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Brown & Riding offers a competitive and flexible Apartment Building Insurance program designed specifically for surplus lines placements. As a trusted general agency and excess & surplus lines broker, Brown & Riding provides access to A-rated carriers and delivers some of the most competitive coverage solutions available in the E&S marketplace. Ideal Accounts and Appetite Apartment buildings and complexes with up to 1,000 units and multiple locations Student housing and subsidized housing placements Properties with amenities such as pools, playgrounds, and recreational areas Accounts requiring Assault & Battery coverage Locations needing Hired & Non-Owned Auto Liability Older or historic buildings that still meet underwriting standards Ineligible Risks Adult foster care or assisted living facilities Properties with armed security personnel Buildings with less than 75% annual occupancy Pools equipped with diving boards Coverage Highlights and Advantages Access to A-rated surplus lines carriers Highly competitive pricing and terms Quick quote turnaround when ACORD and supplemental apps are completed Special form and replacement cost coverage available Monoline coverage options available for flexibility Excess limits offered for larger or more complex risks Underwriting Notes and Minimum Premiums Minimum premiums start at $500 for General Liability and $1,250 for Package policies. Risks must meet basic eligibility criteria, including occupancy thresholds and acceptable property conditions. Older buildings can be considered with proper maintenance and updates. Territories and Availability This program is available on a non-admitted basis across a wide footprint, including AL, 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, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, and WY. Why Work With Brown & Riding Brown & Riding is a nationally recognized wholesale brokerage known for its deep expertise in niche property and casualty placements. Their Apartment Building Insurance program stands out for its broad eligibility, flexible coverage options, and fast, reliable service. Whether you're placing a student housing complex near a university or a subsidized housing facility with multiple locations, Brown & Riding can help you secure the right solution with confidence. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include multi-location apartment complexes, student housing, subsidized housing, and properties with amenities like pools or playgrounds. Are older apartment buildings eligible for coverage?Yes, older properties are eligible as long as they meet underwriting standards and are properly maintained. Is monoline coverage available?Yes, monoline options are available, providing flexibility for agents who need to write either property or liability on a standalone basis. What is the turnaround time for quotes?Quotes can be turned around quickly when both ACORD and supplemental applications are fully completed and submitted. Can I place risks in all states?The program is available in most states on a non-admitted basis, including over 45 states and Washington, D.C. Need help placing an account? Connect with a market specialist.

AIG Accident & Health's CosmediCareSM Program Brown & Riding provides access to AIG Accident & Health’s CosmediCareSM Program — a targeted insurance solution for complications that can arise from elective cosmetic surgeries and medical spa procedures. The program is designed for agents and brokers who need a supplemental option to protect clients from unexpected post-operative medical costs that standard health insurance may not cover. Ideal Accounts and Coverage Appetite This program is intended for individuals undergoing elective cosmetic or aesthetic medical procedures and for producers who want to reduce their clients’ financial exposure after surgery. Typical clients include: Patients scheduling body contouring or facial rejuvenation procedures Medical spa clients receiving injectables or laser treatments Individuals undergoing breast augmentation or body lift surgeries The CosmediCareSM Program is organized into three tiers based on procedure type and relative risk: Tier 1 – Low to Moderate Risk Procedures: Autologous Fat Injection Arm Contouring/Upper Arm Lift Botox/Cosmetic Injectables Brow Lift Chin Augmentation/Reduction Cosmetic Eyelid Surgery Face Lift/Rejuvenation Facial Implants Facial Resurfacing (Dermabrasion/Chemical Peel) Hair Replacement Surgery Labiaplasty Laser Hair/Vein Removal Otoplasty Rhinoplasty Vaginoplasty Tier 2 – Moderate Risk Procedures: Breast Augmentation/Revision Breast Lift Breast Reduction Male Breast Implants and Gynecomastia Tier 3 – Higher Risk Procedures: Abdominoplasty Body Implants Body Lift Buttock Lift/Gluteal Augmentation Liposuction (including laser-assisted) Lower Body Lift Thigh Lift Thoracoplasty/Upper Body Lift Coverage Advantages The CosmediCareSM Program helps cover medically necessary expenses that result from complications such as infection, bleeding, scarring, or other adverse outcomes tied to elective procedures. This is a supplemental product — not a replacement for primary health coverage — that helps reduce out-of-pocket exposure for clients seeking aesthetic care. Underwriting and Premiums Policies are underwritten by AIG, offering the financial strength and claims experience of a national carrier. Minimum premiums and final pricing vary by procedure tier, client risk profile, and state regulations. Brown & Riding supports submission preparation and placement to help speed underwriting and increase placement success. Territories