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...approximately 10,000 registered investment advisors (RIAs) in the United State...funds, hedge funds, or real estate investments, are a strong fit. We can also ...

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Amwins Specialty Casualty Solutions (ASCS), part of the Amwins Underwriting division, is an MGA and specialty program creator with nearly $1B GWP across multiple industries and lines. ASCS distributes a suite of public entity products designed for pools and individual government clients. Below is a clear summary you can use when evaluating placement options for your public entity insureds. Program overview Amwins Underwriting’s Public Entity Insurance Programs provide dedicated property, liability, and workers’ compensation solutions for public-sector entities. These programs combine specialty underwriting, flexible capacity, and access to well-capitalized markets and reinsurers to address exposures unique to municipalities, school systems, special districts, public housing authorities and similar public entities. Ideal accounts and appetite Municipalities (cities, towns, counties) Public schools and higher education institutions Special districts and service authorities Public housing authorities and municipal utilities Pools and joint powers authorities seeking programmatic solutions You should consider these programs when your client needs higher capacity, layered solutions, or specialized terms crafted for public entities that standard commercial markets struggle to accommodate. Coverage highlights and advantages Public Entity Property: Up to $50M capacity per risk; administered by ASCS and written by a non-admitted carrier; excess follow-form; no TIV cap. Note: unable to participate on lead/primary layers. Public Entity Casualty: Liability offered as follow-form excess or reinsurance; up to $3M per occurrence; placed on AM Best “A-” paper and backed by a panel of global reinsurers; strong underwriting and claims expertise. Public Entity Workers' Compensation: Options include buffer, SIR, alternative funding and excess solutions; carrier ratings across programs range from AM Best "A+" to "A-" XII; available in all states. Underwriting notes and placement considerations Underwriting is program-driven and tailored to public entity exposures. Key considerations include existing policy layers (for follow-form placements), desired limit structure, loss history for public-sector operations, and whether the client is a pool or a single entity. The Property program operates on non-admitted paper; casualty and workers’ comp placements use admitted markets or reinsurer-backed structures depending on the program. Amwins’ underwriting team expects complete submissions with current values, schedules of locations, loss runs, and details on risk-transfer arrangements. Territories and availability Programs are available nationwide. States of availability include: 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. Why place public entity business with Amwins Underwriting Amwins Underwriting brings program design expertise, deep public entity underwriting, and strong carrier/reinsurance relationships. That combination helps you place larger limits, structure layered solutions, and offer funding alternatives for clients who need more than standard commercial terms. The underwriting and claims bench strength noted on the casualty program provides additional confidence for complex liability exposures. (*We work with pools and individual public entities) Frequently Asked Questions What types of public entity accounts are a good fit for these programs?These programs target municipalities, public schools and colleges, special districts, public housing authorities, municipal utilities, and pools. They are a strong fit when clients need higher capacity, excess or reinsurance placements, or alternative funding structures for workers’ comp. Are the programs admitted or non-admitted?Placement depends on the specific product: the Public Entity Property program is written by a non-admitted carrier and administered by ASCS. Casualty and workers’ compensation placements may be on admitted paper or structured with reinsurer support; confirm program specifics when submitting. What information should I include with a submission?Provide current policy details and limits, TIV and schedule of locations for property, recent loss runs, description of operations and exposures, any existing SIR or alternative funding arrangements, and details about pools or joint powers structures if applicable. Which states are these programs available in?The programs are available nationwide. Refer to the storefront for the full list of states, and confirm any state-specific requirements during submission, especially for workers’ compensation and surplus-lines placements. Need help placing an account? Connect with a market specialist.

