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Employment Practices Liability Insurance Program from Professional Insurance Associates, Inc. Do your commercial clients need protection from growing employee-related litigation? Professional Insurance Associates, Inc. offers Employment Practices Liability Insurance (EPLI) solutions tailored for agents and brokers who place small to mid-sized businesses. Our EPLI can be issued as an endorsement to a Businessowners (BOP) or General Liability policy, or as a stand-alone policy written alongside a BOP—giving you flexibility to match coverage to the client’s operations and budget. Ideal Accounts and Appetite We place a broad range of industry classes, including: Construction contractors and subcontractors Professional services firms (consultants, architects, engineers) Retail operations and small chains Financial institutions and credit unions Hospitality, restaurants, and food service This program fits employers from very small staffs up through larger operations—typically accounts with as few as five employees up to several hundred. Appetite is broad but underwriters will review staffing structure, HR practices, and claim history to determine eligibility. Coverage Highlights and Advantages Our EPLI solutions help protect insureds against a wide range of workplace claims, for example: Discrimination (race, gender, age, disability, etc.) Wrongful termination Harassment and sexual harassment Failure to promote or wrongful discipline Retaliation claims Alleged violations of family leave obligations Negligent evaluation and other employment-related allegations Policies are generally written on a claims-made basis, so claims must be both caused and reported during the policy period. We emphasize the importance of continuity and can discuss extended reporting (tail) options when policies are canceled or not renewed. Underwriting Notes Each submission is evaluated on company size, payroll and employee count, industry class, HR practices, and prior loss activity. Our underwriters are experienced with diverse risk profiles and can recommend limits, retention options, and endorsements to fit client needs. Some EPLI programs are available on an admitted basis in select states, including California; non-admitted options are available where appropriate. Territories and Availability Currently this program is available in California. Contact Professional Insurance Associates, Inc. to discuss availability for multi-state operations or to explore admitted vs. non-admitted placements for out-of-state risks. Why Work With Professional Insurance Associates, Inc.? As an aggregator focused on commercial lines, Professional Insurance Associates, Inc. gives agents efficient access to multiple EPLI markets and underwriting teams. We combine hands-on placement support with market access that helps you place accounts that may be difficult to bind elsewhere. Our team can assist with submission strategy, appropriate limit selection, and loss-control suggestions to improve acceptability. Example scenarios that typically fit this program: A regional retail owner with 30 employees seeking stand-alone EPLI limits and HR best-practice endorsements. A small construction firm with 75 employees needing an EPLI endorsement to a BOP and guidance on aggregator markets for difficult classes. Whether you’re placing a single-location employer or a growing regional business, Professional Insurance Associates, Inc. can help you find an EPLI solution that aligns with the client’s exposures and budget. Need help placing an account? Connect with a market specialist. Frequently Asked Questions What types of accounts are a good fit for this EPLI program?This program works well for construction, retail, professional services, hospitality, and financial institution accounts. Both small employers and mid-sized businesses are within our appetite, subject to underwriting review. Can EPLI be written as a stand-alone policy?Yes. EPLI can be issued as a stand-alone policy or added as an endorsement to a BOP or General Liability policy depending on the client’s needs and how you prefer to package the risk. Is this program available outside of California?At present the program is available in California. Contact us to discuss multi-state operations or to explore admitted and non-admitted market placements for other states. What claims are typically covered by EPLI?Covered claims commonly include wrongful termination, discrimination, harassment, retaliation, failure to promote, negligent evaluation, and other employment-related allegations. Do you offer admitted coverage?Some EPLI options are available on an admitted basis in select states, including California. Our team can help determine the best admitted or non-admitted approach for a particular account.

