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Spotlight: Captives to Remain Viable as Market Softens
Closer Look: Hard Market, Valuable Research, Public Perception & Antitrust Litigation Pressure Higher Education World
Ask the Insurance Recruiter: Viral Work Trends Q&A: A Fun Way for Your Agency to Discuss Recruiting
The Marketing Connection: Essential Steps for Insurance Professionals to Stay Ahead
The Competitive Advantage: May the Combined Ratio R.I.P. (for Measuring Profit)
Closing Quote: How to Keep Third-Party Events from Becoming FirstParty Losses
Opening Note
Homeowners Insurance Market Turns Corner
If you write personal lines—or own a home—then you know. Homeowners insurance rates are up—significantly in some states such as Texas. But better news is around the corner judging by a new industry report.
For the first time in five years, the U.S. homeowners insurance market posted a combined ratio of less than 100. While direct written premiums in the U.S. homeowners insurance market rose 13.4% in 2024 to nearly $173.1 billion, the net combined ratio for the line fell to 99.3—11.2 points better than the 110.5 ratio recorded in 2023.
The net loss ratio of 65.2% was also the lowest since 2019 and a 10.3-percentage-point year-over-year improvement from 75.5%.
Higher prices explained much of the industrywide loss and combined ratio improvements, but not all homeowners insurers grew premiums last year, according to a new report from S&P Global Market Intelligence (S&P GMI).
“Insurers’ aggressive pursuit of homeowners rate increases fueled the rise in premiums,” the report revealed. The national average rise in owner-occupied homeowner rates in 2024 rose to 11% from 9.7% in 2023, according to Market Intelligence’s RateWatch application.
S&P GMI said a ranking of the top 20 homeowners insurers based on direct written premium volume shows the three largest players—State Farm, Allstate, and USAA—each growing by double digits and reporting improved combined ratios. But in spite of what S&P GMI calculates to be a 16.4 % jump in direct premiums to $31.5 billion for the year, State Farm’s net combined ratio remained above 100, ending up at 105.4.
The report also noted that insurers’ direct loss and loss-adjusted expense ratios in 2024 rose above 90% in several states as a result of severe convective storms in the second and third quarters of 2024 and from Hurricane Helene in the third quarter.
Nebraska, which was impacted by tornadoes and hail in two separate storms last June, had the highest direct loss/LAE ratio of any state at 136.6%.
S&P GMI said in its analysis that four insurers in the top 10 of the analysis had combined ratios of over 100: Auto Owners Exchange at 117.07, Nationwide at 105.8, State Farm at 105.4, and American Family at 103.8.
‘Insurers’
aggressive pursuit of homeowners rate increases fueled the rise in premiums.’
Nationwide Mutual Insurance Co., the only company among the top 10 largest homeowners to record lower premiums in 2024 than 2023—a drop of 8.6 percent to just over $4 billion—nonetheless recorded 17.9 points of combined ratio improvement. The improved ratio, however, remained above breakeven in 2024 at 105.8.
The four lowest ratios belonged to Chubb, at 81.1; Farmers, at 85.4; Allstate, at 89.5; and Liberty Mutual, at 93.1.
Chairman of the Board Mark Wells | mwells@wellsmedia.com
Online Training Coordinator George Jack | gjack@ijacademy.com
Andrea Wells V.P. of Content
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and
& Markets
Q1 Shows ‘Clear’ Signs of Commercial P/C Softening, Says CIAB
By Chad Hemenway
According to The Council of Insurance Agents & Brokers (CIAB) quarterly survey, commercial property/casualty premiums across all account sizes in the first quarter of 2025 rose by 4.2%—down 22% from the last three months of 2024 and a “clear” signal of soft market conditions.
Though the first three months of 2025 marked the 30th straight quarter of increases across all account sizes, medium-sized accounts slowed significantly, with an average Q1 increase of 3.6%. This was down from an average increase of 6.4% just a quarter ago.
Responses from the CIAB quarterly survey indicated more carriers participating in the middle market. Competition typically pushes premiums down. Respondents said there was “more flexibility from underwriters to make accounts fit,” and that there “seemed to be more competition and carriers willing to renew flat to a moderate increase, if a ‘good risk.’”
By line of business, cyber led all others with a reported Q1 premium decrease of 2.1%. D&O liability premiums were down 1.7%, and employment practices liability was down 0.4%, according to the survey.
Commercial auto led all lines with an average premium increase of 10.4% in Q1 2025, up from 8.9% the previous quarter. Increases for commercial property slowed to just 2.9% in Q1, a more than 50% decrease from Q4 2024’s 6% increase. Competition was again cited as a reason for the more buyer-friendly conditions. Average premiums for umbrella continued an upward trend over the last year-plus, up 9.5% compared to increases
of 8.7%, 8.6%, and 7.2% the prior three quarters. Within its survey report, CIAB highlighted the impact of third-party litigation funding. Respondents said TPLF is affecting claims counts as well as premiums and coverage availability.
According to one respondent: “Nuclear verdicts increased, driving liability and excess rates. It affected the entire litigation and claims system. We are seeing awards that exhaust all tiers of limits.”
Renewal Rates Continue Upward YOY for Most Commercial Lines: Ivans Index
Premium renewal rates increased year-over-year for all major commercial lines except workers’ compensation, according to first-quarter 2025 results of the Ivans Index. Compared to fourth-quarter 2024, all lines experienced a decrease in average premium renewal rates except umbrella.
Premium renewal rate change by line of business for April 2025 highlights include:
• Commercial Auto: 8.4%, down from 8.8% the previous month.
• BOP: 8%, down from 8.2% at the end of March.
• General Liability: 4.3%, up from 3.7% in March.
• Commercial Property: 7.7%, up slightly from 7.6% in March.
• Umbrella: 9.4%, up from 9.3% in March.
• Workers’ Comp: -1.8%, down from -1.5% the prior month.
Released monthly, Ivans Index is a data-driven report of current conditions and trends for premium rate renewal change of the most placed commercial lines of business in the insurance industry. Analyzing more than 120 million data transactions, the Ivans Index premium renewal rate change measures the premium difference year over year for a single consistent policy. Inclusive of more than 38,000 agencies and 700 carriers and MGAs, the Ivans Index is reflective of the premium rate change trends being experienced by all agencies and insurers across the U.S. insurance market.
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$4.5 Million
The amount Crave Better Foods (CBF) of Greenwich, Connecticut, lost in a recall of its popular Chipwich ice cream sandwiches. The company has filed suit against Carlson & Carlson Inc., an insurance broker in Riverside, Connecticut, for leaving it unprotected for a product recall of Chipwich products. CBF accuses the insurance agency of professional negligence, breach of contract, and negligent misrepresentation over its alleged failure to recommend and procure sufficient insurance coverage.
166
The gigawatt demand tipping point that could trigger shortages for electric customers served by PJM Interconnection LLC, the largest U.S. electric grid, serving about 20% of Americans from the Midwest to East Coast. PJM warned that extreme heat this summer could trigger supply shortages for the first time. PJM expects this summer to be hotter than normal, especially in the Eastern seaboard states, with demand rising 0.9% to peak at 154.1 gigawatts.
The number of cases in which Sarasotabased Centauri Specialty Insurance, now part of Arbol’s Lilypad Insurance Holdings, used non-appointed adjusters in the wake of Hurricane Ian in 2022. The Florida Office of Insurance Regulation found that Centauri Specialty used adjusters that were not properly appointed and failed to disclose when claims payments were not made in full. The company has agreed to pay a $100,000 fine plus administrative costs to Florida regulators.
$140 Million
The amount Georgia farmers may save after Governor Brian Kemp signed a law to exempt federal crop insurance and disaster payments from Georgia state income taxes. The law applies to those who sustained part of the $5.5 billion in losses caused by Hurricane Helene in September. Federal officials in March began handing out $10 billion designated in the bill for farmers nationwide harmed by low crop prices and high fertilizer prices, and billions more were set aside for farmers harmed by Helene and other natural disasters in 2023 and 2024.
Declarations
No NOAA
“I guess if they don’t talk about it, then it doesn’t happen.”
— Julie Kay Roberts, former National Oceanic and Atmospheric Administration (NOAA) chief of staff, responding to the organization announcing it will “retire” its database of climate and weather disasters that caused at least $1 billion in damage. The free public tool tallies up direct economic losses, response costs, and the toll of business interruptions tied to the most damaging disasters to strike the U.S. in near real-time. The database is used by insurance and reinsurance industries, which otherwise need to invest in their own analysis or rely on costly aggregation services.
Controlling Rates
“We can’t control the weather; we can’t control inflation. I can’t control the availability of building materials, and I can’t control how the houses that are already built were built, what standard they were built to.”
— Texas State Rep. Tom Oliverson, a Cypress Republican, acknowledging that many of the drivers of insurance costs are beyond lawmakers’ control. Texas lawmakers are looking for ways to lower homeowners’ insurance costs, which are some of the highest in the U.S. and climbed by double digits in recent years. Current proposals include requiring insurance department approval for increases over 10%.
Hikes vs. Justification
“Voter-approved Proposition 103 says a rate hike shouldn’t come before the rate justification, but that’s what happened here. We urge the Commissioner to reject the proposed decision so State Farm policyholders, many of whom are struggling to get their claims paid by the company after the Los Angeles fires, aren’t overcharged.”
— Carmen Balber, executive director of Consumer Watchdog, opposing rate hikes for State Farm policyholders in California. State Farm would get a 17% increase in its non-tenant HO-3 line, a 15% increase in its renter/condo line, and a 38% increase in rental dwelling, while the carrier committed to refraining from a new round of non-renewals through the end of 2025. The agreement also stipulates that parent company State Farm Mutual make a $400 million capital infusion into State Farm.
A Sorry and a Settlement
“While not my intent, I understand that my actions in getting my rifle could reasonably have caused you to feel uncomfortable or intimidated, and for that, I apologize.”
— Former Grand Traverse County, Michigan, Commissioner Ron Clous after settling a lawsuit stemming from him flashing a rifle during a COVID-19-era public meeting on Zoom. Patricia MacIntosh accused Clous of trying to silence her right to free speech when he displayed the rifle during the public comment period in a 2021 county commissioner meeting. The county approved a $100,000 deal with MacIntosh, the Traverse City Record-Eagle reported. Insurance will cover it.
Religious Self-Insurance
“This flexibility is important for organizations that may not fit into the standard insurance model but still need to make sure they’re following the rules. While this bill gives religious organizations the ability to self-insure, it also ensures that public safety isn’t compromised. If an organization stops meeting the financial requirements, the state can step in and revoke their self-insurance certificate. This will keep things in check to make sure everyone on the road is covered.”
— Maine State Senator Stacy Guerin (R-Piscataquis) testifying in support of a bill that would allow Mennonites to self-insure for motor vehicle insurance. Maine would join 18 other states with similar accommodations for religious groups.
Climbing Complaints
“Insurers can be less accommodating in the claims process because of the legislative changes, and that can lead to more complaints. But, in addition, more claims from more storm activity and more complicated claims with wind versus water, compounded by higher premiums, will also lead to more unhappiness with the insurance product.”
— Professor Charles Nyce, chair of the Department of Risk Management and Insurance at Florida State University, discussing an uptick in complaints about Florida insurance companies. Overall complaints from residential policyholders, regarding 326 insurance carriers, have climbed from 10,219 in 2020 to more than 23,400 in 2024.
News & Markets
Q1 Has Lowest Insurance Agency M&A in 5 Years; Mega Deals Coming?
The first three months of 2025 were the slowest quarter for insurance agency mergers and acquisitions since Q2 2020, according to investment banking and financial consulting firm OPTIS Partners.
The total number of insurance agency M&As during first-quarter 2025 was down 15% compared to the same period in 2024. OPTIS Partners’ M&A database counted 141 announced insurance agency mergers and acquisitions in Q1, down from 166 reported a year ago.
Q1 2025 marked nine consecutive quarter that fell below the long-term trend line, but Steve Germundson, a partner at Chicago-based OPTIS Partners, said the firm expects the pace to pick up in 2025 due to “the large number of active buyers in the market, although current economic uncertainties may cause a bit of a delay.”
Timothy J. Cunningham, managing partner at OPTIS, said several private equity-backed firms are getting ready to go on the market or recapitalize.
“We also expect more large, privately owned agencies will be sold this year,” he added. “The sale of San Francisco-based Woodruff-Sawyer, with $268 million in estimated revenues, points to further mega-deals this year.”
Although it was involved in fewer deals than the past, Gallagher also announced in December 2024 it had agreed to acquire AssuredPartners for $13.45 billion cash, but the deal remains in review, with regulators asking for more information. Gallagher expects to close in the second half of 2025.
Private equity-backed/hybrid brokers
Source: OPTIS Partners
continued to dominate deal activity in Q1, with 73% of all transactions, OPTIS said.
Among this group, BroadStreet Partners led with 18 deals in Q1, followed by peers World Insurance Associates (10) and Hub
International (9).
Privately held brokers completed 25 acquisitions, while publicly held brokers reported 13 deals.
News & Markets
Workers’ Comp Premiums Fall 3% in 2024; Combined Ratio Holds at 86: NCCI
By Andrea Wells
Workers’ compensation remained a healthy and profitable line in 2024, but claims severity grew with an increase of 6% for medical claim severity and 6% for indemnity claim severity. That’s according to the National Council on Compensation Insurance (NCCI)’s annual 2025 State of the Line report, which found that in 2024, U.S. workers’ compensation net premium decreased 3% from 2023, with a combined ratio of 86, the same as in 2023.
Net written premium in the U.S. workers’ compensation insurance market grew by 1% from 2022 to 2023.
This marks the eighth consecutive year that the workers’ compensation line held a combined ratio below 90, according NCCI, an organization that provides analysis and recommendations on workers’ comp loss costs and rates in 38 states.
Workers’ compensation had the only premium decrease of all property/casualty lines—driven by decreases in rates that exceeded the pace of payroll growth in 2024.
“The workers’ compensation system continues an era of exceptional performance with strong results and a financially healthy line,” said NCCI Chief Actuary Donna Glenn. “And while there are early indications of potential headwinds on the horizon, the industry is positioned well to navigate these challenges.”
Other key highlights from the report:
• The workers’ comp accident year 2024 combined ratio is 99, with prior years continuing to experience a downward reserved development.
• NCCI estimates a redundant industry reserve position of $16 billion.
• Lost-time claim frequency declined by 5% in 2024, a faster pace of decline than the long-term average decline.
NCCI said that while overall claims frequency has been in a decades-long
decline, there are trends that made 2024 different than years past.
The shift to remote work since 2020 has led to a decline in claim frequency among office workers, and claims trends remain low for those who have continued to work remotely.
When it comes to the leisure & hospitality industry, claim frequency for restaurants declined in both 2022 and 2023, while frequency for other sub-sectors has remained flat.
The report also noted that despite the pandemic disruption, healthcare claim frequency (excluding COVID-19 claims) generally declined from 2015 to
2023, driven by a nearly 30% reduction in strain-related injuries. But when it came to the private education industry, frequency rose, primarily driven by “struck or injured by” injuries, potentially resulting from workplace violence in the industry.
“While the overall frequency of workers’ compensation claims continues its long-term decline, industry-specific patterns present a varied picture,” Glenn said. “Workers and workplaces are safer today than ever, yet understanding the nuances at an industry level can uncover both opportunities and challenges within the system.”
Business Moves
National
Starwind Launches Four Programs
Starwind Specialty Insurance Services, a CRC Group company, has launched four insurance programs: Starwind Environmental; Starwind PVT (Political Violence & Terrorism); Starwind Equipment; and Starwind Cannabis.
East
Trucordia, Huffman Insurance
Utah-based insurance brokerage Trucordia has acquired Huffman Insurance, a personal and commercial lines insurance agency with offices across Virginia, including locations in Lexington, Staunton, and Covington. Founded by Bolivar and Hazel Huffman in 1968, Huffman Insurance is now run by their son, Ward Huffman, and his wife, Whitney. Trucordia, based in Lindon, Utah, formerly PCF Insurance Services, has over 5,000 employees nationwide. Trucordia is 13th on Insurance Journal’s 2024 Top 100 Property/Casualty Agencies list.
World Insurance Associates, Christopher Williams Agency, Barrett Millard
Insurance broker World Insurance Associates LLC has acquired the business of Christopher Williams Agency and Barrett Millard LLC of Pittsford, New York. The Christopher Williams Agency began in 1961, and it purchased Barrett Millard in 2023. The agencies sell personal and business insurance in the Rochester, New York, area.
Terms of the transaction were not disclosed.
World Insurance Associates has more than 300 offices across the U.S. and U.K.
Hub International, Allegiant Global Partners
Global insurance broker Hub
International Limited reported it has acquired the assets of Allegiant Global Partners Inc. (AGP) of Boston.
AGP is a health, welfare, and risk consulting firm serving global employers. AGP serves the needs of international nongovernmental organizations (NGOs), higher education institutions, and domestic nonprofits.
Hub said AGP’s expertise in the nonprofit and education industries complements its existing specialty and global benefits capabilities.
AGP founder and CEO Jay Bride, President Denis Guay, and the AGP team will join Hub National Employee Benefits and Hub New England. AGP will be referred to as AGP, a Hub International company.
Terms of the transaction were not disclosed.
Headquartered in Chicago, Hub has over 19,000 employees in offices throughout North America.
Hub International, Guru of Insurance
Global insurance broker Hub International Limited announced it has acquired the assets of EB Specialists Inc. dba Guru of Insurance.
Guru of Insurance is an employee
benefits firm in King George, Virginia, that provides employee benefit planning and group employee benefits.
President David Rao and the Guru of Insurance team will join Hub Mid-Atlantic. Guru of Insurance will be referred to as Guru of Insurance, a Hub International company.
Terms of the transaction were not disclosed.
EmPRO Expansion
Medical malpractice insurer EmPRO Insurance Co., headquartered in Roslyn, New York, opened its first office in Massachusetts. The new Boston office marks EmPRO’s further expansion into the New England market, following prior entries into New Jersey, Pennsylvania, and Connecticut.
To support its expansion, the company brought on three new leadership team members. Michael Miller, vice president of underwriting, will lead the Boston office and be joined by Michael Kubik, vice president of business development, and Brian Kriger, vice president of underwriting.
A subsidiary of Physicians’ Reciprocal Insurers, EmPRO is managed by PRIMMA LLC, PRI’s wholly owned attorney-in-fact.
South Central
Benefit Advisors Network, Carroll Insurance
Houston, Texas-based Carroll Insurance has been accepted for membership into the Benefit Advisors Network (BAN), an international network of progressive and visionary employee benefit brokers and consulting firms across the United States and Canada.
Carroll Insurance serves clientele across manufacturing, construction, oil and gas, technology, professional services, restaurants, and retail. The agency provides protection through policies like general liability, cyber liability, workers’ compensation, and directors and officers liability.
They also offer employee benefits packages encompassing group medical, dental, vision, disability, and retirement plans. In addition, individuals can access
personal insurance options such as auto, homeowners, life, and umbrella coverage.
Founded in 2002, BAN is an international network of independent, employee benefit brokerage and consulting companies.
Patriot Growth Insurance Services partnered with Ladd Gardner Aviation Insurance (LGA), an aviation insurance agency based in Addison, Texas. Founded in 2007 by Ladd Gardner, the agency brings deep expertise, a client-centric approach, and a rich legacy of aviation knowledge to Patriot.
LGA specializes exclusively in aviation-related coverage, offering tailored solutions for aircraft owners, operators, and businesses.
The agency provides many services, including coverage for small to large aircraft, mixed fleets, airport liability, and hangar insurance. Its unique ability to place coverage for complex fleets, ranging from private jets to warbirds and helicopters, sets the agency apart as a true expert in this specialized field.
With an experienced team, the agency continues to grow under the leadership of Angie Harris. Harris brings two decades of aviation insurance experience and a strong technical background from her time at Boeing and the Federal Aviation Administration.
Southeast
TWFG, Denise Davis Insurance, Paul Mears Insurance Group
TWFG Inc., a high-growth insurance distribution company, announced the acquisition of two agencies, one in Texas and one in North Carolina.
Denise Davis Insurance, located in Tomball, Texas, converted to a TWFG Corporate Branch on April 1, 2025, after nearly 22 years as an independent TWFG Branch.
Paul Mears Insurance Group Inc. joined TWFG on May 1, 2025. The agency has 16 employees in three locations in Valdese, North Wilkesboro, and Morgantown, North Carolina, expanding the number
of TWFG Insurance locations in the state to nine. The agency has been serving customers since 1989. Paul Mears, Kelly Bowers-Messenheimer, and Adam Mears will continue to lead the agency.
Hub International, Demarie Insurance
Hub International Limited announced that it has acquired the assets of FGLP Equity Partners, LLC dba Demarie Insurance Agency (Demarie Insurance). Terms of the transaction were not disclosed.
Located in Lake Charles, Louisiana, Demarie Insurance is a full-service insurance agency providing commercial and personal insurance. The Demarie Insurance team will join Hub Gulf South. Principal Aric Pohorelsky and the Demarie Insurance team will join Hub Gulf South.
Demarie Insurance will be referred to as Demarie Insurance, a Hub International company.
West
Alkeme, Becker Benefit Group
California-based insurance brokerage ALKEME acquired Becker Benefit Group, an employee benefits agency based in Towson, Maryland. The acquisition is ALKEME’s first in the state.
Becker Benefit Group offers benefits, healthcare plans, and risk management consulting services for businesses and individuals. It was founded by Gary Becker more than 30 years ago.
ALKEME is a full-service insurance agency that provides commercial and personal insurance, employee and executive benefits, retirement, and wealth management services. Since its founding in 2020 by six agency owners who decided to merge, ALKEME has completed over 50 acquisitions. It now has 60 locations in 24 states. ALKEME ranked as No. 34 on Insurance Journal’s list of Top 100 Agencies in 2024. ALKEME is backed by GCP Capital.
People
National
Mosaic, headquartered in Hamilton, Bermuda, named environmental and casualty risk specialist and former district attorney Thomas Duggan as the company’s claims head for North America.
Based in New York, Duggan oversees Mosaic’s claims teams for all lines of business throughout the Americas.
Thomas Duggan
and underwriting leadership roles with Travelers.
served as national cargo manager since joining Canopius in 2023.
writing positions at AIG and Liberty Mutual.
Duggan has more than 25 years’ experience in law, underwriting, and claims. He previously served as head of environmental claims for Liberty Mutual and Ironshore, and held various roles in professional, casualty, and environmental claims and underwriting at Zurich and AIG.
Hiscox, headquartered in Atlanta, Georgia, appointed Nick Sinkus as chief underwriting officer. He serves on the Hiscox U.S. leadership team as well as the Hiscox Group underwriting leadership team.
Sinkus leads all aspects of Hiscox USA’s underwriting and product development. He has over 20 years’ experience in personal lines and commercial underwriting, most recently serving as Chubb’s senior vice president for small commercial P&C products.
Prior to Chubb, Sinkus served as the chief underwriting officer for Mutual of Enumclaw and held product
EPIC Insurance Brokers and Consultants (EPIC), headquartered in San Francisco, California, appointed Sean Jackson as managing principal and global leader.
Jackson most recently served as managing director, global risk and benefits at IMA Financial Group Inc. He previously served as vice president WorldSource - underwriting center manager for AIG.
AmTrust Financial Services Inc., headquartered in New York City, appointed Bruce Shuman as chief marketing officer (CMO).
Shuman joins AmTrust with over 20 years’ experience in insurance and financial services.
Before AmTrust, he was chief digital officer with The Hartford. Shuman also held previous leadership roles at Travelers in commercial operations and ebusiness, and at GE Capital, where he managed consumer-facing e-commerce and mobile activities for their consumer finance business.
Canopius, headquartered in Chicago, Illinois, appointed Neetu Varghese as head of marine, U.S. Varghese
Varghese has over 20 years of industry experience, previously serving as ocean cargo underwriting director at RLI Insurance Company. Before that, she worked at CNA Insurance in various roles, departing as marine underwriting director.
Marsh, a business of Marsh McLennan headquartered in New York City, appointed Jim Dunn as U.S. construction practice leader.
Based in Atlanta, Georgia, Dunn has over 30 years of insurance experience working within the construction sector. He joined Marsh from Aon, where he most recently served as chief commercial officer – U.S. construction and infrastructure.
Before joining Aon in 2010, he held various positions with Allied North America and Consolidated Risk Solutions.
Zurich promoted Cody Griffin to U.S. head of multinational underwriting for Zurich North America, headquartered in Schaumberg, Illinois.
Griffin, based in Denver, Colorado, was previously head of multinational casualty at Zurich North America.
Griffin has been with Zurich since 2020 and has held several positions at Zurich Multinational. He previously held under-
Smart Choice, headquartered in Greensboro, North Carolina, named Andrew Caldwell as CEO, while founder Doug Witcher transitioned to chairman of the board.
For the past decade, Caldwell has served as the president of Smart Choice. Caldwell has previously served as vice president, accounting director, and director of commission accounting, as well as a variety of other capacities since joining the company in 2003.
Burns & Wilcox, headquartered in Farmington Hills, Michigan, named new leaders for its New York and Chicago offices.
Alex Gargano joins Burns & Wilcox as managing director, overseeing the company’s operations across New York and the Tri-State area. He will be based in the Burns & Wilcox Manhattan office.
Gargano has over 30 years of experience. Since 2020 he has served as senior vice president, underwriting E&S, at Vault. This position followed nearly 20 years in various leadership roles at AIG.
In Chicago, Burns & Wilcox has elevated Erica Rangel to associate managing director. Rangel, whose career spans nearly 20 years, joined Burns & Wilcox more than seven years ago following roles at RT Specialty and CRC.
Nick Sinkus
Sean Jackson
Bruce Shuman Neetu Varghese
Jim Dunn
Alex Gargano
Cody Griffin
Erica Rangel
USG Insurance Services
Inc., headquartered in Tampa, Florida, hired William Morgan as an associate broker in its brokerage division.
Morgan is based in Denver, Colorado. Before joining USG, he was a broker at Risk Transfer Partners, focusing on property and casualty placements. He previously served as sales manager at Centerstone Logistics and account manager at CarbonWeb.
Greenlight Reinsurance Ltd. (Greenlight Re) headquartered in Grand Cayman, Cayman Islands, a subsidiary of Greenlight Capital Re Ltd., appointed Martin Vezina as head of underwriting analytics. Vezina oversees Greenlight Re’s underwriting analytics and pricing function and will be based out of the company’s headquarters in Grand Cayman.
Vezina has held various senior underwriting positions at Allianz, New Ocean Capital, AQR Re, and Markel. He also held actuarial roles at American Re and Overseas Partners Re.
East
Maryland Insurance
Commissioner Marie Grant appointed Patricia Dorn as associate commissioner for consumer education and advocacy at the Maryland Insurance Administration.
administrator for the Health Coverage Assistance Team (H-CAT).
Willis, a WTW business headquartered in New York City, appointed David Lofstrom as deputy regional leader, New England, within corporate risk and broking (CRB) in North America.
Based in Boston, Lofstrom has over 30 years of industry experience. He most recently served as area president in the greater Boston region at Gallagher.
Pennsylvania Lumbermens Mutual Insurance Company, headquartered in Philadelphia, Pennsylvania, appointed Steve Sallah and Don Blackwell to its board of directors.
Sallah was the president and CEO of LBM Advantage for 13 years before retiring in 2024. He joined LBM Advantage (formerly ENAP) in 2008 as chief financial officer. He previously worked at IBM for 16 years.
Midwest
Encova Insurance, headquartered in Columbus, Ohio, hired Ramu Lingala as the successor to Tony Laska, executive vice president and chief information officer, who last year announced his plans for retirement at the end of 2025. Laska will serve in an advisory role through the end of 2025.
Lingala joined Encova in February. He has 25 years of experience as an IT executive and most recently served as vice president of business lines technology for Liberty Mutual.
Southeast
Alliant Insurance Services, headquartered in Irvine, California, hired Aaron Brunson as vice president within its employee benefits group. The Miami/Fort Lauderdale, Florida-based consultant is a consulting actuary specializing in funding arrangement analysis.
Before joining Alliant, Brunson served as financial and analytics team lead for the southeast region with Willis Towers Watson.
West
lines at Risk Placement Services (RPS). He also held senior leadership roles at Axis Capital, CNA Insurance, Aon Affinity, Carpenter Moore, AIG, and Chubb.
Pinnacol Assurance, headquartered in Denver, Colorado, appointed Marti Awad to a five-year term on Pinnacol’s board of directors. Awad is an investments and finance representative with over 30 years of experience working in the capital markets.
Akasha Absher was confirmed for another five-year term as chair of the Pinnacol board of directors. She is the chair of the investment committee and also chairs the firm’s portfolio implementation committee. Absher is the co-president at Syntrinsic, an IMA Company.
Dorn, who has served at the Maryland Insurance Administration since 2012, leads the Consumer Education and Advocacy Unit (CEAU). Since 2023, Dorn has served as health insurance
Blackwell is a certified public accountant who began his career at Ernst & Young in Indianapolis, where he spent six years. He then served as a financial officer at four different carriers over a 31-year span—including Indiana Lumbermens Mutual Insurance Company (ILM) and, following its affiliation, PLM, where he ultimately retired.
Coalition Inc., headquartered in San Francisco, California, named Manny Cho as head of its west region. Cho joins Coalition with over three decades of experience in the insurance industry, most recently serving as executive vice president of executive
Angela Oakley will serve another five years on the Pinnacol board as an employee representative. Oakley is WellPower’s chief financial officer and joined Pinnacol’s board of directors in 2024.
Mutual of Enumclaw, headquartered in Seattle, Washington, hired Bob Otis as president and CEO. Otis has over 30 years of executive-level experience in property and casualty insurance, most recently as president of Kemper Corporation’s Personal Insurance business unit.
Patricia Dorn Manny Cho
Steve Sallah
Ramu Lingala
Akasha Absher
Angela Oakley
Don Blackwell
Spotlight: Captives
Captives to Remain Viable as Market Softens
By Allen Laman
As commercial property insurance rates moderate, the value and relevance of captive insurance companies isn’t expected to fade away.
A panel of experts discussed the state and evolution of the captive sphere during a presentation at the RIMS RiskWorld conference May 4-7 in Chicago. Those experts seemed to agree: While hard markets often act as a catalyst, the decision to form or expand a captive is not just a short-term reaction.
“The long-term rationale is much more strategic,” said Adriana Scherzinger, moderator of the panel and group head of captives for Zurich Insurance.
Marsh defines captive insurance as a risk financing mechanism in which a company insures itself against future losses. Essentially, an insured brings its risk in-house by creating a licensed company that provides insurance to its parent organization or affiliates.
Slides shown during the presentation showed that 195 new captives were launched in North America in 2024. That brought the total count to 2,687 at the end of the year. And while 36% of the continent’s captives are older than a decade, nearly a quarter of them are less than three years old, according to numbers from Captive Intelligence Data Hub.
“Captives are really, really, really alive and well,” said Michael Serricchio, managing director and America’s consulting leader for Marsh Captive Solutions. Marsh alone has formed more than 600 captives in the last five years—92 of which formed in 2024.
Serricchio said the record growth in captives in the last few years can be attributed to the hard property insurance market, natural catastrophes, global uncertainty, and political unrest. These issues present an opportunity for clients to understand how they can take control of their own risk, save premium dollars, and create governance, he added.
But how could captives be affected by improving rates? Marsh data shows that global commercial insurance rates fell 3% on average in the first quarter of 2025, marking the third consecutive quarterly decrease after seven years of rising rates. Property rates declined 6% globally in Q1 and 9% in the U.S.
Serricchio shared that property tends to be the top coverage line in most captives. Even as the market softens, companies that have been using captives aren’t going to stop putting property into them, he said.
“They don’t want to be at the mercy of an insurance carrier,” he said. “They don’t want to take their retentions way back down and then play the game year after year after year.”
Scherzinger told Insurance Journal after the event that while property rates may have moderated in some regions, the underlying exposures haven’t. She said that at its core, a captive allows organizations to retain and control how
they manage risks.
That means more than just cost savings— it’s about gaining transparency on loss performance, she said, and aligning risk and capital and ultimately building resilience. Hard markets may open the door to the captive space, Scherzinger explained, but what keeps companies inside is the longterm value of control, efficiency, insight, and increase of strategic options.
“When risks are well-managed, captives create an opportunity to retain underwriting profits and investment income,” she said. “That’s a compelling proposition, especially for organizations with a strong risk management culture.”
‘Captives are really, really, really alive and well.’
While overall global commercial insurance rates have dropped, Marsh reported that casualty rates increased 4% globally during the first quarter of 2025, driven by an 8% increase in U.S. casualty rates due “largely to the frequency and severity of casualty claims, many of which are characterized by large jury awards.”
Marsh reported that insurer capacity for U.S. casualty remained constricted in Q1 2025. In a follow-up interview, Serricchio said U.S. excess liability rates increased 16% on average year over year in the first quarter. As nuclear verdicts and social inflation drive these rates up, Serricchio said captive owners will take portions of their excess liability tower layers and put them into their captive for premium savings.
“That’s one of the things that you saw five or six years ago, and you’re going to see a re-emergence of that,” he said.
Scherzinger stressed that with captives, collaboration is vital. “What resonated with me as moderator—and I think with the audience—is that no captive would succeed in a silo,” she said. “Whether it’s engaging early with the domicile, aligning with a fronting partner who truly understands your needs, or working cross-functionally within your own organization, collaboration drives results.”
She continued: “This is especially true when captives are used for new or complex risks. The alignment of risk, finance, legal, tax, and operations is what turns a captive from a compliance-driven entity into a strategic powerhouse.”
Michael Serricchio
Adriana Scherzinger
Closer Look: Higher Education
Hard Market, Valuable Research, Public Perception & Antitrust Litigation Pressure Higher Education World
The U.S. higher education insurance market is as diverse as the academic degrees these institutions offer. But one recent challenge facing the sector is a downturn in public trust that may be contributing to the increased frequency and severity of claims activity, according to Stacie Kroll, managing director, higher education practice, at Gallagher. Aggregate risks such as antitrust litigation have resulted in a crunch on liability capacity. Business interruption coverage and valuable research stored on campus is also a critical exposure today, she says.
In interviews with Insurance Journal’s Allen Laman and Andrea Wells from RIMS’s RiskWorld in Chicago May 4-7, Kroll discusses top concerns facing this dynamic sector that are putting added pressure on higher education facilities nationwide.
Describe what’s happening in the higher ed insurance market today?
Stacie Kroll: There are two things happening at the same time, in parallel: declining public perception of higher education’s value, and a really challenging insurance market. … Notably, we’re seeing rate increases on the liability side of the house. And we’re also seeing a capacity reduction in liability coverage available where current market conditions are resulting in a reduction of limits and a reduction of overall capacity. I think the public’s perception of higher education today, and how it pertains to their insurance portfolio, is definitely leading to an increase in severity and frequency of claims.
That [trend] has to do with higher education being seen as big business rather than as institutions for global socio-
economic good, which is how I think we were seen maybe 10-plus years ago. Now we’re seeing this declining public perception, which is leading to more claims. More people want to hold us accountable, more people see us as having large wallets, as able to pay these large claims. That is absolutely driving an increase in severity and frequency of claims, and it is directly impacting the insurance market.
From a reputational standpoint, the reputational risk really goes to student enrollment. High education is seeing an enrollment decline. There was already a prediction called the enrollment cliff of 2026 we’ve been talking about for 18 years as the birth rate in the U.S. population fell. … Now, that’s combined with a declining public perception of higher education, and folks aren’t seeing the value or
are questioning the value of entering higher education. So, institutions are seeing direct financial pressures as a result of the reputational risk they’re dealing with right now.
It seems, at least from news headlines, there has been a recent rise in student protests on college campuses nationwide. Has that led to additional claims activity, as well?
Stacie Kroll
Kroll: We’re definitely concerned about claims but haven’t seen an uptick in claims activity from civil unrest. I’ll say student activism and protests are ingrained in the lifeblood of this industry, so protests on college campuses are common. They happen all the time, and more than not, they happen incident-free. We’ve seen the [media] headlines where these protests have resulted in incidents, whether that’s campus police disrupting the protest, students being detained or expelled, or not receiving their degree … We’ve seen some of that activity. But we haven’t seen a higher volume of claims activity coming out of that.
What trends are driving claims for higher education institutions today?
Kroll: One of the things that we’ve seen [driving claims] is antitrust litigation. We are seeing D&O carriers start to restrict terms and conditions around antitrust because it is seen as an industrywide exposure—one we didn’t see a decade ago. Now, that trend
[in litigation] has to do with public perception. It has to do with institutions of higher education now being seen as business … Whereas a decade ago, we were seen as very collaborative, working together for the betterment of the education of society; now, it’s resulting in expensive litigation. … So now, we are seeing carriers look at that [exposure] critically and determining whether they can continue to insure that exposure.
‘We have
a number of
property carriers that have been insuring business interruption in the research space, and they haven’t quite fully understood what they’re insuring.’
What other risks and exposures do you have your eye on in the higher education world today?
Kroll: Oh my goodness, business interruption and research is so
fun right now. We have a number of property carriers that have been insuring business interruption in the research space, and they haven’t quite fully understood what they’re insuring. Research is complex, and it’s difficult to understand the value of what’s in these buildings, the values of what’s stored in freezers—the samples and lifelong research. Some of these samples are 100 years old.
So, when the power goes out and that sample is lost, that’s a high-value claim. Insurers are seeking to better understand [the risks], and risk managers are seeking to educate them. [Managing the risks] starts with really good loss control. … The second step is valuing that research. That has to do with grants tied to that research, so it’s future money for the institution. … You have to evaluate that [exposure] and account for the potential loss in income. And [institutions] are also undergoing mapping exercises to identify where that concentration of high-value research is and making sure that there’s some separation of
risk across the campus.
We’re starting to see some really cool mapping of where these values are by building, where these values are by research arm, and starting to bring our insurance partners along in that mapping. … So, if we lose a building—let’s say it burns to the ground—we’re not losing a critical mass of research. We have another backup in other places on campus.
We’re starting to evaluate the segregation of that risk, mapping it out across the campus, ensuring that backup power and business continuity plans are in place. And then accounting for what would be the financial loss if this piece of research is actually lost. What would that disruption look like? Then accounting for that in their property policies.
Any last recommendations on how best to address risks in higher ed this year?
Kroll: There’s a great opportunity for risk managers to embed themselves in strategic decision-making, enterprise risk management, and apply an ERM framework to some of the external factors that are happening to the industry with reputational risk, a challenged insurance market, a decline in federal funding, and a decline in student enrollment, all of this. Applying an enterprise risk management framework is critically important and helps guide senior leadership through these challenges with a sense of confidence.
There’s never been a better time for risk management to step in and say, ‘Hey, we’ve got the business processes, we’ve got the skills, and we’ve got the acumen to add value.’
Idea Exchange: Ask the Insurance Recruiter
Viral Work Trends Q&A: A Fun Way for Your Agency to Discuss Recruiting
Recruitment doesn’t have to be a dull subject. Imagine discussing it in a more enjoyable way at your next management meeting.
Viral work trends are an excellent starting point. TikTok alone has 115,000 videos tagged with #CareerTok and over 1 million posts under #Career.
While some trends may come and go, others can significantly impact your agency. Everyone—from the newest team member to the most experienced executive—has a story to share. In a more engaging setting, you’ll ask, “What trends are emerging? Should we pay attention? How can this inform our recruiting practices and how we treat current employees?”
Step One: Write these viral trends on note cards (without the definition).
#CoffeeBadging. A way that employees comply with return-to-office policies by visiting the office briefly to connect with co-workers before returning home to work for most of the day.
#QuitTok. The trend of sharing resignation announcements through social media videos.
#QuietQuitting. When employees choose to perform only the minimal required tasks at work, often signaling job dissatisfaction or burnout.
#WhiteFonting. Applicants use invisible keywords on their resumes that align with job postings, which AI and ATS systems may identify as a match, regardless of their actual qualifications.
#LoudLaboring. Employees publicly highlight their efforts in the workplace, focusing more on their activities than their accomplishments.
#QuietCutting. Employers assign new responsibilities or shift employees into different roles, hoping to encourage them to resign.
#LazyGirlJobs. A movement where people prioritize jobs with work-life balance and flexible work arrangements (this can be remote, full-time, or part-time) over conventional 9-to-5 schedules.
#RageApplying. When employees, frustrated or unhappy in their current positions, apply for numerous jobs without regard to whether they are qualified.
#HushedHybrid. Hiring managers secretly allow employees to work flexible schedules, especially remotely, without approval and outside company policy.
#BareMinimumMondays. Employees intentionally schedule lighter workloads on Mondays to gradually ease into the week, planning more demanding tasks for later days.
#ProductivityParanoia. Managers question their employees’ productivity, even when employees feel they are performing well. It’s a common concern with remote workers.
#VacationShaming. When managers guilttrip employees for using PTO. They may also reward other employees who work extra hours and don’t take time off. #CareerCushioning. Employees prepare for potential career changes while still
employed, creating a Plan B in case their current roles don’t pan out.
By Mary Newgard
#ActYourWage. Employees perform only the amount of work that corresponds to their pay to avoid overworking without adequate compensation.
Step Two: People take turns drawing a card and guessing the definition. You can create a points system for correct answers or most creative. Everyone shares some laughs over their responses.
Step Three: Pose the question, “Does this [or could this] occur within our company?”
Potential candidates who apply and interview with you may have encountered these trends, and current employees might consider leaving for similar reasons. This exercise will spur conversations among your team that can lead to improvements in:
• Interaction and communication between hiring managers, internal recruiters, and job seekers.
• How you promote job openings and address topics that matter to candidates, like work-life balance and flexible scheduling (including remote and hybrid options).
• The questions you pose in interviews regarding candidates’ current employment and job search motivations.
• Identifying the right individuals to convey your culture and values to potential employees.
• Supporting job seekers throughout the entire process, including resignations and onboarding for new hires.
Newgard is partner and senior search consultant for Capstone Search Group, a national recruiting firm dedicated to the insurance industry. For questions and comments, email: asktherecruiter@csgrecruiting.com.
Idea Exchange: The Marketing Connection
Crafting a Marketing Strategy: Essential Steps for Insurance Professionals to Stay Ahead
An insurance marketing strategy outlines how a business will reach prospective clients, convert them into customers, and retain them over time. It’s a structured plan that considers available resources, target audience needs, competitive landscape, and industry trends to align marketing with business goals. For insurance professionals, a well-crafted marketing strategy is critical because it:
• Differentiates you in a crowded marketplace.
• Builds trust and credibility with potential clients.
• Improves client acquisition efficiency through targeted approaches.
• Adapts to changing consumer behaviors, especially digital research habits.
• Ensures consistent brand messaging across all touchpoints.
• Provides measurable outcomes to guide business decisions.
10 Essential Components of an Insurance
Marketing Strategy
1. Market Analysis. Start by taking a look at current market conditions, competitors, product opportunities, and regulatory considerations. Include a SWOT analysis to outline your organization’s Strengths, Weaknesses, Opportunities, and Threats. Consider gathering customer insights through surveys and/or interviews.
