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COMMERCIAL BINDING AUTHORITY with Hudson Specialty Insurance Company Atlantic Risk Specialists, Inc./ARS-Latiff, LLC offers agents access to a robust In House Binding Facilities Insurance program backed by Hudson Specialty Insurance Company. This exclusive binding authority allows for fast, flexible quoting and binding on a range of small to mid-sized commercial Property and Casualty risks written on a non-admitted, excess and surplus lines basis. Ideal Accounts and Appetite This program targets a wide array of commercial operations that need General Liability or Package coverage and may also have limited Liquor Liability or Limited Professional Liability exposures. Liquor and Professional Liability must be written in conjunction with the General Liability. Ideal risks are small to medium-sized businesses that may not qualify for standard markets due to class codes, prior losses, or unique exposures. Sample eligible accounts might include: A neighborhood convenience store that also sells beer and wine A small contractor needing GL and Professional coverage for incidental design work A family-owned banquet hall that serves alcohol Coverage Highlights and Advantages Agents working with ARS-Latiff benefit from in-house binding authority, which means faster turnaround times and streamlined workflows. This program offers flexible coverage options including: General Liability Commercial Package Policies Limited Liquor Liability (written with GL) Limited Professional Liability (written with GL) Coverage is provided through Hudson Specialty Insurance Company, a well-capitalized carrier with a strong reputation in the E&S market. Underwriting Notes and Minimum Premiums Minimum premiums for this program start at $1,500, making it accessible for smaller accounts that may not meet thresholds for larger programs. Submissions are reviewed in-house, allowing for responsive underwriting decisions and efficient placement of business. Territories and Availability This in-house binding program is available to licensed agents and brokers in the following states: Connecticut (CT) Florida (FL) New Jersey (NJ) New York (NY) Pennsylvania (PA) As a non-admitted offering, this program is well-suited for risks that fall outside the appetite of standard markets or require more flexible terms. Why Work With Atlantic Risk Specialists, Inc./ARS-Latiff, LLC? ARS-Latiff is a trusted E&S broker with strong carrier relationships and in-house authority that empowers agents to place challenging risks quickly and confidently. Their underwriting team understands the nuances of small to mid-sized commercial exposures and works closely with agents to craft appropriate coverage solutions. Whether you’re looking to place a single location with liquor exposure or a multi-class package risk, ARS-Latiff can help you meet your client’s needs with speed and expertise. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for small to mid-sized commercial operations needing GL or Package coverage, especially those with incidental liquor or professional exposures. Is Limited Liquor or Professional Liability available as a standalone policy?No, both Limited Liquor and Limited Professional Liability must be written in conjunction with General Liability coverage. How fast can I get a quote through this program?Since ARS-Latiff has in-house binding authority, turnaround times are generally faster than traditional markets. Most quotes are returned quickly, depending on the completeness of the submission. What is the minimum premium?The minimum premium for this program starts at $1,500, though final pricing depends on risk characteristics and coverage selections. Which states are eligible for this binding facility?This program is available in Connecticut, Florida, New Jersey, New York, and Pennsylvania. Need help placing an account? Connect with a market specialist.

