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Collection Agency Professional Liability Insurance offered through Monarch E&S Insurance helps agents and brokers place professional liability protection for third-party commercial collection agencies that collect non-owned debt for a fee. This coverage responds to alleged wrongful acts arising from the professional services of debt collection — including errors and omissions, negligence, and certain personal injury allegations (for example, libel or slander) that can arise from collection activity. Overview of the Program From Monarch E&S Insurance Monarch E&S Insurance is a Managing General Agency and Excess & Surplus Lines broker with access to multiple non-admitted carriers. This program is offered on a non-admitted basis and is designed for commercial third-party collection agencies. Underwriting is flexible, and Monarch leverages relationships across markets to deliver tailored solutions for a variety of collection operations that need professional liability protection. Ideal Accounts and Appetite This program targets third-party commercial collection agencies that recover non-owned receivables for clients. Typical accounts include: Agencies collecting on behalf of financial institutions, healthcare providers, utilities, or professional service firms Firms whose operations focus on business-to-business collections rather than high-risk consumer collections Organizations with established compliance programs, documented procedures, and clean claims histories Accounts that primarily handle high-risk consumer debt, have repeated regulatory violations, or a significant adverse claims history may not qualify for this program. Coverage Highlights and Advantages Limits available from $1,000,000 to $5,000,000 Minimum Self-Insured Retention (SIR) of $5,000 Personal injury coverage available for select risks Defense costs may be outside the limits on qualifying accounts Prior acts coverage may be offered for eligible risks, subject to underwriting This product helps protect insureds from claims alleging negligence, mistakes in collection activities, breach of duty in service, and certain personal injury exposures arising from communications or collection practices. Underwriting Notes and Minimum Premiums The program carries a minimum premium starting at $2,500. Underwriters will evaluate years in business, types of debt collected (B2B vs. consumer), loss history, internal controls, compliance procedures, and sample collection agreements. Monarch E&S works with agents to identify required documentation and to expedite quotes — common items requested include applications, loss runs, sample contracts, and descriptions of compliance and quality-control processes. Territories and Availability This program is available to agents and brokers placing business in the following states: Arizona (AZ) California (CA) Hawaii (HI) Nevada (NV) Texas (TX) Why Work With Monarch E&S on This Business Monarch E&S brings deep E&S market expertise and an understanding of the exposures collection agencies face. Their access to multiple non-admitted carriers gives agents more placement options for complex or borderline risks. Agents can expect responsive underwriting, practical appetite guidance, and help assembling competitive submissions for hard-to-place accounts. Example accounts you might place through Monarch E&S: A regional B2B collection firm that manages receivables for small medical practices and needs professional liability coverage to address potential errors in account handling. A utility receivables agency that performs third-party collections for municipal clients and seeks tailored limits and SIR options to match contract exposures. Contact Monarch E&S today to discuss your Collection Agency Professional Liability Insurance accounts and to get placement options for your clients. Frequently Asked Questions What types of accounts are a good fit for this program?Third-party commercial collection agencies that collect non-owned debt for a fee — especially those focused on business-to-business receivables with documented compliance procedures and clean claims histories. Is this program available on an admitted basis?No. The program is offered on a non-admitted (E&S) basis through Monarch E&S Insurance. What are the coverage limits and retention options?Limits generally range from $1 million to $5 million, with a minimum self-insured retention of $5,000. Additional SIR and limit combinations may be available depending on underwriting. Can prior acts coverage be included?Prior acts coverage may be offered for qualified risks after underwriting review; availability depends on loss history and other underwriting factors. In which states is this program offered?This program is currently available in Arizona, California, Hawaii, Nevada, and Texas. Need help placing an account? Connect with a market specialist.

