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Caitlin-Morgan offers Managed Care Risk insurance solutions designed for health plan organizations and managed-care entities. Call us today to discuss placement options, capacity, and tailored terms for your clients. Lines of Business: Managed Care Risk Solutions (claims-made) Directors & Officers (D&O) Security & Privacy (cyber/privacy liability) Overview of the Program from Caitlin-Morgan Caitlin-Morgan, operating as a wholesale broker, places Managed Care Risk insurance for a wide range of plan sponsors and care organizations. The program is designed to address liability arising from managed-care operations, network contracting, utilization review, credentialing, claims administration and related corporate governance exposures. Coverage is offered on claims-made forms with flexible limits and deductible structures to suit different risk profiles. Ideal Accounts and Appetite Health Maintenance Organizations (HMOs) and Dental Maintenance Organizations (DMOs) Independent Physician Associations (IPAs), Physicians Hospital Organizations (PHOs) and Medical Service Organizations (MSOs) Preferred Provider Organizations (PPOs), Vision Plans and Third-Party Administrators (TPAs) Organizations with professional and management liability exposures tied to provider contracting, utilization management, regulatory compliance and privacy/security incidents The program typically fits mid-size to larger managed care entities and networks. There is more limited appetite for single-provider practices or organizations without formal governance, unless other risk controls and loss histories are favorable. Coverage Highlights and Advantages Available limits up to $25M on claims-made forms; $10M capacity is also offered per program terms. Defense costs are inside the aggregate limit where indicated; broad coverage terms to address professional, management and network-related liabilities. Cyber/privacy and D&O options available to create layered placements for comprehensive protection. Flexible deductible options to align with client risk retention: ranges shown below reflect typical carrier structures across appetite tiers. Underwriting Notes and Minimum Premiums Minimum premiums and deductibles vary by account type: HMOs often carry higher minimums and larger deductibles (examples in market materials). Market information (examples from available carriers): $25K minimum premium for HMOs (other entity types from $7,500), $5K and $500 minimums appear on selected programs; deductibles commonly range from $7,500 up to $250K depending on carrier and HMO vs. non-HMO structure. All placements are subject to underwriting review. Typical submission requirements include business description, enrollment/claims volumes, loss history, provider contracts, and information about compliance and utilization review processes. Territories and Availability This program is available in all states listed on our storefront, 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. Admitted and non-admitted options may be considered depending on state and carrier appetite; Caitlin-Morgan will advise on best routing. Why Work with Caitlin-Morgan on Managed Care Risk Wholesale broker access to multiple carriers and program administrators for layered placements. Specialized knowledge of managed care exposures and the documentation insurers require for underwriting. Ability to present cohesive placements combining managed-care professional liability with D&O and cyber/privacy coverages. Example Accounts That Fit This Program A regional HMO with 50,000+ members seeking $10M–$25M limits and a deductible aligned to its risk tolerance; needs both professional liability and D&O protection for the governing board. An IPA/MSO that manages network contracting and claims administration for multiple physician groups, seeking limits and privacy/cyber coverage to address claims from network disputes or data incidents. Available Carriers Various carriers and program administrators participate in this offering. Caitlin-Morgan will identify optimal markets based on the account profile and desired structure. Frequently Asked Questions What types of managed care organizations are a good fit for this program?This program targets HMOs, DMOs, IPAs, PHOs, PPOs, MSOs, TPAs and vision plans—generally mid-size to large organizations with formal governance, provider networks, and claims administration functions. What limits and deductible structures are available?Markets accessible through Caitlin-Morgan offer limits up to $25M (claims-made). Deductibles and minimum premiums vary by carrier and account type; HMOs typically carry higher minimums and larger deductible ranges than other classes. What submission information will underwriters expect?Prepare a summary of operations, enrollment or service volumes, copies of provider contracts, recent loss runs, details on utilization review and compliance programs, and any information on cyber/privacy controls if you seek layered coverage. Are admitted options available?Both admitted and non-admitted solutions may be considered depending on state jurisdiction and carrier appetite. Caitlin-Morgan will recommend the appropriate admitted or non-admitted placement strategy for each account. Need help placing an account? Connect with a market specialist.

