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M.J. Hall & Company now offers Environmental and Pollution Liability Insurance for a broad range of commercial risks and industries. Overview of the Program From M.J. Hall & Company If you place environmental exposures, M.J. Hall & Company, Inc. provides access to flexible Environmental and Pollution Liability solutions through its wholesale Excess & Surplus Lines relationships. MJ Hall works with multiple carriers to place complex or non-standard pollution risks that may need tailored wording, combined coverages, or excess capacity. Ideal Accounts and Appetite This program targets contractors, consultants, and site operators with potential pollution exposures. Typical classes include: Environmental contractors (including mold remediation) Manufacturers and blenders handling hazardous materials Storage sites for pollutants, chemicals, or waste materials Environmental consultants requiring professional liability combined with pollution coverage Transportation and hauling firms needing pollution liability for cargo and operations Accounts with third-party bodily injury or property damage exposure from sudden or gradual pollution, and those facing regulatory cleanup obligations, are a strong fit. Accounts primarily seeking standard GL with no pollution exposures are generally outside this program’s focus. Coverage Highlights and Advantages The program offers modular coverages you can combine to meet insureds’ needs: Environmental Liability – Third-party bodily injury, property damage, and remediation costs from pollution incidents. First-party Cleanup – Site remediation when cleanup is required by government authorities. Excess Liability – Limits available to follow form over primary environmental or other commercial policies. Limited GL and Auto Liability – Select GL/auto wording available for certain classes subject to underwriting. Mold Coverage – Included options for contractors and site operators where mold is an exposure. Professional Liability with Pollution – For consultants who need errors & omissions combined with pollution triggers. Underwriters can tailor packages — for example combining pollution legal liability with contractor pollution liability for a remediation firm, or adding professional liability for an environmental consultant. Underwriting Notes and Minimum Premiums Submissions should include a completed application, recent loss history, and an environmental questionnaire when applicable. Minimum premiums typically begin at $2,500 and increase with exposure, limits, and breadth of coverage. Underwriting focuses on operations, materials handled, historical site conditions, controls in place, and loss trends. Territories and Availability This program is available in the following states: California, Arizona, Alaska, Hawaii, and Nevada. Both admitted and non-admitted placement options may be available depending on the carrier and risk. Why Work With M.J. Hall & Company? MJ Hall brings decades of wholesale experience and established carrier relationships for hard-to-place environmental risks. Their team provides responsive quotes, creative structuring, and access to multiple markets to help you secure terms for complicated or specialized operations. Working with MJ Hall can simplify placement for accounts that need combined pollution and professional liability solutions or excess capacity. Call M.J. Hall for all of your Environmental and Pollution Liability Insurance needs today! For appointment contact: [email protected] Frequently Asked Questions What types of accounts are a good fit for this program?This program works well for environmental contractors, consultants, manufacturers, and storage or transport operations that handle or store pollutant materials and face potential cleanup or third-party liability exposures. Can this coverage include mold or site-specific pollution exposures?Yes. The program can include mold-related liability and site pollution coverage — including first-party cleanup costs when mandated by authorities — subject to underwriting review. Is professional liability available for consultants?Yes. Environmental consultants can be insured for professional liability combined with pollution liability where needed to cover both negligent professional acts and pollution incidents. What states is the program available in?The program is available in California, Arizona, Alaska, Hawaii, and Nevada. Admitted or non-admitted placement will depend on carrier appetite and the risk profile. What is the minimum premium for this program?Minimum premiums typically start at $2,500 or higher, varying by risk size, operations, and requested coverages. Need help placing an account? Connect with a market specialist.

