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Victor O. Schinnerer & Company, Inc. offers a robust international insurance solution through its International Advantage® program. This specialty program is tailored for businesses with global operations—particularly those with employees who travel, work, or sell products overseas. Whether your client is expanding into new markets or already has an international footprint, this program provides critical protection against the unique risks of conducting business abroad. Ideal Accounts and Appetite The International Advantage® program is well-suited for a wide range of industries, including manufacturing, professional services, technology, nonprofits, and educational institutions. Target accounts typically include: Companies with employees who frequently travel internationally Exporters and importers of goods and services Firms with overseas contractors or representatives Organizations hosting or attending international trade shows For example, you might have a client in the tech industry sending engineers to support product launches in Asia, or a manufacturer with a sales team operating in Europe. These are strong candidates for this program. Coverage Highlights and Advantages The program is designed to address a wide range of exposures that domestic policies often exclude. Key coverages include: Emergency medical, personal, travel, and security assistance Commercial general liability for foreign operations Commercial auto liability for non-owned and hired vehicles overseas Employer’s responsibility coverage, including foreign voluntary workers’ compensation Business income coverage to protect against foreign interruptions Accidental Death & Dismemberment (AD&D) insurance for employees abroad Kidnap and extortion coverage for high-risk regions This comprehensive package helps close the gaps that can arise when U.S.-based companies operate across borders. Underwriting Notes and Minimum Premiums Victor O. Schinnerer & Company, Inc. underwrites this program on a non-admitted basis through ACE, providing flexibility in terms and coverage design. While the minimum premium is not specified, accounts are competitively priced based on exposure, size, and location of operations. Submissions should include full details about international activities, employee travel, and the nature of the business's foreign presence. 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 Victor O. Schinnerer & Company, Inc. As a leading Managing General Underwriter (MGU), Victor O. Schinnerer brings decades of specialty underwriting expertise to the table. Their International Advantage® program reflects a deep understanding of global risk management and the complex needs of U.S.-based companies operating internationally. Agents and brokers benefit from responsive underwriting, access to specialized carriers like ACE, and a partner committed to helping you grow your international book of business. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include companies with employees who travel internationally, export products, or maintain overseas operations—such as manufacturers, tech firms, and professional service providers. Is the International Advantage® program admitted?No, this program is written on a non-admitted basis through ACE, offering flexible coverage options for complex international exposures. What coverages are included in this program?The program includes general liability, auto liability, foreign voluntary workers' comp, business income, emergency assistance, AD&D, and kidnap & extortion coverage. Which states is this program available in?The program is available in all 50 states and Washington, D.C., including key markets such as CA, NY, TX, FL, and IL. What information is needed to submit an account?Submissions should include details on international travel, number of employees abroad, foreign revenue, locations operated in, and nature of international activities. Need help placing an account? Connect with a market specialist.

Kidnap & Ransom Insurance Program from Preferred Concepts LLC Preferred Concepts LLC offers a specialized Kidnap & Ransom (K&R) insurance program designed to protect organizations and their employees from the financial and operational impacts of kidnapping, extortion, and related threats. As a wholesale broker with access to multiple markets, Preferred Concepts provides flexible coverage solutions tailored to the unique exposures faced by businesses operating globally. Ideal Accounts and Appetite This program is ideal for companies with employees or executives traveling or stationed overseas, particularly in high-risk regions such as South America, parts of Asia, and Africa. Coverage is also increasingly relevant for U.S.-based firms with international clients, supply chains, or high-profile public exposure. Smaller companies are also showing increased interest in this coverage as international operations expand. Whether your client is a multinational corporation or a mid-sized firm with overseas travel needs, this program can be customized to meet their risk profile. Examples of good-fit accounts include: A consulting firm with staff regularly deployed to Latin America A manufacturing company with executives overseeing production facilities abroad Coverage Highlights and Advantages Kidnap and Ransom insurance provides more than just financial reimbursement—it offers critical support during high-stakes events. Coverage may include: Ransom payments, including funds lost in transit Reimbursement for extortion demands targeting personnel, assets, or products Access to experienced crisis response and security consultants Travel and relocation costs related to covered incidents Coverage for both employees and their family members Policies can be structured with worldwide or region-specific coverage, depending on the client’s needs. Security services offered through the policy can be critical in navigating a kidnapping or extortion event quickly and effectively. Underwriting Notes and Minimum Premiums Underwriting is tailored to the specific risk profile of each company. Key pricing and eligibility factors include: Company size and number of traveling or stationed employees Geographic exposure and frequency of international travel Coverage limits, deductibles, and policy terms Any history of previous incidents Visibility and public exposure of the company The application process is generally simple and confidential. For