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AFC Insurance Inc. offers a specialized Health & Human Services Program tailored to the unique exposures faced by organizations providing Drug Rehabilitation Insurance Services. This comprehensive program is designed for professional treatment centers and facilities that deliver medical and behavioral care, including nutritional counseling and outpatient services. With broad eligibility and flexible coverage options, AFC’s program supports agents and brokers in placing challenging rehab-related accounts with confidence. Ideal Accounts and Appetite AFC’s program is well-suited for a wide range of drug and alcohol treatment services, including: Drug and Alcohol Rehabilitation Centers Outpatient Alcohol & Drug Counseling Inpatient Halfway Houses Methadone Clinics (as part of broader services) Early Release Programs for Alcohol & Drug Offenders Outpatient Detox Facilities Clinics (when part of an overall treatment program) If you have clients offering integrated drug rehab services — for example, a facility that combines counseling, detox, and housing support — this program may be a great fit. Coverage Highlights and Advantages The Health & Human Services Program includes a robust package of coverages designed for the rehab sector: General and Professional Liability Package Policies Umbrella and Property Coverage Auto (restrictions may apply) Abuse & Molestation Coverage Coverage Endorsements for Volunteers and Independent Contractors Optional Key Employee Replacement Endorsement Extended Coverage Endorsement with Blanket Additional Insured These coverages help protect against the complex risks associated with providing healthcare, counseling, and rehabilitation services. Underwriting Notes and Minimum Premiums Risk eligibility is tailored, and premiums vary based on services offered and exposure levels. Note that certain operations are not eligible under this program, including: Adoption Agencies (if more than 25% of operations) Assisted Living for Seniors Birthing Centers Big Brothers/Big Sisters Programs with overnight activities Correctional Facilities Foster Care Agencies Psychiatric Hospitals Public Housing and Housing Authorities Sex Offender Programs Violent Youth Lockdowns Standalone Special Events/Fundraisers AFC works closely with agents to determine fit and structure coverage effectively for qualifying accounts. Territories and Availability This program is available in most states, including but not limited to: CA, FL, TX, NY, IL, PA, and GA. AFC can write business in all 50 states plus DC, depending on carrier availability and regulatory status. Most placements are available on an admitted basis. Why Work With AFC Insurance Inc. As a seasoned Program Administrator, AFC Insurance Inc. brings deep experience in the Health & Human Services sector. Their focused underwriting, flexible coverage structures, and access to multiple carriers make them a reliable partner for agents placing drug rehabilitation and behavioral health risks. If you're looking for a responsive team with the tools to handle complex rehab accounts, AFC is ready to assist. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include drug and alcohol rehab centers, outpatient detox clinics, halfway houses, and integrated treatment facilities offering counseling and support services. Are standalone clinics eligible for coverage?Clinics are eligible only when they are part of a broader rehab program. Standalone clinic operations are not eligible under this program. Is abuse and molestation coverage included?Yes, abuse and molestation coverage is available as part of the program, subject to underwriting guidelines. Can I place business in multiple states?Yes, AFC’s program is available in most states nationwide, allowing agents to write multi-state rehab operations where eligible. What is the minimum premium for this program?Minimum premiums vary depending on the type and size of the operation. Contact AFC for more details specific to your client’s needs. Need help placing an account? Connect with a market specialist.

