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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.

DID YOU KNOW THAT OVER 1 MILLION PEOPLE BUY INSURANCE TO DRIVE TO MEXICO EACH YEAR? Each year more than one million U.S.-based Hispanics travel to Mexico to visit family and friends, and Snowbird Season brings additional retirees and seasonal travelers heading south to escape colder weather. This creates a clear revenue opportunity for your agency. Mexico Insurance Online Professionals offers Mexico auto insurance products designed for this growing, underserved market—so you can capture business from short trips to extended stays. ENTER THIS EMERGING HISPANIC & BABY BOOMER MARKET. www.MexicoInsuranceOnline.com Overview of the Mexico Insurance Online Program Mexico Insurance Online Professionals provides a fast, profitable platform for agents to issue Mexico auto insurance policies in minutes. Through our streamlined portal you gain access to up to four top-rated Mexican insurers, letting you quote and bind coverage in five minutes or less. Ideal Clients and Market Appetite This program fits U.S.-based drivers who will be operating vehicles in Mexico, including: Hispanic families traveling for holidays and family visits Snowbirds and retirees spending months in Mexico Vacationers, RV owners, and cross-border travelers Coverage is available for a range of trip lengths and vehicle types, from short vacations to extended seasonal stays. Coverage Advantages and Agent Benefits Competitive compensation: Agents earn a strong commission split plus policy fees when they place business through our platform. Simple online platform: Issue policies quickly via the agent portal or place our affiliate link on your website for customer self-service while retaining full commission credit. Top-rated carriers: We place business with financially sound Mexican insurers rated “Excellent” or “Good” by A.M. Best, including Grupo Nacional Provincial, ABA Seguros, HDI Seguros, and ACE Seguros. Underwriting and Getting Started There is no upfront investment or mandatory training. Sign up, add your affiliate link to your site, and begin placing business. Our site is built for speed so agents can issue a Mexico policy in minutes. As with any cross-border placement, we recommend reviewing the carrier A.M. Best ratings and financial strength before binding. Our program only includes carriers that meet high financial standards. Available States This program is available to licensed agents in all 50 states and the District of Columbia. Whether your agency is in California, Texas, Florida, or elsewhere, you can offer Mexico auto coverage to clients nationwide who plan to drive into Mexico. Partner With Mexico Insurance Online Professionals As a Managing General Agency and E&S broker with deep experience in cross-border auto risks, Mexico Insurance Online Professionals gives agents access to competitive markets, top-rated carriers, and a user-friendly platform to grow non-standard and seasonal business with minimal effort. SIGN UP TODAY!! 1-888-467-4639 Or visit www.MexicoInsuranceOnline.com Frequently Asked Questions What types of accounts are a good fit for this program?U.S. residents who plan to drive into Mexico for vacations, family visits, or extended seasonal stays are an excellent fit—particularly Hispanic families and retirees looking for short-term or multi-month coverage. How do agents issue a Mexico auto insurance policy?Agents can log in to the Mexico Insurance Online portal and issue a policy in under five minutes. You can also place a custom affiliate link on your website so customers can self-serve while you retain commission credit. Are the insurance carriers financially stable?Yes. All carriers in the program are rated “Excellent” or “Good” by A.M. Best and meet strict financial stability standards. Is there a cost to join or sell through this program?No. There is no upfront investment required. Agents can start placing business immediately after signing up and sharing their affiliate link. In which states is this program available?Mexico Insurance Online is available to licensed agents in all 50 U.S. states and the District of Columbia. Need help placing an account? Connect with a market specialist.

