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Overview of the Program from Kaigler & Company Kaigler & Company offers a Miscellaneous Medical Professional program designed for small medical practices and new facility set-ups that lost coverage due to a recent carrier non-renewal. This market provides access to Lloyd’s and select domestic carriers and is positioned for straightforward primary care and other lower-to-moderate-exposure medical specialties. We provide underwriting flexibility for submissions that have a solid application and clean loss history, and we will require Kaigler & Company’s application to bind coverage. Ideal Accounts and Appetite Preferred: General practitioners (GPs), family physicians, and internists—single-provider or small group practices. Good fit: Clinic-based specialties without high surgical exposure, outpatient-only practices, urgent care centers with low surgical procedures. Case-by-case: Certain specialty clinics and multi-specialty groups—submit for review. Declined: OB/GYN, orthopedic surgery, and neurosurgery (neuro) – these specialties are not accepted in this program. Coverage Highlights and Advantages Access to Lloyd’s and other domestic carriers who will consider accounts displaced by larger carriers’ non-renewals. Underwriting willing to review “good” applications already completed by brokers; saves time on indications. Competitive terms for lower-exposure providers and new facility set-ups when underwriting criteria are met. Focus on placing professional liability (medical professional) coverage tailored to outpatient and clinic exposures. Underwriting Notes and Binding We can indicate terms from an existing, fully completed application you have already prepared. That indicated offer is preliminary—Kaigler & Company requires our own application to bind coverage. Typical underwriting considerations include practice location, claims and disciplinary history, scope of services, number of providers, and any surgical exposure. Clean applications with complete documentation are handled more quickly. Please disclose prior carrier non-renewals and the reason when available; non-renewals due to carrier-wide underwriting changes can often be placed if the practice meets the program’s appetite. Territories and Availability This program is available in the following states and districts: 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 terms will vary by carrier and state—submit to Kaigler & Company for state-specific eligibility and filings. Why Work with Kaigler & Company on Miscellaneous Medical Professional Business Specialized focus on displaced and newly established medical practices that need a fast, practical placement. Direct access to Lloyd’s and select domestic carriers that can respond to non-renewal situations. Practical underwriting that leverages a well-prepared application to speed indications while retaining Kaigler & Company’s binding requirements. Responsive broker support for submission preparation and carrier negotiation. Example scenarios where this program fits: you have a client who is a solo internist whose account was non-renewed when a large carrier exited a regional book—Kaigler & Company can evaluate and often place such risks. Or a new community clinic started by a group of family physicians that needs primary professional liability coverage for outpatient services. Frequently Asked Questions What types of accounts are a good fit for the Miscellaneous Medical Professional program?Primary care physicians (GPs, family practice, internists), outpatient clinics, and low-surgical-exposure specialties are preferred. Each submission is reviewed case-by-case; OB/GYN, orthopedic surgery, and neurosurgery are not eligible. Can you use an existing application to get an indication?Yes. If you’ve completed a thorough application, we can use that information to provide an indication. Final binding requires Kaigler & Company’s application and carrier-specific underwriting approval. How do you handle prior carrier non-renewals?We will review non-renewals. If the non-renewal was part of a broader carrier action rather than due to provider-specific conduct or claims history, the account may still be eligible—full disclosure and documentation help expedite review. Are there state restrictions or filing differences?Availability and terms vary by state and carrier. This program is offered in the states listed above; contact Kaigler & Company for state-specific eligibility and any admitted/non-admitted options. What information speeds the underwriting process?Provide a complete application, current loss runs, state licensing and disciplinary history, scope of services, and information about any procedures performed. A clear, accurate submission will get a faster indication and binding process. Need help placing an account? Connect with a market specialist.

