Insurance Journal West 2015-12-07

WEST EDITION BBSI Investigation Launched E-Cigarette Battery Lawsuits Calif.’s Worker Injuries Flat

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Inside This Issue

On The Cover

Special Report:

2015 Program Directory, Volume II

December 7, 2015 • Vol. 93 No. 23 • West

W2

W4

36

98

NATIONAL COVERAGE

WEST COVERAGE

IDEA EXCHANGE

8

Cyber, Property Risks Not Easily Separated: Security Expert

W2 Report: Workers’ Comp Reform

Saving California’s System

$770M Annually

32 The Competitive Advantage:

Chris Burand

8

Toy Drones Are Serious Risk to Aircraft: Aerospace Firm

17 Study Says Telematics Use

Changing Drivers’ Behavior 18 Spotlight: 10 Things to Know

About Aviation 20 Top Cyber Threats for 2016

and Next Five Years 25 Emerging Markets Serve

as Growth Engines for Industry:

Swiss Re 26 Special Report: Program Business

Doubles in Five Years 27 Special Report: How the Program

Business Market Addresses

Emerging Risks

W4 Official Files $123K Claim

Following Arizona University

Mascot Pounce W4 Workers’ Comp Hearing Rep.

in California Caught Cashing Dead

Client’s Settlement W8 Investigation Launched

into Workers’ Comp Services

Provider BBSI W10 California Worker Injury Rate

Lowest in 13 Years W10 Three California Men File Suits

After E-Cigarette Batteries

Explode

34 Agency Sales Leaders & Producer

Worth: Randy Schwantz 36 Minding Your Business: Catherine

Oak & Bill Schoeffler 98 Cyber Security: Insurance

as an Essential Part of Risk

Management 100 Why Specialist Brokers Need

to Become Content Marketers 102 Closing Quote: Risks of the Game

DEPARTMENTS 10 Declarations 10 Figures W6 People 11 Business Moves 40 MyNewMarkets

30 Special Report: 2015 State

Specialist P/C Insurers Revealed 41 2015 Program Directory, Vol. II 4 | INSURANCE JOURNAL-WEST December 7, 2015

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NATIONAL COVERAGE

Opening Note Health Care Costs

O

pen enrollment — the time of year that many employees and employers either love or hate. Well, mostly hate because today’s health insurance open enrollment usually means higher costs — at least for my family of four.

But according to a new analysis by Aon Hewitt, health care rate increases in 2015 came in at the lowest rate increase in 20 years.

After plan design changes and vendor negotiations, the average health care rate increase for mid-size and large companies was 3.2 percent in 2015 — the lowest rate increase since 1996, according to Aon Hewitt’s data from the Aon Hewitt Health Value Initiative database, which captures health care cost and benefit data for more than 600 large U.S. employers representing 11.7 million participants, more than 1,200 health plans and nearly $59 billion in 2015 health care spending.

Aon projects average premium increases will jump to 4.1 percent in 2016.

“The sluggish growth in the economy has deterred many individuals from using medical services, and there’s also been modest price inflation — both factors have been primary drivers for the low rates of premium increases over the past few years,” said Mike Morrow, senior vice president of Aon Health.

“As prescription drug costs continue to grow at a douThe average amount that ble-digit pace and the econemployees need to contribute omy picks up speed, it’s toward their health care has likely these premium rates will start to climb.” increased more than 134 per Despite the low rate of cent over the past decade. cost increase in 2015, the average amount that employees need to contribute toward their health care has increased significantly — more than 134 percent over the past decade.

According to Aon’s analysis, employees contributed $2,490 toward the premium and another $2,208 in out-of-pocket costs, such as copayments, coinsurance and deductibles in 2015. In contrast, the amount of employees’ premium and out-of-pocket costs combined in 2005 was just $2,001.

Low rate increases are prompting most employers to take a traditional “managed trend” approach to mitigating health costs, Aon said.

The percent of total health care costs covered by employers has decreased about 1 percent per year since 2012. Recent Aon research shows 38 percent of employers have increased participants’ deductibles and/or copays and another 46 percent may do so in the near future.

Another trend: Using high-deductible health plans (HDHP), the second most popular plan choice offered by companies, surpassing HMOs. Sixteen percent of companies offer a HDHP as the only health plan option today, and another 41 percent are considering doing so Andrea Wells in the next three-to-five years.

Editor-in-Chief Now back to open enrollment.

6 | INSURANCE JOURNAL-NATIONAL December 7, 2015

Publisher Mark Wells | mwells@wellsmedia.com EDITORIAL Chief Content Officer Andrew Simpson | asimpson@insurancejournal.com Editor-in-Chief Andrea Wells | awells@insurancejournal.com East Editor Young Ha | yha@insurancejournal.com Southeast Editor Amy O’Connor | aoconnor@insurancejournal.com South Central Editor/Midwest Editor Stephanie K. Jones | sjones@insurancejournal.com West Editor Don Jergler | djergler@insurancejournal.com International Editor Charles E. Boyle | cboyle@insurancejournal.com Senior Editor Susanne Sclafane | ssclafane@insurancejournal.com ClaimsJournal.com Editor Denise Johnson | djohnson@claimsjournal.com Columnists Chris Burand, Catherine Oak, Bill Schoeffler Contributing Writers Daniel Brettler, Rich Dodge, Barry Koestler II, Robert Lucas, John Nadolenco, Randy Schwantz, James Woods SALES Chief Marketing Officer Julie Tinney (800) 897-9965 x148 | jtinney@insurancejournal.com Sales Manager Lauren Knapp (800) 897-9965 x161 | lknapp@insurancejournal.com West Dena Kaplan (800) 897-9965 x115 | dkaplan@insurancejournal.com Allison Steinkamp (800) 897-9965 x172 | asteinkamp@insurancejournal.com Midwest Lisa Whalen (800) 897-9965 x180 | lwhalen@insurancejournal.com South Central Mindy Trammell (800) 897-9965 x149 | mtrammell@insurancejournal.com East (NY, PA and CT only) Dave Molchan (800) 897-9965 x145 | dmolchan@insurancejournal.com Southeast & East (except for NY, PA and CT) Howard Simkin (800) 897-9965 x162 | hsimkin@insurancejournal.com New Markets Sales Manager Kristine Honey | khoney@insurancejournal.com Classifieds, Jobs, Agencies Wanted/For Sale Kelly De La Mora (800) 897-9965 x125 | kdelamora@insurancejournal.com MARKETING/NEW MEDIA Marketing Administrator Gayle Wells | gwells@insurancejournal.com Advertising Coordinator Erin Burns (619) 584-1100 x120 | eburns@insurancejournal.com New Media Producer Bobbie Dodge | bdodge@insurancejournal.com DESIGN/WEB Chief Technology Officer/Chief Innovation Officer Joshua Carlson | jcarlson@insurancejournal.com V.P. of Design Guy Boccia | gboccia@insurancejournal.com Audience Development Elizabeth Duffy | eduffy@wellsmedia.com Marketing Director Derence Walk | dwalk@insurancejournal.com Web Developer Jeff Cardrant | jcardrant@insurancejournal.com Web Developer Tim Layer | tlayer@wellsmedia.com IJ ACADEMY OF INSURANCE V.P. of Education Chris Boggs | cboggs@ijacademy.com Sales Executive Romeo Valdez | rvaldez@ijacademy.com Online Training Coordinator Barbara Whiffen | bwhiffen@ijacademy.com ADMINISTRATION Chief Executive Officer Mitch Dunford | mdunford@wellsmedia.com Chief Financial Officer Mark Wooster | mwooster@wellsmedia.com

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News & Markets Cyber, Property Risks Not Easily Separated: Security Expert

By Mark Hollmer

T

he property/casualty insurance industry must change its approach to cyber security and update its coverage approach to help minimize risks, according to a network security expert.

“I don’t think we can easily separate cyber risk and property/casualty risk anymore,” FireEye Inc. Chief Technology Officer Grady Summers said during the 2015 Property Casualty Insurers Association of America (PCI) conference in Hollywood, Fla. “There is a lot of room for improvement.”

Summers said that P/C insurers have made strides but have a long way to go in how they shape cyber security coverage.

Cyber risk is becoming much more intertwined with property coverage, such as homes that are more Internet-connective through everything from thermostats to online home security systems, he said.

“What if an attacker is able to access a home security system and disable [it] to

facilitate burglary?” Summers asked. “Or worse yet, in my area, every new house of a certain size has to have fire sprinklers.

What if someone figures out how to trigger remotely? The division of property and cyber risk is blurring very rapidly.”

Summers said that insurers now better understand direct cyber risks such as stolen customer financial data, business continuity, stolen intellectual property, physical damage and cyber terrorism. But those advances are only first steps toward fully grasping losses related to cyber, he said.

For example, Summers argued that it is hard to put a price tag on cyber-theft of intellectual property, which means modeling those risks and understanding those losses remains a struggle.

“How do you put a price tag on a next-generation gas turbine or water filtration system or new model train that will be more efficient? We are in the first inning of understanding how to model cyber risk and understanding what types of loss there are,” Summers said.

He noted that FireEye and other cyber security companies have learned about risks, and Summers passed on some of this to P/C insurers and reinsurers. Among them: • A company’s risk level is only as good as its worst connected partner. Cyber security can be increased in response to one breach, but “so many companies have thousands of network level connections to their partners,” Summers said.

• Few companies truly understand their sensitive systems and how to protect them equitably.

• Security is not a point-in-time check, where one check is done and then a system is left alone.

“You have to keep security continuous,” Summers said, adding that if a company is not responding to breaches, it must also do hunting and continue to look for network attacks.

“No company can stop 100 percent of attacks, but response preparedness determines the damage,” Summers said.

Toy Drones Are Serious Risk to Aircraft: Aerospace Firm

T

roy drones can be dangerous and costly to the aerospace industry and consumers, according to a new report from a Texas aerospace and defense firm.

The study by Aero Kinetics, a Texasbased aerospace and defense company, examined what might happen when a collision occurs between a toy drone and a manned aircraft, including the potential for damage and death. The study then compared a toy drone strike with historical data on bird strikes, which the report says are proven to cause significant damage to manned aircraft and loss of human life.

Citing figures that bird strikes cost $951 million per year in the U.S. alone, the study concludes that the impact of a toy drone — made of plastic, metal and engineered materials — with a manned aircraft in a collision would be even more catastrophic.

8 | INSURANCE JOURNAL-NATIONAL December 7, 2015

Between 1990 and 2013, there were more than 70,000 bird strikes with planes during take-off or landing, according to FAA statistics cited by Aero Kinetics.

The report, “The Real Consequences of Flying Toy Drones in the National Airspace System,” concludes that toy drones “pose a significant threat to manned rotorcraft in all phases of flight, including cruise, based on their typical operating altitudes.”

“Most people don’t understand how

threatening a toy drone can be. Toy drones are not unmanned aircraft,” said W. Hulsey Smith, CEO of Aero Kinetics. “Make no mistake lives are at stake.” www.insurancejournal.com

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NATIONAL COVERAGE

FIGURES

$10 Million

Is the amount for which a Seattle, Wash., jury found Ernst & Young liable as auditors for a Washington investment company that lost more than $20 million in the wake of Bernie Madoff’s multi-decade investment scam.

DECLARATIONS

$500 Million

The amount South Carolina Democrats are seeking from the state legislature to repair or replace roads and bridges damaged by the historic flooding that occurred in the state at the beginning of October. The bill would allow 25 percent of the borrowed amount to fix county-owned roads and bridges.

Accountable Learning

“A system of no accountability is certainly not going to learn from its mistakes, and it perpetuates a cycle of the same unethical and problematic leaders repeating harmful history.”

— Jennifer Morlok, one of two former University of Oregon counseling center employees who filed a civil suit that charges they were threatened with dismissal and suffered other bad treatment after they blew the whistle on superiors who had seized a student’s therapy records.

Using E-Cards

“This new program will both improve efficacy and increase convenience for motorists across New York State.”

— New York Gov. Andrew Cuomo announced on Nov. 16 that GEICO is the first insurer in the state to complete the certification process through the Department of Motor Vehicles to allow customers to begin using e-cards, insurance ID cards that can be displayed on mobile devices.

962,800 The approximate number of New York City residents that lack health insurance, representing 11.4 percent of the city’s population of 8.43 million, according to an analysis released on Nov. 9 by New York City Comptroller Scott M. Stringer. It’s the first time the uninsured figure has been measured below 1 million over the past five years.

Marijuana Concerns

“Based on the Court’s decision in 2014, I have not filed a legal challenge to the current amendment, but my concerns with it are the same.”

— Florida Attorney General Pam Bondi, announcing she will not fight the proposed amendment to legalize medical marijuana. The Florida Supreme Court is currently reviewing the amendment ahead of next year’s elections.

$407,000

The amount federal officials have fined the employers of a worker who died after a fall at a construction site in Dallas.

The Occupational Safety and Health Administration cited Phoenix-based Design Plastering Inc. and Design Plastering West LLC for eight egregious willful and four serious violations following the death of 44-year-old Jorge Carrion Torres who fell from a third-story balcony at an apartment complex under construction.

40% The percentage of business some St. Louisarea taxi drivers say they have lost to Uber since the ride service began operating. A group of taxi drivers who say Uber operates in violation of local regulations have filed suit against the company, seeking damages.

10 | INSURANCE JOURNAL-NATIONAL December 7, 2015

A Game Changer

“To be honest, it is a game changer. It is advanced scientists with advanced computing power.”

— Greg Waller of the West Gulf River Forecast Center in Fort Worth comments on a turbo-charged flood forecasting system being developed by the National Weather Service and a team of academic researchers led by University of Texas professor David Maidment. Using supercomputers and high resolution imaging, the new system can be run every hour, forecasting 15 hours ahead of possible flooding.

Too Many Loopholes

“The federal standards for rail bridge safety leave far too many loopholes in deference to owners of railroad bridges.”

— Larissa Liebmann, an attorney with the Waterkeeper Alliance. The Alliance and another environmental group, ForestEthics, have questioned the safety of the nation’s railroad bridges.

They say there is particular concern now because railroads hauled 492,126 tank cars of crude oil last year, up from 9,500 cars in 2008. www.insurancejournal.com

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PROFESSIONAL LIABILITY

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News & Markets Report: Workers’ Comp Reform Saving California’s System $770M Annually

T

he Workers’ Compensation Insurance Rating Bureau in mid-November released this year’s evaluation of California’s workers’ comp reform law.

The WCIRB Cost Monitoring Report — 2015 Retrospective Evaluation is part of a multi-year cost monitoring plan developed by the WCIRB following the signing of Senate Bill No. 863 by California Gov. Jerry Brown on Sept. 18, 2012.

The report includes an updated evaluation of the cost impact of a number of SB 863 provisions based on data emerging through the third quarter of 2015. Based on the most current information, the WCIRB estimates the impact of SB 863 is an annual net savings of $770 million, or 4.1 percent, of total system costs.

Here are some findings of the report: • The impacts of increases to weekly permanent disability minimums and maximums for 2013 and 2014 injuries are emerging consistent with initial projections.

• Changes to PD ratings related to the elimination of the future earning capacity and PD add-ons were projected to increase average PD ratings by roughly 6 percent (prior to any impact from the Ogilvie v.

City and County of San Francisco decision).

This is generally comparable to data on early 2013 PD ratings, which suggests increases in average PD ratings at 3 percent to 8 percent above the pre-reform rate of growth.

• The changes to PD related to Federal Employees Compensation were estimated to eliminate any increases to PD for the Ogilvie decision and included significant savings to frictional costs resulting from the elimination of Ogilvie. However, since the implementation of SB 863, average allocated loss adjustment expense costs per claim have not declined and, in fact, have increased significantly, suggesting no savings to ALAE from the elimination of Ogilvie are emerging.

• Indemnity claim frequency was projected to increase modestly from 2012 to 2014, in part due to SB 863 changes to indemnity W2 | INSURANCE JOURNAL-WEST December 7, 2015

benefits. Indemnity claim frequency for accident years 2013 and 2014 is emerging generally consistent with projections.

Although indemnity claim frequency increased significantly in 2012, it had been increasing prior to the enactment of SB 863 in the third quarter of 2012.

• The number of lien filings was projected to fall by roughly 41 percent as a result of the SB 863 lien filing fee and statute of limitations. Although filings in 2013 and 2014 fell by roughly 60 percent annually when compared with 2011 levels, the number of liens filed rose significantly in 2015 and are projected to be only 20 percent lower than 2011 levels. However, some of this increase may be due to temporary increases in lien filings following the transition of the statute of limitations on filing from three years to 18 months for dates of service on or after July 1, 2013. At this time it is not clear whether the SB 863 lien provisions will produce saving more or less than originally projected.

• SB 863’s elimination of the duplicate payment for spinal surgical implants was estimated to save roughly $20,000 per procedure, while WCIRB Medical Data Call data shows a more than $25,000 reduction in the average cost of these procedures since 2013.

• SB 863’s reduction in maximum ambulatory surgical center facility fees was estimated to reduce those costs by 25 percent, which is consistent with the reductions observed based the data estimates comparing post-Jan. 1, 2013, reimbursements to pre-SB 863 levels. In addition, the proportion of post-Jan. 1, 2013, services performed in outpatient hospitals compared to ASCs is consistent with pre-reform levels, suggesting no cost-shifting to outpatient hospitals.

• The frequency of independent medical review requests through the third quarter of 2015 is far above initially projected levels. As a result, fees paid for IMRs are expected to increase ALAE costs by roughly 2.4 percent compared with a 1 percent increase prospectively estimated in 2012.

• Expedited hearings related to medical treatment disputes were expected to be substantially eliminated by the new IMR process, while roughly 5,500 more expedited hearings have been held per year since the implementation of SB 863.

• While average unallocated loss adjustment expenses fell from 2012 to 2014, medical-legal costs, utilization review costs and litigation costs have continued to emerge at pre-reform levels and average ALAE costs rose significantly through 2014, suggesting the prospectively estimated significant savings to frictional costs from IMR or other SB 863 provisions are not materializing.

• Relatively few independent bill review requests have been filed compared with IMR filings, with information suggesting that the majority of decisions favor the provider and result in additional payments. However, as with IMR, MPNs, and other SB 863 provisions, the IBR process may be having a significant impact on recent declines in overall medical severities.

• SB 863 changes to liens, IMR, IBR, MPNs and other areas could significantly impact medical treatment levels, and overall medical claim severities declined in 2013 and 2014 with clear indications of reduced utilization levels particularly in 2014. While it is difficult to attribute changes in medical treatment levels to specific components of SB 863, the WCIRB estimates the SB 863 changes have resulted in an overall 5 percent decline in medical treatment costs. www.insurancejournal.com

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News & Markets Official Files $123K Claim Following Arizona University Mascot Pounce

Jury in Washington Awards $21.5M to Man Hurt by Cruise Ship Door

A

A

suburban Phoenix official filed a claim against Arizona State University, saying the school mascot seriously injured his back when the costumed character playfully leaped on him at a football game two months after surgery.

Tempe City Councilman David Schapira said the mascot’s prank on Sept. 18 set back his recovery and led to a four-day hospital stay and physical therapy.

Schapira is seeking more than $96,000 in

damages and an additional $27,000 to reimburse the city for his medical bills.

The ASU Sun Devils’ mascot Sparky jumped on Schapira’s back while he was taking a photo on the sidelines during halftime of the game. The councilman said he was using a cane and had just handed it to his wife to hold when the mascot pounced. He thinks Sparky probably didn’t see him walking with it earlier.

ASU officials have already publicly apologized and promised to cover his medical expenses from the mishap. The claim is simply part of that process, Schapira said.

Copyright 2015 Associated Press.

Workers’ Comp Hearing Rep. in California Caught Cashing Dead Client’s Settlement

A

California workers’ compensation During the course of the negotiation, his hearing representative was arrested for client died. Otero proceeded with negotiallegedly trying to steal a settlement check ations and reported to the insurer that his from his client. client’s address changed.

Department of Insurance Suspecting fraud, the State detectives arrested Ramon Compensation Insurance Fund referred Humerto Otero, 37, of the claim to the California Department of Adelanto, and Efrain Heredia Insurance for investigation. According to Ojeda, 43, of Corona, on muldetectives, they found evidence that Otero tiple felony counts of insurinstructed the insurer to mail the settleance fraud and grand theft. ment check to the residence of Ojeda, an Ramon Humerto Otero The men allegedly coninterpreter and associate of Otero. Ojeda spired to steal an $18,946 setallegedly forged the deceased’s signature tlement check intended for a and deposited it into his personal bank client whose workers’ comp account. case Otero was presiding over Otero was booked into the Inmate and who died before the setReception Center in Los Angeles. Ojeda tlement with the insurer was was booked into the Robert Presley achieved.

Detention Center in Riverside. Both face a Efrain Heredia Ojeda Otero, a hearing officer for maximum five-year prison sentence if conthe law offices of Ramon Otero Jr., reportvicted on all counts. This case is being prosedly negotiated a workers’ comp settlement ecuted by the Los Angeles County District agreement for his client.

Attorney’s Office.

W4 | INSURANCE JOURNAL-WEST December 7, 2015

federal jury in Seattle, Wash., has awarded $21.5 million in damages to an Illinois man who was injured by an automatic sliding-glass door on a cruise ship in 2011.

The verdict included $16.5 million in punitive damages. James Hausman’s attorneys argued that dozens of other passengers have been injured by the doors on Holland America Line cruises because of problems with their sensors.

The company has denied that claim and asked the court to reduce the judgment. It says it will appeal.

Surveillance video shows Hausman, 61, of Springfield, Ill., walking through an automatic door when it shut on Nov. 26, 2011, as the M/S Amsterdam approached Hawaii. Hausman, who was traveling with his wife and daughter on the beginning leg of a cruise around the world, got hit in the face and side of the head.

Holland America said in court documents that Hausman walked into the closing doors.

A ship doctor diagnosed him with a concussion, and he finished the trip.

But Hausman’s attorneys say tests later showed that he suffered a minor brain injury that has caused seizures, memory loss and vertigo.

Friedman alleged that Holland America did not reveal documentation on up to 34 other sliding-door incidents throughout its fleet going back three years. U.S. District Judge Barbara Rothstein allowed the jury to hear about 16 of those incidents that she decided were relevant.

Motion sensors on the doors were set to open and close faster than normal, Friedman said. Holland America denied that allegation said it had no comment on the specifics of Hausman’s lawsuit.

Copyright 2015 Associated Press. www.insurancejournal.com

WEST COVERAGE

People Charlie Rosson

Gary Tiepelman

Stacey Shurson

Charlie Rosson, CEO of San Francisco, Calif.-based Woodruff-Sawyer & Co., has been named as chairman of Assurex Global.

Assurex Global is a partnership of independent agents and brokers with more than 600 partner offices.

Rosson leads Woodruff-Sawyer’s business strategy and growth activities.

Woodruff-Sawyer is a large independent insurance brokerage and an active partner of Assurex Global.

Validus Holdings Ltd. named Gary Tiepelman senior vice president of Western World Insurance Co. Tiepelman will open and manage Western World’s Scottsdale, Ariz., office, writing on behalf of Western World. He will be responsible for assembling an underwriting team for the office.

Tiepelman has more than 30 years of underwriting experience. Prior to Western World he was senior vice president of underwriting and marketing at Scottsdale Insurance Co. Before that he held various management positions with Great Southwest Fire Insurance and Acceptance Insurance.

Western World is a specialty U.S. commercial insurer.

Validus Holdings is a holding company and Western World is one of its holdings.

Stockton, Calif.-based M.J. Hall & Company Inc. named Stacey Shurson vice president.

Shurson has 39 years of insurance underwriting and brokerage placement experience. She owned IIW Insurance Services of California in Dublin from 1986 to 2013.

M.J. Hall is a surplus lines broker and managing general agent.

Newport Beach, Calif.-based Alliant Insurance Services has named Steve Sampiere chief information officer.

Sampiere will direct initiatives focusing on innovation, security and facilities. He takes the reins of CIO from Ilene Anders, who became chief financial officer in September.

Sampiere has 35 years of technology experience. He was previously Alliant’s chief technology officer. Prior to Alliant Sampiere worked for firms including IBM, Callaway Golf, Intuit and Peregrine Semiconductor.

Alliant provides property/casualty, workers’ compensation, employee benefits, surety and financial products and services.

Burns & Wilcox Brokerage has named Susie Parks vice president and senior broker in the firm’s

W6 | INSURANCE JOURNAL-WEST December 7, 2015

Scottsdale, Ariz., office.

She will focus on real estate, hospitality, products and product recall coverage.

Parks has 29 years of experience, most recently as area assistant vice president and senior broker at RPS Insurance Services in Scottsdale. Parks was at AmWINS Insurance Brokerage of California prior to that.

Detroit, Mich.-based Burns & Wilcox Brokerage is an independent wholesale insurance brokerage owned by the H.W. Kaufman Financial Group.

Allianz Global Corporate & Specialty has named Mandy Mackowiak as a team leader for the mountain states territory.

Mackowiak will be based in the Denver, Colo., field office. She will be responsible for leading an underwriting team.

Mackowiak has 10 years of insurance experience. Prior to Allianz she was with Liberty Mutual Insurance. She spent nine years at Fireman’s Fund as a senior middle market underwriter before that.

Allianz Global Corporate & Specialty offers a range of corporate and specialty insurance services delivered worldwide through a network in more than 160 countries.

CAL Insurance & Associates Inc. named Fred H. Danfoura to its commercial brokerage team.

Danfoura joins CAL to increase the firm’s presence in the educational, nonprofit and investment real estate sectors.

CAL is a full service insurance brokerage and consultancy headquartered in San Francisco.

Thomas S. Gayner, president and chief investment officer, and Richard R. Whitt, III, president and co-chief operating officer, will serve as co-chief executive officers of Markel Corp. starting Jan. 1, 2016.

F. Michael Crowley, president and co-chief operating officer, will serve as the sole president of the company, also beginning in Jan. 1.

Crowley, Gayner and Whitt will continue to report to Alan I. Kirshner, who will serve as the company’s executive chairman.

Additionally, Gayner will oversee Markel Ventures, while Whitt will oversee the international insurance and reinsurance operations and other functions.

Crowley will continue to oversee the company’s global insurance, specialty and wholesale operations and other functions.

Richmond, Va.-based Markel underwrites specialty insurance products. www.insurancejournal.com

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News & Markets Investigation Launched into Workers’ Comp Services Provider BBSI

By Don Jergler

Investigators want to know whether BBSI violated sections 10(b) and 20(a) of the Securities Exchange Act of 1934, financial investigation was launched and the investigation will focus in mid-November into Barrett Business on the company’s Nov. 9 Services Inc., a giant professional employer announcement that it had organization that deals with many workers’ received a letter from its compensation carriers. independent registered The independent investigation focuses public accounting firm. on whether the Vancouver, Wash.-based The firm, Moss Adams company and its officers violated securities LLP, issued a notification laws by issuing misleading information to in early November that it investors. completed an interim review of The concern is over an $80 million BBSI’s unaudited interim consolcharge in the third quarter of 2014 that idated financial statements as of BBSI took so the company could comply June 30, 2014, and for the periods then with a change made last year by California’s ended, which can no longer be relied upon, sweeping workers’ comp reform law, Senate according to the law firm.

Bill 863.

BBSI responded to the letter from the According to Heather Gould, BBSI’s auditor. In the response Thomas J. Carley, executive director of strategic alignment, chairman of BBSI’s audit committee, issued the ongoing investigation is specific to one a statement clarifying the investigation. quarter only, and the company has not been “The Moss Adams letter relates to the contacted by any government regulators. quarter ended June 30, 2014, which was the “The scope of this investigation is specific quarter immediately preceding the compato Q2 of 2014 and all other financials for ny’s decision to record an $80 million charge 2014 hold,” Gould said. to strengthen its workers’ compensation She said there are no workers’ comp reserves in the 2014 third quarter,” Carley’s claims in danger of going unpaid. Before statement reads. “At the July 28, 2014 audit 2014, BBSI self-insured for workers’ comp, committee meeting, the audit committee but following the passage of SB 863 the comconcluded that sufficiently reliable actuarial pany was forced to migrate its California data was not available to policies to the ACE Group.

‘The scope of support a higher reserve for “In California 2014 and prior claims are in run-off mode and this investigation the quarter ended June 30, that has been completely funded is specific to Q2 2014.”

In his statement Carley by the state,” Gould said. of 2014 and all said the company is taking She said any claims for 2014 the allegations seriously. would be paid for by a third-par- other financials

“The audit committee ty issued $88 million surety for 2014 hold.’ believes the concerns raised bond, and that claims starting

by Moss Adams involve complex technical Jan. 1 will be funded through a trust with issues under generally accepted auditing ACE. The balance in the trust account with standards and Section 10A of the Securities ACE was $143.3 million and $50.1 million at Exchange Act of 1934 and have no bearing Sept. 30, 2015, and Dec. 31, 2014, respectively, on BBSI’s 2014 annual financial statements,” according to Gould. he added.

She said the company has been in BBSI in the response said the company “constant contact” with the Office of Self intends to file its quarterly report on Form Insurance Plans to keep lines of communi10-Q for the quarter ended Sept. 30 with the cation open.

A

W8 | INSURANCE JOURNAL-WEST December 7, 2015

Securities and Exchange Commission “as soon as practicable after the audit committee’s independent investigation has been completed, and after Moss Adams has had an opportunity to review and assess the findings of the investigation and to finalize its review of BBSI’s unaudited interim consolidated financial statements for the 2015 third quarter.”

According to BBSI, Moss Adams continues to be the company’s independent registered public accounting firm.

As a PEO, BBSI provides services for employers to outsource management tasks like benefits, payroll and workers’ comp, and risk/safety management.

In early 2014 the company reached a workers’ comp insurance arrangement with ACE to provide coverage to BBSI employees in California.

The fronted program agreement provides BBSI with the use of a licensed, admitted insurance carrier in California to issue policies on behalf of BBSI without the intention of transferring any of the workers’ comp risk for the first $5 million per claim, according to a company statement announcing the deal.

The arrangement with ACE addresses the requirements of SB 863, under which the company could not continue its self-insurance program in California beyond Jan 1.

Gould said BBSI received the letter from the auditor on Nov. 4 and by the following Saturday the company retained Stoll Berne out of Portland, Ore., to conduct the independent investigation.

“The audit committee handed over all of the files for 2014,” Gould said. “These are the same files that were filed with the Securities Exchange Commission.”

Gould noted those filings passed SEC muster, adding that “the investigation is in the hands of the independent firm,” and the the investigation is being taken seriously. www.insurancejournal.com

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News & Markets California Worker Injury Rate Lowest in 13 Years

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he California Department of Industrial Relation’s 2014 occupational injury and illness data shows that the incidence of occupational injuries remained at its lowest level in 13 years.

The Survey of Occupational Injuries and Illnesses data reflect a total of 460,000 reportable injury and illness cases in 2014, of which 265,000 cases involve lost work-time, job transfer or restriction-from-duty cases — also referred to as lost work-time cases — with more than 140,000 of those cases involving days away from work.

Across all three categories the incidence of nonfatal occupational injuries and illnesses in California remain at their lowest level in the past decade, the report shows.

Data from the California Department of Industrial Relations shows that in 2014 the incidence of occupational injuries remained at its lowest level in 13 years. Findings in the report show: • For cases involving days away from work, Latino workers continue to experience the highest incidence of occupational injuries, comprising 59 percent of all reported days away from work cases.

• In private industry, new hires and young workers have higher rates of injury: One-in-four workers whose injury or illness involved days away from work in private industry had been on the job less than a year, and teenagers suffered the highest incidence of days away from work compared with all other age groups.

• Sprains, strains and tears are the largest injury category involving days away from work. Among private sector workers, the greatest number of injuries or illnesses requiring days away from work were caused by overexertion and bodily reaction, by contact with an object or piece of equipment, and by falls, trips and slips.

“As a whole, the lower work-related injury and illness rates reflect California’s commitment to on-the-job health and safety,” DIR Director Christine Baker said in a statement.

Estimates for the report are derived from a statistical sample of 16,000 employers in the state.

The program is administered by the U.S. Bureau of Labor Statistics in cooperation with participating state agencies. OSHA regulations require covered employers to prepare and maintain records of serious occupational injuries and illnesses.

Three California Men File Suits After E-Cigarette Batteries Explode

Volunteer Beaten at Oregon Women’s Shelter Seeks $675K

T

A

hree California men have filed lawsuits against manufacturers, wholesalers and retailers of electronic cigarettes, claiming the products’ batteries exploded, causing severe injuries.

The three men, one of whom is a former L.A. Galaxy player, are seeking damages and hoping to raise awareness about the lack of regulation in the e-cigarette industry.

The men’s’ attorney Gregory Bentley says Orange County resident and former Major League Soccer player Daniel Califf suffered second degree burns on his neck, ear and face, and facial fractures when an e-cigarette he was using exploded.

He says Bakersfield resident Gregory Phillips Jr. suffered second-degree burns to his leg when a battery exploded in his pocket and Vincente Garza, of Bakersfield, suffered injuries to his mouth and tongue and shattered his teeth when an e-cigarette exploded.

Copyright 2015 Associated Press.

W10 | INSURANCE JOURNAL-WEST December 7, 2015

Data from the California Department of Industrial Relations shows that in 2014 the incidence of occupational injuries remained at its lowest level in 13 years.

volunteer seeks $675,000 in a lawsuit against the Gospel Rescue Mission of Grants Pass, Ore., alleging it failed to protect her from an enraged man whose wife and daughter were at a women’s shelter.

The lawsuit and a police report from the 2013 incident say Toni Sue Burrows was pepper sprayed and beaten by Matt Cortez. A grand jury indicted Cortez on assault and other charges, and a warrant is out for his arrest.

The lawsuit filed in mid-November says the mission lacked adequate security and ignored Burrows’ request to establish a lockingof-doors procedure. It also contends a man should have been the one to tell Cortez he couldn’t enter the shelter to see his wife.

Burrows seeks $175,000 for current and future medical bills, and up to $500,000 in non-economic damages.

Mission director Ken Amelio didn’t immediately return a call for comment.

Copyright 2015 Associated Press. www.insurancejournal.com

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Business Moves Endurance, W. Brown Associates Endurance Specialty Holdings Ltd., a Bermuda-based specialty provider of property and casualty insurance and reinsurance, has entered into an exclusive joint underwriting agreement with W. Brown Associates to provide general liability and property coverages for a wide range of general aviation risks across the U.S. market.

W. Brown Associates, founded in 1987, is one of the 10 largest underwriters serving the general aviation market. Products offered include hull and liability coverage as well as general liability coverage for groundbased risks such as fixed base operators, airport owners and aircraft manufacturers and distributors.

Endurance Specialty Holdings Ltd. is a global specialty provider of property and casualty insurance and reinsurance.

Through its operating subsidiaries, Endurance writes agriculture, professional lines, property, and casualty and other specialty lines of insurance and catastrophe, property, casualty, professional lines and specialty lines of reinsurance.

Allianz Allianz Group’s specialist corporate insurer Allianz Global Corporate & Specialty (AGCS) is launching a dedicated transportation and logistics unit in North America to be led by Helen Leonard, Inland Marine Global Product leader. The new division will offer rail, motor truck cargo, warehouse and related property coverage options.

Building on its current transportation claims division and Specialty Logistics Package (covering contingent cargo, warehouse legal liability and other specialty transportation and motor truck cargo needs), this department will be expanded by a team of newly hired professionals located throughout the region, and together, will become part of the Inland Marine division.

The AGCS Inland Marine group services clients ranging from local haulers and warehouse operations to logistics firms and large international carriers.

Samuel (Sam) Rizzitelli joins AGCS www.insurancejournal.com

as Transportation Product lead. Rizzitelli was previously VP/director of Inland Marine Transportation for The Travelers Cos. Inc. Prior to this, he held several senior positions with The Hartford, Property and Casualty based in Connecticut.

Allianz Global Corporate & Specialty (AGCS) is the Allianz Group’s dedicated carrier for corporate and specialty insurance business.

AGCS provides insurance and risk consultancy across the whole spectrum of specialty, alternative risk transfer and corporate business: Marine, Aviation (incl.

Space), Energy, Engineering, Entertainment, Financial Lines (incl. D&O), Liability, Mid-Corporate and Property insurance (incl. International Insurance Programs).

Worldwide, AGCS operates in 28 countries with own units and in more than 160 countries through the Allianz Group network and partners.

KeyCorp, First Niagara Financial services company KeyCorp, which recently announced its plan to acquire First Niagara Financial Group in Buffalo, N.Y., said the company would leverage and grow First Niagara’s insurance brokerage business across KeyCorp’s customer base.

KeyCorp, a bank-based financial services company headquartered in Cleveland, announced on Oct. 30 that it entered into a definitive agreement to acquire First Niagara Financial Group in a cash and stock deal valued at approximately $4.1 billion.

KeyCorp’s Chief Financial Officer Don Kimble said during a call with analysts on Oct. 30 about the deal that “the potential to leverage to combine product offerings is one of the more exciting aspects of this transaction.”

KeyCorp provides deposit, lending, cash management and investment services to individuals and businesses through more than 990 branches and 13,590 employees in

12 states under the name KeyBank National Association. KeyCorp’s insurance offerings are currently provided through third parties.

First Niagara Financial Group, through its subsidiary, First Niagara Bank, N.A., is a community-oriented bank with some 390 branches and 5,400 employees providing financial services to individuals and businesses across New York, Pennsylvania, Connecticut and Massachusetts.

First Niagara Financial Group had $71.13 million in insurance brokerage fee income in 2014 according to Michael White’s Bank Insurance Fee Income Report – 2015 Edition, and was ranked 10th-largest bank holding company in terms of insurance brokerage fee income by Insurance Journal this year.

First Niagara said it currently employs 346 staff members in its risk management business.

Marsh & McLennan, Dawson Insurance Marsh & McLennan Agency LLC (MMA) has acquired Dawson Insurance Agency, a 98-year-old family-owned agency in Fargo, N.D. Terms of the transaction were not disclosed.

Established in 1917, Dawson Insurance provides commercial and personal insurance, surety bonds, safety and loss control continued on page 12 December 7, 2015 INSURANCE JOURNAL-NATIONAL | 11

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Business Moves continued from page 11

Chicago-based Northwest Comprehensive, bolstering its employee benefits and higher education practices. Risk Strategies established its Midwest presence in 2007 with a start-up office in Northfield, just north of Chicago, and has since more than tripled its head count and business in the region. Risk Strategies operates from more than 18 offices across the country.

programs, and employee benefits services to clients throughout North Dakota and Minnesota. It has a particular focus on the construction and real estate industries.

Dawson Insurance generates $10 million in revenue and has 58 employees, all of whom are joining MMA’s upper Midwest region. It will continue to operate out of its two existing offices in Fargo as Dawson Insurance, a Marsh & McLennan Agency LLC company, under the existing leadership of Tom Dawson and Dan Armbrust.

Marsh & McLennan Agency LLC is a subsidiary of Marsh established in 2008 to primarily serve the needs of the middle market.

All Web Leads, insuranceQuotes.com Austin, Texas-based All Web Leads (AWL), a Genstar Capital portfolio company, announced an agreement to acquire insuranceQuotes.com, Bankrate Inc.’s insurance division. The total transaction purchase price is $165 million and the transaction is expected to close by the end of the year. insuranceQuotes.com, formerly known as Bankrate Insurance, allows a consumer to request and compare unique insurance quotes from multiple companies.

After this acquisition is completed, AWL’s clients will include the top 20 U.S. property and casualty insurance carriers, most of the largest U.S. health insurers, and over 30,000 individual insurance agents and agencies in all 50 U.S. states, according to the company’s announcement.

All Web Leads was founded in 2005.

Genstar Capital is based in San Francisco.

Risk Strategies, M.G. Welbel & Associates Risk Strategies Co. has acquired M.G. Welbel & Associates (MGW), a Northbrook, Ill.-based professional liability insurance specialty broker. Terms of the deal were not made public.

MGW’S focus is on lawyers and design professionals, including architects, engineers and surveyors. The firm’s focus is a natural fit for Risk Strategies’ brokerage practice for architects, engineers and other design professionals, the announcement said.

In May 2015, Risk Strategies acquired

Hub, RFO Enterprises Hub International Ltd. has acquired the assets of RFO Enterprises Inc. (RFO), based in Marietta, Ga. Terms of the deal were not disclosed.

RFO specializes in commercial lines insurance solutions for the trucking and logistics industry. RFO’s Randy O’Neil, principal, will join Hub Transportation, and report to Dennis Templeton, Central Regional executive vice president, Hub Transportation.

Headquartered in Chicago, Ill., Hub provides property/casualty, life and health, employee benefits, investment and risk

12 | INSURANCE JOURNAL-NATIONAL December 7, 2015

management products and services from offices located throughout North America.

Brightway The newest Brightway Insurance Agency, The Patrick James Agency, has opened in Miami Lakes, Fla., by agency owner, Patrick James. Brightway is a national property/ casualty insurance retailer selling through a network of franchised independent agencies throughout the country.

James has worked in the industry for years, formerly owning his own Allstate Insurance agency in North Miami Beach.

The new Patrick James Agency will be located at 5911 NW 173rd Drive, Unit 7, in Miami Lakes.

Brightway provides its independent agents access to insurance companies and handles service, carrier relationships and technology centrally.

Brightway Insurance is a privately held personal lines independent insurance agency headquartered in Florida. The company began franchising operations in 2008 and operates more than 115 franchise locations in about 10 states.

Confie, California Insurance Specialists Confie has acquired California Insurance Specialists. Terms of the deal were not disclosed.

Wayne Pratt, who joined CIS in 1976, and Randy Parker, who joined in 1993, will continue as president and senior vice president of the company. All of the company’s other 33 employees will remain with CIS. Santa Ana, Calif.-based CIS was founded in 1972 and is an independent personal lines insurance agency whose current primary focus is providing homeowners and auto policies. With three locations – Santa Ana, Bakersfield and Dallas, Texas (Statewide Insurance Specialists) – CIS reports more than 40,000 policy holders with combined annual premiums of more than $31 million.

Huntington Beach-based Confie is a national insurance distribution company primarily focused on personal lines and small commercial insurance. www.insurancejournal.com

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News & Markets Study Says Telematics Use Changing Drivers’ Behavior

T

elematics devices offered by auto insurers appear to working to change the behavior of drivers.

More than half (56 percent) of the 1,135 drivers participating in an Insurance Research Council (IRC) public opinion survey said they have made changes in how they drive since installing a telematics device provided by their insurance company in their primary vehicle.

According to the insurance industry-supported IRC, 36 percent of respondents said they have made small changes in how they drive and 18 percent said they have made significant changes. Thirty-eight percent said they have made no changes in their driving practices since having a device installed.

Drivers aged 65 and above are significantly less likely than other drivers to report making changes in how they drive, the survey found.

A substantial majority (82 percent) of those with telematics devices reported receiving information from their insurance company about their driving behavior after having a device installed. Eighty-one percent of those receiving information said they reviewed the information and 88 percent of those reviewing the information said they found the information to be helpful.

“These findings suggest that having telematics devices installed in vehicles can play a beneficial role in promoting safe driving and reducing the frequency of auto accidents and their associated costs,” said Elizabeth Sprinkel, senior vice president of the IRC. “While we can’t say with certainty that the changes drivers make are always for the better, or whether beneficial changes that are made become permanent, we can confidently say that the introduction and use of telematics technology is a move in the right direction,” Sprinkel said.

Telematics devices plugged into policyholders’ cars can measure miles driven; time of day; where the vehicle is driven; rapid acceleration; hard breaking; hard cornering; www.insurancejournal.com

‘[T]elematics devices installed in vehicles can play a beneficial role in promoting safe driving and reducing the frequency of auto accidents and their associated costs.’

air bag deployment and other behaviors.

Insurers offer the telematics devices as part of their usage-based insurance (UBI) policies that reward safe drivers with lower premiums. Commercial insurers also offer UBI programs to fleet managers.

Age Gap Research released in September by Towers Watson suggests that more drivers aged 18 to 34, or millennials, are interested in usage-based auto insurance policies than are drivers in all other age groups and are more willing than others to change their driving behavior in response to UBI information. They cited obeying the speed limit and maintaining a safe following distance as behaviors they would most likely change.

The survey by Towers Watson, which consults on and sells UBI services to insurers, attracted 1,061 respondents.

Overall usage of UBI appears to be growing although estimates of its penetration vary.

Whereas in February 2013, just 4.5 percent of consumers either had a UBI policy in force, that figure had doubled to 8.5 percent as of July 2014, another survey

by Towers Watson revealed. Also, nearly one-quarter (23 percent) of insurers in

2014 had launched or said they planned to launch UBI programs.

The UBI market share is expected to soar to 26 percent in the U.S. and 38 percent in the U.K. by 2020, according to a November study from Roland Berger Strategy Consultants.

The National Association of Insurance Commissioner (NAIC) cites experts who expect that 20 percent of all motor vehicle insurance in the U.S. will incorporate UBI in some form by 2018.

Most of the top 10 U.S. auto insurers have UBI programs, with giant GEICO being one of the holdouts.

The IRC report, Auto Insurance Telematics: Consumer Attitudes and Opinions, is based on an online survey of 1,135 respondents by GfK Public Affairs & Corporate Communications on behalf of the IRC. The survey was conducted during June 2015.

Other issues explored in the IRC survey include driver awareness of telematics, willingness to participate in a telematics program and reasons for not having a device installed, concerns about how the information collected by a telematics device is used, and factors that encourage participation in telematics programs.

December 7, 2015 INSURANCE JOURNAL-NATIONAL | 17

SPOTLIGHT

10 Things to Know About Aviation

Underwriters at Lloyd’s wrote the earliest aviation insurance policy in 1912, but they considered the aircraft unsafe, and therefore only covered persons and property.

— International Risk Management Institute

More than 1 billion people will fly each year on commercial flights in the U.S. by 2029. — Federal Aviation Administration

Owners of all but the smallest toy drones (anything more than 9 oz.) would have to register them with the U.S. government before the end of the year under Federal Aviation Administration recommendations. — FAA The basic airplane policies were derived from the earlier marine insurance language, and they referred to the aircraft as a “hull.” — IRMI

In 2014 there were 73 accidents reported. That’s down from 81 in 2013. — International Air Transport Association

Drone registration has been a hot button issue in 2015 amid a growing number of cases of drones flying near aircraft. The FAA has been receiving more than 100 reports a month of pilot sightings and other drone safety incidents.

— FAA Insurance giant AIG in November introduced coverage for the growing drone industry with policies designed to protect drone operators from liability due to collision, technical problems and other situations. — AIG

In 1919 the Travelers Insurance Co. began offering a comprehensive policy that provided public liability protection, life insurance, workers’ compensation and trip accident coverage. With respect to aircraft public liability protection, the form followed the automobile policy except for separate passenger liability coverage within the aircraft liability policy. — IRMI The global accident rate as measured by the rate of hull losses on Western-built jets was 0.23 in 2014, or about one accident for every 4.4 million flights and the lowest rate in history. — Insurance Information Institute

18 | INSURANCE JOURNAL-NATIONAL December 7, 2015

While 2014 experienced several large, high-profile losses, the underlying trend for airline safety continued to improve. The 2014 loss total was $1.67 billion, made up of $414 million for hull losses, $791 million for liabilities and an estimated $465 million for attritionals.

— Willis

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News & Markets Top Cyber Threats for 2016 and Next Five Years stolen data. The cyber risk threats McAfee experts sees in 2016 include: Hardware. Attacks on all types of hardware and firmware will likely continue, and the market for tools that make them possible will expand and grow.

Virtual machines could be targeted with system firmware rootkits.

B

usinesses and organizations should expect cyber criminals to attack through wearable devices, employees’ home systems, cloud services and automobiles within the next year, according cyber experts at Intel’s McAfee Labs.

By 2020, individuals could be receiving payment for sharing their personal data and hackers could be manipulating markets in their favor through financial intelligence gathering, the experts also predict.

Intel Security has released its McAfee Labs Threat Predictions Report, which offers predictions on the cyber threat landscape in 2016 and insights into what that landscape might look like through 2020. The report, which reflects the opinions of 33 of Intel Security’s thought leaders, also addresses likely responses to these threats.

“The best hockey players navigate within the ice rink, grapple with opposing players, take advantage of opportunities when available, and, critically, as Wayne Gretzky said, always ‘skate to where the puck is going to be — not where it has been,’” said Vincent Weafer, vice president of Intel Security’s McAfee Labs.

2016 Predictions The 2016 threat predictions include likely threats around ransomware and the sale of 20 | INSURANCE JOURNAL-NATIONAL December 7, 2015

Ransomware.

Anonymizing networks and payment methods could continue to fuel the major and rapidly growing threat of ransomware. In 2016, greater numbers of inexperienced cyber criminals will leverage ransomware-as-a-service offerings which could further accelerate the growth of ransomware.

Wearables. Although most wearable devices store a relatively small amount of personal information, wearable platforms could be targeted by cyber criminals working to compromise the smartphones used to manage them. The industry will work to protect potential attack surfaces such as operating system kernels, networking and Wi-Fi software, user interfaces, memory, local files and storage systems, virtual machines, web apps, and access control and security software.

Attacks through Employee Systems.

Organizations will continue to improve their security postures, implement the latest security technologies, work to hire talented and experienced people, create effective policies, and remain vigilant.

Thus, attackers are likely to shift their focus and increasingly attack enterprises through their employees, by targeting, among other things, employees’ relatively insecure home

systems to gain access to corporate networks.

Cloud Services. Cyber criminals could seek to exploit weak or ignored corporate security policies established to protect cloud services. Home to an increasing amount of business confidential information, such services, if exploited, could compromise organizational business strategy, company portfolio strategies, next-generation innovations, financials, acquisition and divestiture plans, employee data and other data.

Automobiles. Security researchers will continue to focus on potential exploit scenarios for connected automobile systems that fail to meet best practice security policies. IT security vendors and automakers will develop guidance, standards and technical solutions to protect attack surfaces such as vehicle access system engine control units (ECUs), engine and transmission ECUs, advanced driver assistance system ECUs, remote key systems, passive keyless entry, V2X receiver, USBs, OBD IIs, remote link type apps and smartphone access.

Warehouses of Stolen Data. Stolen personally identifiable information sets are being linked together in big data warehouses, making the combined records more valuable to cyber attackers. The coming year will see the development of an even more robust dark market for stolen personally identifiable information and usernames and passwords.

Integrity Attacks. One of the most significant new attack vectors will be stealthy, selective compromises to the integrity of systems and data. These attacks involve seizing and modifying transactions or data in favor of the perpetrators, such as a malicious party changing the direct deposit settings for a victims’ paychecks and having money deposited into a different account. continued on page 22 www.insurancejournal.com

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News & Markets continued from page 20 In 2016, McAfee Labs predicts that there could be an integrity attack in the financial sector in which millions of dollars could be stolen by cyber thieves.

Sharing Threat Intelligence. Threat intelligence sharing among enterprises and security vendors will grow rapidly and mature. Legislative steps may be taken making it possible for companies and governments to share threat intelligence. The development of best practices in this area will accelerate, metrics for success will emerge to quantify protection improvement, and threat intelligence cooperatives between industry vendors will expand.

attacks. The lure would be the broad control attackers can potentially gain through these attacks, as they can conceivably access any number of resources and commandeer administration and control capabilities.

Predictions through 2020 McAfee says its five-year look-ahead attempts to predict how the types of threat actors will change, how attackers’ behaviors and targets will change, and how the industry will meet these challenges:

Detection Evasion.

Attackers will attempt to avoid detection by targeting new attack surfaces, employing sophisticated attack methods, and actively evading security technology. Difficult-todetect attack styles will include fileless threats, encrypted infiltrations, sandbox evasion malware, exploits of remote shell and remote control protocols, and the aforementioned, belowthe-OS attacks targeting and exploiting master boot records, BIOS, and firmware.

Below-the-OS Attacks. Attackers could look for weaknesses in firmware and hardware as applications and operating systems are hardened against conventional

New Devices, New Attack Surfaces.

While there has not yet been a surge in Internet of Things and wearable attacks, by 2020 install bases of these systems could

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reach substantial enough penetration levels that they will attract attackers. Technology vendors and vertical solution providers will work to establish user safety guidance and industry best practices, as well as build security controls into device architectures where appropriate.

Cyberespionage Goes Corporate. McAfee Labs predicts that the dark market for malware code and hacking services could enable cyberespionage malware used in public sector and corporate attacks to be used for financial intelligence-gathering and the manipulation of markets in favor of attackers.

Privacy Challenges, Opportunities.

The volume and value of personal digital data will continue to increase, attracting cyber thieves, and potentially leading to new privacy regulations around the world.

Concurrently, individuals will seek and receive compensation for sharing their data, a market will develop around this “value exchange,” and the environment this market shapes could change how individuals and organizations manage digital privacy.

Security Industry Response. The security industry will develop more effective tools to detect and correct sophisticated attacks. Behavioral analytics could be developed to detect irregular user activities that might indicate compromised accounts.

Shared threat intelligence is likely to deliver faster and better protection of systems.

Cloud-integrated security could improve visibility and control. Finally, automated detection and correction technology promises to protect enterprises from the most common attacks, freeing up IT security staff to focus on the most critical security incidents.

For the full report, visit: https://www.insurancejournal.com/research/research/intel-securitys-mcafee-labs-cyber-threat-predictions-2016-andbeyond.

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News & Markets Emerging Markets Serve as Growth Engines for Industry: Swiss Re

T

he global economy is expected to strengthen moderately next year, which will support insurance premium growth in most regions, according to Swiss Re’s latest publication titled “Global insurance review 2015 and outlook 2016/17.”

Demand for nonlife insurance is expected to grow, led by an 8 percent to 9 percent annual gain in emerging markets during 2016 and 2017, the review said.

The life insurance sector faces challenges, in particular from ongoing low interest rates. Nevertheless, Swiss Re said, global life premiums are forecast to rise by about 4 percent in each of the next two years — once again led by the emerging markets.

“Global economic growth is a good sign for insurers. This is especially so in the emerging markets, where urbanization and growing wealth will support overall sector growth,” said Kurt Karl, Swiss Re’s chief economist.

“We’ve said for some years now that emerging markets are the growth engines for the insurance industry — and this is expected to continue for at least several years more,” he added.

The U.S. and U.K. economies are currently growing by about 2.5 percent, while the growth of real gross domestic product in Japan and the euro area are a more subdued 0.7 percent and 1.5 percent.

Respectively, the Swiss Re review said, noting that these four economies are all expected to see slightly better growth in 2016.

Powering ahead are the emerging markets, which are expected to grow by about 5 percent in each of the next two years, an improvement on the current 4 percent pace, according to the report. www.insurancejournal.com

Principal Headwinds The three principal headwinds buffeting the global economy are slower growth in China, lower commodity prices and a Federal Reserve rate increase, the review went on to say.

While these headwinds pose a risk to the baseline forecast, they are “unlikely to derail the improving growth momentum,” Swiss Re said.

The improved outlook and expected monetary policy tightening in the U.S. and U.K., will likely raise government bond yields, the report continued.

Non-Life Premium Growth The report predicted that global primary non-life premium growth will improve to 3 percent in 2016 and 3.2 percent in 2017, from 2.5 percent this year, said Swiss Re, noting that main drivers of growth will be in the emerging markets.

Indeed, emerging markets premiums will increase an estimated 7.9 percent and 8.7 percent in 2016 and 2017, respectively, after a 5.6 percent gain in 2015.

Premium growth is expected to be strongest in Asian emerging markets (12 percent annually), with a recovery expected in Central and Eastern Europe after contraction in 2014 and 2015.

On the other hand, growth in advanced markets is expected to slow slightly as a

result of softening prices and only modest improvement in economic growth, the report continued.

“Despite the challenging pricing environment, underwriting profits in primary non-life insurance have been sustained by low natural catastrophe losses and a continuation of reserve releases from past years,” Swiss Re said.

The same trend is applicable for the non-life reinsurance sector, which has seen strong underwriting results based on low natural catastrophe losses.

“However, with falling prices, profit margins have eroded over the past two years,” the report cautioned. “Property catastrophe reinsurance rates are currently close to bottoming out and the rate softening in most lines is expected to moderate or come to a standstill.”

In casualty and specialty lines, Swiss Re said, “significant differences in pricing developments by market and line of business are expected.”

Life Re/Insurance “Primary life insurers face significant downside risks in the short to medium term from the modest global growth outlook, persistently low interest rates, volatility in financial markets and regulatory changes,” the report said.

Real premium insurance income is expected to rise by about 2.5 percent in advanced markets during 2016 and 2017, up from about 2 percent this year, according to Swiss Re. A more robust picture will once again come from emerging markets where life premiums will grow by an estimated 10.7 percent in both 2016 and 2017, the report noted.

On the life reinsurance side, premium growth is expected to decline slightly in advanced markets during 2016 and 2017 in real terms. Conversely, expected growth in emerging market life reinsurance premiums will run about 7 percent to 8 percent each year in 2016 and 2017.

December 7, 2015 INSURANCE JOURNAL-NATIONAL | 25

SPECIAL REPORT

Programs Program Business Revenue Doubles in 5 Years Data Management, Technology Present Future Challenges and Opportunities for Sector

By Andrea Wells

T

he pace of growth in the program market may be slowing but it is in no way standing still.

According to the most recent study from the Target Markets Program Administrators Association (TMPAA), program business premiums increased by 7.4 percent reaching $32.3 billion in 2014 up from $30.1 billion in 2013. That’s in contrast to the growth in direct premiums written for commercial lines which increased by only 1.7 percent between 2013 and 2014.

While the rate of growth of the program industry has slowed from more than 12 percent in 2013, the overall program business market is still growing year-over-year, said Christopher L. Pesce, president of Maritime Program Group based in Westbrook, Conn.

“Premiums in the program market are still growing; it’s just not growing as quickly,” Pesce said.

In the past five years since the TMPAA study began tracking the market, program revenues have nearly doubled from $17.5 billion in 2010 to $32.3 billion in 2014. The number of insurance programs increased slightly with approximately 2,100 programs and 1,000 program administrators.

Tracey Carragher, CEO of Breckenridge Insurance Services, said given the sluggish economy and strengthening soft insurance market, the program sector is doing great.

“Specialty programs are going to continue to grow. It’s one of the only growth areas in the business,” Carragher said. “That’s pretty great.”

The program business sector has been able to bend and stretch to fit the market, says David Brown, senior vice president of Specialty Markets, Munich RE. Specialty niche underwriters are “a little bit more resilient than the general market 26 | INSURANCE JOURNAL-NATIONAL December 7, 2015

cycle,” Brown said. “And programs tend to be a little bit more resilient in and of themselves than the general P/C space overall.”

That resiliency has led to continued growth in programs and will continue to drive growth going forward, he added.

Arthur Seifert, president of Glatfelter Program Managers, says that the program sector benefits from its steadiness.

“We’re in what I call the trading account phase,” Seifert said. With the slow economic recovery, new business is hard to come by. That means a new account must be “taken” from somebody else.

Because programs by nature tend to be “stickier than the retail business,” program administrators see shorter “peaks and valleys” in the market cycle, according to Seifert.

“If we see a movement of our retention by a point or two, retail would probably experience a swing of four to five points,” Seifert said. “The ups and the downs tend to be mitigated a little bit on the program side, because it’s stickier business. It’s more targeted business. The clients that we go after tend to have been in business longer, so you don’t have as many business failures. That business tends to stay with you longer.”

TMPAA released the results of its annual research to document the size, characteristics, growth and other baseline information about the program insurance market. The TMPAA defines program business as insurance products targeted to a particular niche market or class, representing a book of similar risks placed with one carrier.

“The State of Program Business Study” was presented at the association’s 15th Annual Summit in Scottsdale, Ariz., in October.

Data Management Like the overall property/casualty market, the program sector sees both challeng-

es and opportunities in industry data collection and analysis.

Pesce says in many ways program administrators are ahead of the data game relative to others in the insurance industry. “Program administrators after all have been in www.insurancejournal.com

the business of collecting data for a long time,” he said. However, the amount of data that is being collected and utilized today is mind-boggling.

“On one hand, it’s, ‘thank God for the data.’

On the other hand, it’s ‘oh my God, the data,’” he said. It’s a data management evolution, he said. Utilizing data to become more intelligent about the rating schemes requires not just a collection of the data but collection in a meaningful way.

“There’s

a bigger effort now to capture more data than ever before and

to analyze that data to look for meaningful trends and that’s hard,” Pecse said. “It could be finding a correlation in your data that shows yellow cars have a greater frequency of loss than blue cars.

You don’t know what data is going to correlate into something meaningful.”

Pecse says program administrators that embrace the data evolution and get out ahead will have a better continued on page 28

How Programs Address Emerging Risks

By Amy O’Connor

S

pecialists in the program business segment agree — this is a good market to be in right now. Those specialists also agree that the program business market is poised to handle emerging risks that face the industry, in fact, they may even be better at it.

“I actually think the program segment is, in many cases, on the forefront of innovation and recognizing emerging risks,” said David Brown, senior vice president of Specialty Markets for Munich Re. “This is mainly because in that specialty niche space and that program space, the MGAs and program administrators sell more than just the product.”

Brown said the specialists in the program business market are “inherently tied to the industry segments they support” which is why they started the program in the first place. That makes them experts and focused on that niche. www.insurancejournal.com

“They’re constantly in contact with those insurers, understanding what their needs are, what the differentiators are.

And it’s good practice in this space to always be aware of what those differentiators, other than price, may be,” Brown said.

Arthur Seifert, president of Glatfelter Program Managers, said cyber is an example of a risk that has been handled by the program business market in a more niche-specific manner while the rest of the industry has tried to respond with broader coverage.

Seifert says insureds have been more responsive to having cyber coverage when they see how it affects their business specifically.

“Everybody’s dipping their tail into it,” Seifert said. “We added cyber to all of our products about two years ago on an opt-out basis…We had a little push back continued on page 28

December 7, 2015 INSURANCE JOURNAL-NATIONAL | 27

SPECIAL REPORT

Programs

continued from page 27 chance of capitalizing on an opportunity.

According to the TMPAA study, both program administrators and carriers show that data collection and program analytics need to be improved.

Predictive Modeling Responses to a series of questions on predictive modeling in the survey revealed limited use among administrators. They have yet to fully see its impact on program profitability, the survey said. continued from page 27 from some small clients who didn’t feel like they had a need but the more they see in the press of what can happen, they realized they do have the need and it’s a relatively inexpensive way to address it.”

Brown says the emerging risks in the program business market are not necessarily different than the rest of the industry.

Cyber is a risk that has obviously brought opportunity and challenges to all of the insurance space.

But emerging risks don’t always have to be the hot topics. Established risks can have emerging exposures.

“Those are the front page, headline-grabbing things, and that’s the innovation everyone’s talking about,” Brown said. “But sometimes it’s just about going back to basics and doing some old things better.”

Brown said Munich Re’s Specialty Markets division is looking at addressing the risks in its supportive programs in a more effective manner. He said it is focused on rethinking how programs deal with sexual abuse and molestation or traumatic brain injury and concussive activity exposures.

“These are exposures that are inherent in many portfolios, but the rules of engagement change. The litigation issues may change,” Brown said. “We’re trying to find an intelligent approach to be able to offer these coverages, but we can’t just continue to do it as it’s been done the last 20 years.”

Another challenge for those in the program business market is developing new programs for emerging risks, as most carriers are, ironically, risk averse, particularly with those segments without sufficient 28 | INSURANCE JOURNAL-NATIONAL December 7, 2015

According to the TMPAA survey, almost 40 percent of program administrators do not engage in predictive modeling. Twentysix percent said they engage in predictive modeling, while 28 percent said their carriers use predictive modeling.

Pesce said that one challenge for program administrators today is that many carriers are coming out with their own internal proprietary predictive modeling algorithms and this trend can be difficult for the program administrator to manage.

“Because it’s a proprietary model for the

claims history to know what the real exposures are.

“We’ve become a much more data driven industry. It’s extremely difficult today [to start a program] unless you’re coming from a place where you already have that experience and you have contacts within the industry that know you’re capable of being that tough with the challenge,” Seifert said.

Brown said, as a carrier, Munich Re’s approach is to not write a program around an emerging exposure, but instead offer coverage in an established program that address the new risk.

However, the carrier has been careful to fully understand and to cover these risks in a multiline, balanced way.

“It’s a matter of sometimes putting bumpers around [the risk] so that it can’t get out of control. I think that’s most often the case with emerging exposures — it’s things that are already in the books,” Brown said.

For those that are looking to start a program focused on an emerging risk, data and experience are key, said Seifert.

“If you can’t develop specific data for a program, you have to develop relevant data,” Seifert said.

Having the right connections and knowing whom to talk to, as well as a good story backed up by relevant information, make it more likely a carrier will consider a start-up program.

It also takes perseverance.

“You are going to hear a lot of ‘no’s’ but you just keep going forward and hopefully you land with an ear that’s receptive to what you’re trying to say,” said Seifert.

carrier it requires a greater level of integration and exchange of data between the PA and the carrier. So there’s a lot more data being exchanged between the carrier and PAs than ever before and that’s a challenge,” he said.

The study showed mixed views about the impact of predictive models on program profitability.

Only 23 percent of program administrators saw a positive change when using predictive models in programs.

The majority of program carriers polled (73 percent) said they use program analytics, while 17 percent do not. Some carriers reported good initial results, saying program analytics has enabled them to share better information to administrators.

Future of Programs Pesce and others in the sector see a strong future for program business.

“It’s clear that this is a distribution channel that is compelling and attractive to the carriers,” Pesce said. “With the amount of capacity in the market right now, more carriers are utilizing program distribution as a fast way to get to market, a fast way to build a program of scale without sacrificing underwriting because you are using a partner that has a good niche.”

But a good future rests on program administrators becoming more technical, Pesce added.

“We have to get equally as confident at managing technology as we are at understanding insurance,” he said. “While I think there’s a lot of good PAs that are unbelievable insurance experts in their niche, they need to be an equal technology expert to meet the needs of the future.” That means understanding and managing data more and more. “That’s a big part of our future that’s not going away and it’s a struggle.”

The annual TMPAA research study was sponsored by Allied World, BMS Intermediaries, The Chubb Group of Insurance Companies, Ironshore, NetRate Systems and Rockhill Specialty Programs.

The study was conducted by the research firm Advisen. A copy of the executive summary is available on the TMPAA website.

Amy O’Connor contributed to this story. www.insurancejournal.com

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SPECIAL REPORT

State Specialists 2015 State Specialist P/C Insurers Revealed

T

he Demotech Company Classification System categorizes insurers into one of 11 categories based on an analysis of data reported by companies to the National Association of Insurance Commissioners (NAIC). The 11 categories that comprise the

By Barry J. Koestler II system are Nationals, Near Nationals, Super Regionals, Regionals, State Specialists, Coverage Specialists, Strategic Subsidiaries, Risk Retention Groups, Surplus Lines Carriers, Reinsurers, and companies with less than $1 million in direct written premium.

To be categorized as a State Specialist, a carrier must be an individual, active company reporting data to the NAIC using the property/casualty annual statement format at Dec. 31, 2014. It must report at least $1 million in direct written premium (DWP)

at Dec. 31, 2014 with 90 percent or more written in one state. Further, it cannot be a surplus lines company, risk retention group, or reinsurance company.

In total, 762 companies were categorized as State Specialists for 2015. This is 29 percent of the 2,639 companies that were classified based on Dec. 31, 2014 data. This group wrote more than $80.7 billion of direct written premium, which was 14.3 percent of the industry’s direct written premium in 2014.

Examining the geographic distribution of the 2015 State Specialists reveals that more than half of them specialize in one of just six states. Texas had the most State Specialists with 96. Florida was next with 78; New York had 77. New Jersey had 57, California 54, and Pennsylvania 43.

When looking at the line of business mix, 44.5 percent of the State Specialists’ 2014 direct written premium was private passenger auto. Nearly 25 percent was homeowners multiple peril and 11.4 percent of their

premium was workers’ compensation.

Space limitations precluded an enumeration of each of the 762 State Specialists. The accompanying list includes the 287 State Specialists that were not affiliated with a group as of Dec. 31, 2014.

A full list of State Specialists is available by contacting Barry Koestler at bkoestler@ demotech.com.

State Specialists are often an independent agent’s most reliable and consistent market.

These companies are focused on a specific geographic area. They understand it and consistently strive to serve it.

Koestler II is the chief ratings officer of Demotech Inc., Insurance Journal’s official research partner.

Demotech is a financial analysis firm specializing in evaluating the financial stability of regional and specialty insurers. Since 1985, Demotech has served the insurance industry by assigning accurate, reliable and proven Financial Stability Ratings® (FSRs) for P/C insurers and title underwriters. Website: www.demotech.com.

2015 State Specialist Property/Casualty Insurers

State of 2014 TOTAL DWP Company Name Specialty (000s Omitted) State Compensation Insurance Fund CA $1,529,579 Texas Mutual Insurance Co. TX $1,140,962 Pinnacol Assurance CO $571,694 Medical Liability Mutual Insurance Co. NY $502,503 SAIF Corp.

OR $452,442 Federated National Insurance Co. FL $385,768 PEMCO Mutual Insurance Co. WA $378,258 Wawanesa General Insurance Co. CA $344,605 Alliance United Insurance Co. CA $334,913 American Coastal Insurance Co. FL $310,291 Heritage Property & Casualty Insurance Co. FL $287,108 St. Johns Insurance Co., Inc. FL $283,792 People’s Trust Insurance Co. FL $264,800 Security First Insurance Co. FL $247,917 Farm Bureau Mutual Insurance Co. of Arkansas Inc. AR $244,979 American Integrity Insurance Co. of Florida FL $239,930 Hospitals Insurance Co. Inc. NY $230,733 Chesapeake Employers’ Insurance Co. MD $221,399 Pioneer State Mutual Insurance Co. MI $200,686 Louisiana Workers’ Compensation Corp.

LA $199,493 Windhaven Insurance Co. FL $193,314 Indiana Farmers Mutual Insurance Co. IN $192,940 Missouri Employers Mutual Insurance Co. MO $186,835 Nuclear Electric Insurance Limited DE $184,374 Rural Mutual Insurance Co. WI $174,244 Queen City Assurance Inc. VT $170,098 American Transit Insurance Co. NY $162,804 Kentucky Employers’ Mutual Insurance Authority KY $158,146 Louisiana Farm Bureau Mutual Insurance Co. LA $149,043 Country-Wide Insurance Co. NY $136,961 Olympus Insurance Co. FL $131,193 Ark Royal Insurance Co. FL $122,341 Mutual Insurance Co. of Arizona AZ $115,119 Bear River Mutual Insurance Co. UT $111,061 American Steamship Owners Mutual Protection and Indemnity Association Inc. NY $110,181 Weston Insurance Co. FL $103,862 Southern Oak Insurance Co. FL $103,379 Michigan Millers Mutual Insurance Co. MI $102,606 Ranchers & Farmers Mutual Insurance Co. TX $100,532 Southern Fidelity Property & Casualty Inc. FL $97,285 New York Schools Insurance Reciprocal NY $91,430 Fiduciary Insurance Co. of America Inc. NY $79,845 CEM Insurance Co. TX $78,863 Kingstone Insurance Co. NY $76,255

30 | INSURANCE JOURNAL-NATIONAL December 7, 2015

Company Name Homeowners of America Insurance Co. Auto Club South Insurance Co. Wisconsin Mutual Insurance Co. Lighthouse Property Insurance Corp.

Hawaii Employers’ Mutual Insurance Co. Inc. Underwriters at Lloyd’s, London (IL) Underwriters at Lloyd’s, London (KY) Colorado Farm Bureau Mutual Insurance Co. Erie and Niagara Insurance Association GoAuto Insurance Co. Citizens United Reciprocal Exchange Sterling Insurance Co. Farmers Union Mutual Insurance New York Municipal Insurance Reciprocal Dryden Mutual Insurance Co. Ascendant Commercial Insurance Inc. Prepared Insurance Co. LAMMICO MDAdvantage Insurance Co. of New Jersey Germantown Mutual Insurance Co. RAM Mutual Insurance Co. Sawgrass Mutual Insurance Co. Farmers Mutual Fire Insurance Co. of Salem County Wellington Insurance Co. Safepoint Insurance Co. Security Mutual Insurance Co. Lawyers’ Mutual Insurance Co. Alabama Municipal Insurance Corp.

Access Home Insurance Co. Southern Vanguard Insurance Co. Madison Mutual Insurance Co. Discovery Insurance Co. Center Mutual Insurance Co. Alinsco Insurance Co. Care West Insurance Co. Crusader Insurance Co. Farmers Insurance Co. of Flemington American Risk Insurance Co. Inc. Bremen Farmers Mutual Insurance Co. Capitol Insurance Co. Idaho Counties Risk Management Program FD Insurance Co. Responsive Auto Insurance Co. Carolina Mutual Insurance Inc.

