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Commercial trucking is changing rapidly—labor shortages,...e Company write excess coverage for trucking risks?Yes. Excess liability is av...

Continental Risk / Continental Marine Insurance Services offers comprehensive Directors and Officers (D&O) insurance solutions tailored for both non-profit and for-profit organizations. This program is designed to help insurance agents and brokers place coverage that protects key decision-makers and entities from a wide array of management liability exposures. The D&O program covers directors, officers, trustees, employees, volunteers, and the organization itself. It goes beyond traditional liability coverage to address complex and emerging risks, including allegations of fraud, misrepresentation, unfair competition, employment practices violations, and mismanagement of employee or pension benefit plans. Ideal Accounts and Appetite Private Companies: Closely held businesses across most industries. Not-for-Profit Organizations: Including charities, associations, and foundations. Public Entities: Select publicly traded companies (contact for underwriting review). Excess Coverage: Available for companies seeking additional layers of protection. Coverage Highlights and Advantages Directors & Officers Liability: Protects insureds from claims related to management decisions and negligence in their executive roles. Fiduciary Liability: Covers fiduciary duties related to employee benefit plans; available on a primary or excess basis. Employment Practices Liability: Addresses claims such as wrongful termination, discrimination, and sexual harassment. Tenant Discrimination Coverage: Helps property owners and managers defend against discrimination claims brought by prospective, current, or former tenants. Underwriting Notes and Minimum Premiums Primary and excess options are available with flexible structuring. Separate limit towers and retentions can be applied for each coverage part. Coverage is non-cancellable except for non-payment of premium. Capacity limits up to $10 million are available. Primary coverage suitable for entities with revenues up to $750 million. Excess coverage available with no revenue threshold. All classes considered except financial institutions. Minimum premiums vary depending on risk characteristics. Territories and Availability Available in all 50 states and Washington, DC. Some markets are admitted, while others are non-admitted, depending on jurisdiction and risk profile. Why Work With Continental Risk Continental Risk is an experienced Excess & Surplus Lines Broker with access to a broad spectrum of carriers. They offer tailored solutions for complex management liability exposures across various industries. Their underwriting team understands the nuanced needs of both non-profit and corporate clients. Responsive service and flexible program design help agents secure competitive coverage for difficult-to-place risks. Whether you have a non-profit board seeking protection for its volunteers or a mid-sized private company concerned about employment practices claims, Continental Risk provides a robust and flexible D&O insurance solution. Their expansive state availability and ability to write both primary and excess layers make them a valuable partner for agents placing management liability accounts. Frequently Asked Questions What types of accounts are a good fit for this D&O program?This program is ideal for private companies, not-for-profit organizations, and select public companies seeking primary or excess Directors and Officers coverage. Does the program include employment practices liability?Yes, Employment Practices Liability Insurance (EPLI) is available and covers claims such as wrongful termination, discrimination, and harassment. Can I write coverage in any state?Yes, this program is available in all 50 states and Washington, DC. Admitted status may vary by market and state. What is the maximum coverage limit available?Capacity limits are available up to $10 million, depending on the risk and coverage part. Is there a revenue cap for eligible accounts?Primary coverage is available for companies with revenues up to $750 million. There is no revenue limit for excess placements. Need help placing an account? Connect with a market specialist.

Commercial trucking is changing rapidly—labor shortages,...e Company write excess coverage for trucking risks?Yes. Excess liability is av...

...ting diesel and gasoline between terminals, refineries, and retail sites. A ...

...ice stations, small to mid-sized terminals and commercial/municipal heating fu...stributors, service stations, small terminals and contractors performing tank ...

Policy Highlights: Colonial General Insurance Agency, Inc. offers a tailored Employment Practices Errors and Omissions (E&O) Insurance solution designed to protect your clients from the growing risks tied to employment-related claims. Whether you're working with small businesses, professional offices, or mid-sized organizations, the potential for costly legal challenges due to hiring, firing, or workplace conduct is ever-present. Our program offers a flexible and competitive market that helps you meet the unique needs of your insureds. Overview of the Program From Colonial General Colonial General provides access to affordable and comprehensive E&O coverage for Employment Practices Liability (EPL), available through select admitted and non-admitted markets. As a Managing General Agency and Excess & Surplus Lines Broker, we understand the complex and evolving landscape of employment-related exposures. Our program is structured to help agents and brokers secure reliable protection for clients facing risks such as wrongful termination, discrimination, harassment, and other workplace-related claims. Ideal Accounts and Appetite This program is a strong fit for a wide range of businesses with potential exposure to EPL claims, including but not limited to: Professional services firms (e.g., legal, accounting, consulting) Retail businesses and hospitality operations Healthcare offices and clinics Light manufacturing and distribution companies Non-profits and member-based organizations We can consider risks with various employee counts and exposure levels. You might have a client operating a regional law office or a growing medical clinic—both can benefit from E&O coverage embedded with strong employment practices protection. Coverage Highlights and Advantages Flexible limits and deductible options available Coverage can be packaged with Directors & Officers (D&O) liability Defense costs can be included within or outside of policy limits, depending on carrier Coverage for full-time, part-time, and seasonal employees Access to risk management tools and legal support resources (varies by carrier) Premiums are based on key underwriting factors such as the number of employees and the nature of the business operations. Underwriting Notes and Minimum Premiums Our underwriters evaluate submissions based on the size and scope of the business, prior claims history, HR practices in place, and industry classification. While minimum premiums vary by carrier and risk profile, we are committed to offering competitive pricing options for qualifying accounts. Territories and Availability This Employment Practices Errors and Omissions Insurance program is available in the following states: Arizona (AZ) California (CA) Colorado (CO) Idaho (ID) Nevada (NV) New Mexico (NM) Utah (UT) Wyoming (WY) Admitted products are available in select markets, while non-admitted options may be offered depending on the risk. Why Work With Colonial General? Colonial General brings decades of wholesale and MGA experience to the table. Our deep market access and underwriting expertise allow us to help agents place hard-to-place or niche risks with confidence. We offer personalized service, quick turnaround times, and the ability to customize solutions to meet the needs of diverse clients. Whether your client is facing a heightened risk environment or simply needs a thorough EPLI policy as part of their risk management plan, Colonial General is here to help. Frequently Asked Questions What types of accounts are a good fit for this program?We typically write small to mid-sized businesses across professional services, healthcare, retail, light manufacturing, and nonprofits with exposure to employment-related claims. Can this policy be packaged with other coverages?Yes, Employment Practices E&O coverage can be packaged with Directors & Officers (D&O) liability and other management liability products when appropriate. Are both admitted and non-admitted markets used?Yes, we access both admitted and non-admitted markets depending on the risk profile and state availability. What underwriting information is needed for a quote?Typical submissions should include a completed application, number of employees, business description, loss history, and details about HR policies and procedures. In which states is this program available?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Need help placing an account? Connect with a market specialist.

