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Innovanté Benefit Administrators provides a multi-pronged strategy that results in compelling discounts and savings for our clients. Our core services include: •Claims adjudication and customer service •Online enrollment and billing •Plan documents and ID card production •Unlimited benefit plan arrangements, including HSAs, HRAs, and FSAs, including education •COBRA and HIPAA administration •Bank reconciliations We also provide: •Compelling customized provider network options and discounts •National Provider Networks •Executive summary reporting with drill-through capabilities and multiple format options •Pharmacy and medical claims data integration to mitigate claims expense •Surgical benefit management, domestic and international options available •Robust online technology with member, employer, broker portal access •Online purchase of OTC health products •Fully insured exclusive transplant network •Transplant and renal dialysis networks •Bilingual customer representatives Innovanté offers extremely competitive and compelling options for employees and brokers. Innovanté’s services include: •Medical •Vision •Dental •Flex •HRA and HSA Administration •Pharmacy •iFIT Health & Wellness Programs ?Complete biometric screening yielding stop-loss discounts ?Health risk assessment ?Health self-management programs ?24/7 physician telephonic office visits with prescription authorizations ?24/7 NurseLine ?Utilization review ?Case management ?Disease/population management ?Maternity program ?Flu shot program •Employee Assistance Program To learn more about Innovanté’s service offerings, please visit www.Innovanté.net.

...ers of the world 24/7 telephone and web-based medical assistance ...

Errors & Omissions Insurance Program from First Choice Insurance Intermediaries, Inc. First Choice Insurance Intermediaries, Inc. offers a competitive Errors & Omissions (E&O) Insurance program designed for professionals and service-based businesses that face claims of negligence, misrepresentation, or failure to perform. As a wholesale broker with broad market access, First Choice helps independent agents place tailored professional liability coverage when clients need protection for advice, consulting, design, or other professional services. First Choice places E&O for a wide range of industries. Whether your insured is a consultant, real estate professional, technology services vendor, or allied health specialist, this program provides flexible underwriting and market options to deliver appropriate limits and defense coverage. Ideal Accounts and Appetite The program targets professionals and firms that provide advice, recommendations, or specialized services. Typical classes include: Consultants and business advisors Real estate agents and brokers IT and technology service providers Allied health professionals (non-physician) Marketing, media, and design firms Insurance agents and adjusters Property managers and home inspectors Because coverage is placed through non-admitted markets, the program can be a solution for accounts that require more tailored terms than admitted options typically allow. Coverage Highlights and Advantages Key protections and program benefits available through First Choice include: Defense costs for covered allegations—even if the claim is groundless Judgment and settlement coverage up to policy limits Deductibles beginning at $1,000 Premium financing to help make larger placements more affordable Access to multiple non-admitted markets for customized solutions For example, you might place a tech consultant facing a client claim for project delays and resulting financial loss. This program can combine appropriate limits, defense cost handling, and tailored exclusions to address that exposure. Underwriting Notes Each submission is individually underwritten so policies reflect the specific risk profile of the professional class. While there is no published minimum premium, deductibles start at $1,000 and terms vary by carrier and risk. First Choice will work with you to structure coverage and present the account to the right markets. Territories and Availability This Errors & Omissions program is available to licensed agents in the following states: AL, CA, CO, CT, DE, FL, GA, IL, IN, KS, LA, MD, MA, MI, MO, NV, NJ, NM, NY, NC, OH, OR, PA, SC, TX, VA, WA, and WI. Placement through non-admitted carriers provides additional flexibility across these territories. Why Work with First Choice Insurance Intermediaries, Inc.? First Choice is a wholesale broker with deep professional liability expertise and broad carrier relationships. Working with them gives agents access to markets and underwriting that are often difficult to place directly. Their team focuses on responsive service, market advocacy, and crafting solutions for harder-to-place or niche E&O risks. Partnering with First Choice lets you deliver competitive quotes and flexible coverage structures while relying on experienced wholesale underwriting support. Frequently Asked Questions What types of accounts are a good fit for this E&O program?This program suits consultants, real estate professionals, IT service providers, allied health practitioners (non-physician), marketing/media/design firms, insurance agents, property managers, and similar service businesses with professional liability exposures. Is this program available on an admitted basis?No. The Errors & Omissions program is offered through non-admitted markets to allow greater flexibility in underwriting and policy terms. Are premium financing options available?Yes. First Choice can arrange premium financing to help spread cost for larger policies or clients who prefer monthly payments. What is the minimum deductible for this program?Deductibles start at $1,000. Exact deductible and pricing depend on the carrier, class of business, and underwriting details. In which states is this program available?The program is available in AL, CA, CO, CT, DE, FL, GA, IL, IN, KS, LA, MD, MA, MI, MO, NV, NJ, NM, NY, NC, OH, OR, PA, SC, TX, VA, WA, and WI. Need help placing an account? Connect with a market specialist.

