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Amwins Specialty Casualty Solutions (ASCS), part of the Amwins Underwriting division, is an MGA and specialty program creator with nearly $1B GWP across multiple industries and lines. ASCS distributes a suite of public entity products designed for pools and individual government clients. Below is a clear summary you can use when evaluating placement options for your public entity insureds. Program overview Amwins Underwriting’s Public Entity Insurance Programs provide dedicated property, liability, and workers’ compensation solutions for public-sector entities. These programs combine specialty underwriting, flexible capacity, and access to well-capitalized markets and reinsurers to address exposures unique to municipalities, school systems, special districts, public housing authorities and similar public entities. Ideal accounts and appetite Municipalities (cities, towns, counties) Public schools and higher education institutions Special districts and service authorities Public housing authorities and municipal utilities Pools and joint powers authorities seeking programmatic solutions You should consider these programs when your client needs higher capacity, layered solutions, or specialized terms crafted for public entities that standard commercial markets struggle to accommodate. Coverage highlights and advantages Public Entity Property: Up to $50M capacity per risk; administered by ASCS and written by a non-admitted carrier; excess follow-form; no TIV cap. Note: unable to participate on lead/primary layers. Public Entity Casualty: Liability offered as follow-form excess or reinsurance; up to $3M per occurrence; placed on AM Best “A-” paper and backed by a panel of global reinsurers; strong underwriting and claims expertise. Public Entity Workers' Compensation: Options include buffer, SIR, alternative funding and excess solutions; carrier ratings across programs range from AM Best "A+" to "A-" XII; available in all states. Underwriting notes and placement considerations Underwriting is program-driven and tailored to public entity exposures. Key considerations include existing policy layers (for follow-form placements), desired limit structure, loss history for public-sector operations, and whether the client is a pool or a single entity. The Property program operates on non-admitted paper; casualty and workers’ comp placements use admitted markets or reinsurer-backed structures depending on the program. Amwins’ underwriting team expects complete submissions with current values, schedules of locations, loss runs, and details on risk-transfer arrangements. Territories and availability Programs are available nationwide. States of availability include: 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 place public entity business with Amwins Underwriting Amwins Underwriting brings program design expertise, deep public entity underwriting, and strong carrier/reinsurance relationships. That combination helps you place larger limits, structure layered solutions, and offer funding alternatives for clients who need more than standard commercial terms. The underwriting and claims bench strength noted on the casualty program provides additional confidence for complex liability exposures. (*We work with pools and individual public entities) Frequently Asked Questions What types of public entity accounts are a good fit for these programs?These programs target municipalities, public schools and colleges, special districts, public housing authorities, municipal utilities, and pools. They are a strong fit when clients need higher capacity, excess or reinsurance placements, or alternative funding structures for workers’ comp. Are the programs admitted or non-admitted?Placement depends on the specific product: the Public Entity Property program is written by a non-admitted carrier and administered by ASCS. Casualty and workers’ compensation placements may be on admitted paper or structured with reinsurer support; confirm program specifics when submitting. What information should I include with a submission?Provide current policy details and limits, TIV and schedule of locations for property, recent loss runs, description of operations and exposures, any existing SIR or alternative funding arrangements, and details about pools or joint powers structures if applicable. Which states are these programs available in?The programs are available nationwide. Refer to the storefront for the full list of states, and confirm any state-specific requirements during submission, especially for workers’ compensation and surplus-lines placements. Need help placing an account? Connect with a market specialist.

