Insurance Journal West 2018-09-03

WEST REGION Workers’ Comp UR in California Calif. Cannabis Insurer Adds Coverage Boeing’s River Contamination Suit

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Contents September 3, 2018 • Vol. 96 No. 17 • West

West

National

W1 California Court Rules Workers’ Comp Law Provides Exclusive Remedy in Utilization Review Case

8 Insurer Downgrades Up in 2018: A.M. Best 10 As Cyber Insurance Market Grows, Accumulation Risk Is Key Concern

W2 California’s 1st Cannabis Insurer Expands Coverage W2 Boeing Sued Over Contamination of Washington River

W1 CALIFORNIA COURT RULES WORKERS’

COMP LAW PROVIDES EXCLUSIVE REMEDY IN UTILIZATION REVIEW CASE

14 Closer Look: Proper Coverage for Construction Crucial in Avoiding Costly Litigation 18 Special Report: 15 Emerging Risks Worth Watching 20 Special Report: Plus, 6 Reasons Cyber Remains Top Emerging Risk

Idea Exchange

24 2018 Professional Liability Directory

41 Ask the Insurance Recruiter: Hiring a Commercial Lines Manager 42 Tips for Reducing Equipment Losses on Construction Jobsites 44 The Competitive Advantage: 5 Ways to Put Customers First in an Insurtech World 46 Rebranding and Embracing Change to Thrive in the Future of Work

18

15 EMERGING RISKS WORTH WATCHING

50 Closing Quote: How Unemployment Insurance Can Help Nonprofits

Departments 11 Declarations 11 Figures 12 Business Moves

42 CONSTRUCTIVE TIPS FOR REDUCING

48 MyNewMarkets

EQUIPMENT LOSSES AT JOBSITES

4 | INSURANCE JOURNAL | WEST SEPTEMBER 3, 2018

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OPENING NOTE

Write the Editor: awells@insurancejournal.com

Emerging Opportunities

S

Publisher Mark Wells mwells@wellsmedia.com

EDITORIAL

SALES

Editor-in-Chief Andrea Wells awells@insurancejournal.com

West Sales Dena Kaplan (800) 897-9965 X115 dkaplan@insurancejournal.com

East Editor Elizabeth Blosfield eblosfield@insurancejournal.com

Romeo Valdez (800) 897-9965 X172 rvaldez@insurancejournal.com

Chief Content Officer Andrew Simpson asimpson@insurancejournal.com

Southeast Editor/MyNewMarkets 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 L.S. Howard lhoward@insurancejournal.com Columnists Chris Burand, Mary Newgard

Chief Marketing Officer Julie Tinney (800) 897-9965 X148 jtinney@insurancejournal.com

South Central Sales Mindy Trammell (800) 897-9965 X149 mtrammell@insurancejournal.com Southeast and East Sales (except for NY, PA and CT) Howard Simkin (800) 897-9965 X162 hsimkin@insurancejournal.com Midwest Sales Lisa Whalen (800) 897-9965 X180 lwhalen@insurancejournal.com East Sales (NY, PA and CT only) Dave Molchan (800) 897-9965 X145 dmolchan@insurancejournal.com Advertising Coordinator Erin Burns (619) 584-1100 X120 eburns@insurancejournal.com

Contributing Writers

Insurance Markets Manager Jeff Amy, Francis M. Brady David Kristine Honey (619) 584-1100 X132 Coons, Richard Falcinelli, Ron khoney@insurancejournal.com Lucki Social Media Manager IJ ACADEMY OF INSURANCE Ly Short (619) 890-7735 Director Lshort@insurancejournal.com Patrick Wraight pwraight@ijacademy.com Classifieds, Jobs, Agencies Wanted/For Sale ADMINISTRATION Sr. Sales & Marketing Coordinator Chief Financial Officer Kelly De La Mora (800) 897-9965 X125 Mark Wooster kdelamora@insurancejournal.com mwooster@wellsmedia.com

MARKETING

DESIGN/WEB

Marketing Director Derence Walk dwalk@insurancejournal.com

Chief Technology Officer/ Chief Innovation Officer Joshua Carlson jcarlson@insurancejournal.com

Marketing Administrator Gayle Wells gwells@insurancejournal.com

V.P. of Design Guy Boccia gboccia@insurancejournal.com

NEW MEDIA

Senior Web Developer Chris Thompson cthompson@insurancejournal.com

New Media Producer Bobbie Dodge bdodge@insurancejournal.com Videographer/Editor Ashley Waldrop awaldrop@insurancejournal.com

CIRCULATION

Circulation Manager Elizabeth Duffy eduffy@wellsmedia.com

Web Developer Jeff Cardrant jcardrant@insurancejournal.com Web Developer Terrance Woest twoest@wellsmedia.com

ometimes emerging risks are hiding in plain sight. As was the case for the man who was seriously injured when he fell through the floor in a museum in Portugal. The exhibit was designed to look like a hole in the floor and, as he came to discover, it actually was a hole in the floor. Security later installed ropes around the exhibit.

Risk assessment is not always rational or based on facts and information. One classic example is the public fearing nuclear power over driving a car, even though car accidents are responsible for far more deaths and injuries than nuclear plants. Part of the explanation is that the public is familiar with car accidents while nuclear power is not well understood. This same dynamic may be reflected in today’s questioning of fully autonomous driving due to a handful of accidents over human-controlled driving, which accounts for 40,000 fatalities a year.

Experts tend to have more information than the general public when assessing emerging risks but they, too, are human and their approach can also be influenced by social, emotional and cultural factors, not to mention by their field of expertise.

Insurance Journal decided to ask a number of P/C insurance experts about emerging risks. The question was: What do insurance experts see as the most important emerging risk for the property/casualty insurance industry?

Insurance Journal chose to define an “emerging risk” as one that is new and not yet widely recognized or perhaps recognized but not well understood.

The responses were varied. Some saw macros issues; other worried about micro events. To the extent there is any consensus, it is that cyber is the greatest emerging risk — but everyone seems worried about a slightly different aspect of cyber.

In addition to polling hand-picked experts, Insurance Journal looked at its own reporting and at industry white papers and research for ideas. It’s a continuous, not a once-and-done, exercise.

Why attempt to create a list? Because insurFOR QUESTIONS ance professionals are in the business of advisREGARDING SUBSCRIPTIONS: Call: 855-814-9547 ing and protecting people against uncertainty Outside the U.S., call 847-400-5951 or you may subscribe or change your address online at: and of transforming risks into opportunities. insurancejournal.com/subscribe You have to start somewhere.

Insurance Journal, The National Property/Casualty Magazine (ISSN: 00204714) is published semi-monthly by Wells Media The 21 emerging risk results from the Group, Inc., 3570 Camino del Rio North, Suite 200, San Diego, CA 92108-1747. Periodicals Postage Paid at San Diego, CA and at additional mailing offices. SUBSCRIPTION RATES: $7.95 per copy, $12.95 experts, and from additional research, start per special issue copy, $195 per year in the U.S., $295 per year all other countries. DISCLAIMER: While the information in this pubon page 18. We hope you will emerge a more lication is derived from sources believed reliable and is subject to reasonable care in preparation and editing, it is not intended informed and entertained insurance and risk to be legal, accounting, tax, technical or other professional advice. Readers are advised to consult competent professionals for application to their particular situation. Copyright 2016 Wells professional.

Media Group, Inc. All Rights Reserved. Content may not be photo-

Insurance Journal chose to define an ‘emerging risk’ as one that is new and not yet widely recognized or perhaps recognized but not well understood.

copied, reproduced or redistributed without written permission.

Insurance Journal is a publication of Wells Media Group, Inc.

Andrea Wells Editor-in-Chief

6 | INSURANCE JOURNAL | NATIONAL SEPTEMBER 3, 2018

POSTMASTER: Send change of address form to Insurance Journal, Circulation Department, PO Box 708, Northbrook, IL 60065-9967 ARTICLE REPRINTS: For reprints of articles in this issue, contact: Kelly De La Mora at 1-800-897-9965 ext. 125 or kdelamora@wellsmedia.com Visit insurancejournal.com/reprints/ for more information.

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National Insurer Downgrades Jumped in 2018 But Were Still Outnumbered by Upgrades: A.M. Best

C

‘The majority of companies managed their exposures effectively, reflecting improved risk management capabilities and robust reinsurance programs.

However, the P/C industry does face challenges…’

8 | INSURANCE JOURNAL | NATIONAL SEPTEMBER 3, 2018

atastrophic weather events in 2017 helped spur an increase in rating downgrades for the U.S. property/casualty (P/C) industry during the first half of 2018, according to an A.M. Best report.

But the report also notes that overall ratings activity in that same period was modestly favorable, with upgrades outnumbering downgrades.

According to the report, “Downgrades for U.S. P/C Industry Increase in First Half 2018,” the positive rating actions were driven by tightened underwriting standards that have led to favorable results over several years, higher risk-adjusted capitalization and improved enterprise risk management capabilities.

“The majority of companies managed their exposures effectively, reflecting improved risk management capabilities and robust reinsurance programs.

However, the P/C industry does face challenges, including growing frequency and severity issues in the automobile segment; the cost and time devoted to systems implementation; and, in the reinsurance segment, the impact of soft pricing margins,” A.M. Best said.

Affirmations were again the most common rating action, at 78.6 percent, reflecting the overall stability of the U.S. P/C industry. The number of upgrades outpaced downgrades for a third consecutive year.

Upgrades were similar to the prior year period, 7.1 percent of rating actions, compared to 7.4 percent in 2017. Downgrades increased to 6.3 percent of total actions, up from 2.4 percent in the first half of 2017.

In the first quarter of 2018, the P/C industry posted an underwriting profit of $3.9 billion, reversing the $840 million loss posted in the first quarter of 2017.

The improvement in profitability was driven by lower average catastrophe loss experience and nearly $7 billion in favorable loss development.

A.M. Best said it is maintaining its stable outlook on both the personal and commercial lines segments, although the industry continues to face challenges.

A.M. Best is also maintaining its negative outlook on the reinsurance segment.

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NATIONAL | News & Markets

As Cyber Insurance Market Grows, Accumulation Risk Is Key Concern: Geneva Assn.

By L.S. Howard

A

lthough cyber risk premiums have expanded sizably in recent years with loss ratios that compare favorably to other product lines, the danger of accumulation risks is a key concern for the market, according to a study released by insurance industry think tank The Geneva Association.

The study, titled “Advancing Accumulation Risk Management in Cyber Insurance,” identifies three prerequisites to a sustainable cyber insurance market: • Customers and insurers must facilitate resilience at the source of risk for the principles of insurability to apply.

• Insurers must be able to achieve an acceptable return on capital.

• Insurance markets need to be able to withstand shocks from extreme events, which means absorbing accumulation risk.

The concern about accumulation risk is widely held across the industry and is the reason the Geneva Association report is focusing on the market’s ability to withstand extreme events, said Anna Maria D’Hulster, secretary general of The Geneva Association (GA), in a forward to the report.

“Expanding the boundaries of insurability is not new for insurers. However, cyber risks

coverage in standalone and package policies).

2. Insurers and reinsurers (for which risk accumulation may be more pronounced than for primary insurers) could underestimate non affirmative cyber exposure leading to an unplanned shock from a major event.

The report explained that non-affirmative cyber exposure occurs when a cyber attack causes major losses by triggering coverages in other classes.

[Editor’s note: Insurers face

are taking us into uncharted territory,” she added. “Both exposures and threats have distinct characteristics, which give rise to unprecedented challenges.”

“These challenges require that insurers strengthen their core underwriting capabilities, in particular exposure measurement, claims assessment, and accumulation modelling,” the study said.

The report went on to highlight four cyber accumulation risk challenges: 1. A single large event or a series of consecutive events may make affirmative cyber insurance unprofitable. (The report explained that insurers provide affirmative

10 | INSURANCE JOURNAL | NATIONAL SEPTEMBER 3, 2018

non-affirmative, or silent cyber exposures, when they offer all-risk policies and other liability insurance policies that have not excluded cyber risks.]

3. Data are of insufficient quality, are incomplete and/ or lack the necessary consistency for more advanced modeling techniques.

4. Governments fail to provide frameworks for the sharing of large-scale cyber terrorism-induced losses.

Market Consequences

The study said there are many market consequences if risks from these challenges materialize.

“Insurers and reinsurers could withdraw from the market after unacceptably high losses and fear of repeat events,” the study continued, noting that such losses also could stall the growth of the small alternative capital market and prevent insurers from accessing needed capacity.

In addition, re/insurers could introduce tighter policy terms and increase the number of exclusions and/or make buybacks prohibitively expensive,

the GA study said.

“The lack of confidence in advanced model outputs could stifle growth if models are deemed to be too blunt for insurers to extend portfolios or offer higher coverage levels,” which could result in a further constraint on the amount of coverage available for larger enterprises and leave the market for small and medium enterprises underdeveloped.

“A large event may also trigger regulatory intervention with the risk for insurers having to provide cover with uneconomic terms and rates,” GA said.

In response, GA said, insurers have formulated several approaches: • Developing data analytics that analyze the characteris tics of cyber risk as well as data protocols that combine company infor­mation with digital risk indicators.

• Novel approaches to analyzing the risk “footprint” and corresponding threats affecting the size.

• Forward-looking threat assessments including external expert inputs.

• Mapping cloud-related interconnectivity and digital supply chains, and using machine learning to assess the relationship between claims frequency and multi-exposures.

“Of equal importance is the need to maintain underwriting discipline. Cyber risk is not unique in this respect.

Historically, many property-casualty classes have suffered when underwriting standards slipped or when prices failed to adequately reflect the cost of risk,” the study said.

INSURANCEJOURNAL.COM

West

California Court Rules Workers’ Comp Law Provides Exclusive Remedy in Utilization Review Case

T

he California Supreme Court issued an opinion in late August that utilization review physicians cannot be sued for malpractice, upholding established law that the workers’ comp system provides injured employees an exclusive remedy against an employer for work-related injuries.

The court considered the application of workers’ comp exclusivity to claims arising from the utilization review process. Utilization reviewers act on behalf of employers and determine if a treatment plan recommended for an employee injury is medically necessary.

If the reviewer concludes a treatment is not necessary, the treatment request may be denied.

In 2008, Kirk King sustained a back injury while at work, and reportedly suffered chronic pain as a result, which in turn caused anxiety and depression. In 2011, INSURANCEJOURNAL.COM

a mental health professional prescribed psychotropic drugs, including Klonopin, to King.

Dr. Naresh Sharma, an anesthesiologist employed by defendant CompPartners Inc., a utilization review management company, conducted a review in 2013 of the Klonopin prescription and determined the drug was medically unnecessary and decertified the prescription.

Sharma’s decertification did not provide for a weaning regimen, nor did Sharma warn King of the risks of abruptly ceasing Klonopin and King suffered a series of seizures as a result.

In 2014, King and his wife filed a complaint in court against CompPartners and Sharma among others, asserting claims including negligence, professional negligence, and intentional and negligent infliction of emotional distress.

The defendants demurred, arguing that

the Kings’ claims were preempted by the Workers’ Compensation Act, and that the negligence claims failed because Sharma owed no duty of care to King.

The trial court agreed with both arguments and sustained the demurrer without leave to amend. The Court of Appeal affirmed the order sustaining the demurrer but reversed the denial of leave to amend.

The Court of Appeal also held that Sharma owed King a duty of care.

The California Supreme Court in the August opinion affirmed the Court of Appeal’s judgment insofar as it affirmed the trial court’s sustaining of the demurrer, but it reversed its judgment insofar as it permitted the Kings to amend their complaint to bolster their claim that defendants are liable in tort for failure to warn.

The case has been remanded to the Court of Appeal for further proceedings consistent with this opinion.

SEPTEMBER 3, 2018 INSURANCE JOURNAL | WEST | W1

WEST | News & Markets

California’s 1st Cannabis Insurer Expands Coverage

C

alifornia Insurance Commissioner Dave Jones approved a filing from Golden Bear Insurance Co. amending its California Cannabis program product

to lower rates, expand coverage options, and expand the classes of business covered.

Jones last year approved Golden Bear’s filing to make it the first admitted com-

CONTRACTORS

mercial insurance carrier to offer cannabis business insurance in the state.

Since then, the department has approved five additional insurers to write cannabis-related insurance products in the California market.

“We are very excited to roll out equipment breakdown coverage among other new coverages to our cannabis package policy,” Michael Brown, vice president and underwriting property manager at Golden Bear, said in a statement. “This additional endorsement will provide our insureds with vital coverage for losses to inventory and income caused by the failure of refrigeration equipment, HVAC equipment, and manufacturing equipment so important to the cannabis industry.”

Boeing Sued Over Contamination of Washington River

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new lawsuit says the Boeing aircraft company is poisoning the Duwamish River by pumping out pollution that is far and away above the legal limit.

Environmental groups Puget Soundkeeper and Waste Action Project say the Military Delivery Center plant in Tukwila is a hotbed for highly toxic polychlorinated biphenyls, or PCBs, which flow out as stormwater runoff and then enter the food chain.

The groups are suing Boeing on grounds that it is violating the Clean Water Act. Boeing says it “has demonstrated its commitment to improving the health of the Lower Duwamish Waterway by investing in cleanup activities, stormwater treatment, and habitat restoration for fish and wildlife.”

Tests of the Duwamish Waterway show high levels of cancer-causing PCBs. Copyright 2018 Associated Press. All rights reserved.

1/19/18 4:22 PM

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Figures

Declarations Alarming Statistic

$70K

“Flood insurance will not keep rising water out of your home or business, but it will help protect the investment you have in them.”

A New Hampshire woman has been sentenced to five years of probation for defrauding her Vermont employer of more than this amount. The U.S. Attorney’s Office says 29-year-old Katie Stygles was sentenced after she pleaded guilty to credit card fraud.

Court records show Stygles worked for ARC Mechanical Contractors in Bradford, Vt.

% 11.5

2,700

The approximate number of students enrolled in courses eligible for the Kansas Insurance Certificate Program at Kansas colleges and universities for the 2018 fall semester. The 12 credit-hour certificate program is a collaboration between the state insurance department and the Kansas Insurance Education Foundation, with monetary support from private businesses. Participating schools are Fort Hays State University, Emporia State University, Pittsburg State University and Washburn University.

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Pot Enthusiasm

“The Legalize ND campaign was able to successfully channel the grassroots enthusiasm for recreational marijuana.”

— David Owen, chairman of the citizen group behind a petition to place a measure aimed at legalizing marijuana in North Dakota on the November general election ballot, said supporters submitted 17,695 signatures in favor of the petition. Signatures of 14,637 supporters were deemed valid; 13,452 valid signatures were needed to get the proposal on the ballot.

Help Not Wanted

“There is definitely a group of people in Louisiana who because they went and got their house rebuilt, they’re resilient, whatever, their son-in-law came and helped, they never asked us for money…There’s just a population in Louisiana that’s like that. They don’t want help.”

The increase in drug overdose deaths in Kentucky in 2017 compared to 2016, despite a drop in opioid prescriptions and heroin use.

According to a new report from the Kentucky Office of Drug Control Policy, 1,565 people died from opioid overdoses last year, and overdose deaths have increased by more than 40 percent since 2013.

500

— Alabama Emergency Management Director Brian Hastings comments after FEMA reported only 57,000 of the estimated 1.8 million households in Alabama have flood insurance. Hastings called that an alarming statistic.

— Pat Forbes, director of Louisiana’s Office of Community Development, comments on the fact that 44 percent fewer households than anticipated are expected to access money allocated for homeowners whose properties were damaged in massive flooding in the state in 2016. Louisiana expects to spend $649 million on homeowner rebuilding aid after the 2016 floods, only about half the federal money Congress set aside for the effort.

Vindicated Plaintiff That’s the number of coastal properties along Southern California that federal officials plan to exclude from updated flood maps, saving homeowners thousands in insurance costs.

$242 MILLION The amount a Texas jury awarded to a Dallas family after finding that defects in the family’s Lexus sedan caused injuries to their two children during a rear-end collision in 2016.

The Dallas County District Court jury award includes more than $143.6 million in punitive damages against Toyota Motor Corp. and Toyota Motor Sales for gross negligence in the design of the car.

“Vindicated, vindicated. It doesn’t replace what we’ve lost, but we feel a great sense of satisfaction because we were right and we didn’t give up.”

— Plaintiff Debbie Sheltra was pleased that a jury found the Nevada Division of Forestry liable for the loss of 23 homes and 17 other buildings in a 2016 wildfire after strong winds re-ignited a prescribed burn.

Into the Void

“New York stepped into the void and took decisive action to ensure appropriate minimum standards protecting financial institutions’ data systems, including consumers’ sensitive personal information.”

— New York Department of Financial Services (DFS) Superintendent Maria T. Vullo said in a press release regarding the end of the third transitional period for New York’s first-in-the-nation cybersecurity regulation for all DFS regulated entities. By Sept. 4, 2018, banks, insurance companies and other financial services institutions are required to have come into compliance with several additional provisions of the cybersecurity regulation.

SEPTEMBER 3, 2018 INSURANCE JOURNAL | NATIONAL | 11

NATIONAL | Business Moves

The Hilb Group, Southern Maryland Insurance

The Hilb Group LLC has acquired Southern Maryland Insurance Inc. The transaction became effective July 1.

Located in Bowie, Md., SMI is primarily a property/casualty insurance agency offering coverages to businesses throughout the Mid-Atlantic area.

Following the transaction, SMI Managing Director Ken Wyvill and his associates will join THG’s Mid-Atlantic operations led by Rick Tepel.

The Hilb Group is a middle market insurance agency headquartered in Richmond, Va., and is a portfolio company of Boston-based private equity firm, Abry Partners.

Ryan Specialty Group, ARC Specialty Brokerage

Ryan Specialty Group LLC has completed its acquisition of certain assets of ARC Specialty Brokerage LLC, the property and casualty division of ARC Excess & Surplus LLC, a wholesale insurance brokerage based in Jericho, N.Y. These assets have become a

part of RT Specialty LLC, the wholesale brokerage unit of RSG, in RT Specialty’s Long Island office in Melville, N.Y. This transaction was previously announced on July 30, 2018.

Joining RT Specialty is Mike Vollaro, a wholesale brokerage professional and specialist in New York construction, along with the other current producers of ARC Specialty and their respective assistants.

RT Specialty LLC, a subsidiary of Ryan Specialty Group LLC, provides wholesale brokerage and other services to agents and brokers. It is a Delaware limited liability company based in Illinois.

Seeman Holtz Property & Casualty, Asenbrenner Insurance Agency, JEM Insurance

Seeman Holtz Property & Casualty Inc. has acquired Asenbrenner Insurance Agency Inc., headquartered in Shawano, Wisconsin.

Asenbrenner Insurance Agency has been serving the state of Wisconsin for almost three decades. Led by John

12 | INSURANCE JOURNAL | NATIONAL SEPTEMBER 3, 2018

Asenbrenner, the agency offers personal and commercial insurance, from auto and life insurance to employee and workers’ compensation.

In another transaction, Seeman Holtz acquired JEM Insurance Services Inc., headquartered in Boca Raton, Fla. JEM Insurance Services has been serving the South Florida area for over 13 years. The agency offers personal lines business services including auto, home and personal property.

JEM Insurance Services is led

by Bryan Moura Santos.

Seeman Holtz Property & Casualty is based in Boca Raton, Florida.

Hub International, The Ward Agency

Hub International Limited has acquired the assets of Texas-based The Ward Agency.

Terms of the acquisition were not disclosed.

Headquartered in Longview, Texas, with an office in Tyler, Texas, Ward Agency provides comprehensive employee benefits, retirement plans, workplace wellness programs and individual health and life insurance plans.

Scott Ward, managing partner of Ward Agency, will join Hub Texas and report to Randy Martell, senior vice president of Employee Benefits at Hub Texas.

Headquartered in Chicago, Hub International Limited (Hub) is a full-service global insurance broker.

Higginbotham, SellersPatterson Insurance

Higginbotham and SellersPatterson Insurance have

merged operations in Tyler, Texas.

Sellers-Patterson, led by Linda Sellers, is Higginbotham’s second office in Tyler. The union gives the combined firm a local workforce of 16, serving businesses and families in northeast Texas.

Higginbotham is headquartered in Fort Worth, Texas, and operates 29 offices in Texas and Oklahoma City.

Sellers-Patterson, an employee benefits and individual health insurance broker, will draw on Higginbotham’s property/casualty insurance capabilities to expand its service portfolio.

The office will continue operating as Sellers-Patterson under the direction of Linda Sellers as managing director.

M.J. Hall, Wholesale Connection Insurance

M.J. Hall & Co. has acquired the policy renewal rights from Woodland Hills, Calif.based Wholesale Connection Insurance Services’ commercial property/casualty business.

Terms of the deal weren’t disclosed.

Warren Stanley, president of WCIS, will continue to lead the firm through the renewal rights transition process. WCIS will continue to specialize in its high valued homeowners program.

WCIS is a surplus lines broker and managing general agent.

M.J. Hall currently represents 81 markets in the surplus lines and admitted specialty insurance business. The firm has California offices in Stockton, San Francisco, Napa, and Woodland Hills, as well as in Alaska and Nevada.

INSURANCEJOURNAL.COM

NATIONAL | Closer Look | Residential Contractors

Proper Insurance Coverage for Construction Crucial in Avoiding Costly Litigation

By Elizabeth Blosfield

I

f residential property owners don’t confirm proper insurance coverage and carefully consider labor laws when hiring contractors, they could be in for some costly litigation, according to two speakers at a July roundtable held at Anderson Kill’s offices in New York City.

Allen R. Wolff, a shareholder at Anderson Kill, and Edward J. Mackoul, president of New York’s Mackoul Risk Solutions, spoke at the roundtable, offering tips to condo and co-op boards and members regarding how to carefully handle construction work.

“If, as the property owner, you do not make sure that you’ve crossed your T’s and dotted your I’s, these types of lawsuits can easily reach seven figures,” Mackoul said. “And I’ve seen a number of them.”

Wolff and Mackoul began the discussion with an overview of one of the nation’s toughest labor laws: New York State’s Scaffold Law. Labor Law section 240/241, commonly referred to the as the Scaffold Law, imposes liability upon contractors and property owners for all “gravity-related” injuries. While the Scaffold Law is unique to New York state, there are lessons to be learned for residential property owners, Wolff explained during the discussion.

