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Barber shops and beauty salons face distinct workers’ compensation e...ram?Independent barber shops, beauty salons, and salon suites that provide ser...

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LANDSCAPE GARDENING LIABILITY INSURANCE For NC and VA MORE THAN 30 YEARS INSURING CONTRACTORS We are your go-to market for all contractors, whether BIG or SMALL! Overview of the Program From Agents Insurance Markets, Inc. Agents Insurance Markets, Inc. provides targeted General Liability solutions for landscape gardening and lawn care contractors across North Carolina, Virginia and the District of Columbia. With more than 30 years placing contractor business, we combine niche underwriting expertise and access to flexible non-admitted markets to help you place accounts that need tailored limits and endorsements. Ideal Accounts and Appetite This program is designed for a broad range of landscape and grounds-maintenance operations, including: Landscape gardeners and full-service landscapers Lawn care and grass-mowing services Tree pruning, trimming, dusting and spraying Stump grinding and light site cleanup Residential and commercial maintenance contractors Typical fits are contractors performing routine lawn and landscape services, seasonal crews, and firms that need higher limits or specific policy features not available in standard admitted markets. Accounts with heavy excavation, major tree removal, or extensive subcontracted heavy civil work generally fall outside this appetite. Coverage Highlights and Advantages The program centers on comprehensive General Liability with options and endorsements that align with contractor exposures: General Liability limits available up to $5,000,000 Occurrence-form coverage Excess liability available to increase limits Property Enhancement form options Equipment and tools coverage via property floaters Additional Insured endorsements, primary wording and waiver of subrogation available Per-project aggregate limits offered where required by contract Damage to premises rented to you (up to $100,000) and Medical Payments (up to $5,000) Underwriting Notes and Minimum Premiums Underwriting focuses on the specific operations, claims history, contract exposures and equipment values. We place business with reputable non-admitted carriers to offer greater flexibility on limits and endorsements. While the program offers competitive minimums for qualifying accounts, final pricing depends on the insured’s operations, payroll/subcontractor usage, past losses and requested coverages. Territories and Availability This program is available to agents writing business in North Carolina (NC), Virginia (VA) and the District of Columbia (DC). Policies are placed through non-admitted carriers where appropriate; please confirm state availability and any local licensing requirements when submitting. Why Work With Agents Insurance Markets, Inc. As a Managing General Agency specializing in contractor classes, Agents Insurance Markets, Inc. pairs experienced underwriting with fast, practical service. We help agents place accounts that need flexible wording, higher limits, or equipment protection not always available in admitted markets. Our team supports quick turnaround on submissions and can assist with policy language for owner or venue additional insured requests and per-project aggregates. Example Accounts That Fit This Program A small commercial landscaping contractor that maintains office campus grounds, uses light tractors and hires seasonal crews, and needs a $2M general liability limit with additional insured wording for the property owner. A solo lawn care operator who carries mowers, a chipper and trailer equipment and wants scheduled equipment coverage plus general liability on an occurrence basis. Frequently Asked Questions What types of accounts are a good fit for this program?This program fits landscape gardeners, lawn care and mowing services, tree pruning and stump grinding contractors, and both residential and commercial landscapers operating in NC, VA and DC—especially when higher limits or specific endorsements are needed. Is this program available for new landscaping businesses?Yes. We consider both new ventures and established companies. Each submission is evaluated on operations, experience, equipment and exposures. What are the key coverage options included in this program?Key options include General Liability up to $5 million, Property Enhancement forms, Equipment Floaters, Additional Insured endorsements, Waiver of Subrogation, per-project aggregates and excess liability. Can I write both residential and commercial landscaping risks?Yes. The program accepts both residential and commercial landscaping accounts provided they meet underwriting guidelines for operations and exposures. What carriers do you work with for this program?We place business with various reputable non-admitted carriers to provide flexibility in limits and policy wording tailored to your client’s needs. Need help placing an account? Connect with a market specialist.

