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Tool manufacturers face distinct workers compensation risks because of the physical nature of production, the use of specialized machinery, and the potential for on-the-job injuries. Novatae Risk Group offers a dedicated Tool Manufacturing Workers Compensation Insurance program built for this sector. Through our underwriting partner Empire Underwriters and more than 30 years of manufacturing underwriting experience, we deliver tailored E&S solutions and responsive service to help you place these accounts. Ideal Accounts and Appetite: This program fits small- to mid-sized tool manufacturers, including tool and die shops, precision CNC and milling operations, metal stamping facilities, and custom tool fabricators. We prefer accounts with clearly defined operations, formal safety programs, and predictable payroll mixes. New ventures may be considered if the owner/operator has relevant experience and documented safety controls. Example: you might have a 25-employee client running CNC machines and stamping presses across multiple states — we can help you secure a competitive workers comp placement with efficient turnaround. Coverage Highlights and Advantages: Workers Compensation coverage tailored to tool manufacturing exposures Non-admitted (E&S) placement options where standard markets are limited Fast quote turnaround with a complete submission 10% commission for appointed agents Available in over 20 states Underwriting Notes and Minimum Premiums: Minimum premium for this program starts at $7,500, which makes it accessible for a wide range of small and mid-sized manufacturers. To obtain a quote, provide a complete submission including: An ACORD 130 application Three years of currently valued loss runs A completed supplemental questionnaire Details on any large or unusual losses Territories and Availability: This non-admitted program is available in more than 20 states, including AL, AK, AZ, AR, CA, CO, CT, FL, GA, IL, KY, LA, MS, MO, NV, NJ, NM, NY, NC, PA, SC, TN, TX, UT, VA, and WV. For the full list of eligible states or specific state requirements, contact our underwriting team. Why Work With Novatae Risk Group: As a Managing General Underwriter and E&S broker, Novatae Risk Group gives agents access to specialized markets and programs that meet niche manufacturing needs. Our underwriting team has deep experience with manufacturing exposures and provides pragmatic, industry-focused guidance. We partner with brokers to place difficult or non-standard workers comp accounts—offering quick responses and a streamlined placement process. Need a quote for your tool manufacturing client? Send an email to [email protected] or call 800-758-8113 to speak with an underwriter today. Frequently Asked Questions What types of accounts are a good fit for this Workers Compensation program?This program is ideal for small- to mid-sized tool manufacturers, including CNC machine shops, metal stamping operations, and tool & die makers that have well-defined operations and documented safety practices. Is this program available for new ventures?New ventures may be considered on a case-by-case basis. Underwriters look for relevant owner/operator experience and evidence of effective safety protocols; a complete submission is required for review. What is the minimum premium for this program?The minimum premium starts at $7,500, which accommodates many smaller manufacturing operations seeking E&S solutions. Which states is this program available in?This non-admitted program is available in over 20 states, including CA, FL, TX, NY, IL, GA and others. Contact underwriting for the full list of eligible states and any state-specific considerations. What submission documents are required to get a quote?Provide an ACORD 130, three years of currently valued loss runs, a completed supplemental questionnaire, and any details about large losses to enable a timely quote. Need help placing an account? Connect with a market specialist.

