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Broker Liability Insurance One in five real estate agents and brokers will face a lawsuit during their career. Help your clients protect their professional reputation and financial stability with Alexander J. Wayne & Associates, Inc.'s Broker Liability Insurance program. As an experienced Excess & Surplus Lines broker, AJ Wayne places tailored real estate professional liability for agents, brokers and allied professionals using top-rated specialty carriers and targeted underwriting to match each client's exposure. Overview of the Program from Alexander J. Wayne & Associates, Inc. This program is designed to respond to common and specialty exposures in residential real estate practice—errors and omissions, personal injury (including libel and slander), discrimination allegations, pollution-related claims from property operations, and risks tied to lock boxes or subcontracted inspectors. AJ Wayne combines market access and underwriting experience to place straightforward accounts as well as harder-to-place risks through non-admitted carriers when necessary. Ideal Accounts and Appetite This program fits a broad range of real estate professionals, including: Real estate agents and brokers — residential Property managers and asset managers Home and lead paint inspectors Leasing agents and facilitators Mortgage brokers, bankers, and mortgage field representatives Residential real estate appraisers Real estate consultants and relocation consultants Typical fits: single-office brokerages, independent home inspectors, small-to-midsize property management firms, and mortgage professionals without significant commercial exposure. Accounts with high-value commercial portfolios, known fraud allegations, or documented prior criminal acts may require special placement or are outside standard appetite — AJ Wayne can advise on those on a case-by-case basis. Coverage Highlights and Advantages Independent Contractor Coverage: Options to extend protection to subcontracted inspectors and vendors. Lock Box Coverage: Includes property damage or loss arising from compromised lock boxes. Pollution Liability: Defense and indemnity for certain environmental claims tied to residential transactions or inspections. Discrimination Coverage: Defense for alleged discriminatory practices under fair housing or employment-related claims. Personal Injury: Libel, slander and other personal injury exposures — including online content. Punitive Damages: Available where insurable by jurisdiction and carrier. Automatic Acquired Subsidiary Coverage: Streamlines coverage for qualifying acquisitions. Common Ownership / Real Estate Equity Interest: Options to cover residential sales by affiliated developers or owned residential properties. Underwriting Notes and Minimum Premium Minimum premium for the program starts at $2,000. AJ Wayne works with a broad panel of specialty carriers to secure capacity and competitive terms. Representative markets include E-risk, Chartis, BRP, PRF, Axis, Schinnerer, Brown and Brown, Gen Star, Hiscox, Kinsale, Lexington, Liberty, US Risk, Houston Casualty, Shand, Specialty Global, USLI, Travelers, Tudor, Pearl Program, and Landy. Many placements are available on a non-admitted basis to give flexibility for more complex or harder-to-place risks. Territories and Availability AJ Wayne offers this program nationwide. Coverage is available in all 50 states and Washington, D.C., with broad access in states such as CA, FL, NY, TX, IL, and WA. Availability is subject to carrier appetite and state-specific regulations. Why Work With Alexander J. Wayne & Associates, Inc.? As an Excess & Surplus Lines broker with deep ties to specialty markets, AJ Wayne provides agents and brokers with market access, underwriting insight, and placement support tailored to real estate professionals. We focus on fast, practical solutions for both routine accounts and more challenging risks—helping you secure appropriate coverage, defend client relationships, and close deals. Example scenarios you might place through this program: A solo residential broker who needs E&O with online personal injury coverage after expanding marketing to social media. A small property management firm seeking pollution coverage and independent contractor protection for subcontracted maintenance vendors. Call AJ Wayne today to discuss a specific account or to get guidance on documentation and submission requirements. Frequently Asked Questions What types of accounts are a good fit for this program?This program fits a wide range of residential real estate professionals, including brokers, property managers, home inspectors, appraisers, and mortgage professionals. Small to mid-size firms are typically the best fit. Is this coverage available in all states?Yes. Coverage is available in all 50 states and Washington, D.C., subject to carrier appetite and state-specific rules. What is the minimum premium for this program?The program’s starting minimum premium is $2,000. Final pricing depends on class of business, limits, and risk characteristics. Are independent contractors covered under this program?Yes. The program includes options to extend coverage to independent contractors, such as subcontracted inspectors or vendors, where requested and underwritten. Which carriers do you work with for this program?AJ Wayne places this business with a wide range of specialty carriers including USLI, Travelers, Hiscox, Liberty, Gen Star, Axis, and many others on our panel. 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.

