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Policy Highlights: Boating is a passion for many, but operating a boat engine repair shop, storage facility, or mobile marine service brings specialized liability and property exposures. Colonial General Insurance Agency, Inc. offers a focused Boat Engine Repair Insurance program to help agents place coverage for these niche marine service risks quickly and efficiently. Overview of the Program From Colonial General Colonial General is a managing general agency and excess & surplus lines broker with deep market relationships across the Western U.S. This Boat Engine Repair Insurance program is designed for businesses that service, store, maintain, or transport boats and marine engines. The program combines broad garage and garagekeepers coverages with optional property and in-transit protections to meet the needs of small repair shops through larger multi-bay marine service centers. Ideal Accounts and Appetite This program fits a range of marine service operations, including: Boat engine repair shops and independent marine mechanics Marine service garages and multi-bay repair facilities Boat storage yards and winterization facilities Boat dealerships with in-house service departments Mobile marine service providers and towing/tow-repair operators Typical acceptable operations include engine diagnostics, mechanical repairs, routine maintenance, winterization, and transport/towing of customer vessels. Risks that perform major structural alterations to hulls or install nonstandard aftermarket modifications may require additional underwriting review. Coverage Highlights and Advantages Colonial General markets a robust commercial garage program tailored for marine exposures. Key features include: $3,000,000 aggregate liability capacity Garage liability limits up to $1,000,000 per accident $5,000 medical payments Garage Keepers coverage on a primary basis (specified causes of loss) In-transit coverage for towing and mobile service operations Dealers physical damage and false pretense coverage Fire legal liability and broadened coverage endorsements Optional property coverage to protect buildings, equipment, and business personal property These options let you tailor limits and coverages to fit a client’s operations—whether a single-bay mechanic or a dealer with multiple service lifts and storage racks. Underwriting Notes and Minimum Premiums Colonial General works with admitted and non-admitted markets depending on state and risk characteristics. Underwriters look for clear descriptions of operations, up-to-date safety practices, and complete loss histories. Clean loss runs and documented safety programs (lift procedures, secure storage, towing protocols) typically produce the most competitive terms. Minimum premium requirements vary by carrier and state; the underwriting team is willing to review small and mid-size accounts as well as more complex risks. Provide detailed submissions that describe tow radius, storage capacity, number of bays, and whether customer vessels are stored indoors or outdoors. Territories and Availability The program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Admitted markets are available in some states; non-admitted options can be used for harder-to-place risks. Why Work With Colonial General? Colonial General brings decades of specialized underwriting and broad market access for garage and marine service exposures. Agents benefit from fast turnaround, responsive underwriting, and the ability to place both standard and more complex marine service accounts. The MGA’s experience placing garagekeepers, in-transit, and dealers physical damage coverage makes it a practical option when your client’s operations include repair, storage, or towing. Have a client that needs coverage? Connect with a market specialist to discuss submission requirements or request a quick quote: Connect with a market specialist. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for boat engine repair shops, marine mechanics, boat storage facilities, and boat dealers with service operations. Is Garage Keepers coverage included?Yes. Garage Keepers coverage is available on a primary basis for specified causes of loss to protect customers’ boats while in the insured’s care, custody, and control. Which states is this program available in?The program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Can towing operations be covered?Yes. In-transit coverage for towing and mobile service operations is available, which makes this a good fit for mobile marine technicians and tow/recovery services that handle customer boats. Are boat dealers eligible for this program?Yes. Dealers with service departments and on-site repair operations are eligible, including dealers who provide diagnostics, repairs, and storage services. Need help placing an account? Connect with a market specialist.

