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USG Insurance Services, Inc. is a national wholesaler and managing general agent (MGA) with 18 offices across the country and the ability to write in all 50 states. Built from the ground up by some of the top executives in insurance, USG continues to expand operations nationwide while providing innovative solutions for the risk management industry. The USG team consists of experts divided not by territory, account size, or coverage who can help meet all commercial insurance account needs. We are problem solvers for all commercial lines coverages and specialize in hard-to-place risks, providing our agents with focused expertise and solutions. In 2016, USG is celebrating 15 years in business and continues to outpace industry growth metrics with a state-of-the-art Service Center, Marketing Department, and IT Department. We have also branched out into several specialty divisions, including AAU: Allied American Underwriters, Brokers Financial Services, BFS Inspections, Into Innovations, Aureate. Our forward-thinking technology continues to evolve through our proprietary system, I3x, that expedites quote process and policy service; and through the launch of a new online and phone quoting system, INS LINK, that will streamline small transactional accounts and bring in additional opportunities nationally. USG's corporate office is located in Tampa, Florida; and our flagship office is located in Canonsburg, Pennsylvania. Ocean Cargo P&I Hull Boat Dealers Marinas Piers & Docks Charterers Legal Liability Wharfingers Legal Liability Vessel Pollution Vessel Builders Risk Spill Responders Ship Repairers/Manufacturers

The Diversified Marina Insurance Program from Diversified Insurance Facilities is tailored to the exposures faced by businesses operating in and around freshwater marinas. As a wholesale broker with access to multiple carriers, Diversified places both standard and hard-to-fit marina risks with flexible, comprehensive solutions for marine-related operations. Overview of the Program From Diversified Insurance Facilities This program focuses on businesses involved in recreational boating and marina operations. It provides tailored coverage for wet and dry property, storage and moorage, and a range of ancillary services. Whether your client runs a family-owned boat dealership, a yacht club, or a full-service freshwater marina with fueling and repair operations, this program is structured to consolidate coverage and reduce gaps. Ideal Accounts and Appetite This program is a strong fit for accounts such as: Freshwater marinas (wet and dry slips) Boat dealerships and sales operations Yacht clubs and boat clubs Boat storage yards and mooring facilities Marine-related hospitality (restaurants, snack bars, marine stores) Campgrounds and hotels with marina access Watercraft rental businesses Boat repair and servicing shops Example: you might have a seasonal marina that rents slips, performs repairs, and operates a small fueling station. This program can place those operations under one coordinated policy rather than piecing coverage together across multiple markets. Coverage Highlights and Advantages Property coverage for wet and dry storage areas and float structures Boat dealer and ship repairer’s liability Protection for fueling, hauling, launching, and servicing operations Liquor liability for package sales only Coverage options for on-site restaurants, marine supply stores, and lodging tied to marina operations By packaging marina operations, the program helps reduce coverage gaps and streamlines policy management for multi-service facilities. Underwriting Notes and Minimum Premiums Underwriting varies by account complexity, location, and operations. Diversified works with agents to evaluate each risk and access the best-fit markets — both admitted and non-admitted when appropriate. Minimum premiums and specific terms are determined on a submission-by-submission basis. Territories and Availability The Diversified Marina Insurance Program is available broadly across the U.S., offered in 48 states plus Washington, D.C. Popular placement states include CA, FL, TX, NY, and WA. State-specific availability and admitted vs. non-admitted options depend on the market selected for the risk. Why Work With Diversified Insurance Facilities? Diversified Insurance Facilities is a wholesale broker with focused experience in marine-related exposures. Agents benefit from: Access to multiple carrier markets for standard and specialty placements Underwriting expertise that understands marina operations and exposures Flexible solutions to combine property, liability, and ancillary exposures under one program Responsive service to help place accounts that may be difficult in the retail market If you have an account that needs consolidated marina coverage or if you’re facing placement challenges, Diversified can help identify suitable markets and terms. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for freshwater boat dealerships, marinas (wet and dry), yacht clubs, marine repair shops, and related hospitality services such as restaurants or campgrounds that are part of marina operations. Can the program handle operations with multiple services, like fueling and boat rentals?Yes. The program is designed to cover a wide range of marina-related activities, including fueling, watercraft rental, hauling, launching, and repair services. Are both admitted and non-admitted carriers available?Yes. Diversified has access to both admitted and non-admitted markets and will select the appropriate placement based on the risk and state regulations. What is the minimum premium for this program?Minimum premiums vary by the type, size, and complexity of the operation. Diversified reviews each submission individually to determine pricing and minimums. In which states is this program available?The program is available in most states, including CA, FL, TX, NY, and WA, and is offered across 48 states plus Washington, D.C. Need help placing an account? Connect with a market specialist.

