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Overview of the Program From Northern States Agency Northern States Agency, Inc. (NSA), a trusted Managing General Agency and Excess & Surplus Lines Broker, has been serving independent insurance agents since 1953. Located in St. Paul, Minnesota, NSA brings over 70 years of underwriting experience and market knowledge to help agents place standard and hard-to-place commercial risks. Whether you’re looking for traditional coverage or need options for unique exposures, NSA offers broad access to various carriers and a deep understanding of E&S markets. Ideal Accounts and Appetite NSA specializes in hard-to-place and unusual risks that may not qualify for standard markets. Their underwriting appetite includes a wide range of commercial operations, with particular strength in: Commercial Auto Fleets (10+ power units) Garage and Auto Dealer Operations Trucking and Transport Risks Businesses with Excess Auto Liability Needs Contractors and Small Manufacturers Professional Services with E&O or D&O Exposures For example, you might have a client with a regional delivery fleet or an auto service operation with unique liability exposures. NSA can provide tailored solutions for these accounts, even when standard carriers decline. Coverage Highlights and Advantages NSA offers access to a wide array of commercial coverages through both admitted and non-admitted markets, depending on the risk and state. Available coverages include: Commercial Auto Insurance Garage and Auto Dealer Liability Excess Auto and General Liability General Liability and Umbrella/Excess Liability Directors & Officers (D&O) Liability Employment Practices Liability Insurance (EPLI) Miscellaneous Professional Liability Errors & Omissions (E&O) Property and Inland Marine NSA leverages relationships with numerous carriers to help you secure the right coverage at competitive terms for your clients' specific needs. Underwriting Notes and Minimum Premiums NSA evaluates each submission on its own merits, focusing on the risk’s operational details and loss history. While minimum premiums vary by carrier and line of coverage, the program is well-suited for mid-sized and larger accounts, particularly those requiring fleet or excess liability solutions. Submissions with complete information and clear risk narratives will receive the most responsive service. Territories and Availability NSA works with thousands of independent agents across the upper Midwest, offering access to this program in: Minnesota Wisconsin Iowa South Dakota North Dakota Nebraska Michigan Illinois Nationwide availability is also offered for certain classes, including auto fleets with 10 or more power units and excess auto/general liability placements. Why Work With Northern States Agency? With decades of experience and a regional focus, NSA is a valuable partner for agents seeking reliable underwriting support and market access. Their team understands the complexities of E&S placements and is committed to providing timely responses, flexible solutions, and a collaborative approach. If you’re looking to grow your commercial book with hard-to-place or specialty risks, NSA can help you deliver results for your clients. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include commercial auto fleets, garage and dealer operations, risks needing excess liability, and professional service firms with E&O or D&O exposures. Which states is this program available in?This program is available in Minnesota, Wisconsin, Iowa, South Dakota, North Dakota, Nebraska, Michigan, and Illinois. Select coverages are also accessible nationwide. Can NSA place hard-to-insure or non-standard risks?Yes, NSA specializes in hard-to-place and non-standard commercial risks, especially those that fall outside of standard carrier appetite. What minimum premium should I expect?Minimum premiums vary by risk and carrier, but this program is best suited for mid-sized to larger accounts, especially those with fleet or excess liability needs. What carriers does NSA work with?NSA works with a variety of admitted and non-admitted carriers, allowing them to tailor coverage solutions to the specific needs of your clients. Need help placing an account? Connect with a market specialist.

