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...zed insurance program tailored for Labor Organizations, including local, regio..., and real estate owned or managed by labor organizations. The program is best...

...atory contractors who employ union labor. This admitted, group-captive solutio...Signatory contractors employing union labor with consistent payrolls, document...

Overview — PointSure: Workers' Compensation for Contractors and Maritime Employers PointSure Insurance Services, Inc. offers a wholesale program placing Workers' Compensation and related maritime liability for contractors and maritime employers. This program is designed for agents and brokers seeking admitted capacity with SeaBright Insurance Company for construction contractors (including collectively bargained California union accounts), vessel employers, shipyards, longshore operations and other maritime exposures. Use this market when your insured needs broad workers' compensation solutions combined with USL&H and maritime employers' liability placement options. Ideal Accounts and Appetite Union and non-union contractors, including California collectively bargained union contractors. Maritime employers: vessel operators, crews, ship repair and maintenance, longshore and terminal operations, marine contractors performing work on or near navigable waters. Accounts with larger payrolls or consolidated payrolls that meet program minimums—this is a market for mid-to-large accounts rather than small single-employee risks. Accounts with organized safety programs and documented loss control, and those able to provide standard payroll and claims details. Coverage Highlights and Advantages Admitted workers' compensation placement through SeaBright Insurance Company, helping agents place business with carriers acceptable to many insureds and buyers. Integrated handling of USL&H and Maritime Employers' Liability exposures alongside statutory workers' compensation for a coordinated placement. Program experience with collectively bargained California union contractors and specialized maritime classes that many standard markets decline or limit. Ability to support multi-state operations and certain specialty classes with underwriting that understands marine exposures and contractor payroll structures. Underwriting Notes and Minimum Premiums Underwriting focuses on payroll size, loss history, class codes, and safety controls. Minimum premiums vary by coverage line and state — confirm details at submission. Typical minimums include: Collectively bargained workers' compensation (California union contractors only): Minimum premium = $250,000 Statutory workers' compensation for contractors: Minimum premium = $75,000 in AK and HI; $250,000 in other states Statutory workers' compensation for other classes (Alaska and Hawaii only): Minimum premium = $75,000 USL&H and Maritime Employers' Liability: Minimum premium = $125,000 in CA $75,000 in AK, OR and WA $100,000 in other states Supporting coverage available in select other states — call PointSure for details and state-by-state availability. Please note these minimums are underwriting thresholds and subject to change; provide full submission details to get current terms. Territories and Availability Admitted status: All Available States. PointSure currently places business through this program in states including AZ, CA, IL, IN, IA, KY, MI, MO, NV, TX and WI, with additional state support as noted for specific coverages. Availability can vary by class and state – confirm at time of submission. Why Work With PointSure on This Business Wholesale broker expertise: PointSure focuses on placing complex contractor and maritime workers' compensation risks that require an underwriter familiar with marine exposures. Carrier access: Placement through SeaBright Insurance Company provides an admitted option for many classes and helps streamline placement for insureds that prefer admitted paper. Responsive submissions: PointSure underwriters are experienced with the documentation and payroll detail these accounts require, helping reduce turnaround for binding decisions. Example Account Scenarios California union contractor with multiple collective bargaining agreements seeking admitted workers' compensation coverage for large payrolls — fits the program's CA union appetite with the applicable minimums. Regional marine contractor performing vessel repairs and dock work across WA and OR with USL&H exposures — good fit when you need coordinated maritime employers' liability and workers' compensation placement. Frequently Asked Questions What types of accounts are a good fit for this PointSure program?Contractors with larger payrolls (including collectively bargained California union accounts) and maritime employers with USL&H exposures — shipyards, vessel operators, longshore work and marine contractors are primary targets. Which carrier writes this program and is the paper admitted?This program places admitted paper with SeaBright Insurance Company. Admitted availability is represented as All Available States, but state-by-state capacity and terms can vary. What are the underwriting minimums I should expect?Minimum premiums vary by coverage and state. Examples include $250,000 minimum for CA collectively bargained workers' compensation; $75,000 minimum in AK and HI (and $250,000 in other states) for contractor statutory WC; and USL&H minimums of $125,000 in CA, $75,000 in AK/OR/WA, and $100,000 in other states. Provide a full submission to confirm current thresholds. What submission information speeds review and quoting?Provide complete payroll breakdowns by class code, current loss runs (five years if available), details on collective bargaining where applicable, descriptions of marine operations or vessel exposure, and any written safety or return-to-work programs. Need help placing an account? Connect with a market specialist.

