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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.

Employees are the backbone of any business. For companies that install office equipment, field staff face distinct on-the-job risks: lifting heavy copiers and printers, maneuvering bulky equipment through tight stairwells, working on customer premises, and handling wiring and racks. As an agent or broker, you need a Workers Compensation solution that reflects those exposures and the operational practices of the contractor. Novatae Risk Group, in partnership with Empire Underwriters, offers a focused Workers Compensation Insurance program for Office Equipment Installers. With more than 30 years of experience placing this class, our underwriting team understands the loss drivers, common loss scenarios, and the loss-control measures that make the difference. Whether your client installs copiers, printers, server racks, cabling, or other commercial office systems, this program is structured to meet their trade-specific needs while providing fast service for you. Ideal Accounts and Appetite Small to mid-sized office equipment installation firms with field technicians Companies with manual-labor exposure but documented safety programs and training Accounts with prior coverage and an otherwise manageable loss history New ventures may be considered if adequate documentation and controls are provided You might have a client who routinely installs multifunction printers across multiple office locations, or a regional IT integrator that ships and installs server racks and structured cabling. Those are the types of accounts that typically fit this program. Coverage Highlights and Advantages Competitive commission structure for agents and brokers Fast quote turnaround when a completed submission is provided Program available across a broad set of states to support regional accounts Minimum premium starts at $7,500 The program balances competitive pricing with underwriting rigor. Quick response times and broad market access help you place accounts efficiently and keep your clients working. Submission Requirements Completed ACORD 130 application Three years of currently valued loss runs Supplemental questionnaire specific to office equipment installers Details on any large or unusual prior losses Underwriting Notes and Minimums Underwriters focus on job duties, crew size, use of lift or mechanical aids, driver exposure, and documented safety practices. Strong safety programs, routine employee training, written lift procedures, and evidence of routine vehicle and equipment maintenance help your submissions. The program has a minimum premium threshold of $7,500; larger accounts can be placed across available markets depending on loss experience and controls. Available Territories This program is available in the following states: 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. Contact us to confirm current availability in a client’s specific state. Why Work With Novatae Risk Group Novatae Risk Group is a Managing General Underwriter and Excess & Surplus Lines broker with specialty expertise in nuanced workers compensation placements. Our longstanding relationship with Empire Underwriters gives agents access to a range of admitted and non-admitted markets and to underwriters who know this trade. We combine market access with a service-driven approach to help you move submissions quickly and place accounts where standard markets are constrained. Need a Workers Compensation Insurance quote for your Office Equipment Installer client? Email [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 program?This program is designed for businesses that install, service, or move office equipment such as copiers, printers, IT hardware, and similar systems. Ideal accounts have field staff, documented safety protocols, and a generally favorable loss history. What documents are needed to submit an application?Required documents include a completed ACORD 130, three years of loss runs (currently valued), a supplemental questionnaire, and details on any large prior losses. Which states is this program available in?The program is available in over 20 states, including CA, TX, NY, FL, and IL. Contact your underwriter to confirm availability in the specific state where the risk operates. Is this program admitted or non-admitted?We have access to multiple markets, allowing placements in both admitted and non-admitted options depending on the state and the specifics of the risk. How fast can I get a quote?Quotes are typically turned around quickly once all required documentation is received. Providing complete loss runs and the supplemental questionnaire up front speeds the process. Need help placing an account? Connect with a market specialist.

