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Overview — Actuaries Errors & Omissions (E&O) Program Preferred Concepts LLC offers agents access to a specialized actuary professional liability (Errors & Omissions) program through Mercator Risk Services. This program targets actuarial consultants, in-house actuaries and other insurance-related actuarial professionals who need professional liability coverage. The market for actuarial E&O is selective; Mercator works with multiple carriers and underwriting teams to place accounts that many standard markets will not accept. Who this program is built for Mercator Risk Services has experience placing proposals for a range of consulting accounts, including but not limited to: Pension actuary Actuarial consultant with concentration in medical malpractice Actuary employed by an insurance brokerage operation for rate development Coverage focus and advantages Targeted E&O wording tailored to actuarial exposures, including professional advice, data analysis and rate development. Access to multiple admitted and surplus lines carriers to increase placement options for difficult or niche risks. Underwriters experienced with actuarial practices and the professional services exposures that accompany consulting, brokerage and in-house actuarial work. Ability to consider accounts with prior claims, financial impairment, or unusual risk characteristics that standard markets often decline. Ideal accounts and appetite This program is a fit for insurance agents and brokers placing: Independent actuarial consultants and small consulting firms In-house actuaries working for brokers or carriers where the exposure involves rate development, reserving or consulting advice Actuarial specialists who support medical malpractice programs or other healthcare exposures Generally, Mercator will consider both routine and hard-to-place actuarial accounts. Accounts with significant claims history, insolvency concerns, or high-severity exposures should be presented with full details; Mercator evaluates these on a case-by-case basis and has solutions for distressed or distressed-appearing accounts. Underwriting notes Mercator can usually start a submission using your existing application (except renewals), or they can provide a specialized application for actuarial accounts. Important submission items typically include a description of services, firm size and staffing, prior acts and claims history, sample engagement letters, and financial information when relevant. Minimum premiums and specific terms vary by carrier and risk profile. Hard to Place: Mercator routinely handles hard to place, distressed and unusual accounts. If your client has claims, adverse financial information, or an unusual scope of services, include full details up front so they can provide appropriate options. Territories and availability 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, DC, WV, WI, WY. Availability and admitted/non-admitted options may vary by state and carrier. Practical examples You might have a client who is an independent pension actuary providing funding advice to multiple small employers — this program can consider such firms for professional liability protection. You may represent an actuary who performs rate development for a specialty brokerage and has a prior minor claim — Mercator can evaluate and often place these harder-to-place risks. How to submit and contact Preferred Concepts LLC connects agents with Mercator Risk Services to evaluate actuarial E&O placements. For more information, please call (860) 527-9717 or send an e-mail to [email protected]. You can get additional information on their products, insurance applications, and Specialty Lines insurance information on their Web site www.mercatorpro.com. Frequently Asked Questions What types of actuarial accounts are a good fit for this program?This program is designed for independent actuarial consultants, pension actuaries, actuaries working for brokerages on rate development, and specialists in areas such as medical malpractice. Mercator can also consider accounts with non-standard features on a case-by-case basis. Can you place accounts with prior claims or financial issues?Yes. Mercator has experience handling hard-to-place and distressed accounts, including those with prior claims or financial impairment. Provide full details in the submission so underwriters can assess options. What application materials will underwriters need?Typical items include a description of services, client list or engagement types, prior acts/claims information, sample engagement letters, and basic financial or staffing information. Mercator can often work from your standard application or provide a tailored application. Are policies available admitted or surplus lines?Mercator works with a variety of markets and can access both admitted and non-admitted (surplus) solutions where appropriate. Availability depends on the state and the individual risk characteristics. How do I begin a submission through Preferred Concepts LLC?Start by preparing a concise submission with the items noted above and contact the Mercator team via the provided phone or email. They will guide you on the appropriate carriers and next steps for underwriting. Need help placing an account? Connect with a market specialist.

