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...xed-use buildings with residential units Whether your client is a single-... mixed-use buildings with residential units. What are the liability and proper...

Commercial Scheduled Rental Dwelling Program from Continental Ris... use—such as street-level shops with rental units above—are eligible. What valuation...

...e debris removal is automatic and rental value is included up to 20% of Covera...lacement cost estimate or valuation. Rental accounts should include rental history and intended use. In which...

...s ideal for fleets with 11 or more units, especially in California, as well as...

USL&H and MEL Insurance — Program Overview Continental Risk / Continental Marine Insurance Services offers a tailored USL&H and Maritime Employer's Liability (MEL) program designed for agents placing longshore, harbor and other maritime exposures. This program supports federal maritime acts (USL&H, Defense Base Act, Outer Continental Shelf Lands Act, Non-appropriated Fund Instrumentalities Act) and companion state act placements when appropriate. Coverage can be written on admitted or surplus lines placements depending on state and risk — some admitted markets are available alongside excess & surplus options. Ideal Accounts and Appetite This program targets contractors and employers with incidental to primary maritime exposure. Typical fits include: • Marine contractors, ship repair and engine repair crews • Crane installation/repair and rigging operations • Onshore contractors working on docks, piers, platforms, and vessels • Specialty trades with incidental marine exposure (electricians, welders, carpenters, painters, HVAC/refrigeration technicians) • Service providers supporting maritime operations (pest control, communications repair, fire extinguisher servicing) You can place both single-location and multi-state accounts; the program accepts small to large accounts where maritime exposure is a primary or incidental component of operations. Coverage Highlights and Advantages Full coverage for applicable federal maritime acts (statutory limits for federal acts) and MEL with employer’s liability limits generally offered to $1,000,000. Flexible plan designs: first dollar, loss-sensitive rating plans, excess over qualified self-insurance, and deductible options. Program experience in pairing federal acts with companion state act placements where needed to address state-specific exposure. Access to multiple carrier markets — capacity varies by risk, enabling admitted placements in some states and E&S solutions elsewhere. Underwriting Notes and Minimum Premium Underwriters will evaluate payroll split by exposure, percent of hours worked over water or on vessels, use of subcontractors, safety programs, and prior maritime claims history. Typical information requested: Detailed payroll and class code breakdown Descriptions of shore-side versus vessel work and crew exposure Copies of contracts with government entities or vessel owners (if applicable) Loss runs and safety program documentation Minimum premium: $15,000. Programs may offer deductible or loss-sensitive structures for larger accounts; excess over qualified self-insurance is available for experienced employers. Territories and Availability Continental Risk places business nationally in the following states and territories: 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. What Fits / What Usually Does Not Good fits: employers with clear maritime exposures, controlled subcontractor usage, documented safety programs, and manageable payrolls that justify the federal act placement. Less likely: highly hazardous offshore oil & gas drilling contractors with complex multiple-layered liabilities or accounts with poor loss histories that require specialized, bespoke energy-market capacity. Examples You Can Place Through This Program Example 1: A regional marine contractor who performs ship repair and pier maintenance with crews that work both ashore and aboard vessels. You can submit payroll breakdown, loss runs, and contract scope to be evaluated for a combined USL&H / MEL placement. Example 2: A municipal harbor services vendor providing crane installation and communications repair with incidental vessel exposure. The program can consider first-dollar or deductible structures and companion state act coverage when state law creates exposure. Why Work With Continental Risk / Continental Marine Insurance Services Specialized underwriting and placement experience in maritime and longshore risks. Access to a variety of carrier markets for admitted or surplus lines placement depending on the state and appetite. Flexible plan designs to align with insureds’ loss experience and self-insurance programs. Responsive submission handling for agents: clear requirements and structured underwriting review. For submissions, include payroll detail by class, a description of vessel/shore work split, loss runs, and copies of any government or vessel contracts to speed placement review. Frequently Asked Questions What types of accounts are a good fit for Continental Risk’s USL&H and MEL program?Accounts with workers who perform ship repair, harbor and pier operations, crane installation/repair, or onshore trades that work aboard vessels or over navigable waters. Both primary maritime employers and those with incidental exposure are considered. Are admitted policies available or is this strictly an E&S program?Some admitted markets are available depending on state and risk characteristics. Continental Risk also places coverage in surplus markets when admitted capacity is not available or when program structure requires E&S placement. What is the minimum premium and how are loss-sensitive options handled?The program minimum premium is $15,000. Loss-sensitive and deductible plans, as well as excess over qualified self-insurance, are offered for qualifying accounts; underwriting reviews loss history and payroll to determine eligibility and structure. Which states do you write in?The program is available nationally across the listed states and DC, including coastal and inland states where maritime exposures occur. Availability may vary by carrier market and state regulatory restrictions. What materials should I include with a submission to speed placement?Provide payroll by class code, percent of work over water or aboard vessels, recent loss runs, safety program summaries, and copies of contracts (government or vessel owner) when applicable. These items help underwriters evaluate exposure quickly. Need help placing an account? Connect with a market specialist.

...ed on the type of cargo, number of units, and operating territory. Contact us ...

