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Workers Compensation Insurance for Theaters Novatae Risk Group offers a speciali...erformance venues such as community theaters, regional theaters, touring production companies, an...

...al societies, botanical gardens, theaters, and more. With underwriting experti...

...s League Facilities Theater/Amphitheaters Entertainment Circuses Concert Pro...rses) Venues such as arenas, amphitheaters, theaters, and convention centers Motorsp...

McGowan Program Administrators Historical Institutions Insurance Overview The McGowan Companies’ Historical Institutions Insurance program is a specialty market designed for museums, cultural institutions, performing arts groups and related nonprofit organizations. As a managing general underwriter, McGowan offers tailored combinations of umbrella, directors & officers (D&O), employment practices (EPLI) and fiduciary liability coverage through a variety of admitted and non-admitted markets. Coverage options are structured to protect institutional assets, volunteer leadership, employees and the organization’s reputation from the unique exposures faced by historical and cultural institutions. Ideal Accounts and Target Classes This program targets not-for-profit and municipal/affiliate institutions with exposures common to museums, galleries and cultural venues. Typical classes we place include: Aquariums, planetariums and nature centers Arboretums, botanical gardens and natural history museums Art galleries, children's museums and general museums Historical societies & museums and heritage organizations Orchestras, theater groups and other performing arts organizations Accounts with paid staff, active volunteer programs, and boards with fiduciary responsibilities are a particularly good fit. Coverage Highlights Umbrella limits: $1M – $25M (available to follow form over specified underlying lines) Directors & Officers (D&O): $1M primary limits with broad features Employment Practices Liability (EPLI): $1M limits Fiduciary Liability: $500,000 limits Key D&O features include defense costs outside the limits, coverage for monetary and non-monetary claims, personal injury offense coverage, third-party discrimination, defense of breach of third-party contract claims and publishers liability. EPLI wording names the organization, executives, employees and volunteers as insureds to reflect the makeup of cultural institutions. Available Umbrella "Follow Form" Coverages Umbrella follow-form capacity can be written over: General Liability Automobile Liability Employee Benefits Liability Directors & Officers Liability Employers Liability Liquor Liability Underwriting Notes Underwriting focuses on governance, risk management practices, claims history and exposures tied to volunteers and public events. Accounts with robust board oversight, formal HR practices, documented volunteer supervision and secured exhibition handling score favorably. High-risk features such as primary liquor exposure without controls, large unguarded populations, or significant special event admissions may require additional terms or decline. Carrier availability varies by account and state. Please submit with current financials (if available), a description of operations and any recent loss runs to obtain market-specific terms. Minimum premiums and final placement terms are set by the admitted or non-admitted carrier selected for each risk. 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. Carrier options and admitted status may vary by state. Why Place This Business With The McGowan Companies McGowan Program Administrators combines niche underwriting expertise with access to multiple markets, giving brokers flexibility to place complex cultural and nonprofit risks. The program is designed for efficient quoting and placement for accounts that need management liability, employment practices and umbrella layering that align with the operational realities of museums, galleries and performing arts organizations. Example Scenarios You have a midsize historical society with paid staff, a 12-member volunteer board and annual special events — this program can combine D&O, EPLI and umbrella limits to address leadership, employee and third-party exposures. You represent a regional children’s museum that hosts classes, summer camps and ticketed public exhibitions — EPLI with volunteer coverage plus umbrella follow-form capacity may be appropriate to protect both day-to-day operations and special events. For submission guidance and current appetite, contact McGowan Program Administrators. Provide a brief operations statement, current underwriting application, and loss history to begin placement. Frequently Asked Questions What types of historical institutions are a good fit for this program?This program is geared to museums, galleries, botanical gardens, arboretums, nature centers, planetariums, orchestras, theater groups and similar cultural nonprofits—especially those with a formal board, paid staff and organized volunteer programs. Which limits and coverages are available?Available coverages include umbrella limits from $1M to $25M, D&O ($1M), EPLI ($1M) and fiduciary liability ($500,000). Umbrella follow-form options can sit over GL, auto, employee benefits, D&O, employers liability and liquor liability where appropriate. Are placements admitted or non-admitted?Carrier selection varies by state and account—placements may be admitted or non-admitted depending on the market. McGowan will advise on carrier options and regulatory position during quoting. What submission materials improve placement speed?Include a current operations summary, recent loss runs (typically five years if available), an application for management liability and a description of volunteer and event policies. Strong governance and documented HR practices help secure favorable terms. Need help placing an account? Connect with a market specialist.

