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Insurance Program Managers Group (IPMG) offers specialized Claims Management Services for Self Insurance Clients designed to help your clients reduce liability and workers’ compensation costs. With extensive experience managing diverse program business risk pools and self-insured retention (SIR) structures, IPMG brings a proactive, results-focused approach to claims handling that benefits both insureds and their brokers. Whether your client is a municipality, healthcare facility, educational institution, or commercial business pursuing more control over claims expenditures, IPMG’s in-house claims management team offers the tools and expertise to deliver efficient resolution and long-term cost containment. Our aggressive approach to claims resolution consistently helps clients achieve better outcomes while safeguarding their bottom line. Ideal Accounts and Appetite This program is ideal for self-insured entities or clients utilizing SIR structures who want to improve claims oversight and reduce overall program costs. IPMG is particularly well-suited for: Public entities such as cities, towns, and counties School districts and other educational institutions Healthcare organizations and hospital systems Mid- to large-size commercial businesses with self-insurance components If you work with clients who are exploring self-insurance to control costs or already have a program in place but need better performance, IPMG provides the claims infrastructure and expertise to support them. Coverage Highlights and Advantages IPMG's Claims Management Services include a full suite of tools and support to enhance claims outcomes: Dedicated adjuster model for personalized service Online claims reporting and real-time access via our proprietary InSight portal 24-hour contact on all new claim submissions Quarterly claim file reviews and stewardship meetings Customizable service plans tailored to your client’s operational needs Compliance with Medicare Section 111 reporting requirements Integrated nurse case management and pharmacy drug card program Underwriting Notes and Minimum Premiums This is a non-admitted program tailored to self-insured and SIR-based clients. IPMG reviews each submission carefully to ensure alignment with their claims philosophy and service capabilities. While no set minimum premium is listed, the program is geared toward accounts with meaningful claims volume and complexity where specialized claims handling can add measurable value. Territories and Availability IPMG’s Claims Management Services are currently available in Florida, Illinois, Minnesota, Missouri, and Wisconsin. Brokers with clients operating in these states can take full advantage of IPMG’s regional expertise and responsive service model. Why Work With IPMG With a 95% client retention rate, IPMG has earned a reputation for transparency, results, and client-focused service. Their proprietary InSight platform gives your clients full visibility into claims progress, including notes, documentation, and financials. Regular stewardship meetings help ensure accountability and continuous improvement. Brokers appreciate IPMG’s commitment to integrity and long-term partnership. Whether you’re placing a new self-insured account or looking to improve outcomes for an existing one, IPMG’s Claims Management Services offer the tools and support to help you deliver value to your clients. Frequently Asked Questions What types of accounts are a good fit for this program?This program is best suited for self-insured entities or those with SIR structures, including municipalities, school districts, healthcare systems, and mid- to large-size commercial businesses. What services are included in IPMG’s claims management offering?Services include online claims reporting, dedicated adjusters, quarterly reviews, nurse case management, Medicare compliance reporting, and access to the InSight portal for full claim transparency. Can IPMG handle claims in multiple states?Yes, IPMG currently provides Claims Management Services in Florida, Illinois, Minnesota, Missouri, and Wisconsin. How does IPMG help reduce claims costs for self-insured clients?By using aggressive claims handling, early intervention, and regular performance reviews, IPMG helps clients resolve claims efficiently and reduce loss costs over time. Is there a minimum premium requirement?There is no stated minimum premium, but the program is designed for accounts with significant claims exposure where specialized claims handling adds value. Need help placing an account? Connect with a market specialist.

