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MexiHome PLUS Program — Insurance for U.S. Homeowners in Mexico The MexiHome PLUS Program from MexiPass International Insurance Services provides a tailored homeowners solution for U.S. residents who own vacation or secondary homes in Mexico. Built to mirror the broad protection of U.S. HO-5 forms, this program gives agents access to comprehensive coverage backed by AIG – Mexico. Overview for Agents and Brokers This program is designed for independent agents and brokers placing personal lines homeowners risks for clients who live in the U.S. but own property in Mexico. MexiPass acts as the managing general agency, coordinating placement and underwriting through AIG – Mexico on a non-admitted basis to allow flexible terms for cross-border exposures. Ideal Accounts and Appetite MexiHome PLUS is a strong option when you need HO-5–style protection for: Private vacation homes and second residences Single-family houses, condos, beachfront villas, and mountain properties Owners who use the property solely for personal use (non-commercial) Accounts involving rental income, short-term rentals (e.g., frequent Airbnb use), commercial activities, or unusual exposures will typically require additional underwriting review and documentation. Coverage Highlights and Advantages The program delivers broad-form protection similar to HO-5 policies and addresses perils common to Mexican territories, including coastal and seismic risks. Key coverages include: Property Coverage: Dwelling, other structures, personal contents, and loss of use. Liability: Personal liability within Mexico and medical payments for visitors. Catastrophic Perils: Coverage for earthquake, volcanic eruption, flood, and tidal wave where applicable. Scheduled Valuables: Ability to schedule high-value items such as jewelry, artwork, and collectibles. Homeowners Assistance Services: Emergency plumbing, locksmith, and plate glass replacement services are available to help manage small urgent losses. These features help your clients manage both everyday loss exposures and larger natural catastrophe risks that affect certain regions of Mexico. Underwriting Notes MexiPass places MexiHome PLUS on a non-admitted basis through AIG – Mexico, which offers flexibility for cross-border placements. Because terms are underwritten in Mexico, expect tailored wording and capacity considerations specific to each risk. Brokers should be prepared to provide: Detailed property information and recent photos Occupancy and use details (primary vs. seasonal use) Any history of prior claims or loss mitigation measures For borderline or complex risks, reach out to MexiPass underwriting for eligibility guidance and documentation requirements. Territories and Availability The MexiHome PLUS Program is available to agents and brokers licensed in the following states: 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 MexiPass? MexiPass International Insurance Services is a managing general agency focused on cross-border placements for U.S. clients with interests in Mexico. Working with MexiPass gives you: Access to AIG – Mexico capacity and tailored policy forms Underwriting expertise in Mexican property and coastal/seismic risks Support placing non-admitted, flexible solutions when admitted options are limited Guidance through documentation and submission requirements to streamline placement Example scenarios you might place here: a U.S. homeowner buying a beachfront condo in Baja who wants HO-5 level contents and liability protection, or a client with a second home in San Miguel de Allende seeking scheduled coverage for high-value artwork and earthquake protection. Whether your client is purchasing a new vacation home or upgrading an existing Mexico policy, MexiPass can help you secure comprehensive coverage and underwriting support. Frequently Asked Questions What types of accounts are a good fit for the MexiHome PLUS Program?This program is ideal for U.S.-based clients who own personal-use vacation or secondary homes in Mexico, including villas, condos, and single-family residences. Is the MexiHome PLUS Program admitted in any states?No. MexiHome PLUS is placed on a non-admitted basis through AIG – Mexico, allowing more flexible underwriting and customized policy terms for cross-border risks. Does the program include coverage for natural disasters?Yes. The program includes protection for catastrophic perils such as earthquake, volcanic eruption, flood, and tidal wave where those perils are applicable to the property location. Can clients schedule valuable personal property?Yes. High-value items like jewelry, artwork, and collectibles can be scheduled to provide broader limits and specified coverage. What support does MexiPass provide to agents?MexiPass offers specialized underwriting support, experienced cross-border placement guidance, and assistance with documentation to help you move submissions through underwriting efficiently. Need help placing an account? Connect with a market specialist.

