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Cargo Insurance - Motor Truck Cargo Insurance J.M. Wilson offers a focused Cargo Insurance program designed for transportation professionals and intermediaries who need specialty placement options. As a Managing General Agency and Excess & Surplus Lines broker, we access both admitted and non-admitted markets to help independent agents place hard-to-place or specialized cargo risks with confidence and speed. Ideal Accounts and Appetite This program is built for a broad spectrum of transportation clients, including: Transportation Brokers Freight Forwarders Mobile Home Movers Car Carriers Couriers Livestock Haulers You might have a client who ships perishable goods across multiple states and needs broader spoilage or refrigeration protection, or a livestock hauler that requires specialized livestock coverages. This program is structured to add those enhancements that standard cargo forms may not provide. Coverage Highlights and Advantages Key protections available through J.M. Wilson’s Cargo Insurance program include: Debris & Pollution Removal with higher separate limits Broad Livestock Coverage tailored for animal transit Towing and re-load expense coverage Traffic & security expense coverage $1 million catastrophe limit Optional Coverages and Endorsements Spoilage or freezing coverage for perishables Diminishing deductible options Non-owned container and trailer interchange Owner’s goods extension Pollutant cleanup and removal Right and duty to defend endorsements Excess cargo placement for higher limits Additional Program Advantages No coinsurance penalty Expanded refrigeration coverage for temperature-sensitive loads Coverage for hired car cargo exposures Mitigation payments up to $5,000 Fire department service charge expense coverage up to $25,000 Underwriting and Market Access J.M. Wilson places accounts with a panel of admitted and non-admitted carriers, giving you flexibility when standard markets aren’t able to respond. Favorable consideration is given to accounts that demonstrate sound operations, documented risk management, and clear cargo handling procedures. While there is no stated minimum premium, submission quality and operational details will influence placement and pricing. Territories and Availability This Cargo Insurance program is currently available in: GA, IL, IN, KS, KY, MI, MS, MO, OH, PA, SC, TN, WV, and WI. Why Work With J.M. Wilson With decades of experience as an MGA and E&S broker focused on transportation, J.M. Wilson gives independent agents access to specialty markets and responsive underwriting teams. We help agents place complex cargo risks—from fast-moving couriers and freight brokers to niche haulers—providing practical endorsements and tailored limits to match operational needs. Our team moves quickly on submissions and works with you from quote through bind to close placements efficiently. Frequently Asked Questions What types of accounts are a good fit for this Cargo Insurance program?Ideal accounts include transportation brokers, freight forwarders, car carriers, livestock haulers, couriers, and mobile home movers—especially when standard cargo forms are insufficient or the cargo is higher risk. Is this program available on an admitted or non-admitted basis?J.M. Wilson works with both admitted and non-admitted carriers, allowing placement flexibility depending on the state and the risk profile. What states is this Cargo Insurance program available in?This program is currently available in GA, IL, IN, KS, KY, MI, MS, MO, OH, PA, SC, TN, WV, and WI. Need help placing an account? Connect with a market specialist.

J.M. Wilson offers specialized Property and General Liability insurance solutions for contractors working in the alarm installation and repair industry. With access to multiple A-rated carriers—both admitted and non-admitted—we can help you place accounts for clients who install, service, or monitor alarm systems, including burglar, fire, intercoms, access control, and closed-circuit television (CCTV) systems. Coverages are available on a monoline or package basis, depending on your client's needs. Ideal Accounts and Appetite This program is designed for licensed alarm contractors and technicians who provide installation, maintenance, and monitoring services. Ideal accounts include: Burglar and fire alarm system installers CCTV and camera system technicians Access control and intercom system providers Contractors offering remote monitoring services Accounts with a focus on commercial, residential, or mixed-use clients are eligible, and we can accommodate a wide range of business sizes from small operations to larger regional contractors. Coverage Highlights and Advantages We offer comprehensive Property and CGL coverages tailored to the risks faced by alarm installers and repair technicians. Key features include: Property Coverage Basic, Broad, or Special Form Replacement Cost or Actual Cash Value Equipment Breakdown Accounts Receivable and Valuable Papers Computer Equipment and Outside Signs Inland Marine, Building, and Contents Business Income General Liability Coverage Primary Limits up to $3M Occurrence / Aggregate Excess or Umbrella Limits up to $20M Medical Payments – $5,000 Limit Lost Key Coverage – $25,000 Limit Limited Errors & Omissions BI/PD Extension Property Damage Extension (Care, Custody & Control) – Up to $200K per Occurrence / $300K Aggregate Inside and Outside the Premises – Theft of Money and Securities Underwriting Notes and Minimum Premiums Minimum premiums vary based on the scope of operations, size of the business, and selected coverages. Submissions should include a completed application, loss runs (if applicable), and a detailed description of services provided. We work closely with agents to navigate underwriting requirements and provide competitive solutions. Territories and Availability This program is available in the following states: AL, AR, GA, IL, IN, IA, KS, KY, MI, MS, MO, NE, NC, OH, OK, PA, SC, TN, VA, WV, and WI. We represent a wide range of carriers, offering both admitted and non-admitted options depending on the state and risk profile. Why Work With J.M. Wilson? As a Managing General Agency and Excess & Surplus Lines Broker, J.M. Wilson brings decades of experience in placing niche contractor risks. Our team understands the unique exposures faced by alarm installation professionals and works with agents to deliver fast, flexible, and competitive insurance solutions. Whether your client is a startup alarm technician or a regional monitoring company, we’re here to help you secure the right coverage. Visit our website, www.jmwilson.com to learn more! Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for licensed contractors who install, service, or monitor burglar alarms, fire alarms, intercoms, access control systems, and CCTV systems. Is coverage available for companies that offer alarm monitoring services?Yes, accounts that provide remote monitoring in addition to installation and service are eligible for coverage. Are both monoline and package policies available?Yes, J.M. Wilson can offer coverage on either a monoline or package basis depending on client needs and underwriting considerations. What states is this program available in?This program is available in AL, AR, GA, IL, IN, IA, KS, KY, MI, MS, MO, NE, NC, OH, OK, PA, SC, TN, VA, WV, and WI. Do you offer admitted and non-admitted options?Yes, we have access to both admitted and non-admitted carriers to help you find the best fit for your client’s risk profile and location. Need help placing an account? Connect with a market specialist.

Overview J.M. Wilson Corp. offers a Commercial Umbrella Insurance program designed to expand liability limits and provide broader excess coverage for a wide range of small-to-medium commercial classes. As a Managing General Agency and Excess & Surplus (E&S) broker, we place excess and umbrella limits with both admitted and non-admitted markets to give agents flexible placement options for their clients. Target Classes and Ideal Accounts Below is a sampling of classes we routinely place on this program. These accounts typically fit when the underlying liability program is standard and loss history is acceptable: Apartment buildings Bakeries Beauty shop supplies distributors Beverage stores Cable TV companies Car washes Caterers Clubs Computer and electronics stores Department / discount stores Food and drink distributors Drywall installation Florists & gift shops Golf courses / driving ranges Hardware stores Hotels & motels Janitorial services Laundries & dry cleaners Lawn care services / contractors Masonry Meat, fish, poultry, seafood stores Nail salons Paving — sidewalks / parking / drives Paint / wall covering stores Photographers Pet stores Plumbing contractors Restaurants Video stores and theatres Coverage Highlights and Advantages Limits available up to $20,000,000 to meet higher-limit requirements for premises, products, auto and other liability exposures. Placement options include both admitted and non-admitted markets depending on state and class, allowing more flexibility where admitted forms aren’t required. Excess/umbrella placements with adjustable attachment points and the ability to consider deletion of a Self-Insured Retention (SIR) where markets permit. Competitive minimum premium structure for smaller accounts: $1,250 minimum premium for the initial $1,000,000 of limit $1,000 minimum premium per additional $1,000,000 of limit Typical minimum attachment points often $1,000,000 primary / $2,000,000 excess for lower-hazard classes (subject to underwriting) Underwriting Appetite and Restrictions Underwriters prefer accounts with class-appropriate operations, stable or improving loss histories, and standard underlying limits and endorsements. The program favors low- to medium-hazard retail, service, hospitality, and light contracting risks listed above. Generally not a fit: accounts with severe or repeated liability losses, significant professional or pollution exposures, or operations that require specialized excess capacity (heavy industry, high-hazard manufacturing) unless underwriting reviews and approves placement options first. Sample Accounts (Agent View) Small regional motel seeking $5M excess over a $1M primary — the umbrella can provide a clean excess layer with broader limits for premises liability and guest exposures. Landscaping contractor with conservative loss history that needs higher aggregate limits for general and auto liability — the program can offer $1M+ excess limits and alternative attachment structures. Territories and Availability This program is available in: GA, IL, IN, KS, KY, MI, MS, MO, NC, OH, PA, SC, TN, VA, WV and WI. Admitted versus non-admitted placement depends on the state, class and carrier appetite. Why Place Commercial Umbrella with J.M. Wilson Market access: we represent a number of admitted and non-admitted carriers, giving producers flexibility to place accounts that need admitted forms or E&S capacity. MGA & E&S expertise: focused underwriting for umbrella/excess placements with experience handling layered liability structures. Streamlined quoting: a focused appetite and clear minimums help agents get quick indications on common small-to-mid sized commercial risks. Underwriting Notes and Submission Tips Include current underlying liability declarations pages and forms so we can confirm attachment points and coverage consistency. Provide 3–5 years of loss history when available; include explanations for any losses to speed placement. Describe operations, annual payroll/sales and vehicle exposures for contractors and service accounts. If you need deletion of an SIR or unusual attachment points, flag that on submission so underwriting can evaluate markets early in the process. Frequently Asked Questions What types of accounts are a good fit for this Commercial Umbrella program?Retail, hospitality, light contractors, service and distribution classes with standard underlying programs and acceptable loss histories are the