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By partnering with the ISA Private Client Group, you can confidently place High Net Worth Homeowners accounts with a trusted team that delivers exceptional service and comprehensive protection. As a Managing General Agency working with top-tier carriers like CHUBB, AIG, NatGen Premier, and Vault, Irwin Siegel Agency offers tailored solutions for affluent clientele across all 50 states and D.C. Ideal Accounts and Appetite Our Private Client Group is built to serve individuals and families with significant assets and lifestyle exposures. Ideal accounts include: High-value primary, secondary, and vacation homes Clients with fine art, jewelry, collectibles, or luxury vehicles Multi-home households or properties in multiple states Affluent individuals needing high personal liability protection You might have a client upgrading to a custom-built estate near the coast, or one who collects high-end vehicles and needs agreed value coverage—these are great fits for our program. Coverage Highlights and Advantages Through ISA Private Client Group, your clients gain access to superior protection and flexible settlement options. Our program features: Guaranteed Replacement Cost for dwellings and other structures Replacement Cost for Contents with no depreciation deductions Cash settlement option available up to policy limits Special coverages for landscaping, pets, and rented properties Agreed value and new vehicle replacement for autos Worldwide liability coverage and high UM/UIM limits Personal liability limits ranging from $1 million to $100 million Coverage for valuables with no deductible under most loss types Underwriting Notes and Minimum Premiums We provide complete quotes within 48 hours and process most endorsements within 24 hours. There are no minimum production requirements, and minimum premiums vary depending on risk and location. Our underwriters are available during business hours—no voicemail—and will assist you throughout the process. Territories and Availability This program is available in all 50 states and Washington, D.C. We work with both admitted and non-admitted markets, offering the flexibility to meet a wide range of client needs across diverse geographies and risk profiles. Why Work With ISA Private Client Group Irwin Siegel Agency is committed to delivering a concierge-style experience for both agents and insureds. You’ll benefit from: Enhanced commission opportunities Dedicated underwriter support—no call centers Fast, accurate quoting and endorsements Access to elite carriers known for superior claims handling One account is all it takes to experience The Siegel Difference. To learn more or get started, visit https://pcg.siegelagency.com/ or call 800.622.8272. Frequently Asked Questions What types of accounts are a good fit for this program?High net worth individuals with luxury homes, valuable personal property, or complex liability exposures are ideal for this program. Is there a minimum production requirement to access this program?No, there are no minimum production requirements. One account is all it takes to access the program. How quickly can I expect quotes and endorsements?Quotes are typically provided within 48 hours, and most endorsements are processed within 24 hours. Which carriers are available through this program?We offer access to CHUBB, AIG, NatGen Premier, and Vault, depending on the risk and location. Can this program cover homes in multiple states?Yes, the program is available in all 50 states and D.C., and can accommodate clients with properties in multiple locations. Need help placing an account? Connect with a market specialist.

Significant expertise and underwriting infrastructure are required to properly insure adult day care facilities and senior centers. These organizations often face complex risks that go beyond standard liability exposures. NIF Group, Inc. offers a comprehensive insurance program tailored specifically for adult day care operations, senior centers, and related nonprofit or social service organizations. This program is designed to support agents and brokers seeking reliable and flexible coverage solutions for clients who serve aging or vulnerable populations. Ideal Accounts and Appetite This program is best suited for: Adult day care centers Senior community centers Facilities offering non-residential care or supervision for elderly and disabled clients Nonprofits providing daytime programs for seniors, including transportation and meal services Whether your client is a small community-based organization or a larger regional nonprofit, this program can accommodate a wide variety of operational models. Facilities with staff, volunteers, independent contractors, or on-site medical professionals can be considered. Coverage Highlights and Advantages NIF Group’s package policies are crafted to provide broad protection for your insured’s operations, facilities, and personnel. Key coverages include: General Liability – Protection for premises and operational exposures Professional Liability – Including health care liability for medical services provided Property Insurance – Coverage for buildings, contents, and equipment Auto Insurance – For owned, hired, or non-owned vehicles used in service operations Crime Insurance – Protection against theft or fraud Boiler and Machinery – Equipment coverage for mechanical systems Umbrella Insurance – Additional liability limits for broader protection Optional coverages allow you to tailor the policy to your client’s specific needs: Employee Benefit Liability Equipment Breakdown Sexual/Physical Misconduct Coverage Nonprofit Directors & Officers Liability with EPLI Underwriting Notes and Minimum Premiums Minimum premiums vary depending on the scope of services, number of