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WE’VE GOT YOU COVERED. Umbrella Program for Residential and Commercial Real Estate: Condos and Co-ops Limits: $5MM, $10MM, $15MM Overview of the Program from VAIL VAIL - Value Added Insurance Lines, in partnership with Trivedi, offers a specialized Umbrella Program for Residential and Commercial Real Estate accounts. This program is designed for condos, co-ops, and other similar properties that require an extra layer of protection beyond their primary insurance policies. With access to Fireman's Fund and other top-tier carriers in most available markets, this umbrella solution is ideal for agents and brokers serving clients with complex or high-value real estate portfolios. Ideal Accounts and Appetite This program is tailored for: Residential condominiums and cooperative buildings Commercial real estate properties with multiple tenants or locations Property management companies and real estate investment groups You might have a client who owns a portfolio of mid-rise condo buildings or manages a set of commercial units with exposure to public foot traffic. This umbrella program can help you deliver the higher limits and broader protection they need. Coverage Highlights and Advantages Separate Aggregate Limits Over Each Primary Policy Unlike most carriers that offer a single aggregate limit for both excess and umbrella coverage, this program provides a separate aggregate limit over each scheduled primary policy. That means your clients receive enhanced protection across all liability aggregates, including: Premises liability Products/completed operations Liquor liability Employer’s liability Additional Coverage Features: Automatic inclusion of additional insureds at the named insured’s option Automatic coverage for newly acquired or formed entities Follow-form aggregates that apply per location, per policy, per project, and per coverage Waiver of subrogation included (if present in the primary policy) Coverage for unintentional failure to disclose In addition to lead umbrellas, this program also offers excess limits up to $15 million, supported by dedicated umbrella/excess claims specialists who understand the unique risks of real estate operations. Underwriting Notes and Minimum Premiums There is no minimum premium requirement, making this a flexible solution for a wide range of account sizes. Minimum Underlying Requirements for First Layer Excess: General Liability $1,000,000 each occurrence/$2,000,000 general and products Automobile Liability $1,000,000 combined single limit Employers’ Liability $500,000/$500,000/$500,000 Director’s and Officer’s $1,000,000 each claim Territories and Availability This umbrella program is available in most U.S. markets, including AL, AZ, AR, CA, CO, CT, DE, FL, GA, 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, VA, WA, DC, WV, WI, and WY. Admitted paper is used where available. Why Work With VAIL VAIL is a trusted wholesale broker that brings value-added solutions to agents and brokers across the country. With access to high-quality carriers like Fireman’s Fund and a focus on real estate risk, VAIL provides tailored umbrella and excess coverage that helps you protect your clients and grow your business. Their expertise in crafting custom solutions and handling complex accounts ensures that you have the support you need from submission to claims. Frequently Asked Questions What types of accounts are a good fit for this umbrella program?This program is ideal for residential condos, co-ops, and commercial real estate properties needing higher liability limits and broader coverage. What are the umbrella limit options available?You can offer your clients limits of $5 million, $10 million, or $15 million, with excess options also available. Are newly acquired properties or entities automatically covered?Yes, the program includes automatic coverage for newly acquired or formed companies, helping to keep your clients protected as their operations grow. Is there a minimum premium requirement?No, there is no minimum premium, making this program accessible for accounts of various sizes. Which states is this program available in?The program is available in most U.S. states, including key markets like CA, FL, TX, NY, and IL. Need help placing an account? Connect with a market specialist.

