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Overview of the Program from Brown & Riding Brown & Riding’s Child Care Centers Insurance program provides a focused marketplace for agents placing coverage for child care providers, preschool centers, daycare operations, and similar early-education facilities. As a General Agency and Excess & Surplus Lines Broker, Brown & Riding combines underwriting expertise with access to admitted and E&S capacity to place accounts that need specialized liability, property, and abuse/molestation protections. The program is widely available across most states and is designed for brokers who need practical solutions for the unique exposures of child care operations. Ideal Accounts and Appetite Small to mid-size child care centers, preschools, and day-care providers (including licensed family day care homes in many states). Centers offering full-day care, part-day preschool, enrichment programs, or before/after school care. Facilities with up to moderate enrollment size and typical staff-to-child ratios; centers with routine safety programs and formal hiring/supervision practices. Programs requiring combined primary liability, abuse/molestation, and property coverage in one placement. Generally not a fit: large multi-site chains, centers with significant water features or high-risk activities (e.g., adventure courses), or operations with a recent pattern of severe abuse/molestation or repeated large liability claims. Each risk is underwritten on its own merits. Coverage Highlights and Advantages Primary general liability tailored for child care exposures, including limits appropriate for abuse/molestation considerations. Abuse and molestation coverage available; coverage scope and limits are underwritten based on controls and history. Property coverage options for owned buildings, contents, play equipment, and business interruption exposure. Optional endorsements typically available: hired/non-owned auto, professional liability for staff, cyber/privacy for parent records, and volunteers coverage. Access to admitted markets where available, with E&S placement through Mount Vernon Fire for non-admitted situations as needed. Underwriting Notes and Minimum Premiums Underwriters evaluate enrollment, staff screening and training, facility safety features, transportation exposure, background checks, and any history of allegations or claims. Documentation that speeds placement includes current application(s), loss runs for the prior five years, staff screening and training policies, and a description of any special programs (swimming, off-site field trips, transport of children). Minimum premium: $450. Larger or higher-exposure programs will have higher premiums and may require additional underwriting information or risk control improvements. Territories and Availability The program is available in most states. Current territories include AL, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, 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, WI, and WY. Brown & Riding places business admitted where possible and uses E&S capacity (United States Liability; Mount Vernon Fire for non-admitted) when necessary to secure appropriate limits and terms. Why Work with Brown & Riding on Child Care Business Specialized underwriting expertise in child care and early education exposures — faster, more predictable responses for routine and complex submissions. Flexibility to place admitted or non-admitted depending on state availability and client needs. Practical appetite guidance for agents: clear expectations on what fits and what will require enhanced risk controls or referral. Streamlined submission process and responsive follow-up to help you close placements and service accounts efficiently. Example scenarios: You might have a neighborhood preschool with 40 children seeking combined GL, property, and abuse limits — the program can often place that on admitted paper. Or you may have a multi-program center with unique activities requiring higher abuse limits; Brown & Riding can access E&S capacity to secure broader limits and tailored endorsements. Frequently Asked Questions What types of child care accounts are a good fit for this program?Licensed child care centers, preschools, and family day care homes with standard staffing, documented safety/training programs, and limited high-risk activities are the primary targets. Multi-site chains and high-risk operations may need referral. Is abuse and molestation coverage included or available?Yes. Abuse and molestation coverage is available and is underwritten based on history, staffing practices, and controls. Limits are selectable but subject to underwriting approval. Which states and paper types are supported?The program is available in most states (see territories above). Brown & Riding places business on admitted paper where practical and uses E&S capacity (United States Liability and Mount Vernon Fire for non-admitted) when admitted markets are not an option. What is the submission checklist and minimum premium?Typical submissions should include a completed application, current loss runs, staffing and screening policies, and a description of operations. The minimum premium is $450; final pricing depends on exposures and limits. Need help placing an account? Connect with a market specialist.

