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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.

Specialized Shuttle Vehicle Insurance Program from U.S. Risk Insurance Group U.S. Risk Insurance Group, Inc. offers a comprehensive insurance solution designed specifically for shuttle and people-mover operations. This program is backed by an A+ XV rated admitted carrier and is tailored to meet the unique liability and property exposures associated with commercial passenger transport. Whether your clients operate fixed-route transit buses or non-EMT passenger vehicles, this program delivers the coverage and support they need — and the underwriting expertise you expect. Ideal Accounts and Appetite This program is ideal for accounts with annual premiums of $75,000 or more and includes the following target classes: Shuttle and people-mover operations Fixed-route transit buses Non-emergency medical transport (non-EMT) vehicles You might have a client that operates a private airport shuttle service or a company providing employee transportation between facilities — both would be excellent fits. The program is designed for fleets with a strong operational history and a focus on safety and compliance. Coverage Highlights and Advantages This market offers a robust set of coverage features and benefits: Auto liability limits available up to $5 million Physical damage coverage included Very low deductible options Incidental General Liability can be written alongside auto coverage Competitive pricing and highly responsive claims handling Proactive loss control resources to help reduce future exposures Underwriting Notes and Submission Requirements A complete submission is required for underwriting consideration. Please include: Completed ACORD applications: 125, 127, 137 (and 126 if incidental GL is requested) Public Auto questionnaire Vehicle schedule with details: description, garaging location, usage, radius, passenger capacity, and cost new Five years of currently valued loss runs Current financial statement Driver list and current MVRs Minimum premiums vary based on account size and risk characteristics, but this program is generally suited for larger accounts with complex needs. Territories and Availability Coverage is available in all 50 states, including Washington D.C. U.S. Risk accesses a variety of markets to ensure broad national availability with flexibility to meet local regulatory and operational requirements. Why Work With U.S. Risk Insurance Group? As a leading excess and surplus lines broker, U.S. Risk has deep experience in the transportation sector. Our specialized shuttle vehicle insurance program is backed by strong carrier relationships and a service-oriented team that understands the unique challenges of this niche. From underwriting to loss control, we deliver responsive, knowledgeable support to help you close and retain accounts. Frequently Asked Questions What types of accounts are a good fit for this shuttle vehicle insurance program?Ideal accounts include shuttle and people-mover operations with annual premiums of $75,000 or more, such as fixed-route transit buses and non-EMT vehicles. Is incidental General Liability coverage available?Yes, incidental GL can be written in conjunction with the auto liability coverage for qualifying accounts. What are the submission requirements for this program?A complete submission includes ACORD forms, a Public Auto questionnaire, vehicle schedule, five years of loss runs, financials, and driver/MVR information. What carrier backs this program?The program is backed by an A+ XV rated admitted carrier, offering financial strength and claims reliability. Is this program available nationwide?Yes, this shuttle vehicle insurance program is available in all 50 states and Washington D.C. Need help placing an account? Connect with a market specialist.

Comprehensive Cargo Insurance Solutions from Ashley General Agency Ashley General Agency offers a focused Cargo Insurance program for motor carriers and trucking companies that transport property. Designed for agents placing Texas risks, this program protects against loss or damage to cargo while in transit or under the insured’s care, custody, or control. We provide flexible coverages for small fleets and larger operations and can tailor terms for perishable freight, livestock, and other specialty loads. Ideal Accounts and Appetite This program is an excellent market for experienced motor carriers based in Texas. Target risks include: Trucking companies transporting general freight Refrigerated carriers hauling perishable goods Livestock haulers requiring specialized coverage Fleet operations with clean loss histories New ventures with at least three years’ prior experience in the same line of business and no reported losses Submissions should show consistent operating practices and sound risk management. Accounts with complex multi-state exposures, significant prior cargo losses, or operations outside Texas are less likely to qualify. Coverage Highlights and Advantages This Cargo Insurance program includes core protections and several valuable extensions that address common transit exposures: Sue and Labor: Pays reasonable expenses to prevent or reduce further cargo damage after a covered loss. Freight Charges: Reimburses lost freight revenue when cargo is not delivered because of a covered loss. Debris Removal: Covers expenses to remove cargo debris after an incident. Refrigeration Breakdown: Protects against spoilage or damage from mechanical failure of refrigerated units. Owners’ Goods: Provides coverage for property owned by the carrier while transported in their own vehicles. Livestock: Specialized protection for live animals, including coverage for death or injury in transit. Underwriting Notes and Minimum Premiums To submit, provide a completed application and a minimum of three years of loss history. New ventures may be considered only if they have at least three years’ prior experience in the same type of operations and a clean loss record. The program’s minimum premium is $500, which makes it accessible for smaller or emerging trucking operations with strong risk profiles. Territories and Availability This Cargo Insurance program is available exclusively in Texas and is placed on a non-admitted basis with top-rated markets, including Essex, Great American, and Underwriters at Lloyd’s. The non-admitted placement