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Amwins Specialty Casualty Solutions (ASCS), part of the Amwins Underwriting division, is an MGA and specialty program creator with nearly $1B GWP across multiple industries and lines. ASCS distributes a suite of public entity products designed for pools and individual government clients. Below is a clear summary you can use when evaluating placement options for your public entity insureds. Program overview Amwins Underwriting’s Public Entity Insurance Programs provide dedicated property, liability, and workers’ compensation solutions for public-sector entities. These programs combine specialty underwriting, flexible capacity, and access to well-capitalized markets and reinsurers to address exposures unique to municipalities, school systems, special districts, public housing authorities and similar public entities. Ideal accounts and appetite Municipalities (cities, towns, counties) Public schools and higher education institutions Special districts and service authorities Public housing authorities and municipal utilities Pools and joint powers authorities seeking programmatic solutions You should consider these programs when your client needs higher capacity, layered solutions, or specialized terms crafted for public entities that standard commercial markets struggle to accommodate. Coverage highlights and advantages Public Entity Property: Up to $50M capacity per risk; administered by ASCS and written by a non-admitted carrier; excess follow-form; no TIV cap. Note: unable to participate on lead/primary layers. Public Entity Casualty: Liability offered as follow-form excess or reinsurance; up to $3M per occurrence; placed on AM Best “A-” paper and backed by a panel of global reinsurers; strong underwriting and claims expertise. Public Entity Workers' Compensation: Options include buffer, SIR, alternative funding and excess solutions; carrier ratings across programs range from AM Best "A+" to "A-" XII; available in all states. Underwriting notes and placement considerations Underwriting is program-driven and tailored to public entity exposures. Key considerations include existing policy layers (for follow-form placements), desired limit structure, loss history for public-sector operations, and whether the client is a pool or a single entity. The Property program operates on non-admitted paper; casualty and workers’ comp placements use admitted markets or reinsurer-backed structures depending on the program. Amwins’ underwriting team expects complete submissions with current values, schedules of locations, loss runs, and details on risk-transfer arrangements. Territories and availability Programs are available nationwide. States of availability include: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Why place public entity business with Amwins Underwriting Amwins Underwriting brings program design expertise, deep public entity underwriting, and strong carrier/reinsurance relationships. That combination helps you place larger limits, structure layered solutions, and offer funding alternatives for clients who need more than standard commercial terms. The underwriting and claims bench strength noted on the casualty program provides additional confidence for complex liability exposures. (*We work with pools and individual public entities) Frequently Asked Questions What types of public entity accounts are a good fit for these programs?These programs target municipalities, public schools and colleges, special districts, public housing authorities, municipal utilities, and pools. They are a strong fit when clients need higher capacity, excess or reinsurance placements, or alternative funding structures for workers’ comp. Are the programs admitted or non-admitted?Placement depends on the specific product: the Public Entity Property program is written by a non-admitted carrier and administered by ASCS. Casualty and workers’ compensation placements may be on admitted paper or structured with reinsurer support; confirm program specifics when submitting. What information should I include with a submission?Provide current policy details and limits, TIV and schedule of locations for property, recent loss runs, description of operations and exposures, any existing SIR or alternative funding arrangements, and details about pools or joint powers structures if applicable. Which states are these programs available in?The programs are available nationwide. Refer to the storefront for the full list of states, and confirm any state-specific requirements during submission, especially for workers’ compensation and surplus-lines placements. Need help placing an account? Connect with a market specialist.

