Waive Coverage

By waiving any add-on coverage, you are agreeing that your policy will only provide coverage for the lines of business and transactions covered by your primary coverage, provided in tiers Core, Expanded, or Advanced.

• If you determine you require an add-on coverage later, you can always endorse your policy with your desired additional coverage.
• If you add additional coverage to your policy later, you will be charged a premium on a pro-rata basis for the change. A No Loss Statement may be required prior to adding additional coverage.

Personal Lines Coverage (0-25%) of Book of Business

Advice, sale, and servicing of personal lines insurance, including:

• Personal Property
• Personal auto
• Motorcycle
• Recreational vehicles
• Watercraft
• Renters
• Personal umbrella
• Pet insurance
• Travel insurance
• Residential flood insurance

Important limits:

• Coverage applies only to risks written through admitted insurance carriers located within the policy territory.
• Flood insurance claims are covered only if strict documentation and regulatory requirements are met.

Personal Lines Coverage (26-49%) of Book of Business

Advice, sale, and servicing of personal lines insurance, including:

• Personal Property
• Personal auto
• Motorcycle
• Recreational vehicles
• Watercraft
• Renters
• Personal umbrella
• Pet insurance
• Travel insurance
• Residential flood insurance

Important limits:

• Coverage applies only to risks written through admitted insurance carriers located within the policy territory.
• Flood insurance claims are covered only if strict documentation and regulatory requirements are met.

Personal & Commercial Lines Coverage

Everything in personal lines, but includes coverage to include select commercial lines.

What this covers:

• Workers’ compensation and employers’ liability
• General liability
• Products liability
• Commercial multi-peril
• Business owner’s policies (BOP)
• Commercial auto (excluding long-haul trucking)
• Commercial property
• Commercial flood

Important limits:

• Coverage applies only to policies written through admitted carriers.
• Flood coverage remains subject to documentation and compliance requirements.

Waive Coverage

By waiving any add-on coverage, you are agreeing that your policy will only provide coverage for the lines of business and transactions covered by your primary coverage, provided in tiers Core, Expanded, or Advanced.

• If you determine you require an add-on coverage later, you can always endorse your policy with your desired additional coverage.
• If you add additional coverage to your policy later, you will be charged a premium on a pro-rata basis for the change. A No Loss Statement may be required prior to adding additional coverage.

Perssonal Lines Coverage

Advice, sale, and servicing of personal lines insurance, including:

• Personal Property
• Personal auto
• Motorcycle
• Recreational vehicles
• Watercraft
• Renters
• Personal umbrella
• Pet insurance
• Travel insurance
• Residential flood insurance

Important limits:

• Coverage applies only to risks written through admitted insurance carriers located within the policy territory.
• Flood insurance claims are covered only if strict documentation and regulatory requirements are met.

Personal & Commercial Lines Coverage

Everything in personal lines, but includes coverage to include select commercial lines.

What this covers:

• Workers’ compensation and employers’ liability
• General liability
• Products liability
• Commercial multi-peril
• Business owner’s policies (BOP)
• Commercial auto (excluding long-haul trucking)
• Commercial property
• Commercial flood

Important limits:

• Coverage applies only to policies written through admitted carriers.
• Flood coverage remains subject to documentation and compliance requirements.

Expanded Personal & Commercial Lines Coverage

Designed for agents handling specialty and surplus-lines commercial risks.

What this covers:

Everything included under Personal & Commercial Lines, plus:

• Inland marine
• Medical malpractice and professional liability
• Directors & officers (D&O)
• Employment practices liability (EPLI)
• Fidelity and surety
• Crop, hail, wind, and earthquake insurance
• Non-admitted (surplus lines) commercial insurance
• Certain non-admitted personal lines products

Important limits:

• Non-admitted insurance must be placed through a licensed, unaffiliated surplus lines broker.
• No more than 10% of the insured’s revenue may come from expanded activities covered under this option.

Waive Coverage

By waiving any add-on coverage, you are agreeing that your policy will only provide coverage for the lines of business and transactions covered by your primary coverage, provided in tiers Core, Expanded, or Advanced.

• If you determine you require an add-on coverage later, you can always endorse your policy with your desired additional coverage.
• If you add additional coverage to your policy later, you will be charged a premium on a pro-rata basis for the change. A No Loss Statement may be required prior to adding additional coverage.

Life & Health Insurance Coverage

Advice, sale, and servicing of life insurance, including:

• Fixed life insurance (including indexed products)
• Accident & health insurance
• Disability income insurance
• Long-term care insurance
• Medicare Advantage
• Medicare Supplement plans
• Health & dental plans offered through a State Health Insurance Exchange (ACA plans)

Important limits:

• Coverage applies only to products issued by properly licensed, admitted insurance carriers
• Products must be approved for sale by state regulators where the transaction occurs

Life & Health Insurance Coverage (Including Annuities)

Extends Life & Health Coverage to include annuity products, including:

• Fixed annuities
• Indexed annuities

Important limits:

• Coverage applies only to products issued by properly licensed, admitted insurance carriers
• Products must be approved for sale by state regulators where the transaction occurs

Life & Health + Annuities Coverage (Including Series 6)

Extends Life & Health Coverage, including annuities, and includes:

• Variable life insurance
• Variable annuities
• Mutual funds
• Unit investment trusts
• Unit investment trusts
• Covered acts performed as a Series 6 Registered Representative

Important limits:

• Coverage applies only to products issued by properly licensed, admitted insurance carriers
• Variable product coverage applies only to activities permitted under Series 6 registration