“These laws have been on the books for a long, long time,” he said. “They predate OSHA (Occupational Safety and Health Administration) laws.

They predate workers’ compensation laws.”

Wolff explained that there have been several calls for reform, stating that the Scaffold Law in New York was initially implemented at a

14 | INSURANCE JOURNAL | NATIONAL SEPTEMBER 3, 2018

time when an injured worker may not have had adequate recourse. He stated that since then, injured workers have workers’ compensation and certain OSHA protections available.

“Yet, New York still has these Labor Laws on the books,” he said. “…so you can see how out of time we are.”

Insurance industry trade groups have previously pushed back against the law, asking for a repeal and alleging it leads to higher insurance premiums.

The Lawsuit Reform Alliance of New York (LRANY) has also scrutinized the law, stating it continues to drive up the cost of construction in the state.

“There are efforts every number of years to get these laws off the books, because they do add expense to everybody’s insurance in New York,” Wolff said. “They add expense to everybody’s contract prices in New York.”

The New York Committee for Occupational Safety & Health (NYCOSH), however, has objected to the criticism, stating that The Scaffold Safety Law requires construction sites to be built and maintained in a way that protects workers, and contractors and businesses are only liable when there’s an injury or fatality on the job if they put workers at risk of injury or death by violating critical health and safety regulations.

“Big business and insurance companies have attempted to lobby against the Scaffold Safety Law for years, arguing that the law leads to unfair insurance premiums,” it states on its website. “Instead of sacrificing worker safety by gutting the Scaffold Safety Law, we believe that insurance

companies should open their books to the public. That way, the public can determine if the premiums being charged to contractors are justified.”

Requiring Written Contracts

That said, Wolff urged property owners that hire contractors for construction work to be careful in requiring written contracts that specify additional insured requirements, include a written defense indemnity and hold harmless provision and provide for New York labor law liabilities.

He said this can ensure the right protections are in place and avoid responsibility for employee or contractor negligence falling on the property owner.

“You have to assess the risk, because if you don’t understand the risk to which you’re exposed, then you probably are going to get underinsured,” Wolff said. “There is no threshold for a labor law liability, and it can be really hurtful.”

He said that although risk complexity can vary, assessing the risk at the beginning is typically a minimal expense at the risk management level.

“But the consequences for failing to do it right can be quite catastrophic,” he added.

Conducting Risk Assessment

Taking risk assessment into consideration, Wolff said condo associations and co-op boards should require that no contractors walk into the building without insurance, with exceptions only in emergency situations.

Mackoul agreed. “Most of the time, nothing happens, but the one time it does, these are

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NATIONAL | Closer Look | Residential Contractors continued from page 14 seven-figure lawsuits,” he said.

He pointed to an example in which a co-op building hired an uninsured contractor for a $625 job to scrape and paint a water-damaged hallway. The contractor didn’t have a ladder, so he stacked two paint cans on top of each other, fell and was hospitalized, eventually suffering short-term memory loss. The case was eventually settled for $4 million.

“This was a $600 job where a guy got on two paint cans, and he fell due to his own negligence, and it was deemed the responsibility of the property owner,” he said. “If we were another state, it would be comparative negligence where they would say, ‘Okay, well, John Smith was 50 percent negligent, and we were 50 percent negligent. We’re only responsible for 50 percent of this.’ That doesn’t happen in New York. In almost every single case, there is no defense for the property owner.”

Wolff stated this is why it’s important to allocate risk to insurance through a written contract. During the discussion, both

Wolff and Mackoul broke down how these contracts should be structured.

“Require copies of policies, including endorsements from the contractors, and never trust a certificate of insurance,” Mackoul said. “Everyone thinks they are doing their job perfectly by getting a certificate of insurance, but the truth is, you’ve got to take the next step.”

He stated this is because property owners need insurance that backs up the certificate of insurance to make it clear they’ve been added as an additional insured and will receive benefits for an accident.

“Why the property manager?” he said. “He gets named in every single lawsuit. The property manager’s contract has an indemnification clause in it, which requires the association to provide a defense or pay for their legal fees.”

The board and condo or co-op should also be named as additional insured, Mackoul said. In addition, property owners need to be aware of exclusions within policies, he explained, pointing to another example when a building owner received a copy of the insurance policy for the contractor it hired, which stated anything above four stories was excluded.

“It

was an eight-story building,” he said. “So technically, he had no insurance in the event of a claim.”

Specifying Insurance Type, Policy Limits

Mackoul said for this reason, contracts should always specify the type of insurance contractors have and the limit, as some homeowners insurance policies may exclude construction defects. “You think the insurance policy you have might cover it, but at the end of the day, it may not,” he said.

Mackoul said the primary type of insurance contractors should have is general liability, which covers bodily injury and property damage. General liability coverage should include at least $1 million per occurrence and a $2 million aggregate in the event of multiple occurrences, he added.

Products and completed operations insurance is also important in case of a defective product or faulty workmanship, he said, as well as workers’ compensation and even auto liability. “We’ve had situations where a contractor is running to Home Depot, speeding, makes a turn and runs somebody over," he said. "He gets sued, and so do

we. That’s the reason you want to make sure that he has auto insurance, because if we get named in a suit, we want to put it back on him.”

Finally, Mackoul explained contractors should have commercial umbrella and completed operations coverage for six years. “Commercial umbrella is just extra liability insurance,” he said. “Nobody sues for $1 million these days. Every lawsuit we see is $5 million and up.”

The statute of limitations in New York is six years for breach of contract, making completed operations coverage for that time an important element, he added.

“That’s about the longest you can hope to usually get back to a contractor for something that went wrong that the contractor did,” he said.

“Insurance needs to cover completed operations because four years from now, when the roof caves in because it was built wrong, that is a claim that I (the property owner) can bring back against you (the contractor). And when and if I do that, I want to make sure you’ve got insurance backing you up.”

Wolff said overall, the goal of taking these steps to ensure hired contractors have proper coverage is to keep insurance premiums from rising by reducing the burden of unnecessary claims.

“You don’t want to hire an uninsured contractor,” he said.

“You simply don’t. In the event of a claim, that is just going to leave you with a greater effort to find the money needed to make you whole or to defend you from a third party claim.”

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NATIONAL | Special Report | Emerging Risks

W

hen insurance experts are asked what they see as the most important emerging risk for the property/casualty insurance industry, their consensus is cyber in some form. (See

accompanying article on page 20 for cyber risks.)

While cyber obviously poses tremendous risks, some experts are also eyeing a variety of other emerging risks.

These include risks inherent in government and insurance policies, not to mention blockchain, urban transportation, coastal property, retail deliveries and recreation.

1. D&O Privacy

The new Facebook lawsuit suggests that privacy-related concerns may already represent a potential new source of corporate liability exposure.

The advent of the EU’s General Data Privacy Regulation (GDPR) will magnify these possibilities. While predictions of this kind are always tricky, it may be that privacy related issues may represent an emerging and growing area of potential directors and officers (D&O) liability exposure. It is important to note that these kinds of privacy concerns involve not just new

18 | INSURANCE JOURNAL | NATIONAL SEPTEMBER 3, 2018

age behemoths like Facebook that are hoovering huge volumes of personal information.

Many companies are capturing vast amounts of client and customer information, many of them in traditional industries — think how much your airline, your pharmacy, your credit card company, even your electric utility know about you.

Of course these companies are mining this information for their marketing efforts and pricing analyses. These companies may well be sharing this information with collaborators, joint venture partners,

third-party vendors, and so on. The recent developments at Facebook not only show the problems that can arise with the use of this kind of information, but also underscore how claims that this kind of information was mishandled can lead to bad publicity, a corporate crisis, and even significant D&O litigation. I could be wrong, of course, but I think we will see more D&O litigation in the future involving privacy issues. Indeed, the advent of the GDPR could significantly increase the likelihood of these possibilities. — Kevin M. LaCroix, INSURANCEJOURNAL.COM

The D&O Diary and executive vice president, RT ProExec, a division of R-T Specialty

2. Government Actions

The greatest industry vulnerability is constantly evolving governmental actions.

Government imposition of retroactive liability or limits on the ability of the marketplace to price risk can threaten marketplace stability. Industry security is also impacted by the effectiveness of government security policies preventing terrorist attacks — particularly cyber warfare. PCI is ever vigilant, working with policymakers to prevent or at least help our members mitigate and manage the next asbestos, superfund, or 9/11 solvency threat. Our members are also very focused on the current technology race that is driving massive insurer investment in IT and changing business strategies and platforms to meet escalating consumer expectations. Emerging government and technology risks intersect in the cyber world, with PCI members’ chief risk officers most worried about aggregate losses and direct company exposure to a largescale cyberattack. — Robert

Gordon, senior vice president, Policy, Research and International, Property Casualty Insurers Association of America

3. Sandbox Trap

Regulation of insurance. Some traditional carriers are pushing for laxation of rules and INSURANCEJOURNAL.COM

momentum exists for creating regulatory sandboxes for new companies and distributors.

For the legacy companies pushing for laxation, I’d suggest one should be careful of what one is wishing for. Reasonable but strong regulation protects companies often against themselves, and it protects consumers from companies that might find ways around quality capitalization, disclosure, and quality coverages. — Chris Burand,

founder and owner, Burand & Associates, agency consulting

4. Tax Accounting

The Tax Cuts and Jobs Act took effect on Jan. 1, 2018, and has had an immediate impact on accounting professionals because of the large overhaul on the U.S. Internal Revenue Code. I think it has produced two primary risks for an increase in claims: advisory-related risks associated with fully educating clients and managing client expectations and increased risk of error in the preparation of the tax return itself.

Both of these risks stem from the accountant needing to fully understand the new tax code changes and apply them accurately. — Catherine Putman,

underwriting director for Portfolio Management, Bond & Specialty Insurance at Travelers

5. Regulation Fragmentation

Regulatory fragmentation from state to state in the area of data

and cyber security.

There are many differences between EU’s General Data Protection Regulations (GDPR) and emerging U.S. state regulations. GDPR provides provisions around processing personally identifiable data (PII) of people residing in the EU, regardless of country citizenship and location. These “data controllers” can be EU firms or firms operating in the EU from other jurisdictions and must demonstrate technology, process and organizational compliance. The PII definition is broader than definitions of the same concept used in the U.S. and covers almost anything that can be attributable to a person. The cost and confusion for international reinsurers will only increase as more state regulations emerge. — Mitchell

questions. Clearly, they are competing only on price and so-called convenience. At some point, insurance providers will be operating about as efficiently as they can when it comes to sales and underwriting. At that point, the only way to compete on the basis of price will be to address the loss cost component of premiums.

I believe we’re seeing that right now and the easiest way to do that is to reduce the coverage in the insurance product and/ or engage in more restrictive claims practices. Buying policies that don’t cover much is itself a risky proposition.

— Bill Wilson, founder and CEO,

InsuranceCommentary.com

7. Irrelevant Policies

One of the biggest emerging risks is whether insurers will be able to adapt quickly and effectively to dramatic societal changes threatening to breach traditional policy boundaries and lines of business. To remain relevant for buyers operating in the sharing,

Wein, vice president of Research and Consulting, Novarica

6. Policy Deficiencies

I believe the most important emerging “risk” is increasing deficiencies in insurance policies themselves, especially in personal lines. Because of dominant industry advertising, consumers are being led into thinking the only real difference between insurance companies is the price of their policies. Compounding that is the emergence of insurtechs that tout they can place your insurance in seconds by asking only a few (or even one)

continued on page 20

SEPTEMBER 3, 2018 INSURANCE JOURNAL | NATIONAL | 19

NATIONAL | Special Report | Emerging Risks continued from page 19 virtual and gig economies, carriers will need to adapt policy language to account for the blurring of lines between commercial and personal use of property and time as well as among individual product lines. They also need to create new coverages or adjust existing policies to address new exposures in cyber risk, 3D printing, robotics and the use of drones, as well as increasingly alarming climate-related risks. — Sam Friedman, Insurance

Research Leader, Deloitte Center for Financial Services

8. Fundamental Auto

The fundamental changes to autos and the auto business in the next decade will provide opportunities and threats to

the auto insurance business.

Private and commercial auto insurance accounts for more than 40 percent of overall property/casualty direct written premium. Private and commercial auto insurance margins are constantly under pressure. Technology will confluence with planned auto industry movements toward mobility-as-a-service versus vehicles as products. Driver assistance technology with lidar, radar and other sensors provides greater safety in select situations, but concurrently increases the danger of drivers failing to pay attention. Even where safety is enhanced, the proposed lighter vehicles and increased miles driven create challenges to established pric-

ing models. Ride sharing, rideon-demand and fully automated vehicle business models are largely based on the premise of doing away with individual ownership of vehicles, which would impact personal auto insurance. Fundamental premises of who the “driver” is, state licensing and registration, and legal liability will be transformed by these developments, which will also impact insurance products and services. —

Tom Karol, general counsel-federal, National Association of Mutual Insurance Companies

9. Unprotected Assets

Digital assets already have more value than physical ones.

Since the Andreessen’s famous article “Why Software Is Eating

The E-merging Risk that Keeps on E-volving: Cyber 6 Reasons Cyber Remains Top Emerging Risk

P

roperty/casualty insurance experts may not agree on everything but there is a consensus that the most important emerging risk for the industry remains the five-letter word: CYBER. It is not new, of course, but it stays atop emerging risk lists because of its dynamic and pervasive nature.

Insurance Journal defines emerging risks as those that are new and not yet widely recognized, or perhaps recognized but not well understood.

A number of industry leaders explain why cyber remains such an important risk to watch.

slowing down. In fact, cyber risk is becoming more concerning as crime-as-a-service gains popularity and artificial intelligence technologies are used more frequently in attacks.

Internet of Thing devices are increasing the attack surface and providing more ammo for hackers. One of the more difficult aspects about insuring cyber risk is the dynamic nature of the risk. Just a few years ago, cyber-attacks primarily involved stealing private credit card and health information from large companies.

Today, cyber criminals focus on completely different tactics for making money, such as locking out users from computer Not Slowing Down systems using ransomware, or The number of data breaches secretly hijacking computers to and the average costs of cyber- mine cryptocurrency. And large corporations aren’t the only crime are rising every year. targets. According to an ISO These trends show no signs of

20 | INSURANCE JOURNAL | NATIONAL SEPTEMBER 3, 2018

analysis, 80 percent of cyber breach victims in 2017 were small and medium-sized businesses. —

Neil Spector, president, ISO, a Verisk business

Keeping Up with IoT

The biggest risks involve cyber crime. Under “emerging risks,” one of the biggest is the Internet of Things (IoT), and the cybersecurity risks created by billions of interconnected devices. The challenges for agents and brokers multiply in regard to understanding the potential implications, such as IoT devices in homes and businesses — tracking sensors, fire/flooding/intrusion warning devices and more. Agents need

the World” 10 years ago, this change has become evident.

However, insurance solutions that answer the need for protection of digital assets are not here yet. Obviously, cyber liability insurance is answering one part of these needs and will continue to grow, but I don’t think it is addressing all of the enormous needs of protecting digital assets. The higher the digital asset relevancy, the bigger and more articulated the need to protect it. I consider this the single most important emerging risk for P/C insurance professionals, so I would not be surprised to see an insurer create a business line dedicated to digital assets both in personal and commercial lines. — Matteo

to be aware of the questions to ask clients to ensure they are offering complete coverages. They need to be vigilant in keeping up with the IoT devices emerging at an astonishing pace.

— Robert Rusbuldt, CEO, Big “I” Independent Insurance Agents & Brokers of America.

High Severity

There are many scenarios where cyber risk comes into play, but one example is related to vehicle systems. Luxury automobiles, for example, have up to 150 or more computer programs that impact vehicle performance. Tractor trailer technology is also advancing rapidly, and just one of those systems being hacked could INSURANCEJOURNAL.COM

Carbone, founder and director, IoT Insurance Observatory

10. Risky Playgrounds

Architectural Digest magazine reports there is a new movement to bring risk back into parks and playgrounds.

Children’s playgrounds, with features including spiked nails and steep drops, have been gaining popularity in the UK and are coming to the U.S. Educators are claiming that “purposeful risky play promotes resilience and builds more self-reliant young people,” the article says. Public playgrounds are being designed to actively present that risk.

“What that looks like — playgrounds with access to saws,

have catastrophic results. WSIA conducts a biennial survey of members regarding emerging issues. Cyber exposure jumped in priority this year, with members agreeing the issue has high severity in terms of current impact industrywide. —

Jacqueline Schaendorf, president and CEO, Wholesale & Specialty Insurance Association

Cyber Property Damage

One definite area of emerging peril is the threat of substantial property destruction caused by intrusions into sensitive computer networks and connected hardware devices.

Long gone are the days where the worst aspect of cyber vulnerabilities amounted to stolen credit card information or lost privacy. Instead, a new breed of cyber exposure is unfolding whereby energy infrastructure facilities and other industrial works have been targeted with INSURANCEJOURNAL.COM

knives, loose bricks and two-by-fours, and fire — is something that might sound alarms for some parents here in the litigious U.S.,” the author writes. The “designed risk” movement is getting support in the U.S. from architects and designers, according to Cheri Ruane of the Boston Society of Landscape Architects.

Her firm designed a park in a Boston neighborhood that includes elevated concrete piers that children traverse to experience moving across uneven surfaces, plus a high tree house and a high, long slide. Parks in New York, Houston, Minneapolis and

cyber attacks causing explosions, wreckage and business interruption. Most expect these risks will soon expand to domestic infrastructure and transportation operations with the prospect of major instances of property damage and life-threatening injuries.

— Joshua Gold, shareholder attorney, Anderson Kill Immature Market

Cyber comes with a bit of a double-edge sword. On one hand, it is a new market that is growing faster than any other for the industry. But being an immature market means more time is needed to flesh out the data to improve underwriting.

Where cyber may be a more interesting market — perhaps even one that helps us peer into the future value of insurance — is how risk mitigation tools are being incorporated into the mix. We are seeing

Santa Clarita have also followed the trend. — Elizabeth Wallace,

Architectural Design, “Inside the Rise of “Risky’ Playground Design”

11. Dockless Scooters

Electric scooters are popping up in urban areas across the

many carriers partner with technology companies in order to assess the actual vulnerabilities within the customers.

This presents more stability for underwriting. Customers’ value may evolve in the future toward risk mitigation and resilience building. This would be a shift for an industry that — at least for the past several decades — has based its value on price.

— Sean Kevelighan, president and CEO, Insurance Information Institute Accumulation Risks

In a study titled “Advancing Accumulation Risk Management in Cyber Insurance,” global insurance think tank The Geneva Association focused on the

country. In some locations, the firms — Bird, Lime, Spin and others — have flooded sidewalks with their scooters, following the “ask for forgiveness, not permission” tactic of early Uber. Users pay

continued on page 22

danger of accumulation risks as a threat to cyber insurance.

The report highlights several cyber accumulation risk challenges: • Insurers and reinsurers could underestimate non-affirmative cyber exposure leading to an unplanned shock from a major event.

Non-affirmative cyber exposure occurs when a cyber attack causes major losses by triggering coverages in other classes.

• Data are of insufficient quality, are incomplete and/ or lack the necessary consistency for more advanced modeling techniques.

• Governments predominantly fail to provide frameworks for the sharing of largescale cyber-terrorismlosses.

– Anna Maria D’Hulster, secretary general, The Geneva Association

SEPTEMBER 3, 2018 INSURANCE JOURNAL | NATIONAL | 21

NATIONAL | Special Report | Emerging Risks continued from page 21 through an app with a credit card and do not have to return the scooters to a particular location. There have been complaints of scooters abandoned on sidewalks and in doorways.

Some cities have moved to ban them, if only temporarily, until rules are in place. Cities are balking, but the trend is taking hold. Injuries are growing. Dr. Natasha Trentacosta of CedarsSinai in Los Angeles said she is seeing injured patients on a daily basis, including some who need surgery at least once or twice a week. Personal injury lawyers have taken note.

Bloomberg reported people hurt riding or hit by scooters in San Francisco and Los Angeles have been calling legal firms to file claims. Personal injury law firm Omega Law Group in Beverly Hills reports getting five calls a week for scooter accidents since April. “Most of the calls come from riders hit by reck- less motorists who are not used to sharing the road with the small scooters,” the firm’s website says.

Another firm told Blomberg that while riders hit by cars may have a strong cases, pedestrians injured by scooters on a sidewalk are often out of luck because there is no insurance company to sue.

12. Driving Deliveries

Europe’s agency for workplace health and safety (EU-OSHA)

thinks the rising demand for fast and free home and work delivery of retail goods needs monitoring. Purchasers are expecting faster deliveries and more accurate delivery times but are not willing to pay the price, which is bound to impact delivery driving. First, the increase in e-retail means there are more driving jobs, including gig economy drivers who tend to use private cars to fulfil deliveries. There is a link between business driving and increased musculoskeletal disorders rates (especially lower back pain). Possibly compounding this are health risk factors for drivers, including: compromised employer terms and conditions related to gig economy drivers; long working hours, possibly resulting in driver fatigue; and increased performance demands linked to fast delivery and specific delivery times.

While improvements in delivery vehicle and equipment design and the introduction of driverless vehicles may help alleviate health risks, these could take years to be mainstream.

13.

Compliance Witnesses

New research from corporate consultants at Gartner indicate that employees who witness misconduct are twice as likely to leave an organization. Twenty-nine percent of employees observed at least one compliance violation at work in 2016 or 2017, accord-

22 | INSURANCE JOURNAL | NATIONAL SEPTEMBER 3, 2018

ing to a Gartner survey of more than 5,000 employees.

Fifty-nine percent of those who observed a compliance violation were actively looking for a new job, compared with 29 percent who did not witness bad behavior. “While attrition is not an obvious area of concern for compliance executives, it should be,” says Brian Lee, compliance practice leader at Gartner. “Employee misconduct and the failure of compliance to address it plays a considerable role in motivating employees to leave their current organization.” Lee also says that the departure of key employees should be deemed a warning of possible underlying compliance-related issues. Employee attrition costs large organizations millions of dollars each year and the loss of a particularly conscientious employee can be debilitating, not just to culture and morale, but to employee productivity, according to Gartner.

14.

Coastal Communities and Property Values

Recent studies suggest that the threat of rising seas is undermining property values in coastal communities.

Researchers at the University of Colorado and Pennsylvania State found that homes with exposure to the sea sold for 6.6 percent less than unexposed homes. Harvard University researchers found that properties at higher elevations were appreciating faster than properties at lower elevations.

Insurance Journal has reported that, according to the Union of Concerned Scientists, accelerating sea level could put more than $1 trillion in property at risk by the end of the century.

The report shows Florida has roughly one million homes and $351 billion in decreased property values at risk of chronic flooding by century’s end, followed by New Jersey (250,000 homes), and New York (143,000 homes). Nearly 175 U.S. coastal communities may see 10 percent or more homes at risk of chronic flooding by 2045.

Places that could be hit hardest include Louisiana, Maryland, New Jersey and North Carolina.

15. Smart Contracts

While smart contracting based on digital ledger or blockchain technology holds great promise for the insurance industry, it isn’t without risks. Locke Lord attorneys Christopher Barth and Theodore Augustinos, writing in Insurance Journal, point out that some of the benefits of blockchain — immutability, transparency and decentralization — also present concomitant risks. For example, if an insurer inadvertently discloses nonpublic personal information subject to privacy protections over the blockchain, there is no “control-alt-delete” button enabling a do-over. Further, remedial efforts will be hampered by the permanency of the disclosure and its widespread distribution. Ross Nodurft, risk management leader at One World Identity, reminded a PLUS audience this year: “One reason you have to be careful is because garbage in, and garbage out. You are going to build up an identity that’s either private or it’s wrong,” he said.

“So, you have to be careful about what’s going in during the initial creation and verification when using blockchain for identity.”

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Welcome to Insurance Journal’s 2018 Professional Liability Directory. We’ve compiled this directory of professional liability providers to assist independent agents and brokers in their search for markets. In today’s highly litigious world, professional liability coverages have become critical insurance for many businesses. This directory has been designed to serve as a quick reference guide that allows users to locate carriers, wholesale brokers and managing general agencies offering professional liability coverage. The information published in this directory was submitted directly by the providers and includes their contact information, Web site and states where coverage is available. For a complete listing of markets offered by providers named in this directory, visit: www. insurancejournal.com/resources and type in “professional liability” under the Excess & Surplus, “find a market” option. To submit a listing for future directories, e-mail Kristine Honey at: khoney@insurancejournal.com.

We hope you find IJ’s Professional Liability Directory to be a useful tool.

To comment on this directory, or any other IJ resource, please e-mail: editorial@insurancejournal.com.

Accountants Liability (continued)

Accountants Liability Company

360 Coverage Pros Agency Marketing Services

All Risks, Ltd. Allsouth Professional Liability Alta Professional Insurance Services (MI) AMIS/Alliance Marketing & Insurance Services Aon Affinity Argo Pro Arlington/Roe Berkley Select Berkshire Hathaway GUARD Insurance Companies Betty Harder & Associates, Inc.

CAMICO Mutual Insurance Company CNA Cooper & McCloskey, Inc. CPA Protector Plan Donald Gaddis Co., Inc. Insurance Svcs Founders Professional Fox Point Programs Global Financial & Insurance Services Gumtree Wholesale Insurance Brokers, Inc. Herbert H. Landy Insurance

Intercorp, Inc. James River Insurance Company Jamison Risk Services Keystone Insurance Services, Inc. Keystroke Underwriters Kinsale Insurance Company Lionheart Insurance Services, Inc. McGowan, Donnelly & Oberheu, LLC (MDO) Monarch E&S Insurance Services N-Surance Outlets, Inc. Navigators Pro NeitClem Wholesale Insurance Brokerage, Inc. Philadelphia Insurance Companies

Prime Insurance Company

Professional Underwriters Agency, Inc.

Company

States All States AL CA CO FL GA KS LA MO NC NJ OH PA SC TN TX All States Multiple – please contact us.

