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Overview — First Choice Insurance Intermediaries, Inc. Commercial Property Insurance First Choice Insurance Intermediaries, Inc. offers Commercial Property Insurance designed for independent agents and brokers who need reliable placement options for business property exposures. This program compensates a business when property used in operations is lost or damaged by common perils such as fire, theft, wind, or vandalism. Coverage applies to buildings and structures as well as “personal property” — office furnishings, inventory, raw materials, machinery, computers and other items critical to a business’s operations. Coverage highlights and advantages Commercial package capability: Available forms can include property, general liability, crime and business interruption. Endorsements are available to tailor the package to specific classes (for example, restaurants or florists). Broad property coverage: Building, business personal property, tenant improvements and betterments, and stock/inventory options where appropriate. Business interruption: Time-element coverage to protect income and help policyholders recover after a covered loss. Premium financing: Premium Financing Available. Deductible options: $500, $1,000 and up, depending on the carrier and account. Wholesale placement: First Choice acts as a wholesale broker, providing access to admitted and non-admitted markets appropriate to the risk. Ideal accounts and target classes This Commercial Property program is a strong fit for small- to mid-sized brick-and-mortar and light-industrial risks. Target classes include: Apartment: Owners of buildings used exclusively as apartment houses, including cooperatives. Building: Lessors of commercial buildings occupied by offices, mercantile and retail tenants. Business: Personal consumer services, light repair shops and printing businesses. Condominium: Owners of buildings used exclusively as condominiums. Contractors: Residential and specialty trade contractors (light exposure). Garage: Independently operated or franchised automotive service and repair businesses. Manufacturers: Small manufacturers of food products, leather, metal, paper, plastic, rubber, textiles and wood products. Professional Office: Medical, legal, financial and other professional service firms. Religious: Churches and houses of worship (excluding large affiliated educational institutions). Restaurant: Franchise, family and higher-end eateries (subject to cooking/hood suppression underwriting). Store: Brick-and-mortar retail operations. Technology / Technology Office: Manufacturers of electronics and firms providing computer and technology services. Wholesalers: Distributors of durable and non-durable goods. Underwriting notes and typical restrictions Preferred accounts are small to mid-sized businesses with straightforward property exposures and up-to-date loss control. Accounts with significant high-hazard operations, extensive flammable processing, severe code violations, or long-term vacant buildings may be declined or require placement in specialized markets. Cooking exposures (restaurants) and automotive operations (garages) will be underwritten for suppression systems, distance to exposures, and prior losses. Carriers in the program may impose minimum premiums, occupancy-specific endorsements, or higher deductibles for certain classes — confirm requirements at submission. Territories and admitted status Available in the following states: AL, CA, CO, CT, DE, FL, GA, IL, IN, KS, LA, MD, MA, MI, MO, NV, NJ, NM, NY, NC, OH, OR, PA, SC, TN, TX, VA, WA, WI. Admitted paper is available in some states; First Choice can also access non-admitted markets where necessary. Coverage availability and form depend on the carrier selected and state regulations. Why place this business with First Choice Insurance Intermediaries, Inc. As a wholesale broker, First Choice provides direct access to multiple markets and negotiates program forms and endorsements tailored to common small commercial risks. Underwriters focus on practical, class-specific solutions rather than one-size-fits-all forms, which helps place accounts that might otherwise be difficult at retail. Support for premium financing and package placements simplifies transactions for your insureds. Responsive underwriting and flexibility on endorsements for restaurants, technology firms, small manufacturing and retail make this a good fit for agents seeking competitive terms for typical commercial property risks. Example account scenarios You have a two-story retail building with occupied storefronts and a small stockroom — this program can combine building and business personal property limits with business interruption coverage. A local family-run restaurant with a hood suppression system and a solid loss history — the program can offer package property and liability options with restaurant endorsements. Frequently Asked Questions What types of accounts are a good fit for this Commercial Property program?Small- to mid-sized brick-and-mortar retailers, offices, restaurants, light manufacturers, wholesalers, garages and professional offices are ideal. The program targets straightforward property risks that benefit from a commercial package. Which states and paper types are available?The program is available in AL, CA, CO, CT, DE, FL, GA, IL, IN, KS, LA, MD, MA, MI, MO, NV, NJ, NM, NY, NC, OH, OR, PA, SC, TN, TX, VA, WA and WI. Admitted paper is available in some states; non-admitted placement is used where needed. Are premium financing and endorsements supported?Yes. Premium financing is available and a variety of class-specific endorsements can be added to tailor coverage for restaurants, contractors, technology firms and other targeted classes. What information should I include with a submission?Provide a current ACORD application, recent loss runs (5 years preferred), building and business personal property values, occupancy details, protection class or sprinkler info, and any risk control documentation (e.g., hood suppression inspection for restaurants). Need help placing an account? Connect with a market specialist.

