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...ecial districts, public housing authorities and similar public entities. Idea... special districts, public housing authorities, municipal utilities, and pools...

...rgets a wide range of recreational watercraft rental businesses. Eligible clas...options depending on underwriting. Is water sport liability coverage included?Yes, water sport liability coverage is availa...

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.

...nd housing authorities Sewer and water utilities Special districts and oth... well as transit, housing, sewer, and water authorities. Does the coverage include empl...

...ricts such as transit authorities, water districts, and park districts Typica...al service districts such as transit, water, and park authorities. What coverages are included in...

This program from T.H.E. Insurance Company provides tailored coverage for a wide range of amusement and entertainment risks. Working directly with T.H.E. lets you bypass additional MGAs and intermediaries so you can place business faster with underwriters who have binding authority and industry experience. Available package coverages include: General Liability (monoline or package) Auto Excess liability Workers Compensation Property Crime Inland Marine Overview of the Program from T.H.E. Insurance Company This Entertainment & Amusement Risks program is built for agents who need a practical market for venues, operators, and event promoters. T.H.E. underwriters focus on delivering broad package solutions that combine liability, property, auto, workers’ compensation, and ancillary lines to create cohesive placements for mid-market amusement and entertainment exposures. Ideal Accounts and Appetite Small-to-mid sized amusement parks, family entertainment centers, trampoline parks, arcades, and indoor play centers Seasonal carnivals, fairs and traveling attractions with licensed operators Fixed and mobile concessions, event promoters, and production companies for live performances Movie and film production support risks, set construction and equipment rentals (subject to inland marine and property terms) Generally acceptable risks are those with documented maintenance programs, trained staff, and reasonable loss histories. The program is not intended for major theme parks, large-scale permanent roller coaster operations, or operators with unresolved regulatory or licensing issues. Coverage Highlights and Advantages Package flexibility — write monoline GL or comprehensive packages combining property, auto, WC and more. Excess liability options to protect against high-severity incidents. Inland marine to cover mobile equipment and rented attractions while in transit. Crime coverage for cash-handling exposures at events and box offices. Direct binding authority through T.H.E., which can speed turnaround and simplify placement. Underwriting Notes and Typical Restrictions Underwriters will evaluate operator qualifications, safety programs, ride maintenance records (when applicable), contracts with vendors/independent contractors, and loss runs. High-hazard features (unrated or unmaintained mechanical rides, pyrotechnics without licensed operators, or poor safety controls) typically require additional scrutiny and may be declined or quoted with restrictions. Provide the following at submission for a faster review: current year loss runs, descriptions/photos of the site or equipment, copies of contracts with third-party vendors, and detail on staff training programs and inspection schedules. Territories and Availability Available for placement in: 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, WV, WI, WY. Why Work With T.H.E. Insurance Company on Entertainment & Amusement Risks T.H.E. offers focused underwriting for entertainment and amusement classes and the ability to bind coverage directly — a benefit for agents who need speed and clarity on terms. Their packaged approach simplifies placements by combining complementary coverages, and the underwriting team is experienced with the unique operational and seasonal exposures common in this sector. Frequently Asked Questions What types of accounts are a good fit for this program?Accounts like family entertainment centers, small fixed amusement parks, traveling carnivals with licensed operators, concessions, and production support risks are a strong fit when they have documented safety programs and reasonable loss history. What coverages can I combine in a package?T.H.E. can offer monoline general liability or multi-line packages that include property, auto, workers’ compensation, excess liability, inland marine, and crime — allowing you to tailor terms to the client’s exposures. Which states is this program available in?This program is available in 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, WV, WI, WY. What information speeds up the underwriting process?Include current loss runs, equipment descriptions or photos, maintenance and inspection records, contracts with vendors, and details on staff training and safety protocols with your submission. Are high-hazard attractions eligible?High-hazard attractions are considered on a case-by-case basis. Risks with unmaintained mechanical rides, pyrotechnics without licensed operators, or unresolved compliance issues are likely to face restrictions or declination. Need help placing an account? Connect with a market specialist.

...ntractors Utility, sewer & water contractors Senior and military h...drilling, solar, utility, sewer & water contractors, and residential build...