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Railroad Protective Liability Insurance Program from Victor O. Schinnerer & Company, Inc. Victor O. Schinnerer & Company, Inc. offers a specialized Railroad Protective Liability Insurance program designed to help contractors and property owners manage the unique risks associated with working on or near railroad tracks. As a trusted Managing General Underwriter with access to top-rated carriers such as Chartis, Schinnerer provides targeted insurance solutions that meet railroad requirements and protect your insureds from potential liabilities. Ideal Accounts and Appetite This program is tailored for entities that own, manage, or perform work on property intersected by or adjacent to railroad lines. Ideal accounts include: Contractors performing construction, maintenance, or utility work near railroad property Property owners with private grade crossings on their land Municipalities or private developers working on infrastructure projects that intersect railroad rights-of-way If you have a client who is contracted for a roadway improvement project that crosses active railroad tracks, or a private landowner with a rail crossing gate, this program can provide the necessary project-specific liability coverage. Coverage Highlights and Advantages The Railroad Protective program from Schinnerer offers comprehensive coverage designed to satisfy railroad indemnification requirements and protect against third-party claims arising from operations near railroads. Key features include: Project-specific policies tailored to individual contracts or jobs Coverage for private grade crossings located on private property Automatic inclusion of terrorism coverage Limits available up to $5 million per occurrence These features help ensure your clients remain compliant with railroad risk transfer requirements while gaining peace of mind during project execution. Underwriting Notes and Minimum Premiums Schinnerer has streamlined the underwriting process for this niche market, helping agents secure fast quotes and binders. Minimum premiums start at: $3,000 for contractor-related projects $1,250 for private railroad crossings Underwriters evaluate each submission based on the scope of work, project duration, proximity to the railroad, and other key risk factors. Territories and Availability This program is available in all 50 states and Washington, D.C., offering national access for agents and brokers with clients across the U.S. Admitted coverage is available, ensuring compliance and ease of placement in regulated markets. Why Work with Victor O. Schinnerer & Company, Inc.? With decades of experience in program administration and underwriting, Victor O. Schinnerer & Company, Inc. is a trusted partner for placing specialized liability risks. Their Railroad Protective Liability Insurance program combines expert underwriting, competitive pricing, and broad appetite to help agents meet the needs of clients involved in rail-adjacent projects. When you work with Schinnerer, you gain access to a responsive team and reliable carrier partnerships to help you secure the right protection for your railroad-exposed accounts. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include contractors working near railroad property, property owners with private grade crossings, and developers involved in rail-adjacent infrastructure projects. Is this program available in all states?Yes, the Railroad Protective Liability Insurance program is available in all 50 states and Washington, D.C. What are the minimum premiums for this program?Minimum premiums start at $3,000 for contractor projects and $1,250 for private grade crossings. Does the policy include terrorism coverage?Yes, terrorism coverage is automatically included in the Railroad Protective Liability Insurance policy. What limits are available under this program?Limits are available up to $5 million per occurrence, depending on the specific project needs and underwriting review. Need help placing an account? Connect with a market specialist.

At Insential, Inc., we understand that placing Commercial General Liability Insurance can be complex due to varying carrier appetites, industry classifications, and jurisdictional nuances. Our experienced team specializes in navigating these challenges to help independent agents and brokers secure the right coverage for their clients across a wide range of industries and operations. Overview of the General Liability Program Insential offers access to a wide array of General Liability Insurance markets, including both admitted and non-admitted options depending on state and class of business. We are an Excess & Surplus Lines Broker with strong market relationships and flexible underwriting capabilities. Whether you’re working with a startup operation or a multi-state business, we can help you find the right solution for your insureds. Ideal Accounts and Appetite Our program supports nearly all classes of general liability business, with special appetite for: Contractors and construction-related risks (including artisan trades) Retail and wholesale operations Light to mid-manufacturing Lessor’s risk only (LRO) and commercial real estate Hospitality and service businesses You might have a client who’s launching a new landscaping business or one who owns several retail locations—Insential can help you find the right general liability solution to meet their risk profile and budget. Coverage Highlights and Advantages Coverage terms and availability will depend on the carrier, state, and class of business, but our markets typically offer: Primary General Liability limits up to $1M/$2M or higher Products and completed operations coverage Contractual liability Optional endorsements based on industry need Excess/Umbrella coverage available when needed Underwriting Notes and Minimum Premiums Minimum premiums vary by class, state, and carrier. We strive to provide competitive solutions for both small and mid-size accounts. Our underwriting team evaluates each submission based on operations, loss history, and carrier fit. We'll help you navigate the submission process to present your client's risks clearly and efficiently. Territories and Availability Insential can place General Liability coverage in all 50 states and Washington, D.C. We work with a broad range of carriers (availability and admitted status may vary by state), ensuring flexibility and access for agents nationwide—including hard-to-place or unusual risks. Why Work With Insential? As a trusted Excess & Surplus Lines Broker, Insential brings deep market knowledge and underwriting expertise to every account. Our team is responsive, solution-oriented, and committed to helping independent agents succeed. Whether you need help placing new business, renewing a challenging account, or finding options for a niche exposure, we’re here to support you every step of the way. Check out all our storefronts for more detailed information or call Insential Inc today for help with all your Commercial General Liability Insurance needs! – 888-571-6160 Frequently Asked Questions What types of accounts are a good fit for Insential’s General Liability program?Our program is well suited for contractors, retail businesses, manufacturers, LROs, and service-based operations. We also consider harder-to-place or unique classes on a case-by-case basis. Is this coverage available in all states?Yes, Insential can offer General Liability markets in all 50 states and Washington, D.C., subject to carrier appetite and local regulations. Are both admitted and non-admitted options available?Yes, we have access to both admitted and non-admitted carriers, depending on the state and the specific risk profile of the account. What information is needed to submit an account?We typically require a completed ACORD application, supplemental forms (if applicable), loss runs, and a detailed description of operations to begin underwriting. Can you help with accounts that have prior losses or are new ventures?Yes, we consider new businesses and accounts with prior losses. Each submission is reviewed individually to determine the best available options. Need help placing an account? Connect with a market specialist.

