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Artisan Contractors Workers Compensation Insurance — U.S. Risk Insurance Group, Inc. U.S. Risk Insurance Group partners with an A-rated carrier to offer a focused, competitively priced workers compensation market for artisan contractors. This program is designed for independent agents and brokers who need an admitted solution with flexible payment options, online servicing, and underwriting that understands trade contractors and small commercial operations. Overview of the Program This program provides guaranteed-cost policies and dividend plan options (available in FL). Key servicing features include online loss runs and responsive wholesale underwriting through U.S. Risk Insurance Group. The product is geared toward small-to-mid premium artisan contractors who require admitted paper and straightforward policy administration. Ideal Accounts and Appetite Small to medium-sized artisan contractors and trade contractors (e.g., carpenters, painters, electricians, plumbers, HVAC service techs) with predictable, controllable exposures. New ventures are eligible — the program will consider start-ups with appropriate underwriting information. Accounts coming out of PEO arrangements are eligible; PEO carve-outs are supported with required documentation. 24-hour shift work is eligible when it is the only exposure beyond standard operations. Coverage Highlights and Advantages Admitted coverage in the listed territories; placement through an A-rated carrier provides claims handling on an admitted basis where available. Product offerings include guaranteed cost policies and dividend plans (Florida only), giving options for agents looking to balance price and loss-sensitive programs. Online loss runs support quick quoting and underwriting referrals. Flexible payment options: direct bill or monthly self-reporting with a non-working payroll deposit. Underwriting Notes and Restrictions Underwriters look for clear, manageable risk profiles. Primary underwriting guidelines include: $2,000 minimum premium (no stated maximum). Group transportation limited to a maximum of five employees per vehicle. Height and underground work restrictions: no more than 20 feet / two stories above ground and no more than 6 feet below ground. Lapses in coverage must be referred to underwriting for review. No maximum experience modification — submissions with higher mods will be considered case-by-case. PEO carve-outs are available but require loss history, a signed PEO/client contract and amendment, and a labor endorsement. Ineligible exposures: domestic staffing, aviation operations, federal coverage, accounts with active tax liens or bankruptcies. Payment Plans Direct bill Monthly self-reporting with a non-working deposit Territories and Availability The program is available in the following states and territories: AL, AK, AZ, AR, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, OR, PA, RI, SD, TN, TX, UT, VT, VA, DC, WV, WI. Note: CA and OK are listed as limited/incidental or cannot be the governing state for the policy. Example Accounts That Fit You might have a small electrical contractor with three crews, steady payroll, and no history of regulatory or financial encumbrances — good candidate for a guaranteed-cost policy. A painting contractor in Florida with stable payroll and low loss frequency could benefit from the dividend plan option available in that state. Why Place This Business With U.S. Risk Insurance Group U.S. Risk provides wholesale distribution and program administration expertise focused on trade and artisan classes. The combination of admitted capacity, targeted underwriting, and practical servicing tools (online loss runs, monthly reporting) helps you place accounts that need admitted protection without unnecessary friction. Underwriters are experienced with PEO transitions and carve-outs, and the program accepts new ventures — giving you more options for clients who may not fit standard retail markets. Frequently Asked Questions What types of artisan contractors are a good fit for this program?Trades such as carpentry, painting, plumbing, HVAC service, electrical, and similar small-to-mid sized contractor operations with controllable field exposures are primary targets. New ventures and businesses exiting PEOs are eligible with proper documentation. What documentation is required for PEO carve-outs?For PEO carve-outs you must provide complete loss history, a signed PEO/client contract and amendment, and the labor endorsement. Underwriting will review prior payroll and claim history before acceptance. Are there height or excavation limits?Yes. The program restricts exposures to no more than 20 feet (or two stories) above ground and no more than 6 feet below ground. Submissions exceeding those limits should be referred to underwriting but may be ineligible. Which states is this program available in, and are CA or OK allowed?The program is available in the listed states (AL, AK, AZ, AR, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, OR, PA, RI, SD, TN, TX, UT, VT, VA, DC, WV, WI). California and Oklahoma are limited/incidental or cannot be the governing state. What is the minimum premium and available payment options?Minimum premium is $2,000. Payment options include direct bill or monthly self-reporting with a non-working payroll deposit; underwriting can explain program-specific billing mechanics on submission. Need help placing an account? Connect with a market specialist.

