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The Rockwood Employment Practices Liability Insurance program delivers defense and indemnity protection for claims arising from the employer/employee relationship. The policy is written to defend and indemnify employers — including current, former and prospective employees, directors and officers, and the corporate entity —against a broad spectrum of employment-related claims. Multiple limit and deductible options are available to help you place accounts with varying risk tolerances and budgets. Rockwood’s Employment Practices Liability Insurance Program Coverage Highlights: Coverage for Third Party Wrongful Acts — available Wage-and-Hour coverage — available (subject to sub-limit) Alleged violations of immigration rules — endorsement provided at no cost to the insured (subject to sub-limit) Expanded definition of covered employee to include leased workers, independent contractors, volunteers and interns Advocacy claims defense provided by nationally recognized legal experts Underwritten by member companies of Baldwin & Lyons, Inc. Toll-free hotline available to all Rockwood policyholders Rockwood’s Employment Practices Liability Insurance program uses a streamlined submission process with a two-page application and paperless compliance. Limits are available from $250,000 to $5,000,000 and retentions start as low as $2,500. Some restrictions apply. Overview — Rockwood Programs Employment Practices Liability Rockwood Programs offers this EPLI product as a program administrator focused on easy placement and responsive advocacy for covered claims. The program pairs simplified underwriting with dedicated claims defense resources and access to admitted paper in most available markets. This makes it a practical option for agents seeking an efficient solution for employer-side liability exposures. Ideal Accounts and Appetite This program fits mid-to-small private companies and non-profit organizations across a broad set of industries. Typical accounts include: Professional services firms and small-to-mid sized offices (10–250 employees) Healthcare support services, nonprofits and associations Hospitality, retail and franchise operations with multiple locations The appetite favors insureds with formal HR practices, written policies, and reasonable employment procedures. Higher risk targets (for example, employers with frequent prior employment-related claims or complex class-action wage-and-hour exposures) should be submitted with full details for consideration and may be subject to sub-limits or declination. Coverage Strengths and Advantages - Third-party wrongful acts coverage and a wage-and-hour option provide flexibility when clients need broader protection. - The program’s expanded employee definition helps cover exposures often missed by narrower forms (leased employees, contractors, interns). - Endorsements for immigration-related allegations and access to national advocacy counsel enhance claim response when issues arise. - A toll-free hotline gives insureds quick access to advice that can reduce loss frequency and improve claim outcomes. Underwriting Notes and Minimums Submission is quick: a two-page application and paperless process. Minimum premium and retention vary by state, class and limits — the program lists minimum premium as “varies.” Provide complete loss history, employee counts by class/location, and copies of employee handbooks or policies to accelerate review. For accounts with wage-and-hour exposure or prior EPL claims, include details up front to help underwriting evaluate sub-limits or endorsements. Territories and Availability Program Administrator: Rockwood Programs. Underwriters include Houston Sepc. Insurance Group and Imperium Insurance Company. Admitted status: Most Available Markets. This program is available in: 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. Why Place EPLI with Rockwood Programs Rockwood combines a focused program administrator approach with admitted market access and nationally-recognized defense counsel that specializes in employment claims. The streamlined application and paperless workflow help you move accounts from submission to bind quickly. The program’s flexible limits, available endorsements, and employment advocacy services make it a practical choice for agents placing a wide cross-section of employer accounts. Example Accounts You Might Place - A 75-employee professional services firm with established HR policies seeking limits of $1,000,000 and a modest retention. - A regional retail chain with multiple locations that wants expanded employee definitions and third-party coverage added to their package. Frequently Asked Questions What types of accounts are a good fit for Rockwood’s EPLI program?Small-to-mid sized employers and nonprofit organizations with documented HR practices are the primary targets. The program is designed for accounts that need admitted-market placement, flexible limits ($250k–$5M), and optional wage-and-hour coverage (subject to sub-limits). What does the submission process require?Rockwood uses a two-page application and a paperless submission workflow. Include employee counts, loss runs, and core HR policies or handbooks to speed underwriting. Detailed histories are needed for accounts with prior EPL claims or wage-and-hour exposure. Is third-party wrongful acts and wage-and-hour coverage included?Third-party wrongful acts coverage is available. Wage-and-hour coverage can be offered subject to a sub-limit. Specific availability and sub-limit sizes are determined by underwriting and state filing requirements. Which states and markets are supported?The program is available in most states (see storefront for the full list). Rockwood places business with admitted carriers including Houston Sepc. Insurance Group and Imperium Insurance Company depending on territory and risk profile. Are there service resources for policyholders during a claim?Yes. The program offers advocacy claims defense through nationally recognized legal experts and a toll-free hotline available to Rockwood policyholders for early claim guidance and loss mitigation. Need help placing an account? Connect with a market specialist.

