Search CompleteMarkets

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. ...

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.

To offer the best, you must work with the best—and Capitol Special Risks delivers with a specialized Insurance Agents and Brokers Professional Liability Insurance program backed by highly experienced underwriters and top-tier carriers. Designed for retail agents and brokers looking to protect their own operations or their clients in the insurance industry, this program provides comprehensive E&O coverage with broad eligibility and flexible terms. Ideal Accounts and Appetite Capitol Special Risks considers a wide range of professional placements in the insurance distribution chain, including: Retail Insurance Agents and Brokers Wholesalers, MGAs, and MGUs Reinsurance Intermediaries and Reinsurance Brokers Third-Party Administrators (TPAs) This program is suitable for both small and large firms, including sole proprietors and retiring agents who need extended reporting options. Whether your client is a startup agency or a multi-state operation, Capitol can help you place the right coverage. Coverage Highlights and Advantages Insurance Agents and Brokers Professional Liability Insurance Coverage Features: Broad Professional Services Definition Duty to Defend Insured’s Written Consent Required for Settlements 50/50 Soft Hammer Clause Mutual Selection of Defense Counsel Coverage Extensions: Disciplinary Proceedings Reimbursement Loss of Earnings and Expense Reimbursement Subpoena Legal Expense Spousal/Domestic Partner/Estates/Legal Representative Liability Breach of Privacy and Security Intellectual Property Rights Infringement Personal Injury and Punitive Damages Final Adjudication and Severability for Fraud Claims Insolvency Exclusion Carve-Back for B+ or Better Insurers and Government Guarantee Funds Carve-Backs for Securities, ERISA, and Patent Exclusions 60-Day Automatic Extended Reporting Period Mediation Credit and Application Severability Bi-Lateral Extended Reporting Period (up to 5-year tail or unlimited for retiring sole proprietors) Optional Enhancements Available: Aggregate Retentions First Dollar Defense Additional Defense Limit of Liability Continuity of Coverage Cyber/Privacy and Security Coverage Underwriting Notes and Minimum Premiums Capitol Special Risks offers flexible underwriting with access to multiple carriers. Minimum premiums vary depending on risk size, exposure, and coverage options. This non-admitted program gives you access to customized solutions unavailable in the standard market. Fast turnaround is standard, and Capitol never charges broker fees, making this an efficient and cost-effective option for your clients. Territories and Availability This program is available in all 50 states, including DC. No matter where your client is located—from California to New York, Florida to Alaska—Capitol has you covered. Why Work With Capitol Special Risks? With over 30 years of expertise in professional liability, Capitol Special Risks is a trusted wholesale broker that understands the unique exposures faced by insurance professionals. Their responsive team, efficient quoting process, and access to top-rated, specialty carriers make them a reliable partner for agents and brokers nationwide. Whether you're placing coverage for your own agency or helping a client with complex E&O needs, Capitol Special Risks provides the tools, expertise, and flexibility to get the job done right—and fast. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for insurance agents, brokers, MGAs, MGUs, reinsurance intermediaries, TPAs, and similar professionals in the insurance distribution chain. Is this program available in all states?Yes, Capitol Special Risks offers this E&O program in all 50 states, including the District of Columbia. Does the program offer an Extended Reporting Period?Yes, a 60-day automatic ERP is included, with options to purchase up to a 5-year tail or unlimited ERP for retiring sole proprietors. Are cyber/privacy coverages included?Cyber/privacy and security coverages are available as optional enhancements to the core policy. Is there a minimum premium for this coverage?Minimum premiums vary by risk profile, but Capitol offers competitive pricing and fast quotes tailored to your client’s needs. Need help placing an account? Connect with a market specialist. ...

