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..., and transport Landfills Medical waste haulers Medical waste treatment facilities Non-h...ervices, transfer stations, and many medical waste handlers. Hazmat haulers can qualify with 25+ power units,...

...m tailored for the unique risks of waste-related operations. This program is d...cover both commercial and residential waste hauling?Yes, the program supports ...

...ris to specialty haulers handling medical or industrial waste. Examples of el...erials such as dirty dirt, used oil, medical waste, or construction debris — essentia...

USG Insurance Services, Inc. is a national wholesaler and managing general agent (MGA) with 18 offices across the country and the ability to write in all 50 states. Built from the ground up by some of the top executives in insurance, USG continues to expand operations nationwide while providing innovative solutions for the risk management industry. The USG team consists of experts divided not by territory, account size, or coverage who can help meet all commercial insurance account needs. We are problem solvers for all commercial lines coverages and specialize in hard-to-place risks, providing our agents with focused expertise and solutions. In 2016, USG is celebrating 15 years in business and continues to outpace industry growth metrics with a state-of-the-art Service Center, Marketing Department, and IT Department. We have also branched out into several specialty divisions, including AAU: Allied American Underwriters, Brokers Financial Services, BFS Inspections, Into Innovations, and Aureate. Our forward-thinking technology continues to evolve through our proprietary system, I3x, that expedites quote process and policy service; and through the launch of a new online and phone quoting system, INS LINK, that will streamline small transactional accounts and bring in additional opportunities nationally. USG's corporate office is located in Tampa, Florida; and our flagship office is located in Canonsburg, Pennsylvania. Contractors Pollution Liability Site Specific Pollution Restoration Contractors Asbestos Abatement Mold Remediation Storage Tanks AST's/UST's Refuse Hauler

Workers' Compensation Coverage for ReMA Members Amwins Program Underwriters' (APU) AmeriComp Recycling insurance program has partnered with APU’s RecycleGuard program — the only property & casualty insurance program sponsored by ReMA — to provide a dedicated workers’ compensation solution for ReMA members. This program is designed for agents who need a market with deep scrap-industry knowledge, tailored underwriting, and broad territorial availability. Overview of the Program From Amwins Underwriting The Amwins Program Underwriters Recycling workers’ compensation program offers specialty underwriting and market access for established recycling operations. The program combines AmeriComp’s WC capabilities with RecycleGuard’s recycling expertise to help you place complex recycling accounts that may not fit standard WC markets. Ideal Accounts and Appetite This program targets established ReMA members with demonstrated industry operations and loss control practices. Typical accounts that fit the appetite include: Metal recyclers — iron & steel and non-ferrous facilities Paper, plastics, glass, textile, and electronics recycling operations Collection centers, shredding operations, and automobile dismantlers Clients with consolidated yard operations, employee training programs, and basic safety controls Accounts that are less likely to fit include brand-new operations without industry experience, entities with uncontrolled chemical processing exposures, or businesses with very high incident frequency and poor safety programs. Coverage Highlights and Advantages Program specifically tailored to scrap and recycling exposures — underwriters understand site operations, common loss scenarios, and loss-control best practices. Available access to admitted markets in the territories shown below; program has relationships with A.M. Best rated "A" capacity. Flexible limits available to match larger payrolls and multiple locations (limits vary by account). Designed for agents who need a disciplined, consistent underwriting approach for recycling risks. Underwriting Notes and Minimum Premiums Eligibility: Established ReMA members only. Minimum premium: $15,000 — the program is positioned for mid-to-larger accounts rather than small, high-volume retail placements. Limits: Various — underwriters will tailor limits to payroll, operations, and loss history. Carrier relationships include QBE; program capacity is supported by A.M. Best rated "A" markets. Territories and Availability Admitted availability in all states listed below. The program is available in: 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 Amwins Underwriting on Recycling Workers’ Compensation Specialized underwriting for recycling — reduces friction on submissions that require industry expertise. Partnership with RecycleGuard and ReMA provides credibility and a focused placement channel for members. Appropriate for agents with established recycling clients who need admitted, A-rated capacity and tailored WC programs. Example Account Scenarios You have a metropolitan metal recycling yard with 40 employees, documented safety programs, and steady payroll — this program can provide admitted A-rated WC capacity with tailored limits. A client operates a mid-sized electronics recycling facility with specialized processing lines and a formal training program; the program’s underwriting team can evaluate operations and structure appropriate coverage terms. For best results, submit complete applications with loss runs, descriptions of operations, details on safety and training programs, and any relevant certificates of compliance. Underwriters will evaluate on operational controls, loss history, and payroll detail. Frequently Asked Questions What types of recycling accounts are a good fit for this program?Established ReMA members in metal (iron, steel, non-ferrous), paper, plastics, glass, textiles, electronics, collection centers, shredders, and automobile dismantling operations are the primary targets. The program prefers businesses with documented safety programs and known operating histories. What is the minimum premium and typical underwriting threshold?The program’s minimum premium is $15,000, making it best suited to mid-sized and larger recycling operations rather than small or start-up businesses. Which states and admitted options are available?The program is available in the states listed above and is positioned for admitted placements in those territories. Confirm state availability on submission as filings and capacity can vary. What materials should I include with a submission?Include current loss runs, a detailed operations description, payroll by class code, safety and training program documentation, and any regulatory compliance records. Complete submissions speed underwriting decisions. Need help placing an account? Connect with a market specialist.