State of 2014 TOTAL DWP Specialty (000s Omitted) TX $73,620 FL $71,675 WI $71,627 LA $69,717 HI $65,967 IL $65,871 KY $65,840 CO $65,373 NY $64,453 LA $62,018 NJ $61,480 NY $58,583 ND $57,323 NY $57,304 NY $55,727 FL $55,575 FL $53,385 LA $50,421 NJ $49,850 WI $48,396 MN $48,155 FL $46,591 NJ $45,051 TX $44,930 FL $43,974 NY $41,094 CA $39,649 AL $39,508 LA $39,254 TX $37,606 IL $37,253 NC $33,825 ND $33,283 TX $33,271 CA $33,090 CA $32,810 NJ $30,166 TX $29,969 KS $29,670 PA $28,897 ID $28,278 FL $27,674 FL $27,510 NC $27,492

www.insurancejournal.com

Company Name Granada Insurance Co. Housing and Redevelopment Insurance Exchange Marysville Mutual Insurance Co. West Virginia Mutual Insurance Co. Springfield Insurance Co. League of Wisconsin Municipalities Mutual Insurance Avatar Property & Casualty Insurance Co. Healthcare Professionals Insurance Co. Inc. Elements Property Insurance Co. Maya Assurance Co. Kansas Medical Mutual Insurance Co. Star & Shield Insurance Exchange American Millennium Insurance Co. Normandy Insurance Co. Texas Lawyers’ Insurance Exchange Mt. Morris Mutual Insurance Co. Farmers Union Mutual Insurance Co. N.C. Grange Mutual Insurance Co. Direct Auto Insurance Co. US Lloyds Insurance Co. Conventus Inter-Insurance Exchange Upland Mutual Insurance Inc. Illinois State Bar Association Mutual Insurance Co. First Benefits Insurance Mutual Inc. Northern Mutual Insurance Co. Seven Seas Insurance Co. Inc. Manufacturing Technology Mutual Insurance Co. Harbor Insurance Co. Fairmont Farmers Mutual Insurance Co. Farm Credit System Association Captive Insurance Co. Otsego Mutual Fire Insurance Co. Sterling Casualty Insurance Co. Nations Insurance Co. Farmers Fire Insurance Co. Transit General Insurance Co. Commonwealth Casualty Co. NHRMA Mutual Insurance Co. Kensington Insurance Co. Professional Casualty Association Wayne Cooperative Insurance Co. American Alliance Casualty Co. New Jersey Physicians United Reciprocal Exchange Capacity Insurance Co. Florida Lawyers Mutual Insurance Co. Building Industry Insurance Association Inc. Park Insurance Co. Casualty Corporation of America Inc. Cities and Villages Mutual Insurance Co. Midstate Mutual Insurance Co. Michigan Professional Insurance Exchange Medical Alliance Insurance Co. West Virginia Insurance Co. Farmers Mutual Fire Insurance Co. of Marble, Pa. Leatherstocking Cooperative Insurance Co. Mutual of Wausau Insurance Corp.

USPlate Glass Insurance Co. Farmers Mutual Fire Insurance Co. Farmers Mutual of Tennessee Palomar Specialty Insurance Co. Victory Insurance Co. Inc. Finger Lakes Fire and Casualty Co. USA Insurance Co. Oklahoma Attorneys Mutual Insurance Co. CIFG Assurance North America Inc. Kansas Mutual Insurance Co. McMillan Warner Mutual Insurance Co. Synergy Comp Insurance Co. Chautauqua Patrons Insurance Co. Seaview Insurance Co. Reamstown Mutual Insurance Co. Mid-Hudson Co-Operative Insurance Co. Texas Hospital Insurance Exchange Associated Mutual Insurance Cooperative Halifax Mutual Insurance Co. Delta Lloyds Insurance Co. of Houston Texas Preferred Auto Insurance Co. Inc. North Country Insurance Co. Nazareth Mutual Insurance Co. ARECA Insurance Exchange Great Falls Insurance Co. Bell United Insurance Co. Coastal Insurance Co. Inc. Broome Co-operative Insurance Co. Agents Mutual Insurance Co. Lawyers Mutual Insurance Co. of Kentucky Georgia Dealers Insurance Co. Ohio Bar Liability Insurance Co. Retailers Insurance Co. German American Farm Mutual Oswego County Mutual Insurance Co. Business Alliance Insurance Co. Constitution Insurance Co. Alaska Timber Insurance Exchange Health Care Insurance Reciprocal Hartland Mutual Insurance Co. Pacific Pioneer Insurance Co. Districts Mutual Insurance Maple Valley Mutual Insurance Co. Fulmont Mutual Insurance Co. Central Co-operative Insurance Co. Callicoon Co-operative Insurance Co. First Mutual Insurance Co. CBIA Comp. Services Inc. Dealers Choice Mutual Insurance Inc.

www.insurancejournal.com

State of 2014 TOTAL DWP Specialty (000s Omitted) FL $27,074 PA $26,853 KS $26,142 WV $25,644 CA $25,405 WI $24,738 FL $24,216 NY $23,645 FL $23,498 NY $23,224 KS $22,829 FL $22,564 NJ $22,132 FL $22,062 TX $21,755 WI $21,286 MT $20,935 NC $20,295 IL $20,000 TX $19,827 NJ $19,775 KS $19,767 IL $18,880 NC $18,870 MI $18,771 FL $18,730 MI $18,699 OK $18,000 MN $17,600 CO $17,467 NY $17,372 CA $17,243 CA $16,206 PA $16,169 IL $15,810 AZ $15,766 IL $15,761 NY $15,374 PA $15,324 NY $14,770 IL $14,398 NJ $14,253 FL $14,187 FL $14,088 VA $13,726 NY $13,274 OK $13,123 WI $13,044 NY $12,995 MI $12,982 IL $12,360 WV $12,132 PA $12,039 NY $11,799 WI $11,670 FL $11,477 OK $11,424 TN $11,241 CA $11,161 MT $11,044 NY $11,039 MS $10,869 OK $10,472 NY $10,073 KS $9,971 WI $9,742 PA $9,567 NY $9,412 CA $9,239 PA $9,180 NY $9,124 TX $8,786 NY $8,640 NC $8,628 TX $8,556 TN $8,384 NY $8,309 PA $8,110 AK $7,991 ME $7,849 NV $7,845 AL $7,638 NY $7,610 AR $7,498 KY $7,443 GA $7,433 OH $7,407 MI $7,282 TX $7,171 NY $7,131 CA $7,038 NY $6,934 AK $6,850 MN $6,843 ND $6,501 CA $6,423 WI $6,402 WI $6,308 NY $6,301 NY $6,292 NY $6,288 NC $6,272 CT $6,246 NC $6,068

Company Name Farmers Mutual Insurance Co. Paramount Insurance Co. Sunderland Marine Insurance Co. Limited Bedford Grange Mutual Insurance Co. Arrow Mutual Liability Insurance Co. SteadPoint Insurance Co. Healthcare Underwriters Group Inc. Farmers Mutual Fire Insurance Co. of McCandless Township Laundry Owners Mutual Liability Insurance Association Juniata Mutual Insurance Co. Health Care Mutual Captive Insurance Co. United Business Insurance Co. (A Mutual Captive) Wisconsin Municipal Mutual Insurance Co. Wisconsin Lawyers Mutual Insurance Co. Physicians’ Insurance Program Exchange Genesee Patrons Cooperative Insurance Co. Mound Prairie Mutual Insurance Co. Trans City Casualty Insurance Co. Midrox Insurance Co. Ontario Insurance Co. Freedom Advantage Insurance Co. Mount Carroll Mutual Insurance Co. Doctors Direct Insurance Inc. Great Lakes Mutual Insurance Co. Briar Creek Mutual Insurance Co. US Coastal Insurance Co. Ethio-American Insurance Co. Inc. National Direct Insurance Co. Gem State Insurance Co. Farmers and Merchants Mutual Fire Insurance Co. California Mutual Insurance Co. Farmers Union Mutual Insurance Co. Heartland Mutual Insurance Co. Madison Mutual Insurance Co. Little Black Mutual Insurance Co. Missouri Valley Mutual Insurance Co. Pennsylvania Professional Liability Joint Underwriting Association U.S. Insurance Co. of America Bloomfield Mutual Insurance Co. Hay Creek Mutual Insurance Co. Carolina Farmers Mutual Insurance Co. United Frontier Mutual Insurance Co. Ellington Mutual Insurance Co. Arkansas Mutual Insurance Co. Petroleum Marketers Management Insurance Co. Vasa-Spring Garden Mutual Insurance Co. Wilmington Insurance Co. Farmers Mutual Insurance Co. Tank Owner Members Insurance Co. American Property Insurance Co. Friends Cove Mutual Insurance Co. Safe Insurance Co. British American Insurance Co. Western Mutual Fire Insurance Co. Whitecap Surety Co. Alamance Farmers’ Mutual Insurance Co. Pan Handle Farmers Mutual Insurance Co. of West Virginia Spartan Insurance Co. Transit Mutual Insurance Corp. of Wisconsin Geneva Insurance Co. National Heritage Insurance Co. Century Mutual Insurance Co. Centre County Mutual Fire Insurance Co. Washington County Co-op Insurance Co. Greenpath Insurance Co. United Casualty and Surety Insurance Co. Workers Compensation Exchange Integra Insurance Inc. Piedmont Mutual Insurance Co. Casualty Underwriters Insurance Co. Pennsylvania Physicians’ Reciprocal Insurers Bondex Insurance Co. Mutual Insurance Co. of Lehigh County Mower County Farmers Mutual Insurance Co. PrimeOne Insurance Co. MidSouth Mutual Insurance Co. Claverack Cooperative Insurance Co. Hannahstown Mutual Insurance Co. Keystone Mutual Insurance Co. Otsego County Patrons Co-Operative Fire Relief Association Indiana Old National Insurance Co. Farmington Mutual Insurance Co. Professional Insurance Exchange Mutual Inc. Benefit Security Insurance Co. Farmers Mutual Fire Insurance Co. of Branch County AGIC Inc. Wall Rose Mutual Insurance Co. Ecole Insurance Co. MFS Mutual Insurance Co. Broadway Insurance and Surety Co. Inc. Clearfield County Grange Mutual Fire Insurance Co. Grange Mutual Fire Insurance Co. Farmers & Mechanics Mutual Insurance Association of Cecil County Inc. Yel Co. Insurance Atlantic Bonding Co. Inc.

State of 2014 TOTAL DWP Specialty (000s Omitted) WV $6,008 MD $5,966 AK $5,956 PA $5,943 MA $5,841 TN $5,778 OH $5,756 PA $5,683 PA $5,573 PA $5,379 GA $5,325 GA $5,182 WI $5,163 WI $5,044 PA $5,022 NY $4,887 MN $4,791 AZ $4,791 NY $4,762 NY $4,659 PA $4,630 IL $4,626 IL $4,583 MI $4,465 PA $4,462 NY $4,408 GA $4,384 NV $4,369 ID $4,365 MI $4,333 CA $4,320 AR $4,292 MN $4,278 NY $4,269 WI $4,087 SD $4,059 PA $3,999 IL $3,999 MN $3,913 MN $3,907 NC $3,835 NY $3,824 WI $3,668 AR $3,509 IA $3,493 MN $3,456 DE $3,402 KS $3,384 TX $3,357 NJ $3,315 PA $3,289 WV $3,283 TX $3,186 MN $3,122 MN $3,093 NC $3,075 WV $3,054 TX $3,038 WI $2,889 IN $2,887 IL $2,857 NC $2,802 PA $2,764 NY $2,731 CA $2,726 MA $2,642 ID $2,609 MN $2,554 NC $2,546 UT $2,373 PA $2,362 NJ $2,319 PA $2,241 MN $2,099 MI $2,094 TN $2,049 NY $2,016 PA $2,000 MO $1,745 NY $1,618 IN $1,605 WI $1,601 UT $1,594 IL $1,576 MI $1,540 FL $1,531 PA $1,509 AZ $1,496 IA $1,431 NJ $1,326 PA $1,279 PA $1,222 MD $1,211 FL $1,198 MD $1,192

Source: The National Association of Insurance Commissioners, Kansas City, Mo., by permission. Information derived from an SNL product. The NAIC and SNL do not endorse any analysis or conclusion based upon the use of its data.

December 7, 2015 INSURANCE JOURNAL-NATIONAL | 31

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The Competitive Advantage Insurance Company Profitability

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he past 10 years has been incredibly profitable for insurance companies. Net income for the industry — that is net, not pretax — has equaled $448 billion; that’s almost half a trillion dollars. It is not chump change.

Let that sink in for a moment.

The profit is generated by impressive underwriting profBy Chris Burand its and investment income. The industry has become much more profitable from an underwriting perspective. Net investment income equals

approximately $518 billion through 2013 (2014 numbers are not final at the time of writing). Net underwriting income equals -$24.732 billion (all numbers are per A.M. Best). That looks worse than it is because it includes the huge losses a handful of companies specializing in financial guaranty insurance and related products incurred during the credit crisis. Overall, the industry has been very, very profitable.

Yet insurance companies are sending disparate, convoluted messages to agents regarding how profitable they are, what their future is, and the importance of agents to the company’s future growth. In many cases, my impression is not that carrier

executives, underwriters, and marketing representatives are being disingenuous.

They simply do not know. The world is changing and they don’t know their own future. Many though don’t even understand their own present. They do not understand their own profitability.

Property reinsurance is so plentiful that earlier this year some key reinsurers simply withdrew from parts of the market because they didn’t have enough buyers. I hear insurance company people always telling the world how woeful their investment income is but the results above prove otherwise. I think they’ve lost track of reality relative to investment income. Some newer companies clearly have no clue that tail losses always catch up. They seem to think their fast growth and low loss ratios exemplify their elevated skills rather than reading history and learning that if a company is growing quickly, its loss ratios should be lower than slower growing peers. Some do not even understand their own NAIC filings.

Industry Profitability These items constitute basic elements of industry profitability. To explain how out of touch some companies are, I have literally had to show them their own filings and ask them what part of their filing is wrong.

Some company people and even entire cadres within a particular company are more knowledgeable of the industry and their own company’s results so I do not want any reader to think that all company people are out of touch with reality. Enough are, though, to make a difference.

This article is not likely going to cause any insurance company CEO to better understand their own financials. My goal with this article is to give other parties knowledge so that in their conversations — with their superiors if they work for a company or with their company contacts for agents — they can better understand why a communication disconnect is occurring between the ivory tower and the reality of the field. On the off chance that a key

32 | INSURANCE JOURNAL-NATIONAL December 7, 2015

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insurance company executive recognizes the opportunity here or a really intelligent agent understands the opportunity this presents, call me to exploit it.

Otherwise, the key point to understand is that insurance companies do not want their agents, the public, or even their own employees to understand how the company makes money. Insurance companies have never made money on underwriting except on the odd occasion. Rates are not set to make money on an underwriting basis. The entire business model is not designed to make money on underwriting.

This is why Warren Buffett years ago wrote something to the effect that insurance companies are nothing more than poorly organized mutual funds.

More Sales Focusing on underwriting profit serves the company well for many reasons including the fact that no one in the field can do anything about investments. It also serves as a distraction. As underwriting software improves and usage increases, the field becomes less important other than as a pure sales function. Field underwriting value is decreasing daily. The focus then on underwriting profit is less of a conversation for agents and company field people because they have less and less control. This is one of the reasons carrier messages have become convoluted and confusing because without an ability to articulate the issue, agents and company field people understand they have less and less control over

underwriting results but companies continue to pressure them on improving results.

The focus though has not moved entirely to the only other reality and that is more sales. Companies are not comfortable telling agents they just need to sell and the company’s underwriting technology will take care of the underwriting. Some companies don’t yet have the full technology, some companies don’t have full faith in their technology, and many companies just can’t bring themselves to tell their field that they just need to sell. They just can’t utter those words. Messages are muddied as a result.

We have an industry in transition where key people either don’t understand the transition, don’t understand their own results, and/or can’t send a clear message even if they did because it just wouldn’t seem right.

The entities that get their eyeballs above the mud have a distinct first mover advantage, whether they are agents or companies.

Change always creates opportunities for those with the most insight as to the drivers. client in turn, will recognize the professionalism and remain with the company/agent for years. This is true whether it is personal lines or commercial. The nature and definition of professional will vary considerably from one demographic to another and it will not just be coverage centric. It may be technology focused, coverage focused, or experience focused, to name just three possibilities.

The two kinds of sales though will be oil and water. There will be no mixing — possibly some migration, but no mixing.

Agents and carriers seem to have immense difficulty understanding this point. The opportunity for those that get it is just that much greater.

The industry has been blessed with arguably too much profit, regardless of whether adequate knowledge and education on this point exists or not. That profitability is driving the industry to points unknown.

Change always creates opportunities for those with the most insight as to the drivers. The opportunity is yours. Are you up to opening your mind and the challenges these opportunities create?

Transactional and Relationship Sales The key going forward to increase sales and take advantage of insurance company profitability is to determine the kind of sales that will be made, not the underwriting. The kind of sales can be divided between transactional and relationship.

Transactional is transitory, temporary, here today and gone tomorrow. Neither party has any predilection toward staying together any longer than it’s an advantage to do so.

Relationship sales are professional sales whereby the selling entity customizes the sale to fit the client’s exact needs and the

Burand is the founder and owner of Burand & Associates LLC based in Pueblo, Colo. Phone: 719485-3868. E-mail: chris@burand-associates.com.

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Sales Management Cognitive Distortion: Agency Sales Leaders & Producer Worth

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ave you ever been guilty of saying something to someone and they took it wrong and maybe got offended. In defense, you said, “That’s not what I meant.”

The same could be true in this instance if you’re the agency sales leader, you’re saying things that your producers are taking as fact, as in, “This is how it is.” You probaBy Randy Schwantz bly don’t mean it this way, however that’s how they are taking it.

Let’s look at two phrases that if you are not careful, will cause great harm to your producers and radically affect their lifetime earning capability.

‘It’s All about Relationships’ Relationships are like the quarter in my pocket — they have two sides.

In business the same is true, and particularly true when selling insurance. It’s a well-known fact that people do business with others that they know, like and trust.

So it could be said, “It’s all about relationships.”

The question that hasn’t been answered is this: What happens when the incumbent relationship is as good, or better, than the one your producer has been able to build? What should they do?

Like the coin in my pocket, there is another side. And that side is, “How do you bust the incumbent relationship?”

Think about the implications, if you focus only on building the relationship, and you don’t have a strategy for busting the incumbent relationship, you’ll make a lot of great friends, improve a lot of programs but not make a lot of money for your efforts.

Here’s what happens too often to producers who are great people, who have great 34 | INSURANCE JOURNAL-NATIONAL December 7, 2015

intentions, but don’t have a strategy to deal with the incumbent.

They will set an appointment with a new prospect. Having been trained in relationships, they will build rapport, share common stories, they are friendly and likable.

From there they will ask probing questions that lead to a chance to quote the prospect’s insurance.

At some point in the near future, they will present their quote and ask for the order. The buyer, being appreciative but cautious will share this information with the incumbent. At that point the incumbent will find a way to match the price and coverage and will keep the business.

The buyer now feels bad, because they have a relationship with your producer, but they had a relationship with the incumbent, too. So, it’s relatively easy to justify keeping the business with the incumbent.

After this happens your producer becomes confused. What else could they

‘Relationships are like the quarter in my pocket — they have two sides.’

have done?

If you’re not careful, your producer will lose their enthusiasm. They start to hate the business, they stop trusting prospects even though they act like they do. They soon start questioning why they should spend time prospecting if this is the most

predictable result. So they wait for referrals to come in rather than actively prospecting and assertively growing their book.

And it all started with a simple little phrase, “It’s all about relationships.”

Unfortunately, no one told them the other side of that story. You have to build a relationship with your prospect and you have to bust the incumbent’s relationship with your prospect. If not, you’ll get rolled.

When that happens, this goes from being a great money making career to a daily grind.

‘Go Sell Yourself’ Have you ever seen a struggling producer reach out for some help and the sales leader says, “Just go sell yourself, you’ll be fine.” If a producer was more confident they would say, “I’ve been trying, it’s not working out so well, that’s why I’m asking for advice.”

But, they don’t in most cases. What they say is, “OK, I’ll give it try.”

Is “go sell yourself” what the agency owner really meant to say? Or do they say that because they don’t really know how to help this producer? Either way, it’s not very useful.

Most producers need something more than charm and personality to be remarkably successful.

They need value beyond what they know about coverage, and they need something more than “we have great people, service and markets.”

What they really need is a value proposition that is tangible and training on how to use it to win new business.

Teach them how to sell themselves and un-sell the incumbent. That would be useful in helping them earn what they’re worth.

Schwantz is founder of The Wedge Group, and develop of the iWin Agency Growth System. He can be reached at 214-446-3209 or www.thewedge.net

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Minding Your Business Year End Agency Review

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he holiday season is upon us. People are busy shopping, celebrating and just relaxing with the family. What better time to see how the business has performed during 2015.

For those people who think there is always room for improvement, the beginning of a new year with all the related planning, is a perfect time to take a

By Catherine Oak & look back. Planning ahead requires an understanding of where you are now, how you got there, what works and what does not work.

Key Factors When it comes to understanding agency performance, there are five main areas of primary focus to review: 1) Financial Analysis, 2) Productivity, 3) Sales, 4) Book of Business Analysis, and 5) Agency/Carrier Relationships.

To get a good understanding of the Bill Schoeffler

36 | INSURANCE JOURNAL-NATIONAL December 7, 2015

strengths and weaknesses of an agency, the analysis needs to include peer group comparisons as well as agency historical performance. Historical performance means simply looking at how the agency has performed year-to-year in each of the areas reviewed.

Peer Group Analysis There are many excellent resources for peer group analysis. Some provide just a compilation of results while others have the raw material for self-analysis.

There also needs to be a subjective assessment of performance, areas for improvement and strengths that can be exploited. Sometimes there are too many deviations or intangible factors to be able to confidentially compare a certain criteria to a peer group performance or even an agency’s own historical performance. A strong “gut feel” goes a long way in analysis. This type of analysis will provide insight to the meaning behind the numbers and gets the entrepreneurial juices flowing.

Financial Analysis A good starting point is to review the financial health of the agency. It is relatively easy and it will need to be done for taxes

anyway. For the financial review, one of course would need income statements and balance sheets. Don’t forget to obtain the accounts receivable and account payable reports.

First, look at the changes in revenue and expenses to prior years. Has it gone up or down? What is the percentage of the change in each category? Look at each expense category. Is the agency spending more or less than its peers? What is the bottom line? Is the agency profitable? A good rule of thumb is the total return for the owners and all producers (compensation, perks and profit) in an agency should be targeted to be at least 50 percent of the revenue.

Next take a look at the following balance sheet ratios. The Trust Ratio (cash plus receivables divided by company payables) should be at least more than 1.0 to 1.25, as well as the Current Ratio (current assets divided by current liabilities). If a firm is good at turning receivables into cash, the Collection Ratio (receivables divided by premium payables) should be 0.60 or less.

Review the aged receivables report. How good is the agency’s collection practice?

Accounts more than 90 days old are usually considered uncollectable. Remember, the goal is to sell insurance not to be a bank.

Productivity Analysis Is the existing staff operating efficiently?

Is the agency properly staffed? The best way to answer these questions is to review workloads and agency productivity. Keep in mind the single biggest factor in a profitable firm is a productive staff.

Start with the collection of the following: 1) an employee list including the percentage of time each employee (and owners) spends on production, service, administration and management, 2) compensation for each employee, and 3) commissions and number of accounts each CSR handles.

Usually the hardest part of this exercise is to determine who is doing what role. In fact, don’t be surprised if redundancies and unnecessary tasks are uncovered. Still, it is www.insurancejournal.com

important to begin the review with the big picture. Clean up of workflow can be done later.

The bottom line is the bottom line.

Calculate revenue per employee, per CSR, and per owner/producer. Keep in mind to not use the job titles, but the percentage of time the employees spend in each category.

If a producer truly spends a third of their time doing traditional CSR service work, then they count as 33 percent of a CSR and 66 percent as a producer.

Next, narrow the scope down to commissions per CSR and accounts per CSR. Compare the agency’s performance to its peers. Sometimes the comparisons to peer group numbers are not accurate because an agency may have a unique book of business, such as program business. In these cases subjective judgement is required. Another way to evaluate if the staff is productive is to calculate the “spread” which is revenue per employee minus compensation per employee, the higher the better, with the average being $25,000.

New Sales Review An obvious key indicator to the success of an agency is new sales. New sales are a function of the effective use of agency resources. Collect sales information (new sales and total book of business) by producer and the agency overall.

It is important to understand not just what the new sales numbers are, but what the potential is for each producer and the agency overall. A bright young producer might have poor production results if they are not properly trained. A burnt-out but seasoned producer might be revitalized if a good marketing and servicing team provides proper support and they develop and stick with a sales plan to get out of their rut.

Even if an agency has tremendous sales, if there is a significant loss of business through attrition, the effort for new sales is like digging out of a collapsing hole.

Calculate the attrition rate for the agency and each producer. High attrition rates are usually an indication that the business the agency writes is transient and either the

clients are price shopping or poor risks.

Another excellent sales indicator tool is hit ratios. Poor hit ratios will end up costing the agency a lot of money and wastes the time of both producers and staff. The technique of producers with low hit ratios

UNITED STATES BANKRUPTCY COURT • SOUTHERN DISTRICT OF NEW YORK x : In a Case Under Chapter 15 of the Bankruptcy Code : : Case No. 15-13054 (SCC) : x

In re OIC RUN-OFF LIMITED and THE LONDON AND OVERSEAS INSURANCE COMPANY LIMITED Debtors in Foreign Proceedings.

NOTICE OF FILING AND HEARING ON PETITIONS SEEKING RECOGNITION OF FOREIGN MAIN PROCEEDINGS PURSUANT TO CHAPTER 15 OF THE UNITED STATES BANKRUPTCY CODE PLEASE TAKE NOTICE that on November 16, 2015, Dan Yoram Schwarzmann and Paul Anthony Brereton Evans (the “Petitioners”), the duly authorized foreign representatives of the above-captioned debtors (together, the “Companies”) commenced cases (the “Chapter 15 Cases”) by filing petitions (the “Petitions”), pursuant to Chapter 15 of title 11 of the United States Code (the “Bankruptcy Code”) in the United States Bankruptcy Court for the Southern District of New York (the “Bankruptcy Court”).

PLEASE TAKE FURTHER NOTICE that by an Order dated November 19, 2015, the Chapter 15 Cases are being jointly administered for procedural purposes only and all pleadings filed in the Chapter 15 cases should bear the above-referenced caption.

PLEASE TAKE FURTHER NOTICE that the Petitioners are requesting recognition of foreign main proceedings, as well as a permanent injunction and related relief.

PLEASE TAKE FURTHER NOTICE that the Petitioners seek, among other things, entry of an order giving full force and effect in the United States to a crystallization scheme of arrangement (the “Amending Scheme”) proposed by the Companies and sanctioned pursuant to Part 26 of the Companies Act 2006 of the United Kingdom, by the High Court of Justice of England and Wales, a permanent injunction and related relief.

PLEASE TAKE FURTHER NOTICE that in addition to the Petitions, the Petitioners filed, among other things: (i) the list required to be filed with each of the Scheme Companies’ Petition pursuant to Rule 1007(a)(4) of the Federal Rules of Bankruptcy Procedure (the “Bankruptcy Rules”); (ii) the Statement of Foreign Representative required to be filed with each of the Scheme Companies’ Petition pursuant to section 1515 of the Bankruptcy Code; (iii) the Verified Petition under Chapter 15 of the Bankruptcy Code for Recognition of Foreign Proceedings, a Permanent Injunction and Related Relief; (iv) the Memorandum of Law in Support of Verified Petition under Chapter 15 of the Bankru ptcy Code for Recognition of Foreign Main Proceedings, a Permanent Injunction and Related Relief; and (v) the Declaration of Joseph Bahlsen Bannister, English Counsel (collectively, the “Supporting Documents”).

PLEASE TAKE FURTHER NOTICE that pursuant to the Order Limiting Notice, Scheduling Hearing and Specifying the Form and Manner of Service of Notice, dated November 19, 2015, the Bankruptcy Court has scheduled a hearing (the “Recognition Hearing”) for January 11, 2016 at 10:00 a.m (EST) before the Honorable Shelley C. Chapman in Courtroom 623 of the Bankruptcy Court, One Bowling Green, New York, New York 10004-1408 to consider the Petitions and any responses or objections thereto.

PLEASE TAKE FURTHER NOTICE that any party in interest wishing to submit an answer, objection or response, if any, to the Petitions must do so pursuant to the Bankruptcy Code and the Local and Bankruptcy Rules, including, without limitation, Bankruptcy Rule 1011, in writing describing the basis therefore and filed with the Court electronically in accordance with General Order M-399 by registered users of the Court’s electronic case filing system, and by all other parties in interest, on a CD-ROM, preferably in Portable Document Format (PDF), Word Perfect or any other Windows-based word processing format, with a hard copy to the Chambers of the Honorable Shelley C. Chapman, United States Bankruptcy Judge, and served upon Chadbourne & Parke LLP, 1301 Avenue of the Americas, New York, New York 10019 (Attention: Francisco Vazquez) as counsel for the Petitioners so as to be received on or before 4:00 p.m. (EST) on January 4, 2016.

PLEASE TAKE FURTHER NOTICE that all parties-in-interest opposed to the Petitions or the Petitioners’ request for relief must appear at the Hearing at the time and place set forth above.

PLEASE TAKE FURTHER NOTICE that if no response or objection is timely filed and served as provided above, the Bankruptcy Court may grant the recognition and relief requested by the Petitioners without further notice or hearing.

PLEASE TAKE FURTHER NOTICE that certain policyholders of the Companies may have a policy written through a broker facility (which includes brokers covers, broker lineslips and binding authorities) and may not know the identity of the insurance company. A full list of known broker facilities is available on the Petitioners’ website (www.oicrun-offltd.com). These include, among others, the following: A.B.C. Excess (Aircraft Builders Council); A.B.C. Master Agreement (Aircraft Builders Council); A.I.A.A. Aviation Excess of Loss Reinsurance Agreement (American International Aviation Agency Inc); Alexander Howden Reinsurance Brokers Limited Marine Excess of Loss Pool; C.T. Bowring & Co Aviation Liability Line Slip (B500 Contract); C.T. Bowring General Non Marine Master Cover; C.T. Bowring Marine Master Cover; Hull & Co (UK) Ltd Line Slip HC.013; London Special Risks Liability Line Slip No. LSR056; Price Forbes Brokers Cover; Price Forbes Line Slip; Sedgwick Collins Lloyds Brokers Line Slip; Sedgwick Offshore Resources Master Drilling Rig Line Slip (M.D.R.C); Steel Burrill Jones Oil & Gas Line Slip; Willis Faber & Dumas Brokers Line Slip.

PLEASE TAKE FURTHER NOTICE that at the hearing, the Court may order the scheduling of a case management conference to consider the efficient administration of the case.

PLEASE TAKE FURTHER NOTICE that the Recognition Hearing may be adjourned from time to time without further notice other than an announcement in open court at the Recognition Hearing of the adjourned date or dates or any further adjourned hearing.

PLEASE TAKE FURTHER NOTICE that the details regarding the filing and processing of claims are set forth in the Amending Scheme, and no claims should be filed in these Chapter 15 Cases.

PLEASE TAKE FURTHER NOTICE that copies of the Petitions, the Supporting Documents, and the Amending Scheme Documents are available (1) on the Bankruptcy Court’s Electronic Case Filing System, which can be accessed from t he Bankruptcy Court’s website at https://ecf.nysb.uscourts.gov/ (a PACER login and password are required to retrieve a document), (2) on the Petitioners’ website, www.oicrun-offltd.com, or (3) upon written request to the Petitioners’ counsel addressed to: Chadbourne & Parke LLP, 1301 Avenue of the Americas, New York, New York 10019, Telephone (212) 408-5215, Facsimile (212) 541-5369, Attention: Francisco Vazquez, fvazquez@chadbourne.com.

CHADBOURNE & PARKE LLP • Counsel for the Petitioners • 1301 Avenue of the Americas New York, New York 10019 • (212) 408-5100 • Attn: Howard Seife, Esq. and Francisco Vazquez, Esq. CHADBP001.indd 1

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needs to be checked and adjusted. Often, the producer fails to pre-qualify the prospect.

Sometimes producers just are not approaching businesses that match up with continued on page 38

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Minding Your Business continued from page 37 the products the agency has expertise in writing or have competitive markets in which to place the risk. Make sure the producers are properly trained. Have them take a sales class every two or three years.

Book of Business Composition So now that the agency sales are understood, it helps to find out what exactly was sold. What is the composition of the agency’s book of business by line of business: personal, commercial, life, group benefits, program business, etc.? Calculate the average size of account for each line. Also, how much of the agency business comes from the top 10 accounts? Finally, analyze what the distribution of business is by industry.

The review should evaluate if the mix of business is healthy for the agency. Niche selling is usually more profitable, however, it is also riskier. If the agency has a lot of small accounts, the procedures in place for

selling and servicing them are critical in order to make sure the agency can make a profit. It is important to distance oneself from the book of business and objectively ask the question “is this book valuable or should its composition be changed?”

This diagnosis should also be done for each producer. Are the producers selling accounts that fit well with the agency’s book and its markets? Make sure that producers concentrate on larger accounts.

Streamlining a producer’s book by removing small and non-conforming accounts to a small accounts department or CSR to handle will work wonders in their ability to have time to focus on new sales.

Market Relations The last area to check out is the agency’s markets and the relationship with them.

This exercise should provide some fun. List all the carriers with volumes, commission

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38 | INSURANCE JOURNAL-NATIONAL December 7, 2015

rates (or commissions), loss ratios and contingents received. Analyze how the agency’s book of business stacks up with the existing markets. Compare all the carriers and the products that the agency has with the top 15 industry groups the agency writes (manufacturers, retail, contractors, etc.).

Some of the questions that should be answered include: will volume commitments be met and how will it be done, are there new markets the firm should seek out, is the volume spread too thick or too thin, is the agency maximizing profit sharing agreements?

Part of the process should include a “what if?” scenario study. What if a key market pulls out? Where would that business be moved? It will be very beneficial to seek out reputable MGAs and surplus lines carriers.

New channels need to be readily available if the market hardens.

The Final Report The final product should include all the reports previously described as well as comments on what is working well and areas for improvement. Look for a second opinion on the final findings by soliciting the input from key staff and outside advisors. Just like a report card from school, the agency review should be revised periodically throughout the year. The annual report card can be used as part of any business plan the agency may have for the New Year.

Take the time to perform an agency diagnostic. By making this effort to review agency performance there will be a noticeable improvement and the agency will enter into the strata of the high performing firms.

Mention this article to Oak & Associates for a discount offer on an Agency Report Card.

Oak is the founder of the consulting firm, Oak & Associates, based in Northern California. Schoeffler is an associate of the firm. Oak & Associates specializes in financial and management consulting for independent insurance agencies, including valuations, mergers acquisitions, sales and marketing planning as well as perpetuation planning. Phone: 707-935-6565. Email: catoak@gmail.com.

11/6/15 11:04 AM

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NATIONAL COVERAGE

MyNewMarkets Auto Repair & Service BOP with No Audit Market Detail: Shoemaker & Besser Associates Inc. (www. shoemaker-besser.com) auto repair shop BOP insurance program available with no audit. The program will accommodate auto body shops, general auto repair shops, detail shops, and auto upholstery shops; no used car dealers.

Available limits: Minimum $500,000, maximum $1 million Carrier: Utica First States: N.J., and Pa. Contact: Joe Brubaker at 717-718-8139 or e-mail: jbrubaker@shoemaker-besser.com

Inland Marine Market Detail: Branch Agency Solutions (www.branchagencysolutions.com) offers motor truck cargo, contractors equipment, cargo, EDP, contingent cargo, jewelers block, builders risk, installation floaters, medical equipment, equipment dealers, fine arts, misc. property floaters, communications equipment, warehouseman’s legal liability and valuable papers & records.

Available limits: As needed Carrier: Unable to disclose States: Ala., Calif., Fla., Ga., La., Miss., N.C., S.C., Tenn., and Texas Contact: Otie Tomlinson at 888-365-7701 or e-mail: otie@brancheagencysolutions.com

Jewelers Block Market Detail: Jewelers unBLOCKed (www.jewelers-unblocked. com) provides the underwriting and issuance of the exclusive jewelers block policy offered through the Chubb Group of Insurance Cos. The program addresses the specific challenges of the jewelry industry for jewelry retailers, designers, wholesalers and manufacturers.

Available limits: As needed Carrier: Chubb States: All states Contact: Laurette Merusi at 201-794-7705 or e-mail: lmerusi@jewelers-unblocked.com

Lawyers Professional Liability Market Detail: Eaton Professional Insurance Services (www.episi. net) specializes exclusively in professional liability, EPLI and D&O. Available limits: As needed Carrier: Various States: Calif. Only Contact: Colleen Eaton at 866-844-5202, ext. 102

Medical Equipment Market Detail: Veracity Insurance Solutions (www.veracityinsurance.com) provides coverage to risks that sell, service and repair of medical equipment including pacemakers, life support ventilation, CT and MRI scanners.

Available limits: Minimum $1 million 40 | INSURANCE JOURNAL-NATIONAL December 7, 2015

Carrier: Unable to disclose States: All states except Wash.

Contact: Veracity Insurance at 866-395-1308 or e-mail: marketing@ veracityins.com

Movers Market Detail: TCB Insurance Programs (www.tcbinspro.com) is a wholesale insurance broker with a market for household goods movers motor truck cargo coverage. Available in most states with a $50,000 maximum limit. TCB only deals with insurance agents.

Available limits: Minimum $5,000, maximum $50,000 Carrier: Unable to disclose, non-admitted States: All states Contact: Thomas Bradshaw at 574-583-8661 or e-mail: thom@tcbinspro.com

Vendor Management Services Market Detail: World Wide Specialty Programs Inc.’s (www. wwspi.com) coverage includes auto commercial-standard; blanket additional insureds; blanket waivers; care/custody/control; cyber liability, E&O; employee benefits; EPLI; fidelity; fidelity bonds; GL; identity theft; miscellaneous professional liability; nonowned & hired auto; professional liability; property; sexual misconduct liability; technology E&O; umbrella; and workers’ comp.

Available limits: As needed Carrier: Various, admitted States: All states Contact: Dorothy Taylor at 866-927-2004, ext. 114 or e-mail: dtaylor@ wwspi.com

Hedge Fund D&O/E&O Market Detail: RLA Insurance Intermediaries (www.rlainsurance. com) has an exclusive hedge fund D&O/E&O facility for hedge funds with over $100 million. Only excluded funds are funds of funds and activist funds. Also considered on a brokerage basis are private equity and hedge fund D&O/E&O placements including hard to place and EB5’s.

Available limits: Minimum $1 million, maximum $100 million Carrier: Various, admitted and non-admitted States: All states Contact: John Lanni at 617-419-2614; john.lanni@rlainsurance.com www.insurancejournal.com

Welcome to Insurance Journal’s 2015 Program Directory, Volume II. 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 Mining Co’s

Accountants/CPAs

Addiction Treatment Facilities

Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States

5Star D&O Program Coverages D&O, E&O, EPLI, Fiduciary Liab Carrier Status Non-admitted States Most States 5Star Workers’ Compensation Services Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States All Risks Ltd. Coverages Misc Professional Liab, Professional Liab Carrier Status Admitted States Most States CAMICO Coverages EPLI, Professional Liab States Most States CPA Protector Plan Coverages E&O, Professional Liab Carrier Status Admitted States Most States Herbert H. Landy Insurance Coverages BOP, D&O, Professional Liab, Workers’ Comp Carrier Status Admitted States Most States King Insurance Support Systems Coverages Professional Liab Carrier Status Non-admitted States Most States Mercer Consumer, a svc of Mercer Health & Benefits Coverages Cyber Liab, Professional Liab Carrier Status Admitted States Most States Monitor Liability Managers Coverages E&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 Most States Philadelphia Insurance Companies Coverages BOP, E&O, Identity Theft Carrier Status Admitted States All States Professional Ins. Concepts (fka Crump Prof. Concepts) Coverages E&O, EPLI, Professional Liab Carrier Status Admitted States Most States SURETY ONE Inc. Coverages Crime, Fidelity, Fidelity Bonds, Lost Note Bonds, Public Officials Carrier Status Admitted, Non-admitted States Most States Target Professional Programs Coverages Auto Comm-Standard, BOP, Business Income, Business Interruption, Care/Custody/Control, CGL, Crime, E&O, Employee Benefits, EPLI, Equipment Breakdown, Excess Liab, Fidelity, Fire, Fire Legal Liab, GL, Legal Expense Ins, Legal Liab, Liability, Nonowned & Hired Auto, Personal Liab, Property, Real & Business Personal Prop, Tax Audit, Theft, Umbrella, Workers’ Comp Carrier Status Admitted States Most States

AFC Insurance Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, Boiler & Machinery, Business Interruption, CGL, COC, Community/Social Svcs, D&O, Developmental Disabilities, Employee Benefits, Inland Marine, Misc Professional Liab, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States Irwin Siegel Agency Inc. Coverages Abuse & Molestation, Addiction Treatment, Auto Comm-Standard, Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, Community/Social Svcs, Crime, D&O, Developmental Disabilities, Excess Liab, GL, Inland Marine, Medical & Physical Rehab, Mental Health Care, Non-Profit D&O, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States Negley Associates Coverages CGL, Professional Liab Carrier Status Non-admitted States All States

Above & Underground Storage Tank Owners Access E&S Insurance Services (CA) Coverages Pollution, Pollution Liab Carrier Status Non-admitted States AZ, CA, CO, ID, NV, OR, TX, WA AmWINS Group Inc. - 80 Offices Nationwide Coverages Pollution, Pollution Liab Carrier Status Admitted, Non-admitted States Most States AmWINS Program Underwriters Coverages Pollution, Pollution Liab States All States Beacon Hill Associates Inc. Coverages CGL, E&O, Pollution States Most States Berkley Specialty Underwriting Mgrs - Environmental Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Blanket Addt’l Insureds, Blanket Waivers, CGL, Commercial Excess, Employee Benefits, Environmental Liab, GL, Int’l Coverage - Commercial, Pollution Liab, Professional Liab, Railroad Protective Liab, Transportation Pollution Liab, Umbrella, Uninsured Motorists, Uninsured Personal Injury, WC - Master Policies/ASO, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States Freberg Environmental Inc. Coverages Environmental Liab, Pollution Carrier Status Non-admitted States All States Intercorp Inc. Coverages Environmental Liab, Pollution Liab Carrier Status Admitted States Most States Midlands Coverages Business Interruption, Environmental Liab Carrier Status Non-admitted States Most States

Prime Insurance Company

Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most 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 Most States

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NIF Group Inc.

Coverages Abuse & Molestation, Addiction Treatment, Auto Comm-Standard, Boiler & Machinery, Business Income, Business Interruption, EPLI, Fiduciary Liab, Fire Legal Liab, Inland Marine, Liability, Medical & Physical Rehab, Medical Malpractice, Medical Payments, Mental Health Care, Products Liab, Professional Liab, Umbrella Carrier Status Admitted, Non-admitted States Most States Philadelphia Insurance Companies Coverages Abuse & Molestation, Addiction Treatment, Auto Comm-Standard, Auto Comm-Standard Liability, Auto CommStandard 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, Nonowned & Hired Auto, Professional Liab, Property, Real & Business Personal Prop, Sexual Misconduct Liab, Umbrella, Uninsured Motorists Carrier Status Admitted States All States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States Quaker Special Risk (Florida) Coverages Abuse & Molestation, CGL, EPLI, GL, Liability, Professional Liab, Umbrella Carrier Status Non-admitted States Most States Quaker Special Risk (Mass.)

Coverages Abuse & Molestation, CGL, EPLI, GL, Liability, Professional Liab, Umbrella Carrier Status Non-admitted States Most States

December 7, 2015 INSURANCE JOURNAL-NATIONAL REGION | N41

2015 Annual Program Directory, Volume II Quaker Special Risk (New Jersey) Coverages Abuse & Molestation, CGL, EPLI, GL, Liability, Professional Liab, Umbrella Carrier Status Non-admitted States Most States Quaker Special Risk (New York) Coverages Abuse & Molestation, CGL, EPLI, GL, Liability, Professional Liab, Umbrella Carrier Status Non-admitted States Most States

Administrative Service Org’s Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States

World Wide Specialty Programs Inc.

Coverages Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, Care/Custody/Control, Cyber Liab, E&O, Employee Benefits, EPLI, Fidelity, Fidelity Bonds, GL, Identity Theft, Misc Professional Liab, Nonowned & Hired Auto, Professional Liab, Property, Sexual Misconduct Liab, Technology E&O, Umbrella, Workers’ Comp Carrier Status Admitted States All States

Adoption Agencies Philadelphia Insurance Companies Coverages Auto Comm-Standard Liability & Phys Dmg, Boiler & Machinery, Business Income, Care/Custody/Control, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Identity Theft, Legal Expense Ins, Nonowned & Hired Auto, Personal Property, Professional Liab, Protection & Indemnity (P&I), Umbrella, Uninsured Motorists Carrier Status Admitted States All States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States RPS NIPC Coverages Auto Comm-Standard, CGL, Cyber Liab, Employee Benefits, EPLI, Excess Liab, Non-Profit D&O, Nonowned & Hired Auto, Professional Liab, Property, Sexual Misconduct Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States

Adult Care Facilities 5Star Paratransit Program Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, EPLI, Excess Liab, Umbrella, Uninsured Boaters Carrier Status Admitted States Most States Alliance of Nonprofits for Ins. Risk Retention Group Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, Business Income, Business Interruption, CGL, Community/Social Svcs, Crime, Developmental Disabilities, EPLI, Fiduciary Liab, Fire Legal Liab, Inland Marine, Liquor Liab, Mechanical Breakdown, Misc Professional Liab, Non-Profit D&O, Nonowned & Hired Auto, Sexual Misconduct Liab, Umbrella, Uninsured Motorists Carrier Status Admitted, Non-admitted States Most States AmWINS Group Inc. - 80 Offices Nationwide Coverages GL, Professional Liab, Umbrella Carrier Status Non-admitted States All States Anderson & Murison Inc. Coverages Abuse & Molestation, CGL, Professional Liab, Property Carrier Status Non-admitted States CA Burns & Wilcox - All Offices Coverages CGL, Excess Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States Charity First Insurance Services Inc. Coverages Abuse & Molestation, Auto Comm-Standard, Business Income, CGL, E&O, Property, Workers’ Comp Carrier Status Admitted States Most States CRC Insurance Services - All Offices Coverages Excess Liab, GL, Professional Liab, Property, Umbrella Carrier Status Non-admitted States Most States Insurance Programs of America Inc. Coverages Abuse & Molestation, Assault & Battery, Catastrophe, CGL, Commercial Excess, Crime, Equipment Breakdown, Excess Flood, Flood, Food Spoilage, Garage Liability, GKLL, GL, Hail, Liability, Liquor Liab, Medical Payments, Sexual Misconduct Liab, Spoilage, Umbrella, Windstorm, Workers’ Comp Carrier Status Non-admitted States Most States

Markel Specialty Coverages Abuse & Molestation, Auto Comm-Standard, Business Income, Crime, Equipment Breakdown, GL, Inland Marine, Professional Liab, Property, Umbrella Carrier Status Admitted States Most States Nonprofits Insurance Alliance of Calif.

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, Inland Marine, Liquor Liab, Mechanical Breakdown, Misc Professional Liab, Non-Profit D&O, Nonowned & Hired Auto, Umbrella, Uninsured Motorists Carrier Status Non-admitted States CA 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, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, Food Spoilage, GL, Identity Theft, Inland Marine, Legal Expense Ins, Non-Trucking Auto Liab, Nonowned & Hired Auto, Professional Liab, Property, Real & Business Personal Prop, Sexual Misconduct Liab, Umbrella, Uninsured Motorists Carrier Status Admitted, Non-admitted States All States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States Sapphire Blue Coverages CGL, Professional Liab Carrier Status Non-admitted States All States USX/S Coverages Abuse & Molestation, CGL, Commercial Excess, Cyber Liab, D&O, EPLI, Fire, Food Borne Illness, Identity Theft, Liability, Medical & Physical Rehab, Medical Malpractice, Pollution, Pollution Liab, Property, Sexual Misconduct Liab, Umbrella Carrier Status Admitted, Non-admitted States All States Worldwide Facilities LLC Coverages Abuse & Molestation, Medical, Medical & Physical Rehab, Medical Malpractice, Medicare/Medicaid Billing E&O, Mental Health Care, Umbrella Carrier Status Admitted, Nonadmitted States All States

Adult Clubs AmWINS Group Inc. - 80 Offices Nationwide Coverages Excess Liab, GL, Liquor Liab, Nonowned & Hired Auto, Umbrella Carrier Status Admitted, Non-admitted States Most States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States

Agribusinesses Agricultural Insurance Mgmt Services Coverages Auto Comm-Standard Liability, Care/Custody/Control, CGL, Commercial Excess, Equipment Breakdown, Excess Liab, Horse Mortality, Property, Umbrella Carrier Status Admitted States Most States AmWINS Group Inc. - 80 Offices Nationwide Coverages Pollution Liab, Property, Transportation Pollution Liab Carrier Status Admitted, Non-admitted States Most States Atlas General Insurance Services Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States Most States Equisure Inc. Coverages Care/Custody/Control, CGL, Professional Liab Carrier Status Admitted, Non-admitted States Most States Intercorp Inc. Coverages Environmental Liab, Pollution Liab Carrier Status Non-admitted States Most States Mark D. Fredricksen Insurance Services Coverages Auto Comm-Standard, Commercial Excess, Property Carrier Status Admitted States Most States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States

42 | INSURANCE JOURNAL-NATIONAL REGION December 7, 2015

Safehold Special Risk Coverages Business Income, Business Interruption, Catastrophe, Commercial Excess, Crime, E&O, Environmental Liab, EPLI, Equipment, Equipment Breakdown, Excess Liab, GL, Hail, Inland Marine, Liability, Mechanical Breakdown, Motor Truck Cargo, Pollution, Pollution Liab, Property, Theft, Tools & Equip, Umbrella, Workers’ Comp Carrier Status Admitted States Most States

Sierra Specialty

Coverages CGL, Inland Marine, Pollution Liab, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States Tejas American General Agency Coverages Auto Comm-Nonstandard, Auto Comm-Standard, Equipment, GL, Property Carrier Status Admitted, Non-admitted States TX Wildlife Insurance Underwriters LLC Coverages Builders Risk, CGL, Commercial Marine, Fire, Flood, GL, Liability, Livestock/Animal Mortality, Medical, Mortality, Property Carrier Status Non-admitted States Most States Winery Pak Insurance Programs Coverages Combo Personal & Commercial, Herbicide & Pesticide, Liability, Pollution Liab, Property Carrier Status Admitted States Most States

Aircraft Manufacturers Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States

Aircraft Repair/Service Atlass Insurance Group Coverages CGL, Int’l Coverage - Commercial, Legal Liab, WC Master Policies/ASO Carrier Status Admitted States Most States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States Wildlife Insurance Underwriters LLC Coverages Accident & Health, Accidental Death, Auto PersStandard, Flood, GL, Hull, Liability, Medical, Property Carrier Status Non-admitted States Most States

Airlines Atlass Insurance Group Coverages Hull, Legal Liab, Liability, Loss of Use, Medical, WC Master Policies/ASO Carrier Status Admitted States Most States

Airport Owners & Operators Atlass Insurance Group Coverages Hull, Liability, Medical Carrier Status Admitted States Most States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States

Alarm Monitoring Companies All Risks Ltd. Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Crime, Excess Liab, GL, Inland Marine, Lost Key, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Non-admitted States Most States Brownyard Group Coverages Assault & Battery, Auto Comm-Standard, Blanket Addt’l Insureds, Care/Custody/Control, CGL, Commercial Excess, Crime, E&O, Fidelity, Fire Legal Liab, GL, Inland Marine, Liability, Lost Key, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted States Most States

Brownyard Programs Ltd.

Coverages Assault & Battery, Blanket Addt’l Insureds, Care/ Custody/Control, CGL, Excess Liab, Lost Key, Professional Liab, Umbrella, Workers’ Comp Carrier Status Non-admitted States All States

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2015 Annual Program Directory, Volume II Izzo Insurance Services Inc. Coverages Auto Comm-Standard, BOP, CGL, Crime, EPLI, Fidelity Bonds, Inland Marine, Performance & Payment Bonds, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-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, Identity Theft, Legal Expense Ins, Nonowned & Hired Auto, Personal Property, Professional Liab, Protection & Indemnity (P&I), Umbrella, Uninsured Motorists Carrier Status Admitted States All States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States USG Insurance Services Inc. Coverages CGL, Excess Liab, Professional Liab, Umbrella, Workers’ Comp States Most States

Alcohol & Substance Abuse Treatment Centers AFC Insurance Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, Boiler & Machinery, Business Interruption, CGL, COC, Community/Social Svcs, D&O, Developmental Disabilities, Employee Benefits, Inland Marine, Misc Professional Liab, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States Alliance of Nonprofits for Ins. Risk Retention Group Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, Business Income, Business Interruption, CGL, Community/Social Svcs, Crime, Developmental Disabilities, EPLI, Fiduciary Liab, Fire Legal Liab, Inland Marine, Liquor Liab, Mechanical Breakdown, Misc Professional Liab, Non-Profit D&O, Nonowned & Hired Auto, Sexual Misconduct Liab, Umbrella, Uninsured Motorists Carrier Status Admitted, Non-admitted States Most States Gateway Specialty Insurance Coverages Abuse & Molestation, Crime, E&O, EPLI, GL, NonProfit D&O, Property Carrier Status Admitted, Non-admitted States Most States Irwin Siegel Agency Inc. Coverages Abuse & Molestation, Addiction Treatment, Auto Comm-Standard, Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, Community/Social Svcs, Crime, D&O, Excess Liab, GL, Inland Marine, Non-Profit D&O, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States Markel Specialty Coverages Abuse & Molestation, Accident & Health, Auto CommStandard, Crime, Equipment Breakdown, GL, Inland Marine, Kidnap/Ransom, Professional Liab, Property, Umbrella Carrier Status Admitted States Most States Negley Associates Coverages CGL, Professional Liab Carrier Status Non-admitted States All States

NIF Group Inc.

Coverages Abuse & Molestation, Addiction Treatment, Auto Comm-Nonstandard, Boiler & Machinery, Business Income, Business Interruption, Commercial Excess, Community/ Social Svcs, Crime, D&O, Developmental Disabilities, E&O, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, Inland Marine, Liability, Medical & Physical Rehab, Medical Malpractice, Mental Health Care, Professional Liab, Umbrella Carrier Status Admitted, Non-admitted States Most States Nonprofits Insurance Alliance of Calif.

Coverages Abuse & Molestation, Auto Comm-Standard, Auto PersStandard Phys Dmg, Blanket Addt’l Insureds, Business Income, Business Interruption, CGL, Community/Social Svcs, Crime, Developmental Disabilities, EPLI, Fiduciary Liab, Fire Legal Liab, Inland Marine, Liquor Liab, Mechanical Breakdown, Misc Professional Liab, Non-Profit D&O, Nonowned & Hired Auto, Sexual Misconduct Liab, Umbrella, Uninsured Motorists Carrier Status Non-admitted States CA

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Philadelphia Insurance Companies Coverages Abuse & Molestation, Auto Comm-Standard, Auto Comm-Standard Liability & Phys Dmg, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, Food Spoilage, GL, Identity Theft, Inland Marine, Legal Expense Ins, Nonowned & Hired Auto, Professional Liab, Property, Real & Business Personal Prop, Sexual Misconduct Liab, Umbrella, Uninsured Motorists Carrier Status Admitted States All States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States RPS NIPC Coverages Auto Comm-Standard, CGL, Cyber Liab, Employee Benefits, EPLI, Excess Liab, Non-Profit D&O, Nonowned & Hired Auto, Professional Liab, Property, Sexual Misconduct Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States Smith, Bell & Thompson Inc. Coverages Auto Comm-Standard Liability, Business Interruption, CGL, Crime, Employee Benefits, Equipment Breakdown, Inland Marine, Professional Liab, Property, Sexual Misconduct Liab, Umbrella Carrier Status Admitted, Non-admitted States Most States

Allied Healthcare Professionals Access E&S Insurance Services (CA) Coverages Abuse & Molestation, Cyber Liab, GL, Professional Liab Carrier Status Non-admitted States AZ, CA, CO, ID, NV, OR, TX, WA Allied Protector Plan Coverages GL, Medical Malpractice Carrier Status Non-admitted States Most States Mercer Consumer, a svc of Mercer Health & Benefits Coverages Cyber Liab, Professional Liab Carrier Status Admitted States Most States Monitor Liability Managers Coverages E&O, Medical Malpractice, Professional Liab Carrier Status Admitted States Most States Professional Program Insurance Brokerage Coverages Abuse & Molestation, BOP, GL, Liability, Personal Property, Professional Liab Carrier Status Non-admitted States Most States RPS Healthcare Coverages GL, Medical Professional, Nonowned & Hired Auto Carrier Status Admitted, Non-admitted States Most States Ultra Risk Advisors Coverages Excess Liab, Medical Malpractice, Professional Liab States All States

Amateur Sports Associations American Specialty Insurance & Risk Services Inc. Coverages Auto Comm-Standard, CGL, Crime, Employee Benefits, Excess Liab, Property Carrier Status Admitted States Most States Gales Creek Insurance, A Div of JD Fulwiler & Co. Coverages Abuse & Molestation, Auto Comm-Standard, CGL, D&O, EPLI, Umbrella Carrier Status Admitted, Non-admitted States All States Great American Ins. Group - Executive Liability Div. Coverages Community/Social Svcs, D&O, EPLI, Excess Liab, Fiduciary Liab Carrier Status Admitted States Most States

K&K Insurance Group Inc.

Coverages Abuse & Molestation, CGL, Crime, Excess Liab, Inland Marine, Participant Accident, Property Carrier Status Admitted States Most States Markel Specialty Coverages Abuse & Molestation, Accident & Health, Auto CommStandard, Crime, D&O, Equipment, Equipment Breakdown, Inland Marine, Participant Accident, Property, Umbrella Carrier Status Admitted States Most States Philadelphia Insurance Companies Coverages Abuse & Molestation, Auto Comm-Standard, Auto Comm-Standard Liability & Phys Dmg, Boiler & Machinery, Business Income & Interruption, CGL, Crime, D&O, Earthquake, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Identity Theft, Inland Marine, Legal Expense Ins, Non-Profit D&O, Nonowned & Hired Auto, Professional Liab, Property, Real & Business Personal Prop, Uninsured Motorists Carrier Status Admitted States All States

RPS Bollinger Sports & Leisure Coverages Accident & Health, CGL, Excess Liab Carrier Status Admitted States Most States Safehold Special Risk Coverages Business Income, Crime, Equipment Breakdown, Event Cancellation, Excess Liab, GL, Liability, Liquor Liab, Participant Accident, Property, Workers’ Comp Carrier Status Admitted States Most States Special Markets Ins. Consultants, an AmWINS Group Coverages Accident & Health, Liability Carrier Status Admitted States Most States Sports & Fitness Insurance Corporation (SFIC) Coverages Accident & Health, Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, BOP, CGL, Employee Benefits, Flood, GL Carrier Status Admitted, Non-admitted States All States

Ambulance Service Markel Specialty Coverages Abuse & Molestation, Auto Comm-Standard, CGL, Crime, Inland Marine, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted States Most States National Indemnity Company Coverages Auto Comm-Nonstandard, Auto Comm-Nonstandard Phys Dmg, Medical Payments, Uninsured Motorists Carrier Status Admitted, Non-admitted States Most States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States

Amusement Parks American Specialty Insurance & Risk Services Inc. Coverages Auto Comm-Standard, CGL, Crime, Employee Benefits, Excess Liab, Property Carrier Status Admitted States Most 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, Umbrella Carrier Status Admitted States All States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States T.H.E. Insurance Company Coverages Auto Comm-Standard, CGL, Crime, Equipment Breakdown, Excess Liab, Inland Marine, Nonowned & Hired Auto, Property, Workers’ Comp Carrier Status Admitted States Most States

Antique/Classic Car Collections American Modern Insurance Group Coverages Emergency Towing & Service, Liability, Medical Payments, Physical Damage, Uninsured Motorists States All States Hagerty Insurance Agency LLC Coverages Emergency Towing & Service, Liability, Medical Payments, Physical Damage, Uninsured Motorists Carrier Status Admitted States Most States Insurance Center Special Risks Ltd. Coverages Emergency Towing & Service, Liability, Medical Payments, Physical Damage, Uninsured Motorists Carrier Status Admitted States CT, MA, ME, NH, NY, PA, RI, VT Philadelphia Insurance Companies Coverages Completed Operations Liab, Garage Liability, Inland Marine, Property, Umbrella Carrier Status Admitted States All States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States South & Western General Agency Inc. Coverages Auto Pers-Standard, Auto Pers-Standard Phys Dmg Carrier Status Admitted States AR, MS, NM, OK, TN, TX

December 7, 2015 INSURANCE JOURNAL-NATIONAL REGION | N43

2015 Annual Program Directory, Volume II Apartment Building Owners 5Star Workers’ Compensation Services Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States Advanced E&S Group - Midwest Region Coverages Apartment House Package, Boiler & Machinery, Business Income, CGL, Excess Liab, Fire, GL, Property, Real & Business Personal Prop, Theft, Umbrella Carrier Status Admitted, Non-admitted States CT, FL, IA, IL, IN, KS, KY, MI, MN, MO, NE, NJ, NY, OH, PA, VA, WI American Underwriting Managers Coverages Business Income, CGL, Property, Umbrella, Windstorm Carrier Status Non-admitted States AR, LA, NM, TX AmWINS Group Inc. - 80 Offices Nationwide Coverages GL, Pollution Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States Anderson & Murison Inc. Coverages Apartment House Package, Earthquake Carrier Status Non-admitted States CA Appleby & Sterling Coverages Boiler & Machinery, Earthquake, GL, Property Carrier Status Admitted States AZ, CA, NV Burns & Wilcox - All Offices Coverages CGL, Excess Liab, Inland Marine, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States CIBA Insurance Services Coverages Apartment House Package, Boiler & Machinery, Builders Risk, Business Income, Commercial Excess, Crime, D&O, Earthquake, GL, Lessor Only Excess Liab, Liability, Property, Residential Property Carrier Status Non-admitted States Most States Crouse & Associates Coverages Difference in Conditions, Property Carrier Status Admitted States All States Crusader Insurance Company Coverages GL, Property Carrier Status Admitted States CA

Empire Underwriters LLC

Coverages Apartment House Package, Commercial Excess, GL, Pollution Liab, Property, Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted, Non-admitted States Most States International Excess Companies Coverages Apartment House Package, Business Income, Business Interruption, CGL, Commercial Excess, EPLI, Excess Liab, Fire, GL, Inland Marine, Liability, Property, Tenant Discrimination, Umbrella Carrier Status Admitted, Non-admitted States Most States International Excess Program Managers Coverages GL, Inland Marine, Property Carrier Status Non-admitted States Most States IPC Coverages Apartment House Package, Business Income, CGL, GL Carrier Status Non-admitted States AZ, CA, ID, NV, OR, WA Lancer Indemnity Company Coverages Flood, GL, Property Carrier Status Admitted States NJ, NY, PA Logic Underwriters Inc. Coverages GL, Property Carrier Status Non-admitted States TX M.J. Hall & Company Inc. Coverages Business Income, CGL, COC, Property Carrier Status Admitted, Non-admitted States AK, AZ, CA, HI, NV McClelland and Hine Inc. Coverages Apartment House Package, Fire, Liability, Umbrella Carrier Status Non-admitted States TX Monarch E&S Insurance Services Coverages GL, Property Carrier Status Admitted States CA 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 New Empire Group Coverages Cyber Liab, Pollution, Umbrella 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, Identity Theft, Legal Expense Ins, Nonowned & Hired Auto, Personal Property, Professional Liab, Protection & Indemnity (P&I), Umbrella, Uninsured Motorists Carrier Status Admitted States All States Preferred Concepts LLC Coverages Auto Comm-Standard, Boiler & Machinery, CGL, Crime, Garage Keepers Legal Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States Preferred Property Programs Coverages Boiler & Machinery, Commercial Excess, Environmental Liab, Equipment Breakdown, Umbrella Carrier Status Admitted States Most States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States Scottish American Coverages Apartment House Package, CGL, Difference in Conditions, Property Carrier Status Admitted, Non-admitted States CA South Texas General Insurance Agency Coverages CGL, Property Carrier Status Non-admitted States TX 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 Programs & Facilities Managers (AmWINS) Coverages Liability, Pollution Liab, Property, Umbrella Carrier Status Admitted States AZ, CA, NV

Swett & Crawford

Coverages Apartment House Package, Assault & Battery, Boiler & Machinery, CGL, Excess Liab, Fire, GL, Property, Tenant Discrimination, Theft, Umbrella Carrier Status Admitted, Nonadmitted States Most States TAPCO Underwriters Inc. Coverages Apartment House Package, Assault & Battery, Business Income, GL, Property Carrier Status Non-admitted States Most States The McGowan Companies Coverages Commercial Excess, Excess Liab, Umbrella Carrier Status Admitted States All States UCA General Insurance Services Coverages Business Income, Crime, Cyber Liab, EPLI, Equipment Breakdown, Fidelity, Fire Legal Liab, GL, Inland Marine, Medical Payments, Property, Umbrella Carrier Status Admitted States AZ, CA, ID, IL, NV, OR, UT, WA, WI Unifax Insurance Systems Inc. Coverages GL, Property Carrier Status Admitted States CA Vilage & Company LLC Coverages CGL, Umbrella Carrier Status Admitted, Non-admitted States Most States Western Security Surplus Insurance Brokers Inc. 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 CA, TX

Appraisers 5Star Workers’ Compensation Services Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States Herbert H. Landy Insurance Coverages BOP, E&O, Professional Liab, Workers’ Comp Carrier Status Admitted States Most States

Intercorp Inc.

Coverages BOP, E&O Carrier Status Admitted, Non-admitted States Most States Mercer Consumer, a svc of Mercer Health & Benefits Coverages Cyber Liab, E&O Carrier Status Admitted States Most States

44 | INSURANCE JOURNAL-NATIONAL REGION December 7, 2015

Architects & Engineers 5Star Workers’ Compensation Services Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States Access E&S Insurance Services (CA) Coverages Cyber Liab, GL, Professional Liab Carrier Status Admitted, Non-admitted States AZ, CA, CO, ID, NV, OR, TX, WA Access E&S Insurance Services (VA) Coverages Environmental Liab, Excess Liab, Liability, Professional Liab Carrier Status Admitted, Non-admitted States AR, DE, GA, IL, MD, NC, NJ, NY, OH, PA, SC, TN, TX, VA, DC All Risks Ltd. Coverages Professional Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States American Professional Liability Underwriters Inc. Coverages D&O, EPLI, Professional Liab Carrier Status Admitted, Non-admitted States AL, FL, GA, MI, MS, NC, NY, TX Arrowhead General Insurance Agency Inc. Coverages E&O, Professional Liab Carrier Status Admitted States All States Burns & Wilcox - All Offices Coverages CGL, Environmental Liab, Excess Liab, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States CRES Insurance Services Coverages GL, Professional Liab Carrier Status Non-admitted States Most States Euclid Architects & Engineers and Euclid Public Sector Coverages Cyber Liab, Excess Liab, Legal Liab, Professional Liab Carrier Status Admitted, Non-admitted States Most States Freberg Environmental Inc. Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Commercial Excess, E&O, Environmental Liab, EPLI, GL, Nonowned & Hired Auto, Pollution, Pollution Liab, Professional Liab, Transportation Pollution Liab, Umbrella Carrier Status Non-admitted States All States HCC Specialty Coverages E&O, Professional Liab Carrier Status Admitted, Non-admitted States All States

Intercorp Inc.

Coverages Professional Liab Carrier Status Admitted, Non-admitted States Most States International Excess Companies Coverages E&O, EPLI, Professional Liab Carrier Status Non-admitted States Most States Johnson & Johnson Coverages Cyber Liab, E&O, EPLI, Kidnap/Ransom, Professional Liab Carrier Status Non-admitted States Most States King Insurance Support Systems Coverages Professional Liab Carrier Status Non-admitted States Most States Mercer Consumer, a svc of Mercer Health & Benefits Coverages Cyber Liab, Professional Liab Carrier Status Admitted, Non-admitted States Most States NeitClem Wholesale Insurance Brokerage Inc. Coverages Excess Liab, Professional Liab Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX Professional Ins. Concepts (fka Crump Prof. Concepts) Coverages E&O, EPLI, Professional Liab Carrier Status Admitted States Most States Professional Underwriters Agency Inc. Coverages Pollution Liab, Professional Liab Carrier Status Admitted, Non-admitted States Most States Quaker Special Risk (Florida) Coverages Pollution Liab, Professional Liab, Umbrella Carrier Status Non-admitted States Most States Quaker Special Risk (Mass.)

Coverages Pollution Liab, Professional Liab, Umbrella Carrier Status Non-admitted States Most States Quaker Special Risk (New Jersey) Coverages Pollution Liab, Professional Liab, Umbrella Carrier Status Non-admitted States Most States Quaker Special Risk (New York) Coverages Pollution Liab, Professional Liab, Umbrella Carrier Status Non-admitted States Most States

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2015 Annual Program Directory, Volume II RPS - Executive Lines Division Coverages Crime, Cyber Liab, D&O, E&O, EPLI, Fidelity, Kidnap/ Ransom Carrier Status Admitted, Non-admitted States Most States Target Professional Programs Coverages E&O, Professional Liab Carrier Status Non-admitted States Most States Victor O. Schinnerer & Co. Coverages Auto Comm-Standard, BOP, D&O, E&O, EPLI, Fiduciary Liab, GL, Inland Marine, Kidnap/Ransom, Pollution, Professional Liab, Property, Workers’ Comp Carrier Status Non-admitted States Most States

Armored Car Services Brownyard Programs Ltd. Coverages Assault & Battery, Blanket Addt’l Insureds, CGL, E&O, Excess Liab, Umbrella Carrier Status Non-admitted States All States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States

The Mechanic Group Inc.