Fiduciary Liability Insurance & ERISA The Employee Retirement Income Security Act of 1974 (ERISA) creates broad fiduciary responsibilities for anyone who designs, sponsors, administers or manages employee benefit plans. Employers, plan administrators, plan committees and individual fiduciaries can face claims arising from pension and welfare plans, including 401(k)s, profit-sharing plans, medical and life benefits, scholarship programs and prepaid legal plans. Common allegations we see on Fiduciary Liability accounts include: Errors during plan mergers, terminations or asset transfers Negligent administration or procedural mistakes Inadequate or inaccurate plan disclosures Allegations of imprudent investment of plan assets Failure to pursue or collect delinquent contributions Claims based on lack of due diligence in selecting or monitoring service providers Other miscellaneous fiduciary breach allegations Alexander J. Wayne & Associates, Inc. offers both standalone Fiduciary Liability policies and D&O package options that include fiduciary coverage—delivered as a wholesale broker with access to all major U.S. carriers and Lloyd’s of London (domestic and London open market). Overview — Program from Alexander J. Wayne & Associates, Inc. As a wholesale broker, Alexander J. Wayne & Associates places Fiduciary Liability Insurance for plan sponsors, administrators and fiduciaries who need ERISA-focused protection. We work with admitted and non-admitted markets to find solutions for straightforward and complex single-employer plans, multiple-employer plans and third-party administrators. Ideal Accounts and Appetite Private and public employers that sponsor 401(k), pension, profit-sharing and welfare plans Plan administrators, boards of trustees and named fiduciaries seeking fiduciary error defense Third-party administrators (TPAs) and recordkeepers with clear controls and documented procedures Taft-Hartley funds and multi-employer plans with standard governance practices We typically consider accounts with documented governance, regular investment monitoring, and up-to-date plan disclosures. Accounts with ongoing litigation, significant asset miss-management or material regulatory violations may require special underwriting and placement strategies. Coverage Highlights and Advantages Standalone fiduciary forms or packaged with Directors & Officers coverage for broader protection Access to competitive markets, including Lloyd’s capacity for large or complex placements Underwriting tailored for ERISA exposures—focus on plan governance, investment oversight and sponsor practices Flexible limit and deductible structures depending on risk characteristics Underwriting Notes and Submission Tips Provide the following to speed placement: current plan documents, recent Form 5500s, summary plan descriptions, investment policy statements, fiduciary training records and details on any prior or pending claims. Highlight documented procedures for monitoring investments and selecting service providers. If you have an account with recent plan mergers, terminations or suspicious asset transfers, disclose those early in the submission—those items materially affect terms and market selection. Territories and Availability This program is available through Alexander J. Wayne & Associates in the following states and territories: 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. We place both admitted and non-admitted coverage depending on the risk and client needs. Why Work With Alexander J. Wayne & Associates, Inc.? Wholesale broker relationships with major U.S. carriers and Lloyd’s of London for broad capacity Experience placing ERISA and fiduciary risks across a wide range of industries and plan sizes Responsive underwriting advocacy to secure appropriate forms and competitive terms Options for standalone fiduciary policies or combined D&O/Fiduciary placements Example scenarios You have a mid-size employer sponsoring a 401(k) and a small defined benefit plan that needs standalone fiduciary limits and ERISA defense—this program can access carriers that are comfortable with mixed-plan portfolios. You represent a TPA seeking fiduciary coverage for third-party administration services with documented controls—markets through Alexander J. Wayne can consider package placements or standalone forms. Frequently Asked Questions What types of accounts are a good fit for this Fiduciary Liability program?Plan sponsors (401(k), profit-sharing, pension), plan administrators, TPAs and boards of trustees with documented governance and investment oversight are ideal. Taft-Hartley and multi-employer plans with regular reporting are also considered. Do you offer standalone fiduciary coverage or only package placements?We offer both. Alexander J. Wayne places standalone Fiduciary Liability policies and D&O package policies that include fiduciary coverage, depending on market appetite and the client’s needs. Which states and markets are available?The 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, DC, WV, WI and WY. We place with major U.S. carriers and Lloyd’s of London across admitted and non-admitted markets. What key documents should I include with a submission?Include plan documents, Form 5500s, summary plan descriptions, investment policy statements, records of fiduciary training and any prior claim history to speed underwriting and improve placement options. Need help placing an account? Connect with a market specialist.