Collection Agents Insurance Program from Donald Gaddis Company Donald Gaddis Company offers a Collection Agents Insurance program designed for the specific liability exposures collection agencies and collection law firms encounter. As a wholesale broker with deep experience in this niche, we provide tailored professional liability and E&O solutions that reflect the realities of a business that relies on frequent outbound communications — calls, letters, emails, and faxes. Many standard professional liability policies contain exclusions for unsolicited communications. While those exclusions target spam or telemarketing abuses, they can unintentionally leave collection firms exposed because contacting consumers is central to their operations. We work with carriers to identify markets and negotiate coverage terms that address those communication-related gaps. Ideal Accounts and Appetite We place accounts for a range of collection-focused operations, including: Third-party debt collection agencies Collection attorneys and law firms Medical debt recovery agencies Retail and commercial receivable collection firms Accounts with frequent low-severity nuisance activity are evaluated on context; frequent minor complaints are not an automatic declination if loss patterns and controls are reasonable. Coverage Highlights and Advantages Negotiated coverage for claims tied to common communication practices (phone, email, fax, mail) Options to limit reporting of minor nuisance claims—particularly those resolved below a deductible threshold High-deductible structures with flexibility on reporting and claim handling Custom E&O and professional liability wording geared to collection industry exposures These features help protect insureds from harassment allegations, FDCPA-style claims, and other communication-based exposures that frequently generate complaints even when litigation does not follow. Underwriting Notes We maintain a fluid list of carrier partners, enabling us to match submissions to the best available market. Our underwriters understand the operational drivers of the collection industry and will work with you to structure terms that fit the account. Key items underwriters review include training and quality-control processes for collectors, complaint handling and dispute documentation, volume and type of outreach, and any prior claim patterns. We can help present accounts with frequent low-severity incidents in a way that emphasizes controls and risk management. Territories and Availability We can write business in most states, including: AL, AZ, CA, CO, FL, GA, HI, IL, IN, IA, KS, MI, MN, MO, NE, NY, NC, OH, OK, PA, SC, TN, TX, VA, WV, and WI. Policies may be admitted or non-admitted depending on the carrier selected and state filing requirements. Why Work with Donald Gaddis Company? As a wholesale broker focused on niche professional lines, Donald Gaddis Company brings market access, technical underwriting knowledge, and advocacy. We understand how to negotiate terms that reflect the practical needs of collection firms and to frame submissions so carriers see the full picture—controls, procedures, and claim context. Example scenarios where this program fits: You have a mid-sized third-party collector that makes high volumes of outbound calls and has several nuisance complaints a year but no lawsuits. We can seek terms that avoid inflating loss runs with every minor incident. You represent a small collection law firm that wants professional liability coverage that explicitly addresses communication exposures typically excluded by standard E&O forms. We can target markets that will consider negotiated communication coverage. If you need help placing an account that struggles with exclusions tied to core collection activities, or you want a market that understands frequent low-severity complaint patterns, connect with our underwriting team. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for debt collection agencies, collection law firms, and third-party debt recovery firms, including those specializing in medical or retail collections. How does the program handle nuisance claims?We offer options that allow insureds to avoid reporting every minor claim, especially those settled under a certain percentage of their deductible. This helps reduce unnecessary loss run entries. Can you cover claims related to communication practices?Yes. We work with carriers to negotiate coverage for exposures related to phone calls, emails, faxes, and other forms of contact that are typical in the collection industry. What states is this program available in?We can place business in most states, including AL, AZ, CA, CO, FL, GA, HI, IL, IN, IA, KS, MI, MN, MO, NE, NY, NC, OH, OK, PA, SC, TN, TX, VA, WV, and WI. Do you require reporting of every claim or incident?No. For insureds with high deductibles, we can often structure terms that allow them to report only significant claims—typically those exceeding 50% of the deductible. Need help placing an account? Connect with a market specialist.

