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Physicians, surgeons, and nurses have many professional liability options—but allied healthcare professionals often do not. Professional Liability Insurance Services, Inc.® (PLIS®) fills that gap. Our Allied Medical Errors & Omissions Insurance program provides tailored E&O protection for more than 50 allied medical and healthcare-related professions, helping you place clients who don’t fit traditional medical malpractice policies. Ideal Accounts and Appetite This program targets non-physician healthcare and wellness professionals that need customized E&O coverage. Common classes we place include: Adoption placement services Chiropractic assistants Diagnostic X-ray and imaging technicians Drug & alcohol detox facilities Health and fitness centers Home health agencies Massage therapists Occupational therapy clinics If you represent allied health professionals who fall outside standard medical malpractice forms—such as therapy aides, diagnostic service providers, or placement agencies—this program is designed for those risks. Coverage Highlights and Advantages The Allied Medical E&O program is written on a claims-made and reported basis and is offered on a non-admitted platform through Certain Underwriters at Lloyd’s. Limits are available from $100,000 to $5,000,000, with multiple deductible options so you can tailor terms to a client’s risk tolerance and budget. Policyholders also get access to the SRM® 800 “Hotline” service, an unlimited telephone risk management consultation provided by Specialty Risk Management®. The hotline supports insureds on E&O exposures and has handled more than 250,000 client interactions since 1992. Underwriting Notes and Minimum Premiums All submissions are subject to individual underwriting. Premiums depend on the class of business, chosen limits, deductibles, and the account’s specific risk characteristics. Provide a completed application and any available loss history for the quickest and most accurate response from PLIS® underwriting. Territories and Availability This program is available nationwide on a non-admitted basis in all 50 states and Washington, D.C., allowing you to place allied health risks across the country. Why Work With PLIS® As a program administrator focused on professional liability, PLIS® understands allied health exposures. We combine specialized underwriting, a partnership with Lloyd’s for capacity, and value-add risk management through the SRM® hotline to offer a practical solution for brokers placing niche healthcare accounts. In addition to Allied Medical E&O, PLIS® places Miscellaneous E&O (covering 210+ professional categories), Cyber Liability, and Real Estate E&O — useful options when clients have mixed exposures. All coverage features are subject to underwriting and may vary by account. This information is not a guarantee of quote or coverage. Refer to policy wording for complete details. Frequently Asked Questions What types of accounts are a good fit for this program?The program fits allied healthcare professionals such as massage therapists, imaging technicians, home health agencies, occupational therapy clinics, adoption/placement services, and other non-physician providers who need tailored E&O protection. Is this coverage available on an admitted basis?No. Allied Medical E&O is offered on a non-admitted basis through Certain Underwriters at Lloyd’s. Are there minimum premium requirements?Premiums vary by class, limits, deductibles, and risk profile. Contact PLIS® underwriting with the completed application and loss history to determine pricing for a specific account. What is the SRM® Hotline, and who can use it?The SRM® Hotline is a free, unlimited telephone risk management consultation available to insureds in the program. It provides practical guidance on E&O exposures and risk-reduction strategies. Is this program available nationwide?Yes. PLIS® offers this program on a non-admitted basis in all 50 states and Washington, D.C. Need help placing an account? Connect with a market specialist.