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Policy Highlights for Barber Shop Insurance: Colonial General Insurance Agency, Inc. offers a flexible and comprehensive Barber Shop Insurance program designed for independent insurance agents and brokers looking to place barber-related risks. Whether your client owns a single-chair barber shop or operates a full-service grooming business, this program provides tailored coverage options to help protect their property, operations, and liability exposures. Ideal Accounts and Appetite This program is an excellent fit for a wide range of grooming and personal care businesses, including: Traditional barber shops Independent barber operators Manicurists and nail technicians Masseuses and spa professionals Ear piercing and facial services Beauty makeover specialists Accounts with clean loss histories and professional operations are ideal candidates. The program also accommodates individual professionals working as independent contractors or within larger businesses. Coverage Highlights and Advantages Property Coverage Property insurance is available on a mono-line or package basis and includes options such as: Basic, Broad, or Special Form coverage Building and Contents coverage Business Income coverage Equipment Breakdown Computer Equipment Inland Marine Outside Signs Accounts Receivable and Valuable Papers Replacement Cost or Actual Cash Value options General Liability Primary limits up to $3 million occurrence/aggregate Included Errors and Omissions coverage at policy limits Independent contractors included as additional insureds Hired and Non-Owned Auto liability Sexual and/or Physical Abuse coverage: $50,000 per claim/$100,000 aggregate (higher limits available) Medical Payments: $5,000 limit Excess or Umbrella limits available up to $25 million No deductible required Crime Coverage Inside the Premises – Theft of Money and Securities Inside the Premises – Robbery or Safe Burglary of Other Property Outside the Premises Underwriting Notes Colonial General works with a variety of carriers to provide flexible options based on risk characteristics. While some admitted markets are available, availability may vary by state and account type. Submission requirements are streamlined for ease of quoting. Territories and Availability This program is available to agents and brokers placing business in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Why Work With Colonial General Insurance Agency, Inc.? As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General has deep experience placing niche service business risks. They understand the unique exposures of barber shops and personal grooming professionals, and they provide tailored insurance solutions to help you serve your clients better. Their access to both admitted and non-admitted markets allows for flexibility in coverage design, while their regional focus ensures market familiarity and responsiveness. Whether you're working with a small-town barber or a multi-operator grooming salon, Colonial General can help you find the right fit for your client's insurance needs. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for barber shops, independent barbers, manicurists, masseuses, and similar personal grooming professionals. Can individual operators be covered under this program?Yes, coverage is available for individual operators, including independent contractors, with options to include them as additional insureds. Is this program available on an admitted basis?Some admitted markets are available; availability depends on the specific account and state. What states is this program available in?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Are higher limits available for abuse and molestation coverage?Yes, higher limits are available beyond the base $50,000 per claim/$100,000 aggregate limits upon request. Need help placing an account? Connect with a market specialist.

Manufactured Home Insurance For NC and VA Agents Insurance Markets, Inc. offers a comprehensive Manufactured Home Insurance program for agents and brokers placing business in North Carolina and Virginia. Designed to accommodate a wide range of client needs, this program provides flexible coverage options through an A+ rated admitted carrier, American Modern Insurance Group. Whether your client owns, rents, or leases their manufactured home, this program delivers reliable protection and underwriting expertise. Ideal Accounts and Appetite This program is ideal for agents with clients who reside in, lease, or rent manufactured or mobile homes. Acceptable occupancy types include: Owner-occupied homes Seasonal and vacation-use manufactured homes Rental properties (landlord coverage) Tenant-occupied units (renter’s coverage) Homes of various ages are considered, offering flexibility that helps agents place even hard-to-place risks. Coverage Highlights and Advantages Actual Cash Value (ACV) or Replacement Cost options for both the home and personal property Reimbursement for Repairs following covered losses Fire Department Service Charges covered Food Spoilage due to covered events Tree, Shrub, Plant, and Lawn damage coverage Antenna and Satellite Dish protection Other Structures on the premises included Optional Endorsements available to expand coverage as needed Mechanical Breakdown Enhancement – an industry-leading endorsement for added peace of mind Direct Bill Options with flexible payment plans Competitive Rates backed by stable underwriting Underwriting Notes and Program Features Agents can expect responsive service and competitive underwriting for a wide range of manufactured homes, including older units. The program is designed for easy quoting and placement, with direct billing to insureds and multiple payment options available. Admitted in select states, this program offers the security of regulated protection through a top-rated carrier. Territories and Availability This Manufactured Home Insurance program is available in: North Carolina (NC) Virginia (VA) Agents in Maryland may also inquire about availability in that state as the carrier is admitted in some areas. Why Work With Agents Insurance Markets, Inc.? As a trusted Managing General Agency (MGA), Agents Insurance Markets, Inc. brings decades of experience in placing specialty personal lines coverage. Their team understands the unique exposures of manufactured home risks and offers agents the tools and carrier access needed to serve this niche market effectively. With a focus on service, speed, and underwriting flexibility, you can confidently place your manufactured home business through AIM. Frequently Asked Questions What types of accounts are a good fit for this program?This program is a great fit for owner-occupied, seasonal, rental, and tenant-occupied manufactured or mobile homes in NC and VA. Is coverage available for older manufactured homes?Yes, the program offers flexible age eligibility, making it easier to place older homes that may not qualify elsewhere. Does the program offer Replacement Cost coverage?Yes, both Actual Cash Value and Replacement Cost options are available for the home and personal property, depending on eligibility. Are optional endorsements available?Yes, agents can add optional coverages such as mechanical breakdown, food spoilage, and additional structures to tailor protection to client needs. How is the program billed?The program supports direct billing with multiple payment options, providing convenience for both agents and insureds. Need help placing an account? Connect with a market specialist.