Policy Highlights for Private Investigative Agencies: Colonial General Insurance Agency, Inc. offers a dedicated Private Investigative Agencies Insurance program designed for firms that provide armed or unarmed security personnel (with or without animals), private investigators, polygraphists, process servers, firearms training/certification schools, and claims adjusters with limited draft authority. Property and liability coverages are available on a monoline or package basis through admitted and surplus markets. Overview of the Program from Colonial General This program gives independent agents access to specialized underwriting for investigative and security-related operations across the Mountain West and Southwest. Coverage is placed through a mix of admitted and excess & surplus markets depending on exposure and state—Colonial General acts as a managing general agency and E&S broker to match accounts to appropriate markets. Ideal Accounts and Appetite Stand-alone private investigative firms providing surveillance, background checks, skip tracing, and process serving. Security and patrol companies offering armed or unarmed guards, including K9 units. Firearms training or certification schools, and instructors with documented curricula and safety procedures. Claims adjusters operating with draft authority of $5,000 or less. We typically favor businesses with formal policies, documented training, and clear limits on employee authority. Accounts with high-risk activities (e.g., private military contracting, high-value executive protection with weapons policy gaps, or significant guard force violence claims history) may be declined or require referrals to specialty markets. Coverage Highlights and Advantages Commercial General Liability available with primary limits up to $3,000,000 (occurrence and aggregate). $5,000 Medical Payments coverage included. Additional interests extended—$100 each. Assault & Battery included at policy limits; sub-limits available with a rate adjustment. Errors & Omissions (E&O) coverage part available to address professional liabilities. Lost Key coverage—$25,000 limit on qualifying Security & Patrol accounts. Property Damage Extension (care, custody & control) included at $5,000 / $25,000 limits on Security & Patrol Program placements. Excess/umbrella capacity up to $25 million for larger aggregate needs. Property options: Basic, Broad, or Special forms for building, contents, and business income; replacement cost or actual cash value available. Crime coverage available for inside and outside the premises theft, robbery/safe burglary, and related exposures. Underwriting Notes Underwriters will review training programs, hiring and background screening procedures, use-of-force policies, vehicle operations, and contract language. Key factors that influence pricing and placement include: Degree of armed operations and documented firearms training. Claims and loss history, especially related to assault, battery, or weapons incidents. Whether patrols are stationary or mobile and if animals (K9) are used. Contractual indemnities, client indemnification language, and hold-harmless agreements. Because Colonial General works with both admitted and surplus markets in some states, placement may vary by state and account characteristics. Refer to the company’s underwriting guidelines for additional submission requirements. Territories and Availability This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Availability may vary by carrier; some classes may be placed admitted where markets permit, while others will be placed non-admitted through E&S facilities. Why Work With Colonial General on Private Investigative Business Colonial General combines specialty underwriting relationships with program-level knowledge of investigative and security risks. Agents benefit from targeted coverage options (including assault & battery and lost key limits), access to excess capacity, and flexible property/crime combinations that fit the common exposures of this sector. A risk management/loss prevention brochure is available to help insureds reduce frequency and severity of losses. Example Fits You might have a mid-size private investigation firm that conducts surveillance and background checks with a small fleet of marked vehicles—this program can package GL, E&O, and business property on one placement. A local firearms training school with certified instructors and written safety protocols may qualify for liability and premises property coverage, with options to add excess limits as class sizes grow. Frequently Asked Questions What types of accounts are a good fit for Colonial General’s Private Investigative Agencies program?Firms providing private investigation, process serving, polygraph services, security and patrol (armed or unarmed), K9 units, firearms training schools, and claims adjusters with limited draft authority are good fits—especially those with formal training and documented procedures. Are assault and battery exposures covered?Yes. Assault & battery coverage is included at policy limits; sub-limits may be available with an adjustment to pricing depending on the account’s risk profile and history. Can I place property and crime coverages through this program?Yes. Property coverage (basic, broad, or special form) for building, contents, and business income is available, and crime forms include inside and outside premises theft and robbery/safe burglary options. Which states are eligible for this program?The program writes in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Placement availability (admitted vs. non-admitted) varies by state and carrier. What information should I include with a submission?Provide a current application, loss history, employee screening and training procedures, sample contracts, and details on armed operations or K9 use. Specific requirements are available from Colonial General’s underwriting team. Need help placing an account? Connect with a market specialist.

...nmental Law Enforcement Agencies Water, Sewer, and Irrigation Districts Li...special service districts like parks, water, and library boards. Can I place s...

...Law Backup of Sewer/Drains and Water Damage Employee Dishonesty E... or law, backup of sewers and drains, water damage, and employee dishonesty, a...