Recreational Marine Insurance Whether your client’s business is a marina, boat dealer, yacht club, boat repair yard or marine artisan, navigating the waters of marine insurance can be challenging. Securing the right coverage to protect against the unique risks your client’s marine business faces is critical. Harbor Risk, a division of IGP Specialty, provides insurance solutions for all types of recreational marine businesses. By choosing to work with Harbor Risk, you’ll receive expert guidance from a knowledgeable team who specializes in marine-related insurance. Our extensive understanding of the marine industry allows us to determine the appropriate coverage for your client’s business, and we provide access to those specialized marine products and solutions.

The American Equity Underwriters, Inc. (AEU) is the program administrator for the American Longshore Mutual Association, Ltd. (ALMA), which is authorized by the Department of Labor to provide USL&H coverage for the liabilities of its members under the United States Longshore & Harbor Workers' Compensation Act. ALMA's unique structure as a group self-insurance fund gives us the freedom to be more creative in our underwriting, customizing programs for optimal results. Coverages: United States Longshore and Harbor Workers' Compensation Act Defense Base Act Outer Continental Shelf Lands Act Non-Appropriated Fund and Instrumentalities Act Companion State Act Program in conjunction with the above coverages Target Classes: A minimum of 10% of the company's payroll must be USL&H exposure (unless incidental-only) Ship Builders Stevedores Terminal Operators Barge Repairers Marine Construction Ship Repairers Steamship Agents Luxury Yacht Builders Coal Docks Offshore Industries The below preferred classes may also have USL&H (possibly incidental-only) exposure: Heating and A/C Contractors Engine Repair Fire Extinguisher Servicing Sheet Metal Work Architects and Engineers Refrigeration Repair Pest Control Carpentry Electricians Welders Painters Wallboard Installation Communications Repair Crane Installations and Repair Concrete/Cement Work Plans Include: First Dollar Coverage Loss Sensitive Rating Plans Excess Over qualified Self-Insurance Incidental Coverage Deductible Limits: Federal Acts: Statutory Employer's Liability: $1,000,000

Program Overview from Novatae Risk Group Novatae Risk Group offers a focused USL&H - Marine Workers Comp program to help agents place challenging and specialty marine accounts. Whether your client works on vessels, on piers, or onshore adjacent to navigable waters, this program delivers workers’ compensation solutions tailored to maritime and waterfront exposures. Novatae places business with several top-rated carriers (markets as high as AXV by A.M. Best) and provides access to both admitted and non-admitted markets. Ideal Accounts and Appetite This program is built for businesses that require USL&H coverage — from clean-mod operations to accounts with elevated experience mods or prior lapses. Novatae will consider a wide range of marine and waterfront class codes and is comfortable underwriting risks that don’t fit standard markets. Targeted Industries Include: Boat service and repair contractors Fishermen and fishing tour operators Scuba diving trainers and ski rental operators Marina operators and shipbuilders Bridge builders and painters Dock, pier, and marine construction contractors Offshore oil and platform workers Artisan, Trade, and Service Contractors That May Need USL&H: Electricians, painters, and carpenters working over, from, or adjacent to navigable waters Crane installation and repair crews Engine and refrigeration repair technicians HVAC and sheet metal contractors Wallboard installers and concrete workers operating on marine projects Ship cleaning and passenger vessel operations Program Highlights Multiple carrier options — flexibility to place difficult risks Aggressive pricing strategies when appropriate Broad acceptance of class codes and unique marine exposures First-dollar coverage options available Loss-sensitive and high-deductible plan structures Monthly payroll reporting available Not a PEO — this is a traditional workers' compensation program Underwriting Notes and Minimum Premiums Minimum premiums typically start at $10,000 in most states. Novatae evaluates accounts with elevated X-mods and does not automatically decline risks with prior lapses in coverage. Final terms depend on class mix, payroll, loss history, and project details. Territory and Market Access The USL&H - Marine Workers Comp program is available in most U.S. states, including coastal and inland regions: 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, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, DC, WV, and WI. Why Work With Novatae Risk Group As a Managing General Underwriter and E&S broker, Novatae combines niche underwriting expertise with market access for marine and USL&H exposures. Their team focuses on practical placement solutions for accounts that are difficult to place in standard markets and works with agents to structure terms that balance coverage and cost. You might bring Novatae a marina with on-site repair operations and mixed class codes, or a contractor performing bridge work over navigable waters — both are the sort of accounts this program targets. Novatae’s flexibility and carrier relationships make it a strong option when traditional markets say no. Frequently Asked Questions What types of accounts are a good fit for this USL&H program?This program suits marine-related businesses such as boat repair contractors, marina operators, offshore oil workers, and artisan contractors who work on or adjacent to navigable waters. Can I submit accounts with a high experience mod or no prior coverage?Yes. Novatae accepts accounts with high X-mods and is open to risks with lapsed or no prior coverage, subject to underwriting review of the total risk profile. Is this a PEO solution?No. This is a traditional workers' compensation program (not a PEO). Policies are issued through admitted and non-admitted carriers with direct coverage for insureds. What is the minimum premium for this program?Minimum premiums generally start at $10,000 in most states. Actual pricing will vary based on class codes, payroll, loss history, and selected coverage options. In which states is the program available?The program is available in most U.S. states, including coastal and inland regions. See the territory list above for specific states. Need help placing an account? Connect with a market specialist.

