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Comprehensive Media Liability Solutions from Alexander J. Wayne & Associates Alexander J. Wayne & Associates, Inc. provides a dedicated Media Liability Insurance program designed for agents and brokers who need reliable placement options for media-related risks. As a wholesale broker with market access to all major U.S. carriers and Lloyd’s of London (domestic and London open market), we place both standard and hard-to-place media accounts across admitted and non-admitted markets. Ideal Accounts and Target Classes This program addresses the liability exposures that arise from creating, publishing, distributing, or promoting content. We routinely write coverage for: Advertisers and advertising agencies Authors and book publishers Magazine and newspaper publishers Multimedia and entertainment companies Radio, television, and cable broadcasters Film and video producers or distributors Public personalities and talent engaged in public appearances Good-fit examples: you might have a regional lifestyle magazine preparing a new issue, a podcast production company with growing listenership, or a digital content creator whose reach and monetization are expanding. Those accounts—especially when they involve original reporting, commentary, advertising, or third-party content—are a primary focus for this program. Coverage Highlights and Advantages We offer flexible policy forms (both Claims-Made and Occurrence) and a broad set of protections tailored to modern media exposures. Typical coverages include: Libel, slander, and defamation Invasion of privacy and misappropriation of likeness Copyright and trademark infringement Policy features agents can leverage: Unlimited defense costs in addition to the policy limits (available for most classes) Punitive damages coverage where permitted by law Primary limits up to $10,000,000, with excess placements up to $15,000,000 Underwriting Notes Our underwriters have deep experience with media exposures and will consider risks across a wide spectrum of complexity. We underwrite both admitted and non-admitted options, and can place accounts in domestic and London markets when file complexity or limits require it. When preparing submissions, include recent samples of content, editorial controls or review procedures, social media policies, and any prior claims history. Placement depends on the client’s content processes, distribution reach, advertising practices, and prior loss activity. Territories and Availability Media Liability is available in all 50 states and the District of Columbia. We can place business admitted or non-admitted depending on the class of business, state regulations, and the insured’s limit requirements. Why Work With Alexander J. Wayne & Associates? Agents and brokers choose Alexander J. Wayne & Associates for media liability because we combine specialty underwriting knowledge with wide market access. We routinely navigate hard-to-place risks by pairing experienced underwriters with U.S. carriers and Lloyd’s markets—helping you secure competitive terms and higher limits when needed. Contact us when you have media accounts that require tailored wording, higher limits, or London market capacity. Our team will help evaluate appetite, prepare a market-ready submission, and identify the right placement strategy. Frequently Asked Questions What types of accounts are a good fit for this Media Liability program?Ideal accounts include publishers, broadcasters, content creators, advertising agencies, authors, and media production companies—especially those with unique or hard-to-place exposures. Is this program available nationwide?Yes, Media Liability Insurance is available in all 50 states and Washington, DC. What coverage limits are available?Policy limits are available up to $10 million, with excess limits up to $15 million depending on the risk. Can I get coverage for claims involving defamation or copyright issues?Yes, the program includes coverage for defamation, libel, slander, copyright and trademark infringement, and related media liability exposures. Does the program offer both admitted and non-admitted options?Yes, we offer both admitted and non-admitted options depending on the risk class and state requirements. Need help placing an account? Connect with a market specialist.

