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...e across their systems and give franchisees quick access to consistent, compli... Typical submissions include the franchisee’s business classification, numbe...

Pizza and Restaurant Delivery Insurance Program Amwins Program Underwriters offers monoline HNOA (Hired and Non-Owned Automobile) liability coverage tailored for pizza and restaurant delivery operations. This program provides focused liability capacity for restaurants that deliver food, with underwriting and distribution handled through Amwins as the managing general agency and capacity provided by General Star. Overview of the Program This program is designed for restaurants and food-service operators that use third-party drivers, owner-drivers, or employee drivers to deliver food. Coverage is monoline HNOA liability, with primary limits available up to $5,000,000 and defense costs outside the limit. The product is intended to sit as the primary hired/non-owned automobile liability for delivery operations where the restaurant needs a dedicated HNOA solution. Ideal Accounts and Appetite Any type of restaurant that offers food delivery, including pizza shops, fast-casual concepts, and independent restaurants. Multi-location operations with up to 30 locations. Restaurants that need dedicated HNOA limits to address exposures from delivery drivers, third-party delivery services, and borrowed vehicles. Accounts that typically do not fit include large national chains with complex centralized programs, operations with documented poor driving or claims history, or risks requiring admitted paper in jurisdictions where admitted placement is mandatory. Coverage Highlights and Advantages Monoline HNOA liability — focused coverage for delivery exposures without bundling into general liability. Primary limits up to $5 million with defense outside the limit, providing extended limit protection for serious liability claims. Underwriting expertise from an MGA experienced in food-delivery exposures and access to capacity through General Star. Nationwide placement (see availability below) to support agents with clients operating in multiple states. Underwriting Notes and Submission Requirements Underwriting emphasizes driver screening, fleet controls, and claims history. To obtain a quote, submit the following: Completed industry standard applications Pizza & RD (Monoline HNOA) supplemental application Currently-valued loss information for the lines to be quoted (current year plus four prior years) Current drivers list Current MVRs for all owners, managers, and drivers (a random sample approach is used on larger accounts) Underwriters may request additional information on driver training, delivery radius, use of third-party delivery platforms, and vehicle controls. Expect careful review of prior loss frequency and severity; high frequency loss accounts may be declined or subject to higher retentions. Territories and Admitted Status This program is available in all U.S. states except Louisiana. It is offered as a non-admitted/surplus lines product (not admitted in any state), and placement should follow surplus lines filing requirements in the insured’s state. Why Work With Amwins on Pizza & Restaurant Delivery Specialized appetite: focused on the unique HNOA exposures of delivery operations. MGA servicing model: underwriting guidance and placement support from Amwins Program Underwriters with access to General Star capacity. Flexible limits and defense outside the limit for serious liability protection. Practical underwriting requirements: straightforward submissions centered on driver and loss information for quick, informed decisions. Example scenarios You have a 12-location pizza chain that contracts with third-party couriers and needs separate HNOA limits to protect the parent company — this program can provide monoline HNOA limits up to $5M. You represent an independent restaurant offering in-house delivery with a small fleet of employee drivers and want primary hired/non-owned auto coverage with defense outside the limit — this program is a fit if the account has satisfactory driving controls and loss history. Frequently Asked Questions What types of accounts are a good fit for this program?Restaurants and food operators that provide delivery services — from single-location pizza shops to multi-location operators (up to 30 locations) — where the primary exposure is hired and non-owned automobile liability. Is this program admitted or non-admitted?This program is placed as a non-admitted (surplus lines) product and is not admitted in any state. It is available nationwide except for Louisiana; agents should follow surplus lines compliance for their state. What limits and insuring features are available?Primary HNOA limits are available up to $5,000,000. Defense costs are outside the limit, which can preserve limits for indemnity payments in serious claims. What documentation do I need to submit for a quote?Provide completed applications (industry standard and the Pizza & RD supplemental), currently-valued loss runs for the current year plus four prior years, a current drivers list, and MVRs for owners, managers, and drivers (random sampling may be used for larger accounts). Need help placing an account? Connect with a market specialist.

...e for both corporate owners and franchisees PLIS combines specialized underw...

