Search CompleteMarkets

...s Periodontists Endodontists Oral and Maxillofacial Surgeons It is espe...ice after a license suspension, or an oral surgeon with a strong clinical hist...

...s include: Physicians and surgeons across many specialties Allied h...

ERISA Bonds Program from Preferred Concepts LLC Preferred Concepts LLC, through its partnership with Mercator Risk Services, offers a dedicated ERISA Bond program tailored for investment advisors and other professionals managing ERISA-regulated employee benefit plans. This program is designed to meet compliance requirements while providing agents and brokers with efficient access to a reliable market for these specialized bonds. ERISA bonds are a legal obligation for any fiduciary managing assets of an employee benefit plan—such as 401(k)s or pension plans—under the Employee Retirement Income Security Act (ERISA). Many investment advisors may be unaware of this requirement, making it a critical coverage for agents to identify and place on behalf of their clients. Ideal Accounts and Appetite This program is ideal for: Registered investment advisors (RIAs) Financial professionals managing ERISA-governed plans Fiduciaries of employee benefit or pension plans Even advisors with limited ERISA exposure may need this bond to remain compliant. Mercator Risk Services also specializes in helping with hard-to-place or distressed accounts, making this a flexible solution for a wide range of client scenarios. For example, you may have a client with a small RIA firm managing multiple 401(k) plans. They may require ERISA bonds with varying limits based on assets under management. This program can help you address those needs quickly and efficiently. Coverage Highlights and Advantages ERISA bonds written to meet federal fiduciary requirements Limits based on a percentage of plan assets, up to $500,000 per plan Simple underwriting process due to historically low exposure Competitive pricing and turnaround time Custom applications available or use of existing non-renewal applications Mercator Risk Services works closely with brokers to evaluate each client’s needs and determine the appropriate bond structure. The process is designed to be agent-friendly and time-efficient. Underwriting Notes and Minimum Premiums Underwriting is streamlined thanks to the low historical loss ratio associated with ERISA bonds. In many cases, underwriting can begin using an application you already have on file, avoiding redundancy and speeding up the process. Additional information may be requested for distressed or unusual risks. Territories and Availability This ERISA Bond program is available nationwide, including in the District of Columbia. Coverage can be placed in all 50 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, WV, WI, WY. Why Work With Preferred Concepts LLC Preferred Concepts LLC is a trusted wholesale broker offering access to multiple carriers through Mercator Risk Services. Their expertise in specialty lines and niche programs, including ERISA Bonds, allows you to confidently place business for clients with complex or non-standard needs. Whether you're dealing with a straightforward advisor account or a distressed fiduciary risk, their team can support you with fast quotes, knowledgeable underwriting, and customized application options. For more information, call (860) 527-9717 or email [email protected]. Additional resources are available at www.mercatorpro.com. Frequently Asked Questions What types of accounts are a good fit for this ERISA Bond program?This program is ideal for registered investment advisors, fiduciaries, and other professionals managing ERISA-regulated plans such as 401(k)s or pensions. Can this program handle hard-to-place or distressed ERISA bond accounts?Yes, Mercator Risk Services specializes in difficult and unusual accounts. They can assist with underwriting and placement for distressed or high-risk clients. What is the maximum bond limit available through this program?Bond limits are based on a percentage of plan assets, with a maximum of $500,000 per qualifying plan. Do I need a special application to get started?Mercator can often start with an application you already have, or they can provide a specialized form tailored to your client's needs. Is this program available in all states?Yes, the ERISA Bond program is available in all 50 states and the District of Columbia. Need help placing an account? Connect with a market specialist.

