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Expertise. Solution. Service. MAXIMUM offers a focused Specified Professions Errors & Omissions insurance program built for the distinct errors-and-omissions exposures of many professional service providers. As a wholesale broker with access to top carrier markets in most states, MAXIMUM helps you place E&O for hard-to-place, niche, or specialty classes. Whether your client is a management consultant, photographer, accountant, or another professional services firm, we provide flexible options designed around their operational risks. Ideal Accounts and Appetite This program targets professionals and small businesses with revenues up to $15 million. It is particularly well suited to consultants, creative professionals, service providers, and support roles across industries. Popular target classes include: Accountants, bookkeepers, and tax preparers Graphic designers, photographers, and videographers Management, marketing, and HR consultants Interpreters, tutors, and educational consultants Claims adjusters, insurance risk managers, and inspectors Some other classes (for example, caterers, tour operators, and landscape architects) are eligible for coverage but are not eligible for our preferred package. Coverage Highlights and Advantages MAXIMUM’s Specified Professions E&O program offers robust primary and packaged options to meet a range of client needs: Errors & Omissions limits up to $5 million General Liability limits of $1M per occurrence / $3M aggregate Business personal property up to $250,000 Business income up to $50,000 Hired and non-owned auto liability up to $1 million Excess GL available up to $5 million Policy enhancements are available through our ProSecurity+ endorsement, which includes: Coverage for malicious code and unauthorized access $50,000 for reputation restoration expenses Lifetime occurrence reporting for individual insureds Coverage for pro-bono services and independent contractors Full prior acts coverage for most first-time buyers Worldwide coverage for wrongful acts (claims made within the U.S., its territories, or Canada) Defense outside the limits, a softened hammer clause (75/25), and other insured-friendly terms Underwriting Notes and Deductibles Underwriting is flexible and pragmatic. Typical deductible options include: E&O deductibles starting at $0 General liability deductible of $0 Property deductibles starting at $1,000 MAXIMUM does not write accounts that perform licensed legal, medical, or financial-fiduciary services. Examples of generally ineligible classes include attorneys, medical professionals, title agents, payroll processors, and similar regulated professions. Refer to underwriting guidelines for full exclusions and class restrictions. Territories and Availability This program is available in most states. Admitted placement is available in most jurisdictions, making it suitable for standard admitted or non-admitted placements depending on the class and state. Available states include: 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 MAXIMUM As a wholesale broker, MAXIMUM combines deep underwriting experience with broad carrier access and responsive service. We focus on professional liability niches where tailored terms, prior-acts options, and sensible policy enhancements matter. Working with us gives you: Access to top markets that can write hard-to-place professional classes Underwriters who understand the nuances of professional exposures Flexible packaging options (E&O with GL and property) for eligible classes Value-added resources such as HR tools, screening services, identity-theft resources, and marketing support Sample Accounts That Fit A regional marketing consultant with $2M in revenue who provides strategy and implementation services and needs professional liability and GL with cyber-related coverage enhancements. An independent CPA firm with $4M in revenue seeking E&O limits of $2M and prior acts coverage after changing carriers. Please reach out to us today by phone or email with any questions and to discuss how we can assist in this process. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for professional service providers such as consultants, accountants, graphic designers, educational professionals, and other small businesses with revenues up to $15 million. Are there any classes that are not eligible for this coverage?Yes. We generally do not write high-risk or tightly regulated professions such as attorneys, medical professionals, architects, engineers, title agents, and other similar fiduciary roles. See underwriting for full exclusions. Can E&O be packaged with other coverages?Yes. For eligible classes, E&O can be packaged with general liability and property coverages or placed as a preferred package with enhanced terms. Is prior acts coverage available for new buyers?Yes. Full prior acts coverage is available for most first-time E&O buyers, subject to underwriting review and the specifics of the account. What states is this program available in?The program is available in most U.S. states, including major markets such as California, Texas, Florida, and New York. Admitted options exist in most jurisdictions. 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.

