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Overview — Continental Risk: Crime Insurance Continental Risk / Continental Marine Insurance Services offers a flexible Crime Insurance program designed for agents and brokers placing business that needs protection from employee dishonesty, forgery, theft, disappearance and cyber-enabled crimes. The product is available as admitted paper in most states and can be written as a stand-alone Crime policy or packaged with Directors & Officers, Employment Practices Liability, Fiduciary Liability and/or Pollution Defense for convenient multi-line placement. Coverage Highlights Employee Theft, Forgery and Alteration, Theft of Money & Securities (inside and outside the premises) Computer Fraud and Funds Transfer Fraud — additional limits available for cyber-enabled loss scenarios Shared aggregate option — combine limits with other liability sections in the policy for premium credit Cafeteria plan flexibility — select the coverages your client needs (employee theft, forgery, funds transfer, computer fraud, etc.) Broad definition of “employee” — includes seasonal, short-term and leased employees ERISA/employee benefit plans — automatically included as insureds where applicable Ideal Accounts and Appetite This program suits small to mid-sized commercial accounts across many industries where crime exposure and cyber-enabled theft are a concern. Typical fits include: Retail and hospitality businesses with cash-handling and POS exposure Professional services and financial firms that face funds-transfer and social-engineering risks Manufacturing and distribution firms with inventory and payroll exposure Not-for-profits and employee benefit plans that require ERISA coverage Accounts with sound internal controls, segregation of duties, bank reconciliation procedures and basic cyber controls are preferred. Higher-risk placements (repeated internal fraud without remediation, extensive cash-intensive operations without controls) should be submitted with clear loss-control plans. Underwriting Notes and Minimum Premiums Continental Risk works with both admitted and non-admitted carriers to provide flexible solutions. Underwriting focuses on operational controls, employee hiring practices, bank/transfer procedures and cyber security posture when computer fraud or funds-transfer coverage is requested. Minimum premium: Will vary with carrier. Provide recent loss runs, descriptions of internal controls, employee screening procedures and details on wire-transfer authorization processes where applicable. Packaging options are available and can produce premium credits through shared aggregate arrangements. Territories and Product Positioning Available in: 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. Admitted paper is offered in most states; Continental Risk also places business with admitted and non-admitted markets as required to meet client needs. Why Place Crime with Continental Risk Access to admitted and E&S markets — flexibility to place most accounts. Program features tailored for agents: cafeteria plan selections, shared aggregate options and ERISA inclusion. Underwriting geared toward practical loss control — straightforward requirements and experienced placement for cyber-related crime exposures. Work directly with an Excess & Surplus Lines broker experienced in combined liability placements when clients need multi-line solutions. Example Scenarios You have a regional retail client with multiple locations and cash-handling exposure. Continental Risk’s Crime program can combine employee theft and forgery coverage with computer fraud protection for funds-transfer exposures. You represent a small financial services firm concerned about wire-transfer fraud. The program’s computer fraud and funds transfer coverage — written admitted where available — can be tailored to fit their operational controls and risk profile. Frequently Asked Questions What types of accounts are a good fit for Continental Risk’s Crime program?Small to mid-sized commercial accounts with employee theft, funds-transfer or forgery exposures. Retailers, professional services, not-for-profits and firms sponsoring employee benefit plans are common fits, especially when basic internal controls and bank procedures are in place. Is cyber-related crime included or sold separately?Computer Fraud and Funds Transfer Fraud are available as part of the Crime program. These can be added as specific coverages when cyber-enabled theft or social-engineering risks exist. Can I package Crime with other liability products?Yes. The Crime program can be written as a stand-alone policy or packaged with D&O, EPL, Fiduciary Liability and/or Pollution Defense. A shared aggregate option may be available for premium credit when combined. Need help placing an account? Connect with a market specialist.

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.

...s Empire Brokerage Services, LLC combines wholesale E&S distribution experienc...

...security-related risks, Veracity combines market access with underwriting expe...