Intercorp, Inc. is a trusted program administrator and wholesale insurance brokerage, offering innovative solutions in two key casualty lines: professional liability and environmental liability. With decades of experience and a commitment to outstanding customer service, we provide agents and brokers with the tools they need to place coverage confidently and efficiently. Overview of Our Program At Intercorp, we believe in building strong relationships with our partners. Our approach blends creativity with deep market expertise to develop customized insurance solutions for a wide range of professional and environmental exposures. We are not just a phone call or email away—we value face-to-face communication and are always ready to collaborate directly to help you meet your client’s needs. Ideal Accounts and Appetite We specialize in professional and environmental liability placements for a wide variety of classes. Our programs are designed to serve both traditional and niche markets. Targeted Professional Liability Classes: • Engineers and Architects • Consultants • Lawyers • Accountants • Insurance Brokers & Agents • Technology Firms • Privacy & Data Breach Liability Risks Real Estate-Related Professional Classes: • Home Inspectors • Appraisal Management Companies • Property Managers • Appraisers • Title Agents • Real Estate Brokers/Agents • Auctioneers Environmental Liability Classes: • Underground and Above-Ground Storage Tanks • Environmental and General Contractors • Site Pollution Risks • Dry Cleaners • Agricultural Environmental Risks We also offer flexible packaging, such as combining pollution, professional, and general liability into one policy with a single carrier—streamlining coverage for your insureds. Coverage Highlights and Advantages Broad access to various carriers and markets Ability to package multiple coverages under one policy Customized solutions for hard-to-place or niche risks Responsive service with a personal touch Programs available in all 50 states and D.C. Example: You may be working with a property manager who also performs environmental remediation work. Through Intercorp, you can structure a combined policy that includes both professional liability and site pollution coverage—streamlining protection and compliance. Underwriting Notes and Minimum Premiums Minimum premiums vary depending on the class of business, limits requested, and coverage structure. We take the time to understand the nuances of your client’s operation so we can deliver the right coverage at competitive terms. Submissions are evaluated quickly and with attention to detail to avoid unnecessary delays or misquotes. Territories and Availability Our programs are available nationwide, including all 50 states and Washington, D.C. Whether your client is based in California, Texas, New York, or anywhere in between, we can help you find the right solution. Why Work With Intercorp? We are more than a program administrator—we are your strategic partner. Our deep understanding of professional and environmental liability exposures, paired with our dedication to service and innovation, ensures that you and your clients receive superior support from submission to policy issuance and beyond. Let Intercorp help you deliver smart, customized insurance solutions. Contact us today to learn more about our programs and how we can make placing business easier for you. Frequently Asked Questions What types of accounts are a good fit for Intercorp’s programs?We are best suited for professional service firms (engineers, lawyers, consultants), real estate professionals (appraisers, managers, title agents), and environmental risks such as contractors and site pollution exposures. Can you combine multiple coverages into one policy?Yes, we offer the ability to package pollution, professional, and general liability coverages into one policy with a single carrier, making it easier to manage and more efficient for your client. Are your programs available in all states?Yes, our programs are available in all 50 states and Washington, D.C., offering nationwide access for your clients. What is the minimum premium for your programs?Minimum premiums vary based on coverage limits and class of business. Contact us with your client's details for a tailored quote. Which carriers do you work with?We work with a variety of carriers to match the right market to your client’s specific risk profile. Need help placing an account? Connect with a market specialist.

Policy Highlights for Long Term Care Facilities Insurance: Colonial General Insurance Agency, Inc. offers a competitive, flexible Long Term Care Facilities Insurance program tailored for independent living and assisted living facilities. With a widened underwriting appetite and reduced base rates, this program helps agents and brokers place more long-term care risks — including newer facilities and accounts with more complex exposures — using solutions designed for this niche. Ideal Accounts and Appetite This program is well-suited for: Assisted living facilities Independent living communities Small to medium-sized long-term care operations Preferred accounts are those that emphasize resident safety, maintain clean loss histories, and demonstrate strong management and risk-control practices. Facilities with documented risk management programs and locations in favorable legal venues may qualify for favorable credits and broader terms. Example: You might have a client operating a 40-unit assisted living facility in Utah with no major claims in the past five years — that profile typically fits well with this program given the updated coverages and lower base rates. Coverage Highlights and Advantages Colonial General’s Long Term Care Facilities Insurance program delivers broad liability solutions and expanded options for assisted and independent living operations. Key features include: For assisted and independent living: Lower base rates designed to increase placement opportunities Removal of the assault and battery exclusion where allowable Occurrence-form coverage available for independent living facilities Medical payments for non-residents with $2,500 and $10,000 limit options Broadened coverages and options: Higher limits for sexual abuse and molestation exposures Punitive damages coverage where legally permitted Split liability limits to better manage complex exposures Defense costs outside the limits of liability Communicable disease coverage Expanded territory options and credits for preferred venues Underwriting Notes and Minimum Premiums The program is accessible through both admitted and non-admitted markets depending on the state and account characteristics. Colonial General partners with multiple carriers to align the risk with the most appropriate market. Minimum premium thresholds vary by carrier and jurisdiction; the program’s reduced base rates make it practical for a wide range of account sizes. Territories and Availability Coverage is available for risks located in the following states: Arizona (AZ) California (CA) Colorado (CO) Idaho (ID) Nevada (NV) New Mexico (NM) Utah (UT) Wyoming (WY) Why Work With Colonial General? As a Managing General Agency and Excess & Surplus Lines broker, Colonial General combines deep market access with focused underwriting expertise for the long-term care sector. They support independent agents and brokers by placing business other markets may decline and by offering responsive service, flexible terms, and an expanded appetite for assisted and independent living risks. To learn more about this program or explore additional markets, visit Colonial General Insurance Agency, Inc.. Frequently Asked Questions What types of accounts are a good fit for this program?Assisted living and independent living facilities with clean loss histories, documented risk controls, and strong management practices are the best fits for this program. Are both admitted and non-admitted options available?Yes. Colonial General places accounts in admitted and non-admitted markets depending on the state and the specific characteristics of the risk. Is occurrence form coverage available?Yes. Occurrence-form coverage is available for independent living facilities under this program, subject to underwriting. Does the policy include coverage for communicable diseases?Yes. Communicable disease coverage is part of the program to help facilities manage that exposure where offered by the underlying carrier. In which states is this program available?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Need help placing an account? Connect with a market specialist.

