ARROWHEAD General Insurance Agency, Inc. is a national insurance program manager and we have teamed up with the country's top rated insurance carriers to proudly offer quality insurance products to our nationwide network of independent producers.
ARROWHEAD and our family of employees invite insurance companies and agencies from coast to coast to GROW with us.
Established in 1983
Wholly-owned TPA claims services with American Claims Management, Inc.
700 employees
$800 million written premium
20 commercial and personal insurance products
23 financially strong carriers
DISTRIBUTUION & MARKETING MUSCLE
14 marketing reps
3,200 agencies with 6,000 locations nationwide
Insurance companies
Lender-affiliated agencies
Large national brokers
Wholesalers
Online aggregators
Agency networks
Local independent agents
SELLING PRODUCTS ONLINE SINCE 1999 AT ARROWHEADEXCHANGE.COM
1.4 million transactions a year
8,000 online endorsements and binds 14,000 policies monthly
95% of all personal lines transactions are through ArrowheadExchange.com
Auto Services Commercial Package, formerly by Universal Underwriters. Submit up to $125k total account premium, most states (instant online quotes to $50k). Mechanical/collision repair, retail tire & stereo stores, more.
Express Package provides specialized commercial insurance coverage with decades of industry experience. Offer your clients a commercial package with an Admitted A+ (XV) rated carrier by A.M. Best Company. Submit accounts in any size in total account premium and receive instant online quotes on qualified accounts below $50,000.Available in all states except FL, LA and TX.
Target Classes of Business
Auto Body/Collision and Repair Shops
Auto Glass Repair/Installation Shops
Auto Quick Lube Shops (oil and lube)
Brake Shops
General/Mechanical Repair
Muffler Shops
Retail Auto Parts and Accessories Stores (new parts only)
Retail Tire Stores
Note: Our program for towing and other classes not mentioned requires production commitment and contract. Please click here for product information.
Coverage Highlights
Business Auto Liability and Physical Damage
Crime – employee dishonesty, forgery or alteration, money and securities
Committed to the small-to-medium sized commercial market, Core Commercial delivers innovative risk management products and services. A deep level of specialization within our chosen markets. A dedicated team of commercial underwriters focused on providing flexible solutions. All at competitive prices.
Arrowhead Advantage BOP can be rated, quoted and bound online. Arrowhead Advantage Package is for more complex accounts. Both are available for accounts under $100,000 in annual premium.
Coverage Highlights
Arrowhead Advantage BOP
Arrowhead Advantage BOP and supporting lines such as Commercial Auto, Workers' Compensation and Umbrella, when written together, will operate as 'instant issue', also known as straight-through-processing, with a design that will provide for a high percentage of accounts to be issued without any underwriting referral.
Arrowhead Advantage Package applies to a broader range of risk types and risks types and that are more complex than is appropriate for BOP. Applications for Arrowhead Advantage Package are also made through Arrowhead Exchange via an upload feature.
Introduced in 1997, this program provides comprehensive coverage for contractors, manufacturers, and wholesalers in railroad service and support industries.
• Admitted Market, A+ XV • Automatic protection for work within 50 feet of the track • Commercial Auto coverage – including coverage for Hi Rail units • Per-project aggregate available • Excellent loss control and claims services • Flexible Direct Bill payment options
TARGET CLASSES OF BUSINESS
• Track construction, maintenance & repair • Tie removal and disposal • Spur line upgrades • Freight forwarding loading/unloading • Railcar cleaning, maintenance & repair • Railcar and part manufacturing • Distributors of railroad related parts, supplies, & equipment.
Arrowhead's Residential Earthquake insurance program is designed to provide better earthquake insurance options for California home and condominium owners. Providing earthquake products since 2000, Arrowhead has a reputation for being an innovator in the residential earthquake insurance marketplace. Arrowhead has developed EQ products which provide some of the broadest coverages available with the lowest deductible options, while maintaining competitive pricing. Often imitated, never duplicated, Arrowhead commits to maintain a position at the leading edge of earthquake insurance.
Target Markets:
Product offerings target a wide range of risks from newer or retrofitted structures built on flat ground to older non-retrofitted structures on steep slopes. Arrowhead has an EQ product to accommodate almost any residential EQ risk.
