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...a wreck on I-10 where a car hit a truck and sent it out of control to where i...down and scalped the old man when the truck flipped. After it was over, I tho...

Metcom Excess – Trucking Insurance Since 1993, Metcom Excess has focused on trucking insurance solutions for a broad ra...ic risk profile. Which states is this Trucking Insurance program available in?...

...ehicle dealers and restorers Tow truck operations (non-fleet) Motorcycle, ... might have a client who runs a rural truck stop with a repair bay and towing ...

...dential Street/Road Paving Trucking – Short and Long Haul Constructi...n harder to place, like para-transit, trucking, and residential roofing. What ...

IPMG's Employee Benefits Insurance Services division is a full-service third-party administrator (TPA) specializing in self-funded employee benefits plans. Our mission is simple: to deliver cost-effective solutions that protect your client’s bottom line without compromising the quality of care or service. As an agent or broker working with self-funded employers, you know how critical it is to partner with a TPA that brings real value. At IPMG, we combine deep industry knowledge, in-house expertise, and innovative cost containment strategies to help you deliver measurable results to your clients. Our focus is not only on managing claims efficiently but also on maintaining high participant satisfaction throughout the process. Ideal Accounts and Appetite We work with agents and brokers who serve mid-sized to large employers looking to self-fund their group health and ancillary benefits. Ideal accounts include companies seeking greater control over plan design and cost savings through strategic claims management and proactive health services. Examples of strong-fit clients include: A manufacturing firm in Illinois with 150 employees interested in reducing rising group health insurance premiums through a self-funded model. A multi-location Missouri-based employer seeking a TPA with in-house nurse case management and COBRA administration. Coverage Highlights and Advantages IPMG’s Employee Benefits Insurance Services division delivers comprehensive administrative solutions, including: Medical and Dental Claims Administration Vision Claims Administration Excess/Stop Loss Insurance Placement COBRA Administration Utilization Review and Nurse Case Management Cafeteria 125 Flex Plans Health Management Services Customized reporting and analytics Our integrated approach ensures that every claim is handled with a focus on cost containment and participant satisfaction. We bring clarity to complex benefit structures and help employers manage risk more effectively. Underwriting Notes and Minimum Premiums Our solutions are tailored to fit the unique needs of self-funded employers. While minimum premium requirements may vary based on the size and complexity of the group, we offer flexible plan designs and administrative models. Contact us to discuss specific account opportunities and underwriting considerations. Territories and Availability This program is currently available in Illinois and Missouri. We are actively supporting agents and brokers in these states with dedicated regional expertise and responsive service. Why Work With IPMG? As a trusted Program Administrator, IPMG brings more than just administrative services—we deliver strategic partnership. Our experienced in-house team supports your efforts with: Proven cost containment strategies Efficient claims processing and reporting Comprehensive suite of employee benefits services Personalized support for agents and their clients Whether you're working with a client transitioning to self-funding or looking to enhance their current TPA services, IPMG is ready to help you deliver results. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for mid-sized to large employers in Illinois and Missouri who are interested in self-funded employee benefits solutions. What services are included in the employee benefits program?Services include medical, dental, and vision claims administration, stop-loss placement, COBRA administration, utilization review, nurse case management, and more. Can IPMG help place stop-loss coverage?Yes, IPMG provides excess/stop-loss insurance placement as part of our comprehensive TPA services. Is there a minimum group size to qualify?Minimum group size requirements can vary depending on plan design and underwriting considerations. Contact us to discuss specific cases. Which states is this program available in?This program is currently available in Illinois and Missouri. Need help placing an account? Connect with a market specialist.

... Gas stations, fueling depots, and truck stops Marinas, boatyards, and waterfront ...

