from the NAR partnership) Schinnerer typically looks for traditional real estate operations with documented procedures, reasonable transaction volume for the firm size, and standard commission and contract practices. Excessive specialty exposures (large construction escrow handling, major development projects, or high-volume mortgage lending) may require supplemental underwriting or alternative markets. Coverage Highlights and Advantages Claims-made E&O wording tailored to real estate operations Flexible limits up to $5 million Deductibles starting at $1,000 and premium options that begin at $500 Program underwriting through CNA—strength and claims handling experience Customizable endorsements to address common real estate exposures (e.g., transactional errors, failure to disclose, misrepresentation) Schinnerer’s direct relationship with the NATIONAL ASSOCIATION OF REALTORS® supports placement for REALTOR® members (mortgage brokers are excluded from that affiliation) Underwriting Notes and Minimums Policies are underwritten on a firm-by-firm basis. Important submission elements include current application, loss runs (typically last 5 years), copies of standard listing and purchase agreements, and a description of risk management procedures. Because this is a claims-made program, pay attention to retroactive dates and prior acts coverage when negotiating placement. Premiums, deductibles and limits are flexible; the program lists premiums starting at $500, deductibles starting at $1,000, and limits up to $5,000,000. Larger or more complex accounts may require excess placement or individualized underwriting and pricing. Territories and Availability Available through Victor O. Schinnerer & Company, Inc. as a Managing General Underwriter and placed with CNA. 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. The program can be written on admitted or non-admitted paper where applicable; confirm state-specific filing and availability. Why Work With Victor O. Schinnerer on This Business Schinnerer brings program underwriting expertise specific to real estate E&O and direct access to a carrier with national capacity (CNA). The program supports REALTOR® members through Schinnerer’s exclusive relationship with the NATIONAL ASSOCIATION OF REALTORS® (mortgage brokers excluded), which can simplify placement for those firms. Flexible limits and endorsements make this program a good fit for a range of firm sizes, from single-agent practices to larger brokerages and property management firms. Schinnerer provides underwriting guidance and risk management considerations that help you present accounts effectively and secure competitive terms. Example Account Scenarios You have a six-agent residential brokerage seeking primary E&O limits of $1 million with a low deductible and professional liability wording that includes transactional endorsements—this program can provide tailored pricing and coverage. A regional property management firm that handles leasing and tenant placement wants higher limits and customized endorsements for management errors—Schinnerer can evaluate and structure appropriate limits and wording, with excess placement if needed. Frequently Asked Questions What types of real estate professionals are a good fit for this program?The program suits real estate agents, brokers, appraisers, auctioneers, leasing agents, property managers and many commercial real estate professionals. Appetite is best for firms with standard transactional operations rather than unusual or highly specialized exposures. Is this coverage claims-made and what should I watch for?Yes — the policy is claims-made. Verify the retroactive date, any prior-acts coverage, and whether tail or extended reporting period options are available when binding or renewing a policy. What limits, deductibles and premium levels are available?The program offers limits up to $5 million, deductibles starting at $1,000, and premium entry points shown starting at $500. Actual pricing depends on firm size, operations, loss history and requested endorsements. Which states is this program available in?Victor O. Schinnerer’s Real Estate E&O program is available in the states listed in the storefront (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). Confirm state-specific availability and filings when submitting. What submission materials does Schinnerer typically require?Provide a current application, recent loss runs, representative contracts (listing/purchase/management agreements), and a summary of firm operations including transaction volume and risk management practices. These materials help expedite underwriting and obtain competitive terms. Need help placing an account? Connect with a market specialist.

