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Lawn Care Services, Tree Trimming, and Related Services Insurance Insurance Program Managers Group (IPMG) offers a specialized program for agents and brokers placing business for lawn care, landscaping, and tree service operations. The program provides access to A-rated markets that understand the unique liability, pollution, and equipment exposure these contractors face—whether they provide seasonal lawn maintenance, install and service sprinkler systems, perform tree trimming or removal, or operate nursery facilities. This program is designed for brokers seeking flexible, industry-focused solutions. IPMG underwriters evaluate operations by scope of work and safety controls, so both small residential lawn crews and mid-sized commercial landscaping contractors can find appropriate placements when their exposures fit the appetite. Target Classes and Ideal Accounts Lawn care and landscaping contractors (residential and commercial) Sprinkler system installation, maintenance, and irrigation specialists Tree trimming, pruning, and removal services Nursery and greenhouse plant care operations Companies that apply herbicides, pesticides, or fertilizers as part of services If you have a client who runs a small team trimming trees and maintaining residential lawns, or a mid-sized landscape contractor that provides grounds maintenance and irrigation services, this program is a practical option to explore. Coverage Highlights Commercial General Liability – Third-party bodily injury and property damage protection tailored to outdoor service exposures. Contractors Pollution – Coverage for chemical applications and pollution liability tied to herbicide, pesticide, and fertilizer use. Inland Marine – Protection for contractor tools, equipment, and portable gear essential to operations. Excess Liability / Umbrella – Additional limits for higher-severity exposures and larger projects. Coverage can also extend to plants, shrubs, and other vegetation while under the insured’s care, custody, and control, depending on the submission and selected options. Underwriting Notes and Minimum Premiums Minimum premiums typically range from $500 to $750 per line of coverage. Program is placed with non-admitted carriers rated A or higher in the eligible states. Underwriters prefer clean safety records, defined scopes of work, trained staff, and documented pesticide/herbicide application procedures. For faster quoting, include a completed application, current loss runs, and a clear description of operations (including whether subcontractors are used and any certificate controls). Program Availability This program is currently available in the following states: Florida (FL) Illinois (IL) Missouri (MO) Indiana (IN) Iowa (IA) Note: The program is written on non-admitted paper in these states. Why Work With IPMG IPMG brings deep underwriting experience and established carrier relationships within the lawn care and landscaping niche. Their state-based contacts deliver responsive service and practical, risk-aware solutions. As a broker, you benefit from an underwriting team that understands equipment exposures, chemical application risks, and the operational differences between residential and commercial accounts. Example fits: A residential lawn care firm with 3–6 employees that provides weekly mowing, fertilization, and occasional pesticide treatments. A mid-sized landscape contractor that handles commercial grounds maintenance, irrigation system service, and selective tree pruning—with documented safety programs and endorsed pollution controls. Reach out to the appropriate contact for your state to discuss submissions and get quotes: Matt Becker (IL, IN, IA) (630) 485-5952 [email protected] Barbara Commings (FL) (855) 377-4764 Ext 5222 [email protected] Leona Greeves (MO) (314-293-9700) Ext 9705 [email protected] Frequently Asked Questions What types of accounts are a good fit for this program?This program is designed for businesses offering lawn care, landscaping, sprinkler system services, tree trimming and removal, and plant nursery operations. Accounts that regularly apply herbicides or pesticides are also eligible. Is this program available on admitted paper?No, this program is written on non-admitted paper with A-rated carriers in the eligible states. What is the minimum premium required?The minimum premium ranges from $500 to $750 per line of coverage, depending on the specific risk and coverage selected. What states is this program available in?The program is currently offered in Florida, Illinois, Missouri, Indiana, and Iowa. What coverages are included in the program?Available coverages include Commercial General Liability, Contractors Pollution, Inland Marine for contractor tools, and Excess/Umbrella Liability. Need help placing an account? Connect with a market specialist.

