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High Value Homeowners Insurance from Continental Risk / Continental Marine Insurance Services Continental Risk / Continental Marine Insurance Services offers a flexible and competitive High Value Homeowners Insurance program designed to help agents and brokers place coverage for affluent clients with unique or complex property exposures. With access to both admitted and non-admitted markets, we can help you find the right solution for clients whose properties exceed traditional homeowners insurance limits or fall outside standard underwriting guidelines. Ideal Accounts and Appetite This program is best suited for high net worth individuals who own primary, secondary, or seasonal homes with high replacement cost values, often located in areas with increased exposure such as wildfire zones, coastal regions, or hurricane-prone territories. We consider all dwelling types (excluding working farms), including luxury estates, vacation homes, and custom-built residences. All construction types are considered, though certain restrictions may apply for properties located in catastrophe-prone areas. Examples of ideal accounts include: A $2.5M beachfront vacation home in Florida requiring windstorm and flood considerations. A luxury modern home in California’s wildfire zone needing higher dwelling limits and extended replacement cost coverage options. Coverage Highlights and Advantages Our High Value Homeowners Insurance markets offer: Coverage A limits starting at $500,000, with Total Insured Values up to $10,000,000. Protection for a variety of dwelling types and occupancy structures. Access to both admitted and non-admitted options, depending on the risk and location. Competitive solutions for challenging territories and unique property characteristics. Underwriting Notes and Minimum Premiums All submissions must include completed ACORD applications. Please email submissions to [email protected] for quoting. Minimum premiums vary depending on the location, dwelling value, and coverage requirements. We recommend contacting our underwriting team early to discuss any unusual risks or exposures. Territories and Availability We offer High Value Homeowners Insurance coverage across all U.S. states and territories, subject to aggregate availability in catastrophe-prone regions. This includes high-risk states such as California, Florida, Texas, Louisiana, and New York, among others. Our broad geographic reach allows you to serve clients with complex property portfolios in multiple states. Why Work With Continental Risk / Continental Marine Insurance Services? As a trusted General Agency and Excess & Surplus Lines Broker, Continental Risk / Continental Marine Insurance Services brings extensive expertise in placing hard-to-insure risks. We work closely with a range of carriers to offer flexible and responsive solutions tailored to high-value homeowner clients. Our team is committed to helping agents and brokers succeed with fast turnarounds, expert underwriting support, and access to niche markets. If you’re ready to explore options for your high-value homeowner clients, contact our office at 866-699-2747 or send your submission to [email protected]. Frequently Asked Questions What types of accounts are a good fit for this program?High net worth individuals with homes valued at $500,000 or more, especially those in catastrophe-prone or high-value areas, are ideal for this program. Do you offer coverage in catastrophe-prone areas?Yes, we can provide coverage in catastrophe-prone regions, including coastal and wildfire zones, subject to aggregate availability and underwriting guidelines. Are both admitted and non-admitted markets available?Yes, we offer access to both admitted and non-admitted markets depending on the location and risk profile of the property. What documentation is required for a quote?We require completed ACORD applications submitted to [email protected] to begin the quoting process. Can I place secondary or seasonal homes through this program?Yes, we consider primary, secondary, seasonal, and vacation homes, provided they meet the program’s underwriting criteria. Need help placing an account? Connect with a market specialist.

