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Club Insurance Allstar Financial Group, through its Allstar Underwriters division, offers a Club Insurance program tailored for agents and brokers placing club and hospitality risks. With access to multiple carriers and streamlined underwriting, the program helps you quickly quote and bind coverage for small to mid-sized nightclubs, bars, private clubs, and similar venues. Whether your insured operates a nightclub, bar, social club, or private event venue, Allstar’s Club Insurance program provides a full range of property, casualty, liquor liability, and umbrella solutions. The program is available in AL, GA, LA, MS, NC, SC, TN, and VA, and most coverages are offered on a non-admitted basis. Ideal Accounts and Appetite Allstar targets a broad set of commercial risks that align with club operations and their common exposures, including: Nightclubs and dance venues Private and membership-only clubs Bars and lounges (with or without entertainment) Event venues and mixed-use hospitality spaces Beyond traditional clubs, the program can accommodate select contractors, retail and wholesale tenants, habitational properties, offices, vacant buildings, and institutional facilities depending on the coverage line and risk characteristics. Coverage Highlights and Advantages Property Coverage Total Insured Value (TIV) up to $5 million per location Available as monoline or packaged coverage No coinsurance options where appropriate (subject to underwriting) Optional enhancements such as equipment breakdown Casualty Coverage Monoline or packaged options Minimum premium starting at $500 Primary limits up to $5 million per occurrence/aggregate Project-specific policies available Coverage for uninsured subcontractors Optional enhancements include: Blanket Additional Insureds Waiver of Subrogation Primary & Non-Contributory wording Per Project / Per Location Aggregate Hired & Non-Owned Auto (for certain classes) Miscellaneous Professional (for certain classes) Liquor Liability Limits from $100K/$100K up to $1M/$2M Available as monoline or part of a package Assault & Battery coverage follows the general liability form Offered in NC, SC, GA, TN, and VA Umbrella Coverage Limits up to $5 million Minimum premium starting at $750 Available on both supported and unsupported bases Underlying carrier requirements: A-VI or better for Auto/GL; B++ or better for Employers Liability Required GL underlying limits typically $1M/$2M/$2M Underwriting Notes and Minimum Premiums Allstar focuses on flexible, efficient handling of small to mid-sized accounts. Minimum premiums vary by line and risk; casualty coverage minimums start around $500 and umbrella minimums around $750. Underwriters work with agents to determine eligibility, available enhancements, and any state-specific considerations. Territories and Availability The Club Insurance program is offered in the following states: Alabama (AL) Georgia (GA) Louisiana (LA) Mississippi (MS) North Carolina (NC) South Carolina (SC) Tennessee (TN) Virginia (VA) Most coverages are placed non-admitted with carriers rated A- or better. Why Work With Allstar Financial Group? As a Managing General Underwriter and Excess & Surplus Lines Broker, Allstar combines underwriting expertise with broad market access. The Club Insurance program is backed by multiple carriers and built for quick quoting, flexible terms, and practical endorsements that meet common hospitality exposures. You might have a client who runs a busy nightclub that needs liquor liability with assault & battery and an umbrella layer, or a private club seeking a packaged policy that includes property, general liability, and optional equipment breakdown. Allstar’s small business underwriting team is available to help structure terms and move business efficiently. Need help placing an account? Connect with a market specialist.

