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Fairs bring communities together for entert...am?This program fits county and state fairs, agricultural shows, exhibitions, ...

FLSA (Fair Labor Standards Act) Wage and Hour Sub Limit Brown & Riding provides access to multiple markets that can include an FLSA (Fair Labor Standards Act) Wage and Hour sublimit endorsement as part of an Employment Practices Liability (EPL) policy. This enhancement helps protect your clients from wage-and-hour exposure arising from alleged FLSA violations—examples include unpaid overtime, improper overtime calculations, or misclassification of employees. Ideal Accounts and Appetite This program targets businesses with meaningful wage-and-hour risk—especially those with large hourly workforces, multiple locations, or complicated payroll practices. Preferred industries include hospitality and restaurants, retail, healthcare, manufacturing, distribution and logistics, and other sectors with high turnover or mix of exempt and non-exempt staff. Typical fits: multi-unit restaurant groups, regional distribution warehouses, retail chains, and healthcare facilities with substantial hourly staff. Each account is evaluated individually based on location, operations, payroll complexity, prior wage-and-hour history, and existing risk controls. Coverage Highlights and Advantages - FLSA Wage and Hour sublimits available up to $250,000, subject to carrier and underwriting approval - Offered as an endorsement alongside EPL coverage - Access to multiple carriers through Brown & Riding’s wholesale and E&S relationships - Option to submit using your client’s existing EPL application or Brown & Riding’s streamlined short-form for faster review Underwriting Notes and Minimum Premiums Sublimit availability and limits vary by carrier and depend on underwriting factors. Minimum premium for adding this sublimit starts at $900. Underwriters will consider industry, payroll size, employee mix, claims history, and the insured’s payroll controls and policies. Territories and Availability Brown & Riding places this coverage in most states. Available states include: AL, AK, AR, CO, CT, DE, HI, ID, IN, IA, KS, KY, LA, ME, MD, MA, 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. Note that carrier appetite and state-specific restrictions may apply in certain jurisdictions. Why Work With Brown & Riding Brown & Riding is a seasoned general agency and E&S broker with experience placing complex EPL and wage-and-hour risk. We combine broad market access with responsive underwriting and practical placement options so you can secure tailored terms for clients with elevated FLSA exposure. To submit an account or discuss eligibility, contact Lisa Rodriguez at (206) 816-6725 or [email protected]. Frequently Asked Questions What types of accounts are a good fit for this program?Businesses with hourly employees, large workforces, or high turnover—such as restaurants, retailers, distributors, and healthcare facilities—are ideal candidates. Can I submit an existing EPL application for this coverage?Yes. Brown & Riding can use your client’s completed EPL application or provide a short-form application for convenience and faster turnaround. What is the highest available sublimit for FLSA Wage and Hour coverage?The maximum sublimit offered is typically $250,000, depending on the carrier and underwriting review. Is this coverage available in my state?This program is available in most states. Brown & Riding places business in 48 states and the District of Columbia, but availability and terms vary by carrier and jurisdiction. What factors influence underwriting approval?Underwriters focus on industry, location, size and makeup of the workforce, payroll practices, prior wage-and-hour claims, and the insured’s risk management controls. Need help placing an account? Connect with a market specialist.

...include: City festivals and street fairs Art and craft festivals Flower and cu..., cultural and music events, seasonal fairs, and food or craft festivals of va...

Employment Practices Liability (EPL) for Companies Under 100 Full-Time Equivalent Employees Brown & Riding offers a targeted Employment Practices Liability (EPL) insurance solution designed specifically for companies with fewer than 100 full-time equivalent employees. With access to over 20 markets and a flexible underwriting approach, we help agents and brokers place EPL coverage for a wide range of private businesses across most states. Ideal Accounts and Appetite This program is ideal for small to mid-sized private companies that may not have dedicated HR or legal departments but still face significant exposure to employment-related risks. We are particularly interested in accounts from industries such as: Professional services Retail and hospitality Light manufacturing Healthcare practices Nonprofits and social services You might have a client who runs a regional retail chain or a growing tech startup—both could be strong fits for this program if they employ fewer than 100 full-time equivalent staff. Coverage Highlights and Advantages We can work with applications already completed by your insured or you can use our short-form EPL application to speed up the process. Our market access allows us to pursue valuable enhancements, including: FLSA (Fair Labor Standards Act) Sub-Limit options Additional Defense Cost coverage Third Party EPL coverage for claims involving customers, vendors, or other non-employees We aim to structure the coverage based on each insured’s specific exposures and risk tolerance. Underwriting Notes and Minimum Premiums This program typically starts at a minimum premium of $900, making it accessible for smaller organizations. Our underwriting team is flexible and responsive, and we can tailor quotes based on current underwriting trends and your client’s unique situation. Send completed applications or questions directly to Lisa Rodriguez at (206) 816-6725 or [email protected]. Territories and Availability We offer this EPL solution on a non-admitted basis in most states, including but not limited to: CA, TX, FL, NY, WA, NJ, and IL. The program is available in over 45 states and the District of Columbia, providing wide geographic access for your clients. Why Work With Brown & Riding As a nationally recognized general agency and E&S broker, Brown & Riding brings deep expertise and strong carrier relationships to help you navigate EPL placements with confidence. Our team understands the nuances of employment liability exposures and can facilitate coverage even for harder-to-place or niche businesses. Frequently Asked Questions What types of accounts are a good fit for this program?This program is best suited for private companies with under 100 full-time equivalent employees, including professional services firms, healthcare providers, nonprofits, and light manufacturing operations. Can I submit my client’s existing EPL application?Yes, we accept existing completed EPL applications or you can use our simplified short-form application to expedite processing. What coverage enhancements are available?Optional enhancements may include FLSA Sub-Limits, Additional Defense Costs, and Third Party EPL coverage, depending on underwriting approval. Is the program available in my state?The program is available in most states, including AL, CA, FL, NY, TX, WA, and many others. Contact us to confirm availability in your client’s state. What is the minimum premium for this EPL program?The minimum premium typically starts at $900, depending on the risk and selected coverages. Need help placing an account? Connect with a market specialist.

