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...olicyholders, leading to a rise in wind, hail, and named storm claims. This ha...ory, total insured value, existing deductible amounts and buy down requiremen...

... exclusive in-house programs: Wind/Hail Deductible Buyback Program through Lloyd’s of ...ial Size Category rating of XV Deductible options from $1,000 and greater ...

Artisan Contractors Workers Compensation Insurance — U.S. Risk Insurance Group, Inc. U.S. Risk Insurance Group partners with an A-rated carrier to offer a focused, competitively priced workers compensation market for artisan contractors. This program is designed for independent agents and brokers who need an admitted solution with flexible payment options, online servicing, and underwriting that understands trade contractors and small commercial operations. Overview of the Program This program provides guaranteed-cost policies and dividend plan options (available in FL). Key servicing features include online loss runs and responsive wholesale underwriting through U.S. Risk Insurance Group. The product is geared toward small-to-mid premium artisan contractors who require admitted paper and straightforward policy administration. Ideal Accounts and Appetite Small to medium-sized artisan contractors and trade contractors (e.g., carpenters, painters, electricians, plumbers, HVAC service techs) with predictable, controllable exposures. New ventures are eligible — the program will consider start-ups with appropriate underwriting information. Accounts coming out of PEO arrangements are eligible; PEO carve-outs are supported with required documentation. 24-hour shift work is eligible when it is the only exposure beyond standard operations. Coverage Highlights and Advantages Admitted coverage in the listed territories; placement through an A-rated carrier provides claims handling on an admitted basis where available. Product offerings include guaranteed cost policies and dividend plans (Florida only), giving options for agents looking to balance price and loss-sensitive programs. Online loss runs support quick quoting and underwriting referrals. Flexible payment options: direct bill or monthly self-reporting with a non-working payroll deposit. Underwriting Notes and Restrictions Underwriters look for clear, manageable risk profiles. Primary underwriting guidelines include: $2,000 minimum premium (no stated maximum). Group transportation limited to a maximum of five employees per vehicle. Height and underground work restrictions: no more than 20 feet / two stories above ground and no more than 6 feet below ground. Lapses in coverage must be referred to underwriting for review. No maximum experience modification — submissions with higher mods will be considered case-by-case. PEO carve-outs are available but require loss history, a signed PEO/client contract and amendment, and a labor endorsement. Ineligible exposures: domestic staffing, aviation operations, federal coverage, accounts with active tax liens or bankruptcies. Payment Plans Direct bill Monthly self-reporting with a non-working deposit Territories and Availability The program is available in the following states and territories: AL, AK, AZ, AR, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, OR, PA, RI, SD, TN, TX, UT, VT, VA, DC, WV, WI. Note: CA and OK are listed as limited/incidental or cannot be the governing state for the policy. Example Accounts That Fit You might have a small electrical contractor with three crews, steady payroll, and no history of regulatory or financial encumbrances — good candidate for a guaranteed-cost policy. A painting contractor in Florida with stable payroll and low loss frequency could benefit from the dividend plan option available in that state. Why Place This Business With U.S. Risk Insurance Group U.S. Risk provides wholesale distribution and program administration expertise focused on trade and artisan classes. The combination of admitted capacity, targeted underwriting, and practical servicing tools (online loss runs, monthly reporting) helps you place accounts that need admitted protection without unnecessary friction. Underwriters are experienced with PEO transitions and carve-outs, and the program accepts new ventures — giving you more options for clients who may not fit standard retail markets. Frequently Asked Questions What types of artisan contractors are a good fit for this program?Trades such as carpentry, painting, plumbing, HVAC service, electrical, and similar small-to-mid sized contractor operations with controllable field exposures are primary targets. New ventures and businesses exiting PEOs are eligible with proper documentation. What documentation is required for PEO carve-outs?For PEO carve-outs you must provide complete loss history, a signed PEO/client contract and amendment, and the labor endorsement. Underwriting will review prior payroll and claim history before acceptance. Are there height or excavation limits?Yes. The program restricts exposures to no more than 20 feet (or two stories) above ground and no more than 6 feet below ground. Submissions exceeding those limits should be referred to underwriting but may be ineligible. Which states is this program available in, and are CA or OK allowed?The program is available in the listed states (AL, AK, AZ, AR, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, OR, PA, RI, SD, TN, TX, UT, VT, VA, DC, WV, WI). California and Oklahoma are limited/incidental or cannot be the governing state. What is the minimum premium and available payment options?Minimum premium is $2,000. Payment options include direct bill or monthly self-reporting with a non-working payroll deposit; underwriting can explain program-specific billing mechanics on submission. Need help placing an account? Connect with a market specialist.

..., Collections and more Earthquake, Wind, Flood Included No Deductible No Hote...high-value collections. Is there a deductible on covered claims?No — the program is written with no deductible for covered losses, which simpli...

... starting at $1,000 Minimum deductibles starting at $1,000 Claims-made...lly starts at $1,000, with minimum deductibles typically starting at $1,000. F...

