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Woodworking Insurance — Colonial General Insurance Agency, Inc. Overview of the Program Colonial General Insurance Agency, Inc. offers a dedicated Woodworking Insurance program for agents placing coverage for cabinetmakers, furniture manufacturers, window and door shops, millwork operations and related woodworking contractors. This program provides both property and liability solutions on a mono-line or package basis and can be placed through admitted markets where available or on an excess & surplus basis as needed. Ideal Accounts and Appetite This program works well for small- to mid-sized woodworking and millwork operations that perform design/build, installation and manufacturing for residential and light commercial clients. Typical accounts include: Custom cabinet shops and furniture makers Window and door fabricators and installers Millwork shops producing trim, moulding and architectural components Contractors who both manufacture and install finished goods The program is geared toward operations with standard woodworking exposures (saws, routers, finishing operations, assembly) and reasonable loss histories. It is generally not intended for heavy industrial wood product manufacturers, high-hazard specialty processes, or accounts with frequent/large recent losses. Coverage Highlights and Advantages Underwriters provide flexible options to match the account’s exposures. Key highlights include: Commercial General Liability — Primary limits available up to $3,000,000 occurrence/aggregate Hired and Non-Owned Auto coverage available Medical Payments coverage with a $5,000 limit included Additional interests can be named Excess/Umbrella limits up to $25,000,000 Property coverage options: Basic, Broad, or Special form; building, contents, business income Specialized property add-ons: Bailees’ Customer, Contractors’ Equipment, Installation Floater, Accounts Receivable, Valuable Papers Equipment Breakdown and Outside Signs available Replacement Cost or Actual Cash Value valuation Crime coverage options: inside the premises (theft of money and securities), inside premises robbery or safe burglary of other property, and outside the premises Minimum $500 deductible required Underwriting Notes and Typical Submission Requirements Colonial General’s underwriting team evaluates operations by process, revenue mix, and controls. Common factors they consider include finishing operations (spray booths), dust collection and housekeeping, flammable solvent storage, installation exposures, and bailee/customer exposures. To accelerate review, provide a clear description of operations, years in business, estimated annual receipts or payroll, and recent loss history. Underwriters commonly request a completed application and loss runs; they may also ask for photos of the workspace and protection details for facilities using spray finishes or large finishing systems. Territories and Admitted Status This program is available in: AZ, CA, CO, ID, NV, NM, UT, WY. Colonial General places coverage through multiple markets — admitted where offered and excess & surplus lines where necessary. The admitted status varies by state and by carrier ("Some Available Markets"). Why Place Woodworking Business Through Colonial General? Specialized focus — underwriting that understands woodworking operations and the common loss drivers for small and mid-size shops. Flexible placement — access to a range of admitted and E&S markets and ability to package property and liability with ancillary coverages like bailee and installation floaters. Competitive limit options — higher primary limits and significant umbrella capacity for contractors who need broader protection. Responsive underwriting — practical risk mitigation guidance and tailored terms for accounts with standard controls. Example Accounts You might have a client who operates a local cabinet shop with light installation services and modest annual receipts — this program can provide packaged property and liability with bailee coverage for customer goods. Or you could place a larger regional millwork shop that needs higher liability limits, an installation floater and contractors’ equipment coverage while protecting customer property with bailee’s coverage. For submission help or to confirm market availability in a specific state, contact Colonial General’s underwriting desk through your regular wholesale channels. Colonial General acts as a Managing General Agency and Excess & Surplus Lines Broker with multiple carrier relationships. Frequently Asked Questions What types of woodworking accounts are a good fit for this program?The program targets small- to mid-sized woodworking and millwork operations — cabinetmakers, furniture shops, window and door fabricators, and install-focused contractors. Shops with standard woodworking processes and reasonable loss history are preferred. Are admitted markets available or is this E&S only?Colonial General places business in both admitted and excess & surplus markets. Availability depends on state and carrier appetite; some markets are admitted while others are written on an E&S basis. What limits and key coverages can I expect?Commercial General Liability primary limits are available up to $3,000,000 occurrence/aggregate. Excess or umbrella capacity can go up to $25,000,000. Property, bailee’s customer, installation floaters, equipment breakdown and crime coverages are also available. A minimum $500 deductible is required. What underwriting information should I include with a submission?Include a description of operations, estimated annual receipts or payroll, years in business, and current loss runs. Underwriters will also want to know about finishing operations, dust control, storage of flammables, and whether the client performs installations or has bailee exposures. Which states does the program serve?The program is available in AZ, CA, CO, ID, NV, NM, UT and WY. Market availability and admitted status can vary by state. Need help placing an account? Connect with a market specialist.

