Search CompleteMarkets

... Solution. Service. MAXIMUM’s The Long Shot - Prize Indemnification program is des... allow professional golfers, practice shots, or mulligans are ineligible for t...

...ge Expertise: • Crime liability • Long term care liability • Technology / Cyb...gotiations. Carrier relationships — long-standing partnerships allow us to s...

...'re placing a new bar or helping a long-time client renew with better coverage...

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.

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.

... while meeting their short-term or long-term needs. We settle for nothing les...roperties that have been vacant for a long time?Yes, there is no restriction o...

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.

...vehicles. Whether your client runs long-haul tractors, regional refrigerated v...ions with 11 or more units, including long-haul, intermodal, flatbed, refriger...

...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.