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Franchise Food operations are among the fastest-growing segments of the restaurant industry. RMS Hospitality Group understands the specialized insurance needs of franchised restaurants and has built a dedicated Franchise Food program to help agents place single-unit and multi-unit franchise risks with confidence. Franchise Food Program Overview The Franchise Food program provides tailored insurance solutions for a broad range of franchised dining establishments. Whether your client runs a single location or a multi-unit system, RMS delivers competitive products and practical risk management support that reflect the compliance-driven, high-turnover nature of the foodservice industry. RMS brings decades of hospitality experience to this program. Our background includes being appointed as a nationwide approved vendor for McDonald's in 1994, a role that helped establish RMS as one of the largest brokers in the segment during that decade. Ideal Accounts and Appetite We write a wide variety of franchised food operations, including: • Quick service restaurants with limited or no seating, counter service, and simple cooking methods (e.g., Subway, Panera Bread, Quiznos, Red Mango) • Fast food chains such as Taco Bell, KFC, and Wendy’s • Franchise restaurants with less than 50% liquor sales, including full-service or waitress-style operations (e.g., Applebee’s, Famous Dave’s, TGI Friday’s) • Family-style and casual dining locations with or without server service (e.g., IHOP, Denny’s, Chipotle) This program is a strong fit for agents with clients expanding franchise footprints or transitioning from independent operations to national systems. Generally not a fit are accounts with majority liquor sales, nightclubs, large entertainment venues, or operations with unusually high cooking or exposure profiles without prior underwriting review. Coverage Highlights and Advantages The Franchise Food Select Program includes a full suite of coverages designed for restaurant exposures: • Workers Compensation • Property • General Liability • Products & Completed Operations • Liquor Liability (eligible restaurants with less than 50% liquor sales) • Excess Liability Policies focus on the day-to-day risks restaurants face—from slip-and-fall and foodborne illness claims to liquor liability and property damage—with program wording and limits suited to franchised operations. Underwriting Notes and Minimum Premiums Underwriting considers location, unit count, revenue, cooking operations, loss history, and franchise standards. Minimum premiums vary by state, size, and risk profile; RMS underwriters are available to help structure coverage that meets operational requirements and budget constraints. Territories and Availability This program is available in all 50 states and Washington, DC. RMS can provide consistent placement and program continuity whether your client is opening a single site or expanding a regional footprint. Why Work With RMS Hospitality Group? As a Managing General Agency focused on hospitality, RMS combines deep industry knowledge, long-standing carrier relationships, and practical risk management resources. Agents benefit from specialized underwriting, responsive support, and market access that generalist brokers may not offer. Example scenarios you can place through this program: • A franchisee opening three quick-service units in a regional rollout who needs property, liability, workers' comp, and excess limits under coordinated policies. • A single-unit franchise converting from independent ownership to a national brand seeking tailored general liability and product liability coverage and advice on liquor liability exposures. If you need help placing a franchise restaurant account, RMS Hospitality Group provides market access and underwriting expertise to move the submission efficiently. Connect with a market specialist. Frequently Asked Questions What types of accounts are a good fit for this program?We specialize in franchised food operations such as quick service restaurants, fast food chains, and family-style or casual dining locations with less than 50% liquor sales. Can this program handle multi-location franchise operations?Yes. The program supports single-unit and multi-unit franchise operations and offers scalable coverage solutions as clients grow. Is liquor liability included in the coverage?Yes. Liquor liability is available for eligible restaurants that maintain less than 50% of revenue from liquor sales. What states is the program available in?The Franchise Food program is available in all 50 states and Washington, DC. What carriers are used in this program?RMS works with various carriers to align a client’s risk profile with competitive and comprehensive options; carrier selection is made based on the specific submission. Need help placing an account? Connect with a market specialist.

