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...g with municipalities or private utilities Contractors involved in overhead ...

... operations and the unique risks utilities face. Overview of the Program from...e contracting operations, municipal utilities, water and sewerage systems, and...

... Utilities ...g municipalities, school districts, utilities, transit authorities, and religi...

Energy P&C Insurance — Victor O. Schinnerer & Company, Inc. Energy P&C is Victor O. Schinnerer & Company, Inc.’s admitted property & casualty program for energy and utility risks. Underwritten through Arch Insurance Company and administered by Schinnerer as the managing general underwriter, this program bundles core commercial lines tailored for oil, gas and pipeline exposures. Package policies are available to simplify placement for accounts that need multiple coverages under a single policy form. Program coverages Auto (fleet and contractor vehicles) General liability Crime Property (locations, leasehold, equipment) Inland marine (mobile equipment, tools, materials in transit) Excess liability Ideal accounts and appetite This program targets energy-sector operations where admitted placements and a coordinated package are important. Typical fits include: Upstream and midstream oil & gas operators with owned or leased well sites and related equipment Pipeline operations — operators, maintenance contractors and right-of-way exposures Schinnerer’s underwriting focus favors accounts with documented safety programs, routine maintenance records, and clear operational controls. The program is best suited for small to mid-sized operators and contractors whose exposures match the product lines above. Accounts with unusually large environmental liabilities, unresolved regulatory actions, or highly speculative operations may require referral or differenced terms. Coverage highlights and advantages Admitted paper (see availability below) with broad form property and GL options designed for energy operations Ability to package multiple coverages — simplifies billing and claims reporting for insureds Access to Arch Insurance Company capacity via Schinnerer’s MGA platform Inland marine and excess layers available to address equipment and catastrophic exposure gaps Underwriting notes When submitting, provide: Loss runs for the past five years Summary of operations, including number and type of sites, pipeline mileage, and contract work performed Safety and maintenance programs, permits and regulatory status Schinnerer underwriters value clear documentation of controls and loss mitigation. Package pricing and limits are determined case-by-case based on operations, limits requested, and loss history. Territories and availability The Energy P&C program is offered on admitted paper and is available across the following states: AL, AZ, AR, CA, CO, CT, DE, FL, GA, 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. Why place this business with Victor O. Schinnerer & Company, Inc. Schinnerer combines program underwriting expertise for energy risks with admitted-market capacity through Arch Insurance Company. Agents benefit from coordinated placement of multiple casualty and property lines, experience handling energy-specific exposures, and streamlined package options when insureds prefer a single policy solution. The MGA relationship allows responsive underwriting decisions on standard energy accounts while preserving admitted paper advantages for your clients. Example account scenarios You have a regional pipeline operator with multiple pump stations, company-owned compressor equipment and routine contractor traffic — Energy P&C can provide property, GL and inland marine coverages under an admitted package. You represent a small exploration firm with several well sites and mobile equipment — the program can combine auto, property and excess liability to consolidate limits and reduce administrative complexity. Frequently Asked Questions What types of energy accounts are a good fit for this program?Accounts in oil & gas production, gathering and pipeline operations that need admitted coverage and a multi-line package are the primary target. Small to mid-sized operators and contractors with documented safety programs typically fit best. Which coverages can I package through Energy P&C?The program can combine auto, general liability, property, inland marine, crime and excess liability. Packages are used to simplify administration and ensure coordinated limits across coverages. What submission materials does underwriting expect?Provide current loss runs (typically five years), an operations summary (sites, mileage, equipment), and documentation of safety and maintenance programs. These items speed review and improve placement chances. Need help placing an account? Connect with a market specialist.

...re, such as sidewalks, roads, or utilities, and the bond ensures that any affe...

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.

...operty Installing or repairing utilities, pipelines, or communication lines ...

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.

...s (e.g., shoring, trenching near utilities). Submission requirements typical...