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MexiHome PLUS Program — Insurance for U.S. Homeowners in Mexico The MexiHome PLUS Program from MexiPass International Insurance Services provides a tailored homeowners solution for U.S. residents who own vacation or secondary homes in Mexico. Built to mirror the broad protection of U.S. HO-5 forms, this program gives agents access to comprehensive coverage backed by AIG – Mexico. Overview for Agents and Brokers This program is designed for independent agents and brokers placing personal lines homeowners risks for clients who live in the U.S. but own property in Mexico. MexiPass acts as the managing general agency, coordinating placement and underwriting through AIG – Mexico on a non-admitted basis to allow flexible terms for cross-border exposures. Ideal Accounts and Appetite MexiHome PLUS is a strong option when you need HO-5–style protection for: Private vacation homes and second residences Single-family houses, condos, beachfront villas, and mountain properties Owners who use the property solely for personal use (non-commercial) Accounts involving rental income, short-term rentals (e.g., frequent Airbnb use), commercial activities, or unusual exposures will typically require additional underwriting review and documentation. Coverage Highlights and Advantages The program delivers broad-form protection similar to HO-5 policies and addresses perils common to Mexican territories, including coastal and seismic risks. Key coverages include: Property Coverage: Dwelling, other structures, personal contents, and loss of use. Liability: Personal liability within Mexico and medical payments for visitors. Catastrophic Perils: Coverage for earthquake, volcanic eruption, flood, and tidal wave where applicable. Scheduled Valuables: Ability to schedule high-value items such as jewelry, artwork, and collectibles. Homeowners Assistance Services: Emergency plumbing, locksmith, and plate glass replacement services are available to help manage small urgent losses. These features help your clients manage both everyday loss exposures and larger natural catastrophe risks that affect certain regions of Mexico. Underwriting Notes MexiPass places MexiHome PLUS on a non-admitted basis through AIG – Mexico, which offers flexibility for cross-border placements. Because terms are underwritten in Mexico, expect tailored wording and capacity considerations specific to each risk. Brokers should be prepared to provide: Detailed property information and recent photos Occupancy and use details (primary vs. seasonal use) Any history of prior claims or loss mitigation measures For borderline or complex risks, reach out to MexiPass underwriting for eligibility guidance and documentation requirements. Territories and Availability The MexiHome PLUS Program is available to agents and brokers licensed in the following states: 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 Work With MexiPass? MexiPass International Insurance Services is a managing general agency focused on cross-border placements for U.S. clients with interests in Mexico. Working with MexiPass gives you: Access to AIG – Mexico capacity and tailored policy forms Underwriting expertise in Mexican property and coastal/seismic risks Support placing non-admitted, flexible solutions when admitted options are limited Guidance through documentation and submission requirements to streamline placement Example scenarios you might place here: a U.S. homeowner buying a beachfront condo in Baja who wants HO-5 level contents and liability protection, or a client with a second home in San Miguel de Allende seeking scheduled coverage for high-value artwork and earthquake protection. Whether your client is purchasing a new vacation home or upgrading an existing Mexico policy, MexiPass can help you secure comprehensive coverage and underwriting support. Frequently Asked Questions What types of accounts are a good fit for the MexiHome PLUS Program?This program is ideal for U.S.-based clients who own personal-use vacation or secondary homes in Mexico, including villas, condos, and single-family residences. Is the MexiHome PLUS Program admitted in any states?No. MexiHome PLUS is placed on a non-admitted basis through AIG – Mexico, allowing more flexible underwriting and customized policy terms for cross-border risks. Does the program include coverage for natural disasters?Yes. The program includes protection for catastrophic perils such as earthquake, volcanic eruption, flood, and tidal wave where those perils are applicable to the property location. Can clients schedule valuable personal property?Yes. High-value items like jewelry, artwork, and collectibles can be scheduled to provide broader limits and specified coverage. What support does MexiPass provide to agents?MexiPass offers specialized underwriting support, experienced cross-border placement guidance, and assistance with documentation to help you move submissions through underwriting efficiently. Need help placing an account? Connect with a market specialist.

