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...quake and Difference in Conditions (DIC) coverage through Wholesale Connection Insurance Services (WCIS). As a dedicated wholesale broker, WCIS provides ag...ory, but WCIS can place earthquake and DIC coverage in select other states. De...

DIC-Earthquake — Continental Risk /Contine...es of accounts are a good fit for this DIC-Earthquake program?Commercial prope...

...ders risk Motor truck cargo DIC — Florida wind Inland marine ...complex accounts. Are Florida wind and DIC placements available?Yes — IPMG has DIC options for Florida wind exposures ...

...artnership Liability Side A DIC and Individual Directorship Liability ... a newly public company seeking Side A DIC and follow-form excess capacity. If...

Understanding the appropriate insurance limits and proper coverage for a home or business is vital, yet many buyers continue to underestimate the risks they may face. Program Brokerage Corporation (PBC) has access to an in-house Excess Flood insurance program underwritten by a panel of A-rated carriers. This national program will help ensure adequate funds are available to repair your clients’ homes and/or businesses. Coverages Offered: Contents Coverage: Available for Residential and Non-Residential Properties Loss of Income Coverage: Net Business Income or Loss of Rent Additional Living Expenses Replacement Cost Available Drop Down Business Income Coverage Available Limits Available: Up to $15 million combined limits for building and contents. Target Business: Personal Lines: residential properties including: Apartments Condominiums/Cooperatives Dwellings Townhouses Commercial Lines: commercial properties in a wide array of industries, including: Construction Education Hospitality Hotel/Motel/Short-Term Rental Industrial Manufacturing Office and Administrative Real Estate (Residential & Commercial) Retail Warehousing And more For more information, please contact: Tom Henderson Office: 212-338-2946 [email protected] Alexia Mosca Farley Office: 401-468-3448 [email protected] Gary Shapiro Office: 516-496-1346 [email protected]

In recent years, catastrophic weather events — including severe floods and earthquakes — have become more frequent and widespread. For many property owners, especially those relying solely on NFIP coverage, available limits may not be enough to fully recover after a major loss. Russell Bond & Co., Inc. provides an Excess Flood and Earthquake Insurance Program to help you place the excess protection your clients need. Excess Flood and Earthquake Insurance from Russell Bond Russell Bond, a specialized Managing General Agency, offers an Excess Flood and Earthquake program designed to help agents place higher limits and enhanced coverage for commercial and residential property clients. This program sits above NFIP limits to bridge the common protection gap and provide broader recovery options for catastrophic events. Ideal Accounts and Target Risks This program is a strong fit for agents with clients who: Own high-value commercial or residential properties in flood- or earthquake-prone areas Have exhausted NFIP building and contents limits Require business income (loss of income) protection tied to flood or earthquake events Typical eligible properties include: Office buildings Retail centers and shopping plazas Multi-family housing and apartments Hotels and hospitality properties High-value single-family homes We do not accept flood risks in the Virgin Islands, Louisiana (south of Interstate 10), New York (Fire Island), or Missouri (Chesterfield Flats). Earthquake coverage is excluded in California, Washington, Oregon, Alaska, Hawaii, Puerto Rico, USVI, Guam, and New Madrid Zones 2 through 5. Coverage Highlights Russell Bond’s Excess Flood and Earthquake program provides: Aggregate limits up to $10,000,000 over insured interests Coverage for both building and contents in excess of NFIP limits Loss of income coverage when building and/or contents is written Earthquake coverage available only when written in conjunction with Excess Flood coverage Earthquake deductibles starting at $25,000 per occurrence Please Note: Primary flood coverage must be placed through the NFIP in order to qualify for our Excess Flood program. Underwriting and Program Notes This is a non-admitted excess program underwritten on an account-by-account basis. Our underwriters review exposures individually to ensure the risk aligns with program appetite and the non-admitted placement. Pricing is risk-specific and varies by location, construction, elevation, occupancy and flood/quake exposure. Earthquake coverage is offered only when paired with our Excess Flood product. Territorial Availability The program is available in most U.S. states, including AL, AZ, CO, CT, DE, FL, GA, IL, IA, LA, ME, MD, MA, MN, MS, MO, NV, NH, NJ, NM, NY, NC, OH, PA, RI, SC, TN, TX, VT, VA, DC, and WI. Geographic exclusions and additional state-specific restrictions apply as noted above. Why Work With Russell Bond & Co., Inc.? With decades of specialty property experience and access to A.M. Best–rated appetite and capacity, Russell Bond provides agents with responsive underwriting, tailored terms, and solutions for hard-to-place flood and earthquake risks. We move quickly on urgent placements and collaborate with brokers to structure excess limits and business income options that align with client exposures. Example Account Scenarios You have a coastal condo association whose NFIP limits are insufficient for full restoration costs — this program can provide layered building and contents limits plus business income coverage. A mid-size hotel in a floodplain needs higher flood limits and contingent business income coverage during repair periods — Russell Bond can review and quote excess limits above the NFIP placement. If your client owns a high-value coastal property or a commercial building with seismic exposure and has exhausted NFIP limits, Russell Bond’s Excess Flood and Earthquake Insurance Program may be an effective solution. Reach out to request a quote or to discuss a specific account. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include high-value commercial or residential properties in flood- or earthquake-prone areas that exceed NFIP limits or that need business income protection tied to those perils. Is primary flood coverage required to access this program?Yes. Primary flood coverage must be placed through the NFIP for a property to be eligible for Russell Bond’s Excess Flood Program. Can Earthquake coverage be written on its own?No. Earthquake coverage is only available when written in conjunction with our Excess Flood Program. What is the maximum coverage limit available?The program offers up to $10,000,000 in aggregate limits for both Flood and Earthquake coverage, subject to underwriting and approval. What states are excluded from this program?Flood coverage is not available in the Virgin Islands, southern Louisiana (south of I-10), Fire Island (NY), and Chesterfield Flats (MO). Earthquake coverage is excluded in CA, WA, OR, AK, HI, PR, USVI, Guam, and New Madrid Zones 2–5. Need help placing an account? Connect with a market specialist.

