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Agents across the country can rely on MAXIMUM to deliver customized solutions for all their Contract Binding Insurance needs. With team-based underwriting, deep market access, and delegated binding authority, MAXIMUM is a wholesale broker you can use to place a wide range of property and casualty risks quickly and efficiently. Comprehensive Solutions for Complex Risks At MAXIMUM, we understand the practical challenges agents face when binding contracts. Our Contract Binding Insurance program supports both commercial and personal lines and is designed to be flexible enough to address unique exposures across many industries and asset types. Target Classes of Business Our Contract Binding Insurance program is well suited for a broad mix of insureds. We actively write business for: • Artisan and General Contractors • Apartment Buildings and Condominiums • Convenience Stores and Gas Stations • Co-ops (Commercial and Residential) • Homeowners and Townhouses • Grocery Distributors and Meat/Fish/Poultry Facilities • Microbreweries, Restaurants, Taverns, and Bars • Hotels, Motels, and Mobile Home Parks • Office Buildings and Shopping Centers • Lessors Risk Only (LRO) Properties • Tobacco Stores and Vacant Properties • Warehouses and Storage Risks Whether you have a contractor who needs flexible liability terms or a retail property owner looking for tailored property coverage, our program is built to help you place the account efficiently. Coverage Highlights Our binding authority program includes a range of coverages designed to address common real-world exposures. Property Coverages: • Equipment Breakdown • Building, BPP, Signs, and Business Income • Wind Exposure (Tiers 1 & 2) • Enhanced Property Endorsements • Inland Marine (limits up to $250K) Property limits are available up to $5 million Total Insured Value (TIV) per location. Casualty Coverages: • Employee Benefits Liability • Hired and Non-Owned Auto Liability • Jobsite and Location-specific Aggregates • Hostile Fire Pollution Buybacks (CG2155 and CG2165) • In-house GL limits up to $2M/$4M Garage Keepers Legal Liability is available for valet operations. We write more than 700 eligible general liability classes and offer optional Liquor Liability, Excess/Umbrella, and manuscript endorsements or restrictions where appropriate. All forms follow ISO General Liability and Property 2007 editions. Underwriting & Premium Guidelines The program is structured to be flexible, but standard underwriting parameters apply. Minimum premium starts at $500, making the program accessible for small and mid-sized accounts. We evaluate each submission on its individual merits and work with you to craft terms that reflect the client’s operations and risk profile. Typical considerations include prior loss history, occupancy and construction details for property, and operations/exposure for liability classes. For complex or higher-limit placements, we can coordinate access to excess markets and manuscript wording when needed. Territories and Admitted Status MAXIMUM offers this binding program in all 50 states plus Washington, DC. We place business on both admitted and non-admitted paper depending on state rules and the nature of the risk. Why Partner With MAXIMUM? As a wholesale broker focused on binding authority placements, MAXIMUM provides: Deep access to P&C carrier markets and specialty capacity Dedicated underwriting teams with delegated binding authority Customized solutions for both standard and harder-to-place risks Responsive support during quoting and binding to help you move accounts faster Example account scenarios you can place through this program: A regional microbrewery seeking combined property, GL, and liquor liability with equipment breakdown — coverage up to local capacity and tailored endorsements for brewing operations. An owner of a small apartment building (LRO) with moderate fire exposure needing property limits up to $3M TIV and in-house GL with location aggregates. Whether you’re placing a vacant commercial building in Florida or a neighborhood restaurant in the Midwest, we’re positioned to help you secure the coverage your clients need—fast. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for small to mid-sized commercial property and casualty risks, including contractors, LROs, apartment buildings, retail operations, and hospitality businesses. What is the minimum premium for the Contract Binding Insurance program?The minimum premium starts at $500, depending on the risk and coverages selected. Are both property and casualty coverages available?Yes. We offer comprehensive property and casualty coverages, including building, BPP, inland marine, general liability, excess, and more. Can you accommodate risks in all 50 states?Yes. This program is available in all 50 states and Washington, DC. We have access to both admitted and non-admitted markets based on state requirements and the type of risk. Do you offer coverage for vacant properties?Yes. We can provide solutions for vacant exposures, including vacant buildings and land, subject to underwriting review. Need help placing an account? Connect with a market specialist.