Liquor Liability Insurance Insurance Markets Agency, Inc. offers a specialized Liquor Liability Insurance program tailored to meet the needs of businesses that manufacture, sell, serve, or distribute alcohol. Designed for agents and brokers looking to place liquor liability coverage for a variety of small to mid-sized risks, this program provides flexible underwriting, competitive pricing, and access to non-admitted markets. Coverage is currently available in Pennsylvania (PA) and New Jersey (NJ). Bars and Taverns: We provide coverage for small to mid-sized bars and taverns with alcohol sales of $500,000 or less. Ideal risks will have no liquor-related losses or violations in the past five years, moderate drink specials or happy hours, and a non-youthful clientele. This program is suitable for neighborhood pubs and casual lounges with stable operational histories. Restaurants: Our restaurant appetite includes dine-in establishments with alcohol sales of $1 million or less. Accounts should have no violations or claims in the past five years, and offer moderate drink promotions. Examples include mid-scale bistros, grills, or family-style restaurants that offer full-service dining with a bar component. Retail Stores: This product covers retail establishments that sell or distribute alcohol for off-premises consumption. We target risks with alcohol revenues of $2.5 million or less and clean loss histories for the past five years. Multi-location risks are eligible with a breakdown of receipts per location. Automatically included is an aggregate per location endorsement. Eligible classes include liquor stores, convenience stores, and wholesale and retail distributors. Non-Profit Private, Fraternal, and Social Clubs: Our “Club Select” product is crafted for nonprofit clubs with annual alcohol sales of $500,000 or less. Preferred risks have no claims or violations in the last five years, do not offer drink specials or happy hours, and limit entertainment to banquet events. Club members are automatically included as insureds under the policy. Other Eligible Risks: We also consider a variety of other classes, including on-premises banquet halls, country clubs, BYOB restaurants, off-premises caterers, bartending services, concessionaires, vineyards, and breweries. If your client’s business involves alcohol and does not fit traditional categories, we may still have a solution. Underwriting Considerations: As a Managing General Agency, Insurance Markets Agency, Inc. works with a variety of carriers to find the right fit for your client. The program is written on a non-admitted basis, allowing for greater flexibility. Minimum premiums vary based on class and risk characteristics. Availability: This Liquor Liability Insurance program is currently offered in Pennsylvania (PA) and New Jersey (NJ). We are actively seeking appointed agents and brokers with clients in these states. Why Work with Insurance Markets Agency, Inc.? With decades of specialty insurance experience, we offer agents responsive service and underwriting expertise in the liquor liability space. Whether you’re placing a local bar with clean operations or a private club with banquet liquor exposure, our team can help you secure the right coverage quickly and efficiently. For more information on our Liquor Liability Insurance or any other product we offer at Insurance Markets Agency, Inc., please contact us at 570-586-1471. Frequently Asked Questions What types of accounts are a good fit for this Liquor Liability program?We target small to mid-sized bars, taverns, restaurants, retail liquor stores, and nonprofit clubs with clean loss histories and moderate alcohol sales. Are multi-location risks eligible for coverage?Yes, we can consider retail stores and other operations with multiple locations, provided you submit a breakout of alcohol receipts for each location. Is this program written on an admitted or non-admitted basis?This program is written on a non-admitted basis to provide more underwriting flexibility for unique risks. What states is this program available in?Coverage is currently available in Pennsylvania (PA) and New Jersey (NJ). Can nonprofit social clubs be covered under this program?Yes, our Club Select product is specifically designed for nonprofit private, fraternal, and social clubs with modest alcohol sales and no recent violations. Need help placing an account? Connect with a market specialist.