AIG Accident & Health's CosmediCareSM Program Brown & Riding offers access to the AIG Accident & Health CosmediCareSM Program, a specialized insurance solution designed to help address complications arising from elective cosmetic surgeries and medical spa procedures. This program is ideal for agents and brokers looking to protect their clients against unexpected medical costs associated with post-operative complications. Ideal Accounts and Coverage Appetite This program is crafted for individuals undergoing elective cosmetic or aesthetic medical procedures. It offers financial protection in case of post-surgical complications, helping clients mitigate out-of-pocket expenses that traditional health insurance may not cover. You may have clients such as: 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 structured into three tiers based on procedure type and associated 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 This program helps cover medical expenses resulting from complications such as infection, scarring, bleeding, or other adverse outcomes of elective cosmetic procedures. It is not a replacement for health insurance but a valuable supplement that helps reduce financial exposure for clients seeking aesthetic enhancements. Underwriting and Premiums Minimum premiums vary depending on the procedure tier and underwriting factors. Coverage is underwritten by AIG, providing the strength and reliability of a nationally recognized carrier. Brown & Riding, a leading general agency and E&S broker, facilitates access to this program and assists with submission and placement. Territories and Availability This 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. Partner With Brown & Riding Brown & Riding is a trusted wholesale partner with deep expertise in specialized healthcare and accident & health products. With access to AIG’s CosmediCareSM Program, our team offers streamlined underwriting support and responsive service to help you place business effectively. 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 wide range of cosmetic procedures, including Botox, facelifts, breast augmentations, liposuction, and more. Procedures are categorized into three tiers based on 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 specific state eligibility. Who underwrites the CosmediCareSM Program?The coverage is underwritten by AIG, a leading global insurance carrier with strong financial ratings and experience in accident and health insurance. How can I submit a risk to this program?You can contact Jeffrey Jarboe at Brown & Riding to discuss submission guidelines and get assistance with placing your client’s coverage. Need help placing an account? Connect with a market specialist.

FLSA (Fair Labor Standards Act) Wage and Hour Sub Limit Brown & Riding provides access to multiple markets that can include an FLSA (Fair Labor Standards Act) Wage and Hour sublimit endorsement as part of an Employment Practices Liability (EPL) policy. This enhancement helps protect your clients from wage-and-hour exposure arising from alleged FLSA violations—examples include unpaid overtime, improper overtime calculations, or misclassification of employees. Ideal Accounts and Appetite This program targets businesses with meaningful wage-and-hour risk—especially those with large hourly workforces, multiple locations, or complicated payroll practices. Preferred industries include hospitality and restaurants, retail, healthcare, manufacturing, distribution and logistics, and other sectors with high turnover or mix of exempt and non-exempt staff. Typical fits: multi-unit restaurant groups, regional distribution warehouses, retail chains, and healthcare facilities with substantial hourly staff. Each account is evaluated individually based on location, operations, payroll complexity, prior wage-and-hour history, and existing risk controls. Coverage Highlights and Advantages - FLSA Wage and Hour sublimits available up to $250,000, subject to carrier and underwriting approval - Offered as an endorsement alongside EPL coverage - Access to multiple carriers through Brown & Riding’s wholesale and E&S relationships - Option to submit using your client’s existing EPL application or Brown & Riding’s streamlined short-form for faster review Underwriting Notes and Minimum Premiums Sublimit availability and limits vary by carrier and depend on underwriting factors. Minimum premium for adding this sublimit starts at $900. Underwriters will consider industry, payroll size, employee mix, claims history, and the insured’s payroll controls and policies. Territories and Availability Brown & Riding places this coverage in most states. Available states include: AL, AK, AR, CO, CT, DE, HI, ID, IN, IA, KS, KY, LA, ME, MD, MA, 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. Note that carrier appetite and state-specific restrictions may apply in certain jurisdictions. Why Work With Brown & Riding Brown & Riding is a seasoned general agency and E&S broker with experience placing complex EPL and wage-and-hour risk. We combine broad market access with responsive underwriting and practical placement options so you can secure tailored terms for clients with elevated FLSA exposure. To submit an account or discuss eligibility, contact Lisa Rodriguez at (206) 816-6725 or [email protected]. Frequently Asked Questions What types of accounts are a good fit for this program?Businesses with hourly employees, large workforces, or high turnover—such as restaurants, retailers, distributors, and healthcare facilities—are ideal candidates. Can I submit an existing EPL application for this coverage?Yes. Brown & Riding can use your client’s completed EPL application or provide a short-form application for convenience and faster turnaround. What is the highest available sublimit for FLSA Wage and Hour coverage?The maximum sublimit offered is typically $250,000, depending on the carrier and underwriting review. Is this coverage available in my state?This program is available in most states. Brown & Riding places business in 48 states and the District of Columbia, but availability and terms vary by carrier and jurisdiction. What factors influence underwriting approval?Underwriters focus on industry, location, size and makeup of the workforce, payroll practices, prior wage-and-hour claims, and the insured’s risk management controls. Need help placing an account? Connect with a market specialist.

