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...ath care industry. Designed for cemeteries, crematories, cemetery management c...he risks associated with operating cemeteries, crematories, and related facili...

...ng parochial schools, daycares, cemeteries and community social-service progra...rochial schools, daycare programs, cemeteries and community outreach services....

Brownyard’s PCOpro® is a specialized insurance program designed to meet the unique needs of Pest Control Operators (PCOs) and Wildlife Control Operators. As an industry leader, Brownyard provides comprehensive liability coverage and a range of additional protections to safeguard businesses from the risks they face in their daily operations. With a strong focus on general and professional liability, PCOpro offers broad protection against potential claims, including coverage for environmental exposures and business-related liabilities. The program also includes options for commercial auto, workers’ compensation, property, inland marine, and employee dishonesty coverage, ensuring a well-rounded approach to risk management. PCOpro is available through highly rated insurance carriers and is written at competitive premium rates. Licensed and admitted in most states, the program is accessible through insurance agents or brokers, making it a reliable and trusted solution for pest control professionals nationwide. By continually adapting to industry changes and emerging risks, Brownyard’s PCOpro remains a state-of-the-art insurance solution, offering peace of mind and financial protection for businesses in the pest control industry.

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.

The Salon and Spa Specialty Insurance agency (SASSI), a division of Brownyard Group, has been a leading innovator in specialized liability coverage to the beauty industry for over 90 years. SASSI provides a wide range of insurance coverages for these target classes: Salons & Spas Beauty Shops / Hair Stylists Barber Shops Booth / Chair Renters Independent Operators Nail Salons Hair Removal Services Beauty Schools We’re ready to review your submissions today. Send full applications to [email protected] for clients you think might fit our program. https://brownyard.com/insurance-programs/beauty-salon-insurance/ Why SASSI? Deep understanding of the beauty industry Quick & painless coverage with direct billing options Policies for individuals and businesses Specialized protection from a leading MGA with more than 10 exclusive industry programs COVERAGE HIGHLIGHTS Professional Liability including: Laser Treatments, Skin Care Treatments (Facials, Chemical Peels, Microdermabrasion), Makeup Application, Massage Therapy, Electrology, Hairdressing, Permanent Waving, Hair Weaving, Hair Dying, Nail Care Services, Aromatherapy Service, Full Body Massaging, Body Wrapping, Spray Tanning, Exfoliation, Reflexology, Skin Care (AHA Acids), Esthetic & Slenderizing Services and Waxing. General Liability Commercial Property & Inland Marine Business Owners Policy Electrologists Program Coverages (Professional Liability & Premises Liability)

Don R. Jensen & Company offers a specialized Workers Compensation Insurance program tailored to the needs of businesses in the hospitality industry. Whether your client operates a boutique hotel, a chain of fast-food restaurants, or a bustling entertainment venue, our program provides dependable coverage at competitive rates to help protect employees and business operations. Ideal Accounts and Appetite We work with a wide array of hospitality businesses. This program is ideal for accounts with active operations in the following segments: Hotels, Motels, & Resorts Property Management Firms Casual and Fine Dining Establishments Fast Food and Catering Services Bars, Taverns, and Nightclubs Golf Courses and Bowling Alleys Roller Skating Rinks and Ice Rinks Amusement Parks and Theatres Concert Halls, Dance Schools, Gyms, and Health Clubs YMCA and similar recreational facilities You might have a client who owns a group of fast-casual restaurants across multiple states or a regional amusement park operator — both are excellent fits for our program. Coverage Highlights and Advantages Our Workers Compensation Insurance helps protect your clients from the financial impact of workplace injuries and illnesses. We understand the unique exposures in hospitality — from kitchen burns and slips in hotels to injuries sustained in entertainment venues — and work with carriers who offer strong claims management and risk mitigation support. Underwriting Notes and Minimum Premiums Premiums for our hospitality program start at just $2,000, making it accessible for a wide range of businesses. To submit an account, please include the following: Completed Acord Application 3 Years Currently Valued Loss Runs Experience Mod Worksheet Please send all submissions to [email protected] Territories and Availability This program is available in most U.S. states, including but not limited to CA, TX, FL, NY, IL, and GA. We write in all available states and can help you place business across a broad geographic footprint. Why Work With Don R. Jensen & Company? As a wholesale broker with decades of experience, Don R. Jensen & Company offers reliable market access and responsive service. We understand the nuances of the hospitality industry and can help you navigate complex workers compensation placements. Our carrier relationships vary, giving us flexibility to find the right fit for your client’s unique operations. For more information about Don R. Jensen & Company and our coverage options for hospitality industry workers’ compensation insurance visit www.drjco.com. Frequently Asked Questions What types of accounts are a good fit for this program?This program is designed for hospitality businesses including hotels, restaurants, bars, entertainment venues, gyms, amusement parks, and similar operations. What are the submission requirements?Submissions must include a completed Acord application, 3 years of currently valued loss runs, and an Experience Mod Worksheet. What is the minimum premium for this program?The minimum premium starts at $2,000, making it suitable for a wide range of hospitality businesses. Is this program available in all states?Yes, we offer coverage in all available states including CA, TX, FL, NY, and many others across the U.S. Who should I contact to submit an application?All submissions should be emailed to [email protected] for prompt review by our underwriting team. Need help placing an account? Connect with a market specialist.