Thank you for attending the inaugural CHART Exchange event in Philadelphia in mid-October. We have long believed that the U.S./London insurance marketplace needed a platform where Risk Takers and Coverholders could directly connect with domestic insurance agencies. Your enthusiastic participation validated this vision. It’s clear that we’ve identified a real opportunity in this market niche. The Rockwood Programs team is already planning future CHART Exchange events for 2016 and beyond to continue building on this momentum. We appreciate your commitment to the CHART Exchange initiative. For additional information or questions, feel free to contact us at [email protected]. You can also visit our CHART Storefront on CompleteMarkets for more insights and resources. Click here to read more about the CHART event! Glenn W. Clark, CPCU President, Rockwood Programs, Inc. 3001 Philadelphia Pike Claymont, DE 19703 (302) 307-3844 CHART Core Principles 1. Foster direct relationships between U.S. Coverholders and London Risk Takers. 2. Expand access to London markets for U.S. producers who may not be fully utilizing these opportunities. 3. Help Risk Takers find new U.S. distribution partners. 4. Offer networking events that support new business relationships. 5. Create a publication to facilitate communication between London markets and U.S. retail/wholesale brokers. 6. Provide skill-building through workshops, publications, and training. 7. Promote professional ethics for long-distance business relationships. 8. Serve as an incubator and test lab for new insurance ideas and products. 9. Analyze and adopt emerging technologies that support U.S./London insurance business development. 10. Create efficient access to reinsurance and alternative risk transfer solutions. The three-day CHART Exchange event includes panel discussions, educational workshops, and product showcases—everything designed to strengthen collaboration and drive growth between U.S. agents and the London market. Join the movement and register for the next CHART Exchange meeting. Visit our website for more information and registration details. We encourage agents from all 50 states Frequently Asked Questions What types of accounts are a good fit for the CHART Exchange program?This program is ideal for agents with clients who need access to London markets for specialized or hard-to-place risks. It supports both established Coverholders and producers looking to expand their reach. Is the CHART Exchange program admitted or non-admitted?The program operates primarily on a non-admitted basis through Lloyd’s, offering flexibility for unique or complex risks. Which states is this program available in?The CHART Exchange initiative is available in most states, including all 50 states and Washington, DC. What are some benefits of participating in CHART Exchange events?Agents gain direct networking opportunities with London Risk Takers and Coverholders, access to exclusive markets, and educational resources to strengthen their business. How does Rockwood Programs support agents in this initiative?Rockwood Programs provides expert guidance, logistical support, and access to a large network of partners to help agents successfully navigate and place business in the London market. Need help placing an account? Connect with a market specialist.

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Environmental Errors & Omissions Insurance from Insential, Inc. is designed to help you place professional E&O protection for clients who provide environmental consulting, engineering, testing, or related services. The program helps safeguard your clients against claims arising from alleged professional negligence, errors, omissions, or contract disputes—common exposures for environmental service providers. Insential leverages its role as an Excess & Surplus Lines broker to access carriers that understand environmental risks and the unique needs of consultants and contractors. Whether a client performs site assessments, manages remediation projects, or conducts environmental testing, this program connects you with competitive, flexible markets that can respond to complex or hard-to-place accounts. Ideal Accounts and Appetite This program targets environmental professionals and firms providing advisory or technical services, including: Environmental testing and auditing Air and noise monitoring Site remediation and project management Industrial hygiene consulting Water, land, and drainage management Conservation and sustainability planning You might have a client who performs wetland delineation studies for developers or an engineering firm managing soil remediation at brownfield sites—both are examples that typically fit this program when operations and claims history are acceptable. Coverage Highlights and Advantages Protection against claims for errors, omissions, and alleged professional negligence Policy language and limits structured specifically for environmental consultants, engineers, and service providers Access to E&S markets for hard-to-place or unusual risks Ability to consider multiple carriers and tailored terms depending on project scope and exposures Underwriting Notes and Minimum Premiums Underwriting is driven by the scope of services, project revenue, prior loss history, and key personnel qualifications. Typical submission materials include an application, resumes of key staff, a list of services, project history, and current insurance details. Minimum premiums vary by account; Insential will help package submissions to match carrier expectations. Territories and Availability This program is available in most states, including AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, and WY. Admitted options may be available in some jurisdictions; the majority of placements are through E&S markets. Why Work With Insential? Insential, Inc. offers dedicated environmental underwriting expertise and broad market access to help you place professional E&O risks. As a wholesale broker, Insential matches submission profiles to carriers that understand environmental exposures and can provide flexible terms for complex projects. Their team supports you from intake through binding to streamline placement and deliver solutions your clients need. Let Insential’s environmental specialists help you place Environmental Errors & Omissions coverage. Call 888-571-6160 to get started. Frequently Asked Questions What types of accounts are a good fit for this program? Environmental consultants, engineers, industrial hygienists, and remediation contractors that provide professional services with environmental exposures are the primary targets for this program. Can this E&O coverage be combined with other environmental liability policies? Yes. Insential can help you explore options to complement E&O with pollution or environmental liability products, depending on the client’s operations and the carriers’ appetite. What information is needed to submit an account? Typical submissions include a completed application, resumes of key personnel, a list of services provided, project history, and current insurance details. Insential will guide you through any additional carrier requirements. Is this program available in all states? The program is available in most U.S. states. Availability and admitted options vary by state and by carrier, so Insential will confirm state-specific placement options during the submission process. Which carriers are used for this program? Carriers vary by account. Insential works with a range of A-rated E&S markets and select admitted carriers where available to find the best fit for each risk. Need help placing an account? Connect with a market specialist.