allows Ashley General Agency to offer flexibility for unique or hard-to-place risks within the state. Why Work With Ashley General Agency? As a Managing General Agency focused on transportation, Ashley General Agency combines responsive underwriting with hands-on service. Agents benefit from our specialization in trucking risks, quick decision-making, and access to strong non-admitted carriers. We work with you to structure terms that meet contractual requirements and operational realities. Example scenarios where this program fits well: A Texas refrigerated carrier hauling regional produce that needs refrigeration breakdown coverage and freight charge protection. A small livestock hauler with a clean five-year loss record seeking specialized transit coverage for animal mortality and injury. If you have a trucking client in Texas—especially one requiring perishable goods coverage or livestock protection—we are a market worth submitting to. To discuss a submission or to get a quote, call us at 936-585-6442. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for experienced motor carriers and trucking companies in Texas, particularly those hauling general freight, refrigerated goods, or livestock. Can new ventures qualify for this program?Yes. New ventures must show at least three years’ experience in similar operations and have a clean loss history to be considered. Is this program available outside of Texas?No. This Cargo Insurance program is currently limited to risks based in Texas. What carriers are involved in this program?Coverage is written through non-admitted carriers, including Essex, Great American, and Underwriters at Lloyd’s. What is the minimum premium for this program?The minimum premium starts at $500, subject to the operation type and risk profile. Need help placing an account? Connect with a market specialist.

Medical Stop Loss Insurance from Alexander J. Wayne & Associates, Inc. Alexander J. Wayne & Associates, Inc. places hard-to-find Medical Stop Loss programs for both fully insured and self-funded employer groups. We offer broad market access — including top U.S. carriers and Lloyd’s of London — so you can access admitted and non-admitted excess medical capacity depending on the client’s state and needs. Whether you’re placing groups as small as 50 lives or much larger employers, we help design flexible stop loss structures that balance protection and cost. Ideal Accounts and Appetite Our stop loss solutions are targeted to brokers and agents who work with mid-sized to large employers seeking to manage catastrophic medical risk. Typical fits include: Employer groups with 50+ lives Employers newly moving from fully insured to self-funded arrangements Groups seeking creative alternatives to standard health plan buyouts Accounts with known high-cost exposures (transplants, oncology, catastrophic claims) We welcome challenging placements — high claims volatility, prior large claims, and unique exposures are often exactly the business our markets will consider. We’ll analyze your client’s experience and recommend appropriate specific deductibles, corridor options, and contract features. Coverage Highlights and Ancillary Services In addition to standard specific and aggregate stop loss, our capabilities include a range of ancillary and specialty coverages to complete a self-funded program: Transplant-specific stop loss Group Life Insurance Dread Disease Insurance Travel Accident programs Medical Indemnity coverage Medicare Supplement options Provider Excess Insurance Benefit Captives (South Carolina) We also help connect you with experienced TPAs, actuaries, utilization review vendors, and provider network partners to support plan design, pricing, and administration. Underwriting Flexibility and Program Details Our underwriters are pragmatic and creative. We’ll structure retention levels, corridor and aggregate features, and commission arrangements to match a client’s budget and risk tolerance. Expect a hands-on underwriting review that looks at current claims trend, large claim history, stop loss attachment preferences, and any clinical exposures that may require tailored language or sublimits. Available Markets and Territories We place business with a select group of major U.S. carriers and Lloyd’s of London (domestic and London open market). Solutions may be offered on an admitted basis in some states and as non-admitted placements in others to secure competitive capacity. Our reach includes all 50 states and Washington, D.C., with capability in major markets such as CA, FL, IL, NY, and TX as well as traditionally harder-to-place states. Why Partner with Alexander J. Wayne & Associates As a wholesale broker focused on stop loss, Alexander J. Wayne & Associates brings deep market relationships and decades of experience placing complex excess medical risk. We provide prompt quoting, problem-solving underwriting, and access to specialty solutions that many brokers cannot obtain directly. Our goal is to help you win and retain business by delivering competitive terms and practical implementation support. Call us today and ask how Alexander J. Wayne & Associates can help you place hard-to-place Medical Stop Loss Insurance accounts. Frequently Asked Questions What types of accounts are a good fit for this Medical Stop Loss program?Our program fits employer groups with 50 or more lives that are self-insured or transitioning from fully insured plans. We also place high-risk or claims-volatile groups that need customized stop loss structures. Do you offer additional services beyond stop loss coverage?Yes. We can connect you with TPAs, actuaries, provider networks, and utilization review partners, and we place ancillary coverages such as transplant, group life, and dread disease insurance. What carriers do you work with for Medical Stop Loss?We work with a select group of major U.S. carriers and Lloyd’s of London, providing admitted and non-admitted options depending on the state and client requirements. Can you help with small groups under 100 employees?Yes. We can assist with groups as small as 50 lives and will tailor structures to the group’s risk profile and funding goals. In which states is this program available?We can place Medical Stop Loss nationwide, including all 50 states and Washington, D.C.; admitted availability varies by carrier and state. Need help placing an account? Connect with a market specialist.