Overview of the Program Our Marine Builders Risk Insurance program is designed for agents placing coverage for vessels under construction, refit, or undergoing pre-delivery operations. As a Managing General Agency and Excess & Surplus Lines broker, we provide flexible placements for single-vessel projects or ongoing builder operations. The policy can be tailored to cover the hull, materials, equipment and related property from the start of construction through final delivery to the client. Ideal Accounts and Appetite Recreational and commercial vessels of all types, including yachts, workboats, fishing vessels, ferries, and specialty craft New construction projects by boatbuilders and shipyards—single contracts or programmatic builder's portfolios Refits, extensive repairs, and conversions where physical loss or damage exposure during construction or transit is the primary concern Accounts that require Protection & Indemnity cover for sea trials, demonstrations, and delivery movements We typically write risks with substantial values—policy limits start at $5,000,000 and up. The program can accommodate complex hull values and multi-year builder operations when underwriting information is complete. Coverage Highlights and Advantages Builders Risk Clauses that cover materials, equipment, and the vessel during construction, dockside storage, and while afloat where specified Protection & Indemnity coverage available for sea trials, demonstration runs, and delivery transits when required by the builder or purchaser Flexible placement options through admitted and non-admitted markets to match client needs and state requirements Access to multiple carriers (varies by submission) through our E&S relationships—enabling coverage for hard-to-place exposures Claims handling and loss control guidance geared to marine construction exposures Underwriting Notes and Minimum Premiums To quote effectively, provide complete construction specifications, hull plans, builder’s risk values, intended launch and delivery dates, description of sea trials or transit exposures, and information on yard operations and subcontractors. The program generally requires high-quality loss history and detailed schedule of values for complex or high-limit placements. Minimum premium: $25,000. Final premium and terms depend on vessel value, scope of work, transit exposures, and the selected carrier appetite. Appetite Restrictions (Typical) Preferred: professional yards and builders with documented procedures, experienced crews, and formal risk controls May be declined or require special terms for speculative construction without detailed plans, certain military contracts, or vessels expected to operate in high-risk war/piracy zones unless specifically negotiated High-hazard operations (e.g., heavy excavation adjacent to hull, unapproved design changes, or undocumented subcontractor work) will require tailored underwriting and may increase pricing or exclusions Territories and Availability Available across a broad footprint: 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. We place business in both admitted and non-admitted markets as required—please advise your preferred placement and any state-specific compliance needs when submitting. Why Work With Us on Marine Builders Risk Specialized marine underwriting and E&S distribution that understands vessel construction and delivery exposures Flexible solutions for single-project risks or ongoing builder portfolios Access to varying carriers and terms—we can often place difficult or high-limit accounts other markets avoid Responsive submission intake and underwriting guidance to shorten quote cycles Please contact us today for more information on our Marine Builders Risk program! Frequently Asked Questions What types of accounts are a good fit for this Marine Builders Risk program?The program is best for boatyards, shipbuilders and owners building or refitting recreational and commercial vessels who need coverage for hull, materials and related property during construction, sea trials, and delivery. We write single-vessel contracts and builder’s ongoing operations with sufficient underwriting detail. Does the policy include Protection & Indemnity for sea trials and delivery?Yes. Protection & Indemnity for sea trials, demonstrations and delivery movements can be included when requested. Provide details about the planned trial area, crew, pilotage and route so the underwriter can evaluate transit liability exposures. What minimum documentation is required with a submission?At minimum, provide a schedule of values or estimated hull value, construction timeline, scope of work, location of building/launch, loss history, and details on subcontractors and yard controls. More complex or high-limit risks will require plans and additional technical data. What is the minimum premium and how are limits handled?The program’s minimum premium is $25,000. Policy limits typically start at $5,000,000 and are adjusted to match the vessel value and project exposure. Final premium is determined by vessel type, value, transit exposure, and carrier selection. Are you able to place risks in admitted markets?Yes. We work with admitted and non-admitted carriers across multiple markets. Tell us the preferred jurisdiction and any admitted requirement up front so we can target the appropriate carrier options. Need help placing an account? Connect with a market specialist.