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Innovanté Benefit Administrators provides a multi-pronged strategy that results in compelling discounts and savings for our clients. Our core services include: •Claims adjudication and customer service •Online enrollment and billing •Plan documents and ID card production •Unlimited benefit plan arrangements, including HSAs, HRAs, and FSAs, including education •COBRA and HIPAA administration •Bank reconciliations We also provide: •Compelling customized provider network options and discounts •National Provider Networks •Executive summary reporting with drill-through capabilities and multiple format options •Pharmacy and medical claims data integration to mitigate claims expense •Surgical benefit management, domestic and international options available •Robust online technology with member, employer, broker portal access •Online purchase of OTC health products •Fully insured exclusive transplant network •Transplant and renal dialysis networks •Bilingual customer representatives Innovanté offers extremely competitive and compelling options for employees and brokers. Innovanté’s services include: •Medical •Vision •Dental •Flex •HRA and HSA Administration •Pharmacy •iFIT Health & Wellness Programs ?Complete biometric screening yielding stop-loss discounts ?Health risk assessment ?Health self-management programs ?24/7 physician telephonic office visits with prescription authorizations ?24/7 NurseLine ?Utilization review ?Case management ?Disease/population management ?Maternity program ?Flu shot program •Employee Assistance Program To learn more about Innovanté’s service offerings, please visit www.Innovanté.net.

Everything you need for integrated benefits Innovanté Benefit Administrators provides a multi-pronged strategy that results in compelling discounts and savings for our clients. Our core services include: •Claims adjudication and customer service •Online enrollment and billing •Plan documents and ID card production •Unlimited benefit plan arrangements, including HSAs, HRAs, and FSAs, including education •COBRA and HIPAA administration •Bank reconciliations We also provide: •Compelling customized provider network options and discounts •National Provider Networks •Executive summary reporting with drill-through capabilities and multiple format options •Pharmacy and medical claims data integration to mitigate claims expense •Surgical benefit management, domestic and international options available •Robust online technology with member, employer, broker portal access •Online purchase of OTC health products •Fully insured exclusive transplant network •Transplant and renal dialysis networks •Bilingual customer representatives Innovanté offers extremely competitive and compelling options for employees and brokers. Innovanté’s services include: •Medical •Vision •Dental •Flex •HRA and HSA Administration •Pharmacy •iFIT Health & Wellness Programs Complete biometric screening yielding stop-loss discounts Health risk assessment Health self-management programs 24/7 physician telephonic office visits with prescription authorizations 24/7 NurseLine Utilization review Case management Disease/population management Maternity program Flu shot program •Employee Assistance Program To learn more about Innovanté’s service offerings, please visit www.Innovanté.net.