Snowmobiles offer exhilarating outdoor experiences, but they also come with serious risks—including accidents, injuries, and liability claims. Whether your client operates a snowmobile rental business, leads guided tours, or teaches snowmobile operation, ensuring they have the right insurance protection is essential. Prime Insurance Company, through XINSURANCE, provides a flexible and customized Snowmobile Insurance program designed to address the unique liabilities associated with snowmobile operations. This program is available on a non-admitted basis in all 50 states plus DC, giving you wide-reaching market access with underwriting flexibility. Ideal Accounts and Appetite This program is tailored for both individual operators and commercial snowmobile businesses, including: • Snowmobile rental companies • Guided snowmobile tour providers • Snowmobile instructors and trainers • Outdoor adventure operators that include snowmobiles in their offerings • Seasonal businesses operating in winter resort areas If you have a client who offers snowmobile rentals at a ski resort or runs backcountry snowmobile tours, this program is built to help you place that business—even if the risk is viewed as challenging due to prior losses or complex exposures. Coverage Highlights and Advantages XINSURANCE specializes in high-risk and hard-to-place accounts. The Snowmobile Insurance program includes a range of coverages that can be tailored to your client’s needs: • Excess Medical • Professional Liability • Inland Marine • Physical Damage • Commercial General Liability • Alleged Assault and Battery Liability • Alleged Sexual Abuse and Molestation Liability • Premises Liability Coverage is available regardless of claims history or business size. Each policy is custom-built to match the specific exposures and operations of your client. Underwriting Notes This is a non-admitted program written through Evolution Insurance Brokers, LC (EIB), operating under the XINSURANCE brand. There is no standard minimum premium listed, allowing underwriting flexibility based on risk size, operations, and claims history. Policies are crafted after a thorough review of the insured’s operations, making this program ideal for unique, non-standard, or high-risk accounts that may not fit traditional markets. Territories and Availability Prime Insurance Company offers this program nationwide, including all 50 states and Washington, DC. Whether your client operates in snowy mountain regions, rural backcountry, or seasonal resort towns, this program is accessible and adaptable to varying geographic needs. Why Work With Prime Insurance Company? XINSURANCE, powered by Prime Insurance Company, has deep experience insuring high-risk recreational and outdoor activities. Their hands-on underwriting approach allows for customized solutions where others may decline coverage. You'll benefit from: • Broad underwriting appetite • Customized, scenario-based coverage • Ability to write accounts with prior losses • Access to specialty liability coverages not typically available in standard markets If you're struggling to place snowmobile-related risks or need a partner who can handle tough accounts, Prime Insurance Company delivers solutions that go beyond standard offerings. We are here to help all snowmobile operations and can answer any questions you and your client may have. Reach out to us today! DISCLAIMER: XINSURANCE is powered by Evolution Insurance Brokers, LC (“EIB”), an excess and surplus line insurance brokerage. XINSURANCE is a DBA of EIB, which is domiciled in and has its principal place of business in Sandy, Utah (NPN 5464658). The licensed brokers for EIB are: Rick J. Lindsey (all states except CA) (NPN 91653) & Mike Fennell (only CA) (NPN 1435429). Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for snowmobile rental operators, guided tour providers, instructors, and other commercial snowmobile businesses—especially those considered high-risk or hard-to-place. Can I place accounts with prior claims or losses?Yes. Prime Insurance Company reviews each submission individually and is willing to consider accounts with prior loss history, provided there is a clear understanding of the operations and risk management practices. Is this program available in all states?Yes. The Snowmobile Insurance program is available on a non-admitted basis in all 50 states and Washington, DC. What coverages are available under this program?Available coverages include General Liability, Physical Damage, Inland Marine, Professional Liability, Excess Medical, Alleged Assault and Battery, Alleged Sexual Abuse and Molestation, and more. How are premiums determined?Premiums are based on a variety of factors including business size, operations, safety protocols, and claims history. Submissions are reviewed individually to determine appropriate pricing. Need help placing an account? Connect with a market specialist.