IN IL MI MN OH WI All States All States Most States All States All States Most States AL AZ CO GA IL LA ME MI MO MS NC NM OH OR TN TX VA WI WY All States except AK HI MT VT WY All States Most States All States except VT All States All States except AK All States (varies based on class of business) TX AL AR KS KY LA MO MS TN T All States except AK & LA (includes Tax Preparers & Bookkeepers)

All States All States All States except AK NV TX All States except HI All States All States All States AZ CA HI NV TX FL GA LA TN All States AZ CA NV All States except LA Most States All States

24 | INSURANCE JOURNAL | NATIONAL SEPTEMBER 3, 2018

Program Brokerage Corporation RLI Insurance Company SIS Wholesale Insurance Services Southern Insurance Underwriters, Inc. CMGA Specialty Insurance Managers, Inc. Target Professional Programs The Hanover Insurance Group U.S. Risk Insurance Group, LLC Western Security Surplus Insurance Brokers, Inc. Western Surplus Lines Agency, Inc.

States All States All States All States AL FL GA MS NC SC TN AR MO NM OK TX All States Most States All States AZ CA CO FL NV OR TX UT WA LA ND NM OK TX

Allied Health Care Professional Liability Company

States

Access E&S Insurance Services (VA)

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Citadel Insurance Services, LC CNA

All States Multiple – please contact us.

All States CA All States All States All States All States (includes Social Services) All States TX All States IL IN WI All States All States AZ CA CO ID MD NE NM NV OR PA TN TX UT WA All States All States

All Risks, Ltd. All Solutions PBS, LLC

All States

INSURANCEJOURNAL.COM

Allied Health Care Professional Liability (continued) Company

Cooper & McCloskey, Inc. CRC Insurance Services CRC Swett Delta General Agency Corp.

Donald Gaddis Co., Inc. Insurance Svcs Eaton Professional Insurance Services Executive Insurance Professionals, PLLC GIC Underwriters, Inc. Global Financial & Insurance Services Gumtree Wholesale Insurance Brokers, Inc. Hallmark Financial Services, Inc. International Excess Companies J.M. Wilson

James River Insurance Company

Jimcor Agencies

Joseph Krar & Associates, Inc. Keystone Insurance Services, Inc. King Insurance Support Systems Lionheart Insurance Services, Inc. M.J. Hall & Company, Inc. MarketScout Maverick Commercial Insurance Services MAXIMUM McGowan, Donnelly & Oberheu, LLC (MDO) Morstan General Agency, A div of Hull & Co., Inc. Navigators Pro NIF Group, Inc. Patriot National Underwriters, Inc. PBS Insurance Underwriting Corporation Pennock Insurance, Inc. Philadelphia Insurance Companies ProAssurance Mid-Continent Underwriters, Inc. Professional Liability Specialists Professional Program Insurance Brokerage Program Brokerage Corporation Promont Advisors, LLC ProWriters Quaker Special Risk - FL MA NJ NY offices Quirk & Company RMIS

Rockwood Programs, Inc. RPS Healthcare Russell Bond & Co., Inc. SCU - Middletown Shelly, Middlebrooks & O’Leary, Inc. Sierra Specialty Southern Insurance Underwriters, Inc. CMGA Specialty Insurance Managers, Inc. Specialty Lines Underwriters Sullivan Brokers Wholesale Ins. Solutions , A Worldwide Facilities, LLC Company TAPCO Underwriters, Inc. Tejas American General Agency Tennant Risk Svcs, a div. of Worldwide Facilities, LLC The Hanover Insurance Group tKg Wholesale Brokerage U.S. Risk Insurance Group, LLC USG Insurance Services, Inc. W. Brown & Associates Insurance Services Western Special Risks, Inc. Worldwide Facilities, LLC

States Most States All States All States TX All States CA CA OK GA TX FL TX AL AR KS KY LA MO MS TN TX All States All States AL AR FL GA IA IL IN KS KY MI MO NC NE OH OK PA SC TN VA WI WV All States CA CT DE FL GA MA MD NH NJ NY OH PA RI SC TX WV CT MA RI TX Nationwide All States AK AZ CA HI NV All States All States All States All States All States All States All States OK TX All States except AK KS DC DE FL GA MD NC NJ PA VA WV All States except LA All States All States All States All States All States except AR MS All States Most States LA NM OK OR TX WA AZ CA IA IL IN MI MN MO NE NM NV OH OR TX WI All States (varies based on program) All States Most States All States AL FL GA MS NC SC TX All States AL FL GA MS NC SC TN AR MO NM OK TX IL IN WI All States Most States AR LA NM OK TX All States Most States All States All States All States CA AZ CA NM NV TX UT All States

Architects & Engineers Liability Company

States

Access E&S Insurance Services (VA)

Agency Marketing Services

Agentic Insurance, LLC Alexander J. Wayne & Associates, Inc. All Performance Insurance Solutions

DC DE GA IL MD NC NJ NY OH PA SC TN TX VA AL CA CO FL GA KS LA MO NC NJ OH PA SC TN TX DC DE FL MD NJ NY PA VA All States CA MI TX

Allsouth Professional Liability Alta Professional Insurance Services (MI) AMIS/Alliance Marketing & Insurance Services AmWINS Group, Inc. - 100 Offices Nationwide Anderson & Murison, Inc. Aon Affinity Appalachian Underwriters, Inc. Argo Pro Arlington/Roe Ashley General Agency Bailey Special Risks, Inc. Benchmark Management Group, Inc. Berkshire Hathaway GUARD Insurance Companies Boston Insurance Brokerage

Multiple – please contact us.

IN IL MI MN OH WI All States All States CA All States All States Most States All States TX All States except AK HI IL IN WI Most States All States

All Risks, Ltd.

INSURANCEJOURNAL.COM

Architects & Engineers Liability (continued)

All States

Company

Braishfield Associates, Inc. Burns & Wilcox — All Offices Business Risk Partners Capitol Special Risks, Inc. CID Insurance Programs, Inc.

Citadel Insurance Services, LC

CNA

Commercial Sector Insurance Brokers, LLC Cooper & McCloskey, Inc. CRC Insurance Services CRC Swett DFCORBY Insurance Services

Donald Gaddis Co., Inc. Insurance Svcs

Eaton Professional Insurance Services eKo Specialty Insurance Services, Inc. Erickson-Larsen, Inc. Euclid Architects & Engineers Executive Insurance Professionals, PLLC Founders Professional Fox Point Programs Freberg Environmental, Inc. G.J. Sullivan Company Gorst & Compass Insurance Gumtree Wholesale Insurance Brokers, Inc. Hill Program Managers, LLC Indemnity Excess & Surplus Agency, Inc. Intercorp, Inc. International Excess Companies Jacobs & Associates, Inc. James River Insurance Company Jimcor Agencies

Joseph Krar & Associates, Inc. Keystone Insurance Services, Inc. King Insurance Support Systems Kinsale Insurance Company Land Design Insurance Group

Landmark E & S Lionheart Insurance Services, Inc. M.J. Hall & Company, Inc. M.J. Kelly Company MarketScout MAXIMUM Monarch E&S Insurance Services Morstan General Agency, A div of Hull & Co., Inc. N-Surance Outlets, Inc. Navigators Pro NeitClem Wholesale Insurance Brokerage, Inc. Networked Insurance Agents New England Excess Exchange, Ltd..

Patriot National Underwriters, Inc. Philadelphia Insurance Companies Professional Insurance Concepts Professional Liability Brokers & Consultants, Inc. Professional Liability Specialists Professional Underwriters Agency, Inc. Program Brokerage Corporation ProWriters Quadrant Insurance Managers Quaker Special Risk - FL MA NJ NY offices Quirk & Company RLI Insurance Company Roush Insurance Services, Inc. RPS Executive Lines RT Specialty SCU - Middletown Shelly, Middlebrooks & O’Leary, Inc. Sierra Specialty SIS Wholesale Insurance Services Southern Insurance Underwriters, Inc. CMGA Specialty Insurance Managers, Inc. Specialty Lines Underwriters Sullivan Brokers Wholesale Ins. Solutions , A Worldwide Facilities, LLC Company TAPCO Underwriters, Inc. Target Professional Programs Tejas American General Agency Tennant Risk Svcs, a div. of Worldwide Facilities, LLC The Hanover Insurance Group tKg Wholesale Brokerage Tokio Marine/HCC

U.S. Risk Insurance Group, LLC

USG Insurance Services, Inc. Victor O. Schinnerer & Company W. Brown & Associates Insurance Services Western Security Surplus Insurance Brokers, Inc. Western Special Risks, Inc. Western Surplus Lines Agency, Inc.

States All States All States All States All States AZ CA CO ID MD NE NM NV OR PA TN TX UT WA All States (includes Oilfield Consultants

PL/GL) All States All States Most State All States All States

CA All States CA AZ CA FL NV NY OR UT MN MT ND SD WI WY Most States CA OK GA TX All States except AK All States (varies based on class of business All States CA CA AL AR KS KY LA MO MS TN TX All States Western States All States All States OH All States CA CT DE FL GA MA MD NH NJ NY OH PA RI SC TX WV CT MA RI TX Nationwide All States AL FL GA IL IN KS KY MI MN MO NC NE OH SC TN TX WA WV Most States All States AK AZ CA HI NV AR FL IA IL KS LA MO MS NC OK SC TN TX All States All States AZ CA HI NV TX All States FL GA LA TN All States AZ CA NV AZ CA CO ID NM NV TX UT WY CT MA MD ME NH NJ NY OH PA RI VT OK TX All States except LA All States All States All States All States All States All States All States Most States (includes Construction Mgrs) LA NM OK OR TX WA All States IL IN OH All States All States All States AL FL GA MS NC SC TX All States All States AL FL GA MS NC SC TN AR MO NM OK TX IL IN WI All States

Most States All States AR LA NM OK TX All States Most States All States All States (Includes Contractors PL)

All States

All States Most States CA AZ CA CO FL NV OR TX UT WA AZ CA NM NV TX UT LA ND NM OK TX

SEPTEMBER 3, 2018 INSURANCE JOURNAL | NATIONAL | 25

Beauty/Barber Shop E&O Company

Cyber Liability (continued) States

Woodlands Insurance Services, LLC Most States Worldwide Facilities, LLC All States All Risks, Ltd. All States AMIS/Alliance Marketing & Insurance Services All States Ashley General Agency TX Baker Insurance and Bonds, LLC All States Cooper & McCloskey, Inc. Most States Donald Gaddis Co., Inc. Insurance Svcs All States Erickson-Larsen, Inc. MN MT ND SD WI WY First Choice Insurance Intermediaries, Inc. CA CT DE FL GA KS LA MA MD MO NC

NJ NV NY PA OH OR SC TN TX VA WA GIC Underwriters, Inc. FL Irwin Siegel Agency, Inc. All States Joseph Krar & Associates, Inc. CT MA RI MacNeill Group, Inc., CMGA FL NC SC VA Philadelphia Insurance Companies All States except LA Professional Liability Ins. Svcs - Underwriting Facilities All States Professional Program Insurance Brokerage All States RMIS AZ CA IA IL IN MI MN MO NE NM NV OH

OR TX WI SASSI - Salon & Spa Specialty Insurance Most States Shelly, Middlebrooks & O’Leary, Inc. AL FL GA MS NC SC TX TAPCO Underwriters, Inc. Most States USASIA Insurance Services AZ CA Western Security Surplus Insurance Brokers, Inc. AZ CA CO FL NV OR TX UT WA

Crime Company

States

All Risks, Ltd. Alliant Insurance Services Alta Professional Insurance Services (MI) AMIS/Alliance Marketing & Insurance Services Argo Pro Axis Insurance Services, LLC Baker Insurance and Bonds, LLC Brownyard Group

Business Risk Partners Capitol Special Risks, Inc. Chubb Cochrane and Company

Commercial Sector Insurance Brokers, LLC Cooper & McCloskey, Inc. Costanza Insurance Agency, Inc. Donald Gaddis Co., Inc. Insurance Svcs Eastern E&O Brokers, Inc. Energi GIC Underwriters, Inc. Herbert H. Landy Insurance Izzo Insurance Services, Inc. Jamison Risk Services Navigators Pro Networked Insurance Agents Norman-Spencer Agency, Inc. Philadelphia Insurance Companies Prime Insurance Company Professional Insurance Concepts Program Brokerage Corporation ProSurance Group, Inc. RPS Technology & Cyber RT Specialty SCU - Middletown SIS Wholesale Insurance Services Sullivan Brokers Wholesale Ins. Solutions , A Worldwide Facilities, LLC Company SWBC The Hanover Insurance Group U.S. Brokers Network, Inc. U.S. E&O Brokers U.S. Risk Insurance Group, LLC USASIA Insurance Services W. Brown & Associates Insurance Services Woodlands Insurance Services, LLC Worldwide Facilities, LLC

Company

360 Coverage Pros Alexander J. Wayne & Associates, Inc.

All States All States IN IL MI MN OH WI All States Most States = All States All States Most States (includes first & third party

dishonesty) All States All States All States AK AZ CA CO ID MT ND NM NV OR UT WA WY All States Most States All States All States Most States All States FL

All States All States IN IL MI MN OH WI All States All States All States

All States except AK & LA

All States All States except AK NV All States AZ CA CO ID NM NV TX UT WY All States All States except LA Most States All States All States All States All States All States (includes Kidnap & Ransom) All States All States All States TX Most States All States except AK CA HI All States All States AZ CA CA Most States

All States

Cyber Liability

All Risks, Ltd.

All Solutions PBS, LLC Alliant Insurance Services Alta Professional Insurance Services (MI) AMIS/Alliance Marketing & Insurance Services AmWINS Group, Inc. - 100 Offices Nationwide Appalachian Underwriters, Inc.

States All States All States

All States

26 | INSURANCE JOURNAL | NATIONAL SEPTEMBER 3, 2018

Company

ARC West Coast Excess & Surplus Brokerage, LLC Argo Pro Arlington/Roe Atlantic Risk Specialists Axis Insurance Services, LLC Bailey Special Risks, Inc. Baker Insurance and Bonds, LLC Benchmark Management Group, Inc. Braishfield Associates, Inc. Brownyard Group Burns & Wilcox — All Offices Business Risk Partners Capitol Special Risks, Inc. Chubb CID Insurance Programs, Inc.

Cochrane and Company

Commercial Insurance Group Commercial Sector Insurance Brokers, LLC Cooper & McCloskey, Inc. CPA Protector Plan CRES Insurance Services, LLC, LLC Delta General Agency Corp.

DFCORBY Insurance Services

Donald Gaddis Co., Inc. Insurance Svcs

Eastern E&O Brokers, Inc. Eaton Professional Insurance Services eKo Specialty Insurance Services, Inc. Energi Erickson-Larsen, Inc. Executive Insurance Professionals, PLLC Gateway Specialty Insurance GIC Underwriters, Inc. Global Financial & Insurance Services Gorst & Compass Insurance Gray-Stone & Company, Inc. Great American Ins. Group - Executive Liab. Division Greenhill Insurance Services Gumtree Wholesale Insurance Brokers, Inc. Hartford Steam Boiler Inspection & Insurance Co. Herbert H. Landy Insurance Heritage Specialty Insurance Agency, LP Indemnity Excess & Surplus Agency, Inc. Insurance Agents & Brokers Service Group, Inc. International Excess Companies Irwin Siegel Agency, Inc. IT Risk Managers, Inc. J.M. Wilson

James Klein Insurance Service, Inc. Jamison Risk Services Jimcor Agencies

Joseph Krar & Associates, Inc. Keystone Insurance Services, Inc. Keystroke Underwriters King Insurance Support Systems Lionheart Insurance Services, Inc. M.J. Hall & Company, Inc. MacNeill Group, Inc., CMGA Markel Assurance MarketScout MAXIMUM McGowan, Donnelly & Oberheu, LLC (MDO) Monarch E&S Insurance Services National Association of Professional Agents (NAPA) Navigators Pro Negley Associates Networked Insurance Agents New England Excess Exchange, Ltd..

NIF Group, Inc. Norman-Spencer Agency, Inc. Pennock Insurance, Inc.

States All States Most States All States (includes Privacy & Security) All States All States All States except AK HI All States IL IN WI All States (includes Patent Infringement) Most States All States All States All States All States AZ CA CO ID MD NE NM NV OR PA TN TX UT WA AK AZ CA CO ID MT ND NM NV OR UT WA WY Most States All States Most States All States except VT Most States TX CA

All States

Most States CA AZ CA FL NV NY OR UT All States MN MT ND SD WI WY CA OK GA TX All States

FL TX CA Most States All States All States AL AR KS KY LA MO MS TN TX All States All States except AK & LA AR OK TX Western States DE MD PA (for Ins. Agents & Brokers only) All States All States All States except AK HI AL AR FL GA IA IL IN KS KY MI MO NC NE OH OK PA SC TN VA WI WV Most States All States CA CT DE FL GA MA MD NH NJ NY OH PA RI SC TX WV CT MA RI TX All States except HI Nationwide All States AK AZ CA HI NV FL NC SC VA All States (includes Cyber Security) All States All States All States AZ CA HI NV TX All States All States All States AZ CA CO ID NM NV TX UT WY CT MA MD ME NH NJ NY OH PA RI VT All States All States DC DE FL GA MD NC NJ PA VA WV Philadelphia Insurance Companies All States except LA Professional Insurance Concepts All States Professional Liability Brokers & Consultants, Inc. All States Professional Liability Ins. Svcs - Underwriting Facilities All States Program Brokerage Corporation All States ProSurance Group, Inc. All States ProWriters All States Quadrant Insurance Managers All States Rockwood Programs, Inc. All States (varies based on program) RMIS AZ CA IA IL IN MI MN MO NE NM NV OH

OR TX WI RPS Executive Lines All States

RPS Technology & Cyber All States RT Specialty All States (includes Privacy & Security) Russell Bond & Co., Inc. Most States SCU - Middletown All States Sierra Specialty All States SIS Wholesale Insurance Services All States Southern Insurance Underwriters, Inc. CMGA AL FL GA MS NC SC TN Specialty Insurance Managers, Inc. AR MO NM OK TX

INSURANCEJOURNAL.COM

Cyber Liability (continued) Company

D&O Liability (continued)

States

Specialty Lines Underwriters Sullivan Brokers Wholesale Ins. Solutions , A Worldwide Facilities, LLC Company SWBC Tennant Risk Svcs, a div. of Worldwide Facilities, LLC ThinkRisk Underwriting Agency Tokio Marine HCC Professional Lines Group tKg Wholesale Brokerage U.S. Brokers Network, Inc. U.S. E&O Brokers

IL IN WI All States

USG Insurance Services, Inc. Victor O. Schinnerer & Company W. Brown & Associates Insurance Services Western Special Risks, Inc. Western Surplus Lines Agency, Inc. Western World Insurance Group Woodlands Insurance Services, LLC Worldwide Facilities, LLC

All States Most State CA AZ CA NM NV TX UT LA ND NM OK TX Most States Most States All States

U.S. Risk Insurance Group, LLC

TX All States All States All States All States All States except AK CA HI All States

All States

D&O Liability Company

Access E&S Insurance Services (VA)

Agentic Insurance, LLC All Performance Insurance Solutions All Risks, Ltd. All Solutions PBS, LLC Alliant Insurance Services Allsouth Professional Liability Alta Professional Insurance Services (MI) AMIS/Alliance Marketing & Insurance Services AmWINS Group, Inc. - 100 Offices Nationwide Anderson & Murison, Inc. Appalachian Underwriters, Inc. ARC West Coast Excess & Surplus Brokerage, LLC Argo Pro Arlington/Roe Ashley General Agency Atlantic Risk Specialists Axis Insurance Services, LLC Bailey Special Risks, Inc. Baker Insurance and Bonds, LLC Benchmark Management Group, Inc. Berkley Select Boston Insurance Brokerage Braishfield Associates, Inc. Burns & Wilcox — All Offices Business Risk Partners Chubb CID Insurance Programs, Inc.

Citadel Insurance Services, LC Cochrane and Company

Commercial Insurance Group Commercial Sector Insurance Brokers, LLC

States

DC DE GA IL MD NC NJ NY OH PA SC TN TX VA DC DE FL MD NJ NY PA VA CA MI TX All States All States All States Multiple – please contact us.

IN IL MI MN OH WI All States All States CA All States All States Most States All States TX All States All States All States except AK HI All States IL IN WI All State All States All States All States All States All States AZ CA CO ID MD NE NM NV OR PA TN TX UT WA All States AK AZ CA CO ID MT ND NM NV OR UT WA WY Most States All States Cooper & McCloskey, Inc. Most States Costanza Insurance Agency, Inc. All States CRC Insurance Services All States CRC Swett All States CRES Insurance Services, LLC Most States

Delta General Agency Corp.

TX Donald Gaddis Co., Inc. Insurance Svcs All States Eastern E&O Brokers, Inc. Most States Eaton Professional Insurance Services CA eKo Specialty Insurance Services, Inc. AZ CA FL NV NY OR UT Energi All States Executive Insurance Professionals, PLLC CA OK GA TX Founders Professional All States except AK Gateway Specialty Insurance All States

GIC Underwriters, Inc. FL Gorst & Compass Insurance CA Gray-Stone & Company, Inc. Most States Great American Ins. Group - Executive Liab. Division All States Gumtree Wholesale Insurance Brokers, Inc. AL AR KS KY LA MO MS TN TX Hallmark Financial Services, Inc. All States Herbert H. Landy Insurance All States except AK & LA Heritage Specialty Insurance Agency, LP AR OK TX Indemnity Excess & Surplus Agency, Inc. Western States Insurance Agents & Brokers Service Group, Inc. DE MD PA (for Ins. Agents & Brokers only) Intercorp, Inc. All States IPA Risk Management, LLC All States Irwin Siegel Agency, Inc. All States

IT Risk Managers, Inc. All States except AK HI J.M. Wilson AL AR FL GA IA IL IN KS KY MI MO NC

NE OH OK PA SC TN VA WI WV Jacobs & Associates, Inc. OH Jimcor Agencies CA CT DE FL GA MA MD NH NJ NY OH PA

RI SC TX WV Joseph Krar & Associates, Inc. CT MA RI

INSURANCEJOURNAL.COM

Company

King Insurance Support Systems Kinsale Insurance Company Lionheart Insurance Services, Inc. M.J. Hall & Company, Inc. M.J. Kelly Company MacNeill Group, Inc., CMGA Markel Assurance MarketScout MAXIMUM McGowan, Donnelly & Oberheu, LLC (MDO) Midlands Management Corp.

Monarch E&S Insurance Services Morstan General Agency, A div of Hull & Co., Inc. Navigators Pro Negley Associates NeitClem Wholesale Insurance Brokerage, Inc. Networked Insurance Agents New England Excess Exchange, Ltd..

NIF Group, Inc. PBS Insurance Underwriting Corporation Pennock Insurance, Inc. Philadelphia Insurance Companies Prime Insurance Company Professional Governmental Underwriters Professional Insurance Concepts Professional Liability Brokers & Consultants, Inc. Professional Liability Specialists Professional Underwriters Agency, Inc. Program Brokerage Corporation ProWriters Quirk & Company Quadrant Insurance Managers Quaker Special Risk - FL MA NJ NY office RLI Insurance Company RMIS

Rockwood Programs, Inc. Roush Insurance Services, Inc. RPS Executive Lines RPS Technology & Cyber RT Specialty Russell Bond & Co., Inc. SCU - Middletown Shelly, Middlebrooks & O’Leary, Inc. SIS Wholesale Insurance Services Southern Insurance Underwriters, Inc. CMGA Specialty Insurance Managers, Inc. Specialty Lines Underwriters Sullivan Brokers Wholesale Ins. Solutions , A Worldwide Facilities, LLC Company SWBC TAPCO Underwriters, Inc. Tejas American General Agency Tennant Risk Svcs, a div. of Worldwide Facilities, LLC The Hanover Insurance Group tKg Wholesale Brokerage U.S. E&O Brokers U.S. Risk Insurance Group, LLC United Educators USASIA Insurance Services USG Insurance Services, Inc. Victor O. Schinnerer & Company W. Brown & Associates Insurance Services Western Special Risks, Inc. Western World Insurance Group Woodlands Insurance Services, LLC Worldwide Facilities, LLC

States Nationwide (includes profit and non-profit) All States All States AK AZ CA HI NV AR FL IA IL KS LA MO MS NC OK SC TN TX FL NC SC VA All States All States All States All States All States AZ CA HI NV TX All States All States All States AZ CA NV AZ CA CO ID NM NV TX UT WY CT MA MD ME NH NJ NY OH PA RI VT All States All States except AK KS DC DE FL GA MD NC NJ PA VA WV All States except LA Most States All States All States All States All States All States All States All States LA NM OK OR TX WA All States Most States All States AZ CA IA IL IN MI MN MO NE NM NV OH OR TX WI All States (varies based on program) IL IN OH All States All States All States (includes Private Mgmt Liability) Most States All States AL FL GA MS NC SC TX All States AL FL GA MS NC SC TN

AR MO NM OK TX IL IN WI All States

TX Most States AR LA NM OK TX All States Most States All States All States All States

All States AZ CA All States Most States CA AZ CA NM NV TX UT Most States Most States All States

E&O (General) Company

360 Coverage Pros Access E&S Insurance Services (VA)

Agency Marketing Services

Agentic Insurance, LLC All Performance Insurance Solutions All Risks, Ltd. Alliant Insurance Services Anderson & Murison, Inc. Appalachian Underwriters, Inc. ARC West Coast Excess & Surplus Brokerage, LLC Ashley General Agency Atlantic Risk Specialists Axis Insurance Services, LLC Bailey Special Risks, Inc. Baker Insurance and Bonds, LLC Benchmark Management Group, Inc. Capitol Special Risks, Inc. Chubb CID Insurance Programs, Inc.

States All States DC DE GA IL MD NC NJ NY OH PA SC TN TX VA AL CA CO FL GA KS LA MO NC NJ OH PA SC TN TX DC DE FL MD NJ NY PA VA CA MI TX All States All States CA All States All States TX All States All States All States except AK HI All States IL IN WI All States All States AZ CA CO ID MD NE NM NV OR PA TN

SEPTEMBER 3, 2018 INSURANCE JOURNAL | NATIONAL | 27

E&O (General) Company

E&O (General)

(continued)

States

Citadel Insurance Services, LC

TX UT WA All States CNA All States Cochrane and Company AK AZ CA CO ID MT ND NM NV OR UT

WA WY

Commercial Insurance Group Most States Commercial Sector Insurance Brokers, LLC All States Cooper & McCloskey, Inc. Most States Costanza Insurance Agency, Inc. All States CPA Protector Plan All States except VT CRC Insurance Services All States CRC Swett All States CRES Insurance Services, LLC Most States Delta General Agency Corp.

