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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.

Artisan Contractors Workers Compensation Insurance — U.S. Risk Insurance Group, Inc. U.S. Risk Insurance Group partners with an A-rated carrier to offer a focused, competitively priced workers compensation market for artisan contractors. This program is designed for independent agents and brokers who need an admitted solution with flexible payment options, online servicing, and underwriting that understands trade contractors and small commercial operations. Overview of the Program This program provides guaranteed-cost policies and dividend plan options (available in FL). Key servicing features include online loss runs and responsive wholesale underwriting through U.S. Risk Insurance Group. The product is geared toward small-to-mid premium artisan contractors who require admitted paper and straightforward policy administration. Ideal Accounts and Appetite Small to medium-sized artisan contractors and trade contractors (e.g., carpenters, painters, electricians, plumbers, HVAC service techs) with predictable, controllable exposures. New ventures are eligible — the program will consider start-ups with appropriate underwriting information. Accounts coming out of PEO arrangements are eligible; PEO carve-outs are supported with required documentation. 24-hour shift work is eligible when it is the only exposure beyond standard operations. Coverage Highlights and Advantages Admitted coverage in the listed territories; placement through an A-rated carrier provides claims handling on an admitted basis where available. Product offerings include guaranteed cost policies and dividend plans (Florida only), giving options for agents looking to balance price and loss-sensitive programs. Online loss runs support quick quoting and underwriting referrals. Flexible payment options: direct bill or monthly self-reporting with a non-working payroll deposit. Underwriting Notes and Restrictions Underwriters look for clear, manageable risk profiles. Primary underwriting guidelines include: $2,000 minimum premium (no stated maximum). Group transportation limited to a maximum of five employees per vehicle. Height and underground work restrictions: no more than 20 feet / two stories above ground and no more than 6 feet below ground. Lapses in coverage must be referred to underwriting for review. No maximum experience modification — submissions with higher mods will be considered case-by-case. PEO carve-outs are available but require loss history, a signed PEO/client contract and amendment, and a labor endorsement. Ineligible exposures: domestic staffing, aviation operations, federal coverage, accounts with active tax liens or bankruptcies. Payment Plans Direct bill Monthly self-reporting with a non-working deposit Territories and Availability The program is available in the following states and territories: AL, AK, AZ, AR, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, OR, PA, RI, SD, TN, TX, UT, VT, VA, DC, WV, WI. Note: CA and OK are listed as limited/incidental or cannot be the governing state for the policy. Example Accounts That Fit You might have a small electrical contractor with three crews, steady payroll, and no history of regulatory or financial encumbrances — good candidate for a guaranteed-cost policy. A painting contractor in Florida with stable payroll and low loss frequency could benefit from the dividend plan option available in that state. Why Place This Business With U.S. Risk Insurance Group U.S. Risk provides wholesale distribution and program administration expertise focused on trade and artisan classes. The combination of admitted capacity, targeted underwriting, and practical servicing tools (online loss runs, monthly reporting) helps you place accounts that need admitted protection without unnecessary friction. Underwriters are experienced with PEO transitions and carve-outs, and the program accepts new ventures — giving you more options for clients who may not fit standard retail markets. Frequently Asked Questions What types of artisan contractors are a good fit for this program?Trades such as carpentry, painting, plumbing, HVAC service, electrical, and similar small-to-mid sized contractor operations with controllable field exposures are primary targets. New ventures and businesses exiting PEOs are eligible with proper documentation. What documentation is required for PEO carve-outs?For PEO carve-outs you must provide complete loss history, a signed PEO/client contract and amendment, and the labor endorsement. Underwriting will review prior payroll and claim history before acceptance. Are there height or excavation limits?Yes. The program restricts exposures to no more than 20 feet (or two stories) above ground and no more than 6 feet below ground. Submissions exceeding those limits should be referred to underwriting but may be ineligible. Which states is this program available in, and are CA or OK allowed?The program is available in the listed states (AL, AK, AZ, AR, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, OR, PA, RI, SD, TN, TX, UT, VT, VA, DC, WV, WI). California and Oklahoma are limited/incidental or cannot be the governing state. What is the minimum premium and available payment options?Minimum premium is $2,000. Payment options include direct bill or monthly self-reporting with a non-working payroll deposit; underwriting can explain program-specific billing mechanics on submission. Need help placing an account? Connect with a market specialist.

