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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.

Expertise. Solution. Service. High-Risk Personal Umbrella Coverage from MAXIMUM When standard umbrella markets decline, MAXIMUM provides a solution. Our Personal Umbrella – High Risk program is built specifically for challenging personal-lines exposures that fall outside typical underwriting guidelines. Whether you’re placing households with multiple drivers, high-value assets, or complex claims histories, MAXIMUM gives you the underwriting flexibility and excess liability limits to deliver reliable protection. Ideal Accounts and Appetite This program is designed for accounts that don’t fit into preferred umbrella markets. We welcome: • Households with youthful operators under 23 or older drivers over age 85 • Unlimited drivers, autos, RVs, and watercraft (watercraft up to 75 ft. or 50 mph) • Risks with open claims or significant claim histories (including single claims over $50,000) • Households with up to 10 moving violations or 5 at-fault accidents in the last three years* • One drug- or alcohol-related offense in the past five years* *Eligibility depends on total incidents per driver Typical fits include families with multiple teenage drivers, boat owners with prior claims, and retired clients with older recreational vehicles and complex driving histories. Coverage Highlights and Advantages MAXIMUM’s high-risk umbrella offers broad protection and several market advantages: • Limits available up to $5 million (subject to state and risk conditions) • Dollar-one coverage for non-owned RVs and watercraft (under 26’ and under 301 HP) • Dollar-one coverage for non-owned autos used outside the U.S. • Expanded bodily injury definition that includes mental anguish, humiliation, and shock • No self-insured retention and no policy deductibles • Defense costs paid outside the policy limits • Pre- and post-judgment interest included • Personal injury included if provided on the primary; buyback available if excluded • Multiple additional insureds allowed at no extra cost Insureds also gain access to value-added Business Solution Vendors such as: Human resources services Pre-employment and tenant screenings Identity-theft protection Motor vehicle reports Underwriting Notes and Minimum Requirements To qualify, accounts must meet minimum underlying limits and other requirements: • $300,000 personal liability on homeowners or equivalent • $500/$500/$100 or $500,000 CSL for autos and watercraft • $250/$500/$100 or $300,000 CSL for recreational vehicles • Operators age 90+ require $1,000,000/$1,000,000/$100,000 or $1,000,000 CSL Ineligible risks include: • Risks titled in a corporation’s name • Underlying policies written on a commercial form (except business autos) • More than one major violation in the household • Households with both a DUI driver over age 22 and a youthful operator • Primary residences in AK, LA, or WV Territories and Availability The program is available in most states, including AL, AZ, CA, CO, FL, IL, NY, TX and others. Specific underwriting limitations apply in certain states: • $1 million maximum limit in AL, MS, NH, and VT • $1 million maximum for FL risks with youthful operators • $1 million maximum for CT and ME risks with rental properties built before 1978 Why Work with MAXIMUM MAXIMUM is a wholesale broker with deep expertise in tough-to-place personal-lines risks. Our underwriters move quickly and apply flexible, disciplined underwriting to secure the best available excess solutions for difficult accounts. We focus on service, timely response, and pragmatic solutions when your client’s needs extend beyond standard market appetite. When standard markets won't bind, MAXIMUM helps you place High Risk Personal Umbrella Insurance with appropriate limits and policy features. Reach out today by phone or email to discuss an account or request a quote. 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 this program?This program fits households with youthful or elderly drivers, multiple vehicles or recreational units, or a history of claims or violations that make them ineligible for standard umbrella markets. What is the maximum umbrella limit available?The maximum limit available is $5 million, though certain states and specific risk profiles may limit capacity to $1 million. Are households with DUI convictions eligible?Households with one drug- or alcohol-related offense in the past five years may be eligible. Drivers with more than one major violation or a DUI combined with a youthful operator in the same household are typically ineligible. What underlying coverages are required?Underlying limits typically include $300,000 personal liability and $500/$500/$100 or $500,000 CSL for autos and watercraft. Recreational vehicles require lower underlying limits as noted in underwriting minimums. Is this program available in all states?The program is available in most states, but not in AK, LA, or WV. Certain states have specific underwriting restrictions or maximum limits—confirm availability early in the submission process. 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.

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.

