Search CompleteMarkets

...complexes, apartment hotels, and boarding or rooming houses. Designed for inde...r more units, apartment hotels, and boarding or rooming houses located in our available states. I...

...is designed for animal shelters, boarding and breeding kennels, pet stores, gr...deal accounts include pet groomers, boarding kennels, animal shelters, pet sto...

...hat operates both veterinary and boarding services, this program can provide p... veterinary services, pet groomers, boarding and daycare facilities, and nonpr...

...e schools (day schools and small boarding schools). Private colleges and uni...

...hat operates both veterinary and boarding services, this program can provide p... veterinary services, pet groomers, boarding and daycare facilities, and nonpr...

There are many different types of Common Interest Developments (CIDs) — homeowners associations (HOAs), condominium complexes, townhome communities, and Planned Unit Developments (PUDs). What they share is the need for specialized insurance that protects shared property, elected boards, managers, and volunteers while matching each association’s governance and operations. MGAlive offers a focused Common Interest Development Insurance Program built for agents and brokers who place HOA, condo, townhome, and PUD accounts. As a Program Administrator with access to multiple national carriers, MGAlive provides flexible placement options for both standard and non-standard exposures, faster turnaround through automated programs, and underwriting that understands community associations. Ideal Accounts and Appetite This program is a fit for community associations of many sizes and operating models, including: Homeowners Associations (HOAs) Condominium complexes Townhome communities Residential Planned Unit Developments (PUDs) MGAlive accommodates associations that are entirely volunteer-run as well as those that employ maintenance or administrative staff. Whether the client has no payroll, a small on-site crew, or multiple service contractors, the program can address core Workers’ Compensation and community liability needs. We also offer non-standard general liability markets for common association vendors and contractors — artisan contractors, janitorial services, garage keepers, in-home businesses, and handymen — which is useful when an association hires or contracts out maintenance and operations. Coverage Highlights and Advantages Key components of the CID Insurance Program include: "If-Any" Workers’ Compensation coverage for HOAs and condominiums with no payroll Standard Workers’ Compensation for associations with payroll Board member and volunteer liability protection at no additional cost Access to national markets for major lines including: Property General Liability Directors & Officers (D&O) Crime Umbrella Difference in Conditions (DIC) including earthquake and flood Underwriting Notes and Minimum Premiums Underwriting is guided by payroll, property values, claims history, and vendor exposures. For Workers’ Compensation, the program requires a minimum premium of $1,000 based on total payroll. Note that Workers’ Compensation is not available through this program in monopolistic states (North Dakota, Ohio, Washington, Wyoming); other lines of coverage may still be placed depending on market availability in those states. Territories and Availability This program is available in most states, including AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WI, WV, and DC. Availability may vary by line; contact MGAlive to confirm which coverages are available for a particular state or account. Why Work With MGAlive? MGAlive is a commercial insurance wholesaler and program administrator built by retailers for retailers. We specialize in HOA, condo, and PUD insurance and understand the urgency and complexity of placing community association risks. With multiple national markets and 14 fully automated online programs, MGAlive helps agents speed up turnaround times and simplify quoting and placement. We combine underwriting that’s experienced with community association operations, flexible options for volunteer-run or staffed associations, and access to non-standard general liability markets for vendor exposures. That combination makes it easier for you to place accounts that might otherwise be difficult to bind quickly. Example Accounts You have a volunteer-run HOA with common-area landscaping and a small reserves budget — place "If-Any" Workers’ Compensation to protect board members and volunteers while arranging property and liability limits appropriate for common areas. You work with a multi-building condominium association that employs maintenance staff and uses multiple outside contractors — place standard Workers’ Compensation, property, D&O, and vendor liability through MGAlive’s market access to create a cohesive program. Visit our company profile or learn more about this program. Frequently Asked Questions What types of accounts are a good fit for this program?HOAs, condominium complexes, townhome communities, and residential PUDs—especially those needing Workers’ Compensation or community-wide liability coverage—are ideal candidates. Can I place coverage for an HOA that doesn’t have any employees?Yes. Our program offers "If-Any" Workers’ Compensation for HOAs and condos with no payroll, and it includes protection for board members and volunteers at no extra cost. Are non-standard risks acceptable?Yes. We have market access for non-standard general liability risks such as artisan contractors, janitorial services, in-home businesses, and handymen—useful when associations hire outside help. Is this program available in my state?The program is available in most states. Workers’ Compensation is not available in monopolistic WC states (ND, OH, WA, WY); contact MGAlive to confirm availability for specific lines in your state. What is the minimum premium requirement?For Workers’ Compensation, the CID’s payroll must generate a minimum premium of $1,000. Minimums for other coverages vary by exposure and carrier. Need help placing an account? Connect with a market specialist.

