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Key Risk Groups: AI Risk offers a specialized Architects and Engineers Professional Liability program designed for small to mid-sized architecture and engineering firms with up to $3 million in annual professional billings. This program is available on an admitted basis in most states and a non-admitted basis in all other states except Delaware. It provides tailored solutions for a broad range of design and technical professionals, including but not limited to: acoustical engineers, agricultural engineers, architects, audiovisual engineers, building designers, civil engineers, communication engineers, construction material testers, construction managers (agency), design/build firms, electrical engineers, forensic engineers, graphic designers, HVAC engineers, interior designers, landscape architects, land surveyors, mechanical engineers, photogrammetrists, process engineers, project managers, space planners, structural engineers, and telecommunication engineers. Coverage Overview: This program provides Professional Liability coverage to help protect your insureds from claims of negligence, errors, or omissions in the performance of their professional services. Whether your client is an independent architect or part of a multi-disciplinary engineering firm, AI Risk helps safeguard their business against costly litigation and reputational damage. Ideal Accounts and Appetite: The program is best suited for design professionals and engineering firms with annual billings under $3 million. It covers a wide range of disciplines, allowing you to place business for niche specialists or firms offering multiple services. AI Risk has a strong appetite for firms involved in both traditional and emerging engineering fields, including telecommunication, forensic, and process engineering. Examples of good-fit accounts include: - A boutique architectural firm specializing in sustainable building design with $1.5 million in billings - A regional civil engineering and land surveying firm managing municipal infrastructure projects Coverage Highlights and Advantages: - Tailored Professional Liability coverage for architects and engineers - Access to A-rated carrier (AIG) - Flexible underwriting to accommodate a variety of disciplines and firm sizes - Admitted and non-admitted options available for broad state accessibility Underwriting Notes and Minimum Premiums: Minimum premiums range from $3,000 to $12,500 for limits up to $1 million, depending on the client's risk classification and selected coverages. AI Risk underwrites each submission with attention to the unique risk profile of the firm, factoring in services offered, project types, and claims history. Territories and Availability: This program is available in all 50 states and the District of Columbia. Coverage is offered on an admitted basis in most states and non-admitted in all states except Delaware. This broad availability makes it easier for you to place multi-state or regionally active accounts. Why Work With AI Risk: AI Risk combines underwriting expertise with responsive service to help agents and brokers efficiently place professional liability coverage for design professionals. The program is backed by AIG, offering financial strength and claims-handling confidence. As a managing general agency and carrier, AI Risk delivers both flexibility and deep market knowledge—making them a strong partner for placing hard-to-fit or niche architect and engineer accounts. Whether your client is a first-time buyer or a seasoned firm seeking better terms, AI Risk can help you deliver value and protection. Frequently Asked Questions What types of accounts are a good fit for this program?This program fits small to mid-sized architecture and engineering firms with up to $3 million in annual billings. It covers a wide range of disciplines, including civil, structural, mechanical, and electrical engineering, as well as architecture and design services. Is the coverage admitted or non-admitted?Coverage is available on an admitted basis in most states and on a non-admitted basis in all others, except Delaware where non-admitted coverage is not available. What is the minimum premium for this program?Minimum premiums range from $3,000 to $12,500 for limits up to $1 million, depending on the risk classification and selected coverages. Which carrier backs this program?The program is backed by AIG, a financially strong and reputable insurance carrier. What services does AI Risk provide as part of this program?AI Risk offers underwriting expertise, access to A-rated markets, flexible terms, and responsive service to help agents place professional liability coverage for architect and engineer clients. Need help placing an account? Connect with a market specialist.

