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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

...gulated plans such as 401(k)s or pensions. Can this program handle hard-to-pla...

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.

By The Cover® is Brownyard Group's specialized insurance program designed exclusively for libraries. Developed in partnership with library insurance experts with decades of industry experience, the program addresses the unique risks faced by libraries with comprehensive, competitively priced insurance solutions. Policies are written through highly rated insurance carriers and are available through insurance agents and brokers. Who We Insure: Public Libraries Private Libraries Research & Academic Libraries We’re ready to review your submissions today. Send full applications to [email protected] for clients you think might fit our program. https://brownyard.com/insurance-programs/libraries-insurance/ CORE COVERAGES General Liability Employee Benefits Liability Extended “Bodily Injury” Definition Broadened Named Insured Broad Additional Insured Medical Payments for Athletic Participants Good Samaritan Coverage for Medical Emergencies Abuse or Molestation Coverage Limits to $1M per occurrence/$3M aggregate Business Auto The Brownyard Business Auto Program is designed especially for the Library industry and offers: Broad “Who is Insured” Coverage Broad “Covered Auto Liability” Coverage Broad “Towing and Labor Costs” Coverage Plus many other enhancements to coverage Commercial Property Coverage on Buildings, Contents, Loss of Income, and Extra Expense Flood or Backup of Sewers and Drains – $25,000 Ordinance or Law coverage – included up to building limit Coverage for Property of Others in your Care, Custody and Control Fine Arts – $35,000 Property in Transit -$50,000 Donation Assurance -$25,000 Property Off-Premises – $500,000 Inland Marine The Inland Marine Program is designed to offer Mobile Property coverage including: Library Book Floater (Borrowed Materials) Unscheduled Equipment Scheduled Equipment Electronic Data Processing Coverage Accounts Receivable Valuable Papers Employee Dishonesty (Crime) Employee Dishonesty is offered to protect against service contractor employees who perpetrate dishonest acts against their customers. This can cover: Administrators of Employee Pension and Benefit Plans Employee Theft/Forgery Money and Securities Computer Fraud Also Available: Directors & Officers (D&O)/Employment Practices Liability (EPLI) Wage & Hour Coverage Excess Liability Provides coverage over all of the underlying package policies

