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ProSight Specialty Insurance offers a tailored Lawyers Professional Liability Insurance program that goes beyond a one-size-fits-all approach. Our high-touch underwriting model is designed to understand the unique risk profile of each law firm—whether large or small, general practice or specialized. We take the time to evaluate how your clients manage risk and operate their practice, helping you place the right coverage for their specific needs. Overview of the Program From ProSight Specialty Insurance With deep expertise in professional liability and a focus on the legal sector, ProSight provides both Primary and Excess Lawyers Professional Liability Insurance. Our solutions are available for a broad range of law firms, including those considered hard to place. Whether your client is a new solo practitioner or a multi-state firm with complex exposures, we can help you find the right protection. Ideal Accounts and Appetite We’re looking for law firms that demonstrate proactive risk management, regardless of size or area of practice. Our appetite includes: Small to mid-sized law firms with 1–50 attorneys Firms specializing in real estate, family law, personal injury, corporate law, or general practice Firms with prior claims history that have improved their risk management strategies You might have a client who is expanding into higher-risk practice areas or a firm that was previously non-renewed due to claims—this program could be a fit. Coverage Highlights and Advantages Primary and Excess coverage available Capacity up to $10 million for qualified risks Admitted and non-admitted options to meet varying state requirements and risk profiles Solutions for standard and hard-to-place risks Our underwriting team evaluates each submission on its own merits, allowing for flexibility and creativity in structuring coverage that fits. Underwriting Notes We do not take a cookie-cutter approach. Each submission is carefully reviewed by experienced underwriters who understand the legal profession and the nuances that come with it. Strong documentation of firm procedures, internal controls, and claims history can help improve the outcome. Territories and Availability Our Lawyers Professional Liability Insurance program is available in most states across the U.S., including but not limited to CA, FL, NY, TX, IL, and GA. We can write both admitted and non-admitted business in many jurisdictions, depending on the firm profile and risk characteristics. Why Work With ProSight As a carrier with deep specialization in professional liability, ProSight brings a unique combination of underwriting expertise, flexibility, and commitment to service. We partner closely with agents and brokers to craft solutions that align with your clients’ evolving needs. If you're looking for a more thoughtful and responsive underwriting experience, ProSight is ready to help. Frequently Asked Questions What types of law firms are a good fit for this program?We target small to mid-sized law firms, including those in general practice, real estate, family law, personal injury, and other common areas. Firms with strong risk management practices are a great fit. Can you write coverage for firms with prior claims?Yes, we consider firms with a claims history—especially those that have taken steps to improve their internal controls and risk management procedures. Do you offer both admitted and non-admitted options?Yes, we provide both admitted and non-admitted coverage depending on the jurisdiction and the risk profile of the firm. Is this program available nationwide?Our program is available in most U.S. states. Please reach out to confirm availability in your client's specific location. What are your coverage limits?We can offer limits up to $10 million for qualified risks, with both Primary and Excess coverage options available. Need help placing an account? Connect with a market specialist.

