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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.

Enhanced Freight Brokers' Liability & Contingent Cargo Insurance Coverage Overview — Amwins National Transportation Underwriters The industry specialists at Amwins National Transportation Underwriters (part of Amwins Underwriting) offer a tailored Freight Brokers' Liability & Contingent Cargo program designed for brokers who need contingent protection when their contracted motor carriers are unable to respond. This program combines freight broker auto liability with contingent auto and contingent cargo, plus professional and general liability options to create a broad solution for broker exposures. Available Coverage Freight broker auto liability (no annual aggregate; provides defense outside the limits because it covers the insured's legal liability) Contingent auto liability Contingent cargo Professional liability (E&O) General liability (GL) Policy Limits Freight Brokers Up to $5,000,000 — Freight Broker Auto, GL Up to $1,000,000 — Professional (E&O) Up to $500,000 — Contingent Cargo Long-term Trailer Leasing $1,000,000 — Contingent Auto $100,000 — Off-Lease Physical Damage Ideal Accounts and Appetite This program is a strong fit for freight brokers, third-party logistics providers (3PLs), and broker-dealers who: Contract with small to mid-size carriers without maintaining large insurer controls on every motor carrier Need contingent coverage when a contracted trucker’s insurance is insufficient, unavailable or delayed Require combined protection for broker auto liability, contingent cargo, and professional liability Accounts that typically fit: established freight brokers with formal carrier vetting processes, 3PLs arranging freight across multiple modes, and entities that lease trailers long-term and need off-lease physical damage coverage. Coverage Highlights & Advantages Comprehensive product suite that combines freight broker auto liability with contingent auto and cargo—reducing coverage gaps when a carrier’s policy fails to respond. Freight broker auto liability written to provide defense outside the limits, supporting the insured’s legal defense costs when appropriate. National availability and underwriting that understands transportation-specific exposures. Flexible limits to accommodate a range of broker sizes and risk profiles. Underwriting Notes Amwins focuses on transportation expertise and underwriting discipline. Typical submission requirements include: Completed application and current loss runs Carrier vetting procedures, broker-carrier contracts, and examples of freight movements Details on any trailer leasing arrangements if seeking off-lease physical damage or contingent auto for leased equipment If you have unique structures or large account limits, discuss specifics with the underwriter since capabilities and binding authority vary by state. Territories & Admitted Status Availability: National. Amwins National Transportation Underwriters' capabilities and authority vary by state—see state-specific details and underwriter contacts using the resources below. Program availability includes the following states: 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. Note: This program is non-admitted in the states listed where admitted markets are not available; state-specific authority and market access can be reviewed on Amwins' capability map. Why Place This Business With Amwins Specialized transportation underwriting and experience placing complex broker and contingent exposures. Product structured to protect brokers from gaps that arise when a contracted motor carrier cannot meet a claim. Competitive capacity and flexible limits for freight broker auto, contingent cargo, E&O and GL—all in one program. Quick Examples You might have a client who is a mid-sized freight broker moving high-value retail freight across multiple states and needs contingent cargo protection in case a contracted carrier’s cargo limit is exhausted. Or a broker that leases trailers long-term and requires contingent auto and off-lease physical damage coverage for those assets. Both scenarios align well with this program. Amwins National Transportation Underwriters aims to combine market access with transportation expertise to give brokers a practical, single-source solution for contingent exposures. Click here to learn more about our program! Amwins National Transportation Underwriters' capabilities and authority vary by state. Click here to view an interactive map with state-specific underwriter contact information, binding authority and program markets, and coverages. Frequently Asked Questions What types of freight broker accounts are the best fit for this program?Mid-size to larger freight brokers and 3PLs that regularly contract with third-party motor carriers, have formal carrier vetting processes, and need contingent coverage for auto liability and cargo gaps are the best fit. Does this program include professional liability (E&O)?Yes. The program can include professional (E&O) coverage with limits up to $1,000,000 as part of the broader package. How does contingent cargo coverage work under this program?Contingent cargo provides protection for the broker when a contracted carrier’s cargo policy is unavailable or exhausted. Limits for contingent cargo are available up to $500,000 under this program. Need help placing an account? Connect with a market specialist.