participants, staffing model, and location. NIF Group’s experienced underwriters understand the nuances of nonprofit and social service risks and will work closely with you to evaluate each account on its merits. You might have a client who operates a licensed adult day program with transportation and part-time nursing staff. This program offers the coverage flexibility to include medical professionals and volunteers, making it a strong fit for operations with layered responsibilities and services. Territories and Availability This insurance program is available in most states across the U.S., with the exception of Hawaii and Louisiana. Coverage may be offered on an admitted or non-admitted basis depending on the state and risk characteristics. The broad geographic reach makes it easier for agents to place multi-location or regional operations under a consistent coverage framework. Why Work With NIF Group, Inc.? NIF Group is a trusted program administrator with deep expertise in nonprofit and social service sectors. Their infrastructure supports agents with responsive service, flexible underwriting, and access to specialized market solutions. With a focus on challenging or misunderstood risks, NIF Group helps you deliver long-term protection and peace of mind to your clients in the adult care and senior services space. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include adult day care centers, senior community centers, and nonprofit organizations offering daytime care or programming for seniors. Can this program cover medical professionals working on-site?Yes, the policy can be structured to include liability coverage for medical staff, independent contractors, and volunteers. Which states is the program available in?The program is available nationwide except in Hawaii and Louisiana. Is the coverage admitted or non-admitted?Coverage is available on either an admitted or non-admitted basis, depending on the state and specific risk. What is the minimum premium for coverage?Minimum premiums vary based on factors such as size, services offered, and location. Contact NIF Group for underwriting guidelines. Need help placing an account? Connect with a market specialist.

No one wants to imagine an active assailant incident at their organization, but preparing for that risk is important. Irwin Siegel Agency offers an Active Assailant Insurance Product that combines liability, property, business interruption and response cost coverage with practical risk-management support. If a tragic incident occurs, this program is designed to help your clients stabilize operations and help address financial and human impacts. Overview of the Program from Irwin Siegel Agency As a program administrator working with Aegis, Irwin Siegel Agency places specialized active assailant coverage for a broad range of public-facing and mission-driven organizations. The program pairs tailored insurance forms with risk-management tools and online training designed to improve preparedness and support recovery. You can use this program to place accounts that need focused coverage for violent incidents and the downstream operational impacts. Coverage highlights Legal Liability – Defense and indemnity for damages an insured is legally obligated to pay following an incident. Physical Damage – Coverage for loss, damage, or destruction to insured property caused by an incident. Business Interruption – Indemnity for earned income and continuing operating expenses after a covered physical loss. Extra Expense – Payments for reasonable extra costs to continue operations or resume more quickly. Response Fees – Expenses incurred to avoid, minimize, or mitigate damage to property or persons. Product enhancements and additional features Offsite extension for incidents that occur while insureds are working away from scheduled locations. Event cancellation extra expense coverage. Accidental death benefit for insured persons. Insureds can include clients/residents, volunteers, and guests. Grief counseling benefits for insureds and immediate family members. Vehicle coverage that includes all-terrain vehicles and snowmobiles where applicable. Relocation and emergency travel expense coverage. Eligible classes Social and human service providers Academic institutions Healthcare providers Hospitality businesses, hotels Stadiums, venues, festivals, nightclubs Retailers, banks, transport hubs Risk management & training Irwin Siegel Agency pairs this program with risk-mitigation resources and online training to help insureds reduce exposure and improve response. Available courses include: Active Shooter Training – life-saving preparedness training developed with law enforcement subject matter experts. Violence in the Workplace – prevention and response education for employees. Intro to Site Security – foundational guidance on security controls and workplace protection. Ideal accounts and appetite This program fits organizations that maintain public access or gather large groups and that need comprehensive coverage for violent incidents and related operational losses. Typical good fits include: Behavioral health and social service agencies with walk-in clients K-12 and higher education campuses Hospitals, outpatient clinics, and long-term care facilities Hotels, event venues, stadiums, and festival organizers Retail centers and transportation hubs Accounts with formal emergency plans, onsite security, or active risk-management programs are particularly well-positioned for placement. Underwriting notes and minimum premium Underwriting typically considers occupancy, capacity, security measures, prior loss history, and emergency response planning. Documentation such as security assessments, incident response plans, and training records will help during submission. Minimum premium: Varies. Territories and admitted status Admitted status: All Available States. This program is available in the following states and territories: 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. Please confirm state availability and admitted/non-admitted placement options at submission time. Why place this business through Irwin Siegel Agency? Program administrator experienced in placing specialized coverages with Aegis. Integrated risk-management resources and online training to support insureds before and after an incident. Flexible enhancements that address both human and property impacts of active assailant events. Dedicated underwriting with a focus on public-facing organizations and mission-driven accounts. Example scenarios You might have a nonprofit community center that hosts public events and wants both liability and business interruption protection for violent incidents. Or a regional university seeks a program that pairs counseling benefits and event cancellation coverage with property and response fees—this program can be structured to address those needs. For more information about our Active Assailant Program, give us a call today at 800.622.8272 or visit the program page of our website, https://www.siegelagency.com/insurance-programs/active-assailant/. Frequently Asked Questions What types of accounts are a good fit for this program?Public-facing organizations with exposure to mass gatherings or walk-in clients—such as schools, healthcare facilities, venues, social service providers, and hotels—are the primary targets. Accounts with documented security or emergency plans are especially attractive. What coverages are included and can limits be adjusted?The program includes legal liability, physical damage, business interruption, extra expense, and response fee coverage, plus optional enhancements such as offsite extension, event cancellation expense, and grief counseling. Limits and sublimits can be tailored through underwriting depending on account size and risk profile. What submission materials will underwriters want?Underwriters typically request occupancy details, loss history, a summary of security and emergency response plans, staffing levels, and information about recent training or drills. Providing these items up front speeds placement. Are risk-management tools and training included?Yes. Irwin Siegel Agency pairs this offering with online training and other risk-management resources to help insureds prepare and reduce exposure. These tools are a key part of the program's value proposition. How do I confirm availability and minimum premium?State availability is listed on the program; admitted status is noted as "All Available States." Minimum premium varies by account—contact Irwin Siegel Agency for current minimums and to discuss a specific submission. Need help placing an account? Connect with a market specialist.

Irwin Siegel Agency offers a specialized package insurance program for Human and Social Service Provider Organizations. Built from decades of experience placing nonprofit and community-based accounts, this program combines flexible underwriting, industry-specific coverages, and value-added risk management to protect operations that serve vulnerable populations. Use this program when you need broad, targeted protection with carrier stability from Berkshire Hathaway Specialty Insurance. This program is available in all U.S. states on an admitted basis and supports a wide range of service models — from residential group homes to community outreach and workforce training. Irwin Siegel Agency underwrites based on the services provided, site-level controls, and demonstrated risk management, and offers tailored solutions for both small local providers and larger multi-site nonprofits. Ideal Accounts and Eligible Classes The program is designed for nonprofit and mission-driven organizations, including: Adult day care centers Domestic violence and emergency shelters Group homes and transitional housing Homeless shelters with support services Job counseling, training, and placement centers Senior centers and activity programs Multi-service outreach organizations Vocational rehabilitation agencies Residential services for individuals with AIDS Self-help and work experience programs Typical fits are organizations that provide temporary shelter, supervised residential services, social casework, or workforce training. Accounts with controlled medication administration, robust volunteer programs, or licensed residential operations are welcome with appropriate controls in place. Coverage Highlights Package coverage includes: Abuse and molestation General liability Professional liability Property coverage Crime Inland marine Business auto Umbrella liability Available enhancements & supplements: Commercial pollution liability Volunteer accident coverage HIPAA Protector Youth accident coverage Directors & Officers / Employment Practices Liability Cyber & privacy liability Enhanced property form Special events coverage Underwriting, Appetite and Example Scenarios Irwin Siegel Agency focuses on organizations with defined programs, formal policies, background screening for staff/volunteers, and documented safety procedures. Minimum premium varies by account size and complexity; Irwin Siegel will quote based on services provided, annual revenues, payroll, and loss history. Example 1 — A regional senior activity center seeking package limits that include general, professional and abuse liability, plus volunteer accident coverage for site volunteers. Example 2 — A small group-home network with medication administration and 24/7 staffing that needs property, business auto, and umbrella limits coordinated across multiple locations. Accounts with active residential care, substance abuse treatment, or programs