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Your Workers' Compensation Solution for Agricultural Businesses Utah Business Insurance Company (UBIC) offers a focused Workers' Compensation program built for the agricultural sector. With experienced underwriters and a practical safety-first approach, UBIC provides competitive, admitted solutions for agents placing agriculture-related risks. Each submission is reviewed on its individual merits — we avoid one-size-fits-all templates and offer flexibility to accommodate a wide range of farm and agri-business accounts. Ideal Accounts and Appetite UBIC's Agriculture Workers' Compensation Program targets a broad spectrum of farming and agricultural operations. We consider most NCCI agriculture and farm class codes, which makes it easier for agents to place diverse agri-business clients. The program accepts single-site farms, multi-location operations, and businesses that operate in multiple eligible states. Examples of good-fit accounts include: A multi-location produce farm with seasonal employees, formal safety training, and documented return-to-work practices. A family-run cattle operation converting from a PEO arrangement and seeking admitted workers' compensation coverage. Coverage Highlights and Program Advantages UBIC provides more than a policy — we deliver resources that help insureds manage exposures and reduce claim frequency: Customized safety manuals tailored to agricultural tasks Safety meeting logs and practical checklists for daily operations Site-specific risk-management assessments (annual, bi-annual, or quarterly as needed) Consultative support by phone, online, or in-person for accident prevention and compliance Underwriting Guidelines and Flexibility Underwriting focuses on the individual risk. Key program guidelines include: Eligibility for most agriculture/farm NCCI codes Experience modification factors accepted up to 1.50 (higher with referral) Account premiums commonly start near $1,000 Multi-location and multi-state operations are accepted within program territories Accounts exiting PEOs or leasing arrangements are eligible for consideration Group transportation and lodging may be restricted depending on exposure Flexible payment terms, including monthly self-reporting options Territories and Availability This Agriculture Workers' Compensation Program is available on an admitted basis in the following states: Arizona (AZ), Colorado (CO), Idaho (ID), Nevada (NV), New Mexico (NM), Oregon (OR), and Utah (UT). Why Place Business with UBIC? Utah Business Insurance Company partners with Companion Property and Casualty and Companion Commercial Insurance to deliver stable, admitted workers' compensation capacity for the ag market. UBIC emphasizes hands-on underwriting, practical risk control, and strong service for independent agents. Our in-house risk control resources and regional underwriting expertise make us a reliable placement option for agriculture accounts that need admitted coverage and loss-control support. Learn more on our company profile or start a submission. Frequently Asked Questions What types of accounts are a good fit for this program?This program is suited to most agriculture and farm-related businesses, including multi-location farms, seasonal operations, and entities transitioning from a PEO or leasing arrangement. In which states is this program available?The program is available on an admitted basis in Arizona, Colorado, Idaho, Nevada, New Mexico, Oregon, and Utah. What is the minimum premium for eligible accounts?Target account premiums commonly start near $1,000, making the program suitable for smaller agricultural operations as well as larger ones. Can my client have multiple locations or operate in more than one state?Yes. The program accepts multi-location and multi-state agricultural businesses provided the operations are within the eligible states listed above. What risk management resources are included?UBIC provides safety manuals, meeting logs, practical safety checklists, and periodic risk assessments, plus phone, online, and in-person safety consultations to support loss prevention. Need help placing an account? Connect with a market specialist. ...