Corporate Collections Insurance Program – Exclusive Fine Arts Coverage Art collections aren’t just decorations—they’re assets that reflect a corporation’s culture, brand, and long-term investment. As a trusted name in fine arts insurance since 1962, Huntington T. Block (HTB) offers a specialized solution to protect corporate art collections of all sizes and types. Designed in collaboration with museum professionals, gallery owners, and private collectors, HTB’s Corporate Collections Insurance Program is one of the most comprehensive offerings in the U.S. market. Ideal Accounts and Appetite This program is designed for corporations that own or manage valuable art collections, display artwork in offices or headquarters, or loan pieces for exhibitions. Ideal clients include: Fortune 500 companies with curated in-office art collections Corporate headquarters featuring rotating or permanent exhibitions Companies that loan art to galleries, museums, or commercial dealers Firms with privately owned or jointly owned artwork You might have a client with a multi-location office setup displaying original artwork, or a company that frequently ships art between offices or to exhibitions—both are great candidates for this program. Coverage Highlights and Advantages HTB’s program is backed by decades of fine arts underwriting knowledge and offers one of the broadest coverage forms in the industry. Coverage includes: Worldwide protection for owned and loaned artwork Scheduled or blanket limits available Coverage for domestic and international transits Legal liability coverage for property of others Coverage for jointly owned items and privately owned collections Protection for artwork at multiple locations under a single master policy Coverage during exhibitions and while on loan Low deductibles starting at $1,000 Automatic reinstatement of limits after each loss Optional CAT coverage for terrorism, earthquake, wind, and flood (subject to underwriting) Underwriting Notes and Minimum Premiums HTB has in-house quoting authority for fast turnaround—typically within 24 hours for complete submissions. Claims are handled by an in-house fine arts team with authority to settle quickly and knowledgeably. Contract and insurance requirement reviews are also available. Minimum premiums typically start at $2,000. Territories and Availability This program is available in all 50 states and Washington, D.C. It is written on paper from Ironshore Indemnity Inc., an A XV rated carrier by A.M. Best. Admitted coverage is available where applicable. Why Work With HTB? As the first firm to launch a stand-alone fine arts insurance program, HTB brings unmatched expertise to the table. With over 60 years of dedicated service to the arts and corporate sectors, HTB offers agents and brokers a reliable, expert-driven solution backed by responsive service, deep underwriting knowledge, and longstanding carrier partnerships. Whether your client is building a collection or already owns a significant portfolio, HTB can help protect their investment with industry-leading coverage and service. Frequently Asked Questions What types of accounts are a good fit for this program?Corporations with owned or loaned fine art collections, including those displayed in offices, stored off-site, or loaned to exhibitions, are ideal candidates. Is this program available nationwide?Yes, the Corporate Collections Insurance Program is available in all 50 states and Washington, D.C. What is the minimum premium for this program?The minimum premium typically starts at $2,000, depending on the risk profile and coverage needs. How quickly can I get a quote?HTB offers in-house quoting authority with typical turnaround times of 24 hours for complete submissions. Does the program include transit coverage?Yes, the policy includes coverage for domestic and international transits, as well as protection while artwork is on loan or in storage. Need help placing an account? Connect with a market specialist.

University Special Collections Insurance Program – Exclusive Fine Arts Coverage for Colleges and Universities Offered by Huntington T. Block (HTB), the University Special Collections Insurance Program is a tailored solution for colleges and universities seeking robust coverage for their irreplaceable fine art and special collections. Since 1962, HTB has led the fine arts insurance sector, combining deep art world expertise with strong underwriting capabilities to serve over 3,000 art-related clients nationwide. Ideal Accounts and Appetite This program is designed specifically for higher education institutions with valuable art assets, archives, rare manuscripts, or historical artifacts. Ideal accounts include: Universities with permanent art collections Colleges with rotating exhibitions or traveling displays Campuses housing libraries of rare books, manuscripts, or special collections Institutions hosting loaned works from museums or private collectors Whether your client is a small liberal arts college or a major research university, HTB can craft coverage that protects their most treasured holdings. Coverage Highlights and Advantages HTB’s University Special Collections Insurance Program offers one of the broadest coverage forms available in the U.S. for fine arts and related property: Exclusive fine arts underwriting facility since 1962 In-house quoting authority for most complete submissions – typically within 24 hours Dedicated fine arts claims department with settlement authority for faster resolutions Coverage from A XV rated carriers (A.M. Best) Property covered includes artworks, historic items, rare books, manuscripts, and more Automatic coverage for items on loan or when instructed to insure by third parties Protection for display materials such as frames, crates, vitrines, video equipment, and registration records Blanket coverage across all university locations Optional CAT coverage for Terrorism, Earthquake, Wind, and Flood (subject to underwriting) “Wall-to-wall” coverage for both permanent and temporary exhibits $1,000 deductible waived for works on loan or in transit Fast issuance of policies, renewals, and certificates Customizable solutions supported by