Intercorp, Inc. is a trusted program administrator and wholesale insurance brokerage, offering innovative solutions in two key casualty lines: professional liability and environmental liability. With decades of experience and a commitment to outstanding customer service, we provide agents and brokers with the tools they need to place coverage confidently and efficiently. Overview of Our Program At Intercorp, we believe in building strong relationships with our partners. Our approach blends creativity with deep market expertise to develop customized insurance solutions for a wide range of professional and environmental exposures. We are not just a phone call or email away—we value face-to-face communication and are always ready to collaborate directly to help you meet your client’s needs. Ideal Accounts and Appetite We specialize in professional and environmental liability placements for a wide variety of classes. Our programs are designed to serve both traditional and niche markets. Targeted Professional Liability Classes: • Engineers and Architects • Consultants • Lawyers • Accountants • Insurance Brokers & Agents • Technology Firms • Privacy & Data Breach Liability Risks Real Estate-Related Professional Classes: • Home Inspectors • Appraisal Management Companies • Property Managers • Appraisers • Title Agents • Real Estate Brokers/Agents • Auctioneers Environmental Liability Classes: • Underground and Above-Ground Storage Tanks • Environmental and General Contractors • Site Pollution Risks • Dry Cleaners • Agricultural Environmental Risks We also offer flexible packaging, such as combining pollution, professional, and general liability into one policy with a single carrier—streamlining coverage for your insureds. Coverage Highlights and Advantages Broad access to various carriers and markets Ability to package multiple coverages under one policy Customized solutions for hard-to-place or niche risks Responsive service with a personal touch Programs available in all 50 states and D.C. Example: You may be working with a property manager who also performs environmental remediation work. Through Intercorp, you can structure a combined policy that includes both professional liability and site pollution coverage—streamlining protection and compliance. Underwriting Notes and Minimum Premiums Minimum premiums vary depending on the class of business, limits requested, and coverage structure. We take the time to understand the nuances of your client’s operation so we can deliver the right coverage at competitive terms. Submissions are evaluated quickly and with attention to detail to avoid unnecessary delays or misquotes. Territories and Availability Our programs are available nationwide, including all 50 states and Washington, D.C. Whether your client is based in California, Texas, New York, or anywhere in between, we can help you find the right solution. Why Work With Intercorp? We are more than a program administrator—we are your strategic partner. Our deep understanding of professional and environmental liability exposures, paired with our dedication to service and innovation, ensures that you and your clients receive superior support from submission to policy issuance and beyond. Let Intercorp help you deliver smart, customized insurance solutions. Contact us today to learn more about our programs and how we can make placing business easier for you. Frequently Asked Questions What types of accounts are a good fit for Intercorp’s programs?We are best suited for professional service firms (engineers, lawyers, consultants), real estate professionals (appraisers, managers, title agents), and environmental risks such as contractors and site pollution exposures. Can you combine multiple coverages into one policy?Yes, we offer the ability to package pollution, professional, and general liability coverages into one policy with a single carrier, making it easier to manage and more efficient for your client. Are your programs available in all states?Yes, our programs are available in all 50 states and Washington, D.C., offering nationwide access for your clients. What is the minimum premium for your programs?Minimum premiums vary based on coverage limits and class of business. Contact us with your client's details for a tailored quote. Which carriers do you work with?We work with a variety of carriers to match the right market to your client’s specific risk profile. Need help placing an account? Connect with a market specialist.