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FIXED BASE OPERATORS INSURANCE AVAILABLE NATIONWIDE Fixed Base Operators (FBOs) are airport-based commercial operators that provide some or all of the following services: line service, aircraft and engine maintenance, parts and accessories sales, aircraft sales, charter and rental operations, corporate flight support, and flight training. Line service typically includes fueling, deicing, ground handling, and interior/exterior cleaning. FBO exposures range from general liability and premises risks to products and pollution liability tied to fueling, plus aviation-specific risks such as hull and liability for aircraft on the ramp. Arlington/Roe's aviation team is made up of career aviation brokers who have worked together for 20 years and, combined, offer more than 85 years of aviation insurance and risk management experience. We represent a broad panel of aviation markets and work with agents who already place aviation business as well as those expanding into FBO and airport exposures. Note: Arlington/Roe's FBO Insurance storefront can be accessed through CompleteMarkets by searching for the following keywords: FBO operations and fixed base operations. Overview of This FBO Program This program is built for agents and brokers seeking placement options for Fixed Base Operators. Arlington/Roe serves as a managing general agency and an excess & surplus lines broker, providing access to a wide panel of markets—over 35 aviation insurance carriers. We can address the full range of FBO exposures with both admitted and non-admitted market solutions. Ideal Accounts and Appetite Independent and airport-based FBOs offering fueling, line services, ground handling, and aircraft parking. Operations that combine limited maintenance, parts sales, and light repair with ramp services. FBOs supporting corporate, charter, and general aviation customers across piston, turboprop, and business jet activity. Flight schools, charter support facilities, and ground service providers that operate on airport property. Best-fit accounts are established FBOs with documented safety procedures, formal fuel-handling training, and defined maintenance controls. We have limited appetite for accounts with unresolved major loss histories, repeated pollution incidents, or large heavy-maintenance shops lacking robust controls—every submission is reviewed on its individual merits. Coverage Highlights and Advantages Access to both admitted and non-admitted markets to increase placement flexibility. Programs that can combine general liability, products liability, premises and operations, pollution liability for fuel-handling risks, and aviation hull & liability for on-ramp exposures. Options to handle non-owned aircraft exposures and ground-handling liability. Workers’ compensation solutions tailored for aviation payroll classifications, including FBO staff, mechanics, and line-service employees. Industry-focused underwriting by career aviation brokers who understand airport operations, tenant agreements, and regulator expectations. Underwriting Notes and Minimum Premiums Underwriters evaluate loss history, fuel-handling and spill-control procedures, employee training, maintenance controls, tenant agreements, and airport lease arrangements. Submissions with written safety programs, training records, maintenance logs, environmental controls (spill kits, secondary containment) and documented tenant/lease language improve placement likelihood. Minimum premiums and retentions vary by carrier and state; submit through your usual CompleteMarkets flow or contact the underwriting team for market-specific guidance. Territories and Availability Admitted status: All Available Markets (admitted and non-admitted options). This program supports placements across the following jurisdictions: 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. Availability may vary by carrier and by the specific exposures of an account. Why Work With Our Team on FBO Business Specialized aviation underwriting knowledge from a team with deep, long-term industry experience. Broad market access—over 35 aviation carriers—so placements can be tailored to admitted or E&S solutions. Hands-on support: we help package submissions, document exposures, and present accounts to underwriters to improve quote outcomes. Example fits You might have a municipal airport FBO that provides fueling, basic line service, and aircraft parking—this program targets markets that combine premises liability and pollution coverage. You might place a corporate FBO that offers limited maintenance and parts sales alongside charter handling—our markets can consider combined general liability, products liability, and non-owned aircraft exposures. Frequently Asked Questions What types of FBO accounts are a good fit for this program?Established FBOs with fueling/line service, limited maintenance, flight support, or parts sales are the core appetite. Strong candidates have documented safety programs, employee training, and pollution controls. Each account is evaluated case-by-case. Which coverages can I place through this program?Markets we represent can provide general liability, products liability, pollution liability tied to fueling operations, non-owned aircraft liability, and tailored workers’ compensation programs. Availability depends on the submission details and chosen market. How do I submit an account for consideration?Provide a completed ACORD application (or carrier-required submission form), five-year loss runs, and details on fuel-handling and spill controls, maintenance procedures, and employee training records. Submissions through CompleteMarkets will be routed to appropriate underwriters for review. Is this available in my state and can I access admitted markets?This program supports placements in admitted and non-admitted markets across the listed states and DC. Specific admitted availability depends on the carrier—underwriters will indicate admitted versus E&S options during quote development. Need help placing an account? Connect with a market specialist.

