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Mobile Home Parks Insurance Program OnPoint Underwriting is a nationally recognized leader in tailored insurance solutions for mobile home parks. As the largest program administrator serving this class, we give agents and brokers direct access to a comprehensive package of coverages designed for the specific risks faced by mobile home park owners and operators. With underwriting authority across multiple carriers and the ability to place business in all U.S. jurisdictions, OnPoint delivers competitive pricing, responsive service, and broad market access. Ideal Accounts and Appetite Our program is built for: Mobile home park communities of all sizes Communities with owned rental units Parks that include unscheduled buildings or business personal property Operations in coastal regions, including Florida, with CAT property exposures RV parks and mixed-use communities (optional coverage available) Typical client scenarios you can place with this program: You have a client who owns a small park with several long-term tenants and generates rental income from non-owned homes. The program’s business income wording can respond to loss of income following direct damage to those dwellings. You represent a coastal multi-location portfolio that needs admitted paper where available and surplus lines for high-CAT exposures; OnPoint’s Lloyd’s (Ascot) coverholder authority helps with coastal property placement. Coverage Highlights and Advantages Key features of the Mobile Home Parks Insurance Program include: Property and General Liability – Core protection with per-site general liability rating tailored for community owners. Business Income – Covers loss of income from damage to non-owned homes on an actual loss sustained form, with an optional extended indemnity period. Unscheduled Buildings/BPP – Coverage up to $5,000 included for unscheduled structures and business personal property. Debris Removal – Included in the standard package. Optional Coverages – Add Auto, Umbrella, RV Parks, and additional CAT-exposed property coverages as needed. Liability Enhancements – Aggregate limits per location and automatic additional-insured wording to support common contractual requirements. OnPoint maintains strong relationships with markets such as StarNet, Gemini, Lloyd’s (Ascot), Chartis, ACE, and Allied Insurance. Our Coverholder status with Lloyd’s of London (Ascot) is a distinct advantage for agents placing coastal CAT risk. Underwriting Notes and Minimum Premiums Minimum premiums start at $500, making the program accessible to smaller single-location parks as well as larger multi-site operations. OnPoint has delegated underwriting authority across multiple markets, enabling flexible pricing and policy structure to match your client’s risk profile. Typical appetite includes well-managed parks, units used for rental income, and properties where the owner maintains community-level exposures. Territories and Availability This program is available nationwide, including all 50 states and the District of Columbia. Admitted paper is available in most states; surplus lines options are offered for high-exposure or complex risks that require non-admitted placement. Why Work With OnPoint Underwriting? OnPoint Underwriting combines deep, hands-on experience in the mobile home park niche with broad market access and responsive service. We are structured to help you place accounts efficiently—whether it’s a single park or a multi-state portfolio—and to secure admitted paper where possible or surplus lines when necessary. Our underwriting team understands the operational exposures of these communities and will work with you to tailor coverage and limits to fit contractual and lender requirements. For additional information on our Mobile Home Parks Insurance, please contact Jackie Miller at [email protected] or (602) 494-6733, or visit our website at www.onpointunderwriting.com. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for mobile home parks, RV parks, and communities with owned rental units, especially those with property and general liability exposures. Can you write business in coastal states like Florida?Yes. We can cover CAT-exposed property in coastal areas, including Florida, through our Lloyd’s (Ascot) coverholder authority. What is the minimum premium for this program?The minimum premium starts at $500, making the program accessible for a wide range of risks, including smaller or single-location parks. Are optional coverages like Auto or Umbrella available?Yes. Optional coverages such as Automobile, Umbrella, RV Park coverages, and enhanced Business Income limits can be added to customize the policy. Is this program available in all states?Yes. The program is available nationwide, including all 50 states and Washington, D.C.; admitted paper is available in most states with surplus lines options for higher exposure risks. Need help placing an account? Connect with a market specialist.