Scurich Insurance Services has been serving businesses in the Bay Area since 1924. Among other business insurance coverages, we specialize in Workers Compensation Insurance for employers across the Monterey Bay area. We work with agents and brokers to place competitive, appropriately underwritten Workers Comp programs that protect employees and reduce employer exposure. Overview of the Program from Scurich Insurance Services This program is designed for independent agents who need a responsive market for California Workers Compensation accounts. Scurich combines local underwriting knowledge with long-standing carrier relationships to help you secure the right coverage and pricing for small- and mid-sized employers. Our focus is practical: get a competitive rate, help control costs, and assist you in managing the account through policy term and renewals. Ideal Accounts and Appetite Small to mid-sized employers in Monterey Bay and surrounding Central Coast communities. Target classes: retail, restaurants and food service, light manufacturing, contractors and trades, landscapers, healthcare clinics, professional services, property management, and similar low-to-moderate hazard operations. Good fit: employers with regular payrolls, reasonable loss history, and interest in loss-control or return-to-work programs. Likely not a fit: large accounts with complex, high-hazard exposures or heavy out-of-state operations without prior discussion. Coverage Highlights and Advantages Core Workers Compensation coverage for medical costs, wage replacement, and employer liability defenses. Practical underwriting that considers payroll, class codes, loss history, and experience modification to target competitive premiums. Support for loss-control and claims management to help reduce long-term costs and improve client retention. Local market expertise — underwriting and service focused on California regulatory and care patterns specific to the Monterey Bay region. Underwriting Notes and Placement Guidance When submitting, provide completed payroll detail by class code, the most recent loss runs, and information about safety or return-to-work programs. Accounts with clean or improving loss history and documented safety practices typically receive the most favorable consideration. For accounts with elevated losses, highlight any corrective actions taken and your client's plan to reduce future claims. Territories and Availability Available in CA, with emphasis on Monterey Bay and nearby Bay Area communities. If an account has multi-state operations, include those details up front — it helps underwriters evaluate placement options promptly. Why Work with Scurich Insurance Services on Workers Compensation Nearly a century of local presence and experience in the Bay Area market. Agent-focused service: underwriting guidance, competitive quoting, and help managing renewals and loss-control conversations with clients. Flexible approach to a wide range of small- and medium-sized employer classes common to the Monterey Bay economy. We will: Get you a competitive rate with the right coverage. Save you money. Help you manage your program. Common employer myths — and the realities agents can explain to clients Myth: “I only have part-time or a few employees, so I don't need Workers Comp.” Reality: Workers Compensation covers medical expenses and lost wages from job-related injuries and protects against employee lawsuits; many customers or contracts require coverage regardless of employee count. Myth: “My employees would never sue me.” Reality: Injured workers may pursue large bills for medical care and related damages. Workers Comp provides defense resources and limits employer liability exposure. Myth: “Workers Comp is too expensive; I'll pay out-of-pocket if something happens.” Reality: Severe injuries, prolonged disability, and litigation can be far costlier than coverage. Workers Comp also supports return-to-work and medical management to minimize long-term costs. Myth: “My workplace is safe; accidents won't happen.” Reality: Accidents occur even in safe environments; a single mishap can create substantial medical and liability expense. Myth: “Medical costs in Workers Comp are unmanageable.” Reality: Recent trends show medical inflation in Workers Comp has been comparable to group health; cost-containment programs and regulation have moderated growth in many areas. Scurich Insurance Services has been serving the Monterey Bay Area since 1924. To make sure your clients have this essential protection for their workers at an affordable cost, place their Workers Compensation business with Scurich through your wholesale or brokerage channels and give us a call to discuss submissions and appetite. Frequently Asked Questions What types of accounts does Scurich prefer for this Workers Compensation program?Scurich focuses on small- to mid-sized employers in Monterey Bay and nearby California communities—retail, restaurants, light manufacturing, contractors, landscapers, healthcare clinics, and similar low-to-moderate hazard classes typically fit well. What documents should I include with a submission?Provide payroll by class code, the most recent loss runs (usually 3–5 years), a description of operations, and any safety or return-to-work programs. Additional detail on subcontracting or multi-state exposure speeds underwriting. Are there common declinations or restrictions I should expect?High-hazard operations, significant out-of-state payroll, or extremely adverse loss histories may require referral or additional underwriting. Discuss borderline accounts with Scurich underwriters before submitting. How does Scurich help with account management after placement?Scurich provides underwriting support at renewal, guidance on loss-control practices, and assistance coordinating carrier resources to help contain claim costs and improve client outcomes. Need help placing an account? Connect with a market specialist.