Coverages CGL, Commercial Excess, Contractors License Bonds, D&O, E&O, EPLI, Fidelity Bonds, Liability, Umbrella, Workers’ Comp Carrier Status Non-admitted States Most States

Art and/or Antique Gallery Markel Specialty Coverages Auto Comm-Standard, Blanket Addit’l Insureds, Boiler & Machinery, Business Income, Crime, Cyber Liab, D&O, Earthquake, Employee Benefits, EPLI, Equip Breakdown, Fine Arts, Fire, Flood, GL, Hail, Historic Bldgs/Unique Property, Hurricane, Inland Marine, Liability, Liquor Liab, Mechanical Breakdown, Non-Profit D&O, Nonowned & Hired Auto, Professional Liab, Property, Theft, Umbrella, Windstorm, WC Carrier Status Admitted States All States except HI MarketScout Coverages Earthquake, Fine Arts, Inland Marine, Mysterious Disappearance, Windstorm Carrier Status Admitted, Non-admitted States Most States

Asset Managers 5Star Workers’ Compensation Services Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States Preferred Concepts LLC Coverages Auto Comm-Standard, Boiler & Machinery, CGL, Crime, Garage Keepers Legal Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States

Assisted Living Centers 5Star Paratransit Program Coverages Auto Pers-Standard, Auto Pers-Standard Phys Dmg, EPLI, Excess Liab, Umbrella, Uninsured Motorists Carrier Status Admitted, Non-admitted States Most States All Risks Ltd. Coverages Abuse & Molestation, Employee Benefits, GL, Nonowned & Hired Auto, Professional Liab, Property Carrier Status Non-admitted States Most States AmWINS Program Underwriters Coverages Abuse & Molestation, GL, Professional Liab, Umbrella Carrier Status Non-admitted States Most States Bass Underwriters Coverages GL, Professional Liab, Property Carrier Status Nonadmitted States AL, AR, AZ, CA, CT, FL, GA, LA, MA, ME, MS, NC, NJ, NV, NY, OH, OK, OR, PA, RI, SC, TN, TX, VA CRC Insurance Services - All Offices Coverages Excess Liab, GL, Professional Liab, Property, Umbrella Carrier Status Non-admitted States Most States

Empire Underwriters LLC

Coverages Commercial Excess, GL, Property, Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted, Non-admitted States Most States Evolution Insurance Brokers Coverages Abuse & Molestation, D&O, Fire, Legal Liab, Liability, Professional Liab Carrier Status Non-admitted States Most States

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Glatfelter Healthcare Practice Coverages Auto Comm-Standard Liability, GL, Professional Liab, Property, Umbrella Carrier Status Admitted States Most States Insurance Programs of America Inc. Coverages Abuse & Molestation, Assault & Battery, Boiler & Machinery, CGL, Earthquake, Equipment Breakdown, Excess Flood, GL, Hurricane, Liability, Liquor Liab, Property, Weather, Windstorm Carrier Status Non-admitted States Most States Philadelphia Insurance Companies Coverages Auto Comm-Standard, GL, Property, Umbrella Carrier Status Admitted States All States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States RPS Healthcare Coverages D&O, EPLI, Excess Liab, GL, Professional Liab, Property Carrier Status Admitted, Non-admitted States Most States Sapphire Blue Coverages CGL, Professional Liab Carrier Status Non-admitted States All States Tejas American General Agency Coverages Auto Comm-Nonstandard, GL, Professional Liab, Property Carrier Status Non-admitted States TX U.S. Risk Insurance Group Inc. Coverages GL, Professional Liab Carrier Status Non-admitted States All States

Associations/Affinity Groups Centurion Insurance Group Coverages D&O, E&O, EPLI, Fidelity, Fiduciary Liab, Kidnap/ Ransom, Umbrella Carrier Status Admitted States All States CIBA Insurance Services Coverages Apartment House Package, Boiler & Machinery, Builders Risk, Business Income, Commercial Excess, Crime, D&O, Earthquake, GL, Lessor Only Excess Liab, Liability, Property, Residential Property Carrier Status Non-admitted States Most States Great American Ins. Group - Executive Liability Div. Coverages Community/Social Svcs, D&O, EPLI, Excess Liab, Fiduciary Liab Carrier Status Admitted States Most States Intercorp Inc. Coverages BOP, EPLI, Workers’ Comp Carrier Status Admitted, Non-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, Identity Theft, Legal Expense Ins, Nonowned & Hired Auto, Personal Property, Professional Liab, Protection & Indemnity (P&I), Umbrella, Uninsured Motorists Carrier Status Admitted States All States Professional Ins. Concepts (fka Crump Prof. Concepts) Coverages E&O, EPLI, Professional Liab Carrier Status Admitted States Most States R.V. Nuccio & Associates Inc. Coverages Accidental Death, CGL, Crime, EPLI, Event Cancellation, Fidelity, Inland Marine, Medical Payments, Non-Profit D&O, Trade Shows & Festivals, Weather Carrier Status Admitted States Most States Target Professional Programs Coverages E&O, EPLI Carrier Status Admitted States Most States

Attorneys 5Star Workers’ Compensation Services Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States Centurion Insurance Group Coverages Disability, Professional Liab Carrier Status Admitted States All States Continental Brokers Inc. Coverages Auto Comm-Standard, BOP, Business Interruption, Combo Personal & Commercial, EPLI, Flood, Glass, Legal Expense Ins, Legal Malpractice, Medical, Property, Umbrella Carrier Status Admitted States Most States

JLT Facilities Inc. Coverages Cyber Liab, E&O, Professional Liab Carrier Status Admitted, Non-admitted States Most States Lawyer’s Protector PlanÆ Coverages E&O, Legal Liab, Legal Malpractice, Professional Liab Carrier Status Admitted States Most States Mercer Consumer, a svc of Mercer Health & Benefits Coverages Cyber Liab, Professional Liab Carrier Status Admitted, Non-admitted States Most States Monitor Liability Managers Coverages E&O, EPLI, Professional Liab Carrier Status Admitted, Non-admitted States Most States Number One Insurance Agency Coverages Excess Liab, Professional Liab Carrier Status Admitted, Non-admitted States MA Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States Rockwood Programs Inc. Coverages Cyber Liab, EPLI, Identity Theft, Professional Liab Carrier Status Admitted, Non-admitted States Most 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 Prop, Theft, Umbrella, Workers’ Comp Carrier Status Admitted States Most States

Auctioneers Intercorp Inc. Coverages Professional Liab Carrier Status Admitted, Non-admitted States Most States IT Risk Managers Inc. Coverages Care/Custody/Control, E&O, GL Carrier Status Non-admitted States All States Markel Specialty Coverages Auto Comm-Standard, Blanket Addit’l Insureds, Boiler & Machinery, Business Income, Crime, Cyber Liab, D&O, Earthquake, Employee Benefits, EPLI, Equip Breakdown, Fine Arts, Fire, Flood, GL, Hail, Historic Bldgs/Unique Property, Hurricane, Inland Marine, Liability, Liquor Liab, Mechanical Breakdown, Non-Profit D&O, Nonowned & Hired Auto, Professional Liab, Property, Theft, Umbrella, Windstorm, WC Carrier Status Admitted States All States except HI Philadelphia Insurance Companies Coverages Auto Comm-Standard Liability & Phys Dmg, Business Income, Care/Custody/Control, CGL, Crime, D&O, Employee Benefits, EPLI, Fiduciary Liab, GL, Identity Theft, Legal Expense Ins, Nonowned & Hired Auto, Personal Property, Professional Liab, Protection & Indemnity (P&I), Umbrella, Uninsured Motorists Carrier Status Admitted States All States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States

Auto Body Shops 5Star Garage Services & Auto Dealers Program Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, EPLI, Fire Legal Liab, Garage Keepers Legal Liab, Garage Liability, Legal Liab, Nonowned & Hired Auto, Property, Uninsured Motorists, Workers’ Comp Carrier Status Admitted States Most States 5Star Workers’ Compensation Services Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States Crusader Insurance Company Coverages GL, Property Carrier Status Admitted States CA DMI Insurance Services Coverages Business Income, Completed Operations Liab, Crime, Employee Benefits, Equipment Breakdown, Fire, Fire Legal Liab, Garage Keepers Legal Liab, Garage Liability, Inland Marine, Nonowned & Hired Auto, Personal Property, Physical Damage, Products Liab, Property, Real & Business Personal Prop, Tools & Equip Carrier Status Admitted States Most States

December 7, 2015 INSURANCE JOURNAL-NATIONAL REGION | N45

2015 Annual Program Directory, Volume II GMI Insurance Services Coverages Auto Comm-Standard, Auto Comm-Standard Liability Carrier Status Admitted States Most 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 Most States NeitClem Wholesale Insurance Brokerage Inc. Coverages GL, Property Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX Platinum Program Managers & Insurance Services Inc. Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States AK, AZ, CA, CO, ID, MT, NM, NV, OR, UT PMC Insurance Group Coverages Workers’ Comp Carrier Status Admitted States Most States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States RoamNet Insurance Marketing Programs Coverages BOP, EPLI, Fire Legal Liab, Garage Keepers Legal Liab, GL, Tools & Equip, Workers’ Comp Carrier Status Admitted States AZ, CA, CO, GA, IL, MA, ME, MI, NH, NJ, NV, NY, OR, PA, TX, UT, VA, WA South Texas General Insurance Agency Coverages GL, Property Carrier Status Non-admitted States 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 Most States

Auto Dealers 5Star D&O Program Coverages D&O, EPLI, Fiduciary Liab Carrier Status Admitted States Most States All Risks Ltd. Coverages Physical Damage, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Non-admitted States Most States DMI Insurance Services Coverages Business Income, Crime, Dealers Open Lot, Employee Benefits, Equipment Breakdown, Fire, Fire Legal Liab, Garage Keepers Legal Liab, Garage Liability, Inland Marine, NonTrucking Auto Liab, Nonowned & Hired Auto, Physical Damage, Products Liab, Property, Real & Business Personal Prop, Tools & Equip, Uninsured Motorists, Uninsured Personal Injury Carrier Status Admitted States Most States Gerald J. Wilkoff Inc. Coverages Crime, Fidelity, Fidelity Bonds Carrier Status Admitted States Most States Lancer Insurance Company Coverages Dealers Open Lot, Garage Liability Carrier Status Non-admitted States CT, NY, PA M.J. Kelly Company Coverages Dealers Open Lot, Fidelity Bonds, Fire Legal Liab, Garage Liability, GKLL, Medical Payments, Uninsured Motorists States AR, CO, FL, IA, ID, IL, KS, MO, MS, MT, NM, OK, TN, TX, UT N-Surance Outlets Inc. (Florida) Coverages Dealers Open Lot, Fire Legal Liab, Garage Liability, GKLL, Medical Payments, Property, Uninsured Motorists Carrier Status Non-admitted States AL, FL, GA, LA, TN N-Surance Outlets Inc. (Georgia) Coverages Dealers Open Lot, Garage Liability Carrier Status Non-admitted States GA, LA, TN Personal Safeguards Group LLC Coverages Product Extended Warranty, Service Contracts, Warranties, Extended Carrier Status Admitted States Most States Platinum Program Managers & Insurance Services Inc. Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States AK, AZ, CA, CO, ID, MT, NM, NV, OR, UT

Prime Insurance Company

Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States

RoamNet Insurance Marketing Programs Coverages GL, Workers’ Comp States AZ, CA, CO, GA, IL, MA, ME, MI, NH, NJ, NV, NY, OR, PA, TX, UT, VA, WA Rockwood Programs Inc. Coverages Cyber Liab, EPLI, Identity Theft, Professional Liab Carrier Status Admitted, Non-admitted States Most States Roush Insurance Services Inc. Coverages Auto Comm-Nonstandard Phys Dmg, BOP, Business Income, Business Interruption, Care/Custody/Control, Cargo, CGL, Commercial Excess, Crime, D&O, Dealers Open Lot, E&O, Emergency Towing & Service, EPLI, Excess Liab, Fidelity, Fiduciary Liab, Fire, Fire Legal Liab, Garage Liability, GKLL, GL, Glass, Inland Marine, Interim Car Liab/Phys Dmg, Liability, Mechanical Breakdown, Misc Professional Liab, Motor Truck Cargo, Non-Trucking Auto Liab, Nonowned & Hired Auto, On-Hook Cargo, Physical Damage, Property, Theft, Tools & Equip, Truck Auto Liab Carrier Status Admitted, Non-admitted States IL, IN, OH RSI International (Missouri); dba Walter General Agency Coverages Dealers Open Lot, Excess Liab, Garage Keepers Legal Liab, Garage Liability, GKLL, Medical Payments, Property, Umbrella, Uninsured Motorists Carrier Status Non-admitted States AR, MO, OK Target Managers Insurance Services Coverages EPLI, Workers’ Comp Carrier Status Admitted States Most States USG Insurance Services Inc. Coverages D&O, Dealers Open Lot, E&O, EPLI, Garage Keepers Legal Liab, Garage Liability, Umbrella Carrier Status Admitted, Non-admitted States Most States V3 Insurance Partners LLC Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Business Interruption, Crime, Dealers Open Lot, E&O, Garage Liability, GKLL, Identity Theft, Inland Marine, Nonowned & Hired Auto, Property, Umbrella, Uninsured Motorists Carrier Status Admitted States Most States Victor O. Schinnerer & Co. Coverages D&O, Dealers Open Lot, EPLI, Fiduciary Liab, Garage Keepers Legal Liab, Garage Liability, GL, Pollution Liab, Property Carrier Status Admitted, Non-admitted States Most States Williams & Stazzone Insurance Agency Inc. Coverages Dealers Open Lot, Garage Liability, Interim Car Liab/ Phys Dmg, Lessor Only Excess Liab, Lessors Contingent Liab, Lessors Contingent Phys Dmg Carrier Status Admitted States DE, FL, GA, MO, NC, NJ, NY, PA Willis Programs Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Crime, Dealers Open Lot, EPLI, Garage Liability, GL, Property, Umbrella Carrier Status Admitted States Most States

Auto Dismantlers/Wrecking Yards G.J. Sullivan Company (Orange) Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Business Income, Business Interruption, CGL, Crime, Dealers Open Lot, Employee Benefits, EPLI, Equipment, Fidelity, Fire, Garage Keepers Legal Liab, Garage Liability, GL, Identity Theft, Inland Marine, Motor Truck Cargo, Nonowned & Hired Auto, On-Hook Cargo, Property, Real & Business Personal Prop, Theft, Tools & Equip, Umbrella, Uninsured Motorists, Workers’ Comp Carrier Status Admitted States Most States KBK Insurance Group Inc. Coverages Dealers Open Lot, Garage Keepers Legal Liab, GL, On-Hook Cargo, Property, Umbrella Carrier Status Admitted States Most States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States

Auto Repair Shops/Garages All Risks Ltd. Coverages Crime, Garage Keepers Legal Liab, Garage Liability, Medical Payments, Physical Damage, Professional Liab, Uninsured Motorists, Workers’ Comp Carrier Status Admitted States Most States Ashley General Agency Coverages Garage Keepers Legal Liab, Garage Liability, GKLL Carrier Status Non-admitted States TX

46 | INSURANCE JOURNAL-NATIONAL REGION December 7, 2015

Bass Underwriters Coverages Dealers Open Lot, Garage Keepers Legal Liab Carrier Status Non-admitted States AL, AR, AZ, CA, CT, FL, GA, LA, MA, ME, MS, NC, NJ, NV, NY, OH, OK, OR, PA, RI, SC, TN, TX, VA Brecht & Associates Coverages Auto Comm-Standard, Auto Comm-Standard Phys Dmg, Commercial Excess, Garage Liability, GKLL, Medical Payments, Property, Tools & Equip, Umbrella, Uninsured Motorists Carrier Status Non-admitted States TX Compass Insurance Group of Agencies Coverages Garage Liability, GKLL, GL, Property Carrier Status Non-admitted States CA CRES Insurance Services Coverages Garage Liability, GKLL Carrier Status Admitted States CA DMI Insurance Services Coverages Business Income, Completed Operations Liab, Crime, Employee Benefits, Equipment Breakdown, Fire, Fire Legal Liab, Garage Keepers Legal Liab, Garage Liability, Inland Marine, Nonowned & Hired Auto, Personal Property, Physical Damage, Products Liab, Property, Real & Business Personal Prop, Tools & Equip Carrier Status Admitted States Most States GMI Insurance Services Coverages Auto Comm-Standard, Auto Comm-Standard Liability Carrier Status Admitted States Most States KBK Insurance Group Inc. Coverages Dealers Open Lot, Garage Keepers Legal Liab, GL, On-Hook Cargo, Property, Umbrella Carrier Status Admitted States Most States Lancer Insurance Company Coverages Garage Keepers Legal Liab, Garage Liability, GKLL Carrier Status Admitted, Non-admitted States NJ, NY M.J. Hall & Company Inc. Coverages Auto Comm-Nonstandard, Auto Comm-Nonstandard Phys Dmg, Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Business Income, Commercial Excess, Excess Liab, Fire, Garage Liability, GKLL, Medical Payments, Property, Real & Business Personal Prop, Truck Auto Liab Carrier Status Non-admitted States AK, AZ, CA, NV M.J. Kelly Company Coverages Auto Comm-Standard, Fire Legal Liab, Garage Liability, GKLL, Medical Payments, Property States AR, CO, FL, IA, ID, IL, KS, MO, MS, MT, NM, OK, TN, TX, UT McClelland and Hine Inc. Coverages Fire, Garage Keepers Legal Liab, Garage Liability, Umbrella Carrier Status Non-admitted States TX N-Surance Outlets Inc. (Florida) Coverages Fire Legal Liab, Garage Liability, GKLL, Medical Payments, Property Carrier Status Non-admitted States AL, FL, GA, LA, TN N-Surance Outlets Inc. (Georgia) Coverages Garage Liability, GKLL Carrier Status Non-admitted States GA, LA, TN Platinum Program Managers & Insurance Services Inc. Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States AK, AZ, CA, CO, ID, MT, NM, NV, OR, UT

Prime Insurance Company

Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States RoamNet Insurance Marketing Programs Coverages BOP, EPLI, Fire Legal Liab, Garage Keepers Legal Liab, GL, Tools & Equip, Workers’ Comp Carrier Status Admitted States AZ, CA, CO, GA, IL, MA, ME, MI, NH, NJ, NV, NY, OR, PA, TX, UT, VA, WA RSI International (Missouri); dba Walter General Agency Coverages Commercial Excess, Excess Liab, Garage Keepers Legal Liab, Garage Liability, GKLL, Medical Payments, Property, Umbrella, Uninsured Motorists Carrier Status Non-admitted States AR, IL, MO, OK 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 Most States www.insurancejournal.com

2015 Annual Program Directory, Volume II Tejas American General Agency Coverages Auto Comm-Nonstandard, Garage Liability, GL, Property Carrier Status Non-admitted States TX Unifax Insurance Systems Inc. Coverages GL, Property Carrier Status Admitted States CA USG Insurance Services Inc. Coverages D&O, Dealers Open Lot, E&O, EPLI, Garage Keepers Legal Liab, Garage Liability, Umbrella Carrier Status Admitted, Non-admitted States Most States

Auto Repair/Service 5Star Garage Services & Auto Dealers Program Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, EPLI, Fire Legal Liab, Garage Keepers Legal Liab, Garage Liability, GL, Property, Uninsured Motorists, Workers’ Comp Carrier Status Non-admitted States Most States All Risks Ltd. Coverages Garage Keepers Legal Liab, Garage Liability, Workers’ Comp Carrier Status Admitted States Most States Appleby & Sterling Coverages BOP, Business Income, CGL, Crime Carrier Status Admitted States AZ, CA, NV Applied Underwriters Inc. Coverages EPLI, Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States Most States Atlas General Insurance Services Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States Most States CID Insurance Programs Inc. Coverages CGL, Dealers Open Lot, Garage Keepers Legal Liab, Garage Liability, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States CA, CO, NM, OR, TX CRES Insurance Services Coverages Garage Liability, GKLL Carrier Status Admitted States CA DMI Insurance Services Coverages Business Income, Completed Operations Liab, Crime, Employee Benefits, Equipment Breakdown, Fire, Fire Legal Liab, Garage Keepers Legal Liab, Garage Liability, Inland Marine, Nonowned & Hired Auto, Personal Property, Physical Damage, Products Liab, Property, Real & Business Personal Prop, Tools & Equip Carrier Status Admitted States Most States GMI Insurance Services Coverages Auto Comm-Standard, Auto Comm-Standard Liability Carrier Status Admitted States Most States KBK Insurance Group Inc. Coverages Dealers Open Lot, Garage Keepers Legal Liab, GL, On-Hook Cargo, Property, Umbrella Carrier Status Admitted States Most States Lancer Insurance Company Coverages Garage Keepers Legal Liab, Garage Liability, GKLL Carrier Status Admitted, Non-admitted States NJ, NY Platinum Program Managers & Insurance Services Inc. Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States AK, AZ, CA, CO, ID, MT, NM, NV, OR, UT Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States RoamNet Insurance Marketing Programs Coverages BOP, EPLI, Fire Legal Liab, Garage Keepers Legal Liab, GL, Tools & Equip, Workers’ Comp Carrier Status Admitted States AZ, CA, CO, GA, IL, MA, ME, MI, NH, NJ, NV, NY, OR, PA, TX, UT, VA, WA Target Managers Insurance Services Coverages Auto Comm-Standard, BOP, EPLI, Garage Liability, GKLL, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States

Auto Repossessors Gerald J. Wilkoff Inc. Coverages Crime, Fidelity, Fidelity Bonds Carrier Status Admitted States Most States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States www.insurancejournal.com

Trinity Transportation Services Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Commercial Excess, Commercial Marine, Garage Keepers Legal Liab, Inland Marine, On-Hook Cargo, Wrongful Repo Carrier Status Admitted States Most States

Auto Transporters Brightstone Delivery Insurance LLC Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Bailee/Customer Goods, Blanket Addt’l Insureds, Boiler & Machinery, BOP, Cargo, CGL, E&O, Equipment Breakdown, GL, Inland Marine, Liability, Motor Truck Cargo, Nonowned & Hired Auto, Pollution, Property, Umbrella, Uninsured Motorists, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States Guardian Insurance Wholesalers Inc. Coverages Cargo, CGL, Liability, Physical Damage, Workers’ Comp Carrier Status Admitted States All States KBK Insurance Group Inc. Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Garage Keepers Legal Liab, GL, On-Hook Cargo, Property Carrier Status Admitted States Most States Lancer Insurance Company Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg Carrier Status Admitted States NJ, NY MAXIMUM Coverages Auto Comm-Nonstandard, Auto Comm-Nonstandard Phys Dmg, Auto Comm-Standard, Cargo, Dealers Open Lot, GL, Hail, Inland Marine, Theft, Truck Auto Liab, Umbrella Carrier Status Non-admitted States Most States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States

Auto/Truck Dealers - Franchised All Risks Ltd. Coverages Physical Damage, Workers’ Comp Carrier Status Non-admitted States Most States Platinum Program Managers & Insurance Services Inc. Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States AK, AZ, CA, CO, ID, MT, NM, NV, OR, UT Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented 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

Auto/Truck Leasing Firms GMI Insurance Services Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Garage Liability, GL, Property Carrier Status Admitted States Most States Philadelphia Insurance Companies Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Excess Liab, Uninsured Motorists Carrier Status Admitted States Most States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States

Williams & Stazzone Insurance Agency Inc.

Coverages CGL, Dealers Open Lot, E&O, Garage Keepers Legal Liab, Garage Liability, Interim Car Liab/Phys Dmg, Lessor Only Excess Liab, Lessors Contingent Liab, Lessors Contingent Phys Dmg, Property, Umbrella Carrier Status Admitted States Most States

Auto/Truck Rental Firms GMI Insurance Services Coverages Interim Car Liab/Phys Dmg, Lessor Only Excess Liab, Lessors Contingent Liab, Lessors Contingent Phys Dmg Carrier Status Admitted States Most States

Philadelphia Insurance Companies

Coverages Physical Damage, Physical Damage Rental Units Carrier Status Admitted States All States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States V3 Insurance Partners LLC Coverages Auto Comm-Standard Liability, Business Interruption, CGL, Commercial Excess, Crime, Fire Legal Liab, GKLL, Inland Marine, Personal Property, Property, Umbrella, Uninsured Motorists Carrier Status Admitted States Most States Williams & Stazzone Insurance Agency Inc. Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Dealers Open Lot, Garage Keepers Legal Liab, Garage Liability, GL, Interim Car Liab/Phys Dmg, Lessor Only Excess Liab, Lessors Contingent Liab, Lessors Contingent Phys Dmg Carrier Status Admitted States Most States

Avian Flu/Poultry Insurance Program All Risks Ltd. Coverages Addt’l Expense, Barn Preparation, Bird Replacement, Business Interruption, Clean Up Costs Carrier Status Non-admitted States Most States

Bail Bond Agents Fox Point Programs Coverages E&O, GL, Professional Liab Carrier Status Non-admitted States Most States Poindexter Surety Services Coverages Fidelity, Fidelity Bonds Carrier Status Admitted States Most States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States SURETY ONE Inc. Coverages Crime, Fidelity, Fidelity Bonds, Lost Note Bonds Carrier Status Admitted, Non-admitted States Most States

Bars/Taverns Advanced E&S Group - Midwest Region Coverages Assault & Battery, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, Equipment Breakdown, Excess Liab, Fire, GL, Liability, Liquor Liab, Property, Real & Business Personal Prop, Spoilage, Theft, Umbrella Carrier Status Non-admitted States IA, IL, IN, KS, KY, MI, MN, MO, NE, OH, WI American Underwriting Managers Coverages Business Income, CGL, Liquor Liab, Property, Umbrella, Windstorm Carrier Status Non-admitted States AR, LA, NM, TX AmWINS Group Inc. - 80 Offices Nationwide Coverages Excess Liab, GL, Liquor Liab, Nonowned & Hired Auto, Umbrella Carrier Status Admitted, Non-admitted States Most States Anchor Bay Insurance Managers Inc. Coverages Assault & Battery, Food Borne Illness, Food Spoilage, GL, Liquor Liab, Property Carrier Status Non-admitted States AK, CO, OR, WA Bass Underwriters Coverages Excess Liab, GL, Liquor Liab, Property, Umbrella Carrier Status Non-admitted States Most States Brecht & Associates Coverages Business Interruption, CGL, Commercial Excess, Excess Liab, Fire, GL, Glass, Liability, Liquor Liab, Property, Umbrella Carrier Status Non-admitted States TX Burns & Wilcox - All Offices Coverages Assault & Battery, Business Income, Business Interruption, CGL, Crime, Excess Liab, Fire, Food Spoilage, GL, Liability, Liquor Liab, Products Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States Compass Insurance Group of Agencies Coverages Business Income, Food Spoilage, GL, Glass, Liability, Liquor Liab, Property Carrier Status Non-admitted States CA Crusader Insurance Company Coverages GL, Liquor Liab, Property Carrier Status Admitted States CA

December 7, 2015 INSURANCE JOURNAL-NATIONAL REGION | N47

2015 Annual Program Directory, Volume II Delta General Agency Corp.

Coverages GL, Property Carrier Status Non-admitted States TX Horizon Risk Insurance Services Inc. Coverages Liability, Liquor Liab, Property Carrier Status Non-admitted States CA, NV International Excess Companies Coverages Assault & Battery, CGL, Commercial Excess, Crime, EPLI, Equipment Breakdown, Liability, Liquor Liab, Products Liab, Umbrella Carrier Status Admitted, Non-admitted States Most States Lancer Indemnity Company Coverages Flood, GL, Property Carrier Status Admitted States NJ, NY, PA M.J. Hall & Company Inc. Coverages CGL, Crime, Liquor Liab, Property Carrier Status Non-admitted States AK, AZ, CA, HI, NV M.J. Kelly Company Coverages Business Interruption, CGL, Commercial Excess, EPLI, Equipment Breakdown, Fire Legal Liab, Food Spoilage, GL, Liquor Liab, Products Liab, Property, Umbrella States AR, CO, FL, IA, ID, IL, KS, MO, MS, MT, NM, OK, TN, TX, UT MarketScout Coverages Assault & Battery, Business Income, Business Interruption, CGL, Equipment Breakdown, Fire Legal Liab, Food Spoilage, GL, Inland Marine, Liquor Liab, Nonowned & Hired Auto, Property Carrier Status Admitted States Most States McClelland and Hine Inc. Coverages CGL, Excess Liab, Fire, Liquor Liab, Umbrella Carrier Status Non-admitted States TX N-Surance Outlets Inc. (Florida) Coverages Assault & Battery, Business Income, Food Spoilage, Liability, Liquor Liab, Medical Payments, Property Carrier Status Non-admitted States AL, FL, GA, LA, TN N-Surance Outlets Inc. (Georgia) Coverages Business Income, Excess Liab, Liability, Liquor Liab, Property Carrier Status Admitted, Non-admitted States GA, LA, TN National Insurance Underwriters Coverages Fire Legal Liab, Food Spoilage, GL, Glass, Liquor Liab, Medical Payments, Personal Property, Theft, Windstorm Carrier Status Non-admitted States Most 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 Next Wave Insurance Services LLC Coverages Crime, GL, Liquor Liab, Property Carrier Status Admitted States Most States Number One Insurance Agency Coverages Assault & Battery, Excess Liab, Flood, GL, Liquor Liab, Property Carrier Status Admitted States MA

Prime Insurance Company

Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States Quaker Special Risk (New Jersey) Coverages Crime, Excess Liab, Liquor Liab Carrier Status Non-admitted States DE, GA, NJ, NY Quirk & Company Coverages Assault & Battery, CGL, Equipment Breakdown, Excess Flood, Excess Liab, Flood, Liquor Liab, Property Carrier Status Non-admitted States LA, OK, OR, TX, WA RISCO Insurance Brokerage Inc. Coverages CGL, Crime, Liquor Liab, Mechanical Breakdown, Property Carrier Status Non-admitted States CT, MA, ME, NH, NY, RI RSI International (Missouri); dba Walter General Agency 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 Nonadmitted States AR, IA, ID, IL, IN, KS, KY, MO, OK, TN Scottish American Coverages Assault & Battery, Business Income, CGL, Commercial Excess, Liquor Liab, Property Carrier Status Non-admitted States CA

South Texas General Insurance Agency Coverages GL, Property Carrier Status Non-admitted States TX Specialty Insurance Coverages Assault & Battery, Boiler & Machinery, Business Income, Business Interruption, Care/Custody/Control, CGL, Completed Operations Liab, Crime, Fire, Fire Legal Liab, Garage Liability, GKLL, GL, Glass, Liability, Liquor Liab, Medical Payments, Nonowned & Hired Auto, Products Liab, Property, Spoilage, Theft, Umbrella Carrier Status Admitted States Many TAPCO Underwriters Inc. Coverages GL, Liquor Liab, Products Liab, Property Carrier Status Non-admitted States Most States Tejas American General Agency Coverages GL, Liquor Liab, Property Carrier Status Admitted, Non-admitted States TX Unifax Insurance Systems Inc. Coverages GL, Liquor Liab, Property Carrier Status Admitted States CA Vilage & Company LLC Coverages GL, Liquor Liab Carrier Status Admitted, Non-admitted States Most States Western Security Surplus Insurance Brokers Inc. Coverages Assault & Battery, GL, Liquor Liab, Property Carrier Status Admitted, Non-admitted States CA, TX

Beauty/Barber Shops/Salons/Schools/ Supplies Advanced E&S Group - Midwest Region Coverages Business Income, Business Interruption, CGL, Fire, GL, Glass, Liability, Property, Real & Business Personal Prop, Theft Carrier Status Admitted, Non-admitted States IA, IL, IN, KS, KY, MI, MN, MO, NE, NJ, NY, OH, PA, VA, WI Anderson & Murison Inc. Coverages BOP, Professional Liab Carrier Status Admitted in CA Continental Brokers Inc. Coverages Auto Comm-Standard Liability, Auto PersNonstandard, Boiler & Machinery, BOP, Builders Risk, Business Income, Business Interruption, Disability, EPLI, Fire Legal Liab, Flood, Liability, Medical, Professional Liab, Property, Umbrella Carrier Status Admitted States Most States Evolution Insurance Brokers Coverages Business Income, Business Interruption, D&O, Fire, Fire Legal Liab, Liability, Misc Professional Liab, Theft, Tools & Equip, Trade Shows & Festivals Carrier Status Non-admitted States Most States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States Professional Program Insurance Brokerage Coverages Abuse & Molestation, BOP, Liability, Misc Professional Liab, Professional Liab, Property Carrier Status Non-admitted States Most States SASSI - Salon & Spa Specialty Insurance Coverages Business Income, Business Interruption, CGL, Fire, Fire Legal Liab, GL, Glass, Inland Marine, Liability, Medical Payments, Professional Liab, Property, Real & Business Personal Prop, Theft, Tools & Equip, Trade Shows & Festivals Carrier Status Admitted States Most States South Texas General Insurance Agency Coverages CGL, Property Carrier Status Non-admitted States TX 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 Topa Insurance Company Coverages GL, Professional Liab, Property Carrier Status Admitted States AZ, CA, NV 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, Identity Theft, Liability, Nonowned & Hired Auto, Products Liab, Professional Liab, Property, Real & Business Personal Prop, StopGap, Theft, Umbrella Carrier Status Admitted States Most States

48 | INSURANCE JOURNAL-NATIONAL REGION December 7, 2015

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, Identity Theft, Legal Expense Ins, Nonowned & Hired Auto, Personal Property, Professional Liab, Protection & Indemnity (P&I), Umbrella, Uninsured Motorists Carrier Status Admitted States All States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States

Bicycle Dealers/Distributors/Rentals/ Manufacturers ACE Commercial Risk Services - Programs Coverages GL, Inland Marine, Property Carrier Status Admitted, Non-admitted States Most States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States RPS NIPC Coverages Completed Operations Liab, Crime, GL, Inland Marine, Nonowned & Hired Auto, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States

Billiard Parlors Compass Insurance Group of Agencies Coverages Business Income, Liability, Liquor Liab, Property Carrier Status Non-admitted States CA Lancer Indemnity Company Coverages Flood, GL, Property Carrier Status Admitted States NJ, NY, PA 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 Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States

Billing and Collection Services 5Star Workers’ Compensation Services Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States TitlePac Inc. Coverages Cyber Liab, E&O, Fidelity Bonds, Misc Professional Liab, Professional Liab Carrier Status Admitted, Non-admitted States Most States

Boat Dealers/Brokers 5Star Business Auto Program (Misc. classes) Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Uninsured Motorists Carrier Status Admitted States Most States All Risks Ltd. Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Builders Risk, Bumbershoot, Cargo, GL, MEL, Property, Umbrella, Workers’ Comp Carrier Status Non-admitted States Most States Atlass Insurance Group Coverages Boats, Business Interruption, Cargo, CGL, Commercial Marine, Dealers Open Lot, Equipment, Excess Liab, Piers & Docks, Property Carrier Status Admitted, Non-admitted States Most States

www.insurancejournal.com

2015 Annual Program Directory, Volume II Maritime Program Group Coverages Auto Comm-Standard, Boats, Boiler & Machinery, Builders Risk, Business Income, Business Interruption, Care/ Custody/Control, CGL, Commercial Excess, Commercial Marine, Crime, Dealers Open Lot, Equipment, Excess Liab, Fire, GL, Hull, Inland Marine, Marina Operators Legal, Medical Payments, Nonowned & Hired Auto, Piers & Docks, Products Liab, Property, Ship Repairers Legal, Theft, Tools & Equip, Umbrella, Uninsured Motorists, Watercraft Liab, Windstorm, Workers’ Comp Carrier Status Admitted States All States Personal Safeguards Group LLC Coverages Product Extended Warranty, Service Contracts, Warranties, Extended States Most States Philadelphia Insurance Companies Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Boats, Boiler & Machinery, Business Income, Business Interruption, Care/Custody/Control, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, Garage Liability, GL, Identity Theft, Inland Marine, Legal Expense Ins, Nonowned & Hired Auto, Personal Property, Professional Liab, Property, Protection & Indemnity (P&I), Umbrella, Uninsured Motorists Carrier Status Admitted States Most States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States Specialized Insurance Coverages BOP, Commercial Marine, GL, Marina Operators Legal Carrier Status Admitted, Non-admitted States FL, NY, PA TCA Inc. Coverages Boats, Care/Custody/Control, CGL, GL, Marina Operators Legal Carrier Status Admitted, Non-admitted States All States The Hanover Insurance Group Coverages Auto Comm-Standard, CGL, Crime, D&O, Environmental Liab, EPLI, Equipment, Fine Arts, GKLL, GL, Hull, Legal Liab, Liability, Liquor Liab, Marina Operators Legal, Physical Damage, Piers & Docks, Pollution Liab, Products Liab, Protection & Indemnity (P&I), Watersports Liab, Workers’ Comp Carrier Status Admitted States Most States

Boat Rental Firms Atlass Insurance Group Coverages Hull, Liability, Medical Payments, Personal Property, Pollution Liab, Uninsured Boaters Carrier Status Non-admitted States Most States Maritime Program Group Coverages Auto Comm-Standard, Boats, Boiler & Machinery, Builders Risk, Business Income, Business Interruption, Care/ Custody/Control, CGL, Commercial Excess, Commercial Marine, Crime, Dealers Open Lot, EPLI, Equipment, Excess Liab, Fire, GL, Hull, Inland Marine, Marina Operators Legal, Medical Payments, Nonowned & Hired Auto, Piers & Docks, Products Liab, Property, Ship Repairers Legal, Theft, Tools & Equip, Umbrella, Uninsured Motorists, Watercraft Liab, Windstorm, Workers’ Comp Carrier Status Admitted States All States Markel Personal Lines Coverages Boats, Commercial Marine, Hull, Watercraft Liab Carrier Status Admitted States Most States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most 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 TCA Inc. Coverages Hull, Protection & Indemnity (P&I) Carrier Status Admitted, Non-admitted States All States

T.H.E. Insurance Company Coverages Auto Comm-Standard, CGL, Crime, Equipment Breakdown, Excess Liab, Inland Marine, Nonowned & Hired Auto, Property, Workers’ Comp Carrier Status Admitted States Most States

Boys & Girls Clubs Alliance of Nonprofits for Ins. Risk Retention Group Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, Business Income & Interruption, CGL, Crime, Community/Social Svcs, Developmental Disabilities, EPLI, Fiduciary Liab, Fire Legal Liab, Inland Marine, Mechanical Breakdown, Misc Professional Liab, Non-Profit D&O, Nonowned Hired Auto, Sexual Misconduct, Umbrella, Uninsured Motorists Carrier Status Admitted, Non-admitted States Most States Charity First Insurance Services Inc. Coverages Abuse & Molestation, Auto Comm-Standard, Business Income, CGL, Property, Workers’ Comp Carrier Status Admitted States Most States Gateway Specialty Insurance Coverages Abuse & Molestation, EPLI, GL, Non-Profit D&O, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States Irwin Siegel Agency Inc. Coverages Abuse & Molestation, Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Crime, D&O, Environmental Liab, EPLI, Equipment Breakdown, Excess Liab, Fire Legal Liab, GL, Inland Marine, Medical Payments, Non-Profit D&O, Nonowned & Hired Auto, Pollution Liab, Professional Liab, Property, Sexual Misconduct Liab, Student Accident, Umbrella Carrier Status Admitted States Most States Markel Specialty Coverages Abuse & Molestation, Accident & Health, Auto CommStandard, Business Income, Crime, Equipment Breakdown, GL, Inland Marine, Kidnap/Ransom, Professional Liab, Property, Umbrella Carrier Status Admitted States Most States Nonprofits Insurance Alliance of Calif.

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, Inland Marine, Mechanical Breakdown, Misc Professional Liab, Non-Profit D&O, Nonowned & Hired Auto, Sexual Misconduct Liab, Umbrella, Uninsured Motorists Carrier Status Non-admitted States CA

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, Cyber Liab, D&O, Employee Benefits, EPLI, Equipment Breakdown, Inland Marine, Property, Umbrella Carrier Status Admitted States All States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States Special Markets Ins. Consultants, An AmWINS Group Coverages Accident & Health, Liability Carrier Status Admitted States Most States

Breweries 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 Philadelphia Insurance Companies Coverages Boiler & Machinery, Business Income, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Liquor Liab, Professional Liab, Property, Real & Business Personal Prop, Umbrella Carrier Status Admitted States Most States

Bowling Alleys

Broadcasters

HCC Specialty (MA) Coverages CGL, EPLI, Equipment Breakdown, Liquor Liab, Property Carrier Status Non-admitted States Most States NIF Group Inc. Coverages Equipment Breakdown, GL, Inland Marine, Property, Umbrella Carrier Status Admitted States Most States

AmWINS Group Inc. - 80 Offices Nationwide Coverages Auto Comm-Standard, Business Interruption, Crime, GL, Inland Marine, Media Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States AmWINS Program Underwriters Coverages Auto Comm-Standard, Business Interruption, Crime, GL, Inland Marine, Property States All States

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Campgrounds Philadelphia Insurance Companies Coverages Abuse & Molestation, Auto Comm-Standard, CGL, Liquor Liab, Property, Umbrella Carrier Status Admitted States All States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States T.H.E. Insurance Company Coverages Auto Comm-Standard, CGL, Crime, Equipment Breakdown, Excess Liab, Inland Marine, Nonowned & Hired Auto, Property, Workers’ Comp Carrier Status Admitted States Most States

Camps K&K Insurance Group Inc. Coverages Auto Comm-Standard, Business Income, Crime, GL, Inland Marine, Nonowned & Hired Auto, Property, Workers’ Comp Carrier Status Admitted States Most States Markel Specialty Coverages Abuse & Molestation, Accident & Health, Auto CommStandard, Business Income, Crime, Equipment Breakdown, GL, Inland Marine, Kidnap/Ransom, Professional Liab, Property, Umbrella, Watercraft Liab Carrier Status 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, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, Food Spoilage, GL, Identity Theft, Inland Marine, Professional Liab, Property, Real & Business Personal Prop, Sexual Misconduct Liab, Umbrella, Uninsured Motorists, Uninsured Personal Injury Carrier Status Admitted States All States

Prime Insurance Company

Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States RPS Bollinger Sports & Leisure Coverages Accident & Health, CGL, Crime, D&O, Equipment, Excess Liab Carrier Status Admitted States Most States Sports & Fitness Insurance Corporation (SFIC) Coverages CGL, Crime, Fire Legal Liab, Flood, GL, Nonowned & Hired Auto, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Car Washes McClelland and Hine Inc. Coverages Fire, Garage Keepers Legal Liab, Liability, Umbrella Carrier Status Non-admitted States TX Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States RoamNet Insurance Marketing Programs Coverages BOP, EPLI, GL, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States AZ, CA, NV The Insurancenter Coverages Crime, Equipment Breakdown, Excess Liab, GL, Property, Umbrella, Workers’ Comp Carrier Status Admitted States Most States

Casinos MAXIMUM Coverages All Risks/Cash in Transit, Builders Risk, Business Income, Business Interruption, Catastrophe, Difference in Conditions, Earthquake, Excess Flood, Flood, Hail, Hurricane, Inland Marine, Property Carrier Status Non-admitted States AL, CA, FL, IL, IN, LA, MI, MS, NJ, NV, OH Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States

December 7, 2015 INSURANCE JOURNAL-NATIONAL REGION | N49

2015 Annual Program Directory, Volume II ProSurance Group Inc. Coverages Crime, E&O, Fidelity, Fidelity Bonds, Insurance Broker Bonds, Professional Liab Carrier Status Admitted, Non-admitted States Most States SURETY ONE Inc. Coverages Crime, Fidelity, Fidelity Bonds, Lost Note Bonds Carrier Status Admitted States Most States

Caterers Specialty Insurance Coverages Assault & Battery, Boiler & Machinery, Business Income, Business Interruption, Care/Custody/Control, CGL, Completed Operations Liab, Crime, Fire, Fire Legal Liab, GL, Glass, Liability, Liquor Liab, Property, Spoilage, Theft, Umbrella Carrier Status Admitted States CA, DE, FL, GA, IL, MA, MD, MI, MO, NJ, NY, OH, PA, RI, TN Western Security Surplus Insurance Brokers Inc. Coverages Business Income, Business Interruption, CGL, Fire, Fire Legal Liab, Liability, Medical Payments, New Occurrence, Products Liab, Property Carrier Status Admitted, Non-admitted States CA, TX

Chemical Manufacturers/Distributors ChemPlan - Chemical Insurance Coverages Auto Comm-Standard, CGL, Environmental Liab, Property, Umbrella Carrier Status Admitted States All States Intercorp Inc. Coverages Environmental Liab, Pollution Liab Carrier Status Non-admitted States Most 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 Most States NeitClem Wholesale Insurance Brokerage Inc. Coverages Blanket Addt’l Insureds, Completed Operations Liability, Equipment, Foreign GL, Inland Marine, Liability, Pollution, Product Extended Warranty, Products Liability Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX

Prime Insurance Company

Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States

Child Care/Day Care Centers Alliance of Nonprofits for Ins. Risk Retention Group Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, Business Income, Business Interruption, CGL, Community/Social Svcs, Crime, Developmental Disabilities, EPLI, Fiduciary Liab, Fire Legal Liab, Inland Marine, Mechanical Breakdown, Misc Professional Liab, Non-Profit D&O, Nonowned & Hired Auto, Sexual Misconduct Liab, Umbrella, Uninsured Motorists Carrier Status Admitted, Non-admitted States Most States Bass Underwriters Coverages Excess Liab, GL, Professional Liab, Property Carrier Status Non-admitted States AL, AR, AZ, CA, CT, FL, GA, LA, MA, ME, MS, NC, NJ, NV, NY, OH, OK, OR, PA, RI, SC, TN, TX, VA Burns & Wilcox - All Offices Coverages CGL, Excess Liab, Inland Marine, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States Charity First Insurance Services Inc. Coverages Abuse & Molestation, Accident & Health, Auto CommStandard, Blanket Addt’l Insureds, Boiler & Machinery, Business Income, CGL, Community/Social Svcs, Crime, Developmental Disabilities, EPLI, Equipment Breakdown, Inland Marine, Liquor Liab, Non-Profit D&O, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted States Most States Evolution Insurance Brokers Coverages Abuse & Molestation, Assault & Battery, Business Interruption, D&O, Fire, Fire Legal Liab, Liability, Loss of Use, Misc Professional Liab, Sexual Misconduct Liab, Theft, Tools & Equip Carrier Status Non-admitted States Most States 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

International Excess Companies Coverages Abuse & Molestation, Accident & Health, Business Income, CGL, Commercial Excess, Crime, E&O, EPLI, Fire, GL, Liability, Teachers Liab, Umbrella Carrier Status Admitted, Non-admitted States Most States Markel Specialty Coverages Abuse & Molestation, Auto Comm-Standard, CGL, Crime, Cyber Liab, Inland Marine, Property, Student Accident, Umbrella, Workers’ Comp Carrier Status Admitted States Most States Nonprofits Insurance Alliance of Calif.

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, Inland Marine, Liquor Liab, Mechanical Breakdown, Misc Professional Liab, Non-Profit D&O, Nonowned & Hired Auto, Sexual Misconduct Liab, Umbrella, Uninsured Motorists Carrier Status Non-admitted States CA Philadelphia Insurance Companies Coverages Abuse & Molestation, Auto Comm-Standard, Auto Comm-Standard Liability & Phys Dmg, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Employee Benefits, EPLI, Fire Legal Liab, GL, Identity Theft, Inland Marine, Nonowned & Hired Auto, Professional Liab, Property, Real & Business Personal Prop, Umbrella, Uninsured Motorists Carrier Status Admitted States All States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States RSI International (Missouri); dba Walter General Agency Coverages Abuse & Molestation, CGL, Excess Liab, GL, Professional Liab, Property, Umbrella Carrier Status Non-admitted States IL, MO Tejas American General Agency Coverages Abuse & Molestation, Auto Comm-Nonstandard, GL, Property Carrier Status Non-admitted States TX Topa Insurance Company Coverages GL, Property Carrier Status Admitted, Non-admitted States CA, CO, FL, GA, IL, OH, OR, TX, VA

Chiropractors 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, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Identity Theft, Legal Expense Ins, Nonowned & Hired Auto, Personal Property, Professional Liab, Protection & Indemnity (P&I), Umbrella, Uninsured Motorists Carrier Status Admitted States All States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States

Churches AMIS/Alliance Marketing & Insurance Services Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, D&O, Equipment Breakdown, Liability, Property, Workers’ Comp Carrier Status Admitted States Most States Bass Underwriters Coverages GL, Property Carrier Status Non-admitted States AL, AR, AZ, CA, CT, FL, GA, LA, MA, ME, NC, NJ, NV, NY, OH, OK, OR, PA, RI, SC, TN, TX, VA Charity First Insurance Services Inc. Coverages Abuse & Molestation, Auto Comm-Standard, CGL, Crime, D&O, EPLI, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted States Most States Compass Insurance Group of Agencies Coverages CGL, Glass, Property Carrier Status Non-admitted States CA Gateway Specialty Insurance Coverages Abuse & Molestation, EPLI, GL, Non-Profit D&O, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States Glatfelter Insurance Group Coverages Auto Comm-Standard, D&O, Excess Liab, Foreign GL, GL, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States

50 | INSURANCE JOURNAL-NATIONAL REGION December 7, 2015

Glatfelter Religious Practice Coverages Auto Comm-Standard, D&O, Excess Liab, Foreign GL, GL, Property, Umbrella, Workers’ Comp 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, D&O, Employee Benefits, EPLI, Fiduciary Liab, Fine Arts, Fire Legal Liab, GL, Glass, Identity Theft, Inland Marine, Nonowned & Hired Auto, Professional Liab, Property, Real & Business Personal Prop, Sexual Misconduct Liab, Umbrella, Uninsured Motorists Carrier Status Admitted States All States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States Roush Insurance Services Inc. Coverages Abuse & Molestation, Accident & Health, Auto CommStandard Liability, Auto Comm-Standard Phys Dmg, Blanket Addt’l Insureds, Boiler & Machinery, Business Interruption, CGL, Commercial Excess, Crime, D&O, EPLI, Excess Liab, Fidelity Bonds, Fine Arts, Fire, GL, Glass, Inland Marine, Kidnap/ Ransom, Liability, Medical Payments, Non-Profit D&O, OCP, Participant Accident, Property, Residential Property, Sexual Misconduct Liab Carrier Status Admitted, Non-admitted States IL, IN, OH RPS NIPC Coverages Abuse & Molestation, Auto Comm-Standard, Auto Comm-Standard Phys Dmg, Business Income, CGL, Commercial Excess, Crime, Cyber Liab, D&O, Inland Marine, Nonowned & Hired Auto, Property, Religious Institutions, Workers’ Comp Carrier Status Admitted States Most States

Civil Servants SURETY ONE Inc. Coverages Fidelity, Fidelity Bonds Carrier Status Admitted, Non-admitted States Most States

Claims Adjusters 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, GL, Identity Theft, Legal Expense Ins, Nonowned & Hired Auto, Personal Property, Professional Liab, Protection & Indemnity (P&I), Umbrella, Uninsured Motorists Carrier Status Admitted States All States SURETY ONE Inc. Coverages Crime, Fidelity, Fidelity Bonds Carrier Status Admitted, Non-admitted States Most States

Commercial Building Owners 5Star D&O Program Coverages D&O, E&O, EPLI, Fiduciary Liab Carrier Status Non-admitted States Most States Advanced E&S Group - Midwest Region Coverages Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, Equipment Breakdown, Excess Liab, Fire, GL, Glass, Liability, Property, Real & Business Personal Prop, Theft, Umbrella Carrier Status Admitted, Non-admitted States IA, IL, IN, KS, KY, MI, MN, MO, NE, NJ, NY, OH, PA, VA, WI Burns & Wilcox - All Offices Coverages Liability, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States CIBA Insurance Services Coverages Apartment House Package, Boiler & Machinery, Builders Risk, D&O, GL, Lessor Only Excess Liab, Property, Residential Property Carrier Status Non-admitted States Most States Crouse & Associates Coverages Builders Risk, COC, Earthquake, Fire, Flood, Inland Marine, Property Carrier Status Admitted States All States International Excess Program Managers Coverages GL, Inland Marine, Property Carrier Status Non-admitted States Most States

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2015 Annual Program Directory, Volume II IPC Coverages GL, Lessors Contingent Liab, Liability, Loss of Use, Pool & Spa Liab, Property, Real & Business Personal Prop, Rented Property Carrier Status Non-admitted States AZ, CA, ID, NV, OR, WA MAXIMUM Coverages Builders Risk, Business Income, Business Interruption, Catastrophe, Earthquake, Equipment, Equipment Breakdown, Flood, GL, Property, Umbrella Carrier Status Admitted, Nonadmitted States Most States NeitClem Wholesale Insurance Brokerage Inc. Coverages Assault & Battery, Business Income, CGL, COC, Difference in Conditions, Liability, Property Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX

Preferred Property Programs

Coverages Boiler & Machinery, Commercial Excess, Equipment Breakdown, Excess Liab, Umbrella Carrier Status Admitted States Most States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Property, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States Roush Insurance Services Inc. Coverages Apartment House Package, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Blanket Addt’l Insureds, Blanket Waivers, Builders Risk, Business Income, Business Interruption, CGL, Commercial Excess, Crime, D&O, E&O, EPLI, Excess Liab, Fire, Force Place Fire Cvrg, Foreclosed Properties, GL, Glass, Historic Bldgs/Unique Property, Inland Marine, Installation Floaters, Liability, OCP, Pollution Liab, Property, Rented Property, Residential Property, Tenant Discrimination, Tools & Equip Carrier Status Admitted, Non-admitted States IL, IN, OH Southwest Risk Coverages Builders Risk, CGL, Property, Umbrella Carrier Status Admitted, Non-admitted States All States Specialty Programs & Facilities Managers (AmWINS) Coverages Liability, Pollution Liab, Property, Umbrella Carrier Status Admitted States AZ, CA, NV Sun Coast General Insurance Agency Coverages BOP, Legal Liab, Lessors Contingent Liab, Lessors Contingent Phys Dmg, Liability, Property Carrier Status Admitted, Non-admitted States CA Unifax Insurance Systems Inc. Coverages GL, Property Carrier Status Admitted States CA

Commercial Marine Companies AmWINS Group Inc. - 80 Offices Nationwide Coverages USL&H, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States 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 Maritime Program Group Coverages Commercial Marine, Hull, Marina Operators Legal, Protection & Indemnity (P&I), Ship Repairers Legal, Umbrella, Watercraft Liab Carrier Status Admitted States All States Markel Personal Lines Coverages Boats, Commercial Marine, Hull, Pollution Liab, Watercraft Liab Carrier Status Admitted States Most States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States TCA Inc. Coverages Blanket Addt’l Insureds, Boats, Builders Risk, Cargo, CGL, Commercial Excess, Commercial Marine, Contractors Equip, Excess Liab, GL, Hull, Liability, Marina Operators Legal, Piers & Docks, Pollution, Pollution Liab, Professional Liab, Property, Protection & Indemnity (P&I), Ship Repairers Legal, Tools & Equip, Uninsured Boaters, Watersports Liab, Wet Marine Carrier Status Admitted, Non-admitted States All States

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The American Equity Underwriters Inc. Coverages Blanket Addt’l Insureds, Blanket Waivers, Care/ Custody/Control, Commercial Marine, Contractors Equip, Excess Liab, Federal LHWCA, Hull, Int’l Coverage - Commercial, Pollution Liab, Protection & Indemnity (P&I), Ship Repairers Legal, Umbrella, USL&H Carrier Status Admitted States All States

Community Associations Community Association Insurance Solutions LLC Coverages Workers’ Comp Carrier Status Admitted States Most States Great American Ins. Group - Executive Liability Div. Coverages Community/Social Svcs, D&O, EPLI, Excess Liab, Fiduciary Liab Carrier Status Admitted States Most States Indemnity Excess & Surplus Agency Inc. Coverages D&O, EPLI, GL, Nonowned & Hired Auto, Property, Umbrella Carrier Status Admitted States Most States Irwin Siegel Agency Inc. Coverages Accidental Death, BOP, D&O, EPLI, Umbrella Carrier Status Admitted, Non-admitted States All States Kevin Davis Insurance Services Coverages Crime, D&O, E&O Carrier Status Admitted States Most States New Empire Group Coverages Cyber Liab, D&O, Excess Liab, GL, Pollution, Property, Umbrella Carrier Status Admitted States Most States Preferred Property Programs Coverages Boiler & Machinery, Environmental Liab, Equipment Breakdown, Excess Liab, Umbrella Carrier Status Admitted States Most States

Preferred Property Programs

Coverages Boiler & Machinery, Environmental Liab, Equipment Breakdown, Excess Liab, Mechanical Breakdown, Umbrella Carrier Status Admitted States Most States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States Special Markets Ins. Consultants, An AmWINS Group Coverages Accident & Health, Liability Carrier Status Admitted States Most States Specialty Programs & Facilities Managers (AmWINS) Coverages Liability, Property Carrier Status Admitted States AZ, CA, NV 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 All Risks Ltd. Coverages Collateral Protection, GL, Mortgage Impairment, Mortgage REO Cvrg Carrier Status Non-admitted States Most States Centurion Insurance Group Coverages D&O, E&O, Fidelity, Force Place Fire Cvrg, Foreclosed Properties Carrier Status Admitted States All States Innovative Risk Solutions Coverages Blanket Forced Placed, Collateral Protection, Flood, Force Place Fire Cvrg, Mortgage Impairment, Mortgage REO Cvrg Carrier Status Admitted, Non-admitted States Most States Number One Insurance Agency Coverages Flood, GL Carrier Status Admitted States MA Proctor Financial Inc. Coverages Blanket Forced Placed, E&O, Excess 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

Community Health Centers Centurion Insurance Group Coverages EPLI, Medical Malpractice Carrier Status Admitted States All States

Irwin Siegel Agency Inc. Coverages Abuse & Molestation, Auto Comm-Standard, Boiler & Machinery, Business Income, Crime, D&O, Excess Liab, GL, Inland Marine, Professional Liab, Property Carrier Status Non-admitted States Most States Philadelphia Insurance Companies Coverages Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fire, Fire Legal Liab, GL, Identity Theft, Inland Marine, Professional Liab, Property, Real & Business Personal Prop, Umbrella, Uninsured Motorists Carrier Status Admitted States All States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States

Community/Social Services 5Star Paratransit Program Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, EPLI, Excess Liab, GL, Physical Damage, Umbrella, Uninsured Motorists Carrier Status Admitted States Most States AFC Insurance Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, Boiler & Machinery, Business Interruption, CGL, COC, Community/Social Svcs, D&O, Developmental Disabilities, Employee Benefits, Inland Marine, Misc Professional Liab, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States Alliance of Nonprofits for Ins. Risk Retention Group Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, Business Income, Business Interruption, Community/Social Svcs, Crime, Developmental Disabilities, EPLI, Fiduciary Liab, Fire Legal Liab, Inland Marine, Liquor Liab, Mechanical Breakdown, Misc Professional Liab, Non-Profit D&O, Nonowned & Hired Auto, Sexual Misconduct Liab, Umbrella Carrier Status Admitted, Non-admitted States Most States Charity First Insurance Services Inc. Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, Business Income, CGL, Crime, EPLI, Inland Marine, Non-Profit D&O, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted States Most States Gateway Specialty Insurance Coverages Abuse & Molestation, EPLI, GL, Non-Profit D&O, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States Great American Ins. Group - Executive Liability Div. Coverages Community/Social Svcs, D&O, EPLI, Excess Liab, Fiduciary Liab Carrier Status Admitted States Most States Irwin Siegel Agency Inc. Coverages Abuse & Molestation, Addiction Treatment, Auto Comm-Standard, Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, Community/Social Svcs, Crime, D&O, Developmental Disabilities, Excess Liab, GL, Inland Marine, Mental Health Care, Non-Profit D&O, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States Markel Specialty Coverages Abuse & Molestation, Accident & Health, Auto CommStandard, Business Income, Crime, Equipment Breakdown, GL, Inland Marine, Kidnap/Ransom, Professional Liab, Property, Umbrella Carrier Status Admitted States Most States National Interstate Insurance Company Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, GL Carrier Status Admitted States Most States Negley Associates Coverages CGL, Professional Liab Carrier Status Non-admitted States All States Nonprofits Insurance Alliance of Calif.

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, Inland Marine, Liquor Liab, Mechanical Breakdown, Misc Professional Liab, Non-Profit D&O, Nonowned & Hired Auto, Sexual Misconduct Liab, Umbrella, Uninsured Motorists Carrier Status Non-admitted States CA

December 7, 2015 INSURANCE JOURNAL-NATIONAL REGION | N51

2015 Annual Program Directory, Volume II 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, Identity Theft, Nonowned & Hired Auto, Professional Liab, Property, Real & Business Personal Prop, Sexual Misconduct Liab, Umbrella, Uninsured Motorists Carrier Status Admitted States All States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States RPS NIPC Coverages Auto Comm-Standard, CGL, Cyber Liab, Employee Benefits, EPLI, Excess Liab, Non-Profit D&O, Nonowned & Hired Auto, Professional Liab, Property, Sexual Misconduct Liab, Workers’ Comp Carrier Status Admitted States Most States

Computer Consultants/Programmers/ Designers Access E&S Insurance Services (CA) Coverages Cyber Liab, GL, Professional Liab, Property Carrier Status Admitted, Non-admitted States AZ, CA, CO, ID, NV, OR, TX, WA Burns & Wilcox - All Offices Coverages CGL, Inland Marine, Liability, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States Indemnity Excess & Surplus Agency Inc. Coverages Cyber Liab, GL, Property, Technology E&O Carrier Status Admitted, Non-admitted States Most States Intercorp Inc. Coverages Professional Liab Carrier Status Admitted, Non-admitted States Most States IT Risk Managers Inc. Coverages BOP, Cyber Liab, D&O, E&O, Misc Professional Liab, Professional Liab, Technology E&O Carrier Status Admitted, Non-admitted States Most States JLT Facilities Inc. Coverages Cyber Liab, E&O, GL, Liability, Misc Professional Liab, Professional Liab, Technology E&O Carrier Status Admitted States Most States NAS Insurance Services Coverages Breach of Security, Cyber Liab, E&O, EPLI, Legal Expense Ins, Legal Liab, Liability, Misc Professional Liab, Professional Liab, Technology E&O, Website Domain Name Carrier Status Non-admitted States Most States Philadelphia Insurance Companies Coverages BOP, E&O Carrier Status Admitted States All States Professional Ins. Concepts (fka Crump Prof. Concepts) Coverages E&O, EPLI, Professional Liab Carrier Status Admitted States Most States Professional Liability Ins Svcs - Underwriting Facilities Coverages E&O, Professional Liab Carrier Status Non-admitted States Most 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, Liability, Media Liab, Nonowned & Hired Auto, Products Liab, Professional Liab, Property, Technology E&O, Umbrella, Workers’ Comp Carrier Status Admitted States All States

Concessionaires and Vendors American Specialty Insurance & Risk Services Inc. Coverages CGL, Inland Marine Carrier Status Admitted States Most States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States

Concrete Pumper Firms 5Star Business Auto Program (Misc. classes) Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg Carrier Status Admitted States Most States Ascinsure Specialty Risk Coverages Auto Comm-Standard, Inland Marine, Liability, Property, Umbrella States Most States NBIS Coverages Auto Comm-Standard, Auto Comm-Standard Phys Dmg, Bailee/Customer Goods, Blanket Addt’l Insureds, Blanket Waivers, Builders Risk, Care/Custody/Control, CGL, Commercial Excess, Contractors Equip, Excess Liab, Inland Marine, Liability, Long Haul, Non-Trucking Auto Liab, Nonowned & Hired Auto, Physical Damage, Physical Damage Rental Units, Real & Business Personal Prop, Tools & Equip, Truck Auto Liab, Umbrella Carrier Status Admitted, Non-admitted States Most States Norman-Spencer Agency Inc. Coverages CGL, Inland Marine, Property, Umbrella, Workers’ Comp Carrier Status Admitted States Most States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Property, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States

Condo Associations AmWINS Group Inc. - 80 Offices Nationwide Coverages GL, Pollution Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States CIBA Insurance Services Coverages Apartment House Package, Boiler & Machinery, Builders Risk, Crime, D&O, Earthquake, GL, Lessor Only Excess Liab, Liability, Property, Residential Property Carrier Status Non-admitted States Most States CID Insurance Programs Inc. Coverages D&O, EPLI, Fidelity, Liability, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States AZ, CA, CO, MD, NE, NM, NV, OR, TN, TX, UT, WA Commercial Sector Insurance Brokers LLC Coverages Catastrophe, CGL, Commercial Excess, Contingent Coverages, Equipment Breakdown, Excess Flood, Hurricane, Property, Umbrella, Windstorm Carrier Status Non-admitted States Most States Community Association Insurance Solutions LLC Coverages Workers’ Comp Carrier Status Admitted States Most States Horizon Risk Insurance Services Inc. Coverages D&O, Liability, Property Carrier Status Non-admitted States CA Irwin Siegel Agency Inc. Coverages Accidental Death, BOP, D&O, EPLI, Umbrella Carrier Status Admitted, Non-admitted States All States Kevin Davis Insurance Services Coverages Crime, D&O, E&O Carrier Status Admitted States Most States New Empire Group Coverages Cyber Liab, D&O, Excess Liab, GL, Pollution, Property, Umbrella 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, Business Interruption, CGL, Crime, Employee Benefits, Equipment Breakdown, Fire Legal Liab, GL, Identity Theft, Inland Marine, Nonowned & Hired Auto, Professional Liab, Property, Real & Business Personal Prop, Umbrella, Uninsured Motorists Carrier Status Admitted States All States Preferred Concepts LLC Coverages Auto Comm-Standard, Boiler & Machinery, CGL, Crime, Garage Keepers Legal Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States

Preferred Property Programs

Coverages Boiler & Machinery, Commercial Excess, Environmental Liab, Equipment Breakdown, Umbrella Carrier Status Admitted States Most States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States

52 | INSURANCE JOURNAL-NATIONAL REGION December 7, 2015

Quirk & Company Coverages CGL, Excess Flood, Flood, Property Carrier Status Admitted, Non-admitted States LA, OK, OR, TX, WA RISCO Insurance Brokerage Inc. Coverages D&O, Liability, Property, Umbrella Carrier Status Admitted, Non-admitted States CT, MA, ME, NH, NY, RI, VT Specialty Programs & Facilities Managers (AmWINS) Coverages Liability, Property Carrier Status Admitted States AZ, CA, NV Vilage & Company LLC Coverages CGL, Umbrella Carrier Status Admitted, Non-admitted States Most States

Condo/Homeowner Associations Advanced E&S Group - Midwest Region Coverages Assault & Battery, Business Income, Business Interruption, CGL, Fire, Fire Legal Liab, GL, Glass, Inland Marine, Liability, Personal Property, Property, Real & Business Personal Prop, Theft Carrier Status Admitted, Non-admitted States CT, FL, IA, IL, IN, KS, KY, MI, MN, MO, NE, NJ, NY, OH, PA, VA, WI AmWINS Group Inc. - 80 Offices Nationwide Coverages GL, Pollution Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States Bass Underwriters Coverages GL, Professional Liab, Property Carrier Status Nonadmitted States AL, AR, AZ, CA, CT, FL, GA, LA, MA, ME, MS, NC, NJ, NV, NY, OH, OK, OR, PA, RI, SC, TN, TX, VA Brecht & Associates Coverages BOP, Equipment Breakdown, GL, Property Carrier Status Non-admitted States TX Burns & Wilcox - All Offices Coverages Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Difference in Conditions, Dwelling Fire, E&O, EPLI, Equipment, Fidelity, Fiduciary Liability, Fire Legal Liability, GL, Homeowners Package, NonProfit D&O, Property, Real & Business Personal Property Carrier Status Admitted, Non-admitted States Most States CIBA Insurance Services Coverages Apartment House Package, Boiler & Machinery, Builders Risk, Business Income, Crime, D&O, Earthquake, GL, Lessor Only Excess Liab, Liability, Property, Residential Property Carrier Status Non-admitted States Most States CID Insurance Programs Inc. Coverages D&O, EPLI, Fidelity, Liability, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States AZ, CA, CO, MD, NE, NM, NV, OR, TN, TX, UT, WA Commercial Sector Insurance Brokers LLC Coverages Catastrophe, CGL, Commercial Excess, Contingent Coverages, Earthquake, Equipment Breakdown, Excess Flood, Hurricane, Property, Umbrella, Windstorm Carrier Status Non-admitted States Most States Community Association Insurance Solutions LLC Coverages Workers’ Comp Carrier Status Admitted States Most States Delta General Agency Corp.

Coverages GL, Property Carrier Status Non-admitted States TX Gerald J. Wilkoff Inc. Coverages Crime, Fidelity, Fidelity Bonds Carrier Status Admitted States Most States Great American Ins. Group - Executive Liability Div. Coverages Community/Social Svcs, D&O, EPLI, Excess Liab, Fiduciary Liab Carrier Status Admitted States Most States Irwin Siegel Agency Inc. Coverages Accidental Death, BOP, D&O, EPLI, Umbrella Carrier Status Admitted, Non-admitted States All States Kevin Davis Insurance Services Coverages Crime, D&O, E&O Carrier Status Admitted States Most States MexiPass International Insurance Services LLC Coverages Int’l Coverage - Commercial, Int’l Coverage - Personal Carrier Status Admitted States All States Monarch E&S Insurance Services Coverages D&O, GL, Property States CA NeitClem Wholesale Insurance Brokerage Inc. Coverages GL, Property Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX

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2015 Annual Program Directory, Volume II New Empire Group Coverages Cyber Liab, D&O, Excess Liab, GL, Property, Umbrella 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, Business Interruption, CGL, Crime, Employee Benefits, Fire Legal Liab, GL, Identity Theft, Inland Marine, Nonowned & Hired Auto, Professional Liab, Property, Real & Business Personal Prop, Umbrella, Uninsured Motorists Carrier Status Admitted States All States Preferred Concepts LLC Coverages Auto Comm-Standard, Boiler & Machinery, CGL, Crime, Garage Keepers Legal Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States

Preferred Property Programs

Coverages Boiler & Machinery, Environmental Liab, Equipment Breakdown, Excess Liab, Umbrella Carrier Status Admitted States Most States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States Quirk & Company Coverages CGL, D&O, Excess Flood, Flood, Property Carrier Status Admitted, Non-admitted States LA, OK, OR, TX, WA RISCO Insurance Brokerage Inc. Coverages CGL, D&O, Property, Umbrella Carrier Status Admitted, Non-admitted States CT, MA, ME, NH, NY, RI, VT South & Western General Agency Inc. Coverages GL, Non-Profit 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 Liability, Umbrella Carrier Status Non-admitted States MA, NJ, NY Specialty Programs & Facilities Managers (AmWINS) Coverages Liability, Property Carrier Status Admitted States AZ, CA, NV SURETY ONE Inc. Coverages Fidelity, Fidelity Bonds Carrier Status Admitted, Non-admitted States Most States TAPCO Underwriters Inc. Coverages D&O, GL, Property Carrier Status Non-admitted States Most States The McGowan Companies Coverages Commercial Excess, D&O, EPLI, Excess Liab, Fidelity, Fidelity Bonds, Fiduciary Liab, Umbrella Carrier Status Admitted States All States UCA General Insurance Services Coverages CGL, D&O, EPLI, Equipment Breakdown, Fire Legal Liab, Medical Payments, Nonowned & Hired Auto, Property, Umbrella Carrier Status Admitted States AZ, CA, ID, IL, NV, OR, UT, WA, WI US Assure Coverages Builders Risk, Business Income, COC, Earthquake, Fire, Flood, Hail, High Valued Homes, Hurricane, Installation Floaters, Residential Property, Theft, Weather, Windstorm Carrier Status Admitted States Most States Vilage & Company LLC Coverages CGL, Umbrella Carrier Status Admitted, Non-admitted States Most States

Condominium Owners AmWINS Group Inc. - 80 Offices Nationwide Coverages GL, Pollution Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States Arrowhead General Insurance Agency Inc. Coverages Property, Residential Property Carrier Status Admitted States AZ, CA, CT, NJ, NV, NY, VA Commercial Sector Insurance Brokers LLC Coverages Catastrophe, Contingent Coverages, Earthquake, Hurricane, Property, Windstorm Carrier Status Non-admitted States Most States Indemnity Excess & Surplus Agency Inc. Coverages CGL, Loss of Use, Nonowned & Hired Auto, Rented Property, Residential Property, Umbrella Carrier Status Nonadmitted States AZ, CA, CO, ID, NV, OR, TX, WA www.insurancejournal.com

International Excess Program Managers Coverages GL, Inland Marine, Property Carrier Status Non-admitted States Most States King Insurance Support Systems Coverages D&O, GL Carrier Status Admitted, Non-admitted States AR, AZ, CA, CO, ID, NM, NV, OR, UT, WA Preferred Property Programs Coverages Boiler & Machinery, Commercial Excess, Environmental Liab, Equipment Breakdown, Excess Liab, Umbrella Carrier Status Admitted States Most States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States

Swett & Crawford

Coverages Assault & Battery, Boiler & Machinery, CGL, Excess Liab, Fire, GL, Property, Tenant Discrimination, Theft, Umbrella Carrier Status Admitted, Non-admitted States Most States Vilage & Company LLC Coverages CGL, Umbrella Carrier Status Admitted, Non-admitted States Most States

Construction Managers Professional Underwriters Agency Inc. Coverages Pollution Liability, Professional Liability Carrier Status Admitted, Non-admitted States Most States Quaker Special Risk (New Jersey) Coverages Blanket Addt’l Insureds, Blanket Waivers, Builders Risk, CGL, Contractors Equip, GL, Liability, Professional Liab, Umbrella Carrier Status Non-admitted States Most States US Assure Coverages Builders Risk, Business Income, COC, Contractors Equip, Earthquake, Fire, Flood, High Valued Homes, Hurricane, Installation Floaters, Residential Property, Theft, Tools & Equip, Weather, Windstorm Carrier Status Admitted States Most States

Construction Wrap-Up Construction Insurance Partners Coverages Builders Risk, E&O, Excess Liab, GL, Workers’ Comp States Most States MAXIMUM Coverages Excess Liab, GL, Umbrella Carrier Status Admitted, Non-admitted States Most States Worldwide Facilities LLC Coverages Blanket Additional Insureds, Blanket Waivers, CGL, Commercial Excess, Completed Operations Liability, Employee Benefits, GL, Protection & Indemnity (P&I) Carrier Status Admitted, Non-admitted States All States Wrap Up Insurance Solutions Coverages Excess Liability, Liability, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States

Consultants-All Kinds 5Star D&O Program Coverages D&O, EPLI, Fiduciary Liab Carrier Status Admitted States Most States 5Star Workers’ Compensation Services Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States Access E&S Insurance Services (CA) Coverages Cyber Liab, GL, Professional Liability, Property Carrier Status Admitted, Non-admitted States AZ, CA, CO, ID, NV, OR, TX, WA AMIS/Alliance Marketing & Insurance Services Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, BOP, Liability, Professional Liab, Property, Workers’ Comp Carrier Status Admitted States Most States Burns & Wilcox - All Offices Coverages CGL, Environmental Liab, Excess Liab, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States CITA Ins. Services, Div of Brown & Brown Program Ins. Coverages Misc Professional Liab, Professional Liability Carrier Status Admitted, Non-admitted States Most States Fox Point Programs Coverages E&O, GL, Professional Liability Carrier Status Non-admitted States Most States

JLT Facilities Inc. Coverages Cyber Liab, E&O, GL, Liability, Misc Professional Liab, Professional Liab Carrier Status Admitted States Most States NAS Insurance Services Coverages Billing Error E&O, Compliance Mgmt, Cyber Liab, E&O, EPLI, Legal Expense Ins, Legal Liab, Liability, Misc Professional Liab, Mortgage Impairment, Professional Liab, Technology E&O Carrier Status Non-admitted States Most States Norman-Spencer International Inc. Coverages E&O, Professional Liab Carrier Status Admitted States Most States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States Professional Ins. Concepts (fka Crump Prof. Concepts) Coverages E&O, EPLI, Professional Liab Carrier Status Admitted States Most States Professional Liability Ins Svcs - Underwriting Facilities Coverages E&O, EPLI, Professional Liability Carrier Status Non-admitted States Most States SWBC Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Auto Pers-Standard, D&O, E&O, Employee Benefits, Excess Flood, Flood, Force Place Fire Coverage, Medical, Personal Liab, Professional Liab, Short & Long-Term Disability, Theft, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States Target Professional Programs Coverages E&O, Professional Liab Carrier Status 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 (VA) Coverages Excess Liab, Liability, Pollution Liab, Professional Liab Carrier Status Non-admitted States AR, DE, GA, IL, MD, NC, NJ, NY, OH, PA, SC, TN, TX, VA, DC Ashley General Agency Coverages GL, Pollution Liab, Professional Liab Carrier Status Non-admitted States TX Beacon Hill Associates Inc. Coverages CGL, E&O, Pollution States Most States Berkley Specialty Underwriting Mgrs - Environmental Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Blanket Addt’l Insureds, Blanket Waivers, CGL, Commercial Excess, E&O, Emergency Towing & Service, Environmental Liability, GL, International Coverage - Commercial, Pollution, Pollution Liab, Professional Liability, Railroad Protective Liability, Umbrella, Uninsured Motorists, Uninsured Personal Injury, USL&H, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States Commercial Sector Insurance Brokers LLC Coverages CGL, Commercial Excess, Contractors Equip, Environmental Liab, Misc Professional Liab, Professional Liab, Umbrella Carrier Status Non-admitted States Most States Freberg Environmental Inc. Coverages CGL, E&O, Environmental Liab, EPLI, GL, Nonowned & Hired Auto, Pollution, Pollution Liab, Professional Liability, Transportation Pollution Liability, Umbrella Carrier Status Non-admitted States All States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States Quaker Special Risk (New Jersey) Coverages GL, Liability, Pollution, Pollution Liab, Professional Liab, Umbrella Carrier Status Non-admitted States Most States Quirk & Company Coverages CGL, 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

December 7, 2015 INSURANCE JOURNAL-NATIONAL REGION | N53

2015 Annual Program Directory, Volume II Victor O. Schinnerer & Co. Coverages D&O, E&O, EPLI, Fiduciary Liab, Kidnap/Ransom, Professional Liab Carrier Status Admitted, Non-admitted States Most States

Contractors AmTrust Surety Coverages Contractors License Bonds, Performance & Payment Bonds Carrier Status Admitted States Most States AmWINS Group Inc. - 80 Offices Nationwide Coverages Equipment, Excess Liab, GL, Umbrella Carrier Status Admitted, Non-admitted States Most States Apollo General Ins. Agency Inc. Coverages Auto Comm-Standard, Auto Comm-Standard Phys Dmg, Blanket Addt’l Insureds, Blanket Waivers, Builders Risk, Cargo, Contractors Equip, Contractors License Bonds, Installation Floaters, Real & Business Personal Prop, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States Applied Underwriters Inc. Coverages EPLI, Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States Most States Burns & Wilcox - All Offices Coverages Equipment, GL Carrier Status Admitted, Non-admitted States Most States Construction Insurance Partners Coverages Excess Liab, GL, Professional Liab, Umbrella, Workers’ Comp States Most States Construction Insurance Solutions Coverages Auto Comm-Standard, Commercial Excess, GL, Real & Business Personal Prop, Workers’ Comp Plus (Alternative) Carrier Status Non-admitted States All States Crouse & Associates Coverages Auto Comm-Standard, Auto Comm-Standard Phys Dmg, Builders Risk, CGL, COC, D&O, Difference in Conditions, E&O, Property, Umbrella Carrier Status Admitted States All States

Empire Underwriters LLC

Coverages Builders Risk, Commercial Excess, GL, High Valued Homes, Pollution Liability, Property, Residential `wrap-up`, USL&H, Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted, Non-admitted States Most States Financial Risk Solutions Inc. Coverages Boiler & Machinery, Equipment Breakdown, Product Extended Warranty, Service Contracts, Warranties, Extended Carrier Status Admitted States All States GMI Insurance Services Coverages Auto Comm-Standard, Auto Comm-Standard Liability Carrier Status Admitted States Most States HCC Specialty Coverages E&O, Professional Liab Carrier Status Non-admitted States All States Horizon Risk Insurance Services Inc. Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, COC, Contractors Equip, Inland Marine, Liability, Property Carrier Status Admitted, Non-admitted States AZ, CA, NV, WA JM Assoc / Burnham + Co, a Div of Hub Int’l Northeast Coverages Auto Comm-Standard, GL, Installation Floaters, OCP, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States M.J. Kelly Company Coverages Builders Risk, CGL, Commercial Excess, Commercial Marine, Completed Operations Liab, Contractors Equip, Equipment, GL, Inland Marine, Installation Floaters, Liability, Property, Umbrella States AR, CO, FL, IA, ID, IL, KS, MO, MS, MT, NM, OK, TN, TX, UT N-Surance Outlets Inc. (Florida) Coverages Builders Risk, Business Income, Contractors Equip, Inland Marine, Liability, OCP, Property Carrier Status Non-admitted States AL, FL, GA, LA, TN N-Surance Outlets Inc. (Georgia) Coverages Contractors Equip, Inland Marine, Liability, Property Carrier Status Non-admitted States GA, LA, TN National Indemnity Company Coverages Auto Comm-Nonstandard, Auto Comm-Nonstandard Phys Dmg, Liability, Medical Payments, Products Liab, Uninsured Motorists Carrier Status Admitted, Non-admitted States Most States

NeitClem Wholesale Insurance Brokerage Inc. Coverages Blanket Addt’l Insureds, Completed Operations Liab, Contractors Equip, Excess Liab, Liability, Medical Payments, Nonowned & Hired Auto, Pollution, Pollution Liab, Professional Liab, Residential `wrap-up`, Tools & Equipment, Umbrella Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX New Empire Group Coverages Builders Risk, Contractors Equip, Inland Marine, Installation Floaters States AZ, CT, DE, FL, GA, IL, MA, MD, ME, NC, NJ, NY, OH, PA, SC, VA, VT Next Wave Insurance Services LLC Coverages E&O, Pollution, Professional Liab 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 Platinum Program Managers & Insurance Services Inc. Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States AK, AZ, CA, CO, ID, MT, NM, NV, OR, UT PMC Insurance Group Coverages Workers’ Comp Carrier Status Admitted States Most States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States Professional Underwriters Agency Inc. Coverages Pollution Liability, Professional Liability Carrier Status Non-admitted States Most States Roush Insurance Services Inc. Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, 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, Equipment Breakdown, Fire, Fire Legal Liab, GL, Glass, Inland Marine, Installation Floaters, Liability, Medical Payments, OCP, Pollution Liab, Pool & Spa Liab, Portable Equip, Property, Real & Business Personal Prop, Rented Property Carrier Status Admitted, Non-admitted States IL, IN, OH RSI International (Missouri); dba Walter General Agency 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 Scottish American Coverages CGL, Commercial Excess, Contractors Equip Carrier Status Admitted, Non-admitted States CA Specialized Insurance Coverages BOP, CGL, GL Carrier Status Admitted, Non-admitted States FL, NY, PA SURETY ONE Inc. Coverages Fidelity, Fidelity Bonds Carrier Status Admitted, Non-admitted States Most States TAPCO Underwriters Inc. Coverages Blanket Addt’l Insureds, GL, Products Liab, Property Carrier Status Non-admitted States Most States Tejas American General Agency Coverages Auto Comm-Nonstandard, Auto Comm-Standard, Builders Risk, E&O, GL, Pollution, Workers’ Comp Carrier Status Admitted, Non-admitted States TX The McGowan Companies Coverages Commercial Excess, Excess Liab, Umbrella States Most States 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, Windstorm Carrier Status Admitted States Most States Western Security Surplus Insurance Brokers Inc. 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 CA, TX

54 | INSURANCE JOURNAL-NATIONAL REGION December 7, 2015

Contractors-Air Conditioning Oryx Insurance Brokerage Inc. Coverages Auto Comm-Standard, GL, Umbrella, Workers’ Comp Carrier Status Admitted States CT, DE, MD, NJ, NY, PA, VT

Contractors-Alarm All Risks Ltd. Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Crime, Excess Liab, GL, Inland Marine, Lost Key, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Non-admitted States Most States Brownyard Group Coverages Assault & Battery, Auto Comm-Standard, Blanket Addt’l Insureds, Care/Custody/Control, CGL, Crime, E&O, Fidelity, Fire Legal Liab, GL, Inland Marine, Liability, Lost Key, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted States Most States Brownyard Programs Ltd. Coverages Blanket Addt’l Insureds, CGL, E&O, Excess Liab, Fidelity Bonds, Umbrella, Workers’ Comp Carrier Status Non-admitted States Most States Burns & Wilcox - All Offices Coverages CGL, Excess Liab, Inland Marine, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States Costanza Insurance Agency Inc. Coverages GL, Professional Liab Carrier Status Non-admitted States All States Izzo Insurance Services Inc. Coverages Auto Comm-Standard, Crime, E&O, EPLI, Excess Liab, Fidelity Bonds, GL, Performance & Payment Bonds, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States

The Mechanic Group Inc.

