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Home Health Care / Hospice

Manchester Specialty Programs, Inc.

Home Health Care Professional Liability Hospice Facilities Medical Professional Liability Workers Compensation Regulatory Audit Coverage + 1 more 50 states + DC

Description

Total business coverage solution for home care, hospice and medical staffing firms. All lines with "A" rated or better carriers available on a national basis. Underwriting and programs team has over 25+ years of experience in specialty programs and allied health care. Coverage includes Professional Liability, Workers' Compensation, Business Package ...

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Has Pen

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Non-Admitted

 

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Manchester Specialty Programs, Inc.

5 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

Covered

Not Covered

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Preferred Silver Listing
Aviation Insurance

Plimsoll Specialty Markets, LLC

Aviation Aircraft Aircraft Builders Risk Aviation Workers Comp Airplanes Helicopters Airports Commerical Aircraft Corporate Aircraft 50 states + DC

Description

Wholesale Aviation Insurance Broker: We are a seasoned group of aviation insurance executives with the ability to place everything from an airline to a light aircraft, from an airport to a baggage handler and from a major airframe manufacturer to a small non-critical component manufacturer. We also have a great ...

Details

$2B Maximum Premium

$1M Minimum Premium

Carrier Information

All major aviation insurance underwriters

Admitted

 

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Plimsoll Specialty Markets, LLC

18 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 Silver Listing
FedEx Ground Delivery Insurance - SAGE Program Underwriters

SAGE Program Underwriters

Workers Comp Parcel Delivery FedEx ICs Package Delivery Delivery Specialized Delivery 44 states

Description

At SAGE Program Underwriters, We Are Experts in Underwriting: - FedEx Ground ISP or TSP Contractors - P&D - Line Haul - No radius restrictions - Amazon - Line Haul Only - No DSP's The SAGE Advantage Our unmatched industry expertise puts us ahead of the competition. - ...

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Has Pen

Appointment Required

Carrier Information

Multiple

Admitted

Rating "A- IX and Higher

 

Rating By AM Best

 

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SAGE Program Underwriters

17 listings in 45 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

Covered

Not Covered

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Preferred Silver Listing
Parcel Delivery - SAGE Program Underwriters

SAGE Program Underwriters

FedEx ICs Workers Comp Parcel Delivery Package Delivery Mail Delivery Specialized Delivery Delivery Van 44 states

Description

At SAGE Program Underwriters, We Are Experts in Underwriting: - FedEx Ground ISP or TSP Contractors - P&D - Line Haul - No radius restrictions - Amazon - Line Haul Only - No DSP's The SAGE Advantage Our unmatched industry expertise puts us ahead of the competition. - ...

Details

Has Pen

Carrier Information

Multiple

Admitted

Rating "A-IX and Higher

 

Rating By AM Best

 

Offered By

SAGE Program Underwriters

17 listings in 45 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

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Not Covered

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Preferred Silver Listing
FedEx Ground Delivery Contractors - SAGE Program Underwriters

SAGE Program Underwriters

FedEx ICs Workers Comp Parcel Delivery Delivery Delivery Van Mail Delivery Package Delivery Local Delivery 44 states

Description

At SAGE Program Underwriters, We Are Experts in Underwriting: - FedEx Ground Contractors - P&D - Line Haul - No Radius Restrictions - Amazon Contractors - Line Haul Only - NO DSP's The SAGE Advantage Our unmatched industry expertise puts us ahead of the competition. - Access to exclusive ...

Details

Has Pen

Carrier Information

Multiple

Admitted

Rating "A-IX and Higher

 

Rating By AM Best

 

Offered By

SAGE Program Underwriters

17 listings in 45 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

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Not Covered

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Preferred Silver Listing
Firearms Manufacturing Work Comp - SAGE Program Underwriters

SAGE Program Underwriters

Firearm Manufacturing Firearms Gun Manufacturers Gun Range Shooting Ranges Outdoor Shooting Range Indoor Shooting Range Gun Shop Shooting Clubs + 1 more 44 states

Description

SAGE is the leading workers' compensation provider for the shooting sports industry.  We created the first national WC program for this great industry back in 2006 and have over 50 years of insurance program expertise.  This is a very complex industry and you need to work with the best. We ...

