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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.

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.

Stop Gap Insurance Program from International Excess Program Managers International Excess Program Managers offers a flexible and competitive Stop Gap Insurance Program designed to help agents and brokers place difficult-to-cover risks in states where Workers' Compensation does not provide employer liability coverage. This program is especially useful in monopolistic states like Ohio, where employers need standalone stop gap coverage to protect against workplace injury lawsuits not covered under standard policies. Ideal Accounts and Target Classes This program is a great fit for a wide range of businesses operating in Ohio that must meet employer liability requirements. Ideal accounts include: Manufacturers with multiple employees and physical operations Contractors and construction-related businesses Healthcare facilities and senior care providers Retailers and wholesale distributors Other businesses with employee exposures in monopolistic states If you have a client operating a mid-sized manufacturing facility in Ohio or a contractor with field crews, this Stop Gap solution can help them meet compliance needs and mitigate employer liability exposure. Coverage Highlights and Advantages Minimum premiums starting as low as $750 Multiple limit options available: $300,000, $500,000, and $1,000,000 Zero deductible for easier claims handling This program is tailored to help agents provide their insureds with access to broad, standalone stop gap liability protection, especially in states where workers’ compensation policies exclude this coverage. Underwriting Notes and Minimum Premiums With minimum premiums starting at $750, this program is competitively priced for small to mid-sized employers. Underwriting is handled by experienced professionals who understand the exposures unique to monopolistic states and employer liability needs. The program is backed by various carriers, giving you flexibility and options during the quoting process. Territories and Availability This Stop Gap Insurance Program is currently available in Ohio and may be expanded to additional states. The program is admitted in most available states, providing a reliable and compliant solution for your clients. Why Work With International Excess Program Managers As a trusted Managing General Agency, International Excess Program Managers brings niche program expertise, excellent market access, and responsive service. They understand the unique needs of agents placing business in monopolistic states and provide efficient, reliable support from submission to policy issuance. Whether you're looking to place a single account or add stop gap to a broader package, their team can help you find the right fit for your client’s needs. Click here to read more about this program Are you interested in becoming an agent for this program? Click here. Frequently Asked Questions What types of accounts are a good fit for this Stop Gap Insurance Program?This program is ideal for employers in monopolistic states like Ohio, including manufacturers, contractors, healthcare providers, and other businesses with employee exposures. Which states is this program currently available in?The Stop Gap Insurance Program is currently available in Ohio and may expand to other states as needed. What are the available coverage limits?Limit options include $300,000, $500,000, and $1,000,000, giving agents flexibility to tailor coverage to each client’s needs. Is there a deductible with this program?No, this program offers a zero deductible, making it easier for insureds to manage claims. How do I get appointed to offer this program?You can begin the appointment process by registering through the provided agent registration link on this page. 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. ...

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. ...

Allied Healthcare Insurance Program from Continental Risk / Continental Marine Insurance Services Continental Risk / Continental Marine Insurance Services offers a comprehensive Allied Healthcare Insurance program designed to meet the evolving needs of healthcare facilities and professionals. As an excess & surplus lines broker with access to A-rated carriers, we provide flexible solutions for a wide range of allied health exposures. Our team understands the fast-changing healthcare landscape and delivers coverage options that help agents and brokers protect their clients from complex liability risks. Ideal Accounts and Target Classes This program is well-suited for a broad spectrum of healthcare providers and facilities. You can confidently place accounts in the following classes: Clinics and outpatient centers Laboratories and diagnostic testing centers Medical spas and aesthetic clinics Home health agencies Small hospitals Pharmacies Individual healthcare professionals, including: Therapists Pharmacists Physician Assistants Nurse Anesthetists Whether your client operates a small diagnostic lab or is an independent practitioner, this program offers scalable protection tailored to their needs. Coverage Highlights and Options Our Allied Healthcare program offers a variety of coverage structures to fit the unique exposures in the healthcare industry: Primary professional liability Claims-made professional liability and general liability (claims-made or occurrence) Follow-form excess and umbrella available Incident-sensitive coverage trigger Bilateral extended reporting period up to 7 years Defense costs inside or outside limits of liability Optional coverages include: Damages-only deductible HIPAA civil monetary penalty coverage Vicarious liability for named insureds related to sexual acts Disciplinary proceeding coverage Data breach coverage Billing error defense cost reimbursement Sexual abuse sublimits Underwriting Guidelines and Premiums The program offers primary liability limits up to $5,000,000. Minimum premiums start as low as $1,500 for many classes, making it an accessible solution for small to mid-sized accounts. Our underwriting team evaluates each submission carefully to match the right protection with each client’s operations and risk profile. You might have a client who recently opened a wellness-focused medical spa or a home health agency expanding into new states—this program is built to support those types of growing, specialized businesses. Territories and Market Access Coverage is available in all 50 states and Washington, DC. We offer both admitted and non-admitted options through A-rated carriers, allowing for flexibility in placement depending on client needs and jurisdictional requirements. Why Work with Continental Risk / Continental Marine Insurance Services? With decades of experience in the healthcare and marine sectors, Continental Risk / Continental Marine Insurance Services delivers value through deep market knowledge, responsive service, and access to specialized insurance solutions. Our Allied Healthcare program helps you offer your clients protection against today’s most pressing liability risks in the healthcare space. Partner with us to gain a competitive edge in placing complex healthcare accounts. Frequently Asked Questions What types of accounts are a good fit for this Allied Healthcare program?The program is ideal for clinics, labs, medical spas, home health agencies, small hospitals, pharmacies, and licensed healthcare professionals such as therapists and physician assistants. Is coverage available nationwide?Yes, this program is available in all 50 states and Washington, DC, with both admitted and non-admitted markets depending on the state and risk profile. What is the minimum premium for this program?Minimum premiums start as low as $1,500 for many eligible classes, making it a viable option for small to mid-sized healthcare operations. Can I offer optional coverages to customize the policy?Yes, optional coverages such as HIPAA penalty coverage, data breach, and disciplinary proceedings can be added to tailor the policy to your client's needs. What types of limits are available?The program offers primary liability limits up to $5,000,000, along with follow-form excess and umbrella coverage options. Need help placing an account? Connect with a market specialist. ...