Specialized Water Sports Insurance From Prime Insurance Company Water sports are exciting—but they come with unique risks that many standard carriers won’t underwrite. That’s where Prime Insurance Company steps in. As a program administrator offering access to multiple carriers, Prime delivers specialized, non-admitted coverage solutions for a wide range of water sports-related businesses and individuals across the U.S. Whether your client owns a watercraft rental business, operates a parasailing tour operation, or participates in high-risk activities like hydro flying, Prime can create a custom insurance solution tailored to their operations and risk profile. Ideal Accounts and Appetite This program is designed for individuals and companies involved in recreational and commercial water sports. Prime welcomes both standard and hard-to-place risks, including accounts that may have prior claims or higher-than-average exposures. Common classes include: Jet ski and personal watercraft rentals Boating and fishing tour operators Parasailing and wakeboarding businesses Kayak, canoe, and paddleboard rentals Water skiing and tubing operators Hydro flight and flyboarding activities Water sports equipment rental and sales If you have a client with a new operation or one that has been declined elsewhere due to the nature of their water-based activities, this program may be an excellent fit. Coverage Highlights and Advantages Prime Insurance Company takes a hands-on underwriting approach, allowing for flexible, tailored policies that meet the specific needs of each insured. Coverage features may include: General liability tailored to water sports operations Property coverage for equipment and facilities Participant accident and medical coverage Coverage for watercraft and rental operations Defense against liability claims from injuries or accidents Prime’s all-in-one policy design helps reduce gaps in coverage and streamline the insurance process for complex and high-risk accounts. Underwriting Notes Each application is individually underwritten, taking into account the applicant’s experience, safety protocols, and prior loss history. Prime specializes in accounts that may fall outside the appetite of standard markets, including those with past claims or high perceived risk. There is no stated minimum premium, allowing flexibility depending on the scope of operations and risk exposure. Territories and Availability This program is available in all 50 states plus Washington, DC. Whether your client is operating on the Gulf Coast, the Great Lakes, or a mountain lake in the Rockies, Prime has the ability to tailor coverage to meet local and regional needs. Why Work With Prime Insurance Company? As a trusted program administrator, Prime Insurance Company brings deep expertise in high-risk and specialty markets. Agents benefit from: Access to multiple non-admitted carriers Custom underwriting for complex risks Nationwide availability Responsive service and flexible policy design By partnering with Prime, you can place difficult-to-insure water sports accounts with confidence, knowing your clients are getting the coverage they truly need. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include watercraft rental businesses, parasailing operators, jet ski and wakeboard instructors, and other water sports-related operations—even those with prior claims or high-risk activities. Is prior loss history a dealbreaker?No. Prime specializes in underwriting tough risks, including accounts with prior claims or coverage lapses. Each submission is evaluated individually. What coverages are typically included?Policies can include general liability, property coverage, participant accident, and watercraft liability depending on the insured’s specific operations. Is this program available in all states?Yes, this water sports insurance program is available in all 50 states and Washington, DC. Do you offer coverage for hydro flying or flyboarding?Yes. Prime considers many high-risk water sports activities, including hydro flying, flyboarding, and similar operations. Need help placing an account? Connect with a market specialist.

Colonial General Insurance Agency, Inc. offers a specialized Unusual Construction Insurance program to help agents and brokers place residential accounts that fall outside standard construction parameters. If you work with clients who own, design, or convert unique homes, this program provides access to carriers and underwriters experienced in evaluating and insuring those distinctive risks. Ideal Accounts and Appetite This program focuses on residential structures built with non-standard methods or adapted from non-residential uses. Typical eligible property types include: Monolithic concrete dome homes Straw bale residences Log homes constructed from hand-hewn or milled logs Converted buildings such as former schools, churches, or other institutional structures now used as homes Mountain retreats and remote residences, including properties with water features like streams If your client’s property does not fit standard homeowners or dwelling forms, Colonial General’s Unusual Construction program is designed to help you find an appropriate market. Coverage Highlights and Advantages Colonial General places unusual construction risks with a network of admitted and non-admitted carriers, allowing flexibility to match coverage to the property’s construction, location, and exposures. Typical available coverages include property, premises liability, and endorsements tailored to the unique hazards presented by non-traditional homes. Markets vary by state and risk characteristics, so Colonial General evaluates each submission to identify admitted options where available and E&S solutions when needed. Underwriting Notes Underwriting is handled on a case-by-case basis. Underwriters will focus on structural integrity, construction details, maintenance history, occupancy/use, and prior insurance or loss history. Detailed submissions speed placement—include construction photos, plans or sketches, description of materials and methods, and any recent inspection or engineer reports when available. Territories and Availability This program is available in the following Western states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Colonial General has deep regional expertise and carrier relationships across these territories. Why Work With Colonial General As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General combines broad market access with underwriters experienced in non-standard residential risks. Their team is set up to help you navigate placements for unique or converted properties and provides responsive support through the submission and binding process. Example scenarios you might place through this program: a client converting a historic church in California into a single-family residence, or a homeowner building a straw bale retreat in New Mexico. In both cases, Colonial General can help identify the best admitted or non-admitted market and required endorsements. Contact Colonial General today to learn more about the Unusual Construction Insurance program and how it can support your unique property accounts. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for residential structures with non-traditional construction, such as dome homes, straw bale houses, log cabins, and converted churches or schools used as residences. Is this program available in all states?No. Colonial General currently offers this program in AZ, CA, CO, ID, NV, NM, UT, and WY. Are both admitted and non-admitted options available?Yes. Colonial General can access both admitted and E&S markets depending on the property, construction type, and location. Can I submit a property located near a stream or with unique environmental features?Yes. Properties with environmental features such as on-site streams or steep terrain may be eligible, but underwriting will review those exposures closely and may request additional information or inspections. What submission information is required?Provide detailed property information, construction details, intended use/occupancy, current photos, and prior insurance or loss history to help expedite underwriting and placement. Need help placing an account? Connect with a market specialist.

