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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.

MISCELLANEOUS PROFESSIONAL LIABILITY INSURANCE For NC and VA Agents Insurance Markets, Inc. (AIM) offers a flexible, competitively priced Miscellaneous Professional Liability (MPL) program for independent agents and brokers placing risks in North Carolina, Virginia, and Washington, D.C. This program is designed to help you place hard-to-cover or non-standard professional liability exposures across a broad range of classes. AIM leverages experienced underwriting and access to select carrier partners to provide tailored solutions and responsive service for miscellaneous professional risks. Ideal Accounts and Appetite AIM underwrites more than 100 professional classes, giving you the flexibility to place both common and niche service providers. The program is intended for businesses that provide professional services but do not fit traditional E&O categories (for example, physicians or attorneys). Sample Eligible Classes Include: Advertising agencies Auctioneers (non-real estate) Background check and screening services Caterers and event planners Claims adjusters Computer programmers and IT consultants Dog obedience schools and pet groomers Notaries and tax preparers Photographers, tutors, and travel agents Speech therapists and bookkeepers Typical fit: small to mid-size professional service firms, independent consultants, freelancers, and specialty providers whose exposures involve alleged errors, omissions, negligent advice or misrepresentation. Accounts with routine professional services, modest revenue, and limited professional staff generally work best. Classes with high regulatory or malpractice exposure (licensed medical or legal practices) are typically outside this appetite. Example scenarios you might place: a freelance graphic designer seeking protection for alleged copyright or design errors, or a small background-screening firm that needs coverage for data-handling or reporting mistakes. Coverage Highlights and Advantages The MPL program provides broad, customizable protection suited to diverse professional exposures. Key features include: Claims-made and reported policy form Available as a stand-alone Miscellaneous Professional Liability policy or packaged with General Liability and Property Bilateral extended reporting period options Package policy options for streamlined administration Duty to defend wording and personal injury coverage Optional enhancements (class-dependent), such as: First dollar defense Claims expenses outside the limit Punitive damages where insurable Copyright infringement coverage for select classes These features help insureds manage risks arising from alleged negligent acts, errors, omissions, or breaches of professional duty in the delivery of their services. Underwriting Notes and Minimum Premiums All submissions are individually underwritten and evaluated by class, revenue, employee counts, prior claims history, and exposure profile. AIM places accounts with varying carriers depending on class and risk characteristics. The program can accommodate both start-ups and established firms; terms, limits, and minimum premiums will depend on the specific class and underwriting factors. Provide complete submissions to help speed quote turnaround. Territories and Availability This MPL program is available in: North Carolina (NC) Virginia (VA) Washington, D.C. (DC) Policies are written on a non-admitted basis through select carriers. Availability and carrier placement vary by class and risk profile. Why Work With Agents Insurance Markets, Inc.? AIM is a Managing General Agency focused on placing specialty professional liability risks that can be difficult to place in admitted markets. You get access to underwriting expertise, a broad appetite for miscellaneous classes, and carrier relationships that are often not available directly to retail agents. AIM emphasizes responsive service—fast quotes, clear underwriting guidance, and practical policy options—so you can close business and retain clients. Whether you’re submitting a first-time policyholder or an established business seeking better terms, AIM can help you secure tailored MPL coverage. Need help placing an account? Connect with a market specialist. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for professionals who provide services but are not covered under traditional E&O policies—such as event planners, computer consultants, notaries, and pet groomers. Can this policy be packaged with other coverages?Yes. You can combine Miscellaneous Professional Liability with General Liability and Property under one policy for convenience and broader protection where appropriate. Is this program available in admitted markets?No. This MPL program is written on a non-admitted basis through a variety of carriers depending on class and coverage needs. Do you offer coverage for start-ups or newly formed businesses?Yes. AIM can consider new ventures and start-ups, subject to underwriting. Minimum premium and terms will vary by class and risk factors. How quickly can I get a quote?AIM prides itself on responsive service. Once you submit a completed application and supporting information, most quotes can be provided within a few business days. 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.