Comprehensive Habitational Insurance Solutions from Continental Risk / Continental Marine Insurance Services Continental Risk / Continental Marine Insurance Services offers a dedicated Habitational Insurance program for agents and brokers placing coverage for multi-unit residential property risks. The program provides tailored solutions for apartment complexes, condominium associations, townhome communities, and mixed-use buildings with residential components across a broad geographic footprint. Ideal Accounts and Target Classes This program is designed for insureds who own or manage multi-unit residential properties, including: Apartment buildings (market-rate and affordable housing) Condominium associations Townhome and townhouse communities Mixed-use buildings with residential units Whether your client is a single-property owner, an investor with several complexes, or a property management company, the program can be structured to match different risk profiles and operational models. Coverage Highlights and Available Limits The Habitational Insurance program includes core coverages that address the primary exposures faced by residential property owners: General Liability – $1M per occurrence / $2M aggregate Property Coverage – Up to $5M Total Insured Value (TIV) per location Additional optional or package components commonly available include: Hired & Non-Owned Auto liability Employee Benefits liability Equipment Breakdown coverage These coverages help your clients manage the financial impact of property damage, liability claims, and operational interruptions so they can focus on maintaining occupancy and cash flow. Underwriting Approach and Minimum Premiums Continental Risk / Continental Marine works with a mix of admitted and non-admitted markets to provide flexibility in placement. Underwriting evaluates each submission on its individual merits; key factors include location, construction type, age and condition of building systems, occupancy, management practices, and prior loss history. Minimum premium levels vary by state, limits, and specific risk characteristics. Submissions demonstrating good maintenance, recent system upgrades (roofing, electrical, fire protection), and favorable loss histories generally receive stronger terms. Risks with older construction, recurring claim activity, or significant deferred maintenance are considered but will require detailed documentation and may face more restrictive terms. Territorial Reach The Habitational Insurance program is available nationwide, including all 50 states and Washington, D.C. Continental Risk / Continental Marine can place business in admitted markets where available and use non-admitted solutions where appropriate to achieve the coverage or limits your client needs. Why Work With Continental Risk / Continental Marine Insurance Services? As a wholesale broker, Continental Risk / Continental Marine brings decades of habitational placement experience and relationships with multiple carriers. Agents benefit from: Access to both admitted and non-admitted markets Underwriting expertise focused on multi-unit residential exposures Flexible program structures and available endorsements tailored to property operations Responsive service to help place difficult or specialty habitational risks Example scenarios where this program is a strong option: you have a client managing a 60-unit apartment complex in a coastal area with some older construction and recent system upgrades, or a condominium association seeking higher liability limits and equipment coverage. Continental Risk / Continental Marine can help package those accounts and submit to the markets most likely to offer competitive terms. To learn more about placing habitational accounts through this program, contact the team at Continental Risk / Continental Marine Insurance Services. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include apartment complexes, condominium associations, townhome communities, and mixed-use buildings with residential units. What are the liability and property coverage limits offered?The program offers general liability limits of $1 million per occurrence and $2 million aggregate, with property coverage available up to $5 million TIV per location. Are both admitted and non-admitted carriers available?Yes, Continental Risk / Continental Marine works with a variety of carriers, including admitted markets in select states and non-admitted options where appropriate. What underwriting information is needed for a quote?Typical submissions should include property details, construction year, updates, occupancy, loss history, and current coverage information. Is this program available in all states?Yes, the Habitational Insurance program is available in all 50 states and Washington, D.C. Need help placing an account? Connect with a market specialist.

Allied Healthcare Insurance Program from Continental Risk / Continental Marine Insurance Services Continental Risk / Continental Marine Insurance Services offers a comprehensive Allied Healthcare Insurance program designed to meet the evolving needs of healthcare facilities and professionals. As an excess & surplus lines broker with access to A-rated carriers, we provide flexible solutions for a wide range of allied health exposures. Our team understands the fast-changing healthcare landscape and delivers coverage options that help agents and brokers protect their clients from complex liability risks. Ideal Accounts and Target Classes This program is well-suited for a broad spectrum of healthcare providers and facilities. You can confidently place accounts in the following classes: Clinics and outpatient centers Laboratories and diagnostic testing centers Medical spas and aesthetic clinics Home health agencies Small hospitals Pharmacies Individual healthcare professionals, including: Therapists Pharmacists Physician Assistants Nurse Anesthetists Whether your client operates a small diagnostic lab or is an independent practitioner, this program offers scalable protection tailored to their needs. Coverage Highlights and Options Our Allied Healthcare program offers a variety of coverage structures to fit the unique exposures in the healthcare industry: Primary professional liability Claims-made professional liability and general liability (claims-made or occurrence) Follow-form excess and umbrella available Incident-sensitive coverage trigger Bilateral extended reporting period up to 7 years Defense costs inside or outside limits of liability Optional coverages include: Damages-only deductible HIPAA civil monetary penalty coverage Vicarious liability for named insureds related to sexual acts Disciplinary proceeding coverage Data breach coverage Billing error defense cost reimbursement Sexual abuse sublimits Underwriting Guidelines and Premiums The program offers primary liability limits up to $5,000,000. Minimum premiums start as low as $1,500 for many classes, making it an accessible solution for small to mid-sized accounts. Our underwriting team evaluates each submission carefully to match the right protection with each client’s operations and risk profile. You might have a client who recently opened a wellness-focused medical spa or a home health agency expanding into new states—this program is built to support those types of growing, specialized businesses. Territories and Market Access Coverage is available in all 50 states and Washington, DC. We offer both admitted and non-admitted options through A-rated carriers, allowing for flexibility in placement depending on client needs and jurisdictional requirements. Why Work with Continental Risk / Continental Marine Insurance Services? With decades of experience in the healthcare and marine sectors, Continental Risk / Continental Marine Insurance Services delivers value through deep market knowledge, responsive service, and access to specialized insurance solutions. Our Allied Healthcare program helps you offer your clients protection against today’s most pressing liability risks in the healthcare space. Partner with us to gain a competitive edge in placing complex healthcare accounts. Frequently Asked Questions What types of accounts are a good fit for this Allied Healthcare program?The program is ideal for clinics, labs, medical spas, home health agencies, small hospitals, pharmacies, and licensed healthcare professionals such as therapists and physician assistants. Is coverage available nationwide?Yes, this program is available in all 50 states and Washington, DC, with both admitted and non-admitted markets depending on the state and risk profile. What is the minimum premium for this program?Minimum premiums start as low as $1,500 for many eligible classes, making it a viable option for small to mid-sized healthcare operations. Can I offer optional coverages to customize the policy?Yes, optional coverages such as HIPAA penalty coverage, data breach, and disciplinary proceedings can be added to tailor the policy to your client's needs. What types of limits are available?The program offers primary liability limits up to $5,000,000, along with follow-form excess and umbrella coverage options. Need help placing an account? Connect with a market specialist.