...p repairers Stevedores and terminal operators Barge repairers and ...edores, shipyards, barge repairers, terminal operators, and marine constructio...

Continental Risk Insurance Services is proud to offer EPLI with a wage and hour sublimit. MP $1,000 Overview of the Program From Continental Risk Employment-related lawsuits continue to rise, and employers of all sizes face serious financial risk from claims related to wrongful termination, discrimination, harassment, and wage and hour violations. Continental Risk / Continental Marine Insurance Services offers a flexible Employment Practices Liability Insurance (EPLI) program designed to help your clients manage these evolving exposures—with the added advantage of a wage and hour sublimit. Ideal Accounts and Appetite Our EPLI program is designed for a wide range of businesses, from small to mid-sized firms to larger organizations with more complex risks. We have strong appetite for the following classes: Auto Dealers Physicians and Medical Practices Law Firms Manufacturers Construction Companies Restaurants and Hospitality Businesses Staffing Agencies and PEOs Property Managers Healthcare Entities Insurance and Financial Institutions Real Estate Firms Casinos And many more Whether you’re placing a 50-employee medical group or a regional construction firm with exposure to wage and hour claims, this program offers flexible solutions tailored to your insured's needs. Coverage Highlights and Advantages Wage and Hour defense sublimit available up to $1,000,000 (subject to underwriting) Unlimited HR support via telephone and email to help your clients proactively manage risk “All Risk” coverage for violations of federal, state, local, civil rights, or anti-discrimination laws Wrongful Termination coverage includes Constructive Discharge Broad definitions and strong policy language designed to minimize gaps Note: Terms and conditions may vary based on underwriting guidelines. Underwriting Notes and Minimum Premium The minimum premium for this EPLI program starts at $1,000. Limits and terms are subject to underwriting, and we work closely with brokers to evaluate each risk individually. We welcome accounts with prior claims history for review. Territories and Availability This program is available in the following states: AL, AK, AZ, CA, FL, GA, ID, MO, NV, NY, NC, OH, OR, TN, TX, UT, and WA. Some admitted options are available depending on the state and risk profile; however, most placements are through non-admitted carriers. Why Work With Continental Risk As an experienced Excess & Surplus Lines Broker, Continental Risk / Continental Marine Insurance Services brings deep market access and underwriting expertise to the table. Our team is committed to helping agents secure the best possible EPLI solutions for their clients—with responsive service and tailored coverage options. If you have clients in high-risk sectors or those who need help managing employee-related exposures, we’re ready to support you with competitive programs and knowledgeable underwriting support. Frequently Asked Questions What types of accounts are a good fit for this EPLI program?This program is ideal for businesses in sectors such as healthcare, legal, hospitality, staffing, construction, and financial services. We welcome both small and mid-sized businesses as well as larger firms with complex exposures. Does the policy include coverage for wage and hour claims?Yes, the program includes a sublimit for Wage and Hour defense costs, with limits up to $1 million available, subject to underwriting. Is HR support included with the policy?Yes, unlimited HR support by phone and email is included to help your clients proactively manage employee relations and mitigate EPLI exposures. What is the minimum premium for this program?The minimum premium starts at $1,000, though final pricing will depend on underwriting factors such as industry, number of employees, and claims history. Which states is this program available in?We offer this EPLI program in AL, AK, AZ, CA, FL, GA, ID, MO, NV, NY, NC, OH, OR, TN, TX, UT, and WA. Availability may vary depending on the risk and carrier. Need help placing an account? Connect with a market specialist.

...eet fueling facilities and truck terminals Manufacturing and industrial site...rogram?Gas stations, fleet fueling facilities, industrial sites, and commercia...

...ive exposures in member-focused facilities Employment Practices Liability ...s, yoga studios, personal training facilities, and wellness centers with solid...