Insurance Agents/Brokers E&O Do your clients have the right Errors & Omissions (E&O) protection? At Tennant Risk Services, we provide tailored E&O solutions for insurance agents, brokers, MGAs, consultants, and related operations. As a managing general agency and E&S broker with deep specialty expertise, we give you access to multiple markets and competitive terms—even for harder-to-place accounts. We know the professional liability exposures insurance professionals face. Whether your client is a startup retail agency, a wholesale broker with a niche book, an MGA running programs, or a consultant handling complex placements, we work to secure broad, flexible E&O coverage with fast turnaround and responsive underwriting. Ideal Classes Property & Casualty agents and brokers Retail and wholesale operations Underwriting managers / MGAs Surplus lines brokers Life, health, & disability agents Risk management and insurance consultants Third-party administrators (TPAs) Reinsurance intermediaries Premium finance companies Challenging Risks Welcome We routinely handle accounts and specialty exposures that other markets decline. Typical appetites include: Specialty lines placement experience: aviation, medical malpractice, marine, surety/bonds Accounts with prior losses, claims, or non-renewals New ventures and start-up agencies Newly licensed professionals Firms offering multiple insurance services or program administrations Coverage Highlights Minimum premiums starting at $1,250 Coverage for independent contractors Insolvency protection Risk management services included Flexible limit and deductible options Defense outside the limits First-dollar defense available Optional cyber risk and employment practices liability (EPL) enhancements Sample Account Scenarios Medical-malpractice specialty brokerage that wants risk management services — $1M limit, $10,500 premium (sample placement) Retail agency recently non-renewed due to claims — placed for $2M limit, $15,000 premium (sample placement) Startup P&C and life/health agency seeking primary protection — $1M limit, $1,700 premium (sample placement) Large agency with program division needing higher limits — $2M limit, $48,000 premium (sample placement) Wholesale MGA with significant capacity needs — $10M limit, $195,000 premium (sample placement) Territories & Market Access Tennant Risk Services places both admitted and non-admitted options depending on the risk profile and jurisdiction. Coverage is available in all 50 states plus DC, including CA, NY, TX, FL, and others. Carrier access and terms vary by account size, class, and territory, allowing flexible placement strategies. Why Partner with Tennant Risk Services? We focus on helping retail agents and brokers place professional liability business with speed and technical underwriting. Our team pairs hands-on underwriting with broad market relationships to find solutions for routine and specialty E&O risks. We welcome complex and hard-to-place accounts and provide loss-control resources to help reduce exposure. Email us at submissions@tennant.com to discuss a risk or submit an account. Put our Insurance Agents/Brokers E&O expertise to work for you today! 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 consultants — including st...rtups, firms with prior claims, and those offering specialty coverages. Can newly licensed agents or new agencies get coverage?Yes. Tennant Risk Services offers solutions for newly licensed agents and startup agencies, including those writing both P&C and life/health lines. Do you place firms with prior E&O claims?Yes. We have experience placing accounts with adverse loss history or prior non-renewals. Each submission is reviewed individually to identify the best available markets and terms. Is coverage available nationwide?Yes. Coverage can be placed in all 50 states and Washington, D.C. Market availability and specific terms may vary by state and risk characteristics. What is the minimum premium for eligible accounts?Minimum premiums start at $1,250, subject to class, size, and the specific risk profile. 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.

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.

The construction industry is fast-paced and filled with risk—from job site injuries to property damage to liability for subcontracted work. That’s why Chenango Brokers, LLC offers a flexible and comprehensive General Contractors Insurance program designed to help independent agents and brokers place a wide range of contractor accounts with confidence. Overview of the Program from Chenango Brokers As a wholesale broker with deep experience in contractor risks, Chenango Brokers does the heavy lifting for you. We work with multiple carrier partners to help you secure tailored coverage solutions for general contractors and artisan trades. With fast turnaround—often in 37 minutes or less with a complete application—we’re ready to help you place construction-related accounts quickly and accurately. Ideal Accounts and Appetite Our program targets a broad range of contractor classes, including: • Residential and commercial general contractors • Artisan contractors • Carpenters • Electricians • Plumbers • Subcontractors and independent contractors • Retail and light commercial remodelers Whether your client is a solo artisan or a larger GC managing multiple trades, we understand the exposures and have the market access to support them. You might have a small plumbing contractor needing basic GL and tools coverage, or a mid-sized GC managing several crews who needs umbrella, auto, and workers comp—we can help with both. Coverage Highlights and Advantages Chenango Brokers offers access to carrier partners with deep expertise in construction risks. Available coverages include: • General Liability • Professional Liability • Workers Compensation • Commercial Auto Liability • Physical Damage • Builders Risk • Equipment Coverage • Umbrella/Excess Liability We can help you build a policy that balances affordability with the protection your insureds need to meet client contracts and state requirements. Underwriting Notes and Minimum Premiums Minimum premiums vary by carrier and product line. With a completed application, we can typically return quotes in under 37 minutes. We’ll work with you to gather the right information up front and identify the best fit among our markets. Territories and Availability This program is available in the following states: AL, AZ, CT, FL, GA, IL, MD, NV...OK, OR, PA, RI, TX, VA, and WA. What coverages can I access through this program?Available coverages include General Liability, Workers Compensation, Commercial Auto, Builders Risk, Equipment, Umbrella, and more. 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. ...