Overview — Restaurants Workers Compensation Insurance from U.S. Risk Insurance Group, Inc. U.S. Risk Insurance Group, Inc. offers a dedicated Restaurants Workers Compensation Insurance program designed for independent agents who place restaurant risks of all sizes. This program pairs experienced underwriting with A-rated carriers, loss control tools and focused claims handling to help control frequency and severity for restaurant employers — from single-location family restaurants to multi-state franchise operations. Ideal accounts and target classes This program is built for a broad range of restaurant operations. Typical targets include: Franchise restaurants and multi-unit owners Fine dining and upscale establishments Family-style and casual dining restaurants Lodging restaurants and hotel food & beverage outlets Taverns, bars and brewpubs Catering operations (on- and off-site) The appetite includes both single- and multi-location risks and can accommodate new ventures and complex staffing exposures. Coverage highlights and advantages Workers' compensation coverage tailored to restaurant-specific exposures (slips, cuts, burns, delivery exposures, etc.). Access to A-rated carriers with broad territorial reach to support multi-state placements. Loss control tools and resources aimed at kitchen safety, ergonomic improvements and alcohol-service risks. Claims handling coordinated with vendor partners to promote cost containment and return-to-work strategies. Flexibility to consider accounts with higher experience modification factors and multi-state payrolls. Underwriting notes and submission requirements Underwriters will consider a wide range of restaurant operations but do exclude certain high-risk classes such as quick-serve drive-through chains for delivery exposures (confirm on submission). Key underwriting points: New ventures and start-ups eligible — provide staff projections and safety plans when available. Multi-location and multi-state risks are eligible; scaled quoting available for larger accounts. Delivery operations are acceptable except for fast-food delivery-only models in some situations. Underwriters will review experience modification factors and can entertain higher mods with proper loss control plans. Standard submission items: Completed ACORD application Currently valued loss runs (typically 3–5 years) Mod worksheet and large account supplemental for risks expected to exceed $75,000 in annual premium Example accounts that fit well You have a 3-unit family-style restaurant with moderate payroll seeking better loss control resources and multi-state coverage — this program can provide consolidated placement with proactive claims services. A fine-dining single-location restaurant with seasonal staff and liquor exposure looking for A-rated carrier capacity and return-to-work programs to control claims cost. Territories and availability Available in the following states and territories: AL, AK, AZ, AR, 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, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, DC, WV, WI. Why place restaurant workers' comp with U.S. Risk Managing General Agency expertise that understands restaurant operations, payroll patterns and seasonal staffing. Access to admitted markets and A-rated carriers with national reach for multi-state owners. Practical loss control and claims strategies that help agents demonstrate value to clients by reducing total cost of risk. Streamlined underwriting for multi-unit accounts and tailored submissions for accounts with higher payroll or experience mods. If you represent multi-unit restaurant owners or operators with specialized exposures, discuss this program with your U.S. Risk underwriter to explore available capacity and loss control partnerships. Frequently Asked Questions What types of restaurant accounts are the best fit for this program?The program works well for franchise and multi-unit owners, fine dining, family-style restaurants, taverns/bars, lodging food & beverage outlets and catering operations. Delivery is eligible in many cases except for some fast-food delivery-only models. What submission materials does U.S. Risk require?Provide a completed ACORD application, currently valued loss runs (typically 3–5 years) and, for larger accounts, a mod worksheet and large account supplemental when annual premium is expected to exceed $75,000. Can U.S. Risk consider high experience modification factors?Yes — the program can entertain higher experience mods if the account demonstrates a plan for loss control, staffing stability, and proactive claims management. Is this program available for multi-state placements?Yes. U.S. Risk can place multi-location and multi-state restaurant accounts through A-rated carriers listed for the states shown in the storefront availability. Need help placing an account? Connect with a market specialist.

U.S. Risk Insurance Group, Inc. offers a specialized Workers Compensation program for businesses in the finance and insurance sectors. Placed through an A-rated carrier, the program combines competitive pricing, flexible payment options, and underwriting latitude tailored to the exposures common to accountants, financial advisors, insurance agencies and related professional service providers. Ideal Accounts and Appetite This program fits a broad range of finance and insurance operations: accounting and bookkeeping firms, tax preparers, financial planners and advisors, insurance agencies and brokers, and other back-office service providers. New ventures are accepted and there is no maximum experience modification factor, which allows you to place diverse client profiles. Example scenarios: a newly formed bookkeeping firm with five employees looking for admitted Workers Comp coverage; or a multi-location insurance brokerage seeking consistent, admitted coverage across several states. Coverage Highlights and Advantages Guaranted cost programs available Dividend plans available in Florida PEO carve-outs considered with proper documentation 24-hour shift exposure eligible when no other class exposures apply Online loss run access for easier policy servicing and renewal submissions Underwriting Notes and Minimum Premiums Minimum premium: $3,000 — no stated maximum Group transportation limited to five employees per vehicle Accounts with a lapse in coverage are acceptable but require underwriter review Height limitation: work no more than 20 feet