AVIATION WORKERS’COMPENSATION INSURANCE AVAILABLE NATIONWIDE Arlington/Roe & Co., Inc. offers industry-leading Aviation Workers' Compensation programs designed for the broad needs of the general aviation and aerospace manufacturing sectors. Our programs support FBOs, service centers, flight schools, prop shops, charter operators, avionics manufacturers and installers, repainting and refinishing operations, engine rebuild facilities, machine shops, and other aviation-related class codes. We also can package entire accounts even when the aviation class code is not the primary exposure. Our aviation team is composed of career aviation brokers. Together we bring over 85 years of aviation insurance and risk-management experience and have worked as a team for more than 20 years. We represent more than 35 aviation insurance carriers and work with agents experienced in aviation as well as those expanding into this specialty. Note: Arlington/Roe’s Aviation Workers' Compensation storefront on CompleteMarkets can be found using keywords such as "aviation workers' compensation," "aircraft components manufacturing workers' compensation," "aircraft engine manufacturing workers' compensation," and "machine shops aircraft parts workers' compensation." Overview of the Program from Arlington/Roe This Aviation Workers' Compensation program is placed through Arlington/Roe as a Managing General Agency and Excess & Surplus Lines broker. We offer access to admitted and non-admitted capacity across all available markets, leveraging relationships with more than 35 aviation-focused carriers to place complex and niche exposures that standard carriers often decline. Ideal Accounts and Appetite Fixed-wing and helicopter operations: commercial, corporate, personal and non-owned aircraft. General aviation maintenance and repair: FBOs, service centers, prop shops, avionics shops, repainting/refinishing, engine rebuilds, and related machine shops. Aviation and airport facilities: small municipal airports, private airports, helipads, control towers, maintenance facilities and FBO operations. Manufacturers and parts distributors: critical and non-critical parts for passenger, military and general aviation airframes and engines. Flight schools, charter and cargo operators, and ground handling/refueling operations. Coverage Highlights and Advantages Program tailored for the operational exposures common to aviation workplaces — maintenance bays, hangars, flight lines, and manufacturing floors. Ability to bind entire accounts that include aviation exposures even when the aviation class code is secondary to the account. Access to both admitted and non-admitted markets nationwide, with specialized underwriting capacity for higher-hazard classes. Support from an experienced aviation team for risk review, class code selection, and loss control recommendations tailored to aviation operations. Underwriting Notes Underwriting focuses on detailed operations descriptions, payroll allocations by class code, risk controls in maintenance and manufacturing areas, and prior loss history. Arlington/Roe can consider accounts where the aviation class code is not the largest payroll item, but full exposure detail must be provided. Minimum premiums and terms vary by carrier and state; contact Arlington/Roe for specific appetite and placement guidelines. Territories and Availability Available nationwide through all available markets. States served 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 Arlington/Roe on Aviation Workers' Compensation Specialist underwriting and decades of aviation-focused experience. Broad market access — admitted and non-admitted capacity with 35+ aviation carriers represented. Flexible placement for mixed accounts where aviation exposure is a portion of the business. Practical guidance for submissions, class codes, and loss control to improve placement outcomes. Example Accounts That Fit This Program A regional FBO with maintenance, fueling, and transient aircraft services seeking a comprehensive workers' comp program that covers mechanics and line crew. An avionics shop and small parts manufacturer that assembles and installs avionics equipment and needs coverage across manufacturing and installation exposures. Frequently Asked Questions What types of aviation accounts are a good fit for Arlington/Roe’s Aviation Workers' Compensation program?Accounts such as FBOs, maintenance and repair shops, flight schools, charter operators, avionics manufacturers/installers, repainting/refinishing shops, engine rebuild facilities, and parts distributors are well suited. We also consider mixed commercial accounts where aviation is part of the overall exposure. Can Arlington/Roe place accounts in admitted and non-admitted markets?Yes. Arlington/Roe places business in admitted and non-admitted markets and works with carrier partners across all available markets to find the best fit for the risk and state requirements. What submission details improve the chances of placement?Provide a clear description of operations, payroll by class code, recent loss runs (five years if available), safety and loss-control practices, and details on maintenance, manufacturing, or hangar operations. The more specific the submission, the quicker underwriters can evaluate appetite. Do you write accounts where aviation isn’t the primary class code?Yes. One of our program strengths is the ability to write entire accounts even when the aviation class code is not the primary payroll item, as long as full exposure details are supplied. Need help placing an account? Connect with a market specialist.