Carriers:
Palomar Specialty, QBE, Universal North America, Zurich
We offer a personal auto program ranging from clean drivers to drivers with minor and major accidents and violations. We provide longevity in our markets as well as a complete personal auto management solution that has a proven positive underwriting result over 20 years. We provide online risk submission and producers tools via www.ArrowheadExchange.com, our secure online portal. We also offer non-credit scored competitive rates and superior customer service. Limits vary by state.
States:
AL, GA, MI and SC
Program Highlights:
Admitted “A” rated carriers
Competitive rates
Permissive use policy
International driving experience accepted
Six and 12 month policy terms, easy payment plans
Discounts include multi-car, good driver, good
student, mature driver and renewal discounts
Other coverages available include collision deductible waiver, lienholder deductible options, towing and labor and rental reimbursement
Auto Parts Recycling
Auto recyclers commercial package includes property, commercial auto, general liability, crime, inland marine, umbrella. “A” rated carrier (formerly Universal Underwriters). Easy submissions. Competitive rates. Industry experts. U-pull operations accepted*.
The ideal automotive recycler dismantles autos and sells used auto parts to automotive repair shops and general consumers. Arrowhead will also cover U-pull operations, if proper controls are in place to mitigate losses from on-site customers.
COVERAGE HIGHLIGHTS
Property
Building Coverage
Business Interruption/Extra Expense
Business Personal Property (BPP) – Inside stock and equipment
Stock in the Open
Equipment Breakdown Protection
Property Basket Plus Endorsement (Demolition expenses, additional coverage for increased construction costs, pollutant clean-up and removal, select crime coverages)
General Liability
Third-Party Product Recall Liability
Employee Benefits Liability
Injury occurring from a product sold or service provided
Coverage for vacant land and leased properties
Crime
Employee Dishonesty
Forgery or Alteration
Theft (in and out)
Commercial Auto
Liability and Physical Damage
Garagekeepers liability (direct or legal liability basis)
Inland Marine
Mobile Equipment and Cargo Liability Commercial Umbrella
Liability limits up to $5M
PRODUCT DETAILS
Max limit: ??? No premium limit
Carriers: Zurich and Great American
Admitted: Yes
COMPANY CONTACT
Website: www.ArrowheadGrp.com
Phone: 800-669-1889 x8733
Arrowhead General Insurance Agency, Inc. is your one-stop shop offering a variety of stand-alone California Personal Property products under one roof. Top-rated carriers provide all coverages and online quoting is easy at ArrowheadExchange.com.
HOMEOWNERS HO3 Coverage Highlights
Coverage A limits up to $1 million
25% or 50% extended replacement cost options available for all homes 1930 and newer
Arrowhead General Insurance Agency, Inc. is your one-stop shop offering a variety of personal property products under one roof. Top-rated carriers provide all coverages, and online quoting is easy at ArrowheadExchange.com.
Highlights
Coverage A limits up to $1 million
Coverage C limits up to $500,000
Coastal capacity where applicable
Secondary/seasonal dwellings acceptable on a stand-alone basis in most states
One to four family dwellings acceptable in most states
Stand-alone DP3 programs with no maximum on the number of dwellings
Primary, secondary and rented condominiums where applicable
Arrowhead’s Tribal Program was created in 1987 as the Program for Sovereign Indian Nations, with the assistance of Native American attorneys and tribal administrators.
We work with a select group of agents and brokers nationwide who specialize in placing tribal coverage
We only work with top rated insurance companies with “A” ratings or higher
We provide meaningful risk management to help mitigate your tribe’s risks
Arrowhead’s in-house claims team understands tribal law, tribal courts systems, FTCA protection and tribal sovereignty claim issues
Services
We understand the exposures and special circumstances associated with tribal governments, gaming operations and tribal enterprises. Our objective is to help you reduce your losses through technical knowledge, experience and personal service.
Training and education
Security and public safety
Employment practices
Fleet and driver management
OSHA and other compliance issues
Risk management program development
Maintenance programs
Life safety code requirements
Building valuations
Coverages
Comprehensive Property Coverage
General, liquor and professional liability (Police Professional, Health Care Professional, Tribal Officials E&O, Employment Practices Liability, Cyber Liability and Fiduciary Liability)
Tribal workers’ benefits (including Guaranteed Cost and Loss-Sensitive options)
Auto physical damage and liability (specifically tailored to address unique tribal nation automobile exposures)
Excess Liability (offering limits for all primary policy coverage extensions including Sexual Misconduct, Errors & Omissions and Employment Practices Liability)
Inland marine and coverage for mobile equipment, machinery, tools for logging and wood product industries. Broad appetite. Fast quotes. A+ carrier. No premium commitments. High limits capacity.
