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CareOptions Analytics™ Program- CAP CareOptions Analytics™ Program- CAP™- is a tactical software application that powerfully demonstrates and illustrates the costs associated with countless variations of client-specific short & long term disability, accident, illness, caregiving, and long-term care related issues. CAP™ provides a wide-array of solutions for your individual or group clients. CAP™ is easily loaded on your laptop or PC, and with the exception of activation and quarterly updates, requires no internet connection to fully operate. It’s completely portable and can be used anywhere! CAP™ consists of intelligent programs that will compute and illustrate: Cost of Care by Region CLASS Contribution Illustrates the reimbursements and deficiencies of the new CLASS benefit program for any care and progression of care scenario Comparison of Care Costs by Region Progression of Care Family Care Costs Income Reductions Loss of Income Income Replacement Retirement Planning Employer Costs of Lost Productivity COOL™ Solutions CAP™ does all of this without the need to research or look-up cost data, interest or inflation information – this is all built in, and kept up-to-date for you – specific to every region in the US! What Can CAP™ Do for You? CAP™ provides robust functions that act as compelling personal calls to action for your prospects & clients: Zeros-in on the “need” with your prospects and clients own numbers and presents an accurate financial outcome Establishes instant credibility Educates your prospects and clients with detailed information presented in a way they have never seen before Spotlights the need for preservation and protection of personal assets and income Inspires an immediate and critical need for your services, insurance and/or financial products Illuminates professional distinctiveness in a market lacking noteworthy differentiation CAP™ is both user-friendly, yet sophisticated software that provides all the information YOU need with minimal user input. CAP™ contains all the data needed for results ranging from simple to highly customized. Anyone can use CAP™ with ease, and you can tailor your assumptions to be as detailed as you like. Each CAP™ program permits you to view, right from your laptop or PC screen, easy-to-understand results, graphs, and reports for every client. These reports can be conveniently saved and emailed, faxed, printed, sent to your clients, or used as an on-the-spot visual aid. Demonstrate these appealing visuals in seminars and group settings for an attention- grabbing, professional presentation.

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Limits Available Directors & Officers and Employment Practices $5,000,000 limit available Business Owners Package for Homeowners Associations under 100 Units General Liability - $2,000,000/$4,000,000 Property - $300,000 blanket coverage available (excluding buildings) Preferred Classes Residential Condominiums Associations Homeowners Associations Retail Associations Cooperatives Property Owner Associations Dock Associations Office/Industrial Parks Mobile Home Parks Planned Unit Developments Restricted Classes Master Associations Rental Associations Condo-Hotels Timeshares Overview of the Program from Advanced E&S Group – Southeast Region Advanced E&S Group – Southeast Region offers a specialized COMMUNITY ASSOCIATIONS D&O/EPLI Insurance program tailored for agents and brokers seeking reliable markets for residential and commercial associations. This solution is designed to address the unique management liability exposures faced by boards and officers of community associations, including wrongful acts, employment issues, and governance-related claims. With access to multiple carriers and deep experience in the community association space, Advanced E&S Group provides flexibility, competitive limits, and underwriting insight to help you successfully place your clients' risks. Ideal Accounts and Appetite This program is best suited for established and well-managed community associations. Preferred classes include: Residential Condominium Associations Homeowners Associations (HOAs) Retail and Property Owner Associations Cooperatives and Dock Associations Office and Industrial Parks Mobile Home Parks Planned Unit Developments For example, you might have a client managing a 75-unit condominium in a coastal state with a solid HOA board and no recent claims history—this would be a strong fit for the program. Coverage Highlights and Advantages D&O and EPLI Limits: Up to $5,000,000 available for Directors & Officers and Employment Practices Liability. Business Owners Package: Available for HOAs under 100 units and includes: General Liability: $2,000,000 per occurrence / $4,000,000 aggregate Property: Blanket coverage up to $300,000 (excluding buildings) This comprehensive structure allows agents to provide layered protection for boards of directors, employees, and volunteers within associations, all in one streamlined package. Underwriting Notes and Minimum Premiums The program is written on a non-admitted basis through various carriers. Minimum premiums vary by risk size, location, and coverage selected. Underwriting is flexible but focuses on associations with good governance and a clean loss history. Restricted classes include: Master Associations Rental Associations Condo-Hotels Timeshares Associations with frequent tenant turnover or vacation-rental exposure may fall outside the appetite. Territories and Availability The COMMUNITY ASSOCIATIONS D&O/EPLI Insurance program is available in most U.S. states, including but not limited to FL, TX, CA, GA, NY, and NC. Coverage is currently offered in all states except those requiring admitted-only markets. Availability includes DC and all 50 states. Why Work With Advanced E&S Group? Advanced E&S Group is a trusted Managing General Agency with deep expertise in community association risks. Their Southeast Region team understands the nuances of local and regional exposures and works closely with agents to tailor solutions that meet the specific needs of each association. With access to a broad range of carriers, they provide flexible solutions, responsive service, and underwriting support that helps agents win and retain business in this niche space. Frequently Asked Questions What types of accounts are a good fit for this program?The program is ideal for residential condominium associations, HOAs, mobile home parks, and planned unit developments with good governance and minimal loss history. Are business owners packages available for smaller associations?Yes, BOP coverage is available for homeowners associations with fewer than 100 units, including general liability and property coverage (excluding buildings). Is this program admitted or non-admitted?This program is written on a non-admitted basis through various carriers, allowing greater flexibility in coverage and underwriting. Which states is the program available in?The program is available nationwide, including DC and all 50 states, subject to eligibility and underwriting requirements. What are some restricted classes?Restricted classes include master associations, rental associations, condo-hotels, and timeshares. Need help placing an account? Connect with a market specialist.