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Policy Highlights: Colonial General Insurance Agency, Inc. offers a specialized Beverage Manufacturing Insurance program designed for agents and brokers seeking tailored coverage solutions for beverage manufacturers and processors. Whether your client is producing non-alcoholic beverages, craft sodas, or alcoholic drinks such as beer or spirits, this program provides flexible and comprehensive protection for a wide range of exposures in the beverage industry. Ideal Accounts and Appetite This program is ideal for small to mid-sized beverage manufacturers and processors operating in the western U.S. We consider accounts involved in: Non-alcoholic beverage bottling (juices, soft drinks, flavored water, etc.) Craft breweries or distilleries (subject to eligibility) Private label beverage production Specialty or organic beverage processing We work with agents to evaluate specific classes and can help place both standard and more complex risks through our access to admitted and non-admitted markets. Coverage Highlights and Advantages Coverages are available on a monoline or package basis and can be customized to fit the insured’s operational needs. Key features include: Commercial General Liability Primary limits up to $3,000,000 Occurrence / Aggregate Hired and Non-Owned Auto Liability Liquor Liability (for applicable beverage producers) $5,000 Medical Payments – included Vendors as Additional Insureds Limited Product Withdrawal Expense – $5,000 limit included Excess or Umbrella Limits up to $25,000,000 Crime Coverage Inside the Premises – Theft of Money and Securities Robbery or Safe Burglary of Property Inside the Premises Outside the Premises Coverage Property Coverage Building and Business Personal Property Business Income and Extra Expense Computer Equipment and Valuable Papers Accounts Receivable Equipment Breakdown Food Spoilage – $5,000 limit included (higher limits available) Replacement Cost or Actual Cash Value Outside Signs Basic, Broad, or Special Form options Underwriting Notes and Minimum Premiums Colonial General’s underwriting team evaluates each submission on a case-by-case basis. While no specific minimum premium is listed, competitive pricing is available depending on risk characteristics, coverage needs, and market availability. Liquor liability, product withdrawal expense, and spoilage coverage offer built-in value for beverage production accounts. Territories and Availability This Beverage Manufacturing Insurance program is available in the following states: Arizona (AZ) California (CA) Colorado (CO) Idaho (ID) Nevada (NV) New Mexico (NM) Utah (UT) Wyoming (WY) We offer access to both admitted and non-admitted markets depending on the risk and jurisdiction. Why Work With Colonial General Insurance Agency, Inc.? As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings deep expertise in niche middle-market commercial lines. We are committed to helping independent agents find the right fit for their beverage manufacturing clients—even those with unique or challenging exposures. With access to a variety of carriers and flexible underwriting, we work closely with agents to deliver timely quotes and comprehensive solutions. Whether your client is launching a new beverage line or expanding production, Colonial General is ready to help you place and service these accounts with confidence. Frequently Asked Questions What types of accounts are a good fit for this program?This program is designed for beverage manufacturers and processors, including soda bottlers, juice companies, and select alcoholic beverage producers such as craft breweries and distilleries. Is Liquor Liability included in the coverage?Yes, Liquor Liability coverage is available for eligible accounts that manufacture or distribute alcoholic beverages. Can I submit a monoline General Liability or Property policy?Yes, both monoline and package policies are available depending on the insured’s needs and underwriting criteria. What states is this program available in?Coverage is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Are additional insured endorsements available for vendors?Yes, vendors can be added as additional insureds under the General Liability coverage. Need help placing an account? Connect with a market specialist.

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At Worldwide Facilities, our dedicated NutraRisk team specializes in the unique exposures of the life sciences and nutraceutical markets. We offer targeted insurance solutions for manufacturers, distributors, researchers and service providers—helping retail brokers place appropriate coverage for clients ranging from early-stage startups to established enterprises. With deep industry knowledge and broad market access, NutraRisk streamlines placement for complex product and clinical risks. Ideal Accounts and Appetite The Nutraceuticals & Life Science Insurance program is intended for businesses involved in product development, manufacturing, research, testing and distribution across the life sciences spectrum. Typical classes we write include: Dietary supplements and vitamin manufacturers Energy drinks, bars and functional beverages Herbal and botanical products Cosmetics and personal care goods Pharmaceutical and biotechnology firms Clinical trial sponsors and contractors Medical centers, research institutions and universities Pet health and animal supplement products Raw material suppliers and ingredient manufacturers Bedroom and wellness product manufacturers Our appetite covers both emerging ventures and mature businesses. You might place a client launching an herbal supplement line, a contract manufacturer supporting multiple brands, or a biotech startup preparing for first-in-human studies. Coverage Highlights and Advantages Worldwide Facilities offers flexible, industry-focused terms to address the product and clinical liability exposures common in life sciences. Key coverage components include: Commercial General Liability — available on claims-made or occurrence forms Products Liability, including Products/Completed Operations Discontinued Products coverage Clinical Trials Liability for sponsors and clinical service providers Product Recall Expense (through semi-exclusive markets) Mergers & Acquisitions liability options Extended Reporting Periods and programs designed for new ventures Additional program features: Primary limits from $1M to $10M Excess capacity up to $100M Blanket broad form vendors coverage where appropriate