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Offices Insurance Allstar Financial Group’s Offices Insurance program through Allstar Un...e. As a guideline from the program: casualty minimums start around $500 and um...

...d educational facilities Post offices and government facilities Nursin...xceptions with McGowan Excess & Casualty underwriters at submission. Which...

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.

...aging general agent (MGA) with 18 offices across the country and the ability t... Pennsylvania. Our appetite for Casualty can include virtually any imagina...

Expertise. Solution. Service. MAXIMUM offers a comprehensive Community Association Directors & Officers Liability insurance program tailored for residential and commercial community associations. Designed to protect board members, officers, trustees, volunteers, and property managers from claims arising from decisions made on behalf of their communities, this program offers robust coverage, flexible underwriting, and competitive terms. Ideal Accounts and Appetite This program is best suited for: • Associations with up to 1,000 units • Properties with average unit values up to $1 million Whether your client manages a suburban condominium complex or a mixed-use planned unit development, MAXIMUM can help protect their leadership teams from costly litigation and management exposures. Target Classes Eligible risks include a wide range of community associations: • Condominium association • Office park • Cooperatives (except in New York state) • Planned unit development • Homeowners association • Retail association • Mobile home park • Townhouse association Coverage Highlights and Advantages • Limits available up to $5 million • Defense for breach of contract claims • Coverage for both monetary and non-monetary claims • No exclusion for failure to maintain insurance claims (where available) • Lifetime occurrence reporting period • Manager/management company automatically named as additional insured • Defense costs outside the limit • Duty to defend with affirmative allocation wording • Third-party harassment and discrimination coverage • Employment practices liability included for associations with 10 or fewer employees • Full prior acts coverage • Softened settlement clause covering 75% of defense costs and loss if insured refuses to settle • Punitive damages covered (where insurable by law) • Access to business solution vendors offering HR services, screenings, identity theft protection, and marketing support • A.M. Best A++ rated carrier • Admitted in all states except VT (non-admitted), and not available in WV and LA Underwriting Notes • Retentions start at $1,000 • Retentions vary by state, city, and class The program is not available for the following: • Airports or airstrips • Rental associations • Builder/developer-controlled associations • Sewage treatment facilities • Condo/hotels • Storage associations • Interval ownership • Timeshares • Associations located in LA or WV • Cooperatives in NY state • Associations with more than 1,000 units or average unit values over $1 million • More than two D&O or EPL claims/circumstances in the past five years Territories and Availability This program is available in most U.S. states, including but not limited to CA, FL, TX, NY, IL, and NJ. It is not available in Louisiana or West Virginia, and is written on a non-admitted basis in Vermont. Why Work With MAXIMUM? As a wholesale brokerage with extensive experience in specialty insurance programs, MAXIMUM delivers tailored solutions, responsive service, and strong market access. Our Community Association D&O program leverages our deep industry knowledge to help you protect your clients and grow your book of business. We don’t settle for less than the best—and neither should you. Please reach out to us today by phone or email with any questions and to discuss how we can assist in this process. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include condominium associations, homeowners associations, planned unit developments, and similar community associations with up to 1,000 units and average unit values under $1 million. Are property managers covered under this policy?Yes, the manager or management company is automatically named as an additional insured under the policy. Is employment practices liability coverage included?Yes, EPL coverage is included at no additional premium for associations with 10 or fewer employees. Are defense costs included within the policy limits?No, defense costs are outside the policy limit, providing additional protection to the insured. Which states is this program not available in?The program is not available in Louisiana or West Virginia and is written on a non-admitted basis in Vermont. Need help placing an account? Connect with a market specialist.

...working with both Property & Casualty and Life & Health. We will stri...