Retail Insurance Allstar Financial Group, a Managing General Underwriter and Excess & Surplus Lines Broker, offers a flexible and competitive Retail Insurance program through its Allstar Underwriters division. Designed to serve small and mid-sized retail accounts, this program provides agents and brokers with streamlined access to Property, Casualty, and Umbrella coverages for a wide range of commercial risks. Ideal Accounts and Appetite The Retail Insurance program is a great fit for agents seeking coverage solutions for clients in various industries, including: Retail operations (e.g., clothing stores, electronics shops) Contractors Habitational risks (apartments, condos) Office buildings Vacant buildings Wholesale businesses Institutional facilities Whether you're working with a strip mall tenant or an independent contractor, Allstar provides flexible underwriting options to accommodate diverse risk types. You might have a client who operates a small retail clothing store in a suburban shopping center—this program can offer both property and liability coverage tailored to their needs. Coverage Highlights and Advantages Property Coverage Total Insured Value (TIV) up to $5 million per location Available as monoline or package policies No coinsurance options (varies by risk) Optional enhancements, including equipment breakdown Casualty Coverage Monoline or package policy options Minimum premium starting at $500 Primary liability limits up to $5 million per occurrence/aggregate Project-specific policies available Coverage available for businesses with uninsured subcontractors Optional enhancements such as: Blanket additional insured Waiver of subrogation Primary non-contributory wording Per project/per location aggregate Hired and non-owned auto (select classes) Miscellaneous professional liability (select classes) Umbrella Coverage Limits up to $5 million Minimum premium starting at $750 Available on a supported or unsupported basis Underlying Requirements AM Best rating of A-VI or better (Auto and GL) AM Best rating of B++ or better (Employers Liability) General Liability limits: $1M/$2M/$2M Underwriting and Submission Notes Allstar makes it quick and easy to quote and bind coverage for your retail clients through its Small Business Solutions Division. Their underwriting team is responsive and knowledgeable, helping you navigate complex risks and tailor coverage with optional enhancements. Minimum premiums vary by line of coverage, starting as low as $500 for Casualty and $750 for Umbrella. Risk-specific factors will influence final terms and pricing. Territories and Availability This Retail Insurance program is available in most states, including: Alabama (AL) Georgia (GA) Louisiana (LA) Mississippi (MS) North Carolina (NC) South Carolina (SC) Tennessee (TN) Virginia (VA) Coverage is typically offered on a non-admitted basis, giving Allstar the flexibility to customize solutions for harder-to-place risks. Why Work With Allstar Financial Group? With access to multiple carriers and a strong focus on underwriting service, Allstar Financial Group is a reliable resource for agents and brokers placing retail-related risks. Their experienced team understands the unique exposures of small and mid-sized businesses and works closely with you to deliver tailored coverage options quickly and efficiently. Whether you're placing a new account or need help re-marketing a non-renewed policy, Allstar can help you deliver value to your retail clients. Frequently Asked Questions What types of accounts are a good fit for this Retail Insurance program?This program is ideal for small to mid-sized retail stores, contractors, habitational properties, office spaces, and wholesale or institutional risks. Can I get monoline coverage or does it have to be a package?Yes, both monoline and package options are available for Property and Casualty coverages, depending on the client's needs. What is the minimum premium for this program?Minimum premiums start at $500 for Casualty and $750 for Umbrella coverage, though final pricing depends on the specific risk and coverage selected. Is this program available in admitted markets?The program is offered in most states on a non-admitted basis, allowing for greater flexibility in underwriting and coverage customization. What optional coverages can be added to enhance the policy?Optional enhancements include equipment breakdown, blanket additional insured, waiver of subrogation, hired and non-owned auto, and more—availability varies by class of business. Need help placing an account? Connect with a market specialist.