Employment Practices Liability Insurance Program from Bailey Special Risks, Inc. Bailey Special Risks, Inc. (BSR) offers a robust Employment Practices Liability Insurance (EPLI) program designed to help retail agents and brokers protect their private business clients from the growing risks of employment-related claims. This coverage is especially vital in today's litigious workplace environment where even small businesses are increasingly targeted by allegations of wrongful termination, discrimination, harassment, and retaliation. Ideal Accounts and Appetite BSR's EPLI program is tailored for private companies of various sizes and industries. Ideal accounts include small to mid-sized privately held businesses with employee counts ranging from a handful to several hundred. Target industries include, but are not limited to: Professional services firms Retail and hospitality businesses Light manufacturing and distribution Healthcare offices and clinics Nonprofit organizations Accounts with prior claims history or higher-risk employment practices may be considered based on underwriting, making this a flexible solution for brokers working with more complex risks. Coverage Highlights and Advantages BSR provides access to Employment Practices Liability coverage through a variety of A-rated carriers, giving brokers the flexibility to find the right fit for their insureds. Key coverage features include: Limits ranging from $250,000 up to $5,000,000 in a single policy Defense costs included within or outside the limits, depending on the carrier and option selected Third-party liability options available Options for wage and hour defense sublimits Risk management resources and legal hotline access through some carriers This program is particularly valuable for clients requiring tailored EPLI solutions without needing to bundle coverage with other lines. Underwriting Notes and Minimum Premiums Minimum premiums for a $1,000,000 limit start as low as $1,459, making this program accessible for a wide range of businesses. Higher limits are available up to $5,000,000, with competitive pricing based on underwriting criteria including employee count, claims history, and HR practices. BSR underwrites this program through non-admitted markets, allowing for greater flexibility and customization compared to standard admitted products. Submissions should include a completed application, current employee handbook (if available), and details of any past or pending claims. Territories and Availability This EPLI program is available to licensed agents and brokers in the following states: AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, MD, MA, MI, MS, MO, NV, NJ, NY, NC, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, WV, WI, and WY. Why Work With Bailey Special Risks, Inc.? With decades of experience as a wholesale broker, Bailey Special Risks, Inc. is known for its strong relationships with top-rated carriers and its ability to place challenging risks. Their team offers knowledgeable support, responsive service, and market access that retail agents can count on. Whether you’re working with a growing business concerned about potential HR liabilities or a client who has experienced a prior EPLI claim, BSR can help you find a solution tailored to their needs. Frequently Asked Questions What types of accounts are a good fit for this EPLI program?Private businesses of all sizes, especially in industries like professional services, retail, light manufacturing, and healthcare, are a strong fit for this program. Is prior claims history a disqualifier for submission?Not necessarily. BSR can consider accounts with prior claims depending on the nature of the claims and risk management practices in place. What is the minimum premium for this program?Minimum premiums for $1,000,000 in coverage start at approximately $1,459, though pricing may vary based on underwriting factors. Can this EPLI coverage be written on a standalone basis?Yes, this program allows for standalone EPLI policies, offering flexibility for clients who may not need bundled package solutions. In which states is this program available?This EPLI program is available in over 35 states, including CA, FL, TX, NY, IL, and many others. Need help placing an account? Connect with a market specialist.

Medical Providers Coverage from Bailey Special Risks, Inc. Bailey Special Risks, Inc. offers a unique Medical Providers Coverage program specifically designed to help protect small to mid-sized physician and dental offices from key non-malpractice liabilities. This innovative package policy targets exposures that are often overlooked by standard coverage—namely, employment practices liability, third-party discrimination, and sexual misconduct toward patients. These are some of the most concerning risks for medical offices, and this program brings them together under one streamlined solution. Ideal Accounts and Appetite This program is ideal for small to medium-sized medical or dental practices with fewer than 100 employees and a clean claims history in the relevant coverage areas. Target accounts include: Independent doctor or dentist offices Group practices or outpatient clinics Medical spas with licensed practitioners Accounts should generally have no recent history of employment-related claims, patient discrimination cases, or allegations of sexual misconduct. If the risk falls within the program’s "HIT ZONE" eligibility guidelines, you will receive a quote every time—making this program predictable and efficient for busy agents. Coverage Highlights and Advantages This package policy addresses three high-impact exposures under one roof: Employment Practices Liability Insurance (EPLI): Covers claims related to wrongful termination, harassment, discrimination, and other workplace issues. Third-Party Discrimination: Protects against allegations of discrimination or harassment brought by patients or visitors. Sexual Misconduct Liability: Provides coverage for defense costs and settlements related to allegations of inappropriate conduct toward patients. By bundling these coverages, your clients gain peace of mind and streamlined protection against some of the most damaging claims they could face. Underwriting Notes and Minimum Premiums While there is no published minimum premium, accounts with clean histories and under 100 employees are more likely to qualify for favorable rates. Risks that meet the HIT ZONE criteria receive automatic quotes, making it easy for agents to write more business efficiently. Territories