An injury on the job can be one of the most costly liabilities for your client’s business. Medical bills, rehabilitation, permanent disability and fatal claims can create significant financial and operational strain. Keating offers tailored Workers' Compensation placement solutions to help you protect your clients, manage exposures, and keep businesses running after a loss. Program Highlights • Fast turnaround on quotes and submissions • Premiums starting at $2,500 and scaling to large, risk-managed operations • Appetite for startup operations • Multi-state capabilities • High experience mod factors accepted • In-house authority with several top-rated carriers • Direct bill options, including pay-as-you-go • Competitive pricing and agent commissions Overview — Keating's Workers' Compensation Program Keating is a wholesale broker with deep Workers' Compensation expertise and broad carrier access. We combine underwriting experience, streamlined submission workflows, and in-house authority to place accounts across a wide range of industries and risk profiles. Our team focuses on responsive service so you can move business quickly and give your clients reliable coverage and flexible billing options. Ideal Accounts and Target Classes We handle hundreds of class codes and a variety of account sizes — from single-location small businesses to multi-state operations with complex exposures. Typical target classes include: • Artisan contractors • Auto service & towing • Bus companies • Cell tower construction • Drywall contractors • Grocery and retail stores • Home health agencies & VNAs • Hotels and motels • Long and short haul trucking • Manufacturing • Non-emergency medical transportation • Remodeling contractors • Restaurants (single location to chains) • Social services • And many more We also operate exclusive specialty programs for social services, home health / visiting nurse associations, and medical temporary staffing. Example fits: - You might have a growing regional contractor with a higher experience modification factor and multi-state payroll — Keating can help place the account and arrange pay-as-you-go billing. - Or a startup home health agency needing admitted coverage and competitive pricing — our specialty programs are designed for that appetite. Coverage Highlights and Advantages - In-house authority with multiple top-rated carriers for flexible placement options. - Admitted and non-admitted solutions depending on state and risk characteristics. - Direct-bill and pay-as-you-go billing to reduce audit surprises and help clients manage cash flow. - Ability to consider higher experience mod factors and more complex loss histories when the operations and controls justify placement. Underwriting Notes & Submission Requirements To evaluate risks quickly, include the following with submissions: • Completed ACORD 130 application • Experience Modification Worksheet • 3–5 years of currently valued loss runs • Detailed description of operations and payroll breakdowns Minimum premiums typically start around $2,500, but final pricing depends on class codes, state, payroll, and underwriting details. Territories and Availability Keating’s Workers' Compensation program is available in all 50 states and Washington, DC. We offer both admitted and non-admitted options where appropriate for the risk and state requirements. Why Work With Keating? As a wholesale broker, Keating brings: • Dedicated underwriting expertise and quick response times • Broad carrier relationships and in-house authority to place difficult or specialized risks • Flexible billing and competitive terms to help you sell and retain business • Practical guidance on structure, endorsements, and loss-control strategies Our team acts as an extension of your brokerage — helping you find the right market, structure terms, and move submissions efficiently from quote to bind. Contact Keating today—your trusted partner in Workers' Compensation insurance placement. Frequently Asked Questions What types of accounts are a good fit for Keating’s Workers' Compensation program?Keating is a strong market for artisan contractors, healthcare providers, social services, trucking, manufacturing, retail, and many other classes — including startups and higher-mod operations that need flexible placement options. Is this program available in all states?Yes. Our Workers' Compensation program is available in all 50 states and Washington, DC, with admitted and non-admitted options depending on the state and risk. Do you accept high experience modification factors?Yes. We can consider accounts with higher experience modification factors when the overall operations, controls, and exposure profile support placement. What is the minimum premium for this program?Minimum premiums generally start around $2,500, but final minimums depend on class code, state, payroll, and underwriting factors. What carriers does Keating work with?We have in-house authority with multiple carriers and strong wholesale relationships, giving us flexibility to find the right fit across admitted and non-admitted markets. Need help placing an account? Connect with a market specialist.

Available nationwide through A-rated insurance carriers Surplus lines tax filing capability in all 50 states Package policy includes Property and General Liability Standard GL and Professional Liability limits of $1 million / $3 million per occurrence Exclusive program developed and managed since 2004 In-house underwriting, quoting, and binding authority International Excess Program Managers offers a specialized Durable Medical Equipment Insurance program tailored for agents and brokers placing DME providers. With nearly two decades managing this exclusive program, we focus on the operational and professional exposures common to suppliers, renters, and retailers of durable medical equipment. Ideal Accounts and Appetite This program is designed for businesses that sell, rent, distribute, or service durable medical equipment and supplies. Target classes include, but are not limited to: Home healthcare supply vendors DMEPOS providers (Durable Medical Equipment, Prosthetics, Orthotics, and Supplies) Medical mobility device retailers (wheelchairs, scooters) Respiratory and oxygen equipment providers You might have a client who operates a regional DME company delivering hospital beds and mobility equipment to patients' homes, or a small chain that supplies oxygen concentrators and related services. This program addresses both liability exposures and property risks tied to inventory, rentals, and client care activities. Coverage Highlights and Advantages Package policies that combine Property and General Liability for simpler placement Professional Liability included with standard limits of $1M / $3M Underwritten and supported by A-rated carriers In-house underwriting and binding authority for faster turnaround Program continuity and specialized expertise since 2004 Underwriting Notes and Minimum Premiums Minimum premiums and terms vary by risk characteristics such as annual revenue, product mix (rental