Cochrane & Company’s Commercial Auto Insurance program is designed for businesses that operate not-for-hire vehicles within a 300-mile radius. As a trusted Managing General Agency and Excess & Surplus Lines Broker, Cochrane & Company offers flexible underwriting, broad coverage options, and competitive solutions for a wide range of commercial auto exposures. Ideal Accounts and Appetite This program is ideal for businesses that own and operate their own vehicles as part of their operations but do not engage in for-hire transport. Eligible risks include: Catering services Farms and dairies Household goods movers Wholesale and retail delivery Food delivery (non-pizza) Courier and mobile businesses Magazine and newspaper distributors Armored car operations Manufacturing and funeral services Vacuum trucks and street sweepers Contractors, cranes, and boom trucks Ready-mix operations (cement mixers, concrete pumpers) Ineligible exposures include any for-hire or revenue-generating transport units, hazardous or petroleum-based materials (except incidental), pizza delivery, student drivers, triple trailers, and risks that allow non-employee passengers or involve mobile home, log, or biohazardous waste hauling. Coverage Highlights and Advantages Cochrane & Company provides comprehensive coverage options tailored to the diverse needs of commercial auto clients. Available features include: Automobile liability limits up to $5 million Uninsured/Underinsured motorists, medical payments, and personal injury protection Physical damage coverage Motor truck cargo coverage Multi-line discounts where applicable Flexible reporting capabilities allow agents to select from multiple reporting bases, including mileage, gross receipts, per vehicle, and total insured value, with real-time updates. Coverage lines include commercial auto liability, physical damage, hired auto, trailer interchange, and inland marine motor truck cargo. Underwriting Notes and Minimum Premiums To submit a risk, agents should be prepared to provide: Loss information for the current and previous three years Complete VINs for all power units A full driver list Motor Vehicle Reports (MVRs) for all drivers Minimum premiums vary depending on the nature and size of the account. All drivers must have acceptable MVRs to qualify. Territories and Availability This program is available in the following states: AK, AZ, CA, CO, ID, MT, NV, NM, ND, OR, SD, UT, WA, and WY. Most markets are non-admitted, providing greater flexibility for unique or hard-to-place risks. Why Work With Cochrane & Company? With decades of experience as an MGA and E&S broker, Cochrane & Company delivers industry-specific expertise and responsive service. Agents benefit from access to multiple carriers, robust underwriting knowledge, and a commitment to helping you place accounts that may not fit standard markets. Whether your client is a local milk distributor or a contractor needing coverage for a boom truck, Cochrane & Company can help you find the right solution quickly and efficiently. Frequently Asked Questions What types of accounts are a good fit for this Commercial Auto program?Businesses that operate their own vehicles within a 300-mile radius, such as farms, contractors, food delivery (excluding pizza), and mobile service providers, are ideal candidates. Are for-hire or revenue-generating vehicles eligible?No, this program is designed for not-for-hire business vehicles. For-hire transport units should be referred to Cochrane & Company’s trucking operations program. What information is required to submit a risk?Agents must provide loss runs for the current and prior three years, full VINs, a complete driver list, and acceptable MVRs for all drivers. Is coverage available for businesses hauling hazardous or petroleum-based materials?No, these are ineligible under this program. However, incidental hazardous materials (e.g., cleaners, batteries) are acceptable, and petroleum risks may qualify for Cochrane’s petroleum marketer program. What states is the program available in?This Commercial Auto Insurance program is offered in AK, AZ, CA, CO, ID, MT, NV, NM, ND, OR, SD, UT, WA, and WY. Need help placing an account? Connect with a market specialist.

Overview — Citadel Insurance Services: Wholesaling Insurance Citadel Insurance Services offers liability insurance solutions designed for wholesalers, distributors, and importers. Our Wholesaling Insurance program focuses on accounts that can be difficult to place in standard markets — including product importers, national distributors, and specialty wholesalers across a wide range of product lines. As a managing general agency, Citadel leverages multiple carrier relationships to find admitted and non-admitted placement options and underwriting flexibility for harder risks. Target Classes and Ideal Accounts This program is a good fit when your client is a wholesaler, importer, or distributor that needs broad commercial general liability and product liability coverage. Typical targets include: Recreational products distributors Consumer goods wholesalers Life science product importers Automobile performance parts suppliers Chemicals and industrial supplies Plastics and molded components Electrical products and components Cleaning products and janitorial supply distributors Other specialty importer/wholesaler operations with complex recall, labeling, or cross-border exposures Coverage Highlights and Advantages Citadel’s wholesalers program is focused on liability exposures that matter most to distributors and importers: product liability, general liability, completed operations, and coverage extensions related to import/export activity. Advantages agents can expect: Access to multiple carrier markets and appetite flexibility for hard-to-place classes Placement options that include admitted and non-admitted carriers (some admitted markets available) Underwriters experienced in product stewardship, traceability, and third-party testing exposures Ability to handle complex distribution chains, private