Overview — RPS NIPC Ski Shop Insurance RPS NIPC’s Ski Shop Insurance program is a packaged, admitted solution written with an A+XV carrier (ACE) and administered by RPS NIPC as a program administrator. The program is tailored for independent ski, snowboard and related retail and rental shops nationwide. It combines property, general liability and optional crime and inland marine extensions to protect seasonal and year-round specialty shops that sell, service and rent snow sports equipment — and often bicycles as a year-round line. Ideal accounts and target classes Ski and snowboard retail stores with on-site rental operations Ski, snowboard and bicycle rental shops (including demo fleets) Independent shops that combine bike and snow sports sales, service and accessories Small to mid-size specialty retailers with storefronts, limited repair benches and overnight storage Coverage highlights and available extensions The program is underwritten by a team with 25+ years of bicycle and specialty-sports experience and is structured to address the exposures common to ski and rental shops: Package form combining property and general liability Products and completed operations coverage for sold equipment and service work Optional special extensions of property (valuable papers & records, money & securities, personal property off premises) Inland marine options for rental fleets, demo equipment and transit exposures Underwriting appetite and typical restrictions This program fits independently owned and operated specialty retailers and rental shops focused on skis, snowboards and bicycles. It is generally appropriate for single-location or small multi-location businesses without large-scale manufacturing, wholesale distribution, or resort operations. The program is not intended for major resort operators, lift maintenance contractors, snowcat/heavy equipment operations, or high-hazard manufacturing facilities. Underwriting notes and minimums Typical underwriting considers location, rental fleet size and replacement cost of demo equipment, loss history, and in-store repair operations. The program is admitted and available nationwide. Minimum premium: $1,750 (subject to underwriting). You should submit detailed schedules for demo and rental fleets and any high-value inventory for proper valuation and endorsement placement. Territories and admitted status The Ski Shop Insurance program is available in all 50 states. States currently supported include: 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 and WY. Coverage is placed on an admitted paper through ACE. Why place this business with RPS NIPC? Program administrator with deep specialty experience—underwriters familiar with retail/rental exposures and seasonal operations. Admitted product with a strong carrier (A+XV) that supports common extensions for specialty retailers. Flexible property extensions and inland marine options that help protect valuable demo equipment and off-premises exposures. Nationwide availability makes it easy to place multi-state or relocated accounts with consistent forms. Example accounts that fit well You might have a client who runs a mountain town ski shop that rents demo skis and snowboards each winter, offers basic in-store tuning and stores some rental equipment overnight. Another good fit is a coastal shop that sells bikes in summer and runs a small ski rental fleet in winter. Both are the types of accounts where the RPS NIPC package can provide appropriate property, liability and rental fleet protection on admitted paper. For more information on RPS NIPC and our specialty programs, please visit our website. Frequently Asked Questions What types of ski shop accounts are a good fit for this program?This program is aimed at independent retail and rental shops—ski, snowboard and bicycle stores—with storefronts, demo fleets and limited on-site repair. It’s best for single locations or small multi-location operators rather than large resort or heavy-equipment operations. Is the coverage admitted and available nationwide?Yes. The program is placed on admitted paper with an A+XV carrier (ACE) and is available in all 50 states, including DC. State availability and forms are handled through RPS NIPC as the program administrator. Are rental fleets and demo equipment covered?Yes. The program offers inland marine and property extensions to address rental fleets and demo equipment. Provide detailed schedules and replacement cost values on submission for accurate underwriting and pricing. What is the minimum premium and submission expectations?Minimum premium is $1,750. Submit loss history, a description of rental/demo fleets, inventory values, and information on any repair operations to help underwriters assess risk and provide accurate quotes. Who at RPS NIPC handles underwriting questions?Underwriting is managed by RPS NIPC’s bicycle/specialty team with more than 25 years’ experience. Reach out through your usual RPS NIPC wholesaler contact for program guidance and to discuss borderline or unusual risks. Need help placing an account? Connect with a market specialist.