WorkCompare.com offers a streamlined Workers Compensation Insurance solution designed specifically for independent insurance agents and brokers working in California. As a program administrator with access to various carriers across all available markets, WorkCompare.com helps you quickly determine how much your client's workers' comp policy will cost at renewal—and which underwriters are willing to review their submission. Whether you're handling a new business opportunity or a renewal, the platform helps you gather all the necessary underwriting information to present options confidently and efficiently. Ideal Accounts and Appetite This program is tailored for a wide range of businesses operating in California, from small startups to larger organizations. WorkCompare.com is especially useful for agents working with clients who: Need competitive renewal pricing on existing workers’ comp policies Operate in industries with moderate to high claims frequency Have experienced changes in payroll, classification, or operations Are open to exploring multiple carrier options Whether you're quoting a local retail shop, a construction subcontractor, or a small manufacturer, WorkCompare.com gives you a broader view of available market options. Coverage Highlights and Advantages Access to a wide panel of markets—admitted and non-admitted options available Real-time insights into underwriter interest to speed up the quoting process Transparent view of projected premium costs at renewal Support for both new business and renewals User-friendly interface designed to enhance agent productivity You might have a client who has experienced rate increases due to claims or reclassification. With WorkCompare.com, you can quickly assess whether alternative markets can offer a better fit—without wasting valuable time or resources. Underwriting Notes and Minimum Premiums Minimum premiums vary depending on the class of business and carrier appetite. The platform supports a wide range of risk types and helps you align each account with the most suitable underwriter. Submissions with complete and accurate information are more likely to receive faster consideration and multiple quotes. Territories and Availability This Workers Compensation Insurance program is currently available exclusively in California. WorkCompare.com continuously evaluates market trends to offer the most competitive and relevant solutions for businesses operating in the state. Why Work With WorkCompare.com on This Business WorkCompare.com simplifies the quoting and renewal process for workers’ compensation insurance. By centralizing market access and providing real-time underwriter feedback, the platform empowers agents to deliver faster, more informed service to their clients. Whether you’re looking for a better fit for a tough renewal or exploring new business opportunities, WorkCompare.com helps you stay focused on what matters most—serving your clients effectively. Frequently Asked Questions What types of accounts are a good fit for this program?This program works well for small to mid-sized California businesses across various industries, including retail, construction, manufacturing, and professional services. Can I use this program for both new business and renewals?Yes, WorkCompare.com supports both new business submissions and renewal comparisons, helping you provide complete options to your clients. What markets are available through this program?The program accesses a wide range of admitted and non-admitted carriers, depending on the risk profile and underwriting details. Is there a minimum premium requirement?Minimum premiums vary by carrier and class of business. The platform helps match each account with markets that fit their size and risk level. How quickly can I get underwriting feedback?WorkCompare.com provides visibility into which underwriters are reviewing your submission, helping you move faster and more efficiently. Need help placing an account? Connect with a market specialist.

Contract Litigation Insurance (CLI) from Demetriou Group protects insureds against the risk of paying an opponent’s attorneys’ fees when a contract dispute ends in a prevailing-party (loser-pays) result. This specialty policy is available for both plaintiffs and defendants and can be quoted with high coverage limits through Demetriou Group’s panel of admitted and non-admitted markets. Each year millions of contract lawsuits are filed in the United States and a large portion include a prevailing-party provision that permits the winner to recover attorneys’ fees from the loser. Those fee awards can exceed damages and materially threaten a client’s cash flow or ability to continue operations. Demetriou Group’s Contract Litigation Insurance is designed specifically to address that exposure — a gap that many standard liability and litigation policies expressly exclude. Overview — How Demetriou Group’s CLI Program Works Demetriou Group offers CLI as