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...iated youth group, a faith-based mentoring program, or a nonprofit community o...ce a nonprofit offering faith-based mentoring and after-school services that n...

Cochrane & Company offers a focused Tattoo and Body Piercing Insurance program designed for the unique exposures of tattooing, permanent makeup and body piercing professionals. As a Managing General Agency with niche-market expertise, Cochrane & Company gives independent agents and brokers a streamlined way to place risks that require specialized underwriting and limits tailored to this industry. Ideal Accounts and Appetite This program is ideal for agents placing: Experienced tattoo artists with at least three years of verifiable experience or formal training certification Experienced body piercers with equivalent experience or training Apprentice artists and piercers who operate under qualified, documented supervision The program can accommodate single-operator shops up to multi-artist studios. Retail jewelry sales are acceptable when annual jewelry sales are under $25,000 and the location maintains a central station alarm system. Example accounts you might place with this program: A two-artist shop in Oregon where both artists have certification and the studio maintains a documented sterilization protocol. An apprentice working under a licensed mentor in Washington, with the shop’s overall exposures managed by the supervising artist. Coverage Highlights and Advantages Property Coverage: Available on Basic, Broad, or Special Form Theft coverage is available when a central station alarm is installed and jewelry sales remain under $25,000 annually Equipment breakdown coverage included automatically Optional Inland Marine coverage for mobile equipment or mobile artists Low minimum premiums to support independent operators and smaller studios General Liability and Professional Liability: $2,000,000 General Aggregate $1,000,000 Products/Completed Operations Aggregate $1,000,000 Personal and Advertising Injury $1,000,000 Each Occurrence $100,000 Damage to Rented Premises $5,000 Medical Payments $100,000/$300,000 Sexual/Physical Abuse coverage $100,000/$3,000 Assault and/or Battery coverage $1,000,000 Professional Liability Each Claim with a $2,000,000 Annual Aggregate Underwriting Notes and Minimum Premiums Underwriting emphasizes credentials and verifiable experience. Key considerations include artist certifications, documented infection-control procedures, supervisory arrangements for apprentices, and studio security. Theft coverage requires a central station alarm and limited jewelry revenue. Minimum premiums vary by state and risk characteristics; the program is structured to remain accessible for smaller operators while reflecting the risk profile of each account. Territories and Availability This program is available to agents and brokers placing business in California, Idaho, Montana, New Mexico, Oregon, Washington, and Wyoming. Coverage is written on a non-admitted basis, with carrier placement varying by individual risk characteristics. Why Work With Cochrane & Company? Cochrane & Company brings decades of MGA experience in niche markets. The firm combines responsive underwriting with program features tailored to tattoo and body piercing operations, giving agents access to flexible coverages and specialty limits not always available in the admitted market. Cochrane prioritizes clear risk guidelines and quick, practical responses to placement questions, which helps speed submissions and bind decisions for your clients. If you have clients in this niche—whether a single-artist studio, a multi-artist shop, or an apprentice under supervision—Cochrane & Company provides a reliable non-admitted market option designed for these exposures. For more information on our Tattoo and Body Piercing Insurance, please contact us! Frequently Asked Questions What types of accounts are a good fit for this program?This program targets tattoo and body piercing professionals with at least three years of experience or formal training, plus apprentices supervised by experienced mentors. Studios with limited jewelry sales and proper security systems also fit well. Is coverage available for new or apprentice artists?Yes. Apprentice artists are eligible when they operate under a mentor who has at least three years of experience or holds relevant certifications and the supervision is documented. What states is this program available in?Cochrane & Company offers this program in California, Idaho, Montana, New Mexico, Oregon, Washington, and Wyoming. Is the program admitted or non-admitted?This program is written on a non-admitted basis and placements are made with carriers appropriate to the specific risk profile. Are there coverage options for theft or equipment breakdown?Yes. Theft coverage is available when a central station alarm is installed and jewelry sales remain under $25,000 annually. Equipment breakdown coverage is included automatically. Need help placing an account? Connect with a market specialist.

... on practical action. Live Mentoring: As a safety net, each program participant joins a live mentoring group with 6 participants - either ...

