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COMMERCIAL BINDING AUTHORITY with Hudson Specialty Insurance Company Atlantic Risk Specialists, Inc./ARS-Latiff, LLC offers agents access to a robust In House Binding Facilities Insurance program backed by Hudson Specialty Insurance Company. This exclusive binding authority allows for fast, flexible quoting and binding on a range of small to mid-sized commercial Property and Casualty risks written on a non-admitted, excess and surplus lines basis. Ideal Accounts and Appetite This program targets a wide array of commercial operations that need General Liability or Package coverage and may also have limited Liquor Liability or Limited Professional Liability exposures. Liquor and Professional Liability must be written in conjunction with the General Liability. Ideal risks are small to medium-sized businesses that may not qualify for standard markets due to class codes, prior losses, or unique exposures. Sample eligible accounts might include: A neighborhood convenience store that also sells beer and wine A small contractor needing GL and Professional coverage for incidental design work A family-owned banquet hall that serves alcohol Coverage Highlights and Advantages Agents working with ARS-Latiff benefit from in-house binding authority, which means faster turnaround times and streamlined workflows. This program offers flexible coverage options including: General Liability Commercial Package Policies Limited Liquor Liability (written with GL) Limited Professional Liability (written with GL) Coverage is provided through Hudson Specialty Insurance Company, a well-capitalized carrier with a strong reputation in the E&S market. Underwriting Notes and Minimum Premiums Minimum premiums for this program start at $1,500, making it accessible for smaller accounts that may not meet thresholds for larger programs. Submissions are reviewed in-house, allowing for responsive underwriting decisions and efficient placement of business. Territories and Availability This in-house binding program is available to licensed agents and brokers in the following states: Connecticut (CT) Florida (FL) New Jersey (NJ) New York (NY) Pennsylvania (PA) As a non-admitted offering, this program is well-suited for risks that fall outside the appetite of standard markets or require more flexible terms. Why Work With Atlantic Risk Specialists, Inc./ARS-Latiff, LLC? ARS-Latiff is a trusted E&S broker with strong carrier relationships and in-house authority that empowers agents to place challenging risks quickly and confidently. Their underwriting team understands the nuances of small to mid-sized commercial exposures and works closely with agents to craft appropriate coverage solutions. Whether you’re looking to place a single location with liquor exposure or a multi-class package risk, ARS-Latiff can help you meet your client’s needs with speed and expertise. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for small to mid-sized commercial operations needing GL or Package coverage, especially those with incidental liquor or professional exposures. Is Limited Liquor or Professional Liability available as a standalone policy?No, both Limited Liquor and Limited Professional Liability must be written in conjunction with General Liability coverage. How fast can I get a quote through this program?Since ARS-Latiff has in-house binding authority, turnaround times are generally faster than traditional markets. Most quotes are returned quickly, depending on the completeness of the submission. What is the minimum premium?The minimum premium for this program starts at $1,500, though final pricing depends on risk characteristics and coverage selections. Which states are eligible for this binding facility?This program is available in Connecticut, Florida, New Jersey, New York, and Pennsylvania. Need help placing an account? Connect with a market specialist.

Manufactured Housing Communities Insurance Program OnP...is program is ideal for manufactured housing community owners, mobile home par...

... needs of mobile and manufactured housing owners, dealers and park operators. ... in the mobile home and manufactured housing sector, holds underwriting author...

...argeted RV parks and manufactured housing parks program designed for the uniqu...multi-site RV parks and manufactured housing communities with documented opera...

An injury on the job can be one of the most costly liabilities for your client’s business. Medical bills, rehabilitation, permanent disability and fatal claims can create significant financial and operational strain. Keating offers tailored Workers' Compensation placement solutions to help you protect your clients, manage exposures, and keep businesses running after a loss. Program Highlights • Fast turnaround on quotes and submissions • Premiums starting at $2,500 and scaling to large, risk-managed operations • Appetite for startup operations • Multi-state capabilities • High experience mod factors accepted • In-house authority with several top-rated carriers • Direct bill options, including pay-as-you-go • Competitive pricing and agent commissions Overview — Keating's Workers' Compensation Program Keating is a wholesale broker with deep Workers' Compensation expertise and broad carrier access. We combine underwriting experience, streamlined submission workflows, and in-house authority to place accounts across a wide range of industries and risk profiles. Our team focuses on responsive service so you can move business quickly and give your clients reliable coverage and flexible billing options. Ideal Accounts and Target Classes We handle hundreds of class codes and a variety of account sizes — from single-location small businesses to multi-state operations with complex exposures. Typical target classes include: • Artisan contractors • Auto service & towing • Bus companies • Cell tower construction • Drywall contractors • Grocery and retail stores • Home health agencies & VNAs • Hotels and motels • Long and short haul trucking • Manufacturing • Non-emergency medical transportation • Remodeling contractors • Restaurants (single location to chains) • Social services • And many more We also operate exclusive specialty programs for social services, home health / visiting nurse associations, and medical temporary staffing. Example fits: - You might have a growing regional contractor with a higher experience modification factor and multi-state payroll — Keating can help place the account and arrange pay-as-you-go billing. - Or a startup home health agency needing admitted coverage and competitive pricing — our specialty programs are designed for that appetite. Coverage Highlights and Advantages - In-house authority with multiple top-rated carriers for flexible placement options. - Admitted and non-admitted solutions depending on state and risk characteristics. - Direct-bill and pay-as-you-go billing to reduce audit surprises and help clients manage cash flow. - Ability to consider higher experience mod factors and more complex loss histories when the operations and controls justify placement. Underwriting Notes & Submission Requirements To evaluate risks quickly, include the following with submissions: • Completed ACORD 130 application • Experience Modification Worksheet • 3–5 years of currently valued loss runs • Detailed description of operations and payroll breakdowns Minimum premiums typically start around $2,500, but final pricing depends on class codes, state, payroll, and underwriting details. Territories and Availability Keating’s Workers' Compensation program is available in all 50 states and Washington, DC. We offer both admitted and non-admitted options where appropriate for the risk and state requirements. Why Work With Keating? As a wholesale broker, Keating brings: • Dedicated underwriting expertise and quick response times • Broad carrier relationships and in-house authority to place difficult or specialized risks • Flexible billing and competitive terms to help you sell and retain business • Practical guidance on structure, endorsements, and loss-control strategies Our team acts as an extension of your brokerage — helping you find the right market, structure terms, and move submissions efficiently from quote to bind. Contact Keating today—your trusted partner in Workers' Compensation insurance placement. Frequently Asked Questions What types of accounts are a good fit for Keating’s Workers' Compensation program?Keating is a strong market for artisan contractors, healthcare providers, social services, trucking, manufacturing, retail, and many other classes — including startups and higher-mod operations that need flexible placement options. Is this program available in all states?Yes. Our Workers' Compensation program is available in all 50 states and Washington, DC, with admitted and non-admitted options depending on the state and risk. Do you accept high experience modification factors?Yes. We can consider accounts with higher experience modification factors when the overall operations, controls, and exposure profile support placement. What is the minimum premium for this program?Minimum premiums generally start around $2,500, but final minimums depend on class code, state, payroll, and underwriting factors. What carriers does Keating work with?We have in-house authority with multiple carriers and strong wholesale relationships, giving us flexibility to find the right fit across admitted and non-admitted markets. Need help placing an account? Connect with a market specialist.