companies with routine travel to high-risk areas or more complex operational risks, a more detailed underwriting review may be required. While premiums are generally affordable, they can vary significantly based on location and exposure. Territories and Availability This program is available in all 50 states plus the District of Columbia. Coverage is written on a non-admitted basis through various carriers, allowing for flexibility in policy design and underwriting. Why Work With Preferred Concepts LLC Preferred Concepts LLC brings deep experience in specialty lines, including Kidnap & Ransom coverage. As a wholesale broker, they offer market access, underwriting expertise, and responsive service that empower agents and brokers to confidently place challenging and sensitive risks. Their access to multiple carriers ensures competitive options for your clients. To learn more about this program or to request a quote, call (860) 527-9717 or email [email protected]. Additional details and resources are available on their website at www.mercatorpro.com. Frequently Asked Questions What types of accounts are a good fit for this Kidnap & Ransom program?Ideal accounts include companies with executives or employees traveling or living abroad, particularly in high-risk areas such as South America, Africa, or Asia. This includes consulting firms, NGOs, manufacturers, and financial institutions. Is this coverage available for small to mid-sized businesses?Yes, smaller companies with growing international exposure are increasingly purchasing K&R coverage. The program can be tailored to meet the needs of businesses of varying sizes. What does the underwriting process involve?The underwriting process is generally confidential and straightforward. For standard risks, a short application is often sufficient. More complex risks with high exposure may require detailed underwriting information. Does the policy cover family members of employees?Yes, most policies can be structured to include coverage for family members as well as employees, especially if they are living or traveling overseas due to business needs. In which states is this program available?This Kidnap & Ransom program is available in all U.S. states and the District of Columbia. Need help placing an account? Connect with a market specialist.

Clients look to their insurance agent for choice. Where do insurance agents look? As a leading Managing General Agent (MGA) for some of the most trusted names in the insurance industry, PlanChoice has been providing Group and Individual Life, Dental, Short Term Disability, Long Term Disability, Vision, Worksite, Self-Funded Health, Long Term Care, Medicare Supplement and PDP solutions through professional, independent insurance agents and brokers since 1988. We understand that in an atmosphere of change, the needs of agents, brokers and their clients also change. You can be assured that we will provide you with the products, services and tools necessary to help you achieve your goals, keep your promises and expand your business. The world of insurance benefits is filled with confusing choices and difficult decisions. After all, everyone's needs are different from one individual to the next - and from one employer to the next. Since 1988, we have been providing employee benefit solutions to individuals, families and businesses from some of the most trusted names in the insurance industry. All products and services are distributed exclusively through independent agents, brokers and advisors. We invite you to explore our website and discover what makes PlanChoice uniquely qualified to assist you.

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Overview of Victor O. Schinnerer & Company, Inc. — Kidnap, Ransom & Extortion Insurance Victor O. Schinnerer & Company, Inc. offers a specialized Kidnap, Ransom & Extortion (KRE) program designed for companies, organizations and high net-worth individuals and families. As a managing general underwriter working with carriers including Great American and Hiscox, Schinnerer places standalone KRE policies and endorsements that combine broad worldwide coverage with rapid crisis response services. Ideal Accounts and Appetite This program is a fit for insureds who face kidnap, ransom, extortion or related political violence exposures, including: Multinational corporations with traveling executives, field staff or contractors Companies operating in higher-risk countries (energy, mining, construction, infrastructure) Nonprofits and educational institutions with international operations or personnel travel High net-worth individuals, families and principals who travel frequently or have elevated risk profiles Maritime and shipping operations vulnerable to hijacking and ransom events Accounts with established security protocols, pre-travel risk assessments and a willingness to coordinate with incident response teams typically underwrite favorably. The program has limited appetite for accounts with ongoing unresolved threats, operations solely in active war zones, or exposures involving sanctioned entities. Coverage Highlights and Advantages No retention or deductible on covered claims Coverage limits up to $65,000,000 Unlimited crisis response fees to secure specialist consultants, negotiators and other emergency services Annual and multi-year policy options Broad worldwide territory—designed to respond wherever an incident occurs (subject to underwriting and local compliance) Placement access via reputable carriers (Great American, Hiscox) through Schinnerer’s MGA platform Underwriting Notes and Submission Requirements Underwriters will evaluate travel patterns, security protocols, prior claims history, employee training and destination-specific exposures. Common submission items include: Completed KRE application Travel and operations summary (locations, frequency, duration) Existing security measures and crisis management plans Loss history and any active threats or prior incidents Because this is a high-specialty line, Schinnerer pairs underwriting with crisis management partners to ensure rapid response—an important differentiator when speed and coordination matter. Territories and Availability States available: 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. The program is positioned for placement in most available states; specific admitted status and form availability can vary by carrier and state—confirm with underwriting at submission. Why