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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.

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Overview — IPMG Nursing Home Insurance and Risk Management IPMG provides dedicated Nursing Home Insurance and Risk Management solutions for senior care providers. We combine program underwriting (including acting as Managing General Underwriters for select programs) with wholesale brokerage and hands-on risk management designed specifically for nursing homes, assisted and independent living, CCRCs, home health agencies and adult day care providers. Our Healthcare division focuses on the senior care market and manages specialty liability programs such as Trinity Risk Solutions RRG (for not-for-profit providers) and New York Healthcare RRG (open to all ownership types). IPMG also places primary and excess P&C coverages, including workers’ compensation, through multiple markets and RRG capacity. Ideal Accounts and Appetite This program is tailored for licensed senior care operators where clinical protocols, regulated operations and staff training are central to controlling liability—and where active risk management will materially reduce exposures. Typical fits include: Skilled nursing/nursing homes (licensed) Assisted living and independent living communities Continuing care retirement communities (CCRCs) Home health providers and adult day care centers Accounts with established management, good licensure history and a commitment to documented clinical processes and staff training are the best fits. For higher-risk specialty operations (for example unlicensed programs or clinical models outside traditional senior care), please discuss specifics with underwriting before submission. Coverage Highlights and Advantages IPMG’s program offers access to multiple liability markets and RRG capacity with a focus on practical loss control. Key advantages for agents and their clients include: Program access to Trinity Risk Solutions RRG and New York Healthcare RRG Wholesale brokerage for primary and excess P&C placements, including workers’ compensation Integrated risk management services that help reduce severity and frequency of claims 24-hour risk management hotline and online incident reporting Risk Management Services IPMG’s in-house risk management team includes former Directors of Nursing and clinical professionals such as physical therapists. Their services are designed to improve care quality, protect employees and help manage insurance costs. Regulatory compliance assistance Accident investigation training and incident investigation assistance 24-Hour risk management hotline and online incident reporting Mock surveys, plan of correction assistance and clinical case reviews Employee programs: limited lift programs, essential functions testing, drug testing and background check policies Supervisors/leadership development and wellness consulting Underwriting Notes and Minimum Premium Submissions should include completed applications, recent loss runs and proof of licensure. This program typically requires a minimum annual premium of $10,000. Because IPMG places business into both RRG and non-admitted markets, terms and attachment points will depend on account profile and desired structure. Territories and Availability Available in the following states: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Coverage may be placed in admitted or non-admitted markets depending on carrier and program structure; consult underwriting for state-specific placement guidance. Why Work With IPMG on Senior Care Business Agents choose IPMG because we combine program access (including RRGs), wholesale brokerage relationships and clinical-focused risk management. Our team’s senior care experience helps translate clinical improvements into measurable reductions in exposure, which supports better pricing and placement options. Example Placement Scenarios You might have a client who is a 75-bed not-for-profit nursing home with stable management and a strong incident reporting program—this is a natural fit for Trinity Risk Solutions RRG capacity. Or you may represent a small assisted living operator seeking primary liability and workers’ compensation where IPMG’s wholesale markets and risk management services can be bundled to improve terms. WE'VE GOT YOU COVERED! Frequently Asked Questions What types of senior care accounts are the best fit for IPMG’s Nursing Home program?Licensed nursing homes, assisted and independent living communities, CCRCs, home health agencies and adult day care providers with documented clinical processes and experienced management are the best fits. Not-for-profit providers may be eligible for Trinity Risk Solutions RRG capacity. What submissions does underwriting typically require?Underwriters generally expect a completed application, recent loss runs, proof of licensure, and information on risk management practices. Specific requirements vary by market and program—contact IPMG underwriting for a targeted checklist. Is risk management included with placements through IPMG?IPMG provides dedicated risk management services—clinical reviews, mock surveys, hotline support and training—which are integral to our senior care solutions and can be offered as part of the placement or as a separate service to help reduce exposures. Need help placing an account? Connect with a market specialist.

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.

