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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 Personal Liability Coverage Through MAXIMUM MAXIMUM offers a robust Comprehensive Personal Liability program designed to help agents place personal liability protection for a wide range of individual and entity exposures. As a wholesale broker with deep underwriting experience and nationwide market access, MAXIMUM provides flexible admitted solutions for owner-occupied and rental residential properties, vacant land, and high-net-worth individuals. Agents and brokers benefit from responsive service, focused underwriting, and carrier relationships across most admitted states. Ideal Accounts and Appetite This program fits many personal liability risks, including: Owners of 1–4 family dwellings, condo units, and mobile homes — owner-occupied or rented Tenants of multi-unit dwellings or mobile homes Secondary and seasonal residences, including short-term rental properties Dwellings under construction or renovation (when the applicant is not the general contractor) Vacant dwellings listed for sale or undergoing renovation Vacant land up to 250 acres Properties with swimming pools (subject to underwriting criteria) Entities such as trusts, LLCs, family partnerships, and estates held for personal investment The program accepts accounts with up to 15 locations and will consider risks with one liability loss under $10,000 in the prior three years. It is also positioned to support high-profile and high-net-worth individuals requiring tailored liability protection. Coverage Highlights and Advantages MAXIMUM’s Comprehensive Personal Liability program is structured to offer broad protection and practical features that help reduce placement friction for agents: Liability limits available up to $1 million Personal injury coverage included up to the full liability limit $5,000 medical payments included on all risks Defense costs paid outside the liability limit Dog liability included for most breeds (breed-specific restrictions may apply) Host liquor liability included where appropriate Third-party water damage coverage Pre- and post-judgment interest covered Unlimited additional insureds at no extra charge No policy deductibles Insureds also gain access to Business Solution Vendors offering HR services, identity-theft protection, tenant screening, and motor vehicle reports — practical risk-management additions that agents can offer their clients. Ineligibility and Underwriting Considerations To keep suitable risk profiles, the program excludes certain exposures, including: Farms and agricultural operations Applicants with felony convictions Houseboats and properties leased primarily for recreational use (e.g., hunting/fishing) Model homes, student housing, and subsidized housing Assisted living or group-home facilities (limited exceptions for single-occupancy apartments) Vacant land with docks Corporations engaged in non-residential investment activities Risks located in Alaska, Louisiana, or West Virginia Availability and specific terms vary by carrier and jurisdiction. Provide complete loss history and property details to speed underwriting and placement. Territories and Availability The program is offered on an admitted basis in most available states, including large markets such as CA, FL, TX, NY, IL, and GA. It is not available in AK, LA, or WV. MAXIMUM works with appointed agents in admitted markets and can discuss state-by-state placement options during submission. Why Work With MAXIMUM? MAXIMUM combines wholesale market access, technical underwriting, and high-touch broker service to help agents place challenging personal liability risks. We focus on practical solutions, quick responsiveness, and leveraging admitted markets to give clients regulatory advantages where possible. Whether you have a client with multiple seasonal rentals, a high-net-worth individual, or an entity holding residential investments, MAXIMUM can evaluate the account and propose tailored admitted options. We settle for nothing less than the best choices for our clients, and we put no limit on what we can do for your client's Comprehensive Personal Liability Insurance needs. 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 MAXIMUM’s Comprehensive Personal Liability program?This program is ideal for owners or tenants of residential properties (1–4 family dwellings, condos, mobile homes), vacant land, short-term rentals, and high-net-worth individuals. Trusts and LLCs used for personal investments are also eligible. Does the program cover properties with swimming pools or dogs?Yes. Most dog breeds are eligible and swimming pools can be insured, though certain high-risk pool features (unfenced pools, diving boards over 4 feet, waterslides) may be excluded or subject to additional underwriting. Can this program cover multiple properties under one policy?Yes. The program accepts up to 15 residential locations under a single account, making it suitable for clients with several investment or seasonal properties. Is this coverage available on an admitted basis?Yes. MAXIMUM offers admitted placements in most available states, which provides standard regulatory protections and often smoother handling for clients. What types of risks are not eligible for this program?Ineligible risks include farms, properties leased for recreational use, student housing, houseboats, assisted living facilities (except limited single-occupancy situations), and risks located in AK, LA, or WV. 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’s Artisan & Trade Contractors program helps insurance agents and brokers place small- to mid-sized contractor accounts efficiently. With broad underwriting capacity and admitted availability in most states, MAXIMUM combines deep trade expertise, flexible terms, and responsive service to address contractor liability, property, and equipment exposures. Ideal Accounts and Appetite This program is designed for artisan and trade contractors with: Annual revenues up to $1 million Payroll up to $500,000 New ventures or accounts with a lapse or no prior liability coverage Up to 50% subcontracted work Good fits include residential electricians, HVAC installers (non-LPG), interior painters, landscapers, small carpentry and plumbing contractors, drywall crews, and similar trade businesses. Example accounts you might place: a newly formed HVAC startup servicing single-family homes, or a three-person drywall and finish crew with steady local contracts. Target Classes MAXIMUM targets many common artisan trades, including but not limited to: HVAC installation and repair (non-LPG) Electrical contractors and interior wiring Residential and interior carpentry Plumbing (residential and light commercial) Painting (interior and exterior up to 3 stories) Drywall, insulation (incidental), and tile work Janitorial services, carpet cleaning, and window cleaning Landscape gardening and lawn care Shop-only operations and incidental subcontracting are acceptable under the program guidelines. Coverage Highlights and Advantages General Liability: Limits up to $1M/$2M with no deductible Excess / Umbrella: Available up to $5M Property: Building, BPP, and business income up to $3M per location Contractors’ Equipment: Scheduled up to $150K per item or $1M per