Cochrane & Company offers a focused, non-admitted Hired & Non-Owned Auto Insurance program that helps agents and brokers place auto liability and excess liability for businesses that rely on rented or personally owned vehicles for operations. The program is designed for risks where the client needs liability protection for drivers or hired vehicles they do not own, and it’s structured to complement a driver’s personal insurance or a primary business auto policy. Ideal Accounts and Appetite This program fits small to mid-sized businesses that make regular local deliveries or service calls using non-owned vehicles. Typical target classes include: Food delivery services Auto parts couriers Bakeries Florists Home health care providers and mobile caregivers You can place single-location businesses or accounts with multiple locations across the eligible states. For example, a home health care agency with nurses or aides who use personal vehicles for client visits can benefit from Hired & Non-Owned liability placed through this program. Restricted Classes Underwriting limits this program from accepting certain higher-exposure classes. Ineligible or restricted accounts typically include: Realtors and real estate brokerages Timed or expedited delivery services (high-frequency, guaranteed-time deliveries) Human transportation operations (rideshare, shuttle or taxi services) Trucking operations (vehicles beyond light pickups) Sales forces and temporary staffing agencies with mobile workforces Coverage Highlights and Advantages Hired & Non-Owned Auto liability limits available up to $7 million Excess and umbrella layers available to increase protection Flexible structures — standalone program or layered over driver's personal insurance or a primary business policy No receipt restrictions on hired vehicle coverage Minimum premiums available from approximately $2,430 (varies by limit and structure) Low deductibles or Self-Insured Retentions (SIRs) can be accommodated Designed to serve both localized accounts and larger regional/national placements within eligible states Underwriting Notes and Minimum Premiums This non-admitted program gives underwriters flexibility to structure pricing and terms to match account needs. Minimum premium levels start around $2,430 for lower limits, but final pricing depends on exposure, limits, claims history, and whether coverage will be written as excess over a primary policy or over drivers’ personal auto policies. Provide complete loss runs and details about delivery frequency and driver screening to get accurate terms quickly. Available States The program is available in: AK, AZ, CA, ID, MT, NV, NM, ND, OR, UT, WA, and WY. Cochrane & Company brings regional underwriting expertise across these western and mountain states. Why Work With Cochrane & Company? As a Managing General Agency with deep commercial auto experience, Cochrane & Company pairs responsive underwriting with access to multiple carrier partners for hired and non-owned exposures. Agents benefit from tailored program structures, experienced risk selection, and practical placement options when traditional admitted markets are constrained. Have questions about Hired & Non-Owned Auto Insurance or need help placing a specific account? Please contact us! Frequently Asked Questions What types of accounts are a good fit for this Hired & Non-Owned Auto Insurance program?Good fits include businesses that use employee-owned or rented vehicles for routine work—examples are food delivery services, auto parts couriers, florists, bakeries, and home health care providers that don’t maintain a company-owned fleet. Are there any industries that are ineligible for this program?Yes. The program generally excludes real estate agencies, timed/expedited delivery operations, human transportation risks (rideshare/shuttle), heavy trucking operations (beyond pickups), and staffing agencies with mobile sales forces. What is the minimum premium for this program?Minimum premium starts at approximately $2,430 for a $100,000 limit, but final premiums depend on the account’s exposure, limits, and how the coverage is structured. Can this program be written as excess over the driver's personal insurance?Yes. Policies can be structured as excess over a primary business policy or over drivers’ personal auto insurance, depending on underwriting approval and the account’s needs. In which states is this program available?The program is available in AK, AZ, CA, ID, MT, NV, NM, ND, OR, UT, WA, and WY. Need help placing an account? Connect with a market specialist.