Since 1994, CPAGold — a program administered by Amwins Underwriting — has offered a focused professional liability solution for Certified Public Accountants. This program is designed for agents placing E&O and related professional liability exposures for accounting firms seeking broad, flexible coverage and underwriting expertise from a specialized managing general agency. Overview of the Program from Amwins Underwriting CPAGold targets accounting firms that need tailored professional liability protection, including traditional errors & omissions coverage plus defense for disciplinary matters and privacy/cyber extensions. Amwins Underwriting underwrites the program with an emphasis on practical coverage, supplemental endorsements, and options that reflect common CPA exposures. Ideal Accounts and Appetite Small to mid-sized CPA firms (1–50 professionals) with a balanced mix of tax, audit, compilation, and advisory work. Firms with more than 50 CPAs can be considered on a case-by-case basis. Best suited to firms with standard practice areas rather than highly specialized or unusually risky niches—ask underwriting for borderline or specialty practices. Example fits: You might have a 12-person firm that performs tax, bookkeeping and small business consulting seeking a combined E&O and disciplinary defense package; or a 30-person regional firm looking to add privacy and network security coverage to their professional liability limits. Coverage Highlights and Advantages Errors & omissions (professional liability) tailored for accounting practices Defense expenses for disciplinary proceedings and regulatory investigations Subpoena expense coverage and expense reimbursement Claim mitigation assistance Privacy-covered acts and network security coverage to address data breach and cyber exposures Policy enhancements and special endorsements available to broaden protection where needed Limits available from $100,000/$200,000 up to $5,000,000/$5,000,000 Underwriting Notes As a Managing General Agency program, CPAGold emphasizes a streamlined underwriting process with experienced UW personnel who understand CPA exposures. Typical submission items include a completed application, current and prior acts information, claims history, and descriptions of risk management or cybersecurity controls where applicable. Underwriting will review practice mix, revenue distribution by service line, any open disciplinary matters, and prior claim experience. Firms with complex specialty practices or significant claim histories should be discussed with underwriting before submission. Territories and Admitted Status Available in the following territories: 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. Placement under CPAGold is handled through Amwins Underwriting as a program market. Note: this program is positioned as a non-admitted/surplus lines offering in applicable states — confirm availability and placement rules for the insured’s state of domicile. Why Work with Amwins Underwriting on This Business Niche CPA focus: underwriters experienced with accounting firms and their unique exposures. Comprehensive coverage package that goes beyond basic E&O to include disciplinary defense and cyber/privacy extensions. Flexible limits and endorsements to match firm size and risk profile. Responsive MGA service model geared to help brokers place accounts efficiently and tailor terms where appropriate. Submission Tips Include a completed application and the last 5 years of loss history when possible. Describe practice mix (tax, audit, advisory, bookkeeping) and list any specialty services. Provide summaries of any regulatory or disciplinary matters, even if closed. If requesting network security or privacy extensions, include information on data controls and incident response plans. Frequently Asked Questions What size firms are eligible for CPAGold?The program primarily targets small to mid-sized CPA firms (1–50 professionals). Firms with more than 50 CPAs may be considered on a case-by-case basis—submit details to underwriting for review. What limits and coverages are available?Limits range from $100,000/$200,000 up to $5,000,000/$5,000,000. Standard coverages include professional E&O, disciplinary defense, subpoena expense, and options for privacy and network security. Endorsements and enhancements are available. Is this an admitted or non-admitted program?CPAGold is offered through Amwins Underwriting as a non-admitted/surplus lines program in applicable states. Verify placement rules and surplus lines requirements for the insured’s state of domicile. What does underwriting typically require with a submission?Provide a completed application, prior acts information, at least the last several years of claims history, a practice mix, and any information on disciplinary matters or cyber controls if privacy/network coverage is requested. Need help placing an account? Connect with a market specialist.

