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Claims Made Defense Costs Duty to Defend Broad Definition of Professional Services 2 Way Optional Extended Reporting Period Full Prior Acts Coverage Available Overview of the Miscellaneous E&O Program from ExecutivePerils, Inc. ExecutivePerils, Inc. offers a flexible Miscellaneous Errors & Omissions (E&O) program designed for agents and brokers placing non-standard professional liability risks. Through multiple ExecutivePerils-appointed carriers, this non-admitted program provides tailored E&O solutions for professionals and firms that fall outside traditional disciplines such as law, accounting, or medicine. Ideal Accounts and Appetite This program is aimed at niche and emerging professional service firms where advisory mistakes, omissions, or negligent acts could lead to financial loss. Typical classes we place include consultants, marketing and creative firms, event planners, forensic experts, staffing organizations, and specialty advisors. ExecutivePerils will consider many hybrid or non-traditional service models that generalist E&O markets decline. Example accounts you might submit: A technology consultant providing regulatory compliance guidance to early-stage startups. A staffing agency that places temporary professionals into finance or healthcare roles and needs protection for placement advice. Coverage Highlights and Advantages Key program features give you market flexibility and meaningful protection for policyholders: Claims-Made form with flexible retroactive date options. Defense Costs included and a Duty to Defend where available from appointed carriers. Broad definition of professional services to capture a wide range of advisory, consulting, and technical activities. 2-Way Optional Extended Reporting Period to cover reporting gaps when a policy ends. Full prior acts coverage available for qualified risks subject to underwriting review. These features let you place accounts with confidence that the policy form will respond to common professional exposure areas beyond standard markets. Underwriting Notes and Submission Requirements Underwriting focuses on a clear understanding of the insured’s services, client types, revenue mix, and risk controls. Typical submission items include a completed application, a description of services and fee structure, and prior claims history. Underwriting may request contracts, sample engagement letters, or risk management procedures for complex or higher-limit submissions. Because this program is non-admitted, terms and minimum premiums vary by carrier and class. ExecutivePerils works with you to structure competitive terms through its appointed markets; discuss specific minimums and available limits during quote requests. Territories and Availability The Miscellaneous E&O program is available in most U.S. states, including 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, and WY. Coverage is issued on a non-admitted basis through various ExecutivePerils-appointed carriers, offering broader flexibility on terms and endorsements than many admitted markets. Why Work With ExecutivePerils, Inc.? ExecutivePerils specializes in professional and management liability lines and focuses on hard-to-place or non-standard E&O risks. Their underwriting expertise, carrier access, and responsive service help agents secure tailored coverage for unique exposures. If you need a market that evaluates the specifics of a client’s services rather than relying on rigid class rules, ExecutivePerils can help you find practical solutions. Frequently Asked Questions What types of accounts are a good fit for this Miscellaneous E&O program?This program fits consultants, niche service providers, and hybrid businesses offering professional advice or technical services that don’t fall under standard legal, medical, or accounting E&O forms. Is this program available nationwide?Yes. The program is available in most U.S. states; policies are placed on a non-admitted basis through ExecutivePerils-appointed carriers. Does the program offer full prior acts coverage?Yes. Full prior acts coverage can be offered for qualified accounts subject to underwriting review and prior-acts eligibility. How broad is the definition of professional services under this policy?The program uses a broad professional services definition to accommodate a wide range of advisory and consulting activities, helping avoid unintentional gaps for non-traditional operations. What documents are typically required for a submission?Submit a completed application, a description of services and client types, revenue information, and any prior claims or incidents. Additional documentation may be requested for higher exposures. Need help placing an account? Connect with a market specialist.