M.J. Hall & Company now offers comprehensive Distributors Insurance for wholesalers and distributors! Overview of the Program From M.J. Hall & Company The Distributors Insurance program from M.J. Hall & Company is built for wholesale and distribution businesses whose retail sales (including online) do not exceed 25% of total revenue. As an experienced Excess & Surplus Lines broker, M.J. Hall gives independent agents access to reliable markets and flexible terms tailored to a wide range of distribution classes. Ideal Accounts and Appetite This program targets distributors and wholesalers of consumer goods, industrial supplies, electronics, specialty foods, and similar product lines. It is a good fit when accounts: Are primarily wholesale operations (retail — including online — is no more than 25%) Have inventory and property exposures at warehouses and during transit Require strong general liability limits with no deductible This program is not intended for manufacturers, assemblers, or importers of foreign goods. Agent examples — you might have a client who stores and ships industrial fasteners from a single warehouse in California, or a regional distributor of packaged specialty foods operating multiple storage sites in Texas. Both are the types of accounts M.J. Hall is positioned to place. Coverage Highlights and Advantages M.J. Hall's Distributors Insurance program offers broad, customizable protection to address property, liability, and transit exposures common to distribution operations. Property Coverage Includes: Basic, Broad, or Special form options Replacement Cost or Actual Cash Value valuation Building and Business Personal Property Business Income and Extra Expense Equipment Breakdown Food Spoilage (where applicable) Accounts Receivable, Computer and Contractor’s Equipment Outside Signs and Valuable Papers General liability is available with primary limits up to $3,000,000 per occurrence and $5,000,000 aggregate, typically with no deductible. The program can also include protections for theft, robbery, and safe burglary where appropriate. Underwriting Notes and Minimum Premiums Underwriters evaluate each submission based on operations, property values, loss history, and transit exposures. Minimum premiums vary by state and risk; typical starting points are around $500 or higher. Provide complete risk details to help secure accurate terms and pricing. Territories and Availability This program is available in the following states: Alaska, Arizona, California, Hawaii, Nevada, and Texas. M.J. Hall primarily places business through E&S markets, but some admitted markets may be available depending on the state and the specific risk. Why Work With M.J. Hall & Company on Distributors Insurance With decades of E&S experience, M.J. Hall provides agents access to a broad network of carriers and competitive solutions for specialized distribution risks. Their underwriting focuses on flexible terms for accounts that need tailored protection — particularly where admitted markets are limited or unique exposures exist. You can rely on M.J. Hall for responsive underwriting, market access, and expertise in placing warehouse, transit, and inventory risks for wholesale accounts across the program states. Our agents would be happy to discuss our Distributors Insurance with you – contact M.J. Hall today! Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for wholesale distributors whose retail sales (including online) do not exceed 25% of total sales. It is not intended for manufacturers, assemblers, or importers of foreign goods. What coverage limits are available?General liability limits up to $3,000,000 per occurrence and $5,000,000 aggregate are available with no deductible in many cases. Property and business income coverages are customizable based on the risk. Is this program available on an admitted basis?M.J. Hall primarily places through Excess & Surplus Lines markets, but some admitted markets may be available depending on the state and the account profile. What states is this program available in?This program is available in AK, AZ, CA, HI, NV, and TX. What is the minimum premium?Minimum premiums vary by account and state; typical starting points are around $500 or higher, depending on exposures and underwriting considerations. Need help placing an account? Connect with a market specialist.