Thank you for your interest in the NC Commercial Automobile Liability and Physical Damage program offered by Allstar Underwriters, a division of Allstar Financial Group. This program helps agents place commercial auto accounts throughout North Carolina with competitive terms and streamlined service. Overview of the Program From Allstar Underwriters Allstar Underwriters focuses on commercial transportation and auto-related risks. With access to multiple A-rated carriers and a flexible underwriting approach, we help agency partners secure coverage for a broad range of commercial auto operations. Whether you are placing a single-vehicle owner-operator or a small fleet, our underwriters provide fast quotes and hands-on support to get accounts bound quickly. Ideal Accounts and Appetite We currently write business in North Carolina and are interested in a variety of commercial auto classes, including: Contractors with light- to medium-duty trucks and vans Artisan trades such as electricians, plumbers, and HVAC professionals Local delivery services and couriers Small fleet accounts with solid loss histories Owner-operators and small business fleets needing physical damage and liability coverage You might have a client who runs a small HVAC company with three service vans or a bakery that makes daily local deliveries—both are examples of accounts this program can often support. Coverage Highlights and Advantages - Premium financing available - Liability limits up to $1,000,000 - Physical damage coverage options - A-rated carriers - 12% commission on new business - Easy online quoting system Our carrier partners offer strong financial stability and competitive pricing, allowing you to present reliable options to insureds. Premium financing helps clients manage cash flow while securing the coverage they need. The online quoting system speeds placement and reduces back-and-forth. Underwriting Notes and Minimum Premiums Minimum premiums vary by class, vehicle type, and driving radius. To improve turnaround and accuracy, submit a complete application plus motor vehicle reports (MVRs) and loss runs when available. Our underwriters will review exposure details and work with you to find the best admitted or non-admitted market for each risk. Territories and Availability This program is currently available in North Carolina. Depending on the class and carrier, some accounts may be placed on admitted paper; for unique or harder-to-place risks we also access non-admitted markets to provide broader solutions. Why Work With Allstar Underwriters As a Managing General Underwriter, Allstar Underwriters gives you a single point of contact to multiple commercial auto markets. Our team is experienced, responsive, and focused on helping agencies win and retain transportation business. We combine niche underwriting expertise with a user-friendly online submission and quoting platform so you can move quickly in a competitive market. Frequently Asked Questions What types of accounts are a good fit for this program?We are a good fit for small to mid-sized commercial auto risks such as contractors, local delivery operations, and artisan trades with light- to medium-duty vehicles. Is this program admitted or non-admitted?We have access to both admitted and non-admitted carriers, depending on the specific risk and underwriting needs in North Carolina. What documents are needed to submit an account?Submit a completed application, MVRs, and loss runs when available. Providing these upfront speeds underwriting and improves quote accuracy. Is premium financing available for insureds?Yes, premium financing is available to help insureds manage payments over time. Can I quote online?Yes, we offer an easy-to-use online system for quoting to make placement faster and more efficient. Need help placing an account? Connect with a market specialist.