Weather Cancellation Insurance J.M. Wilson offers Weather Cancellation Insurance to help protect businesses, event sponsors, and organizers from the financial risks associated with event disruptions due to adverse weather. This coverage is ideal for clients with a financial stake in outdoor or weather-sensitive events that could be impacted by rain, snow, high winds, or lightning. Ideal Accounts and Appetite Event organizers, sponsors, and vendors who may experience revenue loss due to poor attendance from bad weather. Advertising agencies, PR firms, and film production companies that depend on clear weather for filming or scheduled activities. Coverage Highlights and Considerations Coverage can be tailored to a variety of weather perils such as: Rain Snow Wind Lightning Key underwriting considerations include: Event location Date and time of the event Hours of coverage requested Limits are typically based on: Fixed expenses Projected revenues Anticipated profits Sample Events That May Be Covered Air Shows Sporting Events Fairs and Festivals Fundraisers Parades Concerts Amusement Parks Corporate Outings Photo and Film Shoots Press Parties Retail Promotional Events Car Dealership Events Furniture Store Promotions Jewelry Store Sales Underwriting Notes and Minimum Premiums Minimum premiums vary by event type, location, time of year, and coverage limits requested. J.M. Wilson works with a variety of carrier partners to place coverage that meets your client's needs. Some markets may offer admitted coverage depending on jurisdiction and event details. Territories and Availability Weather Cancellation Insurance is available through J.M. Wilson in the following states: AL, AR, FL, GA, IL, IN, IA, KS, KY, MI, MS, MO, NE, NC, OH, PA, SC, TN, VA, WV, and WI. Why Work With J.M. Wilson? As a Managing General Agency and Excess & Surplus Lines Broker, J.M. Wilson brings deep expertise in specialty event coverages. We work closely with retail agents to design tailored solutions that protect your clients’ investments against unpredictable weather losses. With access to multiple markets and flexible underwriting, we help you find the right fit quickly and efficiently. Related Resources: JM Wilson's Blog - The Intersection: What's The Forecast? Weather Insurance: What You And Your Client Need To Know Did You Know? In 2014, for the first time in 34 years, the Taste of Chicago was closed due to bad weather? Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include event organizers, sponsors, media producers, and retailers hosting outdoor promotions that could be impacted by inclement weather. What weather events are typically covered?Coverage can include rain, snow, wind, or lightning, depending on the nature of the event and underwriting terms. Is this program available in all states?No, it is currently offered in select states including AL, FL, GA, IL, IN, MI, NC, OH, PA, SC, TN, VA, and others. Are there minimum premium requirements?Yes, minimum premiums vary based on event factors such as location, date, and coverage limits. Contact J.M. Wilson for details. Can this coverage be admitted or non-admitted?Some markets offer admitted options, but availability depends on the state and event characteristics. Need help placing an account? Connect with a market specialist.

Customized Insurance Solutions for Nursing Home Facilities At XINSURANCE, powered by Evolution Insurance Brokers, Prime Insurance Company offers a specialized program to address the unique risks and regulatory challenges faced by nursing home and long-term care operators. This Nursing Home Facilities program is built for agents and brokers who need a flexible, non-admitted option for hard-to-place or higher-exposure accounts. You’ll have direct access to underwriting, 24/7 claims support, and a client-first approach to tailor solutions for healthcare operations of all sizes. Ideal Accounts and Appetite We focus on non-standard or hard-to-place risks, including facilities with prior loss activity, elevated liability exposures, or specialized operations. The Nursing Home Facilities program fits: • Skilled nursing facilities • Long-term care operations • Assisted living with complex care needs • Facilities that host special events or provide resident transportation You might have a client operating multiple locations, offering memory care, or running on-site therapy and activities—this program is designed to address those evolving exposures. Coverage Highlights and Advantages This program provides broad, customizable coverage options so you can tailor terms to the account rather than forcing the client into narrow standard market forms. Coverages Can Include: • Special Events • Commercial General Liability • Property Coverage • Commercial Auto (available in most states) *Not available in NY • Individual Liability • Alleged Sexual Abuse • Alleged Molestation Liability • Alleged Assault and Battery Liability • Professional Liability • Directors and Officers Liability Program Highlights: • Premium financing available • Flexible limits, customized premiums, and modular coverages • Risk management resources and loss-control support • All-in-one policy solutions where practical • Direct market access to underwriting decision-makers • Responsive, healthcare-focused underwriting • 24/7 claims reporting and handling Underwriting Notes and Minimum Premiums Underwriters evaluate accounts on operations, claims history, staffing ratios, regulatory compliance, and risk controls. There is no fixed minimum premium listed here; pricing is determined by the account’s size, exposures, and desired limits. Accounts of varying sizes are welcome for review—bring details on prior claims, staffing, and risk management programs to speed placement. Territories and Availability The Nursing Home Facilities program is available in all 50 states and Washington, D.C., with the exception that commercial auto coverage is not offered in New York. As a non-admitted solution placed through an excess & surplus lines broker, this program is a fit when standard admitted markets are unavailable or restrictive. Why Work With Prime Insurance Company and