The Rockwood Employment Practices Liability Insurance program delivers defense and indemnity protection for claims arising from the employer/employee relationship. The policy is written to defend and indemnify employers — including current, former and prospective employees, directors and officers, and the corporate entity —against a broad spectrum of employment-related claims. Multiple limit and deductible options are available to help you place accounts with varying risk tolerances and budgets. Rockwood’s Employment Practices Liability Insurance Program Coverage Highlights: Coverage for Third Party Wrongful Acts — available Wage-and-Hour coverage — available (subject to sub-limit) Alleged violations of immigration rules — endorsement provided at no cost to the insured (subject to sub-limit) Expanded definition of covered employee to include leased workers, independent contractors, volunteers and interns Advocacy claims defense provided by nationally recognized legal experts Underwritten by member companies of Baldwin & Lyons, Inc. Toll-free hotline available to all Rockwood policyholders Rockwood’s Employment Practices Liability Insurance program uses a streamlined submission process with a two-page application and paperless compliance. Limits are available from $250,000 to $5,000,000 and retentions start as low as $2,500. Some restrictions apply. Overview — Rockwood Programs Employment Practices Liability Rockwood Programs offers this EPLI product as a program administrator focused on easy placement and responsive advocacy for covered claims. The program pairs simplified underwriting with dedicated claims defense resources and access to admitted paper in most available markets. This makes it a practical option for agents seeking an efficient solution for employer-side liability exposures. Ideal Accounts and Appetite This program fits mid-to-small private companies and non-profit organizations across a broad set of industries. Typical accounts include: Professional services firms and small-to-mid sized offices (10–250 employees) Healthcare support services, nonprofits and associations Hospitality, retail and franchise operations with multiple locations The appetite favors insureds with formal HR practices, written policies, and reasonable employment procedures. Higher risk targets (for example, employers with frequent prior employment-related claims or complex class-action wage-and-hour exposures) should be submitted with full details for consideration and may be subject to sub-limits or declination. Coverage Strengths and Advantages - Third-party wrongful acts coverage and a wage-and-hour option provide flexibility when clients need broader protection. - The program’s expanded employee definition helps cover exposures often missed by narrower forms (leased employees, contractors, interns). - Endorsements for immigration-related allegations and access to national advocacy counsel enhance claim response when issues arise. - A toll-free hotline gives insureds quick access to advice that can reduce loss frequency and improve claim outcomes. Underwriting Notes and Minimums Submission is quick: a two-page application and paperless process. Minimum premium and retention vary by state, class and limits — the program lists minimum premium as “varies.” Provide complete loss history, employee counts by class/location, and copies of employee handbooks or policies to accelerate review. For accounts with wage-and-hour exposure or prior EPL claims, include details up front to help underwriting evaluate sub-limits or endorsements. Territories and Availability Program Administrator: Rockwood Programs. Underwriters include Houston Sepc. Insurance Group and Imperium Insurance Company. Admitted status: Most Available Markets. This program is available in: AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, DC. Why Place EPLI with Rockwood Programs Rockwood combines a focused program administrator approach with admitted market access and nationally-recognized defense counsel that specializes in employment claims. The streamlined application and paperless workflow help you move accounts from submission to bind quickly. The program’s flexible limits, available endorsements, and employment advocacy services make it a practical choice for agents placing a wide cross-section of employer accounts. Example Accounts You Might Place - A 75-employee professional services firm with established HR policies seeking limits of $1,000,000 and a modest retention. - A regional retail chain with multiple locations that wants expanded employee definitions and third-party coverage added to their package. Frequently Asked Questions What types of accounts are a good fit for Rockwood’s EPLI program?Small-to-mid sized employers and nonprofit organizations with documented HR practices are the primary targets. The program is designed for accounts that need admitted-market placement, flexible limits ($250k–$5M), and optional wage-and-hour coverage (subject to sub-limits). What does the submission process require?Rockwood uses a two-page application and a paperless submission workflow. Include employee counts, loss runs, and core HR policies or handbooks to speed underwriting. Detailed histories are needed for accounts with prior EPL claims or wage-and-hour exposure. Is third-party wrongful acts and wage-and-hour coverage included?Third-party wrongful acts coverage is available. Wage-and-hour coverage can be offered subject to a sub-limit. Specific availability and sub-limit sizes are determined by underwriting and state filing requirements. Which states and markets are supported?The program is available in most states (see storefront for the full list). Rockwood places business with admitted carriers including Houston Sepc. Insurance Group and Imperium Insurance Company depending on territory and risk profile. Are there service resources for policyholders during a claim?Yes. The program offers advocacy claims defense through nationally recognized legal experts and a toll-free hotline available to Rockwood policyholders for early claim guidance and loss mitigation. Need help placing an account? Connect with a market specialist.

