Search CompleteMarkets

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.

Hospitality Insurance Program from Cochrane & Company Cochrane & Company is proud to offer our specialized Hospitality Insurance Program, built to serve a wide range of food and beverage establishments. Backed by an A+ XV AM Best-rated carrier, this program provides access to both Admitted coverage in California and Non-Admitted options in other available states. Whether you're looking to place a neighborhood tavern or a busy catering operation, our program is designed to provide flexible, competitive solutions for your hospitality clients. Ideal Accounts and Appetite This program is tailored for a broad mix of hospitality businesses, including: Restaurants & Cafes Bars, Taverns, and Pubs Deli's and Pizza Parlors Take-Out Establishments Banquet Facilities and Caterers BYOB Restaurants Incidental exposures and BYOB operations are considered. Accounts with low alcohol receipts may be eligible for assault & battery coverage considerations. This flexible appetite allows you to confidently place a variety of small to mid-size hospitality risks. Example: You might have a client operating a combination dine-in and take-out pizza shop with a small catering side business—this program can address their unique blend of exposures under one tailored package. Coverage Highlights and Advantages The Hospitality Insurance Program offers a comprehensive suite of coverages and enhancements to protect against common industry exposures, including but not limited to: General Liability and Property coverage with limits up to $5,000,000 Liquor Liability available Employment Practices Liability Equipment Breakdown Crime coverage (small limits included; higher limits available) Additional Insured Endorsements available Silent on Assault & Battery for qualifying risks Specialized Tiered Rating Program for more competitive pricing Optional ancillary coverages are available for an additional premium, including: Employee Benefits Liability Hired and Non-Owned Auto Liability Underwriting Notes and Minimum Premiums Minimum premiums vary based on risk characteristics, location, and selected coverages. The program is underwritten with flexibility in mind, making it suitable for a range of small to mid-sized hospitality operations. Our team considers unique features like BYOB models and incidental exposures that may not fit traditional markets. Territories and Availability This program is currently available in the following states: California (Admitted), Idaho, Montana, Oregon, and Washington (Non-Admitted). We continue to evaluate expansion opportunities to meet agent demand in additional territories. Why Work with Cochrane & Company? As a trusted Managing General Agency with deep market access and underwriting expertise, Cochrane & Company delivers tailored insurance solutions for niche industries like hospitality. We understand the operational risks your clients face and provide responsive service to help you place business efficiently. Our strong carrier relationships and flexible program structure make us a valuable partner for hospitality accounts that require attention to detail and customized coverage. If you have questions about our Hospitality Insurance Program or need help evaluating a specific risk, don’t hesitate to reach out—we’re here to support your success. Frequently Asked Questions What types of accounts are a good fit for this Hospitality Insurance Program?The program is ideal for restaurants, cafes, bars, taverns, caterers, pizza parlors, take-out locations, and BYOB establishments with low to moderate alcohol exposure. Is liquor liability available through this program?Yes, liquor liability coverage is available and can be tailored based on the insured’s alcohol sales and operations. What states is this program available in?The program is available in California (on an Admitted basis), and in Idaho, Montana, Oregon, and Washington (on a Non-Admitted basis). Are optional coverages offered?Yes, optional coverages such as Employee Benefits Liability and Hired & Non-Owned Auto Liability are available for an additional premium. What is the minimum premium for this program?Minimum premiums vary depending on the risk and selected coverages. Contact Cochrane & Company for a quote or to discuss specific accounts. Need help placing an account? Connect with a market specialist.

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.