XINSURANCE Prime Insurance Company, delivered through the XINSURANCE platform, combines direct access to underwriting with in-house claims expertise and a willingness to consider tough or unique accounts. For agents and brokers, that translates into practical options for placing complex healthcare facilities, faster decisions, and a partner that understands long-term care exposures. Whether the account is a new facility, a multi-location operator, or a client with prior losses, this program helps you find flexible, market-driven solutions. *Please Note: XINSURANCE is powered by Evolution Insurance Brokers, LC (“EIB”), an excess and surplus line insurance brokerage. XINSURANCE is a DBA of EIB, which is domiciled in and has its principal place of business in Sandy, Utah. This insurance product is offered by an unlicensed surplus lines insurer. The licensed brokers for EIB are: Rick J. Lindsey (except in CA) (NPN 91653) & Mike Fennell (Only CA) (NPN 1435429) Frequently Asked Questions What types of accounts are a good fit for this Nursing Home Facilities program?This program targets skilled nursing facilities, long-term care operations, and assisted living centers—especially those with elevated risks, prior claims, or specialized services such as memory care or on-site therapy. Can I customize coverage options for my client?Yes. Limits, endorsements, and coverage modules can be tailored to the client’s operations and exposures to create a more complete placement than many standard markets allow. Is this program available in all states?Yes. The program is available in all 50 states plus D.C., although commercial auto coverage is not available in New York. What makes this program different from standard admitted markets?Placed as a non-admitted solution through an excess & surplus lines broker, this program offers broader underwriting flexibility and coverage options for hard-to-place or higher-exposure healthcare facilities. How do I get started with a quote?Contact the underwriting team through the company profile or storefront page and provide account details—including operations description, prior claims history, payroll, and resident counts—to request a customized quote. Need help placing an account? Connect with a market specialist.

Policy Highlights: Colonial General Insurance Agency, Inc. offers Accountants Professional Liability Insurance tailored to meet the needs of accounting professionals and firms of all sizes. Overview of the Program From Colonial General Colonial General is a trusted Managing General Agency and Excess & Surplus Lines Broker with access to a variety of carriers, providing flexible solutions for accountants' professional liability exposures. This program is designed to help independent agents place coverage for accounting firms facing risks related to errors, omissions, or negligence in the performance of professional services. Whether your client is a sole practitioner or a mid-sized accounting firm, Colonial General can help you find the right fit. Ideal Accounts and Appetite This program is suited for a broad range of accounting professionals, including: Certified Public Accountants (CPAs) Bookkeepers and tax preparers Small to mid-sized accounting firms Firms providing audit, consulting, or advisory services Accounts with a clean loss history and a focus on traditional accounting services are typically a strong fit. Higher-risk exposures such as forensic accounting or investment advisory services may require additional underwriting. Coverage Highlights and Advantages Colonial General’s Accountants Professional Insurance program provides protection against claims alleging negligence, errors, or omissions in the delivery of professional accounting services. Key features include: Limits available starting at $100,000/$300,000 Various deductible options to suit different risk appetites First Dollar Defense available depending on carrier approval Claims Expense Outside the Limits may be offered based on carrier discretion Coverage terms and premiums will vary depending on the carrier and specific risk profile of the insured. Underwriting Notes and Minimum Premiums Each submission is underwritten based on the size, scope, and services of the accounting firm. Clean operations with clearly defined service offerings and low claims frequency are typically easier to place. While minimum premiums are not specified, competitive pricing is available for qualifying risks through Colonial General’s carrier network. Territories and Availability This program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Colonial General has access to both admitted and non-admitted markets, depending on the specific risk and jurisdiction. Why Work With Colonial General With deep expertise in professional liability and access to a variety of national and regional carriers, Colonial General provides agents with responsive service and flexible options for placing hard-to-place or niche accounting risks. Their team understands the unique exposures faced by today’s accounting professionals and works closely with agents to deliver tailored coverage solutions. Learn more about Colonial General Insurance Agency, Inc. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for CPAs, bookkeeping firms, tax preparers, and small to mid-sized accounting firms providing traditional accounting services. Are First Dollar Defense and Claims Expense Outside the Limits included?These features may be available depending on the carrier and underwriting review. Availability is determined on a case-by-case basis. Can this program cover firms with prior claims?Firms with prior claims may still be eligible, but underwriting will evaluate the severity, frequency, and nature of past claims before making a decision. In which states is this program available?Coverage is available in AZ, CA, CO, ID, NV, NM, UT, and WY. What documentation is needed to submit an account?Typically, an application, firm brochure or website, and loss runs (if applicable) are required. Additional documents may be requested based on the submission. Need help placing an account? Connect with a market specialist.