Overview of the Program From Senior Market Sales, Inc. Senior Market Sales, Inc. (SMS) offers a broad agent-focused distribution platform for Life, Long-Term Care (LTC), Senior Health, Dental, Annuity, Travel and War Risk Insurance. The centerpiece of SMS' agent technology is the SMS Agent Advantage system — a suite of online tools, services, rewards and incentives that give agents fast access to quotes, forms and carrier materials. SMS combines national marketing experience with proprietary web technology to streamline placement, reduce marketing costs and support cross-selling opportunities for producers working with senior and individual clients. SMS Agent Advantage — key agent services Free 24/7 agent access to quotes and forms for Term and Universal Life, MedSupp, LTC, Dental and Travel products Enhanced website content and product pages for Life, MedSupp, LTC, Dental and Travel lines Agent/agency website quote engines for Term Life, Dental, Travel and Medicare Supplement Pre-underwriting services for Life and LTC to speed placement and improve fit Impaired risk life underwriting for nonstandard cases Loyalty rewards, trips and incentive programs Online document library with carrier bulletins and forms Weekly status emails on all submitted business to keep producers informed Insurance lines supported SMS supports a wide range of insurance product lines; see the SMS product listing for full details: Insurance lines. Life insurance — Term, Whole, Universal, Senior Life, Final Expense / Pre-need, Mortgage Life, Single Premium, Juvenile, Group/Worksite Annuities Long-Term Care — Individual and Group/Worksite Medicare Supplements Dental insurance — Senior dental, individual and worksite Travel insurance and international Life, Health, Disability, AD&D, plus War Risk Medical & AD&D Defense Base Coverage (workers' compensation solutions for U.S. government contractors overseas) Ideal Accounts and Typical Appetite SMS is tailored for independent agents and brokers who place individual and senior-focused business. Typical accounts that fit well include: Seniors shopping for Medicare supplements, senior dental or final expense coverage Individuals and families seeking term or universal life to cover mortgages, education or legacy needs Clients needing stand-alone or group long-term care solutions Travelers and contractors requiring international medical, AD&D or war risk coverage Impaired-risk life cases that need specialized underwriting attention Cases that often do not fit well are large commercial group programs outside SMS’ senior and individual focus, or highly complex commercial lines better suited to a dedicated carrier or large brokerage practice. Coverage Highlights and Advantages Broad product shelf across life, annuity, LTC, Medicare Supplement, dental and travel lines — useful for cross-sell opportunities. Pre-underwriting and impaired-risk underwriting increase placement success on substandard lives and complex LTC scenarios. Online quote engines and document libraries speed proposal turnaround and reduce administrative overhead for producers. Weekly submission status updates help agents manage pipelines and client expectations without extra follow-up. Underwriting Notes and Minimum Premiums Underwriting varies by carrier and product. SMS’ pre-underwriting services can help identify best-fit carriers and reduce declines for life and LTC submissions. For impaired-risk life cases, SMS works with underwriting resources experienced in nonstandard health conditions. Minimum premiums and specific product underwriting rules depend on the carrier and state. Agents should verify minimum premium thresholds and product availability when preparing a submission. Territories and Availability SMS markets are available in 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 and product approval vary by state and carrier — confirm licensing and appointments where required. Why Work With Senior Market Sales on This Business Agent-focused technology and workflow designed to reduce sell time and administrative burden Experienced underwriting support for difficult life and LTC cases Wide product access that supports cross-selling to seniors and individuals Regular communication (weekly status emails) and incentives that help build producer loyalty Example scenarios: You have a 67-year-old client shopping Medicare Supplement and senior dental — SMS can provide comparative quotes, product pages and enrollment materials to streamline the sale. You’re placing a substandard life case with a recent medical history — SMS’ impaired-risk underwriting and pre-underwriting services can identify carriers and improve the chance of offer. Frequently Asked Questions What types of accounts are a good fit for the SMS program?Individual and senior-focused accounts are best: Medicare Supplements, senior dental, final expense, individual life and annuities, LTC and travel/war-risk coverage. SMS also handles impaired-risk life cases and group/worksite LTC and dental in many states. How do I access quotes, forms and carrier bulletins?Agents use the SMS Agent Advantage system for 24/7 access to quotes, enrollment forms and carrier documents. The system includes online quote engines for Term Life, Dental, Travel and Medicare Supplement products. Does SMS help with underwriting for difficult cases?Yes. SMS offers pre-underwriting services for Life and LTC and has resources for impaired-risk life underwriting to improve placement chances for nonstandard cases. Are these products available in my state?Availability varies by carrier and product. SMS supports the states listed above, but agents should confirm product approval and appointment requirements for the specific state and carrier before submitting business. Need help placing an account? Connect with a market specialist.

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