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Overview — Continental Risk: Products Liability Insurance Continental Risk / Continental Marine Insurance Services places products liability insurance for manufacturers, distributors, importers, retailers and contractors through its excess & surplus lines markets. This program is designed to handle both standard product exposures and harder-to-place risks where admitted markets may be unavailable or unsuitable. Coverage can include liability for bodily injury and property damage arising from a covered product, as well as completed operations exposure. Ideal Accounts and Target Classes This program is a fit for insureds that need flexible surplus lines solutions and specialty underwriting attention. Typical classes we consider include: Body armor and ballistic apparel manufacturers and importers Consumer appliances and electronics makers Firearms and ammunition manufacturers, distributors and importers (including replicas and law-enforcement lines) Food and beverage processors, including alcoholic beverage producers Machinery and industrial equipment manufacturers Material handling equipment and conveyor system manufacturers Recreational and extreme sports equipment suppliers Tobacco and e-cigarette manufacturers and importers Toys, games and apparel manufacturers and retailers Coverage Highlights and Advantages Access to multiple E&S carriers with appetite for specialty product lines and higher-severity risks. Completed operations coverage to protect contractors and manufacturers after product installation or servicing. Ability to consider risks with complex distribution channels, import exposures or international supply chains. Underwriting flexibility for non-standard limits, deductibles and endorsements that admitted carriers may not offer. Underwriting Notes and Submission Requirements Continental Risk evaluates each risk on its merits. Typical information underwriters will request includes: Product descriptions, labeling and warning language Annual and product-line revenue, production volumes and distribution channels (domestic vs. international) Claims and loss history, including warranty and recall experience Quality control, testing procedures and safety certifications Manufacturing locations and any contract manufacturing or private-label arrangements Because this program operates in the surplus lines marketplace, minimum premiums, retentions and specific terms will vary by carrier and by state. Appetite, Typical Restrictions and What May Not Fit The program actively considers many hard-to-place product risks but will routinely decline accounts that lack basic loss control, have unresolved or frequent large claim activity, or involve certain regulated pharmaceuticals or medical devices that require specialized admitted markets. Broad exclusions and specific carrier guidelines will apply per submission. Territories and Availability Available through Continental Risk as an E&S broker in the following jurisdictions: 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. Because this is a non-admitted placement, filings and eligibility are governed by state surplus lines rules. Why Place Products Liability with Continental Risk Specialized E&S brokerage with relationships across multiple carriers to place unusual or higher severity product risks. Experienced underwriting team that understands manufacturing, import and distribution exposures. Practical approach to submissions—underwriters will work with brokers to define appropriate terms, retentions and risk transfer solutions. Example Accounts You might submit a mid-sized electronics importer who needs product liability and completed operations coverage for devices sold nationwide, or a manufacturer of protective ballistic garments seeking an insurer that understands testing and certification exposures. Both would benefit from surplus lines flexibility and tailored endorsements. Please contact Continental Risk’s underwriting team for specific appetite confirmations and submission instructions. Frequently Asked Questions What types of product classes are a good fit for this program?The program targets manufacturers, importers, distributors and retailers of specialty and hard-to-place products, including body armor, firearms and ammunition, consumer electronics, machinery, food and beverage processors, recreational equipment, tobacco/e-cigarette lines, toys and apparel. If admitted markets are limited or coverage needs are unusual, this E&S option is often appropriate. What submission materials should I include?Provide product descriptions, annual and product-line revenue, distribution details (including exports), loss/claim history, safety testing/certifications, recall or warranty experience, and information on manufacturing locations or contract manufacturing arrangements. The more complete the submission, the faster underwriting can provide terms. Is this coverage admitted or non-admitted?Continental Risk places these products liability programs through surplus lines carriers (non-admitted). State surplus lines rules apply, and availability will vary by state. Are completed operations exposures included?Yes—completed operations liability is routinely available for contractors, manufacturers and installers under this program, subject to carrier guidelines and the specifics of the submitted operations. How are premiums and minimums handled?Minimum premiums, deductibles and capacity vary by carrier and by the risk submitted. Underwriting will provide guidance on expected minimums after reviewing the exposure and loss history. Need help placing an account? Connect with a market specialist.