or two stories above ground Underground work limited to six feet Insureds exiting PEOs are eligible with required documentation (loss history, signed contracts, labor endorsement) Not eligible: domestic services, aviation operations, federal act coverages, or accounts with outstanding tax liens or bankruptcy Payment Plan Options UPAY — pay-as-you-go model Direct bill Monthly self-reporting with a 5% non-working deposit Territories and Availability The program is available on an admitted basis in most states, including AL, AK, AZ, AR, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, OR, PA, RI, SD, TN, TX, UT, VT, VA, DC, WV, and WI. Coverage in California and Oklahoma is limited or incidental and cannot be the governing state for a policy. Why Work With U.S. Risk Insurance Group, Inc.? As a Managing General Agency, U.S. Risk provides underwriting expertise and market access that help agents place complex Workers Compensation risks for finance and insurance clients. The team emphasizes responsiveness, flexible underwriting, and admitted paper – valuable when your clients need regulatory certainty and stable coverage across multiple states. Whether placing a new firm, a client leaving a PEO, or a multi-location brokerage, U.S. Risk supports you with documentation guidance, online loss runs, and alternative payment options. Frequently Asked Questions What types of accounts are a good fit for this Workers Compensation program?Finance and insurance businesses such as accounting and bookkeeping firms, tax preparers, insurance agencies, and financial advisors are ideal. New ventures and firms exiting PEOs are also eligible when required documentation is provided. Is there a minimum premium requirement?Yes. The program has a minimum premium of $3,000. There is no published maximum premium limit. Can I place business for clients with prior coverage lapses?Yes. Accounts with a lapse in coverage can be submitted but will require underwriter review and approval. Are there any geographic limitations?The program is admitted and available in most states listed above. Coverage in California and Oklahoma is limited or incidental and cannot be the governing state. What documentation is needed for clients exiting a PEO?Provide the client’s loss history, a signed PEO/client contract, and a labor endorsement so the account can be considered for coverage. Need help placing an account? Connect with a market specialist.

U.S. Risk Insurance Group, Inc. offers a specialized Professional Services Workers Compensation Insurance program designed to support agents and brokers in placing business for a wide range of professional services clients. Through its UPA division and a partnership with an A-rated carrier, U.S. Risk provides access to competitive markets and flexible underwriting for a variety of scenarios, including new ventures and PEO carve-outs. Ideal Accounts and Appetite This program is tailored for professional services operations that need workers' compensation coverage with flexible underwriting and payment options. Ideal risks include consulting firms, marketing agencies, law offices, accounting firms, IT consultants, and other white-collar or light manual professional services. New ventures are eligible, making this a great solution for startups or businesses transitioning from a PEO arrangement. Example accounts that may be a good fit: A newly formed architectural firm in Texas with five employees. An established marketing agency in Florida exiting a PEO and needing standalone comp coverage. Coverage Highlights and Advantages U.S. Risk’s professional services workers compensation program offers: Admitted coverage in all available states. Guaranteed cost plans and dividend plans (available in Florida). Online access to loss runs for easier account management. Flexible payment options, including: UPAY-As-You-Go Direct bill Monthly self-reporting with a 5% non-working deposit Underwriting Notes and Minimum Premiums Minimum premium of $3,000; no maximum premium. New ventures welcome. Group transportation is limited to five employees per vehicle. Risks with lapse in coverage must be referred to underwriting. No maximum experience mod. Height/underground limits: up to 20 feet or 2 stories above ground, and no more than 6 feet below ground. PEO carve-outs accepted with required documentation (loss history, signed PEO/client contract and amendment, labor endorsement). 24-hour shift work is eligible (with no additional exposure). Ineligible risks include domestic workers, aviation, federal coverage, tax lien or bankruptcy situations. Territories and Availability This workers compensation program is available in the following states: AL, AK, AZ, AR, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, OR, PA, RI, SD, TN, TX, UT, VT, VA, DC, WV, WI. Coverage is limited, incidental, or cannot be the governing state for CA and OK. Why Work With U.S. Risk Insurance Group As a leading Managing General Agency (MGA), U.S. Risk brings deep expertise in niche markets and hard-to-place workers compensation risks. With access to A-rated carriers and a dedicated underwriting team, they offer responsive service and flexible solutions for agents and brokers nationwide. Whether you're working with new ventures or clients transitioning out of a PEO, U.S. Risk provides the tools and support to help you place business effectively and competitively. Frequently Asked Questions What types of accounts are a good fit for this workers compensation program?Professional services businesses such as consultants, law firms, marketing agencies, and IT companies are ideal candidates, especially those with limited manual exposure. Is this program available for new ventures?Yes, new ventures are eligible for coverage under this program, making it a strong option for startups and newly formed professional firms. Can clients coming out of a PEO be written through this program?Yes, PEO carve-outs are accepted. Required documents include a signed PEO/client agreement, an amendment, loss history, and a labor endorsement. What are the minimum and maximum premiums?The minimum premium is $3,000, and there is no set maximum premium. Are there any restrictions related to employee activities?Yes, group transportation is limited to five employees per vehicle, and height/underground work is restricted to 20 feet above and 6 feet below ground level. Need help placing an account? Connect with a market specialist.