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Overview — GrowPro® from NIP Group GrowPro® from NIP Group is a specialized insurance program designed for commercial growers, nurseries, greenhouses, and independent garden centers. As a Managing General Agency, NIP Group places this program with various admitted carriers across most available states, giving agents flexible admitted-market options and tailored coverages for seasonal inventory and crop exposures. GrowPro® is intended to complement LandPro TreePro accounts and provides expanded protections for crop loss, inventory fluctuations, property, and liability exposures common to plant producers and retailers. Ideal accounts and target classes Greenhouse growers (seasonal and year-round) Nursery growers producing field-grown or container stock Independent garden centers and retail plant operations You should consider GrowPro® when your client needs coverage that reflects seasonal inventory swings, nursery crop exposures, or specialized causes of loss (for example, frost, freeze, hail, or loss in transit). Typical fits are accounts with clear inventory records, established loss-control practices, and operations that are primarily plant production or retailing rather than large commercial landscaping contractors. Coverage highlights and advantages Specialized crop and inventory coverage tailored to seasonal values Property coverage for greenhouses, cold frames, benches, and stock Liability solutions suited to retail and production exposures Ability to structure limits and endorsements for perishables and transit Access to admitted carriers in most states through NIP Group’s MGA placements Underwriting notes and minimum premium Underwriting focuses on the operation’s primary exposures, inventory valuation methods, mitigation controls (irrigation, frost protection, pest control), and loss history. NIP Group can accommodate accounts with seasonal surges by adjusting limits and premiums to match peak inventory values. Minimum premium varies by carrier and state; see individual submissions for program minimums and available endorsements. Territories and admitted status GrowPro® is available in most states (AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY and DC). NIP Group places with various carriers and can often secure admitted solutions where state filings and carrier appetite allow. Why place this business with NIP Group NIP Group combines program expertise in horticultural and nursery lines with access to multiple admitted carriers. Agents benefit from underwriters who understand crop seasonality and inventory valuation, plus flexibility to craft endorsements for transit, perishables, and crop loss. Use GrowPro® when you need a market that understands plant production risks and can tailor a package to match peak seasonal exposures. Example scenarios You have a medium-sized greenhouse with fluctuating inventory that needs crop and building coverage for a winter-season frost exposure — GrowPro® can be structured to reflect peak inventory values. You represent an independent garden center that wants package property and liability coverage with transit protection for plant deliveries — the program’s endorsements can address those combined exposures. Frequently Asked Questions What types of growers are eligible for GrowPro®?GrowPro® targets greenhouse growers, nursery growers (field and container), and independent garden centers. Eligibility depends on operations, loss history, and inventory controls — larger landscaping contractors or high-hazard production may be referred to other markets. How does the program handle seasonal inventory fluctuations?NIP Group can tailor limits and endorsements to reflect peak seasonal values and can place crop/inventory limits that adjust for inventory surges. Provide peak values on submission so underwriters can match coverage to exposure. Does GrowPro® cover crop loss from weather events?Yes. The program includes crop loss coverages for perils commonly affecting growers (for example freeze, hail, and some weather perils) subject to carrier terms and endorsements. Specific perils and sublimits vary by carrier and state. What information should I include with a submission?Include detailed inventory schedules, peak inventory values, description of production and retail operations, loss history, mitigation measures (frost protection, irrigation), and any transit or delivery exposures to help expedite underwriting and pricing. Need help placing an account? Connect with a market specialist.

Special Event Insurance Overview of the Program from Ideal Insurance Agency Ideal Insurance Agency offers a Special Event Insurance program tailored for clients hosting events in Surprise, Arizona. Whether your insured is planning a wedding, graduation party, anniversary celebration, or corporate function, this program helps protect their financial investment from unexpected disruptions. Agents and brokers can rely on Ideal Insurance Agency to deliver responsive service, flexible options, and experienced underwriting for these high-emotion, time-sensitive events. Ideal Accounts and Appetite This program is designed for a wide range of personal and professional events held in Arizona. Ideal accounts include: Weddings and receptions Milestone birthday parties Anniversary or retirement celebrations Graduation parties or reunions Charity fundraisers and private banquets You might have a client who is hosting a wedding at a private residence or outdoor venue and is concerned about weather-related cancellations or vendor no-shows. This program can help protect their investment. Coverage Highlights and Advantages Special Event Insurance from Ideal Insurance Agency provides important protections for both personal and financial peace of mind. Standard coverage options typically include: Event cancellation due to weather or natural disasters Cancellation due to illness or injury of key participants Vendor no-show (e.g., caterer, florist, photographer) Theft or damage to gifts Coverage for gowns, tuxedos, and special attire Honeymoon cancellation extension options Optional counseling coverage if cancellation leads to emotional distress For events held at private homes or locations without commercial liability protection, additional liability coverage is available to supplement a standard homeowners policy. Underwriting Notes and Program Details All policies are individually underwritten to match the event’s size, type, and risk profile. The program is offered on a non-admitted basis, giving Ideal Insurance Agency greater flexibility to design coverage solutions that meet unique needs. While there is no standard minimum premium listed, agents are encouraged to contact Ideal for quote discussions based on the event's scope and complexity. Territory and Availability This Special Event Insurance program is currently available exclusively in Arizona, with a focus on events located in Surprise, AZ and surrounding communities. Agents with clients planning events in this region will find strategic value in this local offering. Why Work With Ideal Insurance Agency Ideal Insurance Agency brings local expertise and personal service to every account. Their team understands the urgency and emotion tied to special events and provides responsive support to agents throughout the quoting and binding process. With customizable coverage options and a commitment to helping agents protect their clients’ most meaningful moments, Ideal is a trusted partner for special event placements in Arizona. Frequently Asked Questions What types of accounts are a good fit for this program?Weddings, milestone birthday parties, anniversary celebrations, graduation events, and private functions hosted in Arizona are all strong fits for this program. Is coverage available for events held at private residences?Yes, coverage can be extended to events hosted at private homes, including liability options that go beyond a standard homeowners policy. What are common reasons for event cancellation that are covered?Covered reasons may include severe weather, natural disasters, serious illness or injury of key participants, and vendor no-shows. Is this program admitted or non-admitted?This Special Event Insurance program is offered on a non-admitted basis in Arizona. Can agents customize coverage for specific client needs?Yes, policies are tailored individually, and agents can work with Ideal Insurance Agency to select additional options such as honeymoon cancellation or gift protection. Need help placing an account? Connect with a market specialist.