Alarm Companies Insurance Insurance for Alarm Contractors, Installers and Security Companies Overview — RSG National Specialty Programs Ryan Specialty National Programs (RSG National Specialty Programs) offers a focused national program for alarm installers, alarm contractors and security companies. As a program administrator, RSG works with an exclusive carrier relationship and experienced program specialists so retail agents and brokers can secure comprehensive commercial coverage for clients in the low- to mid-market. Use this program when your clients need tailored general liability, professional liability and related coverages for alarm, access control and low-voltage operations. Ideal Accounts and Appetite Alarm and security contractors with mixed commercial and residential exposure. Installation-only or installation + monitoring operations. Clients doing CCTV, access control, home automation, home theater integration or low-voltage work tied to security systems. Small to mid-sized businesses that have written customer contracts (including liquidated damages clauses) and reasonably managed third-party exposures. Less appropriate: accounts with significant burglary-response operations that place employees in hazardous environments, high-loss prior histories without mitigation, large national integrators requiring admitted paper or unique state filings. Always confirm fit with underwriting before submission. Coverage Highlights and Advantages Primary General Liability designed for alarm contractors and installers. Professional Liability / Errors & Omissions to address faulty installation, system failures and monitoring mistakes. Personal Injury, Lost Key, and Care/Custody & Control extensions often available to mirror common industry exposures. Excess / Umbrella limits are available with in-house binding authority up to $10,000,000. Package options: Workers’ Compensation, Commercial Auto, Crime, Property and Inland Marine to build broader placements through the same program. Underwriting Notes and Minimum Premiums Typical submission requirements include a completed supplemental application, ACORD forms, five years of currently valued loss runs, and a copy of the customer contract that includes a liquidated damages clause. Minimums: General Liability minimum premium is $500. Underwriting will review contract language, installation practices, monitoring arrangements, and prior loss trends. Territories and Availability Available nationwide through the following jurisdictions: 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. Admitted status: No States — verify admitted vs. non-admitted placement with program specialists for any state-specific requirements. Why Work with Ryan Specialty National Programs Program-focused underwriting with a specialty appetite for alarm and low-voltage trades. Access to a carrier relationship that supports both primary and excess limits and multiple ancillary lines. Responsive program specialists who can help structure submissions, identify gaps and coordinate multi-line placements. Example fits: You might have a regional alarm installer that performs commercial and residential installations, carries written customer contracts, and needs GL with E&O plus commercial auto — this program is built to address that package. Or you might place a home-automation integrator that needs primary GL with lost-key and care/custody extensions alongside inland marine for installed equipment. Submission Checklist Completed supplemental application ACORD applications/forms Five years currently valued loss runs Customer contract copy (with liquidated damages clause) Contact us today for more information on our Alarm Companies Insurance program! Frequently Asked Questions What types of alarm and security businesses are a good fit for this program?Installation and monitoring contractors, CCTV and access control installers, home automation and home-theater integrators with commercial and residential exposure and standard customer contracts are ideal. Larger national integrators or accounts with unmanaged high-risk operations may not fit. Which lines can I package through this program?Primary General Liability and Professional Liability (E&O) are core. Excess/umbrella, workers’ compensation, commercial auto, crime, property and inland marine are commonly available to create a multi-line placement. What are the key underwriting items I should include with a submission?Provide a completed supplemental application, ACORD forms, five years of currently valued loss runs and the insured’s customer contract that includes any liquidated damages clause. Clear contract terms and recent loss history help speed review. Is this program available in my state?The program is available across the states listed in the storefront. Because filings and admitted status can vary, confirm admitted vs. non-admitted availability and any state-specific requirements with the program specialists before submitting. What is the minimum premium to know up-front?The program’s minimum General Liability premium is $500. Final pricing depends on class, limits, exposures and loss history — include complete submission details for the most accurate indication. Need help placing an account? Connect with a market specialist.

