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Policy Highlights for Mortgage Broker Insurance: Mortgage brokers and other financial professionals face a wide range of operational and liability exposures — from errors and omissions allegations to third-party bodily injury or property damage claims and regulatory complaints. Colonial General Insurance Agency, Inc. offers a focused Mortgage Broker Insurance program that helps agents place tailored protection for mortgage professionals operating across the western U.S. Overview of the Program From Colonial General Colonial General is a managing general agency and excess & surplus (E&S) broker with deep experience placing professional and liability coverages for financial services firms. This Mortgage Broker Insurance program is built to help agents secure E&O and related liability protection for mortgage brokers, loan originators, and small mortgage firms that need both professional and general liability solutions. Ideal Accounts and Appetite This program is a strong fit for: Independent mortgage brokers and mortgage sales teams Small to mid-sized mortgage firms and boutique lenders Loan originators, mortgage consultants, and correspondent brokers We typically prefer accounts with sound underwriting controls, documented policies and procedures, and a limited history of claims or regulatory actions. Startups and established firms can both qualify when risk management practices are in place. Accounts with ongoing regulatory enforcement, significant servicing portfolios, or a large history of litigated claims may require alternative placement strategies. Coverage Highlights and Advantages Limits beginning at $100,000 / $100,000 Deductibles available as low as $1,000 Coverage options may include professional liability (E&O), general liability, and other related protections depending on carrier and underwriting Access to admitted and non-admitted markets (some admitted markets available) *Specific coverages, endorsements, and premiums depend on the carrier selected and the submission details. Underwriting Notes and Minimum Premiums Underwriting is risk-focused and flexible. Colonial General evaluates experience, loss history, compliance posture, and controls to match each account with an appropriate market. Minimum premium requirements vary by carrier and state; our team will review submissions and identify the most competitive options for your client. Territories and Availability This program is available in the following states: Arizona (AZ) California (CA) Colorado (CO) Idaho (ID) Nevada (NV) New Mexico (NM) Utah (UT) Wyoming (WY) Why Work With Colonial General? Colonial General combines specialized underwriting for mortgage professionals with broad market access. As an MGA and E&S broker, we place business quickly when you need responsive quotes and solutions that reflect the client’s operations. Our underwriters collaborate with agents to identify the right carrier and coverage structure for each risk, particularly in western U.S. territories where we maintain established relationships. Whether you need a straightforward E&O policy for an independent broker or a layered solution for a growing mortgage firm, Colonial General can help you find placements that balance coverage and cost. Examples of Accounts That Fit You have a small mortgage brokerage with 2–5 loan originators, documented procedures, and no recent claims — you can pursue primary E&O limits with low deductibles through this program. A boutique lending firm that refers loans and needs combined professional and general liability coverage — Colonial General can evaluate admitted and non-admitted options to match the firm’s needs and budget. Frequently Asked Questions What types of accounts are a good fit for this program?Independent mortgage brokers, boutique lending firms, and loan originators with documented risk controls and a clean loss history are ideal candidates. Which states is this program available in?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. What coverages can be included in the policy?Coverage options depend on the carrier and underwriting but commonly include professional liability (E&O), general liability, and other related protections as needed. Are both admitted and non-admitted markets available?Yes. Colonial General has access to both admitted and non-admitted markets; availability varies by state and the risk profile. What is the minimum deductible and coverage limit offered?Deductibles can start as low as $1,000, with coverage limits beginning at $100,000 / $100,000. Exact terms depend on the carrier and underwriting outcome. Need help placing an account? Connect with a market specialist. ...