Overview of the Program From PMC Insurance Group PMC Insurance Group writes Carpentry Workers Compensation Insurance with programs that can begin as low as $2,000. This wholesale-broker program is designed for agents and brokers placing artisan and carpentry exposures across a broad range of classes. Carriers and terms vary by risk and state, and PMC provides underwriting access and placement support for eligible accounts. Ideal Accounts and Appetite Small to mid-sized carpentry and finish-trade contractors Typical classes: Carpentry, Framers, Flooring, Cabinetry, Drywall & Wallboard Installation, Painting and Paper Hanging, Interior Painting (residential & commercial) Artisan contractors with at least 1 full-time employee and a minimum payroll of $25,000 Accounts with elevated experience modification factors (high mods) are considered — underwriting review required Coverage Highlights and Advantages Workers compensation capacity for a wide set of carpentry and interior-trade classes Multiple carrier options — PMC works with varying markets to secure competitive terms Pay-as-you-go premium payment solutions available to help insureds manage cash flow and audit exposure Program suitable for both residential and light commercial interior work Underwriting Notes and Submission Requirements Underwriters typically look for clear payroll documentation and recent loss history. Key program qualifiers and restrictions: Qualification: minimum of 1 full-time employee and at least $25,000 in payroll Starting premium: policies can be written starting at $2,000; final minimum premium varies by carrier and state Ineligible risks: work with height exposures over two stories and roofing risks are not accepted High experience mods are accepted on a case-by-case basis — provide loss history and explanatory notes Required submission items: Completed ACORD application 3–5 years of loss runs Experience Mod (Mod) sheet Example Accounts That Fit This Program A cabinetry contractor with $40,000 payroll, primarily performing residential installations and light commercial millwork — lower height exposures, steady loss history. An interior finishing crew specializing in drywall and painting for multi-unit residential projects (under two stories) with a recent high mod — underwriting review for acceptance with tailored terms and pay-as-you-go available. Territories and Availability Availability: All Available States. This program currently writes accounts in the following jurisdictions: AL, AZ, AR, CA, CO, CT, DE, FL, GA, 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, TN, TX, UT, VT, VA, WA, DC, WV, WI. Final placement and admitted/non-admitted options depend on carrier appetite and state rules. Why Work With PMC Insurance Group on Carpentry Workers Compensation Wholesale broker placement expertise across multiple carriers for carpentry and artisan trades Flexible solutions for small contractors, including pay-as-you-go and consideration of higher-mod accounts Clear submission requirements that speed underwriting decisions when provided in full Access to markets that understand construction-aligned exposures and payroll dynamics for interior trades For more information about this Carpentry Workers Compensation Insurance program and placement options, please visit pmcinsurance.com or submit the required underwriting documentation through your usual wholesale channel. Frequently Asked Questions What types of carpentry exposures does PMC accept?PMC accepts a broad range of interior carpentry and finish-trade classes including carpentry, flooring, framers, cabinetry, drywall & wallboard installation, and painting. Roofing and work over two-story height exposures are not eligible. What are the minimum qualifications to submit an account?Accounts generally need at least one full-time employee and a minimum payroll of $25,000. Provide a completed ACORD, 3–5 years of loss runs, and the current Mod sheet for best consideration. Can accounts with high experience modification factors be placed?Yes. High-mod accounts are considered on a case-by-case basis. Include loss runs and any risk-control measures taken to improve underwriting outcomes. Are pay-as-you-go options available?Yes. PMC offers pay-as-you-go premium payment solutions through participating carriers to help insureds manage cash flow and reduce audit volatility. Which states and carriers are available?The program is available in all listed states (see storefront for full list). Carriers vary by state and risk profile; final admitted/non-admitted placement depends on carrier appetite and regulatory requirements. Need help placing an account? Connect with a market specialist.