...needs of the growing manufactured housing industry. With over 15 years of nati... dealers, RV parks, and manufactured housing communities with owned rental uni...

...t combines counseling, detox, and housing support — this program may be a grea... Psychiatric Hospitals Public Housing and Housing Authorities Sex Offender Programs V...

Policy Highlights: Colonial General Insurance Agency, Inc. provides a focused Security Patrol Insurance program for agencies and contractors operating in higher-risk security and investigative roles. Whether your client employs armed or unarmed guards, operates K-9 units, conducts private investigations, provides process serving, or runs firearms training, this program is designed to deliver comprehensive liability and property protection tailored to those exposures. Eligible classes also include polygraphists, process servers, and claims adjusters with draft authority of $5,000 or less. Ideal Accounts and Appetite This program is well suited for a wide range of security-related businesses, including: Security guard and patrol companies (armed or unarmed) Contract firms using K-9 units Private investigation agencies Process serving operations Firearms certification instructors and training schools Claims adjusters with limited draft authority Typical fits include regional patrol companies that provide armed and unarmed guards for retail, construction, or event sites, and private investigators who also offer contract security or process serving. The program favors disciplined operations with documented training, written procedures, and loss control measures. Coverage Highlights and Advantages Commercial General Liability Coverage includes: Primary limits available up to $3,000,000 occurrence / aggregate $5,000 Medical Payments—automatically included Additional Interests—$100 each Assault & Battery—covered at full policy limits (optional sub-limits offered at discounted rates) Errors & Omissions Coverage Part for professional exposures Lost Key Coverage—$25,000 limit included Property Damage Extension for Care, Custody & Control—$5,000 / $25,000 limits Excess/Umbrella capacity available up to $25 million Loss prevention brochure and best practices guidance to support underwriting and risk control Property Coverage options include: Basic, Broad, or Special Forms Building, Business Income, and Contents coverage Replacement Cost or Actual Cash Value basis available Crime Coverage available: Inside the Premises—Theft of Money and Securities Inside the Premises—Robbery or Safe Burglary of Other Property Outside the Premises coverage Underwriting Notes Colonial General can write coverage on a monoline or package basis and uses flexible underwriting to address the specific operations and exposures of each firm. Underwriting will consider employee hiring practices, training programs, weapons-handling controls, K-9 handling, and documentation of client contracts and scopes of work. Access to admitted and non-admitted markets helps place accounts that may require broader forms or higher limits. Territories and Availability This program is available in: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Some coverages are offered on admitted paper where available; Excess & Surplus options are used when the risk or jurisdiction requires non-admitted placement. Why Work With Colonial General? As a Managing General Agency and Excess & Surplus Lines broker, Colonial General combines niche expertise in security and investigative exposures with broad market access. Their underwriters and market contacts allow you to place complex or hard-to-insure accounts with tailored forms, higher limits, and loss-control guidance — all aimed at keeping risks in forceable, well-documented programs. Learn more about Colonial General and their capabilities by visiting their company profile. Frequently Asked Questions What types of accounts are a good fit for this program?Security patrol firms, private investigators, process servers, firearms instructors, and adjusters with limited draft authority are all good fits, especially when they have documented training and client contracts. Are both armed and unarmed guards eligible?Yes. The program accepts accounts with armed or unarmed personnel, including operations that use guard dogs, subject to underwriting review of training and weapons controls. Is Assault & Battery coverage included?Yes. Assault & Battery is included at policy limits; sub-limits are available as a lower-cost option where appropriate. Which states is this program available in?Coverage is currently offered in AZ, CA, CO, ID, NV, NM, UT, and WY. Can I combine Property and Liability coverages?Yes. The program supports monoline or package placements, and property, crime, and excess limits can be added to match the client’s exposures. Need help placing an account? Connect with a market specialist.

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