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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.

Protecting the American Dream is our specialty. Midlands provides tailored, comprehensive insurance solutions for small and mid-sized businesses. This flexible Business Owners Commercial Package Policy lets you mix and match coverages so your clients get a package that meets their unique operations and exposures. Let Midlands’ underwriting team evaluate the risk and deliver a prompt, market-informed quote. Coverage Available: • Commercial auto • General liability • Umbrella/excess • Property • Inland marine • Workers compensation • Liquor liability • More based on type of risk *Please note that coverage is subject to policy terms, conditions, exclusions, underwriting review and approval and may not be available for all risks or in all states. Rates, discounts and underwriting rules vary, are determined by many factors and are subject to change. Program Highlights: • Low minimum premiums • Competitive commissions • New class codes continuously added • Ability to build customized programs to match unique risks and coverage needs • Admitted and non-admitted paper available • Prompt quotes • Superior claims handling, service and benefits coordination • Direct access to a skilled underwriting team with decades of combined experience The Midlands Business Owners Commercial Package Policy is convenient to place and supports more than 600 classes of business. We maintain a broad appetite that includes — but is not limited to — the examples listed below. • Private Schools • Landscaping • Investment Advisors • Health Clubs • Agriculture • Child Care • Gyms • Nonprofits • Charter School • Farm/Ranch • Wholesalers • Distributors • Light Manufacturing • Youth Camps • Day Care Centers • Yoga Studio • Preschools • Asset Managers • Recreation Centers • Museums • Fishing/ Hunting Lodge • Pest Control • Charter Schools • Colleges • Emergency Medical Transportation • Non-emergency Medical Transportation • Trade Schools • Dance Schools • Human Services • Boys & Girls Clubs • Equine Risks • Food Banks • Sports Camps/Clinics • Counseling Services • Show Animal Clubs • Retail • Carpet Cleaning • Fence Installation • Bakery • Electrician • Healthcare • Convenience Store • Barber Shop • Cafe • Clerical • Carpentry • Grocery • Sandwich Shop • Landscaping • Ice Cream/Yogurt Shop • Restaurant • Dentist • Bicycle Shop • Florist • Optometrist • Accountant • Hair Salon • Wholesale • Distribution • Chiropractors • Candy Store • Consulting Firm • Photographers • Doctors • Title Agents • Tailor • Shoe Repair • Physical Therapist • Book Store • Insurance Agents • Orthodontists • Beauty Supply • Interior Decorators • Jewelry Repair • Engravers Your clients have worked hard to build their businesses. Midlands’ Business Owners Commercial Package Policy is designed to exceed expectations and safeguard your clients’ livelihoods. Contact us today for a quote. Ideal Accounts and Appetite Midlands is focused on small to mid-sized commercial risks that need a flexible package solution. This program works well for owner-operated businesses, professional service firms, light manufacturing, retail and food service, childcare and educational operations, nonprofits, and selected habitational and recreational exposures. Accounts with straightforward operations, well-documented loss control, and reasonable payroll/revenue levels are a strong fit. Examples you may see as an agent: A neighborhood bakery with property, general liability and commercial auto exposures looking for an admitted package. A small landscaping company that needs property, inland marine for equipment, and workers’ compensation on a non-admitted placement. Coverage Highlights and Advantages Package flexibility — combine property, liability, auto, workers’ compensation and ancillary coverages to create a tailored program. Access to admitted and non-admitted markets depending on state and risk characteristics. Direct underwriting access — quick responses and the ability to negotiate tailored terms for unique risks. Broad class code appetite with new classes added regularly to meet evolving agent needs. Coordinated claims support and benefits handling to help your insureds return to business faster after a loss. Underwriting Notes and Minimum Premiums Underwriting review and approval apply. Coverage availability and pricing depend on class code, limits, loss history, exposure details and state regulations. Minimum premiums vary by carrier and state — please note the program’s minimum premium guidance is listed as: Varies. For unusual exposures, large limits, or operations with significant loss activity, submit full details for evaluation. Territories and Availability This program is available in the following jurisdictions: AL, AZ, AR, CA, CO, CT, DE, FL, GA, 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. Placement options include admitted and non-admitted paper depending on state and carrier appetite; Midlands works across most available markets to find the right fit. Why Work With Midlands Management Corp on This Business Managing General Agency and carrier relationships with multiple markets to maximize placement options. Experienced underwriting team that offers practical, solution-oriented guidance to agents. Competitive commissions and low minimum premium options where available. Prompt quoting and responsive service to keep your submission pipeline moving. Frequently Asked Questions What types of accounts are a good fit for the Midlands Business Owners (BOP) Commercial Package Policy?Small to mid-sized owner-operated businesses such as retail shops, restaurants, light manufacturers, professional services, childcare and community organizations—especially accounts that need a flexible combination of property, liability, auto and workers’ comp coverages. Are admitted and non-admitted placements available?Yes. Midlands places paper on both admitted and non-admitted bases depending on the state, class, and risk characteristics. Underwriters can advise on the best route for each account. What information should I include on submission to get a fast response?Provide a signed application, current loss runs (typically three to five years), revenue/payroll exposure details, and descriptions of operations and risk control measures. For accounts with vehicles or employees, include auto schedules and payroll breakdowns. 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.