Experts in Workers' Compensation, Midlands has assembled an experienced team of underwriters able to deliver the right Workers' Compensation Insurance at competitive rates for small- to medium-sized risks. We understand the complexity of the market and can provide multi-state solutions with flexible payment options and fast turnaround. Program overview Midlands' Workers Compensation Insurance for Small Business is a targeted program designed to protect your clients’ greatest assets — their people and their businesses. The program pairs market access with practical underwriting and loss-control strategies to help reduce payroll volatility and support quick return-to-work outcomes. Program Highlights: • Minimum premiums as low as NCCI minimums • E-Mods accepted from 0.60 to 1.75 • New ventures are considered • Flexible payment plans, including pay-as-you-go options • Ineligible risks include: staffing & PEOs, oil & gas, cranes, roofing, work at heights over two stories, and long-haul trucking • 10% premium discount when Workers' Compensation and a Business Owners Policy (BOP) are written together • Appetite focused on light to moderate risk classes • Program promotes employee safety and return-to-work strategies to help control loss costs In addition to the Workers' Compensation monoline, you can offer clients broader protection by bundling coverages under one policy: • Business Owners Policy (BOP) • Employment Practices Liability (EPL) You can enhance your clients’ coverage and save them money with a 10% discount when both Workers' Compensation Insurance and a BOP policy are bound together. Note: this program is designed for a specific line of target classes (see list below). Target Classes: • Retail • Hotel • Restaurant • Auto Body • Artisan Contractors • Healthcare • Church/School • Barber Shop • Transportation • Auto/Truck Dealer • Clerical • Carpentry • Grocery • Machine Shops • Landscaping • Country Club/Golf • Dry Cleaners • Auto/Truck Repair • Day Care • Florist • Law Office • Light Manufacturing • Other classes considered Typical fits include new or growing small businesses that operate in light- to moderate-exposure industries — for example, a neighborhood restaurant hiring seasonal staff, a landscaping company expanding its crew, or a small day care opening a second location. Those accounts benefit from tailored payroll handling, loss control support, and the option to bundle property and liability with Workers' Comp. Underwriting notes and minimum premium Underwriting focuses on class mix, payroll accuracy, and safety practices. New ventures are reviewed on their operations and controls. Minimum premiums start at NCCI minimums; E-Mod considerations typically range from 0.60 to 1.75. Risks outside the appetite (see Program Highlights) will generally be declined or referred. Territories and admitted status Midlands provides coverage in all available states, including major markets such as CA, TX, FL, and NY, and is positioned to place admitted business where appropriate. Contact Midlands to confirm availability and admitted vs. non-admitted options for a specific state. Why place this business with Midlands? As a Managing General Agency and carrier, Midlands combines access to multiple markets with deep underwriting expertise. Agents get: Dedicated underwriters who understand small-business exposures Fast turnaround and responsive service Flexible payment structures, including pay-as-you-go Bundling opportunities to reduce client premium Let Midlands' underwriters support you in placing small-business Workers' Compensation risks with confidence. For program details or to become appointed, email: [email protected] Our team of experts is here to help! Frequently Asked Questions What types of accounts are a good fit for this Workers' Compensation program?This program fits light- to moderate-risk small businesses such as retailers, restaurants, artisan contractors, healthcare providers, daycare centers, and similar operations. Are new ventures eligible for coverage?Yes. New businesses are considered, subject to underwriting review of operations and safety controls. Which states is this program available in?The program is available in a wide range of states, including CA, TX, FL, GA, IL, and many others. Contact Midlands to confirm availability in a particular state. What coverages can be bundled for additional savings?You can bundle Workers' Compensation with a Business Owners Policy (BOP) and receive a 10% discount when both are bound together. What types of risks are ineligible for this program?Ineligible classes include staffing & PEOs, oil & gas operations, crane operations, roofing and work above two stories, and long-haul trucking. Need help placing an account? Connect with a market specialist.

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