If you hired Steve Jobs to help you develop a Sales Culture, what would he do? First, he'd analyze the problem: 1. Too many producers aren't motivated, aren't prospecting, aren't selling. 2. Prospect management is weak, we don't know what people are working on, can't really project pipeline. 3. Producers are effectively differentiating themselves, too much 'me too' stuff like "better people, better service, better carrier relationships". 4. Sales Meetings are virtual liars clubs, not getting deep enough on an account to know if there is a strategy or not. Build a relationship, better price and better coverage is not a strategy. 5. Competitive information, it's here, you just can't find it. "we have 5-10 competitors, but none of their proposals at hand, no list of their producers, no personal characteristics, we don't know who we beat and who beats us." 6. And, when a competitor agency get's bought, we don't have an attack list. When a competitor agent get's fired or retires, we don't have an attack list. 7. We talk referrals, but can't back it up with a system. Everyone of our producers have at least 10-20 clients that would introduce them, and we don't have the tools to lead them or manage them. 8. We are good at cross-selling and could be a lot better. It's takes the IT department to run me a report on cross-sell opportunities, and by the time I get it, it's out dated. 9. Our new producer pipeline is empty. We are not recruiting, we need to improve our hiring process, our onboarding process, and we need to set high expectations and train and mentor our new producers to get there fast. 10. We don't have a culture of accountability, as a result, 20% of our producers produce, and 80% barely do. If that sounds anything like your agency and you have a desire to change it, click here: www.thewedge.net/iwin-growth-system/

AFC Insurance Inc. offers a focused insurance solution tailored to the unique needs of Senior Living Communities. This specialized program provides Property and Auto coverage exclusively for facilities that serve aging populations, such as retirement communities, age 55+ housing, and senior living centers. As a program administrator with access to a variety of carriers, AFC is positioned to help agents and brokers secure competitive coverage options for these niche risks. Ideal Accounts and Appetite This program is designed for non-medical senior facilities, including: Senior Living Communities Retirement Communities (55+) Independent Living Facilities Note that this program does not include General Liability or Professional Liability coverage. It is best suited for accounts focused on property management and transportation exposures, rather than hands-on healthcare or caregiving services. For example, you might have a client that owns a gated retirement village with a small fleet of shuttle vans for resident transportation—this program can address the property and auto risks for that type of exposure. Coverage Highlights and Advantages Property Coverage – Protects buildings, contents, and equipment specific to senior housing operations. Auto Coverage – Designed for owned and operated vehicles used for resident transport, deliveries, or facility operations. Access to multiple carriers ensures flexibility and market competitiveness. Because the program is focused and streamlined, it can be a strong fit for brokers looking to quickly address core insurance needs without bundling unnecessary coverages. Underwriting Notes and Minimum Premiums Minimum premiums vary and depend on the size and scope of the facility, property values, and vehicle exposures. AFC evaluates each submission on its own merits and seeks clean, well-managed risks that meet program criteria. Facilities with significant healthcare or skilled nursing operations may need to be placed elsewhere. Territories and Availability This program is available in most states, including but not limited to CA, FL, TX, NY, IL, and GA. AFC writes on an admitted basis in many of these states. Agents are encouraged to inquire about state-specific availability and underwriting appetite. Why Work With AFC Insurance Inc.? AFC Insurance Inc. brings targeted expertise and a streamlined underwriting process to hard-to-place classes like senior living. As a program administrator, AFC leverages strong carrier relationships to deliver tailored solutions for niche commercial property and auto exposures. Whether you're placing a single-location senior community or a multi-site retirement real estate operator, AFC gives you the tools to meet your client’s needs with confidence. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for non-medical senior living communities, such as retirement communities for residents 55+ and independent living facilities with on-site amenities but no skilled nursing care. What coverages are included in this program?The program offers Property and Auto coverage only. General Liability and Professional Liability are not included. Can I place accounts with shuttle or facility vehicles?Yes, Auto coverage is included and can accommodate transportation exposures such as shuttle vans used for resident transport. Is this program available in my state?The program is offered in most U.S. states, including CA, TX, FL, NY, and many others. Contact AFC to confirm availability in your specific state. What is the minimum premium requirement?Minimum premiums vary depending on the risk profile, property values, and vehicle count. AFC evaluates each submission individually. Need help placing an account? Connect with a market specialist.

...es After-school programs and mentoring organizations Community outreac...

