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When it comes to placing trucking insurance for your clients, the process can be complex. At Gladius Insurance Services, we offer a dedicated Trucking Program (For Hire Trucking) designed for agents who need an admitted solution with fast turnaround and broad appetite for common freight classes. This program works with an A+13 admitted carrier and an in-house rating platform to deliver quick, competitive quotes. Program Features In-house rating for faster proposals and bindable quotes. Trailer interchange coverage — additional physical damage protection for non-owned trailers that are covered under a trailer interchange agreement. Motor carrier filings — we provide Form E to certify compliance with state financial responsibility laws. BMC-91X submission — we submit filings to the FMCSA and guarantee liability limits for interstate transport when required. MCS-90 endorsement — added when a federal filing is required; selecting MCS-90 also applies the Pollution Broadening Endorsement automatically. Overview — How this program helps your clients Gladius Insurance Services provides a wholesaler program tailored for for-hire trucking operations where admitted placement, motor carrier filings, and efficient underwriting matter. The program is set up to support a variety of common commodities — building materials, dirt, sand & gravel, household goods, livestock, machinery, paper products, stone and rock, and similar hauls — while ensuring regulatory filings and endorsements are handled correctly. Ideal Accounts and Appetite For-hire trucking operations with 9 or fewer power units. Primary commodities: construction materials, aggregates, household goods, machinery, livestock, paper, and similar freight. Stable operations with consistent dispatching and documented safety practices. Accounts that require admitted coverage and formal FMCSA filings. Coverage Highlights and Advantages Access to an A+13 admitted carrier — good for agents who prefer admitted placements. Trailer interchange physical damage coverage for non-owned trailers under interchange agreements. Motor carrier filings (Form E, BMC-91X) and MCS-90 handling reduce administrative burden for you and your insured. Automatic application of Pollution Broadening Endorsement when MCS-90 is selected. In-house rating speeds up quoting and binding compared with traditional manual submissions. Underwriting Notes and Requirements To qualify for this program, accounts must meet the following minimum underwriting criteria: 9 or fewer power units. Full, current 3-year loss runs required. Maximum operating radius: 500 miles (no exceptions). Less than 100,000 annual miles per vehicle. Satisfactory FMCSA safety scores and reviews. Minimum physical damage deductible: $1,000. Applicants are subject to inspection. Drivers: at least 25 years old, hold a Commercial Driver’s License (CDL) for a minimum of 3 years, and no major violations in the last 3 years. Territories and Availability This program is offered through Gladius Insurance Services as an admitted solution. Availability is subject to state filings and carrier appetite; currently listed availability includes AZ. For placement in other states or multi-state risks, please contact Gladius to confirm admitted availability and any territorial limitations. Why place this business with Gladius Insurance Services? Wholesale broker with a trucking-focused program and an admitted market partner for agents who need admitted options. Streamlined quoting via in-house rating plus support for required FMCSA filings and endorsements. Designed for small to mid-sized for-hire trucking operations that need compliant coverage and quick turnaround. Example accounts that fit this program A regional hauler with six power units transporting construction aggregates within a 300-mile radius, with clean 3-year loss runs and acceptable FMCSA scores. A household goods carrier operating under trailer interchange agreements who needs admitted liability, physical damage, and MCS-90 filings for interstate moves. For more information about accepted and non-accepted risks, or to request a speeding fast quote, contact Gladius Insurance Services via your usual wholesaler channel or send an email to the Gladius underwriting team. Frequently Asked Questions What types of accounts are a good fit for the Gladius Trucking Program?Small to mid-sized for-hire carriers with up to 9 power units hauling commodities such as building materials, aggregates, household goods, machinery, and similar freight. Accounts should have stable operations, acceptable FMCSA records, and full 3-year loss runs. Does this program handle FMCSA filings and endorsements?Yes. Gladius handles motor carrier filings including Form E and BMC-91X submissions, and adds the MCS-90 endorsement (with Pollution Broadening) when a federal filing is required. Are non-owned trailers covered?Yes. The program offers trailer interchange physical damage coverage for non-owned trailers that are under a valid trailer interchange agreement. What are the key underwriting restrictions I should screen for before submitting?Confirm the account has 9 or fewer power units, operates within a 500-mile radius, averages under 100,000 miles per vehicle annually, provides full 3-year loss runs, meets FMCSA safety criteria, and can meet the minimum $1,000 physical damage deductible. Drivers must meet the age and CDL experience requirements. Need help placing an account? Connect with a market specialist.