Aviation Insurance Experts — Plimsoll Specialty Markets Has You Covered When your clients have aviation exposures, you need a wholesale partner with deep, practical experience in aerospace insurance. Plimsoll Specialty Markets, LLC is a wholesale broker that brings decades of aviation underwriting and placement knowledge to help retail agents and brokers navigate this specialized market. Our aviation team provides consultative support and direct market access for nearly every aviation-related risk. Whether a client owns a corporate jet, operates a flight school, maintains aircraft on the ground, or manufactures aerospace components, we work with you to source competitive, tailored coverage. Ideal Accounts and Classes We specialize in hard-to-place and niche aviation risks, including: • Corporate jet and private aircraft operators • Commercial aircraft and helicopter operators • Aircraft component and aerospace product manufacturers • Public-use airports and helipads • Aircraft repair and maintenance organizations (MROs) • Airport service contractors: fueling, catering, janitorial, baggage handling, lavatory services, and more • Department of Defense (DOD) aviation contractors • Fixed Base Operators (FBOs) • Flight schools and aviation training centers If your client’s operations touch the aviation ecosystem, there is a strong chance we have a market that fits. Coverage Highlights and Placement Advantages Plimsoll Specialty provides access to a broad set of aviation products and placement strategies that can be structured to a client’s operational risk: • Aircraft Hull & Liability Insurance • Aviation General Liability • Airport General Liability (public airports) • Aerospace Products Liability • Workers’ Compensation for flight operations, MROs, and contractors • Non-Owned Aircraft Liability • Airshow and Helipad Liability • Professional Liability for aviation-related services • Hangar Property Insurance Coverage can be structured with limits starting at $1 million and, in many cases, up to $2 billion. We work to match policy terms and limits to the client’s exposure rather than forcing one-size-fits-all solutions. Underwriting Expertise and Flexibility Our underwriters are industry veterans who understand aviation operations, contract language, and liability drivers. We help you assemble strong submissions and present them to the right carrier partners. Plimsoll Specialty works with multiple carriers and offers both admitted and non-admitted options depending on the risk and jurisdictional needs. Typical Appetite and Common Restrictions We are best suited for accounts with identifiable aviation operations and documented risk controls. Typical fits include corporate aircraft operations, certificated and non-certificated operators, MROs, manufacturers of aircraft components, airport operators, and aviation services contractors. Extremely high-risk operations without established safety programs, uncertified experimental operations, or exposures outside standard regulatory compliance may be declined or require specialized terms; contact us early on these accounts so we can assess marketability. Example Account Scenarios • You have a mid-sized corporation with a light jet used for executive travel — we can package hull and liability with crew and non-owned exposures. • You represent an FBO that provides fueling, line service, and hangar rental — we can combine airport GL, hangar property, and optional contractors’ exposures. • You insure an aerospace component manufacturer supplying avionics parts — we can seek products liability and premises coverage tailored to the manufacturing operations. Available Nationwide We can place aviation risks in all 50 states plus Washington, D.C. Whether your client operates at a major hub or a rural airstrip, we’ll help find the right fit across admitted and non-admitted markets. Why Partner With Plimsoll Specialty? Plimsoll Specialty gives retail agents and brokers a strategic advantage on aviation business: market access, technical underwriting guidance, and competitive intelligence. We support submission prep, help clarify exposures and exclusions, and provide placement options that improve your client service and retention. Our team also helps you explain product nuances to insureds so you can confidently present solutions. Let our aviation specialists help you navigate this niche market with flexible solutions and responsive service. Contact us today to discuss your next aviation risk, or visit our website: https://www.plimsollspecialty.com/ Frequently Asked Questions What types of aviation risks are best suited for this program?We specialize in a wide range of aviation exposures including private jets, commercial helicopters, airport operations, aircraft maintenance, flight schools, and aviation contractors. Can you help with high-limit liability placements?Yes. We can place coverage with liability limits ranging from $1 million to $2 billion, depending on the risk profile and market availability. Is this program available in all states?Yes, we offer Aviation Insurance solutions in all 50 states and Washington, D.C. Do you offer both admitted and non-admitted options?Yes. We have access to both admitted and non-admitted markets to ensure flexibility based on your client’s needs and jurisdictional requirements. What kind of support do you provide to retail agents?We offer consultative underwriting support, technical expertise, and help navigating coverage options so you can confidently advise your clients and compete effectively. Need help placing an account? Connect with a market specialist.