Long Term Care Insurance Funding Opportunities Under the Pension Protection Act of 2006 The Pension Protecton Act of 2006 contained provisions that became effective on January 1, 2010 that offers significant tax benefits when funding for Long Term Care meeds. In summary, the provisions included the following: Long Term Care insurance offered as a rider on a linked benefit annuity contract can be tax-qualified. Internal charges to pay the qualified long term care insurance rider added to a life insurance policy or annuity contract are not treated as taxable distributions. Life insurance policies and non-qualified annuities can be exchanged tax free (under Section 1035) to pay premiums for traditional long term care insurance policies

Fiduciary Liability Insurance pays, on behalf of the insured, legal liability arising from claims that fiduciaries failed to prudently manage employee benefit plans under applicable law. Fiduciary Insurance Program From OnPoint Underwriting OnPoint Underwriting offers a focused Fiduciary Insurance program that helps protect plan sponsors, plan fiduciaries, trustees, and administrators from liability tied to the management and administration of employee benefit plans. The program is designed for ERISA-regulated plans including retirement plans, 401(k) plans, pension plans, and health and welfare plans, and addresses exposures from alleged mismanagement, recordkeeping errors, and breaches of fiduciary duty. Available through multiple carriers and offered in both admitted and non-admitted markets, this program is accessible nationwide. OnPoint’s appetite and carrier relationships let you place standard accounts as well as more complex or higher-exposure risks that require tailored terms. Ideal Accounts and Appetite This program is a practical fit for agents and brokers placing business for clients who sponsor or administer employee benefit plans. Typical accounts include: Small to midsize employers offering 401(k), defined contribution, or pension plans Nonprofit organizations, universities, and schools with employee benefit programs Municipalities and government entities responsible for employee plans You might have a client who recently added a 401(k) and needs fiduciary protection for new plan administrators, or a nonprofit that wants coverage for potential errors in plan administration or missed filings. The program can respond to accounts with prior compliance issues or more complex plan structures that need enhanced definitions and sublimits. Coverage Highlights and Advantages Fiduciary Insurance Program Highlights: Defense costs outside the limit Voluntary compliance loss and delinquent filer penalties coverages HIPAA Coverage Enhanced definition of Claim Sublimit of $100,000 for Voluntary Compliance Loss and Delinquent Filer Penalties coverage Civil money penalties imposed for violations of the Pension Protection Act Sublimit of $25,000 for civil money penalties imposed for violations of the Pension Protection Act Sublimit of $25,000 for civil money penalties imposed for violations of Section 502© of ERISA Comprehensive all-encompassing Omnibus plans coverage for all employee benefit plans with no listing requirement Underwriting Notes and Minimum Premiums OnPoint has no stated minimum premium, which makes this program accessible for a range of account sizes. Underwriting reviews focus on plan types, assets under management, claims history, service provider oversight, and internal controls around plan administration. Because OnPoint works with a panel of carriers, they can often accommodate accounts that need specific wording or sublimit structures. Enhanced definitions and targeted sublimits make the program attractive for plans that require HIPAA coverages, voluntary compliance assistance, or civil penalty protection. Territories and Availability This Fiduciary Insurance program is available nationwide — all 50 states and Washington, D.C. — and can be placed in both admitted and non-admitted markets to fit regulatory and pricing needs. Why Work With OnPoint Underwriting As a specialized program administrator, OnPoint Underwriting combines niche fiduciary expertise with responsive underwriting and broad carrier access. That combination helps you secure tailored coverage for complex benefit plans, negotiate terms for accounts with prior issues, and place business efficiently across multiple markets. To discuss placements or for more program details, contact Leaticia Roberts at (404) 460-1372 or [email protected]. For company information visit www.onpointunderwriting.com. Frequently Asked Questions What types of accounts are a good fit for this Fiduciary Insurance program?Small to midsize businesses, nonprofits, schools, and municipalities that sponsor or administer employee benefit plans are ideal candidates for this program. Is there a minimum premium requirement?No. There is no stated minimum premium, which provides flexibility across a range of account sizes. In which states is this program available?This program is available in all 50 states and Washington, D.C., with access to both admitted and non-admitted markets. What are some key coverages included in the program?Highlights include defense costs outside the limit, HIPAA coverage, voluntary compliance loss, delinquent filer penalties, and civil money penalties related to fiduciary and plan administration exposures. What makes OnPoint Underwriting a strong partner for fiduciary coverage?OnPoint offers specialized fiduciary underwriting, flexible placement options across multiple carriers, and the ability to craft coverage for complex plan structures or accounts with prior compliance concerns. Need help placing an account? Connect with a market specialist.