Commercial auto coverage for selected Logging Contractors
For Commercial Auto Appointment and Submission information please contact
Donald Fiorini
Business Development Leader
Arrowhead General Insurance Agency
dfiorini@arrowheadgrp.com
404 904 0100
Valiant Insurance Services, LLC is a new breed of aggregator specializing in finding alternative solutions through top-rated carriers for your Workers’ Compensation submissions. By working with Valiant, you’ll have access to 9 Admitted “A” rated carriers offering solutions for over 300 class codes, as well as high ex-mods, new ventures, and multi-state accounts.
Our specialties include:
Automotive Service and Repair
Construction/Contractors
Habitational
Healthcare
Hospitality
Manufacturing
Mercantile
Schools
Transportation/Delivery
Access our markets:
Agencies must have an established workers’ compensation book at the time of contracting. To discuss existing markets and the appointment process, contact RYoung@ValiantInsuranceServices.com.
Manufactured Housing Community and RV Park Program
Arrowhead offers Property & Liability for manufactured home communities, dealers and RV parks, with enhanced coverage for the industry's unique exposures. Turn to us for multi-state coverage, property CAT exposure availability, competitive rates, admitted paper.
Program Highlights
Carrier is AXIS Capital, rated A+ by A.M. Best
GL extensions giving aggregate limits per location and automatic additional insured wording
Umbrella coverage available
Debris removal included; refer to endorsement for specific limits
Dealer physical damage coverage on homes for sale
Coverage available for manufactured home dealers with used home sales
If your clients provide security and safety equipment, systems, installation, service or monitoring, Arrowhead’s Security and Alarm Program has you covered. "A" rated carrier, affordable premiums - and no membership fees or complicated forms. Our insureds include contractors, electricians, monitoring companies, consultants and other electronics systems professionals.
Program Highlights
Broad, customized GL and E&O insurance specific to your industry
"A" rated insurance acceptable to any vendors (carrier: Underwriters at Lloyds)
Veteran underwriters with 12+ years of experience
The ability to quickly manuscript endorsements and certificates to meet vendor, property manager and certificate holder requirements
Broad coverage for difficult exposures like Personal Emergency Response Systems (PERS) and medical monitoring
The Booksellers Insurance Program was created with the American Booksellers Association (ABA) to support the unique needs of bookstores and other specialty retailers.
With industry professionals who are knowledgeable and responsive, we will help you select the coverage that best suits your retail business.
The professionals at Arrowhead General Insurance Agency, Inc., a national leader in insurance solutions, manage The Booksellers Insurance Program and provide quick, no-hassle claim resolution.
COVERAGE HIGHLIGHTS
Liability limits up to $2 million per each occurrence / $4 million per aggregate
Personal and advertising injury up to $2 million per occurrence/ $4 million aggregate
Business interruption loss coverage for up to 12-months
Business personal property at newly acquired premises
Medical payments
Computer equipment/ software
Coverage for cafés/ restaurants
Outdoor signs
Liquor liability
Cyber liability
Employee benefits liability
Employee dishonesty
Fine arts
Glass - interior/ exterior
Hired and non- owned auto liability
Tenants' legal liability
Theft
Used and rare books
Valuable papers/ accounts receivable
Business personal property seasonal increase
New store benefits
Additional coverage includes workers' compensation, commercial auto, umbrella, and property policies
A wide range of deductible options are available
Liability limits up to $2 million per occurrence/ $4 millions per aggregate
Instant Quotes available on eligible accounts below $20,000
Upload your client's Acord 130 to avoid duplicate data entry and transfer the application directly into our quoting platform, www.ArrowheadExchange.com. By pre-populating your online submission in just three easy steps, the quoting process becomes more efficient with fewer mistakes.
We offer the country's top-rated insurance carriers, competitive rates, underwriting expertise, and above industry standard commisions.