Insurance Agent/Broker E&O Program from Rockwood Programs Rockwood Programs offers a comprehensive Errors & Omissions insurance solution tailored exclusively for retail insurance agents and brokers. Backed by Western World Insurance Group, rated “A” (Excellent) by A.M. Best with a Financial Size Category of IX, this program provides robust protection against professional liability exposures common to today’s retail producers. Ideal Accounts and Eligibility This program is designed for retail insurance agents and brokers with at least $2.5 million in gross written premium. It’s an excellent fit for established agencies that want reliable, broad coverage through an admitted product available in most states. If you have a client who is a growing regional agency expanding into specialty lines, or a long-standing broker who wants to upgrade from a basic E&O policy, this program could be a strong fit. Coverage Highlights and Advantages Broad definition of professional services Exclusion for B+/government-guaranteed insolvency Automatic coverage for independent contractors Punitive damages covered where allowed by law Included supplemental coverages at no extra cost: - Regulatory defense costs: $25,000 - Litigation expense reimbursement: $5,000 - Subpoena expense reimbursement: $5,000 Optional Coverage Enhancements Defense costs outside the limits of liability Employment practices claims expense reimbursement First dollar defense Privacy breach expense coverage Security incident expense coverage Aggregate retentions Underwriting Notes and Minimum Premium Rockwood evaluates each submission based on the agency’s size, experience, and risk profile. While minimum premiums vary, agents should expect competitive pricing aligned with the program’s broad coverage and high service standards. Territories and Availability This is an admitted program in most states, and is available in all U.S. states except possibly a few. Key markets include CA, TX, FL, NY, IL, and PA, among many others. Please contact Rockwood for state-specific availability. Why Work With Rockwood Programs As a seasoned Program Administrator, Rockwood Programs brings deep expertise in professional liability insurance. The company focuses on delivering responsive service, intelligent underwriting, and access to strong carrier partners like Western World Insurance Group. With a proven track record in the insurance agent/broker E&O space, Rockwood is a reliable partner for placing complex or high-premium accounts. Questions? Mark Lann - Executive Vice President [email protected] 302 307 3844 Frequently Asked Questions What types of accounts are a good fit for this program?Retail insurance agencies and brokers with at least $2.5 million in gross written premium are ideal candidates. Agencies with experienced staff and diversified books of business are a strong fit. Is this program admitted or non-admitted?This is an admitted program in most states, offering agents and brokers the benefit of regulatory compliance and financial security. What are some of the built-in coverage benefits?The policy includes regulatory defense costs ($25K), litigation reimbursement ($5K), and subpoena expense reimbursement ($5K) at no additional charge. Can independent contractors be covered under this policy?Yes, the program provides automatic coverage for independent contractors, which is ideal for agencies using 1099 producers. What optional enhancements are available?Enhancements include first dollar defense, defense outside the limits, privacy breach and security incident coverages, and employment practices claim expense reimbursement. Need help placing an account? Connect with a market specialist.

Rockwood Programs has been a trusted provider of Errors and Omissions (E&O) Insurance for more than 13 years, offering tailored coverage designed specifically for Property and Casualty (P&C) insurance agents. Whether you represent newly licensed producers or seasoned brokers, Rockwood makes it straightforward to place dependable E&O coverage through a well-established program underwritten by Certain Underwriters at Lloyd’s, London. Ideal Accounts and Appetite This program is targeted to independent Property and Casualty insurance agents and small agencies generating less than $2 million in annual revenue. Rockwood can accommodate a wide range of P&C agent risks, including: Newly licensed P&C agents (licensed within the last 1–3 years) Established P&C agents and boutique agencies (licensed over 3 years) With access to multiple “A” rated carriers and a Lloyd’s placement, Rockwood can often place accounts that fall outside standard markets. If you have an agency startup or a small-to-mid-size firm with moderate exposures, this program is an excellent fit. Coverage Highlights and Advantages Low minimum premiums – Starting at $1,250 (plus tax/fees) Identity Theft Expense Coverage – Up to $25,000 included at no extra cost Flexible limits of liability – Multiple limit options to match your client’s needs Defense coverage – Covers attorney fees, court costs, settlements, and judgments (excluding intentional wrongdoing) This E&O policy protects your clients from allegations of mistakes or omissions arising from their day-to-day professional operations—providing financial protection for defense costs and potential settlements in an increasingly litigious environment. Underwriting Notes and Minimum Premiums Rockwood delivers efficient, experienced underwriting focused on the insurance agent E&O niche. Eligibility is typically based on licensing history, annual revenue, and the agent’s operations and product lines. The program’s competitive minimum premium is $1,250 (plus applicable taxes and fees). Industry experience shows a meaningful chance of an agent facing a reportable E&O claim over a career. Rockwood’s coverage is designed to provide a practical safety net—especially for small agencies that may not have the reserves to absorb defense costs. Territories and Availability The program is available in most U.S. states, 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. Admitted options are available in selected states—contact Rockwood for specific state availability and any regulatory considerations. Why Work With Rockwood Programs As a Managing General Agency focused on agent E&O, Rockwood offers more than a policy. Working with Rockwood gives you: Direct access to top-rated carriers, including Certain Underwriters at Lloyd’s of London Program flexibility for both new and experienced agents Responsive service and underwriting expertise geared to agent exposures A partner with over a decade of dedicated experience placing E&O for P&C agents Example scenarios where this program fits well: You have a newly licensed P&C producer launching as a solo agent who needs primary E&O protection with a low entry premium. You represent a boutique agency with several experienced agents and mixed commercial and personal lines, seeking flexible limits and added identity theft expense coverage. Whether you’re placing a single producer or an established small agency, Rockwood’s E&O program offers tailored protection with the marketplace access and underwriting support agents expect. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for Property and Casualty insurance agents with annual revenues under $2 million, including both newly licensed and established professionals. Is this E&O coverage available for newly licensed agents?Yes, Rockwood offers tailored coverage for P&C agents licensed within the last 1–3 years, making it a strong fit for startups and new producers. What is included in the Identity Theft coverage?The policy includes up to $25,000 in Identity Theft Expense coverage at no additional cost, helping protect agents from financial losses due to identity theft events. Are there admitted options available?Yes, Rockwood’s E&O program includes admitted options in select states. Availability may vary, so be sure to check on state-specific offerings. What is the minimum premium for this program?The minimum premium starts at $1,250, plus any applicable taxes and fees, depending on underwriting and state regulations. Need help placing an account? Connect with a market specialist.