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 — Surety & Fiduciary Bond Program from First Choice Insurance Intermediaries, Inc. First Choice Insurance Intermediaries, Inc. offers a dedicated Surety & Fiduciary Bond program designed for agents and brokers who need a reliable wholesale market for commercial surety, fiduciary and related public official bonds. As a wholesale broker, First Choice helps you place bonds that guarantee contract performance, honest fiduciary administration, and a range of commercial obligations your clients must meet to do business or comply with licensing and court requirements. What this program covers The program includes traditional surety and fiduciary instruments as well as a broad selection of commercial bonds. Below are concise definitions and the core commercial bond types we handle: Surety Bond - A three-party agreement that guarantees a principal will carry out their contractual obligations or compensate the obligee for losses if the principal fails to perform. Fiduciary Bond - Bonds that guarantee an honest accounting and faithful performance of duties by administrators, trustees, guardians, executors and other fiduciaries responsible for managing assets or estates. Commercial Bond Notary public, license and permit bonds; public official, court, probate/fiduciary bonds; Medicare program supplier and contract bonds Bid bonds, payment and performance bonds, material and supply bonds, fidelity bonds for business operations Dishonesty bonds, janitorial service bonds, ERISA pension trust bonds Ideal accounts and target classes This program is aimed at agents placing a wide range of commercial clients, including: Small-to-mid-size contractors requiring bid, performance or payment bonds for municipal or private projects Businesses and professionals needing license, permit or fidelity coverage Trustees, executors, guardians and other fiduciaries who must post probate or fiduciary bonds Service contractors (janitorial, security, suppliers) and organizations needing dishonesty or ERISA bonds Typical accounts: a local general contractor bidding on municipal work, an executor required to post a probate bond, or a notary seeking a state-issued notary public bond. Coverage highlights and advantages Access to multiple surety and fiduciary markets through First Choice’s wholesale distribution Ability to place both standard commercial bonds and specialized public official/fiduciary obligations Streamlined submission process aimed at quick decisions for common bond types Guidance for documentation and underwriting expectations to help you prepare stronger submissions Underwriting notes and submission requirements Underwriting varies by bond type and carrier. Common items underwriters will request include signed applications, financial statements (when applicable), a copy of the contract or court order, and background information on principals. If your submission involves performance or payment bonds, provide project details, contract terms and owner information to speed review. First Choice works with carriers to place bonds efficiently; if you have an unusual exposure or complex project, flag it early so we can route the account to the appropriate market. Territories and admitted status Available in the following states: AL, CA, CO, CT, DE, FL, GA, IL, IN, KS, LA, MD, MA, NV, NJ, NM, NY, NC, OH, OR, PA, SC, TX, VA, WA, WI. Admitted availability varies by state and bond type—some bonds may be written on admitted paper in certain states and non-admitted in others. Contact First Choice for state-specific placement options. Why place this business with First Choice Insurance Intermediaries, Inc. Wholesale broker access—multiple carrier relationships for flexible placement options Experienced in both commonplace commercial bonds and niche fiduciary obligations Focused support for agents: clear underwriting checklists and help with documentation to reduce turnaround time If you have a bond submission, prepare the basic documentation outlined above and contact your First Choice wholesaler to discuss appetite, turnaround and any state-specific requirements. Frequently Asked Questions What types of accounts are a good fit for this Surety & Fiduciary Bond program?Good fits include contractors needing bid/performance/payment bonds, individuals required to post probate or fiduciary bonds, notaries and businesses needing license or fidelity coverage, and service providers requiring dishonesty bonds. First Choice focuses on small- to mid-size commercial accounts and common public official obligations. Which states are supported and is coverage admitted?The program is available in AL, CA, CO, CT, DE, FL, GA, IL, IN, KS, LA, MD, MA, NV, NJ, NM, NY, NC, OH, OR, PA, SC, TX, VA, WA and WI. Admitted vs. non-admitted availability depends on the bond type and carrier—ask First Choice for state-specific options on each submission. What documentation should I include with a submission?Provide a completed bond application, contract or court order (if applicable), owner/obligee information, and financial statements or references when requested. For contractors, include project dollar values, contract terms and owner contact details to speed underwriting. Need help placing an account? Connect with a market specialist.

The Herbert H. Landy Insurance Agency, Inc. offers a comprehensive Miscellaneous Professional Liability (MPL) program designed to help insurance agents and brokers secure the right coverage for a wide range of professional service providers. Whether your client is a management consultant, IT professional, or claims adjuster, Landy provides flexible solutions to help protect against claims of negligence, errors, or omissions in the performance of their professional duties. Overview of the Program From The Herbert H. Landy Insurance Agency With decades of experience in professional liability, The Landy Agency specializes in placing E&O and professional liability coverage for hard-to-place and emerging professional classes. This MPL program offers both admitted and non-admitted markets, giving you the flexibility to find the right fit for your client’s needs—whether they are a startup or an established firm. The program is available in most states and is backed by a broad underwriting appetite and responsive service team. Ideal Accounts and Appetite This program is designed for a wide variety of professional services, including but not limited to: Management Consultants Employment Agencies, Recruiters, and Temporary Staffing Firms Data Processing Companies Claims Adjusters Travel Agencies Collection Agencies Architects and Engineers IT Consultants Home Inspectors Title Agents and Mortgage Brokers For-Profit and Non-Profit Directors & Officers (D&O) You might have a client who is launching a new consulting agency or a seasoned IT firm expanding its services—Landy can help you find a market for both. Coverage Highlights and Advantages The Miscellaneous Professional Liability program offers customizable coverage options tailored to your insured’s operations. Key features include: Access to Numerous Admitted & Non-Admitted Markets Coverage for a Broad Array of Professional Classes Cybercrime and Crime Coverage Available for All Classes Experienced Underwriting Support and Fast Quote Turnaround Underwriting Notes and Minimum Premiums Submissions are accepted for nearly all industry classes and business types. The program is flexible enough to accommodate new ventures, independent contractors, and established firms. While minimum premiums may vary depending on the class and risk profile, Landy works to find cost-effective solutions tailored to each account. Territories and Availability The Miscellaneous Professional Liability program is available in most U.S. states, including AL, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, 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. With both admitted and non-admitted options, you have flexibility in coverage placement depending on your client’s state and risk profile. Why Work With The Herbert H. Landy Insurance Agency For over 70 years, The Herbert H. Landy Insurance Agency has been a trusted name in professional liability coverage. Agents and brokers turn to Landy for its deep market knowledge, strong carrier relationships, and commitment to service. Whether you're placing a standard account or navigating a complex risk, Landy's responsive team supports you every step of the way—from submission to policy issuance. To learn more or to submit a risk, visit the Herbert H. Landy Insurance Agency profile or go directly to the Miscellaneous Professional Liability storefront. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for a wide range of professional service providers, including consultants, IT firms, claims adjusters, title agents, and more. New ventures and established businesses are both welcome. Are both admitted and non-admitted markets available?Yes, The Landy Agency offers access to both admitted and non-admitted carriers, allowing for flexible placement depending on the risk profile and state. Can I submit accounts outside of the listed target classes?Yes, submissions are accepted for nearly all industries and classes of business. The underwriting team will review and determine eligibility on a case-by-case basis. Is cyber coverage available through this program?Yes, cybercrime and crime coverage options are available for all classes under this program. What states is this program available in?The program is offered in most U.S. states, including CA, NY, FL, TX, and many others. Please refer to the full list above for specific state availability. Need help placing an account? Connect with a market specialist.