Gateway Specialty Insurance is a wholesale broker focused on placing insurance for nonprofits and social service organizations. As a Berkshire Hathaway company, we concentrate exclusively on this sector to deliver tailored coverage and underwriting expertise that match the unusual risks nonprofits face. Overview of the Program from Gateway Specialty Insurance The Nonprofit and Social Services Insurance Program is built for retail agents and brokers who place nonprofit business. Whether you have a few nonprofit clients or manage a larger book of social service risks, Gateway Specialty gives you access to stable, A++ rated carriers with admitted and non-admitted options. For qualified submissions we typically provide same-day or next-day quotes, and you do not need an appointment or minimum volume to get started. Ideal Accounts and Appetite The program fits a broad range of nonprofit and human services organizations, including: Community outreach programs Substance abuse and mental health services Domestic violence and emergency shelters Job training and workforce development centers Youth mentoring and after-school programs Food banks, meal delivery, and pantry operations You might have a client that runs a small counseling clinic or a regional food pantry — both are well within our appetite. We also consider accounts with social service components that require specialized underwriting due to higher exposure or program complexity. Coverage Highlights and Advantages Gateway’s package options can be tailored to include combinations of: General Liability Professional Liability Abuse and Molestation coverage Directors & Officers (D&O) Property and Inland Marine Workers’ Compensation (where available) Policyholders also gain value through free risk management services such as background checks and an HR hotline, helping clients reduce exposure and manage day-to-day operations. Underwriting Notes and Minimum Premiums We work with top carriers including USLI, CapSpecialty, and Alliance of Nonprofits for Insurance. Our underwriters understand nonprofit operations and common loss drivers, which helps accelerate quoting and binding for routine accounts. Gateway aims to be flexible on premium size and does not require a specific appointment or minimum premium to submit business. For accounts with elevated risk or complex programs, underwriters may request additional information or tailored terms. Territories and Availability This program is available in nearly all states, including AL, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, 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, WI, and WY. Why Work with Gateway Specialty Insurance? Focusing exclusively on nonprofits and social services gives Gateway deep underwriting knowledge and streamlined placement processes. Agents and brokers benefit from: Fast, flexible quoting with A++ rated carriers Admitted and non-admitted market options Dedicated underwriting and program expertise for nonprofits No appointment or volume commitment required Access to free policyholder tools (background checks, HR hotline, etc.) To learn more or get started, visit www.gatewayspecialty.com or call 877-977-4474. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for nonprofits and social service organizations such as counseling centers, food banks, youth programs, shelters, and job training services. Do I need an appointment to submit business?No appointment or premium commitment is required to submit and bind business through Gateway Specialty Insurance. Are both admitted and non-admitted markets available?Yes, we offer both admitted and non-admitted options through top-rated carriers, depending on the state and the risk profile. What value-added services are included for policyholders?Policyholders receive access to free resources such as background checks and a human resources hotline to support daily operations and compliance. How quickly can I get a quote?For qualified accounts, we can typically provide same-day or next-day quotes. Need help placing an account? Connect with a market specialist.

