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...amp; Non Occupational Benefits to Owner Operators. Intended for Owner Operators under the age of 70, rangi...se Legal Liability, Umbrella and Occupational Accident/Contingent Liability.

...uctible Buy-Back Trucking Leased Owner/Operators Insurance Program from Avan...ilable through this program, even for owner/operators classified as independent contra...

...anchise restaurants and multi-unit owners Fine dining and upscale establis...rks well for franchise and multi-unit owners, fine dining, family-style restau...

...ns, particularly for experienced operators with strong safety programs and los...

Brown & Riding offers a competitive and flexible Apartment Building Insurance program designed specifically for surplus lines placements. As a trusted general agency and excess & surplus lines broker, Brown & Riding provides access to A-rated carriers and delivers some of the most competitive coverage solutions available in the E&S marketplace. Ideal Accounts and Appetite Apartment buildings and complexes with up to 1,000 units and multiple locations Student housing and subsidized housing placements Properties with amenities such as pools, playgrounds, and recreational areas Accounts requiring Assault & Battery coverage Locations needing Hired & Non-Owned Auto Liability Older or historic buildings that still meet underwriting standards Ineligible Risks Adult foster care or assisted living facilities Properties with armed security personnel Buildings with less than 75% annual occupancy Pools equipped with diving boards Coverage Highlights and Advantages Access to A-rated surplus lines carriers Highly competitive pricing and terms Quick quote turnaround when ACORD and supplemental apps are completed Special form and replacement cost coverage available Monoline coverage options available for flexibility Excess limits offered for larger or more complex risks Underwriting Notes and Minimum Premiums Minimum premiums start at $500 for General Liability and $1,250 for Package policies. Risks must meet basic eligibility criteria, including occupancy thresholds and acceptable property conditions. Older buildings can be considered with proper maintenance and updates. Territories and Availability This program is available on a non-admitted basis across a wide footprint, including AL, 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, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, and WY. Why Work With Brown & Riding Brown & Riding is a nationally recognized wholesale brokerage known for its deep expertise in niche property and casualty placements. Their Apartment Building Insurance program stands out for its broad eligibility, flexible coverage options, and fast, reliable service. Whether you're placing a student housing complex near a university or a subsidized housing facility with multiple locations, Brown & Riding can help you secure the right solution with confidence. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include multi-location apartment complexes, student housing, subsidized housing, and properties with amenities like pools or playgrounds. Are older apartment buildings eligible for coverage?Yes, older properties are eligible as long as they meet underwriting standards and are properly maintained. Is monoline coverage available?Yes, monoline options are available, providing flexibility for agents who need to write either property or liability on a standalone basis. What is the turnaround time for quotes?Quotes can be turned around quickly when both ACORD and supplemental applications are fully completed and submitted. Can I place risks in all states?The program is available in most states on a non-admitted basis, including over 45 states and Washington, D.C. Need help placing an account? Connect with a market specialist.

...for motor carriers and independent owner/operators. Our underwriting team know...es. We offer endorsements such as occupational disease, contingent liability, ...

Heavy Vehicle and Equipment Sales and Service Insurance Transportation Risk Services (TRS) offers a specialized insurance program for dealerships, repair shops, and service operations that sell, service, store, or transport heavy vehicles and equipment. Backed by an A-rated carrier and available on both admitted and non-admitted paper, this program gives agents and brokers flexible options for placing complex commercial auto and garage exposures. Ideal Accounts and Risk Appetite TRS targets a broad range of heavy vehicle and equipment businesses. This program is a strong fit for dealers and service operations handling: Boom trucks & bucket trucks Buses Construction equipment (loaders, excavators, etc.) Farming and agricultural equipment Forklifts and material handling equipment Logging trucks Truck/tractor and semi-trailer units Pickup and delivery operations that travel beyond 300 miles are acceptable, so long-range transport and regional delivery accounts can be placed under this program. Additional Exposures Considered Farm implements and implements dealers Horse and utility trailers Hitch and towing accessory installation On-site machining and light fabrication Storage and sale of uninstalled parts or supplies Welding operations (subject to underwriting) Coverage Highlights TRS combines a core set of garage and auto coverages with practical optional extensions designed for the heavy equipment marketplace. Available coverages include: Garage Liability – tailored for dealers and service operations with broadened coverage options Garagekeepers Legal Liability – physical damage for customer vehicles in your care, custody, or control Dealers Open Lot Coverage – for inventory on lot or yard Property Coverage – building, contents, equipment and business personal property Optional Coverage Extensions Fire Legal Liability Personal and Advertising Injury (broadened GL) False Pretense Coverage Errors & Omissions for Dealers (limited E&O exposures) Identity Recovery Related Premises & Operations Exposures Automobile parts or supplies sold over the counter without installation Retail items such as camping gear, work clothing, or kitchenware Concessionaires (snack bars, food/drink vendors on site) Mini-mart or grocery operations at dealer/service locations Underwriting Notes TRS underwrites on both admitted and non-admitted paper, with placement decided by the state and the individual risk. There is no published minimum premium; each submission is evaluated on operations, vehicle exposure, loss history, and desired coverages. Accounts involving long-distance transport, on-site machining, or welding are acceptable but will be reviewed against standard underwriting criteria and controls. Territory and Availability This program is regularly available in Illinois, Iowa, Michigan, Minnesota, and Wisconsin. Coverage outside these states may be considered on a brokerage basis depending on the risk and market appetite. Why Work With Transportation Risk Services? Based in Barrington, IL, Transportation Risk Services is an experienced MGA and wholesale broker focused on transportation and heavy auto risks. TRS provides agents with direct access to transportation-savvy underwriters and an A-rated carrier appetite for garage, auto liability, physical damage, cargo, and contractor’s equipment exposures. Practical benefits for agents include flexible admitted and E&S placement options, tailored garage forms for dealers and service shops, and underwriting that understands vehicle transit and heavy equipment handling. You might bring TRS an account such as a regional semi-trailer dealer who sells and delivers units across three states, or a rural agricultural equipment dealership that performs on-site welding and installs hitches — both are examples the program is built to consider. Frequently Asked Questions What types of accounts are a good fit for this program?This program is designed for dealerships and service operations that sell, service, store, or transport heavy vehicles and equipment — examples include boom trucks, construction machinery, buses, and farm equipment dealers. Can this program accommodate long-distance transportation of vehicles?Yes. Pickup and delivery beyond 300 miles are acceptable under the program’s underwriting guidelines, making it suitable for regional transport and delivery operations. Is coverage available on admitted paper?Yes. TRS can place accounts on both admitted and non-admitted paper depending on the state and the specifics of the risk. What additional exposures can be considered?Secondary operations such as hitch installation, limited welding, on-site machining, and the sale of uninstalled parts or supplies can be considered, subject to underwriting review. Which states is this program currently available in?This program is available in IL, IA, MI, MN, and WI. Other states may be considered on a brokerage basis. Need help placing an account? Connect with a market specialist.

...l damage options. An ambulance operator expanding into non-emergency medical...needs combined auto liability and occupational accident solutions and has a detailed trai...

...tive burden for facility users and owners. Contingency Products — Coverage...s and coverages I can quote?Typical accident medical limits range from $5,000 to $100,000 for primary accident medical coverage. Student accident plans commonly start at $25,000, ...

... Horse sales activities Homeowner associations (HOAs) with riding trails Pony ride operators The program is not ... trail riding operations, pony ride operators, horse sales activities, equine-...