Discontinued Products Coverage from Continental Risk / Continental Marine Insurance Services Continental Risk / Continental Marine Insurance Services offers a specialized Discontinued Products insurance program designed for businesses that have permanently ceased operations but still face product liability exposures. This program is intended for manufacturers, importers and distributors whose physical products remain in the marketplace after the company has closed. It helps protect your client from third-party bodily injury or property damage claims arising from products sold before the business ended — exposures that a standard CGL no longer covers once the operations stop. Ideal Accounts and Target Industries This program is a good fit for closed businesses that previously manufactured, imported, or distributed tangible products. Target classes include: Automotive parts Cosmetics, skin & hair products Electrical equipment Exercise and home fitness equipment Furniture Importers & distributors Machinery & equipment Non-invasive medical products Sporting goods Toys Example: You may have a client who sold their home fitness equipment business five years ago. They no longer operate, but their products are still used — this program can provide ongoing protection for claims that surface now from those legacy products. Coverage Highlights and Advantages The Discontinued Products policy bridges the gap after a business shuts down and its commercial general liability policy expires. Key features include: Coverage for bodily injury and property damage caused by products sold before closure Policy terms tailored to state-specific limitation/repose considerations Premium schedules that commonly decline over time to reflect reducing exposure In practice, first-year pricing is often close to the insured’s last annual CGL premium, with subsequent years reduced (commonly 10–25% or more), allowing clients to control cost as the tail exposure diminishes. Underwriting Notes and Minimum Premiums Continental Risk works with both admitted and non-admitted carriers to offer flexible placement options. Underwriters will evaluate product type, historic and current claims activity, distribution channels, and applicable state law when pricing and setting terms. Minimum premiums vary by carrier and account; discuss specifics with the underwriting team when submitting a risk. Territory and Availability This program is available to agents and brokers in most U.S. states, 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 and admitted versus non-admitted options may vary by state and carrier. Why Work With Continental Risk / Continental Marine Insurance Services? As an excess & surplus lines broker with deep experience in product liability and post-operation exposures, Continental Risk provides tailored solutions for discontinued product tails. Their access to both admitted and non-admitted markets, combined with focused underwriting on manufacturing and imported products, helps you place complex discontinued product risks more confidently and competitively. Learn more about Continental Risk / Continental Marine Insurance Services Frequently Asked Questions What types of accounts are a good fit for this program?This program is best for closed businesses that previously manufactured, imported, or distributed physical products — especially in industries such as automotive parts, cosmetics, fitness equipment, and toys. How is the premium structured for Discontinued Products coverage?Premiums commonly follow a declining structure: first-year pricing may be similar to the last annual CGL premium, with subsequent years reduced (often 10–25% or more), depending on the product, claims history, and carrier. Can this program be tailored to state-specific legal requirements?Yes. Policies can be customized to align with applicable state statutes of limitation or repose so the coverage period matches the client’s exposure profile. Are both admitted and non-admitted carriers available?Yes. Continental Risk / Continental Marine Insurance Services places discontinued products business with both admitted and non-admitted markets to provide flexibility across a range of risks. Is this program available nationwide?The program is available in most U.S. states. Confirm current availability and admitted/non-admitted options with the underwriting team for specific states. Need help placing an account? Connect with a market specialist.

A professional providing a service to others can be sued for an actual or alleged error or omission! Although Errors & Omissions (E&O) claims may not be frequent, they can be financially devastating to the professionals and businesses involved. Whether or not your client is at fault, the cost of defending a claim can be significant—and the exposure to reputational harm is real. At Alexander J. Wayne & Associates, we specialize in placing Errors & Omissions coverage for a wide range of professional services. As a wholesale broker with decades of experience and access to top-rated carriers, we help retail agents place both standard and hard-to-place E&O accounts quickly and effectively. Ideal Accounts and Target Classes We offer tailored E&O solutions for hundreds of professional classes. Some of our focus areas include: • Claims Management • Real Estate Professionals • Environmental Consultants • Appraisers • Call Centers • Court Reporters • Business Brokers • Financial Consultants • Home Inspectors • Health Care Consultants • Insurance Consultants • Management Consultants • Mortgage Brokers • Staffing Companies • Title/Escrow Agents • Trustees • And many more If you have a niche or non-standard class, contact us—we likely have a market for it. Coverage Highlights and Advantages We work with “A”-rated carriers and offer flexible coverage options to meet your clients’ needs, including: • Third Party Discrimination Coverage • Full Prior Acts • First Dollar Defense Expense • Excess Limits Available • Group or Association Programs • Fast Turnaround on Quotes • Defense for Fee Disputes • Contingent Bodily Injury & Property Damage Options Limits are available from $100,000 up to $10,000,000 or more. Policies can be customized based on your client's risk profile and industry. Underwriting Guidelines and Minimum Premiums Our minimum premiums start at $750, with pricing flexibility depending on class and risk. We pride ourselves on quick response times and the ability to deliver multiple quote options—often before an agent receives their first indication from other markets. Available States We provide access to E&O coverage in nearly every U.S. state, 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. Some admitted options are available depending on the state and class. Why Work With Alexander J. Wayne & Associates? Our strong relationships with underwriters and specialty markets allow us to provide fast, flexible, and competitive E&O solutions. Whether you're placing a standard professional account or a tough-to-place risk, we deliver results that exceed expectations. Retail agents are often surprised at how quickly we deliver multiple quote options—often before they hear back from their usual markets. Let us help you expand your E&O offerings and win more accounts. Frequently Asked Questions What types of accounts are a good fit for this Errors & Omissions program?We specialize in a wide range of professional service providers including consultants, brokers, appraisers, inspectors, and more. Both standard and hard-to-place risks are welcome. What is the minimum premium for this program?Minimum premiums start at $750, but pricing may vary based on class, limits, and underwriting factors. Are admitted carriers available?Yes, we have access to admitted carriers in some states and for certain classes. Availability depends on the individual risk and location. Can you quote risks with prior claims or unusual exposures?Yes, we have markets that can consider distressed or hard-to-place E&O risks, including those with prior claims or unique operational exposures. How quickly can I get a quote?We pride ourselves on fast turnaround. In many cases, we can provide multiple quote options before you receive your first response from other markets. Need help placing an account? Connect with a market specialist.