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Policy Highlights: Colonial General Insurance Agency, Inc. provides a focused Security Patrol Insurance program for agencies and contractors operating in higher-risk security and investigative roles. Whether your client employs armed or unarmed guards, operates K-9 units, conducts private investigations, provides process serving, or runs firearms training, this program is designed to deliver comprehensive liability and property protection tailored to those exposures. Eligible classes also include polygraphists, process servers, and claims adjusters with draft authority of $5,000 or less. Ideal Accounts and Appetite This program is well suited for a wide range of security-related businesses, including: Security guard and patrol companies (armed or unarmed) Contract firms using K-9 units Private investigation agencies Process serving operations Firearms certification instructors and training schools Claims adjusters with limited draft authority Typical fits include regional patrol companies that provide armed and unarmed guards for retail, construction, or event sites, and private investigators who also offer contract security or process serving. The program favors disciplined operations with documented training, written procedures, and loss control measures. Coverage Highlights and Advantages Commercial General Liability Coverage includes: Primary limits available up to $3,000,000 occurrence / aggregate $5,000 Medical Payments—automatically included Additional Interests—$100 each Assault & Battery—covered at full policy limits (optional sub-limits offered at discounted rates) Errors & Omissions Coverage Part for professional exposures Lost Key Coverage—$25,000 limit included Property Damage Extension for Care, Custody & Control—$5,000 / $25,000 limits Excess/Umbrella capacity available up to $25 million Loss prevention brochure and best practices guidance to support underwriting and risk control Property Coverage options include: Basic, Broad, or Special Forms Building, Business Income, and Contents coverage Replacement Cost or Actual Cash Value basis available Crime Coverage available: Inside the Premises—Theft of Money and Securities Inside the Premises—Robbery or Safe Burglary of Other Property Outside the Premises coverage Underwriting Notes Colonial General can write coverage on a monoline or package basis and uses flexible underwriting to address the specific operations and exposures of each firm. Underwriting will consider employee hiring practices, training programs, weapons-handling controls, K-9 handling, and documentation of client contracts and scopes of work. Access to admitted and non-admitted markets helps place accounts that may require broader forms or higher limits. Territories and Availability This program is available in: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Some coverages are offered on admitted paper where available; Excess & Surplus options are used when the risk or jurisdiction requires non-admitted placement. Why Work With Colonial General? As a Managing General Agency and Excess & Surplus Lines broker, Colonial General combines niche expertise in security and investigative exposures with broad market access. Their underwriters and market contacts allow you to place complex or hard-to-insure accounts with tailored forms, higher limits, and loss-control guidance — all aimed at keeping risks in forceable, well-documented programs. Learn more about Colonial General and their capabilities by visiting their company profile. Frequently Asked Questions What types of accounts are a good fit for this program?Security patrol firms, private investigators, process servers, firearms instructors, and adjusters with limited draft authority are all good fits, especially when they have documented training and client contracts. Are both armed and unarmed guards eligible?Yes. The program accepts accounts with armed or unarmed personnel, including operations that use guard dogs, subject to underwriting review of training and weapons controls. Is Assault & Battery coverage included?Yes. Assault & Battery is included at policy limits; sub-limits are available as a lower-cost option where appropriate. Which states is this program available in?Coverage is currently offered in AZ, CA, CO, ID, NV, NM, UT, and WY. Can I combine Property and Liability coverages?Yes. The program supports monoline or package placements, and property, crime, and excess limits can be added to match the client’s exposures. Need help placing an account? Connect with a market specialist.