OnPoint Underwriting — Program Overview OnPoint Underwriting provides a portfolio of niche programs designed for agents and brokers who need specialized placement options. Their offerings span construction and contractor products, industry-specific packages for manufactured housing and bookstores, managed healthcare solutions, executive liability for small-to-mid-sized organizations, and specialty programs such as hole-in-one, security/alarm, and a proprietary RRG. Many programs are structured for quick quoting, fast turnaround, and reliable service across admitted and non-admitted markets. ACECO: ACECO Hole-in-One Insurance lets your clients offer high-value prizes at golf events with a modest premium. The program is built for fast placement and dependable payouts, making it easy to add attractive promotional prizes without a long approval cycle. Builder’s Risk: OnPoint’s Builder’s Risk program uses satellite and aerial imagery, proprietary wind-risk analytics, and geo-radius tools to deliver precise, competitive coverage for residential and commercial construction projects. Agents can quote, bind, and issue policies quickly—helpful for fast-moving construction timelines. Contractor’s Equipment: Targeted to Construction, Crane & Rigging, and Forestry accounts, this program covers mobile equipment, tools, and machinery. With an approximate 80% account retention rate, the offering emphasizes industry experience and fast turnaround for contractor clients. Executive Liability: Designed for organizations with up to $50 million in revenue and up to 500 employees, this package can include Directors & Officers, Employment Practices Liability, Fiduciary, Crime, Cyber, and Miscellaneous Professional Liability—addressing the layered management exposures of small and mid-sized businesses. Golden Insurance: Golden Insurance Company RRG provides specialized liability and related coverages for builders, contractors, and artisans since 2001. This market offers flexible underwriting tailored to construction-related classes and risk control needs. LIBRIS: LIBRIS (League of Independent Book Retailer Insurance Services) is a bookseller-created program offering property, liability, and business interruption solutions tailored to independent bookstores and similar retail operations. Managed Healthcare: The EzHMO Program is a managed-care solution that can improve coverage and benefits while reducing premiums for healthcare clients—presented as a streamlined alternative for groups seeking lower cost without increased downside risk. Manufactured Housing: As a leading writer for manufactured housing parks and dealers, OnPoint’s program offers enhanced coverage options, competitive rates, and service geared to both large consolidators and single-location owners. Security and Alarm: This specialized program provides Commercial General Liability and Professional Liability for Security, Alarm, Low-Voltage, and Electrical contractors. Underwritten by Lloyd’s of London (non-admitted, A.M. Best A-rated markets), it’s designed for national placement and industry-specific exposures. Ideal Accounts and Appetite Construction contractors (builders, trade contractors, crane & rigging, equipment owners/operators) Manufactured housing park owners and dealers Independent bookstores and small retail specialty shops Small to mid-sized organizations needing executive/mgmt liability (under $50M revenue) Security, alarm, low-voltage, and electrical contractors needing CGL and professional liability Event promoters seeking hole-in-one prize coverage and companies needing short-term promotional risk transfer Coverage Highlights and Advantages Fast quoting, binding, and issuance on many programs—built for busy agents placing time-sensitive accounts. Specialized underwriting tools: satellite/aerial imagery, wind analytics, and geo-radius assessments to improve accuracy and pricing for builder’s risk and construction risks. Access to both admitted and non-admitted markets, including Lloyd’s and an experienced RRG—helpful where standard markets are limited. Industry-specific forms and endorsements for contractors, manufactured housing, bookstores, and security/alarm classes. Proven retention and service focus—OnPoint emphasizes quick turnarounds and ongoing account servicing. Underwriting Notes and Minimum Premiums Appetite and specific terms vary by program. Minimum premiums and eligibility are program-dependent; many accounts place quickly, but larger or higher-hazard risks will require additional underwriting detail. Provide loss runs, ACV/listings for equipment, construction values and schedules, payroll/revenue breakdowns for executive liability, and details about security systems or bookstore inventory where relevant. Territories and Availability OnPoint’s programs are available nationwide. You can place business in all 50 states plus Washington, D.C., using admitted and non-admitted placements depending on program and state requirements. Why Work with OnPoint Underwriting OnPoint combines niche market expertise with modern underwriting tools and national placement capabilities. For agents this means access to specialized programs not typically available through standard markets, faster service for time-sensitive placements, and underwriting teams familiar with the operational exposures in construction, manufactured housing, retail bookselling, healthcare, and security/alarm industries. Example Accounts That Fit Well A regional general contractor building a multi-unit residential development seeking builder’s risk coverage with rapid bind capability and wind-risk analysis. An independent bookstore owner looking for tailored property, inventory, and business interruption coverage with forms designed for retail booksellers. Frequently Asked Questions What types of accounts are a good fit for OnPoint Underwriting programs? OnPoint focuses on niche markets: construction contractors, manufactured housing park owners and dealers, independent bookstores, healthcare providers, and security/alarm firms. Each program is tailored to those industry needs. Can I quote and bind coverage quickly with OnPoint? Yes. Several programs—especially Builder’s Risk and Contractor’s Equipment—are set up for fast quoting, binding, and policy issuance through streamlined underwriting processes. Is coverage available in all states? Yes. OnPoint’s programs are available in all 50 states plus Washington, DC, providing nationwide placement options for your clients. Are the programs admitted or non-admitted? OnPoint works with both admitted and non-admitted markets, including Lloyd’s of London in certain programs. The market used will depend on the program and the insured’s state. What makes OnPoint Underwriting different from other program administrators? OnPoint pairs specialized underwriting expertise with tools like satellite imagery and wind analytics, and emphasizes fast turnaround and high account retention—making it a strong option for underserved niche industries. Need help placing an account? Connect with a market specialist.

Innovanté Benefit Administrators provides a multi-pronged strategy that results in compelling discounts and savings for our clients. Our core services include: •Claims adjudication and customer service •Online enrollment and billing •Plan documents and ID card production •Unlimited benefit plan arrangements, including HSAs, HRAs, and FSAs, including education •COBRA and HIPAA administration •Bank reconciliations We also provide: •Compelling customized provider network options and discounts •National Provider Networks •Executive summary reporting with drill-through capabilities and multiple format options •Pharmacy and medical claims data integration to mitigate claims expense •Surgical benefit management, domestic and international options available •Robust online technology with member, employer, broker portal access •Online purchase of OTC health products •Fully insured exclusive transplant network •Transplant and renal dialysis networks •Bilingual customer representatives Innovanté offers extremely competitive and compelling options for employees and brokers. Innovanté’s services include: •Medical •Vision •Dental •Flex •HRA and HSA Administration •Pharmacy •iFIT Health & Wellness Programs -Complete biometric screening yielding stop-loss discounts -Health risk assessment -Health self-management programs -24/7 physician telephonic office visits with prescription authorizations -24/7 NurseLine -Utilization review -Case management -Disease/population management -Maternity program -Flu shot program •Employee Assistance Program To learn more about Innovanté’s service offerings, please visit www.Innovanté.net