Caitlin Morgan Insurance Services offers a robust Captive Insurance Solutions program tailored for agents and brokers seeking alternative risk financing options for their clients. As a trusted Managing General Agency and Excess & Surplus Lines Broker, Caitlin Morgan brings deep expertise in captive and rent-a-captive structures to help businesses gain more control over their insurance programs, manage risk more effectively, and reduce long-term insurance costs. Overview of the Program From Caitlin Morgan Insurance The Captive Insurance Solutions program is designed to support organizations looking for greater flexibility and more direct involvement in their insurance operations. Whether your client is seeking to stabilize costs, access reinsurance markets, or participate in underwriting profits, Caitlin Morgan provides turnkey solutions that are customized to meet unique risk profiles and financial objectives. With access to various carriers and reinsurance partners, Caitlin Morgan supports a range of captive models, including single-parent, group, and rent-a-captive programs. Their bundled services approach simplifies implementation and ongoing management, making captive strategies more accessible for a broader range of businesses. Ideal Accounts and Appetite This program is an excellent fit for mid-sized to large businesses with consistent loss histories and a proactive approach to risk management. Target industries include, but are not limited to: Healthcare facilities and senior living organizations Construction and real estate Manufacturing and distribution Educational institutions and nonprofits Transportation and logistics You might have a client with a strong safety program and predictable claims who is frustrated with fluctuating premiums—this captive solution can help them take more control of their insurance spend. Coverage Highlights and Advantages Key benefits include: Greater input and control over claims handling and risk management Lower net cost of insurance over time Flexible program design tailored to specific risk profiles Direct access to the reinsurance marketplace Opportunity to participate in underwriting and investment results Comprehensive, one-stop bundled services approach These advantages help insureds align their insurance program with long-term business objectives while gaining transparency and stability in pricing. Underwriting Notes and Minimum Premiums Each captive arrangement is customized, and underwriting is based on a detailed review of the insured’s loss history, financials, and operational practices. While there is no universal minimum premium listed, Caitlin Morgan typically works with accounts that are large enough to benefit from the economies of a captive model. Agents should be prepared to provide detailed submission data to determine fit. Territories and Availability This program is available in all U.S. states, including DC. Whether your client is based in California, Texas, New York, or anywhere in between, Caitlin Morgan can assist in structuring a compliant and effective captive solution. Why Work With Caitlin Morgan Insurance Services With decades of experience in alternative risk financing, Caitlin Morgan Insurance Services offers the knowledge, carrier access, and service infrastructure needed to support complex captive arrangements. Their team of specialists works closely with agents and brokers to craft tailored solutions that meet your clients’ operational and financial needs. From initial feasibility analysis to implementation and ongoing management, Caitlin Morgan is your partner in developing successful captive insurance strategies. Captive Solutions Contact: Chris Murray P: (800)723-7475, Ext. 233 [email protected] Frequently Asked Questions What types of accounts are a good fit for this program?Businesses with predictable loss experience, strong risk management practices, and a desire for long-term insurance cost control are ideal candidates. Target industries include healthcare, manufacturing, transportation, and construction. What captive structures does Caitlin Morgan support?Caitlin Morgan supports single-parent captives, group captives, and rent-a-captive arrangements, depending on the client’s size, risk profile, and goals. How can a captive help lower insurance costs?Captives can reduce net insurance costs by allowing insureds to retain profitable underwriting results, access reinsurance markets, and better manage claims and loss control strategies. Can Caitlin Morgan help with captive feasibility studies?Yes, Caitlin Morgan offers a turnkey approach that includes feasibility analysis, program design, and implementation services to ensure the right fit for your client. Is this program available nationwide?Yes, Caitlin Morgan’s Captive Insurance Solutions are available in all U.S. states, including the District of Columbia. Need help placing an account? Connect with a market specialist.

