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Policy Highlights: Colonial General Insurance Agency, Inc. places Travel Agent Insurance with carriers that understand the unique, worldwide exposures of the travel industry. Travel agencies can be named in bodily-injury and third-party liability claims arising anywhere a client travels, so available programs emphasize global protection tied to travel-related operations. Colonial General has access to A.M. Best A+ rated markets and excess & surplus options, allowing you to place a broad range of travel agencies and related operations regardless of itinerary complexity or geographic reach. Overview of the Program From Colonial General This Travel Agent Insurance program is designed for retail and online travel agencies, travel management companies, tour operators, travel consultants, and related service providers. The program blends professional liability (errors & omissions) and general liability solutions tailored for businesses that plan, book, and manage travel. Coverage placements may be offered as admitted paper in some markets and non-admitted or E&S solutions where needed for higher-risk or multi-jurisdictional accounts. Ideal Accounts and Appetite Retail travel agencies and storefront brokers selling packaged tours and air, cruise, and hotel reservations. Online travel agencies and booking platforms arranging domestic and international travel. Corporate travel managers and travel concierges coordinating multi-destination itineraries. Small tour operators and niche specialty travel providers (adventure, destination weddings, group travel) — subject to underwriting review. Accounts that typically fit: agencies with documented booking procedures, use of supplier contracts/waivers, clear refund and cancellation policies, and reasonable annual revenues. Higher-risk operations (e.g., on-site guiding, hazardous-activity operators) may require referral or may be ineligible depending on carrier appetite. Coverage Highlights and Advantages Worldwide exposure recognition: policies can be structured to respond to claims arising outside the U.S. tied to the agency’s arrangements. Professional liability (E&O) tailored to travel booking, itinerary mistakes, and supplier errors. General liability solutions available to address third-party bodily injury and property damage connected to agency operations. Access to A.M. Best A+ rated admitted markets where available, plus excess & surplus options for tougher risks. Flexible placement options for multi-state operations across the program’s territory footprint. Underwriting Notes and Placement Considerations Underwriters will evaluate the agency’s scope of services, use of supplier contracts, consumer-facing policies, and loss history. Provide clear details on international operations, third-party suppliers, and whether the agency coordinates travel involving hazardous activities. Documentation such as sample client agreements, website disclosures, and supplier contracts speeds placement and improves terms. Some coverages or limits may be offered on admitted paper in certain states; others will be placed non-admitted depending on risk and territory. Territories and Availability Available in AZ, CA, CO, ID, NV, NM, UT, and WY. Placement may be admitted in some markets and non-admitted in others—availability will depend on the carrier selected and the insured’s specific operations. Why Work With Colonial General on Travel Agent Business Specialized underwriting familiarity with travel-related exposures and worldwide liability issues. Access to multiple A.M. Best A+ carriers plus E&S markets to handle complex or higher-risk accounts. Support for agents who need flexible solutions for both small storefront agencies and online platforms. Practical underwriting guidance on documentation and best practices that improve placement success and reduce uncovered gaps. Example Scenarios You have a small retail agency that books international honeymoon packages and needs professional liability and GL coverage recognizing exposures outside the U.S.—this program can place admitted or E&S paper depending on state and operations. You represent an online booking platform that arranges global travel and wants broader professional liability limits and supplier contract review—Colonial General can access markets familiar with multi-jurisdictional exposures. Frequently Asked Questions What types of travel businesses are a good fit for this program?Retail travel agencies, online travel agencies, corporate travel managers, and small tour operators are the primary fits. Appetite is best for agencies that coordinate travel rather than operate on-site adventure activities; higher-risk operations may need specialized underwriting. Are worldwide claims covered?Yes—underwriters understand that travel agencies face claims arising outside the U.S., and policies can be structured to address worldwide exposures. Coverage specifics and territorial language depend on the carrier and the insured’s exposures. Is this placed on admitted paper or through E&S markets?Colonial General can access both admitted A.M. Best A+ carriers and excess & surplus options. Whether a submission is placed admitted or non-admitted depends on the state, carrier appetite, and account characteristics. What information speeds up underwriting and quoting?Provide a description of services, revenue breakdown, sample client agreements, refund/cancellation policies, supplier contracts, and loss history. Clear documentation of booking procedures and risk controls improves placement speed and terms. Need help placing an account? Connect with a market specialist.