The Social Service industry is one of the fastest-growing sectors in the U.S., employing more than 1.6 million people across roughly 94,000 establishments. With projected growth of about 40% over the next decade, agents need reliable, specialized workers' compensation options that match the sector’s unique exposures. PMC Insurance Group offers a dedicated Social Service Workers' Compensation Program tailored for social service providers. As a wholesale broker with access to admitted, A-rated carriers, PMC helps retail agents place challenging or underserved workers' compensation risks with greater confidence. Ideal Accounts and Appetite This program is built for a broad range of social service organizations, including (but not limited to): Sheltered workshops Drug & alcohol rehabilitation and counseling centers Children & family services agencies Individual and group counseling services Vocational rehabilitation providers Day care centers Crisis intervention centers Class codes commonly written: 8832, 8836, 8837, 8861, 8864, 8868, 8869, 9059, 9101, 9110. Important: Residential facilities are excluded from this workers' compensation program. Coverage Highlights and Advantages PMC’s program gives agents access to market features suited to social service employers who need predictable, admitted coverage: Guaranteed-cost programs for budgeting and rate stability Admitted, A-rated carriers to satisfy regulatory and client expectations Underwriting flexibility for accounts with strong safety programs and favorable loss experience These features make the program a practical solution when clients are having trouble finding competitive admitted workers' compensation terms in standard markets. Underwriting Notes and Minimum Premiums To submit an account for consideration, include the following documents: Completed workers' compensation application 3–5 years of currently valued loss runs MOD (experience modification) sheet Completed supplemental application The program has a minimum premium that starts at $7,500. Accounts with documented safety protocols, loss-control initiatives, and clean loss histories will receive the most favorable underwriting consideration. Territories and Availability This program is available in the following territories: AL, AK, AZ, CA, CT, DE, HI, ID, IL, IN, IA, KS, KY, ME, MD, MI, MS, MO, MT, NV, NH, NJ, NM, NY, NC, ND, OH, OK, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WY. Contact PMC Insurance Group for any state-specific eligibility questions or to confirm availability in a particular jurisdiction. Why Work With PMC Insurance Group? PMC is a wholesale broker focused on workers' compensation programs for niche industries. Working with PMC provides retail agents access to admitted carriers and program underwriting that may not be available through direct channels. Key strengths include: Deep experience placing social service and human services classes Relationships with A-rated, admitted carriers that prioritize these niches Responsive underwriting and placement support for complex or underserved risks Whether you represent a small nonprofit counseling center or a regional vocational rehabilitation provider, PMC can help you secure admitted workers' compensation coverage that fits the client's operations. Example Account Scenarios You have a nonprofit counseling agency with multiple off-site counselors and a clean five-year loss history — PMC can help place this account on an admitted, guaranteed-cost program with competitive terms. An urban day care center seeks admitted coverage but has had difficulty in standard markets — this program can consider the account when loss runs and safety protocols are provided. Frequently Asked Questions What types of accounts are a good fit for this program?Counseling centers, day cares, drug and alcohol rehab facilities, vocational rehab services, sheltered workshops, and similar social service agencies are good candidates—especially those with favorable loss histories and safety programs. Are residential facilities eligible for this program?No. Residential facilities are excluded from this workers' compensation program. What submission documents are required?Submit a completed WC application, 3–5 years of currently valued loss runs, a MOD sheet, and the program supplemental application for underwriting review. What is the minimum premium for this program?The minimum premium starts at $7,500, though final pricing depends on state, class codes, payroll, and loss history. Is this program available nationwide?The program is available in the states listed above. Contact PMC Insurance Group to confirm availability or to discuss an account in a specific jurisdiction. Need help placing an account? Connect with a market specialist.

Working on trucks and cars takes both skills and talent! Auto service garages and repair shops include auto parts stores, general automobile repair workshops, specialty repair shops and online/mobile repair operations. While each shop specializes in different services, they all share a common need: reliable Auto Workers Compensation coverage. As a wholesale partner, Keating offers the Auto Workers Compensation program to help you place coverage for shops with staff who handle heavy parts, lifts, tools and vehicles. A strong policy should cover medical care, rehabilitation and wage replacement while an injured employee recovers — and our markets can provide those core protections. Your client will need to make sure that their policy will be able to cover medical care costs, rehabilitation and can replace the lost wages until their employee returns. Keating can write Auto Workers Compensation for service and repair shops through several admitted carriers and markets. We can place accounts with exposures related to private passenger and commercial vehicles. Typical services we handle include collision repair, heavy truck service, mechanical work, painting, tire sales and service, and parts sales. Towing that is incidental to the business (generally under 25% of operations) can usually be considered. Program Features: • Auto Repair Shops • Oil & Lube Shops • Muffler Shops • Tire Shops Keating’s underwriting focuses on practical, industry-aware evaluations. We work with carriers that understand the unique hazards in automotive shops — from slips and strains to more serious shop accidents — and structure Workers Compensation limits and benefits to address those exposures. Our team helps you assemble the submission so underwriters can evaluate the account quickly and accurately. Ideal Accounts and Appetite Independent auto repair and collision shops with staffed mechanics Oil & lube, muffler and tire shops with standard service operations Shops performing mechanical, painting, welding or heavy truck service