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...yment Agencies and Consultants • Forestry and Other Unusual Risks You may hav...

Forest Insurance — Victor O. Schinnerer & Company, Inc. Victor O. Schinnerer & Company, Inc. offers a dedicated Forest Insurance program designed for timber-related operations. The program covers core exposures associated with logging, log road construction, reforestation, chipping operations, and hauling of logs and chips. Available coverages include commercial general liability, commercial auto, and umbrella protection (specific coverages and forms may vary by state). Overview of the Program From the Company This program is offered through Victor O. Schinnerer & Company, Inc. as a Managing General Underwriter with market access to Chartis. It is positioned for agents who need a market that understands the unique operational, equipment and transportation risks of the forest and timber industry. Underwriting focuses on matching appropriate limits and endorsements to on-site exposures and fleet operations. Ideal Accounts and Appetite Independent loggers and small-to-mid-sized logging contractors Companies that build and maintain log roads Reforestation contractors and timber stand improvement crews Chipping and grinding operations located at yards or landing sites Contract haulers of logs and wood chips (dedicated fleets and owner-operators) Good candidates have documented safety programs, routine equipment maintenance, qualified drivers, and manageable transportation routes. Accounts with chronic loss histories, large-scale aerial logging, or significant unmitigated environmental exposures will require additional underwriting review. Coverage Highlights and Advantages Commercial General Liability tailored for operations with high third-party exposure (road crossings, public land access, bystanders). Commercial Auto coverage designed for log and chip hauling fleets, including options for physical damage and hired/non-owned autos. Umbrella/excess capacity to provide higher limits over primary liability and auto policies (availability varies by state). Underwriting that recognizes common industry controls: flagging/traffic control, roadside signage, haul route restrictions, and seasonal limitations. Access to Chartis paper through an MGA experienced in timber and forest exposures. Underwriting Notes Useful submission items: current loss runs, description of operations (harvest method, equipment list), list of drivers and MVRs, safety/maintenance programs, typical haul distances, and details on any subcontracting. Important exposure factors include slope/terrain, timber value per acre, proximity to public roads and utilities, and frequency of loaded hauls on public highways. Endorsement and limits options vary by state; discuss specific limit needs and any higher-hazard operations up front with the underwriter. Territories and Availability Program availability: All Available States. This Forest Insurance program is available in the following jurisdictions: AL, AK, AZ, AR, 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, WY Why Work With Victor O. Schinnerer & Company, Inc. on This Business Specialized underwriting knowledge of timber and forest operations combined with access to Chartis capacity. MGA-level service designed for agents who need flexible solutions for mixed operations (logging + hauling + chipping). Practical appetite: emphasis on controllable accounts with demonstrable safety programs and documented fleet controls. Clear submission guidance to streamline placement and underwriting response. Example Client Scenarios Example 1: You have a family-owned logging contractor that runs two tracked feller-bunchers, a chipper at the landing, and a three-truck fleet hauling to a nearby mill. The program can combine GL and auto coverages and provide umbrella limits to protect the contractor for haul-related exposures. Example 2: An independent contractor who performs log road construction for multiple timber owners needs coverage for both road construction operations and subsequent hauling by subcontractors. A tailored package of liability and auto coverage with appropriate endorsements may be placed through this program. Frequently Asked Questions What types of accounts are a good fit for Victor O. Schinnerer’s Forest Insurance program?Best fits are logging contractors, log road builders, reforestation crews, chipping operations, and contractors who haul logs and chips—especially those with documented safety programs, maintained equipment, and controlled haul routes. What coverages are typically available through this program?Primary coverages include commercial general liability, commercial auto for log and chip haulers, and umbrella/excess liability. Specific forms, endorsements and availability can vary by state. What submission information will the underwriter need?Provide recent loss runs, a clear description of operations and equipment, driver rosters and MVRs, details on haul distances and routes, safety and maintenance programs, and any subcontractor arrangements. Need help placing an account? Connect with a market specialist.