Policy Highlights: Heavy truck sales and repair operations have complex garage, liability and physical damage exposures. Colonial General Insurance Agency, Inc. offers a targeted program — Heavy Truck Sales and Repair Shop Insurance — designed for agents placing commercial garage and dealer risks across the Mountain West and Southwest. The program combines specialized garage liability, garagekeepers and dealers physical damage options with in-transit and towing coverages to address the most common heavy-truck exposures. Overview of the Program from Colonial General Insurance Agency, Inc. As a Managing General Agency and Excess & Surplus Lines broker, Colonial General places heavy truck sales and repair risks with a variety of admitted and non-admitted markets (Some Available Markets). The program offers flexible limits and coverages tailored for medium to large commercial garage operations, heavy truck dealerships and mobile repair contractors. Carriers vary by state and account characteristics. Ideal Accounts and Appetite Heavy truck dealerships and resale yards that also perform on-site repairs. Full-service repair shops specializing in heavy trucks, trailers and heavy equipment. Mobile heavy truck repair contractors servicing fleet accounts or roadside repairs (acceptable). Towing and in-transit operations associated with sales or repair activities. Accounts that generally do not fit: businesses that perform liquefied petroleum gas (LPG) equipment repairs and facilities that do refrigeration or HVAC unit repair — these are specifically prohibited. Coverage Highlights and Advantages Commercial garage coverage with up to $3,000,000 liability aggregate. Garage liability limits available up to $1,000,000 per accident. Garagekeepers coverage available on a primary basis (specified causes of loss). Dealers physical damage and in-transit coverage for towing operations. Broadened coverage options and fire legal liability included as available. $5,000 medical payments (as part of standard offerings). Property coverage can be added where needed. Underwriting Notes and Restrictions Underwriters will review the applicant’s loss history, shop operations, types of vehicles serviced, and any towing/in-transit exposure. Mobile repair operations are acceptable; however, repairs involving liquefied petroleum gas equipment or refrigeration units are excluded. Garagekeepers coverage is offered on a primary basis but limited to specified causes of loss, so review storage and customer vehicle exposure carefully. Because carriers vary, admitted availability depends on the state and account specifics — Colonial General can place some accounts in admitted markets and others in E&S. Provide complete operation descriptions, estimated payroll, annual receipts, and detailed loss runs to help secure the most competitive placement. Territories and Availability The program is available in AZ, CA, CO, ID, NV, NM, UT and WY. Coverage forms, endorsements and admitted status can differ by state; Colonial General will identify admitted options where available and use E&S markets when necessary. Why Work with Colonial General Insurance Agency, Inc.? Colonial General combines garage-focused underwriting expertise with access to multiple carriers to handle complex heavy truck sales and repair risks. Agents benefit from tailored coverage options (garage liability, dealers physical damage, garagekeepers, in-transit), flexible limit structures and a willingness to consider mobile repair and towing operations that many standard markets decline. The MGA/E&S placement capability helps fill gaps when admitted markets are limited. Example account scenarios You have a heavy truck dealership that sells used trucks and operates an on-site repair bay: the program can combine dealers physical damage with garage liability and garagekeepers on a primary basis. You represent a mobile heavy-truck repair contractor servicing regional fleets: Colonial General can consider in-transit and towing exposures as part of a broader garage package. Frequently Asked Questions What types of accounts are a good fit for this program?Heavy truck dealerships, full-service repair shops, and mobile heavy truck repair contractors are the primary targets. Towing/in-transit exposure related to sales and repair operations is also supported. Are mobile repair operations accepted?Yes. Mobile heavy truck repair is acceptable under this program, but detailed operations and exposures must be disclosed for underwriting review. Which coverages and limits are available?The program offers commercial garage coverage with up to $3,000,000 aggregate, garage liability limits up to $1,000,000 per accident, garagekeepers (primary, specified causes), dealers physical damage, in-transit coverage and property options. Specific offerings depend on carrier and state. Are any repairs or services excluded?Yes. Repairs to liquefied petroleum gas (LPG) equipment and work on refrigeration units are prohibited under this program and will render an account ineligible. Need help placing an account? Connect with a market specialist.

