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Vacant Dwelling Insurance For MD, NC, and VA Agents Insurance Markets, Inc. (AIM) offers a focused vacant dwelling program designed for independent agents who need flexible, admitted coverage for unoccupied homes in Maryland, North Carolina and Virginia. AIM places this business through an admitted paper option with American Modern Home Insurance Group — a carrier rated A+ (Superior) by AM Best — and provides quick quotes, straightforward underwriting and multiple policy-term choices to fit your client's timing. Overview of the Program From Agents Insurance Markets, Inc. This AIM program is built for properties that are temporarily vacant or between tenancies — including homes under renovation or pending sale. You can write standard dwellings of any age with limits up to $500,000 and select 3-, 6- or 12-month policy terms. Liability and optional Vandalism & Malicious Mischief are available. AIM underwrites through American Modern Home Insurance Group and offers admitted placement where available. Ideal Accounts and Appetite Single-family homes that are vacant between tenants or pending closing. Houses undergoing renovation (short-term, supervised remodels). Properties owned by LLCs, trusts or estates. Condominiums and townhomes that will remain unoccupied for a limited period. Preferred risk profile: PC 1–10 occupants prior to vacancy, reasonable maintenance and secured premises. Coverage Highlights and Advantages Choice of 3-, 6- or 12-month vacant dwelling policy terms to match vacancy exposure. Dwelling limits up to $500,000 on standard dwellings of any age. Liability coverage available and optional Vandalism & Malicious Mischief endorsement. Accepts LLCs, trusts and estates as named insureds. Condo and townhome eligibility expands placement options for clients with non-single-family properties. Admitted capacity with an AM Best A+ carrier where state filing allows. No minimum earned premium and automatic renewal to reduce administrative work on short-term risks. Direct bill with optional payment plans to improve client payment flexibility. Underwriting Notes and Minimum Premiums Underwriting focuses on occupancy status, property condition, security and the reason for vacancy (for sale, between tenancies, or under renovation). Ideal risks are routinely maintained, secured and free of significant deferred repairs. AIM accepts entities such as LLCs and trusts; condos and townhomes are eligible. Note that vandalism/malicious mischief is optional and requires specific selection. Because this program is admitted in the available states, state-specific rules apply. AIM offers automatic renewal and direct billing options to simplify servicing short-term vacant exposures. Territories and Availability This program is available for placement in Maryland, North Carolina and Virginia. Availability is subject to state filing and carrier appetite; where an admitted paper is not available AIM can advise alternatives. Confirm eligibility and quoting options with AIM underwriters for risks near state lines or with unique circumstances. Why Work With Agents Insurance Markets, Inc. on Vacant Dwelling Business Specialized vacant dwelling appetite that balances admitted paper and flexible terms. Access to American Modern Home Insurance Group — strong carrier with national experience in dwelling lines. Quick, competitive quotes and tailored term options (3/6/12 months) for temporary exposures. Responsive underwriting for LLC/trust-owned properties, condos and townhomes. Example scenarios that fit this program You have a client selling their single-family home; it will be vacant for 4–8 weeks before closing. A 3- or 6-month vacant policy with vandalism coverage can protect the home during escrow. A landlord is renovating a rental property between tenants. The property is secured, actively supervised by a contractor, and valued under $500,000 — an AIM vacant dwelling term can cover the gap while work is completed. Frequently Asked Questions What types of vacant properties does this program accept?The program accepts standard single-family dwellings, condos and townhomes that are vacant for short periods (between tenants, pending sale, or under renovation). Properties owned by LLCs, trusts and estates are eligible. Which states is this program available in?AIM currently offers this vacant dwelling program in Maryland, North Carolina and Virginia. Availability is subject to carrier filings and local rules, so confirm with AIM for borderline or unusual risks. Is liability coverage included and is vandalism covered?Liability coverage is available with the policy. Vandalism and Malicious Mischief are offered as optional endorsements — include them when the property is unsecured or in higher-risk neighborhoods. What policy terms are offered?You can choose 3-, 6- or 12-month policy terms to match the expected vacancy period. The program supports automatic renewal to reduce mid-term gaps if vacancy extends. Who underwrites the program and what carrier is used?Agents Insurance Markets, Inc. places this program through American Modern Home Insurance Group, an AM Best A+ carrier. AIM acts as the managing general agency and handles quoting and placement. Need help placing an account? Connect with a market specialist.