Attorneys Advantage Professional Liability Insurance Program The Attorneys Advantage program, administered by Affinity Specialty Program Network (ASPN), delivers professional liability (malpractice) insurance specifically for law firms with 1 to 50 attorneys. Backed by more than a decade of underwriting experience and strategic carrier relationships—including Liberty Insurance Underwriters Inc. (a Liberty Mutual company) and SPARTA Insurance Company—this program has placed coverage for over 21,000 attorneys nationwide. Overview for Agents and Brokers Attorneys Advantage is built for agents who need a reliable, straightforward market for lawyers and law firms. The program combines online submission and purchasing for qualifying accounts with hands-on underwriting for more complex risks. ASPN also accesses alternative market solutions when standard placement is difficult, giving you options for clients with prior claims or niche practices. Ideal Accounts and Appetite Attorneys Advantage fits a wide range of law practices, particularly: Solo practitioners and small to mid-sized firms (up to 50 attorneys) General practice and common specialty areas with established risk-management processes Firms seeking competitive rates and practical coverage wording Hard-to-place firms that may be eligible through ASPN’s alternative market placements Appetite is broad but focused on firms that maintain professional controls and file-handling procedures. Extremely high-exposure specialties or firms with ongoing, large indemnity histories should be submitted for review—ASPN can often identify a standard or alternative route rather than a hard declination. Coverage Highlights and Advantages Professional liability coverage available across the United States Underwritten by Liberty Insurance Underwriters Inc. or SPARTA Insurance Company, with alternative-market access for difficult risks Online application and bind options for eligible accounts to speed placement Competitive rates, flexible limits, and tailored coverage structures for firm size and practice mix Dedicated legal-liability underwriting and servicing team for responsive support ASPN complements coverage with proactive risk-management services designed to reduce claims frequency and severity. Risk Management and Value-Added Services Policyholders receive several practical resources: The Quarter Hour – a quarterly risk-management newsletter for policyholders Confidential risk-management hotline for claim avoidance consultation Access to the Attorneys Risk Management Resources Website, managed by Hinshaw & Culbertson LLP Periodic risk-management seminars and materials focused on claim prevention These services help insured firms tighten procedures, reduce exposure, and demonstrate sound risk controls to underwriters. Additional Coverages Attorneys Advantage also places related coverages commonly needed by law firms: Business Owners Policy (BOP): Property and liability protection for offices, equipment, client files, and law libraries Workers’ Compensation: Available for new and existing firms with streamlined billing and quick turnarounds Employment Practices Liability: Defense and indemnity for employment-related claims Underwriting Notes and Minimum Premiums Minimum premiums vary by firm size, state, and risk profile. ASPN works with agents to evaluate submissions and determine whether an account fits a standard carrier or requires alternative-market placement. Provide detailed exposure information, claims history, and risk-management documentation to accelerate review. Territories and Availability Attorneys Advantage is available in all 50 states and Washington, DC. Coverage may be placed on a non-admitted basis depending on the carrier and state regulations. Why Place Legal Professional Liability with ASPN ASPN specializes in legal-professional programs and combines deep sector knowledge with access to primary and alternative markets. You’ll get responsive underwriting, risk-management tools for your clients, and the flexibility to place both routine and challenging accounts. Whether you need a quick, online bind for a qualifying solo practitioner or a tailored placement for a firm with prior claims, ASPN offers practical solutions and service to help you close the business. Example accounts A single-attorney general-practice firm seeking an affordable primary malpractice policy and online bind capability. A 15-attorney mid-sized firm with a prior small claim but solid risk-management programs — submitted to ASPN for standard or alternative placement. Insurance license information Frequently Asked Questions What types of law firms are eligible for the Attorneys Advantage program?The program is designed for law firms with 1 to 50 attorneys, including solo practitioners and mid-sized practices. Firms with complex or hard-to-place exposures may also be eligible through ASPN's alternative markets. Is the Attorneys Advantage program available in all states?Yes, the program is available in all 50 states and Washington, DC. Coverage may be placed through different carriers depending on state-specific guidelines. What carriers underwrite coverage for this program?Coverage is underwritten by Liberty Insurance Underwriters Inc. (a Liberty Mutual company) or SPARTA Insurance Company. Alternative markets are also available for more difficult risks. Does the program include risk management support?Yes, policyholders receive access to newsletters, risk management seminars, a confidential hotline, and a dedicated online resource center for legal professionals. Can I access other coverages through ASPN for my legal clients?Yes, ASPN also provides access to Business Owners Policies, Employment Practices Liability, and Workers’ Compensation tailored for law firms. 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.

