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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.

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.

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.

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.

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.

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.

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.

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.

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.