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AIC has been a trusted provider to the real estate industry for over 30 years. With decades of dedicated focus and expertise, Apartment Insurance Consultants (AIC) has developed a strong niche within the multifamily housing sector. Our Exclusive Apartment Programs are tailored to meet the unique needs of property managers and owners of mid-sized to large apartment buildings. We understand the complex risks involved in managing residential rental properties and provide agents with the tools and coverage options necessary to protect their clients’ investments. Whether your client owns a newly developed property, an older apartment complex, or a portfolio of multifamily assets, we offer flexible and competitive solutions. We write business through: • Newly Created Programs • Our Own Proprietary Programs • Access to Other Specialized Programs • Open Market Placements for Advantageous Terms Ideal Accounts and Appetite Our Exclusive Apartment Programs are best suited for mid-sized to large apartment complexes located in urban, suburban, or high-demand markets. We work well with: Apartment portfolios with multiple locations Properties with 20+ units New construction or recently renovated buildings Owners and managers seeking comprehensive habitational coverage You might have a client expanding their portfolio in the Midwest or a management company overseeing multiple properties across the West Coast—both are excellent fits for our program. Coverage Highlights and Advantages Our programs offer robust coverage enhancements designed specifically for habitational risks: • Blanket Limits Per Location • Boiler and/or Machinery Equipment Breakdown • Replacement Cost Valuation • Backup of Sewers and Drains • 110% Margin Clause • Agreed Amount Endorsement • Terrorism Coverage • Building Ordinance or Law Compliance • No Coinsurance Clause • Extra Expense and Accounts Receivable • Actual Loss Sustained Rental Income (Time Element) • Preferred Pricing in West Coast and Midwest States These features help protect against common and complex exposures such as water damage, ordinance updates, and loss of rental income due to covered losses. Underwriting Notes and Submission Process Once you submit a complete application, our experienced underwriters move quickly to develop a competitive quote tailored to your client’s risk profile. *Please note: Turnaround time depends on the size, location, and complexity of each submission. We work with A-rated carriers on a non-admitted basis, giving us the flexibility to craft solutions outside the traditional admitted market when needed. Territories and Availability Our Exclusive Apartment Programs are available in the following states: AL, AZ, AR, CA, CO, CT, DE, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY Why Work With Apartment Insurance Consultants? AIC is a wholesale broker with a singular focus on the apartment industry. Our longevity in the space, combined with our exclusive programs and market access, gives agents a competitive edge. We bring national reach, underwriting expertise, and a responsive service team to every account. Let us help you find a custom solution that protects your client’s assets while providing competitive pricing and comprehensive coverage. Frequently Asked Questions What types of accounts are a good fit for this program?Our program is ideal for mid-sized to large apartment complexes, including portfolios and properties with 20 or more units. Is this program available in all states?No, but it is available in over 45 states including CA, TX, NY, IL, FL, and many others. Contact us for state-specific eligibility. What coverages are included in the Exclusive Apartment Program?Coverages may include General Liability, Excess Liability, Commercial Property, Equipment Breakdown, Replacement Cost, and more specialized enhancements. Are submissions handled quickly?Yes, once we receive a complete submission, our team begins the underwriting process immediately. Turnaround depends on the property's size and complexity. Can you assist with hard-to-place risks?Yes, we can access open market placements when it benefits your client and provide flexible solutions for complex or non-standard properties. Need help placing an account? Connect with a market specialist.