Private Special Events Insurance Program from R.V. Nuccio & Associates, Inc. R.V. Nuccio & Associates, Inc. offers a specialized insurance solution for private special events through its Celebrationsurance® program. Designed for clients hosting significant life events, this package policy helps protect against financial losses due to unforeseen circumstances. Whether your insured is planning a wedding, anniversary celebration, milestone birthday, or religious ceremony, this program offers comprehensive protection tailored to the unique needs of special private events. Ideal Accounts and Appetite This program is ideal for agents working with individuals who are organizing private, non-commercial events with a substantial financial investment. Target events include: Weddings and Engagement Parties Anniversaries Bar/Bat Mitzvahs Baby Showers and Baptisms Birthday and Retirement Celebrations Other one-time, private special occasions Accounts that typically fit well include clients who are renting venues, hiring vendors, or incurring significant expenses for catering, photography, and entertainment. This program is not intended for recurring or commercial events such as festivals, concerts, or corporate gatherings. Coverage Highlights and Advantages Celebrationsurance® is a package policy that includes a wide range of coverages to address the most common exposures associated with private events. Available coverages include: Cancellation or Postponement – Reimburses non-refundable deposits if the event is canceled or delayed due to covered reasons. Additional Expense – Covers extra costs incurred to avoid cancellation or to minimize loss. Photographs and Video – Protects against loss or damage to professional photography and videography services. Gifts – Provides coverage for stolen or damaged gifts. Rented Property – Insures rented items such as tables, chairs, and decorations. Special Attire – Covers loss or damage to event-specific clothing, such as wedding dresses or tuxedos. Jewelry – Protects special event-related jewelry from loss or theft. Personal Liability – Provides liability protection for bodily injury or property damage to third parties. Medical Payments – Covers medical expenses for guests injured during the event. This coverage package provides peace of mind to your clients while giving you a turnkey solution for their event insurance needs. Underwriting Notes and Minimum Premiums R.V. Nuccio & Associates, Inc. offers streamlined underwriting for this program, with flexible options tailored to the event size and risk profile. While minimum premiums may vary depending on the event type and selected coverages, the program is competitively priced to meet the needs of most private event clients. Territories and Availability This program is available in all 50 states and Washington, D.C., offering broad geographic access for your clients. The coverage is written on an admitted basis through Firemans Fund Insurance Companies, providing added confidence in policy stability and regulatory compliance. Why Work With R.V. Nuccio & Associates, Inc.? As a Managing General Agency with niche expertise in event insurance, R.V. Nuccio & Associates, Inc. offers agents a user-friendly program backed by deep market knowledge. The firm has built its reputation on responsive service, quick turnaround, and a commitment to helping agents serve clients planning some of the most important days of their lives. Whether you're placing a single wedding or supporting a client with multiple family celebrations, R.V. Nuccio & Associates is a reliable partner for private event insurance. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include individuals hosting private, one-time events such as weddings, anniversaries, bar/bat mitzvahs, birthday parties, and baby showers with significant financial investments. Is this program available in all states?Yes, the Private Special Events program is available in all 50 states and Washington, D.C. What carrier underwrites this program?The coverage is underwritten by Firemans Fund Insurance Companies on an admitted basis. Can this policy cover event cancellation due to unforeseen circumstances?Yes, the policy includes coverage for cancellation or postponement due to covered events such as severe weather, illness, or vendor bankruptcy. Does the policy include liability coverage for the event?Yes, Personal Liability and Medical Payments are included to protect against third-party bodily injury or property damage during the event. Need help placing an account? Connect with a market specialist.