Commercial Umbrella Liability Insurance Program from First Choice Insurance Intermediaries, Inc. First Choice Insurance Intermediaries, Inc. offers a robust Commercial Umbrella Liability Insurance program designed to help agents and brokers protect their commercial clients against catastrophic liability losses. This program provides excess limits over the insured’s primary liability policies, including general liability, auto liability, and employer’s liability. It also helps close gaps and exclusions that may exist in the underlying coverage. Ideal Accounts and Appetite This program is well-suited for a wide range of commercial clients who require higher liability limits or who operate with elevated risk exposures. Ideal accounts include, but are not limited to: Contractors and construction firms with multiple job sites Retail businesses with significant foot traffic Distributors and manufacturers with product liability concerns Transportation and logistics companies needing excess auto liability Hospitality businesses such as restaurants or event venues with liquor liability exposures If you have a client with a growing operation or a high public exposure, this umbrella product can provide the additional peace of mind they need to operate confidently. Coverage Highlights and Advantages The commercial umbrella policy from First Choice can provide: Worldwide coverage Personal injury protection Blanket contractual liability for both written and oral contracts Care, custody, and control coverage Non-owned aircraft and watercraft liability Advertisers and liquor liability XCU (explosion, collapse, underground) liability Extensions of coverage to additional insureds This policy is designed to pick up where primary policies leave off, offering critical protection in high-severity loss scenarios. The umbrella can also respond when certain exclusions in primary policies might otherwise leave the insured exposed. Underwriting Notes and Deductibles The program requires underlying primary third-party liability coverage to be in place. Deductibles apply based on the underlying policy terms and limits. Premium financing is available, making this program an accessible option for a wide range of clients. While there is no fixed minimum premium listed, the program is structured to be competitive and flexible depending on the risk profile. Contact First Choice for underwriting requirements on specific accounts. Territories and Market Access First Choice Insurance Intermediaries, Inc. offers access to this program in the following states: AL, CA, CO, CT, DE, FL, GA, IL, IN, KS, LA, MD, MA, MI, MO, NV, NJ, NM, NY, NC, OH, OR, PA, SC, TN, TX, VA, WA, and WI. Coverage is available in both admitted and non-admitted markets depending on the risk and jurisdiction, allowing flexibility to meet diverse client needs. Why Work With First Choice Insurance Intermediaries, Inc.? As a wholesale broker, First Choice brings deep market access and underwriting expertise to help you place challenging or high-limit liability accounts. Their umbrella liability product is designed for flexibility, with broad coverage and support for a wide range of industries. Whether your client operates nationally or regionally, First Choice can help you secure the protection they need to safeguard their business against large-scale liability exposures. Frequently Asked Questions What types of accounts are a good fit for this Commercial Umbrella program?This program is ideal for contractors, manufacturers, distributors, transportation firms, retailers, and hospitality businesses with significant liability exposures or the need for higher coverage limits. What underlying coverages are required?Insureds must carry primary liability policies such as general liability, auto liability, and employer’s liability. These serve as the foundation for the umbrella policy to provide excess coverage. Is premium financing available?Yes, premium financing is available to help make coverage more accessible for your clients. Is this coverage available in admitted markets?Some markets within this program are admitted, while others are non-admitted. Availability depends on the state and the nature of the risk. In which states is this program available?This Commercial Umbrella program is offered in AL, CA, CO, CT, DE, FL, GA, IL, IN, KS, LA, MD, MA, MI, MO, NV, NJ, NM, NY, NC, OH, OR, PA, SC, TN, TX, VA, WA, and WI. Need help placing an account? Connect with a market specialist.