ProSight Specialty Insurance offers an Energy and Oil Fields Contractor Insurance program tailored to small- and mid-sized oil and gas contractors. Designed for businesses with annual revenues under $10 million, this program delivers targeted insurance solutions for land-based oilfield operations and related services. Overview of the Program ProSight's Energy program is built for the operational and liability risks common to the oil and gas sector. Using a proprietary rating structure and industry-focused underwriting, the program provides competitive, tailored solutions for contractors, service providers, equipment suppliers, and well operators working onshore. Ideal Accounts and Appetite This program is a strong fit for agents placing: Independent oilfield contractors Well owners and onshore operators Oilfield trucking and hauling firms Equipment and product suppliers to the oil and gas industry Service providers supporting drilling, completion, and extraction ProSight focuses on accounts with annual revenue under $10M. Note: offshore operations and accounts with pollution exposures are not eligible for this program. Coverage Highlights and Advantages Agents can place a broad package of coverages under this program, including: General Liability Commercial Property Commercial Auto Inland Marine — rigs, contractor equipment, mobile equipment, and downhole tools Workers' Compensation Umbrella coverage up to $10 million By excluding pollution and offshore exposures, the program streamlines underwriting and allows ProSight to deliver more accurate pricing for eligible, land-based accounts. Underwriting Notes ProSight uses a proprietary rating model developed for oil and gas contractors to improve pricing accuracy. Underwriting emphasizes operational safety, documented industry experience, equipment condition, and loss control. While no formal minimum premium is specified, well-documented submissions with complete loss runs, equipment schedules, and safety programs help speed placement and binding. Territories and Availability This program is available on a non-admitted basis in 19 energy-producing states: AR, CA, CO, ID, IL, KS, MN, MO, MT, NE, NM, ND, OK, PA, SD, TX, UT, WV, and WY. Why Work With ProSight Specialty Insurance ProSight brings deep energy-sector expertise and a focused underwriting approach for oilfield contractors. The carrier’s proprietary rating structure and experienced underwriters allow you to place complex, land-based energy risks with confidence. If you have a small rig operator in Texas, an equipment supplier in North Dakota, or a trucking firm supporting well sites in Colorado, this program provides the coverages and capacity to protect those accounts. Frequently Asked Questions What types of accounts are a good fit for this program?This program is best suited for small- and mid-sized onshore oilfield contractors, well operators, trucking firms, equipment suppliers, and service providers that support drilling and extraction. Is pollution coverage included in this program?No. Pollution coverage is excluded. Accounts with known pollution exposures should be submitted elsewhere. Can offshore operations be covered?No. Contractors with offshore operations are not eligible for this program. What states is the program available in?The program is available on a non-admitted basis in 19 states with significant oil and gas activity, including TX, OK, ND, CO, and others listed above. What types of inland marine items can be covered?Inland Marine can include rigs, contractor equipment, mobile equipment, and downhole tools—schedules and values should be provided with the submission. Need help placing an account? Connect with a market specialist.

Insurance coverage for Underground Storage Tanks is becoming increasingly difficult to secure, especially as many carriers are choosing not to renew policies due to the age and condition of tanks. Under federal requirements, owners and operators of underground and aboveground storage tanks must demonstrate financial responsibility for corrective actions and third-party liability resulting from accidental releases. This includes bodily injury and property damage claims caused by leaks or spills. Comprehensive Coverage From Prime Insurance Company Prime Insurance Company offers a flexible and robust pollution liability solution for a wide range of tank exposures. Whether your insured operates a gas station, municipal fueling site, or agricultural facility, this program is designed to help you place hard-to-insure accounts with confidence. Ideal Accounts and Target Classes Prime is actively seeking risks across a variety of industries that own or operate aboveground or underground storage tanks. Target classes include: • Gas stations • Airports (aboveground or underground storage tanks) • Trucking companies (with their own gas or diesel tanks) • Governmental entities (municipalities, cities, or towns with fueling operations) • Agricultural risks (farms with on-site fuel tanks) • Heating oil distributors (with aboveground or underground tanks) This program is ideal for insureds who need coverage to meet federal or state financial responsibility requirements, or who are facing non-renewals due to tank age. Coverage Highlights and Features Prime’s policy offers broad protection for pollution-related exposures, including: • Sudden and accidental release coverage • Non-sudden accidental release coverage • Self-Insured Retention (SIR) options for third-party bodily injury/property damage—minimum $10K • Bodily injury/property damage deductible applies to state-mandated corrective action • Occurrence form available *Please note: This coverage excludes prior, existing, or ongoing leakage or contamination. Coverage is suspended during tank modifications, repairs, or replacement. All tanks must comply with state and federal regulations regarding filling and maintenance. Underwriting Notes Prime underwrites each submission individually, offering a flexible and responsive approach to tank-related risks. While there is no stated minimum premium, the SIR and deductible structures are designed to address high-risk exposures with competitive terms. Available Nationwide This program is available in all 50 states plus Washington, DC. Whether your client is in a rural agricultural area or a densely populated urban market, Prime can help you find a solution. Why Work With Prime Insurance Company? As a specialty carrier, Prime Insurance Company has the experience and flexibility to handle complex environmental and pollution-related risks. Their responsive underwriting, broad appetite, and willingness to look at challenging risks make them a strong partner in this difficult class of business. You’ll benefit from direct access to underwriters and a streamlined quoting process—often with same-day turnaround. You might have a client who owns a chain of gas stations and recently lost coverage due to aging tanks. Or a municipality that operates several fueling stations for its service vehicles. Prime can help you place these accounts when others won’t. To get started, visit Prime Insurance Company's CompleteMarkets profile or request a quote directly through the Underground Storage Tanks program page. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for gas stations, airports, trucking companies, municipalities, farms, and heating oil distributors with underground or aboveground storage tanks. Can older tanks still qualify for coverage?Yes, Prime considers older tanks, even when other carriers are non-renewing due to age. However, tanks must not have existing leakage or contamination and must meet regulatory compliance. Is coverage available in my state?Yes, this program is available in all 50 states and Washington, DC. Does the policy include coverage for both sudden and gradual pollution events?Yes, coverage is available for both sudden and non-sudden accidental releases, subject to terms and underwriting approval. How quickly can I get a quote?Prime offers same-day quoting in many cases. Submit a complete application and necessary tank information to expedite the process. Need help placing an account? Connect with a market specialist.