Enhanced Freight Brokers' Liability & Contingent Cargo Insurance Coverage Overview — Amwins National Transportation Underwriters The industry specialists at Amwins National Transportation Underwriters (part of Amwins Underwriting) offer a tailored Freight Brokers' Liability & Contingent Cargo program designed for brokers who need contingent protection when their contracted motor carriers are unable to respond. This program combines freight broker auto liability with contingent auto and contingent cargo, plus professional and general liability options to create a broad solution for broker exposures. Available Coverage Freight broker auto liability (no annual aggregate; provides defense outside the limits because it covers the insured's legal liability) Contingent auto liability Contingent cargo Professional liability (E&O) General liability (GL) Policy Limits Freight Brokers Up to $5,000,000 — Freight Broker Auto, GL Up to $1,000,000 — Professional (E&O) Up to $500,000 — Contingent Cargo Long-term Trailer Leasing $1,000,000 — Contingent Auto $100,000 — Off-Lease Physical Damage Ideal Accounts and Appetite This program is a strong fit for freight brokers, third-party logistics providers (3PLs), and broker-dealers who: Contract with small to mid-size carriers without maintaining large insurer controls on every motor carrier Need contingent coverage when a contracted trucker’s insurance is insufficient, unavailable or delayed Require combined protection for broker auto liability, contingent cargo, and professional liability Accounts that typically fit: established freight brokers with formal carrier vetting processes, 3PLs arranging freight across multiple modes, and entities that lease trailers long-term and need off-lease physical damage coverage. Coverage Highlights & Advantages Comprehensive product suite that combines freight broker auto liability with contingent auto and cargo—reducing coverage gaps when a carrier’s policy fails to respond. Freight broker auto liability written to provide defense outside the limits, supporting the insured’s legal defense costs when appropriate. National availability and underwriting that understands transportation-specific exposures. Flexible limits to accommodate a range of broker sizes and risk profiles. Underwriting Notes Amwins focuses on transportation expertise and underwriting discipline. Typical submission requirements include: Completed application and current loss runs Carrier vetting procedures, broker-carrier contracts, and examples of freight movements Details on any trailer leasing arrangements if seeking off-lease physical damage or contingent auto for leased equipment If you have unique structures or large account limits, discuss specifics with the underwriter since capabilities and binding authority vary by state. Territories & Admitted Status Availability: National. Amwins National Transportation Underwriters' capabilities and authority vary by state—see state-specific details and underwriter contacts using the resources below. Program availability includes the following states: 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... UT, VT, VA, WA, DC, WV, WI, WY. Note: This program is non-admitted in the states listed where admitted markets are not available; state-specific authority and market access can be reviewed on Amwins' capability map. Why Place This Business With Amwins Specialized transportation underwriting and experience placing complex broker and contingent exposures. Product structured to protect brokers from gaps that arise when a contracted motor carrier cannot meet a claim. Competitive capacity and flexible limits for freight broker auto, contingent cargo, E&O and GL—all in one program. Quick Examples You might have a client who is a mid-sized freight broker moving high-value retail freight across multiple states and needs contingent cargo protection in case a contracted carrier’s cargo limit is exhausted. Or a broker that leases trailers long-term and requires contingent auto and off-lease physical damage coverage for those assets. Both scenarios align well with this program. Amwins National Transportation Underwriters aims to combine market access with transportation expertise to give brokers a practical, single-source solution for contingent exposures. Click here to learn more about our program! Amwins National Transportation Underwriters' capabilities and authority vary by state. Click here to view an interactive map with state-specific underwriter contact information, binding authority and program markets, and coverages. Frequently Asked Questions What types of freight broker accounts are the best fit for this program?Mid-size to larger freight brokers and 3PLs that regularly contract with third-party motor carriers, have formal carrier vetting processes, and need contingent coverage for auto liability and cargo gaps are the best fit. Does this program include professional liability (E&O)?Yes. The program can include professional (E&O) coverage with limits up to $1,000,000 as part of the broader package. How does contingent cargo coverage work under this program?Contingent cargo provides protection for the broker when a contracted carrier’s cargo policy is unavailable or exhausted. Limits for contingent cargo are available up to $500,000 under this program. Need help placing an account? Connect with a market specialist.

For over 15 years, Commercial Sector Insurance Brokers has delivered alternative, market-driven solutions and competitive placement strategies for difficult-to-place commercial risks. As a wholesale insurance broker, our team values strong relationships with retail agents and carrier underwriters. We combine deep commercial-lines expertise with access to admitted and non-admitted A-rated (or better) markets to place accounts across a broad range of industries.Program Overview Commercial Sector Insurance Brokers specializes in 100% commercial lines and works with agents nationwide to find tailored solutions for hard-to-place business. We handle accounts from small risks to large layered placements and frequently provide positive alternatives where standard markets decline or price aggressively. Ideal Accounts and Target Classes We have particular appetite for accounts that need creative placement, including coastal and catastrophe-exposed risks. Target classes include: • Coastal Property / Catastrophe-exposed accounts • Apartments, Condominiums, Hotels, Motels • Municipalities • Manufacturers and Distributors • Vacant Buildings • Retail Operations • Commercial and Residential Real Estate • Stock Throughput We place mono-line or layered structures, coastal wind and earthquake covers, and specialty property or liability solutions for niche exposures. Coverage Highlights and Advantages • Commercial General Liability (including roofing, excavation/road, artisan