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Amwins Specialty Casualty Solutions (ASCS), part of the Amwins Underwriting division, is an MGA and specialty program creator with nearly $1B GWP across multiple industries and lines. ASCS distributes a suite of public entity products designed for pools and individual government clients. Below is a clear summary you can use when evaluating placement options for your public entity insureds. Program overview Amwins Underwriting’s Public Entity Insurance Programs provide dedicated property, liability, and workers’ compensation solutions for public-sector entities. These programs combine specialty underwriting, flexible capacity, and access to well-capitalized markets and reinsurers to address exposures unique to municipalities, school systems, special districts, public housing authorities and similar public entities. Ideal accounts and appetite Municipalities (cities, towns, counties) Public schools and higher education institutions Special districts and service authorities Public housing authorities and municipal utilities Pools and joint powers authorities seeking programmatic solutions You should consider these programs when your client needs higher capacity, layered solutions, or specialized terms crafted for public entities that standard commercial markets struggle to accommodate. Coverage highlights and advantages Public Entity Property: Up to $50M capacity per risk; administered by ASCS and written by a non-admitted carrier; excess follow-form; no TIV cap. Note: unable to participate on lead/primary layers. Public Entity Casualty: Liability offered as follow-form excess or reinsurance; up to $3M per occurrence; placed on AM Best “A-” paper and backed by a panel of global reinsurers; strong underwriting and claims expertise. Public Entity Workers' Compensation: Options include buffer, SIR, alternative funding and excess solutions; carrier ratings across programs range from AM Best "A+" to "A-" XII; available in all states. Underwriting notes and placement considerations Underwriting is program-driven and tailored to public entity exposures. Key considerations include existing policy layers (for follow-form placements), desired limit structure, loss history for public-sector operations, and whether the client is a pool or a single entity. The Property program operates on non-admitted paper; casualty and workers’ comp placements use admitted markets or reinsurer-backed structures depending on the program. Amwins’ underwriting team expects complete submissions with current values, schedules of locations, loss runs, and details on risk-transfer arrangements. Territories and availability Programs are available nationwide. States of availability include: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Why place public entity business with Amwins Underwriting Amwins Underwriting brings program design expertise, deep public entity underwriting, and strong carrier/reinsurance relationships. That combination helps you place larger limits, structure layered solutions, and offer funding alternatives for clients who need more than standard commercial terms. The underwriting and claims bench strength noted on the casualty program provides additional confidence for complex liability exposures. (*We work with pools and individual public entities) Frequently Asked Questions What types of public entity accounts are a good fit for these programs?These programs target municipalities, public schools and colleges, special districts, public housing authorities, municipal utilities, and pools. They are a strong fit when clients need higher capacity, excess or reinsurance placements, or alternative funding structures for workers’ comp. Are the programs admitted or non-admitted?Placement depends on the specific product: the Public Entity Property program is written by a non-admitted carrier and administered by ASCS. Casualty and workers’ compensation placements may be on admitted paper or structured with reinsurer support; confirm program specifics when submitting. What information should I include with a submission?Provide current policy details and limits, TIV and schedule of locations for property, recent loss runs, description of operations and exposures, any existing SIR or alternative funding arrangements, and details about pools or joint powers structures if applicable. Which states are these programs available in?The programs are available nationwide. Refer to the storefront for the full list of states, and confirm any state-specific requirements during submission, especially for workers’ compensation and surplus-lines placements. Need help placing an account? Connect with a market specialist.