ProSight Specialty Insurance offers a focused program for Construction Managers that combines General Liability (GL) and Professional Liability (PL) into a single, integrated policy. The Construction Managers General Liability and Professional Liability Insurance package reduces coverage ambiguity between operational and professional exposures and makes placing and managing coverage simpler for brokers and their clients. Ideal Accounts and Appetite This program is geared to construction management firms that supervise and coordinate building projects across commercial, residential, and public infrastructure sectors. ProSight looks favorably on Certified Construction Managers and will consider preferred rating for firms that demonstrate credentialing and disciplined risk management. Typical fits include firms that act as owner’s reps, construction managers-at-risk, and program managers who do not perform significant trade work. Coverage Highlights and Advantages By packaging occurrence-based General Liability with claims-made Professional Liability in one policy, ProSight reduces gaps and carrier-to-carrier disputes that can arise when GL and PL are written separately. The integrated approach makes responsibilities clearer when a project-related loss triggers both operational and professional exposure. Key policy features include: Combined GL and PL limits in a single policy for streamlined coverage Optional Excess Liability limits available up to $10 million Coverage enhancements such as Subpoena Expense and Disciplinary Proceedings Expense Early-intervention claims handling and proactive loss control support from ProSight ProSight’s claims team emphasizes early involvement when a subpoena or suit arises, helping clients limit exposure and stay focused on project delivery. Underwriting Notes and Minimum Premiums Underwriting is tailored to fit firms of varying sizes and complexity. While specific minimum premium information is not published here, ProSight evaluates accounts based on scope of services, revenue, safety programs, certification status, and claims history. The program is offered on a non-admitted basis, providing flexibility to structure terms for unique or higher-risk placements. Territories and Availability This program is available in nearly all U.S. jurisdictions, including AL, AK, AZ, CA, FL, NY, TX, and many others. Coverage is written to support clients with multi-state operations and nationwide project exposure. Why Work With ProSight Specialty Insurance? ProSight brings construction-focused underwriting and a product designed specifically for the construction management segment. Agents benefit from a simplified placement when GL and PL exposures overlap, access to optional excess limits, and a carrier that prioritizes early claims intervention. The program’s combination of niche expertise and flexible, non-admitted capacity makes it a practical option for qualified construction management firms. You might have a client who manages large commercial tenant build-outs across several states or a municipality program manager overseeing multiple public works projects—this program can provide a single policy solution that reduces administrative complexity and improves claims responsiveness. Frequently Asked Questions What types of accounts are a good fit for this program?Certified Construction Managers and firms that provide construction management, owner’s representative, or program management services on commercial, residential, or public projects are good fits. Firms that perform substantial subcontracting or trade work may require different placement. What are the main coverage features of the program?The policy combines occurrence-based General Liability and claims-made Professional Liability in one package, offers optional Excess Liability up to $10 million, and includes enhancements such as Subpoena Expense and Disciplinary Proceedings Expense. Is the program available in all states?Yes. The program is available in all U.S. states and Washington, D.C., supporting clients with multi-state operations. What makes ProSight Specialty Insurance a strong partner for this business?ProSight offers construction-specific underwriting, preferred considerations for certified professionals, and proactive claims involvement designed to protect your client’s business continuity and reputation. Is this an admitted or non-admitted program?The program is written on a non-admitted basis, which allows additional flexibility in underwriting and program design. Need help placing an account? Connect with a market specialist.