Employment Practices Liability Program from America's Internet Brokers, Inc. America's Internet Brokers, Inc. (AIB) offers a robust Employment Practices Liability (EPL) insurance program designed to help agents and brokers place coverage for a wide range of small to mid-sized businesses. With a focus on accounts with up to 250 employees, this program is an excellent solution for clients seeking protection against employment-related claims such as wrongful termination, harassment, discrimination, and retaliation. Ideal Accounts and Appetite This EPLI program is suitable for a broad range of industries and professional groups. Target classes include: Hospitality enterprises — including motels, hotels, restaurants, and fast-food establishments Franchise groups — retail and service-based operations Auto dealerships Associations and trade organizations Municipalities and public entities Professional service firms and industry-specific groups Design and construction professionals If you have clients in these sectors looking for comprehensive EPLI coverage, this program offers flexible underwriting to accommodate a range of risk profiles. Coverage Highlights and Advantages This program offers occurrence-based EPL coverage with options to meet a wide range of business needs. Key features include: Coverage limits available up to and above $2,000,000 Occurrence basis rather than claims-made — providing long-term protection for covered events Access to specialized risk management services for qualified accounts Direct billing to insureds by the carrier for added convenience Whether your client operates a small franchise or a growing professional service firm, this program provides the support and flexibility needed to manage EPL exposures. Underwriting Notes and Minimum Premiums AIB underwrites this program in partnership with AIG, offering non-admitted coverage to give agents more placement flexibility. Loss runs are required prior to binding. Minimum premiums vary based on policy structure and limits: $3,000 minimum for short-term policies with limits of $2,000,000 or less (occurrence basis) $5,000 minimum for annual policies with limits of $2,000,000 or less (occurrence basis) $7,500 minimum for annual policies with limits above $2,000,000 (occurrence basis) Keep in mind that customized pricing and services may be available for qualified, larger accounts. Territories and Availability This Employment Practices Liability program is available in most U.S. states, including but not limited to: CA, TX, FL, NY, IL, GA, CO, WA, and NJ. The full list includes over 45 states, giving you the ability to serve a wide range of clients across the country. Why Work With America's Internet Brokers, Inc.? With deep expertise in specialty commercial insurance, AIB connects agents and brokers with tailored solutions for niche markets. Their EPL program, underwritten by AIG, combines flexible underwriting, comprehensive coverage terms, and responsive service. For agents looking to place EPLI coverage with a trusted, experienced wholesale broker, AIB delivers both carrier access and underwriting insight. For example, you might have a client who operates a multi-location restaurant franchise with 150 employees — this program can provide the EPL protection they need, along with risk management support to help prevent claims. Or perhaps you work with a mid-sized construction design firm — this program offers occurrence-based coverage that aligns well with their exposure timeline. Frequently Asked Questions What types of accounts are a good fit for this EPLI program?The program is ideal for businesses with up to 250 employees in sectors such as hospitality, franchises, auto dealerships, professional services, municipalities, and trade associations. Is coverage provided on an occurrence or claims-made basis?This Employment Practices Liability program is written on an occurrence basis, which can offer broader protection for your clients. What are the minimum premium requirements?Minimum premiums start at $3,000 for short-term policies and $5,000 for annual policies with limits of $2,000,000 or less. Higher limits have a $7,500 annual minimum. Do you need loss runs to bind coverage?Yes, loss runs are required prior to binding coverage for all accounts. Which states is this program available in?The program is available in most states, including CA, TX, FL, NY, IL, GA, and many others — over 45 states in total. 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

Advanced E&S Group is a trusted Managing General Agency and surplus lines broker serving the Midwest. We underwrite a broad range of commercial property and casualty classes, offering both package and monoline solutions. Our Fast Food Restaurants Insurance program is tailored to the day-to-day risks faced by quick-service and fast casual operators across our territory. Ideal Accounts and Appetite This program is a strong option for independent agents looking for a responsive market for fast food and quick-service restaurant accounts. We can handle national franchises, regional chains, and independent operators, including locations focused on dine-in, takeout, drive-thru, and delivery. Examples of ideal risks include: A regional chain of burger or sandwich shops with multiple Midwest locations An independent pizza operation that offers delivery and takeout A franchise fast food location that needs property, liability, and business interruption protection Coverage Highlights and Advantages Our Fast Food Restaurants program provides flexible coverage tailored to common restaurant exposures. Available options include: Business Income and Business Interruption Commercial General Liability (CGL / GL) Property and Real & Business Personal Property Food Spoilage and Contamination Glass Breakage and Fire Crime and Employee Dishonesty / Personal Property These coverages address core exposures such as equipment breakdown, loss of refrigerated inventory, property damage from fire or vandalism, and liability claims involving customers or employees. Underwriting Notes and Minimum Premiums Advanced E&S Group places this program on non-admitted paper with a panel of specialty carriers to give agents more flexibility on tougher or niche risks. Minimum premiums vary by carrier, state, and specific risk characteristics. Our underwriters review each submission individually and can consider both standard accounts and more complex locations with multiple exposures. Territories and Availability This program is available in: IA, IL, IN, KS, KY, MI, MN, MO, NE, NJ, NY, OH, PA, VT, and WI. We focus on the Midwest and select Northeastern states to serve agents placing fast food and quick-service accounts throughout our footprint. Why Work With Advanced E&S Group? With deep commercial underwriting experience and access to multiple surplus lines carriers, Advanced E&S Group helps agents place hard-to-place and routine fast food risks efficiently. Our strengths include underwriting flexibility, quick turnaround on submissions, and practical knowledge of restaurant operations—helping you secure appropriate property, liability, and income protection for your clients. Frequently Asked Questions What types of accounts are a good fit for this program?Fast food and quick-service restaurants of all sizes, including franchises, regional chains, and independent operators offering dine-in, takeout, drive-thru, or delivery. Is this program written on admitted or non-admitted paper?This program is placed on a non-admitted basis through a panel of specialty carriers. Which states is this program available in?The program is available in IA, IL, IN, KS, KY, MI, MN, MO, NE, NJ, NY, OH, PA, VT, and WI. What coverages are included in the Fast Food Restaurants Insurance program?Typical coverages include Business Income, General Liability, Property, Food Spoilage, Crime, Theft, Glass, and options for equipment breakdown and extra expense. Is there a minimum premium requirement?Minimum premiums vary by carrier, state, and risk. Contact underwriting for details on specific accounts. Need help placing an account? Connect with a market specialist.