Here at American Lumber Underwriters, we specialize in tailored Workers Compensation solutions for businesses in the lumber and woodworking industry. As a Managing General Underwriter (MGU) focused on forest products, we understand the specific operational risks your clients face — from heavy saws and planers to repetitive motion and mobile equipment exposures. We place difficult and high-hazard accounts that many standard carriers will decline. Program Overview Our Lumber and Woodworking Industry Workers Compensation program is designed for higher-hazard wood operations that are often underserved in the standard market. We work with multiple carriers on a non-admitted basis to provide competitive placement options where admitted carriers may not be available. The program supports both new and renewal business and is set up to help agents place accounts with prior loss history or assigned risk experience. Target Classes and Ideal Accounts We concentrate on a broad range of wood and forest products operations, including: • Sawmills • Planer Mills • Cabinet Manufacturing • Hardwood Flooring Mills • Veneer & Plywood Manufacturing • Pallet & Truss Manufacturing • Laminated Wood Products • Door, Window, and Stair Manufacturing • Millwork & Furniture Manufacturing • Chip & Mulch Mills • Wood Treating Facilities • Lumber Yards • Building Material Dealers • Hardware Stores Typical accounts that fit this program are operations with heavy machinery, mobile equipment, manual material handling, or repetitive motion exposures. Accounts with prior large losses or those that have been declined in the admitted market are welcome — provided they meet underwriting guidelines. Coverage Features and Risk Control Beyond placement, American Lumber Underwriters offers risk control resources aimed at reducing frequency and severity of claims: On-site operational safety inspections Claims reviews and hands-on support Web-based training tools and streaming safety videos Safety literature, white papers, and DVDs These resources are intended to strengthen safety programs, help improve loss experience, and support long-term premium stability. Underwriting Requirements and Minimum Premiums To submit accounts, provide the following: • Completed Workers Compensation application with FEIN • Five years of premium and payroll history • Five years of currently valued loss runs • Details on losses over $25,000 • New and expiring Experience Rating Worksheets • Number of employees by class code Minimum premium guidance: $10,000 minimum for most classes $20,000 minimum for sawmills Underwriting will consider operations, safety controls, loss trends, and class mix. Large or complex operations may require additional information or inspections. States and Availability This non-admitted 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, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, DC, WV, and WI. Why Work With American Lumber Underwriters? We are a niche MGU focusing exclusively on lumber and forest products. That focus gives us stronger underwriting insight, faster turnaround on decisions, and targeted risk control support compared with generalist markets. We help agents place accounts that are hard to place elsewhere and work collaboratively to keep coverage in force as accounts improve. You might have a regional cabinet manufacturer with repetitive motion exposures and recent soft tissue claims — we can provide placement options and loss-control resources to address the exposure. Or you may be placing a sawmill with mobile equipment and custom cutting operations — we have appetite for sawmills subject to the program minimum. We're ready to quote you! Frequently Asked Questions What types of accounts are a good fit for this program?We specialize in higher-hazard wood operations such as sawmills, cabinet and furniture manufacturers, chip mills, pallet manufacturers, and other forest products facilities. Is this program admitted or non-admitted?This Workers Compensation program is written on a non-admitted basis through multiple carriers to provide market access where admitted options are limited. What is the minimum premium required?Minimum premium is $10,000 for most classes and $20,000 for sawmills. What submission information is required?Provide a completed WC application with FEIN, five years of loss runs and premium/payroll history, details on large losses, experience rating worksheets, and employee counts by class code. In which states is this program available?Coverage is available in most states across the U.S., including CA, TX, FL, NY, and many others listed above. Need help placing an account? Connect with a market specialist.

Ethical, Dedicated, Dependable — Problem Solvers with Deep Lumber Industry Expertise The staff at American Lumber Underwriters has been serving the Wood Products industry for many years. During that time we built an all-lines specialty market to address your clients' wood products needs, continually improving our coverages and service model to match industry exposures and agent expectations. Our Wood Products program is designed to meet the unique needs and challenges faced by companies in the lumber, millwork, and building materials sectors. Coverages Offered: • Commercial Auto • Inland Marine • Property • Crime Coverage • Commercial Umbrella • Workers Compensation • Employers Liability • Equipment Breakdown • Logging Equipment • General Liability • Employment Practices Liability *We also offer competitive stock throughput. We consider most industries, with the exception of tobacco and cell phone products. Any client involved in manufacturing wood products, or in the wholesale and retail distribution of hardware, lumber, and building materials, may qualify for our Wood Products program. We pair underwriting experience in the lumber trade with flexible coverages and a focus on loss control and claims service. Target Classes: • Millwork • Cabinet Manufacturers • Saw Mills • Pallet Manufacturers • Hardwood Dimensional Lumber (floor) • Lumberyards • Planning Mills • Wood Preservers • Hardware Stores • Truss Manufacturers • Plywood Manufacturers • Rental Equipment Dealers • Wood product manufacturers NOC • Building Material Dealers and Distributors Program Highlights and Advantages Industry-focused underwriting that recognizes the seasonal, processing, and inventory risks unique to lumber and wood products. All-lines capability — place Property, GL, Auto, Inland Marine (including stock throughput), Workers' Compensation and more through a single program. Customizable solutions and competitive terms for accounts that fit our appetite, backed by a managing general underwriter with deep lumber experience. Proactive loss control emphasis and experienced claims partners to help manage frequency and severity in high-exposure operations. Underwriting Notes and Minimum Premiums We typically require a minimum premium of $10,000 for most classes. Sawmills generally have a higher minimum premium of $20,000. Appetite is broad across wood products, but we exclude tobacco and cell phone product lines. Use this program for accounts where