Comprehensive Vacation Rental Insurance From Proper Insurance® Proper Insurance® offers a specialty short-term and vacation rental program placed through Lloyd’s of London, providing a tailored option for risks that many standard homeowners or landlord carriers will not accept or will rate prohibitively. Designed for independent agents and brokers, this program combines elements of personal and commercial insurance into a single policy form that adapts to changing property use — owner stays, short-term platform rentals (Airbnb, VRBO), or periods when the property is left vacant. This program is written on a non-admitted basis through Lloyd’s and is intended for agents who need a reliable market for single-location vacation rental exposures that require breadth of coverage and flexible endorsements. Ideal Accounts and Target Classes Proper Insurance® focuses on residential properties used for short-term stays. Typical fits include: • Single-family vacation homes and cabins • Townhouses and multi-family homes converted for short rentals • Duplexes and small apartment units rented seasonally • Condominiums used as vacation units • Properties listed on short-term rental platforms or rented directly • Owner-occupied homes that are occasionally hosted on a short-term basis Example accounts: - A client who owns a mountain cabin in Colorado and lists it on Airbnb during the winter season. - A landlord who rents a duplex near the beach in Florida for short, seasonal stays. Accounts that need broad protection for changing occupancy patterns — owner use, guest stays, and vacancy gaps — are the best fit. Coverage Highlights and Advantages Proper Insurance® provides a consolidated policy form that helps agents place complex short-term rental exposures without assembling multiple separate policies. Key coverages include: • Comprehensive Building Coverage (including named perils or broader forms where available) • General Liability tailored to short-term rental exposures • Business Income / Loss of Rental Income coverage options • Contents and Personal Property for furnished units • Personal Liability and host-guest liability considerations Trademarked endorsements keep coverage in force across occupancy changes (occupied, rented short-term, or vacant), reducing gaps that commonly occur with standard homeowners or landlord policies. Underwriting Notes and Appetite - Placement: Non-admitted through Lloyd’s of London; underwritten by a team with long-standing experience in vacation rental risk. - Pricing: No published minimum premium; rates are based on property characteristics, occupancy pattern, limits chosen, and location. - Typical appetite: Single-location residential properties used for short-term rentals across a wide range of markets and values. - Typical non-fits or referral situations: large portfolio operators seeking blanket or scheduled multi-location programs, commercial lodging (hotels/motels), properties with significant unmitigated hazards, or risks requiring admitted paper. Contact underwriting for borderline or complex risks. Underwriters are experienced with platform-exposed liability, seasonal occupancy, and furnished-unit exposures — reach out with full details (location, occupancy, platform usage, security/house rules, protective features) for the most accurate response. States and Availability This program is available nationwide, including all 50 states and Washington, D.C. Proper Insurance® places this product on a non-admitted basis through Lloyd’s, allowing broader availability across varied state requirements. Whether the property is in an urban market or a rural vacation destination, the program commonly accommodates diverse territories — confirm specifics with underwriting for coastal, wildfire, or other high-hazard zones. Why Work With Proper Insurance® As a wholesale broker focused on the vacation rental niche, Proper Insurance® provides agents with access to Lloyd’s underwriting capacity and specialty endorsements designed for short-term rental volatility. Strengths include: - Niche expertise in vacation rental underwriting and product design. - Direct access to Lloyd’s capacity for specialty risks. - A single-policy solution that reduces coverage gaps between personal and commercial exposures. - Responsive wholesale brokerage support for quoting and binding. If you place short-term rental business and need a specialty market that understands platform exposures, Proper Insurance® is positioned to help you secure comprehensive protection for your clients. Need help placing an account? Connect with a market specialist. What types of accounts are a good fit for this program?Properties used as short-term or vacation rentals — including single-family homes, condos, cabins, duplexes, townhouses, and small multi-family units — are ideal. Both owner-occupied and non-owner-occupied properties are eligible when they meet the program’s underwriting criteria. Is this program available nationwide?Yes. Proper Insurance® offers this program in all 50 states and Washington, D.C., on a non-admitted basis through Lloyd’s of London. What makes this program different from standard homeowners or landlord policies?The policy blends personal and commercial features and includes endorsements that keep coverage active whether the property is occupied by the owner, rented short-term, or temporarily vacant. Standard homeowners or landlord policies often exclude or limit short-term rental exposures. Who underwrites the policy?The program is placed through Lloyd’s of London and handled by underwriters with extensive experience in the vacation rental space. Is the coverage admitted or non-admitted?This program is offered on a non-admitted basis in all states.