ProSight Specialty Insurance offers a comprehensive Marine Insurance program tailored to meet the complex and unique needs of businesses operating in the maritime and energy sectors. Whether your client operates commercial vessels, transports cargo, manages offshore drilling operations, or provides marine contracting services, ProSight’s experienced underwriting team is equipped to evaluate and write even the most challenging risks. We provide flexible solutions for a wide range of exposures that many other markets may not entertain. Ideal Accounts and Appetite ProSight is a strong partner for agents and brokers placing marine and energy-related risks that require specialized coverage and underwriting insight. Target classes include: Commercial vessel owners and operators Shippers, freight forwarders, and cargo handlers Marine contractors and ship repair operations Wharfowners, stevedores, and terminal operators Offshore and onshore oil and gas exploration and production firms Charterers and maritime employers with Jones Act exposures We welcome both traditional and non-traditional marine accounts, including those with complex operations or unique exposures. Coverage Highlights and Advantages ProSight Marine Insurance program offers a wide array of coverages designed to protect maritime businesses from operational, liability, and catastrophic risks: Hull and Machinery War Risk: Protection against war, strikes, riots, and civil commotions impacting commercial watercraft. Cargo and Cargo War Risk: First-party and third-party coverage for goods in transit or temporary storage, including war-related perils. Protection and Indemnity (P&I): Primary and excess liability coverage for vessel operations, including crew injury and cargo liability. Charterers' Legal Liability: Coverage for liabilities arising under charter party agreements. Shoreline Marine Liability: Tailored for shipyards, terminal operators, and related shoreline operations. Marine Contractors' Liability: Coverage for contractors servicing marine and energy clients. Maritime Employers Liability (Jones Act): Protection for employers with Jones Act employee exposures. Marine Umbrella (Bumbershoot) Liability: Excess liability over marine and non-marine primary coverages. Onshore and Offshore Oil and Gas: Covers physical damage and liability for rigs, vessels, pipelines, and well control. Energy Umbrella (Bumbershoot) Liability: Excess protection for energy sector risks, including marine, CGL, and auto liabilities. Underwriting Limits ProSight offers robust limits to accommodate a wide range of risks: Hull: Up to $10,000,000 War Hull: Up to $22,000,000 Energy: Up to $12,500,000 Marine Liability: Up to $40,000,000 Cargo / War Cargo: Up to $30,000,000 Territories and Admitted Status This program is available in all 50 states and Washington, DC. Both admitted and non-admitted options are available depending on the risk and state requirements, allowing flexibility in placement and compliance. Why Work With ProSight Specialty Insurance? ProSight stands out for its willingness to entertain risks that other carriers may decline. Our deep expertise in marine and energy sectors, paired with a flexible underwriting approach, enables agents to place nuanced accounts with confidence. Whether you're working on a standard marine liability account or a complex offshore drilling operation, ProSight delivers tailored solutions backed by knowledgeable professionals. You might have a client who operates a fleet of support vessels in the Gulf or a marine contractor involved in both inland and offshore work—ProSight has the appetite, coverage, and capacity to support these clients and more. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for commercial vessel operators, marine contractors, cargo handlers, ship repairers, and oil and gas exploration companies. Can ProSight write unusual or hard-to-place marine risks?Yes, ProSight specializes in evaluating non-standard and complex marine exposures that may not be considered by other carriers. Is this program available on both an admitted and non-admitted basis?Yes, coverage can be written on an admitted or non-admitted basis depending on the specific state and risk characteristics. What are the coverage limits available?Limits vary by coverage type, ranging from $10 million for hull to $40 million for marine liability and $30 million for cargo-related coverages. Which states is this program available in?This program is available in all 50 states and Washington, DC. Need help placing an account? Connect with a market specialist.