TX DFCORBY Insurance Services CA Donald Gaddis Co., Inc. Insurance Svcs All States Eastern E&O Brokers, Inc. Most States Eaton Professional Insurance Services CA eKo Specialty Insurance Services, Inc. AZ CA FL NV NY OR UT Energi All States Executive Insurance Professionals, PLLC CA OK GA TX First Choice Insurance Intermediaries, Inc. CA CT DE FL GA KS LA MA MD MO NC

NJ NV NY PA OH OR SC TN TX VA WA Fox Point Programs All States (varies based on class of business) G.J. Sullivan Company CA GIC Underwriters, Inc. FL Gorst & Compass Insurance CA Gray-Stone & Company, Inc. Most States All States except AK & LA

Herbert H. Landy Insurance AR OK TX Heritage Specialty Insurance Agency, LP Houston International Insurance Group All States except AK HI Insurance Agents & Brokers Service Group, Inc. DE MD PA (for Ins. Agents & Brokers only) Intercorp, Inc. All States IT Risk Managers, Inc. All States except AK HI J.M. Wilson AL AR FL GA IA IL IN KS KY MI MO NC

NE OH OK PA SC TN VA WI James Klein Insurance Service, Inc. Most States Jamison Risk Services All States except AK NV JLT Facilities, Inc. All States Keystroke Underwriters All States except HI Kinsale Insurance Company All States Lionheart Insurance Services, Inc. All States M.J. Kelly Company AR FL IA IL KS LA MO MS NC OK SC TN TX MacNeill Group, Inc., CMGA FL NC SC VA Markel Assurance All States Maverick Commercial Insurance Services All States

Midlands Management Corp.

All States National Association of Professional Agents (NAPA) All States Negley Associates All States NeitClem Wholesale Insurance Brokerage, Inc. AZ CA NV Networked Insurance Agents AZ CA CO ID NM NV TX UT WY Norman-Spencer International, Inc. All States Patriot National Underwriters, Inc. OK TX Pennock Insurance, Inc. DC DE FL GA MD NC NJ PA VA WV Personal Care & Assisted Living Insurance Center Most States Philadelphia Insurance Companies All States except LA Pro-Risk Insurance Partners, LLC Worldwide Professional Governmental Underwriters All States Professional Insurance Concepts All States Professional Liability Ins. Svcs - Underwriting Facilities All States Professional Liability Specialists All States Professional Underwriters Agency, Inc. All States Program Brokerage Corporation All States ProLawyer Insurance, LLC DC DE MD NJ PA ProSurance Group, Inc. All States Quadrant Insurance Managers All States RLI Insurance Company All States RMIS AZ CA IA IL IN MI MN MO NE NM NV OH

OR TX WI Roush Insurance Services, Inc. IL IN OH RPS Technology & Cyber All States RT Specialty All States Russell Bond & Co., Inc. Most States SCU - Middletown All States SIS Wholesale Insurance Services All States Specialty Insurance Managers, Inc. AR MO NM OK TX Specialty Lines Underwriters IL IN WI Sullivan Brokers Wholesale Ins. Solutions , A All States

Worldwide Facilities, LLC Company Sun Coast General Insurance Agency AZ CA CO NV OR UT SWBC TX TAPCO Underwriters, Inc. Most States Target Professional Programs All States Tennant Risk Svcs, a div. of Worldwide Facilities, LLC All States The Hanover Insurance Group Most States ThinkRisk Underwriting Agency All States tKg Wholesale Brokerage All States Tokio Marine HCC Professional Lines Group All States Tokio Marine/HCC All States U.S. E&O Brokers All States U.S. Risk Insurance Group, LLC All States

United Educators All States USG Insurance Services, Inc. All States Western Security Surplus Insurance Brokers, Inc. AZ CA CO FL NV OR TX UT WA

28 | INSURANCE JOURNAL | NATIONAL SEPTEMBER 3, 2018

(continued)

Company

Western Surplus Lines Agency, Inc. Western World Insurance Group Woodlands Insurance Services, LLC Worldwide Facilities, LLC

States LA ND NM OK TX Most States Most States All States

Employment Practices Liability (EPLI) Company

Access E&S Insurance Services (VA)

Alexander J. Wayne & Associates, Inc. All Performance Insurance Solutions All Risks, Ltd. All Solutions PBS, LLC Alliant Insurance Services Allsouth Professional Liability Alta Professional Insurance Services (MI) AMIS/Alliance Marketing & Insurance Services AmWINS Group, Inc. - 100 Offices Nationwide Anderson & Murison, Inc. ARC West Coast Excess & Surplus Brokerage, LLC Argo Pro Arlington/Roe Artex Risk Solutions, Inc. Ashley General Agency Atlantic Risk Specialists Axis Insurance Services, LLC Bailey Special Risks, Inc. Baker Insurance and Bonds, LLC Benchmark Management Group, Inc. Berkley Select Boston Insurance Brokerage Braishfield Associates, Inc. Burns & Wilcox — All Offices Business Risk Partners CAMICO Mutual Insurance Company Capitol Special Risks, Inc. Chubb CID Insurance Programs, Inc.

Cochrane and Company

Commercial Insurance Group Commercial Sector Insurance Brokers, LLC

Cooper & McCloskey, Inc. Costanza Insurance Agency, Inc.

States DC DE GA IL MD NC NJ NY OH PA SC TN TX VA All States CA MI TX All States All States All States Multiple – please contact us.

IN IL MI MN OH WI All States All States CA All States Most States All States All States TX All States All States All States except AK HI All States IL IN WI All States All States All States All States All States All States except AK HI MT VT WY All States All States AZ CA CO ID MD NE NM NV OR PA TN TX UT WA AK AZ CA CO ID MT ND NM NV OR UT WA WY Most States All States

Most States

All States CRC Insurance Services All States CRC Swett All States CRES Insurance Services, LLC Most States Delta General Agency Corp.

TX DFCORBY Insurance Services CA Donald Gaddis Co., Inc. Insurance Svcs All States Eastern E&O Brokers, Inc. Most States Eaton Professional Insurance Services CA eKo Specialty Insurance Services, Inc. AZ CA FL NV NY OR UT Erickson-Larsen, Inc. MN MT ND SD WI WY Executive Insurance Professionals, PLLC CA OK GA TX Founders Professional All States except AK G.J. Sullivan Company CA Gateway Specialty Insurance All States GIC Underwriters, Inc. FL Gorst & Compass Insurance CA Gray-Stone & Company, Inc. Most States Great American Ins. Group - Executive Liab. Division All States Gumtree Wholesale Insurance Brokers, Inc. AL AR KS KY LA MO MS TN TX Hallmark Financial Services, Inc. All States Hartford Steam Boiler Inspection & Insurance Co. All States Heritage Specialty Insurance Agency, LP AR OK TX Houston International Insurance Group All States except AK HI Indemnity Excess & Surplus Agency, Inc. Western States Insurance Agents & Brokers Service Group, Inc. DE MD PA (for Ins. Agents & Brokers only) International Excess Companies All States IPA Risk Management, LLC All States Irwin Siegel Agency, Inc. All States IT Risk Managers, Inc. All States except AK HI Izzo Insurance Services, Inc. All States J.M. Wilson AL AR FL GA IA IL IN KS KY MI MO NC

NE OH OK PA SC TN VA WI WV Jacobs & Associates, Inc. OH James Klein Insurance Service, Inc. Most States James River Insurance Company All States Jamison Risk Services All States except AK NV Jimcor Agencies CA CT DE FL GA MA MD NH NJ NY OH PA

RI SC TX WV Joseph Krar & Associates, Inc. CT MA RI King Insurance Support Systems Nationwide Kinsale Insurance Company All States Lionheart Insurance Services, Inc. All States M.J. Hall & Company, Inc. AK AZ CA HI NV M.J. Kelly Company AR FL IA IL KS LA MO MS NC OK SC TN TX MacNeill Group, Inc., CMGA FL NC SC VA Markel Assurance All States

INSURANCEJOURNAL.COM

Employment Practices Liability Company

States

MarketScout Maverick Commercial Insurance Services MAXIMUM Monarch E&S Insurance Services Morstan General Agency, A div of Hull & Co., Inc. Navigators Pro Negley Associates NeitClem Wholesale Insurance Brokerage, Inc. Networked Insurance Agents New England Excess Exchange, Ltd..

NIF Group, Inc. Number One Insurance Agency Patriot National Underwriters, Inc. PBS Insurance Underwriting Corporation Pennock Insurance, Inc. Personal Care & Assisted Living Insurance Center

All States All States All States AZ CA HI NV TX All States All States All States AZ CA NV AZ CA CO ID NM NV TX UT WY CT MA MD ME NH NJ NY OH PA RI VT All States MA OK TX All States except AK KS DC DE FL GA MD NC NJ PA VA WV Most States Philadelphia Insurance Companies All States except LA Professional Governmental Underwriters All States Professional Insurance Concepts All States Professional Liability Brokers & Consultants, Inc. All States Professional Liability Ins. Svcs - Underwriting Facilities All States Professional Liability Specialists All States Professional Underwriters Agency, Inc. All States Program Brokerage Corporation All States Quadrant Insurance Managers All States Quirk & Company LA NM OK OR TX WA RMIS AZ CA IA IL IN MI MN MO NE NM NV OH

OR TX WI Rockwood Programs, Inc. All States (varies based on program) Roush Insurance Services, Inc. IL IN OH RPS Executive Lines All States RPS Technology & Cyber All States RT Specialty All States Russell Bond & Co., Inc. Most States SCU - Middletown All States Shelly, Middlebrooks & O’Leary, Inc. AL FL GA MS NC SC TX Sierra Specialty All States SIS Wholesale Insurance Services All States Southern Insurance Underwriters, Inc. CMGA AL FL GA MS NC SC TN Specialty Lines Underwriters IL IN WI Sullivan Brokers Wholesale Ins. Solutions , A All States

Worldwide Facilities, LLC Company SWBC TX TAPCO Underwriters, Inc. Most States Target Professional Programs All States Tejas American General Agency AR LA NM OK TX Tennant Risk Svcs, a div. of Worldwide Facilities, LLC All States The Hanover Insurance Group Most States Tokio Marine/HCC All States U.S. E&O Brokers All States U.S. Risk Insurance Group, LLC All States

United Educators All States USASIA Insurance Services AZ CA Victor O. Schinnerer & Company Most States W. Brown & Associates Insurance Services CA Western Security Surplus Insurance Brokers, Inc. AZ CA CO FL NV OR TX UT WA Western Special Risks, Inc. AZ CA NM NV TX UT Western Surplus Lines Agency, Inc. LA ND NM OK TX Western World Insurance Group Most States Woodlands Insurance Services, LLC Most States Worldwide Facilities, LLC All States

Environmental E&O Company

Access E&S Insurance Services (VA)

Agentic Insurance, LLC All Risks, Ltd. Alliant Insurance Services Appalachian Underwriters, Inc. Ashley General Agency Beacon Hill Associates, Inc. Citadel Insurance Services, LC Cochrane and Company

Commercial Sector Insurance Brokers, LLC Cooper & McCloskey, Inc. Delta General Agency Corp.

DFCORBY Insurance Services Donald Gaddis Co., Inc. Insurance Svcs eKo Specialty Insurance Services, Inc. Energi Environmental Insurance Services, Inc. Erickson-Larsen, Inc. Executive Insurance Professionals, PLLC Freberg Environmental, Inc. G.J. Sullivan Company Gray-Stone & Company, Inc. Gumtree Wholesale Insurance Brokers, Inc. Heritage Specialty Insurance Agency, LP Intercorp, Inc.

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Environmental E&O

(continued)

States DC DE GA IL MD NC NJ NY OH PA SC TN TX VA DC DE FL MD NJ NY PA VA All States All States All States TX All States

All States AK AZ CA CO ID MT ND NM NV OR UT WA WY All States AK AZ CA CO HI IL NV NY OH OR TX WA TX CA All States AZ CA FL NV NY OR UT All States All States MN MT ND SD WI WY CA OK GA TX All States CA Most States AL AR KS KY LA MO MS TN TX AR OK TX All States

Company

(continued)

International Excess Companies J.M. Wilson

Jacobs & Associates, Inc.

James River Insurance Company

Joseph Krar & Associates, Inc. Landmark E & S Legends Environmental Insurance Services, LLC M.J. Hall & Company, Inc. M.J. Kelly Company MarketScout Maverick Commercial Insurance Services NeitClem Wholesale Insurance Brokerage, Inc. New England Excess Exchange, Ltd..

Patriot National Underwriters, Inc. Pennock Insurance, Inc. Philadelphia Insurance Companies Professional Liability Brokers & Consultants, Inc. Professional Underwriters Agency, Inc. Quadrant Insurance Managers Quaker Special Risk - FL MA NJ NY office Quirk & Company RLI Insurance Company Roush Insurance Services, Inc. Russell Bond & Co., Inc. Sierra Specialty Specialty Insurance Managers, Inc. Tejas American General Agency U.S. Risk Insurance Group, LLC USG Insurance Services, Inc. Victor O. Schinnerer & Company Woodlands Insurance Services, LLC

States All States AL AR FL GA IA IL IN KS KY MI MO NC NE OH OK PA SC TN VA WI WV OH All States CT MA RI Most States All States AK AZ CA HI NV AR FL IA IL KS LA MO MS NC OK SC TN TX All States All States AZ CA NV CT MA MD ME NH NJ NY OH PA RI VT OK TX DC DE FL GA MD NC NJ PA VA W All States except LA All States All States All States Most States LA NM OK OR TX WA All States IL IN OH Most States All States AR MO NM OK TX AR LA NM OK TX All States All States Most States Most States

Fiduciary Liability Insurance Company

All Risks, Ltd. Alliant Insurance Services Alta Professional Insurance Services (MI) ARC West Coast Excess & Surplus Brokerage, LLC Argo Pro Axis Insurance Services, LLC Baker Insurance and Bonds, LLC Berkley Select Business Risk Partners Chubb Cooper & McCloskey, Inc. CRC Insurance Services CRC Swett Donald Gaddis Co., Inc. Insurance Svcs Euclid Specialty Managers, LLC Gray-Stone & Company, Inc. Great American Ins. Group - Executive Liab. Division Hallmark Financial Services, Inc. IPA Risk Management, LLC Jamison Risk Services Navigators Pro Negley Associates Philadelphia Insurance Companies Professional Insurance Concepts Program Brokerage Corporation PBS Insurance Underwriting Corporation RLI Insurance Company Rockwood Programs, Inc. RPS Executive Lines RPS Technology & Cyber RT Specialty SIS Wholesale Insurance Services Sullivan Brokers Wholesale Ins. Solutions , A Worldwide Facilities, LLC Company U.S. Risk Insurance Group, LLC United Educators USASIA Insurance Services Victor O. Schinnerer & Company Western World Insurance Group Worldwide Facilities, LLC

States All States All States IN IL MI MN OH WI All States Most States All States All States All States All States All States Most States All States All States All States All States Most States All States All States All States All States All States All States All States except LA All States All States All States except AK KS All States All States (varies based on program) All States All States All States All States All States All States All States AZ CA Most States Most States All States

Financial Professionals’ Liability Company

360 Coverage Pros Agentic Insurance, LLC Alexander J. Wayne & Associates, Inc. All Risks, Ltd. AmWINS Group, Inc. - 100 Offices Nationwide ARC West Coast Excess & Surplus Brokerage, LLC Argo Pro Boston Insurance Brokerage Burns & Wilcox — All Offices Chubb

States All States DC DE FL MD NJ NY PA VA All States All States All States All States Most States All States All States All States

SEPTEMBER 3, 2018 INSURANCE JOURNAL | NATIONAL | 29

Financial Professionals’ Liability (continued) Company

Prime Insurance Company Professional Insurance Concepts Professional Liability Brokers & Consultants, Inc. Professional Liability Specialists Program Brokerage Corporation ProSurance Group, Inc. RPS Executive Lines RT Specialty Russell Bond & Co., Inc. SIS Wholesale Insurance Services Target Professional Programs Tennant Risk Svcs, a div. of Worldwide Facilities, LLC tKg Wholesale Brokerage U.S. E&O Brokers U.S. Risk Insurance Group, LLC

Most States All States All States All States All States All States All States All States Most States All States All States All States All States All States All States

Philadelphia Insurance Companies

All States FL GA LA TN All States AZ CA NV

All States except LA

Hospital Professional Liability

All Risks, Ltd. Artex Risk Solutions, Inc. Burns & Wilcox — All Offices Citadel Insurance Services, LC CNA Cooper & McCloskey, Inc. Donald Gaddis Co., Inc. Insurance Svcs Hallmark Financial Services, Inc. Maverick Commercial Insurance Services Negley Associates Patriot National Underwriters, Inc. PBS Insurance Underwriting Corporation RPS Healthcare Sullivan Brokers Wholesale Ins. Solutions , A Worldwide Facilities, LLC Company U.S. Risk Insurance Group, LLC USG Insurance Services, Inc. Worldwide Facilities, LLC

States All States All States All States All States All States Most States All States All States All States All States OK TX All States except AK KS All States All States All States All States All States

360 Coverage Pros Agency Marketing Services

Alexander J. Wayne & Associates, Inc.

Allsouth Professional Liability AMIS/Alliance Marketing & Insurance Services Aon Affinity Appalachian Underwriters, Inc. Ashley General Agency Atlantic Risk Specialists Bailey Special Risks, Inc. Braishfield Associates, Inc. Business Risk Partners Capitol Special Risks, Inc. Cochrane and Company

Commercial Sector Insurance Brokers, LLC

Cooper & McCloskey, Inc. Delta General Agency Corp.

Donald Gaddis Co., Inc. Insurance Svcs

Eastern E&O Brokers, Inc. eKo Specialty Insurance Services, Inc. Erickson-Larsen, Inc. Founders Professional G.J. Sullivan Company Gorst & Compass Insurance Gumtree Wholesale Insurance Brokers, Inc. Houston International Insurance Group Indemnity Excess & Surplus Agency, Inc.

States

All States Multiple – please contact us.

All States All States All States TX All States All States except AK HI All States All States All States AK AZ CA CO ID MT ND NM NV OR UT WA WY All States Most States TX All States Most States AZ CA FL NV NY OR UT MN MT ND SD WI WY All States except AK CA CA AL AR KS KY LA MO MS TN TX All States except AK HI Western States

30 | INSURANCE JOURNAL | NATIONAL SEPTEMBER 3, 2018

States

Insurance Agents & Brokers Service Group, Inc. DE MD PA International Excess Companies All States IPA Risk Management, LLC All States IT Risk Managers, Inc. All States except AK HI Jacobs & Associates, Inc. OH James Klein Insurance Service, Inc. Most States James River Insurance Company All States Jamison Risk Services All States except AK NV Keystroke Underwriters All States except HI King Insurance Support Systems Nationwide Kinsale Insurance Company All States Lionheart Insurance Services, Inc. All States MacNeill Group, Inc., CMGA FL NC SC VA MAXIMUM All States McGowan, Donnelly & Oberheu, LLC (MDO) All States Monarch E&S Insurance Services AZ CA HI NV TX N-Surance Outlets, Inc. FL GA LA TN National Association of Professional Agents (NAPA) All States NeitClem Wholesale Insurance Brokerage, Inc. AZ CA NV NIF Group, Inc. All States Number One Insurance Agency MA PBS Insurance Underwriting Corporation All States except AK KS Personal Care & Assisted Living Insurance Center Most States Professional Insurance Concepts All States Professional Liability Ins. Svcs - Underwriting Facilities All States Professional Underwriters Agency, Inc. All States Program Brokerage Corporation All States ProSurance Group, Inc. All States ProWriters All States Quadrant Insurance Managers All States Quaker Special Risk - FL MA NJ NY office Most States Rockwood Programs, Inc. All States (varies based on program) RPS Executive Lines All States RPS Plus Companies All States Shelly, Middlebrooks & O’Leary, Inc. AL FL GA MS NC SC TX Sierra Specialty All States SIS Wholesale Insurance Services All States Southern Insurance Underwriters, Inc. CMGA AL FL GA MS NC SC TN Sun Coast General Insurance Agency AZ CA CO NV OR UT TAPCO Underwriters, Inc. Most States Target Professional Programs All States Tejas American General Agency AR LA NM OK TX Tennant Risk Svcs, a div. of Worldwide Facilities, LLC All States ThinkRisk Underwriting Agency All States tKg Wholesale Brokerage All States Tokio Marine HCC Professional Lines Group All States U.S. Brokers Network, Inc. All States except AK CA HI U.S. E&O Brokers All States U.S. Risk Insurance Group, LLC All States United Educators All States W. Brown & Associates Insurance Services CA Western Security Surplus Insurance Brokers, Inc. AZ CA CO FL NV OR TX UT WA

Company

All States AL CA CO FL GA KS LA MO NC NJ OH PA SC TN TX All States

All States

Lawyers Liability

Insurance Agents & Brokers Prof. Liability

All Risks, Ltd. All Solutions PBS, LLC

Company

All States Most States

Most States (includes Mortgage Brokers) CA All States Most States CA CT DE FL GA KS LA MA MD MO NC NJ NV NY PA OH OR SC TN TX VA WA All States (varies based on class of business) All States All States except AK NV All States (includes Investment

Company

States

Citadel Insurance Services, LC Cooper & McCloskey, Inc. CRES Insurance Services, LLC DFCORBY Insurance Services Donald Gaddis Co., Inc. Insurance Svcs Eastern E&O Brokers, Inc. First Choice Insurance Intermediaries, Inc.

Fox Point Programs IPA Risk Management, LLC Jamison Risk Services Markel Assurance Advisor Liability Insurance) McGowan, Donnelly & Oberheu, LLC (MDO) N-Surance Outlets, Inc. National Association of Professional Agents (NAPA) NeitClem Wholesale Insurance Brokerage, Inc.

Company

Insurance Agents & Brokers Prof. Liability (continued)

360 Coverage Pros Agency Marketing Services

Alexander J. Wayne & Associates, Inc. All Risks, Ltd. All Solutions PBS, LLC Alliant Insurance Services Allsouth Professional Liability Alta Professional Insurance Services (MI) AmWINS Group, Inc. - 100 Offices Nationwide Aon Affinity Argo Pro Arlington/Roe Atlantic Risk Specialists Berkley Select Berkshire Hathaway GUARD Insurance Companies Boston Insurance Brokerage Burns & Wilcox — All Offices CNA Cochrane and Company

States

CRC Insurance Services CRC Swett DFCORBY Insurance Services Donald Gaddis Co., Inc. Insurance Svcs Founders Professional Gorst & Compass Insurance Gray-Stone & Company, Inc. Grayhawk General Agency, Inc.

All States AL CA CO FL GA KS LA MO NC NJ OH PA SC TN TX All States All States All States All States Multiple – please contact us.

IN IL MI MN OH WI All States All States Most States All States All States All States Most States All States All States All States AK AZ CA CO ID MT ND NM NV OR UT WA WY

Most States All States All States CA All States All States except AK CA Most States AZ CO ID NM NV TX UT WA

Intercorp, Inc. IPA Risk Management, LLC James Klein Insurance Service, Inc. James River Insurance Company Jamison Risk Services

All States All States Most States All States All States except AK NV

Cooper & McCloskey, Inc.

Herbert H. Landy Insurance

All States except AK & LA

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Lawyers Liability Company

Jimcor Agencies

JLT Facilities, Inc. Keystone Insurance Services, Inc. Kinsale Insurance Company Lawyer’s Protector Plan M.J. Hall & Company, Inc. MAXIMUM McGowan, Donnelly & Oberheu, LLC (MDO) Monarch E&S Insurance Services NeitClem Wholesale Insurance Brokerage, Inc. Number One Insurance Agency Pennock Insurance, Inc. Professional Insurance Concepts Professional Liability Brokers & Consultants, Inc. Professional Underwriters Agency, Inc. Program Brokerage Corporation ProLawyer Insurance, LLC Quaker Special Risk - FL MA NJ NY office RPS Plus Companies RT Specialty Russell Bond & Co., Inc. Sierra Specialty SIS Wholesale Insurance Services Sullivan Brokers Wholesale Ins. Solutions , A Worldwide Facilities, LLC Company Target Professional Programs Tejas American General Agency Tennant Risk Svcs, a div. of Worldwide Facilities, LLC The Hanover Insurance Group Tokio Marine/HCC U.S. Risk Insurance Group, LLC Western Security Surplus Insurance Brokers, Inc. Worldwide Facilities, LLC

States

Company

All States AR LA NM OK TX All States Most States All States All States AZ CA CO FL NV OR TX UT WA All States

Affinity Healthcare Agentic Insurance, LLC All Risks, Ltd. ARC West Coast Excess & Surplus Brokerage, LLC Artex Risk Solutions, Inc. Atlantic Risk Specialists Capitol Special Risks, Inc. Cooper & McCloskey, Inc. Donald Gaddis Co., Inc. Insurance Svcs Erickson-Larsen, Inc. Maverick Commercial Insurance Services Promont Advisors, LLC RPS Healthcare SIS Wholesale Insurance Services Sullivan Brokers Wholesale Ins. Solutions , A Worldwide Facilities, LLC Company U.S. Risk Insurance Group, LLC Worldwide Facilities, LLC

States All States DC DE FL MD NJ NY PA VA All States All States All States All States All States Most States All States MN MT ND SD WI WY All States

All States except AR MS All States All States All States

All States All States

Agentic Insurance, LLC Alexander J. Wayne & Associates, Inc. All Risks, Ltd. All Solutions PBS, LLC Anderson & Murison, Inc. ARC West Coast Excess & Surplus Brokerage, LLC Atlantic Risk Specialists Bailey Special Risks, Inc. Boston Insurance Brokerage Chubb Cooper & McCloskey, Inc. Donald Gaddis Co., Inc. Insurance Svcs Eaton Professional Insurance Services eKo Specialty Insurance Services, Inc. First Choice Insurance Intermediaries, Inc.