We have a premier market for Bus accounts! U.S. Risk Insurance Group, Inc. offers access to an A+ XV-rated admitted carrier that can quote up to $5 million in auto liability limits, including physical damage coverage, with competitively low deductibles. Incidental general liability (GL) can also be written in conjunction with the bus coverage. This program is backed by strong claims management and loss control services, giving your insureds the protection and service they deserve. Overview of the Program From U.S. Risk Insurance Group U.S. Risk Insurance Group’s Bus Insurance program is designed for large people-mover operations, including fixed-route transit buses. Our carrier partner offers admitted paper with high limits and competitive pricing, making this a go-to solution for agents and brokers working with transit-focused accounts. The program is available in all 50 states and Washington, D.C., and is best suited for accounts with annual premiums of $75,000 or more. Ideal Accounts and Appetite We are currently targeting large bus accounts, specifically those that fall into the following categories: Fixed-route public transit operations Large people-mover fleets Urban and suburban shuttle services This program is ideal for clients operating in metropolitan or regional markets with significant passenger volume and consistent routing. For example, you might have a client running a city-wide transit system or a large shuttle fleet serving corporate campuses or airports—these are strong fits for our underwriting appetite. Coverage Highlights and Advantages Auto liability limits up to $5 million available Physical damage coverage included Low deductibles to reduce out-of-pocket exposure Optional incidental general liability coverage Access to top-tier claims and loss control services Underwriting Notes and Minimum Premiums To be considered for this program, submissions must meet our underwriting criteria and be complete. A full submission should include: ACORD forms 125, 127, 137 (and 126 if including incidental GL) A completed Public Auto questionnaire Vehicle schedule including use, garaging, radius, capacity, and cost new Five years of currently valued loss runs Current financial statements Current driver list and MVRs We are primarily seeking accounts with minimum premiums of $75,000, though this may vary based on risk characteristics and state. Territories and Availability This program is available in all 50 states and Washington, D.C., 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, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, and WY. Why Work With U.S. Risk Insurance Group As an experienced excess and surplus lines broker, U.S. Risk Insurance Group provides agents and brokers with access to specialized markets and underwriting support for complex public auto risks. With our strong carrier relationships and focus on service, we help you deliver tailored solutions that meet the operational and compliance demands of your bus operator clients. Frequently Asked Questions What types of accounts are a good fit for this bus insurance program?We are targeting large people-mover operations, especially fixed-route public transit systems with premiums of $75,000 or more. Is the coverage written on admitted paper?Yes, we offer coverage through an A+ XV-rated admitted carrier. Can incidental general liability be added to the policy?Yes, incidental GL can be written in conjunction with the bus coverage when needed. What documents are required for a complete submission?Submissions must include ACORD forms, a Public Auto questionnaire, a full vehicle schedule, five years of loss runs, financials, and driver/MVR info. Is this program available nationwide?Yes, the program is available in all 50 states and the District of Columbia. Need help placing an account? Connect with a market specialist.

Policy Highlights: Colonial General Insurance Agency, Inc. offers a specialized Cattle and Livestock Hauling Insurance program designed to protect the unique exposures faced by livestock haulers. Whether your client is an independent owner-operator or a fleet transporting cattle and other livestock across state lines, this program provides tailored cargo protection solutions to meet their needs. Ideal Accounts and Appetite This program is suitable for livestock haulers operating in the western United States who need cargo coverage for live animals during transit. Ideal accounts include: Independent livestock haulers with one or more trucks Farming or ranching operations that transport their own livestock Commercial carriers specializing in cattle, hogs, sheep, or other livestock Risks with established safety practices and clean loss history are preferred. We also look for haulers that understand the importance of animal welfare and proper handling during transport. Coverage Highlights and Advantages Our cattle and livestock hauling coverage includes several standout features that help protect your clients’ operations and assets: Straying Endorsement Included: Covers animals that stray or escape during transit. Unlimited Radius: No mileage restrictions on mono-line cargo policies, giving your clients the freedom to operate across long distances. Excess Cargo Coverage: We offer markets that can provide excess protection over primary cargo limits, up to $750,000. Refrigeration Breakdown: Cargo limits up to $100,000 include coverage for losses due to refrigeration equipment failure, a key concern in livestock transport. This program is flexible and can be customized based on your client's fleet size, type of livestock, and hauling distances. Underwriting Notes and Market Access As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General provides access to multiple markets, including both admitted and non-admitted options depending on the state and risk characteristics. Our underwriting approach is responsive and focused on helping you find the right solution for each account. We work with a variety of carriers and have the ability to place both primary and excess cargo risks. Submissions should include equipment details, cargo types, hauling routes, and prior loss experience when available. Territories and Availability This program is available in the following states: Arizona (AZ) California (CA) Colorado (CO) Idaho (ID) Nevada (NV) New Mexico (NM) Utah (UT) Wyoming (WY) Some markets are admitted depending on the state; others are written on a non-admitted basis. Why Work With Colonial General Colonial General Insurance Agency has deep expertise in transportation and cargo-related risks. Our team understands the unique challenges faced by livestock haulers and offers flexible, competitive coverage options to help you serve your clients more effectively. With access to a range of carriers and value-added endorsements, we are your go-to resource for placing livestock hauling business in the western region. Frequently Asked Questions What types of accounts are a good fit for this livestock hauling program?Independent haulers, ranchers transporting their own cattle, and commercial livestock carriers are all strong candidates for this program. Is there a mileage limit on cargo coverage?No, all mono-line cargo policies come with an unlimited radius, making this ideal for long-haul livestock transport. Does the program include coverage for straying animals?Yes, a straying endorsement is included to cover incidents where animals escape during transit. In which states is this program available?The program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Can Colonial General provide excess cargo coverage?Yes, we have markets that can write excess over primary cargo limits up to $750,000. Need help placing an account? Connect with a market specialist.