Expertise. Solution. Service. Comprehensive Personal Liability Coverage Through MAXIMUM MAXIMUM offers a robust Comprehensive Personal Liability program designed to help agents place personal liability protection for a wide range of individual and entity exposures. As a wholesale broker with deep underwriting experience and nationwide market access, MAXIMUM provides flexible admitted solutions for owner-occupied and rental residential properties, vacant land, and high-net-worth individuals. Agents and brokers benefit from responsive service, focused underwriting, and carrier relationships across most admitted states. Ideal Accounts and Appetite This program fits many personal liability risks, including: Owners of 1–4 family dwellings, condo units, and mobile homes — owner-occupied or rented Tenants of multi-unit dwellings or mobile homes Secondary and seasonal residences, including short-term rental properties Dwellings under construction or renovation (when the applicant is not the general contractor) Vacant dwellings listed for sale or undergoing renovation Vacant land up to 250 acres Properties with swimming pools (subject to underwriting criteria) Entities such as trusts, LLCs, family partnerships, and estates held for personal investment The program accepts accounts with up to 15 locations and will consider risks with one liability loss under $10,000 in the prior three years. It is also positioned to support high-profile and high-net-worth individuals requiring tailored liability protection. Coverage Highlights and Advantages MAXIMUM’s Comprehensive Personal Liability program is structured to offer broad protection and practical features that help reduce placement friction for agents: Liability limits available up to $1 million Personal injury coverage included up to the full liability limit $5,000 medical payments included on all risks Defense costs paid outside the liability limit Dog liability included for most breeds (breed-specific restrictions may apply) Host liquor liability included where appropriate Third-party water damage coverage Pre- and post-judgment interest covered Unlimited additional insureds at no extra charge No policy deductibles Insureds also gain access to Business Solution Vendors offering HR services, identity-theft protection, tenant screening, and motor vehicle reports — practical risk-management additions that agents can offer their clients. Ineligibility and Underwriting Considerations To keep suitable risk profiles, the program excludes certain exposures, including: Farms and agricultural operations Applicants with felony convictions Houseboats and properties leased primarily for recreational use (e.g., hunting/fishing) Model homes, student housing, and subsidized housing Assisted living or group-home facilities (limited exceptions for single-occupancy apartments) Vacant land with docks Corporations engaged in non-residential investment activities Risks located in Alaska, Louisiana, or West Virginia Availability and specific terms vary by carrier and jurisdiction. Provide complete loss history and property details to speed underwriting and placement. Territories and Availability The program is offered on an admitted basis in most available states, including large markets such as CA, FL, TX, NY, IL, and GA. It is not available in AK, LA, or WV. MAXIMUM works with appointed agents in admitted markets and can discuss state-by-state placement options during submission. Why Work With MAXIMUM? MAXIMUM combines wholesale market access, technical underwriting, and high-touch broker service to help agents place challenging personal liability risks. We focus on practical solutions, quick responsiveness, and leveraging admitted markets to give clients regulatory advantages where possible. Whether you have a client with multiple seasonal rentals, a high-net-worth individual, or an entity holding residential investments, MAXIMUM can evaluate the account and propose tailored admitted options. We settle for nothing less than the best choices for our clients, and we put no limit on what we can do for your client's Comprehensive Personal Liability Insurance needs. Please reach out to us today by phone or email with any questions and to discuss how we can assist in this process. Frequently Asked Questions What types of accounts are a good fit for MAXIMUM’s Comprehensive Personal Liability program?This program is ideal for owners or tenants of residential properties (1–4 family dwellings, condos, mobile homes), vacant land, short-term rentals, and high-net-worth individuals. Trusts and LLCs used for personal investments are also eligible. Does the program cover properties with swimming pools or dogs?Yes. Most dog breeds are eligible and swimming pools can be insured, though certain high-risk pool features (unfenced pools, diving boards over 4 feet, waterslides) may be excluded or subject to additional underwriting. Can this program cover multiple properties under one policy?Yes. The program accepts up to 15 residential locations under a single account, making it suitable for clients with several investment or seasonal properties. Is this coverage available on an admitted basis?Yes. MAXIMUM offers admitted placements in most available states, which provides standard regulatory protections and often smoother handling for clients. What types of risks are not eligible for this program?Ineligible risks include farms, properties leased for recreational use, student housing, houseboats, assisted living facilities (except limited single-occupancy situations), and risks located in AK, LA, or WV. Need help placing an account? Connect with a market specialist.