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Overview of the Program from AI Risk: AI Risk offers a specialized Contractors General Liability program designed to protect contractors from common liability exposures on the jobsite. With underwriting expertise and carrier access through AIG, this program is structured to meet the coverage needs of small- to mid-sized contractors across the U.S. Placements are available on either an admitted or non-admitted basis depending on state requirements and risk characteristics. This program is a practical option for agents and brokers placing general liability for contractors who don’t fit standard markets or who need tailored terms tied to their operations and risk controls. Ideal Accounts and Appetite: The program targets a broad range of contracting businesses with defined revenue and subcontracting profiles. Key target groups include: Contractors with annual revenues of $25 million or less Contractors who subcontract less than 25% of their work Specialty trade contractors (electrical, plumbing, HVAC, etc.) Heavy construction contractors This appetite is focused on commercial, industrial, and select residential construction work. For example, you might have a specialty HVAC contractor working on public buildings or a local excavation firm that needs primary general liability—both are strong fits for this program. Coverage Highlights and Advantages: Primary General Liability available on ISO occurrence or claims-made forms Capacity and backing from AIG, a top-tier global carrier Underwriting tailored to construction-related exposures and operations Support for agents placing difficult-to-place or niche contracting risks Underwriting Notes and Minimum Premiums: Minimum premiums start at $10,000 for most accounts. Higher minimums apply to certain higher-risk classes: $50,000 minimum for accounts involved in new residential housing developments of five homes or more in Arizona, California, Colorado, Florida, Louisiana, Nevada, New Mexico, Oregon, Texas, Utah, or Washington $50,000 minimum for roofing contractors Underwriting is selective and favors contractors with demonstrated experience, sound loss histories, and active risk control practices. Territories and Availability: This Contractors General Liability program is available in all 50 states and Washington, D.C. AI Risk supports both admitted and non-admitted placements to provide flexibility across jurisdictions and regulatory environments. Why Work With AI Risk: AI Risk combines deep construction-industry knowledge, focused underwriting, and direct carrier relationships to help agents place general liability for contractors that are difficult to insure in the standard market. As a Managing General Agency and Carrier with access to AIG capacity, AI Risk delivers responsive service, pragmatic underwriting, and the ability to structure placements on the paper type needed for each state and risk. Whether you are placing a small specialty trade contractor or a growing heavy construction firm, AI Risk’s Contractors General Liability program offers a reliable option with carrier strength and underwriting expertise to help you close more business. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for contractors with annual revenue under $25 million who subcontract less than 25% of their work. Specialty trades and heavy construction contractors are particularly well-suited. Is this program available on an admitted basis?Yes. The program can be placed on admitted or non-admitted paper depending on the state and the specific risk profile. Are new residential construction projects eligible?Yes. Accounts involved in new residential developments of five or more homes are eligible, but those in certain states require a higher minimum premium of $50,000. What is the minimum premium for most accounts?The typical minimum premium is $10,000. Roofing contractors and certain residential builders have a $50,000 minimum. Which carrier backs this program?The Contractors General Liability program is backed by AIG, a leading global insurance carrier. Need help placing an account? Connect with a market specialist.

Liquor Legal Liability Insurance Program from AI Risk AI Risk offers a specialized Liquor Legal Liability program designed to help insurance agents and brokers place coverage for clients who sell, serve, or distribute alcoholic beverages. With a focus on high-risk industries and events where liquor liability exposure is significant, this program provides essential protection for businesses that may be held liable for alcohol-related incidents involving patrons or third parties. Ideal Accounts and Target Classes This program is tailored for a wide range of businesses engaged in the sale or service of alcohol, including: Bars and taverns Restaurants Bowling alleys Country clubs Caterers Package stores Alcohol distributors Special events and temporary venues If you’re working with a bar that hosts weekly live music, or a caterer licensed to serve alcohol at weddings and corporate events, this program can help you place the right coverage to meet their liquor liability needs. Coverage Highlights and Advantages AI Risk offers flexible policy structures to meet the diverse needs of your clients. Coverage can be written on an “Occurrence” or “Claims-Made” basis (except in MI and MN), allowing adaptability based on client preference and state requirements. This Liquor Legal Liability program is backed by AIG, a leading carrier with strong financial stability and industry expertise. Key advantages include: Broad appetite for alcohol-related exposures Competitive pricing based on risk class and limits Access to experienced underwriters who understand liquor liability risks Underwriting Notes and Minimum Premiums Minimum premiums vary by risk class: Bars, taverns, and bowling alleys: Minimum premium starts at $3,100 depending on limits, coverages, and classification All other classes: Minimum premium starts at $1,250 AI Risk evaluates each submission on its merits, with attention to operational details, loss history, and controls related to alcohol service. Territories and Availability This program is available in all 50 states plus Washington D.C., giving you nationwide reach to serve clients wherever they operate. AI Risk offers both admitted and non-admitted options depending on the specific risk and location. Why Work With AI Risk? AI Risk is a Managing General Agency and Carrier with a strong reputation for underwriting expertise in complex commercial lines. By partnering with AIG and offering nationwide access, AI Risk provides agents and brokers with reliable solutions for liquor liability exposures. Their deep understanding of the hospitality and alcohol service industries allows them to deliver tailored coverage options and responsive service that help you meet your clients’ needs and close more business. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for businesses that sell or serve alcohol, including bars, restaurants, caterers, liquor stores, and special event organizers. Is coverage written on an occurrence or claims-made basis?Coverage is available on either an occurrence or claims-made basis, except in Michigan and Minnesota where only one form may be offered due to state regulations. What is the minimum premium for this program?Minimum premiums start at $3,100 for bars, taverns, and bowling alleys, and $1,250 for other eligible classes, depending on coverage limits and risk classification. Which carrier backs this program?The Liquor Legal Liability program is backed by AIG, a well-established carrier with strong financial ratings and industry expertise. Is this program available in all states?Yes, AI Risk offers this program in all 50 states and Washington D.C., with both admitted and non-admitted options depending on the risk and location. Need help placing an account? Connect with a market specialist.

