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Executive Liability Insurance Program from On...es is this program available in?The Executive Liability Insurance program is a...

Fiduciary Liability Insurance pays, on behalf of the insured, legal liability arising from claims that fiduciaries failed to prudently manage employee benefit plans under applicable law. Fiduciary Insurance Program From OnPoint Underwriting OnPoint Underwriting offers a focused Fiduciary Insurance program that helps protect plan sponsors, plan fiduciaries, trustees, and administrators from liability tied to the management and administration of employee benefit plans. The program is designed for ERISA-regulated plans including retirement plans, 401(k) plans, pension plans, and health and welfare plans, and addresses exposures from alleged mismanagement, recordkeeping errors, and breaches of fiduciary duty. Available through multiple carriers and offered in both admitted and non-admitted markets, this program is accessible nationwide. OnPoint’s appetite and carrier relationships let you place standard accounts as well as more complex or higher-exposure risks that require tailored terms. Ideal Accounts and Appetite This program is a practical fit for agents and brokers placing business for clients who sponsor or administer employee benefit plans. Typical accounts include: Small to midsize employers offering 401(k), defined contribution, or pension plans Nonprofit organizations, universities, and schools with employee benefit programs Municipalities and government entities responsible for employee plans You might have a client who recently added a 401(k) and needs fiduciary protection for new plan administrators, or a nonprofit that wants coverage for potential errors in plan administration or missed filings. The program can respond to accounts with prior compliance issues or more complex plan structures that need enhanced definitions and sublimits. Coverage Highlights and Advantages Fiduciary Insurance Program Highlights: Defense costs outside the limit Voluntary compliance loss and delinquent filer penalties coverages HIPAA Coverage Enhanced definition of Claim Sublimit of $100,000 for Voluntary Compliance Loss and Delinquent Filer Penalties coverage Civil money penalties imposed for violations of the Pension Protection Act Sublimit of $25,000 for civil money penalties imposed for violations of the Pension Protection Act Sublimit of $25,000 for civil money penalties imposed for violations of Section 502© of ERISA Comprehensive all-encompassing Omnibus plans coverage for all employee benefit plans with no listing requirement Underwriting Notes and Minimum Premiums OnPoint has no stated minimum premium, which makes this program accessible for a range of account sizes. Underwriting reviews focus on plan types, assets under management, claims history, service provider oversight, and internal controls around plan administration. Because OnPoint works with a panel of carriers, they can often accommodate accounts that need specific wording or sublimit structures. Enhanced definitions and targeted sublimits make the program attractive for plans that require HIPAA coverages, voluntary compliance assistance, or civil penalty protection. Territories and Availability This Fiduciary Insurance program is available nationwide — all 50 states and Washington, D.C. — and can be placed in both admitted and non-admitted markets to fit regulatory and pricing needs. Why Work With OnPoint Underwriting As a specialized program administrator, OnPoint Underwriting combines niche fiduciary expertise with responsive underwriting and broad carrier access. That combination helps you secure tailored coverage for complex benefit plans, negotiate terms for accounts with prior issues, and place business efficiently across multiple markets. To discuss placements or for more program details, contact Leaticia Roberts at (404) 460-1372 or [email protected]. For company information visit www.onpointunderwriting.com. Frequently Asked Questions What types of accounts are a good fit for this Fiduciary Insurance program?Small to midsize businesses, nonprofits, schools, and municipalities that sponsor or administer employee benefit plans are ideal candidates for this program. Is there a minimum premium requirement?No. There is no stated minimum premium, which provides flexibility across a range of account sizes. In which states is this program available?This program is available in all 50 states and Washington, D.C., with access to both admitted and non-admitted markets. What are some key coverages included in the program?Highlights include defense costs outside the limit, HIPAA coverage, voluntary compliance loss, delinquent filer penalties, and civil money penalties related to fiduciary and plan administration exposures. What makes OnPoint Underwriting a strong partner for fiduciary coverage?OnPoint offers specialized fiduciary underwriting, flexible placement options across multiple carriers, and the ability to craft coverage for complex plan structures or accounts with prior compliance concerns. Need help placing an account? Connect with a market specialist.