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ProBuilders Program from AJS Insurance Services The ProBuilders Program from AJS Insurance Services, Inc. is a specialty General Liability program for residential and commercial contractors — including general contractors and subcontractors. Underwritten through ProBuilders Specialty Insurance Company, RRG, the program is available in all U.S. states except New York and is supported by endorsements from multiple builders associations. Ideal Accounts and Target Contractors This program is designed for agents placing contractor risks. It fits well for: Residential and commercial general contractors and subcontractors Builders working on tract housing and apartment projects Artisan and specialty contractors, including newer operations with qualified management experience Important: Condominium, townhouse, and homeowners association (HOA) projects are eligible only under the OCIP/Wrap Program, not under the Regular or Artisan programs. Coverage Highlights and Program Advantages Wholesale General Liability-only program tailored to contractors Three program tracks: Artisan/Small Contractors, Regular, and OCIP/Wrap Flexible sunset options: 2-year, 3-year, 5-year, or no sunset Endorsed by multiple homebuilder associations for added market credibility Simple producer agreement and straightforward submission requirements Fast quoting when you provide a complete submission—typically 2–3 days Sample proposals and specimen policies available to simplify client presentations Underwriting Guidelines and Minimum Premiums The program has distinct requirements by track: Regular Program: Minimum deductible $3,500. Ineligible classes include large-scale demolition (over three stories), scaffolding operations, tunneling, blasting, and similar high-hazard exposures. Roofing and plumbing contractors typically need at least five years in business. Artisan/Small Contractors Program: For smaller contractors and trades. Deductibles start at $1,500 with an optional $2,500 deductible. Newer businesses may need to provide resumes for key principals and more detailed applications. OCIP/Wrap Program: Designed specifically for condo, townhouse, and HOA projects. This track has a high minimum premium (example minimums and fees apply) and a maximum policy term of two years; it is underwritten to project specifications. Premiums are calculated from estimated receipts and are subject to post-bind audit (audits are upward only). Provide full applications, five years of loss runs where available, and a clear work narrative to speed underwriting. States Available The ProBuilders Program is available in all U.S. states except New York. Key markets include California, Texas, Florida, Arizona, Colorado, and Nevada. Why Work with AJS Insurance Services? AJS positions itself as a contractor-focused wholesaler with hands-on underwriting and responsive service. Agents will find dedicated account management, clear documentation, and fast turnarounds. The program is particularly useful when you need specialty liability capacity for contractor clients that mainstream markets may decline or price inefficiently. Example scenarios where ProBuilders is a good fit: You have a residential builder doing multi-unit apartments that needs a tailored General Liability program with multi-year sunset options. An artisan plumbing or electrical contractor with solid supervision but limited years in business needs an admitted-quality liability placement through an experienced wholesale underwriter. From quote to bind, AJS provides sample proposals and specimen policies to help you present coverage clearly to your clients and close business faster. Frequently Asked Questions What types of accounts are a good fit for the ProBuilders Program?The program suits residential and commercial general contractors and subcontractors, including tract housing and apartment builders. Artisan contractors and smaller specialty trades are eligible under the Artisan track when they meet the program prerequisites. Are condo or townhouse projects eligible under this program?Yes, but only through the OCIP/Wrap Program. Condo, townhouse, and HOA projects are not eligible for the Regular or Artisan tracks. Which states is the program available in?The program is available in all U.S. states except New York, including major markets such as California, Texas, Florida, and Arizona. What is the turnaround time for quotes?With a complete submission (application, loss runs, work narrative), quotes are typically provided within 2–3 days. More complex OCIP/Wrap or large project opportunities may require additional underwriting time. What underwriting documentation is required?Provide a completed application, five years of loss runs when applicable, and resumes for newer businesses or principals. A clear narrative of the contractor's scope of work and any project details will help expedite underwriting. Need help placing an account? Connect with a market specialist.

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