Georgia Non-Resident Trappers Bond Allstar Financial Group offers a specialized surety solution for agents seeking to help clients obtain a Georgia Non-Resident Trappers Bond. This bond is required for individuals or businesses located outside Georgia who wish to trap furbearing animals within the state. The bond ensures compliance with Georgia’s trapping regulations and protects the state and public from potential violations. Ideal Accounts and Appetite This program is ideal for: Non-resident individuals who trap as a hobby or for supplemental income Professional trappers operating seasonally in Georgia Out-of-state wildlife control businesses expanding services into Georgia Whether your client is a solo trapper or a small business with employees, Allstar can help you meet the bonding requirements efficiently. Coverage Highlights and Advantages Meets the Georgia Department of Natural Resources bonding requirement for non-resident trappers Protects the state against financial loss due to non-compliance by the bonded party Streamlined application and processing through experienced surety underwriters Access to a variety of markets to help you get competitive terms for your client Underwriting Notes and Minimum Premiums Minimum premiums vary based on applicant history, size of the bond, and underwriting risk. Allstar’s underwriters work closely with agents to offer fair pricing and fast turnaround. Credit history and business background may be considered in the underwriting process. Territories and Availability This program is available exclusively for trapping activities conducted in Georgia by non-residents. Allstar has access to admitted markets in some states, though availability may vary based on the applicant’s home state and risk profile. Why Work With Allstar Financial Group As a trusted Managing General Agency (MGA), Allstar Financial Group brings years of experience in surety and specialty bonding. With access to multiple carriers and a dedicated team of knowledgeable underwriters, agents benefit from a responsive, service-driven approach to placing their clients’ unique bond needs. You might have a client who lives in Alabama and traps seasonally in Georgia. They need to meet Georgia’s bond requirement quickly to begin the season. Allstar can help you get that bond placed efficiently with competitive terms. For more information or to discuss a submission, contact an Allstar underwriter today. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for individuals or small businesses located outside Georgia who trap furbearing animals within the state, whether professionally or recreationally. Is this bond required for every out-of-state trapper?Yes, the Georgia Department of Natural Resources requires non-resident trappers to post a bond to ensure compliance with state laws. What underwriting information is typically needed?Applicants may need to provide basic personal or business information, financial history, and past compliance records. Credit checks may apply. How quickly can this bond be issued?Turnaround times are generally fast. Once all required information is submitted, bonds can often be issued in a matter of days. Can I get this bond for a client in another state?Yes, as long as the client is a non-resident of Georgia and plans to trap within Georgia, this bond can be placed regardless of their home state. Need help placing an account? Connect with a market specialist.

Quick Contract Bid, Payment and Performance Bond J.M. Wilson Corp. offers a Quick Contract Bid, Payment and Performance Bond program designed for small and newer contractors who need fast, reliable surety capacity. These quick-turn bonds are underwritten primarily on the applicant's credit and require minimal paperwork so you can obtain bid, payment and performance bonds quickly—typically when a prompt response is essential to secure a job. Coverages: Quick Contract Bonds (single-job performance and payment) Quick Bid Bonds to satisfy bid requirements Quick Payment & Performance Bond packages Alternative "Easy" or simplified bond options for smaller accounts Advantages: Fast quote and placement turnaround — new account submissions typically receive a response within 24–48 hours Competitive pricing within industry standards for small contractors Minimal underwriting paperwork when credit meets program requirements Ability to review and accept applications originally placed with other surety companies Access to J.M. Wilson surety markets that are "A" rated Quick Contract Bonds are intended for contractors who need bonding lines up to $350,000 per job with a $700,000 aggregate bonding line. These bonds are well suited to smaller projects and businesses that have fairly clean credit histories and need a fast solution for bid submission or to meet contract bonding requirements. Overview of the Program from J.M. Wilson Corp. This program is offered by J.M. Wilson Corp., a Managing General Agency and Excess & Surplus Lines broker with access to both admitted and non-admitted surety markets. The product is tailored to agents who need a quick surety option for clients that do not yet qualify for larger, more traditional bonding facilities. Ideal Accounts and Appetite - Small general contractors, subcontractors, and specialty trades with limited bonding histories - Newer firms that can demonstrate responsible credit and financial stability - Projects where single-job bonding needs do not exceed the program limits (up to $350,000 per job; $700,000 aggregate) Accounts that typically do not fit: contractors with significant adverse credit, ongoing claims or litigation, or complex multi-year contracts requiring large aggregate capacity. Coverage Highlights and When to Use This Program Use J.M. Wilson’s Quick Contract program when you need: A fast bid bond to meet a tight bidding deadline Payment and performance bonds for smaller public or private contracts A simplified underwriting path based primarily on credit rather than extensive financial histories Underwriting Notes and Minimum Premium Underwriting focuses on applicant credit; applicants should have fairly clean credit reports. Required items for submission generally include a completed application and a signed indemnity agreement. J.M. Wilson can also review applications previously submitted to other surety companies. Minimum premium and final terms vary by carrier and state—minimum premium: Varies. Territories and Availability Available in: AL, AK, GA, IL, IN, IA, KS, KY, ME, MI, MN, MS, MO, MT, NE, NH, NY, NC, ND, OH, OK, PA, SC, SD, TN, VT, VA, WV, WI, WY. Availability is subject to carrier approval and admitted vs. non-admitted market rules in each state. The program includes some admitted markets and non-admitted options depending on the state and risk profile. Why Work with J.M. Wilson Corp. on This Business As an MGA and E&S broker, J.M. Wilson provides agents with access to multiple A-rated surety markets and a streamlined underwriting process tailored for smaller accounts. The firm emphasizes quick turnaround, competitive pricing within industry standards, and flexible underwriting that can evaluate submissions previously placed with other sureties. This makes the program a practical solution when an insured needs bonding quickly to bid or secure smaller contracts. Example Scenarios - You have a client who is a small paving contractor bidding a municipal job valued at $200,000 and needs a bid bond within 48 hours. - A new roofing subcontractor wins a $60,000 private contract and requires a performance and payment bond but lacks an extensive bonding history. What is needed to get started: a completed application and a signed indemnity agreement. For more information on submission requirements or to discuss a specific account, contact J.M. Wilson Corp. — we look forward to working with you. Frequently Asked Questions What types of accounts are a good fit for the Quick Contract Bond program?Small or newer contractors with fairly clean credit who need bid, payment or performance bonds for single jobs up to $350,000 (with a $700,000 aggregate line). Ideal for trades and subcontractors with limited bonding histories. How fast can I expect a quote or decision on a submission?J.M. Wilson typically responds to new account submissions within 24–48 hours, assuming required documentation (application and signed indemnity) is provided promptly. What documentation is required to submit an account?At minimum, a completed bond application and a signed indemnity agreement. Additional information may be requested depending on the applicant’s credit and the size of the bond request. Are these bonds admitted or non-admitted?J.M. Wilson represents a mix of admitted and non-admitted carriers. Availability depends on the state and the specific surety market; some markets are admitted while others are non-admitted. Need help placing an account? Connect with a market specialist.