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 of the Program From J.R. Olsen Bonds & Insurance Brokers, Inc. J.R. Olsen Bonds & Insurance Brokers, Inc. offers a flexible Errors & Omissions (E&O) insurance program designed for a wide range of professional service firms. As a Managing General Agency with access to 25 different insurance companies, J.R. Olsen places E&O coverage for common professional exposures and harder-to-place classes. This program is intended for agents and brokers who need a reliable market for professional liability risks across many professions and transaction types. Ideal Accounts and Appetite The program is tailored for transactional and advisory professionals who face negligence, omission or error exposures in the performance of professional services. Typical classes we place include: Insurance Agents & Brokers Mortgage Bankers / Brokers Escrow Companies Title Companies and Agents Tax Deferred Exchange Attorneys Travel Agents Medical Malpractice Architects & Engineers For Most All Professions, If Not Shown Here Call If you have a professional client not listed above, this program often can consider submissions—especially where prior coverage, loss history and risk management practices are reasonable. Coverage Highlights and Advantages Access to multiple admitted and non-admitted markets through a single MGA, improving placement options for unusual or mid-sized risks. Standard E&O coverages for negligence, errors, omissions and defense costs; available endorsements and policy features depend on carrier selection. Competitive appetite for both renewal and new-business submissions across many professional classes. Underwriting flexibility for firms with limited prior coverage or unique operations, thanks to multiple carrier relationships. Underwriting Notes and Submission Requirements Underwriting varies by carrier and state. Typical documents requested include a completed E&O application, current and prior loss runs, descriptions of services offered, and any engagement letters or contracts. Common considerations that affect placement: Claims history and pending litigation Fee volume and revenue mix Contractual risk transfer (indemnities, waivers, third-party agreements) Risk management practices, staff qualifications and training Minimum premiums and retentions are carrier- and state-dependent. Because J.R. Olsen works with many markets, minimums will vary—submit the full underwriting package for the most appropriate market match. Territories and Availability This program is available in 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...T, VT, VA, WA, DC, WV, WI and WY. Admitted versus non-admitted options depend on carrier and state rules. What documents are typically required to get a quote?Underwriting commonly requests a completed E&O application, the most recent loss runs, descriptions of services and any sample engagement letters or contracts. More detail may be requested based on the class and carrier selected. 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.

Insurance Agent/Broker E&O Program from Rockwood Programs Rockwood Programs offers a comprehensive Errors & Omissions insurance solution tailored exclusively for retail insurance agents and brokers. Backed by Western World Insurance Group, rated “A” (Excellent) by A.M. Best with a Financial Size Category of IX, this program provides robust protection against professional liability exposures common to today’s retail producers. Ideal Accounts and Eligibility This program is designed for retail insurance agents and brokers with at least $2.5 million in gross written premium. It’s an excellent fit for established agencies that want reliable, broad coverage through an admitted product available in most states. If you have a client who is a growing regional agency expanding into specialty lines, or a long-standing broker who wants to upgrade from a basic E&O policy, this program could be a strong fit. Coverage Highlights and Advantages Broad definition of professional services Exclusion for B+/government-guaranteed insolvency Automatic coverage for independent contractors Punitive damages covered where allowed by law Included supplemental coverages at no extra cost: - Regulatory defense costs: $25,000 - Litigation expense reimbursement: $5,000 - Subpoena expense reimbursement: $5,000 Optional Coverage Enhancements Defense costs outside the limits of liability Employment practices claims expense reimbursement First dollar defense Privacy breach expense coverage Security incident expense coverage Aggregate retentions Underwriting Notes and Minimum Premium Rockwood evaluates each submission based on the agency’s size, experience, and risk profile. While minimum premiums vary, agents should expect competitive pricing aligned with the program’s broad coverage and high service standards. Territories and Availability This is an admitted program in most states, and is available in all U.S. states except possibly a few. Key markets include CA, TX, FL, NY, IL, and PA, among many others. Please contact Rockwood for state-specific availability. Why Work With Rockwood Programs As a seasoned Program Administrator, Rockwood Programs brings deep expertise in professional liability insurance. The company focuses on delivering responsive service, intelligent underwriting, and access to strong carrier partners like Western World Insurance Group. With a proven track record in the insurance agent/broker E&O space, Rockwood is a reliable partner for placing complex or high-premium accounts. Questions? Mark Lann - Executive Vice President mark.lann@rockwoodinsurance.com 302 307 3844 Frequently Asked Questions What types of accounts are a good fit for this program?Retail insurance agencies and brokers with at least $2.5 million in gross written premium are ideal candidates. Agencies with experienced staff and diversified books of business are a strong fit. Is this program admitted or non-admitted?This is an admitted program in most states, offering agents and brokers the benefit of regulatory compliance and financial security. What are some of the built-in coverage benefits?The policy includes regulatory defense costs ($25K), litigation reimbursement ($5K), and subpoena expense reimbursement ($5K) at no additional charge. Can independent contractors be covered under this policy?Yes, the program provides automatic coverage for independent contractors, which is ideal for agencies using 1099 producers. What optional enhancements are available?Enhancements include first dollar defense, defense outside the limits, privacy breach and security incident coverages, and employment practices claim expense reimbursement. Need help placing an account? Connect with a market specialist. ...