Work With Victor O. Schinnerer & Company, Inc. on KRE Business As an experienced managing general underwriter, Schinnerer offers access to admitted and non-admitted markets, specialized underwriting expertise, and direct placement relationships with carriers experienced in kidnap and extortion risks. Agents benefit from coordinated crisis response capabilities, flexible term options, and capacity for large limits. Example Account Scenarios - You might have a manufacturing client with service technicians traveling monthly to remote sites in higher-risk countries; this program can cover ransom and response costs and provide an incident response team if needed. - You might place a high net-worth family that travels internationally and wants dedicated coverage for kidnap and extortion exposures with no deductible and access to crisis consultants. Frequently Asked Questions What types of accounts are a good fit for this program?Companies with employees who travel or work in higher-risk regions, organizations with international operations, and high net-worth individuals and families are primary targets. Favorable accounts have formal security protocols and a willingness to use pre-approved crisis response partners. Which states and territories are covered?The program is available in most U.S. states (see the program’s listed states). Admitted form availability and specific state filing status depend on the carrier—confirm with Schinnerer underwriting when you submit a risk. Are crisis response fees covered?Yes. This program includes unlimited crisis response fees to engage negotiators, security consultants and other specialists as needed, subject to policy terms and underwriting approval. What limits and policy terms are available?Limits are available up to $65 million. Policies can be written on annual or multi-year terms; the appropriate limit and term are determined based on the account’s exposure and underwriting review. What information should I include with a submission?Provide a completed KRE application, travel and operations summary, existing security measures, and any loss history or active threats. Including a crisis management plan speeds underwriting and placement. Need help placing an account? Connect with a market specialist.

Education Insurance Services (EIS) offers a comprehensive Global Package Insurance program designed specifically for educational institutions that operate internationally. Whether your client is a university sending faculty abroad for research, a high school running a study-abroad program, or an institution with permanent foreign campuses, this program delivers tailored protection for the unique exposures that come with international operations. Ideal Accounts and Appetite This program is ideal for educational institutions that: Send students, faculty, or staff abroad for academic or research purposes Operate or partner with foreign campuses or satellite locations Have employees or volunteers working in foreign countries Own or lease property or vehicles outside the United States You might have a client that runs a semester-abroad program in Europe, or a university that owns housing and offices overseas—this program can help cover those risks under one coordinated package. Coverage Highlights and Advantages The Global Package Insurance program from EIS provides a broad set of protections to address international exposures, including: Core Coverages: International Commercial General Liability International Property Coverage International Business Auto Liability and Physical Damage Kidnap, Ransom, and Extortion (KRE) Coverage and Consulting Services Medical and Travel Assistance Services Employee Protections: Foreign Voluntary Workers’ Compensation Employer’s Liability Political Evacuation Accidental Death and Dismemberment (AD&D) Medical Repatriation Repatriation of Remains These coverages are designed to protect your clients against medical emergencies, political instability, liability claims, and property losses while operating abroad. Underwriting Notes and Minimum Premiums Minimum premiums for this program vary based on the size and scope of the institution’s international exposure. EIS works with a range of carriers to tailor coverage to each account’s needs. Submissions should include details about the number of students/faculty abroad, foreign property, and duration of travel or assignments to ensure accurate quoting. Territories and Availability This program is available in most states, including AL, AK, AZ, AR, CA, CO, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, MD, MI, MN, MS, MO, MT, NE, NV, NJ, NM, NC, ND, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, WA, DC, WV, WI, and WY. Coverage is offered on a non-admitted basis in most cases, allowing for greater flexibility in program design. Why Work With Education Insurance Services As a Managing General Agency (MGA) with a dedicated focus on educational institutions, EIS understands the unique risks and compliance requirements these organizations face when operating internationally. Their specialized underwriting approach, access to multiple carrier partners, and experience in the education sector make them a valuable resource for agents placing complex international accounts. If you have clients in the education sector with foreign operations, study-abroad programs, or overseas campuses, EIS can help you provide the right protection under one streamlined package. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for schools, colleges, and universities that send students or staff abroad or operate campuses in foreign countries. Can this program cover short-term study abroad trips?Yes, the program is well-suited for both short-term and long-term international academic programs, including semester-abroad and faculty exchanges. What information is needed to get a quote?Underwriters typically need details on the number of individuals traveling, destinations, duration of travel, foreign property ownership, and scope of international activities. Is coverage available in all states?Coverage is available in most states across the U.S. Contact EIS for specifics regarding availability in your client’s state. Does the program include emergency evacuation or repatriation?Yes, the program includes political evacuation, medical repatriation, and repatriation of remains as part of its employee protection coverages. Need help placing an account? Connect with a market specialist.