Employment Practices Liability Insurance Program from First Choice Insurance Intermediaries, Inc. First Choice Insurance Intermediaries, Inc. offers a focused Employment Practices Liability Insurance (EPLI) program to help agents place coverage for clients facing the growing risk of employee-related lawsuits. As a wholesale broker with access to multiple markets, First Choice can offer flexible solutions—either stand-alone EPLI policies or endorsements to a Business Owners Policy (BOP)—depending on carrier appetite and the insured’s needs. Ideal Accounts and Appetite This program is aimed at small to mid-sized employers across a variety of industries, particularly accounts that have recently increased headcount or are adding managers and supervisors. Target classes include: Professional offices (law, accounting, consulting) Retail businesses Light manufacturing and distribution Healthcare and social service providers Hospitality and food service operations You might have a client who just expanded from a sole proprietor to a 15–50 employee shop, or a restaurant that added seasonal managers—both are ideal times to introduce EPLI protection. Coverage Highlights and Advantages EPLI under this program protects insureds against a broad range of employee-related claims, including: Sexual harassment Discrimination Wrongful termination Breach of employment contract Negligent evaluation Failure to employ or promote Wrongful discipline Deprivation of career opportunity Infliction of emotional distress Mismanagement of employee benefit plans Policies typically provide defense costs coverage even if the employer is not found liable—an important benefit since defense expenses can be substantial. Standard exclusions often include punitive damages, civil or criminal fines, and matters covered by workers’ compensation or other specific policies. Underwriting Notes and Deductibles Submit applications 30–45 days before the current policy expiration to allow for proper market placement. Deductibles normally follow the package deductible when EPLI is written as part of a package; minimums for stand-alone EPLI generally start at $1,000. Premiums are determined by business class, number of employees, prior EPLI claims, and the presence of employment practices policies (handbooks, training, investigation procedures). Premium financing is available to help insureds manage cost. High-severity loss history, ongoing employment litigation, or industries with regulatory exposure may face more limited market options or require higher retentions. Territories and Availability This EPLI program is available in the following states: AL, CA, CO, CT, DE, FL, GA, IL, IN, KS, LA, MD, MA, MI, MO, NV, NJ, NM, NY, NC, OH, OR, PA, SC, TN, TX, VA, WA, and WI. Admitted coverage is available in select jurisdictions—contact First Choice for admitted/non-admitted availability by state and for any state-specific requirements. Why Work With First Choice Insurance Intermediaries, Inc.? First Choice specializes in connecting agents with multiple EPLI markets and underwriting partners, which helps you find competitive terms for a broad range of small to mid-sized employers. Their wholesale broker model focuses on fast placement, underwriting collaboration, and tailoring solutions to each client’s exposure profile. Whether your client is hiring supervisors for the first time, has a prior employment claim on file, or simply wants to reduce litigation risk, First Choice can help you secure appropriate limits, terms, and endorsements. Frequently Asked Questions What types of accounts are a good fit for this EPLI program?Small to mid-sized businesses in professional services, retail, healthcare, hospitality, and light manufacturing are strong candidates—especially when they have employees or plan to expand their workforce. Can EPLI be written as a stand-alone policy?Yes. Depending on carrier availability and the risk profile, EPLI can be placed as a stand-alone policy or issued as an endorsement to a BOP. Are legal defense costs covered even if the employer is not found liable?Yes. Policies in this program typically cover legal defense costs regardless of the outcome, which can help protect clients from sizable defense expenses on meritless or marginal claims. What information is needed to submit an application?Submit applications 30–45 days before policy expiration. Typical requirements include business details, number of employees, prior EPLI claims, copies of employment manuals or policies, and information about training and investigation procedures. Is premium financing available for this program?Yes. Premium financing is available to help insureds manage the cost of coverage. Need help placing an account? Connect with a market specialist.

