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BrownGuard® security professional insurance, developed by Brownyard Group over 50 years ago, provides specialized liability coverage tailored for the security guard industry. As one of the largest insurance providers in the U.S., Brownyard offers competitive pricing and comprehensive coverage for private security guard contractors, proprietary security guard contractors, governmental security contractors, executive protection contractors, and private security contractors for homeowners associations. BrownGuard® policies are backed by highly rated insurance carriers and are available through insurance agents and brokers at competitive premium rates.

Brownyard is pleased to provide coverage to private investigators and security consultants through PI Protect, developed by Brownyard in cooperation with industry professionals. We are recognized as one of the largest insurance providers to the PI/Security Consultant industry. PI Protect is written with highly rated insurance carriers at competitive premium rates through insurance agents and brokers.

New Workers Compensation Insurance Program From Phoenix Risk Management Phoenix Risk Management offers a flexible and competitive Workers Compensation Insurance Program designed for a wide range of industries and business types. Available in most states, this program is backed by a national “A” rated carrier and provides broad underwriting flexibility to help you place hard-to-fit accounts or emerging businesses with confidence. Ideal Accounts and Appetite This program is ideal for small to mid-sized businesses with at least $250,000 in payroll in the governing class code. Phoenix Risk Management welcomes a variety of industries, including new ventures, staffing agencies, and trucking operations—with specific underwriting thresholds for each. Staffing Companies: Minimum premium of $15,000 with a mandatory deductible. Trucking Companies: $25,000 minimum premium for accounts with no owner-operators. $50,000 minimum premium for accounts with up to 15% owner-operators. General Business Accounts: Must have a loss ratio between 40%–60% over the past three years. You might have a client with a growing manufacturing operation or a newly launched staffing firm—both could be a strong fit under this program’s flexible underwriting approach. Coverage Highlights and Advantages No class code restrictions – Underwriting is open to a wide range of industries. Pay-as-you-go payroll reporting – Helps insureds better manage cash flow. Deductible options – Starting as low as $1,000 per claim, with no collateral required for deductibles under $10,000. New ventures accepted – Ideal for clients launching new operations. No financials or deposits required – The only upfront cost is the first month’s payroll report. Underwriting Notes and Minimum Premiums Minimum Payroll: $250,000 in the governing class code. Minimum Premiums: As low as $2,000 depending on the account. Loss History: Preferred loss ratio between 40%–60% over the last three years. Deductibles: Available with no collateral under $10,000. Territories and Availability This program is available in most states, including but not limited to: CA, TX, FL, NY, IL, GA, PA, OH, and WA. A full list of participating states includes: 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. Why Work With Phoenix Risk Management? Phoenix Risk Management is a trusted Managing General Underwriter and Excess & Surplus Lines Broker with deep expertise in workers compensation placement. Their streamlined underwriting process, access to top-rated carriers, and flexible program design make them an excellent partner for brokers and agents looking to place a variety of WC risks. With no financials or deposits required and a national “A” rated carrier backing the coverage, this program allows you to confidently serve your clients’ workers compensation needs. Frequently Asked Questions What types of accounts are a good fit for this Workers Compensation program?Ideal accounts include businesses with at least $250,000 in payroll in their governing class code, new ventures, and companies with a loss ratio between 40%–60% over the past three years. Staffing and trucking companies may also qualify with certain minimum premiums and underwriting requirements. Is this program available in my state?The program is available in most states, including CA, TX, FL, NY, and many others. Please refer to the full state list or contact Phoenix Risk Management for eligibility in your area. Are there any financial requirements for submission?No financial statements are required. Additionally, no deposits are necessary—only the first month’s payroll report is needed to initiate coverage. Can new ventures apply for coverage under this program?Yes, new ventures are acceptable and welcomed under this program, provided they meet the minimum payroll and other underwriting criteria. What deductible options are available?Deductibles start as low as $1,000 per claim. No collateral is required for deductible options under $10,000. Need help placing an account? Connect with a market specialist.

