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...ines. ASCS distributes a suite of public entity products designed for pools an...ts during submission, especially for workers’ compensation and surplus-lines placements. ...

...and risk-management solutions for public entities across Illinois. Administere...unts are a good fit for this program?Public entities in Illinois such as counties, municipalities, townships, public schools, and special districts are...

...olutions tailored for private and publicly traded companies, not-for-profits, and public entities. Ideal Accounts and Appe...m?Ideal accounts include private and public companies, municipalities, and non...

...n, food processing, plastics) Public Sector & Education (municipal ope...sential tools to place high-exposure Workers’ Compensation risks. We connect you to specia...

... Umbrella liability limits Workers’ compensation — click here to learn more F...

... liability solution for Certified Public Accountants. This program is designed...

DealerGuard - Auto Dealer's Open Lot For over 30 years, DealerGuard from Amwins Underwriting has provided open-lot physical damage coverage tailored to franchised and large independent auto dealers, associations, and finance company floorplans. The program pairs targeted underwriting with consultative service, loss-control support, and nationally recognized claims administration to protect inventory parked on dealer lots. Sweet spot Franchised auto dealers or large independent auto dealers Low demo/employee ratio (<10%) Low loss ratio (<30% current year; <40% prior three years) 5+ years in operation (franchised); 3+ years in operation (independent) Eligible risks - Franchised automobile dealers. Typical operations include sales of new and used vehicles, with incidental maintenance, service, and repair. Minimum account premium is $10,000. - Dealer Open Lot coverage may be written in conjunction with Manufacturer and Floorplan coverage. Ineligible risks - Auto (daily or weekly) rental operations - Boat dealers Coverage highlights Dealer's Open Lot Available for “non-floored only” accounts when required. Inventory protection can be extended to motorcycle and bus dealers. Parametric Parametric hail coverage is available for dealers in high-weather-risk zones where traditional terms can be difficult to secure. Other coverages available (separate policies) - Pollution and Underground Storage Tank Services & claims - Loss control and consultative services - Claims management provided by a nationally recognized third-party administrator - Dedicated, client-focused service team Underwriting notes & minimums Amwins Underwriting operates this program as a non-admitted market focused on larger dealer accounts. The program’s minimum account premium is $10,000. Underwriters look for stable operations, clean loss histories, and strong on-lot controls. Typical requirements include a completed DealerGuard application and currently valued loss runs (current year plus four prior years). Submission requirements - Completed DealerGuard application - Currently valued loss runs (current plus four prior years) - Franchised dealers: page one of the most recent month-end financial statement for each franchise/dealership - Non-franchised dealers: detailed inventory listing for all vehicles Please send submissions to: [email protected] Territory & carrier Available in: AL, AK, AZ, CA, CT, DE, FL, GA, ID, IL, IN, KY, LA, ME, MD, MA, MI, MN, MS, MT, NV, NH, NJ, NM, NY, NC, ND, OH, OR, PA, RI, SC, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Carrier: Lexington. Program administered by Amwins Underwriting (MGA). Why place DealerGuard through Amwins Underwriting? Specialized underwriting for franchised and large independent dealers with decades of program experience. Integrated loss-control and claims services designed for large inventory exposures. Flexible options for non-floored risks, inventory types (including motorcycles and buses), and parametric solutions for hail-prone territories. Dedicated underwriting and service teams focused on dealer-floorplan and open-lot exposures. Example accounts that fit this program You represent a multi-franchise dealer group with consistent safety controls, a low demo-to-employee ratio, and a five-year operating history — ideal for DealerGuard placement. A large independent dealer with several satellite lots, clean loss runs, and a $12,000 account premium need — fits the program’s minimum and underwriting profile. When completing applications, please include the Date a Quote is Required and the Expiring and/or Target Premiums. Frequently Asked Questions What types of dealer accounts are a good fit for DealerGuard?DealerGuard is designed for franchised auto dealers and large independent dealers with stable operations, low demo/employee ratios, and strong loss histories. The program targets accounts with solid on-lot controls and multi-year operating experience. What are the submission and documentation requirements?Submit a completed DealerGuard application, currently valued loss runs (current plus four prior years), and financials or detailed inventory listings depending on whether the dealer is franchised or independent. Is there a minimum premium or territory restrictions?Yes. The program’s minimum account premium is $10,000. Coverage is available in the states listed above; confirm availability with underwriting for specific risks. Does the program handle claims and loss control?Yes. Amwins Underwriting pairs the DealerGuard program with loss control and consultative services and uses a nationally recognized third-party administrator for claims management. What is the parametric hail option and when is it used?The parametric offering provides a hail-triggered payout for dealers in high-weather-risk zones where traditional terms may be limited. It’s intended as an alternate solution for hail-prone portfolios. Need help placing an account? Connect with a market specialist.

