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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.

Errors & Omissions Insurance for Actuaries and Actuarial Consultants Capitol Special Risks (CSRisks) offers an Errors & Omissions (E&O) program tailored for actuaries and actuarial consultants who provide professional advice and technical services for a fee. As a wholesale broker with access to multiple Excess & Surplus (E&S) carriers, CSRisks specializes in placing hard-to-place professional liability risks where admitted markets are limited or unavailable. Ideal Accounts and Target Classes This product is a strong fit for: Independent actuaries serving insurance companies, pension plans, or corporate clients Actuarial consultants performing long-term financial modeling, pension liability projections, or asset/liability studies Small to mid-sized actuarial firms that need flexible E&O solutions outside the admitted market Examples you might encounter: a consultant producing multi-year pension valuation reports for a private company, or an actuary providing reserve analyses to a regional carrier. Those accounts—especially when they carry professional exposure but limited admitted-market options—are where this E&O program is designed to help. Coverage Highlights and Advantages Claims-made policy form geared to professional liability exposures Limits available from $100,000 up to $10,000,000 per carrier Defense costs are included within the policy limits Flat annual premiums to simplify budgeting Minimum premium starting at $3,000 (final pricing varies by risk) This program is placed exclusively in the non-admitted (E&S) market, which often allows broader terms and flexible underwriting for niche actuarial exposures. Underwriting Considerations CSRisks evaluates submissions based on the consultant’s experience, types of services provided, revenue size, and loss history. Underwriters prefer clear engagement letters, scope-of-work definitions, and documented quality-control procedures. Fast turnaround and transparent communication are part of their service offering, and CSRisks does not charge a broker fee. States Where Coverage Is Available This E&O program is available nationwide, including all 50 states and the District of Columbia. Because it is a non-admitted placement, agents should confirm any state-specific filing or surplus lines requirements before binding coverage. Why Work With Capitol Special Risks? Capitol Special Risks brings decades of professional-liability experience and established relationships with multiple E&S carriers. That market access helps when standard admitted carriers are unable or unwilling to quote. CSRisks focuses on practical placement solutions for retail agents and brokers—combining technical underwriting, competitive options, and responsive service to meet client timelines. Call today for information on Actuaries/Actuarial Consultants Insurance — fast turnaround and no broker fee. In CA, Capitol Special Risks, Inc. dba: Capitol Special Risks Insurance Service - CA Fire & Casualty Agency - #0C46094 Frequently Asked Questions What types of accounts are a good fit for this E&O program?Actuarial consultants and independent actuaries who provide financial modeling, pension consulting, reserve analyses, or other insurance-related actuarial services are prime candidates. Is this coverage available in all states?Yes. The program is available nationwide, including all 50 states and the District of Columbia. Agents should follow surplus lines procedures where required. What are the coverage limits offered?Limits generally range from $100,000 up to $10,000,000 per carrier, subject to underwriting and carrier appetite for the specific risk. Are defense costs included within the policy limits?Yes. Defense expenses are included within the policy limits as is common in E&S professional liability placements. What is the minimum premium for this program?The program’s minimum premium starts at $3,000. Final pricing depends on the scope of services, revenues, and the insured’s loss history. Need help placing an account? Connect with a market specialist.

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.

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.

Overview of the Investment & Financial Related Program from Preferred Concepts LLC Preferred Concepts LLC offers access to a broad suite of markets for financial services and investment-related professional liability through its Investment & Financial Related program. The program is positioned for independent agents and brokers who need flexible market options for investment advisers, brokers/dealers, trustees, family offices, hedge funds and a wide variety of other financial services firms. Preferred Concepts leverages specialty markets that handle both routine and hard-to-place accounts, and can help you identify the right carrier fit for your client’s exposures. Investment-related and Financial Services Classes Target classes accepted through this program include: Investment Advisors Mutual Funds Trustee Liability / Trusts Hedge Funds Family Offices Partnerships Brokers / Dealers Other financial services and professional classes commonly placed include: Insurance Companies Insurance Agents / Brokers Accountants Actuaries Financial Consultants Collection Agencies / Credit Bureaus Premium Finance Companies Third-Party Administrators (TPAs) Coverage Highlights and Advantages Access to multiple specialty carriers and underwriting partners to place professional liability and related specialty lines for financial services clients. Ability to submit straightforward risks as well as more complex, higher-exposure or non-standard accounts that need a tailored underwriting approach. Underwriting teams experienced with fiduciary, trustee and investment advisor exposures — useful for claims-sensitive or regulatory-facing accounts. Support for agents on submission strategy, risk presentation and locating appetite across markets described as “Various carriers available.” Ideal Accounts and Appetite This program fits a broad range of financial services firms. Typical good fits include: Registered investment advisors and family offices seeking professional liability/Errors & Omissions protection. Trusts and trustees requiring trustee liability coverage for fiduciary exposures. Small to mid-size brokers/dealers and hedge funds where specialty carriers can be matched to specific exposures. Service providers to the investment community such as accountants, actuaries, TPAs and consultants. Hard to Place: The program also welcomes inquiries on hard-to-place, distressed or unusual accounts — share the specifics of the risk and the underwriting team will evaluate markets that may consider those placements. Underwriting Notes and Submission Expectations Underwriting is handled on a case-by-case basis. Common submission items underwriting will request include a completed application, a detailed risk narrative, current policies and loss runs, and pertinent financial or regulatory documents. Carrier appetite and terms vary by class, prior loss history and state jurisdiction. Preferred Concepts works to match submissions to appropriate carriers; if you have an out-of-the-ordinary account, include as much detail as possible upfront to speed review. Territories and Availability Markets are available in the following jurisdictions: 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 specific carrier participation may differ by state. Why Work With Preferred Concepts LLC on Investment & Financial Risks Specialty market access and underwriting relationships for financial services professional liability. Experience placing both standard and complex/hard-to-place financial accounts. Personalized submission guidance to present the account effectively and reduce turnaround time. Direct market contacts—reach out for guidance on carrier appetite and placement options. For more information, please call (860) 527-9717 or send an e-mail to [email protected]. You can get additional information on products, applications, and Specialty Lines insurance on the market’s website at www.mercatorpro.com. Frequently Asked Questions What types of accounts are a good fit for this program?The program is designed for a wide range of financial services firms including investment advisers, mutual funds, trustees/trusts, hedge funds, family offices, brokers/dealers and related professional service firms such as accountants and TPAs. If the account has professional liability or fiduciary exposures, it is likely worth a submission. Can Preferred Concepts place hard-to-place or distressed financial accounts?Yes. The program works with markets that handle hard-to-place, distressed and unusual accounts. Each submission is evaluated individually, so provide a complete risk narrative and loss history to allow underwriters to assess market options. What materials should I include with a submission?Typical items include a completed application, current policy information, loss runs, a narrative describing the operations and exposures, and any relevant financial or regulatory documentation. More complex or larger accounts may require additional underwriting materials. Are these markets available in my state?Markets are available in the states listed on the storefront. Carrier participation and admitted vs. non-admitted placement options vary by state and class — contact the program underwriters to confirm availability and placement strategy for your client’s jurisdiction. 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.

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.