Coverages CGL, Commercial Excess, Contractors License Bonds, D&O, E&O, EPLI, Liability, Umbrella, Workers’ Comp Carrier Status Non-admitted States Most States

Contractors-Artisan Advanced E&S Group - Midwest Region Coverages Business Income, CGL, Contractors Equip, GL, Inland Marine, Liability, OCP, Personal Property, Products Liab, Real & Business Personal Prop, Theft, Umbrella Carrier Status Nonadmitted States IA, IL, IN, KS, KY, MI, MN, MO, NE, OH, WI American Underwriting Managers Coverages Builders Risk, CGL, Inland Marine, Installation Floaters, Property, Umbrella Carrier Status Non-admitted States AR, LA, NM, TX Apollo General Ins. Agency Inc. Coverages Auto Comm-Standard, Equipment, GL, Property, Umbrella Carrier Status Admitted, Non-admitted States AZ, CA, IL, NM, OK, OR, TX, WA Atlas General Insurance Services Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States Most States Brecht & Associates Coverages Auto Comm-Nonstandard, Auto Comm-Nonstandard Phys Dmg, Auto Comm-Standard, BOP, Cargo, CGL, Contractors Equip, Excess Liab, GL, Property, Tools & Equip, Umbrella Carrier Status Non-admitted States TX Burns & Wilcox - All Offices Coverages CGL, Excess Liab, Inland Marine, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States Construction Insurance Solutions Coverages Auto Comm-Standard, Commercial Excess, Contractors Equip, GL, Real & Business Personal Prop, Workers’ Comp Carrier Status Non-admitted States All States Crusader Insurance Company Coverages GL, Property Carrier Status Admitted States CA Delta General Agency Corp.

Coverages GL, Property Carrier Status Non-admitted States TX GMI Insurance Services Coverages Auto Comm-Standard, Auto Comm-Standard Liability Carrier Status Admitted States Most States Horizon Risk Insurance Services Inc. Coverages Auto Comm-Standard, COC, Contractors Equip, Liability, Property Carrier Status Admitted, Non-admitted States AZ, CA, NV, WA www.insurancejournal.com

2015 Annual Program Directory, Volume II Insurance Center Special Risks Ltd. Coverages Fire Legal Liab, GL, Medical Payments Carrier Status Non-admitted States CT, MA, ME, NH, NY, PA, RI, VT Lancer Indemnity Company Coverages Flood, GL, Property Carrier Status Admitted States NJ, NY, PA Logic Underwriters Inc. Coverages GL, Umbrella, Workers’ Comp Carrier Status Non-admitted States TX M.J. Hall & Company Inc. Coverages CGL, Contractors Equip, Employee Benefits, EPLI, Pollution Liab, Property Carrier Status Admitted, Non-admitted States AK, AZ, CA, HI, NV Monarch E&S Insurance Services Coverages GL, Inland Marine Carrier Status Admitted States CA National Insurance Underwriters Coverages Blanket Addt’l Insureds, Blanket Waivers, Employee Benefits, Fire Legal Liab, GL, Umbrella Carrier Status Admitted States AL, AZ, CT, DE, FL, GA, ID, IL, IN, LA, MD, MN, NC, NH, NJ, NV, NY, PA, TN, TX, VA, VT, WI NIF Group Inc. 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, OR Norman-Spencer Agency Inc. Coverages Excess Liab, GL Carrier Status Admitted, Nonadmitted States All States Oryx Insurance Brokerage Inc. Coverages Auto Comm-Standard, GL, Umbrella, Workers’ Comp Carrier Status Admitted States CT, DE, MD, NJ, NY, PA, VT PMC Insurance Group Coverages Workers’ Comp Carrier Status Admitted States Most States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States Quaker Special Risk (New Jersey) Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, EPLI Carrier Status Non-admitted States CT, DE, MA, MD, ME, NJ, NY, PA, RI, VT South Texas General Insurance Agency Coverages Auto Comm-Nonstandard, CGL, Property Carrier Status Non-admitted States TX 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 Specialized Insurance Coverages BOP, CGL, GL Carrier Status Admitted, Non-admitted States FL, NY, PA 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 Most States Tejas American General Agency Coverages Auto Comm-Nonstandard, Auto Comm-Standard, Builders Risk, GL, Workers’ Comp Carrier Status Admitted, Non-admitted States TX Unifax Insurance Systems Inc. Coverages GL, Property Carrier Status Admitted States CA Vilage & Company LLC Coverages BOP, GL Carrier Status Admitted States Most States

Ascinsure Specialty Risk

Coverages Auto Comm-Standard, Crime, GL, Inland Marine, Liability, Property, Umbrella, Workers’ Comp States Most States NBIS Coverages Auto Comm-Standard, Auto Comm-Standard Phys Dmg, Bailee/Customer Goods, Blanket Addt’l Insureds, Blanket Waivers, Builders Risk, Care/Custody/Control, CGL, Commercial Excess, Contractors Equip, Excess Liab, Inland Marine, Liability, Long Haul, Non-Trucking Auto Liab, Nonowned & Hired Auto, Physical Damage, Physical Damage Rental Units, Real & Business Personal Prop, Tools & Equip, Truck Auto Liab, Umbrella Carrier Status Admitted, Non-admitted States Most States Norman-Spencer Agency Inc. Coverages Auto Comm-Standard, Excess Liab, GL, Inland Marine Carrier Status Admitted, Non-admitted States All States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States

Contractors-Demolition AmWINS Group Inc. - 80 Offices Nationwide Coverages Auto Comm-Standard, GL, Inland Marine, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States AmWINS Program Underwriters Coverages Blanket Addt’l Insureds, Blanket Waivers, Crime, E&O, GL, Inland Marine, Property, Umbrella States AR, AZ, CO, CT, DE, GA, IL, IN, KY, MD, MI, MO, NC, NJ, NV, OH, OR, PA, SC, TN, UT, VA, WA Apollo General Ins. Agency Inc. Coverages Accident & Health, Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, Cargo, Employee Benefits, Environmental Liab, EPLI, Equipment, GL, Int’l Coverage Commercial, Real & Business Personal Prop, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States Burns & Wilcox - All Offices Coverages CGL, Excess Liab, Inland Marine, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States

Contractors-Electrical Construction Insurance Solutions Coverages Auto Comm-Standard, Commercial Excess, Contractors Equip, GL, Real & Business Personal Prop, Workers’ Comp Carrier Status Non-admitted States All States Oryx Insurance Brokerage Inc. Coverages Auto Comm-Standard, GL, Umbrella, Workers’ Comp Carrier Status Admitted States CT, DE, MD, NJ, NY, PA, VT

Contractors-Elevators JM Assoc / Burnham + Co, a Div of Hub Int’l Northeast Coverages Auto Comm-Standard, GL, Installation Floaters, OCP, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States JM Associates / Burnham + Company Coverages Auto Comm-Standard, Blanket Addt’l Insureds, Builders Risk, Business Interruption, CGL, Contractors Equip, Employee Benefits, Excess Liab, GL, Inland Marine, Installation Floaters, Liability, OCP, Pollution, Products Liab, Property, Tools & Equip, Umbrella, Uninsured Motorists, Workers’ Comp Carrier Status Admitted States Most States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States

Contractors-Crane & Rigging

Contractors-Environmental

Apollo General Ins. Agency Inc. Coverages Auto Comm-Standard, Equipment, GL, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States

Access E&S Insurance Services (CA) Coverages CGL, Pollution Liab, Professional Liab Carrier Status Non-admitted States AZ, CA, CO, ID, NV, OR, TX, WA

www.insurancejournal.com

AmWINS Group Inc. - 80 Offices Nationwide Coverages GL, Pollution Liability, Professional Liability Carrier Status Admitted, Non-admitted States Most States Axon Underwriting Partners LLC Coverages Pollution, Pollution Liab Carrier Status Non-admitted States Most States Beacon Hill Associates Inc. Coverages CGL, E&O, Pollution States Most States Burns & Wilcox - All Offices Coverages CGL, Environmental Liab, Excess Liab, Pollution Liab, Professional Liab, Umbrella Carrier Status Admitted, Non-admitted States Most States

Intercorp Inc.

Coverages Environmental Liab, Pollution Liability Carrier Status Non-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, Identity Theft, Legal Expense Ins, Nonowned & Hired Auto, Personal Property, Professional Liab, Protection & Indemnity (P&I), Umbrella, Uninsured Motorists Carrier Status Admitted States All States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States Quaker Special Risk (New Jersey) Coverages CGL, GL, Liability, Pollution, Pollution Liab, Professional Liab, Umbrella Carrier Status Non-admitted States Most States Quirk & Company Coverages CGL, Contractors Equip, D&O, E&O, Environmental Liab, Equipment, Excess Flood, Excess Liab, Flood, Kidnap/ Ransom, Pollution Liab, Professional Liability, Property Carrier Status Non-admitted States LA, OK, OR, TX, WA USX/S Coverages CGL, Cyber Liab, Pollution, Pollution Liab, Professional Liab, Umbrella Carrier Status Non-admitted States All States

Contractors-Excavating/Grading Applied Underwriters Inc. Coverages EPLI, Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States Most States Construction Insurance Solutions Coverages Auto Comm-Standard, Commercial Excess, Contractors Equip, GL, Real & Business Personal Prop, Workers’ Comp Carrier Status Non-admitted States All States Insurance Center Special Risks Ltd. Coverages GL, Inland Marine Carrier Status Non-admitted States CT, MA, ME, NH, PA, RI, VT NeitClem Wholesale Insurance Brokerage Inc. Coverages Blanket Addt’l Insureds, Completed Operations Liab, Contractors Equip, Excess Liab, Liability, Medical Payments, Nonowned & Hired Auto, Pollution, Pollution Liab, Professional Liab, Residential `wrap-up`, Tools & Equipment, Umbrella Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX Oryx Insurance Brokerage Inc. Coverages Auto Comm-Standard, GL, Umbrella, Workers’ Comp Carrier Status Admitted States CT, DE, MD, NJ, NY, PA, VT Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States

Contractors-Explosives/Blasting/ Drilling Apollo General Ins. Agency Inc. Coverages Auto Comm-Standard, CGL, Commercial Excess, Contractors Equip, Contractors License Bonds, Inland Marine, Pollution, Pollution Liab Carrier Status Admitted States Most States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States

December 7, 2015 INSURANCE JOURNAL-NATIONAL REGION | N55

2015 Annual Program Directory, Volume II Contractors-Fire & Water Restoration AmWINS Group Inc. - 80 Offices Nationwide Coverages GL, Pollution Liab, Professional Liab Carrier Status Admitted, Non-admitted States Most States Beacon Hill Associates Inc. Coverages CGL, E&O, Pollution States Most States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States USG Insurance Services Inc. Coverages Builders Risk, Care/Custody/Control, CGL, E&O, EPLI, Excess Liab, OCP, Pollution, Pollution Liab, Professional Liab, Umbrella Carrier Status Admitted, Non-admitted States Most States USX/S Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Commercial Excess, Completed Operations Liab, Contractors Equip, Cyber Liab, E&O, Environmental Liab, EPLI, Equipment, GL, Identity Theft, Pollution Liab, Professional Liab, Umbrella Carrier Status Admitted, Non-admitted States All States

Contractors-Fire Protection/Fire Sprinkler All Risks Ltd. Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Crime, GL, Inland Marine, Lost Key, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Non-admitted States Most States AmWINS Group Inc. - 80 Offices Nationwide Coverages Auto Comm-Standard, Crime, E&O, GL, Inland Marine, Pollution Liab, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States Construction Insurance Solutions Coverages Auto Comm-Standard, Commercial Excess, Contractors Equip, GL, Real & Business Personal Prop, Workers’ Comp Carrier Status Non-admitted States All States Horizon Risk Insurance Services Inc. Coverages GL, Liability Carrier Status Admitted, Non-admitted States CA, NV Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States RelMark Program Managers Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, E&O, Environmental Liab, Excess Liab, OCP, Professional Liab Carrier Status Admitted, Non-admitted States Most States

Contractors-General American Underwriting Managers Coverages Builders Risk, CGL, Pollution, Pollution Liability, Professional Liability, Property, Umbrella Carrier Status Non-admitted States AR, LA, NM, TX Ashley General Agency Coverages CGL, Commercial Excess, Inland Marine Carrier Status Non-admitted States TX Bass Underwriters Coverages Blanket Addt’l Insureds, GL States AL, AR, CA, CO, FL, GA, ID, IL, MA, MD, MI, NC, NV, NY, OH, OK, OR, SC, TN, UT, VA, WV Beacon Hill Associates Inc. Coverages CGL, E&O, Pollution States Most States Burns & Wilcox - All Offices Coverages CGL, Excess Liab, Inland Marine, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States Construction Insurance Partners Coverages Excess Liab, GL, Professional Liab, Umbrella, Workers’ Comp States Most States Construction Insurance Solutions Coverages Commercial Excess, Contractors Equip, GL, Real & Business Personal Prop, Workers’ Comp Carrier Status Non-admitted States All States Delta General Agency Corp.

Coverages GL, Property Carrier Status Non-admitted States TX

Horizon Risk Insurance Services Inc. Coverages Auto Comm-Standard, Contractors Equip, Inland Marine, Liability Carrier Status Admitted, Non-admitted States AZ, CA, NV, WA Lancer Insurance Company Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg Carrier Status Admitted States CT, NJ, NY, PA Logic Underwriters Inc. Coverages Builders Risk, Equipment, GL, Property Carrier Status Admitted, Non-admitted States TX M.J. Hall & Company Inc. Coverages CGL, Contractors Equip, Excess Liab, Pollution Liab, Property Carrier Status Admitted, Non-admitted States AK, AZ, CA, HI, NV

MexiPass International Insurance Services LLC

Coverages Int’l Coverage - Commercial, Int’l Coverage - Personal Carrier Status Admitted States All States Monarch E&S Insurance Services Coverages Blanket Addt’l Insureds, CGL Carrier Status Non-admitted States CA Oryx Insurance Brokerage Inc. Coverages Auto Comm-Standard, GL, Umbrella, Workers’ Comp Carrier Status Admitted States CT, DE, MD, NJ, NY, PA, VT Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States Quaker Special Risk (Florida) Coverages Blanket Addt’l Insureds, Blanket Waivers, Builders Risk, CGL, Contractors Equip, GL, Liability, Pollution Liab, Umbrella Carrier Status Non-admitted States Most States Quaker Special Risk (Mass.)

Coverages Blanket Addt’l Insureds, Blanket Waivers, Builders Risk, CGL, Contractors Equip, GL, Liability, Pollution Liab, Umbrella Carrier Status Non-admitted States Most States Quaker Special Risk (New Jersey) Coverages Blanket Addt’l Insureds, Blanket Waivers, Builders Risk, CGL, Contractors Equip, GL, Liability, Pollution Liab, Umbrella Carrier Status Non-admitted States Most States Quaker Special Risk (New York) Coverages Blanket Addt’l Insureds, Blanket Waivers, Builders Risk, CGL, Contractors Equip, GL, Liability, Pollution Liab, Umbrella Carrier Status Non-admitted States Most States 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 Southwest Risk Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Umbrella Carrier Status Non-admitted States All States Specialized Insurance Coverages BOP, CGL, GL Carrier Status Admitted, Non-admitted States FL, NY, PA US Assure Coverages Builders Risk, Business Income, COC, Contractors Equip, Earthquake, Fire, Flood, Hail, High Valued Homes, Installation Floaters, Residential Property, Theft, Weather, Windstorm Carrier Status Admitted States Most States Worldwide Facilities LLC Coverages CGL, Commercial Excess, Completed Operations Liab, D&O, Difference in Conditions, E&O, Environmental Liab, EPLI, Excess Liab, GL, Inland Marine, Liability, New Occurrence, Pollution Liab, Residential Property, Residential `wrap-up`, Umbrella Carrier Status Admitted, Non-admitted States All States Wrap Up Insurance Solutions Coverages GL, Residential `wrap-up` States Most States

Contractors-Landscape Applied Underwriters Inc. Coverages EPLI, Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States Most States Builders & Tradesmen’s Insurance Services Inc. Coverages CGL, Equipment, Inland Marine, Property Carrier Status Admitted, Non-admitted States Most States

56 | INSURANCE JOURNAL-NATIONAL REGION December 7, 2015

Construction Insurance Solutions Coverages Commercial Excess, Contractors Equip, GL, Real & Business Personal Prop, Workers’ Comp Carrier Status Non-admitted States All States Delta General Agency Corp.

Coverages GL, Property Carrier Status Non-admitted States TX Oryx Insurance Brokerage Inc. Coverages Auto Comm-Standard, GL, Umbrella, Workers’ Comp Carrier Status Admitted States CT, DE, MD, NJ, NY, PA, VT Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States

Contractors-Marine All Risks Ltd. Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Bumbershoot, Commercial Marine, Equipment, GL, Hull, MEL, Property, Protection & Indemnity (P&I), Umbrella, USL&H, Workers’ Comp Carrier Status Non-admitted States Most States 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 Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States The Hanover Insurance Group Coverages Builders Risk, Contractors Equip, Installation Floaters, Property Carrier Status Admitted States Most States

Contractors-Oil & Gas Alliant Specialty Insurance Services Inc. Coverages Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, Care/Custody/Control, CGL, Contractors Equip, Inland Marine, Installation Floaters, Pollution, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States American Underwriting Managers Coverages CGL, GL, Pollution, Pollution Liab, Professional Liab, Property, Umbrella Carrier Status Non-admitted States AR, LA, NM, TX Ashley General Agency Coverages CGL, Excess Liab, Pollution Liab, Professional Liab Carrier Status Non-admitted States TX Burnett & Company, Inc. Coverages CGL, Umbrella Carrier Status Non-admitted States All States MarketScout Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, GL, Inland Marine, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States McClelland and Hine Inc. Coverages Liability, Umbrella Carrier Status Non-admitted States TX Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States 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 States LA, OK, OR, TX, WA Southwest Risk Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Umbrella Carrier Status Non-admitted States All States U.S. Risk Insurance Group Inc. Coverages GL, Property Carrier Status Non-admitted States All States Victor O. Schinnerer & Co. Coverages Auto Comm-Standard, Crime, D&O, EPLI, Excess Liab, Fiduciary Liab, GL, Inland Marine, Kidnap/Ransom, Property Carrier Status Admitted States Most States www.insurancejournal.com

2015 Annual Program Directory, Volume II Western Surplus Lines Agency Inc. Coverages Blanket Addt’l Insureds, Blanket Waivers, Cargo, CGL, Control of Well, Inland Marine, Medical Payments, Nonowned & Hired Auto, Pollution Liab, Professional Liab, Rented Property, Tools & Equip Carrier Status Non-admitted States LA, ND, NM, OK, TX Worldwide Facilities LLC Coverages Care/Custody/Control, CGL, COC, Commercial Excess, Control of Well, D&O, E&O, Environmental Liab, EPLI, Excess Liab, GL, Inland Marine, Liability, New Occurrence, Physical Damage, Pollution Liab, Professional Liab, Protection & Indemnity (P&I), Umbrella Carrier Status Admitted, Non-admitted States All States

Contractors-Plumbing Oryx Insurance Brokerage Inc. Coverages Auto Comm-Standard, GL, Umbrella, Workers’ Comp Carrier Status Admitted States CT, DE, MD, NJ, NY, PA, VT

Contractors-Roofing Construction Insurance Solutions Coverages Auto Comm-Standard, Commercial Excess, Contractors Equipment, GL, Real & Business Personal Property Carrier Status Non-admitted States Most States

Empire Underwriters LLC

Coverages Builders Risk, Commercial Excess, GL, Pollution Liab, Property, Residential `wrap-up`, Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted, Non-admitted States Most States MarketScout Coverages Builders Risk, GL, Inland Marine, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States MexiPass International Insurance Services LLC Coverages Int’l Coverage - Commercial, Int’l Coverage - Personal Carrier Status Admitted States All States NeitClem Wholesale Insurance Brokerage Inc. Coverages Blanket Addt’l Insureds, Completed Operations Liab, Contractors Equip, Excess Liab, Liability, Medical Payments, Nonowned & Hired Auto, Pollution, Pollution Liab, Professional Liability, Residential `wrap-up`, Tools & Equipment, Umbrella Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX Norman-Spencer Agency Inc. Coverages Blanket Addt’l Insureds, Blanket Waivers, GL, Pollution Liab Carrier Status Admitted, Non-admitted States All States Norman-Spencer International Inc. Coverages E&O, Professional Liab Carrier Status Admitted, Non-admitted States Most States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States Quaker Special Risk (Florida) Coverages CGL, GL, Liability, Umbrella Carrier Status Non-admitted States Most States Quaker Special Risk (Mass.)

Coverages CGL, GL, Liability, Umbrella Carrier Status Non-admitted States Most States Quaker Special Risk (New Jersey) Coverages CGL, GL, Liability, Umbrella Carrier Status Non-admitted States Most States Quaker Special Risk (New York) Coverages CGL, GL, Liability, Umbrella 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

Contractors-Service Applied Underwriters Inc. Coverages EPLI, Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States Most States Construction Insurance Solutions Coverages Auto Comm-Standard, Commercial Excess, Contractors Equip, GL, Real & Business Personal Prop, Workers’ Comp Carrier Status Non-admitted States All States Financial Risk Solutions Inc. Coverages Boiler & Machinery, Equipment Breakdown, Product Extended Warranty, Service Contracts, Warranties, Extended Carrier Status Admitted States All States www.insurancejournal.com

Monarch E&S Insurance Services Coverages Blanket Addt’l Insureds, CGL Carrier Status Non-admitted States CA 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

Contractors-Swimming Pools Burns & Wilcox - All Offices Coverages CGL, Excess Liab, Inland Marine, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States M.J. Hall & Company Inc. Coverages CGL, Contractors Equip, Excess Liab, Property Carrier Status Admitted, Non-admitted States AK, AZ, CA, HI, NV Norman-Spencer Agency Inc. Coverages Commercial Excess, Contractors Equip, Equipment, Excess Liability, GL, Inland Marine, Liability, Umbrella Carrier Status Admitted, Non-admitted States Most States

Contractors-Underground Storage Tank Construction AmWINS Group Inc. - 80 Offices Nationwide Coverages GL, Pollution Liability, Professional Liability Carrier Status Admitted, Non-admitted States Most States Berkley Specialty Underwriting Mgrs - Environmental Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Blanket Addt’l Insureds, Blanket Waivers, CGL, Commercial Excess, E&O, Environmental Liab, Excess Liab, GL, Int’l Coverage - Commercial, Liability, Pollution, Pollution Liab, Professional Liab, Railroad Protective Liab, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States Freberg Environmental Inc. Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Commercial Excess, E&O, Environmental Liab, EPLI, GL, Nonowned & Hired Auto, Pollution, Pollution Liab, Professional Liab, Transportation Pollution Liab Carrier Status Non-admitted States All States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States

Convenience Stores

N-Surance Outlets Inc. (Georgia) Coverages Business Income, Liability, Liquor Liab, Property Carrier Status Non-admitted States GA, LA, TN Quirk & Company Coverages CGL, Crime, Excess Flood, Excess Liab, Flood, Food Spoilage, Liquor Liab, Property Carrier Status Admitted, Non-admitted States LA, OK, OR, TX, WA RoamNet Insurance Marketing Programs Coverages BOP, EPLI, Fire Legal Liab, GL, Glass, Workers’ Comp Carrier Status Admitted States AZ, CA, CO, GA, IL, MA, ME, MI, NH, NJ, NV, NY, OR, PA, TX, UT, VA, WA Roush Insurance Services Inc. Coverages Auto Comm-Nonstandard, Blanket Addt’l Insureds, Boiler & Machinery, Business Income & Interruption, CGL, Commercial Excess, Crime, D&O, Equip Breakdown, Excess Liab, Fire, Food Spoilage, GL, Glass, Inland Marine, Liability, Liquor Liab, Mechanical Breakdown, Nonowned & Hired Auto, Products Liab, Property, Spoilage, Theft, Umbrella Carrier Status Admitted, Non-admitted States IL, IN, OH South Texas General Insurance Agency Coverages GL, Property Carrier Status Non-admitted States TX SURETY ONE Inc. Coverages Fidelity, Fidelity Bonds Carrier Status Admitted, Non-admitted States Most States TAPCO Underwriters Inc. Coverages GL, Liquor Liab, Products Liab, Property Carrier Status Non-admitted States Most States UCA General Insurance Services Coverages Business Income, CGL, Crime, EPLI, Equipment Breakdown, Fire Legal Liab, Medical Payments, Property, Umbrella Carrier Status Admitted States AZ, CA, ID, IL, NV, OR, UT, WA, WI Western Security Surplus Insurance Brokers Inc. 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 CA, TX

Cosmetic Manufacturers Brownyard Group Coverages Business Income, Business Interruption, CGL, Employee Benefits, Fire, Fire Legal Liab, GL, Glass, Inland Marine, Liability, Nonowned & Hired Auto, Personal Property, Products Liab, Property, Workers’ Comp Carrier Status Admitted States Most States

Cosmetic Insurance Services, a div of Frenkel & Co.

Advanced E&S Group - Midwest Region Coverages Assault & Battery, Business Income, Business Interruption, CGL, Crime, Excess Liab, Fire, Food Spoilage, GL, Glass, Liability, Liquor Liab, Personal Property, Property, Real & Business Personal Prop, Spoilage Carrier Status Admitted, Non-admitted States IA, IL, IN, KS, KY, MI, MN, MO, NE, NJ, NY, OH, PA, VA, WI All Risks Ltd. Coverages Employee Benefits, Garage Keepers Legal Liab, GL, Liquor Liab, Nonowned & Hired Auto, Property, Workers’ Comp Carrier Status Non-admitted States Most States Burns & Wilcox - All Offices Coverages CGL, Excess Liab, Liquor Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States Compass Insurance Group of Agencies Coverages Business Income, CGL, Glass, Property, Spoilage Carrier Status Non-admitted States CA Crusader Insurance Company Coverages GL, Liquor Liab, Property Carrier Status Admitted States CA Izzo Insurance Services Inc. Coverages Blanket Waivers, Workers’ Comp Carrier Status Admitted States Most States McClelland and Hine Inc. Coverages Crime, Fire, Liability, Liquor Liab, Pollution Carrier Status Non-admitted States TX McLeckie Insurance Group Coverages Business Income, Crime, EPLI, Equipment, Food Borne Illness, Liquor Liab, Property Carrier Status Non-admitted States All States N-Surance Outlets Inc. (Florida) Coverages Business Income, Fire Legal Liab, Food Spoilage, Liability, Liquor Liab, Medical Payments, Property Carrier Status Non-admitted States AL, FL, GA, LA, TN

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 Most States Professional Program Insurance Brokerage Coverages Abuse & Molestation, Blanket Addt’l Insureds, CGL, Commercial Excess, EPLI, GL, Liability, Products Liab, Property Carrier Status Non-admitted States Most States

Counselors/Counseling Centers Alliance of Nonprofits for Ins. Risk Retention Group Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, Business Income &Interruption, Community/ Social Svcs, Crime, Developmental Disabilities, EPLI, Fiduciary Liab, Fire Legal Liab, Inland Marine, Liquor Liab, Mechanical Breakdown, Misc Professional Liab, Non-Profit D&O, Nonowned & Hired Auto, Sexual Misconduct Liab, Umbrella Carrier Status Admitted, Non-admitted States Most States Charity First Insurance Services Inc. Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, Boiler & Machinery, Business Income, CGL, Crime, EPLI, Equipment Breakdown, Inland Marine, Int’l Coverage - Commercial, Liquor Liab, Non-Profit D&O, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted States Most States Irwin Siegel Agency Inc. Coverages Abuse & Molestation, Addiction Treatment, Auto Comm-Standard, Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, Community/Social Svcs, Crime, D&O, Environmental Liab, EPLI, Equipment Breakdown, Excess Liab, GL, Inland Marine, Medical Payments, Mental Health Care, Pollution Liab, Umbrella Carrier Status Admitted States Most States

December 7, 2015 INSURANCE JOURNAL-NATIONAL REGION | N57

2015 Annual Program Directory, Volume II Markel Specialty Coverages Abuse & Molestation, Accident & Health, Auto CommStandard, Business Income, Crime, Equipment Breakdown, GL, Inland Marine, Kidnap/Ransom, Professional Liab, Property, Umbrella Carrier Status Admitted States Most States Negley Associates Coverages CGL, Professional Liab Carrier Status Non-admitted States All States NIF Group Inc. Coverages Abuse & Molestation, Auto Comm-Standard, Boiler & Machinery, Business Income, Business Interruption, Community/ Social Svcs, D&O, E&O, EPLI, Fiduciary Liab, Fire Legal Liab, GL, Liability, Medical & Physical Rehab, Medical Malpractice, Medical Payments, Mental Health Care, Nonowned & Hired Auto, Products Liab, Professional Liab, Umbrella Carrier Status Admitted States Most States Nonprofits Insurance Alliance of Calif.

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, Inland Marine, Liquor Liab, Mechanical Breakdown, Misc Professional Liab, Non-Profit D&O, Nonowned & Hired Auto, Sexual Misconduct Liab, Umbrella, Uninsured Motorists Carrier Status Non-admitted States CA Philadelphia Insurance Companies Coverages Abuse & Molestation, Auto Comm-Standard, Auto Comm-Standard Liability & 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, Physical Damage, Professional Liab, Property, Real & Business Personal Prop, Sexual Misconduct Liab, Umbrella, Uninsured Motorists Carrier Status Admitted States All States SURETY ONE Inc. Coverages Fidelity, Fidelity Bonds Carrier Status Admitted, Non-admitted States Most States

Country Clubs All Risks Ltd. Coverages GL, Liquor Liab, Property, Workers’ Comp 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, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, Food Spoilage, GL, Identity Theft, Inland Marine, Liquor Liab, Nonowned & Hired Auto, Professional Liab, Property, Real & Business Personal Prop, Umbrella, Uninsured Motorists Carrier Status Admitted States All States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States RPS Bollinger Sports & Leisure Coverages Boiler & Machinery, CGL, Crime, D&O, Excess Liab, Identity Theft, Property, Workers’ Comp Carrier Status Admitted States Most States Sports & Fitness Insurance Corporation (SFIC) Coverages Accident & Health, Assault & Battery, Auto CommStandard, Boiler & Machinery, BOP, Builders Risk, Business Income, Business Interruption, CGL, Crime, Cyber Liab, D&O, EPLI, Equipment Breakdown, Flood, GL, Pool & Spa Liab, Professional Liab, Umbrella, Workers’ Comp Carrier Status Admitted States All States

Couriers 5Star Business Auto Program (Misc. classes) Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Medical Payments, Nonowned & Hired Auto, Uninsured Motorists Carrier Status Admitted States Most States Apollo General Ins. Agency Inc. Coverages Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, Business Income, Cargo, EPLI, Excess Liab, Professional Liability, Real & Business Personal Property Carrier Status Admitted, Non-admitted States Most States

Brightstone Insurance Services LLC Coverages Auto Comm-Standard, Bailee/Customer Goods, Blanket Addt’l Insureds, Cargo, CGL, Crime, E&O, EPLI, Equipment, Fidelity, Nonowned & Hired Auto, Occupational Accident, Property, Umbrella, Workers’ Comp Carrier Status Admitted States Most States GMI Insurance Services Coverages Auto Comm-Standard, Auto Comm-Standard Liability Carrier Status Admitted States Most States International Excess Companies Coverages Auto Comm-Nonstandard, Auto Comm-Nonstandard Phys Dmg, Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Business Income, Business Interruption, Cargo, Commercial Excess, Container Refrigeration Break, Crime, E&O, EPLI, Equipment Breakdown, Fire, Food Spoilage, GL, Inland Marine, Liability, Mechanical Breakdown, Physical Damage, Pollution Liab, Transportation Pollution Liab, Umbrella Carrier Status Admitted, Non-admitted States Most States International Excess Program Managers Coverages Cargo, Crime, E&O, EPLI, Excess Liability, GL, Nonowned & Hired Auto, Physical Damage, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States National Indemnity Company Coverages Auto Comm-Nonstandard, Auto Comm-Nonstandard Phys Dmg, Liability, Medical Payments, Uninsured Motorists Carrier Status Admitted, Non-admitted States Most States Parcel Insurance Plan Coverages Cargo, Inland Marine Carrier Status Admitted States Most States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States Program Risk Specialists Coverages Nonowned & Hired Auto Carrier Status Non-admitted States Most States SURETY ONE Inc. Coverages Fidelity, Fidelity Bonds Carrier Status Admitted, Non-admitted States Most States

Wildlife Insurance Underwriters LLC Coverages Accident & Health, Accidental Death, Auto CommStandard, Disability, Flood, Herbicide & Pesticide, Homeowners Pkg, Hull, Liability, Pollution, Property, Props, Umbrella, Workers’ Comp Carrier Status Non-admitted States Most States

Crane, Scaffolding & Equipment Rental Dealers

Alliance of Nonprofits for Ins. Risk Retention Group Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, Business Income, Business Interruption, CGL, Community/Social Svcs, Crime, Developmental Disabilities, EPLI, Fiduciary Liab, Fire Legal Liab, Inland Marine, Liquor Liab, Mechanical Breakdown, Misc Professional Liab, Non-Profit D&O, Nonowned & Hired Auto, Sexual Misconduct Liab, Umbrella, Uninsured Motorists Carrier Status Admitted, Non-admitted States Most States Charity First Insurance Services Inc. Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, Business Income, CGL, Crime, EPLI, Inland Marine, Liquor Liab, Non-Profit D&O, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted States Most States Compass Insurance Group of Agencies Coverages CGL, Property Carrier Status Non-admitted States CA Irwin Siegel Agency Inc. Coverages Abuse & Molestation, Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Crime, D&O, Developmental Disabilities, Disability, Environmental Liab, EPLI, Excess Liab, Fire Legal Liab, GL, Inland Marine, Medical & Physical Rehab, Medical Payments, Mental Health Care, Nonowned & Hired Auto, Pollution Liab, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States M.J. Kelly Company Coverages Business Income, CGL, Commercial Excess, Completed Operations Liab, EPLI, GL, Liability, Professional Liab, Property, Umbrella States AR, CO, FL, IA, ID, IL, KS, MO, MS, MT, NM, OK, TN, TX, UT Markel Specialty Coverages Abuse & Molestation, CGL, Crime, Cyber Liab, Inland Marine, Property, Student Accident, Umbrella, Workers’ Comp Carrier Status Admitted States Most States Monarch E&S Insurance Services Coverages Abuse & Molestation, CGL Carrier Status Non-admitted States CA

Ascinsure Specialty Risk

Coverages Auto Comm-Standard, Crime, GL, Inland Marine, Liability, Property, Umbrella, Workers’ Comp Carrier Status Admitted States Most States NBIS Coverages Auto Comm-Standard, Auto Comm-Standard Phys Dmg, Bailee/Customer Goods, Blanket Addt’l Insureds, Blanket Waivers, Builders Risk, Care/Custody/Control, CGL, Commercial Excess, Contractors Equip, Excess Liab, Inland Marine, Liability, Long Haul, Non-Trucking Auto Liab, Nonowned & Hired Auto, Physical Damage, Physical Damage Rental Units, Real & Business Personal Prop, Tools & Equip, Truck Auto Liab, Umbrella Carrier Status Admitted, Non-admitted States Most States Norman-Spencer Agency Inc. Coverages Auto Comm-Nonstandard, Auto Comm-Nonstandard Phys Dmg, Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, CGL, Commercial Excess, Contractors Equip, Equipment, Equipment Breakdown, Excess Liab, GL, Inland Marine, Liability, On-Hook Cargo, Physical Damage, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States Western Surplus Lines Agency Inc. Coverages CGL, Contractors Equipment, Inland Marine Carrier Status Non-admitted States LA, ND, NM, OK, TX

Crop Dusters/Sprayers Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States

58 | INSURANCE JOURNAL-NATIONAL REGION December 7, 2015

Dairies Agricultural Insurance Mgmt Services Coverages Equipment Breakdown, Homeowners Pkg, Identity Theft, Liability, Property, Tools & Equip Carrier Status Admitted States Most States Mark D. Fredricksen Insurance Services Coverages CGL, Livestock/Animal Mortality, Property Carrier Status Admitted States Most States Tejas American General Agency Coverages Equipment, GL, Property Carrier Status Admitted, Non-admitted States TX

Dance Schools/Studios K&K Insurance Group Inc. Coverages Business Income, Crime, GL, Inland Marine, Liquor Liab, Property, Workers’ Comp Carrier Status Admitted States Most States Markel Specialty Coverages Accident & Health, Auto Comm-Standard, Business Income, Crime, Equipment Breakdown, GL, Inland Marine, Personal Property, Property, Umbrella Carrier Status Admitted States Most States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States Special Markets Ins. Consultants, An AmWINS Group Coverages Accident & Health, Liability Carrier Status Admitted States Most States Sports & Fitness Insurance Corporation (SFIC) Coverages GL, Property Carrier Status Admitted States Most States

Day Care/Preschools

www.insurancejournal.com

2015 Annual Program Directory, Volume II N-Surance Outlets Inc. (Florida) Coverages Abuse & Molestation, Business Income, Educator Legal Liab, Fire Legal Liab, Liability, Medical Payments, Professional Liab, Property Carrier Status Non-admitted States AL, FL, GA, LA, TN N-Surance Outlets Inc. (Georgia) Coverages Abuse & Molestation, Business Income, Liability, Professional Liab, Property Carrier Status Admitted, Non-admitted States GA, LA, TN Negley Associates Coverages CGL, Professional Liab Carrier Status Non-admitted States All States

Philadelphia Insurance Companies

Coverages Abuse & Molestation, Auto Comm-Standard, Auto Comm-Standard Liability & 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, Nonowned & Hired Auto, Professional Liab, Property, Real & Business Personal Prop, Sexual Misconduct Liab, Umbrella, Uninsured Motorists Carrier Status Admitted States All States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, DIC, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States Roush Insurance Services Inc. Coverages Abuse & Molestation, Accident & Health, Auto Comm-Nonstandard, Blanket Addt’l Insureds, Business Income, Business Interruption, CGL, Commercial Excess, Crime, D&O, Excess Liab, Fire, Fire Legal Liab, Glass, Inland Marine, Liability, Medical Payments, Nonowned & Hired Auto, Professional Liab, Property, Real & Business Personal Prop, Sexual Misconduct Liability, Spoilage, Student Accident, Theft, Umbrella Carrier Status Admitted, Non-admitted States IL, IN, OH South & Western General Agency Inc. Coverages Liability, Property Carrier Status Non-admitted States AR, MS, OK, TN, TX TAPCO Underwriters Inc. Coverages Abuse & Molestation, Accessories, GL, Professional Liab, Property Carrier Status Non-admitted States Most States Western Experts in Transportation Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg Carrier Status Admitted States Most States

Day Spas Burns & Wilcox - All Offices Coverages CGL, Excess Liab, Inland Marine, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States Continental Brokers Inc. Coverages Accident & Health, Auto Comm-Standard, Auto PersStandard, Boiler & Machinery, BOP, Business Income, Business Interruption, EPLI, Flood, Glass, Homeowners Pkg, Medical, Misc Professional Liability, Professional Liability, Umbrella Carrier Status Admitted States Most States Insurtec Tanning and Spa Insurance Coverages Addt’l Expense, BOP, Business Income, Business Interruption, CGL, Crime, EPLI, Equipment Breakdown, Fire Legal Liab, Misc Professional Liab, Nonowned & Hired Auto, Professional Liability, Property, Tanning Liability Carrier Status Non-admitted States Most States Philadelphia Insurance Companies Coverages Professional Liab, Property States All States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States Professional Program Insurance Brokerage Coverages Abuse & Molestation, BOP, Commercial Excess, GL, Personal Property, Products Liab, Professional Liab Carrier Status Non-admitted States Most States SASSI - Salon & Spa Specialty Insurance Coverages Business Income, Business Interruption, CGL, Fire, Fire Legal Liab, GL, Glass, Inland Marine, Liability, Medical Payments, Professional Liab, Property, Real & Business Personal Prop, Theft, Tools & Equip, Trade Shows & Festivals Carrier Status Admitted States Most States

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Sports & Fitness Insurance Corporation (SFIC) Coverages Accident & Health, Accidental Death, Auto CommStandard, Auto Comm-Standard Liability, BOP, EPLI, Fine Arts, Fire Legal Liab, Flood, Glass, Pool & Spa Liab, Professional Liab, Property, Umbrella Carrier Status 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, Identity Theft, Liability, Nonowned & Hired Auto, Products Liab, Professional Liab, Property, Real & Business Personal Prop, StopGap, Theft, Umbrella Carrier Status Admitted States Most States

Dealers-Home Heating Oil Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States

Dealers-Propane AmWINS Group Inc. - 80 Offices Nationwide Coverages Auto Comm-Standard, Crime, Equipment Breakdown, GL, Inland Marine, Physical Damage, Property, Umbrella Carrier Status Admitted States Most States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States

Delivery- Wholesale/Retail 5Star Business Auto Program (Misc. classes) Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Medical Payments, Nonowned & Hired Auto, Uninsured Motorists Carrier Status Admitted States Most States Align General Insurance Agency LLC Coverages Auto Comm-Nonstandard, Auto Comm-Nonstandard Phys Dmg, Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Cargo Carrier Status Admitted States AZ, CA, NV Burns & Wilcox - All Offices Coverages Auto Comm-Nonstandard, CGL, Excess Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States Delta General Agency Corp.

Coverages GL, Property Carrier Status Admitted, Non-admitted States TX International Excess Companies Coverages Auto Comm-Nonstandard, Auto Comm-Nonstandard Phys Dmg, Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Business Income, Business Interruption, Cargo, CGL, Commercial Excess, Crime, Environmental Liab, EPLI, Equipment, Equipment Breakdown, Fire, Food Spoilage, GL, Inland Marine, Liability, Nonowned & Hired Auto, Occupational Accident, Pollution Liab, Property, Theft, Transportation Pollution Liab, Truck Auto Liab, Umbrella Carrier Status Admitted, Non-admitted States Most States Norman-Spencer Agency Inc. Coverages Auto Comm-Standard Liability, Excess Liab Carrier Status Non-admitted States All States Parcel Insurance Plan Coverages Cargo, Inland Marine Carrier Status Admitted States Most States Paul Hanson Partners Specialty Ins. Solutions Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Cargo, CGL, Property, Umbrella, Workers’ Comp Carrier Status Admitted States Most States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States

Dentists PBS Insurance Underwriting Corporation Coverages Medical Malpractice, Medical Professional Carrier Status Admitted, Non-admitted States Most States PULIC Program - TDC Specialty Insurance Company Coverages Liability, Medical Malpractice, Professional Liab Carrier Status Admitted, Non-admitted States Most States

Developmental Disability Facilities 5Star Paratransit Program Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, EPLI, Excess Liab, GL, Medical Payments, Physical Damage, Umbrella, Uninsured Motorists Carrier Status Admitted States Most States AFC Insurance Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, Boiler & Machinery, Business Interruption, CGL, COC, Community/Social Svcs, D&O, Developmental Disabilities, Employee Benefits, Inland Marine, Misc Professional Liab, Professional Liability, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States Alliance of Nonprofits for Ins. Risk Retention Group Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, Business Interruption, CGL, Community/Social Svcs, Developmental Disabilities, EPLI, Fiduciary Liab, Fire Legal Liab, Inland Marine, Liquor Liab, Mechanical Breakdown, Misc Professional Liab, Non-Profit D&O, Nonowned & Hired Auto, Sexual Misconduct Liab, Umbrella, Uninsured Motorists Carrier Status Admitted, Non-admitted States Most States Charity First Insurance Services Inc. Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, GL, Misc Professional Liab, Real & Business Personal Prop, Umbrella, Workers’ Comp Carrier Status Admitted States Most States Irwin Siegel Agency Inc. Coverages Abuse & Molestation, Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Crime, D&O, Developmental Disabilities, Disability, Environmental Liab, EPLI, Excess Liab, Fire Legal Liab, GL, Inland Marine, Medical & Physical Rehab, Medical Payments, Mental Health Care, Nonowned & Hired Auto, Pollution Liab, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States Markel Specialty Coverages Abuse & Molestation, Accident & Health, Auto Commer-Standard, Boiler & Machinery, Business Income, CGL, Crime, Employee Benefits, Fine Arts, Inland Marine, Liability, Nonowned & Hired Auto, Professional Liab, Property, Sexual Misconduct Liab, Umbrella Carrier Status Admitted States All States except HI Negley Associates Coverages CGL, Professional Liab Carrier Status Non-admitted States All States

NIF Group Inc.

Coverages Abuse & Molestation, Addiction Treatment, Auto Comm-Standard, Boiler & Machinery, Business Income, Business Interruption, Community/Social Svcs, D&O, Developmental Disabilities, E&O, EPLI, Fiduciary Liab, Fire Legal Liab, Inland Marine, Liability, Medical & Physical Rehab, Medical Malpractice, Medical Payments, Products Liab, Professional Liab, Umbrella Carrier Status Admitted States Most States Nonprofits Insurance Alliance of Calif.

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, Inland Marine, Liquor Liab, Mechanical Breakdown, Misc Professional Liab, Non-Profit D&O, Nonowned & Hired Auto, Sexual Misconduct Liab, Umbrella, Uninsured Motorists Carrier Status Non-admitted States CA 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, Identity Theft, Inland Marine, Nonowned & Hired Auto, Professional Liab, Property, Real & Business Personal Prop, Umbrella, Uninsured Motorists Carrier Status Admitted States All States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States RPS NIPC Coverages Auto Comm-Standard, CGL, Cyber Liab, Employee Benefits, EPLI, Excess Liab, Non-Profit D&O, Nonowned & Hired Auto, Professional Liab, Property, Sexual Misconduct Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States

December 7, 2015 INSURANCE JOURNAL-NATIONAL REGION | N59

2015 Annual Program Directory, Volume II Dialysis Centers

Dude Ranches

Quaker Special Risk (New Jersey) Coverages CGL, GL, Liability, Professional Liab, Umbrella Carrier Status Non-admitted States Most States

Philadelphia Insurance Companies Coverages Auto Comm-Standard, Auto Comm-Standard Liability & Phys Dmg, Boiler & Machinery, Business Income, Care/ Custody/Control, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Identity Theft, Legal Expense Ins, Nonowned & Hired Auto, Personal Property, Professional Liab, P&I, Umbrella, Uninsured Motorists Carrier Status Admitted States All States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States T.H.E. Insurance Company Coverages Auto Comm-Standard, CGL, Crime, Equipment Breakdown, Excess Liab, Inland Marine, Nonowned & Hired Auto, Property, Workers’ Comp Carrier Status Admitted States Most States

Distributors 5Star D&O Program Coverages D&O, EPLI, Fiduciary Liab Carrier Status Admitted States Most States AmWINS Group Inc. - 80 Offices Nationwide Coverages GL, Legal Liab, Motor Truck Cargo, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States Appleby & Sterling Coverages Business Income, CGL, Property Carrier Status Admitted States AZ, CA, NV Brownyard Group Coverages Business Income, Business Interruption, CGL, Employee Benefits, Fire, Fire Legal Liab, GL, Glass, Inland Marine, Liability, Nonowned & Hired Auto, Personal Property, Products Liab, Property, Workers’ Comp Carrier Status Admitted States Most States

Cosmetic Insurance Services, a div of Frenkel & Co. 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 Most States MexiPass International Insurance Services LLC Coverages Int’l Coverage - Commercial, Int’l Coverage - Personal Carrier Status Admitted States All States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States SURETY ONE Inc. Coverages Fidelity, Fidelity Bonds Carrier Status Admitted, Non-admitted States Most States Winery Pak Insurance Programs Coverages Auto Comm-Standard, Excess Liab, Liability, Liquor Liab, Property Carrier Status Admitted States Most States

Driving Ranges 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, Identity Theft, Legal Expense Ins, Nonowned & Hired Auto, Personal Property, Professional Liab, Protection & Indemnity (P&I), Umbrella, Uninsured Motorists Carrier Status Admitted States All States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States T.H.E. Insurance Company Coverages Auto Comm-Standard, CGL, Crime, Equipment Breakdown, Excess Liab, Inland Marine, Nonowned & Hired Auto, Property, Workers’ Comp Carrier Status Admitted States Most States

Drones/Unmanned Aerial Systems All Risks Ltd. Coverages Cyber Liab, Excess Liab, GL, Hull, Personal Accident, Warranties, Extended Carrier Status Non-admitted States Most States

Dry Cleaners/Laundries All Risks Ltd. Coverages GL, Nonowned & Hired Auto, Property Carrier Status Non-admitted States Most States Intercorp Inc. Coverages BOP, D&O, Environmental Liab, Pollution, Pollution Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States

E-cigarette Manufacturers / Distributors Professional Program Insurance Brokerage Coverages Abuse & Molestation, Blanket Addt’l Insureds, CGL, Commercial Excess, EPLI, GL, Liability, Products Liab, Property Carrier Status Non-admitted States Most States

Emergency Service Org’s Glatfelter Insurance Group Coverages Accident & Health, Auto Comm-Standard, Crime, Excess Liab, GL, Portable Equip, Property Carrier Status Admitted States All States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States VFIS Coverages Accident & Health, Auto Comm-Standard, Crime, E&O, Excess Liab, GL, Medical Malpractice, Portable Equip, Property Carrier Status Admitted States All States

Employee Leasing Firms NAS Insurance Services Coverages Billing Error E&O, Compliance Mgmt, Cyber Liab, E&O, EPLI, Legal Expense Ins, Legal Liab, Liability, Misc Professional Liab, Technology E&O Carrier Status Non-admitted States Most States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most 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, Liability, Media Liab, Nonowned & Hired Auto, Products Liab, Professional Liab, Property, Technology E&O, Umbrella, Workers’ Comp Carrier Status Admitted States All States World Wide Specialty Programs Inc. Coverages Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, Care/Custody/Control, Cyber Liab, E&O, Employee Benefits, EPLI, Fidelity, Fidelity Bonds, GL, Identity Theft, Misc Professional Liab, Nonowned & Hired Auto, Professional Liab, Property, Sexual Misconduct Liab, Technology E&O, Umbrella, Workers’ Comp Carrier Status Admitted States All States

Employment Agencies American Professional Liability Underwriters Inc. Coverages D&O, EPLI, Professional Liab Carrier Status Admitted, Non-admitted States AL, FL, GA, MI, MS, NC, NY, TX NAS Insurance Services Coverages Billing Error E&O, Compliance Mgmt, Cyber Liab, E&O, EPLI, Legal Expense Ins, Legal Liab, Liability, Misc Professional Liab, Mortgage Impairment, Professional Liab, Technology E&O Carrier Status Non-admitted States Most States

60 | INSURANCE JOURNAL-NATIONAL REGION December 7, 2015

NeitClem Wholesale Insurance Brokerage Inc. Coverages Blanket Wrongful Acts, Liability, Medical Malpractice, Professional Liab 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, Care/Custody/Control, CGL, Crime, D&O, Employee Benefits, EPLI, Fiduciary Liab, Fire Legal Liab, GL, Identity Theft, Legal Expense Ins, Nonowned & Hired Auto, Personal Property, Professional Liab, Protection & Indemnity (P&I), Umbrella, Uninsured Motorists 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, Liability, Media Liab, Nonowned & Hired Auto, Products Liab, Professional Liab, Property, Technology E&O, Umbrella, Workers’ Comp Carrier Status Admitted States All States SURETY ONE Inc. Coverages Fidelity, Fidelity Bonds Carrier Status Admitted, Non-admitted States Most States Target Professional Programs Coverages Auto Comm-Standard, Auto Comm-Standard Liability, BOP, Business Income, Business Interruption, Care/ Custody/Control, CGL, Commercial Excess, Crime, E&O, EPLI, Equipment Breakdown, Fidelity, Fire, Fire Legal Liab, GL, Legal Expense Ins, Legal Liab, Liability, Nonowned & Hired Auto, Personal Property, Professional Liab, Property, Real & Business Personal Prop, Theft Carrier Status Admitted States Most States World Wide Specialty Programs Inc. Coverages Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, Care/Custody/Control, Cyber Liab, E&O, Employee Benefits, EPLI, Fidelity, Fidelity Bonds, GL, Identity Theft, Misc Professional Liab, Nonowned & Hired Auto, Professional Liab, Property, Sexual Misconduct Liab, Technology E&O, Umbrella, Workers’ Comp Carrier Status Admitted States All States

Engineers-Environmental Access E&S Insurance Services (VA) Coverages Excess Liab, Liability, Pollution Liab, Professional Liab Carrier Status Non-admitted States AR, DE, GA, IL, MD, NC, NJ, NY, OH, PA, SC, TN, TX, VA, DC Beacon Hill Associates Inc. Coverages CGL, E&O, Pollution States Most States Commercial Sector Insurance Brokers LLC Coverages CGL, E&O, Excess Liab, Misc Professional Liab, Pollution, Pollution Liab, Professional Liab, Umbrella Carrier Status Non-admitted States Most States HCC Specialty Coverages E&O, Professional Liab Carrier Status Admitted, Non-admitted States All States

Intercorp Inc.

Coverages Environmental Liab, GL, Professional Liab Carrier Status Non-admitted States Most States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States Target Professional Programs Coverages E&O, EPLI, Professional Liab Carrier Status Admitted States Most States

Engineers-Geotechnical Freberg Environmental Inc. Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, E&O, Environmental Liab, EPLI, GL, Nonowned & Hired Auto, Pollution, Pollution Liab, Professional Liab, Transportation Pollution Liab Carrier Status Non-admitted States All States HCC Specialty Coverages E&O, Professional Liab Carrier Status Admitted, Non-admitted States All States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States

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2015 Annual Program Directory, Volume II Entertainer Buses 5Star Public Auto Program Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Cargo, EPLI, Excess Liab, GL, Nonowned & Hired Auto, Pollution Liab, Umbrella, Uninsured Motorists, Workers’ Comp Carrier Status Admitted States Most States National Indemnity Company Coverages Auto Comm-Nonstandard, Auto Comm-Nonstandard Phys Dmg, Liability, Medical Payments, Uninsured Motorists Carrier Status Admitted, Non-admitted States Most States National Interstate Insurance Company Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, GL Carrier Status Admitted States Most States

Prime Insurance Company

Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States Western Experts in Transportation Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg Carrier Status Admitted States Most States

Entertainment Equipment Rental Houses All Risks Ltd. Coverages Excess Liab, GL, Inland Marine, Liquor Liab, Medical Payments, Nonowned & Hired Auto, Physical Damage, Products Liab, Umbrella Carrier Status Non-admitted States Most States Gales Creek Insurance, A Div of JD Fulwiler & Co. Coverages Auto Comm-Standard, Business Income, Equipment, Inland Marine, Umbrella, Workers’ Comp Carrier Status Admitted States All States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States

Environmental Engineers/Consultants/ Contractors Access E&S Insurance Services (CA) Coverages CGL, Cyber Liab, EPLI, Pollution, Professional Liab Carrier Status Admitted, Non-admitted States AZ, CA, CO, ID, NV, OR, TX, WA Access E&S Insurance Services (VA) Coverages Excess Liab, Liability, Pollution Liab, Professional Liab Carrier Status Non-admitted States AR, DE, GA, IL, MD, NC, NJ, NY, OH, PA, SC, TN, TX, VA, DC AmWINS Group Inc. - 80 Offices Nationwide Coverages GL, Pollution Liab, Professional Liab Carrier Status Admitted, Non-admitted States Most States Beacon Hill Associates Inc. Coverages CGL, E&O, Pollution States Most States Berkley Specialty Underwriting Mgrs - Environmental Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Blanket Addt’l Insureds, Blanket Waivers, Environmental Liab, Excess Liab, GL, Pollution, Professional Liab, Railroad Protective Liab, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States Burns & Wilcox - All Offices Coverages CGL, Environmental Liab, Excess Liab, Inland Marine, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States Freberg Environmental Inc. Coverages Blanket Addt’l Insureds, CGL, Commercial Excess, E&O, EPLI, GL, Nonowned & Hired Auto, Pollution, Pollution Liab, Professional Liab, Transportation Pollution Liab, Umbrella Carrier Status Non-admitted States All States HCC Specialty Coverages E&O, Professional Liab Carrier Status Admitted, Non-admitted States All States Intercorp Inc. Coverages GL, Pollution Liab Carrier Status Non-admitted States Most States J.M. Wilson Coverages CGL, Pollution, Professional Liab Carrier Status Admitted, Non-admitted States AL, AR, GA, IA, IL, IN, KS, KY, MI, MO, NC, NE, OH, OK, PA, SC, TN, VA, WI, WV www.insurancejournal.com

Norman-Spencer International Inc. Coverages E&O, Professional Liab Carrier Status Admitted States Most States

Philadelphia Insurance Companies

Coverages Auto Comm-Standard, Auto Comm-Standard Liability & Phys Dmg, Business Income & Interruption, CGL, D&O, Equipment Breakdown, Fiduciary Liab, GL, Inland Marine, NonTrucking Auto Liab, Nonowned & Hired Auto, Professional Liab, Property, Umbrella Carrier Status Admitted States All States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States 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, Fidelity Bonds, GL, Inland Marine, Liability, Motor Truck Cargo, Nonowned & Hired Auto, Pollution, Pollution Liab, Products Liab, Professional Liability, Property, Real & Business Personal Property, Service Contracts, Truck Auto Liability, Umbrella, Workers’ Comp Carrier Status Non-admitted States IL, IN, OH Russell Bond & Co. Inc. Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, COC, Commercial Excess, Completed Operations Liab, E&O, Environmental Liab, EPLI, Excess Liab, Nonowned & Hired Auto, Pollution, Pollution Liab, Products Liab, Professional Liab, Transportation Pollution Liab Carrier Status Admitted, Non-admitted States Most States Scottish American Coverages CGL, Pollution Liab Carrier Status Non-admitted States CA Target Professional Programs Coverages E&O, EPLI, Professional Liab Carrier Status Admitted States Most States USG Insurance Services Inc. Coverages CGL, Pollution, Pollution Liab Carrier Status Admitted, Non-admitted States Most States USX/S Coverages CGL, Commercial Excess, Completed Operations Liab, Contractors Equip, Cyber Liab, E&O, Environmental Liab, GL, Identity Theft, Pollution Liab, Professional Liability Carrier Status Non-admitted States All States Worldwide Facilities LLC Coverages CGL, Commercial Excess, Contractors Equip, D&O, E&O, Environmental Liab, EPLI, Excess Liab, GL, Liability, New Occurrence, Pollution Liab, Products Liab, Professional Liability, Residential Property, Residential `wrap-up`, Umbrella Carrier Status Admitted, Non-admitted States All States

Equipment Dealers/Rentals Ascinsure Specialty Risk Coverages Auto Comm-Standard, Inland Marine, Liability, Property, Umbrella Carrier Status Admitted States Most States NBIS Coverages Auto Comm-Standard, Auto Comm-Standard Phys Dmg, CGL, Commercial Excess, Contractors Equip, Excess Liability, Inland Marine, Liability, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States Williams & Stazzone Insurance Agency Inc. Coverages EPLI, Equipment, Garage Keepers Legal Liab, Garage Liability, Inland Marine, Property, Umbrella States Most States

Exercise/Health Studios/Health Clubs HCC Specialty (MA) Coverages EPLI, Equipment Breakdown, GL, Property Carrier Status Non-admitted States Most States

K&K Insurance Group Inc.

Coverages CGL, Crime, Excess Liab, Inland Marine, Property Carrier Status Admitted States Most States M.J. Kelly Company Coverages Business Income, CGL, Commercial Excess, EPLI, GL, Liability, Professional Liab, Umbrella States AR, CO, FL, IA, ID, IL, KS, MO, MS, MT, NM, OK, TN, TX, UT

Markel Specialty Coverages Abuse & Molestation, CGL, Crime, Inland Marine, Property, Umbrella Carrier Status Non-admitted States Most States Monarch E&S Insurance Services Coverages CGL, Professional Liab, Property States CA 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, Identity Theft, Inland Marine, Liquor Liab, Non-Trucking Auto Liab, Nonowned & Hired Auto, Professional Liab, Property, Real & Business Personal Prop, Umbrella, Uninsured Motorists Carrier Status Admitted States All States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States RPS Bollinger Sports & Leisure Coverages Liability, Property Carrier Status Admitted States Most States Safehold Special Risk Coverages Business Income, Crime, Equipment Breakdown, Event Cancellation, Excess Liab, GL, Liability, Liquor Liab, Participant Accident, Property, Workers’ Comp Carrier Status Admitted States Most 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 Status Non-admitted States MA, NJ, NY Western Security Surplus Insurance Brokers Inc. Coverages Assault & Battery, Business Income, CGL, Fire, Fire Legal Liab, GL, Liability, Medical Payments, New Occurrence, Pool & Spa Liab, Professional Liab, Property, Tanning Liab, Umbrella Carrier Status Admitted, Non-admitted States CA, TX

Exporters Centurion Insurance Group Coverages Foreign GL, Int’l Coverage - Commercial, Political Risk Carrier Status Admitted States All States Meridian Finance Group Coverages Performance & Payment Bonds, Products Liab States Most States Parcel Insurance Plan Coverages Cargo, Inland Marine Carrier Status Admitted States Most States SURETY ONE Inc. Coverages Fidelity, Fidelity Bonds Carrier Status Admitted, Non-admitted States Most States

Family Fun Centers American Specialty Insurance & Risk Services Inc. Coverages Auto Comm-Standard, CGL, Crime, Employee Benefits, Excess Liab, Property Carrier Status Admitted States Most States Evolution Insurance Brokers Coverages Abuse & Molestation, D&O, Fire, Fire Legal Liab, Liability, Misc Professional Liab, Sexual Misconduct Liab, Theft, Tools & Equip Carrier Status Non-admitted States Most States HCC Specialty (MA) Coverages CGL, EPLI, Equipment Breakdown, Liquor Liab, Property Carrier Status Non-admitted States Most 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, Care/Custody/Control, Catastrophe, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Identity Theft, Legal Expense Ins, Nonowned & Hired Auto, Personal Property, Professional Liab, Protection & Indemnity (P&I), Umbrella, Uninsured Motorists Carrier Status Admitted States All States

December 7, 2015 INSURANCE JOURNAL-NATIONAL REGION | N61

2015 Annual Program Directory, Volume II Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States Program Risk Specialists Coverages Abuse & Molestation, GL Carrier Status Non-admitted States All States T.H.E. Insurance Company Coverages Auto Comm-Standard, CGL, Crime, Equipment Breakdown, Excess Liab, Inland Marine, Nonowned & Hired Auto, Property, Workers’ Comp Carrier Status Admitted States Most 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 AmWINS Group Inc. - 80 Offices Nationwide Coverages Pollution Liab, Property, Transportation Pollution Liab Carrier Status Admitted, Non-admitted States Most States Appleby & Sterling Coverages Liability, Property Carrier Status Admitted States AZ, CA

Mark D. Fredricksen Insurance Services

Coverages Auto Comm-Standard, Care/Custody/Control, CGL, Commercial Excess, Earthquake, Excess Liab, Horse Mortality, Property, Umbrella Carrier Status Admitted States Most States Markel Specialty Coverages Auto Comm-Standard, Care/Custody/Control, GL, Inland Marine, Property, Umbrella Carrier Status Admitted States Most States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property States Most States Professional Liability Ins Svcs - Underwriting Facilities Coverages Business Interruption, Food Borne Illness Carrier Status Non-admitted States Most States Sierra Specialty Coverages CGL, Combo Personal & Commercial, Dwelling Fire, Equipment, Inland Marine, Livestock/Animal Mortality, Property Carrier Status Admitted, Non-admitted States Most States South & Western General Agency Inc. Coverages Auto Comm-Standard, Fire, GL, Inland Marine, Umbrella Carrier Status Admitted States AR, MS, NM, OK, TN, TX Tejas American General Agency Coverages Auto Comm-Nonstandard, Auto Comm-Standard, Auto Pers-Nonstandard, Auto Pers-Standard, GL, Property Carrier Status Admitted, Non-admitted States TX Wildlife Insurance Underwriters LLC Coverages Accident & Health, Accidental Death, Addt’l Expense, Addt’l Living Expense, Auto Comm-Standard, Auto CommStandard Liability, Auto Pers-Nonstandard, Auto Pers-Standard, Boats, Builders Risk, Business Income, Business Interruption, Catastrophe, CGL, Commercial Marine, Control of Well, Crime, Disability, Dwelling Fire, Earthquake, EPLI, Equipment Breakdown, Flood, GL, Hail, Herbicide & Pesticide, Homeowners Pkg, Horse Mortality, Inland Marine, Installation Floaters, Liability, Livestock/Animal Mortality, Medical, Mobile Home Ins, Mortality, Motor Truck Cargo, OCP, On-Hook Cargo, Piers & Docks, Pollution, Property Carrier Status Admitted, Non-admitted States Most States Winery Pak Insurance Programs Coverages Combo Personal & Commercial, Herbicide & Pesticide, Liability, Pollution Liab, Property Carrier Status Admitted States Most States

Fast Food Restaurants Advanced E&S Group - Midwest Region Coverages Business Income, Business Interruption, CGL, Crime, Fire, Food Spoilage, GL, Glass, Liability, Personal Property, Property, Real & Business Personal Property, Theft Carrier Status Admitted, Non-admitted States IA, IL, IN, KS, KY, MI, MN, MO, NE, NJ, NY, OH, PA, VA, WI

All Risks Ltd. Coverages Nonowned & Hired Auto, Workers’ Comp Carrier Status Admitted States Most States Anderson & Murison Inc. Coverages Liability, Property Carrier Status Admitted, Non-admitted States CA Continental Brokers Inc. Coverages Accident & Health, Accidental Death, Boiler & Machinery, BOP, Builders Risk, Business Interruption, Crime, Disability, Earthquake, EPLI, Fire, Flood, Food Borne Illness, Food Spoilage, Homeowners Pkg, Medical, Nonowned & Hired Auto, Personal Property, Property, Sets, Spoilage, Theft, Umbrella Carrier Status Admitted States Most States Crusader Insurance Company Coverages GL, Liquor Liab, Property Carrier Status Admitted States CA Insurance Programs of America Inc. Coverages Excess Flood, Flood, Food Spoilage, Liability, Liquor Liab, Property, Windstorm Carrier Status Non-admitted States Most States National Insurance Underwriters Coverages BOP, Food Spoilage, Glass, Personal Property Carrier Status Non-admitted States Most States Professional Liability Ins Svcs - Underwriting Facilities Coverages Business Income, Business Interruption, Food Borne Illness Carrier Status Non-admitted States Most States UCA General Insurance Services Coverages Business Income, CGL, EPLI, Equipment Breakdown, Fire Legal Liab, Medical Payments, Nonowned & Hired Auto, Property, Umbrella Carrier Status Admitted States AZ, CA, ID, IL, NV, OR, UT, WA, WI Vilage & Company LLC Coverages CGL, Umbrella Carrier Status Admitted, Non-admitted States Most States

Feed Lots Mark D. Fredricksen Insurance Services Coverages Fire, Livestock/Animal Mortality Carrier Status Admitted States Most States Sierra Specialty Coverages CGL, Inland Marine, Pollution Liab, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States

Fertilizer Suppliers Sierra Specialty Coverages CGL, Inland Marine, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States

Festivals & Fairs All Risks Ltd. Coverages Excess Liab, GL, Inland Marine, Liquor Liab, Medical Payments, Nonowned & Hired Auto, Physical Damage, Products Liab, Umbrella Carrier Status Non-admitted States Most States American Specialty Insurance & Risk Services Inc. Coverages Auto Comm-Standard, CGL, Crime, Employee Benefits, Excess Liab, Property Carrier Status Admitted States Most States Gales Creek Insurance, A Div of JD Fulwiler & Co. Coverages Assault & Battery, Auto Comm-Standard, CGL, Crime, D&O, EPLI, Event Cancellation, Liquor Liab, Umbrella, Weather, Workers’ Comp Carrier Status Admitted, Non-admitted States All States HCC Specialty (MA) Coverages Event Cancellation, Hole-in-One, Liability, Liquor Liab, Prize Indemnification, Weather Carrier Status Admitted, Non-admitted States Most States Philadelphia Insurance Companies Coverages Abuse & Molestation, CGL, Property Carrier Status Admitted States All States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States T.H.E. Insurance Company Coverages Auto Comm-Standard, CGL, Crime, Equipment Breakdown, Excess Liab, Inland Marine, Nonowned & Hired Auto, Property, Workers’ Comp Carrier Status Admitted States Most States

62 | INSURANCE JOURNAL-NATIONAL REGION December 7, 2015

Financial Institutions All Risks Ltd. Coverages Collateral Protection, Flood, GL, Mortgage Impairment Carrier Status Admitted, Non-admitted States Most States Centurion Insurance Group Coverages D&O, E&O, EPLI, Fidelity, Fiduciary Liab, Force Place Fire Cvrg, Foreclosed Properties Carrier Status Admitted States All States Gerald J. Wilkoff Inc. Coverages Crime, Fidelity, Fidelity Bonds, Fiduciary Liab Carrier Status Admitted States Most States Innovative Risk Solutions Coverages Blanket Forced Placed, Collateral Protection, D&O, Force Place Fire Cvrg, Foreclosed Properties, Mortgage Impairment, Mortgage REO Coverage, Professional Liability Carrier Status Admitted, Non-admitted States Most States Johnson & Johnson Coverages Crime, Cyber Liab, E&O, EPLI, Fidelity Bonds, Kidnap/ Ransom, Professional Liab Carrier Status Non-admitted States Most States Meridian Finance Group Coverages Int’l Coverage - Commercial, Political Risk States Most States Proctor Financial Inc. 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 Coverage, Rented Property, Residential Property Carrier Status Non-admitted States All States ProSurance Group Inc. Coverages Crime, E&O, Excess Liab, Fidelity, Fidelity Bonds, Professional Liab Carrier Status Admitted, Non-admitted States Most States Russell Bond & Co. Inc. Coverages Blanket Forced Placed, CGL, COC, Cyber Liab, D&O, E&O, Environmental Liab, EPLI, Fidelity, Fidelity Bonds, Fiduciary Liab, Force Place Fire Cvrg, Foreclosed Properties, Identity Theft, Interim Car Liab/Phys Dmg, Kidnap/Ransom, Lessor Only Excess Liab, Lessors Contingent Liab, Lessors Contingent Phys Dmg, Misc Professional Liab, Mortgage Impairment, Mortgage REO Cvrg, Professional Liab, Reps & Warranties, Umbrella Carrier Status Admitted, Non-admitted States Most States SURETY ONE Inc. Coverages Fidelity, Fidelity Bonds, Lost Note Bonds Carrier Status Admitted, Non-admitted States Most States U.S. Risk Insurance Group Inc. Coverages Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Forced Placed, Blanket Waivers, Boiler & Machinery, Business Income, Business Interruption, CGL, Commercial Excess, Crime, Cyber Liab, D&O, DIC, E&O, EPLI, Equipment, Equipment Breakdown, Fidelity, Fidelity Bonds, Fiduciary Liab, Foreclosed Properties, GL, Glass, Kidnap/Ransom, Lessors Contingent Liab & Phys Dmg, Mechanical Breakdown, Nonowned & Hired Auto, Physical Damage, Professional Liability, Property, Technology E&O, Theft, Umbrella, Windstorm, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Financial Planners CalSurance Assoc, Div of Brown & Brown Program Ins. Coverages BOP, E&O, Professional Liability Carrier Status Non-admitted States Most States Markel Specialty Coverages E&O Carrier Status Non-admitted States All States ProSurance Group Inc. Coverages Crime, E&O, Fidelity, Fidelity Bonds, Insurance Broker Bonds, Professional Liab Carrier Status Admitted, Non-admitted States Most States

Fine Art Collections Ascinsure Specialty Risk Coverages Auto Comm-Standard, Inland Marine, Liability, Property, Umbrella States Most States Markel Specialty Coverages Auto Comm-Standard, Business Interruption, Crime, GL, Property, Umbrella Carrier Status Admitted States Most States

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2015 Annual Program Directory, Volume II MarketScout Coverages Earthquake, Fine Arts, Inland Marine, Mysterious Disappearance, Windstorm Carrier Status Admitted, Non-admitted States Most States MiniCo Insurance Agency LLC Coverages Fine Arts, Fire, Mysterious Disappearance, Personal Property, Physical Damage, Theft Carrier Status Admitted States Most States Monarch E&S Insurance Services Coverages Earthquake, Excess Flood, Fire, Inland Marine, Mysterious Disappearance, PAF Carrier Status Admitted States CA

Fire Departments Glatfelter Insurance Group Coverages Accident & Health, Auto Comm-Standard, Crime, Excess Liab, GL, Portable Equip, Property Carrier Status Admitted States All States VFIS Coverages Accident & Health, Auto Comm-Standard, Crime, E&O, Excess Liab, GL, Portable Equip, Property Carrier Status Admitted States All States

Firearms Dealers Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States SURETY ONE Inc. Coverages Fidelity, Fidelity Bonds Carrier Status Admitted, Non-admitted States Most States

Food Trucks Ascinsure Specialty Risk Coverages Auto Comm-Standard, Inland Marine, Liability, Property, Umbrella States Most States IPC Coverages Auto Comm-Standard, Auto Comm-Standard Phys Dmg, Blanket Addt’l Insureds, Business Income, CGL, Food Spoilage, Inland Marine, Liability, Property, Theft Carrier Status Admitted, Non-admitted States AZ, CA, ID, NV, OR, WA

Forestry Services Ascinsure Specialty Risk Coverages Auto Comm-Standard, Inland Marine, Liability, Property, Umbrella States Most States Safehold Special Risk Coverages Auto Comm-Standard Phys Dmg, Catastrophe, CGL, Damage in Process, Environmental Liab, Equipment, Equipment Breakdown, GL, Liability, Mechanical Breakdown, Nonowned & Hired Auto, Pollution, Pollution Liab, Portable Equip, Property, Tools & Equip, Transportation Pollution Liab, Truck Auto Liab, Umbrella, Workers’ Comp Carrier Status Admitted States Most States Victor O. Schinnerer & Co. Coverages Auto Comm-Standard, GL, Property Carrier Status Admitted States Most States

Nonprofits Insurance Alliance of Calif.