LawGold, part of Amwins Program Underwriters, offers E&O insurance coverage for law firms with 1-40 attorneys. Overview of the Program From Amwins Underwriting Amwins Underwriting’s LawGold program provides professional liability (Lawyers E&O) designed specifically for small law firms and solo practitioners. The program is geared to firms that need tailored E&O protections, flexible optional enhancements, and access to admitted paper in many states. Coverage is issued through Amwins Program Underwriters and underwritten with an emphasis on straightforward risks and clean or minimal loss histories. Ideal Accounts and Appetite Solo attorneys and small law firms of 1–40 attorneys. Clean or minimal prior loss history; some affirmative consideration for firms with limited, well-managed prior claims. Solo attorneys or at least one partner should have been admitted to practice for at least two years. Practices without extensive high-exposure specialties (e.g., mass torts, large transactional platforms, or frequent class actions) are the best fit. Coverage Highlights and Advantages Professional liability (errors & omissions) limits appropriate for small law firms. Electronic media liability included to address risks from online communications and content. Worldwide coverage available for professional services, subject to policy terms. Predecessor firm coverage to protect newly merged or reorganized practices. Optional coverages to broaden protection, including: Separate limit for claims expenses Client identity theft coverage Broadcasters liability Career coverage Trustees liability coverage Gramm-Leach Bliley Act (GLBA) coverage Lateral hire coverage Underwriting Notes Underwriting focuses on the firm’s practice areas, claims history, attorney experience, and risk management controls. Expect underwriters to ask for: Prior acts and loss history details Resume or biography for principals/partners showing admission dates and experience Information on firm procedures for conflicts, client intake, and data security when optional cyber/identity products are requested Firms with significant or recurrent malpractice claims, high-volume transactional work, complex litigation exposures, or specialty practices outside the program’s appetite may be declined or referred to excess/non-program markets. Territories and Admitted Status The LawGold program is available in all U.S. states and Washington D.C. Amwins offers admitted coverage in select states. Admitted coverage is available in: AL, AZ, CO, FL, GA, IL, IN, KS, MA, MI, MO, NE, NV, NC, OH, PA, TX, UT, and WV. Non-admitted or excess options may be available in other jurisdictions—confirm state placement options with Amwins underwriting. Example Accounts That Fit This Program A two-attorney family law firm with clean prior history seeking a policy that includes electronic media coverage and optional client identity theft protection. A solo transactional attorney admitted for five years looking for admitted paper in their state and predecessor coverage after a recent firm name change. Why Work With Amwins Underwriting on Lawyers E&O Program-focused underwriting tailored for small law firms and solo practitioners. Admitted paper in many states combined with optional enhancements that let you tailor protection to the client’s exposures. Simple eligibility guidelines that help agents place straightforward risks quickly. Access to Amwins’ broader distribution and program resources when accounts need placement support or endorsement tailoring. For additional program details, application instructions, and submission requirements, refer to the LawGold product page: Click here for additional details about our LawGold program. Frequently Asked Questions What types of accounts are a good fit for LawGold?LawGold targets solo attorneys and law firms with 1–40 attorneys that have clean or minimal loss histories and at least one partner or solo attorney admitted for two or more years. Routine practice areas and firms without frequent high-exposure litigation are ideal. Is admitted coverage available?Yes. Amwins offers admitted LawGold coverage in select states (including AL, AZ, CO, FL, GA, IL, IN, KS, MA, MI, MO, NE, NV, NC, OH, PA, TX, UT, and WV). Availability varies by state—confirm with underwriting at submission. What optional coverages can I add for a client?Options include a separate limit for claims expenses, client identity theft coverage, broadcasters liability, career coverage, trustees liability, GLBA coverage, and lateral hire coverage. Availability depends on underwriting and the client’s exposures. What information does underwriting typically require?Underwriters generally request prior acts/loss history, resumes or admissions dates for principals, descriptions of practice areas, and details on firm risk controls—especially if optional cyber/identity protections are requested. How should I submit a deal or get more information?Submit via your usual Amwins placement channels or contact the Amwins Underwriting team for guidance on eligibility, admitted availability by state, and submission checklists. Need help placing an account? Connect with a market specialist.

