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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...

Construction Consultants Insurance Program from Victor O. Schinnerer & Company, Inc. Victor O. Schinnerer & Company, Inc., a Managing General Underwriter with access to CNA, offers a Construction Consultants Insurance program built for the professional liability exposures faced by consultants who support construction, design, and compliance projects. We provide independent agents and brokers a responsive market and underwriting expertise for placing risks that need tailored professional liability solutions. Ideal Accounts and Target Classes This program targets a broad range of construction-related consulting professionals who provide advisory, design, inspection, or technical services. Target classes include, but are not limited to: Air balancers Construction managers Code compliance consultants Elevator consultants Forensic consultants Irrigation engineers Interior designers LEED consultants Lighting consultants Museum/exhibit consultants Photogrammetrists Roofing consultants Sprinkler designers Transportation consultants Telecommunication engineers Whether the client is a solo practitioner or a mid-sized consulting firm, this program can be structured to reflect the scope of services and project exposures. For example, you might place a lighting consultant who provides design and specification services for commercial builds, or an elevator consultant who performs safety reviews and compliance testing—both are well-aligned with this program. Coverage Highlights and Advantages The Construction Consultants Insurance policy through Victor O. Schinnerer & Company offers broad professional liability protection tailored to construction consulting work. Key features include: Professional liability for a wide range of consulting services Incidental pollution and asbestos exposure coverage included Limits available up to $20 million Flexible deductible options, with options starting at $1,000 Competitive minimum premiums beginning at $1,000 This coverage helps protect clients against claims alleging errors, omissions, or negligence arising from their professional services—coverage that is especially important when their work influences design, safety, or regulatory compliance on construction projects. Underwriting Notes and Minimum Premiums Underwriting is performed by specialists experienced in construction consulting exposures. We review submissions with an eye toward the client’s services, project types, contract language, and loss history. Well-documented submissions receive faster turnaround. Minimum premiums start at $1,000, making the program accessible for smaller firms and independent consultants. Territories and Availability This program is available in all 50 states and the District of Columbia. We can consider clients who operate locally or provide services across multiple states. Why Work With Victor O. Schinnerer & Company, Inc.? Victor O. Schinnerer & Company leverages decades of professional liability underwriting experience and a strategic partnership with CNA to deliver tailored coverage and responsive service. As an MGA, we combine market access with hands-on underwriting guidance so you can place construction consulting accounts with confidence. Frequently Asked Questions What types of accounts are a good fit for this program?This program is designed for construction consultants who provide advisory, technical, inspection, or design services—examples include elevator consultants, code compliance experts, interior designers, and other similar professionals working on construction-related projects. Is there a minimum premium for coverage?Yes. Minimum premiums for this program start at $1,000, which makes it competitive for small and mid-sized consulting firms and independent practitioners. In which states is this program available?The Construction Consultants Insurance program is available in all 50 states and the District of Columbia. What carrier underwrites this program?The program is underwritten by CNA, a well-established carrier known for professional liability products, with placements handled through Victor O. Schinnerer & Company, Inc. Does the policy include coverage for pollution or asbestos exposure?Yes. The policy includes incidental coverage for pollution and asbestos exposure as part of its broader professional liability protection. Need help placing an account? Connect with a market specialist.

... Forensic engineers and telecommunications engineers Interior desi...

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.

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.