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, Inland Marine, Liquor Liab, Mechanical Breakdown, Misc Professional Liab, Non-Profit D&O, Nonowned & Hired Auto, Sexual Misconduct Liab, Umbrella, Uninsured Motorists Carrier Status Non-admitted States CA RPS NIPC Coverages Auto Comm-Standard, Employee Benefits, Excess Liab, GL, Professional Liab, Property, Sexual Misconduct Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States

Foundations Alliance of Nonprofits for Ins. Risk Retention Group Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, Business Income, Business Interruption, CGL, Community/Social Svcs, Crime, Developmental Disabilities, EPLI, Fiduciary Liab, Fire Legal Liab, Inland Marine, Liquor Liab, Mechanical Breakdown, Misc Professional Liab, Non-Profit D&O, Nonowned & Hired Auto, Sexual Misconduct Liab, Umbrella, Uninsured Motorists Carrier Status Admitted, Non-admitted States Most States Monitor Liability Managers Coverages D&O, EPLI, Fiduciary Liab, Non-Profit D&O Carrier Status Admitted, Non-admitted States Most States Nonprofits Insurance Alliance of Calif.

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, Inland Marine, Liquor Liab, Mechanical Breakdown, Misc Professional Liab, Non-Profit D&O, Nonowned & Hired Auto, Sexual Misconduct Liab, Umbrella, Uninsured Motorists Carrier Status Non-admitted States CA 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, Identity Theft, Inland Marine, Nonowned & Hired Auto, Physical Damage, Professional Liab, Property, Real & Business Personal Prop, Sexual Misconduct Liab, Umbrella, Uninsured Motorists Carrier Status Admitted States All States

Fraternal Organizations Gateway Specialty Insurance Coverages Abuse & Molestation, Crime, E&O, EPLI, GL, Liquor Liab, Non-Profit D&O, Property Carrier Status Non-admitted States Most States R.V. Nuccio & Associates Inc. Coverages Accidental Death, CGL, Crime, EPLI, Event Cancellation, Inland Marine, Medical Payments, Non-Profit D&O, Trade Shows & Festivals, Weather Carrier Status Admitted States Most States

Funeral Directors

Foster Care

5Star Business Auto Program (Misc. classes) Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg Carrier Status Admitted States Most States

Alliance of Nonprofits for Ins. Risk Retention Group Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, Business Income, Business Interruption, CGL, Community/Social Svcs, Crime, EPLI, Fiduciary Liab, Fire Legal Liab, Inland Marine, Liquor Liab, Mechanical Breakdown, Misc Professional Liab, Non-Profit D&O, Nonowned & Hired Auto, Sexual Misconduct Liab, Umbrella, Uninsured Motorists Carrier Status Admitted, Non-admitted States Most States Markel Specialty Coverages Abuse & Molestation, Accident & Health, Auto CommStandard, Business Income, Crime, E&O, EPLI, Fiduciary Liab, GL, Non-Profit D&O, Professional Liab, Property Carrier Status Admitted States Most States Negley Associates Coverages CGL, Professional Liab Carrier Status Non-admitted States All States

5Star Garage Services & Auto Dealers Program Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, CGL, EPLI, Fire Legal Liab, Garage Keepers Legal Liab, Garage Liability, Uninsured Motorists, Workers’ Comp Carrier Status Non-admitted States Most States All Risks Ltd. Coverages Crime, Garage Keepers Legal Liab, Garage Liability, Medical Payments, Physical Damage, Professional Liab, Property, Uninsured Motorists, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States Alliant Specialty Insurance Services Inc. Coverages Auto Comm-Standard, E&O, Garage Liability, GKLL, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States

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Garages

Burns & Wilcox - All Offices Coverages Auto Comm-Standard, Auto Comm-Standard Phys Dmg, Garage Keepers Legal Liab, Garage Liability, GKLL, Property Carrier Status Admitted, Non-admitted States Most States CRES Insurance Services Coverages Garage Liability, GKLL Carrier Status Admitted, Non-admitted States CA Crouse & Associates Coverages Garage Liability, GKLL Carrier Status Non-admitted States All States DMI Insurance Services Coverages Business Income, Completed Operations Liab, Crime, Employee Benefits, Equipment Breakdown, Fire, Fire Legal Liab, Garage Keepers Legal Liab, Garage Liability, Inland Marine, Nonowned & Hired Auto, Personal Property, Physical Damage, Products Liab, Property, Real & Business Personal Prop, Tools & Equip Carrier Status Admitted States Most States

Empire Underwriters LLC

Coverages Commercial Excess, Garage Keepers Legal Liab, GKLL, GL, Pollution Liab, Property, USL&H, Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted, Non-admitted States Most States Evolution Insurance Brokers Coverages Auto Comm-Nonstandard, Auto Comm-Nonstandard Phys Dmg, Bailee/Customer Goods, Blanket Wrongful Acts, Business Interruption, Care/Custody/Control, D&O, Fire, Fire Legal Liab, Garage Keepers Legal Liab, Garage Liability, Liability, Theft, Tools & Equip Carrier Status Non-admitted States Most States Lancer Insurance Company Coverages Garage Keepers Legal Liab, Garage Liability, GKLL Carrier Status Admitted, Non-admitted States NJ, 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 Most States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States RoamNet Insurance Marketing Programs Coverages BOP, EPLI, Fire Legal Liab, Garage Keepers Legal Liab, GL, Tools & Equip, Workers’ Comp Carrier Status Admitted States AZ, CA, CO, GA, IL, MA, ME, MI, NH, NJ, NV, NY, OR, PA, TX, UT, VA, WA RSI International (Missouri); dba Walter General Agency 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 Russell Bond & Co. Inc. Coverages Auto Comm-Nonstandard, Auto Comm-Nonstandard Phys Dmg, Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Business Income, Care/Custody/ Control, Cargo, Commercial Excess, Completed Operations Liab, Dealers Open Lot, Excess Liab, Fire Legal Liab, Garage Keepers Legal Liab, GKLL, GL, Inland Marine, Medical Payments, Physical Damage, Products Liab, Property, Theft, Truck Auto Liab, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States Scottish American Coverages Dealers Open Lot, Garage Keepers Legal Liab, Garage Liability Carrier Status Non-admitted States CA Sierra Specialty Coverages Dealers Open Lot, Garage Keepers Legal Liab, Garage Liability, GKLL, Nonowned & Hired Auto, Property Carrier Status Admitted, Non-admitted States Most States Sun Coast General Insurance Agency Coverages CGL, Dealers Open Lot, Garage Keepers Legal Liab, Garage Liability, GKLL, GL, Nonowned & Hired Auto, Property Carrier Status Admitted, Non-admitted States AZ, CA USG Insurance Services Inc. Coverages D&O, Dealers Open Lot, E&O, EPLI, Garage Keepers Legal Liab, Garage Liability, GKLL, Nonowned & Hired Auto, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States

December 7, 2015 INSURANCE JOURNAL-NATIONAL REGION | N63

2015 Annual Program Directory, Volume II Gentleman’s Clubs

Group Homes

AmWINS Group Inc. - 80 Offices Nationwide Coverages Excess Liab, GL, Liquor Liab, Nonowned & Hired Auto, Umbrella Carrier Status Admitted, Non-admitted States Most States Crusader Insurance Company Coverages GL, Liquor Liab, Property Carrier Status Admitted States CA Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States

AFC Insurance Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, Boiler & Machinery, Business Interruption, CGL, COC, Community/Social Svcs, D&O, Employee Benefits, Equipment Breakdown, Inland Marine, Mental Health Care, Professional Liability, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States All Risks Ltd. Coverages GL, Professional Liab, Workers’ Comp Carrier Status Admitted States Most States Alliance of Nonprofits for Ins. Risk Retention Group Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, Business Income, Business Interruption, CGL, Community/Social Svcs, Crime, Developmental Disabilities, EPLI, Fiduciary Liab, Fire Legal Liab, Inland Marine, Liquor Liab, Mechanical Breakdown, Misc Professional Liab, Non-Profit D&O, Nonowned & Hired Auto, Sexual Misconduct Liab, Umbrella, Uninsured Motorists Carrier Status Admitted, Non-admitted States Most States Burns & Wilcox - All Offices Coverages Auto Comm-Nonstandard, Business Income, Business Interruption, CGL, Excess Liab, Non-Profit D&O, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States Charity First Insurance Services Inc. Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, Business Income, CGL, Crime, EPLI, Equipment Breakdown, Inland Marine, Liquor Liab, Non-Profit D&O, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted States Most States Irwin Siegel Agency Inc. Coverages Abuse & Molestation, Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Crime, D&O, Developmental Disabilities, Excess Liab, GL, Inland Marine, Mental Health Care, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States Markel Specialty Coverages Abuse & Molestation, Accident & Health, Auto CommStandard, Business Income, CGL, Crime, Equipment Breakdown, GL, Inland Marine, Professional Liab, Property, Umbrella Carrier Status Admitted States Most States Negley Associates Coverages CGL, Professional Liab Carrier Status Non-admitted States All States

Golf Courses All Risks Ltd. Coverages GL, Inland Marine, Liquor Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States Most 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, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, Food Spoilage, GL, Identity Theft, Inland Marine, Liquor Liab, Nonowned & Hired Auto, Professional Liab, Property, Real & Business Personal Prop, Umbrella, Uninsured Motorists Carrier Status Admitted States All States PMC Insurance Group Coverages Workers’ Comp Carrier Status Admitted States Most States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States

Grain Mills & Elevators Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States Safehold Special Risk Coverages Catastrophe, CGL, Environmental Liab, Equipment, Equipment Breakdown, Inland Marine, Liability, Physical Damage, Pollution Liab, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted States Most States Wildlife Insurance Underwriters LLC Coverages Business Income, CGL, Environmental Liab, Equipment Breakdown, Fire Legal Liab, GL, Inland Marine, Installation Floaters, Liability, Long Haul, Mechanical Breakdown, Medical, Occupational Accident, OCP, On-Hook Cargo, Piers & Docks, Property, Railroad Protective Liability, Spoilage, Theft Carrier Status Admitted, Non-admitted States Most States

Grocery Stores/Supermarkets Advanced E&S Group - Midwest Region Coverages Business Income, Business Interruption, CGL, Fire, GL, Glass, Liability, Liquor Liab, Property, Real & Business Personal Prop, Spoilage, Theft Carrier Status Admitted, Non-admitted States IA, IL, IN, KS, KY, MI, MN, MO, NE, NJ, NY, OH, PA, VA, WI Crusader Insurance Company Coverages GL, Liquor Liab, Property Carrier Status Admitted States CA NeitClem Wholesale Insurance Brokerage Inc. Coverages GL, Property Carrier Status Admitted, Non-admitted States AR, AZ, NV, TX Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States UCA General Insurance Services Coverages Business Income, CGL, EPLI, Fire Legal Liab, Medical Payments, Property, Umbrella Carrier Status Admitted States AZ, CA, ID, IL, NV, OR, UT, WA, WI

NIF Group Inc.

Coverages Abuse & Molestation, Addiction Treatment, Auto Comm-Standard, Boiler & Machinery, Business Income, Business Interruption, Community/Social Svcs, D&O, Developmental Disabilities, Excess Liab, Inland Marine, Liability, Medical Payments, Mental Health Care, Misc Professional Liab, Nonowned & Hired Auto, Professional Liab, Property, Umbrella Carrier Status Admitted States Most States Nonprofits Insurance Alliance of Calif.

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, Inland Marine, Liquor Liab, Mechanical Breakdown, Misc Professional Liab, Non-Profit D&O, Nonowned & Hired Auto, Sexual Misconduct Liab, Umbrella, Uninsured Motorists Carrier Status Non-admitted States CA Philadelphia Insurance Companies Coverages Abuse & Molestation, Boiler & Machinery, Business Income, Care/Custody/Control, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Identity Theft, Legal Expense Ins, Nonowned & Hired Auto, Personal Property, Professional Liab, Protection & Indemnity (P&I), Umbrella Carrier Status Admitted States All States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States

Guides & Outfitters K&K Insurance Group Inc. Coverages CGL, Crime, Excess Liab, Inland Marine, Property Carrier Status Admitted States Most States

64 | INSURANCE JOURNAL-NATIONAL REGION December 7, 2015

Markel Specialty Coverages Auto Comm-Standard, Business Interruption, CGL, Excess Liab, Inland Marine, Mechanical Breakdown, Personal Property, Property, Umbrella 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, Business Interruption, CGL, Crime, Employee Benefits, Equipment Breakdown, Fire Legal Liab, GL, Identity Theft, Inland Marine, Nonowned & Hired Auto, Professional Liab, Property, Real & Business Personal Prop, Umbrella, Uninsured Motorists Carrier Status Admitted States All States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States T.H.E. Insurance Company Coverages Auto Comm-Standard, CGL, Crime, Equipment Breakdown, Excess Liab, Inland Marine, Nonowned & Hired Auto, Property, Workers’ Comp Carrier Status Admitted States Most States

Gymnastics Facilities American Specialty Insurance & Risk Services Inc. Coverages CGL, Inland Marine Carrier Status Admitted States All States Markel Specialty Coverages Accident & Health, Auto Comm-Standard, Business Income, Crime, Equipment Breakdown, GL, Inland Marine, Personal Property, Property, Umbrella Carrier Status 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, Identity Theft, Inland Marine, Liquor Liab, Nonowned & Hired Auto, Professional Liab, Property, Real & Business Personal Prop, Umbrella, Uninsured Motorists Carrier Status Admitted States All States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States

Hazardous Materials Transporters Access E&S Insurance Services (VA) Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Excess Liab, Liability, Pollution Liab, Professional Liab Carrier Status Non-admitted States AR, DE, GA, IL, MD, NC, NJ, NY, OH, PA, SC, TN, TX, VA, DC Beacon Hill Associates Inc. Coverages CGL, E&O, Pollution States Most States Berkley Specialty Underwriting Mgrs - Environmental Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Blanket Addt’l Insureds, Blanket Waivers, CGL, E&O, Employee Benefits, Environmental Liab, Pollution, Pollution Liab, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States Freberg Environmental Inc. Coverages Auto Comm-Nonstandard, Auto Comm-Nonstandard Phys Dmg, CGL, Environmental Liab, GL, Long Haul, Nonowned & Hired Auto, Physical Damage, Pollution, Pollution Liab, Transportation Pollution Liab, Uninsured Motorists Carrier Status Admitted States Most States Intercorp Inc. Coverages Auto Comm-Standard, Pollution Liability Carrier Status Admitted, Non-admitted States Most States J.M. Wilson Coverages Liability, Physical Damage Carrier Status Admitted, Non-admitted States AL, AR, FL, GA, IA, IL, IN, KS, KY, MI, MO, MS, NC, NE, OH, OK, PA, SC, TN, VA, WI, WV

Prime Insurance Company

Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States www.insurancejournal.com

2015 Annual Program Directory, Volume II 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 Most States

Health Clubs Anderson & Murison Inc. Coverages Abuse & Molestation, CGL, Professional Liab, Property Carrier Status Non-admitted States CA Burns & Wilcox - All Offices Coverages Abuse & Molestation, Business Income, CGL, Fire, GL, Professional Liab, Property, Tanning Liability, Umbrella Carrier Status Admitted, Non-admitted States Most States HCC Specialty (MA) Coverages CGL, Property Carrier Status Non-admitted States Most States

K&K Insurance Group Inc.

Coverages Business Income, Crime, GL, Inland Marine, Liquor Liab, Property, Tanning Liab, Workers’ Comp Carrier Status Admitted States Most States Markel Specialty Coverages Abuse & Molestation, CGL, Crime, Inland Marine, Property, Umbrella 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, GL, Identity Theft, Inland Marine, Liquor Liab, Non-Profit D&O, Nonowned & Hired Auto, Professional Liab, Property, Real & Business Personal Prop, Umbrella, Uninsured Motorists Carrier Status Admitted States All States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States RPS Bollinger Sports & Leisure Coverages Liability, Property Carrier Status Admitted States Most States Safehold Special Risk Coverages Business Income, Crime, Equipment Breakdown, Event Cancellation, Excess Liab, GL, Liability, Liquor Liab, Participant Accident, Property, Workers’ Comp Carrier Status Admitted States Most States

Sports & Fitness Insurance Corporation (SFIC)

Coverages Abuse & Molestation, Accident & Health, Accidental Death, Boiler & Machinery, BOP, Builders Risk, Business Income, Business Interruption, CGL, Combo Personal & Commercial, Commercial Marine, Crime, Earthquake, Employee Benefits, EPLI, Equipment Breakdown, Fire Legal Liab, Flood, GL, Glass, Inland Marine, Liability, Liquor Liab, Misc Professional Liab, Nonowned & Hired Auto, Performance & Payment Bonds, Products Liab, Professional Liab, Umbrella, Workers’ Comp Carrier Status Admitted States All States

Healthcare Facilities All Risks Ltd. Coverages Abuse & Molestation, GL, Nonowned & Hired Auto, Professional Liab, Workers’ Comp Carrier Status Non-admitted States Most States Allied Protector Plan Coverages GL, Medical Malpractice, Medical Professional Carrier Status Non-admitted States Most States American Underwriting Managers Coverages CGL, Professional Liab, Property, Umbrella Carrier Status Non-admitted States AR, LA, NM, TX Atlas General Insurance Services Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States Most States Monitor Liability Managers Coverages D&O, EPLI, Fiduciary Liab Carrier Status Admitted, Non-admitted States All States NAS Insurance Services Coverages Cyber Liab, EPLI, Fire Legal Liab, GL, Products Liab, Professional Liab, Sexual Misconduct Liability Carrier Status Non-admitted States Most States

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NeitClem Wholesale Insurance Brokerage Inc. Coverages Developmental Disabilities, Fire, Liability, Medical Malpractice, Professional Liab Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States RPS Healthcare Coverages D&O, EPLI, Excess Liab, GL, Medical Professional, Professional Liab, Property States Most States Russell Bond & Co. Inc. Coverages Auto Commercial-Standard, Liability, Medical, Medical Malpractice, Mental Health Care, Property Carrier Status Admitted, Non-admitted States Most States Smith, Bell & Thompson Inc. Coverages Auto Comm-Standard Liability, CGL, Crime, D&O, Fidelity Bonds, Inland Marine, Personal Liab, Professional Liab, Property, Umbrella Carrier Status Non-admitted States Most States Ultra Risk Advisors Coverages Excess Liab, Medical Malpractice, Professional Liab States All States

Heavy Equipment Dealers 5Star Business Auto Program (Misc. classes) Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Uninsured Motorists Carrier Status Admitted States Most States Ascinsure Specialty Risk Coverages Auto Comm-Standard, Inland Marine, Liability, Property, Umbrella States Most States NBIS Coverages Auto Comm-Standard, Auto Comm-Standard Phys Dmg, CGL, Commercial Excess, Contractors Equip, Excess Liability, Inland Marine, Liability, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property 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, Cyber Liab, D&O, Inland Marine, Medical Malpractice, Nonowned & Hired Auto, Professional Liab, Property, Umbrella Carrier Status Admitted States All States PMC Insurance Group Coverages Workers’ Comp Carrier Status Admitted States Most States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States Professional Program Insurance Brokerage Coverages Abuse & Molestation, BOP, GL, Liability, Personal Property, Professional Liab Carrier Status Non-admitted States Most States Quaker Special Risk (Florida) Coverages Abuse & Molestation, CGL, Professional Liab Carrier Status Non-admitted States Most States Quaker Special Risk (Mass.)

Coverages Abuse & Molestation, CGL, Professional Liab Carrier Status Non-admitted States Most States Quaker Special Risk (New Jersey) Coverages Abuse & Molestation, CGL, Professional Liab Carrier Status Non-admitted States Most States Quaker Special Risk (New York) Coverages Abuse & Molestation, CGL, Professional Liab Carrier Status Non-admitted States Most States Sapphire Blue Coverages CGL, Professional Liab Carrier Status Non-admitted States All States Smith, Bell & Thompson Inc. Coverages Auto Comm-Standard Liability, CGL, Crime, D&O, Fidelity Bonds, Inland Marine, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States SURETY ONE Inc. Coverages Fidelity, Fidelity Bonds Carrier Status Admitted, Non-admitted States Most States

Home Inspectors

Home Healthcare Providers Access E&S Insurance Services (CA) Coverages Abuse & Molestation, Cyber Liab, EPLI, GL, Nonowned & Hired Auto, Professional Liab, Property Carrier Status Admitted, Non-admitted States AZ, CA, CO, ID, NV, OR, TX, WA All Risks Ltd. Coverages GL, Professional Liab, Property, Workers’ Comp Carrier Status Admitted States Most States Allied Protector Plan Coverages Medical Malpractice, Medical Professional Carrier Status Non-admitted States Most States American Professional Liability Underwriters Inc. Coverages D&O, EPLI, GL, Professional Liab Carrier Status Nonadmitted States AL, FL, GA, MI, MS, NC, NY, TX Burns & Wilcox - All Offices Coverages Abuse & Molestation, Assault & Battery, Auto CommStandard, Blanket Addt’l Insureds, CGL, D&O, E&O, EPLI, GL, Liability, Medical, Medical Payments, Nonowned & Hired Auto, Property, Sexual Misconduct Liability, Theft, Umbrella Carrier Status Admitted, Non-admitted States Most States CRC Insurance Services - All Offices Coverages Excess Liab, GL, Professional Liab, Property, Umbrella Carrier Status Non-admitted States Most States Glatfelter Healthcare Practice Coverages Auto Comm-Standard, Crime, D&O, Excess Liab, GL, Professional Liab, Property Carrier Status Admitted States Most States Glatfelter Insurance Group Coverages Auto Comm-Standard, Crime, D&O, Excess Liab, GL, Professional Liab, Property Carrier Status Admitted States All States McClelland and Hine Inc. Coverages Liability, Professional Liab Carrier Status Non-admitted States TX

Delta General Agency Corp.

Coverages GL, Professional Liab, Property Carrier Status Non-admitted States TX Fox Point Programs Coverages E&O, GL, Professional Liab Carrier Status Non-admitted States Most States

Intercorp Inc.

Coverages Professional Liab Carrier Status Admitted, Non-admitted States Most States International Excess Program Managers Coverages GL, Inland Marine, Property Carrier Status Non-admitted States Most States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States Professional Ins. Concepts (fka Crump Prof. Concepts) Coverages E&O, EPLI, Professional Liab Carrier Status Admitted States Most States SURETY ONE Inc. Coverages Fidelity, Fidelity Bonds Carrier Status Admitted, Non-admitted States Most States Target Professional Programs Coverages E&O, GL, Professional Liab Carrier Status Admitted States Most States TitlePac Inc. Coverages E&O, Fidelity Bonds, Misc Professional Liab, Professional Liab Carrier Status Admitted, Non-admitted States Most States U.S. Risk Insurance Group Inc. Coverages GL, Professional Liab Carrier Status Non-admitted States All States

December 7, 2015 INSURANCE JOURNAL-NATIONAL REGION | N65

2015 Annual Program Directory, Volume II Home Medical Equipment Dealers International Excess Companies Coverages Bailee/Customer Goods, Builders Risk, Business Income, Business Interruption, Cargo, CGL, Commercial Excess, Completed Operations Liab, Crime, E&O, EPLI, Equipment Breakdown, Excess Liab, Fire, GL, Inland Marine, Liability, Misc Professional Liab, Nonowned & Hired Auto, Pollution Liab, Products Liab, Professional Liab, Property, Real & Business Personal Prop, Theft, Umbrella Carrier Status Admitted, Non-admitted States Most States JM Associates / Burnham + Company Coverages Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, Business Interruption, CGL, Employee Benefits, Equipment, Excess Liab, Garage Keepers Legal Liab, GL, Inland Marine, Installation Floaters, Liability, Property, Tools & Equip, Umbrella, Uninsured Motorists, Workers’ Comp Carrier Status 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, Cyber Liab, D&O, EPLI, Equipment Breakdown, Products Liab, Professional Liab, Property, Umbrella Carrier Status Admitted States All States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States Smith, Bell & Thompson Inc. Coverages Auto Comm-Standard, CGL, Crime, D&O, Fidelity Bonds, Inland Marine, Products Liab, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States

Homebuilders Empire Underwriters LLC

Coverages Builders Risk, Commercial Excess, GL, High Valued Homes, Pollution Liability, Property, Residential `wrap-up`, USL&H, Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted, Non-admitted States Most States Patriot National Underwriters Inc. Coverages Auto Comm-Standard, Builders Risk, CGL, Umbrella, Workers’ Comp Carrier Status Admitted States TX Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States Quaker Special Risk (New Jersey) Coverages Blanket Waivers, CGL, Liability Carrier Status Non-admitted States Most States 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, Windstorm Carrier Status Admitted States Most States

Homeowner Associations ACE Commercial Risk Services - Programs Coverages Auto Comm-Standard, Liability, Property Carrier Status Admitted States TX AmWINS Group Inc. - 80 Offices Nationwide Coverages GL, Pollution Liability, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States CIBA Insurance Services Coverages Apartment House Package, Boiler & Machinery, Builders Risk, Crime, D&O, Earthquake, GL, Lessor Only Excess Liab, Liability, Property, Residential Property Carrier Status Non-admitted States Most States CID Insurance Programs Inc. Coverages D&O, EPLI, Fidelity, GL, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States AZ, CA, CO, MD, NE, NM, NV, OR, TN, TX, UT, WA Community Association Insurance Solutions LLC Coverages Workers’ Comp Carrier Status Admitted States Most States Great American Ins. Group - Executive Liability Div. Coverages Community/Social Svcs, D&O, EPLI, Excess Liab, Fiduciary Liab Carrier Status Admitted States Most States

Kevin Davis Insurance Services Coverages Crime, D&O, E&O Carrier Status Admitted States Most States King Insurance Support Systems Coverages D&O, Liability, Property Carrier Status Admitted, Non-admitted States AZ, CA, CO, ID, NM, NV, OR, UT, WA

MexiPass International Insurance Services LLC

Coverages Int’l Coverage - Commercial, Int’l Coverage - Personal Carrier Status Admitted States All States New Empire Group Coverages Cyber Liab, D&O, Excess Liab, Umbrella Carrier Status Admitted States Most 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, Identity Theft, Inland Marine, Nonowned & Hired Auto, Professional Liab, Property, Real & Business Personal Prop, Umbrella, Uninsured Motorists Carrier Status Admitted States All States Preferred Property Programs Coverages Boiler & Machinery, Commercial Excess, Environmental Liab, Equipment Breakdown, Umbrella Carrier Status Admitted States Most States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States Professional Ins. Concepts (fka Crump Prof. Concepts) Coverages E&O, Professional Liab Carrier Status Admitted States Most States Specialty Programs & Facilities Managers (AmWINS) Coverages Liability, Property Carrier Status Admitted States AZ, CA, NV US Assure Coverages Builders Risk, Business Income, COC, Earthquake, Fire, Flood, Hail, High Valued Homes, Hurricane, Installation Floaters, Residential Property, Theft, Weather, Windstorm Carrier Status Admitted States Most States

Horse Breeders/Boarders Agricultural Insurance Mgmt Services Coverages Care/Custody/Control, GL, Horse Mortality, Personal Liab Carrier Status Admitted States Most States Equisure Inc. Coverages Care/Custody/Control, CGL, Professional Liab Carrier Status Non-admitted States Most States Markel Specialty 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 & Equip, Umbrella Carrier Status Admitted States Most States MarketScout Coverages Accident & Sickness, Horse Mortality, Inland Marine, Livestock/Animal Mortality, Medical, Mortality, Theft Carrier Status Admitted, Non-admitted States Most States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States

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 Markel Specialty 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 & Equip, Umbrella Carrier Status Admitted States Most States MarketScout Coverages Accident & Sickness, Horse Mortality, Inland Marine, Livestock/Animal Mortality, Medical, Mortality, Theft Carrier Status Admitted, Non-admitted States Most States

66 | INSURANCE JOURNAL-NATIONAL REGION December 7, 2015

Sierra Specialty Coverages CGL, Horse Mortality, Inland Marine, Livestock/ Animal Mortality, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States South & Western General Agency Inc. Coverages Dwelling Fire, Equipment, GL, Personal Property, Personal Umbrella, Property Carrier Status Admitted States AR, MS, OK, TN, TX Wildlife Insurance Underwriters LLC Coverages Horse Mortality, Livestock/Animal Mortality, Mortality, Property, Workers’ Comp Carrier Status Non-admitted States Most States

Hospice Care Facilities AFC Insurance Coverages Abuse & Molestation, Accident & Health, Auto Comm-Standard, Boiler & Machinery, Business Interruption, CGL, COC, D&O, Developmental Disabilities, Employee Benefits, Inland Marine, Mental Health Care, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States All Risks Ltd. Coverages Abuse & Molestation, GL, Nonowned & Hired Auto, Professional Liab, Workers’ Comp Carrier Status Non-admitted States Most States Allied Protector Plan Coverages GL, Medical Malpractice, Medical Professional Carrier Status Non-admitted States Most States Glatfelter Healthcare Practice Coverages Auto Comm-Standard, Crime, D&O, EPLI, Excess Liab, GL, Inland Marine, Professional Liab, Property Carrier Status Admitted States Most States Glatfelter Insurance Group Coverages Auto Comm-Standard, Crime, Excess Liab, GL, Inland Marine, Non-Profit D&O, Professional Liab, Property Carrier Status Admitted States All States Sapphire Blue Coverages CGL, Professional Liab Carrier Status Non-admitted States All States

Hospitals All Risks Ltd. Coverages Abuse & Molestation, GL, Nonowned & Hired Auto, Professional Liab, Workers’ Comp Carrier Status Non-admitted States Most States Centurion Insurance Group Coverages D&O, Medical Malpractice Carrier Status Admitted States All States Philadelphia Insurance Companies Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Boiler & Machinery, Earthquake, Equipment Breakdown, Fire Legal Liab, Flood, Identity Theft, Property, Real & Business Personal Prop Carrier Status Admitted States All States RPS Healthcare Coverages D&O, E&O, EPLI, Excess Liab, GL, Medical Professional Carrier Status Admitted, Non-admitted States Most States Sapphire Blue Coverages CGL, Professional Liab Carrier Status Non-admitted States All States Ultra Risk Advisors Coverages Excess Liab, Medical Malpractice, Professional Liab States All States

Hotels/Motels All Risks Ltd. Coverages Auto Commercial-Standard, Auto Commercial-Standard Liability, GL, Property, Umbrella, Workers’ Comp Carrier Status Non-admitted States Most States American Underwriting Managers Coverages Business Income, CGL, Property, Umbrella, Windstorm Carrier Status Non-admitted States AR, LA, NM, TX AmWINS Group Inc. - 80 Offices Nationwide Coverages Builders Risk, Business Income, Contractors Equip, Inland Marine Carrier Status Admitted, Non-admitted States Most States Appleby & Sterling Coverages Boiler & Machinery, GL, Property Carrier Status Admitted States AZ, CA, NV www.insurancejournal.com

2015 Annual Program Directory, Volume II Applied Underwriters Inc. Coverages EPLI, Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States Most States Bass Underwriters Coverages GL, Liability Carrier Status Non-admitted States AL, AR, AZ, CA, FL, GA, LA, MA, ME, MS, NJ, NV, NY, OH, OK, OR, PA, RI, SC, TN, TX, VA Burns & Wilcox - All Offices Coverages Auto Comm-Nonstandard, CGL, Excess Liab, Property Carrier Status Admitted, Non-admitted States Most States CITA Ins. Services, Div of Brown & Brown Program Ins. Coverages Auto Comm-Standard, CGL, Commercial Excess, Crime, Garage Keepers Legal Liab, Liquor Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States Commercial Sector Insurance Brokers LLC Coverages CGL, Commercial Excess, Earthquake, Excess Liab, Hurricane, Mechanical Breakdown, Property, Windstorm Carrier Status Non-admitted States Most States Compass Insurance Group of Agencies Coverages Business Income, CGL, Glass, Property Carrier Status Non-admitted States CA Delta General Agency Corp.

Coverages GL, Property Carrier Status Non-admitted States TX Hotels & Resorts Ins. Program - CITA Ins. Services Coverages Auto Comm-Standard, CGL, Crime, EPLI, Garage Keepers Legal Liab, Liquor Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States

Insurance Programs of America Inc.

Coverages Catastrophe, CGL, GL, Hail, Property, Weather, Windstorm, Workers’ Comp Carrier Status Non-admitted States Most States N-Surance Outlets Inc. (Florida) Coverages Assault & Battery, Business Income, Fire Legal Liab, Liability, Medical Payments, Property Carrier Status Non-admitted States AL, FL, GA, LA, TN Next Wave Insurance Services LLC Coverages Crime, GL, Property Carrier Status Admitted States Most States Preferred Concepts LLC Coverages Auto Comm-Standard, Boiler & Machinery, CGL, Crime, Garage Keepers Legal Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States Preferred Property Programs Coverages Boiler & Machinery, Equipment Breakdown Carrier Status Admitted States All States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States Professional Liability Ins Svcs - Underwriting Facilities Coverages Business Interruption, Food Borne Illness Carrier Status Non-admitted States Most States Roush Insurance Services Inc. Coverages Auto Comm-Nonstandard, Blanket Addt’l Insureds, Boiler & Machinery, Business Income, Business Interruption, CGL, Commercial Excess, Crime, D&O, Equipment Breakdown, Excess Liab, Fire, Fire Legal Liab, Food Spoilage, GL, Glass, Inland Marine, Liability, Liquor Liab, Nonowned & Hired Auto, Property, Real & Business Personal Prop, Theft, Trade Shows & Festivals, Umbrella Carrier Status Admitted, Non-admitted States IL, IN, OH The McGowan Companies Coverages Commercial Excess, Excess Liab, Umbrella Carrier Status Admitted States All States UCA General Insurance Services Coverages Business Income, CGL, Crime, EPLI, Equipment Breakdown, Liquor Liab, Medical Payments, Nonowned & Hired Auto, Property, Umbrella Carrier Status Admitted States AZ, CA, ID, IL, NV, OR, UT, WA, WI Unifax Insurance Systems Inc. Coverages GL, Property Carrier Status Admitted States CA Vilage & Company LLC Coverages CGL, Umbrella Carrier Status Admitted, Non-admitted States Most States Western Surplus Lines Agency Inc. Coverages CGL, Property Carrier Status Non-admitted States LA, ND, NM, OK, TX www.insurancejournal.com

Hourly Equipment Rental w/ Operator Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States

Ice Rink Owners & Operators All Risks Ltd. Coverages Abuse & Molestation, Equipment Breakdown, GL, Glass, Inland Marine, Liquor Liab, Pollution Liab, Property, Umbrella, Workers’ Comp 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, Identity Theft, Inland Marine, Nonowned & Hired Auto, Professional Liab, Property, Real & Business Personal Prop, Sexual Misconduct Liab, Umbrella, Uninsured Motorists Carrier Status Admitted States All States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States Safehold Special Risk Coverages Business Income, Crime, Equipment Breakdown, Event Cancellation, Excess Liab, GL, Liability, Liquor Liab, Participant Accident, Property, Workers’ Comp Carrier Status Admitted States Most States T.H.E. Insurance Company Coverages Auto Comm-Standard, CGL, Crime, Equipment Breakdown, Excess Liab, Inland Marine, Nonowned & Hired Auto, Property, Workers’ Comp Carrier Status Admitted States Most States

SURETY ONE Inc. Coverages Fidelity, Fidelity Bonds Carrier Status Admitted, Non-admitted States Most States

In-Home Child Care Markel Specialty Coverages Abuse & Molestation, CGL Carrier Status Admitted States Most States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States Topa Insurance Company Coverages GL, Professional Liab Carrier Status Admitted, Non-admitted States CA, CO, FL, GA, IL, OR, TN, TX, VA

Industrial Parks Appleby & Sterling Coverages Boiler & Machinery, GL, Property Carrier Status Admitted States AZ, CA, NV CIBA Insurance Services Coverages Boiler & Machinery, Builders Risk, Business Income, Crime, Earthquake, GL, Lessor Only Excess Liab, Liability, Property Carrier Status Non-admitted States Most States Construction Insurance Partners Coverages Excess Liab, GL, Professional Liab, Umbrella, Workers’ Comp States Most States MexiPass International Insurance Services LLC Coverages Int’l Coverage - Commercial, Int’l Coverage - Personal Carrier Status Admitted States All States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States

Innkeepers

Importers Brownyard Group Coverages Business Income, Business Interruption, CGL, Employee Benefits, Fire, Fire Legal Liab, GL, Glass, Inland Marine, Liability, Nonowned & Hired Auto, Personal Property, Products Liab, Property, Workers’ Comp Carrier Status Admitted States Most States

Cosmetic Insurance Services, a div of Frenkel & Co. 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 Most States Meridian Finance Group Coverages Performance & Payment Bonds, Political Risk States Most States NeitClem Wholesale Insurance Brokerage Inc. Coverages GL, Property Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX Scottish American Coverages Business Income, Cargo, CGL, Products Liab, Property Carrier Status Non-admitted States CA

In-Home Adult Foster Care Irwin Siegel Agency Inc. Coverages Abuse & Molestation, Accidental Death, Auto CommStandard, Boiler & Machinery, Business Income, Crime, Cyber Liab, D&O, Developmental Disabilities, Employee Benefits, Environmental Liab, EPLI, GL, Lost Key, Medical Payments, Mental Health Care, Pollution, Professional Liab, Property, Sexual Misconduct Liab, Umbrella Carrier Status Admitted States Most States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States

In-Home Businesses South & Western General Agency Inc. Coverages BOP, Business Interruption Carrier Status Admitted States AR, MS, NM, OK, TN, TX

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, Identity Theft, Legal Expense Ins, Nonowned & Hired Auto, Personal Property, Professional Liab, Protection & Indemnity (P&I), Umbrella, Uninsured Motorists Carrier Status Admitted States All States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States

Insurance Agents & Brokers (P/C L/H) All Risks Ltd. Coverages E&O, Professional Liab Carrier Status Admitted, Non-admitted States Most States American Professional Liability Underwriters Inc. Coverages D&O, EPLI, Professional Liab Carrier Status Admitted, Non-admitted States AL, FL, GA, MI, MS, NC, NY, TX Burns & Wilcox - All Offices Coverages Auto Comm-Nonstandard, CGL, Excess Liab, Property Carrier Status Admitted, Non-admitted States Most States CalSurance Assoc, Div of Brown & Brown Program Ins. Coverages BOP, E&O, Professional Liab Carrier Status Admitted, Non-admitted States Most States CITA Ins. Services, Div of Brown & Brown Program Ins. Coverages E&O, EPLI, Professional Liab Carrier Status Admitted States Most States Construction Insurance Partners Coverages Excess Liab, GL, Professional Liab, Umbrella, Workers’ Comp States Most States Hagerty Insurance Agency LLC Coverages Auto Comm-Nonstandard, Auto Comm-Nonstandard Phys Dmg, Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Auto Pers-Nonstandard, Auto Pers-Nonstandard Phys Dmg, Auto Pers-Standard, Auto PersStandard Phys Dmg States Most States

December 7, 2015 INSURANCE JOURNAL-NATIONAL REGION | N67

2015 Annual Program Directory, Volume II Intercorp Inc. Coverages Professional Liab Carrier Status Admitted, Non-admitted States Most States International Excess Companies Coverages Crime, E&O, EPLI, Professional Liab Carrier Status Non-admitted States All States King Insurance Support Systems Coverages E&O, Professional Liab Carrier Status Admitted, Non-admitted States Most States Lee & Mason Coverages Misc Professional Liab, Professional Liab Carrier Status Admitted, Non-admitted States Most States Number One Insurance Agency Coverages Excess Liab, Professional Liab, Umbrella Carrier Status Admitted, Non-admitted States MA Professional Ins. Concepts (fka Crump Prof. Concepts) Coverages E&O, EPLI, Professional Liab Carrier Status Admitted States Most States Professional Liability Ins Svcs - Underwriting Facilities Coverages E&O, EPLI, Professional Liab Carrier Status Non-admitted States Most States Professional Underwriters Agency Inc. Coverages Professional Liab Carrier Status Non-admitted States Most States ProSurance Group Inc. Coverages Crime, E&O, Excess Liab, Fidelity, Fidelity Bonds, Insurance Broker Bonds, Professional Liab Carrier Status Admitted, Non-admitted States Most States Quadrant Insurance Managers Coverages D&O, Professional Liab Carrier Status Non-admitted States All States Rockwood Programs Inc. Coverages Cyber Liab, E&O, EPLI, Identity Theft, Professional Liab Carrier Status Admitted, Non-admitted States Most States RPS - Executive Lines Division Coverages Crime, Cyber Liab, D&O, E&O, EPLI, Fidelity, Kidnap/ Ransom Carrier Status Admitted, Non-admitted States Most States Sun Coast General Insurance Agency Coverages BOP, Cyber Liab, E&O, Liability Carrier Status Non-admitted States AZ, CA, CO, NV, OR, UT, WA SWBC Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Auto Pers-Standard, D&O, E&O, Employee Benefits, Excess Flood, Flood, Force Place Fire Cvrg, Medical, Personal Liab, Professional Liab, Short & LongTerm Disability, Theft, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States Target Professional Programs Coverages E&O, Professional Liab Carrier Status Non-admitted States Most States

U.S. Brokers Network Inc.

Coverages Cyber Liab, E&O, Professional Liab Carrier Status Admitted, Non-admitted States Most States

US E&O Brokers

Coverages Crime, Cyber Liab, D&O, E&O, Professional Liab, Technology E&O States Most States Vilage & Company LLC Coverages E&O, Excess Liab Carrier Status Admitted States Most States Western E&O Coverages Crime, D&O, E&O, Employee Benefits, EPLI, Excess Liab, Fiduciary Liab Carrier Status Admitted, Non-admitted States AZ, CA, CO, IA, IL, IN, KS, MI, ND, NM, OK, OR, TX, UT, WA, WI

Internet Companies Centurion Insurance Group Coverages D&O, E&O Carrier Status Admitted States All States IT Risk Managers Inc. Coverages BOP, Cyber Liab, D&O, E&O, Misc Professional Liab, Professional Liab, Technology E&O Carrier Status Admitted, Non-admitted States Most States JLT Facilities Inc. Coverages Cyber Liab, E&O, GL, Liability, Misc Professional Liab, Professional Liab, Technology E&O Carrier Status Admitted States Most States

Professional Ins. Concepts (fka Crump Prof. Concepts) Coverages E&O, Professional Liab Carrier Status Admitted States Most 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, Liability, Media Liab, Nonowned & Hired Auto, Products Liab, Professional Liab, Property, Technology E&O, Umbrella, Workers’ Comp Carrier Status Admitted States All States

Investigators All Risks Ltd. Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Crime, GL, Professional Liab, Umbrella, Workers’ Comp Carrier Status Non-admitted States Most States AMIS/Alliance Marketing & Insurance Services Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, E&O, Liability, Property, Workers’ Comp Carrier Status Non-admitted States Most States Brownyard Group Coverages Assault & Battery, Blanket Addt’l Insureds, Care/ Custody/Control, CGL, Commercial Excess, E&O, GL, Inland Marine, Liability, Lost Key, Medical Payments, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States Brownyard Programs Ltd. Coverages Blanket Additional Insureds, CGL, E&O, Excess Liability, Fidelity Bonds, Umbrella, Workers’ Comp Carrier Status Non-admitted States Most States Costanza Insurance Agency Inc. Coverages GL, Professional Liab, Workers’ Comp States All States Fox Point Programs Coverages E&O, Professional Liab Carrier Status Non-admitted States Most States Izzo Insurance Services Inc. Coverages Auto Comm-Standard, Blanket Addt’l Insureds, BOP, Crime, E&O, EPLI, Excess Liab, Fidelity Bonds, GL, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States

The Mechanic Group Inc.

Coverages CGL, Commercial Excess, Contractors License Bonds, D&O, E&O, EPLI, Liability, Umbrella, Workers’ Comp Carrier Status Non-admitted States Most States

Investment Advisory Reps CalSurance Assoc, Div of Brown & Brown Program Ins. Coverages BOP, E&O, Professional Liability Carrier Status Non-admitted States Most States ProSurance Group Inc. Coverages Crime, E&O, Fidelity, Fidelity Bonds, Professional Liab Carrier Status Admitted, Non-admitted States Most States

Janitorial Firms Anderson & Murison Inc. Coverages Care/Custody/Control, CGL, Lost Key Carrier Status Non-admitted States CA Atlas General Insurance Services Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States Most States Brecht & Associates Coverages Auto Comm-Standard, BOP, Excess Liab, GL, Property Carrier Status Non-admitted States TX Burns & Wilcox - All Offices Coverages CGL, Excess Liab, Inland Marine, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States Indemnity Excess & Surplus Agency Inc. Coverages Contractors Equip, GL, Lost Key Carrier Status Nonadmitted States AZ, CA, CO, FL, HI, ID, NV, OR, TX, WA M.J. Hall & Company Inc. Coverages CGL, Excess Liab Carrier Status Admitted, Non-admitted States AK, AZ, CA, HI, NV

68 | INSURANCE JOURNAL-NATIONAL REGION December 7, 2015

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 SURETY ONE Inc. Coverages Fidelity, Fidelity Bonds Carrier Status Admitted, Non-admitted States Most States TAPCO Underwriters Inc. Coverages GL, Professional Liab, Property Carrier Status Non-admitted States Most States

Jr. Markets/Liquor Stores Crusader Insurance Company Coverages GL, Liquor Liab, Property Carrier Status Admitted States CA Unifax Insurance Systems Inc. Coverages GL, Liquor Liab, Property Carrier Status Admitted States CA

Laboratories - Testing Allied Protector Plan Coverages GL, Medical Malpractice, Medical Professional Carrier Status Non-admitted States Most States Freberg Environmental Inc. Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, E&O, Environmental Liab, GL, Nonowned & Hired Auto, Pollution, Pollution Liab, Professional Liab, Transportation Pollution Liab Carrier Status Non-admitted States All States HCC Specialty Coverages E&O, Professional Liab Carrier Status Admitted, Non-admitted States All States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States Professional Program Insurance Brokerage Coverages Abuse & Molestation, BOP, GL, Liability, Products Liab, Professional Liab, Property Carrier Status Non-admitted States Most States

Land Surveyors HCC Specialty Coverages E&O, Professional Liab Carrier Status Admitted, Non-admitted States All States Target Professional Programs Coverages E&O, Professional Liab Carrier Status Admitted States Most States

Landfills/Recycling/Disposal Facilities Berkley Specialty Underwriting Mgrs - Environmental Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Blanket Addt’l Insureds, Blanket Waivers, CGL, Commercial Excess, E&O, Employee Benefits, Environmental Liab, GL, Int’l Coverage - Commercial, Pollution, Pollution Liab, Professional Liability, Umbrella, Uninsured Motorists, Uninsured Personal Injury, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States

Landscape Contractors Applied Underwriters Inc. Coverages EPLI, Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States Most States Brecht & Associates Coverages Auto Comm-Standard, BOP, Excess Liab, GL, Property Carrier Status Non-admitted States TX Construction Insurance Solutions Coverages Auto Comm-Standard, Commercial Excess, Contractors Equip, GL, Real & Business Personal Prop, Workers’ Comp Carrier Status Non-admitted States All States Oryx Insurance Brokerage Inc. Coverages Auto Comm-Standard, GL, Umbrella, Workers’ Comp Carrier Status Admitted States CT, DE, MD, NJ, NY, PA, VT

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2015 Annual Program Directory, Volume II Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States Professional Ins. Concepts (fka Crump Prof. Concepts) Coverages E&O, Professional Liab Carrier Status Admitted States Most States

Landscape Gardeners Anderson & Murison Inc. Coverages CGL, Herbicide & Pesticide, Inland Marine Carrier Status Non-admitted States CA Applied Underwriters Inc. Coverages EPLI, Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States Most States Burns & Wilcox - All Offices Coverages Auto Comm-Nonstandard, CGL, Excess Liab, Property Carrier Status Admitted, Non-admitted States Most States Delta General Agency Corp.

Coverages GL, Property Carrier Status Non-admitted States TX Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States Scottish American Coverages CGL, Contractors Equip Carrier Status Non-admitted States CA 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 Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States Professional Program Insurance Brokerage Coverages Abuse & Molestation, BOP, Liability, Professional Liab, Property Carrier Status Non-admitted States Most States

Laundries/Coin Laundry Advanced E&S Group - Midwest Region Coverages Business Income, Business Interruption, CGL, Crime, Fire, GL, Liability, Personal Property, Property, Real & Business Personal Prop, Theft Carrier Status Admitted, Non-admitted States IA, IL, IN, KS, KY, MI, MN, MO, NE, NJ, NY, OH, PA, VA, WI All Risks Ltd. Coverages GL, Nonowned & Hired Auto, Property Carrier Status Non-admitted States Most States Bass Underwriters Coverages Assault & Battery, Bailee/Customer Goods, Business Income, Fire, GL, Nonowned & Hired Auto, Property, Windstorm Carrier Status Non-admitted States Most States Unifax Insurance Systems Inc. Coverages GL, Property Carrier Status Admitted States CA

Law Firms 5Star D&O Program Coverages D&O, E&O, Fiduciary Liab Carrier Status Admitted States Most States Agency Marketing Services Coverages E&O, Professional Liab Carrier Status Admitted States AL, CA, CO, CT, DE, FL, GA, KS, KY, LA, MD, MI, MO, NC, NJ, OH, PA, SC, TN, TX, VA American Professional Liability Underwriters Inc. Coverages D&O, EPLI, Professional Liab Carrier Status Admitted, Non-admitted States AL, FL, GA, MI, MS, NC, NY, TX Continental Brokers Inc. Coverages BOP, Business Income, Business Interruption, Earthquake, EPLI, Flood, Homeowners Pkg, Legal Expense Ins, Legal Malpractice, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States www.insurancejournal.com

Gerald J. Wilkoff Inc. Coverages Crime, Fidelity, Fidelity Bonds, Fiduciary Liab Carrier Status Admitted States Most States Gray-Stone & Company Inc. Coverages Crime, D&O, E&O, Fiduciary Liab, GL, Kidnap/ Ransom, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States JLT Facilities Inc. Coverages Cyber Liability, E&O, Professional Liability Carrier Status Admitted, Non-admitted States Most States Lawyer’s Protector PlanÆ Coverages E&O, Legal Liab, Legal Malpractice, Professional Liab Carrier Status Admitted States Most States Mercer Consumer, a svc of Mercer Health & Benefits Coverages Cyber Liab, Professional Liab Carrier Status Admitted, Non-admitted States Most States Professional Ins. Concepts (fka Crump Prof. Concepts) Coverages E&O, EPLI, Professional Liab Carrier Status Admitted States Most States RPS - Executive Lines Division Coverages Crime, Cyber Liab, D&O, E&O, EPLI, Fidelity, Kidnap/ Ransom Carrier Status Admitted, Non-admitted States Most States SURETY ONE Inc. Coverages Fidelity, Fidelity Bonds Carrier Status Admitted, Non-admitted States Most States Target Professional Programs Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Business Income, Business Interruption, Care/Custody/Control, CGL, Commercial Excess, Crime, E&O, Employee Benefits, Equipment Breakdown, Excess Liab, Fire, Fire Legal Liab, GL, Legal Expense Ins, Legal Liab, Legal Malpractice, Liability, Nonowned & Hired Auto, Personal Property, Professional Liab, Property, Real & Business Personal Prop, Theft, Umbrella, Workers’ Comp Carrier Status Admitted States Most States U.S. Risk Insurance Group Inc. Coverages Crime, Professional Liab Carrier Status Admitted States AZ, NM, OK, TX Willis Programs Coverages Professional Liab Carrier Status Admitted, Non-admitted States Most States

Limousine Service Companies 5Star Public Auto Program Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, EPLI, Excess Liab, GL, Nonowned & Hired Auto, Physical Damage, Pollution Liab, Umbrella, Uninsured Motorists Carrier Status Admitted States Most States AmWINS Group Inc. - 80 Offices Nationwide Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Excess Liab, GL Carrier Status Admitted, Non-admitted States Most States AmWINS Transportation Underwriters Inc. Coverages Auto Comm-Standard Liability, Personal Liab Carrier Status Admitted, Non-admitted States FL, GA, IA, IL, MN, MT, NC, VA, WI Burns & Wilcox - All Offices Coverages Auto Comm-Nonstandard, CGL, Excess Liab, Property Carrier Status Admitted, Non-admitted States Most States National Indemnity Company Coverages Auto Comm-Nonstandard, Auto Comm-Nonstandard Phys Dmg, Liability, Medical Payments, Uninsured Motorists Carrier Status Admitted, Non-admitted States Most States National Interstate Insurance Company Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, GL Carrier Status Admitted States Most States

Philadelphia Insurance Companies

Coverages Auto Comm-Standard Phys Dmg, GL Carrier Status Admitted States All States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States Western Experts in Transportation Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg Carrier Status Admitted States Most States

Willis Programs Coverages Auto Comm-Standard, Garage Keepers Legal Liab, GL, Property, Umbrella Carrier Status Admitted States Most States

Liquor Stores Advanced E&S Group - Midwest Region Coverages Business Income, Business Interruption, CGL, Fire, GL, Glass, Liability, Liquor Liab, Property, Real & Business Personal Prop, Theft Carrier Status Admitted, Non-admitted States IA, IL, IN, KS, KY, MI, MN, MO, NE, NJ, NY, OH, PA, VA, WI Compass Insurance Group of Agencies 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 Carrier Status Admitted States MA Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States RoamNet Insurance Marketing Programs Coverages BOP, EPLI, Fire Legal Liab, GL, Workers’ Comp Carrier Status Admitted States AZ, CA, CO, NM, NV, OR, TX, UT, WA

Long Term Care Facilities 5Star Paratransit Program Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, EPLI, Excess Liab, Umbrella, Uninsured Motorists Carrier Status Admitted States Most States AmWINS Group Inc. - 80 Offices Nationwide Coverages Abuse & Molestation, Liability, Umbrella Carrier Status Admitted, Non-admitted States Most States AmWINS Program Underwriters Coverages Abuse & Molestation, GL, Professional Liab, Umbrella Carrier Status Non-admitted States Most States CRES Insurance Services Coverages Abuse & Molestation, GL, Professional Liab Carrier Status Non-admitted States Most States

Prime Insurance Company

Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States RPS Healthcare Coverages D&O, EPLI, Excess Liab, GL, Medical Professional, Professional Liab, Property States Most States U.S. Risk Insurance Group Inc. Coverages GL, Professional Liab Carrier Status Non-admitted States All States

Lumber Mills/Saw/Plywood Ascinsure Specialty Risk Coverages Auto Comm-Standard, Inland Marine, Liability, Property, Umbrella States Most States Continental Underwriters Inc. Coverages Auto Comm-Nonstandard, Auto Comm-Standard, 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 Most States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States Safehold Special Risk Coverages Auto Comm-Nonstandard, BOP, Catastrophe, CGL, Environmental Liab, Equipment, Equipment Breakdown, GL, Inland Marine, Material Damage, Motor Truck Cargo, Nonowned & Hired Auto, Pollution, Pollution Liab, Property, Tools & Equip, Truck Auto Liab, Umbrella, Workers’ Comp Carrier Status Admitted States All States

December 7, 2015 INSURANCE JOURNAL-NATIONAL REGION | N69

2015 Annual Program Directory, Volume II Woodus K. Humphrey & Co. (AmWINS) Coverages Boiler & Machinery, Business Interruption, Equipment Breakdown, Inland Marine, Property Carrier Status Admitted States All States

Machine Shops Atlas General Insurance Services Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States Most States Continental Brokers Inc. Coverages Auto Comm-Standard Liability, Boiler & Machinery, BOP, CGL, Commercial Marine, Crime, EPLI, Flood, Medical, Nonowned & Hired Auto, Products Liab, Property, Umbrella Carrier Status Admitted States Most States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States Quirk & Company Coverages CGL, Equipment, Excess Flood, Flood, Property Carrier Status Admitted, Non-admitted States LA, OK, OR, TX, WA Smith, Bell & Thompson Inc. Coverages Auto Comm-Standard, Crime, Equipment Breakdown, GL, Inland Marine, Property, Stop-Gap, Umbrella Carrier Status Admitted States Most States Western Security Surplus Insurance Brokers Inc. Coverages Bailee/Customer Goods, Business Income, CGL, Liability, Medical Payments, New Occurrence, Products Liab, Property Carrier Status Non-admitted States CA, TX Western Surplus Lines Agency Inc. Coverages Bailee/Customer Goods, Blanket Addt’l Insureds, Blanket Waivers, CGL, Commercial Excess, Completed Operations Liab, Contractors Equip, Medical Payments, Misc Professional Liab, Nonowned & Hired Auto, Products Liab Carrier Status Non-admitted States LA, ND, NM, OK, TX

Managed Care Centers 5Star Paratransit Program Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, EPLI, Excess Liab, GL, Medical Payments, Physical Damage, Umbrella, Uninsured Motorists Carrier Status Admitted States Most States Evolution Insurance Brokers Coverages Abuse & Molestation, Business Interruption, D&O, Fire, Fire Legal Liab, Liability, Misc Professional Liab, Theft, Tools & Equip Carrier Status Non-admitted States Most States NAS Insurance Services Coverages Cyber Liab, D&O, E&O, EPLI, Managed Care Carrier Status Admitted, Non-admitted States Most States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States Professional Ins. Concepts (fka Crump Prof. Concepts) Coverages E&O, Professional Liab Carrier Status Admitted States Most States

Swett & Crawford

Coverages D&O, E&O, EPLI, Excess Liab, Professional Liab Carrier Status Admitted States Most States Ultra Risk Advisors Coverages Excess Liab, Medical Malpractice, Professional Liab States All States USX/S Coverages Breach of Security, Cyber Liab, D&O, E&O, EPLI, Excess Liab, Food Borne Illness, Identity Theft, Managed Care Carrier Status Admitted, Non-admitted States All States

Manufacturers 5Star Business Auto Program (Misc. classes) Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg Carrier Status Admitted States Most States 5Star D&O Program Coverages D&O, EPLI, Fiduciary Liab Carrier Status Admitted States Most States

Alliant Specialty Insurance Services Inc. Coverages Auto Comm-Standard, GKLL, GL, Inland Marine, Products Liab, Property, Workers’ Comp Carrier Status Admitted States Most States American Underwriting Managers Coverages CGL, Products Liab, Umbrella Carrier Status Non-admitted States AR, LA, NM, TX Atlas General Insurance Services Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States Most States Berkley Specialty Underwriting Mgrs - Environmental Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, E&O, Employee Benefits, Environmental Liab, Pollution, Pollution Liab, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States Burns & Wilcox - All Offices Coverages CGL, Excess Liab, Inland Marine, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States Commercial Sector Insurance Brokers LLC Coverages CGL, Excess Liab, Products Liab, Property, Umbrella Carrier Status Non-admitted States Most States Financial Risk Solutions Inc. Coverages Boiler & Machinery, Equipment Breakdown, Product Extended Warranty, Service Contracts, Warranties, Extended Carrier Status Admitted States All States Great American Ins. Group - Executive Liability Div. Coverages Community/Social Svcs, D&O, EPLI, Excess Liab, Fiduciary Liab Carrier Status Admitted States Most States J.M. Wilson Coverages CGL, Products Liab, Property Carrier Status Admitted, Non-admitted States AL, AR, GA, IA, IL, IN, KS, KY, MI, MO, NC, NE, OH, OK, PA, SC, TN, VA, WI, WV Lancer Indemnity Company Coverages Flood, GL, Property Carrier Status Admitted States NJ, NY, PA MacAfee & Edwards Inc. - Mexican Ins. Specialist Coverages Int’l Coverage - Commercial, Int’l Coverage - Personal Carrier Status Non-admitted States Most States MarketScout Coverages Liability, Products Liab Carrier Status Non-admitted States All States

MexiPass International Insurance Services LLC

Coverages Int’l Coverage - Commercial, Int’l Coverage - Personal 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 Status Admitted, Non-admitted States AZ, CA, NV, TX Norman-Spencer International Inc. Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Auto Pers-Nonstandard, Boiler & Machinery, Business Income, Business Interruption, CGL, Commercial Excess Carrier Status Admitted States Most States Parcel Insurance Plan Coverages Cargo, Inland Marine Carrier Status Admitted States Most States Personal Safeguards Group LLC Coverages Product Extended Warranty, Service Contracts, Warranties, Extended Carrier Status Admitted States Most States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States Professional Liability Ins Svcs - Underwriting Facilities Coverages Business Income, Business Interruption, Food Borne Illness Carrier Status Non-admitted States Most States Professional Program Insurance Brokerage Coverages Abuse & Molestation, Blanket Addt’l Insureds, CGL, Commercial Excess, EPLI, GL, Liability, Products Liab, Property Carrier Status Non-admitted States Most 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

70 | INSURANCE JOURNAL-NATIONAL REGION December 7, 2015

RSI International (Missouri); dba Walter General Agency Coverages Boiler & Machinery, Builders Risk, Business Income, Business Interruption, Cargo, CGL, Commercial Excess, Completed Operations Liab, Excess Liab, Liability, Medical Payments, Motor Truck Cargo, Nonowned & Hired Auto, 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

South Texas General Insurance Agency Coverages CGL, Property Carrier Status Non-admitted States TX Southwest Risk Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Property, Umbrella Carrier Status Non-admitted States All States USX/S Coverages CGL, Cyber Liab, Int’l Coverage - Commercial, Pollution, Products Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States

Marina Operators Atlass Insurance Group Coverages Boats, Business Interruption, CGL, Equipment, Excess Liab, Liability, Piers & Docks, Property Carrier Status Admitted, Non-admitted States Most States Burnett & Company, Inc. Coverages Care/Custody/Control, GL, Liquor Liab, Pollution, Ship Repairers Legal Carrier Status Non-admitted States All States Evolution Insurance Brokers Coverages Bailee/Customer Goods, Boats, Business Interruption, D&O, Fire, Fire Legal Liab, Hoist/Haul-out, Inland Marine, Liability, Loss of Use, Misc Professional Liab, Ship Repairers Legal, Theft, Uninsured Boaters, Watercraft Liab Carrier Status Non-admitted States Most States Maritime Program Group Coverages Care/Custody/Control, Marina Operators Legal Carrier Status Admitted States Most States Markel Personal Lines Coverages Boats, Commercial Marine, Hull, Pollution Liab, Watercraft Liab Carrier Status Admitted States Most States Midlands Coverages CGL, Commercial Marine, Property, Watercraft Liab Carrier Status Non-admitted States Most States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States Safehold Special Risk Coverages Environmental Liab, Equipment, GL, Nonowned & Hired Auto, Property, Protection & Indemnity (P&I), Ship Repairers Legal, Umbrella, USL&H, Workers’ Comp Carrier Status Admitted States Most States T.H.E. Insurance Company Coverages Auto Comm-Standard, CGL, Crime, Equipment Breakdown, Excess Liab, Inland Marine, Marina Operators Legal, Nonowned & Hired Auto, Property, Workers’ Comp Carrier Status Admitted States Most States TCA Inc. Coverages Boats, Builders Risk, CGL, Commercial Excess, Commercial Marine, Contractors Equip, Excess Liab, GL, Hull, Liability, Marina Operators Legal, Piers & Docks, Pollution, Pollution Liab, Professional Liab, Property, Protection & Indemnity (P&I), Ship Repairers Legal, Tools & Equip, Wet Marine Carrier Status Admitted, Non-admitted States All States The Hanover Insurance Group Coverages Auto Comm-Standard, CGL, Crime, D&O, Environmental Liab, EPLI, Equipment, Fine Arts, GKLL, GL, Hull, Legal Liab, Liability, Liquor Liab, Marina Operators Legal, Physical Damage, Piers & Docks, Pollution Liab, Products Liab, Property, Protection & Indemnity (P&I), Watercraft Liab, Workers’ Comp Carrier Status Admitted States Most States

Marina/Boat Repair & Service Centers All Risks Ltd. Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Builders Risk, Bumbershoot, Cargo, GL, MEL, Property, Umbrella, USL&H, Workers’ Comp Carrier Status Non-admitted States Most States

www.insurancejournal.com

2015 Annual Program Directory, Volume II Atlass Insurance Group Coverages Business Interruption, CGL, Equipment, Excess Liab, Hull, Marina Operators Legal, Piers & Docks, Property, Watercraft Liab Carrier Status Admitted, Non-admitted States Most States Maritime Program Group Coverages Auto Comm-Standard, Boats, Boiler & Machinery, Builders Risk, Business Income, Business Interruption, Care/ Custody/Control, CGL, Commercial Excess, Commercial Marine, Crime, Dealers Open Lot, Equipment, Excess Liab, Fire, GL, Hull, Inland Marine, Legal Liab, Marina Operators Legal, Piers & Docks, Property, Ship Repairers Legal, Theft, Tools & Equip, Umbrella, Uninsured Motorists, Workers’ Comp Carrier Status Admitted States Most States Markel Personal Lines Coverages Boats, Commercial Marine, Hull, Pollution Liab, Watercraft Liab Carrier Status Admitted States Most States Norman-Spencer Agency Inc. Coverages Auto Comm-Nonstandard Phys Dmg, Auto CommStandard, Auto Comm-Standard Liability, Boats, CGL, Equipment, GL, Liability, Marina Operators Legal, Physical Damage, Property, Protection & Indemnity (P&I), Umbrella, USL&H, Watercraft Liab, Workers’ Comp Carrier Status Admitted States Most States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States Specialized Insurance Coverages Boats, BOP, CGL, GL, Marina Operators Legal Carrier Status Admitted, Non-admitted States FL, NY, PA 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 TCA Inc. Coverages Boats, Builders Risk, CGL, Commercial Excess, Commercial Marine, Contractors Equip, Excess Liab, GL, Hull, Liability, Marina Operators Legal, Piers & Docks, Pollution, Pollution Liab, Professional Liab, Property, Protection & Indemnity (P&I), Ship Repairers Legal, Tools & Equip, Wet Marine Carrier Status Admitted, Non-admitted States All States The Hanover Insurance Group Coverages Auto Comm-Standard, CGL, Crime, D&O, Environmental Liab, EPLI, Equipment, Fine Arts, GKLL, GL, Hull, Legal Liab, Liability, Liquor Liab, Marina Operators Legal, Physical Damage, Piers & Docks, Pollution Liab, Products Liab, Property, Protection & Indemnity (P&I), Watersports Liab, Workers’ Comp Carrier Status Admitted States Most States Worldwide Facilities LLC Coverages Bailee/Customer Goods, Boats, Cargo, CGL, Commercial Marine, Contractors Equip, D&O, Environmental Liab, EPLI, Excess Liab, GKLL, GL, Inland Marine, Liability, Marina Operators Legal, New Occurrence, Physical Damage, Pollution Liab, Protection & Indemnity (P&I), Ship Repairers Legal, Watercraft Liab, Wet Marine Carrier Status Admitted, Non-admitted States All States

Marinas/Boat Dealers All Risks Ltd. Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Builders Risk, Bumbershoot, Care/Custody/Control, GL, MEL, Property, Umbrella, USL&H, Workers’ Comp Carrier Status Non-admitted States Most States Atlass Insurance Group Coverages CGL, Marina Operators Legal, Medical Payments, Piers & Docks, Property, Protection & Indemnity (P&I), Umbrella Carrier Status Admitted, Non-admitted States Most States Maritime Program Group Coverages Boiler & Machinery, CGL, Commercial Marine, Excess Liab, Inland Marine, Liquor Liab, Marina Operators Legal, Piers & Docks, Protection & Indemnity (P&I), Ship Repairers Legal, Wet Marine Carrier Status Admitted States All States Midlands Coverages Marina Operators Legal, Property Carrier Status Non-admitted States All States

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Norman-Spencer Agency Inc. Coverages Auto Comm-Standard, Excess Liab, GL, Marina Operators Legal, Property, Watercraft Liab, 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, Boats, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Garage Keepers Legal Liab, GL, Identity Theft, Inland Marine, Nonowned & Hired Auto, Property, Protection & Indemnity (P&I), Real & Business Personal Prop, Umbrella, Uninsured Motorists Carrier Status Admitted States Most States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States Safehold Special Risk Coverages EPLI, Equipment, Equipment Breakdown, GL, Legal Liab, Marina Operators Legal, Nonowned & Hired Auto, Physical Damage, Ship Repairers Legal, Umbrella, Workers’ Comp Carrier Status Admitted States Most States Specialized Insurance Coverages CGL, Commercial Marine, Dealers Open Lot, GL, Marina Operators Legal Carrier Status Admitted, Non-admitted States FL, NY, PA Sun Coast General Insurance Agency Coverages Boats, Cargo, CGL, Commercial Marine, Hull, Physical Damage Rental Units, Piers & Docks, Ship Repairers Legal, Uninsured Boaters, Watercraft Liab, Wet Marine Carrier Status Admitted, Non-admitted States AK, AZ, CA, CO, FL, NV, OR, UT, WA TCA Inc. Coverages Boats, Builders Risk, CGL, Commercial Excess, Commercial Marine, Contractors Equip, Excess Liab, GL, Hull, Liability, Marina Operators Legal, Piers & Docks, Pollution, Pollution Liab, Professional Liab, Property, Protection & Indemnity (P&I), Ship Repairers Legal, Tools & Equip, Wet Marine Carrier Status Admitted, Non-admitted States All States The Hanover Insurance Group Coverages Auto Comm-Standard, CGL, Crime, D&O, Environmental Liab, EPLI, Equipment, Fine Arts, GKLL, GL, Hull, Legal Liab, Liability, Liquor Liab, Marina Operators Legal, Physical Damage, Piers & Docks, Pollution Liab, Products Liab, Property, Protection & Indemnity (P&I), Watersports Liab, Workers’ Comp Carrier Status Admitted States Most States

Martial Arts Facilities K&K Insurance Group Inc. Coverages Abuse & Molestation, CGL, Equipment, Inland Marine, Medical Payments, Participant Accident Carrier Status Admitted States Most States Markel Specialty Coverages Accident & Health, Auto Comm-Standard, Business Income, Crime, Equipment Breakdown, GL, Inland Marine, Personal Property, Property, Umbrella Carrier Status 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, Identity Theft, Inland Marine, Nonowned & Hired Auto, Professional Liab, Property, Real & Business Personal Prop, Umbrella, Uninsured Motorists Carrier Status Admitted States All States

Prime Insurance Company

Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States Sports & Fitness Insurance Corporation (SFIC) Coverages Accident & Health, Accidental Death, Auto CommStandard, Builders Risk, Business Income, Business Interruption, CGL, Crime, Earthquake, Employee Benefits, EPLI, Flood, GL, Glass, Homeowners Pkg, Liability, Medical, Professional Liab, Property Carrier Status Admitted States All States

Medical & Physical Rehab Facilities All Risks Ltd. Coverages Abuse & Molestation, GL, Nonowned & Hired Auto, Professional Liab, Workers’ Comp Carrier Status Non-admitted States Most States Monitor Liability Managers Coverages D&O, EPLI, Fiduciary Liab Carrier Status Admitted, Non-admitted States All States NAS Insurance Services Coverages Cyber Liab, EPLI, Fire Legal Liab, GL, Legal Expense Ins, Legal Liab, Medical Payments, Products Liab, Professional Liab, Sexual Misconduct Liab Carrier Status Non-admitted States Most States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States Quaker Special Risk (New Jersey) Coverages Abuse & Molestation, CGL, GL, Liability, Nonowned & Hired Auto, Professional Liab, Umbrella Carrier Status Non-admitted States Most States RPS Healthcare Coverages D&O, EPLI, Excess Liab, GL, Medical Professional, Professional Liab, Property States Most States

Medical Device/Instrument Manufacturer CRES Insurance Services Coverages BOP, Professional Liab Carrier Status Non-admitted States Most States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States Quaker Special Risk (Florida) Coverages CGL, GL, Liability, Umbrella Carrier Status Non-admitted States Most States Quaker Special Risk (Mass.)

