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CONTINUING EDUCATION WITH A CONSTRUCTION FOCUS Are you a retail agent focused on construction-related risks, or looking to build a niche serving contractors, builders, and skilled trades? The Construction Insurance Risk Education (CIRE) Program from Wise Insure and its affiliate, the NationWide Contractors Alliance (NWCA), was created specifically for agents like you. Writing insurance for construction risks is nuanced and different from other commercial lines. Overview of the CIRE Program Wise Insure, in partnership with NWCA and Bison Mountain Financial (BMFCE), offers the Construction Insurance Risk Education (CIRE) Program—a 23-hour continuing education course designed to deepen an insurance professional’s practical knowledge of construction exposures and coverages. CIRE goes beyond policy forms. It focuses on coverage nuances, common exclusions, and practical communication techniques so you can explain complex coverage concepts clearly to contractors who may never have dealt with insurance before. Ideal Participants and Program Format This program is designed for agents and brokers who: Already place commercial construction accounts Want to grow a contractors/builders niche Need continuing education credits and want relevant, real-world training CIRE is offered as live webinars and as online self-study. Content is multimedia-based, so you can listen or review materials between appointments—flexible learning that fits an agent’s schedule. What You’ll Learn The program is organized into six modules covering construction-specific insurance topics, including: Key coverage features for general contractors and subcontractors How contractor operations and workflows drive exposures Common coverage gaps, exclusions, and how to address them Practical communication strategies for explaining coverage to tradespeople and owners Completing CIRE will help you retain existing construction clients and compete more effectively for new accounts by demonstrating subject-matter competence and clearer client communication. Ideal Accounts and Typical Appetite CIRE is especially relevant if your book includes or targets: General contractors, project owners, and commercial builders Common and specialty subcontractors (electrical, HVAC, roofing, concrete, etc.) Smaller specialty contractors progressing into larger projects The course helps you recognize accounts that fit standard markets and those that may require specialty placement, risk control recommendations, or endorsements to address operations-specific exposures. Coverage Highlights and Advantages CIRE emphasizes the coverage features agents need to evaluate contractor risk properly—commercial general liability nuances, builders risk basics, subcontractor relationships, contractor-operations exposures, and communication strategies that reduce misinterpretation of policy language. Two realistic examples where CIRE adds immediate value: You have a residential roofing contractor expanding into small commercial work—CIRE helps you identify new exposures and recommend appropriate endorsements or limits. An established GC requests sublimits and waiver of subrogation language—CIRE provides the tools to evaluate whether those terms are appropriate and how to negotiate them with markets. Underwriting Notes and Minimum Premiums CIRE is an educational program rather than an insurance product; there is no standard minimum premium associated with the course. Use the program to improve placement outcomes when submitting construction accounts to markets that value specialized underwriting and risk-aware insureds. Territories and Availability Wise Insure offers CIRE to agents in the following states: AL, AZ, AR, CO, DE, IA, MD, MO, NE, NV, NC, ND, OK, OR, TN, TX, WA, WV, and WI. Check state CE approval requirements when registering for live or self-study formats. Why Work With Wise Insure on Construction Business Wise Insure specializes in construction-related insurance solutions and understands the operational risks contractors face. Paired with NWCA and the CIRE curriculum developed with BMFCE, Wise Insure provides agents both practical training and access to a resource network that supports placement and retention of construction accounts. For a limited time, a 10% discount is available. Contact Brendon at NWCA for a coupon code. Brendon’s direct line is 360-338-6434. Frequently Asked Questions What types of accounts are a good fit for this program?The CIRE Program is ideal for agents working with general contractors, subcontractors, builders, and specialty trades such as electrical, HVAC, and roofing. Do I need to be currently writing construction insurance to benefit from this program?No. The program is suitable for both experienced agents in the construction niche and those looking to enter or expand into it. How is the CIRE Program delivered?You can participate through live webinars or complete the program at your own pace via an online self-study format. Is this program approved for continuing education credits?Yes, the CIRE Program provides 23 hours of continuing education credits, focusing specifically on construction insurance topics. What makes this program different from other CE courses?CIRE is tailored to construction risks and emphasizes real-world communication strategies with contractors, delivered through multimedia content for flexible learning. Need help placing an account? Connect with a market specialist.

