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Pet Protection PAK works with responsible dog owners across the country to secure dog bite and dog liability insurance when a homeowner's policy excludes coverage for certain breeds or otherwise leaves a gap. Overview of the Program From Personal Care & Assisted Living Insurance Center Pet Protection PAK is a specialty program offered through Personal Care & Assisted Living Insurance Center that helps agents place dog bite and dog liability exposures that may be declined or excluded by standard homeowners or renters policies. As a managing general agency, we access multiple admitted and non-admitted carriers (Various) to provide flexible, breed-aware liability solutions for insureds nationwide. What this program does for your clients Provides a standalone dog liability policy for homeowners or renters when their primary carrier excludes certain breeds or limits animal liability. Fills coverage gaps quickly so insureds remain protected for dog bite and related third-party liability claims. Offers competitive placements across most states through admitted and non-admitted markets. Ideal Accounts and Appetite Pet Protection PAK is best suited for individual dog owners and households that need a limited, focused policy for dog liability. Typical fits include: Owners of breeds often restricted by standard homeowners markets. Renters or condominium owners whose HOA or lease requires proof of dog liability insurance. Clients with prior non-claim incidents or minor animal-related exposures that make placement in the standard market challenging. Not typically a fit: commercial kennels, breeders, dog trainers, dog walkers, or accounts where animal-related incidents are frequent or involved in commercial activity. Those exposures generally require a specialized commercial policy. Coverage Highlights and Advantages Standalone dog bite/dog liability coverage designed to complement or replace excluded coverage from homeowners/renters policies. Flexible limits available through multiple carriers to match client needs. Quick turnaround from underwriting for standard residential accounts. Available in Most Available States, with a broad territorial footprint (see Territories below). Underwriting Notes and Minimum Premiums Underwriting is breed-aware and focuses on household risk factors such as prior incidents, number of dogs, containment, and veterinary history. Minimum premium and final pricing vary by carrier, state, and risk characteristics—minimum premium: Varies. Provide full dog and household information to get an accurate indication. Territories and Availability The program is available in the following jurisdictions: 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, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, DC. Positioning may vary by carrier and state—confirm availability at submission. Why Work With Personal Care & Assisted Living Insurance Center Specialty focus as an MGA gives you access to multiple carriers and flexible placements for animal liability exposures. Responsive underwriting geared to residential dog liability — fast quotes and practical placement decisions. Agent-focused service: we help you determine fit quickly so you can deliver timely solutions to your clients. Example scenarios You have a homeowner whose insurer excludes coverage for their dog’s breed; Pet Protection PAK can provide a standalone dog liability policy to satisfy mortgage or HOA requirements. A renter is required by a landlord to show dog liability coverage; you can secure an affordable, focused policy without re-writing the primary renters policy. Frequently Asked Questions What types of accounts are a good fit for Pet Protection PAK?Good fits are individual dog owners and households needing standalone dog bite or dog liability coverage because their homeowners or renters carrier excludes certain breeds or limits animal liability. Commercial animal operations are not a fit. Is the program admitted or non-admitted in my state?We place with multiple carriers across admitted and non-admitted markets. Availability and admitted status vary by state and carrier; confirm at submission. The program is listed as Most Available States. What information is required to start a submission?Provide applicant name, property address, dog breed(s) and age, prior animal incidents or claims history, and any containment or training details. Additional carrier-specific questions may follow. How are premiums and minimums handled?Minimum premium varies by carrier, state, and risk. We provide indications once underwriting details are submitted; do not quote premium until you receive an indication from our underwriters. Need help placing an account? Connect with a market specialist.

An insurance provider that is passionate about the industry in which we serve. Equisure, part of the Amwins Underwriting division, is a specialty program designed for animal clubs, associations and organizers of animal-related events. For more than 30 years Equisure has developed targeted products that address the unique exposures of clubs, breed registries, collegiate teams and show organizers. Agents can place a wide range of accounts through this program, supported by underwriting that understands animal-related operations and member-driven organizations. Overview of the Program From Amwins Underwriting This program offers straightforward, market-ready solutions for animal clubs, associations and sanctioned or non-sanctioned events. Coverage is built to protect organizers, volunteers and members from common liability risks that arise during competitions, shows, rallies and club-sponsored activities. Equisure’s appetite emphasizes practical, affordable coverages to keep members protected and events running smoothly. Ideal Accounts and Appetite Polo clubs and other mounted-sport groups Dog clubs (excluding protection-training focused clubs) Multi-state clubs that travel or compete in several jurisdictions Breed registries and associations providing member benefits Competitive trail riding groups and endurance events Collegiate riding and animal clubs Vaulting and English/Western shows (one-day or multi-day, sanctioned or non-sanctioned) Ineligible accounts typically include rescues and sanctuaries, wagering-based racing operations, dog clubs whose primary activity is protection training, and rodeo bull riding. If you are unsure whether a specific account fits, provide a summary of operations and event profiles when submitting. Coverage Highlights and Advantages General liability tailored for club and event exposures Optional professional liability where appropriate for instructors, judges or club-run services Medical payments coverage for on-site incidents Amwins Underwriting’s Equisure program emphasizes practical policy forms and limits that reflect the realities of volunteer-run organizations and temporary event exposures. The underwriting team is experienced with common risk controls for animal events and can provide guidance on risk transfer and certificate requirements for venues. Underwriting Notes and Minimum Premiums Underwriters look for clear event descriptions, typical participant counts, venue details, and any third-party vendor activities. Standard eligibility questions include whether events are sanctioned, whether animals are transported across state lines, and whether professional trainers or paid instructors are involved. The program’s stated minimum premium is $500; actual terms and premiums depend on exposure details, limits requested and loss history. Territories and Availability This non-admitted/surplus lines program is available in the following jurisdictions: 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, WY. Note: Amwins positions this offering through Equisure as a specialty market—confirm surplus lines placement requirements in the insured’s home state as needed. Why Work With Amwins Underwriting on This Business Amwins Underwriting combines deep niche expertise with flexible underwriting for animal-related organizations. Agents benefit from a program that understands member-driven clubs, offers practical coverages, and has a track record of working with events and associations. Submissions that include clear activity descriptions, participant numbers and venue information will receive the most efficient review. Example scenarios You have a regional dog-breed club that runs two one-day shows per year and provides member benefits—this program can provide general liability and optional professional coverages for judges and trainers. A collegiate equestrian club that travels to sanctioned events in multiple states needs a single program to cover both practices and competitions—Equisure can underwrite multi-location exposures through this offering. Frequently Asked Questions What types of accounts are a good fit for the Equisure program?Clubs and associations focused on non-racing animal activities—polo clubs, dog breed clubs, collegiate groups, trail-riding and sanctioned or non-sanctioned shows—are ideal. The program is designed for member-based organizations and event organizers rather than rescues or wagering/racing operations. What coverages can I request through this program?Primary offerings include general liability and medical payments, with optional professional liability in many cases. Limits and coverage parts will depend on the account’s operations and the underwriting review. Is this program admitted in the states listed?The program is offered on a non-admitted (surplus lines) basis. Agents should follow surplus lines placement and disclosure requirements that apply in the insured’s home state. What information helps speed underwriting and placement?Provide a clear description of club activities and events, typical participant/attendance numbers, venue types, whether events are sanctioned, any paid instructors or vendors, and loss history. This information allows for a faster, more accurate quote and reduces follow-up requests. Need help placing an account? Connect with a market specialist.

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