Affordable • Dependable • Knowledgeable NORMAN-SPENCER AGENCY – Auto Insurance Overview of the Program From Norman-Spencer Norman-Spencer Agency, Inc. offers a comprehensive Auto Insurance program designed to meet the diverse needs of your clients. Whether you’re placing coverage for individual commercial vehicles or fleets, our broad market access and dedicated underwriting team make it easy for you to find the right fit. With a national footprint and deep knowledge of specialized industries, we help agents deliver tailored solutions that address today’s auto-related exposures. Ideal Accounts and Appetite We work with a wide range of commercial auto risks across multiple industries. Ideal accounts include: Contractors with owned and operated fleets Delivery services, including food, courier, and medical supply Home healthcare providers using employee vehicles (Hired & Non-Owned) Specialty vehicles such as boom trucks and concrete pumpers Environmental services and consultants with mobile crews You might have a client with a small fleet of vehicles used for local deliveries or a construction firm needing insurance for heavy equipment transport. We have options for both and more. Coverage Highlights and Advantages Norman-Spencer’s Auto Insurance solutions are part of a broader suite of commercial coverages, including General Liability, Property, Inland Marine, Workers Compensation, Umbrella, and Excess. This allows you to offer complete protection packages under one roof. Our program is built for flexibility and supported by multiple carriers to accommodate a wide range of underwriting scenarios. Specialty divisions—such as Sunderland Insurance for Hired & Non-Owned Auto and JC Stevens for crane and pumper vehicles—bring additional expertise to niche markets. Underwriting Notes and Minimum Premiums We partner closely with agents and carriers to identify needs and build custom solutions. While minimum premiums may vary by risk and carrier, our broad market access allows us to find competitive options across the spectrum. Norman-Spencer underwriters are responsive, collaborative, and committed to helping you win and retain business. Territories and Availability Our Auto Insurance offerings are available nationwide, including all 50 states and Washington, DC. Whether your client is operating in a single state or across multiple regions, Norman-Spencer has the reach and resources to support your placement. Why Work With Norman-Spencer Norman-Spencer is more than just a market—we are your partner in building long-term client relationships. Our approach is centered on collaboration, innovation, and doing what it takes to help you succeed. With multiple divisions and specialized programs, we bring insight and capacity to even the most complex auto risks. Visit www.norman-spencer.com to learn more, or explore our specialty divisions: Sunderland Insurance – Hired & Non-Owned Auto for delivery and home healthcare sectors JC Stevens Inc. – Boom Truck/Crane and Concrete Pumper Insurance CONTACT US TODAY! PH 866-930-5570 FX 937-432-1635 www.norman-spencer.com [email protected] *Terms and coverages subject to change without notice. Frequently Asked Questions What types of accounts are a good fit for this Auto Insurance program?We are ideal for contractors, delivery services, healthcare providers using employee vehicles, and specialty risks like boom trucks, concrete pumpers, and environmental service fleets. Is this Auto Insurance program available in all states?Yes, our program is available in all 50 states and Washington, DC. Does Norman-Spencer offer solutions for Hired & Non-Owned Auto risks?Yes, through Sunderland Insurance, a division of Norman-Spencer, we specialize in Hired & Non-Owned Auto coverage for food delivery, couriers, and home healthcare services. Can I bundle Auto coverage with other lines?Absolutely. We offer a full suite of coverages including General Liability, Property, Inland Marine, Workers Compensation, and more to build comprehensive packages for your clients. What makes Norman-Spencer different from other MGAs?Our collaborative approach, deep industry knowledge, access to multiple carriers, and niche divisions allow us to craft tailored solutions and support agents throughout the placement process. Need help placing an account? Connect with a market specialist.