Worldwide Facilities, LLC offers a comprehensive Cyber Liability Insurance program designed to help insurance agents and brokers place accounts of all sizes and industries. Leveraging our consultative approach, broad market access, and deep understanding of evolving cyber exposures, we can tailor custom solutions that address your client’s specific risks. As a Managing General Agency and Excess & Surplus Lines Broker, we work with a variety of carriers to provide flexible cyber liability coverage options across most available markets. Whether your client is a large enterprise, a mid-sized firm, or a small business, if they utilize computer systems, store sensitive data, or rely on internet connectivity, they are exposed to cyber threats — and we can help you place the right protection. Visit us online for more information. Ideal Accounts and Target Classes This program is suitable for virtually any business that uses digital systems or the internet. Target classes include, but are not limited to: Healthcare providers and medical offices Retailers and e-commerce businesses Financial institutions and service providers Educational institutions and online learning platforms Professional services firms (law, accounting, consulting) Manufacturers and logistics companies with networked systems You might have a client who operates a regional law firm managing sensitive client data, or a retail chain with point-of-sale systems across multiple locations — both would be strong fits for this program. Coverage Highlights Our cyber liability offerings are expansive and can be customized to meet the specific exposures facing your insureds. Available coverage features include: Network Security and Privacy Liability Online Media Liability Breach Response Costs Data Restoration Expenses Business Interruption and Income Replacement Extortion and Cyber Crime Coverage Phishing and Social Engineering Protection Reputational Harm and Crisis Management Support Computer Forensics and Identity Monitoring Notification and Credit Monitoring Expenses Funds Transfer Fraud and Invoice Manipulation Dependent System Failure and Equipment Replacement Underwriting Notes We take a consultative approach to underwriting, ensuring that each policy is individually crafted to suit your client’s risk profile. With access to multiple markets, including both admitted and non-admitted options, we can offer flexibility in coverage terms and pricing. Most markets are available on a non-admitted basis. Territories and Availability This cyber liability program is available in nearly all 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, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, and WY. Why Work with Worldwide Facilities? At Worldwide Facilities, our team of cyber liability experts brings extensive knowledge of the market and carrier appetites, enabling faster placements and smarter solutions. Our access to a wide range of carriers — combined with our ability to customize policies for your clients’ unique risks — makes us a valuable partner in the fast-changing world of cyber insurance. For more information or to discuss a specific risk, contact: Matt Donovan Senior Vice President [email protected] (678) 502-1278 Frequently Asked Questions What types of accounts are a good fit for this program?Any business that uses computer systems, stores sensitive data, or relies on internet connectivity is a potential fit — including healthcare, retail, financial services, and professional firms. Can this program handle small businesses as well as large enterprises?Yes. Worldwide Facilities can tailor policies for businesses of all sizes, from small local operations to large multi-location companies. What coverages are included in the cyber liability program?The program offers customizable options including breach response, business interruption, extortion, phishing, social engineering, and more. Are coverages available in all states?Yes, the program is available in most U.S. states, including the District of Columbia. How do I submit a risk or get a quote?You can contact Matt Donovan directly to discuss your submission and available markets. Worldwide Facilities offers a consultative approach to help you place the right coverage. Need help placing an account? Connect with a market specialist.