Policy Highlights: Auto body and paint shops require specialty insurance products, and Colonial General Insurance Agency, Inc. offers a targeted program designed for agents who place this business. Our underwriting team works with admitted and non-admitted markets to provide flexible solutions and competitive terms for shops that handle repair, refinishing, storage and towing exposures. Overview of the Program from Colonial General This program is available through Colonial General as a Managing General Agency and Excess & Surplus Lines broker. We place Commercial Garage and Property coverage for auto body and paint shops across select Western states. Carriers vary by risk and territory; Colonial General will work with you to find the best combination of limits, forms and premium for each account. Ideal Accounts and Appetite Independent auto body and paint shops performing collision repair, refinishing and mechanical work. Dealership rooftop body shops and multi-shop operators with consolidated limits. Shops that tow customer vehicles or provide in-transit services (towing exposures considered). Accounts with recognized loss control practices and either UL-approved paint booths or separated, explosion-proof painting areas. We typically decline or limit accounts that perform large-scale custom paint work on high-value or show vehicles due to the program’s Custom Paint Exclusion. High flammability exposures, uninsured storage yards, or shops with significant prior losses may require additional underwriting and higher retentions. Coverage Highlights and Advantages Commercial Garage Coverage available with limits up to $3,000,000 aggregate and Garage Liability limits up to $1,000,000 per accident. Medical Payments coverage (example limit: $5,000) and broadened coverage options to suit repair operations. Garage Keepers coverage on a primary basis with specified causes of loss available. Dealers Physical Damage, False Pretense, Fire Legal Liability and In-Transit coverage for towing operations. Property coverage options for buildings, business personal property and tools/equipment. Underwriting flexibility: we can consider risks without a UL-approved paint booth provided painting is done in a separate room/area with explosion-proof lighting and other accepted controls. Underwriting Notes and Minimum Premiums Colonial General underwriting evaluates each shop on operations, inventory values, paint booth design and loss history. Expect questions about: paint processes, booth certification, storage practices, employee training, and tow/in-transit procedures. Minimum premium and specific deductibles vary by carrier and state; Colonial General will quote required minimums once the submission is reviewed. Territories and Admitted Status Available in AZ, CA, CO, ID, NV, NM, UT and WY. Some coverages may be placed on admitted paper in certain states, while other accounts will be placed non-admitted/E&S depending on the carrier and the exposure — Colonial General will advise on paper availability when you submit. Why Work with Colonial General on Auto Body & Paint Shop Business Program expertise: focused appetite for garage operations and paint shops backed by experienced underwriters. Market access: multiple carrier relationships to place admitted and non-admitted business. Practical underwriting: realistic consideration of paint booth variances when controls are in place. Efficient submission handling: clear requirements and timely quotes for agents placing garage risks. Example Scenarios You might have a neighborhood collision shop that wants primary Garage Keepers and in-transit coverage for its towing operations — Colonial General can assemble a combined garage package on admitted or E&S paper depending on state. Or you might place a larger dealer body shop that needs higher aggregate limits and Dealers Physical Damage — our access to multiple markets helps secure appropriate limits. Frequently Asked Questions What types of auto body shops does this program prefer?We prefer collision repair and refinishing shops with standard mechanical repair work, documented loss control, and either UL-approved booths or separate painting areas with explosion-proof lighting. High-end custom paint shops are subject to exclusions or higher underwriting scrutiny. Is Garage Keepers coverage available on a primary basis?Yes. Garage Keepers on a primary basis is available with specified causes of loss. Limits and form details vary by carrier; Colonial General will outline options on the quote. What are the paint booth requirements?UL-approved paint booths are preferred. If a shop does not have a UL-approved booth, we may still consider the risk if painting is done in a separate room or area with explosion-proof lights and acceptable controls documented. Which states and admitted status are supported?This program writes in AZ, CA, CO, ID, NV, NM, UT and WY. Some coverages are available admitted in select states while other placements will be non-admitted/E&S; Colonial General will advise based on the specific risk and location. What documentation is helpful with a submission?Provide ACORD applications, current loss runs (prefer last 3–5 years), description of operations, paint booth certification or controls, tow/in-transit procedures, and property values. Those items speed underwriting and help produce accurate quotes. Need help placing an account? Connect with a market specialist.

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...fice Buildings / Mercantile / Warehouses General Liability written along...tile with residential units, and warehouses with habitational exposures are ty...