Mobile Home Insurance Program offered by OnPoint Underwriting OnPoint Underwriting, in partnership with Spectrum Wholesale, offers a dedicated Mobile Home Insurance program tailored to the needs of mobile and manufactured housing owners, dealers and park operators. The program gives agents flexible placement options for accounts ranging from single-location park owners to multi-state dealers and large consolidators. This program is available in most states and includes specialized solutions for Manufactured Housing Parks, Dealers, RV Parks, and communities with owned rental units. OnPoint has underwriting and pricing authority across multiple "A" rated carriers—including StarNet, Gemini, Lloyd’s (Ascot), Chartis, ACE, and Allied Insurance—allowing a broad set of options, including CAT property placements for coastal exposures through a Lloyd’s of London Coverholder agreement. Ideal Accounts and Appetite OnPoint’s Mobile Home Insurance program is a fit for: Single- and multi-location mobile home park owners Manufactured housing dealers and sellers RV parks and communities that own rental units Accounts with property CAT exposure, including coastal risks Typical examples you can place with this program: a small park with a mix of tenant- and owner-occupied mobile homes; or a regional dealer who needs multi-state cover for inventory and premises liability. The program is designed to handle both routine and complex placement needs. Coverage Highlights and Advantages Multi-state admitted and non-admitted options with competitive rates Property and General Liability coverage tailored to mobile/manufactured housing risks Open Lot, Auto, and Umbrella capacity available Unscheduled Buildings and BPP coverage included up to $5,000 Business Income available on an Actual Loss Sustained form Optional Extended Period of Indemnity Debris removal included General Liability enhancements: aggregate limits per location and automatic Additional Insured wording These features help insureds manage property loss, liability exposure, business interruption and debris removal—with tailored enhancements that many standard programs do not provide. Underwriting Notes and Minimum Premiums The program’s minimum premium starts at $500, which makes it accessible for smaller park owners and single-location accounts. OnPoint underwrites and prices risks with delegated authority across multiple carriers for faster turnaround and flexible structure. CAT property placements are available for high-risk areas—particularly along the Gulf Coast and Southeast—subject to underwriting review. Territories and Availability OnPoint’s Mobile Home Insurance program is available in most U.S. states. Admitted markets are offered in the majority of states, with non-admitted options for higher-risk or CAT-exposed locations. Key states include: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, and WY. Why Work With OnPoint Underwriting? OnPoint is a program administrator focused on the manufactured housing sector. Agents benefit from OnPoint’s niche underwriting expertise, delegated authority across multiple A-rated carriers, and a history of placing both admitted and non-admitted accounts. Their ability to place CAT property, combined with enhanced liability and business income options, helps agents solve placement problems that standard markets may decline or limit. For additional information on our Mobile Home Insurance program, contact Jackie Miller at [email protected] or (602) 494-6733. You can also visit our website at www.onpointunderwriting.com. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include mobile home parks, manufactured housing dealers, RV parks, and communities with rental units—especially those with property or coastal CAT exposures. Is this program available in admitted markets?Yes. Admitted coverage is available in most states. Non-admitted options are offered for higher-risk or CAT-prone areas where admitted capacity is limited. What is the minimum premium for this program?The program starts at a minimum premium of $500, making it accessible for smaller accounts and single-location park owners. Can this program cover CAT-exposed properties in coastal states?Yes. OnPoint can place CAT property coverage in coastal areas—including Florida—through a Lloyd’s (Ascot) Coverholder agreement, subject to underwriting terms and eligibility. What makes OnPoint Underwriting different from other program administrators?OnPoint specializes in the mobile home and manufactured housing sector, holds underwriting authority across several carriers, and provides enhanced coverages and fast turnaround to help agents place complex risks. Need help placing an account? Connect with a market specialist.

