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Policy Highlights for Wholesalers Insurance: Colonial General Insura... is this program available in?This Wholesalers Insurance program is available ...

...for contractors, manufacturers, wholesalers, property owners, and other mid- t...luding manufacturers, contractors, wholesalers, real estate owners, and vacant...

Overview — Normandy Harbor Insurance Company: Retail & Wholesale Stores Workers' Compensation Normandy Harbor Insurance Company, an admitted Florida carrier, offers a focused workers' compensation program designed for qualifying retail and wholesale stores. This program is intended for established, lower-risk brick-and-mortar accounts that need admitted coverage, flexible billing, and a carrier with underwriting depth and in-house service capabilities. Minimum premium is $1,000; underwriting emphasizes three or more years of industry experience and limited transportation or delivery exposure. Flexible Payment Options Normandy Harbor understands cash flow needs for small and mid-sized retailers. Available payment plans include: Pay-as-you-go (payroll-based, when eligible) 10% down with monthly payments 10% down with 9 installments 12 equal installments Ideal Accounts and Appetite This program is a fit for agents placing retail and wholesale store operations such as: Independent specialty retailers (apparel, sporting goods, home goods) Grocery and convenience stores with limited delivery activity Small wholesale distributors operating from a single warehouse location Franchise retail locations with consistent operations and experience Typically acceptable accounts have stable payroll patterns, at least three years in the same line of business, and minimal exposure from vehicle deliveries. Accounts with significant transportation fleets, high-volatility seasonal labor, or poor loss history are generally outside the appetite. Coverage Highlights and Advantages Admitted workers' compensation paper — simplifies compliance and certificates for Florida operations. Competitive underwriting supported by "A" rated reinsurance, stable financials, and experienced underwriters. In-house loss control team available to help reduce frequency and severity of workplace injuries. Responsive claims handling and a strong track record of dividend distributions to reward policyholder performance. Flexible billing plans to align with insured cash flow needs and payroll cycles. Underwriting Notes and Minimums Minimum premium: $1,000. Underwriters typically look for: Three or more years of verifiable industry experience. Limited transportation/delivery exposure — small in-store delivery functions may be acceptable; dedicated delivery fleets usually do not qualify. Standard underwriting documentation such as current payroll estimates, recent loss runs, and a clear description of business operations. Agents should submit loss runs and a concise operations description up front to expedite review. Territories and Availability This program is offered by Normandy Harbor for admitted placements in Florida. Availability in other jurisdictions is not represented by this storefront; please confirm territorial availability when submitting. Why Place This Business With Normandy Harbor Agents choosing Normandy Harbor gain an admitted carrier that combines program-level underwriting expertise with in-house loss control and aggressive claims service. The program is structured to reward good risk management (historical dividend distributions) and to offer practical billing options for smaller retail operators. For agents with stable retail or wholesale clients who meet the experience and exposure criteria, Normandy Harbor provides a practical admitted solution with solid service capabilities. Example Accounts That Fit A two-location specialty apparel retailer with three years of stable payroll, no delivery fleet, and clean loss history — meets the minimum premium and experience requirements. A single-location wholesale food distributor that operates only inside a warehouse and uses third-party carriers for deliveries — acceptable if the distributor’s own transportation exposure is limited. Frequently Asked Questions What types of retail or wholesale accounts are a good fit for this program?Accounts with at least three years of consistent industry experience, limited transportation or delivery exposure, stable payrolls, and a minimum premium of $1,000 are the best fit. Examples include specialty retailers, convenience stores with limited deliveries, and small wholesale operators without in-house fleets. What documentation does Normandy Harbor typically require at submission?Underwriters generally ask for recent loss runs, current payroll estimates, and a clear description of operations. Providing these items up front helps speed review and placement. Is this program admitted or non-admitted paper?This storefront represents Normandy Harbor as an admitted carrier for Florida placements. Confirm state availability and admitted status for other jurisdictions before submitting. What billing or payment plans are available for insureds?Normandy Harbor offers flexible options including pay-as-you-go (when eligible), 10% down with monthly payments, 10% down with nine installments, and 12 equal installments to accommodate client cash flow needs. How does Normandy Harbor support loss control and claims?The company provides a proactive in-house loss control team and responsive claims handling. These capabilities help reduce long-term costs and support dividend-eligible performance for qualified policyholders. Need help placing an account? Connect with a market specialist.

...istributors Food and beverage wholesalers The program is also suitable for ...

