Search CompleteMarkets

... who need a market for municipal, county, district and educational accounts. T...counts and Appetite Municipal governments: boroughs, cities, towns, towns...

...target classes include: County jails and correctional facilities County health departments County nursing homes Municipalities (inc...Accounts That Fit A mid-sized county seeking consolidated property, lia...

...oviders Government contracts (county, state, and federal) If you're worki...?Yes, we consider accounts servicing county, state, and federal contracts. Wha...

...coverage for a small borough or a county agency, our team brings the underwrit...lic Entities We Write: City and County Governments Towns, Villages, Boroughs, ...

...tachments Public entities (city/county) and contractors where values are sch...igher-value units. Are municipal and county government entities acceptable?Yes. City and county governmental entities are acceptab...

... entities, including: City and County Governments Towns, Villages, Boroug...m?This program is ideal for city and county governments, townships, emergency response ...

...lected or appointed to municipal, county, or state offices. These bonds guaran...on-admitted options depending on the county’s requirement. - A small municip...

Two Umbrella Liability Programs Designed Exclusively for Community Associations With over 42,000 community associations served, Ian H. Graham (IHG), through Affinity Specialty Program Network (ASPN), is a market leader in tailored insurance solutions for this niche. The Ian H. Graham Insurance Umbrella Liability Insurance Program offers two distinct options designed to protect residential community associations from catastrophic liability exposures: the Commercial Umbrella and the Low Limit Umbrella. Commercial Umbrella Program Highlights Underwritten by Fireman's Fund, the Commercial Umbrella program provides up to $15 million in excess liability limits for community associations. Unlike most carriers that combine excess and umbrella aggregates, this program offers separate aggregate limits over each scheduled primary policy, including: Premises Liability Products/Completed Operations Liability Liquor Liability Employer’s Liability When paired with an IHG Community Association Directors' & Officers' (D&O) Liability policy, clients receive a 10% premium credit on the umbrella coverage. Key Features: Excess limits up to $15 million Separate aggregate limits by underlying policy Broad Named Insured and Personal Injury coverage Advertising Injury and Automatic Waiver of Subrogation Dedicated umbrella/excess claims specialists Automatic coverage for newly formed or acquired entities Follow-form aggregates per location, policy, and coverage Low Limit Umbrella Program for Smaller Associations This competitively priced option provides up to $2 million in excess liability for smaller residential homeowner and townhome associations. It is ideal for associations that meet the following criteria: Maximum of 300 units No more than three stories high Maximum of two swimming pools Ineligible Risks Include: Associations with owned auto policies (hired & non-owned autos) Employer’s liability coverage Commercial risks Condo/co-op associations Claim History Requirements: No claims over $25,000 in the past 12 months No more than three claims in the past 12 months No severe losses involving death, paralysis, or extensive bodily injury Ideal Accounts and Appetite This program is specifically designed for residential community associations, including HOAs and townhome associations. Whether you're working with a large master-planned community or a smaller residential development, IHG offers options to match the scale and risk profile of your client’s operations. Example accounts might include: A gated townhome community with 280 units, two pools, and no significant claims history A mid-sized HOA with D&O coverage in place looking to expand its liability protection Available States and Admitted Status This program is available on an admitted basis in all 50 states and the District of Columbia, offering broad accessibility and compliance advantages for agents nationwide. Why Work With ASPN and Ian H. Graham Affinity Specialty Program Network and Ian H. Graham bring over five decades of underwriting expertise to the community association market. With dedicated claims teams, flexible underwriting, and access to top-rated carriers like Fireman's Fund, ASPN delivers both protection and peace of mind to your insureds—and confidence to you as their broker. All descriptions, summaries or highlights of coverage are for general informational purposes only and do not amend, alter or modify the actual terms or conditions of any insurance policy. Coverage is governed only by the terms and conditions of the relevant policy. Insurance license information Frequently Asked Questions What types of accounts are a good fit for this umbrella liability program?The program is designed for residential community associations, including HOAs and townhome associations. The Commercial Umbrella fits larger associations, while the Low Limit Umbrella suits smaller associations with fewer than 300 units and up to two swimming pools. Are there any restrictions on eligibility?Yes. The Low Limit Umbrella does not cover associations with owned auto policies, employer’s liability, commercial exposures, or condo/co-op associations. There are also strict claim history requirements. What are the benefits of placing both D&O and Umbrella coverage with IHG?When you place the Commercial Umbrella over an IHG Community Association D&O policy, your client receives a 10% premium credit on the umbrella policy, creating a cost-effective coverage package. Which states is the program available in?The Ian H. Graham Umbrella Liability Insurance Program is available in all 50 states and the District of Columbia on an admitted basis. What carrier underwrites this umbrella program?The program is underwritten by Fireman’s Fund, a top-rated insurance carrier known for financial strength and specialized products. Need help placing an account? Connect with a market specialist.