PRESSURE WASHING CONTRACTORS LIABILITY INSURANCE For NC and VA CLEANING OR WASHING BY PRESSURE APPARATUS MORE THAN 30 YEARS INSURING CONTRACTORS We are your go-to market for contractors BIG or SMALL! Agents Insurance Markets, Inc. (MGA) places pressure-washing risks with multiple carrier partners and offers a targeted General Liability program for exterior cleaning contractors in North Carolina, Virginia and the District of Columbia. The program is designed for routine pressure-washing operations and supplemental equipment protection, with underwriting focused on practical controls for PSI, cleaning agents, and jobsite safety. Overview of the Program This Managing General Agency program provides broad primary General Liability options and excess capacity where needed. Coverage targets exterior cleaning operations — residential and commercial — and can include property floaters for tools and equipment. Policies are written on an occurrence basis and the program supports common certificate needs such as Additional Insured endorsements and Waiver of Subrogation where appropriate. Ideal Accounts and Appetite Independent pressure washing contractors, single operators up to small fleets Exterior cleaning of homes, driveways, sidewalks, parking lots, storefronts, roofs and other building exteriors Contractors using pressure equipment at or below the underwriting PSI limit (see requirements) Accounts that require Additional Insured, Waiver of Subrogation, primary wording or per-project aggregate limits Prohibited: Cleaning or washing of aircraft Interior tank cleaning Snow and ice removal from streets, highways or parking lots Coverage Highlights and Advantages General Liability limits up to $5,000,000 (primary) Excess Liability available through carrier partners Damage to Premises Rented to You coverage up to $100,000 Medical Payments up to $5,000 Occurrence-form policies for long-tail liability protection Property floaters available to cover contractor equipment, trailers and tools Property enhancement options where applicable Per-project aggregate limits and Additional Insured endorsements available Responsive underwriting and quick quote turnaround for routine risks Underwriting Notes and Requirements Maximum PSI: Equipment must not exceed 3,500 PSI for this classification Cleaning solutions must be non-toxic, non-caustic and biodegradable (where possible) Jobsite controls are required: barriers, signage, spotters and other public-protection measures as appropriate Sandblasting and abrasive blasting are separately rated and not included in this class Provide current loss runs, equipment inventory with PSI ratings, and details on any chemical use or subcontracted services Territories and Availability This program accepts submissions for accounts located in North Carolina, Virginia and the District of Columbia. Agents can place accounts through multiple carrier partners to match client needs for limits and endorsement requests. Why Work With Agents Insurance Markets, Inc. on This Business Specialized contractor placement — underwriting and program design focused on exterior cleaning and pressure-wash operations Access to multiple carriers and flexible limit structures for owner-operators and small fleets Practical, clear underwriting requirements that reduce surprises at binding Fast quoting and experienced service staff familiar with contractor workflows and certificate endorsements Example Accounts That Fit A two-employee residential pressure-washing business that services driveways, siding and decks using equipment under 3,500 PSI and biodegradable cleaners. Needs GL limits plus an Additional Insured endorsement for a property manager. A small commercial cleaner that services storefronts and parking lots, requires a property floater for a trailer-mounted unit and hand tools, and needs excess limits for larger contracts. If you have accounts that match this program's appetite, Agents Insurance Markets, Inc. can be an efficient market to secure competitive liability and equipment coverage. Contact our underwriting team to discuss submissions, required documentation, and turnaround times. Product & Service Highlights: GL Limits up to $5,000,000 Excess Liability available Damage to Premises Rented to You up to $100,000 Medical Payments up to $5,000 Occurrence-form policies Property floaters and enhancement forms Quick quotes and superior customer service Underwriting Requirements Recap Equipment PSI cannot exceed 3,500 PSI Use non-toxic, non-caustic cleaning solutions (biodegradable preferred) Maintain jobsite public-protection measures (barriers, signage, etc.) Sandblasting and interior tank cleaning are ineligible for this class Frequently Asked Questions What types of pressure washing accounts are a good fit for this program?Routine exterior cleaning for residential and commercial properties—driveways, sidewalks, building exteriors, roofs and parking lots—performed with equipment up to 3,500 PSI and using non-toxic cleaning agents. What documentation does underwriting typically require?A completed application, operations description, equipment inventory including PSI ratings, current loss runs (if available), and details on cleaning solutions and jobsite safety procedures. Can I add Additional Insureds and Waiver of Subrogation for my insureds’ clients?Yes. The program offers Additional Insured endorsements and Waiver of Subrogation / Primary Wording options where appropriate and requested in the submission. Are sandblasting or interior tank cleaning operations eligible?No. Sandblasting/abrasive blasting and interior tank cleaning are excluded and must be placed through specifically rated markets. Which states is the program available in?This program accepts submissions for accounts located in North Carolina, Virginia and the District of Columbia. Contact underwriting for any territory-specific questions. Need help placing an account? Connect with a market specialist.