Insurance for Engineers Ryan Specialty National Programs offers a comprehensive Engineer Insurance program tailored for architects, engineers, and environmental consultants. As a program administrator with deep expertise in professional liability, RSG National Specialty Programs delivers customized solutions through exclusive access to the Architects & Engineers program underwritten by Aspen American Insurance Company. This program is designed to help agents and brokers secure quality coverage for engineering and design firms that require specialized protection against the risks inherent in professional services. Whether your client is a civil engineer working on municipal infrastructure or a mechanical engineer designing HVAC systems, this program offers meaningful risk management solutions and competitive pricing. Ideal Accounts and Target Classes The program is designed for small to mid-sized firms with annual billings up to $10 million, but larger firms may be considered on a case-by-case basis. Target classes include: Construction Managers Civil / Structural Engineers Electrical / Mechanical / HVAC Engineers Landscaping / Golf Course Architects Surveyors Interior Designers Non-licensed professionals (e.g., kitchen designers, lighting designers, specification writers) Coverage Highlights and Advantages Ryan Specialty’s Engineer Insurance program provides a broad suite of coverages and value-added services that help insureds proactively manage risk: Professional Liability and Contractors Pollution Liability Advertising and Personal Injury coverage Network Security Supplemental Payment – up to $100,000 Defense costs outside the limits (optional) First Dollar Defense option Specific Project Excess Limits available Crisis Event and Peer Review expense reimbursement ADA, FHA, and OSHA legal expense reimbursement Automatic renewal endorsement for qualified firms “Soft” Hammer clause and Innocent Insured protection Reduced deductible for claims settled via mediation or limitation of liability clause Worldwide coverage Choice of Counsel available In addition, insureds benefit from support services like a toll-free “800” hotline for pre-claims assistance and free contract reviews by two law firms with A&E expertise. Underwriting Notes and Minimum Premiums Policies are underwritten by Aspen American Insurance Company. The program offers minimum premiums starting at $1,400, with interest-free financing available for firms with premiums of $10,000 or more. Submission requirements include: Completed supplemental application Five years of currently valued loss runs Competitor applications may be accepted Territories and Availability This program is available in most U.S. states, including but not limited to: CA, TX, FL, NY, IL, and GA. Admitted markets are available in some jurisdictions. Contact Ryan Specialty National Programs for specific state availability. Why Work With Ryan Specialty National Programs Ryan Specialty National Programs combines underwriting expertise with dedicated service to help agents place engineering and design-related risks efficiently. With value-added services like contract review and pre-claims assistance, plus access to exclusive markets, this program is designed to support agents and their clients throughout the policy lifecycle. Contact us today for more information on our Engineer Insurance program! Frequently Asked Questions What types of accounts are a good fit for this Engineer Insurance program?Engineering and design firms with up to $10 million in annual billings, including civil, structural, mechanical, and electrical engineers, are ideal. Larger firms may be considered individually. Which carriers underwrite this program?The program is underwritten by Aspen American Insurance Company, offering strong financial backing and tailored policy forms. Are there any value-added services included with the policy?Yes. Insureds receive free contract reviews, access to a pre-claims hotline, and reimbursement for crisis events, peer reviews, and legal expenses under defined conditions. What is the minimum premium for this program?The minimum premium typically starts at $1,400, with interest-free financing available for premiums of $10,000 or higher. Is this program available in all states?The program is available in most U.S. states. Admitted markets are available in select states. Contact Ryan Specialty National Programs to confirm availability in your state. Need help placing an account? Connect with a market specialist.