Brown & Riding offers a competitive and flexible Apartment Building Insurance program designed specifically for surplus lines placements. As a trusted general agency and excess & surplus lines broker, Brown & Riding provides access to A-rated carriers and delivers some of the most competitive coverage solutions available in the E&S marketplace. Ideal Accounts and Appetite Apartment buildings and complexes with up to 1,000 units and multiple locations Student housing and subsidized housing placements Properties with amenities such as pools, playgrounds, and recreational areas Accounts requiring Assault & Battery coverage Locations needing Hired & Non-Owned Auto Liability Older or historic buildings that still meet underwriting standards Ineligible Risks Adult foster care or assisted living facilities Properties with armed security personnel Buildings with less than 75% annual occupancy Pools equipped with diving boards Coverage Highlights and Advantages Access to A-rated surplus lines carriers Highly competitive pricing and terms Quick quote turnaround when ACORD and supplemental apps are completed Special form and replacement cost coverage available Monoline coverage options available for flexibility Excess limits offered for larger or more complex risks Underwriting Notes and Minimum Premiums Minimum premiums start at $500 for General Liability and $1,250 for Package policies. Risks must meet basic eligibility criteria, including occupancy thresholds and acceptable property conditions. Older buildings can be considered with proper maintenance and updates. Territories and Availability This program is available on a non-admitted basis across a wide footprint, including AL, 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, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, and WY. Why Work With Brown & Riding Brown & Riding is a nationally recognized wholesale brokerage known for its deep expertise in niche property and casualty placements. Their Apartment Building Insurance program stands out for its broad eligibility, flexible coverage options, and fast, reliable service. Whether you're placing a student housing complex near a university or a subsidized housing facility with multiple locations, Brown & Riding can help you secure the right solution with confidence. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include multi-location apartment complexes, student housing, subsidized housing, and properties with amenities like pools or playgrounds. Are older apartment buildings eligible for coverage?Yes, older properties are eligible as long as they meet underwriting standards and are properly maintained. Is monoline coverage available?Yes, monoline options are available, providing flexibility for agents who need to write either property or liability on a standalone basis. What is the turnaround time for quotes?Quotes can be turned around quickly when both ACORD and supplemental applications are fully completed and submitted. Can I place risks in all states?The program is available in most states on a non-admitted basis, including over 45 states and Washington, D.C. Need help placing an account? Connect with a market specialist.

Quick Quote Non Profit D&O (NFP D&O) Brown & Riding offers a fast and efficient solution for agents and brokers placing Non-Profit Directors & Officers (D&O) Liability coverage. Our Quick Quote Non-Profit D&O program is designed for speed, simplicity, and flexibility—providing fast turnaround on quotes and minimal underwriting requirements to get your clients covered quickly. Overview of the Program From Brown & Riding This program is tailored specifically for non-profit organizations in need of Directors & Officers liability insurance. We know that non-profits often operate on limited resources, so we've streamlined the quoting process to keep it fast and agent-friendly. Using our online submission form, you can receive a preliminary quote within 4 business hours (subject to no prior coverage or open claims). A full application is required prior to binding. Ideal Accounts and Appetite Our program is available for most non-profit classes and in most states. We have no employee count threshold, making it suitable for small to mid-sized non-profits. Some examples of accounts that typically fit include: Charitable organizations Community outreach groups Educational foundations Arts and cultural non-profits Advocacy and public service organizations Multiple submissions are welcome, and we encourage agents to send in a range of eligible non-profit accounts. Coverage Highlights and Advantages Quick quote turnaround—within 4 business hours of submission Streamlined online submission process Only 7 initial questions required to get started Available for most non-profit classes No employee minimums—small non-profits are welcome This program helps protect board members, officers, and the organization itself from claims related to mismanagement, fiduciary duties, and other leadership decisions. Underwriting Notes and Minimum Premium To receive a quick quote, only 7 questions need to be answered in the online form. A full application is required before binding. Quotes are subject to no prior D&O coverage or pending/open claims. The minimum premium