Tennant Risk Services is a specialty wholesale Managing General Agency and Excess & Surplus Lines broker that helps retail agents and brokers place professional liability (Errors & Omissions) coverage for consultants — including those in niche or specialty sectors. We provide underwriting expertise, wide market access and tailored E&O solutions for consulting firms across most U.S. states. Overview of the Consultants E&O Program Our Consultants Professional Liability (E&O) program gives agents access to competitive markets and flexible coverage forms for a broad range of consulting practices. Tennant Risk Services focuses on practical underwriting and fast placement for both routine accounts and harder-to-place risks, so you can move quickly on client opportunities without sacrificing coverage quality. Ideal Accounts and Appetite This program serves a wide spectrum of consultants, including: Management consultants Marketing and branding consultants Healthcare data security consultants Energy and oil & gas consultants Actuarial and school finance consultants Specialty engineering and compliance consultants We have demonstrated strength with tougher placements, for example: Startups and newly formed practices Consultancies with affiliated or related businesses Accounts with prior or adverse loss history Consultants offering unusual or higher-risk services Coverage Highlights and Advantages The program is designed to be flexible so you can tailor solutions to client exposures. Key features include: Minimum premiums starting at $500 Defense outside the limits available First dollar defense options on qualifying risks Customizable limits and deductible structures Coverage extensions such as contingent BI/PD, General Liability extension, and independent contractor coverage Optional enhancements like Cyber Risk and Employment Practices Liability (EPL), subject to underwriting Underwriting Notes and Minimum Premiums Underwriting is case-sensitive — we balance appetite with pragmatic pricing and endorsements to fit the client’s operations. Representative sample placements illustrate the range of risks we can handle: Marketing consultant — $1M limit, $1,000 premium Energy consultant — $1M limit, $950 premium Specialty engineering consultant — $5M limit, $53,750 premium Compliance consultant — $3M limit, $6,600 premium Example scenarios you might bring to Tennant Risk Services: A two-person marketing consultancy with limited operating history seeking a startup-friendly E&O program and first-dollar defense options. An engineering specialist with a prior claim who needs higher limits and a tailored deductible structure to satisfy a client contract. Territories and Availability This Consultants E&O program is available in most U.S. states, including CA, TX, FL, NY, IL and many others. We place both admitted and non-admitted business depending on the state and the risk profile, leveraging admitted markets where available and E&S capacity where necessary. Why Work With Tennant Risk Services? Tennant Risk Services is focused on professional liability for consultants. When you work with us you get: Deep underwriting knowledge of consultants’ E&O exposures Access to multiple carrier markets that vary by risk, size and territory Responsive service and expedited turnaround for submissions Practical solutions for hard-to-place, high-risk or specialized consulting accounts We work exclusively through retail agents and brokers. Share your client’s details and loss history with our underwriting team, and we’ll help identify the best structure and market fit. Frequently Asked Questions What types of accounts are a good fit for this Consultants E&O program?This program fits a broad range of consulting professionals — management, marketing, engineering, compliance and specialty consultants — particularly those with unique services or challenging risk profiles. Do you accept new operations or startup consulting firms?Yes. Tennant Risk Services has underwriting flexibility to consider new ventures and startups, including firms with limited operational history or no prior coverage. Can this program accommodate consultants with prior claims or losses?Yes. We routinely evaluate accounts with adverse loss history and can often place them with appropriate terms and limit/deductible structures. Is Cyber Liability or Employment Practices Liability (EPL) available?Yes. Cyber Risk and EPL can be added to many accounts, subject to eligibility and underwriting approval. Which states is this program available in?The program is available in most U.S. states, including CA, TX, FL and NY. We can advise whether admitted or non-admitted placement is appropriate for a given state and account. Need help placing an account? Connect with a market specialist.

...nstruction, Crane & Rigging, and Forestry accounts, this program covers mobile...

Contractors Equipment Coverage from Van Wagoner Companies, Inc. Van Wagoner Companies, Inc. provides a focused Contractors Equipment program designed to help independent agents and brokers place inland marine coverage for contractors’ mobile equipment and tools. The program is built to support a wide range of contractor clients — from small residential trades to large commercial subcontractors — with flexible options for scheduled and unscheduled equipment, leased units, and higher-value mobile gear. Ideal Accounts and Appetite This program targets contractors who rely on owned or leased equipment as a core part of their operations. Typical classes we write include: Custom Home Builders Carpenters and Framers Concrete and Masonry Contractors Drywall and Insulation Installers Landscaping and Lawn Care Services Heating and Air Conditioning Contractors Swimming Pool Contractors Tile, Carpet, and Flooring Installers Metal Erection and Welding Wrecking and Demolition We also offer a dedicated Mining Equipment appetite, written through markets that will consider high-value mobile gear such as loaders, excavators, and drilling rigs. Coverage Highlights and Advantages The program provides inland marine protection tailored to contractor equipment exposures. Key advantages include: Coverage for scheduled and unscheduled equipment and tools Options to include leased or rented equipment where appropriate Protection for losses from theft, fire, vandalism and many named perils Capacity for both single-piece high-value equipment and multi-unit fleets Access to specialty markets for complex or high-limit mining risks Example scenarios: You might have a regional concrete contractor with several backhoes and a compact fleet that needs a single policy for mobile equipment exposure. Or a landscaper with trailers, mowers and a few high-value attachments requiring scheduled limits and theft protection. Both are within the program’s typical appetite, subject to underwriting review. Underwriting Notes and Minimum Premiums Van Wagoner Companies operates as a Managing General Agency with established carrier relationships, including Lloyds and Markel International, to deliver flexible underwriting solutions. Appetite and terms depend on class of business, equipment values, security measures, and loss history. Minimum premiums may vary by class and state; our underwriting team will work with you to find the best placement for each submission. Territories and Availability Contractors Equipment and related inland marine solutions are available through Van Wagoner Companies in the following states: 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, WV, WI, WY. Mining Equipment coverage is available nationwide in all 50 states. Why Work With Van Wagoner Companies, Inc. As a specialized MGA, Van Wagoner Companies brings decades of experience placing niche commercial coverages for independent agents. Our team focuses on practical, market-ready solutions and responsive underwriting support. We pair local agent knowledge with access to stable specialty markets to help you secure timely, competitive terms for contractors’ equipment risks. If you have a contractor client with mobile equipment exposure — from a one-truck operator to a multi-equipment fleet or mining operation — our underwriting specialists can review submissions and identify the best market fit. Need help placing an account? Connect with a market specialist. Frequently Asked Questions What types of accounts are a good fit for this Contractors Equipment program?This program is ideal for contractors with mobile equipment needs, including builders, landscapers, HVAC techs, framers, and miners. Is coverage available for rented or leased equipment?Yes. The program can include options for leased or rented equipment subject to underwriting review and documentation. Can I place business for a contractor located outside the listed states?Contractors Equipment availability varies by state as listed above. However, Mining Equipment coverage is offered nationwide in all 50 states. Which carriers back this program?We work with Lloyds and Markel International to provide flexible options and market stability. Do you work with new ventures?Yes. New ventures are considered on a case-by-case basis depending on the class of business, equipment values, and the submission details.