Targeted Classes of Business
Agriculture*
Automotive Service & Repair
Construction/Contractors
Habitation
Hospitality
Manufacturing
Mercantile
Office & Professional Services
Restaurants
Transportaion/Delivery
Trucking up to 500 mile radius
*California accounts up to $20K require a separate appointment with industry specific premium commitment
Claims: A Value-Add Service
You and your policyholders will benefit from superior claims handling through American Claims Management Inc. (ACM), our wholly owned subsidiary. As a carrier-minded claims administrator, ACM works hard to ensure claims are closed out quickly. ACM's dedicated team offers a fully integrated line of claims and cost-containment services for your clients including:
24/7 online, real time claims reporting, loss runs and plan of actions
If your client has risks in the transportation of goods, Bellingham Underwriters, Arrowhead’s commercial transportation experts, can help.We write motor carriers hauling a product for-hire as well as private motor carriers hauling their own goods. Our appetite is broad because our knowledge and experience are extensive.
States: Alaska, Arkansas, Arizona, California, Colorado, Idaho, Illinois, Indiana, Iowa, Kansas, Missouri, Montana, Nebraska, New Mexico, Nevada, North Dakota, Oklahoma, Oregon, South Dakota, Utah, Washington, Wisconsin, Wyoming.
Container haulers/Intermodal - Drayage container haulers in the Ports of Los Angeles/Long Beach and Portland (not Oakland or Seattle)
Dirt, rock, sand and gravel - DRSG of all kinds (including “dirty dirt”) in most territories but not in certain urban areas, including urban Los Angeles, San Francisco or Denver)
Dry Bulk Goods - dry cement, lime, ash, etc.
Dry van - Regional hauls with fixed regular routes
Equipment Haulers - including oversized/overweight haulers with specialty configuration and equipment
Flatbed - Building materials, steel, rebar, lumber, heavy equipment
Hazmat - carriers of petroleum or other classified hazardous materials (will not write pollution coverage on petroleum haulers)
Log haulers - For-hire and private log haulers, either finished lumber or raw logs
LTL haulers – “Less Than Truckload” risks
Mixed use classes - All mixed operation classes (for example, partial agricultural and sand and gravel or partial flatbed and produce, etc.)
Recyclables and refuse haulers - Residential recyclers and refuse haulers
Refrigerated haulers –Regional hauls with fixed, regular routes
Tanker haulers - Dairy operations, milk processed or raw, water, syrups, molasses, liquid fertilizers (not petroleum and gasoline haulers)
US Mail -Contract haulers for USPS
Vineyard - Truckers associated with grape production, hauling, bottling and processing
Program Highlights
Auto Liability
- Limits up to $2,000,000 CSL
- Including Non-Owned and Hired Auto Liability
Physical Damage
- Maximum value any one vehicle $200,000 / Train $250,000 (train being the sum of a tractor or trailers)
Truckers GL
- Limits up to $1,000,000 each occurrence/$2,000,000 annual aggregate for BI and PD
- Limits up to $100,000 Fire Legal Liability
- Limits up to $25,000 Medical Payments
Motor Truck Cargo
- Limits up to $150,000 any one item/$250,000 any one accident or loss
Contractors Equipment
- $200,000 any one item / $500,000 any one accident or loss
Property
- $500,000 TIV any one location for Building and Personal Property combined
Program Highlights
Automatic Additional Insured and Loss Payee form on all policies
Multiple direct bill payment options available
Complimentary loss control services for fleet accounts
This program’s target is directed toward for-profit emergency and non-emergency medical ambulance companies operating Type I, Type II, Type II, with some flexibility towards Ambulettes or passenger/wheelchair vans used for paratransit if less than 20% of total operations. Our unique product creates a stable, long term market that is more sensitive to real variance in risk which in enable us to offer competitive pricing. We have the ability to offer a full package in a single product.