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Allstar Financial Group offers a focused surety bond program for travel agencies and travel management companies that must satisfy Airlines Reporting Corporation (ARC) bonding requirements. The ARC Surety Bond supports businesses that participate in airline ticket sales and ARC settlement services in the United States, including both traditional storefront agencies and online booking platforms. Overview of the ARC Surety Bond Program The ARC Surety Bond is a required credential for any business that participates in the ARC settlement system. It guarantees that a bonded agency will properly account for ticket sales and remit funds due to ARC-member airlines. As a Brokerage General Agency, Allstar Financial Group places these bonds with multiple surety markets and provides underwriting guidance and placement support to agents and brokers. Ideal Accounts and Appetite This program is designed for U.S.-based travel agencies, consolidators, travel management companies (TMCs), and online booking platforms that are applying for or renewing ARC accreditation. Allstar works with a wide range of financial profiles—from established agencies to startups—and can structure solutions that include collateral when required. Typical fits include agencies that issue airline tickets, handle group or corporate travel settlement, or act as consolidators for multiple distribution channels. Coverage Highlights and Advantages The ARC Surety Bond guarantees that the bonded agency will meet its financial settlement obligations to airlines through the ARC system. Key features include: Coverage for financial settlement obligations between travel agencies and ARC-member airlines Support for both brick-and-mortar agencies and online booking platforms Access to multiple carriers and surety markets to fit varied credit profiles Competitive terms based on financial strength and collateral availability Underwriting Notes and Minimum Premiums To obtain a quote, agents must submit a completed License, Permit, and Miscellaneous Bond application that is signed, dated, and witnessed. Underwriters typically require financial statements; collateral may be requested for weaker financial profiles or higher bond amounts. Minimum premiums and exact terms vary by bond amount, carrier appetite, and credit conditions—Allstar’s underwriting team will help you understand requirements and next steps for each account. Territories and Availability Allstar offers this ARC bond program in most U.S. jurisdictions, 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, DC, WV, WI, and WY. Availability can vary by carrier and underwriting conditions—contact Allstar for state-specific confirmation. Why Work With Allstar Financial Group Allstar Financial Group brings deep surety expertise and broad market access to help you place ARC bonds efficiently. As a BGA, Allstar offers responsive service, flexible underwriting, and relationships with multiple carriers—useful when an account requires collateral or non-standard terms. Their team can guide you through the application, documentation, and collateral processes so you can secure ARC accreditation for your clients. Agent scenarios that fit this program You have a startup online travel agency preparing to join ARC and need a bond structured with collateral until financial history is established. You represent an established storefront agency seeking renewal of its ARC bond and competitive terms from multiple surety markets. Frequently Asked Questions What types of accounts are a good fit for this ARC Bond program?This program is ideal for U.S.-based travel agencies, online booking platforms, consolidators, and travel management companies that need an ARC bond to issue airline tickets and participate in ARC settlement. What application materials are required to get started?Submit a completed and signed License, Permit, and Miscellaneous Bond application plus financial statements. Collateral may be required depending on the applicant’s financial profile. Is the bond available in all states?The ARC Bond program is available in most U.S. states, including major markets like CA, FL, NY, and TX. State-specific availability depends on carrier and underwriting considerations—contact Allstar to confirm. Can startups or new travel agencies qualify?Yes. Startups can qualify depending on financial backing and willingness to provide collateral. Allstar works with a range of financial profiles to find placement options. What makes Allstar Financial Group a strong partner for agents?Allstar provides access to multiple surety carriers, experienced underwriting guidance, and hands-on placement support—especially helpful for hard-to-place ARC bonds or accounts requiring collateral. Need help placing an account? Connect with a market specialist.

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.

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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