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MOTOR TRUCK CARGO INSURANCE For NC and VA Agents Insurance Markets, Inc. offers a comprehensive Motor Truck Cargo Insurance program designed specifically for risks based in North Carolina (NC) and Virginia (VA). This program is ideal for a wide range of transportation clients and provides flexible coverage options with limits available up to $150,000. Overview of the Program From Agents Insurance Markets, Inc. As a Managing General Agency (MGA) with access to various carriers, Agents Insurance Markets, Inc. ("AIM") delivers tailored Motor Truck Cargo solutions for local and regional transportation risks. Whether your client is an independent owner-operator or a large fleet owner, AIM makes it easy to secure competitive cargo coverage with responsive service and underwriting support. Ideal Accounts and Appetite This program is well-suited for licensed motor carriers operating in North Carolina or Virginia. AIM underwrites a wide range of cargo transportation classes, including but not limited to: Auto Haulers – ideal for transporters of new and used vehicles Refrigerated Goods Carriers – including accounts needing Reefer Breakdown coverage Fleet Operators – from single-unit owner-operators to fleets with 1,000+ vehicles There are no radius limitations, making this a strong option for both local and long-haul operators. You might have a client who hauls cars from Richmond, VA to Raleigh, NC, or a refrigerated goods carrier working routes from Charlotte to Atlanta—this program can accommodate both. Coverage Highlights and Advantages Limits up to $150,000 available Reefer Breakdown coverage offered No radius restrictions – suitable for regional and national haulers Designed for fleets of all sizes Auto hauler appetite included These coverage features help protect your clients from financial loss due to theft, damage, or spoilage of cargo in transit. AIM understands the complex exposures of cargo haulers and matches them with the right carrier options to meet their specific needs. Underwriting Notes and Minimum Premiums While specific premium thresholds may vary by risk class and carrier, AIM works with a wide range of carriers to provide competitive options. Submissions should include complete vehicle and driver schedules, prior loss runs, and cargo details to ensure accurate underwriting and quick turnaround. Territories and Availability This Motor Truck Cargo Insurance program is available exclusively in North Carolina and Virginia. AIM can place business in both admitted and non-admitted markets, depending on the risk profile and carrier availability. Why Work With Agents Insurance Markets, Inc. AIM combines deep market access with a hands-on approach to support independent agents and brokers in placing complex transportation accounts. Their team is committed to fast response times, knowledgeable underwriting, and helping you grow your book with competitive motor cargo solutions. Whether you're placing a new venture or a seasoned fleet, AIM is ready to help you find the right fit. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for motor carriers based in NC or VA, including auto haulers, refrigerated goods carriers, and fleets of all sizes. Is there a radius limitation on coverage?No, this program offers coverage with no radius restrictions, making it suitable for both local and long-haul operators. Can owner-operators with a single vehicle apply?Yes, the program accepts fleets starting from a single vehicle up to 1,000+ units. Is Reefer Breakdown coverage included?Yes, Reefer Breakdown coverage is available for eligible refrigerated cargo risks. What states is this program available in?This Motor Truck Cargo Insurance program is currently available in North Carolina and Virginia. 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.

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.

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PRESSURE WASHING CONTRACTORS LIABILITY INSURANCE For NC and VA CLEANING OR WASHING BY PRESSURE APPARATUS MORE THAN 30 YEARS INSURING CONTRACTORS We are your go-to market for contractors BIG or SMALL! Agents Insurance Markets, Inc. (MGA) places pressure-washing risks with multiple carrier partners and offers a targeted General Liability program for exterior cleaning contractors in North Carolina, Virginia and the District of Columbia. The program is designed for routine pressure-washing operations and supplemental equipment protection, with underwriting focused on practical controls for PSI, cleaning agents, and jobsite safety. Overview of the Program This Managing General Agency program provides broad primary General Liability options and excess capacity where needed. Coverage targets exterior cleaning operations — residential and commercial — and can include property floaters for tools and equipment. Policies are written on an occurrence basis and the program supports common certificate needs such as Additional Insured endorsements and Waiver of Subrogation where appropriate. Ideal Accounts and Appetite Independent pressure washing contractors, single operators up to small fleets Exterior cleaning of homes, driveways, sidewalks, parking lots, storefronts, roofs and other building exteriors Contractors using pressure equipment at or below the underwriting PSI limit (see requirements) Accounts that require Additional Insured, Waiver of Subrogation, primary wording or per-project aggregate limits Prohibited: Cleaning or washing of aircraft Interior tank cleaning Snow and ice removal from streets, highways or parking lots Coverage Highlights and Advantages General Liability limits up to $5,000,000 (primary) Excess Liability available through carrier partners Damage to Premises Rented to You coverage up to $100,000 Medical Payments up to $5,000 Occurrence-form policies for long-tail liability protection Property floaters available to cover contractor equipment, trailers and tools Property enhancement options where applicable Per-project aggregate limits and Additional Insured endorsements available Responsive underwriting and quick quote turnaround for routine risks Underwriting Notes and Requirements Maximum PSI: Equipment must not exceed 3,500 PSI for this classification Cleaning solutions must be non-toxic, non-caustic and biodegradable (where possible) Jobsite controls are required: barriers, signage, spotters and other public-protection measures as appropriate Sandblasting and abrasive blasting are separately rated and not included in this class Provide current loss runs, equipment inventory with PSI ratings, and details on any chemical use or subcontracted services Territories and Availability This program accepts submissions for accounts located in North Carolina, Virginia and the District of Columbia. Agents can place accounts through multiple carrier partners to match client needs for limits and endorsement