LawGold, part of Amwins Program Underwriters, offers E&O insurance coverage for law firms with 1-40 attorneys. Overview of the Program From Amwins Underwriting Amwins Underwriting’s LawGold program provides professional liability (Lawyers E&O) designed specifically for small law firms and solo practitioners. The program is geared to firms that need tailored E&O protections, flexible optional enhancements, and access to admitted paper in many states. Coverage is issued through Amwins Program Underwriters and underwritten with an emphasis on straightforward risks and clean or minimal loss histories. Ideal Accounts and Appetite Solo attorneys and small law firms of 1–40 attorneys. Clean or minimal prior loss history; some affirmative consideration for firms with limited, well-managed prior claims. Solo attorneys or at least one partner should have been admitted to practice for at least two years. Practices without extensive high-exposure specialties (e.g., mass torts, large transactional platforms, or frequent class actions) are the best fit. Coverage Highlights and Advantages Professional liability (errors & omissions) limits appropriate for small law firms. Electronic media liability included to address risks from online communications and content. Worldwide coverage available for professional services, subject to policy terms. Predecessor firm coverage to protect newly merged or reorganized practices. Optional coverages to broaden protection, including: Separate limit for claims expenses Client identity theft coverage Broadcasters liability Career coverage Trustees liability coverage Gramm-Leach Bliley Act (GLBA) coverage Lateral hire coverage Underwriting Notes Underwriting focuses on the firm’s practice areas, claims history, attorney experience, and risk management controls. Expect underwriters to ask for: Prior acts and loss history details Resume or biography for principals/partners showing admission dates and experience Information on firm procedures for conflicts, client intake, and data security when optional cyber/identity products are requested Firms with significant or recurrent malpractice claims, high-volume transactional work, complex litigation exposures, or specialty practices outside the program’s appetite may be declined or referred to excess/non-program markets. Territories and Admitted Status The LawGold program is available in all U.S. states and Washington D.C. Amwins offers admitted coverage in select states. Admitted coverage is available in: AL, AZ, CO, FL, GA, IL, IN, KS, MA, MI, MO, NE, NV, NC, OH, PA, TX, UT, and WV. Non-admitted or excess options may be available in other jurisdictions—confirm state placement options with Amwins underwriting. Example Accounts That Fit This Program A two-attorney family law firm with clean prior history seeking a policy that includes electronic media coverage and optional client identity theft protection. A solo transactional attorney admitted for five years looking for admitted paper in their state and predecessor coverage after a recent firm name change. Why Work With Amwins Underwriting on Lawyers E&O Program-focused underwriting tailored for small law firms and solo practitioners. Admitted paper in many states combined with optional enhancements that let you tailor protection to the client’s exposures. Simple eligibility guidelines that help agents place straightforward risks quickly. Access to Amwins’ broader distribution and program resources when accounts need placement support or endorsement tailoring. For additional program details, application instructions, and submission requirements, refer to the LawGold product page: Click here for additional details about our LawGold program. Frequently Asked Questions What types of accounts are a good fit for LawGold?LawGold targets solo attorneys and law firms with 1–40 attorneys that have clean or minimal loss histories and at least one partner or solo attorney admitted for two or more years. Routine practice areas and firms without frequent high-exposure litigation are ideal. Is admitted coverage available?Yes. Amwins offers admitted LawGold coverage in select states (including AL, AZ, CO, FL, GA, IL, IN, KS, MA, MI, MO, NE, NV, NC, OH, PA, TX, UT, and WV). Availability varies by state—confirm with underwriting at submission. What optional coverages can I add for a client?Options include a separate limit for claims expenses, client identity theft coverage, broadcasters liability, career coverage, trustees liability, GLBA coverage, and lateral hire coverage. Availability depends on underwriting and the client’s exposures. What information does underwriting typically require?Underwriters generally request prior acts/loss history, resumes or admissions dates for principals, descriptions of practice areas, and details on firm risk controls—especially if optional cyber/identity protections are requested. How should I submit a deal or get more information?Submit via your usual Amwins placement channels or contact the Amwins Underwriting team for guidance on eligibility, admitted availability by state, and submission checklists. Need help placing an account? Connect with a market specialist.