STATES
All except AK, FL, HI, KY, MA, MI, NY and VA
TARGET MARKETS
Class I, II and III ambulances
Ambulettes or passenger vans used for paratransit if less than 20 percent of total operations
Service vehicles associated with commercial operations
Private passenger type vehicles owned by a Corp, LLC or partnership and used for business purposes
For profit ambulance companies
First response/paramedics operating as independent contractors and not affiliated with a fire department, hospital or municipal entity
COVERAGE HIGHLIGHTS
Commercial Automobile
Auto Liability: $1 million CSL
UM/UIM: State specific limits
Med Pay: $10,000
PIP: Statutory
Physical Damage: $175,000/vehicle and $5 million total fleet value
General Liability
$1 million per occurrence/$3 million annual aggregate
Fire Legal: $500,000
Med Pay: $10,000
Incidental exposure to schools/classrooms including First Aid classes
Medical directors when written as part of a service company
Incidental lessors risk properties
Incidental auto repair services for others
GKLL: $1 million max per location
EPLI coverage available
Abuse/molestation coverage
Inland Marine
Miscellaneous medical service equipment including defibrillators, radios, EKG’s, respirators, monitors, gurneys and stretchers
Support equipment including ATV’s, bariatric lifts, portable boats and powered cots
Tools used for vehicle and equipment maintenance
Excess
Follow Form Excess
Options up to $4 million Auto CSL and $4 million per occurrence/$6 million annual aggregate GL
Property
Building, Business Personal Property and Business Income coverages
Building over 20 years old need current updates to wiring, HVAC, plumbing and roof
Cyber Liability and Data Breach Response
Information Security & Privacy Liability - aggregate limits up to $1MM
Privacy Breach Response Services - limits up to $500K
Medical Malpractice
Limits up to $5 million per occurrence/$7 million annual aggregate
Currently valued loss runs for the prior four years valued within the last 60 days of submission
Current vehicle list with year, make, model, VIN, value, passenger capacity and usage
Drivers list to include date of hire and certification and/or safety programs completed (where applicable)
While MVR’s are desired at time of quotation, they are not required. However, current dated MRVs will be needed prior to binding; ultimate pricing is dependent on review of actual MVRs
No longer charging for most midterm driver additions
**Drivers falling outside of acceptable driver guidelines may still be subject to additional premium charges and/or be subject to restrictions up to and including exclusion
Lloyd's Auto Physical Damage and Cargo - Bellingham
Bellingham Underwriters has long been one of the most stable and reliable underwriting management firms in the country. We have broadened our ability to provide creative solutions with the addition of our Lloyd’s Auto Physical Damage and Motor Truck Cargo program. Our Lloyd’s Auto Physical Damage and Motor Truck Cargo accounts will be handled from start to finish by Bellingham Underwriters. Our approach incorporates standard policy forms, flexible underwriting, quick turnaround time and the exemplary customer service that you have come to expect.
States Covered
Arkansas, Arizona, California, Colorado, Idaho, Illinois, Montana, Nevada, Oregon, Texas, Utah and Washington
Coverage Highlights:
Auto Physical Damage: Maximum value any one vehicle $300,000 / $500,000 any one combined unit
Motor Truck Cargo: Limits up to $300,000 any one vehicle
Target Markets (not limited to)
Agricultural products – fruit, vegetables, feed, fertilizer, etc.
Autos
Building materials
Container
Dirt, rock, sand, gravel (including dirty dirt and frac sand, written selectively in urban areas)
Dry van general commodity carriers
Equipment haulers - including oversized/overweight haulers with specialty configurations and equipmemt
Flatbed (all types)
LTL freight forwarding operations
Mixed use classes - all mixed operation class (partial agriculture and sand and gravel or flatbed and produce etc)
Recycled/Refuse/Scrap Haulers - commercial recycling and refuse haulers, scrap metal haulers including metal debris removal
Refrigerated foods (regional hauls with fixed,regular routes)
Tanker Haulers - tanker haulers including wine, dairy operations, milk processed or raw, water, syrup, molasses, liquid fertilizers, petroleum (will not write pollution on petroleum haulers)
US Mail - contract haulers for USPS
Vineyard - truckers associated with grape production, hauling, bottlng, processing
Program Highlights
Claims administered by National Claims Management (current TPA for Bellingham Underwriters)
Standard Forms - Motor Carrier Form for Auto Physical Damage and Bellingham Underwriters Motor Carrier Form for Motor Truck Cargo
Valiant Insurance Services, LLC is a new breed of aggregator specializing in finding alternative solutions through top-rated carriers for your Workers’ Compensation submissions. By working with Valiant, you’ll have access to 9 Admitted “A” rated carriers offering solutions for over 300 class codes, as well as high ex-mods, new ventures, and multi-state accounts.