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There are many different types of Common Interest Developments (CIDs) — homeowners associations (HOAs), condominium complexes, townhome communities, and Planned Unit Developments (PUDs). What they share is the need for specialized insurance that protects shared property, elected boards, managers, and volunteers while matching each association’s governance and operations. MGAlive offers a focused Common Interest Development Insurance Program built for agents and brokers who place HOA, condo, townhome, and PUD accounts. As a Program Administrator with access to multiple national carriers, MGAlive provides flexible placement options for both standard and non-standard exposures, faster turnaround through automated programs, and underwriting that understands community associations. Ideal Accounts and Appetite This program is a fit for community associations of many sizes and operating models, including: Homeowners Associations (HOAs) Condominium complexes Townhome communities Residential Planned Unit Developments (PUDs) MGAlive accommodates associations that are entirely volunteer-run as well as those that employ maintenance or administrative staff. Whether the client has no payroll, a small on-site crew, or multiple service contractors, the program can address core Workers’ Compensation and community liability needs. We also offer non-standard general liability markets for common association vendors and contractors — artisan contractors, janitorial services, garage keepers, in-home businesses, and handymen — which is useful when an association hires or contracts out maintenance and operations. Coverage Highlights and Advantages Key components of the CID Insurance Program include: "If-Any" Workers’ Compensation coverage for HOAs and condominiums with no payroll Standard Workers’ Compensation for associations with payroll Board member and volunteer liability protection at no additional cost Access to national markets for major lines including: Property General Liability Directors & Officers (D&O) Crime Umbrella Difference in Conditions (DIC) including earthquake and flood Underwriting Notes and Minimum Premiums Underwriting is guided by payroll, property values, claims history, and vendor exposures. For Workers’ Compensation, the program requires a minimum premium of $1,000 based on total payroll. Note that Workers’ Compensation is not available through this program in monopolistic states (North Dakota, Ohio, Washington, Wyoming); other lines of coverage may still be placed depending on market availability in those states. Territories and Availability This program is available in most states, including AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WI, WV, and DC. Availability may vary by line; contact MGAlive to confirm which coverages are available for a particular state or account. Why Work With MGAlive? MGAlive is a commercial insurance wholesaler and program administrator built by retailers for retailers. We specialize in HOA, condo, and PUD insurance and understand the urgency and complexity of placing community association risks. With multiple national markets and 14 fully automated online programs, MGAlive helps agents speed up turnaround times and simplify quoting and placement. We combine underwriting that’s experienced with community association operations, flexible options for volunteer-run or staffed associations, and access to non-standard general liability markets for vendor exposures. That combination makes it easier for you to place accounts that might otherwise be difficult to bind quickly. Example Accounts You have a volunteer-run HOA with common-area landscaping and a small reserves budget — place "If-Any" Workers’ Compensation to protect board members and volunteers while arranging property and liability limits appropriate for common areas. You work with a multi-building condominium association that employs maintenance staff and uses multiple outside contractors — place standard Workers’ Compensation, property, D&O, and vendor liability through MGAlive’s market access to create a cohesive program. Visit our company profile or learn more about this program. Frequently Asked Questions What types of accounts are a good fit for this program?HOAs, condominium complexes, townhome communities, and residential PUDs—especially those needing Workers’ Compensation or community-wide liability coverage—are ideal candidates. Can I place coverage for an HOA that doesn’t have any employees?Yes. Our program offers "If-Any" Workers’ Compensation for HOAs and condos with no payroll, and it includes protection for board members and volunteers at no extra cost. Are non-standard risks acceptable?Yes. We have market access for non-standard general liability risks such as artisan contractors, janitorial services, in-home businesses, and handymen—useful when associations hire outside help. Is this program available in my state?The program is available in most states. Workers’ Compensation is not available in monopolistic WC states (ND, OH, WA, WY); contact MGAlive to confirm availability for specific lines in your state. What is the minimum premium requirement?For Workers’ Compensation, the CID’s payroll must generate a minimum premium of $1,000. Minimums for other coverages vary by exposure and carrier. Need help placing an account? Connect with a market specialist.