Policy Highlights for Lawyers Insurance: Colonial General Insurance Agency, Inc. offers a Lawyers Insurance program designed for agents and brokers who place professional liability for law firms across the Southwest. Colonial General works with a panel of admitted and non-admitted markets to provide flexible coverage options for new and established firms, solo practitioners, part-time or moonlighting attorneys, and newly admitted lawyers. Our underwriting relationships and loss-prevention resources help you secure market capacity for a broad range of practice sizes and common areas of law. Overview of the Program From Colonial General This Lawyers Insurance program provides access to leading professional liability carriers that understand legal practice exposures. Coverage forms and limits vary by carrier, with common features offered across the panel including disciplinary proceedings coverage, loss-only deductibles, first-dollar defense options, and claim expense outside the limits. Colonial General acts as a Managing General Agency and Excess & Surplus Lines broker, placing accounts in admitted and surplus markets as appropriate. Ideal Accounts and Appetite Solo attorneys and small to mid-sized law firms. Newly formed firms and recently admitted attorneys. Part-time, moonlighting, or of-counsel attorneys needing tailored coverage. General civil practice areas and many specialty practices—subject to underwriting review. Accounts with routine civil litigation, transactional work, family law, real estate, estate planning, and general corporate services often fit well. Firms with extensive regulatory, securities, or large mass-tort exposures may require specific carrier appetite checks. Coverage Highlights and Advantages Limits available up to multi-million dollar levels depending on carrier (panel includes options commonly up to $5M; select markets may offer higher capacity). Disciplinary proceedings coverage to help manage regulatory exposures. Loss-only deductible structures and First Dollar Defense options. Claims Expense Outside the limits available on many programs. Loss prevention programs and resources to help reduce claim frequency and severity. Underwriting Notes and Submission Tips Underwriters evaluate practice area mix, attorney headcount, revenue, claims and disciplinary history, and risk management practices. To accelerate review, include: Current application and firm roster with dates admitted to the bar; Five-year loss run or claims history; Description of high-exposure matters (if any) and any risk management practices; Details on moonlighting/part-time arrangements where applicable. Limits, deductibles, and specific coverage endorsements depend on carrier availability. Colonial General can quote admitted or non-admitted options where available; confirm state placement requirements when writing surplus lines. Territories and Availability Program availability includes: AZ, CA, CO, ID, NV, NM, UT, WY. Some admitted markets are available depending on state and carrier; when admitted capacity is limited, E&S placement is used to secure broader coverage options. Why Work With Colonial General on Lawyers Insurance Deep regional experience—Colonial General insures thousands of law firms in the Southwest and has established carrier relationships that understand legal exposures. Flexible placement—ability to access both admitted and excess & surplus markets to match client needs. Loss control support—programs and resources to help reduce the likelihood and cost of claims. Responsive underwriting—specialized underwriting for new, part-time, and newly admitted attorney accounts. Example accounts that fit this program A three-attorney real estate and estate planning firm with clean loss history seeking $1M/$1M limits and disciplinary proceedings coverage. A newly formed solo practitioner recently admitted to the bar who moonlights part-time and needs a tailored policy with a lower-dollar deductible and access to loss prevention resources. Frequently Asked Questions What types of law firms are a good fit for Colonial General’s Lawyers Insurance program?Small to mid-sized firms, solo practitioners, newly formed firms, part-time attorneys, and newly admitted lawyers are core targets. Firms practicing routine civil litigation, real estate, family law, estate planning, and general transactional work typically fit well—subject to underwriting review. Are admitted policies available or is coverage only placed as surplus lines?Colonial General places business in both admitted and surplus markets where available. Some carriers on the panel write admitted paper in specific states; when admitted capacity isn’t available, excess & surplus placement is used. What coverage features and limits can I expect to offer clients?Common features include disciplinary proceedings coverage, loss-only deductible options, First Dollar Defense, and claims expense outside the limits. Limits vary by carrier and account, commonly up to $5M, with select markets offering higher capacity. What submission information helps get a faster decision?Provide a completed application, firm roster with bar admission dates, five-year loss runs, and a summary of any high-exposure matters. Clear information on part-time or moonlighting arrangements helps underwriters assess risk quickly. Which states does this program serve?The program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Availability of admitted vs. surplus markets varies by state and carrier. Need help placing an account? Connect with a market specialist.