primary appetite. The program is designed for small- to mid-size commercial risks that need higher liability limits. What limits and attachment points are available?Limits are available up to $20,000,000. Typical minimum attachment points for lower-hazard classes are $1,000,000 primary / $2,000,000 excess, but underwriting will consider other structures based on the account. Minimum premium guidelines apply for each layer. Which states does this program serve?The program is available in GA, IL, IN, KS, KY, MI, MS, MO, NC, OH, PA, SC, TN, VA, WV and WI. Coverage options and admitted vs. non-admitted availability depend on the state and carrier. Is coverage placed admitted or non-admitted?We work with both admitted and non-admitted markets. The placement method depends on the class, state regulation, and the carrier selected by underwriting. What information should I include with a submission?At minimum provide current underlying declarations pages, loss runs (preferably 3–5 years), a description of operations, and exposure details (payroll, sales, vehicles). For contractors or hospitality accounts, include any contracts or risk-transfer requirements. Need help placing an account? Connect with a market specialist.

J.M. Wilson is a trusted resource for Detective and Security Agency Insurance, providing comprehensive, commercial lines solutions tailored to the distinct exposures faced by private security professionals. This program suits agencies that provide armed or unarmed security personnel, private investigators, process servers, firearms training and certification schools, and independent claims adjusters with draft authority of $5,000 or less. Whether your client runs a single-site investigations firm or a multi-state patrol operation, J.M. Wilson can help you place the account with confidence and access both admitted and excess & surplus (non-admitted) options. Ideal Accounts and Appetite This program targets a broad spectrum of security-related businesses, including: Armed and unarmed security guard firms Private investigation services Process serving companies Firearms and security training schools Independent claims adjusters (with limited draft authority) You should consider this program when a client provides patrol services for commercial properties, performs background investigations, handles process service or courtroom support, or operates a training school. Typical fits include businesses with established procedures, licensed staff, and appropriate screening and training programs. High-risk accounts (for example, contracted protection at large-scale dangerous venues or operations with significant prior liability history) may require referral to specialty markets. Coverage Highlights and Advantages CGL for Detective and Security Agency Insurance Primary limits up to $3,000,000 Occurrence/Aggregate $5,000 Medical Payments Coverage – Included Additional Interests – $100 each General Liability Errors & Omissions BI/PD extension – Included Assault & Battery included at policy limits – Sublimits available with rate reduction Lost Key Coverage included ($25,000 limit) on Security and Patrol Program Errors & Omissions Coverage Part available Excess or Umbrella limits up to $20,000,000 Property Coverage Building Contents Business Income Basic, Broad, or Special Form Replacement Cost or Actual Cash Value (ACV) Accounts Receivable Computer Equipment Equipment Breakdown Outside Signs Valuable Papers Crime Coverage Inside the Premises – Theft of Money and Securities Outside the Premises Underwriting Notes and Market Access J.M. Wilson represents a number of carriers, both admitted and non-admitted, giving you flexible placement options across standard and excess & surplus markets. Underwriting evaluates licensing, employee screening and training practices, use-of-force policies, payroll mix (armed vs. unarmed), and loss history. Minimum premiums and specific terms vary by class and state; J.M. Wilson’s underwriting team can quickly advise on appetite and available markets for each submission. Territories and Availability This program is available in the following states: AL, AR, GA, IL, IN, IA, KS, KY, MI, MS, MO, NE, NC, OH, OK, PA, SC, TN, VA, WV, and WI. Coverage availability and admitted vs. non-admitted options may differ by state—consult underwriting for state-specific guidance. Why Work With J.M. Wilson As a Managing General Agency and Excess & Surplus Lines Broker, J.M. Wilson combines deep specialty commercial lines experience with access to A-rated markets and flexible E&S capacity. Agents benefit from experienced underwriters familiar with security and investigative exposures, responsive placement support, and tailored program structures that address both liability and property/crime needs. Example Accounts Small private investigation firm that conducts background checks and process serving, seeking combined GL and E&O with modest limits. Regional security patrol company that employs both armed and unarmed guards, needs high primary limits and access to umbrella capacity. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for private security firms, private investigators, process servers, firearms training schools, and claims adjusters with limited draft authority. Are both armed and unarmed security services eligible?Yes. The program accommodates both armed and unarmed security personnel, including patrol and on-site services; underwriting will review licensing, screening and training practices. What coverage limits are available?Primary general liability limits go up to $3 million Occurrence/Aggregate, with excess or umbrella options available up to $20 million. Is Assault & Battery coverage included?Yes. Assault & Battery coverage is included at policy limits; sublimits are available for a reduced rate in some markets. In which states is this program available?This program is offered in AL, AR, GA, IL, IN, IA, KS, KY, MI, MS, MO, NE, NC, OH, OK, PA, SC, TN, VA, WV, and WI. Need help placing an account? Connect with a market specialist.