Comprehensive Personal Lines Coverage from AI Risk AI Risk offers a robust portfolio of Personal Lines insurance programs designed to help agents and brokers place a broad spectrum of residential and personal property risks. Whether you’re working with homeowners, renters, or clients with high-value personal possessions, AI Risk provides flexible solutions backed by the financial strength of AIG. As a Managing General Agency and Carrier, AI Risk delivers responsive underwriting and access to admitted markets across all 50 states, including D.C. This makes it easier for you to serve clients coast to coast with competitive, tailored coverage options. Target Accounts and Ideal Clients AI Risk’s Personal Lines program is ideal for agents placing coverage for: Homeowners with standard or high-value dwellings Renters and condo owners seeking reliable contents and liability protection Clients in flood-prone areas needing primary or excess flood insurance Individuals with valuable collections or high-end personal items Owners of vacant dwellings awaiting sale, renovation, or new tenants High-net-worth individuals needing excess personal liability coverage You might have a client with a second home that is currently unoccupied or a renter looking for contents and liability insurance in a flood zone — AI Risk has solutions for both and more. Coverage Options Offered The Personal Lines program includes a variety of coverage types to meet different client needs: Condos & Tenants Insurance Excess Flood Insurance Flood Insurance Homeowners Insurance Personal Articles Floater Personal Umbrella Liability / Excess Personal Liability Insurance Vacant Dwelling Insurance This diversity allows you to offer your clients comprehensive protection under one program, making account rounding easier and more efficient. Underwriting and Market Access AI Risk underwrites on behalf of AIG, offering admitted products in all available states. The program is suitable for both standard and select non-standard risks, depending on the line of coverage. Agents benefit from: Streamlined quote and bind processes Responsive underwriting support Flexible solutions for unique personal risks Minimum premiums vary by line and risk class. Contact AI Risk directly for underwriting guidelines and pricing specifics. Nationwide Availability AI Risk’s Personal Lines programs are available in all 50 states and Washington, D.C., providing nationwide reach for agents and brokers. Whether your client is in Florida, California, New York, or a smaller market like Wyoming, you have access to the coverage they need. Why Partner with AI Risk? AI Risk combines the underwriting strength of a Managing General Agency with the resources of a national carrier. Their partnership with AIG ensures financial stability and broad appetite, while their dedicated focus on personal lines means you get knowledgeable support on every submission. With AI Risk, agents gain: Access to top-rated markets Expertise in residential and high-value personal lines risks Solutions for complex or underserved accounts Whether you’re placing a straightforward homeowners policy or a layered portfolio for a high-net-worth client, AI Risk provides the tools and expertise to help you succeed. Frequently Asked Questions What types of accounts are a good fit for AI Risk’s Personal Lines program?Ideal accounts include homeowners, renters, condo owners, individuals with valuable personal property, and clients needing flood or umbrella liability coverage. Is this program available in all states?Yes, AI Risk offers its Personal Lines program on an admitted basis in all 50 states and Washington, D.C. What carriers underwrite this program?The Personal Lines program is underwritten by AIG, offering financial stability and broad coverage options. Can I place vacant dwelling risks through this program?Yes, AI Risk provides Vacant Dwelling Insurance as part of its Personal Lines offering, suitable for unoccupied homes awaiting sale, renovation, or tenancy. How do I get started submitting business to AI Risk?Visit their company profile on CompleteMarkets or reach out directly to initiate the submission process and receive underwriting guidelines. Need help placing an account? Connect with a market specialist.

Atlantic Specialty Lines, Inc. offers insurance agents and brokers access to top-tier Personal Umbrella Insurance and Excess Umbrella Insurance markets through an "A++" rated carrier. Whether your client is preferred, standard, high-risk, or has unique exposures such as a DUI or celebrity status, we have tailored solutions with limits up to $5 million or $10 million available in both standard and non-standard markets. Ideal Accounts and Appetite Our broad underwriting appetite includes a wide range of personal clients, such as: Preferred and standard homeowners with clean driving records High-risk individuals with prior violations or DUIs High-net-worth individuals and celebrities Owners of multiple properties or recreational vehicles Small farm and rural clients You can confidently place accounts that require higher liability limits or have more complex personal risk profiles. Coverage Highlights and Advantages Limits up to $10 million available for both primary and excess umbrella Excess UM/UIM included on every quote Coverage includes defense costs outside the limits Pre- and post-judgment interest included No schedule of underlying insurance required No annual aggregate limits Coverage for volunteer activities and host liquor liability Prescription drug liability considered Identity theft resolution services included at no cost Optional direct bill available for added convenience Quick and Easy Quoting You can receive instant online quotes via www.Simple-Rates.com or call us at 1-877-SMPL-R8S for a telephone quote. Our streamlined process helps you secure coverage efficiently for your clients. Territories and Availability This program is available in most states across the Eastern and Midwestern U.S., including: CT, DE, FL, GA, IL, IN, KY, ME, MD, MA, NH, NJ, NY, NC, OH, PA, RI, SC, TN, VT, VA, and DC. Most offerings are on an admitted basis, depending on the state. Why Work With Atlantic Specialty Lines? As an experienced Excess & Surplus Lines Broker, Atlantic Specialty Lines, Inc. offers responsive service, access to an "A++" rated carrier, and flexible solutions for hard-to-place and standard personal umbrella risks. Our team understands the challenges agents face in placing umbrella coverage for a wide range of clients—from everyday families to high-profile individuals. The DIFFERENCE IS CLEAR, see it for yourself! Frequently Asked Questions What types of accounts are a good fit for this Personal Umbrella program?This program is ideal for both standard and high-risk personal lines clients, including those with multiple homes, recreational vehicles, past driving violations, or high public profiles. What coverage limits are available?You can access umbrella and excess umbrella limits up to $10 million, with flexibility based on your client’s risk profile and underlying coverage. Is coverage available in my state?This program is available in most Eastern and Midwestern states, including FL, GA, NY, PA, VA, and others. Contact us for specific state availability. Do I need to provide a schedule of underlying policies?No, a schedule of underlying insurance is not required, simplifying the submission and quoting process. How fast can I get a quote?Quotes are available instantly online through www.Simple-Rates.com or by phone, allowing you to quickly serve your clients’ needs. Need help placing an account? Connect with a market specialist.