vs. sales), services provided, and geographic exposure. Our underwriting team has delegated authority to quote and bind, enabling responsive service and case-specific solutions. Provide detailed revenue, operations, and loss history for the quickest turn. Territories and Availability The program is available in most U.S. states, including DC. We can file surplus lines taxes in all 50 states and frequently place business on a non-admitted basis where appropriate. Contact our team to confirm market options and admitted/non-admitted availability for your client's state. Why Work With International Excess Program Managers? As a managing general agency focused on niche healthcare programs, International Excess Program Managers combines deep underwriting knowledge with operational efficiency. Our team offers direct access to underwriters, flexible binding authority, and established carrier relationships to help you place both new and complex DME accounts. Interested in becoming an appointed agent for this program? Click here. Frequently Asked Questions What types of accounts are a good fit for this program?Accounts that sell, rent, distribute, or service durable medical equipment are a good fit—examples include DMEPOS providers, home healthcare supply vendors, mobility device retailers, and respiratory equipment suppliers. Is this program available in all states?The program is available in most states, and we have surplus lines filing capability in all 50 states. Actual availability may vary by carrier and the specific risk profile. What coverages are included in the program?We offer a package policy that includes Property and General Liability, with Professional Liability included at standard limits of $1M / $3M. Coverage options are tailored to each account. Do you have in-house underwriting authority?Yes. We provide in-house underwriting, quoting, and binding authority to expedite placements and provide flexible solutions for brokers. How long has this program been in operation?This exclusive Durable Medical Equipment Insurance program has been operating since 2004 and is backed by A-rated carriers. Need help placing an account? Connect with a market specialist.

Commercial businesses face a broad range of property and liability exposures, and finding a cost-effective, comprehensive solution can be difficult. Novatae Risk Group offers a tailored Commercial BOP/GL and Property Insurance Package for small- to mid-sized businesses across many industries. Through Novatae’s partnership with Empire, you get fast turnaround, flexible underwriting, and in-house authority so you can place business and serve your clients more efficiently. This program bundles General Liability and Property coverages into one streamlined package. With competitive pricing and a $500 minimum premium, you can quote, bind, and issue policies in-house—helping you deliver a faster response without sacrificing coverage strength. Ideal Accounts and Appetite Novatae’s package fits a wide range of commercial risks. Typical classes we place include: Retail stores and shopping centers Restaurants, bars, and bed & breakfasts Apartments, condominiums, and office buildings Funeral homes and health clubs Mobile home parks, museums, and mini-golf facilities Vacant land and properties requiring flexible solutions Artisan contractors are also a strong fit—HVAC technicians, plumbers, drywallers, roofers, appliance installers, and similar trades. The program works particularly well for mixed-exposure risks, for example a small hotel with onsite dining or a contractor that needs coverage for tools and equipment. Example scenarios you can place quickly: One-location restaurant needing GL, property, and limited business income coverage with same-day bind. Three-unit apartment building with building coverage and GL for onsite management, within in-house property authority limits. Coverage Highlights and Advantages 4-hour indications/quotes for eligible submissions Same-day bind and policy issuance on qualified risks $1,000,000 / $2,000,000 General Liability limits with ISO GL forms Excess liability available up to $5,000,000 In-house property authority up to $5,000,000 per location Ability to submit higher property values up to $25,000,000 with fast approval turnaround Broad class code acceptance across commercial sectors Written on admitted and non-admitted paper with A–XV rated carriers Property and Inland Marine: Basic and Broad Form options are available. Coverages include buildings, contents, business income, contractor’s equipment, and tools—with equipment sub-limits up to $250,000 for owned, leased, or rented property. Key extensions and sub-limits include: $25,000 blanket limit for Fire Extinguishing System Expenses Lock replacement, outdoor signs, landscaping, and tenant move-back expenses Sub-limits for sewer/drain backup, employee dishonesty, forgery, money & securities, and spoilage Underwriting Requirements and Minimum Premiums Completed ACORD 125 and 126 for General Liability Property and equipment ACORDs as applicable Supplemental application required for most accounts Minimum premium starts at $500 with a minimum deductible of $500. Novatae’s underwriting is structured to be fast and flexible, making it straightforward to place both standard and non-standard risks when they meet program guidelines. Territories and Availability This program is available in most states, including: AL, AK, AZ, CA, CO, CT, FL, GA, IL, KY, LA, MN, MS, MO, NV, NJ, NM, NC, PA, SC, TN, TX, UT, VA, WV, and WI. Coverage can be written on admitted or non-admitted paper depending on the state and risk profile, using A–XV rated carriers. Why Work With Novatae Risk Group? Novatae is a wholesale broker with deep market access and in-house authority designed to help agents close commercial business faster. Their strengths for this program include responsive service, competitive pricing, broad class appetite, and the ability to issue policies quickly—helpful when your client needs immediate proof of coverage. Call 800-758-8113 to speak with a broker about your next Commercial BOP/GL and Property submission. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for small to mid-sized commercial accounts, including retail stores, restaurants, apartments, artisan contractors, and mixed-use properties. How quickly can I get a quote or bind coverage?Novatae can provide indications or quotes within 4 hours and offers same-day binding and policy issuance on qualified accounts. What property limits are available under this program?In-house authority is available for property values up to $5 million per location, with submissions accepted for values up to $25 million. Are both admitted and non-admitted markets available?Yes, the program uses both admitted and non-admitted A-XV rated carriers, depending on the state and risk profile. What states is this program available in?This program is available in most states, including CA, TX, FL, NJ, IL, GA, and more. Contact Novatae for specifics by state. Need help placing an account? Connect with a market specialist.