AFC Insurance Inc. offers a focused Assisted Living (Property and Auto) Insurance program tailored for licensed Assisted Living Facilities. These operations serve elderly or developmentally disabled residents and typically provide housing, personal care, meals, and limited medical support. AFC’s program concentrates on the core property and automobile exposures these facilities face, giving agents a reliable admitted market for this niche sector in most states. Ideal Accounts and Appetite This program targets licensed and regulated assisted living facilities that provide residential care in a group setting. Ideal risks include locations that own or lease vehicles used for resident transport (appointments, errands, community outings) and facilities with on-site property exposures. Privately owned assisted living homes with multiple residents Mid-sized residential care facilities offering daily resident transportation Facilities in suburban or rural settings with on-premise property and vehicle needs Accounts that need General Liability or Professional Liability coverage are outside the scope of this program and must be placed with separate solutions. Example account scenarios: A single-location, privately owned 15-bed assisted living home that operates one 12-passenger van for resident transport. A mid-sized suburban facility with 30–50 residents, two staff-run passenger vans, and on-site communal dining and activity spaces. Coverage Highlights and Advantages The program provides two essential lines of coverage that address the most frequent exposures for assisted living operations: Property Coverage: Protects the facility structure and contents, including resident areas, offices, common rooms, and equipment. Automobile Coverage: Insures company-owned or leased vehicles used to transport residents, staff, or supplies, including passenger exposure. Writing primarily on an admitted basis in most available states, AFC places business with carriers selected to match the individual risk profile. This focused offering helps agents cover the facility’s physical assets and transportation exposures without bundling unrelated liability lines into the same program. Underwriting Notes and Minimum Premiums Underwriting is risk-specific. AFC evaluates each submission to align the account with the appropriate market. Minimum premiums vary by facility size, building values, and number/type of vehicles. To streamline placement, be prepared to provide: Facility details: licensed occupancy, building construction, year built, fire protection, and estimated values Operations: number of residents, on-site services, staffing levels, and transportation routines Vehicle information: year/make/model, seating capacity, ownership (owned/leased), driver qualifications, and usage Agents should expect case-by-case review; unusual exposures (extensive medical services, high-hazard operations, or large-scale fleet needs) may require alternate markets or supplemental liability placements. Territories and Availability The program is available in most U.S. states — accessible in over 45 states, including CA, FL, TX, NY, IL, and PA — with admitted placement in most jurisdictions. AFC accepts submissions from urban, suburban, and rural regions and works to match accounts to carriers that participate in each territory. Why Work With AFC Insurance Inc.? As a program administrator experienced in the senior care sector, AFC Insurance Inc. brings targeted underwriting and market access for assisted living property and auto exposures. Agents benefit from: Niche underwriting focused on assisted living property and transportation risks Admitted paper in most states for smoother policyholder servicing and regulatory compliance Flexible placement for single-location and growing operations with vehicles Responsive submission review to align accounts with appropriate carriers Whether you represent a small privately owned home or a mid-sized facility with resident transport needs, AFC can help you secure property and auto coverage tailored to this niche segment. Frequently Asked Questions What types of accounts are a good fit for this program?Privately owned or mid-sized assisted living facilities that need property and auto coverage are a strong match. Facilities that own or operate vehicles for resident transport are ideal. Does this program include General Liability or Professional Liability coverage?No. This program is limited to Property and Auto coverage. General Liability and Professional Liability are not included and must be placed separately. Is this an admitted program?Yes. The program is written on an admitted basis in most available states, though final carrier selection depends on the specific risk and location. What is the minimum premium for this program?Minimum premiums vary based on facility size, property values, and number of vehicles. Submissions are reviewed on a case-by-case basis. In which states is this program available?This program is available in over 45 states, including CA, FL, TX, IL, NY, and more. Contact AFC for availability in a specific state. Need help placing an account? Connect with a market specialist.

...ical groups, broadcasters, rental houses and event coordinators who rent or ow...