Insurance for Tattoo and Body Piercing Artists Ryan Specialty National Programs offers a specialized Tattoo and Body Piercing Insurance program designed for tattoo parlors, body piercing studios, and related businesses. This program provides access to General Liability, Professional Liability, and Property coverage through an exclusive carrier, along with several optional enhancements to meet the needs of this unique industry segment. As a program administrator with a national footprint, Ryan Specialty understands the risks faced by tattoo and piercing professionals. Whether your clients are artists attending conventions, permanent make-up specialists, or full-service shops offering body jewelry and piercings, this program offers tailored protection with competitive pricing and flexible options. Ideal Accounts and Appetite This program is designed for businesses in the tattoo and body piercing industry, including: Tattoo parlors and studios Body piercing shops Permanent make-up professionals Shops that also sell jewelry or body art accessories Agents can confidently place accounts ranging from small independent shops to established studios with multiple artists. Coverage is also available for professionals who attend industry conventions or offer mobile services. Coverage Highlights and Advantages General Liability: Limits up to $1M/$3M, includes Premises Liability and Products-Completed Operations. Assault and Battery coverage may be available (check with underwriter). Professional Liability: Designed for tattoo and piercing services where artistic and technical errors can lead to claims. Property Coverage: Includes Building, Business Personal Property, Business Income and Extra Expense, with many essential coverage extensions at no additional cost. Optional Coverages: Basic or broad form liability for piercers Coverage for permanent make-up professionals Communicable Disease sub-limits ($25K/$25K up to $100K/$100K) Convention attendance coverage Hired and Non-Owned Auto Liability ($1M) Employee Benefits Liability Underwriting Notes and Minimum Premiums To submit a risk, agents should include: Completed supplemental application Three years of currently valued loss runs Minimum premiums start at: General Liability: $500 Property: $250 This program is underwritten with flexibility in mind, allowing you to match the right coverage to your client's operations and exposures. Territories and Availability This program is available in most U.S. states, including but not limited to CA, TX, FL, NY, IL, and WA. See the complete list of eligible states for more details. The program is written on a non-admitted basis through various carriers. Why Work With Ryan Specialty National Programs? Ryan Specialty National Programs brings niche expertise and underwriting precision to the tattoo and body piercing space. As a program administrator with deep industry knowledge, they can help agents place hard-to-insure businesses with confidence. You can expect responsive service, access to a competitive and flexible product, and support throughout the policy lifecycle. If you have clients in the body art industry looking for tailored insurance solutions, Ryan Specialty's Tattoo and Body Piercing Insurance program is an excellent option. Frequently Asked Questions What types of accounts are a good fit for this program?This program targets tattoo parlors, body piercing shops, permanent make-up artists, and studios that also sell body jewelry or attend conventions. Is coverage available for communicable diseases?Yes, optional communicable disease coverage is available with sub-limit options up to $100,000. Can this program cover piercers performing advanced body piercings?Yes, piercers can choose between basic and broad form liability options, including coverage for advanced piercings such as dermal anchors and surface piercings. What are the submission requirements?Agents must submit a supplemental application and three years of currently valued loss runs. Is the program admitted in any states?No, this program is offered on a non-admitted basis through various carriers. Need help placing an account? Connect with a market specialist.