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Expertise. Solution. Service. Comprehensive Personal Liability Coverage Through MAXIMUM MAXIMUM offers a robust Comprehensive Personal Liability program designed to help agents place personal liability protection for a wide range of individual and entity exposures. As a wholesale broker with deep underwriting experience and nationwide market access, MAXIMUM provides flexible admitted solutions for owner-occupied and rental residential properties, vacant land, and high-net-worth individuals. Agents and brokers benefit from responsive service, focused underwriting, and carrier relationships across most admitted states. Ideal Accounts and Appetite This program fits many personal liability risks, including: Owners of 1–4 family dwellings, condo units, and mobile homes — owner-occupied or rented Tenants of multi-unit dwellings or mobile homes Secondary and seasonal residences, including short-term rental properties Dwellings under construction or renovation (when the applicant is not the general contractor) Vacant dwellings listed for sale or undergoing renovation Vacant land up to 250 acres Properties with swimming pools (subject to underwriting criteria) Entities such as trusts, LLCs, family partnerships, and estates held for personal investment The program accepts accounts with up to 15 locations and will consider risks with one liability loss under $10,000 in the prior three years. It is also positioned to support high-profile and high-net-worth individuals requiring tailored liability protection. Coverage Highlights and Advantages MAXIMUM’s Comprehensive Personal Liability program is structured to offer broad protection and practical features that help reduce placement friction for agents: Liability limits available up to $1 million Personal injury coverage included up to the full liability limit $5,000 medical payments included on all risks Defense costs paid outside the liability limit Dog liability included for most breeds (breed-specific restrictions may apply) Host liquor liability included where appropriate Third-party water damage coverage Pre- and post-judgment interest covered Unlimited additional insureds at no extra charge No policy deductibles Insureds also gain access to Business Solution Vendors offering HR services, identity-theft protection, tenant screening, and motor vehicle reports — practical risk-management additions that agents can offer their clients. Ineligibility and Underwriting Considerations To keep suitable risk profiles, the program excludes certain exposures, including: Farms and agricultural operations Applicants with felony convictions Houseboats and properties leased primarily for recreational use (e.g., hunting/fishing) Model homes, student housing, and subsidized housing Assisted living or group-home facilities (limited exceptions for single-occupancy apartments) Vacant land with docks Corporations engaged in non-residential investment activities Risks located in Alaska, Louisiana, or West Virginia Availability and specific terms vary by carrier and jurisdiction. Provide complete loss history and property details to speed underwriting and placement. Territories and Availability The program is offered on an admitted basis in most available states, including large markets such as CA, FL, TX, NY, IL, and GA. It is not available in AK, LA, or WV. MAXIMUM works with appointed agents in admitted markets and can discuss state-by-state placement options during submission. Why Work With MAXIMUM? MAXIMUM combines wholesale market access, technical underwriting, and high-touch broker service to help agents place challenging personal liability risks. We focus on practical solutions, quick responsiveness, and leveraging admitted markets to give clients regulatory advantages where possible. Whether you have a client with multiple seasonal rentals, a high-net-worth individual, or an entity holding residential investments, MAXIMUM can evaluate the account and propose tailored admitted options. We settle for nothing less than the best choices for our clients, and we put no limit on what we can do for your client's Comprehensive Personal Liability Insurance needs. Please reach out to us today by phone or email with any questions and to discuss how we can assist in this process. Frequently Asked Questions What types of accounts are a good fit for MAXIMUM’s Comprehensive Personal Liability program?This program is ideal for owners or tenants of residential properties (1–4 family dwellings, condos, mobile homes), vacant land, short-term rentals, and high-net-worth individuals. Trusts and LLCs used for personal investments are also eligible. Does the program cover properties with swimming pools or dogs?Yes. Most dog breeds are eligible and swimming pools can be insured, though certain high-risk pool features (unfenced pools, diving boards over 4 feet, waterslides) may be excluded or subject to additional underwriting. Can this program cover multiple properties under one policy?Yes. The program accepts up to 15 residential locations under a single account, making it suitable for clients with several investment or seasonal properties. Is this coverage available on an admitted basis?Yes. MAXIMUM offers admitted placements in most available states, which provides standard regulatory protections and often smoother handling for clients. What types of risks are not eligible for this program?Ineligible risks include farms, properties leased for recreational use, student housing, houseboats, assisted living facilities (except limited single-occupancy situations), and risks located in AK, LA, or WV. Need help placing an account? Connect with a market specialist.