and Availability This program is available in the following states: AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, MD, MA, MI, MS, MO, NV, NJ, NY, NC, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, WV, WI, and WY. It is written on a non-admitted basis through the United States Liability Insurance Group, providing flexibility in underwriting and broader risk acceptance compared to many admitted carriers. Why Work With Bailey Special Risks, Inc.? As a trusted wholesale broker, Bailey Special Risks, Inc. brings deep expertise in niche healthcare exposures and offers exclusive access to this tailored program. With a focus on responsive service and efficient quoting—especially for accounts in the HIT ZONE—BSR helps agents place difficult or underserved risks quickly and confidently. If you have physician or dental practice clients concerned about employment liability, patient discrimination, or misconduct exposures, this program is a smart solution to offer. Frequently Asked Questions What types of accounts are a good fit for this program?Small to mid-sized doctor or dentist offices with fewer than 100 employees and minimal or no prior claims in employment practices, discrimination, or sexual misconduct are ideal candidates. What coverages are included in the package?The program addresses employment practices liability, third-party discrimination, and sexual misconduct liability—three key non-malpractice exposures for medical providers. Is this program admitted or non-admitted?This program is written on a non-admitted basis through United States Liability Insurance Group, allowing for greater underwriting flexibility. How can I know if my submission qualifies for an automatic quote?If the risk meets the program’s HIT ZONE eligibility guidelines, you’ll receive a quote automatically. Clean claims history and size criteria are key factors. Which states is this program available in?This program is available in over 35 states, including CA, TX, FL, NY, IL, and many others across the country. Need help placing an account? Connect with a market specialist.

Comprehensive Property Coverage Solutions from MAXIMUM MAXIMUM offers a robust and diverse Property insurance program designed for agents and brokers seeking solutions for both standard and hard-to-place commercial property risks. Backed by access to more than 40 competitive E&S and standard markets and over $95MM in total property premiums, MAXIMUM delivers flexible and responsive placement options for a wide range of industries and property classes. Ideal Accounts and Appetite This program is best suited for agents placing complex or high-value property accounts, including: All Risk – Unique Classes: Airports Large municipal schedules School boards Food processing facilities Water service districts Metalworking operations Manufacturing Risks: Plastic injection molding Sheet metal fabrication Woodworking shops Paper and cardboard manufacturing Older, unprotected construction with high PML or non-sprinklered buildings Large Real Estate and Apartment Schedules: Apartment complexes Office buildings Vacant commercial properties Hospitality Risks: Restaurants and hotel chains, including single-location operations Up to $250MM+ in capacity, including CAT-exposed locations Coverage Highlights and Advantages MAXIMUM’s property solutions are built to accommodate high-value and CAT-exposed risks, with specialized options including: CAT Perils / Difference in Conditions (DIC): Earthquake and flood coverage available nationwide Targeted CAT capacity in high-exposure areas like California, New Madrid, and the Western U.S. Over $250MM of combined earthquake capacity available in the PML DIC coverage for all types of real estate, including apartments, offices, studios, and manufacturing facilities Flood coverage available on DIC forms in Zones A/V, excess of NFIP Coastal Windstorm Coverage: Available on All Risk or DIC basis Standalone or part of a larger schedule Deductible buy-down options Suitable for apartments, condos, hotels, and industrial buildings Underwriting Notes and Market Access MAXIMUM works exclusively through retail agents and brokers, providing strategic access to over 40 top-tier carriers in both the E&S and standard markets. The property program is placed on a non-admitted basis, allowing for flexible underwriting and creative solutions for high-risk or non-standard accounts. Although minimum premiums may vary depending on risk characteristics and location, MAXIMUM focuses on accounts large enough to benefit from customized underwriting and layered capacity strategies. Territories and Availability This program is available to licensed agents and brokers in all 50 states, including high-hazard CAT zones and urban centers. Whether you’re placing a property schedule in California, a manufacturing risk in the Midwest, or a hospitality group in the Southeast, MAXIMUM can help you secure the right market. Why Work With MAXIMUM? As a wholesale broker with deep expertise in property risks, MAXIMUM brings unmatched access, responsiveness, and underwriting creativity to your placements. Whether you’re handling a tough-to-place metal fabrication building or a multi-location hotel group in a coastal region, MAXIMUM has the tools and carrier relationships to help you succeed. You might have a client with a large apartment schedule that includes vacant units or buildings without full sprinkler protection—MAXIMUM can help with these types of risks. Or perhaps you’re working with a food processor with high PML exposure—this program is tailored to meet that challenge. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for large, complex, or hard-to-place property risks such as manufacturing facilities, apartment complexes, school boards, and buildings in CAT zones. Is coverage available for properties in high-risk CAT zones?Yes, MAXIMUM provides earthquake, flood, and windstorm coverage—including in high-hazard areas like California, the New Madrid zone, and coastal regions. Can you write vacant or unprotected buildings?Yes, MAXIMUM has appetite for vacant buildings and properties with older or unprotected construction, especially those with high PML exposures. Are these policies written on an admitted basis?No, all placements are non-admitted, allowing for greater flexibility in underwriting and policy customization. Which states is this program available in?This property program is available nationwide, including all 50 states. Need help placing an account? Connect with a market specialist.