From Commercial Buildings to Coastal Homes! Securing the right Builders Risk coverage can be complex—building codes, municipal requirements, contract provisions, and coverage gaps all create friction for agents and brokers. Maritime Program Group (MPG) simplifies placement with a specialized national Builders Risk program designed for agents who need flexible, reliable solutions for construction-related exposures. Comprehensive Coverage Backed by Hands-On Expertise MPG provides an exclusive in-house Builders Risk program for new construction and renovation projects—residential or commercial, inland or coastal. Our underwriting team has construction-focused experience and applies practical knowledge to every submission. Whether the job is a custom coastal home, a multi-tenant office build, or a significant renovation, we create terms to fit the project’s realities. Ideal Accounts and Appetite Our program accommodates a wide range of construction risks, including: Residential: custom homes, spec builds, coastal properties Commercial: office, retail, mixed-use developments Renovation and remodeling projects of varying scopes and values We are particularly well-suited for: Coastal properties where setback restrictions would otherwise limit placement Projects needing flexible terms or policy extensions beyond 12 months Accounts that have difficulty placing with standard carriers because of location or complex exposures You might have a client building a custom waterfront home with specialized materials, or a contractor renovating an older mixed-use building in a coastal city—these are the kinds of submissions MPG is built to support. Key Program Features and Benefits MPG’s Builders Risk program delivers flexibility and protection to meet changing project needs: • Pro-rated policies for partial project durations • Instant quotes available by phone • Short-term and extendable policy options • Builder or homeowner may be named insured • Monthly reporting with deposit premium structures • Extensions available beyond 12-month policy terms • Low minimum premiums – $250 for new construction, $500 for renovations We also address exposures many standard programs exclude. Subject to underwriting, our terms can consider theft, tools and equipment, transit exposures, and certain natural disaster scenarios that other markets decline. Direct Underwriting and Responsive Service Maritime Program Group underwrites and issues policies in-house for faster turnaround and consistent communication. Our value-added service features for agents include: • Direct access to experienced underwriters • Fast, responsive service and proactive communication • Industry-specific loss prevention tools • Direct or agency billing options • Competitive commission schedules • Coverage placed through A.M. Best “A” rated carriers Nationwide Availability Our Builders Risk program is available in all 50 states plus Washington, D.C. Whether the project is in California, Florida, New York, or anywhere in between, MPG has the regulatory know-how and market access to support your placement. Why Partner With MPG? As a Managing General Agency with exclusive programs and deep market relationships, Maritime Program Group provides the underwriting expertise and placement tools agents need to write challenging Builders Risk accounts. We specialize in coastal and other higher-difficulty risks and offer practical solutions when standard markets decline or restrict coverage. Reach out to our underwriting team today to discuss your next Builders Risk submission—we’re here to help you place it with confidence. Frequently Asked Questions What types of accounts are a good fit for this Builders Risk program?Our program is suitable for residential and commercial construction, including new builds, renovations, and coastal properties. We accept both small and large projects across all 50 states. Can homeowners be named as the insured?Yes. Policies can list either the builder or the homeowner as the named insured, depending on contractual needs and the project structure. Is this program available for coastal risks?Yes. We specialize in coastal placements and do not impose blanket setback restrictions, making us a strong option for properties near water—subject to underwriting review. How quickly can I get a quote?We offer instant phone quotes and fast turnaround from our in-house underwriting team to help you place business efficiently. Are policies extendable beyond 12 months?Yes. We provide flexible policy terms and can extend coverage beyond 12 months when necessary, subject to underwriting approval. Need help placing an account? Connect with a market specialist.

Insential, Inc. offers a flexible and competitive Contractors Business Auto Insurance program designed specifically for agents and brokers placing commercial auto risks in the construction and contracting industries. Leveraging strong relationships with a variety of carriers, we provide access to markets that can accommodate a wide range of fleet sizes—from individual contractor vehicles to large, multi-unit fleets. Ideal Accounts and Appetite We can help you place accounts for a broad spectrum of contractor-related clients, including: General Contractors Artisan Contractors Service Contractors Building Supply Dealers Specialty Contractors Whether your client is a one-person plumbing operation or a regional electrical contractor with a fleet of vans, our program can offer tailored solutions to address their business auto insurance needs. Coverage Highlights and Advantages Our carriers offer a variety of coverage options to support commercial auto risks, including: Auto Liability and Physical Damage Hired and Non-Owned Auto Liability Symbol 1 (Any Auto) Available in Some Cases We work with multiple carriers, which allows us to present your clients with competitive options and flexible underwriting. Our team understands the unique exposures contractors face on the road—and we’re here to help you find the right fit for each account. Underwriting Notes and Minimum Premiums Minimum premiums vary depending on the account’s size, class, and location. We’re able to review everything from small contractor fleets to more complex risks. Appetite may vary by carrier, so call us to discuss fit and availability for your specific client. Territories and Availability We offer Contractors Business Auto Insurance 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. Some markets are admitted, depending on the state and carrier. Why Work With Insential, Inc. As an experienced Excess & Surplus Lines Broker, Insential brings responsive service, market access, and underwriting expertise to agents and brokers across the country. We understand contractors’ unique vehicle usage and risk profiles, and we work hard to provide coverage solutions that meet your clients’ operational needs. Have a client expanding their fleet? Or a small contractor needing symbol 1 coverage? We’re here to help you place these opportunities quickly and competitively. Call Insential, Inc. today to discuss your Contractors Business Auto Insurance submissions – 888-571-6160 Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for general, artisan, service, and specialty contractors, as well as building supply dealers with commercial vehicle needs. Can you write single vehicles or only fleets?We can accommodate a range of fleet sizes, from single-unit contractors to large commercial fleets. Is Symbol 1 coverage available through this program?Yes, Symbol 1 (Any Auto) coverage may be available depending on carrier guidelines and account qualifications. Are the carriers admitted or non-admitted?Some admitted markets are available, but availability varies by state and carrier. We also work with non-admitted markets as needed. What states is this program available in?This program is available in most U.S. states, including CA, TX, FL, NY, IL, and many others. Contact us to confirm availability in your state. Need help placing an account? Connect with a market specialist.