America's Internet Brokers, Inc. offers a specialized insurance program tailored for Labor Organizations, including local, regional, and national unions. This program addresses the distinct risk management needs of labor unions and their affiliated operations—such as training schools, benefit funds, and union-owned real estate—by combining deep underwriting expertise with broad carrier access. Overview of the Program From America's Internet Brokers, Inc. Through strong relationships with top-rated carriers — including AIG, CNA, The Hartford, The Seneca Companies, Travelers, and Zurich — America's Internet Brokers, Inc. delivers flexible commercial insurance solutions for labor organizations. The program is placed on a non-admitted basis to allow tailored underwriting for accounts that need specialized or broader terms than standard admitted markets provide. Ideal Accounts and Appetite This program is purpose-built for: Labor unions and trade organizations Union-affiliated training schools and educational facilities Benefit funds, including pension and health & welfare funds Union-owned or managed commercial real estate Typical fits include multi-location unions, training centers with residential dormitories, and regional unions that manage office buildings or parking facilities. The program favors accounts with established governance, documented safety programs, and demonstrably maintained facilities. Coverage Highlights and Advantages Available coverages include: Commercial Multiperil packages Umbrella Liability up to $5 million Commercial Auto coverage Monoline Property or General Liability options Property capacity can reach up to $50 million, enabling placement of larger real estate and facility risks. The program supports both packaged and standalone placements, giving you flexibility to structure limits and coverage forms to match client exposures. Underwriting Notes and Minimum Premiums Submissions should include complete underwriting information to ensure a timely review. While specific minimum premiums are not published here, underwriters evaluate accounts based on risk quality, size, operational controls, and loss history. The program is generally positioned for organizations with stable operations, clear management practices, and maintained physical assets. Territories and Availability This Labor Organizations program is available in the following states: AZ, CA, CO, CT, FL, GA, ID, IL, IN, IA, KS, KY, LA, MD, MA, MI, MN, MS, NE, NJ, NY, NC, ND, OK, OR, PA, SC, TN, TX, UT, VT, VA, WA, WV. Why Work With America's Internet Brokers, Inc.? America's Internet Brokers, Inc. brings decades of experience placing niche commercial risks and understands the operational and regulatory complexities unique to labor organizations. Their carrier relationships and hands-on underwriting allow agents to present complex accounts with confidence. If you need placement assistance or a market opinion, their underwriting team is set up to work with brokers to develop tailored solutions. You might have a client who operates a regional union training center with attached dormitory housing, or a labor organization that owns multiple office buildings—this program is designed to handle those combined property, casualty, and auto exposures. Need help placing an account? Connect with a market specialist. Frequently Asked Questions What types of accounts are a good fit for this Labor Organizations program? Ideal accounts include labor unions, union-affiliated training centers, benefit funds, and real estate owned or managed by labor organizations. The program is best for organizations with documented management practices and maintained facilities. Is this program written on an admitted basis? No. This program is placed on a non-admitted basis, which provides underwriting flexibility for more complex or specialized exposures. What coverage limits are available? The program offers property capacity up to $50 million and umbrella limits up to $5 million, with options for Commercial Auto, Property, and General Liability, either packaged or monoline. Which states is this program available in? The program is available in over 30 states, including CA, NY, TX, FL, and IL. See the full list above for all territories served. Which carriers support this program? Carriers supporting the program include AIG, CNA, The Hartford, The Seneca Companies, Travelers, and Zurich.