Overview — King Support Systems Insurance Services: Employment Practices Liability Insurance King Support Systems Insurance Services offers an Employment Practices Liability Insurance (EPLI) program designed for agents placing employer-side liability coverage in AZ, CA, NV, OR and WA. As a Managing General Underwriter and Excess & Surplus Lines Broker, King Support provides flexible limits, risk management support and streamlined submission tools to help you place accounts quickly with admitted or non-admitted capacity where appropriate. Program at a Glance Limits available from $250,000 up to $10,000,000 Claims-made and reported form with prior acts coverage available Minimum premium: $1,200 Available in AZ, CA, NV, OR and WA — admitted placement in most available states; E&S where required Carriers: various admitted and surplus markets Services and Producer Tools Free risk management manual plus a telephone hotline to support insureds and insureds’ HR teams One-page short-form application for a fast, non-binding quote Quick underwriting turnaround and premium finance options to close business faster Ideal Accounts and Appetite This program targets private employers and non-profit organizations seeking robust EPL protection with strong risk management support. It is well suited for employers concerned about discrimination, harassment, wrongful termination, retaliation claims and wage-related exposures such as Equal Pay Act issues. Good fits include: Small to mid-size businesses with professional HR practices but occasional exposure events Non-profit organizations and membership groups Employers going through reorganizations or downsizing who want loss control and prior acts protection Typically not a fit: employers with persistent or extensive prior EPL claim histories, or accounts requiring public entity-specific coverages not offered by the program. Underwriting will evaluate prior claims, HR practices, employee handbook and termination procedures. Coverage Highlights & Special Features First-dollar coverage for EEOC administrative proceedings (helps reduce immediate defense exposure) Up to $2,500 available for defense costs before the deductible applies Additional defense outside the limits is available through certain carriers Equal Pay Act (EPA) coverage included where offered Aggregate deductible options and deductible reduction endorsements to tailor pricing and attachment points Underwriting Notes & Minimum Premium Underwriters review employment practices, HR documentation, training, and historical claim activity. King Support offers a one-page short-form application to speed initial screening; more detailed supplemental information may be requested for larger or higher-risk accounts. The program’s minimum premium is $1,200. Territories and Placement Available in AZ, CA, NV, OR and WA. King Support places coverage admitted where available and appropriate, and uses surplus lines placement where necessary to deliver broader terms or capacity. Why Work With King Support Systems Insurance Services? As an MGA and E&S broker, King Support combines quick quoting, practical risk management resources, and access to multiple admitted and surplus markets. That combination makes it easier for you to bind coverage for employers who need timely protection and HR support—especially when handling sensitive employment-related claims or organizational change. Example Account Scenarios You have a 75-employee private employer in California preparing for a restructuring and looking for prior acts coverage plus hands-on HR guidance — King Support’s EPLI with downsizing coverage and the risk management hotline is a match. A regional non-profit in Oregon with an established HR program needs limits above their current policy and wants first-dollar EEOC administrative defense — the program’s flexible limits and administrative proceedings coverage fit well. Frequently Asked Questions What types of accounts are a good fit for this EPLI program?Private employers and non-profits in AZ, CA, NV, OR and WA that want claims-made EPL coverage with prior acts protection. Ideal accounts have documented HR practices and may need help with reorganizations, downsizing, or wage-and-hour exposure such as EPA concerns. What submission materials speed up underwriting?Start with the one-page short-form application for a fast, non-binding quote. Have recent HR policies, any prior EPL loss run or claims details, and notes on recent reorganizations ready if requested for larger or higher-risk accounts. Does the program offer risk management support?Yes. King Support provides a free risk management manual and access to a telephone hotline to help insureds address HR issues before they become claims. Are admitted limits available or is this surplus lines only?The program places business admitted in most available states where carriers offer admitted paper; surplus lines placement is used when admitted capacity is not available or when broader terms are required. Need help placing an account? Connect with a market specialist.

In the event of a claim, you will have access to a 24-hour 1-800 hotline to call for emergency claim service. Your home. Your possessions. Your automobile. Your lifestyle. These are all too important to risk. We at J. R. Prewitt & Associates take great pride in having you as a customer. Please contact us and we will be glad to provide you with a prompt analysis of your insurance needs. Our pledge is to provide you with excellent service. How do I choose an insurance company? There are many insurance companies, so choosing between them can be a challenge. Here are the main points to keep in mind when selecting an insurance company: Licensing Not every company is licensed to operate in each state. As a general rule, you should buy from a company licensed in your state, because then you can rely on your state insurance department to help if there’s a problem. To find out which companies are licensed in your state, contact the state Auto Insurance department. Price Many companies sell insurance policies and prices vary greatly from one to another, so it really pays to shop around. Get at least three price quotes from companies, agents and from the Internet. Your state insurance department may publish a guide that shows what insurers charge for different policies in various parts of your state. Financial Solidity You buy insurance to protect you financially and provide peace of mind. Select a company that is likely to be financially sound for many years, by using ratings from independent rating agencies. Service Your insurance company and its representatives should answer your questions and handle your claims fairly, efficiently and quickly. You can get a feel for whether this is the case by talking to other customers who have used a particular company or agent. You may also want to check a national claims database to see what complaint information it has on a company. Also, your state insurance department will be able to tell you if the insurance company you are considering doing business with had many consumer complaints about its service relative to the number of policies it sold. Comfort You should feel comfortable with your insurance purchase, whether you buy it from a local agent, directly from the company over the phone, or over the Internet. Make sure that the agent or company will be easy to reach if you have a question or need to file a claim. Call us today for more details on a Auto Insurance Policy!