contractors, hab...N, TX, UT, VT, VA, WA, DC, WV, WI, WY. We work with both admitted and non-admitted options depending on the insured’s needs and state requirements. Why Work With Commercial Sector Insurance Brokers Specialized 100% commercial-lines focus — experience placing complex property and liability risks. Access to admitted and surplus lines markets with A-rated or better capacity. Flexible placement options: mono-line, layered excess, coastal wind/earthquake, inland marine and more. Responsive underwriting and in-house authority for select classes to speed placement. Dedicated wholesale support for retail agents — strategic solutions rather than one-size-fits-all quotes. Example scenarios You might have a client with a coastal hotel that needs layered property limits and wind deductible buy-back options after being non-renewed in the standard market. We can evaluate layered structures and surplus options to maintain capacity and manage coastal exposure. Or you may represent a manufacturer seeking products liability and pollution coverage due to unique operations. We can combine product liability with environmental forms and coordinate with admitted carriers to create a comprehensive program. Contact one of our experienced team members to discuss specific submissions and learn how Commercial Sector Insurance Brokers can help you place the missing pieces for challenging commercial accounts. Frequently Asked Questions What types of accounts are the best fit for this program?We focus on commercial risks that are difficult to place in standard markets — coastal cat-exposed properties, multifamily habitational risks, vacant buildings, manufacturers/distributors with product exposures, and layered placements requiring excess capacity. Do you place admitted business, surplus lines, or both?We place both admitted and non-admitted business. Our carrier panel includes A-rated (or better) admitted markets as well as surplus lines capacity for harder exposures or higher limits. What submission information do you typically need?Provide completed applications, current loss runs (typically 5 years if available), schedules of values for property, details on risk management or mitigation for coastal/vacant properties, and description of operations for liability accounts. Can you handle layered excess or large limit placements?Yes — we routinely structure layered excess programs and coordinate multiple carriers to assemble capacity for large or complex accounts. Which states do you serve?We work with agents across the United States and place business in the states listed in the storefront. Submission requirements and admitted vs. surplus options may vary by state. Need help placing an account? Connect with a market specialist.

Specialty Insurance Agents/Brokers E&O Are you offering your clients comprehensive, competitive Errors & Omissions (E&O) protection for their insurance operations? Tennant Risk Services specializes in E&O coverage for insurance agents, brokers, and related service providers. As a Managing General Agency and Excess & Surplus Lines Broker, we combine deep underwriting expertise, fast turnaround, and broad market access to help you place even complex or hard-to-place accounts. We support retail producers with tailored E&O solutions for established agencies and new operations alike. Our carrier relationships and underwriting experience allow us to quote competitive terms and broad coverage options—often where other markets cannot. Target Classes Property/Casualty agents and brokers Retail and wholesale insurance operations Managing General Agents (MGAs) and underwriting managers Surplus lines brokers Life, health, and disability agents Risk management and insurance consultants Third-party administrators (TPAs) Reinsurance intermediaries Premium finance companies We also have a strong appetite for more challenging accounts, including: Specialty lines concentrations — aviation, medical malpractice, marine, bonds Accounts with adverse loss history Startups and newly licensed agencies Firms offering multiple insurance services or specialty divisions Coverage Highlights Minimum premiums starting at $1,750 Coverage for independent contractors Insolvency coverage Risk management services included Multiple limit and deductible options Defense outside the limits First-dollar defense available Optional cyber risk and EPL coverage Sample account scenarios Medical-malpractice-focused agency that benefits from risk management services — $1M limit, $10,500 premium (example) Retail agency with prior claims seeking broader limits — $2M limit, $15,000 premium (example) Newly formed P&C and life/health agency seeking an affordable startup option — $1M limit, $1,700 premium (example) Large multi-division agency requiring high limits and specialty capacity — $2M limit, $48,000 premium (example) Wholesale MGA needing excess capacity — $10M limit, $195,000 premium (example) Whether you're placing a straightforward agency or a high-risk specialty operation, Tennant Risk Services offers the underwriting depth and market access to help you succeed. We work with multiple carriers and can access both admitted and non-admitted markets depending on the risk profile, territory, and size of the account. Territory and availability This program is available in all 50 states and Washington, DC. Our nationwide reach lets you place accounts across diverse regions, including hard-to-place areas and niche markets. At Tennant Risk Services, we provide retail producers with the tools and market access needed to serve agency clients effectively—backed by specialty underwriting knowledge, responsive service, and flexible products. For a fast quote or to discuss a specific submission, please call or email us today. Put our Insurance Agents/Brokers E&O expertise to work for you! Frequently Asked Questions What types of accounts are a good fit for this E&O program?This program fits retail and wholesale agencies, MGAs, surplus lines brokers, TPAs, and specialty producers such as aviation or medical-malpractice agents. Can you help with new or startup insurance agencies?Yes. We welcome newly formed and newly licensed agencies, including firms that offer multiple lines or combined services. Do you offer coverage for agencies with claims or loss history?Yes. We work with markets that will consider accounts with adverse loss experience and collaborate with agents to find structured solutions. Is coverage available nationwide?Yes. This program is available in all 50 states and Washington, DC. Are admitted and non-admitted options available?Some admitted markets are available depending on the risk and territory. When admitted coverage is not an option, we can place business in non-admitted markets to secure capacity. Need help placing an account? Connect with a market specialist. ...

