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...right coverage for an Independent School can be challenging. Your clients need... protections tailored to independent schools. Need help placing an account? ...

...This program is built for private schools and public/private colleges that fac...od fit for this program?Private K-12 schools, independent boarding schools, colleges, and vocational institu...

A Professional/General Liability Insurance Program Dedicated to the Equine Industry Available nationwide, Non-admitted, $750 minimum premium Overview — Amwins Underwriting: Equine (GL & PL) Amwins Underwriting (through its Equisure program) offers a specialist commercial general liability program with professional liability features for equine-related operations. Designed and underwritten by an experienced team with more than 30 years in the equine market, this product gives agents a market for boarding facilities, trainers, instructors, event organizers and other equine service providers that need liability protection on and off premises. Ideal Accounts and Appetite This program is aimed at a broad range of non-farm equine operations, including: Equine boarding facilities Equine instructors and trainers Trail riding operations Equine-assisted therapy programs Horse sales activities Homeowner associations (HOAs) with riding trails Pony ride operators The program is not designed for farm property/hobby farms or racing (wager) operations. Use this market when the client’s primary exposures are liability and professional services related to horse care, instruction, boarding, or managed riding activities rather than agricultural/farm property exposures or pari-mutuel racing. Coverage Highlights and Advantages Commercial general liability with professional liability — offered on an occurrence basis. Liability coverage applies both on-premises and off-premises for covered operations. Care, custody, and control limits included per horse and for non-owned property. Fire legal liability provided at no additional charge. Medical payments coverage available. Limited professional liability included in most policies to address instructor/trainer exposures. These features make the program a good fit for clients who need integrated GL and professional liability protection tailored to equine activities, with specific handling of care, custody and control exposures that often arise in boarding and training scenarios. Underwriting Notes and Minimums This is a non-admitted program offered through Amwins Underwriting. Minimum premium is $750. Underwriting considers the scope of services, loss history, supervision practices, facility condition, turnout/handling procedures, signage, and whether activities include youth programs or therapy sessions where additional precautions are required. Territories and Availability Available in: 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. Why Place Equine Business with Amwins Underwriting (Equisure) Niche underwriting expertise: Equisure’s long-standing focus on equine risks helps identify and price exposures specific to horse operations. Practical policy features: care/custody/control language and limited professional liability are built to address common agent concerns for trainers and boarding operations. Service-oriented: responsive submission review and experience handling equine claims and risk control discussions help move accounts efficiently. Example Accounts That Fit This Program A mid-sized boarding stable that provides basic training and lesson programs for adults and youth, with routine trail rides and occasional local shows. An equine-assisted therapy provider that operates on rented premises and needs liability coverage for on- and off-site sessions, plus coverage for non-owned client horses. How to Submit To place a submission or ask underwriting questions, send your materials to the Equisure team: Click here to send us a submission! Frequently Asked Questions What types of equine accounts are a good fit for this program?This program fits boarding facilities, instructors/trainers, trail riding operations, pony ride operators, horse sales activities, equine-assisted therapy programs, and HOAs with riding trails—basically commercial operations with liability and professional exposures rather than farm property/ranch risks. Is this an admitted program and what is the minimum premium?The Equine (GL & PL) program is offered on a non-admitted basis and carries a minimum premium of $750. Does the policy include care, custody, and control for horses?Yes. Care, custody, and control is included per horse and for non-owned property in the majority of policies, which addresses a primary exposure for boarding and training operations. Are racing operations eligible?No. Racing (wager) operations are excluded from consideration by this program. Where is the program available?The program is available in the states and territories listed on the storefront, including most U.S. states and DC. Confirm availability for a specific risk with underwriting before submitting. Need help placing an account? Connect with a market specialist.

...Liability in AK, CA, HI, and LA School Districts are ineligible Transit or...ty based on your client’s needs. Are school districts eligible under this program?No, school districts are not eligible for cov...

...ganizations — including parochial schools, daycares, cemeteries and community ...iliated ministries such as parochial schools, daycare programs, cemeteries and...

Apartment House Insurance Program from Cochrane & Company Cochrane & Company offers a comprehensive Apartment House Insurance program tailored for residential rental properties with five or more units. This includes apartment buildings, complexes, apartment hotels, and boarding or rooming houses. Designed for independent agents and brokers, this program helps you secure the right coverage for your clients in a specialized and competitive market. With backing from a specialty carrier rated A+ XV by A.M. Best, you can quote with confidence knowing your insureds are supported by a financially strong partner. Ideal Accounts and Appetite This program is ideal for habitational risks such as: Apartment buildings or complexes with 5+ units Apartment hotels and extended-stay lodging Boarding and rooming houses You might have a client who owns a 20-unit apartment building in Washington or a regional property manager with multiple complexes across Idaho and Oregon—this program is built to handle those scenarios and more. Coverage Highlights and Advantages Our Apartment House Insurance program offers robust coverage options to protect both property and liability exposures common to multi-unit residential operations. Coverage Features: Apartment House Insurance Primary General Liability limits up to $3 million occurrence/aggregate $5,000 Medical Payments Coverage – included Additional Interests – included at no charge Hired and Non-owned Auto coverage Excess or Umbrella limits available up to $25 million Available Property Coverages: Building Business Personal Property Business Income Basic, Broad, or Special Form Replacement Cost or Actual Cash Value Inland Marine Equipment Breakdown Accounts Receivable Computer Equipment Outside Signs Valuable Papers Crime: Coverage available both inside and outside the premises. Underwriting Notes and Minimum Premiums The program is written on a non-admitted basis, offering flexibility in underwriting and customized solutions for unique habitational risks. Carriers vary depending on risk characteristics. Minimum premiums also vary by account size and location. Submissions with complete property information and loss histories are encouraged to streamline the underwriting process. Territories and Availability This program is available in the following states: Alaska, California, Idaho, Montana, Nevada, New Mexico, North Dakota, Oregon, Washington, and Wyoming. Why Work With Cochrane & Company? As a trusted Managing General Agency with deep experience in habitational risks, Cochrane & Company provides fast, knowledgeable service and access to strong specialty markets. With underwriting expertise and tailored solutions, we help agents like you win and retain business in the apartment and multifamily property space. For more information on our Apartment House Insurance program, please contact us! Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include apartment buildings or complexes with five or more units, apartment hotels, and boarding or rooming houses located in our available states. Is this program admitted or non-admitted?This is a non-admitted program, allowing for flexible underwriting and broader risk appetite for habitational exposures. What states is the program available in?The program is offered in AK, CA, ID, MT, NV, NM, ND, OR, WA, and WY. What coverages are included in the standard offering?Standard coverage includes general liability with limits up to $3 million, $5,000 medical payments, additional interests at no charge, and optional umbrella/excess limits up to $25 million. Property coverages are also available. How do I get a quote or submit an account?Submit complete applications with property details and loss history directly to Cochrane & Company. Contact their underwriting team for submission guidelines. Need help placing an account? Connect with a market specialist.