RISCO offers binding authority Homeowners Insurance solutions tailored for hard-to-place personal lines risks. As a Managing General Agency (MGA) and Excess & Surplus Lines Broker, we provide flexible, customizable options to help you protect your clients’ most valuable assets—even when standard markets aren’t an option. Whether the exposure is a coastal vacation property, a high-value primary residence, or a vacant dwelling under renovation, RISCO’s underwriting experience and carrier relationships deliver practical coverage options. Our Homeowners Insurance program is built with ala carte options for Coverage A–D so you can select appropriate limits and endorsements for each unique risk. We partner with independent agents and brokers to structure policies for clients who fall outside standard underwriting guidelines, focusing on fast placement and market access. Ideal Accounts and Appetite We place unique and non-standard home risks across the Northeast, including: High-value homes — from $250,000 to unlimited replacement cost Coastal, windstorm-exposed, and hurricane-prone properties Second homes, vacation homes, and seasonal residences Vacant homes and properties undergoing renovation Dwelling-fire and rental/investment properties Older homes that may not qualify for standard markets Homes titled to trusts, LLCs, partnerships, or corporations If you have a client with a historic home on Cape Cod or a luxury second home in the Hamptons, RISCO can help you find a suitable market—even with prior losses, difficult locations, or unusual occupancy. Coverage Highlights and Advantages Flexible Coverage A–D selections and endorsement packages Replacement Cost and Special Form policy options Binding authority for quicker turnaround and fewer underwriting delays Access to both admitted and non-admitted markets depending on the risk Support for insureds held in trusts, LLCs, partnerships, or corporations Underwriting Notes and Minimum Premiums Premiums and eligibility depend on the property type, location, construction, prior loss history, and occupancy. Our underwriters evaluate submissions on their individual merits to provide tailored solutions while remaining competitively priced. Standard ACORD applications may be submitted via email to [email protected] for expedited review. Territories and Availability This Homeowners Insurance program is available in: Connecticut (CT) Maine (ME) Massachusetts (MA) New Hampshire (NH) New York (NY) Rhode Island (RI) We understand the regional challenges of the Northeast and are equipped to handle coastal exposures and other high-risk zones in these states. Why Work With RISCO With decades of specialty personal lines experience, RISCO offers the underwriting expertise, carrier access, and flexibility you need to place difficult homeowners risks. Our in-house binding authority, strong carrier relationships, and responsive service help you deliver solutions where other markets may decline. We prioritize clear communication and fast action so you can get clients covered quickly. To learn more about our Homeowners Insurance solutions, visit www.risco-inc.com or call us at 800-533-3649. ACORD applications can be emailed to [email protected] Frequently Asked Questions What types of accounts are a good fit for RISCO’s Homeowners Insurance program?This program is ideal for high-value homes, coastal and wind-exposed properties, seasonal residences, vacant dwellings, and homes owned through trusts, LLCs, or corporate entities that often don’t fit into standard markets. Can you help with homes located in wind and hurricane zones?Yes. We access markets that have appetite for coastal and windstorm-exposed properties throughout the Northeast, including New York and Massachusetts. Are Replacement Cost and Special Form policies available?Yes. Depending on the risk profile and market availability, we can place Replacement Cost or Special Form coverage. Do you accept properties titled under LLCs or corporations?Yes. We can write properties held in trusts, LLCs, partnerships, and corporate entities to accommodate investment and estate ownership structures. What states is this program available in?The program writes in Connecticut, Maine, Massachusetts, New Hampshire, New York, and Rhode Island. Need help placing an account? Connect with a market specialist.

Manufacturers & Distributors Insurance Independent agents and brokers looking to place manufacturing and distribution risks can rely on Ck Specialty Insurance Associates, Inc. for broad market access, experienced underwriting, and top-tier carrier options. As a Western-based, family-owned MGA and surplus lines broker, Ck Specialty delivers tailored insurance solutions for a wide range of manufacturing and distribution clients — with focused support for agents writing business in Arizona, Nevada, and Oregon. Program Overview The Manufacturers & Distributors Insurance Program is built to help you address complex product, premises, professional, and environmental exposures across production and distribution operations. The program places business with A-rated domestic and London-based carriers, and offers both in-house binding authority and broader brokerage market access — giving you flexible options for standard and more-challenging risks. Ideal Accounts and Appetite Ck Specialty underwriters have a wide appetite across manufacturing and distribution classes. Typical targets include: Machinery & equipment manufacturers Chemical and ingredient distributors Electronics and component producers Clothing, apparel and textile manufacturers Pharmaceuticals and nutraceutical producers Medical device manufacturers Food & beverage product distributors Cosmetics and beauty product lines Children’s and infant goods manufacturers Automotive parts suppliers Wood, metal, and animal-product manufacturers You might have