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...tions; includes land with ponds or lakes We can write buildings up to 6 stori...n you write vacant land with ponds or lakes?Yes. Our program includes coverage for vacant land with ponds and lakes, and we do not impose acreage limi...

... (e.g., Bahamas, Gulf Coast, Great Lakes) You might have a client wh... regions, inland waterways, and Great Lakes territories. What carriers does Gl...

...consider properties with up to two lakes or ponds and up to 1,000 acres per lo...can also consider land with up to two lakes or ponds. Are structures allowed o...

...ating on the Gulf Coast, the Great Lakes, or a mountain lake in the Rockies, P...

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By partnering with the ISA Private Client Group, you can confidently place High Net Worth Homeowners accounts with a trusted team that delivers exceptional service and comprehensive protection. As a Managing General Agency working with top-tier carriers like CHUBB, AIG, NatGen Premier, and Vault, Irwin Siegel Agency offers tailored solutions for affluent clientele across all 50 states and D.C. Ideal Accounts and Appetite Our Private Client Group is built to serve individuals and families with significant assets and lifestyle exposures. Ideal accounts include: High-value primary, secondary, and vacation homes Clients with fine art, jewelry, collectibles, or luxury vehicles Multi-home households or properties in multiple states Affluent individuals needing high personal liability protection You might have a client upgrading to a custom-built estate near the coast, or one who collects high-end vehicles and needs agreed value coverage—these are great fits for our program. Coverage Highlights and Advantages Through ISA Private Client Group, your clients gain access to superior protection and flexible settlement options. Our program features: Guaranteed Replacement Cost for dwellings and other structures Replacement Cost for Contents with no depreciation deductions Cash settlement option available up to policy limits Special coverages for landscaping, pets, and rented properties Agreed value and new vehicle replacement for autos Worldwide liability coverage and high UM/UIM limits Personal liability limits ranging from $1 million to $100 million Coverage for valuables with no deductible under most loss types Underwriting Notes and Minimum Premiums We provide complete quotes within 48 hours and process most endorsements within 24 hours. There are no minimum production requirements, and minimum premiums vary depending on risk and location. Our underwriters are available during business hours—no voicemail—and will assist you throughout the process. Territories and Availability This program is available in all 50 states and Washington, D.C. We work with both admitted and non-admitted markets, offering the flexibility to meet a wide range of client needs across diverse geographies and risk profiles. Why Work With ISA Private Client Group Irwin Siegel Agency is committed to delivering a concierge-style experience for both agents and insureds. You’ll benefit from: Enhanced commission opportunities Dedicated underwriter support—no call centers Fast, accurate quoting and endorsements Access to elite carriers known for superior claims handling One account is all it takes to experience The Siegel Difference. To learn more or get started, visit https://pcg.siegelagency.com/ or call 800.622.8272. Frequently Asked Questions What types of accounts are a good fit for this program?High net worth individuals with luxury homes, valuable personal property, or complex liability exposures are ideal for this program. Is there a minimum production requirement to access this program?No, there are no minimum production requirements. One account is all it takes to access the program. How quickly can I expect quotes and endorsements?Quotes are typically provided within 48 hours, and most endorsements are processed within 24 hours. Which carriers are available through this program?We offer access to CHUBB, AIG, NatGen Premier, and Vault, depending on the risk and location. Can this program cover homes in multiple states?Yes, the program is available in all 50 states and D.C., and can accommodate clients with properties in multiple locations. Need help placing an account? Connect with a market specialist.