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Flexible Property Coverage! Builders face significant risks from fire, weather-related damage, equipment breakdown, theft, and other construction exposures. The financial resources invested in residential, commercial, hospitality, and institutional projects can easily top millions. Safehold Special Risk's Builder’s Risk Insurance program helps builders and developers manage those exposures. Whether you are placing single-family residential houses or multi-million-dollar office buildings, this program provides property coverage for damage that occurs from ground-breaking through certificate of occupancy. Policies can be structured to fit new construction, renovations, and phased or multi-site projects. We develop risk-management programs tailored to the construction industry’s unique needs. Safehold combines specialized underwriting with a quoting system designed for quick bind and issuance, plus a responsive claims team for efficient handling of losses. Coverage Highlights and Advantages Wind deductible buy-back – available for residential and commercial projects during construction Comprehensive AAIS coverage forms Placement options on a ground-up (100% written), primary, excess, or quota-share basis Programs for rehabilitation and renovation work, including non-structural and minor structural projects Delay in completion coverage for soft costs, rental income, and business interruption Project-specific reporting forms, installation floaters, and equipment coverage options As an industry-leading program administrator, Safehold provides solutions for complex property risks and large construction programs. The platform supports fast quotes and issuance, and Safehold’s claims team focuses on responsive, practical outcomes for contractors, developers, and lenders. Ideal Accounts and Classes New residential construction (1–4 family dwellings) Homebuilders using reporting forms Apartments, condominiums, group homes, and assisted living facilities Commercial construction (office, mercantile, retail) Hospitality projects (hotels and motels) Institutional projects (schools, hospitals, municipal buildings, correctional facilities) If you have clients working on mixed-use developments, senior housing, or multi-tenant commercial builds, this program is equipped to handle both the complexity and value of those risks. Example accounts A mid-size developer building a 120-unit apartment complex with phased construction and a need for delay-in-completion coverage for soft costs. A custom homebuilder constructing high-value single-family residences who wants wind deductible buy-back and owner-controlled insurance options. Included Coverages Fire, theft, and vandalism Wind, earthquake, and flood (where available) Installation floater and coverage for installed equipment Permanent fencing, foundations, and site improvements Debris removal and fire department service charges Trees, shrubs, and plants Pollution cleanup, transit, and temporary storage Capacity and Underwriting Up to $110,000,000 per risk (non-CAT), dependent on construction type and occupancy class Reporting form limits: up to $1,000,000 per dwelling / $10,000,000 per occurrence Minimum deductibles start at $500 (varies by total insured value and occupancy) Minimum premiums: Residential – $300; Commercial and Renovations – $500 Submission Requirements To submit a risk, include: ACORD 125 and 147 forms Installation/Builder’s Risk section and/or supplemental application Construction contracts, budgets, and project timelines Site plans, soft-cost breakdowns, and business income worksheets (as applicable) Available States and Admitted Status Safehold’s Builder’s Risk Insurance program is available in most states, including CA, FL, TX, NY, IL, and GA. The program is admitted in most jurisdictions; please consult Safehold for state-specific availability and filing requirements. Why Work With Safehold Special Risk Safehold Special Risk specializes in construction-focused property programs and large, high-value projects. Agents benefit from: Specialized underwriting that understands construction schedules, subcontractor exposures, and project staging Flexible policy terms (3 to 36 months) and layered coverage structures Fast quoting and bind capabilities to meet tight transaction timelines A service model geared to brokers and agents placing complex accounts Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for residential and commercial builders, developers, and contractors working on new construction, renovations, or rehabilitation projects. It fits both small homebuilders and large-scale institutional or mixed-use developments. Is the program available in all states?The Builder’s Risk Insurance program is available in most states. Admitted status is available in many jurisdictions. Always check with Safehold for specific state availability. What is the minimum premium for this program?Minimum premiums start at $300 for residential construction and $500 for commercial or renovation projects. Final premiums depend on total insured value and project complexity. Does the program cover renovation projects?Yes, the program accommodates rehabilitation and renovation work, including non-structural and minor structural improvements. What documentation is required to submit a risk?Submissions should include ACORD 125, ACORD 147, the Builder’s Risk or Installation section, and supporting documents like contracts, budgets, timelines, site plans, and soft-cost breakdowns. Need help placing an account? Connect with a market specialist.