a client launching a contract electronics line with international components or a regional food distributor needing product liability and inland transit coverage — both are examples of accounts this program is structured to place. Coverage Highlights and Advantages The program provides broad cover options to address common manufacturing and distribution exposures. Available coverages include: General Liability (including Product Liability) Excess Liability Property Coverage Professional Liability (E&O) Directors & Officers Liability (D&O) Employment Practices Liability Pollution Liability Access to over 40 markets — including domestic and London capacity — lets you tailor limits and terms to an account’s size and risk profile. In-house binding authority shortens turnaround on many submissions, while brokerage placements expand capacity for complex or higher-limit needs. Underwriting Notes and Minimum Premiums Ck Specialty works with both binding authority and brokerage markets to place standard and hard-to-place risks. Minimum premiums start at $500, making the program accessible to small and mid-sized accounts. Typical underwriting considerations include product toxicity, manufacturing processes, quality control, distribution channels, and prior loss history. Territories and Availability This program is available to licensed retail agents placing business in Arizona, Nevada, and Oregon. All business under this program is placed on a non-admitted basis with A-rated domestic and London-based carriers. Why Work With Ck Specialty Insurance Ck Specialty combines regional focus with deep E&S market relationships. As a family-owned MGA and surplus lines broker, they emphasize responsive underwriting, practical placement solutions, and broad carrier access so you can get accounts bound quickly and competitively. Their team is experienced with the nuances of manufacturing and distribution risks — from product contamination exposure to supply-chain transit liability. Manufacturers & Distributors Insurance Ck Specialty Insurance is a family-owned & operated, Western-based MGA/Wholesaler/Surplus Lines Broker providing market access to retail insurance brokers in AZ, CA, CO, ID, MT, NV, OR, UT, & WA. Ck Specialty Insurance: Opening market doors…for you. Frequently Asked Questions What types of accounts are a good fit for this program?This program fits manufacturers and distributors of machinery, chemicals, electronics, pharmaceuticals, food & beverage, cosmetics, and similar product lines — from small manufacturers to regional distributors. What is the minimum premium for this program?Minimum premiums start at $500, making the program suitable for smaller to mid-sized operations as well as larger accounts where broader capacity is required. What states is this program available in?This program accepts business placed by agents for risks located in Arizona, Nevada, and Oregon. Are the carriers admitted or non-admitted?All business placed through this program is written on a non-admitted basis with A-rated domestic and London-based carriers. Does Ck Specialty have in-house binding authority?Yes. Ck Specialty offers both in-house binding authority for eligible risks and broader brokerage market access when additional capacity or specialized terms are needed. Need help placing an account? Connect with a market specialist.

Builders Risk Insurance from CMS, LLC CMS, LLC offers a high-capacity, flexible Builders Risk program designed to get your construction accounts placed quickly. As a wholesale broker with in-house quoting and binding authority, CMS provides direct access to A+ rated national carriers and streamlined service to move from quote to coverage efficiently. The program handles ground-up construction, renovations and tenant improvements across residential, commercial and light industrial projects. Ideal Accounts and Appetite This program fits a broad range of project types and sizes. Typical classes include: Custom home builders and residential developers Commercial office, retail and restaurant buildouts Apartment, condo and multi-family renovations Mixed-use developments and urban infill projects Light industrial and warehouse upgrades You might have a client developing a $10M mixed-use property or a contractor performing a historic renovation—both are good candidates. The program generally favors standard construction risks; more unusual or highly hazardous exposures should be discussed with underwriting in advance. Coverage Highlights and Advantages Builders Risk is offered on a Special Form basis with meaningful built-in limits and optional enhancements to match project needs. Key built-in features include: $100,000 — Transit, Temporary Locations, Forms, Scaffolding, Falsework, and Temporary Fences $100,000 — Removal Expense $5,000 — Pollutant Cleanup & Removal and Fire Department Service Charges $5,000 per occurrence / $500 per item — Lawns, trees, shrubs, or plants $1,000 — Loss Data Preparation Debris Removal — 25% of the direct physical loss amount Optional Coverage Enhancements Soft Costs Loss of Rents Contingent Coverage Expediting Expenses Flood and Earthquake Building Ordinance Plans & Records Fire Protection Equipment Recharging Inflation Protection Extra Expense Permission to Occupy Underwriting Notes and Submission Requirements CMS provides in-house quoting and binding authority on most submissions, enabling faster placements. Submissions should include ACORD applications and any builders risk supplements. Include construction values, completion timelines, contractor details, and any protection systems or active mitigation plans to expedite review. Email new business submissions to: [email protected] or [email protected] Fax submissions to: (516) 799-8602 States and Admitted Options This program is available in most states, including