Our specialties include:
Automotive Service and Repair
Construction/Contractors
Habitational
Healthcare
Hospitality
Manufacturing
Mercantile
Schools
Transportation/Delivery
Access our markets:
Agencies must have an established workers’ compensation book at the time of contracting. To discuss existing markets and the appointment process, contact RYoung@ValiantInsuranceServices.com.
Valiant was founded by Arrowhead General Insurance Agency, Inc., expressly for submissions that fall outside our program parameters.
Valiant Insurance Services, LLC is a new breed of aggregator specializing in finding alternative solutions through top-rated carriers for your Workers’ Compensation submissions. By working with Valiant, you’ll have access to 9 Admitted “A” rated carriers offering solutions for over 300 class codes, as well as high ex-mods, new ventures, and multi-state accounts.
Our specialties include:
Transportation/Delivery
Automotive Service and Repair
Construction/Contractors
Habitational
Healthcare
Hospitality
Manufacturing
Mercantile
Schools
Access our markets:
Agencies must have an established workers’ compensation book at the time of contracting. To discuss existing markets and the appointment process, contact RYoung@ValiantInsuranceServices.com.
Valiant was founded by Arrowhead General Insurance Agency, Inc., expressly for submissions that fall outside our program parameters.
Valiant Insurance Services, LLC is a new breed of aggregator specializing in finding alternative solutions through top-rated carriers for your Workers’ Compensation submissions. By working with Valiant, you’ll have access to 9 Admitted “A” rated carriers offering solutions for over 300 class codes, as well as high ex-mods, new ventures, and multi-state accounts.
Our specialties include:
Restaurants
Automotive Service and Repair
Construction/Contractors
Habitational
Healthcare
Hospitality
Manufacturing
Mercantile
Schools
Transportation/Delivery
Access our markets:
Agencies must have an established workers’ compensation book at the time of contracting. To discuss existing markets and the appointment process, contact RYoung@ValiantInsuranceServices.com.
Valiant was founded by Arrowhead General Insurance Agency, Inc., expressly for submissions that fall outside our program parameters.
Valiant Insurance Services, LLC is a new breed of aggregator specializing in finding alternative solutions through top-rated carriers for your Workers’ Compensation submissions. By working with Valiant, you’ll have access to 9 Admitted “A” rated carriers offering solutions for over 300 class codes, as well as high ex-mods, new ventures, and multi-state accounts.
Our specialties include:
Roofing
Automotive Service and Repair
Construction/Contractors
Habitational
Healthcare
Hospitality
Manufacturing
Mercantile
Schools
Transportation/Delivery
Access our markets:
Agencies must have an established workers’ compensation book at the time of contracting. To discuss existing markets and the appointment process, contact RYoung@ValiantInsuranceServices.com.
Valiant was founded by Arrowhead General Insurance Agency, Inc., expressly for submissions that fall outside our program parameters.
Valiant Insurance Services, LLC is a new breed of aggregator specializing in finding alternative solutions through top-rated carriers for your Workers’ Compensation submissions. By working with Valiant, you’ll have access to 9 Admitted “A” rated carriers offering solutions for over 300 class codes, as well as high ex-mods, new ventures, and multi-state accounts.
Our specialties include:
Automotive Service and Repair
Construction/Contractors
Habitational
Healthcare
Hospitality
Manufacturing
Mercantile
Schools
Transportation/Delivery
Access our markets:
Agencies must have an established workers’ compensation book at the time of contracting. To discuss existing markets and the appointment process, contact RYoung@ValiantInsuranceServices.com.
Valiant was founded by Arrowhead General Insurance Agency, Inc., expressly for submissions that fall outside our program parameters.
Valiant Insurance Services, LLC is a new breed of aggregator specializing in finding alternative solutions through top-rated carriers for your Workers’ Compensation submissions.
By working with Valiant, you’ll have access to 9 Admitted “A” rated carriers offering solutions for over 300 class codes, as well as high ex-mods, new ventures, and multi-state accounts.
Our specialties include:
Automotive Service and Repair
Construction/Contractors
Habitational
Healthcare
Hospitality
Manufacturing
Mercantile
Schools
Transportation/Delivery
Access our markets:
Agencies must have an established workers’ compensation book at the time of contracting. To discuss existing markets and the appointment process, contact RYoung@ValiantInsuranceServices.com.
Valiant was founded by Arrowhead General Insurance Agency, Inc., expressly for submissions that fall outside our program parameters.
