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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.

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.