Miscellaneous E&O and aggregated deductible options Hired & Non-Owned Auto and worldwide coverage territory available Underwriting Notes We place business with a range of admitted and non-admitted carriers depending on the risk profile and jurisdiction. Worldwide Facilities’ underwriters are experienced with complex exposures and can assist with hard-to-place accounts, prior loss experience, and novel product formulations. Minimums and program eligibility vary by class—underwriters will evaluate formulation, manufacturing controls, labeling, quality assurance, distribution channels and claims history when considering terms. Territories and Availability The program is available nationwide — all 50 states and Washington, D.C. — with the carrier flexibility to write in states that have more nuanced regulatory requirements. Why Work With Worldwide Facilities? As a Managing General Agency and Excess & Surplus Lines broker, Worldwide Facilities couples underwriting expertise with market access. Our NutraRisk division focuses exclusively on life sciences and nutraceutical risks, giving retail brokers a dedicated partner for placement, policy servicing and claim navigation. We support new ventures as well as established firms and can help position accounts to secure broader capacity, specialized endorsements, or recall solutions when needed. Learn more and submit applications at nutrarisk.com. Get in touch! Contact us here: nutrarisk.com/contact Frequently Asked Questions What types of accounts are a good fit for this program?This program targets dietary supplement manufacturers, biotech firms, clinical trial sponsors, pet product companies, contract manufacturers, and other life science businesses with product or clinical liability exposure. Can you help with startup or new venture risks?Yes. We offer tailored programs for new ventures entering the life sciences or nutraceutical markets, including guidance on product controls and placement options for first-time manufacturers. Is this program available in all states?Yes. The program is available nationwide, including all 50 states and Washington, D.C., though specific terms may vary by jurisdiction and carrier. What coverage limits are available?Primary limits generally range from $1 million to $10 million, with excess capacity available up to $100 million, depending on the account and carrier appetite. Do you offer product recall coverage?Yes. Product recall expense coverage is available through semi-exclusive markets as part of the program—availability depends on the product class and underwriting review. Need help placing an account? Connect with a market specialist.

Dietary Supplement / Nutraceutical Liability Insurance from Citadel Insurance Services Citadel Insurance Services offers specialized liability coverage designed for manufacturers, importers, distributors, and formulators in the dietary supplement, nutraceutical, and cosmetic industries. Our NutriPRO program provides broad, flexible protection tailored to the unique risks in this evolving market segment. Target Markets and Ideal Accounts This program is an excellent fit for: Manufacturers, importers, and distributors of dietary supplements, herbal products, and nutraceuticals Cosmetics manufacturers and distributors Contract manufacturers and private label formulators If you have clients launching a new line of protein powders, distributing herbal remedies, or producing custom skincare products, this program may be a strong placement option. Program Benefits and Coverage Highlights NutriPRO offers robust coverage through a top-rated carrier (A+ XV) with competitive terms and flexible options, including: General Liability and Products/Completed Operations ISO Occurrence-based GL with Claims-Made Products Liability (not Claims-Made and Reported) Zero deductible options for both Premises/Operations and Products Liability Superior policy language including clear definitions of “Bodily Injury” and “Damages” No Mold or Silicosis exclusion on product-related claims Minimum premiums starting at $2,200 Key endorsements included: Additional Insured – Vendors, Waiver of Subrogation, Primary and Non-Contributory wording Additional benefits such as Identity Theft coverage, Medical Payments, Damage to Rented Premises, Punitive Damages (where allowed), and TRIA (Terrorism Risk Insurance Act) coverage Rapid quoting and flexible financing options Optional Enhancements Customize your client’s protection with optional coverages such as: Hired and Non-Owned Auto Liability Voluntary Product Withdrawal Employee Benefits Liability Stop Gap Liability Property in Your Care, Custody & Control Non-Auditable Policy Underwriting and Minimum Premiums Minimum premiums begin at $2,200, with aggressive rating factors that help keep your client’s costs competitive. Our underwriting team understands the nuances of the supplement and cosmetic industry, enabling faster decisions and tailored solutions. Program Availability This program is available on a non-admitted basis in all 50 states including DC. Whether your client operates regionally or nationally, we can help you place the right coverage. Why Work With Citadel Insurance Services? As a Managing General Agency and E&S Broker, Citadel Insurance Services brings deep industry knowledge and underwriting expertise to niche markets. Our NutriPRO program is backed by a top-tier carrier and built for speed, flexibility, and comprehensive protection. We make it easy for you to quote and bind coverage, so you can focus on growing your book with confidence. Contact us today for more information on our NutriPRO - Dietary Supplement / Nutraceutical Liability Insurance program! Frequently Asked Questions What types of accounts are a good fit for this program?This program works well for manufacturers, importers, and distributors of dietary supplements, herbal products, cosmetics, and nutraceuticals, including contract manufacturers and private labelers. Is this coverage available in all states?Yes, the program is available on a non-admitted basis in all 50 states and Washington, DC. What is the minimum premium for this program?Minimum premiums start at $2,200, with flexible financing options available. Does the policy include coverage for product withdrawals?Yes, voluntary product withdrawal coverage is available as an optional add-on. How quickly can I get a quote?Citadel offers rapid quoting to help you secure coverage for your clients quickly and efficiently. Need help placing an account? Connect with a market specialist.

