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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.

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.

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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.