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In the mid-1990s, Intercorp, Inc. pioneered the market for Dry Cleaners Pollution insurance to fill a long-standing coverage gap for a niche, high-risk industry. Today, Intercorp continues to give independent agents and brokers access to competitively priced, market-specific environmental liability coverage crafted for dry cleaning operations. Dry cleaners commonly use solvents that are environmental hazards. If released, these chemicals can be costly and complex to remediate and can trigger significant third-party bodily injury or property damage claims. Intercorp’s specialty program is built to help your clients — and the landlords who lease to them — manage those exposures and meet lease or lender requirements. Ideal Accounts and Appetite This program is a strong fit for: • Stand-alone dry cleaners using perchloroethylene (perc) or alternative solvents • Multi-location dry cleaning businesses, including regional chains with drop-off or satellite sites • Tenants in strip malls, shopping centers, or leased commercial space where landlords require environmental coverage • Dry cleaners seeking coverage for prior operations or known environmental conditions Typical appetites include small to mid-size single locations and multi-site accounts. We can consider accounts with historical solvent use or modest past operational concerns when properly documented; accounts with ongoing large-scale remediation or recent major releases require prior notice and may be restricted. Coverage Highlights and Advantages Intercorp’s Dry Cleaners Pollution program places site-specific environmental liability coverage through highly rated carriers. Key coverages include: • Third-party bodily injury and property damage from pollution incidents • On-site and off-site cleanup and remediation costs • Equipment lessors, property managers, and landlords can be added as additional insureds • Claims-made forms with optional extended reporting periods • Policy limits from $500,000 up to $5,000,000 Policies can be tailored to address solvent-specific exposures and typical landlord requirements, helping reduce leasing obstacles and protect tenant operations. Program Features and Flexibility • Policy terms available for one, two, or three years • Multiple locations can be covered under a single policy for streamlined administration • Optional extended reporting periods and other endorsements available • Customized placements through Intercorp’s network of top-tier carriers These features make it easier for you to place accounts where landlords or lenders require environmental protection or where consolidated billing and consistent limits are preferred across sites. Underwriting Notes and Minimum Premiums Minimum premiums vary by state, risk profile, number of sites, and selected limits. Policies are written on a claims-made basis and require timely reporting of incidents within the policy term or any applicable extended reporting period. Standard underwriting asks include current and past solvent use, any known releases, remediation history, and site operations. Territories and Availability Intercorp’s Dry Cleaners Pollution program is available nationwide — all 50 states and Washington, DC — through a variety of admitted and non-admitted markets to provide broad access and competitive options. Why Work With Intercorp, Inc.? As a wholesale broker with decades of environmental insurance experience, Intercorp understands the regulatory concerns, underwriting nuances, and claims issues specific to dry cleaners. We provide: • Direct access to multiple high-quality carriers that underwrite pollution risks for dry cleaners • Experienced underwriting guidance to help document historical solvent use and remediation history • Flexible solutions to satisfy landlord requirements and simplify placement for multi-site accounts Example scenarios you might place through this program: • A single-location dry cleaner converting from perc to a wet-cleaning solvent that needs landlord-required pollution coverage. • A regional chain with 8 drop-off locations that wants one policy to cover all sites and standardized limits for landlords. Help your clients protect their business and meet lease obligations with a targeted Dry Cleaners Pollution policy from Intercorp. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for stand-alone dry cleaners, multi-location operations, and drop-off stores that handle or historically handled hazardous solvents. Can multiple locations be covered under a single policy?Yes. We can include multiple dry cleaning sites, including drop-off locations, under one policy for streamlined coverage and billing. What coverages are included in the Dry Cleaners Pollution policy?Coverage typically includes third-party bodily injury, property damage, on-site and off-site cleanup, and additional insured options for landlords and equipment lessors. What limits and terms are available?Policy limits range from $500,000 to $5,000,000 with one-, two-, and three-year terms available. Optional extended reporting periods can be added. In which states is this program available?The program is available in all 50 states and Washington, DC through our network of carriers. Need help placing an account? Connect with a market specialist.