We offer a wide range of property risks with our binding authorities or our brokerage markets. No matter the size of the property, we have the markets and the coverage for your clients’ commercial property risks. Target Classes • Apartments • Factories • Hotel/Motel • Lessors’ Risk • Office Buildings • Shopping Centers • Vacant Buildings • Warehouses Property Coverage • Builders’ Risk • Building & BPP • Crime • Inland/Ocean Marine Property Highlights • Optional Excess • Optional EQ • Admitted & Non-Admitted Markets Overview — Gorst & Compass Insurance Commercial Property Insurance Gorst & Compass Insurance offers a dedicated wholesale broker program placing commercial property risks through a mix of binding authorities and brokerage markets. Our program is built for agents who need flexible access to admitted and non-admitted capacity, optional earthquake and excess limits, and coverages that span builders’ risk to inland/ocean marine. Use this program to place owner-occupied and tenant-occupied property classes across small to mid-size portfolios. Ideal Accounts and Appetite Multi-family apartments and lessors’ risk (including small portfolios) Retail shopping centers and strip centers Office buildings and professional complexes Light manufacturing and warehouses Hotels and motels Vacant buildings (subject to underwriting review) We typically appetite properties with standard construction, clear maintenance histories, and manageable vacant exposure. Accounts with complex environmental exposures, heavy manufacturing with high-hazard operations, or large catastrophic aggregation should be submitted for prior discussion. Coverage Highlights and Advantages Building and Business Personal Property (BPP) — broad form options available via admitted or non-admitted carriers. Builders’ Risk — for new construction or renovation projects. Crime and Inland/Ocean Marine — add-on modules to complete a client’s property program. Optional Excess layers and Earthquake coverage — flexible placement to meet client limits. Access to both admitted and non-admitted markets — useful when admitted capacity is limited or when broader wording is needed. Underwriting Notes and Minimum Premiums Underwriting focuses on risk details agents can provide quickly: occupancy, construction type, year built, replacement cost, sprinkler status, protection class, and loss history. For vacant buildings, provide vacancy duration and security/maintenance plans. Gorst & Compass works with carriers that accept binding authority submissions and full-brokered placements; minimum premium requirements vary by market. Minimum premium: Varies by carrier and binding authority. Provide submission details to get a pre-qualification and estimated premium range. Territories and Admitted Status This program currently places business in California. We work with a mix of admitted and non-admitted carriers to give you placement options. Where admitted capacity is available we will use it; when broader terms or higher limits are required we can access non-admitted markets. Why Work With Gorst & Compass Insurance Wholesale broker expertise — streamlined submission handling and access to multiple markets from a single point of contact. Binding authorities plus brokerage markets — faster decisions on eligible risks and flexibility when admitted capacity is constrained. Practical underwriting — we focus on coverages that matter to commercial property owners and investors, including builders’ risk and inland marine. Agent-focused service — clear submission checklists, targeted appetite guidance, and responsive quote follow-up. Example scenarios that fit this program You have a client that owns a 40-unit apartment building in California needing building & BPP with optional earthquake coverage — this program can place admitted or non-admitted capacity depending on limits and exposures. A small shopping center owner needs a combined property and crime policy with an excess layer — Gorst & Compass can package the core property coverage and secure excess capacity. Frequently Asked Questions What types of accounts are a good fit for this commercial property program?Best fits include apartments, office buildings, shopping centers, warehouses, hotels/motels, lessors’ risks, and builders’ risk for small-to-mid-size projects. Vacant buildings are considered but require additional supporting information. Which states does this program support and are admitted markets available?The program currently writes in California and uses a mix of admitted and non-admitted carriers. Where admitted capacity exists we will pursue it; non-admitted capacity is available for broader terms or higher limits. What information should I include with a submission to speed underwriting?Include occupancy, construction type, year built, square footage, replacement cost values, protection class/sprinklers, loss history for the last 3–5 years, and details on vacancy or tenant mix. For builders’ risk include project values and timeline. Are earthquake and excess limits available?Yes. Optional earthquake coverage and excess layers are available through the program, subject to carrier appetite and underwriting review. Need help placing an account? Connect with a market specialist.