USG Insurance Services, Inc. is a national wholesaler and managing general agent (MGA) with 18 offices across the country and the ability to write in all 50 states. Built from the ground up by some of the top executives in insurance, USG continues to expand operations nationwide while providing innovative solutions for the risk management industry. The USG team consists of experts divided not by territory, account size, or coverage who can help meet all commercial insurance account needs. We are problem solvers for all commercial lines coverages and specialize in hard-to-place risks, providing our agents with focused expertise and solutions. In 2016, USG is celebrating 15 years in business and continues to outpace industry growth metrics with a state-of-the-art Service Center, Marketing Department, and IT Department. We have also branched out into several specialty divisions, including AAU: Allied American Underwriters, Brokers Financial Services, BFS Inspections, Into Innovations, and Aureate. Our forward-thinking technology continues to evolve through our proprietary system, I3x, that expedites quote process and policy service; and through the launch of a new online and phone quoting system, INS LINK, that will streamline small transactional accounts and bring in additional opportunities nationally. USG's corporate office is located in Tampa, Florida; and our flagship office is located Any Capacity - Large Schedules Primary & Excess Layers HPR/Non HPR Multi State Schedules Vacant: Commercial & Residential Coastal Locations

McGowan Excess & Casualty General Contractors Umbrella Insurance Overview The McGowan Companies offers General Contractors Umbrella Insurance through its McGowan Excess & Casualty program to help agents place excess/umbrella capacity for commercial general contractors. This program provides standalone commercial umbrella liability and follow-form excess liability, with lead umbrella limits starting at $1 million and capacity available up to $100 million. Coverage is underwritten by a variety of carriers and is available in most states. Ideal Accounts and Appetite This program targets commercial general contractors and GC operations for mid-size to large projects. Typical classes we can consider include: Office buildings Schools and educational facilities Post offices and government facilities Nursing homes and assisted care facilities Shopping centers and retail developments Accounts with established loss control practices, disciplined subcontractor management, and lead umbrella placements from admitted or non-admitted carriers are preferred. Heavy civil, mining, oil & gas well sites, and specialty subcontractor-only operations are generally outside the appetite unless specifically negotiated. Coverage Highlights Products: Commercial Umbrella Liability and Follow-Form Excess Liability. Umbrella Limits: Lead umbrella placements from $1M (capacity available up to $100M). Excess Layers: Ability to write excess layers over lead umbrellas from $1M to $100M. Required Underlying Rating: A- / VII (exceptions may be made for employers’ liability carriers where appropriate). Carriers: Varies by submission—The McGowan Companies places with multiple facultative and treaty markets to secure capacity. Underwriting Notes Underwriters review account-level exposures such as payroll and contract values by operation, subcontractor usage, safety programs, and loss history. Typical information that speeds placement includes current primary and umbrella policies, five years of loss runs, a description of current operations and project types, and contractor payroll or project values by trade. The program can place follow-form excess layers over existing lead umbrellas subject to carrier approval. Territories and Admitted Status Availability: Most Available States. The 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. Some placements may be admitted or non-admitted depending on the carrier and state rules; please consult underwriting on a per-submission basis. Example Accounts You have a regional general contractor building a new office campus with a $10M project value and a $1M lead umbrella—this program can provide follow-form excess layers up to higher limits to align with contract requirements. You represent a developer GC for multiple school renovation projects seeking $5M–$20M aggregate umbrella capacity where consolidated excess placement and coordinated terms reduce gaps in coverage. Why Place This Business With The McGowan Companies Managing general underwriter with a construction-focused excess and casualty practice. Access to multiple carriers and the ability to assemble layered capacity up to $100M. Flexible placement—standalone umbrella or follow-form excess options to match primary program structure. Underwriting experience in commercial GC classes and willingness to consider reasonable exceptions for underlying employers’ liability carriers. Submission Tips To expedite evaluation, include complete primary and umbrella policy forms, five years of loss runs, description of operations by trade, payroll and contract values, and any risk control/safety documentation. If seeking excess layers over an existing lead umbrella, provide the lead umbrella policy and information on the lead carrier. Frequently Asked Questions What types of general contractors are a good fit for this program?Commercial general contractors working on office buildings, schools, nursing homes, post offices, shopping centers and similar projects are the primary targets. Accounts with formal safety programs, controlled subcontractor use, and stable loss history fit best. What limits and layering options are available?Lead umbrella limits start at $1M with capacity available up to $100M. The program can also write excess layers over existing lead umbrellas ranging from $1M to $100M, subject to underwriting and carrier approval. Are there minimum underlying carrier requirements?Yes. The typical required underlying rating is A- / VII. Underwriters may consider exceptions for employers’ liability carriers on a case-by-case basis—discuss exceptions with McGowan Excess & Casualty underwriters at submission. Which states is this program available in?The program is available in most states (see the list on the program page). Admitted vs. non-admitted placement depends on the carrier selected and state regulations; confirm availability with underwriting for the specific jurisdiction. Need help placing an account? Connect with a market specialist.