AL, CA, CT, FL, GA, IL, KY, ME, MA, MI, NH, NJ, NY, NC, OH, PA, RI, SC, TX, VT, VA, and DC. Admitted options are available in many of these states. Why Work with CMS, LLC? As a wholesale broker with program expertise and direct access to multiple A+ rated national carriers, CMS gives agents competitive markets and fast execution. Their in-house authority, responsive underwriting and tailored enhancements make it easier to place standard and moderately complex builders risk accounts without unnecessary delay. Frequently Asked Questions What types of accounts are a good fit for the CMS Builders Risk program? The program is well suited for residential and commercial construction projects, including ground-up builds, renovations, tenant improvements, and light industrial work. Which states is this program available in? CMS offers Builders Risk in most states, including NY, CA, FL, TX and many across the East Coast and Midwest. Admitted options exist in many of these territories. Do you offer admitted markets for this coverage? Yes. Admitted coverage is available in many states through A+ rated national carriers when required. What documents are required for a submission? Provide ACORD applications and any builders risk supplements. Include project values, completion dates, contractor information, and protection details to speed underwriting. Does CMS provide in-house binding authority? Yes. CMS offers in-house quoting and binding authority for most Builders Risk submissions to help you place business faster. 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.

Metcom Excess - Trucking Insurance Since 1993, Metcom Excess has specialized in transportation insurance, delivering customized solutions for a wide range of trucking-related risks. Backed by over 40 years of combined underwriting experience, our team brings deep industry knowledge and responsive service to help you place accounts quickly and competitively. Whether your client operates local, intermediate, or long-haul routes, we have the markets and expertise to meet their needs. Overview of the Program From Metcom Excess Our Trucking Insurance program is designed to support independent agents and brokers looking to place coverage for commercial trucking operations across various distances and cargo types. We offer access to exclusive A-rated carriers and several in-house binding authority markets, allowing for fast turnaround on quotes and policy issuance. From business auto to public auto and fleet risks, Metcom Excess has the tools to help you succeed in the transportation space. Ideal Accounts and Appetite We write risks ranging from light trucks to tractor trailers, accommodating operations with local (0–100 miles), intermediate (101–300 miles), and long-haul (301+ miles) exposure. Our appetite includes both established operations and new ventures, with binding authority available for up to 10 units in-house. Eligible Classes Include: Auto Haulers Building Materials Transporters Contractor Vehicles Dairy Product Haulers (including milk) Dump Trucks Dually Pickups with 5th Wheel Connections Fuel Haulers Furniture Movers Grocery and Produce Haulers (including refrigerated units) General Freight Household Goods Movers Tow Trucks And more... If your client is just starting out or looking to expand their fleet, we can often consider new ventures as well. Coverage Highlights and Advantages In-house binding authority for up to 10 units Liability limits up to $1,000,000, with excess coverage available Flexible installment payment options Loss control training with company representatives Access to exclusive A-rated markets Our program helps your insureds manage key exposures such as liability, cargo, physical damage, and more—tailored to the unique risks faced by trucking and public auto operations. Underwriting Notes and Market Access Metcom Excess acts as both a Managing General Agency and an Excess & Surplus Lines Broker, giving us the flexibility to work with a wide array of markets and underwriting approaches. This allows us to offer solutions that fit both admitted and non-admitted scenarios, depending on the needs of the risk and state availability. Territories and Availability We currently write trucking risks in the following states: AZ, CT, DE, GA, IL, IN, MA, NJ, NY, NC, OH, PA, RI, SC, VA, WA, DC, and WI. Why Work With Metcom Excess? Metcom Excess stands out for our speed, service, and specialization in trucking insurance. Our team understands the urgency and complexity of transportation accounts and is committed to helping agents place business efficiently and confidently. Whether you have a small local hauler or a growing fleet with multi-state exposure, we have the tools to help you deliver value to your clients. Experience the Metcom difference—where knowledgeable underwriting, competitive pricing, and responsive service come together to support your success in the trucking sector. Frequently Asked Questions What types of accounts are a good fit for this trucking program?We target a wide range of trucking operations including auto haulers, dump trucks, fuel haulers, grocery haulers, and general freight carriers. Both new ventures and seasoned operators are eligible. What is your in-house binding authority limit?We can bind up to 10 units in-house, making it easy to quickly place small to mid-sized fleets. Do you offer coverage for long-haul trucking?Yes, our program supports local, intermediate, and long-haul trucking exposures, with flexible options based on radius of operation. Which states is the program available in?We write business in AZ, CT, DE, GA, IL, IN, MA, NJ, NY, NC, OH, PA, RI, SC, VA, WA, DC, and WI. Can you consider new venture trucking operations?Yes, new ventures are considered depending on the risk profile and underwriting details provided. Need help placing an account? Connect with a market specialist.