Overview — Employment Practices Liability from Preferred Concepts LLC Preferred Concepts LLC provides access to Mercator Risk Services’ markets for Employment Practices Liability (EPL) — offering coverage options for employment accounts of many types and sizes across the U.S. EPL responds to growing exposures such as sexual harassment, wrongful termination, discrimination in hiring, and other employment-related acts that can generate defense costs, settlements, and judgments. Why this program This program gives agents access to specialty EPL capacity and underwriting expertise through Mercator Risk Services. Coverage forms and pricing vary by carrier and account profile, but the program is designed to offer broad coverage at competitive pricing for many small- and medium-sized employers. Preferred Concepts can help place routine EPL risks as well as more challenging or unusual accounts. Ideal accounts and appetite Small to mid-sized employers across many industries — professional services, retail, hospitality, light manufacturing, medical/dental practices, nonprofits and staffing firms. Organizations looking for broad EPL coverage and help with risk management and defense coordination. Hard-to-place or distressed accounts that have employment-related exposures but may be able to place with specialty markets. Coverage highlights and advantages Coverage for a wide range of employment-related claims including discrimination, harassment, wrongful termination and related legal defense costs. Multiple market options — Various carriers available — that allow you to match attachment points, limits and endorsements to client needs. Availability of standard limits appropriate for many small and mid-size organizations, with flexible deductibles and limit structures depending on the carrier and account. Underwriting and risk management support from Mercator’s specialty lines resources for defense strategy and loss control. Hard to Place: Mercator Risk Services also handles hard-to-place, distressed, and unusual EPL accounts. Tell Preferred Concepts about your client’s situation and they’ll work with Mercator’s underwriting team to provide options and guidance for placement. Underwriting notes and submission guidance Underwriting typically focuses on factors such as company size (employees and payroll), claims and litigation history, documented employment practices (handbooks, policies, training), and the nature of the workplace. Premium and terms vary significantly with exposure and class. Agents should be prepared to provide an employment practices application, loss run information, and details on HR policies when submitting a risk. Territories and availability This program is available in: 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, WV, WI, WY. Availability and specific carrier appetite can vary by state and account. Why work with Preferred Concepts LLC on EPL Access to Mercator Risk Services’ specialty EPL markets and underwriting expertise through a wholesale broker relationship. Experience placing both standard and difficult EPL risks, with guidance on risk management and paperwork to improve placement prospects. Multiple carrier options so you can seek competitive terms and limits for your client’s unique exposures. Example accounts that often fit A professional-services firm with 25–150 employees seeking a standalone EPL policy and guidance on HR best practices. A small healthcare clinic with a prior employment claim that needs a market willing to evaluate mitigations and current HR procedures. For more information, call (860) 527-9717 or send an e-mail to [email protected]. You can get additional information on applications and Specialty Lines insurance information on Mercator’s website www.mercatorpro.com. Frequently Asked Questions What types of accounts are a good fit for this EPL program?Small- and mid-sized employers across a wide range of industries are the primary targets, including firms in professional services, healthcare practices, retail, hospitality and nonprofits. The program also considers hard-to-place accounts when appropriate underwriting and mitigations are in place. What underwriting information will I need to submit?Be ready to provide an employment practices application, current loss runs, employee count or payroll, and documentation of HR policies or training programs. Prior claims and how they were resolved are a key factor in pricing and placement. Can Preferred Concepts place accounts with prior employment claims or higher exposures?Yes. Preferred Concepts works with Mercator to handle distressed or unusual accounts. Each submission is evaluated case-by-case and may require additional risk management steps or specific endorsements. How do I get a quote or start a submission?Submit the required application and loss runs to your Preferred Concepts wholesale contact; they will route the submission to the appropriate Mercator markets and provide guidance on additional information needed for underwriting. Need help placing an account? Connect with a market specialist.