for this program starts at $500, making it a cost-effective option for many non-profits. Territories and Availability The Quick Quote Non-Profit D&O program is available in most states, including but not limited to: AL, AK, AR, CO, CT, DE, HI, ID, IN, IA, KS, KY, LA, ME, MD, MA, 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. Why Work With Brown & Riding? Brown & Riding is a trusted general agency and excess & surplus lines broker with access to numerous carrier markets. Our dedicated team provides fast, responsive service and understands the unique needs of non-profit organizations. We’re here to support agents and brokers with efficient tools and industry expertise to help you close more business with confidence. Submit online today using our quick quote form: http://www.brownandriding.com/nfp-quick-quote/ For questions or assistance, contact Lisa Rodriguez at (206) 816-6725 or [email protected]. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for most non-profit organizations, including charities, foundations, community outreach programs, and advocacy groups. How fast can I get a quote?Quotes are typically returned within 4 business hours of submission, provided there is no prior coverage or open claims. What information is required to get started?Only 7 initial questions need to be answered in the online form to receive a quick quote. A full application is required before binding. Are there any restrictions on the number of employees?No, there is no employee threshold. We accept submissions from non-profits of all sizes. Is this program available in my state?The program is available in most U.S. states. Check with Brown & Riding for specific state availability if needed. Need help placing an account? Connect with a market specialist.

Quick Quote Employment Practices Liability (EPL) Get fast, reliable Employment Practices Liability (EPL) quotes with minimal effort. Brown & Riding offers a streamlined solution for Employment Practices Liability (EPL) coverage through our Quick Quote program. Designed for brokers and agents who need fast turnaround times and access to quality markets, this program delivers EPL quotes within just a few hours—subject to a completed application, no prior EPL coverage, and no open claims. Our quick quote intake form is available at http://www.brownandriding.com/epl-quick-quote/ and works for most classes of business in most states. Ideal Accounts and Appetite This program is suitable for a wide variety of businesses across numerous industries, provided they meet our eligibility criteria. Key requirements include: 100 or fewer full-time equivalent employees No prior EPL coverage or open EPL claims You might have a client such as a small manufacturing firm, restaurant chain, or professional services company that needs affordable, efficient EPL coverage with minimal underwriting friction. Coverage Highlights and Advantages Our Quick Quote EPL program offers: Access to up to 7 top-rated carriers for competitive terms Quote turnaround within 4 business hours Admitted terms available in many states Minimal underwriting requirements—just 4 questions to begin Carriers we work with include Darwin/Allied, Carolina Casualty/Admiral, USLI, Scottsdale, Westchester/Ace, Hartford, and Great American. Underwriting Notes and Minimum Premium This program is designed for new EPL placements and clean accounts. The minimum premium starts at $900, making it a cost-effective option for many small to midsize businesses. A completed application is required prior to binding. Territories and Availability The Quick Quote EPL program is available in most U.S. states, including AL, AK, AR, CO, CT, DE, HI, ID, IN, IA, KS, KY, LA, ME, MD, MA, 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. Why Work With Brown & Riding? Brown & Riding is a leading general agency and excess & surplus lines broker known for delivering specialty insurance solutions with speed and expertise. Our EPL Quick Quote program reflects our commitment to making your job easier—fast quotes, strong market access, and straightforward processes. Contact Lisa Rodriguez at (206) 816-6725 or [email protected] to get started. Frequently Asked Questions What types of accounts are a good fit for this program?Small to midsize businesses with 100 or fewer full-time equivalent employees and no prior EPL claims are ideal. This includes industries like retail, hospitality, professional services, and light manufacturing. How quickly can I get a quote?Quotes are typically delivered within 4 business hours after submission, assuming no prior coverage or claims and that all required information is provided. Is the coverage admitted or non-admitted?In many cases, we can offer admitted terms, depending on the state and carrier. We work with both admitted and non-admitted markets. What information is needed to start the quote process?You only need to answer four basic underwriting questions to begin. A full application will be required prior to binding. Which states is this program available in?The program is available in most U.S. states, including NY, TX, CA, FL, and many others. Contact us to confirm availability in your specific state. Need help placing an account? Connect with a market specialist.