Contractors General Liability Program from Atlas General Insurance Services Contractors face a broad mix of on-site and off-site risks—job site injuries, damage to client property, and exposures arising from subcontractors. Atlas General Insurance Services offers a Contractors General Liability program designed to help you protect contractor clients from costly third-party claims. The program is built to serve small artisan trades through large general contractors working on commercial projects, with flexible terms to match diverse operations. Ideal Accounts and Target Industries This program works for both commercial and residential contractors involved in new construction, remodeling, repair, and service work. Atlas underwrites a wide appetite across more than 90 class codes. Typical accounts include: General contractors (commercial and residential) Artisan contractors (plumbers, electricians, painters, carpenters, etc.) Contractors that use subcontractors heavily — up to 100% subcontracted work accepted Representative eligible classes: Concrete construction Electrical work (within building) Excavation and grading HVAC and plumbing (residential and commercial) Roofing, painting, masonry Tree trimming, landscaping, janitorial services Furniture/fixture installation, drywall Coverage Highlights and Program Features Atlas General’s Contractors General Liability program provides broad liability protection and contractor-specific endorsements that simplify risk placement and satisfy contract obligations. Key features include: Limits: Up to $1,000,000 per occurrence and $2,000,000 general aggregate Included endorsements: Blanket additional insured Primary & non-contributory wording Waiver of subrogation CG 20 37 for completed operations on 100% commercial projects Flexible payment: Financing options with 15% down payment available The program is offered on a non-admitted basis through A.M. Best A Rated (Excellent) carriers, which allows greater flexibility when placing nonstandard or higher-risk contractor accounts. Underwriting Guidelines and Minimum Premiums Atlas balances broad appetite with pragmatic underwriting. Minimum premiums start at: $500 for artisan contractors $1,250 for general contractors (including accounts with up to 100% subcontracted work) Program parameters (typical maximums): Commercial general contractors — up to $45 million in annual receipts Residential general contractors — up to $15 million in annual receipts and $3 million per project Artisan contractors — up to $10 million in annual sales, $2 million in payroll, and up to 15 employees Underwriting is risk-based: contractors with solid safety programs, clear subcontractor controls, and stable loss histories are more likely to qualify. Accounts with heavy habitational exposures, high frequency losses, or excluded class operations may require additional scrutiny or decline. Territories and Availability This Contractors General Liability program is available in the following states: AL, AR, CT, FL, GA, HI, ID, IL, IN, KS, KY, MD, ME, MI, MO, MS, NC, ND, NE, NH, NJ, NV, OH, OK, SC, SD, TN, TX, VT, WA, WI, and DC. Availability can vary by class and risk characteristics — confirm with Atlas underwriting for state-specific requirements. Why Work With Atlas General Insurance Services Atlas General is a specialized general agency focused on placing contractor liability across a wide class mix. Agents benefit from: Direct access to non-admitted capacity with A.M. Best A Rated carriers Contractor-friendly forms (blanket AI, primary & non-contributory, waiver of subrogation) Competitive minimums and financing to help write smaller accounts Underwriters experienced in contractor exposures and subcontractor programs Example scenarios that fit well: You have a mid-sized commercial GC with $12M annual receipts seeking completed operations coverage and primary additional insured wording for owner/GC contracts. You have a small HVAC contractor with modest payroll and a clean loss run that needs a straightforward $1M/$2M policy with waiver of subrogation and financing. For account placement, Atlas provides prompt underwriting decisions and tailored endorsements to meet contractual demands—helping you close business faster and with the coverage your clients need. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for general and artisan contractors involved in commercial or residential construction, repair, or service work—with flexible options for subcontracted work and varied annual revenues. Are new ventures or smaller contractors eligible?Yes. The program accommodates small to mid-sized artisan contractors, including new ventures, provided they meet underwriting criteria. Is the program admitted or non-admitted?This Contractors General Liability program is offered on a non-admitted basis through A.M. Best A Rated (Excellent) carriers. What are the minimum premium requirements?Minimum premiums start at $500 for artisan contractors and $1,250 for general contractors. What states is this program available in?The program is available in over 30 states including TX, FL, GA, NC, and more. Please refer to the full list above for complete availability. Need help placing an account? Connect with a market specialist.