Target Classes: Pharmaceuticals & Biotech Products Medical Devices / Products Biologics (Animal & Human) Nutraceuticals Human Clinical Trials Overview of the Life Sciences Program from BSR Insurance BSR Insurance provides a focused Life Sciences Insurance program for agents placing product, professional and clinical-trial exposures for companies operating in the pharmaceutical, biotech, medical device and nutraceutical sectors. As an Excess & Surplus (E&S) lines broker, BSR leverages relationships with multiple non-admitted carriers to structure flexible terms for hard-to-place, highly regulated and emerging risks. Ideal Accounts and Appetite This program fits a broad range of life sciences businesses, including early-stage R&D firms through mid-sized manufacturers and distributors. Typical eligible accounts include: Pharmaceutical and biotech R&D and manufacturing Medical device development, manufacturing and distribution Human and animal biologics Nutraceutical manufacturers and distributors Human clinical trials based in the U.S. (domestic only) Restricted or ineligible risks include products containing Ephedra and any foreign clinical trial activity. If you have a client launching a novel medical device or preparing for first-in-human studies, BSR can help place those higher-exposure accounts through creative E&S solutions. Coverage Highlights and Advantages Products Liability, General Liability and Professional Liability (typically Claims-Made) Occurrence-form coverage available for limited classes Limits up to $5 million (available on a primary or excess basis) Flexible deductible and Self-Insured Retention (SIR) structures Unsupported excess capacity available Vendor’s coverage can be included Prior Acts (retroactive) coverage offered where appropriate These features help protect insureds against third-party claims arising from product defects, design or manufacturing errors, and professional errors during clinical development. Underwriting Notes and Minimum Premiums Underwriting focuses on product risk profile, clinical trial phase and controls, manufacturing practices, and distribution channels. Minimum premium for placements typically starts at $4,500, with many accounts averaging near $20,000 depending on exposures, limits and attachment points. Common deductible levels are $2,500–$5,000, while minimum SIRs generally start at $25,000. Territories and Availability BSR writes this Life Sciences program on a non-admitted basis across 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. Why Work With BSR Insurance? BSR combines life sciences industry knowledge with broad access to E&S markets, making it a practical partner for agents placing complex or non-standard accounts. Their underwriting team is experienced in evaluating emerging technologies and tailoring terms—whether a client needs primary limits, excess capacity, prior acts protection, or customized SIR structures. Example scenarios that fit well: You represent a biotech start-up advancing to Phase I human trials that needs professional liability and product liability with prior acts coverage for prior research. You have a mid-market medical device manufacturer seeking primary limits and an unsupported excess layer to cover new distribution channels. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include pharmaceutical and biotech companies, medical device manufacturers, nutraceutical firms, and organizations conducting U.S.-based human clinical trials. Is coverage available for foreign clinical trials?No. This program excludes foreign clinical trials; only clinical trial exposures within the United States are eligible. What liability limits are available?Limits up to $5 million are available on a primary or excess basis. Unsupported excess options may also be offered depending on the placement. What are common deductible and SIR options?Deductibles commonly range from $2,500 to $5,000. Minimum SIRs typically start at $25,000, subject to risk characteristics. Is this program admitted or non-admitted?This program is placed on a non-admitted basis through various E&S carriers across most U.S. states. Need help placing an account? Connect with a market specialist.