Overview of the Program From Chittenden Insurance Group Chittenden Insurance Group offers a focused program for accounting professionals: AICPA Professional Liability plus Employment Practices Liability Insurance (EPLI). Endorsed by the AICPA and backed by Continental Casualty Company, this solution provides tailored professional liability protection and employment-practices defense for CPAs and accounting firms in Maine, New Hampshire, and Vermont. This program is designed to address the typical exposures faced by accounting firms. It includes full-career coverage for qualified firms and extends protections to all staff members, including per diem and part-time personnel. Whether you’re placing a sole practitioner or a growing multi-staff office, the program pairs substantive coverage with risk-management resources to help reduce claims frequency and cost. Ideal Accounts and Appetite This program works well for agents placing the following types of accounts: Small to mid-sized CPA firms Solo practitioners and sole-proprietor CPAs Firms that employ per diem or part-time professionals Accounting professionals seeking an AICPA-endorsed program with EPLI included Example placements: you might have a boutique tax and advisory practice in Vermont seeking full-career professional liability and EPLI, or a two-partner Maine firm that wants coverage for its per diem staff and regulatory inquiry protection. Coverage Highlights and Advantages Full-career coverage available for qualified accounting firms Policy covers all firm staff, including per diem and part-time workers Defendant’s reimbursement coverage up to $50 per hour Regulatory inquiry and investigation coverage up to $10,000 No claim settled without the insured’s written consent Premium financing options to improve affordability AICPA endorsement — a mark of industry recognition and trust Risk Management Services 24/7 toll-free risk-management hotline for policyholders Online policyholder resources and guidance materials Complimentary newsletters and practice updates Opportunities for premium credits and state CE credits through attendance at local seminars or completion of approved self-study courses The program is overseen by an AICPA committee of practicing CPAs who help ensure coverages and risk management services remain aligned with real-world practice risks. Underwriting Notes and Minimum Premiums Chittenden underwrites each submission on its merits. Underwriters consider firm size, services offered (tax, audit, bookkeeping, advisory), claims history, controls and engagement practices. Exact minimum premiums are not published; agents should submit detailed firm information to receive accurate indications. Premium financing is available to eligible firms to ease payment terms. Territories and Availability This AICPA-endorsed professional liability + EPLI program is currently available in: Maine (ME) New Hampshire (NH) Vermont (VT) Contact Chittenden Insurance Group for updates on territorial expansion or changes to state availability. Why Work With Chittenden Insurance Group on This Business Chittenden Insurance Group specializes in placing professional liability for accounting professionals in northern New England. Their exclusive access to an AICPA-endorsed program with capacity from Continental Casualty Company gives your clients strong coverage options and responsive claims handling. Agents benefit from underwriting expertise focused on accounting firms, practical risk-management tools, and program features built for the unique exposures of CPA practices. If you place professional liability and EPLI for accountants in ME, NH, or VT, Chittenden’s program is a practical market to consider for both small firms and solo practitioners. Frequently Asked Questions What types of accounts are a good fit for this program? This program is ideal for CPAs, accounting firms, and solo practitioners in Maine, New Hampshire, and Vermont who need combined professional liability and EPLI coverage, particularly those seeking an AICPA-endorsed product. Does the coverage include part-time or per diem staff? Yes. The policy provides coverage for the entire firm staff, including per diem and part-time employees. Is coverage available outside of ME, NH, and VT? Currently the program is limited to Maine, New Hampshire, and Vermont. Contact Chittenden Insurance Group for the latest on any geographic expansion. Are there risk management resources included? Yes. Policyholders have access to online resources, a 24/7 risk-management hotline, newsletters, and opportunities to earn CE credits via seminars or approved self-study courses. Can clients finance their premium payments? Yes. Premium financing options are available to make coverage more affordable for qualifying firms. Need help placing an account? Connect with a market specialist.

