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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. ...

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. ...

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. ...

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. ...

Architects & Engineers Liability Program from Continental Risk / Continental Marine Insurance Services Continental Risk / Continental Marine Insurance Services offers a tailored program for design, engineering and environmental consulting firms. Our Architects & Engineers Professional Liability, Commercial General Liability (CGL) and Contractors Pollution Liability package is structured to address the technical, contractual and pollution exposures common to these professions—allowing you to place multi-line liability solutions for clients who work on environmentally sensitive or highly regulated projects. Ideal Accounts and Appetite This program targets a range of professional service providers, including: Engineering firms and independent engineers Environmental consultants and remediation contractors Testing laboratories and analytical service providers Oil & gas consultants and specialty technical consultants We can handle small to mid-sized firms and select larger or more complex operations that carry contractual pollution exposures. Accounts with routine site work, sample transportation, laboratory analysis, or scope-of-work exposure to released pollutants are a primary focus. Coverage Highlights and Advantages This program combines three core liability protections into a single placement to reduce gaps between disciplines: Architects & Engineers Professional Liability — Coverage for errors, omissions or negligent acts in the performance of professional services. Commercial General Liability (Occurrence) — Occurrence-form CGL for bodily injury, property damage and related general liability claims arising from A&E operations. Contractors Pollution Liability — Coverage for third-party liability tied to the release, migration or transportation of pollutants. Key endorsements and program features available include: Media & Technology extensions Onsite Cleanup endorsement tailored for laboratories Transportation of Pollutants Liability Blanket Primary & Non-Contributory wording Hired & Non-Owned Auto endorsements Limits are available up to $2 million, subject to underwriting and carrier appetite. Underwriting Notes and Minimum Premiums Underwriting considers professional revenue, services performed, pollution exposures, claims history and contractual requirements. Minimum premiums vary by risk type, limits and territory; Continental Risk’s underwriting team works directly with appointed agents and brokers to size coverages and structure terms appropriate to each submission. Preferred submissions include detailed scopes of services, sample contracts, any pollution control procedures and loss runs where available. We welcome accounts with complex contractual obligations or higher pollution risk, but this is exclusively a non-admitted solution—placements are handled on a surplus lines basis. Territories and Availability This program is available on a non-admitted basis in all 50 states and the District of Columbia, 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...C, WV, WI, and WY. Why Work With Continental Risk / Continental Marine Insurance Services? As a general agency and excess & surplus lines broker, Continental Risk brings focused expertise in hard-to-place liability and pollution risks. We maintain relationships with multiple carriers experienced in technical exposures, and we structure layered solutions to help you meet contract requirements while managing environmental liability risk. Our team supports brokers with underwriting guidance, bespoke endorsements, and flexible wording options when standard markets decline or require tailored pollution language. Example account scenarios you might place through this program: A regional environmental lab that performs onsite sampling and small-scale cleanup services and needs combined professional, CGL and pollution transport coverage. An engineering firm contracted to provide site assessments and design services for brownfield redevelopment that requires primary non-contributory limits and pollution liability endorsements. For more information about accessing the program and submission requirements, please visit our company profile. Frequently Asked Questions What types of accounts are a good fit for this program?This program is well suited to engineers, testing laboratories, environmental consultants, and oil & gas consultants that have professional liability and pollution exposures. Is this program admitted in any states?No. This program is offered on a non-admitted (surplus lines) basis in all available states and the District of Columbia. What is the maximum limit of liability available?Limits are available up to $2 million, depending on the risk profile and underwriting evaluation. Are pollution-related endorsements included?Yes. The program includes Contractors Pollution Liability and offers endorsements such as Onsite Cleanup and Transportation of Pollutants where appropriate. What states is this program available in?This program is available in all 50 states and Washington, D.C., on a non-admitted basis. 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. ...