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Bailey Special Risks, Inc. offers a versatile Business Owners Package designed to help independent agents and brokers place small to mid-sized commercial accounts across a range of industries. This program is tailored to meet the unique exposures of specific business classes and provides a streamlined approach to underwriting and quoting. Overview of the Program From Bailey Special Risks Our Business Owners Package (BOP) program is built to serve niche industries with tailored coverage solutions. By working with a leading carrier, United States Liability Insurance Group, we bring you a reliable non-admitted solution for your clients who may not meet standard market guidelines. Our expertise as a wholesale broker allows us to evaluate submissions quickly and provide responsive service when all required documentation is submitted. Ideal Accounts and Appetite This program is ideal for small business owners operating in the following sectors: Beauty Salons, Nail Salons, and Barber Shops Fast Food Restaurants Convenience and Grocery Stores Electronic & Video Stores Lessors Risk Only (LRO) properties General Businessowners Whether you're placing a single-location nail salon or a multi-unit fast food franchise, this program is designed for agents looking to secure comprehensive coverage for clients with straightforward risk profiles. Coverage Highlights and Advantages Our Business Owners Package offers the core protections your commercial clients need, including property, liability, and business interruption coverages. Additional endorsements and limits may be available depending on the class of business and underwriting evaluation. Key advantages include: Tailored coverage for specific business types Streamlined underwriting through Acord and supplemental applications Responsive turnaround times when submissions are complete Access to a stable, experienced carrier partner Underwriting Notes and Submission Requirements To ensure a timely quote, please submit a completed Acord application along with any relevant supplemental forms and supporting information. The more detailed and accurate the submission, the faster we can respond. This program is non-admitted. It's best suited for risks that may not qualify for admitted markets due to size, location, or business type. Territories and Availability Our BOP program is available in the following states: Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maryland, Massachusetts, Michigan, Mississippi, Missouri, Nevada, New Jersey, New York, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, West Virginia, Wisconsin, and Wyoming. Why Work With Bailey Special Risks Bailey Special Risks, Inc. has built a reputation for delivering niche commercial insurance solutions through strong carrier relationships and a commitment to service. As a wholesale broker, we understand the unique needs of independent agents and offer the tools and expertise to help you secure coverage for hard-to-place or specialized risks. You might have a client with a small chain of convenience stores or a landlord with mixed-use retail tenants — these are the types of accounts we excel at quoting and placing. Let us help you find the right fit for your commercial clients. Frequently Asked Questions What types of accounts are a good fit for this program?This program fits small to mid-sized businesses such as beauty salons, barber shops, fast food restaurants, convenience stores, and lessors risk properties. Is this an admitted or non-admitted program?The Business Owners Package is placed on a non-admitted basis through United States Liability Insurance Group. What documents are required to submit an account?A completed Acord application along with any applicable supplemental applications and supporting information are required for underwriting review. Can I submit risks in all states?The program is available in most states, including CA, TX, FL, NY, and others. Please refer to the full state list to confirm availability. What is the turnaround time for quotes?Turnaround times are typically fast when complete submission materials are provided. Incomplete submissions may delay the process. Need help placing an account? Connect with a market specialist.