...ake you feel right at home with us, Cochrane & Company offers a flexible and c...n a non-admitted basis. Why Work With Cochrane & Company? As a Managing General Agency with decades of experience, Cochrane & Company understands the need...

General Contractor & Artisan Insurance Market Backed by International Insurance Company of Hannover PLC and rated A15 by AM Best, Gladius Insurance Services, LLC offers a focused General Contractors Insurance program designed for a broad range of construction professionals. As an Excess & Surplus Lines Broker, Gladius provides flexible non-admitted solutions for more challenging and diverse construction risks that standard admitted markets may decline. Overview of the Program From Gladius Insurance Services This program is tailored for general contractors, paper GCs, artisan trades, custom and spec home builders, and construction managers. It accepts both established firms and new ventures, including accounts with no prior coverage or with prior claim activity. The market is competitively priced with minimum premiums starting at $3,000.00 and offers underwriting flexibility for higher-exposure operations. Ideal Accounts and Appetite Gladius targets a wide variety of contractor classes, including: General Contractors (including Paper GCs) Custom and Spec Home Builders Roofers Construction Managers Restoration Contractors Artisan Trades (e.g., carpentry, painting, drywall) Tract home construction and apartment work are eligible with underwriting approval. New residential and commercial construction projects are welcome, and the program allows 100% subcontracted work when documented appropriately. Coverage Highlights and Advantages Accepts new ventures and accounts with no prior insurance Will consider accounts with prior claims activity Eligible for tract work and apartment construction upon underwriting review Roofing and restoration contractors accepted Paper GCs are a preferred class This market is positioned to place higher-risk or nonstandard general construction accounts that may be difficult to place in admitted markets. The program offers tailored terms and flexible underwriting to match the insured’s operations and exposures. Underwriting Notes and Minimum Premiums Underwriting evaluates each account on its own merits. Minimum premiums start at $3,000.00. Factors that will influence terms include revenue, percent of subcontracted work, project types, claims history, safety controls, and contract wording. Provide full details of operations, job types, payroll/subcontractor splits, and loss runs to speed placement. Ineligible Risks While appetite is broad, the following risks are not eligible for this program: Airport construction Demolition involving explosives Fire suppression system installation or service Elevator installation or maintenance Bridge work Gas stations Blasting and tunneling Territories and Availability This program is currently available in the following states: AZ, CA, CT, FL, ID, IL, IN, NV, NJ, ND, OH, OR, PA, TX, UT, and WA. Why Work With Gladius Insurance Services? Gladius combines construction underwriting expertise with access to an established E&S carrier. That combination makes them a solid option when you need flexible terms, coverage for new ventures, or placement for accounts with prior losses. Their team is set up to evaluate complex risk profiles and provide responsive submissions and tailored endorsements. Example fits for this program: A small custom home builder in California who is a new business with no prior policy — Gladius can consider placement with standard safety documentation and start-up underwriting. A restoration contractor in Florida with a recent claim history — Gladius will review loss details and may provide competitive terms where admitted markets have declined. Frequently Asked Questions What types of accounts are a good fit for this program?This program is well suited to general contractors, paper GCs, custom and spec home builders, roofers, artisan contractors, and construction managers — including new ventures and accounts with prior claims. Are new construction projects eligible?Yes. Both residential and commercial new construction projects are acceptable, subject to underwriting review. Can I submit accounts with no prior insurance or claims history?Yes. Gladius accepts new ventures and accounts with no prior coverage, and they will also consider accounts that have previous claim activity. Is 100% subcontracted work allowed?Yes. Accounts that fully subcontract their work are eligible, provided subcontractor controls and documentation are adequate. Which states is this program available in?The program is available in AZ, CA, CT, FL, ID, IL, IN, NV, NJ, ND, OH, OR, PA, TX, UT, and WA. Need help placing an account? Connect with a market specialist.

