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

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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.

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.

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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.

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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.

Quick Contract Bid, Payment and Performance Bond J.M. Wilson Corp. offers a Quick Contract Bid, Payment and Performance Bond program designed for small and newer contractors who need fast, reliable surety capacity. These quick-turn bonds are underwritten primarily on the applicant's credit and require minimal paperwork so you can obtain bid, payment and performance bonds quickly—typically when a prompt response is essential to secure a job. Coverages: Quick Contract Bonds (single-job performance and payment) Quick Bid Bonds to satisfy bid requirements Quick Payment & Performance Bond packages Alternative "Easy" or simplified bond options for smaller accounts Advantages: Fast quote and placement turnaround — new account submissions typically receive a response within 24–48 hours Competitive pricing within industry standards for small contractors Minimal underwriting paperwork when credit meets program requirements Ability to review and accept applications originally placed with other surety companies Access to J.M. Wilson surety markets that are "A" rated Quick Contract Bonds are intended for contractors who need bonding lines up to $350,000 per job with a $700,000 aggregate bonding line. These bonds are well suited to smaller projects and businesses that have fairly clean credit histories and need a fast solution for bid submission or to meet contract bonding requirements. Overview of the Program from J.M. Wilson Corp. This program is offered by J.M. Wilson Corp., a Managing General Agency and Excess & Surplus Lines broker with access to both admitted and non-admitted surety markets. The product is tailored to agents who need a quick surety option for clients that do not yet qualify for larger, more traditional bonding facilities. Ideal Accounts and Appetite - Small general contractors, subcontractors, and specialty trades with limited bonding histories - Newer firms that can demonstrate responsible credit and financial stability - Projects where single-job bonding needs do not exceed the program limits (up to $350,000 per job; $700,000 aggregate) Accounts that typically do not fit: contractors with significant adverse credit, ongoing claims or litigation, or complex multi-year contracts requiring large aggregate capacity. Coverage Highlights and When to Use This Program Use J.M. Wilson’s Quick Contract program when you need: A fast bid bond to meet a tight bidding deadline Payment and performance bonds for smaller public or private contracts A simplified underwriting path based primarily on credit rather than extensive financial histories Underwriting Notes and Minimum Premium Underwriting focuses on applicant credit; applicants should have fairly clean credit reports. Required items for submission generally include a completed application and a signed indemnity agreement. J.M. Wilson can also review applications previously submitted to other surety companies. Minimum premium and final terms vary by carrier and state—minimum premium: Varies. Territories and Availability Available in: AL, AK, GA, IL, IN, IA, KS, KY, ME, MI, MN, MS, MO, MT, NE, NH, NY, NC, ND, OH, OK, PA, SC, SD, TN, VT, VA, WV, WI, WY. Availability is subject to carrier approval and admitted vs. non-admitted market rules in each state. The program includes some admitted markets and non-admitted options depending on the state and risk profile. Why Work with J.M. Wilson Corp. on This Business As an MGA and E&S broker, J.M. Wilson provides agents with access to multiple A-rated surety markets and a streamlined underwriting process tailored for smaller accounts. The firm emphasizes quick turnaround, competitive pricing within industry standards, and flexible underwriting that can evaluate submissions previously placed with other sureties. This makes the program a practical solution when an insured needs bonding quickly to bid or secure smaller contracts. Example Scenarios - You have a client who is a small paving contractor bidding a municipal job valued at $200,000 and needs a bid bond within 48 hours. - A new roofing subcontractor wins a $60,000 private contract and requires a performance and payment bond but lacks an extensive bonding history. What is needed to get started: a completed application and a signed indemnity agreement. For more information on submission requirements or to discuss a specific account, contact J.M. Wilson Corp. — we look forward to working with you. Frequently Asked Questions What types of accounts are a good fit for the Quick Contract Bond program?Small or newer contractors with fairly clean credit who need bid, payment or performance bonds for single jobs up to $350,000 (with a $700,000 aggregate line). Ideal for trades and subcontractors with limited bonding histories. How fast can I expect a quote or decision on a submission?J.M. Wilson typically responds to new account submissions within 24–48 hours, assuming required documentation (application and signed indemnity) is provided promptly. What documentation is required to submit an account?At minimum, a completed bond application and a signed indemnity agreement. Additional information may be requested depending on the applicant’s credit and the size of the bond request. Are these bonds admitted or non-admitted?J.M. Wilson represents a mix of admitted and non-admitted carriers. Availability depends on the state and the specific surety market; some markets are admitted while others are non-admitted. Need help placing an account? Connect with a market specialist.

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