...ercial marine risks. The program combines specialized underwriting, flexible p...agers different from other MGAs?LIG combines marine-specialist underwriting wi...

CGL, Contractors Pollution Liability (CPL), and Professional Liability tailored for Environmental Consultants and Environmental Testing Laboratories. Specialty program designed specifically for Environmental Consultants Insurance. Claims-made coverage for liabilities arising from acts, errors, or omissions in the course of providing professional services. Can be written as a standalone policy or combined with General Liability under a single limit. Minimum premium starts at $2,500 for Environmental Consultants Insurance. Limits available up to $10 million. Overview of the Program From Environmental Insurance Agency Environmental Insurance Agency offers a focused Environmental Consultants Insurance program built for the liability exposures faced by environmental professionals. As an Excess & Surplus Lines broker, we deliver market access to leading E&S carriers — including AIG, Liberty, Lloyds of London, Zurich, XL and others — so you can place difficult or unique risks that admitted markets often decline. The program is structured to support agents and brokers placing coverage for consultants, testing labs, remediation contractors, and related service providers. Ideal Accounts and Appetite This program fits a wide range of environmental service providers, including: Environmental consultants and engineers Environmental testing and analytical laboratories Site assessment and remediation contractors Hazardous material and asbestos abatement consultants Typical fits: a small consulting firm performing Phase I and II site assessments, or a regional analytical lab conducting soil and water testing. We also consider more complex accounts — multi-state operations, projects with higher limits, or contractors performing remediation — provided full underwriting information and loss history are available. Coverage Highlights and Advantages Flexible package options: Commercial General Liability (CGL), Contractors Pollution Liability (CPL), and Professional Liability available as bundled or standalone coverages Claims-made professional liability that responds to errors, omissions, contamination events, and related bodily injury or property damage claims Policy limits up to $10 million to support larger or higher-exposure accounts Underwriting adaptable for small boutique firms through larger regional operations The program helps insureds manage exposures from site contamination, inaccurate reporting, testing errors, and regulatory compliance issues. Bundled coverage can simplify placement and reduce gaps between professional and pollution exposures. Underwriting Notes and Minimum Premiums Minimum premium for this program starts at $2,500. Underwriters will evaluate the scope of services, types of projects, geographic reach, safety controls, and past loss history. For more complex or remediation-heavy accounts, detailed proposals, contracts, client lists, and loss runs will speed placement and improve terms. Territories and Availability This Environmental Consultants Insurance program is available across the U.S. with admitted options in select states and non-admitted placements where needed. We currently offer coverage in all 50 states plus DC. Admitted availability varies by state; when admitted placement is required, let us know the state early so we can confirm options. Why Work With Environmental Insurance Agency Environmental Insurance Agency specializes in environmental exposures and places business through a broad E&S distribution network. Our strengths include direct access to top carriers for environmental risks, experienced underwriting that understands technical operations, and flexible solutions for combined or standalone professional and pollution exposures. We work with brokers to structure competitive terms and to navigate multi-state or higher-limit placements. Example scenarios you can place through this program: A two-person environmental consulting firm that performs Phase I/II assessments and needs combined Professional Liability and CPL with a $1M–$3M limit. A regional remediation contractor seeking $5M–$10M limits for multi-state cleanup operations, with project-level CPL and excess capacity. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for environmental consultants, testing labs, site remediation firms, and hazardous material inspectors. Can this coverage be combined with General Liability?Yes. The policy can be written as a standalone or combined with General Liability under a single limit to reduce gaps between professional and liability exposures. What is the minimum premium for this program?The minimum premium starts at $2,500, depending on the size and scope of the insured’s operations. Is this program available in all states?We offer coverage across the U.S., including admitted options in select states and non-admitted placements where needed. We currently place business in all 50 states plus DC. Which carriers are used for this program?We work with leading E&S carriers such as AIG, Liberty, Lloyds of London, Zurich, XL, and others through our brokerage platform to secure capacity and tailored terms. 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.

... Why Work With MAXIMUM? MAXIMUM combines market access with cannabis-specific...