...cations for many common classes, reducing the need for full ACORD applications...

Tract Home Builder Program from Novatae Risk Group Novatae Risk Group offers a dedicated Tract Home Builder Program for residential developers and contractors who build multiple single-family homes in planned subdivisions. The program is built to handle the complex liability and coordination exposures that come with multi-home and phased developments, and it provides flexible admitted and non-admitted placement options to fit regional and large-scale builders alike. Ideal Accounts and Appetite This program targets residential tract development projects. Typical accounts we place include: Homebuilders developing multiple single-family units in planned subdivisions General contractors overseeing large residential projects or multiple builders on a single site Developers coordinating phased or long-term tract developments You might have a client building a 50-home subdivision in Texas or a contractor managing a multi-phase project in California — Novatae’s program is structured to accommodate those exposures and timelines. Coverage Highlights and Advantages Traditional Policies (Occurrence Form): $2,500 minimum premium Access to 23 A.M. Best A-VI+ rated carriers Available through both admitted and non-admitted markets Includes CG20101185-equivalent endorsements Offered in most states Per Project Policy: Policy terms extendable from 18 to 36 months or longer Supported by A+ rated carriers Available in most states Wrap Up - CCIPs (Contractor-Controlled Insurance Programs): Backed by over 17 A-VIII or better rated carriers Designed specifically for residential tract developments Limits: $1M/$2M/$2M Deductible: $5,000 Self-Insured Retention (SIR) or higher Minimum Premium: Competitive pricing available Available in all states Wrap-up policies consolidate coverage for all contractors and subcontractors on a project to reduce coverage gaps and disputes. This integrated approach can improve job site safety, simplify loss control and streamline claims handling. Learn more about Wrap Up Coverage. Underwriting Notes and Minimum Premiums Submissions should include detailed project information, construction schedules, and contractor qualifications to secure the most accurate quotations. Traditional occurrence policies start at a $2,500 minimum premium; competitive minimums are available for wrap-up/CCIP structures. Policies can be tailored to match project timelines, phased construction schedules, and the overall risk profile. Territories and Availability Novatae’s Tract Home Builder Program is available in the following states: AL, AK, AZ, AR, CA, CO, CT, FL, GA, IL, KY, LA, MS, MO, NV, NJ, NM, NY, NC, PA, SC, TN, TX, UT, VA, and WV. Both admitted and non-admitted placements are available depending on the state and individual risk characteristics. Why Work With Novatae Risk Group? As a Managing General Underwriter and Excess & Surplus Lines Broker, Novatae Risk Group combines deep underwriting expertise with broad carrier access to place complex residential construction risks. We focus on practical, marketable solutions for tract developers and contractors — including occurrence forms, per-project policies, and wrap-up programs backed by highly rated carriers. Our team works with agents to structure coverage that aligns with project schedules and reduces exposure to gaps between contractors and subcontractors. Do you need a Tract Home Builder Quote? Send an email to [email protected] with your coverage needs or call 800-758-8113 to speak with an underwriter immediately. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for contractors and developers involved in residential tract home construction, especially those managing multi-home or phased subdivision projects. Can coverage be customized for different project sizes and durations?Yes. Policies can be tailored per project with terms typically ranging from 18 to 36 months or longer, depending on project scope and client needs. Is this program available on an admitted basis?Yes. Both admitted and non-admitted options are available depending on the state and the risk profile. Are wrap-up policies available nationwide?Yes. Wrap-up CCIP options are available in all states and are backed by highly rated carriers. What is the minimum premium requirement?Minimum premiums start at $2,500 for standard occurrence policies; competitive pricing is available for wrap-up and CCIP placements. Need help placing an account? Connect with a market specialist.