2. Target Audience. One of the most important steps in developing a marketing strategy is to define your target audience and create detailed customer personas— including demographics, pain points, decision-making processes, and preferred
communication channels. Outline the stages of your customer journey, and identify pain points and motivations.
3. Branding. Develop or refine your company’s visual identity, including logo, colors, typography, and other elements. Establish your brand’s voice and create messaging guidelines that you consistently adhere to. It helps to design a style guide
for easy reference.
4. Value Proposition. Clearly articulate what makes your insurance offerings stand out, whether through specialized coverage, superior claims handling, or innovative solutions. Precisely define how you solve your customers’ pain points and weave this messaging into all your marketing efforts.
By Anita Nevins
5. Channel Strategy. Figure out the top marketing channels for your business:
• Digital presence (website, SEO, video)
• Email campaigns
• Social media engagement
• Traditional methods like direct mail
• Agent/broker relationships
continued on page 65
Idea Exchange: The Competitive Advantage
May the Combined Ratio R.I.P. (for Measuring Profit)
When Mr. Best of AM Best created the combined ratio, he did the industry and arguably the world a great favor. After all, what business would only measure part of their cost and ignore the other 30% when determining profitability? Insurance financial acumen (i.e., leaving out expenses) has not developed much more than this except at the highest levels.
By Chris Burand
I am always stunned when I hear an insurance company executive, including some CFOs, refer to the combined ratio and say something silly like, “We lost so much money last year because our combined ratio was 103!” Then, when I ask them how they made $100 million last year if they lost so much money, they are stumped. I haven’t met one yet who could immediately answer that question. I know some can, I just haven’t met them.
The combined ratio measures the “combined” loss ratio and expense ratio. Another way to put it is that the numerator is the sum of losses and expenses while the denominator is earned premium (or is supposed to be). If the numerator is larger than the denominator, the insurance company has lost money—but they’ve only lost underwriting money.
The combined ratio is an important metric, but it does not measure profitability very well.
For example, in 2023, the industry’s combined ratio exceeded 100 but carriers as a whole made record profits. If the combined ratio is so important, how in the world did carriers make record profits in a year where their combined ratio exceeded 100? It’s because they made a fortune in investments.
This industry should be a case study for making the public angry and trial attorneys wealthy. One way in which the industry shoots itself in the foot and causes public frustration is that, intuitively, it makes zero sense to tell the public you need
more money when you’ve made record profits. To tell the public that because the combined ratio is 102, you are not making a reasonable profit while recording record profits is a ridiculous point to sell. Moreover, why do you need a 20% rate increase if the deficit is only 2% (102 – 100) to break even on a combined ratio?
The public and trial attorneys may not understand insurance company financials, but intuitively, they know this story has Swiss cheese holes. Many in the public, plaintiffs’ bar, and politicians think industry people and carrier spokespeople are lying, cheating, and at least fibbing when saying the carriers are not making money because the combined ratio exceeds 100.
Underwriting Profit
Over the last 25 years, the average combined ratio is just about 100. This industry would not exist if it never made a profit. Profit is required for more than attracting capital. In this industry, profit is required to generate surplus, and if surplus does not grow, the industry cannot increase what it insures. This industry could not have grown 85%, and carriers would not have averaged about $55 billion of net income annually during the last 18 years, without profit.
The right approach is to first understand how insurance companies make money. This should begin with CFOs, but I’ll aim for a wider audience. Warren Buffett said
News & Markets
California Commissioner Launches Smoke Claims & Remediation Task Force
Anew task force has been formed to develop standards in California for insurance coverage and clean-up of
smoke-damaged homes.
California Insurance Commissioner Ricardo Lara announced the formation
of a Smoke Claims & Remediation Task Force within the California Department of Insurance to develop consistent statewide standards for investigating and paying smoke damage claims.
In March, Commissioner Lara began requiring insurers to fully investigate and pay legitimate smoke damage claims. He also sent a directive to the California FAIR Plan requiring it to follow the same standards.
The task force will bring together public health experts, environmental health professionals, smoke remediation specialists, fire safety experts, and consumer advocates to recommend standards and best practices for smoke restoration of homes and personal property, as well as enforcement tools to the CDI.
According to the CDI, Lara is in the process of appointing task force members and will announce its membership in the coming weeks, and the meeting will be scheduled after that.
Report: California Workers’ Comp Combined Ratio Highest in 14 Years
Written premiums in California stabilized in 2022 through 2024 after the large swings during the pandemic, while the combined ratio rose to the highest level in 14 years, a new report shows.
The Workers’ Compensation Insurance Rating Bureau of California released its Quarterly Experience Report, an update on statewide insurer experience valued as of Dec. 31, 2024.
The WCIRB report also shows the average charged rate for 2024 was roughly 1% higher than 2023, marking the first increase after consecutive years of declining average charged rates.
The projected combined ratio for 2024 rose by 9 points from 2023. At 123%, that makes it the highest combined ratio in 14 years. The 2024 ratio was mostly driven by higher average medical costs, average allocated loss adjustment expense costs and indemnity claim frequency, according to the WCIRB.
“The increase in 2024 is driven by higher claim frequency, average loss and LAE costs, with modest changes in earned pre-
mium,” the report states. “Combined ratios have been at 110% or higher for the past 4 years. The last time combined ratios were over 100% for a sustained period was before the Senate Bill No. 863 (SB 863) reforms.”
Rising costs in the system prompted the WCIRB to propose a 11.2% advisory pure premium rate increase for September 1, 2025.
According to the report, indemnity claims had been settling more quickly through the second quarter of 2020, primarily driven by reforms to the state’s workers’ comp system. Following the volatile changes that occurred during the pandemic, indemnity claim frequency continued to increase, largely due to a
sharp increase in the frequency of claims involving cumulative trauma injury in 2022 and 2023. The report expects to see that trend to likely continuing into 2024.
“Projected severity on indemnity claims for 2024 is 6% higher than 2023 and 33% above 2016,” the report states. “The average severity in 2024 is the highest it has been in more than a decade, since before the SB 863 reforms.”
it best, “Insurance companies are nothing more than poorly run mutual funds.”
Why did he say this? Because insurance companies typically make 100% of their profit from their investments, not their underwriting. (If the combined ratio is 100, carriers normally never make money underwriting.) But because their combined ratios often exceed 100, carriers would make even more money by not writing insurance and focusing entirely on managing their investment portfolios.
From a societal perspective, talking about the need to make an underwriting profit is not only untrue, but it sounds greedy—and it kind of is.
Instead, the pitch should be that insurance companies are subsidizing rates with their investment income so that Americans do not have to pay even higher rates. That
is a 100% true statement, although it is still somewhat on shaky ground because the subsidy is due to carriers not evaluating their risks correctly so the combined ratio exceeds 100. The public then benefits from a certain level of incompetence—which, frankly, is easier to sell than dishonesty.
Operating Ratio
The correct measure is the operating ratio because it includes all income, not just most of the income. Just as it made little sense to exclude expenses at one time, it makes little sense to exclude a material revenue source when calculating total revenue and profits. I have known some insurance company CEOs who did not even know what their operating ratio was, which may be why those are not the most robust companies today.
I advise insurance carriers and distributors on these facts and have been doing so for decades. I can guarantee to every reader that carriers led by people with a deep understanding of their financials— preferably including the entire C-suite and maybe the next level down—are achieving far more success. And I can guarantee my distributor clients engaged with me to delve deeply into these matters are also achieving far more success.
‘Many in the public, plain-
tiffs’ bar, and politicians think industry people and carrier spokespeople are lying, cheating, and at least fibbing when saying the carriers are not making money because the combined ratio exceeds 100.’
The fact that so many carriers are led by people who do not really understand their own financials is simply an artifact of momentum and, truly, how sloppy the industry is. Tighter management would likely reduce premiums or at least minimize the rate of increase. Competition, though, would decrease because there would be fewer companies. Given this is the hardest market in 100 years and it is likely to remain hard for longer than any previous hard market, competition is likely to decrease anyway. Hard markets eliminate more carriers than soft markets.
Knowledge is power. The combined ratio is an important metric, but it does not measure true profitability in any sense or manner. The question exists, though, as to why so many people in this industry think the combined ratio is the ultimate measure of profitability. When myth beats reality, print the myth. That is the best explanation I have.
But if you want to beat the competition and improve your reputation, focus on reality!
Burand is the founder and owner of Burand & Associates LLC based in Pueblo, Colo. Phone: 719-4853868. E-mail: chris@burand-associates.com.
2025 Annual Program Directory, Summer Edition
Welcome to Insurance Journal’s 2025 Program Directory, Summer Edition. Information contained in this directory has been compiled by Insurance Journal’s staff as a resource for readers. For purposes of this directory, a program is defined as “a group of coverages designed specifically for any given risk or class of business.”
IJ’s Program Directory, as well as IJ’s E&S Directory and Workers’ Comp Directory, are also available online. Brokers and insurance companies are invited to submit and maintain up to 10 free market listings for the Program Directory. Brokers and insurers continually update market listings year-round. Insurance Journal is not responsible for inaccurate information submitted by respondents.
To list a market online free of charge, visit: www.insurancejournal.com/directories.
Step-by-step instructions guide users through the listing process. To be listed in the print version of IJ’s Program Directory, please send an e-mail to: khoney@insurancejournal.com
Above & Underground Storage Tank Owners
Beacon Hill Associates
Coverages CGL, E&O, Environmental Liab, Pollution, Pollution Liab, Transportation Pollution Liab, Workers’ Comp States All States
Freberg Environmental Inc.
Coverages Environmental Liab, Pollution Carrier Status Non-admitted States All States
JM Wilson
Coverages Cyber Liab, EPLI, Excess Liab, GL, Pollution Liab, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except AK, HI, NY
PartnerOne Environmental
Coverages Environmental Liab, Pollution, Pollution Liab, Transportation Pollution Liab States All States
Target Managers Insurance Services
Coverages Auto Comm-Standard, CGL, Environmental Liab, Pollution Liab, Property, Truck Auto Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Virtue Risk Partners LLC
Coverages Environmental Liab, Pollution Liab Carrier Status Non-admitted States All States
Accountants/CPAs
5Star Specialty Programs
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States
Berkley Select | a Berkley Company
Coverages E&O, EPLI, Professional Liab Carrier Status Admitted, Non-admitted States All States
Ironwood Brokers & Insurance Marketing
Coverages GL, Liability Carrier Status Admitted States Most States
Landy Insurance Agency
Coverages BOP, Crime, Cyber Liab, D&O, EPLI, Professional Liab, Workers’ Comp Carrier Status Admitted States All States except AK, LA
Markel
Coverages Auto Comm-Standard, Excess Liab, GL, Property, Workers’ Comp States All States except HI, LA
Norman-Spencer International Inc.
Coverages E&O, Professional Liab Carrier Status Admitted States All States
Professional Insurance Concepts
Coverages E&O, EPLI, Professional Liab
Carrier Status Admitted States All States
Target Professional Programs
Coverages E&O, Professional Liab Carrier Status Admitted
States All States
The McGowan Companies Coverages E&O, Professional Liab Carrier Status Admitted States All States
Addiction Treatment Facilities
Addiction Treatment Providers Insurance Program
Coverages Abuse & Molestation, Auto Comm-Standard, Business Income, Cyber Liab, GL, Hired & Non-owned Auto, Liability, Medical Malpractice, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except NY
AllComp Solutions
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States
Irwin Siegel Agency
Coverages Abuse & Molestation, Accident & Health, Addiction Treatment, Auto Comm-Standard, Auto CommStandard Liability, Auto Comm-Standard Phys Dmg, Boiler & Machinery, Business Income, CGL, Community/Social Svcs, Crime, Cyber Liab, D&O, EPLI, Excess Liab, GL, Inland Marine, Managed Care, Medical & Physical Rehab, Mental Health Care, Nonprofit D&O, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States
Negley Associates
Coverages CGL, Professional Liab
Carrier Status Non-admitted States All States
Philadelphia Insurance Companies
Coverages Abuse & Molestation, Addiction Treatment, Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Participant Accident, Professional Liab, Property, Real & Business Personal Prop, Sexual Misconduct, Umbrella Carrier Status Admitted States All except LA
Administrative Service Org’s
Ryan Specialty National Programs
Coverages Abuse & Molestation, Blanket Addt’l Insureds, Blanket Waivers, Care/Custody/Control, Crime, Employee Benefits, EPLI, Excess Liab, GL, Hired & Non-owned Auto, Professional Liab, Property, Stop-Gap, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
World Wide Specialty, a Div of Philadelphia Ins. Co’s
Coverages Abusive Acts, Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, Care/Custody/Control, Crime, Cyber Liab, D&O, E&O, Employee Benefits, EPLI, Fidelity, Fidelity Bonds, GL, Hired & Non-owned Auto, Misc Professional Liab, Professional Liab, Property, Technology E&O, Umbrella, Workers’ Comp Carrier Status Admitted States All States
Adoption Agencies
RPS Signature Programs
Coverages Abuse & Molestation, Auto Comm-Standard, CGL, Cyber Liab, Employee Benefits, EPLI, Excess Liab, Hired & Non-owned Auto, Nonprofit D&O, Professional Liab, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Coverages Auto Comm-Standard, BOP, Cyber Liab, Equipment, GL, Professional Liab, Umbrella, Workers’ Comp Carrier Status Admitted States AL, AZ, CA, CO, CT, DC, FL, GA, IL, KY, LA, MA, MD, NC, NJ, NM, NV, NY, PA, SC, TN, TX, VA, VT, WY
Omaha National
Coverages Workers’ Comp Carrier Status Admitted States Most States
Professional Program Ins. Brokerage (PPIB), a Div of SPG Coverages Abuse & Molestation, CGL, Liability Carrier Status Non-admitted States All States
Winery Pak Insurance Programs
Coverages Combo Personal & Commercial, Herbicide & Pesticide, Liability, Pollution Liab, Property Carrier Status Admitted States All States
XPT Specialty
Coverages CGL, Inland Marine, Pollution Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States
Aircraft Manufacturers
ABC Aviation Program
Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Business Interruption, Crime, Legal Liab, Property Carrier Status Admitted States All States except WV
Aircraft Repair/Service
ABC Aviation Program
Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Business Interruption, Crime, Cyber Liab, Legal Liab, Property Carrier Status Admitted States All States
Airlines
Applied Underwriters Inc.
Coverages Cargo, Commercial Excess, D&O, Equipment, Excess Liability, Property, Workers’ Comp Carrier Status Admitted States All States
Airport Owners & Operators
ABC Aviation Program
Coverages Auto Comm-Standard, Auto Comm-Standard
Liability, Business Interruption, Crime, Cyber Liab, Legal Liab, Property Carrier Status Admitted States All States
Applied Underwriters Inc.
Coverages Combo Personal & Commercial, Liability, Workers’ Comp Carrier Status Admitted States All States
Alarm Monitoring Companies
Balance Partners - Maven
Coverages CGL, E&O, Excess Liab, GL, Liability, Professional Liab Carrier Status Non-admitted States All States
Brownyard Group
Coverages Assault & Battery, Auto Comm-Standard, Blanket Addt’l Insureds, Care/Custody/Control, CGL, Commercial Excess, Crime, E&O, Excess Liab, Fidelity, Fidelity Bonds, Fire Legal Liab, GL, Inland Marine, Liability, Lost Key, Professional Liab, Property States All States except NE Markel
Coverages Workers’ Comp States All States
Philadelphia Insurance Companies
Coverages Abuse & Molestation, Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Boiler & Machinery, Business Income, Care/Custody/ Control, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Inland Marine, Legal Expense Ins, Personal Property, Professional Liab, Property, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA
Ryan Specialty National Programs
Coverages Auto Comm-Nonstandard, Care/Custody/ Control, Crime, E&O, Excess Liab, GL, Inland Marine, Lost Key, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Alcohol & Substance Abuse Treatment
Centers
Addiction Treatment Providers Insurance Program
Coverages Abuse & Molestation, Auto Comm-Standard, Business Income, Cyber Liab, GL, Hired & Non-owned Auto, Liability, Medical Malpractice, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except NY
2025 Annual Program Directory, Summer Edition
Balance Partners - Maven
Coverages E&O, Excess Liab, Professional Liab
Carrier Status Non-admitted States All States
Gateway Specialty Insurance
Coverages Abuse & Molestation, Crime, E&O, EPLI, GL, Nonprofit D&O, Property Carrier Status Admitted, Non-admitted States All States
Irwin Siegel Agency
Coverages Abuse & Molestation, Accident & Health, Addiction Treatment, Auto Comm-Nonstandard, Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Boiler & Machinery, Business Income, CGL, Community/Social Svcs, Crime, Cyber Liab, D&O, EPLI, Excess Liab, GL, Inland Marine, Managed Care, Nonprofit D&O, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States
Negley Associates
Coverages CGL, Professional Liab
Carrier Status Non-admitted States All States
NSM Insurance Group
Coverages Abuse & Molestation, Addiction Treatment, Auto Comm-Standard, Business Income, Community/Social Svcs, Cyber Liab, GL, Hired & Non-owned Auto, Liability, Medical Malpractice, Mental Health Care, Professional Liability, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
RPS Healthcare
Coverages D&O, EPLI, Excess Liab, GL, Professional Liab, Property Carrier Status Admitted, Non-admitted States All States
Hired & Non-owned Auto, Nonprofit D&O, Professional Liab, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Allied Healthcare Professionals
Ascendant Insurance Solutions
Coverages Auto Comm-Standard, Cyber Liab, Professional Liab, Property, Workers’ Comp Carrier Status Admitted States AL, AZ, CA, CO, CT, DC, FL, GA, IL, KY, LA, MA, MD, NC, NJ, NM, NV, NY, PA, SC, TN, TX, VA, VT, WY
Berkley Select | a Berkley Company
Coverages E&O, Medical Malpractice, Professional Liab Carrier Status Admitted, Non-admitted States All States
CID Insurance Programs Inc.
Coverages Abuse & Molestation, E&O, EPLI, GL, Professional Liab, Property Carrier Status Admitted, Non-admitted States AZ, CA, CO, ID, MD, NE, NM, NV, OR, TN, TX, UT, WA
Integrated Specialty Coverages (ISC)
Coverages Abuse & Molestation, Addt’l Expense, Employee Benefits, GL, Hired & Non-owned Auto, Medical Professional Carrier Status Non-admitted States All States
J.E. Brown & Associates
Coverages Cyber Liab, D&O, E&O, EPLI States AZ, CA, CO, NV, OR, TX, UT, WA
Oryx Insurance Brokerage Inc.
Coverages Auto Comm-Standard, GL, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Philadelphia Insurance Companies
Coverages Abuse & Molestation, Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Professional Liab, Property, Sexual Misconduct, Umbrella Carrier Status Admitted States All States except LA
Promont Insurance Advisors
Coverages CGL, Commercial Excess, Crime, Cyber Liab, E&O, Employee Benefits, Equipment Breakdown, Fire Legal Liability, Professional Liability, Property Carrier Status Non-admitted States All States
RPS Healthcare
Coverages GL, Hired & Non-owned Auto, Medical Professional Carrier Status Admitted, Non-admitted States All States
Amateur Sports Associations
Alive Risk
Coverages Accident & Health, CGL, Event Cancellation, Excess Liab, Inland Marine, Liquor Liab, Prize Indemnification Carrier Status Admitted, Non-admitted States All States
American Specialty Insurance & Risk Services Inc.
Coverages Auto Comm-Standard, CGL, Crime, Employee
Benefits, Excess Liab, Liquor Liab, Participant Accident, Property, Workers’ Comp Carrier Status Admitted States All States
K&K Insurance Group Inc.
Coverages CGL, Crime, Excess Liab, Inland Marine, Participant Accident, Property Carrier Status Admitted States All States
Philadelphia Insurance Companies
Coverages Abuse & Molestation, Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Earthquake, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Legal Expense Ins, Nonprofit D&O, Participant Accident, Professional Liab, Property, Real & Business Personal Property, Sexual Misconduct, Uninsured Motorists Carrier Status Admitted States All States except LA
Roosevelt Road Specialty
Coverages Excess Liab, GL Carrier Status Admitted States All States
Coverages Abuse & Molestation, CGL, Crime, EPLI, Equipment, Excess Liab, Hired & Non-owned Auto, Nonprofit D&O, Participant Accident, Watersports Liab Carrier Status Admitted States All States
Sports & Wellness Insurance
Coverages Abuse & Molestation, Accident & Health, Crime, Cyber Liab, D&O, GL, Hired & Non-owned Auto, Inland Marine, Property, Umbrella Carrier Status Admitted, Non-admitted States All States
Ambulance Service
Markel
Coverages Abuse & Molestation, Auto Comm-Standard, CGL, Crime, Inland Marine, Professional Liability, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States except AK, HI, MA, NY
National Indemnity Company
Coverages Auto Comm-Nonstandard, Auto CommNonstandard Phys Dmg, Medical Payments, Uninsured Motorists Carrier Status Admitted, Non-admitted States All States except HI, MA, NJ, NY
Pro-Praxis Insurance
Coverages E&O, Professional Liab Carrier Status Admitted States All States
Amusement Parks
Alive Risk
Coverages Accident & Health, CGL, Excess Liab, Hired & Non-owned Auto, Inland Marine, Liquor Liab, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
American Specialty Insurance & Risk Services Inc.
Coverages Auto Comm-Standard, CGL, Crime, Employee Benefits, Excess Liab, Liquor Liab, Property, Workers’ Comp Carrier Status Admitted States All States
McGowan Allied Specialty Insurance
Coverages Auto Comm-Standard, CGL, Crime, Equipment Breakdown, Excess Liab, Hired & Non-owned Auto, Inland Marine, Property, Workers’ Comp Carrier Status Admitted States All States
Roosevelt Road Specialty
Coverages Excess Liab, GL Carrier Status Admitted States All States
The McGowan Companies
Coverages Auto Comm-Standard, Excess Liab, GL, Inland Marine, Participant Accident, Pollution, Prize Indemnification, Property, Workers’ Comp Carrier Status Admitted States All States
Animal Rescue Organizations
Care Providers Insurance Services
Coverages Accident & Health, Auto Comm-Standard, Crime, D&O, EPLI, Excess Liab, GL, Inland Marine, Professional Liab, Property States All States
Coverages Liability, Physical Damage, Uninsured Motorists Carrier Status Admitted States All States
Philadelphia Insurance Companies
Coverages Garage Liability, GL, Inland Marine, Physical Damage, Property, Umbrella Carrier Status Admitted States All States except LA
South & Western General Agency Inc.
Coverages Auto Pers-Standard, Auto Pers-Standard Phys Dmg Carrier Status Admitted States AR, MS, NM, OK, TN, TX
Apartment Building Owners
5Star Specialty Programs
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States
AllComp Solutions
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States
Amalgamated Insurance Underwriters
Coverages Boiler & Machinery, Earthquake, Flood, Property Carrier Status Non-admitted States All States except CO, FL, HI, NY, TX
Anderson & Murison Inc.
Coverages Apartment House Package, Earthquake Carrier Status Admitted, Non-admitted States All States
Berkley Luxury Group, a W.R. Berkley Company
Coverages CGL, Cyber Liab, GKLL, Hired & Non-owned Auto, Property Carrier Status Admitted States DC, GA, IL, MA, MD, MI, MN, NJ, NY, PA, VA, WI
CID Insurance Programs Inc.
Coverages BOP, CGL, Commercial Excess, Excess Liab, Fidelity, GL, Liability, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States AZ, CA, CO, ID, MD, NE, NM, NV, OR, TN, TX, UT, VA, WA
Distinguished Programs
Coverages Boiler & Machinery, CGL, Property, Umbrella Carrier Status Admitted, Non-admitted States All States
HabPro Insurance
Coverages Business Income, Equipment Breakdown, Hired & Non-owned Auto, Property Carrier Status Non-admitted States All States except AK, FL, HI, LA
Hinterland Insurance
Coverages Builders Risk, Earthquake, GL, Property, Vacant Building Carrier Status Non-admitted States All States except OK, TX
Hull & Company
Coverages Boiler & Machinery, CGL, Property Carrier Status Non-admitted States All States except DC
Logic Underwriters, a PCF Company
Coverages GL, Property Carrier Status Non-admitted States TX
MAXIMUM
Coverages Apartment House Package, Boiler & Machinery, Business Income, CGL, COC, Commercial Excess, Difference in Conditions, Earthquake, Equipment Breakdown, Excess Liab, Fire, Fire Legal Liab, Foreclosed Properties, GKLL, GL, Hail, Historic Bldgs/Unique Property, Inland Marine, Liability, Lost Key, Mechanical Breakdown, Personal Property, Physical Damage Rental Units, Pollution, Pool & Spa Liability, Property, Umbrella, Wind Carrier Status Admitted, Non-admitted States All States
MG Skinner & Associates
Coverages Apartment House Package, Boiler & Machinery, Business Income, CGL, Crime, Cyber Liab, D&O, E&O, Earthquake, EPLI, Excess Liab, Flood, Misc Professional Liab, Professional Liab, Property, Tenant Discrimination, Umbrella, Wind, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Monarch E&S Insurance Services
Coverages GL, Property Carrier Status Non-admitted States All States
NeitClem Wholesale Insurance Brokerage Inc.
Coverages Apartment House Package, Difference in Conditions, Excess Liab, Fire, Flood, Liability, Loss of Use, Tenant Discrimination Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX
Preferred Concepts LLC
Coverages CGL, Umbrella Carrier Status Admitted States All States
REInsurePro
Coverages Builders Risk, Business Income, CGL, Dwelling Fire, Earthquake, Equipment Breakdown, Flood, Foreclosed Properties, Hail, Hurricane, Medical Payments, Property, Real & Business Personal Prop, Rented Property, Residential Property, Tenant Discrimination, Theft, Vacant Building, Wind Carrier Status Admitted, Non-admitted States All States except FL, LA, NY
Roosevelt Road Specialty
Coverages Excess Liab, GL Carrier Status Admitted States NJ, NY
Southwest Risk Coverages Builders Risk, CGL, Property, Umbrella Carrier Status Admitted, Non-admitted States All States
Sovereign Group Int’l Inc.
Coverages Apartment House Package, Builders Risk, Business Income, CGL, EPLI, Fire, GL, Hail, Property, Umbrella Carrier Status Non-admitted States MA, NJ, NY
Specialty Wholesale Ins. Solution (SWIS), a Div of SPG Coverages Assault & Battery, Business Income, D&O, Earthquake, Environmental Liab, Equipment Breakdown, Fire Legal Liab, Flood, Liability, Mechanical Breakdown, Pollution, Pollution Liab, Property, Umbrella, Wind Carrier Status Admitted States CT, DC, MA, MD, NJ, NY, PA
TAPCO Underwriters Inc.
Coverages Apartment House Package, Assault & Battery, Business Income, GL, Property Carrier Status Non-admitted States Most States
Coverages Apartment House Package, Assault & Battery, CGL, Earthquake, Excess Liab, Fire, Fire Legal Liab, GL, Medical Payments, New Occurrence, Umbrella Carrier Status Non-admitted States All States
Appraisers
5Star Specialty Programs
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative)
Carrier Status Admitted States All States
Balance Partners - Maven
Coverages CGL, E&O, Excess Liab, Professional Liab
Carrier Status Non-admitted States All States
Landy Insurance Agency
Coverages BOP, Cyber Liab, E&O, Professional Liab, Workers’ Comp Carrier Status Admitted States All except AK, LA
Markel
Coverages Workers’ Comp States All States
Target Professional Programs
Coverages E&O, Professional Liab States All States
Arborists/Tree Services
Applied Underwriters Inc.
Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Combo Personal & Commercial, Truck Auto Liab, Workers’ Comp States All States
Balance Partners - Maven
Coverages CGL, E&O, Excess Liab, Professional Liab Carrier Status Non-admitted States All States
Legacy Employer Concepts LLC
Coverages EPLI, Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted, Non-admitted States All States
StateFund First, a Div of Arthur J Gallagher & Co.
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States CA
Architects & Engineers
5Star Specialty Programs
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States
Access E&S Insurance Services
Coverages Environmental Liab, Excess Liab, Liability, Professional Liab Carrier Status Admitted, Non-admitted States AR, DC, DE, GA, IL, MD, NC, NJ, NY, OH, PA, SC, TN, TX, VA
Amwins - 150+ Locations Worldwide
Coverages Pollution, Technology E&O Carrier Status Admitted, Non-admitted States All States except AK, WY
Coverages Cyber Liab, E&O, EPLI, Kidnap/Ransom, Professional Liab Carrier Status Non-admitted States All States
Logic Underwriters, a PCF Company
Coverages BOP, Professional Liab Carrier Status Admitted, Non-admitted States TX
Markel
Coverages Inland Marine, Workers’ Comp States All States except HI
NeitClem Wholesale Insurance Brokerage Inc.
Coverages Excess Liab, Professional Liab
Carrier Admitted, Non-admitted States AZ, CA, NV, TX
Professional Insurance Concepts
Coverages E&O, EPLI, Professional Liab
Carrier Status Admitted States All States
Professional Underwriters Agency (PUA)
Coverages Pollution Liab, Professional Liab
Carrier Status Admitted, Non-admitted States All States
Target Professional Programs
Coverages E&O, Professional Liability
Carrier Status Non-admitted States All States except AK, HI
Tokio Marine HCC
Coverages E&O, Professional Liab Carrier Status Admitted, Non-admitted States All States
Victor Insurance Managers LLC
Coverages Cyber Liab, E&O, Inland Marine, Liability, Pollution Liab, Professional Liab, Property Carrier Status Admitted States All States
Armored Car Services
The Mechanic Group, a Div of Specialty Programs Group Coverages CGL, Commercial Excess, Contractors License Bonds, D&O, E&O, EPLI, Fidelity Bonds, Liability, Umbrella, Workers’ Comp Carrier Status Non-admitted States All States
Asset Managers
5Star
Assisted Living Centers
Equipment
Breakdown, Flood, Property Carrier Status Non-admitted States All States except CO, FL, HI, LA, NY, TX
Ascendant Insurance Solutions
Coverages Auto Comm-Standard, Cyber Liab, Professional Liab, Property, Workers’ Comp Carrier Status Admitted States AL, AZ, CA, CO, CT, DC, FL, GA, IL,
Coverages Excess Liab, GL, Professional Liab,
Promont
Coverages CGL, Cyber Liab, Liability, Professional Liab, Property Carrier Status Non-admitted States Most States
Roosevelt Road Specialty
Coverages Excess Liab, GL, Professional Liab
Carrier Status Admitted States All States
RPS Healthcare
Coverages D&O, EPLI, Excess Liab, GL, Professional Liab, Property Carrier Status Admitted, Non-admitted States All States
Sapphire Blue
Coverages CGL, Professional Liab Carrier Status Non-admitted States All States except KY
Associations/Affinity Groups
Applied Underwriters Inc.
Coverages Accessories, Warranties, Extended Carrier Status Admitted States All States
Great American Insurance Group, Alternative Markets
Coverages Auto Comm-Standard, BOP, CGL, Inland Marine, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Philadelphia Insurance Companies
Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Boiler & Machinery, Business Income, Care/Custody/Control, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment
Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Legal Expense Ins, Personal Property, Professional Liab, Protection & Indemnity (P&I), Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA
Professional Insurance Concepts
Coverages E&O, EPLI, Professional Liab Carrier Status Admitted States All States
Venture Insurance Programs
Coverages Auto Comm-Standard, Crime, Cyber Liab, D&O, GL, Inland Marine, Liquor Liab, Medical Malpractice, Professional Liab, Property, Real & Business Personal Prop, Sexual Misconduct, Umbrella States All States
Attorneys
5Star Specialty Programs
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States
Berkley Select | a Berkley Company
Coverages E&O, EPLI, Professional Liab Carrier Status Admitted, Non-admitted States All States
Johnson & Johnson
Coverages Cyber Liab, E&O, EPLI, Kidnap/Ransom, Professional Liab Carrier Status Non-admitted States All States
Landy Insurance Agency
Coverages BOP, Crime, Cyber Liab, D&O, E&O, EPLI, Liability, Professional Liab, Workers’ Comp Carrier Status Admitted States All States
Markel
Coverages E&O, Workers’ Comp Carrier Status Admitted States All States
Number One Insurance Agency
Coverages Excess Liab, Professional Liab Carrier Status Admitted, Non-admitted States MA
Quirk & Company
Coverages CGL, Professional Liab, Property Carrier Status Non-admitted States NM, OK, OR, TN, TX, WA
Synergy Professional Associates Inc.
Coverages E&O, Professional Liab Carrier Status Admitted, Non-admitted States All States
Target Professional Programs
Coverages Auto Comm-Standard, Auto Comm-Standard Liability, BOP, Business Income, Business Interruption, Care/ Custody/Control, CGL, Crime, E&O, Employee Benefits, EPLI, Excess Liab, Fidelity, Fire, Fire Legal Liab, Legal Expense Ins, Legal Liab, Legal Malpractice, Liability, Personal Umbrella, Professional Liab, Property, Real & Business Personal Property, Theft, Umbrella, Workers’ Comp Carrier Status Non-admitted States All States
The McGowan Companies
Coverages E&O, Excess Liab, Professional Liab Carrier Status Admitted States AL, CA, CO, CT, FL, GA, MI, NV, NY, OH, TN, TX, WA
Vanguard Specialty
Coverages E&O, Excess Liab, Professional Liab Carrier Status Admitted, Non-admitted States All States
2025 Annual Program Directory, Summer Edition
Auctioneers
Markel
Coverages Auto Comm-Standard, CGL, Crime, Cyber Liab, Inland Marine, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States
Auto Body Shops
5Star Specialty Programs
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States
KBK Insurance Group Inc.
Coverages Dealers Open Lot, Garage Keepers Legal Liab, GL, On-Hook Cargo, Physical Damage, Property, Umbrella Carrier Status Admitted States All States except AK, HI, MA, NY
NeitClem Wholesale Insurance Brokerage Inc.
Coverages GL, Property Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX
Omaha National
Coverages Workers’ Comp Carrier Status Admitted States Most States
Target Managers Insurance Services
Coverages Auto Comm-Standard, BOP, EPLI, Garage Liability, GKLL, Truck Auto Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Carrier Status Admitted, Non-admitted States AZ, CA, CO, ID, NE, NM, OR, TN, TX, UT, VA, WA
KBK Insurance Group Inc.
Coverages Dealers Open Lot, Garage Keepers Legal Liab, GL, On-Hook Cargo, Physical Damage, Property, Umbrella Carrier Status Admitted States All States except AK, HI, MA, NY
MAXIMUM
Coverages Auto Comm-Nonstandard Phys Dmg, Boiler & Machinery, Builders Risk, Business Income, Business Interruption, Catastrophe, Dealers Open Lot, Excess Flood, Flood, GL, Hail, Hurricane, Inland Marine, Property, Theft, Umbrella Carrier Status Admitted, Non-admitted States All States
Meramec Secure Inc.
Coverages Product Extended Warranty, Service Contracts, Warranties, Extended Carrier Status Admitted States All States
Mexico Insurance Online
Coverages Auto Pers-Nonstandard, Auto Pers-Nonstandard Phys Dmg, Auto Pers-Standard, Auto Pers-Standard Phys Dmg, Emergency Towing & Service, Int’l Coverage - Personal States All States
Personal Safeguards Group LLC
Coverages Product Extended Warranty, Service Contracts, Warranties, Extended Carrier Status Admitted States All States
Ryan Specialty National Programs
Coverages Business Income, Crime, Cyber Liab, Dealers Open Lot, E&O, EPLI, Equipment Breakdown, Garage Keepers
Legal Liab, Garage Liability, GL, Hired & Non-owned Auto, Identity Theft, Physical Damage, Property, Umbrella Carrier Status Non-admitted States Most States
Target Managers Insurance Services
Coverages EPLI, Workers’ Comp Carrier Status Admitted States All States
Victor Insurance Managers LLC
Coverages Crime, Cyber Liab, Dealers Open Lot, E&O, EPLI, Garage Keepers Legal Liab, Garage Liability, GL, Property, Umbrella Carrier Status Admitted, Non-admitted States All States except AK, HI
Walter General Agency (WGA)
Coverages Dealers Open Lot, Excess Liab, Garage Keepers
Coverages Dealers Open Lot, Garage Keepers Legal Liab, GL, On-Hook Cargo, Property, Umbrella Carrier Status Admitted States All States except AK, HI, MA, NY
Auto Haulers/Transporters
Applied Underwriters Inc.
Coverages Auto Comm-Standard Liability & Phys Damage, Workers’ Comp Carrier Status Admitted States All States
Lancer Insurance Company
Coverages Dealer and Transporter Plates
Carrier Status Admitted States CT, NY, OH, PA
Auto Repair Shops/Garages
Amwins - 150+ Locations Worldwide
Coverages Pollution, Pollution Liab
Carrier Status Non-admitted States All States
Anderson & Murison Inc.
Coverages Garage Liability, GL, Professional Liab, Property, Tools & Equip Carrier Status Admitted, Non-admitted States All States
Applied Underwriters Inc.
Coverages Auto Comm-Standard, Auto Comm-Standard Phys Dmg, Workers’ Comp Carrier Status Admitted States All States
Ascendant Insurance Solutions
Coverages Auto Comm-Standard, Cyber Liab, Garage Liability, Workers’ Comp Carrier Status Admitted States AL, AZ, CA, CO, CT, DC, FL, GA, IL, KY, LA, MA, MD, NC, NJ, NM, NV, NY, PA, SC, TN, TX, VA, VT, WY
Ashley General Agency
Coverages Garage Keepers Legal Liab, Garage Liability, GKLL Carrier Status Non-admitted States TX
Bass Underwriters
Coverages Dealers Open Lot, Garage Keepers Legal Liab States Most States
Gorst & Compass Insurance
Coverages Garage Liability, GKLL, GL, Property
Carrier Status Non-admitted States CA
KBK Insurance Group Inc.
Coverages Dealers Open Lot, Garage Keepers Legal Liab, GL, On-Hook Cargo, Property, Umbrella Carrier Status Admitted States All States except AK, HI, MA, NY
Markel
Coverages Workers’ Comp Carrier Status Admitted States All States
Monarch E&S Insurance Services
Coverages GL, Property Carrier Status Non-admitted States All States
PartnerOne Environmental
Coverages Environmental Liab, Pollution, Pollution Liab, Transportation Pollution Liab States All States
Roush Insurance Services Inc.
Coverages Business Income & Interruption, Commercial Excess, Environmental Liab, Equipment, Excess Liab, Garage Liability, GKLL, GL, Hired & Non-owned Auto, Inland Marine, Lost Key, Physical Damage, Pollution, Property, Real & Business Personal Prop, Tools & Equip, Wrongful Repo Carrier Non-admitted States IA, IL, IN, OH, WI
South & Western General Agency Inc.
Coverages Dealers Open Lot, Garage Liability, GKLL Carrier Status Admitted, Non-admitted States AR, MS, OK, TN, TX
Target Managers Insurance Services
Coverages Auto Comm-Standard, BOP, EPLI, Garage Liability, GKLL, Truck Auto Liab, Workers’ Comp
Carrier Status Admitted, Non-admitted States All States
Admitted, Non-admitted States AZ, CA, CO, ID, MD, NE, NM, NV, OR, TN, TX, UT, VA, WA
2025 Annual Program Directory, Summer Edition
Coverages Dealers Open Lot, Garage Keepers Legal Liab, GL, On-Hook Cargo, Property, Umbrella Carrier Status Admitted States All States except AK, HI, MA, NY
Coverages Auto Comm-Standard, BOP, EPLI, Garage Liability, GKLL, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Repossessors Wilkoff Bonds
Crime, Fidelity, Fidelity Bonds Carrier Status Admitted States All States
Auto/Truck Leasing Operations
Mexico Insurance Online
Coverages Auto Pers-Nonstandard, Auto Pers-Nonstandard Phys Dmg, Auto Pers-Standard, Auto Pers-Standard Phys Dmg, Emergency Towing & Service, Int’l Coverage - Personal States All States
Philadelphia Insurance Companies
Coverages Lessors Contingent Liab, Lessors Contingent Phys Dmg, Lessors Excess Liab Carrier Status Admitted States All States except LA
Auto/Truck Rental Operations
Philadelphia Insurance Companies
Coverages Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, Excess Liab, Rented Property Carrier Admitted States All States except LA, MI, NV, NY
Bars/Taverns
Anderson & Murison Inc.
Coverages Assault & Battery, Business Income, Crime, Equipment Breakdown, Food Spoilage, GL, Liquor Liab, Medical Payments, Property, Real & Business Personal Prop Carrier Status Admitted, Non-admitted States All States
Bass Underwriters
Coverages Excess Liab, GL, Liquor Liab, Property, Umbrella States Most States
Business Alliance Insurance Company
Coverages Business Interruption, CGL, Cyber Liab, EPLI, Equipment Breakdown, Liquor Liab, Property States CA
Gorst & Compass Insurance
Coverages Business Income, Food Spoilage, GL, Glass, Liability, Liquor Liab, Property Carrier Status Non-admitted States CA
Integrated Specialty Coverages (ISC)
Coverages Assault & Battery, Equipment Breakdown, GL, Liquor Liab, Property Carrier Status Non-admitted States All States
NeitClem Wholesale Insurance Brokerage Inc.
Coverages Assault & Battery, Excess Liab, Fire, Fire Legal Liab, Liability, Liquor Liab Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX
Number One Insurance Agency
Coverages Assault & Battery, Excess Liab, Flood, GL, Liquor Liab, Property, Vacant Building Carrier Status Admitted States MA
Specialty Insurance
Coverages Assault & Battery, Boiler & Machinery, Business Income, Business Interruption, CGL, Completed Operations Liab, Crime, Fire, Fire Legal Liab, GL, Glass, Hired & Nonowned Auto, Liability, Liquor Liab, Medical Payments, Property, Real & Business Personal Prop, Spoilage, Theft Carrier Status Admitted, Non-admitted States AZ, CA, CT, DE, FL, GA, IL, MA, MD, MI, MN, MO, NC, NJ, NY, OH, PA, RI, SC, TN, TX
TAPCO Underwriters Inc.
Coverages GL, Liquor Liab, Products Liab, Property Carrier Status Non-admitted States Most States
Walter General Agency (WGA)
Coverages Abuse & Molestation, Assault & Battery, Blanket Addt’l Insureds, Blanket Waivers, Business Income, Business Interruption, CGL, Commercial Excess, Completed Operations Liab, Difference in Conditions, Employee Benefits, Equipment Breakdown, Excess Liab, Fiduciary Liab, Fire, Food Spoilage, GL, Glass, Liability, Liquor Liab, Medical, Medical Payments, Products Liab, Property, Theft, Umbrella Carrier Status Non-admitted States AR, IA, ID, IL, IN, KS, KY, MO, OK, TN
XPT Specialty
Coverages Assault & Battery, GL, Liquor Liab, Property Carrier Status Admitted, Non-admitted States All States
Beauty/Barber Shops/Salons/Schools/ Supplies
Anderson & Murison Inc.