Workplace Violence Coverage from Bailey Special Risks, Inc. Bailey Special Risks, Inc. (BSR) offers a workplace violence coverage program designed for agents placing accounts that face the real risk of violent incidents on or off premises. This program provides fast-response resources and tailored coverage options to help your clients manage immediate crisis costs and longer-term exposures. Coverage is written with access to Lexington Insurance Company and is available through BSR as a wholesale broker. Overview of the Program This workplace violence solution combines financial protection with crisis-management services. In the event of a violent incident — whether the perpetrator or victim is an employee, customer, vendor, or third party — the program helps insureds contain reputational harm, meet urgent expenses, and get professional assistance to stabilize operations. Coverage Highlights and Included Services Coverage can be tailored to fit individual accounts. Typical services and coverages available under the program include: Public relations interface to manage media and stakeholder communications Independent investigation and incident documentation Security services and emergency site management Threat assessment and mitigation planning Law enforcement liaison and coordination Psychiatric counseling and employee assistance Additional expenses such as temporary relocation, increased security, or business interruption-related costs Ideal Accounts and Appetite BSR’s workplace violence program fits clients who have heightened public-facing or high-stress exposures. Typical target classes include: Retail and shopping centers Restaurants, bars, and nightlife venues Healthcare facilities, clinics, and behavioral health providers Educational institutions and childcare providers Property managers and multi-tenant commercial buildings Financial institutions, government facilities, and social service organizations Accounts with previous severe incidents, poor security controls, or active criminal threats will require more detailed underwriting and loss-control recommendations. High-risk exclusions or additional terms may apply depending on the facts and the carrier’s underwriting. Underwriting Notes Underwriting evaluates recent loss history, existing security and emergency-response plans, employee screening and training, site layout, and public access controls. BSR works with agents to gather required submission materials — incident reports, security assessments, and continuity plans — to expedite placement with Lexington Insurance Company. Pricing and terms are underwritten on a per-risk basis; additional underwriting requirements may apply for higher-exposure locations. Territories and Availability This program is available in the following states: AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, MD, MA, MI, MS, MO, NV, NJ, NY, NC, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, WA, WV, WI, WY. Availability and specific coverages may vary by state and by carrier rules. Why Place This Business With Bailey Special Risks As a wholesale broker focused on specialty property and casualty placements, BSR combines market access with hands-on claim-avoidance services. For agents, that means: Direct access to Lexington Insurance Company for tailored placements Consultative underwriting support to prepare clean, complete submissions Rapid response orientation — both in policy terms and crisis services — to reduce client downtime after an event Practical loss-control recommendations to help clients qualify for more favorable terms Example Scenarios You might have a client who operates a multi-location retail chain that needs a program to cover staff counseling, emergency security, and PR management after an incident at a busy store. Or you could place a municipal client that wants coverage for threats against employees and coordinated law-enforcement liaison services. Both are the kinds of accounts BSR evaluates for this program. Frequently Asked Questions What types of accounts are a good fit for BSR’s workplace violence program?Accounts with substantial public contact or higher-stress operations — retail stores, restaurants, healthcare providers, schools, property managers, municipal offices, and similar classes — are good candidates. Each risk is evaluated individually for controls and prior loss history. What services does the program provide immediately after an incident?The program pairs financial coverages with crisis services: public relations support, investigation, security response, threat assessment, law enforcement coordination, psychiatric counseling for affected employees, and reimbursement for certain additional expenses. How do I submit a risk for consideration?Prepare a complete submission including loss history, current security and emergency-response plans, and any incident reports or threat assessments. BSR’s underwriting team will review the documentation and advise on additional materials needed to place the account with Lexington Insurance Company. Are there restrictions on which states the program can write?Yes. The program is offered in specific states listed in the program details; coverage features and availability may vary by state and by carrier underwriting guidelines. Can coverage be customized for larger or higher-risk clients?Yes. Coverage and services can be tailored to the client’s needs, though higher-risk accounts may require enhanced security measures, tighter underwriting terms, or additional pricing considerations. Need help placing an account? Connect with a market specialist.