Dog racing venues deliver high-energy entertainment—and they carry unique exposures. American Specialty Insurance & Risk Services offers a dedicated Dog Tracks Insurance program designed to help agents place coverage for tracks, simulcast and betting facilities, racinos, and related operations so events can continue with appropriate protection and responsive service. Editor's note: As of 2025, the only states with active greyhound racing tracks are Alabama, Arkansas, Iowa, Texas, and West Virginia. Four other states — Wisconsin, Connecticut, Kansas, and Oregon — still allow greyhound racing by law but currently have no active tracks. Eligible Operations for Dog Tracks Insurance Greyhound and dog racing tracks Simulcast facilities and Off-Track Betting (OTB) locations Thoroughbred, harness, quarter horse and combined tracks Racinos (racing + casino operations) Special events featuring competitive or exhibition dog racing Program Highlights for Dog Tracks Insurance Placed with an A.M. Best “Excellent” or higher carrier where available Admitted coverage in available states Program-specific forms and rating to match track exposures Non-auditable policy options for seasonal/event operations 24-hour claims service and in-house claims handling In-house underwriting, risk management, and policy administration Online risk-mitigation resources and tools for insureds Program Coverages for Dog Tracks Insurance General Liability Participant/Competitor Legal Liability Animal Legal Liability (Dog and Horse where applicable) Excess / Umbrella Liability Liquor Liability Commercial Automobile Property (including event and seasonal exposures) Crime and Fidelity coverage Employee Benefits Liability Workers' Compensation Flexible deductible and SIR options Ideal Accounts and Appetite American Specialty partners with agents who place dog tracks and related racing or wagering facilities. The program is focused on operations with active racing and spectator exposure, including: Greyhound and other dog racing tracks Simulcast or OTB facilities Combined tracks offering multiple animal racing events Racino operations with both racing and casino elements Special events involving competitive or exhibition dog racing Facilities with documented risk management protocols, security plans, and established operating procedures are the best fit. Underwriting Notes and Minimum Premiums Minimum premium varies by operation type, size, and exposure. The program offers flexible deductible and self-insured retention (SIR) structures and non-auditable policies to align with seasonal schedules and event-driven revenue. In-house underwriting enables faster responses and tailored terms for complex track risk. Territories and Availability This program is available in states where dog racing is active or legally allowed, with primary availability in Alabama, Arkansas, Iowa, Texas, and West Virginia. American Specialty provides admitted coverage in available states and evaluates other racing-related opportunities on a case-by-case basis. Why Work With American Specialty As a Managing General Underwriter with specialty experience in sports, entertainment, and wagering risks, American Specialty offers focused underwriting, responsive service, and claims expertise tailored to track operations. Agents receive direct access to underwriting, risk management support, and policy administration under one roof—helping accelerate placements and claims resolution. Example fits: You might have a year-round greyhound track in West Virginia seeking combined general liability, liquor liability, and property coverage, or a seasonal simulcast/OTB facility in Iowa that needs non-auditable policies and flexible SIR options. Both are well within the program’s appetite when supported by standard safety and security controls. Frequently Asked Questions What types of accounts are a good fit for this program?Good fits include active greyhound tracks, simulcast/OTB facilities, racinos, and combined racing venues with spectator exposure. Facilities should have established operations and risk controls. Is this program available in all states?No. Primary availability is in Alabama, Arkansas, Iowa, Texas, and West Virginia where racing remains active. Other states may be considered depending on legal status and the specific operation. Are both dog and horse racing facilities eligible?Yes. The program can cover dog tracks as well as horse, harness, and quarter horse racing venues, including combined operations and special events. What coverages are included?Available coverages include General Liability, Participant and Animal Legal Liability, Excess/Umbrella, Liquor Liability, Property, Workers' Compensation, Automobile, and Crime, among others. What carrier backs this program?The program is written with an A.M. Best “Excellent” or higher carrier when available. Specific carrier placement can vary by account. Need help placing an account? Connect with a market specialist.