requests. Why Work With Agents Insurance Markets, Inc. on This Business Specialized contractor placement — underwriting and program design focused on exterior cleaning and pressure-wash operations Access to multiple carriers and flexible limit structures for owner-operators and small fleets Practical, clear underwriting requirements that reduce surprises at binding Fast quoting and experienced service staff familiar with contractor workflows and certificate endorsements Example Accounts That Fit A two-employee residential pressure-washing business that services driveways, siding and decks using equipment under 3,500 PSI and biodegradable cleaners. Needs GL limits plus an Additional Insured endorsement for a property manager. A small commercial cleaner that services storefronts and parking lots, requires a property floater for a trailer-mounted unit and hand tools, and needs excess limits for larger contracts. If you have accounts that match this program's appetite, Agents Insurance Markets, Inc. can be an efficient market to secure competitive liability and equipment coverage. Contact our underwriting team to discuss submissions, required documentation, and turnaround times. Product & Service Highlights: GL Limits up to $5,000,000 Excess Liability available Damage to Premises Rented to You up to $100,000 Medical Payments up to $5,000 Occurrence-form policies Property floaters and enhancement forms Quick quotes and superior customer service Underwriting Requirements Recap Equipment PSI cannot exceed 3,500 PSI Use non-toxic, non-caustic cleaning solutions (biodegradable preferred) Maintain jobsite public-protection measures (barriers, signage, etc.) Sandblasting and interior tank cleaning are ineligible for this class Frequently Asked Questions What types of pressure washing accounts are a good fit for this program?Routine exterior cleaning for residential and commercial properties—driveways, sidewalks, building exteriors, roofs and parking lots—performed with equipment up to 3,500 PSI and using non-toxic cleaning agents. What documentation does underwriting typically require?A completed application, operations description, equipment inventory including PSI ratings, current loss runs (if available), and details on cleaning solutions and jobsite safety procedures. Can I add Additional Insureds and Waiver of Subrogation for my insureds’ clients?Yes. The program offers Additional Insured endorsements and Waiver of Subrogation / Primary Wording options where appropriate and requested in the submission. Are sandblasting or interior tank cleaning operations eligible?No. Sandblasting/abrasive blasting and interior tank cleaning are excluded and must be placed through specifically rated markets. Which states is the program available in?This program accepts submissions for accounts located in North Carolina, Virginia and the District of Columbia. Contact underwriting for any territory-specific questions. Need help placing an account? Connect with a market specialist.

ROOFING CONTRACTOR INSURANCE For NC and VA MORE THAN 30 YEARS INSURING CONTRACTORS We are your go-to market for all contractors, BIG or SMALL! Roofing Contractor Insurance Program from Agents Insurance Markets, Inc. Agents Insurance Markets, Inc. (AIM) provides a specialized Roofing Contractor Insurance program designed to meet the needs of both commercial and residential roofers in North Carolina and Virginia. With over 30 years of experience insuring contractors, AIM understands the unique risks associated with roofing operations and offers tailored solutions to help agents place this business efficiently and competitively. Ideal Accounts and Underwriting Appetite This program is a strong fit for a wide range of roofing contractors, from small residential outfits to larger commercial operations. Whether your client works on single-family homes or light commercial buildings, AIM offers flexible solutions that meet the needs of the trade. Eligible Classes Include: Residential Roofers (up to three stories) Commercial Roofers Acceptable Risks: Hot tar usage is acceptable (must submit if over 25%) Contractors with new ventures or established operations Coverage Highlights and Advantages AIM’s Roofing Contractor Insurance program includes key coverages and endorsements commonly required by project owners and general contractors. Agents can access multiple carriers through AIM to tailor coverage that suits the size, scope, and budget of their client’s roofing business. Program Features: Comprehensive General Liability Coverage Limits available up to $5,000,000 Property Coverage with Enhancement Forms Equipment and Tool Floaters Available Additional Insured Endorsements Waiver of Subrogation and Primary/Noncontributory Wording Per Project Aggregate Limits Damage to Premises Rented to You up to $100,000 Medical Payments up to $5,000 Occurrence Form Coverage Territory and Availability This program is currently available to agents placing business in North Carolina (NC), Virginia (VA), and Washington D.C. As a non-admitted offering, it provides the flexibility to tailor coverage for accounts that may not fit within standard markets. Why Work With Agents Insurance Markets, Inc.? AIM offers more than market access—we bring deep insight into contractor risks and a commitment to responsive service. As a Managing General Agency with access to a variety of reputable carriers, we help agents secure competitive quotes quickly. Whether your roofing client is a startup or a seasoned contractor, AIM is here to support your placement needs with speed and expertise. You might have a client who just launched a roofing company and needs affordable GL coverage to qualify for residential projects. Or maybe you're working with a commercial roofer bidding on larger jobs who needs per-project aggregate and waiver of subrogation options. AIM can help you place both types of accounts effectively. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for residential roofers working on structures up to three stories and commercial roofers, including those using hot tar (with underwriting approval if usage exceeds 25%). Is coverage available for new ventures?Yes, AIM can consider new ventures and start-up roofing contractors, depending on other qualifying factors such as experience and scope of operations. Are additional insured and waiver of subrogation endorsements available?Yes, we offer both additional insured endorsements and waiver of subrogation/primary wording, which are often required by project owners and general contractors. What is the maximum General Liability limit available?General Liability limits are available up to $5,000,000, with excess liability options if higher limits are needed. Which states is this program available in?The program is currently available in North Carolina, Virginia, and Washington D.C. Need help placing an account? Connect with a market specialist.