... required No premium audits, reducing administrative burden for clients an...

Expertise. Solution. Service. Comprehensive Cannabis D&O and EPLI Coverage From MAXIMUM MAXIMUM provides a specialized Cannabis Directors & Officers (D&O) and Employment Practices Liability (EPLI) program designed for the distinct regulatory, reputational, and operational risks faced by licensed cannabis businesses. As a wholesale broker with deep experience in emerging and complex industries, MAXIMUM provides agents access to primary and excess capacity—up to $10 million in limits—so you can protect executive teams and employment exposures with flexible solutions. Ideal Accounts and Appetite The program targets licensed cannabis operations across the value chain. Typical classes we write include: • Cultivators and growers • Dispensaries and retail cannabis stores • Product manufacturers and processors We place both early-stage, investor-backed startups and established multi-state operators. MAXIMUM is well-suited for vertically integrated operators, retail chains, management teams with outside investors, and any licensed entity that needs D&O and/or EPLI protection to support growth or satisfy investor due diligence. Coverage Highlights and Advantages MAXIMUM’s Cannabis D&O and EPLI solution offers flexible structures to match an account’s size and risk profile. Key benefits include: • Limits available up to $10MM on a primary or excess basis • Choice of shared or separate limits for D&O and EPLI • Available as stand-alone D&O or EPLI, or combined on one policy • Coverage tailored for board members, officers, and HR-related employment exposures The program addresses claims commonly seen in the sector, including wrongful termination, discrimination, harassment, breach of fiduciary duty, shareholder disputes, alleged mismanagement, and other employment-related allegations that can threaten leadership and investor confidence. Underwriting Notes and Submission Requirements Underwriting focuses on governance, financial stability, ownership structure, and any prior employment or management litigation. Required submission items include: • Completed cannabis-specific application • Full business plan and operational overview • Organizational chart (include parent companies and subsidiaries) • List of board members and executive team • Capitalization table and ownership structure • Current and pro-forma financials, private placement details, and funding sources Retentions begin at $25,000 and may increase depending on account size, revenue, prior losses, and claim history. Be prepared to provide details on investor relationships and any prior regulatory actions or employment claims. Territories and Availability This program is available in most states where cannabis is legalized or regulated. We currently write business in the following 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 Most placements are written through non-admitted carriers, giving underwriting flexibility to craft terms that fit the account’s specific exposures. Why Work With MAXIMUM? MAXIMUM combines market access with cannabis-specific underwriting knowledge. Our team helps agents structure placements that address investor requirements and regulatory scrutiny while delivering practical, tailored wording. We prioritize responsive service, collaborative underwriting, and solutions that evolve with a client’s operational footprint. Example account scenarios you might place with this program: • A vertically integrated operator seeking combined D&O and EPLI coverage to satisfy investor due diligence during a funding round. • A single-state dispensary with a growing staff and recent employment allegations that needs a stand-alone EPLI policy or a combined solution to protect management and reduce investor concerns. 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 this program?We target licensed cannabis businesses including cultivators, dispensaries, manufacturers, and retailers. Both startups and established operators are eligible. Can I submit an account with both D&O and EPLI exposures?Yes, we offer stand-alone or combined D&O and EPLI policies with shared or separate limits, depending on your client’s risk profile and needs. What documents are required for underwriting?We require a cannabis application, business plan, organizational chart, executive team list, financials, ownership structure, and funding details. What is the minimum retention?Retentions start at $25,000 but may vary based on the size and complexity of the account. Is this program available in all states?No, but we write in most states where cannabis is legal. Please check our list of eligible states or contact us for specific state availability. Need help placing an account? Connect with a market specialist.