Product Features for Financial Institution Errors & Omissions Insurance: In-house binding authority with multiple “A” rated carriers Quotes turned around in 24 hours or less Low minimum premiums Targeting more than 75 classes of business, ranging from low to medium hazard exposures Defense outside the limit Broad definition of professional services Duty to defend wording 2-way optional extended reporting period 60-day extension coverage to report claims free of charge Full prior acts coverage available Minimum premium: $1,000 Minimum retention as low as $1,000 for selected classes Overview of the Program From J.M. Wilson J.M. Wilson Corp. offers a specialized Financial Institution Errors & Omissions (E&O) Insurance program designed for retail agents and brokers seeking reliable E&O solutions for their financial services clients. Backed by multiple “A”-rated carriers and with in-house binding authority, we provide flexible, fast, and competitive options for a wide range of financial institutions—particularly those with low to medium hazard exposures. Ideal Accounts and Appetite This program targets over 75 different classes of financial businesses including—but not limited to—investment advisors, mortgage brokers, insurance agents, collection agencies, and check cashing services. We’re an excellent market for accounts seeking broad coverage terms, competitive minimum premiums, and fast turnaround on quotes. You might have a client such as a small investment advisory firm or a regional mortgage brokerage that needs full prior acts coverage and a quick quoting process. These are ideal fits for this program. Coverage Highlights and Advantages Broad definition of professional services to reduce gray areas in coverage Defense costs outside the limits of liability Duty to defend included Optional 2-way extended reporting period 60-day claim reporting grace period at no additional charge Full prior acts coverage available upon underwriting approval Underwriting Notes and Minimum Premiums We offer low minimum premiums starting at $1,000, with minimum retentions as low as $1,000 for select risk classes. Thanks to our in-house authority, we can often turn quotes around in 24 hours or less, giving you the speed and efficiency you need to win business. Territories and Availability This program is available in the following states: AL, AR, FL, GA, IL, IN, IA, KS, KY, MI, MS, MO, NE, NC, OH, OK, PA, SC, TN, VA, WV, and WI. We work with both admitted and non-admitted carriers, depending on the risk and state. Why Work With J.M. Wilson? As a trusted MGA and Excess & Surplus Lines Broker, J.M. Wilson brings deep underwriting experience and access to multiple top-tier markets. Our dedicated team understands the unique risks faced by financial institutions, and we’re committed to helping our retail agents place business efficiently and competitively. When you work with us, you benefit from personalized service, fast quote turnaround, and access to tailored coverage solutions. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for financial service providers with low to medium hazard exposures, such as investment advisors, mortgage brokers, insurance agents, and collection agencies. How quickly can I get a quote?With in-house binding authority, J.M. Wilson can typically provide quotes in 24 hours or less. Is prior acts coverage available?Yes, full prior acts coverage is available depending on underwriting approval. What is the minimum premium?The minimum premium starts at $1,000, with retentions as low as $1,000 for certain classes. In which states is this program available?The program is available in 22 states including AL, FL, GA, IL, IN, MI, OH, PA, TN, and others. Need help placing an account? Connect with a market specialist.

Sample Classes for Insurance Industry Errors & Omissions Insurance Retail Agents* Wholesale Agents MGA's / MGU's *Agencies where 50% or more of their revenues come from Property / Casualty sources Overview of the Program from J.M. Wilson Corp. J.M. Wilson Corp. offers a specialized Errors & Omissions (E&O) Insurance program designed specifically for professionals in the insurance industry. This program is tailored for independent agents and brokers who serve retail and wholesale insurance operations, MGAs, and MGUs. Whether you’re looking to protect a startup retail agency or a growing MGU operation, this E&O solution delivers flexible, competitive coverage backed by our access to both admitted and non-admitted markets. Ideal Accounts and Appetite This program is best suited for: Retail insurance agencies with at least 50% of revenue from property and casualty lines Wholesale insurance brokerages Managing General Agents (MGAs) and Managing General Underwriters (MGUs) If you have clients who are concerned about professional liability exposures related to the placement or handling of insurance policies, this program can provide the protection they need. For example, you might have a retail agency client that specializes in small commercial lines or a wholesaler working with niche markets—both are strong fits for this offering. Coverage Highlights and Advantages Competitive pricing structure $1MM / $3MM limits of liability $1,000 minimum deductible $1,000 minimum premium Defense costs paid outside the limits of liability Automatic coverage for independent contractors Worldwide coverage, provided the claim is brought in the U.S. or Canada Exclusion for bankrupt insurance companies does not apply to those rated B+ or better Prior acts coverage available Consent to settle provision included Extended reporting period options of 1, 2, 3, or 5 years, regardless of who cancels $25,000 in regulatory action expense coverage with no deductible Underwriting Notes and Minimum Premiums Standard underwriting criteria apply, with consideration given to the size, experience, and loss history