Miscellaneous Business Services Program from First Choice Insurance Intermediaries, Inc. First Choice Insurance Intermediaries, Inc. offers a flexible, wholesale program for a broad range of professional and administrative service providers under the Miscellaneous Business Services category. Designed for agents and brokers placing non-standard or niche service risks, the program gives access to both admitted and non-admitted markets so you can place hard-to-fit accounts with more carrier options and underwriting support. Ideal Accounts and Target Classes This program targets small to mid-sized firms that provide specialized or administrative services. Typical classes include: Answering and paging services (GL square footage cap: 35K) Auctioneering Business manager services Event planning and promotion Executive placement (GL square footage cap: 35K) Life, career, and executive coaching Personal concierge / assistant services Project management consultants Recruiting and employment placement (GL square footage cap: 35K) Talent agencies (GL square footage cap: 35K) Training providers (business, vocational, or life skills) Translation and interpretation services Travel agencies (GL square footage cap: 35K) Tutoring services Many of these classes are underserved in standard markets because of diverse professional liability exposures or mixed operations. First Choice’s wholesale relationships and underwriting expertise make it easier for you to place accounts that need tailored terms. Coverage Highlights and Program Limits Available coverage forms include: Professional Liability (PL): Revenue eligibility up to $5M General Liability (GL): Payroll eligibility up to $3M Business Owners Policy (BOP): Revenue up to $3M and up to 35,000 sq. ft. Liability limits are flexible: the online aggregate limit can be up to $2M, with higher limits (up to $5M) available by phone through underwriting. This lets you match limits to a client’s risk profile and contract requirements. Underwriting Notes and Program Considerations Markets are available on both admitted and non-admitted paper depending on class and state. Underwriting is streamlined for many target classes when accounts fall within the stated revenue, payroll, and square footage thresholds. Accounts that combine high professional exposures, significant product operations, or heavy subcontracting may require additional review or be better placed elsewhere. Example accounts you might place through this program: A boutique career coaching firm with $2M in annual revenue operating remotely with no physical office. An executive recruitment agency occupying a 30,000 sq. ft. office with payroll under $3M. There is no single stated minimum premium; however, submissions within the published caps are most likely to be competitive and eligible for online quoting where offered. Territories and Availability This program is available in the following states: AL, CA, CO, CT, DE, FL, GA, IL, IN, KS, LA, MD, MA, MI, MO, NV, NJ, NM, NY, NC, OH, OR, PA, SC, TN, TX, VA, WA, and WI. Availability and carrier access may vary by state and by coverage form. Why Work With First Choice Insurance Intermediaries, Inc.? As a wholesale broker, First Choice brings broad market access and specialty underwriting experience for miscellaneous service risks. Agents benefit from: Access to both admitted and non-admitted markets for more placement options; Underwriting teams familiar with niche professional exposures and mixed operations; Flexible limit and form options to meet contract or client-specific needs; Responsive placement support for accounts that have been difficult to place in standard markets. To review First Choice’s full company profile and other programs, visit the First Choice Insurance Intermediaries, Inc. company profile. Frequently Asked Questions What types of accounts are a good fit for this Miscellaneous Business Services program?The program is geared toward small and mid-sized firms offering services such as executive placement, tutoring, project management, coaching, and travel planning. Accounts that fall within the stated revenue, payroll, and square footage limits typically qualify and receive streamlined underwriting. What are the key eligibility limits for this program?Professional Liability is typically available for accounts with up to $5M in revenue. General Liability appetite generally extends to accounts with up to $3M in payroll. BOP eligibility is usually limited to businesses with up to $3M in revenue and 35,000 sq. ft. of space. Is this program offered on an admitted basis?First Choice can access both admitted and non-admitted markets. Which paper is available depends on the class and the state—your market specialist can confirm options for each submission. Can I submit accounts outside of the listed target classes?Yes — submissions outside the listed classes may be considered, but placement is more likely when the business aligns with the program’s core appetite. Contact First Choice for underwriting guidance on unusual or hybrid operations. Which states is this program available in?This program is available in 29 states, including CA, FL, TX, NY, and IL. Carrier availability and coverages may vary by state and by coverage form. Need help placing an account? Connect with a market specialist.

...: Arts and Craft Festivals Auctions and Fundraisers Dances and Proms ...rate-risk events such as festivals, auctions, dances, corporate luncheons, and...

...arking lot operations Auto auctions, classic car restorers, and salvage ...