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McGowan Excess & Casualty Trade Contractors Umbrella Insurance Overview of the Program From The McGowan Companies The McGowan Companies offers a focused Trade Contractors Umbrella Insurance program through McGowan Excess & Casualty, designed for agents and brokers seeking excess liability capacity for trade and artisan contractor clients. Whether your insureds perform commercial construction, municipal subcontracting, or specialty residential work, this program delivers the additional layer of liability protection needed to meet contractual obligations and to protect against catastrophic loss. As a Managing General Underwriter with broad market access, McGowan combines underwriting expertise and flexible placement options to address the varied exposures of trade contractors. The program is available in most states and is commonly placed on a non-admitted basis where appropriate. Ideal Accounts and Appetite This program targets a wide range of trade contractors working in residential, commercial, and light industrial construction. Eligible classes include: Electricians Plumbers Paving and grading contractors Cable installation HVAC contractors Drywall and flooring installation Landscaping and painting Septic tank installation Solar panel installation Sewer and water main contractors Swimming pool contractors Tile, plastering, and masonry Concrete, carpentry, roofing, and siding If you have a client installing commercial solar arrays who needs higher limits for contract compliance, or a subcontractor working on a municipal sewer project requiring layered excess capacity, this program is built to provide the necessary umbrella limits and flexible layering. Coverage Highlights and Advantages Commercial Umbrella Liability – Provides an additional layer of liability protection above qualifying underlying policies. Follow Form Excess Liability – Can follow form over eligible lead umbrellas for streamlined terms and consistency. Limits – Umbrella limits begin at $1MM with capacity up to $100MM. Excess layers can be placed from $1MM to $100MM over existing lead umbrellas. Terms are structured to accommodate high-exposure projects and strict contractual insurance requirements while remaining competitive for the trade segment. Underwriting Notes and Minimum Requirements Underwriters typically require underlying carriers to be rated A- / VII or better; limited exceptions may be considered for Employers Liability (EL) carriers. McGowan’s team evaluates each submission on its individual merits and is known for practical, creative approaches to structuring layered excess programs. Response times are generally quick when submissions are complete and clearly documented. Territories and Availability This program is available in most states across the U.S., including but not limited to: CA, FL, NY, TX, IL, GA, and PA. Coverage availability and admitted versus non-admitted options may vary by jurisdiction and carrier selection. Why Work With The McGowan Companies? The McGowan Companies bring decades of casualty and umbrella underwriting experience, strong market relationships, and access to both admitted and non-admitted capacity. Agents and brokers benefit from McGowan’s underwriting sophistication, speed to market, and willingness to tailor layered solutions that help clients meet contract and project requirements. Contact McGowan to discuss specific submissions and to determine how their Trade Contractors Umbrella Insurance program can help you place larger-limit excess liability for your contractor accounts. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for trade contractors such as electricians, HVAC technicians, roofers, masons, and other artisan trades working in residential, commercial, or municipal construction environments. What coverage limits are available?Umbrella limits start at $1MM and can go up to $100MM. Excess layers can also be written from $1MM to $100MM over qualifying lead umbrellas. Is admitted paper available?The program is available in most states, primarily on a non-admitted basis. Availability may vary by carrier and state regulations. Are there any underwriting requirements for the underlying carriers?Yes, underlying carriers generally need to be rated A- / VII or better. McGowan may consider exceptions for certain Employers Liability carriers on a case-by-case basis. How quickly can submissions be reviewed?McGowan is known for responsive underwriting. Turnaround depends on the completeness of the submission and the complexity of the risk, so include clear loss runs, contracts, and lead umbrella policy details for the fastest review. Need help placing an account? Connect with a market specialist.

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