Novatae Risk Group, in partnership with Empire Underwriters, offers a specialized Non-Standard Workers’ Compensation program tailored to heavy construction contractors. Designed to place difficult-to-insure risks outside the standard market—because of high experience mods, adverse loss history, or challenging class codes—this program pairs over 30 years of market experience with dedicated brokerage support to deliver practical, customizable coverage solutions for your clients. Ideal Accounts and Appetite Contractors operating heavy equipment or performing heavy construction with class codes showing manual rates typically from $8 to $50+. Accounts with experience mods (X-Mods) generally between 1.30 and 3.0. Prospects facing non-renewals, cancellations, or insurer declinations due to claims activity or class exposure. Insureds exiting state-assigned risk pools or other “insurer of last resort” programs. Accounts with lapsed coverage, limited prior coverage, or adverse loss experience. New ventures with no prior coverage that operate in tough classes or across multiple states. Complex submissions that the standard market cannot serve because of combined underwriting challenges. This program is not intended for accounts that have standard-market offers, low loss picks, or are simply rate-shopping. Coverage Highlights and Advantages Pay-As-You-Go non-standard workers’ compensation with no premium deposit required. No premium audits—simplifies administration and improves cash flow. Meaningful cash-flow advantages for insureds and reduced administrative burden for brokers. Comprehensive loss control and risk management services to help reduce frequency and severity. Fair, responsive claims handling backed by experienced adjusters. HR support services that include unemployment claims, wage garnishments, COBRA administration, and more. Full payroll services with tax compliance (941s, W-2s, etc.) and the option for clients to cut payroll checks in-house. Flexible servicing options: ASO (Administrative Services Only) or PEO/employee leasing where appropriate. High-retention product structure—coverage remains in force until canceled. Underwriting Requirements Completed ACORD 130 form. Supplemental application specific to the class of work. Three years of loss runs. Loss history affidavit for accounts with coverage lapses or no prior coverage. Detailed explanation for individual claims exceeding $20,000. Experience Mod worksheet (Experience Mod Sheet). Territories and Availability This program is available in most states, including 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, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, DC, WV, and WI. Carrier availability, admitted vs. surplus lines placement, and specific terms may vary by state and submission. Why Work With Novatae Risk Group Novatae Risk Group, together with Empire Underwriters, combines deep expertise in high-risk and non-standard workers’ compensation with broad carrier access. As a managing general underwriter and excess & surplus lines broker, we can place business in admitted and E&S markets as appropriate and offer tailored solutions for accounts that standard markets decline. Our underwriting team works collaboratively with agents to evaluate complex loss histories, structure competitive terms, and expedite placement. Representative submission scenarios you might bring to this program: A regional heavy-equipment contractor with a 1.8 experience mod and multiple prior claims seeking continuous coverage after a state-assigned pool offer expires. A multi-state startup in heavy civil construction with no prior workers’ comp coverage but high manual rates and planned interstate projects. Need a Non-Standard Workers’ Comp quote for a heavy construction client? Send your submission to [email protected] or call 800-758-8113 to speak with an underwriter today. Frequently Asked Questions What types of accounts are a good fit for this program?This program is best for heavy construction contractors with elevated experience mods, prior significant losses, or those leaving state-assigned risk pools. New ventures in tough class codes or multi-state operations can also qualify under the right circumstances. Is prior coverage required to qualify?No. Prior coverage is not required. Accounts with no prior coverage may be eligible if they meet other underwriting criteria such as high-risk class codes, acceptable financials, and clear explanations for any gaps. What documentation is required for submission?Typical requirements include a completed ACORD 130, the supplemental application for the class, three years of loss runs, an Experience Mod Sheet, and explanations for claims over $20,000. Additional documentation may be requested for lapses or complex claims histories. Can this program be used for multi-state operations?Yes. Multi-state operations are eligible provided the locations fall within the program’s approved territories and meet state-specific underwriting guidelines. Interstate exposure is considered during evaluation. What makes this program different from standard market workers' comp?This program is built for risks the standard market often declines. It offers pay-as-you-go billing with no deposit, no premium audits, flexible ASO or PEO options, robust HR and payroll support, and targeted loss control services designed for heavy construction exposures. Need help placing an account? Connect with a market specialist.