Whether you need a quick placement through binding authority or a more technical brokerage approach, Worldwide Facilities, LLC provides transportation-focused solutions to help you place your clients’ commercial auto and garage risks. As a managing general agency and excess & surplus lines broker, we leverage deep carrier relationships and underwriting expertise to offer admitted and non-admitted options, competitive forms, and flexible terms tailored to the transportation sector. This Transportation Insurance program is designed for retail agents and brokers who want efficient access to markets and creative solutions for both standard and hard-to-place accounts. Ideal Accounts and Appetite We place a wide range of transportation-related accounts. Typical appetites include: Local, intermediate, and long-haul trucking operations Owner-operators and small to mid-size fleets Public auto and livery operations (where available) Auto dealers, repair shops, and service operations needing garage coverage Towing companies and vehicle transport services What usually fits: multi-unit trucking companies needing both auto liability and physical damage; single-truck owner-operators seeking competitive liability and comp/collision terms; repair shops and dealers requiring garagekeepers liability. Limitations: oversized fleets requiring specialized inland marine or account-specific large-limits placements may require extended brokerage solutions—our underwriting team will advise on fit during submission review. Coverage Highlights and Advantages Worldwide Facilities’ Transportation Insurance program offers flexible coverages to address the key exposures your clients face. Coverages include: Commercial Auto Liability Commercial Auto Physical Damage (collision, comprehensive) Garage Liability and Garagekeepers Liability We place both admitted and non-admitted policies in most states, allowing you to match placement strategy to each account’s needs. Our carrier panel provides competitive pricing, broad policy forms, and endorsements tailored for truckers, transporters, dealers, and garage operations. Underwriting Notes and Minimum Premiums Underwriting requirements vary by class, state, and carrier. Typical submissions should include complete loss runs, MVRs for drivers, vehicle schedules, and a clear description of operations and commodities hauled. Our underwriting team will quickly assess submission quality and advise on steps to improve placement success. Minimum premiums depend on the chosen carrier and risk characteristics and are competitive across the transportation lines we offer. Territories and Availability This program is available in most 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/non-admitted options vary by state and carrier—our team will confirm applicable markets when you submit the account. Why Work With Worldwide Facilities, LLC? With decades of specialty transportation experience and deep carrier relationships, Worldwide Facilities helps agents place more business with faster turnarounds. Our strengths include binding authority for straightforward accounts, brokerage capabilities for complex or hard-to-place risks, and underwriting guidance to improve hit-ratios. We focus on pragmatic solutions that balance coverage, pricing, and service so you can retain and grow transportation business. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for trucking operations, owner-operators, small fleets, auto service businesses, dealers, and towing services that need commercial auto, physical damage, or garage-related coverages. Is this program available in all states?The Transportation Insurance program is available in most states, including major U.S. markets. Specific admitted/non-admitted availability varies by state and carrier. Can you help with hard-to-place or non-standard transportation risks?Yes. We offer both binding authority for standard risks and brokerage options for complex or hard-to-place accounts, using our broader carrier panel to find workable solutions. Are both admitted and non-admitted markets available?Yes. We place business through admitted and non-admitted carriers depending on the state, risk profile, and the best available terms for the client. What coverages are included in this program?Coverage options include Commercial Auto Liability, Commercial Auto Physical Damage, and Garage/Garagekeepers Liability, with supplemental endorsements available based on carrier and class. Need help placing an account? Connect with a market specialist.

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As an independent agent serving fitness professionals, you understand the unique risks your clients face. Whether they’re leading a bootcamp, teaching yoga, or offering personal training sessions, fitness instructors work closely with clients in physically demanding environments—where the potential for injury, liability claims, and property damage is high. That’s where Prime Insurance Company steps in. Our Fitness Instructors Insurance program is designed to provide robust liability protection across a wide range of fitness disciplines. With coverage available in all 50 states and Washington, DC, this program is an ideal solution for agents looking to place business for independent instructors, small fitness studios, or mobile trainers. Ideal Accounts and Target Classes This program is suitable for individual fitness instructors or small training businesses operating across a variety of disciplines. Whether your client teaches in-person, virtually, or at multiple locations, Prime Insurance Company helps safeguard them from common legal exposures. Target Classes Include: Cardio Kickboxing Personal Training Pilates Tai Chi Yoga Zumba Acro Dance Fitness Bootcamp Spinning Aerobics Aquatic Exercise Tumbling +Many More Even when instructors follow proper safety guidelines and training protocols, they can still be held liable when something goes wrong. Statistics show that over 970,000 fitness-related injuries were treated in U.S. hospitals between 1990 and 2007. Don’t let your clients go unprotected. Coverage Highlights and Advantages The program offers tailored coverage designed specifically for the fitness industry. Whether your client is working one-on-one or leading group sessions, Prime Insurance Company provides critical protection against the most common exposures. Coverages Offered: Legal Liability Professional Liability Medical Expense Bodily Injury Property Damage Personal Injuries Abuse, Molestation, and Sexual Misconduct This makes the program especially attractive for instructors working with minors, seniors, or vulnerable populations, where allegations of misconduct can carry severe consequences—even if unfounded. Underwriting and Program Notes Prime Insurance Company offers flexible options for fitness professionals of all experience levels. Whether you’re working with a new instructor launching their first business or a seasoned trainer expanding into new markets, our underwriters can assess and respond quickly to submissions. Coverage is available in all 50 states and Washington, DC. Submissions are reviewed on a case-by-case basis, and Prime aims to provide fast turnarounds and competitive solutions for both standard and higher-risk classes. Why Work With Prime Insurance Company As a direct carrier, Prime Insurance Company has the authority and flexibility to tailor coverage to fit your client’s individual needs. We specialize in niche liability markets and provide an all-in-one insurance solution for fitness professionals. Agents benefit from responsive underwriting, broad appetite, and the ability to place both straightforward and challenging risks under one roof. If you have a client who runs a community Zumba class, operates a mobile personal training business, or teaches aquatic fitness at a local gym, Prime Insurance Company can help you deliver the coverage they need—with speed and expertise. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for independent fitness instructors, personal trainers, and small group class leaders across a wide range of disciplines, including yoga, Pilates, bootcamps, and more. Is coverage available nationwide?Yes, the Fitness Instructors Insurance program is available in all 50 states and Washington, DC. What are the key coverages included?The program includes legal liability, professional liability, medical expense, bodily injury, property damage, personal injury, and abuse/molestation coverage. Can I place business for instructors who work virtually or at multiple locations?Yes, Prime Insurance Company can accommodate fitness professionals who offer services online or across various locations. How quickly can I get a quote?Prime Insurance Company offers a streamlined submission process for fast quotes. Reach out to their underwriting team to get started. Need help placing an account? Connect with a market specialist.