Manufactured Housing Communities Insurance Program OnPoint Underwriting delivers a specialized insurance program tailored for Manufactured Housing Communities and Dealers. As a leading national program administrator in this niche, OnPoint brings deep expertise and access to top-rated markets to help insurance agents place business confidently and competitively. We understand the unique exposures that manufactured housing parks and communities face and have designed coverage solutions that meet both standard and complex needs across the country. Ideal Accounts and Appetite Our program is designed for: Manufactured housing community owners (single or multiple locations) Mobile home park operators Manufactured housing dealers Communities with on-site rental units RV parks (optional coverage available) This program is a great fit whether your client is a small, single-location park owner or a large consolidator with multi-state operations. You might have a client who recently acquired a mobile home park in a coastal state and needs property coverage that includes CAT exposures—OnPoint has options for that too. Coverage Highlights and Advantages OnPoint's program includes a broad suite of coverages, including: General Liability – rated per site with location-specific aggregate limits Property and CAT Property – including coastal areas like Florida via Lloyd’s of London (Ascot) Open Lot and Inland Marine Umbrella and Auto – available on an optional basis Business Income – covers loss of income due to damage to non-owned homes, with Actual Loss Sustained and optional Extended Period of Indemnity Debris Removal – included Coverage for Unscheduled Buildings and/or Business Personal Property up to $5,000 included All carriers are rated “A” or better by AM Best, and OnPoint maintains underwriting and pricing authority with multiple carriers including StarNet, Gemini, Lloyd’s (Ascot), Chartis, ACE, and Allied Insurance. Underwriting Notes and Minimum Premiums Minimum premiums start at $500, making this program accessible for small and mid-sized community operators. OnPoint has developed proprietary enhancements that improve upon standard industry offerings, helping agents deliver added value to their clients. Submissions are reviewed promptly, and our team is equipped to tailor terms based on each risk’s unique characteristics. Territories and Availability This program is available in most states nationwide, including key markets such as CA, FL, TX, AZ, NC, and more. Whether your client operates in a coastal, inland, or multi-state location, OnPoint can provide solutions to fit the jurisdiction and exposure profile. Admitted and non-admitted options are available depending on the state and risk type. Why Work With OnPoint Underwriting? OnPoint Underwriting has a long-standing reputation in the manufactured housing sector, trusted by both large national operators and single-location owners. With access to exclusive markets, responsive service, and deep program knowledge, OnPoint helps agents place risks efficiently and competitively. We offer tailored solutions, consistent underwriting, and the ability to handle complex or catastrophe-prone accounts. To learn more about placing business in our Manufactured Housing Insurance Program, please contact Jackie Miller at [email protected] or (602) 494-6733, or visit our website at www.onpointunderwriting.com. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for manufactured housing community owners, mobile home park operators, and dealers—ranging from small single-site owners to large multi-state portfolios. Can the program cover properties in coastal or CAT-prone areas?Yes, OnPoint can write CAT property coverage in coastal areas, including Florida, through our Lloyd’s of London (Ascot) Coverholder agreement. What optional coverages are available?Optional coverages include Automobile, Umbrella, RV Parks, and owned rental units within the community. Is there a minimum premium requirement?Yes, the minimum premium for this program is $500, making it accessible for smaller accounts. Which states is this program available in?This program is available in most U.S. states. Contact us to confirm availability in your client's specific location. Need help placing an account? Connect with a market specialist.