EPLI Insurance Halcyon Underwriters provides access to a broad selection of top-rated, admitted carriers for Employment Practices Liability Insurance (EPLI). As a wholesale broker, we partner with agents and brokers to place competitive, reliable EPLI solutions tailored to each commercial client’s employment-related risks. Overview of the Program From Halcyon Underwriters EPLI protects employers from employee claims such as discrimination (sex, race, age, disability, etc.), wrongful termination, harassment, retaliation, and related employment practices exposures like failure to promote or negligent evaluation. Halcyon’s program gives you multiple admitted-market options so you can tailor limits, retentions, and coverage features to the client’s size and risk profile. Ideal Accounts and Appetite This program fits small to mid-sized commercial accounts across many industries, including healthcare, hospitality, retail, manufacturing, and professional services. We consider both new ventures and established businesses, and we are comfortable with accounts that have clean or more complex employment histories when underwriting information is complete. Example fits: a growing restaurant group concerned about wrongful termination or wage-related disputes; a tech startup undergoing rapid hiring that wants protection against discrimination or harassment claims. Accounts with systemic HR deficiencies, ongoing litigation involving employment law, or very large payrolls may require special review or alternate placements. Coverage Highlights and Advantages Defense and liability for discrimination (age, race, gender, disability, etc.) Wrongful termination and retaliation Sexual harassment and hostile work environment Failure to promote and negligent evaluation exposures Third-party EPLI available in select markets With access to multiple admitted carriers, Halcyon helps you match coverage features, limit structures, and pricing to the client’s operations and risk tolerance. Underwriting Notes and Minimum Premiums Underwriting emphasizes current HR practices, employment policies, prior claims history, and submission quality. The program’s typical minimum premium starts at $15,000; final terms depend on exposures, payroll, and industry. Provide complete application materials, an up-to-date EPLI application, and any HR documentation to accelerate placement. Territories and Availability Halcyon Underwriters offers this EPLI program in all 50 states plus Washington, DC, through admitted carriers. Regardless of client location, we can work with you to find admitted-market capacity and state-specific forms where required. Why Work With Halcyon Underwriters As a wholesale broker focused on market access and underwriting support, Halcyon brings deep carrier relationships and hands-on placement assistance. We help you evaluate options across multiple admitted markets, negotiate competitive terms, and guide submissions to improve placement speed and success. For additional information, please contact Jason Mata at [email protected] . We encourage you to visit our website at www.halcyonuw.com to learn more about our wholesale EPLI capabilities. Frequently Asked Questions What types of accounts are a good fit for this EPLI program?This program fits a wide range of small to mid-sized businesses—particularly healthcare, hospitality, retail, manufacturing, and professional services—with moderate exposure to employee-management risks. Is this program available nationwide?Yes. Halcyon Underwriters offers this EPLI program in all 50 states and Washington, DC through admitted carriers in our panel. What is the minimum premium for this EPLI program?The program’s typical minimum premium starts at $15,000; final pricing depends on industry, payroll, limits requested, and claims history. Can new businesses or startups qualify for this coverage?Yes. We consider new ventures, particularly those with documented HR practices and management controls in place. Complete submissions improve placement chances. What markets does Halcyon Underwriters work with for EPLI?We work with multiple top-rated admitted carriers, giving agents flexibility to match coverage form, limits, and pricing to the client’s needs. Need help placing an account? Connect with a market specialist.