Businesses in the Energy sector face complex, evolving risks that require tailored insurance solutions. Worldwide Facilities, LLC offers a dedicated Energy program built to address exposures across traditional and renewable energy industries. Whether your client operates in oil & gas, mining, wind, solar, or biofuels, our Energy team provides brokers with access to specialized markets and experienced underwriters. Our non-admitted program is available nationwide and supports a wide range of energy operations—from upstream oil and gas contractors to alternative energy producers. We understand the environmental, operational, and equipment-related risks your clients face. With deep industry knowledge and a broad underwriting appetite, Worldwide Facilities helps you place customized solutions to protect your clients’ assets and operations. Target Classes and Ideal Accounts This program is designed for a broad spectrum of energy operations, including: Oil & Gas lease operators Drilling, cementing, and perforating contractors Oil well and refinery service contractors Pipeline, electrical, and cleaning/swabbing contractors Fuel and hazardous material haulers Mining operations Energy industry consultants and technical service providers Alternative and renewable energy providers (wind, solar, geothermal, biomass, hydroelectric) Biodiesel, ethanol, and biofuel processing and distribution We have particular strength placing accounts that combine traditional and renewable operations or include complex service and transportation components. For example, you might have a client who performs oil well servicing and also installs solar arrays on reclaimed sites — we can help assemble a tailored package that addresses both sides of that operation. Coverage Highlights and Program Advantages The Energy program addresses the full range of exposures your insureds may encounter, including: General Liability and Excess Liability Property and Inland Marine for tools, rigs, and heavy equipment Environmental / Pollution Liability Auto and transportation-related coverages for haulers and service fleets Professional Liability for consultants and technical service providers We leverage a broad network of carriers and specialty markets to craft solutions that fit a client’s specific risks, operations, and geographic footprint. Underwriting Considerations All submissions are reviewed by underwriting. There is no stated minimum premium, but accounts should demonstrate strong safety programs, clear operational details, and a solid loss history where possible. Provide detailed operational descriptions, safety protocols, and loss runs to improve placement outcomes. We also welcome complex or hard-to-place risks that fall outside standard market appetites. Available Nationwide This program is offered on a non-admitted basis in all 50 states and Washington, D.C. Worldwide Facilities works with brokers across the country to place energy risks regardless of region or scale. Why Work With Worldwide Facilities? As a leading wholesale broker with deep Energy-sector expertise, Worldwide Facilities gives you fast access to specialized markets and underwriting insight. Our Energy team understands the operational, environmental, and fleet exposures common to this sector and works collaboratively with brokers to deliver flexible, competitive solutions. We assist from initial submission through binding and provide market access for complex, mixed operations. Visit us online for additional information. Contact Loren Henry, Broker (619) 541-4265 | [email protected] Frequently Asked Questions What types of accounts are a good fit for this Energy program?This program is well suited for oil & gas operators, service and drilling contractors, renewable energy providers, energy consultants, fuel or hazardous material haulers, and mixed-operation accounts that combine traditional and alternative energy work. Is the program available nationwide?Yes. The program is offered on a non-admitted basis in all 50 states and Washington, D.C. Can you handle hybrid operations that include both traditional and renewable energy?Yes. We routinely tailor coverage for clients whose operations span both traditional and renewable energy sectors, including combined service, installation, and transportation exposures. What information do you need to obtain a quote?Provide detailed operational descriptions, safety and loss-prevention programs, equipment lists, fleet information, and loss history. The more complete the submission, the faster we can evaluate and place the risk. Who can I contact to discuss a specific submission?Contact Loren Henry, Broker, at (619) 541-4265 or [email protected] to discuss account specifics and submission requirements. Need help placing an account? Connect with a market specialist.

Education Insurance Services (EIS) provides tailored insurance solutions designed specifically for faith-based K-12 schools, colleges, and universities. These institutions face unique exposures due to their religious affiliations, specialized operations, and community-focused missions. EIS’s Faith-Based Schools and Colleges Insurance Program offers comprehensive protection crafted with these risks in mind. Ideal Accounts and Appetite This program is an excellent fit for private religious schools, seminaries, and faith-affiliated higher education institutions. Whether you're working with a small parochial school or a multi-campus university, EIS can address their operational exposures. Examples of ideal accounts include: Faith-based K-12 schools with on-site worship facilities Religious colleges with international study programs Private seminaries with specialized faculty and property needs EIS works closely with agents and brokers to assess each institution’s unique characteristics and match them with appropriate coverage. Coverage Highlights and Advantages EIS offers a complete suite of coverages to protect both physical assets and institutional reputation. Available coverages include: Commercial property, including loss of income Crime and inland marine Commercial automobile Primary and excess general liability Educators legal liability Fiduciary liability Workers’ compensation Cyber/privacy liability tailored for educational institutions Global package for schools with international exposure Additional specialty coverages, such as builders’ risk and customized endorsements, may also be available upon request. Why Choose EIS? Education Insurance Services was created to give smaller and mid-sized educational institutions access to high-quality insurance solutions and claims expertise often reserved for larger organizations. With a dedicated focus on educational risk, EIS understands the importance of protecting an institution’s