HTB’s $400M in-house binding authority Underwriting Notes and Minimum Premiums This program is available for a minimum premium of $2,000. HTB’s in-house underwriters provide quick turnaround on complete submissions and can tailor terms to match each institution’s unique exposures. Agents benefit from HTB’s expertise in reviewing contracts and insurance requirements related to art loans and exhibitions. Territories and Availability The University Special Collections Insurance Program is available in all U.S. states and the District of Columbia, including AK, CA, FL, NY, TX, and many more. Coverage is offered on both admitted and non-admitted paper, depending on the state and insured’s needs. Why Work With Huntington T. Block HTB stands apart as a Managing General Underwriter with over 60 years of experience focused exclusively on fine arts insurance. Their team includes professionals with deep roots in both the art world and insurance industry, making them uniquely qualified to understand and respond to the needs of colleges and universities. Whether you’re placing coverage for a small collection of rare manuscripts or a large university museum, HTB can help you deliver a best-in-class solution for your client’s most valuable assets. Huntington T. Block Insurance Agency, Inc. is a licensed insurance producer in all states; Texas License # 17489; operating in CA under License # 0825502.All descriptions, summaries or highlights of coverage are for general informational purposes only and do not amend, alter or modify the actual terms or conditions of any insurance policy. Coverage is governed only by the terms and conditions of the relevant policy. Frequently Asked Questions What types of accounts are a good fit for this program?Colleges and universities with permanent art collections, traveling exhibits, rare books, or other special collections are ideal fits. Institutions that loan or borrow artwork also benefit. How quickly can I get a quote for my client?HTB typically provides quotes within 24 hours for complete submissions, thanks to their in-house quoting authority. Does the coverage include items on loan or in transit?Yes, the policy includes "wall-to-wall" coverage that extends to items on loan and while in transit. The standard deductible is waived in these scenarios. Can this program cover multiple campus locations?Yes, blanket coverage is offered across all university-owned locations, simplifying policy management for multi-campus institutions. Is terrorism or flood coverage available?Yes, CAT coverage for perils like terrorism, earthquake, wind, and flood is available, subject to underwriting approval. Need help placing an account? Connect with a market specialist.

Antiques and Collectibles Program from Continental Risk / Co...elling or showcasing antiques and collectibles. Is this program available nationwide?Yes, the Antiques and Collectibles Program is available in all 50 ...

Municipality Fine Art Collections Insurance Program - Exclusive Fine Arts Coverage for State and Local Municipal Governments Huntington T. Block (HTB) is the premier fine arts insurance brokerage in the United States. As the original architect of the "all risk, wall-to-wall" fine arts policy, HTB continues to lead the market by offering tailored insurance solutions for public and private art collections across the country. HTB insures over 1,000 museums, 500 art galleries, and numerous Fortune 500 companies and universities. Their expertise extends to helping state and local municipal governments protect their collections of paintings, sculptures, rare books, historic artifacts, and more. Ideal Accounts and Appetite HTB’s Municipality Fine Art Collections Insurance Program is specifically designed for: City, county, and state-owned museums or historical collections Public universities and libraries with significant art or rare book holdings Municipal buildings housing curated art exhibits or permanent collections Public-sector collections on loan or display in government facilities Whether your client is a city hall displaying regional artwork or a state archive with irreplaceable historical objects, HTB’s program is engineered to meet the unique needs of public institutions. Coverage Highlights and Advantages This program offers robust coverage designed by fine arts professionals and insurance experts. Key features include: “All risk” coverage with proprietary broad-form policy language Low deductibles starting at $1,000 Blanket limits for both owned and loaned objects Worldwide coverage for collections in transit or on exhibit CAT coverage available for terrorism, earthquake, and wind (subject to underwriting) Subrogation waivers, contract review, and expanded insured property definitions Comprehensive valuation clause to support proper settlement HTB’s in-house claims department offers specialized support with unique settlement authority, ensuring claims are handled with the care these valuable assets require. Underwriting Notes and Minimum Premiums HTB has exclusive fine arts underwriting authority and can typically provide turnaround within 24 hours for complete submissions. The minimum premium starts at $1,750 for a $1 million aggregate limit, making it a competitive option for municipal budgets. Territories and Availability This program is available in all 50 states and Washington, DC. No matter where your municipal client is located—from New York to California, or Alaska to Florida—HTB has the licensing and underwriting capabilities to serve them. Why Work With Huntington T. Block HTB has been exclusively focused on fine arts coverage since 1962. Their senior staff brings over 200 years of combined experience, and the program is backed by an A-rated carrier, Ironshore Indemnity Inc. Trusted by the American Alliance of Museums (AAM) and the American Institute for Conservation (AIC), HTB is a name agents can feel confident presenting to clients. If you’re working with a municipality that needs tailored protection for their fine art holdings, HTB offers one of the most experienced and responsive markets available. Huntington T. Block Insurance Agency, Inc. is a licensed insurance producer in all states; Texas