What do we consider a "hard to place risk"? High Experience Mods (over 1.50 – no mod is too high) Steel Erection Roofing Trucking Logging Staffing Accounts only eligible for State Fund or Assigned Risk Pools High Claims Frequency Shock Losses All Insurance Underwriters, Inc. (AIU) specializes in placing challenging workers’ compensation risks that most standard markets reject. Whether your client has a high mod, a history of large losses, or is stuck in a state fund, AIU can deliver creative, competitive solutions tailored to their unique needs. Our underwriting and business development teams are nationally recognized for solving the toughest placement challenges. Don't allow your client to pay more than they should! AIU can help you move State Fund/Pool business to better options! Why This Program Works No upfront premium required Pay-As-You-Go options to improve client cash flow No intrusive year-end audits Quick and simple onboarding process Residual commissions above industry averages Appetite for high-risk classes and high mods High deductible, small deductible, and guaranteed cost programs available Designed to eliminate the need for State Fund or Pool placements Ideal Accounts and Target Industries This program is a strong fit for industries and businesses that have been declined by standard carriers or are currently stuck in the State Fund. AIU is actively seeking: Contractors with high mods or complex operations (excluding general contractors) Roofing and steel erection companies Trucking and logistics operations Logging businesses Staffing agencies, including temp medical staffing Pizza restaurants with delivery (up to 50% of gross receipts) Home healthcare providers with at least 3 full-time employees and employee health coverage Non-emergency medical transportation providers Multi-state accounts with high-risk profiles Underwriting Requirements To ensure fast and accurate quoting, please include the following with your submission: Completed ACORD 130 application Currently valued loss runs (within 90 days of effective date), typically for the past 4–5 years Details on any losses over $25,000 Ex-mod worksheet Supplemental application (mandatory for staffing, preferred for all accounts) Staffing submissions should also include: Last 4 quarters of 941s List of current contracts Detailed account description Compiled financials or a balance sheet if no D&B score is available Target premium (strongly preferred) Program Availability AIU’s Hard to Place Risks program is available in most U.S. states, including but not limited to: CA, FL, TX, NY, IL, GA, PA, and many more. We provide options through a variety of carriers depending on the risk and state. Most placements are on a non-admitted basis. Why Partner With AIU? AIU has built a trusted network of retail agency partners across the country. Our success is rooted in the value we place on those relationships and the collaborative way we do business. We respect the role of the producer and reward it with above-average commissions and responsive service. If you’re struggling to place a tough account, we invite you to submit it to our experienced underwriting team. Creating a Win-Win Relationship with Our Agency Partners Let us help you turn your hardest-to-place workers’ comp risks into long-term wins for your agency. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for businesses with high experience mods, frequent or severe losses, or those currently in state funds. Common classes include roofing, trucking, logging, staffing, and steel erection. What documents are needed to submit an account?Submit a fully completed ACORD 130, currently valued loss runs (4–5 years), ex-mod worksheet, and a supplemental application. Staffing submissions require additional documents like 941s and financials. Is there a minimum premium requirement for this program?Minimum premiums vary depending on the class and state, but AIU can accommodate small to mid-sized accounts, especially in high-risk industries. Does AIU offer Pay-As-You-Go billing?Yes, most of our programs offer Pay-As-You-Go billing to improve cash flow and simplify administration for your clients. Can AIU place multi-state or multi-location risks?Yes, AIU has programs specifically designed to handle multi-state accounts with complex or high-risk profiles. Need help placing an account? Connect with a market specialist.

Overview — Normandy Harbor Insurance Company: Retail & Wholesale Stores Workers' Compensation Normandy Harbor Insurance Company, an admitted Florida carrier, offers a focused workers' compensation program designed for qualifying retail and wholesale stores. This program is intended for established, lower-risk brick-and-mortar accounts that need admitted coverage, flexible billing, and a carrier with underwriting depth and in-house service capabilities. Minimum premium is $1,000; underwriting emphasizes three or more years of industry experience and limited transportation or delivery exposure. Flexible Payment Options Normandy Harbor understands cash flow needs for small and mid-sized retailers. Available payment plans include: Pay-as-you-go (payroll-based, when eligible) 10% down with monthly payments 10% down with 9 installments 12 equal installments Ideal Accounts and Appetite This program is a fit for agents placing retail and wholesale store operations such as: Independent specialty retailers (apparel, sporting goods, home goods) Grocery and convenience stores with limited delivery activity Small wholesale distributors operating from a single warehouse location Franchise retail locations with consistent operations and experience Typically acceptable accounts have stable payroll patterns, at least three years in the same line of business, and minimal exposure from vehicle deliveries. Accounts with significant transportation fleets, high-volatility seasonal labor, or poor loss history are generally outside the appetite. Coverage Highlights and Advantages Admitted workers' compensation paper — simplifies compliance and certificates for Florida operations. Competitive underwriting supported by "A" rated reinsurance, stable financials, and experienced underwriters. In-house loss control team available to help reduce frequency and severity of workplace injuries. Responsive claims handling and a strong track record of dividend distributions to reward policyholder performance. Flexible billing plans to align with insured cash flow needs and payroll cycles. Underwriting Notes and Minimums Minimum premium: $1,000. Underwriters typically look for: Three or more years of verifiable industry experience. Limited transportation/delivery exposure — small in-store delivery functions may be acceptable; dedicated delivery fleets usually do not qualify. Standard underwriting documentation such as current payroll estimates, recent loss runs, and a clear description of business operations. Agents should submit loss runs and a concise operations description up front to expedite review. Territories and Availability This program is offered by Normandy Harbor for admitted placements in Florida. Availability in other jurisdictions is not represented by this storefront; please confirm territorial availability when submitting. Why Place This Business With Normandy Harbor Agents choosing Normandy Harbor gain an admitted carrier that combines program-level underwriting expertise with in-house loss control and aggressive claims service. The program is structured to reward good risk management (historical dividend distributions) and to offer practical billing options for smaller retail operators. For agents with stable retail or wholesale clients who meet the experience and exposure criteria, Normandy Harbor provides a practical admitted solution with solid service capabilities. Example Accounts That Fit A two-location specialty apparel retailer with three years of stable payroll, no delivery fleet, and clean loss history — meets the minimum premium and experience requirements. A single-location wholesale food distributor that operates only inside a warehouse and uses third-party carriers for deliveries — acceptable if the distributor’s own transportation exposure is limited. Frequently Asked Questions What types of retail or wholesale accounts are a good fit for this program?Accounts with at least three years of consistent industry experience, limited transportation or delivery exposure, stable payrolls, and a minimum premium of $1,000 are the best fit. Examples include specialty retailers, convenience stores with limited deliveries, and small wholesale operators without in-house fleets. What documentation does Normandy Harbor typically require at submission?Underwriters generally ask for recent loss runs, current payroll estimates, and a clear description of operations. Providing these items up front helps speed review and placement. Is this program admitted or non-admitted paper?This storefront represents Normandy Harbor as an admitted carrier for Florida placements. Confirm state availability and admitted status for other jurisdictions before submitting. What billing or payment plans are available for insureds?Normandy Harbor offers flexible options including pay-as-you-go (when eligible), 10% down with monthly payments, 10% down with nine installments, and 12 equal installments to accommodate client cash flow needs. How does Normandy Harbor support loss control and claims?The company provides a proactive in-house loss control team and responsive claims handling. These capabilities help reduce long-term costs and support dividend-eligible performance for qualified policyholders. Need help placing an account? Connect with a market specialist.

