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UNDERGROUND STORAGE TANKS Insurance Program from Advanced E&S Group - Southeast Region Advanced E&S Group - Southeast Region offers a focused Underground Storage Tanks (UST) insurance program that helps independent agents and brokers place coverage for insureds with environmental exposures related to underground storage tanks. Whether your client operates a fuel station, regional airport, manufacturing site, or a public institution, this program delivers tailored protection for third-party liability, corrective action costs, and regulatory financial responsibility needs. Ideal Accounts and Appetite Airports and fixed-base operators Auto dealerships and service centers Commercial and industrial facilities (service stations, convenience stores, fleet fueling) Manufacturing plants with fueling or chemical storage Municipalities and public works Hospitals and healthcare campuses Schools, colleges, and universities Common fits include single-site or multi-site gas station portfolios, small regional airports with refueling operations, municipal fueling depots, and campuses that must meet federal or state financial responsibility requirements. The program targets accounts with documented tank inventories and routine maintenance; higher-risk locations or sites with large, unresolved releases may require pre-submission engineering or will be declined. Coverage Highlights and Advantages Third-party bodily injury and property damage resulting from tank releases Corrective action costs, including site investigation, cleanup and remediation Policies and certificates designed to satisfy applicable federal and state financial responsibility requirements Placement primarily on a non-admitted basis with carrier options dependent on state and file specifics Enhanced Coverage Terms Flexible limits of liability and deductible structures to match regulatory and client needs Broad coverage territory across most U.S. states Expanded definitions for additional insureds, first named insured, and remediation costs Extended reporting period enhancements available on request Underwriting Notes and Minimum Premiums Minimum premiums vary by tank type, site characteristics, and carrier. For efficient review, include a tank schedule, loss runs, operating history, and any environmental reports (Phase I/II, release reports). Helpful supplemental details: release history, cathodic protection status, recent tightness test records, overfill/spill prevention measures, and evidence of operator training. Advanced E&S Group works with multiple carriers to provide competitive terms and flexible underwriting solutions across a wide range of risks. Territories and Availability This program is available in most states across the U.S., including: AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, and DC. Availability and placement terms depend on carrier appetite and state regulation. Why Work With Advanced E&S Group As a Managing General Agency with focused environmental expertise, Advanced E&S Group provides agents access to a range of carrier solutions for UST risks. Their underwriters understand regulatory compliance, site remediation exposures, and the operational details that drive pricing and terms. You’ll benefit from responsive service, practical underwriting feedback, and flexible placement options for both single sites and portfolios. Example scenarios: You might have a client who runs a four-site gas station franchise looking for consolidated coverage and certificates to meet state financial responsibility rules, or a municipal airport that needs third-party liability and corrective action coverage after routine tank upgrades—both are good fits for this program. Frequently Asked Questions What types of accounts are a good fit for this program?This program fits facilities that operate underground storage tanks, including gas stations, airports, industrial plants, municipalities, educational institutions, and healthcare campuses. Is this coverage available in all states?Not in every state, but the program is available in most U.S. states listed above. Contact Advanced E&S Group with the specific state and site details to confirm availability. Does the policy meet federal or state financial responsibility requirements?Yes. Policies and certificates can be structured to satisfy applicable federal and state financial responsibility regulations, subject to carrier and state approval. What documents are required to get a quote?Provide a completed application, detailed tank schedule, loss runs, and any environmental assessments or prior remediation reports to speed underwriting. Are there flexible deductible and limit options?Yes. The program offers a range of deductibles and limits to align with client risk profiles and regulatory requirements. Need help placing an account? Connect with a market specialist.

...o help agents place coverage for Community Associations, Property Owners, and ...e Cyber$ential program is built for Community Associations, Property Owners, a...