Moving can be one of the most frustrating and costly experiences a person deals with at least once in their life. Preparing for a move involves various expenses—packing materials, hiring professional movers, transferring homeowners or renters insurance, and more. On top of that, there’s the added concern of keeping personal belongings safe during transport. Chenango Brokers, LLC offers a comprehensive Household Movers Insurance program designed to protect your clients in the moving industry. Whether you’re working with new ventures or established moving companies, this program helps safeguard both their equipment and their customers’ property during relocation. Ideal Accounts and Appetite This program is tailored for household goods movers operating within a 300-mile radius. It's ideal for local and regional moving companies transporting personal belongings, household furniture, and related items. Chenango Brokers can work with both new businesses and experienced movers, provided they meet underwriting requirements. Accounts must have prior commercial insurance experience in some cases—specifically, two years of prior coverage is required for risks based in Florida and Illinois. Chenango Brokers focuses on placing risks that need broad protection for both vehicles and cargo. Coverage Highlights and Advantages A strong Household Movers Insurance policy should provide protection for all parties involved during a move. Chenango Brokers’ program offers well-rounded coverage options to meet those needs, including: • Liability Coverage • Physical Damage • Cargo Insurance • Crime Coverage • Commercial Auto • Comprehensive Coverage • Property Damage These coverages help protect the moving company’s trucks and vans, the cargo being transported, and third-party property in the event of an accident, theft, or other covered loss. For example, if you have a client who owns a small fleet of moving trucks and is expanding services across neighboring states, this program can help provide the liability and cargo coverage they need to grow confidently. Underwriting Notes and Requirements Chenango Brokers underwrites with a focus on properly insuring risk exposures common to the household moving industry. A few key underwriting notes: 300-mile operational radius maximum for all risks Two years of prior commercial insurance required for FL and IL New ventures considered in other states Coverage may be admitted in some states Territories and Availability This program is currently available in the following states: CT, FL, IL, MD, NJ, NY, PA, and RI. While coverage is available on an admitted basis in some states, availability and terms may vary by jurisdiction. Why Work With Chenango Brokers With over 30 years of experience in the transportation and moving insurance sector, Chenango Brokers brings deep market knowledge and underwriting support to help you place accounts confidently and efficiently. As a wholesale broker, Chenango offers fast turnaround—typically delivering quotes in under 37 minutes—and works closely with retail agents to ensure their clients are properly protected. Explore the full program details and access resources on our Household Movers Insurance page, or contact our team directly to get started. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for local and regional household goods movers operating within a 300-mile radius. Both new and established businesses can be considered, depending on underwriting criteria. Is prior insurance required to qualify?Yes, risks based in Florida and Illinois must have at least two years of prior commercial insurance. Other states may allow new ventures. What coverages are included in the program?The program includes liability, physical damage, cargo, crime, commercial auto, comprehensive, and property damage coverage options. How quickly can I get a quote?Chenango Brokers typically delivers a quote in less than 37 minutes once all required information is provided. In which states is this program available?The program is available in CT, FL, IL, MD, NJ, NY, PA, and RI, with a 300-mile operating radius limit. Need help placing an account? Connect with a market specialist. ...