Standalone Workers Comp Insurance for Mainstreet Classes Novatae Risk Group offers a competitive, flexible Standalone Workers Compensation program tailored for mainstreet businesses. With broad carrier access and an appetite for more than 1,000 class codes, this program gives agents placement options for hard-to-place accounts and for clients who need standalone workers' compensation coverage across many industries. Ideal Accounts and Appetite This program targets a wide range of low- to medium-hazard classes. Whether you represent contractors, healthcare service providers, manufacturers, or retail businesses, Novatae can support your clients’ workers compensation needs. Example classes include: In-home nursing and assisted living facilities Contractors such as HVAC, electrical, and excavation Auto service and body repair shops Restaurants, retail grocery stores, and theaters Warehouse and wholesale operations You might have a client with a small landscaping firm or a regional trucking operation — both could be a strong fit for this program depending on loss history and payroll size. Program Features Minimum premium of $7,500 Over 1,000 eligible class codes 10% commission offered to producers Fast quote turnaround once a complete application is submitted Coverage available in more than 20 states Submission Requirements Completed ACORD 130 application Three years of currently valued loss runs Supplemental questionnaire (if applicable) Details on any large losses Sampling of Classes Agriculture Alarms & Sound Assisted Living Auto Body Auto Service Barbers Cabinet Makers Carpenters Clubs Contractors Country Clubs - Golf Driver Training Electrical Mfg. Electrical Contractors Excavation Furniture Mfg. Furniture Upholstering Hardware Mfg. HVAC Contractors Hotel In-Home Care, Nursing Landscape Contractor Machine Facilities Manufacturers Mineral Milling Non-Emergency AMBU Office Machine Install Oil & Gas Production Oil Refining Para Transit Plumber Residential Care Facility Restaurant Retail Grocery Store Theaters Tool Mfg. Trucker & Transportation Wallboard Install Warehouse Workers Wholesale Hardware Territories and Market Access This program is available in over 45 states, including major markets such as CA, FL, TX, NY, and IL. Novatae leverages broad carrier access to place business in both admitted and non-admitted markets depending on state requirements and class specifics. Why Work With Novatae Risk Group As a Managing General Underwriter and Excess & Surplus Lines Broker, Novatae Risk Group provides responsive underwriting, broad market access, and experience placing complex or underserved classes. Agents benefit from fast turnarounds, a wide appetite, and support when standard markets are constrained. Do you need a Workers Compensation Insurance Quote? Send an email to [email protected] with your coverage needs or call 800-758-8113 to speak to an underwriter immediately. Frequently Asked Questions What types of accounts are a good fit for this program?This program is designed for mainstreet businesses such as contractors, assisted living and residential care facilities, auto repair shops, restaurants, and retail stores. It accommodates more than 1,000 class codes. What are the submission requirements for a quote?Submit a completed ACORD 130, three years of currently valued loss runs, any applicable supplemental questionnaires, and details on significant losses. Is this program available in my state?The program is available in over 45 states, including CA, FL, TX, NY, and others. Contact Novatae to confirm availability for a particular risk and state. How quickly can I expect a quote?Novatae aims for fast turnaround once a complete submission is received. In many cases, quotes are provided within a few business days. Are both admitted and non-admitted markets used?Yes. Novatae places business in admitted and non-admitted markets depending on the class, state, and availability. Need help placing an account? Connect with a market specialist.

