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Keating offers a specialized Workers' Compensation Insurance program designed specifically for housing authorities of all sizes, operating across all 50 states and the District of Columbia. This program is built to support organizations that manage a wide range of property types, including industrial buildings, condominiums, office spaces, apartment complexes, and time-share units. Ideal Accounts and Appetite This program is a strong fit for public and private housing authorities, property management companies working with residential or mixed-use portfolios, and organizations that operate employee-heavy buildings or facilities. If your client operates or manages housing structures and employs staff involved in property oversight or maintenance, this program is worth considering. Typical classes include: Landlords and property managers Doormen and elevator operators Gatekeepers and security desk staff Concierges and building superintendents Custodial and maintenance workers Coverage Highlights and Advantages Keating’s Workers' Compensation program is structured to address the unique risks that arise in the daily operations of housing authorities. Whether it's a superintendent injured during routine maintenance or a doorman hurt while assisting a tenant, this program provides essential benefits and protections for both the employer and employee. By working with several trusted carriers, Keating is able to offer competitive pricing and flexible solutions tailored to your clients' workforce and operational structure. The program is designed to help your clients meet state-mandated coverage requirements while mitigating the financial impact of workplace injuries. Underwriting Notes and Minimum Premiums The minimum premium for this program starts at $2,000, making it accessible for housing authorities of varying sizes. Keating takes a case-by-case underwriting approach, allowing the flexibility to evaluate unique exposures and staffing models. Risks with well-documented safety practices and clear employee roles are generally more favorable in underwriting. Territories and Availability This program is available in all 50 states and the District of Columbia, offering nationwide access for agents looking to place business in multiple jurisdictions. Whether your client operates in a single urban area or across several states, Keating can help you meet their Workers' Compensation needs. Why Work With Keating Keating is a trusted carrier with deep experience in niche Workers' Compensation placements. Their broad market access, responsive underwriting team, and focus on specialized property-related risks make them a valuable partner for agents and brokers. With a streamlined quoting process and strong carrier relationships, Keating helps you deliver competitive solutions for your housing authority clients. Have a client managing several apartment complexes with a full-time maintenance crew? Or a housing authority with on-site security and concierge staff? Keating’s program is built to handle these scenarios and more. Contact Keating today to learn more about their Housing Authorities Workers' Compensation Insurance program and how it can support your clients' needs. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include public and private housing authorities, property managers of apartment buildings, condominiums, and mixed-use facilities that employ on-site staff like superintendents, doormen, and maintenance personnel. Is the program available in all states?Yes, Keating’s Housing Authorities Workers' Compensation Insurance program is available in all 50 states and the District of Columbia. What is the minimum premium for this program?The minimum premium starts at $2,000, making it suitable for both small and large housing authorities. What employee roles are covered under this program?The program covers a wide range of roles including landlords, doormen, elevator operators, gatekeepers, security staff, concierges, superintendents, and custodial or maintenance workers. Does Keating offer flexible underwriting for unique risks?Yes, Keating uses a case-by-case underwriting approach to accommodate unique staffing models and operational exposures common to housing authorities. Need help placing an account? Connect with a market specialist.

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.

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.

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.

"It's time to get on board with Capacity Marine" Grow Your Business with Our Marine Insurance Solutions Overview of the Marine Insurance Program from Capacity Marine Corp. Capacity Marine Corp., offered through VAIL - Value Added Insurance Lines, is a specialized wholesale brokerage and reinsurance intermediary with deep expertise in marine and international risks. Our Marine General Liability (MGL) program is built to serve complex marine accounts—helping agents and brokers place challenging risks with confidence. Our program is backed by strong carrier partners, including Hanover Insurance Group, and is available in most U.S. states. Whether your clients operate globally or from a single port, we are ready to help you simplify their coverage, satisfy port requirements, and protect their marine-related assets. Ideal Accounts and Appetite Our appetite spans a wide range of marine and port-related operations, including: Freight Forwarders and Logistics Providers Stevedores and Terminal Operators Marine Cargo & Warehouse Liability Hull & Machinery and Protection & Indemnity (P&I) Small Shipyards, Dry-Docks, and Ship Repair Yards Marine Contractors and Heavy Equipment Operators Blue and Brown Water Vessels Medical Schools and resorts with marine exposures—especially in the Caribbean We’re especially interested in tough classes like container yards, port authorities, boat builders, and marine mechanical repair operations. Coverage Highlights and Advantages We offer customized solutions that address the unique exposures of marine-related businesses. Some of the key benefits include: Marine General Liability tailored to meet Port Authority requirements Worldwide Marine Cargo including FedEx, UPS, and DHL shipments Warehouse Legal Liability In-house pricing authority for faster turnaround New $5,000 minimum premium—competitive and accessible Property coverage placements, including Caribbean property You might have a client who operates a bulk aggregate terminal with international shipments or a small ship repair yard in a port city—these accounts are right in our wheelhouse. Underwriting Notes and Minimum Premiums We provide in-house underwriting for faster quotes and tailored solutions. Our marine insurance program is designed to simplify coverage while meeting the regulatory and operational needs of your insureds. The program starts with a minimum premium of $5,000, offering strong value for comprehensive marine protection. Territories and Availability This program is available in nearly all 50 states, including coastal regions and inland operations. We currently write business 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 With a global coverage perspective and experience in placing international risks, we can accommodate accounts with worldwide exposures. Why Work With VAIL and Capacity Marine? VAIL partners with Capacity Marine Corp. to deliver unmatched expertise in marine and international insurance. As a wholesale broker with specialized focus, we bring: Decades of experience in marine and logistics exposures Access to top-rated carriers and proprietary programs Responsive service and in-house underwriting The ability to handle both standard and hard-to-place accounts Let us help you write more marine business—faster and smarter. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for freight forwarders, terminal operators, stevedores, shipyards, container yards, marine contractors, and other marine-related businesses with domestic or international exposures. Is there a minimum premium requirement?Yes, our marine insurance program has a minimum premium of $5,000, offering competitive value for comprehensive coverage. Which states is the program available in?We can write marine business in nearly all U.S. states, including coastal and inland regions. The program is available in 48 states plus Washington D.C. Can you handle hard-to-place or international marine risks?Yes, we specialize in placing complex and international marine risks, including Caribbean property and global cargo exposures. What carriers do you use for this program?This program includes access to top-rated markets such as the Hanover Insurance Group, with in-house underwriting available for fast turnaround. 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.