Overview of the Program From Access E&S Insurance Services No risk management strategy is complete without adequate protection against employment practices exposures. Access E&S Insurance Services places stand-alone Employment Practices Liability (EPL) policies through E&S markets to fill gaps that traditional D&O or package policies sometimes leave open. Judgments and settlements in employment disputes are increasing, and many matters resolve with payments borne by the defendant—making a dedicated EPL form a practical solution for your clients. What this program provides The program offers modern EPL wording that addresses a broad range of employee-related exposures and often removes allocation and deductible issues common to non-stand-alone placements. Coverage is typically written on a claims-made basis and many markets available through Access E&S provide options such as Claims Expense Outside the Limit of Liability, low per-claim deductibles, and flexible minimum premiums. Coverage Highlights and Advantages Harassment Wrongful termination Discrimination Constructive termination Hostile work environment Failure to hire or promote Whistleblower retaliation Third-party acts directed at employees Punitive damages coverage where allowable by law Carriers: Various. Because Access E&S is an Excess & Surplus Lines Broker, it can access multiple non-admitted markets to place difficult or specialized EPL risks. Ideal Accounts and Appetite This program is best for employers who need a stand-alone EPL policy rather than relying solely on D&O or package coverage. Ideal accounts include small to mid-sized private companies and non-profit organizations across industries such as healthcare, hospitality, retail, technology, construction and manufacturing. Many carriers within the program welcome employers with good HR controls and documented personnel practices. Accounts with multiple prior or recent EPL claims, ongoing regulatory investigations, or high-severity exposures may require enhanced underwriting or be declined depending on carrier appetite. Example scenarios You have a mid-sized retail client who wants broader defense coverage for harassment and discrimination claims than their D&O policy offers — this program can provide a targeted EPL solution. A startup technology firm with fast hiring and limited HR documentation needs EPL limits and defense outside the limit options to attract executive talent — a stand-alone EPL placement through Access E&S can be quoted for that need. Underwriting Notes and Minimum Premiums Most forms are written on a claims-made basis. Available options often include Claims Expense Outside the Limit of Liability and deductibles that can be as low as $1,000 per claim with minimum premiums that vary by carrier and state. Underwriting typically reviews employee counts, HR practices, prior employment-related claims, corporate culture controls (investigations, training, handbook, termination procedures) and any current or prior regulatory activity. Territories and Availability This program is available through Access E&S in the following states: AZ, CA, CO, NV, TX, WA. As an E&S broker, Access E&S places coverage on a non-admitted basis with multiple markets as needed; appetite and terms vary by carrier and state. Why Work With Access E&S Insurance Services on EPL Access to multiple E&S markets for flexible wording and capacity. Program placement expertise for standalone EPL to avoid allocation issues with D&O policies. Responsive underwriting for accounts that need tailored limits, deductible structures, and defense expense options. Practical guidance for submissions—agents can expect focused questions on HR controls and claim history to secure the most competitive offerings. Frequently Asked Questions What types of accounts are a good fit for this program?Small to mid-sized employers and non-profits that need standalone EPL protection—especially where D&O or package policies leave gaps for employee-related exposures. Industries commonly placed include healthcare, hospitality, retail, tech, construction and manufacturing. Are policies written on a claims-made basis?Yes. Most carriers in this program issue EPL on a claims-made basis. Many also offer options such as Claims Expense Outside the Limit of Liability; specifics depend on the selected market. What are typical submission requirements?Underwriters generally request an application, company payroll and employee counts, details of any prior employment-related claims, copies of employee handbooks and HR procedures, and information about executive and managerial training programs. Is this program admitted or non-admitted?Access E&S places EPL through Excess & Surplus Lines markets. Availability and terms are subject to each carrier’s state filings and appetite; the program is offered in AZ, CA, CO, NV, TX and WA. How do deductibles and minimum premiums typically look?Deductible options can be competitive—some carriers offer per-claim deductibles as low as $1,000. Minimum premiums and exact deductible structures vary by carrier and state, so provide full submission details to receive accurate indications. Need help placing an account? Connect with a market specialist.

Overview — Data Breach Insurance from Access E&S Insurance Services When a business collects or stores customer personal information — credit card numbers, social security numbers, medical records, or other personally identifiable information (PII) — a data breach can quickly become costly and reputationally damaging. Access E&S Insurance Services places Data Breach / Cyber Liability coverage through multiple markets to help agents protect their clients from the financial and liability fallout of a breach. What this program does for your clients This program addresses the core costs following a breach: incident forensics to determine scope and root cause; customer notification and regulatory reporting; identity-theft monitoring and credit services; public relations and crisis management; legal defense and settlement costs; PCI fines and assessment expenses when applicable; and coverage for business interruption and extortion/ransom attacks where offered by the market. Access E&S works with several carriers so you can consider admitted and non-admitted options depending on the account. Ideal Accounts and Appetite Small-to-mid sized retailers and restaurants that process card payments and maintain POS systems. Professional service firms (accountants, lawyers, consultants) that store client PII or financial records. Medical, dental, and allied health practices that handle protected health information (PHI). E-commerce merchants, specialty online retailers, and others using third-party cloud services. Property managers, non-profits, and educational organizations with donor/student records. Technology firms and managed service providers — subject to underwriting on scope of services and security controls. Accounts with basic cyber controls (unique user accounts, multi-factor authentication, periodic backups, written incident response plans) generally place more favorably. Coverage Highlights and Advantages Comprehensive breach response expenses: forensics, notifications, credit monitoring, and legal costs. Public relations and crisis management coverage to protect reputation after a breach. PCI assessment and fines coverage available through certain markets. Options for first-party business interruption, ransomware/extortion, and forensic data recovery when needed. Access to multiple markets through Access E&S gives flexibility on limits, retentions, and extensions. Underwriting Notes and Placement Guidance Access E&S is an Excess & Surplus Lines broker with relationships across several carriers. Underwriters will typically ask for a completed cyber application or questionnaire, a description of the data you collect/retain, details on network security controls (MFA, endpoint protection, backups), and any prior incidents or claims. High-risk features — such as uncontrolled third-party vendors, unpatched systems, or no incident response plan — may require higher retentions, specific exclusions, or referral to a different market. Because this program uses multiple markets, admitted vs non-admitted availability varies by state and carrier. Confirm market status during submission. Territories and Availability Access E&S offers this Data Breach / Cyber Liability program in the following states: AZ, CA, CO, NV, TX, and WA. Note that capacity, specific features, and admitted/non-admitted status depend on the selected market — Access E&S can help you determine the best fit for the client’s location and risk profile. Why Work With Access E&S Insurance Services for Cyber / Data Breach Broker access to several cyber markets — increases chances of placement for diverse account profiles. Experience placing E&S cyber capacity for small and mid-market businesses. Flexible approach to underwriting and ability to locate markets for accounts with atypical exposures. Support for submissions, including guidance on required controls and documentation to improve placement outcomes. Example placements A neighborhood restaurant suffers a POS malware event exposing cardholder data — the program can respond with forensics, customer notification, credit monitoring offers and PCI coverage where applicable. A dental office has a stolen laptop containing patient records — forensics, notification and identity restoration services can be provided under the breach response portion of the policy. Frequently Asked Questions What types of accounts are a good fit for this Data Breach program?Small and mid-sized businesses that store or process customer PII — retail, hospitality, professional services, healthcare practices, e-commerce sellers, property managers, and similar operations. Accounts with basic cyber hygiene (MFA, backups, written policies) are preferred. What information do carriers typically request at submission?Expect a cyber application or questionnaire, description of the types and volume of data retained, security controls in place (MFA, endpoint protection, patching, backups), third-party vendor relationships, and any prior breaches or claims. Is coverage admitted or non-admitted?Access E&S places business with multiple markets. Admitted vs non-admitted availability depends on the carrier and the state. Confirm market status on each submission — the program is available in AZ, CA, CO, NV, TX and WA. Does the program cover PCI fines and assessments?Certain markets accessed by Access E&S provide coverage for PCI fines and assessments. Availability can vary by carrier and policy form, so include PCI exposure details when you submit. Need help placing an account? Connect with a market specialist.

