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Blanket Hazard Mortgage Protection Program from Overby Seawell Co. Overby Seawell Co. offers a Blanket Hazard Mortgage Protection program built for lenders and servicers who need a simpler, more consistent way to protect mortgage portfolios. The program replaces the need to track individual borrower hazard policies or rely on force-placed insurance that can create administrative overhead and legal exposure. As a Managing General Agency with access to multiple carriers, Overby Seawell Co. combines underwriting expertise and market placement capability to help brokers place blanket hazard coverage efficiently. Ideal Accounts and Appetite This program is a fit for: Banks and credit unions with sizable residential mortgage portfolios Mortgage servicers and sub-servicers seeking operational efficiency Lenders focused on reducing reputational and litigation risks tied to force-placed insurance You might have a client that services hundreds or thousands of loans across several states. Rather than tracking each borrower's hazard policy and issuing force-placed coverage when a gap appears, this blanket approach covers the portfolio under a single program, reducing touchpoints and exception handling. Coverage Highlights and Advantages Eliminates routine borrower-level insurance tracking and the need to force-place individual policies Reduces administrative costs and staff time spent on insurance compliance Minimizes litigation risk and customer friction associated with force-placed placements Provides consistent, portfolio-wide hazard protection so coverage gaps are easier to manage Supports better borrower relations by avoiding frequent insurance-related notices and disputes The blanket structure provides uniform protection across eligible properties and helps prevent uncovered losses that could otherwise affect the lender’s collateral position. Underwriting Notes and Minimum Premiums Underwriting is portfolio-driven and tailored to loan volume, property mix, and loss experience. Typical submissions should include loan counts, property addresses or distribution by geography, and any historical loss information. Minimum premium varies by risk profile and portfolio size; agents should be prepared to discuss the scope of exposure so underwriting can recommend appropriate terms. Territories and Availability The program is available in most states, including CA, FL, TX, NY, GA, IL and WA, and Overby Seawell Co. places business nationally. Coverage is typically offered on an admitted basis in many jurisdictions; availability and form filings should be confirmed by state for each placement. Why Work With Overby Seawell Co.? Overby Seawell Co. combines mortgage-industry experience with direct carrier access and an MGA model designed for speed and service. Agents and brokers benefit from: Direct access to underwriters experienced with mortgage portfolios Efficient quoting and placement processes for large or complex accounts The ability to tailor terms across different portfolio compositions and jurisdictions A partner focused on reducing operational burden for lenders and servicers Example scenarios that typically place well: a regional bank consolidating hazard exposure for its mortgage servicing portfolio, or a third-party servicer seeking a single program to manage collateral protection across multiple investor accounts. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for banks, credit unions, and mortgage servicers that manage large portfolios of residential loans and want portfolio-wide hazard protection without borrower-level tracking. How does Blanket Hazard Mortgage Protection differ from force-placed insurance?Blanket protection covers all eligible properties in a portfolio under a single policy, removing the need to identify individual coverage gaps and to routinely issue force-placed policies to borrowers. What information is needed for underwriting?Underwriters typically request portfolio size, property mix and locations, loan counts, and any relevant loss history to evaluate exposure and recommend terms. Is this program available in all states?The program is available in most states, including CA, FL, TX, NY, GA and others. Coverage availability and admitted status vary by state—confirm specific filing and availability with Overby Seawell Co. for each placement. Can this program be customized for unique lender needs?Yes. Overby Seawell Co. works with multiple carriers to tailor coverage terms to the lender’s portfolio characteristics and operational requirements. Need help placing an account? Connect with a market specialist.