Details

Has Pen

Carrier Information

Admitted

Rating A- XI

 

Rating By A.M. Best

 

Offered By

SAGE Program Underwriters

17 listings in 45 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

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Not Covered

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Preferred Silver Listing
Shooting Ranges Work Comp - SAGE Program Underwriters

SAGE Program Underwriters

Guns Shooting Ranges Shooting Clubs Outdoor Shooting Range Indoor Shooting Range Firearms Firearm Manufacturing Workers Comp Gun Shop Gun Range 44 states

Description

SAGE is the leading workers' compensation provider for the shooting sports industry.  We created the first national WC program for this great industry back in 2006 and have over 50 years of insurance program expertise.  This is a very complex industry and you need to work with the best. We ...

Details

Has Pen

Carrier Information

Rating A- XI

 

Rating By A.M. Best

 

Offered By

SAGE Program Underwriters

17 listings in 45 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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Preferred Silver Listing
Ammunition Manufacturers Work Comp - SAGE Program Underwriters

SAGE Program Underwriters

Ammunition Firearm Manufacturing Guns Gun Manufacturers Indoor Shooting Range Sporting Goods Outdoor Shooting Range Workers Comp Gunsmith Shooting Clubs 44 states

Description

SAGE is the leading workers' compensation provider for the shooting sports industry.  We created the first national WC program for this great industry back in 2006 and have over 50 years of insurance program expertise.  This is a very complex industry and you need to work with the best. We ...

Details

Has Pen

Carrier Information

Admitted

Rating A- XI

 

Rating By A.M. Best

 

Offered By

SAGE Program Underwriters

17 listings in 45 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

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Not Covered

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Construction - Monoline Workers Compensation

Risk Innovations, LLC

Artisan Contractors Monoline Workers Comp Janitorial Heavy Construction New Ventures Steel Erection Roofers Work Comp Masonary Contractors 47 states

Description

Our largest class code for Workers' Compensation business is construction.  We're seeing success placing the following: • new venture construction companies • artisan contractors - electricians, plumbers, carpet and tile installation • janitorial • heavy construction - steel erectors, roofers (commercial and residential), foundations, masonry ...

Carrier Information

 

Offered By

Risk Innovations, LLC

4 listings in 47 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

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Not Covered

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LumberPro Worker's Compensation Program

Novum Underwriting Partners

Lumber Lumbering Lumberyards Woodyard & Sawmill Wood Industry Workers Comp Wood Products Pallet Manufacturing Building Materials Cabinet Shop Workers Comp + 1 more 48 states

Description

Novum Underwriting Partners represents multiple A.M. Best A (Excellent) carriers whom provide workers compensation to the Lumber, Wood Products, and Building Material industries. We also offer a workers compensation dividend option to those who qualify. Novum’s experience in the wood and lumber industry is second to none. Our expertise is ...

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Appointment Required

Carrier Information

Admitted

 

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Novum Underwriting Partners

2 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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Parcel Delivery - Workers Compensation

Omaha National

Parcel Delivery Mail Haulers Mail Delivery Package Delivery Delivery Van A Rated Workers' Comp / Payroll Service Workers Compensation 11 states

Description

Omaha National provides tailor-made solutions designed to meet the needs of each client. We do everything in-house and offer three payment options which include 12 monthly installments, monthly self reporting, or pay in real-time with one of our three payroll programs. We are open to high mods and and entertain ...

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Appointment Required

Carrier Information

PPIC, Palomar, Omaha National Insurance

Admitted

Rating A- (Excellent) VII

 

Rating By AM Best Company

 

Offered By

Omaha National

10 listings in 11 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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Automobile Repair - Workers Compensation

Omaha National

Auto Body Auto Transporters Auto Maintenance Repair Auto Parts A Rated Workers' Comp / Payroll Service Workers Compensation 11 states

Description

Omaha National provides tailor-made solutions designed to meet the needs of each client. We do everything in-house and offer three payment options which include 12 monthly installments, monthly self reporting, or pay in real-time with one of our three payroll programs. We are open to high mods and and entertain ...

Details

Appointment Required

Carrier Information

PPIC, Palomar, Omaha National Insurance

Admitted

Rating A- (Excellent) VII

 

Rating By AM Best Company

 

Offered By

Omaha National

10 listings in 11 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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Machine Shops - Workers Compensation

Omaha National

Machine Shops Workers' Comp / Payroll Service Workers Compensation A Rated Metal Recyclers Metal Manufacturers Metalworking Scrap Metal 11 states

Description

Omaha National provides tailor-made solutions designed to meet the needs of each client. We do everything in-house and offer three payment options which include 12 monthly installments, monthly self reporting, or pay in real-time with one of our three payroll programs. We are open to high mods and and entertain ...