MISCELLANEOUS PROFESSIONAL LIABILITY INSURANCE For NC and VA Agents Insurance Markets, Inc. (AIM) offers a flexible, competitively priced Miscellaneous Professional Liability (MPL) program for independent agents and brokers placing risks in North Carolina, Virginia, and Washington, D.C. This program is designed to help you place hard-to-cover or non-standard professional liability exposures across a broad range of classes. AIM leverages experienced underwriting and access to select carrier partners to provide tailored solutions and responsive service for miscellaneous professional risks. Ideal Accounts and Appetite AIM underwrites more than 100 professional classes, giving you the flexibility to place both common and niche service providers. The program is intended for businesses that provide professional services but do not fit traditional E&O categories (for example, physicians or attorneys). Sample Eligible Classes Include: Advertising agencies Auctioneers (non-real estate) Background check and screening services Caterers and event planners Claims adjusters Computer programmers and IT consultants Dog obedience schools and pet groomers Notaries and tax preparers Photographers, tutors, and travel agents Speech therapists and bookkeepers Typical fit: small to mid-size professional service firms, independent consultants, freelancers, and specialty providers whose exposures involve alleged errors, omissions, negligent advice or misrepresentation. Accounts with routine professional services, modest revenue, and limited professional staff generally work best. Classes with high regulatory or malpractice exposure (licensed medical or legal practices) are typically outside this appetite. Example scenarios you might place: a freelance graphic designer seeking protection for alleged copyright or design errors, or a small background-screening firm that needs coverage for data-handling or reporting mistakes. Coverage Highlights and Advantages The MPL program provides broad, customizable protection suited to diverse professional exposures. Key features include: Claims-made and reported policy form Available as a stand-alone Miscellaneous Professional Liability policy or packaged with General Liability and Property Bilateral extended reporting period options Package policy options for streamlined administration Duty to defend wording and personal injury coverage Optional enhancements (class-dependent), such as: First dollar defense Claims expenses outside the limit Punitive damages where insurable Copyright infringement coverage for select classes These features help insureds manage risks arising from alleged negligent acts, errors, omissions, or breaches of professional duty in the delivery of their services. Underwriting Notes and Minimum Premiums All submissions are individually underwritten and evaluated by class, revenue, employee counts, prior claims history, and exposure profile. AIM places accounts with varying carriers depending on class and risk characteristics. The program can accommodate both start-ups and established firms; terms, limits, and minimum premiums will depend on the specific class and underwriting factors. Provide complete submissions to help speed quote turnaround. Territories and Availability This MPL program is available in: North Carolina (NC) Virginia (VA) Washington, D.C. (DC) Policies are written on a non-admitted basis through select carriers. Availability and carrier placement vary by class and risk profile. Why Work With Agents Insurance Markets, Inc.? AIM is a Managing General Agency focused on placing specialty professional liability risks that can be difficult to place in admitted markets. You get access to underwriting expertise, a broad appetite for miscellaneous classes, and carrier relationships that are often not available directly to retail agents. AIM emphasizes responsive service—fast quotes, clear underwriting guidance, and practical policy options—so you can close business and retain clients. Whether you’re submitting a first-time policyholder or an established business seeking better terms, AIM can help you secure tailored MPL coverage. Need help placing an account? Connect with a market specialist. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for professionals who provide services but are not covered under traditional E&O policies—such as event planners, computer consultants, notaries, and pet groomers. Can this policy be packaged with other coverages?Yes. You can combine Miscellaneous Professional Liability with General Liability and Property under one policy for convenience and broader protection where appropriate. Is this program available in admitted markets?No. This MPL program is written on a non-admitted basis through a variety of carriers depending on class and coverage needs. Do you offer coverage for start-ups or newly formed businesses?Yes. AIM can consider new ventures and start-ups, subject to underwriting. Minimum premium and terms will vary by class and risk factors. How quickly can I get a quote?AIM prides itself on responsive service. Once you submit a completed application and supporting information, most quotes can be provided within a few business days. Need help placing an account? Connect with a market specialist.

...nment, or displayed at shows and auctions—are welcomed when appropriate securi...s who consigns high-value pieces to auctions and requires scheduled inland mar...