Overview — Insurance Agents & Brokers E&O Preferred Concepts LLC offers access to a dedicated Insurance Agents and Brokers Errors & Omissions (E&O) program through Mercator Risk Services. This wholesale placement option is designed for independent agents and brokers who need professional liability protection for mistakes, omissions, and disputed professional services. Mercator places coverage with various admitted and non-admitted markets, providing flexibility for routine and more complex accounts. Target Classes and Ideal Accounts Retail agents and brokerage firms Wholesale and surplus lines brokers Specialty operations and niche producers Underwriting managers and managing general agencies (MGAs/UGAs) Life and group health agents/brokers Reinsurance brokers Mercator also has appetite for hard-to-place, distressed, or unusual accounts. If you have a client with prior losses, unique distribution channels, or unusual exposures, Mercator’s underwriting team can evaluate those situations and provide options. Coverage Highlights and Advantages Professional liability (E&O) coverage tailored to insurance producers and broker errors/omissions. Limits available up to $5,000,000 on a primary basis, with additional limits offered on an excess basis. Access to multiple markets through a wholesale broker relationship—helpful when admitted markets are limited or a specialty appetite is required. Flexibility to consider non-standard and higher-exposure risks that may be declined elsewhere. Underwriting Notes and Minimum Premiums Underwriting is handled by Mercator Risk Services and is evaluated on a case-by-case basis. Minimum premium levels and deductible amounts depend on the size and type of the firm, its loss history, product lines, and overall exposure. Typical submission materials that speed placement include: Completed E&O application Recent loss runs and claims history Summary of operations, revenue, and staff/producer counts Details on any prior disciplinary actions or regulatory issues Territories and Availability This program is available across a broad set of U.S. jurisdictions: 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...A, WA, DC, WV, WI, WY. Why Work With Preferred Concepts LLC on This Program Wholesale distribution: Preferred Concepts connects you to Mercator’s program markets and underwriting expertise. Specialty handling: Mercator’s team is experienced placing unusual, higher-exposure, or hard-to-place producer E&O risks. Limits and structure: Capacity to place larger limits on a primary basis and to arrange excess layers when needed. Example Scenarios You have a regional retail agency looking for a $1M/$2M professional liability program after a client dispute — this program can provide tailored primary limits and access to excess capacity. A wholesale broker with complex surplus lines placements has a prior loss on file and needs an E&O solution; Mercator will consider the account and work to place it rather than decline up front. For placement assistance or to discuss a submission, contact Mercator Risk Services by phone at (860) 527-9717 or by e-mail at info@mercatorpro.com. Additional program materials and applications are available on Mercator’s website: www.mercatorpro.com. Frequently Asked Questions What types of producer accounts are a good fit for this E&O program?The program fits retail and wholesale agents, specialty producers, MGAs/UGAs, life/group health brokers, and reinsurance brokers — including accounts that other markets may consider hard to place. What limits and policy structure are available?Primary limits are available up to $5,000,000, with additional excess capacity available. The final structure depends on underwriting review and carrier appetite for the specific account. How is pricing and minimum premium determined?Minimum premiums and deductibles are determined by firm size, type of business, exposure profile, and loss history. Mercator evaluates each submission to provide a tailored quote. What information should I include with a submission?Include a completed E&O application, recent loss runs, a description of operations/revenues, and any relevant regulatory or disciplinary history to help expedite underwriting. Can this program handle accounts with prior losses or unusual exposures?Yes. Mercator explicitly handles hard-to-place, distressed, and unusual accounts and will review submissions that many standard markets decline. Need help placing an account? Connect with a market specialist.

When it comes to running a restaurant there are many requirements that need to be in place to protect the business, the owner, and the employees. This is a risky and fast-paced business, and owners need multiple protections to keep up in this industry. Among the many items an owner must manage, a few stand out as especially important — 1. The Business Plan 2. Business Licenses 3. Liquor License The most stressful part of starting and operating a food or beverage business is often the insurance program. Restaurants typically need property insurance, general liability, workers' compensation, liquor liability, umbrella excess and other tailored coverages. Chenango Brokers, LLC offers a Restaurant Insurance program designed specifically for independent agents and brokers placing hospitality risks. As a wholesale broker, we shop multiple markets to find competitive, comprehensive products tailored to a restaurant's exposures. Our underwriting team focuses on speed and clarity so you can move accounts quickly and confidently. Let us step up to the plate. We will identify appropriate carriers and coverage options based on your client’s operations, size and exposures, then provide a timely quote and responsive servicing. Available Coverages: • Business Owners Policy • Lessor Risk • Liquor Bonds • Workers Compensation • Liquor Legal *depending on the target class, this can be either a stand-alone policy or added to a business owners policy. Target Classes: - Restaurants - Bars and Taverns - Delis - Pizzerias - Bakeries - Bodegas - Takeouts - Franchised locations - Non-franchised locations Ideal Accounts and Appetite Small-to-medium restaurants, quick service and full-service dining establishments. Neighborhood bars, taverns and pizzerias that hold a liquor license and require liquor liability or liquor legal protection. Bakery, deli and takeout operations with typical exposures (cooking equipment, slip-and-fall, delivery). Franchised and non-franchised single-location risks; multi-location accounts considered on a case-by-case basis. Coverage