Employment Practices Liability Coverage from G.J. Sullivan Company The G.J. Sullivan Company offers a comprehensive Employment Practices Liability Insurance (EPLI) program underwritten by Farmington Casualty Company. This program is crafted to meet the evolving needs of today's employers, giving retail agents access to a powerful solution for clients seeking protection from employment-related claims. With a strong focus on broad coverage, dedicated claims support, and proactive risk management tools, this program helps insureds stay compliant and protected across all 50 states. Ideal Accounts and Appetite This EPLI program is best suited for private companies and non-profit organizations across a wide range of industries. Ideal accounts include professional offices, healthcare providers, manufacturers, service-oriented businesses, and educational institutions with strong HR procedures and training practices in place. Some examples of clients that could be a great fit: A regional dental practice with 40 employees and multiple locations A non-profit counseling center with a diverse staff and volunteer base A growing tech startup with a mix of remote and on-site employees Note: The program excludes certain classes of business, including financial institutions, publicly traded companies, employee leasing firms, restaurant or retail operations with more than three locations, Indian tribes or casinos, and unions. Coverage Highlights and Advantages This EPLI program offers broad protection for a wide range of employment-related exposures, including claims of discrimination, harassment, wrongful termination, and retaliation. Key features include: Limits available up to $5,000,000 Broad definition of wrongful employment acts Punitive damages coverage (where legally permitted) Worldwide coverage for claims brought in the U.S. Non-cancelable except for nonpayment of premium Third-party liability coverage available to qualified insureds Each policy includes complimentary access to Risk Management Plus+OnlineSM, a robust suite of risk mitigation services, including: Interactive online training on employment law topics Unlimited access to employment law attorneys No additional charge for these risk management tools Underwriting Notes Submissions are evaluated based on employment practices, staff size, claims history, and risk controls in place. Businesses with established HR policies, documented procedures, and a commitment to compliance will be viewed favorably. The program is underwritten on an admitted basis through Farmington Casualty Company. Territories and Availability This EPLI program is available in all 50 states and the District of Columbia. Whether your client is based in California, Texas, New York, or anywhere in between, G.J. Sullivan can provide access to admitted EPLI coverage tailored to their needs. Why Work With G.J. Sullivan Company? As a trusted wholesale broker with decades of experience, G.J. Sullivan Company is committed to supporting independent agents and brokers with market access and underwriting expertise. This EPLI program reflects their ongoing dedication to providing competitive, value-driven solutions backed by responsive service and expert claims handling. When you partner with G.J. Sullivan, you gain more than just a market—you gain a reliable partner in protecting your insureds from costly employment-related risks. Frequently Asked Questions What types of accounts are a good fit for this EPLI program?Private companies and non-profits with strong HR practices across industries like healthcare, education, professional services, and manufacturing are ideal candidates. Are third-party liability claims covered?Yes, third-party liability coverage is available to qualified insureds as part of this program. Is the program available in all states?Yes, the EPLI program is available in all 50 states and the District of Columbia. What risk management services are included?The program includes Risk Management Plus+OnlineSM, offering interactive training and unlimited access to employment law attorneys at no extra cost. Are there any business types that are not eligible?Yes, prohibited classes include financial institutions, publicly traded companies, large restaurant/retail operations, employee leasing firms, Indian tribes/casinos, and unions. Need help placing an account? Connect with a market specialist.