you need industry-aware underwriting, stock throughput solutions, or tailored inland marine and property programs. Territories and Licensure Available in most states. American Lumber Underwriters operates as a Managing General Underwriter and offers this Wood Products program in the following jurisdictions: 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 Admitted status: Most Available States. Why Place Wood Products Business with American Lumber Underwriters Specialized lumber and wood-products underwriting — we understand the operational risks and valuation challenges agents encounter in this sector. Single-source access to multiple coverages, simplifying placement for accounts that need coordinated limits and terms. Responsive underwriting and a service-oriented approach focused on loss control and claim outcomes. Example Accounts That Fit Well A regional lumberyard with mixed retail and wholesale operations seeking property, GL, inland marine for stock throughput, and a commercial auto package. A cabinet manufacturer requiring equipment breakdown coverage, general liability, and workers' compensation with industry-aware rating and loss-control recommendations. If you are interested in learning more about American Lumber Underwriters and the programs we offer, please email or call one of our experienced team members for submission requirements and quoting instructions. You can also view our company profile and storefront on CompleteMarkets: Company Profile | Wood Products Storefront Frequently Asked Questions What types of accounts are a good fit for the Wood Products program?Accounts handling lumber, millwork, cabinets, pallets, trusses, plywood, and building material distribution are ideal. We look for operations with measurable loss-control practices and standard exposures—sawmills and larger processing facilities are considered but have a higher minimum premium. What are your minimum premiums and special underwriting requirements?Minimum premiums are generally $10,000 for most classes and $20,000 for sawmills. We review operations, inventory management, fire protection, and loss history as part of our standard underwriting. Stock throughput is available and competitively priced for qualifying accounts. Which states is the program available in?The program is offered in most states (see the states list in this storefront). We operate as a Managing General Underwriter and can discuss admitted versus non-admitted placement options depending on the risk and state requirements. Are there classes or industries you will not consider?We consider most wood-related and building materials businesses but do not write accounts whose primary products are tobacco or cell phone products. Certain high-hazard or unusual operations may be referred or declined after review. How do I submit a prospect for consideration?Prepare current loss runs, a completed ACORD application or equivalent, values (including stock and equipment), and a description of operations. Reach out to our underwriting team through the contact methods listed on our CompleteMarkets profile to confirm submission requirements for the specific class. Need help placing an account? Connect with a market specialist.

Caitlin Morgan Insurance Services offers a comprehensive Miscellaneous E&O (Errors and Omissions) Insurance program designed to protect professionals from claims related to negligence, errors, or omissions in the services they provide. As a wholesale broker with access to various markets, Caitlin Morgan delivers tailored professional liability solutions to a broad range of classes that often fall outside traditional E&O programs. Ideal Accounts and Appetite This program is ideal for a wide array of professionals offering specialized or advisory services. Desired classes include: Insurance agents and brokers Real estate agents and brokers Consultants (various types) Executive recruiting firms Employment agencies Claims adjusters, billing services, and data processing centers Title agents, publishers, and PR firms Tour operators and event planners Excluded risks include medical, legal, and pollution exposures, as well as life and health agents and fiduciary risks. Coverage Highlights and Advantages Primary and excess limits available Limits ranging from $100,000 up to $5 million Deductibles as low as $2,500 Minimum premiums starting at $2,500 Coverage is designed to protect against claims resulting from professional services rendered, such as administrative errors, miscommunication, missed deadlines, or failure to deliver contracted services. Whether your client is a solo consultant or a mid-sized agency, Caitlin Morgan can help you secure the right liability protection. Underwriting Notes and Minimum Premiums With underwriting flexibility and an understanding of niche professional exposures, Caitlin Morgan evaluates each submission with attention to detail. Minimum premiums start at $2,500, making this program accessible for small to mid-sized firms. Deductibles begin at $2,500, with options to adjust based on risk profile and limits selected. Territories and Availability This Miscellaneous E&O Insurance program is available in all 50 states and Washington, D.C. Caitlin Morgan places business on both an admitted and non-admitted basis, depending on the risk and market availability in your client’s state. Why Work With Caitlin Morgan Insurance Services? As a trusted wholesale broker, Caitlin Morgan brings market access and underwriting insight to help insurance agents and brokers place complex professional liability risks. Their team understands the nuances of miscellaneous E&O coverage and has experience working with a wide range of professional services firms. Whether you're placing a startup consulting firm or a seasoned title agency, Caitlin Morgan can help you find the right solution quickly and efficiently. You might have a client who has launched a new employment agency or a small data processing center that needs tailored E&O coverage to satisfy vendor contracts. Caitlin Morgan can help you place these accounts with confidence. Frequently Asked Questions What types of accounts are a good fit for this Miscellaneous E&O program?Professional service firms such as consultants, insurance agents, real estate brokers, title agents, claims adjusters, and event planners are ideal candidates for this program. Are there any excluded classes under this program?Yes, Caitlin Morgan excludes risks involving medical, legal, and pollution exposures, as well as life and health agents and fiduciary-related services. What are the available coverage limits and deductibles?Coverage limits range from $100,000 to $5 million, with deductibles starting as low as $2,500. Is this program available nationwide?Yes, this program is available in all 50 states and Washington, D.C., with both admitted and non-admitted options depending on the state and risk profile. What is the minimum premium for this program?The minimum premium starts at $2,500, making it suitable for small to mid-sized professional service firms. Need help placing an account? Connect with a market specialist.

