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King Support Systems Insurance Services offers a flexible and responsive Dwelling Fire Insurance program tailored for properties throughout California. This non-admitted program is designed to help independent agents and brokers place challenging residential property risks quickly and efficiently. Program Type: Non-Admitted – Agency Bill Territory California only Service Highlights Same-day turnarounds for faster quoting and binding 10% commission Premium financing available Underwriting Guidelines Coverage limits from $150,000 to Unlimited Up to 4 prior losses acceptable Protection Class 9 and 10 eligible Builders Risk—Property & Liability included Vacant dwellings accepted Minimum 150 ft from brush Waterfront and older homes eligible Condominiums and renter-occupied properties Additional Coverages Personal Article Floater — Mono-line Personal Umbrella Second rental properties Dwelling Fire Insurance Frequently Asked Questions What types of accounts are a good fit for this Dwelling Fire Insurance program?This program is ideal for residential properties in California, including vacant homes, builder’s risk properties, dwellings with prior losses, waterfront homes, and older buildings. Condos and renter-occupied units are also eligible. Is there a restriction on how close a property can be to brush or wildfire zones?Yes, properties must be a minimum of 150 feet from brush to qualify for coverage under this program. Can agents submit risks with multiple prior losses?Yes, the program accepts risks with up to four prior losses, making it flexible for more challenging accounts. What turnaround time can I expect for quotes?King Support Systems Insurance Services offers same-day turnaround on most submissions, helping agents respond quickly to client needs. Is premium financing an option for my clients?Yes, premium financing is available, providing flexibility for your insureds when managing payment terms. Need help placing an account? Connect with a market specialist.

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.

...rses. Can clients finance their premium payments? Yes. P...

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.

Franchised Recreational Vehicle Dealers Insurance — Exclusive Program from PDP Group and SeaFire Insurance Services Since 1974, PDP Group has been a trusted provider of insurance solutions for the auto dealer community. We are proud to partner with SeaFire Insurance Services to offer an exclusive insurance program designed specifically for franchised recreational vehicle (RV) dealers. SeaFire brings over 100 years of combined underwriting experience in the auto and RV dealer marketplace, ensuring insight-driven risk selection and superior program administration. Overview of the Program This program is tailored to meet the unique needs of franchised RV dealerships, offering comprehensive coverage solutions that address the complex risks of selling, servicing, and financing RVs. As an appointed agent, you’ll gain access to a competitive market backed by knowledgeable underwriters and a streamlined process. PDP Group assists with pre-underwriting, agent training, and billing support to help you succeed. Ideal Accounts and Appetite The program is designed exclusively for franchised recreational vehicle dealers—ideal for agents with clients operating under major RV brand franchises and offering new unit sales, service, and financing. Examples of suitable accounts include: RV dealers with multiple locations in suburban or rural markets Franchised dealerships offering Class A, B, and C motorhomes, travel trailers, and fifth wheels Dealers with ancillary operations such as parts departments or service garages Non-franchised or independent dealers, buy-here-pay-here operations, or those with high loss ratios may not fit program criteria. Coverage Highlights and Advantages The program offers a broad range of commercial coverages to address RV dealer exposures, including: Garage Liability Garagekeepers Legal Liability Dealer’s Physical Damage Property and Business Interruption General Liability Crime and Inland Marine Additional advantages include: Access to experienced underwriters at SeaFire Direct bill capabilities for ease of payment and collections Training for new agents to ensure success with the program Underwriting Notes and Minimum Premiums PDP Group pre-underwrites eligible risks to streamline the submission process and improve turnaround times. The minimum premium starts at $20,000, making this program best suited for medium to large franchised RV dealerships. Territories and Availability The program is currently available in most states, including but not limited to: AL, AR, CA, CO, CT, DE, ID, IL, IN, KY, ME, MD, MI, MN, MS, MT, NE, NV, NH, NJ, NM, NY, NC, OR, PA, SC, TN, TX, UT, VT, VA, WI, and WY. Coming soon to New York and Washington! Why Work With PDP Group? PDP Group is a specialty insurance provider with decades of experience supporting the dealer and automotive sector. By partnering with SeaFire Insurance Services, we bring exclusive access to a program built on underwriting precision, dealer-specific knowledge, and responsive service. We help you from start to finish—facilitating appointments, pre-underwriting, and offering agent training and billing solutions. Contact us today to learn how to become an appointed agent and start placing business in this exclusive Franchised Recreational Vehicle Dealers Insurance program. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for franchised RV dealerships that sell new units, operate service departments, and carry inventory. Independent or non-franchised dealers may not qualify. What is the minimum premium for this program?The minimum premium starts at $20,000, making it best suited for medium to large franchised RV dealers with established operations. Which states is the program available in?The program is available in most U.S. states, including CA, TX, FL, IL, and others. New York and Washington availability is coming soon. What coverages are included in the program?Key coverages include Garage Liability, Dealer’s Physical Damage, Garagekeepers, Property, General Liability, and more. How do I become an appointed agent for this program?PDP Group facilitates the appointment process. Once admitted, you’ll receive training, underwriting support, and access to direct billing tools. Need help placing an account? Connect with a market specialist.

...financials. Monthly Installment (financed) Quarterly or twice a year payments (not necessarily financed, but because you have a history wit...

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.

...rogram is $100,000. Can my client finance the premium and profit share contrib...

...financials. Monthly Installment (financed) Quarterly or twice a year payments (not necessarily financed, but because you have a history wit...

...financials. Monthly Installment (financed) Quarterly or twice a year payments (not necessarily financed, but because you have a history wit...