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. MAXIMUM's Beauty Salons and Barber Shops program is a wholesale broker market designed for agents placing salon, barber and individual beauty professional risks. The program combines flexible limits, simple rating for professional services, and value-added business services to help you place accounts efficiently and competitively. Available Limits: • General and professional liability limits up to $1 million/$2 million • Property limits up to $3 million (subject to coastal guidelines) • Hired and non-owned auto up to $1 million • Excess/umbrella up to $5 million Preferred Business: • Risks with revenues up to $3 million • Eligible classes include, but are not limited to: • Barber shops • Independent contractor beauticians/barbers/manicurists/massage therapists • Beauty parlors and hair styling salons Ineligible Risk Characteristics: • Located in AK, LA, or WV • Hair removal by electrolysis • Eyelash extensions • Student operators • Products sold under the applicant’s own name or label Product Advantages: • No liability deductible • Rated on the number of professional operators • Automatically includes professional liability for services such as waxing and massages • Chair or booth renters are considered named insureds under the salon’s professional liability • No designated premise restriction • Ability to consider: • Up to 4 tanning beds • Incidental massage services • New ventures • Access to Business Solution Vendors, including: • Human Resources services • Pre-employment and tenant screenings • Identity Theft protection • Marketing resources Ideal Accounts and Appetite This program is best for independent salons, barber shops, and self-employed beauty professionals with annual revenues generally up to $3 million. MAXIMUM will consider single-location and small multi-location operations where exposures are limited to routine beauty and grooming services. Typical fits include: Neighborhood barber shops and full-service hair salons Salons that rent chairs or booths and engage independent operators Establishments offering waxing, nail services, styling, and incidental massage Underwriting Notes — What Will Trigger a Decline Underwriters will typically decline accounts with high-risk or specialized procedures that fall outside routine salon services. Key ineligibilities include: Locations in Alaska, Louisiana or West Virginia Hair removal by electrolysis and eyelash extension services Student-run operations and businesses manufacturing or selling products under their own label Coverage Strengths and Practical Advantages MAXIMUM’s program is structured to make placement straightforward for agents: No liability deductible — improves competitiveness for small business accounts. Professional liability included automatically for common salon services such as waxing and massages. Chair/booth renters are treated as named insureds on the salon’s professional liability — simplifies cover for shared-space arrangements. Rated by number of professional operators — easy quoting for mixed-staff models. Ability to consider limited ancillary exposures (up to four tanning beds, incidental massages) and new ventures. Territories and Admitted Status Availability: Most Available States. This program is available through MAXIMUM as a wholesale broker in the following jurisdictions: AL, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, 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, WI, WY. Check state-specific eligibility and coastal property guidelines for property limits. Example Accounts You have a single-location hair salon with three stylists, offering color, cuts, waxing and occasional chair renters — this program can provide GL and professional liability with no deductible and treat the renters as named insureds. A neighborhood barber shop with one towing-owned vehicle exposure for product deliveries and revenues under $1 million — the program’s hired/non-owned auto limit and the GL/PL package can be a straightforward option. Please reach out to us today by phone or email with any questions and to discuss how we can assist in this process. Frequently Asked Questions What types of salon and barber risks are a good fit for MAXIMUM’s program?Small to mid-sized salons and barber shops with routine services (cuts, color, waxing, nails, incidental massage) and revenues generally up to $3 million. Chair or booth rental arrangements and new ventures are also considered. Are professional liability and chair renters covered?Yes. Professional liability for common services (including waxing and massage) is included automatically, and chair or booth renters can be listed as named insureds under the salon’s professional liability. Which exposures are ineligible under this program?The program excludes locations in AK, LA, and WV, as well as operations offering electrolysis, eyelash extensions, student-run shops, or businesses that manufacture and sell products under their own label. What are the primary limits available and important underwriting considerations?Typical limits include GL/PL up to $1M/$2M, property up to $3M (with coastal restrictions), hired/non-owned auto up to $1M, and umbrella up to $5M. Policies are rated by number of professional operators; property coastal guidelines and state availability may affect acceptance and limits. Need help placing an account? Connect with a market specialist.

...tection against E&O exposures along with essential property and liability ...ram?Yes, new ventures are eligible as long as they meet the underwriting crite...

Expertise. Solution. Service. MAXIMUM offers a flexible and agent-friendly solution for clients who host multiple events throughout the year where alcohol may be served—but who are not in the business of selling or distributing alcohol. The Annual Host Liquor Liability program is designed specifically for hosts of social, corporate, and nonprofit events who need protection from third-party claims related to alcohol consumption at their functions. Ideal Accounts and Appetite This program is ideal for organizations and individuals who host up to 24 events annually with no more than 150 attendees per event. Your clients should not hold a liquor license or permit, and they must not be in the business of selling or serving alcohol. Events should be incidental to the client’s core operations—such as corporate gatherings, fundraisers, or social celebrations. Target classes include: • Anniversary parties • Conferences • Retirement parties • Banquets • Fundraisers • Seminars/workshops • Beef and beers • Monthly board meetings • Wedding receptions • Cocktail parties • Picnics Coverage Highlights and Advantages MAXIMUM’s Annual Host Liquor Liability program offers broad coverage and key enhancements that help protect your clients from unexpected liabilities: • Policy includes up to 24 unscheduled events per year • Limits range from $500,000/$500,000 up to $1 million/$2 million • Assault or battery coverage included at no additional premium • $0 liquor liability deductible • Property owner can be added as an additional insured for just $50 • Blanket additional insured option for multiple property owners available for $150 • Access to Business Solution Vendors, including: • Social media tools • Identity theft protection • Marketing resources Underwriting Notes This program is not suitable for risks that: • Are located in AK, AL, IA, IL, LA, MN, MS, OR, RI, VT, or WV • Host more than 24 events annually involving alcohol • Exceed 150 attendees at any single event • Hold a liquor license or permit for any event • Are in the business of selling or distributing alcohol There is no stated minimum premium, but underwriting evaluates each risk based on event frequency, location, and exposure details. Territories and Availability This program is available in most states, including but not limited to CA, TX, NY, FL, PA, and OH. It is not available in AK, AL, IA, IL, LA, MN, MS, OR, RI, VT, or WV. The program is offered on an admitted basis in most eligible states. Why Work With MAXIMUM? As a trusted wholesale broker, MAXIMUM delivers tailored insurance solutions for niche liability exposures. Their responsive service, underwriting expertise, and access to competitive markets make them a valuable partner for agents seeking to protect clients who occasionally host events where alcohol is served. Whether your client is a nonprofit hosting quarterly fundraisers or a business throwing a holiday party, MAXIMUM can help safeguard them from liquor-related liability risks—without requiring a separate policy for each event. Please reach out to us today by phone or email with any questions and to discuss how we can assist in this process. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include individuals or organizations hosting up to 24 events annually with fewer than 150 attendees per event, where alcohol is served but not sold. Can my client hold a liquor license for any of the events?No. Applicants must not hold a liquor license or permit for any event to qualify for this program. What are some examples of acceptable events?Examples include wedding receptions, fundraisers, corporate banquets, retirement parties, and board meetings with alcohol served. Is this program available in all states?No. The program is not available in AK, AL, IA, IL, LA, MN, MS, OR, RI, VT, or WV. It is available in most other states. Does the policy include assault or battery coverage?Yes. Assault or battery coverage is included at no additional premium under this program. Need help placing an account? Connect with a market specialist.

