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Home Health Care HNOA

Amwins Underwriting

Home Healthcare Hired & Non-Owned Auto Auto Physical Damage Commercial Insurance Driver Nurses Doctors Physical Therapy Counseling Occupational Therapy 50 states

Description

Amwins Program Underwriters’ Home Health Care HNOA program provides hired and non-owned auto liability coverage for home health care operations. This specialized HNOA program addresses the unique challenges that providers encounter while delivering essential services to patients within their residences.  Eligible accounts • Visiting nurses ...

Carrier Information

Non-Admitted

Rating A++

 

Rating By A.M. Best

 

Offered By

Amwins Underwriting

65 listings in 50 states + DC

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Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

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Not Covered

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Preferred Gold Listing
Monoline Cargo

Western Skies MGA, LLC

Towing Tow Trucks Monoline Physical Damage Cargo Auto Haulers 15 states

Description

Western Skies MGA is a licensed wholesale and E&S brokerage that specializes in insuring Towing and Auto Hauler accounts. Our premiere program is our Benchmark Insurance Company Towing Program, and also have access to the Benchmark Specialty  Insurance non-admitted program in certain states.  We also offer Monoline  Cargo and Monoline ...

Carrier Information

Benchmark Insurance Company, Benchmark Specialty Insurance, PMA, Lloyd's, Crum & Forster

 

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Western Skies MGA, LLC

5 listings in 15 states

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Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

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Preferred Gold Listing
Towing, Tow Trucks, Auto Haulers, Monoline Physical Damage, Monoline Cargo

Western Skies MGA, LLC

Auto Haulers Towing Monoline Commercial Auto Physical Damage Cargo Tow Trucks 15 states

Description

Western Skies MGA is a licensed wholesale and E&S brokerage that specializes in insuring Towing and Auto Hauler accounts. Our premiere program is our Benchmark Insurance Company Towing Program, and also have access to the Benchmark Specialty Insurance non-admitted program in certain states. We also offer Monoline ...

Carrier Information

Benchmark Insurance Company, Benchmark Specialty Insurance, PMA, Lloyd's, Crum & Forster

Admitted

Non-Admitted

 

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Western Skies MGA, LLC

5 listings in 15 states

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Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

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Not Covered

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Preferred Silver Listing
Commercial Auto Fleet

Shelly, Middlebrooks & O'Leary, Inc.

Trucking Commercial Auto Auto Auto Physical Damage Fleets Auto Liability Truckers Commercial Auto Liability Commercial Auto Physical Damage + 1 more 6 states

Description

Whether your clients manage just a few vehicles or a full fleet of trucks, Shelly, Middlebrooks & O'Leary, offers flexible coverage that works for you and your clients. Highways or byways, railways or airways. Whatever way you choose to travel, we're the driving force insuring your transportation business. ...

Details

$2M Maximum Premium

$1M Minimum Premium

Has Pen

Appointment Required

Carrier Information

A++ XV Carriers

Admitted

 

Offered By

Shelly, Middlebrooks & O'Leary, Inc.

15 listings in 7 states

Engaged
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Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

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Preferred Silver Listing
Auto Liability - (1-10 power units)

Rocklake Insurance Group, Inc.

Trucking MTC Physical Damage Auto Liability Nonfleet Truck Auto Liability 39 states

Description

Auto Liability market for non-fleet (1-10) power units offering AL limits up to $ 1 million.  Physical Damage and Cargo Coverage with combined deductible options up to $ 10,000.  Trucker's General Liability limits to $ 1million/$2million.    Additional coverages offered:  Hired and Non-Owned Auto Coverage, Trailer Interchange Coverage (UIIA and ...

Details

Has Pen

Appointment Required

Carrier Information

Canal Insurance

Admitted

Rating A-

 

Rating By AM Best

 

Offered By

Rocklake Insurance Group, Inc.

5 listings in 50 states + DC

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Availability

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

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Not Covered

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Garagekeepers' Legal Liability / Dealers Open Lot

Lancer Insurance Company

Auto Dealers Dealers Open Lot Garage Keepers Auto Physical Damage Physical Damage Car Dealers 1 state

Description

1.) Garagekeepers' Legal Liability - Physical damage (specified perils and collision) for customers' vehicles in the insured's care, custody and control; 2.) Dealers Open Lot - Physical damage (specified perils and collision) for vehicles being held for sale by an Automobile Dealer. Used Car Dealers only.

Details

$1M Maximum Premium

Has Pen

Carrier Information

Lancer Insurance Company

Admitted

Rating A-VIII

 

Rating By AM Best

 

Offered By

Lancer Insurance Company

9 listings in 50 states + DC

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Availability

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

Covered

Not Covered

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New Auto Dealers Open Lot & Package Insurance - Franchised New Car

Ryan Specialty National Programs

Franchised Auto Dealer Auto Physical Damage Physical Damage New Car Dealership Motorcycle Dealers Truck Dealers RV Dealers Dealers Open Lot + 1 more 50 states + DC

Description

Retail insurance agents can help their franchised auto dealer clients protect more than just their vehicle inventory. Ryan Specialty National Programs provides access to industry-leading carriers and competitive coverage forms which are tailored specifically to the needs of franchised auto dealers. Franchised Auto Dealers Package Program available nationwide, excluding AK, HI, ID, ...

