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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.

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Pizza Parlor Insurance Program from Demetriou Group Demetriou Group offers a focused Pizza Parlor Insurance program built for the unique operational and delivery risks of pizzerias, pizza parlors, and pizza delivery operations. As a Managing General Agency (MGA), Demetriou Group gives independent agents streamlined access to multiple carriers and underwriters experienced with food service risks, helping you place new or renewal business more efficiently. Ideal Accounts and Appetite This program is tailored for a range of pizza-focused operations, including: Independent pizza parlors and dine-in restaurants Take-out and delivery operations Franchise locations (subject to underwriting) Fast-casual or limited seating pizza shops Preferred submissions are accounts with established loss controls, documented safety procedures for kitchen and delivery staff, and complete prior loss histories. Accounts with consistently maintained premises, routine training for delivery drivers, and prior coverage are the best fit. High-risk features (e.g., large-scale catering, extensive late-night operations, or chronic open-flame exposures without controls) will require additional review and may be restricted. Coverage Highlights and Advantages The Pizza Parlor Insurance program provides a flexible package of commercial coverages to match common exposures in this niche: General Liability for third-party BI/PD exposures Property coverage for buildings, equipment, stock, and refrigeration Business Income & Extra Expense for interruption recovery Liquor Liability where liquor sales are present Commercial Auto available for delivery vehicles Workers’ Compensation offered through select carriers Because Demetriou Group works with multiple markets, agents can often secure admitted placement where required or explore non-admitted options to expand capacity for tougher risks. Underwriting Notes and Minimum Premiums Submissions should include a completed application, current loss runs, and specific details on delivery operations (numbers of drivers, vehicle types, GPS or telematics usage, and delivery radius). Typical underwriting considerations include cooking equipment (deep fryers, broilers), hood suppression systems, fire protection, and hours of operation. Businesses that operate past midnight, or that use independent contractors for deliveries, will receive closer scrutiny. Minimum premiums vary by state, size of operation, and chosen coverages. Contact Demetriou Group for the program's current underwriting guidelines and minimums. Example fits: A neighborhood pizzeria with dine-in seating, 6–10 employees, and company-owned delivery vehicles — clean loss history and documented kitchen fire suppression. A small regional franchise with multiple locations, centralized safety protocols, and a record of prior coverage — suitable for admitted placement where available. Territories and Availability This program is available to licensed agents in Connecticut, Maine, Massachusetts, New Hampshire, New Jersey, New York, Pennsylvania, Rhode Island, and Vermont. Coverages can be written on an admitted basis where applicable and subject to carrier authority and state regulation. Why Work With Demetriou Group? Demetriou Group specializes in restaurant and hospitality risks. They provide responsive underwriting, a pragmatic approach to kitchen and delivery exposures, and access to multiple carriers—helping you match the right market to each pizza parlor account. Whether you're placing a small start-up or reshopping a long-standing operation, Demetriou Group offers program flexibility and market access to get accounts bound. Learn more about Demetriou Group on their CompleteMarkets profile. Frequently Asked Questions What types of pizza businesses are eligible for this program?The program is ideal for independent pizzerias, take-out and delivery operations, dine-in pizza restaurants, and some franchise locations depending on underwriting. Is delivery service covered under this program?Yes. Commercial Auto for company-owned delivery vehicles is available; coverage depends on vehicle usage, driver qualifications, and delivery radius. What states is this program available in?This program is available in CT, ME, MA, NH, NJ, NY, PA, RI, and VT. Do you offer coverage through admitted carriers?Yes. Admitted coverage is available in the listed states where carriers have authority; non-admitted options may be used for broader capacity when needed. What is the minimum premium for this program?Minimum premiums vary by state and the scope of coverages selected. Contact Demetriou Group for current minimums and underwriting criteria. 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.

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.

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 ExecutivePerils, Inc. ExecutivePerils, Inc. offers a comprehensive Employment Practices Liability (EPL) insurance program designed to help agents and brokers place coverage for businesses facing the growing risks of employment-related claims. With access to over 35 top-rated insurance carriers, ExecutivePerils delivers flexible, non-admitted solutions tailored to the unique needs of your clients across a wide range of industries. Ideal Accounts and Target Classes This EPL program is suitable for both private and public companies, as well as non-profit organizations. Ideal insureds include mid-sized to large employers that may be exposed to claims involving: Wrongful termination Discrimination (age, race, gender, etc.) Workplace harassment (including sexual harassment) Retaliation claims Wrongful discipline or failure to promote You might have a client in the healthcare, hospitality, retail, or technology sector that has recently expanded and is concerned about employment practices compliance. This program can help you offer them robust protection in a tightening legal environment. Coverage Highlights and Advantages No Intentional Acts Exclusion – broader protection for insureds facing claims where intent is disputed. Expanded definition of a “Wrongful Employment Act” – increased clarity and scope of covered events. Policy is non-cancelable except for non-payment of premium – stability for long-term planning. Extension of coverage to the lawful spouse of the insured – supports broader protection for key individuals. Named Peril coverage for employment claims arising from company internet and email usage – addresses modern digital exposures. ExecutivePerils’ form flexibility and broad definitions make this program well-suited for clients with a complex employment structure or multi-state operations. Underwriting Notes and Minimum Premiums Each submission is underwritten individually, with attention to the client’s size, risk profile, and past claims history. While there is no stated minimum premium, submissions should reflect meaningful EPL exposures to be considered. ExecutivePerils works with brokers to craft customized solutions based on risk appetite and market conditions. Territories and Availability This program is available in all 50 states and the District of Columbia, including key markets like California, New York, Florida, and Texas. As a non-admitted offering, it provides flexibility in coverages and pricing strategies not always available in admitted markets. Why Work with ExecutivePerils, Inc.? ExecutivePerils is a trusted resource for professional and executive liability placements. Their deep underwriting expertise, market access to over 35 carriers, and focus on client-specific solutions make them an ideal partner for agents and brokers navigating the complex landscape of EPLI. Whether your client is responding to a recent incident or proactively managing future risk, ExecutivePerils provides the tools and marketplace relationships to help you deliver tailored EPL coverage with confidence. Frequently Asked Questions What types of accounts are a good fit for this Employment Practices Liability program?This program is ideal for mid-sized to large private companies, non-profits, and select public entities with employment exposures, especially those in healthcare, hospitality, retail, and technology sectors. Is this EPL coverage admitted or non-admitted?This is a non-admitted program, allowing for greater flexibility in coverage terms and underwriting. Do you require a minimum premium for submissions?There is no fixed minimum premium, but accounts should represent meaningful EPL exposure to be considered. Each risk is individually underwritten. What are some unique features of this EPL policy?Key features include no intentional acts exclusion, an expanded definition of wrongful employment acts, and coverage for internet and email-related employment claims. In which states is this program available?This program is available in all 50 states and the District of Columbia. 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...