Workers Compensation Insurance Program from Veracity Insurance Solutions Veracity Insurance Solutions, LLC offers a streamlined Workers Compensation Insurance program tailored to meet the needs of small and mid-sized businesses. Backed by an "A" rated carrier, this in-house program provides agents and brokers with fast turnaround times and access to a wide range of class codes and industry types. Whether you're looking to place new business or find a better fit for an existing client, Veracity makes the process simple and efficient. Target Classes and Ideal Accounts This program is designed to serve a wide variety of low to moderate-risk industries. Target industries include: Retail Shops Office Professionals Automotive Service and Repair Hospitality Light Manufacturing Importers & Distributors Restaurants With over 185 eligible class codes, Veracity’s program is well-suited for agents handling diverse commercial accounts. For example, you might have a client that operates a chain of retail boutiques, or a small machine shop with light manufacturing needs—these are excellent prospects for this program. Coverage Highlights and Program Features Access to approximately 185 class codes Premiums up to $25,000 Experience Mods up to 1.20 accepted Maximum acceptable loss ratio: 50% The program is underwritten through RTW and offers admitted coverage in all available markets. This gives you the confidence of placing your clients with a highly rated, stable insurance provider. Submission Requirements To ensure fast and accurate quoting, please include the following with your submission: Completed Accord Application 5-Year Current Valued Loss Runs 5-Year Premium Breakdown NCCI Worksheet Minimum Premium and Underwriting Notes The program requires a minimum premium of $500, making it accessible for smaller accounts that might otherwise struggle to find cost-effective workers comp coverage. The underwriting team evaluates accounts based on mod, loss history, and industry type, with a preference for clean, stable risks. Territorial Availability This Workers Compensation program is available in the following states: AK, AZ, AR, CO, CT, FL, GA, HI, ID, IL, IN, IA, KS, KY, MD, MI, MN, MS, MO, MT, NE, NV, NJ, NC, PA, SC, SD, TN, TX, UT, VA, WI. Why Choose Veracity Insurance Solutions? As a direct access provider and carrier with in-house underwriting capabilities, Veracity Insurance Solutions offers brokers the ability to place workers compensation with confidence. Our efficient quoting process, competitive pricing, and industry-focused appetite make us a smart choice for agents looking to grow their commercial book. If your client falls within our appetite, we can help you deliver the coverage they need—quickly and reliably. Frequently Asked Questions What types of accounts are a good fit for this Workers Compensation program?Ideal accounts include small to mid-sized businesses in retail, hospitality, office-based professions, light manufacturing, automotive repair, and food service. What is the minimum premium required for this program?The minimum premium for this program is $500, making it accessible for many small businesses. What documentation is needed to submit a risk?Required submission items include a completed Accord application, 5-year loss runs, 5-year premium breakdown, and an NCCI worksheet. Is this program available on an admitted basis?Yes, coverage is offered on an admitted basis in all available markets. How quickly can I expect a quote?Veracity Insurance Solutions is known for fast quote turnaround times, especially when complete submissions are provided. Need help placing an account? Connect with a market specialist.

The health club limited service program is designed for U.S.-based owners and operators of health clubs offering programs and services that may include personal training, aerobics, yoga, pilates, free weights, resistance machines, cardio machines and a variety of exercise classes for members. Coverage provided includes important liability protection for the health club, including its employees, for liability claims arising out of the operations of the health club at a designated location. Note: coverage does not extend to independent contractors of the health club unless the optional coverage available with this program is purchased. Additional insurance programs may be available for facilities not eligible for this program, or those requiring additional coverage needs. Contact K&K to help place your risk. Eligible Operations for Health Club Limited Service Insurance: U.S.