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MISCELLANEOUS PROFESSIONAL LIABILITY INSURANCE For NC and VA Agents Insurance Markets, Inc. (AIM) offers a flexible, competitively priced Miscellaneous Professional Liability (MPL) program for independent agents and brokers placing risks in North Carolina, Virginia, and Washington, D.C. This program is designed to help you place hard-to-cover or non-standard professional liability exposures across a broad range of classes. AIM leverages experienced underwriting and access to select carrier partners to provide tailored solutions and responsive service for miscellaneous professional risks. Ideal Accounts and Appetite AIM underwrites more than 100 professional classes, giving you the flexibility to place both common and niche service providers. The program is intended for businesses that provide professional services but do not fit traditional E&O categories (for example, physicians or attorneys). Sample Eligible Classes Include: Advertising agencies Auctioneers (non-real estate) Background check and screening services Caterers and event planners Claims adjusters Computer programmers and IT consultants Dog obedience schools and pet groomers Notaries and tax preparers Photographers, tutors, and travel agents Speech therapists and bookkeepers Typical fit: small to mid-size professional service firms, independent consultants, freelancers, and specialty providers whose exposures involve alleged errors, omissions, negligent advice or misrepresentation. Accounts with routine professional services, modest revenue, and limited professional staff generally work best. Classes with high regulatory or malpractice exposure (licensed medical or legal practices) are typically outside this appetite. Example scenarios you might place: a freelance graphic designer seeking protection for alleged copyright or design errors, or a small background-screening firm that needs coverage for data-handling or reporting mistakes. Coverage Highlights and Advantages The MPL program provides broad, customizable protection suited to diverse professional exposures. Key features include: Claims-made and reported policy form Available as a stand-alone Miscellaneous Professional Liability policy or packaged with General Liability and Property Bilateral extended reporting period options Package policy options for streamlined administration Duty to defend wording and personal injury coverage Optional enhancements (class-dependent), such as: First dollar defense Claims expenses outside the limit Punitive damages where insurable Copyright infringement coverage for select classes These features help insureds manage risks arising from alleged negligent acts, errors, omissions, or breaches of professional duty in the delivery of their services. Underwriting Notes and Minimum Premiums All submissions are individually underwritten and evaluated by class, revenue, employee counts, prior claims history, and exposure profile. AIM places accounts with varying carriers depending on class and risk characteristics. The program can accommodate both start-ups and established firms; terms, limits, and minimum premiums will depend on the specific class and underwriting factors. Provide complete submissions to help speed quote turnaround. Territories and Availability This MPL program is available in: North Carolina (NC) Virginia (VA) Washington, D.C. (DC) Policies are written on a non-admitted basis through select carriers. Availability and carrier placement vary by class and risk profile. Why Work With Agents Insurance Markets, Inc.? AIM is a Managing General Agency focused on placing specialty professional liability risks that can be difficult to place in admitted markets. You get access to underwriting expertise, a broad appetite for miscellaneous classes, and carrier relationships that are often not available directly to retail agents. AIM emphasizes responsive service—fast quotes, clear underwriting guidance, and practical policy options—so you can close business and retain clients. Whether you’re submitting a first-time policyholder or an established business seeking better terms, AIM can help you secure tailored MPL coverage. Need help placing an account? Connect with a market specialist. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for professionals who provide services but are not covered under traditional E&O policies—such as event planners, computer consultants, notaries, and pet groomers. Can this policy be packaged with other coverages?Yes. You can combine Miscellaneous Professional Liability with General Liability and Property under one policy for convenience and broader protection where appropriate. Is this program available in admitted markets?No. This MPL program is written on a non-admitted basis through a variety of carriers depending on class and coverage needs. Do you offer coverage for start-ups or newly formed businesses?Yes. AIM can consider new ventures and start-ups, subject to underwriting. Minimum premium and terms will vary by class and risk factors. How quickly can I get a quote?AIM prides itself on responsive service. Once you submit a completed application and supporting information, most quotes can be provided within a few business days. Need help placing an account? Connect with a market specialist.