label arrangements, and importation risks Underwriting Notes and Minimum Premium To quote effectively, be prepared to provide a clear description of the product lines, supply chain (import sources), average annual sales by product line, quality control and testing procedures, recall history, and any existing product control protocols (labeling, instructions, consumer warnings). Accounts with product testing documentation and robust recall plans typically receive more competitive terms. Minimum premium: $2,500. Pricing and placement will vary by product category, sales volume, and loss history. Appetite and Common Restrictions Good fits: Wholesalers and importers with diversified product lines and established quality controls Accounts needing product liability wrap for private label operations Distributors seeking completed operations coverage for installation or repair services Not typically a fit: Retail storefronts that sell directly to consumers (unless packaged with wholesale operations) High-hazard chemical manufacturers without documented controls or significant loss history Accounts with unresolved or frequent product recalls without corrective action plans Territories and Availability Available 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. Market availability and admitted status vary by state and by carrier — Citadel will help identify the best placement for each jurisdiction. Why Work With Citadel on Wholesaling Insurance As a managing general agency focused on hard-to-place risks, Citadel Insurance Services pairs specialized underwriting with broad carrier access. Our broker partners benefit from pragmatic underwriting, quicker appetite responses, and tailored terms for complex distribution and import exposures. Use this program to help retain accounts you might otherwise have to refer out or decline. Example Scenarios You have a regional importer of recreational products that supplies retailers across multiple states and needs product liability limits plus a recall response plan — Citadel can seek markets that will consider the account with documented testing and recall controls. A distributor of automobile performance parts sells to installers nationwide and needs completed operations coverage for installed parts — this program can evaluate completed operations exposures alongside product liability. Frequently Asked Questions What types of accounts are a good fit for Citadel’s Wholesaling Insurance program?Accounts that are primarily wholesalers, distributors, or importers of consumer, industrial, or specialty products are ideal — particularly when they need product liability, completed operations, or import-related liability solutions and have documented quality controls. What submission information does Citadel need to quote?Provide a description of product lines, annual sales by product, supply chain/import origins, loss and recall history, product testing or quality control procedures, and any safety or labeling programs. Photos, MSDS (if applicable), and copies of agreements for private label work help accelerate review. Are admitted markets available and where can business be placed?Citadel works with a mix of admitted and non-admitted carriers; some admitted markets are available. The program is available in the states listed above, and Citadel will identify the best market based on the account and jurisdiction. What is the minimum premium and typical turnaround time?The program minimum premium is $2,500. Turnaround depends on account complexity; straightforward wholesale-only accounts with complete submission materials typically receive preliminary responses faster than multi-jurisdictional or high-exposure submissions. Need help placing an account? Connect with a market specialist.

Small Account Workers' Compensation Insurance Program from Phoenix Risk Management Phoenix Risk Management (PRM) offers a specialized Small Account Workers' Compensation Program designed for agencies looking to place smaller workers' comp accounts with competitive carriers. With a premium range from $1,000 to $100,000, this program is ideal for smaller businesses across a variety of industry classes that meet specific underwriting criteria. Whether your client operates a local retail shop, small manufacturing facility, or service-based business, PRM provides access to financially strong carriers (rated A XV to B+ VII by A.M. Best) that can offer the coverage they need—even if their account is too small for traditional markets. This is a non-admitted program, and carrier details are disclosed to appointed brokers upon request. Target Classes and Ideal Accounts The PRM Small Account Workers’ Compensation Program is well-suited for agents with clients in defined industry classes that may not qualify for standard markets due to size. Ideal accounts include: Small contractors and artisan trades Light manufacturing and assembly operations Retailers and small wholesalers Professional offices and service businesses You might have a client with a clean loss history and under $100,000 in annual premium, but they're struggling to find a carrier willing to take on the risk. This program is designed for those scenarios. Program Highlights Premium range: $1,000 to $100,000 Minimum premium: $1,000 Access to financially secure carriers (A XV to B+ VII) Tailored underwriting for small accounts Available across 48 states plus DC Submission Requirements To streamline the quoting process, PRM requires a complete submission package: Signed and dated ACORD application with FEIN Signed and dated PRM supplemental application Minimum of 4 years of currently valued loss runs (within 90 days of effective date) 4 years of historical aggregate payroll data Current Experience Modification Worksheet (if available) Details on any losses over $50K Complete description of operations Bureau Inspection Report (if available) Submissions accepted no earlier than 90 days prior to the effective date Territory and Availability This program is available in nearly all