-based health clubs with annual sales of $500,000 or less qualify for this program. Coverages Available & Program Highlights: General Liability - Bodily Injury and Property Damage - Personal and Advertising Injury - Products and Completed Operations - Damage to Premises Rented to You - Medical Expense (other than participants) - Hired Auto and Non-owned Auto Liability (not provided in IL, LA, UT, VT and WI) - Professional Liability - Bodily Injury to Participants - No Charge for Certificates of Insurance - Premises Liability Included Optional Coverages - Equipment and Contents - Inland Marine - Abuse, Molestation, or Exploitation Defense Reimbursement Coverage - Medical Payments for Participants Coverage - Sexual Abuse or Sexual Molestation Liability - Liability for Independent Contractors (non-employees) - Primary limits of $1,000,000 to $5,000,000 available K&K Insurance offers sports and recreation websites offering online purchasing capabilities and commission for agents and brokers. The website is simple to use and provides an option to purchase coverage immediately using a credit card. K&K, a leading provider of sports, leisure and entertainment insurance programs, is a key supplier of coverage to the sports and recreation industry and is pleased to offer this innovative technology for our clients’ convenience. The program offers 10% commission to insurance agents when using the online binding system. A convenient registration areea allows agents to manage quotes and bound accounts. Coverage can be purchased at the following sites: www.fitnessinsurance-kk.com – small fitness and exercise facilities and instructors 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

Smith Bell & Thompson, Inc. offers a specialized insurance program tailored for metalworking and plastics products manufacturers that produce to the “specifications of others.” This program is designed for businesses that contract manufacture components and finished products for third parties, helping them manage complex liability and operational risks common in these industries. The program also includes a distributor segment, targeting wholesalers of raw materials, machinery, equipment, and tools used by metalworking and plastics manufacturers. Whether your client sells CNC machines, molds, polymers, or industrial components, this program can provide comprehensive protection for their inventory, operations, and liability exposures. Coverage options include property, general liability, products liability, auto, umbrella, and workers’ compensation. This broad offering ensures that your manufacturing or distribution clients have the insurance support they need across their physical plant, supply chain, and workforce. Ideal Accounts and Appetite Smith Bell & Thompson’s program is best suited for: Custom metal parts manufacturers operating CNC, stamping, or welding equipment Plastic fabrication companies using injection molding or extrusion techniques Contract manufacturers producing components for aerospace, automotive, or industrial OEMs Wholesalers and distributors of raw materials, machinery, or tooling Accounts should primarily produce to the specifications of others; firms designing their own proprietary products may require additional review. Coverage Highlights and Advantages Property coverage for buildings, contents, and business interruption General liability for premises and operations exposures Products liability for manufactured or distributed goods Commercial auto for fleet and delivery risks Umbrella coverage to extend liability protection Workers’ compensation coverage for employee injuries With access to AIG, Smith Bell & Thompson delivers strong carrier backing and underwriting expertise in the manufacturing and distribution sectors. Underwriting Notes Underwriting focuses on operational controls, quality assurance processes, and clear delineation of manufacturing versus design responsibilities. Accounts with good loss history and strong safety practices are preferred. Contact Smith Bell & Thompson for submission requirements and to discuss specific account details. Territories and Availability This program is available on a non-admitted basis in most states, including 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, and WY. Why Work With Smith Bell & Thompson, Inc. Smith Bell & Thompson, Inc. is a trusted program administrator with deep expertise in manufacturing and distribution risks. Their focused appetite, strong carrier relationships, and responsive underwriting make them an excellent partner for agents seeking reliable solutions for metalworking and plastics clients. You might have a client who machines precision parts for a medical device company, or a distributor supplying materials to injection molders. This program is designed to meet their unique insurance needs while supporting you with knowledgeable service and market access. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for metalworking and plastics manufacturers producing to others' specifications, as well as distributors of materials, machinery, and tools used in those industries. Does the program cover both manufacturing and distribution operations?Yes, the program includes tailored coverage options for both manufacturers and distributors, with underwriting focused on their specific operations and exposures. Is the program available on an admitted basis?No, this is a non-admitted program backed by AIG and is available in most U.S. states. What lines of coverage are offered?Coverage includes property, general liability, products liability, auto, umbrella, and workers’ compensation. How do I submit a risk or get more details?Contact Smith Bell & Thompson, Inc. directly to discuss submission requirements and determine if your client’s account fits the program appetite. 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.

