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Non-Trucking Liability Program

5Star Specialty Programs

Trucking Non-Trucking Liability Owner Operator 46 states

Description

Five Star Specialty Programs provides a permanently leased owner/operator with a limited form of liability protection when he/she operates a covered vehicle solely for personal and non-economic purposes. Our Non-Trucking Liability/Physical Damage Program is what you've been looking for to round out your owner/operators' coverage requirements when not in the ...

Details

$1M Maximum Premium

$500K Minimum Premium

Has Pen

Carrier Information

Various

Admitted

 

Offered By

5Star Specialty Programs

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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Preferred Gold Listing
True Transport Insure - Owner-Operator Insurance for the Trucking Industry

NSM Insurance Group

Trucking Trucking Workers Comp Owner Operator 50 states + DC

Description

With more than 20 years of experience, True Transport Insure (TTI) — a best-in-class program built by NSM Insurance Group — provides high-performance owner-operator insurance programs, along with coverage for a growing list of specialty risks, including Gig OCAC and moving & storage package. TTI works with multiple A-rated carriers to provide robust coverage ...

Details

$10K Minimum Premium

Has Pen

Appointment Required

Carrier Information

Unable to disclose

Admitted

Non-Admitted

Rating A+

 

Rating By A.M. Best

 

Offered By

NSM Insurance Group

10 listings in 50 states + DC

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 Platinum Listing
Freight Broker Liability & Contingent Cargo

Amwins Underwriting

Contingent Liability Trucking Transportation Truck Contingent Cargo Property & Casualty Auto Insurance Underwriting Authority Freight Brokers 50 states + DC

Description

Truck and freight brokerage operations need coverage for the exposures presented when their clients' policies fail to respond. Our Freight Broker Liability & Contingent Cargo product helps to service this segment of the industry. We now offer freight broker auto liability, which is available without aggregate limits. Other lines of ...

Carrier Information

Lloyd's of London

Admitted

Non-Admitted

 

Offered By

Amwins Underwriting

65 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 Platinum Listing
Business Auto (Commercial)

Amwins Underwriting

Commercial Auto Transportation Food Delivery Armored Car Funeral Operations Contractors Food Trucks Couriers Delivery Boom Truck 44 states

Description

Many businesses whose primary service is not transportation have a need for a supplemental auto insurance policy to cover their employees for various needs, be it contractors and their transit between jobs or restaurants with their delivery operations. Eligible Classes • Armored Cars • Building Material Haulers ...

Carrier Information

Various

Admitted

 

Offered By

Amwins Underwriting

65 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
Occupational Accident

Rocklake Insurance Group, Inc.

Occ Acc Occupational Accident Trucking Independent Contractors 43 states

Description

Rocklake Insurance Group is proud to offer multiple carriers for your Occupational Accident needs. We have the ability to rate OccAcc for leased owner operators, even for a single driver with no prior coverage. All policies are written on a monthly recurring direct bill basis to make billing very simple. ...

Details

Has Pen

Appointment Required

Carrier Information

Multiple Carriers

Admitted

Rating A or better

 

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

Covered

Not Covered

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Vehicular Excess Liability Coverage

Gemini Transportation Underwriters

Automobiles Bus Carriers Excess Fleets Hahzmat Hazardous Leasing Trucking Umbrella 50 states + DC

Description

Whether your fleet has 50 units or 20,000 power units, we have the capability of underwriting a program tailored to your specific needs. Gemini Transportation Underwriters specializes in providing Excess Automobile Liability and Umbrella Liability insurance to businesses whose predominant liability exposure exists by way of vehicles traveling our nation's ...

Details

$5M Maximum Premium

$1M Minimum Premium

Carrier Information

Gemini Insurance Company

Non-Admitted

 

Offered By

Gemini Transportation Underwriters

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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Preferred Gold Listing
Inland Marine

DUAL North America, Inc.

Inland Marine Contractors Equipment Rented Equipment Riggers Liability Motor Truck Cargo Installation Floater 50 states

Description

DUAL's Inland Marine offering is underwritten through EIURS, a DUAL North America subsidiary. Our Inland Marine offering is an excellent product to round out your Energy, Environmental and Contractor account placements with EIURS and DUAL. We can provide broad coverages protecting against equipment loss at job sites, in transit, ...

Details

Has Pen

Appointment Required

Carrier Information

Admitted

 

Offered By

DUAL North America, Inc.