Overview — Accountants Professional Liability Insurance from The Herbert H. Landy Insurance Agency, Inc. The Herbert H. Landy Insurance Agency, Inc. offers a dedicated Accountants Professional Liability Insurance program designed for accounting firms, sole practitioners, and accounting-adjacent service providers. This program is underwritten through Great American Insurance Company and Great American Assurance Company and delivered via Landy as a Managing General Agency, giving agents access to admitted paper and a full suite of risk-management support tailored to accounting professionals. Covered Services The program provides professional liability coverage for a wide range of accounting and advisory services, including: Accounting: Protection against claims arising from accounting engagements and financial reporting. Financial Planning: Coverage for financial advisory and planning services. Consulting: Liability protection for various consulting activities performed for clients. Notary Public: Coverage for notarial acts performed within the scope of professional services. Fiduciary: Protection for fiduciary responsibilities undertaken on behalf of clients. Investment Advisory: Coverage for investment advice and related services when provided by the insured. Arbitration/Mediation: Liability protection for services performed as an arbitrator or mediator. Risk Management Assistance Policyholders gain access to proactive tools designed to reduce loss frequency and severity: Legal Hotline and Pre-Claims Assistance: Early access to legal advice to help resolve exposure before it becomes a formal claim. No-Cost Quarterly Webinars: Continuing Professional Education (CPE) opportunities for insureds; participation may also qualify for periodic premium credits where applicable. Policy Highlights EXPRESS Program: Eligible firms can qualify for a streamlined placement that may include a 20% premium consideration, a zero-deductible option, and acceptance for firms with up to $1,000,000 in revenues over the past three years. A two-year policy option is available for greater premium stability and reinstatement of policy limits. Increased Supplementary Payments: Enhanced limits for supplementary payments are available with no deductible applied. Ideal Accounts and Appetite This program is a good fit for accountants and small to mid-sized firms that provide typical accounting, tax, and advisory services. Target accounts include: Small CPA firms and sole practitioners Bookkeepers and accounting consultants who offer payroll, tax preparation, or advisory services Firms that perform limited investment advisory or fiduciary activities as part of broader accounting services Accounts that typically fit well are those with clear engagement letters, manageable revenue levels (see EXPRESS eligibility), and a limited history of professional liability claims. Larger firms, highly specialized practices with unusual exposures, or firms with significant securities or ERISA fiduciary work may require referral to broader markets or specialized programs. Underwriting Notes Underwriters focus on revenue trends, services performed, claims history, use of engagement letters, and internal controls. The EXPRESS option speeds placement for eligible small firms (up to $1,000,000 revenue over the past three years) and offers simplified underwriting credits and deductible options. Minimum premiums and specific underwriting requirements vary by state and applicant profile—contact Landy for current guidelines and submission instructions. Territories and Availability Availability: All Available States This program is available in the following states: AL, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR...A, WA, DC, WV, WI, WY. Why Work with The Herbert H. Landy Insurance Agency, Inc. As a Managing General Agency, Landy provides streamlined access to admitted carriers (Great American Insurance Company and Great American Assurance Company) and underwriting expertise for accounting risks. Practical risk-management tools—hotline advice and CPE webinars—help reduce claims exposure and support insureds. EXPRESS placement and flexible policy options (including two-year terms) make it easier to place smaller or straightforward accounts quickly. Example Placement Scenarios You have a three-partner CPA firm that provides tax prep, monthly bookkeeping, and limited financial planning. Their revenue fits within EXPRESS guidelines and they value the two-year option for premium stability. You represent a sole practitioner who performs tax returns, notary services, and small business consulting with a clean claims history—this client is likely to qualify for streamlined placement and risk-management resources. For more detailed underwriting criteria or to submit a risk, contact The Herbert H. Landy Insurance Agency, Inc. or review their program materials on the company website. Frequently Asked Questions What types of accounts are a good fit for this accountants professional liability program?This program is best for small to mid-sized accounting firms, sole practitioners, bookkeepers, and consultants offering tax, bookkeeping, payroll, and limited advisory services—particularly firms with clear engagement letters and manageable revenue levels. What is the EXPRESS program and who qualifies?EXPRESS is a streamlined placement option for eligible firms that can include a 20% premium consideration, zero-deductible choices, and acceptance for firms with up to $1,000,000 in revenues over the past three years. Eligibility is determined by underwriting review of services, revenue, and claims history. What risk management support does Landy provide to insureds?Policyholders have access to a legal hotline and pre-claims assistance, plus no-cost quarterly webinars that offer CPE credits. These resources are intended to help insureds manage exposures and reduce the likelihood of formal claims. Which carriers underwrite this program and where is it available?The program is underwritten by Great American Insurance Company and Great American Assurance Company and is available in the states listed above. Availability and certain terms may vary by state, so check current guidelines before submission. Need help placing an account? Connect with a market specialist.