...Receptions • Banquets • Auctions • Fairs and Festivals • Golf Tournaments • In...d Parades • Trade Shows and Booths at Fairs/Shows • Fireworks and Amusement Ri...

... Nights Tournaments Street Fairs Many More... Overview of the S... available for outdoor events such as fairs, festivals, concerts, and sporting...

Employment Practices Liability Insurance from Russell Bond & Co., Inc. Employment Practices Liability Insurance (EPLI) protects businesses from claims tied to hiring, employment practices, and workplace conduct. At Russell Bond & Co., Inc., we give independent agents and brokers access to a comprehensive EPLI program through both in-house and brokerage markets. With deep market relationships and experienced underwriters, we help you place coverage that addresses today’s most common employment-related risks. Why Your Clients Need EPLI Employment-related suits are increasingly common and often expensive to defend. Key industry indicators agents should know: • Over 40% of EPLI claims are filed against companies with fewer than 100 employees • 65% of companies that have never terminated an employee have still faced employment-related lawsuits • 3 out of 5 employers are sued by former employees Since 1991, wage-and-hour lawsuits have increased dramatically. Even employers with strong HR practices can face allegations of discrimination, harassment, retaliation, or wrongful termination. EPLI helps your clients manage defense costs and indemnity exposure when employment claims arise. Coverage Highlights and Features Russell Bond’s EPLI program is designed for today’s exposures and provides market-responsive features agents can offer their clients: • Full prior acts coverage available for most risks • Fair Labor Standards Act (FLSA) — $100,000 sub-limit for defense costs • Risk management services — complimentary HR consultation and helpline access • Duty to Defend — the program provides defense for covered claims • Punitive damages coverage available in most jurisdictions • Defense costs outside the limit — additional protection beyond the retention Ideal Accounts and Appetite This program targets small to mid-sized employers across a range of industries. Ideal accounts typically include: Businesses with fewer than 100 employees (retail, hospitality, professional services, light manufacturing) Companies seeking FLSA defense capacity and HR risk-management support Clients that value access to specialist underwriting and broad market placement You might have a client who operates several retail locations with 40–75 employees concerned about overtime and discrimination claims, or a regional professional services firm seeking a non-admitted solution with HR support—both are a good fit for this program. Underwriting Considerations This EPLI program is written on a non-admitted basis, giving Russell Bond flexibility to structure terms and place complex or specialty risks. Underwriters evaluate exposures including workforce size, recent employment practices, claims history, HR policies, and payroll. Minimum premiums and exact terms vary by account and state—contact a Russell Bond underwriter to review eligibility and obtain specific pricing guidance. Available in Most States The program is available in nearly all U.S. jurisdictions, 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. Why Work with Russell Bond As a Managing General Agency, Russell Bond combines focused underwriting, broad market access, and hands-on service to help you place EPLI business efficiently. We maintain relationships with carriers rated by A.M. Best, deliver responsive risk-management services, and support agents through placement and policy servicing. Our Business Resource Center and HR helpline add tangible value for insureds and can help reduce claim frequency. Learn more about our Employment Practices Liability Insurance program or contact us today to discuss placements and eligibility. Frequently Asked Questions What types of accounts are a good fit for this EPLI program?Businesses with fewer than 100 employees in sectors such as retail, hospitality, professional services, and light manufacturing are strong candidates. Russell Bond can also consider larger risks depending on exposure and underwriting controls. Is this EPLI program admitted or non-admitted?This program is offered on a non-admitted basis, which provides flexibility in coverage forms and terms to address specialized or higher-exposure accounts. Does the policy include wage and hour coverage?Yes. The program includes a $100,000 sub-limit for defense costs related to Fair Labor Standards Act (FLSA) matters to help address wage-and-hour allegations. What value-added services are included with the policy?Policyholders receive complimentary risk management services, including access to HR consultation and a helpline to address employment issues before they escalate into claims. Which states is this program available in?The EPLI program is available in most U.S. states. Refer to the program territory list above or contact Russell Bond for state-specific availability and any recent changes. Need help placing an account? Connect with a market specialist.