mission and reputation. Specialty offerings like cyber liability and global packages are designed to address the evolving risks in today’s educational landscape. Agents benefit from working directly with a team that understands the nuances of religious education and provides personalized service. Territories and Market Access EIS offers this program across a wide range of states, including AL, AK, AZ, AR, CA, CO, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, MD, MI, MN, MS, MO, MT, NE, NV, NJ, NM, NC, ND, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, WA, DC, WV, WI, and WY. Coverage is written through all available markets, and EIS serves as a Managing General Agency (MGA), giving you streamlined access to reliable carriers. Download our faith-based coverage summary for future reference. For more information, contact Wendell Smith at 240-630-6793. CA Ins. Lic. # OK19724 Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for faith-based K-12 schools, religious colleges, seminaries, and universities with specialized risks related to religious affiliation and educational operations. Is cyber liability included in the coverage?Yes, a cyber/privacy liability package tailored specifically for educational institutions is available as part of the program. Can international exposures be covered?Yes, a global package is available to address the needs of schools and colleges with international programs or overseas operations. Which states is this program available in?The program is available in most U.S. states, including CA, TX, FL, NY, and many others. Please refer to the full list above or contact EIS for specific state availability. Who do I contact to discuss a submission?You can contact Wendell Smith at 240-630-6793 to discuss client needs or obtain more information on submitting an account. Need help placing an account? Connect with a market specialist.

Let the experts at Entertainment Pro Insurance help you place Faulty Stock and Camera Insurance for your production clients. Comprehensive Camera Insurance Program for Entertainment Professionals Entertainment Pro Insurance provides a specialized Camera Insurance program designed for film, television, music and live-event professionals. As a wholesale broker focused on entertainment risks, we help agents access markets and structure policies that protect high-value camera equipment, raw and exposed media, and post-production assets from unexpected loss. Ideal Accounts and Appetite This program is a fit for a wide range of entertainment accounts, including: Motion picture and television production companies Commercial and independent filmmakers Theatrical and live event producers Broadcast and music production teams Videographers and content creators If your client relies on high-value camera bodies, lenses, film/tape stock or unique recorded media, this program is intended to meet those needs. Typical placements include single-project policies, short-term shoots, and annual equipment packages depending on underwriting. Coverage Highlights and Advantages The Faulty Stock, Camera, and Processing coverage addresses exposures unique to production and media handling. Key coverages include: Loss, damage or destruction of raw film, tape stock and digital media Protection for exposed film — developed or undeveloped — and recorded videotape Coverage for soundtracks, audio tapes and recorded audio Loss from fogging, defective materials, processing errors or faulty equipment Accidental erasure or damage during editing, development or post-production These features are geared to protect content that is often irreplaceable and to address the chain-of-custody risks common in production workflows. Underwriting Notes and Minimum Premiums Entertainment Pro Insurance works with multiple carriers across available markets (admitted and non-admitted where appropriate), giving you flexibility when placing accounts. Minimum premiums vary by carrier and depend on factors such as total equipment values, type and length of production, on-location exposures, and the nature of the media being recorded or processed. Example accounts that often place well: An independent filmmaker renting high-end camera packages for a two-week shoot who needs coverage for camera bodies, lenses and exposed film. A broadcast crew covering live events needing short-term protection for videotape, audio recorders and on-site processing risk. For complex or high-value schedules, provide detailed equipment lists, production schedules, and any transit or storage arrangements to optimize market placement. Territories and Availability This Camera Insurance program is available nationwide, including all 50 states and Washington, DC, with placement capability in key production hubs such as California, New York, Georgia and Florida. See our company profile for state-specific market availability. Why Work With Entertainment Pro Insurance? As a wholesale broker specializing in entertainment, Entertainment Pro Insurance offers agents targeted access to niche markets and tailored policy language. Our underwriters understand production timelines, equipment schedules, and the value of recorded media — which helps deliver faster turnarounds and coverage terms that general markets may not offer. For more information about Faulty Stock and Camera Insurance or to discuss a submission, contact Entertainment Pro Insurance today. Motion Picture, Television, Theatrical, Music, Broadcasting and Special Events Frequently Asked Questions What types of accounts are a good fit for this Camera Insurance program?This program is ideal for film and television production companies, live event organizers, music producers, and independent filmmakers who rely on camera and media equipment for their work. What does the Faulty Stock coverage include?It includes coverage for loss or damage to raw or exposed film, recorded media, and sound equipment due to fogging, faulty materials, camera malfunction, bad processing, or accidental erasure. Is this program available in all states?Yes, Entertainment Pro Insurance offers this program in all 50 states and Washington, DC, through multiple markets. Can I get coverage for a single project or short-term production?Yes. Short-term productions and single-project policies are available depending on underwriting criteria. Contact Entertainment Pro Insurance to discuss your client’s specific needs and schedule. What information is needed to get a quote?You’ll typically need equipment descriptions and values, production type and schedule, locations, and details on film/tape handling or post-production processes. Entertainment Pro’s team can guide you through the submission checklist. Need help placing an account? Connect with a market specialist.