Employee lawsuits can be devastating to a business—they can be inconvenient, costly, and time-consuming. Employment-related claims continue to rise across the United States, posing a significant threat to businesses of all sizes—especially small and mid-sized companies that may lack the resources to defend against such claims. Whether it's allegations of discrimination, harassment, wrongful termination, or violations of workplace laws, employers need protection. With Employer Practices Liability Insurance (EPLI) from Alexander J. Wayne & Associates, Inc., insurance agents and brokers can help their clients manage this growing exposure. Our comprehensive EPLI program is designed to safeguard businesses against the financial and reputational damage that can stem from employee lawsuits. Ideal Accounts and Appetite We work with a wide variety of businesses across all industries. This program is a strong fit for: Small to mid-sized businesses with 5–500 employees Privately held companies or nonprofits Clients with prior employment practices policies or new to EPLI coverage Accounts with a commitment to formal HR practices and workplace policies You might have a client in retail, hospitality, healthcare, or professional services who recently terminated an employee and is concerned about potential claims. This program can help protect them from the legal and financial fallout. Coverage Highlights and Advantages Our EPLI program includes broad, flexible protection to address the evolving risks of the modern workplace. Coverage features include: • Third Party Liability • Discrimination • Wrongful Termination • Defense Costs Outside the Limits • No Intentional Acts Exclusion • Internet and Email-Related Employment Acts • Coverage for Retaliation, Demotion, Failure to Promote, Wrongful Discipline, and more • Violations of the Family Medical Leave Act (FMLA) • Extension of Coverage for Lawful Spouses • Broad Definition of Harassment, including Sexual Harassment • Free Employment Practices Hotline – Unlimited Calls, No Time Limits • FLSA Sublimit Underwriting Notes and Minimum Premiums Premiums for this program start as low as $1,500, making it accessible for a wide range of clients. The application process itself provides valuable insights for businesses looking to improve their internal employment practices—even before binding coverage. We offer flexible underwriting and access to most major insurance markets writing EPLI, including but not limited to ACE USA, Beazley, CNA, Chartis, Allied World, Axis, and more. Territories and Availability This program is available in all 50 states and Washington, D.C., giving you nationwide reach for your clients. Whether your client is in California, Texas, New York, or a smaller market, we can help you find the right EPLI solution. Why Work With Alexander J. Wayne & Associates, Inc. As a leading wholesale broker with deep expertise in EPLI and professional liability, Alexander J. Wayne & Associates, Inc. is your go-to partner for hard-to-place or specialized employment practices risks. We provide responsive service, expert guidance, and access to top-tier carriers—ensuring you get the best coverage options for your clients. Let us help you offer peace of mind to your commercial clients by protecting them from today’s complex employment risks. Frequently Asked Questions What types of accounts are a good fit for this EPLI program?Small to mid-sized businesses across various industries—especially those with 5 to 500 employees—are ideal for this program. We also work with nonprofits and privately held companies. Which states is this program available in?This Employer Practices Liability Insurance program is available in all 50 states and Washington, D.C. What carriers do you work with for EPLI coverage?We have access to a wide range of top-rated carriers, including ACE USA, Beazley, CNA, Chartis, Allied World, Axis, and many others. Is there a minimum premium requirement?Yes, the minimum premium for this EPLI program typically starts at $1,500, though this may vary based on the account. Does the program include any value-added services?Yes, the program includes a free employment practices hotline with unlimited calls and no time limits, providing added value to your insureds. Need help placing an account? Connect with a market specialist.