Allstar Financial Group, through its divisions Allstar Transportation and Allstar Underwriters, offers a dedicated Trucking Insurance program tailored to the commercial trucking industry. With access to carriers such as Stonewood Insurance Company and Occidental Fire & Casualty Insurance Company, agents can place a range of trucking risks across key Southeast states with confidence. Ideal Accounts and Appetite This program is built for agents writing small to mid-sized trucking operations, including local and regional haulers. Typical accounts that fit well include: Long-haul and short-haul trucking operations For-hire carriers and owner-operators Fleets of 1 to 20 power units Operations hauling general freight, refrigerated goods, flatbeds, or autos For example, you might have a client who runs a small flatbed fleet moving building materials throughout North Carolina, or an owner-operator in Tennessee hauling refrigerated loads regionally. Those are the kinds of risks Allstar routinely places. Coverage Highlights and Advantages Primary Auto Liability Motor Truck Cargo Physical Damage (comprehensive & collision) General Liability and Excess Liability options Responsive underwriting and quick quote turnaround Allstar’s Trucking program combines practical coverages with a streamlined quoting process, competitive commissions, and underwriting that understands the operational realities of trucking. That makes it easier for you to get timely decisions and place appropriate limits for your clients. Underwriting Notes and Minimum Premiums There is no stated minimum premium, which keeps the program accessible for smaller or newer operations. Allstar prioritizes submissions with clean MVRs, consistent operating history, documented safety programs, and proper vehicle maintenance records. Underwriters are available to discuss exposures and structure terms to match the account’s risk profile. Territories and Availability This Trucking Insurance program is available in the following states: North CarolinaVirginiaTennessee All available markets are supported, so you can place either admitted or non-admitted business where appropriate based on the state and the specific risk. Why Work With Allstar Financial Group As a Managing General Agency and Excess & Surplus Lines Broker, Allstar Financial Group brings deep transportation expertise and strong carrier relationships to each placement. The team understands trucking timelines and the need for quick, accurate responses—helping you close business and keep clients moving. Contact Casey or Tina today to discuss your next trucking risk—and experience the Allstar difference. Frequently Asked Questions What types of accounts are a good fit for this program?The program is well suited to small and mid-sized trucking operations, including owner-operators, for-hire carriers, and local or regional haulers transporting building materials, refrigerated goods, autos, or general freight. Is there a minimum premium requirement?No—there is no stated minimum premium, making it easier to write smaller or newer trucking operations. Which states is this program available in?This Trucking Insurance program is currently available in North Carolina, Virginia, and Tennessee. What coverages are available through this trucking program?Available coverages include Auto Liability, Motor Truck Cargo, Physical Damage, General Liability, and Excess Liability options. Who are the carriers backing this program?The program is backed by Stonewood Insurance Company and Occidental Fire & Casualty Insurance Company. Need help placing an account? Connect with a market specialist.

IPMG's Employee Benefits Insurance Services division is a full-service third-party administrator (TPA) specializing in self-funded employee benefits plans. Our mission is simple: to deliver cost-effective solutions that protect your client’s bottom line without compromising the quality of care or service. As an agent or broker working with self-funded employers, you know how critical it is to partner with a TPA that brings real value. At IPMG, we combine deep industry knowledge, in-house expertise, and innovative cost containment strategies to help you deliver measurable results to your clients. Our focus is not only on managing claims efficiently but also on maintaining high participant satisfaction throughout the process. Ideal Accounts and Appetite We work with agents and brokers who serve mid-sized to large employers looking to self-fund their group health and ancillary benefits. Ideal accounts include companies seeking greater control over plan design and cost savings through strategic claims management and proactive health services. Examples of strong-fit clients include: A manufacturing firm in Illinois with 150 employees interested in reducing rising group health insurance premiums through a self-funded model. A multi-location Missouri-based employer seeking a TPA with in-house nurse case management and COBRA administration. Coverage Highlights and Advantages IPMG’s Employee Benefits Insurance Services division delivers comprehensive administrative solutions, including: Medical and Dental Claims Administration Vision Claims Administration Excess/Stop Loss Insurance Placement COBRA Administration Utilization Review and Nurse Case Management Cafeteria 125 Flex Plans Health Management Services Customized reporting and analytics Our integrated approach ensures that every claim is handled with a focus on cost containment and participant satisfaction. We bring clarity to complex benefit structures and help employers manage risk more effectively. Underwriting Notes and Minimum Premiums Our solutions are tailored to fit the unique needs of self-funded employers. While minimum premium requirements may vary based on the size and complexity of the group, we offer flexible plan designs and administrative models. Contact us to discuss specific account opportunities and underwriting considerations. Territories and Availability This program is currently available in Illinois and Missouri. We are actively supporting agents and brokers in these states with dedicated regional expertise and responsive service. Why Work With IPMG? As a trusted Program Administrator, IPMG brings more than just administrative services—we deliver strategic partnership. Our experienced in-house team supports your efforts with: Proven cost containment strategies Efficient claims processing and reporting Comprehensive suite of employee benefits services Personalized support for agents and their clients Whether you're working with a client transitioning to self-funding or looking to enhance their current TPA services, IPMG is ready to help you deliver results. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for mid-sized to large employers in Illinois and Missouri who are interested in self-funded employee benefits solutions. What services are included in the employee benefits program?Services include medical, dental, and vision claims administration, stop-loss placement, COBRA administration, utilization review, nurse case management, and more. Can IPMG help place stop-loss coverage?Yes, IPMG provides excess/stop-loss insurance placement as part of our comprehensive TPA services. Is there a minimum group size to qualify?Minimum group size requirements can vary depending on plan design and underwriting considerations. Contact us to discuss specific cases. Which states is this program available in?This program is currently available in Illinois and Missouri. Need help placing an account? Connect with a market specialist.