of the agency or firm. The minimum premium begins at $1,000, with deductibles starting at $1,000. Prior acts coverage and extended reporting options help accommodate your clients’ evolving liability exposures. Territories and Availability J.M. Wilson offers this program in the following states: AL, AR, FL, GA, IL, IN, IA, KS, KY, MI, MS, MO, NE, NC, OH, OK, PA, SC, TN, VA, WV, and WI. We represent a variety of admitted and non-admitted carriers to meet diverse risk profiles and regulatory environments across these territories. Why Work with J.M. Wilson Corp.? As a trusted MGA and Excess & Surplus Lines Broker, J.M. Wilson brings decades of experience helping independent agents and brokers find the right markets for complex or hard-to-place risks. Our Insurance Industry E&O program is backed by knowledgeable underwriters, flexible carrier options, and responsive service. Partner with us to help your clients secure the professional liability protection they need—delivered with the efficiency and expertise you expect. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for retail and wholesale insurance agencies, MGAs, and MGUs—especially those with a strong focus on property and casualty lines. Are independent contractors covered under this policy?Yes, the policy automatically includes coverage for independent contractors working with the insured agency or firm. Is prior acts coverage available?Yes, prior acts coverage is available, subject to underwriting review and eligibility. What is the minimum premium for this program?The minimum premium starts at $1,000, with deductibles also beginning at $1,000. In which states is this program offered?The program is available in AL, AR, FL, GA, IL, IN, IA, KS, KY, MI, MS, MO, NE, NC, OH, OK, PA, SC, TN, VA, WV, and WI. Need help placing an account? Connect with a market specialist.

J.M. Wilson offers a flexible and comprehensive Employment Practices Liability Insurance (EPLI) program designed for a wide range of business classes. No matter the size or industry, nearly every employer faces the risk of employment-related claims. Our EPLI solutions help your clients manage these exposures while giving you access to competitive markets and expert underwriting support. Ideal Accounts and Appetite Our EPLI markets are open to: New ventures and startups Accounts with prior or adverse loss history Organizations with fewer than 500 employees Target classes include: Small businesses, especially under 150 employees Auto dealerships Medical and healthcare professionals, including doctors and physicians Law firms Restaurants, hotels, and other hospitality businesses Manufacturers (miscellaneous classes) Contractors and construction-related businesses Whether your client is a new restaurant owner or a growing construction firm with a handful of staff, we can help you secure tailored EPLI coverage to manage their exposures. Coverage Highlights and Advantages Our EPLI program is built to respond to today’s most pressing employment-related risks. Key features include: Claims-made and reported coverage Written on admitted paper (where applicable) Broad “All-Risk” form covering claims such as: Discrimination (age, sex, race, gender) Sexual and workplace harassment Wrongful termination, retaliation, and constructive discharge Failure to promote or demotion Invasion of privacy and defamation Fair Labor Standards Act (FLSA) wage and hour claims – $100,000 sub-limit Vicarious liability for intentional acts Coverage for all employee types Full prior acts standard Limits available up to $5 million Defense outside the limits available Optional third-party coverage Optional cost-in-addition coverage Punitive damages coverage where permitted by law Access to HR Protection risk management services – including unlimited hotline support from attorneys and HR professionals Underwriting and Market Access Our dedicated brokerage underwriters specialize in EPLI and are available to assist with quoting and placing even harder-to-place risks. We work with a variety of carriers, both admitted and non-admitted, allowing us to find solutions for unique or distressed accounts. Territories and Availability This Employment Practices Liability Insurance program is available in the following states: AL, AR, GA, IL, IN, IA, KS, KY, MI, MS, MO, NE, NC, OH, OK, PA, SC, TN, VA, WV, and WI. Why Work With J.M. Wilson? As a trusted Managing General Agency and Excess & Surplus Lines Broker, J.M. Wilson brings decades of experience and deep market access to help you place EPLI coverage with confidence. We understand the evolving employment liabilities your clients face and provide fast, knowledgeable support from quote to bind. Whether you're placing a clean account or one with prior claims, we have the tools and carrier relationships to help you succeed. Frequently Asked Questions What types of accounts are a good fit for this EPLI program?This program is ideal for small to mid-sized businesses across many industries, especially those with fewer than 500 employees. We also consider new ventures and accounts with prior losses. Can you help with hard-to-place or distressed EPLI risks?Yes. We have access to admitted and non-admitted markets and can consider risks with adverse loss history or unique exposures. What coverages are included in the EPLI policy?The policy includes broad "All-Risk" coverage for discrimination, harassment, retaliation, wrongful termination, wage and hour claims (with sub-limits), and more. Optional enhancements are also available. Is third-party EPLI coverage available?Yes, third-party coverage is available as an optional add-on for many accounts. Which states is this program available in?This EPLI program is available in AL, AR, GA, IL, IN, IA, KS, KY, MI, MS, MO, NE, NC, OH, OK, PA, SC, TN, VA, WV, and WI. Need help placing an account? Connect with a market specialist.

