Search CompleteMarkets

...roduct gives agents a market for boarding facilities, trainers, instructors, e...ch addresses a primary exposure for boarding and training operations. Are raci...

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

Directors and Officers Liability Insurance Program from First Choice Insurance Intermediaries, Inc. First Choice Insurance Intermediaries, Inc. offers a comprehensive Directors and Officers (D&O) Liability Insurance program tailored to address the evolving risks faced by executives and board members. As a wholesale broker with access to multiple carriers, First Choice provides insurance agents and brokers with a reliable market to place D&O coverage for privately held companies, publicly traded firms, and non-profit organizations. Ideal Accounts and Appetite This D&O program is designed for a broad range of businesses and organizations where leadership could be exposed to personal liability due to management decisions. Target classes include: Privately held and publicly traded companies Non-profit organizations and associations Educational institutions and healthcare entities Technology firms and financial services companies Accounts with a stable financial history and strong internal governance are typically a good fit. You might have a client who recently brought in new investors and needs D&O coverage to protect the board, or a growing non-profit where the board of directors is concerned about fiduciary responsibility exposures. Coverage Highlights and Advantages Directors and Officers Liability Insurance provides essential protection against claims arising from alleged wrongful acts committed by directors and officers in their capacity as leaders. Policies typically include: Insuring Agreement A (A-Side Coverage): Direct coverage for directors and officers when the company cannot indemnify them. Insuring Agreement B (B-Side Coverage): Reimbursement to the company when it indemnifies its directors and officers. Optional Entity Coverage: Protection for the corporation against securities-related claims, if applicable. Defense Costs: Covered for investigations, regulatory actions, and lawsuits. This program is structured to address both individual and corporate exposures, making it a strong solution for clients facing increasing scrutiny from shareholders, regulators, or the public. Underwriting Notes and Minimum Premiums First Choice works closely with agents to evaluate financials, loss history, and management practices. While minimum premiums are not listed, submissions should include full applications, financial statements, and claims history for best consideration. Non-admitted options provide greater underwriting flexibility for complex or higher-risk exposures. Territories and Availability This D&O insurance program is available on a non-admitted basis in the following states: AL, CA, CO, CT, DE, FL, GA, IL, IN, KS, LA, MD, MA, MI, MO, NV, NJ, NM, NY, NC, OH, OR, PA, SC, TN, TX, VA, WA, and WI. First Choice offers regional expertise backed by national market access. Why Work With First Choice Insurance Intermediaries, Inc.? As a trusted wholesale broker, First Choice Insurance Intermediaries, Inc. brings deep experience in D&O and executive liability lines. They offer responsive service, a diverse carrier network, and the underwriting insight agents need to place complex risks. Whether you're working with a startup or a mature company, First Choice can help you deliver tailored solutions that protect your clients’ leadership teams. Frequently Asked Questions What types of accounts are a good fit for this D&O program?This program is ideal for private and public companies, non-profits, and professional organizations with board-level exposures and a need for executive protection. Does this program offer entity coverage for securities claims?Yes, many policies available through First Choice offer optional entity coverage for securities-related claims, subject to underwriting approval. Is the coverage admitted or non-admitted?This program is written on a non-admitted basis, allowing for greater flexibility in underwriting and coverage customization. What underwriting information is needed to submit a risk?Typical submissions should include a completed D&O application, current financial statements, and a history of any past claims or litigation involving directors or officers. In which states is this program available?This program is available in 30 states, including CA, FL, NY, TX, IL, and others. See the full list above for complete availability. Need help placing an account? Connect with a market specialist.

...orse owners, riding instructors, boarding and training facilities, breeders, a...ccounts include equestrian centers, boarding and breeding farms, outfitters an...