Operations with incidental towing under 25% of total business Coverage Highlights and Advantages Access to multiple admitted carriers familiar with shop exposures Policies that cover medical, rehabilitation and wage replacement needs Underwriters experienced with auto-related classifications and payroll spreads Ability to place both small garage risks and larger shops with commercial vehicle exposure Underwriting Notes and Minimum Premiums Typical submission requirements include operations description, payroll by class code, loss runs, and details on any towing or mobile services. Minimum premium for placement is generally $2,000. Accounts with frequent large losses, significant non-automotive operations, or towing that exceeds incidental levels may be outside appetite. Territories and Availability Available in: AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, DC. Keating places this program through multiple admitted carriers across these states. Why Work With Keating on Auto Workers Compensation Keating combines industry-focused underwriting with market access to admitted carriers that understand auto repair exposures. We move quickly on clear submissions, and our team can advise on classification splits, payroll reporting and common loss control recommendations that improve placement outcomes. Example scenarios You have a four-bay independent collision shop with six employees doing mechanical work, painting and limited towing under 20% — this is typically a strong fit for the program. You represent a multi-location tire and oil change operator with standardized procedures and modest payroll — Keating can help package the accounts for admitted carriers. Contact Keating for details on submission requirements, appetite nuances, and carrier options so you can place the right Auto Workers Compensation coverage for your clients. Frequently Asked Questions What types of auto shop accounts are a good fit for Keating’s Auto Workers Compensation program?Independent auto repair shops, collision centers, oil & lube shops, muffler and tire shops — especially those performing mechanical work, painting or heavy truck service with standard shop operations and payroll documentation. Is incidental towing acceptable?Yes. Towing that is incidental to the overall operation (generally under 25% of business activity) is typically considered. Higher towing exposure may require a different placement approach. What are the basic submission items underwriters will want?Underwriters generally ask for a detailed operations description, payroll by class code, current loss runs, and any safety or loss-control information about shop practices and equipment. What is the minimum premium and how are territories handled?Minimum premium is typically $2,000. The program is available through admitted carriers in the states listed above; availability can vary by carrier and state, so check with Keating on specific placements. Need help placing an account? Connect with a market specialist.

Policy Highlights for Detox Facility Insurance: Colonial General Insurance Agency, Inc. offers a specialized Detox Facility Insurance program designed to meet the unique risks and regulatory challenges faced by substance abuse treatment providers. Whether your client operates a freestanding detox center, a hospital-affiliated unit, or a specialized addiction treatment facility, Colonial General can help you secure the right coverage tailored to their operations. Ideal Accounts and Appetite This program is built for facilities that provide detoxification and rehabilitation services for individuals struggling with substance abuse. Target accounts may include: Freestanding detox centers Hospital-based or affiliated detox units Specialty hospitals focused solely on substance abuse treatment Rehabilitation facilities offering inpatient or outpatient services Clinics affiliated with mental health centers or HMOs Accounts that demonstrate a commitment to licensed care, proper staffing ratios, and compliant operational standards are typically preferred. Coverage Highlights and Advantages Colonial General’s Detox Facility Insurance offers flexible coverage options to help protect your clients from a range of exposures, including: General Liability and Professional Liability Property and Equipment Coverage Sexual Abuse and Molestation Liability Employee Practices Liability (EPLI) Medical Malpractice (where applicable) Coverage solutions are designed to address the complex needs of detox and rehab service providers, including the risks associated with medical treatment, counseling, and patient management. Underwriting Notes and Minimum Premiums Colonial General works with a variety of carriers to offer competitive pricing and underwriting flexibility. While minimum premium requirements may vary by market and account size, this program is structured to accommodate both small and mid-sized facilities. Underwriting will consider factors such as services offered, facility type, licensing, claims history, staff qualifications, and more. Territories and Availability This program is currently available in the following states: Arizona (AZ) California (CA) Colorado (CO) Idaho (ID) Nevada (NV) New Mexico (NM) Utah (UT) Wyoming (WY) Both admitted and non-admitted markets are available in select territories, depending on the account and risk profile. Why Work With Colonial General? As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings decades of experience in placing hard-to-insure risks. Their focus on niche healthcare and social services programs means you get access to knowledgeable underwriters and a broad range of market options. Whether your client is opening a new detox facility or expanding an existing one, Colonial General can help you find the right coverage solution quickly and efficiently. Visit the Colonial General Insurance Agency, Inc. profile to learn more about their full range of programs and capabilities. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for freestanding detox centers, hospital-affiliated units, and specialty facilities focused on substance abuse treatment. Which states is this program available in?The Detox Facility Insurance program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Are both admitted and non-admitted carriers used?Yes, Colonial General has access to both admitted and non-admitted markets, depending on the state and risk profile. What coverages are typically included?Common coverages include General Liability, Professional Liability, Property, Sexual Abuse Liability, and EPLI, among others. Does the program accommodate new ventures?Yes, new ventures may be considered depending on the business plan, licensing, and staff background. Need help placing an account? Connect with a market specialist.