ARTISAN CONTRACTORS INSURANCE for NC and VA MORE THAN 30 YEARS INSURING CONTRACTORS Agents Insurance Markets, Inc. (AIM) offers a flexible and competitive Artisan Contractors Insurance program designed specifically for contractors in North Carolina, Virginia, and Washington D.C. Whether your client is a one-person operation or a growing midsize contractor, we can help you find the right coverage to match their trade and budget. Overview of the Program With over three decades of experience insuring contractors, AIM is your go-to market for artisan trades. Our program is backed by relationships with various top-rated carriers and is available on a non-admitted basis. We understand the unique risks faced by artisan contractors and provide tailored solutions that offer both protection and flexibility. Ideal Accounts and Target Classes We offer coverage for over 100 contractor classes and specialize in writing both interior and exterior operations. Some of our most popular classes include: Landscape Gardeners Excavators Interior and Exterior Carpenters Electrical Contractors Concrete Work Drywall Installers Siding Contractors (Vinyl or Wood) Painting Contractors Masonry Contractors Tree Trimmers You might have a client who runs a small painting business or a growing electrical operation—either can be a strong fit for our program. We welcome both start-ups and established businesses. Coverage Highlights and Advantages Our Artisan Contractors Insurance program includes essential coverages and valuable enhancements to meet the needs of today’s contractor: Comprehensive General Liability limits up to $5,000,000 Excess Liability coverage available Damage to Premises Rented to You up to $100,000 Medical Payments up to $5,000 Occurrence Form coverage Property coverage with enhancement form Property floaters for tools and equipment Additional Insured Endorsements Waiver of Subrogation and Primary Wording available Per Project Aggregate options Underwriting Notes We provide fast turnaround on quotes, especially for our most frequently written classes. Our team is ready to help you navigate requirements and ensure your client gets the coverage they need. This program is non-admitted and is placed through a variety of reputable carriers. Territories and Availability This program is currently available in North Carolina (NC), Virginia (VA), and Washington D.C. We are actively writing business throughout these areas and are well-versed in local contractor requirements and exposures. Why Work With Agents Insurance Markets, Inc.? At AIM, we’ve specialized in contractor risks for over 30 years. Our experienced underwriting team understands the specific needs of contractors and can help you find tailored solutions quickly. We offer market access, responsive service, and a broad appetite for artisan trades—making us the partner of choice for agents placing contractor business. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for small to midsize artisan contractors, including painters, electricians, landscapers, drywall installers, and similar trades operating in NC, VA, or DC. Is this program admitted or non-admitted?This is a non-admitted program placed through various carriers. It provides flexible underwriting and broader options for contractors who may not fit standard markets. Can this program cover tools and equipment?Yes, property floaters are available to cover tools and equipment used by contractors on the job site or in transit. Are start-up contractors eligible?Yes, new ventures are welcome. We can offer quick quotes and flexible options for start-up contractors looking to get insured and comply with project requirements. What is the turnaround time for quotes?We offer fast response times, especially for our top contractor classes. Many "quick quote" options are available for over 100 different contractor types. Need help placing an account? Connect with a market specialist.