Key Risk Groups: Current ProgramConnect Products: Insurance agents and brokers, real estate agents and brokers, employment agencies, executive recruiters, search firms, temp and temp-to-hire firms, medical billing service firms, claims adjusters, examiners, mortgage brokers, answering services/alarm monitoring companies, convention/tradeshow arrangement service providers, court recorders/stenographers, information retrieval services, interior designers/decorators/space planners (non-structural), land surveyors, management consulting of market appraisal and feasibility studies, marketing consultants/researchers, mailing service providers, medical information service providers, notaries, paging services, printers/printing firms (non-financial), public relations firms/consultants, publishers, telemarketing firms, non-medical testing labs, other non-financial consultants, travel agents. Overview of the Program from AI Risk: AI Risk offers a flexible and comprehensive Miscellaneous Professional Liability program designed specifically for professionals who fall outside traditional categories. With access to AIG as the carrier and availability in all 50 states, this program is ideal for agents and brokers looking to place specialized risks with confidence. Whether your clients are consultants, service providers, or niche professionals, AI Risk understands the unique exposures they face and offers tailored solutions to meet their needs. Ideal Accounts and Appetite: This program targets a wide range of professional service providers, including but not limited to: Insurance and real estate agents/brokers Employment agencies, executive recruiters, temp and staffing firms Medical billing services and claims adjusters Mortgage brokers and financial document processors (non-investment related) Interior designers (non-structural), marketing consultants, public relations firms Notaries, telemarketing firms, publishers, and mailing services You might have a client operating a niche marketing consultancy or a convention planning company—both are excellent fits for this program. Coverage Highlights and Advantages: Miscellaneous Professional Liability written on a “claims-made” basis Coverage tailored with class-specific endorsements and amendments First-dollar defense available for P&C insurance agents and brokers Defense costs are outside the limits of liability Separate limit available for disciplinary proceedings Coverage extends to services rendered over the internet This flexibility allows agents to meet the evolving risk profile of modern service businesses. Underwriting Notes and Minimum Premiums: Minimum premiums typically start at $2,500, but may vary depending on state regulations, selected limits, and the classification of risk. AI Risk uses a class-based underwriting approach to assess and tailor the policy for each insured. Territories and Availability: This program is available in all 50 states and Washington, DC, providing national access for your clients. Whether you write business in California, Texas, New York, or anywhere in between, AI Risk can support your placement needs. Why Work With AI Risk on This Business: As a Managing General Agency and Carrier, AI Risk combines underwriting expertise with direct market access to AIG. Their deep understanding of professional liability exposures in non-traditional classes makes them a valuable partner for agents and brokers seeking a reliable market for hard-to-place risks. With broad appetite, flexible coverage terms, and national availability, AI Risk helps you deliver quality solutions for your clients. Frequently Asked Questions What types of accounts are a good fit for AI Risk’s Miscellaneous Professional Liability program?This program is ideal for non-traditional professional service providers such as consultants, marketing firms, temp agencies, interior designers (non-structural), and real estate or insurance agents. Is this program available nationwide?Yes, the Miscellaneous Professional Liability program from AI Risk is available in all 50 states and Washington, DC. What is the minimum premium for this program?The minimum premium typically starts at $2,500, depending on the state, class of risk, and selected coverage limits. Does the coverage include defense costs?Yes, defense costs are in addition to the limits of liability. First-dollar defense is also available for P&C insurance agents and brokers. Can this program cover services provided online?Yes, the policy includes coverage for professional services rendered over the internet, a key benefit for modern service firms. Need help placing an account? Connect with a market specialist.