Expertise. Solution. Service. MAXIMUM offers a specialized Condominium Unit Owners Liability (H06) program that helps independent agents and brokers place liability and limited dwelling exposures for clients who own or rent condominium or cooperative units. The program supports owner-occupied, seasonal and short-term rental uses with flexible underwriting and broad options designed for condo living. Ideal Accounts and Appetite This program is focused on individual unit owners and similar named insureds. Acceptable risks include: • Individual owners of condominium or cooperative units • Units titled to a trust, estate, LLC, family partnership or limited partnership • Coastal properties (wind/hail excluded) • Units used as short-term rentals (Airbnb, VRBO) subject to underwriting • Applicants with one prior loss in the past three years • Protection classes 1–9 Example accounts: a retiree who rents a beach condo part-time and needs liability and loss assessment protection; or a couple who own an urban high-rise co-op seeking personal liability, personal property and loss-of-use coverage. Coverage Highlights and Advantages MAXIMUM's H06 solution provides competitive limits and built-in features to address typical condo exposures: • Coverage A (Dwelling) up to $500,000 • Coverage C (Personal Property) up to $200,000 • Coverage D (Loss of Use) up to $50,000 • Loss Assessment coverage up to $50,000 • Personal Liability limits up to $1 million • Medical Payments included at $5,000 • Personal Injury included automatically Additional benefits include the option to add the condo association as an additional insured and access to vendor services such as identity theft protection, tenant screening and HR tools to enhance the client offering. Underwriting Notes The program is underwritten with flexibility to accommodate a range of condo risks. Deductible options include: • $500 base deductible for non-coastal units occupied annually (owner or renter) • $1,000 base deductible for seasonally occupied units Common ineligible risks: • Units purchased by companies for employee use • Units with woodstoves or supplemental space heaters • Units with business, child care, or farm exposures • Units under renovation • Units rented to college students or housing roomers/boarders • Units in protection class 10 or located in AK, AL, CA, FL, HI, KY, LA, MS, or WV Territories and Availability This H06 program is available in most U.S. states listed below, and is offered on an admitted basis in most of those territories. It is not currently available in AK, AL, CA, FL, HI, KY, LA, MS, or WV. Available states: AZ, AR, CO, CT, DE, GA, ID, IL, IN, IA, KS, ME, MD, MA, MI, MN, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WI, WY. Why Work With MAXIMUM? As a wholesale broker focused on specialized personal lines, MAXIMUM gives agents access to tailored H06 coverage, responsive underwriting and online quoting/binding. Our team helps place complex or non-standard condo risks and supports value-added services that make your submissions more competitive. You’ll get direct underwriting guidance and the infrastructure to move business quickly. Please reach out to us today by phone or email with any questions and to discuss how we can assist in this process. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include individual condo or co-op unit owners—occupied full-time, seasonally, or used as short-term rentals. Trusts, estates, LLCs and partnerships are eligible as named insureds. Are short-term rental units eligible for coverage?Yes. Short-term rentals such as Airbnb or VRBO are acceptable provided other underwriting criteria are met. Can the condo association be added as an additional insured?Yes. The program allows adding the condo association as an additional insured to address shared liability concerns. Are there any states where this program is not available?Yes. The program is not available in AK, AL, CA, FL, HI, KY, LA, MS, or WV. What are common reasons a risk might be ineligible?Ineligible risks typically include units under renovation, properties with woodstoves or space heaters, business or childcare exposures, units rented to college students or housing roomers/boarders, and locations in protection class 10. Need help placing an account? Connect with a market specialist.

Directors & Officers Insurance Program from J.R. Olsen Bonds & Insurance Brokers, Inc. J.R. Olsen Bonds & Insurance Brokers, Inc. offers a flexible Directors & Officers (D&O) Insurance program designed to protect the leadership of a wide range of organizations. As a Managing General Agency (MGA) with access to 25 different insurance carriers, we help agents and brokers place competitive D&O solutions nationwide — all 50 states plus Washington, DC. Ideal Accounts and Target Classes This D&O program fits both for-profit and nonprofit entities. Typical classes include: Banking institutions and financial service groups Condominium and homeowners associations Nonprofit organizations across a variety of missions Youth amateur sports leagues and associations (Little League, Pop Warner, soccer clubs, Pony Baseball) Professional service firms that also need Errors & Omissions protection Most professional organizations with board-level exposures Whether the account is a small nonprofit board or a complex professional association, our markets can be matched to the client’s governance exposures. Example placements you might bring to market: A regional nonprofit with a volunteer board seeking coverage for management decisions and employment-related exposures. A youth sports league that needs low-cost D&O for volunteer coaches and directors combined with fidelity coverage to protect against theft or dishonest acts. Coverage Highlights and Program Features Our D&O program is built to address claims arising from management decisions, fiduciary duties, employment practices, and other board-level exposures. We also offer packages tailored to youth amateur sports organizations that pair D&O with fidelity coverage for stronger protection of volunteers and funds. Program highlights: Directors & Officers for Youth Amateur Sports: League Association — No charge for $1 million coverage (example program) Team Coverage — $275 per team for $1 million in protection (example program) Fidelity for Youth Amateur Sports: Example: $125 per team for $10,000 in fidelity coverage Underwriting Insight We maintain a broad underwriting appetite across many classes. Accounts are evaluated on a case-by-case basis with attention to governance, financial stability, and prior loss history. Our underwriting team will guide you to the best-fit carrier among our panel of 25 markets and can place both admitted and non-admitted options depending on state and risk profile. State Availability This program is available in all 50 states and Washington, DC. We can submit placements from California to New York, Texas to Vermont, and everywhere in between. Why Work With J.R. Olsen Bonds & Insurance Brokers, Inc.? As an MGA with long-standing carrier relationships, J.R. Olsen provides agents and brokers with direct access to multiple D&O markets and responsive underwriting. Our experience in niche sectors — especially youth amateur sports and nonprofit governance — helps you secure tailored, cost-effective placements for clients with volunteer leadership or complex board exposures. We streamline submissions and placement, so you can present competitive D&O options to your clients with confidence. If you need help evaluating a file or identifying the right carrier on our panel, our market specialists are available to assist. Frequently Asked Questions What types of accounts are a good fit for this D&O program?Ideal accounts include nonprofit boards, condo associations, youth sports leagues, professional organizations, and financial institutions. Is this program available in all states?Yes. Our Directors & Officers program is available in all 50 states and Washington, DC. Can this program cover youth sports organizations?Yes. We offer specialized D&O and fidelity options for youth amateur sports leagues such as Little League, soccer clubs, Pop Warner, and similar organizations. Which carriers back this program?We work with a panel of 25 different insurance carriers to deliver competitive quotes and coverage solutions tailored to client needs. Do you offer admitted and non-admitted options?Yes. Depending on the state and the specific exposure, we can place coverage through admitted or non-admitted carriers on our panel. Need help placing an account? Connect with a market specialist.