Dwelling Insurance For MD, NC, and VA Overview of the Program From Agents Insurance Markets, Inc. Agents Insurance Markets, Inc. offers a flexible Dwelling Insurance program for properties in Maryland, North Carolina, and Virginia. Designed for independent agents and brokers, this program provides both comprehensive (DP-3) and basic (DP-1) dwelling forms with competitive pricing, broad eligibility, and responsive underwriting support. Whether a property is owner-occupied, rented, seasonal, or vacant (with endorsement), this program gives you options to place a wide range of residential risks. Ideal Accounts and Appetite This program accepts many dwelling types and ownership arrangements, including: Owner-occupied, seasonal, and rental properties 1–4 family dwellings, including townhomes and duplexes Properties owned by LLCs, trusts, or estates Homes with replacement values up to $500,000 Good fits include vacant dwellings (with the vacancy endorsement), short-term or occasional rentals, and older homes in fair to excellent condition. For example, you might have a client who inherited a vacant beach duplex held in a trust or an investor who needs coverage for a seasonal rental property — both are typical placements under this program. Coverage Highlights and Advantages DP-3 Special Form Broad, open-peril dwelling coverage with replacement cost settlement on the building Eligible properties: up to four-family units, built within the last 80 years, with roofs under 20 years old and in above-average to excellent condition Included coverages: reasonable repairs, other structures, loss of rent, collapse, debris removal, fire department charges, water/mold coverage, improvements and alterations, landscaping, vandalism, and more Optional endorsements: premises liability, personal property, burglary, short-term rental, and replacement cost on personal property DP-1 Basic Form Named-peril coverage with actual cash value settlement No age restriction; properties must be in fair or better condition Included coverages: reasonable repairs, other structures, loss of use, debris removal, and fire department service charge Optional endorsements: premises liability, personal property, burglary, vandalism & malicious mischief, and occasional rental Underwriting Notes and Program Features Maximum dwelling value: $500,000 Liability limits available up to $500,000 Vacancy permission endorsement available for qualified risks Accepts Protection Classes 1–10 Admitted availability in select states (program is admitted in some states) Rated A+ (Superior) by AM Best through American Modern Home Insurance Group Direct bill with optional payment plans and automatic renewal for eligible accounts Territories and Availability This dwelling program is available in Maryland, North Carolina, and Virginia. Coverage is offered on an admitted basis in selected territories — consult underwriting for state-specific availability and filing status. Why Work With Agents Insurance Markets, Inc.? As a Managing General Agency, Agents Insurance Markets, Inc. combines niche residential property expertise with hands-on underwriting to help independent agents place business that may be harder to place in standard markets. AIM provides access to a top-rated carrier (American Modern Home Insurance Group), flexible endorsement options, and underwriting guidance to help you structure submissions and identify the best form (DP-1 vs DP-3) for each risk. The program’s flexibility for seasonal, rental, and vacancy exposures makes it a useful solution for agents working with investors and nonstandard owner-occupied properties. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include owner-occupied, seasonal, or rental properties; 1–4 family homes; and dwellings held in LLCs, trusts, or estates located in MD, NC, and VA. Is coverage available for vacant properties?Yes. A vacancy permission endorsement is available for qualified dwellings, allowing you to place certain vacant homes that meet underwriting requirements. What are the key differences between the DP-1 and DP-3 forms?DP-1 provides named-peril coverage with actual cash value settlement and is suited for older or higher-risk homes. DP-3 is an open-peril form offering broader coverage and replacement cost settlement on the building for homes in better condition. Are townhomes and older homes eligible?Yes. Townhomes are eligible. Older homes may qualify under DP-1 (which has no age limit) provided they are in fair or better condition; DP-3 has age and roof requirements. Does this program support short-term and occasional rentals?Yes. Optional coverage is available for short-term and occasional rental exposures depending on the form selected and underwriting considerations. Need help placing an account? Connect with a market specialist.

...oan, in transit, or at exhibitions/fairs Depreciation coverage for value los...t and art displayed at exhibitions or fairs. Are there any special benefits fo...

...t and exhibition coverage for book fairs and signings Available endorsements...cover special events or off-site book fairs?Yes. Optional coverage for off-sit...