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From Commercial Buildings to Coastal Homes! Securing the right Builders Risk coverage can be complex—building codes, municipal requirements, contract provisions, and coverage gaps all create friction for agents and brokers. Maritime Program Group (MPG) simplifies placement with a specialized national Builders Risk program designed for agents who need flexible, reliable solutions for construction-related exposures. Comprehensive Coverage Backed by Hands-On Expertise MPG provides an exclusive in-house Builders Risk program for new construction and renovation projects—residential or commercial, inland or coastal. Our underwriting team has construction-focused experience and applies practical knowledge to every submission. Whether the job is a custom coastal home, a multi-tenant office build, or a significant renovation, we create terms to fit the project’s realities. Ideal Accounts and Appetite Our program accommodates a wide range of construction risks, including: Residential: custom homes, spec builds, coastal properties Commercial: office, retail, mixed-use developments Renovation and remodeling projects of varying scopes and values We are particularly well-suited for: Coastal properties where setback restrictions would otherwise limit placement Projects needing flexible terms or policy extensions beyond 12 months Accounts that have difficulty placing with standard carriers because of location or complex exposures You might have a client building a custom waterfront home with specialized materials, or a contractor renovating an older mixed-use building in a coastal city—these are the kinds of submissions MPG is built to support. Key Program Features and Benefits MPG’s Builders Risk program delivers flexibility and protection to meet changing project needs: • Pro-rated policies for partial project durations • Instant quotes available by phone • Short-term and extendable policy options • Builder or homeowner may be named insured • Monthly reporting with deposit premium structures • Extensions available beyond 12-month policy terms • Low minimum premiums – $250 for new construction, $500 for renovations We also address exposures many standard programs exclude. Subject to underwriting, our terms can consider theft, tools and equipment, transit exposures, and certain natural disaster scenarios that other markets decline. Direct Underwriting and Responsive Service Maritime Program Group underwrites and issues policies in-house for faster turnaround and consistent communication. Our value-added service features for agents include: • Direct access to experienced underwriters • Fast, responsive service and proactive communication • Industry-specific loss prevention tools • Direct or agency billing options • Competitive commission schedules • Coverage placed through A.M. Best “A” rated carriers Nationwide Availability Our Builders Risk program is available in all 50 states plus Washington, D.C. Whether the project is in California, Florida, New York, or anywhere in between, MPG has the regulatory know-how and market access to support your placement. Why Partner With MPG? As a Managing General Agency with exclusive programs and deep market relationships, Maritime Program Group provides the underwriting expertise and placement tools agents need to write challenging Builders Risk accounts. We specialize in coastal and other higher-difficulty risks and offer practical solutions when standard markets decline or restrict coverage. Reach out to our underwriting team today to discuss your next Builders Risk submission—we’re here to help you place it with confidence. Frequently Asked Questions What types of accounts are a good fit for this Builders Risk program?Our program is suitable for residential and commercial construction, including new builds, renovations, and coastal properties. We accept both small and large projects across all 50 states. Can homeowners be named as the insured?Yes. Policies can list either the builder or the homeowner as the named insured, depending on contractual needs and the project structure. Is this program available for coastal risks?Yes. We specialize in coastal placements and do not impose blanket setback restrictions, making us a strong option for properties near water—subject to underwriting review. How quickly can I get a quote?We offer instant phone quotes and fast turnaround from our in-house underwriting team to help you place business efficiently. Are policies extendable beyond 12 months?Yes. We provide flexible policy terms and can extend coverage beyond 12 months when necessary, subject to underwriting approval. Need help placing an account? Connect with a market specialist.

Commercial Inland Marine Insurance Program from First Choice Insurance Intermediaries, Inc. First Choice Insurance Intermediaries, Inc. offers a comprehensive Commercial Inland Marine Insurance program designed to meet the needs of businesses with property exposures that move or are not confined to a fixed location. This program is ideal for hard-to-place inland marine risks and provides flexible coverage options for agents and brokers seeking specialized solutions for their commercial clients. Ideal Accounts and Target Classes This inland marine program targets a wide variety of industries and property types. Coverage is available for both small and mid-sized accounts and includes first-dollar coverage options. You can confidently place accounts in the following classes: Accounts Receivable Bailee Coverage Builders' Risk Communication Towers and Equipment Computer Coverage Contractors Equipment Commercial Floaters Dealers Inventory Exhibitions and Fine Arts Furriers Installation Floaters Jewelers Block Medical Equipment Motor Truck Cargo Transportation Equipment Trip Transit Valuable