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Liquor Liability Insurance J.M. Wilson Corp. offers a robust Liquor Liability Insurance program designed to help agents and brokers place coverage for clients in the hospitality, retail, and event industries. Whether your insured sells, serves, or furnishes alcohol, we can help you protect them against claims involving intoxicated patrons causing property damage, bodily injury, or other liabilities. Ideal Accounts and Appetite Our program is tailored for a wide range of businesses that require liquor liability coverage. We work with both admitted and non-admitted markets, providing flexibility across risk classes. Target classes include but are not limited to: Bars and Taverns Restaurants Nightclubs Country Clubs On-Premises Banquet Facilities Adult Entertainment Clubs Package Stores Retail and Wholesale Liquor Distributors Breweries and Vineyards Concessionaires and Caterers for Hire Special Events and Temporary Liquor Vendors Private and Fraternal Clubs Bowling Alleys If you have clients across these classes—or more—J.M. Wilson can help you find a market that fits. Coverage Highlights and Advantages Liquor Liability Insurance from J.M. Wilson provides protection for businesses when a patron becomes intoxicated and causes injury or property damage. Our policies can help address exposures that arise from alcohol service and sales, including: Third-party bodily injury or property damage claims Defense costs and legal fees Assault and battery coverage (where available) Coverage for special events or one-time needs We represent a wide range of carriers, enabling us to find competitive solutions for both standard and hard-to-place risks. Underwriting Notes and Minimum Premiums Minimum premiums vary depending on the class of business, location, and risk characteristics. We are able to submit to multiple carriers to find the best available terms for your client. Our team will work with you to determine eligibility and quote turnaround times based on the specific account. Territories and Availability This program is available in the following states: AL, AR, GA, IL, IN, IA, KS, KY, MI, MN, MS, MO, NE, NC, OH, OK, PA, SC, TN, VA, WV, and WI. We offer access to both admitted and non-admitted markets, depending on the state and classification. Why Work With J.M. Wilson on Liquor Liability? As a trusted Managing General Agency and Excess & Surplus Lines Broker, J.M. Wilson brings decades of experience and strong carrier relationships to every submission. We understand the complexities of liquor-related risks and can help you navigate the underwriting process efficiently. Our team is committed to providing responsive service and helping you find the right coverage for your clients—whether it's a local tavern, a multi-location restaurant group, or a one-time event. For more information about this program or to discuss a specific account, please contact our team by phone or email. Frequently Asked Questions What types of accounts are a good fit for this Liquor Liability program?This program is ideal for bars, restaurants, nightclubs, banquet halls, liquor stores, breweries, vineyards, and special event vendors that serve or sell alcohol. Can you write coverage for one-time or special events?Yes, we can help you place liquor liability coverage for temporary or special events such as festivals, weddings, or concerts. Are both admitted and non-admitted markets available?Yes, J.M. Wilson works with a variety of admitted and non-admitted carriers, offering flexibility based on client needs and underwriting eligibility. What information is needed to get a quote?Basic underwriting information typically includes the type of operation, alcohol sales percentage, prior loss history, and event details (if applicable). Our team can guide you through the full submission process. In which states is this program available?This Liquor Liability program is available in AL, AR, GA, IL, IN, IA, KS, KY, MI, MN, MS, MO, NE, NC, OH, OK, PA, SC, TN, VA, WV, and WI. Need help placing an account? Connect with a market specialist.

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Policy Highlights: Colonial General Insurance Agency, Inc. offers property and liability coverages on a mono-line or package basis for contractors who perform excavation and land grading operations. This program is tailored to contractors and operators engaged in site preparation, lot grading, trenching and similar earthwork. It is not intended for public street or road construction, mining operations, installation or removal of underground tanks, landfills, dam or tunnel construction, or snow removal operations. Overview of the Excavation Insurance Program from Colonial General Insurance Agency, Inc. This program provides flexible solutions for agents placing excavation and grading risks. Available through Colonial General as a managing general agent and excess & surplus lines broker, the program offers both property and commercial general liability coverages with admitted and non-admitted market access depending on the state and risk profile. Carriers vary by account and there are selective admitted markets where available. Ideal Accounts and Appetite Small to mid-sized excavation and grading contractors Operators performing site work for residential and commercial developments (excluding public road or heavy civil projects) Contractors that own and operate their equipment and require contractor's equipment coverage Accounts needing package solutions combining property, equipment, and liability limits Typically not a fit: large heavy civil contractors, mining, tunnel or dam work, landfill operators, underground tank removal projects, public street/road construction, or snow removal operations. Coverage Highlights and Advantages Coverage options are designed for placement flexibility and include: Property Coverage available for excavation insurance: • Accounts Receivable • Basic, Broad, or Special Form • Building • Business Income • Business Personal Property • Computer Equipment • Contractor's Equipment • Equipment Breakdown • Outside Signs • Replacement Cost or Actual Cash Value • Valuable Papers Commercial General Liability Coverage available: • Primary limits up to $3 million occurrence and aggregate • $5,000 Medical Payments Coverage—Included • Additional Interests—$100 each • Excess or Umbrella limits up to $25 million • $1,000 minimum deductible required Crime Coverage available: • Inside the Premises—Theft of Money and Securities • Inside the Premises—Robbery or Safe Burglary of Other Property • Outside the Premises Underwriting Notes and Minimum Requirements Minimum deductible: $1,000 (as a program requirement for liability placement). Limits: primary GL available up to $3M with umbrella/excess options to $25M—subject to carrier approval. Underwriting focuses on experience, loss history, scope of operations, equipment values, and site-specific exposures (e.g., shoring, trenching near utilities). Submission requirements typically include contractor’s application, loss runs, equipment schedule, and a description of operations and project types. Territories and Availability Available in AZ, CA, CO, ID, NV, NM, UT, and WY. Some coverages are offered through admitted markets where available; other placements may be written non-admitted depending on state and carrier appetite. Why Work With Colonial General on Excavation Business Specialized underwriting for excavation and grading contractors through an experienced MGA/E&S broker. Package capability to combine property, equipment, crime and liability coverages for a more complete placement. Access to multiple carrier markets to secure competitive limits, including umbrella/excess follow-form options. Practical appetite guidance to help you avoid non-fit accounts and improve placement speed. Sample accounts that fit this program A residential site contractor performing grading, pad preparation and utility trenching for single-family lots with owned compactors, excavators and skid steers. A commercial site work subcontractor hired for earthmoving and drainage installation on a shopping center project (non-public road work), requiring contractor’s equipment and GL limits with an umbrella. Submission Tips Provide a detailed operations description and equipment schedule up front. Include five years of loss runs when available and explain any recent large losses. Identify any subcontracted work and whether the insured performs utility excavation or trench shoring. Note project types that are excluded by the program (public roads, mining, tunnels, landfills, etc.) to avoid delays. Frequently Asked Questions What types of excavation contractors are a good fit for this program?Contractors focused on site preparation, lot grading, trenching and general earthwork for residential and commercial projects (not public road or heavy civil work) are the primary fit. Those who own and operate their equipment and have manageable loss history are preferred. What limits and deductibles can I expect to place?Primary GL limits are available up to $3 million (occurrence and aggregate) with excess/umbrella capacity to $25 million. The program requires a $1,000 minimum deductible for liability; specific deductible and limit combinations depend on carrier underwriting. Are there operations or exposures that this program will not accept?Yes. Typical exclusions include public street/road construction, mining, tunnel or dam construction, landfills, underground tank installation/removal, and snow removal operations. Large heavy civil or specialty hazardous operations are also outside the appetite. What documentation should I include with a submission?Provide a completed application, current equipment schedule, five years of loss runs, and a clear description of operations and project types. Notes on subcontractor use and safety/shoring procedures help expedite underwriting. Is this program admitted in all states listed?Colonial General places coverage through admitted markets where available and uses non-admitted markets as needed. Availability varies by state—AZ, CA, CO, ID, NV, NM, UT and WY are served by the program. 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.

EPLI Insurance Halcyon Underwriters provides access to a broad selection of top-rated, admitted carriers for Employment Practices Liability Insurance (EPLI). As a wholesale broker, we partner with agents and brokers to place competitive, reliable EPLI solutions tailored to each commercial client’s employment-related risks. Overview of the Program From Halcyon Underwriters EPLI protects employers from employee claims such as discrimination (sex, race, age, disability, etc.), wrongful termination, harassment, retaliation, and related employment practices exposures like failure to promote or negligent evaluation. Halcyon’s program gives you multiple admitted-market options so you can tailor limits, retentions, and coverage features to the client’s size and risk profile. Ideal Accounts and Appetite This program fits small to mid-sized commercial accounts across many industries, including healthcare, hospitality, retail, manufacturing, and professional services. We consider both new ventures and established businesses, and we are comfortable with accounts that have clean or more complex employment histories when underwriting information is complete. Example fits: a growing restaurant group concerned about wrongful termination or wage-related disputes; a tech startup undergoing rapid hiring that wants protection against discrimination or harassment claims. Accounts with systemic HR deficiencies, ongoing litigation involving employment law, or very large payrolls may require special review or alternate placements. Coverage Highlights and Advantages Defense and liability for discrimination (age, race, gender, disability, etc.) Wrongful termination and retaliation Sexual harassment and hostile work environment Failure to promote and negligent evaluation exposures Third-party EPLI available in select markets With access to multiple admitted carriers, Halcyon helps you match coverage features, limit structures, and pricing to the client’s operations and risk tolerance. Underwriting Notes and Minimum Premiums Underwriting emphasizes current HR practices, employment policies, prior claims history, and submission quality. The program’s typical minimum premium starts at $15,000; final terms depend on exposures, payroll, and industry. Provide complete application materials, an up-to-date EPLI application, and any HR documentation to accelerate placement. Territories and Availability Halcyon Underwriters