Smith Bell & Thompson, Inc. offers a focused Medical Facilities insurance program tailored to the liability needs of non-hospital healthcare operations. This program gives agents and brokers access to integrated professional and general liability solutions—designed for outpatient, diagnostic, rehabilitative, and other specialty medical facilities that fall outside the traditional hospital model. Ideal Accounts and Appetite Cardiac rehabilitation centers College and university health centers Community health clinics and local health departments Hospices (more than 9 beds) Medical laboratories and diagnostic imaging centers (X-ray, MRI, CT, etc.) Physical and trauma rehabilitation facilities Sleep study clinics and outpatient surgical centers If your client operates a specialty healthcare facility where primary exposure is clinical care rather than inpatient hospital services, this program is a strong option. Examples of good fits include a sleep study center expanding into multiple states or a multi-location physical rehabilitation network seeking consolidated professional liability protection. Coverage Highlights and Advantages Professional liability and general liability combined on a claims-made form for streamlined defense and indemnity handling Written on a non-admitted (surplus lines) basis to allow flexible wording and broader underwriting authority Workers’ compensation available on an admitted basis for qualifying accounts Underwritten capacity supported by AIG, bringing extensive experience in healthcare risks The program is structured to address common exposures for specialty providers—medical malpractice allegations, premises and operations liability, and employment-related injury exposures—while providing surplus lines flexibility to tailor limits and endorsements to unusual operational models. Underwriting Notes and Minimum Premiums Underwriters look for licensed facilities with documented risk management programs, established clinical policies, and experienced clinical staff. While minimum premium requirements vary by state and exposure, the program is intended for accounts substantial enough to justify surplus lines placement. Applicants with frequent or severe prior claims, inadequate documentation, or operations outside accepted clinical guidelines may not meet eligibility standards. Appropriate credentialing, policy documentation, and incident reporting programs materially improve placement prospects. Territories and Availability This Medical Facilities program is available in most states, including but not limited to CA, NY, TX, FL, IL, and PA. Smith Bell & Thompson places business across all 48 contiguous states as well as Alaska, Hawaii, and the District of Columbia. Contact underwriting for any state-specific filing considerations or limitations. Why Work With Smith Bell & Thompson, Inc.? Smith Bell & Thompson combines niche healthcare underwriting expertise with strong carrier relationships to place complex liability risks for specialty medical facilities. As a wholesale partner, they provide responsive underwriting, pragmatic risk evaluation, and access to AIG’s capacity—helping you secure tailored coverage for accounts that don’t fit standard hospital products. Whether you’re placing a single-site imaging lab or a regional rehab chain, Smith Bell & Thompson can help navigate terms, endorsements, and multi-state issues to achieve a clean placement. Frequently Asked Questions What types of accounts are a good fit for this program?This program works well for outpatient and specialty healthcare facilities such as rehab centers, imaging labs, sleep clinics, hospices (with more than 9 beds), and university health centers. Is the coverage admitted or non-admitted?Professional and general liability are written on a non-admitted (surplus lines) basis. Workers’ compensation is available on an admitted basis where applicable. What carriers support this program?The program is backed by AIG, a financially strong insurer with deep experience in healthcare liability underwriting. Are there any states where this program is not available?The program is available in most states, including all 48 contiguous states, Alaska, Hawaii, and the District of Columbia. Contact underwriting for specifics on state eligibility and filing requirements. Can I submit an account with prior claims?Prior claims are considered on a case-by-case basis. Accounts with strong risk management, good documentation, and credible corrective actions are more likely to receive favorable consideration. Need help placing an account? Connect with a market specialist.