Coverages Crime, E&O, GL, Hired & Non-owned Auto, Medical Payments, Property, Sexual Misconduct
Carrier Status Admitted, Non-admitted States All States
Balance Partners - Maven
Coverages CGL, E&O, Excess Liab, Professional Liab Carrier Status Non-admitted States All States
Bass Underwriters
Coverages GL, Property States Most States
Markel
Coverages Workers’ Comp Carrier Status Admitted States All States
NEXT Insurance
Coverages BOP, Excess Liab, GL, Professional Liab, Umbrella, Workers’ Comp Carrier Status Admitted States All States
Professional Program Ins. Brokerage (PPIB), a Div of SPG Coverages Abuse & Molestation, Blanket Addt’l Insureds, Cyber Liab, E&O, Equipment Breakdown, Excess Liab, Inland Marine, Liability, Media Liab, Misc Professional Liab, Professional Liab, Property, Sexual Misconduct, Tanning Liab, Teachers Liab Carrier Status Non-admitted States All States
Roush Insurance Services Inc.
Coverages Assault & Battery, Boiler & Machinery, Business Income, Business Interruption, CGL, Commercial Excess, Crime, Cyber Liab, D&O, E&O, EPLI, Equipment Breakdown, Excess Liab, Fire, GL, Inland Marine, Liability, Pollution, Professional Liab, Property, Real & Business Personal Prop, Tanning Liab, Theft, Tools & Equip, Trade Shows & Festivals
Carrier Status Non-admitted States IA, IL, IN, OH, WI
SASSI - Salon & Spa Specialty Insurance
Coverages BOP, Business Income, Business Interruption, CGL, Fire, Fire Legal Liab, GL, Glass, Inland Marine, Liability, Medical Payments, Professional Liab, Property, Theft, Tools & Equip Carrier Status Admitted States All States except AK, HI, VA, WA
Sovereign Group Int’l Inc.
Coverages Business Income, Business Interruption, CGL, EPLI, Fire, GL, Hail, Liability, Products Liab, Professional Liab, Property, Tanning Liab, Umbrella Carrier Status Non-admitted States MA, NJ, NY
TAPCO Underwriters Inc.
Coverages GL, Products Liab, Professional Liab, Property Carrier Status Non-admitted States Most States
Universal Insurance Programs
Coverages Abuse & Molestation, Business Income, Business Interruption, CGL, Crime, E&O, Employee Benefits, EPLI, Equipment Breakdown, Excess Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Liability, Products Liab, Professional Liab, Property, Real & Business Personal Prop, Stop-Gap, Theft, Umbrella Carrier Status Admitted States All States
Bed & Breakfasts
Philadelphia Insurance Companies
Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Boiler & Machinery, Business Income, Care/Custody/Control, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Personal Property, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA
Coverages Excess Liab, Liability, Marina Operators Legal, Piers & Docks, Property, Watersports Liab, Workers’ Comp Carrier Status Admitted States All States except AK
Marine Underwriters of America
Coverages Boats, Commercial Marine, Dealers Open Lot, Excess Liab, GL, Hired & Non-owned Auto, Hull, Inland Marine, Liquor Liab, Marina Operators Legal, Piers & Docks, Protection & Indemnity (P&I), Real & Business Personal Prop, Watercraft Liab Carrier Status Admitted States All States
Meramec Secure Inc.
Coverages Product Extended Warranty, Service Contracts, Warranties, Extended Carrier Status Admitted States All States
Mexico Insurance Online
Coverages Auto Comm-Nonstandard, Auto CommNonstandard Phys Dmg, Auto Comm-Standard, Auto CommStandard Liability, Int’l Coverage - Personal States All States
Personal Safeguards Group LLC
Coverages Product Extended Warranty, Service Contracts, Warranties, Extended Carrier Status Admitted States All States
Boat Rental Firms
Clear Marine Risk Solutions
Coverages Hull, Liability Carrier Status Admitted States All States
Markel Personal Lines
Coverages Boats, Commercial Marine, Hull, Watercraft Liab Carrier Status Admitted States All States
Sun Coast General Insurance Agency
Coverages GL, Physical Damage Rental Units, Watercraft Liab Carrier Status Admitted, Non-admitted States AK, AZ, CA, FL, NV, OR, UT, WA
Bowling
Alleys
Markel
Coverages Workers’ Comp States All States
McGowan Allied Specialty Insurance
Coverages Auto Comm-Standard, CGL, Crime, Equipment Breakdown, Excess Liab, Hired & Non-owned Auto, Inland Marine, Property, Workers’ Comp Carrier Status Admitted States All States
Sports & Wellness Insurance
Coverages Abuse & Molestation, Accident & Health, Crime, Cyber Liab, D&O, GL, Hired & Non-owned Auto, Inland Marine, Property, Umbrella Carrier Status Admitted, Non-admitted States All States
Boys &
Girls Clubs
Care Providers Insurance Services
Coverages Abuse & Molestation, Accident & Health, Auto Comm-Standard, Business Interruption, Crime, D&O, EPLI, Excess Liab, GL, Inland Marine, Professional Liab, Property Carrier Status Admitted States All States
Charity First Insurance Services Inc.
Coverages Abuse & Molestation, Auto Comm-Standard, Business Income, CGL, Cyber Liab, Property, Workers’ Comp Carrier Status Admitted States All States
Gateway Specialty Insurance
Coverages Abuse & Molestation, EPLI, GL, Nonprofit D&O, Professional Liab, Property, Umbrella Carrier Admitted, Non-admitted States All except AK, HI, LA
Great American Ins. Group, Specialty Human Services
Coverages Commercial Auto, Boiler & Machinery, Business Income, Business Interruption, CGL, Commercial Excess, Community/Social Svcs, Completed Operations Liab, Crime, Educator Legal Liab, Equipment Breakdown, Excess Liab, Fidelity, Fine Arts, Fire, Fire Legal Liab, GL, Historic Bldgs/ Unique Property, Inland Marine, Legal Liab, Liability, Liquor Liab, Medical Payments, Misc Professional Liab, Professional Liab, Property, Real & Business Personal Prop, Sexual Misconduct, Umbrella Carrier Status Admitted States All States except HI, LA, OK
Irwin Siegel Agency
Coverages Abuse & Molestation, Accident & Health, Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Boiler & Machinery, Business Income, CGL, Crime, Cyber Liab, D&O, Environmental Liab, EPLI, Equipment Breakdown, Excess Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Inland Marine, Nonprofit D&O, Professional Liab, Property, Sexual Misconduct, Student Accident, Umbrella Carrier Status Admitted, Non-admitted States All States
Addt’l Insureds, Business Income, Business Interruption, CGL, Community/Social Svcs, Crime, Developmental Disabilities, EPLI, Fiduciary Liab, Fire Legal Liab, Hired & Non-owned Auto, Inland Marine, Mechanical Breakdown, Misc Professional Liab, Nonprofit D&O, Sexual Misconduct, Umbrella, Uninsured Motorists Carrier Status Non-admitted States Most States
Philadelphia Insurance Companies
Coverages Abuse & Molestation, Commercial Auto Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, Cyber Liab, D&O, Employee Benefits, EPLI, Equipment Breakdown, Inland Marine, Participant Accident, Property, Umbrella Carrier Status Admitted States All States except LA
Breweries and Distilleries
Brewery Pak Insurance Programs
Coverages Auto Comm-Standard, Business Interruption, Cyber Liab, Equipment Breakdown, GL, Liquor Liab, Products Liab, Property, Umbrella Carrier Status Admitted States Most States
Great American Insurance Group, Alternative Markets
Coverages Auto Comm-Standard, BOP, CGL, Inland Marine, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Markel
Coverages Workers’ Comp Carrier Status Admitted States All States
Philadelphia Insurance Companies
Coverages Commercial Auto Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Liquor Liab, Participant Accident, Professional Liab, Property, Real & Business Personal Prop, Umbrella Carrier Status Admitted States All except LA
Signature Specialty, LP
Coverages GL, Inland Marine, Liquor Liab, Products Liab, Property Carrier Status Non-admitted States All States
Broadcasters
Amwins - 150+ Locations Worldwide
Coverages Auto Comm-Standard, Business Interruption, Crime, GL, Inland Marine, Property, Umbrella Carrier Status Admitted States All States
Campgrounds
K&K Insurance Group Inc.
Coverages Auto Comm-Standard, Boiler & Machinery, CGL, Crime, D&O, EPLI, Inland Marine, Liquor Liab, Property, Workers’ Comp Carrier Status Admitted States All States except FL
Markel
Coverages Workers’ Comp States All States
McGowan Allied Specialty Insurance
Coverages Auto Comm-Standard, CGL, Crime, Equipment Breakdown, Excess Liab, Hired & Non-owned Auto, Inland Marine, Property, Workers’ Comp Carrier Status Admitted States All States
Camps
Great American Ins. Group, Specialty Human Services
Coverages Commercial Auto Boiler & Machinery, Business Income, CGL, Commercial Excess, Community/Social Svcs, Completed Operations Liab, Crime, Educator Legal Liab, Equipment Breakdown, Excess Liab, Fidelity, Fine Arts, Fire Legal Liab, GL, Historic Bldgs/Unique Property, Inland Marine, Legal Liab, Liability, Liquor Liab, Medical Payments, Misc Professional Liab, Property, Real & Business Personal Prop, Sexual Misconduct, Umbrella Carrier Status Admitted States All States except HI, LA, OK
K&K Insurance Group Inc.
Coverages Auto Comm-Standard, Business Income, Crime, GL, Hired & Non-owned Auto, Inland Marine, Property, Workers’ Comp Carrier Status Admitted States All States except FL
Markel
Coverages Workers’ Comp States All States
Philadelphia Insurance Companies
Coverages Abuse & Molestation, Commercial Liability, Boiler & Machinery, Business Income, Business Interruption, CGL, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, Food Spoilage, GL, Identity Theft, Inland Marine, Participant Accident, Professional Liab, Property, Real & Business Personal Prop, Sexual Misconduct, Umbrella, Uninsured Motorists, Uninsured Personal Injury Carrier Admitted States All States except LA
RPS Signature Programs
2025 Annual Program Directory, Summer Edition
Coverages Accident & Health, CGL, Crime, D&O, Equipment, Excess Liab Carrier Status Admitted States All States
Coverages Abuse & Molestation, Accident & Health, Crime, Cyber Liab, D&O, GL, Hired & Non-owned Auto, Inland Marine, Property, Umbrella Carrier Status Admitted, Non-admitted States All States
Cannabis/Marijuana - Dispensary and Growers
Cannasure Insurance Services
Coverages Business Income, Business Interruption, CGL, Completed Operations Liab, EPLI, Equipment, Products Liab, Professional Liability, Property, Stop-Gap Carrier Status Non-admitted States All States
Flux Insurance Services LLC
Coverages Auto Comm-Standard, BOP, Cargo, CGL, Commercial Excess, Crime, Cyber Liab, D&O, E&O, Employee Benefits, EPLI, Hired & Non-owned Auto, Inland Marine, Products Liab, Professional Liab, Property, WCMaster Policies/ASO, Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted, Non-admitted States All States
Integrated Specialty Coverages (ISC)
Coverages Employee Benefits, GL, Hired & Non-owned Auto, Lessors Excess Liab, Products Liab, Property Carrier Status Non-admitted States Most States
J.E. Brown & Associates
Coverages Auto Comm-Standard, BOP, GL, Products Liab, Property States AZ, CA, CO, NV, OR, TX, UT, WA
Legacy Employer Concepts LLC
Coverages EPLI, Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted, Non-admitted States All States
Monarch E&S Insurance Services
Coverages GL, Property Carrier Status Non-admitted States All States
PEO Brokers Group
Coverages WC - Master Policies/ASO, Workers’ Comp, Workers’ Comp Plus (Alternative) States All States
StateFund First, a Div of Arthur J Gallagher & Co.
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States CA
Union General Insurance Services Inc.
Coverages CGL, Equipment Breakdown, Excess Liab, Fire, GL, Inland Marine, Personal Property, Products Liab, Property, Theft, Umbrella Carrier Status Non-admitted States AZ, CA, NM, NV, OR, TX
Car Washes
Markel
Coverages Workers’ Comp States All States
Casinos
Distinguished Programs
Coverages Cyber Liab, Liability, Umbrella Carrier Status Admitted, Non-admitted States All States
Coverages BOP, Cyber Liab, EPLI, Food Borne Illness, GL, Liquor Liab, Workers’ Comp Carrier Status Admitted States All States
Specialty Insurance
Coverages Assault & Battery, Boiler & Machinery, Business Income, Business Interruption, CGL, Completed Operations Liab, Crime, Fire, Fire Legal Liab, Food Spoilage, GL, Glass, Liability, Liquor Liab, Property, Spoilage, Theft Carrier Status Admitted, Non-admitted States AZ, CA, CT, DE, FL, GA, IL, MA, MD, MI, MN, MO, NC, NJ, NY, OH, PA, RI, SC, TN, TX
The McGowan Companies
Coverages Commercial Excess, Umbrella Carrier Status Admitted States All States
XPT Specialty
Coverages Business Income, Business Interruption, CGL, Fire, Fire Legal Liability, Liability, Medical Payments, New Occurrence, Products Liability, Property Carrier Status Admitted, Non-admitted States All States
Cemeteries
Brownyard Group
Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Boiler & Machinery, Business Income, Business Interruption, CGL, Commercial Excess, Crime, Cyber Liab, D&O, E&O, EPLI, Equipment, Equipment Breakdown, Fine Arts, Fire, GL, Hail, Hired & Non-owned Auto, Inland Marine, Liability, Nonprofit D&O, Personal Property, Professional Liab, Property, Theft, Tools & Equip, Workers’ Comp Carrier Status Admitted States All States except AK, FL, HI, WA
Chemical Manufacturers/Distributors
Axon Underwriting LLC
Coverages All Risks/Cash in Transit, Commercial Marine, Environmental Liab, Int’l Coverage - Commercial, Pollution, Pollution Liab, Property Carrier Status Admitted, Nonadmitted States All States
Brownyard Group
Coverages Blanket Addt’l Insureds, Blanket Waivers, Business Income, Business Interruption, CGL, Employee Benefits, Fire, Fire Legal Liab, GL, Glass, Hired & Non-owned Auto, Inland Marine, Liability, Personal Property, Products Liab, Professional Liab, Property, Stop-Gap Carrier Status Non-admitted States All States
ChemPlan - Chemical Insurance
Coverages Auto Comm-Standard, CGL, Environmental Liab, Property, Umbrella Carrier Status Admitted States All States
MAXIMUM
Coverages Boiler & Machinery, Builders Risk, Business Income, Business Interruption, Catastrophe, Difference in Conditions, Earthquake, Equipment, Equipment Breakdown, GL, Hurricane, Property, Umbrella Carrier Status Admitted, Non-admitted States All States
NeitClem Wholesale Insurance Brokerage Inc.
Coverages Blanket Addt’l Insureds, Completed Operations Liab, Equipment, Foreign GL, Inland Marine, Liability, Pollution, Product Extended Warranty, Products Liab Carrier Admitted, Non-admitted States AZ, CA, NV, TX
Child Care/Day Care Centers
Indemnity Excess & Surplus Agency Inc.
Coverages Abuse & Molestation, Addt’l Expense, Business Income, CGL, Equipment Breakdown, Excess Liab, Professional Liab, Property Carrier Status Admitted, Non-admitted States AZ, CA, CO, FL, ID, NV, OR, TX, WA
Markel
Coverages Abuse & Molestation, Auto Comm-Standard, CGL, Crime, Cyber Liab, Inland Marine, Property, Student Accident, Umbrella, Workers’ Comp Carrier Status Admitted States All States except HI
Nonprofits Insurance Alliance
Coverages Abuse & Molestation, Auto Comm-Standard, Auto Comm-Standard Phys Dmg, Blanket Addt’l Insureds, Business Income, Business Interruption, CGL, Community/ Social Svcs, Crime, Developmental Disabilities, EPLI, Fiduciary Liab, Fire Legal Liab, Hired & Non-owned Auto, Inland Marine, Liquor Liab, Mechanical Breakdown, Misc Professional Liab, Nonprofit D&O, Sexual Misconduct, Umbrella, Uninsured Motorists Carrier Status Non-admitted States Most States
Walter General Agency (WGA)
Coverages Abuse & Molestation, CGL, Excess Liab, GL, Professional Liab, Property, Umbrella Carrier Status Non-admitted States IL, MO
Wholesure
Coverages Abuse & Molestation, Liability, Misc Professional Liab, Umbrella, Workers’ Comp Carrier Status Non-admitted States All States
Chiropractors
Integrated Specialty Coverages (ISC)
Coverages Abuse & Molestation, Addt’l Expense, Employee Benefits, GL, Hired & Non-owned Auto, Medical Professional Carrier Status Non-admitted States All
Markel
Coverages
2025 Annual Program Directory, Summer Edition
Churches/Religious Institutions
AMIS/Alliance Marketing & Insurance Services LLC
Coverages Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, D&O, Equipment Breakdown, Liability, Property, Workers’ Comp Carrier Status Admitted States All States
Care Providers Insurance Services
Coverages Abuse & Molestation, Accident & Health, Auto Comm-Standard, Crime, D&O, EPLI, Excess Liab, GL, Inland Marine, Professional Liab, Property Carrier Status Admitted States All States
Gateway Specialty Insurance
Coverages Abuse & Molestation, EPLI, GL, Nonprofit D&O, Professional Liab, Property, Umbrella Carrier Status
Admitted, Non-admitted States All States except AK, HI, LA
Gorst & Compass Insurance
Coverages CGL, Glass, Property Carrier Status Non-admitted States CA
Irwin Siegel Agency
Coverages Abuse & Molestation, Commercial Auto, Boiler & Machinery, Business Income, CGL, Crime, Cyber Liab, D&O, Excess Liab, GL, Inland Marine, Nonprofit D&O, Professional Liab, Property, Sexual Misconduct, Umbrella Carrier Status Admitted, Non-admitted States All States
J.E. Brown & Associates
Coverages BOP, Earthquake, GL, Inland Marine, Workers’ Comp States AZ, CA, CO, NV, OR, TX, UT, WA
Markel
Coverages Accident & Health, Medical, Workers’ Comp States All States except HI
Philadelphia Insurance Companies
Coverages Abuse & Molestation, Commercial Auto, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Employee Benefits, EPLI, Fiduciary Liab, Fine Arts, Fire Legal Liab, GL, Glass, Hired & Non-owned Auto, Identity Theft, Inland Marine, Participant Accident, Professional Liab, Property, Real & Business Personal Prop, Sexual Misconduct, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA
Promont Insurance Advisors
Coverages CGL, Commercial Excess, Cyber Liab, D&O, Employee Benefits, EPLI, Excess Liab, Hired & Non-owned Auto, Professional Liab, Property, Religious Institutions Carrier Status Non-admitted States All States
RPS Signature Programs
Coverages Abuse & Molestation, Auto Comm-Standard, Auto Comm-Standard Phys Dmg, Business Income, CGL, Commercial Excess, Crime, Cyber Liab, D&O, Hired & Nonowned Auto, Inland Marine, Property, Religious Institutions, Workers’ Comp Carrier Status Admitted States All States Wholesure
Coverages Abuse & Molestation, BOP, CGL, Liability, Professional Liab, Property, Religious Institutions, Sexual Misconduct Carrier Status Non-admitted States All States
Claims Adjusters
Balance Partners - Maven
Coverages CGL, E&O, Excess Liab, Professional Liab Carrier Status Non-admitted States All States
Commercial Building Owners
Applied Underwriters Inc.
Coverages Builders Risk, Combo Personal & Commercial, Commercial Excess, Workers’ Comp Carrier Status Admitted States All States
Business Alliance Insurance Company
Coverages BOP, Equipment Breakdown Carrier Status Admitted States CA
CID Insurance Programs Inc.
Coverages Apartment House Package, BOP, Business Income, CGL, Commercial Excess, Crime, Cyber Liab, EPLI, Fidelity, GL, Hired & Non-owned Auto, Liability, Loss of Use, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States AZ, CA, CO, ID, MD, NE, NM, NV, OR, PA, TN, TX, UT, VA, WA
Continental Underwriters
Coverages Combo Personal & Commercial, Commercial Excess, Crime, Cyber Liab, Employee Benefits, Equipment Breakdown, GL, Inland Marine, Int’l Coverage - Commercial, Property, Umbrella, Wind, Workers’ Compensation Carrier Status Admitted, Non-admitted States All States
DeCotis Specialty Insurance
Coverages Apartment House Package, Business Income, CGL, Commercial Excess, Flood, Medical Payments, Property, Vacant Building, Wind Carrier Status Non-admitted States CT, DC, DE, MA, MD, ME, NH, NJ, PA, RI, VA, VT
Distinguished Programs
Coverages Boiler & Machinery, Builders Risk, CGL, GL, Property, Umbrella, Vacant Building Carrier Status Admitted, Non-admitted States All States
Hinterland Insurance
Coverages Builders Risk, CGL, Property, Vacant Building Carrier Status Non-admitted States All States
MAXIMUM
Coverages Builders Risk, Business Income, Business Interruption, Catastrophe, Earthquake, Equipment, Equipment Breakdown, Flood, GL, Property, Umbrella Carrier Status Admitted, Non-admitted States All States
MG Skinner & Associates
Coverages Apartment House Package, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, Cyber Liab, D&O, E&O, Earthquake, EPLI, Excess Liab, Flood, Misc Professional Liab, Professional Liab, Property, Tenant Discrimination, Umbrella, Wind, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
NeitClem Wholesale Insurance Brokerage Inc.
Coverages Assault & Battery, Business Income, CGL, COC, Difference in Conditions, Liability, Property Carrier Admitted, Non-admitted States AZ, CA, NV, TX
Preferred Concepts LLC
Coverages Excess Liab, GL, Umbrella Carrier Status Admitted States All States
Promont Insurance Advisors
Coverages CGL, Cyber Liab, Property Carrier Status Non-admitted States All States
Roush Insurance Services Inc.
Coverages Apartment House Package, Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, Boiler & Machinery, Business Income, Business Interruption, CGL, Commercial Excess, Crime, D&O, E&O, EPLI, Excess Liab, Fire, Foreclosed Properties, GL, Historic Bldgs/Unique Property, Inland Marine, Installation Floaters, Liability, OCP, Pollution Liab, Property, Real & Business Personal Prop, Rented Property, Tenant Discrimination, Theft, Vacant Building
Carrier Status Non-admitted States IA, IL, IN, OH, WI
Southwest Risk
Coverages Builders Risk, CGL, Property, Umbrella
Carrier Status Admitted, Non-admitted States All States
Coverages Builders Risk, Cyber Liab Carrier Status Admitted States All States except HI
Commercial Marine Companies
LIG Marine Managers
Coverages Boats, Builders Risk, Care/Custody/Control, CGL, Commercial Excess, Commercial Marine, Completed Operations Liab, Federal LHWCA, Foreign GL, Hull, Inland Marine, Legal Liab, Marina Operators Legal, Piers & Docks, Pollution Liab, Protection & Indemnity (P&I), Ship Repairers Legal, Umbrella, Wet Marine, Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States
Marine Underwriters of America
Coverages Boats, Commercial Marine, Excess Liab, GL, Hull, Inland Marine, Piers & Docks, Protection & Indemnity (P&I), Ship Repairers Legal Carrier Admitted States All States
Markel Personal Lines
Coverages Boats, Commercial Marine, Hull, Pollution Liab, Watercraft Liab Carrier Status Admitted States All States
The American Equity Underwriters Inc.
Coverages MEL, USL&H, Workers’ Comp States All States
Community Associations
Amwins - 150+ Locations Worldwide
Coverages Auto Comm-Standard, Crime, Earthquake, Equipment Breakdown, Flood, GL, Inland Marine, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States
CID Insurance Programs Inc.
Coverages Cyber Liab, D&O, EPLI, Excess Liab, Fidelity, GL, Property, Workers’ Comp Carrier Status Admitted, Nonadmitted States AZ, CA, CO, ID, MD, NE, NM, NV, OR, PA, TN, TX, UT, VA, WA
Coastal Ins hurance Underwriters Inc.
Coverages Boiler & Machinery, Business Income, CGL, Crime, Cyber Liab, Difference in Conditions, Employee Benefits, Environmental Liab, EPLI, Excess Flood, Fire, Garage Keepers Legal Liab, GL, Homeowners Pkg, Liability, Nonprofit D&O, Pool & Spa Liab, Property, Umbrella, Wind, Workers’ Comp Carrier Non-admitted States AL, CA, FL, GA, KY, TN, TX
Community Association Insurance Solutions LLC
Coverages Crime, Workers’ Comp Carrier Status Admitted States All States
Distinguished Programs
Coverages CGL, Crime, D&O, GL, Property, Umbrella Carrier Status Admitted, Non-admitted States All States
Indemnity Excess & Surplus Agency Inc.
Coverages D&O, EPLI, GL, Hired & Non-owned Auto, Property, Umbrella Carrier Status Admitted States All States except DC, LA, VT
Kevin Davis Insurance Services
Coverages Crime, Cyber Liab, D&O, Excess Liab Carrier Status Admitted States All States
MG Skinner & Associates
Coverages CGL, Crime, Cyber Liab, D&O, GL, Nonprofit D&O, Property, Umbrella Carrier Status Admitted, Non-admitted States All States
The McGowan Companies
Coverages Commercial Excess, D&O, EPLI, Excess Liab, Fidelity, Fidelity Bonds, Fiduciary Liab, Umbrella Carrier Status Admitted States All States
Community Banks/Credit Unions
Proctor Loan Protector
Coverages Blanket Forced Placed, E&O, Excess Flood, Force Place Fire Cvrg, Foreclosed Properties, High Valued Homes, Mobile Home Ins, Mortgage Impairment, Mortgage REO Coverage, Rented Property, Residential Property Carrier Status Non-admitted States All States
Ryan Specialty National Programs
Coverages Collateral Protection, Force Place Fire Cvrg, GL, Mortgage Impairment, Mortgage REO Cvrg, Property, Vacant Building Carrier Status Non-admitted States All States
Unitas Financial Services
Coverages Blanket Forced Placed, Collateral Protection, Equipment, Flood, Force Place Fire Cvrg, Mortgage Impairment, Mortgage REO Cvrg Carrier Status Admitted, Non-admitted States All States except AK
Community Health Centers
Pro-Praxis Insurance
Coverages E&O, Professional Liab Carrier Status Admitted States All States
Community/Social Services
Builders & Tradesmen’s Insurance Services Inc. (BTIS) Coverages BOP, D&O Carrier Status Admitted, Non-admitted States All States except AK, NY
Care Providers Insurance Services
Coverages Abuse & Molestation, Accident & Health, Auto Comm-Standard, Crime, D&O, EPLI, Excess Liab, GL, Inland Marine, Professional Liab, Property Carrier Status Admitted States All States
Charity First Insurance Services Inc.
Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, Business Income, CGL, Crime, Cyber Liab, EPLI, Inland Marine, Nonprofit D&O, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States
Gateway Specialty Insurance
Coverages Abuse & Molestation, EPLI, GL, Nonprofit D&O, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States except AK, HI, LA
Great American Ins. Group, Specialty Human Services
Coverages Abuse & Molestation, Auto Comm-Nonstandard, Blanket Addt’l Insureds, Business Income, CGL, Commercial Excess, Community/Social Svcs, Crime, Educator Legal Liab, Employee Benefits, Equipment Breakdown, Excess Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Inland Marine, Misc Professional Liab, Professional Liability, Umbrella Carrier Status Admitted States All States except HI, LA, OK
Irwin Siegel Agency
Coverages Abuse & Molestation, Accident & Health, Addiction Treatment, Auto Comm-Standard, Auto CommStandard Liability, Auto Comm-Standard Phys Dmg, Boiler & Machinery, Business Income, CGL, Community/Social Svcs, Crime, Cyber Liab, D&O, Developmental Disabilities, Excess Liability, GL, Inland Marine, Mental Health Care, Nonprofit D&O, Professional Liability, Property, Umbrella
Carrier Status Admitted, Non-admitted States All States
Negley Associates
Coverages CGL, Professional Liab
Carrier Status Non-admitted States All States
Nonprofits Insurance Alliance
Coverages Abuse & Molestation, Auto Comm-Standard, Auto Comm-Standard Phys Dmg, Blanket Addt’l Insureds, Business Income, Business Interruption, CGL, Community/ Social Svcs, Crime, Developmental Disabilities, EPLI, Fiduciary Liab, Fire Legal Liab, Hired & Non-owned Auto, Inland Marine, Liquor Liab, Mechanical Breakdown, Misc Professional Liab, Nonprofit D&O, Sexual Misconduct, Umbrella, Uninsured Motorists Carrier Non-admitted States Most States
Philadelphia Insurance Companies
Coverages Abuse & Molestation, Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, Food Spoilage, GL, Hired & Non-owned Auto, Identity Theft, Participant Accident, Professional Liab, Property, Real & Business Personal Prop, Sexual Misconduct, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA
RPS Signature Programs
Coverages Abuse & Molestation, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Blanket Addt’l Insureds, Crime, Cyber Liab, D&O, EPLI, Excess Liab, Fiduciary Liab, GL, Hired & Non-owned Auto, Inland Marine, Nonprofit D&O, Professional Liab, Property, Workers’ Comp States All States
Venture Insurance Programs
Coverages Auto Comm-Standard, Crime, Cyber Liab, D&O, GL, Inland Marine, Liquor Liab, Medical Malpractice, Professional Liab, Property, Real & Business Personal Prop, Sexual Misconduct, Umbrella Carrier Status Admitted States All States
Computer Consultants/Programmers/ Designers
Indemnity Excess & Surplus Agency Inc.
Coverages Cyber Liab, GL, Property, Technology E&O Carrier Status Admitted, Non-admitted States Most States
Philadelphia Insurance Companies
Coverages BOP, E&O Carrier Status Admitted
States All States except LA
Professional Insurance Concepts
Coverages E&O, EPLI, Professional Liab
Carrier Status Admitted States All States
Professional Underwriters Agency (PUA)
Coverages Products Liab, Professional Liab Carrier Status Admitted, Non-admitted States All States
RPS Technology & Cyber
Coverages BOP, Breach of Security, Business Income, Business Interruption, CGL, Combo Personal & Commercial, Completed Operations Liab, Crime, Cyber Liab, D&O, E&O, Employee Benefits, EPLI, Excess Liab, Fidelity, Fidelity Bonds, Fiduciary Liab, Hired & Non-owned Auto, Liability, Media Liab, Products Liab, Professional Liab, Property, Technology E&O, Umbrella Carrier Status Admitted States All States except DC
Concessionaires and Vendors
Alive Risk
Coverages Abuse & Molestation, CGL, Event Cancellation, Excess Liab, Hired & Non-owned Auto, Prize Indemnification, Property, Workers’ Compensation Carrier Status Admitted, Non-admitted States All States
Roush Insurance Services Inc.
Coverages Bailee/Customer Goods, Care/Custody/Control, CGL, Equipment Breakdown, Excess Liab, Fire, Food Spoilage, Inland Marine, Liability, Liquor Liab, Medical Payments, Portable Equip, Property, Real & Business Personal Prop, Spoilage, Tools & Equip, Trade Shows & Festivals Carrier Non-admitted States IA, IL, IN, OH, WI
Concrete Pumper Firms
Norman-Spencer Agency LLC
Coverages Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, CGL, Inland Marine, Property, Umbrella Carrier Status Admitted States All States except DC, NY
Condo Associations
Amalgamated Insurance Underwriters
Coverages Boiler & Machinery, Earthquake, Flood, Property Carrier Status Non-admitted States All States except CO, FL, HI, LA, NY, TX
Berkley Luxury Group, a W.R. Berkley Company
Coverages CGL, Cyber Liab, GKLL, Hired & Non-owned Auto, Property Carrier Status Admitted States DC, GA, IL, MA, MD, MI, MN, NJ, NY, PA, VA, WI
2025 Annual Program Directory, Summer Edition
Coastal Insurance Underwriters Inc.
Coverages Boiler & Machinery, Business Income, CGL, Crime, Cyber Liab, Difference in Conditions, Employee Benefits, Environmental Liab, EPLI, Excess Flood, Fire, Flood, Garage Keepers Legal Liab, GL, Homeowners Pkg, Liability, Nonprofit D&O, Pool & Spa Liab, Property, Umbrella, Wind, Workers’ Comp Carrier Status Non-admitted States AL, CA, FL, GA, KY, TN, TX
Commercial Sector Ins. Brokers, Part of Monarch E&S Coverages Catastrophe, CGL, Commercial Excess, Contingent Coverages, Equipment Breakdown, Excess Flood, Hurricane, Property, Umbrella, Wind Carrier Status Non-admitted States Most States
Community Association Insurance Solutions LLC
Coverages Crime, Workers’ Comp Carrier Status Admitted States All States
Distinguished Programs
Coverages CGL, Crime, D&O, GL, Property, Umbrella Carrier Status Admitted, Non-admitted States All States
HabPro Insurance
Coverages Business Income, Equipment Breakdown, Hired & Non-owned Auto, Property Carrier Status Non-admitted States All States except AK, FL, HI, LA
Kevin Davis Insurance Services
Coverages Crime, Cyber Liab, D&O, Excess Liab Carrier Status Admitted States All States
MG Skinner & Associates
Coverages Boiler & Machinery, Crime, D&O, Earthquake, Excess Liab, Flood, GL, Property, Umbrella, Wind Carrier Status Admitted, Non-admitted States All States
Philadelphia Insurance Companies
Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, Employee Benefits, Equipment Breakdown, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Participant Accident, Professional Liab, Property, Real & Business Personal Prop, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA
Specialty Wholesale Ins. Solution (SWIS), a Div of SPG Coverages Crime, D&O, Liability, Pollution Liab, Property, Umbrella Carrier Status Admitted States CT, DC, MA, MD, NJ, NY, PA
Condo/Homeowner Associations
Amalgamated Insurance Underwriters
Coverages Boiler & Machinery, Earthquake, Flood, Property Carrier Status Non-admitted States All States except CO, FL, HI, LA, NY, TX
Anderson & Murison Inc.
Coverages Crime, GL, Hired & Non-owned Auto, Medical Payments, Property, Theft Carrier Status Admitted, Non-admitted States All States
Bass Underwriters
Coverages GL, Professional Liab, Property States Most States
Berkley Select | a Berkley Company
Coverages E&O, EPLI, Nonprofit D&O Carrier Status Admitted, Non-admitted States All States
Builders & Tradesmen’s Insurance Services Inc. (BTIS) Coverages D&O, GL, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except AK, NY
Coastal Insurance Underwriters Inc.
Coverages Boiler & Machinery, Business Income, CGL, Crime, Cyber Liab, Difference in Conditions, Employee Benefits, Environmental Liab, EPLI, Excess Flood, Fire, Flood, Garage Keepers Legal Liab, GL, Homeowners Pkg, Liability, Nonprofit D&O, Pool & Spa Liab, Property, Umbrella, Wind, Workers’ Comp Carrier Status Non-admitted States AL, CA, FL, GA, KY, TN, TX
Commercial Sector Ins. Brokers, Part of Monarch E&S
Coverages Catastrophe, CGL, Commercial Excess, Contingent Coverages, Earthquake, Equipment Breakdown, Excess Flood, Hurricane, Property, Umbrella, Wind Carrier Status Non-admitted States Most States
Community Association Insurance Solutions LLC
Coverages Crime, Workers’ Comp Carrier Status Admitted States All States
DeCotis Specialty Insurance
Coverages Business Income, CGL, Medical Payments, Property, Wind Carrier Status Non-admitted States CT, DE, MA, MD, ME, NH, NJ, RI, VA, VT
Distinguished Programs
Coverages CGL, Crime, D&O, GL, Property, Umbrella Carrier Status Admitted, Non-admitted States All States
HabPro Insurance
Coverages Business Income, Equipment Breakdown, Hired & Non-owned Auto, Property Carrier Status Non-admitted States All States except AK, FL, HI, LA
Hull & Company
Coverages Assault & Battery, CGL, D&O, Difference in Conditions, Equipment Breakdown, Excess Flood, GKLL, Property, Umbrella Carrier Status Non-admitted States All States
J.E. Brown & Associates
Coverages BOP, Earthquake, GL, Inland Marine, Workers’ Comp States AZ, CA, CO, NV, OR, TX, UT, WA
Kevin Davis Insurance Services
Coverages Crime, Cyber Liab, D&O, Excess Liab
Carrier Status Admitted States All States
Markel
Coverages Workers’ Comp States All States
MexiPass International Insurance Services LLC
Coverages Int’l Coverage - Commercial, Int’l CoveragePersonal Carrier Status Admitted States All States
MG Skinner & Associates
Coverages Boiler & Machinery, Crime, D&O, Earthquake, Excess Liab, Flood, GL, Property, Umbrella, Wind Carrier Status Admitted, Non-admitted States All States
NeitClem Wholesale Insurance Brokerage Inc.
Coverages GL, Property Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX
Philadelphia Insurance Companies
Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, Employee Benefits, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Participant Accident, Professional Liab, Property, Real & Business
Personal Prop, Umbrella, Uninsured Motorists
Carrier Status Admitted States All States except LA
Quirk & Company
Coverages CGL, D&O, Excess Flood, Flood, Property Carrier Admitted, Non-admitted States LA, OK, OR, TX, WA
South & Western General Agency Inc.
Coverages GL, Nonprofit D&O, Professional Liab Carrier Status Non-admitted States AR, MS, OK, TN, TX
Sovereign Group Int’l Inc.
Coverages CGL, Commercial Excess, D&O, EPLI, Fire, GL, Liability, Professional Liab, Umbrella Carrier Status Non-admitted States MA, NJ, NY
Starfish Specialty Insurance
Coverages Crime, D&O, Excess Liab States All States
TAPCO Underwriters Inc.
Coverages D&O, GL, Property Carrier Status Non-admitted States Most States
UCA General Insurance Services Inc.
Coverages CGL, Cyber Liab, D&O, Equipment Breakdown, Fire Legal Liab, Hired & Non-owned Auto, Medical Payments, Property, Umbrella Carrier Status Non-admitted States AZ, CA, ID, NV, OR, UT, WA
US Assure
Coverages Builders Risk, Business Income, COC, Earthquake, Fire, Flood, Hail, High Valued Homes, Hurricane, Installation Floaters, Residential Property, Theft, Weather, Wind Carrier Status Admitted States All States
Wilkoff Bonds
Coverages Crime, Fidelity, Fidelity Bonds
Carrier Status Admitted States All States
Condominium Owners
Commercial Sector Ins. Brokers, Part of Monarch E&S
Coverages Catastrophe, Contingent Coverages, Earthquake, Hurricane, Property, Wind Carrier Status Non-admitted States Most States
Indemnity Excess & Surplus Agency Inc.
Coverages CGL, Hired & Non-owned Auto, Loss of Use, Rented Property, Residential Property, Umbrella Carrier Non-admitted States AZ, CA, CO, ID, NV, OR, TX, WA
J.E. Brown & Associates
Coverages BOP, Earthquake, GL, Inland Marine, Workers’ Comp States AZ, CA, CO, NV, OR, TX, UT, WA
Markel
Coverages Workers’ Comp States All States
MG Skinner & Associates
Coverages Addt’l Living Expense, Earthquake, Fine Arts, Flood, Food Spoilage, Homeowners Pkg, Loss of Use, Personal Liab, Personal Property, Personal Umbrella, Property, Theft, Umbrella, Wind Carrier Status Admitted, Non-admitted States All States
2025 Annual Program Directory, Summer Edition
REInsurePro
Coverages Builders Risk, Business Income, CGL, Dwelling Fire, Earthquake, Equipment Breakdown, Flood, Foreclosed Properties, Hail, Hurricane, Liability, Medical Payments, Property, Real & Business Personal Prop, Rented Property, Residential Property, Tenant Discrimination, Theft, Vacant Building, Wind Carrier Status Non-admitted States All States except FL, LA, NY
Construction Managers
PartnerOne Environmental
Coverages E&O, Environmental Liab, Pollution, Pollution Liab, Transportation Pollution Liab States All States
Professional Underwriters Agency (PUA)
Coverages Pollution Liab, Professional Liab Carrier Status Admitted, Non-admitted States All States
Target Professional Programs
Coverages E&O, Professional Liab Carrier Status Non-admitted States All States
US Assure
Coverages Builders Risk, Business Income, COC, Contractors Equip, Fire, Flood, High Valued Homes, Installation Floaters, Residential Property, Theft, Tools & Equip, Weather, Wind Carrier Status Admitted States All States
Construction Wrap-Up
Coverages Excess Liab, GL, Umbrella Carrier Status Admitted, Non-admitted States All
Consultants-All
Kinds
5Star Specialty Programs
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States
AMIS/Alliance Marketing & Insurance Services LLC
Coverages Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, BOP, Liability, Professional Liab, Property, Workers’ Comp Carrier Status Admitted States All States
Anderson & Murison Inc.
Coverages Commercial Excess, D&O, EPLI, Professional Liab Carrier Status Admitted, Non-admitted States All States
Norman-Spencer International Inc.
Coverages E&O, Professional Liab Carrier Status Admitted States All States except AK, HI
Professional Insurance Concepts
Coverages E&O, EPLI, Professional Liab Carrier Status Admitted States All States
Professional Underwriters Agency (PUA)
Coverages E&O, Professional Liab Carrier Status Admitted, Non-admitted States All States
U.S. E&O Brokers, a Division of U.S. Risk, LLC
Coverages Crime, Cyber Liab, D&O, E&O, EPLI, Fidelity Bonds, Insurance Broker Bonds, Nonprofit D&O, Professional Liab, Technology E&O Carrier Status Admitted, Non-admitted States Most States
Western Surplus Lines Agency Inc.
Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Contractors Equip, Control of Well, Excess Liab, Inland Marine, Medical Payments, Misc Professional Liab, Pollution Liab Carrier Status Non-admitted States LA, ND, NM, OK, TX
Consultants-Environmental
Access E&S Insurance Services
Coverages Excess Liab, Liability, Pollution Liab, Professional Liab Carrier Status Non-admitted States AR, DC, DE, GA, IL, MD, NC, NJ, NY, OH, PA, SC, TN, TX, VA
Ashley General Agency
Coverages GL, Pollution Liab, Professional Liab Carrier Status Non-admitted States TX
Axon Underwriting LLC
Coverages Pollution, Pollution Liab Carrier Status Admitted, Non-admitted States All States
Beacon Hill Associates
Coverages CGL, E&O, Environmental Liab, Pollution, Pollution Liab, Transportation Pollution Liab, Workers’ Comp States All States
Commercial Sector Ins. Brokers, Part of Monarch E&S Coverages CGL, Commercial Excess, Contractors Equip, Environmental Liab, Misc Professional Liab, Professional Liab, Umbrella Carrier Non-admitted States Most States
Coverages CGL, E&O, Pollution Carrier Status Non-admitted States All States
Keith D. Peterson & Company Inc
Coverages GL, Hired & Non-owned Auto, Professional Liab, Umbrella Carrier Admitted, Non-admitted States All States
Victor Insurance Managers LLC
Coverages Business Interruption, Cyber Liab, E&O, Liability, Pollution, Pollution Liab, Professional Liab
Carrier Status Admitted, Non-admitted States All States
Contractors
Amwins - 150+ Locations Worldwide
Coverages Equipment, Excess Liab, GL, Umbrella
Carrier Status Admitted, Non-admitted States All States
Anderson & Murison Inc.