University Special Collections Insurance Program – Exclusive Fine Arts Coverage for Colleges and Universities Offered by Huntington T. Block (HTB), the University Special Collections Insurance Program is a tailored solution for colleges and universities seeking robust coverage for their irreplaceable fine art and special collections. Since 1962, HTB has led the fine arts insurance sector, combining deep art world expertise with strong underwriting capabilities to serve over 3,000 art-related clients nationwide. Ideal Accounts and Appetite This program is designed specifically for higher education institutions with valuable art assets, archives, rare manuscripts, or historical artifacts. Ideal accounts include: Universities with permanent art collections Colleges with rotating exhibitions or traveling displays Campuses housing libraries of rare books, manuscripts, or special collections Institutions hosting loaned works from museums or private collectors Whether your client is a small liberal arts college or a major research university, HTB can craft coverage that protects their most treasured holdings. Coverage Highlights and Advantages HTB’s University Special Collections Insurance Program offers one of the broadest coverage forms available in the U.S. for fine arts and related property: Exclusive fine arts underwriting facility since 1962 In-house quoting authority for most complete submissions – typically within 24 hours Dedicated fine arts claims department with settlement authority for faster resolutions Coverage from A XV rated carriers (A.M. Best) Property covered includes artworks, historic items, rare books, manuscripts, and more Automatic coverage for items on loan or when instructed to insure by third parties Protection for display materials such as frames, crates, vitrines, video equipment, and registration records Blanket coverage across all university locations Optional CAT coverage for Terrorism, Earthquake, Wind, and Flood (subject to underwriting) “Wall-to-wall” coverage for both permanent and temporary exhibits $1,000 deductible waived for works on loan or in transit Fast issuance of policies, renewals, and certificates Customizable solutions supported by HTB’s $400M in-house binding authority Underwriting Notes and Minimum Premiums This program is available for a minimum premium of $2,000. HTB’s in-house underwriters provide quick turnaround on complete submissions and can tailor terms to match each institution’s unique exposures. Agents benefit from HTB’s expertise in reviewing contracts and insurance requirements related to art loans and exhibitions. Territories and Availability The University Special Collections Insurance Program is available in all U.S. states and the District of Columbia, including AK, CA, FL, NY, TX, and many more. Coverage is offered on both admitted and non-admitted paper, depending on the state and insured’s needs. Why Work With Huntington T. Block HTB stands apart as a Managing General Underwriter with over 60 years of experience focused exclusively on fine arts insurance. Their team includes professionals with deep roots in both the art world and insurance industry, making them uniquely qualified to understand and respond to the needs of colleges and universities. Whether you’re placing coverage for a small collection of rare manuscripts or a large university museum, HTB can help you deliver a best-in-class solution for your client’s most valuable assets. Huntington T. Block Insurance Agency, Inc. is a licensed insurance producer in all states; Texas License # 17489; operating in CA under License # 0825502.All descriptions, summaries or highlights of coverage are for general informational purposes only and do not amend, alter or modify the actual terms or conditions of any insurance policy. Coverage is governed only by the terms and conditions of the relevant policy. Frequently Asked Questions What types of accounts are a good fit for this program?Colleges and universities with permanent art collections, traveling exhibits, rare books, or other special collections are ideal fits. Institutions that loan or borrow artwork also benefit. How quickly can I get a quote for my client?HTB typically provides quotes within 24 hours for complete submissions, thanks to their in-house quoting authority. Does the coverage include items on loan or in transit?Yes, the policy includes "wall-to-wall" coverage that extends to items on loan and while in transit. The standard deductible is waived in these scenarios. Can this program cover multiple campus locations?Yes, blanket coverage is offered across all university-owned locations, simplifying policy management for multi-campus institutions. Is terrorism or flood coverage available?Yes, CAT coverage for perils like terrorism, earthquake, wind, and flood is available, subject to underwriting approval. Need help placing an account? Connect with a market specialist.