DealerGuard - Auto Dealer's Open Lot For over 30 years, DealerGuard from Amwins Underwriting has provided open-lot physical damage coverage tailored to franchised and large independent auto dealers, associations, and finance company floorplans. The program pairs targeted underwriting with consultative service, loss-control support, and nationally recognized claims administration to protect inventory parked on dealer lots. Sweet spot Franchised auto dealers or large independent auto dealers Low demo/employee ratio (<10%) Low loss ratio (<30% current year; <40% prior three years) 5+ years in operation (franchised); 3+ years in operation (independent) Eligible risks - Franchised automobile dealers. Typical operations include sales of new and used vehicles, with incidental maintenance, service, and repair. Minimum account premium is $10,000. - Dealer Open Lot coverage may be written in conjunction with Manufacturer and Floorplan coverage. Ineligible risks - Auto (daily or weekly) rental operations - Boat dealers Coverage highlights Dealer's Open Lot Available for “non-floored only” accounts when required. Inventory protection can be extended to motorcycle and bus dealers. Parametric Parametric hail coverage is available for dealers in high-weather-risk zones where traditional terms can be difficult to secure. Other coverages available (separate policies) - Pollution and Underground Storage Tank Services & claims - Loss control and consultative services - Claims management provided by a nationally recognized third-party administrator - Dedicated, client-focused service team Underwriting notes & minimums Amwins Underwriting operates this program as a non-admitted market focused on larger dealer accounts. The program’s minimum account premium is $10,000. Underwriters look for stable operations, clean loss histories, and strong on-lot controls. Typical requirements include a completed DealerGuard application and currently valued loss runs (current year plus four prior years). Submission requirements - Completed DealerGuard application - Currently valued loss runs (current plus four prior years) - Franchised dealers: page one of the most recent month-end financial statement for each franchise/dealership - Non-franchised dealers: detailed inventory listing for all vehicles Please send submissions to: [email protected] Territory & carrier Available in: AL, AK, AZ, CA, CT, DE, FL, GA, ID, IL, IN, KY, LA, ME, MD, MA, MI, MN, MS, MT, NV, NH, NJ, NM, NY, NC, ND, OH, OR, PA, RI, SC, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Carrier: Lexington. Program administered by Amwins Underwriting (MGA). Why place DealerGuard through Amwins Underwriting? Specialized underwriting for franchised and large independent dealers with decades of program experience. Integrated loss-control and claims services designed for large inventory exposures. Flexible options for non-floored risks, inventory types (including motorcycles and buses), and parametric solutions for hail-prone territories. Dedicated underwriting and service teams focused on dealer-floorplan and open-lot exposures. Example accounts that fit this program You represent a multi-franchise dealer group with consistent safety controls, a low demo-to-employee ratio, and a five-year operating history — ideal for DealerGuard placement. A large independent dealer with several satellite lots, clean loss runs, and a $12,000 account premium need — fits the program’s minimum and underwriting profile. When completing applications, please include the Date a Quote is Required and the Expiring and/or Target Premiums. Frequently Asked Questions What types of dealer accounts are a good fit for DealerGuard?DealerGuard is designed for franchised auto dealers and large independent dealers with stable operations, low demo/employee ratios, and strong loss histories. The program targets accounts with solid on-lot controls and multi-year operating experience. What are the submission and documentation requirements?Submit a completed DealerGuard application, currently valued loss runs (current plus four prior years), and financials or detailed inventory listings depending on whether the dealer is franchised or independent. Is there a minimum premium or territory restrictions?Yes. The program’s minimum account premium is $10,000. Coverage is available in the states listed above; confirm availability with underwriting for specific risks. Does the program handle claims and loss control?Yes. Amwins Underwriting pairs the DealerGuard program with loss control and consultative services and uses a nationally recognized third-party administrator for claims management. What is the parametric hail option and when is it used?The parametric offering provides a hail-triggered payout for dealers in high-weather-risk zones where traditional terms may be limited. It’s intended as an alternate solution for hail-prone portfolios. Need help placing an account? Connect with a market specialist.