Accountant and Bookkeeper Insurance Program from First Choice Insurance Intermediaries First Choice Insurance Intermediaries, Inc. offers a focused insurance solution for accounting professionals through our Accountant and Bookkeeper Insurance program. Built for independent agents and brokers, this program provides targeted coverage for a wide range of accounting services, access to top carriers, and a streamlined quoting process so you can place your clients’ business quickly and confidently. Ideal Accounts and Eligible Professions This program is best for solo practitioners and small to mid-sized firms in the accounting and financial services space. Eligible professions include: Bookkeepers Certified Public Accountants (CPAs) Financial Preparers Management Accountants Risk Advisory Accountants Taxation Accountants We also provide coverage for over 180 additional professional classes. To view the full list of eligible professions, see our Appetite Guide. Ineligible classes include: Financial or pension auditing Mergers and acquisitions consulting Public, SEC, or high net worth auditing Registered financial advising Tax shelter planning Coverage Highlights and Advantages This program includes core coverages designed for accounting professionals: General Liability: $100,000 for damage to premises rented Business Owner’s Policy (BOP): $100,000 for damage to premises rented Professional Liability: Includes third-party discrimination coverage with a $100,000 limit (available for accountant policies only) *BOP coverage is not available in the following states: AK, AL, AR, DE, FL, HI, ID, IA, KS, KY, LA, ME, MS, MT, NE, ND, NH, NM, NV, OK, OR, RI, SC, SD, TN, UT, VA, VT, WA, WV, WY. Coverage is offered on an admitted basis in select states, giving insureds the option of regulated, admitted paper where available. Underwriting Notes We target low- to moderate-risk accounting exposures with clean loss histories. This program is not intended for firms that perform high-risk financial services such as investment advising, SEC-level auditing, or other high-exposure work. Good examples of fit: A small CPA firm that provides tax preparation and bookkeeping for local businesses An independent bookkeeper who contracts with multiple small clients States Where Coverage is Available This program is available in the following states: AL, CA, CO, CT, DE, FL, GA, IL, IN, KS, LA, MD, MA, MI, MO, NV, NJ, NM, NY, NC, OH, OR, PA, SC, TN, TX, VA, WA. Please note that availability of specific coverages such as BOP can vary by state and by carrier. Why Work with First Choice Insurance Intermediaries As a wholesale broker, First Choice Insurance Intermediaries, Inc. combines deep expertise in professional liability with market access to top-rated carriers. We focus on responsive service and practical underwriting guidance so you can place accounting and bookkeeping risks efficiently. Whether you are submitting a straightforward solo practitioner or managing a book of small firm accounts, we offer the placement support and admitted/non-admitted options to help you get the business bound. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for small to mid-sized accounting firms, CPAs, bookkeepers, and financial preparers with low to moderate risk profiles and clean loss histories. Are there any professions that are not eligible?Yes. The program excludes financial or pension auditors, SEC/public auditors, registered financial advisors, and firms involved in mergers, acquisitions, or tax shelter planning. Is BOP coverage available in all states?No. BOP is restricted in a number of states—refer to the BOP exclusion list above or contact us for state-specific availability. Can I access other professional liability markets through First Choice?Yes. We offer access to more than 180 professional classes through partner carriers. View the Appetite Guide for additional eligible classes. What carriers are used for this program?We work with top-rated admitted and non-admitted carriers depending on state and account profile to provide the best available options for your clients. Need help placing an account? Connect with a market specialist.

Continental Risk / Continental Marine Insurance Services offers comprehensive Directors and Officers (D&O) insurance solutions tailored for both non-profit and for-profit organizations. This program is designed to help insurance agents and brokers place coverage that protects key decision-makers and entities from a wide array of management liability exposures. The D&O program covers directors, officers, trustees, employees, volunteers, and the organization itself. It goes beyond traditional liability coverage to address complex and emerging risks, including allegations of fraud, misrepresentation, unfair competition, employment practices violations, and mismanagement of employee or pension benefit plans. Ideal Accounts and Appetite Private Companies: Closely held businesses across most industries. Not-for-Profit Organizations: Including charities, associations, and foundations. Public Entities: Select publicly traded companies (contact for underwriting review). Excess Coverage: Available for companies seeking additional layers of protection. Coverage Highlights and Advantages Directors & Officers Liability: Protects insureds from claims related to management decisions and negligence in their executive roles. Fiduciary Liability: Covers fiduciary duties related to employee benefit plans; available on a primary or excess basis. Employment Practices Liability: Addresses claims such as wrongful termination, discrimination, and sexual harassment. Tenant Discrimination Coverage: Helps property owners and managers defend against discrimination claims brought by prospective, current, or former tenants. Underwriting Notes and Minimum Premiums Primary and excess options are available with flexible structuring. Separate limit towers and retentions can be applied for each coverage part. Coverage is non-cancellable except for non-payment of premium. Capacity limits up to $10 million are available. Primary coverage suitable for entities with revenues