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J.M. Wilson offers a broad appetite for Miscellaneous Bonds, helping agents and brokers place hard-to-fit accounts quickly and reliably. Whether your client needs a common bond type or a more specialized form, our experienced bond department provides fast quotes and flexible underwriting solutions tailored to the surety market. Ideal Classes for Miscellaneous Bonds Motor Vehicle Dealer Bonds Lost Securities Bonds Mortgage Broker Bonds Tax Bonds License & Permit Bonds Fidelity Bonds Fiduciary and Court Bonds Lottery Bonds Public Official Bonds Wage & Welfare Bonds Why Agents Choose J.M. Wilson for Miscellaneous Bonds Competitive pricing consistent with industry standards Fast quote turnaround—typically 24–48 hours for complete submissions Willing to consider difficult-to-place or non-standard risks Access to both standard and non-standard surety carriers All represented markets are “A” rated Flexible submission process—we review applications originally prepared for other surety markets Typical examples you may place through J.M. Wilson include a new auto dealer who needs a Motor Vehicle Dealer Bond to complete licensing, or a business that lost a stock certificate and requires a Lost Securities Bond. Our underwriting team and market relationships let you pursue both routine bonds and more specialized placements that other markets may decline. In addition to Miscellaneous Bonds, our Surety team can assist with Contract Bonds and SBA bond programs. Territory and Market Access J.M. Wilson provides Miscellaneous Bonds in the following states: AL, AR, FL, GA, IL, IN, IA, KS, KY, ME, MI, MN, MS, MO, NE, NH, NC, OH, OK, PA, SC, TN, VT, VA, WV, and WI. As a Managing General Agency and Excess & Surplus Lines Broker, we represent multiple carriers—both admitted and non-admitted—allowing us to address a broad range of bond needs and place accounts that require non-standard market solutions. Frequently Asked Questions What types of accounts are a good fit for this Miscellaneous Bonds program?We can help you place standard and hard-to-place accounts including motor vehicle dealers, mortgage brokers, public officials, lost securities, and other specialty license or fidelity bonds. Can you handle difficult or non-standard bond submissions?Yes. We specialize in difficult-to-place risks and have market access to both standard and non-standard surety carriers to find solutions for unusual exposures. What is the typical turnaround time for quotes?For a complete submission we typically provide quotes within 24–48 hours; more complex or incomplete submissions may require additional underwriting time. Do you require J.M. Wilson-specific applications?No. We will review applications prepared for other surety markets—our goal is to make the submission process flexible for brokers and their insureds. What states is this program available in?This program is available in AL, AR, FL, GA, IL, IN, IA, KS, KY, ME, MI, MN, MS, MO, NE, NH, NC, OH, OK, PA, SC, TN, VT, VA, WV, and WI. Need help placing an account? Connect with a market specialist.

Underwriting Solutions of America, Inc Are you frustrated with PEO or self-insured placements that leave your clients exposed to hidden fees, lost mods, or poor service? Underwriting Solutions of America (USA), a division of All Insurance Underwriters, Inc., offers a better way. As a trusted and preferred PEO vendor for insurance agencies nationwide, USA specializes in PEO/Employee Leasing Programs designed to simplify workers' comp placement, especially for high-risk or hard-to-place classes. Our programs are built with transparency, flexibility, and agent support at their core—making us a go-to partner for agencies looking to deliver long-term value to their clients. Ideal Accounts and Appetite Our PEO program is tailored for accounts that traditional markets shy away from. We welcome: High-risk industries such as roofing, steel erection, bridge construction, logging, and trucking High experience mods (no mod is too high—we specialize in mods over 1.35) Unique or tough class codes that often require creative solutions Staffing companies and labor-intensive businesses USL&H exposures and other complex risks If it's tough to place, it's a great fit for us. Coverage Highlights and Advantages No upfront or audit premiums – Reduce client frustration with unexpected costs “Pay-as-you-go” billing – Improves cash flow and simplifies administration Little to no money down – Ideal for businesses with tight budgets Fast and easy start-up – Get your clients covered quickly Guaranteed cost and deductible options – From as low as $500 per occurrence to $1 million layers Creative deductible programs – Flexible structures to meet your client's needs Residual commissions – Above industry average for agency partners Underwriting Notes and Minimum Premiums Programs are typically written on Multiple Coordinated Policies (MCP) and report to the bureau biannually. All costs are disclosed transparently at the time of quoting—no surprises. Our underwriting approach is common sense-driven, with a focus on educating the insured to reduce losses and improve mod scores over time. Minimum premiums vary by risk and state. Territories and Availability Our PEO programs are available in all 50 states, including DC. Whether your client is located in California, Texas, Florida, or a smaller market like Vermont or North Dakota, we’ve got you covered. Most programs are written on a non-admitted basis, depending on state regulations and class of business. Why Work With All Insurance Underwriters, Inc. Underwriting Solutions of America works hand-in-hand with agents and brokers throughout the quoting, onboarding, and servicing process. Our partners value our responsiveness, transparency, and ability to place accounts that other markets won’t touch. Whether you're placing a start-up roofer or a multi-state trucking operation with high losses, we bring deep expertise and competitive options. Click on our USA Partner Agreement or call today to work with a team that combines underwriting precision with real-world solutions. Currently operating in all states For more information on competitive quotes and details about Underwriting Solutions of America, please visit www.usa4insurance.com Frequently Asked Questions What types of accounts are a good fit for this PEO program?This program is ideal for high-risk industries, high experience mods, tough class codes, and businesses declined by standard markets. Can I place accounts in any state?Yes, this program is available in all 50 states and the District of Columbia, subject to state-specific regulations. What deductible options are available?We offer flexible deductible structures—from guaranteed cost to $500 per occurrence and up to $1 million layers, depending on the account. Are there any upfront premium requirements?No, our PEO program does not require upfront or audit premiums, and most accounts can start with little to no money down. How involved is your team during the onboarding process?Our team works closely with your agency throughout quoting, enrollment, and servicing to ensure a smooth and successful placement. 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.

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