No matter how well your insureds manage the workplace, employment-related claims can still arise—and defending them can be expensive. Professional Liability Insurance Services, Inc.® (PLIS) offers the ESI – Employment Practices Liability Insurance program to help agents place EPLI for clients across industries and company sizes. The program combines broad coverage, flexible underwriting, and fast turnaround supported by experienced underwriters and risk management partners. Ideal Accounts and Appetite The ESI-EPLI program is designed for employers of all sizes—from small local operations to large multi-state companies. It fits clients across industries including tech, healthcare, manufacturing, retail, and professional services. The program is particularly useful for employers with: Employees in multiple states with differing compliance requirements Concerns about wrongful termination, discrimination, or harassment claims Exposure from prior acts or recent downsizing/reorganization Need for EEOC administrative defense coverage and real-time HR/legal support Coverage Highlights and Advantages Underwritten by Certain Underwriters at Lloyd’s (A.M. Best rated A), ESI-EPLI provides robust core protection plus value-added services: First-dollar coverage for EEOC administrative proceedings (up to $2,500) before the deductible applies Up to 50% deductible reduction available Prior-acts coverage with a premium discount for inception coverage Optional third-party liability (discount available if excluded) Coverage for FMLA, EPA, WARN Act, USERRA, and reorganization/downsizing exposures where insurable Broad definitions for discrimination, harassment, and inappropriate conduct Punitive, exemplary, and liquidated damages covered where insurable Oral or written complaints accepted under broad reporting language Claims-made-and-reported form with duty-to-defend and policy-paid defense on behalf of the insured Limits available up to $5M/$10M, with optional defense outside the limits for an additional premium Risk Management Services PLIS partners with Specialty Risk Management® (SRM®) to deliver complimentary and pay-for services that reduce claims frequency and severity: Free handbook and policy review or sample policies Free unlimited access to a 1-800 hotline for immediate HR and legal guidance Additional services such as on-site investigations, train-the-trainer, and supervisor training available for a nominal fee Underwriting Notes and Minimum Premiums There is no set minimum premium, so the program is accessible for small and midsize accounts as well as larger employers. Most submissions receive a 24–48 hour indication; agents can begin with a one-page short-form worksheet for a non-binding quote. Original documentation is not required at submission, and premium financing is available. Territories and Availability ESI-EPLI is available nationwide—licensed in all 50 states and Washington, D.C.—and is placed on a non-admitted basis through Lloyd’s of London. PLIS works with agents to address surplus lines compliance and filing requirements where applicable. Why Work With PLIS on EPLI? PLIS specializes in professional and management liability products with hands-on underwriting support—real people who help you place business quickly. The firm combines competitive pricing, flexible terms, and Lloyd’s capacity to handle complex or multi-state exposures. Agents benefit from fast turnaround, risk-management resources, and an underwriting team familiar with employment liability nuances. Frequently Asked Questions What types of accounts are a good fit for the ESI-EPLI program?Any size employer across industries can qualify. The program is especially well suited for multi-state employers, organizations facing organizational change, or companies with prior acts exposure. Is prior acts coverage available?Yes. Prior acts coverage is available and a premium discount may apply when adding inception/prior-acts protection. Can small businesses qualify?Yes. There is no fixed minimum premium requirement, making the program accessible to smaller employers as well as larger accounts. What risk-management support do insureds receive?Insureds receive free access to a 1-800 HR/legal hotline and a complimentary handbook or policy review. Additional training and on-site services are available for a fee. How quickly can I get an indication?Most submissions receive a 24–48 hour turnaround. Agents can submit a one-page short-form worksheet for a non-binding indication without original documentation up front. Need help placing an account? Connect with a market specialist.