We have this program and many more tailored for swimming pool contractors. Writing this class has never been easier. With access to up to five carriers, Gladius Insurance Services, LLC can help you find the right fit for your swimming pool contractor clients’ needs. Guardian Program Overview from Gladius Insurance Services Gladius Insurance Services, LLC offers a specialized Contractors General Liability program designed for smaller general contractors and artisan trades, including swimming pool contractors. Whether your client is focused on residential or commercial pool installations, this program offers broad eligibility, fast turnarounds, and competitive pricing through a strong non-admitted market. Ideal Accounts and Appetite This program is a great fit for artisan contractors and general contractors involved in construction, remodeling, or specialty trades. Key eligible classes include: Swimming pool contractors (commercial and residential) Roofers, framers, and foundation specialists Plumbers, sewer and water main contractors Paper contractors and other artisan trades You might have a client who builds custom residential pools or manages large commercial pool installations—this program is designed to accommodate a wide range of exposures and business models, including accounts with 100% subcontracted work. Coverage Highlights and Advantages A.M. Best A- (Excellent) rated carrier 100% subcontracted work allowed Rating based on gross receipts—ideal for high payroll operations Fast 24-hour quote turnaround Minimum earned premium of 15% No limitations on subcontracted work New ventures and gaps in coverage considered Optional coverages include Blanket Additional Insureds, Waiver of Subrogation, Per Project Aggregate, Completed Operations (commercial only), and Stop Gap endorsements Underwriting Notes and Minimum Premiums Artisan contractors: Minimum premium of $750 for most classes General contractors: Minimum premium of $1,500 Roofers: Minimum premium of $3,000 Maximum limits available: $1M/$2M/$2M Territories and Availability This is a non-admitted program written through United Specialty Insurance Company. Coverage is available in most states, excluding NY, NV, CO, LA, ME, WI, VA, WV, DE, RI, MA, and HI. States where the program is available include CA, TX, FL, AZ, IL, GA, WA, and many others. Why Work With Gladius Insurance Services? As an Excess & Surplus Lines Broker with access to multiple carriers, Gladius Insurance Services offers flexibility, responsiveness, and a deep understanding of contractor risks. Our team is dedicated to helping agents place tough-to-write classes like swimming pool contractors quickly and efficiently. We understand the nuances of artisan and general contracting exposures and can structure coverage that aligns with your client’s operations. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for swimming pool contractors, general contractors, and artisan trades involved in commercial or residential work, especially those that subcontract out a large portion of their operations. Is this program available for new ventures?Yes, new ventures and accounts with prior coverage gaps are considered under this program. What are the minimum premiums for this program?Minimum premiums start at $750 for most artisan contractors, $1,500 for general contractors, and $3,000 for roofers. What is the turnaround time for quotes?Gladius Insurance Services typically provides quotes within 24 hours of receiving a complete submission. Can this program accommodate 100% subcontracted work?Yes, the program allows for 100% subcontracted operations with no limitations. Need help placing an account? Connect with a market specialist.

...cy spill response firms and vacuum truck operators Asbestos/lead abatement c...