Personal Lines Insurance For MD, NC, and VA Representing the following companies: American Modern Home American Modern Insurance Group is rated A+ (Superior) by A.M. Best and has been recognized for more than a decade by the Ward Group as one of the Top 50 property and casualty insurers in the U.S. AIM has partnered with AMIG for more than 20 years, giving agents reliable access to admitted, stable personal-lines solutions across Maryland and Virginia. Hudson Insurance Group – Personal Umbrella Coverage – Rated A (Excellent) by A.M. Best Lexington Insurance Company – Dwelling and Homeowners Coverage – Rated A (Excellent) by A.M. Best Overview of the Program From AIM Agents Insurance Markets, Inc. (AIM) offers a focused personal lines program for independent agents and brokers writing business in Maryland, North Carolina, and Virginia. The program combines admitted and non-admitted carrier options to help you place a wide range of residential and recreational property risks, including hard-to-place accounts and non-standard exposures. Ideal Accounts and Appetite This program is tailored for agents working with: Primary, seasonal, rental, and vacant dwellings (DP-1 & DP-3) Manufactured homes, including coastal and secondary-site units Personal umbrella risks, including those with youthful or otherwise challenging drivers HO-3, HO-4, and HO-6 policies requiring higher liability limits Recreational vehicles such as RVs, motorcycles, and watercraft Example fits: a client who needs a short-term vacant policy on a rental in Maryland, or an owner of a manufactured home on the Virginia coast requiring replacement-cost options and mechanical breakdown coverage. Coverage Highlights and Advantages American Modern Insurance Group (Admitted): DP-1 and DP-3 forms for owner-occupied, seasonal, rental, and vacant properties No minimum earned premium on vacant policies Short-term vacant options (3, 6, or 12 months) Liability limits up to $500,000 Manufactured home replacement-cost coverage for homes 15 years old or newer Mechanical breakdown enhancement available for manufactured homes Direct billing and multiple payment plans Hudson Insurance Group (Non-Admitted): Personal umbrella limits from $1M to $10M Eligibility for youthful drivers and other non-standard exposures Agency-bill option available Availability in Virginia and North Carolina Lexington Insurance Company (Non-Admitted): HO-3 with a $300,000 minimum Coverage A HO-4, HO-6, and DP-3 options for higher-value or unusual risks Excess flood and vacant-dwelling coverage available Liability limits up to $500,000 Underwriting Notes and Placement Flexibility AIM supports both agency-bill and direct-bill methods, and premium financing is available on select non-admitted policies. Vacant dwellings can be bound for short terms and prorated on cancellation. The program is equipped to handle both standard and non-standard risks — including challenging property conditions, coastal exposures, and drivers with difficult records — but underwriters will review each account for state-specific eligibility and limits. Territories and Availability This personal lines program is offered in Maryland, North Carolina, and Virginia. Admitted vs. non-admitted availability varies by carrier and state; agents should contact AIM for state-specific filing details and to confirm which carrier is best for a given risk. Why Work With AIM? As a Managing General Agency with long-standing carrier relationships, AIM delivers experienced underwriting, fast placement for specialty risks, and responsive service for agents. Our multi-carrier access — including long-term partnerships with American Modern and relationships with specialty markets like Hudson and Lexington — helps you place accounts that may not fit standard markets while keeping admitted options where available. If you need help placing a difficult personal-lines account in MD, NC, or VA, AIM provides the market access and underwriting flexibility agents need to get business bound and serviced efficiently. Frequently Asked Questions What types of accounts are a good fit for this personal lines program?This program is ideal for primary, seasonal, rental, and vacant dwellings, manufactured homes (including coastal risks), personal umbrella policies, and recreational vehicles. Are admitted options available through this program?Yes. Admitted options are available in many cases through carriers like American Modern (particularly in MD and VA). Non-admitted carriers provide solutions for harder-to-place or higher-limit needs. Can I write short-term policies for vacant properties?Yes. Vacant dwellings can be written for 3-, 6-, or 12-month terms, with prorated cancellation available when needed. Which states is this program available in?The program is offered in Maryland, North Carolina, and Virginia. Availability by carrier and form may vary by state. What carriers are included in this program?Agents can access American Modern Insurance Group, Hudson Insurance Group, and Lexington Insurance Company, among other specialty markets, depending on the risk. Need help placing an account? Connect with a market specialist.