Policy Highlights: Colonial General Insurance Agency, Inc. offers a specialized Halfway House Errors and Omissions Insurance program designed for health care and social service facilities. This program is ideal for agents and brokers seeking coverage solutions for halfway houses that provide voluntary outpatient services or temporary stays. With access to both admitted and non-admitted markets, Colonial General can tailor coverage to meet the unique exposures faced by these facilities. Ideal Accounts and Appetite This program targets halfway houses and transitional living facilities that operate within a structured framework and provide services such as rehabilitation, counseling, or community reentry support. Eligible operations typically offer outpatient treatment, temporary residential stays, or social services in a regulated environment. Examples of good-fit accounts include: A nonprofit halfway house providing addiction recovery and counseling services for adult men. A transitional facility assisting recently released inmates with job placement and reintegration programs. Coverage Highlights and Advantages Agents can access comprehensive coverage on a mono-line or package basis, with flexible limits and optional endorsements tailored to the needs of halfway houses. Key coverages include: Primary Limits up to $3,000,000 Occurrence/Aggregate Errors and Omissions Coverage Medical Payments Coverage – $5,000 Limit Hired and Non-Owned Auto Liability Sexual and Physical Abuse Coverage – Limits up to $25,000 per claim / $50,000 aggregate (higher limits available) Crime Coverage (optional) Property Coverage (optional) Additional Interests – $100 Each Packages can include: Professional Liability General Liability Abuse and Molestation Coverage Property Insurance Hired and Non-Owned Auto Underwriting Notes and Deductibles Minimum deductible starts at $500, with additional deductible options of $2,500 and $5,000 available based on underwriting. Premiums vary depending on facility size, class, and services offered. Both lower and higher limits may be available with carrier approval. Territories and Availability This program is available through Colonial General in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Access to some admitted markets is available depending on the risk and location. Why Work With Colonial General As a trusted Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings decades of experience in placing specialty risks. Their strong relationships with various carriers, combined with a deep understanding of healthcare and social service risks, make them a valuable partner for agents placing halfway house accounts. You’ll benefit from responsive service, underwriting expertise, and tailored coverage solutions that protect your clients and strengthen your portfolio. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for halfway houses and transitional living facilities offering outpatient services, temporary housing, or social rehabilitation programs. Are both property and liability coverages available?Yes, coverage can be written on a mono-line or package basis, with options for property, general liability, professional liability, and more. What is the minimum deductible for Errors and Omissions coverage?The minimum deductible is $500, with higher deductible options of $2,500 and $5,000 available based on underwriting. Is coverage available in admitted markets?Some admitted markets are available depending on the risk profile and location of the insured operation. In which states is this program available?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Need help placing an account? Connect with a market specialist.

Products Recall Insurance Products Recall Insurance from Alexander J. Wayne & Associates, Inc. is tailored to help agents place coverage for clients facing the complex and costly risks associated with product recalls. Whether your insured is a manufacturer, distributor, or brand owner, our program provides essential protection against both first-party and third-party recall exposures. Overview of the Program From Alexander J. Wayne & Associates, Inc. Product recalls can significantly impact a company's finances and reputation. Our Products Recall Insurance program is designed to cover critical costs incurred during a recall event. This includes customer notification, shipping and disposal of defective products, extra warehousing, staffing for recall efforts, and the expense to replace, refund, or repair the affected products. The program may also include coverage for income loss and brand rehabilitation, depending on underwriting. Alexander J. Wayne & Associates, Inc., a trusted wholesale broker, works with select U.S. carriers and Lloyd’s of London to provide customized solutions for hard-to-place risks. We specialize in helping agents access competitive recall coverage that many standard markets decline to write. Ideal Accounts and Appetite This program is suitable for insureds who sell finished goods under their own label, particularly those who rely on third-party manufacturers or distributors. These clients are often exposed to both first-party and third-party recall liabilities. We welcome submissions from a wide range of industries, including but not limited to: Food and beverage producers Consumer electronics and household appliances Industrial components and machinery Children’s products and toys Automotive parts and accessories You might have a client who imports private-label kitchen appliances sold through national retailers, or a regional food processor distributing under multiple brand names. These are excellent candidates for our program. Coverage Highlights and Advantages The policy typically offers two parts: Part I – First-Party Expenses: Includes costs such as recall notifications, shipping, disposal, warehousing, temporary staffing, income loss, and brand rehabilitation. Part II – Third-Party Liability: Covers damages or losses suffered by downstream customers or third parties as a result of the defective product. Coverage can be selected for Part I only, Part II only, or both, depending on the client’s operational needs. Please