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Real Estate Agents Insurance — Errors & Omissions (E&O) Real estate agents, brokers, and property managers face a growing blend of professional and property-management exposures as business models evolve. Donald Gaddis Company offers a flexible Real Estate Agents Insurance program designed to help you place accounts that require tailored E&O protection—especially firms that combine sales, leasing, and third-party property management. Ideal Accounts and Appetite This program is intended for residential and commercial real estate professionals whose operations include one or more of the following: Residential agents with light to moderate property management responsibilities Agents and brokers in resort or coastal markets who manage short-term rentals Commercial brokers seeking E&O with GL-style enhancements Property managers handling residential or mixed-use buildings for third-party owners Typical fits: firms with straightforward transaction volumes, mixed sales/management duties, or programs that need discrete sub-limits for lockbox or environmental exposures. Accounts with high-hazard property management (e.g., full-service multifamily operations with on-site maintenance staff and large tenant rosters) may require specialized markets outside this program. Coverage Highlights and Advantages Donald Gaddis Company places this program with a fluid list of carriers to address common exposures real estate professionals confront, including: Misrepresentation — Defense and indemnity for claims alleging incorrect or incomplete information provided to buyers or tenants. Lockbox liability — Available sub-limits for claims arising from property access issues. Environmental exposures — Protection for undisclosed issues such as septic failures or historical soil contamination. Contractual errors — Coverage for mistakes in contracts, late submissions, or negligent vendor referrals. Property management liability — Defense for suits brought by property owners and tenants related to management services. Tenant discrimination — Offered by select carriers via separate limits or modified exclusions. We work with you to identify policy wording and endorsements that align with each client’s operational footprint and risk appetite. Underwriting Notes and Minimum Premiums Programs are competitively priced and start as low as $400 for many residential agents and approximately $1,000 for commercial agents, depending on location and exposure. Underwriting focuses on transaction volume, prior claims or disciplinary history, property management duties, and whether short-term rentals are managed. Clear, complete submissions with details on management activity, screening procedures, and contracts improve placement speed and market options. Territories and Availability Donald Gaddis Company offers this Real Estate Agents E&O program in most states, including: AL, AZ, CA, CO, FL, GA, HI, IL, IN, IA, KS, MI, MN, MO, NE, NY, NC, OH, OK, PA, SC, TN, TX, VA, WV, and WI. Admitted markets are available in many of these states depending on the risk and carrier appetite. Why Work With Donald Gaddis Company? As a wholesale broker with deep experience in professional liability and real estate exposures, Donald Gaddis Company pairs carrier access with hands-on underwriting guidance. You gain: Access to a fluid panel of carriers that can offer admitted and non-admitted solutions depending on the state and risk Practical placement advice to match coverage form and limits to the client’s duties Assistance negotiating endorsements for lockbox, environmental, and tenant-related exposures Whether your client is a suburban residential agent adding property management, a coastal agent managing short-term rentals, or a commercial broker seeking E&O with GL-style enhancements, Donald Gaddis Company helps you identify the right market and policy language. Example Account Scenarios You have a small residential brokerage in a beach town that lists homes and manages several short-term rentals for absentee owners — this program can provide E&O with lockbox and environmental considerations. You represent a commercial broker who performs leasing and property oversight for several mixed-use properties and needs E&O with property management liability included — we can target carriers that offer those combined features. Frequently Asked Questions What types of accounts are a good fit for this program? Residential agents, commercial brokers, and property managers with light to moderate management duties—especially those with mixed sales and management roles—are an excellent fit. Does this program include tenant discrimination coverage? Yes—some carriers in our panel offer tenant discrimination coverage via separate limits or modified exclusions. We’ll identify the appropriate carrier during placement. Are both residential and commercial agents eligible? Yes. We place both residential and commercial real estate professionals; minimum premiums and available enhancements vary by account type and location. Is this program available nationwide? The program is available in most states listed above, with admitted markets offered in many of them depending on carrier appetite and the specific risk. Can this policy cover agents who also manage rental properties? Absolutely. The program is designed to cover agents who also perform property management, including short-term rental management in appropriate markets. Need help placing an account? Connect with a market specialist.

Technology professionals face a wide range of liability exposures—from software errors and system outages to privacy breaches and data security incidents. The Technology Professional Liability Insurance program from Donald Gaddis Company is designed to help independent agents and brokers place comprehensive and flexible Tech E&O coverage for these evolving risks. Ideal Accounts and Appetite Donald Gaddis Company represents multiple top-rated carriers and has access to broad-form Technology E&O markets tailored for: Software developers and application service providers IT consultants and managed service providers Data hosting services and cloud solution vendors Telecommunications and networking companies Medical and engineering tech firms with contingent BI/PD exposures Whether you're working with a startup or an established tech consultancy, Gaddis Co. can help you find market options that are both competitively priced and coverage-rich. Coverage Highlights and Advantages Some carriers offer extremely broad forms at pricing that rivals more traditional, limited policies. Available features may include: Integrated coverage for professional liability, media, privacy, and network security Optional coverages for privacy event expense, network extortion, and contingent BI/PD Defense for privacy regulatory investigations and associated restitution payments Enterprise privacy coverage including paper records, third-party vendors, and policy breaches Vicarious liability protection for rogue employee acts Broad media liability for websites, blogs, video/audio content, and printed materials Worldwide coverage territory and punitive damages (where insurable) Underwriting Notes and Minimum Premiums Coverage can be customized with declarations that reflect the actual scope of your client’s technology and telecommunications services. Premiums start around $900, making this program accessible even for solo consultants and small firms. Gaddis Co. invests the time and attention needed to help you place the right coverage—no matter the account size. Territories and Availability Donald Gaddis Company offers this program in a wide range of states, including AL, AZ, CA, CO, FL, GA, HI, IL, IN, IA, KS, MI, MN, MO, NE, NY, NC, OH, OK, PA, SC, TN, TX, VA, and WI. Admitted options are available in some states, depending on the carrier and risk profile. Why Work With Donald Gaddis Company As a wholesale broker, Gaddis Co. partners with dozens of reputable carriers—including Axis, USLI, Navigators, One Beacon, Markel, Admiral, Beazley, and others. Their team specializes in crafting tailored solutions for technology accounts of all sizes and complexities. With a service-first mindset and access to both traditional and emerging markets, Gaddis Co. works hard to earn a place as one of your go-to wholesalers for Tech E&O coverage. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include software developers, IT consultants, managed service providers, telecom companies, and tech-enabled firms with professional liability exposures. Can this program cover privacy breaches and data security incidents?Yes, many carriers offer seamless coverage for network security, privacy liability, and related regulatory investigation expenses. Is this program suitable for small tech startups?Absolutely. Premiums start around $900, and Gaddis Co. is committed to helping agents place even small, single-person tech accounts. Are admitted markets available?Admitted options are available in some states, depending on risk characteristics and the carrier selected. What is the geographic availability of this program?This program is available in over 20 states, including CA, FL, IL, NY, TX, and many others. Contact Gaddis Co. to confirm availability in your state. Need help placing an account? Connect with a market specialist.

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