Papers Warehouse Legal Liability Whether your client is a contractor transporting equipment between job sites, a fine art exhibitor, or a medical supply distributor, this program offers tailored solutions to protect their mobile assets. Coverage Highlights and Advantages The Commercial Inland Marine program offers broad, inland marine coverage for property in transit, movable property, and items that are difficult to insure under standard property forms. Coverage includes: Property in transit over land Property under construction Computerized equipment Legal liability for bailees Instrumentalities of transportation and communication Many policies are written on a "floater" basis, providing coverage regardless of the property's location. For clients seeking bundled solutions, a Commercial Package option is available, which includes: Commercial Property General Liability Crime Coverage Business Interruption Underwriting and Premium Flexibility For small and mid-size accounts, First Choice offers first-dollar coverage without high deductibles, making this program accessible for a wide range of business sizes. Premium financing is available, helping your clients manage cash flow while securing the protection they need. Territories and Admitted Status This program is available in a wide range of states, including AL, CA, CO, CT, DE, FL, GA, IL, IN, KS, LA, MD, MA, MI, MO, NV, NJ, NM, NY, NC, OH, OR, PA, SC, TX, VA, WA, and WI. Some admitted markets are available depending on the state and class of business. Why Work With First Choice Insurance Intermediaries, Inc.? As a trusted wholesale broker, First Choice Insurance Intermediaries, Inc. offers access to specialized inland marine markets and underwriting expertise that can help you place complex or mobile property risks quickly and efficiently. Their program is designed with flexibility in mind, ideal for agents and brokers seeking responsive service and comprehensive inland marine solutions across a range of industries. To learn more about the program or to explore appetite for a specific risk, visit the First Choice Insurance Intermediaries company profile. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for contractors, builders, transporters, jewelers, art exhibitors, and businesses with property frequently in transit or located at multiple sites. Is this program available for small businesses?Yes. First Choice offers first-dollar coverage options designed for small and mid-sized accounts, making it accessible for a wide range of business sizes. Does this program include coverage for property under construction?Yes. Builders' Risk coverage is part of the program and is suitable for insuring structures and materials during construction or renovation. Are policies written on an admitted basis?Some admitted markets are available depending on the state and type of risk. Availability varies by jurisdiction and class of business. Which states is the program available in?The program is available in AL, CA, CO, CT, DE, FL, GA, IL, IN, KS, LA, MD, MA, MI, MO, NV, NJ, NM, NY, NC, OH, OR, PA, SC, TX, VA, WA, and WI. Need help placing an account? Connect with a market specialist.

From super yachts to sportfish boats Maritime Program Group Recreational Marine Watercraft Insurance delivers comprehensive, market-ready marine products for brokers and independent agents. Whether your client owns a trailerable bass boat or a multi-million-dollar mega yacht, MPG combines specialist underwriting with flexible policy forms to place challenging and routine risks alike. With more than 15,000 yachts placed and two decades of focused marine underwriting, MPG offers agents direct access to technical expertise and carrier appetite that simplify placement of even the most complex accounts. Ideal Accounts and Appetite MPG is positioned to help agents place a broad range of personal and recreational marine risks. Our underwriting team evaluates each submission on its merits and has authority to consider a wide variety of vessel types and uses. Typical accounts include: Boats and yachts of all sizes and values, from trailerables to mega yachts Luxury and mega yachts used for coastal or bluewater cruising Live-aboard vessels and extended-cruise exposures High-performance boats, sportfish, and racing sailboats “Mature” or older vessels that need tailored valuation and coverage Personal watercraft (PWC) and tenders Examples you might place through MPG: a client with an older but well-maintained 30-foot sailboat who needs agreed-value protection and specialized liability limits; or an owner of an 80-foot motor yacht preparing for seasonal cruising who requires hull, liability, and crew coverage coordinated across regions. If a risk has unique equipment, high performance modifications, or live-aboard exposures, notify underwriting early so MPG can structure appropriate terms. Coverage Highlights and Advantages MPG Recreational Marine Watercraft Insurance is built to give agents practical advantages when placing marine business: Direct access to experienced, in-house underwriters with hands-on marine trades experience Policies and endorsements issued directly by MPG with broad forms and flexible limits Capacity to underwrite small craft up to multi-million-dollar yachts Access to programs supported by A.M. Best “A” rated carriers Dedicated in-house claims handling to speed resolutions and communication Loss prevention resources and industry-specific tools for risk mitigation Instant online access to quotes, endorsements, commission reports, and reprints Direct or agency billing options and competitive commission schedules Underwriting Notes and Minimum Premiums MPG reviews submissions individually, giving underwriters flexibility to address unique hull values, custom equipment, and non-standard usage. Minimum premiums