HEALTH & EXERCISE STUDIOS For NC and VA Your insureds need firm, market-ready coverage for gyms, studios and other health/exercise facilities. Agents Insurance Markets, Inc. (AIM) offers a tailored program that gives you broad liability and property protection, specialty endorsements for fitness operations, and access to several reputable insurance markets. We underwrite motivated accounts and work with our carrier partners to keep product terms competitive and service responsive. Why AIM is a market of choice for Health & Exercise Studios Comprehensive General Liability options (including occurrence forms and defense outside the limits) Professional Liability for instructors and trainers Property coverage with a Property Enhancement form for equipment and business property Equipment Breakdown coverage available Coverage extensions for signs and computer equipment Employees automatically includable as insureds by endorsement Additional Insured endorsements available for landlords, vendors and others Accepts risks with swimming pools if they meet underwriting guidelines Eligible classes Full-service and specialty gyms (with or without heavy equipment) Aerobics, dance fitness and Jazzercise-style studios Strength/toning facilities and weight machine studios Indoor courts (basketball, racquetball, tennis) Facilities with tanning beds (subject to underwriting) Product highlights General Liability limits available up to $5,000,000 Excess liability capacity available where needed Professional Liability available for instructors, trainers and program directors Abuse or molestation coverage options where appropriate Hired and non-owned auto available Damage to Premises Rented to You — up to $100,000 included Medical payments up to $5,000 Occurrence policy forms; defense outside the limits Competitive rates and strong claims handling from our carrier partners Overview of the program from Agents Insurance Markets, Inc. This program is designed for agents who need a reliable market for a wide range of fitness and exercise operations. AIM combines wholesale underwriting expertise with access to multiple carriers to deliver tailored packages—liability, property and professional coverages—that reflect the specific operations and exposures of fitness facilities. Ideal accounts and appetite Good fits include small to mid-sized neighborhood gyms, boutique fitness studios, instructor-led classes, toning and machine-only facilities, and indoor court operations. We will consider locations with tanning beds and swimming pools if they meet our underwriting guidelines. Higher-risk operations (e.g., heavy rooftop pools, full water parks, large-scale obstacle courses) may fall outside appetite—submit for review. Coverage advantages Higher limits (up to $5M) and excess layers for accounts needing broader protection Optional professional and abuse/molestation coverage for instructor exposures Property enhancement language and equipment breakdown to protect costly fitness equipment Endorsements for additional insureds and employees-as-insureds to simplify account placements Underwriting notes and minimums Underwriting focuses on operations, supervision/training practices, maintenance of equipment, facility condition and any exposures from pools or tanning equipment. Loss history, employee screening, and written safety procedures improve placement prospects. Minimum premiums, specific deductibles and admitted vs. non-admitted placement terms vary by state and carrier—please submit the application and supporting loss runs for exact terms. Territories and availability This program is available in NC, VA and DC. Placement may be on a non-admitted (surplus lines) or admitted basis depending on the state and carrier; confirm admitted options with underwriting at submission. Why place this business with AIM MGA with program expertise and direct access to several established carriers Structured enhancements for fitness-specific property and liability exposures Flexible endorsements (additional insureds, employees as insureds, hired/non-owned auto) Responsive underwriting and competitive pricing for well-presented risks Example accounts you can place A 30,000 sq. ft. community gym with weight and cardio equipment, indoor courts, and a small tanning area—seeking $2M GL and property coverage for equipment. A boutique Pilates/yoga studio with multiple instructors that wants professional liability and general liability limits plus employee coverage endorsements. Frequently Asked Questions What types of fitness businesses are eligible through this program?Gyms and studios such as full-service gyms, boutique fitness, aerobics/Jazzercise, toning/weight machine facilities, indoor court facilities, and studios with tanning beds—subject to underwriting review. Pools are considered if they meet guidelines. What limits and coverage enhancements are available?General liability limits up to $5,000,000, excess liability where needed, professional liability, abuse/molestation options, equipment breakdown, property enhancement language, hired/non-owned auto and additional insured endorsements. Are swimming pool exposures acceptable?Pool exposures can be accepted if they meet AIM’s underwriting criteria (lifeguard policies, maintenance records, safety procedures). Submit full details so underwriters can evaluate specific risks. How should I submit a risk for consideration?Provide a completed application, current loss runs, and details on operations, safety procedures and equipment. Underwriters will review and advise on available terms, limits and any required risk controls. Need help placing an account? Connect with a market specialist.