Employment Practices Liability Insurance from Apogee Insurance Group Apogee Insurance Group offers comprehensive access to Employment Practices Liability Insurance (EPLI) solutions designed for agents and brokers seeking competitive markets to place their clients' EPL exposures. With a strong lineup of over 8 A to A++ rated carriers—including AIG, Beazley, Chubb, Darwin, Philadelphia, Travelers, and USLI—we provide flexible and reliable options that address the growing risks employers face in today’s workplace environment. Ideal Accounts and Appetite Our EPLI program is suitable for a wide range of businesses, from small privately held companies to larger organizations across all 50 states. Ideal clients include businesses with employees that operate in industries such as professional services, retail, hospitality, nonprofit organizations, and healthcare. Whether your insured has 5 employees or 500, we can help you find a market that fits. Common EPL exposures we help address include: Wrongful termination Discrimination (age, race, gender, disability, etc.) Sexual harassment Retaliation claims Failure to promote or hire For example, you might have a client who owns a regional chain of boutique retail stores and is concerned about employee-related claims. Or a nonprofit organization that needs protection against wrongful employment practices allegations. These are the types of accounts we can help you place quickly and efficiently. Coverage Highlights and Advantages Through our online platform at www.apogeeinsgroup.com, agents can access quotes from USLI—one of the top EPLI carriers in the U.S.—in just minutes. Our carrier partners provide tailored EPLI policies that may include third-party coverage, defense costs outside the limits, and coverage for wage and hour claims (varies by carrier and state). Key advantages of working with Apogee include: Rapid turnaround—quoting and binding typically within 1–3 business days Access to multiple A to A++ rated carriers Online quoting capabilities for speed and convenience Flexible solutions for tough-to-place or high-exposure accounts Competitive commissions based on volume and account type Underwriting Notes and Minimum Premiums As an Excess & Surplus Lines Broker, Apogee specializes in non-admitted EPLI placements. We work hard to match each submission with the right carrier and terms. Our team is experienced in navigating underwriting requirements across different industries and risk profiles. While minimum premiums may vary, we strive to offer market-competitive pricing for accounts of all sizes. Territories and Availability Our Employment Practices Liability program is available in all 50 states, including DC. No matter where your client is located—from California to New York, Florida to Alaska—we can help you find the right EPLI coverage solution. Why Work With Apogee Insurance Group? Apogee Insurance Group is a trusted partner for independent agents and brokers seeking efficient access to specialty markets. Our EPLI program combines expert underwriting, responsive service, and broad carrier access to help you meet your clients’ needs with confidence. Whether you’re looking for fast online quotes or tailored options for complex risks, Apogee has you covered. Frequently Asked Questions What types of accounts are a good fit for this EPLI program?This program is ideal for small to mid-sized businesses in industries like professional services, retail, hospitality, nonprofits, and healthcare. We can accommodate both low- and high-employee count organizations. Is this EPLI program available in all states?Yes, Apogee’s EPLI program is available in all 50 states and Washington, DC. Can I get quotes online for EPLI coverage?Yes, agents can access online quotes through our website from top carriers such as USLI, offering fast and efficient service. What carriers are included in this EPLI program?We work with over 8 A to A++ rated carriers, including AIG, Beazley, Chubb, Darwin, Philadelphia, Travelers, and USLI. How quickly can I expect a turnaround on EPLI submissions?Most EPLI submissions are quoted within 1–3 business days, depending on the complexity of the risk and completeness of the submission. Need help placing an account? Connect with a market specialist.

