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In the hospitality industry, exceptional service is expected — but behind the scenes employees face physical risks that make workers compensation coverage a top priority. With a higher-than-average frequency of workplace injuries in this sector, hospitality businesses need reliable, technology-driven solutions to control costs and manage liability. Integrated Underwriters, in partnership with ShiftPixy®, offers a specialized Workers Compensation Hospitality program built for hotels, restaurants, bakeries, grocery and retail food outlets. The program leverages ShiftPixy’s next-generation technology to streamline payroll, HR and workers comp administration while shifting employer-related liabilities away from your insureds. Ideal Accounts and Target Classes This program is tailored for a broad range of hospitality-related operations. It fits accounts that have moderate to high payroll and significant hourly staff exposure — for example, kitchens, servers, delivery drivers, housekeeping and retail sales. Active class codes include: • Bakery – Salesperson & Driver (2003) • Drivers, Chauffeurs & Messengers (7380) • Grocery & Retail Stores (8006) • Retail Stores NOC (8017) • Wholesale Stores NOC (8018) • Meat, Fish & Poultry Stores (8031) • Outside Salesperson (8742) • Clerical Office Employees (8810) • Hotels (9050) • Hotel – All Other Employees (9052) • Hotel – Restaurant Employees (9058) • Restaurants & Taverns – All Other Employees (9079) • Restaurants NOC (9082) Example fits: a boutique hotel with on-site dining and housekeeping staff, or a regional restaurant group with kitchen teams and delivery drivers. The market also considers lapsed coverage accounts, giving flexibility for clients returning to the marketplace. Coverage Highlights and Program Advantages Agents and brokers gain a streamlined underwriting and servicing experience. Key features include: • Quote and Bind Online • No Audits Required • Pay-As-You-Go Billing Model • $1 Million EPLI Policy Included • Access to the ShiftPixy® Mobile App • Full Transfer of Employer-Related Liabilities to ShiftPixy® This combination reduces administrative burden for insureds, improves payroll/cash-flow predictability, and provides an integrated HR platform to help control claims and compliance exposure. Underwriting Notes and Minimum Premiums The program targets mid-sized to larger hospitality accounts. Typical guidelines include a minimum premium of $25,000 and an experience modification (ExMod) range generally between 1.20 and 2.90. Underwriting reviews payroll composition, loss history, operations mix and whether the account’s employee functions align with ShiftPixy’s service model. Availability and Admitted Status This market is available in most states on an admitted basis in many territories. Key states include AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OK, OR, PA, RI, SC, TN, TX, UT, VT, VA and WI. Availability may vary by carrier and state — underwriters will confirm admitted status at quote. Why Work With Integrated Underwriters? Integrated Underwriters combines deep workers compensation expertise with a strong partnership with ShiftPixy to deliver a modern, efficient placement for hospitality risks. Agents benefit from online quoting and binding, fewer audits, a pay-as-you-go premium flow, and access to tools that help reduce employer-related liabilities. The program is designed to help you place larger, payroll-heavy hospitality accounts that need both coverage and operational support. To request a quote or discuss placement strategy, connect with a market specialist and we’ll help determine fit and availability for your client. Frequently Asked Questions What types of accounts are a good fit for this Workers Compensation Hospitality program?This program works best for hotels, full-service and limited-service restaurants, bakeries, grocery and specialty food retailers, and other hospitality businesses with significant hourly payroll and active employee roles. Can I submit accounts with a lapse in prior coverage?Yes. Accounts with prior coverage lapses are eligible for consideration, though underwriting will review reasons for the lapse and recent payroll activity. What is the minimum premium requirement?The minimum premium for the program is $25,000, making it targeted to mid-sized and larger hospitality operations. Which states is this program available in?The program is available in most states. Major available territories include CA, TX, FL, NY, IL and many others; final availability and admitted status are confirmed at quote. How does ShiftPixy® help reduce employer-related liabilities?ShiftPixy® provides a technology-driven payroll and HR platform that assumes employer-related administrative functions, helping to centralize compliance, payroll and HR processes and reducing operational exposure for the insured. Need help placing an account? Connect with a market specialist.