IPMG (Insurance Program Managers Group) offers a specialized Crime Coverage Insurance program that helps agents and brokers place standalone protection for clients that face financial loss from criminal acts. Through IPMG’s relationships with multiple E&S markets, you can access monoline crime solutions tailored for private and publicly traded companies, not-for-profits, and public entities. Ideal Accounts and Appetite This program is designed for insureds that need a dedicated crime policy as part of their enterprise risk management. Target classes include: Mid- to large-size private or public companies with significant cash handling, receipting, or electronic transaction volume Municipalities and other public entities exposed to internal or external fraud risks Not-for-profit organizations that handle donations, grants, or other funds vulnerable to employee dishonesty You might have a client such as a regional nonprofit with multiple fundraising channels or a local government office with decentralized cash handling—both would benefit from a monoline crime program placed through IPMG. Coverage Highlights and Advantages IPMG’s Crime Coverage Insurance program offers broad protection for a full range of crime exposures: Employee Theft and Employee Dishonesty Forgery and Alteration of checks, credit card receipts, and other negotiable instruments Theft, Disappearance and Destruction (on and off premises) Computer Fraud and Funds Transfer Fraud Money Orders and Counterfeit Currency losses Key policy features and options: Primary and excess limits available to build layered programs Discovery form wording Worldwide coverage options where appropriate Limits available up to $10 million, subject to underwriting The program is structured to address both internal threats (employee dishonesty, collusion) and external schemes (cyber-assisted fraud, social engineering, forged instruments). Underwriting Notes and Minimum Premiums As a managing general agency and E&S broker, IPMG underwrites accounts with flexibility based on complexity and exposures. Preferred submissions include: Recent financials and loss runs Description of internal controls, segregation of duties, and treasury procedures Details on electronic payment and funds transfer processes Minimum premiums vary by class, limits, and coverage scope—submitters should expect underwriting questions about controls and loss history to determine pricing and eligibility. Territories and Availability This non-admitted program is currently available in Florida, Illinois, Indiana, Iowa, and Missouri. Agents and brokers writing business in these states can access IPMG’s E&S markets for competitive placement options. Why Work With IPMG? IPMG combines niche commercial program experience with direct access to multiple excess & surplus markets. That means: Responsive underwriting geared to complex or unusual crime exposures Flexible placement options, including primary and excess layers A partnership approach for agents—IPMG supports submissions, negotiates terms, and helps structure limits and retentions Whether you’re placing a municipality, a multi-site nonprofit, or a growing company with heavy transaction volume, IPMG can help secure tailored crime protection where admitted markets may not be available or sufficient. Give us a call for more information about IPMG's Crime Coverage Insurance! Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include private and public companies, municipalities, and nonprofits that handle significant cash flows or financial transactions and need protection against fraud, theft, or employee dishonesty. Is this coverage available on an admitted basis?No. This program is offered on a non-admitted basis through multiple E&S markets accessed by IPMG. What is the minimum premium for this program?Minimum premiums vary depending on the risk profile, selected limits, and coverage options. Contact IPMG for specific underwriting guidance and premium indications. Can this policy be written as excess over another crime policy?Yes. IPMG can provide both primary and excess limits to create layered coverage structures when appropriate. Which states is this program available in?This program is currently available in Florida, Illinois, Indiana, Iowa, and Missouri. Need help placing an account? Connect with a market specialist. ...

Radiology and medical imaging centers face a unique set of risks, with failure to diagnose and misdiagnosis being the most common sources of claims. According to the American Medical Association, nearly half of all medical imaging centers will face a lawsuit, and nearly a third will be sued more than once. Ultra Risk Advisors understands these challenges and offers a specialized Medical Imaging Insurance Program designed to meet the complex coverage needs of radiology groups and imaging centers. Ideal Accounts and Appetite This program is tailored for outpatient imaging centers, radiology groups, and teleradiology providers. Whether you're looking to place a standalone diagnostic imaging facility or a multi-...ors to confirm availability in your state. What coverage features make this program stand out?Key features include Rolling IBNR options, Medicare billing E&O, Consent to Settle with no hammer clause, and potential premium discounts of up to 50% for qualifying facilities. Does the program offer admitted coverage?Yes, coverage is admitted in most available states, simplifying the placement process for agents and brokers. What underwriting information is needed for a submission?Submissions should include operational details, claims history, provider credentials, and risk management practices to ensure a complete review. Need help placing an account? Connect with a market specialist.