Novatae Risk Group specializes in Wrap-Up programs designed for project-specific General Insurance needs. A Wrap-Up consolidates coverage normally placed separately by owners, general contractors and subcontractors into a single, coordinated policy — reducing coverage gaps, minimizing conflicts between carriers during claim resolution, and supporting consistent safety and loss-control practices. The three core benefits of a Wrap-Up policy are Coverage, Control and Cost Savings. Wrap-Up programs are offered in two primary forms: Owner-Controlled (OCIP) and Contractor-Controlled (CCIP). Both types allow the project owner or prime contractor to spread risk among participants while providing a single insurance platform and coordinated safety program for everyone working on the project. *No two Wrap-Up policies are identical. Contact our office with questions about a specific project or to review a submission. Premiums have softened since the peak of the construction cycle, making now an attractive time for owners and contractors to consider Wrap-Up programs to better manage risk and control project insurance costs. Appetite: Residential tract developments, commercial projects, condos, townhomes, apartments and high-rise construction Program Highlights: Access to markets rated from A-VII to A-XV by AM Best (Non-Admitted AXV carrier) Typical Limits: $1M/$2M/$2M and higher available Builder/GC required to provide 3+ years of loss runs Minimum Premium: Starting at $25,000+ Minimum Deductibles: Typically start at $10,000 (BI/PD) Defense – Inside Blanket Additional Insured, Primary status, Waiver of Subrogation Subsidence coverage available subject to underwriting approval Requires PWC* warranty and formal Wrap administration (PWC warranty placed with a Zurich company) Underwriting Notes and Placement Guidelines This program is tailored for larger single-project placements or programs where consolidating multiple contractors under one policy delivers measurable cost and control benefits. Please expect standard Wrap submission requirements: complete project description, list of contractors and subcontractors, payroll and contract values, safety program documentation, and loss runs for the builder/GC (3+ years preferred). Minimum premiums and deductibles reflect the consolidated exposure profile of wrap-up placements. Limits, retentions and specific coverages (including subsidence or other project-specific endorsements) are set on a project-by-project basis by underwriting. Territories & Availability This Wrap-Up program is offered through a non-admitted AXV market and is available in the following states: AL, AK, AZ, CA, CO, CT, FL, GA, IL, KY, LA, MN, MS, MO, NV, NJ, NM, NY, NC, PA, SC, TN, TX, UT, VA, WV, WI. Availability may vary by state and by the specifics of the project; underwriters will confirm admissibility and any state-specific requirements during the submission review. Why Place Wrap-Up Business with Novatae Risk Group Specialized underwriting and program administration experience placing project-based Wrap-Up policies. Access to excess & surplus (E&S) capacity where needed for large or complex construction programs. Emphasis on coordinated safety and loss control to help lower claims friction and overall project costs. Responsive underwriting and experienced wrap administration partners, including PWC warranty placement relationships. Do you need a Wrap-Up Coverage 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 projects are a good fit for this Wrap-Up program?This program targets medium-to-large construction projects such as residential tract developments, multifamily (townhomes, apartments, high-rises), commercial developments and condominium projects where consolidating contractor coverage delivers administrative and cost efficiencies. What are the key underwriting minimums and documentation requirements?Underwriting typically requires 3+ years of loss runs for the builder/GC, a complete subcontractor schedule, estimated payrolls and contract values, a project safety plan, and confirmation of required warranties and wrap administration. Minimum premiums generally begin around $25,000 and deductibles commonly start at $10,000 for BI/PD. Is this an admitted program?No. This Wrap-Up offering is placed in the excess & surplus (non-admitted) market through a Non-Admitted AXV carrier. Availability is state-dependent; underwriters will confirm placement options for each project. What submission items help speed up placement?Provide a clear project summary (scope, schedule, location), GC and major subcontractor loss runs, estimated payrolls/values, the proposed list of participating contractors, and any existing safety or loss-control reports. Including a proposed wrap administration plan and confirmation of PWC warranty intent helps underwriters finalize terms faster. Need help placing an account? Connect with a market specialist.

...r value reporting, monthly payment plans, retention options, or large deductib...re there options for flexible payment plans?Yes, larger accounts may qualify f...

...ement, and basic incident response plans are preferred. Extremely large enterp...