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Expertise. Solution. Service. MAXIMUM's Beauty Salons and Barber Shops program is a wholesale broker market designed for agents placing salon, barber and individual beauty professional risks. The program combines flexible limits, simple rating for professional services, and value-added business services to help you place accounts efficiently and competitively. Available Limits: • General and professional liability limits up to $1 million/$2 million • Property limits up to $3 million (subject to coastal guidelines) • Hired and non-owned auto up to $1 million • Excess/umbrella up to $5 million Preferred Business: • Risks with revenues up to $3 million • Eligible classes include, but are not limited to: • Barber shops • Independent contractor beauticians/barbers/manicurists/massage therapists • Beauty parlors and hair styling salons Ineligible Risk Characteristics: • Located in AK, LA, or WV • Hair removal by electrolysis • Eyelash extensions • Student operators • Products sold under the applicant’s own name or label Product Advantages: • No liability deductible • Rated on the number of professional operators • Automatically includes professional liability for services such as waxing and massages • Chair or booth renters are considered named insureds under the salon’s professional liability • No designated premise restriction • Ability to consider: • Up to 4 tanning beds • Incidental massage services • New ventures • Access to Business Solution Vendors, including: • Human Resources services • Pre-employment and tenant screenings • Identity Theft protection • Marketing resources Ideal Accounts and Appetite This program is best for independent salons, barber shops, and self-employed beauty professionals with annual revenues generally up to $3 million. MAXIMUM will consider single-location and small multi-location operations where exposures are limited to routine beauty and grooming services. Typical fits include: Neighborhood barber shops and full-service hair salons Salons that rent chairs or booths and engage independent operators Establishments offering waxing, nail services, styling, and incidental massage Underwriting Notes — What Will Trigger a Decline Underwriters will typically decline accounts with high-risk or specialized procedures that fall outside routine salon services. Key ineligibilities include: Locations in Alaska, Louisiana or West Virginia Hair removal by electrolysis and eyelash extension services Student-run operations and businesses manufacturing or selling products under their own label Coverage Strengths and Practical Advantages MAXIMUM’s program is structured to make placement straightforward for agents: No liability deductible — improves competitiveness for small business accounts. Professional liability included automatically for common salon services such as waxing and massages. Chair/booth renters are treated as named insureds on the salon’s professional liability — simplifies cover for shared-space arrangements. Rated by number of professional operators — easy quoting for mixed-staff models. Ability to consider limited ancillary exposures (up to four tanning beds, incidental massages) and new ventures. Territories and Admitted Status Availability: Most Available States. This program is available through MAXIMUM as a wholesale broker in the following jurisdictions: 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, WI, WY. Check state-specific eligibility and coastal property guidelines for property limits. Example Accounts You have a single-location hair salon with three stylists, offering color, cuts, waxing and occasional chair renters — this program can provide GL and professional liability with no deductible and treat the renters as named insureds. A neighborhood barber shop with one towing-owned vehicle exposure for product deliveries and revenues under $1 million — the program’s hired/non-owned auto limit and the GL/PL package can be a straightforward option. Please reach out to us today by phone or email with any questions and to discuss how we can assist in this process. Frequently Asked Questions What types of salon and barber risks are a good fit for MAXIMUM’s program?Small to mid-sized salons and barber shops with routine services (cuts, color, waxing, nails, incidental massage) and revenues generally up to $3 million. Chair or booth rental arrangements and new ventures are also considered. Are professional liability and chair renters covered?Yes. Professional liability for common services (including waxing and massage) is included automatically, and chair or booth renters can be listed as named insureds under the salon’s professional liability. Which exposures are ineligible under this program?The program excludes locations in AK, LA, and WV, as well as operations offering electrolysis, eyelash extensions, student-run shops, or businesses that manufacture and sell products under their own label. What are the primary limits available and important underwriting considerations?Typical limits include GL/PL up to $1M/$2M, property up to $3M (with coastal restrictions), hired/non-owned auto up to $1M, and umbrella up to $5M. Policies are rated by number of professional operators; property coastal guidelines and state availability may affect acceptance and limits. Need help placing an account? Connect with a market specialist.