note, the policy does not respond to governmental sanctions or regulatory fines. Underwriting Notes and Minimum Premiums Our underwriting team evaluates each risk based on the type of product, distribution chain, recall history, and risk management practices. While minimum premiums vary by risk class and carrier, we focus on delivering solutions for tough-to-place accounts that fall outside of standard underwriting guidelines. Territories and Availability This program is available in most U.S. states, including 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, and WY. Admitted coverage is available in select states; otherwise, coverage is written on a non-admitted basis through domestic and London markets. Why Work With Alexander J. Wayne & Associates, Inc.? With decades of experience serving the wholesale insurance market, Alexander J. Wayne & Associates, Inc. is your go-to partner for specialized recall coverage. We bring deep product knowledge, strong carrier relationships, and responsive service to help you place challenging accounts efficiently. Let us help you deliver peace of mind to clients concerned about the financial and reputational impact of a product recall. Call us today and ask how Alexander J. Wayne & Associates can help you with your hard-to-place Products Recall Insurance accounts. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include manufacturers, importers, and private-label brand owners in industries such as food and beverage, electronics, toys, and industrial equipment. Can my client choose between first-party and third-party coverage?Yes, the insured can select Part I (first-party), Part II (third-party), or both, depending on their specific exposure and needs. Is this program admitted or non-admitted?The program is available on an admitted basis in some states, while other placements are written through non-admitted domestic and London markets. Does the policy cover fines from government agencies?No, the policy does not cover sanctions or fines levied by government or regulatory agencies. What information is needed for underwriting?Underwriters typically require product details, distribution methods, recall history, and current risk management practices to assess the account. Need help placing an account? Connect with a market specialist.

Irwin Siegel Agency (ISA) offers a specialized Behavioral and Mental Healthcare Providers insurance program designed to meet the unique risks faced by organizations offering psychiatric, psychological, and counseling services. Written through CHUBB®, this comprehensive program supports both residential and outpatient care providers with tailored coverage, dedicated claims handling, and expert risk management services. Whether your client operates a group home, crisis hotline, or outpatient counseling center, ISA's program delivers broad protection so your insureds can focus on their core mission—supporting mental health and emotional wellness. Ideal Accounts and Eligible Classes This program is ideal for nonprofit and for-profit organizations providing behavioral and mental health services in both residential and outpatient settings. Common eligible classes include: Behavioral Health Facilities (inpatient and outpatient) Counseling Services and Crisis Hotlines Psychiatric Rehabilitation Services Group Homes and Halfway Houses Eating Disorder Counseling Marriage and Family Counseling Emergency Shelters for Mentally Ill Individuals Support Groups and Referral Services Suicide Prevention and Telephone Counseling Centers Coverage Highlights Package Coverage Includes: Abuse and Molestation General Liability Professional Liability Property Crime Inland Marine Business Auto Umbrella Enhancements & Supplements: Umbrella & Abuse Coverage Capacity Options Directors & Officers (D&O) / EPLI Cyber & Privacy Liability HIPAA Protector Volunteer Accident Coverage Property Enhancements Special Events Coverage Underwriting Considerations Minimum premium varies based on class and exposure, and submissions are evaluated case by case. ISA works closely with agents to assess risk and tailor coverage accordingly. Strong documentation, safety protocols, and staff training can support favorable underwriting outcomes. Nationwide Availability This program is available on an admitted basis in all 50 states plus Washington, D.C. ISA provides consistent underwriting and program support regardless of location, helping agents serve clients across state lines. Why Place Your Behavioral Health Accounts with ISA? As a Program Administrator with decades of experience in human and social services, Irwin Siegel Agency understands the nuanced risks behavioral health providers face. ISA goes beyond coverage by offering personalized risk management resources, industry-specific insights, and responsive claims coordination. With CHUBB® as the carrier partner, you can place your accounts with confidence knowing they are backed by financial strength and a commitment to service. For more information about insurance programs for Behavioral and Mental Healthcare Service Providers, give us a call today at 800.622.8272 or visit the program page of our website, http://www.siegelagency.com/insurance-programs/behavioral-mental-healthcare/. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for behavioral health organizations such as group homes, counseling centers, psychiatric rehabilitation services, and crisis intervention providers. Is the program available in all states?Yes, the Behavioral and Mental Healthcare Providers program is available on an admitted basis in all 50 states and Washington, D.C. Which carrier underwrites this program?The program is written through CHUBB®, offering strong financial backing and a reputation for claims excellence. What is the minimum premium for this program?Minimum premiums vary depending on exposure, location, and type of services provided. ISA evaluates each submission individually. Can this program cover special events or volunteers?Yes, optional enhancements are available for special events and volunteer accident protection, among other coverage extensions. Need help placing an account? Connect with a market specialist.