Intellectual Property Lawyers Professional Liability Insurance (IPL) is a specific type of professional liability insurance designed to protect intellectual property lawyers and firms from claims arising from alleged negligence or errors in their work. Intellectual property lawyers specialize in protecting their clients' intellectual property rights, such as patents, trademarks, and copyrights, and face unique risks that require specialized coverage. IPL policies provide coverage for claims related to legal advice, drafting of legal documents, litigation, and other activities related to intellectual property law. Common claims in this area include allegations of failing to properly advise clients on the scope of their intellectual property rights, errors in drafting patent applications, and disputes related to trademark or copyright infringement. LPL at Jamison IP Services Ranked as one of the top privately held and independent U.S. insurance brokers. Leading provider with more than 50 years of experience handling Intellectual Property Lawyers Professional Liability Insurance for firms throughout the United States. Highly skilled, dedicated professionals committed to providing insurance and risk management solutions. CNA Rated "A" (Excellent) for financial strength by A.M. Best, and XV for size with over $60 billion in assets. More than 50 years of experience insuring attorneys in the private practice of law. Largest provider of lawyers professional liability insurance in the U.S. with more than 125,000 attorneys insured. Coverage Highlights Limits of Liability of up to $5,000,000 each claim/annual aggregate, including damages and claim expenses, available to qualified applicants. Coverage available to Intellectual Property Law Firms with fewer than 35 attorneys. "Claims Made and Reported" form, providing coverage for claims that are first made against you and reported to CNA during the policy period or extended reporting period. True Worldwide Coverage regardless of where the claim or suit is brought. Prior Acts coverage available to qualified firms. Claims will not be settled without the firm's prior written consent. 1-year, 2-year, 3-year and 6-year extended reporting period options. Automatic 60-day Extended Reporting Period. Innocent Insured Coverage. Coverage provided for Libel, Slander & Defamation in the rendering of legal services. Coverage provided for Disciplinary Proceedings. Coverage includes Patent Agents, Independent Contractors and Of Counsel. Coverage available for Non-Attorney Patent Agents. Risk Management Hotline. * Policy provisions only briefly highlighted. Please refer to the policy itself for complete details.

AFC Insurance Inc. offers a comprehensive Fundraising Organizations Insurance Program as part of its Health & Human Services suite. Designed specifically for non-political fundraising entities, this program provides essential protection for organizations that raise money for charitable, community, or health-related causes. Whether your client is a cancer fundraiser, a private company organizing donation drives, or a group raising funds on behalf of another organization, AFC’s program is tailored to address their unique exposures. Ideal Accounts and Appetite This program is built for professional fundraising organizations and private entities dedicated to charitable work. Eligible classes include: Fundraising organizations Cancer-related fundraising groups Private fundraising companies Organizations raising money for nonprofits or social causes Note: Political fundraising activities are not eligible under this program. Coverage Highlights and Advantages AFC’s program delivers a robust set of coverages to help protect your insureds from the wide range of liabilities that fundraising entities face. Available coverages include: Package Policies General & Professional Liability Coverage Endorsements & Enhancements Volunteers & Independent Contractors included as insureds Optional Key Employee Replacement Endorsement Optional Extended Coverage Endorsement with Blanket Additional Insured Umbrella Liability Property Coverage Auto Coverage (some restrictions may apply) Abuse & Molestation Coverage This breadth of coverage helps ensure your clients are protected across a variety of operational risks, from volunteer-related incidents to property damage or liability claims. Underwriting Notes and Minimum Premiums Minimum premiums vary depending on the risk profile and selected coverages. AFC works with a range of carriers to provide competitive options and will evaluate each submission based on class, operations, and loss history. Including optional endorsements can enhance protection and should be considered based on the client’s needs. Territories and Availability The Fundraising Organizations Insurance Program is available in most states, including but not limited to CA, FL, TX, NY, IL, and GA. AFC Insurance Inc. offers admitted solutions in many of these states, providing a stable and compliant market for your clients. Why Work With AFC Insurance Inc.? As a specialized Program Administrator, AFC has established expertise in the Health & Human Services sector. Their underwriting team understands the specific risks associated with nonprofit fundraising and offers tailored coverage solutions backed by reputable carriers. You can expect responsive service, flexible underwriting, and a program designed to help you place challenging but important accounts. For example, you may have a client organizing year-round fundraising events for cancer awareness or a company that manages donation campaigns on behalf of multiple nonprofits. These are ideal fits for AFC’s program. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for professional fundraising organizations, cancer-related fundraisers, and private companies that raise money for charitable causes. Political fundraising is not eligible. Is volunteer coverage included?Yes, volunteers and independent contractors can be included as insureds through coverage endorsements. Are there any optional endorsements available?Yes, optional endorsements include Key Employee Replacement and Extended Coverage with Blanket Additional Insured. What states is this program available in?The program is available in most states across the U.S., including CA, TX, NY, FL, and others. What types of coverage are included?Coverage options include General & Professional Liability, Property, Umbrella, Auto (some restrictions), Abuse & Molestation, and more. Need help placing an account? Connect with a market specialist.