Amwins Program Underwriters, part of the Amwins Underwriting division, offers dedicated workers' compensation programs for the auto dismantlers and scrap metal dealer industries. These programs — including specialized Auto Dismantlers and Scrap Metal Dealers products — are distributed through a select group of retailer brokers. The underwriting is tailored to the operational exposures common to dismantling, recycling, and scrap-handling businesses. Overview of the Program from Amwins Underwriting This program is designed for businesses whose primary operations involve dismantling vehicles, processing and selling ferrous and non-ferrous scrap, operating self-service yards, and related recycling activities. Coverage focuses on workers' compensation solutions that address the physical labor, heavy equipment use, motor vehicle exposure, and premises hazards these trades face. Amwins underwriters combine industry expertise with program-level appetite to provide competitive, targeted placements for eligible risks. Ideal Accounts and Appetite Automotive dismantlers and parts resellers Self-service yards and auto recyclers Scrap yards and scrap metal dealers processing ferrous and non-ferrous metal Operations with on-site vehicle dismantling, crushing, sorting, or baling Best-fit accounts are operations whose primary revenue comes from dismantling or scrap processing, have established safety practices, and maintain reasonable payroll and loss histories. Accounts that tend to fit include single-location recyclers, regional scrap dealers, and moderately sized dismantlers. Accounts with very high frequency or severe injury histories, large-scale smelting operations, or heavy hazardous waste processing may be outside the appetite. Coverage Highlights and Advantages Workers' compensation coverage tailored to dismantlers and scrap dealers. Employers' liability options: minimum $500,000 up to $1,000,000. Program underwriting that recognizes the operational nuances of recycling and auto parts resale. Endorsed by the Automotive Recyclers Association (ARA) as a preferred insurance provider for professional automotive recyclers. Underwriting Notes Submissions should describe operations in detail: percentage of on-site dismantling vs. resale, equipment used (cranes, compactors, balers), transportation exposures, and any hazardous-material handling. Provide recent payroll breakdown by class codes, loss runs, and safety protocols (training, PPE, lockout/tagout, vehicle maintenance programs). Underwriters evaluate loss history and operations to determine eligibility and pricing; clear documentation of controls and experience modification improvements helps placement. Employers' liability limits available range from $500K to $1M as shown in the program materials. Territories and Availability The program is available in the following jurisdictions: AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MI, MN, MS, MO, MT, NE, NV, NH, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Placement is via a select group of retailer brokers—confirm distribution authority before submitting. Why Work with Amwins Underwriting on This Business Niche expertise: underwriters experienced with the operational risks of automotive recycling and scrap metal processing. Program focus: solutions that reflect common exposures and loss drivers for dismantlers and scrap dealers. Market access and endorsement: ARA endorsement underscores credibility with professional recyclers. Responsive underwriting: program structure supports targeted, broker-driven placements for eligible accounts. Example account scenarios You have a single-location auto recycler that dismantles end-of-life vehicles, operates a self-service yard, and sells used parts. The business maintains routine maintenance records and a written safety program—this is a typical fit for the Auto Dismantlers product. You represent a regional scrap dealer that processes mixed ferrous and non-ferrous scrap, uses balers and forklifts, and provides transport to metal processors. With clear loss runs and documented employee training, the Scrap Metal Dealers program can be a placement path. Submission checklist Detailed operations description and percent of revenue by activity Five years of loss runs (if available) Current payroll by class code and workforce breakdown Safety and loss control documentation Frequently Asked Questions What types of accounts are a good fit for this program?Accounts primarily engaged in auto dismantling, self-service yards, auto recycling, scrap yards, and scrap metal dealing are ideal—especially those with documented safety programs and moderate loss histories. Which employers' liability limits are available?The program supports employers' liability limits ranging from $500,000 up to $1,000,000, depending on underwriting and risk characteristics. What information does Amwins Underwriting require at submission?Provide a detailed operations description, payroll by class code, five years of loss runs (if available), and any safety or loss control programs. Include equipment lists and transportation details where relevant. Is this program available nationwide?The program is available in the listed states and DC (see storefront for the full state list). Confirm distribution authority with Amwins prior to submitting, as placement is through select retailer brokers. Need help placing an account? Connect with a market specialist.