NEW, EXCLUSIVE Private D&O, Employment Practices, Fiduciary Program Coverage Options Available Directors and Officers and Entity Liability Insurance Employment Practices Liability Insurance Fiduciary Liability Insurance Comprehensive Management Liability Coverage From U.S. Risk U.S. Risk Insurance Group, Inc. offers an exclusive national program tailored for private companies seeking Directors and Officers (D&O), Employment Practices Liability Insurance (EPLI), and Fiduciary Liability protection. Designed for small to mid-sized private entities, this program helps address critical exposures that threaten leadership and operational stability—whether through litigation, regulatory scrutiny, or employment-related claims. Ideal Accounts and Program Appetite This program is best suited for financially stable private companies with: Total assets up to $100 million Up to 1,000 employees Minimum 3 years in business Strong HR and compliance practices Sound business models and solvency You might have a client who recently grew to 350 employees and is now navigating expanded fiduciary exposure or a family-owned manufacturer seeking protection for its board and officers. These are ideal candidates for this program. Coverage Highlights and Advantages Exclusive, nationwide program (including CA) Limits up to $5 million with shared or combined aggregate options Full Prior Acts coverage available in most cases Duty-to-defend policy form Third-party EPLI coverage included Worldwide coverage for acts occurring anywhere—claims must be brought in the U.S. or Canada Full Severability of Application and Fraud/Personal Profit exclusions Separate or combined limit structures available Spousal/Domestic Partner extension included Broad “Claim” definition including: Monetary and non-monetary relief Judicial, civil, administrative, and criminal proceedings Requests to toll the statute of limitations Broad “Loss” definition including punitive and exemplary damages (where insurable by law) Order of Payments provision Bilateral extended reporting periods: 1-, 2-, and 3-year options Optional coverages: Full worldwide territorial coverage Cyber-crisis management cost coverage Modified defense outside the limits available for select classes Underwriting Parameters and Minimum Premiums U.S. Risk evaluates each risk individually but maintains a flexible underwriting approach for qualifying private companies. The program offers low minimum premiums and competitive pricing structures, making it accessible for smaller firms with growing exposures. Territories and Carrier Access Available in most states across the U.S., including CA, TX, FL, NY, and many others. U.S. Risk works with a variety of carriers to provide broad market access and responsive solutions. Most markets are admitted, depending on the state and class of business. Why Partner With U.S. Risk As a national program administrator, U.S. Risk brings deep expertise in management liability lines and a commitment to agent success. With exclusive access to markets, tailored underwriting, and fast turnaround times, U.S. Risk is a trusted partner for agents placing private D&O, EPLI, and fiduciary risks. Frequently Asked Questions What types of accounts are a good fit for this program?Privately held companies with up to $100 million in assets and 1,000 employees, operating for at least 3 years and demonstrating strong HR practices, are ideal. Can I write D&O, EPLI, and Fiduciary coverage on a single policy?Yes, this program offers combined or separate limits for D&O, EPLI, and Fiduciary Liability, depending on the needs of your client. Is this program available in all states?The program is available in most U.S. states, including California, Texas, Florida, and New York. Contact U.S. Risk for specific state availability. Are there options for extended reporting periods?Yes, 1-, 2-, and 3-year bilateral extended reporting period (ERP) options are available to accommodate clients’ needs after policy expiration. What makes U.S. Risk’s program different from others?This is an exclusive national program with broad coverage terms, low minimum premiums, and access to multiple carriers—backed by U.S. Risk’s underwriting expertise. Need help placing an account? Connect with a market specialist.