Coverages Business Income, Contractors Equip, Equipment Breakdown, GL, Inland Marine, Professional Liab, Property, Real & Business Personal Prop Carrier Status Admitted, Non-admitted States All States
Applied Underwriters Inc.
Coverages Builders Risk, Commercial Excess, Workers’ Comp Carrier Status Admitted States All States
Ascendant Insurance Solutions
Coverages Auto Comm-Standard, Contractors Equip, Excess Liab, GL, Workers’ Comp Carrier Status Admitted States AL, AZ, CA, CO, CT, DC, FL, GA, IL, KY, LA, MA, MD, NC, NJ, NM, NV, NY, PA, SC, TN, TX, VA, VT, WY
Builders & Tradesmen’s Insurance Services Inc. (BTIS)
Coverages Auto Comm-Nonstandard, Auto Comm-Standard, Builders Risk, CGL, COC, Contractors Equipment, Excess Liability, GL, Inland Marine, Property, Workers’ Comp
Carrier Status Admitted, Non-admitted
States All States except AK, FL, HI, MD, NY, VT
CID Insurance Programs Inc.
Coverages Blanket Addt’l Insureds, Contractors Equip, Crime, Equipment Breakdown, Excess Liab, Inland Marine, Medical Payments, Pollution Liab, Professional Liab, Property
Carrier Status Admitted, Non-admitted States AZ, CA, CO, MD, NM, NV, OR, TN, TX, UT, VA, WA
Construction Insurance Services LLC
Coverages Excess Liab, GL Carrier Status Non-admitted
States All States
Cowbell Cyber
Coverages Breach of Security, Business Income, Business Interruption, Cyber Liab Carrier Status Admitted
States All States except HI
CRC Insurance Services
Coverages Excess Liab, GL Carrier Status Non-admitted
States All States except NY
Frank Winston Crum Insurance
Coverages Excess Liab, GL, Workers’ Comp
Carrier Status Admitted States Most States
Gridiron Insurance Underwriters Inc.
Coverages Excess Liab, GL Carrier Status Admitted, Non-admitted States NJ, NY
Hinterland Insurance
Coverages CGL, Inland Marine Carrier Status Non-admitted States CA
License Bonds, GL, Inland Marine, Motor Truck Cargo, Non-Trucking Auto Liab, Pollution, Professional Liab, Tools & Equip, Workers’ Comp Carrier Status Non-admitted
States All States
J.E. Brown & Associates
Coverages Cyber Liab, D&O, E&O, EPLI
States AZ, CA, CO, NV, OR, TX, UT, WA
JC Wilson Consulting Inc.
Coverages Boiler & Machinery, Equipment Breakdown, Product Extended Warranty, Service Contracts, Warranties, Extended Carrier Status Admitted States All States
National Elevator Insurance Solutions / HUB International Coverages Auto Comm-Standard, GL, Installation Floaters, OCP, Property, Umbrella, Workers’ Comp
Carrier Status Admitted States All States except HI
National Indemnity Company
Coverages Auto Comm-Nonstandard, Auto CommNonstandard Phys Dmg, Liability, Medical Payments, Products Liab, Uninsured Motorists Carrier Status Admitted, Non-admitted States All States except HI, MA, NJ, NY
NeitClem Wholesale Insurance Brokerage Inc.
Coverages Blanket Addt’l Insureds, Completed Operations Liab, Contractors Equip, Excess Liab, Hired & Non-owned Auto, Liability, Medical Payments, Pollution, Pollution Liab, Professional Liab, Residential `wrap-up`, Tools & Equip, Umbrella Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX
NEXT Insurance
Coverages CGL, E&O, Equipment, Professional Liab Carrier Status Admitted States All States
Omaha National
Coverages Workers’ Comp Carrier Status Admitted States Most States
Oryx Insurance Brokerage Inc.
Coverages Auto Comm-Standard, GL, Umbrella, Workers’ Comp Carrier Status Admitted States CT, DE, MD, NJ, NY, PA, VT
PEO Brokers Group
Coverages WC - Master Policies/ASO, Workers’ Comp, Workers’ Comp Plus (Alternative) States All States
Philadelphia Insurance Companies
Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Boiler & Machinery, Business Income, Care/Custody/Control, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Legal Expense Ins, Personal Property, Professional Liab, Protection & Indemnity (P&I), Umbrella, Uninsured Motorists Carrier Status Admitted, Non-admitted States All States except LA, NY
Professional Underwriters Agency (PUA)
Coverages Pollution Liab, Professional Liab States All States
REInsurePro
Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Completed Operations Liab, Excess Liab, Products Liab Carrier Status Non-admitted States All States except CO, LA, NJ, NY
Roosevelt Road Specialty
Coverages Auto Comm-Standard, Excess Auto, Excess Liab, GL Carrier Status Admitted States AL, AZ, CA, CT, FL, GA, LA, MA, NC, NJ, NM, NY, PA, SC, TX, VA
Roush Insurance Services Inc.
Coverages Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, Boiler & Machinery, Builders Risk, Business Income, Business Interruption, CGL, Commercial Excess, Completed Operations Liab, Contractors Equip, Contractors License Bonds, Crime, D&O, E&O, Environmental Liab, EPLI, Equipment, Excess Liab, Fire, GL, Herbicide & Pesticide, Hired & Non-owned Auto, Inland Marine, Installation Floaters, Liability, Mechanical Breakdown, Medical Payments, OCP, Pollution, Pool & Spa Liab, Portable Equip, Property, Real & Business Personal Prop, Theft, Tools & Equip, Vacant Building Carrier Status Non-admitted States IA, IL, IN, OH, WI
Coverages Auto Comm-Nonstandard, Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, Builders Risk, Business Income, Business Interruption, CGL, Commercial Excess, Completed Operations Liab, Contractors Equip, Difference in Conditions, Equipment Breakdown, Excess Liab, Fire, Inland Marine, Installation Floaters, Liability, Medical Payments, OCP, Property, Tools & Equip, Umbrella Carrier Status Non-admitted States AR, IA, IL, IN, KS, KY, MO, OK, TN
XPT Specialty
Coverages Blanket Addt’l Insureds, Builders Risk, CGL, COC, Completed Operations Liab, Contractors Equip, Fire Legal Liab, Medical Payments, New Occurrence, Pollution Liab, Tools & Equip Carrier Status Admitted, Non-admitted States All States
Contractors-Air Conditioning
Builders & Tradesmen’s Insurance Services Inc. (BTIS)
Coverages Auto Comm-Nonstandard, Auto Comm-Standard, Builders Risk, CGL, COC, Contractors Equip, Excess Liability, GL, Inland Marine, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except AK, FL, HI, MD, NY, VT
Frank Winston Crum Insurance
Coverages Excess Liab, GL, Workers’ Comp Carrier Status Admitted States Most States
Gridiron Insurance Underwriters Inc.
Coverages Excess Liab, GL Carrier Status Non-admitted States NJ, NY
Integrated Specialty Coverages (ISC)
Coverages CGL, GL Carrier Status Non-admitted States All States
Legacy Employer Concepts LLC
Coverages EPLI, Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted, Non-admitted States All States
Norman-Spencer Agency LLC
Coverages GL, Inland Marine, Property, Umbrella, Workers’ Comp Carrier Status Non-admitted States All States
Omaha National
Coverages Workers’ Comp Carrier Status Admitted States Most States
Oryx Insurance Brokerage Inc.
Coverages Auto Comm-Standard, GL, Umbrella, Workers’ Comp Carrier Status Admitted States CT, DE, MD, NJ, NY, PA, VT
REInsurePro
Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Completed Operations Liab, Excess Liab, Products Liab Carrier Status Non-admitted States All States except CO, LA, NJ, NY
Shield Commercial Insurance Services
Coverages CPPL, Excess Liability, GL, Inland Marine, Pollution, Professional Liability, Workers’ Comp Carrier Status Non-admitted States Most States
Contractors-Alarm
Brownyard Group
Coverages Assault & Battery, Auto Comm-Standard, Blanket Addt’l Insureds, Care/Custody/Control, CGL, Commercial Excess, Crime, E&O, Excess Liab, Fidelity, Fidelity Bonds, Fire Legal Liab, GL, Inland Marine, Liability, Lost Key, Professional Liab, Property Carrier Status Admitted States All States except NE
Frank Winston Crum Insurance
Coverages Excess Liab, GL, Workers’ Comp Carrier Status Admitted States Most States
Integrated Specialty Coverages (ISC)
Coverages CGL, GL Carrier Status Non-admitted States All States
Integrated Underwriters ®
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted, Non-admitted States Most States
Omaha National Coverages Workers’ Comp Carrier Status Admitted States Most States
Philadelphia Insurance Companies
Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Boiler & Machinery, Business Income, Care/Custody/Control, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Legal Expense Ins, Personal Property, Professional Liab, Protection & Indemnity (P&I), Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA
Carrier Status Non-admitted States All States except CO, LA, NJ, NY
Ryan Specialty National Programs
Coverages Auto Comm-Nonstandard, Care/Custody/Control, Crime, E&O, Excess Liab, GL, Inland Marine, Lost Key, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
The Mechanic Group, a Div of Specialty Programs Group Coverages CGL, Commercial Excess, Contractors License Bonds, D&O, E&O, EPLI, Liability, Umbrella, Workers’ Comp Carrier Status Non-admitted States All States
Contractors-Artisan
AllComp Solutions
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States
Builders & Tradesmen’s Insurance Services Inc. (BTIS)
Coverages Auto Comm-Nonstandard, Auto Comm-Standard, Builders Risk, CGL, COC, Contractors Equipment, Excess Liability, GL, Inland Marine, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except AK, FL, HI, MD, NY, VT
Frank Winston Crum Insurance
Coverages Excess Liab, GL, Workers’ Comp
Carrier Status Admitted States Most States
Hinterland Insurance
Coverages CGL, Inland Marine Carrier Status Non-admitted States CA
Integrated Specialty Coverages (ISC)
Coverages Blanket Addt’l Insureds, Blanket Waivers, BOP, CGL, COC, Commercial Excess, Contractors License Bonds, E&O, GL, Inland Marine, Liquor Liab, Motor Truck Cargo, Pollution, Workers’ Comp Carrier Status Non-admitted States All States
Integrated Underwriters ®
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted, Non-admitted States Most States
Ironwood Brokers & Insurance Marketing
Coverages GL, Liability Carrier Status Admitted States Most States
JM Wilson
Coverages Builders Risk, Business Income, Crime, Cyber Liab, E&O, EPLI, Equipment Breakdown, Excess Liab, Foreign GL, GL, Inland Marine, OCP, Pollution Liab, Professional Liab, Property, Railroad Protective Liab, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except AK, HI, NY
Lancer Insurance Company
Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg
Carrier Status Admitted States CT, NJ, NY, OH, PA
Legacy Employer Concepts LLC
Coverages EPLI, Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted, Non-admitted States All States
Logic Underwriters, a PCF Company
Coverages GL, Umbrella, Workers’ Comp
Carrier Status Non-admitted States TX
Markel
Coverages Auto Pers-Standard, Excess Liab, GL, Inland Marine, Workers’ Comp States AK, AL, CA, CO, DC, FL, GA, HI, IL, LA, MA, MN, MS, MT, ND, NJ, NM, NV, NY, SC, SD, TX, WA, WV, WY
MiniCo Insurance Agency, a Jencap Company
Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Blanket Addt’l Insureds, Builders Risk, CGL, Contractors Equip, Crime, Property, Tools & Equip Carrier Status Admitted, Non-admitted States AZ, CA, NV
Monarch E&S Insurance Services
Coverages GL, Inland Marine Carrier Status Non-admitted States All States
Carrier Status Admitted, Non-admitted States All States
Omaha National
Coverages Workers’ Comp Carrier Status Admitted States Most States
Oryx Insurance Brokerage Inc.
Coverages Auto Comm-Standard, GL, Umbrella, Workers’ Comp Carrier Admitted States CT, DE, MD, NJ, NY, PA, VT
Quirk & Company
Coverages Commercial Excess, GL, Property
Carrier Status Non-admitted States AL, AR, AZ, LA, MO, ND, NM, OK, TN, TX, WA, WY
REInsurePro
Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Completed Operations Liab, Excess Liab, Products Liab Carrier Status Non-admitted States All States except CO, LA, NJ, NY
Shield Commercial Insurance Services
Coverages CPPL, Excess Liab, GL, Inland Marine, Pollution, Professional Liability, Workers’ Comp Carrier Status Non-admitted States Most States
Southwest Risk
Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Umbrella Carrier Status Non-admitted States All States
Sovereign Group Int’l Inc.
Coverages Builders Risk, CGL, Commercial Excess, Completed Operations Liab, Contractors Equip, EPLI, Fire, GL, Professional Liab, Property, Umbrella Carrier Status Non-admitted States MA, NJ, NY
Target Managers Insurance Services
Coverages Auto Comm-Standard, Builders Risk, Contractors Equip, Contractors License Bonds, Environmental Liab, EPLI, Excess Liab, GL, Inland Marine, OCP, Professional Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
The McGowan Companies
Coverages Commercial Excess, Excess Liab, Umbrella States All States
Wholesure
Coverages Excess Liab, GL, Inland Marine, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Contractors-Demolition
Beacon Hill Associates
Coverages CGL, E&O, Environmental Liab, Pollution, Pollution Liab, Transportation Pollution Liab, Workers’ Comp States All States
Jencap Specialty Insurance Services (Environmental) Coverages Pollution, Pollution Liab Carrier Status Non-admitted States All States
WORKERS COMPENSATION INSURANCE
We provide tailor-made solutions designed to meet the needs of each client. In addition to competitive pricing, we offer:
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Working with us is easy. We operate on an open brokerage basis and do everything in-house. We entertain hard-to-place risks with the following characteristics:
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2025 Annual Program Directory, Summer Edition
Norman-Spencer Agency LLC
Coverages Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, Excess Liab, GL, Property, Tools & Equip Carrier Admitted, Non-admitted States All States except NY
PartnerOne Environmental
Coverages CGL, E&O, Environmental Liab, Pollution, Pollution Liab, Transportation Pollution Liab, Workers’ Comp States All States
Contractors-Electrical
Builders & Tradesmen’s Insurance Services Inc. (BTIS)
Coverages Commercial Auto, Builders Risk, CGL, COC, Contractors Equipment, Excess Liability, GL, Inland Marine, Property, Workers’ Comp Carrier Admitted, Non-admitted States All States except AK, FL, HI, MD, NY, VT
Frank Winston Crum Insurance
Coverages Excess Liab, GL, Workers’ Comp Carrier Status Admitted States Most States
Integrated Specialty Coverages (ISC)
Coverages CGL, GL Carrier Status Non-admitted States All States
Integrated Underwriters ®
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted, Non-admitted States Most States
Legacy Employer Concepts LLC
Coverages EPLI, Workers’ Comp, Workers’ Comp (Alternative) Carrier Status Admitted, Non-admitted States All States
Markel
Coverages Auto Comm-Standard, Excess Liab, GL, Inland Marine, Workers’ Comp States AK, AL, CA, CO, DC, FL, GA, HI, IL, LA, MA, MN, MS, MT, ND, NJ, NM, NV, NY, SC, SD, TX, WA, WV, WY
Oryx Insurance Brokerage Inc.
Coverages Auto Comm-Standard, GL, Umbrella, Workers’ Comp Carrier Admitted States CT, DE, MD, NJ, NY, PA, VT
REInsurePro
Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Completed Operations Liab, Excess Liab, Products Liab Carrier Non-admitted States All States except CO, LA, NJ, NY
Ryan Specialty National Programs
Coverages Auto Comm-Nonstandard, Crime, GL, Inland Marine, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Shield Commercial Insurance Services
Coverages CPPL, Excess Liability, GL, Inland Marine, Pollution, Professional Liability, Workers’ Comp Carrier Status Non-admitted States Most States
Contractors-Elevators
National Elevator Insurance Solutions / HUB International Coverages Auto Comm-Standard, GL, Installation Floaters, OCP, Property, Umbrella, Workers’ Compensation Carrier Status Admitted States All States except HI
Contractors-Environmental
Amwins - 150+ Locations Worldwide
Coverages GL, Pollution Liab, Professional Liab Carrier Status Admitted, Non-admitted States All States
Axon Underwriting LLC
Coverages Pollution, Pollution Liab Carrier Status Admitted, Non-admitted States All States
Beacon Hill Associates
Coverages CGL, E&O, Environmental Liab, Pollution, Pollution Liab, Transportation Pollution Liab, Workers’ Comp States All States
Integrated Specialty Coverages (ISC)
Coverages CGL, GL Carrier Status Non-admitted States All States
Coverages Auto Comm-Standard, GL, Pollution, Pollution Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
PartnerOne Environmental
Coverages CGL, E&O, Pollution Carrier Status Non-admitted States All States
Philadelphia Insurance Companies
Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Boiler & Machinery, Business Income, Care/Custody/Control, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Legal Expense Ins, Personal Property, Professional Liab, Protection & Indemnity (P&I), Umbrella, Uninsured Motorists Carrier Status Admitted, Non-admitted States All States except LA, NY
Quirk & Company
Coverages CGL, Contractors Equip, D&O, E&O, Environmental Liab, Equipment, Excess Flood, Excess Liab, Flood, Kidnap/ Ransom, Pollution Liab, Professional Liab, Property Carrier Status Non-admitted States LA, OK, OR, TX, WA
Builders & Tradesmen’s Insurance Services Inc. (BTIS)
Coverages Auto Comm-Nonstandard, Auto Comm-Standard, CGL, COC, Contractors Equip, Excess Liab, GL, Inland Marine, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except AK, FL, HI, MD, NY, VT
Commercial Sector Ins. Brokers, Part of Monarch E&S
Coverages CGL, Commercial Excess, Completed Operations Liab, E&O, Excess Liab, GL, Liability, Professional Liab, Umbrella Carrier Status Non-admitted States Most States
Integrated Specialty Coverages (ISC)
Coverages CGL, GL Carrier Non-admitted States All States
Integrated Underwriters ®
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted, Non-admitted States Most States
Coverages EPLI, Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted, Non-admitted States All States
PartnerOne Environmental
Coverages CGL, E&O, Environmental Liab, Pollution, Pollution Liab, Transportation Pollution Liab, Workers’ Comp States All States
Ryan Specialty National Programs
Coverages Auto Comm-Nonstandard, Crime, GL, Inland Marine, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Contractors-Fire Protection/Fire Sprinkler
Amwins - 150+ Locations Worldwide
Coverages GL, Pollution Liab, Professional Liab, Umbrella Carrier Status Admitted States All States except AK, HI
Coverages CGL, E&O, Equipment, Professional Liab Carrier Status Admitted States All States
Omaha National Coverages Workers’ Comp Carrier Status Admitted States Most States
Oryx Insurance Brokerage Inc.
Coverages Auto Comm-Standard, GL, Umbrella, Workers’ Comp Carrier Status Admitted States CT, DE, MD, NJ, NY, PA, VT
PartnerOne Environmental
Coverages E&O, Environmental Liab, Pollution, Pollution Liab, Transportation Pollution Liab States All States
Philadelphia Insurance Companies
Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Boiler & Machinery, Business Income, Care/Custody/Control, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Legal Expense Ins, Personal Property, Professional Liab, Protection & Indemnity (P&I), Umbrella, Uninsured Motorists Carrier Status Admitted, Non-admitted States All States except LA, NY
Quirk & Company
Coverages CGL, Contractors Equip, D&O, E&O, Environmental Liab, Equipment, Excess Flood, Excess Liab, Flood, Kidnap/ Ransom, Pollution Liab, Professional Liab, Property Carrier Status Non-admitted States LA, OK, OR, TN, TX, WA
Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Umbrella Carrier Status Non-admitted States All States
The McGowan Companies
Coverages Commercial Excess, Excess Liab, Umbrella States All States
Union General Insurance Services Inc.
Coverages Blanket Addt’l Insureds, Blanket Waivers, Builders Risk, CGL, Commercial Excess, Completed Operations Liab, Contractors Equip, Equipment, Equipment Breakdown, Excess Liab, Pollution, Pollution Liab, Property, Tools & Equip, Umbrella Carrier Status Non-admitted States AZ, CA, NM, NV, OR, TX
US Assure
Coverages Builders Risk, Business Income, COC, Contractors Equip, Earthquake, Fire, Flood, Hail, High Valued Homes, Installation Floaters, Residential Property, Theft, Weather, Wind Carrier Status Admitted States All States
Wholesure
Coverages Excess Liab, GL, Inland Marine, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Wrap Up Insurance Solutions
Coverages GL, Residential `wrap-up` States All States
Contractors-Landscape
Applied Underwriters Inc.
Coverages Pollution Liab, Property, Workers’ Comp States All States
Builders & Tradesmen’s Insurance Services Inc. (BTIS)
Coverages Auto Comm-Nonstandard, Auto Comm-Standard, Builders Risk, CGL, COC, Contractors Equip, Excess Liability, GL, Inland Marine, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except AK, FL, HI, MD, NY, VT
Frank Winston Crum Insurance
Coverages Excess Liab, GL, Workers’ Comp
Carrier Status Admitted States Most States
Gridiron Insurance Underwriters Inc.
Coverages Excess Liab, GL Carrier Status Non-admitted States NJ, NY
Integrated Specialty Coverages (ISC)
Coverages CGL, GL Carrier Status Non-admitted States All States
MiniCo Insurance Agency, a Jencap Company
Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, CGL, GL, Herbicide & Pesticide, Inland Marine, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Omaha National
Coverages Workers’ Comp Carrier Status Admitted States Most States
Oryx Insurance Brokerage Inc.
Coverages Auto Comm-Standard, GL, Umbrella, Workers’ Comp Carrier Status Admitted States CT, DE, MD, NJ, NY, PA, VT
Ryan Specialty National Programs
Coverages Auto Comm-Nonstandard, Crime, GL, Inland Marine, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Shield Commercial Insurance Services
Coverages CPPL, Excess Liab, GL, Inland Marine, Pollution, Professional Liability, Workers’ Comp Carrier Status Non-admitted States Most States
Contractors-Marine
Integrated Specialty Coverages (ISC)
Coverages CGL, GL Carrier Status Non-admitted States All States
JM Wilson
Coverages CGL, GL, Inland Marine, Marina Operators Legal, Property, Protection & Indemnity (P&I), Tools & Equip Carrier Status Admitted, Non-admitted States All States except AK, HI, NY
LIG Marine Managers
Coverages CGL, Contractors Equip, Equipment, Federal LHWCA, Foreign GL, Hull, Int’l Coverage - Commercial, Pollution Liab, Products Liab, Protection & Indemnity (P&I), Ship Repairers Legal, Tools & Equip, Umbrella, USL&H, Wet Marine, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Marine Underwriters of America
Coverages Commercial Marine, Excess Liab, GL, Hull, Inland Marine, Protection & Indemnity (P&I), Real & Business
Personal Prop Carrier Status Admitted States All States
The American Equity Underwriters Inc.
Coverages MEL, USL&H, Workers’ Comp States All States
2025 Annual Program Directory, Summer Edition
Contractors-Oil & Gas
Ashley General Agency
Coverages CGL, Excess Liab, Pollution Liab, Professional Liab Carrier Status Non-admitted States TX
Quirk & Company
Coverages CGL, Contractors Equip, Control of Well, D&O, E&O, Environmental Liab, Equipment, Excess Flood, Excess Liab, Flood, Kidnap/Ransom, Pollution Liab, Professional Liab, Property Carrier Status Non-admitted States LA, OK, OR, TX, WA
Southwest Risk
Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Umbrella Carrier Status Non-admitted States All States
Western Surplus Lines Agency Inc.
Coverages Blanket Addt’l Insureds, Blanket Waivers, Cargo, CGL, Control of Well, Hired & Non-owned Auto, Inland Marine, Medical Payments, Pollution Liab, Professional Liab, Rented Property, Tools & Equip Carrier Status Non-admitted States LA, ND, NM, OK, TX
Contractors-Plumbing
Builders & Tradesmen’s Insurance Services Inc. (BTIS)
Coverages GL, Workers’ Comp
States All States except AK, DC, HI, NY
Gridiron Insurance Underwriters Inc.
Coverages Excess Liab, GL Carrier Status Non-admitted States NJ, NY
Integrated Specialty Coverages (ISC)
Coverages CGL, GL Carrier Status Non-admitted States All States
Integrated Underwriters ®
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative)
Carrier Status Admitted, Non-admitted States Most States
Norman-Spencer Agency LLC
Coverages GL, Inland Marine, Property, Umbrella
Carrier Status Admitted, Non-admitted States All States
Omaha National Coverages Workers’ Comp Carrier Status Admitted States Most States
Oryx Insurance Brokerage Inc.
Coverages Auto Comm-Standard, GL, Umbrella, Workers’ Comp Carrier Admitted States CT, DE, MD, NJ, NY, PA, VT
Carrier Status Admitted States All States except AK, HI
Commercial Sector Ins. Brokers, Part of Monarch E&S
Coverages CGL, Commercial Excess, Completed Operations Liab, E&O, Excess Liab, GL, Liability, Professional Liab, Umbrella Carrier Status Non-admitted States Most States Hull & Company
Coverages Auto Comm-Nonstandard, Auto CommNonstandard Phys Dmg, CGL, Contractors Equip
Carrier Status Non-admitted States All States except DC
Integrated Specialty Coverages (ISC)
Coverages CGL, GL Carrier Status Non-admitted States All States
Integrated Underwriters ®
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative)
Carrier Status Admitted, Non-admitted States Most States
Legacy Employer Concepts LLC
Coverages EPLI, Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted, Non-admitted States All States
MexiPass International Insurance Services LLC
Coverages Int’l Coverage - Commercial, Int’l CoveragePersonal Carrier Status Admitted States All States
NeitClem Wholesale Insurance Brokerage Inc.
Coverages Blanket Addt’l Insureds, Completed Operations Liab, Contractors Equip, Excess Liab, Hired & Non-owned Auto, Liability, Medical Payments, Pollution, Pollution Liab, Professional Liab, Residential `wrap-up`, Tools & Equip, Umbrella Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX
Norman-Spencer Agency LLC
Coverages Auto Comm-Standard, Excess Liab, GL, Tools & Equip Carrier Status Admitted, Non-admitted States All States
Norman-Spencer International Inc.
Coverages E&O, Professional Liab Carrier Status Admitted, Non-admitted States All States
REInsurePro
Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Completed Operations Liab, Excess Liab, Products Liab Carrier Status Non-admitted States All States except CO, LA, NJ, NY
Shield Commercial Insurance Services
Coverages CPPL, Excess Liability, GL, Inland Marine, Pollution, Professional Liability, Workers’ Comp Carrier Status Non-admitted States Most States
Southwest Risk
Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Umbrella Carrier Status Non-admitted States All States
StateFund First, a Div of Arthur J Gallagher & Co.
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) States CA
Contractors-Service
Builders & Tradesmen’s Insurance Services Inc. (BTIS)
Coverages Auto Comm-Nonstandard, Auto Comm-Standard, Builders Risk, CGL, COC, Contractors Equip, Excess Liability, GL, Inland Marine, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except AK, FL, HI, MD, NY, VT
Frank Winston Crum Insurance
Coverages Excess Liab, GL, Workers’ Comp
Carrier Status Admitted States Most States
JC Wilson Consulting Inc.
Coverages Boiler & Machinery, Equipment Breakdown, Product Extended Warranty, Service Contracts, Warranties, Extended Carrier Status Admitted States All States
Oryx Insurance Brokerage Inc.
Coverages Auto Comm-Standard, GL, Umbrella, Workers’ Comp Carrier Status Admitted States CT, DE, IL, MD, NJ, NY, PA, VT, WV
REInsurePro
Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Completed Operations Liab, Excess Liab, Products Liab Carrier Non-admitted States All States except CO, LA, NJ, NY
Ryan Specialty National Programs
Coverages Assault & Battery, Auto Comm-Nonstandard, Care/Custody/Control, Crime, E&O, Excess Liab, GL, Inland Marine, Lost Key, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Shield Commercial Insurance Services
Coverages CPPL, Excess Liab, GL, Inland Marine, Pollution, Professional Liability, Workers’ Comp Carrier Status Non-admitted States Most States
Contractors-Swimming Pools
Frank Winston Crum Insurance
Coverages Excess Liab, GL, Workers’ Comp Carrier Status Admitted States Most States
Integrated Specialty Coverages (ISC)
Coverages CGL, GL Carrier Status Non-admitted States All States
Omaha National Coverages Workers’ Comp Carrier Status Admitted States Most States
Philadelphia Insurance Companies
Coverages Commercial Auto Boiler & Machinery, Business Income, Care/Custody/Control, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Legal Expense Ins, Personal Property, Professional Liab, Protection & Indemnity (P&I), Umbrella, Uninsured Motorists
Carrier Status Admitted States All States except LA
Coverages BOP, Cyber Liab, EPLI, Equipment Breakdown, Liquor Liab Carrier Status Admitted States CA
Covenant Underwriters
Coverages Crime, Cyber Liab, Flood, GL, Pollution, Property Carrier Status Non-admitted States All States except AK, HI
Gorst & Compass Insurance
Coverages Business Income, CGL, Glass, Property, Spoilage Carrier Status Non-admitted States CA
Markel
Coverages Workers’ Comp Carrier Status Admitted States All States
McLeckie Insurance Group
Coverages Business Income, Crime, EPLI, Equipment, Food Borne Illness, Liquor Liability, Property Carrier Status Non-admitted States All States
NEXT Insurance
Coverages BOP, Cyber Liab, EPLI, GL, Liquor Liab, Workers’ Comp Carrier Status Admitted States All States
TAPCO Underwriters Inc.
Coverages GL, Liquor Liab, Products Liab, Property Carrier Status Non-admitted States Most States
UCA General Insurance Services Inc.
Coverages Business Income, CGL, Crime, Cyber Liab, Equipment Breakdown, Fire Legal Liab, Medical Payments, Property, Umbrella Carrier Status Non-admitted States AZ, CA, ID, NV, OR, UT, WA
Wholesure
Coverages BOP, CGL, Liability, Liquor Liab, Workers’ Comp Carrier Status Non-admitted States All States
XPT Specialty
Coverages Business Interruption, CGL, Excess Liab, Fire, Fire Legal Liab, GL, Liability, Liquor Liab, Medical Payments, New Occurrence, Property Carrier Status Admitted, Non-admitted States All States
Cosmetic Manufacturers
Brownyard Group
Coverages Blanket Addt’l Insureds, Blanket Waivers, Business Income, Business Interruption, CGL, Employee Benefits, Fire, Fire Legal Liab, GL, Glass, Hired & Non-owned Auto, Inland Marine, Liability, Personal Property, Products Liab, Professional Liability, Property, Stop-Gap Carrier Status Non-admitted States All States
Cosmetic Insurance Services, a division of EPIC Brokers
Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Boiler & Machinery, Crime, GL, Inland Marine, Products Liab, Property, Umbrella Carrier Status Admitted States All States Professional Program Ins. Brokerage (PPIB), a Div of SPG Coverages Abuse & Molestation, Products Liab, Professional Liab States All States
Counselors/Counseling Centers
Care Providers Insurance Services
Coverages Abuse & Molestation, Accident & Health, Auto Comm-Standard, Crime, D&O, EPLI, Excess Liab, GL, Inland Marine, Professional Liab, Property Carrier Status Admitted States All States
Charity First Insurance Services Inc.
Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, Boiler & Machinery, Business Income, CGL, Crime, Cyber Liab, EPLI, Equipment Breakdown, Inland Marine, Int’l Coverage - Commercial, Liquor Liab, Nonprofit D&O, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States
Negley Associates
Coverages CGL, Professional Liab Carrier Status Non-admitted States All States
Nonprofits Insurance Alliance
Coverages Abuse & Molestation, Auto Comm-Standard, Auto Comm-Standard Phys Dmg, Blanket Addt’l Insureds, Business Income, Business Interruption, CGL, Community/Social Svcs, Crime, Developmental Disabilities, EPLI, Fiduciary Liab, Fire Legal Liab, Hired & Non-owned Auto, Inland Marine, Liquor Liab, Mechanical Breakdown, Misc Professional Liab, Nonprofit D&O, Sexual Misconduct, Umbrella, Uninsured Motorists Carrier Status Non-admitted States Most States
Coverages Abuse & Molestation, Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Identity Theft, Inland Marine, Participant Accident, Physical Damage, Professional Liab, Property, Real & Business Personal Prop, Sexual Misconduct, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA
Venture Insurance Programs
Coverages Auto Comm-Standard, Crime, Cyber Liab, D&O, GL, Inland Marine, Liquor Liab, Medical Malpractice, Professional Liab, Property, Real & Business Personal Prop, Sexual Misconduct, Umbrella States All States
Country Clubs
Markel
Coverages Workers’ Comp States All States
RPS Signature Programs
Coverages Accident & Health, Auto Comm-Standard, Crime, D&O, Earthquake, Employee Benefits, EPLI, Fiduciary Liab, Flood, Herbicide & Pesticide, Inland Marine, Liquor Liab, Pollution Liab, Property, Umbrella, Workers’ Comp States All States
Venture Insurance Programs
Coverages D&O, E&O, EPLI, Excess Liab, GL, Herbicide & Pesticide, Liquor Liab, Pollution, Property, Tee-to-Green, Umbrella, Workers’ Comp Carrier Status Admitted States All States
Couriers
National Indemnity Company
Coverages Auto Comm-Nonstandard, Auto CommNonstandard Phys Dmg, Liability, Medical Payments, Uninsured Motorists Carrier Status Admitted, Non-admitted States All States except HI, MA, NJ, NY
Omaha National
Coverages Workers’ Comp Carrier Status Admitted States Most States
Parcel Insurance Plan
Coverages Cargo, Inland Marine Carrier Status Admitted States All States
Omaha National Coverages Workers’ Comp Carrier Status Admitted States Most States
Dance Schools/Studios
Great American Ins. Group,
Sadler Insurance, Div. of Specialty Program Group
Coverages Abuse & Molestation, CGL, D&O, EPLI, Equipment, Hired & Non-owned Auto, Participant Accident, Personal Property Carrier Status Admitted States All States
Sports & Wellness Insurance
Coverages Abuse & Molestation, Accident & Health, Crime, Cyber Liab, D&O, GL, Hired & Non-owned Auto, Inland Marine, Property, Umbrella Carrier Status Admitted, Nonadmitted States All States
Day Care/Preschools
Gorst & Compass Insurance
Coverages CGL, Property Carrier Status Non-admitted States CA
Markel
Coverages Abuse & Molestation, CGL, Crime, Cyber Liab, Inland Marine, Property, Student Accident, Umbrella, Workers’ Comp Carrier Status Admitted States All States except HI
NEXT Insurance
Coverages BOP, Cyber Liab, EPLI, Excess Liab, GL, Umbrella, Workers’ Comp Carrier Status Admitted States All States
Nonprofits Insurance Alliance
Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, Business Income, Business Interruption, CGL, Community/Social Svcs, Developmental Disabilities, EPLI, Fiduciary Liab, Fire Legal Liab, Hired & Non-owned Auto, Inland Marine, Liquor Liab, Mechanical Breakdown, Misc Professional Liab, Nonprofit D&O, Sexual Misconduct, Umbrella, Uninsured Motorists Carrier Status Non-admitted States Most States
TAPCO Underwriters Inc.
Coverages Abuse & Molestation, Accessories, GL, Professional Liab, Property Carrier Status Non-admitted States Most States
Day Spas
Insurtec Tanning and Spa Insurance
Coverages Addt’l Expense, BOP, Business Income, Business Interruption, CGL, Crime, EPLI, Equipment Breakdown, Fire Legal Liab, Hired & Non-owned Auto, Misc Professional Liab, Professional Liab, Property, Tanning Liability
Carrier Status Non-admitted States All States except MO
Markel
Coverages Workers’ Comp States All States
Professional Program Ins. Brokerage (PPIB), a Div of SPG Coverages Abuse & Molestation, Blanket Addt’l Insureds, CGL, Commercial Excess, Cyber Liab, GL, Inland Marine, Liability, Media Liab, Products Liab, Professional Liab, Property, Sexual Misconduct, Tanning Liab, Teachers Liability Carrier Status Non-admitted States All States
SASSI - Salon & Spa Specialty Insurance
Coverages BOP, Business Income, Business Interruption, CGL, Fire, Fire Legal Liab, GL, Glass, Inland Marine, Liability, Medical Payments, Professional Liab, Property, Theft, Tools & Equip Carrier Status Admitted States All States except AK, HI, VA, WA
Universal Insurance Programs
Coverages Abuse & Molestation, Business Income, Business Interruption, CGL, Crime, E&O, Employee Benefits, EPLI, Equipment Breakdown, Excess Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Liability, Products Liab, Professional Liab, Property, Real & Business Personal Prop, Stop-Gap, Theft, Umbrella Carrier Status Admitted States All States
Venture Insurance Programs
Coverages Auto Comm-Standard, Crime, Cyber Liab, D&O, EPLI, GL, Liquor Liab, Professional Liab, Property, Umbrella Carrier Status Admitted States All States
Dealers-Propane
Amwins - 150+ Locations Worldwide
Coverages Auto Comm-Standard, Crime, Equipment Breakdown, Excess Liab, GL, Inland Marine, Property, Umbrella Carrier Status Admitted, Non-admitted States All States
Delivery- Wholesale/Retail
Amwins - 150+ Locations Worldwide
Coverages All Risks/Cash in Transit, Cargo, Commercial Marine, Wet Marine Carrier Status Admitted States All States Axon Underwriting LLC
Coverages Commercial Marine, Environmental Liab, Pollution, Pollution Liab Carrier Status Admitted States All States
Markel
Coverages Workers’ Comp States All States
Coverages Auto Comm-Standard Liability, Auto Comm-
Phys Dmg, Cargo, CGL, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States
Omaha National
Workers’ Comp Carrier Status Admitted States Most States Parcel Insurance Plan Coverages Cargo, Inland Marine Carrier Status Admitted States All States
Dentists
Berkley Select | a Berkley Company
Coverages E&O, Medical Malpractice Carrier Status Admitted, Non-admitted States All States
Cowbell Cyber
Coverages Breach of Security, Business Income, Business Interruption, Cyber Liab Carrier Status Admitted
States Most States
Integrated Specialty Coverages (ISC)
Coverages Abuse & Molestation, Addt’l Expense, Employee Benefits, GL, Hired & Non-owned Auto, Medical Professional Carrier Status Non-admitted States All States
TDC Specialty Underwriters
Coverages Liability, Medical Malpractice, Professional Liab Carrier Status Admitted, Non-admitted States All States except KS, NM, NY
Developmental Disability Facilities
Care Providers Insurance Services
Coverages Abuse & Molestation, Accident & Health, Auto Comm-Standard, Crime, D&O, EPLI, Excess Liab, GL, Inland Marine, Professional Liab, Property Carrier Status Admitted States All States
Irwin Siegel Agency
Coverages Abuse & Molestation, Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Boiler & Machinery, Business Income, Crime, Cyber Liab, D&O, Developmental Disabilities, Disability, Environmental Liab, EPLI, Excess Liab, Fire Legal Liab, GL, Hired & Nonowned Auto, Inland Marine, Medical & Physical Rehab, Medical Payments, Mental Health Care, Pollution Liab, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States
Negley Associates
Coverages CGL, Professional Liab Carrier Status Non-admitted States All States
Nonprofits Insurance Alliance
Coverages Abuse & Molestation, Auto Comm-Standard, Auto Comm-Standard Phys Dmg, Blanket Addt’l Insureds, Business Income, Business Interruption, CGL, Community/ Social Svcs, Crime, Developmental Disabilities, Fiduciary Liab, Fire Legal Liab, Hired & Non-owned Auto, Inland Marine, Liquor Liab, Mechanical Breakdown, Misc Professional Liab, Nonprofit D&O, Sexual Misconduct, Umbrella, Uninsured Motorists Carrier Status Non-admitted States Most States
Philadelphia Insurance Companies
Coverages Abuse & Molestation, Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Participant Accident, Professional Liab, Property, Real & Business Personal Prop, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA
RPS Signature Programs
Coverages Abuse & Molestation, Auto Comm-Standard, CGL, Cyber Liab, Employee Benefits, EPLI, Excess Liab, Hired & Non-owned Auto, Nonprofit D&O, Professional Liab, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Dialysis Centers
Integrated Specialty Coverages (ISC)
Coverages Abuse & Molestation, Addt’l Expense, Employee Benefits, GL, Hired & Non-owned Auto, Medical Professional Carrier Status Non-admitted States All States
Pro-Praxis Insurance
Coverages E&O, Professional Liab Carrier Status Admitted States All States
2025 Annual Program Directory, Summer Edition
Distributors
Amwins - 150+ Locations Worldwide
Coverages GL, Legal Liab, Motor Truck Cargo, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Axon Underwriting LLC
Coverages All Risks/Cash in Transit, Commercial Marine, Environmental Liab, Pollution, Pollution Liab Carrier Status Admitted States All States
Brownyard Group
Coverages Blanket Addt’l Insureds, Blanket Waivers, Business Income, Business Interruption, CGL, Employee Benefits, Fire, Fire Legal Liab, GL, Glass, Hired & Non-owned Auto, Inland Marine, Liability, Personal Property, Products Liab, Professional Liab, Property, Stop-Gap Carrier Status Non-admitted States All States
Cosmetic Insurance Services, a division of EPIC Brokers Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Boiler & Machinery, Crime, GL, Inland Marine, Products Liab, Property, Umbrella Carrier Status Admitted States All States
Joseph Chiarello & Co. ; Firearms Business Insurance Coverages CGL, Equipment Breakdown, Firearms Liability, Inland Marine, Property, Umbrella Carrier Status Admitted States All States
MexiPass International Insurance Services LLC
Coverages Int’l Coverage - Commercial, Int’l CoveragePersonal Carrier Status Admitted States All States
PEO Brokers Group
Coverages WC - Master Policies/ASO, Workers’ Comp, Workers’ Comp Plus (Alternative) States All States
Professional Program Ins. Brokerage (PPIB), a Div of SPG Coverages Abuse & Molestation, Blanket Addt’l Insureds, CGL, Commercial Excess, Cyber Liab, Inland Marine, Misc Professional Liab, Products Liab, Property Carrier Status Non-admitted States All States
Winery Pak Insurance Programs
Coverages Auto Comm-Standard, Excess Liab, Liability, Liquor Liab, Property Carrier Status Admitted States All States except FL, LA, MS, OK
Driving Ranges
McGowan Allied Specialty Insurance
Coverages Auto Comm-Standard, CGL, Crime, Equipment Breakdown, Excess Liab, Hired & Non-owned Auto, Inland Marine, Property, Workers’ Comp Carrier Status Admitted States All States
Dry Cleaners/Laundries
Ironwood Brokers & Insurance Marketing
Coverages GL, Liability Carrier Status Admitted States Most States
UCA General Insurance Services Inc.