Same Day Quotes! Need a fast Contractors Excess Liability quote? Gladius Insurance Services, LLC can rate, bind, and issue policies in less than an hour—right from our in-house platform. Contractors Excess Liability Program from Gladius Insurance Services Gladius Insurance Services, LLC offers a streamlined, non-admitted Contractors Excess Liability Insurance program backed by Mt. Hawley Insurance Company (A+ X rated). Designed for speed and flexibility, this program helps agents place excess liability coverage for qualifying contracting and commercial risks quickly and efficiently. With in-house rating authority and minimal submission requirements, you can provide fast, competitive solutions for your clients’ high-limit liability needs. Ideal Accounts and Appetite This program is tailored for established contracting and commercial operations that meet specific risk criteria. Ideal accounts include: General contractors and subcontractors not involved in new residential construction Commercial contractors working on low- to mid-rise buildings (3 stories or fewer) Artisan trades and specialty contractors with clean loss records Businesses with annual revenues under $7.5 million Commercial classes start at a $750 minimum premium, while contracting classes begin at $1,000. With over 150 eligible commercial classes, this program offers broad flexibility within underwriting guidelines. Coverage Highlights and Advantages Limits available from $1 million to $5 million Eligible underlying carriers must be rated A- V or better Option to include Employers Liability at no additional cost if Workers Comp is in place Auto liability can be added as an underlying policy (minimum $1M BI/PD limits) Same-day quote, bind, and policy issuance in most cases This is an excellent solution for agents with clients needing additional liability protection above standard GL limits, especially when fast turnaround is essential. Underwriting Requirements and Restrictions To qualify, accounts must carry: Underlying General Liability coverage with at least $1 million per occurrence and aggregate Underlying policies written by carriers rated A- V or better Ineligible risks include: New residential construction Buildings over 3 stories or more than 250,000 square feet Apartment or habitation risks over 3 stories More than 10 automotive power units or operating radius over 200 miles Loss history with claims exceeding $50,000 (single) or $100,000 (aggregate) in any one year over the past 5 years Territories and Availability This program is currently available in the following states: California (CA) Arizona (AZ) Nevada (NV) New Jersey (NJ) New York (NY) Ohio (OH) Oregon (OR) Utah (UT) Washington (WA) Why Work With Gladius Insurance Services? As an experienced Excess & Surplus Lines broker, Gladius Insurance Services specializes in fast, efficient placement of tough-to-place liability risks. With in-house authority and access to a strong A+ rated carrier, we can provide agents and brokers with the tools to meet client needs quickly—without sacrificing quality coverage or underwriting integrity. Whether you're working with a contractor expanding into larger jobs or a commercial operation seeking additional liability protection, our streamlined process and underwriting clarity make us a reliable partner for your excess liability placements. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include commercial and contracting risks not involved in new residential construction, with good loss histories and annual revenues under $7.5 million. What are the minimum underlying limits required?Underlying General Liability coverage must have at least $1 million per occurrence and $1 million aggregate, placed with an A- V or better rated carrier. How fast can I get a quote and bind coverage?Gladius can quote, bind, and issue policies within the same day—often in under an hour—thanks to in-house rating capabilities. Can auto liability be included as an underlying policy?Yes, auto liability can be added as an underlying policy if it carries at least $1 million in BI/PD limits, but General Liability is required as the primary underlying coverage. Is this program available in admitted markets?No, this is a non-admitted program offered through Mt. Hawley Insurance Company. Need help placing an account? Connect with a market specialist.