Expertise. Solution. Service. Comprehensive Personal Liability Coverage Through MAXIMUM MAXIMUM offers a robust Comprehensive Personal Liability program designed to help agents place personal liability protection for a wide range of individual and entity exposures. As a wholesale broker with deep underwriting experience and nationwide market access, MAXIMUM provides flexible admitted solutions for owner-occupied and rental residential properties, vacant land, and high-net-worth individuals. Agents and brokers benefit from responsive service, focused underwriting, and carrier relationships across most admitted states. Ideal Accounts and Appetite This program fits many personal liability risks, including: Owners of 1–4 family dwellings, condo units, and mobile homes — owner-occupied or rented Tenants of multi-unit dwellings or mobile homes Secondary and seasonal residences, including short-term rental properties Dwellings under construction or renovation (when the applicant is not the general contractor) Vacant dwellings listed for sale or undergoing renovation Vacant land up to 250 acres Properties with swimming pools (subject to underwriting criteria) Entities such as trusts, LLCs, family partnerships, and estates held for personal investment The program accepts accounts with up to 15 locations and will consider risks with one liability loss under $10,000 in the prior three years. It is also positioned to support high-profile and high-net-worth individuals requiring tailored liability protection. Coverage Highlights and Advantages MAXIMUM’s Comprehensive Personal Liability program is structured to offer broad protection and practical features that help reduce placement friction for agents: Liability limits available up to $1 million Personal injury coverage included up to the full liability limit $5,000 medical payments included on all risks Defense costs paid outside the liability limit Dog liability included for most breeds (breed-specific restrictions may apply) Host liquor liability included where appropriate Third-party water damage coverage Pre- and post-judgment interest covered Unlimited additional insureds at no extra charge No policy deductibles Insureds also gain access to Business Solution Vendors offering HR services, identity-theft protection, tenant screening, and motor vehicle reports — practical risk-management additions that agents can offer their clients. Ineligibility and Underwriting Considerations To keep suitable risk profiles, the program excludes certain exposures, including: Farms and agricultural operations Applicants with felony convictions Houseboats and properties leased primarily for recreational use (e.g., hunting/fishing) Model homes, student housing, and subsidized housing Assisted living or group-home facilities (limited exceptions for single-occupancy apartments) Vacant land with docks Corporations engaged in non-residential investment activities Risks located in Alaska, Louisiana, or West Virginia Availability and specific terms vary by carrier and jurisdiction. Provide complete loss history and property details to speed underwriting and placement. Territories and Availability The program is offered on an admitted basis in most available states, including large markets such as CA, FL, TX, NY, IL, and GA. It is not available in AK, LA, or WV. MAXIMUM works with appointed agents in admitted markets and can discuss state-by-state placement options during submission. Why Work With MAXIMUM? MAXIMUM combines wholesale market access, technical underwriting, and high-touch broker service to help agents place challenging personal liability risks. We focus on practical solutions, quick responsiveness, and leveraging admitted markets to give clients regulatory advantages where possible. Whether you have a client with multiple seasonal rentals, a high-net-worth individual, or an entity holding residential investments, MAXIMUM can evaluate the account and propose tailored admitted options. We settle for nothing less than the best choices for our clients, and we put no limit on what we can do for your client's Comprehensive Personal Liability Insurance needs. 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 accounts are a good fit for MAXIMUM’s Comprehensive Personal Liability program?This program is ideal for owners or tenants of residential properties (1–4 family dwellings, condos, mobile homes), vacant land, short-term rentals, and high-net-worth individuals. Trusts and LLCs used for personal investments are also eligible. Does the program cover properties with swimming pools or dogs?Yes. Most dog breeds are eligible and swimming pools can be insured, though certain high-risk pool features (unfenced pools, diving boards over 4 feet, waterslides) may be excluded or subject to additional underwriting. Can this program cover multiple properties under one policy?Yes. The program accepts up to 15 residential locations under a single account, making it suitable for clients with several investment or seasonal properties. Is this coverage available on an admitted basis?Yes. MAXIMUM offers admitted placements in most available states, which provides standard regulatory protections and often smoother handling for clients. What types of risks are not eligible for this program?Ineligible risks include farms, properties leased for recreational use, student housing, houseboats, assisted living facilities (except limited single-occupancy situations), and risks located in AK, LA, or WV. Need help placing an account? Connect with a market specialist.