Details

Appointment Required

Carrier Information

 

Offered By

Ryan Specialty National Programs

10 listings in 50 states + DC

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Availability

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

Covered

Not Covered

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Preferred Silver Listing
Trucking Insurance

Shelly, Middlebrooks & O'Leary, Inc.

Trucking Long Haul Trucking Auto Liability Commercial Auto Auto Physical Damage Truckers Transportation Motor Truck Cargo 5 states

Description

Whether it's hauling produce from Orlando to Oakland, or moving cattle from Kissimmee to Kansas, there's a lot riding on your clients' trucking business. With more than 60 years of experience, Shelly, Middlebrooks & O'Leary is your trusted business partner for creating long term solutions for all your trucking needs. ...

Details

$1M Maximum Premium

$10K Minimum Premium

Has Pen

Appointment Required

Carrier Information

Admitted

Rating "A++" XV

 

Rating By AM Best

 

Offered By

Shelly, Middlebrooks & O'Leary, Inc.

15 listings in 7 states

Engaged
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Availability

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

Covered

Not Covered

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Preferred Gold Listing
Transportation

FTP Inc.

Transportation Admitted Non Admitted Physical Damage Cargo Motor Truck Cargo Commercial Auto Business Auto Garage Dealers Open Lot 4 states

Description

  

Details

Has Pen

Appointment Required

Carrier Information

Various Carriers

Admitted

Non-Admitted

Rating A or higher

 

Rating By AM Best

 

Offered By

FTP Inc.

25 listings in 49 states

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Availability

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

Covered

Not Covered

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Physical Damage

Treaty Oak General Agency

Commercial Auto Physical Damage Truckers Physical Damage 2 states

Description

Treaty Oak General Agency is a managing general agency in based Texas. We specialize in transportation insurance for your commercial vehicles and cargo. We can write in multiple states for Physical Damage coverage monoline and packaged. 

Details

Appointment Required

Carrier Information

Admitted

Non-Admitted

 

Offered By

Treaty Oak General Agency

4 listings in 2 states

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Availability

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

Covered

Not Covered

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Brand New Auto Physical Damage Offering for Trucking over $1m TIV and MTC

Transportation Insurance Experts

Trucking Cannabis Auto Physical Damage Commercial Auto Physical Damage Truckers Physical Damage 12 states

Description

New Insurance Offering to the Trucking Industry.  Targeting Auto Physical Damage targeting risks $1m TIV and Above for Clean - Average performing risks.  • Admitted Paper in Al, AZ, IL, GA, IN, NM and TN • Non-Admitted in KY, NC, NE, WI, WY • Can be bundled ...

Carrier Information

Unique/ Stonegate Insurance Company

Admitted

Non-Admitted

Rating B++

 

Rating By KBRA

 

Offered By

Transportation Insurance Experts

3 listings in 42 states

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Availability

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

Covered

Not Covered

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Monoline Physical Damage

TIP National, LLC

Auto Physical Damage Physical Damage Commercial Auto Physical Damage Motor Truck Cargo Cargo Excess Terminal Physical Damage Sand And Gravel 50 states + DC

Description

Draft Authority for DOMESTIC TPA = no delay in payments of claims. • Comprehensive and Collision • Deductibles from $1,000 to $25,000 • Split Deductibles/Lower for Service Vehicles and Higher for T/T's • Excess Terminal Limits • Towing Limit up to $50,000 ...

Details

Appointment Required

Carrier Information

Lloyds

Non-Admitted

 

Offered By

TIP National, LLC

5 listings in 50 states + DC

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Availability

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

Covered

Not Covered

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Sports and Activity Insurance

MiniCo Insurance

Commercial Auto Auto Liability Physical Damage 50 states

Description

Participant accident insurance for sports, camps, events and other activities. Sports, Activities and Organizations Eligible for Coverage: Sports Leagues (Youth & Adult): • Baseball • Basketball • Flag Football • Soccer • Gymnastics • Softball • Bowling • Cheerleading • Diving • Fencing • Field Hockey • Golf • ...

Details

Has Pen

Appointment Required

Carrier Information

 

Offered By

MiniCo Insurance

10 listings in 50 states + DC

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Availability

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

Covered

Not Covered

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Truckers GL and Motor Truck Cargo

Joseph Krar & Associates, Inc.