Self-insurance for workers’ compensation is a strategic choice to retain and fund losses directly instead of transferring them to a traditional carrier. Unlike standard policies, an individual self-insurance program requires a formal plan to pay claims as they occur—using operating cash or a dedicated reserve—along with compliance steps to meet state requirements. Caitlin Morgan Insurance Services helps agents and brokers evaluate, design and place Individual Self-Insurance Workers' Compensation programs. Our team brings programmatic experience and market access to guide you through feasibility analysis, regulatory filings, actuarial review, and vendor selection so your client’s program is structured and compliant from day one. Ideal Accounts and Appetite This solution is built for larger, financially stable employers that can demonstrate strong claims and safety management. Typical fits include manufacturers, large healthcare operations, colleges and universities, and sizable service organizations with robust loss-control programs. You might have a client with 500+ employees facing escalating premiums and limited control over claims handling — an individual self-insurance program can give them transparency, control, and potential long-term savings. Coverage Highlights and Advantages Self-insurance gives your client direct control over claims administration, loss prevention, and cash flow. Key benefits include: Customizable claims handling and selection of third-party administrators (TPAs) Improved cash flow and the ability to tailor reserve management Greater emphasis on workplace safety and loss prevention initiatives Potential cost savings over time for low-loss employers Applicants must also satisfy state-specific requirements such as surety bonds, reserve funding and periodic reporting. Caitlin Morgan supports compliance, actuarial review and provider selection to help ensure a sustainable program. Underwriting Notes Each submission begins with a feasibility and financial analysis. Underwriting looks at claims history, financial strength, industry exposures, safety programs and risk tolerance. There is no fixed minimum premium published here; applicants must show the financial capacity to fund losses and meet state reserve obligations. Territories and Availability Caitlin Morgan’s Individual Self-Insurance Workers’ Compensation Solutions are available nationwide, including all 50 states and the District of Columbia. We place both admitted and non-admitted structures depending on state rules and client profile. Why Work With Caitlin Morgan Insurance Services? As a Managing General Underwriter and Excess & Surplus Lines Broker, Caitlin Morgan offers focused expertise in alternative risk solutions. We provide hands-on support through the full lifecycle—feasibility assessment, program design, regulatory submission, TPA selection and ongoing program oversight. Our market relationships and technical experience help you place complex large-account workers’ compensation programs with confidence. Contact: Gerry Dumke P: (800)723-7475, Ext. 280 [email protected] Frequently Asked Questions What types of accounts are a good fit for this self-insurance program?Large employers in industries such as manufacturing, healthcare, education and certain service sectors with strong financials and active loss-control programs are the best fit. Does Caitlin Morgan assist with claims administration for self-insured clients?Yes. We help you select and manage third-party administrators (TPAs) to ensure efficient, compliant claims handling tailored to the client’s program. What are the main advantages of self-insuring workers’ compensation?Self-insurance provides greater control over claims, improved cash flow management, stronger alignment with safety programs and potential long-term cost savings for well-managed employers. Is this program available nationwide?Yes. Caitlin Morgan supports individual self-insurance placements in all 50 states and the District of Columbia, with admitted or non-admitted options as appropriate. What financial requirements must a company meet to qualify?Applicants must demonstrate financial stability and the ability to fund claims and reserves consistent with state regulations. We perform a detailed financial and feasibility analysis for each submission. Need help placing an account? Connect with a market specialist.

...g Practices • Financial and Telecommunications Services • Educational Institut...

Special Events Insurance Program from AI Risk AI Risk brings specialized insurance solutions for a wide range of special events through our dedicated Special Events program. Designed for independent agents and brokers seeking dependable markets for short-term gatherings, this program offers flexible coverage for a broad array of public and private events. Whether your client is planning a one-day community fundraiser or a multi-day festival, AI Risk delivers coverage tailored to the unique risks that come with organizing special events. Our underwriting expertise and carrier partnership with AIG provide a stable, trusted option for placing this type of business. Ideal Accounts and Event Types This program is an excellent fit for a variety of lower-hazard events, including but not limited to: Arts and Craft Festivals Auctions and Fundraisers Dances and Proms Graduation Ceremonies Luncheons, Banquets, and Business Meetings Picnics and Outdoor Gatherings Receptions and Retirement Parties Seminars, Workshops, and Training Events You might have a client hosting a local craft fair with vendor booths and live music, or a school organizing a graduation ceremony with hundreds of attendees—both would be ideal candidates for this program. Coverage Highlights and Advantages AI Risk’s Special Events program is written on an "Occurrence" form, providing reliable protection for both event organizers and venue owners. Key features include: Limits of $1 million per occurrence / $2 million aggregate Covers bodily injury, property damage, and more Flexible term options for one-time or recurring events Carrier: AIG – a financially strong and recognized insurer Certificates of insurance can be requested as needed, including additional insured endorsements for venues or sponsors. Underwriting Notes and Minimum Premiums Minimum premium starts at $500. Events are reviewed on a case-by-case basis, and underwriting considerations may include attendance size, location, alcohol service, and security measures in place. We recommend contacting your AI Risk underwriter early in the planning process to ensure smooth quoting and binding. Territories and Availability This program is available in all 50 states and the District of Columbia. Whether your client is holding an event in California, Texas, New York, or anywhere in between, AI Risk has you covered. Why Work with AI Risk? As both a Managing General Agency and a carrier-backed program provider, AI Risk offers streamlined underwriting, responsive service, and access to top-tier markets. Our team understands the nuances of special events and is ready to help you place business quickly and accurately. We are committed to helping agents protect their clients’ events from the unexpected—so you can focus on growing your book with confidence. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for low- to moderate-risk events such as festivals, auctions, dances, corporate luncheons, and graduation ceremonies. Is this program available nationwide?Yes, AI Risk’s Special Events program is available in all 50 states and the District of Columbia. What is the minimum premium for this coverage?The minimum premium for this program starts at $500, with final pricing based on event specifics. Can recurring or multi-day events be covered?Yes, coverage can be tailored for single-day, multi-day, or recurring events, depending on underwriting approval. Which carrier backs this program?The Special Events program is backed by AIG, a well-established and financially strong insurer. Need help placing an account? Connect with a market specialist.