Comprehensive Workers' Compensation Solutions from Eastern Premiere Insurance Center Eastern Premiere Insurance Center (EPIC) offers a flexible and competitive Workers' Compensation program designed to help agents and brokers place a wide range of accounts, from small new ventures to large, established operations. With access to top-rated carriers and a strong underwriting team, EPIC helps you deliver fast, reliable, and well-priced Workers' Comp solutions for your clients across nearly all industries. Ideal Accounts and Appetite This program is built to accommodate a broad range of businesses, making it easy to find a home for even your more complex or hard-to-place risks. Key appetite highlights include: New ventures and start-up operations are welcome Small businesses with minimum premiums starting around $700 Large accounts with high payroll and multi-state operations Monoline Workers' Comp placements For example, you might have a client launching a small contracting business or a real estate investor needing monoline coverage for property management staff—EPIC can quote these types of accounts quickly and competitively. Coverage Highlights and Advantages Same-day quotes available for many submissions Up to 10% commission for appointed agents Access to National Liability & Fire Insurance Co. and other top carriers New California-specific rate reductions: 10.4% in June plus an additional 12% cut effective July 1, 2005, for Monoline Workers' Comp Whether you're insuring a first-time business or a large multi-location operation, EPIC's program offers competitive pricing and fast turnaround for agents who need efficient solutions for time-sensitive accounts. Additional Program – Real Estate Building Commercial Package Lessors Risk Only Highly competitive pricing with broad coverage terms Coverage available for small to high-valued HPR buildings 24-hour quote turnaround available up to $15 million per building, covering up to 10 buildings per policy Ideal for rush escrow closing cases with high building limits Underwriting Notes and Minimum Premiums Minimum premiums vary by state and class of business, with entry points as low as $700. EPIC's underwriting team works with you to evaluate risk and find the right market, whether you're submitting a single-location retailer or a multi-state logistics company. Territories and Availability This Workers' Compensation program is available nationwide, including all 50 states and the District of Columbia. Whether your client is based in California, New York, Texas, or anywhere in between, EPIC can help you secure the coverage they need. Why Work With Eastern Premiere Insurance Center? As a trusted Managing General Agency, EPIC leverages decades of market experience and strong carrier relationships to support agents with responsive service, aggressive pricing, and flexible underwriting. Their dedication to fast quote turnaround and broad risk appetite makes them a valuable partner for agents working with businesses of all sizes and types. From monoline Workers' Comp to complex real estate packages, EPIC helps you close more business, faster. Frequently Asked Questions What types of accounts are a good fit for this Workers' Comp program?The program fits a wide range of businesses, including new ventures, small businesses, and large operations. Ideal accounts include contractors, real estate managers, retailers, and service-based industries across all states. Can I submit new ventures or start-up businesses?Yes, new ventures are welcome. Eastern Premiere Insurance Center works with agents to evaluate and place start-up risks efficiently. How quickly can I get a quote?Same-day quotes are available for many submissions, especially for monoline Workers' Comp. Complex accounts may require additional underwriting time. Is this program available in all states?Yes, the program is available in all 50 states and Washington, DC. EPIC has national reach with carrier access to support business in any state. Are commissions available for agents?Yes, appointed agents may earn up to 10% commission on Workers' Comp placements through EPIC, depending on the account and carrier. Need help placing an account? Connect with a market specialist.

Are your clients still not buying this coverage? Is it because they do not know about Cyber Insurance and how to manage their risk? We have a solution. We now have access to a new market that combines Cyber Risk Management AND Comprehensive Cyber Coverage, assisting your clients, before, during AND after an incident, at affordable rates. With every quote, your client will receive a tailored assessment of their cyber risk, as compared to the company’s other policyholders. As a policyholder, they will then have access to a security team that will provide additional risk information and assist your clients in implementing security and loss controls, at no additional cost. Coverage is written on A+/A (A.M. Best) rated Swiss Re Corporate Solutions and Argo Group paper. We can provide coverage up to $10M for Cyber Insurance and technology! Most worldwide attacks are directed to small and medium sized businesses and the cost of the coverage is very reasonable. Your clients can’t afford not to be covered. We can quote and bind in house providing quick turn around. Obtain a quote today! Coverage Includes: • Business Interruption & Extra Expenses • Contingent Business Interruption • Funds Transfer Fraud • Cyber Extortion • Computer Replacement • Bodily Injury & Property Damage • Pollution • Service Fraud • Network & Information Security Liability • Regulatory Defense & Penalties • Multimedia Content Liability • PCI Fines & Assessments • Digital Asset Restoration • Breach Response • Crisis Management & Public Relations • Many Enhancements Available We will acknowledge the submission via e-mail within 24 hours. If you do not receive a response from us, please call us at 860-527-9717. AP Advantage, a division of Chamber Insurance Agency Services LLC