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LET CMS PUT THE PIECES TOGETHER FOR YOU! Overview — WORKERS COMPENSATION from CMS, LLC CMS, LLC is a wholesale broker offering a flexible Workers Compensation program that pairs in-house rating and binding capability with access to multiple A-rated and national carriers. This program is built for independent agents who need a dependable market for standard and challenging comp accounts. CMS provides quick turnaround, competitive commissions, and underwriting flexibility across a broad set of industries. Ideal Accounts and Target Classifications Primary target classes include: Contractors (note: $10,000 minimum premium for many contractor accounts, including new ventures) Offices and professional services Wholesalers and distributors Manufacturers Property / building managers Transportation (typically a $10,000 minimum premium) Main Street mercantiles and retail operations Other small- to mid-sized commercial risks Coverage Highlights and Advantages Access to more than 10 A-rated and national insurance companies, giving you multiple placement options. In-house rating and binding — faster quotes and the ability to bind coverage quickly when you need it. Ability to consider tougher risks, including certain loss experience modifications and mid-term situations. Competitive commission structures for agents. Underwriting Appetite & What We Will Consider CMS will consider a wide range of accounts, including: New ventures — we will review start-ups across target classes, particularly contractors and service businesses. Loss experience modification (mods) up to 1.70 — we can work with elevated loss histories where appropriate underwriting and risk control plans exist. Mid-term cancellations — we can evaluate accounts mid-term when coverage gaps or cancellations occur. Accounts that typically do not fit include very large captive programs, extremely high hazard classes without risk control, or accounts below minimum premium thresholds noted for specific classes. Underwriting Notes and Minimum Premiums Some target classes carry minimum premium requirements. In particular, contractors and transportation accounts commonly require a $10,000 minimum premium. Submission requirements vary by carrier and class; provide payroll breakdowns, loss runs, and details on subcontractor use when available to speed placement. Territories and Availability This Workers Compensation program is available in the following states: AL, CA, CT, FL, GA, IL, KY, ME, MA, MI, NH, NJ, NY, NC, PA, RI, SC, TX, VT, VA and DC. CMS works as a wholesale broker to place admitted coverage with carriers suitable for each state and account. Why Work With CMS, LLC on Workers Compensation? Wholesale expertise: CMS focuses on helping retail agents place commercial comp business that can be challenging to bind elsewhere. Speed and flexibility: In-house rating and binding capability reduces placement time and helps you close business faster. Market access: Multiple A-rated and national carriers provide options for layering, pricing, and specific underwriting needs. Service orientation: CMS evaluates new ventures, higher-mod accounts, and mid-term placement opportunities to keep your business intact. Example Account Scenarios You have a small contracting firm that recently expanded; payroll and exposure meet the $10,000 minimum. CMS can evaluate the risk, consider a new venture submission, and present A-rated carrier options. A regional wholesale distributor with a mid-term cancellation needs immediate coverage. CMS can assess loss runs and underwriting details to place the account quickly with a carrier in our panel. Frequently Asked Questions What types of accounts are a good fit for this Workers Compensation program?CMS targets contractors, offices, wholesalers, manufacturers, property managers, transportation, and Main Street mercantiles. The program is designed for small- to mid-sized commercial accounts and can consider new ventures and tougher loss histories up to a 1.70 mod. Are there minimum premium requirements?Yes. Certain classes—most notably contractors and transportation—commonly require a $10,000 minimum premium. Minimums may vary by carrier and state; provide full submission details so CMS can identify the appropriate market. Which states are covered and is coverage admitted?The program is available in AL, CA, CT, FL, GA, IL, KY, ME, MA, MI, NH, NJ, NY, NC, PA, RI, SC, TX, VT, VA and DC. CMS works as a wholesale broker to place admitted coverage with participating carriers in those states. What information should I include with a submission to speed placement?Provide current and prior loss runs, payroll details by class code, a description of operations and any subcontractor usage, claims mitigation or safety programs, and details on new ventures if applicable. How quickly can CMS respond and bind coverage?Because CMS offers in-house rating and binding capability and access to multiple A-rated carriers, turnaround is typically faster than market averages. Response times depend on completeness of the submission and carrier underwriting requirements. Need help placing an account? Connect with a market specialist.