Continental Marine offers Jet Ski Rental Insurance Coverage Highlights for Jet Ski Rental Insurance Program: Admitted A+ rated carrier 24-hour quote turnaround for jet ski rental insurance Renter trailer allowed on a submit basis Single-unit operations to large fleets Premises liability offered for boat/jet ski rental programs New operations welcome Continental Risk / Continental Marine Insurance Services offers a focused Jet Ski Rental Insurance program designed for the specific risks of personal watercraft rental operations. Whether your client runs a single jet ski or a multi-location rental fleet, this program helps you place liability and premises exposures common to recreational watercraft rentals. Ideal Accounts and Appetite This program targets personal watercraft rental businesses, including jet skis and WaveRunners. It works for small, seasonal operators, established marinas, and larger fleet managers. Startups are accepted, and accounts that provide renter trailers can be considered on a submit-for-approval basis. Examples of suitable accounts: A beachside rental operation with five jet skis expanding to guided tours — coverage that accommodates both rental and on-site liabilities. A marina-based operator with a larger fleet and multiple rental locations seeking consolidated limits and premises liability coverage. Coverage Highlights and Advantages Support from an A+ admitted carrier for financial stability in most available markets Fast service with most quotes returned within 24 hours when submissions are complete Flexible underwriting that accommodates single-unit operators up to large fleets Optional premises liability tailored for watercraft rental exposures Ability to submit additional exposures, such as renter trailers, for review The program is structured to address common rental exposures: bodily injury and property damage from operation of personal watercraft, on-site slips and falls, and liability arising from renter negligence. Coverage forms and limits are intended to be practical for the recreational marine sector while remaining market-competitive. Underwriting Notes and Minimum Premiums The program has a minimum premium starting at $500, making it accessible for smaller operations and seasonal businesses. Underwriting looks for basic operational information including: rental procedures, safety and training protocols, maintenance schedules, location details (beachfront vs. inland), average rental durations, and any guided-tour activities. Trailer rentals and other ancillary services should be disclosed up front as they are considered on submission. Territories and Availability Available in most U.S. states, including both coastal and inland markets. States where this program is actively written include: 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 Continental Risk / Continental Marine Insurance Services? As an experienced Excess & Surplus Lines broker specializing in the recreational marine sector, Continental Marine blends underwriting expertise with responsive service. Agents benefit from access to A+ admitted capacity in many markets, quick quote turnarounds, and a willingness to consider a range of account sizes and new ventures. The program is designed to help you place jet ski rental accounts efficiently while addressing the specific operational risks your clients face. If you would like further information about our Jet Ski Rental Insurance program, please feel free to contact our office. Frequently Asked Questions What types of accounts are a good fit for this program? Personal watercraft rental businesses — from single-unit operators to large fleets — are ideal. New ventures and seasonally operated businesses are welcome. Is premises liability included in the coverage? Yes. Premises liability is available as part of the boat/jet ski rental offering to help protect against on-site exposures such as slips, falls, and dock-related incidents. Can jet ski trailer rentals be included in coverage? Trailer rentals can be considered on a submit-for-approval basis. Provide operation details and usage patterns to support underwriting. How quickly can I expect a quote? Most quotes are turned around within 24 hours when the submission includes the required underwriting information and loss history (if applicable). In which states is this program available? The program is available in nearly all U.S. states, including both coastal and inland regions. See the list above for full state availability. Need help placing an account? Connect with a market specialist.