This program from T.H.E. Insurance Company provides tailored coverage for a wide range of amusement and entertainment risks. Working directly with T.H.E. lets you bypass additional MGAs and intermediaries so you can place business faster with underwriters who have binding authority and industry experience. Available package coverages include: General Liability (monoline or package) Auto Excess liability Workers Compensation Property Crime Inland Marine Overview of the Program from T.H.E. Insurance Company This Entertainment & Amusement Risks program is built for agents who need a practical market for venues, operators, and event promoters. T.H.E. underwriters focus on delivering broad package solutions that combine liability, property, auto, workers’ compensation, and ancillary lines to create cohesive placements for mid-market amusement and entertainment exposures. Ideal Accounts and Appetite Small-to-mid sized amusement parks, family entertainment centers, trampoline parks, arcades, and indoor play centers Seasonal carnivals, fairs and traveling attractions with licensed operators Fixed and mobile concessions, event promoters, and production companies for live performances Movie and film production support risks, set construction and equipment rentals (subject to inland marine and property terms) Generally acceptable risks are those with documented maintenance programs, trained staff, and reasonable loss histories. The program is not intended for major theme parks, large-scale permanent roller coaster operations, or operators with unresolved regulatory or licensing issues. Coverage Highlights and Advantages Package flexibility — write monoline GL or comprehensive packages combining property, auto, WC and more. Excess liability options to protect against high-severity incidents. Inland marine to cover mobile equipment and rented attractions while in transit. Crime coverage for cash-handling exposures at events and box offices. Direct binding authority through T.H.E., which can speed turnaround and simplify placement. Underwriting Notes and Typical Restrictions Underwriters will evaluate operator qualifications, safety programs, ride maintenance records (when applicable), contracts with vendors/independent contractors, and loss runs. High-hazard features (unrated or unmaintained mechanical rides, pyrotechnics without licensed operators, or poor safety controls) typically require additional scrutiny and may be declined or quoted with restrictions. Provide the following at submission for a faster review: current year loss runs, descriptions/photos of the site or equipment, copies of contracts with third-party vendors, and detail on staff training programs and inspection schedules. Territories and Availability Available for placement 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. Why Work With T.H.E. Insurance Company on Entertainment & Amusement Risks T.H.E. offers focused underwriting for entertainment and amusement classes and the ability to bind coverage directly — a benefit for agents who need speed and clarity on terms. Their packaged approach simplifies placements by combining complementary coverages, and the underwriting team is experienced with the unique operational and seasonal exposures common in this sector. Frequently Asked Questions What types of accounts are a good fit for this program?Accounts like family entertainment centers, small fixed amusement parks, traveling carnivals with licensed operators, concessions, and production support risks are a strong fit when they have documented safety programs and reasonable loss history. What coverages can I combine in a package?T.H.E. can offer monoline general liability or multi-line packages that include property, auto, workers’ compensation, excess liability, inland marine, and crime — allowing you to tailor terms to the client’s exposures. Which states is this program available in?This program is available in the following states: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY. What information speeds up the underwriting process?Include current loss runs, equipment descriptions or photos, maintenance and inspection records, contracts with vendors, and details on staff training and safety protocols with your submission. Are high-hazard attractions eligible?High-hazard attractions are considered on a case-by-case basis. Risks with unmaintained mechanical rides, pyrotechnics without licensed operators, or unresolved compliance issues are likely to face restrictions or declination. Need help placing an account? Connect with a market specialist.

