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Continental Risk / Continental Marine Insurance Services offers comprehensive Directors and Officers (D&O) insurance solutions tailored for both non-profit and for-profit organizations. This program is designed to help insurance agents and brokers place coverage that protects key decision-makers and entities from a wide array of management liability exposures. The D&O program covers directors, officers, trustees, employees, volunteers, and the organization itself. It goes beyond traditional liability coverage to address complex and emerging risks, including allegations of fraud, misrepresentation, unfair competition, employment practices violations, and mismanagement of employee or pension benefit plans. Ideal Accounts and Appetite Private Companies: Closely held businesses across most industries. Not-for-Profit Organizations: Including charities, associations, and foundations. Public Entities: Select publicly traded companies (contact for underwriting review). Excess Coverage: Available for companies seeking additional layers of protection. Coverage Highlights and Advantages Directors & Officers Liability: Protects insureds from claims related to management decisions and negligence in their executive roles. Fiduciary Liability: Covers fiduciary duties related to employee benefit plans; available on a primary or excess basis. Employment Practices Liability: Addresses claims such as wrongful termination, discrimination, and sexual harassment. Tenant Discrimination Coverage: Helps property owners and managers defend against discrimination claims brought by prospective, current, or former tenants. Underwriting Notes and Minimum Premiums Primary and excess options are available with flexible structuring. Separate limit towers and retentions can be applied for each coverage part. Coverage is non-cancellable except for non-payment of premium. Capacity limits up to $10 million are available. Primary coverage suitable for entities with revenues up to $750 million. Excess coverage available with no revenue threshold. All classes considered except financial institutions. Minimum premiums vary depending on risk characteristics. Territories and Availability Available in all 50 states and Washington, DC. Some markets are admitted, while others are non-admitted, depending on jurisdiction and risk profile. Why Work With Continental Risk Continental Risk is an experienced Excess & Surplus Lines Broker with access to a broad spectrum of carriers. They offer tailored solutions for complex management liability exposures across various industries. Their underwriting team understands the nuanced needs of both non-profit and corporate clients. Responsive service and flexible program design help agents secure competitive coverage for difficult-to-place risks. Whether you have a non-profit board seeking protection for its volunteers or a mid-sized private company concerned about employment practices claims, Continental Risk provides a robust and flexible D&O insurance solution. Their expansive state availability and ability to write both primary and excess layers make them a valuable partner for agents placing management liability accounts. Frequently Asked Questions What types of accounts are a good fit for this D&O program?This program is ideal for private companies, not-for-profit organizations, and select public companies seeking primary or excess Directors and Officers coverage. Does the program include employment practices liability?Yes, Employment Practices Liability Insurance (EPLI) is available and covers claims such as wrongful termination, discrimination, and harassment. Can I write coverage in any state?Yes, this program is available in all 50 states and Washington, DC. Admitted status may vary by market and state. What is the maximum coverage limit available?Capacity limits are available up to $10 million, depending on the risk and coverage part. Is there a revenue cap for eligible accounts?Primary coverage is available for companies with revenues up to $750 million. There is no revenue limit for excess placements. Need help placing an account? Connect with a market specialist.

Overview of the Program From Novatae Risk Group Novatae Risk Group offers a flexible and competitive Standalone Workers' Compensation Insurance program designed to help independent agents and brokers place business across a broad range of industries. With more than 200 eligible class codes, this program is built to accommodate both established businesses and new ventures, including those with owner resumes. Whether you're working with small manufacturers, contractors, retailers, or professional services, Novatae provides access to markets that match your clients' needs. Ideal Accounts and Appetite This program is ideal for small to mid-size businesses seeking dedicated Workers’ Compensation coverage. Eligible classes span a wide array of industries, including but not limited to: Construction and trades (e.g., drywall, electrical, plumbing, masonry) Manufacturing (e.g., furniture, textiles, machinery, electronics) Retail and wholesale businesses (e.g., clothing stores, wine shops, department stores) Professional services (e.g., attorneys, accountants, real estate agencies) Hospitality and service industries (e.g., hotels, janitorial services, auto repair) If you have a block of small accounts or a new venture looking for workers’ comp coverage, this program is well-suited to help you find a home for them. Submissions with complete documentation are processed quickly, helping you deliver timely solutions to your clients. Coverage Highlights and Advantages Access to 200+ eligible classes Fast approvals with complete submissions Only 15% deposit with 9 installment payment options (payroll reporting available) No billing statement fees Highly competitive pricing New ventures accepted with owner resume Willing to consider underwriting blocks of small business accounts If you have a block of "small accounts" you wish to find a home for, and would like to know more, contact [email protected]. Underwriting Notes and Minimum Premiums The minimum premium for this program is $5,000. Underwriting is straightforward but thorough, with the following submission requirements: Completed Acord 130 form 3–4 years of loss runs No lapses in coverage Details on any large losses Supplemental questionnaire Accounts with clean histories and complete submissions are prioritized for quick turnaround. Territories and Availability Novatae’s Standalone Workers’ Comp program is available in most 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, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, DC, WV, and WI. Market availability may vary by state, and Novatae works with a range of carriers depending on jurisdiction. Why Work With Novatae Risk Group? Novatae Risk Group is a Managing General Underwriter and Excess & Surplus Lines Broker with deep expertise in placing complex or underserved Workers' Comp risks. Their broad market access and underwriting flexibility make them a valuable partner for agents and brokers looking to place challenging or niche accounts. Whether you're working with startups, multi-class operations, or accounts with prior claims, Novatae brings the tools and responsiveness you need to close business efficiently. Frequently Asked Questions What types of accounts are a good fit for this Workers’ Comp program?This program is ideal for small to mid-size businesses across 200+ eligible class codes, including contractors, manufacturers, retailers, and professional services. Can new ventures qualify for coverage?Yes, new ventures are acceptable if an owner’s resume is provided as part of the submission. What are the submission requirements?Submissions should include a completed Acord 130, 3–4 years of loss runs, no coverage lapses, details on large losses, and a supplemental questionnaire. Is this program available in my state?It is available in most states nationwide. Contact Novatae to confirm availability and carrier options in your specific state. What is the minimum premium for this program?The minimum premium starts at $5,000, making it suitable for small to mid-size accounts. Need help placing an account? Connect with a market specialist.

...risks when there is demonstrable industry experience or acceptable loss histor...vided there is prior transportation industry experience in management or drive...

...counts New ventures with prior industry experience Accounts with clean loss...ior experience in the cab or livery industry. What liability limits are availa...