License # 17489; operating in CA under License # 0825502. All descriptions, summaries or highlights of coverage are for general informational purposes only and do not amend, alter or modify the actual terms or conditions of any insurance policy. Coverage is governed only by the terms and conditions of the relevant policy. Frequently Asked Questions What types of municipal accounts are a good fit for this program?This program is ideal for public museums, libraries, universities, and government buildings that house or exhibit fine art, historical artifacts, or rare collections. What is the minimum premium for this program?The minimum premium starts at $1,750 for a $1 million aggregate limit, making it accessible for a wide range of municipal budgets. What coverage is available for loaned or traveling art?The program includes blanket limits for both owned and loaned objects, with worldwide coverage for items in transit or on exhibit. Is CAT coverage available through this program?Yes, coverage for terrorism, earthquake, and wind is available, subject to underwriting approval. How quickly can I get a quote?HTB typically provides quotes within 24 hours for complete submissions, thanks to their in-house underwriting authority. Need help placing an account? Connect with a market specialist.

...ems such as jewelry, fine art, collectibles, antiques, and specialty inventory...

Commercial Galleries and Private Art Dealers Insurance Program – Exclusive Fine Arts Coverage from Huntington T. Block (HTB) As an insurance agent or broker serving art galleries and private art dealers, you understand how critical it is to protect valuable and often irreplaceable collections. Huntington T. Block (HTB) offers a dedicated Commercial Galleries and Private Art Dealers Insurance Program designed to meet the specialized needs of commercial galleries and fine art dealers across the U.S. Overview of the Program From Huntington T. Block HTB has been a trusted name in fine arts insurance since 1962. Our in-house team combines deep industry experience in both insurance and the fine arts community, giving brokers direct access to professionals who understand the unique exposures your clients face—from valuation and transit to exhibit risks and loss mitigation. We work with Ironshore Indemnity Inc. and offer admitted coverage in all available states. Our program is tailored to address the diverse and global nature of art transactions, with coverage structured for both domestic and international risks. Ideal Accounts and Appetite This program is best suited for: Commercial art galleries Private art dealers Members of professional art associations, such as ADAA and IFPDA You might have a client who travels internationally to exhibit artwork or who rotates high-value pieces in and out of private collections. HTB’s program is designed to protect those types of exposures with robust, wall-to-wall coverage. Coverage Highlights and Advantages Exclusive fine arts underwriting facility with over 60 years of experience All-risk coverage, including breakage Worldwide transit and location coverage—“wall-to-wall” protection Blanket limits for property in the care, custody, and control of the insured Special clauses for “Loss Buy Back” and “Pairs and Sets” Coverage for works of art on loan, in transit, or at exhibitions/fairs Depreciation coverage for value lost after damage Low deductibles starting at $1,000 In-house fine arts claims department with authority to settle quickly Insurance requirement and contract review services CAT coverage for terrorism, earthquake, wind, and flood (subject to underwriting) We also provide a specialized Dealers Form for members of ADAA and IFPDA, offering tailored enhancements to meet association standards. Underwriting Notes and Minimum Premiums HTB offers both standard and special insurance programs with competitive rates. Our in-house quoting authority enables a typical turnaround of 24 hours for complete submissions. Minimum premiums start at $2,500, and we evaluate each submission based on the specific risks and operations of the gallery or dealer. Territories and Availability This program is available in all 50 states and the District of Columbia, including key art hubs such as New York, California, Florida, and Texas. HTB is licensed nationwide and can offer admitted solutions through Ironshore Indemnity Inc. Why Work With Huntington T. Block HTB is more than an insurance provider—we are fine arts advocates with over 200 years of cumulative industry experience. Our long-standing relationships with professional associations such as the Art Dealers Association of America (ADAA), International Fine Art Printers Association (IFPDA), and the New Art Dealers Alliance (NADA) demonstrate our commitment to the sector. Partnering with HTB gives you and your clients access to a niche insurance program that understands the business of art from every angle. Whether your client is a dealer managing rotating inventory or a gallery hosting international exhibits, HTB provides the protection and expertise you need to place business with confidence. Frequently Asked Questions What types of accounts are a good fit for this program?The program is ideal for commercial art galleries and private art dealers, including those who participate in exhibitions, art fairs, or manage artwork on consignment or loan. Is this program available in all states?Yes, the program is available in all 50 states and the District of Columbia. Coverage is offered on an admitted basis through Ironshore Indemnity Inc. What is the minimum premium for this program?The minimum premium starts at $2,500, with pricing based on exposure, risk profile, and underwriting review. Does the program cover international transit and exhibitions?Yes, the policy provides worldwide “wall-to-wall” coverage, including domestic and international transit and art displayed at exhibitions or fairs. Are there any special benefits for members of art associations?Yes, members of ADAA and IFPDA may qualify for a Special Dealers Form that includes tailored enhancements specific to their association’s standards. Need help placing an account? Connect with a market specialist.