Convenience Store Insurance Allstar Financial Group offers a comprehensive Convenience Store Insurance program designed to meet the unique risks faced by independent convenience store owners. Through our specialized underwriting division, Allstar Underwriters, we provide access to tailored coverage options including Property, Casualty, Liquor Liability, and Umbrella insurance. This program is built for agents and brokers looking to quickly quote and bind policies for small business clients. Ideal Accounts and Appetite This program is ideal for a wide range of businesses operating in the retail and service sectors. In addition to convenience stores, we can consider risks in categories such as: Retail establishments Wholesale outlets Vacant properties (select cases) Contractors, offices, and institutional properties Whether your client is a single-location store or operates multiple sites, we can accommodate Total Insured Values (TIV) up to $5 million per location. Coverage Highlights and Advantages Property Coverage Includes: TIV up to $5 million per location Monoline or package options available No coinsurance options (varies by risk) Optional enhancements such as equipment breakdown coverage Casualty Coverage Includes: Available as monoline or package Minimum premiums starting at $500 Primary limits up to $5 million/$5 million Project-specific policies available Coverage for uninsured subcontractors Optional endorsements, including: Blanket additional insured Waiver of subrogation Primary non-contributory wording Per project/per location aggregate Hired & Non-Owned Auto (select classes) Miscellaneous professional liability (select classes) Liquor Liability Coverage: Limits ranging from $100K/$100K up to $1 million/$2 million Monoline or packaged with GL Assault & Battery coverage follows General Liability Available in NC, SC, GA, TN, and VA Umbrella Coverage: Limits up to $5 million Minimum premium starts at $750 Available on a supported or unsupported basis Underlying requirements include: General Liability and Auto: AM Best A-VI or better Employers Liability: AM Best B++ or better GL limits of $1 million/$2 million/$2 million Underwriting Notes and Minimum Premiums We offer flexible underwriting with the ability to quote both monoline and package policies. Minimum premiums vary by coverage type, with General Liability starting at $500 and Umbrella at $750. Optional coverages and enhancements allow you to tailor each policy to your client’s specific exposures. Territories and Availability The Convenience Store Insurance program is available in most states, with a strong focus on the Southeast. Currently, Allstar is actively writing this program in: Alabama Georgia Louisiana North Carolina South Carolina Tennessee Virginia Why Work With Allstar Financial Group As a trusted Managing General Underwriter and Excess & Surplus Lines Broker, Allstar Financial Group brings deep underwriting expertise and access to multiple carriers. Our small business solutions division is designed to make quoting and binding simple and efficient for busy agents. Whether you're placing a single-location account or managing a portfolio of retail risks, our program is built to support your success. You might have a client operating a convenience store with fuel sales and limited liquor exposure—we can help you build a customized package that meets their needs. Or perhaps your client owns a vacant retail property awaiting a new tenant—we have solutions for that as well. Let our experienced underwriters help you find the right coverage quickly while navigating the complex needs of small retail risks. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for convenience stores, retail shops, wholesale outlets, vacant commercial properties, and certain institutional or office risks. Is liquor liability coverage available in all states?No, liquor liability is currently available in North Carolina, South Carolina, Georgia, Tennessee, and Virginia. Can I write monoline General Liability or Property policies?Yes, both monoline and package policies are available depending on the account type and coverage needs. What are the minimum premiums for this program?Minimum premiums vary by coverage, starting at $500 for General Liability and $750 for Umbrella policies. Do you offer coverage for vacant retail properties?Yes, vacant properties may be eligible depending on underwriting criteria. Contact an underwriter to review specific risks. Need help placing an account? Connect with a market specialist.

Comprehensive Child Care & Day Care Coverage from Bailey Special Risks, Inc. Bailey Special Risks, Inc. (BSR) offers a flexible and competitive insurance solution tailored specifically for child care and day care providers. Whether your client operates a commercial facility or a residential-based childcare service, this program offers the adaptability and coverage options agents need to address diverse risk profiles through a single market. The program is backed by United States Liability Insurance Group and is written on a non-admitted basis. Ideal Accounts and Target Classes This program is designed for licensed child care centers, in-home day cares, preschools, and before/after-school programs. It can also consider operations with more complex exposures such as: Children with special needs Drop-off and pick-up transportation services Overnight care operations Facilities with pools, pets, or regular field trips If you have a client running a residential day care with a small group of children and a pet on-site, or a commercial center offering extended hours and transportation, this program can provide a customizable insurance solution to fit their needs. Coverage Highlights and Advantages BSR’s Child Care & Day Care program offers customizable coverage options with the flexibility to write policies as either a full package or monoline liability. Key features include: Child Molestation & Abuse limits available up to the General Liability limit Non-owned and hired auto liability coverage Coverage for pets, pools, and field trip exposures Optional Glass, Money & Securities, and Employee Dishonesty coverage Special Form and Replacement Cost for property coverage Defense Costs Coverage available outside the policy limit Competitive rating structure based on average daily attendance These features make it easier for agents to tailor coverage to each client’s operational risks and budget. Underwriting Notes and Considerations The program is non-admitted and underwritten by United States Liability Insurance Group. Underwriting is flexible, with the ability to consider a wide range of operations and exposures. Policies can be structured with or without molestation and abuse coverage, depending on the insured’s needs and qualifications. Minimum premium requirements may vary depending on the scope of the operation and selected coverages. The program is best suited for accounts that demonstrate strong safety protocols, proper licensing, and experience in child care services. States Available This program is currently available in the following states: AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, MD, MA, MI, MS, MO, NV, NJ, NY, NC, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, WV, WI, and WY. Why Work With Bailey Special Risks, Inc.? Bailey Special Risks, Inc. is a trusted wholesale broker with deep expertise in niche liability programs. Their child care and day care product is underwritten with a focus on flexibility, speed, and comprehensive protection, making it easy for agents to place business with confidence. With access to top-rated carriers and a responsive underwriting team, BSR helps agents find the right coverage solutions for challenging or unique daycare operations. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for licensed child care centers, residential day cares, preschools, and operations with special exposures such as field trips, pools, pets, or overnight stays. Can I get coverage for molestation and abuse claims?Yes, molestation and abuse coverage is available with limits up to the General Liability limit, depending on underwriting approval and the insured’s safety protocols. Is this program available in my state?This program is available in over 35 states, including CA, TX, FL, NY, and many others. Please check the full list or contact BSR for state-specific availability. Can I write monoline liability or does it have to be a package?You can write the policy as monoline liability or a complete package, based on the insured’s needs and risk profile. Does the program cover transportation exposures?Yes, non-owned and hired auto liability is available, and the program can consider drop-off and pick-up exposures during underwriting. Need help placing an account? Connect with a market specialist.

Employment Practices Liability Insurance Program from Bailey Special Risks, Inc. Bailey Special Risks, Inc. (BSR) offers a robust Employment Practices Liability Insurance (EPLI) program designed to help retail agents and brokers protect their private business clients from the growing risks of employment-related claims. This coverage is especially vital in today's litigious workplace environment where even small businesses are increasingly targeted by allegations of wrongful termination, discrimination, harassment, and retaliation. Ideal Accounts and Appetite BSR's EPLI program is tailored for private companies of various sizes and industries. Ideal accounts include small to mid-sized privately held businesses with employee counts ranging from a handful to several hundred. Target industries include, but are not limited to: Professional services firms Retail and hospitality businesses Light manufacturing and distribution Healthcare offices and clinics Nonprofit organizations Accounts with prior claims history or higher-risk employment practices may be considered based on underwriting, making this a flexible solution for brokers working with more complex risks. Coverage Highlights and Advantages BSR provides access to Employment Practices Liability coverage through a variety of A-rated carriers, giving brokers the flexibility to find the right fit for their insureds. Key coverage features include: Limits ranging from $250,000 up to $5,000,000 in a single policy Defense costs included within or outside the limits, depending on the carrier and option selected Third-party liability options available Options for wage and hour defense sublimits Risk management resources and legal hotline access through some carriers This program is particularly valuable for clients requiring tailored EPLI solutions without needing to bundle coverage with other lines. Underwriting Notes and Minimum Premiums Minimum premiums for a $1,000,000 limit start as low as $1,459, making this program accessible for a wide range of businesses. Higher limits are available up to $5,000,000, with competitive pricing based on underwriting criteria including employee count, claims history, and HR practices. BSR underwrites this program through non-admitted markets, allowing for greater flexibility and customization compared to standard admitted products. Submissions should include a completed application, current employee handbook (if available), and details of any past or pending claims. Territories and Availability This EPLI program is available to licensed agents and brokers in the following states: AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, MD, MA, MI, MS, MO, NV, NJ, NY, NC, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, WV, WI, and WY. Why Work With Bailey Special Risks, Inc.? With decades of experience as a wholesale broker, Bailey Special Risks, Inc. is known for its strong relationships with top-rated carriers and its ability to place challenging risks. Their team offers knowledgeable support, responsive service, and market access that retail agents can count on. Whether you’re working with a growing business concerned about potential HR liabilities or a client who has experienced a prior EPLI claim, BSR can help you find a solution tailored to their needs. Frequently Asked Questions What types of accounts are a good fit for this EPLI program?Private businesses of all sizes, especially in industries like professional services, retail, light manufacturing, and healthcare, are a strong fit for this program. Is prior claims history a disqualifier for submission?Not necessarily. BSR can consider accounts with prior claims depending on the nature of the claims and risk management practices in place. What is the minimum premium for this program?Minimum premiums for $1,000,000 in coverage start at approximately $1,459, though pricing may vary based on underwriting factors. Can this EPLI coverage be written on a standalone basis?Yes, this program allows for standalone EPLI policies, offering flexibility for clients who may not need bundled package solutions. In which states is this program available?This EPLI program is available in over 35 states, including CA, FL, TX, NY, IL, and many others. Need help placing an account? Connect with a market specialist.