Truckers Auto Physical Damage Truckers Physical Damage Truckers General Liability 6 states

Description

Our Truckers GL product offers liability coverage for non-toxic and non-hazardous commodities truckers (99793) Insured must carry primary commercial automobile coverage Package with Property and/or Inland Marine • General Commodity Trucker: $495 minimum premium $0 minimum deductible • Primary limits up ...

Carrier Information

 

Offered By

Joseph Krar & Associates, Inc.

10 listings in 6 states

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Availability

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

Covered

Not Covered

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Long Haul Trucking

Guardian Insurance Wholesalers, Inc.

Trucking Transportation Cargo Motor Truck Cargo Physical Damage Auto Physical Damage Commercial Auto Physical Damage General Liability Non-Trucking Liability 47 states

Description

Motor Truck Cargo/Physical Damage/Non Trucking Liability/General Liability.  New ventures with experienced drivers are welcome! Seeking risks with 1-25 trucks, drivers must be 25 or older and have 2 years verifiable experience with a Class A CDL. Coverage can be written as a package or monoline.  Competitive rates, quick ...

Details

Appointment Required

Carrier Information

Admitted

Non-Admitted

 

Offered By

Guardian Insurance Wholesalers, Inc.

7 listings in 49 states

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Availability

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

Covered

Not Covered

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Monoline Commercial Auto Liability and Physical Damage

ANCR Risk Group, Inc.

Commercial Auto Business Auto Commercial Auto Liability Commercial Auto Physical Damage Monoline Commercial Auto Liability Monoline Commercial Auto Physical Damage + 3 more 1 state

Description

ANCR Risk is a managing general agency providing commercial insurance products and services to the property and casualty industry. We are a comprehensive underwriting, loss control and claims administration company specializing in Monoline Commercial Auto Liability and Physical Damage. Visit our website here! Agency appointment required.  Learn more here Agency Appointment Requirements! ...

Details

Has Pen

Carrier Information

Admitted

Rating A- VII

 

Rating By AM Best

 

Offered By

ANCR Risk Group, Inc.

1 listing in 1 state

Engaged
View Company Profile

Availability

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

Covered

Not Covered

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Physical Damage Insurance - Commercial Trucking

Guardian Insurance Wholesalers, Inc.

Transportation Trucking Commercial Auto Inland Marine Commercial Auto Physical Damage Physical Damage 49 states

Description

Physical Damage Program with Lloyd's of London. A.M. Best “A” Rated Non-Admitted Carrier, Available in ALL States .Acceptable Commodities: Paper, Plastics, Groceries, Flatbed, Reefer and more. The program is focused on risks with 1-10 power units, including New Ventures. This Comprehensive coverage can be mono-line or written as a Combo ...

Details

Has Pen

Appointment Required

Carrier Information

Lloyd's of London

Non-Admitted

 

Offered By

Guardian Insurance Wholesalers, Inc.

7 listings in 49 states

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Availability

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

Covered

Not Covered

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Auto Insurance

Reliable Insurance Managers, Inc.

Auto Personal Auto Automobiles Auto Physical Damage Auto Liability Auto Insurance Preferred Auto 1 state

Description

We offer auto insurance for all types of drivers and vehicles. We have a standard and non-standard market. You can quote and bind online immediately. High commissions. Get appointed today. Sr-22, non-owners, ticket and accidents, DWI, no driver's license, international driver's license, no credit check, no prior insurance. Call Ryan ...

Details

$500K Maximum Premium

$30K Minimum Premium

Carrier Information

Admitted

Non-Admitted

 

Offered By

Reliable Insurance Managers, Inc.

10 listings in 50 states + DC

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Availability

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

Covered

Not Covered

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Truckers General Liability & Physical Damage

Insuranceisland

Truckers General Liability Truckers Physical Damage Truck Auto Liability Towing Companies Contractor Auto 7 states

Description

Earn highest commissions with our superior network - No quotas. Sign up with Insuranceisland to boost your agency to next level. High commissions 8 to 10% on new business and renewals. With our plethora of carriers we can place your risks and provide great service to your customers. Just ...

Details

$255 Maximum Premium

$100 Minimum Premium

Has Pen

Appointment Required

Carrier Information

Hartford

Admitted

 

Offered By

Insuranceisland

4 listings in 7 states

View Company Profile

Availability

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

Covered

Not Covered

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Small Business Commercial Auto

Pouch

Commercial Auto Fleet Commercial Auto Physical Damage Commercial Commercial Auto Liability Monoline Commercial Auto Liability Monoline Commercial Auto Physical Damage + 2 more 2 states

Description

Pouch specializes in light/local commercial auto and offers free vehicle tracking to not only provide a better rate, but it also allows the business owner to track their vehicles when they are out on the road. Benefits include - Limits to $2 million, Paid in Full (10% discount), EFT ...

Details

Has Pen

Appointment Required

Carrier Information

Pouch

Admitted

 

Offered By

Pouch

2 listings in 7 states

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Availability

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

Covered

Not Covered

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