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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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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 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.

Contractors Equipment — Program Overview from AI Risk AI Risk offers a Contractors Equipment program designed for commercial construction companies that own and operate heavy equipment and have exposures to on-site real and personal property loss. This program is underwritten with access to AIG capacity and is intended for agents looking to place equipment fleets and jobsite property accounts that require specialized underwriting and flexible terms. Key Risk Groups Construction firms engaged in excavation, land clearing, steel erection, pile driving, wrecking/blasting, dredging, railroad work, and similar heavy civil and commercial construction projects. Ideal Accounts and Appetite General contractors and specialty contractors with owned equipment schedules (dozers, excavators, cranes, pile drivers, loaders, etc.). Contractors with combined needs for contractors’ equipment plus real and personal property located on active job sites. Mid-size to large projects where equipment values are scheduled and loss control practices are in place. Accounts that typically fit: insureds with documented maintenance programs, centralized equipment reporting, and moderate loss histories. The program is best for contractors that need a market capable of handling mixed equipment classes and on-site property exposures. Coverage Highlights and Advantages Built to cover construction equipment exposures and real & personal property at job sites. Underwriting expertise for higher-hazard construction operations (e.g., pile driving, steel erection, wrecking/blasting) when presented with appropriate risk controls and schedules. Access to AIG capacity for larger or more complex placements. Flexible terms for scheduled equipment and combined property packages — useful for accounts that need consolidated coverage for both equipment and site property. Underwriting Notes and Minimum Premiums When preparing submissions, provide complete equipment schedules, values, maintenance practices, operator qualifications, and loss run histories. The program evaluates accounts on operations, equipment age/condition, storage practices, and prior claim patterns. Minimum Premiums: $1,500 for Construction Equipment. $1,500 for Real and Personal Property. Territories and Availability This program is available through AI Risk in the following states: 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. Paper is offered in the listed states with access to admitted capacity through AIG where applicable. Typical Restrictions and When to Refer Accounts that may need special handling or referral include those with significant unresolved prior losses, very high catastrophe exposure without mitigations, or unmanaged rental fleets. Large-diameter specialty risks or accounts lacking documentation of operator training and maintenance may require additional underwriting information. Why Place Business with AI Risk Specialized underwriting focus on contractors’ equipment and on-site property exposures. Direct access to AIG capacity for larger or complex placements. Responsive submissions review — AI Risk works with brokers to identify required documentation and tailor terms for combined equipment/property needs. Example Account Scenarios Example 1: You have a regional excavation contractor with a scheduled fleet of excavators, loaders, and a mid-size crane that needs combined equipment and site property coverage for multiple active projects. This program can provide scheduled equipment coverage with limits appropriate for each machine plus on-site real and personal property protection. Example 2: A contractor specializing in pile driving and steel erection needs coverage for highly specialized equipment and mobile jobsite property. With proper loss history and maintenance records, AI Risk can consider these accounts through AIG capacity. Frequently Asked Questions What types of accounts are a good fit for the AI Risk Contractors Equipment program?Accounts with owned construction equipment schedules and on-site real/personal property exposures — especially excavation, land clearing, steel erection, pile driving, wrecking/blasting, dredging, railroad, and similar heavy contractors — are a good fit when they have documented maintenance and reasonable loss history. What minimum premium should I expect when submitting a new account?The program has minimum premiums of $1,500 for Construction Equipment and $1,500 for Real and Personal Property. Larger accounts and higher limits will require standard underwriting and pricing based on exposure. Which states are eligible for placement through this program?AI Risk offers this Contractors Equipment program in the following states: 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. What information should I include with my submission?Include a complete equipment schedule with values, loss runs (typically 3–5 years), maintenance and operator qualification details, descriptions of operations, and any site-specific risk controls. The more complete the submission, the faster underwriting can assess capacity and terms. Need help placing an account? Connect with a market specialist.

Comprehensive Personal Lines Coverage from AI Risk AI Risk offers a robust portfolio of Personal Lines insurance programs designed to help agents and brokers place a broad spectrum of residential and personal property risks. Whether you’re working with homeowners, renters, or clients with high-value personal possessions, AI Risk provides flexible solutions backed by the financial strength of AIG. As a Managing General Agency and Carrier, AI Risk delivers responsive underwriting and access to admitted markets across all 50 states, including D.C. This makes it easier for you to serve clients coast to coast with competitive, tailored coverage options. Target Accounts and Ideal Clients AI Risk’s Personal Lines program is ideal for agents placing coverage for: Homeowners with standard or high-value dwellings Renters and condo owners seeking reliable contents and liability protection Clients in flood-prone areas needing primary or excess flood insurance Individuals with valuable collections or high-end personal items Owners of vacant dwellings awaiting sale, renovation, or new tenants High-net-worth individuals needing excess personal liability coverage You might have a client with a second home that is currently unoccupied or a renter looking for contents and liability insurance in a flood zone — AI Risk has solutions for both and more. Coverage Options Offered The Personal Lines program includes a variety of coverage types to meet different client needs: Condos & Tenants Insurance Excess Flood Insurance Flood Insurance Homeowners Insurance Personal Articles Floater Personal Umbrella Liability / Excess Personal Liability Insurance Vacant Dwelling Insurance This diversity allows you to offer your clients comprehensive protection under one program, making account rounding easier and more efficient. Underwriting and Market Access AI Risk underwrites on behalf of AIG, offering admitted products in all available states. The program is suitable for both standard and select non-standard risks, depending on the line of coverage. Agents benefit from: Streamlined quote and bind processes Responsive underwriting support Flexible solutions for unique personal risks Minimum premiums vary by line and risk class. Contact AI Risk directly for underwriting guidelines and pricing specifics. Nationwide Availability AI Risk’s Personal Lines programs are available in all 50 states and Washington, D.C., providing nationwide reach for agents and brokers. Whether your client is in Florida, California, New York, or a smaller market like Wyoming, you have access to the coverage they need. Why Partner with AI Risk? AI Risk combines the underwriting strength of a Managing General Agency with the resources of a national carrier. Their partnership with AIG ensures financial stability and broad appetite, while their dedicated focus on personal lines means you get knowledgeable support on every submission. With AI Risk, agents gain: Access to top-rated markets Expertise in residential and high-value personal lines risks Solutions for complex or underserved accounts Whether you’re placing a straightforward homeowners policy or a layered portfolio for a high-net-worth client, AI Risk provides the tools and expertise to help you succeed. Frequently Asked Questions What types of accounts are a good fit for AI Risk’s Personal Lines program?Ideal accounts include homeowners, renters, condo owners, individuals with valuable personal property, and clients needing flood or umbrella liability coverage. Is this program available in all states?Yes, AI Risk offers its Personal Lines program on an admitted basis in all 50 states and Washington, D.C. What carriers underwrite this program?The Personal Lines program is underwritten by AIG, offering financial stability and broad coverage options. Can I place vacant dwelling risks through this program?Yes, AI Risk provides Vacant Dwelling Insurance as part of its Personal Lines offering, suitable for unoccupied homes awaiting sale, renovation, or tenancy. How do I get started submitting business to AI Risk?Visit their company profile on CompleteMarkets or reach out directly to initiate the submission process and receive underwriting guidelines. Need help placing an account? Connect with a market specialist.