a one-time premium policy written within the first 12 months of active litigation. There is no deductible; the premium is fully earned at bind. Because CLI is event driven, earlier placement in the lifecycle of a dispute generally leads to lower premium costs and broader underwriting flexibility. Coverage can be issued for either side of the dispute and is frequently available with substantial limits, subject to underwriting. Ideal Accounts and Appetite Commercial contracts with a prevailing-party clause — suppliers, distributors, manufacturers, and service providers Technology and SaaS agreements where fee awards can be disproportionate to the contract value Construction subcontracts and professional services disputes that include fee recovery provisions Accounts where the claimant or defendant faces asymmetric litigation exposure (e.g., small business vs. deep-pocket counterparty) Typical accounts that fit the program: businesses of small to mid size with contract disputes filed in state or federal court, commercial litigation arising from breach of contract, and cases where the insured is seeking an insured outcome without risking catastrophic fee awards. Accounts outside appetite usually include criminal matters, class actions, or disputes with significant known adverse rulings or fraud allegations; each submission is reviewed on its merits. Coverage Highlights and Advantages Specific insurance against an opponent’s attorneys’ fees under prevailing-party clauses Available to plaintiffs and defendants High coverage limits available through multiple carrier partners One-time premium, no deductible — full premium earn-in at bind Event-driven placement: must be purchased within the first 12 months of a litigation Underwriting Notes and Minimum Premium Underwriters will assess the underlying contract, the existence of a prevailing-party provision, basic facts of the dispute, party financials, and prior litigation history. Early submission yields better options—Demetriou Group recommends submitting as soon as litigation is filed and before dispositive rulings. Minimum premium and specific terms vary by carrier and risk; please note the program lists minimum premium as "Varies." Territories and Regulatory Positioning Demetriou Group’s CLI program is available across all listed 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, UT, VT, VA, WA, DC, WV, WI, WY. The program is offered through multiple carrier markets (Varies) and can be placed on admitted or non-admitted paper depending on state availability and the carrier chosen. Why Place CLI with Demetriou Group? Specialized MGA expertise in niche litigation exposures and access to multiple markets Flexible placement for both plaintiffs and defendants with competitive limits Practical underwriting guidance that helps you position submissions early in the litigation lifecycle Streamlined quoting and placement from an experienced underwriting team that understands how CLI changes litigation strategy for insureds Example Scenarios You represent a mid-sized software vendor sued by a customer for contract nonperformance. The contract includes a prevailing-party clause and the customer’s demand for fees could be material to your client’s recovery—CLI can be placed to protect against an adverse fee award. A small manufacturing firm is defending a breach of supply contract where the counterparty has deeper pockets. Purchasing CLI early helps your client defend the claim without risking ruinous fee exposure if they lose. Submission Tips Provide the complaint or demand letter, the contract with prevailing-party language, basic financials for insured and adversary (if available), and a short litigation timeline. Early placement increases carrier options and may reduce premium. Because carrier appetite and minimum premiums vary, contact your Demetriou Group underwriter with the submission for a tailored review. Frequently Asked Questions What types of accounts are a good fit for Demetriou Group’s CLI program?Commercial contract disputes with a prevailing-party provision are the primary fit — examples include suppliers, service providers, technology vendors, and construction subcontracts. Small- to mid-sized businesses facing asymmetric fee exposure are ideal candidates. When must the policy be purchased during litigation?CLI is event driven and must be purchased within the first 12 months after the start of litigation. Earlier placement typically produces better carrier options and pricing. Does CLI cover both plaintiffs and defendants?Yes. Demetriou Group places CLI for both plaintiffs and defendants, subject to underwriting and carrier terms. What states and regulatory status apply to this program?The program is available in the states listed in the storefront (AL through WY and DC). Carrier placement may be admitted or non-admitted depending on state rules and the market selected. Need help placing an account? Connect with a market specialist.

