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50 states + DC

Description

We can write your hard-to-place business with our excess and surplus lines pen binding authority markets. Ramsgate Insurance: Ph: 800-394-2767 ask for your Account Manager. Fax: 800-441-2667 Email: info@ramsgateinsurance.com Adult Day Care Apartments Auto Bars & Taverns / Night Clubs Churches ...

Details

Has Pen

Carrier Information

Multiple

Admitted

Non-Admitted

 

Offered By

Ramsgate Insurance/Ramsgate Brokerage Insurance Services

10 listings in 50 states + DC

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

Description

We can write your hard-to-place business with our excess and surplus lines pen binding authority markets. Ramsgate Insurance: Ph: 800-394-2767 ask for your Account Manager. Fax: 800-441-2667 Email: info@ramsgateinsurance.com Adult Day Care Apartments Auto Bars & Taverns / Night Clubs Churches ...

Details

Has Pen

Carrier Information

Multiple

Admitted

Non-Admitted

 

Offered By

Ramsgate Insurance/Ramsgate Brokerage Insurance Services

10 listings in 50 states + DC

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

High Net Worth Personal Lines

Novatae Risk Group

High Value Homeowners Jewelry High Value Yachts Luxury Homeowners Exotic Automobiles Collections Private Client Aviation Kidnap & Ransom 50 states + DC

Description

We have three admitted markets and a Lloyd's non-admitted binding facility. Competitive rates, excellent coverage options and agency service that will exceed your expectations. In house underwriters can let you know if risk is acceptable for one of our markets BEFORE you fill out all the ACORD applications and request ...

Details

$10B Maximum Premium

$500K Minimum Premium

Has Pen

Carrier Information

Admitted

 

Offered By

Novatae Risk Group

10 listings in 50 states + DC

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

The lowest LRO Umbrella Rates are here. $10M for $1,250. Quote & Bind it Now.

UmbrellaPro by Great Point Insurance

Hotels Real Estate Lessor's Risk Hospitality Apartment Umbrella Restaurant Umbrella Online Quote Commercial Umbrella Hotel Motel Small Businesses 50 states + DC

Description

Our updated Commercial Umbrella Programs are more competitive than ever for Lessor's Risk Only exposures. Limits up to $100M.  Instant Pricing Indications. Same Day Quote, Bind, Issue & Invoice. www.UmbrellaPro.com Minimum Premiums: $5M - $1,000 $10M - $1,250 $15M - $1,750 $25M - $3,250 $50M - $4,750 $100M - $6,750 ...

Details

$100 Maximum Premium

$5 Minimum Premium

Has Pen

Appointment Required

Carrier Information

Admitted

 

Offered By

UmbrellaPro by Great Point Insurance

10 listings in 50 states + DC

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

Preferred Platinum Listing
Smoke & Vape Shop Program

Breckenridge Insurance

Smoke Shops Vape Shops Vape Vapor Shops Vaporizers Vape Product Liability Ecigarette 48 states

Description

Coverage designed by those in the smoke and vape shop business. The team at Breckenridge Insurance understands the challenges of smoke and vape shop owners as our program was created by an innovator in this unique and emerging industry. With an AM Best A XV Rated Carrier, we deliver ...

Carrier Information

 

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Breckenridge Insurance

6 listings in 50 states + DC

Engaged

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

Preferred Platinum Listing
Healthcare Workers' Compensation

Amwins Underwriting

Healthcare Workers Compensation California Workers Comp Workers Comp Monoline Workers Comp Healthcare Workers Comp 50 states + DC

Description

The Amwins Underwriting division offers two programs that provide national workers' compensation coverage for the healthcare industry.  Amwins Program Underwriters’ AmeriComp Healthcare Insurance Program - Monoline workers’ compensation coverage for home health, medical staffing, hospice, nursing homes, assisted living and other miscellaneous healthcare providers (including surgery centers and ...

Carrier Information

QBE and others

Admitted

 

Offered By

Amwins Underwriting

65 listings in 50 states + DC

Engaged

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

Residential Care Facilities & Skilled Nursing Care

Lionheart Insurance Services

Adult Day Care Pharmacies Long Term Care Facilities Home Healthcare Alcohol & Drug Rehab Nursing Homes Medical Malpractice Allied Healthcare + 2 more 50 states + DC

Description

Residential and Assisted Living Facilities, Personal Care Homes, Independent Living Homes, Skilled Nursing Homes, Intermediate Care Homes and many other types of Long-Term Care Facilities. Home Health Aides, Dialysis Centers, Medical Directors, Occupational Therapists, Physical Therapy Clinics, Physician Assistants, Nurse Practitioners, Speech Therapists, Surgical Technicians, and many others. ...

