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Comprehensive Personal Lines Solutions from Van Wagoner Companies, Inc. Van Wagoner Companies, Inc. gives brokers and independent agents access to a broad, flexible Personal Lines program built for residential and personal risks that often sit outside standard market appetite. As an experienced Managing General Agency with strong carrier relationships—including Lloyds and Markel International—we place admitted and surplus lines business for hard-to-place, non-standard, and unique exposures across multiple states. Ideal Accounts and Appetite This program is designed for agents who need reliable markets for a wide range of personal property and liability risks. Typical accounts we write include: Single-family homes, including high-value and historic dwellings Rental properties and portfolios of rental dwellings Seasonal, vacant, or unoccupied homes awaiting sale or renovation Condominiums and apartment units Foreign-owned or owner-located-outside-the-U.S. homes Properties in flood- or wildfire-prone areas Personal articles and collections (fur, jewelry, fine arts) Farm and ranch properties with both residential and agricultural exposures Example: You might have a client with multiple rental dwellings in different states or a vacation home in a wildfire zone—Van Wagoner Companies can help you find the right admitted or surplus solution to place the account. Coverage Highlights and Advantages Through both standard and specialty markets, this program offers a full spectrum of coverages tailored to complex personal risks: Homeowners & Dwelling Options Homeowners forms A, B, C, 1–6, 8 Dwelling Fire (TP 1, 2, 3) Condominium unit-owner and apartment coverages Rental and vacant dwelling programs Flood insurance placement Coverage for foreign-owned homes Personal articles coverage for valuables, collections, and scheduled items Farm & Ranch Property coverage for residences, barns, and equipment Animal mortality options Farm liability, including premises and operations Because we place both admitted and non-admitted business, Van Wagoner Companies can accommodate unique property characteristics, recent lapses, or other underwriting challenges that limit standard-market availability. Underwriting Notes and Minimum Premiums Underwriting and minimum premiums vary by carrier and state. Our underwriting team offers flexible guidelines and will work with you to identify the most appropriate admitted or surplus market for each account. Provide complete loss history and detailed property information for the quickest response. Territories and Availability This Personal Lines program is currently available in: Arizona, Arkansas, California, Connecticut, Delaware, Idaho, Iowa, Nevada, New Mexico, Oklahoma, Pennsylvania, Texas, Utah, and Wyoming. We continue to expand capabilities—contact us to confirm current availability for a specific risk. Why Work With Van Wagoner Companies, Inc.? Van Wagoner Companies brings decades of MGA experience focused on personal property programs that fall outside traditional underwriting molds. Our carrier access (including Lloyds and Markel International), combined with hands-on underwriting and quick turnarounds, helps you place challenging risks and grow your book. We emphasize personalized service, pragmatic underwriting, and solutions-driven placement. Frequently Asked Questions What types of accounts are a good fit for this Personal Lines program?This program fits owner-occupied homes, rental properties, vacant dwellings, condominiums, foreign-owned homes, and farm or ranch properties with residential exposures. Can you write coverage for vacant or seasonal homes?Yes. We place both vacant and seasonal dwellings, including homes awaiting renovation or sale, using admitted or surplus markets as appropriate. Are high-value homes or collections eligible for coverage?Yes. We can insure high-value homes and provide personal articles scheduling for valuables such as fur, jewelry, and fine arts. Is this program available on an admitted or non-admitted basis?We access both admitted and non-admitted markets to give you the flexibility to place risks that standard carriers may decline. In which states is this Personal Lines program available?Coverage is currently available in AZ, AR, CA, CT, DE, ID, IA, NV, NM, OK, PA, TX, UT, and WY. Need help placing an account? Connect with a market specialist.