Insurance for Students, Sports & Leisure Activities Overview — Accident Medical Insurance from Amwins Underwriting (SMIC) SMIC, part of Amwins Underwriting, offers specialty Accident Medical, Student Accident and related liability programs for schools, sports organizations, special events and other leisure activities. With underwriting authority across all 50 states and access to A-rated carriers, SMIC delivers flexible, programmatic solutions that can be placed on a voluntary or mandatory basis, for single events or ongoing seasonal and annual operations. Industries and Account Types K-12 Education (public, private, charter, religious, preschool) Colleges & Universities Sports & Recreation (youth and adult leagues, clubs, tournaments) Public Entities Nonprofits and Religious Organizations Special Events, Fundraisers and Concerts Coverage Highlights Student Accident — Voluntary or mandatory student accident policies for K-12 activities, including athletics; common limits start at $25,000. Catastrophic Accident — Excess catastrophic benefits that supplement basic student accident coverage. Typical structures include 10-year or lifetime benefit periods and catastrophic cash options. With a common deductible of $25,000, limits can range from $1 million to $6 million. Accident Medical — Pays medical expenses resulting from accidental injury to participants, coaches, officials and volunteers during sports, camps, mission trips and similar activities. Typical limits for most programs range from $5,000 to $100,000. General Liability — Bodily injury, personal injury, property damage and optional participant legal liability for events, fundraisers, leagues and associations. TULIP (Tenant/User Liability Insurance Program) — Short-term, event-specific liability coverage with online issuance to reduce administrative burden for facility users and owners. Contingency Products — Coverage for cancellation & abandonment, non-appearance, prize indemnity, over-redemption, weather cancellation, transmission failure, ticket protection and related exposures. Inbound International Health Insurance — Comprehensive health coverage solutions for international students, visiting scholars and exchange program participants; available on mandatory or tight-waiver bases with flexible benefit designs. Why this program helps your clients These programs are designed to reduce the financial and reputational risk that arises when a participant is injured, an event is cancelled, or an organization is faced with third-party liability arising from athletic or recreational activities. SMIC’s specialty focus means underwriters understand the operational differences between a one-day tournament, a school district’s athletic program, and a year-round club—so quotes and policy forms reflect real exposures. Typical Appetite and Fit Good fit: K-12 and higher education student accident programs, youth and amateur sports leagues, seasonal camps, mission trips, nonprofit events, and single special events. Not a fit: High-risk professional sports, accounts requiring specialized workers’ compensation solutions, or exposures outside organized program structures without clear oversight. Underwriting Notes and Minimums SMIC offers tailored underwriting for single events through multi-year program placements. Common underwriting requirements include participant rosters, activity descriptions, supervision and safety protocols, and claims history when available. The program typically carries a minimum premium starting at $200. Territories and Availability SMIC has underwriting authority in all 50 states and Washington, D.C., and the program is available broadly across the United States. Because some coverages are admitted or non-admitted depending on the state and product structure, submit bind requests early so underwriters can advise on placement options and any state-specific requirements. How agents use this market As an MGA within the Amwins Underwriting family, SMIC gives agents access to dedicated specialty capacity and program forms for accident and event risks. You can use this market to place single events (concerts, tournaments, fundraisers) or programmatic accounts for schools, athletic associations and nonprofits. Example scenarios: You have a school district that needs a mandatory student accident plan for fall athletics with catastrophic excess—this program can combine a primary student accident policy with a catastrophic excess layer. A community recreation department needs short-term liability and accident coverage for an annual festival with multiple vendors and volunteer staff—TULIP and short-term accident limits can be issued to simplify administration. Click here to learn more about our offerings! Frequently Asked Questions What types of accounts are a good fit for SMIC’s Accident Medical program?Accounts that involve organized activities—K-12 and college student programs, youth and amateur sports leagues, camps, mission trips, nonprofit events and short-term special events—are the best fit. The program is built for participant accident exposures and related liability risks. What are the common limits and coverages I can quote?Typical accident medical limits range from $5,000 to $100,000 for primary accident medical coverage. Student accident plans commonly start at $25,000, and catastrophic excess limits typically range from $1 million up to $6 million depending on structure and deductible. What information does underwriting usually require?Underwriters typically request a description of the activity, participant counts/rosters, supervision and safety protocols, prior loss history and whether coverage is voluntary or mandatory. For events, details about attendance, vendors, and venue agreements help determine liability exposure. How do I submit a quote request and what is the minimum premium?Submit detailed account information to Amwins Underwriting/SMIC via your usual broker channels. The program’s minimum premium is generally $200; final pricing depends on exposure, limits, deductible structure and whether the placement is event-specific or programmatic. Need help placing an account? Connect with a market specialist.