Fox Point Programs IT Risk Managers, Inc. Jacobs & Associates, Inc. Jimcor Agencies

JLT Facilities, Inc. Keystone Insurance Services, Inc. M.J. Kelly Company MacNeill Group, Inc., CMGA Morstan General Agency, A div of Hull & Co., Inc. NeitClem Wholesale Insurance Brokerage, Inc. Networked Insurance Agents Prime Insurance Company Pro-Risk Insurance Partners, LLC Professional Liability Brokers & Consultants, Inc.

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States DC DE FL MD NJ NY PA VA All States All States All States CA All States All States All States except AK HI All States All States Most States All States CA AZ CA FL NV NY OR UT CA CT DE FL GA KS LA MA MD MO NC NJ NV NY OH OR PA SC TN TX VA WA All States (varies based on class of business) All States except AK HI OH CA CT DE FL GA MA MD NH NJ NY OH PA RI SC TX WV All States TX AR FL IA IL KS LA MO MS NC OK SC TN TX FL NC SC VA All States AZ CA NV AZ CA CO ID NM NV TX UT WY Most States| Worldwide All States

Professional Liability Specialists ProWriters Quadrant Insurance Managers Quirk & Company RMIS

SCU - Middletown SIS Wholesale Insurance Services Tennant Risk Svcs, a div. of Worldwide Facilities, LLC ThinkRisk Underwriting Agency Tokio Marine/HCC W. Brown & Associates Insurance Services Western Special Risks, Inc.

States All States All States All States LA NM OK OR TX WA AZ CA IA IL IN MI MN MO NE NM NV OH OR TX WI All States All States All States All States All States CA AZ CA NM NV TX UT

Medical Professional Liability (Med Mal) Company

Media Professional Liability Company

CA CT DE FL GA MA MD NH NJ NY OH PA RI SC TX WV All States TX All States All States except AK HI LA OR WV WY AK AZ CA HI NV All States All States AZ CA HI NV TX AZ CA NV MA DC DE FL GA MD NC NJ PA VA WV All States All States All States All States DC DE MD NJ PA Most States All States All States Most States All States All States All States

Managed Health Care Professional Liability Company

Media Professional Liability (continued)

(continued)

States

Access E&S Insurance Services (VA)

Affinity Healthcare Agency Marketing Services

Alexander J. Wayne & Associates, Inc. All Risks, Ltd. Aon Affinity Arlington/Roe Artex Risk Solutions, Inc. Boston Insurance Brokerage Citadel Insurance Services, LC

DC DE GA IL MD NC NJ NY OH PA SC TN TX VA All States AL CA CO FL GA KS LA MO NC NJ OH PA SC TN TX All States All States All States All States All States All States All States

Cooper & McCloskey, Inc. CRC Insurance Services CRC Swett Delta General Agency Corp.

Donald Gaddis Co., Inc. Insurance Svcs Eaton Professional Insurance Services Fox Point Programs G.J. Sullivan Company Gray-Stone & Company, Inc. Greenhill Insurance Services Hallmark Financial Services, Inc. Indemnity Excess & Surplus Agency, Inc. J.M. Wilson

James Klein Insurance Service, Inc. Keystone Insurance Services, Inc. Kinsale Insurance Company MarketScout Maverick Commercial Insurance Services Monarch E&S Insurance Services NeitClem Wholesale Insurance Brokerage, Inc. Patriot National Underwriters, Inc. PBS Insurance Underwriting Corporation

Most States All States All States TX All States CA All States (varies based on class of business) CA Most States All States All States Western States AL AR FL GA IA IL IN KS KY MI MO NC NE OH OK PA SC TN VA WI WV

Most States TX All States All States All States AZ CA HI NV TX AZ CA NV OK TX All States except AK KS Most States All States All States All States All States except AR MS All States (Psychoanalysts, Psychiatrists,

Psychologists, Social Workers) Most States All States (varies based on program) IL IN OH All States All States Most States All States All States

CNA

All States

Prime Insurance Company

ProAssurance Mid-Continent Underwriters, Inc. Professional Liability Brokers & Consultants, Inc. Professional Program Insurance Brokerage Promont Advisors, LLC Psych Professional Liability, a div of Frenkel & Co.

Quaker Special Risk - FL MA NJ NY Rockwood Programs, Inc. Roush Insurance Services, Inc. RPS Healthcare RT Specialty Russell Bond & Co., Inc. SIS Wholesale Insurance Services Sullivan Brokers Wholesale Ins. Solutions , A Worldwide Facilities, LLC Company Tennant Risk Svcs, a div. of Worldwide Facilities, LLC All States

U.S. Risk Insurance Group, LLC

All States

USG Insurance Services, Inc. Wholesale Connection Insurance Services Worldwide Facilities, LLC

All States CA All States

Misc. Professional Liability - Medical Fields Company

Access E&S Insurance Services (VA)

Affinity Healthcare Agency Marketing Services

All Risks, Ltd. Allsouth Professional Liability Appalachian Underwriters, Inc. Artex Risk Solutions, Inc. Axis Insurance Services, LLC Bailey Special Risks, Inc. Berkley Select Boston Insurance Brokerage

States DC DE GA IL MD NC NJ NY OH PA SC TN TX VA All States AL CA CO FL GA KS LA MO NC NJ OH PA SC TN TX All States Multiple – please contact us.

All States All States All States All States except AK HI All States All States

SEPTEMBER 3, 2018 INSURANCE JOURNAL | NATIONAL | 31

Misc. Professional Liability - Medical Fields (continued) Company

Braishfield Associates, Inc.

CID Insurance Programs, Inc.

Cooper & McCloskey, Inc. Donald Gaddis Co., Inc. Insurance Svcs Erickson-Larsen, Inc. First Choice Insurance Intermediaries, Inc.

Global Financial & Insurance Services Gorst & Compass Insurance Greenhill Insurance Services Hallmark Financial Services, Inc. Heritage Specialty Insurance Agency, LP IPA Risk Management, LLC International Excess Companies James Klein Insurance Service, Inc. James River Insurance Company Lionheart Insurance Services, Inc. M.J. Kelly Company Maverick Commercial Insurance Services Morstan General Agency, A div of Hull & Co., Inc. Negley Associates NIF Group, Inc. Patriot National Underwriters, Inc. PBS Insurance Underwriting Corporation

Prime Insurance Company

States

Company

All States (Assisted Living, Home Healthcare, Mental Health) AZ CA CO ID MD NE NM NV OR PA TN TX UT WA

Most States All States MN MT ND SD WI WY CA CT DE FL GA KS LA MA MD MO NC NJ NV NY OH OR PA SC TN TX VA WA TX CA All States All States AR OK TX All States All States Most States All States All States AR FL IA IL KS LA MO MS NC OK SC TN TX All States All States All States All States OK TX All States except AK KS

Most States

ProAssurance Mid-Continent Underwriters, Inc. All States Professional Liability Ins. Svcs - Underwriting Facilities All States Professional Program Insurance Brokerage All States Promont Advisors, LLC All States except AR MS Psych Professional Liability, a div of Frenkel & Co. All States (Psychoanalysts, Psychiatrists,

Psychologists, Social Workers Quaker Special Risk - FL MA NJ NY Most States Rockwood Programs, Inc. All States (varies based on program) RPS Healthcare All States SIS Wholesale Insurance Services All States Sports & Fitness Insurance Corporation All States Sullivan Brokers Wholesale Ins. Solutions , A All States Worldwide Facilities, LLC Company TAPCO Underwriters, Inc. Most States Tennant Risk Svcs, a div. of Worldwide Facilities, LLC All States

U.S. Risk Insurance Group, LLC

USASIA Insurance Services Western Security Surplus Insurance Brokers, Inc. Western Surplus Lines Agency, Inc. Worldwide Facilities, LLC

All States

AZ CA AZ CA CO FL NV OR TX UT WA LA ND NM OK TX All States

Miscellaneous Professional Liability Company

States

Access E&S Insurance Services (VA)

Agency Marketing Services

Agentic Insurance, LLC Alexander J. Wayne & Associates, Inc. All Performance Insurance Solutions All Risks, Ltd. All Solutions PBS, LLC Allsouth Professional Liability Alta Professional Insurance Services (MI) AMIS/Alliance Marketing & Insurance Services AmWINS Group, Inc. - 100 Offices Nationwide Anderson & Murison, Inc. Appalachian Underwriters, Inc. Argo Pro Arlington/Roe Ashley General Agency Axis Insurance Services, LLC Baker Insurance and Bonds, LLC Benchmark Management Group, Inc. Berkley Select Berkshire Hathaway GUARD Insurance Companies Boston Insurance Brokerage Braishfield Associates, Inc. Brownyard Group Burns & Wilcox — All Offices Business Risk Partners Capitol Special Risks, Inc. Chubb CID Insurance Programs, Inc. TX UT WA Citadel Insurance Services, LC

DC DE GA IL MD NC NJ NY OH PA SC TN TX VA AL CA CO FL GA KS LA MO NC NJ OH PA SC TN TX DC DE FL MD NJ NY PA V All States CA MI TX All States All States Multiple – please contact us.

IN IL MI MN OH WI All States All States CA All States Most States All States TX All States All States IL IN WI All States Most States All States All States Most States All States All States All States All States AZ CA CO ID MD NE NM NV OR PA TN

Commercial Insurance Group Commercial Sector Insurance Brokers, LLC Cooper & McCloskey, Inc. Costanza Insurance Agency, Inc. CPA Protector Plan CRC Insurance Services CRC Swett

Most States All States Most States All States All States except VT All States All States

CNA

All States

All States

Miscellaneous Professional Liability (continued)

(includes Oilfield Consultants PL/GL)

32 | INSURANCE JOURNAL | NATIONAL SEPTEMBER 3, 2018

States

CRES Insurance Services, LLC Most States Delta General Agency Corp.

TX DFCORBY Insurance Services CA Donald Gaddis Co., Inc. Insurance Svcs All States Eastern E&O Brokers, Inc. Most States eKo Specialty Insurance Services, Inc. AZ CA FL NV NY OR UT Energi All States Executive Insurance Professionals, PLLC CA OK GA TX First Choice Insurance Intermediaries, Inc. CA CT DE FL GA KS LA MA MD MO NC

NJ NV NY OH OR PA SC TN TX VA WA Fox Point Programs Varies by Class (includes Mortgage Brokers) GIC Underwriters, Inc. FL Gray-Stone & Company, Inc. Most States Great American Ins. Group - Executive Liability Div. All States Gumtree Wholesale Insurance Brokers, Inc. AL AR KS KY LA MO MS TN TX Hallmark Financial Services, Inc. All States Hartford Steam Boiler Inspection & Insurance Co. All States Herbert H. Landy Insurance All States except AK & LA Heritage Specialty Insurance Agency, LP AR OK TX Houston International Insurance Group All States except AK HI Indemnity Excess & Surplus Agency, Inc. Western States Insurance Agents & Brokers Service Group, Inc. DE MD PA (for Ins. Agents & Brokers only) Intercorp, Inc. All States International Excess Companies All States Irwin Siegel Agency, Inc. All States IT Risk Managers, Inc. All States except AK HI Izzo Insurance Services, Inc. All States (includes Security Guards/

Patrol, Alarm Co’s & Investigators)

AL AR FL GA IA IL IN KS KY MI MO NC J.M. Wilson

NE OH OK PA SC TN VA WI WV Jacobs & Associates, Inc. OH James Klein Insurance Service, Inc. Most States James River Insurance Company All States Jamison Risk Services All States except AK NV Jimcor Agencies CA CT DE FL GA MA MD NH NJ NY OH PA

RI SC TX WV JLT Facilities, Inc. All States Joseph Krar & Associates, Inc. CT MA RI Keystroke Underwriters All States except HI King Insurance Support Systems Nationwide Kinsale Insurance Company All States Lionheart Insurance Services, Inc. All States M.J. Hall & Company, Inc. AK AZ CA HI NV M.J. Kelly Company AR FL IA IL KS LA MO MS NC OK SC TN TX MacNeill Group, Inc., CMGA FL NC SC VA Markel Assurance All States MarketScout All States Maverick Commercial Insurance Services All States MAXIMUM All States Monarch E&S Insurance Services AZ CA HI NV TX Morstan General Agency, A div of Hull & Co., Inc. All States N-Surance Outlets, Inc. FL GA LA TN Navigators Pro All States Negley Associates All States NeitClem Wholesale Insurance Brokerage, Inc. AZ CA NV Networked Insurance Agents AZ CA CO ID NM NV TX UT WY New England Excess Exchange, Ltd..

CT MA MD ME NH NJ NY OH PA RI VT NIF Group, Inc. All States Norman-Spencer Agency, Inc. All States Norman-Spencer International, Inc. All States Patriot National Underwriters, Inc. OK TX PBS Insurance Underwriting Corporation All States except AK KS Pennock Insurance, Inc. DC DE FL GA MD NC NJ PA VA WV Philadelphia Insurance Companies All States except LA Prime Insurance Company Most States Pro-Risk Insurance Partners, LLC Worldwide Professional Insurance Concepts All States

Professional Liability Ins. Svcs - Underwriting Facilities All States Professional Program Insurance Brokerage All States Professional Liability Specialists All States Professional Underwriters Agency, Inc. All States ProWriters All States Quadrant Insurance Managers All States (includes Insurance Companies) Quaker Special Risk - FL MA NJ NY office Most States Quirk & Company LA NM OK OR TX WA RLI Insurance Company All States RMIS AZ CA IA IL IN MI MN MO NE NM NV OH

OR TX WI Roush Insurance Services, Inc. IL IN OH RPS Executive Lines All States RPS Technology & Cyber All States RT Specialty All States Russell Bond & Co., Inc. Most States SASSI - Salon & Spa Specialty Insurance Most States Shelly, Middlebrooks & O’Leary, Inc. AL FL GA MS NC SC TX Sierra Specialty All States SIS Wholesale Insurance Services All States Southern Insurance Underwriters, Inc. CMGA AL FL GA MS NC SC TN Specialty Insurance Managers, Inc. AR MO NM OK TX Specialty Lines Underwriters IL IN WI Sports & Fitness Insurance Corporation All States (includes Fitness Professional) Sun Coast General Insurance Agency AZ CA CO NV OR UT

SWBC TX Target Professional Programs All State Tejas American General Agency AR LA NM OK TX Tennant Risk Svcs, a div. of Worldwide Facilities, LLC All States

INSURANCEJOURNAL.COM

Miscellaneous Professional Liability (continued) Company

The Hanover Insurance Group The Mechanic Group, Inc.

ThinkRisk Underwriting Agency tKg Wholesale Brokerage Tokio Marine HCC Professional Lines Group Tokio Marine/HCC U.S. E&O Brokers U.S. Risk Insurance Group, LLC United Educators USASIA Insurance Services W. Brown & Associates Insurance Services Western Security Surplus Insurance Brokers, Inc. Western Special Risks, Inc. Western Surplus Lines Agency, Inc. Western World Insurance Group Woodlands Insurance Services, LLC

States Most States All States (Security Guards, Alarm &

Electronic Security firms, PI’s,

Background Screeners) All States All States All States All States All States All States All States AZ CA CA AZ CA CO FL NV OR TX UT WA AZ CA NM NV TX UT LA ND NM OK TX Most States Most States

Nonprofits’ Liability Company

States

All Risks, Ltd. All Solutions PBS, LLC AMIS/Alliance Marketing & Insurance Services Anderson & Murison, Inc. Aon Affinity Baker Insurance and Bonds, LLC Benchmark Management Group, Inc. Berkley Select Chubb Cochrane and Company

Cooper & McCloskey, Inc. Donald Gaddis Co., Inc. Insurance Svcs Eastern E&O Brokers, Inc. Eaton Professional Insurance Services Energi Erickson-Larsen, Inc. Euclid Specialty Managers, LLC Executive Insurance Professionals, PLLC G.J. Sullivan Company Gateway Specialty Insurance Gray-Stone & Company, Inc. Great American Ins. Group - Executive Liab. Division Heritage Specialty Insurance Agency, LP Indemnity Excess & Surplus Agency, Inc. Irwin Siegel Agency, Inc. J.M. Wilson

Jacobs & Associates, Inc. Joseph Krar & Associates, Inc. King Insurance Support Systems M.J. Hall & Company, Inc. M.J. Kelly Company MacNeill Group, Inc., CMGA Morstan General Agency, A div of Hull & Co., Inc. Navigators Pro Negley Associates NeitClem Wholesale Insurance Brokerage, Inc. Networked Insurance Agents New England Excess Exchange, Ltd..

NIF Group, Inc. Pennock Insurance, Inc.

All States All States All State CA All States All States IL IN WI All States All States AK AZ CA CO ID MT ND NM NV OR UT WA WY

AK AZ CA CO HI IL NV NY OH OR TX WA All States Most States CA All States MN MT ND SD WI WY All States (includes Labor PL Insurance) CA OK GA TX CA All States Most States All States AR OK TX Western States All States AL AR FL GA IA IL IN KS KY MI MO NC NE OH OK PA SC TN VA WI WV OH CT MA RI Nationwide AK AZ CA HI NV AR FL IA IL KS LA MO MS NC OK SC TN TX FL NC SC VA All States All States All States AZ CA NV AZ CA CO ID NM NV TX UT WY CT MA MD ME NH NJ NY OH PA RI VT All States DC DE FL GA MD NC NJ PA VA WV

Prime Insurance Company Professional Insurance Concepts Quirk & Company RLI Insurance Company RMIS

Rockwood Programs, Inc. Roush Insurance Services, Inc. RT Specialty Shelly, Middlebrooks & O’Leary, Inc. SIS Wholesale Insurance Services Southern Insurance Underwriters, Inc. CMGA Specialty Insurance Managers, Inc. Specialty Lines Underwriters Sullivan Brokers Wholesale Ins. Solutions , A Worldwide Facilities, LLC Company Tennant Risk Svcs, a div. of Worldwide Facilities, LLC U.S. Risk Insurance Group, LLC United Educators USASIA Insurance Services USG Insurance Services, Inc. Victor O. Schinnerer & Company Western Special Risks, Inc. Western World Insurance Group Woodlands Insurance Services, LLC Worldwide Facilities, LLC

Most States All States

LA NM OK OR TX WA All States AZ CA IA IL IN MI MN MO NE NM NV OH OR TX WI All States (varies based on program) IL IN OH All States AL FL GA MS NC SC TX All States AL FL GA MS NC SC TN

AR MO NM OK TX IL IN WI All States

Philadelphia Insurance Companies

INSURANCEJOURNAL.COM

Physicians Professional Liability

All States except LA

All States All States All States AZ CA All States Most States AZ CA NM NV TX UT Most States Most States All States

Company

Affinity Healthcare All Risks, Ltd. Alliant Insurance Services Aon Affinity Artex Risk Solutions, Inc.

States All States All States All States All States All States

CNA

Cooper & McCloskey, Inc. Donald Gaddis Co., Inc. Insurance Svcs Founders Professional G.J. Sullivan Company Greenhill Insurance Services Hallmark Financial Services, Inc. IPA Risk Management, LLC James River Insurance Company Keystone Insurance Services, Inc. Kinsale Insurance Company Maverick Commercial Insurance Services Negley Associates PBS Insurance Underwriting Corporation Philadelphia Insurance Companies ProSurance Group, Inc. Rockwood Programs, Inc. RPS Healthcare SIS Wholesale Insurance Services Sullivan Brokers Wholesale Ins. Solutions , A Worldwide Facilities, LLC Company Tennant Risk Svcs, a div. of Worldwide Facilities, LLC U.S. Risk Insurance Group, LLC Western Security Surplus Insurance Brokers, Inc. Worldwide Facilities, LLC

All States Most States All States All States except AK CA All States All States All States All States TX All States All States All States All States except AK KS All States except LA All States All States (varies based on program) All States All States All States

All States All States AZ CA CO FL NV OR TX UT WA All States

Public Officials Liability Company

All Risks, Ltd. Artex Risk Solutions, Inc. Bailey Special Risks, Inc. Cooper & McCloskey, Inc. Donald Gaddis Co., Inc. Insurance Svcs Energi Euclid Public Sector Midlands Management Corp.

NIF Group, Inc.

States All States All States All States except AK HI Most States All States All States Most States All States All States Most States All States (includes Law Enforcement &

School Board Liability w/ EPL) IL IN OH All States All States All States Most States Most States

Prime Insurance Company

Professional Governmental Underwriters

Roush Insurance Services, Inc. RPS Executive Lines RT Specialty U.S. Risk Insurance Group, LLC Victor O. Schinnerer & Company Western World Insurance Group

Real Estate Agents’ Liability Company

360 Coverage Pros

All Risks, Ltd.

Anderson & Murison, Inc. Appalachian Underwriters, Inc. Benchmark Management Group, Inc. Braishfield Associates, Inc. Business Risk Partners Capitol Special Risks, Inc. CID Insurance Programs, Inc.

CNA Commercial Sector Insurance Brokers, LLC Cooper & McCloskey, Inc. CRES Insurance Services, LLC DFCORBY Insurance Services Donald Gaddis Co., Inc. Insurance Svcs Eastern E&O Brokers, Inc. Executive Insurance Professionals, PLLC First Choice Insurance Intermediaries, Inc.

Fox Point Programs GIC Underwriters, Inc. Gorst & Compass Insurance Herbert H. Landy Insurance

Heritage Specialty Insurance Agency, LP Houston International Insurance Group Intercorp, Inc. IPA Risk Management, LLC Irwin Siegel Agency, Inc. IT Risk Managers, Inc. Jacobs & Associates, Inc. Jimcor Agencies

Keystone Insurance Services, Inc.

States All States All States CA All States IL IN WI All States All States All States AZ CA CO ID MD NE NM NV OR PA TN TX UT WA All States All States Most States Most States (includes Firms/Brokers) CA All States Most States CA OK GA TX CA CT DE FL GA KS LA MA MD MO NC NJ NV NY OH OR PA SC TN TX VA WA All States (varies based on class of business) FL CA All States except AK & LA (includes Real Estate Appraisers E&O) AR OK TX All States except AK HI All States All States All States All States except AK HI OH CA CT DE FL GA MA MD NH NJ NY OH PA RI SC TX WV TX

SEPTEMBER 3, 2018 INSURANCE JOURNAL | NATIONAL | 33

Real Estate Agents’ Liability (continued) Company

States

Keystroke Underwriters All States except HI King Insurance Support Systems Nationwide MacNeill Group, Inc., CMGA FL NC SC VA MAXIMUM All States McGowan, Donnelly & Oberheu, LLC (MDO) All States Morstan General Agency, A div of Hull & Co., Inc. All States N-Surance Outlets, Inc. FL GA LA TN National Association of Professional Agents (NAPA) All States NeitClem Wholesale Insurance Brokerage, Inc. AZ CA NV New England Excess Exchange, Ltd..

CT MA MD ME NH NJ NY OH PA RI VT Norman-Spencer Agency, Inc. All States Professional Insurance Concepts All States Professional Liability Brokers & Consultants, Inc. All States (Mortgage Brokers specifically) Professional Liability Ins. Svcs - Underwriting Facilities All States ProWriters All States Quaker Special Risk - FL MA NJ NY office Most States Quirk & Company LA NM OK OR TX WA RMIS AZ CA IA IL IN MI MN MO NE NM NV OH

OR TX WI SCU - Middletown All States Shelly, Middlebrooks & O’Leary, Inc. AL FL GA MS NC SC TX Sierra Specialty All States SIS Wholesale Insurance Services All States Southern Insurance Underwriters, Inc. CMGA AL FL GA MS NC SC TN Specialty Insurance Managers, Inc. AR MO NM OK TX Specialty Lines Underwriters IL IN WI Sun Coast General Insurance Agency AZ CA CO NV OR UT TAPCO Underwriters, Inc. Most States AR LA NM OK TX Tejas American General Agency Tennant Risk Svcs, a div. of Worldwide Facilities, LLC All States tKg Wholesale Brokerage All States Tokio Marine HCC Professional Lines Group All States Tokio Marine/HCC All States U.S. Risk Insurance Group, LLC All States USASIA Insurance Services AZ CA USG Insurance Services, Inc. All States Victor O. Schinnerer & Company Most States Western Special Risks, Inc. AZ CA NM NV TX UT Western Surplus Lines Agency, Inc. LA ND NM OK TX Western World Insurance Group Most States

Technology E&O Company

Access E&S Insurance Services (VA)

Agentic Insurance, LLC Alexander J. Wayne & Associates, Inc. All Risks, Ltd. All Solutions PBS, LLC Alta Professional Insurance Services (MI) AmWINS Group, Inc. - 100 Offices Nationwide Anderson & Murison, Inc. ARC West Coast Excess & Surplus Brokerage, LLC Arlington/Roe Ashley General Agency Atlantic Risk Specialists Axis Insurance Services, LLC Bailey Special Risks, Inc. Baker Insurance and Bonds, LLC Benchmark Management Group, Inc. Boston Insurance Brokerage Braishfield Associates, Inc. Burns & Wilcox — All Offices Business Risk Partners CID Insurance Programs, Inc.

Citadel Insurance Services, LC Cochrane and Company

States

CPA Protector Plan CRC Insurance Services CRC Swett DFCORBY Insurance Services

DC DE GA IL MD NC NJ NY OH PA SC TN TX VA DC DE FL MD NJ NY PA VA All States All States All States IN IL MI MN OH WI All States CA All States All States

TX All States All States All States except AK HI All States IL IN WI All States All States (includes Cyber & Privacy) All States All States AZ CA CO ID MD NE NM NV OR PA TN TX UT WA All States AK AZ CA CO ID MT ND NM NV OR UT WA WY Most States All States except VT All States All States CA

Eaton Professional Insurance Services eKo Specialty Insurance Services, Inc. Energi First Choice Insurance Intermediaries, Inc.

Founders Professional Fox Point Programs G.J. Sullivan Company GIC Underwriters, Inc. Global Financial & Insurance Services Gumtree Wholesale Insurance Brokers, Inc. Heritage Specialty Insurance Agency, LP Indemnity Excess & Surplus Agency, Inc. Intercorp, Inc. International Excess Companies IPA Risk Management, LLC IT Risk Managers, Inc. J.M. Wilson

CA AZ CA FL NV NY OR UT All States CA CT DE FL GA KS LA MA MD MO NC NJ NV NY OH OR PA SC TN TX VA WA All States except AK All States (varies based on class of business) CA FL TX AL AR KS KY LA MO MS TN TX AR OK TX Western States All States All State All States All States except AK HI AL AR FL GA IA IL IN KS KY MI MO NC NE OH OK PA SC TN VA WI WV

Cooper & McCloskey, Inc.