Exclusive Insurance Program for Orthotics & Prosthetics Businesses Affinity Healthcare, a trusted program administrator, offers a comprehensive insurance solution tailored specifically for businesses in the Orthotics and Prosthetics (O&P) industry. Through the Aon O&P Insurance Program, agents and brokers can access a multi-line commercial insurance platform designed for patient care facilities, suppliers, manufacturers, and other O&P professionals. This exclusive program also includes assistance with the CMS-required surety bond for Medicare compliance. Our dedicated sales and service team brings deep knowledge of the O&P sector. We take the time to understand your client’s operations and offer custom-tailored coverage designed to protect against their unique risks. By working directly with a leading carrier, AIG, we deliver broad, competitive coverage solutions with top-tier service and claims support. Eligible Orthotics & Prosthetics Business Classes • Patient Care – Sales and service for O&P items that are made, fit, and/or altered. • Supplier/Distributor – Businesses that purchase O&P items for resale. • Supplier/Manufacturer – No patient interaction; includes central fabrication and wholesale. • Soft Goods & Accessories – Direct-to-patient sales of unaltered items like stump socks and crutch tips. • Durable Medical Equipment – Includes wheelchairs, lifts, oxygen, and other home medical items. • Sales of Shoes, Orthotics & Accessories – Retail or custom-made devices and footwear. • Repair Services – Repair operations unrelated to prescriptions. Comprehensive Coverage Options • Commercial Property • General Liability • Professional Liability • Commercial Auto • Commercial Umbrella • Crime • Workers' Compensation • Employment Practices Liability • CMS-Required Surety Bond for DMEPOS Providers • Corporate Identity Protection Risk Management Support Our program goes beyond standard coverage by offering proactive risk management resources: • Quarterly newsletters featuring claims examples and actionable insights • Timely alerts on emerging risks and industry trends • On-site consultations for complex or high-exposure accounts Underwriting and Premiums This program is designed for a wide range of O&P businesses, from small clinics to large manufacturing operations. Minimum premiums start at $1,500 for package policies and $1,000 for umbrella coverage. Our underwriting team works closely with agents to ensure appropriate pricing based on each client’s operations and exposure. Available Nationwide This program is available in all 50 states and Washington, D.C., offering admitted coverage through AIG. No matter where your client is located, Affinity Healthcare can help you place quality coverage with confidence. Why Work with Affinity Healthcare? Affinity Healthcare, operating under Aon Affinity, has a long-standing reputation for delivering specialized insurance solutions. With deep expertise in the O&P sector and access to leading carriers, we provide tailored coverage, responsive service, and expert risk guidance. Whether your client is a patient care provider, a manufacturer, or a DME supplier, we understand their business and can help you protect it. You might have a client who operates a multi-state orthotics supply company or a local prosthetics clinic fitting customized devices. This program is built to meet their specific needs—and give you peace of mind that their coverage is in good hands. Affinity Healthcare is a registered trade name of Affinity Insurance Services, Inc.; (TX 13695); (AR 100106022); in CA, MN, AIS Affinity Insurance Agency, Inc. (CA 0795465); in OK, AIS Affinity Insurance Services, Inc.; in CA, Aon Affinity Insurance Services, Inc., (CA 0G94493), Aon Direct Insurance Administrators and Berkely Insurance Agency and in NY, AIS Affinity Insurance Agency. All descriptions, summaries or highlights of coverage are for general informational purposes only and do not amend, alter or modify the actual terms or conditions of any insurance policy. Coverage is governed only by the terms and conditions of the relevant policy. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for orthotics and prosthetics patient care providers, suppliers, distributors, manufacturers, and DME retailers. It also fits businesses offering soft goods, accessories, and repair services. Is the program available in all states?Yes, the program is available in all 50 states and Washington, D.C. What coverages are included in the program?The program offers a full commercial package, including property, general and professional liability, auto, umbrella, workers’ comp, EPLI, and the CMS-required surety bond for DMEPOS providers. What is the minimum premium for this program?The minimum premium starts at $1,500 for package policies and $1,000 for umbrella coverage. Does Affinity Healthcare offer risk management support?Yes, risk management tools include newsletters, alerts, and on-site consultations for complex risks. Need help placing an account? Connect with a market specialist. ...

