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

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 Employment Practices Liability (EPL) Get fast, reliable Employment Practices Liability (EPL) quotes with minimal effort. Brown & Riding offers a streamlined EPL solution for agents and brokers through our Quick Quote program. Built for speed and market access, this program can deliver EPL indications within hours when the account meets basic eligibility: a completed intake, no prior EPL coverage, and no open EPL claims. Start the quick-quote process using our intake form at http://www.brownandriding.com/epl-quick-quote/. The form handles most classes of business in most states and gets you fast responses from competing markets. Ideal Accounts and Appetite This program is best for a wide range of small to midsize employers that meet our eligibility guidelines. Key requirements include: 100 or fewer full-time equivalent employees No prior EPL coverage and no open EPL claims Typical fits include small manufacturing operations, independent restaurant groups, retail locations, and professional services firms that need straightforward EPL protection without lengthy underwriting. Coverage Highlights and Advantages Quick Quote EPL gives you: Access to up to seven top-rated carriers for competitive terms Fast quote turnaround—typically within 4 business hours when the intake is complete Admitted terms available in many states (carrier-dependent) Minimal upfront underwriting—just four starter questions to get multiple indications Markets we panel include Darwin/Allied, Carolina Casualty/Admiral, USLI, Scottsdale, Westchester/Ace, Hartford, and Great American. Underwriting Notes and Minimum Premium This offering is targeted at new EPL placements with a clean claims history. The program’s minimum premium begins at $900. A full application is required before binding coverage. Territories and Availability The Quick Quote EPL program is available in most U.S. states. Representative states where we place business 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, and WY. Contact us to confirm availability and admitted options for your insured’s state. Why Work With Brown & Riding? Brown & Riding is a trusted general agency and excess & surplus lines broker with specialty expertise and broad carrier relationships. Our Quick Quote EPL program is designed to make placement easier for you: rapid responses, strong market access, and straightforward intake. To discuss an account or get started, contact Lisa Rodriguez at (206) 816-6725 or [email protected]. Frequently Asked Questions What types of accounts are a good fit for this program?Small to midsize employers with 100 or fewer full-time equivalent employees and no prior EPL claims are ideal. Fit examples include retail, hospitality, professional services, and light manufacturing businesses. How quickly can I get a quote?When the intake is complete and the account meets eligibility (no prior coverage or open claims), quotes are usually delivered within 4 business hours. Is the coverage admitted or non-admitted?We work with both admitted and non-admitted markets. In many cases admitted terms are available depending on the carrier and the insured’s state. What information is needed to start the quote process?You only need to answer four basic underwriting questions on the quick-quote intake to receive initial indications. A full application will be required before binding. Which states is this program available in?The program is available in most U.S. states. Contact us to confirm availability and admitted options for the specific state where your client is located. Need help placing an account? Connect with a market specialist.

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An insurance provider that is passionate about the industry in which we serve. Equisure, part of the Amwins Underwriting division, is a specialty program designed for animal clubs, associations and organizers of animal-related events. For more than 30 years Equisure has developed targeted products that address the unique exposures of clubs, breed registries, collegiate teams and show organizers. Agents can place a wide range of accounts through this program, supported by underwriting that understands animal-related operations and member-driven organizations. Overview of the Program From Amwins Underwriting This program offers straightforward, market-ready solutions for animal clubs, associations and sanctioned or non-sanctioned events. Coverage is built to protect organizers, volunteers and members from common liability risks that arise during competitions, shows, rallies and club-sponsored activities. Equisure’s appetite emphasizes practical, affordable coverages to keep members protected and events running smoothly. Ideal Accounts and Appetite Polo clubs and other mounted-sport groups Dog clubs (excluding protection-training focused clubs) Multi-state clubs that travel or compete in several jurisdictions Breed registries and associations providing member benefits Competitive trail riding groups and endurance events Collegiate riding and animal clubs Vaulting and English/Western shows (one-day or multi-day, sanctioned or non-sanctioned) Ineligible accounts typically include rescues and sanctuaries, wagering-based racing operations, dog clubs whose primary activity is protection training, and rodeo bull riding. If you are unsure whether a specific account fits, provide a summary of operations and event profiles when submitting. Coverage Highlights and Advantages General liability tailored for club and event exposures Optional professional liability where appropriate for instructors, judges or club-run services Medical payments coverage for on-site incidents Amwins Underwriting’s Equisure program emphasizes practical policy forms and limits that reflect the realities of volunteer-run organizations and temporary event exposures. The underwriting team is experienced with common risk controls for animal events and can provide guidance on risk transfer and certificate requirements for venues. Underwriting Notes and Minimum Premiums Underwriters look for clear event descriptions, typical participant counts, venue details, and any third-party vendor activities. Standard eligibility questions include whether events are sanctioned, whether animals are transported across state lines, and whether professional trainers or paid instructors are involved. The program’s stated minimum premium is $500; actual terms and premiums depend on exposure details, limits requested and loss history. Territories and Availability This non-admitted/surplus lines program is available in the following jurisdictions: 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. Note: Amwins positions this offering through Equisure as a specialty market—confirm surplus lines placement requirements in the insured’s home state as needed. Why Work With Amwins Underwriting on This Business Amwins Underwriting combines deep niche expertise with flexible underwriting for animal-related organizations. Agents benefit from a program that understands member-driven clubs, offers practical coverages, and has a track record of working with events and associations. Submissions that include clear activity descriptions, participant numbers and venue information will receive the most efficient review. Example scenarios You have a regional dog-breed club that runs two one-day shows per year and provides member benefits—this program can provide general liability and optional professional coverages for judges and trainers. A collegiate equestrian club that travels to sanctioned events in multiple states needs a single program to cover both practices and competitions—Equisure can underwrite multi-location exposures through this offering. Frequently Asked Questions What types of accounts are a good fit for the Equisure program?Clubs and associations focused on non-racing animal activities—polo clubs, dog breed clubs, collegiate groups, trail-riding and sanctioned or non-sanctioned shows—are ideal. The program is designed for member-based organizations and event organizers rather than rescues or wagering/racing operations. What coverages can I request through this program?Primary offerings include general liability and medical payments, with optional professional liability in many cases. Limits and coverage parts will depend on the account’s operations and the underwriting review. Is this program admitted in the states listed?The program is offered on a non-admitted (surplus lines) basis. Agents should follow surplus lines placement and disclosure requirements that apply in the insured’s home state. What information helps speed underwriting and placement?Provide a clear description of club activities and events, typical participant/attendance numbers, venue types, whether events are sanctioned, any paid instructors or vendors, and loss history. This information allows for a faster, more accurate quote and reduces follow-up requests. Need help placing an account? Connect with a market specialist.

...local produce, crafts, or includes rides and special attractions, fairs expose...t of Columbia. Can this program cover rides and fireworks?Yes. Contingent ride...