Donald Gaddis Co., Inc. Insurance Svcs

Technology E&O (continued)

All States

34 | INSURANCE JOURNAL | NATIONAL SEPTEMBER 3, 2018

Company

States

Jacobs & Associates, Inc. OH James Klein Insurance Service, Inc. Most States Jimcor Agencies CA CT DE FL GA MA MD NH NJ NY OH PA

RI SC TX WV Joseph Krar & Associates, Inc. CT MA RI Keystone Insurance Services, Inc. TX Keystroke Underwriters All States except HI King Insurance Support Systems Nationwide M.J. Hall & Company, Inc. AK AZ CA HI NV M.J. Kelly Company AR FL IA IL KS LA MO MS NC OK SC TN TX MarketScout All States McGowan, Donnelly & Oberheu, LLC (MDO) All States Monarch E&S Insurance Services AZ CA HI NV TX Morstan General Agency, A div of Hull & Co., Inc. All States NeitClem Wholesale Insurance Brokerage, Inc. AZ CA NV New England Excess Exchange, Ltd..

CT MA MD ME NH NJ NY OH PA RI VT NIF Group, Inc. All States Patriot National Underwriters, Inc. OK TX Philadelphia Insurance Companies All States except LA (includes

Integrated Technology) Pro-Risk Insurance Partners, LLC Worldwide Professional Liability Ins. Svcs - Underwriting Facilities All States Professional Liability Specialists All State Professional Underwriters Agency, Inc. All States Program Brokerage Corporation All States ProWriters All States Quaker Special Risk - FL MA NJ NY office Most States Quirk & Company LA NM OK OR TX WA RMIS AZ CA IA IL IN MI MN MO NE NM NV OH

OR TX WI Roush Insurance Services, Inc. IL IN OH RPS Executive Lines All States

RPS Technology & Cyber All States RT Specialty All States SCU - Middletown All States Shelly, Middlebrooks & O’Leary, Inc. AL FL GA MS NC SC TX Sierra Specialty All States SIS Wholesale Insurance Services All States Specialty Lines Underwriters IL IN WI Sullivan Brokers Wholesale Ins. Solutions , A All States

Worldwide Facilities, LLC Company TAPCO Underwriters, Inc. Most States Tejas American General Agency AR LA NM OK TX Tennant Risk Svcs, a div. of Worldwide Facilities, LLC All States The Hanover Insurance Group Most States ThinkRisk Underwriting Agency All States tKg Wholesale Brokerage All States Tokio Marine HCC Professional Lines Group All States Tokio Marine/HCC All States U.S. Risk Insurance Group, LLC All States USASIA Insurance Services AZ CA W. Brown & Associates Insurance Services CA Western Security Surplus Insurance Brokers, Inc. AZ CA CO FL IL NV NY OR TX UT WA Western Special Risks, Inc. AZ CA NM NV TX UT Western Surplus Lines Agency, Inc. LA ND NM OK TX Western World Insurance Group Most States Woodlands Insurance Services, LLC Most States Worldwide Facilities, LLC All States

Title Agents E&O Company

States

Agency Marketing Services AL CA CO FL GA KS LA MO NC NJ OH PA

SC TN TX All Risks, Ltd. All States Axis Insurance Services, LLC All States Capitol Special Risks, Inc. All States Cooper & McCloskey, Inc. Most States CRES Insurance Services, LLC Most States Delta General Agency Corp.

TX Donald Gaddis Co., Inc. Insurance Svcs All States Erickson-Larsen, Inc. MN MT ND SD WI WY Founders Professional All States except AK Fox Point Programs All States except AK HI Houston International Insurance Group All States (varies based on class of business) Intercorp, Inc. All States Keystroke Underwriters All States except HI MarketScout All States MAXIMUM All States N-Surance Outlets, Inc. FL GA LA TN New England Excess Exchange, Ltd..

CT MA MD ME NH NJ NY OH PA RI VT Norman-Spencer Agency, Inc. All States Professional Insurance Concepts All States Professional Liability Ins. Svcs - Underwriting Facilities All States Professional Liability Specialists All States Program Brokerage Corporation All States Quaker Special Risk - FL MA NJ NY Most States RPS Plus Companies All States Tennant Risk Svcs, a div. of Worldwide Facilities, LLC All States TitlePac, Inc. All States except AK ME VT Tokio Marine HCC Professional Lines Group All States Tokio Marine/HCC All States U.S. Risk Insurance Group, LLC All States Victor O. Schinnerer & Company Most States

INSURANCEJOURNAL.COM

Professional Liability Directory - Alphabetical Directory of Markets 360 Coverage Pros 8430 Enterprise Cir, Ste. 200, Lakewood Ranch, FL 34202 Phone: 877-524-0265 E-mail: info@360coveragepros.com Website: www.360CoveragePros.com Access E&S Insurance Services (VA) 2001 N. Lincoln St., Arlington, VA 22207 Phone: 703-248-2566 ; Fax: 703-248-2565 E-mail: tim@access-es.com Website: www.access-es.com Affinity Healthcare 159 E. County Line Rd., Hatboro, PA 19040 Phone: 215-293-1191; Fax: 215-773-4587 E-mail: affinity@aon.com Website: www.aon.com/affinity Agency Marketing Services 9800 4th St. N, Ste. 400, St. Petersburg, FL 33702 Phone: 727-384-1036 ; Fax: 727-343-4123 E-mail: bwolf@agencymarketing.com Website: www.agencymarketing.com Agentic Insurance, LLC 900 W. Valley Forge Rd., Ste. 100, King of Prussia, PA 19406 Phone: 610-900-0060 ; Fax: 610-900-0070 E-mail: Tkatona@agenticins.com Website: www.agenticins.com Alexander J. Wayne & Associates, Inc. 2551 N. Clark St., Ste. 601, Chicago, IL 60614 Phone: 773-305-7685 ; Fax: 773-328-1259 E-mail: vladantos@ajwayne.com Website: www.ajwayne.com All Performance Insurance Solutions 20199 Valley Blvd., Ste. I, Walnut, CA 91789 Phone: 626-427-9818 ; Fax: 626-699-4997 E-mail: info@allperformanceins.com Website: www.allperformanceins.com All Risks, Ltd. 10150 York Rd., 5th Fl., Hunt Valley, MD 21030 Phone: 800-366-5810 ; Fax: 410-828-8179 E-mail: allrisksij@allrisks.com Website: www.allrisks.com All Solutions PBS, LLC P.O. Box 1218, Morristown, NJ 07962 Phone: 888-376-5884 ; Fax: 888-726-6638 E-mail: Info@AllSolutionsPBS.com Website: www.AllSolutionsPBS.com Alliant Insurance Services 1301 Dove St., Ste. 200, Newport Beach, CA 92660 Phone: 949-756-0271 E-mail: marcomm@alliant.com Website: www.alliant.com Allsouth Professional Liability 9800 4th Street N, Ste. 400, St. Petersburg, FL 33702 Phone: 800-913-9260 ; Fax: 813-282-0994 E-mail: info@allsouth.net Website: www.allsouth.net Alta Professional Insurance Services (MI) 14141 Farmington Rd., Livonia, MI 48154 Phone: 866-532-2582 ; Fax: 734-786- 0067 E-mail: pallen@altaproinsurance.com Website: www.altaproinsurance.com AMIS/Alliance Marketing & Insurance Services P.O. Box 567, San Marcos, CA 92079 Phone: 760-471-7116 ; Fax: 760-471-9378 E-mail: snowell@amiscorp.com Website: www.amisinsurance.com

INSURANCEJOURNAL.COM

AmWINS Group, Inc. - 100 Offices Nationwide See Website for Locations Headquarters - Charlotte, NC 28210 Phone: 704-973-3489 ; Fax: 704-943-9000 E-mail: marketing@amwins.com Website: www.amwins.com

Axis Insurance Services, LLC 795 Franklin Ave., Ste. 206, Franklin Lakes, NJ 07417 Phone: 201-847-9175 ; Fax: 201-847-9174 E-mail: info@axisins.com Website: www.axisins.com Bailey Special Risks, Inc. 105 Bluegrass Commons, Ste. C, Hendersonville, TN 37075 Phone: 615-264-3977 ; Fax: 615-264-3980 E-mail: questions@bsrins.com Website: www.bsrins.com

Anderson & Murison, Inc. 800 W. Colorado Blvd., Los Angeles, CA 90041 Phone: 323-255-2333 ; Fax: 323-255-0957 E-mail: jmccarthy@amqts.com Website: www.andersonmurison.com

Baker Insurance and Bonds, LLC Las Vegas, NV Phone: 702-906-0888 E-mail: info@yesbaker.com Website: www.yesbaker.com

Aon Affinity 159 E. County Line Rd., Hatboro, PA 19040 Phone: 215-293-1261 E-mail: affinity@aon.com Website: www.aon.com Appalachian Underwriters, Inc. 800 Oak Ridge Turnpike, Ste. A-1000, Oak Ridge, TN 37830 Phone: 888-376-9633 ; Fax: 866-953-7153 E-mail: marketing@appund.com Website: www.appund.com ARC West Coast Excess & Surplus Brokerage, LLC 260 S. Los Robles Ave., Ste. 205, Pasadena, CA 91101 Phone: 626-584-5050 ; Fax: 626-584-5010 E-mail: shunt@arcxswest.com Website: www.arcbrokers.com

Beacon Hill Associates, Inc. P.O. Box 1532, Charlottesville, VA 22902 Phone: 800-596-2156 ; Fax: 434-979-8964 E-mail: info@b-h-a.com Website: https://b-h-a.com/ Benchmark Management Group, Inc. 1730 Park St., Ste. 214, Naperville, IL 60563 Phone: 630-778-7000 ; Fax: 630-778-7007 E-mail: info@bmgins.com Website: www.bmgins.com Berkley Select 233 S. Wacker Dr., Ste. 3900, Chicago, IL 60606 Phone: 312-800-6200 ; Fax: 312-207-1839 E-mail: info@berkleyselect.com Website: www.berkleyselect.com

Managing General Agents | Wholesale Insurance Brokers

Arlington/Roe

8900 Keystone Crossing, Ste. 800, Indianapolis, IN 46240 Phone: 800-878-9891 ; Fax: 317-554-8551 E-mail: info@arlingtonroe.com Website: www.arlingtonroe.com

Berkshire Hathaway GUARD Insurance Companies

P.O. Box A-H, Wilkes-Barre, PA 18703 Phone: 570-825-9900 ; Fax: 570-823-2059 E-mail: csr@guard.com Website: www.guard.com

Argo Pro

413 W. 14th St., New York, NY 10014 Phone: 212-563-3600 E-mail: argopromarketing@argoprous.com Website: argolimited.com/argo-pro Artex Risk Solutions, Inc. 2850 Golf Rd., 5th Fl, Rolling Meadows, IL 60008 Phone: 630-694-5050 E-mail: artexinfo@artexrisk.com Website: www.artexrisk.com Ashley General Agency 2040 N. Loop 336 W, Ste. 200, Conroe, TX 77304 Phone: 936-441-5959 ; Fax: 936-521-5922 E-mail: hnelson@ashleyga.com Website: www.ashleyga.com Atlantic Risk Specialists One International Blvd., Ste. 950, Mahwah, NJ 07945 Phone: 941-870-3125 ; Fax: 201-661-7816 E-mail: jdumont@arspecialists.com Website: www.arspecialists.com

Betty Harder & Associates, Inc. 84 Chalet Cir., Dawsonville, GA 30534 Phone: 1-800-998-1414 ; Fax: 706-216-0191 E-mail: bettyharder@windstream.net Website: www.bettyharder.com

Boston Insurance Brokerage

24 Federal St., 4th Fl, Boston, MA 02110 Phone: 617-556-7000 ; Fax: 617-556-7070 E-mail: gbewick@bostonbrokerage.com Website: www.bostonbrokerage.com

Boston Insurance Brokerage is a wholesale broker that offers commercial insurance solutions. Our product portfolio includes all forms of property, casualty, environmental, umbrella, executive & professional, workers compensation and risk management products and services including markets and expertise in healthcare liability.

Braishfield Associates, Inc.

5750 Major Blvd., Ste. 200, Orlando, FL 32819 Phone: 888-335-6616 ; Fax: 888-335-6615 E-mail: dhill@braishfield.com Website: www.braishfield.com

SEPTEMBER 3, 2018 INSURANCE JOURNAL | NATIONAL | 35

Professional Liability Directory - Alphabetical Directory of Markets Brownyard Group 21 Maple Ave., Bay Shore, NY 11706 Phone: 800-645-5820 ; Fax: 631-666-5723 E-mail: info@brownyard.com Website: www.brownyard.com

CRES Insurance Services, LLC 12396 World Trade Dr., Ste. 303, San Diego, CA 92128 Phone: 858-618-1648 ; Fax: 858-618-1655 E-mail: info@cresinsurance.com Website: www.cresinsurance.com

CNA

Delta General Agency Corp.

P.O. Box 2045, Houston, TX 77252 Phone: 713-570-2700 ; Fax: 713-570-2800 E-mail: billf@deltains.com Website: www.deltains.com

At CNA, we’re taking a measured, disciplined and assertive approach to growing in key customer segments – Construction, Financial Institutions, Healthcare, Manufacturing, Professional Services, Real Estate, Small Business and Technology – offering the broad range of products and customer service you and your clients have come to expect from CNA.

DFCORBY Insurance Services P.O. Box 6297, Fullerton, CA 92834 Phone: 714-213-3751 E-mail: denn@dfcorby.com Website: www.dfcorby.com

333 S. Wabash, Chicago, IL 60604 Phone: 800-CNA-2000 E-mail: CNA_helps@cna.com Website: www.cna.com

Burns & Wilcox — All Offices

See Web for Addresses - HQ - Detroit/Farmington Hills, MI Phone: 248-932-9000 ; Fax: 248-932-9046 E-mail: farmingtonhills@burns-wilcox.com Website: www.burnsandwilcox.com

Internationally recognized for its expertise, Burns & Wilcox is North America’s most capable independently owned insurance wholesale broker and underwriting manager. Burns & Wilcox makes securing coverage for the hard-to-place easy, with proficiency across a broad range of disciplines supported by our unrivaled brokerage and underwriting experts.

Business Risk Partners 2 Waterside Crossing, Ste. 102, Windsor, CT 06095 Phone: 860-903-0000 ; Fax: 860-903-0001 E-mail: info@businessriskpartners.com Website: www.businessriskpartners.com CAMICO Mutual Insurance Company 1800 Gateway Dr., Ste. 300, San Mateo, CA 94404 Phone: 800-652-1772 ; Fax: 800-227-2090 E-mail: dcrouch@camico.com Website: www.camico.com

Cochrane and Company 1405 S. Rustle St., Spokane, WA, 99224 Phone: 509-838-0655 ; Fax: 509-838-1710 E-mail: marketing@cochraneco.com Website: www.cochraneco.com Commercial Insurance Group 1773 S. 8th St., Ste. 200, Colorado Springs, CO 80905 Phone: 1-855-900-2960 ; Fax: 719-623-4699 E-mail: submissions@cig-llc.biz Website: www.cig-llc.biz Commercial Sector Insurance Brokers, LLC 600 Corporate Pkwy, Ste. 250, Birmingham, AL 35242 Phone: 205-332-8117; Fax: 205-776-1610 E-mail: bbleistine@comsectorins.com Website: www.comsectorins.com

CID Insurance Programs, Inc. 7125 El Cajon Blvd., Ste. 3, San Diego, CA 92115 Phone: 800-922-7283 ; Fax: 619-593-2008 E-mail: info@cidinsurance.com Website: www.cidinsurance.com

Cooper & McCloskey, Inc.

111 Pine St., Ste. 1530, San Francisco, CA 94111 Phone: 415-433-7700 ; Fax: 415-433-7707 E-mail: keltie@cmiprorisk.com Website: www.cmiprorisk.com Costanza Insurance Agency, Inc. 9101 LBJ Freeway, Ste. 150, Dallas, TX 75243 Phone: 800-346-0942 ; Fax: 972-991-2139 E-mail: b.costanza@cia-tx.com Website: www.costanzainsurance.com

CPA Protector Plan 655 N. Franklin St., Ste. 1800, Tampa, FL 33602 Phone: 800-438-1263 ; Fax: 813-222-4165 E-mail: cpa@bbprograms.com or cbasso@bbprograms.com Website: www.cpaprotectorplan.com

Citadel Insurance Services, LC

P.O. Box 1677, American Fork, UT 84003 Phone: 801-610-2720 ; Fax: 801-610-2701 E-mail: info@citadelus.com Website: www.citadelus.com

Citadel is a leading edge specialty casualty and professional insurance program manager. In additional to our exclusive programs, we represent a network of the world’s leading A+ rated insurance carriers providing all lines of Casualty, Property, Marine and Professional Liability insurance. We welcome ideas for new casualty and professional programs. Call us today with your questions, ideas, and key opportunities.

104 S. Michigan Ave., Ste 1025, Chicago, IL 60603 Phone: 888-853-0071 ; Fax: 312-853-1033 E-mail: cgaddis@gaddiscompany.com Website: www.gaddiscompany.com Eastern E&O Brokers, Inc. 41-A New London Tpke, Glastonbury, CT 06033 Phone: 800-967-5606 ; Fax: 860-633-3086 E-mail: eastern@useo.com Website: www.easterneobrokers.com

Eaton Professional Insurance Services

17602 17th St., Ste. 102-120, Tustin, CA 92780 Phone: 714-832-8649 ; Fax: 714-832-2586 E-mail: c.eaton@episi.net Website: www.episi.net

Capitol Special Risks, Inc. 1000 Parkwood Cir, Ste. 925, Atlanta, GA 30339 Phone: 770-618-1011 ; Fax: 770-956-9779 E-mail: ASedliak@csrisks.com Website: www.csrisks.com Chubb 555 S. Flower St., 3rd Fl, Los Angeles, CA 90071 Phone: 213-612-5540 ; Fax: 213-612-5731 E-mail: christopher.calnon@chubb.com Website: www.chubb.com/us/professionalliability

Donald Gaddis Co., Inc. Insurance Svcs

CRC Insurance Services See Website for Locations. HQ - Birmingham, AL 35209 Phone: 205-870-7790 ; Fax: 205-879-3739 E-mail: marketing@crcins.com Website: www.crcins.com CRC Swett See Website for Locations. HQ - Birmingham, AL 35209 Phone: 205-870-7790 E-mail: marketing@crcins.com Website: www.crcswett.com

36 | INSURANCE JOURNAL | NATIONAL SEPTEMBER 3, 2018

eKo Specialty Insurance Services, Inc. 275 E. Thousand Oaks Ave., Thousand Oaks, CA 91360 Phone: 805-373-6968 ; Fax: 805-373-7070 E-mail: eKo@eKoSpecialty.com Website: www.eKoSpecialty.com Energi 10 Centennial Dr., Ste. 201, Peabody, MA 01960 Phone: 978-531-1822 E-mail: wholesale@energi.com Website: www.energi.com

Environmental Insurance Services, Inc. 200 Cahaba Park S, Ste. 200, Birmingham AL 35242 Phone: 800-239-1347 ; Fax: 205-991-7767 E-mail: jbarron@env-ins.com Website: www.env-ins.com Erickson-Larsen, Inc. 6425 Sycamore Court No., Maple Grove, MN 55369 Phone: 763-535-0055 ; Fax: 763-535-0477 E-mail: appsmnoffice@ericksonlarseninc.com Website: www.ericksonlarseninc.com Euclid Architects & Engineers 234 Spring Lake Dr., Itasca, IL 60143 Phone: 630-238-1900 ; Fax: 630-773-8590 E-mail: mail@euclidmanagers.com Website: www.euclidae.com Euclid Public Sector 234 Spring Lake Dr., Itasca, IL 60143 Phone: 630-238-1900 ; Fax: 630-773-8590 E-mail: mail@euclidmanagers.com Website: www.euclidps.com

INSURANCEJOURNAL.COM

Professional Liability Directory - Alphabetical Directory of Markets Euclid Specialty Managers, LLC 380 Maple Ave. West, Vienna, VA 22180 Phone: 571-730-4810 ; Fax: 571-730-4813 E-mail: jobrien@euclidspecialty.com Website: www.euclidspecialty.com Executive Insurance Professionals, PLLC 6001 W. Interstate 20, Ste. 214, Arlington, TX 76017 Phone: 800-779-4095 ; Fax: 866-779-4331 E-mail: cheryl@execins.com Website: www.execins.com First Choice Insurance Intermediaries, Inc. 814 A1A North, Ste. 206, Ponte Vedra Beach, FL 32082 Phone: 66-821-9572 ; Fax: 904-543-4501 E-mail: info@firstchoiceii.com Website: www.firstchoiceii.com Founders Professional 147 2nd St. S, Ste. 203, St Petersburg, FL 33701 Phone: 727-498-6503 ; Fax: 727-498-6506 E-mail: robb@founderspro.com Website: www.founderspro.com Fox Point Programs 3001 Philadelphia Pike, Claymont, DE 19703 Phone: 800-499-7242 ; Fax: 302-472-8529 E-mail: info@foxpointprg.com Website: 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 E-mail: info@feiinsurance.com Website: www.feiinsurance.com G.J. Sullivan Company 2400 E. Katella Ave., Ste. 500, Anaheim, CA 92806 Phone: 714-221-9509 ; Fax: 714-876-2274 E-mail: mejiae@gjs.com Website: www.gjsullivan.com Gateway Specialty Insurance 1170 Devon Park Dr., Wayne, PA 19087 Phone: 877-977-4474 E-mail: info@gatewayspecialty.com Website: www.gatewayspecialty.com GIC Underwriters, Inc. 4075 SW 83rd Ave., Miami, FL 33155 Phone: 305-554-0353 ; Fax: 305-662-3914 E-mail: jcdp@gicunderwriters.com Website: www.gicunderwriters.com Global Financial & Insurance Services 300 Decker Dr., Ste. 320, Irving, TX 75062 Phone: 972-812-5410 ; Fax: 877-719-4479 E-mail: info@theglobalfinancial.com Website: www.theglobalfinancial.com Gorst & Compass Insurance 9310 Topanga Canyon Blvd., Chatsworth, CA 91311 Phone: 818-507-0900 ; Fax: 818-507-1133 E-mail: mail@gorstcompass.com Website: www.gorstcompass.com

Gray-Stone & Company, Inc.

275 E. Hillcrest Dr., Ste. 250 Thousand Oaks, CA 91360 Phone: 805-494-4440 ; Fax: 805-299-4985 E-mail: info@gray-stone.com Website: www.gray-stone.com Grayhawk General Agency, Inc. P.O. Box 2505, Gilbert, AZ 85299 Phone: 480-245-5991 E-mail: dan@ggagency.com Website: www.ggagency.com

INSURANCEJOURNAL.COM

Great American Insurance Group Executive Liability Division 1450 American Lane, 8th Fl, Schaumburg, IL 60173 Phone: 847-330-6750 ; Fax: 513-929-6890 E-mail: ELD@gaig.com Website: www.GreatAmericanELD.com

Insurance Agents & Brokers Service Group, Inc. 5050 Ritter Rd., Mechanicsburg, PA 17055 Phone: 800-998-9644 Ext. 209 ; Fax: 717-795-8347 E-mail: iab@iabforme.com Website: www.iabforme.com Intercorp, Inc. 1438-F W. Main St., Ephrata, PA 17522 Phone: 717-721-3500 ; Fax: 717-721-3515 E-mail: info@intercorpinc.net Website: www.intercorpinc.net

Greenhill Insurance Services 4801 Woodway Dr., Ste. 235W, Houston, TX 77056 Phone: 832-413-4600 E-mail: ghsubmission@grnhll.com Website: www.grnhll.com

International Excess Companies 3700 Park East Dr., Ste. 250, Beachwood, OH 44122 Phone: 216-797-9700 ; Fax: 216-342-7442 E-mail: kennethkukral@intlxs.com Website: www.intlxs.com

Gumtree Wholesale Insurance Brokers, Inc. 1650 E. Battlefield, Ste. 230, Springfield, MO 65804 Phone: 855-706-1558 ; Fax: 417-887-6140 E-mail: vicki.cota@gumtree-ins.com Website: www.gumtreeins.com

IPA Risk Management, LLC 340 W. Passaic St., Rochelle Park, NJ 07662 Phone: 201-797-1084 ; Fax: 201-797-1076 E-mail: g.heitmann@ipariskmanagement.com Website: www.ipariskmanagement.com

Hallmark Financial Services, Inc. 777 Main St., Ste. 1000, Fort Worth, TX 76102 Phone: 817-348-1600 E-mail: marketing@hallmarkgrp.com Website: www.hallmarkgrp.com

Irwin Siegel Agency, Inc. 25 Lake Louise Marie Rd., Rock Hill, NY 12775 Phone: 800-622-8272 ; Fax: 845-796-3661 E-mail: siegel@siegelagency.com Website: www.siegelagency.com

Hartford Steam Boiler Inspection & Insurance Co. 1 State St., Hartford, CT 06103 Phone: 800-472-1866 E-mail: Customer_Solution_Center@hsb.com Website: www.munichre.com/hsb

IT Risk Managers, Inc. 4225 Okemos Rd., Ste. B, Okemos, MI 48864 Phone: 517-381-9909 ; Fax: 517-381-8699 E-mail: submissions@itriskmanagers.com Website: www.ITRiskmanagers.com Izzo Insurance Services, Inc. 150 S. Bloomingdale Rd., Bloomingdale, IL 60108 Phone: 800-800-1704 ; Fax: 630-582-2803 E-mail: info@izzoinsurance.com Website: www.izzoinsurance.com

Herbert H. Landy Insurance

75 Second Ave., Needham, MA 02494 Phone: 800-336-5422 ; Fax: 800-344-5422 E-mail: johnt@landy.com Website: www.landy.com

Leading national program manager for Real Estate Agents & Brokers, Appraisers and Accountants Professional Liability insurance programs with coverage provided by an A+ -rated carrier. We now offer admitted and affordable Cyber & Crime coverage options with broad coverage features. With new, lower premiums and expanded coverage in many programs, same great service.