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Overview of the Program From Sloan Mason Insurance Services, Inc. Sloan Mason Insurance Services, Inc. provides access to a competitive program for Electric Cooperatives, Cogeneration and Power Generation facilities, and contractors who service these industries. As a wholesale broker, Sloan Mason places business with a panel of various A-rated carriers and offers both admitted and non-admitted solutions where available. The program is designed for agents and brokers who need specialized underwriting capacity for generation risks, pollution exposures, and contractor services tied to power operations. Ideal Accounts and Appetite Rural and regional electric cooperatives that operate distribution and generation assets Cogeneration and combined heat-and-power (CHP) plants serving industrial or institutional sites Independent power producers and merchant generating facilities (non-nuclear) Contractors and service providers to the power sector (O&M contractors, electrical contractors, turbomachinery service providers) Facilities with onsite fuel storage, transformers/substations, switchgear, and associated pollution exposures Accounts with routine maintenance programs, formal loss control practices, and complete loss history are the best fit. High-hazard operations (for example, nuclear generation) are typically outside this appetite—please consult Sloan Mason underwriting for borderline risks. Coverage Highlights and Advantages Primary General Liability and Contractors Pollution coverages tailored for generation operations Commercial Auto for fleets serving generation and contracting operations Excess/Umbrella layers to provide broader limits above primary liability Property and Equipment Breakdown (available through select panel carriers) Business Income and Extra Expense for generation interruption scenarios Access to A-rated admitted markets where possible, with non-admitted capacity in most markets when needed Underwriters in the program understand the operational exposures unique to power generation and contracting, allowing for placement that reflects industry practice and risk management controls. Underwriting Notes and Minimum Premiums To obtain a full underwriting review and the best possible quote for Electric Cooperatives, Cogeneration and Power Generation Insurance, Sloan Mason requests the following: 5-year payroll history 5-year, currently valued carrier-issued loss runs (valuation date within 90 days of requested effective date) Completed ACORD applications and any program supplementals Minimum premiums (typical program thresholds) include: $15,000 for General Liability and Pollution $5,000 for Auto $7,500 for Umbrella Liability Actual premiums and retentions will vary by carrier, state, and individual account exposures. Territories and Availability This program is available in most U.S. states. States where coverage is commonly placed include: 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 options are available in many jurisdictions; non-admitted capacity is used where necessary to secure appropriate terms. Why Work With Sloan Mason on This Business Wholesale broker access to multiple A-rated markets, increasing placement flexibility Underwriting familiarity with generation, pollution, and contractor exposures Competitive program structure designed for complex energy sector risks Practical submission requirements to speed quoting and binding Example scenarios: You might have a rural electric cooperative seeking combined GL and pollution limits for a small diesel peaking plant and distribution operations, or a cogeneration plant at a manufacturing facility that needs property, equipment breakdown, and business income coverage after a recent equipment retrofit. Both are representative risks this program targets. Frequently Asked Questions What types of accounts are a good fit for this Sloan Mason program?Accounts that fit well include electric cooperatives, cogeneration and CHP plants, independent power producers (non-nuclear), and contractors who provide operations, maintenance, and electrical services to generation facilities. Best fits have formal maintenance programs and documented loss histories. What submission materials are required to get a meaningful quote?Sloan Mason asks for a 5-year payroll history, 5-year currently valued carrier loss runs (valuation within 90 days), and completed ACORD applications with any relevant supplementals. These items allow underwriters to assess operations and pricing accurately. Are admitted markets available through this program?Yes. Sloan Mason works with admitted A-rated carriers where available and uses non-admitted capacity in most markets when necessary. Availability depends on state regulations and each account’s exposures. What are the typical minimum premiums I should expect?Typical program minimums are shown as a guideline: $15,000 for General Liability and Pollution, $5,000 for Auto, and $7,500 for Umbrella Liability. Final premium requirements depend on the carrier and the specific account. Need help placing an account? Connect with a market specialist.

Comprehensive Insurance for Sewer and Water Main Contractors Sloan Mason Insurance Services, Inc. offers a specialized insurance program designed for sewer and water main contractors. This program is backed by A-rated, admitted carriers and provides a robust package of coverages, including Auto Liability, General Liability, Property, Inland Marine, Workers' Compensation, and Umbrella. Offered exclusively through Sloan Mason, this program is ideal for contractors operating in large-scale infrastructure environments. Ideal Accounts and Target Risks This program is specifically tailored for contractors working in new tract developments and public infrastructure projects. It is not intended for contractors performing residential hook-ups or other small-scale residential work. Ideal accounts include those involved in underground utility work, pipeline installation, and municipal water and sewer projects. Example accounts include: Contractors installing water mains for a new commercial development Firms replacing sewer lines for municipal improvement projects Coverage Highlights Key coverages available under this program include: Auto Liability General Liability Property Inland Marine Workers' Compensation Umbrella Liability Coverage is available on an admitted basis, providing agents and their clients with peace of mind and regulatory compliance in most states. Underwriting Requirements and Minimum