Overview — AI Risk Education Program AI Risk offers a focused Education program designed for independent agents and brokers placing private K–12 schools and private colleges/universities with up to 10,000 students. The program provides broad campus protection through packaged property and casualty options with AIG capacity, including primary commercial general liability, lead umbrella, and specialty coverages that schools often require. Ideal Accounts and Appetite This program is targeted toward private educational institutions where the sponsor or operator wants consolidated coverages under one program. Typical fits include: Private kindergarten through 12th grade schools (day schools and small boarding schools). Private colleges and universities with total enrollment of 10,000 students or fewer. Campuses and facilities with school-owned student housing, athletic facilities, and administrative buildings. Accounts with significant on-campus research hazards, high-hazard operations, or very large student populations may be outside the appetite. Contact AI Risk underwriting for borderline or complex exposures. Coverage Highlights and Advantages Property coverage for buildings, contents and business interruption tailored to campus operations. Inland marine and valuable papers & records coverage to protect student and institutional records. Machinery and equipment breakdown to cover HVAC, boilers and campus mechanical systems. Crime coverage for employee dishonesty, theft and funds transfer exposures. Primary commercial general liability with optional lead umbrella capacity through AIG. Incidental medical malpractice — useful for on-campus clinics, athletic trainers, and health services. Abuse & molestation coverage — available as part of the program to address one of the most sensitive campus exposures. Limited pollution coverage for accidental releases from heating systems, maintenance operations or student housing. Underwriting Notes Underwriters will evaluate campus exposures, historical claims, risk management practices, and student population size when considering submissions. Common submission items that help speed placement include: Current ACORD applications and a detailed description of campus operations. Five years of loss runs and explanation of any large or recurring claims. Property schedule with values by building and construction and protection details (sprinklers, fire alarms). Policies and procedures for background checks, child protection, campus safety and incident reporting. If minimum premium requirements apply they will be provided by AI Risk during the quoting process. Territories and Availability The AI Risk Education program is available in the following jurisdictions: 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 Why Place This Business With AI Risk AI Risk combines program-focused underwriting with AIG capacity to deliver broad, school-specific solutions. For agents, that means: Single-source quoting for multiple campus coverages. Access to umbrella capacity and specialty coverages like abuse & molestation and incidental med-mal. Underwriters experienced with educational exposures who can work with you on risk improvement recommendations and tailored terms. Example Account Scenarios A 600-student private K–12 independent school seeking property, liability and abuse coverage for on-campus after-school programs and a small health clinic. This account fits the program’s typical appetite. A private liberal arts college with 3,200 enrolled students requesting property, student housing liability, limited pollution and equipment breakdown coverage for campus mechanical systems. AI Risk can package these coverages with AIG umbrella capacity. If you represent schools or campuses that match the size and exposures above, AI Risk’s Education program is positioned to provide competitive, consolidated protection with underwriting that understands the unique risks of educational institutions. Frequently Asked Questions What types of educational institutions are a good fit for this program?The program is designed for private K–12 schools and private colleges/universities with enrollment up to 10,000 students. It is best for campuses seeking packaged property and casualty coverage, including student housing and on-campus services. Which coverages are included or available through the program?Core offerings include property, inland marine, machinery and equipment breakdown, valuable papers and records, crime, primary commercial general liability, lead umbrella capacity, incidental medical malpractice, abuse & molestation, and limited pollution coverage. What underwriting information should I submit to get a quick review?Provide completed applications, property schedules, five years of loss runs, descriptions of campus operations (including student housing and clinics), and documentation of safety or child protection policies. These items help underwriters assess risk and accelerate quotation. Is this program available nationwide?The program is available in the states listed above. Availability may vary by state and by specific coverage line; submit accounts for state-by-state confirmation. Who provides the insurance capacity for the program?AI Risk places this Education program with capacity from AIG, combined with AI Risk’s program underwriting and administration to deliver campus-focused solutions. Need help placing an account? Connect with a market specialist.