Details

Appointment Required

Carrier Information

PPIC, Palomar, Omaha National Insurance

Admitted

Rating A- (Excellent) VII

 

Rating By AM Best Company

 

Offered By

Omaha National

10 listings in 11 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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Admitted Companies All lines

KZ Insurance Brokerage, LLC

Commercial Package Condo Association Package BOP Technology Hi Mod Workers Comp Preferred Workers Comp Commercial Auto 26 states

Description

Worker Comp and P & C , Auto, Professional... we can do it. We are the Brokerage that works hard for you and your clients! give us a call (916) 781-6000 or e-mail Info@kzib.com We have admitted markets and can do book transfers. We offer special commissions on ...

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Has Pen

Appointment Required

Carrier Information

BHHC, Hartford, Travelers, and Several others

Admitted

Rating A++

 

Offered By

KZ Insurance Brokerage, LLC

9 listings in 27 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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EquityComp™

Applied Underwriters, Inc.

Workers Compensation Workers Comp Professional Liability Transportation Contractors New Construction Manufacturing Homeowners Hard To Place + 1 more 50 states + DC

Description

Applied Underwriters designs workers’ compensation insurance and risk management solutions for businesses across the U.S. All classes, all states, all business sizes, broad acceptance. Insurance carriers rated A- (Excellent) by AM Best Company.

Carrier Information

North American Casualty, California Insurance Company, Continental Indemnity Company

Admitted

Rating A- (Excellent)

 

Rating By A.M. Best

 

Offered By

Applied Underwriters, 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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Pest Control Insurance Program

Ryan Specialty National Programs

Pest Control Exterminator Pest Control Workers Comp Termite Inspector Fumigation Termite Control Small Animal Control 50 states + DC

Description

Pest control operators protect businesses and residents from the destructive nature of undesirable insects and animals. Unfortunately, these companies need to worry about more than rodents, bed bugs and termites. Our Pest Control insurance program supports their exposures with the following coverage options: General Liability, Professional Liability, Crime, Property Damage, ...

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Has Pen

Appointment Required

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Admitted

Non-Admitted

 

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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Security Professionals

Brownyard Group

Security Guards Security Patrol Security Products Security Professional Security Officer Security Guard Liability Guards Security Guard Workers Comp + 1 more 50 states

Description

Security professionals are exposed to various risks while working to keep others safe, so it is important that they have insurance coverage that understands their unique needs. Brownyard’s Brownguard® program offers General Liability (Incl. E&O), Commercial Excess, Workers Comp, Business Auto, Commercial Property, Inland Marine and Crime coverage. ...

Details

Has Pen

Carrier Information

Admitted

Rating A+

 

Rating By A.M. Best

 

Offered By

Brownyard Group

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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Transportation Workers Compensation Programs

Freedom Risk Insurance Services

Trucking Workers Comp Auto Haulers Non-Emergency Medical Transportation Garbage Hauler Moving Livery Sand And Gravel Delivery Fuel Tankers Dump Trucks 50 states + DC

Description

Standard Markets & Professional Employment Organization markets focused on Transportation. Target Classes: • Long Haul/Short Haul Trucking • Garbage Haulers • Non-Emergency Medical Transport • Sand & Gravel • Auto Transports • Livery • Moving & Storage • Local Delivery • Fuel Tankers • *High Mods, Startups, Gaps in ...

Details

$100M Maximum Premium

Appointment Required

Carrier Information

Admitted

 

Offered By

Freedom Risk Insurance Services

11 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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Construction Workers Compensation Programs

Freedom Risk Insurance Services

Electrical Steel Erection Carpentry Plumbing Roofing Contractors Flooring Workers Comp Concrete Contractor Drywall Contractor Painting Contractor + 1 more 47 states

Description

Freedom Risk an industry leader in hard to place Workers Compensation.  Specializing in construction classes for high risk industries. The State Plan is not your only option! Target Classes: • Painting • Roofing • Structural Steel/Iron • Carpentry • Drywall • Solar • Plumbing • Electrical  *Startups, ...

Details

$10M Maximum Premium

Appointment Required

Carrier Information

Ryan Wakefield

Admitted

Rating A

 

Offered By

Freedom Risk Insurance Services

11 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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Manufacturing Workers Compensation Programs

Freedom Risk Insurance Services

Manufacturing Machine Shops Plastic Manufacturers Drill Pipe Casing & Tubing Forming High Mod Work Comp Clothing Food Manufacturer Excursions 47 states

Description

Exclusive programs for Manfacturing accounts.  All types considered. *Start ups *Gaps in coverage * High Experience Modifers Our goal is to never say no!

Details

$15K Minimum Premium

Carrier Information

 

Offered By

Freedom Risk Insurance Services

11 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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