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From electronics to medical devices, textiles to printing, Worldwide Facilities, LLC offers access to top-tier insurance markets tailored to the diverse needs of the manufacturing and industrial sectors. As a trusted wholesale broker, we provide agents and brokers with comprehensive coverage solutions designed to manage the complex exposures found in these industries. Overview of the Program From Worldwide Facilities Our Manufacturing & Industrial insurance program is designed to support a broad range of manufacturers and distributors. We work with leading non-admitted carriers to offer customized solutions for challenging risks and niche operations. Whether your client manufactures consumer goods, rents out heavy equipment, or operates a machine shop, we can help you place the right coverage efficiently. Ideal Accounts and Appetite This program is ideal for small to mid-sized manufacturing and industrial businesses with unique or hard-to-place exposures. We accept accounts across a wide array of sectors, including: Chemical Clothing & Textiles Consumer Goods Electronics Equipment Rental & Sales Fabrication Food Production Industrial Machine Shops Medical Devices Metal Fabrication Petroleum & Plastics Printing Wood You might have a client operating a regional food manufacturing plant with product recall exposures, or a metal fabrication shop working with flammable materials—both are well within our appetite. Coverage Highlights and Advantages We offer access to a wide array of coverages to help your clients protect against both common and specialized risks, including: Product Recall – Protects against costs associated with defective product removal and replacement. Business Interruption – Covers lost income due to covered events that halt operations. Commercial Auto – For fleets and vehicles used in manufacturing operations. Excess / Products Liability – Provides additional protection beyond standard liability limits. Our carrier partners understand the nuanced exposures in manufacturing operations and can tailor coverages accordingly. Underwriting Notes and Minimum Premiums As a non-admitted program, flexibility in underwriting allows us to evaluate risks that may not fit standard markets. While we don't publish a set minimum premium, we focus on insurable, well-run operations with clearly defined processes and safety practices. Contact us to discuss account-specific underwriting details. Territories and Availability This program is available in most U.S. states, including but not limited to: CA, TX, NY, FL, IL, and WA. We currently offer access in all 50 states plus D.C., enabling you to place multi-state or regional accounts with confidence. Why Work With Worldwide Facilities Worldwide Facilities brings decades of wholesale brokerage experience and deep market access to your manufacturing accounts. Our dedicated team understands the complexity of industrial operations and is committed to helping you find competitive, comprehensive solutions quickly. With a responsive underwriting team and strong carrier relationships, we make it easier for agents and brokers to meet the evolving needs of their insureds. Visit us online for additional information. Contact Lori Hunter Executive Vice President (213) 236-4585 [email protected] Frequently Asked Questions What types of accounts are a good fit for this program?We target a wide range of manufacturing and industrial classes, including machine shops, medical device manufacturers, food production facilities, and equipment rental operations. Is this program available in all states?Yes, we offer this program in all 50 states and Washington, D.C., making it suitable for both local and multi-state accounts. What coverages are commonly included?Common coverages include Product Recall, Business Interruption, Commercial Auto, and Excess or Products Liability, tailored to each client’s operations. Do you work with admitted or non-admitted markets?This program is placed through non-admitted markets, allowing for greater flexibility in underwriting and program design. Who should I contact for a quote or more information?Please reach out to Lori Hunter, Executive Vice President, for submission guidelines and access to carrier markets. Need help placing an account? Connect with a market specialist.

Workers' Compensation Insurance — Superior Access Insurance Services, Inc. Superior Access Insurance Services, Inc. offers a wholesale Workers' Compensation program designed for independent agents and brokers seeking flexible placement options for employer exposures. This program provides statutory workers' compensation coverage for bodily injury by accident and occupational disease arising out of employment. As a wholesale broker, Superior Access leverages multiple carrier relationships to place admitted and non-admitted paper across most states, with tailored solutions for many small-to-mid sized businesses. Ideal Accounts and Appetite Small and mid-sized contractors and trade contractors Machine shops, light manufacturing and fabrication Retail stores and specialty shops Automotive services and repair facilities Wholesale distributors and warehousing (selected classes) Restaurants and food service locations Technology firms and professional/service businesses with low manual labor exposure Many other