The Safehold Special Risk Veterinary & Animal Services Insurance program helps agents and brokers place coverage for a wide range of animal-related businesses. Since 1965, Safehold has delivered tailored insurance solutions for veterinary practices, pet service providers, and animal welfare organizations. This proprietary program is managed by a licensed veterinarian, giving Safehold a deep understanding of the exposures and operational needs of animal-care professionals. Whether you represent a solo mobile veterinarian or a national network of 24-hour emergency clinics, Safehold offers flexible, practice-focused options. The program is available in most states and is supported by a dedicated claims and risk control team experienced in veterinary operations. Target Classes This program is ideal for: Single-location and multi-location veterinary practices Large animal, equine, and household pet veterinary operations Specialty and emergency veterinary hospitals Mobile veterinary practices Veterinary behaviorists Pet lodging and daycare facilities Pet groomers and trainers Humane Societies, SPCA’s, and animal shelters with veterinary or kennel exposures If you have a client running a mobile unit with customized vehicles, or a nonprofit shelter that operates both veterinary and boarding services, this program can provide protections that are difficult to find elsewhere. Coverage Highlights Safehold’s Veterinary & Animal Services Insurance program offers comprehensive, practice-tailored coverages designed for the unique risks of animal-care businesses: Business Owners’ Policy (BOP): Property, general liability, business interruption, employee dishonesty, and animal damage to property. Professional Liability: Included for veterinarians, technicians, interns, groomers, volunteers, and other staff. Features: No “hammer” clause Consent-to-settle provision Access to expert witness support Coverage across the US (including territories), Puerto Rico, and Canada License Defense: Up to $100,000 annually for legal and expert support. Animal Bailee: Covers injury, death, or escape of animals in care — including transit — with no per-animal sublimit. Limits start at $50,000 with higher options available. Additional Coverage Options Workers’ Compensation: Includes post-exposure rabies treatment and can extend to volunteers in veterinary hospitals. Business Auto: Enhancements and specialized limits for mobile veterinary vehicles. Umbrella Liability and Employment Practices Liability Directors & Officers Liability and Cyber Liability Natural Disaster Protection: Flood, earthquake, landslide Builder’s Risk and Special Events Liability Underwriting Notes and Minimum Premiums Underwriting is account-specific. Safehold’s underwriters work with agents to structure the right combination of coverages and limits for each account. Minimum premiums vary by line of business and selected coverage; speak with underwriting for program-specific minimums and appetite guidance. Appetite and Typical Restrictions The program favors veterinary-focused operations and animal service providers that maintain standard protocols for patient handling, controlled environments for kennels/boarding, and documented training programs for staff. High-hazard operations involving unproven exotic species, large-scale animal rescue without formal intake/medical protocols, or accounts with significant prior loss activity may require additional review or be outside appetite. Territories and Availability This program is available in most states, including AL, AZ, AR, CA, CO, CT, DE, FL, GA, 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, and WY. Most coverages are written on an admitted basis. Why Work With Safehold Special Risk? Safehold combines decades of underwriting experience with veterinary-led program management. Their team understands the daily exposures of clinics, mobile units, and shelters and provides practical loss-control resources such as monthly staff safety materials and onsite surveys. Claims are handled by personnel familiar with veterinary operations, improving responsiveness and resolution. Example placements you might submit: a two-doctor mixed animal practice seeking combined BOP and professional liability with animal bailee limits for a small boarding operation; or a mobile veterinary service needing business auto enhancements and professional liability for technicians and the supervising veterinarian. To learn more or discuss a specific account, visit the Safehold Special Risk company profile or go directly to the Veterinary Services Insurance program page. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for veterinary clinics, mobile veterinary services, pet groomers, boarding and daycare facilities, and nonprofit animal shelters with veterinary or kennel operations. Is professional liability coverage included for non-veterinarian staff?Yes. The program includes professional liability coverage for veterinary technicians, interns, externs, groomers, trainers, and volunteers. Are mobile veterinary units insurable under this program?Yes. Special business auto coverage extensions are available for vehicles modified for mobile veterinary services. Can this program provide coverage for nonprofit animal shelters?Yes. Humane Societies, SPCA’s, and similar organizations with veterinary or kennel exposures are within the program’s appetite. What is the geographic coverage area for this program?The program is available in most states and provides coverage across the US, including territories, as well as Puerto Rico and Canada. Need help placing an account? Connect with a market specialist.