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K&K’s health club basic service insurance program is designed for U.S.-based owners and operators of health and fitness clubs and/or tennis/racquet clubs offering programs and services for members and guests that may include: circuit training, personal training, aerobics, yoga, pilates, free weights, resistance machines, cardio machines, a variety of exercise group classes, strength training, non-contact martial arts, basketball/volleyball, racquet sports, whirlpool/hot tubs, saunas/steam rooms, massage, nursery/babysitting, nutritional weight control, tanning, pro shops, snack/juice bars and 24-hour key card access facilities. Eligible Operations for Health Club Basic Service Insurance: - Health club insurance - Fitness and training center insurance - Gym insurance - Exercise club insurance - CrossFit Affiliate Facility insurance Coverages Available & Program Highlights: General Liability - Products-completed Operations - Personal and Advertising Injury - Bodily Injury to Participants - Professional Liability - Damage to Premises Rented To You - Medical Expense Limit - Hired Auto and Employers' Nonownership Liability (not provided in IL, LA, UT, VT and WI) Optional Coverages - Inland Marine - Supplies and Inventory - Equipment and Contents - Improvements and Betterments - Signs - Abuse, Molestation or Exploitation Defense Reimbursement Coverage - Liquor Liability - Excess Liability - Liability for Independent Contractor (non-employees) - Sexual Abuse or Sexual Molestation Liability Common Associated Exposures: - Group exercise classes - Pro Shops - Massage - Saunas/steam rooms - Nursery, baby-sitting - Snack/juice bars - Nutritional weight control - Tanning - Personal training - Whirlpool/hot tubs - Pilates - Yoga Please contact our regional sales directors for questions about programs offered by K&K. David Mello – AK, AZ, CA, CO, HI, IA, ID, IL, KS, MA, ME, MN, MO, MT, ND, NE, NH, NJ, NV, NY, OK, OR, SD, UT, VT, WA, WI, WY [email protected] 260.438.7611 Nick Pentsos – AL, AR, CT, DC, DE, FL, GA, IN, KY, LA, MD, MI, MS, NC, NJ, OH, PA, RI, SC, TN, TX, VA, WV [email protected] 260.222.1864

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1-4 Family Dwelling Insurance Program from Cochrane & Company As a trusted Managing General Agency, Cochrane & Company offers a specialized insurance solution for 1-4 family dwellings. This program is designed specifically for properties owned by individuals or corporate investors and used as income-generating rentals. Whether your client owns a duplex, triplex, or fourplex—this program offers the flexibility and protection they need. Ideal Accounts and Target Risks This program is well-suited for a wide range of rental property ownership scenarios, including: Single-family homes and multi-family dwellings (up to 4 units) Properties owned by real estate investors—individuals, LLCs, or corporations Owner-occupied 2-4 family properties (credit available) Mobile homes used as rental dwellings Locations rented seasonally or on a timeshare basis Examples of ideal placements include a client who owns multiple duplexes across Idaho and Oregon for long-term rentals, or a property investor with seasonal vacation rentals in Nevada. Locations with boat docks or slips can also be considered. Coverage Highlights and Advantages This program provides robust liability and property protection specifically tailored to the risks of rental dwellings: Liability Coverage Features: No General Liability Deductible Expanded bodily injury definition to include emotional distress and mental anguish Hostile Fire Exception to Pollution Exclusion Defense costs paid outside the liability limits Hired and Non-Owned Auto Liability coverage available in most states Medical expense limits up to $25,000 Limits available up to $1,000,000 per occurrence / $2,000,000 aggregate Commercial Umbrella coverage available up to $5,000,000 Property Coverage Features: Special and Basic Form options Replacement Cost Coverage available Business Income and Rental Value coverage Owner’s Contents and Equipment Breakdown coverage Available in Protection Classes 1–8 Coverage available in hail and tornado-prone areas (special deductible may apply) Renovation coverage available Commercial property limits up to $1,000,000; coastal areas up to $500,000 (wind and hail excluded) Flexible Policy Options Monoline Liability Monoline Property Package policies available Underwriting Notes and Minimum Premiums This is a non-admitted program with access to various carriers. Minimum premiums vary based on property characteristics, location, and selected coverages. Cochrane & Company works closely with agents to review submissions and tailor coverage to fit each risk. Territories and Availability Available in the following states: AK, AZ, CA, ID, MT, NV, NM, ND, OR, UT, WA, and WY. If you write rental property business in these regions, this program offers a competitive and flexible market solution. Why Work with Cochrane & Company? With deep experience in E&S markets and property liability programs, Cochrane & Company stands out as a reliable partner for placing hard-to-place or non-standard dwelling risks. Their ability to consider a wide range of property uses—including seasonal rentals, renovations, and mobile homes—makes them a valuable resource for agents seeking flexible solutions for their investor clients. Have questions about the 1-4 Family Dwelling Insurance program or want to discuss a specific account? Contact Cochrane & Company today to learn more. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for 1-4 family dwellings owned by individuals or corporations for rental purposes, including seasonal, timeshare, and mobile home properties. Can I place properties under renovation in this program?Yes, coverage is available for properties under renovation, subject to underwriting approval and applicable limits. Is this an admitted or non-admitted program?This is a non-admitted program offered through various carriers, giving flexibility in underwriting and pricing. Are coastal properties eligible for coverage?Yes, coastal properties can be considered with limits up to $500,000 per location; however, wind and hail are excluded. What states is this program available in?Cochrane & Company offers this program in AK, AZ, CA, ID, MT, NV, NM, ND, OR, UT, WA, and WY. Need help placing an account? Connect with a market specialist.

Monitor your profits while protecting your clients with Cochrane & Company's specialized Alarm Installation Insurance program. Designed for contractors who sell, install, service, monitor, or repair alarm systems, this program is backed by an A+ XV–rated specialty carrier and tailored to the risks associated with burglar alarms, fire alarms, intercoms, CCTV, access control and other electronic security systems. Use this program to place accounts that need both strong general liability protection and comprehensive property, inland marine, and E&O options. Ideal Accounts and Appetite Residential and commercial alarm system installers Fire and burglar alarm contractors Intercom, access control, and CCTV system providers Contractors with up to 15% of revenue from medical monitoring Service providers for banks, financial institutions, vehicles, or watercraft This program is a strong fit for alarm contractors who require a combination of General Liability, E&O, and property protections. Typical fits include: A contractor installing and monitoring CCTV systems for multi-tenant commercial buildings. An integrator providing access control and intercom systems for retail or office locations, including service and monitoring agreements. Underwriting will consider system type, contract language, percentage of monitoring/medical monitoring revenue, and work performed on high-risk accounts (banks, armored vehicles, marine). Accounts that exceed the specified medical-monitoring threshold or that perform high-risk life-safety system work without documented controls may be limited or declined. Coverage Highlights and Advantages Alarm Installation Insurance: Available Coverages: General Liability – Primary limits up to $3 million occurrence/aggregate Electronic Data Liability Errors & Omissions (E&O) – Included at policy limits where appropriate Excess / Umbrella – Up to $25 million available Included Coverages: Medical Payments – $5,000 limit Blanket Additional Insured Endorsement Lost Key Coverage – $25,000 limit Property Damage Extension (Care, Custody, and Control) – Up to $200,000 per occurrence / $300,000 aggregate Property Coverage: Building and Business Personal Property Business Income Basic, Broad, or Special Form Replacement Cost or Actual Cash Value Equipment Breakdown Inland Marine Accounts Receivable Computer Equipment Outside Signs Valuable Papers Crime Coverage: Available for both inside and outside the premises. Deductible: No deductible required on certain coverages; options vary by submission. Underwriting Notes and Minimum Premiums Underwriting reviews focus on scope of work, contract terms (hold-harmless, indemnity, and monitoring agreements), training and experience of technicians, and percentage of revenue from monitoring or medical monitoring. Minimum premiums and final terms depend on the account profile and coverages selected — Cochrane & Company works with agents to match risks to appropriate specialty markets. Territories and Availability This program is non-admitted and available in the following states: AK, CA, ID, MT, NV, NM, ND, OR, WA, and WY. Cochrane & Company leverages regional underwriting expertise to address the regulatory and environmental challenges common to alarm contractors operating in the Western U.S. Why Work With Cochrane & Company? As a Managing General Agency, Cochrane & Company offers focused access to specialty markets and hands-on underwriting for electronic security contractors. Agents benefit from: Dedicated program underwriters familiar with alarm and security exposures. Access to A+ XV–rated appetite and excess capacity where needed. Flexible package options that combine GL, E&O, property, inland marine, and crime. Responsive service and collaborative placement approach for tough or high-exposure accounts. For more information on our Alarm Installation Insurance program, please contact us! Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for contractors involved in installing, servicing, or monitoring burglar alarms, fire alarms, intercoms, CCTV, and access control systems. Accounts with limited medical monitoring (under 15% of receipts) may also qualify. Is this program available on an admitted basis?No, this program is written on a non-admitted basis through various specialty carriers. What states is the program available in?The program is currently available in AK, CA, ID, MT, NV, NM, ND, OR, WA, and WY. Are financial institution or vehicle alarm accounts eligible?Yes, risks involving banks, financial institutions, vehicle, or watercraft alarm systems can be considered under this program. What limits are available for General Liability?General Liability limits are available up to $3 million per occurrence/aggregate, with excess or umbrella limits up to $25 million. Need help placing an account? Connect with a market specialist.

Apartment House Insurance Program from Cochrane & Company Cochrane & Company offers a comprehensive Apartment House Insurance program tailored for residential rental properties with five or more units. This includes apartment buildings, complexes, apartment hotels, and boarding or rooming houses. Designed for independent agents and brokers, this program helps you secure the right coverage for your clients in a specialized and competitive market. With backing from a specialty carrier rated A+ XV by A.M. Best, you can quote with confidence knowing your insureds are supported by a financially strong partner. Ideal Accounts and Appetite This program is ideal for habitational risks such as: Apartment buildings or complexes with 5+ units Apartment hotels and extended-stay lodging Boarding and rooming houses You might have a client who owns a 20-unit apartment building in Washington or a regional property manager with multiple complexes across Idaho and Oregon—this program is built to handle those scenarios and more. Coverage Highlights and Advantages Our Apartment House Insurance program offers robust coverage options to protect both property and liability exposures common to multi-unit residential operations. Coverage Features: Apartment House Insurance Primary General Liability limits up to $3 million occurrence/aggregate $5,000 Medical Payments Coverage – included Additional Interests – included at no charge Hired and Non-owned Auto coverage Excess or Umbrella limits available up to $25 million Available Property Coverages: Building Business Personal Property Business Income Basic, Broad, or Special Form Replacement Cost or Actual Cash Value Inland Marine Equipment Breakdown Accounts Receivable Computer Equipment Outside Signs Valuable Papers Crime: Coverage available both inside and outside the premises. Underwriting Notes and Minimum Premiums The program is written on a non-admitted basis, offering flexibility in underwriting and customized solutions for unique habitational risks. Carriers vary depending on risk characteristics. Minimum premiums also vary by account size and location. Submissions with complete property information and loss histories are encouraged to streamline the underwriting process. Territories and Availability This program is available in the following states: Alaska, California, Idaho, Montana, Nevada, New Mexico, North Dakota, Oregon, Washington, and Wyoming. Why Work With Cochrane & Company? As a trusted Managing General Agency with deep experience in habitational risks, Cochrane & Company provides fast, knowledgeable service and access to strong specialty markets. With underwriting expertise and tailored solutions, we help agents like you win and retain business in the apartment and multifamily property space. For more information on our Apartment House Insurance program, please contact us! Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include apartment buildings or complexes with five or more units, apartment hotels, and boarding or rooming houses located in our available states. Is this program admitted or non-admitted?This is a non-admitted program, allowing for flexible underwriting and broader risk appetite for habitational exposures. What states is the program available in?The program is offered in AK, CA, ID, MT, NV, NM, ND, OR, WA, and WY. What coverages are included in the standard offering?Standard coverage includes general liability with limits up to $3 million, $5,000 medical payments, additional interests at no charge, and optional umbrella/excess limits up to $25 million. Property coverages are also available. How do I get a quote or submit an account?Submit complete applications with property details and loss history directly to Cochrane & Company. Contact their underwriting team for submission guidelines. Need help placing an account? Connect with a market specialist.