TREE TRIMMERS LIABILITY INSURANCE For NC and VA MORE THAN 30 YEARS INSURING CONTRACTORS Your go-to market for contractors—BIG or SMALL! Tree Trimmer Liability Solutions from Agents Insurance Markets, Inc. Agents Insurance Markets, Inc. (AIM) leverages more than three decades of contractor market experience to help retail agents place quality General Liability and related coverages for tree service and landscaping clients. This non-admitted program is built to serve a wide range of operations—from solo tree trimmers to crews working on residential yards, commercial sites, or municipal contracts. AIM combines flexible underwriting with access to multiple carriers so you can place accounts that need specialized contractor wording or higher limits. Ideal Accounts and Target Classes This program targets contractors operating in North Carolina, Virginia, and Washington, DC. It is a strong fit for agents with clients in these classes: Tree Trimmers and Arborists Landscape Gardeners and Lawn Care Contractors Stump Grinding and Removal Services Residential tree and landscape work Commercial or municipal tree and landscape operations Examples of accounts that typically fit: a solo tree trimmer who does homeowner removals and pruning, or a mid-size landscaping firm that performs commercial grounds maintenance and occasional tree removal under contract. Coverage Highlights and Advantages AIM places non-admitted solutions through select carriers to offer broader form language and flexible limits. Key program features include: Comprehensive General Liability with available limits up to $5,000,000 Property coverage enhancements and Property Floaters for tools & equipment Additional Insured endorsements, Waiver of Subrogation, and Primary & Non-Contributory wording available Per-project aggregate options for contract work Damage to Premises Rented to You up to $100,000; Medical Payments up to $5,000 Occurrence-form coverage and Excess Liability available for higher-limit needs Competitive low minimum premiums for qualifying risks Underwriting Notes This program is underwritten through various non-admitted carriers. AIM looks for clear descriptions of operations, evidence of routine equipment maintenance, and documented safety practices. Accounts with frequent high-risk exposures (extensive tree removal from high elevations without proper rigging, unlicensed utility line work, or operations lacking competent supervision) may require additional underwriting review or be outside the appetite. AIM can consider both new ventures and established businesses provided the application includes scope of work, payroll or revenue breakdown, and loss history (if any). Excess Liability capacity is available when higher limits are needed. Available States This Tree Trimmers Liability program is available in: North Carolina (NC) Virginia (VA) Washington, DC Why Work With Agents Insurance Markets, Inc.? As a Managing General Agency focused on contractor lines, AIM offers specialized underwriting expertise and responsive service to help you place challenging tree trimming and landscaping accounts. Their team understands contractor exposures, provides tailored endorsements commonly required by commercial clients, and can quickly provide indications or referrals to excess capacity when needed. Working with AIM gives you access to multiple markets and flexible, non-admitted solutions for risks that don’t fit standard admitted forms. Frequently Asked Questions What types of accounts are a good fit for this program?Tree trimming, landscaping, stump grinding, and related residential or commercial services in NC, VA, or DC are ideal fits for this program. Is this program available for new ventures?Yes. AIM will consider new businesses provided they supply clear operational details, safety procedures, and evidence of equipment maintenance. Can I get coverage for my client's tools and equipment?Yes. Property Floaters are available to cover tools and equipment used in daily operations. What is the maximum General Liability limit available?General Liability limits are available up to $5,000,000; Excess Liability options are available for higher limits. Is this program admitted?No. This is a non-admitted program underwritten through various carriers to provide broader form language and greater flexibility. Need help placing an account? Connect with a market specialist.