26 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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Waste & Recycling Operations

National Interstate Insurance Company

Waste Haulers Recycling Waste Disposal Waste Company Garbage Haulers Garbage Hauler Garbage Truck Recycling Facilities Trash Trash Hauler 50 states + DC

Description

National Interstate Insurance offers a full-suite of coverages tailored to fleet sized operators in the Waste & Recycling industry. We offer a range of risk options from small to large deductibles, creative solutions for National Account sized operators, as well as our rental captive - WasteCap. We look for best-in-class, ...

Carrier Information

National Interstate Insurance Company

Admitted

Rating A+ (Superior)

 

Rating By A.M. Best Company

 

Offered By

National Interstate Insurance Company

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 Platinum Listing
Dump Truck & Roll Off Program

Amwins Underwriting

Transportation Dump Truck Operations Haulers Auto Liability Auto Physical Damage Trucking Sand And Gravel Hauling Construction Materials 38 states

Description

TUMI, part of the Amwins Underwriting division, offers a nationwide insurance package for professional truckers that haul sand, gravel and other aggregate materials. Coverage is provided by "A" rated carriers from admitted and non-admitted markets.  Eligible accounts • Trucking professionals engaged ...

Carrier Information

Admitted

Non-Admitted

Rating A (Excellent)

 

Rating By A.M. Best

 

Offered By

Amwins Underwriting

65 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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Independent Contractor Programs

Avant Brokerage

Non-Trucking Liability Bob Tail Fleets Workers Comp Occ Acc Physical Damage 46 states

Description

Full insurance needs for IC's leased on to Motor Carriers including Occupational Accident with Contingent Liability, Workers Comp, Auto Physical Damage, Non-Trucking Liability plus Cargo and Supplemental medical coverages. Multiple A-rated markets in all states. Monthly billing options.

Details

$20K Maximum Premium

$20 Minimum Premium

Carrier Information

various

Admitted

 

Offered By

Avant Brokerage

7 listings in 48 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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Hard to Place Work Comp 'MGA' (PEO/Employee Leasing)

A Legacy Employer Concepts

High Mod Work Comp Workers Compensation Roofing Towing Contractors Workers Comp Health Care Workers Comp Trucking Workers Comp Security Guard Workers Comp + 2 more 50 states + DC

Description

We are a PEO/Employee Leasing 'MGA' Firm for workers compensation. Any Class Code, Any State. No Prior Coverage, Startups, High Experience Mods, High Risk Industries like: Tree Trimming, Landscaping, Trucking, Towing, Armed/Unarmed Security Guards, Construction, Demolition, Restoration, Staffing Companies, Home Health Care, Health Care Facilities, USL&H. Agency partners receive competitive ...

Carrier Information

Multiple A Rated Carriers

Admitted

Rating A

 

Offered By

A Legacy Employer Concepts

3 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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Commercial Truck Insurance

Great West Casualty Company

Trucking Transportation Owner Operator Motor Truck Cargo 47 states

Description

Great West Casualty Company specializes in truck insurance products and services. Our company was founded on a service philosophy over 60 years ago, and today our goal of meeting the trucking industry's changing needs has not changed. Our mission is to be "the" premier provider of insurance products and services for ...

Details

Has Pen

Appointment Required

Carrier Information

 

Offered By

Great West Casualty Company

1 listing 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

Covered

Not Covered

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Preferred Gold Listing
Inland Marine

Bass Underwriters

Inland Marine Contractors Equipment Fine Arts Bailee Motor Truck Cargo Equipment Dealers Warehouse Legal Liability Builders Risk Auto Physical Damage 36 states

Description

Bass Underwriters offers inland marine protection. Target Classes: • Contractors Equipment  • Bailees • Motor Truck Cargo • Auto Physical Damage • Contingent MTC • Builders Risk  • Installation Floater • EDP • Warehouseman's Legal Liability • Equipment Dealers ...