Key Risk Groups: Commercial Real Estate Owners, including shopping centers, office buildings, and other commercial buildings. Overview of the Program From AI Risk AI Risk offers a comprehensive Real Estate insurance program tailored for commercial real estate owners. Designed to address the complex exposures faced by property investors and managers, this program provides broad coverage and flexible underwriting to meet the unique needs of each account. As both a Managing General Agency and a Carrier, AI Risk brings specialized expertise and market access to help agents place a variety of commercial property risks. Ideal Accounts and Appetite This program is best suited for mid-size to large commercial real estate owners across a wide range of property types. Target classes include: Shopping centers and strip malls Office buildings and business parks Industrial and warehouse facilities Mixed-use and multi-tenant commercial properties For example, you might have a client with a regional portfolio of suburban office buildings or a real estate investment group managing several shopping centers—these are well within appetite. Coverage Highlights and Advantages The AI Risk Real Estate program offers a broad suite of coverages to protect against property damage, liability claims, and operational risks. Available coverages include: Property Inland Marine Machinery and Equipment Breakdown Valuable Papers and Records Crime General Liability Commercial Umbrella Professional Liability Workers' Compensation This comprehensive package helps insureds manage everything from slip-and-fall liability to catastrophic property losses. The availability of umbrella and professional lines allows you to build customized protection for complex risks. Underwriting Notes and Minimum Premiums AI Risk underwrites each submission with a focus on quality property ownership, loss history, and risk management practices. The program requires a minimum premium of $50,000, making it ideal for larger accounts or portfolios with substantial insured values and/or multi-location risks. Territories and Availability The Real Estate program is available in all 50 states plus the District of Columbia. Whether your client is operating in major metro areas or secondary markets, AI Risk can help you place coverage across a broad geographic footprint. Why Work With AI Risk on Real Estate Accounts AI Risk combines underwriting expertise with access to AIG-rated paper to deliver reliable and competitive solutions for commercial real estate. As both a Managing General Agency and a Carrier, AI Risk offers the flexibility to tailor coverage and pricing to fit complex risks. Agents benefit from responsive service, deep industry knowledge, and a focus on building long-term partnerships. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include owners of shopping centers, office buildings, and other mid- to large-size commercial real estate properties. What is the minimum premium for this program?The minimum premium starts at $50,000, making the program suitable for larger or multi-location risks. What coverages are available under the Real Estate program?Coverages include property, general liability, inland marine, equipment breakdown, crime, umbrella, professional liability, and workers’ compensation. Is the program available nationwide?Yes, the program is available in all 50 states and the District of Columbia. Who is the carrier backing this program?The program is backed by AIG, providing strong financial support and claims handling capability. Need help placing an account? Connect with a market specialist.