...s of commerce Country clubs Cemeteries Concerts and festivals Fitness ...

The advantages of working with Pride Risk include: Lower upfront costs More predictable cash flow Unmatched focus on loss control Convenience of a committed partnership Overview — PRS High Hazard/High Mod Workers' Compensation Pride Risk Solutions, Inc. offers the PRS High Hazard/High Mod Workers' Compensation program for agents who need a reliable, specialty market for difficult-to-place workers’ comp accounts. As a program administrator with access to admitted capacity (Lion Insurance Company and State National Insurance Company in CA, NY & KY), Pride Risk focuses on higher-risk classes and employers with elevated experience modifiers or past coverage gaps. Ideal Accounts and Target Classes This program is built for insureds who struggle to find affordable, admitted coverage in traditional markets. Typical classes include: Manufacturing HVAC / Sheet Metal Masonry Landscaping Electrical, Plumbing, Painting Food Processing, Bakeries, Hospitality Warehouse operations and cold storage Trucking / Transportation Retail / Wholesale and Property Management Janitorial / Residential cleaning Staffing (excluded in NY) Seasonal operations (advised upfront) Heavy construction — NY artisan construction only (request acceptable codes) Who this program helps Accounts with experience modifiers over 1.00 Employers with prior cancellations, non-renewals, or gaps in coverage Businesses with large prior losses or poor claims history that need structured loss control Prospects with few placement options outside of a State Insurance Fund You might have a client with a 1.25 X-mod in manufacturing who has been quoted only by the state fund — Pride Risk can provide an alternate admitted solution. Or you may represent a warehouse operation with a history of large claims that needs a partner focused on loss control and predictable cash flow. Coverage Highlights and Program Advantages Access to admitted carriers where available; non-admitted placements considered as appropriate Underwriting tailored to high-mod, high-hazard classes with strong loss-control emphasis Faster initial non-binding indications (1–2 business days) and structured approval timelines (3–7 business days) Simplified binding requirements to accelerate placement once approved Appetite and Common Exclusions Typical exclusions and restrictions include: Towing USL&H exposure Hazardous materials handling Accounts with greater than 25% use of part-time labor Underwriting Notes — What we need for a complete submission To obtain a competitive quote through one of Pride Risk’s appointed Managing General Agents (MBAs), provide the following documentation: ACORD 130 Complete description of operations Five years of fully valued loss runs Screenshot or copy of the experience modifier (X-Mod) Industry-specific supplemental application Target premium Typical underwriting indicators that improve placement odds include clear loss-control programs, detailed operations descriptions, and credible plans to reduce frequency and severity. Rate Quotes, Approvals and Binding Non-binding rate indications: 1–2 business days Underwriting approvals: typically 3–7 business days Required to bind: Signed ACORD 130, signed request to bind including signed proposal and signed supplemental. A $1,000 policy fee and a no-loss letter (if applicable) may also be required. Minimum premium varies by state and industry. Territories and Carriers Territories available: AL, AZ, CA, CO, FL, GA, IL, KY, LA, MD, MS, NV, NJ, NM, NY, NC, OK, PA, SC, TN, TX, VA and DC. Pride Risk places business with Lion Insurance Company and State National Insurance Company (for CA, NY & KY) where appropriate. Admitted capacity is available in many states; consult Pride Risk or its appointed MBA for state-specific admitted/non-admitted options. Why work with Pride Risk Solutions, Inc.? Program administrator experienced in placing high-mod, high-hazard workers’ comp risks. Partnership-focused approach: underwriting and loss control work together to manage severity and improve renewals. Faster indications and a streamlined binding process for time-sensitive renewals or cancellations. Support for larger wholesalers, MGAs/MGUs — appointment opportunities available for partners who meet performance expectations. Contact Pride Risk today if you want access to this program through one of its appointed MBAs. If you are a large wholesaler, MGA, or MGU and can meet performance expectations, inquire about becoming appointed. Frequently Asked Questions What types of accounts are a good fit for the PRS High Hazard/High Mod program?Accounts in manufacturing, HVAC/sheet metal, masonry, landscaping, food processing, warehouse/cold storage, transportation, and similar high-hazard classes are a strong fit — especially those with X-mods over 1.00, prior cancellations, or limited market options. What documentation is required for a complete submission?Provide a completed ACORD 130, a full description of operations, five years of fully valued loss runs, a copy or screenshot of the experience mod, any industry-specific supplemental, and the target premium. How quickly can I expect a rate indication or an approval?Non-binding rate indications are typically available in 1–2 business days. Underwriting approvals generally take 3–7 business days, depending on class and documentation completeness. Are there states or classes the program will not consider?The program excludes towing, USL&H exposure, hazardous materials handling, and accounts with greater than 25% part-time labor. Availability varies by state; consult Pride Risk for state-specific limitations. Need help placing an account? Connect with a market specialist.