low-to-moderate hazard classes Accounts with reasonable payroll levels, structured payroll reporting, and acceptable loss runs are the best fit. Highly volatile classes, very large payrolls, or accounts with severe or recent loss histories may require special handling or alternate markets. Coverage Highlights and Advantages Statutory workers’ compensation and employers’ liability limits available through admitted or non-admitted markets depending on state and risk. Program supports a broad range of classes frequently written by retail agents — contractors, retail, hospitality, automotive, manufacturing and more. Wholesale distribution model gives agents access to multiple carrier appetite options from a single point of contact. Flexible underwriting that considers payroll, class mix and loss control activities rather than rigid class exclusions. Underwriting Notes and Minimum Premiums Underwriting focuses on class mix, payroll accuracy, employee exposure, and loss history. Required submission items commonly include a current payroll split, five years of loss runs (when available), and description of operations. Minimum premium varies by carrier and state — please reference “Minimum Premium: Varies” when preparing submissions. Superior Access can advise on which carriers and minimums are applicable once basic information is provided. Territories and Availability Admitted status: Most Available States. This program is available in the following jurisdictions: 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. Availability and admission status will vary by carrier and class — contact Superior Access for current state-by-state capacity. Why Work With Superior Access on Workers' Compensation Wholesale broker specializing in workers’ compensation placements for retail agents and brokers. Access to multiple carriers and placement options without needing numerous separate submissions. Responsive underwriting intake and underwriting guidance to help you present accounts in the most favorable light. Practical approach to common small business classes and transitional risks (e.g., seasonal payroll, part-time staff). Example Accounts That Fit This Program A three-location casual dining restaurant with 30–60 employees and straightforward payroll reporting seeking admitted paper in its home state. An independent machine shop with 12 employees, moderate payroll, and a two-year loss history that wants competitive terms and loss control support. Contact us for more information on our Workers' Compensation program! Frequently Asked Questions What types of accounts are a good fit for this Workers' Compensation program?Small to mid-sized businesses in contractor trades, retail, restaurants, automotive services, light manufacturing, wholesale, and technology/service firms with low manual labor exposure are ideal. Superior Access evaluates payroll, class mix and loss history to determine fit. What do I need to submit for an initial quote?Provide a current payroll breakdown by class, a description of operations, and up to five years of loss runs if available. Additional documents may be requested depending on carrier appetite. Is this program available nationwide?The program is available in most states (see Territories and Availability above). Admitted versus non-admitted placement depends on the state and carrier capacity; Superior Access can confirm availability for a specific state and class. What are the minimum premiums and binding requirements?Minimum premiums vary by carrier and state. Because carriers differ, Superior Access will identify applicable minimums and any audit or reporting requirements once a submission is reviewed. Need help placing an account? Connect with a market specialist.

K&K’s health club basic service insurance program is designed for U.S.-based owners and operators of health and fitness clubs and/or tennis/racquet clubs offering programs and services for members and guests that may include: circuit training, personal training, aerobics, yoga, pilates, free weights, resistance machines, cardio machines, a variety of exercise group classes, strength training, non-contact martial arts, basketball/volleyball, racquet sports, whirlpool/hot tubs, saunas/steam rooms, massage, nursery/babysitting, nutritional weight control, tanning, pro shops, snack/juice bars and 24-hour key card access facilities. Eligible Operations for Health Club Basic Service Insurance: - Health club insurance - Fitness and training center insurance - Gym insurance - Exercise club insurance - CrossFit Affiliate Facility insurance Coverages Available & Program Highlights: General Liability - Products-completed Operations - Personal and Advertising Injury - Bodily Injury to Participants - Professional Liability - Damage to Premises Rented To You - Medical Expense Limit - Hired Auto and Employers' Nonownership Liability (not provided in IL, LA, UT, VT and WI) Optional Coverages - Inland Marine - Supplies and Inventory - Equipment and Contents - Improvements and Betterments - Signs - Abuse, Molestation or Exploitation Defense Reimbursement Coverage - Liquor Liability - Excess Liability - Liability for Independent Contractor (non-employees) - Sexual Abuse or Sexual Molestation Liability Common Associated Exposures: - Group exercise classes - Pro Shops - Massage - Saunas/steam rooms - Nursery, baby-sitting - Snack/juice bars - Nutritional weight control - Tanning - Personal training - Whirlpool/hot tubs - Pilates - Yoga Please contact our regional sales directors for questions about programs offered by K&K. David Mello – AK, AZ, CA, CO, HI, IA, ID, IL, KS, MA, ME, MN, MO, MT, ND, NE, NH, NJ, NV, NY, OK, OR, SD, UT, VT, WA, WI, WY [email protected] 260.438.7611 Nick Pentsos – AL, AR, CT, DC, DE, FL, GA, IN, KY, LA, MD, MI, MS, NC, NJ, OH, PA, RI, SC, TN, TX, VA, WV [email protected] 260.222.1864