Successful retail and wholesale businesses depend on steady cash flow, reliable staffing, and protection against workplace injuries. U.S. Risk Insurance Group, Inc. offers a specialized Retail and Wholesale Workers' Compensation Insurance program designed to help your clients manage their workers' comp needs with flexibility and ease. This program features UPAY-As-You-Go, an innovative payroll-based premium solution that eliminates upfront annual premiums and improves cash flow by aligning premiums with actual payroll instead of estimates. Ideal Accounts and Target Classes This program is a strong fit for a wide range of retail and wholesale operations, particularly those that benefit from improved cash management and have fluctuating payrolls. Target classes include: Furniture stores Electronics and appliance stores Tile and flooring stores, including installation Carpet stores Mattress stores You might have a furniture retailer with multiple locations or a tile distributor that also handles installations—this program is designed to accommodate both with underwriting flexibility and broad eligibility. Coverage Highlights and Advantages Monoline workers' compensation coverage tailored for retail and wholesale businesses UPAY-As-You-Go premium model based on real-time payroll data No upfront premium deposit required Backed by A-rated carriers with access to national markets Comprehensive loss control resources including manuals, safety tips, and checklists Experienced claims handling with a focus on cost containment Underwriting Guidelines New ventures welcome Multi-location and multi-state operations are eligible Accounts transitioning out of PEOs are acceptable High experience mods considered on a case-by-case basis Submission Requirements Completed ACORD application Currently valued loss runs for the past 3–5 years Experience mod worksheet and large account supplemental form for risks over $75,000 in annual premium Territories and Availability This program is available in most U.S. states, including AL, AK, AZ, AR, 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, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, DC, WV, and WI. U.S. Risk offers access to both admitted and non-admitted markets as needed. Why Work With U.S. Risk Insurance Group, Inc.? As a leading Managing General Agency, U.S. Risk delivers customized workers' comp solutions backed by strong carrier relationships and a deep understanding of the retail and wholesale industries. With convenient pay-as-you-go options, responsive claims service, and flexible underwriting, we make it easier for agents to secure coverage that fits their clients’ operations and budgets. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for retail and wholesale operations such as furniture, appliance, flooring, and mattress stores, including those with installation services or multi-location operations. How does the UPAY-As-You-Go model benefit my clients?It eliminates the need for a large upfront premium and bases payments on actual payroll, improving cash flow and reducing audit surprises. Can new ventures or accounts with high experience mods be considered?Yes, the program accepts new ventures and can entertain higher mods depending on the overall risk profile. Is this program available in multiple states?Yes, it is available in most U.S. states, and multi-state operations are eligible for coverage. What is required to submit an account?You’ll need a completed ACORD application, 3–5 years of currently valued loss runs, and additional documents for larger risks over $75,000 in premium. Need help placing an account? Connect with a market specialist.

Place earthquake and Difference in Conditions (DIC) coverage through Wholesale Connection Insurance Services (WCIS). As a dedicated wholesale broker, WCIS provides agents access to 15+ markets and tailored solutions for earthquake exposures throughout California and select other states. Use this program to secure competitive terms for both routine and hard-to-place property risks. Overview of the Program From WCIS WCIS specializes in placing Earthquake and DIC risks for agents who need market access and experienced underwriting. Our team evaluates each property’s exposure — from newer construction to older, retrofit-challenged buildings — and finds the best available carriers and structures. We combine admitted and non-admitted market options through our broker relationships to give you flexibility when standard markets are constrained. Ideal Accounts and Appetite This program is a fit for agents writing: Commercial property owners (office, retail, industrial) in seismically active areas Multi-unit residential landlords and apartment portfolios Real estate investors with multiple locations or schedules of properties High-value dwellings and large-schedule residential risks Properties with varied parking configurations (surface, garage, underground) Example scenarios: you might have a client with a multi-unit apartment building in Los Angeles needing DIC limits above a primary policy, or a shopping center in San Francisco requiring flood plus earthquake protection. WCIS helps structure options for both. Coverage Highlights and Advantages Admitted market placement available alongside surplus lines options Premiums can start around the program’s minimums, with flexibility by risk Deductible programs that can be as low as 5% in California and 2% in other states (location dependent) Capacity up to $50,000,000 and excess limit solutions over primary coverages Flood coverage options available as part of a broader DIC solution Loss-limit policy structures offered to help manage pricing and claims exposure Responsive underwriting and quick quote turnaround for most submissions Underwriting Notes and Minimum Premiums Each submission is reviewed by experienced underwriters who understand earthquake modeling, building vulnerability, and regional exposure differences. Pricing and appetite depend on location, construction type, occupancy, retrofitting, and aggregate schedules. While terms vary by carrier and risk profile, WCIS works with you to identify the most competitive markets for each account. Territories and Availability This program is primarily available in California, with select options in other states. Deductible offerings, admissibility, and coverage features vary by territory — WCIS tailors placements to local exposures and marketplace conditions. Why Work With WCIS on Earthquake Accounts WCIS combines deep earthquake placement experience with broad market access. Agents benefit from: Access to more than 15 markets and multiple placement strategies Underwriters who understand complex property schedules and retrofit issues Fast, practical guidance on structuring DIC and excess layers Dedicated support on submissions and timely quote turnarounds Contact Robin Kravitz at (818) 251-3511 or [email protected] to discuss a submission or get a quote. Frequently Asked Questions What types of accounts are a good fit for this DIC - Earthquake program?This program is designed for commercial and residential property owners, including multi-unit housing, shopping centers, office buildings, and high-value dwellings. Large schedules and portfolio placements are also considered. Is this program available outside of California?Yes. California is the primary territory, but WCIS can place earthquake and DIC coverage in select other states. Deductible options and terms vary by location. Are flood coverage and excess limits available?Yes. Flood coverage options and excess layers over primary policies are available through WCIS’ market relationships. What is the turnaround time for quotes?WCIS aims for quick quote turnaround by leveraging experienced underwriters and access to multiple markets. Actual timing depends on the complexity of the submission. Do you accept submissions for older buildings or properties with non-standard parking?Yes. WCIS reviews both newer and older structures and accepts properties with various parking configurations, including underground and enclosed garages. Underwriting will consider construction, retrofit status, and exposure details. Need help placing an account? Connect with a market specialist.

