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Overview of the HABITATIONAL Insurance Program from Advanced E&S Group - Southeast Region Advanced E&S Group - Southeast Region offers a habitational property program designed for agents who need flexible, non-admitted solutions for multi-tenant and association exposures. Written and underwritten through a panel of various surplus markets via our Managing General Agency platform, this program focuses on all-risk property placements with replacement cost options and a broad set of ancillary coverages to protect building owners and associations. Ideal Accounts and Appetite This program targets traditional habitational and mixed-use properties where a surplus lines placement or broader wording is required. Typical fits include: Target Classes Condominiums / Apartments / Homeowners Associations / Office Buildings / Mercantile / Warehouses General Liability written alongside property Buildings and Personal Property on an all-risk / replacement cost basis Loss of Rents, including wind endorsements where available Ordinance and Law coverage (including wind endorsement options) Boiler and Machinery (Equipment Breakdown) Sinkhole coverage Mono-line property placements Flood coverage available Windstorm protection available in most areas Coverage Highlights and Advantages All-risk property forms with replacement cost valuation options to help insureds restore value after a covered loss. Loss of rents and business income extensions, including wind where permitted by the market. Ordinance & Law and equipment breakdown add-ons to address common habitational exposures. Flexible mono-line property or package placements to meet a variety of broker needs. Access to multiple surplus carriers through Advanced E&S Group’s underwriting relationships — useful when admitted markets are limited or declining. Underwriting Notes and Minimum Premiums Underwriters evaluate each submission on occupancy, construction, age, fire protection, loss history, management practices, and geographic hazard (flood/coastal wind, sinkhole zones). Accounts with high vacancy, uncontrolled deferred maintenance, or adverse loss frequency may face restrictions or higher terms. Minimum premiums vary by carrier and state; please reference the specific carrier appetite or contact your Advanced E&S Group underwriter for details. Territories and Availability This program is available through Advanced E&S Group - Southeast Region in the following jurisdictions: 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, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY and DC. The program is offered on a non-admitted/surplus lines basis (not admitted) through various carriers in the program panel. Why Work With Advanced E&S Group on HABITATIONAL Business As a Managing General Agency focused on surplus markets, Advanced E&S Group combines marketplace access with habitational underwriting expertise. That means you get targeted appetite for habitational property risks, flexible wording options (including ordinance, loss of rents, sinkhole, and equipment breakdown), and a solutions-oriented approach when admitted markets can’t meet client needs. Example Accounts That Fit Well Mid-size condominium association seeking replacement cost property coverage, ordinance & law protection, and loss of rents coverage after a recent coastal wind loss history where admitted options are limited. Small apartment building owner looking for mono-line property with boiler & machinery and sinkhole coverage in a non-admitted placement due to their prior carrier non-renewal. Submission Essentials To obtain a timely review, provide a completed property application, current loss runs, recent photos of the building exterior, occupancy information, and any relevant mitigation or retrofit details for wind/flood if applicable. Advanced E&S Group’s underwriting team will advise on additional forms or supplemental information required by the selected carrier. Frequently Asked Questions What types of habitational accounts are a good fit for this program?Condominiums, apartment buildings, HOAs, mixed-use office/mercantile with residential units, and warehouses with habitational exposures are typical fits—especially when you need surplus lines capacity or broader policy wording than admitted markets offer. Is this program offered on an admitted basis?No. This program is placed through surplus markets and is offered on a non-admitted (surplus lines) basis in the territories shown. What coverages can I expect to add to a habitational policy?Markets in the program commonly offer all-risk property with replacement cost, loss of rents (including wind endorsements in many areas), ordinance & law, boiler & machinery, sinkhole, and flood options—subject to carrier appetite and underwriting review. Are there accounts that are typically declined or need special handling?Accounts with high vacancy, uncontrolled deferred maintenance, repeated severe losses, or extreme coastal exposure without mitigation may be limited or require specific loss control measures. Each submission is reviewed individually. What is the minimum premium?Minimum premium varies by carrier and state. Provide a full submission and the underwriter will confirm the applicable premium thresholds for the selected market. Need help placing an account? Connect with a market specialist.

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Program Coverage ISG is a proven leader for insurance solutions serving the construction industry, with a specific focus on general liability and builders risk products which are supported by industry-leading coverage, risk management protection and construction quality assurance. ISG’s general liability & builders risk products are tailored for new, residential construction risks including single-family homes, townhomes, and condominium construction. Residential Lines of Business/Risk Appetite General Liability Annual, renewable Practice Policies Targets GC’s and homebuilders working new, residential construction Can accommodate limited remodel & commercial construction operations Unable to write trade contractors and pure home remodeling operations Admitted in AL, AZ, FL, GA, OR, UT, and WA. Non-Admitted paper available in all other states, excluding AK, NY and HI Policy Form: ISO & Company Specific with limited exceptions Policy Limits: Up to $15M total available including underlying Defense Treatment: Admitted is Outside / Non-Admitted Inside or Outside depending on risk characteristics & location Subsidence Coverage for homes built during policy period No tract home exclusion No Faulty Work Exclusion or CG 2294 Non-admitted practice policies can include extended products-completed operations through the applicable state statute. General Liability Project-Specific & Wrap Policies Terms up to 36 months and including Extended Products-Completed Operations Coverage Policy Form: ISO & Company Specific Policy Limits: Up to $15M total available Retentions up to $1M Pay-As-You-Sell Options available No limitation on tract home builders Cannot write in New York, Alaska or Hawaii Appetite includes new construction of: Single-Family Homes Fee-Simple Townhomes/Multi-family Condominiums Mixed-Use (Commercial on 1st floor and Residential above) Single-Family “For-Rent” Up to 8-stories and $35M in cost per building Limited Remodel / Renovation Exposure Acceptable Builders Risk New Single-Family, Multi-Family & Commercial Structures Available on a nationwide basis, excluding: AK, HI, and NY (5 boroughs) Remodel / Renovation coverage available for non-structural work Single-Shot policy limits up to $10M per structure / per occurrence Reporting & Blanket policy limits up to $3M per structure / $20M Per Occurrence Flood & Earthquake/Sinkhole available in most areas Coastal Florida Wind Coverage Available up to $3M per structure. Multiple Products: Standard Blanket New Starts Reporting Single-Shot Modified Blanket – This is unique to ISG. Premium is charged only for the number of months it takes to build and sell each structure. Claims Handling Dedicated partnership and pro-active communication with Network Adjusters for over 18 years providing high quality claims management and customized claims solutions committed to the construction industry. Additional Coverages Townhomes, single family homes, duplexes, multi-family, condominiums New construction townhome builders Residential multifamily general contractors New construction insurance Residential builders risk construction insurance for homeowners Residential construction insurance for general contractors General Liability for residential general contractors building NEW New construction insurance and job safety Contractors and Construction Nationwide residential general liability policies Wrap up policies Project specific policies Supported excess limits Tract family homes Mixed use Fee-simple multi family Comprehensive risk management solutions Broad insurance based general liability policy Single shot policies Blanket builders risk reporting policies Nationwide builders risk policies Non structural renos including existing Contact: Stephen Harrell,SVP [email protected] (770) 380-5861 Ellen Goldstein, Director of Marketing & Sales [email protected] (770) 401-1077