offers this EPLI program in all 50 states plus Washington, DC, through admitted carriers. Regardless of client location, we can work with you to find admitted-market capacity and state-specific forms where required. Why Work With Halcyon Underwriters As a wholesale broker focused on market access and underwriting support, Halcyon brings deep carrier relationships and hands-on placement assistance. We help you evaluate options across multiple admitted markets, negotiate competitive terms, and guide submissions to improve placement speed and success. For additional information, please contact Jason Mata at [email protected] . We encourage you to visit our website at www.halcyonuw.com to learn more about our wholesale EPLI capabilities. Frequently Asked Questions What types of accounts are a good fit for this EPLI program?This program fits a wide range of small to mid-sized businesses—particularly healthcare, hospitality, retail, manufacturing, and professional services—with moderate exposure to employee-management risks. Is this program available nationwide?Yes. Halcyon Underwriters offers this EPLI program in all 50 states and Washington, DC through admitted carriers in our panel. What is the minimum premium for this EPLI program?The program’s typical minimum premium starts at $15,000; final pricing depends on industry, payroll, limits requested, and claims history. Can new businesses or startups qualify for this coverage?Yes. We consider new ventures, particularly those with documented HR practices and management controls in place. Complete submissions improve placement chances. What markets does Halcyon Underwriters work with for EPLI?We work with multiple top-rated admitted carriers, giving agents flexibility to match coverage form, limits, and pricing to the client’s needs. Need help placing an account? Connect with a market specialist.

Non-Profit D&O Insurance from Preferred Concepts LLC Preferred Concepts LLC, through Mercator Risk Services, offers tailored Directors & Officers (D&O) Liability insurance for a wide range of non-profit organizations. Whether your client is a community-based foundation, a religious group, or a professional association, this program provides flexible coverage options to meet their unique operational risks. With access to multiple carriers and expertise in specialty risks, Mercator is a go-to wholesale broker for agents and brokers seeking comprehensive solutions for non-profit clients. Ideal Accounts and Appetite This program is designed for a broad spectrum of non-profit organizations, including but not limited to: Social service agencies Trade and professional associations Homeowners associations Private and recreational clubs Religious organizations Chambers of commerce Museums and cultural institutions Community and charitable foundations Hard-to-place and distressed accounts are also considered, including those with prior claims or financial concerns. If you have a client with a complex risk profile, Mercator can help structure a solution that fits. Coverage Highlights and Advantages Non-profit organizations face a wide range of exposures related to governance, employment practices, and professional services. This program offers flexible policy forms that can be customized based on your client’s needs. Coverage options include: Directors & Officers (D&O) Liability Employment Practices Liability (EPL) Professional Liability / Errors & Omissions (E&O) Many policy forms combine these coverages into a single product often referred to as "non-profit D&O." It is essential that the insured reviews the policy form to ensure it aligns with their operational exposures and expectations. Coverage is available for officers, directors, employees, and volunteers—helping to protect against claims involving fiduciary duties, employment disputes, and more. Underwriting Notes and Application Process Mercator Risk Services will accept most standard applications (excluding renewal apps), or can provide a tailored application specific to your client's situation. They are experienced in handling both straightforward and complex risks, including those with prior losses or financial challenges. There is no listed minimum premium, but the program is competitively priced and scalable depending on the size and risk profile of the organization. Territories and Availability This program is available on a non-admitted basis in all 50 states and Washington, D.C., 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, WV, WI, and WY. Why Work With Preferred Concepts and Mercator Risk Services Preferred Concepts LLC partners with Mercator Risk Services to bring you specialized market access and underwriting expertise for non-profit D&O risks. Their ability to handle both standard and unusual risks—such as financially impaired entities or those with prior claims—makes them a strong partner for agents and brokers looking to grow in the non-profit space. With responsive service, market access, and the flexibility to tailor coverage, Mercator is a valuable resource for your non-profit accounts. For more information, call (860) 527-9717 or email [email protected]. Additional resources can be found at www.mercatorpro.com. Frequently Asked Questions What types of non-profit accounts are a good fit for this program?This program is ideal for social service agencies, religious organizations, professional associations, private clubs, and other 501(c)(3) or similar entities. Hard-to-place risks with prior claims or financial issues are also considered. Can coverage be customized for different types of non-profits?Yes, policy forms can be tailored to include D&O only, or expanded to include EPL and E&O, depending on the client’s operational needs and exposures. Is there a specific application required?Mercator Risk Services accepts most standard applications, excluding renewals. They can also provide a specialized application tailored to your client’s risk profile. Is this program available in all states?Yes, the program is available on a non-admitted basis in all 50 states and Washington, D.C. Does the program accept accounts with prior claims?Yes, the program is designed to accommodate distressed or hard-to-place accounts, including those with prior claims or financial difficulties. Need help placing an account? Connect with a market specialist.