Coverages CGL, GL, Liability, Umbrella Carrier Status Non-admitted States Most States Quaker Special Risk (New Jersey) Coverages CGL, GL, Liability, Umbrella Carrier Status Non-admitted States Most States Quaker Special Risk (New York) Coverages CGL, GL, Liability, Umbrella Carrier Status Non-admitted States Most States SURETY ONE Inc. Coverages Fidelity, Fidelity Bonds Carrier Status Admitted, Non-admitted States Most States

Medical Imaging Centers Allied Protector Plan Coverages GL, Medical Malpractice, Medical Professional Carrier Status Non-admitted States Most States American Professional Liability Underwriters Inc. Coverages D&O, EPLI, GL, Professional Liab Carrier Status Nonadmitted States AL, FL, GA, MI, MS, NC, NY, TX Centurion Insurance Group Coverages D&O, Professional Liab Carrier Status Admitted States All States Quaker Special Risk (New Jersey) Coverages CGL, GL, Liability, Professional Liab, Umbrella Carrier Status Non-admitted States Most States Ultra Risk Advisors Coverages Excess Liab, Medical Malpractice, Professional Liab States All States

Medical Marijuana Despensaries/ Growers Next Wave Insurance Services LLC Coverages Business Income, Cargo, Excess Liab, GL, Products Liab, Workers’ Comp Carrier Status Non-admitted States Most States

December 7, 2015 INSURANCE JOURNAL-NATIONAL REGION | N71

2015 Annual Program Directory, Volume II Medical Professionals Access E&S Insurance Services (CA) Coverages BOP, Cyber Liab, EPLI, Medical Malpractice Carrier Status Non-admitted States AZ, CA, CO, ID, NV, OR, TX, WA Access E&S Insurance Services (VA) Coverages Excess Liability, Professional Liability Carrier Status Non-admitted States AR, DE, GA, IL, MD, NC, NJ, NY, OH, PA, SC, TN, TX, VA, DC Burns & Wilcox - All Offices Coverages Auto Comm-Nonstandard, CGL, Excess Liab, Professional Liab, Property Carrier Status Admitted, Non-admitted States Most States J.M. Wilson Coverages CGL, Professional Liab Carrier Status Non-admitted States Most States NAS Insurance Services Coverages Cyber Liab, D&O, EPLI, MEDEFENSE Plus, Medical Malpractice Carrier Status Non-admitted States Most States NeitClem Wholesale Insurance Brokerage Inc. Coverages D&O, E&O, Liability, Medical Malpractice, Professional Liab Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX PBS Insurance Underwriting Corporation Coverages Medical Malpractice, Misc Professional Liab Carrier Status Admitted, Non-admitted States Most States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States PULIC Program - TDC Specialty Insurance Company Coverages Liability, Medical Malpractice, Professional Liab Carrier Status Admitted, Non-admitted States Most States Rockwood Programs Inc. Coverages Cyber Liab, D&O, EPLI, Medical Malpractice, Misc Professional Liab Carrier Status Admitted, Non-admitted States Most States RPS Healthcare Coverages EPLI, Excess Liab, GL, Medical Professional Carrier Status Admitted, Non-admitted States Most States The McGowan Companies Coverages Misc Professional Liab, Professional Liab Carrier Status Admitted, Non-admitted States Most States USX/S Coverages Abuse & Molestation, Breach of Security, CGL, Cyber Liab, Identity Theft, Medical Malpractice Carrier Status Admitted, Non-admitted States All States Worldwide Facilities LLC Coverages Abuse & Molestation, CGL, Commercial Excess, Community/Social Svcs, Crime, D&O, EPLI, Excess Liab, GL, Medical, Medical & Physical Rehab, Medical Malpractice, Medicare/Medicaid Billing E&O, Mental Health Care, Physicians Billing E&O, Professional Liab, Sexual Misconduct Liab Carrier Status Admitted, Non-admitted States All States

Allied Protector Plan Coverages GL, Medical Malpractice, Medical Professional Carrier Status Non-admitted States Most States Irwin Siegel Agency Inc. Coverages Addiction Treatment, Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Crime, GL, Inland Marine, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States Negley Associates Coverages CGL, Professional Liab Carrier Status Non-admitted States All States NIF Group Inc. Coverages Abuse & Molestation, Addiction Treatment, Auto Comm-Standard, Boiler & Machinery, Business Income, Business Interruption, D&O, E&O, EPLI, Fiduciary Liab, Fire Legal Liab, GL, Inland Marine, Liability, Medical & Physical Rehab, Medical Malpractice, Medical Payments, Mental Health Care, Products Liab, Professional Liab, Umbrella Carrier Status Admitted States Most States

Philadelphia Insurance Companies

Coverages Abuse & Molestation, Addiction Treatment, Auto Comm-Standard Liability & 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, Nonowned & Hired Auto, Professional Liab, Property, Real & Business Personal Prop, Sexual Misconduct Liab, Umbrella, Uninsured Motorists Carrier Status Admitted States All States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property States Most States RPS NIPC Coverages Auto Comm-Standard, CGL, Cyber Liab, Employee Benefits, EPLI, Excess Liab, Non-Profit D&O, Nonowned & Hired Auto, Professional Liab, Property, Sexual Misconduct Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States

Metalworking Companies Smith, Bell & Thompson Inc. Coverages Auto Comm-Standard, Crime, Equipment Breakdown, GL, Inland Marine, Property, Stop-Gap, Umbrella Carrier Status Admitted States Most States

Mobile Auto Detailer 5Star Garage Services & Auto Dealers Program Coverages EPLI, Fire Legal Liab, Garage Keepers Legal Liab, Garage Liability, Legal Liab, Nonowned & Hired Auto, Property, Uninsured Motorists Carrier Status Admitted States Most States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States

King Insurance Support Systems Coverages Auto Comm-Standard, Crime, Inland Marine, Liability, Property, Umbrella Carrier Status Admitted, Non-admitted States AZ, CA, CO, IA, ID, IL, IN, MI, MO, MT, NC, NE, NV, OH, OK, OR, PA, SC, TN, TX, UT, WA, WI Philadelphia Insurance Companies Coverages Auto Comm-Standard, Boiler & Machinery, CGL, D&O, Employee Benefits, EPLI, Equipment, Fire Legal Liab, GL, Liability, Nonowned & Hired Auto, Property, Umbrella, Uninsured Motorists, Uninsured Personal Injury Carrier Status Admitted States All States

Prime Insurance Company

Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States South & Western General Agency Inc. Coverages GL, Property Carrier Status Admitted States AR, MS, NM, OK, TN, TX

Mortgage Bankers/Lenders All Risks Ltd. Coverages Collateral Protection, Flood, GL, Mortgage Impairment Carrier Status Admitted, Non-admitted States Most States Gerald J. Wilkoff Inc. Coverages Contractors License Bonds, Crime, Fidelity, Fidelity Bonds, Fiduciary Liab Carrier Status Admitted States Most States Johnson & Johnson Coverages Crime, Cyber Liab, D&O, E&O, EPLI, Fidelity Bonds, Kidnap/Ransom, Professional Liab Carrier Status Non-admitted States Most States Proctor Financial Inc. 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 Coverage, Rented Property, Residential Property Carrier Status Non-admitted States All States RPS - Executive Lines Division Coverages Business Interruption, Crime, Cyber Liab, D&O, E&O, EPLI, Kidnap/Ransom Carrier Status Admitted, Non-admitted States Most States Russell Bond & Co. Inc. Coverages Blanket Forced Placed, Collateral Protection, Difference in Conditions, Excess Flood, Force Place Fire Cvrg, Foreclosed Properties, Mortgage Impairment, Mortgage REO Cvrg Carrier Status Non-admitted States Most States TitlePac Inc. Coverages Cyber Liab, E&O, Fidelity Bonds, Misc Professional Liab, Professional Liab Carrier Status Non-admitted States Most States Worldwide Facilities LLC Coverages CGL, E&O, EPLI, Excess Liab, GL, Professional Liab, Umbrella Carrier Status Admitted, Non-admitted States All States

Medical Spas

Mobile Home Parks (Commercial)

Mortgage Brokers

Access E&S Insurance Services (CA) Coverages Cyber Liab, EPLI, GL, Professional Liab, Property Carrier Status Non-admitted States AZ, CA, CO, ID, NV, OR, TX, WA Allied Protector Plan Coverages GL, Medical Malpractice, Medical Professional Carrier Status Non-admitted States Most States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States Professional Program Insurance Brokerage Coverages Abuse & Molestation, BOP, CGL, Professional Liab, Property Carrier Status Non-admitted States Most States

American Modern Insurance Group Coverages Mobile Home Ins, Rented Property, Renters Insurance, Service Contracts States All States American Underwriting Managers Coverages GL, Property Carrier Status Non-admitted States AK, AZ, CO, FL, KS, LA, MO, NC, NM, OK, TX, WY AmWINS Group Inc. - 80 Offices Nationwide Coverages Crime, Fire Legal Liab, GL, Inland Marine, Medical Payments, Property Carrier Status Admitted, Non-admitted States Most States Anderson & Murison Inc. Coverages CGL, Professional Liab, Property Carrier Status Non-admitted States CA

Access E&S Insurance Services (CA) Coverages BOP, Cyber Liab, EPLI, Fidelity Bonds, Professional Liab Carrier Status Non-admitted States AZ, CA, CO, ID, NV, OR, TX, WA CRES Insurance Services Coverages GL, Professional Liab States AZ, CA, CO, CT, FL, GA, IL, IN, MA, MD, MI, MO, NC, NJ, NV, OH, OR, PA, SC, TX, UT, VA, WA Gerald J. Wilkoff Inc. Coverages Contractors License Bonds, Crime, Fidelity, Fidelity Bonds, Fiduciary Liab Carrier Status Admitted States Most States King Insurance Support Systems Coverages Professional Liab States Most States Logic Underwriters Inc. Coverages BOP, E&O Carrier Status Admitted, Non-admitted States TX Philadelphia Insurance Companies Coverages BOP, Identity Theft, Misc Professional Liab Carrier Status Admitted States All States RPS - Executive Lines Division Coverages Crime, Cyber Liab, D&O, E&O, EPLI, Fidelity, Kidnap/ Ransom Carrier Status Non-admitted States Most States

Mental Health Care Facilities AFC Insurance Coverages Abuse & Molestation, Auto Comm-Standard, Boiler & Machinery, Business Interruption, CGL, COC, D&O, Developmental Disabilities, Employee Benefits, Inland Marine, Mental Health Care, Misc Professional Liab, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States

Brecht & Associates Coverages Excess Liab, GL, Inland Marine, Property Carrier Status Non-admitted States TX Compass Insurance Group of Agencies Coverages Business Income, CGL, Property Carrier Status Non-admitted States CA Evolution Insurance Brokers Coverages Dwelling Fire, Earthquake, Fire, Fire Legal Liab, Homeowners Pkg, Liability, Mobile Home Ins, Rented Property, Renters Insurance, Theft Carrier Status Non-admitted States Most States

72 | INSURANCE JOURNAL-NATIONAL REGION December 7, 2015

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2015 Annual Program Directory, Volume II TitlePac Inc. Coverages Cyber Liab, E&O, Fidelity Bonds, Misc Professional Liab, Professional Liab Carrier Status Non-admitted States Most States

Motion Picture (Film/Video) Producers All Risks Ltd. Coverages Excess Liab, GL, Inland Marine, Nonowned & Hired Auto, Workers’ Comp Carrier Status Non-admitted States Most States Gales Creek Insurance, A Div of JD Fulwiler & Co. Coverages Auto Comm-Standard, Business Interruption, Cast Insurance, CGL, E&O, Negative Film, Props, Sets, Umbrella, Wardrobe, 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, Cyber Liab, D&O, EPLI, Equipment Breakdown, Inland Marine, Professional Liab, Property, Umbrella Carrier Status Admitted States All States U.S. Risk Insurance Group Inc. Coverages CGL, Crime Carrier Status Admitted, Non-admitted States Most States

Motor Sports All Risks Ltd. Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Business Income, Crime, GL, Participant Accident, Workers’ Comp Carrier Status Non-admitted States Most States American Specialty Insurance & Risk Services Inc. Coverages Auto Comm-Standard, CGL, Crime, Employee Benefits, Excess Liab, Property Carrier Status Admitted States Most States AmWINS Transportation Underwriters Inc. (Zionsville) Coverages Accidental Death, Auto Comm-Standard, Business Income, Crime, Disability, E&O, Event Cancellation, Excess Liab, GL, Inland Marine, Legal Liab, Liquor Liab, Participant Accident, Products Liab, Property, 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, CGL, Crime, D&O, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Legal Expense Ins, Nonowned & Hired Auto, Personal Property, Protection & Indemnity (P&I), Umbrella, Uninsured Motorists Carrier Status Admitted States All States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States

Motorcycle Dealers / Dealerships All Risks Ltd. Coverages Garage Liability, GKLL, Workers’ Comp Carrier Status Admitted States Most States American Specialty Insurance & Risk Services Inc. Coverages CGL, Crime, GKLL, Inland Marine, Property Carrier Status Admitted States Most States K&K Insurance Group Inc. Coverages Business Income, Crime, Employee Benefits, EPLI, Garage Liability, Inland Marine, Workers’ Comp Carrier Status Admitted States Most States MBA Insurance Agency of AZ Inc. Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg States Most States Platinum Program Managers & Insurance Services Inc. Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States AK, AZ, CA, CO, ID, MT, NM, NV, OR, TX, UT Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States

Williams & Stazzone Insurance Agency Inc.

Coverages Crime, Dealers Open Lot, EPLI, Garage Keepers Legal Liab, Garage Liability, Property, Umbrella Carrier Status Admitted States Most States

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Movie Boats

Museums

Gales Creek Insurance, A Div of JD Fulwiler & Co. Coverages Hull, Protection & Indemnity (P&I), USL&H, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

American Specialty Insurance & Risk Services Inc. Coverages Auto Comm-Standard, Business Income, CGL, Commercial Excess, Crime, Inland Marine, Property Carrier Status Admitted States Most States Markel Specialty Coverages Auto Comm-Standard, Blanket Addit’l Insureds, Boiler & Machinery, Business Income, Crime, Cyber Liab, D&O, Earthquake, Employee Benefits, EPLI, Equip Breakdown, Fine Arts, Fire, Flood, GL, Hail, Historic Bldgs/Unique Property, Hurricane, Inland Marine, Liability, Liquor Liab, Mechanical Breakdown, Non-Profit D&O, Nonowned & Hired Auto, Professional Liab, Property, Theft, Umbrella, Windstorm, WC Carrier Status Admitted States All States except HI Philadelphia Insurance Companies Coverages Abuse & Molestation, CGL, Property Carrier Status Admitted States All States

Moving & Storage Companies Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States The Hanover Insurance Group Coverages Cargo, Equipment, Liability, Motor Truck Cargo, Property Carrier Status Admitted States Most States

Moving Companies Delta General Agency Corp.

Coverages GL, Property Carrier Status Admitted, Non-admitted States TX Paul Hanson Partners Specialty Ins. Solutions Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Business Income, Cargo, CGL, Crime, Equipment, Inland Marine, Motor Truck Cargo, Nonowned & Hired Auto, Property, Truck Auto Liab, Umbrella, Uninsured Motorists, Workers’ Comp Carrier Status Admitted States Most States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States The Hanover Insurance Group Coverages Cargo, Equipment, Liability, Motor Truck Cargo, Property Carrier Status Admitted States Most States

Municipalities Alliant Specialty Insurance Services Inc. Coverages Inland Marine, Property, Umbrella Carrier Status Non-admitted States All States AmWINS Group Inc. - 80 Offices Nationwide Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Crime, Employee Benefits, EPLI, GL, Inland Marine, Police Professional Liab, Pollution Liab, Property, Public Officials, Umbrella Carrier Status Admitted, Non-admitted States Most States AmWINS Program Underwriters Coverages Pollution, Pollution Liab States All States Apex Insurance Services Coverages Auto Comm-Standard, Auto Comm-Standard Phys Dmg, CGL, Commercial Excess, Crime, EPLI, Equipment Breakdown, Inland Marine, Property, Public Officials Carrier Status Admitted, Non-admitted States Most States Glatfelter Insurance Group Coverages Auto Comm-Standard, Crime, Excess Liab, GL, Inland Marine, Property, Public Officials Carrier Status Admitted States Most States Glatfelter Public Practice Coverages Auto Comm-Standard, Crime, Excess Liab, GL, Inland Marine, Property, Public Officials Carrier Status Admitted States Most States Midlands Coverages Excess Liab, Liability, Police Professional Liab, Professional Liab, Public Officials, Workers’ Comp Carrier Status Admitted States Most States NIF Group Inc. Coverages Auto Comm-Standard, Boiler & Machinery, Crime, EPLI, Equipment Breakdown, GL, Inland Marine, Property, Public Officials, Umbrella Carrier Status Admitted States AZ, MA, NJ, NY, PA, TN 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, Identity Theft, Inland Marine, Nonowned & Hired Auto, Property, Umbrella, Uninsured Motorists Carrier Status Admitted States All States SURETY ONE Inc. Coverages Fidelity, Fidelity Bonds, Public Officials Carrier Status Admitted, Non-admitted States Most States

Nanny Services Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States

Networking/Telecommunication Co’s AMIS/Alliance Marketing & Insurance Services Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, BOP, Liability, Property, Workers’ Comp Carrier Status Admitted States Most States JLT Facilities Inc. Coverages Cyber Liab, E&O, GL, Liability, Misc Professional Liab, Professional Liab, Technology E&O Carrier Status Admitted States Most 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, Liability, Media Liab, Nonowned & Hired Auto, Products Liab, Professional Liab, Property, Technology E&O, Umbrella, Workers’ Comp Carrier Status Admitted States All States

Night Clubs International Excess Companies Coverages Assault & Battery, CGL, Commercial Excess, Crime, EPLI, Excess Liab, GL, Liability, Liquor Liab, Nonowned & Hired Auto, Umbrella Carrier Status Non-admitted States Most States NeitClem Wholesale Insurance Brokerage Inc. Coverages Assault & Battery, Fire, GL, Inland Marine, Liability, Liquor Liab, Spoilage Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX Number One Insurance Agency Coverages Assault & Battery, Excess Liab, Flood, GL, Liquor Liab, Property Carrier Status Admitted States MA Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States Unifax Insurance Systems Inc. Coverages GL, Liquor Liab, Property Carrier Status Admitted States CA

Nonprofit Organizations Alliance of Nonprofits for Ins. Risk Retention Group Coverages Abuse & Molestation, D&O, Fiduciary Liab, GL, Liability, Nonowned & Hired Auto, Physical Damage, Professional Liab, Umbrella Carrier Status Admitted, Non-admitted States Most States AMIS/Alliance Marketing & Insurance Services Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Liability, Professional Liab, Property Carrier Status Admitted States Most States Burns & Wilcox - All Offices Coverages Auto Comm-Nonstandard, CGL, Excess Liab, Property Carrier Status Admitted, Non-admitted States Most States

December 7, 2015 INSURANCE JOURNAL-NATIONAL REGION | N73

2015 Annual Program Directory, Volume II Care Providers Insurance Services LLC Coverages Abuse & Molestation, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Business Interruption, Crime, D&O, Equipment Breakdown, GL, Liability, Nonowned & Hired Auto, Participant Accident, Professional Liab, Property, Theft, Umbrella Carrier Status Admitted States Most States Charity First Insurance Services Inc. Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, Boiler & Machinery, Business Income, CGL, Crime, EPLI, Equipment Breakdown, Int’l Coverage Commercial, Liquor Liab, Non-Profit D&O, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted States Most States CID Insurance Programs Inc. Coverages CGL, D&O, Liability, Property Carrier Status Admitted, Non-admitted States CA, CO, MD, NE, NM, NV, OR, TN, TX, UT, WA Gateway Specialty Insurance Coverages Abuse & Molestation, EPLI, GL, Non-Profit D&O, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States Great American Ins. Group - Executive Liability Div. Coverages Community/Social Svcs, D&O, EPLI, Excess Liab, Fiduciary Liab Carrier Status Admitted States Most States Indemnity Excess & Surplus Agency Inc. Coverages BOP, E&O, EPLI, Non-Profit D&O Carrier Status Admitted States Most States Irwin Siegel Agency Inc. Coverages D&O, EPLI, Non-Profit D&O Carrier Status Admitted, Non-admitted States Most States Markel Specialty Coverages Abuse & Molestation, Accident & Health, Auto CommStandard, Business Income, Crime, Equipment Breakdown, GL, Inland Marine, Kidnap/Ransom, Professional Liab, Property, Umbrella Carrier Status Admitted States Most States MexiPass International Insurance Services LLC Coverages Int’l Coverage - Commercial, Int’l Coverage - Personal Carrier Status Admitted States All States Monitor Liability Managers Coverages D&O, EPLI, Fiduciary Liab, Non-Profit D&O Carrier Status Admitted, Non-admitted States All States

NIF Group Inc.

Coverages Abuse & Molestation, Auto Comm-Standard, Boiler & Machinery, Business Interruption, Commercial Excess, Crime, D&O, E&O, Medical Payments, Property Carrier Status Admitted States Most States Nonprofits Insurance Alliance of Calif.

Coverages Abuse & Molestation, D&O, Fiduciary Liab, GL, Liability, Nonowned & Hired Auto, Physical Damage, Professional Liab, Umbrella Carrier Status Admitted, Nonadmitted States CA 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, Identity Theft, Inland Marine, Non-Profit D&O, Nonowned & Hired Auto, Professional Liab, Property, Real & Business Personal Prop, Sexual Misconduct Liab, Umbrella, Uninsured Motorists Carrier Status Admitted States All States Professional Ins. Concepts (fka Crump Prof. Concepts) Coverages D&O, EPLI Carrier Status Admitted States Most States

R.V. Nuccio & Associates Inc.

Coverages Accidental Death, CGL, EPLI, Event Cancellation, Fidelity, Hole-in-One, Inland Marine, Non-Profit D&O, Nonowned & Hired Auto, Property, Trade Shows & Festivals, Weather Carrier Status Admitted States Most States Rockwood Programs Inc. Coverages Crime, D&O, EPLI, Fiduciary Liab, Non-Profit D&O Carrier Status Admitted, Non-admitted States Most States Russell Bond & Co. Inc. Coverages Abuse & Molestation, CGL, Community/Social Svcs, Crime, Cyber Liab, D&O, Developmental Disabilities, E&O, Educator Legal Liab, Fidelity, Fiduciary Liab, Identity Theft, Kidnap/Ransom, Legal Malpractice, Liquor Liab, Managed Care, Media Liab, Medical & Physical Rehab, Medical Malpractice, Medical Professional, Mental Health Care, Misc Professional Liab, Non-Profit D&O, Nonowned & Hired Auto, Police Professional Liab, Products Liab, Professional Liab, Public Officials, Sexual Misconduct Liab, Tenant Discrimination, Umbrella Carrier Status Admitted, Non-admitted States Most States

SURETY ONE Inc. Coverages Fidelity, Fidelity Bonds Carrier Status Admitted, Non-admitted States Most States

Swett & Crawford

Coverages Abuse & Molestation, Assault & Battery, Blanket Addt’l Insureds, CGL, Community/Social Svcs, D&O, E&O, Educator Legal Liab, EPLI, Fiduciary Liab, Liability, Misc Professional Liab, Non-Profit D&O, Professional Liab, Public Officials, Sexual Misconduct Liab, Tenant Discrimination Carrier Status Admitted, Non-admitted States Most States Victor O. Schinnerer & Co. Coverages Crime, D&O, EPLI, Fiduciary Liab, Kidnap/Ransom, Non-Profit D&O Carrier Status Admitted States Most States

Nurseries / Garden Centers Agricultural Insurance Mgmt Services Coverages CGL, Contractors Equip, Equipment, Equipment Breakdown, Products Liab, Property Carrier Status Admitted States Most States Mark D. Fredricksen Insurance Services Coverages CGL, Property Carrier Status Admitted States Most States

Nursing Homes 5Star Paratransit Program Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, EPLI, Excess Liab, GL, Medical Payments, Physical Damage, Umbrella, Uninsured Motorists Carrier Status Admitted States Most States All Risks Ltd. Coverages Abuse & Molestation, Employee Benefits, GL, Nonowned & Hired Auto, Professional Liab, Property Carrier Status Non-admitted States Most States CRC Insurance Services - All Offices Coverages Excess Liab, GL, Professional Liab, Property, Umbrella Carrier Status Non-admitted States Most States Evolution Insurance Brokers Coverages Abuse & Molestation, D&O, Fire, Fire Legal Liab, Liability, Mechanical Breakdown, Misc Professional Liab, Sexual Misconduct Liability, Theft, Tools & Equipment Carrier Status Non-admitted States Most States Gerald J. Wilkoff Inc. Coverages Crime, Fidelity, Fidelity Bonds, Fiduciary Liab Carrier Status Admitted States Most States Glatfelter Healthcare Practice Coverages Auto Comm-Standard Liability, GL, Professional Liab, Property, Umbrella Carrier Status Admitted States Most States Glatfelter Insurance Group Coverages Auto Comm-Standard Liability, GL, Professional Liab, Property, Umbrella Carrier Status Admitted States Most States Insurance Programs of America Inc. Coverages Catastrophe, Earthquake, Equipment Breakdown, Property, Weather, Windstorm Carrier Status Non-admitted States Most States Philadelphia Insurance Companies Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Fire Legal Liab, Identity Theft, Nonowned & Hired Auto, Property, Real & Business Personal Prop, Uninsured Motorists Carrier Status Admitted States All States PMC Insurance Group Coverages Workers’ Comp Carrier Status Admitted States Most States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States Quadrant Insurance Managers Coverages GL, Professional Liab States FL, NJ, TX RPS Healthcare Coverages D&O, EPLI, Excess Liab, GL, Professional Liab, Property Carrier Status Admitted, Non-admitted States Most States Sapphire Blue Coverages CGL, Professional Liab Carrier Status Non-admitted States All States

74 | INSURANCE JOURNAL-NATIONAL REGION December 7, 2015

USX/S Coverages Abuse & Molestation, Auto Comm-Standard, Business Income, Cyber Liab, D&O, Environmental Liab, EPLI, Food Borne Illness, GL, Identity Theft, Medical Malpractice, Medical Professional, Property, Sexual Misconduct Liab Carrier Status Admitted, Non-admitted States All States Western Security Surplus Insurance Brokers Inc. Coverages Abuse & Molestation, Addiction Treatment, CGL, E&O, Earthquake, Fire, Fire Legal Liab, GL, Liability, Managed Care, Medical & Physical Rehab, Medical Malpractice, Mental Health Care, Physical Damage, Professional Liab, Property Carrier Status Non-admitted States CA, TX

Office Building Owners Advanced E&S Group - Midwest Region Coverages Business Income, Business Interruption, CGL, Fire, GL, Glass, Liability, Property, Real & Business Personal Prop, Theft Carrier Status Admitted, Non-admitted States IA, IL, IN, KS, KY, MI, MN, MO, NE, NJ, NY, OH, PA, VA, WI Appleby & Sterling Coverages Business Income, CGL, Property Carrier Status Admitted States AZ, CA, NV Burns & Wilcox - All Offices Coverages CGL, Excess Liab, Inland Marine, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States CIBA Insurance Services Coverages Boiler & Machinery, Builders Risk, Business Income, Crime, Earthquake, GL, Lessor Only Excess Liab, Liability, Property Carrier Status Non-admitted States Most States Crusader Insurance Company Coverages GL, Property Carrier Status Admitted States CA Horizon Risk Insurance Services Inc. Coverages Earthquake, Liability, Property Carrier Status Non-admitted States AZ, CA, NV M.J. Hall & Company Inc. Coverages BOP, CGL, Excess Liab, Property Carrier Status Admitted, Non-admitted States AK, AZ, CA, HI, NV 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, Identity Theft, Inland Marine, Nonowned & Hired Auto, Property, Real & Business Personal Prop, Umbrella, Uninsured Motorists Carrier Status Admitted States All States Preferred Property Programs Coverages Boiler & Machinery, Commercial Excess, Equipment Breakdown, Excess Liab, Lessor Only Excess Liab, Mechanical Breakdown, Umbrella Carrier Status Admitted States Most States Specialty Programs & Facilities Managers (AmWINS) Coverages Liability, Pollution Liab, Property, Umbrella Carrier Status Admitted States AZ, CA, NV UCA General Insurance Services Coverages Business Income, CGL, EPLI, Equipment Breakdown, Fire Legal Liab, Medical Payments, Nonowned & Hired Auto, Property, Umbrella Carrier Status Admitted States AZ, CA, ID, IL, NV, OR, UT, WA, WI

Oil & Gas Operators Alliant Specialty Insurance Services Inc. Coverages Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, Care/Custody/Control, CGL, Contractors Equip, Inland Marine, Installation Floaters, Pollution, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States Burnett & Company, Inc. Coverages CGL, Control of Well, Political Risk, Pollution, Property Carrier Status Non-admitted States All States LIG Marine Managers Coverages USL&H, Workers’ Comp Carrier Status Admitted, Non-admitted States All States MarketScout Coverages Auto Comm-Standard, Business Interruption, Commercial Excess, Control of Well, E&O, Employee Benefits, Environmental Liab, GL, Pollution, Pollution Liability, Professional Liability, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States McClelland and Hine Inc. Coverages Liability, Umbrella Carrier Status Non-admitted States TX www.insurancejournal.com

2015 Annual Program Directory, Volume II National Interstate Insurance Company Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, GL Carrier Status Admitted States Most States Southwest Energy Underwriters Inc. Coverages CGL, Commercial Excess, Control of Well, Equipment, Pollution, Pollution Liab, Property, Umbrella Carrier Status Non-admitted States All States Coverages Auto Comm-Standard, Completed Operations Liab, Contractors Equip, Control of Well, Equipment, Fire Legal Liab, GL, Liability, Medical Payments, Pollution, Umbrella Carrier Status Admitted, Non-admitted States Most 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 Most States Transpac Managers Inc. Coverages Equipment, Equipment Breakdown, Property, Rented Property, Tools & Equip Carrier Status Non-admitted States Most States Victor O. Schinnerer & Co. Coverages Auto Comm-Standard, D&O, EPLI, Excess Liab, Fiduciary Liab, GL, Inland Marine, Kidnap/Ransom, Property Carrier Status Admitted States Most 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, Inland Marine, Medical Payments, Misc Professional Liab, Nonowned & Hired Auto, Pollution Liab, Products Liab, Professional Liab Carrier Status Non-admitted States TX

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, Fire Legal Liab, GL, Herbicide & Pesticide, Inland Marine, Liability, Lost Key, Medical Payments, Pollution Liab, Products Liab, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States Burns & Wilcox - All Offices Coverages CGL, Environmental Liab, Excess Liab, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States Izzo Insurance Services Inc. Coverages Blanket Waivers, Workers’ Comp Carrier Status Admitted States Most States Markel Specialty Coverages Auto Comm-Standard, Business Income, CGL, Equipment, Equipment Breakdown, Herbicide & Pesticide, Inland Marine, Legal Liab, Livestock/Animal Mortality, Medical Payments, Property, Umbrella Carrier Status Admitted States Most States Philadelphia Insurance Companies Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Care/Custody/Control, D&O, Damage in Process, Equipment Breakdown, Liability, Pollution Liab Carrier Status Admitted States All States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States

Optometrist

Sierra Specialty

Swett & Crawford

Mercer Consumer, a svc of Mercer Health & Benefits Coverages Cyber Liab, Professional Liab Carrier Status Admitted States Most States

Orchards - Agriculture Agricultural Insurance Mgmt Services Coverages CGL, Contractors Equip, Products Liab, Property Carrier Status Admitted States Most States

Osteopaths PULIC Program - TDC Specialty Insurance Company Coverages Liability, Medical Malpractice, Professional Liab Carrier Status Admitted, Non-admitted States Most States

Parent Teacher Organizations (PTAs/ PTOs) R.V. Nuccio & Associates Inc. Coverages Abuse & Molestation, Accidental Death, CGL, Crime, EPLI, Event Cancellation, Fidelity, Inland Marine, Medical Payments, Non-Profit D&O, Weather Carrier Status Admitted States Most States

Pawn Shops All Risks Ltd. Coverages Crime, Employee Benefits, Equipment Breakdown, GL, Nonowned & Hired Auto, Professional Liab, Property Carrier Status Non-admitted States All States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States SURETY ONE Inc. Coverages Fidelity, Fidelity Bonds Carrier Status Admitted, Non-admitted States Most States

Pest Control Firms 5Star Business Auto Program (Misc. classes) Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Uninsured Motorists Carrier Status Admitted States Most States All Risks Ltd. Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Blanket Addt’l Insureds, Care/Custody/Control, Crime, Employee Benefits, Excess Liab, GL, Inland Marine, Lost Key, Nonowned & Hired Auto, Pollution, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Non-admitted States Most States www.insurancejournal.com

Coverages CGL, Excess Liab, Herbicide & Pesticide, Inland Marine, Professional Liab, Umbrella Carrier Status Non-admitted States Most States Sovereign Group Int’l Inc. Coverages Business Income, Business Interruption, CGL, Commercial Excess, E&O, EPLI, Liquor Liab, Misc Professional Liab, Professional Liab, Property, Umbrella Carrier Status Non-admitted States MA, NJ, NY SURETY ONE Inc. Coverages Fidelity, Fidelity Bonds Carrier Status Admitted, Nonadmitted States Most States

Pet Care Professionals Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States

Pet Salons/Kennels/Supplies Continental Brokers Inc. Coverages BOP, Medical, Mortality, Property, Theft, Umbrella, Workers’ Comp Carrier Status Admitted States Most States Evolution Insurance Brokers Coverages Bailee/Customer Goods, Care/Custody/Control, D&O, Fire, Fire Legal Liab, Liability, Livestock/Animal Mortality, Misc Professional Liab, Products Liab, Professional Liab, Theft, Tools & Equip Carrier Status Non-admitted States Most States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States Topa Insurance Company Coverages GL, Professional Liab, Property Carrier Status Admitted States AZ, CA, NV Wildlife Insurance Underwriters LLC Coverages BOP, Flood, GL, Horse Mortality Carrier Status Admitted States Most States

Petroleum Distributors AmWINS Group Inc. - 80 Offices Nationwide Coverages Pollution, Pollution Liab Carrier Status Admitted, Non-admitted States Most States Philadelphia Insurance Companies Coverages Auto Comm-Standard, Crime, GL, Property, Umbrella Carrier Status Admitted States All States

Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most 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 Most States Willis Programs Coverages Auto Comm-Standard, Crime, GL, Inland Marine, Property, Umbrella Carrier Status Admitted States Most States

Physician Assistants Allied Protector Plan Coverages GL, Medical Malpractice, Medical Professional Carrier Status Non-admitted States Most States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States

Physicians Continental Brokers Inc. Coverages Accident & Health, Accidental Death, Auto CommStandard Liability, Auto Pers-Standard, Boiler & Machinery, BOP, Business Income, Business Interruption, Crime, Cyber Liab, Disability, Earthquake, Flood, Glass, Homeowners Pkg, Medical Malpractice, Umbrella Carrier Status Admitted States Most States NAS Insurance Services Coverages Cyber Liab, EPLI, Identity Theft, Legal Expense Ins, Managed Care, MEDEFENSE, MEDEFENSE Plus, Medical Malpractice, Tax Audit, Workers’ Comp Plus (Alternative) Carrier Status Non-admitted States Most States PULIC Program - TDC Specialty Insurance Company Coverages Liability, Medical Malpractice, Professional Liab Carrier Status Admitted, Non-admitted States Most States RPS Healthcare Coverages D&O, EPLI, Medical Malpractice Carrier Status Admitted, Non-admitted States Most States Ultra Risk Advisors Coverages Excess Liab, Medical Malpractice, Professional Liab States All States

Piers & Docks All Risks Ltd. Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Builders Risk, Bumbershoot, Cargo, GL, MEL, Property, Umbrella, USL&H, Workers’ Comp Carrier Status Non-admitted States Most States Atlass Insurance Group Coverages Business Interruption, CGL, Property Carrier Status Admitted, Non-admitted States Most States LIG Marine Managers Coverages Builders Risk, Earthquake, Fire, Flood, Hail, Hurricane, Piers & Docks, Property, Windstorm States All States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States The Hanover Insurance Group Coverages Auto Comm-Standard, CGL, Crime, D&O, Environmental Liab, EPLI, Equipment, Fine Arts, GKLL, GL, Hull, Legal Liab, Liability, Liquor Liab, Marina Operators Legal, Physical Damage, Piers & Docks, Pollution Liab, Products Liab, Property, Protection & Indemnity (P&I), Watersports Liab, Workers’ Comp Carrier Status Admitted States Most States

Pizza Delivery AFC Insurance Coverages Auto Comm-Standard, BOP, Employee Benefits, EPLI, Nonowned & Hired Auto, Workers’ Comp Carrier Status Admitted States All States All Risks Ltd. Coverages Nonowned & Hired Auto, Workers’ Comp Carrier Status Admitted States Most States

December 7, 2015 INSURANCE JOURNAL-NATIONAL REGION | N75

2015 Annual Program Directory, Volume II AmWINS Group Inc. - 80 Offices Nationwide Coverages Auto Comm-Standard Phys Dmg, BOP, EPLI, Excess Liab, GL, Nonowned & Hired Auto, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States AmWINS Program Underwriters Coverages Auto Comm-Standard, EPLI, GL, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States IPC Coverages Nonowned & Hired Auto, Pickup & Delivery Charges Carrier Status Non-admitted States Most States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States Program Risk Specialists Coverages Nonowned & Hired Auto Carrier Status Non-admitted States Most States Sunderland Insurance Services Inc. Coverages Excess Liab, Nonowned & Hired Auto, Umbrella Carrier Status Non-admitted States Most States

Plastic Manufacturers & Distributors NeitClem Wholesale Insurance Brokerage Inc. Coverages GL, Property Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States Smith, Bell & Thompson Inc. Coverages Auto Comm-Standard, Crime, Equipment Breakdown, GL, Inland Marine, Property, Stop-Gap, Umbrella Carrier Status Admitted States Most States

Podiatric Physicians Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States PULIC Program - TDC Specialty Insurance Company Coverages Liability, Medical Malpractice, Professional Liab Carrier Status Admitted, Non-admitted States Most States Rockwood Programs Inc. Coverages E&O, Medical Malpractice, Professional Liab Carrier Status Admitted, Non-admitted States Most States

Police/Law Enforcement Officers SURETY ONE Inc. Coverages Fidelity Bonds, Public Officials Carrier Status Admitted, Non-admitted States Most States

Production Companies All Risks Ltd. Coverages Excess Liab, GL, Inland Marine, Nonowned & Hired Auto, Workers’ Comp Carrier Status Non-admitted States Most States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States

R.V. Nuccio & Associates Inc.

Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Blanket Addt’l Insureds, Care/Custody/Control, CGL, Commercial Excess, Faulty Coverage, Inland Marine, Negative Film, Nonowned & Hired Auto, Props, Railroad Protective Liab, Sets, Theft, Wardrobe, Workers’ Comp Carrier Status Admitted States Most States

Professional Employer Organizations (PEO’s) Artex Risk Solutions Inc. Coverages WC - Master Policies/ASO, Workers’ Comp Carrier Status Admitted States Most States

Empire Underwriters LLC

Coverages Commercial Excess, GL, Property, USL&H, Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted, Non-admitted States Most 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 Risk Transfer Programs LLC Coverages E&O, EPLI, GL, Liability, Medical Malpractice, Professional Liab, Umbrella, WC - Buyback Policies, WC - Captive Placement, WC - Master Policies/ASO, Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States Most States U.S. Risk Insurance Group Inc. Coverages CGL, Crime, D&O, EPLI, Fiduciary Liab, Property, Workers’ Comp Carrier Status Non-admitted States Most States World Wide Specialty Programs Inc. Coverages Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, Care/Custody/Control, Cyber Liab, E&O, Employee Benefits, EPLI, Fidelity, Fidelity Bonds, GL, Identity Theft, Misc Professional Liab, Nonowned & Hired Auto, Professional Liab, Property, Sexual Misconduct Liab, Technology E&O, Umbrella, Workers’ Comp Carrier Status Admitted States All States

Professionals/Consultants/Contractors Access E&S Insurance Services (VA) Coverages Excess Liab, Pollution, Professional Liab Carrier Status Non-admitted States AR, DE, GA, IL, MD, NC, NJ, NY, OH, PA, SC, TN, TX, VA, DC CITA Ins. Services, Div of Brown & Brown Program Ins. Coverages BOP, D&O, E&O, EPLI, Fiduciary Liab, Professional Liab Carrier Status Non-admitted States All States Commercial Sector Insurance Brokers LLC Coverages CGL, Commercial Excess, Completed Operations Liab, E&O, Excess Liab, GL, Liability, Misc Professional Liab, Pollution Liab, Professional Liab, Umbrella Carrier Status Non-admitted States Most States Construction Insurance Partners Coverages Excess Liab, GL, Professional Liab, Umbrella, Workers’ Comp 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 J.M. Wilson Coverages CGL, E&O Carrier Status Non-admitted States AL, AR, GA, IA, IL, IN, KS, KY, MI, MO, NC, NE, OH, OK, PA, SC, TN, VA, WI, WV JLT Facilities Inc. Coverages Cyber Liab, E&O, GL, Liability, Misc Professional Liab, Professional Liab, Technology E&O Carrier Status Admitted States Most States Norman-Spencer International Inc. Coverages E&O, Professional Liab Carrier Status Admitted States Most States Philadelphia Insurance Companies Coverages BOP, Identity Theft, Misc Professional Liab Carrier Status Admitted States All States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most 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, Liability, Media Liab, Nonowned & Hired Auto, Products Liab, Professional Liab, Property, Technology E&O, Umbrella, Workers’ Comp Carrier Status Admitted States All States Sun Coast General Insurance Agency Coverages D&O, E&O, EPLI Carrier Status Admitted, Non-admitted States CA SURETY ONE Inc. Coverages Fidelity, Fidelity Bonds Carrier Status Admitted, Non-admitted States Most States

76 | INSURANCE JOURNAL-NATIONAL REGION December 7, 2015

US E&O Brokers Coverages Cyber Liab, E&O, Professional Liab Carrier Status Admitted, Non-admitted States Most States Western Surplus Lines Agency Inc. Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Commercial Excess, Inland Marine, Misc Professional Liab, Nonowned & Hired Auto, Pollution Liab Carrier Status Non-admitted States LA, ND, NM, OK, TX

Property Management Firms CID Insurance Programs Inc. Coverages BOP, D&O, E&O, EPLI, Fidelity Carrier Status Admitted, Non-admitted States AZ, CA, CO, MD, NE, NM, NV, OR, TN, TX, UT, WA Innovative Risk Solutions Coverages Dwelling Fire, E&O, Foreclosed Properties, Liability, Property, Rented Property Carrier Status Non-admitted States Most States Intercorp Inc. Coverages Professional Liab Carrier Status Admitted, Non-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, Identity Theft, Legal Expense Ins, Nonowned & Hired Auto, Personal Property, Professional Liab, Protection & Indemnity (P&I), Umbrella, Uninsured Motorists Carrier Status Admitted States All States Preferred Concepts LLC Coverages Auto Comm-Standard, Boiler & Machinery, CGL, Crime, Garage Keepers Legal Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States

Preferred Property Programs

Coverages Auto Comm-Standard, Boiler & Machinery, Business Interruption, CGL, Completed Operations Liab, Crime, Cyber Liab, E&O, EPLI, Excess Liab, Professional Liab, Property, Tenant Discrimination, Umbrella, Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States Most States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States Southwest Risk Coverages Builders Risk, CGL, Property, Umbrella Carrier Status Admitted, Non-admitted States All States

Property Managers Access E&S Insurance Services (CA) Coverages Cyber Liab, EPLI, GL, Professional Liab, Tenant Discrimination Carrier Status Admitted, Non-admitted States AZ, CA, CO, ID, NV, OR, TX, WA All Risks Ltd. Coverages Collateral Protection, Flood, GL, Mortgage Impairment Carrier Status Admitted, Non-admitted States Most States CIBA Insurance Services Coverages Apartment House Package, Boiler & Machinery, Builders Risk, Business Income, Crime, D&O, Earthquake, GL, Lessor Only Excess Liab, Liability, Property, Residential Property, Tenant Discrimination Carrier Status Non-admitted States Most States CID Insurance Programs Inc. Coverages E&O, EPLI, Fidelity, Workers’ Comp Carrier Status Admitted, Non-admitted States AZ, CA, CO, MD, NE, NM, NV, OR, TN, TX, UT, WA Fox Point Programs Coverages E&O, GL, Professional Liab Carrier Status Non-admitted States All States Indemnity Excess & Surplus Agency Inc. Coverages E&O, EPLI, Tenant Discrimination Carrier Status Admitted States Most States Intercorp Inc. Coverages Professional Liab Carrier Status Admitted, Non-admitted States Most States Johnson & Johnson Coverages Crime, Cyber Liab, E&O, EPLI, Fidelity Bonds, Kidnap/ Ransom, Professional Liab Carrier Status Non-admitted States Most States www.insurancejournal.com

2015 Annual Program Directory, Volume II King Insurance Support Systems Coverages D&O, Professional Liab Carrier Status Non-admitted States CA MAXIMUM Coverages Catastrophe, Earthquake, Flood, GL, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States New Empire Group Coverages Crime, Cyber Liab, E&O, EPLI, GL, Professional Liab Carrier Status Admitted States Most States Preferred Concepts LLC Coverages Auto Comm-Standard, Boiler & Machinery, CGL, Crime, Garage Keepers Legal Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States

Preferred Property Programs

Coverages Auto Comm-Standard, Business Interruption, CGL, Completed Operations Liab, Crime, Cyber Liab, E&O, EPLI, Equipment Breakdown, Fidelity, Liability, Nonowned & Hired Auto, Professional Liab, Property, Tenant Discrimination, Umbrella, Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States Most States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States Professional Ins. Concepts (fka Crump Prof. Concepts) Coverages E&O, Professional Liab Carrier Status Admitted States Most States RSI International (Missouri); dba Walter General Agency 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 US Assure Coverages GL, Rented Property, Renters Insurance, Residential Property Carrier Status Admitted States Most States

Public Entities Alliant Specialty Insurance Services Inc. Coverages Inland Marine, Property, Umbrella Carrier Status Non-admitted States All States American Public Risk Coverages Auto Comm-Standard, Boiler & Machinery, Cargo, Crime, Cyber Liability, D&O, Employee Benefits, EPLI, GL, Inland Marine, Police Professional Liability, Umbrella Carrier Status Admitted States IL, NC, NY, OH, PA, SC AmWINS Group Inc. - 80 Offices Nationwide Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Crime, Employee Benefits, EPLI, GL, Inland Marine, Police Professional Liab, Pollution Liab, Property, Public Officials, Umbrella Carrier Status Admitted, Non-admitted States Most States Apex Insurance Services Coverages Auto Comm-Standard Liability, CGL, Difference in Conditions, Equipment Breakdown, Excess Liab, Fidelity Bonds, Inland Marine, Police Professional Liab, Property, Public Officials Carrier Status Admitted, Non-admitted States Most States Euclid Architects & Engineers and Euclid Public Sector Coverages Boiler & Machinery, EPLI, Excess Liab, Garage Liability, GL, Inland Marine, Professional Liab, Property, Public Officials, Umbrella Carrier Status Admitted, Non-admitted States Most States Glatfelter Insurance Group Coverages Auto Comm-Standard, Crime, Excess Liab, GL, Inland Marine, Property, Public Officials Carrier Status Admitted States Most States Glatfelter Public Practice Coverages Auto Comm-Standard, Crime, Excess Liab, GL, Inland Marine, Property, Public Officials 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, Workers’ Comp Carrier Status Admitted States Most States Loveland & Smart Insurance Services Inc. Coverages Auto Comm-Standard Liability, Excess Liab, GL, Police Professional Liab, Public Officials, Workers’ Comp Carrier Status Admitted States AK, AZ, CA, CO, HI, NV, OR, WA

www.insurancejournal.com

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 Most States Midlands Coverages Excess Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States OneBeacon Government Risks Coverages Auto Comm-Standard, CGL, Employee Benefits, EPLI, Excess Liab, Fire, Police Professional Liab, Property, Public Officials 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, Business Interruption, CGL, Crime, Employee Benefits, Equipment Breakdown, Fire Legal Liab, GL, Identity Theft, Inland Marine, Nonowned & Hired Auto, Property, Real & Business Personal Prop, Umbrella, Uninsured Motorists Carrier Status Admitted States All States RPS Technology & Cyber Coverages Cyber Liab, Legal Expense Ins, Media Liab Carrier Status Admitted, Non-admitted States Most States SURETY ONE Inc. Coverages Fidelity, Fidelity Bonds, Public Officials Carrier Status Admitted, Non-admitted States Most States The McGowan Companies Coverages Commercial Excess, Umbrella Carrier Status Admitted States Most States Worldwide Facilities LLC Coverages Abuse & Molestation, Assault & Battery, CGL, Commercial Excess, D&O, Difference in Conditions, E&O, Educator Legal Liab, EPLI, Excess Liab, Liability, New Occurrence, Police Professional Liab, Pollution Liab, Professional Liab, Public Officials, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Publishers Professional Ins. Concepts (fka Crump Prof. Concepts) Coverages E&O, Professional Liab Carrier Status Admitted States Most States

Real Estate Agents & Brokers Construction Insurance Partners Coverages Excess Liab, GL, Professional Liab, Umbrella, Workers’ Comp States Most States CRES Insurance Services Coverages E&O, Workers’ Comp Carrier Status Admitted States AZ, CA, CO, CT, FL, GA, IL, IN, MA, MD, MI, MO, NC, NJ, NV, OH, OR, PA, SC, TN, TX, UT, VA, WA Fox Point Programs Coverages E&O, GL, Professional Liab Carrier Status Non-admitted States All States Herbert H. Landy Insurance Coverages BOP, E&O, Professional Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States Intercorp Inc. Coverages Professional Liab Carrier Status Admitted, Non-admitted States Most States King Insurance Support Systems Coverages Professional Liab, Property Carrier Status Admitted, Non-admitted States CA Lancer Indemnity Company Coverages Flood, GL, Property Carrier Status Admitted States NJ, NY, PA Logic Underwriters Inc. Coverages BOP, E&O Carrier Status Admitted, Non-admitted States TX Mercer Consumer, a svc of Mercer Health & Benefits Coverages Cyber Liab, Professional Liab Carrier Status Admitted, Non-admitted States Most States Norman-Spencer Agency Inc. Coverages E&O Carrier Status Admitted States All States Personal Safeguards Group LLC Coverages Product Extended Warranty, Service Contracts, Warranties, Extended Carrier Status Admitted States Most States

Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States Professional Ins. Concepts (fka Crump Prof. Concepts) Coverages E&O, Professional Liab Carrier Status Admitted States Most States RealCare Insurance Coverages E&O, Professional Liab Carrier Status Admitted States Most States RealProEandO Coverages Cyber Liab, E&O Carrier Status Admitted States Most States RPS - Executive Lines Division Coverages Crime, Cyber Liab, D&O, E&O, EPLI, Kidnap/Ransom Carrier Status Non-admitted States Most States 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 SURETY ONE Inc. Coverages Fidelity, Fidelity Bonds, Lost Note Bonds Carrier Status Admitted, Non-admitted States Most States TitlePac Inc. Coverages Cyber Liab, E&O, Fidelity Bonds, Misc Professional Liab, Professional Liab Carrier Status Admitted, Non-admitted States Most States Victor O. Schinnerer & Co. Coverages E&O, Professional Liab Carrier Status Admitted, Non-admitted States Most States

Real Estate Appraisers Fox Point Programs Coverages E&O, GL, Professional Liab Carrier Status Non-admitted States All States Herbert H. Landy Insurance Coverages BOP, E&O, Professional Liab, Workers’ Comp Carrier Status Admitted States Most States

Intercorp Inc.

Coverages BOP, Professional Liab Carrier Status Admitted, Non-admitted States Most States Mercer Consumer, a svc of Mercer Health & Benefits Coverages Cyber Liab, Professional Liab Carrier Status Admitted States Most States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States RealCare Insurance Coverages E&O, Professional Liab Carrier Status Admitted States AK, LA, NY RealProEandO Coverages Cyber Liab, E&O Carrier Status Admitted States Most States SURETY ONE Inc. Coverages Fidelity, Fidelity Bonds Carrier Status Admitted, Non-admitted States Most States Target Professional Programs Coverages E&O, Professional Liab Carrier Status Non-admitted States Most States TitlePac Inc. Coverages Cyber Liab, E&O, Fidelity Bonds, Misc Professional Liab, Professional Liab Carrier Status Admitted, Non-admitted States Most States

Real Estate Developers/Homebuilders Burns & Wilcox - All Offices Coverages CGL, Environmental Liab, Excess Liab, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States Construction Insurance Partners Coverages Excess Liab, GL, Professional Liab, Workers’ Comp States Most States Midlands Coverages Builders Risk, Contractors Equip Carrier Status Non-admitted States Most States

December 7, 2015 INSURANCE JOURNAL-NATIONAL REGION | N77

2015 Annual Program Directory, Volume II Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States Quaker Special Risk (Florida) Coverages Blanket Addt’l Insureds, Blanket Waivers, Builders Risk, CGL, Commercial Excess, Contractors Equip, GL, Liability, Umbrella Carrier Status Non-admitted States Most States Quaker Special Risk (Mass.)

Coverages Blanket Addt’l Insureds, Blanket Waivers, Builders Risk, CGL, Commercial Excess, Contractors Equip, GL, Liability, Umbrella Carrier Status Non-admitted States Most States Quaker Special Risk (New Jersey) Coverages Blanket Addt’l Insureds, Blanket Waivers, Builders Risk, CGL, Commercial Excess, Contractors Equip, GL, Liability, Umbrella Carrier Status Non-admitted States Most States Quaker Special Risk (New York) Coverages Blanket Addt’l Insureds, Blanket Waivers, Builders Risk, CGL, Commercial Excess, Contractors Equip, GL, Liability, Umbrella 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 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, Windstorm States Most States

Recording Studios All Risks Ltd. Coverages Excess Liab, GL, Inland Marine, Nonowned & Hired Auto, Workers’ Comp Carrier Status Non-admitted States Most States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States

Records Storage & Info Mgmt Brightstone Insurance Services LLC 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, Nonowned & Hired Auto, Property, Umbrella, Workers’ Comp Carrier Status Admitted States Most States

Recycling Centers All Risks Ltd. Coverages Excess Liab, GL, Professional Liab, Workers’ Comp Carrier Status Admitted States Most States AmWINS Group Inc. - 80 Offices Nationwide Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Environmental Liab, GL, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States AmWINS Program Underwriters Coverages Auto Comm-Standard, Auto Comm-Standard Phys Dmg, Environmental Liab, GL, Pollution, Umbrella, Workers’ Comp States Most States Apollo General Ins. Agency Inc. Coverages Auto Comm-Standard, CGL, Commercial Excess, Contractors Equip, Environmental Liab, Pollution, Pollution Liab, Transportation Pollution Liab Carrier Status Admitted States Most States Berkley Specialty Underwriting Mgrs - Environmental Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Blanket Addt’l Insureds, Blanket Waivers, CGL, Commercial Excess, Employee Benefits, Environmental Liab, Pollution, Pollution Liab, Umbrella, Uninsured Motorists, Uninsured Personal Injury, USL&H, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States Willis Programs Coverages Auto Comm-Standard, Crime, Environmental Liab, Equipment Breakdown, GL, Inland Marine, Pollution, Professional Liab, Property, Umbrella Carrier Status Admitted States All States

Registered Investment Advisors

Resorts

CalSurance Assoc, Div of Brown & Brown Program Ins. Coverages BOP, E&O, Professional Liab Carrier Status Non-admitted States Most States CITA Ins. Services, Div of Brown & Brown Program Ins. Coverages Misc Professional Liab, Professional Liab States Most States Fox Point Programs Coverages E&O, Professional Liab States Most States ProSurance Group Inc. Coverages Crime, E&O, Fidelity, Fidelity Bonds, Professional Liab Carrier Status Admitted, Non-admitted States Most States

Burns & Wilcox - All Offices Coverages Auto Comm-Standard, CGL, Crime, D&O, EPLI, Equipment Breakdown, Excess Liab, GL, Inland Marine, Pool & Spa Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States CITA Ins. Services, Div of Brown & Brown Program Ins. Coverages Auto Comm-Standard, CGL, Commercial Excess, Crime, Garage Keepers Legal Liab, Liquor Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States Insurance Programs of America Inc. Coverages Abuse & Molestation, Assault & Battery, Boiler & Machinery, Catastrophe, CGL, Crime, EPLI, Flood, Food Spoilage, Garage Keepers Legal Liab, Garage Liability, GKLL, GL, Hail, Liability, Property, Spoilage, Windstorm, Workers’ Comp Carrier Status Non-admitted States Most States MexiPass International Insurance Services LLC Coverages Int’l Coverage - Commercial, Int’l Coverage - Personal Carrier Status Admitted States All States

Residential Care Centers 5Star Paratransit Program Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, EPLI, Excess Liab, GL, Medical Payments, Physical Damage, Umbrella, Uninsured Motorists Carrier Status Admitted States Most States AFC Insurance Coverages Abuse & Molestation, Accident & Health, Auto CommStandard, CGL, COC, Crime, D&O, Developmental Disabilities, Inland Marine, Mental Health Care, Misc Professional Liab, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States Irwin Siegel Agency Inc. Coverages Abuse & Molestation, Auto Comm-Standard, Boiler & Machinery, Business Income, Crime, D&O, Excess Liab, GL, Inland Marine, Professional Liab, Property Carrier Status Admitted States Most States Markel Specialty Coverages Abuse & Molestation, Accident & Health, Auto Commer-Standard, Boiler & Machinery, Business Income, CGL, Crime, Employee Benefits, Fine Arts, Inland Marine, Liability, Nonowned & Hired Auto, Professional Liab, Property, Sexual Misconduct Liab, Umbrella Carrier Status Admitted States All States except HI Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States RPS NIPC Coverages Auto Comm-Standard, CGL, D&O, Employee Benefits, Excess Liab, Nonowned & Hired Auto, Professional Liab, Property, Sexual Misconduct Liab Carrier Status Admitted, Non-admitted States Most States

Residential Subcontractors Applied Underwriters Inc. Coverages EPLI, Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States Most States Horizon Risk Insurance Services Inc. Coverages Auto Comm-Standard, COC, Equipment, Liability, Property Carrier Status Admitted, Non-admitted States AZ, CA, NV, WA Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States Quaker Special Risk (Florida) Coverages CGL, Commercial Excess, GL, Liability, Umbrella Carrier Status Non-admitted States Most States Quaker Special Risk (Mass.)

Coverages CGL, Commercial Excess, GL, Liability, Umbrella Carrier Status Non-admitted States Most States Quaker Special Risk (New Jersey) Coverages CGL, Commercial Excess, GL, Liability, Umbrella Carrier Status Non-admitted States Most States Quaker Special Risk (New York) Coverages CGL, Commercial Excess, GL, Liability, Umbrella 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 US Assure Coverages Builders Risk, COC, Contractors Equip, Installation Floaters, Theft Carrier Status Admitted States Most States

78 | INSURANCE JOURNAL-NATIONAL REGION December 7, 2015

Philadelphia Insurance Companies

Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Boiler & Machinery, Business Income, Business Interruption, Care/Custody/Control, CGL, Crime, D&O, Earthquake, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, Flood, Garage Keepers Legal Liab, GL, Identity Theft, Inland Marine, Liquor Liab, Nonowned & Hired Auto, Property, Real & Business Personal Prop, Sexual Misconduct Liab, Tee-to-Green, Umbrella, Uninsured Motorists Carrier Status Admitted States All States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States Willis Programs Coverages Auto Comm-Standard, Crime, Equipment Breakdown, GL, Inland Marine, Property, Umbrella Carrier Status Admitted States Most States

Restaurants 5Star D&O Program Coverages D&O, EPLI, Fiduciary Liab Carrier Status Admitted States Most States Advanced E&S Group - Midwest Region Coverages Assault & Battery, Boiler & Machinery, Business Income, Business Interruption, Care/Custody/Control, CGL, Crime, Equipment Breakdown, Fine Arts, Fire, Food Spoilage, GL, Glass, Inland Marine, Legal Liab, Liability, Liquor Liab, Nonowned & Hired Auto, Personal Property, Products Liab, Property, Real & Business Personal Prop, Spoilage, Theft, Umbrella Carrier Status Admitted, Non-admitted States CT, FL, IA, IL, IN, KS, KY, MI, MN, MO, NE, NJ, NY, OH, PA, VA, WI American Underwriting Managers Coverages Business Income, CGL, Food Spoilage, Liquor Liab, Property, Umbrella, Windstorm Carrier Status Non-admitted States AR, LA, NM, TX Anchor Bay Insurance Managers Inc. Coverages Assault & Battery, Food Borne Illness, Food Spoilage, GL, Liquor Liab, Property Carrier Status Non-admitted States AK, CO, OR, WA Appleby & Sterling Coverages Boiler & Machinery, GL, Property Carrier Status Admitted States AZ, CA, NV Atlas General Insurance Services Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States MO, MS, NY, TX Bass Underwriters Coverages Excess Liab, GL, Liquor Liab, Property Carrier Status Non-admitted States AL, AR, AZ, CA, CT, FL, GA, LA, MA, ME, MS, NC, NJ, NV, NY, OH, OK, OR, PA, RI, SC, TN, TX, VA Brecht & Associates Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Business Interruption, CGL, Commercial Excess, GL, Liquor Liab, Property, Umbrella Carrier Status Non-admitted States TX Burns & Wilcox - All Offices Coverages CGL, Excess Liab, Inland Marine, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States

www.insurancejournal.com

2015 Annual Program Directory, Volume II Continental Brokers Inc. Coverages Accident & Health, Accidental Death, Assault & Battery, Auto Comm-Standard, Auto Comm-Standard Liability, Auto Pers-Standard, Boiler & Machinery, BOP, Builders Risk, Business Income, Business Interruption, Commercial Marine, Container Refrigeration Break, Crime, EPLI, Fire Legal Liab, Flood, Food Borne Illness, Food Spoilage, Glass, Inland Marine, Property Carrier Status Admitted States Most States CRES Insurance Services Coverages GL, Liquor Liab Carrier Status Admitted States CA Gabor Insurance Services Inc. Coverages Boiler & Machinery, Business Income, Crime, EPLI, Equipment Breakdown, Liability, Liquor Liab, Personal Property, Umbrella Carrier Status Non-admitted States FL HCC Specialty (MA) Coverages Accident & Sickness, Addt’l Expense, Business Interruption, EPLI, Food Borne Illness Carrier Status Admitted, Non-admitted States Most States

Insurance Programs of America Inc.

Coverages Abuse & Molestation, Assault & Battery, Catastrophe, CGL, Earthquake, Equipment Breakdown, Excess Liab, Food Spoilage, Garage Keepers Legal Liab, Garage Liability, GKLL, GL, Hail, Medical Payments, Property, Spoilage, Theft, Umbrella, Windstorm, Workers’ Comp Carrier Status Non-admitted States Most States International Excess Companies Coverages Assault & Battery, Boiler & Machinery, BOP, Builders Risk, Business Income, Business Interruption, CGL, Commercial Excess, Completed Operations Liab, Crime, Cyber Liab, EPLI, Equipment Breakdown, Excess Liab, Fire, Food Borne Illness, Food Spoilage, GL, Liability, Personal Property, Products Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States Izzo Insurance Services Inc. Coverages Blanket Waivers, Workers’ Comp Carrier Status Admitted States Most States Lancer Indemnity Company Coverages Flood, GL, Property Carrier Status Admitted States NJ, NY, PA M.J. Hall & Company Inc. Coverages Business Income, CGL, Crime, Employee Benefits, EPLI, Equipment Breakdown, Excess Liab, GKLL, Liquor Liab, Property Carrier Status Admitted, Non-admitted States AK, AZ, CA, HI, NV M.J. Kelly Company Coverages Business Income, CGL, Commercial Excess, EPLI, Equipment Breakdown, Food Spoilage, GL, Liability, Liquor Liab, Property, Umbrella States AR, CO, FL, IA, ID, IL, KS, MO, MS, MT, NM, OK, TN, TX, UT MarketScout Coverages Assault & Battery, Business Income, Business Interruption, CGL, Equipment Breakdown, Fire Legal Liab, Food Spoilage, GL, Inland Marine, Liquor Liab, Nonowned & Hired Auto, Property Carrier Status Admitted States Most 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 McLeckie Insurance Group Coverages Business Income, CGL, Crime, EPLI, Food Borne Illness, Liquor Liab, Property Carrier Status Non-admitted States All States N-Surance Outlets Inc. (Florida) Coverages Assault & Battery, Business Income, Fire Legal Liab, Food Spoilage, Liability, Liquor Liab, Medical Payments, Property Carrier Status Non-admitted States AL, FL, GA, LA, TN N-Surance Outlets Inc. (Georgia) Coverages Business Income, Excess Liab, Liability, Liquor Liab, Property Carrier Status Admitted, Non-admitted States GA, LA, TN National Insurance Underwriters Coverages Business Income, Crime, Employee Benefits, EPLI, Equipment, Equipment Breakdown, Fire Legal Liab, Food Spoilage, GL, Glass, Inland Marine, Liquor Liab, Nonowned & Hired Auto, Personal Property, Umbrella Carrier Status Admitted, Non-admitted States AL, AR, AZ, CO, FL, GA, IL, LA, MD, MO, MS, NC, NJ, NV, OH, OK, PA, SC, TN, TX, VA Next Wave Insurance Services LLC Coverages Crime, GL, Liquor Liab, Property, Workers’ Comp Carrier Status Admitted States Most States www.insurancejournal.com

Number One Insurance Agency Coverages Excess Liab, Flood, GL, Liquor Liab, Property Carrier Status Admitted States MA Platinum Program Managers & Insurance Services Inc. Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States AK, AZ, CA, CO, ID, MT, NM, NV, OR, UT PMC Insurance Group Coverages Workers’ Comp Carrier Status Admitted States Most States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States Professional Liability Ins Svcs - Underwriting Facilities Coverages Business Interruption, EPLI, Food Borne Illness Carrier Status Non-admitted States Most States RISCO Insurance Brokerage Inc. Coverages CGL, Crime, Employee Benefits, Liquor Liab, Mechanical Breakdown, Property Carrier Status Non-admitted States CT, MA, ME, NH, NY, RI RoamNet Insurance Marketing Programs Coverages BOP, EPLI, Fire Legal Liab, GL, Workers’ Comp Carrier Status Admitted States AZ, CA, CO, GA, IL, NM, NV, OR, TX, UT, WA Roush Insurance Services Inc. Coverages Blanket Addt’l Insureds, Boiler & Machinery, Business Income, Business Interruption, CGL, Commercial Excess, Crime, D&O, Equipment Breakdown, Excess Liab, Fire, Fire Legal Liab, Food Spoilage, GL, Glass, Inland Marine, Liability, Liquor Liab, Medical Payments, Products Liab, Property, Real & Business Personal Prop, Spoilage, Theft, Umbrella Carrier Status Admitted, Non-admitted States IL, IN, OH RSI International (Missouri); dba Walter General Agency Coverages Assault & Battery, Blanket Addt’l Insureds, Blanket Waivers, Boiler & Machinery, Builders Risk, Business Income, Business Interruption, CGL, Commercial Excess, Completed Operations Liab, Difference in Conditions, Employee Benefits, EPLI, Equipment Breakdown, Excess Liab, Fiduciary Liab, Fire, Food Spoilage, GL, Inland Marine, Liability, Liquor Liab, Medical Payments, Products Liab, Property, Umbrella Carrier Status Nonadmitted States AR, IA, ID, IL, IN, KS, KY, MO, OK, TN Scottish American Coverages Assault & Battery, Boiler & Machinery, Business Income, CGL, Excess Liab, Liquor Liab States CA South Texas General Insurance Agency Coverages CGL, Liquor Liab, Property Carrier Status Non-admitted States TX Specialty Insurance Coverages Assault & Battery, Boiler & Machinery, Business Income, Business Interruption, Care/Custody/Control, CGL, Completed Operations Liab, Crime, Employee Benefits, Equipment Breakdown, Fire, Fire Legal Liab, Food Spoilage, Garage Liability, GKLL, GL, Glass, Liability, Liquor Liab, Medical Payments, Nonowned & Hired Auto, Products Liab, Property, Spoilage, Theft, Umbrella Carrier Status Admitted States Many 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 Tejas American General Agency Coverages GL, Liquor Liab, Property Carrier Status Admitted, Non-admitted States TX The McGowan Companies Coverages Commercial Excess, Umbrella Carrier Status Admitted States Most States UCA General Insurance Services Coverages Business Income, CGL, EPLI, Equipment Breakdown, Fire Legal Liab, Liquor Liab, Medical Payments, Nonowned & Hired Auto, Property, Umbrella Carrier Status Admitted States AZ, CA, ID, IL, NV, OR, UT, WA, WI Unifax Insurance Systems Inc. Coverages GL, Liquor Liab, Property Carrier Status Admitted States CA Vilage & Company LLC Coverages CGL, Umbrella Carrier Status Admitted, Non-admitted States Most States

Retail Stores 5Star Business Auto Program (Misc. classes) Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg Carrier Status Admitted States Most States 5Star D&O Program Coverages D&O, EPLI, Fiduciary Liab Carrier Status Admitted States Most States Advanced E&S Group - Midwest Region Coverages Business Income, Business Interruption, CGL, Fire, GL, Glass, Liability, Property, Real & Business Personal Prop, Theft Carrier Status Admitted, Non-admitted States IA, IL, IN, KS, KY, MI, MN, MO, NE, NJ, NY, OH, PA, VA, WI Atlas General Insurance Services Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States Most States Lancer Indemnity Company Coverages Flood, GL, Property Carrier Status Admitted States NJ, NY, PA 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 CA N-Surance Outlets Inc. (Florida) Coverages Business Income, Fire Legal Liab, Liability, Medical Payments, Property Carrier Status Non-admitted States AL, FL, GA, LA, TN N-Surance Outlets Inc. (Georgia) Coverages Business Income, Liability, Property Carrier Status Admitted, Non-admitted States GA, LA, TN Personal Safeguards Group LLC Coverages Product Extended Warranty, Service Contracts, Warranties, Extended Carrier Status Admitted States Most States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States Rockwood Programs Inc. Coverages Cyber Liab, EPLI, Professional Liab Carrier Status Admitted, Non-admitted States Most States Roush Insurance Services Inc. Coverages Auto Comm-Nonstandard, Boiler & Machinery, Business Income, Business Interruption, CGL, Commercial Excess, Crime, D&O, Excess Liab, Fine Arts, Fire, Fire Legal Liab, Food Spoilage, GL, Glass, Inland Marine, Liability, Liquor Liab, Mechanical Breakdown, Medical Payments, Nonowned & Hired Auto, Products Liability, Property, Theft, Umbrella Carrier Status Admitted, Non-admitted States IL, IN, OH South Texas General Insurance Agency Coverages CGL, Property Carrier Status Non-admitted States TX UCA General Insurance Services Coverages Business Income, CGL, EPLI, Equipment Breakdown, Fire Legal Liab, Medical Payments, Nonowned & Hired Auto, Property, Umbrella Carrier Status Admitted States AZ, CA, ID, IL, NV, OR, UT, WA, WI Unifax Insurance Systems Inc. Coverages GL, Property Carrier Status Admitted States CA

Roller Skating Rinks HCC Specialty (MA) Coverages CGL, Property Carrier Status Non-admitted States Most States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States

RV Dealerships All Risks Ltd. Coverages Physical Damage, Workers’ Comp Carrier Status Non-admitted States Most States DMI Insurance Services Coverages Business Income, Crime, Dealers Open Lot, Employee Benefits, Equipment Breakdown, Fire, Fire Legal Liab, Garage Keepers Legal Liab, Garage Liability, Inland Marine, NonTrucking Auto Liab, Physical Damage, Products Liab, Property, Real & Business Personal Prop, Tools & Equip, Uninsured Motorists Carrier Status Admitted States Most States

December 7, 2015 INSURANCE JOURNAL-NATIONAL REGION | N79

2015 Annual Program Directory, Volume II MAXIMUM Coverages Auto Comm-Nonstandard Phys Dmg, Boiler & Machinery, Builders Risk, Business Income, Business Interruption, Catastrophe, Excess Flood, Flood, GL, Hail, Hurricane, Inland Marine, Property, Theft, Umbrella Carrier Status Admitted, Non-admitted States Most States MBA Insurance Agency of AZ Inc. Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg Carrier Status Non-admitted States Most States Platinum Program Managers & Insurance Services Inc. Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States AK, AZ, CA, CO, ID, MT, NM, NV, OR, UT Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States V3 Insurance Partners LLC Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Business Income, Business Interruption, Crime, Dealers Open Lot, E&O, Fire Legal Liab, Garage Keepers Legal Liab, Garage Liability, GKLL, Inland Marine, Property, Uninsured Motorists Carrier Status Admitted States Most States Victor O. Schinnerer & Co. Coverages D&O, Dealers Open Lot, EPLI, Fiduciary Liab, Garage Keepers Legal Liab, Garage Liability, GL, Pollution Liab, Property Carrier Status Admitted, Non-admitted States Most States

Williams & Stazzone Insurance Agency Inc.