Insurance Programs of America (IPOA) offers tailored insurance solutions for fast food and quick-service restaurant businesses through our specialized RestaurantPro program. We understand the unique risks and operational challenges that come with running fast-paced restaurant environments, and we've built a program designed to help agents protect their clients with confidence. Overview of the Program From IPOA As a Managing General Underwriter and Excess & Surplus Lines Broker, IPOA delivers a competitive, non-admitted fast food restaurant insurance program available nationwide. RestaurantPro is underwritten through top-rated carriers and offers exclusive coverage extensions that cater specifically to the needs of fast food operations. Whether your client is operating a single-unit franchise or managing multiple quick-service locations, our team provides the underwriting expertise and support you need to place quality business. Ideal Accounts and Appetite RestaurantPro is designed for fast food and quick-service restaurant owners with a solid operational history. Ideal accounts include: Established fast food chains or franchises with at least 3 years of ownership experience Buildings constructed in 1989 or later, or those that have been fully gut-renovated Locations with updated roofing within the past 15 years Restaurants with Class K fire extinguishers installed in all kitchen areas Operations with delivery services (no Hired and Non-Owned Auto coverage included) Sprinkler-protected buildings and properties in protection classes 1–8 receive preferred pricing consideration. All construction types are considered, and named storm coverage is included in all states, including Florida. Coverage Highlights and Advantages Our program includes exclusive restaurant insurance extensions specifically developed for fast food risks. Agents can expect: Customized coverage solutions developed for the fast food industry National reach with surplus lines flexibility Access to knowledgeable underwriters with restaurant expertise Support for risks with delivery exposures (excluding HNOA) For example, if you have a client operating a regional chain of quick-service taco restaurants in multiple states, RestaurantPro can offer comprehensive coverage with underwriting flexibility that accounts for delivery, fire suppression, and storm-related exposures. Underwriting Notes and Minimum Premiums RestaurantPro has a $10,000 minimum premium and is best suited for accounts that meet the following underwriting criteria: Established ownership and operational history (minimum 3 years) Updated safety and fire suppression systems Recent renovations or original construction from 1989 or later Underwriting is handled in-house at IPOA, allowing us to provide responsive service and customized solutions to our agency partners. Territories and Availability This program is available in all 50 states and Washington, DC. As a non-admitted offering, RestaurantPro provides flexibility in coverage design and underwriting, especially in catastrophe-prone areas like Florida, where named storm coverage is included. Why Work With Insurance Programs of America? IPOA is committed to serving niche markets like fast food restaurants with long-term dedication and specialized expertise. We work closely with our agency partners to deliver underwriting precision, reliable service, and access to top-tier carriers. Our focus on program business ensures that you get the tools and support needed to win and retain fast food accounts. Frequently Asked Questions What types of accounts are a good fit for this program?Fast food or quick-service restaurants with at least 3 years of ownership experience, updated fire protection systems, and buildings constructed in 1989 or later are ideal candidates. Is delivery service allowed under this program?Yes, risks that include delivery services are acceptable. However, Hired and Non-Owned Auto (HNOA) coverage is not included. Which states is the program available in?The program is available in all 50 states and Washington, DC. What is the minimum premium for the Fast Food Restaurant Insurance program?The minimum premium for this program is $10,000. What makes IPOA's RestaurantPro program unique?RestaurantPro offers exclusive insurance extensions tailored for fast food businesses, national non-admitted availability, and expert underwriting support through IPOA’s specialized team. Need help placing an account? Connect with a market specialist.

The health and fitness – exercise, circuit, personal training studio program is designed for U.S.-based owners and operators of exercise studios and circuit training facilities that offer personal/individual training and exercise in scheduled fitness/exercise programs that are under the direct supervision of a fitness professional such as a personal trainer or exercise instructor or in a structured/sequential order for an individual. Coverage provided includes important liability protection for the studio/facility, including its employees for liability claims arising out of the operations of the studio/facility at a designated location. Note: coverage does not extend to independent contractors unless the optional coverage available with this program is purchased. Additional insurance programs may be available for facilities not eligible for this program, or those requiring additional coverage needs. Contact K&K to help place your risk. Eligible Operations for Health and Fitness - Exercise Studio Insurance, Circuit Studio Insurance and Personal Training Studio Insurance: U.S. based exercise studios or circuit training facilities with 3,000 square feet or less of leased or owned space per location. Coverages Available & Program Highlights: General Liability - Bodily Injury and Property Damage - Personal and Advertising Injury - Products and Completed Operations - Damage to Premises Rented to You - Medical Expense (other than participants) - Hired Auto Liability and Non-Owned Auto Liability (not available in IL, LA, UT, VT and WI) - Professional Liability - Bodily Injury to Participants - Premises Liability Included Optional Coverages Equipment and Contents - Inland Marine Liability for Independent Contractors (non-employees) Abuse, Molestation, or Exploitation Defense Reimbursement Coverage Sexual Abuse or Sexual Molestation Liability K&K Insurance offers sports and recreation websites offering online purchasing capabilities and commission for agents and brokers. The website is simple to use and provides an option to purchase coverage immediately using a credit card. K&K, a leading provider of sports, leisure and entertainment insurance programs, is a key supplier of coverage to the sports and recreation industry and is pleased to offer this innovative technology for our clients’ convenience. The program offers 10% commission to insurance agents when using the online binding system. A convenient registration area allows agents to manage quotes and bound accounts. Coverage can be purchased at the following sites: www.fitnessinsurance-kk.com – small fitness and exercise facilities and instructors Please contact our regional sales directors for questions about programs offered by K&K. David Mello – AK, AZ, CA, CO, HI, IA, ID, IL, KS, MA, ME, MN, MO, MT, ND, NE, NH, NJ, NV, NY, OK, OR, SD, UT, VT, WA, WI, WY [email protected] 260.438.7611 Nick Pentsos – AL, AR, CT, DC, DE, FL, GA, IN, KY, LA, MD, MI, MS, NC, NJ, OH, PA, RI, SC, TN, TX, VA, WV [email protected] 260.222.1864

...hrough this program: • A franchisee opening three quick-service units i...