MANUFACTURER'S & DISTRIBUTOR'S INSURANCE Coverage's to include: General Liability (including Product Liability) Excess Liability Property Professional Liability (E&O) Directors & Officers (D&O) Employment Practices Liability Pollution Liability Risk Appetite (including but not limited to): Machinery & Equipment Chemicals Electronics Clothing Pharmaceuticals Neutroceuticals Medical Devices Food & Drink Products Child/Infant-related Products Cosmetics Automotive Parts Wood Products Ingestibles Animal Products Metal Products Tough Products E-Cig/Vaporizers Program Highlights: Minimum Premiums starting at $500 Access to over 40 markets All carriers AM Best A-rated or better In-house binding authority for select risks Domestic and London-based market options Overview of the Program From Ck Specialty Insurance As a family-owned and operated MGA and Surplus Lines Broker, Ck Specialty Insurance Associates, Inc. brings deep underwriting expertise and broad market access to support your manufacturing and distribution clients. Through our Manufacturer's & Distributor's Insurance Program, we help retail agents place complex and specialty risks in a wide range of product sectors. We specialize in helping you navigate hard-to-place or emerging risks with tailored solutions from A-rated carriers. Our wholesale relationships span more than 40 markets, including both domestic and London-based options, allowing us to provide flexible terms and competitive pricing for your clients. Ideal Accounts and Appetite This program is well-suited for a diverse range of manufacturing and distribution clients, including but not limited to: Pharmaceutical and Nutraceutical manufacturers Medical device producers and distributors Machinery, electronics, and automotive parts suppliers Cosmetics, food & beverage, and ingestible product companies Infant and child product manufacturers Firms involved in e-cigarette or vaporizer production If you’re working with a distributor of imported consumer electronics or a manufacturer of private-label cosmetics, this program is designed to handle their unique liability exposures. Coverage Highlights and Advantages Through this program, you can provide your clients with comprehensive protection that addresses the full spectrum of operational and product-related risks. Key coverage options include: Product Liability – critical for manufacturers and importers Pollution Liability – for chemical, industrial, or food-related operations Professional and D&O Liability – for companies offering design, consulting, or executive services Employment Practices Liability – for HR-related exposures In-house binding authority allows for quicker turnarounds on qualified risks, helping you respond faster to client needs. Underwriting Notes and Minimum Premiums We accept a wide range of risk classes and sizes, with minimum premiums starting at just $500. All carriers are A-rated or better by AM Best, ensuring your clients receive quality coverage backed by financial strength. Our underwriting team takes a collaborative approach, working closely with agents to structure the best possible terms. Territories and Availability This program is available to retail agents and brokers in Arizona (AZ), California (CA), Colorado (CO), and Texas (TX). We operate on a non-admitted basis, allowing us to tailor coverages for unique or hard-to-place risks outside of standard market appetite. Why Work With Ck Specialty Insurance? Ck Specialty Insurance is more than a wholesaler—we’re your strategic partner in placing specialty risk. As a Western-based, family-run operation, we understand the needs of regional businesses and the agents who serve them. With access to a wide range of surplus lines markets and a commitment to responsive service, we help you open more doors for your clients. Manufacturers & Distributors Insurance Ck Specialty Insurance is a family-owned & operated, Western-based MGA/Wholesaler/Surplus Lines Broker providing market access to retail insurance brokers in AZ, CA, CO, ID, MT, NV, OR, UT, & WA. Ck Specialty Insurance: Opening market doors…for you. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for manufacturers and distributors of products such as pharmaceuticals, medical devices, electronics, cosmetics, food and beverage items, and more—including higher-risk classes like chemicals and e-cigarettes. Is this program available on an admitted basis?No, this is a non-admitted program, which allows us to offer flexible solutions for difficult-to-place or emerging risks. What is the minimum premium for this program?Minimum premiums start at $500, depending on the risk profile and coverage selected. Can you help with accounts that need Pollution or Product Liability coverage?Yes, we offer both Pollution Liability and Product Liability as part of the program, making it suitable for businesses with significant environmental or product-related exposures. What states is this program available in?This program is currently available in Arizona, California, Colorado, and Texas through licensed retail agents and brokers. Need help placing an account? Connect with a market specialist.

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