USG Insurance Services, Inc. is a national wholesaler and managing general agent (MGA) with 18 offices across the country and the ability to write in all 50 states. Built from the ground up by some of the top executives in insurance, USG continues to expand operations nationwide while providing innovative solutions for the risk management industry. The USG team consists of experts divided not by territory, account size, or coverage who can help meet all commercial insurance account needs. We are problem solvers for all commercial lines coverages and specialize in hard-to-place risks, providing our agents with focused expertise and solutions. In 2016, USG is celebrating 15 years in business and continues to outpace industry growth metrics with a state-of-the-art Service Center, Marketing Department, and IT Department. We have also branched out into several specialty divisions, including AAU: Allied American Underwriters, Brokers Financial Services, BFS Inspections, Into Innovations, and Aureate. Our forward-thinking technology continues to evolve through our proprietary system, I3x, that expedites quote process and policy service; and through the launch of a new online and phone quoting system, INS LINK, that will streamline small transactional accounts and bring in additional opportunities nationally. USG's corporate office is located in Tampa, Florida; and our flagship office is located in Canonsburg, Pennsylvania. Garage : Dealers and Non-Dealers Garage Liability Garage Keepers Legal Liability Dealers/Non-Dealers Parking Garages/Lots Towing Repair/Service Stations Valet Services Dealers Open Lot

Allied American Underwriters (AAU) is a specialty product provider and commercial lines program manager. Currently, there are five divisions: Workers Compensation, Programs, Environmental, Personal Lines, and Bonds. AAU can consider standard workers' comp, hazardous workers' comp, staffing workers' comp, USL&H workers' comp, and large account workers' comp. Programs consist of Commercial Storage Tanks, Dealers Storage Tanks, Dance Schools, Educational Institutions, Non-Profit and Human Services, Religious Institutions, Security and Alarm, Special Events, and Youth & Adult Team Sports. AAU takes great pride in playing an integral part in the growth of your agency to develop a book of business together. AAU is a division of USG Insurance Services, Inc., a national wholesaler and managing general agent (MGA) with 18 offices across the country and the ability to write in all 50 states. AAU's flagship office is located in Canonsburg, Pennsylvania. AAU's Educational Institutions Program provides broad coverage options for schools, after-school programs, summer programs, and more. Targeted Classes Include: Public Schools (K-12) Private Schools (K-12) Before/After School Programs Summer Programs Colleges Universities Seminaries Features: No Minimum Premiums or Maximum Property Limits Limits up to $1M/$5M Sexual Misconduct Legal Fees Outside of the Limit

USG Insurance Services, Inc. is a national wholesaler and managing general agent (MGA) with 18 offices across the country and the ability to write in all 50 states. Built from the ground up by some of the top executives in insurance, USG continues to expand operations nationwide while providing innovative solutions for the risk management industry. The USG team consists of experts divided not by territory, account size, or coverage who can help meet all commercial insurance account needs. We are problem solvers for all commercial lines coverages and specialize in hard-to-place risks, providing our agents with focused expertise and solutions. In 2016, USG is celebrating 15 years in business and continues to outpace industry growth metrics with a state-of-the-art Service Center, Marketing Department, and IT Department. We have also branched out into several specialty divisions, including AAU: Allied American Underwriters, Brokers Financial Services, BFS Inspections, Into Innovations, and Aureate. Our forward-thinking technology continues to evolve through our proprietary system, I3x, that expedites quote process and policy service; and through the launch of a new online and phone quoting system, INS LINK, that will streamline small transactional accounts and bring in additional opportunities nationally. USG's corporate office is located in Tampa, Florida; and our flagship office is located in Canonsburg, Pennsylvania. Builders Risk Jewelers Block Contractors Equipment Motor Truck Cargo Dealers Open Lot Garage Keepers Legal Liability Warehousemen's Legal Pawnbrokers Fine Art Floaters Equipment Schedules Riggers Liability Animal Mortality

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