Your Workers' Compensation Solution for Agricultural Businesses Utah Business Insurance Company (UBIC) offers a focused Workers' Compensation program built for the agricultural sector. With experienced underwriters and a practical safety-first approach, UBIC provides competitive, admitted solutions for agents placing agriculture-related risks. Each submission is reviewed on its individual merits — we avoid one-size-fits-all templates and offer flexibility to accommodate a wide range of farm and agri-business accounts. Ideal Accounts and Appetite UBIC's Agriculture Workers' Compensation Program targets a broad spectrum of farming and agricultural operations. We consider most NCCI agriculture and farm class codes, which makes it easier for agents to place diverse agri-business clients. The program accepts single-site farms, multi-location operations, and businesses that operate in multiple eligible states. Examples of good-fit accounts include: A multi-location produce farm with seasonal employees, formal safety training, and documented return-to-work practices. A family-run cattle operation converting from a PEO arrangement and seeking admitted workers' compensation coverage. Coverage Highlights and Program Advantages UBIC provides more than a policy — we deliver resources that help insureds manage exposures and reduce claim frequency: Customized safety manuals tailored to agricultural tasks Safety meeting logs and practical checklists for daily operations Site-specific risk-management assessments (annual, bi-annual, or quarterly as needed) Consultative support by phone, online, or in-person for accident prevention and compliance Underwriting Guidelines and Flexibility Underwriting focuses on the individual risk. Key program guidelines include: Eligibility for most agriculture/farm NCCI codes Experience modification factors accepted up to 1.50 (higher with referral) Account premiums commonly start near $1,000 Multi-location and multi-state operations are accepted within program territories Accounts exiting PEOs or leasing arrangements are eligible for consideration Group transportation and lodging may be restricted depending on exposure Flexible payment terms, including monthly self-reporting options Territories and Availability This Agriculture Workers' Compensation Program is available on an admitted basis in the following states: Arizona (AZ), Colorado (CO), Idaho (ID), Nevada (NV), New Mexico (NM), Oregon (OR), and Utah (UT). Why Place Business with UBIC? Utah Business Insurance Company partners with Companion Property and Casualty and Companion Commercial Insurance to deliver stable, admitted workers' compensation capacity for the ag market. UBIC emphasizes hands-on underwriting, practical risk control, and strong service for independent agents. Our in-house risk control resources and regional underwriting expertise make us a reliable placement option for agriculture accounts that need admitted coverage and loss-control support. Learn more on our company profile or start a submission. Frequently Asked Questions What types of accounts are a good fit for this program?This program is suited to most agriculture and farm-related businesses, including multi-location farms, seasonal operations, and entities transitioning from a PEO or leasing arrangement. In which states is this program available?The program is available on an admitted basis in Arizona, Colorado, Idaho, Nevada, New Mexico, Oregon, and Utah. What is the minimum premium for eligible accounts?Target account premiums commonly start near $1,000, making the program suitable for smaller agricultural operations as well as larger ones. Can my client have multiple locations or operate in more than one state?Yes. The program accepts multi-location and multi-state agricultural businesses provided the operations are within the eligible states listed above. What risk management resources are included?UBIC provides safety manuals, meeting logs, practical safety checklists, and periodic risk assessments, plus phone, online, and in-person safety consultations to support loss prevention. Need help placing an account? Connect with a market specialist. ...

Employment Practices Liability Insurance from Russell Bond & Co., Inc. Employment Practices Liability Insurance (EPLI) protects businesses from claims tied to hiring, employment practices, and workplace conduct. At Russell Bond & Co., Inc., we give independent agents and brokers access to a comprehensive EPLI program through both in-house and brokerage markets. With deep market relationships and experienced underwriters, we help you place coverage that addresses today’s most common employment-related risks. Why Your Clients Need EPLI Employment-related suits are increasingly common and often expensive to defend. Key industry indicators agents should know: • Over 40% of EPLI claims are filed against companies with fewer than 100 employees • 65% of companies that have never terminated an employee have still faced employment-related lawsuits • 3 out of 5 employers are sued by former employees Since 1991, wage-and-hour lawsuits have increased dramatically. Even employers with strong HR practices can face allegations of discrimination, harassment, retaliation, or wrongful termination. EPLI helps your clients manage defense costs and indemnity exposure when employment claims arise. Coverage Highlights and Features Russell Bond’s EPLI program is designed for today’s exposures and provides market-responsive features agents can offer their clients: • Full prior acts coverage available for most risks • Fair Labor Standards Act (FLSA) — $100,000 sub-limit for defense costs • Risk management services — complimentary HR consultation and helpline access • Duty to Defend — the program provides defense for covered claims • Punitive damages coverage available in most jurisdictions • Defense costs outside the limit — additional protection beyond the retention Ideal Accounts and Appetite This program targets small to mid-sized employers across a range of industries. Ideal accounts typically include: Businesses with fewer than 100 employees (retail, hospitality, professional services, light manufacturing) Companies seeking FLSA defense capacity and HR risk-management support