Commercial Auto Refrigeration Insurance Coverage from Cochrane & Company Do you place trucking clients that haul temperature-sensitive freight and need refrigeration-specific protection? Cochrane & Company, a Managing General Agency with deep transportation expertise, offers access to multiple markets for Commercial Auto Refrigeration Insurance Coverage. Our markets remain active in a space where many carriers have pulled back, and we place business with A.M. Best A+ rated carriers when available. Overview This program helps agents place refrigerated trucking accounts that require coverage for cargo spoilage and refrigeration breakdowns, in addition to standard auto and liability protections. We focus on established operators who can demonstrate consistent equipment maintenance and operational controls. Ideal Accounts and Appetite We write commercial auto risks that transport refrigerated goods — produce, dairy, frozen foods and other temperature-sensitive loads. Target accounts include owner-operators and small to mid-size fleets with a documented maintenance program. Spoilage coverage is not available to brand-new ventures. Example accounts that often fit the program: A regional produce distributor with a small fleet of temperature-controlled trucks and routine maintenance logs. An established frozen-food logistics company that moves long-haul loads across the western U.S. and can provide service history for reefers. Coverage Highlights and Advantages Markets available through Cochrane & Company can provide a combination of coverages designed for refrigerated transportation, including: Cargo insurance for temperature-sensitive goods Commercial auto liability Physical damage for power units and reefers Truckers general liability (GL) Refrigeration breakdown coverage Broadened reefer breakdown wording — available in select states Spoilage coverage is available upon request but requires documentation of maintenance and is not offered to new ventures. Our carriers expect proof of regular servicing and detailed loss-control practices when a spoilage or breakdown claim occurs. Underwriting Notes and Minimum Premiums Underwriting is focused on well-documented, experienced risks. Agents should be prepared to submit: Refrigeration equipment maintenance and service records Driver and operational history Loss runs and cargo handling procedures Minimum premiums vary by market, state, and account complexity. Provide complete documentation up front to improve placement options and pricing accuracy. Territories and Availability This program is available in: AK, AZ, CA, ID, MT, NV, NM, ND, OR, UT, WA, and WY. Coverages are placed with a mix of admitted and non-admitted carriers depending on the state and the specific carrier appetite. Why Work With Cochrane & Company As a specialized MGA, Cochrane & Company brings decades of experience placing specialty transportation risks. We maintain relationships with markets willing to write refrigeration breakdown exposures and work directly with agents to structure appropriate coverage. Our regional expertise, market access, and focus on documented, well-managed accounts make us a reliable partner for placing hard-to-place refrigerated trucking risks. For more information about Commercial Auto Refrigeration Insurance Coverage or to discuss a submission, contact us. Need help placing an account? Connect with a market specialist. Frequently Asked Questions What types of accounts are a good fit for this program?Established trucking operations that haul refrigerated produce or frozen foods and maintain their equipment regularly are ideal. New ventures are not eligible for spoilage coverage. Is spoilage coverage available?Yes. Spoilage coverage is available upon request, including for loads rejected due to temperature issues. It requires documentation of equipment maintenance and operational controls and is not offered to new ventures. Which states is this program available in?The program is available in AK, AZ, CA, ID, MT, NV, NM, ND, OR, UT, WA, and WY. Do you offer coverage for refrigeration breakdown?Yes. Refrigeration breakdown coverage is available, and broadened reefer breakdown wording can be offered in select states. What documentation is required for underwriting?Underwriters typically require proof of regular servicing and maintenance of refrigeration equipment, operational history, and loss runs. Providing these documents up front improves placement prospects.