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The National Flood Insurance Reform Act of 1994 requires mortgage lenders to meet strict flood insurance obligations. Those requirements include obtaining flood zone determinations for new loans, updating determinations when a property enters a Special Flood Hazard Area (SFHA), and making sure properties in SFHAs have adequate flood protection. Failure to maintain compliance can result in monetary penalties during audits by Fannie Mae, Freddie Mac, or other secondary market participants. Overby Seawell Co. (OSC) offers a dedicated Lender Placed Flood program that helps mortgage lenders, servicers, banks, and credit unions maintain flood insurance compliance across loan portfolios. As a Managing General Agency (MGA), OSC places lender-placed flood coverage through a panel of carriers and provides systems and service designed to reduce unnecessary placements while meeting regulatory requirements in most U.S. states. Ideal Accounts and Appetite This program is built for agents and brokers who place flood coverage for mortgage lenders and servicers. OSC works with residential, commercial, and mixed-use mortgage portfolios. Typical accounts include regional and community banks, credit unions, mortgage servicers, and portfolio managers that must demonstrate flood compliance for loans secured by properties in SFHAs. You might have a client that is a regional credit union managing thousands of mortgages, or a servicer that acquires loans from brokers nationwide. OSC can support both single-loan placements and large portfolio programs, with automated tracking and placement logic to limit unnecessary policies. Coverage Highlights and Advantages Flood zone determinations for new and existing loans to identify SFHA exposure Automated portfolio tracking through OSC’s proprietary TC system to flag deficiencies and avoid duplicate placements Borrower notification workflows for required coverage or documentation gaps Placement of lender-placed flood policies when borrower-placed coverage is missing or insufficient Compliance support for FEMA/NFIP rules and documentation needed for secondary market sales Access to multiple carrier markets to find flexible terms and competitive pricing Underwriting Notes and Minimum Premiums Premiums depend on property location, flood zone classification, structure characteristics, and portfolio size. OSC partners with agents and lenders to place appropriate coverage efficiently, using TC system automation to reduce false placements and administrative overhead. Minimum premiums and specific underwriting requirements vary by carrier and state—contact OSC or your market specialist for case-specific guidance. Territories and Availability OSC’s Lender Placed Flood program is available in most U.S. states, including AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY and DC. Whether your client operates regionally or nationally, OSC can scale service to match the portfolio’s geography. Why Work With Overby Seawell Co.? Overby Seawell Co. brings decades of experience in lender-placed insurance and mortgage compliance. As an MGA with established carrier relationships and a proprietary tracking platform, OSC combines regulatory knowledge, technology, and placement expertise to help agents place compliant lender-placed flood coverage quickly and reliably. Working with OSC gives you a partner that understands secondary market expectations and audit documentation needs. Frequently Asked Questions What types of accounts are a good fit for OSC’s Lender Placed Flood program?This program is ideal for mortgage lenders, loan servicers, banks, and credit unions that need flood insurance compliance solutions for properties in Special Flood Hazard Areas (SFHAs). How does the TC system help with compliance?OSC’s TC system tracks insurance status across loan portfolios, notifies borrowers of deficiencies, and reduces unnecessary policy placements—streamlining compliance management. Can OSC help with flood zone determinations?Yes. OSC provides flood zone determinations for new and existing loans and supports ongoing updates if a property moves into a higher-risk flood zone. In which states is this program available?The program is available in most states, including CA, FL, TX, NY, GA, WA, and many others. OSC supports national and regional lenders alike. What carriers does OSC work with?OSC works with various carriers to offer flexible and competitive lender-placed flood insurance solutions tailored to each client’s needs. Need help placing an account? Connect with a market specialist.

...ges resources from Mercator Risk Services, which has experience writing consul...ional advice, design, or assessment services—such as marketing, environmental,...

Extra Expense Insurance — Entertainment Pro Insurance Let the experts at Entertainment Pro Insurance help you place Extra Expense Insurance for motion picture, television, theatrical, music, broadcasting and special events productions. Our Extra Expense coverage reimburses the production company for additional expenses necessary to complete principal photography when a declared production is disrupted by loss, damage, or destruction of property or facilities contracted for the production. Overview of the Program This program is designed for production-related accounts that need coverage to bridge the cost of rescheduling, re-shoots, expedited shipping, temporary facilities, or other immediate expenses required to keep a production on track after a covered physical loss. Entertainment Pro Insurance places this coverage through multiple admitted and non-admitted markets and works with agents nationwide. Ideal Accounts and Appetite Independent film and television productions (feature films, episodic TV, streaming content) Commercial shoots, music video productions, and theatrical tours Broadcast and live event productions with rented facilities or specialized third-party vendors Typical fits are productions with clearly declared production schedules, defined budgets, and contracted facilities or key rental equipment. We generally prefer accounts with experienced production teams, documented production schedules, and risk mitigation plans. Accounts with high-risk stunts, uninsured key vendors, or inadequate continuity plans may require additional underwriting review or exclusions. Coverage Highlights and Advantages Reimbursement for extra expenses incurred to complete principal photography after a covered loss Flexible wording tailored to production schedules and production-specific vendors Access to multiple carrier markets through our wholesale broker relationships Program knowledge specific to motion picture, television, music, and live events Underwriting Notes and Minimum Premiums Underwriting focuses on the production budget, shooting schedule, vendor contracts, and mitigation plans (e.g., backup locations, duplicate negative/video storage, continuity procedures). Minimum premium: varies by carrier and state—please submit production details and budget for a tailored quote. Territories and Availability Available in: 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. Positioning: All Available Markets. Why Work With Entertainment Pro Insurance As a specialty wholesale broker, Entertainment Pro Insurance brings production-specific underwriting expertise and access to multiple markets. We work with agents to structure wording that aligns with production schedules and vendor obligations, and we can help place complex risks including rented equipment, third-party property exposures, and contingent coverages. You’ll get hands-on support from underwriters familiar with the entertainment industry and practical guidance on documentation and submissions that increase placement success. Example Account Scenarios You represent a mid-budget independent film that faces potential extra costs to rebuild a damaged set and hire additional crew time to finish a location shoot—this program can respond for the extra expenses necessary to complete principal photography. You have a client producing a live broadcast who needs coverage for expedited shipping and rental replacements when critical rented equipment is damaged during rehearsals—Extra Expense coverage can reimburse eligible, reasonable costs to keep the production on schedule. Sharon Emmons, Owner Entertainment Pro Insurance 9645 Padre Peak Court Las Vegas, NV 89178 (702) 639-3997 - Phone (702) 639-3994 - Fax Motion Picture, Television, Theatrical, Music, Broadcasting and Special Events Frequently Asked Questions What types of productions are a good fit for this Extra Expense program?This program fits feature films, episodic television, commercials, music videos, live broadcasts and special events that have defined production schedules, vendor contracts, and documented budgets. Productions with professional production management and backup plans place best. What submission information helps speed placement?Provide the production budget, shooting schedule, list of contracted vendors and locations, details of rented equipment, loss control/continuity plans, and a description of any key exposures (stunts, special effects, overseas shoots). The clearer the documentation, the quicker we can obtain quotes. Are there common exclusions or restrictions I should expect?Common underwriting concerns include uninsured key vendors, inadequate continuity storage for negatives/tapes, high-risk stunts without controls, and unclear vendor contracts. These items may lead to endorsements, higher terms, or declination depending on the carrier. Need help placing an account? Connect with a market specialist.