With extensive expertise in the public entity insurance marketplace, Worldwide Facilities, LLC offers a comprehensive insurance solution tailored to the complex needs of governmental and nonprofit organizations. As a leading general agency and excess & surplus lines broker, we provide agents and brokers with access to a wide array of domestic and international insurance carriers, enabling customized coverage for a broad range of public entities. TARGET CLASSES • Municipalities • Counties • States • Utilities • School Districts • Higher Education Institutions • Transit Districts, including light rail exposures • Joint Power Authorities or similar pooling arrangements • Special Districts • Dam Operations • Community Based Organizations • Religious Organizations AVAILABLE COVERAGE FEATURES • General Liability • Professional Liability (including Public Officials, School Board Legal, Law Enforcement) • Employee Benefits Liability • Employment Practices Liability • Automobile Liability • Foreign Liability • Property including Crime • Excess Umbrella Liability • Healthcare • Professional Liability Excess • Workers Compensation • Employers Liability Healthcare Benefits • Educators Legal Liability • Directors & Officers Liability • Pastoral Professional Liability Frequently Asked Questions What types of accounts are a good fit for this program?This program is designed for a wide range of public entities including municipalities, school districts, utilities, transit authorities, and religious or community-based organizations. Is this program available in all states?The program is available in most U.S. states, including CA, TX, NY, FL, IL, and many others. Contact Worldwide Facilities for more specific state availability. What coverages are included in the Public Entity Insurance program?Available coverages include General Liability, Professional Liability, Property, Workers Compensation, Employment Practices Liability, and more. Do you offer solutions for Joint Power Authorities or pooled arrangements?Yes, the program is well-suited for Joint Power Authorities or similar pooling groups seeking comprehensive and flexible insurance solutions. Can I access both admitted and non-admitted markets through this program?Yes, Worldwide Facilities has access to various domestic and foreign carriers, offering both admitted and non-admitted solutions depending on the risk and jurisdiction. Need help placing an account? Connect with a market specialist.

Agents across the country can rely on MAXIMUM to deliver customized solutions for all their Contract Binding Insurance needs. With team-based underwriting, deep market access, and delegated binding authority, MAXIMUM is a wholesale broker you can use to place a wide range of property and casualty risks quickly and efficiently. Comprehensive Solutions for Complex Risks At MAXIMUM, we understand the practical challenges agents face when binding contracts. Our Contract Binding Insurance program supports both commercial and personal lines and is designed to be flexible enough to address unique exposures across many industries and asset types. Target Classes of Business Our Contract Binding Insurance program is well suited for a broad mix of insureds. We actively write business for: • Artisan and General Contractors • Apartment Buildings and Condominiums • Convenience Stores and Gas Stations • Co-ops (Commercial and Residential) • Homeowners and Townhouses • Grocery Distributors and Meat/Fish/Poultry Facilities • Microbreweries, Restaurants, Taverns, and Bars • Hotels, Motels, and Mobile Home Parks • Office Buildings and Shopping Centers • Lessors Risk Only (LRO) Properties • Tobacco Stores and Vacant Properties • Warehouses and Storage Risks Whether you have a contractor who needs flexible liability terms or a retail property owner looking for tailored property coverage, our program is built to help you place the account efficiently. Coverage Highlights Our binding authority program includes a range of coverages designed to address common real-world exposures. Property Coverages: • Equipment Breakdown • Building, BPP, Signs, and Business Income • Wind Exposure (Tiers 1 & 2) • Enhanced Property Endorsements • Inland Marine (limits up to $250K) Property limits are available up to $5 million Total Insured Value (TIV) per location. Casualty Coverages: • Employee Benefits Liability • Hired and Non-Owned Auto Liability • Jobsite and Location-specific Aggregates • Hostile Fire Pollution Buybacks (CG2155 and CG2165) • In-house GL limits up to $2M/$4M Garage Keepers Legal Liability is available for valet operations. We write more than 700 eligible general liability classes and offer optional Liquor Liability, Excess/Umbrella, and manuscript endorsements or restrictions where appropriate. All forms follow ISO General Liability and Property 2007 editions. Underwriting & Premium Guidelines The program is structured to be flexible, but standard underwriting parameters apply. Minimum premium starts at $500, making the program accessible for small and mid-sized accounts. We evaluate each submission on its individual merits and work with you to craft terms that reflect the client’s operations and risk profile. Typical considerations include prior loss history, occupancy and construction details for