Healthcare Insurance Program A & B Insurance Solutions LLC is a Managing General Agency and Excess & Surplus Lines broker focused on placing complex healthcare risks. We provide agents and brokers with access to multiple carrier relationships and tailored solutions for hard-to-place or specialized healthcare operations. Use this program to place accounts that need flexible underwriting, expanded appetite, or non-standard coverage forms. Ideal Accounts and Areas of Expertise This program is designed for both for-profit and nonprofit organizations across the healthcare spectrum. Our primary focus is on senior living and miscellaneous healthcare providers, including: Senior Living Facilities: Sub-Acute/Rehabilitation Centers Skilled Nursing Facilities Intermediate Care Facilities Assisted Living Communities Independent Living Facilities Continuing Care Retirement Communities (CCRCs) Miscellaneous Healthcare Risks: Hospice Providers Home Healthcare Agencies Medical Staffing Firms Mental Health Facilities Correctional Healthcare Providers Telehealth Services Adult Day Care Centers Coverage Highlights We offer a coordinated package of coverages to address the range of exposures healthcare operations face. Available lines include: General Liability Professional Liability Property Commercial Auto Umbrella/Excess Liability Underwriting and Premium Guidelines The program writes both for-profit and nonprofit entities nationwide. Minimum premium typically starts around $10,000, though final minimums and terms depend on the account’s size, loss history, operations, and desired limits. We work with carrier partners to structure layered programs and may consider package placements for multi-line exposures. Territories and Admitted Status This healthcare program is available in most states, with particularly strong capacity in AL, AR, FL, GA, IL, IN, KY, LA, MA, MI, MN, MO, NJ, NY, and TN. Coverage can be placed through admitted or non-admitted carriers depending on state rules and the risk profile. Why Work With A & B Insurance Solutions LLC A & B Insurance Solutions LLC brings deep healthcare underwriting expertise and market access to help you place complicated or multi-faceted healthcare accounts. Our strengths include: Access to multiple carriers — including E&S capacity — for hard-to-place risks. Experience with senior living and a wide range of ancillary healthcare exposures. Flexible solutions for multi-line placements and layered limits. Guidance on underwriting expectations to improve submission quality and placement speed. Example scenarios where this program fits: You have a regional assisted living operator expanding into multiple states and need a program that will coordinate GL, PL and umbrella limits across locations. You represent a hospice provider with unique professional exposure and want access to carriers that will consider tailored professional liability wording and coverage extensions. Need help placing an account? Connect with a market specialist. Frequently Asked Questions What types of accounts are a good fit for this healthcare insurance program?We focus on senior living operators, home health agencies, hospice providers, medical staffing firms, mental health services, and similar healthcare entities. Both for-profit and nonprofit organizations may qualify depending on operations and loss history. What is the minimum premium for accounts placed through this program?Minimum premium typically starts at $10,000, but it can vary based on account size, scope of coverage, and underwriting details. Is this program available in my state?We offer this healthcare program in most states, with strong availability in AL, AR, FL, GA, IL, IN, KY, LA, MA, MI, MN, MO, NJ, NY, and TN. Placement options depend on the state and specific risk. What lines of coverage can I access through this program?Agents can access General Liability, Professional Liability, Property, Commercial Auto, and Umbrella/Excess options tailored to healthcare operations. Are both admitted and non-admitted options available?Yes. We can place business through admitted carriers where appropriate and through non-admitted/E&S capacity when needed for expanded appetite or unique exposures. Need help placing an account? Connect with a market specialist.

Policy Highlights: Colonial General Insurance Agency, Inc. offers a specialized Mobile X-ray and Imaging Insurance program designed for businesses providing portable diagnostic imaging services. Whether your client is servicing nursing homes, assisted living facilities, correctional institutions, rehab centers, or homebound patients, this program offers tailored coverage solutions backed by A.M. Best A+ rated carriers. Overview of the Program From Colonial General Insurance Mobile X-ray and portable imaging businesses face unique liabilities as they operate outside traditional healthcare facilities. Colonial General understands this niche and provides access to flexible insurance options through top-rated carriers. As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General helps agents like you place hard-to-insure risks with reliable markets. Ideal Accounts and Appetite Target classes for this program include: Mobile X-ray service providers Portable ultrasound, MRI, and CT scan operators Imaging technicians servicing long-term care facilities, surgical centers, and correctional institutions This program is ideal for accounts that deliver diagnostic services on-site at nursing homes, rehabilitation hospitals, adult assisted living residences, and private homes. If you have a client expanding into mobile diagnostics or starting a new venture with portable imaging, this program can help secure the right coverage. Coverage Highlights and Advantages Coverage options vary by carrier, but may include: Professional Liability (Medical Malpractice) General Liability Commercial Auto (for transport vehicles) Property and Inland Marine (for mobile equipment) Workers’ Compensation (in select markets) Colonial General works with carriers that understand the exposures involved in operating sensitive diagnostic equipment in variable environments. This ensures comprehensive protection for your insureds, whether they operate a fleet of mobile units or a single portable device. Underwriting Notes and Minimum Premiums Coverages and premiums will vary based on the carrier and the specific risk characteristics of the account. Underwriters will review operational scope, number of units, technician credentials, service areas, and claims history. While no fixed minimum premium is listed, this program is best suited for accounts with professional operations and clear risk management procedures. Territories and Availability This program is available in the following states: Arizona (AZ) California (CA) Colorado (CO) Idaho (ID) Nevada (NV) New Mexico (NM) Utah (UT) Wyoming (WY) Some admitted markets are available depending on the state and coverage needs. Non-admitted options are also accessible for more complex or high-risk accounts. Why Work With Colonial General Insurance Agency Colonial General has deep experience placing specialty healthcare and niche liability risks. Their team offers responsive underwriting support, access to top-tier carriers, and solutions tailored to the mobile healthcare space. If you’re an agent or broker looking for a reliable partner to place mobile imaging business, Colonial General is ready to help you succeed. Frequently Asked Questions What types of accounts are a good fit for this Mobile X-ray and Imaging Insurance program?This program is ideal for businesses providing mobile diagnostic imaging services to nursing homes, assisted living facilities, correctional institutions, and homebound patients. What coverages are typically available under this program?Coverage options may include General Liability, Professional Liability, Commercial Auto, Property/Inland Marine for equipment, and Workers’ Compensation depending on the carrier and state. Which states is this program available in?The program is offered in AZ, CA, CO, ID, NV, NM, UT, and WY. Does this program offer admitted or non-admitted coverage?Some admitted markets are available; however, non-admitted options are also accessible depending on the risk and location. What information is required for underwriting?Underwriters typically look for operational details, technician qualifications, number and type of mobile units, service locations, and any prior claims history. Need help placing an account? Connect with a market specialist.