Monarch Partners Group LLC (MPG) is a program administrator with more than 25 years placing standard and alternative-market workers’ compensation solutions nationwide. For independent agents and brokers who need competitive options for high-risk or hard-to-place manufacturing accounts, MPG’s Manufacturing Workers' Compensation Insurance Program delivers tailored underwriting, flexible structures, and quick placement. Overview of the Program From Monarch Partners Group MPG’s Manufacturing Workers' Compensation Insurance Program is built for manufacturers who struggle to secure coverage in traditional markets—including accounts with elevated experience mods, adverse loss histories, or high-rate class codes. A signature feature is the Payroll Opt-out Work Comp Program (POWC), which lets qualifying risks retain their own payroll and tax operations while accessing MPG’s master policy pricing and services. Ideal Accounts and Appetite This program is a fit when you’re placing: Mid-size to large manufacturers targeting $50,000+ in annual premium Accounts with high-debit Xmods or a history of claims Risks with higher-cost manufacturing class codes Clients who need flexible payroll solutions or pay-as-you-go billing New ventures or accounts returning after a lapse in coverage Example: you might have a manufacturer with a $100,000 projected premium and an Xmod of 1.5 that traditional carriers are declining. MPG’s program — especially the POWC structure — can often provide competitive placement where admitted markets fall short. Coverage Highlights and Advantages MPG’s manufacturing program gives agents access to features that help place difficult risks: Placement with “A”-rated carriers where available Broad class code acceptance and nationwide availability Payroll Opt-out (POWC) structure for clients who want to keep payroll and tax control Pay-as-you-go premium options to improve client cash flow Both guaranteed cost and deductible plan structures No automatic Xmod or loss ratio exclusions—cases are reviewed on their merits Support for mid-term placements and new business startups Optional bundled services such as HR tools and payroll processing With POWC, larger employers can issue payroll from their own accounts and minimize employee paperwork while benefiting from MPG’s master policy rates and loss-control resources. Underwriting Notes and Minimum Premiums Minimum premium for the POWC structure is $100,000. Typical submission requirements include: Completed ACORD 130 Three years of currently valued loss runs Current policy declarations or applicable PEO rates Experience mod worksheet (Xmod) Any relevant supplemental information (safety programs, return-to-work policies, etc.) Underwriting is case-by-case. MPG’s team reviews large or complex manufacturing risks with a flexible approach—provide complete submissions to speed quoting. Territories and Availability MPG’s Manufacturing Workers’ Compensation Program is available nationwide, including all 50 states and DC. Coverage availability and admitted/non-admitted placement can vary by state and case characteristics; discuss specific state requirements with your MPG market specialist. Why Work With Monarch Partners Group Monarch Partners Group stands out for deep underwriting experience in difficult placements, fast turnaround, and strong carrier relationships. Agents benefit from direct access to MPG’s in-house underwriters, practical risk-management tools, and flexible program structures designed for manufacturing exposures. If you’re facing a large or distressed manufacturing account that’s hard to place, MPG offers a realistic alternative to standard markets. Frequently Asked Questions What types of manufacturing accounts are a good fit for this program?Mid-to-large manufacturers with $50,000+ in premium, elevated Xmods, difficult class codes, prior losses, or coverage gaps are the primary targets. What is the Payroll Opt-out Work Comp Program (POWC)?POWC lets qualifying employers remain on their own payroll and tax systems while accessing MPG’s master workers’ compensation policy pricing and services. Is pay-as-you-go premium billing available?Yes. MPG offers pay-as-you-go options to help clients manage cash flow and avoid large upfront premium payments. Are new ventures eligible for this program?Yes. New manufacturing ventures can be eligible if they meet underwriting criteria and provide the requested supporting information. How fast can I get a quote?MPG aims for quick turnaround when full submission documents are provided—complete ACORDs, loss runs, and Xmod worksheets accelerate the quote process. Need help placing an account? Connect with a market specialist.

... High Deductible and Retroactive Plans available Dividend or Return of P...