U.S. Risk Insurance Group, Inc. offers a specialized Professional Services Workers Compensation Insurance program designed to support agents and brokers in placing business for a wide range of professional services clients. Through its UPA division and a partnership with an A-rated carrier, U.S. Risk provides access to competitive markets and flexible underwriting for a variety of scenarios, including new ventures and PEO carve-outs. Ideal Accounts and Appetite This program is tailored for professional services operations that need workers' compensation coverage with flexible underwriting and payment options. Ideal risks include consulting firms, marketing agencies, law offices, accounting firms, IT consultants, and other white-collar or light manual professional services. New ventures are eligible, making this a great solution for startups or businesses transitioning from a PEO arrangement. Example accounts that may be a good fit: A newly formed architectural firm in Texas with five employees. An established marketing agency in Florida exiting a PEO and needing standalone comp coverage. Coverage Highlights and Advantages U.S. Risk’s professional services workers compensation program offers: Admitted coverage in all available states. Guaranteed cost plans and dividend plans (available in Florida). Online access to loss runs for easier account management. Flexible payment options, including: UPAY-As-You-Go Direct bill Monthly self-reporting with a 5% non-working deposit Underwriting Notes and Minimum Premiums Minimum premium of $3,000; no maximum premium. New ventures welcome. Group transportation is limited to five employees per vehicle. Risks with lapse in coverage must be referred to underwriting. No maximum experience mod. Height/underground limits: up to 20 feet or 2 stories above ground, and no more than 6 feet below ground. PEO carve-outs accepted with required documentation (loss history, signed PEO/client contract and amendment, labor endorsement). 24-hour shift work is eligible (with no additional exposure). Ineligible risks include domestic workers, aviation, federal coverage, tax lien or bankruptcy situations. Territories and Availability This workers compensation program is available in the following states: AL, AK, AZ, AR, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, OR, PA, RI, SD, TN, TX, UT, VT, VA, DC, WV, WI. Coverage is limited, incidental, or cannot be the governing state for CA and OK. Why Work With U.S. Risk Insurance Group As a leading Managing General Agency (MGA), U.S. Risk brings deep expertise in niche markets and hard-to-place workers compensation risks. With access to A-rated carriers and a dedicated underwriting team, they offer responsive service and flexible solutions for agents and brokers nationwide. Whether you're working with new ventures or clients transitioning out of a PEO, U.S. Risk provides the tools and support to help you place business effectively and competitively. Frequently Asked Questions What types of accounts are a good fit for this workers compensation program?Professional services businesses such as consultants, law firms, marketing agencies, and IT companies are ideal candidates, especially those with limited manual exposure. Is this program available for new ventures?Yes, new ventures are eligible for coverage under this program, making it a strong option for startups and newly formed professional firms. Can clients coming out of a PEO be written through this program?Yes, PEO carve-outs are accepted. Required documents include a signed PEO/client agreement, an amendment, loss history, and a labor endorsement. What are the minimum and maximum premiums?The minimum premium is $3,000, and there is no set maximum premium. Are there any restrictions related to employee activities?Yes, group transportation is limited to five employees per vehicle, and height/underground work is restricted to 20 feet above and 6 feet below ground level. Need help placing an account? Connect with a market specialist.