that involve unsupervised minors will be reviewed for specific controls; specialized exposures may require supplemental underwriting or endorsements. Program Availability This program is placed on an admitted basis in all 50 states and the District of Columbia. Irwin Siegel’s national underwriting capacity makes the program a practical option for clients operating in urban, suburban, and rural locations across the U.S. Why Place This Business With Irwin Siegel Agency? As a Managing General Agency with a long record in human and social services, Irwin Siegel provides: Access to Berkshire Hathaway Specialty Insurance capacity Underwriting tailored to nonprofit and social service operations Value-added risk management and loss control services at no extra cost National admitted placements and flexible endorsements for specialty exposures A partnership approach that helps agents place challenging or mission-driven accounts For more information or to submit an account, call 800.622.8272 or visit the program page: http://www.siegelagency.com/insurance-programs/social-service/. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for nonprofit and community-based organizations, including group homes, shelters, senior centers, job training programs, and outreach services. Is this program available in all states?Yes. The program is available on an admitted basis in all 50 states and the District of Columbia. Which carrier underwrites this program?The program is underwritten by Berkshire Hathaway Specialty Insurance. Are risk management services included?Yes. Value-added risk management and loss control services are included at no additional cost to help clients reduce claims and improve safety. What is the minimum premium for this program?Minimum premium varies by the type and size of the organization. Contact Irwin Siegel Agency for specific underwriting guidelines. Need help placing an account? Connect with a market specialist.

AFC Insurance Inc. offers a specialized Eating Disorders Insurance program within its Health & Human Services suite. The program is designed for organizations that provide care and rehabilitation for individuals with eating disorders and helps agents and brokers place coverage for facilities delivering structured support such as counseling, behavioral health treatment, nutritional advising, residential care, and life coaching. Ideal Accounts and Appetite This program targets organizations focused on treating and supporting individuals with eating disorders, including: Residential treatment centers Outpatient counseling and therapy providers In-patient housing programs Nutrition and behavioral health clinics Life coaching and wellness centers focused on eating disorder recovery Covered diagnoses include Anorexia Nervosa, Bulimia Nervosa, Binge Eating Disorder, Compulsive Overeating, and other clinically recognized eating disorders. Coverage Highlights and Advantages AFC’s program delivers a flexible suite of coverages to protect organizations from the liability and operational risks common in human services and behavioral health care. Available options include: Package policies General Liability and Professional Liability Endorsements to add Volunteers and Independent Contractors as Insureds Optional Key Employee Replacement endorsement Optional Extended Coverage with Blanket Additional Insureds Umbrella and Excess Liability Property and Auto (subject to underwriting restrictions) Abuse & Molestation coverage These coverages address exposures faced by providers working with vulnerable populations in both residential and outpatient settings. Underwriting Notes and Minimum Premiums Minimum premiums depend on the size, services, and location of the operation. AFC works with a panel of carriers to create tailored programs and applies underwriting criteria suited to behavioral health and human services risks. Note that auto coverage may carry specific restrictions and is evaluated on a case-by-case basis. Territories and Availability This program is available in most states, including but not limited to CA, FL, NY, TX, IL, and PA. AFC Insurance Inc. can write this program in all of the following states: AL, AZ, AR, CA, CO, CT, DE, FL, GA, 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 AFC Insurance Inc.? As a program administrator with deep experience in the health and human services sector, AFC understands the specialized risks associated with treating eating disorders. AFC offers tailored coverage options supported by experienced underwriters and access to multiple carrier partners. Whether your client is a start-up residential facility or an established outpatient clinic, AFC can provide flexible solutions and responsive service for this niche area of care. Frequently Asked Questions What types of accounts are a good fit for this program?Residential treatment centers, outpatient therapy and counseling programs, nutrition clinics, in-patient housing programs, and wellness organizations that focus on eating disorder recovery are strong fits. Is this program available on an admitted basis?Yes. Coverage is available on an admitted basis in most states, depending on the specific risk profile and jurisdiction. Are volunteers and independent contractors covered?Yes. The program includes endorsements that allow volunteers and independent contractors to be added as insureds when appropriate. What is the minimum premium for this program?Minimum premiums vary by operation size, services offered, and location. Contact AFC for underwriting guidelines and pricing details. Which states is this program available in?The program is available in most states nationwide, including CA, TX, FL, NY and many others; a full list of eligible states is provided above. Need help placing an account? Connect with a market specialist.