and program terms depend on vessel type, length, value, and intended use; consult MPG underwriting for specific minimums and structure. Be prepared to provide valuation documentation, current maintenance history, survey reports (when available), and details about navigation limits and crew. Territories and Availability This program is available nationwide — all 50 states and Washington, DC — so you can place accounts across coastal and inland exposures. MPG underwriters understand regional differences in boating exposures, from Gulf and Atlantic cruising to Great Lakes and Pacific operations. Why Work With Maritime Program Group? As a managing general agency and carrier partner focused exclusively on marine risks, Maritime Program Group combines technical underwriting, dedicated claims support, and streamlined digital access. Agents benefit from fast, practical responses, flexible solutions for difficult risks, and longstanding carrier relationships. MPG’s team emphasizes clear communication and proactive placement strategies to help you win and retain business. Need help placing an account? Call Maritime at (800) 366-8086 for assistance with quotes, submissions, or program questions about Recreational Marine Watercraft Insurance. Frequently Asked Questions What types of accounts are a good fit for this program?The program fits personal-use and recreational boats and yachts across a wide spectrum — from PWCs and trailerable boats to luxury and mega yachts, including live-aboards and high-performance craft. Can I access underwriting directly?Yes. Agents and brokers work directly with MPG’s in-house underwriters, who can evaluate complex exposures and help tailor coverage quickly. Is this program available nationwide?Yes — MPG’s Recreational Marine Watercraft program is available in all 50 states and Washington, DC. What carriers support this program?MPG places business with a panel of carriers, including programs backed by A.M. Best “A” rated insurers. Contact underwriting for carrier specifics by account. Are older or “mature” vessels eligible?Yes. Older vessels are considered on a case-by-case basis; MPG can often provide coverage if you supply condition, maintenance, and valuation details. Need help placing an account? Connect with a market specialist.

ProSight Specialty Insurance offers a robust Excess Workers’ Compensation Insurance Program designed for qualified self-insured entities across a variety of sectors. This is a national admitted program available exclusively through ProSight’s trusted MGA partner, Midlands Management Corporation. If you're an agent or broker seeking a reliable market for self-insured clients in need of excess workers’ comp protection, this program is built to deliver comprehensive coverage solutions. Ideal Accounts and Appetite This program is specifically tailored for: Heterogeneous groups or associations Stand-alone individual self-insured entities Public entities, such as municipalities and school districts All insureds must be certified by their state of domicile to self-insure. The program is ideal for organizations with strong loss control practices and the financial capacity to absorb a self-insured retention (SIR). Coverage Highlights and Advantages Terrorism coverage included SIRs as low as $300,000 Aggregate/Stop Loss protection available Corridor and Inner Aggregate deductibles Employer’s Liability Coverage up to $5 million Out-of-State Coverage for multi-jurisdictional risks Communicable Disease Coverage up to $50 million USL&H coverage up to statutory limits Ability to work with Third-Party Administrators (TPAs) and self-administered programs Optional package coverage including Auto Liability, General Liability, Property, and Umbrella Underwriting Notes and Program Limits Specific Excess: Up to statutory limits Employer’s Liability: Up to $5 million Communicable Disease: Up to $50 million USL&H: Up to statutory limits All coverage is written on an admitted basis in most available states. Territories and Availability This Excess Workers’ Compensation program is available in most states, including but not limited to: CA, TX, FL, NY, IL, and PA. A full list includes over 45 states and the District of Columbia. Please contact Midlands Management Corporation to confirm specific state availability. Why Work With ProSight Specialty Insurance ProSight Specialty Insurance brings a deep understanding of complex self-insured workers’ compensation needs. By partnering with Midlands Management Corporation, ProSight delivers a streamlined distribution model, experienced underwriting, and access to flexible, high-limit coverage designed for public and private entities. Whether your client is a large municipality, a manufacturing association, or an individual employer with a strong risk profile, this program offers the tools and support you need to protect their workforce and financial stability. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for qualified self-insured public entities, individual employers, and industry associations with strong risk control practices. Is this program available nationwide?The program is available in most states, including CA, TX, FL, NY, and many others. Always confirm with Midlands Management Corporation for specific state eligibility. What are the minimum self-insured retentions (SIRs) required?SIRs start as low as $300,000, depending on account size, industry, and risk profile. Can this program accommodate multi-state exposures?Yes, the program includes Out-of-State Coverage and can accommodate employers operating in multiple jurisdictions. Does the program allow the use of TPAs or self-administration?Yes, the program supports clients working with Third-Party Administrators or managing claims in-house. Need help placing an account? Connect with a market specialist.