property, and operations/exposure for liability classes. For complex or higher-limit placements, we can coordinate access to excess markets and manuscript wording when needed. Territories and Admitted Status MAXIMUM offers this binding program in all 50 states plus Washington, DC. We place business on both admitted and non-admitted paper depending on state rules and the nature of the risk. Why Partner With MAXIMUM? As a wholesale broker focused on binding authority placements, MAXIMUM provides: Deep access to P&C carrier markets and specialty capacity Dedicated underwriting teams with delegated binding authority Customized solutions for both standard and harder-to-place risks Responsive support during quoting and binding to help you move accounts faster Example account scenarios you can place through this program: A regional microbrewery seeking combined property, GL, and liquor liability with equipment breakdown — coverage up to local capacity and tailored endorsements for brewing operations. An owner of a small apartment building (LRO) with moderate fire exposure needing property limits up to $3M TIV and in-house GL with location aggregates. Whether you’re placing a vacant commercial building in Florida or a neighborhood restaurant in the Midwest, we’re positioned to help you secure the coverage your clients need—fast. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for small to mid-sized commercial property and casualty risks, including contractors, LROs, apartment buildings, retail operations, and hospitality businesses. What is the minimum premium for the Contract Binding Insurance program?The minimum premium starts at $500, depending on the risk and coverages selected. Are both property and casualty coverages available?Yes. We offer comprehensive property and casualty coverages, including building, BPP, inland marine, general liability, excess, and more. Can you accommodate risks in all 50 states?Yes. This program is available in all 50 states and Washington, DC. We have access to both admitted and non-admitted markets based on state requirements and the type of risk. Do you offer coverage for vacant properties?Yes. We can provide solutions for vacant exposures, including vacant buildings and land, subject to underwriting review. Need help placing an account? Connect with a market specialist.

Vacant Buildings & Vacant Land Insurance from Metcom Excess Metcom Excess specializes in vacant property insurance and provides flexible, competitive solutions for both vacant buildings and vacant land. With a broad appetite for hard-to-place risks, in-house binding authority, and short-term policy options, we help agents place accounts that many standard markets will not consider. Ideal Accounts and Appetite If you need a market for difficult vacant property accounts, Metcom Excess is focused on this business. We write a wide range of vacant risks, including: Residential structures (DP form available) Commercial and mercantile buildings, including strip centers Manufacturing and industrial properties Vacant land of any acreage — no blanket acreage limit Parcels with natural features such as ponds or lakes Properties up to 6 stories for property coverage; up to 10 stories for General Liability Typical fits include owners holding land for future development, buildings between tenants or undergoing renovation, and unusual vacant sites that standard admitted markets decline. Coverage Highlights and Advantages Metcom Excess offers flexible policy structures and competitive features tailored to vacant risks: General Liability: $2M/$4M primary limits (excess capacity available) Property Coverage: Limits up to $12,000,000 (subject to protection class and construction) Policy Terms: 3-, 6-, or 12-month terms to match short-term exposures Package or Monoline: Choose coverage structure based on the account Competitive pricing and underwriting focused on vacant exposures In-house binding authority for faster quotes and quicker placements Underwriting Notes and Minimum Premiums We underwrite the majority of risks in-house, which enables quick turnaround on quotes and policy issuance. Our minimum premium starts at $500, keeping the program accessible for smaller or transitional risks. Underwriting will consider protection class, construction type, prior loss history, and vacancy duration when evaluating terms and pricing. Territories and Availability This program is available in the following states: AZ, CT, DE, FL, GA, IL, IN, MD, MA, NJ, NY, NC, OH, PA, RI, SC, VA, DC, and WI. We work with both admitted and non-admitted options; admitted placements are available in some states depending on the risk and location. Why Work With Metcom Excess? As a Managing General Agency and Excess & Surplus Lines broker, Metcom Excess brings deep experience in vacant property risks. Our team focuses on the specific exposures that vacant buildings and land present—vandalism, unattended utilities, environmental and slip/trip hazards on undeveloped lots—and structures coverage and pricing accordingly. With access to multiple carrier partners and an appetite for difficult accounts, we help you place business other markets decline. You might have a client who owns an empty commercial building between tenants, or a developer holding several acres