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Van Wagoner Companies, Inc. is one of the longest-established surplus lines agencies in Texas and operates as a Managing General Agency (MGA). We give appointed agents and brokers access to competitive commercial insurance programs for hard-to-place and specialty risks, backed by carrier relationships that include Lloyd’s and Markel International. Broad appetite for commercial risks The Commercial Lines program is built to help you place a wide range of business accounts — from straightforward commercial property to more specialized or difficult-to-place exposures. Van Wagoner places accounts in both admitted and non-admitted markets when appropriate and works with appointed agents to find the best carrier fit. Target classes include: Apartment Houses – building, contents, inland marine, and liability Cargo – truck, air, or marine transit risks Commercial Packages – adaptable to most business classes Commercial Property – broad class acceptance Contractors Liability – multiple contractor classes Gas Stations and Convenience Stores General Liability – premises, products, and completed operations Greenhouses and Garden Centers Grocery Stores High-valued Automobiles – physical damage coverage Hotels and Motels Office Buildings Restaurants and Bars Shopping Centers and Malls Vacant Commercial Properties Coverage highlights and advantages Van Wagoner’s Commercial Lines program offers flexible coverages and structure to address the exposures your clients face. Key coverages include: Commercial Property — building, contents, and business interruption General Liability — premises, products and completed operations Inland Marine — contractor equipment, mobile property, and transit limits Physical Damage — coverage options for high-valued private automobiles The program is positioned to provide broad protection for hospitality, retail, construction, property owners, and other commercial operations where admitted or surplus capacity is required. Underwriting approach Van Wagoner underwrites through appointed agents, reviewing submissions to match accounts to the most appropriate carrier within their panel. While the appetite is broad, underwriters evaluate accounts based on class, location, exposures, loss history, and risk controls. The program accepts both admitted and non-admitted placements depending on the state and the risk. There is no published minimum premium, allowing flexibility across a range of account sizes. Available states This program is available to agents and brokers in the following states: Arizona (AZ) Arkansas (AR) California (CA) Connecticut (CT) Delaware (DE) Idaho (ID) Iowa (IA) Nevada (NV) New Mexico (NM) Oklahoma (OK) Pennsylvania (PA) Texas (TX) Utah (UT) Wyoming (WY) Why work with Van Wagoner Companies With decades of surplus-lines experience and deep underwriting relationships — including Lloyd’s and Markel International — Van Wagoner helps agents place complex and unusual commercial risks. The team emphasizes responsive service, practical underwriting guidance, and the ability to structure admitted or non-admitted options where appropriate. Example fits you may bring to this program: A mid-size apartment owner needing a combined property/liability package with inland marine for contents in a secondary market. A contractor with specialized equipment and a recent loss history who needs tailored inland marine and liability solutions through surplus markets. If you have a hard-to-place commercial account or need a surplus-lines solution, Van Wagoner can evaluate submissions and help secure the appropriate market placement. Need help placing an account? Connect with a market specialist. Frequently Asked Questions What types of accounts are a good fit for this Commercial Lines program?Good fits include apartment buildings, contractors, retail stores, hotels, restaurants, and commercial property owners. The program is well-suited for harder-to-place risks such as vacant properties and high-valued vehicles. Is this program available in admitted or non-admitted markets?Van Wagoner places business in both admitted and non-admitted markets depending on the state and class of business. Your appointed underwriter will identify the best option for each account. What carrier markets support this program?This program is backed by long-standing carrier relationships, including Lloyd’s and Markel International. Are there minimum premium requirements?There is no published minimum premium. Van Wagoner considers a range of account sizes when evaluating submissions. In which states is the program offered?The program is available in AZ, AR, CA, CT, DE, ID, IA, NV, NM, OK, PA, TX, UT, and WY. Need help placing an account? Connect with a market specialist.