U.S. states, including 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. Why Partner with Phoenix Risk Management Phoenix Risk Management is a trusted Managing General Agency and Excess & Surplus Lines Broker with deep expertise in workers’ compensation. Their focus on small accounts, responsive underwriting, and strong carrier relationships make them a valuable partner for agents placing tough-to-place or underserved risks. With a streamlined submission process and clear underwriting expectations, PRM helps you close more business efficiently. Frequently Asked Questions What types of accounts are a good fit for this Workers’ Compensation program?Small businesses with premiums between $1,000 and $100,000 across defined industry classes such as retail, light manufacturing, and service trades are ideal. Accounts should have a clean loss history and meet underwriting criteria. Is this program admitted or non-admitted?This is a non-admitted program. Carrier names are disclosed to appointed brokers but are not advertised publicly. How far in advance can I submit an account?Submissions are accepted no earlier than 90 days before the requested effective date. What documentation is required to obtain a quote?A completed and signed ACORD application, PRM supplemental application, 4 years of loss runs, payroll history, and other underwriting data such as X-Mod and loss details over $50K are required for a quote. In which states is this program available?The program is available in most U.S. states, including all continental states and Washington, D.C., as well as Alaska and Hawaii. Need help placing an account? Connect with a market specialist.

Self-insurance for workers’ compensation is a strategic choice to retain and fund losses directly instead of transferring them to a traditional carrier. Unlike standard policies, an individual self-insurance program requires a formal plan to pay claims as they occur—using operating cash or a dedicated reserve—along with compliance steps to meet state requirements. Caitlin Morgan Insurance Services helps agents and brokers evaluate, design and place Individual Self-Insurance Workers' Compensation programs. Our team brings programmatic experience and market access to guide you through feasibility analysis, regulatory filings, actuarial review, and vendor selection so your client’s program is structured and compliant from day one. Ideal Accounts and Appetite This solution is built for larger, financially stable employers that can demonstrate strong claims and safety management. Typical fits include manufacturers, large healthcare operations, colleges and universities, and sizable service organizations with robust loss-control programs. You might have a client with 500+ employees facing escalating premiums and limited control over claims handling — an individual self-insurance program can give them transparency, control, and potential long-term savings. Coverage Highlights and Advantages Self-insurance gives your client direct control over claims administration, loss prevention, and cash flow. Key benefits include: Customizable claims handling and selection of third-party administrators (TPAs) Improved cash flow and the ability to tailor reserve management Greater emphasis on workplace safety and loss prevention initiatives Potential cost savings over time for low-loss employers Applicants must also satisfy state-specific requirements such as surety bonds, reserve funding and periodic reporting. Caitlin Morgan supports compliance, actuarial review and provider selection to help ensure a sustainable program. Underwriting Notes Each submission begins with a feasibility and financial analysis. Underwriting looks at claims history, financial strength, industry exposures, safety programs and risk tolerance. There is no fixed minimum premium published here; applicants must show the financial capacity to fund losses and meet state reserve obligations. Territories and Availability Caitlin Morgan’s Individual Self-Insurance Workers’ Compensation Solutions are available nationwide, including all 50 states and the District of Columbia. We place both admitted and non-admitted structures depending on state rules and client profile. Why Work With Caitlin Morgan Insurance Services? As a Managing General Underwriter and Excess & Surplus Lines Broker, Caitlin Morgan offers focused expertise in alternative risk solutions. We provide hands-on support through the full lifecycle—feasibility assessment, program design, regulatory submission, TPA selection and ongoing program oversight. Our market relationships and technical experience help you place complex large-account workers’ compensation programs with confidence. Contact: Gerry Dumke P: (800)723-7475, Ext. 280 [email protected] Frequently Asked Questions What types of accounts are a good fit for this self-insurance program?Large employers in industries such as manufacturing, healthcare, education and certain service sectors with strong financials and active loss-control programs are the best fit. Does Caitlin Morgan assist with claims administration for self-insured clients?Yes. We help you select and manage third-party administrators (TPAs) to ensure efficient, compliant claims handling tailored to the client’s program. What are the main advantages of self-insuring workers’ compensation?Self-insurance provides greater control over claims, improved cash flow management, stronger alignment with safety programs and potential long-term cost savings for well-managed employers. Is this program available nationwide?Yes. Caitlin Morgan supports individual self-insurance placements in all 50 states and the District of Columbia, with admitted or non-admitted options as appropriate. What financial requirements must a company meet to qualify?Applicants must demonstrate financial stability and the ability to fund claims and reserves consistent with state regulations. We perform a detailed financial and feasibility analysis for each submission. Need help placing an account? Connect with a market specialist.