An exclusive program offering package coverage for scrap metal dealers. Proudly endorsed by the Automotive Recyclers Association (ARA) as the preferred insurance provider for professional automotive recyclers. Overview — Amwins Underwriting Scrap Metal Insurance Program With more than 30 years of experience writing scrap and recycling risks, Amwins Program Underwriters — part of Amwins Underwriting — offers a dedicated insurance program for scrap metal dealers and automotive recyclers. The Scrap Metal Dealers program is distributed through a select group of retail brokers and is available in most states. Coverage is underwritten by experienced specialists who understand the operational, property and liability exposures unique to the scrap metal sector. Program availability Available in all U.S. states except: AK, HI & MA. Ideal accounts and appetite This program is designed for established, professionally run scrap operations, including: Businesses that process and sell ferrous and non-ferrous metal scrap Scrap recycling facilities Automotive dismantlers and auto recyclers Self-service yards and salvage operations Typical fit: operations with documented procedures for inventory control, secure yards, accepted pollution controls, and experienced management. Accounts with high-value or complex environmental exposures, large barge or rail handling, or uninsured prior losses should be submitted for pre-review. Coverage highlights The program offers a broad package of coverages to address common exposures for scrap dealers: General liability (including premises and products exposure) Property (buildings, contents, stock and outdoor property) Inland marine (materials handling, mobile equipment and transportation exposures) Crime and inventory theft coverage Conversion protection for inventory losses Cyber liability Equipment breakdown Umbrella liability limits Workers’ compensation — click here to learn more For full program details and forms, see the program page on Amwins’ site: Scrap Metal Dealers program. Underwriting notes and minimum premium Underwriters look for clear inventory controls, secure storage and sound yard management. Key submission items typically include loss runs, photos of the yard and storage practices, a list of owned and leased equipment, and descriptions of processing/handling operations. Minimum premium: Varies by state and exposure; final pricing is subject to underwriting review. Territories and admitted status The program is available in the states listed above. Coverage is offered on an admitted basis where the program carrier and state regulations permit. Why place this business with Amwins Underwriting Niche underwriting expertise in scrap and automotive recycling risks Comprehensive package options that address the mix of property, liability and inland marine exposures common to scrap dealers Distribution through a select retail broker network that helps ensure submissions are complete and competitive Endorsement by the Automotive Recyclers Association (ARA), signalling market acceptance in the automotive recycling community Example accounts that fit this program A family-owned auto dismantler that operates a secure self-service yard, maintains inventory controls, and wants combined property, liability and inland marine coverage. A regional scrap recycler that processes ferrous and non-ferrous metals, uses forklifts and conveyors, and needs equipment breakdown and conversion coverage in addition to package limits. To learn more about property & casualty solutions for scrap metal dealers, please visit the program page on Amwins’ website: please visit our website. Frequently Asked Questions What types of accounts are a good fit for this program?Established scrap dealers, auto recyclers, self-service yards and automotive dismantlers with documented inventory controls, secure yards and routine safety practices are ideal. Complex environmental risks and large transportation operations should be discussed with underwriting first. Which states is this program available in?The program is available in most U.S. states. It is not offered in Alaska, Hawaii or Massachusetts. Availability may vary by carrier and state regulations. Is coverage written on an admitted or non-admitted basis?Coverage is underwritten on an admitted basis where the carrier and state regulations allow. Specific admitted status can vary by state and line of coverage. What submission materials does Amwins Underwriting typically require?Underwriters generally request recent loss runs, photos of the yard and storage areas, descriptions of operations and processing, lists of equipment, and details on controls for inventory and theft prevention. How does the minimum premium work?Minimum premium varies by state and by the account’s exposures. Underwriting will provide minimum premium guidance after reviewing the submission details. Need help placing an account? Connect with a market specialist.