and Availability The program is available in most U.S. states, including AL, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, MI, MS, MO, MT, NV, NJ, ND, OK, OR, PA, SC, SD, TN, TX, UT, VA, WA, DC, WV, WI, and WY. Coverage is offered on an admitted basis where applicable; availability can vary by state. Why Place This Business With Brown & Riding Brown & Riding is a specialist wholesale partner and E&S broker with deep experience in accident & health products. We provide direct access to AIG’s CosmediCareSM Program plus underwriting guidance and responsive service for faster decisions. Use our team when you need reliable underwriting support for cosmetic and medical spa exposures. Example accounts that fit this program You might have a 35–50 year old client scheduling a facelift and injectable treatments who wants supplemental coverage against surgical complications that could result in additional medical bills or revision surgery. You may place a medical spa client receiving multiple laser procedures and injectables who prefers to limit out-of-pocket risk if an adverse event requires follow-up care. For more information, contact Brown & Riding: Jeffrey Jarboe Principal, Senior Vice President, Broker Telephone: 678.225.1381 Cellphone: 404.422.2483 E-Mail: [email protected] Web: http://www.brownandriding.com/health-cosmedicare/ Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for clients undergoing elective cosmetic or medical spa procedures who want protection against post-operative complications and related out-of-pocket costs. What procedures are covered under the CosmediCareSM Program?The program covers a broad range of cosmetic procedures, including Botox, facelifts, breast augmentations, liposuction, and more. Procedures are grouped into three tiers by risk and complexity. Is this coverage available nationwide?This program is available in a majority of U.S. states, including CA, FL, TX, NY, and many others. Contact Brown & Riding for confirmation of eligibility in a specific state. Who underwrites the CosmediCareSM Program?Coverage is underwritten by AIG, a global insurance carrier with extensive experience in accident and health insurance. How can I submit a risk to this program?Contact Jeffrey Jarboe at Brown & Riding to discuss submission requirements and get assistance with placing your client's coverage. Need help placing an account? Connect with a market specialist.

Overview of the Program from Brown & Riding Brown & Riding’s Child Care Centers Insurance program provides a focused marketplace for agents placing coverage for child care providers, preschool centers, daycare operations, and similar early-education facilities. As a General Agency and Excess & Surplus Lines Broker, Brown & Riding combines underwriting expertise with access to admitted and E&S capacity to place accounts that need specialized liability, property, and abuse/molestation protections. The program is widely available across most states and is designed for brokers who need practical solutions for the unique exposures of child care operations. Ideal Accounts and Appetite Small to mid-size child care centers, preschools, and day-care providers (including licensed family day care homes in many states). Centers offering full-day care, part-day preschool, enrichment programs, or before/after school care. Facilities with up to moderate enrollment size and typical staff-to-child ratios; centers with routine safety programs and formal hiring/supervision practices. Programs requiring combined primary liability, abuse/molestation, and property coverage in one placement. Generally not a fit: large multi-site chains, centers with significant water features or high-risk activities (e.g., adventure courses), or operations with a recent pattern of severe abuse/molestation or repeated large liability claims. Each risk is underwritten on its own merits. Coverage Highlights and Advantages Primary general liability tailored for child care exposures, including limits appropriate for abuse/molestation considerations. Abuse and molestation coverage available; coverage scope and limits are underwritten based on controls and history. Property coverage options for owned buildings, contents, play equipment, and business interruption exposure. Optional endorsements typically available: hired/non-owned auto, professional liability for staff, cyber/privacy for parent records, and volunteers coverage. Access to admitted markets where available, with E&S placement through Mount Vernon Fire for non-admitted situations as needed. Underwriting Notes and Minimum Premiums Underwriters evaluate enrollment, staff screening and training, facility safety features, transportation exposure, background checks, and any history of allegations or claims. Documentation that speeds placement includes current application(s), loss runs for the prior five years, staff screening and training policies, and a description of any special programs (swimming, off-site field trips, transport of children). Minimum premium: $450. Larger or higher-exposure programs will have higher premiums and may require additional underwriting information or risk control improvements. Territories and Availability The program is available in most states. Current territories include AL, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, 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, WI, and WY. Brown & Riding places business admitted where possible and uses E&S capacity (United States Liability; Mount Vernon Fire for non-admitted) when necessary to secure appropriate limits and terms. Why Work with Brown & Riding on Child Care Business Specialized