The Life Agent Solutions Insurance Program provides independent life insurance agents with a cutting-edge E&O liability product with broad coverage, attractive pricing, plus online distribution for immediate coverage. Please note: If your BGA or IMO provided you with a unique website address to access this program, please use that URL to access their customized site. Life Agent Solutions Insurance Program Benefits Attractive pricing - premiums as low as $434* B+ insolvency coverage Simple one-step online process Easy payment options online for immediate coverage Print proof of coverage Enterprise risk management Easy online account management *Based on Basic Plan (includes premium, taxes and any fees) which includes coverage for Fixed Life, Accident & Health, Long Term Care and Disability Products. Life Agent Solutions Insurance Program Key Coverage Highlights Vicarious liability coverage for the negligent acts by anyone for whom the insured is legally liable There is no shared policy limit between independent agents who are named insureds in the program or between BGAs who are named insureds in the program No coverage exclusion for placements with companies rated B+ or better with A.M. Best Defense costs are outside of the limits of liability Corporate Identity Protection Coverage Crisis Response Coverage Electronic Media Coverage Mediation Deductible Credit Disciplinary Proceedings Coverage Loss of Earnings due to Hearings or Depositions Regulatory Inquiry Coverage Life Agent Solutions Insurance Program Coverage Options Basic Coverage (premiums starting at $434*) - under the policy includes the sale and service of the following – individual and/or group life insurance and accident and health insurance, individual and/or group disability income insurance, long-term care insurance, Medicare Supplemental Insurance and Medicare Advantage plans. Basic Plus Coverage (premiums starting at $502*) - is available by endorsement and in addition to Basic Coverage includes the sale and servicing of fixed annuities and indexed annuities. Comprehensive Coverage (premiums starting at $627*) - is available by endorsement and in addition to Basic Plus Coverage includes the additional sale and servicing of fixed annuities. It also includes the sale and servicing of the following financial products: mutual funds registered with the Securities and Exchange Commission and variable life and variable annuity products, but only if such financial products are sold or serviced by an insured who is properly licensed and registered with the Financial Industry Regulatory Authority as a registered representative, registered investment advisor, or investment advisor representative as these terms are defined in the policy. Also covered are notary public services, expert witness and financial planning related to covered professional services. Easy Online Account Management Once insured you can access the “My Account” self-service feature to manage your account online. It’s easy to: Change passwords View payment history Review coverage history Print proof of coverage Review frequently asked questions (FAQs) And more Value-added Risk Management Services As an insured, you’ll have access to a variety of risk management tools and specialized resources including: Help line services, webcasts and consultations with a qualified attorney on a potential claim or circumstance that could lead to a claim. Aon Affinity is the brand name for the brokerage and program administration operations of Affinity Insurance Services, Inc.; (TX 13695); (AR 100106022); in CA & MN, AIS Affinity Insurance Agency, Inc. (CA 0795465); in OK, AIS Affinity Insurance Services Inc.; in CA, Aon Affinity Insurance Services, Inc., (CA 0G94493), Aon Direct Insurance Administrators and Berkely Insurance Agency and in NY, AIS Affinity Insurance Agency. AIG is the marketing name for the worldwide property-casualty, life and retirement, and general insurance operations of American International Group, Inc. For additional information, please visit our website at www.aig.com. All products and services are written or provided by subsidiaries or affiliates of American International Group, Inc. Products or services may not be available in all countries, and coverage is subject to actual policy language. Non-insurance products and services may be provided by independent third parties. Certain property-casualty coverages may be provided by a surplus lines insurer. Surplus lines insurers do not generally participate in state guaranty funds, and insureds are therefore not protected by such funds. All descriptions, summaries or highlights of coverage are for general informational purposes only and do not amend, alter or modify the actual terms or conditions of any insurance policy. Coverage is governed only by the terms and conditions of the relevant policy.