ProSight Specialty Insurance delivers a tailored School Bus Insurance Program designed specifically for transportation operators in the student transport industry. Built by seasoned insurance professionals, this program reflects a deep understanding of the unique exposures faced by school bus operators. In collaboration with All Trans Risk Solutions, one of the most trusted names in transportation insurance, ProSight has developed a specialized offering that meets the high safety and operational standards of this niche market. Ideal Accounts and Appetite This program is designed to serve commercial school bus operations, including private contractors providing transportation services for public and private school districts. Ideal risks include operators with a track record of safety, structured driver training programs, and well-maintained fleets. Whether your client is a small family-owned operation or a larger regional provider, ProSight’s program can be tailored to fit their needs. Coverage Highlights and Advantages The School Bus Insurance Program provides a comprehensive suite of coverages tailored for transportation risks, including: Commercial Auto Liability Physical Damage General Liability Abuse Conduct and Molestation Liability These coverages help protect against the wide range of risks school bus operators face, from vehicle accidents and property damage to sensitive liability exposures involving students and passengers. Underwriting Notes As a non-admitted program, this offering provides greater flexibility in underwriting and pricing for complex or hard-to-place risks. Accounts are evaluated based on safety records, fleet condition, driver experience, and route exposure. There is no publicly listed minimum premium, so submissions are reviewed on a case-by-case basis for best fit and pricing alignment. Availability ProSight’s School Bus Insurance Program is available in most states across the U.S., including but not limited to CA, NY, TX, FL, IL, and PA. The program is written on a surplus lines basis, making it accessible in 48 states plus Washington, D.C. Why Work With ProSight Specialty Insurance? ProSight is known for its deep underwriting expertise and commitment to niche industries like student transportation. By partnering with All Trans Risk Solutions, agents gain access to underwriting teams that understand the operational, safety, and compliance challenges faced by school bus operators. You can expect responsive service, flexible terms, and a partner who understands how to meet your clients' risk management goals. Frequently Asked Questions What types of accounts are a good fit for this program?The program is ideal for school bus operators, including private contractors who serve public and private schools, with well-maintained fleets and strong safety practices. Is this an admitted or non-admitted program?This is a non-admitted program, offering flexible underwriting and coverage options for unique or hard-to-place transportation risks. What coverages are included in the program?Coverages include Commercial Auto Liability, Physical Damage, General Liability, and Abuse and Molestation Liability. In which states is this program available?The program is available in 48 states and Washington, D.C., including major markets like California, Texas, New York, and Florida. Who underwrites this program?ProSight Specialty Insurance underwrites the program in partnership with All Trans Risk Solutions, a transportation industry expert. Need help placing an account? Connect with a market specialist.

Innovative Insurance Solutions Meeting the Changing Needs of the Eldercare Industry ProSight’s Skilled Nursing Insurance program pairs comprehensive liability solutions with practical risk management services. Our underwriting team specializes in eldercare exposures and brings deep experience placing nursing homes, assisted living and senior living facilities into tailored programs. At ProSight we underwrite eldercare risks with an eye to the claim and legal climates that affect nursing facilities. We can customize General Liability and Professional Liability coverage to address clinical and non-clinical exposures, and we combine preferred pricing with loss control resources designed for this segment. Program Highlights Flexible policy options: Occurrence, Claims-Made, and Conversion (Nose) coverage. Industry-specific, broad GL/PL policy forms tailored for nursing homes, assisted living and senior living operators. Workers’ Compensation placement and a specialty loss prevention program to reduce frequency and severity of losses. Value-added non-clinical risk management consulting and assessment tools to help facilities evaluate exposures and improve daily operations. Streamlined submission and