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.

Enhanced Freight Brokers' Liability & Contingent Cargo Insurance Coverage Overview — Amwins National Transportation Underwriters The industry specialists at Amwins National Transportation Underwriters (part of Amwins Underwriting) offer a tailored Freight Brokers' Liability & Contingent Cargo program designed for brokers who need contingent protection when their contracted motor carriers are unable to respond. This program combines freight broker auto liability with contingent auto and contingent cargo, plus professional and general liability options to create a broad solution for broker exposures. Available Coverage Freight broker auto liability (no annual aggregate; provides defense outside the limits because it covers the insured's legal liability) Contingent auto liability Contingent cargo Professional liability (E&O) General liability (GL) Policy Limits Freight Brokers Up to $5,000,000 — Freight Broker Auto, GL Up to $1,000,000 — Professional (E&O) Up to $500,000 — Contingent Cargo Long-term Trailer Leasing $1,000,000 — Contingent Auto $100,000 — Off-Lease Physical Damage Ideal Accounts and Appetite This program is a strong fit for freight brokers, third-party logistics providers (3PLs), and broker-dealers who: Contract with small to mid-size carriers without maintaining large insurer controls on every motor carrier Need contingent coverage when a contracted trucker’s insurance is insufficient, unavailable or delayed Require combined protection for broker auto liability, contingent cargo, and professional liability Accounts that typically fit: established freight brokers with formal carrier vetting processes, 3PLs arranging freight across multiple modes, and entities that lease trailers long-term and need off-lease physical damage coverage. Coverage Highlights & Advantages Comprehensive product suite that combines freight broker auto liability with contingent auto and cargo—reducing coverage gaps when a carrier’s policy fails to respond. Freight broker auto liability written to provide defense outside the limits, supporting the insured’s legal defense costs when appropriate. National availability and underwriting that understands transportation-specific exposures. Flexible limits to accommodate a range of broker sizes and risk profiles. Underwriting Notes Amwins focuses on transportation expertise and underwriting discipline. Typical submission requirements include: Completed application and current loss runs Carrier vetting procedures, broker-carrier contracts, and examples of freight movements Details on any trailer leasing arrangements if seeking off-lease physical damage or contingent auto for leased equipment If you have unique structures or large account limits, discuss specifics with the underwriter since capabilities and binding authority vary by state. Territories & Admitted Status Availability: National. Amwins National Transportation Underwriters' capabilities and authority vary by state—see state-specific details and underwriter contacts using the resources below. Program availability includes the following states: 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. Note: This program is non-admitted in the states listed where admitted markets are not available; state-specific authority and market access can be reviewed on Amwins' capability map. Why Place This Business With Amwins Specialized transportation underwriting and experience placing complex broker and contingent exposures. Product structured to protect brokers from gaps that arise when a contracted motor carrier cannot meet a claim. Competitive capacity and flexible limits for freight broker auto, contingent cargo, E&O and GL—all in one program. Quick Examples You might have a client who is a mid-sized freight broker moving high-value retail freight across multiple states and needs contingent cargo protection in case a contracted carrier’s cargo limit is exhausted. Or a broker that leases trailers long-term and requires contingent auto and off-lease physical damage coverage for those assets. Both scenarios align well with this program. Amwins National Transportation Underwriters aims to combine market access with transportation expertise to give brokers a practical, single-source solution for contingent exposures. Click here to learn more about our program! Amwins National Transportation Underwriters' capabilities and authority vary by state. Click here to view an interactive map with state-specific underwriter contact information, binding authority and program markets, and coverages. Frequently Asked Questions What types of freight broker accounts are the best fit for this program?Mid-size to larger freight brokers and 3PLs that regularly contract with third-party motor carriers, have formal carrier vetting processes, and need contingent coverage for auto liability and cargo gaps are the best fit. Does this program include professional liability (E&O)?Yes. The program can include professional (E&O) coverage with limits up to $1,000,000 as part of the broader package. How does contingent cargo coverage work under this program?Contingent cargo provides protection for the broker when a contracted carrier’s cargo policy is unavailable or exhausted. Limits for contingent cargo are available up to $500,000 under this program. 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.