Construction Insurance Allstar Underwriters, a division of Allstar Financial Group, offers a specialized Construction Insurance program designed to help agents place business with a wide range of construction-related risks. As a Managing General Underwriter and Excess & Surplus Lines Broker, Allstar provides flexible underwriting options and responsive service tailored to the needs of contractors and related industries. Our Small Business Solutions division streamlines the quoting and binding process, making it fast and efficient for agents to secure coverage for their clients. Whether your insured is a general contractor, a subcontractor, or operates in associated fields like retail buildouts or tenant improvements, we offer scalable solutions to meet their risk profiles. Ideal Accounts and Appetite This program is well-suited for a variety of construction and real estate-related risks, including: Contractors (general and trade-specific) Habitational properties Office buildings Vacant properties Retail and wholesale spaces Institutional facilities You might have a client who operates a small general contracting firm with occasional use of uninsured subcontractors—this program can offer the flexibility and coverage enhancements to help manage their liability exposures. Coverage Highlights and Advantages Casualty Coverage: Available as monoline or part of a package Minimum premium starting at $500 Primary liability limits up to $5 million per occurrence/$5 million aggregate Project-specific policies available Coverage available for accounts with uninsured subcontractors Optional enhancements, including: Blanket Additional Insured Waiver of Subrogation Primary & Non-Contributory wording Per Project/Per Location Aggregate Limits Hired & Non-Owned Auto (certain classes) Miscellaneous Professional Liability (certain classes) Umbrella Coverage: Limits available up to $5 million Minimum premium starting at $750 Supported or unsupported options Underwriting Notes and Minimum Premiums Allstar works with multiple carriers and can access both admitted and non-admitted markets, depending on the risk and state. Minimum premiums vary by type of coverage and account profile, but start as low as $500 for casualty and $750 for umbrella. Underlying carrier requirements include: Auto or GL carriers rated A-VI or better by AM Best Employers Liability carriers rated B++ or better Standard GL requirements: $1M/$2M/$2M Territories and Availability This program is available in most states, with a strong presence in the Southeast. States currently targeted include: AL, GA, LA, MS, NC, SC, TN, and VA. Why Work With Allstar Financial Group Allstar Financial Group brings deep expertise in construction-related insurance and offers agents a streamlined way to place challenging or niche accounts. With access to multiple carriers and a dedicated underwriting team, Allstar provides responsive service, competitive pricing, and flexible options that help you serve your clients more effectively. Whether you're placing a ground-up construction project, a rehab of a vacant property, or a contractor with complex subcontractor exposures, Allstar is a reliable partner for construction insurance solutions. Frequently Asked Questions What types of construction risks are eligible for this program?The program targets contractors, habitational risks, offices, vacant buildings, retail/wholesale spaces, and institutional properties. Can I place accounts with uninsured subcontractors?Yes, the program accepts certain risks with uninsured subcontractors and offers optional coverage enhancements to address this exposure. Are project-specific policies available?Yes, project-specific general liability policies are available as part of the construction insurance offerings. What is the minimum premium for coverage?Casualty coverage starts at a minimum premium of $500, while umbrella coverage starts at $750. Actual premiums may vary based on the account. Which states is this program available in?The program is available in AL, GA, LA, MS, NC, SC, TN, and VA, with broad access in most other states. Need help placing an account? Connect with a market specialist.