Scurich Insurance Services has been serving businesses in the Bay Area since 1924. Among other business insurance coverages, we specialize in Workers Compensation Insurance for employers across the Monterey Bay area. We work with agents and brokers to place competitive, appropriately underwritten Workers Comp programs that protect employees and reduce employer exposure. Overview of the Program from Scurich Insurance Services This program is designed for independent agents who need a responsive market for California Workers Compensation accounts. Scurich combines local underwriting knowledge with long-standing carrier relationships to help you secure the right coverage and pricing for small- and mid-sized employers. Our focus is practical: get a competitive rate, help control costs, and assist you in managing the account through policy term and renewals. Ideal Accounts and Appetite Small to mid-sized employers in Monterey Bay and surrounding Central Coast communities. Target classes: retail, restaurants and food service, light manufacturing, contractors and trades, landscapers, healthcare clinics, professional services, property management, and similar low-to-moderate hazard operations. Good fit: employers with regular payrolls, reasonable loss history, and interest in loss-control or return-to-work programs. Likely not a fit: large accounts with complex, high-hazard exposures or heavy out-of-state operations without prior discussion. Coverage Highlights and Advantages Core Workers Compensation coverage for medical costs, wage replacement, and employer liability defenses. Practical underwriting that considers payroll, class codes, loss history, and experience modification to target competitive premiums. Support for loss-control and claims management to help reduce long-term costs and improve client retention. Local market expertise — underwriting and service focused on California regulatory and care patterns specific to the Monterey Bay region. Underwriting Notes and Placement Guidance When submitting, provide completed payroll detail by class code, the most recent loss runs, and information about safety or return-to-work programs. Accounts with clean or improving loss history and documented safety practices typically receive the most favorable consideration. For accounts with elevated losses, highlight any corrective actions taken and your client's plan to reduce future claims. Territories and Availability Available in CA, with emphasis on Monterey Bay and nearby Bay Area communities. If an account has multi-state operations, include those details up front — it helps underwriters evaluate placement options promptly. Why Work with Scurich Insurance Services on Workers Compensation Nearly a century of local presence and experience in the Bay Area market. Agent-focused service: underwriting guidance, competitive quoting, and help managing renewals and loss-control conversations with clients. Flexible approach to a wide range of small- and medium-sized employer classes common to the Monterey Bay economy. We will: Get you a competitive rate with the right coverage. Save you money. Help you manage your program. Common employer myths — and the realities agents can explain to clients Myth: “I only have part-time or a few employees, so I don't need Workers Comp.” Reality: Workers Compensation covers medical expenses and lost wages from job-related injuries and protects against employee lawsuits; many customers or contracts require coverage regardless of employee count. Myth: “My employees would never sue me.” Reality: Injured workers may pursue large bills for medical care and related damages. Workers Comp provides defense resources and limits employer liability exposure. Myth: “Workers Comp is too expensive; I'll pay out-of-pocket if something happens.” Reality: Severe injuries, prolonged disability, and litigation can be far costlier than coverage. Workers Comp also supports return-to-work and medical management to minimize long-term costs. Myth: “My workplace is safe; accidents won't happen.” Reality: Accidents occur even in safe environments; a single mishap can create substantial medical and liability expense. Myth: “Medical costs in Workers Comp are unmanageable.” Reality: Recent trends show medical inflation in Workers Comp has been comparable to group health; cost-containment programs and regulation have moderated growth in many areas. Scurich Insurance Services has been serving the Monterey Bay Area since 1924. To make sure your clients have this essential protection for their workers at an affordable cost, place their Workers Compensation business with Scurich through your wholesale or brokerage channels and give us a call to discuss submissions and appetite. Frequently Asked Questions What types of accounts does Scurich prefer for this Workers Compensation program?Scurich focuses on small- to mid-sized employers in Monterey Bay and nearby California communities—retail, restaurants, light manufacturing, contractors, landscapers, healthcare clinics, and similar low-to-moderate hazard classes typically fit well. What documents should I include with a submission?Provide payroll by class code, the most recent loss runs (usually 3–5 years), a description of operations, and any safety or return-to-work programs. Additional detail on subcontracting or multi-state exposure speeds underwriting. Are there common declinations or restrictions I should expect?High-hazard operations, significant out-of-state payroll, or extremely adverse loss histories may require referral or additional underwriting. Discuss borderline accounts with Scurich underwriters before submitting. How does Scurich help with account management after placement?Scurich provides underwriting support at renewal, guidance on loss-control practices, and assistance coordinating carrier resources to help contain claim costs and improve client outcomes. Need help placing an account? Connect with a market specialist.