Clients that value access to specialist underwriting and broad market placement You might have a client who operates several retail locations with 40–75 employees concerned about overtime and discrimination claims, or a regional professional services firm seeking a non-admitted solution with HR support—both are a good fit for this program. Underwriting Considerations This EPLI program is written on a non-admitted basis, giving Russell Bond flexibility to structure terms and place complex or specialty risks. Underwriters evaluate exposures including workforce size, recent employment practices, claims history, HR policies, and payroll. Minimum premiums and exact terms vary by account and state—contact a Russell Bond underwriter to review eligibility and obtain specific pricing guidance. Available in Most States The program is available in nearly all U.S. jurisdictions, 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... DC, WV, WI, and WY. Why Work with Russell Bond As a Managing General Agency, Russell Bond combines focused underwriting, broad market access, and hands-on service to help you place EPLI business efficiently. We maintain relationships with carriers rated by A.M. Best, deliver responsive risk-management services, and support agents through placement and policy servicing. Our Business Resource Center and HR helpline add tangible value for insureds and can help reduce claim frequency. Learn more about our Employment Practices Liability Insurance program or contact us today to discuss placements and eligibility. Frequently Asked Questions What types of accounts are a good fit for this EPLI program?Businesses with fewer than 100 employees in sectors such as retail, hospitality, professional services, and light manufacturing are strong candidates. Russell Bond can also consider larger risks depending on exposure and underwriting controls. Is this EPLI program admitted or non-admitted?This program is offered on a non-admitted basis, which provides flexibility in coverage forms and terms to address specialized or higher-exposure accounts. Does the policy include wage and hour coverage?Yes. The program includes a $100,000 sub-limit for defense costs related to Fair Labor Standards Act (FLSA) matters to help address wage-and-hour allegations. What value-added services are included with the policy?Policyholders receive complimentary risk management services, including access to HR consultation and a helpline to address employment issues before they escalate into claims. Which states is this program available in?The EPLI program is available in most U.S. states. Refer to the program territory list above or contact Russell Bond for state-specific availability and any recent changes. Need help placing an account? Connect with a market specialist.

Available Nationwide with A rated insurance carrier Ability to file surplus lines tax in all 50 states Limits up to $10 Million/$10 million Professional and General liability International Excess Program Managers offers a specialized insurance program tailored for Polysomnographic Technicians and Sleep Centers across the United States. This niche program is designed to address the unique exposures faced by professionals in the sleep medicine field, including liability risks associated with overnight monitoring, diagnostic testing, and patient interaction. Ideal Accounts and Appetite This program is an excellent fit for: Independent and group sleep centers Polysomnographic Technologists and Sleep Lab Technicians Mobile or in-home sleep testing providers You might have a client operating a multi-location sleep diagnostic clinic or a solo technician who performs in-home sleep studies—both can be considered for this program. Coverage Highlights and Advantages Professional and General Liability limits up to $10M/$10M Coverage available in both admitted and non-admitted markets (most states) Backed by A-rated carriers Surplus lines tax filing in all 50 states The program is designed to cover a wide range of liability exposures specific to sleep medicine professionals, such as misdiagnosis claims, equipment failure, or patient safety concerns during overnight studies. Underwriting Notes and Minimum Premiums Minimum premiums vary depending on the risk profile and scope of services, but International Excess Program Managers works with agents to competitively price coverage for both small and larger operations. Submissions should include detailed information about the insured’s operations, staff certifications, and any claims history. Territories and Availability This program is available in most U.S. states, including AK, CA, FL, TX, NY, and others. International Excess Program Managers has the ability to file surplus lines taxes in all 50 states, providing true nationwide access for your clients. Why Work With International Excess Program Managers? As a trusted Managing General Agency with access to various A-rated carriers, International Excess Program Managers brings niche underwriting knowledge and flexible solutions to the table. Their dedicated healthcare program team understands the specific needs of sleep centers and technicians, helping agents successfully place and retain business in this specialized market. Click here to read more about this program Are you interested in becoming an agent for this program? Contact us. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for sleep centers, sleep labs, and polysomnographic technicians offering diagnostic testing and overnight monitoring services. Is the program available in all states?Yes, the program is available nationwide, and surplus lines tax filing is supported in all 50 states. Are both admitted and non-admitted options available?Coverage is offered through A-rated carriers, with options available in both admitted and non-admitted markets depending on the state. What limits are available under this program?The program offers Professional and General Liability limits up to $10 million per occurrence and $10 million aggregate. What information is needed for a submission?Submissions should include details on operations, staff credentials, services offered, and any prior claims history. Need help placing an account? Connect with a market specialist. ...