Gun ownership carries significant responsibilities, and standard homeowners or personal liability policies can leave coverage gaps—especially for individuals who carry concealed firearms. Prime Insurance Company offers a focused solution with its Firearms & Concealed Carry Insurance Program. Built for responsible gun owners, this program fills common exclusions and helps protect clients’ assets and legal defense needs arising from firearms-related incidents. Overview of the Program from Prime Insurance Company Prime Insurance Company provides a targeted market for agents seeking specialty liability solutions. The Firearms & Concealed Carry Insurance program is designed for insureds who carry legally or own firearms and need protection not typically provided by standard personal policies. Prime underwrites in-house and offers flexible, case-by-case terms so you can place accounts that other markets may decline or limit. Ideal Accounts and Appetite This program is best suited for: Individuals with concealed carry permits Gun owners seeking excess liability or tailored firearms liability Clients concerned about stolen firearms being used in crimes Insureds who want legal defense support for self-defense incidents Example accounts you can place: a lawfully armed private citizen who carries for personal protection and wants defense-cost coverage for a self-defense incident; or a collector concerned about liability if a stolen firearm is later used in a crime. Coverage Highlights and Advantages Prime’s program fills key exposure gaps with focused coverages agents can offer their clients: Firearms Liability — covers liability arising from open and concealed carry Legal liability for accidental discharge Bond payment assistance Income interruption coverage to help with lost wages during legal defense Legal defense is provided until a court of competent jurisdiction enters a finding of guilt; coverage ceases at that point. Underwriting Notes and Minimum Premiums Prime underwrites these risks on a flexible, case-by-case basis. Underwriting focuses on the insured’s permit status, firearm storage and transfer practices, prior incidents, and overall risk profile. Minimum premium requirements can vary by account characteristics; expect competitive pricing and responsive underwriting throughout the submission and quoting process. Territories and Availability This program is available in all 50 states and the District of Columbia, including 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, and WY. No matter where your client resides, Prime can help you place this coverage. Why Work with Prime Insurance Company As a direct carrier with niche expertise in specialty liability, Prime Insurance Company offers solutions many standard markets will not. Agents benefit from Prime’s in-house underwriting, program flexibility, and quick turnaround—helping you place hard-to-insure accounts with confidence. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for individuals with concealed carry permits or gun owners seeking additional liability protection beyond their standard personal insurance. What coverages are included in the Firearms & Concealed Carry Insurance?The program includes firearms liability (open and concealed carry), accidental discharge legal liability, bond payment assistance, and income interruption coverage. Is legal defense provided under this policy?Yes. Legal defense is covered until a court of competent jurisdiction enters a finding of guilt, at which point coverage for legal defense ends. Is this program available in all states?Yes. Prime offers this program in all 50 states and the District of Columbia. Does Prime Insurance Company underwrite directly?Yes. Prime is a direct carrier and provides in-house underwriting, enabling customized solutions and faster decisions. Need help placing an account? Connect with a market specialist.