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Professional Program Insurance Brokerage (PPIB) offers: Pyrotechnics Insurance. Professional Program Insurance Brokerage (PPIB) provides specialized Pyrotechnics Insurance designed for businesses that handle fireworks, explosives, and theatrical special effects. As a program administrator working in the non-admitted market, PPIB pairs experienced underwriting with access to markets that understand pyrotechnic exposures—helping agents place accounts that are often hard to place through standard carriers. Ideal Accounts and Appetite PPIB’s Pyrotechnics program is targeted to operations that require tailored liability and property protection because of their use of explosive or theatrical materials. Target classes include: Fireworks manufacturers Explosives importers Class C retail fireworks stores Class B fireworks wholesalers Public and private firework display companies Special effects and theatrical pyrotechnics firms Confetti cannon operators Mock military or tactical training providers Air show coordinators Indoor and stadium special effects vendors Typical fits are well-managed display operators, licensed manufacturers or importers, and event vendors with documented safety programs and trained personnel. Accounts generally should demonstrate regulatory compliance, secure storage and transport practices, and a controlled operational environment. PPIB will consider complex or high-profile risks that require flexible non-admitted solutions; small retail-only operations without appropriate licensing or poor loss control may be declined. Coverage Highlights and Advantages PPIB offers annual policies that can include the following lines tailored for pyrotechnic exposures: General liability (including event liability and premise hazards) Property coverage for facilities, inventory and equipment Commercial auto and haulage for transit of fireworks and components Workers’ compensation and employer liability Cargo coverage for shipments and imports These coverages address common exposures such as public liability at displays, transit and storage risks, employee injury during handling or setup, and damage to rented venues or third-party property. PPIB’s underwriters look for detailed operational controls and can structure limits and endorsements appropriate to the account’s risk profile. Underwriting Notes and Minimum Premiums This program is non-admitted and each submission is individually underwritten. Strong submissions include: Detailed descriptions of operations and event types Standard operating procedures, safety programs and training records Storage, handling and transportation protocols Licenses, permits and any industry certifications Loss runs and prior claims information PPIB emphasizes accounts that demonstrate active risk management and regulatory compliance. Minimum premiums vary by risk, class, and territory; discuss the specifics with a PPIB underwriter or market specialist when preparing a submission. Territories and Availability PPIB writes pyrotechnics business in most U.S. states and can assist agents placing accounts in 48 states plus Washington, D.C. Availability is subject to local regulatory requirements and market appetite—contact PPIB for state-specific confirmation and any exceptions. Why Work With PPIB? Professional Program Insurance Brokerage has decades of experience placing niche and hard-to-place risks. For pyrotechnics business, PPIB offers: Access to specialized non-admitted markets that understand explosive and theatrical risks Underwriters experienced in event, manufacturing, import and transit exposures A focus on practical risk management—rewarding accounts with documented controls Responsive service and guidance on submission requirements You might have a client that stages municipal fireworks displays requiring multi-day event liability and transit coverage, or a concert production company that needs venue, liability and special effects protection for indoor performances. PPIB’s program is designed to help you place those accounts with appropriate limits and terms. Contact Professional Program Insurance Brokerage (PPIB) for your Pyrotechnics Insurance placements. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include fireworks manufacturers, display operators, special effects companies, and businesses involved in mock military training or air shows. What coverages are available through this program?PPIB offers general liability, property, commercial auto, workers compensation, and cargo coverage tailored for pyrotechnics operations. Is this program admitted or non-admitted?This is a non-admitted program, allowing greater flexibility in underwriting complex or higher-risk accounts. Which states is the program available in?The program is available in most U.S. states, including CA, TX, FL, NY, and IL, among many others. Contact PPIB for specific state availability. What information is needed to get a quote?Agents should provide detailed descriptions of operations, safety procedures, prior loss history, and any licenses or certifications held by the insured. Need help placing an account? Connect with a market specialist.