Heritage Specialty Insurance Agency, LP P.O. Box 5386, Bryan, TX 77805 Phone: 1-866-544-1900 ; Fax: 1-866-832-0984 E-mail: regan@heritagespecialty.com Website: www.heritagespecialty.com Hill Program Managers, LLC 155 S. Madison St., Ste. 302, Denver, CO 80209 Phone: 303-481-6684 E-mail: Mhill@hillprograms.com Website: www.hillprograms.com Houston International Insurance Group 800 Gessner Rd., 6th Fl, Houston, TX 77024 Phone: 713-975-4800 E-mail: inquiry@hiig.com Website: www.hiig.com Indemnity Excess & Surplus Agency, Inc. 1915 NW AmberGlen Pkwy, Ste. 450 Beaverton, OR 97006 Phone: 800-487-2442 ; Fax: 503-526-9700 E-mail: jreedal@ies-xs.com Website: www.ies-xs.com

J.M. Wilson 8036 Moorsbridge Rd., Portage, MI 49024 Phone: 800-282-8113 ; Fax: 269-327-2620 E-mail: cbaldwin@jmwilson.com Website: www.jmwilson.com Jacobs & Associates, Inc. 12782 Prospect Rd., Strongsville, OH 44149 Phone: 440-625-2690 ; Fax: 440-625-2731 E-mail: jim@jacobsnow.com Website: www.jacobsnow.org James Klein Insurance Service, Inc. 200 E. Sandpointe Ave., Ste. 310, Santa Ana, CA 92637 Phone: 714-918-0914 Ext. 115 ; Fax: 714-918-0921 E-mail: pkdz@aol.com

INSURANCE James River Insurance Company

6641 W. Broad St., Ste. 300, Richmond, VA 23230 Phone: 804-289-2700 ; Fax: 804-289-2703 E-mail: info@jamesriverins.com Website: www.jamesriverins.com

James River underwrites a wide variety of specialty P&C and Professional risks on an E&S basis in all states. PL teams include Medical PL, Allied Healthcare, and non-Medical PL. Visit www.jamesriverins. com to find a JRIC-authorized wholesale broker!

SEPTEMBER 3, 2018 INSURANCE JOURNAL | NATIONAL | 37

Professional Liability Directory - Alphabetical Directory of Markets Jamison Risk Services 20 Commerce Dr., Cranford, NJ 07016 Phone: 973-669-2311 ; Fax: 973-731-3035 E-mail: ccaruso@jamisongroup.com Website: www.jamisongroup.com

M.J. Hall & Company, Inc. P.O. Box 192, Stockton, CA 95201 Phone: 209-948-8108 ; Fax: 209-465-3843 E-mail: mindy@mjhallandcompany.com Website: www.mjhallandcompany.com

N-Surance Outlets, Inc. P.O. Box 2600, Roswell, GA 30077 Phone: 800-366-1450 ; Fax: 770-971-7608 E-mail: jmurrey@nsoins.com Website: www.nsoins.com

Jimcor Agencies 60 Craig Rd., Montvale, NJ 07645 Phone: 201-573-8200 ; Fax: 201-573-8820 E-mail: jschneider@jimcor.com Website: www.jimcor.com

M.J. Kelly Company 4415 E. State Highway D, Springfield, MO 65809 Phone: 800-725-7211 ; Fax: 417-883-7103 E-mail: khampton@mjkelly.com Website: www.mjkelly.com

National Association of Professional Agents (NAPA) 8430 Enterprise Cir, Ste. 200, Lakewood Ranch, FL 34202 Phone: 800-593-7657 ; Fax: 800-411-4771 E-mail: info@napa-benefits.org Website: www.napa-benefits.org

JLT Facilities, Inc. 22 Century Hill Dr., Latham, NY 12110 Phone: 800-998-5545 ; Fax: 518-782-3243 E-mail: jltsubmissions@jltfacilities.com Website: www.jltfacilities.com

MacNeill Group, Inc., CMGA 1300 Sawgrass Corporate Pkwy, Ste. 300, Sunrise, FL 33323 Phone: 954-331-4800 ; Fax: 954-331-4848 E-mail: mgmarketing@macneillgroup.com Website: www.macneillgroup.com

Navigators Pro One Penn Plaza, New York, NY 10119 Steven (D&O): 732-623-5656 ; Henry (E&O): 847-285-9047 D&O: skuuskvere@navg.com ; E&O: HLopez@navg.com Website: www.navg.com

Joseph Krar & Associates, Inc. P.O. Box 580, Southington, CT 06489 Phone: 860-628-3967 ; Fax: 860-628-3969 E-mail: submissions@jkrar.com Website: www.jkrar.com Keystone Insurance Services, Inc. P.O. Box 9127, Austin, TX 78766 Phone: 512-257-8000 E-mail: info@mykeystoneins.com Website: www.MyKeystoneIns.com Keystroke Underwriters 1000 Parkwood Cir, Ste. 925, Atlanta, GA 30339 Phone: 770-618-2840 ; Fax: 404-446-1501 E-mail: LLevinson@keystrokeins.com Website: www.keystrokeins.com King Insurance Support Systems 31381 Rancho Viejo Rd., Ste. 101 San Juan Capistrano, CA 92675 Phone: 800-488-4096 ; Fax: 949-488-2259 E-mail: Marketing@kinginsuranceca.com Website: www.kinginsuranceca.com

Markel Assurance

4521 Highwoods Pkwy, Glen Allen, VA 23060 Toll-free: 431-1270, ext. 117925 ; Direct: 804-527-7925 Website: www.markelcorp.com Website: www.markelinvestmentadvisors.com

Markel Assurance Professional Liability insurance offers E&O Insurance for RIAs and financial planners.

Since 1988, it has established a strong reputation as a result of its industry expertise, stable premiums, and excellent claims management services.

MarketScout 12700 Park Central Dr., Ste. 510, Dallas, TX 75251 Phone: 866-507-3980 ; Fax: 972-934-4299 E-mail: professionalliability@marketscout.com Website: www.marketscout.com Maverick Commercial Insurance Services 23945 Calabasas Rd., Ste. 107, Calabasas, CA 91302 Phone: 818-223-0011 ; Fax: 818-223-1102 E-mail: georgeluka@maverickinsure.com or Shannongomez@maverickinsure.com Website: www.maverickinsure.com

Landmark E & S 2400 E. Katella Ave., Ste. 800, Anaheim, CA 92806 Phone: 949-390-4725 E-mail: fbaron@landmark-es.com Website: www.landmark-es.com Lawyer’s Protector Plan 655 N. Franklin St., Ste. 1900, Tampa, FL 33602 Phone: 800-336-5529 ; Fax: 813-223-9547 E-mail: lpp@bbprograms.com Website: www.lppinsurance.com Legends Environmental Insurance Services, LLC 1417 E. Beechwood St., Santa Ana, CA 92705 Phone: 714-955-1560 ; Fax: 714-923-4012 E-mail: bill.lohman@legends-enviro.com Website: www.legends-enviro.com Lionheart Insurance Services, Inc. 2742 Kingclaven Dr., Henderson, NV 89044 Phone: 702-834-8140 E-mail: sandra@lionheartins.net Website: www.lionheartins.com

NeitClem Wholesale Insurance Brokerage, Inc. 7442 N Figueroa St., Los Angeles, CA 90041 Phone: 323-258-2600 ; Fax: 323-258-2676 E-mail: jcenteno@neitclem.com Website: www.neitclem.com Networked Insurance Agents 443 Crown Point Cir, Unit A, Grass Valley, CA 95945 Phone: 800-682-8476 ; Fax: 888-843-2535 E-mail: sales@networkedins.com Website: www.networkedins.com New England Excess Exchange, Ltd. 57 Parker Rd., Barre, VT 05641 Phone: 800-548-4301 ; Fax: 800-347-4935 E-mail: info@neee.com Website: www.neee.com NIF Group, Inc. 30 Park Ave., Manhasset, NY 11030 Phone: 516-365-7440 ; Fax: 516-365-7392 E-mail: marketing@nifgroup.com Website: www.nifgroup.com

Kinsale Insurance Company 2221 Edward Holland Dr., Ste. 600, Richmond, VA 23230 Phone: 804-289-1300 ; Fax: 804-673-5697 E-mail: marketing@kinsaleins.com Website: www.kinsaleins.com Land Design Insurance Group P.O. Box 219, Timonium, MD 21094 Phone: 877-316-4922 ; Fax: 877-292-7146 E-mail: info@landdesigninsurance.com Website: www.landdesigninsurance.com

Negley Associates 389 Interpace Pkwy, 4th Fl, Parsippany, NJ 07054 Phone: 862-286-3550 ; Fax: 866-865-5655 E-mail: info@jjnegley.com Website: www.jjnegley.com

MAXIMUM

222 S. Riverside Plaza, Ste. 2340, Chicago, IL 60606 Phone: 312-466-4877 ; Fax: 312-559-0930 E-mail: pato@maxib.com Website: www.maxib.com McGowan, Donnelly & Oberheu, LLC (MDO) 106 E. 6th St., Ste. 520, Austin, TX 78701 Phone: 512-600-2280 Ext. 5306 E-mail: ahatch@mdoinsurance.com Website: www.mdoinsurance.com Midlands Management Corp.

3817 NW Expy, Ste. 1000, Oklahoma City, OK 73112 Phone: 800-800-4007 ; Fax: 405-840-5432 E-mail: marketing@midman.com Website: www.midlandsmgt.com Monarch E&S Insurance Services 2540 Foothill Blvd., Ste. 101, La Crescenta, CA 91214 Phone: 818-249-0100 ; Fax: 818-249-1166 E-mail: wayneb@monarchexcess.com Website: www.monarchexcess.com Morstan General Agency, A division of Hull & Co., Inc. 1835 Banks Rd., Margate, FL 33063 Phone: 954-583-4722 ; Fax: 516-302-8951 E-mail: pwoodard@morstan.com Website: www.morstan.com

38 | INSURANCE JOURNAL | NATIONAL SEPTEMBER 3, 2018

Norman-Spencer Agency, Inc. 8075 Washington Village Dr., Dayton, OH 45458 Phone: 800-543-3248 ; Fax: 937-432-1635 E-mail: davidgeorge@norman-spencer.com Website: www.norman-spencer.com Norman-Spencer International, Inc. 150 E. 22nd St., Lombard, IL 60148 Phone: 800-842-3653 ; Fax: 630-705-1056 E-mail: gretchen@normanspencer.com Website: www.normanspencer.com Number One Insurance Agency 91 Cedar St., Milford, MA 01757 Phone: 800-742-6363 ; Fax: 508-634-2930 E-mail: atobin@massagent.com Website: www.massagent.com Patriot National Underwriters, Inc. P.O. Box 803143, Dallas, TX 75380 Phone: 972-239-1458 ; Fax: 972-233-3487 E-mail: corky.ellis@patriotnational.com Website: www.patriotnational.com PBS Insurance Underwriting Corporation 303 Middletown Park Pl., Ste. F, Louisville, KY 40243 Phone: 502-244-1056 ; Fax: 502-254-1056 E-mail: pbs@pbsinsurance.com Website: www.pbsinsurance.com

INSURANCEJOURNAL.COM

Professional Liability Directory - Alphabetical Directory of Markets Pennock Insurance, Inc. 2 Christy Dr., Ste. 100, Chadds Ford, PA 19317 Phone: 800-662-5182 ; Fax: 484-631-0816 E-mail: mail@pennockins.com Website: www.pennockins.com Personal Care & Assisted Living Insurance Center, LLC 195 Stock St., Ste. 118B, Hanover, PA 17331 Phone: 800-673-2558 ; Fax: 717-630-1188 E-mail: nfo@pcalic.com Website: www.PCALIC.com

Philadelphia Insurance Companies

One Bala Plaza, Ste. 100, Bala Cynwyd, PA 19004 Phone: 800-873-4552 ; Fax: 610-617-7940 E-mail: phlysales@phlyins.com Website: www.phly.com

Philadelphia Insurance Companies, a Member of the Tokio Marine Group, designs, markets, and underwrites commercial property/casualty and professional liability insurance products incorporating value added coverages and services for select industries.

Prime Insurance Company

303 W. Madison St., Ste. 2075, Chicago IL 60606 Phone: 800-257-5590 ; Fax: 877-452-6910 E-mail: RJL@primeis.com Website: www.primeis.com Pro-Risk Insurance Partners, LLC 21 St. Andrews, Glastonbury, CT 06033 Phone: 860-305-9477 E-mail: traci@pro-riskinsurance.com Website: www.Pro-RiskInsurance.com ProAssurance Mid-Continent Underwriters, Inc. 2 Riverway, Ste. 750, Houston, TX 77056 Phone: 713-965-6850 E-mail: cburton@proassurance.com Website: www.proassurancemidcontinent.com

Professional Governmental Underwriters

9020 Stony Point Pkwy, Ste. 455, Richmond, VA 23235 Phone: 800-586-6502 ; Fax: 804-272-7852 E-mail: ndaly@pgui.com Website: www.pgui.com Professional Insurance Concepts 389 Interpace Pkwy, 4th Fl, Parsippany, NJ 07054 Phone: 862-286-3470 ; Fax: 973-263-0747 E-mail: DGriffin@ProInsConcepts.com Website: www.ProInsConcepts.com Professional Liability Brokers & Consultants, Inc. 175 E. Hawthorn Pkwy, Ste. 310, Vernon Hills, IL 60061 Phone: 847-816-4480 ; Fax: 847-816-4484 E-mail: erv@plbc.com Website: www.plbc.com Professional Liability Ins. Svcs, Inc. Underwriting Facilities 5802 Thunderbird, Bldg 10, Ste. 100, Lago Vista, TX 78645 Phone: 800-761-7547 ; Fax: 512-327-5834 E-mail: underwriting@plisinc.com Website: www.plisinc.com Professional Liability Specialists 1308 Wickford Ln., Lanoka Harbor, NJ 08734 Phone: 609-339-2104 E-mail: anthony@plsins.com Website: www.plsins.com

INSURANCEJOURNAL.COM

Professional Program Insurance Brokerage 371 Bel Marin Keys Blvd., Novato, CA 94949 Phone: 415-475-4300 ; Fax: 415-475-4303 E-mail: info@ppibcorp.com Website: www.ppibcorp.com / www.medispa-inc.com / www.tattoo-ins.com Professional Underwriters Agency, Inc. 2803 Butterfield Rd., Ste. 260, Oakbrook, IL 60523 Phone: 630-572-0600 ; Fax: 630-572-0615 E-mail: Sandip@puainc.com Website: www.puainc.com Program Brokerage Corporation 1065 Avenue of the Americas/5 Bryant Park, 3rd Fl New York, NY 10018 Phone: 212-338-2924 E-mail: MKambos@programbrokerage.com Website: www.programbrokerage.com ProLawyer Insurance, LLC P.O. Box 1657, Newtown, PA 18940-0920 Phone: 215-525-3293 ; Fax: 215-394-7010 E-mail: info@prolawyer.com Website: www.ProLawyer.com Promont Advisors, LLC 1 E. Wacker Dr., Ste. 1920, Chicago, IL 60601 Phone: 312-262-3300 ; Fax: 312-262-3301 E-mail: zelbert@promontadvisors.com Website: www.promontadvisors.com ProSurance Group, Inc. 2685 Marine Way, Ste. 1408, Mountain View, CA 94043 Phone: 650-428-0818 ; Fax: 650-428-0860 E-mail: financialservices@prosurancegroup.com Website: www.prosurancegroup.com ProWriters 41 Leopard Rd., Ste. 301, Paoli, PA 19301 Phone: 484-321-2335 ; Fax: 484-321-2339 E-mail: info@prowritersins.com Website: www.prowritersins.com Psych Professional Liability, a div of Frenkel & Company 210 Hudson St., 6th Fl, Jersey City, NJ 07311 Phone: 201-356-0057 ; Fax: 201-356-0055 E-mail: khegel@frenkel.com Website: www.frenkel.com Quadrant Insurance Managers 501 W. Schrock Rd., Ste. 301, Westerville, OH 43081 Phone: 614-841-1425 ; Fax: 614-841-1426 E-mail: productinfo@quadrant-us.com Website: www.quadrant-us.com Quaker Special Risk - FL MA NJ NY See Website for Addresses Headquarters - Eatontown, NJ 07724 Phone: 800-447-4180 ; Fax: 732-223-9072 E-mail: creid@qsr-insurance.com Website: www.quakerspecialrisk.com

RMIS 22860 Savi Ranch Pkwy, Yorba Linda, CA 92887 Phone: 714-738-1383 ; Fax: 714-921-1160 E-mail: quoteRMIS@RMISmga.com Website: www.RMISmga.com Rockwood Programs, Inc. 3001 Philadelphia Pike, Claymont, DE 19703 Phone: 800-558-8808 ; Fax: 302-764-5477 E-mail: sales@rockwoodinsurance.com Website: www.rockwoodinsurance.com Roush Insurance Services, Inc. P.O. Box 1060, Noblesville, IN 46061-1060 Phone: 800-752-8402 ; Fax: 317-776-6891 E-mail: info@roushins.com Website: www.roushins.com RPS Executive Lines 550 W. Van Buren, Ste. 1200, Chicago, IL 60607 Phone: Phone: 312-803-6324 E-mail: executivelines@rpsins.com Website: www.rpsins.com/executivelines

RPS Healthcare

550 W. Van Buren, Ste. 1200, Chicago, IL 60607 Phone: 312-294-5625 ; Fax: 312-922-7563 E-mail: bill_yurek@rpsins.com Website: www.rpsins.com

RPS Healthcare specializes in medical professional liability insurance for all segments of the healthcare industry.

We deliver quality insurance solutions at a competitive price for healthcare institutions.

RPS Plus Companies 520 US Highway 22, Bridgewater, NJ 08807 Phone: 908-685-7650 E-mail: Frank_Figaro@RPSins.com Website: www.thepluscos.com

RPS Technology & Cyber

204 Cedar St., Cambridge, MD 21613 Phone: 800-336-5659 ; Fax: 410-228-7645 E-mail: techCyber@RPSins.com Website: www.RPSins.com/techcyber

RT Specialty 500 W. Monroe, 28th Fl, Chicago, IL 60661 Phone: 312-651-6000 ; Fax: 312-651-6096 E-mail: marketing@rtspecialty.com Website: www.rtspecialty.com Russell Bond & Co., Inc. 295 Main St., Ste. 866, Buffalo, NY 14203 Phone: 800-333-7226 ; Fax: 800-677-6779 E-mail: Thollederer@RussellBond.com Website: www.RussellBond.com

Quirk & Company P.O. Box 792030, San Antonio, TX 78279 Phone: 800-299-9421 ; Fax: 210-340-4075 E-mail: lvazquez@quirkco.com Website: www.quirkco.com

SASSI - Salon & Spa Specialty Insurance 21 Maple Ave., Bay Shore, NY 11706 Phone: 888-823-9380 ; Fax: 631-666-7646 E-mail: info@brownyard.com Website: www.sassiagency.com

RLI Insurance Company 9025 N. Lindbergh Dr., Peoria IL 61615 Phone: 309-692-1000 ; Fax: 309-692-1068 E-mail: inquiries@rlicorp.com Website: www.rlicorp.com

SCU - Middletown 421 Wadsworth St., Middletown, CT 06457 Phone: 860-347-9600 ; Fax: 860-347-9611 E-mail: jryczek@scui.com Website: www.scui.com/offices/middletown

SEPTEMBER 3, 2018 INSURANCE JOURNAL | NATIONAL | 39

Professional Liability Directory - Alphabetical Directory of Markets Shelly, Middlebrooks & O’Leary, Inc. P.O. Box 2909, Jacksonville, FL 32203-2909 Phone: 904-354-7711 ; Fax: 904-355-7611 E-mail: dc.oleary@shellyins.com Website: www.shellyins.com

Tennant Risk Services , a div. of Worldwide Facilities, LLC 124 LaSalle Rd., West Hartford, CT 06107 Phone: 860-519-1301 ; Fax: 860-216-5845 E-mail: info@tennant.com Website: www.tennant.com

USG Insurance Services, Inc. 1000 Town Center Wy, Ste. 300, Canonsburg, PA 15317 Phone: 724-754-9007 ; Fax: 724-265-5751 E-mail: jkessel@usgins.com Website: www.usgins.com

Sierra Specialty 234 Clovis Ave., Clovis, CA 93612 Toll-free: 844-874-3772 ; Phone: 559-256-6900 E-mail: BeckyTucker@SierraSpecialty.com Website: www.SierraSpecialty.com

The Hanover Insurance Group 440 Lincoln St., Worcester, MA 01653 Phone: 508-855-1000 Website: www.hanover.com

Victor O. Schinnerer & Company Two Wisconsin Cir., Chevy Chase, MD 20815 Phone: 301-961-9800 ; Fax: 301-951-5444 E-mail: vos.info@schinnerer.com Website: www.schinnerer.com/quick-reference-guide

SIS Wholesale Insurance Services 3250 Grey Hawk Ct., Carlsbad, CA 92010 Phone: 866-716-7242 ; Fax: 866-467-6701 E-mail: wholesale@sisinsure.com Website: www.sisinsure.com Southern Insurance Underwriters, Inc. CMGA P.O. Box 105609, Atlanta, GA 30348 Phone: 678-498-4500 ; Fax: 678-498-4600 E-mail: marketing@siuins.com Website: www.siuins.com Specialty Insurance Managers, Inc. 8601 RR 2222, Bldg III, Ste. 100, Austin, TX 78730 Phone: 800-876-3278 ; Fax: 877-399-2720 E-mail: lburton@simtexas.com Website: www.simtexas.com Specialty Lines Underwriters 1166 Quail Ct., Ste. 310, Pewaukee, WI 53072 Phone: 262-737-8990 ; Fax: 262-696-4389 E-mail: info@bmgins.com Website: www.specialty-lines.com Sports & Fitness Insurance Corporation P.O. Box 1967, Madison, MS 39110 Phone: 800-844-0536 ; Fax: 601-707-1045 E-mail: contactus@sportsfitness.com Website: www.sportsfitness.com Sullivan Brokers Wholesale Ins. Solutions , A Worldwide Facilities, LLC Company 800 W. 6th St., Ste. 1800, Los Angeles, CA 90017 Phone: 800-252-0355 ; Fax: 213-629-3161 E-mail: info@gjs.com Website: www.sbwis.com Sun Coast General Insurance Agency P.O. Box 30750, Laguna Hills, CA 92654-0750 Phone: 949-768-1132 ; Fax: 949-768-0625 E-mail: KChamberlain@SunCoastInsurance.com Website: www.suncoastinsurance.com SWBC P.O. Box 791028, San Antonio, TX 78279 Phone: 210-525-1242 ; Fax: 210-525-0054 E-mail: jlarson@swbc.com Website: www.swbc.com TAPCO Underwriters, Inc. 3060 S. Church St., Burlington, NC 27216 Phone: 800-334-5579 ; Fax: 336-584-8880 E-mail: KAllred@gotapco.com Website: www.GoTAPCO.com Target Professional Programs 1230 E. Diehl Rd., Ste. 350, Naperville, IL 60563 Phone: 331-333-8239 E-mail: SReidy@TargetProIns.com Website: www.TargetProIns.com Tejas American General Agency 1620 La Jaita Dr., Ste. 300, Cedar Park, TX 78613 Phone: 888-999-8242 ; Fax: 512-342-2803 E-mail: marketing@taga1.com Website: www.taga1.com

The Mechanic Group, Inc. One Blue Hill Plaza, Ste. 530, Pearl River, NY 10965 Phone: 845-735-0700 ; Fax: 845-735-8383 E-mail: mkatz@mechanicgroup.com Website: www.mechanicgroup.com

W. Brown & Associates Insurance Services 19000 MacArthur Blvd., Ste. 600, Irvine, CA 92612 Phone: 949-851-2060 ; Fax: 949-428-1298 E-mail: kkrebs@wbrownpc.com Website: www.wbais.com

ThinkRisk Underwriting Agency 14 Penn Plaza, 225 W. 34th St., Ste. 1510, New York, NY 10122 Phone: 646-612-7808 ; Fax: 646-612-7819 E-mail: rkhan@thinkriskins.com Website: www.thinkriskins.com TitlePac, Inc. 15200 Traditions Blvd., Bldg C, Edmond, OK 73013 Phone: 800-331-9759 ; Fax: 918-683-6842 E-mail: underwriting@titlepac.com Website: www.titlepac.com tKg Wholesale Brokerage 2525 E. Camelback Rd., Phoenix, AZ 85016 Phone: 602-325-5549 ; Fax: 602-352-1892 E-mail: breardon@tkgins.com Website: www.tkgins.com Tokio Marine HCC Professional Lines Group 37 Radio Circle Dr., Mt Kisco, NY 10549 Phone: 914-242-7840 ; Fax: 914-241-8098 E-mail: MPL@tmhcc.com Website: www.tmhcc.com Tokio Marine/HCC 2300 Clayton Rd., Ste. 1100, Concord, CA 94520 EPL: Chris Murphy - 415-277-2475 - CMurphy@tmhcc.com AE/CP: Jim Bechter - 925-305-2115 - jbechter@tmhcc.com All other: Ed Velasquez - 914-242-7865 - evelasquez@tmhcc.com Website: www.tmhcc/#liability U.S. Brokers Network, Inc. 1832 Woodmoor Dr., Ste. 101, Monument, CO 80132 Phone: Jan: 719-488-5502 | John: 201-744-0394 E-mail: submissions@usbrokersnetwork.com Website: www.usbrokersnetwork.com U.S. E&O Brokers 820 Gessner Rd., Ste.1680, Houston, TX 77024 Phone: 713-984-1370 x 142 ; Fax: 281-480-1335 E-mail: insurance@useo.com Website: www.useo.com U.S. Risk Insurance Group, LLC 8401 N. Central Expy, Ste. 1000, Dallas, TX 75225 Phone: 800-232-5830 ; Fax: 214-265-4976 E-mail: kellyK@usrisk.com Website: www.usrisk.com

Western Security Surplus Insurance Brokers, Inc.