Day Care and Preschool Insurance Solutions Through A.I.I. Insurance Brokerage of MA A.I.I. Insurance Brokerage of MA provides a specialized Excess & Surplus (E&S) insurance program for day care centers and preschools across New England. As an experienced E&S broker, we place accounts that may not fit standard markets by leveraging relationships with multiple non-admitted carriers. This program addresses the key exposures faced by early childhood education facilities, including both for-profit and nonprofit operations. Ideal Accounts and Appetite The program is designed for licensed day care centers, nursery schools, Montessori schools, and preschools serving infants through pre-K. We can consider small in-home day cares up to mid-sized commercial facilities. Preferred accounts have documented safety procedures, staff background checks, staff-to-child ratios that meet licensing standards, and structured curricula. We will also consider nonprofit and faith-based programs. Facilities offering limited transportation or after-school programs may qualify but will be evaluated for additional exposures. Coverage Highlights and Advantages This E&S program offers flexible coverage forms to protect child care operators from common and specialized risks. Key coverages include: Abuse & Molestation: Important protection for allegations of misconduct involving staff or volunteers. Commercial General Liability (CGL): Liability for bodily injury, property damage, and personal/advertising injury. Equipment Breakdown: Coverage for mechanical and electrical failure of essential systems such as HVAC and kitchen appliances. Miscellaneous Professional Liability: Defense and indemnity for claims arising from professional services provided by staff. Real & Business Personal Property: Coverage for buildings (when applicable), contents, furnishings, play equipment, and educational materials. Policies are typically placed on a non-admitted basis through various E&S markets, giving underwriters flexibility on terms and endorsements. Underwriting Notes and Minimum Premiums Minimum premiums vary by operation size, enrollment, services offered, and location. Typical submissions should include a completed application, current loss runs, and a detailed description of operations (hours, number of children by age group, staff credentials and screening procedures, transportation details, and safety protocols). Facilities with frequent or large losses, licensing violations, or insufficient safety controls may be difficult to place. Early disclosure of exposures such as transportation, overnight care, or unsupervised field trips helps avoid delays. Territories and Availability This program is available to licensed agents in Connecticut, Massachusetts, New Hampshire, and Rhode Island. If you place daycare or preschool business in these states, A.I.I. Insurance Brokerage of MA can assist with E&S placement options. Why Work With A.I.I. Insurance Brokerage of MA? With deep knowledge of New England child care exposures and access to multiple non-admitted carriers, A.I.I. Insurance Brokerage of MA helps brokers place challenging or specialized accounts. Our team focuses on practical underwriting and tailoring coverage to each facility’s operations. Example scenarios that often fit our program: you may have a client who expanded their preschool to a second location or one who added limited transportation and after-school enrichment programs — both introduce new liabilities and may be better suited to E&S markets. We work with agents to package submissions that highlight risk controls and reduce friction in placement. Need help placing an account? Connect with a market specialist. Frequently Asked Questions What types of accounts are a good fit for this program?Licensed day care centers, preschools, nursery schools, and Montessori-style programs with documented safety procedures and staff screening are ideal candidates. Is the program available for home-based day care providers?Yes. Smaller in-home day care operations may be eligible depending on enrollment, services offered, and the provider’s controls and licensing status. Which states is this program available in?The program is available to licensed agents in Connecticut, Massachusetts, New Hampshire, and Rhode Island. What documents are needed to submit a quote?Provide a completed application, current loss runs, and operational details such as enrollment by age, staff screening procedures, hours of operation, and any transportation or after-school activities. Are nonprofit or faith-based child care centers eligible?Yes. Nonprofit and faith-based facilities are generally considered if they meet licensing and safety requirements and provide the requested submission materials. Need help placing an account? Connect with a market specialist.

