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Workers' Compensation Solution for the Trans...h contingent liability and corporate workers’ compensation components, all within one plac...

NEW, EXCLUSIVE Private D&O, Employment Practices, Fiduciary Program Coverage Options Available Directors and Officers and Entity Liability Insurance Employment Practices Liability Insurance Fiduciary Liability Insurance Comprehensive Management Liability Coverage From U.S. Risk U.S. Risk Insurance Group, Inc. offers an exclusive national program tailored for private companies seeking Directors and Officers (D&O), Employment Practices Liability Insurance (EPLI), and Fiduciary Liability protection. Designed for small to mid-sized private entities, this program helps address critical exposures that threaten leadership and operational stability—whether through litigation, regulatory scrutiny, or employment-related claims. Ideal Accounts and Program Appetite This program is best suited for financially stable private companies with: Total assets up to $100 million Up to 1,000 employees Minimum 3 years in business Strong HR and compliance practices Sound business models and solvency You might have a client who recently grew to 350 employees and is now navigating expanded fiduciary exposure or a family-owned manufacturer seeking protection for its board and officers. These are ideal candidates for this program. Coverage Highlights and Advantages Exclusive, nationwide program (including CA) Limits up to $5 million with shared or combined aggregate options Full Prior Acts coverage available in most cases Duty-to-defend policy form Third-party EPLI coverage included Worldwide coverage for acts occurring anywhere—claims must be brought in the U.S. or Canada Full Severability of Application and Fraud/Personal Profit exclusions Separate or combined limit structures available Spousal/Domestic Partner extension included Broad “Claim” definition including: Monetary and non-monetary relief Judicial, civil, administrative, and criminal proceedings Requests to toll the statute of limitations Broad “Loss” definition including punitive and exemplary damages (where insurable by law) Order of Payments provision Bilateral extended reporting periods: 1-, 2-, and 3-year options Optional coverages: Full worldwide territorial coverage Cyber-crisis management cost coverage Modified defense outside the limits available for select classes Underwriting Parameters and Minimum Premiums U.S. Risk evaluates each risk individually but maintains a flexible underwriting approach for qualifying private companies. The program offers low minimum premiums and competitive pricing structures, making it accessible for smaller firms with growing exposures. Territories and Carrier Access Available in most states across the U.S., including CA, TX, FL, NY, and many others. U.S. Risk works with a variety of carriers to provide broad market access and responsive solutions. Most markets are admitted, depending on the state and class of business. Why Partner With U.S. Risk As a national program administrator, U.S. Risk brings deep expertise in management liability lines and a commitment to agent success. With exclusive access to markets, tailored underwriting, and fast turnaround times, U.S. Risk is a trusted partner for agents placing private D&O, EPLI, and fiduciary risks. Frequently Asked Questions What types of accounts are a good fit for this program?Privately held companies with up to $100 million in assets and 1,000 employees, operating for at least 3 years and demonstrating strong HR practices, are ideal. Can I write D&O, EPLI, and Fiduciary coverage on a single policy?Yes, this program offers combined or separate limits for D&O, EPLI, and Fiduciary Liability, depending on the needs of your client. Is this program available in all states?The program is available in most U.S. states, including California, Texas, Florida, and New York. Contact U.S. Risk for specific state availability. Are there options for extended reporting periods?Yes, 1-, 2-, and 3-year bilateral extended reporting period (ERP) options are available to accommodate clients’ needs after policy expiration. What makes U.S. Risk’s program different from others?This is an exclusive national program with broad coverage terms, low minimum premiums, and access to multiple carriers—backed by U.S. Risk’s underwriting expertise. Need help placing an account? Connect with a market specialist.

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DealerGuard - Auto Dealer's Open Lot For over 30 years, DealerGuard from Amwins Underwriting has provided open-lot physical damage coverage tailored to franchised and large independent auto dealers, associations, and finance company floorplans. The program pairs targeted underwriting with consultative service, loss-control support, and nationally recognized claims administration to protect inventory parked on dealer lots. Sweet spot Franchised auto dealers or large independent auto dealers Low demo/employee ratio (<10%) Low loss ratio (<30% current year; <40% prior three years) 5+ years in operation (franchised); 3+ years in operation (independent) Eligible risks - Franchised automobile dealers. Typical operations include sales of new and used vehicles, with incidental maintenance, service, and repair. Minimum account premium is $10,000. - Dealer Open Lot coverage may be written in conjunction with Manufacturer and Floorplan coverage. Ineligible risks - Auto (daily or weekly) rental operations - Boat dealers Coverage highlights Dealer's Open Lot Available for “non-floored only” accounts when required. Inventory protection can be extended to motorcycle and bus dealers. Parametric Parametric hail coverage is available for dealers in high-weather-risk zones where traditional terms can be difficult to secure. Other coverages available (separate policies) - Pollution and Underground Storage Tank Services & claims - Loss control and consultative services - Claims management provided by a nationally recognized third-party administrator - Dedicated, client-focused service team Underwriting notes & minimums Amwins Underwriting operates this program as a non-admitted market focused on larger dealer accounts. The program’s minimum account premium is $10,000. Underwriters look for stable operations, clean loss histories, and strong on-lot controls. Typical requirements include a completed DealerGuard application and currently valued loss runs (current year plus four prior years). Submission requirements - Completed DealerGuard application - Currently valued loss runs (current plus four prior years) - Franchised dealers: page one of the most recent month-end financial statement for each franchise/dealership - Non-franchised dealers: detailed inventory listing for all vehicles Please send submissions to: [email protected] Territory & carrier Available in: AL, AK, AZ, CA, CT, DE, FL, GA, ID, IL, IN, KY, LA, ME, MD, MA, MI, MN, MS, MT, NV, NH, NJ, NM, NY, NC, ND, OH, OR, PA, RI, SC, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Carrier: Lexington. Program administered by Amwins Underwriting (MGA). Why place DealerGuard through Amwins Underwriting? Specialized underwriting for franchised and large independent dealers with decades of program experience. Integrated loss-control and claims services designed for large inventory exposures. Flexible options for non-floored risks, inventory types (including motorcycles and buses), and parametric solutions for hail-prone territories. Dedicated underwriting and service teams focused on dealer-floorplan and open-lot exposures. Example accounts that fit this program You represent a multi-franchise dealer group with consistent safety controls, a low demo-to-employee ratio, and a five-year operating history — ideal for DealerGuard placement. A large independent dealer with several satellite lots, clean loss runs, and a $12,000 account premium need — fits the program’s minimum and underwriting profile. When completing applications, please include the Date a Quote is Required and the Expiring and/or Target Premiums. Frequently Asked Questions What types of dealer accounts are a good fit for DealerGuard?DealerGuard is designed for franchised auto dealers and large independent dealers with stable operations, low demo/employee ratios, and strong loss histories. The program targets accounts with solid on-lot controls and multi-year operating experience. What are the submission and documentation requirements?Submit a completed DealerGuard application, currently valued loss runs (current plus four prior years), and financials or detailed inventory listings depending on whether the dealer is franchised or independent. Is there a minimum premium or territory restrictions?Yes. The program’s minimum account premium is $10,000. Coverage is available in the states listed above; confirm availability with underwriting for specific risks. Does the program handle claims and loss control?Yes. Amwins Underwriting pairs the DealerGuard program with loss control and consultative services and uses a nationally recognized third-party administrator for claims management. What is the parametric hail option and when is it used?The parametric offering provides a hail-triggered payout for dealers in high-weather-risk zones where traditional terms may be limited. It’s intended as an alternate solution for hail-prone portfolios. Need help placing an account? Connect with a market specialist.