The real estate industry is one of PBC's strongest specialties, helping to make it one of the Top MGAs in the U.S. As the first company to offer Purchasing Group Programs for residential co-ops, condominiums and rental buildings, our residential real estate property program has the insured's best interests in mind. Target Business: Condos and Co-ops (Single building or a multi-location national property portfolio) Residential buildings Buildings from 3-30 stories Habitational with incidental mercantile exposure Coverages Offered: Umbrella Liability ($100M limit available for Follow Form Lead Paint Coverage) All-Risk Property Insurance Commercial General Liability Lead Paint & Mold Liability Terrorism Excess Flood Territory: CT, NY, NJ, PA Take advantage of the latest developments of this market; speak with a PBC expert about our exclusive offerings that help reduce your bottom line. For more information, please contact: Gary Shapiro Office: 516-496-1346 Email: [email protected] Tom Henderson Office: 212-338-2946 Email: [email protected] Nicholas Biondo Office: 516-496-1349 Email: [email protected] Stefanie Silvio Office: 401-468-3449 Email: [email protected]

NEW Excess Liability Insurance Program for Real Estate A.M. Best "A" XIII Carrier Exclusively through New Empire Group, the excess liability insurance program for real estate is admitted in all 50 states and available in the District of Columbia. Product Features Admitted placements in all 50 states Limits up to $100,000,000 Competitive rates and low minimum premiums (varies by territory) Individual policy issuance — no blanket or master-only requirement Follow form over General Liability, Auto Liability, Directors and Officers, and Workers Compensation. Overview — New Empire Group Excess Liability Program New Empire Group offers an admitted excess liability program for real estate risks administered with capacity from Crum & Forster and an A.M. Best "A" XIII-rated carrier. The program is structured for real estate owners, managers and associations that need higher limits and follow-form excess coverage over primary liability lines. You can place admitted excess policies nationwide (all 50 states and DC) with flexible limits up to $100M. Ideal Accounts and Appetite Condominium, homeowners, and community associations Apartment buildings, garden apartments, and multi-family complexes Office, commercial and light industrial buildings (LRO acceptable) Cooperatives and independent living residences The program targets standard to moderately complex real estate operations with well-managed loss exposures. It is well suited for insureds that require admitted paper, high limits, and follow-form excess over GL, Auto, D&O and Workers’ Compensation. Coverage Highlights and Advantages Admitted excess policies — easier placement for mortgagees, lenders and large institutional clients. Follow-form wording over common underlying lines to maintain coverage consistency. Limits up to $100,000,000 to support large or catastrophic exposures. Individual policy issuance simplifies account-level terms and endorsements. Underwritten capacity from a financially strong carrier (Crum & Forster). Underwriting Notes and Minimum Premiums Underwriting focuses on the quality of the underlying primary programs, loss history, risk management practices, and operation type. Minimum premiums and final pricing vary by territory — see “Varies by Territory” for minimum premium guidance. You should submit current underlying policies, loss runs (typically 5 years preferred), and a statement of operations to begin evaluation. Territories and Availability This excess liability program is admitted and available in all 50 states and the District of Columbia. For state-specific filing or regulatory questions, consult New Empire Group underwriting as placement requirements can vary by state. Why Work With New Empire Group Program administrator expertise in real estate casualty lines and admitted solutions. Direct access to an A-rated carrier and admitted paper — helpful for institutional clients and complex accounts. Flexible limits and individual policy issuance allow tailored placements at the account level. Responsive underwriting for timely quotes on mid- to large-limit excess needs. For more information on this excess liability insurance program for real estate and other programs offered by New Empire Group, please visit www.newempiregroup.com. Frequently Asked Questions What types of real estate accounts is this excess program best for?This program is best for condominium and homeowners associations, apartment and garden-style complexes, office and commercial buildings, cooperatives, and independent living residences that need admitted excess limits and follow-form coverage over their primary liability programs. Does the program write admitted paper everywhere?Yes — the program is admitted in all 50 states and available in the District of Columbia. Specific state filings and premium taxes may affect placement details, so check with underwriting for state-specific requirements. What information should I submit for a quote?Provide current underlying policies, five years of loss runs (if available), a description of operations, payroll/units and limits requested. Underwriting may request supplemental information for large or complex accounts. How are limits and minimum premiums handled?Limits are available up to $100,000,000. Minimum premiums vary by territory — New Empire Group underwriting will confirm territory-specific minimums and pricing during the quote process. Need help placing an account? Connect with a market specialist.