Looking to place more personal-care accounts with confidence? Cochrane & Company offers a focused Beauty Shop and Barber Shop Insurance program built for agents who need reliable, market-ready solutions for salons, barbershops, and individual personal-care professionals. Written through specialty carriers (A+ XV by A.M. Best where available) on a non-admitted basis, this program delivers flexible liability and property options to protect common exposures in the beauty and grooming industries. Ideal Accounts and Eligible Classes This program fits a wide range of personal-care risks, including: Beauty salons and shops Barber shops Independent operators and booth renters Masseuses and massage providers Manicurists and nail technicians Ear-piercing technicians Makeup artists Facial and skin-care providers Whether you have a boutique salon, a solo esthetician, or a multi-chair barbershop, this program scales to match the size and service mix of the account. Coverage Highlights and Advantages Cochrane & Company’s program combines broad liability protection with property and specialty coverages tailored to personal-care operations: Primary liability limits up to $3 million occurrence/aggregate Hired & non-owned auto liability available Included coverages: Errors & omissions (professional liability) — included to policy limits Independent contractors can be added as additional insureds Sexual and/or physical abuse coverage — $50,000 per claim / $100,000 aggregate, with optional higher limits Medical payments — $5,000 Excess/umbrella limits up to $25 million Property and Ancillary Coverages Property protection addresses common exposures for salons and shops: Building and business personal property Business income and extra expense Basic, broad, or special form available Replacement cost or actual cash value valuation Inland marine and equipment breakdown (for salon equipment) Accounts receivable, computer equipment, outside signs, and valuable papers Deductible: No deductible required for this program. Crime coverage: Available for inside and outside the premises. Underwriting Notes and Minimum Premiums Underwriting is handled by experienced underwriters who understand the nuances of personal-care risks. Minimum premium and rate depend on the account’s size, revenue, services offered, and state filing requirements. Typical considerations that affect placement include: Services performed (e.g., advanced cosmetic procedures vs. standard hair or nail services) Number of chairs/operators and payroll/exposure size Prior claims history and risk control measures Whether independent contractors are on-site and how they are managed Minimum premiums vary; contact a Cochrane & Company market specialist to discuss specific account thresholds and appetite. Territories and Availability This program is available on a non-admitted basis in AK, CA, ID, MT, NV, NM, ND, OR, WA, and WY. Availability may vary by carrier and the specific risk profile—confirm state eligibility when submitting business. Why Work With Cochrane & Company? Cochrane & Company is a managing general agency with deep niche expertise in small commercial and specialty risks. Agents benefit from: Access to specialty carriers (including A+ XV-rated markets where available) Underwriters experienced with personal-care and grooming exposures Flexible limits and packaged solutions that address both liability and property needs Options for adding independent contractors and handling sensitive exposures (e.g., sexual/physical abuse coverage) Example placements: You might have a client who runs a multi-chair salon offering color, cuts, and facials seeking combined liability/property protection with E&O included; or a solo barber who rents a booth and needs a primary liability policy with hired/non-owned auto and equipment coverages. Both are the types of accounts this program is designed to place. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include beauty salons, barber shops, individual stylists, manicurists, masseuses, and similar personal-care providers needing packaged liability and property protection. Are independent contractors covered under this policy?Yes. Independent operators working within a salon or shop can be included as additional insureds; discuss specific wording and evidence requirements with underwriting. Is this program available in my state?This program is currently available in AK, CA, ID, MT, NV, NM, ND, OR, WA, and WY. Availability is non-admitted and may vary by carrier and class. Does the policy include coverage for professional liability?Yes. Errors & omissions (professional liability) coverage is included up to the policy limits to help protect against claims arising from services provided. Is there a deductible for this program?No. This program does not require a deductible for the core coverages; individual endorsements or optional features may have different terms—verify on submission. Need help placing an account? Connect with a market specialist.