Overview — Restaurants Workers Compensation Insurance from U.S. Risk Insurance Group, Inc. U.S. Risk Insurance Group, Inc. offers a dedicated Restaurants Workers Compensation Insurance program designed for independent agents who place restaurant risks of all sizes. This program pairs experienced underwriting with A-rated carriers, loss control tools and focused claims handling to help control frequency and severity for restaurant employers — from single-location family restaurants to multi-state franchise operations. Ideal accounts and target classes This program is built for a broad range of restaurant operations. Typical targets include: Franchise restaurants and multi-unit owners Fine dining and upscale establishments Family-style and casual dining restaurants Lodging restaurants and hotel food & beverage outlets Taverns, bars and brewpubs Catering operations (on- and off-site) The appetite includes both single- and multi-location risks and can accommodate new ventures and complex staffing exposures. Coverage highlights and advantages Workers' compensation coverage tailored to restaurant-specific exposures (slips, cuts, burns, delivery exposures, etc.). Access to A-rated carriers with broad territorial reach to support multi-state placements. Loss control tools and resources aimed at kitchen safety, ergonomic improvements and alcohol-service risks. Claims handling coordinated with vendor partners to promote cost containment and return-to-work strategies. Flexibility to consider accounts with higher experience modification factors and multi-state payrolls. Underwriting notes and submission requirements Underwriters will consider a wide range of restaurant operations but do exclude certain high-risk classes such as quick-serve drive-through chains for delivery exposures (confirm on submission). Key underwriting points: New ventures and start-ups eligible — provide staff projections and safety plans when available. Multi-location and multi-state risks are eligible; scaled quoting available for larger accounts. Delivery operations are acceptable except for fast-food delivery-only models in some situations. Underwriters will review experience modification factors and can entertain higher mods with proper loss control plans. Standard submission items: Completed ACORD application Currently valued loss runs (typically 3–5 years) Mod worksheet and large account supplemental for risks expected to exceed $75,000 in annual premium Example accounts that fit well You have a 3-unit family-style restaurant with moderate payroll seeking better loss control resources and multi-state coverage — this program can provide consolidated placement with proactive claims services. A fine-dining single-location restaurant with seasonal staff and liquor exposure looking for A-rated carrier capacity and return-to-work programs to control claims cost. Territories and availability Available in the following states and territories: AL, AK, AZ, AR, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, OK, OR, PA, RI..., UT, VT, VA, DC, WV, WI. Why place restaurant workers' comp with U.S. Risk Managing General Agency expertise that understands restaurant operations, payroll patterns and seasonal staffing. Access to admitted markets and A-rated carriers with national reach for multi-state owners. Practical loss control and claims strategies that help agents demonstrate value to clients by reducing total cost of risk. Streamlined underwriting for multi-unit accounts and tailored submissions for accounts with higher payroll or experience mods. If you represent multi-unit restaurant owners or operators with specialized exposures, discuss this program with your U.S. Risk underwriter to explore available capacity and loss control partnerships. Frequently Asked Questions What types of restaurant accounts are the best fit for this program?The program works well for franchise and multi-unit owners, fine dining, family-style restaurants, taverns/bars, lodging food & beverage outlets and catering operations. Delivery is eligible in many cases except for some fast-food delivery-only models. What submission materials does U.S. Risk require?Provide a completed ACORD application, currently valued loss runs (typically 3–5 years) and, for larger accounts, a mod worksheet and large account supplemental when annual premium is expected to exceed $75,000. Can U.S. Risk consider high experience modification factors?Yes — the program can entertain higher experience mods if the account demonstrates a plan for loss control, staffing stability, and proactive claims management. Is this program available for multi-state placements?Yes. U.S. Risk can place multi-location and multi-state restaurant accounts through A-rated carriers listed for the states shown in the storefront availability. Need help placing an account? Connect with a market specialist.