Property management operations present a broad range of workers' compensation challenges — multiple property types, varied employee duties, seasonal or transient staffing, and multi-jurisdiction exposures. Novatae Risk Group offers a specialized Non-Standard Workers Comp Insurance program tailored to property management risks that are difficult to place in the standard market. The program helps agents and brokers secure reliable coverage for higher-exposure or hard-to-place accounts. Backed by more than 30 years of experience and delivered in partnership with Empire Underwriters, Novatae's program provides flexible solutions to control costs, improve compliance, and simplify claims handling. It is designed to serve accounts exiting assigned-risk pools or state funds, non-renewed accounts, new ventures with operational need, and other non-standard placements where standard markets are unwilling or unable to offer terms. Ideal Accounts and Appetite Property management firms with difficult class codes and elevated experience mods (X-mods typically 1.30–3.00) Accounts leaving state funds, assigned-risk, or an insurer of last resort Non-renewed or canceled accounts with prior loss activity New ventures or startups with no prior coverage but valid payroll and operational plans Accounts with coverage lapses that can provide a loss affidavit and supporting documentation Example fits: you might have a client who manages multiple apartment communities with on-site maintenance and security staff and a recent claims history, or a property manager of retail centers that experienced prior coverage gaps and increasing payroll exposure. Coverage Highlights and Advantages Pay-As-You-Go workers' comp — no premium deposit required No premium audits, reducing administrative burden for clients and brokers Improved cash flow through flexible premium and payroll options Dedicated loss control and risk management support tailored to property operations Claims handled proactively with an emphasis on containment and fair outcomes HR support services including unemployment claims, garnishments, COBRA administration, and related services Full payroll services with tax remittance, 941s, W-2s, and payroll compliance support In-house check cutting and other payroll fulfillment options ASO (Administrative Services Only) and PEO (employee leasing) structures available where appropriate High-retention policy design — coverage remains active until canceled per policy terms Underwriting Notes and Minimum Premiums Required submission items: ACORD 130, applicable class supplemental form, three years of loss runs, a loss affidavit for lapsed or no-prior accounts, explanation for any claims over $20,000, and current experience mod sheets Minimum premiums vary by state and by risk class; underwriters will advise at review Only accounts that meet one or more eligibility criteria will be considered; this is not a market for accounts that have competitive standard-market offers Not suitable: low X-mods or accounts simply shopping for lower rates when standard coverage is available Territories and Availability The Non-Standard Workers Comp for Property Management program is available in most states, including 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, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, DC, WV, and WI. Carrier access and specific appetite vary by state — carriers vary per state and placement is subject to local market availability. Why Work With Novatae Risk Group? Novatae Risk Group is a Managing General Underwriter and Excess & Surplus Lines broker focused on challenging workers' compensation placements. Our underwriters understand the operational nuances of property management and work with Empire Underwriters to provide non-standard solutions, streamlined underwriting, and a suite of value-added services that make placement and administration easier for you and your clients. Need a quote? Email [email protected] or call 800-758-8113 to speak with an underwriter today. Frequently Asked Questions What types of accounts are a good fit for this program?This program targets property management companies with difficult class codes, elevated experience mods, prior claims issues, or those exiting assigned-risk pools or state funds. Can I submit an account that has had a lapse in coverage?Yes. Accounts with a lapse can be considered if they meet underwriting criteria and include a completed loss affidavit plus supporting documentation. Is prior coverage required for eligibility?No. New ventures or accounts with no prior coverage may be eligible, particularly when they fall into tough classes or have multi-state exposures. Are premium audits required?No. One advantage of this program is the absence of premium audits, which reduces administrative work and helps clients manage cash flow. Which states is this program available in?The program is offered in most U.S. states (see Territories and Availability above). Market access and carrier appetite vary by state and by class. Need help placing an account? Connect with a market specialist.