Policy Highlights for Office Insurance: Colonial General Insurance Agency, Inc. offers a comprehensive Office Insurance program designed to meet the needs of owner-occupied office buildings and leased office spaces. This program is ideal for agents looking to place small to mid-size commercial office accounts with straightforward, on-premises exposures. Coverage can be written on a mono-line or package basis, offering flexibility based on your client’s unique risk profile. Ideal Accounts and Appetite This program is best suited for professional services and administrative office operations with low foot traffic and minimal off-premises exposures. Examples of good fits include: Medical and dental offices Accounting or law firms Real estate agencies Small business consulting firms Accounts with on-site manufacturing, heavy retail traffic, or industrial operations are outside of appetite. Coverage Highlights and Advantages Commercial General Liability Coverage: Primary limits up to $3,000,000 occurrence/aggregate Hired and Non-Owned Auto coverage $5,000 Medical Payments Coverage included Additional Interests—Landlords included at no charge Coverage limited to designated premises Contractual Liability Limitation applies Excess or Umbrella Limits available up to $25,000,000 No deductible required Property Coverage: Accounts Receivable Basic, Broad, or Special Form available Building and Contents coverage Business Income protection Computer Equipment and Equipment Breakdown Outside Signs and Valuable Papers Replacement Cost or Actual Cash Value options Crime Coverage: Theft of Money and Securities (Inside the Premises) Robbery or Safe Burglary of Other Property (Inside the Premises) Losses occurring Outside the Premises Underwriting Notes Coverage is designed for standard office risks with minimal customization needed. The program accommodates both owner-occupied and tenant-occupied settings. Underwriting focuses on clean risks with good housekeeping and no significant prior losses. Admitted and non-admitted markets are available depending on the risk profile and state. Territories and Availability This Office Insurance program is available in the following Western states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Availability may vary by carrier and risk characteristics. Why Work With Colonial General Insurance Agency, Inc.? Colonial General is a trusted Managing General Agency and Excess & Surplus Lines Broker with deep expertise in commercial property and casualty markets. Agents benefit from access to a variety of carriers and flexible underwriting for office-related risks. Whether you're placing a single-location dentist’s office or a multi-tenant professional building, Colonial General’s team can help you find the right solution quickly and efficiently. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for low-hazard professional offices such as accountants, lawyers, consultants, and medical or dental offices. Can I write both property and liability coverage through this program?Yes, coverage is available on a mono-line or package basis, allowing you to write property, liability, or both depending on your client’s needs. Is this program available on an admitted basis?Some markets are admitted, while others are non-admitted, depending on the risk and state. Colonial General can help determine the best fit. Are there coverage options for crime or employee theft?Yes, crime coverage includes theft of money and securities, robbery, and safe burglary both inside and outside the premises. Which states is this program available in?The Office Insurance program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Need help placing an account? Connect with a market specialist.

Normandy Harbor Insurance Company offers a specialized Workers' Compensation program designed for Florida-based hotel and motel operations. As an admitted carrier with deep underwriting experience in the hospitality industry, Normandy Harbor delivers both flexible coverage options and strong service support to help agents place solid business for their hospitality clients. Ideal Accounts and Appetite This program is built for hotel and motel businesses operating in Florida that meet the following criteria: Minimum premium of $1,000 At least three years of operating experience in the hospitality industry Whether your client operates a boutique inn, a mid-size motel, or a full-service hotel, this program is a strong fit for well-managed operations with stable claims history. Coverage Highlights and Advantages Normandy Harbor understands the unique risks associated with hospitality industry employees, from front desk staff to housekeeping and maintenance crews. Their workers' compensation program includes: Flexible payment options to support cash flow, including: Pay-as-you-go 10% down with monthly payments 10% down with 9 installments 12 equal installments Proactive in-house loss control services targeted to hospitality risks Fast and responsive claims handling to reduce downtime and improve outcomes Dividend potential for qualifying insureds, rewarding safe operations Normandy Harbor is backed by "A" rated reinsurance and has a 100% dividend payment track record, further demonstrating their commitment to long-term partnerships. Underwriting Notes and Minimum Premiums To be eligible, risks must be Florida-based and have a minimum premium of $1,000. Underwriters look for accounts with at least three years of hospitality experience and a solid loss history. New ventures or operations with frequent claims may not be a fit for this program. Territories and Availability This workers' compensation program is currently available in Florida only. As an admitted carrier in the state, Normandy Harbor ensures regulatory compliance and strong local market knowledge. Why Work With Normandy Harbor Insurance Company Normandy Harbor is not just another carrier—they are a dedicated workers' compensation partner focused on Florida businesses. Their hospitality program combines deep underwriting expertise, industry-specific loss control, and flexible billing solutions to help agents write and retain quality business. With a consistent dividend history and responsive service, Normandy Harbor stands out as a strong choice for agents placing hotel and motel accounts. Frequently Asked Questions What types of accounts are a good fit for this program?Hotels and motels in Florida with at least three years of operating experience and a minimum premium of $1,000 are ideal candidates. Is coverage available outside of Florida?No, this program is available exclusively for Florida-based hotel and motel operations. What payment options are available for insureds?Normandy Harbor offers several payment plans, including pay-as-you-go, 10% down with monthly or 9-installment options, and 12 equal installments. Does Normandy Harbor offer loss control services?Yes, they provide proactive, in-house loss control tailored to the unique risks of the hospitality industry. Can new ventures apply for this program?Generally, at least three years of industry experience is required. New ventures may not meet underwriting guidelines. Need help placing an account? Connect with a market specialist.