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USG Insurance Services, Inc. is a national wholesaler and managing general agent (MGA) with 18 offices across the country and the ability to write in all 50 states. Built from the ground up by some of the top executives in insurance, USG continues to expand operations nationwide while providing innovative solutions for the risk management industry. The USG team consists of experts divided not by territory, account size, or coverage who can help meet all commercial insurance account needs. We are problem solvers for all commercial lines coverages and specialize in hard-to-place risks, providing our agents with focused expertise and solutions. In 2016, USG is celebrating 15 years in business and continues to outpace industry growth metrics with a state-of-the-art Service Center, Marketing Department, and IT Department. We have also branched out into several specialty divisions, including AAU: Allied American Underwriters, Brokers Financial Services, BFS Inspections, Into Innovations and Aureate. Our forward-thinking technology continues to evolve through our proprietary system, I3x, that expedites quote process and policy service; and through the launch of a new online and phone quoting system, INS LINK, that will streamline small transactional accounts and bring in additional opportunities nationally. USG's corporate office is located in Tampa, Florida; and our flagship office is located in Canonsburg, Pennsylvania. Targeted Classes Include: Pleasure & Business Aircraft Flight Schools Helicopters Airport & Heliport Liability Aviation Products & Manufacturers Fixed Based Operators Charter Operators Powerline/Pipeline Patrol Hangars Space Satellites & Aerial Applications Coverages: Casualty Property & Contents Hull Workers' Compensation

Umbrella and Excess Casualty Insurance Solutions from Continental Risk / Continental Marine Insurance Services If you're looking to place Umbrella and Excess Casualty Insurance for your clients, Continental Risk / Continental Marine Insurance Services offers access to a wide array of domestic and international markets. Whether the account is small or large, we can help you find competitive coverage solutions tailored to your client’s risk profile and industry. Ideal Accounts and Target Classes Our program is designed to meet the needs of diverse industries and operations. We target a broad range of classes, including but not limited to: Auto buffer layers and small auto fleets Cosmetics and personal care manufacturers Farm and contractor equipment rental operations Commercial and residential contractors Farm and ranch businesses Forest products: pulp, paper, lumber, and wood processing Habitational risks: apartments, condos Heavy industrial operations and machine shops Recreational facilities and resorts Sporting goods manufacturers and retailers Special event organizers and venues Truck and trailer manufacturers If you have clients in other industries, we encourage you to reach out—our market relationships may still offer a fit. Coverage Highlights and Advantages Our Umbrella and Excess Casualty Insurance offerings provide flexible protection that sits over your clients’ primary liability policies. We support both follow-form excess over occurrence and claims-made forms, giving you the flexibility to design layered coverage for complex risk profiles. This type of coverage is ideal for clients needing additional limits to satisfy contractual requirements or to protect against catastrophic liability exposures. Whether your client is a mid-sized manufacturer, a regional contractor, or a hospitality business hosting high-traffic events, we can help you secure the excess capacity needed to safeguard their assets. Underwriting Notes and Minimum Premiums Minimum premiums and carrier selection vary based on risk class, limit requirements, and jurisdiction. Our experienced underwriting team works closely with agents to structure terms that match the insured's operations and coverage goals. We can entertain both single-location and multi-state operations, and we are equipped to tackle layered programs as needed. Our access to both admitted and non-admitted markets allows us to craft solutions for standard and hard-to-place risks alike. Territories and Availability We are licensed or have market access in nearly all U.S. states, 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, WY. Why Work With Continental Risk / Continental Marine Insurance Services? As an experienced Excess & Surplus Lines Broker, Continental Risk / Continental Marine Insurance Services brings deep market access and underwriting insight to every submission. We are committed to helping agents and brokers win accounts by offering responsive service, flexible options, and competitive pricing across a wide range of industries. Whether you're trying to place a contractor with auto exposure or a manufacturer needing additional limits beyond their GL, we’re here to support you with the right coverage solutions and market access. Frequently Asked Questions What types of accounts are a good fit for this Umbrella and Excess Casualty program?We target a wide variety of industries, including contractors, manufacturers, habitational risks, recreational facilities, and more. Both small and large accounts are welcome. Can you write excess coverage over both occurrence and claims-made primary policies?Yes, we offer follow-form excess coverage over both occurrence and claims-made forms, depending on the underlying policy structure. Are both admitted and non-admitted markets available?Yes, we have access to both admitted and non-admitted markets, giving us flexibility to place standard and harder-to-place risks. Is there a minimum premium requirement?Minimum premiums vary based on the specific account, industry class, and coverage limits required. Contact our office for underwriting guidance. In which states is this program available?We can write business in nearly all U.S. states, including CA, TX, FL, NY, and many others. Reach out to confirm availability in your client’s location. Need help placing an account? Connect with a market specialist.