DealerGuard - Auto Dealer's Open Lot For over 30 years, DealerGuard from Amwins Underwriting has provided open-lot physical damage coverage tailored to franchised and large independent auto dealers, associations, and finance company floorplans. The program pairs targeted underwriting with consultative service, loss-control support, and nationally recognized claims administration to protect inventory parked on dealer lots. Sweet spot Franchised auto dealers or large independent auto dealers Low demo/employee ratio (<10%) Low loss ratio (<30% current year; <40% prior three years) 5+ years in operation (franchised); 3+ years in operation (independent) Eligible risks - Franchised automobile dealers. Typical operations include sales of new and used vehicles, with incidental maintenance, service, and repair. Minimum account premium is $10,000. - Dealer Open Lot coverage may be written in conjunction with Manufacturer and Floorplan coverage. Ineligible risks - Auto (daily or weekly) rental operations - Boat dealers Coverage highlights Dealer's Open Lot Available for “non-floored only” accounts when required. Inventory protection can be extended to motorcycle and bus dealers. Parametric Parametric hail coverage is available for dealers in high-weather-risk zones where traditional terms can be difficult to secure. Other coverages available (separate policies) - Pollution and Underground Storage Tank Services & claims - Loss control and consultative services - Claims management provided by a nationally recognized third-party administrator - Dedicated, client-focused service team Underwriting notes & minimums Amwins Underwriting operates this program as a non-admitted market focused on larger dealer accounts. The program’s minimum account premium is $10,000. Underwriters look for stable operations, clean loss histories, and strong on-lot controls. Typical requirements include a completed DealerGuard application and currently valued loss runs (current year plus four prior years). Submission requirements - Completed DealerGuard application - Currently valued loss runs (current plus four prior years) - Franchised dealers: page one of the most recent month-end financial statement for each franchise/dealership - Non-franchised dealers: detailed inventory listing for all vehicles Please send submissions to: [email protected] Territory & carrier Available in: AL, AK, AZ, CA, CT, DE, FL, GA, ID, IL, IN, KY, LA, ME, MD, MA, MI, MN, MS, MT, NV, NH, NJ, NM, NY, NC, ND, OH, OR, PA, RI, SC, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Carrier: Lexington. Program administered by Amwins Underwriting (MGA). Why place DealerGuard through Amwins Underwriting? Specialized underwriting for franchised and large independent dealers with decades of program experience. Integrated loss-control and claims services designed for large inventory exposures. Flexible options for non-floored risks, inventory types (including motorcycles and buses), and parametric solutions for hail-prone territories. Dedicated underwriting and service teams focused on dealer-floorplan and open-lot exposures. Example accounts that fit this program You represent a multi-franchise dealer group with consistent safety controls, a low demo-to-employee ratio, and a five-year operating history — ideal for DealerGuard placement. A large independent dealer with several satellite lots, clean loss runs, and a $12,000 account premium need — fits the program’s minimum and underwriting profile. When completing applications, please include the Date a Quote is Required and the Expiring and/or Target Premiums. Frequently Asked Questions What types of dealer accounts are a good fit for DealerGuard?DealerGuard is designed for franchised auto dealers and large independent dealers with stable operations, low demo/employee ratios, and strong loss histories. The program targets accounts with solid on-lot controls and multi-year operating experience. What are the submission and documentation requirements?Submit a completed DealerGuard application, currently valued loss runs (current plus four prior years), and financials or detailed inventory listings depending on whether the dealer is franchised or independent. Is there a minimum premium or territory restrictions?Yes. The program’s minimum account premium is $10,000. Coverage is available in the states listed above; confirm availability with underwriting for specific risks. Does the program handle claims and loss control?Yes. Amwins Underwriting pairs the DealerGuard program with loss control and consultative services and uses a nationally recognized third-party administrator for claims management. What is the parametric hail option and when is it used?The parametric offering provides a hail-triggered payout for dealers in high-weather-risk zones where traditional terms may be limited. It’s intended as an alternate solution for hail-prone portfolios. Need help placing an account? Connect with a market specialist.

...or side-dump trailers Regulated medical or biohazardous waste Mobile-home ...ations hauling hazardous or regulated waste. Minimum premium: Varies by state,...

...eeing vehicles, and non-emergency medical transport. Trucking Operations: Fo...loss history. Are hazardous material haulers eligible?Only petroleum-based haulers are typically eligible. Risks inv...