Premiums To receive a full underwriting review and the most competitive quote, agents should be prepared to submit the following documentation: Five-year payroll history Five years of currently valued, carrier-issued loss runs (dated within 120 days of the requested effective date) Acord applications for AL, GL, Property, Inland Marine, and Umbrella Current NCCI or WCIRB Experience Rating Worksheet Completed contractor supplemental (generic forms accepted) Minimum premium thresholds: $25,000 for the combined AL/GL/Property/Inland Marine/Umbrella package $7,500 for Umbrella coverage alone For a detailed submission checklist, please refer to our Underground Utility Contractors Data Sheet. Territory and Availability This program is available in all 50 states and the District of Columbia. Sloan Mason works with various carriers to ensure broad access and flexible underwriting capabilities nationwide. Why Partner With Sloan Mason Insurance Services, Inc.? As a wholesale broker with deep expertise in contractor-related risks, Sloan Mason delivers tailored solutions for complex accounts. Their access to top-rated, admitted markets ensures that you can place your contractor clients with confidence. With a strong focus on underground utility and infrastructure contractors, Sloan Mason understands the unique liability and equipment exposures in this industry and provides responsive service and underwriting support to help you close more business. Frequently Asked Questions What types of accounts are a good fit for this program?This program targets sewer and water main contractors working on new tract developments and public infrastructure projects. It is not suitable for contractors performing residential hook-ups. Is this program available in all states?Yes, the program is available in all 50 states and the District of Columbia through Sloan Mason’s network of carriers. What is the minimum premium for this program?The minimum premium is $25,000 for the combined AL/GL/Property/Inland Marine/Umbrella package, and $7,500 for Umbrella coverage alone. What documentation is required to obtain a quote?Agents must provide five years of payroll history, five years of loss runs, Acord applications, a current NCCI or WCIRB worksheet, and a completed contractor supplemental form. Can residential plumbing contractors qualify for this program?No, this program does not cover contractors who perform residential hook-ups or small-scale residential work. Need help placing an account? Connect with a market specialist.

The experts at 21st Century Management Consulting are uniquely equipped to probe into your clients' minds and uncover their core beliefs about their relationship with your agency and how they will make decisions in the future to stay with, refer to and cross-buy from your agency. The result: one-to-one customized service! What would a 10% increase in your sales hit ratio mean to your agency's revenue over the next three months? I bet that is a significant number. At 21st Century Management Consulting, we are Client intelligence and retention experts who specialize inthe P&C insurance industry for over 23 years. All of our work is highly customized and high touch. Utilizing our psychographic research that we have used over the past 23 years, we can interpret the buying behaviors of your top prospective Clients: why they did not decide to work with your agency? We target the prospective Clients that you wanted and interview them utilizing psychographic-based questions. We have been very successful in reaching them and have them tell us about their exeperiences during your marketing and sales process. The results uncover what they needed from you to have become your Client. This will give you the key phrases, strategies, methodologies, and language necessary to dramatically increase your sales hit ratios within three months! Discover in this Webinar the keys to our proven strategies and results. You will: 1. Have a stronger marketing and sales program, 2. Pinpoint more easily highly qualitfied prospects, 3. Win more business, 4. Earn more money, and 5. Save money and time. Join us for a short Webinar that will leave a lasting impact! 21st Century Management Consulting 32 Coyne Road Waban, MA 02468 Phone: 781-899-4210 Fax: 781-899-0707 Email: [email protected] to register.

Millions of working Americans cannot afford – or are not eligible for – health insurance through their workplace. In order to meet the benefit needs of these workers, Key Benefit Resources has developed a flexible, affordable limited benefit group healthcare plan that Employers can customize to suit the unique needs of their Employees. World-Class Service Years of experience working in the health and worksite insurance industry has shown us the value of and need for effective, efficient and reliable administration. A carrier might have the best plan benefits, great rates or top commissions. But without quality first-rate administration, what do you really have? Let us prove to you what “World Class Service” really means for the Employer, their Employees and for you the Broker. The Technological Advantage In a world with unlimited information available at the touch of a button, many insurance providers remain locked into complex, inefficient mainframe systems. We started from the ground up with an easy to access, open architecture web-based system that offers incredible flexibility. KeySelect provides easy to use on-line plan development, quotes, proposals and Broker reports. Real-World Benefits Greater system efficiency allows us to direct funds to other areas, including Broker commissions. With KeySelect, you will find competitive commissions for the MGA, GA and Producer. Empowered Enrollment With the KeySelect system, Employers and Brokers will utilize EZ Enrollment (www.EZenrollment.com) — our electronic web enrollment — to enter initial plan participants. A monthly in-house call center is included with the plan for timely enrollment of new hires, utilizing specially trained in-house professionals. And, as you would expect, a highly experienced onsite enrollment team is also available. Outstanding Flexibility The minimum group size for a KeySelect plan is five enrolled lives. Most importantly, Employers can choose and design the very best plan for their Employees from over three million plan option variations. As you can see, limited medical indemnity plans have come a long way. KeySelect is obviously not the limited benefit plan of yesterday. It’s the limited benefit plan of the future, available today.