LawGold, part of Amwins Program Underwriters, offers E&O insurance coverage for law firms with 1-40 attorneys. Overview of the Program From Amwins Underwriting Amwins Underwriting’s LawGold program provides professional liability (Lawyers E&O) designed specifically for small law firms and solo practitioners. The program is geared to firms that need tailored E&O protections, flexible optional enhancements, and access to admitted paper in many states. Coverage is issued through Amwins Program Underwriters and underwritten with an emphasis on straightforward risks and clean or minimal loss histories. Ideal Accounts and Appetite Solo attorneys and small law firms of 1–40 attorneys. Clean or minimal prior loss history; some affirmative consideration for firms with limited, well-managed prior claims. Solo attorneys or at least one partner should have been admitted to practice for at least two years. Practices without extensive high-exposure specialties (e.g., mass torts, large transactional platforms, or frequent class actions) are the best fit. Coverage Highlights and Advantages Professional liability (errors & omissions) limits appropriate for small law firms. Electronic media liability included to address risks from online communications and content. Worldwide coverage available for professional services, subject to policy terms. Predecessor firm coverage to protect newly merged or reorganized practices. Optional coverages to broaden protection, including: Separate limit for claims expenses Client identity theft coverage Broadcasters liability Career coverage Trustees liability coverage Gramm-Leach Bliley Act (GLBA) coverage Lateral hire coverage Underwriting Notes Underwriting focuses on the firm’s practice areas, claims history, attorney experience, and risk management controls. Expect underwriters to ask for: Prior acts and loss history details Resume or biography for principals/partners showing admission dates and experience Information on firm procedures for conflicts, client intake, and data security when optional cyber/identity products are requested Firms with significant or recurrent malpractice claims, high-volume transactional work, complex litigation exposures, or specialty practices outside the program’s appetite may be declined or referred to excess/non-program markets. Territories and Admitted Status The LawGold program is available in all U.S. states and Washington D.C. Amwins offers admitted coverage in select states. Admitted coverage is available in: AL, AZ, CO, FL, GA, IL, IN, KS, MA, MI, MO, NE, NV, NC, OH, PA, TX, UT, and WV. Non-admitted or excess options may be available in other jurisdictions—confirm state placement options with Amwins underwriting. Example Accounts That Fit This Program A two-attorney family law firm with clean prior history seeking a policy that includes electronic media coverage and optional client identity theft protection. A solo transactional attorney admitted for five years looking for admitted paper in their state and predecessor coverage after a recent firm name change. Why Work With Amwins Underwriting on Lawyers E&O Program-focused underwriting tailored for small law firms and solo practitioners. Admitted paper in many states combined with optional enhancements that let you tailor protection to the client’s exposures. Simple eligibility guidelines that help agents place straightforward risks quickly. Access to Amwins’ broader distribution and program resources when accounts need placement support or endorsement tailoring. For additional program details, application instructions, and submission requirements, refer to the LawGold product page: Click here for additional details about our LawGold program. Frequently Asked Questions What types of accounts are a good fit for LawGold?LawGold targets solo attorneys and law firms with 1–40 attorneys that have clean or minimal loss histories and at least one partner or solo attorney admitted for two or more years. Routine practice areas and firms without frequent high-exposure litigation are ideal. Is admitted coverage available?Yes. Amwins offers admitted LawGold coverage in select states (including AL, AZ, CO, FL, GA, IL, IN, KS, MA, MI, MO, NE, NV, NC, OH, PA, TX, UT, and WV). Availability varies by state—confirm with underwriting at submission. What optional coverages can I add for a client?Options include a separate limit for claims expenses, client identity theft coverage, broadcasters liability, career coverage, trustees liability, GLBA coverage, and lateral hire coverage. Availability depends on underwriting and the client’s exposures. What information does underwriting typically require?Underwriters generally request prior acts/loss history, resumes or admissions dates for principals, descriptions of practice areas, and details on firm risk controls—especially if optional cyber/identity protections are requested. How should I submit a deal or get more information?Submit via your usual Amwins placement channels or contact the Amwins Underwriting team for guidance on eligibility, admitted availability by state, and submission checklists. Need help placing an account? Connect with a market specialist.

Ethical, Dedicated, Dependable — Problem Solvers with Deep Lumber Industry Expertise The staff at American Lumber Underwriters has been serving the Wood Products industry for many years. During that time we built an all-lines specialty market to address your clients' wood products needs, continually improving our coverages and service model to match industry exposures and agent expectations. Our Wood Products program is designed to meet the unique needs and challenges faced by companies in the lumber, millwork, and building materials sectors. Coverages Offered: • Commercial Auto • Inland Marine • Property • Crime Coverage • Commercial Umbrella • Workers Compensation • Employers Liability • Equipment Breakdown • Logging Equipment • General Liability • Employment Practices Liability *We also offer competitive stock throughput. We consider most industries, with the exception of tobacco and cell phone products. Any client involved in manufacturing wood products, or in the wholesale and retail distribution of hardware, lumber, and building materials, may qualify for our Wood Products program. We pair underwriting experience in the lumber trade with flexible coverages and a focus on loss control and claims service. Target Classes: • Millwork • Cabinet Manufacturers • Saw Mills • Pallet Manufacturers • Hardwood Dimensional Lumber (floor) • Lumberyards • Planning Mills • Wood Preservers • Hardware Stores • Truss Manufacturers • Plywood Manufacturers • Rental Equipment Dealers • Wood product manufacturers NOC • Building Material Dealers and Distributors Program Highlights and Advantages Industry-focused underwriting that recognizes the seasonal, processing, and inventory risks unique to lumber and wood products. All-lines capability — place Property, GL, Auto, Inland Marine (including stock throughput), Workers' Compensation and more through a single program. Customizable solutions and competitive terms for accounts that fit our appetite, backed by a managing general underwriter with deep lumber experience. Proactive loss control emphasis and experienced claims partners to help manage frequency and severity in high-exposure operations. Underwriting Notes and Minimum Premiums We typically require a minimum premium of $10,000 for most classes. Sawmills generally have a higher minimum premium of $20,000. Appetite is broad across wood products, but we exclude tobacco and cell phone product lines. Use this program for accounts where you need industry-aware underwriting, stock throughput solutions, or tailored inland marine and property programs. Territories and Licensure Available in most states. American Lumber Underwriters operates as a Managing General Underwriter and offers this Wood Products program in the following jurisdictions: 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 Admitted status: Most Available States. Why Place Wood Products Business with American Lumber Underwriters Specialized lumber and wood-products underwriting — we understand the operational risks and valuation challenges agents encounter in this sector. Single-source access to multiple coverages, simplifying placement for accounts that need coordinated limits and terms. Responsive underwriting and a service-oriented approach focused on loss control and claim outcomes. Example Accounts That Fit Well A regional lumberyard with mixed retail and wholesale operations seeking property, GL, inland marine for stock throughput, and a commercial auto package. A cabinet manufacturer requiring equipment breakdown coverage, general liability, and workers' compensation with industry-aware rating and loss-control recommendations. If you are interested in learning more about American Lumber Underwriters and the programs we offer, please email or call one of our experienced team members for submission requirements and quoting instructions. You can also view our company profile and storefront on CompleteMarkets: Company Profile | Wood Products Storefront Frequently Asked Questions What types of accounts are a good fit for the Wood Products program?Accounts handling lumber, millwork, cabinets, pallets, trusses, plywood, and building material distribution are ideal. We look for operations with measurable loss-control practices and standard exposures—sawmills and larger processing facilities are considered but have a higher minimum premium. What are your minimum premiums and special underwriting requirements?Minimum premiums are generally $10,000 for most classes and $20,000 for sawmills. We review operations, inventory management, fire protection, and loss history as part of our standard underwriting. Stock throughput is available and competitively priced for qualifying accounts. Which states is the program available in?The program is offered in most states (see the states list in this storefront). We operate as a Managing General Underwriter and can discuss admitted versus non-admitted placement options depending on the risk and state requirements. Are there classes or industries you will not consider?We consider most wood-related and building materials businesses but do not write accounts whose primary products are tobacco or cell phone products. Certain high-hazard or unusual operations may be referred or declined after review. How do I submit a prospect for consideration?Prepare current loss runs, a completed ACORD application or equivalent, values (including stock and equipment), and a description of operations. Reach out to our underwriting team through the contact methods listed on our CompleteMarkets profile to confirm submission requirements for the specific class. Need help placing an account? Connect with a market specialist.

Amwins Underwriting — Commercial Auto Program The Amwins Underwriting Division offers specialized Commercial Auto insurance programs designed for transportation and fleet risks that don't always fit standard markets. This program targets fleets and single-vehicle operations across a range of industries, with underwriting built around real-world exposures such as for-hire hauling, passenger transport, and specialized service vehicles. Overview This Commercial Auto program provides flexible solutions for difficult-to-place automobile exposures. Typical classes include recyclers and waste haulers, limousine and medallion-style services, long-haul trucking, charter buses, taxicabs, non-emergency medical transportation, dump trucks and other specialized haulers. Amwins Underwriting leverages program expertise to assess fleet histories, driver management, and vehicle operations to provide competitive capacity where standard markets may decline. Ideal Accounts and Appetite Small-to-medium sized fleets and owner-operators with documented safety controls. Specialty passenger operations such as charter buses, limos and non-emergency medical transport. Local and regional haulers, including recyclers, waste/dump trucks and dedicated long-haul units. Accounts requiring flexible terms for hired/non-owned autos or mixed vehicle types. Accounts that frequently fit the program have strong driver screening programs and maintain regular maintenance records. Risks with excessive loss frequency, chronic MVR issues, or unreported operations are generally outside the appetite. Coverage Highlights and Advantages Underwriting geared to transportation niches often viewed as high-risk by admitted carriers. Capability to underwrite fleets with diverse vehicle types and mixed operations. Focus on underwriting factors that matter to agents: driver selection, vehicle maintenance, operations description and loss control. Streamlined submission review intended to provide clear feedback to brokers on eligibility and potential rating/coverage options. Underwriting Notes and Submission Guidance When submitting accounts, include a completed application, current loss runs, MVRs for principal drivers, and a vehicle schedule. Be