Distinguished Programs offers a specialized City Multi-Family Insurance Program designed for residential property owners operating in urban environments. This program is ideal for buildings with 2 to 100 units, including mixed-use properties with ground-floor mercantile exposure. With a streamlined online portal for submission, quoting, and binding, agents can efficiently place business and provide robust coverage for their clients in key metropolitan areas. Urban property owners face unique risks, from aging infrastructure to tenant liability and ordinance requirements. This program is built to meet those needs with competitive pricing and comprehensive coverage options tailored to small-to-mid-size city properties. Ideal Accounts and Appetite Multi-family buildings with 2–100 units (sweet spot: 2–15 units) Condominiums, co-ops, brownstones, and mixed-use properties Owner-occupied dwellings eligible for Personal Lines forms Properties valued between $1M–$3M, with TIV up to $25M You might have a client who owns a 10-unit apartment building with a retail store on the ground floor or a small condo complex in a busy metro area. This program is designed for exactly those types of risks. Coverage Highlights and Advantages Personal Lines forms available for owner-occupied units Pools now eligible, subject to safety compliance Access to qualified repair vendors via Sedgwick Repair Services Package policy includes Equipment Breakdown, Sewer/Drain Backup, and Ordinance or Law A, B & C Replacement Cost valuation Electronic policy delivery and automatic renewals Simple, digital application process Underwriting Notes and Minimum Premiums Eligible construction: joisted masonry or better; no age limit with system upgrades Specific construction accepted in select markets (e.g., brick veneer in Denver, frame in San Francisco & others) Minimum premium varies by risk and location Territories and Availability The City Program is available in the following states: CA, CO, IL, MD, MA, MN, MO, NJ, OR, PA, VA, and WA. Admitted in most available states, this program ensures peace of mind for both agents and insureds seeking stability and compliance. Why Work With Distinguished Programs? Distinguished Programs is a trusted Managing General Agency with a focus on niche real estate insurance solutions. With access to various carriers and a proven track record of delivering efficient, cost-effective underwriting, agents can rely on Distinguished to handle urban multi-family risks with confidence. The intuitive digital platform, responsive service, and built-in risk management tools make this program a strong choice for brokers looking to grow their real estate book. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for small-to-mid-size multi-family properties, including condos, co-ops, and mixed-use buildings with 2 to 100 units, especially those located in urban areas. Can the program cover buildings with retail or commercial space?Yes, properties with ground-floor mercantile exposure are eligible as part of the mixed-use category. Are older buildings eligible for coverage?Yes, there is no age limit on buildings, provided necessary system upgrades have been made and the construction type meets eligibility criteria. Is this program available on an admitted basis?Yes, the program is admitted in most available states, offering regulatory stability and broader market acceptance. How do agents submit and bind coverage?Agents can use Distinguished Programs’ online portal to submit, quote, and bind coverage quickly and efficiently. Need help placing an account? Connect with a market specialist. ...