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Insurance for Students, Sports & Leisure Activities Overview — Accident Medical Insurance from Amwins Underwriting (SMIC) SMIC, part of Amwins Underwriting, offers specialty Accident Medical, Student Accident and related liability programs for schools, sports organizations, special events and other leisure activities. With underwriting authority across all 50 states and access to A-rated carriers, SMIC delivers flexible, programmatic solutions that can be placed on a voluntary or mandatory basis, for single events or ongoing seasonal and annual operations. Industries and Account Types K-12 Education (public, private, charter, religious, preschool) Colleges & Universities Sports & Recreation (youth and adult leagues, clubs, tournaments) Public Entities Nonprofits and Religious Organizations Special Events, Fundraisers and Concerts Coverage Highlights Student Accident — Voluntary or mandatory student accident policies for K-12 activities, including athletics; common limits start at $25,000. Catastrophic Accident — Excess catastrophic benefits that supplement basic student accident coverage. Typical structures include 10-year or lifetime benefit periods and catastrophic cash options. With a common deductible of $25,000, limits can range from $1 million to $6 million. Accident Medical — Pays medical expenses resulting from accidental injury to participants, coaches, officials and volunteers during sports, camps, mission trips and similar activities. Typical limits for most programs range from $5,000 to $100,000. General Liability — Bodily injury, personal injury, property damage and optional participant legal liability for events, fundraisers, leagues and associations. TULIP (Tenant/User Liability Insurance Program) — Short-term, event-specific liability coverage with online issuance to reduce administrative burden for facility users and owners. Contingency Products — Coverage for cancellation & abandonment, non-appearance, prize indemnity, over-redemption, weather cancellation, transmission failure, ticket protection and related exposures. Inbound International Health Insurance — Comprehensive health coverage solutions for international students, visiting scholars and exchange program participants; available on mandatory or tight-waiver bases with flexible benefit designs. Why this program helps your clients These programs are designed to reduce the financial and reputational risk that arises when a participant is injured, an event is cancelled, or an organization is faced with third-party liability arising from athletic or recreational activities. SMIC’s specialty focus means underwriters understand the operational differences between a one-day tournament, a school district’s athletic program, and a year-round club—so quotes and policy forms reflect real exposures. Typical Appetite and Fit Good fit: K-12 and higher education student accident programs, youth and amateur sports leagues, seasonal camps, mission trips, nonprofit events, and single special events. Not a fit: High-risk professional sports, accounts requiring specialized workers’ compensation solutions, or exposures outside organized program structures without clear oversight. Underwriting Notes and Minimums SMIC offers tailored underwriting for single events through multi-year program placements. Common underwriting requirements include participant rosters, activity descriptions, supervision and safety protocols, and claims history when available. The program typically carries a minimum premium starting at $200. Territories and Availability SMIC has underwriting authority in all 50 states and Washington, D.C., and the program is available broadly across the United States. Because some coverages are admitted or non-admitted depending on the state and product structure, submit bind requests early so underwriters can advise on placement options and any state-specific requirements. How agents use this market As an MGA within the Amwins Underwriting family, SMIC gives agents access to dedicated specialty capacity and program forms for accident and event risks. You can use this market to place single events (concerts, tournaments, fundraisers) or programmatic accounts for schools, athletic associations and nonprofits. Example scenarios: You have a school district that needs a mandatory student accident plan for fall athletics with catastrophic excess—this program can combine a primary student accident policy with a catastrophic excess layer. A community recreation department needs short-term liability and accident coverage for an annual festival with multiple vendors and volunteer staff—TULIP and short-term accident limits can be issued to simplify administration. Click here to learn more about our offerings! Frequently Asked Questions What types of accounts are a good fit for SMIC’s Accident Medical program?Accounts that involve organized activities—K-12 and college student programs, youth and amateur sports leagues, camps, mission trips, nonprofit events and short-term special events—are the best fit. The program is built for participant accident exposures and related liability risks. What are the common limits and coverages I can quote?Typical accident medical limits range from $5,000 to $100,000 for primary accident medical coverage. Student accident plans commonly start at $25,000, and catastrophic excess limits typically range from $1 million up to $6 million depending on structure and deductible. What information does underwriting usually require?Underwriters typically request a description of the activity, participant counts/rosters, supervision and safety protocols, prior loss history and whether coverage is voluntary or mandatory. For events, details about attendance, vendors, and venue agreements help determine liability exposure. How do I submit a quote request and what is the minimum premium?Submit detailed account information to Amwins Underwriting/SMIC via your usual broker channels. The program’s minimum premium is generally $200; final pricing depends on exposure, limits, deductible structure and whether the placement is event-specific or programmatic. Need help placing an account? Connect with a market specialist.