AFC Insurance Inc. offers a comprehensive Fundraising Organizations Insurance Program as part of its Health & Human Services suite. Designed specifically for non-political fundraising entities, this program provides essential protection for organizations that raise money for charitable, community, or health-related causes. Whether your client is a cancer fundraiser, a private company organizing donation drives, or a group raising funds on behalf of another organization, AFC’s program is tailored to address their unique exposures. Ideal Accounts and Appetite This program is built for professional fundraising organizations and private entities dedicated to charitable work. Eligible classes include: Fundraising organizations Cancer-related fundraising groups Private fundraising companies Organizations raising money for nonprofits or social causes Note: Political fundraising activities are not eligible under this program. Coverage Highlights and Advantages AFC’s program delivers a robust set of coverages to help protect your insureds from the wide range of liabilities that fundraising entities face. Available coverages include: Package Policies General & Professional Liability Coverage Endorsements & Enhancements Volunteers & Independent Contractors included as insureds Optional Key Employee Replacement Endorsement Optional Extended Coverage Endorsement with Blanket Additional Insured Umbrella Liability Property Coverage Auto Coverage (some restrictions may apply) Abuse & Molestation Coverage This breadth of coverage helps ensure your clients are protected across a variety of operational risks, from volunteer-related incidents to property damage or liability claims. Underwriting Notes and Minimum Premiums Minimum premiums vary depending on the risk profile and selected coverages. AFC works with a range of carriers to provide competitive options and will evaluate each submission based on class, operations, and loss history. Including optional endorsements can enhance protection and should be considered based on the client’s needs. Territories and Availability The Fundraising Organizations Insurance Program is available in most states, including but not limited to CA, FL, TX, NY, IL, and GA. AFC Insurance Inc. offers admitted solutions in many of these states, providing a stable and compliant market for your clients. Why Work With AFC Insurance Inc.? As a specialized Program Administrator, AFC has established expertise in the Health & Human Services sector. Their underwriting team understands the specific risks associated with nonprofit fundraising and offers tailored coverage solutions backed by reputable carriers. You can expect responsive service, flexible underwriting, and a program designed to help you place challenging but important accounts. For example, you may have a client organizing year-round fundraising events for cancer awareness or a company that manages donation campaigns on behalf of multiple nonprofits. These are ideal fits for AFC’s program. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for professional fundraising organizations, cancer-related fundraisers, and private companies that raise money for charitable causes. Political fundraising is not eligible. Is volunteer coverage included?Yes, volunteers and independent contractors can be included as insureds through coverage endorsements. Are there any optional endorsements available?Yes, optional endorsements include Key Employee Replacement and Extended Coverage with Blanket Additional Insured. What states is this program available in?The program is available in most states across the U.S., including CA, TX, NY, FL, and others. What types of coverage are included?Coverage options include General & Professional Liability, Property, Umbrella, Auto (some restrictions), Abuse & Molestation, and more. Need help placing an account? Connect with a market specialist.

Home Medical Equipment Dealers Insurance from AFC Insurance Inc. AFC Insurance Inc. offers a focused Home Medical Equipment Dealers Insurance program through its Health & Human Services (H&HS) platform. This program is built for agents placing durable medical equipment (DME) dealers — businesses that sell, rent, deliver, install, or service mobility and respiratory equipment for patients receiving care at home. Ideal Accounts and Appetite This program targets Home Medical Equipment Dealers and DME providers of varying sizes. Typical fits include storefront retailers, regional suppliers with delivery fleets, and independent dealers who service home-bound or elderly patients. Good-fit examples: A regional DME supplier with multiple retail locations, delivery drivers, and in-house repair techs. An independent dealer that sells mobility aids and provides home delivery, setup, and periodic maintenance for elderly clients. A small rental-focused company supplying hospital beds and oxygen concentrators to hospice or home health patients. Operations that typically do not fit under the broader H&HS program include Assisted Living Facilities, Birthing Centers, Correctional Facilities, Psychiatric Hospitals, and Adoption Agencies that represent more than 25% of operations. Review the full ineligibility list before submission. Coverage Highlights and Advantages AFC's program offers broad liability and property solutions tailored to the exposures common in the DME industry. Key coverages and options include: General Liability and Professional Liability designed for product sales, rentals, and service work Package policies that can include Property and Auto (subject to carrier restrictions) Umbrella Liability options for excess protection Abuse & Molestation coverage where applicable Endorsements and enhancements such as: Volunteers & Independent Contractors treated as insureds Optional Key Employee Replacement Endorsement Optional Extended Coverage Endorsement with Blanket Additional Insured Underwriting Notes and Minimum Premiums Underwriting evaluates account size, revenue composition (sales vs. rental vs. service), fleet exposure, and loss history. Minimum premiums vary by carrier, state, and risk characteristics; AFC works with multiple markets to provide competitive terms and flexible retentions for appropriate risks. Prepare submissions with details on revenue by class, vehicle schedules, employees performing installations, and any service protocols to speed review. Territories and Availability The program is available in most states, including AL, AZ, AR, CA, CO, CT, DE, FL, GA, 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. Coverage is admitted in most available states, providing agents access to admitted paper where required. Why Work With AFC Insurance Inc.? As a Program Administrator focused on Health & Human Services niches, AFC combines underwriting expertise with access to multiple carrier partners. Agents receive market-specific guidance, flexible endorsements tailored to DME exposures, and responsive submission support to place complex accounts. If you have clients in the DME space who need admitted capacity, tailored liability forms, or package solutions that include property and auto, AFC is positioned to help you place and service that business. Frequently Asked Questions What types of accounts are a good fit for this program?Accounts that sell, rent, or service durable medical equipment — including storefront retailers, companies that deliver and install equipment at patients' homes, and rental-focused suppliers — are ideal. Mobility equipment dealers, oxygen suppliers, and in-home device vendors are common examples. Are there any operations that are not eligible?Yes. Ineligible operations under the H&HS platform include Assisted Living Facilities, Birthing Centers, Psychiatric Hospitals, Correctional Facilities, and Adoption Agencies when they represent more than 25% of operations, among others. Confirm eligibility before submitting. What coverages are included in the Home Medical Equipment Dealers Insurance program?The program offers General and Professional Liability, package policies that may include Property and Auto (with carrier restrictions), Umbrella options, Abuse & Molestation coverages where applicable, and optional endorsements like Key Employee Replacement and Blanket Additional Insured. Is this program admitted or non-admitted?This program is admitted in most available states, giving agents access to admitted capacity for clients in jurisdictions where admitted paper is preferred or required. Which states is this program available in?The program is available in most U.S. states, including major markets such as CA, FL, TX, and NY. Refer to the full state list in the program details for availability by state. Need help placing an account? Connect with a market specialist.