Package Insurance for Staffing Services Ryan Specialty National Programs offers a dedicated Staffing Agency Program built for brokers who place temporary, professional, and administrative staffing accounts. The program combines market stability, experienced underwriting and hands-on service for a full package of liability, property and ancillary coverages — including workers’ compensation options through our carrier relationships. Overview of the Program This Staffing Services Package is designed to help agents place staffing firms with a variety of needs: temporary and temp-to-hire operations, direct hire and placement services, ASOs, PEOs, VMS providers, HR consultancies and start-ups. With over 50 years of combined team expertise, Ryan Specialty National Programs can underwrite classes some competitors avoid, secure competitive pricing and flexible billing, and assist with claims, audits and loss control. Coverage Highlights and Advantages Package includes General Liability, Professional Liability, EPLI, Abuse & Molestation Liability, Hired/Non-Owned Auto, Employee Benefits Liability and more Umbrella / Excess Liability — limits up to $10,000,000; client-specific higher limits may be available Umbrella includes Professional Liability Blanket Additional Insured endorsements available, including Blanket Primary & Non-Contributory and Blanket Waiver of Subrogation Care, Custody & Control carve-back available Policies are not audited (where applicable) Worldwide coverage options and HR risk-management hotline included with the policy Ideal Accounts and Appetite This program is a fit for a broad range of staffing operations, including: Temporary / temp-to-hire staffing firms Administrative Services Organizations (ASO) Human resources consulting services Direct hire and personnel placement services Professional Employer Organizations (PEO) Vendor Management Services (VMS) New ventures — start-ups with under three years of experience will be considered Typical fits are firms with clean loss histories, clear client contracts, and well-documented hiring and oversight procedures. Accounts with significant payroll or high-severity exposures should be submitted for review — appetite is case-by-case. Underwriting Notes and Minimum Premiums Underwriting requirements include supplemental applications, a crime application, completed ACORD forms, five years of currently valued loss runs, and the insured's website address. Minimum premiums vary by risk; please contact Ryan Specialty National Programs for state-specific eligibility and premium quotes. Expect deeper underwriting for higher limits, umbrella attachments, or complex exposures. Territories and Admitted vs. Non-Admitted The program writes business across the country: 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. Placement is through multiple carrier markets and may include non-admitted or surplus line solutions depending on the state and coverages requested; consult us for state-specific placement guidance. Why Work With Ryan Specialty National Programs Specialized staffing team with deep program underwriting experience Access to multiple carrier markets and flexible billing options Ability to quote hard-to-place classes and assemble broad package solutions Hands-on support for claims, audits and loss control Value-added services such as HR risk-management hotline included Example Accounts You Might Place A regional temp-to-hire agency placing administrative staff to corporate clients, seeking General Liability, EPLI and an umbrella that includes professional liability. A newly formed HR consultancy (under three years) that needs Professional Liability, Employee Benefits Liability and Crime coverage while it builds book of business. Contact Ryan Specialty National Programs through the program page for submissions and detailed quoting requirements: Staffing Services Package Insurance. Frequently Asked Questions What types of staffing accounts are a good fit for this program?The program targets temporary/temp-to-hire agencies, direct hire and placement firms, ASOs, PEOs, VMS providers and HR consultants. New ventures under three years are considered. Accounts with documented hiring practices and reasonable loss histories are the best fit. Which coverages are included in the package?Available coverages include General Liability, Professional Liability, Employment Practices Liability, Abuse & Molestation Liability, Hired & Non-Owned Auto, Employee Benefits Liability, Stop-Gap Liability, Umbrella/Excess (umbrella includes professional liability), Property and Crime. How do you handle state availability and admitted status?The program can place business in the states listed on the storefront. Placement may be through admitted or non-admitted markets depending on the state and requested coverages; contact us for state-by-state guidance and compliance notes. What submissions and documents are required?Standard submissions include supplemental applications, a crime application, ACORD forms, five years of currently valued loss runs and the insured’s website. Additional information may be requested for complex or high-limit accounts. Are there minimum premiums or limits?Minimum premiums vary by risk. Limits are available up to $10,000,000 on the umbrella/excess, with higher limits possible on a case-by-case basis. For specific pricing and minimums, submit the account or contact the program team. Need help placing an account? Connect with a market specialist.