Workers Compensation Insurance for manufacturing operations can be especially complex. Electrical equipment manufacturers face unique risks tied to specialized processes, energized work, assembly and testing activities, and potentially costly claims. Novatae Risk Group offers a tailored Electrical Equipment Manufacturer Workers Compensation Insurance program developed in partnership with Empire to address those industry challenges and give agents a reliable market for these accounts. Whether you are moving an existing client to a new carrier or targeting new manufacturing business, Novatae’s program provides a focused option for electrical equipment manufacturers. Our underwriting team and brokers will evaluate accounts for fit within the program’s appetite and structure — helping you place business efficiently. Please contact us at 800-758-8113 to speak with our experienced brokers about your Electrical Equipment Manufacturer Workers Compensation Insurance accounts. Ideal Accounts and Appetite Manufacturers of electrical components and devices Operations involving assembly, fabrication, and testing of electrical equipment Accounts with documented safety programs and moderate-to-good loss histories Typical fits include clients that manufacture circuit boards, transformers, control panels, switchgear, or related electrical assemblies. We will consider accounts with a history of larger losses when accompanied by loss explanations, remediation plans, and strong safety documentation. Example scenarios agents commonly place through this program: A mid-sized control panel fabricator with a formal safety program, lockout/tagout procedures, and three years of stable loss runs. A contract electronics assembler that conducts final testing and calibration on finished boards, with documented training and low frequency of claims. Program Features Only $7,500 Minimum Premium Program Highlights 10% commission for appointed agents Fast quote turnaround with completed submissions Access to multiple markets through Novatae’s carrier relationships Coverage available in over 20 states Submission Requirements ACORD 130 application Three years of currently valued loss runs Completed supplemental questionnaire Details on any large or unusual losses States and Availability Coverage is currently available in the following states: AL, AK, AZ, AR, CA, CO, CT, FL, GA, IL, KY, LA, MS, MO, NV, NJ, NM, NY, NC, PA, SC, TN, TX, UT, VA, WV. Admitted and non-admitted options are available depending on the market and state. Why Work With Novatae Risk Group Novatae Risk Group is a Managing General Underwriter and Excess & Surplus Lines Broker with deep expertise in niche and hard-to-place manufacturing risks. We combine underwriter responsiveness, targeted appetite, and broad carrier access to help you close more workers compensation placements for electrical equipment manufacturers. Our team can guide submission requirements, advise on loss control documentation, and move accounts quickly when fit is confirmed. Do you need a Workers Compensation Insurance Quote for your Electrical Equipment Manufacturer? Send an email to [email protected] with your coverage needs or call 800-758-8113 to speak to an underwriter immediately. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include manufacturers of electrical components, control systems, panels, and other electrical equipment with stable operations and a moderate-to-good loss history. What is the minimum premium for this Workers Compensation program?The minimum premium starts at $7,500, making the program suitable for mid-sized operations and larger manufacturers. Which states is this program available in?This program is available in over 20 states, including CA, TX, FL, NY, and IL, among others listed above. What documents are needed to submit an account?Submissions should include an ACORD 130, three years of currently valued loss runs, a completed supplemental questionnaire, and details on any large or unusual losses. How quickly can I expect a quote?Quotes are typically provided quickly once a complete submission is received, thanks to Novatae’s efficient underwriting team. Need help placing an account? Connect with a market specialist.

Policy Highlights: Colonial General Insurance Agency, Inc. offers a flexible, comprehensive Community Association Insurance program for well-established associations with completed development or construction. The program is designed for agents and brokers placing package or mono-line property and liability coverage for associations that manage residential communities. Eligible risks include: Homeowners associations (HOAs) for single-family homes Townhouse / townhome associations Residential condominium associations Time-share condominium associations Cooperative housing corporations Whether your client runs a suburban HOA, a gated townhome community, or a well-managed time-share complex, Colonial General provides modular coverage options to address the exposures these communities face. Coverage Highlights and Advantages Property coverage options Accounts receivable Basic, broad, or special form Building and contents Business income Computer equipment Equipment breakdown Inland marine Outside signs Valuable papers Replacement cost or actual cash value General liability coverage Primary limits up to $3 million occurrence/aggregate $5,000 medical payments coverage included Additional interests included at no charge Hired and non-owned auto available Excess/umbrella limits up to $25 million No deductible required (per policy terms) Crime coverage options Inside the premises — theft of money and securities Inside the premises — robbery or safe burglary of other property Outside the premises Ideal Accounts and Appetite This program works best for community associations that are fully developed and operational — active construction or new development is not eligible. Preferred accounts have: Stable financial histories and established reserves Active board governance and documented risk management practices Routine maintenance programs for common areas and building systems Accounts with recent or significant claims, ongoing construction exposure, or locations in extreme catastrophe zones may require additional review and could be declined or placed in surplus markets. Example fits for the program: A gated townhome community seeking to consolidate building and general liability coverages into a single package. A mid-rise condominium association that needs replacement-cost property coverage, business income, and an umbrella for director/officer liability exposures (placed separately as needed). Underwriting Notes and Market Access Colonial General operates as a Managing General Agency and Excess & Surplus Lines broker, providing access to a range of admitted and non-admitted carriers depending on the risk profile. Underwriting is consultative and structured to match coverage options to the association’s exposures. Key considerations include the association’s financials, claims history, maintenance records, and governing documents. Territory and Availability This program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Colonial General can place eligible risks in admitted markets where available; surplus markets are used when necessary. Why Work With Colonial General? Colonial General brings decades of regional experience serving the Western U.S. Their Community Association Insurance program emphasizes flexible policy structures, broad market access, and hands-on underwriting support for agents and brokers. If you need to place a single association or a small portfolio of HOAs and condos, Colonial General can help you identify appropriate admitted or E&S carriers and streamline placement. Frequently Asked Questions What types of accounts are a good fit for this program?Established homeowner associations, townhome associations, residential and time-share condominium associations, and cooperative housing corporations with completed development and active management. Are mono-line policies available?Yes. Both mono-line property or liability policies and package policies can be placed depending on the insured’s needs. Is this program available on an admitted basis?Some admitted markets are available; eligibility depends on the specific risk and location. Colonial General also places business in surplus lines when appropriate. What states is the Community Association Insurance program offered in?The program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. What limits are available under the general liability coverage?Primary liability limits up to $3 million per occurrence/aggregate are available, with excess or umbrella limits up to $25 million. Need help placing an account? Connect with a market specialist.