Carrier Information

Admitted

Non-Admitted

 

Offered By

Lionheart Insurance Services

9 listings in 50 states + DC

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

Non-Profit Youth Organizations

Great American Insurance Group

Nonprofits Non Profits Youth Programs Youth Organizations Social Services YMCA Boys And Girls Clubs Special Education Head Start Day Care 46 states

Description

Great American Insurance Group offers a comprehensive program for Non-Profit & Social Service Organizations many of which serve our nations youth. Coverages can include general liability, property, inland marine, auto, umbrella, abuse and molestation, professional liability, crime, equipment breakdown, etc. Eligible classes include: YMCA, YWCA, boys and girls ...

Details

Has Pen

Carrier Information

Great American Insurance Group

Admitted

Rating A

 

Rating By AM Best

 

Offered By

Great American Insurance Group

6 listings in 50 states + DC

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

Health and Human Services Facility Owners Insurance Specialist

Better Options Insurance Services, LLC

Long Term Care Professional Liability Long Term Care Facilities Nursing Homes Primary Home Residential Care Hospice Adult Care Home Adult Assisted Living + 2 more 8 states

Description

Your Best Options for: All Health and Human Services Facility Owners: PLGL, Commercial Property, Workers Compensation, Commercial Auto, ELPI, and more. Agents: Direct agency access for very broad Commercial line carrier list, either joining ...

Details

Has Pen

Carrier Information

Admitted

Non-Admitted

Rating A rated

 

Rating By AM Best - Demotech

 

Offered By

Better Options Insurance Services, LLC

1 listing in 8 states

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

Difficult to Place Event Insurance

InsuranceHelper.com

Special Events Special Event General Liability Music Events Events Event Liability One-Day Special Events Halloween Events College Events Special Events Parking + 1 more 50 states + DC

Description

Our general liability event insurance program has the broadest coverage and lowest prices. This is one of the many reasons we write more event insurance than anyone in the country. • Host liquor coverage included, retail liquor coverage available. • Over 400 event classification codes. ...

Details

$255 Maximum Premium

$40 Minimum Premium

Has Pen

Appointment Required

Carrier Information

Several to Choose From!

Non-Admitted

Rating A or Better

 

Rating By AM Best

 

Offered By

InsuranceHelper.com

8 listings in 50 states + DC

Engaged

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

Event Insurance Vendor Liability

InsuranceHelper.com

Vendors Concessionaire And Vendors Corporate Vendors Event Liability Event Planners Special Event General Liability One-Day Special Events + 2 more 50 states + DC

Description

Our general liability event insurance program has the broadest coverage and lowest prices. This is one of the many reasons we write more vendor event insurance than anyone in the country. • Liquor coverage available. • Cover events up to 5,000 attendance. • Instant Coverage. ...

Details

$255 Maximum Premium

$40 Minimum Premium

Has Pen

Appointment Required

Carrier Information

Several to Choose From!

Non-Admitted

Rating A

 

Rating By AM Best

 

Offered By

InsuranceHelper.com

8 listings in 50 states + DC

Engaged

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

Special Event Insurance

InsuranceHelper.com

Special Events Special Event General Liability Event Cancellation Music Events Event Liability One-Day Special Events Sporting Events Charity Events + 2 more 50 states + DC

Description

Our general liability event insurance program has the broadest coverage and lowest prices. This is one of the many reasons we write more event insurance than anyone in the country. • Host liquor coverage included, retail liquor coverage available. • Over 400 event classification codes. ...

Details

$255 Maximum Premium

$40 Minimum Premium

Has Pen

Appointment Required

Carrier Information

Several Carriers to choose from!

Non-Admitted

Rating A or Better

 

Rating By AM Best

 

Offered By

InsuranceHelper.com

8 listings in 50 states + DC

Engaged

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

Sports Event Insurance Program

InsuranceHelper.com

Special Events Special Event General Liability One-Day Special Events Event Liability Events Race Events Sporting Event Parking Sporting Events + 2 more 50 states + DC

Description

Your team plays hard and has a lot of fun doing it. As a coach, team leader or sports instructor, the last thing you want to worry about is the financial hardship a sporting injury can cause you if a lawsuit is brought against you. • Coverage for ...

Details

$255 Maximum Premium

$40 Minimum Premium

Has Pen

Appointment Required

Carrier Information

Several to Choose From!