Coverages Crime, Dealers Open Lot, EPLI, Garage Keepers Legal Liab, Garage Liability, Property, Umbrella Carrier Status Admitted States Most States

RV Parks Philadelphia Insurance Companies Coverages CGL, Property Carrier Status Admitted States All States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States

Scaffold Erectors Ascinsure Specialty Risk

Coverages Auto Comm-Standard, Crime, GL, Inland Marine, Liability, Property, Umbrella, Workers’ Comp States Most States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States

School Busing Firms 5Star Contract School Bus Program Coverages Auto Comm-Standard Liability, EPLI, GL, Nonowned & Hired Auto, Physical Damage, Umbrella, Workers’ Comp Carrier Status Admitted States Most States Gerald J. Wilkoff Inc. Coverages Contractors License Bonds, Crime, Fidelity, Fidelity Bonds, Performance & Payment Bonds Carrier Status Admitted States Most States Glatfelter Public Practice Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Commercial Excess, Crime, Employee Benefits, Equipment Breakdown, GL, Inland Marine, Property Carrier Status Admitted States CO, CT, DE, MA, MD, ME, MI, NH, NJ, NY, OH, PA, VA, VT National Interstate Insurance Company Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, GL Carrier Status Admitted States Most States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States

Schools-Public/Private ACE Commercial Risk Services - Programs Coverages Abuse & Molestation, Auto Comm-Standard, Inland Marine, Liability, Property Carrier Status Admitted States PA AMIS/Alliance Marketing & Insurance Services Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, BOP, Liability, Property, Workers’ Comp States Most States Apex Insurance Services Coverages Abuse & Molestation, Auto Comm-Standard, Commercial Excess, Crime, Educator Legal Liab, GL, Inland Marine, Police Professional Liab, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States Charity First Insurance Services Inc. Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, Boiler & Machinery, Business Income, Crime, EPLI, Equipment Breakdown, Inland Marine, Non-Profit D&O, Property, Umbrella, Workers’ Comp Carrier Status Admitted States Most States Glatfelter Insurance Group Coverages Auto Comm-Nonstandard, Crime, Environmental Liab, GL, Inland Marine, Property, Student Accident, Umbrella, Workers’ Comp Carrier Status Admitted States Most States Glatfelter Public Practice Coverages Auto Comm-Standard, Environmental Liab, EPLI, GL, Inland Marine, Property, Student Accident, Umbrella, Workers’ Comp Carrier Status Admitted States Most States Markel Specialty Coverages Auto Comm-Standard, CGL, Crime, Cyber Liab, Educator Legal Liab, Inland Marine, Property, Umbrella, Workers’ Comp Carrier Status Admitted States Most States Nonprofits Insurance Alliance of Calif.

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, Inland Marine, Mechanical Breakdown, Misc Professional Liab, Non-Profit D&O, Nonowned & Hired Auto, Sexual Misconduct Liab, Umbrella, Uninsured Motorists Carrier Status Non-admitted States CA Philadelphia Insurance Companies Coverages Abuse & Molestation, Auto Comm-Standard Liab & Phys Dmg, Boiler & Machinery, CGL, Crime, D&O, Earthquake, Educator Legal Liab, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, Flood, GL, Identity Theft, Nonowned & Hired Auto, Property, Real & Business Personal Prop, Sexual Misconduct Liab, Umbrella, Uninsured Motorists Carrier Status Admitted States All States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States The McGowan Companies Coverages Commercial Excess, Excess Liab, Umbrella Carrier Status Admitted, Non-admitted States Most States Western Security Surplus Insurance Brokers Inc. Coverages Abuse & Molestation, Business Income, CGL, Fire Legal Liab, GL, Liability, Medical Payments, New Occurrence Carrier Status Admitted, Non-admitted States CA, TX

Scrap Dealers All Risks Ltd. Coverages Excess Liab, GL, Professional Liab, Workers’ Comp Carrier Status Admitted States Most States Berkley Specialty Underwriting Mgrs - Environmental Coverages Auto Comm-Standard Liability & Phys Dmg, Blanket Addt’l Insureds, Blanket Waivers, CGL, Commercial Excess, E&O, Employee Benefits, Environmental Liab, Excess Liab, GL, Int’l Coverage - Commercial, Pollution, Pollution Liab, Professional Liability, Railroad Protective Liability, Umbrella, WC Carrier Status Admitted, Non-admitted States Most States G.J. Sullivan Company (Orange) Coverages Auto Comm-Standard Liability & Phys Dmg, Business Income & Interruption, CGL, Crime, Employee Benefits, EPLI, Equipment, Fidelity, Fire, Fire Legal Liab, Garage Keepers Legal Liab, Garage Liability, GL, Inland Marine, Motor Truck Cargo, Nonowned & Hired Auto, On-Hook Cargo, Physical Damage, Property, Real & Business Personal Prop, Theft, Tools & Equip, Umbrella, Uninsured Motorists, Workers’ Comp Carrier Status Admitted States Most States

80 | INSURANCE JOURNAL-NATIONAL REGION December 7, 2015

Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States

Securities Brokers/Dealers American Professional Liability Underwriters Inc. Coverages D&O, EPLI, Professional Liab Carrier Status Nonadmitted States AL, FL, GA, MI, MS, NC, NY, TX CalSurance Assoc, Div of Brown & Brown Program Ins. Coverages E&O, Professional Liab Carrier Status Non-admitted States Most States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States SURETY ONE Inc. Coverages Fidelity, Fidelity Bonds Carrier Status Admitted, Non-admitted States Most States

Security Guard Firms All Risks Ltd. Coverages Assault & Battery, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Care/Custody/Control, Crime, Excess Liab, GL, Inland Marine, Lost Key, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Non-admitted States Most States AMIS/Alliance Marketing & Insurance Services Coverages E&O, Liability Carrier Status Non-admitted States Most States Brownyard Group Coverages Assault & Battery, Auto Comm-Standard, Blanket Addt’l Insureds, Business Interruption, Care/Custody/Control, CGL, Commercial Excess, Crime, E&O, Fidelity, GL, Inland Marine, Liability, Lost Key, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States Brownyard Programs Ltd. Coverages Assault & Battery, Blanket Addt’l Insureds, CGL, E&O, Excess Liab, Fidelity Bonds, Lost Key, Umbrella, Workers’ Comp Carrier Status Non-admitted States Most States Burns & Wilcox - All Offices Coverages CGL, Excess Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States Costanza Insurance Agency Inc. Coverages Auto Comm-Standard, Crime, E&O, EPLI, Excess Liab, GL, Professional Liab, Umbrella, Workers’ Comp States All States Izzo Insurance Services Inc. Coverages Auto Comm-Standard, Blanket Addt’l Insureds, Crime, E&O, EPLI, Excess Liab, Fidelity Bonds, GL, Performance & Payment Bonds, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States 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 CommStandard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, D&O, E&O, Personal Liab, Professional Liab Carrier Status Admitted States All States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States SURETY ONE Inc. Coverages Fidelity, Fidelity Bonds Carrier Status Admitted, Non-admitted States Most States

The Mechanic Group Inc.

Coverages CGL, Commercial Excess, Contractors License Bonds, D&O, E&O, Liability, Umbrella, Workers’ Comp Carrier Status Non-admitted States Most States USG Insurance Services Inc. Coverages CGL, Excess Liab, Professional Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States

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2015 Annual Program Directory, Volume II Self-Storage Facilities All Risks Ltd. Coverages Business Income, CGL, Earthquake, Employee Benefits, Excess Liab, Flood, GL, Identity Theft, Nonowned & Hired Auto, Pollution Liab, Property, Umbrella, Windstorm, Workers’ Comp Carrier Status Non-admitted States Most States CIBA Insurance Services Coverages Boiler & Machinery, Builders Risk, Business Income, Crime, Earthquake, GL, Lessor Only Excess Liab, Liability, Property Carrier Status Non-admitted States Most States GMI Insurance Services Coverages Auto Comm-Standard, Auto Comm-Standard Liability Carrier Status Admitted States Most States Insurance Programs of America Inc. Coverages Catastrophe, Property, Windstorm Carrier Status Non-admitted States Most States MiniCo Insurance Agency LLC Coverages Boiler & Machinery, BOP, Business Income, CGL, COC, Crime, Earthquake, Employee Benefits, EPLI, Extended Business, Fire, GL, Legal Liab, Liability, Medical Payments, Nonowned & Hired Auto, Personal Liab, Pollution, Products Liab, Property, Theft, Umbrella, Windstorm Carrier Status Admitted States Most States Safehold Special Risk Coverages Boiler & Machinery, BOP, Builders Risk, Business Income, Catastrophe, CGL, D&O, E&O, Environmental Liab, EPLI, Equipment, Equipment Breakdown, GL, Hail, Liability, Mechanical Breakdown, Misc Professional Liab, Nonowned & Hired Auto, Pollution, Pollution Liab, Property, Tools & Equip, Umbrella, Workers’ Comp Carrier Status Admitted States Most States Universal Insurance Programs Coverages Pollution, Pollution Liab Carrier Status Non-admitted States Most States

Service Stations All Risks Ltd. Coverages Employee Benefits, GL, Liquor Liab, Nonowned & Hired Auto, Property, Workers’ Comp Carrier Status Non-admitted States Most States Lancer Insurance Company Coverages Garage Keepers Legal Liab, Garage Liability, GKLL Carrier Status Admitted, Non-admitted States NJ, NY Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States RoamNet Insurance Marketing Programs Coverages BOP, EPLI, Fire Legal Liab, Garage Keepers Legal Liab, GL, Glass, Tools & Equip, Workers’ Comp Carrier Status Admitted States AZ, CA, CO, GA, IL, MA, ME, MI, NH, NJ, NV, NY, OR, PA, TX, UT, VA, WA

Ship Repairers/Marine Artisan Contractor All Risks Ltd. Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Builders Risk, Bumbershoot, Cargo, GL, MEL, Property, Umbrella, USL&H, Workers’ Comp Carrier Status Non-admitted States Most States Atlass Insurance Group Coverages Business Income, CGL, Equipment, Excess Liab, Property, Ship Repairers Legal, Watercraft Liab Carrier Status Admitted, Non-admitted States Most States LIG Marine Managers Coverages Care/Custody/Control, CGL, Commercial Marine, Completed Operations Liab, Equipment, Excess Liab, Hull, Legal Liab, Products Liab, Protection & Indemnity (P&I), Ship Repairers Legal, Tools & Equip, Umbrella, USL&H, Workers’ Comp Carrier Status Admitted States All States Maritime Program Group Coverages GL, Marina Operators Legal, Property, Protection & Indemnity (P&I), Ship Repairers Legal Carrier Status Admitted States All States Safehold Special Risk Coverages Contractors Equip, Environmental Liab, Equipment, Equipment Breakdown, GL, Inland Marine, Physical Damage, Pollution Liab, Property, Protection & Indemnity (P&I), Umbrella, USL&H, Workers’ Comp Carrier Status Admitted States Most States www.insurancejournal.com

Specialized Insurance Coverages CGL, Commercial Marine, GL, Marina Operators Legal Carrier Status Admitted, Non-admitted States FL, NY, PA The American Equity Underwriters Inc. Coverages Blanket Addt’l Insureds, Blanket Waivers, Care/ Custody/Control, Commercial Marine, Contractors Equip, Excess Liab, Federal LHWCA, Hull, Int’l Coverage - Commercial, Pollution Liab, Protection & Indemnity (P&I), Ship Repairers Legal, Umbrella, USL&H Carrier Status Admitted States All States The Hanover Insurance Group Coverages GL, Marina Operators Legal, Protection & Indemnity (P&I) Carrier Status Admitted States Most States

Ship Yards All Risks Ltd. Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Builders Risk, Bumbershoot, Cargo, GL, MEL, Property, Umbrella, USL&H, Workers’ Comp Carrier Status Non-admitted States Most States Atlass Insurance Group Coverages Business Interruption, CGL, Equipment, Excess Liab, Piers & Docks, Property, Ship Repairers Legal, Watercraft Liab Carrier Status Admitted, Non-admitted States Most States LIG Marine Managers Coverages CGL, Completed Operations Liab, Equipment, Hail, Products Liab, Protection & Indemnity (P&I), Ship Repairers Legal, Umbrella, USL&H, Workers’ Comp Carrier Status Admitted States All States Safehold Special Risk Coverages CGL, Equipment, Equipment Breakdown, GL, Inland Marine, Marina Operators Legal, Nonowned & Hired Auto, Physical Damage, Property, Protection & Indemnity (P&I), Ship Repairers Legal, Umbrella, Workers’ Comp Carrier Status Admitted States Most States The American Equity Underwriters Inc. Coverages Blanket Addt’l Insureds, Blanket Waivers, Care/ Custody/Control, Commercial Marine, Contractors Equip, Excess Liab, Federal LHWCA, Hull, Pollution Liab, Protection & Indemnity (P&I), Ship Repairers Legal, Umbrella, USL&H Carrier Status Admitted States All States

Shooting Ranges 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, Identity Theft, Legal Expense Ins, Nonowned & Hired Auto, Personal Property, Professional Liab, Protection & Indemnity (P&I), Umbrella, Uninsured Motorists Carrier Status Admitted States All States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States

Shopping Centers Advanced E&S Group - Midwest Region Coverages Business Income, Business Interruption, CGL, Fire, GL, Glass, Liability, Property, Real & Business Personal Prop, Theft Carrier Status Admitted, Non-admitted States CT, FL, IA, IL, IN, KS, KY, MI, MN, MO, NE, OH, WI Appleby & Sterling Coverages GL, Property Carrier Status Admitted States AZ, CA, NV Construction Insurance Partners Coverages Excess Liab, GL, Professional Liab, Residential `wrapup`, Umbrella, Workers’ Comp States Most States Continental Brokers Inc. Coverages BOP, D&O, Flood, Lessors Contingent Liab, Liability, Property Carrier Status Admitted States Most States Crusader Insurance Company Coverages GL, Property Carrier Status Admitted States CA Horizon Risk Insurance Services Inc. Coverages Liability, Property Carrier Status Non-admitted States AZ, CA, NV Lancer Indemnity Company Coverages Flood, GL, Property Carrier Status Admitted States NJ, NY, PA

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, 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 States All States Preferred Concepts LLC Coverages Auto Comm-Standard, Boiler & Machinery, CGL, Crime, Garage Keepers Legal Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States Preferred Property Programs Coverages Equipment Breakdown, Excess Liab, Lessor Only Excess Liab, Mechanical Breakdown, Umbrella Carrier Status Admitted States Most States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States UCA General Insurance Services Coverages Business Income, CGL, EPLI, Equipment Breakdown, Fire Legal Liab, Medical Payments, Nonowned & Hired Auto, Property, Umbrella Carrier Status Admitted States AZ, CA, ID, IL, NV, OR, UT, WA, WI

Shuttle Service-Non Emergency Medical 5Star Paratransit Program Coverages Auto Comm-Standard Liability, Excess Liab, GL, Physical Damage, Umbrella Carrier Status Admitted States Most States 5Star Public Auto Program Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Cargo, EPLI, Excess Liab, Nonowned & Hired Auto, Pollution Liab, Umbrella, Uninsured Motorists, Workers’ Comp Carrier Status Admitted States Most States All Risks Ltd. Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Excess Liab, GL, Physical Damage, Professional Liab, Workers’ Comp Carrier Status Admitted States Most States Irwin Siegel Agency Inc. Coverages Abuse & Molestation, Auto Comm-Standard, Boiler & Machinery, Business Income, Crime, D&O, EPLI, Excess Liab, Garage Liability, GKLL, GL, Glass, Inland Marine, Nonowned & Hired Auto, Property, Umbrella Carrier Status Admitted States Most States National Interstate Insurance Company Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, GL Carrier Status Admitted States Most States

Prime Insurance Company

Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States Western Experts in Transportation Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg Carrier Status Admitted States Most States

Shuttle Services 5Star Public Auto Program Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Cargo, EPLI, Excess Liab, GL, Physical Damage, Pollution Liab, Umbrella, Workers’ Comp Carrier Status Admitted States Most States Align General Insurance Agency LLC Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Excess Liab, GL, Property Carrier Status Admitted States AZ, CA, WA AmWINS Transportation Underwriters Inc. Coverages Auto Comm-Standard Liability, Excess Liab, GL, Motor Truck Cargo, Physical Damage States Most States National Indemnity Company Coverages Auto Comm-Nonstandard, Auto Comm-Nonstandard Phys Dmg, Liability, Medical Payments, Uninsured Motorists Carrier Status Admitted, Non-admitted States Most States

December 7, 2015 INSURANCE JOURNAL-NATIONAL REGION | N81

2015 Annual Program Directory, Volume II Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States Western Experts in Transportation Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg Carrier Status Admitted States Most States

Small to Mid-Sized Businesses Advanced E&S Group - Midwest Region Coverages Business Income, Business Interruption, CGL, Fire, GL, Glass, Liability, Property, Real & Business Personal Prop, Theft Carrier Status Admitted, Non-admitted States IA, IL, IN, KS, KY, MI, MN, MO, NE, NJ, NY, OH, PA, VA, WI AMIS/Alliance Marketing & Insurance Services Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, BOP, Liability, Property, Workers’ Comp Carrier Status Admitted States Most States Appleby & Sterling Coverages BOP, COC, Workers’ Comp Carrier Status Admitted States AZ, CA, NV Great American Ins. Group - Executive Liability Div. Coverages D&O, EPLI, Excess Liab, Fiduciary Liab Carrier Status Admitted States Most States Lancer Indemnity Company Coverages Flood, GL, Property Carrier Status Admitted States NJ, NY, PA ProWriters Coverages BOP, E&O, GL Carrier Status Admitted States Most States 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, Identity Theft, Inland Marine, Liability, Media Liab, Misc Professional Liab, Nonowned & Hired Auto, Products Liab, Professional Liab, Property, Umbrella, Website Domain Name, Workers’ Comp Carrier Status Admitted States Most States

Snow Ski Rental Firms Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States

Snowmobile Tours - Guided 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, Fire Legal Liab, GL, Identity Theft, Inland Marine, Liquor Liab, Nonowned & Hired Auto, Real & Business Personal Prop, Umbrella, Uninsured Motorists Carrier Status Admitted States All States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States

Social Clubs Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States R.V. Nuccio & Associates Inc. Coverages Accident & Sickness, Accidental Death, Blanket Addt’l Insureds, CGL, Crime, D&O, EPLI, Inland Marine, Participant Accident Carrier Status Admitted States Most States Special Markets Ins. Consultants, An AmWINS Group Coverages Accident & Health, Liability Carrier Status Admitted States Most States Western Security Surplus Insurance Brokers Inc. Coverages Business Interruption, CGL, Fire Legal Liab, GL, Liability, Medical Payments, New Occurrence Carrier Status Admitted, Non-admitted States CA, TX

Social Service Agencies 5Star D&O Program Coverages D&O, E&O, EPLI, Fiduciary Liab Carrier Status Admitted States Most States 5Star Paratransit Program Coverages Auto Comm-Standard Liability, Excess Liab, GL, Physical Damage, Umbrella Carrier Status Admitted States Most States AFC Insurance Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, Boiler & Machinery, Business Interruption, Community/Social Svcs, D&O, Developmental Disabilities, Employee Benefits, Inland Marine, Mental Health Care, Misc Professional Liab, Professional Liab, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States Alliance of Nonprofits for Ins. Risk Retention Group Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, Business Interruption, CGL, Community/ Social Svcs, Crime, Developmental Disabilities, EPLI, Fiduciary Liab, Fire Legal Liab, Inland Marine, Liquor Liab, Mechanical Breakdown, Misc Professional Liab, Non-Profit D&O, Nonowned & Hired Auto, Sexual Misconduct Liab, Umbrella, Uninsured Motorists Carrier Status Admitted, Non-admitted States Most States Allied Protector Plan Coverages GL, Medical Malpractice, Medical Professional Carrier Status Non-admitted States Most States Care Providers Insurance Services LLC Coverages Abuse & Molestation, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Business Interruption, Crime, D&O, Equipment Breakdown, GL, Liability, Nonowned & Hired Auto, Participant Accident, Professional Liab, Property, Theft, Umbrella Carrier Status Admitted States Most States Charity First Insurance Services Inc. Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, Boiler & Machinery, Business Income, CGL, Crime, EPLI, Equipment Breakdown, Int’l Coverage Commercial, Liquor Liab, Non-Profit D&O, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted States Most States Gateway Specialty Insurance Coverages Abuse & Molestation, EPLI, GL, Non-Profit D&O, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States Great American Ins. Group - Executive Liability Div. Coverages Community/Social Svcs, D&O, EPLI, Excess Liab, Fiduciary Liab Carrier Status Admitted States Most States 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 Inc. Coverages Abuse & Molestation, Addiction Treatment, Auto Comm-Standard, Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, Community/Social Svcs, Crime, D&O, Excess Liab, GL, Inland Marine, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States Markel Specialty Coverages Abuse & Molestation, Accident & Health, Auto CommStandard, Business Income, Crime, Equipment Breakdown, GL, Inland Marine, Kidnap/Ransom, Professional Liab, Property, Umbrella Carrier Status Admitted States Most States Monitor Liability Managers Coverages E&O, EPLI, Non-Profit D&O Carrier Status Admitted, Non-admitted States Most States Negley Associates Coverages CGL, Professional Liab Carrier Status Non-admitted States All States

NIF Group Inc.

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, Inland Marine, Liability, Medical & Physical Rehab, Medical Malpractice, Medical Payments, Nonowned & Hired Auto, Products Liab, Professional Liab, Umbrella Carrier Status Admitted States Most States

82 | INSURANCE JOURNAL-NATIONAL REGION December 7, 2015

Nonprofits Insurance Alliance of Calif.

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, Inland Marine, Liquor Liab, Mechanical Breakdown, Misc Professional Liab, Non-Profit D&O, Nonowned & Hired Auto, Umbrella, Uninsured Motorists Carrier Status Non-admitted States CA

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, Identity Theft, Inland Marine, Nonowned & Hired Auto, Professional Liab, Property, Real & Business Personal Prop, Sexual Misconduct Liab, Umbrella, Uninsured Motorists Carrier Status Admitted States All States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States RPS NIPC Coverages Auto Comm-Standard, CGL, Cyber Liab, Employee Benefits, EPLI, Excess Liab, Non-Profit D&O, Nonowned & Hired Auto, Professional Liab, Property, Sexual Misconduct Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States Russell Bond & Co. Inc. Coverages Abuse & Molestation, Assault & Battery, Business Income, Business Interruption, Completed Operations Liab, Cyber Liab, D&O, E&O, Employee Benefits, EPLI, Excess Liab, Fiduciary Liab, Fire, GL, Good Samaritan, Liability, Mental Health Care, Misc Professional Liab, Nonowned & Hired Auto, Products Liab, Professional Liab, Property, Sexual Misconduct Liab, Umbrella Carrier Status Admitted, Non-admitted States Most States Smith, Bell & Thompson Inc. Coverages Auto Comm-Standard, Business Interruption, Crime, D&O, Fidelity Bonds, GL, Inland Marine, Nonowned & Hired Auto, Professional Liab, Property, Sexual Misconduct Liab, Umbrella Carrier Status Admitted, Non-admitted States Most States USX/S Coverages Abuse & Molestation, Auto Comm-Standard Liability, Breach of Security, CGL, Cyber Liab, D&O, EPLI, Identity Theft, Misc Professional Liab, Professional Liab, Property Carrier Status Admitted, Non-admitted States All States

Software Developers Access E&S Insurance Services (VA) Coverages Excess Liability, Professional Liability Carrier Status Non-admitted States AR, DE, GA, IL, MD, NC, NJ, NY, OH, PA, SC, TN, TX, VA, DC AMIS/Alliance Marketing & Insurance Services Coverages Auto Comm-Nonstandard Phys Dmg, Auto CommStandard, BOP, Liability, Property, Workers’ Comp Carrier Status Admitted States Most States IT Risk Managers Inc. Coverages BOP, Cyber Liab, D&O, E&O, Misc Professional Liab, Professional Liab, Technology E&O Carrier Status Admitted, Non-admitted States Most 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, Liability, Media Liab, Nonowned & Hired Auto, Products Liab, Professional Liab, Property, Technology E&O, Umbrella, Workers’ Comp Carrier Status Admitted States All States

Special Events All Risks Ltd. Coverages Contingent Coverages, Excess Liab, GL, Inland Marine, Liquor Liab, Medical Payments, Nonowned & Hired Auto, Physical Damage, Prize Indemnification, Products Liab, Umbrella Carrier Status Non-admitted States Most States American Specialty Insurance & Risk Services Inc. Coverages Auto Comm-Standard, CGL, Crime, Employee Benefits, Excess Liab, Property Carrier Status Admitted States Most States

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2015 Annual Program Directory, Volume II AmWINS Group Inc. - 80 Offices Nationwide Coverages Excess Liab, GL, Liquor Liab, Nonowned & Hired Auto, Umbrella Carrier Status Admitted, Non-admitted States Most States AmWINS Transportation Underwriters Inc. (Zionsville) Coverages Auto Comm-Standard, Business Income, Crime, D&O, E&O, Event Cancellation, Excess Liab, Legal Liab, Liquor Liab, Property, Workers’ Comp Carrier Status Non-admitted States Most States Ashley General Agency Coverages Hole-in-One, Trade Shows & Festivals Carrier Status Non-admitted States TX Burns & Wilcox - All Offices Coverages CGL, Excess Liab, Inland Marine, Liquor Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States Centurion Insurance Group Coverages Event Cancellation, Liquor Liab, Negative Film, Participant Accident, Property, Sets, Trade Shows & Festivals, Wardrobe Carrier Status Admitted States All States Gales Creek Insurance, A Div of JD Fulwiler & Co. Coverages Assault & Battery, Auto Comm-Standard, CGL, Crime, Event Cancellation, Inland Marine, Liquor Liab, Nonowned & Hired Auto, Participant Accident, Umbrella, Weather, Workers’ Comp Carrier Status Admitted, Non-admitted States All States Gateway Specialty Insurance Coverages GL, Liquor Liab Carrier Status Admitted, Non-admitted States Most States HCC Specialty (MA) Coverages Blanket Addt’l Insureds, CGL, Event Cancellation, Hole-in-One, Liquor Liab, Nonowned & Hired Auto, Prize Indemnification, Trade Shows & Festivals, Weather 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 Insurance Center Special Risks Ltd. Coverages GL, Liquor Liab Carrier Status Admitted, Non-admitted States CT, MA, ME, NH, NY, PA, RI, VT K&K Insurance Group Inc. Coverages Auto Comm-Standard, Crime, D&O, Excess Liab, GL, Inland Marine, Property Carrier Status Admitted States Most States McClelland and Hine Inc. Coverages Liability, Liquor Liab Carrier Status Non-admitted States TX N-Surance Outlets Inc. (Florida) Coverages Equipment, Fire Legal Liab, Hole-in-One, Liability, Liquor Liab, Medical Payments, Trade Shows & Festivals, Weather Carrier Status Non-admitted States AL, FL, GA, LA, TN N-Surance Outlets Inc. (Georgia) Coverages Liability, Liquor Liab Carrier Status Non-admitted States GA, LA, TN 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 Income, Business Interruption, CGL, Fire Legal Liab, GL, Identity Theft, Inland Marine, Liquor Liab, Real & Business Personal Prop Carrier Status Admitted States All States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States

R.V. Nuccio & Associates Inc.

Coverages Accidental Death, CGL, Event Cancellation, Liquor Liab, Medical Payments, Nonowned & Hired Auto, Trade Shows & Festivals, Weather Carrier Status Admitted States Most States Safehold Special Risk Coverages Business Income, Crime, Equipment Breakdown, Event Cancellation, Excess Liab, GL, Liability, Liquor Liab, Participant Accident, Property, Workers’ Comp Carrier Status Admitted States Most States

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Special Markets Ins. Consultants, An AmWINS Group Coverages Accident & Health, Liability Carrier Status Admitted States Most States TAPCO Underwriters Inc. Coverages GL, Liquor Liab, Property Carrier Status Non-admitted States Most States USG Insurance Services Inc. Coverages CGL, Inland Marine, Liability, Liquor Liab, Medical Payments, Trade Shows & Festivals, Umbrella Carrier Status Admitted, Non-admitted States Most States

Substance Abuse Program Administrators Irwin Siegel Agency Inc. Coverages Abuse & Molestation, Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Crime, D&O, Environmental Liab, EPLI, Equipment Breakdown, Excess Liab, Fire Legal Liab, GL, Inland Marine, Medical Payments, Pollution Liab, Professional Liab, Property, Umbrella Carrier Status Admitted States Most States Philadelphia Insurance Companies Coverages CGL, Property Carrier Status Admitted States All States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States

Surgery Centers American Professional Liability Underwriters Inc. Coverages D&O, EPLI, GL, Professional Liab Carrier Status Nonadmitted States AL, FL, GA, MI, MS, NC, NY, TX NAS Insurance Services Coverages Cyber Liab, EPLI, Fire Legal Liab, GL, Medical Malpractice, Medical Payments, Products Liab, Professional Liab, Sexual Misconduct Liab Carrier Status Non-admitted States Most States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States Quaker Special Risk (Florida) Coverages CGL, Commercial Excess, GL, Liability, Professional Liab Carrier Status Non-admitted States Most States Quaker Special Risk (Mass.)

Coverages CGL, Commercial Excess, GL, Liability, Professional Liab Carrier Status Non-admitted States Most States Quaker Special Risk (New Jersey) Coverages CGL, Commercial Excess, GL, Liability, Professional Liab Carrier Status Non-admitted States Most States Quaker Special Risk (New York) Coverages CGL, Commercial Excess, GL, Liability, Professional Liab Carrier Status Non-admitted States Most States RPS Healthcare Coverages D&O, EPLI, Excess Liab, GL, Medical Professional, Professional Liab, Property States Most States USX/S Coverages Breach of Security, CGL, Cyber Liab, D&O, EPLI, Identity Theft, Medical & Physical Rehab, Medical Malpractice, Professional Liab, Property Carrier Status Admitted, Non-admitted States All States

Tanning Salons Insurtec Tanning and Spa Insurance Coverages Addt’l Expense, BOP, Business Income, CGL, Crime, EPLI, Equipment Breakdown, Fire Legal Liab, Nonowned & Hired Auto, Professional Liab, Property, Tanning Liab Carrier Status Non-admitted States Most States M.J. Kelly Company Coverages Business Income, CGL, GL, Professional Liab, Umbrella States AR, CO, FL, IA, ID, IL, KS, MO, MS, MT, NM, OK, TN, TX, UT Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States

Professional Program Insurance Brokerage Coverages Abuse & Molestation, BOP, GL, Liability, Personal Property, Professional Liability, Property Carrier Status Non-admitted States Most States Sports & Fitness Insurance Corporation (SFIC) Coverages CGL, Property 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, Identity Theft, Liability, Nonowned & Hired Auto, Products Liab, Professional Liab, Property, Real & Business Personal Prop, StopGap, Theft, Umbrella Carrier Status Admitted States Most States

Tattoo Parlors/Permanent Makeup/ Body Piercing All Risks Ltd. Coverages Employee Benefits, GL, Nonowned & Hired Auto, Professional Liab, Property Carrier Status Non-admitted States Most States CID Insurance Programs Inc. Coverages CGL, Liability, Property Carrier Status Non-admitted States CA, CO, NE, NM, NV, OR, TN, TX, UT, WA Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States Professional Program Insurance Brokerage Coverages BOP, Liability, Misc Professional Liab, Professional Liab, Property Carrier Status Non-admitted States Most States

Tax Preparers & Bookkeepers All Risks Ltd. Coverages Misc Professional Liab, Professional Liab Carrier Status Admitted States AL, AZ, CA, CO, FL, IA, IL, IN, MA, MD, MI, MN, MO, NC, NJ, OK, OR, PA, SC, TN, TX, VA, WA Herbert H. Landy Insurance Coverages BOP, E&O, Professional Liab, Workers’ Comp Carrier Status Admitted States Most States Norman-Spencer International Inc. Coverages E&O, Professional Liab Carrier Status Admitted States Most States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States Target Professional Programs Coverages E&O, Professional Liab Carrier Status Admitted States Most States

Taxi Service 5Star Public Auto Program Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, CGL, Excess Liab, Medical, Umbrella Carrier Status Admitted States Most States AmWINS Group Inc. - 80 Offices Nationwide Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg Carrier Status Admitted, Non-admitted States Most States AmWINS Transportation Underwriters Inc. Coverages Auto Comm-Standard, Auto Comm-Standard Liability States Most States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States

Temporary Medical Staffing PMC Insurance Group Coverages Workers’ Comp Carrier Status Admitted States Most States

December 7, 2015 INSURANCE JOURNAL-NATIONAL REGION | N83

2015 Annual Program Directory, Volume II World Wide Specialty Programs Inc. Coverages Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, Care/Custody/Control, Cyber Liab, E&O, Employee Benefits, EPLI, Fidelity, Fidelity Bonds, GL, Identity Theft, Misc Professional Liab, Nonowned & Hired Auto, Professional Liab, Property, Sexual Misconduct Liab, Technology E&O, Umbrella, Workers’ Comp Carrier Status Admitted States All States

Temporary Staffing Firms All Risks Ltd. Coverages Abuse & Molestation, Auto Comm-Nonstandard, Blanket Addt’l Insureds, Blanket Waivers, Care/Custody/Control, CGL, Crime, Employee Benefits, EPLI, Excess Liab, GL, Inland Marine, Nonowned & Hired Auto, Professional Liab, Property, Stop-Gap, Umbrella, Workers’ Comp Carrier Status Non-admitted States Most States American Professional Liability Underwriters Inc. Coverages D&O, EPLI, Professional Liab Carrier Status Admitted, Non-admitted States AL, FL, GA, MI, MS, NC, NY, TX Artex Risk Solutions Inc. Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States Most States

Empire Underwriters LLC

Coverages Commercial Excess, GL, Pollution Liab, Property, USL&H, Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted, Non-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, Identity Theft, Legal Expense Ins, Nonowned & Hired Auto, Personal Property, Professional Liab, Protection & Indemnity (P&I), Umbrella, Uninsured Motorists Carrier Status Admitted States All States PMC Insurance Group Coverages Workers’ Comp Carrier Status Admitted States Most 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, Liability, Media Liab, Nonowned & Hired Auto, Products Liab, Professional Liab, Property, Technology E&O, Umbrella, Workers’ Comp Carrier Status Admitted States All States SURETY ONE Inc. Coverages Fidelity, Fidelity Bonds Carrier Status Admitted, Non-admitted States Most States Target Professional Programs Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Business Income, Business Interruption, Care/Custody/Control, CGL, Commercial Excess, Crime, E&O, Employee Benefits, EPLI, Equipment Breakdown, Excess Liab, Fidelity, Fire, Fire Legal Liab, GL, Legal Expense Ins, Legal Liab, Liability, Nonowned & Hired Auto, Personal Property, Professional Liab, Property, Real & Business Personal Prop, Theft, Umbrella Carrier Status Admitted States Most States U.S. Risk Insurance Group Inc. Coverages Auto Comm-Standard Liability, CGL, Crime, E&O, EPLI, Excess Liab, Workers’ Comp Carrier Status Non-admitted States Most States World Wide Specialty Programs Inc. Coverages Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, Care/Custody/Control, Cyber Liab, E&O, Employee Benefits, EPLI, Fidelity, Fidelity Bonds, GL, Identity Theft, Misc Professional Liab, Nonowned & Hired Auto, Professional Liab, Property, Sexual Misconduct Liab, Technology E&O, Umbrella, Workers’ Comp Carrier Status Admitted States All States

Theatre Production Companies Gales Creek Insurance, A Div of JD Fulwiler & Co. Coverages Auto Comm-Standard, CGL, Inland Marine, Participant Accident, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Title Agents American Professional Liability Underwriters Inc. Coverages D&O, EPLI, Professional Liab Carrier Status Nonadmitted States AL, FL, GA, MI, MS, NC, NY, TX

Fox Point Programs Coverages E&O, GL, Professional Liab Carrier Status Non-admitted States All States Gerald J. Wilkoff Inc. Coverages Crime, Fidelity, Fidelity Bonds, Fiduciary Liab Carrier Status Admitted States Most States Intercorp Inc. Coverages Professional Liab Carrier Status Admitted, Non-admitted States Most States Johnson & Johnson Coverages Crime, Cyber Liab, E&O, EPLI, Fidelity Bonds, Kidnap/ Ransom, Professional Liab Carrier Status Non-admitted States Most States Logic Underwriters Inc. Coverages BOP, E&O Carrier Status Admitted, Non-admitted States TX Professional Ins. Concepts (fka Crump Prof. Concepts) Coverages E&O, Professional Liab Carrier Status Admitted States Most States TitlePac Inc. Coverages Cyber Liab, E&O, Escrow E&O, Fidelity Bonds, Misc Professional Liab, Professional Liab, Technology E&O Carrier Status Admitted, Non-admitted States Most States

Tour & Charter Bus Services 5Star Public Auto Program Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Cargo, EPLI, Excess Liab, GL, Pollution Liab, Umbrella, Workers’ Comp Carrier Status Admitted States Most States National Interstate Insurance Company Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, GL Carrier Status Admitted States Most States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States

Tow Truck Firms KBK Insurance Group Inc. Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Garage Keepers Legal Liab, GL, On-Hook Cargo, Property, Umbrella Carrier Status Admitted 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, PA National Indemnity Company Coverages Auto Comm-Nonstandard, Auto Comm-Nonstandard Phys Dmg, Garage Keepers Legal Liab, Medical Payments, Motor Truck Cargo, Uninsured Motorists Carrier Status Admitted, Non-admitted States Most States National Interstate Insurance Company Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, GL Carrier Status Admitted States Most States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States Russell Bond & Co. Inc. Coverages Auto Comm-Standard, Auto Comm-Standard Phys Dmg, Care/Custody/Control, Cargo, Emergency Towing & Service, Garage Liability, GKLL, Motor Truck Cargo, On-Hook Cargo, Property, Truck Auto Liab, Umbrella Carrier Status Admitted States Most States Trinity Transportation Services Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Cargo, Excess Liab, Garage Keepers Legal Liab, Motor Truck Cargo, Nonowned & Hired Auto, On-Hook Cargo, Tools & Equip Carrier Status Admitted States Most States

Trade Show Exhibitors BUA LLC Coverages Excess Liab, GL Carrier Status Admitted States Most States

84 | INSURANCE JOURNAL-NATIONAL REGION December 7, 2015

Gales Creek Insurance, A Div of JD Fulwiler & Co. Coverages Auto Comm-Standard, CGL, Inland Marine, Nonowned & Hired Auto, Umbrella Carrier Status Admitted, Non-admitted States All States HCC Specialty (MA) Coverages Blanket Addt’l Insureds, Excess Liab, Hole-inOne, Liability, Liquor Liab, Nonowned & Hired Auto, Prize Indemnification, Trade Shows & Festivals, Weather Carrier Status Admitted, Non-admitted States All States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States

Translators & Interpreters Professional Program Insurance Brokerage Coverages Abuse & Molestation, BOP, GL, Liability, Misc Professional Liab, Professional Liab Carrier Status Non-admitted States Most States

Travel Agents & Tour Operators Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States SURETY ONE Inc. Coverages Fidelity, Fidelity Bonds Carrier Status Admitted, Non-admitted States Most States

Travel Trailers Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States Specialized Insurance Coverages Liability, Physical Damage Carrier Status Admitted States DE, FL, NY, PA

Truck Body/Manufacturers/ Distributors Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States Willis Programs Coverages Auto Comm-Standard, Crime, Equipment Breakdown, GL, Inland Marine, Property, Umbrella Carrier Status Admitted States Most States

Truckers/Trucking Firms 5Star Non-Trucking Liability Program Coverages Non-Trucking Auto Liab, Physical Damage Carrier Status Admitted, Non-admitted States Most States 5Star Trucking Program Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Cargo, Disability, EPLI, Excess Liab, GL, Non-Trucking Auto Liab, Occupational Accident, Participant Accident, Physical Damage, Pollution Liab, Umbrella, Uninsured Motorists, Workers’ Comp Carrier Status Admitted States Most States 5Star Workers’ Compensation Services Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States Align General Insurance Agency LLC Coverages Auto Comm-Nonstandard, Auto Comm-Nonstandard Phys Dmg, Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Cargo, CGL Carrier Status Admitted States AZ, CA, NV AmWINS Group Inc. - 80 Offices Nationwide Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Excess Liab, GL, Motor Truck Cargo, Non-Trucking Auto Liab Carrier Status Admitted, Non-admitted States Most States AmWINS Transportation Underwriters Inc. Coverages Auto Comm-Standard Phys Dmg, Cargo, Inland Marine, Long Haul, Motor Truck Cargo, Physical Damage, Transportation Pollution Liab Carrier Status Admitted, Non-admitted States Most States www.insurancejournal.com

2015 Annual Program Directory, Volume II Applied Underwriters Inc. Coverages EPLI, Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States Most States Burns & Wilcox - All Offices Coverages Auto Comm-Nonstandard, CGL, Excess Liab, Property Carrier Status Admitted, Non-admitted States Most States Crouse & Associates Coverages Cargo, CGL, COC, D&O, Difference in Conditions, E&O, Motor Truck Cargo, Nonowned & Hired Auto, Transportation Pollution Liab, Umbrella Carrier Status Admitted States All States

Empire Underwriters LLC

Coverages Commercial Excess, GL, Motor Truck Cargo, Pollution Liab, Property, USL&H, Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted, Non-admitted States Most States Freberg Environmental Inc. Coverages Auto Comm-Nonstandard, Auto Comm-Nonstandard Phys Dmg, CGL, GL, Nonowned & Hired Auto, Pollution, Pollution Liab, Transportation Pollution Liab, Uninsured Motorists Carrier Status Admitted States Most States Guardian Insurance Wholesalers Inc. Coverages Cargo, GL, Liability, Occupational Accident, Physical Damage, Workers’ Comp Carrier Status Admitted States All States Interline Insurance Services Coverages Auto Comm-Standard, Auto Comm-Standard Phys Dmg Carrier Status Admitted States CA International Excess Program Managers Coverages Cargo, GL, Property Carrier Status Admitted, Non-admitted States Most States International Transportation & Marine Agency Inc. Coverages Cargo, GL, Physical Damage Carrier Status Admitted, Non-admitted States Most States J.M. Wilson Coverages Long Haul, Motor Truck Cargo, Physical Damage, Truck Auto Liab Carrier Status Admitted States AL, AR, FL, GA, IA, IL, IN, KS, KY, MI, MO, NC, NE, OH, OK, PA, SC, TN, VA, WI, WV Lancer Insurance Company Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg Carrier Status Admitted States NJ, NY, PA M.J. Kelly Company Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Cargo, Excess Liab, GL, Long Haul, Medical Payments, Nonowned & Hired Auto, Physical Damage, Truck Auto Liab, Uninsured Motorists States AR, CO, FL, IA, ID, IL, KS, MO, MS, MT, NM, OK, TN, TX, UT MacAfee & Edwards Inc. - Mexican Ins. Specialist Coverages Int’l Coverage - Commercial, Int’l Coverage - Personal Carrier Status Non-admitted States Most States MAXIMUM Coverages Auto Comm-Nonstandard, Auto Comm-Nonstandard Phys Dmg, Cargo, Contractors Equip, Dealers Open Lot, GL, NonTrucking Auto Liab, Nonowned & Hired Auto, Physical Damage, Transportation Pollution Liab, Truck Auto Liab, Umbrella Carrier Status Non-admitted States Most States

MexiPass International Insurance Services LLC

Coverages Int’l Coverage - Commercial, Int’l Coverage - Personal States All States Midlands Coverages Accident & Health, Accidental Death, Occupational Accident Carrier Status Non-admitted States Most States N-Surance Outlets Inc. (Georgia) Coverages Cargo, Non-Trucking Auto Liab, Physical Damage, Truck Auto Liab Carrier Status Admitted States GA, TN National Advantage Insurance Services Inc. Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, GL, Motor Truck Cargo, Non-Trucking Auto Liab, Truck Auto Liab, Umbrella Carrier Status Admitted, Nonadmitted States AZ, CA, NV, OR, TX National Interstate Insurance Company Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Cargo, GL Carrier Status Admitted States Most States Paul Hanson Partners Specialty Ins. Solutions Coverages Cargo, CGL, Property, Truck Auto Liab Carrier Status Admitted States Most States

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Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States Scottish American Coverages Cargo, Liability, Physical Damage Carrier Status Admitted, Non-admitted States CA Shelly, Middlebrooks & O’Leary Inc. (Jacksonville) Coverages Auto Comm-Standard, Cargo, GL, Physical Damage States FL South & Western General Agency Inc. Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Cargo, Long Haul Carrier Status Admitted States AR, MS, OK, TN, TX South Texas General Insurance Agency Coverages Auto Comm-Nonstandard, CGL, Property Carrier Status Non-admitted States TX Western Surplus Lines Agency Inc. Coverages CGL, Excess Liab Carrier Status Non-admitted States LA, ND, NM, OK, TX

Used Car Dealers All Risks Ltd. Coverages Physical Damage, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States Brecht & Associates Coverages Auto Comm-Nonstandard, Auto Comm-Nonstandard Phys Dmg, CGL, Commercial Excess, Dealers Open Lot, Fire, Garage Liability, GKLL, GL, Physical Damage, Property, Theft, Umbrella, Uninsured Motorists, Uninsured Personal Injury Carrier Status Non-admitted States TX CRES Insurance Services Coverages Garage Liability, GKLL, GL Carrier Status Admitted, Non-admitted States CA DMI Insurance Services Coverages Business Income, Crime, Dealers Open Lot, Employee Benefits, Equipment Breakdown, Fire, Fire Legal Liab, Garage Keepers Legal Liab, Garage Liability, Inland Marine, NonTrucking Auto Liab, Nonowned & Hired Auto, Physical Damage, Products Liab, Property, Real & Business Personal Prop, Tools & Equip, Uninsured Motorists, Uninsured Personal Injury Carrier Status Admitted States Most States GMI Insurance Services Coverages Garage Liability, GL, Inland Marine, Property Carrier Status Admitted States Most States KBK Insurance Group Inc. Coverages Dealers Open Lot, Garage Keepers Legal Liab, Garage Liability, On-Hook Cargo, Property, Umbrella Carrier Status Admitted States Most States Lancer Insurance Company Coverages Dealers Open Lot, Garage Liability Carrier Status Admitted States NY M.J. Hall & Company Inc. Coverages Auto Comm-Nonstandard, Auto Comm-Nonstandard Phys Dmg, Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Business Interruption, Commercial Excess, Dealers Open Lot, Excess Liab, Fire, Garage Liability, GKLL, Medical Payments, Property, Real & Business Personal Prop, Truck Auto Liab Carrier Status Non-admitted States AK, AZ, CA, NV M.J. Kelly Company Coverages Dealers Open Lot, Fidelity Bonds, Fire Legal Liab, Garage Liability, GKLL, Medical Payments, Uninsured Motorists States AR, CO, FL, IA, ID, IL, KS, MO, MS, MT, NM, OK, TN, TX, UT McClelland and Hine Inc. Coverages Dealers Open Lot, Garage Keepers Legal Liab, Garage Liability, Umbrella Carrier Status Non-admitted States TX National Indemnity Company Coverages Dealers Open Lot, Garage Keepers Legal Liab, Garage Liability, GKLL, Medical Payments, Uninsured Motorists Carrier Status Admitted, Non-admitted States Most States Platinum Program Managers & Insurance Services Inc. Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States AK, AZ, CA, CO, ID, MT, NM, NV, OR, UT

Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States RSI International (Missouri); dba Walter General Agency 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 Scottish American Coverages Dealers Open Lot, Garage Liability Carrier Status Non-admitted States CA Sierra Specialty Coverages CGL, Dealers Open Lot, Garage Keepers Legal Liab, Garage Liability, Inland Marine, Property Carrier Status Admitted, Non-admitted States Most States SURETY ONE Inc. Coverages Fidelity, Fidelity Bonds Carrier Status Admitted, Non-admitted States Most States USG Insurance Services Inc. Coverages CGL, Dealers Open Lot, EPLI, Garage Keepers Legal Liab, Garage Liability, Umbrella Carrier Status Admitted, Non-admitted States Most States V3 Insurance Partners LLC Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Business Interruption, CGL, Crime, Dealers Open Lot, E&O, Garage Liability, GKLL, Inland Marine, Nonowned & Hired Auto, On-Hook Cargo, Property, Theft, Tools & Equip, Umbrella, Uninsured Motorists, Windstorm Carrier Status Admitted States Most States Victor O. Schinnerer & Co. Coverages D&O, Dealers Open Lot, EPLI, Fiduciary Liab, Garage Keepers Legal Liab, Garage Liability, GL, Pollution Liab, Property Carrier Status Admitted, Non-admitted States Most States Williams & Stazzone Insurance Agency Inc. Coverages Crime, Dealers Open Lot, Garage Keepers Legal Liab, Garage Liability, GKLL, Interim Car Liab/Phys Dmg, Lessor Only Excess Liab, Lessors Contingent Liab, Lessors Contingent Phys Dmg, Property Carrier Status Admitted States DE, FL, GA, MD, MO, NC, NJ, NY, PA

Utilities-Natural Gas Companies Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States Willis Programs Coverages Auto Comm-Standard, Boiler & Machinery, GL, Inland Marine, Property, Public Officials, Railroad Protective Liab, Umbrella Carrier Status Admitted States Most States

Valet Parking Companies All Risks Ltd. Coverages Garage Keepers Legal Liab, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States Alliant Specialty Insurance Services Inc. Coverages Auto Comm-Standard, E&O, Garage Liability, GKLL, Property, Umbrella, Workers’ Comp Carrier Status Non-admitted States Most States CID Insurance Programs Inc. Coverages CGL, Garage Keepers Legal Liab, Garage Liability, Property Carrier Status Non-admitted States CA, CO, NE, NM, NV, OR, TN, TX, UT, WA McLeckie Insurance Group Coverages Garage Keepers Legal Liab, Legal Liab Carrier Status Non-admitted States All States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States U.S. Risk Insurance Group Inc. Coverages CGL, Garage Keepers Legal Liab, GKLL Carrier Status Non-admitted States All States USG Insurance Services Inc. Coverages Garage Liability, Uninsured Motorists Carrier Status Admitted, Non-admitted States Most States

December 7, 2015 INSURANCE JOURNAL-NATIONAL REGION | N85

2015 Annual Program Directory, Volume II Vendor Management Services Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States World Wide Specialty Programs Inc. Coverages Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, Care/Custody/Control, Cyber Liab, E&O, Employee Benefits, EPLI, Fidelity, Fidelity Bonds, GL, Identity Theft, Misc Professional Liab, Nonowned & Hired Auto, Professional Liab, Property, Sexual Misconduct Liab, Technology E&O, Umbrella, Workers’ Comp Carrier Status Admitted States All States

Brightstone Delivery Insurance LLC Coverages Addt’l Expense, Bailee/Customer Goods, Blanket Addt’l Insureds, Blanket Waivers, Boiler & Machinery, BOP, Business Income, Business Interruption, Care/Custody/Control, Cargo, CGL, Commercial Excess, Cyber Liab, D&O, E&O, EPLI, Equipment Breakdown, Excess Liab, Fine Arts, Fire, Flood, Freight Forwarder, Legal Liab, Liability, Loss of Use, Motor Truck Cargo, Nonowned & Hired Auto, Occupational Accident, Physical Damage, Products Liab, Theft, Truck Broker, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States Compass Insurance Group of Agencies Coverages BOP, Business Income Carrier Status Non-admitted States CA

Veterinarians

Empire Underwriters LLC

Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States

Vineyards Agricultural Insurance Mgmt Services Coverages CGL, Products Liab, Property Carrier Status Admitted States Most States Apollo General Ins. Agency Inc. Coverages Auto Comm-Standard, Combo Personal & Commercial, Equipment, Food Spoilage, Liquor Liab, Products Liab, Property, Spoilage Carrier Status Admitted States Most States Safehold Special Risk Coverages Boiler & Machinery, Business Interruption, Catastrophe, Equipment, Equipment Breakdown, GL, Hail, Inland Marine, OCP, Pollution, Pollution Liab, Property, Tools & Equip, Umbrella, Workers’ Comp Carrier Status Admitted States Most States Sierra Specialty Coverages CGL, Herbicide & Pesticide, High Valued Homes, Inland Marine, Personal Property, Pollution Liab, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-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 Most States

Vitamin/Health Food Suppliers NeitClem Wholesale Insurance Brokerage Inc. Coverages Completed Operations Liability, Foreign GL, GL, Liability, Product Extended Warranty, Products Liability Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States Quaker Special Risk (Mass.)

Coverages CGL, Commercial Excess, GL, Liability, Products Liab Carrier Status Non-admitted States Most States Quaker Special Risk (New Jersey) Coverages CGL, Commercial Excess, GL, Liability, Products Liab Carrier Status Non-admitted States Most States Worldwide Facilities LLC Coverages Products Liab, Property Carrier Status Admitted, Non-admitted States All States

Warehouse Operators AmWINS Group Inc. - 80 Offices Nationwide Coverages GL, Legal Liab, Motor Truck Cargo, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States AmWINS Program Underwriters Coverages Business Interruption, Crime, GL, Motor Truck Cargo, Property, Umbrella, Workers’ Comp States All States

Coverages Commercial Excess, GL, Pollution Liab, Property, Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted, Non-admitted States Most States Midlands Coverages Legal Liab, Property Carrier Status Non-admitted States Most States National Advantage Insurance Services Inc. Coverages Inland Marine, Property Carrier Status Non-admitted States AZ, CA, NV, OR, TX Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States

Waste Haulers ACE Commercial Risk Services - Programs Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, CGL, Property Carrier Status Admitted States Most States Align General Insurance Agency LLC Coverages Auto Comm-Nonstandard, Auto Comm-Nonstandard Phys Dmg, Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Cargo, CGL Carrier Status Admitted States AZ, CA, NV All Risks Ltd. Coverages Excess Liab, GL, Professional Liab, Workers’ Comp Carrier Status Admitted States Most States Alliant Specialty Insurance Services Inc. Coverages Auto Comm-Standard, GL, Inland Marine, Pollution, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States AL, AZ, CA, CO, FL, GA, IL, IN, NC, OH, OK, OR, PA, SC, TN, TX, UT, WA AmWINS Group Inc. - 80 Offices Nationwide Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Environmental Liab, GL, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States AmWINS Program Underwriters Coverages Auto Comm-Standard, Auto Comm-Standard Phys Dmg, GL, Pollution, Umbrella, Workers’ Comp States All States Beacon Hill Associates Inc. Coverages CGL, E&O, Pollution States Most States Berkley Specialty Underwriting Mgrs - Environmental Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Blanket Addt’l Insureds, Blanket Waivers, CGL, Commercial Excess, Employee Benefits, Environmental Liab, GL, Int’l Coverage - Commercial, Nonowned & Hired Auto, Pollution, Professional Liab, Umbrella, Uninsured Motorists, Uninsured Personal Injury, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States Brecht & Associates Coverages Auto Comm-Nonstandard, GL, Inland Marine, Property Carrier Status Non-admitted States TX Guardian Insurance Wholesalers Inc. Coverages GL, Liability, Physical Damage Carrier Status Admitted States All States PMC Insurance Group Coverages Workers’ Comp Carrier Status Admitted States Most States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States

86 | INSURANCE JOURNAL-NATIONAL REGION December 7, 2015

Willis Programs Coverages Auto Comm-Standard, Crime, GL, Inland Marine, Property, Umbrella Carrier Status Admitted States Most States

Water Well Drilling Operation Co’s Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States Western Surplus Lines Agency Inc. Coverages CGL, Control of Well, Inland Marine Carrier Status Non-admitted States LA, ND, NM, OK, TX Willis Programs Coverages Auto Comm-Standard, GL, Inland Marine, Property, Umbrella Carrier Status Admitted States Most States

Water/Wastewater Facilities Apex Insurance Services Coverages Auto Comm-Standard, Auto Comm-Standard Phys Dmg, Boiler & Machinery, CGL, Commercial Excess, Contractors Equip, Crime, EPLI, Equipment Breakdown, Inland Marine, Property, Public Officials, Workers’ Comp Carrier Status Admitted States Most States Beacon Hill Associates Inc. Coverages CGL, E&O, Pollution States Most States Freberg Environmental Inc. Coverages CGL, Environmental Liab, Excess Liab, GL, Pollution, Pollution Liab, Transportation Pollution Liability Carrier Status Non-admitted States All States Glatfelter Insurance Group Coverages Auto Comm-Standard, Crime, Excess Liab, GL, Inland Marine, Property Carrier Status Admitted States Most States Glatfelter Public Practice Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Crime, Employee Benefits, EPLI, Excess Liab, GL, Inland Marine, Property, Public Officials Carrier Status Admitted States Most 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 Most States NIF Group Inc. Coverages Auto Comm-Standard, Boiler & Machinery, Business Interruption, Commercial Excess, E&O, EPLI, GL, Products Liab Carrier Status Admitted States AZ, MA, NJ, NY, PA, TN

Philadelphia Insurance Companies

Coverages CGL, Property Carrier Status Admitted States All States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States US Assure Coverages Builders Risk, COC, Earthquake, Fire, Flood, Hail, Hurricane, Installation Floaters, Theft, Weather, Windstorm States Most States

Weddings All Risks Ltd. Coverages Excess Liab, GL, Inland Marine, Liquor Liab, Nonowned & Hired Auto, Physical Damage, Products Liab, Umbrella Carrier Status Non-admitted States Most States Gales Creek Insurance, A Div of JD Fulwiler & Co. Coverages CGL, Event Cancellation, Liquor Liab, Nonowned & Hired Auto, Umbrella Carrier Status Admitted, Non-admitted States All States HCC Specialty (MA) Coverages Liability, Liquor Liab, Weather Carrier Status Admitted States Most States Markel Personal Lines Coverages Event Cancellation, Liability, Property Carrier Status Admitted States Most States Philadelphia Insurance Companies Coverages CGL, Property Carrier Status Admitted States All States

www.insurancejournal.com

2015 Annual Program Directory, Volume II R.V. Nuccio & Associates Inc.

Coverages Addt’l Expense, Event Cancellation, Hurricane, Inland Marine, Liquor Liab, Medical Payments, Nonowned & Hired Auto, Personal Liab, Rented Property, Wardrobe, Weather Carrier Status Admitted States Most States

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, Fire Legal Liab, GL, Herbicide & Pesticide, Inland Marine, Liability, Lost Key, Medical Payments, Pollution Liab, Products Liab, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States

Wineries Apollo General Ins. Agency Inc. Coverages Blanket Addt’l Insureds, Boiler & Machinery, Business Interruption, Cargo, GL, Inland Marine, Liability, Liquor Liab, Property Carrier Status Admitted States Most States Markel Specialty Coverages Auto Comm-Standard, Business Income, Crime, Equipment, Equip Breakdown, Excess Liability, Liability, Liquor Liability, Property, Residential Property, Umbrella Carrier Status Admitted States All States except AK, HI Sierra Specialty Coverages CGL, Herbicide & Pesticide, High Valued Homes, Inland Marine, Personal Property, Pollution Liab, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States South & Western General Agency Inc. Coverages Auto Comm-Standard, Fire, GL, Inland Marine, Umbrella Carrier Status Admitted States AR, NM, OK, TN, TX 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 Most States

Wood Workers AmWINS Group Inc. - 80 Offices Nationwide Coverages Boiler & Machinery, Business Interruption, Equipment, Inland Marine Carrier Status Admitted, Non-admitted States Most States Woodus K. Humphrey & Co. (AmWINS) Coverages Boiler & Machinery, Business Interruption, Equipment Breakdown, Inland Marine, Property Carrier Status Admitted States All States

Wrecking Contractors AmWINS Group Inc. - 80 Offices Nationwide Coverages Auto Comm-Standard, GL, Inland Marine, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States Apollo General Ins. Agency Inc. Coverages Accident & Health, Accidental Death, Auto CommStandard, Blanket Addt’l Insureds, Blanket Waivers, Cargo, Contractors Equip, Contractors License Bonds, Environmental Liab, EPLI, Equipment, GL, Railroad Protective Liab, Real & Business Personal Prop, Umbrella, Workers’ Comp Carrier Status Non-admitted States Most States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States

Yacht Clubs Atlass Insurance Group Coverages Boats, Business Interruption, CGL, Equipment, Excess Liab, Liability, Marina Operators Legal, Piers & Docks, Property, Watercraft Liab Carrier Status Admitted, Non-admitted States Most States www.insurancejournal.com

Maritime Program Group Coverages Boats, CGL, Commercial Marine, Crime, Hull, Inland Marine, Marina Operators Legal, Nonowned & Hired Auto, Piers & Docks, Pollution, Umbrella, Workers’ Comp Carrier Status Admitted States All States Markel Personal Lines Coverages Boats, Commercial Marine, Hull, Pollution Liab, Watercraft Liab Carrier Status Admitted States Most States Midlands Coverages Hull, Medical Payments, Protection & Indemnity (P&I), Watercraft Liab Carrier Status Admitted, Non-admitted States All States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States Safehold Special Risk Coverages Boats, Boiler & Machinery, CGL, COC, Commercial Excess, Commercial Marine, Equipment, Equipment Breakdown, GL, Property, Umbrella, Watercraft Liab, Watersports Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States TCA Inc. Coverages Boats, Builders Risk, CGL, Commercial Excess, Commercial Marine, Contractors Equip, Excess Liab, GL, Hull, Liability, Marina Operators Legal, Piers & Docks, Pollution, Pollution Liab, Professional Liab, Property, Protection & Indemnity (P&I), Wet Marine Carrier Status Admitted, Non-admitted States All States The Hanover Insurance Group Coverages Auto Comm-Standard, CGL, Crime, D&O, Environmental Liab, EPLI, Equipment, Fine Arts, GKLL, GL, Hull, Legal Liab, Marina Operators Legal, Physical Damage, Piers & Docks, Pollution Liab, Products Liab, Property, Protection & Indemnity (P&I), Watersports Liab, Workers’ Comp Carrier Status Admitted States Most States

Yachts/Mega Yachts ACE Recreational Marine Insurance Coverages Emergency Towing & Service, Federal LHWCA, Hull, Medical Payments, Personal Property, Pollution Liab, Protection & Indemnity (P&I), Uninsured Boaters Carrier Status Admitted States Most States

Atlass Insurance Group

Coverages Excess Liab, Hull, Liability, Medical Payments, Pollution Liab, Uninsured Boaters Carrier Status Admitted, Non-admitted States Most States Insurance Center Special Risks Ltd. Coverages Emergency Towing & Service, Hull, Medical Payments, Personal Property, Pollution Liab, Watercraft Liab, Watersports Liab Carrier Status Admitted States CT, MA, ME, NH, NY, PA, RI, VT Maritime Program Group Coverages Boats, Hull, Medical, Pollution, Protection & Indemnity (P&I) Carrier Status Admitted States All States Markel Personal Lines Coverages Hull, Liability, Medical Payments, Pollution Liab, Uninsured Boaters, Watercraft Liab Carrier Status Admitted States Most States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States Quaker Special Risk (Florida) Coverages Hull, Watercraft Liab Carrier Status Non-admitted States Most States Quaker Special Risk (New Jersey) Coverages Hull, Protection & Indemnity (P&I), USL&H Carrier Status Non-admitted States Most States Quaker Special Risk (New York) Coverages Hull, Watercraft Liab Carrier Status Non-admitted States Most States Specialized Insurance Coverages Boats, Commercial Marine, Hull, Liability, Uninsured Boaters, Watercraft Liability, Watersports Liability Carrier Status Admitted, Non-admitted States DE, FL, NY, PA

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 TCA Inc. Coverages Boats, Hull, Protection & Indemnity (P&I), Theft, Uninsured Boaters Carrier Status Admitted, Non-admitted States All States Terheggen/Malone Marine Insurance Coverages Boats, Watercraft Liab Carrier Status Admitted States AZ, CA, NV

Youth Sports Associations CID Insurance Programs Inc. Coverages CGL, D&O, Liability, Property Carrier Status Admitted, Non-admitted States CA, MD, NE, NM, NV, OR, TN, TX, UT, WA Gales Creek Insurance, A Div of JD Fulwiler & Co. Coverages Abuse & Molestation, Auto Comm-Standard, CGL, D&O, EPLI, Inland Marine, Participant Accident, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States Gateway Specialty Insurance Coverages Abuse & Molestation, EPLI, GL, Non-Profit D&O, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States

K&K Insurance Group Inc.

Coverages Abuse & Molestation, CGL, Crime, D&O, Inland Marine, Participant Accident States Most States 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, Property, Real & Business Personal Prop, Sexual Misconduct Liab, Umbrella, Uninsured Motorists Carrier Status Admitted States All States Prime Insurance Company Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States Most States RPS Bollinger Sports & Leisure Coverages Accident & Health, CGL, Crime, D&O, Equipment, Excess Liab Carrier Status Admitted States Most States Safehold Special Risk Coverages Business Income, Crime, Equipment Breakdown, Event Cancellation, Excess Liab, GL, Liability, Liquor Liab, Property, Workers’ Comp Carrier Status Admitted States Most States Special Markets Ins. Consultants, An AmWINS Group Coverages Accident & Health, Liability Carrier Status Admitted States Most States Sports & Fitness Insurance Corporation (SFIC) Coverages Accident & Health, Accidental Death, Flood, GL, Medical, Property Carrier Status Admitted States All States

December 7, 2015 INSURANCE JOURNAL-NATIONAL REGION | N87

2015 Annual Program Directory Volume II – Alphabetical Directory of Markets 5Star Business Auto Program (Misc. classes)

Advanced E&S Group - Midwest Region

American Underwriting Managers

5Star Contract School Bus Program

AFC Insurance

AMIS/Alliance Marketing & Insurance Services

5Star D&O Program

Agency Marketing Services

AmTrust Surety

5Star Garage Services & Auto Dealers Program

Agricultural Insurance Mgmt Svcs.

AmWINS Group, Inc. - 80 Offices Nationwide

5Star Non-Trucking Liability Program

Align General Insurance Agency, LLC

AmWINS Program Underwriters

5Star Paratransit Program

All Risks, Ltd.

AmWINS Transportation Underwriters, Inc.

10150 York Rd., 5th Fl, Hunt Valley, MD 21030 Phone: (800) 366-5810, Fax: (410) 828-8179 allrisksij@allrisks.com www.allrisks.com

3035 S. Church St., Burlington, NC 27215 Phone: (800) 222-2407, Fax: (336) 229-6977 transportation@amwins.com www.amwins.com/atu

Alliance of Nonprofits for Ins. Risk Retention Group

AmWINS Transportation Underwriters, Inc. (Zionsville)

P.O. Box 8507, Santa Cruz, CA 95061 Phone: (800) 359-6422, Fax: (831) 459-0853 sbradshaw@insurancefornonprofits.org www.insurancefornonprofits.org

80 E. Cedar Street, Zionsville, IN 46077 Phone: (317) 942-0423, Fax: (336) 229-6977 mark.maucere@amwins.com www.amwins.com/motorsports

Alliant Specialty Insurance Services, Inc.

Anchor Bay Insurance Managers, Inc.

P.O. Box 609015, San Diego, CA 92160 Phone: (858) 505-4011, Fax: (858) 505-4074 marketing@alliantspecialty.com www.alliantspecialty.com

P.O. Box 2510, Silverdale, WA 98383 Phone: (360) 649-8969 bill.tanner04@gmail.com www.surpluslines.com

Allied Protector Plan

Anderson & Murison, Inc.

655 N. Franklin St., Ste. 1800, Tampa, FL 33602 Phone: (877) 566-4017, Fax: (813) 221-4109 app@bbprograms.com www.alliedprotectorplan.com

800 W. Colorado Blvd., Los Angeles, CA 90041 Phone: (323) 255-2333, Fax: (323) 255-0957 jmccarthy@amqts.com www.andersonmurison.com

American Modern Insurance Group

Apex Insurance Services

P.O. Box 5323, Cincinnati, OH 45201 Phone: (800) 759-9008, Fax: (513) 947-4500 salessupport@amig.com www.amig.com

404 E. Ramsey, Ste. 114, San Antonio, TX 78216 Phone: (210) 812-5658, Fax: (210) 340-8986 hughes@apexinsurance.com www.apexinsurance.com

American Professional Liability Underwriters, Inc.

Apollo General Ins. Agency, Inc.