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Crouse and Associates offers a robust Transportation Insurance program specifically designed for fleets operating regionally and nationally. This program is ideal for local to long-haul trucking operations, with a focus on accounts operating in the 11 Western States, including CA, AZ, WA, OR, NV, and more. For agents and brokers looking to place trucking risks, this program provides access to flexible coverage solutions through both admitted and non-admitted markets. Our underwriting appetite starts at 5+ power units for trucking accounts in the Western U.S. and 10+ units for other states. Whether your client is hauling produce, building materials, or bulk liquids, we offer tailored solutions to help you meet their operational and regulatory needs. Target Risks and Ideal Accounts We work with a wide range of transportation classes, including but not limited to: General Commodities Haulers Bulk Liquid Transporters Flatbed Operators Pneumatic and Tanker Units Refrigerated (Refers) Freight Agricultural Haulers Containerized Freight Movers Building Materials and Equipment Haulers Accounts transporting incidental hazardous consumer packaged goods are also considered. If you have a client operating a 7-unit reefer fleet serving California and Nevada or a 12-unit flatbed operation hauling construction materials across the Pacific Northwest, this program is a strong fit. Coverage Highlights Our Transportation Insurance program offers a comprehensive suite of coverage options to help agents and brokers build the right package for their clients: Truck Liability Motor Truck Cargo Physical Damage Hired and Non-Owned Auto Occupational Accident Trailer Interchange Excess / Umbrella Liability General Liability Underwriting Guidelines and Premiums Minimum premiums vary depending on coverage selections, fleet size, and operating territory. Most available markets are non-admitted, allowing for flexible underwriting and pricing solutions for challenging or specialized risks. We work with a variety of carriers to match your clients with competitive and appropriate coverage options. Territory and Availability This program is available in the following states: Arizona, California, Colorado, Idaho, Montana, New Mexico, Nevada, Oregon, Texas, Utah, Washington, and Wyoming. For risks outside the Western U.S., we typically require 10 or more power units to consider placement. Why Work With Crouse and Associates? As a Managing General Agency and Excess & Surplus Lines Broker, Crouse and Associates brings deep expertise in the transportation sector. We offer agents access to multiple markets, responsive underwriting support, and the ability to place both standard and hard-to-place trucking accounts. Our team is committed to helping you find the right solutions for your clients quickly and efficiently. Please contact us for more information on our Transportation Insurance program! Frequently Asked Questions What types of accounts are a good fit for this program?We target trucking operations with 5 or more units in the Western U.S. and 10 or more units elsewhere. Ideal risks include haulers of general commodities, bulk liquids, agricultural products, and construction materials. Is this program available in all states?No, the program is currently available in AZ, CA, CO, ID, MT, NM, NV, OR, TX, UT, WA, and WY. What coverages are included in the Transportation Insurance program?Coverages include Truck Liability, Motor Truck Cargo, Physical Damage, Hired/Non-Owned Auto, Occupational Accident, Trailer Interchange, Excess/Umbrella, and General Liability. What is the minimum premium for this program?Minimum premiums vary depending on the size and scope of the operation, as well as coverage selections and territory. Contact us for specific underwriting requirements. Can you write accounts that include hazardous materials?We can consider accounts hauling incidental hazardous consumer packaged goods. Heavier exposures may be outside our appetite. Need help placing an account? Connect with a market specialist.

When you place your bar, tavern, or nightclub risks with Midlands Management Corp, you're choosing a partner with deep experience in hospitality-related exposures. Our Bar Tavern Nightclub Insurance program offers tailored coverage solutions designed to protect your clients’ operations, employees, and patrons. With flexible underwriting, competitive pricing, and a broad range of coverage options, Midlands helps you deliver the protection your clients need—while earning attractive commissions. Why Midlands for Bar, Tavern, and Nightclub Insurance? Midlands Management Corp is a trusted Managing General Agency and Excess & Surplus Lines Broker with decades of underwriting expertise in the hospitality sector. Our knowledgeable team understands the unique risks that bars, nightclubs, and similar venues face—whether it's liquor liability, assault and battery, equipment breakdown, or food spoilage. We work quickly and efficiently to help you secure coverage that meets your clients' specific needs. Ideal Accounts and Target Classes: • Bars • Taverns • Pubs • Jazz Clubs • Dance Venues • Wine Bars • Martini and Cognac Bars • Cowboy/Western Bars • Lounges • Comedy and Piano Bars • Microbreweries • Liquor and Package Stores • Grocery Stores with alcohol sales • Fraternal Organizations • Wineries and Wholesale Distributors • Country Clubs • More hospitality-related risks You might have a client operating a high-traffic nightclub with live entertainment and a full bar, or a boutique wine bar with small plate service—Midlands has market access and underwriting solutions for these and many other establishments. Available Coverages: • Property (subject to coastal wind exclusions) • General Liability • Liquor Liability – package or monoline • Umbrella/Excess up to $10,000,000 • Business Income • Employment Practices Liability (EPLI) • Food and Beverage Spoilage • Equipment Breakdown • Assault and Battery • Defense Outside the Limit of Liability • Valet Operations • Hired and Non-Owned Auto Liability Program Highlights: • A.M. Best rated “A” or better carriers • Fast quote turnaround • Low minimum premiums (varies by account) • Flexible limits that adjust to client