An insurance provider that is passionate about the industry in which we serve. Equisure, part of the Amwins Underwriting division, is a specialty program designed for animal clubs, associations and organizers of animal-related events. For more than 30 years Equisure has developed targeted products that address the unique exposures of clubs, breed registries, collegiate teams and show organizers. Agents can place a wide range of accounts through this program, supported by underwriting that understands animal-related operations and member-driven organizations. Overview of the Program From Amwins Underwriting This program offers straightforward, market-ready solutions for animal clubs, associations and sanctioned or non-sanctioned events. Coverage is built to protect organizers, volunteers and members from common liability risks that arise during competitions, shows, rallies and club-sponsored activities. Equisure’s appetite emphasizes practical, affordable coverages to keep members protected and events running smoothly. Ideal Accounts and Appetite Polo clubs and other mounted-sport groups Dog clubs (excluding protection-training focused clubs) Multi-state clubs that travel or compete in several jurisdictions Breed registries and associations providing member benefits Competitive trail riding groups and endurance events Collegiate riding and animal clubs Vaulting and English/Western shows (one-day or multi-day, sanctioned or non-sanctioned) Ineligible accounts typically include rescues and sanctuaries, wagering-based racing operations, dog clubs whose primary activity is protection training, and rodeo bull riding. If you are unsure whether a specific account fits, provide a summary of operations and event profiles when submitting. Coverage Highlights and Advantages General liability tailored for club and event exposures Optional professional liability where appropriate for instructors, judges or club-run services Medical payments coverage for on-site incidents Amwins Underwriting’s Equisure program emphasizes practical policy forms and limits that reflect the realities of volunteer-run organizations and temporary event exposures. The underwriting team is experienced with common risk controls for animal events and can provide guidance on risk transfer and certificate requirements for venues. Underwriting Notes and Minimum Premiums Underwriters look for clear event descriptions, typical participant counts, venue details, and any third-party vendor activities. Standard eligibility questions include whether events are sanctioned, whether animals are transported across state lines, and whether professional trainers or paid instructors are involved. The program’s stated minimum premium is $500; actual terms and premiums depend on exposure details, limits requested and loss history. Territories and Availability This non-admitted/surplus lines program is 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. Note: Amwins positions this offering through Equisure as a specialty market—confirm surplus lines placement requirements in the insured’s home state as needed. Why Work With Amwins Underwriting on This Business Amwins Underwriting combines deep niche expertise with flexible underwriting for animal-related organizations. Agents benefit from a program that understands member-driven clubs, offers practical coverages, and has a track record of working with events and associations. Submissions that include clear activity descriptions, participant numbers and venue information will receive the most efficient review. Example scenarios You have a regional dog-breed club that runs two one-day shows per year and provides member benefits—this program can provide general liability and optional professional coverages for judges and trainers. A collegiate equestrian club that travels to sanctioned events in multiple states needs a single program to cover both practices and competitions—Equisure can underwrite multi-location exposures through this offering. Frequently Asked Questions What types of accounts are a good fit for the Equisure program?Clubs and associations focused on non-racing animal activities—polo clubs, dog breed clubs, collegiate groups, trail-riding and sanctioned or non-sanctioned shows—are ideal. The program is designed for member-based organizations and event organizers rather than rescues or wagering/racing operations. What coverages can I request through this program?Primary offerings include general liability and medical payments, with optional professional liability in many cases. Limits and coverage parts will depend on the account’s operations and the underwriting review. Is this program admitted in the states listed?The program is offered on a non-admitted (surplus lines) basis. Agents should follow surplus lines placement and disclosure requirements that apply in the insured’s home state. What information helps speed underwriting and placement?Provide a clear description of club activities and events, typical participant/attendance numbers, venue types, whether events are sanctioned, any paid instructors or vendors, and loss history. This information allows for a faster, more accurate quote and reduces follow-up requests. Need help placing an account? Connect with a market specialist.