Architects & Engineers Liability Program from Continental Risk / Continental Marine Insurance Services Continental Risk / Continental Marine Insurance Services offers a tailored program for design, engineering and environmental consulting firms. Our Architects & Engineers Professional Liability, Commercial General Liability (CGL) and Contractors Pollution Liability package is structured to address the technical, contractual and pollution exposures common to these professions—allowing you to place multi-line liability solutions for clients who work on environmentally sensitive or highly regulated projects. Ideal Accounts and Appetite This program targets a range of professional service providers, including: Engineering firms and independent engineers Environmental consultants and remediation contractors Testing laboratories and analytical service providers Oil & gas consultants and specialty technical consultants We can handle small to mid-sized firms and select larger or more complex operations that carry contractual pollution exposures. Accounts with routine site work, sample transportation, laboratory analysis, or scope-of-work exposure to released pollutants are a primary focus. Coverage Highlights and Advantages This program combines three core liability protections into a single placement to reduce gaps between disciplines: Architects & Engineers Professional Liability — Coverage for errors, omissions or negligent acts in the performance of professional services. Commercial General Liability (Occurrence) — Occurrence-form CGL for bodily injury, property damage and related general liability claims arising from A&E operations. Contractors Pollution Liability — Coverage for third-party liability tied to the release, migration or transportation of pollutants. Key endorsements and program features available include: Media & Technology extensions Onsite Cleanup endorsement tailored for laboratories Transportation of Pollutants Liability Blanket Primary & Non-Contributory wording Hired & Non-Owned Auto endorsements Limits are available up to $2 million, subject to underwriting and carrier appetite. Underwriting Notes and Minimum Premiums Underwriting considers professional revenue, services performed, pollution exposures, claims history and contractual requirements. Minimum premiums vary by risk type, limits and territory; Continental Risk’s underwriting team works directly with appointed agents and brokers to size coverages and structure terms appropriate to each submission. Preferred submissions include detailed scopes of services, sample contracts, any pollution control procedures and loss runs where available. We welcome accounts with complex contractual obligations or higher pollution risk, but this is exclusively a non-admitted solution—placements are handled on a surplus lines basis. Territories and Availability This program is available on a non-admitted basis in all 50 states and the District of Columbia, including 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 Continental Risk / Continental Marine Insurance Services? As a general agency and excess & surplus lines broker, Continental Risk brings focused expertise in hard-to-place liability and pollution risks. We maintain relationships with multiple carriers experienced in technical exposures, and we structure layered solutions to help you meet contract requirements while managing environmental liability risk. Our team supports brokers with underwriting guidance, bespoke endorsements, and flexible wording options when standard markets decline or require tailored pollution language. Example account scenarios you might place through this program: A regional environmental lab that performs onsite sampling and small-scale cleanup services and needs combined professional, CGL and pollution transport coverage. An engineering firm contracted to provide site assessments and design services for brownfield redevelopment that requires primary non-contributory limits and pollution liability endorsements. For more information about accessing the program and submission requirements, please visit our company profile. Frequently Asked Questions What types of accounts are a good fit for this program?This program is well suited to engineers, testing laboratories, environmental consultants, and oil & gas consultants that have professional liability and pollution exposures. Is this program admitted in any states?No. This program is offered on a non-admitted (surplus lines) basis in all available states and the District of Columbia. What is the maximum limit of liability available?Limits are available up to $2 million, depending on the risk profile and underwriting evaluation. Are pollution-related endorsements included?Yes. The program includes Contractors Pollution Liability and offers endorsements such as Onsite Cleanup and Transportation of Pollutants where appropriate. What states is this program available in?This program is available in all 50 states and Washington, D.C., on a non-admitted basis. Need help placing an account? Connect with a market specialist.

..., and other specialized equipment haulers Units may be scheduled individu...er-operators, small fleets, and large trucking companies up to 1,000 owned uni...

...lnerability, pollutant release for fuel haulers, and passenger liability for livery ...loss history. Are hazardous material haulers eligible?Only petroleum-based haulers are typically eligible. Risks inv...

...rom 1 to 1,000+ units Specialty haulers such as auto, RV, and boat transport...DOT filings as part of the contingent cargo offering to help your forwarder cl...

... and timeline Transportation and motor truck cargo insurance Warehouse legal liability...