...rectors & Officers Liability insurance program tailored for residential an...h extensive experience in specialty insurance programs, MAXIMUM delivers tailo...

Expertise. Solution. Service. MAXIMUM’s Janitorial Services program is a specialized offering for agents and brokers placing commercial and residential cleaning businesses. As a wholesale broker with admitted markets in most states, MAXIMUM delivers flexible, customizable solutions you can use to place janitorial accounts with confidence. The program is designed for businesses from startups to multi-employee operations and can be tailored to fit an insured’s risk profile and budget. Ideal Accounts and Appetite This program is targeted toward: • Commercial, office, and residential cleaning service providers • Businesses with up to 20 employed workers • Operations where floor waxing does not exceed 50% of total services • Accounts that subcontract up to 25% of annual sales • Businesses offering ancillary services (for example, carpet cleaning, window washing, or landscaping) up to a combined 25% of annual sales Example: You might have a client who provides janitorial services for office buildings and supplements their work with occasional window and carpet cleaning—this would be an ideal fit for MAXIMUM’s program. Coverage Highlights and Advantages MAXIMUM’s Janitorial Services program bundles essential protections and optional enhancements so you can give clients robust, marketable packages: • General liability limits to $1M per occurrence / $2M aggregate with no GL deductible • Broad Form Property Damage extension up to $5,000 / $25,000 • Employee theft coverage up to $100,000 / $200,000 • Contractors’ equipment: $2,500 per item / $10,000 any one loss • Rental reimbursement: $250 per day / $5,000 per loss • Lost key coverage up to $25,000 • Excess liability available up to $5 million • Property coverage available up to $5 million Program strengths: Rated by number of workers — no annual payroll/premium audits Coverage flexibility to match different risk tolerances and budgets Optional blanket additional insured endorsement Ability to include building and/or contents coverage Access to value-added services such as HR resources, background checks, identity theft protection, and marketing support Underwriting appetite for new ventures and accounts with recent losses (subject to review) Underwriting Notes Key deductible and underwriting points: • $0 deductible for general liability • Contractors’ equipment deductible starts at $500 • Property deductible starts at $1,000 Typical ineligible risks include: • Cleaning of mercantile establishments while open to the public • Risks located in Alaska, Louisiana, or West Virginia • Handyman services (for example, painting, plumbing, carpentry) • Street cleaning or bulk debris removal • Restoration or specialty services such as mold remediation or pressure washing Territories and Availability This admitted program is available in most states. Representative available states include: 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, WI, WY. It is not available in Alaska, Louisiana, or West Virginia. Why Work With MAXIMUM? MAXIMUM specializes in niche commercial programs and offers underwriting expertise, admitted market access, and responsive service. When you place janitorial business through MAXIMUM you benefit from: Access to admitted markets in most states for regulatory comfort and wider placement options Underwriting flexibility for new ventures and accounts with challenging histories Customizable coverage structures to meet a range of client needs Dedicated support through the placement process and value-added services to help clients reduce loss frequency We settle for nothing less than the right choices for our clients and support you in placing suitable janitorial risks with confidence. Please reach out to us today by phone or email with any questions and to discuss how we can assist in this placement process. Frequently Asked Questions What types of accounts are a good fit for MAXIMUM’s Janitorial Services program?Ideal accounts are commercial and residential janitorial providers with up to 20 employees, limited subcontracting, and modest ancillary services such as carpet or window cleaning. Can new janitorial businesses qualify for this program?Yes. MAXIMUM will consider new ventures, including those without an established loss history, subject to standard underwriting review. Is this program available on an admitted basis?Yes. The program is admitted in most states, which helps with compliance and simplifies placement for many accounts. What are common coverage options included?Common options include general liability, employee theft, contractors’ equipment, lost key coverage, excess liability, and property coverage—many of which can be adjusted to meet client needs. Are there states where this program is not available?Yes. The program is not available in Alaska, Louisiana, or West Virginia. Need help placing an account? Connect with a market specialist.

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