Excess & Umbrella Insurance Program from Veracity Insurance Solutions Veracity Insurance Solutions, LLC offers a focused Excess & Umbrella Insurance program designed for agents placing mid-market commercial risks. As a wholesale broker with in-house binding authority, Veracity can quote, bind, and issue excess and umbrella coverage for more than 750 classes of business—giving you fast access to limits and terms for harder-to-place accounts. When a submission falls outside our in-house appetite, we leverage multiple carrier partners to find an appropriate market. Ideal Accounts and Appetite This program targets mid-sized commercial clients with elevated liability exposure. Typical classes we write include: General and specialty contractors Restaurants, catering, and other food-service operations Manufacturers with moderate to high product or distribution exposure Lessors Risk Only (LRO) and commercial property owners Bars, taverns, and nightclubs Accounts with primary GL, auto, and employer’s liability in place that need an additional layer of protection are a strong fit. Risks with catastrophic exposure, frequent liquor or product exposures, or complex tenant operations are within the program’s scope when supported by appropriate underlying limits and loss control. Coverage Highlights and Advantages Excess and umbrella liability provides an additional limit above an insured’s primary policies to help manage large loss and third-party liability events. Coverages can be tailored to follow form over general liability, auto liability, and employer’s liability, addressing exposures such as catastrophic injury claims, suits that exceed primary limits, liquor liability losses, and product liability claims. Program advantages include: Access to both admitted and non-admitted markets to match carrier appetite and pricing needs Multiple carrier options to accommodate a range of risk profiles Quick turnaround for in-house classes due to binding authority Capacity to place harder-to-place or higher-risk industries through broader market access Underwriting Notes and Minimum Premiums The program’s minimum premium starts at $500. Final pricing is driven by class of business, requested limits, attachment points, and the terms of the underlying policies. Underwriters evaluate submissions on a case-by-case basis and will work with you to structure appropriate attachments and exclusions. Standard submission requirements include a completed application, the schedule of underlying insurance (including limits and carriers), and loss history or prior loss runs when available. For complex or higher-exposure accounts, expect underwriters to request additional risk control information or contracts. Territories and Availability Veracity’s Excess & Umbrella program is available in all 50 states and Washington, D.C. We can handle nationwide placements and coordinate required filings or carrier access depending on whether an admitted or non-admitted solution is used. Why Work With Veracity Insurance Solutions? Veracity is a wholesale broker with specialized expertise placing liability coverage for complex or niche industries. Our in-house binding authority speeds placements for many classes, while our broad market relationships let us place risks that sit outside internal appetite. We emphasize responsive service, collaborative underwriting, and flexible options to help you secure competitive excess and umbrella solutions for your clients. Frequently Asked Questions What types of accounts are a good fit for this Excess & Umbrella program?This program is well suited to contractors, restaurants, manufacturers, LRO risks, and bars/taverns that need additional liability limits above their primary policies. What is the minimum premium for this program?Minimum premium starts at $500. Actual pricing depends on the risk class, limits, attachment points, and the insured’s underlying policies and loss history. Is this program available in all states?Yes. Veracity offers this Excess & Umbrella program in all 50 states and Washington, D.C. Can Veracity place risks that fall outside its in-house appetite?Yes. If a submission is outside our in-house authority, we will access additional carrier markets to find a suitable placement. What carriers does Veracity use for this program?Veracity works with multiple carrier partners, including admitted and non-admitted markets, to provide flexible options across a variety of risk profiles. Need help placing an account? Connect with a market specialist.