Mercator Risk Services, offered through Preferred Concepts LLC, provides customized professional liability solutions for a wide range of consultants and miscellaneous professionals. This program is built for hard-to-place, unusual, or specialized risks that often fall outside traditional coverage options. Whether your client operates in a niche industry or delivers a unique mix of services, Mercator’s underwriting team can help secure tailored protection. Ideal Accounts and Appetite This program is suitable for consultants and professional firms across more than 60 classes, including accounts with mixed or complex exposures. Mercator Risk Services has an appetite for accounts that are challenging due to operational complexity, regulatory sensitivity, or specialized service offerings. Representative classes include: Benefit Administrators Claims Adjusters / TPAs Computer / EDP Services Collection Agencies Consultants (all types) Customs / Freight Brokers Designers Flood Insurance Data Providers Independent Testing Labs Inspection Services IT Professionals Legal Service Providers Marketing Research Organizations Medical Billing or Research Firms Meeting Planners Property Managers Real Estate Related Services Regulatory Compliance Advisors Tax Preparers Technology Accounts Telecom Site Services If your client fills a hybrid role—such as combining IT consulting with compliance advisory—this program can accommodate mixed exposures with tailored underwriting solutions. Coverage Highlights and Advantages Mercator’s professional liability coverage is structured to address the specific risks associated with professional services. Policies can include enhancements and endorsements to match an insured’s services and likely claim scenarios. Typical coverages and add-ons include: Errors & omissions arising from professional advice or services Claims related to data security, privacy incidents, or technology failures Regulatory and compliance-related exposures Coverage for mixed or evolving professional service offerings Each submission is underwritten on its own merits so coverage and limits are aligned with the client’s operations and risk profile. Underwriting Notes and Minimum Premiums Mercator specializes in hard-to-place and distressed accounts, making them a go-to when standard markets decline or cannot accommodate an exposure. They consider new risks, unique operations, and accounts with prior claims. Minimum premiums vary by class and exposure and are determined case-by-case through underwriting review. Territories and Availability This program is available nationwide, including all 50 states and Washington, D.C. Coverage is offered on a non-admitted basis through various carriers, providing flexibility for specialized and emerging risks. Why Work With Preferred Concepts LLC and Mercator Risk Services Preferred Concepts LLC connects agents and brokers with Mercator’s specialized underwriting expertise. Access to multiple carriers and a demonstrated appetite for difficult accounts lets you place unconventional professional liability risks that many admitted markets will not accept. The partnership emphasizes personalized service, pragmatic underwriting, and creative solutions to keep business placed. Common examples you might encounter: A small IT firm that also provides regulatory compliance advice and needs a single professional liability policy covering both technology and advisory exposures. An independent testing lab with a limited claims history but a unique testing procedure that traditional carriers view as non-standard. To learn more, visit the full program page at Preferred Concepts LLC – Miscellaneous Program or contact the market for submission instructions and application requirements. Frequently Asked Questions What types of accounts are a good fit for this program?This program is designed for consultants and miscellaneous professionals across more than 60 classes, especially those with unique, complex, or hard-to-place exposures. Can this program handle accounts with prior claims or distressed histories?Yes. Mercator Risk Services specializes in hard-to-place and distressed risks and will consider accounts with prior claims on a case-by-case basis. Is the coverage available in all states?Yes. This program is available in all 50 states and Washington, D.C., and is offered on a non-admitted basis through various carriers. What types of coverage enhancements are available?Policies can be tailored with endorsements to address data breaches, regulatory exposures, mixed service operations, and other specialized risks relevant to the insured’s services. How do I submit a risk for consideration?Contact Mercator Risk Services via the Preferred Concepts submission channels, or visit the program page to access applications and submission guidelines. Need help placing an account? Connect with a market specialist.