Overview of the Vacant Dwelling Insurance Program from Jacobs & Associates Jacobs & Associates provides a targeted Vacant Dwelling Insurance program for residential and commercial buildings that are temporarily unoccupied. As an Excess & Surplus Lines broker, Jacobs & Associates places hard-to-place vacant properties through non-admitted carriers, giving you access to flexible short-term solutions when standard markets are not an option. Ideal Accounts and Appetite This program is designed for agents and brokers who need short-term protection for vacant properties. Typical fits include: Vacant single-family homes, duplexes, and multi-family units with or without renovations Vacant commercial buildings (retail, office, light industrial) undergoing renovation or between tenants Builders risk for residential or commercial projects during short construction or renovation periods Accounts that generally do not fit include properties requiring flood or earthquake-only coverage enhancements, accounts with significant prior losses that remain open, or operations with ongoing occupancy and regular business activities. Coverage Highlights and Advantages Jacobs & Associates uses ISO forms to provide clear, standardized coverage. Key policy elements include: Building & Personal Property – CP 00 10 Builders Risk – CP 00 20 Condo Unit Owners – CP 00 18 Basic Causes of Loss – ISO CP 10 10 Premises Liability – ISO CG 00 01 Important underwriting limitations: this program excludes coverage for theft and water damage. Use it when you need property and liability protection for short vacancy periods but can accept those exclusions. Policy Terms, Deductibles, and Minimums Available term options: 3-, 6-, or 12-month policies. Quarterly installment plans are available on 12-month policies. Standard deductibles: Property (no renovations): $250 per occurrence Property (with renovations): $500 per occurrence Liability: $250 per occurrence Minimum retained premiums vary by term: annual, six-month, and three-month policies all include minimum retained amounts (see your underwriter for specifics and applied minimums on each placement). Territories and Non-Admitted Positioning This Vacant Dwelling Insurance program is currently available to agents placing risks in Ohio (OH). Jacobs & Associates operates as an Excess & Surplus Lines broker, placing business in the non-admitted market when standard admitted options are unavailable or unsuitable. Underwriting Notes and Submission Tips Provide a clear vacancy timeline and details of any renovation work—underwriting differentiates between passive vacancy and active construction. Include prior loss history for the property and any active or recent claims related to water, theft, or vandalism. Photos of the property (interior and exterior), contractor details for renovations, and a schedule of values for builders risk submissions help speed approval. Expect stricter underwriting when properties are vacant for extended periods or located in higher-risk areas. Why Work With Jacobs & Associates Jacobs & Associates specializes in placing challenging vacant property risks through a range of non-admitted carriers. Their strengths for agents include: Access to multiple E&S markets for hard-to-place vacant dwellings and builders risk Clear use of ISO forms so coverage scope is predictable and consistent Flexible short-term policy terms and payment options to match transaction timelines Underwriting that accommodates properties with controlled renovation activity Example Scenarios You might have a client who owns a vacant duplex while waiting for a sale and needs short-term property and liability protection without committing to a long-term policy. Or, a commercial investor renovating a small retail strip center requires builders risk and premises liability coverage between tenants—this program can provide a temporary solution while renovations are completed. Learn more about Jacobs & Associates on their CompleteMarkets profile. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include vacant residential homes and duplexes, commercial buildings between tenants or under renovation, and short-term builders risk for both residential and commercial projects. Is this program available outside of Ohio?No. This Vacant Dwelling Insurance program is currently offered only for risks placed in Ohio. Are theft and water damage covered under this policy?No. The program excludes coverage for theft and water damage, so consider additional or alternative coverage if those perils are a concern. Can I get coverage for a property undergoing renovations?Yes. Both residential and commercial properties with active renovations are eligible, but underwriting will require details about the scope of work and contractor controls. What are the available policy terms?Policies may be written for 3, 6, or 12 months. Quarterly payment plans are available on 12-month policies. Need help placing an account? Connect with a market specialist.