Professional Liability Insurance Services®, Inc. (PLIS) offers a focused insurance solution for restaurants and hospitality businesses facing the financial and reputational fallout from food-borne illness incidents, contamination, and related crises. Our Business Interruption Insurance for Food Borne Illness Outbreaks—marketed as Trade Name Restoration® (TNR)—is built to protect a client’s revenue, operations, and brand when the unexpected occurs. Ideal Accounts and Appetite PLIS's TNR program fits a wide range of food-service and hospitality accounts, including: Independent restaurants and single-site operators Franchised concepts and multi-unit chains (U.S. or Canada-domiciled owners) Hospitality businesses with a branded trade name that relies on consumer confidence Food manufacturers, packagers, co-packers, and distributors Typical appetites include accounts where brand reputation, customer confidence, and continuity of operations are critical. The program is appropriate for both single incidents at a high-profile location and for multi-location exposures tied to supplier contamination or systemic issues. Example accounts you can place A regional quick-service franchise reporting suspected supplier contamination across several units — coverage for brand rehabilitation, lost royalties, testing, and marketing response. A high-volume, single-location fine dining restaurant that faces allegations of a food-borne illness — coverage for extra expenses, sanitation, employee testing, and lost income during restoration. Coverage Highlights and Advantages Up to $100 million capacity per trade name No per-location caps and automatic extension to newly reported locations No 10% revenue loss threshold or waiting period to trigger coverage Up to 18 months period of restoration/rehabilitation Covers supplier-related and in-house contamination events Includes workplace violence incidents and extortion/malicious contamination threats with full limits available Recall coverage available, either bundled or as a stand-alone option Inoculation, vaccination, and testing expenses covered outside the indemnity limits Incident response and extra expense coverage includes: Marketing, public relations, and reputation restoration expenses Employee overtime, temporary staffing, and relocation expenses Product removal, disposal, sanitation, and machinery cleaning Customer and employee testing, medical mitigation, and inoculation costs Loss of royalty income for franchisors and business interruption for multiple sites For manufacturing and distribution accounts, the program can also include pre-recall and recall expenses, product rehabilitation, customer notification costs, and additional crisis management support. Specialty Risk Management® (SRM®) Support PLIS partners with SRM®, a crisis management team with over 100 years of combined food and beverage industry experience. SRM provides 24/7 expert assistance in media management, regulatory coordination, incident investigation, and brand recovery — helping insureds mitigate reputational damage and restore consumer confidence. Underwriting Notes and Minimum Premiums Policies are customized to match each client’s exposures. PLIS underwriters are HACCP-certified with more than 40 years of combined farm-to-fork experience and work directly with brokers to structure appropriate limits and options. Minimum premiums vary depending on account characteristics and selected coverages. Territories and Availability This program is available in all U.S. states and Washington, D.C., on a non-admitted basis and is placed through Certain Underwriters at Lloyd’s. International locations owned by U.S. or Canadian-domiciled entities may be eligible, subject to underwriting approval. Why Work With Professional Liability Insurance Services, Inc.? The original and longest-operating provider of Trade Name Restoration® style coverage Direct access to experienced underwriters—no voicemail Claims and underwriting teams are HACCP-certified with real-world food industry experience SRM® crisis response team available 24/7 to support insureds immediately after an event Flexible program structure for both corporate owners and franchisees PLIS combines specialized underwriting, industry knowledge, and dedicated crisis management to offer agents a practical market for clients where brand and business continuity matter most. If your client’s reputation is core to their revenue, this program provides a targeted safety net. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for restaurants, hospitality brands, food manufacturers, and franchise operators that rely on brand reputation and uninterrupted operations. Does the policy cover both supplier and in-house contamination incidents?Yes, coverage applies to food borne illness outbreaks caused by suppliers or by the insured’s own operations. What are some key advantages of this program over standard business interruption insurance?Unlike standard BI policies, this program covers extra expenses, product recall, brand rehabilitation, and even marketing costs. It also responds to workplace violence and extortion threats. Is there a waiting period or loss threshold to trigger coverage?No. This program does not require a 10% revenue loss threshold or waiting period, allowing faster claims response and mitigation. Can this coverage extend to locations outside the U.S.?Yes, coverage extends to international locations owned by entities domiciled in the U.S. or Canada, subject to underwriting approval. Need help placing an account? Connect with a market specialist.

