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Overview — Accountants Professional Liability Insurance from The Herbert H. Landy Insurance Agency, Inc. The Herbert H. Landy Insurance Agency, Inc. offers a dedicated Accountants Professional Liability Insurance program designed for accounting firms, sole practitioners, and accounting-adjacent service providers. This program is underwritten through Great American Insurance Company and Great American Assurance Company and delivered via Landy as a Managing General Agency, giving agents access to admitted paper and a full suite of risk-management support tailored to accounting professionals. Covered Services The program provides professional liability coverage for a wide range of accounting and advisory services, including: Accounting: Protection against claims arising from accounting engagements and financial reporting. Financial Planning: Coverage for financial advisory and planning services. Consulting: Liability protection for various consulting activities performed for clients. Notary Public: Coverage for notarial acts performed within the scope of professional services. Fiduciary: Protection for fiduciary responsibilities undertaken on behalf of clients. Investment Advisory: Coverage for investment advice and related services when provided by the insured. Arbitration/Mediation: Liability protection for services performed as an arbitrator or mediator. Risk Management Assistance Policyholders gain access to proactive tools designed to reduce loss frequency and severity: Legal Hotline and Pre-Claims Assistance: Early access to legal advice to help resolve exposure before it becomes a formal claim. No-Cost Quarterly Webinars: Continuing Professional Education (CPE) opportunities for insureds; participation may also qualify for periodic premium credits where applicable. Policy Highlights EXPRESS Program: Eligible firms can qualify for a streamlined placement that may include a 20% premium consideration, a zero-deductible option, and acceptance for firms with up to $1,000,000 in revenues over the past three years. A two-year policy option is available for greater premium stability and reinstatement of policy limits. Increased Supplementary Payments: Enhanced limits for supplementary payments are available with no deductible applied. Ideal Accounts and Appetite This program is a good fit for accountants and small to mid-sized firms that provide typical accounting, tax, and advisory services. Target accounts include: Small CPA firms and sole practitioners Bookkeepers and accounting consultants who offer payroll, tax preparation, or advisory services Firms that perform limited investment advisory or fiduciary activities as part of broader accounting services Accounts that typically fit well are those with clear engagement letters, manageable revenue levels (see EXPRESS eligibility), and a limited history of professional liability claims. Larger firms, highly specialized practices with unusual exposures, or firms with significant securities or ERISA fiduciary work may require referral to broader markets or specialized programs. Underwriting Notes Underwriters focus on revenue trends, services performed, claims history, use of engagement letters, and internal controls. The EXPRESS option speeds placement for eligible small firms (up to $1,000,000 revenue over the past three years) and offers simplified underwriting credits and deductible options. Minimum premiums and specific underwriting requirements vary by state and applicant profile—contact Landy for current guidelines and submission instructions. Territories and Availability Availability: All Available States This program is available in the following states: 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, WV, WI, WY. Why Work with The Herbert H. Landy Insurance Agency, Inc. As a Managing General Agency, Landy provides streamlined access to admitted carriers (Great American Insurance Company and Great American Assurance Company) and underwriting expertise for accounting risks. Practical risk-management tools—hotline advice and CPE webinars—help reduce claims exposure and support insureds. EXPRESS placement and flexible policy options (including two-year terms) make it easier to place smaller or straightforward accounts quickly. Example Placement Scenarios You have a three-partner CPA firm that provides tax prep, monthly bookkeeping, and limited financial planning. Their revenue fits within EXPRESS guidelines and they value the two-year option for premium stability. You represent a sole practitioner who performs tax returns, notary services, and small business consulting with a clean claims history—this client is likely to qualify for streamlined placement and risk-management resources. For more detailed underwriting criteria or to submit a risk, contact The Herbert H. Landy Insurance Agency, Inc. or review their program materials on the company website. Frequently Asked Questions What types of accounts are a good fit for this accountants professional liability program?This program is best for small to mid-sized accounting firms, sole practitioners, bookkeepers, and consultants offering tax, bookkeeping, payroll, and limited advisory services—particularly firms with clear engagement letters and manageable revenue levels. What is the EXPRESS program and who qualifies?EXPRESS is a streamlined placement option for eligible firms that can include a 20% premium consideration, zero-deductible choices, and acceptance for firms with up to $1,000,000 in revenues over the past three years. Eligibility is determined by underwriting review of services, revenue, and claims history. What risk management support does Landy provide to insureds?Policyholders have access to a legal hotline and pre-claims assistance, plus no-cost quarterly webinars that offer CPE credits. These resources are intended to help insureds manage exposures and reduce the likelihood of formal claims. Which carriers underwrite this program and where is it available?The program is underwritten by Great American Insurance Company and Great American Assurance Company and is available in the states listed above. Availability and certain terms may vary by state, so check current guidelines before submission. Need help placing an account? Connect with a market specialist.