Program Overview — Amwins Underwriting: Home Health Care & Medical Equipment Suppliers Amwins Program Underwriters offers a tailored program to place property and casualty coverage for home health care agencies, hospice providers, and medical equipment suppliers. With more than 40 years of specialty experience, Amwins combines deep market relationships and focused underwriting to provide broad, practical coverage for this niche. For program details see the carrier product page: property and casualty coverage needs of home health care agencies and hospice and medical equipment suppliers. States / Paper Admitted in all states except NY Available via surplus lines in Miami-Dade and Broward Counties (FL) *DME/ HME providers and distributors are only written on a non-admitted basis. Target Accounts & Appetite This program is designed for agents placing a broad range of home health and medical equipment accounts. Ideal classes include: Home Health Care Agencies / Providers Visiting Nurse Associations (VNA's) Home Infusion Providers Hospice Providers Companion Care Providers Home Medical Equipment Suppliers (with and without retail operations) Unskilled / ADL Providers DME / HME providers to homes and other facilities (Non-Invasive Equipment) Infusion Suites Drug Distributors Equipment Distributors Small Staffing Providers (under $50K in premium, not eligible in AZ, FL, IL, or NM) Accounts with standard patient-facing operations, non-invasive equipment distribution, or limited retail exposure typically fit. Higher-risk exposures (invasive medical procedures, large-scale national distributors with complex supply chains, or facilities with significant owned auto fleets) may be outside the appetite — discuss unique or larger risks with underwriting before submission. Coverage Highlights Professional Liability General Liability (Occurrence and Claims Made options in most states) Employee Benefits Liability (when PL & GL is written) Package policy includes coverage for I.C.’s while working within scope of duties for Named Insured Bodily Injury definition includes mental anguish and mental injury on the CGL Non-Owned & Hired Auto (Owned/Commercial Auto not eligible) Crime or Fidelity Bond (admitted) Sexual Abuse is included within the definition of “Professional Services Wrongful Act” in the policy form Defense costs are generally outside the policy limits on package policy Property (admitted) Excess / Umbrella (when PL & GL is written) Worldwide Coverage (claim must be filed in U.S.) Carriers & Paper The program places paper with A.M. Best "A" rated capacity and additional markets depending on class and state. Representative carriers and paper include: Ironshore Insurance Services (a Liberty Mutual Company) Bond — National Union Fire Insurance (an AIG Company) Property — admitted paper with Liberty Mutual Underwriting Notes DME/HME providers and distributors are handled on a non-admitted basis only. Owned commercial auto is not eligible; Non-owned & hired auto is offered. Sexual abuse exposures are addressed within the professional services wrongful act definition — review operations and screening practices on submission. Defense costs are typically outside the limits on package placements — review policy language for each quote. Minimum premiums and program terms vary by class and state. Please submit ACORD applications, loss runs, and a summary of operations to underwriting to obtain specific pricing and binding guidelines. Territories and Availability This program is available in most states. Availability and admitted vs. non-admitted placement vary by class and state—examples of territories where the program writes business 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, WY Why Work With Amwins Underwriting on This Business Specialized underwriting with decades of placement experience in the home health and medical equipment niche. Broad package options that combine professional and general liability with property, crime, and excess when appropriate. Access to admitted and surplus markets to help you place accounts that need admitted paper or surplus flexibility. Practical coverage features for patient care exposures (mental anguish inclusion, IC coverage within scope, worldwide coverage with U.S. claims filing). Example scenario: You may have a regional home infusion provider with limited retail operations seeking combined GL/PL with crime and property — this program can provide admitted or surplus options depending on state and exposures. Another fit would be a small home medical equipment supplier selling non-invasive devices with retail pickup — eligible for package placement on admitted or non-admitted paper per underwriting. Frequently Asked Questions What types of accounts are a good fit for this program?Typical fits include home health agencies, hospice providers, visiting nurse associations, home infusion providers, companion care, and home medical equipment suppliers that distribute non-invasive devices. Small staffing providers under the premium threshold may also qualify (see underwriting restrictions by state). How are DME/HME providers treated?DME/HME providers and equipment distributors are generally written on a non-admitted basis only. Retail operations are considered, but admitted vs. surplus placement depends on class, state, and risk characteristics. Is owned commercial auto eligible?No — owned or commercial auto is not eligible with this program. Non-owned and hired auto can be included as part of the package where appropriate. Which states are available and does availability differ by product?The program writes in most states; admitted vs. non-admitted availability varies by class and state. Certain counties in Florida and other state restrictions may apply. Confirm availability with underwriting for each specific submission. What submission materials does underwriting want?Provide a completed ACORD application, recent loss runs, and a concise operations summary describing services, staff levels, retail presence, and any contracting or credentialing processes. Underwriters may request additional documentation for higher exposures. Need help placing an account? Connect with a market specialist.