Coverages Bailee/Customer Goods, Business Income, Business Interruption, CGL, Crime, Cyber Liab, Equipment Breakdown, Liability, Mechanical Breakdown, Property, Theft, Umbrella Carrier Status Non-admitted States AZ, CA, ID, NV, OR, UT
Virtue Risk Partners LLC
Coverages Environmental Liab, Pollution Liab Carrier Status Non-admitted States All States
Dude Ranches
McGowan Allied Specialty Insurance
Coverages Auto Comm-Standard, CGL, Crime, Equipment Breakdown, Excess Liab, Hired & Non-owned Auto, Inland Marine, Property, Workers’ Comp Carrier Status Admitted States All States
Philadelphia Insurance Companies
Coverages Commercial Auto, Boiler & Machinery, Business Income, Care/Custody/Control, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Participant Accident, Personal Property, Professional Liab, Umbrella, Uninsured Motorists Carrier Admitted States All except LA
E-cigarette Manufacturers/Distributors
Professional Program Ins. Brokerage (PPIB), a Div of SPG Coverages Abuse & Molestation, GL, Inland Marine, Products Liab, Property Carrier Status Non-admitted
Employee Leasing Firms
RPS Technology & Cyber
Coverages BOP, Breach of Security, Business Income, Business Interruption, CGL, Combo Personal & Commercial, Completed Operations Liab, Crime, Cyber Liab, D&O, E&O, Employee Benefits, EPLI, Excess Liab, Fidelity, Fidelity Bonds, Fiduciary Liab, Hired & Non-owned Auto, Liability, Media Liab, Products Liab, Professional Liab, Property, Technology E&O, Umbrella Carrier Status Admitted States All States except DC
Ryan Specialty National Programs
Coverages Abuse & Molestation, Blanket Addt’l Insureds, Blanket Waivers, Care/Custody/Control, Crime, Employee Benefits, EPLI, Excess Liab, GL, Hired & Non-owned Auto, Professional Liab, Property, Stop-Gap, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Staffing Lines
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States
World Wide Specialty, a Div of Philadelphia Ins. Co’s Coverages Abusive Acts, Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, Care/Custody/Control, Crime, Cyber Liab, D&O, E&O, Employee Benefits, EPLI, Fidelity, Fidelity Bonds, GL, Hired & Non-owned Auto, Misc Professional Liab, Professional Liab, Property, Technology E&O, Umbrella, Workers’ Comp Carrier Status Admitted States All States
Employment Agencies
Philadelphia Insurance Companies
Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Boiler & Machinery, Business Income, Care/Custody/Control, CGL, Crime, D&O, Employee Benefits, EPLI, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Legal Expense Ins, Personal Property, Professional Liab, Protection & Indemnity (P&I), Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA
Professional Underwriters Agency (PUA)
Coverages E&O, Professional Liab Carrier Status Admitted, Non-admitted States All States
RPS Technology & Cyber
Coverages BOP, Breach of Security, Business Income, Business Interruption, CGL, Combo Personal & Commercial, Completed Operations Liab, Crime, Cyber Liab, D&O, E&O, Employee Benefits, EPLI, Excess Liab, Fidelity, Fidelity Bonds, Fiduciary Liab, Hired & Non-owned Auto, Liability, Media Liab, Products Liab, Professional Liab, Property, Technology E&O, Umbrella Carrier Status Admitted States All States except DC
Ryan Specialty National Programs
Coverages Abuse & Molestation, Blanket Addt’l Insureds, Blanket Waivers, Care/Custody/Control, Crime, Employee Benefits, EPLI, Excess Liab, GL, Hired & Non-owned Auto, Professional Liab, Property, Stop-Gap, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Staffing Lines
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States
World Wide Specialty, a Div of Philadelphia Ins. Co’s Coverages Abusive Acts, Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, Care/Custody/Control, Crime, Cyber Liab, D&O, E&O, Employee Benefits, EPLI, Fidelity, Fidelity Bonds, GL, Hired & Non-owned Auto, Misc Professional Liab, Professional Liab, Property, Technology E&O, Umbrella, Workers’ Comp Carrier Status Admitted States All States
Engineers-Environmental
Access E&S Insurance Services
Coverages Excess Liab, Liability, Pollution Liab, Professional Liab Carrier Status Non-admitted States AR, DC, DE, GA, IL, MD, NC, NJ, NY, OH, PA, SC, TN, TX, VA
Beacon Hill Associates
Coverages CGL, E&O, Environmental Liab, Pollution, Pollution Liab, Transportation Pollution Liab, Workers’ Comp States All States
Commercial Sector Ins. Brokers, Part of Monarch E&S
Coverages CGL, E&O, Excess Liab, Misc Professional Liab, Pollution, Pollution Liab, Professional Liab, Umbrella
Carrier Status Non-admitted States All States except AK, HI
2025 Annual Program Directory, Summer Edition
E&O, Professional Liab
Admitted, Non-admitted States All States
Risk Partners LLC Coverages Auto Comm-Standard, CGL, Commercial Excess, E&O, Environmental Liab, Workers’ Comp Carrier Status Non-admitted States All States
Engineers-Geotechnical
Freberg Environmental Inc.
Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, E&O, Environmental Liab, EPLI, GL, Hired & Nonowned Auto, Pollution, Pollution Liab, Professional Liab, Transportation Pollution Liab Carrier Status Non-admitted States All States
Jencap Specialty Insurance Services (Environmental) Coverages Pollution, Pollution Liab Carrier Status Non-admitted States All States
Tokio Marine HCC
Coverages E&O, Professional Liab Carrier Status Admitted, Non-admitted States All States
Victor Insurance Managers LLC
Coverages Cyber Liab, E&O States All States
Entertainer Buses
5Star Specialty Programs
Coverages Auto Comm-Nonstandard, Auto CommNonstandard Liability, Auto Comm-Nonstandard Phys Dmg, Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Excess Liab, GL, Workers’ Comp Carrier Status Admitted States All States
National Indemnity Company
Coverages Auto Comm-Nonstandard, Auto CommNonstandard Phys Dmg, Liability, Medical Payments, Uninsured Motorists Carrier Status Admitted, Non-admitted States All States except HI, MA, NJ, NY
Entertainment Equipment Rental Houses
Alive Risk
Coverages Accident & Health, Accidental Death, CGL, Contingent Coverages, Event Cancellation, Excess Liab, Hired & Non-owned Auto, Inland Marine, Liquor Liab, Workers’ Comp States All States
Environmental Engineers/Consultants/ Contractors
Access E&S Insurance Services
Coverages Excess Liab, Liability, Pollution Liab, Professional Liab Carrier Status Non-admitted States AR, DC, DE, GA, IL, MD, NC, NJ, NY, OH, PA, SC, TN, TX, VA
Axon Underwriting LLC
Coverages Environmental Liab, Pollution Carrier Status Non-admitted States All States
Beacon Hill Associates
Coverages CGL, E&O, Environmental Liab, Pollution, Pollution Liab, Transportation Pollution Liab, Workers’ Comp States All States
Freberg Environmental Inc.
Coverages Blanket Addt’l Insureds, CGL, Commercial Excess, E&O, EPLI, GL, Hired & Non-owned Auto, Pollution, Pollution Liab, Professional Liab, Transportation Pollution Liab, Umbrella Carrier Status Non-admitted States All States
Coverages Auto Comm-Standard, GL, Pollution, Pollution Liab, Workers’ Comp Carrier Status Non-admitted States All States
JM Wilson
Coverages Business Income, Cyber Liab, EPLI, Excess Liab, GL, Hired & Non-owned Auto, Inland Marine, Pollution Liab, Professional Liab, Property, Umbrella Carrier Admitted, Non-admitted States All except AK, HI, NY
Norman-Spencer International Inc.
Coverages E&O, Professional Liab Carrier Status Admitted States All States except AK, HI
PartnerOne Environmental
Coverages CGL, E&O, Pollution Carrier Status Non-admitted States All States
Philadelphia Insurance Companies
Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Business Income, Business Interruption, CGL, D&O, Equipment Breakdown, Fiduciary Liab, GL, Hired & Non-owned Auto, Inland Marine, Non-Trucking Auto Liab, Professional Liab, Property, Umbrella Carrier Status Admitted States All States except LA
Roush Insurance Services Inc.
Coverages Auto Comm-Nonstandard, Blanket Addt’l Insureds, Blanket Waivers, CGL, Commercial Excess, Completed Operations Liab, Contractors Equip, E&O, Environmental Liab, Excess Liab, Fidelity Bonds, GL, Hired & Non-owned Auto, Inland Marine, Liability, Motor Truck Cargo, Pollution, Professional Liab, Property, Real & Business Personal Prop, Service Contracts, Umbrella, Workers’ Comp
Carrier Status Non-admitted States IA, IL, IN, OH, WI
Target Professional Programs
Coverages E&O, EPLI, Professional Liability
Carrier Status Non-admitted States All States except AK, HI
Tokio Marine HCC
Coverages E&O, Professional Liab Carrier Status Admitted, Non-admitted States All States
Great American Ins. Group, Specialty Human Services
Coverages Commercial Auto, Boiler & Machinery, Business Income, CGL, Commercial Excess, Completed Operations Liab, Crime, Educator Legal Liab, Equipment Breakdown, Excess Liab, Fidelity, Fine Arts, Fire Legal Liab, GL, Historic Bldgs/Unique Property, Inland Marine, Liability, Liquor Liab, Medical Payments, Property, Real & Business Personal Prop, Sexual Misconduct, Umbrella Carrier Status Admitted States All States except HI, LA, OK
NeitClem Wholesale Insurance Brokerage Inc.
Coverages GL, Property Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX
Philadelphia Insurance Companies
Coverages Abuse & Molestation, Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Nonowned Auto, Identity Theft, Inland Marine, Liquor Liab, NonTrucking Auto Liab, Participant Accident, Professional Liab, Property, Real & Business Personal Prop, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA
Roush Insurance Services Inc.
Coverages Assault & Battery, Boiler & Machinery, Business Income, Business Interruption, CGL, Commercial Excess, Crime, D&O, EPLI, Equipment, Excess Liab, Fire, GL, Inland Marine, Liability, Misc Professional Liab, Pool & Spa Liab, Property, Real & Business Personal Prop, Sexual Misconduct, Tanning Liab, Theft Carrier Status Non-admitted States IA, IL, IN, OH, WI
RPS Signature Programs
Coverages Liability, Property Carrier Status Admitted States All States
Sadler Insurance, Div. of Specialty Program Group
Coverages CGL, Crime, Equipment, Hired & Non-owned Auto, Inland Marine, Participant Accident, Property Carrier Status Admitted States All States
Sovereign Group Int’l Inc.
Coverages Bailee/Customer Goods, Business Income, Business Interruption, CGL, Commercial Excess, Fire, GL, Inland Marine, Liability, Pool & Spa Liab, Professional Liab, Property, Tanning Liab, Umbrella Carrier Non-admitted States MA, NJ, NY
Sports & Wellness Insurance
Coverages Abuse & Molestation, Accident & Health, Crime, Cyber Liab, D&O, GL, Hired & Non-owned Auto, Inland Marine, Property, Umbrella Carrier Status Admitted, Non-admitted States All States
Venture Insurance Programs
Coverages Auto Comm-Standard, Crime, Cyber Liab, D&O, EPLI, GL, Liquor Liab, Professional Liab, Property, Umbrella Carrier Status Admitted States All States
Exclusive Underwriting Managers
Coverages Crime, Excess Liab, Hired & Non-owned Auto, Inland Marine, Liquor Liab, Property States All States
McGowan Allied Specialty Insurance
Coverages Auto Comm-Standard, CGL, Crime, Equipment Breakdown, Excess Liab, Hired & Non-owned Auto, Inland Marine, Property, Workers’ Comp Carrier Status Admitted States All States
NeitClem Wholesale Insurance Brokerage Inc.
Coverages GL, Property Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX
The McGowan Companies
Coverages Auto Comm-Standard, Excess Liab, GL, Inland Marine, Participant Accident, Pollution, Prize Indemnification, Property, Workers’ Comp Carrier Status Admitted States All States
Farm & Ranch
Agricultural Insurance Mgmt Services
Coverages Auto Comm-Standard, Care/Custody/Control, CGL, Commercial Excess, Equipment Breakdown, Excess Liab, Horse Mortality, Property, Umbrella Carrier Status Admitted States Most States
Equine Insurance Specialists LLC
Coverages Auto Comm-Standard, Horse Mortality, Liability, Property, Umbrella Carrier Status Admitted States All States except AK, FL, HI
Markel
Coverages Auto Comm-Standard, Care/Custody/Control, GL, Inland Marine, Property, Umbrella Carrier Status Admitted States All States except AK, HI
Monarch E&S Insurance Services
Coverages GL, Property Carrier Status Non-admitted States All States
Philadelphia Insurance Companies
Coverages Abuse & Molestation, GL, Professional Liab, Property, Umbrella Carrier Status Admitted States All States except LA
South & Western General Agency Inc.
Coverages Auto Comm-Standard, Excess Liab, GL, Inland Marine, Property Carrier Status Admitted States AR, MS, NM, OK, TN, TX
Winery Pak Insurance Programs
Coverages Combo Personal & Commercial, Herbicide & Pesticide, Liability, Pollution Liab, Property Carrier Status Admitted States All States
XPT Specialty
Coverages CGL, Combo Personal & Commercial, Dwelling Fire, Equipment, Inland Marine, Livestock/Animal Mortality, Property Carrier Status Admitted, Non-admitted States All States
Farm Labor Contractors
XPT Specialty
Coverages Excess Liab, GL, Herbicide & Pesticide, Inland Marine, Professional Liab Carrier Status Non-admitted States All States
Fast Food Restaurants
Business Alliance Insurance Company
Coverages BOP, Cyber Liab, EPLI, Equipment Breakdown, Liquor Liab Carrier Status Admitted States CA
Omaha National
Coverages Workers’ Comp Carrier Status Admitted States Most States
PEO Brokers Group
Coverages WC - Master Policies/ASO, Workers’ Comp, Workers’ Comp Plus (Alternative) States All States
The McGowan Companies
Coverages Commercial Excess, Umbrella Carrier Status Admitted States All States
UCA General Insurance Services Inc.
All
Coverages Business Income, CGL, Cyber Liab, Equipment Breakdown, Fire Legal Liability, Hired & Non-owned Auto, Medical Payments, Property, Umbrella Carrier Non-admitted States AZ, CA,
Festivals & Fairs
Alive Risk
Coverages Accident & Health, CGL,
&
Coverages Auto Comm-Standard, CGL, Crime, Employee
Coverages CGL, Event Cancellation, Weather Carrier Status Non-admitted States All States
Integrated Specialty Coverages (ISC)
Coverages Assault & Battery, Equipment Breakdown, GL, Liquor Liab, Property Carrier Status Non-admitted States All States
K&K Insurance Group Inc.
Coverages Auto Comm-Standard, CGL, Crime, EPLI, Event Cancellation, Inland Marine, Liquor Liab, Property, Workers’ Comp Carrier Status Admitted States All States except FL
McGowan Allied Specialty Insurance
Coverages Auto Comm-Standard, CGL, Crime, Equipment Breakdown, Excess Liab, Hired & Non-owned Auto, Inland Marine, Property, Workers’ Comp Carrier Status Admitted States All States
Philadelphia Insurance Companies
Coverages Abuse & Molestation, Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys
Dmg, Blanket Addt’l Insureds, Boiler & Machinery, Business Income, Business Interruption, CGL, Commercial Excess, Crime, D&O, EPLI, Equipment Breakdown, Inland Marine, Participant Accident, Umbrella Carrier Status Admitted States All States except LA
Financial Institutions
Axon Underwriting LLC
Coverages Cyber Liab, D&O, E&O, EPLI, Fiduciary Liab Carrier Status Non-admitted States All States
Johnson & Johnson
Coverages Crime, Cyber Liab, E&O, EPLI, Fidelity Bonds, Kidnap/Ransom, Professional Liab Carrier Status Non-admitted States All States
Markel
Coverages Auto Comm-Standard, Excess Liab, GL, Property, Workers’ Comp States All States except HI, LA
Proctor Loan Protector
Coverages Blanket Forced Placed, E&O, Excess Flood, Flood, Force Place Fire Cvrg, Foreclosed Properties, High Valued Homes, Mobile Home Ins, Mortgage Impairment, Mortgage REO Cvrg, Rented Property, Residential Property Carrier Status Non-admitted States All States
ProSurance Group, a Div of One80 Intermediaries
Coverages Crime, E&O, Excess Liab, Fidelity, Fidelity Bonds, Professional Liab Carrier Status Admitted, Non-admitted States All States
Ryan Specialty National Programs
Coverages Collateral Protection, Force Place Fire Cvrg, GL, Mortgage Impairment, Mortgage REO Cvrg, Property, Vacant Building Carrier Status Non-admitted States All States
Unitas Financial Services
Coverages Blanket Forced Placed, Collateral Protection, Flood, Force Place Fire Cvrg, Mortgage Impairment, Mortgage REO Cvrg Carrier Status Admitted, Non-admitted States All States except AK, HI
Wilkoff Bonds
Coverages Crime, Fidelity, Fidelity Bonds, Fiduciary Liab Carrier Status Admitted States All States
Financial Planners
Markel
Coverages Auto Comm-Standard, E&O, Excess Liab, GL, Property Carrier Status Admitted, Non-admitted States All States except DC
ProSurance Group, a Div of One80 Intermediaries
Coverages Crime, E&O, Fidelity, Fidelity Bonds, Insurance Broker Bonds, Professional Liab Carrier Status Admitted, Non-admitted States All States
Fine Art Collections
Applied Underwriters Inc.
Coverages Combo Personal & Commercial, Fine Arts, Int’l
Coverage - Commercial, Int’l Coverage - Personal, Physical Damage, Theft Carrier Status Admitted States All States
Integrated Specialty Coverages (ISC)
Coverages Fine Arts, Personal Liab, Personal Property Carrier Status Non-admitted States All States
MiniCo Insurance Agency, a Jencap Company
Coverages Fine Arts, Fire, Mysterious Disappearance, Personal Property, Physical Damage, Theft Carrier Status Admitted States All States
2025 Annual Program Directory, Summer Edition
Monarch E&S Insurance Services
Coverages Earthquake, Excess Flood, Fire, Inland Marine, Mysterious Disappearance Carrier Status Admitted, Non-admitted States All States
Firearms Dealers
Joseph Chiarello & Co., Inc.; Firearms Business Ins.
Coverages CGL, Crime, Equipment Breakdown, Firearms Liability, Liquor Liab, Medical Payments, Products Liab, Property, Umbrella Carrier Status Admitted States All States
Food Trucks
Markel
Coverages Workers’ Comp States All States
Food Vendors
Great American Insurance Group, Alternative Markets
Coverages Auto Comm-Standard, BOP, CGL, Inland Marine, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Ironwood Brokers & Insurance Marketing
Coverages GL, Liability Carrier Status Admitted States Most States
Forestry Services
Arrowhead General Insurance Agency Inc.
Coverages Earthquake, Equipment, Equipment Breakdown, Flood Carrier Status Admitted States Most States
Balance Partners - Maven
Coverages CGL, E&O, Excess Liab, Professional Liab
Carrier Status Non-admitted States All States
Continental Underwriters
Coverages Builders Risk, Business Income, Business Interruption, Combo Personal & Commercial, Commercial Excess, Crime, Equipment Breakdown, GL, Inland Marine, Int’l Coverage - Commercial, Int’l Coverage - Personal, Property, Umbrella, Wind, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Keith D. Peterson & Company Inc
Coverages Auto Comm-Standard, Boiler & Machinery, Builders Risk, CGL, Crime, D&O, EPLI, Equipment Breakdown, Inland Marine, Motor Truck Cargo, Property, Umbrella, Workers' Comp Carrier Admitted, Non-admitted States All States
Victor Insurance Managers LLC
Coverages Auto Comm-Standard, Cargo, Cyber Liab, Excess Liab, GL, Inland Marine, Property Carrier Status Admitted States All States except CA, LA, MI, NY
Foster Care
Negley Associates
Coverages CGL, Professional Liab
Carrier Status Non-admitted States All States
RPS Signature Programs
Coverages Auto Comm-Standard, Excess Liab, GL, Property Carrier Status Admitted, Non-admitted States All States
Carrier Status Admitted, Non-admitted States All States
Great American Ins. Group, Specialty Human Services
Coverages Abuse & Molestation, Auto Comm-Nonstandard, Blanket Addt’l Insureds, Business Income, CGL, Commercial Excess, Community/Social Svcs, Crime, Educator Legal Liab, Employee Benefits, Equipment Breakdown, Fire Legal Liab, GL, Hired & Non-owned Auto, Inland Marine, Misc Professional Liab, Professional Liab, Umbrella Carrier Status Admitted States All States except HI, LA, OK
Nonprofits Insurance Alliance
Coverages Abuse & Molestation, Commercial Auto, Blanket Addt’l Insureds, Business Income, Business Interruption, CGL, Community/Social Svcs, Crime, Developmental Disabilities, EPLI, Fiduciary Liab, Fire Legal Liab, Hired & Non-owned Auto, Inland Marine, Liquor Liab, Mechanical Breakdown, Misc Professional Liab, Nonprofit D&O, Sexual Misconduct, Umbrella, Uninsured Motorists
Carrier Status Non-admitted States Most States
Philadelphia Insurance Companies
Coverages Abuse & Molestation, Commercial Auto, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Nonowned Auto, Identity Theft, Inland Marine, Physical Damage, Professional Liab, Property, Real & Business Personal Prop, Sexual Misconduct, Umbrella, Uninsured Motorists
Carrier Status Admitted States All States except LA
Fraternal Organizations
Charity First Insurance Services Inc.
Coverages Abuse & Molestation, Auto Comm-Standard, Business Income, CGL, Crime, Cyber Liab, Inland Marine, Liquor Liab, Property, Workers’ Comp Carrier Status Admitted States All States
Gateway Specialty Insurance
Coverages Abuse & Molestation, Crime, E&O, EPLI, GL, Liquor Liab, Nonprofit D&O, Property Carrier Status Non-admitted States All States except AK, LA, WV
K&K Insurance Group Inc.
Coverages Auto Comm-Standard, CGL, Crime, EPLI, Inland Marine, Property, Workers’ Comp Carrier Status Admitted States All States
Funeral Directors
Balance Partners - Maven
Coverages CGL, E&O, Excess Liab, Professional Liab Carrier Status Non-admitted States All States
Markel
Coverages E&O, Workers’ Comp Carrier Status Admitted States All States
Garages
Anderson & Murison Inc.
Coverages Excess Liab, Garage Liability, GL, Inland Marine, Property Carrier Status Admitted, Non-admitted States All States
JM Wilson
Coverages Business Income, Crime, Cyber Liab, Dealers Open Lot, EPLI, Equipment Breakdown, Excess Liab, Flood, Garage Keepers Legal Liab, Garage Liability, GL, Hired & Nonowned Auto, Inland Marine, Physical Damage, Pollution Liab, Products Liab, Property, Umbrella, Workers’ Comp Carrier Non-admitted States All States except AK, DE, HI, NY
KBK Insurance Group Inc.
Coverages Dealers Open Lot, Garage Keepers Legal Liab, GL, On-Hook Cargo, Property, Umbrella Carrier Status Admitted States All States except AK, HI, MA, NY
Lancer Insurance Company
Coverages Garage Keepers Legal Liab, Garage Liability, GKLL Carrier Status Admitted, Non-admitted States NY
National Indemnity Company
Coverages Dealers Open Lot, Garage Keepers Legal Liab, Garage Liability, GKLL, Medical Payments, Uninsured Motorists Carrier Status Admitted, Non-admitted States All States except HI, MA, NJ, NY
Sun Coast General Insurance Agency
Coverages CGL, Dealers Open Lot, Garage Keepers Legal Liab, Garage Liability, GKLL, GL, Hired & Non-owned Auto, Property Carrier Status Admitted, Non-admitted States AZ, CA
Union General Insurance Services Inc.
Coverages CGL, E&O, Garage Keepers Legal Liab, Garage Liability, GKLL, GL, Products Liab, Professional Liab, Property, Uninsured Motorists Carrier Status Non-admitted States AZ, CA, NM, NV, OR, TX
Walter General Agency (WGA)
Coverages Dealers Open Lot, Excess Liab, Garage Keepers Legal Liab, Garage Liability, GKLL, Inland Marine, Medical Payments, Property, Theft, Tools & Equip, Truck Auto Liab, Umbrella, Uninsured Boaters, Uninsured Motorists Carrier Status Non-admitted States AR, IL, MO, OK
Gentleman’s Clubs
Abuse & Molestation, Accident & Sickness,
Treatment, Assault & Battery, Business Income, CGL,
2025 Annual Program Directory, Summer Edition
Great American Insurance Group, Alternative Markets
Coverages Auto Comm-Standard, BOP, CGL, Inland Marine, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Markel
Coverages Workers’ Comp States All States
Signature Specialty, LP
Coverages Business Interruption, GL, Inland Marine, Liquor Liab, Property, Tee-to-Green Carrier Status Non-admitted States All States
Venture Insurance Programs
Coverages D&O, E&O, EPLI, Excess Liab, GL, Herbicide & Pesticide, Liquor Liab, Pollution, Property, Tee-to-Green, Umbrella, Workers’ Comp Carrier Status Admitted States All States
Virtue Risk Partners LLC
Coverages Environmental Liab, Pollution Liab Carrier Status Non-admitted States All States
Grocery Stores/Supermarkets
Business Alliance Insurance Company
Coverages BOP, Cyber Liab, EPLI, Equipment Breakdown, Liquor Liab Carrier Status Admitted States CA
Great American Insurance Group, Alternative Markets
Coverages Auto Comm-Standard, BOP, CGL, Inland Marine, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Ironwood Brokers & Insurance Marketing
Coverages GL, Liability Carrier Status Admitted States Most States
Markel
Coverages Workers’ Comp Carrier Status Admitted States All States
Omaha National
Coverages Workers’ Comp Carrier Status Admitted States Most States
UCA General Insurance Services Inc.
Coverages Business Income, CGL, Cyber Liab, Fire Legal Liab, Medical Payments, Property, Umbrella Carrier Non-admitted States AZ, CA, ID, NV, OR, UT, WA
Group Homes
Care Providers Insurance Services
Coverages Abuse & Molestation, Accident & Health, Auto Comm-Standard, Crime, D&O, EPLI, Excess Liab, GL, Inland Marine, Professional Liab, Property Carrier Status Admitted States All States
Charity First Insurance Services Inc.
Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, Business Income, CGL, Crime, Cyber Liab, EPLI, Equipment Breakdown, Inland Marine, Liquor Liab, Nonprofit D&O, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States
Negley Associates
Coverages CGL, Professional Liab Carrier Status Non-admitted States All States
RPS Healthcare
Coverages D&O, EPLI, Excess Liab, GL, Professional Liab, Property Carrier Status Admitted, Non-admitted States All States
Guides & Outfitters
Exclusive Underwriting Managers
Coverages Crime, Excess Liab, Hired & Non-owned Auto, Inland Marine, Liquor Liab, Property States All States
Joseph Chiarello & Co. ; Firearms Business Insurance
Coverages GL, Property, Umbrella Carrier Status Admitted States All States
K&K Insurance Group Inc.
Coverages CGL, Crime, Excess Liab, Inland Marine, Property Carrier Status Admitted States All States
McGowan Allied Specialty Insurance
Coverages Auto Comm-Standard, CGL, Crime, Equipment Breakdown, Excess Liab, Hired & Non-owned Auto, Inland Marine, Property, Workers’ Comp Carrier Status Admitted States All States
Philadelphia Insurance Companies
Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, Employee Benefits, Equipment Breakdown, Fire Legal Liab, GL, Hired & Non-owned Auto, Inland Marine, Participant Accident, Professional Liab, Property, Real & Business Personal Prop, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA
Gymnastics Facilities / Gyms
Exclusive Underwriting Managers
Coverages Crime, Excess Liab, Hired & Non-owned Auto, Inland Marine, Liquor Liab, Property States All States
Sadler Insurance, Div. of Specialty Program Group
Coverages Abuse & Molestation, CGL, D&O, EPLI, Equipment, Excess Liab, Hired & Non-owned Auto, Inland Marine, Participant Accident, Personal Property, Property Carrier Status Admitted States All States
Sports & Wellness Insurance
Coverages Abuse & Molestation, Accident & Health, Crime, Cyber Liab, D&O, GL, Hired & Non-owned Auto, Inland Marine, Property, Umbrella Carrier Status Admitted, Non-admitted States All States
Hazardous Materials Transporters
Access E&S Insurance Services
Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Excess Liability, Liability, Pollution Liability, Professional Liability
Carrier Status Non-admitted States AR, DC, DE, GA, IL, MD, NC, NJ, NY, OH, PA, SC, TN, TX, VA
Coverages CGL, E&O, Environmental Liab, Pollution, Pollution Liab, Transportation Pollution Liab, Workers’ Comp States All States
Freberg Environmental Inc.
Coverages Auto Comm-Nonstandard, Auto CommNonstandard Phys Dmg, CGL, Environmental Liab, GL, Hired & Non-owned Auto, Long Haul, Physical Damage, Pollution, Pollution Liability, Transportation Pollution Liability, Uninsured Motorists Carrier Status Admitted States All States except FL, HI, LA, MA, MS, NY
JM Wilson
Coverages Cargo, Excess Liab, GL, Hired & Non-owned Auto, Inland Marine, Physical Damage, Pollution Liab, Umbrella Carrier Status Admitted, Non-admitted States AR, AZ, CO, FL, GA, IA, IL, IN, KS, KY, MI, MO, NC, NE, NM, OH, OK, PA, SC, TN, UT, VA, WI, WV, WY
Target Managers Insurance Services
Coverages Auto Comm-Standard, CGL, Environmental Liab, Excess Liab, Pollution Liab, Property, Truck Auto Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Health Clubs
American Specialty Insurance & Risk Services Inc.
Coverages Auto Comm-Standard, CGL, Crime, Employee Benefits, Excess Liab, Liquor Liab, Property, Workers’ Comp Carrier Status Admitted States All States
K&K Insurance Group Inc.
Coverages Business Income, Crime, GL, Inland Marine, Liquor Liab, Property, Tanning Liab, Workers’ Comp Carrier Status Admitted States All States
Philadelphia Insurance Companies
Coverages Abuse & Molestation, GL, Professional Liab, Property, Umbrella Carrier Status Admitted States All States except LA
RPS Signature Programs
Coverages Liability, Property Carrier Status Admitted States All States
Sports & Wellness Insurance
Coverages Abuse & Molestation, Accident & Health, Crime, Cyber Liab, D&O, GL, Hired & Non-owned Auto, Inland Marine, Property, Umbrella Carrier Status Admitted, Non-admitted States All States
Venture Insurance Programs
Coverages Auto Comm-Standard, Crime, Cyber Liab, D&O, EPLI, GL, Liquor Liab, Professional Liab, Property, Umbrella Carrier Status Admitted States All States
Healthcare Facilities
AllComp Solutions
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States
Amalgamated Insurance Underwriters
Coverages Assault & Battery, Crime, Earthquake, Equipment Breakdown, Flood, Property Carrier Status Non-admitted States All States except CO, FL, HI, LA, NY, TX
Carrier Status Admitted, Non-admitted States All States
Care Providers Insurance Services
Coverages Abuse & Molestation, Accident & Health, Auto Comm-Standard, Business Interruption, Crime, D&O, EPLI, Excess Liab, GL, Inland Marine, Professional Liab, Property Carrier Status Admitted States All States
CRC Insurance Services
Coverages Excess Liability, GL, Professional Liability, Property, Umbrella Carrier Status Non-admitted States All States except AR, MS, NC, OR, WA
Irwin Siegel Agency
Coverages Abuse & Molestation, Accident & Health, Commercial Auto, CGL, Crime, Cyber Liab, D&O, EPLI, Excess Liab, GL, Inland Marine, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States
Logic Underwriters, a PCF Company
Coverages GL, Professional Liab Carrier Status Non-admitted States TX
Oryx Insurance Brokerage Inc.
Coverages Auto Comm-Standard, GL, Umbrella, Workers’ Comp Carrier Admitted, Non-admitted States All States
PEO Brokers Group
Coverages WC - Master Policies/ASO, Workers’ Comp, Workers’ Comp Plus (Alternative) States All States
Philadelphia Insurance Companies
Coverages Abuse & Molestation, Commercial Auto, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, Cyber Liab, D&O, Hired & Non-owned Auto, Inland Marine, Medical Malpractice, Professional Liab, Property, Umbrella Carrier Admitted States All States except LA
Pro-Praxis Insurance
Coverages E&O, Professional Liab Carrier Status Admitted States All States
Promont Insurance Advisors
Coverages CGL, Cyber Liab, EPLI, Excess Liab, Hired & Non-owned Auto, Professional Liab, Property Carrier Status Non-admitted States All States
RPS Healthcare
Coverages D&O, EPLI, Excess Liab, GL, Professional Liab, Property States All States
Sapphire Blue
Coverages CGL, Professional Liab
Carrier Status Non-admitted States All States except KY
StateFund First, a Div of Arthur J Gallagher & Co.
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States CA
Home Inspectors
Landy Insurance Agency
Coverages CGL, E&O, Misc Professional Liab, Professional Liab Carrier Status Admitted States All States
Norman-Spencer Agency LLC
Coverages E&O, GL, Property Carrier Status Non-admitted
States All States except AK, LA, WV
Professional Insurance Concepts
Coverages E&O, EPLI, Professional Liab
Carrier Status Admitted States All States
Coverages E&O, Professional Liab Carrier Status Admitted, Non-admitted States All States
Target Professional Programs
Coverages E&O, GL, Professional Liab Carrier Status Non-admitted States All States
Home Medical Equipment Dealers
Amwins - 150+ Locations Worldwide
Coverages Crime, Employee Benefits, Fidelity Bonds, GL, Professional Liab, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Homebuilders
Applied Underwriters Inc.
Coverages Builders Risk, Catastrophe, Combo Personal & Commercial, Workers’ Comp Carrier Status Admitted States All States
Builders & Tradesmen’s Insurance Services Inc. (BTIS)
Coverages Auto Comm-Standard, Excess Liab, GL, Inland Marine Carrier Status Admitted States All States except AK, CO, NY
Gridiron Insurance Underwriters Inc.
Coverages Excess Liab, GL Carrier Status Non-admitted States NJ, NY
Omaha National
Coverages Workers’ Comp Carrier Status Admitted States Most States
REInsurePro
Coverages Builders Risk, Business Income, CGL, Dwelling Fire, Earthquake, Equipment Breakdown, Flood, Foreclosed Properties, Hail, Hurricane, Liability, Medical Payments, Property, Rented Property, Residential Property, Vacant Building Carrier Status Non-admitted States All States except FL, LA, NY
US Assure
Coverages Builders Risk, Business Income, COC, Contractors Equip, Earthquake, Fire, Flood, Hail, High Valued Homes, Hurricane, Installation Floaters, Residential Property, Theft, Tools & Equip, Weather, Wind Carrier Status Admitted States All States
Victor Insurance Managers LLC
Coverages Builders Risk, Cyber Liab Carrier Status Admitted States All States except HI
Wholesure
Coverages Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, Excess Liab, GL, Inland Marine, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Homeowner Associations
Amalgamated Insurance Underwriters
Coverages Boiler & Machinery, Earthquake, Flood, Property Carrier Status Non-admitted States All States except CO, FL, HI, LA, NY, TX
Amwins - 150+ Locations Worldwide
Coverages Auto Comm-Standard, Crime, Equipment Breakdown, Flood, GL, Inland Marine, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States
Coastal Insurance Underwriters Inc.
Coverages Boiler & Machinery, Business Income, CGL, Crime, Cyber Liab, Difference in Conditions, Dwelling Fire, Employee Benefits, Environmental Liab, EPLI, Excess Flood, Fire, Garage Keepers Legal Liab, GL, Homeowners Pkg, Liability, Nonprofit D&O, Pool & Spa Liab, Property, Umbrella, Wind, Workers’ Comp Carrier Status Non-admitted States CA, FL, GA, KY, TN, TX
Community Association Insurance Solutions LLC
Coverages Crime, Workers’ Comp Carrier Status Admitted States All States
Distinguished Programs
Coverages Crime, D&O, GL, Property, Umbrella Carrier Status Admitted, Non-admitted States All States
Hinterland Insurance
Coverages CGL, Earthquake, GL, Property Carrier Status Non-admitted States All States except OK, TX
Kevin Davis Insurance Services
Coverages Crime, Cyber Liab, D&O, Excess Liab Carrier Status Admitted States All States
Markel
Coverages Workers’ Comp States All States
Mexico Insurance Online
2025 Annual Program Directory, Summer Edition
Coverages Catastrophe, Earthquake, Fine Arts, Fire, Flood, Glass, Hail, High Valued Homes, Homeowners
Pkg, Hurricane, Int’l Coverage - Personal, Pool & Spa Liab, Residential Property, Theft States All States
MexiPass International Insurance Services LLC
Coverages Int’l Coverage - Commercial, Int’l CoveragePersonal Carrier Status Admitted States All States
MiniCo Insurance Agency, a Jencap Company
Coverages D&O, Liability Carrier Status Non-admitted States All States
Philadelphia Insurance Companies
Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Boiler & Machinery, CGL, Crime, Employee Benefits, Equipment Breakdown, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Participant Accident, Professional Liab, Property, Real & Business Personal Prop, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA
Professional Insurance Concepts
Coverages E&O, Professional Liab Carrier Status Admitted States All States
US Assure
Coverages Builders Risk, Business Income, COC, Earthquake, Fire, Flood, Hail, High Valued Homes, Hurricane, Installation Floaters, Residential Property, Theft, Weather, Wind Carrier Status Admitted States All States
Horse Breeders/Boarders
Agricultural Insurance Mgmt Services
Coverages Care/Custody/Control, GL, Horse Mortality, Personal Liab Carrier Status Admitted States Most States
Equine Insurance Specialists LLC
Coverages Auto Comm-Standard, Horse Mortality, Liability, Property, Umbrella States All States except AK, FL, HI
Markel
Coverages Auto Comm-Standard, Business Interruption, Care/Custody/Control, CGL, Excess Liab, Fire Legal Liab, GL, Inland Marine, Legal Liab, Medical Payments, Misc Professional Liab, Personal Property, Property, Tools & Equipment, Umbrella Carrier Status Admitted States All States except DC, HI
Horse Farms
Agricultural Insurance Mgmt Services
Coverages Business Income, Care/Custody/Control, Combo Personal & Commercial, Equipment Breakdown, Homeowners Pkg, Horse Mortality, Liability, Tools & Equip Carrier Status Admitted States Most States
AllComp Solutions
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States
Equine Insurance Specialists LLC
Coverages Auto Comm-Standard, Horse Mortality, Liability, Property, Umbrella Carrier Status Admitted States All States except AK, FL, HI
Markel
Coverages Auto Comm-Standard, Business Interruption, Care/Custody/Control, CGL, Excess Liab, Fire Legal Liab, GL, Inland Marine, Legal Liab, Medical Payments, Personal Property, Property, Tools & Equipment, Umbrella Carrier Status Admitted States All States except DC, HI
South & Western General Agency Inc.
Coverages Dwelling Fire, Equipment, Excess Liab, GL, Personal Property, Property Carrier Status Admitted States AR, MS, OK, TN, TX
Hospice Care Facilities
Care Providers Insurance Services
Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, Business Income, Business Interruption, CGL, Community/Social Svcs, Developmental Disabilities, EPLI, Fiduciary Liab, Fire Legal Liab, Hired & Non-owned Auto, Inland Marine, Liquor Liab, Mechanical Breakdown, Misc Professional Liability, Nonprofit D&O, Sexual Misconduct, Umbrella, Uninsured Motorists Carrier Status Non-admitted States Most States RealCare Insurance
Promont Insurance Advisors
Coverages CGL, Cyber Liab, Professional Liab, Property
Carrier Status Non-admitted States All States
Roosevelt Road Specialty
Coverages Excess Liab, GL, Professional Liab
Carrier Status Admitted States All States
Sapphire Blue
Coverages CGL, Professional Liab
Carrier Status Non-admitted States All States except KY
Hospitals
Amwins - 150+ Locations Worldwide
Coverages Crime, Cyber Liab, EPLI, Fiduciary Liab, Kidnap/ Ransom, Professional Liab, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Pro-Praxis Insurance
Coverages E&O, Professional Liab Carrier Status Admitted States All States
Hotels/Motels
Amalgamated Insurance Underwriters
Coverages Assault & Battery, Boiler & Machinery, Crime, Earthquake, Equipment Breakdown, Flood, Property, Wind Carrier Status Non-admitted States All States except CO, FL, HI, NY, OK, TX
Amwins - 150+ Locations Worldwide
Coverages Builders Risk, Business Income, Contractors
Equip, Inland Marine Carrier Status Admitted, Non-admitted States All States
Anderson & Murison Inc.
Coverages CGL, Property States All States
Commercial Sector Ins. Brokers, Part of Monarch E&S
Coverages CGL, Commercial Excess, Earthquake, Excess Liab, Hurricane, Mechanical Breakdown, Property, Wind Carrier Status Non-admitted States Most States
Covenant Underwriters
Coverages Abuse & Molestation, Boiler & Machinery, Commercial Excess, Crime, Cyber Liab, Earthquake, EPLI, Equipment Breakdown, Flood, Hurricane, Liability, Property, Sexual Misconduct, Wind Carrier Status Non-admitted States All States except AK, HI
Distinguished Programs
Coverages Auto Comm-Standard, CGL, Crime, Cyber Liab, Liability, Property, Umbrella Carrier Status Admitted, Non-admitted States All States
Gorst & Compass Insurance
Coverages Business Income, CGL, Glass, Property Carrier Status Non-admitted States CA
Hinterland Insurance
Coverages Builders Risk, CGL, Property Carrier Status Non-admitted States All States except OK, TX
Hull & Company
Coverages Business Interruption, CGL, Property Carrier Status Non-admitted States All States except DC
Markel
Coverages Property, Workers’ Comp Carrier Status Admitted States All States
Monarch E&S Insurance Services
Coverages CGL, Property Carrier Status Non-admitted States All States
PEO Brokers Group
Coverages WC - Master Policies/ASO, Workers’ Comp, Workers’ Comp Plus (Alternative) States All States
Ryan Specialty National Programs
Coverages Abusive Acts, Auto Comm-Standard, Crime, E&O, Garage Keepers Legal Liab, GL, Inland Marine, Liquor Liab, Professional Liab, Property, Umbrella Carrier Status Admitted States All States
Coverages Abuse & Molestation, Accident & Health, Business Interruption, Crime, D&O, EPLI, Excess Liab, GL, Inland Marine, Professional Liab, Property Carrier Status Admitted States All States
Integrated Specialty Coverages (ISC)
Coverages Abuse & Molestation, Addt’l Expense, Employee Benefits, GL, Hired & Non-owned Auto, Medical Professional Carrier Status Non-admitted States All States
Nonprofits Insurance Alliance
Southern Hospitality Underwriters
Coverages All Risks/Cash in Transit, Auto Comm-Standard Liability, Crime, Cyber Liab, EPLI, Equipment Breakdown, GL, Liquor Liab, Property, Sexual Misconduct, Umbrella, Wind, Workers’ Comp Carrier Status Admitted States All States
UCA General Insurance Services Inc.