Non Profit D&O (NFP D&O) Brown & Riding offers a dedicated Non Profit Directors & Officers (D&O) insurance program tailored to the unique needs of nonprofit organizations. With access to over 20 markets, we provide a wide range of options to help you place coverage efficiently and competitively. Whether your client is a small community nonprofit or a larger regional organization, we can help you find the right fit for their D&O exposure. We accept most standard applications or you can use our streamlined short-form Non Profit D&O application to speed up the process. Our goal is to make it easy for agents and brokers to quote and bind coverage with minimal friction. Ideal Accounts and Appetite Our program is designed for 501(c)(3) and other nonprofit entities, including community organizations, advocacy groups, educational foundations, arts and cultural institutions, and charitable service providers. We can accommodate both new ventures and established nonprofits with clean histories. You might have a client who runs a local youth sports league, a volunteer-based literacy organization, or a nonprofit healthcare outreach program—these are all strong fits for our program. Coverage Highlights and Advantages Our Non Profit D&O program includes flexible coverage options to protect boards and executives from claims related to governance, employment practices, and fiduciary responsibilities. Additional coverage options we pursue include: Additional Defense Costs outside the limits Volunteer coverage Third-Party Employment Practices Liability (EPL) We work closely with you to tailor the coverage to your client's risk profile and budget. Underwriting Notes and Minimum Premiums We offer competitive pricing with a minimum premium starting at $500. Submissions should include a completed application—either your client's form or our short-form application—to ensure a fast and accurate quote. Territories and Availability Coverage is available in most states, including but not limited to: AL, AK, AR, CO, CT, DE, HI, ID, IN, IA, KS, KY, LA, ME, MD, MA, 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. Most of our markets are available on an admitted basis in these states. Why Work With Brown & Riding? As a leading general agency and excess & surplus lines broker, Brown & Riding brings deep expertise in nonprofit risks and direct access to a wide array of carriers. Our experienced team makes the process smooth, responsive, and reliable. We strive to support your business with fast turnarounds and flexible underwriting. For questions or submissions, contact Lisa Rodriguez at (206) 816-6725 or via email at [email protected]. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for 501(c)(3) nonprofits such as community groups, educational organizations, arts and culture nonprofits, and charitable foundations. Can I submit my client’s existing D&O application?Yes, we accept most standard applications or you can use our short-form Non Profit D&O application to simplify the process. What additional coverages are available?We can pursue options such as Additional Defense Costs, volunteer coverage, and Third-Party Employment Practices Liability (EPL) depending on the risk profile. What is the minimum premium for this program?The minimum premium starts at $500, depending on underwriting details and coverage selections. In which states is this program available?This program is available in most states, including NY, CA, TX, FL, and many others. Most markets are on an admitted basis. Need help placing an account? Connect with a market specialist.

Brown & Riding offers a specialized Management Liability Insurance program designed to help agents and brokers place complex accounts confidently. Our team has deep expertise in this niche and leverages strong relationships with multiple markets to deliver tailored solutions with competitive pricing and coverage enhancements. Whether you're working with a private company, non-profit, or public entity, we can help you navigate the exposures and coverage options unique to each type of organization. Ideal Accounts and Appetite We welcome a broad range of accounts within the following categories: Private Companies: Standalone or package policies D&O, EPLI, fiduciary liability, crime, kidnap/ransom/extortion, and General Partnership Liability Side A DIC and Individual Directorship Liability options Excess or run-off coverage for D&O, EPLI, and fiduciary lines Workplace Violence Coverage Non-Profits: Small non-profits with under 100 employees Target classes include Chambers of Commerce, HOAs, and Condo Associations School Leaders E&O and Public Officials E&O Fast quote turnaround—often within 24 hours with multiple markets Public Companies: From Fortune 500 to micro-cap firms Support for new public offerings (IPOs) Detailed quote comparisons to help clients make informed decisions Example accounts might include a fast-growing private tech company concerned about board-level liability, a small local non-profit managing employee-related exposures, or a newly public company seeking Side A DIC coverage. If your client has a unique situation or emerging risk, we’re equipped to help. Coverage Highlights and