Roofing Contractors Insurance Program Amwins Program Underwriters offers a roofing contractors program tailored for residential and commercial roofers. The program is placed with an "A" rated carrier and is available in nearly every state (not offered in Hawaii, New York State, or Cook County, IL). It is structured for accounts needing broader roofing-specific terms, flexibility on subcontracting, and higher-limit excess/umbrella capacity. Overview of the Program From Amwins Underwriting This program targets roofing contractors of varying sizes and operations. It is designed to address common roofing exposures—slips and falls, property damage from rooftop work, fire damage from hot-tar/torch operations, and pollution liabilities from roofing materials. Coverage is underwritten with experienced roofers’ exposures in mind and offers options that reflect the operational realities of modern roofing contractors. Ideal Accounts and Appetite Residential and commercial roofing contractors Accounts that perform hot-tar or torch-down work (will be considered) Companies that regularly use subcontractors—no set limit on subcontracted work Roofing operations with clear risk controls, documented safety programs, and loss histories consistent with industry norms Not a good fit: businesses outside roofing specialties, accounts with repeated large loss histories without remediation, or risks located in the three excluded territories noted above. Coverage Highlights and Advantages General Liability limits: $1M per occurrence / $2M aggregate Excess/Umbrella: $5M in-house authority; higher limits available Per-project (per job) aggregate available Fire Damage Legal Liability and Medical Payments Contractors Pollution Legal Liability included as an option Drone coverage available for inspections Additional Insured and Waiver of Subrogation options (automatic or scheduled as required by contract) Primary / Non-contributory wording available Underwriting Notes and Minimum Premium Minimum premiums start at $10,000. Standard submissions should include a completed industry application, the Roofing Contractors supplemental application, and five years of loss runs (valued within the past 90 days) with details on any losses over $10,000. Firms in business less than five years should include owner(s) resumes. Underwriters will evaluate operations, safety programs, subcontractor controls, and any hot-tar/torch operations. Program Extensions Available Additional Insured (Automatic or Scheduled) Waiver of Subrogation (as required by written contract) Per Job Aggregate Employee Benefits Liability Primary / Non-Contributory wording No limitation on amount of subcontracted work Drone coverage for inspection operations Territories and Availability The program is available in nearly every state across the country except Hawaii, New York State, and Cook County, IL. For specific binding authority, state-by-state filings, and any admitted/non-admitted considerations, consult Amwins underwriting guidelines and state availability when placing business. Why Work With Amwins Underwriting on Roofing Business Specialized underwriting with experience in roofing exposures and contractual requirements. Access to higher-limit excess/umbrella capacity with in-house authority. Flexible appetite for subcontracting and hot-tar/torch operations when properly managed. Program extensions geared to common GC/owner contract requirements (AI, waiver of subrogation, primary wording). Example Account Scenarios A regional commercial roofer seeking a $1M/$2M GL program plus a $5M umbrella and primary/non-contributory wording to satisfy general contractor contracts. A residential roofing contractor who performs torch-down repairs on flat roofs and needs contractors pollution liability and fire damage legal liability included in the program. Submission Requirements (summary) Industry standard application Roofing Contractors supplemental application Loss runs — five years, valued within the past 90 days; include details for losses > $10,000 Resumes for owners if the firm has been in business less than five years Frequently Asked Questions What types of roofing accounts are the best fit for this Amwins program?The program is best for residential and commercial roofing contractors that have formal safety programs, manageable loss histories, and may need contractual endorsements (additional insured, waiver of subrogation, primary wording). Hot-tar and torch-down work can be considered when properly documented. Is there a minimum premium and how is capacity provided?Minimum premiums start at $10,000. The program offers General Liability at typical roofing limits ($1M/$2M) and in-house excess/umbrella authority beginning at $5M, with higher limits available subject to underwriting approval. Are there restrictions on subcontracted work?No—this program does not impose a limitation on the amount of subcontracted work. Underwriters will, however, review subcontractor controls and contractual relationships as part of the submission. What documentation do I need to submit to get a quote?Provide a completed industry application, the Roofing Contractors supplemental application, five years of loss runs (valued within 90 days) with details on losses over $10,000, and owner resumes for firms with less than five years in business. Need help placing an account? Connect with a market specialist.