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.

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.

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.

Product recalls can be complex, costly, and damaging to your client’s brand and bottom line. A swift, well-managed recall demonstrates a company’s commitment to safety, quality, and consumer trust, while a poorly executed one can result in reputational harm, lost revenue, and legal complications. Overview of the Product Recall Insurance Program from CoverXSpecialty CoverXSpecialty offers a comprehensive Product Recall Insurance program designed to protect your clients from the financial and operational fallout of a product recall. Through a combination of traditional insurance and consultative services, this program provides robust support before, during, and after a recall event. With experienced underwriters who understand the nuances of both U.S. and international recall exposures, CoverXSpecialty delivers tailored solutions across a wide range of industries. Ideal Accounts and Appetite This program is designed for businesses that manufacture, import, distribute, or sell consumable or consumer products, as well as component parts. Target classes include: Consumable Products: Food and beverage companies, cosmetics, tobacco, pharmaceuticals, and pet food (excluding animal feed). Includes suppliers, co-packers, processors, bottlers, importers, distributors, packagers, and wholesalers. Consumer Goods: Finished products in categories such as appliances, electronics, clothing, furniture, household items, children’s products, and sporting goods. Risks may include manufacturers, importers, retailers, and wholesalers. Suppliers & Component Parts: Manufacturers and distributors of components used in general manufacturing and automotive industries. For automotive, Tier 1–4 only. Restaurants: Local and regional restaurant chains, including franchisees. National chains may be considered for high excess layers. Example: You might have a client who is a regional snack food manufacturer or a supplier of plastic parts to an automotive OEM. This program can help mitigate their exposure in the event of contamination, defect, or mislabeling. Coverage Highlights and Advantages Base policy includes coverage for recall and consultant costs with no self-insured retention (SIR) and no limit on consultant services. Policyholders can customize coverage with available add-ons such as: Loss of Profit Replacement Costs Rehabilitation Expenses Customer Loss of Gross Profit And more 24/7 emergency hotline for immediate access to recall consultants. 10% of net premium available annually to fund loss mitigation efforts. Underwriting Notes and Minimum Premiums There is no stated minimum premium, making this program accessible for a range of business sizes. Underwriting is handled by dedicated professionals with deep industry knowledge, which allows for thoughtful customization based on your client’s unique exposures and risk profile. Territories and Availability This non-admitted program is available in all 50 states plus the District of Columbia. CoverXSpecialty brings non-admitted flexibility to offer tailored solutions in jurisdictions across the U.S., helping you find coverage when standard markets may fall short. Why Work With CoverXSpecialty As both a general agency and carrier, CoverXSpecialty brings a unique blend of underwriting authority and market access. Their product recall team includes some of the most experienced professionals in the industry, offering you and your clients access to coverage and insights typically reserved for large corporations. From pre-incident planning to post-recall recovery, CoverXSpecialty is a true partner in managing product recall risks. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include manufacturers, importers, and distributors of consumable goods, consumer products, component parts, and regional restaurant chains. Can coverage be customized to fit specific client needs?Yes, policyholders can tailor their coverage with optional add-ons such as Loss of Profit, Rehabilitation Expenses, and more. Is there a minimum premium requirement?No specific minimum premium is required, making the program suitable for a wide range of business sizes. Does the policy include access to consultants during a recall event?Yes, the program includes unlimited access to recall consultants through a 24/7 emergency hotline, with no SIR applied. In which states is this program available?The program is available in all 50 states and the District of Columbia on a non-admitted basis. Need help placing an account? Connect with a market specialist.

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