Coverages Business Income, CGL, Crime, Cyber Liab, Equipment Breakdown, Hired & Non-owned Auto, Liquor Liab, Medical Payments, Property, Umbrella Carrier Non-admitted States AZ, CA, ID, NV, OR, UT, WA
Wholesure
Coverages CGL, Property, Workers’ Comp Carrier Status Non-admitted States All States
2025 Annual Program Directory, Summer Edition
Ice Rink Owners & Operators
American Specialty Insurance & Risk Services Inc.
Coverages Auto Comm-Standard, CGL, Crime, Employee Benefits, Excess Liab, Liquor Liab, Participant Accident, Property, Workers’ Comp Carrier Status Admitted States All States
McGowan Allied Specialty Insurance
Coverages Auto Comm-Standard, CGL, Crime, Equipment Breakdown, Excess Liab, Hired & Non-owned Auto, Inland Marine, Property, Workers’ Comp Carrier Status Admitted States All States
Importers
Anderson & Murison Inc.
Coverages Commercial Excess, D&O, EPLI, Professional Liab Carrier Status Admitted States All States
Axon Underwriting LLC
Coverages Care/Custody/Control, Commercial Marine, Environmental Liab, Pollution, Pollution Liab Carrier Status Admitted States All States
Brownyard Group
Coverages Blanket Addt’l Insureds, Blanket Waivers, Business Income, Business Interruption, CGL, Employee Benefits, Fire, Fire Legal Liab, GL, Glass, Hired & Non-owned Auto, Inland Marine, Liability, Personal Property, Products Liab, Professional Liab, Property, Stop-Gap Carrier Status Non-admitted States All States
Cosmetic Insurance Services, a division of EPIC Brokers
Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Boiler & Machinery, Crime, GL, Inland Marine, Products Liab, Property, Umbrella Carrier Status Admitted States All States
NeitClem Wholesale Insurance Brokerage Inc.
Coverages GL, Property Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX
In-Home Businesses
South & Western General Agency Inc.
Coverages BOP, Business Interruption Carrier Status Admitted States AR, MS, NM, OK, TN, TX
Industrial Parks
MexiPass International Insurance Services LLC
Coverages Int’l Coverage - Commercial, Int’l CoveragePersonal Carrier Status Admitted States All States
MG Skinner & Associates
Coverages Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, E&O, Earthquake, EPLI, Excess Liab, Flood, Professional Liab, Property, Real & Business Personal Prop, Tenant Discrimination, Umbrella, Wind, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Innkeepers
Philadelphia Insurance Companies
Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Business Income, Care/Custody/Control, CGL, Crime, D&O, Employee Benefits, EPLI, Fiduciary Liab, Fire Legal Liab, GL, Hired & Nonowned Auto, Personal Property, Professional Liab, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA
Insurance Agents & Brokers (P/C L/H)
Builders & Tradesmen’s Insurance Services Inc. (BTIS)
Coverages E&O, GL, Workers’ Comp Carrier Status Admitted States All States except AK
Cooper & McCloskey Inc.
Coverages E&O, Professional Liab Carrier Status Admitted, Non-admitted States AK, AZ, CA, CO, GA, HI, IL, NV, NY, OR, TN, TX, UT, WA
Frank Winston Crum Insurance
Coverages Excess Liab, GL, Workers’ Comp Carrier Status Admitted States Most States
J.E. Brown & Associates
Coverages Cyber Liab, D&O, E&O, EPLI States AZ, CA, CO, NV, OR, TX, UT, WA
Landy Insurance Agency
Coverages BOP, Crime, Cyber Liab, D&O, E&O, EPLI, Products Liab, Workers’ Comp Carrier Status Admitted States All States
Markel Coverages Auto Comm-Standard, Excess Liab, GL, Property, Workers’ Comp States All States except HI, LA
Mexico Insurance Online
Coverages Auto Pers-Nonstandard, Auto Pers-Standard, Boats, Emergency Towing & Service, Homeowners Pkg, Int’l
Coverage - Personal, Liability, Physical Damage
States All States
NEXT Insurance
Coverages BOP, Excess Liab, GL, Professional Liab, Umbrella, Workers’ Comp Carrier Status Admitted States All States
Number One Insurance Agency
Coverages Excess Liab, Professional Liab
Carrier Status Admitted, Non-admitted States MA
Professional Insurance Concepts
Coverages E&O, EPLI, Professional Liab
Carrier Status Admitted States All States
ProSurance Group, a Div of One80 Intermediaries
Coverages Crime, E&O, Excess Liab, Fidelity, Fidelity Bonds, Professional Liab Carrier Status Admitted, Non-admitted States All States
Quadrant Insurance Managers
Coverages D&O, Professional Liab
Carrier Status Non-admitted States All States
Sun Coast General Insurance Agency
Coverages BOP, Cyber Liab, E&O, Liability
Carrier Non-admitted States AZ, CA, CO, NV, OR, UT, WA
Target Professional Programs
Coverages E&O, Professional Liab Carrier Status Nonadmitted States All States except AK, HI, LA, MS, WV
U.S. Brokers Network, a Division of U.S. Risk, LLC
Coverages E&O, Professional Liab Carrier Status Admitted, Non-admitted States All States except AK, CA, HI
U.S. E&O Brokers, a Division of U.S. Risk, LLC
Coverages Crime, Cyber Liab, D&O, E&O, Professional Liab, Technology E&O States Most States
Vanguard Specialty
Coverages E&O, Professional Liab Carrier Status Admitted States AL, AZ, FL, GA, IL, MA, MN, MO, MS, NC, NJ, OR, PA, TN, TX, VA, WI
Insurance Companies
Frank Winston Crum Insurance
Coverages Excess Liab, GL, Workers’ Comp
Carrier Status Admitted States Most States
Markel
Coverages Auto Comm-Standard, Excess Liab, GL, Property, Workers’ Comp States All States except HI, LA
Mexico Insurance Online
Coverages Auto Pers-Nonstandard, Auto Pers-Standard, Boats, Emergency Towing & Service, Homeowners Pkg, Int’l Coverage - Personal, Liability, Physical Damage States All States
Quadrant Insurance Managers
Coverages D&O, EPLI, Fiduciary Liab, Professional Liab
Carrier Status Non-admitted States All States
Internet Companies
Professional Insurance Concepts
Coverages E&O, Professional Liab Carrier Status Admitted States All States
RPS Technology & Cyber
Coverages BOP, Breach of Security, Business Income, Business Interruption, CGL, Combo Personal & Commercial, Completed Operations Liab, Crime, Cyber Liab, D&O, E&O, Employee Benefits, EPLI, Excess Liab, Fidelity, Fidelity Bonds, Fiduciary Liab, Hired & Non-owned Auto, Liability, Media Liab, Products Liab, Professional Liab, Property, Technology E&O, Umbrella Carrier Status Admitted States All States except DC
Investigators
AMIS/Alliance Marketing & Insurance Services LLC
Coverages Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, E&O, Liability, Property, Workers’ Comp Carrier Status Non-admitted States All States except RI, WY
Brownyard Group
Coverages Assault & Battery, Blanket Addt’l Insureds, Care/ Custody/Control, CGL, Commercial Excess, E&O, Excess Liab, GL, Inland Marine, Liability, Lost Key, Medical Payments, Professional Liab, Property Carrier Status Admitted States All States except NE
Ryan Specialty National Programs
Coverages Assault & Battery, Auto Comm-Nonstandard, Care/ Custody/Control, Crime, E&O, Excess Liab, GL, Inland Marine, Lost Key, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Admitted, Non-admitted States All States
The Mechanic Group, a Div of Specialty Programs Group
Coverages CGL, Commercial Excess, Contractors License Bonds, D&O, E&O, EPLI, Liability, Umbrella, Workers’ Comp Carrier Status Non-admitted States All States
Investment Companies
ProSurance Group, a Div of One80 Intermediaries
Coverages Crime, E&O, Fidelity, Fidelity Bonds, Professional Liab Carrier Status Admitted, Non-admitted States All States
Unitas Financial Services
Coverages Foreclosed Properties, Liability, Property, Rented Property, Residential Property Carrier Status Admitted, Non-admitted States All States except AK, HI
Janitorial Firms
Builders & Tradesmen’s Insurance Services Inc. (BTIS)
Coverages Auto Comm-Standard, Excess Liab, GL, Workers’ Comp Carrier Status Admitted States All States except AK
Indemnity Excess & Surplus Agency Inc.
Coverages Contractors Equip, GL, Lost Key Carrier Status Non-admitted States AZ, CA, CO, FL, HI, ID, NV, OR, TX, WA
Integrated Specialty Coverages (ISC)
Coverages CGL, GL Carrier Status Non-admitted States All States
Markel
Coverages Business Income, Equipment Breakdown, GL, Lost Key, Medical Payments, Property, Theft, Workers’ Comp Carrier Status Admitted States All States except WV
Omaha National
Coverages Workers’ Comp Carrier Status Admitted States Most States
PEO Brokers Group
Coverages WC - Master Policies/ASO, Workers’ Comp, Workers’ Comp Plus (Alternative) States All States
Sovereign Group Int’l Inc.
Coverages CGL, Commercial Excess, Completed Operations Liab, EPLI, Fire, GL, Liability, Property, Umbrella Carrier Status Non-admitted States MA, NJ, NY
TAPCO Underwriters Inc.
Coverages GL, Professional Liab, Property Carrier Status Non-admitted States Most States
Jr. Markets/Liquor Stores
Business Alliance Insurance Company
Coverages BOP, Cyber Liab, EPLI, Equipment Breakdown, Liquor Liab Carrier Status Admitted States CA
Labor Unions
Great American Insurance Group, Alternative Markets
Coverages Auto Comm-Standard, BOP, CGL, Inland Marine, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Laboratories - Testing
Freberg Environmental Inc.
Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, E&O, Environmental Liab, GL, Hired & Non-owned Auto, Pollution, Pollution Liab, Professional Liab, Transportation Pollution Liab Carrier Status Non-admitted States All States
Professional Program Ins. Brokerage (PPIB), a Div of SPG Coverages Cyber Liab, GL, Professional Liab Carrier Status Non-admitted States All States
Tokio Marine HCC
Coverages E&O, Professional Liab Carrier Status Admitted, Non-admitted States All States
Coverages Auto Comm-Standard, Care/Custody/Control, Commercial Excess, Completed Operations Liab, E&O, Environmental Liab, Equipment Breakdown, Fire Legal Liab, GL, Herbicide & Pesticide, Inland Marine, Liability, Lost Key, Pollution Liab, Professional Liab, Property Carrier Status
Admitted States All States except CA, LA, NV, NY, SC
Builders & Tradesmen’s Insurance Services Inc. (BTIS)
Coverages Auto Comm-Standard, Contractors Equip, Excess Liab, GL, Workers’ Comp Carrier Status Admitted States All States except AK
Gridiron Insurance Underwriters Inc.
Coverages Excess Liab, GL Carrier Status Non-admitted States NJ, NY
Integrated Specialty Coverages (ISC)
Coverages CGL, GL Carrier Status Non-admitted States All States
MiniCo Insurance Agency, a Jencap Company
Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, CGL, GL, Herbicide & Pesticide, Inland Marine, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Omaha National
Coverages Workers’ Comp Carrier Status Admitted States Most States
Oryx Insurance Brokerage Inc.
Coverages Auto Comm-Standard, GL, Umbrella, Workers’ Comp Carrier Status Admitted States CT, DE, MD, NJ, NY, PA, VT
Professional Insurance Concepts
Coverages E&O, Professional Liab Carrier Status Admitted States All States
Landscape Gardeners
Brownyard Group
Coverages Auto Comm-Standard, Care/Custody/Control, Commercial Excess, Completed Operations Liab, E&O, Environmental Liab, Equipment Breakdown, Fire Legal Liab, GL, Herbicide & Pesticide, Inland Marine, Liability, Lost Key, Pollution Liab, Property Carrier Status Admitted States All States except CA, LA, NV, NY, SC
ISC (Integrated Specialty Coverages)
Coverages CGL, GL Carrier Status Non-admitted States All States
Sovereign Group Int’l Inc.
Coverages Business Income, Business Interruption, CGL, Commercial Excess, Contractors Equip, E&O, EPLI, GL, Liability, Misc Professional Liab, Products Liab, Professional Liab, Property, Umbrella Carrier Status Non-admitted States MA, NJ, NY
Laser Centers
Professional Program Ins. Brokerage (PPIB), a Div of SPG
Coverages Abuse & Molestation, Blanket Addt’l Insureds, CGL, Commercial Excess, Cyber Liab, E&O, Equipment Breakdown, Excess Liab, GL, Inland Marine, Liability, Media Liab, Misc Professional Liab, Products Liab, Professional Liab, Property, Sexual Misconduct, Tanning Liab, Teachers Liab Carrier Status Non-admitted States All States
Laundries/Coin Laundry
Bass Underwriters
Coverages Assault & Battery, Bailee/Customer Goods, Business Income, Fire, GL, Hired & Non-owned Auto, Property, Wind States Most States
Markel
Coverages Workers’ Comp Carrier Status Admitted States All States
Law Firms
Amwins - 150+ Locations Worldwide
Coverages Legal Liab, Professional Liab States ME, NH, VT
Cooper & McCloskey Inc.
Coverages Legal Malpractice, Professional Liab
Carrier Status Admitted, Non-admitted States AK, AZ, CA, CO, GA, HI, IL, NV, NY, OR, TN, TX, UT, WA
GIG Professional Programs
Coverages Legal Liab, Legal Malpractice
Carrier Status Admitted States FL
Hull & Company
Coverages Commercial Excess, D&O, E&O, EPLI
Carrier Admitted, Non-admitted States All States except DC
Johnson & Johnson
Coverages Cyber Liab, E&O, EPLI, Kidnap/Ransom, Professional Liab Carrier Status Non-admitted States All States
Landy Insurance Agency
Coverages BOP, Crime, Cyber Liab, D&O, E&O, EPLI,
Professional Liab, Workers’ Comp Carrier Status Admitted States All States
MiniCo Insurance Agency, a Jencap Company
Coverages E&O, Professional Liab Carrier Status Admitted, Non-admitted States All States
Professional Insurance Concepts
Coverages E&O, EPLI, Professional Liab
Carrier Status Admitted States All States
Synergy Professional Associates Inc.
Coverages Excess Liab, Professional Liab Carrier Status
Admitted, Non-admitted States All States except AR, KS, MO
Target Professional Programs
Coverages E&O, Professional Liab Carrier Status Admitted
States Most States
The McGowan Companies
Coverages E&O, Excess Liab, Professional Liab States AL, CA, CO, CT, FL, GA, MI, NV, NY, OH, TN, TX, WA
U.S. E&O Brokers, a Division of U.S. Risk, LLC
Coverages Cyber Liab, E&O, Professional Liab Status Admitted, Non-admitted States AL, AR, AZ, CO, IL, KS, KY, MO, NC, TX
Vanguard Specialty
Coverages E&O, Excess Liab, Professional Liab
Carrier Status Admitted, Non-admitted States All States
Coverages Abuse & Molestation, Commercial Auto Boiler & Machinery, Business Income, Business Interruption, CGL, Commercial Excess, Crime, Cyber Liab, D&O, E&O, EPLI, Equipment, Equipment Breakdown, Fine Arts, Fire, GL, Hail, Hired & Non-owned Auto, Inland Marine, Liability, Medical Payments, Nonprofit D&O, Personal Property, Professional Liability, Property, Theft, Wind, Workers’ Comp Carrier Admitted States All States except AK, FL, HI, WA
Limousine Service Companies
5Star Specialty Programs
Coverages Auto Comm-Nonstandard, Auto CommNonstandard Liability, Auto Comm-Nonstandard Phys Dmg, Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Excess Liab, GL, Physical Damage, Workers’ Comp Carrier Status Admitted States All States
National Indemnity Company
Coverages Auto Comm-Nonstandard, Auto CommNonstandard Phys Dmg, Liability, Medical Payments, Uninsured Motorists Carrier Status Admitted, Non-admitted States All States except HI, MA, NJ, NY
Philadelphia Insurance Companies
Coverages Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, CGL, Hired & Non-owned Auto Carrier Admitted States All States except FL, LA, MI, NV, NY
Specialty Wholesale Ins. Solution (SWIS), a Div of SPG
Coverages Auto Comm-Standard, Garage Keepers Legal Liab, Liability, Property Carrier Status Admitted States All States
Liquor Stores
Business Alliance Insurance Company
Coverages BOP, Cyber Liab, EPLI, Equipment Breakdown, Liquor Liab Carrier Status Admitted States CA
Gorst & Compass Insurance
Coverages Business Income, CGL, Liquor Liab, Property
Carrier Status Non-admitted States CA
Liquor Pak Insurance Programs
Coverages Auto Comm-Standard, BOP, Business Interruption, Cyber Liab, Equipment Breakdown, Liquor Liab, Umbrella, Workers’ Comp Carrier Status Admitted States Most States
Number One Insurance Agency
Coverages GL, Liquor Liab, Property, Vacant Building Carrier Status Admitted States MA
Long Term Care Facilities
Amwins - 150+ Locations Worldwide
Coverages Abusive Acts, GL, Professional Liab, Workers’ Comp Carrier Status Admitted States All States
Specialty Wholesale Ins. Solution (SWIS), a Div of SPG
Coverages Abuse & Molestation, All Risks/Cash in Transit, Boiler & Machinery, Crime, D&O, Environmental Liab, EPLI, Excess Liab, Liability, Pollution, Pollution Liab Carrier Status Admitted States All States
Lumber Mills/Saw/Plywood
Continental Underwriters
Coverages Auto, Boiler & Machinery, Builders Risk, Cargo, Crime, Earthquake, Equipment, Equipment Breakdown, Flood, Foreign GL, Hail, Inland Marine, Liability, Motor Truck Cargo, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Keith D. Peterson & Company Inc
Coverages Auto Comm-Standard, Boiler & Machinery, Builders Risk, CGL, Crime, D&O, EPLI, Equipment Breakdown, Inland Marine, Motor Truck Cargo, Property, Umbrella, Workers' Comp Carrier Status Admitted, Non-admitted States All States
Machine Shops
Markel
Coverages Inland Marine, Workers’ Comp States All except HI Omaha National
Coverages Workers’ Comp Carrier Status Admitted States Most States
Western Surplus Lines Agency Inc.
Coverages Bailee/Customer Goods, Blanket Addt’l Insureds, Blanket Waivers, CGL, Commercial Excess, Completed Operations Liab, Contractors Equip, Hired & Non-owned Auto, Medical Payments, Misc Professional Liab, Products Liab Carrier Status Non-admitted States LA, ND, NM, OK, TX
Managed Care Centers
Pro-Praxis Insurance
Coverages E&O, Professional Liab Carrier Status Admitted States All States
Professional Insurance Concepts
Coverages E&O, Professional Liab Carrier Status Admitted States All States
Manufacturers
Amwins - 150+ Locations Worldwide
Coverages All Risks/Cash in Transit, Cargo, Commercial Marine, Wet Marine Carrier Status Admitted States All States
Applied Underwriters Inc.
Coverages Builders Risk, Combo Personal & Commercial, Workers’ Comp Carrier Status Admitted States All States
Axon Underwriting LLC
Coverages Commercial Marine, Environmental Liab, Pollution, Pollution Liab Carrier Admitted States All States
Brownyard Group
Coverages Blanket Addt’l Insureds, Blanket Waivers, Business Income & Interruption, CGL, Fire, GL, Glass, Hired & Nonowned Auto, Inland Marine, Liability, Personal Property, Products Liab, Professional Liab, Property, Stop-Gap Carrier Status Non-admitted States All States
Commercial Sector Ins. Brokers, Part of Monarch E&S
Coverages CGL, Excess Liab, Products Liab, Property, Umbrella Carrier Status Non-admitted States Most States
Continental Underwriters
Coverages Business Income, Business Interruption, Cargo, Crime, Equipment Breakdown, Excess Liab, GL, Liability, Property, Theft, Umbrella, Wind, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Cowbell Cyber
Coverages Breach of Security, Business Income, Business Interruption, Cyber Liab Carrier Status Admitted States All States except AK, HI, VT
2025 Annual Program Directory, Summer Edition
Great American Insurance Group, Alternative Markets
Coverages Auto Comm-Standard, BOP, CGL, Inland Marine, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Ironwood Brokers & Insurance Marketing
Coverages GL, Liability Carrier Status Admitted States Most States
JC Wilson Consulting Inc.
Coverages Boiler & Machinery, Equipment Breakdown, Product Extended Warranty, Service Contracts, Warranties, Extended Carrier Status Admitted States All States
Joseph Chiarello & Co. ; Firearms Business Insurance
Coverages CGL, Equipment Breakdown, Firearms Liability, Property, Umbrella Carrier Status Admitted States All States
MacAfee & Edwards Inc. - Mexican Insurance Specialist
Coverages Foreign GL, Int’l Coverage - Commercial, Int’l Coverage - Personal Carrier Status Admitted, Non-admitted States All States
Markel
Coverages Workers’ Comp States All States
Meramec Secure Inc.
Coverages Product Extended Warranty, Service Contracts, Warranties, Extended Carrier Status Admitted States All States
MexiPass International Insurance Services LLC
Coverages Int’l Coverage - Commercial, Int’l CoveragePersonal States All States
Monarch E&S Insurance Services
Coverages GL, Property Carrier Status Non-admitted States All States
NeitClem Wholesale Insurance Brokerage Inc.
Coverages Blanket Addt’l Insureds, Completed Operations Liab, Equipment, Foreign GL, Inland Marine, Liability, Motor Truck Cargo, Pollution, Product Extended Warranty, Products Liab Carrier Admitted, Non-admitted States AZ, CA, NV, TX
Oryx Insurance Brokerage Inc.
Coverages Auto Comm-Standard, CGL, Crime, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Parcel Insurance Plan
Coverages Cargo, Inland Marine Carrier Status Admitted States All States
Personal Safeguards Group LLC
Coverages Product Extended Warranty, Service Contracts, Warranties, Extended Carrier Status Admitted States All States
Philadelphia Insurance Companies
Coverages Commercial Auto, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Professional Liab, Property, Umbrella, Uninsured Motorists Carrier Status Admitted, Non-admitted States All States except LA
Professional Program Ins. Brokerage (PPIB), a Div of SPG
Coverages Abuse & Molestation, Blanket Addt’l Insureds, CGL, Commercial Excess, Cyber Liab, Inland Marine, Products Liab, Property Carrier Status Non-admitted States All States
Quirk & Company
Coverages CGL, Environmental Liab, Equipment, Excess Flood, Flood, Kidnap/Ransom, Products Liab, Professional Liab, Property Carrier Status Non-admitted States LA, OK, OR, TX, WA
Southwest Risk
Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Property, Umbrella Carrier Status Non-admitted States All States
StateFund First, a Div of Arthur J Gallagher & Co.
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States CA
The McGowan Companies
Coverages Abuse & Molestation Carrier Status Admitted States All States
Union General Insurance Services Inc.
Coverages CGL, GL Carrier Status Non-admitted States AZ, CA, NM, NV, OR, TX
Walter General Agency (WGA)
Coverages Boiler & Machinery, Builders Risk, Business Income, Business Interruption, Cargo, CGL, Commercial Excess, Completed Operations Liab, Excess Liab, Hired & Non-owned Auto, Liability, Medical Payments, Motor Truck Cargo, Products Liab, Property, Technology E&O, Theft, Tools & Equip, Umbrella Carrier Status Non-admitted States AR, IA, ID, IL, IN, KS, KY, MO, OK, TN
Marina Operators
Hull & Company
Coverages Commercial Marine, Marina Operators Legal, Property Carrier Status Non-admitted
States All States except DC
Marine Underwriters of America
Coverages Boats, GL, Hull, Inland Marine, Liquor Liab, Marina Operators Legal, Piers & Docks, Protection & Indemnity (P&I), Real & Business Personal Prop, Ship Repairers Legal Carrier Status Admitted States All States
Markel
Coverages Workers’ Comp States All States
Markel Personal Lines
Coverages Boats, Commercial Marine, Hull, Pollution Liab, Watercraft Liab Carrier Status Admitted States All States
McGowan Allied Specialty Insurance
Coverages Auto Comm-Standard, CGL, Crime, Equipment Breakdown, Excess Liab, Hired & Non-owned Auto, Inland Marine, Marina Operators Legal, Property, Workers’ Comp Carrier Status Admitted States All States
Mexico Insurance Online
Coverages Boats, Int’l Coverage - Personal, Watercraft Liab States All States
The American Equity Underwriters Inc.
Coverages MEL, USL&H, Workers’ Comp States All States
Marina/Boat Repair & Service Centers
Marine Underwriters of America
Coverages Excess Liab, GL, Hull, Inland Marine, Protection & Indemnity (P&I), Real & Business Personal Prop, Ship
Repairers Legal Carrier Status Admitted States All States
Markel
Coverages Workers’ Comp States All States
Markel Personal Lines
Coverages Boats, Commercial Marine, Hull, Pollution Liab, Watercraft Liab Carrier Status Admitted States All States
Roush Insurance Services Inc.
Coverages Bailee/Customer Goods, Boiler & Machinery, Business Income, Business Interruption, Care/Custody/ Control, CGL, Commercial Marine, Crime, Cyber Liab, D&O, EPLI, Equipment Breakdown, Excess Liab, Fire, GKLL, GL, Hoist/Haul-out, Hull, Inland Marine, Liability, Lost Key, Marina Operators Legal, Mechanical Breakdown, Physical Damage, Pollution, Property, Protection & Indemnity (P&I), Real & Business Personal Prop, Ship Repairers Legal, Theft, Tools & Equip, Watercraft Liab, Watersports Liab, Wet Marine Carrier Status Non-admitted States IA, IL, IN, OH, WI
Sun Coast General Insurance Agency
Coverages Boats, Care/Custody/Control, CGL, Commercial Marine, Marina Operators Legal, Piers & Docks, Ship Repairers Legal, Tools & Equip, Uninsured Boaters, Watercraft Liab, Wet Marine Carrier Status Admitted, Non-admitted States AK, AZ, CA, CO, FL, NV, OR, UT, WA
Marinas/Boat Dealers
Integrated Specialty Coverages (ISC)
Coverages Cargo, Excess Liab, GL, Hull
Carrier Status Non-admitted States All States
Marine Underwriters of America
Coverages Boats, Dealers Open Lot, Excess Liab, GL, Hired & Non-owned Auto, Hull, Inland Marine, Liquor Liab, Marina Operators Legal, Protection & Indemnity (P&I), Real & Business Personal Property, Watercraft Liability
Carrier Status Admitted States All States
Markel
Coverages Workers’ Comp States All States
Mexico Insurance Online
Coverages Boats, Int’l Coverage - Personal, Watercraft Liab States All States
Breakdown, Flood, Property Carrier Status Non-admitted States All States except CO, FL, HI, LA, NY, TX
Amwins - 150+ Locations Worldwide
Coverages Business Interruption, Employee Benefits, Fidelity Bonds, GL, Professional Liab, Property, Workers’ Comp Carrier Status Non-admitted States All States
Integrated Specialty Coverages (ISC)
Coverages Abuse & Molestation, Addt’l Expense, Employee Benefits, GL, Hired & Non-owned Auto, Medical Professional Carrier Status Non-admitted States All States
Pro-Praxis Insurance
Coverages E&O, Professional Liab Carrier Status Admitted States All States
Medical Device/Instrument Mfr.
Amwins - 150+ Locations Worldwide Coverages Crime, D&O, EPLI, Excess Liab, Fidelity Bonds, GL, Hired & Non-owned Auto, Professional Liab, Property, Workers’ Comp Carrier Status Admitted States All States
Markel
Coverages Workers’ Comp States All States
Professional Program Ins. Brokerage (PPIB), a Div of SPG Coverages Abuse & Molestation, Products Liab States All States
Medical Imaging Centers
Gridiron Insurance Underwriters Inc.
Coverages Excess Liab, GL Carrier Status Non-admitted States NJ, NY
Professional Liab, Products Liab, Professional Liab, Property, Sexual Misconduct, Tanning Liab, Teachers Liab Carrier Status Non-admitted States All States
Mental Health Care Facilities
Addiction Treatment Providers Insurance Program
Coverages Abuse & Molestation, Auto Comm-Standard, Business Income, Cyber Liab, Hired & Non-owned Auto, Liability, Medical Malpractice, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except NY
Amwins - 150+ Locations Worldwide
Coverages Business Interruption, Employee Benefits, Fidelity Bonds, GL, Professional Liab, Property, Workers’ Comp Carrier Status Non-admitted States All States
Irwin Siegel Agency
Coverages Abuse & Molestation, Addiction Treatment, Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Boiler & Machinery, Business Income, Crime, Cyber Liab, GL, Inland Marine, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States
Negley Associates
Coverages CGL, Professional Liab Carrier Status Non-admitted States All States
Philadelphia Insurance Companies
Coverages Abuse & Molestation, Addiction Treatment, Commercial Auto, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Professional Liab, Property, Real & Business Personal Prop, Sexual Misconduct, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA
RPS Signature Programs
Coverages Abuse & Molestation, Auto Comm-Standard, CGL, Cyber Liab, Employee Benefits, EPLI, Excess Liab, Hired & Non-owned Auto, Nonprofit D&O, Professional Liab, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Metalworking Companies
Amwins - 150+ Locations Worldwide
Coverages Auto Comm-Standard, Crime, Equipment Breakdown, GL, Inland Marine, Property, Stop-Gap, Umbrella, Workers’ Comp Carrier Status Admitted States All States
Oryx Insurance Brokerage Inc.
Coverages Auto Comm-Standard, CGL, Crime, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Mobile Home Parks (Commercial)
Arrowhead General Insurance Agency Inc.
Coverages Business Income, Catastrophe, GL, Liability, Physical Damage, Property States All States
Gorst & Compass Insurance
Coverages Business Income, CGL, Property Carrier Status Non-admitted States CA
Philadelphia Insurance Companies
Coverages Auto Comm-Standard, Boiler & Machinery, CGL, D&O, Employee Benefits, EPLI, Equipment, Fire Legal Liab, GL, Hired & Non-owned Auto, Liability, Property, Umbrella, Uninsured Motorists, Uninsured Personal Injury Carrier Status Admitted States All States except LA
South & Western General Agency Inc.
Coverages GL, Property Carrier Status Non-admitted States AR, MS, NM, OK, TN, TX
Mortgage Bankers/Lenders
Johnson & Johnson
Coverages Crime, Cyber Liab, D&O, E&O, EPLI, Fidelity Bonds, Kidnap/Ransom, Professional Liab Carrier Status Non-admitted States All States
Proctor Loan Protector
Coverages Blanket Forced Placed, E&O, Excess Flood, Flood, Force Place Fire Cvrg, Foreclosed Properties, High Valued Homes, Mobile Home Ins, Mortgage Impairment, Mortgage REO Cvrg, Rented Property, Residential Property Carrier Status Non-admitted States All States
Ryan Specialty National Programs
Coverages Collateral Protection, Force Place Fire Cvrg, GL, Mortgage Impairment, Mortgage REO Cvrg, Property, Vacant Building Carrier Status Non-admitted States All States
Wilkoff Bonds
Coverages Contractors License Bonds, Crime, Fidelity, Fidelity Bonds, Fiduciary Liab Carrier Status Admitted States All States
2025 Annual Program Directory, Summer Edition
Mortgage Brokers
Landy Insurance Agency
Coverages BOP, Crime, Cyber Liab, D&O, E&O, EPLI, Professional Liab, Workers’ Comp Carrier Status Admitted States All States
Norman-Spencer Agency LLC
Coverages Cyber Liab, E&O States All States except AK, HI
RealCare Insurance
Coverages E&O, Professional Liab Carrier Status Admitted, Non-admitted States All States
U.S. E&O Brokers, a Division of U.S. Risk, LLC
Coverages Cyber Liab, E&O, Fidelity Bonds Status Admitted, Non-admitted States AL, AR, AZ, CO, GA, TX
Wilkoff Bonds
Coverages Contractors License Bonds, Crime, Fidelity, Fidelity Bonds, Fiduciary Liab Carrier Status Admitted States All States
Motion Picture (Film/Video) Producers
Alive Risk
Coverages Accident & Health, Accidental Death, CGL, Contingent Coverages, Event Cancellation, Excess Liab, Hired & Non-owned Auto, Inland Marine, Liquor Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Philadelphia Insurance Companies
Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, Cyber Liab, D&O, EPLI, Equipment Breakdown, Inland Marine, Participant Accident, Professional Liab, Property, Umbrella Carrier Status Admitted States All States except LA
Motor Sports
Alive Risk
Coverages Abuse & Molestation, CGL, Event Cancellation, Excess Liab, Hired & Non-owned Auto, Participant Accident, Prize Indemnification, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
K&K Insurance Group Inc.
Coverages Auto Comm-Standard, CGL, Crime, Disability, EPLI, Inland Marine, Property, Workers’ Comp Carrier Status Admitted States All States
Motorcycle
Dealers
Mexico Insurance Online
Coverages Auto Pers-Nonstandard, Auto Pers-Standard, Emergency Towing & Service, Int’l Coverage - Personal, Liability, Physical Damage States All States
Ryan Specialty National Programs
Coverages Dealers Open Lot, E&O, Garage Liability, GL, Physical Damage, Property Carrier Status Non-admitted States Most States
Movie Theaters
American Specialty Insurance & Risk Services Inc.
Coverages Auto Comm-Standard, CGL, Crime, Excess Liab, Inland Marine, Liquor Liab, Property, Workers’ Comp Carrier Status Admitted States All States
Moving
& Storage Companies
Mover’s Choice Insurance
Coverages Auto Comm-Standard Liability, Cargo, Crime, Cyber Liab, Property, Umbrella, Workers’ Comp States All States
Moving Companies
Mover’s Choice Insurance
Coverages Auto Comm-Standard Liability, Cargo, Crime, Cyber Liab, Property, Umbrella, Workers’ Comp States All States
Municipalities
Professional Governmental Underwriters
Coverages D&O, E&O, EPLI, Police Professional Liab Carrier Status Admitted, Non-admitted States All States
RPS Signature Programs
Coverages
Wright Specialty Insurance
Coverages Auto Comm-Standard Liability, Auto Comm-
Standard Phys Dmg, Business Income, CGL, Crime, Cyber Liab, EPLI, Equipment, Equipment Breakdown, Excess Liab, Fire, Inland Marine, Property, Public Officials
Carrier Status Admitted States Most States
Museums
Care Providers Insurance Services
Coverages Business Interruption, Crime Carrier Status Admitted States All States
Charity First Insurance Services Inc.
Coverages Auto Comm-Standard, Blanket Addt’l Insureds, Business Income, CGL, Crime, Cyber Liab, EPLI, Inland Marine, Nonprofit D&O, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States
Great American Ins. Group, Specialty Human Services
Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Boiler & Machinery, Business Income, CGL, Commercial Excess, Completed Operations Liab, Crime, Educator Legal Liab, Equipment Breakdown, Excess Liab, Fidelity, Fine Arts, Fire Legal Liab, GL, Historic Bldgs/Unique Property, Inland Marine, Liquor Liab, Medical & Physical Rehab, Property, Real & Business Personal Prop, Sexual Misconduct, Umbrella Carrier Status Admitted States All States except HI, LA, OK
Integrated Specialty Coverages (ISC)
Coverages Assault & Battery, Fine Arts, GL, Property Carrier Status Non-admitted States All States
Nonprofits Insurance Alliance
Coverages Auto Comm-Standard, Auto Comm-Standard Phys Dmg, Blanket Addt’l Insureds, Business Income, Business Interruption, CGL, Crime, EPLI, Fiduciary Liab, Fire Legal Liab, Hired & Non-owned Auto, Inland Marine, Liquor Liab, Mechanical Breakdown, Misc Professional Liab, Nonprofit D&O, Umbrella Carrier Status Non-admitted States Most States
Philadelphia Insurance Companies
Coverages Abuse & Molestation, Commercial Auto Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Nonprofit D&O, Participant Accident, Professional Liab, Property, Real & Business Personal Prop, Sexual Misconduct, Umbrella, Uninsured Motorists Carrier Status Admitted States All except LA
Specialty Wholesale Ins. Solution (SWIS), a Div of SPG Coverages All Risks/Cash in Transit, Crime, Fine Arts, Legal Liab, Liability, Property, Umbrella Carrier Status Admitted States All States
Music, Touring & Live Events
Alive Risk
Coverages Accident & Health, Accidental Death, CGL, Contingent Coverages, Event Cancellation, Excess Liab, Hired & Non-owned Auto, Inland Marine, Liquor Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Roosevelt Road Specialty
Coverages Excess Liab, GL Carrier Status Admitted States All States
Networking/Telecommunication Co’s
AMIS/Alliance Marketing & Insurance Services LLC
Coverages Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, BOP, Liability, Property, Workers’ Comp Carrier Status Admitted States All States
RPS Technology & Cyber
Coverages BOP, Breach of Security, Business Income, Business Interruption, CGL, Combo Personal & Commercial, Completed Operations Liab, Crime, Cyber Liab, D&O, E&O, Employee Benefits, EPLI, Excess Liab, Fidelity, Fidelity Bonds, Fiduciary Liab, Hired & Non-owned Auto, Liability, Media Liab, Products Liab, Professional Liab, Property, Technology E&O, Umbrella Carrier Status Admitted States All States except DC
Coverages Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, Liability, Professional Liab, Property Carrier Status Admitted States All States
Ascendant Insurance Solutions
Coverages Auto Comm-Standard, Cyber Liab, Professional Liab, Workers’ Comp Carrier Status Admitted States AL, AZ, CA, CO, CT, DC, FL, GA, IL, KY, LA, MA, MD, NC, NJ, NM, NV, NY, PA, SC, TN, TX, VA, VT, WY
Berkley Select | a Berkley Company
Coverages D&O, EPLI, Fiduciary Liab, Nonprofit D&O Carrier Status Admitted, Non-admitted States All States
Builders & Tradesmen’s Insurance Services Inc. (BTIS)
Coverages D&O, EPLI, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except AK
Care Providers Insurance Services
Coverages Abuse & Molestation, Auto Comm-Standard, Business Interruption, Crime, D&O, Equipment Breakdown, GL, Hired & Non-owned Auto, Liability, Participant Accident, Professional Liability, Property, Theft, Umbrella Carrier Status Admitted States All States except AK, HI
Charity First Insurance Services Inc.
Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, Boiler & Machinery, Business Income, CGL, Crime, Cyber Liab, EPLI, Equipment Breakdown, Int’l Coverage - Commercial, Liquor Liab, Nonprofit D&O, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States
Carrier Status Admitted, Non-admitted States AZ, CA, CO, ID, MD, NE, NM, NV, OR, PA, TN, TX, UT, VA, WA
Gateway Specialty Insurance
Coverages Abuse & Molestation, EPLI, GL, Nonprofit D&O, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States except AK, HI, LA
Great American Ins. Group, Specialty Human Services
Professional Liab, Professional Liability, Umbrella Carrier Status Admitted States All States except HI, LA, OK
Indemnity Excess & Surplus Agency Inc.
Coverages BOP, E&O, EPLI, Nonprofit D&O
Carrier Status Admitted States All States except DC, LA
Irwin Siegel Agency
Coverages Abuse & Molestation, Accident & Health, Addiction Treatment, Auto Comm-Standard, Auto CommStandard Liability, Auto Comm-Standard Phys Dmg, Boiler & Machinery, BOP, Business Income, CGL, Community/Social Svcs, Crime, Cyber Liab, D&O, E&O, EPLI, Nonprofit D&O, Property, Umbrella Carrier Status Admitted, Non-admitted States All States
MexiPass International Insurance Services LLC
Coverages Int’l Coverage - Commercial, Int’l CoveragePersonal Carrier Status Admitted States All States
MiniCo Insurance Agency, a Jencap Company
Coverages Abuse & Molestation, Accident & Health, Auto Comm-Standard, Boiler & Machinery, Business Income, Business Interruption, Commercial Excess, Community/ Social Svcs, Crime, D&O, E&O, Earthquake, EPLI, Equipment Breakdown, Hired & Non-owned Auto, Liquor Liab, Medical Malpractice, Medical Payments, Medical Professional, Nonprofit D&O, Property, Sexual Misconduct, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except HI, LA
Nonprofits Insurance Alliance
Coverages Abuse & Molestation, D&O, Fiduciary Liab, GL, Hired & Non-owned Auto, Liability, Physical Damage, Professional Liab, Umbrella Carrier Status Admitted, Non-admitted States Most States
Philadelphia Insurance Companies
Coverages Abuse & Molestation, Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Nonprofit D&O, Participant Accident, Professional Liab, Property, Real & Business Personal Prop, Sexual Misconduct, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA
Professional Insurance Concepts
Coverages D&O, EPLI Carrier Status Admitted States All States
Sports & Wellness Insurance
Coverages Abuse & Molestation, Accident & Health, Crime, Cyber Liab, D&O, GL, Hired & Non-owned Auto, Inland Marine, Property, Umbrella Carrier Status Admitted, Non-admitted States All States
U.S. E&O Brokers, a Division of U.S. Risk, LLC
Coverages Crime, Cyber Liab, Event Cancellation, Nonprofit D&O Status Admitted, Non-admitted States All States except AK, DC, HI
Union General Insurance Services Inc.
Coverages Abuse & Molestation, Abusive Acts, Addiction Treatment, Assault & Battery, Blanket Addt’l Insureds, BOP, CGL, Community/Social Svcs, Completed Operations Liab, Crime, Cyber Liab, D&O, EPLI, Excess Liab, Inland Marine, Nonprofit D&O, Professional Liab, Property, Religious Institutions, Sexual Misconduct, Umbrella Carrier Status Admitted, Non-admitted States AZ, CA, NM, NV, OR, TX
Victor Insurance Managers LLC
Coverages Crime, D&O, EPLI, Fiduciary Liab, Kidnap/Ransom, Nonprofit D&O Carrier Status Admitted, Non-admitted States All States
Professional Program Ins. Brokerage (PPIB), a Div of SPG Coverages Abuse & Molestation, Blanket Addt’l Insureds, CGL, Commercial Excess, Cyber Liab, Inland Marine, Misc
Professional Liab, Products Liab, Property Carrier Status Non-admitted States All States
Union General Insurance Services Inc.