risk; miscellaneous tools up to $15K Program advantages agents can use when placing business: Admitted placement in most eligible states Blanket additional insured endorsements available per contract Waiver of subrogation and primary/non-contributory wording where required Full contractual liability available for many classes Access to business solution vendors (HR, background screening, marketing support) Underwriting Notes and Deductibles Underwriting is pragmatic and solution-oriented but excludes higher-risk operations. Typical exclusions and restrictions include: Operations in AK, CO, LA, or WV Contractors involved in large residential developments (more than five structures) Work involving fire suppression systems, mold/asbestos remediation, demolition, or medical facilities Trades not included in the eligible class list Deductibles: General Liability: $0 Property: starting at $1,000 Contractors' Equipment: starting at $1,000 Territories and Availability This program is available in most U.S. states, including AL, AZ, AR, CA, 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, and WY. It is offered on an admitted basis in many of these states to provide competitive, compliant solutions for your contractor clients. Why Work With MAXIMUM on Artisan & Trade Contractors As a wholesale broker, MAXIMUM brings hands-on knowledge of artisan contractor exposures and the markets that serve them. Agents benefit from underwriters who understand day-to-day trade risks—jobsite liability, tools and equipment gaps, and contractual obligations—and who will work with you to secure appropriate limits and endorsements quickly. MAXIMUM’s team is solutions-driven and committed to clear communication from submission through binding. For agents placing small-to-mid sized contractor risks, MAXIMUM offers reliable underwriting, broad admitted capacity, and practical endorsements that meet contract requirements. Reach out by phone or email to discuss submissions or specific accounts. Frequently Asked Questions What types of accounts are a good fit for this program?Small to mid-sized artisan contractors such as electricians, HVAC techs, painters, plumbers, landscapers, drywallers, and janitorial businesses with revenues under $1 million and payroll under $500,000 are ideal. Is this program available for new ventures or businesses with a lapse in coverage?Yes. MAXIMUM accepts new ventures and accounts with a lapse or no prior liability coverage, provided the account meets other underwriting criteria and class appetite. What are some ineligible risks for this program?Ineligible risks include operations in AK, CO, LA, or WV; contractors on large new residential developments (over five structures); or trades such as demolition, mold remediation, and sprinkler installation. What coverage limits are available?General liability is available up to $1M/$2M, with excess/umbrella up to $5M. Property and equipment limits are also offered to match typical contractor exposures. In which states is this program available?The program is available in most U.S. states (listed above), and is offered on an admitted basis in many of the eligible states. Need help placing an account? Connect with a market specialist.

Expertise. Solution. Service. MAXIMUM offers a comprehensive Community Association Directors & Officers Liability insurance program tailored for residential and commercial community associations. Designed to protect board members, officers, trustees, volunteers, and property managers from claims arising from decisions made on behalf of their communities, this program offers robust coverage, flexible underwriting, and competitive terms. Ideal Accounts and Appetite This program is best suited for: • Associations with up to 1,000 units • Properties with average unit values up to $1 million Whether your client manages a suburban condominium complex or a mixed-use planned unit development, MAXIMUM can help protect their leadership teams from costly litigation and management exposures. Target Classes Eligible risks include a wide range of community associations: • Condominium association • Office park • Cooperatives (except in New York state) • Planned unit development • Homeowners association • Retail association • Mobile home park • Townhouse association Coverage Highlights and Advantages • Limits available up to $5 million • Defense for breach of contract claims • Coverage for both monetary and non-monetary claims • No exclusion for failure to maintain insurance claims (where available) • Lifetime occurrence reporting period • Manager/management company automatically named as additional insured • Defense costs outside the limit • Duty to defend with affirmative allocation wording • Third-party harassment and discrimination coverage • Employment practices liability included for associations with 10 or fewer employees • Full prior acts coverage • Softened settlement clause covering 75% of defense costs and loss if insured refuses to settle • Punitive damages covered (where insurable by law) • Access to business solution vendors offering HR services, screenings, identity theft protection, and marketing support • A.M. Best A++ rated carrier • Admitted in all states except VT (non-admitted), and not available in WV and LA Underwriting Notes • Retentions start at $1,000 • Retentions vary by state, city, and class The program is not available for the following: • Airports or airstrips • Rental associations • Builder/developer-controlled associations • Sewage treatment facilities • Condo/hotels • Storage associations • Interval ownership • Timeshares • Associations located in LA or WV • Cooperatives in NY state • Associations with more than 1,000 units or average unit values over $1 million • More than two D&O or EPL claims/circumstances in the past five years Territories and Availability This program is available in most U.S. states, including but not limited to CA, FL, TX, NY, IL, and NJ. It is not available in Louisiana or West Virginia, and is written on a non-admitted basis in Vermont. Why Work With MAXIMUM? As a wholesale brokerage with extensive experience in specialty insurance programs, MAXIMUM delivers tailored solutions, responsive service, and strong market access. Our Community Association D&O program leverages our deep industry knowledge to help you protect your clients and grow your book of business. We don’t settle for less than the best—and neither should you. 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 condominium associations, homeowners associations, planned unit developments, and similar community associations with up to 1,000 units and average unit values under $1 million. Are property managers covered under this policy?Yes, the manager or management company is automatically named as an additional insured under the policy. Is employment practices liability coverage included?Yes, EPL coverage is included at no additional premium for associations with 10 or fewer employees. Are defense costs included within the policy limits?No, defense costs are outside the policy limit, providing additional protection to the insured. Which states is this program not available in?The program is not available in Louisiana or West Virginia and is written on a non-admitted basis in Vermont. Need help placing an account? Connect with a market specialist.