Privacy Protection and Data Breach Coverage from Insurance Program Managers Group (IPMG) IPMG provides access to specialist markets for Privacy Protection and Data Breach insurance tailored for a wide range of commercial risks. This program is designed for agents who need flexible cyber and privacy solutions — from small professional firms to mid-sized retailers and service providers — backed by carriers experienced in handling breach response, liability, and cyber business interruption. Ideal Accounts and Appetite This program is a strong fit for agents placing accounts in the following classes: Professional services: lawyers, accountants, independent insurance agents, consultants and other firms that handle client information. Retail merchants and e-commerce businesses that accept payment cards or store customer records. Education organizations: private schools, tutoring centers, and training providers. Financial services firms and advisers with sensitive client data. Hospitality, restaurants and food service operations with POS systems and guest records. Health and medical practitioners and ancillary healthcare services. IPMG can consider many other classes — if you have an account with customer data, payment processing, or third-party hosted systems exposure, it may be eligible. Coverage Highlights and Advantages Privacy Protection and Data Breach Cost coverage to respond to regulatory inquiries, notification, credit monitoring and forensics. Multimedia liability to address content- and media-related exposures. Cyber Business Interruption and Hacker Damage for income loss and system repair after an attack. Cyber Extortion and crisis-management response for ransom events and negotiation costs. Policy limits available up to $10,000,000, with flexible limit structures to match client needs. Underwriting Notes and Minimum Premiums Typical submission requirements will include a description of operations, revenue, prior incidents, and information security practices (e.g., firewalls, backups, MFA where used). The program can underwrite first-time buyers as well as renewal placements; appetite and pricing will reflect sector, revenue, and controls in place. Minimum premium: $625. Higher limits, complex accounts, or accounts with material prior incidents may require additional underwriting detail and higher premiums. Territories and Availability This program is available in the following states: FL, GA, IL, IN, IA, MO. Availability may vary by carrier and risk characteristics, so please submit details early for confirmation. Why Work With IPMG on Privacy & Breach Risks Market access: IPMG places these risks with carriers that specialize in privacy and cyber exposures. Flexibility: options for standalone cyber/privacy coverage or packaged solutions to address multimedia, extortion and business interruption. Responsiveness: tailored submissions and underwriting guidance to help you place accounts that might otherwise be hard to bind. Example Account Scenarios A regional dental practice that stores patient records electronically and wants breach response, regulatory defense, and business interruption coverage. An independent CPA firm that handles tax returns for hundreds of clients and requires privacy liability and cyber extortion protection. Contact IPMG for a quote and to discuss the best market placement for your client’s exposure. Provide revenue, a summary of data handled, security controls, and any prior cyber incidents to expedite review. Frequently Asked Questions What types of accounts are a good fit for IPMG’s Privacy Protection and Data Breach program?Accounts that handle customer or client data, payment information, or proprietary business information — especially small to mid-size professional services firms, retailers, restaurants, education providers, and healthcare practitioners — are a good fit. IPMG can also consider other industries with similar exposures. What coverage components can I expect to place through this program?The program can provide privacy protection, data breach response costs, multimedia liability, cyber business interruption, hacker damage, and cyber extortion. Limits are available up to $10M depending on the carrier and risk. What are the typical underwriting requirements?Underwriters typically ask for a description of operations, annual revenue, details on the types of data stored or processed, security controls (e.g., backups, firewalls, MFA), and history of prior incidents. More complex risks may require additional documentation. Are there state restrictions or minimum premiums?The program is available in FL, GA, IL, IN, IA and MO. The stated minimum premium is $625; actual premium depends on class, revenue, limits, and underwriting factors. Need help placing an account? Connect with a market specialist.

...ogram designed specifically for educational institutions. The Amwins School In...