Midwest Nursing Homes & Assisted Living Facilities Insurance Program Caitlin Morgan Insurance Services offers a dedicated program that addresses the liability needs of nursing homes, assisted living facilities, memory care, and other senior care operations across the Midwest. The program is backed by Midwest Insurance Group (MIG), a member-owned Risk Retention Group (RRG) formed under the Liability Risk Retention Act. MIG was created to provide a stable, cost-effective alternative to rapidly rising liability costs in the healthcare sector. As an independent agent or broker, you can place long-term care accounts through Caitlin Morgan with underwriting tuned to the realities of senior living operations. The program emphasizes consistent underwriting, competitive liability placements, and coverage stability—important advantages in a volatile market for healthcare liability. Ideal Accounts and Appetite This program targets small- to mid-sized senior care providers that demonstrate strong operations and a commitment to risk control. Ideal placements include: Skilled nursing facilities Assisted living and memory care centers Independent living communities with healthcare components Continuing care retirement communities (CCRCs) Facilities with clean loss histories, solid regulatory compliance, and active staff training programs are preferred. For example, you might have a client running a 75-bed assisted living facility in Indiana who needs long-term professional and general liability protection—this program is built to serve that profile. Coverage Highlights and Advantages The program offers both Professional Liability and General Liability forms tailored to senior care exposures. Key advantages include: Member-owned RRG structure that supports long-term underwriting stability Coverage wordings and limits designed specifically for healthcare and senior living risks Consistent market availability when traditional liability markets are constrained Experienced claims handling and proactive risk management consultation Through the RRG model, insureds participate in a risk-sharing approach that aligns underwriters and members around loss control and rate stability. Underwriting Notes All submissions are reviewed on their own merits with emphasis on operational quality, staffing, training, and claims history. While there is no public minimum premium listed, accounts should reflect financially viable operations and a demonstrated focus on regulatory compliance. Facilities with recent major violations, repeat deficiencies, or high loss frequency are less likely to qualify unless there is clear evidence of corrective action and improved controls. Territories and Availability This program is available in the following Midwest states: Illinois (IL) Indiana (IN) Michigan (MI) Ohio (OH) Coverage is offered through the RRG structure and is supported with the necessary filings to operate in the listed states. Why Work With Caitlin Morgan Insurance Services? Caitlin Morgan Insurance Services specializes in healthcare and senior living risks and acts as the exclusive access point to the MIG program. Agents benefit from focused underwriting guidance, timely turnarounds, and hands-on support when placing long-term care liability. Whether you are submitting a single-location facility or a small group operator, Caitlin Morgan provides tailored solutions and a partner approach to risk placement and loss control. To learn more about the program or request a quote, visit our storefront or Caitlin Morgan’s company profile. Frequently Asked Questions What types of accounts are a good fit for this program?Skilled nursing facilities, assisted living and memory care centers, CCRCs, and independent living communities with healthcare components that have solid management, clean loss histories, and strong compliance in IL, IN, MI, and OH. What types of coverage are included?The program provides both Professional Liability and General Liability coverage with forms and limits designed for long-term care and senior living exposures. Is the program admitted or non-admitted?This program is offered through a Risk Retention Group (MIG). It operates under the LRRA and is authorized to write business in the listed states; it is not an admitted carrier in the traditional sense. Can I submit a facility with a recent claim?Yes—facilities with recent claims may be considered. However, accounts with high frequency or severity of losses are less likely to qualify unless there is clear evidence of improved risk controls and remediation. Who underwrites this program?Midwest Insurance Group (MIG), a member-owned Risk Retention Group focused on healthcare liability, underwrites the program. Need help placing an account? Connect with a market specialist.

...ps families identify appropriate community supports, or an agency that matches...ti-site referral networks and small community-based coordinators under this pr...

...ces, ambulatory surgery centers, community hospitals, and facility management ...