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Overview — PointSure: Workers' Compensation for Contractors and Maritime Employers PointSure Insurance Services, Inc. offers a wholesale program placing Workers' Compensation and related maritime liability for contractors and maritime employers. This program is designed for agents and brokers seeking admitted capacity with SeaBright Insurance Company for construction contractors (including collectively bargained California union accounts), vessel employers, shipyards, longshore operations and other maritime exposures. Use this market when your insured needs broad workers' compensation solutions combined with USL&H and maritime employers' liability placement options. Ideal Accounts and Appetite Union and non-union contractors, including California collectively bargained union contractors. Maritime employers: vessel operators, crews, ship repair and maintenance, longshore and terminal operations, marine contractors performing work on or near navigable waters. Accounts with larger payrolls or consolidated payrolls that meet program minimums—this is a market for mid-to-large accounts rather than small single-employee risks. Accounts with organized safety programs and documented loss control, and those able to provide standard payroll and claims details. Coverage Highlights and Advantages Admitted workers' compensation placement through SeaBright Insurance Company, helping agents place business with carriers acceptable to many insureds and buyers. Integrated handling of USL&H and Maritime Employers' Liability exposures alongside statutory workers' compensation for a coordinated placement. Program experience with collectively bargained California union contractors and specialized maritime classes that many standard markets decline or limit. Ability to support multi-state operations and certain specialty classes with underwriting that understands marine exposures and contractor payroll structures. Underwriting Notes and Minimum Premiums Underwriting focuses on payroll size, loss history, class codes, and safety controls. Minimum premiums vary by coverage line and state — confirm details at submission. Typical minimums include: Collectively bargained workers' compensation (California union contractors only): Minimum premium = $250,000 Statutory workers' compensation for contractors: Minimum premium = $75,000 in AK and HI; $250,000 in other states Statutory workers' compensation for other classes (Alaska and Hawaii only): Minimum premium = $75,000 USL&H and Maritime Employers' Liability: Minimum premium = $125,000 in CA $75,000 in AK, OR and WA $100,000 in other states Supporting coverage available in select other states — call PointSure for details and state-by-state availability. Please note these minimums are underwriting thresholds and subject to change; provide full submission details to get current terms. Territories and Availability Admitted status: All Available States. PointSure currently places business through this program in states including AZ, CA, IL, IN, IA, KY, MI, MO, NV, TX and WI, with additional state support as noted for specific coverages. Availability can vary by class and state – confirm at time of submission. Why Work With PointSure on This Business Wholesale broker expertise: PointSure focuses on placing complex contractor and maritime workers' compensation risks that require an underwriter familiar with marine exposures. Carrier access: Placement through SeaBright Insurance Company provides an admitted option for many classes and helps streamline placement for insureds that prefer admitted paper. Responsive submissions: PointSure underwriters are experienced with the documentation and payroll detail these accounts require, helping reduce turnaround for binding decisions. Example Account Scenarios California union contractor with multiple collective bargaining agreements seeking admitted workers' compensation coverage for large payrolls — fits the program's CA union appetite with the applicable minimums. Regional marine contractor performing vessel repairs and dock work across WA and OR with USL&H exposures — good fit when you need coordinated maritime employers' liability and workers' compensation placement. Frequently Asked Questions What types of accounts are a good fit for this PointSure program?Contractors with larger payrolls (including collectively bargained California union accounts) and maritime employers with USL&H exposures — shipyards, vessel operators, longshore work and marine contractors are primary targets. Which carrier writes this program and is the paper admitted?This program places admitted paper with SeaBright Insurance Company. Admitted availability is represented as All Available States, but state-by-state capacity and terms can vary. What are the underwriting minimums I should expect?Minimum premiums vary by coverage and state. Examples include $250,000 minimum for CA collectively bargained workers' compensation; $75,000 minimum in AK and HI (and $250,000 in other states) for contractor statutory WC; and USL&H minimums of $125,000 in CA, $75,000 in AK/OR/WA, and $100,000 in other states. Provide a full submission to confirm current thresholds. What submission information speeds review and quoting?Provide complete payroll breakdowns by class code, current loss runs (five years if available), details on collective bargaining where applicable, descriptions of marine operations or vessel exposure, and any written safety or return-to-work programs. Need help placing an account? Connect with a market specialist.