U.S. Risk Insurance Group, Inc. offers a comprehensive Technology Insurance program tailored for businesses across the technology sector. As an experienced excess & surplus lines broker, U.S. Risk delivers flexible coverage solutions and access to a range of non-admitted and specialty carriers to help you place hard-to-place or complex tech risks. Ideal Accounts and Appetite U.S. Risk’s Technology Insurance program is designed to address the risk management needs of businesses operating in four core technology sectors. The program fits both standard and more complex placements, including accounts with international exposure. Telecommunications companies — internet service providers, VoIP providers, wireless and fixed-line communications firms. Information technology companies — software publishers, SaaS providers, managed service providers, IT consultants and system integrators. Medical technology companies — developers and manufacturers of medical devices, diagnostics, and health IT platforms. Electronics manufacturing — OEMs and component manufacturers for consumer, industrial and specialty electronics. This program can also accommodate manufacturers, distributors, or service providers with operations or product distribution overseas. Coverage Highlights and Advantages U.S. Risk offers broad, customizable technology-focused coverages so you can assemble a package that matches your client’s exposures. Typical coverages include: Professional liability / errors & omissions for technology services and software Cyber liability and data breach response and remediation Product liability and completed operations for manufactured tech components Property and equipment coverage for labs, manufacturing floors, and data centers General liability and umbrella/excess layers to round out placements Beyond policy limits and forms, the program adds value with services that help reduce and control loss, such as: Risk management consulting and tailored loss controls 24-hour claims hotline for fast incident response Analytical services and access to engineering laboratories for product testing and failure analysis These capabilities help you present stronger, more defensible submissions and improve the insured’s incident response and product safety posture. Underwriting Notes and Minimum Premiums Underwriting is flexible and handled by brokers experienced with technology exposures. Appetite and minimum premium will vary by class, revenue, product complexity, and the combination of coverages requested. Because U.S. Risk operates in the E&S market, it can consider accounts that fall outside the scope of standard admitted markets. For detailed guidance on attachment points, limits, or minimums for a specific submission, contact U.S. Risk underwriting to discuss the account profile and required underwriting information. Territories and Availability This program is available to agents and brokers in all 50 states and the District of Columbia. U.S. Risk has carrier access and placement solutions that support clients whether they are regional, national, or have international operations or product distribution. Why Work With U.S. Risk U.S. Risk brings deep E&S expertise in technology and product liability risks. As a long-standing excess & surplus lines broker, they provide access to specialty markets, pragmatic underwriting, and hands-on service designed for brokers placing tech business. You benefit from: targeted market access, experienced underwriting that understands technology and manufacturing exposures, and supplemental services—claims support, lab analysis, and risk management—that help control losses and preserve client relationships. Example placements that fit the program: you might have a mid-sized medical device manufacturer needing product liability and cyber coverage for a cloud-connected device with global distribution, or a regional MSP expanding into managed security services that requires professional liability and cyber limits beyond admitted market appetite. Frequently Asked Questions What types of accounts are a good fit for this program?The program is well suited for telecommunications firms, IT service providers, medical technology manufacturers, and electronics OEMs and component makers — including those with cross-border operations or global product distribution. Is cyber liability included in the coverage?Yes. Cyber liability and data breach coverages are available and can be tailored to the insured’s specific exposures and incident response needs. Can U.S. Risk help with hard-to-place technology risks?Yes. As an E&S broker, U.S. Risk can access non-admitted markets and provide flexible underwriting for complex, unique, or higher-hazard technology accounts that admitted carriers may decline. What kind of support does U.S. Risk offer beyond coverage?U.S. Risk provides risk management consulting, a 24-hour claims hotline, and analytical and engineering resources to support product testing and incident investigation. Are minimum premiums required?Minimums vary by class of business, coverages selected, and the account’s risk profile. Contact U.S. Risk underwriting for guidance on minimum premiums and submission requirements. Need help placing an account? Connect with a market specialist.