Overview — Security Alarm Program by OnPoint OnPoint Underwriting’s Security Alarm Program provides a tailored Commercial General Liability policy combined with Professional Liability (E&O) specifically for the security, alarm, low-voltage and related electrical trades. Coverage is underwritten by the Underwriters at Lloyd’s (non-admitted, A (Excellent), FSC XV by A.M. Best) and is available across the U.S. This program is built for agents who need a specialty market with quick turnaround and industry-focused terms. Program limits and key terms General Liability and Professional Liability (E&O): $1,000,000 per occurrence / $2,000,000 aggregate Additional limits available on request; excess/umbrella capacity up to an additional $5 million Minimum premium: $1,000 Competitive rates, free certificates of insurance, and a 48-hour, no-obligation quote turnaround Ideal accounts and appetite This program is aimed at small to mid-sized contractors and technical service providers in the security and low-voltage space. Examples of ideal accounts: Systems integrators who design and install alarm or access control systems Alarm and monitoring contractors providing installation, repair and maintenance CCTV installers and access control technicians, including locksmith services tied to security systems Low-voltage electrical contractors who install cable TV, communications, home automation, lighting control and related systems Accounts with clear scope of work, documented procedures, and routine client agreements are a particularly good fit. Coverage highlights and advantages for agents Broadly worded GL and E&O coverage tailored to the unique exposures of security and low-voltage contractors Access to Lloyd’s market capacity for higher limits and excess placements Fast, industry-specific underwriting with a streamlined submission process and rapid certificates Competitive pricing for accounts that meet the program’s appetite and minimum premium Underwriting notes and submission tips Underwriting focuses on scope of work, revenue mix, subcontractor use, contract language and prior loss history. Include the following with submissions when possible: Completed application describing services and annual revenues by class Sample client contract or installation agreement Loss runs for the last 5 years (if available) Any relevant certifications, licensing and training for technicians Typical declines or referred risks include work outside the program’s scope (e.g., high-voltage electrical contracting), extensive premises-based exposures unrelated to security systems, or clients with severe or frequent prior losses. Contact underwriting to clarify borderline risks. Territories and admitted status Available in all 50 states plus DC. Policies are issued through a non-admitted Lloyd’s facility; state availability and placement requirements should be verified per state. Why place this business with OnPoint Underwriting OnPoint combines focused underwriting for the security and low-voltage trades with access to Lloyd’s capacity. Agents benefit from industry experience, efficient turnarounds, and tailored GL + E&O wording designed for these exposures. For more information or a quote, call Richard Poling at 866.848.9195 or email [email protected]. Frequently Asked Questions What types of accounts are a good fit for the Security Alarm Program by OnPoint?Smaller to mid-size security and low-voltage contractors who perform design, installation, integration, maintenance or repair of alarm, access control, CCTV and related systems. Systems integrators and service/monitoring contractors with documented procedures tend to fit well. What limits and capacity are available through this program?Standard placement includes $1M per occurrence / $2M aggregate for GL and E&O. Excess and umbrella capacity can be placed up to an additional $5M on request. What is the typical turnaround time for quotes and certificates?OnPoint offers a 48-hour, no-obligation quote turnaround and provides free and fast certificates of insurance once bound. Are there specific submission items underwriters expect?Yes. Provide a completed application with revenue breakdown by class, loss runs (when available), and sample client contracts. Including licensing and technician certifications speeds underwriting. Is this an admitted product and where is it available?Coverage is underwritten by the Underwriters at Lloyd’s on a non-admitted basis and is available in all U.S. states and DC; confirm state placement requirements before binding. Need help placing an account? Connect with a market specialist.

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