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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.

The Rockwood Non Profit D&O program is specifically designed to help independent agents and brokers secure reliable Directors and Officers liability coverage for nonprofit organizations. Offered on a claims-made basis, this program provides tailored protection for both the leadership and the entity against a wide range of liability exposures. Backed by highly rated carriers like Baldwin & Lyons, Inc., Rockwood delivers strong underwriting and responsive service to help you place hard-to-insure nonprofit risks. Ideal Accounts and Appetite This program is an excellent fit for a wide range of nonprofit organizations, including but not limited to: Charitable foundations Community and civic groups Educational and cultural institutions Advocacy and membership-based nonprofits Many board members are unaware that they can be held personally liable for decisions or actions taken in their roles. Rockwood’s Non Profit D&O program helps you provide your nonprofit clients with the coverage they need to manage that risk. You might have a client who is launching a community outreach nonprofit or an arts foundation with a newly formed board. These organizations often face exposures similar to for-profit entities and need solid D&O protection to safeguard their leadership and mission. Coverage Highlights and Advantages Rockwood’s Non Profit D&O Liability Insurance Program offers broad, flexible coverage options, including: Duty to Defend – Legal defense is provided even if allegations are groundless. Defense Costs Outside the Limit – Available in some cases to preserve policy limits for settlements. Wage and Hour Coverage – Provided subject to sub-limits. Exemplary or Punitive Damages – Covered up to the policy limits where insurable by law. Full Prior Acts Coverage – Included within the base policy. Coverage for Both Monetary and Non-Monetary Claims Optional tailored endorsements allow your clients to expand protection with additional features such as: Employment Practices Liability Fiduciary Liability Organizational Liability Limits range from $250,000 up to $5,000,000, with both stand-alone and package policy structures available. Underwriting Notes and Minimum Premiums Rockwood underwrites each submission carefully to match coverage to the nonprofit’s operations and risk profile. Minimum premiums vary depending on the size and scope of the organization, selected limits, and optional coverages. Quotes are typically turned around quickly, helping you meet client deadlines and respond to time-sensitive opportunities. Territories and Availability The Non Profit D&O program is available in most states, including but not limited to CA, FL, NY, TX, and IL. Some admitted options are available depending on the specific state and risk class. Coverage is offered in the following jurisdictions: AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, DC. Why Work With Rockwood Programs? As a leading program administrator, Rockwood Programs brings deep expertise in nonprofit liability exposures, strong carrier relationships, and attentive service. From tailored coverage options to fast quote turnaround, Rockwood supports agents in placing competitive, reliable Non Profit D&O coverage in a challenging market segment. Contact the Rockwood team to discuss your client’s needs and learn how their D&O solutions can help protect nonprofits and their boards from costly liability risks. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for most nonprofit organizations, including charities, community service groups, foundations, and educational or cultural institutions. What limits are available through the program?Liability limits range from $250,000 up to $5,000,000, with flexible options depending on the size and type of nonprofit. Can I include Employment Practices Liability with this program?Yes, Employment Practices Liability is available as an optional coverage enhancement under this program. Is coverage available in my state?The program is available in most U.S. states, including CA, FL, NY, TX, and many others. Contact Rockwood for state-specific options. What carriers back this program?The program is supported by Baldwin & Lyons, Inc., a highly rated carrier known for financial strength and reliability. 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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