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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.

We offer: A-rated coverage for mercantile, habitational, and small artisan contractors Options for both small artisan and large, hard-to-place contractors Errors & Omissions coverage across many classes California Earthquake coverage Specialty programs for nursing homes (under 50 beds) and board & care homes Overview of the Program From Crawley Warren Insurance Services, Inc. Crawley Warren Insurance Services, Inc. is your go-to wholesale broker for placing challenging or niche risks throughout California. As a non-admitted Excess & Surplus Lines Broker, we offer flexible underwriting and access to top-tier carriers, including Clarendon America and Lloyd's. Our California Wholesale Broker program is ideal for independent agents and brokers seeking reliable markets for a wide range of commercial and specialty accounts. Ideal Accounts and Appetite We specialize in helping you place accounts that may not fit standard markets. Our target classes include: Apartment buildings and HOAs Retail operations such as barber and beauty shops, push carts, and stores Health clubs, community halls, and employment agencies Lessors risk only (LRO) properties Small to large contractors, including those involved in tract home projects Independent nursing homes and board & care facilities with under 50 beds You might have a client with a small apartment complex in a wildfire-prone zone or a contractor specializing in custom home builds—these are the types of accounts we can help you place. Coverage Highlights and Advantages Property & liability coverage tailored to your client’s class of business High property capacity available for qualifying risks Errors & Omissions coverage with low minimum premiums and fast quotes Earthquake options specific to California exposures Flexible underwriting for both standard and hard-to-place risks Underwriting Notes and Minimum Premiums We offer quick quote turnaround—often within 24 hours—and flexible underwriting for a wide range of account types. Minimum premiums start as low as $750, depending on the risk class and coverage selected. Our team is experienced in evaluating both clean and distressed risks to find the best available solution. Territories and Availability This program is available exclusively in California. As a non-admitted market, we are able to provide creative solutions for risks that fall outside standard appetite, including those with unique property exposures or complex liability needs. Why Work With Crawley Warren Insurance Services, Inc.? With decades of experience in the California E&S market, Crawley Warren Insurance Services, Inc. offers unmatched access to specialty carriers and custom-tailored coverage solutions. Our team understands the nuances of placing tough classes and strives to support agents with fast service, flexible terms, and competitive pricing. Whether you’re placing a new business or trying to rescue a non-renewed account, we’re here to help you find the right fit. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include apartment buildings, HOAs, artisan and general contractors, retail shops, and small nursing or board & care homes in California. Can you handle hard-to-place or distressed risks?Yes, we specialize in providing solutions for risks that fall outside of standard carrier appetites, including large contractors and properties in high-risk zones. What is the typical turnaround time for quotes?We offer 24-hour quote turnaround for most submissions, depending on the completeness of the information provided. Is this program available outside of California?No, this wholesale broker program is currently available only for risks located in California. What carriers are used for this program?We place business through top-rated carriers including Clarendon America and Lloyd's, providing access to strong non-admitted markets. Need help placing an account? Connect with a market specialist.

Insurance Agent Errors & Omissions Program from Continental Risk / Continental Marine Insurance Services Continental Risk / Continental Marine Insurance Services offers a competitive Insurance Agent Errors & Omissions (E&O) Program tailored for agencies with annual revenues exceeding $500,000. Designed for retail and wholesale insurance professionals, this program delivers robust protection against professional liability exposures unique to the insurance industry. Whether you're a retail agent, wholesale broker, managing general agent, or program administrator, this specialized E&O solution helps safeguard your business from claims related to professional negligence, errors, or omissions in the course of serving your clients. Ideal Accounts and Appetite This program targets a wide range of insurance professionals, including: Retail Insurance Agents Wholesale Insurance Brokers Life and Property & Casualty Agents Managing General Agents (MGAs) Program Administrators A minimum revenue threshold of $500,000 is required for this program. Agencies below that level may still qualify for alternative E&O solutions through Continental Risk. You might have a client who recently scaled up their operation and now needs higher E&O limits to satisfy carrier requirements. Or perhaps you're working with a multi-state MGA looking for flexible coverage that includes defense outside the limits — this program can address both scenarios. Coverage Highlights and Advantages The Insurance Agent E&O Program is structured to meet the real-world risks faced by insurance professionals. Key features include: Limits up to $10,000,000 Primary and excess coverage options Admitted in most states Duty-to-defend policy form Defense costs available outside the limit of liability No mold or pollution exclusions Coverage for independent contractors First-dollar defense options Limited insurer insolvency exclusion Multi-year extended reporting period options Automatic 60-day post-policy reporting period Personal injury coverage included Underwriting Notes and Minimum Premiums Minimum premiums will vary based on carrier and underwriting factors such as agency size, revenue, and loss history. Continental Risk partners only with carriers rated "A" or better, ensuring quality backing for every policy. While this program is structured for larger agencies, smaller firms may still access E&O options through Continental Risk’s alternative programs. Submissions should include complete applications, revenue breakdowns, and recent loss runs if available. Territories and Availability This program is available in all 50 states and Washington, D.C., offering broad geographic flexibility. Admitted markets are available in most states, depending on the account's characteristics and coverage structure. Why Work With Continental Risk / Continental Marine Insurance Services? As a wholesale broker with extensive experience in professional liability, Continental Risk / Continental Marine Insurance Services provides agents and brokers with access to proven markets, responsive service, and tailored solutions. Their deep understanding of the insurance industry ensures that you receive expert guidance when placing complex E&O risks. Whether you're trying to meet a carrier’s E&O requirement for a newly appointed agency or helping a long-time client renew with higher limits and broader coverage, Continental Risk is a reliable partner for your insurance professional liability needs. Frequently Asked Questions What types of accounts are a good fit for this E&O program?This program is ideal for retail and wholesale insurance agents, MGAs, life and P&C agents, and program administrators with annual revenues over $500,000. Is this program available for agencies in all states?Yes, the program is available in all 50 states and Washington, D.C., with admitted markets accessible in most states. What are the coverage limits offered?The program offers limits up to $10,000,000, with both primary and excess options available. Are independent contractors covered under this policy?Yes, the program includes coverage for independent contractors, subject to underwriting approval. Can smaller agencies under $500,000 in revenue still get coverage?Yes, Continental Risk offers alternative E&O solutions for smaller firms that do not meet the revenue threshold for this program. Need help placing an account? Connect with a market specialist.