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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.

Quick Quote Non Profit D&O (NFP D&O) Brown & Riding provides a fast, agent-friendly solution for placing Directors & Officers (D&O) liability coverage for non-profit organizations. The Quick Quote Non-Profit D&O program is designed for speed, simplicity, and flexibility—delivering rapid preliminary quotes with minimal initial underwriting so you can move clients toward coverage quickly. Overview of the Program From Brown & Riding This program is tailored specifically for non-profit organizations seeking D&O protection. Using Brown & Riding’s online quick-quote form you can receive a preliminary quote within 4 business hours, provided there is no prior D&O coverage or open/pending claims. Only seven initial questions are required to get started; a full application is required prior to binding. Ideal Accounts and Appetite The program is suitable for most non-profit classes and is available in the majority of states. There is no employee-count minimum, so small and mid-sized non-profits are welcome. Typical account types that fit include: Charitable organizations Community outreach groups Educational foundations Arts and cultural non-profits Advocacy and public service organizations Example scenarios: you might have a small community arts nonprofit with a volunteer board that needs cost-effective D&O limits, or a mid-size education foundation seeking quick placement while a full application is completed. Coverage Highlights and Advantages Preliminary quote turnaround—typically within 4 business hours Streamlined online submission with only seven initial questions Available for most non-profit classes and in most states No employee minimums—appropriate for very small organizations Designed to protect directors, officers and the organization for management, fiduciary, and employment-related exposures This program is intended to reduce friction on straightforward accounts while still offering access to appropriate markets for full placement once the application is complete. Underwriting Notes and Minimum Premium A quick quote requires answers to seven initial questions in the online form. Quotes are contingent on no prior D&O coverage and no pending/open claims. A complete application must be submitted and reviewed before binding. Minimum premium for the program starts at $500. Territories and Availability The Quick Quote Non-Profit D&O 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. Check with Brown & Riding for any state-specific considerations. Why Work With Brown & Riding? Brown & Riding is a respected general agency and excess & surplus lines broker with access to multiple carrier markets for non-profit D&O. Agents benefit from fast response times, a streamlined online quoting process, and underwriting that understands the budgetary and governance realities of non-profits. Our team supports you through quote, application and placement to help close business efficiently. 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?Preliminary quotes are typically returned within 4 business hours of submission, provided there is no prior D&O coverage or open claims. What information is required to get started?Only seven initial questions are required in the online quick-quote form to receive a preliminary quote. A full application is required before binding. Are there any restrictions on the number of employees?No—there is no employee threshold. The program accepts submissions from non-profits of all sizes. Is this program available in my state?The program is available in most U.S. states. Contact Brown & Riding for confirmation if you have a state-specific question. 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.

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.

Employment Practices Liability (EPL) for Companies Under 100 Full-Time Equivalent Employees Brown & Riding offers a targeted Employment Practices Liability (EPL) insurance solution designed specifically for companies with fewer than 100 full-time equivalent employees. With access to over 20 markets and a flexible underwriting approach, we help agents and brokers place EPL coverage for a wide range of private businesses across most states. Ideal Accounts and Appetite This program is ideal for small to mid-sized private companies that may not have dedicated HR or legal departments but still face significant exposure to employment-related risks. We are particularly interested in accounts from industries such as: Professional services Retail and hospitality Light manufacturing Healthcare practices Nonprofits and social services You might have a client who runs a regional retail chain or a growing tech startup—both could be strong fits for this program if they employ fewer than 100 full-time equivalent staff. Coverage Highlights and Advantages We can work with applications already completed by your insured or you can use our short-form EPL application to speed up the process. Our market access allows us to pursue valuable enhancements, including: FLSA (Fair Labor Standards Act) Sub-Limit options Additional Defense Cost coverage Third Party EPL coverage for claims involving customers, vendors, or other non-employees We aim to structure the coverage based on each insured’s specific exposures and risk tolerance. Underwriting Notes and Minimum Premiums This program typically starts at a minimum premium of $900, making it accessible for smaller organizations. Our underwriting team is flexible and responsive, and we can tailor quotes based on current underwriting trends and your client’s unique situation. Send completed applications or questions directly to Lisa Rodriguez at (206) 816-6725 or [email protected]. Territories and Availability We offer this EPL solution on a non-admitted basis in most states, including but not limited to: CA, TX, FL, NY, WA, NJ, and IL. The program is available in over 45 states and the District of Columbia, providing wide geographic access for your clients. Why Work With Brown & Riding As a nationally recognized general agency and E&S broker, Brown & Riding brings deep expertise and strong carrier relationships to help you navigate EPL placements with confidence. Our team understands the nuances of employment liability exposures and can facilitate coverage even for harder-to-place or niche businesses. Frequently Asked Questions What types of accounts are a good fit for this program?This program is best suited for private companies with under 100 full-time equivalent employees, including professional services firms, healthcare providers, nonprofits, and light manufacturing operations. Can I submit my client’s existing EPL application?Yes, we accept existing completed EPL applications or you can use our simplified short-form application to expedite processing. What coverage enhancements are available?Optional enhancements may include FLSA Sub-Limits, Additional Defense Costs, and Third Party EPL coverage, depending on underwriting approval. Is the program available in my state?The program is available in most states, including AL, CA, FL, NY, TX, WA, and many others. Contact us to confirm availability in your client’s state. What is the minimum premium for this EPL program?The minimum premium typically starts at $900, depending on the risk and selected coverages. 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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