Ashley General Agency (AGA) offers a robust Homeowners and Personal Lines Insurance program backed by two highly respected carriers: AIG Private Client Group and Lexington Insurance Company. This program is ideal for agents and brokers in Texas looking to place coverage for affluent individuals and high-net-worth clients with complex property exposures. With access to a leading global property-casualty carrier that services over 70 million personal lines clients worldwide, AGA delivers sophisticated solutions backed by financial strength, deep claims expertise, and comprehensive personal lines offerings. Ideal Accounts and Appetite This program is tailored to meet the needs of successful individuals and families with valuable assets. It is especially well-suited for: High-value homeowners with properties valued at $250,000 and above Clients with multiple residences, including seasonal and secondary homes Collectors of fine art, jewelry, and other high-value personal collections Owners of personal yachts or watercraft Clients requiring personal excess liability or excess flood coverage You might have a client with a $1.2M primary residence, a vacation home on the coast, and a fine art collection—this program can help you cover all those exposures under one cohesive personal lines solution. Coverage Highlights and Advantages AGA’s homeowners and personal lines program provides complete protection and value-added services for discerning clients, including: Concierge-level risk management services to help minimize losses and property damage Guaranteed replacement cost coverage on homes Surplus lines solutions for hard-to-place or non-standard risks Whether your client needs coverage for a luxury automobile, excess personal liability, or a private collection, AGA can help structure a comprehensive package. Underwriting Notes and Minimum Premiums Minimum premium: $500 AGA offers both admitted and non-admitted solutions depending on the risk profile. Admitted paper is available for homes, autos, excess, collections, yachts, and excess flood through AIG Private Client Group. For harder-to-place or unique risks, non-admitted paper through Lexington Insurance Company provides flexible underwriting for: Homes valued at $250,000 and above Seasonal or secondary residences Collections and personal excess liability Excess flood coverage Territories and Availability This program is currently available to licensed agents and brokers in Texas. Both admitted and surplus lines solutions are accessible based on the specific risk, enabling you to match the right coverage to your client’s needs. Why Work With Ashley General Agency As a Managing General Agency with a focus on personal lines, Ashley General Agency brings specialized knowledge and concierge-level service to your most valued clients. With access to two premier carriers—AIG Private Client Group and Lexington Insurance Company—AGA provides solutions that go beyond standard homeowners policies. Their ability to blend admitted and non-admitted offerings gives you the flexibility to write both routine and complex accounts efficiently under one roof. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for high-net-worth clients with valuable homes, collections, multiple residences, and complex personal liability needs. Is this program available outside of Texas?Currently, this program is only available to agents and brokers in Texas. What is the minimum premium for coverage?The minimum premium for this program starts at $500, depending on the risk and coverage selected. Can I place seasonal or secondary homes through this program?Yes, seasonal and secondary residences are eligible, particularly through the non-admitted paper options. Which carriers are used for this program?The program is backed by AIG Private Client Group and Lexington Insurance Company, providing both admitted and non-admitted solutions. Need help placing an account? Connect with a market specialist.