Construction Managers Insurance Construction managers face a complex set of professional risks as they oversee building projects, manage subcontractors, and ensure compliance with codes and regulations. J.M. Wilson Corp. offers a specialized Construction Managers Insurance program designed to address these exposures with comprehensive coverage options and flexible underwriting. Overview of the Program From J.M. Wilson As a Managing General Agency and Excess & Surplus Lines Broker, J.M. Wilson provides access to both admitted and non-admitted markets for construction management professionals. This program is tailored specifically for firms engaged in construction management and design/build services, offering broad protection and responsive underwriting. Coverage limits are available up to $5 million per claim and in aggregate, with a minimum premium starting at $6,000 and a $5,000 minimum deductible. Ideal Accounts and Appetite This program is ideal for: Construction managers acting as owner’s representatives Firms offering design/build services Project managers coordinating subcontractors and timelines Entities involved in securing permits and managing compliance You might have a client managing a large commercial build who needs protection for both their professional services and environmental exposures—this program is built for them. Joint ventures are also included in the definition of "insured," making this a great fit for collaborative or multi-party projects. Coverage Highlights and Advantages J.M. Wilson’s Construction Managers Insurance includes a wide array of coverages under a single program: Coverage A – Professional Liability: Protects against claims arising from errors and omissions in professional services. Coverage B – Environmental Legal Liability Coverage C – Contractors Pollution Liability Coverage D – Technology Services Liability and Products Coverage E – Computer Network Security Coverage F – Multimedia and Advertising Liability Coverage G – Privacy: Includes up to $250,000 sublimit upon completion of the Privacy Supplement. Pre-Claims Assistance and Mediation Support: Supplementary payments are available without reducing the policy limits or triggering the deductible. Worldwide Coverage: Pure worldwide coverage is included. No Mold, Copyright, or Trademark Exclusions Waiver of Subrogation: Available when there’s a written agreement in place. Punitive Damages: Covered where insurable by law. Bilateral Extended Reporting Period (ERP) Options: Up to 36 months available. Mediation Deductible Credit: 50% deductible credit up to a $25,000 maximum. Underwriting Notes and Minimum Premiums The program is designed for mid to large-size construction management firms with complex risk profiles. The minimum premium is $6,000, with a minimum deductible of $5,000. Underwriters look for firms with strong risk management practices and clearly defined scopes of work. Accounts involving heavy residential or tract home construction may be subject to additional review. Territories and Availability This program is available in the following states: AL, AR, GA, IL, IN, IA, KS, KY, MI, MN, MS, MO, NE, NC, OH, OK, PA, SC, TN, VA, WV, and WI. J.M. Wilson represents multiple carriers, offering both admitted and non-admitted options depending on the jurisdiction and risk profile. Why Work With J.M. Wilson With decades of experience and a strong reputation in the construction and environmental sectors, J.M. Wilson brings deep underwriting knowledge and carrier relationships to help agents place challenging accounts. When you partner with J.M. Wilson, you gain a responsive team that understands the nuances of construction management exposures and provides the tools to write and retain this business. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for construction managers, design/build firms, and project management companies involved in commercial, institutional, or infrastructure projects. Is this insurance available in admitted markets?Yes, J.M. Wilson offers access to both admitted and non-admitted carriers depending on the state and risk characteristics. What are the minimum premium and deductible requirements?The minimum premium starts at $6,000 with a minimum deductible of $5,000. Are joint ventures eligible for coverage?Yes, joint ventures are included within the definition of an insured under this program. What kind of support does J.M. Wilson offer during the underwriting process?J.M. Wilson provides responsive service, underwriting expertise, and access to multiple markets to help agents successfully place and manage accounts. Need help placing an account? Connect with a market specialist.

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