Mobile Home Dealers Insurance Program offered by OnPoint Underwriting Spectrum Wholesale, a subsidiary of OnPoint Underwriting, offers a specialized Mobile Home Dealers Insurance Program tailored to meet the unique needs of the growing manufactured housing industry. With over 15 years of nationwide experience, this program delivers comprehensive coverage solutions and responsive claims handling for retail agents serving both small operations and large-scale mobile home dealerships. As a Managing General Agency and Excess & Surplus Lines Broker, OnPoint Underwriting brings strong market relationships and underwriting authority with top-rated carriers, including StarNet, Gemini, Lloyd’s (Ascot), Chartis, ACE, and Allied Insurance. Through a Coverholder agreement with Lloyd’s of London, the program also has the capacity to place CAT-exposed property risks in coastal areas, including Florida. Ideal Accounts and Appetite This program is designed for: Mobile home dealers (retail and wholesale) RV parks and communities with owned rental units Property owners of manufactured housing communities Dealers located in CAT-exposed and coastal areas, including Florida You might have a client operating a multi-location dealership with open lot exposure or a small independent dealer that needs liability and property coverage—this program can meet both needs with flexible underwriting and optional enhancements. Coverage Highlights and Advantages Multi-state coverage with competitive rates Liability and property coverage included Open lot protection for inventory Optional coverage for automobile and umbrella exposures Coverage for unscheduled buildings and/or business personal property up to $5,000 included Debris removal included as a standard feature Property CAT exposure options available General liability extensions with aggregate limits per location and automatic additional insured language General liability rated on a per-site basis for community owners Underwriting Notes and Minimum Premiums Minimum premiums start at $500, making the program accessible for a wide range of accounts. OnPoint Underwriting has pricing authority with multiple carriers, allowing for tailored solutions and efficient quote turnaround. Territories and Availability The Mobile Home Dealers Insurance Program is available in most 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 Work With OnPoint Underwriting With deep expertise in the mobile home dealer sector, OnPoint Underwriting and Spectrum Wholesale provide agents with access to competitive markets, flexible underwriting, and responsive service. Their long-standing carrier partnerships and in-house authority make them a trusted partner for placing complex or specialty risks in this niche industry. For additional information, please contact Jackie Miller at [email protected] or (602) 494-6733, or visit www.onpointunderwriting.com. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for mobile home dealers, RV parks, and manufactured housing communities with owned rental units. It also works well for accounts with open lot exposure or CAT property risks. Is the program available in coastal or CAT-prone areas?Yes, through a Coverholder agreement with Lloyd’s of London (Ascot), the program can place CAT property coverage, including in coastal states like Florida. What optional coverages are available?Optional coverages include automobile, umbrella, RV park liability, and general liability extensions with per-location aggregates and automatic additional insured wording. What is the minimum premium for this program?The program has a minimum premium of $500, making it accessible for smaller accounts as well as larger operations. Which carriers are involved in this program?The program accesses several A-rated carriers, including StarNet, Gemini, Lloyd’s (Ascot), Chartis, ACE, and Allied Insurance. Need help placing an account? Connect with a market specialist.

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K&K Insurance offers coverage for both private and franchised campgrounds through our Campground Insurance Program. The program provides coverage for ancillary activities including waterslides, amusement devices, and motorized boating. Day Camps are also eligible through this program. Eligible Operations for Campground Insurance: - Private campground insurance - Franchised campground insurance - RV parks insurance Coverages Available & Program Highlights: General Liability - Broadened Coverage Form - Non-audited Policy - No Deductible - Liquor Liability - Fireworks Liability - Expanded Bodily Injury Definition - Nonowned Watercraft up to 51’ - Personal and Advertising Injury Definition Expanded - Crisis Response Coverage - Trailer Spotting Property - More Than 25 Coverage Expansions - Equipment Breakdown Included - Vacancy Clause Redefined to Address Seasonal Operations - Building Definition Redefined to Include: tent platforms, pavilions and shelters, signs, boat and canoe racks, permanently installed playground equipment, adventure course structures and climbing walls and above ground tanks - Business Interruption (Civil Authority Expansion Available in certain states) - Emergency vacating expenses - Full Building Ordinance "A" Coverage Inland Marine Commercial Crime Commercial Auto Excess Liability Workers’ Compensation Common Associated Exposures: - Golf courses - Miniature golf - Golf driving ranges - Playgrounds - Hiking trails - Horseback riding - Recreational boating/canoeing - Swimming 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