J.M. Wilson has developed a dedicated Brokerage Team focused exclusively on placing tough-to-place risks through our Brokerage Insurance program. These accounts often fall outside standard underwriting guidelines and require deep market access and technical underwriting to secure appropriate coverage. Ideal Accounts and Appetite Our Brokerage Insurance program helps agents place specialty or hard-to-place commercial accounts across a variety of industries. We routinely place accounts that need Excess & Surplus (E&S) solutions, tailored terms, or access to specialty carriers. Industrial / Manufacturing Manufacturers and roofers Machinery repair operations Auto parts manufacturers Railroad protective exposures Oil & gas contractors Products liability risks Errors & Omissions Real estate and home appraisers Media liability Data breach / cyber risks Insurance agents E&O Allied health professionals Employment practices liability Technology professionals and consultants Property managers Other Specialty Risks Drones / UAV operations Foreign liability placements Commercial umbrella layers Environmental exposures Public officials liability Large inland marine accounts Large property schedules This list is illustrative, not exhaustive. Our Brokerage Team has access to additional specialty markets and will review complex accounts that don’t fit standard underwriting boxes. Whether your client is a manufacturer facing elevated product liability exposure or a tech consultant needing tailored E&O coverage, we can help identify a market solution. Coverage Highlights and Advantages We place coverage through a panel of A-rated (or better) non-admitted carriers, giving flexibility to structure policies for unique operations, prior losses, or high-risk exposures. Our E&S access lets us pursue terms that admitted markets may decline or restrict. Representative placements include: Multi-state roofing manufacturer with elevated product liability exposure Drone services provider needing specialized UAV liability coverage Real estate appraiser with prior E&O claims requiring tailored protection Underwriting Notes Each submission is evaluated by our Brokerage underwriters to determine the best market fit and structure. We’ll work with you to gather the right documentation and present the risk effectively to carriers. Typical submission items include a completed application, recent loss runs (when applicable), and a detailed description of operations. Minimum premiums vary by class and carrier—contact us with risk details for a quick assessment. Territories and Availability Brokerage Insurance coverage is available in the following states: AL, AR, GA, IL, IN, IA, KS, KY, MI, MS, MO, NE, NC, OH, OK, PA, SC, TN, VA, WV, and WI. All placements are made on a non-admitted basis through our network of trusted E&S carriers. Why Work With J.M. Wilson? Founded in 1920, J.M. Wilson is a family-owned Managing General Agency with a long history of underwriting expertise and personalized service. Our Brokerage Team is trained to handle difficult classes and complex accounts that demand deeper market knowledge and carrier relationships. We deliver responsive service, clear communication, and access to a broad array of specialty carriers. When a client doesn’t fit the standard market, J.M. Wilson provides the technical underwriting and market reach to pursue a placement. Frequently Asked Questions What types of accounts are a good fit for J.M. Wilson's Brokerage Insurance program?Accounts with complex operations, significant exposures, or those that don’t qualify for standard markets—such as manufacturers, consultants, drone operators, or real estate professionals—are a strong fit for this program. Is this program available on an admitted basis?No. Coverage is placed with A-rated non-admitted carriers through the Excess & Surplus market. What information is needed to get a quote?Submission needs vary by class but typically include a completed application, loss runs (if applicable), and a detailed description of operations. Our Brokerage Team will advise on specific requirements. Can you help with risks that have prior claims or coverage gaps?Yes. Our Brokerage Team specializes in tough-to-place risks, including those with prior losses or challenging underwriting histories. In which states is the program available?This program is available in AL, AR, GA, IL, IN, IA, KS, KY, MI, MS, MO, NE, NC, OH, OK, PA, SC, TN, VA, WV, and WI. Need help placing an account? Connect with a market specialist.