Expertise. Solution. Service. Comprehensive Cannabis D&O and EPLI Coverage From MAXIMUM MAXIMUM provides a specialized Cannabis Directors & Officers (D&O) and Employment Practices Liability (EPLI) program designed for the distinct regulatory, reputational, and operational risks faced by licensed cannabis businesses. As a wholesale broker with deep experience in emerging and complex industries, MAXIMUM provides agents access to primary and excess capacity—up to $10 million in limits—so you can protect executive teams and employment exposures with flexible solutions. Ideal Accounts and Appetite The program targets licensed cannabis operations across the value chain. Typical classes we write include: • Cultivators and growers • Dispensaries and retail cannabis stores • Product manufacturers and processors We place both early-stage, investor-backed startups and established multi-state operators. MAXIMUM is well-suited for vertically integrated operators, retail chains, management teams with outside investors, and any licensed entity that needs D&O and/or EPLI protection to support growth or satisfy investor due diligence. Coverage Highlights and Advantages MAXIMUM’s Cannabis D&O and EPLI solution offers flexible structures to match an account’s size and risk profile. Key benefits include: • Limits available up to $10MM on a primary or excess basis • Choice of shared or separate limits for D&O and EPLI • Available as stand-alone D&O or EPLI, or combined on one policy • Coverage tailored for board members, officers, and HR-related employment exposures The program addresses claims commonly seen in the sector, including wrongful termination, discrimination, harassment, breach of fiduciary duty, shareholder disputes, alleged mismanagement, and other employment-related allegations that can threaten leadership and investor confidence. Underwriting Notes and Submission Requirements Underwriting focuses on governance, financial stability, ownership structure, and any prior employment or management litigation. Required submission items include: • Completed cannabis-specific application • Full business plan and operational overview • Organizational chart (include parent companies and subsidiaries) • List of board members and executive team • Capitalization table and ownership structure • Current and pro-forma financials, private placement details, and funding sources Retentions begin at $25,000 and may increase depending on account size, revenue, prior losses, and claim history. Be prepared to provide details on investor relationships and any prior regulatory actions or employment claims. Territories and Availability This program is available in most states where cannabis is legalized or regulated. We currently write business 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 Most placements are written through non-admitted carriers, giving underwriting flexibility to craft terms that fit the account’s specific exposures. Why Work With MAXIMUM? MAXIMUM combines market access with cannabis-specific underwriting knowledge. Our team helps agents structure placements that address investor requirements and regulatory scrutiny while delivering practical, tailored wording. We prioritize responsive service, collaborative underwriting, and solutions that evolve with a client’s operational footprint. Example account scenarios you might place with this program: • A vertically integrated operator seeking combined D&O and EPLI coverage to satisfy investor due diligence during a funding round. • A single-state dispensary with a growing staff and recent employment allegations that needs a stand-alone EPLI policy or a combined solution to protect management and reduce investor concerns. Please reach out to us today by phone or email with any questions and to discuss how we can assist in this placement process. Frequently Asked Questions What types of accounts are a good fit for this program?We target licensed cannabis businesses including cultivators, dispensaries, manufacturers, and retailers. Both startups and established operators are eligible. Can I submit an account with both D&O and EPLI exposures?Yes, we offer stand-alone or combined D&O and EPLI policies with shared or separate limits, depending on your client’s risk profile and needs. What documents are required for underwriting?We require a cannabis application, business plan, organizational chart, executive team list, financials, ownership structure, and funding details. What is the minimum retention?Retentions start at $25,000 but may vary based on the size and complexity of the account. Is this program available in all states?No, but we write in most states where cannabis is legal. Please check our list of eligible states or contact us for specific state availability. Need help placing an account? Connect with a market specialist.

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Public Entity Insurance Program from MAXIMUM MAXIMUM offers a focused Public Entity insurance program designed for smaller municipalities and special service districts. As a wholesale broker with access to a mix of admitted and non-admitted markets, MAXIMUM enables independent agents and brokers to place hard-to-place public-sector accounts with flexible solutions. Whether you need coverage for a small city, a rural county, or a unique public entity, MAXIMUM can help tailor terms to the client’s exposures. Ideal Accounts and Appetite This program targets a range of smaller public entities, including: Cities with populations under 25,000 Counties with populations under 55,000 Special service districts such as transit authorities, water districts, and park districts Typical placements include a small town with volunteer emergency services, a rural county seeking consolidated property and fleet protection, or a local water district needing liability and equipment coverage. If you represent public-administration clients with specialized exposures, this program is intended to serve those needs. Coverage Highlights and Advantages MAXIMUM’s Public Entity program offers broad coverage options to address common municipal exposures. Available lines include: Property Inland Marine General Liability Crime Equipment Breakdown Auto Liability & Physical Damage Umbrella Professional liability options are also available, such as: Law Enforcement Liability Public Officials Liability Employment Practices Liability These coverages help protect public entities from operational losses, employee-related litigation, and civil-rights exposures commonly faced by law enforcement and administrative functions. Underwriting Notes and Carrier Access MAXIMUM places this program through a network of both admitted and non-admitted carriers, providing flexibility to match state requirements and the risk profile. Underwriters experienced in municipal exposures work with agents to structure terms for accounts with unusual or complex risks. Typical submission materials include completed applications, loss runs, and details on operations and services provided by the entity. Contact MAXIMUM for specific submission requirements and state-specific guidelines. Territories and Availability The Public Entity program is available in most U.S. states, including 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, WV, WI, and WY. Why Work With MAXIMUM? MAXIMUM is a wholesale brokerage partner with deep experience in public-sector risk. Agents benefit from access to multiple markets and underwriters who understand municipal operations and exposures. MAXIMUM’s team focuses on responsive service, practical underwriting, and competitive turnaround times—helpful when you need to place challenging municipal or special-district accounts. Frequently Asked Questions What types of accounts are a good fit for this program?The program is best for cities under 25,000 population, counties under 55,000, and special service districts such as transit, water, and park authorities. What coverages are included in the Public Entity program?Available coverages include Property, General Liability, Inland Marine, Crime, Auto Liability, Umbrella, Equipment Breakdown, plus professional liability options like Law Enforcement and Public Officials Liability. Are admitted carriers available for this program?Yes. MAXIMUM works with both admitted and non-admitted carriers; placement depends on the state and the specific risk characteristics. Is this program available in my state?The program is offered in most U.S. states. Contact MAXIMUM to confirm current availability for your state and the particular exposure you are submitting. What information is needed to submit a risk?Typical submissions include completed applications, current loss runs, and information about operations, facilities, and fleet. Reach out to MAXIMUM for any carrier-specific or state-specific requirements. Need help placing an account? Connect with a market specialist.