National Online Wholesaler – Real-Time Quotes Available Online AgentSecure provides a fast, national wholesale platform built for independent agents and brokers. The National Online Wholesaler – Real-Time Quotes Available Online program lets you quote, bind and manage a wide range of personal and commercial lines through a single web portal — with real-time pricing from top-rated carriers and immediate policy documents upon binding. Overview of the Program From AgentSecure AgentSecure specializes in digital access to non-admitted markets and streamlined workflows for standard and hard-to-place accounts. Our platform reduces manual submissions and back-and-forth underwriting by delivering instant, indicative quotes and the ability to bind coverage online. That speed expands clients’ options and shortens placement cycles so you can service more accounts with less administrative overhead. Ideal Accounts and Appetite This program fits agents who need quick placement or access to non-admitted capacity. Typical accounts include: Small to mid-sized commercial risks (contractors, retail shops, professional services) Specialty property and casualty accounts that need flexible forms or endorsements Personal lines with unique exposures — high-value homes, vacation properties, or unusual hobby-related risks Accounts that require rapid turnaround and digital quoting/binding What generally fits: small contracting businesses with modest payroll, boutique retail stores, landlords of small multi-family buildings, and homeowners with secondary residences. What typically does not fit: large commercial programs, heavily loss-prone accounts requiring complex facultative placement, or classes needing admitted-only capacity. Coverage Highlights and Advantages Key features agents rely on: Real-time online quoting across multiple lines for faster shopping Access to non-admitted markets when admitted options are limited or unavailable Instant binding and immediate delivery of policy documents User-friendly quote management and streamlined submission workflows Broad carrier access and competitive forms — carrier availability varies by risk These capabilities let you present more solutions to clients who need flexible terms or faster turnaround than traditional markets can provide. Underwriting Notes and Minimum Premiums Underwriting guidelines vary by carrier and class of business. The platform surfaces carrier-specific eligibility and pricing so you can quickly evaluate fit without a full submission. Minimum premiums differ by carrier and line; the system highlights applicable minimums during quoting so you can assess economics before binding. Territories and Availability This program is available nationwide: All 50 states plus Washington, D.C. You can place business across the country through the same login and workflow without separate appointments for each state. Why Work With AgentSecure on This Business AgentSecure combines digital speed with wholesale market access. For independent agents, that means fewer manual submissions, faster response times, and an expanded set of carriers for non-standard or time-sensitive accounts. Our platform is designed to help you place business more efficiently while giving clients reliable coverage options when traditional admitted markets are constrained. Example scenarios: You have a client who runs a small contracting business and needs general liability and inland marine coverage quickly for a new project; or a homeowner buying a seasonal property that requires specialty property terms — you can generate quotes and bind coverage same day through the portal. Frequently Asked Questions What types of accounts are a good fit for this program?Small to mid-sized commercial risks, specialty property & casualty accounts, and personal lines with unique exposures are good fits—especially when you need fast quoting and access to non-admitted capacity. Do I need to submit full applications to get a quote?No. The AgentSecure platform provides real-time, indicative quotes without lengthy submissions. You can finalize details and complete applications as needed after initial pricing. Is this program available in all states?Yes. Coverage is offered in all 50 states plus Washington, D.C., with carrier availability varying by state and risk. Can I bind coverage online?Yes. Once you accept a quote you can bind coverage and download policy documents instantly from the platform. What types of carriers are available through this program?AgentSecure provides access primarily to non-admitted markets. Specific carriers depend on the class of business and location and are vetted for financial strength and form competitiveness. Need help placing an account? Connect with a market specialist.