until project financing is finalized—Metcom Excess provides tailored short-term and longer-term solutions to protect those assets. Metcom Excess is your vacant property specialist! Frequently Asked Questions What types of accounts are a good fit for this program?We specialize in vacant residential, commercial, and industrial properties, plus vacant land held for future development or investment. Ideal accounts are those that standard markets find difficult to place due to vacancy-related exposures. Is there a limit on the size or acreage of vacant land?No — we do not impose a blanket acreage limit and can consider large parcels, including sites with ponds, lakes, or other natural features. What policy terms are available?We offer short-term and transitional options with 3-, 6-, and 12-month policy terms to suit holding periods and renovation timelines. Are admitted markets available?Yes. We have access to admitted markets in some states; whether an admitted placement is available depends on the specific risk and location. What is the minimum premium for this program?The minimum premium starts at $500, which makes the program accessible for smaller vacant properties and short-term needs. Need help placing an account? Connect with a market specialist.

Garage Liability & Garagekeepers Insurance Program Overview from Ck Specialty Insurance Ck Specialty Insurance Associates, Inc. offers a comprehensive Garage Liability & Garagekeepers Insurance program tailored for a wide range of automotive-related businesses. As a trusted, family-owned MGA and Surplus Lines Broker based in the Western U.S., Ck Specialty provides brokers and agents access to multiple A-rated markets, with in-house binding authority and strategic brokerage options to meet your clients’ unique needs. This program is available in Arizona, Nevada, and Oregon, and is written on a non-admitted basis through strong carrier partnerships. Ideal Accounts and Risk Appetite This program is built to serve a wide array of garage and automotive operations. Whether your client is a small repair shop or a large truck dealership, Ck Specialty is ready to help you place the business. Ideal accounts include, but are not limited to: Service and Repair Shops Tire Shops (including used tire sellers) Used Auto Dealers Valet Parking Services Auto Dismantlers and Salvage Yards Body and Paint Shops Heavy Truck Dealers and Repair Operations Mobile Auto Repair Services Oil & Lube Shops Auto Storage and Impound Yards Classic and Antique Auto Restoration Roadside Assistance Providers Car Wash Facilities You might have a client running a mobile repair service out of Phoenix or a growing used car dealership in Las Vegas—this program is designed to cover those types of risks efficiently and competitively. Coverage Highlights and Advantages Comprehensive protection is available for a variety of exposures commonly found in the garage and automotive industry. Coverages offered include: Garage Liability Garagekeepers Coverage (Direct Primary or Legal Liability) Dealers Open Lot General Liability Excess Liability Property Employment Practices Liability Pollution Liability Inland Marine With multiple A-rated carriers and flexible underwriting, Ck Specialty can tailor coverage to match your clients' operational risks and industry exposures. Underwriting and Minimum Premiums The program offers a competitive minimum premium starting at $750, making it accessible for smaller operations while still scalable for larger accounts. In-house binding authority helps expedite the quoting and binding process, and when needed, brokerage markets can be accessed for more complex risks. Territories and Availability This program is currently available in the following states: Arizona (AZ) Nevada (NV) Oregon (OR) Agents operating in these states can leverage Ck Specialty’s expertise and market access to confidently quote and place these accounts. Why Partner with Ck Specialty Insurance As a Western-based, family-operated MGA and Surplus Lines Broker, Ck Specialty Insurance is committed to helping retail brokers succeed. With access to multiple A-rated carriers, a broad appetite for garage-related risks, and a focus on responsive service, Ck Specialty is a reliable partner for hard-to-place and standard accounts alike. Their in-house authority streamlines the process while providing the flexibility needed in today’s competitive insurance marketplace. Ck Specialty Insurance: Opening market doors…for you. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for service and repair shops, used auto dealers, mobile mechanics, tire shops, car washes, and heavy truck repair businesses, among others. Is this program available on an admitted basis?No, this program is written on a non-admitted basis through A-rated carriers. What is the minimum premium for this program?The minimum premium starts at $750, making it accessible for small to mid-sized operations. What states is the program available in?This program is currently available in Arizona, Nevada, and Oregon. Can I access this program if I have a complex or unusual account?Yes, Ck Specialty has both in-house binding authority and access to brokerage markets for more complex or non-standard risks. Need help placing an account? Connect with a market specialist.