...al liability policy with modest deductible and flexible limits. A regional s...r claim and in the aggregate, with deductibles starting as low as $1,000. Ne...

...cal damage) and competitive low deductible options. Incidental General Liabili...n, including physical damage Low deductible structures to support loss contr...

...overage, with competitively low deductibles. Incidental general liability (GL)...cal damage coverage included Low deductibles to reduce out-of-pocket exposur...

...gement Primary SIR or large deductible structures seeking an all-lines bas...ups with significant payrolls, SIR/deductible programs, or multi-state operati...

Hard to Place Bank Insurance — U.S. Risk Insurance Group, Inc. Send your hard-to-place bank submission to our team and let U.S. Risk Insurance Group, Inc. take it to the entire marketplace to quote. We place accounts in all markets — domestic, standard and London — and provide personalized consultation on every submission so agents can place their difficult financial institution risks with confidence. Overview of the Program U.S. Risk Financial Services (www.usriskfinancialservices.com), based in Nashville, Tennessee, is an excess & surplus lines broker with a long history of serving the financial and lender services industries. Our team is led by Executive VP Mike Hogan and staffed by underwriters and placement specialists who focus on banks, credit unions, mortgage lenders and related institutions. We work the full marketplace — admitted and non-admitted — to find solutions for accounts that need broader capacity, specialty terms, or London market capacity. Ideal Accounts and Appetite This program is designed for financial institutions that have difficulty placing coverage with standard markets. Typical accounts that fit include: Community banks and regional banks with complex management or operational exposures Midsize mortgage lenders and specialty finance companies with prior claims or regulatory matters Institutions seeking standalone cyber, crime or fiduciary limits beyond admitted market appetite Banks requiring lender liability or bankers professional coverage with specific endorsements Accounts with straightforward operations, clean claims histories and routine limits are still best placed in admitted markets; this program targets the harder-to-place scenarios where tailored terms, broader wording or non-admitted capacity are needed. Coverage Highlights and Advantages Direct access to multiple markets — domestic, standard and Lloyd’s/London — through a single point of contact. Wide coverage options: Directors & Officers (D&O), Employment Practices Liability (EPLI), Cyber Liability, Fiduciary, Bankers Professional, Computer Crime, Lender Liability and Financial Institution Bond. Personalized consultation on strategy and policy structure for each account, including layered placements and follow-form excess. Experience placing accounts with regulatory exposures, complex claim histories, or specialty cyber and crime exposures common to financial firms. Underwriting Notes and Placement Process To expedite quoting, provide a complete submission: current policy forms and limits, loss run history (preferably five years), financial statements (or most recent call report), management resumes, and a summary of any claims or regulatory matters. We will review eligibility, recommend target markets, and advise on terms or risk-mitigation steps that improve placement prospects. We place business on both admitted and non-admitted bases depending on the client’s needs and market availability. Because we work broad markets, we can often obtain capacity where admitted markets cannot. Turnaround time depends on complexity; straightforward risks can receive indications quickly, while complex placements may require market canvass. Territories and Availability Available 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, DC, WV, WI, WY. We can consider business nationwide and in multiple market structures. Admitted status: All Available Markets — we will seek admitted or non-admitted placement as appropriate for the account and state regulatory conditions. Why Work With U.S. Risk on Hard-to-Place Bank Business Specialized financial institution practice with decades of experience placing bank, lender and financial services risks. Access to a wide range of carriers and London market capacity through an E&S brokerage platform. Hands-on consultation for underwriting strategy, policy structure and market selection led by seasoned professionals. A collaborative approach for brokers: we partner with you to present the submission, negotiate terms, and secure placement. Example Scenarios That Fit This Program You have a regional bank with a recent cyber incident and regulatory inquiry seeking higher cyber limits and tailored breach response wording — we can access carriers that will consider layered cyber and crime limits. An independent mortgage lender with prior lender liability claims needs a D&O/EPLI package with specialized exclusions removed — we canvass London and specialty markets for appetite and terms. For submission guidance, send a complete package and our underwriting team will provide targeted market strategy and next steps. Frequently Asked Questions What types of bank accounts are a good fit for this program?Hard-to-place community or regional banks, mortgage lenders, and specialty financial institutions with prior claims, regulatory matters, or needs for expanded cyber/crime or excess limits are a good fit. Routine, low-exposure accounts are usually best placed in admitted markets. Which coverages can U.S. Risk quote through this program?We can quote D&O, EPLI, Cyber Liability, Fiduciary, Bankers Professional, Computer Crime, Lender Liability and Financial Institution Bond across domestic, standard and London markets. What submission materials does the underwriting team need?Provide current policies and limits, loss runs (preferably five years), recent financial statements or call reports, management resumes, and a summary of claims or regulatory issues. Complete files speed the quoting process. Is this program admitted or non-admitted?U.S. Risk will seek placement in admitted or non-admitted markets as appropriate. We have access to both and will recommend the best market structure for the account and state regulatory environment. Need help placing an account? Connect with a market specialist.