Community Association Package Program from Bailey Special Risks, Inc. Bailey Special Risks, Inc. (BSR) offers a targeted Community Association Package that addresses the insurance needs of homeowners associations (HOAs), condominium associations, planned unit developments (PUDs), townhome communities and similar common-interest developments. The program is underwritten by United States Liability Insurance Group, an A.M. Best A++ rated carrier, giving agents access to a financially strong market and flexible coverage options. Ideal Accounts and Appetite This program matches a broad range of community association risks, including: Residential condominium associations Homeowners associations (HOAs) Planned unit developments (PUDs) Townhome and villa communities BSR is comfortable with associations that maintain common areas and have active management. Properties with amenities such as pools, clubhouses, tennis courts, and limited recreational programming are acceptable when they meet underwriting guidelines. Risks with chronic deferred maintenance, high frequency claims, or significant habitational conversion exposures typically fall outside the appetite. Coverage Highlights and Advantages The Community Association Package combines core protections most associations need, offered in flexible ways to align with each client’s exposure profile: General Liability for common-area exposures Property coverage for association-owned buildings and common structures Directors & Officers (D&O) Liability to protect board members Crime and Fidelity bonding to cover employee or volunteer dishonesty Umbrella/Excess Liability for higher limits Professional Liability (where applicable) for management errors and omissions Applications are streamlined for speed and accuracy. Available application forms include: Community Association Package Application Community Association Umbrella Application Community Association Professional Liability Application Agents can rate and quote eligible accounts online. Submissions that fall within the program’s HIT ZONE receive a guaranteed quote, shortening turnaround and improving placement certainty. Underwriting Notes and Minimum Premiums This is a non-admitted program, which provides underwriting flexibility and competitive terms for qualified associations. Minimum premiums vary by state, exposure, and scope of coverage; BSR’s quoting tools help determine eligibility and pricing quickly. Typical declinations include associations with extensive habitational risks, unresolved loss history, or exposures outside published eligibility guidelines. Territories and Availability The Community Association Package is available in the following states: AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, MD, MA, MI, MS, MO, NV, NJ, NY, NC, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, WA, WV, WI, WY Why Work With Bailey Special Risks, Inc.? As a wholesale broker focused on specialty and hard-to-place risks, BSR combines experienced underwriting with fast, user-friendly quoting tools. Agents benefit from: Access to a top-rated carrier (United States Liability Insurance Group) Underwriters experienced with community associations and common exposures Streamlined online rating and guaranteed quotes for HIT ZONE submissions Support placing programs that require non-admitted flexibility Example fits: You might have a midsize condominium association seeking combined property, general liability and D&O limits after a recent board turnover; or an HOA with a pool and clubhouse that needs primary liability, crime coverage and excess limits. Both scenarios align with this program’s strengths when the association demonstrates active management and maintained common areas. Whether the account is a small suburban HOA or a larger urban condo association, BSR provides underwriting expertise and market access to help you place community association business confidently. Frequently Asked Questions What types of accounts are a good fit for this Community Association Package?This program is ideal for homeowners associations, condo associations, and planned unit developments with well-maintained common areas and standard amenities like pools or clubhouses. Can I get a quote online?Yes. Agents can rate and quote eligible community association risks online. If your submission falls within the program’s HIT ZONE, you will receive a guaranteed quote. What coverages are included in the package?Depending on eligibility, the package can include General Liability, Property for common areas, D&O Liability, Crime/Fidelity, Umbrella/Excess, and Professional Liability. Is this program available in my state?The program is available in the states listed above (including CA, FL, TX, NY). Check the territories list to confirm availability for your submission. Who is the carrier for this program?This program is underwritten by United States Liability Insurance Group, an A.M. Best A++ rated carrier. Need help placing an account? Connect with a market specialist.