Comprehensive Workers' Compensation Solutions from Eastern Premiere Insurance Center Eastern Premiere Insurance Center (EPIC) offers a flexible and competitive Workers' Compensation program designed to help agents and brokers place a wide range of accounts, from small new ventures to large, established operations. With access to top-rated carriers and a strong underwriting team, EPIC helps you deliver fast, reliable, and well-priced Workers' Comp solutions for your clients across nearly all industries. Ideal Accounts and Appetite This program is built to accommodate a broad range of businesses, making it easy to find a home for even your more complex or hard-to-place risks. Key appetite highlights include: New ventures and start-up operations are welcome Small businesses with minimum premiums starting around $700 Large accounts with high payroll and multi-state operations Monoline Workers' Comp placements For example, you might have a client launching a small contracting business or a real estate investor needing monoline coverage for property management staff—EPIC can quote these types of accounts quickly and competitively. Coverage Highlights and Advantages Same-day quotes available for many submissions Up to 10% commission for appointed agents Access to National Liability & Fire Insurance Co. and other top carriers New California-specific rate reductions: 10.4% in June plus an additional 12% cut effective July 1, 2005, for Monoline Workers' Comp Whether you're insuring a first-time business or a large multi-location operation, EPIC's program offers competitive pricing and fast turnaround for agents who need efficient solutions for time-sensitive accounts. Additional Program – Real Estate Building Commercial Package Lessors Risk Only Highly competitive pricing with broad coverage terms Coverage available for small to high-valued HPR buildings 24-hour quote turnaround available up to $15 million per building, covering up to 10 buildings per policy Ideal for rush escrow closing cases with high building limits Underwriting Notes and Minimum Premiums Minimum premiums vary by state and class of business, with entry points as low as $700. EPIC's underwriting team works with you to evaluate risk and find the right market, whether you're submitting a single-location retailer or a multi-state logistics company. Territories and Availability This Workers' Compensation program is available nationwide, including all 50 states and the District of Columbia. Whether your client is based in California, New York, Texas, or anywhere in between, EPIC can help you secure the coverage they need. Why Work With Eastern Premiere Insurance Center? As a trusted Managing General Agency, EPIC leverages decades of market experience and strong carrier relationships to support agents with responsive service, aggressive pricing, and flexible underwriting. Their dedication to fast quote turnaround and broad risk appetite makes them a valuable partner for agents working with businesses of all sizes and types. From monoline Workers' Comp to complex real estate packages, EPIC helps you close more business, faster. Frequently Asked Questions What types of accounts are a good fit for this Workers' Comp program?The program fits a wide range of businesses, including new ventures, small businesses, and large operations. Ideal accounts include contractors, real estate managers, retailers, and service-based industries across all states. Can I submit new ventures or start-up businesses?Yes, new ventures are welcome. Eastern Premiere Insurance Center works with agents to evaluate and place start-up risks efficiently. How quickly can I get a quote?Same-day quotes are available for many submissions, especially for monoline Workers' Comp. Complex accounts may require additional underwriting time. Is this program available in all states?Yes, the program is available in all 50 states and Washington, DC. EPIC has national reach with carrier access to support business in any state. Are commissions available for agents?Yes, appointed agents may earn up to 10% commission on Workers' Comp placements through EPIC, depending on the account and carrier. Need help placing an account? Connect with a market specialist.

New Workers Compensation Insurance Program From Phoenix Risk Management Phoenix Risk Management offers a flexible and competitive Workers Compensation Insurance Program designed for a wide range of industries and business types. Available in most states, this program is backed by a national “A” rated carrier and provides broad underwriting flexibility to help you place hard-to-fit accounts or emerging businesses with confidence. Ideal Accounts and Appetite This program is ideal for small to mid-sized businesses with at least $250,000 in payroll in the governing class code. Phoenix Risk Management welcomes a variety of industries, including new ventures, staffing agencies, and trucking operations—with specific underwriting thresholds for each. Staffing Companies: Minimum premium of $15,000 with a mandatory deductible. Trucking Companies: $25,000 minimum premium for accounts with no owner-operators. $50,000 minimum premium for accounts with up to 15% owner-operators. General Business Accounts: Must have a loss ratio between 40%–60% over the past three years. You might have a client with a growing manufacturing operation or a newly launched staffing firm—both could be a strong fit under this program’s flexible underwriting approach. Coverage Highlights and Advantages No class code restrictions – Underwriting is open to a wide range of industries. Pay-as-you-go payroll reporting – Helps insureds better manage cash flow. Deductible options – Starting as low as $1,000 per claim, with no collateral required for deductibles under $10,000. New ventures accepted – Ideal for clients launching new operations. No financials or deposits required – The only upfront cost is the first month’s payroll report. Underwriting Notes and Minimum Premiums Minimum Payroll: $250,000 in the governing class code. Minimum Premiums: As low as $2,000 depending on the account. Loss History: Preferred loss ratio between 40%–60% over the last three years. Deductibles: Available with no collateral under $10,000. Territories and Availability This program is available in most states, including but not limited to: CA, TX, FL, NY, IL, GA, PA, OH, and WA. A full list of participating states includes: 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. Why Work With Phoenix Risk Management? Phoenix Risk Management is a trusted Managing General Underwriter and Excess & Surplus Lines Broker with deep expertise in workers compensation placement. Their streamlined underwriting process, access to top-rated carriers, and flexible program design make them an excellent partner for brokers and agents looking to place a variety of WC risks. With no financials or deposits required and a national “A” rated carrier backing the coverage, this program allows you to confidently serve your clients’ workers compensation needs. Frequently Asked Questions What types of accounts are a good fit for this Workers Compensation program?Ideal accounts include businesses with at least $250,000 in payroll in their governing class code, new ventures, and companies with a loss ratio between 40%–60% over the past three years. Staffing and trucking companies may also qualify with certain minimum premiums and underwriting requirements. Is this program available in my state?The program is available in most states, including CA, TX, FL, NY, and many others. Please refer to the full state list or contact Phoenix Risk Management for eligibility in your area. Are there any financial requirements for submission?No financial statements are required. Additionally, no deposits are necessary—only the first month’s payroll report is needed to initiate coverage. Can new ventures apply for coverage under this program?Yes, new ventures are acceptable and welcomed under this program, provided they meet the minimum payroll and other underwriting criteria. What deductible options are available?Deductibles start as low as $1,000 per claim. No collateral is required for deductible options under $10,000. Need help placing an account? Connect with a market specialist.

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