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Overview — Employment Practices Liability from Preferred Concepts LLC Preferred Concepts LLC provides access to Mercator Risk Services’ markets for Employment Practices Liability (EPL) — offering coverage options for employment accounts of many types and sizes across the U.S. EPL responds to growing exposures such as sexual harassment, wrongful termination, discrimination in hiring, and other employment-related acts that can generate defense costs, settlements, and judgments. Why this program This program gives agents access to specialty EPL capacity and underwriting expertise through Mercator Risk Services. Coverage forms and pricing vary by carrier and account profile, but the program is designed to offer broad coverage at competitive pricing for many small- and medium-sized employers. Preferred Concepts can help place routine EPL risks as well as more challenging or unusual accounts. Ideal accounts and appetite Small to mid-sized employers across many industries — professional services, retail, hospitality, light manufacturing, medical/dental practices, nonprofits and staffing firms. Organizations looking for broad EPL coverage and help with risk management and defense coordination. Hard-to-place or distressed accounts that have employment-related exposures but may be able to place with specialty markets. Coverage highlights and advantages Coverage for a wide range of employment-related claims including discrimination, harassment, wrongful termination and related legal defense costs. Multiple market options — Various carriers available — that allow you to match attachment points, limits and endorsements to client needs. Availability of standard limits appropriate for many small and mid-size organizations, with flexible deductibles and limit structures depending on the carrier and account. Underwriting and risk management support from Mercator’s specialty lines resources for defense strategy and loss control. Hard to Place: Mercator Risk Services also handles hard-to-place, distressed, and unusual EPL accounts. Tell Preferred Concepts about your client’s situation and they’ll work with Mercator’s underwriting team to provide options and guidance for placement. Underwriting notes and submission guidance Underwriting typically focuses on factors such as company size (employees and payroll), claims and litigation history, documented employment practices (handbooks, policies, training), and the nature of the workplace. Premium and terms vary significantly with exposure and class. Agents should be prepared to provide an employment practices application, loss run information, and details on HR policies when submitting a risk. Territories and availability This program is available in: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY. Availability and specific carrier appetite can vary by state and account. Why work with Preferred Concepts LLC on EPL Access to Mercator Risk Services’ specialty EPL markets and underwriting expertise through a wholesale broker relationship. Experience placing both standard and difficult EPL risks, with guidance on risk management and paperwork to improve placement prospects. Multiple carrier options so you can seek competitive terms and limits for your client’s unique exposures. Example accounts that often fit A professional-services firm with 25–150 employees seeking a standalone EPL policy and guidance on HR best practices. A small healthcare clinic with a prior employment claim that needs a market willing to evaluate mitigations and current HR procedures. For more information, call (860) 527-9717 or send an e-mail to [email protected]. You can get additional information on applications and Specialty Lines insurance information on Mercator’s website www.mercatorpro.com. Frequently Asked Questions What types of accounts are a good fit for this EPL program?Small- and mid-sized employers across a wide range of industries are the primary targets, including firms in professional services, healthcare practices, retail, hospitality and nonprofits. The program also considers hard-to-place accounts when appropriate underwriting and mitigations are in place. What underwriting information will I need to submit?Be ready to provide an employment practices application, current loss runs, employee count or payroll, and documentation of HR policies or training programs. Prior claims and how they were resolved are a key factor in pricing and placement. Can Preferred Concepts place accounts with prior employment claims or higher exposures?Yes. Preferred Concepts works with Mercator to handle distressed or unusual accounts. Each submission is evaluated case-by-case and may require additional risk management steps or specific endorsements. How do I get a quote or start a submission?Submit the required application and loss runs to your Preferred Concepts wholesale contact; they will route the submission to the appropriate Mercator markets and provide guidance on additional information needed for underwriting. Need help placing an account? Connect with a market specialist.