underwriting workflow for faster decisions on standard placements. Coverage Limits and Features ProSight offers a GL/PL non-admitted product commonly placed with a $1M/$3M/$5M structure. Typical limit elements include: Health Care Professional Act: $1M each act / $3M aggregate General Aggregate: $3M; Each Occurrence: $3M Personal Injury / Advertising Injury: $1M Employee Benefits Liability: $1M each act / $1M aggregate Sexual Misconduct coverage: $1M each act / $1M aggregate Hired / Non-Owned Auto: $1M CSL Damage to Premises Rented to You: $50,000; Medical Expense: $5,000 Evacuation and Crisis Management limits: $25,000 each incident / $25,000 aggregate Nose Cover (for conversions from Claims-Made to Occurrence): $1M (when applicable) Ideal Accounts and Appetite ProSight’s Skilled Nursing Insurance program is aimed at: Standalone nursing homes and skilled nursing facilities Assisted living and memory care communities Small to mid-sized owner/operators and managed portfolios with stable operations Accounts willing to engage with loss prevention services and implement non-clinical risk improvements Typical risks that fit well: licensed nursing facilities, assisted living with nursing oversight, short-term rehabilitation units, and small chains under centralized risk management. Risks that may require referral or special underwriting include large, complex multi-state systems with significant adverse loss histories or high-risk clinical programs outside standard eldercare services. Underwriting Notes ProSight emphasizes a practical underwriting approach: concise submissions, attention to claim history and regulatory actions, and documentation of safety and resident-care practices. The program pairs underwriting with proactive non-clinical risk management consulting — a useful differentiator when presenting accounts. Because this offering is a non-admitted product in the states where it is available, please confirm placement suitability for each client and state. Territories & Availability Available in: AL, CT, DE, FL, GA, IL, IN, KY, ME, MD, MI, MS, NH, NJ, NY, NC, OH, PA, RI, SC, TN, VT, VA, DC, WV, WI. This program is currently offered as a non-admitted product in these jurisdictions; verify state availability and regulatory requirements before submission. Why Place Skilled Nursing Business with ProSight Specialty Insurance As a specialty carrier focused on complex liability lines, ProSight combines experienced healthcare underwriting with loss prevention services built for eldercare. Agents benefit from flexible policy forms, competitive limit structures, and access to consultative risk management — helping you present stronger submissions and protect client operations. Example placement scenarios: You have a six-bed skilled nursing facility with clean loss runs and formal risk management practices — this program can offer tailored GL/PL terms and access to loss control consulting. A regional assisted living operator seeks conversion from a claims-made policy to occurrence coverage — Nose Cover availability can help bridge the conversion risk when eligible. To submit: provide recent loss runs, regulatory or survey reports, staffing and credentialing practices, and a clear description of services offered. ProSight’s underwriters will work with you to identify the best form (Occurrence, Claims-Made or Conversion) for the account and outline available risk management resources. Frequently Asked Questions What types of accounts are a good fit for ProSight’s Skilled Nursing Insurance program?Licensed nursing homes, skilled nursing facilities, assisted living and memory care communities with organized operational controls and defensible loss histories are the core target. Small to mid-sized owner/operators who will engage in loss control are especially well suited. Is this program admitted or non-admitted?The program is offered as a non-admitted product in the states listed on the storefront. Confirm state availability and any placement implications with compliance prior to binding. What liability limits and coverages are available?ProSight commonly places accounts with a $1M/$3M/$5M structure and offers Health Care Professional Act limits, general aggregate and occurrence limits, sexual misconduct coverage, hired/non-owned auto, crisis management and optional Nose Cover for conversions. Exact limits depend on underwriting and eligibility. What submission materials and underwriting items should I include?Include current loss runs, copies of recent surveys or regulatory reports, staffing/credentialing procedures, and a description of clinical and non-clinical services. Highlight any active risk management programs to improve placement prospects. Need help placing an account? Connect with a market specialist.