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Personal Safeguards Group, LLC specializes in Contractual Liability Insurance Policies (CLIP) and Service Contract Reimbursement Insurance Policies (SCRIP), providing tailored solutions for manufacturers, retailers, and service contract providers nationwide. These programs are essential tools for businesses offering extended warranties or service contracts in industries such as automotive, consumer electronics, jewelry, appliances, fitness equipment, LED lighting, generators, marine, RV, and solar energy systems. If you work with clients who offer service contracts—such as a car dealership selling extended warranties or a solar panel installer offering long-term service agreements—this program helps them transfer risk and ensure compliance with financial responsibility regulations. Personal Safeguards Group works closely with agents and brokers to evaluate the structure of each service contract program and place appropriate coverage through top-rated insurers. Ideal Accounts and Appetite This program is designed for: Manufacturers and retailers offering extended product warranties Administrators of service contract programs Automotive dealerships with vehicle service contract (VSC) programs Providers of warranties on appliances, electronics, jewelry, and more Whether your client is launching a new service contract program or needs support for an existing portfolio, Personal Safeguards Group can help structure a compliant and sustainable insurance solution. Coverage Highlights and Advantages The Contractual Liability Insurance and Service Contract Reimbursement Insurance programs offer: Protection for financial obligations under service contracts and warranties Customizable policy structures based on client needs and program design Support for compliance with regulatory and licensing requirements Access to markets that understand the extended warranty and service contract space These coverages ensure that your clients’ customers receive the service they’ve been promised—even if your client experiences financial stress. Underwriting Notes Underwriting typically considers factors such as: Product type and service contract structure Sales volume and claims history Administrative controls and reserve funding Personal Safeguards Group will work with you to gather the necessary documentation and program details to evaluate the risk and present it to appropriate markets. This is a non-admitted program, which allows for flexibility in policy structuring depending on the client's needs. Territories and Availability This program is available in most U.S. states, including but not limited to: CA, TX, FL, NY, IL, PA, GA, and WA. Personal Safeguards Group provides nationwide support with the exception of states with unique regulatory challenges, which can be reviewed on a case-by-case basis. Why Work With Personal Safeguards Group? With deep expertise in the service contract and warranty space, Personal Safeguards Group is not just a placement partner—they’re a strategic advisor. Their focus on CLIP and SCRIP products means they understand the nuances of these programs and can help you craft competitive and compliant insurance solutions for your clients. For more information on Service Contract Reimbursement Insurance: http://www.personalsafeguardsgroup.com/files/SCRIP.html http://servicecontractreimbursementinsurance.com https://contractualliabilityinsurance.com Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include manufacturers, retailers, and service contract administrators offering extended warranties for vehicles, electronics, appliances, jewelry, and similar products. Can this program help a client launch a new service contract offering?Yes. Personal Safeguards Group can help structure insurance solutions for new service contract programs and ensure regulatory and financial responsibility requirements are addressed. Is this program admitted or non-admitted?This is a non-admitted program, allowing for flexible policy design tailored to the needs of service contract providers and administrators. In which states is this program available?The program is available in most U.S. states, including CA, TX, FL, NY, GA, IL, and over 40 others. Availability may vary based on regulatory considerations. Does Personal Safeguards Group help with compliance and program structure?Yes. They offer advisory support to help ensure your clients’ service contract programs are structured in a compliant and financially sound way. Need help placing an account? Connect with a market specialist.