No matter how well your insureds manage the workplace, employment-related claims can still arise—and defending them can be expensive. Professional Liability Insurance Services, Inc.® (PLIS) offers the ESI – Employment Practices Liability Insurance program to help agents place EPLI for clients across industries and company sizes. The program combines broad coverage, flexible underwriting, and fast turnaround supported by experienced underwriters and risk management partners. Ideal Accounts and Appetite The ESI-EPLI program is designed for employers of all sizes—from small local operations to large multi-state companies. It fits clients across industries including tech, healthcare, manufacturing, retail, and professional services. The program is particularly useful for employers with: Employees in multiple states with differing compliance requirements Concerns about wrongful termination, discrimination, or harassment claims Exposure from prior acts or recent downsizing/reorganization Need for EEOC administrative defense coverage and real-time HR/legal support Coverage Highlights and Advantages Underwritten by Certain Underwriters at Lloyd’s (A.M. Best rated A), ESI-EPLI provides robust core protection plus value-added services: First-dollar coverage for EEOC administrative proceedings (up to $2,500) before the deductible applies Up to 50% deductible reduction available Prior-acts coverage with a premium discount for inception coverage Optional third-party liability (discount available if excluded) Coverage for FMLA, EPA, WARN Act, USERRA, and reorganization/downsizing exposures where insurable Broad definitions for discrimination, harassment, and inappropriate conduct Punitive, exemplary, and liquidated damages covered where insurable Oral or written complaints accepted under broad reporting language Claims-made-and-reported form with duty-to-defend and policy-paid defense on behalf of the insured Limits available up to $5M/$10M, with optional defense outside the limits for an additional premium Risk Management Services PLIS partners with Specialty Risk Management® (SRM®) to deliver complimentary and pay-for services that reduce claims frequency and severity: Free handbook and policy review or sample policies Free unlimited access to a 1-800 hotline for immediate HR and legal guidance Additional services such as on-site investigations, train-the-trainer, and supervisor training available for a nominal fee Underwriting Notes and Minimum Premiums There is no set minimum premium, so the program is accessible for small and midsize accounts as well as larger employers. Most submissions receive a 24–48 hour indication; agents can begin with a one-page short-form worksheet for a non-binding quote. Original documentation is not required at submission, and premium financing is available. Territories and Availability ESI-EPLI is available nationwide—licensed in all 50 states and Washington, D.C.—and is placed on a non-admitted basis through Lloyd’s of London. PLIS works with agents to address surplus lines compliance and filing requirements where applicable. Why Work With PLIS on EPLI? PLIS specializes in professional and management liability products with hands-on underwriting support—real people who help you place business quickly. The firm combines competitive pricing, flexible terms, and Lloyd’s capacity to handle complex or multi-state exposures. Agents benefit from fast turnaround, risk-management resources, and an underwriting team familiar with employment liability nuances. Frequently Asked Questions What types of accounts are a good fit for the ESI-EPLI program?Any size employer across industries can qualify. The program is especially well suited for multi-state employers, organizations facing organizational change, or companies with prior acts exposure. Is prior acts coverage available?Yes. Prior acts coverage is available and a premium discount may apply when adding inception/prior-acts protection. Can small businesses qualify?Yes. There is no fixed minimum premium requirement, making the program accessible to smaller employers as well as larger accounts. What risk-management support do insureds receive?Insureds receive free access to a 1-800 HR/legal hotline and a complimentary handbook or policy review. Additional training and on-site services are available for a fee. How quickly can I get an indication?Most submissions receive a 24–48 hour turnaround. Agents can submit a one-page short-form worksheet for a non-binding indication without original documentation up front. Need help placing an account? Connect with a market specialist.

...ants, landlords, merchants, and franchisees across many retail classes. Ide...