Allied American Underwriters (AAU) is a specialty product provider and commercial lines program manager. Currently, there are five divisions: Workers Compensation, Programs, Environmental, Personal Lines and Bonds. AAU can consider standard workers' comp, hazardous workers' comp, staffing workers' comp, USL&H workers' comp, and large account workers' comp. Programs consist of Commercial Storage Tanks, Dealers Storage Tanks, Dance Schools, Educational Institutions, Non-Profit and Human Services, Religious Institutions, Security and Alarm, Special Events, and Youth & Adult Team Sports. AAU takes great pride in playing an integral part in the growth of your agency to develop a book of business together. AAU is a division of USG Insurance Services, Inc., a national wholesaler and managing general agent (MGA) with 18 offices across the country and the ability to write in all 50 states. AAU's flagship office is located in Canonsburg, Pennsylvania. AAU's Commercial Storage Tanks Program includes above and underground storage tanks, with an "A++" rated carrier. Storage tank limits are up to $5M and deductibles start at $5,000. Targeted Classes Include: Airports Auto Dealerships Commercial/Industrial Facilities Convenience Stores Garages/Repair Shops Hospitals/Medical Facilities Generators with Tank Support Manufacturing Plants Municipalities Petroleum & Motor Fuel Distribution Schools, Colleges, Universities Gas & Service Stations Marinas Features: Equal Defense Limits Separate Combined UST/AST Policy Available with Dedicated Limits 10-Year Retroactive Date Available (MA Policy Inception: FL 2010) Tanks up to 30 Years Old Commercial Use Only, No Personal Tanks Older Tanks May Be Considered with Additional Underwriting

ProSight Specialty Insurance understands the complexity and elevated risk profile that general contractors face when building or remodeling high-value residential properties. The Luxury Home Builders General Liability Insurance Program is specifically tailored to meet the needs of residential general contractors who manage luxury home projects and rely heavily on subcontractors. Ideal Accounts and Appetite This program targets general contractors engaged in ground-up construction or large-scale remodeling of luxury residential properties. It is best suited for contractors who subcontract at least 70% of labor and materials. Qualified accounts may also include contractors who occasionally perform commercial remodeling alongside their residential work. Example accounts you can place: a GC managing custom homes listed in the millions that coordinates multiple specialty contractors, or a remodeler completing high-end kitchen, bath and exterior renovations in affluent neighborhoods where project values and exposure are elevated. Coverage Highlights and Advantages ProSight’s Luxury Home Builders program uses a proprietary per-start pricing model rather than traditional ISO payroll or subcontractor cost bases. That simplifies rating and often produces more competitive premiums for qualified risks. The program includes a suite of embedded Commercial General Liability enhancements that are valuable on luxury projects, such as: • Blanket Waiver of Subrogation • Primary and Non-Contributory wording • Broad blanket Additional Insured endorsements • Per-project aggregate limits Beyond policy language, ProSight provides access to experienced risk control professionals and responsive claims management resources to help contractors limit exposures and protect project margins. Underwriting Notes and Limits This is a non-admitted program underwritten by ProSight Specialty Insurance. General Liability and Excess Liability limits are available up to $5 million. Underwriting favors accounts with strong subcontractor vetting and management practices, clear contract flow-downs, and a demonstrable history of project oversight. Available States The Luxury Home Builders General Liability Insurance Program is currently available in the following states: AL, AK, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, ME, MD, MA, MI, MN, MS, MO, MT, NE, NH, NJ, NM, NY, NC, ND, OH, OK, PA, RI, SC, SD, TN, TX, UT, VT, VA, DC, WV, WI, and WY. Why Work With ProSight ProSight Specialty Insurance brings focused expertise in niche construction risks and a streamlined underwriting approach for luxury residential contractors. Agents and brokers benefit from a dedicated carrier platform, specialty underwriting knowledge, competitive per-start pricing for qualified risks, and access to tailored risk control and claims services. To learn more or begin placing business, visit the Luxury Home Builders General Liability Insurance storefront or view ProSight’s full company profile. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for general contractors who specialize in building or remodeling luxury residential homes and who subcontract at least 70% of labor and material costs. Is commercial remodeling work eligible under this program?Yes. Qualified general contractors that perform some commercial remodeling in addition to luxury residential projects may be eligible—subject to underwriting review. What makes this program different from standard general liability policies?ProSight’s proprietary per-start pricing and the program’s embedded liability extensions (such as blanket waivers and broad additional insured wording) distinguish it from many standard GL offerings that add these features only as endorsements for extra cost. Is this program available on an admitted basis?No. The Luxury Home Builders program is offered on a non-admitted basis through ProSight Specialty Insurance. In which states is this program offered?The program is available in more than 40 states. See the “Available States” section above for the current list of territories where you can place business. Need help placing an account? Connect with a market specialist.