Coverages CGL, GL, Products Liab States AZ, CA, NM, NV, OR, TX
Property Carrier Status Admitted States DC, GA, IL, MA, MD, MI, MN, NJ, NY, PA, VA, WI
Business Alliance Insurance Company
Coverages BOP, Equipment Breakdown
Carrier Status Admitted States CA
Distinguished Programs
Coverages Boiler & Machinery, Builders Risk, CGL, GL, Property, Umbrella, Vacant Building Carrier Status Admitted, Non-admitted States All States
HabPro Insurance
Coverages Business Income, Equipment Breakdown, Hired & Non-owned Auto, Property Carrier Status Non-admitted States All States except AK, FL, HI, LA
Hinterland Insurance
Coverages CGL, Earthquake, GL, Property, Vacant Building Carrier Status Non-admitted States All States except OK, TX
Integrated Specialty Coverages (ISC)
Coverages Earthquake, Equipment Breakdown, Flood, Lost Key, Personal Property, Vacant Building Carrier Status Non-admitted States All States
MG Skinner & Associates
Coverages Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, E&O, Earthquake, EPLI, Excess Liab, Flood, Misc Professional Liab, Professional Liab, Property, Tenant Discrimination, Umbrella, Wind, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Philadelphia Insurance Companies
Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Employee Benefits, EPLI, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Property, Real & Business Personal Prop, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA
Preferred Concepts LLC
Coverages Excess Liab, GL, Umbrella Carrier Status Admitted States All States
Quirk & Company
Coverages CGL, Commercial Excess, Excess Liab, Property, Vacant Building Carrier Status Admitted, Non-admitted States OK, TX
UCA General Insurance Services Inc.
Coverages Business Income, CGL, Cyber Liab, Equipment Breakdown, Fire Legal Liab, Hired & Non-owned Auto, Medical Payments, Property, Umbrella Carrier Non-admitted States AZ, CA, ID, NV, OR, UT, WA
Oil & Gas Operators
LIG Marine Managers
Coverages USL&H, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Target Managers Insurance Services
Coverages Auto Comm-Standard, CGL, Environmental Liab, Excess Liab, Pollution Liab, Property, Truck Auto Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Western Surplus Lines Agency Inc.
Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Commercial Excess, Completed Operations Liab, Contractors Equip, Control of Well, Employee Benefits, Fire Legal Liab, Hired & Non-owned Auto, Inland Marine, Medical Payments, Misc Professional Liab, Pollution Liab, Products Liab, Professional Liab Carrier Status Non-admitted States TX
Optometrist
Cowbell Cyber
Coverages Breach of Security, Business Income, Business Interruption, Cyber Liab Carrier Status Admitted, Non-admitted States All States except HI, VT
Integrated Specialty Coverages (ISC)
Coverages Abuse & Molestation, Addt’l Expense, Employee Benefits, GL, Hired & Non-owned Auto, Medical Professional Carrier Status Non-admitted States All States
Markel
Coverages Auto Comm-Standard, Excess Liab, GL, Inland Marine, Property, Workers’ Comp States All States except HI, LA
Orchards - Agriculture
Agricultural Insurance Mgmt Services
Coverages CGL, Contractors Equip, Products Liab, Property Carrier Status Admitted States Most States
Osteopaths
TDC Specialty Underwriters
Coverages Liability, Medical Malpractice, Professional Liab Carrier Status Admitted, Non-admitted States All States except KS, NM, NY, WI
2025 Annual Program Directory, Summer Edition
Parent Teacher Organizations (PTAs/
PTOs)
Nonprofits Insurance Alliance
Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, Business Income, Business Interruption, CGL, Community/Social Svcs, Developmental Disabilities, EPLI, Fiduciary Liab, Fire Legal Liab, Hired & Non-owned Auto, Inland Marine, Liquor Liab, Mechanical Breakdown, Misc Professional Liab, Nonprofit D&O, Sexual Misconduct, Umbrella, Uninsured Motorists Carrier Status Non-admitted States Most States
Pest Control Firms
Brownyard Group
Coverages Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, Care/Custody/Control, CGL, Commercial Excess, Completed Operations Liab, Crime, E&O, Environmental Liab, Equipment Breakdown, Fidelity, Fidelity Bonds, Fire Legal Liab, GL, Herbicide & Pesticide, Inland Marine, Liability, Lost Key, Medical Payments, Pollution Liab, Products Liab, Professional Liab, Property, Stop-Gap, Workers’ Comp Carrier Status Admitted States All States except LA
Markel
Coverages Auto Comm-Standard, Business Income, CGL, Equipment, Equipment Breakdown, Herbicide & Pesticide, Inland Marine, Legal Liability, Livestock/Animal Mortality, Medical Payments, Property, Umbrella Carrier Status Admitted States All States except AL, AK, HI
Philadelphia Insurance Companies
Coverages CGL, GL, Inland Marine, Property, Umbrella Carrier Status Admitted States All States except LA, VT
Ryan Specialty National Programs
Coverages Auto Comm-Nonstandard, Blanket Addt’l Insureds, Blanket Waivers, Care/Custody/Control, Crime, Employee Benefits, Excess Liab, GL, Hired & Non-owned Auto, Inland Marine, Lost Key, Pollution, Professional Liability, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Sovereign Group Int’l Inc.
Coverages Business Income, Business Interruption, CGL, Commercial Excess, E&O, EPLI, Liquor Liab, Misc
Professional Liab, Professional Liability, Property, Umbrella Carrier Status Non-admitted States MA, NJ, NY
Specialty Wholesale Ins. Solution (SWIS), a Div of SPG
Coverages GL, Liability, Pollution, Pollution Liab, Property, Umbrella Carrier Status Admitted States All States
Petroleum Distributors
Integrated Specialty Coverages (ISC)
Coverages Commercial Excess, Excess Liab Carrier Status Non-admitted States All States
Target Managers Insurance Services
Coverages Auto Comm-Standard, CGL, Environmental Liab, Excess Liab, Pollution Liab, Property, Truck Auto Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Physicians
Integrated Specialty Coverages (ISC)
Coverages Abuse & Molestation, Addt’l Expense, Employee Benefits, GL, Hired & Non-owned Auto, Medical Professional Carrier Status Non-admitted States All States
Markel
Coverages Workers’ Comp Carrier Status Admitted States All States
RPS Healthcare
Coverages D&O, EPLI, Medical Malpractice Carrier Status Admitted, Non-admitted States All States
TDC Specialty Underwriters
Coverages Liability, Medical Malpractice, Professional Liab Carrier Status Admitted, Non-admitted States All States except KS, NM, NY, WI
Piers & Docks
Integrated Specialty Coverages (ISC)
Coverages Cargo, Excess Liab, GL, Hull Carrier Status Non-admitted States All States
Marine Underwriters of America
Coverages Excess Liab, GL, Hired & Non-owned Auto, Piers & Docks Carrier Status Admitted, Non-admitted States All States
Pizza Delivery
Amwins - 150+ Locations Worldwide
Coverages Auto Comm-Standard, BOP, Excess Liab, Hired & Non-owned Auto Carrier Status Admitted States All States
Markel
Coverages Workers’ Comp States All States
Plastic Manufacturers & Distributors
Amwins - 150+ Locations Worldwide
Coverages Auto Comm-Standard, Crime, Equipment Breakdown, GL, Inland Marine, Property, Stop-Gap, Umbrella, Workers’ Comp Carrier Status Admitted States All States
Markel Coverages Workers’ Comp States All States
Podiatric Physicians
RPS Signature Programs
Coverages Cyber Liab, MEDEFENSE Plus, Professional Liab, Sexual Misconduct States All States
TDC Specialty Underwriters
Coverages Liability, Medical Malpractice, Professional Liab Carrier Status Admitted, Non-admitted States All States except KS, NM, NY, WI
Police/Law Enforcement Officers
Professional Governmental Underwriters
Coverages Blanket Wrongful Acts, Police Professional Liab Carrier Status Admitted, Non-admitted States All States
Printers
Markel
Coverages Workers’ Comp Carrier Status Admitted States All States
Production Companies
Alive Risk
Coverages Accident & Health, Accidental Death, CGL, Contingent Coverages, Event Cancellation, Excess Liab, Hired & Non-owned Auto, Inland Marine, Liquor Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Integrated Specialty Coverages (ISC)
Coverages Equipment, Excess Liability, GL, Hired & Non-owned Auto, Inland Marine, Workers’ Comp Carrier Status Non-admitted States All States
Professional Employer Organizations (PEO’s)
Amwins - 150+ Locations Worldwide
Coverages Cyber Liab, EPLI, Workers’ Comp Carrier Status Admitted States All States
Philadelphia Insurance Companies
Coverages Business Income, Care/Custody/Control, CGL, Crime, D&O, Employee Benefits, EPLI, Fiduciary Liab, Fire Legal Liab, GL, Identity Theft, Legal Expense Ins, Personal Property, Professional Liab, Protection & Indemnity (P&I), Umbrella Carrier Status Admitted States All States except LA
Ryan Specialty National Programs
Coverages Abuse & Molestation, Blanket Addt’l Insureds, Blanket Waivers, Care/Custody/Control, Crime, Employee Benefits, EPLI, Excess Liab, GL, Hired & Non-owned Auto, Professional Liab, Property, Stop-Gap, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
StateFund First, a Div of Arthur J Gallagher & Co.
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States CA
World Wide Specialty, a Div of Philadelphia Ins. Co’s Coverages Abusive Acts, Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, Care/Custody/Control, Crime, Cyber Liab, D&O, E&O, Employee Benefits, EPLI, Fidelity, Fidelity Bonds, GL, Hired & Non-owned Auto, Misc Professional Liab, Professional Liab, Property, Technology E&O, Umbrella, Workers’ Comp Carrier Status Admitted States All States
Professionals/Consultants/Contractors
Access E&S Insurance Services
Coverages Excess Liab, Pollution, Professional Liab
Carrier Status Non-admitted States AR, DC, DE, GA, IL, MD, NC, NJ, NY, OH, PA, SC, TN, TX, VA
Ascendant Insurance Solutions
Coverages Auto Comm-Standard, Contractors Equip, Excess Liab, GL, Workers’ Comp Carrier Status Admitted States AL, AZ, CA, CO, CT, DC, FL, GA, IL, KY, LA, MA, MD, NC, NJ, NM, NV, NY, PA, SC, TN, TX, VA, VT, WY
Carrier Status Admitted, Non-admitted States AZ, CA, CO, ID, MD, NE, NM, NV, OR, PA, TN, TX, UT, VA, WA
Commercial Sector Ins. Brokers, Part of Monarch E&S
Coverages CGL, Commercial Excess, Completed Operations Liab, E&O, Excess Liab, GL, Liability, Pollution Liab, Professional Liab, Umbrella Carrier Status Non-admitted States Most States
Indemnity Excess & Surplus Agency Inc.
Coverages CGL, EPLI, Excess Liab, Misc Professional Liab, Property Carrier Status Admitted, Non-admitted States AZ, CA, CO, HI, ID, NV, OR, TX, WA
NEXT Insurance
Coverages CGL, E&O, Equipment, Professional Liab
Carrier Status Admitted States All States
Norman-Spencer International Inc.
Coverages E&O, Professional Liab Carrier Status Admitted States All States except AK, HI
Professional Underwriters Agency (PUA)
Coverages Pollution, Professional Liab
Carrier Status Admitted, Non-admitted States All States
RPS Technology & Cyber
Coverages BOP, Breach of Security, Business Income, Business Interruption, CGL, Combo Personal & Commercial, Completed Operations Liab, Crime, Cyber Liab, D&O, E&O, Employee Benefits, EPLI, Excess Liab, Fidelity, Fidelity Bonds, Fiduciary Liab, Hired & Non-owned Auto, Liability, Media Liab, Products Liab, Professional Liab, Property, Technology E&O, Umbrella Carrier Status Admitted States All States except DC
Sun Coast General Insurance Agency
Coverages D&O, E&O, EPLI Carrier Status Admitted, Non-admitted States CA
U.S. E&O Brokers, a Division of U.S. Risk, LLC
Coverages Cyber Liab, E&O, Professional Liab Carrier Status Admitted, Non-admitted States All States except AK, CA, HI
Virtue Risk Partners LLC
Coverages Auto Comm-Standard, CGL, Commercial Excess, E&O, Environmental Liab, Workers’ Comp Carrier Status Non-admitted States All States
Coverages E&O, EPLI, Tenant Discrimination Carrier Status Admitted States All States except DC, LA
Integrated Specialty Coverages (ISC)
Coverages E&O, Professional Liab Carrier Status Non-admitted States All States
Johnson & Johnson
Coverages Crime, Cyber Liab, E&O, EPLI, Fidelity Bonds, Kidnap/Ransom, Professional Liab Carrier Status Non-admitted States All States
Landy Insurance Agency
Coverages Crime, Cyber Liab, D&O, E&O, EPLI, Professional Liab, Workers’ Comp Carrier Status Admitted States All States
MG Skinner & Associates
Coverages Apartment House Package, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, Cyber Liab, Earthquake, EPLI, Excess Liab, Flood, Misc Professional Liab, Professional Liab, Tenant Discrimination, Umbrella, Wind, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Preferred Concepts LLC
Coverages CGL, Umbrella Carrier Status Admitted States All States
Professional Insurance Concepts
Coverages E&O, Professional Liab Carrier Status Admitted States All States
RealCare Insurance
Coverages E&O, Professional Liab Carrier Status Admitted, Non-admitted States All States
REInsurePro
Coverages Builders Risk, Business Income, CGL, Dwelling Fire, Earthquake, Equipment Breakdown, Flood, Foreclosed Properties, Hail, Hurricane, Medical Payments, Property, Real & Business Personal Prop, Rented Property, Residential Property, Tenant Discrimination, Theft, Vacant Building Carrier Status Non-admitted States All except FL, LA, NY
Ryan Specialty National Programs
Coverages Collateral Protection, Force Place Fire Cvrg, GL, Mortgage Impairment, Mortgage REO Cvrg, Property, Vacant Building Carrier Status Non-admitted States All States
US Assure
Coverages GL, Rented Property, Residential Property Carrier Status Admitted States All States
Walter General Agency (WGA)
Coverages Blanket Addt’l Insureds, Blanket Waivers, Builders Risk, Business Income, Business Interruption, CGL, Excess Liab, GL, Liability, Medical Payments, Property, Umbrella Carrier Status Non-admitted States AR, IL, IN, KS, KY, MO, OK, TN
Public Entities
Gray Specialty
Coverages WC - Buyback Policies, WC - Captive Placement, Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States Most States
Grundy Insurance
Coverages Auto Comm-Standard, CGL, D&O, E&O, EPLI, Equipment Breakdown, Excess Liab, Property, Public Officials Carrier Status Admitted States All States except DC, HI, LA
MAXIMUM
Coverages Boiler & Machinery, Builders Risk, Business Income, Business Interruption, Catastrophe, Earthquake, Equipment, Equipment Breakdown, Excess Flood, Flood, GL, Hurricane, Property, Public Officials, Umbrella Carrier Status Admitted, Non-admitted States All States
Professional Governmental Underwriters
Coverages D&O, E&O, EPLI, Public Officials
Carrier Status Admitted, Non-admitted
States All States
RPS Signature Programs
Coverages Abuse & Molestation, Auto Comm-Standard, Crime, EPLI, Excess Liab, GL, Inland Marine, Physical Damage, Police Professional Liab, Property, Public Officials
States All States
RPS Technology & Cyber
Coverages Cyber Liab, Legal Expense Ins, Media Liab
Carrier Status Admitted, Non-admitted
States All States
Wright Specialty Insurance
Coverages Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, Business Income, CGL, Crime, Cyber Liab, EPLI, Equipment, Equipment Breakdown, Excess Liab, Fire, Inland Marine, Property, Public Officials
Carrier Status Admitted States Most States
Publishers
Cooper & McCloskey Inc.
Coverages Cyber Liab, D&O, E&O, EPLI, Kidnap/Ransom, Media Liab Carrier Status Admitted States CA
Professional Insurance Concepts
Coverages E&O, Professional Liab Carrier Status Admitted States All States
Real Estate Agents & Brokers
Builders & Tradesmen’s Insurance Services Inc. (BTIS)
Coverages E&O, GL, Workers’ Comp Carrier Status Admitted
States All States except AK
J.E. Brown & Associates
Coverages Cyber Liab, D&O, E&O, EPLI
States AZ, CA, CO, NV, OR, TX, UT, WA
Landy Insurance Agency
Coverages BOP, Crime, Cyber Liab, E&O, EPLI, Professional Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except AK, LA
Norman-Spencer Agency LLC
Coverages Cyber Liab, E&O Carrier Status Admitted States All States except AK, CA, LA, WV
Professional Insurance Concepts
Coverages E&O, Professional Liab Carrier Status Admitted States All States
RealCare Insurance
Coverages E&O, Professional Liab Carrier Status Admitted States All States except NY
Sun Coast General Insurance Agency
Coverages BOP, CGL, Cyber Liab, E&O, EPLI, GL, Workers’ Comp Carrier Status Non-admitted States AZ, CA, CO, NV, OR, UT, WA
U.S. E&O Brokers, a Division of U.S. Risk, LLC
Coverages E&O, Technology E&O Status Admitted, Non-admitted States Most States
Vanguard Specialty
Coverages E&O, Professional Liab Carrier Status Admitted, Non-admitted States Most States
Victor Insurance Managers LLC
Coverages Cyber Liab, E&O, Professional Liab Carrier Status Admitted, Non-admitted States All States
Real Estate Appraisers
Landy Insurance Agency
Coverages BOP, E&O, Professional Liab, Workers’ Comp
Carrier Status Admitted States All States except AK, LA
Norman-Spencer Agency LLC
Coverages Cyber Liab, E&O Carrier Status Admitted
States All States except AK, LA, WV
RealCare Insurance
Coverages E&O, Professional Liab Carrier Status Admitted
States All States except AK, LA, NY
Target Professional Programs
Coverages E&O, Professional Liab
Carrier Status Non-admitted States All States
Vanguard Specialty
Coverages E&O, Professional Liab Carrier Status Admitted
License Bonds, Excess Liab, Inland Marine, Pollution Liab, Products Liab Carrier Status Admitted, Non-admitted States All States except NJ, NY
Southwest Risk
Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Umbrella Carrier Status Non-admitted States All States
Unitas Financial Services
Coverages Liability, Property, Rented Property, Residential Property Carrier Status Non-admitted
States All States except AK, HI, MI
US Assure
Coverages Builders Risk, Business Income, COC, Contractors Equip, Earthquake, Fire, Flood, Hail, High Valued Homes, Hurricane, Installation Floaters, Residential Property, Theft, Tools & Equip, Weather, Wind Carrier Status Admitted States All States
Wholesure
Coverages Addt’l Living Expense, Apartment House Package, BOP, Builders Risk, Business Income, Business Interruption, CGL, Commercial Excess, GL, High Valued Homes, Liability, Loss of Use, Rented Property, Residential Property Carrier Status Non-admitted States All States
Recording
Studios
Alive Risk
Coverages Accident & Health, CGL, Contingent Coverages, Event Cancellation, Excess Liab, Hired & Non-owned Auto, Inland Marine, Liquor Liability, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Records Storage & Info Mgmt
Risk Strategies, Transportation Group
Coverages Addt’l Expense, Auto Comm-Standard, Bailee/ Customer Goods, BOP, Business Income, Cargo, CGL, Crime, Cyber Liab, D&O, E&O, EPLI, Fidelity Bonds, Hired & Nonowned Auto, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States
Recycling Centers
Amwins - 150+ Locations Worldwide
Coverages Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, Environmental Liab, GL, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Registered Investment Advisors
Markel
Coverages Auto Pers-Standard, Excess Liab, GL, Professional Liab, Property, Workers’ Comp States All States except HI, LA ProSurance Group, a Div of One80 Intermediaries Coverages Crime, E&O, Fidelity, Fidelity Bonds, Professional Liab Carrier Status Admitted, Non-admitted States All States
Residential Care Centers
Gateway Specialty Insurance
Coverages Abuse & Molestation, Accident & Health, Auto Comm-Standard, Blanket Addt’l Insureds, CGL, Crime, Cyber Liab, D&O, Employee Benefits, EPLI, Equipment Breakdown, Foreign GL, Hired & Non-owned Auto, Professional Liab, Property Carrier Status Admitted, Non-admitted States All States
Nonprofits Insurance Alliance
Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, Business Income, Business Interruption, CGL, Community/Social Svcs, Developmental Disabilities, EPLI, Fiduciary Liab, Fire Legal Liab, Hired & Non-owned Auto, Inland Marine, Liquor Liab, Mechanical Breakdown, Misc Professional Liab, Nonprofit D&O, Sexual Misconduct, Umbrella, Uninsured Motorists
Carrier Status Non-admitted States Most States
RPS Signature Programs
Coverages Abuse & Molestation, Auto Comm-Standard, Business Income, CGL, D&O, Employee Benefits, EPLI, Equipment Breakdown, Excess Liab, Hired & Non-owned Auto, Professional Liab, Property Carrier Status Admitted, Non-admitted States All States
Venture Insurance Programs
Coverages Auto Comm-Standard, Crime, Cyber Liab, D&O, GL, Inland Marine, Liquor Liab, Medical Malpractice, Professional Liab, Property, Real & Business Personal Prop, Sexual Misconduct, Umbrella Carrier Status Admitted States All States
2025 Annual Program Directory, Summer Edition
Residential Subcontractors
Builders & Tradesmen’s Insurance Services Inc. (BTIS)
Coverages Auto Comm-Nonstandard, Auto Comm-Standard, Builders Risk, CGL, COC, Contractors Equip, Excess Liab, GL, Inland Marine, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except AK, FL, HI, MD, NY, VT
Integrated Specialty Coverages (ISC)
Coverages CGL, GL Carrier Status Non-admitted States All States
Omaha National
Coverages Workers’ Comp Carrier Status Admitted States Most States
REInsurePro
Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Completed Operations Liab, Excess Liab, Products Liab Carrier Status Non-admitted States All States except CO, LA, NJ, NY
Southwest Risk
Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Umbrella Carrier Status Non-admitted States All States
US Assure
Coverages Builders Risk, COC, Contractors Equip, Installation Floaters, Theft Carrier Status Admitted States All States
Resorts
Amwins - 150+ Locations Worldwide
Coverages Auto Comm-Standard, Crime, Equipment Breakdown, GL, Inland Marine, Property, Workers’ Comp Carrier Status Admitted States All States
Distinguished Programs
Coverages Auto Comm-Standard, CGL, Cyber Liab, GL, Umbrella Carrier Status Admitted, Non-admitted States All States
MexiPass International Insurance Services LLC
Coverages Int’l Coverage - Commercial, Int’l CoveragePersonal Carrier Status Admitted States All States
Ryan Specialty National Programs
Coverages Abusive Acts, Auto Comm-Standard, Crime, E&O, Garage Keepers Legal Liab, GL, Inland Marine, Liquor Liab, Professional Liab, Property, Umbrella Carrier Status Admitted States All States
Restaurants
Ascendant Insurance Solutions
Coverages Auto Comm-Standard, Builders Risk, GL, Property, Workers’ Comp Carrier Status Admitted States AL, AZ, CA, CO, CT, DC, FL, GA, IL, KY, LA, MA, MD, NC, NJ, NM, NV, NY, OR, SC, TN, TX, VA, VT, WY
Bass Underwriters
Coverages Excess Liab, GL, Liquor Liab, Property Carrier Status Non-admitted States Most States
Berkley Luxury Group, a W.R. Berkley Company
Coverages CGL, Commercial Marine, Cyber Liab, GKLL, Hired & Non-owned Auto, Property, Umbrella Carrier Status Admitted States AZ, CA, CO, CT, DC, GA, IL, MA, MD, MI, MN, MO, NC, NJ, NM, NV, NY, OH, OR, PA, SC, TN, VA, WI
Builders & Tradesmen’s Insurance Services Inc. (BTIS)
Coverages BOP, Liquor Liab, Workers’ Comp Carrier Admitted, Non-admitted States All States except AK
Business Alliance Insurance Company
Coverages BOP, Cyber Liab, EPLI, Equipment Breakdown, Liquor Liab Carrier Status Admitted States CA
CID Insurance Programs Inc.
Coverages Assault & Battery, GL, Liquor Liab, Personal Property, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States AZ, CA, CO, ID, MD, NE, NM, NV, OR, PA, TN, TX, UT, VA, WA
Distinguished Programs
Coverages CGL, Crime, Cyber Liab, EPLI, GL, Property, Umbrella Carrier Status Admitted States All States
Hull & Company
Coverages Assault & Battery, CGL, Property Carrier Status Non-admitted States All States except DC
Integrated Specialty Coverages (ISC)
Coverages Assault & Battery, Equipment Breakdown, GL, Liquor Liab, Property Carrier Status Non-admitted States All States
Ironwood Brokers & Insurance Marketing
Coverages GL, Liability Carrier Status Admitted States Most States
Markel
Coverages Workers’ Comp Carrier Status Admitted States All States
MAXIMUM
Coverages Boiler & Machinery, Business Income, Business Interruption, Catastrophe, Earthquake, Equipment, Equipment Breakdown, Excess Flood, Flood, GL, Property, Umbrella Carrier Status Admitted, Non-admitted States All States except NE
McLeckie Insurance Group
Coverages Business Income, CGL, Crime, EPLI, Food Borne Illness, Liquor Liab, Property Carrier Status Non-admitted States All States
NEXT Insurance
Coverages BOP, Cyber Liab, EPLI, Food Borne Illness, GL, Liquor Liab, Workers’ Comp Carrier Status Admitted States All States
Number One Insurance Agency
Coverages Excess Liab, Flood, GL, Liquor Liab, Property, Vacant Building Carrier Status Admitted States MA
Quirk & Company
Coverages CGL, Property Carrier Status Non-admitted States NM, OK, OR, TN, TX, WA
Roush Insurance Services Inc.
Coverages Assault & Battery, Blanket Addt’l Insureds, Boiler & Machinery, Business Income, Business Interruption, CGL, Commercial Excess, Crime, D&O, Equipment Breakdown, Excess Liab, Fire, Food Spoilage, GL, Inland Marine, Liability, Liquor Liab, Medical Payments, Products Liab, Property, Real & Business Personal Prop, Spoilage, Theft, Umbrella Carrier Status Non-admitted States IA, IL, IN, OH, WI
Specialty Insurance
Coverages Assault & Battery, Boiler & Machinery, Business Income, Business Interruption, CGL, Completed Operations Liab, Crime, Employee Benefits, Equipment Breakdown, Fire, Fire Legal Liab, Food Spoilage, Garage Liability, GKLL, GL, Glass, Hired & Non-owned Auto, Liability, Liquor Liab, Medical Payments, Property, Spoilage, Theft Carrier Status
Admitted, Non-admitted States AZ, CA, CT, DE, FL, GA, IL, MA, MD, MI, MN, MO, NC, NJ, NY, OH, PA, RI, SC, TN, TX
StateFund First, a Div of Arthur J Gallagher & Co.
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative)
Carrier Status Admitted States CA
Sun Coast General Insurance Agency
Coverages BOP, GL, Liquor Liab, Property
Carrier Status Admitted, Non-admitted States CA
TAPCO Underwriters Inc.
Coverages GL, Liquor Liab, Property
Carrier Status Non-admitted States Most States
The McGowan Companies
Coverages Commercial Excess, Umbrella
Carrier Status Admitted States All States
UCA General Insurance Services Inc.
Coverages Business Income, CGL, Cyber Liab, Equipment Breakdown, Fire Legal Liab, Hired & Non-owned Auto, Liquor Liab, Medical Payments, Property, Umbrella Carrier Non-admitted States AZ, CA, ID, NV, OR, UT, WA
Carrier Status Non-admitted States AR, IA, ID, IL, IN, KS, KY, MO, OK, TN
Wholesure
Coverages Business Income, Business Interruption, CGL, Equipment, Liability, Liquor Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Retail Stores
Ascendant Insurance Solutions
Coverages Auto Comm-Standard, BOP, Builders Risk, GL, Property, Workers’ Comp Carrier Status Admitted States AL, AZ, CA, CO, CT, DC, FL, GA, IL, KY, LA, MA, MD, NC, NJ, NM, NV, NY, PA, SC, TN, TX, VA, VT, WY
Builders & Tradesmen’s Insurance Services Inc. (BTIS) Coverages BOP, GL, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except AK
Business Alliance Insurance Company
Coverages BOP, Cyber Liab, EPLI, Equipment Breakdown Carrier Status Admitted States CA
Distinguished Programs
Coverages Builders Risk, CGL, GL, Umbrella, Vacant Building Carrier Status Admitted, Non-admitted States All States
Hinterland Insurance
Coverages CGL, Earthquake, GL, Property Carrier Status Non-admitted States All States except OK, TX
Ironwood Brokers & Insurance Marketing
Coverages GL, Liability Carrier Status Admitted States Most States
Markel
Coverages Workers’ Comp States All States
Meramec Secure Inc.
Coverages Product Extended Warranty, Service Contracts, Warranties, Extended Carrier Status Admitted States All States
Monarch E&S Insurance Services
Coverages CGL, Fire, Fire Legal Liab, GL, Liability, Liquor Liab, Medical Payments, Products Liab, Property Carrier Status Non-admitted States All States
NEXT Insurance
Coverages BOP, Excess Liab, GL, Umbrella, Workers’ Comp Carrier Status Admitted States All States
Personal Safeguards Group LLC
Coverages Product Extended Warranty, Service Contracts, Warranties, Extended Carrier Status Admitted States All States
Preferred Concepts LLC
Coverages CGL, Excess Liab, GL, Umbrella Carrier Status Admitted States All States except NY
StateFund First, a Div of Arthur J Gallagher & Co.
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States CA
UCA General Insurance Services Inc.
Coverages Business Income, CGL, Cyber Liab, Equipment Breakdown, Fire Legal Liab, Hired & Non-owned Auto, Medical Payments, Property, Umbrella Carrier Status Nonadmitted States AZ, CA, ID, NV, OR, UT, WA
RV Dealerships
Ryan Specialty National Programs
Coverages Business Income, Crime, Cyber Liab, Dealers Open Lot, E&O, EPLI, Equipment Breakdown, Garage Keepers Legal Liab, Garage Liability, GL, Hired & Non-owned Auto, Identity Theft, Physical Damage, Property, Umbrella Carrier Status Non-admitted States Most States
RV Parks
Arrowhead General Insurance Agency Inc. Coverages Business Income, Catastrophe, Equipment, GL, Physical Damage, Physical Damage Rental Units, Property, Umbrella Carrier Status Admitted States All States
Philadelphia Insurance Companies
Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, Employee Benefits, Equipment Breakdown, Fire Legal Liability, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Professional Liab, Property, Real & Business Personal Property, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA
Scaffold Erectors
School Bus Operations
Philadelphia Insurance Companies
Abuse & Molestation, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, CGL, Crime, Employee Benefits, Hired & Non-owned Auto, Inland Marine, Property, Umbrella, Uninsured Motorists Carrier Admitted States All States except FL, LA, MI, NV, NY
School Bus
2025 Annual Program Directory, Summer Edition
Schools-Public/Private
AllComp Solutions
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States
AMIS/Alliance Marketing & Insurance Services LLC
Coverages Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, BOP, Liability, Property, Workers’ Comp States All States
Care Providers Insurance Services
Coverages Abuse & Molestation, Auto Comm-Standard, Crime, D&O, EPLI, Excess Liab, GL, Inland Marine, Professional Liab, Property Carrier Status Admitted States All States
Gray Specialty
Coverages WC - Buyback Policies, Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States Most States
Great American Ins. Group, Specialty Human Services
Coverages Abuse & Molestation, Auto Comm-Nonstandard, Blanket Addt’l Insureds, Business Income, CGL, Commercial Excess, Community/Social Svcs, Crime, Educator Legal Liab, Employee Benefits, Equipment Breakdown, Excess Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Inland Marine, Misc Professional Liability, Professional Liability, Umbrella Carrier Status Admitted States All States except HI, LA, OK
Nonprofits Insurance Alliance
Coverages Abuse & Molestation, Auto Comm-Standard, Auto Comm-Standard Phys Dmg, Blanket Addt’l Insureds, Business Income, Business Interruption, CGL, Community/Social Svcs, Crime, Developmental Disabilities, EPLI, Fiduciary Liab, Fire Legal Liab, Hired & Non-owned Auto, Inland Marine, Mechanical Breakdown, Misc Professional Liab, Nonprofit D&O, Sexual Misconduct, Umbrella, Uninsured Motorists Carrier Status Non-admitted States Most States
Philadelphia Insurance Companies
Coverages Abuse & Molestation, Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Boiler & Machinery, CGL, Crime, D&O, Earthquake, Educator Legal Liab, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, Flood, GL, Hired & Non-owned Auto, Identity Theft, Property, Real & Business Personal Prop, Sexual Misconduct, Student Accident, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA
Professional Governmental Underwriters
Coverages D&O, E&O, Educator Legal Liab, EPLI Carrier Status Admitted, Non-admitted States All States
RPS Signature Programs
Coverages Abuse & Molestation, Auto Comm-Standard, Cyber Liab, Earthquake, Educator Legal Liab, EPLI, Excess Liab, Flood, GL, Property States All States
Wright Specialty Insurance
Coverages Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, Business Income, CGL, Cyber Liab, EPLI, Equipment, Excess Liab, Fire, Inland Marine, Property, Sexual Misconduct, Workers’ Comp Carrier Status Admitted States Most States
Scrap Dealers
Amwins - 150+ Locations Worldwide
Coverages Auto Comm-Standard, Environmental Liab, GL, Pollution, Pollution Liab, Umbrella Carrier Status Admitted, Non-admitted States All States except HI, LA, MA
Security Guard Firms
AMIS/Alliance Marketing & Insurance Services LLC
Coverages E&O, Liability Carrier Status Non-admitted States All States
Brownyard Group
Coverages Assault & Battery, Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, Business Interruption, Care/Custody/Control, CGL, Commercial Excess, Crime, E&O, Excess Liab, Fidelity, Fidelity Bonds, GL, Inland Marine, Liability, Lost Key, Professional Liab, Property, Stop-Gap, Workers’ Comp Carrier Status Admitted States All States except NE
NeitClem Wholesale Insurance Brokerage Inc.
Coverages Assault & Battery, Equipment, GL, Liability, Professional Liab Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX
Philadelphia Insurance Companies
Coverages Abuse & Molestation, Assault & Battery, Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Boiler & Machinery, Business Income, Care/Custody/Control, CGL, Crime, D&O, E&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Inland Marine, Legal Expense Ins, Personal Liab, Personal Property, Professional Liab, Property, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA
Ryan Specialty National Programs
Coverages Auto Comm-Nonstandard, Crime, GL, Inland Marine, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
The Mechanic Group, a Div of Specialty Programs Group Coverages CGL, Commercial Excess, Contractors License Bonds, D&O, E&O, Liability, Umbrella, Workers’ Comp Carrier Status Non-admitted States All States
Self-Storage Facilities
Great American Insurance Group, Alternative Markets
Coverages Auto Comm-Standard, BOP, CGL, Inland Marine, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Coverages MEL, USL&H, Workers’ Comp States All States
Shooting Ranges
Joseph Chiarello & Co., Inc.; Firearms Business Ins.
Coverages CGL, Crime, Equipment Breakdown, Excess Liab, Firearms Liability, Liquor Liab, Medical Payments, Property, Umbrella Carrier Status Admitted States All States
Shopping Centers
Ascendant Insurance Solutions
Coverages Auto Comm-Standard, BOP, Builders Risk, GL, Property, Workers’ Comp Carrier Status Admitted States AL, AZ, CA, CO, CT, DC, FL, GA, IL, KY, LA, MA, MD, NC, NJ, NM, NV, NY, PA, SC, TN, TX, VA, VT, WY
Hinterland Insurance
Coverages CGL, Earthquake, GL, Property Carrier Status Non-admitted States All States except OK, TX
Philadelphia Insurance Companies
Coverages Commercial Auto, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Earthquake, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, Flood, GL, Identity Theft, Inland Marine, Property, Real & Business Personal Prop, Umbrella, Uninsured Motorists Carrier Status Admitted, Non-admitted States All States except LA
Preferred Concepts LLC
Coverages CGL, Umbrella Carrier Status Admitted States All States
The McGowan Companies
Coverages Commercial Excess, Excess Liab, Umbrella Carrier Status Admitted States All States
UCA General Insurance Services Inc.
Coverages Business Income, CGL, Cyber Liab, Equipment Breakdown, Fire Legal Liab, Hired & Non-owned Auto, Medical Payments, Property, Umbrella Carrier Status Nonadmitted States AZ, CA, ID, NV, OR, UT, WA
Shuttle Service-Non Emergency Medical
Exclusive Underwriting Managers
Coverages Abuse & Molestation, Auto Comm-Nonstandard Liability, Auto Comm-Nonstandard Phys Dmg, GL, Professional Liab States All States
JM Wilson
Coverages Auto Comm-Nonstandard, Auto CommNonstandard Phys Dmg, Auto Comm-Standard, Auto CommStandard Liability, Auto Comm-Standard Phys Dmg Carrier Status Admitted, Non-admitted States Most States
Shuttle Services
5Star Specialty Programs
Coverages Auto Comm-Nonstandard, Auto CommNonstandard Liability, Auto Comm-Nonstandard Phys Dmg, Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Excess Liab, GL, Workers’ Comp Carrier Status Admitted States All States
National Indemnity Company
Coverages Auto Comm-Nonstandard, Auto CommNonstandard Phys Dmg, Liability, Medical Payments, Uninsured Motorists Carrier Status Admitted, Non-admitted States All States except HI, MA, NJ, NY
Small to Mid-Sized Businesses
AMIS/Alliance Marketing & Insurance Services LLC
Coverages Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, BOP, Liability, Property, Workers’ Comp Carrier Status Admitted States All States
Applied Underwriters Inc.
Coverages Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, Compliance Mgmt, Cyber Liab, D&O, Int’l Coverage - Commercial, Pollution, Property, Warranties, Extended, Weather, Workers’ Comp Carrier Status Admitted States All States
Cowbell Cyber
Coverages Breach of Security, Business Income, Business Interruption, Cyber Liab States Most States
J.E. Brown & Associates
Coverages BOP, Earthquake, GL, Inland Marine, Workers’ Comp States AZ, CA, CO, NV, OR, TX, UT, WA
Landy Insurance Agency
Coverages BOP, Crime, Cyber Liab, D&O, E&O, EPLI, Professional Liab, Workers’ Comp Carrier Status Admitted States All States
Markel
Coverages WC - Master Policies/ASO, Workers’ Comp Carrier Status Admitted States All States except OH, WA, WY
ProWriters
Coverages BOP, E&O, GL Carrier Status Admitted States Most States
Roush Insurance Services Inc.
Coverages Addt’l Expense, Boiler & Machinery, Builders Risk, Business Income, Business Interruption, CGL, Commercial Excess, Crime, Cyber Liab, D&O, E&O, EPLI, Equipment Breakdown, Excess Liab, Fine Arts, Fire, Food Spoilage, GL, Hired & Non-owned Auto, Liability, Liquor Liab, Misc Professional Liab, Nonprofit D&O, Pollution Liab, Products Liab, Property, Real & Business Personal Prop, Technology E&O Carrier Status Non-admitted States IA, IL, IN, OH, WI
RPS Technology & Cyber
Coverages Bailee/Customer Goods, BOP, Breach of Security, Care/Custody/Control, Commercial Excess, Crime, Cyber Liab, D&O, E&O, EPLI, Fidelity Bonds, Fiduciary Liab, Foreign GL, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Liability, Media Liab, Misc Professional Liab, Products Liab, Professional Liab, Property, Umbrella Carrier Status Admitted States All States
Social Clubs
Distinguished Programs
Coverages Umbrella Carrier Status Admitted, Non-admitted States All States
Great American Ins. Group, Specialty Human Services
Coverages Abuse & Molestation, Auto Comm-Nonstandard, Blanket Addt’l Insureds, Business Income, CGL, Commercial Excess, Community/Social Svcs, Crime, Educator Legal Liab, Employee Benefits, Equipment Breakdown, Excess Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Inland Marine, Misc Professional Liab, Professional Liab, Umbrella Carrier Status Admitted States All except HI, LA, OK
Venture Insurance Programs
Coverages Auto Comm-Standard, Crime, GL, Inland Marine, Liquor Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States
Social Service Agencies
AllComp Solutions
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States
Care Providers Insurance Services
Coverages Abuse & Molestation, Auto Comm-Standard, Business Interruption, Crime, D&O, Equipment Breakdown, GL, Hired & Non-owned Auto, Liability, Participant Accident, Professional Liab, Property, Theft, Umbrella Carrier Status Admitted States All States
Charity First Insurance Services Inc.
Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, Boiler & Machinery, Business Income, CGL, Crime, Cyber Liab, EPLI, Equipment Breakdown, Int’l Coverage - Commercial, Liquor Liab, Nonprofit D&O, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States
Gateway Specialty Insurance
Coverages Abuse & Molestation, EPLI, GL, Nonprofit D&O, Professional Liab, Property, Umbrella Carrier Status
Admitted, Non-admitted States All States except AK, HI, LA
Great American Ins. Group, Specialty Human Services
Coverages Abuse & Molestation, Auto Comm-Nonstandard, Blanket Addt’l Insureds, Business Income, CGL, Commercial Excess, Community/Social Svcs, Crime, Educator Legal Liab, Employee Benefits, Equipment Breakdown, Excess Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Inland Marine, Misc Professional Liab, Professional Liab, Umbrella Carrier Status Admitted States All States except HI, LA, OK
Indemnity Excess & Surplus Agency Inc.