Directors and Officers Insurance for Non-Profit, Private, and Public Companies Donald Gaddis Company offers access to Directors and Officers (D&O) Liability Insurance tailored for non-profit organizations, private companies, and publicly traded entities. As a wholesale broker with access to numerous carriers, Gaddis Co. helps agents secure competitive and appropriate D&O solutions, even for complex or hard-to-place risks. Whether your client is a small charity, a mid-sized manufacturer, or a venture-backed tech firm, Gaddis Co. can help you navigate underwriting and coverage options effectively. Ideal Accounts and Appetite This program is suitable for: Non-profit organizations, including social services, foundations, and religious entities Private for-profit companies in manufacturing, services, and technology sectors Publicly traded companies, especially small-cap firms Claims can arise from investors, donors, competitors, creditors, employees, and regulators. Gaddis Co. understands these risks and helps you protect directors and officers against potentially costly litigation. Coverage Highlights and Advantages D&O policies vary significantly in wording and scope. Some cover the entity and all past and present board members, while others may be limited to specific named individuals. The Donald Gaddis Company team works with you to identify and negotiate the right terms, ensuring your clients get coverage tailored to their structure and exposures. Coverage considerations include: Entity vs. individual coverage Retroactive dates and continuity Defense costs inside or outside limits Exclusions and carve-backs With Gaddis Co.'s help, you can avoid coverage gaps that could result in denied claims when your client needs protection the most. Underwriting Notes and Minimum Premiums When submitting risks, be prepared to identify whether the client is a non-profit, private, or public entity. This classification impacts coverage structure and pricing. For private companies, obtaining financials is a critical step—even if it requires signing a non-disclosure agreement. Gaddis Co. is experienced in working through these sensitivities with you and your clients. Minimum premiums typically start around $750 for small non-profits or private companies with a $1MM limit. Small-cap public companies may see starting premiums in the $7,500–$10,000 range, depending on financials and risk profile. Territories and Availability The program is available in most states, including AL, AZ, CA, CO, FL, GA, HI, IL, IN, IA, KS, MI, MN, MO, NE, NY, NC, OH, OK, PA, SC, TN, TX, VA, WV, and WI. Availability may vary by risk type and carrier appetite. Why Work With Donald Gaddis Company? Donald Gaddis Company is a trusted wholesale broker with deep expertise in management liability products. Their team helps agents and brokers navigate the complexities of D&O coverage, from underwriting to policy wording. They work with many carriers to offer flexible solutions tailored to your clients’ business type and risk profile. You might have a client operating a mid-sized private manufacturing firm with outside investors, or a nonprofit that recently expanded its board. These are exactly the types of accounts Gaddis Co. can help you place with the right D&O markets. Frequently Asked Questions What types of accounts are a good fit for this D&O program?Non-profits, private companies, and small public firms with clear leadership structures and a willingness to provide financials are ideal candidates. Do I need to provide financials to get a quote?Yes, especially for private companies. Financials help underwriters assess risk and determine pricing. Non-disclosure agreements are common and supported. Is this program available for public companies?Yes, the program includes options for publicly traded companies, particularly small-cap firms. Coverage terms and premiums will differ from private or non-profit placements. Can start-ups or venture-backed firms qualify?Yes, but underwriting will closely evaluate investor structure and financial stability. Gaddis Co. has experience with these types of entities. In which states is this program available?This program is available in most U.S. states, including IL, TX, CA, FL, NY, and many others. Check with Donald Gaddis Company for state-specific availability. Need help placing an account? Connect with a market specialist.