Expertise. Solution. Service. MAXIMUM offers a robust Builders Risk Insurance program designed specifically for contractors, developers, and property owners. As a wholesale broker with access to both admitted and non-admitted carriers, MAXIMUM combines deep construction-market knowledge, flexible underwriting, and broad market access to deliver tailored solutions for projects across the United States. Ideal Accounts and Appetite This program fits a wide range of residential, commercial, and public-sector construction and renovation projects. MAXIMUM places everything from single-site builder reporting forms to complex multi-building habitational projects and large commercial developments. Target classes include: 1–4 family dwellings, including homebuilders using reporting forms Apartments, condominiums, hotels, and motels Hospitals, assisted living facilities, and group homes Retail, restaurants, and office buildings Schools, municipalities, and correctional facilities Bridges, tunnels, and manufacturing facilities All habitational classes, including complex multi-building sites Example fits: a developer building a mixed-use apartment/retail complex, or a contractor performing a large renovation of a historic hotel that requires protection for existing structures as well as new work. Coverage Highlights and Advantages MAXIMUM’s Builders Risk program delivers broad, all-risk protection that can be customized by project size, duration, and location. Policies may be issued on a project-specific or master program basis to suit frequent builders or single large projects. Limits up to $150 million per risk (non-CAT), depending on construction type and occupancy Admitted and non-admitted placement options nationwide Flexible policy terms (3–36 months) and multi-year single project options All-risk coverage subject to policy exclusions Coverage for existing structures during renovations Standalone wind, flood, and earthquake (CAT) coverage available Deductible buy-downs for CAT exposures where appropriate Delay in completion coverage for soft costs, rental income, and business income Mono-line contractors equipment, riggers’ liability, and equipment floaters Underwriting Notes and Program Structure Policies are typically written ground-up (100% written) and can be structured as primary, excess, or quota-share placements. Reporting form programs and multi-year single project policies are available for ongoing builds. MAXIMUM also administers Builders Risk master programs for contractors and developers with frequent or complex placements. Underwriting considers construction type, site security, project controls, and CAT exposure. While the program is broad, high-risk operations with poor loss controls or projects in extreme CAT zones may require alternate placement or additional terms. Territories and Availability Available in most states — MAXIMUM works with both admitted and non-admitted carriers to provide coverage across the U.S., subject to carrier guidelines and individual project characteristics. Common placements include CA, FL, TX, NY, IL, and GA, among others. Why Work With MAXIMUM? MAXIMUM offers agents and brokers responsive underwriting, strong carrier relationships, and solutions oriented to construction risks. Whether you need a quick quote for a single project or a managed master program for a repeat builder, MAXIMUM provides the market access and program structure to get accounts placed efficiently. Contact MAXIMUM by phone or email to discuss a specific account or to arrange submission requirements. We focus on delivering practical, market-driven solutions for Builders Risk exposures. Frequently Asked Questions What types of accounts are a good fit for MAXIMUM’s Builders Risk program?Residential homebuilders, commercial developers, and contractors working on new construction or renovation projects — including habitational, retail, healthcare, infrastructure, and municipal builds — are ideal candidates. Does the program cover renovations involving existing structures?Yes. MAXIMUM can include the existing structure in the Builders Risk policy to provide protection during renovation or retrofit projects. Are catastrophe perils like wind, flood, and earthquake available?Yes. Standalone CAT coverage for wind, flood, and earthquake is available, and deductible buy-downs can be arranged depending on the project and location. Can I place multi-year or reporting form policies?Yes. Policy terms run from 3 to 36 months, with multi-year single project options and reporting form programs for ongoing construction schedules. Is coverage available nationwide?MAXIMUM works with admitted and non-admitted carriers to place Builders Risk in most states. Availability in a particular state or for a specific risk depends on carrier appetite and project characteristics. Need help placing an account? Connect with a market specialist.

...ns. More complex accounts may take longer depending on details and supporting ...