Carrier Information

 

Offered By

Bass Underwriters

20 listings in 37 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
Nationwide Physical Damage Coverage

Innovative Risk Insurance Services LLC

Long Haul Trucking Truckers Physical Damage Owner Operator Short Haul Trucking Transportation 49 states

Description

Will write hard to place risk. Will write New Ventures. Admitted and Non-Admitted markets available.  For agency appointment inquiries please email: info@innovativerisks.com

Details

$255 Maximum Premium

$255 Minimum Premium

Has Pen

Appointment Required

Carrier Information

Multiple Carriers Avaliable

Admitted

Non-Admitted

Rating A+

 

Rating By A.M. Best

 

Offered By

Innovative Risk Insurance Services LLC

6 listings in 50 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
Non-Trucking Liability

Innovative Risk Insurance Services LLC

Nontrucking Liability Bob Tail Long Haul Trucking Short Haul Trucking Owner Operator Truck Auto Liability 49 states

Description

Will write hard to place risk Including New Ventures. Admitted and Non-Admitted markets available.  For agency appointment inquiries please email: info@innovativerisks.com

Details

$500 Maximum Premium

$255 Minimum Premium

Has Pen

Appointment Required

Carrier Information

Jarrod B Huff

Admitted

Non-Admitted

Rating A+

 

Rating By A.M. Best

 

Offered By

Innovative Risk Insurance Services LLC

6 listings in 50 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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Commercial Automobile Insurance

Elite Underwriters, Inc.

Commercial Auto Auto Auto Liability Motor Truck Cargo Cargo Contingent Cargo Lease Automobiles Preferred Auto Auto Repair 4 states

Description

We have access to Commercial Automobile Business with admitted and surplus markets. Coverage includes: Fire, Theft & Collision, and Motor Truck Cargo Classes Availale: • Primary Motor Truck cargo Insurance • Excess Motor Truck cargo Insurance (including excess of Domestics Carriers) • Contingent ...

Carrier Information

Various

Admitted

Non-Admitted

 

Offered By

Elite Underwriters, Inc.

10 listings in 4 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 Gold Listing
Risk Point Franchised Auto, Heavy Truck, Motorcycle/Powersports & RV Dealer Garage Program

Risk Theory, LLC

Crime Auto Dealers Package Franchised Auto Dealer Garage Keepers Garage Liability Franchised Motorcycle Dealer Heavy Truck Dealer / Repair + 2 more 48 states

Description

Risk Point Underwriting Managers, exclusive distribution manager of the nation's largest dealer open lot program for independent agents, has expanded its offerings to include garage package coverage for franchised auto, heavy truck, motorcycle/powersports, and RV dealers. The franchised dealer garage program is tailored to meet the unique insurance coverage needs ...

Details

Has Pen

Appointment Required

Carrier Information

Pepper Snider

Admitted

 

Offered By

Risk Theory, 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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Preferred Platinum Listing
Towing Insurance Program

Amwins Underwriting

Body Shops Auto Repair Tow Trucks Fleets Towing Reposession Towing Companies On Hook Towing Salvage Auto Repossessors 43 states

Description

A package program for professional, for-hire towing companies that also engage in approved ancillary operations. TUMI, part of the Amwins Underwriting division, offers a nationwide package for towing  operators with limits up to $1M. Coverage is provided by "A" rated carriers, with tiered rating for preferred accounts. Admitted and non-admitted ...

Carrier Information

Admitted

Non-Admitted

Rating A

 

Rating By A.M. Best

 

Offered By

Amwins Underwriting

65 listings in 50 states + DC

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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Monoline Business Auto

GMI Insurance Services

Contractors Contractors Vehicles Contractors Trucks Commerical Auto Business Auto Artisans Artisan Contractors Residential Contractors Contractor Auto + 1 more 47 states

Description

GMI, a division of One80 Intermediaries, has been a premier writer of commercial auto insurance for over 40 years and has been writing Monoline Business Auto for the past two decades. Eligible accounts are automobile fleets that support business activities where the primary goal is to sell and distribute owned ...

Details

Has Pen

Appointment Required

Carrier Information

Admitted

Rating A

 

Rating By A.M. Best

 

Offered By

GMI Insurance Services

6 listings in 50 states + DC

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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Trucker's Occupational Accident/Contingent Liability

Novatae Risk Group

Trucking Owner Operator Medical Disability Accident Independent Contract Driver Occupational Accident Contingent Liability 50 states + DC

Description

This coverage provides Accidental, Medical, Life and Disability coverage for Owner Operators/Independent Contract Drivers while under "dispatch". Contingent Liability provides protection for the Motor Carrier when an Owner Operator/Independent Contractor seeks "employee status" and is awarded Workers Compensation benefits.

Details

$50M Maximum Premium

$1M Minimum Premium

Has Pen

Carrier Information

Numerous

Admitted

Non-Admitted

 

Offered By

Novatae Risk Group

10 listings in 50 states + DC

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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