Do you have clients with hard-to-place Workers Compensation risks or accounts being forced into the state fund? Novatae Risk Group offers a specialized Non-Standard Workers Comp Insurance program through Empire Underwriters, tailored for businesses that don’t qualify for traditional markets. This program is designed for operations with high-risk classifications, adverse loss histories, lapses in coverage, or other underwriting challenges. With over 30 years of experience, our team understands the nuances of difficult classes and distressed accounts. Whether your client’s policy was non-renewed, canceled, or they’re looking to exit the assigned risk pool, we can help you deliver an alternative solution. Our brokers are ready to assess your submissions and provide flexible, competitive options backed by strong carrier relationships. Call us today at 800-758-8113 to discuss your Non-Standard Workers Comp accounts with an experienced broker. Program Highlights: Pay-As-You-Go Workers Comp – ideal for cash flow management No premium deposit required No premium audits HR support services – including COBRA, garnishments, and unemployment claim assistance Comprehensive payroll services – tax remittance, W-2s, 941s, and more Risk management and loss control services Aggressive, fair claims management Client flexibility – PEO, ASO/Non-PEO, and in-house check cutting options High-retention product – continuous coverage until canceled Ideal Accounts and Target Classes: This program is designed for businesses that fall outside the standard market appetite due to operational risk, loss history, or other underwriting challenges. We specialize in tough classes, including but not limited to: Manufacturing Artisan Contractors Heavy Construction Roofing (min. $150,000 gross payroll) Landscaping Demolition Excavation and Grading Masonry and Concrete Swimming Pool Contractors Painting Property Management Pool Plastering Gunite Contractors Framing and Carpentry Janitorial and Residential Cleaning In-Home Care and Assisted Living Residential Care Facilities Transportation and Freight Handling Warehousing Farming Eligibility Guidelines: Accounts urgently seeking to exit the state fund or assigned risk pool Non-renewed or canceled accounts with X-Mods between 1.3 and 3.0 Accounts with prior losses or heavy claims activity Risks with lapse in coverage or no prior coverage Accounts with governing class codes and manual rates between $8–$50 and a high X-Mod All accounts must meet at least one of the above criteria to be eligible for our PEO division. Accounts already receiving standard market quotes or simply “shopping around” are not eligible. Submission Requirements: Completed Acord 130 Class-specific supplemental (available on our webpage) Three years of loss history Loss affidavit (if lapse in coverage or no prior coverage) Explanation of any claim over $20,000 Experience mod sheet Need a Non-Standard Workers Comp Quote? Email your submission to [email protected] or call 800-758-8113 to speak with an underwriter today. Territories and Carrier Access Novatae Risk Group offers this program in all 50 states and the District of Columbia. Carrier availability and program structure may vary by state. We leverage access to multiple markets to provide flexible, competitive options for tough-to-place risks. Why Work With Novatae Risk Group? As a leading Managing General Underwriter and Excess & Surplus Lines Broker, Novatae Risk Group brings deep underwriting experience in complex and distressed Workers Compensation accounts. Our team works closely with agents and brokers nationwide to solve placement challenges and deliver tailored solutions that meet your client’s needs. Put our knowledge and market access to work for you. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for high-risk or distressed accounts, such as those with prior claims, high X-Mods, lapses in coverage, or tough class codes like roofing, demolition, or in-home care. Can you help clients who have been non-renewed or canceled by standard markets?Yes. We specialize in accounts that have been non-renewed or canceled due to losses or underwriting issues and are being directed to the state fund or assigned risk pools. Is prior coverage required to qualify?No. We can consider accounts with no prior coverage, as long as they meet other eligibility criteria such as tough class code or adverse underwriting history. What documentation is needed to submit an account?You’ll need a completed Acord 130, a class-specific supplemental, three years of loss history, any necessary affidavits, and experience mod details. Which states is this program available in?The program is available in all 50 states and Washington, DC. Market availability and terms may vary by state. Need help placing an account? Connect with a market specialist.