U.S. Risk Underwriters has the markets and expertise to help you place coverage for your Title Agent accounts. With a dedicated in-house underwriting team and access to top-rated markets, U.S. Risk Insurance Group, Inc. offers a national Title Agents Errors & Omissions (E&O) program designed to protect professionals in the title industry. Our specialists provide responsive service and fast turnaround on quotes, helping you meet your clients' needs efficiently. This program is written through an A+ XV rated carrier and is available in most states across the U.S. It features low minimum premiums starting at $2,500 and competitive rates structured to support agencies of all sizes. Ideal Insureds Include: Title Insurance Agents Escrow Agents Title Abstractors Title Searchers Closing Agents Notary Publics Whether your client is a solo notary or a multi-state title agency, this program is designed to address the professional liability exposures unique to their operations. You might have a client who conducts real estate closings and manages escrow accounts—this program can help protect them from claims arising from errors, omissions, or disciplinary actions. Coverage Features: • Prior Acts coverage available • Independent contractor coverage available • Supplemental coverage for disciplinary proceedings • No minimum revenue requirements • Claims expenses included within the limit of liability Limits and Deductibles: • Limits from $100,000 to $1,000,000 per claim and in the aggregate • Deductibles starting at $5,000, applying to both damages and claims expenses Program Availability: U.S. Risk offers this program nationwide in most markets, 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 Partner With U.S. Risk: As a leading program administrator, U.S. Risk Underwriters brings deep expertise and strong carrier relationships to the table. Our team is focused on helping independent agents like you successfully place E&O coverage for title professionals, offering you dependable underwriting, consistent communication, and access to competitive products. Frequently Asked Questions What types of accounts are a good fit for this Title Agents E&O program?This program is ideal for title insurance agents, escrow agents, abstractors, title searchers, closing agents, and notaries. Both small and mid-sized firms are eligible, including those using independent contractors. Is prior acts coverage available?Yes, prior acts coverage can be included, subject to underwriting review and approval. Are there revenue restrictions for eligibility?No, this program does not impose minimum revenue requirements, making it accessible for smaller operations as well as larger agencies. What are the minimum premium and deductible requirements?The minimum premium starts at $2,500, with deductibles beginning at $5,000. These apply to both damages and claims expenses. In which states is this program available?The Title Agents E&O program is available in most U.S. states. Please contact U.S. Risk for availability in specific jurisdictions. Need help placing an account? Connect with a market specialist.

Insurance Agents and Brokers E&O Program U.S. Risk Insurance Group, Inc. offers a comprehensive nationwide Errors & Omissions (E&O) program designed specifically for insurance agents and brokers. Whether you're a personal lines agent, commercial lines expert, or life and health producer, this program helps safeguard your professional services with tailored protection. The program also extends to General Agents, Wholesalers, Surplus Lines Brokers, MGAs, and Program Administrators—making it a versatile solution for diverse agency operations. Ideal Accounts and Appetite This E&O program is built for a wide range of professionals in the insurance space, including: Property & Casualty (P&C) agents Life and Accident & Health (A&H) agents Personal and commercial lines agents Start-up agencies and smaller firms looking for economical coverage You might have a client launching a new independent agency or a seasoned wholesaler expanding into new lines—this program can accommodate both with flexible limits and competitive pricing structures. Coverage Highlights and Advantages Prior Acts coverage is available, helping to bridge past service exposures Personal injury coverage included when related to professional services Claims Made and Reported form available in the Basic Program Limits and Deductibles Limits up to $5 million per claim and in aggregate, with defense outside the limit options Deductibles starting as low as $1,000, with aggregate deductible options $25,000 sub-limit for employment practices liability claims Basic Program Option Designed for newer or smaller operations, including start-ups Low minimum premiums with competitive rates Eligible classes include P&C Agents, Life/A&H, General Agents, Wholesalers, MGAs, and Program Administrators Limits from $250,000 to $1 million per claim/aggregate; claims expenses within the limit Deductibles starting at $2,500, applying to both damages and claims expenses Underwriting Notes and Minimum Premiums The program is underwritten by U.S. Risk Insurance Group, Inc., a Managing General Underwriter with access to various top-rated carriers. Most markets offered are admitted, providing stability and compliance in regulated jurisdictions. Minimum premiums start at $2,000, making this program accessible for a broad range of agency sizes and risk profiles. Territories and Availability This program is available nationwide, including all 50 states and Washington, D.C. Whether your client is in California, Texas, New York, Florida, or any other state, you can offer them tailored E&O protection through this program. Why Work With U.S. Risk Insurance Group, Inc. U.S. Risk brings decades of experience in specialty insurance program management. As a Managing General Underwriter, the company offers deep underwriting knowledge, responsive service, and access to multiple carriers. Their focus on the insurance agent and broker sector means you’ll be working with professionals who understand the unique risks and regulatory challenges your clients face. Frequently Asked Questions What types of insurance professionals are eligible for this E&O program?Eligible classes include personal and commercial lines agents, life and health agents, general agents, wholesalers, surplus lines brokers, MGAs, and program administrators. Is this program suitable for new or small agencies?Yes, the Basic Program is designed specifically for start-ups and smaller operations, offering low minimum premiums and flexible coverage options. What are the available coverage limits?Limits range from $250,000 to $5 million per claim and in aggregate, depending on the program selected. Defense outside the limits is also available in some cases. Is the program available in all states?Yes, the program is available nationwide, including all 50 states and Washington, D.C. Does the coverage include prior acts?Yes, prior acts coverage is available for qualifying accounts, helping to cover services rendered before the policy inception date. Need help placing an account? Connect with a market specialist.

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