Highlights and Advantages Access to Business Owners Policies (BOP) that combine property and liability limits appropriate for restaurants. Liquor liability and liquor legal coverage options for on-premise alcohol exposures, plus liquor bonds where required. Workers' compensation solutions and umbrella/excess follow-form capacity to broaden limits. Wholesale broker placement — multiple carrier options and tailored submissions to match underwriting appetite. Underwriting Notes and Minimum Premiums Underwriters will evaluate typical restaurant exposures such as cooking operations, hood suppression systems, alcohol service, delivery operations, and liquor sales percentage. High-risk features (e.g., nightclubs with live entertainment, large-capacity event venues, rooftop bars) may require specialized underwriting or additional exclusions. Minimum premium: Varies by carriers and products. Specific minimums depend on the carrier selected and the state where the business operates. Territories and Availability Chenango Brokers' Restaurant Insurance program is available in the following states: AL, AZ, CT, FL, GA, IL, MD, NV, NJ, NY, OH, OK, PA, RI, TX, VA, WA. Some coverages and carriers are offered on admitted paper in select states and non-admitted in others — availability varies by product and state. *Please note that not all of our carriers and products are available in every state. Examples of Good Fits You have a single-location pizzeria with on-premise dining and delivery service seeking a BOP with liquor liability — this program can provide combined property/liability options and liquor coverage that suits that risk. A neighborhood bar with a full liquor license that needs liquor legal protection and umbrella limits — we can submit to carriers that underwrite bar exposures and liquor-related legal defense. Why Place Restaurant Business with Chenango Brokers, LLC? Wholesale broker expertise: we present to multiple admitted and non-admitted markets to secure competitive terms. Hospitality-focused underwriting and flexible placement options for typical restaurant exposures. Responsive service and prompt quoting so you can close business faster for your insureds. Guidance on which coverages to include by class (e.g., liquor legal for bars, BOP for restaurants, workers' comp for staffed operations). No matter how big or small the risk — we will write it! Frequently Asked Questions What types of restaurant accounts are a good fit for this program?Small-to-medium single-location restaurants, pizzerias, delis, bakeries, takeouts, and neighborhood bars/taverns are the primary targets. Franchised and non-franchised locations are eligible; larger or specialty-nightclub risks are considered case-by-case. Which coverages can I place through Chenango Brokers' Restaurant Insurance program?You can place Business Owners Policies, lessor risk, liquor bonds, workers' compensation, and liquor legal coverage (either stand-alone or as an endorsement to a BOP), depending on the target class and carrier appetite. How quickly can I expect a quote and what do you need to submit?Chenango Brokers focuses on fast, clear underwriting responses. Typical submissions should include a completed application, loss runs, ACORDs, and details on liquor sales, hood suppression systems, payroll and any high-risk exposures. Exact turnaround varies by carrier and complexity. Are coverages admitted or non-admitted?Both admitted and non-admitted options are used. Availability depends on the product and state — some coverages are available on admitted paper in select states and non-admitted in others. Check state availability when submitting. What is the minimum premium?Minimum premium varies by carrier and product. Specific minimums are determined during carrier selection based on the insured’s class, exposure and state. Need help placing an account? Connect with a market specialist. ...

Comprehensive E&O Insurance for Real Estate Professionals from The Herbert H. Landy Insurance Agency, Inc. The Herbert H. Landy Insurance Agency, Inc. offers a focused Errors & Omissions (E&O) insurance program designed for real estate professionals. Built for agents, brokers and firms operating in residential and commercial markets, this program is underwritten by Great American Insurance Company and Great American Assurance Company—both admitted carriers with broad national capacity—delivering admitted paper and strong financial backing. Ideal Accounts and Eligible Professionals This Real Estate E&O program fits a wide range of real estate service providers: Real estate firms of varying sizes Independent real estate agents and brokers, including independent contractors Property management companies Real estate appraisers (residential and commercial) Real estate auctioneers If you place accounts that manage property portfolios, perform appraisals, or operate as independent practitioners, this program is designed to cover those professional exposures. Coverage Features and Advantages The program includes a robust set of enhancements and optional coverages that address common E&O exposures for real estate professionals: Drone usage bodily injury and property damage coverage* Fraudulently Induced Fund Transfer coverage — up to $25,000* Sellers Shield™ deductible waiver (where available)* $0 deductible option for applicants using the Real Estate Express Application* Public Relations Crisis coverage — $15,000 per incident / $30,000 per policy period Disciplinary Actions — up to $50,000 per policy period Subpoena Assistance — $25,000 per policy period Fair Housing Discrimination — $500,000 included, higher limits available Open house and lockbox coverage — full policy limits for bodily injury and property damage Unlimited claim expenses (except in NY & CA) Optional coverages for mortgage brokers, construction/development exposures, business brokers, and EPLI Unlimited extended reporting period for retirees, death, or disability Confidential legal hotline included *Available in most states with effective dates of 11/1/17 or later, pending state approval. Flexible Underwriting and Application Options Landy provides flexible underwriting and a streamlined Real Estate Express Application to speed placement. Financing is available with no credit check required, and a two-year policy option may be offered for qualifying accounts to lock in premium and reinstate limits — a useful feature for agents placing long-term programs. Territories and Admitted Availability This program is available in most U.S. states on an admitted basis where the