Contractor's Professional Liability Access E&S Insurance Services offers a Contractor's Professional Liability program that helps agents place contractors who perform work and also provide design, engineering or value-engineering services. Contractors that combine construction and professional services face expanded legal exposure — from negligent design or installation to mold, asbestos or pollution allegations — and this program is built to address those gaps. Overview of the Program From Access E&S Insurance Services This program is designed for agents seeking E&S capacity and admitted options (where available) for contractors that perform construction and design-related services. Coverage is focused on professional errors & omissions tied to construction activities, defective materials, pollution-related claims, and exposures such as mold, asbestos and respirable dust. Ideal Accounts and Appetite General contractors and design/build firms that provide in-house or subcontracted design Artisan contractors who install products and give technical or design guidance Contractors offering agency or at-risk construction management Entities involved in joint ventures with design firms Accounts that need explicit mold, asbestos, silica or pollution-related professional coverage Typical fits are small to mid-sized contractors and design/build operations with documented quality controls and risk management practices. Large national contractors or pure architectural/engineering firms usually require specialist placement and may not fit this program. Coverage Highlights and Advantages Professional liability for negligent design, specification or errors and omissions by the contractor or subcontracted designers Coverage for defective materials or product failures tied to professional services Pollution-related claims and specific cover for mold, asbestos and respirable dust/silica exposures Ability to cover in-house design, subcontracted design, and joint venture arrangements Flexible placement through admitted markets where available and E&S placement through Access E&S where needed Underwriting Notes and Minimum Premiums Underwriting focuses on the scope of design exposure, contract wording, project types, prior loss history and risk controls. Be prepared to submit: Details on design work performed (in-house vs. subcontracted) Sample contract language and indemnity provisions Loss runs and claims history Information on pollution or environmental exposures (mold, asbestos, silica) Minimum premium: $2,500. Final terms, admitted availability and pricing will depend on state, class, limits requested and underwriting review. Territories and Placement States available: AZ, CA, CO, NV, TX, WA. The program includes some admitted market options in select states; where admitted capacity is not available, placement is handled on an excess & surplus (non-admitted) basis through Access E&S. Why Work With Access E&S Insurance Services on Contractor's Professional Liability Specialized E&S broker expertise for construction and design exposures. Access to multiple markets and flexible placement options for accounts with mixed construction/design risk. Product wording that recognizes hybrid construction/design operations and pollution/mold exposures. Responsive underwriting for agents placing mid-market contractors needing tailored professional liability protection. Example client scenarios You have a regional design/build contractor that self-performs structural work and also provides design changes on-site; they need professional liability coverage tied to those design services plus protection for mold-related remediations. An HVAC installer who provides system layout recommendations and product specs for commercial tenants — the account needs coverage for negligent design advice and potential pollution claims from improperly installed equipment. Frequently Asked Questions What types of accounts are a good fit for this Contractor's Professional Liability program?Good fits are general contractors, design/build firms and artisan contractors that perform construction and also provide design, specification or value-engineering services — especially accounts with potential mold, asbestos or pollution exposure. Is admitted coverage available?Some admitted markets are available in select states. Where admitted capacity is not available, Access E&S places accounts through excess & surplus lines. Admitted options depend on the state and underwriting details. What minimum information does underwriting request?Underwriters typically request a description of design work, sample contracts, loss runs, project types and any environmental or contamination exposures (mold, asbestos, silica). Clear documentation of risk controls helps secure better terms. What is the minimum premium?The program minimum premium is $2,500; final pricing depends on coverage limits, state placement and the account’s specific exposures. Need help placing an account? Connect with a market specialist.