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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.

Overview Brown & Riding offers a flexible Special Events Insurance program designed for one-day, multi-day, or annual event exposures. Policies are available through excess & surplus markets and are intended for events with up to 10,000 attendees or up to 10,000 alcohol consumers per day. This program pairs broad general liability and liquor liability capacity with quick turnaround for bound business when completed Special Event and Liquor Supplemental applications are provided. Eligible exposures Brown & Riding underwrites over 100 classes of special events. Common and well-suited account types include: Beer gardens / beer tents and alcohol-served events Conventions and trade shows Motor vehicle events and tournaments Concerts, music performances, and festivals Parades, rodeos, and sporting events Fundraisers, parties, auctions, arts & crafts fairs, and shows Event cancellation protection (permitted on a case-by-case basis) Ineligible risks (typical) The program declines high risk attractions and activities, including: Political conventions Parachute jumping White water or wind surfing Pyrotechnics or fireworks displays Coverage highlights & advantages Key features of this Special Events Insurance program: General Liability and Liquor Liability capacity up to $3,000,000 (limits influenced by attendee counts and state) Access to A-rated carriers through Brown & Riding’s market relationships Quick quote turnaround when the completed Special Event and Liquor Supplemental applications are provided Optional extra days for set up and take down Underwriting notes & minimums Underwriters will consider attendee counts, alcohol service, venue type (indoor vs. outdoor), security plans, traffic/control measures, and vendor contracts. Completed supplemental applications reduce turnaround time. This program is placed through excess & surplus lines; Brown & Riding operates as a general agency and E&S broker for these accounts. Minimum premium: $350. Territories and availability Available in the following jurisdictions: AL, AK, AZ, AR, CA, CO, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, MD, MI, MN, MS, MO, MT, NE, NV, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WI, WY. Coverage availability and terms can vary by state and by carrier. Why place events with Brown & Riding Brown & Riding combines specialized event underwriting expertise with access to multiple A-rated E&S markets. The program is geared toward agents who need fast responses, flexible options for liquor exposures, and capacity for larger attendee counts. You’ll find competitive limits for both general and liquor liability and practical options for event setup/takedown days. Example accounts A county music festival seeking $2M general liability and liquor liability for weekend operations with on-site beer tents and security plans. A nonprofit gala with a wine/beer bar requesting a one-day liquor liability policy and extra hours for vendor load-in and load-out. Contact Brown & Riding through CompleteMarkets for quotes and submission requirements for Special Events Insurance. Frequently Asked Questions What types of events are the best fit for this program?The program fits a wide range of public and private events: festivals, concerts, trade shows, fundraisers, beer gardens, sporting events, parades, and similar gatherings—especially when there is alcohol service and attendance is below the program’s attendee thresholds. How does the program handle liquor liability?Liquor liability capacity is available up to $3,000,000 each common cause / $3,000,000 aggregate depending on the number of alcohol consumers and the state. A completed Liquor Supplemental application is required for prompt consideration. What are the common submission requirements?Underwriters typically request a completed Special Event application, Liquor Supplemental (if alcohol is served), expected attendance, security and medical plans, vendor contracts, and details on set up/take down. Providing these up front speeds quoting. Is this program admitted or non-admitted?This Special Events program is placed through excess & surplus lines markets via Brown & Riding as a general agency and E&S broker. Availability and specific forms depend on the state and carrier. 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.

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.

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