AFC Insurance Inc.’s Autism Insurance program is offered through its Human & Social Services Insurance platform. As a program administrator with access to multiple admitted carriers, AFC provides flexible, industry-specific solutions for organizations that deliver services to individuals diagnosed with autism. The program can be structured to cover diagnostic assessments, behavioral health therapy, rehabilitative services, counseling, and pharmacy-related support — with options to combine general and professional liability into a single package policy. Ideal Accounts and Appetite This program is designed for a range of autism-service organizations. Typical classes we place include: Autism services providers — outpatient centers, in-home therapy providers, and day-program operators Special schools — private or nonprofit schools focused on special education for children with autism spectrum disorders From the agent’s perspective: this is a good market when your client needs protection for both general liability exposures (slips/trips, premises) and professional exposures (therapy, assessments, treatment plans). AFC is particularly useful for accounts with part-time staff, regular volunteers, or contracted therapists who require endorsed coverage. Coverage Highlights and Advantages Offered on an admitted basis in most states, the program bundles a broad set of coverages that human and social services organizations commonly need: General Liability and Professional Liability (errors & omissions) Package policy options to simplify placement and reduce coverage gaps Endorsements and enhancements, including: Volunteers & independent contractors included as insureds Optional key employee replacement Optional blanket additional insured endorsement for contractual relationships Umbrella and excess limits to extend primary liability capacity Property and auto coverage (subject to underwriting restrictions) Abuse & molestation coverage — available where admitted These options help agents tailor policies for multi-location programs, mobile in-home services, and organizations that rely on volunteers or subcontractors. Underwriting Notes and Minimum Premiums Underwriting emphasizes the operational controls that reduce liability exposures: staff training and credentials, documented treatment plans, background checks, supervisory ratios, and client intake/consent procedures. Common factors that affect pricing and acceptability include the types of services provided, frequency of in-home work, staff composition (W-2 employees vs. contractors), and prior loss history. Minimum premiums and final terms vary by state, carrier, and selected coverages. AFC works directly with agents to identify the optimal carrier within their panel and structure limits and endorsements to match the client’s risk profile and budget. Territories and Availability The program is available in most U.S. jurisdictions. AFC currently offers this product in 49 states plus Washington, DC. Availability and specific coverage features can vary by state, so confirm state eligibility and any local restrictions when submitting a referral. Why Work With AFC Insurance Inc. AFC brings focused underwriting experience in the human and social services sector and access to admitted markets that prefer specialty program business. As a program administrator, AFC can tailor package solutions, place complex or multi-location accounts, and provide agent support through underwriting consultation and flexible endorsements. Example placements that fit well: you might have a mid-sized private autism therapy center operating from several leased locations that needs both professional liability and umbrella limits; or a nonprofit special education school relying on volunteers and contracted therapists that requires volunteer-insured endorsements and abuse & molestation coverage. Frequently Asked Questions What types of accounts are a good fit for this program?Autism therapy providers, special education schools, and nonprofit organizations offering autism-related services are ideal fits. Is this program available on an admitted basis?Yes, the program is offered on an admitted basis in most states. Are volunteers and independent contractors covered?Yes, volunteers and independent contractors can be included as insureds through available coverage endorsements. What coverages are typically included in the program?The program includes general liability, professional liability, property, auto (with some restrictions), umbrella, and abuse & molestation coverage, along with optional enhancements. In which states is this program available?The program is available in 49 states plus Washington, DC. Contact AFC Insurance Inc. for availability in specific states. Need help placing an account? Connect with a market specialist.