Atlantic Risk Specialists, Inc./ARS-Latiff, LLC offers the Owner's Interest Insurance Package — a targeted program for owners of buildings that are vacant, under renovation or rehabilitation, or newly constructed. Tenants completing a tenant build-out in premises they do not own are also eligible. The program combines property and liability coverage tailored to construction, renovation and vacancy exposures faced by owners and developers. Overview of the Program From Atlantic Risk Specialists This package is designed for property owners who need short- to mid-term protection while buildings are vacant, being renovated, rehabilitated, or newly built. Coverage can include both property and commercial general liability (CGL) components with flexible policy terms. Atlantic Risk Specialists places this program through multiple markets and provides admitted placement where available plus excess & surplus lines access through ARS-Latiff when needed. Ideal Accounts and Appetite This program generally fits: - Owners of vacant commercial or mixed-use buildings - Owners managing renovation or rehabilitation projects - Developers and owners of new construction during the build phase - Tenants performing build-outs in non-owned premises who need project-specific protection Coverage Highlights and Advantages - Property and liability coverage available in a single package - Property limits up to $8,000,000 - General liability limits up to $1,000,000/$2,000,000 with excess limits available - First-dollar CGL available for qualifying accounts - Policy terms flexible from 3 months up to 18 months to match construction or renovation schedules - Tenant build-outs can be written to include the owner of the premises as an additional insured Underwriting Notes and Minimum Premiums Underwriting requires that the owner engage a professional general contractor who carries commercial general liability through an acceptable carrier, with limits at least equal to those provided by this package. The general contractor must name the owner as an additional insured and agree to hold the owner harmless. Minimum premium and final terms vary by state, project scope, and carrier appetite. Territories and Availability Available in CT, NJ, NY and PA. Atlantic Risk Specialists places admitted coverage where admitted markets are available; ARS-Latiff provides excess & surplus placement when required. Carriers vary by submission and state. Why Work With Atlantic Risk Specialists on Owner's Interest Business As a general agency and E&S broker, Atlantic Risk Specialists/ARS-Latiff blends admitted market access with surplus lines flexibility. Their Owner's Interest package is underwritten for construction and renovation exposures and supports short-term policy periods common to project schedules. You’ll get streamlined placement options for mixed property/liability needs and the ability to pursue higher property limits and excess liability when required. Example Accounts - A landlord renovating a two-story mixed-use building who needs property and CGL coverage for a 12-month rehab project and wants the contractor named as required by lease agreements. - A tenant completing a tenant build-out in a downtown storefront who requires project-specific liability and needs the building owner added as an additional insured. Frequently Asked Questions What types of accounts are a good fit for the Owner's Interest Insurance Package?Owners of vacant properties, buildings under renovation or rehabilitation, new construction projects, and tenants performing build-outs are primary fits. The program is intended for short- to mid-term project exposures where combined property and liability protection is needed. Is a general contractor required?Yes. The owner must engage a professional general contractor who carries acceptable commercial general liability insurance. The contractor must name the owner as an additional insured and agree to hold the owner harmless. What limits and policy terms are available?Property limits are available up to $8,000,000. CGL limits are available up to $1,000,000/$2,000,000 with excess capacity available. Policy terms range from 3 to 18 months to match project timelines. Which states are eligible and how is coverage placed?The program is available in CT, NJ, NY and PA. Atlantic Risk Specialists places admitted coverage where markets allow and uses ARS-Latiff's excess & surplus capabilities when needed. Final placement depends on state rules and carrier appetite. Need help placing an account? Connect with a market specialist.