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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...

...ndent auto rental operators Franchisees of major brands such as Hertz, Avi...m?We accept independent operators, franchisees, car dealerships, repair and bo...

Employment Practices Liability Coverage from G.J. Sullivan Company The G.J. Sullivan Company offers a comprehensive Employment Practices Liability Insurance (EPLI) program underwritten by Farmington Casualty Company. This program is crafted to meet the evolving needs of today's employers, giving retail agents access to a powerful solution for clients seeking protection from employment-related claims. With a strong focus on broad coverage, dedicated claims support, and proactive risk management tools, this program helps insureds stay compliant and protected across all 50 states. Ideal Accounts and Appetite This EPLI program is best suited for private companies and non-profit organizations across a wide range of industries. Ideal accounts include professional offices, healthcare providers, manufacturers, service-oriented businesses, and educational institutions with strong HR procedures and training practices in place. Some examples of clients that could be a great fit: A regional dental practice with 40 employees and multiple locations A non-profit counseling center with a diverse staff and volunteer base A growing tech startup with a mix of remote and on-site employees Note: The program excludes certain classes of business, including financial institutions, publicly traded companies, employee leasing firms, restaurant or retail operations with more than three locations, Indian tribes or casinos, and unions. Coverage Highlights and Advantages This EPLI program offers broad protection for a wide range of employment-related exposures, including claims of discrimination, harassment, wrongful termination, and retaliation. Key features include: Limits available up to $5,000,000 Broad definition of wrongful employment acts Punitive damages coverage (where legally permitted) Worldwide coverage for claims brought in the U.S. Non-cancelable except for nonpayment of premium Third-party liability coverage available to qualified insureds Each policy includes complimentary access to Risk Management Plus+OnlineSM, a robust suite of risk mitigation services, including: Interactive online training on employment law topics Unlimited access to employment law attorneys No additional charge for these risk management tools Underwriting Notes Submissions are evaluated based on employment practices, staff size, claims history, and risk controls in place. Businesses with established HR policies, documented procedures, and a commitment to compliance will be viewed favorably. The program is underwritten on an admitted basis through Farmington Casualty Company. Territories and Availability This EPLI program is available in all 50 states and the District of Columbia. Whether your client is based in California, Texas, New York, or anywhere in between, G.J. Sullivan can provide access to admitted EPLI coverage tailored to their needs. Why Work With G.J. Sullivan Company? As a trusted wholesale broker with decades of experience, G.J. Sullivan Company is committed to supporting independent agents and brokers with market access and underwriting expertise. This EPLI program reflects their ongoing dedication to providing competitive, value-driven solutions backed by responsive service and expert claims handling. When you partner with G.J. Sullivan, you gain more than just a market—you gain a reliable partner in protecting your insureds from costly employment-related risks. Frequently Asked Questions What types of accounts are a good fit for this EPLI program?Private companies and non-profits with strong HR practices across industries like healthcare, education, professional services, and manufacturing are ideal candidates. Are third-party liability claims covered?Yes, third-party liability coverage is available to qualified insureds as part of this program. Is the program available in all states?Yes, the EPLI program is available in all 50 states and the District of Columbia. What risk management services are included?The program includes Risk Management Plus+OnlineSM, offering interactive training and unlimited access to employment law attorneys at no extra cost. Are there any business types that are not eligible?Yes, prohibited classes include financial institutions, publicly traded companies, large restaurant/retail operations, employee leasing firms, Indian tribes/casinos, and unions. Need help placing an account? Connect with a market specialist.

WorkCompare.com offers a streamlined Workers Compensation Insurance solution designed specifically for independent insurance agents and brokers working in California. As a program administrator with access to various carriers across all available markets, WorkCompare.com helps you quickly determine how much your client's workers' comp policy will cost at renewal—and which underwriters are willing to review their submission. Whether you're handling a new business opportunity or a renewal, the platform helps you gather all the necessary underwriting information to present options confidently and efficiently. Ideal Accounts and Appetite This program is tailored for a wide range of businesses operating in California, from small startups to larger organizations. WorkCompare.com is especially useful for agents working with clients who: Need competitive renewal pricing on existing workers’ comp policies Operate in industries with moderate to high claims frequency Have experienced changes in payroll, classification, or operations Are open to exploring multiple carrier options Whether you're quoting a local retail shop, a construction subcontractor, or a small manufacturer, WorkCompare.com gives you a broader view of available market options. Coverage Highlights and Advantages Access to a wide panel of markets—admitted and non-admitted options available Real-time insights into underwriter interest to speed up the quoting process Transparent view of projected premium costs at renewal Support for both new business and renewals User-friendly interface designed to enhance agent productivity You might have a client who has experienced rate increases due to claims or reclassification. With WorkCompare.com, you can quickly assess whether alternative markets can offer a better fit—without wasting valuable time or resources. Underwriting Notes and Minimum Premiums Minimum premiums vary depending on the class of business and carrier appetite. The platform supports a wide range of risk types and helps you align each account with the most suitable underwriter. Submissions with complete and accurate information are more likely to receive faster consideration and multiple quotes. Territories and Availability This Workers Compensation Insurance program is currently available exclusively in California. WorkCompare.com continuously evaluates market trends to offer the most competitive and relevant solutions for businesses operating in the state. Why Work With WorkCompare.com on This Business WorkCompare.com simplifies the quoting and renewal process for workers’ compensation insurance. By centralizing market access and providing real-time underwriter feedback, the platform empowers agents to deliver faster, more informed service to their clients. Whether you’re looking for a better fit for a tough renewal or exploring new business opportunities, WorkCompare.com helps you stay focused on what matters most—serving your clients effectively. Frequently Asked Questions What types of accounts are a good fit for this program?This program works well for small to mid-sized California businesses across various industries, including retail, construction, manufacturing, and professional services. Can I use this program for both new business and renewals?Yes, WorkCompare.com supports both new business submissions and renewal comparisons, helping you provide complete options to your clients. What markets are available through this program?The program accesses a wide range of admitted and non-admitted carriers, depending on the risk profile and underwriting details. Is there a minimum premium requirement?Minimum premiums vary by carrier and class of business. The platform helps match each account with markets that fit their size and risk level. How quickly can I get underwriting feedback?WorkCompare.com provides visibility into which underwriters are reviewing your submission, helping you move faster and more efficiently. Need help placing an account? Connect with a market specialist.