CalSurance’s main focus is on finding the best coverage options for Broker and Dealer Errors and Omissions Insurance. We have been an industry leader in Errors and Omissions since 1962. We strive to consistently provide financial professionals with broad, comprehensive Errors and Omissions Insurance at competitive rates. For our Broker Dealer Error and Omissions Insurance we offer: • Low deductibles • Affordable Rates • Multiple coverage benefits Coverage may include: • Coverage for BD’s and their registered representatives • Growth in representative count • Choice of limits for representatives • Deductibles as low as $25,000 • Cost or corrections / Trade error coverage • Outside activities – Insurance, Financial planning, RIA • Hedge funds • LPs, REITs, 1031 exchange deals, ETFs, EIAs • Failure to supervise selling away For more information on our Broker Dealer Errors and Omissions Insurance contact us today! ...

Access to Better and More Markets Getting Access to Better and More Markets can be difficult if you are a small or growing agency. Carriers want to bring in more premium and target larger agencies that can help them accomplish their revenue goals. We provide a unique solution for independent agents to expand your book and open up new opportunities for you. Here are a list of our Carriers: Allied Insurance CBIC CAN Deans & Homer First Comp ICAT Kemper Preferred Mapfre Insurance Mercury Insurance Group National General Insurance Oregon Mutual Insurance Personal Umbrella Safeco Insurance Select Insurance Group The Seneca Companies Travelers We maintain and expand the carrier appointments so you have the time to sell insurance and grow your agency. By joining our cluster you gain access to our carriers and markets. Having access to more companies gives you access to more profit! For more information on Access to Better and More Markets, or on how to become a part of the Axis Brokers Cluster, you can call us at 408-979-2240. Or apply by filling out the attached application and sending it to us! ...

Commercial Excess Liability Insurance from Commercial Sector Insurance Brokers Commercial Sector Insurance Brokers offers a nationwide solution for agents and brokers seeking reliable markets for Commercial Excess Liability Insurance. Whether your client needs additional liability limits or umbrella protection, we help you layer coverage up to $100 million and beyond. We work with AM Best A-rated carriers to ensure financially strong options for your insureds. As an Excess & Surplus Lines Broker, we specialize in last-minute placements and complex risk profiles. With access to over 15 top-tier carriers, we provide flexible alternatives for your clients’ excess liability needs—especially when time is critical or the risk is non-standard. Ideal Accounts and Appetite Our program targets a wide variety of commercial accounts across numerous industries. Some examples of accounts that may benefit from our Excess Liability solutions include: Construction contractors with significant contractual liability requirements Transportation companies needing higher auto liability limits Manufacturers and distributors dealing with high product liability exposures Hospitality and entertainment venues requiring coverage above standard limits Whether your client is a regional contractor or a multi-state logistics firm, our markets are equipped to handle high-limit excess placements tailored to their exposures. Coverage Highlights and Advantages Limits available up to $100,000,000+ Both Excess and Umbrella coverage options Access to 15+ competitive AM Best A-rated carriers Support for layered programs and complex risk structures Quick turnaround on submissions, even under tight deadlines We understand the urgency and complexity often involved in placing Excess Liability coverage and have the relationships and underwriting expertise to respond promptly. Underwriting Notes and Minimum Premiums We work with brokers nationwide to place both primary and excess layers. Our minimum premium starts at $5,000, with flexibility depending on risk class, limits required, and geographic location. Clean risk histories and well-managed operations typically receive more favorable terms. We encourage agents to submit early, but we also accommodate last-minute needs when possible. Our strong market relationships allow us to secure viable options quickly. Territories and Availability Our Commercial Excess Liability Insurance program is available in most states, including but not limited to CA, TX, FL, NY, IL, and NJ. We serve clients across 40+ states including both admitted (in select states) and non-admitted placements. For a full list of available states, please review our program details. Why Work With Commercial Sector Insurance Brokers? With years of experience placing Excess Liability coverage, we understand the nuances of this market. Our team is responsive, solution-focused, and committed to helping you find the right fit for your client—whether it’s a straightforward excess placement or a layered umbrella program with multiple carriers. Our strength lies in our relationships—with over 15 respected carriers—and our ability to deliver results under pressure. When you partner with Commercial Sector Insurance Brokers, you get a resource that understands your client’s needs and supports you at every stage of the placement process. Please call today for more information. Frequently Asked Questions What types of accounts are a good fit for this Commercial Excess Liability program?We work with a wide range of industries, including construction, transportation, manufacturing, hospitality, and more. Accounts with higher liability exposures or contractual insurance requirements are a great fit. What is the minimum premium for this program?The minimum premium starts at $5,000, but actual pricing depends on the risk characteristics, limits required, and location. Can you help with last-minute submissions?Yes, we specialize in last-minute placements and can often secure viable options quickly thanks to our strong carrier relationships. Is this program available in my state?Our program is available in over 40 states, including CA, TX, FL, NY, IL, and many others. Contact us to confirm availability in your specific state. Do you offer both excess and umbrella liability coverage?Yes, we offer both excess liability and umbrella coverage options, with limits up to $100 million and higher. Need help placing an account? Connect with a market specialist. ...