For nearly two decades, U.S. Risk Insurance Group, Inc. has served agents and brokers as a leading excess & surplus lines broker for staffing insurance through its focused StaffPak program. Built specifically for the exposures common to staffing, PEOs, and contract placement businesses, StaffPak provides tailored underwriting, a broad suite of coverages, and access to specialty markets for complex or multistate placements. Ideal Accounts and Appetite The StaffPak program is designed for a wide range of staffing-related operations, including: Professional Employer Organizations (PEOs) — package or stand-alone Workers’ Compensation Temporary and contingent staffing firms Vendor Management Services (VMS) Contract placement agencies StaffPak is especially useful when a client places employees across multiple industries or states and needs flexible, coordinated solutions for liability, employment practices, and professional exposures. Preferred accounts typically have clear placement controls, documented risk management procedures, and reasonable loss histories. The program will consider small-to-mid-sized operations as well as larger staffing firms that require customized terms. Coverage Highlights and Advantages StaffPak offers a broad set of coverages to address the layered exposures staffing firms face: Workers’ Compensation Employment Practices Liability Insurance (EPLI) General Liability Directors & Officers (D&O) Excess Liability Staffing Services Errors & Omissions (E&O) Medical E&O Crime Property Auto Liability Fiduciary Liability You can package key lines to create a coordinated program that reduces coverage gaps for clients that operate in multiple states or place workers in varied exposures such as healthcare, light industrial, professional services, and clerical roles. Underwriting Notes and Minimum Premiums Most markets used in StaffPak are non-admitted, which gives U.S. Risk flexibility to tailor terms and broaden capacity for harder-to-place risks. Minimum premiums and specific guidelines vary by carrier and coverage line. To expedite review, include a completed application, recent loss runs, payroll/placement details, and a summary of any formal risk management practices when you submit. Typical appetite notes: Prefer accounts with documented screening, placement controls, and return-to-work programs. Will consider multistate risks and clients with mixed industry placements. Limited capacity for accounts with significant unresolved loss activity or minimal controls. Example scenarios that fit StaffPak: A regional PEO that co-employs clients’ staff across several states and needs a combined WC/EPLI/D&O program. A temporary staffing firm that places healthcare and light-industrial workers and requires staffing E&O plus medical E&O and excess limits. Territories and Availability StaffPak is available in most U.S. states. U.S. Risk writes in all states except those with significant regulatory hurdles and will consider risks in the following jurisdictions: 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 U.S. Risk on Staffing Insurance As an experienced excess & surplus lines broker, U.S. Risk places StaffPak business with specialty carriers including Certain Underwriters at Lloyd’s, Arch, and Chartis. The StaffPak underwriting team brings nearly 20 years of focused experience in the staffing sector, providing agents with market access, targeted coverage language, and practical placement solutions that generalist programs may not offer. Whether you’re submitting a start-up temp agency, a multi-state PEO, or a specialized contract placement firm, U.S. Risk’s StaffPak program offers the markets and underwriting expertise to help you build a competitive, well-coordinated insurance package for your client. Need help placing an account? Connect with a market specialist. Frequently Asked Questions What types of accounts are a good fit for the StaffPak program?The program targets PEOs, temporary staffing firms, contract placement agencies, and vendor management services. It’s best for operations with multiple placements, multistate activity, or evolving liability exposures that need coordinated coverage. What coverages are included in the staffing insurance program?StaffPak provides a broad suite of coverages including Workers’ Compensation, General Liability, EPLI, D&O, Crime, Property, Auto Liability, and both Staffing and Medical E&O, plus excess options to increase limits. Is the program available in all states?StaffPak is available in most U.S. states. U.S. Risk writes in nearly all 50 states, including CA, TX, FL, NY, and IL, with limited exceptions based on regulatory restrictions. Do you require a minimum premium?Minimum premiums vary by coverage line and account size. Contact U.S. Risk for underwriting guidelines and minimums specific to your submission. What carriers back the StaffPak program?U.S. Risk places StaffPak business through specialty markets such as Certain Underwriters at Lloyd’s, Arch, and Chartis to provide financial strength and flexible terms.