Distinguished Programs offers a specialized New York Brick & Brownstone Insurance Program designed for residential and mixed-use property owners in key New York City boroughs. This program is ideal for insuring two- to 30-unit properties, including brownstones, condos, co-ops, row houses, and small apartment buildings. With an easy online submit-quote-bind process, this program provides a seamless experience for agents looking to place urban real estate risks. Ideal Accounts and Appetite Brownstones, row houses, condos, co-ops, and apartment buildings Properties with 1–30 units, including mixed-use buildings with at least 50% residential occupancy Located in Manhattan, Brooklyn, or Queens Constructed with joisted masonry or better Total Insured Values (TIV) up to $6 million for JMS (joisted masonry structures) This program is a strong fit for city-based residential buildings that require tailored coverage solutions. For example, if you have a client with a four-unit brownstone in Brooklyn with a ground-floor retail tenant, or a small co-op building in Queens, this program offers the flexibility and protection they need. Coverage Highlights and Advantages Admitted paper through an A.M. Best A+ rated carrier Special Form – Cause of Loss Replacement Cost and Agreed Amount options for Building Coverage Equipment Breakdown coverage, including miscellaneous electrical apparatus Ordinance or Law Coverage: A up to building limit; B and C at 25% of building value or a minimum of $150,000 Terrorism coverage included Business Income including rental value with extra expense Employee Theft coverage Back-up of Sewers and Drains up to the policy limit Deductible options ranging from $1,000 to $10,000 Competitive pricing with value-added risk management services Underwriting Notes and Minimum Premiums Properties must meet construction standards of joisted masonry or better and be located within the designated NYC boroughs of Manhattan, Brooklyn, or Queens. Mixed-use is acceptable provided at least 50% is residential. The program supports up to 30-unit building...s with TIVs up to $6 million. Minimum premiums vary depending on property details and location. Territories and Availability This program specifically targets New York City properties in Manhattan, Brooklyn, and Queens. However, Distinguished Programs writes in most U.S. states, offering a broad footprint and urban expertise across the country. Why Work With Distinguished Programs? As a leading Managing General Agency (MGA), Distinguished Programs brings deep knowledge of urban real estate risks and a strong track record of delivering tailored insurance solutions. With access to top-rated carriers and a streamlined digital submission process, agents can efficiently place complex residential and mixed-use property accounts. Risk management services and competitive pricing further enhance the value proposition for your clients. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for brownstones, co-ops, condos, row houses, and small apartment buildings with 1 to 30 units located in Manhattan, Brooklyn, or Queens. Can mixed-use buildings be covered?Yes, as long as at least 50% of the building is residential, mixed-use properties are eligible. What is the maximum insured value allowed?The program supports Total Insured Values (TIV) up to $6 million for joisted masonry structures. Is terrorism coverage included?Yes, terrorism coverage is included in the standard policy offering. What carrier backs this program?The program is written on admitted paper backed by an A.M. Best A+ rated carrier. Need help placing an account? Connect with a market specialist.

Comprehensive Habitational Insurance Solutions from Continental Risk / Continental Marine Insurance Services Continental Risk / Continental Marine Insurance Services offers a dedicated Habitational Insurance program for agents and brokers placing coverage for multi-unit residential property risks. The program provides tailored solutions for apartment complexes, condominium associations, townhome communities, and mixed-use buildings with residential components across a broad geographic footprint. Ideal Accounts and Target Classes This program is designed for insureds who own or manage multi-unit residential properties, including: Apartment buildings (market-rate and affordable housing) Condominium associations Townhome and townhouse communities Mixed-use buildings with residential units Whether your client is a single-property owner, an investor with several complexes, or a property management company, the program can be structured to match different risk profiles and operational models. Coverage Highlights and Available Limits The Habitational Insurance program includes core coverages that address the primary exposures faced by residential property owners: General Liability – $1M per occurrence / $2M aggregate Property Coverage – Up to $5M Total Insured Value (TIV) per location Additional optional or package components commonly available include: Hired & Non-Owned Auto liability Employee Benefits liability Equipment Breakdown coverage These coverages help your clients manage the financial impact of property damage, liability claims, and operational interruptions so they can focus on maintaining occupancy and cash flow. Underwriting Approach and Minimum Premiums Continental Risk / Continental Marine works with a mix of admitted and non-admitted markets to provide flexibility in placement. Underwriting evaluates each submission on its individual merits; key factors include location, construction type, age and condition of building systems, occupancy, management practices, and prior loss history. Minimum premium levels vary by state, limits, and specific risk characteristics. Submissions demonstrating good maintenance, recent system upgrades (roofing, electrical, fire protection), and favorable loss histories generally receive stronger terms. Risks with older construction, recurring claim activity, or significant deferred maintenance are considered but will require detailed documentation and may face more restrictive terms. Territorial Reach The Habitational Insurance program is available nationwide, including all 50 states and Washington, D.C. Continental Risk / Continental Marine can place business in admitted markets where available and