Comprehensive Vacation Rental Insurance From Proper Insurance® What happens if a guest is injured while staying at your client’s short-term rental? What if a visitor causes significant property damage? Your clients need more than a standard homeowners policy — they need tailored protection built for vacation rental exposures. Proper Insurance® is the Program Administrator and General Agent for a specialty policy underwritten by Lloyd’s of London, specifically designed for short-term rental properties. This program offers a complete replacement of a client's homeowner’s policy with a commercial package policy that includes both property and liability coverage. If you're looking for a strong market for Vacation Rental Insurance, Proper Insurance® offers one of the most inclusive and specialized solutions available today. Agents and brokers benefit from a straightforward quoting process, fast binding (typically within 5 minutes), and generous commissions — 15% on new and renewal business (12.5% in FL and MI). Ideal Accounts and Target Classes Proper Insurance® targets a wide range of short-term rental properties, including those with amenities that many carriers often exclude or restrict. Ideal accounts include: • Vacation homes listed on Airbnb, Vrbo, or other platforms • Properties with swimming pools or hot tubs • Homes offering recreational features like bicycles, small watercraft, or dock access • Owner-occupied homes that double as a vacation rental • Unique or luxury vacation rentals in resort or rural areas This program is built for the real exposures that come with short-term rentals — not just the property itself, but also the enhanced liability risks from guest use. Coverage Highlights Proper’s vacation rental policy stands out because it replaces the insured’s traditional homeowner’s coverage with a commercial-grade insurance solution. Key features include: • Commercial Package Policy: Coverage for buildings, contents, liability, and rental income – limits up to $1,000,000/$2,000,000 • Premise and Personal Liability: Protection whether the property is rented or used as a primary residence • Enhancement Endorsements: Theft, pet damage, and more • Income Coverage: Rental income protection in case of a covered loss This structure ensures that your clients are protected whether they’re hosting guests or using the property themselves. Underwriting and Binding Details Proper Insurance® streamlines the process for agents and brokers. Binding is quick — often within minutes — and the underwriting team is experienced in handling the unique aspects of vacation rentals. While no minimum premium is listed, the program is best suited for clients who rely on short-term rental income or host guests frequently. Properties with unique features or located in higher-risk areas are considered on a case-by-case basis. Nationwide Availability This program is available in all 50 states and the District of Columbia. Whether your client owns a beachfront property in California, a mountain cabin in Colorado, or a lake house in New York, Proper Insurance® has you covered. Why Partner With Proper Insurance®? Proper Insurance® is the nation’s leading provider of vacation rental coverage, with over 100,000 policies written. As both Program Administrator and General Agent for Lloyd’s of London, they bring unmatched expertise, fast service, and a commission structure that rewards your efforts. Their strong appetite for diverse and complex short-term rental risks makes them a go-to partner for agents and brokers nationwide. Give Proper Insurance® a call today and bind your next vacation rental policy in as little as 5 minutes! Frequently Asked Questions What types of accounts are a good fit for this Vacation Rental Insurance program?This program is ideal for single-family homes, condos, and cabins used as short-term vacation rentals, including those with pools, hot tubs, or other amenities. Owner-occupied properties that rent out seasonally are also eligible. Can clients keep their homeowner’s policy alongside this coverage?No. This policy is designed to replace a standard homeowner’s policy with a commercial package that offers broader protection suited for rental exposures. What is the commission structure for agents and brokers?Proper Insurance® pays 15% commission on new and renewal business in most states. Florida and Michigan offer 12.5% commission. Is this program available in all states?Yes, this Vacation Rental Insurance program is available in all 50 states and Washington, D.C. How quickly can policies be bound?Most policies can be quoted and bound in as little as 5 minutes, depending on the complexity of the risk. Need help placing an account? Connect with a market specialist.