Overview — PointSure: Workers' Compensation for Contractors and Maritime Employers PointSure Insurance Services, Inc. offers a wholesale program placing Workers' Compensation and related maritime liability for contractors and maritime employers. This program is designed for agents and brokers seeking admitted capacity with SeaBright Insurance Company for construction contractors (including collectively bargained California union accounts), vessel employers, shipyards, longshore operations and other maritime exposures. Use this market when your insured needs broad workers' compensation solutions combined with USL&H and maritime employers' liability placement options. Ideal Accounts and Appetite Union and non-union contractors, including California collectively bargained union contractors. Maritime employers: vessel operators, crews, ship repair and maintenance, longshore and terminal operations, marine contractors performing work on or near navigable waters. Accounts with larger payrolls or consolidated payrolls that meet program minimums—this is a market for mid-to-large accounts rather than small single-employee risks. Accounts with organized safety programs and documented loss control, and those able to provide standard payroll and claims details. Coverage Highlights and Advantages Admitted workers' compensation placement through SeaBright Insurance Company, helping agents place business with carriers acceptable to many insureds and buyers. Integrated handling of USL&H and Maritime Employers' Liability exposures alongside statutory workers' compensation for a coordinated placement. Program experience with collectively bargained California union contractors and specialized maritime classes that many standard markets decline or limit. Ability to support multi-state operations and certain specialty classes with underwriting that understands marine exposures and contractor payroll structures. Underwriting Notes and Minimum Premiums Underwriting focuses on payroll size, loss history, class codes, and safety controls. Minimum premiums vary by coverage line and state — confirm details at submission. Typical minimums include: Collectively bargained workers' compensation (California union contractors only): Minimum premium = $250,000 Statutory workers' compensation for contractors: Minimum premium = $75,000 in AK and HI; $250,000 in other states Statutory workers' compensation for other classes (Alaska and Hawaii only): Minimum premium = $75,000 USL&H and Maritime Employers' Liability: Minimum premium = $125,000 in CA $75,000 in AK, OR and WA $100,000 in other states Supporting coverage available in select other states — call PointSure for details and state-by-state availability. Please note these minimums are underwriting thresholds and subject to change; provide full submission details to get current terms. Territories and Availability Admitted status: All Available States. PointSure currently places business through this program in states including AZ, CA, IL, IN, IA, KY, MI, MO, NV, TX and WI, with additional state support as noted for specific coverages. Availability can vary by class and state – confirm at time of submission. Why Work With PointSure on This Business Wholesale broker expertise: PointSure focuses on placing complex contractor and maritime workers' compensation risks that require an underwriter familiar with marine exposures. Carrier access: Placement through SeaBright Insurance Company provides an admitted option for many classes and helps streamline placement for insureds that prefer admitted paper. Responsive submissions: PointSure underwriters are experienced with the documentation and payroll detail these accounts require, helping reduce turnaround for binding decisions. Example Account Scenarios California union contractor with multiple collective bargaining agreements seeking admitted workers' compensation coverage for large payrolls — fits the program's CA union appetite with the applicable minimums. Regional marine contractor performing vessel repairs and dock work across WA and OR with USL&H exposures — good fit when you need coordinated maritime employers' liability and workers' compensation placement. Frequently Asked Questions What types of accounts are a good fit for this PointSure program?Contractors with larger payrolls (including collectively bargained California union accounts) and maritime employers with USL&H exposures — shipyards, vessel operators, longshore work and marine contractors are primary targets. Which carrier writes this program and is the paper admitted?This program places admitted paper with SeaBright Insurance Company. Admitted availability is represented as All Available States, but state-by-state capacity and terms can vary. What are the underwriting minimums I should expect?Minimum premiums vary by coverage and state. Examples include $250,000 minimum for CA collectively bargained workers' compensation; $75,000 minimum in AK and HI (and $250,000 in other states) for contractor statutory WC; and USL&H minimums of $125,000 in CA, $75,000 in AK/OR/WA, and $100,000 in other states. Provide a full submission to confirm current thresholds. What submission information speeds review and quoting?Provide complete payroll breakdowns by class code, current loss runs (five years if available), details on collective bargaining where applicable, descriptions of marine operations or vessel exposure, and any written safety or return-to-work programs. Need help placing an account? Connect with a market specialist.