Dependable Workers' Compensation for Manufacturing Risks Since launching in 2008, SeaBright Insurance Company and Matias Underwriters have provided reliable, industry-focused workers' compensation coverage for manufacturing operations. Our underwriters evaluate each account on its specific exposures, safety controls and loss history to deliver tailored eligibility decisions and competitive pricing. This program is built for agents who need responsive service, disciplined underwriting, and admitted solutions across the program territory. Ideal Accounts and Target Classes SeaBright’s manufacturing workers' compensation program has broad appetite across light- to moderate-risk manufacturing. We write accounts from smaller shops to larger, more complex operations. Target classes include: Bakeries Boot/Shoe Manufacturing Breweries, Distilleries, and Bottlers Box, Paper Goods, and Packaging Manufacturers Brass, Copper, and Sheet Metal Products Electronics and Electrical Apparatus Manufacturing Food Processing and Canneries Furniture and Mattress Manufacturing Glass, Pottery, and Plastics Manufacturing Machine Shops and Tool Makers Pharmaceuticals, Surgical Goods, and Paint Manufacturing Textile Manufacturers and Tailors Publishers and Printers Jewelry, Leather Goods, and Luggage Manufacturing For specialty or niche manufacturing segments, our underwriting team is available to review unique operations and help you place business with confidence. Coverage Highlights and Advantages SeaBright’s workers' compensation program is structured to address common manufacturing exposures while providing straightforward service to producers. Key advantages: Underwriting expertise focused on manufacturing risks Customized underwriting that looks at operations, controls and loss trends Flexible, responsive service from experienced underwriters Strong claims handling and industry-specific claims support Underwriting Notes and Minimum Premium We consider accounts of varied sizes; the program’s minimum premium is $25,000. Underwriting decisions reflect the operation’s scale, safety program, loss history and industry exposures. Typical characteristics of a good fit include stable operations, documented safety protocols, and manageable loss experience. Accounts with frequent, severe losses or unusually hazardous operations may not qualify. Example fits: You might have a regional bakery with centralized safety procedures and a clean loss record seeking admitted coverage across multiple states — this program can be competitive. A mid-sized electronics assembler with formal return-to-work and safety programs could also be a solid fit for SeaBright’s manufacturing appetite. Territories and Availability This program is available in the following states: CT, DE, FL, GA, IN, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, NE, NH, NJ, NC, OK, RI, TN, TX, VT, VA, DC, and WI. SeaBright offers admitted coverage in all available territories. Why Work With SeaBright and Matias SeaBright Insurance Company specializes in workers' compensation for niche industries that require focused underwriting and claims expertise. Rated A- IX (Excellent) by A.M. Best*, SeaBright combines financial strength with underwriting discipline. Matias Underwriters is a dedicated commercial brokerage and program administrator with deep experience placing manufacturing accounts. Our team prioritizes quick responses, clear communication, and practical solutions that help you close business efficiently. Contact us today to learn how SeaBright and Matias can support your manufacturing clients: Glenn Matias · Phone: 781.710.8022 · Email: [email protected] Send your submissions to [email protected] *A.M. Best ratings range from “A++” (Superior) to “F” (In Liquidation). Ratings from “A++” to “B+” are generally considered “Secure.” Frequently Asked Questions What types of accounts are a good fit for this program?The program is best for manufacturers with stable operations, documented safety programs, and reasonable loss histories. We target a broad set of manufacturing classes including food processing, electronics, machine shops, and light assembly. What is the minimum premium for submissions?The minimum premium for this program is $25,000. We will consider accounts of different sizes provided they meet underwriting guidelines. In which states is this program available?The program is available in CT, DE, FL, GA, IN, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, NE, NH, NJ, NC, OK, RI, TN, TX, VT, VA, DC, and WI. Does SeaBright offer admitted coverage?Yes. SeaBright provides admitted workers' compensation coverage in all program states listed above. Who should I contact for quotes or questions?Contact Glenn Matias at 781.710.8022 or [email protected]. Send submissions to [email protected]. Need help placing an account? Connect with a market specialist.