use non-admitted solutions where appropriate to achieve the coverage or limits your client needs. Why Work With Continental Risk / Continental Marine Insurance Services? As a wholesale broker, Continental Risk / Continental Marine brings decades of habitational placement experience and relationships with multiple carriers. Agents benefit from: Access to both admitted and non-admitted markets Underwriting expertise focused on multi-unit residential exposures Flexible program structures and available endorsements tailored to property operations Responsive service to help place difficult or specialty habitational risks Example scenarios where this program is a strong option: you have a client managing a 60-unit apartment complex in a coastal area with some older construction and recent system upgrades, or a condominium association seeking higher liability limits and equipment coverage. Continental Risk / Continental Marine can help package those accounts and submit to the markets most likely to offer competitive terms. To learn more about placing habitational accounts through this program, contact the team at Continental Risk / Continental Marine Insurance Services. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include apartment complexes, condominium associations, townhome communities, and mixed-use buildings with residential units. What are the liability and property coverage limits offered?The program offers general liability limits of $1 million per occurrence and $2 million aggregate, with property coverage available up to $5 million TIV per location. Are both admitted and non-admitted carriers available?Yes, Continental Risk / Continental Marine works with a variety of carriers, including admitted markets in select states and non-admitted options where appropriate. What underwriting information is needed for a quote?Typical submissions should include property details, construction year, updates, occupancy, loss history, and current coverage information. Is this program available in all states?Yes, the Habitational Insurance program is available in all 50 states and Washington, D.C. Need help placing an account? Connect with a market specialist. ...

Continental Risk / Continental Marine Insurance Services offers comprehensive Directors and Officers (D&O) insurance solutions tailored for both non-profit and for-profit organizations. This program is designed to help insurance agents and brokers place coverage that protects key decision-makers and entities from a wide array of management liability exposures. The D&O program covers directors, officers, trustees, employees, volunteers, and the organization itself. It goes beyond traditional liability coverage to address complex and emerging risks, including allegations of fraud, misrepresentation, unfair competition, employment practices violations, and mismanagement of employee or pension benefit plans. Ideal Accounts and Appetite Private Companies: Closely held businesses across most industries. Not-for-Profit Organizations: Including charities, associations, and foundations. Public Entities: Select publicly traded companies (contact for underwriting review). Excess Coverage: Available for companies seeking additional layers of protection. Coverage Highlights and Advantages Directors & Officers Liability: Protects insureds from claims related to management decisions and negligence in their executive roles. Fiduciary Liability: Covers fiduciary duties related to employee benefit plans; available on a primary or excess basis. Employment Practices Liability: Addresses claims such as wrongful termination, discrimination, and sexual harassment. Tenant Discrimination Coverage: Helps property owners and managers defend against discrimination claims brought by prospective, current, or former tenants. Underwriting Notes and Minimum Premiums Primary and excess options are available with flexible structuring. Separate limit towers and retentions can be applied for each coverage part. Coverage is non-cancellable except for non-payment of premium. Capacity limits up to $10 million are available. Primary coverage suitable for entities with revenues up to $750 million. Excess coverage available with no revenue threshold. All classes considered except financial institutions. Minimum premiums vary depending on risk characteristics. Territories and Availability Available in all 50 states and Washington, DC. Some markets are admitted, while others are non-admitted, depending on jurisdiction and risk profile. Why Work With Continental Risk Continental Risk is an experienced Excess & Surplus Lines Broker with access to a broad spectrum of carriers. They offer tailored solutions for complex management liability exposures across various industries. Their underwriting team understands the nuanced needs of both non-profit and corporate clients. Responsive service and flexible program design help agents secure competitive coverage for difficult-to-place risks. Whether you have a non-profit board seeking protection for its volunteers or a mid-sized private company concerned about employment practices claims, Continental Risk provides a robust and flexible D&O insurance solution. Their expansive state availability and ability to write both primary and excess layers make them a valuable partner for agents placing management liability accounts. Frequently Asked Questions What types of accounts are a good fit for this D&O program?This program is ideal for private companies, not-for-profit organizations, and select public companies seeking primary or excess Directors and Officers coverage. Does the program include employment practices liability?Yes, Employment Practices Liability Insurance (EPLI) is available and covers claims such as wrongful termination, discrimination, and harassment. Can I write coverage in any state?Yes, this program is available in all 50 states and Washington, DC. Admitted status may vary by market and state. What is the maximum coverage limit available?Capacity limits are available up to $10 million, depending on the risk and coverage part. Is there a revenue cap for eligible accounts?Primary coverage is available for companies with revenues up to $750 million. There is no revenue limit for excess placements. Need help placing an account? Connect with a market specialist. ...