Coverages Abuse & Molestation, CGL, D&O, EPLI, Professional Liab, Property Carrier Status Admitted States AZ, CA, CO, ID, NV, OR, TX, WA
Irwin Siegel Agency (includes Youth Programs)
Coverages Abuse & Molestation, Accident & Health, Addiction Treatment, Auto Comm-Standard, Auto CommStandard Liability, Auto Comm-Standard Phys Dmg, Boiler & Machinery, BOP, Business Income, CGL, Community/Social Svcs, Crime, Cyber Liab, D&O, Developmental Disabilities, EPLI, Excess Liab, GL, Inland Marine, Managed Care, Professional Liability, Property, Umbrella Carrier Status Admitted, Non-admitted States All States
MiniCo Insurance Agency, a Jencap Company
Coverages Abuse & Molestation, Addiction Treatment, Auto Comm-Standard, Boiler & Machinery, Business Income, Business Interruption, CGL, Community/Social Svcs, D&O, E&O, EPLI, Fiduciary Liab, Fire Legal Liab, GL, Hired & Nonowned Auto, Inland Marine, Liability, Medical & Physical Rehab, Medical Malpractice, Medical Payments, Products Liab, Professional Liab, Umbrella, Workers’ Comp Carrier
Status Admitted, Non-admitted States All except HI, LA
Negley Associates
2025 Annual Program Directory, Summer Edition
Coverages CGL, Professional Liab Carrier Status Non-admitted States All States
Nonprofits Insurance Alliance
Coverages Abuse & Molestation, Auto Comm-Standard, Auto Comm-Standard Phys Dmg, Business Income, Business Interruption, CGL, Crime, Developmental Disabilities, EPLI, Fiduciary Liab, Fire Legal Liab, Hired & Non-owned Auto, Inland Marine, Liquor Liab, Mechanical Breakdown, Misc Professional Liab, Nonprofit D&O, Umbrella, Uninsured Motorists Carrier Status Non-admitted States Most States
Philadelphia Insurance Companies
Coverages Abuse & Molestation, Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Employee Benefits, EPLI, Fiduciary Liab, Fire Legal Liab, Food Spoilage, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Participant Accident, Professional Liab, Property, Real & Business Personal Prop, Sexual Misconduct, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA
RPS Signature Programs
Coverages Abuse & Molestation, Auto Comm-Standard, CGL, Cyber Liab, Employee Benefits, EPLI, Excess Liab, Hired & Non-owned Auto, Nonprofit D&O, Professional Liab, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Software Developers
Access E&S
Insurance Services
Coverages Excess Liab, Professional Liab
Carrier Status Non-admitted States AR, DC, DE, GA, IL, MD, NC, NJ, NY, OH, PA, SC, TN, TX, VA
AMIS/Alliance Marketing & Insurance Services LLC
Coverages Auto Comm-Nonstandard Phys Dmg, Auto CommStandard, BOP, Liability, Property, Workers’ Comp Carrier Status Admitted States All States
Philadelphia Insurance Companies
Coverages Cyber Liab, D&O, EPLI, GL, Identity Theft, Legal Expense Ins, Professional Liab, Technology E&O, Umbrella Carrier Status Admitted States All States except LA
RPS Technology & Cyber
Coverages BOP, Breach of Security, Business Income, Business Interruption, CGL, Combo Personal & Commercial, Completed Operations Liab, Crime, Cyber Liab, D&O, E&O, Employee Benefits, EPLI, Excess Liab, Fidelity, Fidelity Bonds, Fiduciary Liab, Hired & Non-owned Auto, Liability, Media Liab, Products Liab, Professional Liab, Property, Technology E&O, Umbrella Carrier Status Admitted States All States except DC
Special Events
Alive Risk
Coverages Accident & Health, CGL, Contingent Coverages, Event Cancellation, Excess Liab, Hired & Non-owned Auto, Inland Marine, Liquor Liab Carrier Status Admitted, Non-admitted States All States
American Specialty Insurance & Risk Services Inc. Coverages Auto Comm-Standard, CGL, Crime, Employee Benefits, Excess Liab, Liquor Liab, Participant Accident, Property Carrier Status Admitted States All States
Amwins - 150+ Locations Worldwide
Coverages Excess Liab, GL, Hired & Non-owned Auto, Liquor Liab, Umbrella Carrier Status Admitted, Non-admitted States All States
Ashley General Agency
Coverages GL, Trade Shows & Festivals
Carrier Status Non-admitted States TX BUA LLC
Coverages CGL, Event Cancellation, Weather
Carrier Status Non-admitted States All States
Gateway Specialty Insurance
Coverages GL, Liquor Liab Carrier Status Admitted, Non-admitted States Most States
Indemnity Excess & Surplus Agency Inc.
Coverages CGL, Liquor Liab Carrier Status Non-admitted States AZ, CA, CO, HI, ID, MT, NV, OR, TX, WA
Integrated Specialty Coverages (ISC)
Coverages Assault & Battery, Equipment Breakdown, GL, Liquor Liab, Property Carrier Status Non-admitted States All States
JM Wilson
Coverages Assault & Battery, Business Income, Crime, Cyber Liab, EPLI, Equipment Breakdown, Excess Liab, Flood, GL, Hired & Non-owned Auto, Inland Marine, Liquor Liab, Property, Sexual Misconduct, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except AK, HI, NY
K&K Insurance Group Inc.
Coverages Auto Comm-Standard, Crime, D&O, Excess Liab, GL, Inland Marine, Property Carrier Status Admitted States All States
NeitClem Wholesale Insurance Brokerage Inc.
Coverages GL, Property Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX
Number One Insurance Agency
Coverages GL, Liquor Liab Carrier Status Admitted States MA
Philadelphia Insurance Companies
Coverages Business Interruption, CGL, Fire Legal Liab, GL, Inland Marine, Liquor Liab, Participant Accident, Real & Business Personal Prop Carrier Status Admitted States All States except LA
TAPCO Underwriters Inc.
Coverages GL, Liquor Liab, Property Carrier Status Non-admitted States Most States
Substance Abuse Program Administrators
Addiction Treatment Providers Insurance Program
Coverages Abuse & Molestation, Auto Comm-Standard, Business Income, Cyber Liab, GL, Hired & Non-owned Auto, Liability, Medical Malpractice, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except NY
Philadelphia Insurance Companies
Coverages CGL, Property Carrier Status Admitted States All States except LA
Surgery Centers
Integrated Specialty Coverages (ISC)
Coverages Abuse & Molestation, Addt’l Expense, Employee Benefits, GL, Hired & Non-owned Auto, Medical Professional Carrier Status Non-admitted States All States
Pro-Praxis Insurance
Coverages E&O,
Tanning Salons
Insurtec Tanning and Spa Insurance Coverages Addt’l Expense, BOP, Business Income, CGL, Crime, EPLI, Equipment Breakdown, Fire Legal Liab, Hired & Non-owned Auto, Professional Liab, Property, Tanning Liab Carrier Status Non-admitted States All States
Professional Program Ins. Brokerage (PPIB), a Div of SPG Coverages Abuse & Molestation, Blanket Addt’l Insureds, CGL, Commercial Excess, Cyber Liab, E&O, Equipment Breakdown, Excess Liab, GL, Inland Marine, Liability, Media Liab, Misc Professional Liab, Products Liab, Professional Liab, Property, Sexual Misconduct, Tanning Liability Carrier Status Non-admitted States All States
Universal Insurance Programs
Coverages Abuse & Molestation, Business Income, Business Interruption, CGL, Crime, E&O, Employee Benefits, EPLI, Equipment Breakdown, Excess Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Liability, Products Liab, Professional Liab, Property, Real & Business Personal Prop, Stop-Gap, Theft, Umbrella Carrier Status Admitted States All States
Professional Program Ins. Brokerage (PPIB), a Div of SPG Coverages Abuse & Molestation, Blanket Addt’l Insureds, CGL, Cyber Liab, Equipment Breakdown, Excess Liab, Inland Marine, Liability, Media Liab, Products Liab, Professional Liab, Property, Sexual Misconduct, Teachers Liab Carrier Status Non-admitted States All States
REInsurePro
Coverages Abuse & Molestation, Assault & Battery, Business Income, Business Interruption,
Tattoo Parlors/Permanent Makeup/Body Piercing
2025 Annual Program Directory, Summer Edition
Tax Preparers & Bookkeepers
Balance Partners - Maven
Coverages CGL, E&O, Excess Liab, Professional Liab Carrier Status Non-admitted States All States
Landy Insurance Agency
Coverages BOP, Crime, Cyber Liab, E&O, EPLI, Professional Liab, Workers’ Comp Carrier Status Admitted States All States except AK, LA
Norman-Spencer International Inc.
Coverages E&O, Professional Liab Carrier Status Admitted States All States
Professional Underwriters Agency (PUA)
Coverages E&O, Professional Liab Carrier Status Admitted, Non-admitted States All States
Quirk & Company
Coverages Cyber Liab, GL, Professional Liab, Property Carrier Status Non-admitted States AL, AR, AZ, LA, MO, ND, NM, OK, TN, TX, WA, WY
Target Professional Programs
Coverages E&O, Professional Liab Carrier Status Admitted States All States except AK, HI, LA
U.S. E&O Brokers, a Division of U.S. Risk, LLC
Coverages BOP, Crime, Cyber Liab, Professional Liab Status Admitted, Non-admitted States Most States
Temporary Medical Staffing
Pro-Praxis Insurance
Coverages E&O, Professional Liab Carrier Status Admitted States All States
RPS Healthcare
Coverages GL, Hired & Non-owned Auto, Medical Professional Carrier Status Admitted, Non-admitted States All States
Ryan Specialty National Programs
Coverages Abuse & Molestation, Blanket Addt’l Insureds, Blanket Waivers, Care/Custody/Control, Crime, Employee Benefits, EPLI, Excess Liab, GL, Hired & Non-owned Auto, Professional Liab, Property, Stop-Gap, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Staffing Lines
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States
World Wide Specialty, a Div of Philadelphia Ins. Co’s Coverages Abusive Acts, Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, Care/Custody/Control, Crime, Cyber Liab, D&O, E&O, Employee Benefits, EPLI, Fidelity, Fidelity Bonds, GL, Hired & Non-owned Auto, Misc Professional Liab, Professional Liab, Property, Technology E&O, Umbrella, Workers’ Comp Carrier Status Admitted States All States
Temporary Staffing Firms
Cooper & McCloskey Inc.
Coverages CGL, Crime, E&O, EPLI Carrier Status Admitted, Non-admitted States AK, AZ, CA, CO, GA, HI, IL, NV, NY, OR, TN, TX, UT, WA
Philadelphia Insurance Companies
Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Boiler & Machinery, Business Income, Care/Custody/Control, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Legal Expense Ins, Personal Property, Professional Liab, Protection & Indemnity (P&I), Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA
RPS Signature Programs
Coverages Crime, Cyber Liab, EPLI, GL, Hired & Non-owned Auto, Personal Liab, Property, Umbrella, Workers’ Comp States All States
RPS Technology & Cyber
Coverages BOP, Breach of Security, Business Income, Business Interruption, CGL, Combo Personal & Commercial, Completed Operations Liab, Crime, Cyber Liab, D&O, E&O, Employee Benefits, EPLI, Excess Liab, Fidelity, Fidelity Bonds, Fiduciary Liab, Hired & Non-owned Auto, Liability, Media Liab, Products Liab, Professional Liab, Property, Technology E&O, Umbrella Carrier Status Admitted States All States except DC
Ryan Specialty National Programs
Coverages Abuse & Molestation, Blanket Addt’l Insureds, Blanket Waivers, Care/Custody/Control, Crime, Employee Benefits, EPLI, Excess Liab, GL, Hired & Non-owned Auto, Professional Liab, Property, Stop-Gap, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Staffing Lines
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States
World Wide Specialty, a Div of Philadelphia Ins. Co’s Coverages Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, Care/Custody/Control, Crime, Cyber Liab, D&O, E&O, Employee Benefits, EPLI, Fidelity, Fidelity Bonds, GL, Hired & Non-owned Auto, Misc Professional Liab, Professional Liab, Property, Technology E&O, Umbrella, Workers’ Comp Carrier Status Admitted States All States
Theatre Production Companies
Alive Risk
Coverages Accident & Health, Accidental Death, CGL, Contingent Coverages, Event Cancellation, Excess Liab, GL, Hired & Non-owned Auto, Inland Marine, Liquor Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Great American Ins. Group, Specialty Human Services
Coverages Abuse & Molestation, Auto Comm-Nonstandard, Blanket Addt’l Insureds, Business Income, CGL, Commercial Excess, Community/Social Svcs, Crime, Educator Legal Liab, Employee Benefits, Equipment Breakdown, Excess Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Inland Marine, Misc Professional Liab, Professional Liability, Umbrella Carrier Status Admitted States All States except HI, LA, OK
Title Agents
Johnson & Johnson
Coverages Crime, Cyber Liab, E&O, EPLI, Fidelity Bonds, Kidnap/Ransom, Professional Liab Carrier Status Non-admitted States All States
Landy Insurance Agency
Coverages BOP, Crime, Cyber Liab, D&O, E&O, EPLI, Professional Liab, Workers’ Comp Carrier Status Admitted States All States
Professional Insurance Concepts
Coverages E&O, Professional Liab Carrier Status Admitted States All States
Coverages Auto Comm-Nonstandard, Auto CommNonstandard Liability, Auto Comm-Nonstandard Phys Dmg, Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Excess Liab, GL, Workers’ Comp Carrier Status Admitted States All States
Tow Truck Firms
AllComp Solutions
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States
Arrowhead General Insurance Agency Inc.
Coverages Auto Comm-Standard Liability, Business Income, Business Interruption, Crime, Equipment, Equipment
Breakdown, Garage Keepers Legal Liab, GL, Inland Marine, Pollution, Property Carrier Status Admitted States All States except DC, FL, LA, TX
JM Wilson
Coverages Excess Liab, GL, Hired & Non-owned Auto, Inland Marine, Non-Trucking Auto Liab, Physical Damage, Pollution Liab, Umbrella Carrier Status Admitted States Most States
KBK Insurance Group Inc.
Coverages Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, Garage Keepers Legal Liab, GL, On-Hook Cargo, Property, Umbrella Carrier Status Admitted States All States except AK, HI, MA, NY
Lancer Insurance Company
Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg Carrier Status Admitted States CT, NJ, NY, OH, PA
National Indemnity Company
Coverages Auto Comm-Nonstandard, Auto CommNonstandard Phys Dmg, Garage Keepers Legal Liab, Medical Payments, Motor Truck Cargo, Uninsured Motorists
Carrier Status Admitted, Non-admitted
States All States except HI, MA, NJ, NY
Omaha National Coverages Workers’ Comp Carrier Status Admitted States Most States
Trap & Skeet Shooting Clubs
Joseph Chiarello & Co. ; Firearms Business Insurance
Coverages Auto Comm-Standard, Boiler & Machinery, Business Income, CGL, Equipment Breakdown, Firearms Liability, Liquor Liab, Property Carrier Status Admitted States All States
Philadelphia Insurance Companies
Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Legal Expense Ins, Participant Accident, Personal Property, Professional Liab, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA
Travel Agents & Tour Operators
Integrated Specialty Coverages (ISC)
Coverages E&O, Professional Liab Carrier Status Non-admitted States All States
Mexico Insurance Online
Coverages Auto Pers-Nonstandard, Auto Pers-Standard, Boats, Emergency Towing & Service, Homeowners Pkg, Int’l Coverage - Personal, Liability, Physical Damage, Watercraft Liab States All States
Professional Underwriters Agency (PUA)
Coverages E&O, Professional Liab Carrier Status Admitted, Non-admitted States All States
Truck Dealers - Franchised
Ryan Specialty National Programs
Coverages Dealers Open Lot, E&O, Garage Liability, GL, Physical Damage, Property Carrier Status Non-admitted States Most States
Target Managers Insurance Services
Coverages EPLI, Workers’ Comp Carrier Status Admitted States AK, AL, AR, AZ, CA, CO, FL, GA, IL, IN, LA, MN, MS, NE, NJ, NM, NV, OK, OR, TN, TX, UT, WA, WI
Truckers/Trucking Firms
5Star Specialty Programs
Coverages Auto Comm-Standard Liability, Auto Comm-
Standard Phys Dmg, Cargo, Non-Trucking Auto Liab, Occupational Accident, Physical Damage, Workers’ Comp Carrier Status Admitted States All States except AK, HI, MA
Applied Underwriters Inc.
Coverages Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, Workers’ Comp Carrier Status Admitted States All States
Builders & Tradesmen’s Insurance Services Inc. (BTIS)
Coverages GL, Workers’ Comp States All States except AK, DC, HI, NY
Exclusive Underwriting Managers
Coverages Auto Comm-Nonstandard Phys Dmg, Motor Truck Cargo States All States
Freberg Environmental Inc.
Coverages Auto Comm-Nonstandard, Auto CommNonstandard Phys Dmg, CGL, GL, Hired & Non-owned Auto, Pollution, Pollution Liab, Transportation Pollution Liab, Uninsured Motorists Carrier Status Admitted States All States except AK, FL, MA, NJ, NY
Guardian Insurance Wholesalers Inc.
Coverages Cargo, GL, Liability, Long Haul, Non-Trucking Auto Liab, Occupational Accident, Physical Damage, Truck Auto Liab, Umbrella Carrier Status Admitted, Non-admitted States All States except DC
Integrated Specialty Coverages (ISC)
Coverages Commercial Excess, Excess Liab
Carrier Status Admitted States All States except AK, HI
Interline Insurance Services
Coverages Auto Comm-Standard Phys Dmg, Cargo, Truck
Auto Liab Carrier Status Admitted
States AZ, CA, NV, OR, WA
International Transportation & Marine Agency Inc.
Coverages Cargo, GL, Physical Damage
Carrier Status Admitted, Non-admitted States All States
Ironwood Brokers & Insurance Marketing
Coverages GL, Liability, Workers’ Comp States Most States
Lancer Insurance Company
Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg
Carrier Status Admitted States CT, NJ, NY, OH, PA
Truckers/Trucking Firms (continued)
Legacy Employer Concepts LLC
Coverages EPLI, WC - Master Policies/ASO, Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States
MacAfee & Edwards Inc. - Mexican Insurance Specialist
Coverages Foreign GL, Int’l Coverage - Commercial, Int’l Coverage - Personal Carrier Status Admitted, Non-admitted States All States
MAXIMUM
Coverages Auto Comm-Nonstandard, Auto CommNonstandard Phys Dmg, Cargo, Contractors Equip, Dealers Open Lot, GL, Hired & Non-owned Auto, Non-Trucking Auto Liab, Physical Damage, Transportation Pollution Liab, Truck Auto Liab, Umbrella Carrier Status Non-admitted States All States
MexiPass International Insurance Services LLC
Coverages Int’l Coverage - Commercial, Int’l CoveragePersonal States All States
Mover’s Choice Insurance
Coverages Cargo, CGL, Property, Truck Auto Liab Carrier Status Admitted States All States
PEO Brokers Group
Coverages WC - Master Policies/ASO, Workers’ Comp, Workers’ Comp Plus (Alternative) States All States
RPS Signature Programs
Coverages Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, Motor Truck Cargo States All States
South & Western General Agency Inc.
Coverages Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, Cargo, GL, Long Haul Carrier Admitted, Non-admitted States AR, MS, OK, TN, TX
StateFund First, a Div of Arthur J Gallagher & Co.
Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States CA
Union General Insurance Services Inc.
Coverages Blanket Addt’l Insureds, Cargo, CGL, GL, Long Haul, Truck Auto Liab, Uninsured Motorists Carrier Status Admitted, Non-admitted States AZ, CA, NM, NV, OR, TX
Used Car Dealers
Amwins - 150+ Locations Worldwide
Coverages Crime, Cyber Liab, Dealers Open Lot, Garage Liability, Pollution, Property States All States except MA, NY
KBK Insurance Group Inc.
Coverages Dealers Open Lot, Garage Keepers Legal Liab, Garage Liability, On-Hook Cargo, Property, Umbrella Carrier Status Admitted States All States except AK, HI, MA, NY
Lancer Insurance Company
Coverages Dealers Open Lot, Garage Keepers Legal Liab, Garage Liability Carrier Status Admitted States NY
Lancer Insurance Company
Coverages Dealer and Transporter Plates Carrier Status Admitted States CT, NY, OH, PA
National Indemnity Company
Coverages Dealers Open Lot, Garage Keepers Legal Liab, Garage Liability, GKLL, Medical Payments, Uninsured Motorists Carrier Status Admitted, Non-admitted States All States except HI, MA, NJ, NY
Union General Insurance Services Inc.
Coverages CGL, E&O, Garage Keepers Legal Liab, Garage Liability, GKLL, GL, Products Liab, Professional Liab, Property, Uninsured Motorists Carrier Status Non-admitted States AZ, CA, NM, NV, OR, TX
Walter General Agency (WGA)
Coverages Dealers Open Lot, Excess Liab, Garage Keepers Legal Liab, Garage Liability, GKLL, Medical Payments, Property, Umbrella, Uninsured Boaters, Uninsured Motorists Carrier Status Non-admitted States AR, IL, MO, OK
Wholesure
Coverages Dealers Open Lot, Fire Legal Liab, Garage Keepers Legal Liab, Garage Liability, GL, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except AK, CA, HI, NY, RI
Utilities-Natural Gas Companies
Amwins - 150+ Locations Worldwide
Coverages Auto Comm-Standard, Boiler & Machinery, GL, Inland Marine, Property, Public Officials, Railroad Protective Liab, Umbrella Carrier Status Admitted States All States
2025 Annual Program Directory, Summer Edition
Valet Parking Companies
McLeckie Insurance Group
Coverages Garage Keepers Legal Liab, Legal Liab Carrier Status Non-admitted States All States
Vendor Management Services
Proctor Loan Protector
Coverages Blanket Forced Placed, E&O, Excess Flood, Flood, Force Place Fire Cvrg, Foreclosed Properties, High Valued Homes, Mobile Home Ins, Mortgage Impairment, Mortgage REO Cvrg, Rented Property, Residential Property Carrier Status Non-admitted States All States
World Wide Specialty, a Div of Philadelphia Ins. Co’s Coverages Abusive Acts, Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, Care/Custody/Control, Crime, Cyber Liab, D&O, E&O, Employee Benefits, EPLI, Fidelity, Fidelity Bonds, GL, Hired & Non-owned Auto, Misc Professional Liab, Professional Liab, Property, Technology E&O, Umbrella, Workers’ Comp Carrier Status Admitted States All States
Veterinarians
Markel
Coverages Workers’ Comp Carrier Status Admitted States All States
Vineyards
Agricultural Insurance Mgmt Services
Coverages CGL, Products Liab, Property Carrier Status Admitted States Most States
Winery Pak Insurance Programs
Coverages Auto Comm-Standard, Combo Personal & Commercial, Contractors Equip, Equipment Breakdown, Herbicide & Pesticide, Liability, Personal Liab, Pollution Liab, Property, Umbrella Carrier Status Admitted States All States
XPT Specialty
Coverages CGL, Herbicide & Pesticide, High Valued Homes, Inland Marine, Personal Liab, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States
Vitamin/Health Food Suppliers
CRC Insurance Services
Coverages CGL, EPLI, Products Liab
Carrier Status Non-admitted States All States
Great American Insurance Group, Alternative Markets
Coverages Auto Comm-Standard, BOP, CGL, Inland Marine, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
NeitClem Wholesale Insurance Brokerage Inc.
Coverages Completed Operations Liab, Foreign GL, GL, Liability, Product Extended Warranty, Products Liab Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX
Warehouse Operators
Gorst & Compass Insurance
Coverages BOP, Business Income Carrier Status Non-admitted States CA
Waste Haulers
Amwins - 150+ Locations Worldwide
Coverages Auto Comm-Standard, Environmental Liab, GL, Pollution, Umbrella States All except DC, HI, MD, NJ, VA
Beacon Hill Associates
Coverages CGL, E&O, Environmental Liab, Pollution, Pollution Liab, Transportation Pollution Liab, Workers’ Comp States All States
Coverages Auto Comm-Standard, GL, Pollution, Pollution Liab, Workers’ Comp Carrier Status Non-admitted States All States
Omaha National
Coverages Workers’ Comp Carrier Status Admitted States Most States
Water Parks
Alive Risk
Coverages Accident & Health, CGL, Excess Liab, Hired & Nonowned Auto, Inland Marine, Liquor Liab, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Roosevelt Road Specialty
Coverages Excess Liab, GL Carrier Status Admitted States All States
Water Well Drilling Operation Co’s
Amwins - 150+ Locations Worldwide
Coverages Auto Comm-Standard, GL, Inland Marine, Property, Umbrella Carrier Status Admitted
States All States except AR, CO, LA, OR, SC
Western Surplus Lines Agency Inc.
Coverages CGL, Control of Well, Inland Marine
Carrier Status Non-admitted States LA, ND, NM, OK, TX
Water/Wastewater Facilities
Beacon Hill Associates
Coverages CGL, E&O, Environmental Liab, Pollution, Pollution Liab, Transportation Pollution Liab, Workers’ Comp States All States
Freberg Environmental Inc.
Coverages CGL, Environmental Liab, Excess Liab, GL, Pollution, Pollution Liab, Transportation Pollution Liab Carrier Status Non-admitted States All States
Grundy Insurance
Coverages Auto Comm-Standard, CGL, Crime, D&O, E&O, EPLI, Equipment Breakdown, Excess Liab, Property, Public Officials Carrier Status Admitted States All States except DC, HI, LA
Coverages Pollution, Pollution Liab Carrier Status Non-admitted States All States
Philadelphia Insurance Companies
Coverages Auto Comm-Standard, CGL, EPLI, Property, Public Officials Carrier Status Admitted States All States except LA
US Assure
Coverages Builders Risk, COC, Earthquake, Fire, Flood, Hail, Hurricane, Installation Floaters, Theft, Weather, Wind Carrier Status Admitted States All States
(1-100+ Units)
Our underwriters have long-standing relationships with “A” rated carriers and have the expertise and coverage you can depend on.
• Filings made promptly
• Risk management/Claims services
• Direct bill/Agency bill options
• Liability up to $1M CSL
• Pollution coverage available CA 9948
• Hired auto physical damage available
• Combined deductibles available on physical damage and cargo
Contact us to learn more. hello@jmwilson.com (800) 666-5692
2025 Annual Program Directory, Summer Edition
Weddings
Integrated Specialty Coverages (ISC)
Coverages Equipment Breakdown, GL, Hired & Non-owned Auto, Liquor Liab, Property Carrier Status Non-admitted States All States
Markel Personal Lines
Coverages Event Cancellation, Liability, Property Carrier Status Admitted States All States
Philadelphia Insurance Companies
Coverages CGL, Property Carrier Status Admitted States All States except LA
Wildlife Control
Brownyard Group
Coverages Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, Care/Custody/Control, CGL, Commercial Excess, Completed Operations Liab, Crime, E&O, Environmental Liab, Equipment Breakdown, Fidelity, Fidelity Bonds, Fire Legal Liab, GL, Herbicide & Pesticide, Inland Marine, Liability, Lost Key, Medical Payments, Pollution Liab, Products Liability, Professional Liability, Property Carrier Status Admitted States All States except LA
Wineries
Great American Insurance Group, Alternative Markets
Coverages Auto Comm-Standard, BOP, CGL, Inland Marine, Property, Umbrella, Workers’ Compensation Carrier Status Admitted, Non-admitted States All States
Markel
Coverages Workers’ Comp Carrier Status Admitted States All States
Signature Specialty, LP
Coverages GL, Inland Marine, Liquor Liab, Products Liab, Property Carrier Status Non-admitted States All States
Winery Pak Insurance Programs
Coverages Auto Comm-Standard, Bailee/Customer Goods, Blanket Addt’l Insureds, Business Income, Cargo, Commercial Excess, Cyber Liab, Equipment Breakdown, Excess Liab, Inland Marine, Liability, Liquor Liab, Property Carrier Status Admitted States All except FL, LA, MS, OK
Wood Workers
Continental Underwriters
Coverages BOP, Builders Risk, Business Income, Business Interruption, Combo Personal & Commercial, Commercial Excess, Commercial Marine, Contractors Equip, Crime, Equipment Breakdown, Excess Liab, Flood, GL, Inland Marine, Int’l Coverage - Commercial, Int’l CoveragePersonal, Personal Liab, Property, Stop-Gap, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States
Keith D. Peterson & Company Inc
Coverages Auto Comm-Standard, Boiler & Machinery, Builders Risk, CGL, Crime, D&O, EPLI, Equipment Breakdown, Inland Marine, Motor Truck Cargo, Property, Umbrella, Workers' Comp Carrier Status Admitted, Non-admitted States All States
Omaha National Coverages Workers’ Comp Carrier Status Admitted States Most States
Yacht Clubs
Marine Underwriters of America
Coverages Boats, Excess Liab, GL, Hired & Non-owned Auto, Hull, Liquor Liab, Marina Operators Legal, Piers & Docks, Protection & Indemnity (P&I), Real & Business Personal Prop, Ship Repairers Legal, Watercraft Liab Carrier Status Admitted States All States
Markel Personal Lines
Coverages Boats, Commercial Marine, Hull, Pollution Liab, Watercraft Liab Carrier Status Admitted States All States
Yachts/Mega Yachts
Bass Underwriters
Coverages Hull, Protection & Indemnity (P&I)
Carrier Status Admitted, Non-admitted States Most States
Markel Personal Lines
Coverages Hull, Liability, Medical Payments, Pollution Liab, Uninsured Boaters, Watercraft Liab Carrier Status Admitted States All States
Sun Coast General Insurance Agency
Coverages Boats, Commercial Marine, Hull, Liability, Piers & Docks, Ship Repairers Legal, Uninsured Boaters, Watercraft Liab, Wet Marine Carrier Status Admitted, Non-admitted States AK, AZ, CA, FL, NV, OR, UT, WA
Carrier Status Admitted, Non-admitted States All States
Builders & Tradesmen’s Insurance Services Inc. (BTIS)
Coverages E&O, GL Carrier Status Admitted States All States except AK
Gateway Specialty Insurance
Coverages Abuse & Molestation, EPLI, GL, Nonprofit D&O, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States except AK, HI, LA
Philadelphia Insurance Companies
Coverages Abuse & Molestation, Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Boiler & Machinery, CGL, D&O, Employee Benefits, EPLI, Fiduciary Liab, Fire Legal Liab, GL, Identity Theft, Inland Marine, Participant Accident, Property, Real & Business Personal Prop, Sexual Misconduct, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA RPS Signature Programs
Coverages Abuse & Molestation, Blanket Addt’l Insureds, Crime, D&O, EPLI, Equipment, Excess Liab, GL, Hired & Nonowned Auto, Property, Student Accident States All States
Sadler Insurance, Div. of Specialty Program Group
Coverages Abuse & Molestation, CGL, Crime, EPLI, Equipment, Excess Liab, Hired & Non-owned Auto, Nonprofit D&O, Participant Accident Carrier Status Admitted States All States
Sports & Wellness Insurance
Coverages Abuse & Molestation, Accident & Health, Crime, Cyber Liab, D&O, GL, Hired & Non-owned Auto, Inland Marine, Property, Umbrella Carrier Status Admitted, Non-admitted States All States
AIMS exist to equip retail insurance brokers with the resources they need to place farm risks effectively. By partnering with trusted carriers, we offer extensive coverage options that safeguard the homes, businesses, and operational assets that sustain American agriculture.
CAIS is an MGA and Program Administrator specializing in protecting Homeowners' Associations (HOAs), Townhomes, and both residential and commercial Condominiums (Condos) & Planned Unit Developments (PUDs). Our online program includes coverage for both non-payroll accounts and payroll accounts. Coverage for volunteers, board and committee members included.
Distinguished Programs is a leading national insurance Program Manager providing specialized insurance programs to brokers and agents with specific expertise in Real Estate, Community Associations, Hotels, and Restaurants. Through thoughtful innovation, stemming back to 1995, Distinguished Programs fosters growth and opportunities for its brokers, carriers, and employees.
Irwin Siegel Agency (ISA) is the premier program administrator. Our trusted advisors partner with brokers to provide property and casualty insurance, risk management, and claims services to Human and Social Service Providers. Our exceptional programs written with A+ rated carriers offer some of the broadest coverages available.
JM Wilson is a third generation, family owned MGA and Surplus Lines Broker founded in 1920. We provide independent insurance agents access to ‘A’ rated carriers for Commercial Transportation, Property & Casualty, Brokerage, Marine, Personal Lines and Surety. We know insurance agents have choices and it’s our goal to establish relationships and provide the best possible experience for our agents to place business in the E&S marketplace.
Johnson & Johnson PO Box 899, Charleston, SC 29402
Place your nonprofit clients with an insurer who understands nonprofit risks, provides fair and equitable pricing, and has a vested interest in helping you achieve your goals. NIA offers you ease of doing business, competitive commissions, and a 94% renewal rate.
Omaha National is a premier provider of workers compensation insurance offering coverage for labor intensive risks with competitive rates and commissions. Coverage offered through Omaha National Insurance Company, Omana National Casualty Company, Palomar Specialty Insurance Company, and/or Preferred Professional Insurance Company.
Philadelphia Insurance Companies, a Member of the Tokio Marine Group, designs, markets, and underwrites commercial property/casualty and professional liability insurance products incorporating value added coverages and services for select industries.
Pro-Praxis Insurance
321 Old Slip, 5th Fl, New York, NY 10005 Phone: (212) 401-1561, Fax: (212) 401-1548
A leading provider of lender-placed insurance for over 45 years, Proctor Loan Protector provides smart insurance solutions coupled with compliant, technology-driven hazard tracking tools for mortgage servicers, subservicers, banks, credit unions, distressed asset investors, and other financial institutions. Proctor’s programs mitigate risk and enhance the borrower experience.
Unique risks? New niches? Never been done before? That’s our specialty. We help provide your clients with specialized coverage from trusted carriers, so you can move on with confidence.
We have functioned as a program manager providing contractor insurance products to retail brokers and wholesalers since 2004. Rate, quote and bind online. Easily register as a producer today on our website for full program access. We specialize in General Liability, Excess Liability, Inland Marine and Workers' Compensation.
Signature Specialty, LP
261 N. University Dr., Ste. 510, Plantation, FL 33324
Phone: (416) 413-1167
info@sigspecialty.com www.sigspecialty.com
South & Western General Agency, Inc. PO Box 9015, Addison, TX 75001
Sovereign Group Int’l, Inc. 1600 Jersey Ave., Ste. 5, North Brunswick, NJ 08902 Phone: (732) 750-2300, Fax: (732) 750-1650 bill@sovereignins.com www.sovereignins.com
Specialty Wholesale Insurance Solution (SWIS), a Div of SPG 5 Bryant Park, 3rd Floor, New York, NY 10018 Phone: (866) 607-8370, Fax: (212) 338-2910 COBrien@spgswis.com www.spgswis.com
Sports & Wellness Insurance
555 E. North Ln, Ste. 6060, Conshohocken, PA 19428 Phone: (610) 808-9599 nsmmarketing@nsminc.com nsmsportsinsurance.com
Staffing Lines
555 E. North Ln, Ste. 6060, Conshohocken, PA 19428 Phone: (610) 808-9586, Fax: (610) 941-9889 nsmmarketing@nsminc.com info.staffinglines.com
Starfish Specialty Insurance 3516 West 8th Place, Anacortes, WA 98221 Phone: (720) 250-6711 jdeyoung@starfishspecialty.com starfishspecialty.com
StateFund First, a Div of Arthur J Gallagher & Co. Insurance Brokers of CA, Inc. 2121 N. California Blvd., Ste. 350 Walnut Creek, CA 94596 Phone: (855) 784-4433 erica_bro@statefundfirst.com www.statefundfirst.com
Sun Coast General Insurance Agency PO Box 30750, Laguna Hills, CA 92654 Phone: (800) 300-8838, Fax: (949) 768-4045 jyeskin@suncoastinsurance.com www.SunCoastInsurance.com
2025 Annual Program Directory, Summer Edition – Alphabetical Directory of Markets
AEU is a program administrator for a group selfinsurance fund authorized by the U.S. Department of Labor to provide USL&H coverage for the liabilities of its members, which are waterfront employers of all sizes. AEU can also provide State Act workers’ compensation and MEL coverage.
McGowan Program Administrators (MPA) is America’s leading writer of innovative insurance programs. MPA is a Managing General Underwriter and Program Manager. MPA designs, administers and markets highly-specialized programs of insurance. These programs are available exclusively through MPA.
The Mechanic Group, a Division of Specialty Programs Group, LLC
One Blue Hill Plaza, Ste. 530, Pearl River, NY 10965 Phone: (845) 735-0700, Fax: (845) 735-8383 mkatz@mechanicgroup.com www.mechanicgroup.com
Insurance Programs, Brokerage and Risk Management for the Security Officer, Electronic Security-Alarm, Investigation and Background Screening Industries.
U.S. Brokers Network, a Div. of U.S. Risk, LLC 14241 Dallas Pkwy, Ste. 850, Dallas, TX 75254 Phone: (719) 309-1051 submissions@usbrokersnetwork.com www.usbrokersnetwork.com
U.S. E&O Brokers, a Division of U.S. Risk, LLC 9811 Katy Fwy, Ste. 625, Houston, TX 77024 Phone: (800) 460-6424 angela@useo.com www.useo.com
UCA General Insurance Services Inc. 6363 Katella Ave., Cypress, CA 90630 Phone: (800) 222-5582, Fax: (714) 228-7855 bcolburn@ucageneral.com www.ucageneral.com
UCA General Insurance Services Inc. 6363 Katella Ave., Cypress, CA 90630 Phone: (800) 222-5582, Fax: (714) 228-7855 bcolburn@ucageneral.com www.ucageneral.com
Union General Insurance Services, Inc. 1390 Willow Pass Rd., Ste. 1050, Concord, CA 94520 Phone: (925) 671-2128, Fax: (925) 671-0171 MatthewM@UnionGeneral.com UnionGeneralinsurance.com
6. Content Strategy. Develop a content calendar and outline key messaging for your audience segments. Craft educational materials that address client concerns throughout the buying journey—from overall awareness to consideration, decision-making, and post-purchase support.
7. Technology Integration. Use Customer Relationship Management (CRM) systems, marketing automation, data analytics, and mobile-friendly experiences to enhance the effectiveness of your plan. Prioritize integration between your marketing and sales technologies to create a seamless flow of information that enables personalized follow-up and accurate attribution of marketing efforts to policy sales.
8. Budget Allocation. Strategically distribute resources between acquisition and retention efforts, with flexibility for testing new approaches and making seasonal adjustments. Consider implementing a 70/20/10 budgeting model—allocating 70% to proven marketing tactics, 20% to scaling promising initiatives from previous quarters, and 10% to experimental approaches that could become competitive advantages.
9. Implementation Timeline. Create a realistic schedule that accounts for seasonal insurance buying patterns, approval
June 2, 2025
Incline National Insurance Company 5248 Olympic Blvd. Los Angeles, CA 90036-4959
The above company has made application to the Division of Insurance to obtain a Foreign Company License to transact Property and Casualty Insurance in the Commonwealth of Massachusetts.
Any person having any information regarding the company which relates to its suitability for the license or authority the applicant has requested is asked to notify the Division by personal letter to the Commissioner of Insurance, 1000 Washington Street, Suite 810, Boston, MA 021186200, Attn: Financial Surveillance and Company Licensing within 14 days of the date of this notice.
timelines for marketing materials, resource availability, and integration with other business initiatives. Build in regular checkpoint reviews to assess progress, identify early wins or challenges, and make necessary adjustments.
10. Performance Metrics. Establish Key Performance Indicators (KPIs) that include lead generation, conversion rates, acquisition costs, retention rates, brand awareness measurements, and engagement metrics. Utilize analytics tracking to monitor the numbers and reallocate resources based on the results.
June 2, 2025
Developers Surety Indemnity Company 7801 Folsom Boulevard, #202 Sacramento, CA 95826
The above company has made application to the Division of Insurance to amend their Foreign Company License to transact Property and Casualty Insurance in the Commonwealth of Massachusetts.
Any person having any information regarding the company which relates to its suitability for the license or authority the applicant has requested is asked to notify the Division by personal letter to the Commissioner of Insurance, 1000 Washington Street, Suite 810, Boston, MA 021186200, Attn: Financial Surveillance and Company Licensing within 14 days of the date of this notice.
June 2, 2025
Plateau Insurance Company 2701 N.Main Street Crossville, TN 38555
The above company has made application to the Division of Insurance to obtain a Foreign Company License to transact Life, Accident, and Health Insurance and Variable Life or Variable Annuities in the Commonwealth of Massachusetts.
Any person having any information regarding the company which relates to its suitability for the license or authority the applicant has requested is asked to notify the Division by personal letter to the Commissioner of Insurance, 1000 Washington Street, Suite 810, Boston, MA 021186200, Attn: Financial Surveillance and Company Licensing within 14 days of the date of this notice.
Continuous Improvement
Remember your marketing strategy isn’t a static document—it should evolve continuously as you gather performance insights, respond to market shifts, and refine your understanding of client needs.
Nevins is the founder and co-CEO of Direct Connection Advertising & Marketing. She manages the company and is heavily involved in strategy and planning for the agency’s clients. Website: directconnectionusa.com.
June 2, 2025
Independence Pet Insurance Company 1209 Orange Street Wilmington, DE 19801
The above company has made application to the Division of Insurance to obtain a Foreign Company License to transact Property and Casualty Insurance in the Commonwealth of Massachusetts.
Any person having any information regarding the company which relates to its suitability for the license or authority the applicant has requested is asked to notify the Division by personal letter to the Commissioner of Insurance, 1000 Washington Street, Suite 810, Boston, MA 021186200, Attn: Financial Surveillance and Company Licensing within 14 days of the date of this notice.
How to Keep Third-Party Events from Becoming First-Party Losses
By Gavin Reed
Vendor-related risks, whether from technology suppliers or non-technology partners, have always been a concern and often drive a large number of cyber insurance claims notifications. Vendor risks have traditionally come in the form of data breaches, but increasingly, ransomware attacks and outages are driving more severe first-party losses. Supply-chain attacks are not the only risk involving vendors. Vendor risk also shows up in outages of critical technology suppliers resulting from non-malicious system failures.
For example, a 2024 ransomware attack on software supplier CDK Global disrupted thousands of automotive businesses, costing them an estimated $1 billion, with $25 million going to the attacker. A similar attack on Change Healthcare led to billing delays for thousands of hospitals and physician practices. Also in 2024, a software update error by CrowdStrike led to widespread system outages estimated to cost insurers between $300 million and $1 billion. With the increased adoption of cloud applications for critical business operations, there is more interconnectedness and potentially more fragility in the technology ecosystem.
Each of these incidents originated with third-party vendors, but the resulting disruptions generated first-party expenses for their customers.
Mitigating Third-Party Risks
Mitigating third-party risks is not straightforward, especially when it comes to critical IT providers. For example, if an organization relies on a single IT company for a critical function and there are no manual workarounds, the organization is dependent on the provider recovering before it can restart operations. How many third-party incidents will need to occur before the trend in outsourcing critical applications to the cloud reverses?
Assess Vulnerabilities
Organizations should assess vendors’ cyber risks through a process that includes understanding the evolving landscape of third-party risk, utilizing vendor risk reports, and integrating vendor risk management into their overall security posture. Vendor risk reports are detailed evaluations of a vendor’s external cybersecurity measures, along with publicly observable risks such as exposed digital assets, misconfigurations or outdated systems.
Identifying vendor-related risks is a first step—whether those arise from external malicious threats or inadequate internal processes. Additional actions include addressing security weaknesses, strengthening due diligence, and making informed decisions about vendor partnerships.
Quantify Impact
Business and technology consolidation—including mergers and acquisitions—and increasing reliance on single suppliers for critical platform services have created numerous new points of failure that hackers can exploit. Highprofile incidents like Change Healthcare and CDK exemplify how attacks on interconnected systems or vendors can have devastating and long-lasting downstream effects.
Organizations should quantify the operational impact a critical vendor disruption could have. A good way to approach this is to consider the costs of disruptions of various lengths: How much revenue would our organization lose if a vendor disruption lasted 24 hours, three days, or longer?
Prioritize Mitigation Strategies
Knowing the potential impact of a cyber incident involving a critical third party enables organizations to make informed decisions regarding mitigation, especially which strategies to deploy first. It’s prudent to prioritize fixing the biggest cybersecurity prob-
lems while keeping in mind less urgent improvements.
Improve Cyber Resilience
Focusing on vendors does not mean organizations should neglect their internal security fundamentals and cyber insurance. Important basics of cybersecurity include resilient data backups stored offline, multifactor authentication (MFA) for critical environments, and regular employee security awareness training to combat phishing.
When cyber incidents strike, they often reveal how deeply interconnected organizations have become—and how quickly a third-party issue can escalate into a first-party crisis. To reduce that risk, organizations need a comprehensive strategy that blends strong internal security with robust vendor oversight, thorough due diligence, and a consistent focus on cybersecurity fundamentals.
Reed is the head of underwriting for North America at Resilience, a cyber risk management company that integrates expert cybersecurity services with A-rated insurance.