Overview of the Schools Insurance Program from Cochrane & Company Cochrane & Company offers a targeted Schools Insurance program designed for independent agents and brokers who need a flexible market for private and specialized schools. This program helps you place liability, property, crime and supplemental coverages for institutions such as private K–12 schools, vocational and technical schools, tutoring centers and other learning operations. Underwriting and policy forms are structured to address the unique exposures schools face — from student injury and teacher errors to property and equipment breakdown. Ideal Accounts and Appetite The program is a strong fit for: Private elementary schools Junior high/middle schools High schools Private technical schools Trade schools Vocational schools that offer curriculums that are specialized and lead to job-specific certification Learning centers Tutoring operations Charter schools in business five or more years will be considered Typical accounts include owner-operated private schools, specialty trade and certification programs, and small- to mid-size campus operations. The program generally prefers operations with defined student supervision policies, reasonable building code compliance, and established hiring/screening practices for staff. Coverage Highlights and Advantages Commercial General Liability and related liability protections are structured for school exposures and educator risks: Primary Limits up to $3,000,000 Occurrence/Aggregate Errors and Omissions Coverage Part for Teachers $5,000 Medical Payments Coverage - Included Sexual and Physical Abuse Coverage - Included $25,000 Per Claim/$50,000 Aggregate Excess or Umbrella Limits up to $25,000,000 No deductible required Property coverages can be tailored to the school’s needs: Building Business Personal Property Business Income Basic, Broad, or Special Form Replacement Cost or Actual Cash Value Equipment Breakdown Food Spoilage Accounts Receivable Electronic Data Processing Outside Signs Valuable Papers Crime coverages are available for both inside and outside premises loss exposures: Inside the Premises * Theft of Money and Securities * Robbery or Safe Burglary of Other Property Outside the Premises Underwriting Notes and Minimum Premiums This program is administered by Cochrane & Company as an MGA. Carrier availability varies by account; minimum premiums and final terms are account-specific. Agents should be prepared to provide standard school underwriting information including enrollment numbers, staff counts, facility construction and protection details, student supervision procedures, and any incident history. Note: admitted status is not listed (No States); consult Cochrane underwriting for placement options and filing status in a particular state. Territories and Availability The Schools Insurance program is available in the following states: AK, CA, ID, MT, NV, NM, ND, OR, UT, WA, WY. If you have accounts near these states or multi-state operations, speak with underwriting about eligibility and scope of coverage. Why Work With Cochrane & Company on Schools Insurance Cochrane & Company positions this program to give agents a market that understands school-specific exposures and offers flexible limits and built-in educator protections. Strengths include access to higher primary limits, built-in abuse coverage, teacher E&O options, and broad property forms with equipment breakdown and valuable papers coverage. The underwriting team works with agents to structure layered liability and excess placements when larger limits are needed. Example Accounts That Fit the Program Example 1: A private day school with 350 students, modern sprinklered buildings, background-checked staff and a modest after-school program seeking GL with teacher E&O and $1M/$2M limits. Example 2: A vocational training center providing certificate programs with specialized equipment that needs building, BPP, EDP and equipment breakdown coverage on a special form basis plus crime protection. Frequently Asked Questions What types of school operations are a good fit for this program?The program is best for private K–12 schools, trade and technical schools, vocational programs that lead to certification, tutoring centers and established charter schools (typically five+ years in business). Each account is evaluated for student supervision, staff screening and physical protection. What liability limits and educator protections are available?Primary liability limits are available up to $3,000,000 occurrence/aggregate with excess/umbrella capacity up to $25,000,000. The program includes teacher Errors & Omissions and built-in sexual and physical abuse coverage with sublimits noted on the policy. Are property and equipment breakdown coverages included?Yes. Property options include building, business personal property, business income and forms from basic to special. Equipment breakdown and electronic data processing coverages are available and can be added to protect specialized school equipment. How do I submit an account and what underwriting information is required?Submit a completed application and loss history. Underwriters typically request enrollment and staff counts, facility construction and fire protection details, student supervision policies, vendor contracts, and background check procedures. Minimum premiums and final terms vary by account. Need help placing an account? Connect with a market specialist.

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