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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.

... bookkeeping and small business consulting seeking a combined E&O and discipli...

...nt options. Ideal risks include consulting firms, marketing agencies, law offi... of accounts are a good fit for this workers compensation program?Professional services b...

... • Aerospace Products Liability • Workers’ Compensation for flight operations, MROs, and c...

McGowan Excess & Casualty General Contractors Umbrella Insurance Overview The McGowan Companies offers General Contractors Umbrella Insurance through its McGowan Excess & Casualty program to help agents place excess/umbrella capacity for commercial general contractors. This program provides standalone commercial umbrella liability and follow-form excess liability, with lead umbrella limits starting at $1 million and capacity available up to $100 million. Coverage is underwritten by a variety of carriers and is available in most states. Ideal Accounts and Appetite This program targets commercial general contractors and GC operations for mid-size to large projects. Typical classes we can consider include: Office buildings Schools and educational facilities Post offices and government facilities Nursing homes and assisted care facilities Shopping centers and retail developments Accounts with established loss control practices, disciplined subcontractor management, and lead umbrella placements from admitted or non-admitted carriers are preferred. Heavy civil, mining, oil & gas well sites, and specialty subcontractor-only operations are generally outside the appetite unless specifically negotiated. Coverage Highlights Products: Commercial Umbrella Liability and Follow-Form Excess Liability. Umbrella Limits: Lead umbrella placements from $1M (capacity available up to $100M). Excess Layers: Ability to write excess layers over lead umbrellas from $1M to $100M. Required Underlying Rating: A- / VII (exceptions may be made for employers’ liability carriers where appropriate). Carriers: Varies by submission—The McGowan Companies places with multiple facultative and treaty markets to secure capacity. Underwriting Notes Underwriters review account-level exposures such as payroll and contract values by operation, subcontractor usage, safety programs, and loss history. Typical information that speeds placement includes current primary and umbrella policies, five years of loss runs, a description of current operations and project types, and contractor payroll or project values by trade. The program can place follow-form excess layers over existing lead umbrellas subject to carrier approval. Territories and Admitted Status Availability: Most Available States. The program is available in the following jurisdictions: 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. Some placements may be admitted or non-admitted depending on the carrier and state rules; please consult underwriting on a per-submission basis. Example Accounts You have a regional general contractor building a new office campus with a $10M project value and a $1M lead umbrella—this program can provide follow-form excess layers up to higher limits to align with contract requirements. You represent a developer GC for multiple school renovation projects seeking $5M–$20M aggregate umbrella capacity where consolidated excess placement and coordinated terms reduce gaps in coverage. Why Place This Business With The McGowan Companies Managing general underwriter with a construction-focused excess and casualty practice. Access to multiple carriers and the ability to assemble layered capacity up to $100M. Flexible placement—standalone umbrella or follow-form excess options to match primary program structure. Underwriting experience in commercial GC classes and willingness to consider reasonable exceptions for underlying employers’ liability carriers. Submission Tips To expedite evaluation, include complete primary and umbrella policy forms, five years of loss runs, description of operations by trade, payroll and contract values, and any risk control/safety documentation. If seeking excess layers over an existing lead umbrella, provide the lead umbrella policy and information on the lead carrier. Frequently Asked Questions What types of general contractors are a good fit for this program?Commercial general contractors working on office buildings, schools, nursing homes, post offices, shopping centers and similar projects are the primary targets. Accounts with formal safety programs, controlled subcontractor use, and stable loss history fit best. What limits and layering options are available?Lead umbrella limits start at $1M with capacity available up to $100M. The program can also write excess layers over existing lead umbrellas ranging from $1M to $100M, subject to underwriting and carrier approval. Are there minimum underlying carrier requirements?Yes. The typical required underlying rating is A- / VII. Underwriters may consider exceptions for employers’ liability carriers on a case-by-case basis—discuss exceptions with McGowan Excess & Casualty underwriters at submission. Which states is this program available in?The program is available in most states (see the list on the program page). Admitted vs. non-admitted placement depends on the carrier selected and state regulations; confirm availability with underwriting for the specific jurisdiction. Need help placing an account? Connect with a market specialist.