carriers are licensed. Available 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..., UT, VT, VA, WA, DC, WV, WI, WY. Policies are written on an admitted basis in the states where the carriers are admitted. Why Work with The Herbert H. Landy Insurance Agency, Inc.? As a Managing General Agency with decades of professional liability experience, Landy combines underwriting expertise with responsive service. Agents benefit from: Access to admitted carriers with national capacity Underwriting that understands common real estate exposures (appraisals, property management, open houses, etc.) Streamlined applications and optional financed payments to ease placement Policy features tailored to real estate workflows, including open house and lockbox protections Example scenarios that fit well: You have a solo agent who lists residential properties and wants a low-deductible admitted policy with PR crisis support and subpoena assistance. You represent a mid-sized property management firm that needs E&O protection, fair housing limits, and optional EPLI for employee exposures. Frequently Asked Questions What types of accounts are a good fit for this E&O program?This program is ideal for real estate agents, brokers (including independent contractors), appraisers, property managers, and real estate auctioneers. Both solo professionals and firms are eligible. Are there deductible options available?Yes. Multiple deductible options are offered, including a $0 deductible for applicants using the Real Estate Express Application, subject to underwriting approval. Is coverage available in all states?The program is available in most U.S. states (listed above) and is written on an admitted basis where the carriers are licensed. Does the policy include coverage for property damage during open houses?Yes. The policy includes full limits for bodily injury and property damage related to open house and lockbox incidents. What carriers back this E&O program?The program is underwritten by Great American Insurance Company and Great American Assurance Company, both admitted insurers with nationwide capacity. Need help placing an account? Connect with a market specialist.

Working in the construction industry carries inherent risks, and roofing contractors face some of the highest exposure. From working at elevated heights to handling heavy equipment and hazardous materials, roofers are considered high-risk by most insurance standards. A well-structured insurance policy is essential for mitigating these risks and protecting both the contractor and their business. Roofing Contractors Insurance Program from Chenango Brokers Chenango Brokers, LLC offers a comprehensive Roofing Contractors Insurance program designed specifically for agents and brokers looking to place roofing-related risks. As a leading wholesale broker, Chenango simplifies the process with minimal supplemental applications and a fast, efficient binding process—ideal for busy contractors and the agents who serve them. We understand that roofing contractors need specialized coverage that addresses their unique exposures. Our program is built to meet those demands while also aligning with the requirements of local markets in selected states. Target Classes and Ideal Accounts This program is well-suited for residential and light commercial roofing contractors, including those who perform: • Tear-off and replacement work • Asphalt shingle installation • Metal roofing systems • Flat and low-slope roofing • Gutter installation and repair Accounts with a solid safety record, proper use of fall protection, and a history of compliance with OSHA standards are preferred. We can also consider risks with subcontractor exposure, provided proper controls are in place. Coverage Highlights A proper roofing contractors policy typically includes: • Workers' Compensation • General Liability • Business Owners Policy (BOP) • Commercial Auto • Professional Liability • Product Liability • Bodily Injury • Personal Injury In addition to these core coverages, we recommend inland marine and tools/equipment insurance to protect mobile equipment and jobsite tools—critical assets for roofing professionals. Why Agents Choose Chenango Brokers At Chenango, we prioritize ease of doing business. We eliminate redundant paperwork and help agents bind policies quickly so their clients can stay focused on the job. Our team has access to markets that understand the roofing industry and are willing to write business others might decline. Underwriting and Minimum Premiums Minimum premiums vary depending on the carrier and product selected. We work with a range of admitted and non-admitted markets to provide flexible solutions. Our underwriters consider each submission individually and are committed to finding the right fit. Available States Our Roofing Contractors Insurance program is available in the following states: AL, AZ, CT, FL, GA, IL, MD, NV, N... NY, OH, OK, OR, PA, RI, TX, VA, WA Please note that not all carriers and products are available in every listed state. Contact us to confirm availability for a specific risk. Partner With a Trusted Wholesale Broker Let Chenango Brokers be your go-to wholesaler for roofing contractor risks. With decades of experience and a commitment to helping agents succeed, we provide the markets, service, and speed you need to win and retain roofing clients. Frequently Asked Questions What types of roofing contractors are eligible for this program?We target residential and light commercial roofing contractors, including those working with shingles, metal roofs, flat roofs, and gutter systems. Accounts with a good safety history are preferred. Is this program available in all states?No, it is currently available in select states including NY, NJ, FL, TX, and others. Please refer to the list above or contact us to confirm availability in your state. What coverages are included in the Roofing Contractors Insurance program?Common coverages include General Liability, Workers' Compensation, BOP, Commercial Auto, Professional Liability, and optional Inland Marine for tools and equipment. Do I need to complete a supplemental application?We keep the process simple. Chenango does not require lengthy or repetitive supplemental applications, making it easier and faster to bind coverage. What kinds of accounts might not be a fit?Very large commercial roofing operations, risks with poor loss history, or contractors without proper fall protection protocols may not qualify for this program. Need help placing an account? Connect with a market specialist.