NEW, EXCLUSIVE Private D&O, Employment Practices, Fiduciary Program Coverage Options Available Directors and Officers and Entity Liability Insurance Employment Practices Liability Insurance Fiduciary Liability Insurance Comprehensive Management Liability Coverage From U.S. Risk U.S. Risk Insurance Group, Inc. offers an exclusive national program tailored for private companies seeking Directors and Officers (D&O), Employment Practices Liability Insurance (EPLI), and Fiduciary Liability protection. Designed for small to mid-sized private entities, this program helps address critical exposures that threaten leadership and operational stability—whether through litigation, regulatory scrutiny, or employment-related claims. Ideal Accounts and Program Appetite This program is best suited for financially stable private companies with: Total assets up to $100 million Up to 1,000 employees Minimum 3 years in business Strong HR and compliance practices Sound business models and solvency You might have a client who recently grew to 350 employees and is now navigating expanded fiduciary exposure or a family-owned manufacturer seeking protection for its board and officers. These are ideal candidates for this program. Coverage Highlights and Advantages Exclusive, nationwide program (including CA) Limits up to $5 million with shared or combined aggregate options Full Prior Acts coverage available in most cases Duty-to-defend policy form Third-party EPLI coverage included Worldwide coverage for acts occurring anywhere—claims must be brought in the U.S. or Canada Full Severability of Application and Fraud/Personal Profit exclusions Separate or combined limit structures available Spousal/Domestic Partner extension included Broad “Claim” definition including: Monetary and non-monetary relief Judicial, civil, administrative, and criminal proceedings Requests to toll the statute of limitations Broad “Loss” definition including punitive and exemplary damages (where insurable by law) Order of Payments provision Bilateral extended reporting periods: 1-, 2-, and 3-year options Optional coverages: Full worldwide territorial coverage Cyber-crisis management cost coverage Modified defense outside the limits available for select classes Underwriting Parameters and Minimum Premiums U.S. Risk evaluates each risk individually but maintains a flexible underwriting approach for qualifying private companies. The program offers low minimum premiums and competitive pricing structures, making it accessible for smaller firms with growing exposures. Territories and Carrier Access Available in most states across the U.S., including CA, TX, FL, NY, and many others. U.S. Risk works with a variety of carriers to provide broad market access and responsive solutions. Most markets are admitted, depending on the state and class of business. Why Partner With U.S. Risk As a national program administrator, U.S. Risk brings deep expertise in management liability lines and a commitment to agent success. With exclusive access to markets, tailored underwriting, and fast turnaround times, U.S. Risk is a trusted partner for agents placing private D&O, EPLI, and fiduciary risks. Frequently Asked Questions What types of accounts are a good fit for this program?Privately held companies with up to $100 million in assets and 1,000 employees, operating for at least 3 years and demonstrating strong HR practices, are ideal. Can I write D&O, EPLI, and Fiduciary coverage on a single policy?Yes, this program offers combined or separate limits for D&O, EPLI, and Fiduciary Liability, depending on the needs of your client. Is this program available in all states?The program is available in most U.S. states, including California, Texas, Florida, and New York. Contact U.S. Risk for specific state availability. Are there options for extended reporting periods?Yes, 1-, 2-, and 3-year bilateral extended reporting period (ERP) options are available to accommodate clients’ needs after policy expiration. What makes U.S. Risk’s program different from others?This is an exclusive national program with broad coverage terms, low minimum premiums, and access to multiple carriers—backed by U.S. Risk’s underwriting expertise. Need help placing an account? Connect with a market specialist. ...