Workers Compensation Insurance for Printing ...new ventures are eligible under this Workers Compensation program from U.S. Risk Insuranc...

Enhanced Miscellaneous Professional Liability Program NEW Lower minimum premiums NEW Expanded eligibility to over 300 classes of Professional Liability, including: Target Classes Include: Technology Risks Independent or Public Adjusters Home Inspectors Real Estate Appraisers Property Managers Employment/Staffing Agencies Event Planners Funeral Directors / Morticians Graphic Designers Payroll Service Providers Landscape Architects ...and many more. Call for details! Program Overview from U.S. Risk Insurance Group U.S. Risk Insurance Group, Inc. offers a flexible Miscellaneous Professional Liability program designed for agents and brokers placing service-based professionals whose exposures fall outside standard industry programs. With recent expansion to more than 300 eligible classes and more competitive entry pricing, this program helps you secure tailored errors & omissions protection for non-traditional professionals and small firms. Ideal Accounts and Appetite This program targets small- to mid-sized professional service firms across a broad mix of classes. It is a good fit when your client provides professional advice, reporting, inspection, placement, or administrative services to third parties and needs E&O protection. Typical accounts include consultants, home inspectors, adjusters, real estate appraisers, staffing agencies, event planners, and creative professionals such as graphic designers. Example placements: A sole-practitioner home inspector seeking a primary professional liability policy with modest deductible and flexible limits. A regional staffing agency that needs coverage for placement errors and payroll-administration services across multiple client industries. Coverage Highlights and Advantages Option to structure defense costs outside the policy limit Personal injury coverage included when tied to professional services Contingent bodily injury and property damage coverage available Limits available up to $5 million per claim and in the aggregate Deductibles starting as low as $1,000 Underwriting Notes and Minimum Premiums Minimum premiums now start at $1,000, improving accessibility for smaller firms and startups. U.S. Risk underwrites with an emphasis on class-specific exposures and will consider accounts that may be difficult to place through standard carriers. Required submission materials vary by class — include completed applications, recent loss runs, and any applicable service agreements for faster review. Most markets are offered non-admitted, with access to multiple carrier partners. Territories and Availability This Miscellaneous Professional Liability program is available in most U.S. states, including 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, and WY. Availability and admitted/non-admitted options may vary by state and class. Why Work With U.S. Risk Insurance Group? U.S. Risk acts as a program administrator with deep experience in niche professional liability markets. They provide responsive underwriting, access to multiple carrier appetite options, and program structures designed for hard-to-place risks. Working with U.S. Risk gives you flexible policy features and service-oriented placement support when standard markets are limited. Frequently Asked Questions What types of accounts are a good fit for this program?This program is well suited for a wide range of service professionals, including consultants, home inspectors, adjusters, appraisers, staffing agencies, and many creative or administrative service providers. What is the minimum premium for this program?The minimum premium starts at $1,000, making it a competitive option for smaller and emerging businesses. Are defense costs included within the policy limits?Defense costs can be structured outside the policy limit if selected, which helps preserve limits for indemnity exposure. Is this program available in my state?The program is available in most U.S. states. State-specific availability and admitted versus non-admitted options depend on class and carrier. What limits and deductibles are available?Coverage limits are available up to $5 million per claim and in the aggregate, with deductibles starting as low as $1,000. Need help placing an account? Connect with a market specialist.

...pectors and small environmental consulting firms commonly face on construction...on teams, and larger environmental consulting operations. The program accommod...