Overview of the Program From J.R. Olsen Bonds & Insurance Brokers, Inc. J.R. Olsen Bonds & Insurance Brokers, Inc. offers a flexible Errors & Omissions (E&O) insurance program designed for a wide range of professional service firms. As a Managing General Agency with access to 25 different insurance companies, J.R. Olsen places E&O coverage for common professional exposures and harder-to-place classes. This program is intended for agents and brokers who need a reliable market for professional liability risks across many professions and transaction types. Ideal Accounts and Appetite The program is tailored for transactional and advisory professionals who face negligence, omission or error exposures in the performance of professional services. Typical classes we place include: Insurance Agents & Brokers Mortgage Bankers / Brokers Escrow Companies Title Companies and Agents Tax Deferred Exchange Attorneys Travel Agents Medical Malpractice Architects & Engineers For Most All Professions, If Not Shown Here Call If you have a professional client not listed above, this program often can consider submissions—especially where prior coverage, loss history and risk management practices are reasonable. Coverage Highlights and Advantages Access to multiple admitted and non-admitted markets through a single MGA, improving placement options for unusual or mid-sized risks. Standard E&O coverages for negligence, errors, omissions and defense costs; available endorsements and policy features depend on carrier selection. Competitive appetite for both renewal and new-business submissions across many professional classes. Underwriting flexibility for firms with limited prior coverage or unique operations, thanks to multiple carrier relationships. Underwriting Notes and Submission Requirements Underwriting varies by carrier and state. Typical documents requested include a completed E&O application, current and prior loss runs, descriptions of services offered, and any engagement letters or contracts. Common considerations that affect placement: Claims history and pending litigation Fee volume and revenue mix Contractual risk transfer (indemnities, waivers, third-party agreements) Risk management practices, staff qualifications and training Minimum premiums and retentions are carrier- and state-dependent. Because J.R. Olsen works with many markets, minimums will vary—submit the full underwriting package for the most appropriate market match. Territories and Availability This program is available 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. Availability and admitted/non-admitted options depend on the chosen carrier and state regulations. Why Work With J.R. Olsen on E&O Business MGA specialization — consolidated access to multiple carriers saves time and improves placement success for difficult or niche accounts. Breadth of markets — 25 carrier relationships increase the chance of finding terms appropriate to the client’s risk profile. Practical underwriting — focused on matching exposures to carrier appetite rather than forcing one-size-fits-all solutions. Service orientation — designed to support producers with submission guidance, underwriting feedback and timely quotes. Two example accounts that fit this program A small title agency with steady volume, clean loss history and a need for lender-side endorsements—multiple carriers can be considered to secure competitive terms. An independent insurance agency seeking E&O limits and tailored policy wording after a prior carrier non-renewal—this MGA’s carrier panel increases placement options for agents with prior coverage issues. Frequently Asked Questions What types of professional accounts are a good fit for this program?The program fits professional service firms such as insurance agents and brokers, mortgage brokers, escrow and title companies, attorneys, travel agents, architects, engineers and many other advisory or transactional professions. If a class is not listed, submit the risk—J.R. Olsen can often find a market. Which states is the program available in?The program is available in 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 and WY. Admitted versus non-admitted options depend on carrier and state rules. What documents are typically required to get a quote?Underwriting commonly requests a completed E&O application, the most recent loss runs, descriptions of services and any sample engagement letters or contracts. More detail may be requested based on the class and carrier selected. Need help placing an account? Connect with a market specialist.

... Senior Vice President, Broker Telephone: 678.225.1381 Cellphone: 404.422....