Mobile Home Insurance Program offered by OnPoint Underwriting OnPoint Underwriting, in partnership with Spectrum Wholesale, offers a dedicated Mobile Home Insurance program tailored to the needs of mobile and manufactured housing owners, dealers and park operators. The program gives agents flexible placement options for accounts ranging from single-location park owners to multi-state dealers and large consolidators. This program is available in most states and includes specialized solutions for Manufactured Housing Parks, Dealers, RV Parks, and communities with owned rental units. OnPoint has underwriting and pricing authority across multiple "A" rated carriers—including StarNet, Gemini, Lloyd’s (Ascot), Chartis, ACE, and Allied Insurance—allowing a broad set of options, including CAT property placements for coastal exposures through a Lloyd’s of London Coverholder agreement. Ideal Accounts and Appetite OnPoint’s Mobile Home Insurance program is a fit for: Single- and multi-location mobile home park owners Manufactured housing dealers and sellers RV parks and communities that own rental units Accounts with property CAT exposure, including coastal risks Typical examples you can place with this program: a small park with a mix of tenant- and owner-occupied mobile homes; or a regional dealer who needs multi-state cover for inventory and premises liability. The program is designed to handle both routine and complex placement needs. Coverage Highlights and Advantages Multi-state admitted and non-admitted options with competitive rates Property and General Liability coverage tailored to mobile/manufactured housing risks Open Lot, Auto, and Umbrella capacity available Unscheduled Buildings and BPP coverage included up to $5,000 Business Income available on an Actual Loss Sustained form Optional Extended Period of Indemnity Debris removal included General Liability enhancements: aggregate limits per location and automatic Additional Insured wording These features help insureds manage property loss, liability exposure, business interruption and debris removal—with tailored enhancements that many standard programs do not provide. Underwriting Notes and Minimum Premiums The program’s minimum premium starts at $500, which makes it accessible for smaller park owners and single-location accounts. OnPoint underwrites and prices risks with delegated authority across multiple carriers for faster turnaround and flexible structure. CAT property placements are available for high-risk areas—particularly along the Gulf Coast and Southeast—subject to underwriting review. Territories and Availability OnPoint’s Mobile Home Insurance program is available in most U.S. states. Admitted markets are offered in the majority of states, with non-admitted options for higher-risk or CAT-exposed locations. Key states include: 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, and WY. Why Work With OnPoint Underwriting? OnPoint is a program administrator focused on the manufactured housing sector. Agents benefit from OnPoint’s niche underwriting expertise, delegated authority across multiple A-rated carriers, and a history of placing both admitted and non-admitted accounts. Their ability to place CAT property, combined with enhanced liability and business income options, helps agents solve placement problems that standard markets may decline or limit. For additional information on our Mobile Home Insurance program, contact Jackie Miller at [email protected] or (602) 494-6733. You can also visit our website at www.onpointunderwriting.com. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include mobile home parks, manufactured housing dealers, RV parks, and communities with rental units—especially those with property or coastal CAT exposures. Is this program available in admitted markets?Yes. Admitted coverage is available in most states. Non-admitted options are offered for higher-risk or CAT-prone areas where admitted capacity is limited. What is the minimum premium for this program?The program starts at a minimum premium of $500, making it accessible for smaller accounts and single-location park owners. Can this program cover CAT-exposed properties in coastal states?Yes. OnPoint can place CAT property coverage in coastal areas—including Florida—through a Lloyd’s (Ascot) Coverholder agreement, subject to underwriting terms and eligibility. What makes OnPoint Underwriting different from other program administrators?OnPoint specializes in the mobile home and manufactured housing sector, holds underwriting authority across several carriers, and provides enhanced coverages and fast turnaround to help agents place complex risks. Need help placing an account? Connect with a market specialist.