Program Coverage SPECIALTY PROGRAM SOLUTIONS (SPS) is a program administrator focused on the forestry and construction industry. Classes of business include logging/lumbering operations, and equipment, woodyard and sawmill equipment, construction contractor’s equipment, and all other inland marine products. Eligible Classes of Business: • Logging and Lumbering Operations • Wood Yard & Sawmills • Chipping Operations Land Clearing • Timber Dealers • General Contractors & Developers • Grading and Excavation Contractors • Right of Way Clearing • Street and Road Contractors • Artisan Contractors • Utility Contractors (no underground exposure’s) Ineligible Classes/Exposures: • Crane Operations • Crane Rental Companies • Erection Companies • Rigging Operations • Strip/Surface Mining • Oil & Gas Operations • Railroad Construction & Maintenance Lines of Business Commercial Inland Marine, AAIS Contractors Equipment Form and Related Endorsements Geography Territory: Alabama, Arkansas, Florida, Georgia, Indiana, Kentucky, Louisiana, Maryland, Michigan, Minnesota, Mississippi, North Carolina, Ohio, Oklahoma, Pennsylvania, South Carolina, Tennessee, Texas, West Virginia, Wisconsin & Virginia. (Additional States available check with Underwriting) Program Highlights • Key underwriting criteria includes determination of insureds operations, loss experience, maintenance and age of equipment, loss control inspections, and equipment valuations. • Industry Focused. • Unparalleled Underwriting and Claims Service • Long Standing, Admitted, AM Best A+XV rated partner Program Contact: Business Leader Jeff Vaughn [email protected]

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Commercial Auto Coverage from America's Internet Brokers, Inc. America's Internet Brokers, Inc. provides flexible, competitive Commercial Auto solutions to help agents and brokers place a wide range of light commercial vehicle risks. Whether the account is preferred or non-standard, our program gives you access to markets that accommodate small fleets and local operations across many industries. Coverage is backed by AIG and offered on a non-admitted (surplus lines) basis when required, giving you options for accounts that fall outside the admitted marketplace. Ideal Accounts and Appetite This program is designed for small commercial accounts with primarily local driving exposures. It's an excellent fit for artisan contractors, tradespeople, and service-based businesses that rely on light vehicles for daily operations. We typically write accounts with: Light-duty vehicles used in local operations Private passenger-type autos, vans, SUVs, and pickups Horse and utility trailers Small dump trucks (up to 26,000 GVW) Accounts with up to 10 vehicles and up to 20 drivers Example: You might have a small HVAC contractor with six pickups and vans working within a 50-mile radius, or a landscaping business that operates utility trailers and pickup trucks locally — both are strong candidates for this program. Coverage Highlights and Advantages The Commercial Auto program is built to give agents flexibility when matching coverage to a client's needs. Key features include: Competitive pricing across preferred and non-standard tiers Flexible rating tiers to align with varying risk profiles Use of insurance scoring to help tailor rates Combined single limits available up to $1 million These options let you balance protection and affordability while placing accounts that need customized solutions. Underwriting Notes and Minimum Premiums We can handle a broad range of commercial vehicle risks, but there are underwriting parameters to keep in mind: Maximum of 10 vehicles per account Maximum of 20 drivers Vehicles must meet acceptable size and use guidelines (no long-haul trucking or specialized heavy equipment) Minimum premiums vary by state and risk characteristics. For the fastest response and most accurate quote, include complete driver and vehicle details with your submission. Territories and Availability This Commercial Auto program is available in most U.S. states, including CA, TX, FL, NY, IL, and GA. We actively write business across the country subject to surplus lines eligibility and any state-specific restrictions. Contact us to confirm availability and filing requirements in the state where the risk is domiciled. Why Work With America's Internet Brokers, Inc.? America's Internet Brokers, Inc. pairs underwriting flexibility with carrier access—most notably AIG—to help you place hard-to-place or bespoke commercial auto risks. Our team focuses on responsive service, practical underwriting, and a streamlined submission process so you can move accounts from submission to bind quickly. If you work with small fleets, trades, or service contractors that need tailored coverage, this program gives you a reliable surplus-lines option. Frequently Asked Questions What types of accounts are a good fit for this Commercial Auto program?Small, local operations such as contractor crews, landscapers, and other service businesses with up to 10 vehicles and 20 drivers are ideal. Is this program available in my state?The program is available in most states, including CA, TX, FL, and NY. Because coverage is placed on a non-admitted basis when necessary, confirm surplus lines eligibility and filing requirements for the specific state. What vehicle types are eligible?Eligible vehicles include private passenger autos, SUVs, pickups, vans, utility and horse trailers, and small dump trucks up to 26,000 GVW. Do you consider new ventures?Yes—new ventures can be considered depending on driving history, risk profile, and the completeness of the submission. What limits are available under this program?Combined single limits up to $1 million are available, subject to underwriting approval. Need help placing an account? Connect with a market specialist.