Overview of the PEO Program from Novatae Risk Group Novatae Risk Group offers a specialized PEO solution tailored for staffing companies that face challenges securing workers' compensation coverage in the standard market. Through our program, agents and brokers can find placement options for difficult staffing accounts—particularly those affected by high experience mods, prior losses, tough class codes, or multi-state exposures. Our PEO for Difficult Staffing Accounts, powered by Empire Underwriters, delivers flexible and creative alternatives to state funds, assigned risk pools, or carriers who are unwilling to renew. With access to top-rated AM Best carriers and a wide range of program structures, we help you place hard-to-write risks efficiently and competitively. Ideal Accounts and Target Classes Staffing firms exiting state funds or assigned risk pools Accounts with X-Mods between 1.30 and 3.0 Clients recently non-renewed or cancelled due to losses Risks with a lapse in coverage (case-by-case basis) Multi-state staffing firms or those with adverse underwriting history Target staffing classes include Construction, Light Industrial, Healthcare, IT/Technical, Clerical, Administrative, Hospitality, and Skilled Trades. We will consider most class codes, depending on the state and risk profile. Example: You might be working with a staffing agency that places light industrial workers across three states and was recently dropped by its carrier after a year of losses. That’s a strong candidate for our PEO program. Coverage Highlights and Program Benefits Custom-tailored solutions for each account High Deductible and Retroactive Plans available Dividend or Return of Premium eligibility (case-by-case) Loss control and risk management support Fair and expert claims handling Automatic renewals with minimal to no audits HR services and optional benefits administration (ACA compliant) Pay-As-You-Go billing and optional zero premium deposits Full-service payroll with tax filing (941s, W-2s, etc.) Multiple Coordinated Policy Programs (MCCP) Master Policy options aligned with NCCI guidelines Fast turnaround on quotes Commissions Great Commissions – Ranges from 6% to 10% of workers' compensation premium, depending on risk class and account size. Submission Requirements Completed Acord 130 Three years of loss runs Loss affidavit for accounts with no prior or lapse Explanation for any claim over $20,000 Current Experience Mod sheet Class-specific supplemental application (Click here for Supplementals) Territories and Availability Our PEO program is available in all U.S. states except monopolistic fund states. We currently write business in: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WV, WI. Why Work With Novatae Risk Group? As a leading managing general underwriter and E&S broker, Novatae Risk Group delivers access to over 12 top-rated carriers including AIG, Zurich, Hartford, Amtrust, Argonaut, State National, and more. We specialize in placing tough-to-insure staffing risks and provide agents with market access, underwriting expertise, and fast service to help you close more business. Whether you're helping a client transition out of an assigned risk pool or dealing with a tough class code, Novatae gives you the tools and options to find a competitive solution. Frequently Asked Questions What types of accounts are a good fit for this PEO program?Staffing companies facing non-renewal, high X-Mods, prior losses, or those exiting state funds are ideal. We also accept multi-state risks and tough class codes. Do you offer coverage in all states?We write in all states except monopolistic fund states, including CA, FL, TX, NY, and many others. What carriers do you work with for this program?We have access to over 12 top-rated carriers including AIG, Zurich, Hartford, Amtrust, Argonaut, and more. How fast can I get a quote?We offer quick turnaround on most submissions, provided all required documents are complete and accurate. What documents are needed to submit an account?You'll need a completed Acord 130, three years of loss runs, Experience Mod sheet, explanations for large claims, and a class-specific supplemental form. Need help placing an account? Connect with a market specialist.