prepared to document driver hiring and training practices and any safety programs. Minimum premiums and specific terms depend on vehicle mix, operations and loss history; please expect underwriters to evaluate exposures on a case-by-case basis. Territories and Availability 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, DC, WV, WI, WY. Coverage availability and terms may vary by state and by local regulatory requirements. Why Place Business with Amwins Underwriting Specialized underwriting experience focused on commercial auto niches. Access to program capacity for accounts that may be challenging to place in standard admitted markets. Practical guidance to help improve account presentation and increase placement success. Resources to help you quote and bind transportation risks faster and with clearer expectations. To learn more about program specifics, acceptable classes, or to begin a submission, review the program details on our website or contact your usual wholesale distribution channel. Frequently Asked Questions What types of commercial auto accounts are the best fit for this program?Fleets and owner-operators in transportation niches—recyclers, waste haulers, limousines, charter buses, taxicabs, non-emergency medical transport and dump trucks—are primary targets, especially when they demonstrate organized driver controls and maintenance programs. What documents should I include with a submission?Provide a completed application, current loss runs (typically 3 years), a vehicle schedule, MVRs for primary drivers, and a summary of safety or driver-training programs to expedite underwriting review. Are there states where this program is not available?The program is available in a broad list of states (see the territories section above). Availability or policy terms can vary by state, so verify state-specific restrictions with underwriting before submitting. Can this program write mixed fleets with passenger and commercial hauling exposures?Yes. The program is designed to consider mixed vehicle fleets, but underwriting will assess operations, driver qualifications and loss history to determine appropriate terms and limits. How quickly will underwriting respond to a submission?Response times depend on submission completeness. Providing the requested documentation up front (application, loss runs, MVRs, vehicle list) typically results in faster underwriting decisions and clearer feedback on eligibility. Need help placing an account? Connect with a market specialist.

Auto GL, Phys Dam, and Excess Coverage for Dump and Roll-Off Fleets Program overview — Amwins Underwriting / Trinity Underwriting Managers Trinity Underwriting Managers (TUMI), part of the Amwins Underwriting division, offers a focused commercial auto program for dump and roll-off truck fleets. Our underwriting team brings deep trucking expertise and fast, practical service so you can place accounts efficiently and keep your clients moving. Ideal accounts and appetite Agents can use this program for trucking professionals who haul loose materials and roll-off containers, including: Sand, gravel and other aggregates Roll-off containers for construction debris or agricultural products Fleets from 1 to 100 power units (some restrictions on older power units) Not eligible: new ventures, scrap metal haulers, garbage trucks, mix-in-transit operations, hazmat, and frac sand. Coverage highlights Auto liability available up to $1,000,000 General liability up to $1,000,000 Physical damage on a stated amount basis with selectable deductibles Excess limits available to broaden primary limits Admitted and non-admitted options with A.M. Best "A" rated carriers Underwriting notes Preferred for established operators with proven loss history and stable operations. Expect restrictions for older power units; specify unit ages and VINs on submission. New ventures and high-hazard commodities (e.g., frac sand, hazmat) are declined. Physical damage is written on a stated amount basis — provide vehicle schedules and values. Contact underwriting for questions about fleet mix, mileage, and driver qualification controls. Example accounts that fit A family-owned construction aggregate hauler with 12 power units and routine routes between quarries and local jobsites. A regional roll-off container operator with 25 units hauling construction debris for municipal and private contractors (no hazmat). Territories and availability Available in: AL, AZ, AR, CA, CO, DE, FL, GA, ID, IL, IN, IA, KS, ME, MD, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, OR, PA, SC, SD, TN, TX, UT, VT, VA, WV, WY. The program supports admitted and non-admitted placements where appropriate. Why place with Amwins Underwriting (TUMI) Specialized underwriting team focused on dump and roll-off exposures. Access to A.M. Best "A" carriers across admitted and non-admitted markets. Streamlined placement for single-unit up to mid-size fleets (1–100 units). Responsive service for quoting, policy issuance, and endorsement handling. To learn more about our program, please visit our website. Frequently Asked Questions What types of accounts are the best fit for this Dump Trucks program?Accounts that haul aggregates (sand, gravel) or operate roll-off containers for construction debris or agriculture, with fleets from 1 to about 100 power units and an established loss history, are ideal fits. New ventures, scrap, garbage, mix-in-transit, hazmat, and frac sand operations are not eligible. What coverages and limits can I quote through this program?The program offers auto liability up to $1M, general liability up to $1M, physical damage on a stated amount basis with deductible options, and excess limits where appropriate. Both admitted and non-admitted markets are available. Are there vehicle-age or equipment restrictions?Yes. The program places some restrictions on older power units. Provide vehicle ages, VINs, and values at submission so underwriting can confirm eligibility and pricing. How should I submit a prospect for review?Include a complete vehicle schedule (VINs, model years, stated values), driver abstracts, loss runs, and details on operations and commodities hauled. Clear documentation of driver qualification and maintenance programs speeds the review. Is this available nationwide?This program is available in the states listed above and supports admitted and non-admitted placements. Check state availability for specific territories before submission. Need help placing an account? Connect with a market specialist.