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International Insurance Solutions for Nonprofit Organizations At Charity First Insurance Services Inc, we understand the unique challenges nonprofit organizations face—especially those operating or supporting work internationally. Our Nonprofits - International Insurance program is specifically designed to serve the complex needs of nonprofits with global exposure. Whether your client is running overseas missions, supporting international aid efforts, or sending volunteers abroad, we offer tailored coverage backed by top-rated carriers. Ideal Accounts and Appetite This program is ideal for nonprofit organizations that: Operate internationally or support causes outside the U.S. Send staff or volunteers overseas for missions, relief work, or education programs Provide funding or resources to international partners Have exposure to foreign travel, liability, or property risk Example accounts include faith-based missions, international relief organizations, global health nonprofits, and educational nonprofits with global outreach programs. Coverage Highlights and Advantages We offer flexible, comprehensive insurance policies that evolve with your nonprofit clients. Partnering with A.M. Best "A"-rated carriers, our solutions are built to handle the specialized risks associated with international nonprofit operations. Coverage options may include: General Liability and Abuse & Molestation coverage Foreign General Liability and Foreign Workers Compensation International Auto Liability Travel Accident and Sickness coverage for staff and volunteers abroad Property coverage including international locations and equipment Directors & Officers Liability for global operations We also provide complimentary access to a robust online risk management resource center, offering safety articles and tools to help nonprofits proactively manage their exposure. Underwriting Notes and Minimum Premiums Minimum premiums vary based on the size, scope, and international reach of the nonprofit. We focus on understanding the organization’s mission and operations to offer the right level of protection. Our underwriting team is experienced in handling complex nonprofit risks and can help you structure coverage that meets your client’s needs. Territories and Availability This program is available in most U.S. states, including but not limited to CA, TX, NY, FL, IL, and PA. We write business in the following states: AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, DC. Coverage is written on an admitted basis in most available states. Why Work With Charity First Insurance Services Inc As a national program manager with a dedicated focus on nonprofits, Charity First brings deep industry experience and long-standing carrier relationships. Our team understands the mission-driven nature of your clients’ work and the liability exposures that come with it—especially when operating internationally. We help agents and brokers succeed by offering responsive underwriting, risk management support, and access to some of the nation's most respected insurance markets. Whether your client is a small nonprofit sending volunteers abroad or a larger organization with global operations, we offer scalable, responsive solutions to protect their mission. Frequently Asked Questions What types of accounts are a good fit for this program?Nonprofit organizations with international exposure, such as mission groups, global aid organizations, and nonprofits supporting work abroad, are ideal candidates. Can this program cover volunteers and staff traveling overseas?Yes. We offer coverage options that include travel accident and sickness insurance, foreign liability, and other protections for staff and volunteers abroad. Are there specific countries where coverage is excluded?Coverage availability may vary based on the destination country. Our underwriting team will review each submission to determine eligibility and any country-specific restrictions. Is the program admitted in most states?Yes, coverage is written on an admitted basis in most available states where the program is offered. What underwriting information is needed to get a quote?We typically need details about the nonprofit’s mission, international activities, number of staff/volunteers, travel plans, and current insurance structure to provide a quote. Need help placing an account? Connect with a market specialist.