EXERCISE & HEALTH CLUBS — NC, VA & DC Agents Insurance Markets, Inc. (AIM) offers a focused insurance solution for exercise and health clubs placed by licensed agents in North Carolina, Virginia, and Washington, D.C. As a Managing General Agency with access to multiple respected carriers, AIM provides brokers with expanded market access and competitive program options designed for fitness-related businesses. If you need to place coverage for gyms, personal training studios, boutique fitness centers, or wellness facilities, AIM can be your market resource. We bind a broad package of liability, property, and professional protections tailored to the exposures common in the fitness industry, backed by underwriting expertise and responsive service. Why Choose AIM for Exercise & Health Club Risks: Comprehensive General Liability coverage with limits up to $5 million Professional Liability for trainers, instructors, and fitness professionals Property coverage with enhancement forms available for added protection Equipment breakdown coverage, including computers and signage Employees can be added as insureds by endorsement where appropriate Additional Insured endorsements available for landlords or vendors Coverage for locations with swimming pools may be considered, subject to underwriting Abuse or Molestation coverage offered where applicable Hired and Non-Owned Auto liability available Medical Payments available up to $5,000 with Defense Outside the Limits Occurrence-form coverage with competitive rates Superior claims handling and dedicated customer support Target Classes and Typical Exposures: Gyms (24-hour, membership-based, or small neighborhood gyms) Personal training and boutique studios Aerobics, Zumba, yoga, Pilates, and dance fitness classes Weight and toning machine facilities Fitness centers with courts (basketball, racquetball, tennis) Facilities that include tanning beds, saunas, or similar amenities Ideal Accounts and Examples You might have a client who operates a 24-hour gym with weight machines, group fitness classes, and on-site trainers — a good fit for AIM’s package that combines GL, property, and professional liability. Another fit would be a single-location boutique studio offering personal training, yoga, and instructor-led classes that need professional liability for instructors plus general liability and contents coverage. Coverage Highlights and Advantages AIM’s program is built to address the real operational risks fitness operators face: participant injuries, trainer professional exposures, equipment breakdown, property damage, and potential abuse/molestation exposures where relevant. The program supports higher limits, additional insured arrangements, and several optional endorsements to tailor coverage to each account. Underwriting Appetite and Notes Preferred accounts are locations with professional staff, documented client intake and waivers, and routine maintenance programs for equipment and facilities. Properties with swimming pools, tanning beds, or court sports are considered but require additional underwriting review. Accounts with histories of frequent claims, large prior losses, or inadequate safety protocols may be declined or referred to excess markets. Territory and Market Positioning This program is placed on a non-admitted basis through a selection of top-rated carriers and is available to agents and brokers placing business in North Carolina, Virginia, and Washington, D.C. AIM leverages its carrier relationships to quote limits and endorsements that meet evolving client needs. Why Work With Agents Insurance Markets, Inc.? As an MGA with decades of niche experience, AIM offers underwriting specialists who understand fitness industry operations and exposures. Agents benefit from faster turnaround, competitive terms for stronger accounts, and access to markets that write occurrence-form GL with higher limits. AIM’s team works collaboratively with brokers to structure placements that win and retain clients. Ready to place an account? Connect with AIM when you need a dedicated market for exercise and health club risks — whether it’s a single-location studio or a multi-facility gym. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include gyms, personal training studios, aerobics or dance fitness centers, and facilities with amenities like tanning beds or racquetball courts. Is coverage available for locations with swimming pools?Yes. Facilities with swimming pool exposures may be eligible if they meet specific underwriting guidelines and safety requirements. What limits are available for General Liability?General Liability limits are available up to $5,000,000, and excess liability can be arranged as needed for qualifying accounts. Is the program admitted or non-admitted?This program is written on a non-admitted basis through a selection of markets. Which states is this program available in?The program is available to agents and brokers placing business in North Carolina, Virginia, and Washington, D.C. Need help placing an account? Connect with a market specialist.