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Woodworking Insurance — Colonial General Insurance Agency, Inc. Overview of the Program Colonial General Insurance Agency, Inc. offers a dedicated Woodworking Insurance program for agents placing coverage for cabinetmakers, furniture manufacturers, window and door shops, millwork operations and related woodworking contractors. This program provides both property and liability solutions on a mono-line or package basis and can be placed through admitted markets where available or on an excess & surplus basis as needed. Ideal Accounts and Appetite This program works well for small- to mid-sized woodworking and millwork operations that perform design/build, installation and manufacturing for residential and light commercial clients. Typical accounts include: Custom cabinet shops and furniture makers Window and door fabricators and installers Millwork shops producing trim, moulding and architectural components Contractors who both manufacture and install finished goods The program is geared toward operations with standard woodworking exposures (saws, routers, finishing operations, assembly) and reasonable loss histories. It is generally not intended for heavy industrial wood product manufacturers, high-hazard specialty processes, or accounts with frequent/large recent losses. Coverage Highlights and Advantages Underwriters provide flexible options to match the account’s exposures. Key highlights include: Commercial General Liability — Primary limits available up to $3,000,000 occurrence/aggregate Hired and Non-Owned Auto coverage available Medical Payments coverage with a $5,000 limit included Additional interests can be named Excess/Umbrella limits up to $25,000,000 Property coverage options: Basic, Broad, or Special form; building, contents, business income Specialized property add-ons: Bailees’ Customer, Contractors’ Equipment, Installation Floater, Accounts Receivable, Valuable Papers Equipment Breakdown and Outside Signs available Replacement Cost or Actual Cash Value valuation Crime coverage options: inside the premises (theft of money and securities), inside premises robbery or safe burglary of other property, and outside the premises Minimum $500 deductible required Underwriting Notes and Typical Submission Requirements Colonial General’s underwriting team evaluates operations by process, revenue mix, and controls. Common factors they consider include finishing operations (spray booths), dust collection and housekeeping, flammable solvent storage, installation exposures, and bailee/customer exposures. To accelerate review, provide a clear description of operations, years in business, estimated annual receipts or payroll, and recent loss history. Underwriters commonly request a completed application and loss runs; they may also ask for photos of the workspace and protection details for facilities using spray finishes or large finishing systems. Territories and Admitted Status This program is available in: AZ, CA, CO, ID, NV, NM, UT, WY. Colonial General places coverage through multiple markets — admitted where offered and excess & surplus lines where necessary. The admitted status varies by state and by carrier ("Some Available Markets"). Why Place Woodworking Business Through Colonial General? Specialized focus — underwriting that understands woodworking operations and the common loss drivers for small and mid-size shops. Flexible placement — access to a range of admitted and E&S markets and ability to package property and liability with ancillary coverages like bailee and installation floaters. Competitive limit options — higher primary limits and significant umbrella capacity for contractors who need broader protection. Responsive underwriting — practical risk mitigation guidance and tailored terms for accounts with standard controls. Example Accounts You might have a client who operates a local cabinet shop with light installation services and modest annual receipts — this program can provide packaged property and liability with bailee coverage for customer goods. Or you could place a larger regional millwork shop that needs higher liability limits, an installation floater and contractors’ equipment coverage while protecting customer property with bailee’s coverage. For submission help or to confirm market availability in a specific state, contact Colonial General’s underwriting desk through your regular wholesale channels. Colonial General acts as a Managing General Agency and Excess & Surplus Lines Broker with multiple carrier relationships. Frequently Asked Questions What types of woodworking accounts are a good fit for this program?The program targets small- to mid-sized woodworking and millwork operations — cabinetmakers, furniture shops, window and door fabricators, and install-focused contractors. Shops with standard woodworking processes and reasonable loss history are preferred. Are admitted markets available or is this E&S only?Colonial General places business in both admitted and excess & surplus markets. Availability depends on state and carrier appetite; some markets are admitted while others are written on an E&S basis. What limits and key coverages can I expect?Commercial General Liability primary limits are available up to $3,000,000 occurrence/aggregate. Excess or umbrella capacity can go up to $25,000,000. Property, bailee’s customer, installation floaters, equipment breakdown and crime coverages are also available. A minimum $500 deductible is required. What underwriting information should I include with a submission?Include a description of operations, estimated annual receipts or payroll, years in business, and current loss runs. Underwriters will also want to know about finishing operations, dust control, storage of flammables, and whether the client performs installations or has bailee exposures. Which states does the program serve?The program is available in AZ, CA, CO, ID, NV, NM, UT and WY. Market availability and admitted status can vary by state. Need help placing an account? Connect with a market specialist.