AIG Accident & Health's CosmediCareSM Program Brown & Riding provides access to AIG Accident & Health’s CosmediCareSM Program — a targeted insurance solution for complications that can arise from elective cosmetic surgeries and medical spa procedures. The program is designed for agents and brokers who need a supplemental option to protect clients from unexpected post-operative medical costs that standard health insurance may not cover. Ideal Accounts and Coverage Appetite This program is intended for individuals undergoing elective cosmetic or aesthetic medical procedures and for producers who want to reduce their clients’ financial exposure after surgery. Typical clients include: Patients scheduling body contouring or facial rejuvenation procedures Medical spa clients receiving injectables or laser treatments Individuals undergoing breast augmentation or body lift surgeries The CosmediCareSM Program is organized into three tiers based on procedure type and relative risk: Tier 1 – Low to Moderate Risk Procedures: Autologous Fat Injection Arm Contouring/Upper Arm Lift Botox/Cosmetic Injectables Brow Lift Chin Augmentation/Reduction Cosmetic Eyelid Surgery Face Lift/Rejuvenation Facial Implants Facial Resurfacing (Dermabrasion/Chemical Peel) Hair Replacement Surgery Labiaplasty Laser Hair/Vein Removal Otoplasty Rhinoplasty Vaginoplasty Tier 2 – Moderate Risk Procedures: Breast Augmentation/Revision Breast Lift Breast Reduction Male Breast Implants and Gynecomastia Tier 3 – Higher Risk Procedures: Abdominoplasty Body Implants Body Lift Buttock Lift/Gluteal Augmentation Liposuction (including laser-assisted) Lower Body Lift Thigh Lift Thoracoplasty/Upper Body Lift Coverage Advantages The CosmediCareSM Program helps cover medically necessary expenses that result from complications such as infection, bleeding, scarring, or other adverse outcomes tied to elective procedures. This is a supplemental product — not a replacement for primary health coverage — that helps reduce out-of-pocket exposure for clients seeking aesthetic care. Underwriting and Premiums Policies are underwritten by AIG, offering the financial strength and claims experience of a national carrier. Minimum premiums and final pricing vary by procedure tier, client risk profile, and state regulations. Brown & Riding supports submission preparation and placement to help speed underwriting and increase placement success. Territories and Availability The program is available in most U.S. states, including AL, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, MI, MS, MO, MT, NV, NJ, ND, OK, OR, PA, SC, SD, TN, TX, UT, VA, WA, DC, WV, WI, and WY. Coverage is offered on an admitted basis where applicable; availability can vary by state. Why Place This Business With Brown & Riding Brown & Riding is a specialist wholesale partner and E&S broker with deep experience in accident & health products. We provide direct access to AIG’s CosmediCareSM Program plus underwriting guidance and responsive service for faster decisions. Use our team when you need reliable underwriting support for cosmetic and medical spa exposures. Example accounts that fit this program You might have a 35–50 year old client scheduling a facelift and injectable treatments who wants supplemental coverage against surgical complications that could result in additional medical bills or revision surgery. You may place a medical spa client receiving multiple laser procedures and injectables who prefers to limit out-of-pocket risk if an adverse event requires follow-up care. For more information, contact Brown & Riding: Jeffrey Jarboe Principal, Senior Vice President, Broker Telephone: 678.225.1381 Cellphone: 404.422.2483 E-Mail: [email protected] Web: http://www.brownandriding.com/health-cosmedicare/ Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for clients undergoing elective cosmetic or medical spa procedures who want protection against post-operative complications and related out-of-pocket costs. What procedures are covered under the CosmediCareSM Program?The program covers a broad range of cosmetic procedures, including Botox, facelifts, breast augmentations, liposuction, and more. Procedures are grouped into three tiers by risk and complexity. Is this coverage available nationwide?This program is available in a majority of U.S. states, including CA, FL, TX, NY, and many others. Contact Brown & Riding for confirmation of eligibility in a specific state. Who underwrites the CosmediCareSM Program?Coverage is underwritten by AIG, a global insurance carrier with extensive experience in accident and health insurance. How can I submit a risk to this program?Contact Jeffrey Jarboe at Brown & Riding to discuss submission requirements and get assistance with placing your client's coverage. Need help placing an account? Connect with a market specialist.