up to $750 million. Excess coverage available with no revenue threshold. All classes considered except financial institutions. Minimum premiums vary depending on risk characteristics. Territories and Availability Available in all 50 states and Washington, DC. Some markets are admitted, while others are non-admitted, depending on jurisdiction and risk profile. Why Work With Continental Risk Continental Risk is an experienced Excess & Surplus Lines Broker with access to a broad spectrum of carriers. They offer tailored solutions for complex management liability exposures across various industries. Their underwriting team understands the nuanced needs of both non-profit and corporate clients. Responsive service and flexible program design help agents secure competitive coverage for difficult-to-place risks. Whether you have a non-profit board seeking protection for its volunteers or a mid-sized private company concerned about employment practices claims, Continental Risk provides a robust and flexible D&O insurance solution. Their expansive state availability and ability to write both primary and excess layers make them a valuable partner for agents placing management liability accounts. Frequently Asked Questions What types of accounts are a good fit for this D&O program?This program is ideal for private companies, not-for-profit organizations, and select public companies seeking primary or excess Directors and Officers coverage. Does the program include employment practices liability?Yes, Employment Practices Liability Insurance (EPLI) is available and covers claims such as wrongful termination, discrimination, and harassment. Can I write coverage in any state?Yes, this program is available in all 50 states and Washington, DC. Admitted status may vary by market and state. What is the maximum coverage limit available?Capacity limits are available up to $10 million, depending on the risk and coverage part. Is there a revenue cap for eligible accounts?Primary coverage is available for companies with revenues up to $750 million. There is no revenue limit for excess placements. Need help placing an account? Connect with a market specialist.

Overview of the Bollinger Club Program For more than two decades, Bollinger, Inc. has specialized in insurance for clubs and golf courses. The Bollinger Club Program delivers tailored property, casualty and employee benefit solutions for country clubs, golf courses, private clubs and nonprofit social or recreational clubs. Coverage options are designed to address the operational exposures common to the club industry, including liquor service, grounds maintenance, pesticide applications and special event operations. Ideal Accounts and Appetite The program fits a broad range of club-related risks, particularly well-managed organizations with stable loss histories. Typical accounts include: Private golf and country clubs Nonprofit social and recreational clubs Clubs with on-site restaurants, bars or banquet operations Properties that perform pesticide or grounds maintenance applications Operations with fleet or service vehicles, including valet or maintenance vehicles Examples you might place: a full-service golf course with banquet facilities and liquor exposure, or a seasonal nonprofit boating club that needs property, liability and employee benefit designs for a small staff. Accounts with excessive prior losses, unmanaged liquor exposure, or high-frequency severe claims may be outside the appetite. Coverage Highlights and Advantages The Bollinger Club Program offers multi-line flexibility so you can package necessary protections for a single premium administration. Key coverages include: Comprehensive General Liability Property and Inland Marine Commercial Auto Liquor Liability Pesticide & Herbicide Applicator Liability Workers' Compensation Directors & Officers (D&O) Liability Excess/Umbrella Liability (available up to $50 million) Group benefits — medical, dental, disability, life and prescription plans — are available alongside pension support and 401(k) options for nonprofit clubs. Packaging multiple lines through Bollinger can simplify placement and renewals for complex club operations. Underwriting Notes and Minimum Premiums Coverage is placed on a non-admitted basis through AIG. Bollinger underwriters work collaboratively with brokers to tailor limits, endorsements and risk management requirements to each account. Minimum premium requirements depend on the lines placed and the size and risk characteristics of the club; discuss specifics with your Bollinger market specialist when submitting. Territories and Availability The Bollinger Club Program is written for risks located in all 50 states and the District of Columbia, 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 Bollinger Bollinger brings more than 21 years of club and golf industry specialization, strong market access through AIG, and an underwriting team experienced in the nuances of club operations. Brokers benefit from program-focused expertise that helps place complex accounts, streamline multi-line designs, and support retention through informed renewal strategies. Frequently Asked Questions What types of accounts are a good fit for this program?The program is ideal for private golf clubs, nonprofit social clubs, and recreational facilities that need property, liability, and employee benefit coverage tailored to club operations. Is the program admitted or non-admitted?The Bollinger Club Program is placed on a non-admitted basis through AIG. What coverages are included in the program?Available coverages include general liability, property, auto, liquor liability, D&O, workers' compensation, excess liability, and employee benefits. Are benefits programs like medical and dental included?Yes. Group benefits such as medical, dental, disability, life insurance, and 401(k) plans are available and commonly packaged for nonprofit and member clubs. What states is the program available in?The program is available nationwide in all 50 states and the District of Columbia. Need help placing an account? Connect with a market specialist.