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Workers’ compensation can be a major hurdle for small business owners. Many states require it, but cost and administrative complexity often put coverage out of reach—especially for sole proprietors, independent contractors, and micro-businesses with minimal payroll. Easy Small Business Workers’ Compensation from SolePro SolePro helps agents and brokers place affordable workers’ compensation for micro and small businesses that struggle to find traditional options. The program is built for fast placement: you can quote, sign, bind, and pay through SolePro’s online platform. Whether your client only needs a certificate of insurance to win a contract or needs a tailored policy for a small payroll, SolePro’s options reduce friction and avoid unnecessary Assigned Risk placements. Ideal Accounts and Appetite This program is designed for a range of small-business accounts, including: Sole proprietors and one-person LLCs (with or without owners included) Independent contractors who need a COI Very small businesses with 1–5 employees Startups and new ventures with limited payroll history Restrictions: Any business that regularly uses subcontractors or day laborers is not eligible for this program. Coverage Options and Highlights SolePro offers three straightforward coverage options to match client needs and budgets: Solo X Minimum-premium workers’ comp for businesses with no employees Owner/sole proprietor is excluded from coverage Includes a 24-hour accident policy Fast online application — sign, bind, and pay in minutes Solo I Affordable workers’ comp for businesses with no employees Owner is included in coverage Optional accident policy Direct bill and payment plans available Plus Flexible workers’ comp for businesses with employees Owners may be included or excluded by choice Employees are automatically covered Optional accident policy Direct bill and payment plans available Why Agents and Brokers Use SolePro SolePro’s platform and underwriting focus make it easier to place small, difficult-to-place accounts. Key advantages: Streamlined online quoting and binding — reduces turnaround time Stable programs aimed at reducing mid-term audits and frequent carrier changes Access to both admitted and non-admitted capacity depending on the state Underwriting specialists experienced in micro-business risk profiles Underwriting Notes and Minimum Premium Programs start at a minimum premium of $750. Underwriting is designed for speed: many simple accounts can be quoted and bound quickly via the SolePro portal. Coverage placement (admitted vs. non-admitted) varies by state and is determined during the quote process. Example Accounts That Fit A freelance photographer who needs a COI to contract with a venue and has no employees — Solo I or Solo X may provide the needed documentation without costly excess premium. A new café with two employees looking for stable, entry-level workers’ comp and flexible billing — the Plus option can include employees and offer payment-plan options. States Where Coverage Is Available SolePro’s Small Business Workers’ Compensation program is currently offered in the following jurisdictions: AL, AZ, AR, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, NE, NV, NH, NJ, NM, NY, NC, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, DC, WV, WI Get Started To learn more, reach out to SolePro or become an appointed agent today. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for sole proprietors, independent contractors, startups, and small businesses with up to a few employees that need affordable workers’ comp coverage or a COI. Can owners choose whether to be included in coverage?Yes. The Solo X option excludes the owner, Solo I includes the owner, and the Plus option allows owners to choose inclusion or exclusion. Are subcontractors or day laborers eligible?No. Businesses that use subcontractors or day laborers are not eligible for any of the SolePro workers’ comp programs. Is this program available in all states?No. Availability varies by state; check the full list above for where the program is offered. How quickly can I bind coverage for my client?SolePro’s online platform is designed for speed — you can often quote, sign, bind, and pay in just a few clicks for eligible accounts. Need help placing an account? Connect with a market specialist.