Founded in 1986 and celebrating its 25th Anniversary ARC Excess & Surplus has grown to become one the largest wholesale insurance brokerages in the country. Our ability to understand your needs and capitalize on our carrier relationships, positions us as an industry leader where “We Get it Done.” ARC has always delivered the best in class product in less time allowing our clients to focus their time on producing new business. Access to over 60 markets Ability to provide customized coverage enhancements not available in the general market place Highest caliber of brokerage services in the industry Highly experienced legal team to work on your account Some of the Classes of Business we work on are: Accreditation Advertising Agencies Answering Services Arbitrators Auctioneers Audio Visual Consultants Billing Service Bookkeepers Claims Adjusters Closing Agents Collection Agencies Computer Consultants/Software Developers Court Reporters Credit Bureaus Custom Brokers Disaster Recovery Services Document Destruction Services Escrow Agents Executive Search Firms Foreclosure Agents Forensic Analysis Franchisers Graphic Design HR Consultants Insurance Agents/Brokers Insurance Consultants Insurance Inspectors Insurance Investigators Interior Designers Licensing Services Management Consultants Meeting/Event Planners Mortgage Bankers Mortgage Brokers Notary Public Pension / Benefit Plan Consultants Premium Finance Companies Printing Services Process Services Property Managers Public Relations/ Marketing Quality Consultants Real Estate Agents/Brokers Referral Services Risk Managers Safety Consultants Storage Archive Services Tax Preparation Services Telecommunication Consultants Telemarketing Temporary/Permanent Staffing Testing Labs - Non-Medical TPA's Translators & Interpreters Travel Agents Trustees Tutors What is Miscellaneous Professional Liability Insurance? This is an insurance product specifically designed to provide coverage for errors and omissions in providing professional services to others for a fee. There are specific policies for certain professions including Lawyers Professional, Accountants Professional, Security Broker, Architects and Engineers Professional Liability. While these classes are easily recognizable, many professions are not handled with dedicated policies. These other professions would be written on a Miscellaneous Professional policy and endorsed to cover the appropriate exposure. . Why do I need Miscellaneous Professional Liability Coverage? When a claim is made by a third party, alleging that an Insured negligently performed or failed to perform a professional service, leading to a financial loss of the third party, this is likely to be the only policy the Insured can look to for coverage. With the rising cost of legal fees and the potentially devastating effects of an expensive legal action at risk, MPL insurance has become a necessity. Locations: Contact Info: ARC Excess & Surplus, LLC Phone: 516-408-5751 E-Mail: [email protected] ARC MidAtlantic Excess & Surplus, Inc. Phone: 856-401-8070 Stan Quirk - [email protected] Bruce Davis - [email protected] ARC Excess & Surplus of New England, LLC Phone: 860-793-9333 Scott Farrell - [email protected] Tom McGraw - [email protected] ARC West Coast Excess & Surplus Brokerage, LLC Phone: 626-584-5050 Sandra Hunt- [email protected] Ceillia Whiteford- [email protected] ARC Excess & Surplus of MidSouth, LLC Phone: 410-427-9564 Larry Jones - [email protected] ARC South, LLC Phone: 404-474-4301 Todd Horwitz - [email protected] Burns Parker - [email protected]