Hard to Place Bank Insurance — U.S. Risk Insurance Group, Inc. Send your hard-to-place bank submission to our team and let U.S. Risk Insurance Group, Inc. take it to the entire marketplace to quote. We place accounts in all markets — domestic, standard and London — and provide personalized consultation on every submission so agents can place their difficult financial institution risks with confidence. Overview of the Program U.S. Risk Financial Services (www.usriskfinancialservices.com), based in Nashville, Tennessee, is an excess & surplus lines broker with a long history of serving the financial and lender services industries. Our team is led by Executive VP Mike Hogan and staffed by underwriters and placement specialists who focus on banks, credit unions, mortgage lenders and related institutions. We work the full marketplace — admitted and non-admitted — to find solutions for accounts that need broader capacity, specialty terms, or London market capacity. Ideal Accounts and Appetite This program is designed for financial institutions that have difficulty placing coverage with standard markets. Typical accounts that fit include: Community banks and regional banks with complex management or operational exposures Midsize mortgage lenders and specialty finance companies with prior claims or regulatory matters Institutions seeking standalone cyber, crime or fiduciary limits beyond admitted market appetite Banks requiring lender liability or bankers professional coverage with specific endorsements Accounts with straightforward operations, clean claims histories and routine limits are still best placed in admitted markets; this program targets the harder-to-place scenarios where tailored terms, broader wording or non-admitted capacity are needed. Coverage Highlights and Advantages Direct access to multiple markets — domestic, standard and Lloyd’s/London — through a single point of contact. Wide coverage options: Directors & Officers (D&O), Employment Practices Liability (EPLI), Cyber Liability, Fiduciary, Bankers Professional, Computer Crime, Lender Liability and Financial Institution Bond. Personalized consultation on strategy and policy structure for each account, including layered placements and follow-form excess. Experience placing accounts with regulatory exposures, complex claim histories, or specialty cyber and crime exposures common to financial firms. Underwriting Notes and Placement Process To expedite quoting, provide a complete submission: current policy forms and limits, loss run history (preferably five years), financial statements (or most recent call report), management resumes, and a summary of any claims or regulatory matters. We will review eligibility, recommend target markets, and advise on terms or risk-mitigation steps that improve placement prospects. We place business on both admitted and non-admitted bases depending on the client’s needs and market availability. Because we work broad markets, we can often obtain capacity where admitted markets cannot. Turnaround time depends on complexity; straightforward risks can receive indications quickly, while complex placements may require market canvass. Territories and Availability Available in: 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. We can consider business nationwide and in multiple market structures. Admitted status: All Available Markets — we will seek admitted or non-admitted placement as appropriate for the account and state regulatory conditions. Why Work With U.S. Risk on Hard-to-Place Bank Business Specialized financial institution practice with decades of experience placing bank, lender and financial services risks. Access to a wide range of carriers and London market capacity through an E&S brokerage platform. Hands-on consultation for underwriting strategy, policy structure and market selection led by seasoned professionals. A collaborative approach for brokers: we partner with you to present the submission, negotiate terms, and secure placement. Example Scenarios That Fit This Program You have a regional bank with a recent cyber incident and regulatory inquiry seeking higher cyber limits and tailored breach response wording — we can access carriers that will consider layered cyber and crime limits. An independent mortgage lender with prior lender liability claims needs a D&O/EPLI package with specialized exclusions removed — we canvass London and specialty markets for appetite and terms. For submission guidance, send a complete package and our underwriting team will provide targeted market strategy and next steps. Frequently Asked Questions What types of bank accounts are a good fit for this program?Hard-to-place community or regional banks, mortgage lenders, and specialty financial institutions with prior claims, regulatory matters, or needs for expanded cyber/crime or excess limits are a good fit. Routine, low-exposure accounts are usually best placed in admitted markets. Which coverages can U.S. Risk quote through this program?We can quote D&O, EPLI, Cyber Liability, Fiduciary, Bankers Professional, Computer Crime, Lender Liability and Financial Institution Bond across domestic, standard and London markets. What submission materials does the underwriting team need?Provide current policies and limits, loss runs (preferably five years), recent financial statements or call reports, management resumes, and a summary of claims or regulatory issues. Complete files speed the quoting process. Is this program admitted or non-admitted?U.S. Risk will seek placement in admitted or non-admitted markets as appropriate. We have access to both and will recommend the best market structure for the account and state regulatory environment. Need help placing an account? Connect with a market specialist.