...y corporations • Rooming houses, boarding houses, or student housing • Use of wood sto...

...ers and rescue organizations Boarding and breeding kennels Pet stores ...

Maritime Program Group (MPG) offers a specialized Boat Rental Insurance program for independent agents and brokers placing recreational rental risks. Through a strategic partnership with Markel American and in-house underwriting authority, MPG delivers faster quote turnaround and customized coverage solutions for the unique exposures of boat, PWC, and paddle craft rental operations. Ideal Accounts and Appetite MPG’s Boat Rental Insurance program targets a broad range of recreational watercraft rental businesses. Eligible classes include: Stand-Up Paddle Boards Sailboats Canoes and Kayaks Pedal Boats and Water Bikes Personal Watercraft (PWCs) Runabouts and Ski Boats Powerboats and Houseboats This program is a strong fit for businesses that rent to the public for short-term recreational use on lakes, rivers, and coastal waters. Whether your client operates a marina with a PWC fleet, a seasonal kayak concession, or a houseboat rental operation, MPG can help you structure coverage to match the operational profile. Coverage Highlights and Advantages MPG’s Boat Rental Insurance includes core coverages designed for rental operations’ property and liability exposures: Hull and trailer coverage Liability limits up to $1,000,000 Premises liability Optional water sport liability coverage Direct bill with flexible billing options Low minimum premium The program addresses both physical damage to watercraft and the liability risks that arise when equipment is rented to the public. Optional water-sport liability can be added when clients offer higher-risk activities. Underwriting Notes and Minimum Premiums MPG underwrites this program with delegated, in-house authority, which supports quick quoting and responsive policy handling. Minimum premiums vary by class and fleet size. Preferred risks typically have well-maintained equipment, documented safety procedures, use of rental agreements and waivers, and basic operator screening or instruction. Territories and Availability This program is available in all 50 states and the District of Columbia. MPG can underwrite accounts located on coastal waters, inland lakes and rivers, and seasonal vacation destinations, adapting terms to local operating conditions. Why Work With Maritime Program Group? As a specialty Managing General Agency focused on marine risks, Maritime Program Group combines deep sector experience with access to a financially strong carrier, Markel American. The in-house underwriting model means faster response times, tailored terms, and a partner that understands the day-to-day risks of rental operations. MPG offers agents straightforward placement options and support for quote submission and policy servicing. For more information on our Boat Rental Insurance contact us today! Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for recreational boat rental businesses, including operations renting paddle boards, kayaks, jet skis, powerboats, and houseboats. Which states is this program available in?Boat Rental Insurance from Maritime Program Group is available in all 50 states and Washington, DC. What are the liability limits offered?The program offers liability limits up to $1,000,000, with additional options depending on underwriting. Is water sport liability coverage included?Yes, water sport liability coverage is available as an optional add-on to meet the specific needs of rental operations. Does the program offer direct billing?Yes, direct billing with flexible payment options is available for added convenience. Need help placing an account? Connect with a market specialist.