AdvisersGold - A dedicated insurance solution for Registered Investment Advisors (RIA) available nationwide (offered through Amwins Program Underwriters). Our target accounts include: Firms with 1-20 RIAs Assets under management up to $750,000,000 Annual gross fees up to $10,000,000 Additional program details: Broad definition of covered activities and who is protected under the policy Competitive pricing as compared to generalist professional liability insurers Coverage for acts as a fiduciary for employee benefit plans Premium discounts for professional designations and risk management practices Coverage by endorsement for life insurance agents or trustees Coverage for personal liability under Pension Protection Act of 2006 Click here to learn more about our program! Overview of the Program from Amwins Underwriting Amwins Underwriting offers the AdvisersGold Registered Investment Advisors Insurance Program — a professional liability solution tailored for RIAs and small- to mid-sized advisory firms. The program is designed to provide focused professional liability and fiduciary coverage for firms that provide investment advice, manage client portfolios, or serve as plan fiduciaries. Amwins positions this product to compete with broad-market professional liability carriers by offering coverage and terms specifically built for RIA exposures. Ideal Accounts and Appetite Small advisory firms with 1–20 registered investment advisors. Firms with assets under management (AUM) up to $750 million and annual gross fees up to $10 million. Advisors acting as fiduciaries for employee benefit plans or providing insurance/financial product recommendations (with available endorsements). Accounts outside these parameters — for example, very large RIAs, hedge funds, or firms primarily engaged in high-risk trading strategies — typically fall outside the program’s target appetite and may need referral to other markets. Coverage Highlights and Advantages Policy language that broadly defines covered professional activities and insureds. Fiduciary liability coverage for employee benefit plan services. Endorsement options to extend coverage for life insurance agents or trustees where needed. Premium credits for recognized professional designations and for documented risk management practices. Competitive pricing versus generalist professional liability insurers due to the program’s niche focus. Underwriting Notes and Minimum Premiums Underwriting favors firms that match the target account profile above and that can demonstrate appropriate policies and procedures (client agreements, supervisory structure, disclosure practices, and documented risk management). Common submission documents include current applications, a description of services, prior loss runs, and information on professional designations or formal compliance programs. Minimum premiums and final terms vary by exposure and state. For specific minimums and filing details, submit the risk or contact Amwins Underwriting for state-by-state guidance. Territories and Admitted Status 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, DC, WV, WI, WY. The AdvisersGold program is offered through Amwins Program Underwriters on a non-admitted/surplus lines basis (Amwins does not write admitted paper for this program in any state). Why Place This Business with Amwins Underwriting Niche RIA expertise — underwriting and policy forms developed for advisory exposures rather than generic professional liability forms. Flexible endorsements and discounts that reflect advisor designations and active risk management. Program-level capacity and responsiveness for small to mid-size advisory firms. Streamlined submissions and the ability to place nationwide through Amwins’ surplus lines capability. Example Accounts That Fit You have a regional RIA with seven advisors, $120 million AUM, a formal compliance manual, and no prior claims — this client matches the AdvisersGold target and could receive competitive terms and discounts for professional designations. You represent a small firm acting as a fiduciary for several employee benefit plans and selling life products through a separate producer — the program’s fiduciary coverage plus available endorsements for life/trust activities can fill gaps that generalist PL policies may not address. Frequently Asked Questions What types of RIA accounts are a good fit for AdvisersGold?Firms with 1–20 advisors, AUM up to $750M, and annual gross fees up to $10M. Firms offering portfolio management, financial planning, or fiduciary services for employee benefit plans are especially well-suited. Is this program admitted in any states?No. AdvisersGold is offered through Amwins Program Underwriters on a non-admitted/surplus lines basis; Amwins does not write admitted paper for this program in any state. What submission materials does Amwins typically require?Standard submissions include a current application, prior loss runs, description of services, client agreement samples, and documentation of compliance or risk management practices. Professional designations and written policies can support premium credits. Can I add coverage for life insurance or trustee activities?Yes. The program offers endorsements to extend coverage for life insurance agents or trustees when those activities are part of the advisory relationship. How quickly will Amwins respond to submissions?Response times vary by complexity, but Amwins’ program underwriters are oriented to serve the RIA niche and typically provide timely underwriting decisions for risks that fit the stated appetite. Need help placing an account? Connect with a market specialist.