underwriting expertise in child care and early education exposures — faster, more predictable responses for routine and complex submissions. Flexibility to place admitted or non-admitted depending on state availability and client needs. Practical appetite guidance for agents: clear expectations on what fits and what will require enhanced risk controls or referral. Streamlined submission process and responsive follow-up to help you close placements and service accounts efficiently. Example scenarios: You might have a neighborhood preschool with 40 children seeking combined GL, property, and abuse limits — the program can often place that on admitted paper. Or you may have a multi-program center with unique activities requiring higher abuse limits; Brown & Riding can access E&S capacity to secure broader limits and tailored endorsements. Frequently Asked Questions What types of child care accounts are a good fit for this program?Licensed child care centers, preschools, and family day care homes with standard staffing, documented safety/training programs, and limited high-risk activities are the primary targets. Multi-site chains and high-risk operations may need referral. Is abuse and molestation coverage included or available?Yes. Abuse and molestation coverage is available and is underwritten based on history, staffing practices, and controls. Limits are selectable but subject to underwriting approval. Which states and paper types are supported?The program is available in most states (see territories above). Brown & Riding places business on admitted paper where practical and uses E&S capacity (United States Liability and Mount Vernon Fire for non-admitted) when admitted markets are not an option. What is the submission checklist and minimum premium?Typical submissions should include a completed application, current loss runs, staffing and screening policies, and a description of operations. The minimum premium is $450; final pricing depends on exposures and limits. Need help placing an account? Connect with a market specialist.

Employment Practices Liability (EPL) for Companies Under 100 Full-Time Equivalent Employees Brown & Riding offers a targeted Employment Practices Liability (EPL) insurance solution designed specifically for companies with fewer than 100 full-time equivalent employees. With access to over 20 markets and a flexible underwriting approach, we help agents and brokers place EPL coverage for a wide range of private businesses across most states. Ideal Accounts and Appetite This program is ideal for small to mid-sized private companies that may not have dedicated HR or legal departments but still face significant exposure to employment-related risks. We are particularly interested in accounts from industries such as: Professional services Retail and hospitality Light manufacturing Healthcare practices Nonprofits and social services You might have a client who runs a regional retail chain or a growing tech startup—both could be strong fits for this program if they employ fewer than 100 full-time equivalent staff. Coverage Highlights and Advantages We can work with applications already completed by your insured or you can use our short-form EPL application to speed up the process. Our market access allows us to pursue valuable enhancements, including: FLSA (Fair Labor Standards Act) Sub-Limit options Additional Defense Cost coverage Third Party EPL coverage for claims involving customers, vendors, or other non-employees We aim to structure the coverage based on each insured’s specific exposures and risk tolerance. Underwriting Notes and Minimum Premiums This program typically starts at a minimum premium of $900, making it accessible for smaller organizations. Our underwriting team is flexible and responsive, and we can tailor quotes based on current underwriting trends and your client’s unique situation. Send completed applications or questions directly to Lisa Rodriguez at (206) 816-6725 or [email protected]. Territories and Availability We offer this EPL solution on a non-admitted basis in most states, including but not limited to: CA, TX, FL, NY, WA, NJ, and IL. The program is available in over 45 states and the District of Columbia, providing wide geographic access for your clients. Why Work With Brown & Riding As a nationally recognized general agency and E&S broker, Brown & Riding brings deep expertise and strong carrier relationships to help you navigate EPL placements with confidence. Our team understands the nuances of employment liability exposures and can facilitate coverage even for harder-to-place or niche businesses. Frequently Asked Questions What types of accounts are a good fit for this program?This program is best suited for private companies with under 100 full-time equivalent employees, including professional services firms, healthcare providers, nonprofits, and light manufacturing operations. Can I submit my client’s existing EPL application?Yes, we accept existing completed EPL applications or you can use our simplified short-form application to expedite processing. What coverage enhancements are available?Optional enhancements may include FLSA Sub-Limits, Additional Defense Costs, and Third Party EPL coverage, depending on underwriting approval. Is the program available in my state?The program is available in most states, including AL, CA, FL, NY, TX, WA, and many others. Contact us to confirm availability in your client’s state. What is the minimum premium for this EPL program?The minimum premium typically starts at $900, depending on the risk and selected coverages. Need help placing an account? Connect with a market specialist.