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Dental Professional Liability Insurance With dental practice continually evolving, Affinity Healthcare offers the Dentist's Advantage Dental Professional Liability Insurance program — a market-leading professional liability product designed specifically for dental professionals. The program combines broad forms, flexible limits, and industry-focused risk management to help you place dental malpractice coverage for a wide range of dentists and dental practices. Program Highlights Occurrence and claims-made forms available Flexible limits up to $5 million per occurrence / $6 million aggregate Defense costs paid in addition to policy limits Licensure board hearings defense coverage included Definition of “insured” includes employees and independent-contractor hygienists Free tail coverage at retirement for eligible insureds Free locum tenens coverage up to 120 days per year Consent-to-settle provision No dental specialties excluded Premium credits available Risk Management Support 24-hour risk management hotline staffed by dental colleagues Quarterly newsletters with legal and risk-management tips Online access to electronic forms designed to reduce claims exposure Additional Insurance Available Business Owners Package Corporate Identity Protection General Liability Business Auto Commercial Umbrella Workers' Compensation Endorsing Professional Associations Academy of General Dentistry (AGD) National Dental Association (NDA) Hispanic Dental Association (HDA) National Society of Dental Practitioners (NSDP) Overview of the Program from Affinity Healthcare This Dentist's Advantage program is administered by Affinity Healthcare and underwritten by National Union Fire Insurance Company of Pittsburgh, PA. The program is built for agents who need a dental-specific professional liability market with comprehensive forms, risk-management resources, and flexible limit options. Ideal Accounts and Appetite This program targets general dentists, multi-dentist practices, and specialists across dental disciplines — including those who perform restorative, endodontic, oral surgery, and other procedures. It is appropriate for solo practitioners up to small and mid-sized group practices. The program accepts accounts that want robust defense-in-addition language, licensure hearing representation, and locum coverage. Accounts that may not fit include extremely high-risk specialty practices with unusual procedural exposures or locations requiring specialized coverage outside the standard appetite — consult underwriting for borderline or complex risks. Coverage Highlights and Advantages Key advantages for your dental clients include both occurrence and claims-made options, high per-occurrence and aggregate limits, defense costs outside the limits, and a consent-to-settle clause. The program’s broad definition of insureds and included locum and retirement tail features simplify placement for practices with staffing changes and retiring partners. Underwriting Notes and Minimum Premiums Underwriting focuses on practice size, procedural mix, claims history, and risk-management practices. Affinity Healthcare supports placement with a dedicated underwriting team knowledgeable about dental exposures. Minimum premium: $1,500. For accounts with prior claims, significant surgical exposure, or novel procedures, provide full loss runs and procedure mix up front to expedite review. Territories and Availability Available through Affinity Healthcare nationwide in the states listed: 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. Admitted-status: All Available States. Confirm state availability and admitted/non-admitted placement with underwriting when quoting. Why Work With Affinity Healthcare for Dental PL Program administrator experienced in dental professional liability markets National carrier capacity through National Union Fire Insurance Company of Pittsburgh, PA Industry-specific risk-management services and 24/7 hotline Flexible forms and limits to meet diverse practice needs Example Accounts a Good Fit A solo general dentist performing routine restorative and endodontic procedures seeking occurrence coverage and free tail at retirement. A two- to five-provider family practice with hygienists (employees and independent contractors) that needs locum coverage and licensure hearing defense included. Dentist's Advantage - Your Dental Professional Liability Insurance solution for your clients Affinity Healthcare is a registered trade name of Affinity Insurance Services, Inc.; (TX 13695); (AR 100106022); in CA, MN, AIS Affinity Insurance Agency, Inc. (CA 0795465); in OK, AIS Affinity Insurance Services, Inc.; in CA, Aon Affinity Insurance Services, Inc., (CA 0G94493), Aon Direct Insurance Administrators and Berkely Insurance Agency and in NY, AIS Affinity Insurance Agency. All descriptions, summaries or highlights of coverage are for general informational purposes only and do not amend, alter or modify the actual terms or conditions of any insurance policy. Coverage is governed only by the terms and conditions of the relevant policy. Frequently Asked Questions What types of dental practices are a good fit for this program?This program fits solo practitioners, small group practices, and many dental specialists. It is best for practices that want broad forms, defense-in-addition language, locum coverage, and included licensure-hearing defense. For high-risk surgical specialty accounts, consult underwriting before submission. Do you offer both occurrence and claims-made coverage?Yes. Affinity Healthcare offers both occurrence and claims-made policy forms. Choose the form that best matches your client’s needs and retirement or tail expectations. What minimum information speeds up the underwriting review?Provide recent loss runs, a breakdown of procedures and sources of revenue, staff composition (employees vs. independent contractors), and any prior disciplinary history. These items help expedite decisions and accurate pricing. Is locum tenens coverage included?Yes — free locum tenens coverage is available up to 120 days per year as part of the core program features. What is the minimum premium and carrier capacity?The program’s minimum premium is $1,500. Coverage is underwritten by National Union Fire Insurance Company of Pittsburgh, PA, providing national capacity for the program. Need help placing an account? Connect with a market specialist.

...s of clients........Associations, Unions and employer groups, as well as indiv...

...s of clients........Associations, Unions and employer groups, as well as indiv...

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