Wholesale Connection Insurance Services (WCIS) offers a focused Aviation Insurance Program built for independent retail agents and brokers. As one of the few wholesale brokers with a dedicated aviation division, WCIS combines aviation underwriting expertise with access to multiple specialty markets. Whether your client owns aircraft, operates a fixed base operator (FBO), manages an airport facility, or provides aviation-related products or services, our aviation broker can help you identify appropriate coverages and markets. Ideal Accounts and Appetite WCIS places a wide range of aviation-related risks. Our markets typically consider the following classes: Private and commercial aircraft owners/operators (fixed-wing and rotorcraft) Fixed base operators (FBOs) and airport service providers Aircraft maintenance, repair, and overhaul (MRO) facilities Aircraft charter, rental, and air-taxi operations Hangar owners and tenants with hangarkeepers exposures Aviation parts manufacturers and distributors Example account scenarios you might submit: A family office that owns several light aircraft seeking hull and liability coverage with exposure in Mexico for occasional cross-border flights. An FBO with fueling, maintenance and transient aircraft services needing airport liability, hangarkeepers, and premises coverage. Coverage Highlights and Advantages Through our aviation markets we can provide tailored programs that include: Airport Liability (operations and premises exposures) Aviation General Liability Hangarkeepers Legal Liability for aircraft in care, custody and control Aviation Products & Completed Operations liability Hull and Liability for all aircraft types, including fixed-wing and rotorcraft Premises Liability related to aviation operations Mexican Liability Coverage (and other international territories upon request) Because we work with multiple specialty carriers, we can structure placement options — admitted or non-admitted as appropriate — to address complex or mixed exposures. Underwriting Notes WCIS works exclusively with licensed retail insurance agents and brokers. We underwrite each risk on its own merits and coordinate with our aviation markets to find competitive solutions. While we do not publish a fixed minimum premium, accounts should be commercially viable and documented with current maintenance records, pilot qualifications, operations descriptions, and schedule details where applicable. Territories and Availability We currently offer aviation solutions in the following states: Arizona (AZ) California (CA) Florida (FL) Hawaii (HI) Maryland (MD) Nevada (NV) Pennsylvania (PA) Utah (UT) Additional territories can be considered on a case-by-case basis — contact us to review location-specific exposures. Why Work With WCIS? Aviation is a specialty at WCIS. Our dedicated aviation broker brings sector knowledge, hands-on underwriting communication, and broad market access to help you place difficult or unusual aviation risks. We focus on responsive service and practical placement strategies so you can close accounts with confidence. To learn more or submit a risk, contact Marilyn Wert at (818) 251-3508 or [email protected]. Please note: WCIS is a Wholesale Brokerage Company and can only accept requests for quotations from licensed retail agents. Thank you! Frequently Asked Questions What types of accounts are a good fit for WCIS’s Aviation Insurance Program?We are a strong fit for aircraft owners and operators, FBOs, aviation maintenance providers, hangar operators and tenants, charter and rental companies, as well as manufacturers and distributors of aviation products. Can WCIS help with clients who need coverage in Mexico or other international locations?Yes. Mexican Liability Coverage is available and we can consider other international territories upon request — subject to underwriting review and carrier appetite. Is there a minimum premium requirement for aviation risks?We evaluate each risk individually. There is no published minimum premium, but accounts should be commercially viable and supported by the required documentation for underwriting. Can I submit business directly to WCIS?No. WCIS works exclusively with licensed retail insurance agents and brokers and does not accept direct submissions from the public. Which states is this program available in?Our current territories include AZ, CA, FL, HI, MD, NV, PA, and UT. We may consider other states on request. Need help placing an account? Connect with a market specialist.

...l to mid-sized distributors and wholesalers operating in a wide range of indus...verage distributors, office supply wholesalers, and equipment distributors. Ca...