Workers Compensation Insurance is a required coverage in most states, providing benefits such as medical expenses and partial lost wages for employees who suffer work-related injuries or illnesses. However, placing coverage for certain businesses can be difficult due to high risk classifications, elevated experience mods, or prior coverage issues. Novatae Risk Group, through its partnership with Empire Underwriters and an “A”-rated carrier, offers a specialized Hard to Place Workers Compensation Insurance program designed for challenging accounts. Whether your client has a high MOD, operates in a tough industry class, or has coverage gaps, we can help you find solutions quickly and effectively. Ideal Accounts and Appetite: Accounts with MODs of 1.30 or higher High-hazard industries and tough-to-place classes Blue, gray, and white collar businesses Clients currently in state pools or residual markets Distressed, lapsed, or non-renewed accounts New ventures welcomed Multi-state exposures are a specialty You may have a client in roofing with lapsed coverage or a trucking company with prior losses—these are the types of risks we regularly underwrite. Coverage Highlights and Advantages: Fast turnaround on submissions Access to multiple “A” rated carriers Stand-alone Workers Comp policies Guaranteed cost, high deductible, and retro-rated options Consent to rate specialists Dividend plans available PEO and ASO contracts available Clients can retain control over payroll and check issuance Custom account handling for unique needs Underwriting Requirements and Minimum Premium: Completed ACORD 130 application 3–4 years of loss runs Details on any large losses Supplemental questionnaire Minimum premium starts at $10,000, and submissions are reviewed thoroughly to match your client with the right market. Territories and Availability: This program is available in most states, including but not limited to: CA, FL, TX, NY, IL, PA, and GA. We currently write in over 45 states, including DC. Sampling of Target Classes: Agriculture Assisted Living Bridge & Road Construction Carpentry Concrete & Asphalt Dirt Work Elderly Care Facilities Excavation Farms In-Home Care Iron & Steel Line Maintenance Logging Machine Shop Maid Services Manufacturers Masonry Non-Profit Organizations Nursing Homes Oil & Gas Paving Pipeline Retail Roofing Sawmills Services Sheet Metal Staffing Companies Tower Erection Trucking & Transportation Partner With Novatae Risk Group As a national Managing General Underwriter and E&S Broker, Novatae Risk Group offers extensive market access and underwriting expertise for difficult Workers Compensation placements. Our dedicated brokers understand the challenges of high-risk classes and distressed accounts, and we work closely with agents to deliver responsive service and creative solutions. Contact us at 800-758-8113 to discuss your Hard to Place Workers Compensation Insurance accounts today, or email us at [email protected]. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for businesses with high MODs, prior losses, lapsed coverage, or operations in high-hazard industries like roofing, trucking, construction, and in-home care. Can new ventures apply for coverage under this program?Yes, new ventures are accepted and can be evaluated for coverage depending on the class of business and state regulations. What documentation is required for submission?We typically require a completed ACORD 130, 3–4 years of loss runs, details of any large losses, and a supplemental questionnaire. Is multi-state coverage available?Yes, we specialize in multi-state exposures and can provide tailored Workers Compensation solutions across state lines. What is the minimum premium for this program?The minimum premium starts at $10,000, but final pricing depends on the class of business, loss history, and underwriting considerations. Need help placing an account? Connect with a market specialist.