Animal Handlers Insurance Insurance Program Managers Group (IPMG) offers markets for properly licensed private-practice facilities that specialize in the handling and care of domestic animals. This program is designed for non-veterinary operations that provide routine animal services, including: Pet grooming, pet sitting, dog walking, and boarding Training services — obedience, service/seeing-eye, personal assistance animal training, etc. Dispensing medication strictly per the owner’s written instructions Any establishment whose operations are primarily engaged in the treatment or diagnosis of animals (veterinary practices) should be submitted to veterinary-specific markets; those risks are excluded from this program. Overview of the Program from IPMG IPMG places Animal Handlers accounts with A-rated carriers on predominantly non-admitted paper, with admitted paper available in select states. Coverage options include commercial general liability and property, along with a specialized Animal Handlers Professional Liability endorsement to address exposures unique to animal care and handling. Ideal Accounts and Appetite Good fits for this program include small to mid-size, properly licensed businesses such as: Independent grooming salons and mobile groomers (no surgical or medical procedures) Professional pet sitters and dog walkers Boarding facilities that do not perform veterinary treatment Professional trainers providing obedience and assistance-animal training (non-medical) Typical restrictions: operations that diagnose or treat animals, perform surgeries, or operate as a veterinary clinic should be placed elsewhere. High-risk boarding with uncontrolled pack play, dogfight involvement, or unlicensed breeding operations are generally not eligible. Coverage Highlights and Advantages Commercial General Liability and Property coverages available Animal Handlers Professional Liability endorsement to address handling-related claims Placement with A-rated markets for stability and claims handling Flexibility for a range of routine animal-care businesses when properly licensed Underwriting Notes and Minimum Premiums Underwriting focuses on licensing, operational controls, staff training, animal temperament screening, and clear client instructions for medication dispensing. Be prepared to provide loss history, sample client waiver/consent forms, and details on on-site animal supervision. Minimum Premium: $500–$750 per line of coverage (varies by state and submission). Territories and Availability This program is available in: FL, IA, IL, IN, MO. IPMG generally places coverage on non-admitted paper with A-rated carriers; admitted paper may be available in some states. Confirm availability for the insured’s state before submission. Why Work With IPMG on Animal Handlers Business IPMG provides targeted underwriting for routine animal-handling exposures and access to A-rated markets that understand the specific risks of grooming, sitting, training, and boarding operations. The program balances tailored coverage (including professional liability for handlers) with practical pricing for small business clients. Example Accounts You might have a client who operates a licensed grooming salon with trained staff, written consent forms for medication dispensing, and no surgical procedures — this is a good fit. You might also place a professional dog walker with multiple employees who follows documented safety protocols and maintains client waivers. Contact IPMG today for submissions and questions about placing Animal Handlers Insurance: Matt Becker (IL, IN, IA) (630) 485-5952 [email protected] Barbara Commings (FL) (855) 377-4764 Ext 5222 [email protected] Leona Greeves (MO) (314-293-9700) Ext 9705 [email protected] Frequently Asked Questions What types of accounts are a good fit for IPMG’s Animal Handlers program?Small to mid-size licensed businesses that handle domestic animals without providing veterinary diagnosis or treatment — for example, groomers, sitters/walkers, trainers, and boarding facilities that follow written client instructions. What coverages are available through this program?Commercial general liability and property coverages are available, plus an Animal Handlers Professional Liability endorsement to address handling-related professional exposures. Which states are eligible and is coverage admitted or non-admitted?The program is available in FL, IA, IL, IN, and MO. IPMG places with A-rated carriers primarily on non-admitted paper; admitted options may be available in certain states — confirm at submission. What underwriting information should I include with a submission?Include proof of licensing, description of operations and services, loss history, sample client consent/waiver forms, staff training procedures, and controls for medication dispensing and animal supervision. Are veterinary clinics or practices eligible?No. Any operation primarily engaged in the diagnosis or treatment of animals should be submitted to veterinary markets; they are not eligible for this Animal Handlers program. Need help placing an account? Connect with a market specialist.

...ent, and volunteer exposures that boards, property managers, and association p...r remedies. Are developer-controlled boards eligible for coverage?Yes. Associations with boards controlled by developers can be el...