Why Use a Wholesale Aviation Insurance Broker? Aviation insurance is one of the most specialized and high-risk sectors in the commercial insurance world. As a retail agent, placing aviation business requires deep market access, technical expertise, and the ability to navigate complex underwriting requirements. That’s where Plimsoll Specialty Markets, LLC steps in. As a dedicated wholesale aviation insurance broker, we bring decades of experience and strong carrier relationships to help you find comprehensive coverage solutions for your aviation clients. Our team is made up of veteran insurance professionals who understand the nuances of aviation risk—from general aviation and commercial aircraft fleets to aviation-related operations such as ground support, maintenance, and airport services. We work exclusively with retail agents and brokers to help them secure competitive quotes and win new business or renewals in this high-stakes category. Ideal Accounts and Appetite Our aviation insurance program is built to serve a wide range of risks across the sector. We can help you place coverage for: Private and commercial fixed-wing aircraft Helicopter fleets and rotary-wing operators Flight schools and charter services Airport ground handling operations Maintenance, repair, and overhaul (MRO) operations Aviation manufacturers, including parts and airframe production Baggage handlers, fueling services, and other airport support businesses We also specialize in workers’ compensation coverage for aviation-related businesses, including access to competitive group dividend programs. Coverage Highlights and Advantages Our wholesale aviation insurance solutions include: Hull and liability coverage for a broad spectrum of aircraft General liability and hangarkeepers liability Workers’ compensation for aviation employees, including high-risk job classes Products and completed operations liability Coverage for complex or hard-to-place aviation operations Plimsoll’s access to multiple markets allows us to submit your client’s risks to the most appropriate carriers and negotiate the best possible terms. Our deep understanding of aviation exposures helps us recommend the most appropriate coverage structure for each situation. Underwriting Notes and Minimum Premiums We can assist with both admitted and non-admitted placements, depending on the risk and carrier availability. Our minimum premium requirement is typically $1,000,000, making this program suitable for mid-sized to large aviation operations or those with complex exposures. Territories and Availability Our aviation insurance solutions are available to agents and brokers in all 50 states, including the District of Columbia. Whether your client operates regionally or across multiple states, we can help tailor coverage that fits their operational footprint. The Plimsoll Specialty Difference At Plimsoll Specialty Markets, we do more than just quote aviation accounts—we partner with retail agents to become a trusted resource for aviation placement strategy. Our commitment to superior service, fast turnaround, and deep market access means you’ll be better positioned to win and retain aviation business. We also provide support throughout the policy lifecycle, including renewals, mid-term changes, and claims coordination. You might have a client who operates a charter flight service with a mixed fleet or a company that provides maintenance services at a regional airport. These types of businesses often struggle to find adequate coverage through standard markets. With Plimsoll, you gain access to the underwriting expertise and carrier relationships needed to meet these clients’ needs. Let our wholesale aviation team be your competitive edge in the aviation insurance market. For more information, give us a call or send an inquiry by clicking here. Frequently Asked Questions What types of accounts are a good fit for this aviation insurance program?This program is ideal for private and commercial aircraft operators, helicopter fleets, flight schools, airport service providers, MRO facilities, and aviation manufacturers. Is workers’ compensation coverage available for aviation-related businesses?Yes, we have strong expertise in placing workers’ compensation for aviation operations, including access to competitive group dividend programs for qualifying businesses. What is the minimum premium for this program?The typical minimum premium starts at $1,000,000, making the program best suited for mid-sized to large aviation risks or those with complex exposures. In which states is this program available?This program is available in all 50 states and the District of Columbia. Why should I work with Plimsoll Specialty Markets on aviation placements?We offer deep aviation market knowledge, access to multiple carriers, fast turnaround times, and personalized support to help you win and retain high-value aviation accounts. Need help placing an account? Connect with a market specialist. ...