Everything you need for integrated benefits Innovanté Benefit Administrators provides a multi-pronged strategy that results in compelling discounts and savings for our clients. Our core services include: •Claims adjudication and customer service •Online enrollment and billing •Plan documents and ID card production •Unlimited benefit plan arrangements, including HSAs, HRAs, and FSAs, including education •COBRA and HIPAA administration •Bank reconciliations We also provide: •Compelling customized provider network options and discounts •National Provider Networks •Executive summary reporting with drill-through capabilities and multiple format options •Pharmacy and medical claims data integration to mitigate claims expense •Surgical benefit management, domestic and international options available •Robust online technology with member, employer, broker portal access •Online purchase of OTC health products •Fully insured exclusive transplant network •Transplant and renal dialysis networks •Bilingual customer representatives Innovanté offers extremely competitive and compelling options for employees and brokers. Innovanté’s services include: •Medical •Vision •Dental •Flex •HRA and HSA Administration •Pharmacy •iFIT Health & Wellness Programs -Complete biometric screening yielding stop-loss discounts -Health risk assessment -Health self-management programs -24/7 physician telephonic office visits with prescription authorizations -24/7 NurseLine -Utilization review -Case management -Disease/population management -Maternity program -Flu shot program •Employee Assistance Program To learn more about Innovanté’s service offerings, please visit www.Innovanté.net.

Innovanté Benefit Administrators provides a multi-pronged strategy that results in compelling discounts and savings for our clients. Our core services include: •Claims adjudication and customer service •Online enrollment and billing •Plan documents and ID card production •Unlimited benefit plan arrangements, including HSAs, HRAs, and FSAs, including education •COBRA and HIPAA administration •Bank reconciliations We also provide: •Compelling customized provider network options and discounts •National Provider Networks •Executive summary reporting with drill-through capabilities and multiple format options •Pharmacy and medical claims data integration to mitigate claims expense •Surgical benefit management, domestic and international options available •Robust online technology with member, employer, broker portal access •Online purchase of OTC health products •Fully insured exclusive transplant network •Transplant and renal dialysis networks •Bilingual customer representatives Innovanté offers extremely competitive and compelling options for employees and brokers. Innovanté’s services include: •Medical •Vision •Dental •Flex •HRA and HSA Administration •Pharmacy •iFIT Health & Wellness Programs ?Complete biometric screening yielding stop-loss discounts ?Health risk assessment ?Health self-management programs ?24/7 physician telephonic office visits with prescription authorizations ?24/7 NurseLine ?Utilization review ?Case management ?Disease/population management ?Maternity program ?Flu shot program •Employee Assistance Program To learn more about Innovanté’s service offerings, please visit www.Innovanté.net.

Everything you need for integrated benefits Innovanté Benefit Administrators provides a multi-pronged strategy that results in compelling discounts and savings for our clients. Our core services include: •Claims adjudication and customer service •Online enrollment and billing •Plan documents and ID card production •Unlimited benefit plan arrangements, including HSAs, HRAs, and FSAs, including education •COBRA and HIPAA administration •Bank reconciliations We also provide: •Compelling customized provider network options and discounts •National Provider Networks •Executive summary reporting with drill-through capabilities and multiple format options •Pharmacy and medical claims data integration to mitigate claims expense •Surgical benefit management, domestic and international options available •Robust online technology with member, employer, broker portal access •Online purchase of OTC health products •Fully insured exclusive transplant network •Transplant and renal dialysis networks •Bilingual customer representatives Innovanté offers extremely competitive and compelling options for employees and brokers. Innovanté’s services include: •Medical •Vision •Dental •Flex •HRA and HSA Administration •Pharmacy •iFIT Health & Wellness Programs -Complete biometric screening yielding stop-loss discounts -Health risk assessment -Health self-management programs -24/7 physician telephonic office visits with prescription authorizations -24/7 NurseLine -Utilization review -Case management -Disease/population management -Maternity program -Flu shot program •Employee Assistance Program To learn more about Innovanté’s service offerings, please visit www.Innovanté.net.