Are you an agent placing coverage for a neighborhood hardware store, lumber & millwork supplier, or small contractor-supply retailer? American Lumber Underwriters offers a dedicated Hardware Store Insurance program designed for independent hardware and supply retailers that serve both retail customers and contractors. Our program combines multiple lines of coverage and flexible underwriting through our position as the Managing General Underwriter for five admitted carriers. Program Overview — American Lumber Underwriters This program is built for hardware stores with multiple specialty departments (paint matching, keys, power-tool repair, lumber cutting, special orders, etc.). We package General Liability, Property, Workers’ Compensation, Business Owners Policy (BOP), Professional Liability, Auto Liability and Umbrella coverage to produce broad, practical protection for everyday exposures your clients face. Common services and departments Computer paint matching Keys duplicated / locks re-keyed Power tool service and repair Pipe cutting and threading Cutting and ripping lumber Special orders and contractor supplies Ideal Accounts and Appetite Independent hardware stores, small regional chains, and lumber & building supply retailers. Stores that serve both walk-in retail customers and local contractors (e.g., rental/repair benches, lumber cutting services). Small-to-mid-size operations with on-site services (tool repair, cutting/threading) and limited hazardous operations. Not a fit: large national “big-box” chains, heavy manufacturing, or accounts with large-scale fuel dispensing, full-service equipment rental fleets, or extensive on-site manufacturing. For borderline or higher-hazard risks, contact underwriting for pre-submission review. Coverage Highlights and Advantages Multi-line solutions — place GL, Property, WC, BOP, Auto, Professional Liability and Umbrella together for coordinated limits and consistent service. Underwriting flexibility — as the MGA for five admitted carriers, American Lumber Underwriters can tailor program structures across carriers to meet complex needs. Industry expertise — underwriters understand retail exposures specific to hardware stores: slip-and-fall, product and operations exposures tied to tool repair and lumber services, employee injuries in cutting and repair departments, and delivery/auto exposures. Practical endorsements and options — available endorsements and extensions to reflect typical hardware-store operations (discuss options with underwriting). Underwriting Notes and Minimum Premiums Underwriting focuses on size of the operation, revenue mix (retail vs. contractor sales), onsite services (repair benches, woodworking, chemical storage), and loss history. Please submit details on annual sales by class, payroll, list of onsite services, building construction and protection class, and a current loss run for the past 3–5 years. If you need minimum premium or specific binding requirements, contact our underwriting team — they can provide state-specific minimums and appetite guidance prior to submission. 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. For states not listed or for out-of-state placements, contact underwriting for options. Why Place Hardware Store Business with American Lumber Underwriters Managing General Underwriter with direct access to five admitted carriers — greater flexibility to match coverages and pricing to account-specific risks. Dedicated underwriting expertise for lumber, building materials and hardware retail operations. Streamlined submission process and responsive service to help you bind accounts and service renewals efficiently. To learn more about the Hardware Store Insurance program or to request a quote, please give us a call today or send us an email. Frequently Asked Questions What types of hardware accounts are a good fit for this program?Independent hardware stores, lumber & building supply retailers and small regional chains that provide retail sales plus contractor services (e.g., lumber cutting, tool repair, special orders) are an ideal fit. The program favors small to mid-size operations without large-scale fueling or heavy manufacturing on-site. Which coverages can I place through American Lumber Underwriters for a hardware store?You can place General Liability, Property, Workers’ Compensation, Business Owners Policy, Professional Liability, Auto Liability and Umbrella through this program. Underwriting can discuss additional endorsements relevant to hardware operations during the submission. What information does underwriting need with a submission?Provide a detailed submission including annual sales by class, payroll, description of on-site services (repair benches, cutting/threading, hazardous materials storage), building construction and protection details, and current loss runs. Photos and a list of subcontracted services are helpful for faster review. Are there states where this program is not available?The program is available in the states listed above. If you have an account outside those states or a unique risk profile, contact underwriting to explore options or alternative carrier capacity. How do I find out minimum premium or binding requirements?Minimum premium and specific binding requirements vary by state and carrier. Please contact American Lumber Underwriters’ underwriting team for state-specific minimums and quote thresholds before submission. Need help placing an account? Connect with a market specialist.