With decades of risk management experience in the motorsports industry, Safehold Special Risk delivers a specialized insurance program tailored to the unique exposures of motorsports operations. As a program administrator and managing general underwriter, Safehold partners with AM Best "A" rated specialty carriers to offer robust coverage for motorsports organizations, facilities, teams, and events. This program is designed to help you protect your clients while keeping costs under control and minimizing operational disruptions. From racetracks to race schools, Safehold's Motorsports Insurance program offers a wide range of customized solutions. Our team includes expert underwriters, risk managers, loss control specialists, and claims professionals who understand the fast-paced and high-risk nature of motorsports—and are ready to support your clients at every turn. Ideal Accounts and Appetite This program is a strong fit for a variety of motorsports-related operations. We work with agents and brokers to place accounts such as: Racetracks and motorsports facilities Race events and motorsports competitions Driving and racing schools Sanctioning bodies and associations Team owners and sponsors Car clubs and enthusiast groups Off-track exposures associated with motorsports Whether you're working with a small local track or a national racing organization, Safehold can help you tailor coverage to meet specific event or operational needs. Coverage Highlights and Advantages Safehold’s Motorsports Insurance program offers comprehensive protection designed specifically for the risks of high-speed, high-stakes activities: Participant Accident Coverage: Access to primary and excess medical coverage for drivers, crew members, and other participants. Includes benefits for accidental injury during sanctioned activities. General Liability Coverage: Coverage for liability exposures related to events, premises, and operations. This includes protection for: Spectator injuries or property damage Liability for owners and sponsors Automobile-related incidents Track and facility exposures Liquor liability when applicable Excess Liability Limits: Optional higher limits are available to meet contractual or operational requirements beyond what standard policies typically offer. Claims Management: Our seasoned claims professionals offer full support from first notice through resolution, including investigation, litigation management, and loss analysis. You and your clients can count on responsive service and expert guidance throughout the process. Underwriting Notes and Minimum Premiums This program is best suited for accounts with a minimum premium of $10,000 or higher. We evaluate each risk based on operations, event size, participant volume, and other relevant factors. Agents can expect collaborative underwriting and fast turnaround times on qualified submissions. Territories and Availability Safehold’s Motorsports Insurance program is available nationwide, including all 50 states and Washington, D.C. We provide both admitted and non-admitted solutions, depending on the specific risk and jurisdiction. Why Work With Safehold Special Risk Safehold brings unmatched motorsports experience to the table. Our underwriting team lives and breathes motorsports, giving you a knowledgeable partner that understands the lingo, the pace, and the risks of the industry. With access to top-rated carriers and a commitment to service, we’re ready to help you place even your most complex motorsports accounts with confidence. You might have a client who runs a regional racetrack hosting weekend events or a race school offering high-performance driving experiences. Safehold can help you build a tailored insurance program to meet their needs—without sacrificing speed or service. Frequently Asked Questions What types of accounts are a good fit for this program?We target motorsports-related risks such as racetracks, race events, driving schools, car clubs, and sanctioning bodies. Accounts should typically meet the $10,000 minimum premium threshold. Is participant accident coverage included?Yes, we offer both primary and excess medical coverage for drivers, crews, and other event participants. This is a key part of our motorsports offering. Can I get higher liability limits through this program?Yes, we offer excess liability limits beyond standard policy thresholds to meet contractual or operational needs. What states is this program available in?This program is available in all 50 states and Washington, D.C., with both admitted and non-admitted options depending on the risk profile and jurisdiction. Who handles claims under this program?Our in-house claims professionals manage the entire claims process, from initial report through settlement, ensuring expert support and responsive service. Need help placing an account? Connect with a market specialist.