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Policy Highlights: Colonial General Insurance Agency, Inc. offers a flexible, comprehensive Community Association Insurance program for well-established associations with completed development or construction. The program is designed for agents and brokers placing package or mono-line property and liability coverage for associations that manage residential communities. Eligible risks include: Homeowners associations (HOAs) for single-family homes Townhouse / townhome associations Residential condominium associations Time-share condominium associations Cooperative housing corporations Whether your client runs a suburban HOA, a gated townhome community, or a well-managed time-share complex, Colonial General provides modular coverage options to address the exposures these communities face. Coverage Highlights and Advantages Property coverage options Accounts receivable Basic, broad, or special form Building and contents Business income Computer equipment Equipment breakdown Inland marine Outside signs Valuable papers Replacement cost or actual cash value General liability coverage Primary limits up to $3 million occurrence/aggregate $5,000 medical payments coverage included Additional interests included at no charge Hired and non-owned auto available Excess/umbrella limits up to $25 million No deductible required (per policy terms) Crime coverage options Inside the premises — theft of money and securities Inside the premises — robbery or safe burglary of other property Outside the premises Ideal Accounts and Appetite This program works best for community associations that are fully developed and operational — active construction or new development is not eligible. Preferred accounts have: Stable financial histories and established reserves Active board governance and documented risk management practices Routine maintenance programs for common areas and building systems Accounts with recent or significant claims, ongoing construction exposure, or locations in extreme catastrophe zones may require additional review and could be declined or placed in surplus markets. Example fits for the program: A gated townhome community seeking to consolidate building and general liability coverages into a single package. A mid-rise condominium association that needs replacement-cost property coverage, business income, and an umbrella for director/officer liability exposures (placed separately as needed). Underwriting Notes and Market Access Colonial General operates as a Managing General Agency and Excess & Surplus Lines broker, providing access to a range of admitted and non-admitted carriers depending on the risk profile. Underwriting is consultative and structured to match coverage options to the association’s exposures. Key considerations include the association’s financials, claims history, maintenance records, and governing documents. Territory and Availability This program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Colonial General can place eligible risks in admitted markets where available; surplus markets are used when necessary. Why Work With Colonial General? Colonial General brings decades of regional experience serving the Western U.S. Their Community Association Insurance program emphasizes flexible policy structures, broad market access, and hands-on underwriting support for agents and brokers. If you need to place a single association or a small portfolio of HOAs and condos, Colonial General can help you identify appropriate admitted or E&S carriers and streamline placement. Frequently Asked Questions What types of accounts are a good fit for this program?Established homeowner associations, townhome associations, residential and time-share condominium associations, and cooperative housing corporations with completed development and active management. Are mono-line policies available?Yes. Both mono-line property or liability policies and package policies can be placed depending on the insured’s needs. Is this program available on an admitted basis?Some admitted markets are available; eligibility depends on the specific risk and location. Colonial General also places business in surplus lines when appropriate. What states is the Community Association Insurance program offered in?The program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. What limits are available under the general liability coverage?Primary liability limits up to $3 million per occurrence/aggregate are available, with excess or umbrella limits up to $25 million. Need help placing an account? Connect with a market specialist.

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