Official insurance program of the National Association of Broadcasters APU's Radio & Television program from Amwins Underwriting offers a comprehensive, competitively priced insurance solution designed specifically for radio and television broadcast stations. The program addresses the unique exposures of broadcasters—towers and antennas, mobile broadcast units, live remotes, specialized equipment and software, and the business interruption risk that follows a loss—while providing flexible limits and broad capacity to handle both small and large accounts. Highlights: Coverage forms and limits tailored to broadcasters’ needs Underwriting led by a team with 30+ years of media industry experience Capacity for both small-market stations and high-limit accounts Open brokerage — we work with independent agents Mobile broadcasting units available on a replacement cost basis Business interruption and special events coverage available Coverages: Property / Inland Marine Building & Contents Towers & Antennas Business Interruption Broadcast Media Software Mobile Broadcasting Equipment General Liability Live Remotes Crime Automobile Umbrella Access to Workers’ Compensation market (excluding: OH, ND, WA & WY) Overview — Amwins Underwriting Radio/Television Broadcasters Program This program is positioned for agents who place broadcast risks and need an experienced underwriting partner with specialized forms and real capacity. Amwins Underwriting combines a media-focused underwriting team with access to AIG capacity to deliver tailored packages that include property, liability, inland marine and ancillary coverages important to broadcasters. Ideal Accounts and Appetite Full-power television stations and multi-station radio groups (large and small markets) Stations with towers and antennas requiring dedicated tower coverage Clients that operate mobile broadcasting units or perform frequent live remotes Stations that require business interruption, special events coverage, or broadcast-specific software protection Not a good fit: newly formed stations with limited operating history (see requirements), or accounts seeking quotas or proprietary terms not consistent with standard broadcast underwriting. Coverage Advantages Broad set of broadcast-specific coverages — towers, mobile units, live remotes, broadcast software and inland marine. High limits and capacity for larger risks. Special events and business interruption available to protect revenue streams from downtime or event-related exposures. Underwriting Notes & Minimum Premium Minimum premium: $2,500. Minimum eligibility: at least 5 years in operation. Standard submission requirements: completed industry applications, Radio & Television Broadcasters Supplemental Application, three-year currently valued loss history, and Driver Motor Vehicle Reports where applicable. Mobile broadcasting units are offered on a replacement-cost basis. Territories and Availability Available nationwide. Note: automobile coverage is not available in HI and MA. Workers’ compensation access is available through participating markets but excludes OH, ND, WA and WY. Why Place Broadcasters with Amwins Underwriting Specialized underwriting team with deep broadcast experience — pragmatic, media-aware underwriting decisions. Open brokerage model — Amwins Underwriting works directly with independent agents and brokers. Market access and capacity (carrier partnerships include AIG) to support higher-limit placements. Example accounts A regional TV station with owned towers, on-site studios and a mobile news van seeking combined property, tower and business interruption limits. A cluster of small-market radio stations that run frequent live remotes and need inland marine coverage for portable broadcast equipment plus liability for public events. Next steps for agents Submit a complete application package with the supplemental broadcast application, three years’ loss history, and MVRs where applicable. Amwins Underwriting will review for fit and respond with options for primary, excess and ancillary coverages. For product details, refer to the program page: APU's Radio & Television program. Frequently Asked Questions What types of broadcast accounts are a good fit for this program?The program fits full-power TV stations, multi-station radio groups, stations with towers, mobile broadcast units and clients that need business interruption or special events coverage. Accounts should generally have at least five years in operation. Which states and coverages are available?The program is available nationwide. Automobile coverage is not available in HI and MA. Workers’ compensation access is offered but excludes OH, ND, WA and WY. What are the basic submission requirements?Provide completed industry-standard applications plus the Radio & Television Broadcasters Supplemental Application, three years of currently valued loss history, and Driver Motor Vehicle Reports when automobile exposures exist. Is there capacity for larger limits or unique risks?Yes. Amwins Underwriting has capacity to handle both small and large risks, including higher limits, and works with experienced carrier partners to place complex or high-limit accounts. How are mobile broadcasting units handled?Mobile broadcasting units are available on a replacement-cost basis and can be included as part of the property/inland marine package with appropriate limits and deductibles. Need help placing an account? Connect with a market specialist.