MCGOWAN, DONNELLY & OBERHEU, LLC Accountants Professional Liability Insurance Overview of the Program from The McGowan Companies The McGowan Companies places Accountants Professional Liability Insurance through its wholesale brokerage relationship with MCGOWAN, DONNELLY & OBERHEU, LLC. This program is designed to help independent agents place hard-to-place CPA and accounting firms that need professional and management liability protection. Coverage options include primary and excess limits placed with a variety of admitted and non-admitted carriers, depending on the risk. Ideal Accounts and Appetite Target classes: small to mid-size CPA firms, tax preparers, bookkeepers and specialty accounting practices that are hard to place in standard markets. Good fits: firms with prior claims history that is manageable, firms with unusual service mixes (for example, payroll, bookkeeping and tax prep together), and practices seeking layered or excess capacity. Typically limited appetite: large national firms, firms with ongoing regulatory investigations, firms with multiple severe or recent malpractice judgments that are unresolved. Coverage Highlights and Advantages Products offered: Professional & Management Liability tailored for accounting professionals. Limits: Primary and excess limits are available to match client needs and to provide layered protection where required. Carrier access: Carriers vary by submission — McGowan’s wholesale placement leverages multiple markets to find capacity and terms for harder-to-place accounts. Flexible placements: Ability to consider admitted or non-admitted options in most states to help secure coverage when standard markets decline. Underwriting Notes Underwriters focus on scope of services, firm controls, engagement letters, fee concentration, prior claim history and client industries. When submitting, include a current application, prior acts and claims details, sample engagement letters and loss runs if available. Complex or higher-exposure accounts may require supplemental information, risk management controls, and consideration for higher retentions or tiered limits. Minimum premiums and retentions are determined by carrier appetite and proposed limits. Please expect variation by state and market; discuss specific program minimums with your McGowan wholesale underwriter when preparing a submission. Territories and Availability This program is available in most states. Specific availability includes: 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 availability varies by carrier; non-admitted options may be used where appropriate. Why Work with The McGowan Companies on This Business Wholesale broker expertise: McGowan provides access to multiple carriers and specialized appetite for accountants’ professional liability risks. Placement flexibility: Ability to pursue both primary and excess layers and to tailor solutions for firms with non-standard exposures. Support for difficult accounts: Strong track record placing hard-to-place firms that need customized terms or markets outside standard schedules. Examples of Typical Accounts You have a regional CPA practice that combines tax, bookkeeping and payroll services and has one prior closed claim — this program can help secure primary limits and offer excess capacity. You represent a bookkeeping firm with concentrated revenue from a single industry and limited malpractice history — the program can evaluate and structure terms to address fee concentration exposure. Products: Professional & Management Liability Eligible Classes: Hard to Place Firms Limits: Primary & Excess Available Carriers: Varies Provider: Wholesale Broker (The McGowan Companies / MCGOWAN, DONNELLY & OBERHEU, LLC) For more information on Accountants Professional Liability Insurance, please contact us to discuss submissions, appetite, and current market capacity. Frequently Asked Questions What types of accountants’ firms are best suited for this program?Firms that are hard to place in standard markets — small to mid-size CPA firms, tax preparers, bookkeeping practices and mixed-service firms — are the primary targets. The program is designed to consider accounts with nonstandard service mixes or manageable prior claims. Are admitted paper and excess limits available?Yes. This program can place both admitted and non-admitted options, and primary and excess limits are available depending on carrier appetite and state availability. What information should I include with a submission?Include a current application, description of services, engagement letter samples, prior loss runs, and details on any prior or pending claims. Clear documentation of controls and revenue concentration helps underwriters evaluate the risk. Need help placing an account? Connect with a market specialist.