Overview of the Program from Amwins Underwriting APU's AmeriComp workers’ compensation program through Amwins Underwriting provides access to multiple admitted markets with a broad class-code appetite. The program offers both direct access and binding authority for its carrier partners, allowing wholesale brokers and agents to place mono-line workers' compensation accounts across a wide range of industries and risk levels. Ideal Accounts and Appetite This program is designed for independent agents and brokers looking to place employer-paid workers’ compensation for clients that range from low- to high-hazard operations. Target classes include: Manufacturing Hospitality Transportation Construction Wholesale Healthcare Retail Service Cannabis AmeriComp is set up to handle standard risks as well as harder-to-place accounts such as new ventures, accounts with recent loss activity (credit to debit experience modification scenarios), and businesses seeking either guaranteed-cost or loss-sensitive programs. USL&H (United States Longshore and Harbor Workers) coverage is available where appropriate. Coverage Highlights and Advantages Broad admitted-market access—several admitted carriers participate in the AmeriComp WC program. Binding authority and direct placement options speed turnaround and reduce placement friction. Support for both guaranteed-cost and loss-sensitive program structures. Ability to consider accounts with credit-to-debit experience modification scenarios and new ventures. Industry breadth from retail and service to higher-hazard manufacturing and construction accounts. USL&H available for applicable exposures. Underwriting Notes and Submission Requirements To evaluate submissions quickly and accurately, underwriters typically request the following: Completed industry standard workers’ compensation application. Loss runs for the past 3–5 years. Experience modification worksheet or verification of the current EMR. Minimum premium varies by state; pricing and program options will be quoted based on class mix, payroll, loss history, and state jurisdiction. Please do not include payroll or premium estimates on incomplete applications—attach the requested loss runs and EMR to help expedite underwriting. Territories and Admitted Status The AmeriComp program partners with admitted carriers and is available across all states listed on this storefront, with admitted placements available in most territories. Availability and specific carrier appetite may vary by state and line size; please reference the state list when preparing submissions and confirm availability for your insured’s jurisdiction. Why Work with Amwins Underwriting on This Business Amwins Underwriting combines wholesale distribution experience with program-level access to admitted carriers and binding authority—giving agents a single point of contact for a wide range of classes and program structures. The firm’s underwriting flexibility makes AmeriComp a practical solution when you need admitted paper, faster binding, or creative structuring for clients that fall outside a standard appetite. Example placement scenarios You have a regional restaurant group expanding into a new state with multiple locations and typical hospitality class codes — AmeriComp can provide admitted carriers and options for guaranteed-cost or loss-sensitive arrangements. You represent a small manufacturing facility with a recent unfavorable loss year but stable safety controls; the program will consider credit-to-debit EMR situations and new-venture submissions with appropriate supporting documentation. To submit business, please send complete packages (application, 3–5 years loss runs, EMR) to: [email protected]. If you need clarification on state availability or program fit before submitting, include a brief risk summary in your email. Frequently Asked Questions What types of accounts are a good fit for the AmeriComp mono-line workers’ compensation program?Accounts across manufacturing, hospitality, transportation, construction, wholesale, healthcare, retail, service, and cannabis are primary targets. The program also considers new ventures and accounts with credit-to-debit experience modification issues. What documents should I include with a submission?Include a completed industry-standard workers’ compensation application, 3–5 years of loss runs, and the experience modification worksheet or verification. More complete submissions help speed underwriting and placement. Is this program admitted or non-admitted paper?AmeriComp partners with several admitted carriers and places admitted paper in most jurisdictions. Specific carrier availability and admitted options depend on state and account characteristics. Are loss-sensitive programs available?Yes. The program supports both guaranteed-cost and loss-sensitive programs, and underwriters can evaluate alternative structures for larger or more complex accounts. How do I submit a risk or get a preliminary fit check?Email a brief risk summary and the required documents to [email protected]. For fast pre-submission feedback, include class mix, payroll, current EMR, and a short loss history overview. Need help placing an account? Connect with a market specialist.