At Charity First Insurance Services Inc, we put your charity first. As a nationwide program manager and general agency focused on nonprofit risk, we make it easier for agents to place schools, educational and training organizations with admitted carriers that understand the unique exposures of nonprofit education programs. Our products are backed by well-known, A.M. Best "A" rated insurance companies and supported by experienced underwriting and claims teams dedicated to nonprofit needs. Overview of the Program From Charity First The Schools, Educational & Training Organizations Insurance program is designed for nonprofit and charitable institutions that deliver education, instruction, or training services. You can use this program to place day schools, after-school programs, tutoring centers, vocational training nonprofits, continuing education providers, and other similar tax-exempt educational groups. Coverage is available through admitted carriers in most states and is issued via Charity First Insurance Services Inc as the managing general agency. Ideal Accounts and Appetite Small to mid-size nonprofit schools, preschool programs and K–12 support organizations. Adult education, vocational and trade-training nonprofits, community colleges with limited campus exposures. After-school programs, tutoring services, and continuing education providers run by nonprofit boards. Programs with predictable operations, low-volatility claims histories, and standard premises and instructional activities. Typically not a fit: large boarding schools, colleges/universities with residential campuses, organizations with significant residential care components, or entities with high-severity professional liability histories. If you have an account with high abuse/molestation exposure, complex campus housing, or significant athletic event risk, please discuss before submission. Coverage Highlights and Advantages General liability tailored for educational operations, including student activities and field trips. Professional liability options for instructors and administrators (where available by carrier). Property and contents coverage for classrooms, administrative offices and owned equipment. Abuse and molestation coverage options available through select carriers. Flexible policy forms and limits to match nonprofit budgets and program sizes. Underwriting Notes and Minimum Premiums Charity First underwriters focus on the day-to-day operations: student age ranges, staff-to-student ratios, background checks and training, volunteer screening, safety policies, and premises security. Claims history, curriculum type, and off-site activity frequency materially affect terms. Minimum premium varies by carrier and state—please see the program’s submission requirements or contact Charity First for current minimums and filing details. Territories and Availability This program is available in most states (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). Coverage is offered primarily on admitted paper through our carrier partners, but appetite and form availability vary by state. Why Work With Charity First Insurance Services Inc Deep nonprofit specialization — underwriting and risk management tailored to charitable and education-focused operations. Access to multiple A-rated carriers and flexible admitted paper in most states. Complimentary risk management resources and an extensive online safety library to help insureds reduce exposure. Responsive program team experienced in placing complex nonprofit education risks. Example Accounts You Can Place A nonprofit after-school program serving 100 children with staff background checks, standardized safety policies, and limited off-site activities — ideal for admitted liability and property placement. A community vocational training nonprofit offering daytime trade classes with owned equipment and modest inventory — fits the program’s property and professional liability appetite. Frequently Asked Questions What types of educational organizations are a good fit for this program?Nonprofit-run day schools, preschools, after-school programs, tutoring centers, vocational training nonprofits, and continuing education providers are primary targets. Large residential campuses and universities usually need a specialized market. Which states and paper types are available?Coverage is available in most states (see the territories list). Charity First places business primarily on admitted paper with A-rated carriers, subject to carrier filings and state availability. What underwriting details do carriers look for?Underwriters focus on student age groups, staff-to-student ratios, volunteer and staff screening, written safety and abuse prevention policies, premises maintenance, and the frequency of off-site activities. Need help placing an account? Connect with a market specialist.