size and exposure • Competitive rates and commissions • Superior claims handling and customer service Underwriting and Market Details: We work with multiple markets, offering both admitted and non-admitted options depending on the state and account characteristics. Our underwriters evaluate each risk based on operations, security measures, claims history, entertainment types, and other key factors. We welcome submissions ranging from small neighborhood pubs to large, multi-location bars and clubs. Territories: This program is available in most U.S. states, including AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Let’s Work Together Midlands is a favorite among agents because we deliver what you need: responsive service, underwriting flexibility, and reliable coverage solutions for complex bar and nightclub risks. Whether your client is opening a new venue or looking to enhance existing protection, we can help. Email us today at [email protected] for more information or submission requirements. Frequently Asked Questions What types of accounts are a good fit for the Bar Tavern Nightclub Insurance program?This program is ideal for bars, lounges, nightclubs, pubs, jazz clubs, dance venues, and similar hospitality businesses. We also consider liquor stores, microbreweries, wineries, and fraternal organizations. Is liquor liability available as a standalone policy?Yes, liquor liability can be written as either part of a package or as a monoline policy, depending on the needs of your client. What are common underwriting considerations for this program?Underwriters evaluate factors such as type of entertainment, hours of operation, security measures, prior claims history, and alcohol sales to determine eligibility and pricing. Are assault and battery and hired/non-owned auto coverages available?Yes, both assault and battery and hired/non-owned auto liability are available as part of this program, subject to underwriting approval. In which states is this program available?The Bar Tavern Nightclub Insurance program is offered in most U.S. states, including CA, TX, FL, NY, and many others. Contact us to confirm availability in your client’s location. Need help placing an account? Connect with a market specialist.

Colonial General Insurance Agency, Inc. offers a specialized Towing Services Insurance program to help appointed agents place coverage for clients that operate tow trucks and related services. With deep expertise in garage and towing risks, Colonial General partners with agents to tailor commercial garage solutions that address exposures on the road and on the premises. Ideal Accounts and Appetite This program is designed for tow truck operators who tow for hire and for garage operations that need commercial garage coverage. Colonial General prefers accounts that meet the following basic criteria: Operators with a minimum of 2 years of driving experience Businesses engaged in towing for hire (not repossession work) Garage-related operations seeking comprehensive commercial garage policies Accounts with clean or otherwise manageable loss histories Note: Repossession businesses and operators engaged in repossession activities are not eligible for this program. Coverage Highlights and Advantages Colonial General’s Towing Services Insurance program provides a range of commercial garage coverages to address common and complex towing exposures: Garage Liability: Limits up to $1,000,000 per accident Liability Aggregate: Up to $3,000,000 Garage Keepers: Provided on a primary basis with specified causes of loss In-Transit Coverage: Available on a legal liability basis Dealers Physical Damage and Broadened Coverages False Pretense and Fire Legal Liability Medical Payments: $5,000 Property Coverage: Available for garage premises and business property All in-transit limits per vehicle must be equal to or lower than the garage keepers limit, per underwriting rules. Underwriting Notes and Minimum Premiums Colonial General leverages admitted and non-admitted markets to give agents flexibility when placing towing risks. Underwriting focuses on driver experience, the insured’s operational history, vehicle schedules, and loss activity. While minimum premium levels are not published, policies must meet the program’s underwriting criteria to bind coverage. Territories and Availability This towing insurance program is available in the Western U.S. states of Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Colonial General’s regional focus helps address state-specific exposures and costs common to towing operations in these states. Why Work With Colonial General Insurance Agency, Inc.? As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General combines niche underwriting expertise with access to multiple markets. Agents benefit from a responsive underwriting team able to place standard and non-standard garage and towing risks, including accounts with complex exposures that require tailored wording or non-admitted capacity. Their Western regional focus and experience with commercial garage classes make them a practical partner for agents placing tow-for-hire accounts. Frequently Asked Questions What types of accounts are a good fit for this towing insurance program?Tow truck operators who tow for hire, have at least two years of driving experience, and operate standalone towing businesses or garage shops are the best fit. Repossession businesses are excluded. Is Garage Keepers coverage provided on a primary or excess basis?Garage Keepers coverage is offered on a primary basis with specified causes of loss to protect customer vehicles while in the insured’s care. What states is this program available in?The program is available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Can I get coverage for in-transit towing exposures?Yes. In-transit coverage is available on a legal liability basis, subject to underwriting and alignment with the garage keepers limit. What makes Colonial General a strong partner for towing risks?Colonial General offers specialized garage underwriting, access to admitted and surplus markets, and hands-on support for agents placing towing and commercial garage accounts in the Western U.S. Need help placing an account? Connect with a market specialist.