158 N. Harbor City Blvd., Melbourne, FL 32935 Phone: (877) 247-9772, Fax: (321) 757-6147 businessauto@5starsp.com www.5starsp.com 444 Beach 129th St., Belle Harbor, NY 11692 Phone: (877) 247-9772, Fax: (866) 566-8424 schoolbusny@5starsp.com www.5starsp.com

1230 E. Diehl Rd., Ste. 350, Naperville, IL 60563 Phone: (866) 879-6565, Fax: (866) 720-5003 dando@5starsp.com www.5starsp.com 158 N. Harbor City Blvd., Melbourne, FL 32935 Phone: (877) 247-9772, Fax: (321) 757-6147 autodealers@5starsp.com www.5starsp.com 158 N. Harbor City Blvd., Melbourne, FL 32935 Phone: (877) 247-9772, Fax: (321) 757-6145 nontrucking@5starsp.com www.5starsp.com 444 Beach 129th St., Belle Harbor, NY 11694 Phone: (877) 247-9772, Fax: (866) 566-8424 paratransit@5starsp.com www.5starsp.com

5Star Public Auto Program

158 N. Harbor City Blvd., Melbourne, FL 32935 Phone: (877) 247-9772, Fax: (321) 757-6147 publicauto@5starsp.com www.5starsp.com

5Star Trucking Program

158 N. Harbor City Blvd., Melbourne, FL 32935 Phone: (877) 247-9772, Fax: (321) 757-6147 trucking@5starsp.com www.5starsp.com

5Star Workers’ Compensation Services 906 S. Kirkwood, St. Louis, MO 63122 Phone: (877) 247-9772, Fax: (314) 965-9399 workcomp@5starsp.com www.5starsp.com

Access E&S Insurance Services (CA)

5575 Lake Park Way, Ste. 218, La Mesa, CA 91942 Phone: (619) 462-1128, Fax: (866) 209-7312 valerie@access-es.com www.access-es.com

Access E&S Insurance Services (VA) 2001 N. Lincoln St., Arlington, VA 22207 Phone: (703) 248-2566, Fax: (703) 248-2565 Tim@Access-ES.com www.Access-ES.com

ACE Commercial Risk Services - Programs 436 Walnut St. WA 7C, Philadelphia, PA 19106 Phone: (215) 640-4467, Fax: (215) 640-5472 carol.dennis@acegroup.com www.aceprogramdivision.com

ACE Recreational Marine Insurance 436 Walnut St., Philadelphia, PA 19106 Phone: (215) 640-2609, Fax: (215) 640-5025 recreational.marine@acegroup.com www.aceprs.com/boatandyacht

500 N. Michigan Ave., Ste. 1039, Chicago, IL 60611 Phone: (866) 867-0505, Fax: (312) 245-3001 quote@advancede-s.com www.aesins.com 3101 Emrick Blvd., Ste. 318, Bethlehem, PA 18020 Phone: (877) 456-5323, Fax: (610) 974-8574 meggan.werkheiser@afcins.com www.afcins.com 9800 4th St. N, Ste. 400, St. Petersburg, FL 33702 Phone: (800) 542-2805, Fax: (727) 343-4123 info@agencymarketing.com www.agencymarketing.com 1496 Route 3A, Ste. 10, Bow, NH 03278 Phone: (877) 552-2467, Fax: (603) 225-9318 jlp@aimscentral.com www.aimscentral.com

350 10th Ave., Ste. 1450, San Diego, CA 92101 Phone: (619) 333-2500 info@aligngeneral.com www.aligngeneral.com

7270 NW 12 St., Ste. 700, Miami, FL 33126 Phone: (786) 924-7036, Fax: (786) 924-7046 rkenney@amproins.com www.amproins.com

American Public Risk

9020 Stony Point Pkwy, Ste. 455, Richmond, VA 23236 Phone: (800) 586-6502, Fax: (804) 272-7852 ndaly@pgui.com www.americanpublicrisk.com

American Specialty Insurance & Risk Services, Inc. 7609 W. Jefferson Blvd., Ste. 100, Fort Wayne, IN 46804 Phone: (800) 245-2744, Fax: (260) 969-4729 bschall@amerspec.com www.amerspec.com

88 | INSURANCE JOURNAL-NATIONAL REGION December 7, 2015

365 Miron Dr., Ste. D, Southlake, TX 76092 Phone: (817) 424-1996, Fax: (817) 481-0742 nena@auminsur.com www.auminsur.com P.O. Box 567, San Marcos, CA 92079 Phone: (760) 471-7116, Fax: (760) 471-9378 mnowell@amiscorp.com www.amisinsurance.com

17771 Cowan Ave., Ste. 100, Irvine, CA 92614 Phone: (949) 263-3300, Fax: (949) 553-0406 Shirley.Pettersen@amtrustgroup.com www.AmTrustSurety.com See Website for Locations, Headquarters - Charlotte, NC 28210 Phone: (704) 749-2700, Fax: (704) 943-9000 marketing@amwins.com www.amwins.com 214 Senate Ave., Ste. 201, Camp Hill, PA 17011 Phone: (717) 214-7557, Fax: (717) 214-2801 ben.francavilla@amwins.com www.amwins.com/apu

P.O. Box 1508, Sonoma, CA 95476 Phone: (800) 624-5829, Fax: (707) 996-2912 allane@apgen.com www.apgen.com

Appleby & Sterling

2290 Agate Ct., Ste. D, Simi Valley, CA 93065 Phone: (805) 583-9828, Fax: (805) 583-9832 mike@applebyandsterling.com www.applebyandsterling.com

Applied Underwriters, Inc.

P.O. Box 281900, San Francisco, CA 94128 Phone: (877) 234-4450, Fax: (877) 234-4452 sales@auw.com www.auw.com For more info, check out our ad on the Back Cover and pages 2 & 3 (National).

www.insurancejournal.com

2015 Annual Program Directory Volume II – Alphabetical Directory of Markets Arrowhead General Insurance Agency, Inc. 701 B St., Ste. 2100, San Diego, CA 92101 Phone: (800) 669-1889, Fax: (619) 881-8695 MarketingInfo@ArrowheadGrp.com www.ArrowheadGrp.com

P.O. Box 1532, Charlottesville, VA 22902 Phone: (800) 596-2156, Fax: (434) 979-8964 info@b-h-a.com www.b-h-a.com

Artex Risk Solutions, Inc.

Berkley Specialty Underwriting Managers, LLC Environmental Division

2 Pierce Place, Itasca, IL 60143 Phone: (630) 694-5050, Fax: (630) 285-4199 artexinfo@artexrisk.com www.artexrisk.com

303 W. Madison, Ste. 825, Chicago, IL 60606 Phone: (404) 443-2082, Fax: (312) 727-6060 jwyatt@berkleysum.com www.berkleysum.com/environmental.htm

e F

Ascinsure Specialty Risk

4 Gateway Ctr, 444 Liberty Ave, Ste. 400, Pittsburgh, PA 15222 Phone: (877) 372-0517, Fax: (888) 316-9016 newbusiness@ascinsure.com www.ascinsure.com

1450 Hughes Rd, Ste. 109, Grapevine, TX 76051 Phone: (817) 424-5335, Fax: (817) 424-3772 jbrecht@brechtassoc.com www.brechtassoc.com

Brightstone Insurance Services, LLC

2040 N. Loop 336 W, Ste. 200, Conroe, TX 77304 Phone: (936) 441-5959, Fax: (936) 521-5922 rcranford@ashleyga.com www.ashleyga.com

Atlas General Insurance Services

4365 Executive Dr., Ste. 400, San Diego, CA 92121 Phone: (877) 662-8527, Fax: (619) 814-8914 info@atlas.us.com atlas.us.com

Atlass Insurance Group

1300 SE 17 St., Ste. 220, Fort Lauderdale, FL 33316 Phone: (954) 653-2852, Fax: (954) 525-1183 lsherrod@atlassinsurance.com www.atlassinsurance.com Atlass have been a Marine Insurance Specialists since 1981. They represent the leading domestic “A” rated Companies and are also a Lloyd’s Coverholder / MGA. They are able to provide prompt quotation terms with excellent commissions for all types of Marine exposures.

198 W. High St., Somerville, NJ 08876 Phone: (908) 947-0867, Fax: (908) 253-8503 info@axonu.com www.axonu.com

1800 Gateway Dr., Ste. 300, San Mateo, CA 94404 Phone: (800) 652-1772, Fax: (800) 227-2090 marcom@camico.com www.camico.com

3 Wing Dr., Cedar Knolls, NJ 07927 Phone: (888) 386-5701, Fax: (973) 359-0133 paulm@brewerypak.com www.brewerypak.com

Ashley General Agency

Care Providers Insurance Services, LLC 16301 Quorum Rd., Ste. 100A, Addison, TX 75001 Phone: (800) 761-7072, Fax: (800) 224-7145 parcher@nsminc.com www.ins-cps.com

145 Huguenot St., Ste. 501, New York, NY 10801 Phone: (877) 862-4755, Fax: (914) 636-0802 bgarner@brightstoneins.com www.brightstoneins.com/deliveryinsurance

Centurion Insurance Group

Centurion Place - P.O. Box 959, Hanover, NH 03755 Phone: (603) 643-2000, Fax: (603) 643-2740 esther@centurionusa.com www.centurionusa.com

145 Huguenot St., New Rochelle, NY 10802 Phone: (877) 862-4755, Fax: (914) 636-0802 info@brightstoneins.com www.brightstoneins.com

Charity First Insurance Services, Inc.

1255 Battery St., Ste. 450, San Francisco, CA 94111 Phone: (800) 352-2761, Fax: (415) 536-4033 Riley_Binford@charityfirst.com www.charityfirst.com

Brownyard Group

21 Maple Ave., P.O. Box 9175, Bay Shore, NY 11706 Phone: (800) 645-5820, Fax: (631) 666-5723 info@brownyard.com www.brownyard.com

ChemPlan - Chemical Insurance 8121 Vicela Dr., Sarasota, FL 34240 Phone: (800) 410-1511, Fax: (941) 379-2668 dhagan@chemplan.net www.chemplan.net

Brownyard Programs, Ltd. 91 E. Main St., Bay Shore, NY 11706 Phone: (631) 581-9300, Fax: (631) 581-9385 info@brownyardprograms.com www.brownyardprograms.com

CIBA Insurance Services

We are Program Administrators focused exclusively on the Private Security Industry. We provide General/Professional Liability, Foreign Liability, Excess/Umbrella Liability, Workers’ Comp & Crime to Security Guard, Private Investigation, Background Screening, Security Consultant, Armored Car, Burglar/Fire Alarm & CCTV/Access Control Companies throughout the U.S.

BUA, LLC

6951 W. Sunrise Blvd., Plantation, FL 33313 Phone: (954) 473-4488, Fax: (954) 316-3100 businessdevelopment@bassuw.com www.bassuw.com

www.insurancejournal.com

655 N. Central Ave., Ste. 2100, Glendale, CA 91203 Phone: (818) 638-8525, Fax: (818) 638-8551 wswanson@cibaservices.com www.cibaservices.com

CID Insurance Programs, Inc.

7125 El Cajon Blvd., Ste. 3, San Diego, CA 92115 Phone: (800) 922-7283, Fax: (619) 593-2008 programs@cidinsurance.com www.agostiniwholesale.com

CITA Insurance Services, A Div of Brown & Brown Program Ins. Svcs

22 Deer St., Ste. 400, Portsmouth, NH 03801 Phone: (888) 772-5005, Fax: (603) 372-5990 raudet@buainsurance.com www.buainsurance.com

Builders & Tradesmen’s Insurance Services, Inc.

Bass Underwriters

CalSurance Associates, A Div of Brown & Brown Program Ins. Svcs

CAMICO

Brewery Pak Insurance Programs

Brightstone Delivery Insurance, LLC

See website for addresses Headquarters - Detroit/Farmington Hills, MI 48334 Phone: (248) 932-9000, Fax: (248) 932-9046 quote@burns-wilcox.com www.burnsandwilcox.com Check out our ad on page 7 (National) & 1 (West).

681 S. Parker St., Ste. 300, Orange, CA 92868 Phone: (888) 492-4060, Fax: (800) 607-6875 info@calsurance.com www.calsurance.com

Brecht & Associates

Ascinsure can write your hard-to-place risks in these niche areas: Cranes- Exclusive Program; Equipment Rental & Party Goods Dealers- Exclusive Program; Scaffolding- Exclusive Program; Inland Marine. Complete coverage options, knowledgeable staff, and competitive commissions.

Axon Underwriting Partners, LLC

Burns & Wilcox - All Offices

Beacon Hill Associates, Inc.

6610 Sierra College Blvd., Rocklin, CA 95677 Phone: (877) 649-6682, Fax: (916) 772-9292 info@btisinc.com www.btisinc.com

681 S. Parker St., Ste. 300, Orange, CA 92868 Phone: (888) 594-4095, Fax: (714) 978-2692 inquiries@citainsurance.com www.citainsurance.com

Burnett & Company, Inc.

1300 Post Oak Blvd., Ste. 700, Houston, TX 77056 Phone: (713) 243-4300, Fax: (713) 243-4399 bgeorgiou@bcoinc.com www.bcoinc.com For more info, see our ad on page 8 (S. Central).

Commercial Sector Insurance Brokers, LLC 600 Corporate Pkwy, Ste. 250, Birmingham, AL 35242 Phone: (205) 776-1600, Fax: (205) 776-1619 landrews@comsectorins.com www.comsectorins.com

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2015 Annual Program Directory Volume II – Alphabetical Directory of Markets Community Association Insurance Solutions, LLC 5045 Robert J. Mathews Pwky, Ste. 100 El Dorado Hills, CA 95762 Phone: (888) 833-4158, Fax: (888) 833-4159 marketing@mgalive.com www.MGAlive.com

Compass Insurance Group of Agencies 9310 Topanga Canyon Blvd., Chatsworth, CA 91311 Phone: (818) 507-1980, Fax: (818) 545-3818 mail@compasseands.com www.compasseands.com For more info, see our ad on page 11 (West).

Construction Insurance Partners

308 N. 21st St., Ste. 200, St. Louis, MO 63103 Phone: (314) 554-9754, Fax: (314) 342-7170 johnc@cip-stl.com www.cip-stl.com

Construction Insurance Solutions 150 E. 22nd St., Lombard, IL 60148 Phone: (800) 842-3653, Fax: (630) 705-1056 byron@normanspencer.com www.constructioninsurancesolutions.com

Crouse & Associates

650 California St., Ste. 1100, San Francisco, CA 94108 Phone: (415) 982-3870, Fax: (415) 982-2546 info@crousesf.com www.crouseandassociates.com

Crusader Insurance Company

26050 Mureau Rd., Calabasas, CA 91302 Phone: (800) 669-9800, Fax: (818) 591-9856 dklayman@crusaderinsurance.com www.crusaderinsurance.com

Delta General Agency Corp.

P.O. Box 2045, Houston, TX 77252 Phone: (713) 570-2700, Fax: (713) 570-2800 billf@deltains.com www.deltains.com

DMI Insurance Services

330 Tennant Ave., Morgan Hill, CA 95037 Phone: (800) 877-2525, Fax: (408) 778-9277 info@dmi-insurance.com www.dmi-insurance.com

Continental Underwriters, Inc.

4901 Dickens Rd., Ste. 110, Richmond, VA 23230 Phone: (804) 643-7800, Fax: (804) 643-5800 preston@contund.com www.contund.com

Empire Underwriters, LLC 12300 Race Track Rd., Tampa, FL 33626 Phone: (800) 758-8113, Fax: (813) 448-9310 quotes@empireunderwriters.com www.empireunderwriters.com

Empire Underwriters is a national Insurance Wholesaler, Excess and Surplus lines Facility and Program Manager who aims to help you, the Producer, to write more business. Whether a Niche Account or Main Street Business, Empire has New Online Raters providing you with instant quotes and indications and access to new markets quickly.

Equisure, Inc.

13790 E. Rice Pl., Ste. 100, Aurora, CO 80015 Phone: (800) 752-2472, Fax: (303) 614-6967 info@equisure-inc.com www.equisure-inc.com

Cosmetic Insurance Services, a div of Frenkel & Company

601 Plaza 3, 6th Fl, Jersey City, NJ 07311 Phone: (201) 356-0057, Fax: (201) 356-0055 khegel@frenkel.com www.frenkel.com/cosmetic-insurance.html For more info, see our ad on page 33 (National).

Costanza Insurance Agency, Inc.

9101 LBJ Freeway, Ste. 150, Dallas, TX 75243 Phone: (800) 346-0942, Fax: (972) 991-2139 b.costanza@cia-tx.com www.costanzainsurance.com

CPA Protector Plan

655 North Franklin St., Ste. 1800, Tampa, FL 33602 Phone: (800) 438-1263, Fax: (813) 222-4165 cpa@bbprograms.com www.cpaprotectorplan.com

CRC Insurance Services - All Offices

See Website for Locations Corporate Headquarters - Birmingham, AL 35209 Phone: (205) 870-7790, Fax: (205) 879-3739 marketing@crcins.com www.crcins.com

CRES Insurance Services

15373 Innovation Dr., Ste. 250, San Diego, CA 92128 Phone: (800) 880-2737, Fax: (858) 618-1655 info@cresprograms.com www.cresprograms.com

2400 E. Katella Ave., Ste. 500, Anaheim, CA 92806 Phone: (714) 221-9530, Fax: (714) 876-2280 meskod@es.gjs.com www.gjsullivan.com For more info, see our ad on page 29 (National).

Gabor Insurance Services, Inc.

7270 NW 12 St., Ste. 700, Miami, FL 33126 Phone: (786) 924-7055, Fax: (786) 924-7065 mgabor@gaborinsurance.com www.gaborinsurance.com

Gales Creek Insurance, A Div of JD Fulwiler & Co. 5727 SW Macadam, Portland, OR 97239 Phone: (503) 293-8325, Fax: (503) 293-5418 bbaker@jdfulwiler.com www.galescreek.com

Gateway Specialty Insurance

1170 Devon Park Dr., Wayne, PA 19087 Phone: (877) 977-4474, Fax: (610) 254-1855 info@gatewayspecialty.com www.gatewayspecialty.com

Gerald J. Wilkoff, Inc.

Continental Brokers, Inc.

212 Key Dr., Ste. A, Madison, MS 39110 Phone: (866) 386-4136, Fax: (601) 898-4793 cs@continentalbrokers.biz www.continentalbrokers.biz

G.J. Sullivan Company

Euclid Architects & Engineers and Euclid Public Sector 234 Spring Lake Dr., Itasca, IL 60143 Phone: (630) 238-1900, Fax: (630) 773-8590 mail@euclidae.com www.euclidae.com | www.euclidps.com

95 Main St., Mineola, NY 11501 Phone: (516) 747-0200, Fax: (516) 747-2021 info@wilkoffbonds.com www.wilkoffbonds.com

Glatfelter Healthcare Practice

P.O. Box 2726, York, PA 17405 Phone: (800) 233-1957, Fax: (717) 747-7021 GHP@glatfelters.com www.glatfelterhealthcarepractice.com

Glatfelter Insurance Group

183 Leader Heights Rd., York, PA 17402 Phone: (800) 233-1957, Fax: (717) 747-7044 inquiries@glatfelters.com www.glatfelters.com

Glatfelter Public Practice

P.O. Box 2726, York, PA 17405 Phone: (800) 233-1957, Fax: (717) 747-7044 inquiries@GlatfelterPublicPractice.com www.GlatfelterPublicPractice.com

Glatfelter Religious Practice

183 Leader Heights Rd., York, PA 17402 Phone: (800) 233-1957, Fax: (717) 747-7060 info@GlatfelterReligiousPractice.com www.glatfelterreligiouspractice.com

Evolution Insurance Brokers 8722 S. Harrison St., Salt Lake City, UT 84070 Phone: (877) 678-7342, Fax: (801) 304-5551 quotes@eibdirect.com www.eibdirect.com

Financial Risk Solutions, Inc.

180 N. LaSalle St., Ste. 3700, Chicago, IL 60601 Phone: (866) 674-9503, Fax: (630) 371-0162 jwilson@financialrs.com www.financialrs.com

Fox Point Programs

3001 Philadelphia Pike, Claymont, DE 19703 Phone: (800) 499-7242, Fax: (302) 472-8529 info@foxpointprg.com www.foxpointprg.com

Freberg Environmental, Inc.

2000 S. Colorado Blvd., Tower II, Ste. 800, Denver, CO 80222 Phone: (800) 377-4152, Fax: (303) 623-8101 info@feiinsurance.com www.feiinsurance.com

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GMI Insurance Services

P.O. Box 701, Valley Forge, PA 19482 Phone: (610) 933-4679, Fax: (610) 933-4993 karen@gmi-insurance.com www.gmi-insurance.com

Gray-Stone & Company, Inc.

275 E. Hillcrest Dr., Ste. 250, Thousand Oaks, CA 91360 Phone: (805) 494-4440, Fax: (805) 299-4985 info@gray-stone.com www.gray-stone.com

www.insurancejournal.com

2015 Annual Program Directory Volume II – Alphabetical Directory of Markets J.M. Wilson

8036 Moorsbridge Rd., Portage, MI 49024 Phone: (800) 282-8113, Fax: (269) 327-2620 cbaldwin@jmwilson.com www.jmwilson.com

Great American Insurance Group Executive Liability Division

1515 Woodfield Rd., Ste. 500, Schaumburg, IL 60173 Phone: (847) 330-6750, Fax: (513) 929-6890 ELD@gaic.com www.GreatAmericanELD.com For more info, see our ad on page 16 (National).

Grundy Insurance

P.O. Box 1957, Horsham, PA 19044 Phone: (877) 338-4004, Fax: (215) 674-5716 clint@grundy.com www.grundy.com/utility

Guardian Insurance Wholesalers, Inc. P.O. Box 119, Leitchfield, KY 42755 Phone: (270) 230-0340, Fax: (270) 230-0344 dlhuff@guardian-ins.com www.guardian-ins.com

Hagerty Insurance Agency, LLC

141 Rivers Edge Dr., Ste. 200, Traverse City, MI 49684 Phone: (800) 747-5348, Fax: (231) 941-8227 agent@hagerty.com www.hagerty.com

HCC Specialty

2300 Clayton Rd., Ste. 1100, Concord, CA 94520 Phone: (925) 685-1600 jbechter@hcc.com www.hccspecialty.com

HCC Specialty (MA)

401 Edgewater Pl., Ste. 400, Wakefield, MA 01880 Phone: (800) 927-6306, Fax: (781) 994-6001 mmatheson@hcc.com www.hccspecialty.com

Herbert H. Landy Insurance 75 Second Ave., Needham, MA 02494 Phone: (800) 336-5422, Fax: (800) 344-5422 johnt@landy.com www.landy.com

Horizon Risk Insurance Services, Inc.

11839 Sorrento Valley Road, Suite 908, San Diego, CA 92121 Phone: (805) 494-6553, Fax: (805) 494-6778 info@horizonriskinsurance.com www.horizonriskinsurance.com

Hotels & Resorts Insurance Program - CITA Insurance Services 681 S. Parker St., Ste. 300, Orange, CA 92868 Phone: (800) 690-4841, Fax: (714) 939-7437 sbaxter@citainsurance.com www.citainsurance.com

Indemnity Excess & Surplus Agency, Inc.

1915 NW AmberGlen Pky, Ste. 450, Beaverton, OR 97006 Phone: (800) 487-2442, Fax: (503) 526-9700 jimh@ies-xs.com www.ies-xs.com

Innovative Risk Solutions

P.O. Box 530210, DeBary, FL 32753 Phone: (954) 931-4795, Fax: (866) 847-5565 jwatt@irs-incorporated.com www.irs-incorporated.com

Insurance Center Special Risks, Ltd. 20 Gold St, Agawam, MA 01001 Phone: (888) 773-7475, Fax: (413) 781-0050 info@specilarisksltd.com www.specialrisksltd.com www.insurancejournal.com

Insurance Programs of America, Inc. 240 Lookout Place, Maitland, FL 32751 Phone: (407) 260-8200, Fax: (321) 281-4475 sburkey@ipoausa.com ipoausa.com

Insurance Programs of America (IPOA) is a national MGU brokerage company offering agents specialized coverage for niche industries, including restaurants, hotels, senior living facilities, and more. Our exclusive programs, superior service, and expert underwriters set IPOA apart from other brokers.

Insurtec Tanning and Spa Insurance P.O. Box 25, Rich Hill, MO 64479 Phone: (800) 606-0621, Fax: (417) 395-2713 info@insurtecinc.com www.insurtecinc.com

1712 Magnavox Way, Ft. Wayne, IN 46804 Phone: (800) 637-4757, Fax: (260) 459-5800 kk.general@kandkinsurance.com www.kandkinsurance.com

4 Centerpointe Dr. Ste.300, La Palma, CA 90623 Phone: (800) 229-8790, Fax: (562) 685-0202 elitcher@meadowbrook.com www.interlineinsurance.com

KBK Insurance Group, Inc.

1425 Sams Ave., Harahan, LA 70123 Phone: (504) 736-0690, Fax: (504) 736-9030 kylemurray@kbkinsgroup.com www.kbkinsgroup.com

International Excess Companies

3700 Park East Dr., Ste. 250, Beachwood, OH 44122 Phone: (800) 937-3497, Fax: (888) 291-1382 kennethkukral@intlxs.com www.intlxs.com

Kevin Davis Insurance Services

800 W. Sixth St., Ste. 1700, Los Angeles, CA 90017 Phone: (877) 807-8708, Fax: (213) 477-2057 sbranson@kdins.com www.kdisonline.com

International Excess Program Managers 3700 Park East Dr., Beachwood, OH 44122 Phone: (800) 937-3497 webinquiry@intlxs.com www.xsprograms.com

King Insurance Support Systems

International Transportation & Marine Agency, Inc.

Irwin Siegel Agency, Inc.

25 Lake Louise Marie Rd., Rock Hill, NY 12775 Phone: (800) 622-8272, Fax: (845) 796-3661 siegel@siegelagency.com www.siegelagency.com

IT Risk Managers, Inc.

4225 Okemos Rd., Ste. B, Okemos, MI 48864 Phone: (517) 381-9909, Fax: (517) 908-9798 info@itriskmanagers.com www.ITRiskmanagers.com

Izzo Insurance Services, Inc.

150 S. Bloomingdale Rd., Bloomingdale, IL 60108 Phone: (800) 800-1704, Fax: (630) 582-2803 Info@IzzoInsurance.com www.IzzoInsurance.com

One Bridge Plaza N, Ste. 445, Fort Lee, NJ 07024 Phone: (201) 585-6500, Fax: (201) 585-6590 john.tateossian@hubinternational.com Bruce.Rector@hubinternational.com www.ElevatorInsurance.com

K&K Insurance Group, Inc.

Interline Insurance Services

P.O. Box 1150, Gardnerville, NV 89410 Phone: (775) 782-6655, Fax: (775) 782-6654 tammy@ipc-nv.com www.ipc-nv.com

JM Assoc / Burnham + Co, a Div of Hub Int’l Northeast, Ltd.

P.O. Box 899, Charleston, SC 29402 Phone: (843) 577-1484, Fax: (843) 577-1584 pmb@jjins.com www.jjins.com

1438-F W. Main St., Ephrata, PA 17522 Phone: (717) 721-3500, Fax: (717) 721-3515 info@intercorpinc.net www.intercorpinc.net

IPC

22 Century Hill Dr., Latham, NY 12110 Phone: (800) 998-5545, Fax: (518) 782-3139 jltsubmissions@jltfacilities.com www.jltfacilities.com

Johnson & Johnson

Intercorp, Inc.

7835 E. Evans Rd., Bldg 300, Scottsdale, AZ 85260 Phone: (480) 556-0200, Fax: (480) 556-0201 info@itmagency.com www.itmagency.com

JLT Facilities, Inc.

31381 Rancho Viejo Rd., Ste. 101, San Juan Capistrano, CA 92675 Phone: (800) 488-4096, Fax: (949) 488-2259 Marketing@kinginsuranceca.com www.kinginsuranceca.com

Lancer Indemnity Company

P.O. Box 9007, Long Beach, NY 11561 Phone: (516) 825-2800, Fax: (516) 825-1947 clp@lancerinsurance.com www.lancerinsurance.com

Lancer Insurance Company

370 W. Park Ave., Long Beach, NY 11561 Phone: (516) 431-6200, Fax: (516) 431-0488 commauto@lancerinsurance.com www.lancerinsurance.com

Lawyer’s Protector Plan ®

655 N. Franklin St., Ste. 1900, Tampa, FL 33602 Phone: (800) 336-5529, Fax: (813) 223-9547 lpp@bbprograms.com www.lppinsurance.com

Lee & Mason

195 Farmington Ave., Ste. 301, Farmington, CT 06032 Phone: (860) 677-0500, Fax: (860) 677-1227 lindab@leeandmason.com www.leeandmason.com

LIG Marine Managers

300 1st Ave S, Ste. 400, St. Petersburg, FL 33701 Phone: (727) 578-2800, Fax: (727) 578-9977 KLT@LIGMarine.com www.LIGMarine.com

December 7, 2015 INSURANCE JOURNAL-NATIONAL REGION | 91

2015 Annual Program Directory Volume II – Alphabetical Directory of Markets Liquor Pak Insurance Programs

MBA Insurance Agency of AZ, Inc. 8383 E. Evans Rd., Scottsdale, AZ 85029 Phone: (480) 946-1066, Fax: (480) 946-0288 info@mbainsurance.net www.mbainsurance.net

N-Surance Outlets, Inc. (Georgia)

3 Wing Dr., Cedar Knolls, NJ 07927 Phone: (888) 386-5701, Fax: (973) 359-0133 larryc@liquorpak.com www.liquorpak.com

Logic Underwriters, Inc.

McClelland and Hine, Inc.

P.O. Box 700930, San Antonio, TX 78270 Phone: (210) 366-2500, Fax: (210) 366-2407 gil@mhi-mga.com www.mhi-mga.com

NAS Insurance Services

P.O. Box 600249, Dallas, TX 75360 Phone: (214) 739-0071, Fax: (214) 739-0072 paul@logicinsurance.com www.logicinsurance.com

Loveland & Smart Insurance Services, Inc.

McLeckie Insurance Group

P.O. Box 770, Naples, TX 75568 Phone: (903) 897-9090, Fax: (903) 897-0062 mcleckie@msn.com www.mcleckie.com

National Advantage Insurance Services, Inc.

9700 Fair Oaks Blvd., Ste. A, Fair Oaks, CA 95628 Phone: (916) 362-5500, Fax: (916) 362-5595 Rett@lovelandsmart.com www.lovelandsmart.com

M.J. Hall & Company, Inc.

Mercer Consumer, a svc of Mercer Health & Benefits Admin

National Indemnity Company

P.O. Box 192, Stockton, CA 95201 Phone: (209) 948-8108, Fax: (209) 465-3843 mindy@mjhallandcompany.com www.mjhallandcompany.com For more info, see our ad on page 12 (West).

M.J. Kelly Company

4415 E. State Highway D, Springfield, MO 65809 Phone: (800) 725-7211, Fax: (417) 883-7103 SSmart@mjkelly.com www.mjkelly.com

12421 Meredith Dr., Urbandale, IA 50398 Phone: (866) 486-1946 PLSales.service@mercer.com www.proliability.com

Meridian Finance Group

1247 7th St., Ste. 200, Santa Monica, CA 90401 Phone: (310) 260-2130, Fax: (310) 260-2140 gmendell@meridianfinance.com www.meridianfinance.com

MacAfee & Edwards, Inc. - Mexican Insurance Specialist 700 S. Flower St., Ste. 1216, Los Angeles, CA 90017 Phone: (213) 629-9777, Fax: (213) 629-9779 juan@mexicard.com www.macafeeandedwards.com

Maritime Program Group

P.O. Box 969, Westbrook, CT 06498 Phone: (800) 366-8086, Fax: (860) 399-3695 dpesce@maritimepg.com www.maritimepg.com

Mark D. Fredricksen Insurance Services 1600 E. Florida Ave., Ste. 208, Hemet, CA 92544 Phone: (800) 669-4347, Fax: (951) 929-3574 markf@fredricksenins.com www.fredricksenins.com

Markel Personal Lines

MexiPass International Insurance Services, LLC P.O. Box 60727, Pasadena, CA 91116 Phone: (800) 639-4727, Fax: (800) 639-4329 jorge@mexipass.com www.mexipass.com

MexiPass is the leading Managing General Agent in the USA for placement of insurance in Mexico. MexiPass products include Commercial Lines & Personal Lines for the needs of Americans in Mexico and other foreign Countries.

Midlands

P.O. Box 906, Pewaukee, WI 53072 Phone: (262) 548-9880, Fax: (262) 547-9436 maicmarketing@markelcorp.com www.markelmarine.com

Markel Specialty

MiniCo Insurance Agency, LLC

MarketScout

12700 Park Central Dr., Ste. 300, Dallas, TX 75251 Phone: (972) 934-4200, Fax: (972) 934-4299 markets@marketscout.com www.marketscout.com

16501 Ventura Blvd., Ste. 200, Encino, CA 91436 Phone: (818) 382-6116, Fax: (818) 382-2040 info@nasinsurance.com www.nasinsurance.com P.O. Box 1065, Tustin, CA 92781 Phone: (714) 505-1015, Fax: (714) 505-1025 clifford@naisins.com www.naisins.com

3024 Harney St., Omaha, NE 68131 Phone: (402) 916-3000, Fax: (402) 916-3030 jpgiandinoto@nationalindemnity.com www.nationalindemnity.com

National Insurance Underwriters

800 Yamato Rd., Ste. 100, Boca Raton, FL 33428 Phone: (800) 338-2680, Fax: (561) 226-1123 ccalver@niuw.com www.niuw.com

National Interstate Insurance Company 3250 Interstate Dr., Richfield, OH 44286 Phone: (800) 929-1500, Fax: (330) 659-8907 marketing@NATL.com www.NATL.com

3817 NW Expressway, Ste. 1000, Oklahoma City, OK 73112 Phone: (800) 800-4007, Fax: (405) 840-5432 marketing@midman.com www.midlandsmgt.com For more info, see our ad on page 38 (National).

4600 Cox Rd., Glen Allen, VA 23060 Phone: (800) 431-1270, Fax: (804) 965-1689 eservice@markelcorp.com www.markelinsurance.com

P.O. Box 2600, Roswell, GA 30077 Phone: (800) 366-1450, Fax: (770) 971-7608 jmurrey@nsoins.com www.nsoins.com

10851 N. Black Canyon Hwy, Ste. 200, Phoenix, AZ 85029 Phone: (800) 447-8383, Fax: (602) 861-1094 customercare@minico.com www.minico.com

Monarch E&S Insurance Services

2540 Foothill Blvd., Ste. 101, La Crescenta, CA 91214 Phone: (818) 249-0100, Fax: (818) 249-1166 monarchxs@monarchexcess.com www.monarchexcess.com For more info, see our ad on page 3 (West).

NBIS

2859 Paces Ferry Rd. SE, 800 Overlook III, Atlanta, GA 30339 Phone: (770) 257-1777, Fax: (770) 257-1500 contactus@nbis.com www.NBIS.com

Negley Associates

103 Eisenhower Pkwy, Ste. 101, Roseland, NJ 07068 Phone: (973) 830-8500, Fax: (973) 830-8585 info@jjnegley.com www.jjnegley.com

NeitClem Wholesale Insurance Brokerage, Inc. 7442 N. Figueroa St., Los Angeles, CA 90041 Phone: (323) 258-2600, Fax: (323) 258-2676 jcenteno@neitclem.com www.neitclem.com

New Empire Group

214 W. Park Ave., Long Beach, NY 11561 Phone: (516) 431-8300, Fax: (516) 431-5351 jimo@newempiregroup.com www.newempiregroup.com

Next Wave Insurance Services, LLC

110 West A Street, STE 675, San Diego, CA 92101 Phone: (619) 232-3900, Fax: (619) 234-6500 cward@nextwaveins.com www.nextwaveins.com

Monitor Liability Managers

233 S. Wacker Dr., Ste. 3900, Chicago, IL 60606 Phone: (312) 800-6200, Fax: (312) 207-1839 contactus@monitorliability.com www.monitorliability.com

MAXIMUM

222 S. Riverside Plaza, Ste. 2340, Chicago, IL 60606 Phone: (312) 559-9348, Fax: (312) 559-0930 joem@maxib.com www.maxib.com

N-Surance Outlets, Inc. (Florida)

520 E. Tarpon Ave., Tarpon Springs, FL 34689 Phone: (727) 942-6780, Fax: (727) 937-0505 info@nsoins.com www.nsoins.com

92 | INSURANCE JOURNAL-NATIONAL REGION December 7, 2015

NIF Group, Inc.

30 Park Ave., Manhasset, NY 11030 Phone: (516) 365-7440, Fax: (516) 365-7392 marketing@nifgroup.com www.nifgroup.com NIF Group Inc. is a program administrator and wholesale brokerage firm. We have exclusive programs for nonprofits, public entities and contracts. We are also an MGA and wholesale brokerage firm. www.insurancejournal.com

2015 Annual Program Directory Volume II – Alphabetical Directory of Markets Nonprofits Insurance Alliance of Calif.

P.O. Box 8507, Santa Cruz, CA 95061 Phone: (800) 359-6422, Fax: (831) 459-0853 sbradshaw@insurancefornonprofits.org www.insurancefornonprofits.org

Norman-Spencer Agency, Inc.

8075 Washington Village Dr., Dayton, OH 45458 Phone: (800) 543-3248, Fax: (937) 432-1635 info@norman-spencer.com www.norman-spencer.com

Norman-Spencer International, Inc. 150 E. 22nd St., Lombard, IL 60148 Phone: (630) 705-4140, Fax: (630) 705-1056 gretchen@normanspencer.com www.normanspencer.com

Number One Insurance Agency

91 Cedar St., Milford, MA 01757 Phone: (508) 634-2902, Fax: (508) 634-2930 info@massagent.com www.massagent.com

OneBeacon Government Risks

Platinum Program Managers & Insurance Services, Inc.

Professional Underwriters Agency, Inc. 2803 Butterfield Rd., Ste. 260, Oakbrook, IL 60523 Phone: (630) 572-0600, Fax: (630) 572-0615 Sandip@puainc.com www.puainc.com

3404 Via Oproto, Ste. 202, Newport Beach, CA 92663 Phone: (949) 209-0233, Fax: (949) 209-0272 danr@ppmins.com www.ppmins.com

Program Risk Specialists

PMC Insurance Group

3025 Windward Plaza, Ste. 400, Alpharetta, GA 30005 Phone: (678) 802-4032, Fax: (770) 396-7699 jware@geneseeins.com www.programrisks.com

209 Burlington Rd., Ste. 109, Bedford, MA 01730 Phone: (781) 449-7744, Fax: (781) 449-7889 dmalloy@pmcinsurance.com www.pmcinsurance.com

ProSurance Group, Inc.

Poindexter Surety Services

2685 Marine Way, Ste. 1408, Mountain View, CA 94043 Phone: (650) 428-0818, Fax: (650) 428-0860 financialservices@prosurancegroup.com www.prosurancegroup.com

P.O. Box 37284, Raleigh, NC 27627 Phone: (919) 859-5294, Fax: (919) 834-7039 SuretyOne@poindextersuretyservices.com www.poindextersuretyservices.com

ProWriters

Preferred Concepts, LLC

41 Leopard Rd., Ste. 301, Paoli, PA 19301 Phone: (484) 321-2335, Fax: (484) 321-2339 info@prowritersins.com www.prowritersins.com

14 Wall St., 18th Fl, New York, NY 10005 Phone: (212) 608-9400, Fax: (212) 608-6268 requestinfo@preferredconcepts.com www.preferredconcepts.com

PULIC Program - TDC Specialty Insurance Co.

188 Inverness Dr. W, Ste. 600, Englewood, CO 80112 Phone: (781) 332-8505, Fax: (781) 332-8525 byork@onebeacongov.com www.onebeacongov.com

1888 Century Park E, Ste. 850, Los Angeles, CA 90067 Phone: (800) 537-7362, Fax: (866) 344-6029 info@pulic.com www.pulic.com

Oryx Insurance Brokerage, Inc.

2 Court St., Binghamton, NY 13903 Phone: (607) 724-0173, Fax: (607) 724-7266 tcappellett@oryxinsurance.com www.oryxinsurance.com

Parcel Insurance Plan

PO Box 66708, St. Louis, MO 63166 Phone: (800) 325-7390 office@pipinsure.com www.pipinsure.com

Patriot National Underwriters, Inc. P.O. Box 803143, Dallas, TX 75380 Phone: (972) 239-1458, Fax: (972) 233-3487 corky.ellis@patriotnational.com www.patriotnational.com

Paul Hanson Partners Specialty Ins. Solutions/ Mover’s Choice Program P.O. Box 5990, Napa, CA 94581 Phone: (800) 852-1968, Fax: (707) 252-5905 coryt@paulhanson.com www.paulhanson.com

PBS Insurance Underwriting Corporation 303 Middletown Park Pl., Ste. F, Louisville, KY 40243 Phone: (502) 244-1056, Fax: (502) 254-1056 pbs@pbsinsurance.com www.pbsinsurance.com

Personal Safeguards Group, LLC

830 W. Route 22, Ste. 151, Lake Zurich, IL 60047 Phone: 1 (847) 275-8497, Fax: 1 (847) 999-0774 mike@personalsafeguards.com www.personalsafeguardsgroup.com

Quadrant Insurance Managers 960 Holmdel Rd., Bldg 1, Holmdel, NJ 07733 Phone: (888) 548-2465, Fax: (732) 946-0547 info@ppp-quotes.com www.ppp-quotes.com

One Bala Plaza, Bala Cynwyd, PA 19004 Phone: (800) 873-4552, Fax: (610) 617-7940 phlysales@phly.com www.phly.com For more info, see our ad on page 21 (National).

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Quaker Special Risk (Florida)

Specializing in the commercial real estate maketplace. We offer umbrellas for Condos, HOA’S, PUD’S, Apartments and Timeshare Associations. We also offer umbrellas and boiler and machinery coverage for commercial lessors risk only (LRO) policies.

51 Harvard St., Worcester, MA 01609 Phone: (800) 252-8679, Fax: (508) 753-0646 kbranscombe@quakerma.com www.quakerma.com

303 W. Madison St., Ste. 2075, Chicago, IL 60606 Phone: (800) 257-5590, Fax: (877) 452-6910 RJL@primeis.com www.primeis.com

Quaker Special Risk (New Jersey)

Proctor Financial, Inc.

P.O. Box 1350, Eatontown, NJ 07724 Phone: (800) 447-4180, Fax: (732) 223-9072 fwalsh@qsr-insurance.com www.qsr-insurance.com

5225 Crooks Rd., Troy, MI 48098 Phone: (800) 521-6800, Fax: (248) 824-7113 dwhipple@pfic.com www.pfic.com

Quaker Special Risk (New York)

Professional Insurance Concepts (Formerly Crump Prof. Concepts)

50 Main St., Ste. 1000, White Plains, NY 10601 Phone: (800) 447-4180, Fax: (212) 244-5371 quaker@qsr-insurance.com www.qsr-insurance.com

105 Eisenhower Pkwy., Roseland, NJ 07068 Phone: (973) 461-2181, Fax: (973) 364-9629 DGriffin@ProInsConcepts.com www.ProInsConcepts.com

Quirk & Company

Professional Liability Insurance Services, Inc. - Underwriting Facilities 5802 Thunderbird, Bldg 10, Ste. 100, Lago Vista, TX 78645 Phone: (800) 761-7547, Fax: (512) 327-5834 underwriting@plisinc.com www.plisinc.com 371 Bel Marin Keys Blvd., Novato, CA 94949 Phone: (415) 475-4300, Fax: (415) 475-4303 info@ppibcorp.com www.ppibcorp.com

224 Datura St., Ste. 715, W. Palm Beach, FL 33401 Phone: (866) 526-1545, Fax: (561) 833-6616 fwalsh@qsr-insurance.com www.qsr-insurance.com

Quaker Special Risk (Mass.)

Prime Insurance Company

Professional Program Insurance Brokerage

Philadelphia Insurance Companies

501 W. Schrock Rd., Ste. 301, Westerville, OH 43081 Phone: (614) 841-1425, Fax: (614) 841-1426 info@quadrant-us.com www.quadrant-us.com

Preferred Property Programs

P.O. Box 792030, San Antonio, TX 78279 Phone: (800) 299-9421, Fax: (210) 340-4075 rquirk@quirkco.com www.quirkco.com

R.V. Nuccio & Associates, Inc. 10148 Riverside Dr., Toluca Lake, CA 91602 Phone: (818) 980-1413, Fax: (818) 980-1595 rvna@rvnuccio.com www.rvnuccio.com

RealCare Insurance

19310 Sonoma Hwy, Sonoma, CA 95476 Phone: (800) 996-0599, Fax: (707) 935-7142 realcare@nfp.com www.realcareprograms.com

December 7, 2015 INSURANCE JOURNAL-NATIONAL REGION | 93

2015 Annual Program Directory Volume II – Alphabetical Directory of Markets RealProEandO

12421 Meredith Drive, Urbandale, IL 50398 Phone: (866) 486-1946 plsales.service@mercer.com www.realproeando.com

RelMark Program Managers

961 Pottstown Pike, Chester Springs, PA 19425 Phone: (800) 874-5880, Fax: (610) 321-1011 RRittersbach@relmarkgroup.com www.relmark.net

RISCO Insurance Brokerage, Inc.

60 Catamore Blvd., East Providence, RI 02914 Phone: (800) 533-3649, Fax: (401) 438-0980 pplumb@risco-inc.com www.risco-inc.com

Risk Transfer Programs, LLC

219 E. Livingston St., Orlando, FL 32801 Phone: (321) 281-0702, Fax: (407) 481-9969 dfabrizio@risktransfer.com www.risktransfer.com

RoamNet Insurance Marketing Programs 3333 E. Concours, Bldg 9-200, Ontario, CA 91764 Phone: (877) 272-0333, Fax: (909) 987-2245 aaronm@roamnetins.com www.roamnetins.com

Rockwood Programs, Inc.

3001 Philadelphia Pike, Claymont, DE 19703 Phone: (800) 558-8808, Fax: (302) 764-5477 darryl.mccallin@rockwoodinsurance.com www.rockwoodinsurance.com

Roush Insurance Services, Inc.

P.O. Box 1060, Noblesville, IN 46061 Phone: (800) 752-8402, Fax: (317) 776-6891 info@roushins.com www.roushins.com

RPS - Executive Lines Division

See Website - 60+ Locations, Headquarters - Itasca, IL 60143 Phone: (866) 595-8413, Fax: (312) 922-7563 contact_us@rpsins.com www.rpsins.com Check out our ad on pages 14 & 15 (National).

RPS Bollinger Sports & Leisure 101 JFK Pkwy, Short Hills, NJ 07078 Phone: (800) 526-1379, Fax: (973) 921-2876 deb_meslar@RPSins.com www.RPSins.com

RPS Healthcare

550 W. Van Buren, Ste. 1200, Chicago, IL 60607 Phone: (800) 766-7475, Fax: (312) 922-7563 bill_yurek@rpsins.com www.rpsins.com/healthcare

RPS NIPC

P.O. Box 834, Poulsbo, WA 98370 Phone: (800) 275-6472, Fax: (360) 697-3688 kathy_schufreider@rpsins.com www.rpsins.com

RSI International, Inc. (Missouri); dba Walter General Agency

Sovereign Group Int’l, Inc.

Russell Bond & Co., Inc.

Special Markets Insurance Consultants, Inc., An AmWINS Group Benefits Company

273 Clarkson Rd., Ste. 102, Ellisville, MO 63011 Phone: (636) 391-4841, Fax: (636) 391-2115 djwalter@rsimo.com www.rsimo.com 295 Main St., Ste. 866, Buffalo, NY 14203 Phone: (800) 333-7226, Fax: (800) 677-6779 info@russellbond.com www.russellbond.com

Safehold Special Risk

100 Glen Eagles Ct., Carrollton, GA 30117 Phone: (800) 842-8917, Fax: (770) 836-8563 hturner@safehold.com www.safehold.com

Sapphire Blue

180 N. Stetson Ave., 46th Floor, Chicago, IL 60601 Phone: (312) 784-6007, Fax: (312) 784-6002 nancy.mcmahon@sapphireblueuw.com www.sapphireblueuw.com

SASSI - Salon & Spa Specialty Insurance 21 Maple Ave., Bay Shore, NY 11706 Phone: (888) 823-9380, Fax: (631) 666-7646 info@brownyard.com www.sassiagency.com

Scottish American

17822 E. 17th St., Tustin, CA 92780 Phone: (714) 550-5050, Fax: (800) 378-8588 janet@scottishamerican.com www.scottishamerican.com

Shelly, Middlebrooks & O’Leary, Inc. (Jacksonville)

208 N. Laura St., Ste. 600, Jacksonville, FL 32202 Phone: (800) 342-2498, Fax: (904) 355-7611 cviawebsite@shellyins.com www.shellyins.com

Sierra Specialty

234 Clovis Ave., Clovis, CA 93612 Phone: (559) 256-6900, Fax: (559) 256-6950 Mark@SierraSpecialty.com www.SierraSpecialty.com

Smith, Bell & Thompson, Inc.

100 Bank St., Ste. 500, Burlington, VT 05401 Phone: (802) 658-4600, Fax: (802) 658-6191 willisnhprograms@willis.com www.willisprograms.com

South & Western General Agency, Inc. P.O. Box 9015, Addison, TX 75001 Phone: (800) 492-5351, Fax: (972) 855-2970 sales@southandwestern.com www.southandwestern.com

204 Cedar St., Cambridge, MD 21613 Phone: (800) 336-5659, Fax: (410) 228-7645 TechCyber@RPSins.com www.RPSins.com/TechCyber

10 S. LaSalle St., Ste. 2000, Chicago, IL 60603 Phone: (800) 818-7642, Fax: (704) 943-9060 nate.walker@amwins.com www.specialmarkets.com

Specialized Insurance

204 RTE. 112, Patchogue, NY 11772 Phone: (631) 758-6780, Fax: (631) 758-6781 weinsurefun@aol.com www.specializedinsurance.com

Specialty Insurance

1610 Route 88 Ste. 102, Brick, NJ 08724 Phone: (732) 701-8900, Fax: (732) 458-3728 mwatters@specialtyagency.com www.specialtyagency.com

Specialty Programs and Facilities Managers, Inc. (AmWINS) 790 E. Colorado Blvd., Ste. 510, Pasadena, CA 91101 Phone: (626) 395-0850, Fax: (626) 395-0853 kathleen.turknette@amwins.com www.specialtyprograms.net

Sports & Fitness Insurance Corporation (SFIC) 212 Key Dr., Ste. A, Madison, MS 39110 Phone: (800) 844-0536, Fax: (601) 853-6141 askus@sportsfitness.com www.sportsfitness.com/ij

Sun Coast General Insurance Agency P.O. Box 30750, Laguna Hills, CA 92654 Phone: (800) 300-8838, Fax: (949) 768-4045 jyeskin@suncoastinsurance.com www.SunCoastInsurance.com

Sunderland Insurance Services, Inc.

3021 Citrus Cir., Ste. 220, Walnut Creek, CA 94598 Phone: (925) 942-4020, Fax: (925) 942-4021 casualty@sunderlandins.com www.sunderlandins.com

SURETY ONE, Inc.

5 W. Hargett St., 4th Fl, Raleigh, NC 27601 Phone: (787) 333-0222, Fax: (919) 834-7039 Undewriting@SuretyOne.org www.SuretyOne.org

SWBC

9311 San Pedro, Ste. 600, San Antonio, TX 78216 Phone: (210) 525-1241, Fax: (210) 321-7530 swbcinfo@swbc.com www.swbc.com

South Texas General Insurance Agency

363 N. Sam Houston Pkwy E, Ste. 1000, Houston, TX 77060 Phone: (281) 820-0555, Fax: (281) 820-0688 floring@stgia.com www.stgia.com

Southwest Energy Underwriters, Inc. RPS Technology & Cyber

517 Rt 1 S, Ste. 3100, Iselin, NJ 08830 Phone: (732) 750-2300, Fax: (732) 750-1650 wlynch@sovereignins.com www.sovereignins.com

10707 Corporate Dr., Ste. 112, Stafford, TX 77477 Phone: (281) 313-2202, Fax: (281) 313-0215 kwendler@sweu.net www.sweu.net

Southwest Risk

8144 Walnut Hill Ln., Ste. 1400, Dallas, TX 75231 Phone: (214) 206-4900, Fax: (214) 206-4901 info@swrisk.com www.swrisk.com

94 | INSURANCE JOURNAL-NATIONAL REGION December 7, 2015

Swett & Crawford

See website for addresses, Headquarters - Atlanta, GA 30327 Phone: (404) 240-5200, Fax: (404) 240-5393 info@swett.com www.swett.com 100 + years of experience in helping to mitigate the risks of doing business here and around the globe. The blended strength of Swett & Crawford and Cooper Gay, with a combined $3.5 billion in premiums, delivers the world’s largest global wholesale brokerage and reinsurance org with more than 1400 insurance professionals in 60 offices on 4 continents.

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2015 Annual Program Directory Volume II – Alphabetical Directory of Markets T.H.E. Insurance Company

Unifax Insurance Systems, Inc.

TAPCO Underwriters, Inc.

Universal Insurance Programs

10451 Gulf Blvd., Treasure Island, FL 33706 Phone: (800) 237-3355, Fax: (727) 360-3498 marketing@theinsco.com www.theinsco.com 3060 S. Church St., Burlington, NC 27216 Phone: (800) 334-5579, Fax: (336) 584-8880 Jhendrsn@GoTAPCO.com www.GoTAPCO.com

Target Managers Insurance Services

10161 Park Run Dr., Ste. 150, Las Vegas, NV 89145 Phone: (702) 588-5300, Fax: (702) 588-5310 mkiger@targetmanagers.com www.targetmanagers.com

Target Professional Programs

10 Tower Lane, Avon, CT 06001 Phone: (860) 899-1862, Fax: (860) 284-1113 cfoley@target-capital.com www.TargetProIns.com

TCA, Inc.

10188 Big Canoe, Jasper, GA 30143 Phone: (770) 205-2958, Fax: (770) 205-2360 carlpeterson@tca-insurance.com www.tca-insurance.com

Tejas American General Agency

1620 La Jaita Dr., Ste. 300, Cedar Park, TX 78613 Phone: (888) 999-8242, Fax: (512) 342-2803 submissions@taga1.com www.taga1.com

Terheggen/Malone Marine Insurance P.O. Box 90249, Long Beach, CA 90809 Phone: (562) 916-7776, Fax: (562) 916-7750 tm@tmboatinsurance.com www.tmboatinsurance.com

The American Equity Underwriters, Inc. 32nd Fl, 11 N. Water St., Mobile, AL 36602 Phone: (866) 238-8754, Fax: (251) 690-4299 info@amequity.com www.amequity.com

The Hanover Insurance Group

440 Lincoln St., Worcester, MA 01653 Phone: (508) 855-1000, Fax: (508) 635-1193 etrevallion@hanover.com www.hanover.com

The Insurancenter

26050 Mureau Rd., Calabasas, CA 91302 Phone: (800) 669-9800, Fax: (818) 591-9856 dklayman@crusaderinsurance.com www.crusaderinsurance.com

The Mechanic Group, Inc.

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.

TitlePac, Inc.

201 Eastpointe Dr., Muskogee, OK 74403 Phone: (800) 331-9759, Fax: (918) 683-0166 info@titlepac.com www.titlepac.com

Topa Insurance Company

24025 Park Sorrento, Ste. 300, Calabasas, CA 91302 Phone: (818) 466-5900 dobrien@topa-ins.com www.topa-ins.com For more info, see our ad on page 7 (West).

Transpac Managers, Inc.

8140 Walnut Hill Ln., Ste. 302, Dallas, TX 75231 Phone: (214) 346-1512, Fax: (214) 346-1533 cwebb@transpacmgrs.com www.transpacmgrs.com

Trinity Transportation Services

43 Knight Boxx Rd #2, Orange Park, FL 32065 Phone: (904) 213-9518, Fax: (904) 278-7794 trish@ttsins.com www.ttsins.com

U.S. Brokers Network, Inc.

1832 Woodmoor Dr., Ste. 101, Monument, CO 80132 Phone: (719) 488-5502, Fax: (719) 487-1782 submissions@usbrokersnetwork.com www.usbrokersnetwork.com

U.S. Risk Insurance Group, Inc.

8401 N. Central Expy, Ste. 1000, Dallas, TX 75225 Phone: (800) 232-5830, Fax: (214) 265-4976 julieb@usrisk.com www.usrisk.com

2901 Arizona Ave., Joplin, MO 64804 Phone: (800) 444-8675, Fax: (417) 623-0902 cwspecialist@carwashinsurance.com www.carwashinsurance.com

UCA General Insurance Services 6363 Katella Ave., Cypress, CA 90630 Phone: (800) 222-5582, Fax: (714) 228-7855 bcolburn@ucageneral.com www.ucageneral.com

Ultra Risk Advisors

400 112th Ave. NE, Ste. 325, Bellevue, WA 98004 Phone: (425) 450-1090, Fax: (425) 450-1026 info@ultrariskadvisors.com www.ultrariskadvisors.com

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US Assure

8230 Nations Way, Jacksonville, FL 32256 Phone: (800) 800-3907, Fax: (888) 828-9427 info@usassure.com www.usassure.com US Assure manages, distributes and services programs for leading carriers in the construction and property insurance market.

US E&O Brokers

820 Gessner Rd., Ste.1680, Houston, TX 77024 Phone: (800) 460-6424, Fax: (713) 984-1152 insurance@useo.com www.useo.com

USG Insurance Services, Inc.

1000 Town Center Way, Ste. 300, Canonsburg, PA 15317 Phone: (724) 754-9007, Fax: (724) 265-5751 kskender@usgins.com www.usgins.com

USX/S

6929 W. 130th St., Ste. 100, Cleveland, OH 44130 Phone: (800) 574-8797, Fax: (440) 888-7380 brokers@usxs.net www.USXS.net

V3 Insurance Partners, LLC

115 Pheasant Run, Ste. 218, Newtown, PA 18940 Phone: (215) 600-0700, Fax: (215) 475-3959 don.barrand@v3ins.com www.v3ins.com

VFIS

P.O. Box 2726, York, PA 17405 Phone: (800) 233-1957, Fax: (717) 747-7030 inquiries@vfis.com www.vfis.com

Victor O. Schinnerer & Co.

The McGowan Companies

Corporate HQ; 20595 Lorain Rd., Fairview Park, OH 44126 Phone: (800) 545-1538, Fax: (440) 333-3214 syoung@mcgowancompanies.com www.mcgowancompanies.com

1220 E. Osborn Rd., Phoenix, AZ 85014 Phone: (800) 844-2101, Fax: (866) 512-2272 info@uiprograms.com www.uiprograms.com

Two Wisconsin Cir., Chevy Chase, MD 20815 Phone: (301) 961-9800, Fax: (301) 951-5444 vos.info@schinnerer.com www.schinnerer.com

Vilage & Company, LLC

350 5th Ave., 59th Fl, Empire State Bldg, New York, NY 10118 Phone: (212) 796-6109, Fax: (212) 796-6166 dvilage@vilageco.com www.vilageco.com

December 7, 2015 INSURANCE JOURNAL-NATIONAL REGION | 95

2015 Annual Program Directory Volume II – Alphabetical Directory of Markets Western E&O

Willis Programs

Western Experts in Transportation

Winery Pak Insurance Programs

Western Security Surplus Insurance Brokers, Inc.

Woodus K. Humphrey & Co. (AmWINS)

2155 Louisiana Blvd. NE, Ste. 10100, Albuquerque, NM 87110 Phone: (505) 837-2727, Fax: (505) 837-2828 info@westerneando.com www.westerneando.com P.O. Box 1835, Kingston, WA 98346 Phone: (800) 843-2430, Fax: (360) 297-4882 aperkins.fergu08@insuremail.net www.westerndwf.com

595 E. Colorado Blvd., Ste. 810, Pasadena, CA 91101 Phone: (626) 584-0110, Fax: (626) 584-0144 kstevens@wssib.com www.wssib.com

1 New Hampshire Ave., Ste. 200, Portsmouth, NH 03801 Phone: (603) 334-3000, Fax: (603) 334-3090 willisnhprograms@willis.com www.willisprograms.com 1350 Treat Blvd., Ste. 300, Walnut Creek, CA 94597 Phone: (888) 386-5701, Fax: (973) 359-0133 larryc@winerypak.com www.winerypak.com 7600 Fern Ave., Bldg 500, Shreveport, LA 71105 Phone: (318) 865-2454, Fax: (318) 861-6937 dick.chilvers@amwins.com www.amwins.com/wkh

Western Surplus Lines Agency, Inc.

P.O. Box 6609, Abilene, TX 79608 Phone: (800) 592-4408, Fax: (325) 695-0371 fpeck@westernsurplus.com, croeder@westernsruplus.com www.westernsurplus.com

Wildlife Insurance Underwriters, LLC 212 Key Dr., Ste. A, Madison, MS 39110 Phone: (866) 386-4136, Fax: (601) 510-9119 cs@insurewildlife.com www.insurewildlife.com

World Wide Specialty Programs, Inc. 68 S. Service Rd., Ste. 235, Melville, NY 11747 Phone: (800) 245-9653, Fax: (631) 390-0922 dtaylor@wwspi.com www.wwspi.com

World Wide Specialty Programs, Inc. designed the first E&O policy for the staffing industry over 50 years ago. WWSPI continues to lead the market in product offerings, having the largest and broadest program for the staffing industry.

Worldwide Facilities, LLC Williams & Stazzone Insurance Agency, Inc. 99 N. Atlantic Ave., Cocoa Beach, FL 32931 Phone: (800) 868-1235, Fax: (321) 868-2003 vstazzone@wsins.com www.wsins.com

Williams & Stazzone specializes in the automotive and equipment industries. We are garage liability, leasing, & rental specialists. Industry leading programs include Auto/Truck Lessors, Motorcycle Dealers, Equipment Dealers, and RV Dealers coast to coast.

See Website for Locations Headquarters - Los Angeles, CA 90017 Phone: (213) 236-4500, Fax: (213) 244-9655 info@wwfi.com www.wwfi.com For more info, see our ad on page 103 (National).

Wrap Up Insurance Solutions

16141 Swingley Ridge Rd., Chesterfield, MO 63017 Phone: (636) 489-0185, Fax: (636) 536-7473 bbillhartz@trekadmin.com www.trekadmin.com

96 | INSURANCE JOURNAL-NATIONAL REGION December 7, 2015

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IDEA EXCHANGE

Cyber and under what conditions, exclusions and limitations.

For example, are past breaches covered? Is business interruption covered?

If the Northeast Power Grid was attacked and shut down, it is estimated that the economic effect could be as much as $1 trillion according to Lloyd’s and the Cambridge Centre for Risk Studies. Much of that economic loss no doubt would be business interruption.

Coverage A stand-alone cyber policy as opposed to a commercial general liability (CGL) policy provides the most comprehensive coverage.

Stand-alone cyber policies cover two areas of liability: first party damage, covering injuries to the company, and third party liability, covering injuries resulting from third party actions.

Indeed, the insurance industry maybe First party damage that cyber policies “best-positioned” to solve cyber issues, cover include damage resulting from data said Scott Kannry in his article “Insurance assets and infrastructure being comproIndustry Can Solve Cyber,” Insurance Thought mised, such as data destruction, business Leadership, Sept. 20, 2015. He posits that the interruption, first party property damage, “insurance industry is the only industry” theft and extortion, and damage to compaable to “correlate controls and protective ny brands and reputation. actions (insight gained during the under Cyber insurance also covers the costs of: writing process) with losses resulting from incident response and remediation, investhe failure of such tigation and security controls and protec- Cyber insurance must care- audit expense. Often tive actions (insight fully examine what costs times the expense gained by paying related to incident and risks are covered and claims),” permitting response far outweighs under what conditions, insurers to assess direct damage. For cyber risk, provide exclusions and limitations. example, Anthem’s context for cyber breach exposed perexposure, and identify loss and claims data. sonally identifiable non-public information Indeed, much like insurers establishing of 80 million records. At an NAIC hearing, D&O guidelines years ago, the industry may it was disclosed that $128 million will be be instrumental in setting insurable stanspent on cyber security enhancements dards for cyber security. with costs related to the incident response totaling $230 million. Of the $358 million From the buyer’s perspective, a business Anthem will spend in response to the considering cyber insurance must carefully breach and security enhancements, none of examine what costs and risks are covered

Cyber Security: Insurance as an Essential Part of Risk Management

By James R. Woods, John Nadolenco & Rich Dodge

T

he cost and frequency of cyber-related security threats are on the rise. Some estimates claim that one-in-six businesses have experienced a cyber attack in the past year while the cost of cyber attacks on global businesses has risen to more than $300 billion a year.

With these rising numbers comes increased scrutiny from regulators and courts concerned with the ability of companies to safeguard data. Commensurate with the duty to safeguard data is the need to mitigate risk with cyber insurance. We consider the perspectives of insurers, buyers and board members in assessing insurance as a risk mitigation factor.

For insurers, there is opportunity in cyber: Lloyd’s estimates that $2.5 billion in cyber insurance is written by 50 insurers globally with 90 percent of the coverage in the United States. Allianz estimates that this could grow to $20 billion in 10 years.

98 | INSURANCE JOURNAL-NATIONAL December 7, 2015

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the personally identifiable information that was accessed by the breach has shown up on the Dark web.

Third Party Liability In addition to first party damages, cyber cover also should address third party liability including: regulatory failures (violation of state breach law notifications) and causes of action related to inadequate data security safeguards, including shareholder derivative actions brought against directors themselves. (For a more detailed discussion of standing to bring such actions, see Rajesh De, John Nadolenco, and Evan Wooten, “The Evolution of Data Breach Litigation in the United States: What’s Happening and What’s Ahead.”)

In view of increased cyber litigation, it is important to assure that any buyer purchases insurance with adequate defense coverage, including directors and officers (D&O) liability coverage.

From a board member’s perspective, before engaging insurers, boards should encourage corporations to perform a cyber risk assessment. Such an assessment identifies those assets which are most valuable and the protections deployed to secure them.

Most importantly, a critical element in any cyber defense is board awareness and responsibility for managing the risk.

The buck stops at the board and ultimate responsibility must not be delegated to others. We strongly recommend the development of a Written Information Security Plan (WISP) prepared with the advice of experienced outside counsel and a Data Breach Response Plan (DBRP) with the advice of experienced forensic experts. Those documents will be an essential part of any cyber litigation defense. They may also assist insurance buyers in securing cyber coverage at a lower price.

Corporations and board members

should also consider various cyber security guidelines in implementing their cyber framework. A standard often referenced in guiding corporations is that of the National Institute of Standards and Technology.

(Framework of Improving Critical Infrastructure Cybersecurity,Feb. 12, 2014).

Alternative standards also worthy of consideration are those set forth by Massachusetts (Standards for the Protection of Personal Information of Residents of the Commonwealth: 201 CMR 17.00) and Start with Security, A Guide for Business, Federal Trade Commission, June 2015. These standards can help to establish more effective cyber security frameworks and obtain cost-effective insurance coverage.

Woods is co-leader of Mayer Brown’s Global Insurance Industry Group, and Nadolenco and Dodge Jr. are partners in the firm’s Litigation & Dispute practice. All are active in Mayer Brown’s Cybersecurity & Data Privacy practice.

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December 7, 2015 INSURANCE JOURNAL-NATIONAL | 99

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Marketing

Why Specialist Brokers Need to Become Content Marketers

I

f you’re only an occasional consumer of marketing advice, you might think it’s crucial to learn everything there is to know about analytics and Big Data to effectively promote yourself and your brokerage.

Between reading about programmatic ads and marketing automation, it would seem like you need a computer science degree to attract new business.

In reality, you know what’s one of the hottest marketBy Daniel S. Brettler ing tactics out there?

Print magazines.

Yep. You may have thought something so old-school would no longer be effective, unless you know that many of the most

disruptive tech companies in the world, like Airbnb and Uber, just launched print magazines recently. Believe it or not, the net number of new magazines actually grew in 2014.

The larger trend behind all this is something called “content marketing.” Here’s a definition: a continuous program of creating and distributing articles, insights, video or visuals that builds awareness, engagement and loyalty among a clearly defined audience.

There are many reasons this approach is more effective now than ever. As advertising becomes omnipresent, people become better at tuning it out. As the Internet provides more ways for people to do their own research, sales messages and meetings are less influential. As more channels of communication emerge, it becomes easi-

100 | INSURANCE JOURNAL-NATIONAL December 7, 2015

er to communicate directly with clients.

And as insurance specialties become more complex, there’s a growing need for highly specific information.

Give What They Want What this means for brokers is simple — instead of solely relying on advertising and sales messages that people have heard a million times, you can earn trust, and eventually business, by giving people something they actually want and can use right away.

Commercial brokerage specialists are uniquely positioned to take advantage.

Niche industries and businesses demand a depth of knowledge that, by definition, generalist brokers can’t provide. Being able to demonstrate authority on a very specific subject can clearly differentiate you in the market, and you can demonstrate that www.insurancejournal.com

through a steady stream of content on the subject.

Consider a perspective from the life sciences industry, a $1.2 trillion global industry, of which the North American market makes up about $515 billion, according to the Economist Intelligence Unit. These are major stakes for managing and distributing risk, but many companies still struggle to understand their specific challenges, such as how they are affected by blood shield statutes, or what business interruption losses could arise if a pharmaceutical company loses stability testing data.

What better way to prove your value to businesses in highly complex industries like these than to actually provide them with information they will find valuable?

Through blog posts, newsletters, whitepapers and even collateral you can hand them directly, they can see firsthand the expertise you’ll provide before deciding to engage your brokerage.

If any of this sounds obvious, well, it is to an extent. The idea isn’t new — brands have often produced their own media outlets, with one famous old-time example being John Deere, which launched a magazine of its own in 1895. You can even make the argument that Ben Franklin, the founder of mutual insurance in North America, was essentially engaging in content marketing when he created “Poor Richard’s Almanack” to promote his printing company.

Still, the phrase “content marketing” only became popular in the past decade. It’s now estimated that about a quarter of marketing budgets are allocated to content marketing efforts, and more than 55 percent of companies are growing their content marketing budgets this year. As it grows, it’s gaining attention as a coherent strategy that produces demonstrable ROI for companies.

That’s why the Airbnbs and Ubers of the world are getting on board.

Get Started So, how can brokers get started?

The first step is laying out the goals you hope to accomplish, and the strategy for achieving those goals. For instance, if you www.insurancejournal.com

As insurance specialties become more complex, there’s a growing need for highly specific information. aim to grow your list of qualified sales leads, you could create a newsletter in which you distribute insights that clients need in order to understand the risks facing their business. Through sign-ups, you acquire client contact information for future outreach.

Second, you have to determine which content is most relevant to your intended audience. Think of what your clients want and need to know. What are their pain points? What challenges do they face? What questions are they constantly asking in meetings? What questions were you asking yourself when starting out in your field?

This is called client centricity — centering your focus on the client’s needs, rather than the services you provide. You need to empathize with their needs, and provide

them with concrete solutions. Sounds obvious in theory, but is often ignored in practice as businesses default to talking about what they do rather than what customers want.

Lastly, don’t be afraid to go deep into the material. The more exclusive value you provide, the more potential clients will look to you exclusively.

As a specialist, you hold a distinct advantage in creating inbound requests for business by being able to produce more insightful information than generalists. While everyone else is keeping their information as broad as possible, you can home-in on those clients with very specific needs who are going underserved.

Effective marketing doesn’t necessitate being on the technological verge. You only need to demonstrate value.

Brettler is a managing director and senior vice president at Conner Strong & Buckelew, an insurance, risk management and employee benefits brokerage and consulting firm with offices in New York, New Jersey, Pennsylvania, Delaware and Florida.

Advertisers Index Readers, browse, contact, or do product searches on any of our full page advertisers at: www.insurancejournal.com/adshowcase/

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Louisiana Commerce & Trade Assoc. www.lctacomp.com SC9 M.J. Hall & Company www.mjhallandcompany.com W12 Midlands Management Corporation www.midlandsmgmt.com 38 Monarch E&S Insurance Services www.monarchexcess.com W3 PersonalUmbrella.Com www.personalumbrella.com 5 Philadelphia Insurance Companies www.phly.com 21 RPS - Risk Placement Services, Inc. www.rpsins.com 14, 15 State Compensation Insurance Fund www.statefundca.com W5 Texas Mutual www.texasmutual.com SC2, SC3, SC5 The Hartford www.thehartford.com 9 The Sullivan Group www.gjs.com 29 Topa Insurance Company www.topa-ins.com W7 Vertafore, Inc. www.vertafore.com 23 Worldwide Facilities www.wwfi.com 103

December 7, 2015 INSURANCE JOURNAL-NATIONAL | 101

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Closing Quote

Risks of the Game

R

By Robert W. Lucas

ace cars crash sending debris into the stands.

Stronger and bigger ballplayers hit foul balls and send broken bats into the far reaches of a ballpark. Pucks go flying at hockey games. As a result, lawsuits abound.

An Oakland A’s season-ticket holder recently filed a class-action lawsuit on behalf of all fans buying season tickets in unprotected areas of major league parks requesting in the court order increased safety netting.

Spectator claims and the rules governing liability are important to all levels of the insurance industry. They shape risk assessments, preventive recommendations, underwriting and claims of any sporting activity. But assaults on the rules increase risk.

The general rule in many states arises out of our national pastime due to the preponderance of foul balls entering the stands. The “baseball rule” limits liability when facility operators take reasonable precautions to protect spectators in dangerous areas, but in other areas spectators assume the risks of injury from acts which are considered “open and obvious” risks inherent in the game.

The rule is not limited to professional baseball. Thus, in any sport setting, a careful analysis should be undertaken of the risks posed to spectators by the play itself.

Missouri first recognized the rule a century ago in Edling

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v. Kansas City Baseball & Exhibition Co. There, the court ruled that the stadium owner had met its duty by protecting the area of the grandstand “most exposed to the battery of foul balls,” which would give spectators the assurance that those seats were reasonably protected. However, the court stated no duty existed to protect spectators.

More recently, a 2008 Nevada case, Turner v. Mandalay Sports Entertainment LLC, sets forth the modern doctrine.

In Turner, the plaintiff went to see the Las Vegas 51’s play.

She left her seat to buy a drink in the beer garden, where a foul ball knocked her unconscious and broke her nose.

The court rejected her suit holding that as long as the owner took two precautionary steps it would fulfill its limited duty to the patrons.

First, the owner had to provide a “sufficient amount of protected seating for those spectators who may be reasonably anticipated to desire protected seats on an ordinary occasion.” Second, the owner had to provide “protection for all spectators located in the most dangerous parts of the stadium.” The court found that the beer garden was not a dangerous area, so the owner could not be subject to liability, and that foul balls are a known risk when entering a baseball game.

In 2013, however, the Idaho Supreme Court refused to apply the rule in Rountree v. Boise Baseball LLC, in which a plaintiff lost an eye after being struck by a foul ball while eating in the unprotected executive club during a Boise Hawks’ game. The court allowed the suit to proceed against the stadium owner and rejected applying the baseball rule to bar liability stating that no compel‘Thus, in any sport ling public policy reason setting, a careful existed requiring them to analysis should be adopt the limited duty rule because injuries to fans at undertaken of the baseball games was not a risks posed to speccommon problem in Idaho. tators by the play Ideally, the Idaho deciitself.’ sion is an aberration, and in the recent Oakland A’s lawsuit, the court will reinforce the baseball rule to deny the class action claim by holding that the A’s have no duty to protect spectators from the inherent risks of the game which they assume. However, the A’s litigation and the continued testing of the baseball rule should be a reminder that proactive measures to avoid liability must be considered when insuring sports.

Lucas is senior counsel in the Sacramento, Calif. office of Murphy, Pearson, Bradley & Feeney. His practice focuses on sports liability.

Phone: (916)-565-0300. Email: rlucas@mpbf.com

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