...ible accounts include: Franchisees of national and regional restauran...am?This program is best suited for franchisees, franchisors, and independent o...

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

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

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

Insurance Programs of America (IPOA) brings deep underwriting expertise and restaurant-specific market knowledge to food service operators. Through our dedicated RestaurantPro program, we deliver tailored insurance solutions that address the operational and property risks restaurants face—whether single-unit shops or multi-location chains—across the country. Overview of the Restaurant Insurance Program RestaurantPro is built for the full spectrum of dining operations—from fine dining and casual family restaurants to national quick-service chains. We structure customized packages for buffet operations, drive-thru concepts, delivery-focused kitchens, and high-end establishments alike. The program balances broad coverages with underwriting discipline so you can place complex or higher-value restaurant risks with confidence. Ideal Accounts and Appetite This program is a strong fit for: Fast food and quick-service restaurants Buffet-style eateries Casual and family dining Fine dining and higher-end concepts Franchise and multi-location chains Drive-thru and delivery-friendly operations We accept food delivery operations without requiring an HNOA and can accommodate a range of construction types. Preferred pricing is available for sprinkler-protected properties and for accounts with demonstrable ownership experience and recent property improvements (especially roofing). Coverage Highlights and Advantages Key program features include: Restaurant-specific policy extensions and endorsements Named-storm coverage available across all states, including Florida Eligibility for properties in protection classes 1–8 Class K fire extinguishers required in all kitchen areas Terms that accommodate delivery operations and drive-thru exposure RestaurantPro is backed by a top-rated national carrier and underwritten by IPOA’s restaurant-focused team. That combination delivers consistent capacity, underwriting responsiveness, and market stability for agents placing restaurant business. Underwriting Notes and Minimum Premiums Minimum premium: $10,000 Buildings should be constructed in 1989 or later, or be fully gut-renovated Roof updates are required within the past 15 years Insureds should have at least three years of restaurant ownership experience Submissions are evaluated case-by-case against these core guidelines. Clean loss history, documented maintenance, and active risk management (kitchen suppression, staff training, documented cleaning schedules) improve placement outcomes. Our underwriters are available to pre-qualify accounts and guide you on acceptable terms before you submit. Territories and Availability This non-admitted program is available nationwide across 49 states plus Washington, DC. Non-admitted solutions are currently accessible in: 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 Work With Insurance Programs of America? As a Managing General Underwriter and E&S broker, IPOA focuses on niche hospitality and restaurant programs. Working with IPOA gives you: Specialized underwriting staffed by professionals experienced with restaurant exposures Access to stable carrier capacity for larger or higher-exposure accounts Responsive service to help you pre-qualify risks and speed submissions Program consistency that helps you set expectations with your clients Example accounts that often do well in RestaurantPro: a multi-unit quick-service franchise seeking consolidated coverage for property and general liability; or a newly renovated, higher-end steakhouse with up-to-date suppression and a clean loss record that needs broader named-storm protection. If you have a unique or higher-limit restaurant risk, our team is available to review details and provide placement guidance. Frequently Asked Questions What types of accounts are a good fit for this program?Restaurants such as fast food, buffet, casual and family dining, fine dining, and franchise chains are all ideal candidates. Delivery operations are accepted as well. Is this program available in all states?The program is available in 49 states and Washington, DC, through non-admitted carriers. What is the minimum premium for this program?The minimum premium starts at $10,000. Are older buildings eligible?Buildings must be constructed in 1989 or later, unless they have been fully gut-renovated. Do you require specific fire protection equipment?Yes, all kitchen areas must be equipped with Class K fire extinguishers. Need help placing an account? Connect with a market specialist.