APU's Auto Dealer's Pollution program provides a streamlined, standalone Site Pollution Liability solution designed specifically for small auto servicing operations. Many small dealers and shops find only limited add-on pollution riders or expensive, broad pollution policies that exceed their needs. Amwins Underwriting’s Auto Dealer's Pollution program fills that gap with focused coverage and simple underwriting through an “A+ XV” rated carrier. Overview of the Program from Amwins Underwriting This program is a dedicated Site Pollution Liability policy tailored for auto dealers, repair and servicing centers, and related operations. Coverage is designed to respond to on- and off-site pollution exposures, including third-party bodily injury and property damage, cleanup costs and certain transportation and disposal contingencies. The program supports smaller accounts that need more than a limited add-on endorsement but less than a full, high-cost pollution policy. Target Operations / Ideal Accounts Auto dealers Repair shops and servicing centers Motorcycle and RV servicing shops Tire dealerships, lube and oil change centers Muffler and transmission repair shops Battery stores and similar small automotive service locations Coverage Highlights and Advantages On-site and off-site cleanup costs and third-party bodily injury and property damage Automatic coverage for above-ground storage tanks (up to 110 gallons) Ability to schedule above-ground tanks over 110 gallons and non-regulated underground tanks Automatic contingent liability for waste transportation and for non-owned waste disposal locations (including on-site coverage) Restoration costs included in the definition of cleanup costs Loading and unloading coverage and available tail coverage Program Highlights Ability to honor prior carriers’ retroactive dates on new business Flexible deductible options Simple, streamlined underwriting appropriate for smaller accounts Capacity up to $4,000,000 Underwriting Notes and Minimums This is a focused Site Pollution Liability program intended for smaller auto servicing risks. Typical submissions should include basic site information, tank schedules (if any), and any known environmental history. The program offers flexible underwriting but is best suited for operations without significant historical contamination, complex remediation needs, or heavy industrial exposures. Minimum premium: $500. Territories and Carrier Available across the following U.S. 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. Coverage is placed with Berkley Specialty Underwriting Managers through an “A+ XV” rated carrier. Appetite and Typical Restrictions Good fit: small to mid-size auto dealers and service shops, single-location or small multiples with routine maintenance operations. Less suitable: large-scale body shops with heavy historic contamination, major fueling facilities, sites with active regulatory cleanup orders, or locations with frequent off-site hazardous waste hauling under the insured’s control. Tank schedules and disclosures of any prior releases are required for underwriting when applicable. Example Account Scenarios You have a family-owned 3-bay repair shop with an on-site 100-gallon above-ground oil tank and routine oil change operations — this program can provide dedicated pollution limits and cleanup coverage without the cost of a full commercial pollution policy. An independent dealer with a small lube center and a non-regulated underground tank (previously installed and disclosed) that needs scheduled tank coverage and the ability to carry a retroactive date from the prior carrier. Why Place This Business with Amwins Underwriting Amwins Underwriting offers a targeted program designed for the needs of small auto servicing operations, combining focused coverage features, flexible underwriting, and access to a reputable carrier (Berkley Specialty Underwriting Managers). The program balances manageable pricing and meaningful pollution protection, with quick turnaround for straightforward risks. It’s a practical market for agents seeking a pollution solution that fits smaller automotive accounts without overpaying for capacity they do not need. Program Limits: Up to $4,000,000 Minimum Premium: $500 Frequently Asked Questions What types of accounts are a good fit for the Auto Dealer's Pollution program?Small to mid-size auto dealers, repair shops, lube and oil-change centers, tire dealers, muffler and transmission shops, and similar servicing operations with routine automotive maintenance exposures and limited historical contamination are the primary target. Can the program cover above-ground and underground tanks?The program provides automatic coverage for above-ground tanks up to 110 gallons and allows scheduling of larger above-ground systems. Non-regulated underground storage tanks can be scheduled for coverage—disclosure and tank details are required for underwriting. Will Amwins Underwriting accept a prior carrier’s retroactive date?Yes. The program has the ability to honor previous carriers’ retro dates on new business when documentation supports the requested date and underwriting accepts the history. What is the minimum premium and are there flexible deductible options?The published minimum premium is $500. The program also offers flexible deductible options; final terms depend on the risk profile and underwriting review. Need help placing an account? Connect with a market specialist.