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...alarm, security system, and telecommunications industries. This program is des...fire alarm systems, as well as telecommunications and satellite installation s...

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: Residential Home Inspectors (will allow up to 25% light Commercial work). Overview of the Program From AI Risk: AI Risk offers a specialized Home Inspectors Liability program designed to meet the unique needs of residential home inspectors, including those who occasionally handle light commercial inspections (up to 25% of their work). This program is tailored to help you place business for clients needing comprehensive liability protection in a field where professional oversights and environmental exposures can lead to costly claims. Backed by AIG and available in all 50 states plus Washington, DC, this program gives agents access to broad liability coverages underwritten by a carrier with strong financial stability. Whether your client is a one-person operation or a growing inspection firm, AI Risk provides flexible options that can match a variety of risk profiles. Ideal Accounts and Appetite This program is a strong fit for: Residential home inspectors seeking professional liability protection Inspectors who occasionally perform light commercial inspections (up to 25%) Small to mid-sized home inspection businesses looking for comprehensive, customizable coverage You might have a client who inspects residential properties and occasionally gets referrals for small retail or office buildings—this program is designed to accommodate that kind of business. Coverage Highlights and Advantages AI Risk’s Home Inspectors Liability program offers core professional liability coverage with optional endorsements to address key exposures in the home inspection industry: Professional Liability tailored to home inspection services Optional Premises Liability (sublimits apply) Optional Termite Inspection Coverage (sublimits apply) Optional Radon Testing Coverage (sublimits apply) Referral Endorsement for Real Estate Agents and Brokers—protects relationships that drive business These options allow you to build a policy that reflects the actual services your clients provide, helping them stay protected and compliant in a detail-sensitive field. Underwriting Notes and Minimum Premiums The program offers a $1,000,000 limit with a starting premium of $3,150. Lower limits are available at reduced premiums. Underwriting is focused on aligning coverage with actual exposures while maintaining competitive rates. Territories and Availability AI Risk’s Home Inspectors Liability program is available on an admitted basis in all 50 states and Washington, DC. This nationwide availability ensures that you can place qualifying inspection accounts no matter where your clients operate. Why Work With AI Risk on This Business As both a Managing General Agency and carrier partner, AI Risk brings underwriting expertise, responsive service, and access to AIG’s capacity. Their commitment to the home inspection niche means you get a program built around real industry needs—not a generic E&O policy. With flexible coverage options, competitive pricing, and nationwide availability, AI Risk helps you deliver value and peace of mind to your clients in the home inspection field. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for residential home inspectors, including those who do up to 25% light commercial work. Are optional coverages available?Yes. Optional coverages include Premises Liability, Termite, Radon, and a Referral Endorsement for real estate agents and brokers. Sublimits may apply. Is this program available nationwide?Yes, AI Risk offers this program on an admitted basis in all 50 states and Washington, DC. What is the minimum premium for this coverage?The minimum premium for a $1,000,000 limit starts at $3,150. Lower limits are available at reduced premiums. Who is the carrier behind this program?The program is backed by AIG, providing financial strength and stability. 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.

Amateur Sports Insurance Program from AI Risk AI Risk offers a specialized Amateur Sports insurance program designed for organizations that manage, sponsor, or participate in organized amateur athletic activities. As a Managing General Agency and Carrier with access to AIG, AI Risk provides tailored coverage solutions to meet the unique exposures of amateur sports operations. This program is available in all 50 states and Washington, DC. Ideal Accounts and Appetite This program is ideal for a wide range of amateur sports-related organizations, including: Local and regional sports clubs Independent teams and leagues Sports event organizers and sponsors Athletic participants and officials Coaches and volunteer staff Whether it’s a youth soccer league, an adult softball team, or a nonprofit sponsoring weekend tournaments, AI Risk can help you place these accounts with confidence. The program is designed to support both recreational and competitive amateur sports activities. Coverage Highlights and Advantages The Amateur Sports program offers comprehensive General Liability coverage on an ISO "occurrence" form. This includes protection for bodily injury, property damage, and personal injury arising out of sponsored activities such as: Practices, training sessions, and competitions Fundraising events and public promotions Concession operations and office exposures Optional coverages are available to further enhance protection, including: Participant Accident Insurance Directors and Officers (D&O) Liability Sexual Molestation Coverage This flexible program allows agents to tailor policies based on the specific risks of each insured organization. Underwriting Notes and Minimum Premium The minimum premium for General Liability coverage is $2,500. This includes Participants Legal Liability, Spectators Legal Liability, and the option to include Sexual Molestation coverage. AI Risk underwrites with a focus on well-organized and properly supervised amateur sports operations. Accounts with strong risk management practices and clearly defined roles for participants, coaches, and volunteers are preferred. Territories and Availability This program is available in all 50 states and Washington, DC. Whether your client is based in California, Texas, New York, or anywhere in between, AI Risk can support your placement needs with admitted solutions where applicable. Why Work With AI Risk? AI Risk brings deep expertise in underwriting amateur sports exposures. As both a Managing General Agency and Carrier, AI Risk offers competitive and customizable solutions backed by AIG’s financial strength. You’ll benefit from responsive service, underwriting support, and a partner that understands the unique risks involved in amateur athletic programs. Example accounts that may be a good fit include a youth basketball league in Illinois that hosts seasonal tournaments, or a nonprofit organizing adult flag football games in Texas. If your client provides structured, supervised athletic activities, AI Risk’s program offers the protection they need—and the coverage options you want to offer. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for amateur sports teams, leagues, clubs, sponsors, and event organizers who provide structured and supervised athletic activities. What coverages are included in the base policy?The base policy includes General Liability on an occurrence form, covering bodily injury, property damage, and personal injury related to sponsored sports activities. Are optional coverages available?Yes, optional coverages include Participant Accident Insurance, Directors and Officers Liability, and Sexual Molestation coverage. What is the minimum premium for this program?The minimum premium for General Liability coverage is $2,500, which includes Participants Legal Liability and Spectators Legal Liability. In which states is this program available?This program is available in all 50 states and Washington, DC. Need help placing an account? Connect with a market specialist.