Business owners face some of the highest exposures when they interact with employees, customers, vendors and the public. Anyone can file a lawsuit alleging injury, illness, accident or another grievance — and the responsibility and financial risk fall on the business owner, not the claimant. Business owners have often invested everything into their operation; one small incident or claim can threaten the survival of the business. Good operations, attention to safety and the right insurance program are the best defenses against being one lawsuit away from closing up shop. Chenango Brokers, LLC offers a Business Owners Policy (BOP) program designed for agents who need a reliable market for small- and mid-sized accounts — including risks that can be tough to place elsewhere because of age, prior losses, or coverage gaps. We combine experienced underwriting with access to admitted and non-admitted products to help you service more clients and get timely quotes. Coverages When it comes to BOP Insurance, the policy should combine property and liability protections so your clients aren’t exposed by a single gap. Typical coverages we place through this program include: Coverages: • Property Liability • Commercial Liability • General Liability • Umbrella • Workers compensation • Inland Marine Ideal Accounts and Appetite Chenango Brokers targets Main Street and small commercial classes where a well-structured BOP provides the most value. Our preferred classes include: Our Target Classes Include: - Restaurants - Garage Classes - Apartments - Mixed Occupancy - Lessors Risk - Office Classes - Wholesalers - Main Street We routinely place accounts that are under two years in operation, accounts with limited loss history, or those with one or two prior claims where coverage gaps or non-payment issues created placement challenges. While we can handle harder-to-place risks, accounts with ongoing operations problems, repeated large losses, or significant unaddressed regulatory issues may not qualify. Coverage Highlights and Advantages All-in-one BOP options that combine property and liability to reduce coverage gaps. Access to admitted and surplus markets (availability varies by state) — Chenango helps you determine the best market fit for each account. Quick turnarounds and responsive underwriting on standard and harder-to-place small business risks. Optional excess/umbrella and inland marine solutions to extend protection where necessary. Underwriting Notes and Minimum Premiums Underwriting considers operations, location, prior loss history, payroll/sales levels, and any prior coverage lapses. Minimum premiums and policy terms vary by carrier and product — minimum premium: Varies by Carrier and Products. Be prepared to provide a complete submission including: ACORD applications and detailed descriptions of operations Loss runs (where applicable) Prior policy declarations and explanation of any coverage gaps or non-payment We can often place accounts with previous gaps or a single minor loss, but larger or frequent losses may require enhanced controls, higher retentions, or placement in a surplus market. Territories and Admitted Status This BOP program is available in the following states: AL, AZ, CT, FL, GA, IL, MD, NV, NJ, NY, OH, OK, OR, PA, RI, TX, VA, WA. Product availability and whether an admitted or non-admitted option is used varies by state and by carrier — Some Available States may only have limited carrier options. Why Work With Chenango Brokers on BOP As a wholesale broker, Chenango Brokers delivers focused underwriting and fast service for small business BOPs. We help you solve placement problems that can stall a bind: prior losses, gaps in coverage, businesses under two years old, and other hard-to-place characteristics. Our team provides quick quotes, clear underwriting requirements, and access to multiple carrier options to increase the chance of placement for deserving risks. Service Commitment Chenango Brokers has the knowledge and dedicated staff to provide fast service and quick-turnaround quotes to you and your clients. Please note that not all of our carriers and products are available in every state. Example scenarios that fit this program You have a small downtown restaurant in operation for 18 months with one minor slip-and-fall claim last year — this program may provide an admitted BOP with property and GL coverages when standard markets decline. An owner of a mixed-occupancy building seeking a combined property/liability package and available lessor’s risk coverage — Chenango can help determine admitted or surplus placement based on state availability and loss history. We will be one call all you need to make to help service your client needs! Frequently Asked Questions What types of accounts are a good fit for Chenango Brokers’ BOP program?The program is aimed at Main Street small businesses — restaurants, office and wholesale operations, garages, apartments and mixed-occupancy properties, and lessor’s risk accounts. We also work with newer businesses (under two years) and accounts with a limited or minor loss history that other markets may decline. Which states and admitted options are available?We place business in AL, AZ, CT, FL, GA, IL, MD, NV, NJ, NY, OH, OK, OR, PA, RI, TX, VA and WA. Admitted versus non-admitted availability depends on the carrier and state; some markets are only available in select states. What should I include with a submission to get a fast decision?Provide a completed ACORD application, detailed description of operations, up-to-date loss runs, and prior policy declarations or explanations for any coverage gaps. Clear documentation helps speed underwriter review and improves placement chances. How does prior loss history affect placement?Minor, infrequent losses are usually manageable; repeated or large losses may require higher retentions, underwriting controls, or placement in a surplus market. We evaluate each file individually and will advise on the best options and any recommended risk improvements. Need help placing an account? Connect with a market specialist.