Advantages Access to a wide range of carriers and market options Customizable coverage structures, including monoline or packaged Ability to negotiate enhancements based on account profile Support for emerging exposures and evolving risk environments Underwriting Notes and Minimum Premiums Minimum premiums vary based on coverage type and account size. We take a tailored underwriting approach, considering each account’s unique risk profile. Our volume and market leverage allow us to provide competitive options for complex or sensitive risks. Territories and Availability This program is available in AR, KS, LA, MO, OK, TN, and TX. We work with a variety of carriers, with most offerings written on a non-admitted basis. Why Work With Brown & Riding? As a leading general agency and E&S broker, Brown & Riding brings unmatched marketplace insight, underwriting expertise, and responsiveness to your management liability placements. Our team stays ahead of emerging coverage trends and regulatory changes, helping you protect your clients and close deals with confidence. Frequently Asked Questions What types of accounts are a good fit for this Management Liability Insurance program?This program is ideal for private companies, non-profits under 100 employees, and public companies—including those preparing for IPOs. Can I get monoline policies for just D&O or EPLI?Yes, we offer both monoline and package options depending on your client's needs. How quickly can I get a quote?For many non-profit accounts, quotes can be turned around within 24 hours. More complex accounts may require additional underwriting time. Are markets admitted or non-admitted?Most available markets are non-admitted, allowing for greater flexibility in coverage and pricing. In which states is this program available?This program is available in Arkansas, Kansas, Louisiana, Missouri, Oklahoma, Tennessee, and Texas. Need help placing an account? Connect with a market specialist.

E&S Coverage for Distressed Physicians Brown & Riding offers a specialized solution for physicians facing challenges securing standard medical malpractice insurance. Through our partnership with Professional Security Insurance Company (PSIC), a wholly-owned subsidiary of MagMutual Insurance Company, we provide Excess & Surplus (E&S) coverage tailored for distressed medical professionals. MagMutual, a physician-led carrier with over 30 years of experience, is the largest medical professional liability insurer in the Southeast. This program gives your hard-to-place clients access to robust coverage and claims support generally reserved for standard market risks. Ideal Accounts and Appetite: Physicians with prior claims or licensing issues Doctors transitioning from standard market coverage Part-time practitioners needing flexible options Ineligible risks include unlicensed physicians and full-time correctional facility physicians. Key Coverage Features: Free tail coverage at death, disability, or retirement if insured is age 55+ and with PSIC for 5+ years Non-admitted E&S lines coverage Incident-sensitive claims trigger Defense costs outside limits of liability Full prior acts coverage available Optional Enhancements Include: Sexual misconduct defense Punitive damages where insurable by law Medical director administrative coverage Full consent to settle provision Part-time practice coverage Underwriting and Minimum Premiums: Minimum premium starts at $5,000. Underwriting is flexible and designed to evaluate the complete story behind prior claims or licensing issues. You can expect thoughtful consideration of non-standard risks that standard carriers won’t entertain. Available States: Coverage is offered in Alabama, Arkansas, Florida, Georgia, Kentucky, Mississippi, North Carolina, South Carolina, Tennessee, and Virginia. Why Partner with Brown & Riding: As a leading general agency and E&S broker, Brown & Riding combines deep market relationships with responsive service. We work closely with agents and brokers to find viable solutions for distressed physician clients who otherwise struggle to secure coverage. Our access to PSIC and MagMutual allows us to deliver meaningful options for these challenging placements. For more information contact: Jeffrey Jarboe Principal, Senior Vice President, Broker Direct: 678.225.1381 Cell: 404.422.2483 Email: [email protected] Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for physicians with prior claims, licensing issues, or those who have difficulty obtaining standard malpractice insurance. It also suits part-time practitioners or those transitioning from standard markets. What states is this coverage available in?Coverage is available in AL, AR, FL, GA, KY, MS, NC, SC, TN, and VA. Is this an admitted or non-admitted product?This program is written on a non-admitted, excess and surplus lines basis through PSIC. What is the minimum premium for this coverage?The minimum premium for this program is $5,000, though actual pricing depends on risk characteristics and underwriting review. Can prior acts coverage be included?Yes, full prior acts coverage is available depending on underwriting approval. Need help placing an account? Connect with a market specialist.