For more than 30 years, U.S. Risk Insurance Group, Inc. has been a trusted leader in professional liability solutions. As a Managing General Agency and Excess & Surplus Lines Broker, we offer a comprehensive Employment Practices Liability Insurance (EPLI) program that helps your clients manage the full range of employment-related exposures. With in-house underwriting and claims handling plus access to top-rated carriers, we deliver tailored EPLI placement options for businesses of varying size and complexity across multiple industries. Ideal Accounts and Appetite This EPLI program fits a broad mix of small and mid-sized employers. We offer a dedicated Small EPLI Program for employers with 25 or fewer employees, and expanded options for larger organizations. Target accounts include privately held companies, nonprofits, and many professional service providers seeking cost-effective yet robust protection for employment-related claims. Coverage Highlights and Advantages Standard Employment Practices Program Highlights: Limits available up to $2 million Deductibles from $1,000 Duty to defend and pay-on-behalf-of provisions Includes punitive damages coverage where permitted Broad definition of “wrongful acts” — discrimination, harassment (sexual and non-sexual), wrongful termination, negligent hiring/supervision, and more Third-party coverage options Full prior acts coverage, even if no prior EPLI policy was in force Free workplace helpline providing unlimited access to employment law and HR advice Small EPLI Program Highlights (25 or fewer employees): Placement through an “A”-rated carrier Slot-rated structure with minimum premiums as low as $750 Deductibles starting at $1,000 Pay-on-behalf-of and duty to defend wording Third-party coverage available for most classes Triple aggregate deductible option for accounts with minimal claim history Defense outside the limits options Broad wrongful-acts language, including punitive damages where insurable No FLSA exclusion We will accept other carriers’ applications for binding when required information is provided Free workplace helpline included Underwriting Notes and Minimum Premiums U.S. Risk offers competitive pricing and flexible underwriting for small and mid-sized employers. The Small EPLI Program is slot-rated, with minimum premiums starting around $750, and deductibles beginning at $1,000. We evaluate accounts based on industry, employee counts, prior loss activity, HR practices, and any pending employment claims. Clean claim histories and strong HR protocols may qualify for favorable terms. Territories and Availability This EPLI program is available in most U.S. states. We currently write in the following jurisdictions: 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. Most placements can be handled on an admitted or non-admitted basis depending on state regulations and carrier appetite. Why Work With U.S. Risk Insurance Group? U.S. Risk combines deep EPLI underwriting expertise, in-house claims handling, and strong carrier relationships to help agents place employment practices liability with confidence. Our team provides fast, responsive service, flexible policy options, and value-add services such as an included workplace helpline. Whether you have a small business client needing a straightforward policy or a larger employer with complex exposures, we can help you find an appropriate solution. Frequently Asked Questions What types of accounts are a good fit for this EPLI program?This program is ideal for small to mid-sized private companies, nonprofits, and professional service providers — including employers with up to 25 employees through the Small EPLI Program and larger employers through our standard offering. Does the program include third-party coverage?Yes. Third-party coverage is available under both the standard and small EPLI programs for most classes of business. Are prior acts covered if the insured has not had prior EPLI coverage?Yes. Full prior acts coverage is available even if the insured did not have prior EPLI in force. Can I submit another carrier’s application for binding?Yes. U.S. Risk will accept applications from other carriers for binding provided all required information is submitted. Is there a resource for insureds to get HR or legal advice?Yes. A free workplace helpline is included with the policy, offering insureds unlimited access to employment attorneys for consultation and HR support. Need help placing an account? Connect with a market specialist.