Excess & Surplus Brokerage from American E&S Insurance Brokers American E&S Insurance Brokers provides Excess & Surplus (E&S) Lines solutions for agents and brokers who need non-admitted markets to place difficult or non-standard commercial risks. As an experienced E&S broker with access to a broad panel of carriers, we focus on securing property and casualty coverage for accounts that standard markets often decline due to size, complexity, loss history, or unique exposures. Ideal Accounts and Appetite This E&S program targets risks that sit outside admitted-market appetites. We commonly write or seek markets for: Contractors and construction firms with complex operations or loss/claims history Owners, landlords, and tenants in higher-risk occupancies or older buildings Manufacturers and distributors needing products liability limits or specialty forms Accounts seeking excess liability or commercial umbrella protection High-premium Workers’ Compensation risks (typically over $100,000 in annual premium) Properties with significant catastrophe exposure (wind, flood, earthquake) Builder’s risk and contractor’s equipment schedules Whether you have a general contractor needing layered excess liability or a coastal property owner with CAT exposures, we work to find an appropriate non-admitted placement. Coverage Highlights and Advantages We offer flexible underwriting and access to competitive E&S products across casualty and property lines. Key coverages include: Casualty: Contractors and construction liability Owner, landlord and tenant liability Products and completed operations liability Workers' Compensation for large or hard-to-place payrolls Commercial umbrella and excess liability layers Standalone excess liability placements Property: All-risks property forms DIC (Difference in Conditions) including wind, flood, and earthquake options Builder’s risk for new construction projects Contractor’s equipment / inland marine schedules We tailor wording and limits to the insured’s exposures, leveraging multiple non-admitted markets to find competitive terms and endorsements when needed. Underwriting Notes and Minimum Premiums Each submission is evaluated on operations, loss history, exposures, and limits requested. Complete submissions accelerate placement—please include a full application, current loss runs, and any supporting documentation (safety programs, contracts, job schedules, equipment lists, etc.). Minimum premiums or threshold requirements may apply for certain classes—Workers’ Compensation accounts over $100,000 in premium are a typical example. Our underwriters will discuss applicable minimums and available options during review. Territories and Availability American E&S Insurance Brokers has national capability and can place E&S business across the country, including high-risk states such as California, Florida, Texas, and New York. Our broad territorial reach allows retail agents and brokers to submit accounts from coast to coast and receive timely market responses. Why Work With American E&S Insurance Brokers? With decades of experience in the surplus lines marketplace, American E&S Insurance Brokers combines deep underwriting knowledge, strong carrier relationships, and a practical approach to placing tough risks. We offer responsive service, flexible placement strategies, and access to multiple non-admitted carriers so you can keep accounts in your book that standard markets decline. Example scenarios where our program adds value: You represent a general contractor with a recent loss history seeking an excess liability layer—our team will target carriers that underwrite complex construction risks. You have a coastal property owner with high wind exposure and multiple tenants—we can pursue DIC and wind/flood solutions through non-admitted markets. If you need assistance placing an account, our market specialists can help evaluate fit and prepare submissions. Connect with a market specialist. Frequently Asked Questions What types of accounts are a good fit for this E&S program?This program is well suited for construction contractors, property owners with CAT exposure, businesses that need excess liability, and Workers' Compensation accounts typically over $100,000 in premium. Can you write business in all states?Yes. American E&S Insurance Brokers can place E&S business nationwide, including high-risk states such as California, Florida, and New York. What information is needed to submit a risk?To evaluate a submission, we generally require a completed application, current loss runs, and any relevant supporting documents such as payroll/job schedules, equipment lists, or safety program summaries. Are policies written on a non-admitted basis?Yes. This program places coverage on a non-admitted (surplus lines) basis through various E&S carriers. Is there a minimum premium requirement?Minimum premiums may apply for certain classes—Workers' Compensation accounts over $100,000 in premium are a common threshold. Contact our underwriters for specific guidelines. Need help placing an account? Connect with a market specialist. ...