Non-Admitted

Rating A or Better

 

Rating By AM Best

 

Offered By

InsuranceHelper.com

8 listings in 50 states + DC

Engaged

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

Wedding Insurance Program

InsuranceHelper.com

One-Day Special Events Weddings Wedding Liability Wedding Receptions Wedding Photography Wedding Videography Events Event Cancellation Special Events + 1 more 50 states + DC

Description

Our Wedding liability and wedding cancellation event insurance program has the broadest coverage and lowest prices. This is one of the many reasons we write more event insurance than anyone in the country. • Host liquor coverage included, retail liquor coverage available. • Cover events up ...

Details

$255 Maximum Premium

$40 Minimum Premium

Has Pen

Appointment Required

Carrier Information

Several to Choose From

Non-Admitted

Rating A or Better

 

Rating By AM Best

 

Offered By

InsuranceHelper.com

8 listings in 50 states + DC

Engaged

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

Healthcare & Social Services

JM Wilson

Medical Marijuana Healthcare Professionals E&O Non-Emergency Medical Transportation Labs Clinics Adult Day Care Assisted Living Healthcare Facilities Professional Liability + 2 more 48 states

Description

Healthcare professionals work hard to care for the needs of their patients and clients.  One thing they shouldn't have to worry about is their insurance coverage.  That's why we offer quality coverage with low deductibles for many healthcare and social services classes. • General liability • Property • ...

Details

Appointment Required

Carrier Information

Admitted

Non-Admitted

 

Offered By

JM Wilson

10 listings in 48 states

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

Preferred Gold Listing
ERISA Fidelity Bonds

Surety One, Inc.

ERISA Bond Multi-employer Erisa Bond Labor Union Fidelity Bond ERISA Bond For ESOP ERISA Bond Non-qualified Assets Plan Fiduciary Bond ERISA Plan Fiduciary Bond + 1 more 50 states + DC

Description

ERISA fidelity bonds from $20,000 to $5,000,000, FAST! We bond plans with non-qualifying assets, ESOPs, KSOPs, union plans/multi-employer plans, multiple employer plans, and offer bond coverage retrodating. NO one is turned away! Surety One, Inc. is one of the largest ERISA fidelity writers in the nation. https://ERISA-Bonds.com for a quick ...

Details

$5M Maximum Premium

$20K Minimum Premium

Has Pen

Carrier Information

Multiple

Admitted

 

Offered By

Surety One, Inc.

23 listings in 50 states + DC

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

Apartments, Hotels, Restaurants

Towerstone, Inc.

46 states

Description

As an insurance agent or broker, you need quick access to diverse markets and a wide variety of managing general agency expertise. Towerstone Binding’s insurance professionals can provide access to some of the most competitive and comprehensive property and casualty markets available. Towerstone operates as an Small Business with in-house ...

Carrier Information

 

Offered By

Towerstone, Inc.

10 listings in 46 states

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

California Workers' Comp FIVE100 Program

CAWorkersCompensationInsurance.com

Workers Comp Workers Compensation California Workers Comp 42 states

Description

- Workers' Compensation Program for California - FIVE100 Program • FIVE Dividend Plans • 100% Up-Front Commissions - FIVE Dividend Plans - Our Workers' Comp Program includes five unique dividend plans offering up to 40% Return Premium. These dividend plans, often referred to as participating insurance policies, enable employers ...

Carrier Information

Admitted

 

Offered By

CAWorkersCompensationInsurance.com

1 listing in 42 states

Engaged

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

Social & Human Services

Rockwood Programs, Inc.

Social Services Human Services Social Workers Counseling Group Homes Substance Abuse Rehab Facilities Senior Centers Special Needs Sober Living 50 states + DC

Description

Social and Human Service organizations face unique challenges, and as the need for social services grows, so does the organizations’ exposures. Whether their mission is to assist those with special needs or to help those overcoming an addiction, our professional and general liability program provides legal defense and indemnity should ...

Carrier Information

Admitted

Non-Admitted

 

Offered By

Rockwood Programs, Inc.

9 listings in 50 states + DC

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

Cyber Insurance (Crypto Included)

International Underwriting Agency IUA

Cyber Computer Hacking Coverage Ransomware Technology Cyber Risk Cyber Crime Cyber Security & Privacy 24 states

Description

International Underwriting Agency has the markets that will offer full insurance solutions for Cyber Insurance & insights to protecting small to large businesses for day to day technological cyber attacks. Ask about our Crypto coverage! Cyber Coverage for all risk types: • Network & Information Security Liability • Regulatory ...

Details

Appointment Required

Carrier Information

Admitted

Non-Admitted

Rating A- or higher

 

Rating By AM Best

 

Offered By

International Underwriting Agency IUA

9 listings in 28 states

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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