Immigration Consultant Bonds Overview — Immigration Consultant Bonds from Allstar Financial Group Allstar Financial Group places immigration consultant bonds for agents who need access to flexible surety solutions for clients that prepare immigration forms, packages and filings. Many state and local governments require a surety bond as a condition for registration or licensure for immigration consultants and document preparers. The bond guarantees that the consultant will perform services in accordance with applicable laws and regulations and provides a financial remedy if the consultant breaches the terms of their registration. Ideal accounts and appetite Independent immigration consultants and small firms that prepare and file applications, petitions and supporting documents on behalf of clients. Non-attorney document preparers and licensed consultants who must file a bond to register with a state or municipality. Startups and sole practitioners seeking a straightforward bonding solution to meet regulatory requirements. Our program generally does not fit applicants with unresolved criminal or fraud histories or firms that primarily provide legal advice (attorneys should seek professional liability products tailored to legal practice). Each submission is underwritten individually. Coverage highlights and advantages Access to multiple carriers: Allstar markets these bonds with a panel of surety providers to improve placement options and pricing flexibility. Admitted where required: We offer admitted and non-admitted placement options to meet state and local requirements across jurisdictions. Fast, practical underwriting: Underwriters experienced with immigration bond requirements help speed decisions and reduce back-and-forth requests. Simplified documentation: Typical submissions focus on applicant identity, licensing/registration documents, and basic financial/background information. Underwriting notes and minimum premiums Bond amounts and terms vary by state and by the specific licensing authority. Minimum premiums and rate factors also vary by carrier and risk profile — Allstar underwriters can provide state-specific guidance once you submit the applicant details. Typical underwriting considerations include the applicant’s registration status, prior disciplinary or criminal history, and the dollar amount of the required bond. Territories and availability This program is 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. Allstar places bonded accounts across these states and can clarify admitted versus non-admitted options where required by the licensing authority. Why place immigration consultant bonds with Allstar Financial Group MGA expertise: We combine program-level authority with direct access to several surety carriers so you can place more accounts through one partner. Practical service: Dedicated underwriters work with you to identify the right market and provide clear submission requirements. Flexible solutions: Multiple carrier options and admitted/non-admitted placement increase the likelihood of successful placement for atypical or higher-limit bonds. Example accounts You have a sole practitioner immigration document preparer who must register with the state and needs a $10,000 bond. Allstar can submit to multiple carriers to find competitive terms. You work with a two-person firm that expanded services into a new state and needs a state-specific registration bond; Allstar can outline the documents required and help secure placement quickly. Contact one of our underwriters today for more information on immigration consultant bonds. (800) 424-0132 Frequently Asked Questions What types of accounts are a good fit for this program?Independent immigration consultants, non-attorney document preparers, and small firms that must post a state or local registration bond are good fits. We consider start-ups and sole practitioners as long as underwriting requirements are met. How are bond amounts and premiums determined?Bond amounts are set by the licensing authority. Premiums depend on the bond amount, the applicant’s background and financial profile, and the carrier selected. Allstar will provide rate guidance after reviewing the submission. What documents does underwriting typically require?Underwriters usually request the applicant’s registration or license application, government bond form, personal identification, and basic background information. Additional documentation may be requested for higher-risk applicants. Is placement admitted or non-admitted?Allstar works with admitted and non-admitted carrier options to meet regulatory needs. Availability depends on the state and the carrier’s appetite for the risk. How quickly can you get a bond issued?Turnaround varies by state and carrier but is typically fast once we receive complete application materials. Our underwriters focus on efficient reviews to minimize delays. Need help placing an account? Connect with a market specialist.