Expertise. Solution. Service. MAXIMUM’s Janitorial Services program is a specialized offering for agents and brokers placing commercial and residential cleaning businesses. As a wholesale broker with admitted markets in most states, MAXIMUM delivers flexible, customizable solutions you can use to place janitorial accounts with confidence. The program is designed for businesses from startups to multi-employee operations and can be tailored to fit an insured’s risk profile and budget. Ideal Accounts and Appetite This program is targeted toward: • Commercial, office, and residential cleaning service providers • Businesses with up to 20 employed workers • Operations where floor waxing does not exceed 50% of total services • Accounts that subcontract up to 25% of annual sales • Businesses offering ancillary services (for example, carpet cleaning, window washing, or landscaping) up to a combined 25% of annual sales Example: You might have a client who provides janitorial services for office buildings and supplements their work with occasional window and carpet cleaning—this would be an ideal fit for MAXIMUM’s program. Coverage Highlights and Advantages MAXIMUM’s Janitorial Services program bundles essential protections and optional enhancements so you can give clients robust, marketable packages: • General liability limits to $1M per occurrence / $2M aggregate with no GL deductible • Broad Form Property Damage extension up to $5,000 / $25,000 • Employee theft coverage up to $100,000 / $200,000 • Contractors’ equipment: $2,500 per item / $10,000 any one loss • Rental reimbursement: $250 per day / $5,000 per loss • Lost key coverage up to $25,000 • Excess liability available up to $5 million • Property coverage available up to $5 million Program strengths: Rated by number of workers — no annual payroll/premium audits Coverage flexibility to match different risk tolerances and budgets Optional blanket additional insured endorsement Ability to include building and/or contents coverage Access to value-added services such as HR resources, background checks, identity theft protection, and marketing support Underwriting appetite for new ventures and accounts with recent losses (subject to review) Underwriting Notes Key deductible and underwriting points: • $0 deductible for general liability • Contractors’ equipment deductible starts at $500 • Property deductible starts at $1,000 Typical ineligible risks include: • Cleaning of mercantile establishments while open to the public • Risks located in Alaska, Louisiana, or West Virginia • Handyman services (for example, painting, plumbing, carpentry) • Street cleaning or bulk debris removal • Restoration or specialty services such as mold remediation or pressure washing Territories and Availability This admitted program is available in most states. Representative available states include: AL, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, 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, WI, WY. It is not available in Alaska, Louisiana, or West Virginia. Why Work With MAXIMUM? MAXIMUM specializes in niche commercial programs and offers underwriting expertise, admitted market access, and responsive service. When you place janitorial business through MAXIMUM you benefit from: Access to admitted markets in most states for regulatory comfort and wider placement options Underwriting flexibility for new ventures and accounts with challenging histories Customizable coverage structures to meet a range of client needs Dedicated support through the placement process and value-added services to help clients reduce loss frequency We settle for nothing less than the right choices for our clients and support you in placing suitable janitorial risks with confidence. 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 MAXIMUM’s Janitorial Services program?Ideal accounts are commercial and residential janitorial providers with up to 20 employees, limited subcontracting, and modest ancillary services such as carpet or window cleaning. Can new janitorial businesses qualify for this program?Yes. MAXIMUM will consider new ventures, including those without an established loss history, subject to standard underwriting review. Is this program available on an admitted basis?Yes. The program is admitted in most states, which helps with compliance and simplifies placement for many accounts. What are common coverage options included?Common options include general liability, employee theft, contractors’ equipment, lost key coverage, excess liability, and property coverage—many of which can be adjusted to meet client needs. Are there states where this program is not available?Yes. The program is not available in Alaska, Louisiana, or West Virginia. Need help placing an account? Connect with a market specialist.