Policy Highlights for Private Investigative Agencies: Colonial General Insurance Agency, Inc. offers a dedicated Private Investigative Agencies Insurance program designed for firms that provide armed or unarmed security personnel (with or without animals), private investigators, polygraphists, process servers, firearms training/certification schools, and claims adjusters with limited draft authority. Property and liability coverages are available on a monoline or package basis through admitted and surplus markets. Overview of the Program from Colonial General This program gives independent agents access to specialized underwriting for investigative and security-related operations across the Mountain West and Southwest. Coverage is placed through a mix of admitted and excess & surplus markets depending on exposure and state—Colonial General acts as a managing general agency and E&S broker to match accounts to appropriate markets. Ideal Accounts and Appetite Stand-alone private investigative firms providing surveillance, background checks, skip tracing, and process serving. Security and patrol companies offering armed or unarmed guards, including K9 units. Firearms training or certification schools, and instructors with documented curricula and safety procedures. Claims adjusters operating with draft authority of $5,000 or less. We typically favor businesses with formal policies, documented training, and clear limits on employee authority. Accounts with high-risk activities (e.g., private military contracting, high-value executive protection with weapons policy gaps, or significant guard force violence claims history) may be declined or require referrals to specialty markets. Coverage Highlights and Advantages Commercial General Liability available with primary limits up to $3,000,000 (occurrence and aggregate). $5,000 Medical Payments coverage included. Additional interests extended—$100 each. Assault & Battery included at policy limits; sub-limits available with a rate adjustment. Errors & Omissions (E&O) coverage part available to address professional liabilities. Lost Key coverage—$25,000 limit on qualifying Security & Patrol accounts. Property Damage Extension (care, custody & control) included at $5,000 / $25,000 limits on Security & Patrol Program placements. Excess/umbrella capacity up to $25 million for larger aggregate needs. Property options: Basic, Broad, or Special forms for building, contents, and business income; replacement cost or actual cash value available. Crime coverage available for inside and outside the premises theft, robbery/safe burglary, and related exposures. Underwriting Notes Underwriters will review training programs, hiring and background screening procedures, use-of-force policies, vehicle operations, and contract language. Key factors that influence pricing and placement include: Degree of armed operations and documented firearms training. Claims and loss history, especially related to assault, battery, or weapons incidents. Whether patrols are stationary or mobile and if animals (K9) are used. Contractual indemnities, client indemnification language, and hold-harmless agreements. Because Colonial General works with both admitted and surplus markets in some states, placement may vary by state and account characteristics. Refer to the company’s underwriting guidelines for additional submission requirements. Territories and Availability This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Availability may vary by carrier; some classes may be placed admitted where markets permit, while others will be placed non-admitted through E&S facilities. Why Work With Colonial General on Private Investigative Business Colonial General combines specialty underwriting relationships with program-level knowledge of investigative and security risks. Agents benefit from targeted coverage options (including assault & battery and lost key limits), access to excess capacity, and flexible property/crime combinations that fit the common exposures of this sector. A risk management/loss prevention brochure is available to help insureds reduce frequency and severity of losses. Example Fits You might have a mid-size private investigation firm that conducts surveillance and background checks with a small fleet of marked vehicles—this program can package GL, E&O, and business property on one placement. A local firearms training school with certified instructors and written safety protocols may qualify for liability and premises property coverage, with options to add excess limits as class sizes grow. Frequently Asked Questions What types of accounts are a good fit for Colonial General’s Private Investigative Agencies program?Firms providing private investigation, process serving, polygraph services, security and patrol (armed or unarmed), K9 units, firearms training schools, and claims adjusters with limited draft authority are good fits—especially those with formal training and documented procedures. Are assault and battery exposures covered?Yes. Assault & battery coverage is included at policy limits; sub-limits may be available with an adjustment to pricing depending on the account’s risk profile and history. Can I place property and crime coverages through this program?Yes. Property coverage (basic, broad, or special form) for building, contents, and business income is available, and crime forms include inside and outside premises theft and robbery/safe burglary options. Which states are eligible for this program?The program writes in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Placement availability (admitted vs. non-admitted) varies by state and carrier. What information should I include with a submission?Provide a current application, loss history, employee screening and training procedures, sample contracts, and details on armed operations or K9 use. Specific requirements are available from Colonial General’s underwriting team. Need help placing an account? Connect with a market specialist.