When it comes to workers compensation for your maritime clients, ISR is the answer! ISR – International Special Risks – offers a focused Maritime Workers Compensation program built to address the unique coverage needs of maritime employers. Backed by decades of marine-specialty experience and strong carrier relationships, ISR helps brokers place accounts that require coordinated State and federal maritime solutions. State Act - USLH - MEL Our program provides access to these core coverages: State Act Workers Compensation USL&H (United States Longshore and Harbor Workers’ Compensation Act) MEL (Maritime Employers Liability) We consider accounts starting at $10,000 in annual premium, with market availability dependent on the size and nature of the client’s operations. Ideal Accounts and Appetite ISR’s Maritime Workers Compensation program is designed for businesses with waterfront and vessel-based exposures. Typical accounts include: Shipyards and repair facilities Marine and heavy civil construction contractors Stevedoring, cargo handling, and dock/terminal operations Offshore energy support and marine service contractors Companies with mixed land and maritime exposures (e.g., shore-based shops plus dockside crews) Accounts with a mix of State Act and USL&H exposures are a strong fit. We can also place USL&H in most monopolistic states. Accounts that require specialized endorsements—such as MEL, OCSLA, or “if any” wording—are within our scope when appropriate. You might have a client who runs a midsize ship repair yard with both land-based machinists and longshore dockworkers. ISR can help combine State Act and USL&H coverage into a single, streamlined policy and provide endorsements to address employer liability exposures. Coverage Highlights and Advantages • Guaranteed cost plans available; sensitive plan options subject to underwriting • Direct bill payment and reporting options available • Ability to combine USL&H and State Act coverage under one policy • Blanket Waiver of Subrogation and Blanket Alternate Employer endorsements available • "If Any" wording available for MEL and USL&H where required • OCSLA coverage can be included where necessary • Dedicated subrogation support and maritime claims expertise Underwriting Notes and Minimum Premiums • Completed Accord Workers Compensation application required • Completed Supplemental Maritime USL&H and MEL application required • Current NCCI MOD worksheet (if available) • 3 years of hard copy loss runs; startups may submit an owner’s resume or signed loss summary • Resume of management required for businesses under 3 years old Accounts must meet the program minimum of $10,000 in annual premium. Underwriting considers class codes, payroll splits between land and water exposures, loss history, and operational controls. Territories and Availability ISR’s Maritime Workers Compensation program is available in all U.S. states and the District of Columbia, with admitted paper in select states. USL&H coverage can be written in most monopolistic states. All carrier partners are A.M. Best rated. Why Work With ISR? As a Brokerage General Agency with deep roots in the marine market, International Special Risks gives brokers direct access to underwriters who understand maritime exposures. ISR’s strengths include: Specialized underwriting appetite for mixed land/sea operations Market relationships that enable flexible wording and endorsements Responsive submission review and placement support Claims and subrogation expertise tailored to maritime losses When you need to place accounts that combine State Act, USL&H, and MEL exposures—or that require endorsements like OCSLA or blanket waivers—ISR offers practical solutions and market access to help you place the business. Frequently Asked Questions What types of accounts are a good fit for this program?We target maritime operations such as ship repair, marine construction, stevedoring, dockside logistics, and offshore service contractors that need State Act, USL&H, or MEL coverage. Can you write business in monopolistic states?Yes. We can provide USL&H coverage in most monopolistic states, which helps you place maritime exposures that might otherwise be difficult to insure. What is the minimum premium requirement?We consider accounts with a minimum annual premium starting at $10,000. Final premium depends on payroll, class codes, loss history, and endorsements required. Can State Act and USL&H coverage be combined into one policy?Yes. ISR can combine State Act and USL&H on a single policy to simplify administration and ensure consistent coverage coordination. What documentation is required for a submission?Provide a completed Accord workers comp application, the supplemental maritime application, current NCCI MOD (if applicable), three years of loss runs, and a management resume if the business is under three years old. Need help placing an account? Connect with a market specialist.

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