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...n equine risks helps identify and price exposures specific to horse operations...

Animal Mortality Coverage for Horses - Minimum premium: $250 For the last three decades, Equisure — part of the Amwins Underwriting division — has developed specialty insurance programs for horse and dog owners. From private barns and boarding stables to competitive show operations, Amwins Underwriting provides a focused animal mortality program designed for agents who place equine risks. Our underwriting team brings deep equine experience and a service-oriented approach. Many underwriters are horse owners themselves, which helps when evaluating risk, explaining coverage options to insureds, and handling complex submissions. Overview of the Program from Amwins Underwriting This Animal Mortality Insurance program through Equisure is positioned for agents seeking specialty mortality and related veterinary coverages for horses (including mules and miniature horses). The program combines mortality protection (including theft) with optional major medical, emergency colic surgery, and loss of use coverage where available. Ideal Accounts and Appetite Horses, mules and miniature horses used for breeding, showing, pleasure, lessons, or boarding operations. Private owners, small and mid-size boarding stables, and show barns that need mortality and ancillary veterinary protection. Accounts where accurate valuation and basic medical histories are available for underwriting review. Not a fit: horses older than 17 years and any equine valued under $2,500 are ineligible for this program. Coverage Highlights and Advantages Mortality coverage (including theft) — primary offering for most accounts. Major medical/veterinary services — available as an enhancement to mortality where permitted. Emergency colic surgery coverage — helps manage one of the most significant and costly equine medical events. Loss of use coverage — optional for qualifying animals to address partial or permanent disablement scenarios. The program is designed to be straightforward to quote for routine risks while allowing underwriters to consider more complex or higher-value accounts on a case-by-case basis. Underwriting Notes and Minimum Premiums Minimum premium: $250. Eligible animals: horses (including mules and miniature horses). Ineligible: horses older than 17 years and animals valued under $2,500. Underwriters will review age, use, valuation method, prior medical history, and theft/theft prevention measures on higher-value submissions. Provide clear valuation documentation and recent veterinary history to reduce turnaround time. The program is administered by Amwins Underwriting as Master Policy Holder and Administrator. Territories and Availability Available in: 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. Please confirm state eligibility and any state-specific requirements at placement. Why Work With Amwins Underwriting on This Business Specialty expertise through Equisure with three decades of focused equine programs. Underwriters who understand the equine market and can evaluate unusual or higher-value risks thoughtfully. Program administration and claims coordination handled through Amwins Underwriting’s platform, giving agents a single point for placement and servicing. Example account scenarios You have a client who owns a 10-year-old show horse (valuation above the $2,500 eligibility minimum) seeking mortality plus emergency colic surgery — this program can provide mortality plus optional major medical layers. You represent a small boarding stable that needs mortality coverage for resident lesson horses and wants the option to add loss of use on select animals — submit individual schedules with valuations and vet history for review. Frequently Asked Questions What types of accounts are a good fit for this program?Private owners, show barns, boarding stables, and similar operations with horses (including mules and miniature horses) that meet the age and valuation eligibility. Accounts should have clear valuation and reasonable veterinary history. Which horses are not eligible?Horses older than 17 years and any equine valued under $2,500 are ineligible for this program. What coverages can I quote through Amwins Underwriting’s program?Primary mortality (including theft) is available, with optional major medical/veterinary services, emergency colic surgery, and loss of use where allowed. Availability may vary by state and risk characteristics. What is the minimum premium and what should I include with a submission?The program minimum premium is $250. Include animal age, use, valuation documentation, and recent veterinary history to help expedite underwriting. Which states are supported?The program is available in the listed states (see territories above). Confirm state-specific availability at submission because requirements and coverages can vary by state. Need help placing an account? Connect with a market specialist.

Novatae Risk Group offers a focused Mineral Milling Workers Compensation Insurance program tailored for employers who operate mineral milling facilities. We understand that costs can be significant and exposures vary with operation size and staffing — from management and runners to hands-on operators. This program is built to address those industry-specific risks with disciplined underwriting and broad market access. This program is underwritten through experienced partners familiar with mineral milling exposures. Novatae Risk Group and our underwriting partners perform detailed, risk-focused evaluations so you can place Workers Compensation coverage with confidence across a number of "A" rated carriers. To discuss a Mineral Milling Workers Compensation submission, please call 800-758-8113 or email [email protected] for immediate assistance from an underwriter. Program Features: Only $7,500 Minimum Premium Program Highlights: 10% commission Fast turnaround for quotes with completed application Coverage available in over 20 states Submissions: Acord 130 3 Years Loss Runs Supplemental Questionnaire Details on Large Losses Ideal Accounts and Appetite This program targets mineral milling operations with established safety programs and routine maintenance controls. Ideal accounts typically include small to mid-sized mills with predictable payrolls and clear classification of duties for management, runners, and operators. Accounts with significant subcontractor exposures, uncontrolled remote operations, or extremely high loss frequency may require additional underwriting review or alternative markets. Coverage Advantages Underwriting focused on mill-specific exposures rather than broad manufacturing categories Access to multiple A-rated carriers to achieve competitive terms Streamlined quoting when required submission documents are provided Underwriting Notes and Minimums Provide a completed Acord 130, three years of loss runs, the program supplemental questionnaire, and full details on any large losses to obtain a timely quote. The program has a minimum premium of $7,500; higher minimums may apply in select states or for accounts with elevated exposures. Territories and Admitted Status Availability: 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, WV. Admitted status: All Available Markets. Coverage availability and placement options vary by state; contact underwriting for specifics. Why Place Mineral Milling Business with Novatae Risk Group Novatae Risk Group provides agents with a specialized placement option for mineral milling Workers Compensation risks, combining industry-aware underwriting, carrier access, and prompt service. You get a dedicated underwriting partner who understands mill exposures and can help structure terms that match your client’s operations. Example account: You might have a regional mineral mill with 25 employees — a plant manager, shift supervisors, several operators, and material handlers — with three years of stable loss history and a documented safety program. This program is positioned to provide competitive Workers Compensation terms for that profile. Do you need a Workers Compensation Quote for your Mineral Milling client? Send an email to [email protected] with your coverage needs or call 800-758-8113 to speak to an underwriter immediately. Frequently Asked Questions What types of mineral milling accounts are a good fit for this program?Good-fit accounts are small to mid-sized mills with clearly defined roles (management, runners, operators), documented safety and maintenance programs, and three years of loss history. High-frequency loss accounts or uncontrolled subcontractor exposures may need additional review. What documents are required to get a fast quote?Submit a completed Acord 130, three years of loss runs, the program supplemental questionnaire, and full details on any large losses to help underwriting provide a timely quote. Is the program available in my state?The program is available in the listed states. Coverage options and admitted vs. non-admitted placement depend on state rules and the specific account; contact underwriting for state-specific details. What is the minimum premium and how does it affect small accounts?The program minimum premium is $7,500. Smaller accounts below that threshold may need alternative placement or consolidation strategies to meet the program minimums. How quickly can I expect a quote after submission?When you provide the required submission materials, the program emphasizes fast turnaround. Timelines vary by complexity, but complete submissions receive priority handling from underwriting. Need help placing an account? Connect with a market specialist.