Business Owner's Policy Highlights The Herbert H. Landy Insurance Agency, Inc. offers a focused Business Owner Packages (BOP) program built for independent agents placing small and mid-sized businesses—especially professional and office-based accounts such as real estate agents, consultants, attorneys, and accountants. This program bundles property and liability coverages into a single, streamlined policy to simplify placement while delivering broad protection for routine and professional exposures. Ideal Accounts and Appetite This BOP is a strong option when you need broad, affordable protection for businesses that are primarily office- or home-based. Typical fits include: Home-based businesses needing low-cost, reliable liability and property limits Professional offices (real estate brokers/agents, consultants, accountants, lawyers, etc.) Small service firms and administrative operations working from leased or multiple locations Generally, the program favors low-to-moderate hazard office exposures. Higher-hazard classes (heavy manufacturing, high-hazard contractors, habitational risks with multiple families, or accounts with substantial liquor operations) will typically fall outside appetite. Agent-friendly example accounts A solo real estate agent who works from a home office and needs on- and off-premises liability for client showings and blanket business personal property coverage. A small advisory firm with two locations seeking full replacement cost building coverage, business income, and an excess limit option to protect against large liability losses. Coverage Highlights and Advantages The program provides two main policy forms so you can match coverage to the client’s operations and budget: Home-Based Business Policy – Entry-level option starting at $150; includes Bodily Injury, Property Damage, and business property protection that extends to secondary locations and off-site work. Business Office Liability Policy – Broader professional office form starting at $500; adds coverages such as Employee Dishonesty, Business Interruption, and Hired/Non-Owned Auto. Property coverage highlights Full replacement cost with no coinsurance Business income and extra expense—up to 12 months with no waiting period Newly acquired property—limits up to $1,000,000 (building) and $500,000 (business personal property) Blanket limits for valuable papers, accounts receivable, and fine arts—available up to $250,000 Protection for computers, electronic data, and cyber-related losses Optional enhancements: water backup, utility services, and equipment breakdown Liability coverage highlights On- and off-premises liability—including client property showings and off-site services Medical payments ($10,000 limit) Damage to premises rented to you ($1,000,000 limit with expanded peril options) Blanket additional insureds and waiver of subrogation options Optional coverages: Employee Benefits Liability and Employment Practices Liability Excess and Workers’ Compensation Excess liability available up to $5 million (follow-form) Workers’ Compensation available with competitive rates and online premium audit Underwriting Notes and Minimum Premiums Underwriting is designed for quick placement of routine office and home-based risks. Premium entry points are accessible—home-based policies can start at $150 and business office policies at $500—while optional endorsements let you tailor limits and coverages for expanding accounts. Address details, payroll, revenue, and prior loss history remain key determinants for pricing and acceptability. Territories and Availability This BOP program is available in all 50 states and DC and is written on an admitted basis through RLI Professional Services Group. That admitted positioning helps with regulatory compliance and appeals to clients that prefer admitted paper. Why Work With The Herbert H. Landy Insurance Agency? The Herbert H. Landy Insurance Agency brings decades of experience placing professional and small business risks. As an MGA, Landy provides agents nationwide with admitted access to RLI Professional Services Group, efficient underwriting, and optional endorsements that make it easier to keep clients protected as they grow. If you manage professional office portfolios or home-based businesses, Landy’s BOP program is a practical market to consider. Need help placing an account? Connect with a market specialist. Frequently Asked Questions What types of accounts are a good fit for this BOP program?This program is ideal for home-based businesses, professional offices (such as attorneys, accountants, consultants, and real estate professionals), and other small to mid-sized businesses that need bundled property and liability coverage. Are optional endorsements available to customize coverage?Yes. Endorsements such as Employee Benefits Liability, Employment Practices Liability, increased property limits, and other enhancements are available to tailor the policy to client needs. What is the minimum premium for this program?Premiums start at $150 for home-based business policies and $500 for business office policies, providing an affordable entry point for smaller accounts. Final premium depends on class, limits, payroll, and loss history. Is this program available in all states?Yes. The program is offered in all 50 states and DC on an admitted basis through RLI Professional Services Group. Who is the carrier behind this program?Policies are written on an admitted basis by RLI Professional Services Group, giving agents access to admitted paper and broader regulatory compliance. Need help placing an account? Connect with a market specialist.