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Agents across the country can rely on MAXIMUM to deliver customized solutions for all their Contract Binding Insurance needs. With team-based underwriting, deep market access, and delegated binding authority, MAXIMUM is a wholesale broker you can use to place a wide range of property and casualty risks quickly and efficiently. Comprehensive Solutions for Complex Risks At MAXIMUM, we understand the practical challenges agents face when binding contracts. Our Contract Binding Insurance program supports both commercial and personal lines and is designed to be flexible enough to address unique exposures across many industries and asset types. Target Classes of Business Our Contract Binding Insurance program is well suited for a broad mix of insureds. We actively write business for: • Artisan and General Contractors • Apartment Buildings and Condominiums • Convenience Stores and Gas Stations • Co-ops (Commercial and Residential) • Homeowners and Townhouses • Grocery Distributors and Meat/Fish/Poultry Facilities • Microbreweries, Restaurants, Taverns, and Bars • Hotels, Motels, and Mobile Home Parks • Office Buildings and Shopping Centers • Lessors Risk Only (LRO) Properties • Tobacco Stores and Vacant Properties • Warehouses and Storage Risks Whether you have a contractor who needs flexible liability terms or a retail property owner looking for tailored property coverage, our program is built to help you place the account efficiently. Coverage Highlights Our binding authority program includes a range of coverages designed to address common real-world exposures. Property Coverages: • Equipment Breakdown • Building, BPP, Signs, and Business Income • Wind Exposure (Tiers 1 & 2) • Enhanced Property Endorsements • Inland Marine (limits up to $250K) Property limits are available up to $5 million Total Insured Value (TIV) per location. Casualty Coverages: • Employee Benefits Liability • Hired and Non-Owned Auto Liability • Jobsite and Location-specific Aggregates • Hostile Fire Pollution Buybacks (CG2155 and CG2165) • In-house GL limits up to $2M/$4M Garage Keepers Legal Liability is available for valet operations. We write more than 700 eligible general liability classes and offer optional Liquor Liability, Excess/Umbrella, and manuscript endorsements or restrictions where appropriate. All forms follow ISO General Liability and Property 2007 editions. Underwriting & Premium Guidelines The program is structured to be flexible, but standard underwriting parameters apply. Minimum premium starts at $500, making the program accessible for small and mid-sized accounts. We evaluate each submission on its individual merits and work with you to craft terms that reflect the client’s operations and risk profile. Typical considerations include prior loss history, occupancy and construction details for property, and operations/exposure for liability classes. For complex or higher-limit placements, we can coordinate access to excess markets and manuscript wording when needed. Territories and Admitted Status MAXIMUM offers this binding program in all 50 states plus Washington, DC. We place business on both admitted and non-admitted paper depending on state rules and the nature of the risk. Why Partner With MAXIMUM? As a wholesale broker focused on binding authority placements, MAXIMUM provides: Deep access to P&C carrier markets and specialty capacity Dedicated underwriting teams with delegated binding authority Customized solutions for both standard and harder-to-place risks Responsive support during quoting and binding to help you move accounts faster Example account scenarios you can place through this program: A regional microbrewery seeking combined property, GL, and liquor liability with equipment breakdown — coverage up to local capacity and tailored endorsements for brewing operations. An owner of a small apartment building (LRO) with moderate fire exposure needing property limits up to $3M TIV and in-house GL with location aggregates. Whether you’re placing a vacant commercial building in Florida or a neighborhood restaurant in the Midwest, we’re positioned to help you secure the coverage your clients need—fast. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for small to mid-sized commercial property and casualty risks, including contractors, LROs, apartment buildings, retail operations, and hospitality businesses. What is the minimum premium for the Contract Binding Insurance program?The minimum premium starts at $500, depending on the risk and coverages selected. Are both property and casualty coverages available?Yes. We offer comprehensive property and casualty coverages, including building, BPP, inland marine, general liability, excess, and more. Can you accommodate risks in all 50 states?Yes. This program is available in all 50 states and Washington, DC. We have access to both admitted and non-admitted markets based on state requirements and the type of risk. Do you offer coverage for vacant properties?Yes. We can provide solutions for vacant exposures, including vacant buildings and land, subject to underwriting review. Need help placing an account? Connect with a market specialist.