Brown & Riding offers a Management Liability Insurance program to help agents and brokers place complex accounts with confidence. Our team combines deep niche expertise and strong market relationships to deliver tailored solutions, competitive pricing, and coverage enhancements. Whether your client is a private company, a non-profit, or a public entity, we help you identify exposures and assemble the right combination of D&O, EPLI, fiduciary, crime, and related coverages. Ideal Accounts and Appetite We write a broad range of accounts across these categories: Private Companies: Standalone or package policies D&O, EPLI, fiduciary liability, crime, kidnap/ransom/extortion, and General Partnership Liability Side A DIC and Individual Directorship Liability options Excess or run-off coverage for D&O, EPLI, and fiduciary lines Workplace violence coverage Non-Profits: Small non-profits (typically under 100 employees) Target classes include chambers of commerce, HOAs, and condo associations School leaders E&O and public officials E&O Fast quote turnaround—often within 24 hours with multiple markets Public Companies: From Fortune 500 to micro-cap firms Support for new public offerings (IPOs) Detailed quote comparisons to help clients make informed decisions Example accounts: a fast-growing private tech firm concerned about board-level liability; a small community non-profit facing employee-related exposure; or a newly public company seeking Side A DIC and follow-form excess capacity. If a client presents an emerging or unusual exposure, we have the appetite and market access to evaluate alternatives. Coverage Highlights and Advantages Access to a wide range of carriers and market options Customizable coverage structures—monoline or packaged solutions Ability to negotiate endorsements and enhancements based on account profile Capacity to address emerging exposures and evolving risk environments Underwriting Notes and Minimum Premiums Minimum premiums vary by coverage form and account size. We apply a tailored underwriting process that considers each account’s financial profile, governance practices, and claims history. Our scale and carrier relationships let us offer competitive options for complicated or sensitive risks. Territories and Availability This program is available in AR, KS, LA, MO, OK, TN, and TX. We work with a variety of carriers, and most offerings are written on a non-admitted basis to provide greater flexibility in coverage and pricing. Why Work With Brown & Riding? As a leading general agency and E&S broker, Brown & Riding provides marketplace insight, underwriting expertise, and responsive service for management liability placements. We keep pace with regulatory and coverage trends so you can protect clients and close transactions with confidence. Frequently Asked Questions What types of accounts are a good fit for this Management Liability Insurance program?This program is ideal for private companies, non-profits under 100 employees, and public companies—including those preparing for IPOs. Can I get monoline policies for just D&O or EPLI?Yes. We offer both monoline and package options and will recommend the structure that best matches the client’s exposures and budget. How quickly can I get a quote?For many non-profit accounts, quotes can be turned around within 24 hours. More complex private or public company placements may require additional underwriting time and carrier review. Are markets admitted or non-admitted?Most available markets are non-admitted, which allows more flexibility in coverage forms and pricing for specialized risks. In which states is this program available?This program is available in Arkansas, Kansas, Louisiana, Missouri, Oklahoma, Tennessee, and Texas. Need help placing an account? Connect with a market specialist.