5800 Granite Pkwy, Ste. 300, Plano, TX 75024 Phone: 888-977-3255 ; Fax: 972-702-0504 Website: www.wssib.com

Western Special Risks, Inc. 9059 W. Lake Pleasant Pkwy, Ste. 340, Peoria, AZ 85382 Phone: 888-317-5575 ; Fax: 623-977-4622 E-mail: rwilliams@westernspecialrisks.com Website: www.westernspecialrisks.com Western Surplus Lines Agency, Inc. P.O Box 6609, Abilene, TX 79608 Phone: 800-592-4408 ; Fax: 325-695-0371 E-mail: fpeck@westernsurplus.com Website: www.westernsurplus.com Western World Insurance Group 400 Parson’s Pond Dr., Franklin Lakes, NJ 07417 Phone: 201-847-8600 ; Fax: 201-847-1010 E-mail: marketing@westernworld.com Website: www.westernworld.com Woodlands Insurance Services, LLC P.O. Box 8369, The Woodlands, TX 77387 Phone: 281-367-5010 ; Fax: 281-367-5013 E-mail: drewk@woodlandsinsurance.com Website: www.woodlandsinsurance.com Worldwide Facilities, LLC See Website for Addresses Headquarters - Los Angeles, CA 90017 Phone: 213-236-4500 ; Fax: 213-244-9655 E-mail: info@wwfi.com Website: www.wwfi.com

United Educators 7700 Wisconsin Ave., Ste. 500, Bethesda, MD 20814 Phone: 800-346-7877 E-mail: jbritt@UE.org Website: www.ue.org USASIA Insurance Services 319 Union Ave., Pomona, CA 91768 Phone: 909-618-0288 ; Fax: 909-618-0289 E-mail: shirley@usasia-ins.com Website: www.usasia-ins.com

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Idea Exchange

Q&A

Ask the Insurance Recruiter

Q:I need to start working on a plan to replace my agency commercial lines manager. She’s within two years of retirement, but I don’t want to wait that far out. Plus, I’ll probably shift teams around, so I could use someone sooner in more ways than one. The market seems tight for candidates. How soon is too soon to start my search? – Paul in Detroit Rock City!

A:

Paul, the easy answer is if you have the budget for positions to overlap you need to start recruiting immediately. It’s much easier to slow-play a search than speed it up. You’re absolutely right, the insurance industry has a talent shortage. You can’t expect 10-15 qualified applicants for this type of role. In today’s market, three-to-five may be all you see in four-to-six months of looking.

It Took an Agency How Long to Hire a Commercial Lines Manager?

T

he old saying, “Our agency is constantly recruiting,” used to make firms sound very progressive.

That barely cuts the mustard these days.

Agencies must adopt a new philosophy: “We’re constantly talking to everyone.” Recruiting is worthless if you don’t talk to people.

Engagement is key to successful talent acquisition.

I have a great example to illustrate the importance of immediate, timely action on future openings. Below are specs of a project like yours that I just wrapped up for a national brokerage.

INSURANCEJOURNAL.COM

Commercial Lines Manager Profile:

• 10+ years in property/ casualty insurance; at least 5 years in leadership • Retail agency experience is required • Successful performance management (customer service and marketing divisions) • Employee development (teaching, training, mentoring, quality control) • Ability to unify the service delivery strategy for current staff of 50; includes future acquisitions/roll-ins • Project management: Infrastructure, technology,

talent acquisition and vendor/carrier partnership • Relocation: necessary; Bachelor’s degree: highly preferred; Compensation: $100k-$140k.

Straightforward agency leadership profile, right? Here’s how the timing played out.

Recruiting Timeline: • August 2017- Agency began

•

•

•

•

•

By Mary Newgard Capstone Search Group

contemplating the role.

January 2018- Completed

infrastructure changes; green lighted the position.

February 2018 - Four viable candidate referrals emerge in the first 30 days. Two are chosen for interviews.

March/April 2018 - First and second round interviews begin (face-to-face and in-person). No new applicants materialize.

Agency management experience proves to be the biggest hurdle.

May 2018 - Offer extended early in the month (candidate is among the original two interviewees).

July 2018 – 10.5 months since the position’s inception, relocating from 1,000 miles away, the new Commercial Lines Manager begins their first day of employment.

TRUE OR FALSE: Recruiting Time Management

Job boards are great for pipeline building.

FALSE: Advertisements on job boards refresh daily, sometimes as frequently as every six hours. Unless you pay to sponsor jobs, after a week, the shelf life has expired.

A quick interview process scares candidates.

FALSE: Properly communicat-

Newgard is partner and senior search consultant for Capstone Search Group, a national recruiting firm dedicated to the insurance industry. For questions and comments, email: asktherecruiter@csgrecruiting.com.

ed, applicants appreciate efficiency. People are busy and on to the next thing quickly, so a “to the point process” is well received.

Treat anticipated retirements the same as vacancies.

TRUE: Pre-retirees have started giving less advance notice. The norm used to be 6-12 months.

Now, many agencies have to backfill retirements with only 30-45 days’ notice. Be proactive with roles vacated by anticipated retirements. Extra payroll expense for a few months is money well spent.

FOOD FOR THOUGHT “The insurance industry's 2.2 percent unemployment rate is the lowest since 2006.

For employers looking for skilled talent, the challenge is figuring out where to find skilled workers. Currently, 95 percent of companies have open jobs. Everyone is hiring.” – 2018 Insurance Industry Employment & Hiring Outlook Survey, Great Insurance Jobs.

SEPTEMBER 3, 2018 INSURANCE JOURNAL | NATIONAL | 41

Idea Exchange

Contractors

Constructive Tips for Reducing Equipment Losses at Jobsites

By Richard Falcinelli

I

f you live in a city or nearby one and see new construction projects popping up at a rapid rate, you’re not alone.

Cities throughout the United States are experiencing a boom in construction.

Optimism is soaring to record levels as more construction firm owners are confident the market is going to continue to grow, according to a recent survey by the Associated General Contractors of America.

The U.S. Commerce Department also recorded significant increases in spending in the commercial construction sector, and the Bureau of Labor Statistics recently reported the industry added 210,000 jobs in 2017, a 35 percent increase over 2016.

While this is certainly good news, construction companies and contractors, both large and small, are increasingly faced with equipment security issues as a result.

The Inland Marine Underwriters Association’s (IMUA) Contractor’s Equipment Guide to Loss Prevention cited vandalism or malicious mischief (VMM) and theft as representing one-third of all loss dollars for contractors’ equipment.

Why? Construction tools and equipment are relatively easy to steal and re-sell, compared with other types of goods.

Thieves prefer tools and smaller mobile equipment, such as trailered compressors, generators and lighted road signs, followed by medium-sized equipment (e.g. skid steers, small tractors and forklifts), according to industry experts. Excavators, backhoes, bulldozers and other large machines, although costly to replace, are targeted least frequently due to the greater challenges thieves face in stealing and reselling them. Theft most frequently takes place during the weekend, and jobsites are the preferred location, as compared to company premises.

to this determined and increasingly sophisticated thieves, and the situation may seem discouraging.

On a positive note, there is a wide array of strategies available to combat theft and vandalism. These can be divided into three main areas: administrative controls, jobsite physical controls and equipment physical controls.

While it is unrealistic to expect small operators to implement every type of mitigation tactic available, there are many simple, low-cost prevention controls that can lessen the chance of loss.

Management practices are as important as physical security controls in preventing theft.

Administrative Controls

With small and large commercial projects showing no signs of slowing down any time soon, tools and equipment are in high demand, and contractors may be inclined to ask fewer questions when purchasing used equipment, even if the deal seems too good to be true. It also has become easier in recent years to sell equipment outside the country, making it difficult or impossible to trace and recover stolen items. Add

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Management practices are as important as physical security controls in preventing theft. Topping the administrative list is management’s commitment to theft prevention and zero tolerance for losses. Companies whose leaders adopt this philosophy are more likely to succeed with their loss prevention efforts because employees take them more seriously.

Designating an individual with overall accountability for security and theft prevention, such as a site supervisor or operations manager, further reinforces this message.

Hiring practices, screening, reducing turnover and implementing substance abuse testing programs are very important tools in reducing theft, particularly “inside jobs” where dishonest employees provide the knowledge, skill or access to carry out criminal acts. Employee and visitor access to job sites should be carefully controlled and logged. Implementing theft prevention policies and procedures, and unannounced site visits and inspections by company managers, also can go a long way toward controlling the theft of equipment and tools.

Additionally, companies should consider including an educational segment on security and theft prevention during new employee orientations and annual refresher training. From an operational perspective, setting up a database to INSURANCEJOURNAL.COM

es. Installing alarm systems and GPS tracking units on large equipment also can scare off would-be criminals or improve chances of recovery.

Conclusion

maintain accurate inventory records and registering equipment serial numbers with the National Equipment Register can accelerate recovery efforts and facilitate claims processing.

Physical Security Measures

Jobsite and equipment security controls go hand-in-hand. These are the “nuts and bolts” of a theft prevention program, tailored to specific geographies, industries and equipment types. To enhance security, owners should install fencing and gates to minimize access points and create well-lit areas throughout the jobsite.

Additional tips to deter criminal activity include: using high security locks and changing them frequently; mounting security bars and grates on office trailers and containers; posting “No Trespassing” signage; and requesting additional police patrols. A more expensive, but highly effective preventative measure is to uti- C lize motion-sensitive video cameras and M alarms that are actively monitored. These systems are connected to off-site facilitiesY run by third-party security firms. TrainedCM security professionals (in many cases, MY former law enforcement officers), receive CY alerts and can assess the situation in realtime, notifying police of a crime in prog-CMY ress or taking other appropriate action. K Begin with the most basic tactics to secure equipment of all shapes and sizes.

All tools should be properly identified by engraving, die stamping or tagging, and should be painted a distinctive color. This will make stolen tools more easily recognizable and harder to sell quickly on the black market. Keeping tools locked in gang boxes or containers and securing small mobile equipment to fixed objects with

Implementation of these administrative and security prevention controls will not guarantee against theft, but it will make the company a harder target and reduce the likelihood of a major loss.

Companies should continue to partner with local law enforcement, security consultants and industry experts to stay abreast of the latest technology and best practices to avoid theft. However, senior management’s commitment to making security and safety a top priority is the single most important success factor for achieving a loss-free operation.

chain, cable or welding also decreases the chances of theft.

Other effective prevention measures for small and medium-sized equipment include: marking with hidden VIN and serial numbers; removing or locking wheels and trailer hitches; locking fuel/oil caps, hoods and access doors; and using smart keys. Larger equipment can be protected Falcinelli10:22 is vice AM president, Global Marine Risk Engiby installing kill switches, fuel 1 12/28/15 A&Mhidden IJ Personal Umbrella.pdf neering, for Aspen Insurance. shutoffs, track locks and hydraulic bypass-

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SEPTEMBER 3, 2018 INSURANCE JOURNAL | NATIONAL | 43

Idea Exchange

The Competitive Advantage

5 Ways to Put Customers First and Ice the Cake with Insurtech

By Chris Burand

I

was surprised to learn I was named one of the 50 most influential people in the United States/Western Europe for Insurtech. The fact that I was the only person, I believe, listed who makes their living on their own name (not working for some large organization) and who works with traditional insurance companies and traditional agencies was an honor, but eye opening. I can understand why traditional companies and agencies feel like they are being written off because few other people on that list focus on the traditional insurance world.

Being the person working in both venues, traditional and insurtech, gives me more hope. The key element for thriving success in this new world has little to do with technology. Technology is simply the means to the end. Technology is simply the tool, but without the right plan and thought process, that technology is meaningless. Technology is not even the only solution for thriving success. Therefore, Luddites do not have to plan their funerals, necessarily. Older generations don’t have to take a sabbatical and get a degree in IT to thrive going forward, or even necessarily hire a chief information officer (CIO).

These solutions are useless until the base issue that makes technology so sexy is proactively addressed.

The fundamental issue is customer

focus. Insurtech, at least a large portion, is about placing the customer at the center focus of the relationship, and insurtech organizations use technology to do so (maybe as some “insurtech” has considerable behind the scenes manual work, meaning its promise really has little to do with fancy technology and almost everything to do with a customer-centric focus).

All the insurtech in the world will not save a distributor who fails to put customers first.

Every agency/broker/producer I have ever met claims to put customers first, so I know intentions are good. Although, few distributors actually do so. Here is factual, damning evidence.

Renew as Is

Most agencies and brokers have a strong “Renew as Is” program. How can an agency claim to be customer-centric when 25 percent, 50 percent or maybe 75 percent of its policies are renewed as is because the rate did not increase more than X-percent and the customer did not call the agency to report changes? That is passive-to-lazy, but it is absolutely not customer-centric.

Customer-centric is reaching out to the clients, at least annually, inquiring about changes, new needs, improvements, successes in their families and businesses. It is about proactive communication to engage the client.

Absolutely nothing is engaging with a 'renew as is' philosophy, and going forward, customers and carriers really do not need to pay renewal commissions to agencies that use this methodology.

think people do not think you are talking about their blankets?), DIC (difference in condition), or one of the best, owned/nonowned auto. Seriously, if anyone thinks insureds understand intuitively what owned/non-owned auto means and why this is not a 100 percent oxymoronic term, have your head examined.

One reason staff and producers use these terms is they want to be accurate, but they do not understand the coverages themselves. So, they figure that if they just use the technical terms, they are safe. The better solution, of course, is to learn the coverages and then explain the coverages in normal English rather than insurance language. Using industry terminology is a power play. Power plays are not customer-centric.

Tracking Customer Claims

Not tracking claims is another spotlight example of not being customer-focused.

Customers buy insurance because insurance’s purpose is to restore policyholder’s

Terminology Power Play

More subtly but importantly, agencies use insurance terminology to explain coverages. We talk about “blanket” coverage (really, do you

44 | INSURANCE JOURNAL | NATIONAL SEPTEMBER 3, 2018

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wealth to what it was immediately prior to the claim. But if agencies, and even many insurance companies, do not even track how quickly claims are paid, which is an extremely true statement, then how customer-centric is the industry, really?

Every agency and carrier should report how quickly the average claim is paid, or at least how quickly the average property claim is paid. It is not, like all of these points, rocket science. The systems exist, and the only reason these numbers are not available is because agencies - and often companies - do not use their systems well.

New technology does not solve this problem because this is a people and leadership problem.

Loss Prevention Tools

Few loss prevention tools, including advice, are employed. Here is another simple fact: 99.9 percent of people prefer never having a claim to having a claim.

So, does it not make sense to help customers avoid claims on a proactive basis?

Customer-centric firms do this, and so much of insurtech is focused on this point.

Again, a customer-centric focus is required first and foremost. Technology is just a means for delivering the service.

can’t provide adequate coverage options.

So what? I’ve only completed hundreds of E&O audits and 90 percent of producers do not offer adequate coverages either.

The only difference is - arguably, let’s say insurtech can’t and humans won’t.

As Mark Twain wrote, “What is the difference between a man who can read but does not and a man who can’t read? The former is lazy." What is the difference when a human can offer the right coverages but doesn’t? He/she is lazy. Lazy is not a characteristic of a customer-centric approach.

That last statement is strong but 100 percent accurate, and it is key to thriving success. Customers do not need and now will not have to pay (nor will companies need to pay) agencies that are too lazy to offer correct coverages, renew as is, hide behind insurance terms and not help clients avoid losses. I am positive this angers some readers because they are scared. They have never really been customer-centric, and

Coverage Checklists

The very best example of being customer-centric is selling clients the coverages they actually need (which is not the same as selling them the coverages you think they will buy or the coverages they request, because they are likely not experts, so absolutely zero reason exists to believe they know which coverages to request). The only tool that exists to ensure customers are offered the coverages they actually need is a coverage checklist.

Absolutely nothing could be more not technology based than a paper coverage checklist. Technology is not required. A customer-centric approach is required.

Last week at a conference, the audience advised me that insurtech automated approaches could not provide customers the coverages they truly need. That point is debatable because some programs can.

But that is a moot point. Assume insurtech INSURANCEJOURNAL.COM

they do not know how to become customer-centric. Some readers will claim these points are invalid, but after all the valuation due diligence, E&O audits and serving in positions where I get to see how little so many agents know, no other conclusions are possible.

Conversely, my clients and others I see in the industry that are customer-centric, within and outside of insurtech, are achieving phenomenal organic growth and profit. This makes complete sense too because customers tend to like to do business with entities that make them the center of attention. This really is not rocket science. Put customers first using these five points, and then add the icing - the insurtech - to polish your services.

Burand is the founder and owner of Burand & Associates LLC based in Pueblo, Colo. Phone: 719-485-3868.

E-mail: chris@burand-associates.com.

To give real service you must add something which cannot be bought or measured by money— only sincerity and integrity. Douglas Adams

Frenkel/AIG Psychoanalysts Professional Liability Program For over 40 years, Frenkel & Company has proudly delivered our exclusive insurance products to psychoanalysts industry wide, including APsaA members. This insurance program and other insurance products are a testament of both our knowledge and our commitment to this prestigious industry. We appreciate the opportunity to serve you.

Kenneth C. Hegel, Jr. Senior VP/Unit Manager, Frenkel & Company khegel@frenkel.com // 201-356-0057

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SEPTEMBER 3, 2018 INSURANCE JOURNAL | NATIONAL | 45

Idea Exchange

Human Resources

Rebranding and Embracing Change to Thrive in the Future of Work

By David E. Coons

T

he wave of innovation has taken the insurance industry

by storm, forever changing organizations, processes and people alike. Risk management telematics are calculating accurate policies for underwriters, big data is helping

employees analyze customer feedback to improve services, and drones are speeding up the claims process.

These changes and more have left a very different industry and workplace in its wake - one that will undoubtedly look vastly different from now on.

As automation, data analytics and other technological transformations streamline everyday, time-consuming

tasks, individual employees will have the opportunity to work more closely with core organizational values and perform more decision-oriented functions. These roles will require well-rounded individuals with a blend of technical and soft skills ready to support data-driven initiatives and business mindsets. Recruiting and retaining these renaissance employees will position organizations to succeed in the future of work.

The future workplace will also demand team-based, flexible workflows.

Collaboration is becoming more important as technology redefines employees’ tasks, allowing for more creativity and discus-

sion. At the same time, professionals are working beyond the traditional office space and hours as organizations strive to cultivate the highest productivity.

In this age of innovation, improving, and even maintaining, retention rates can be challenging. Many employees associate technological innovations with staff reductions and worry robots and computers will take over their jobs and replace them. They are concerned that their employers are painting the picture of a future work reality without them. To ease these concerns, leaders should be transparent and consistently communicate upcoming changes and initiatives.

46 | INSURANCE JOURNAL | NATIONAL SEPTEMBER 3, 2018

It is not simple, though, to ease the suspicion and fear employees are harboring as their workplace changes at an unprecedented pace. Insurance organizations must offer more than “lip service” to improve employee engagement and retention.

This starts with fully embracing workplace modernization. Change is exciting, and employers need to put innovation in a positive light to ensure their organizations truly step into the 21st century. We often associate technological improvements with “disrupters.” Although the term may accurately refer to potential risks stemming from the future of work, it does not reveal how modernizing provides promising opportunities for the industry and its workforce.

Artificial intelligence and data analytics may indeed replace some jobs, but at the same time, they will generate newly-created positions, putting more people to work.

Leaders should offer opportunities for individual growth by providing transition programs and supporting internal mobility. As technology redefines employees’ responsibilities, insurance organizations must be intentional about helping their workers transition into the future of work.

Recruiting

Recruiting top talent is also a key to mitigating future workforce risks, but long-standing views of the industry as a rigid, old-fashioned environment often deter younger generations from considering insurance a viable career path. The INSURANCEJOURNAL.COM

insurance industry will continue to face fierce recruiting challenges stemming from this misconception. Although organizations have started to revolutionize their business models and integrate cutting-edge technology, those efforts are often buried under unchanging public perception.

It is critical that the insurance industry reinvent its employer brands to attract top talent. Companies should proactively advertise their innovative corporate culture and desirable workplace features to younger generations. Many still think insurance organizations require professional attire such as full suits and ties under bureaucratic, structured authority.

Dressing down, allowing flexible work arrangements, promoting a collaborative atmosphere and offering creative benefits are essential, but they mean nothing if no one knows about them.

The potential the future of work offers is exciting. Organizations must positively approach innovation alongside their employees and authentically promote their modern workplace. Only then will the industry have the talent needed to success-

fully redefine our industry’s future.

Coons is senior vice president of The Jacobson Group, a provider of talent to the insurance industry.

Phone: 800-466-1578. Email: dcoons@jacobsononline.com.

In today’s candidate-driven marketplace, organizations should tell the story of their organization’s journey to the future of work.

Organizations need to reverse their traditional candidate marketing strategies to tackle recruiting challenges. It is time for employers to preemptively advertise their modern workplace features to candidates beyond job interviews and postings and before showcasing available positions.

Demonstrating authenticity is crucial.

Emerging professionals are likely to be more attentive to employees’ uncensored, personalized messages on up-to-date insurance workplace changes. In today’s candidate-driven marketplace, organizations should tell the story of their organization’s journey to the future of work.

As technology exerts bigger influence on business operations, the insurance industry is at risk of losing its workforce.

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NATIONAL | MyNewMarkets tractors and a deep understanding of government work - HUD and LIHTC Bbonding.

ProSure can write your bond no matter the credit or financial standing.

Available limits: Maximum $100 million Carrier: Unable to disclose States: Ala., Ark., D.C., Fla., Ga., Ky., La., Md., Miss., N.C., Okla., S.C., Tenn., Texas and Va. Contact: Tyler Santos at 813-243-1110 or e-mail: tyler@prosuregroup.com

Tiny Home Insurance

Market Detail: Commercial Insurance

Animal Mortality

Market Detail: Wildlife Insurance

Underwriters, LLC (www.insurewildlife. com) is a national firm specializing in the placement and underwriting of animal mortality risks. Coverage is placed on a

Advertisers Index

Read, browse, contact, or do product searches on any of our full page advertisers at: www.insurancejournal.com/adshowcase/

AmTrust www.amtrustgroup.com 15, SC3 Anderson & Murison www.andersonmurison.com 43 Aon Affinity www.aon.com 7 Applied Underwriters www.auw.com 2, 3, 52 California Earthquake Authority mvp.earthquakeauthority.com W4 City of Hope www.cityofhope.org 49 Frenkel & Company www.cosmeticinsurance.com 45 JM Wilson www.jmwilson.com S3, M2 Louisiana Commerce & Trade Assoc. www.lctacomp.com SC5, S5 LUBA Workers' Comp www.lubawc.com SC4 M.J. Hall & Company www.mjhallandcompany.com W2 Monarch E&S Insurance Services www.monarchexcess.com W3 NBIS www.nbis.com 47 PersonalUmbrella.Com www.personalumbrella.com 51 Philadelphia Insurance Companies www.phly.com 17 ProAssurance Companies www.proassurance.com 9 Shield Commercial Insurance Services www.shieldins.net 23 SIS Wholesale www.sisinsure.com 13 Texas Mutual www.texasmutual.com SC2 United Fire Group www.ufgsolutions.com 5

surplus lines basis. Coverage is available for breeders, white tail deer, exotics, zoos and domestic animals as well.

Available limits: Minimum $10,000, maximum $10 million Carrier: Underwriters at Lloyd’s States: All states Contact: Customer service at 866-3864136

Event Insurance

Market Detail: AmRisk Insurance Services (www.eventinsurancequote.com) offers special event insurance coverage for every type of event – from birthday parties and weddings to festivals, rodeos and hip-hop concerts.

Available limits: Minimum $500,000, maximum $5 million Carrier: American Specialty States: All states Contact: Marybeth Pallante at 833-2674757 or e-mail: mpallante@eventinsurancequote.com

Construction Bonds

Market Detail: The ProSure Group’s (www.

ProSureGroup.com) coverage for construction bonds can include payment and performance bonds, bid bonds, maintenance bonds, supply bonds, subdivision bonds, site improvement bonds, completion bonds, right of way bonds, service contract bonds, and contractor license bonds.

ProSure specializes in bonding large and small projects with express programs available for smaller projects and newer con-

48 | INSURANCE JOURNAL | NATIONAL SEPTEMBER 3, 2018

Group LLC (www.cig-llc.biz) can insure tiny homes across the country. Program administrator for agents and tiny homeowners- with coverage also available for tiny homes on wheels, sleds and on foundations.

Available limits: Minimum $25,000, maximum $150,000 Carrier: Unable to disclose, non-admitted States: All states except Alaska and Hawaii Contact: Martin Burlingame at 303-9002960 or e-mail: martin@cig-llc.biz

Commercial Umbrella

Market Detail: NationsBuilders Insurance Services, Inc. (NBIS) (www.nbis.com) offers a competitive policy that includes loss prevention, risk management support, reliable claims service, highly competitive rates and custom coverage. Programs include concrete pumping, crane & rigging, specialized transport and equipment dealer with broad coverage and custom risk management.

Available limits: As needed Carrier: Unable to disclose States: All states Contact: Customer service at 866-6686247 or e-mail: contactus@NBIS.com This section brought to you by Insurance Journal’s sister website: www.mynewmarkets.com

Need a Market?

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Closing Quote How Unemployment Insurance Can Help Nonprofits

By Ron Lucki

A

s an insurance broker, you may have a special connection to your nonprofit clients. After all, these organizations undertake some of the most noble work in our society, serving those in need or advancing research that helps create a better world.

They also typically operate on thin budgets, working to drive as much money as possible back to their missions. While staff can be significant, they may have no more than one or two employees dedicated to human resources.

Clients like this rely on their brokers to help them break through the complexity of the insurance and benefits worlds while also finding cost effective ways to manage risk and provide peace of mind.

One way that brokers can help their nonprofit clients is by encouraging them to look at their state unemployment tax expenditures. In fact, the Federal Unemployment Tax Act of 1972 allows 501(c)(3) nonprofits to opt out of paying

the state unemployment tax to become “reimbursable employers.” When an organization operates in this way, it reimburses the state dollar-for-dollar for unemployment benefits paid out to former employees, rather than paying taxes.

Considering that nonprofits participating in the state unemployment tax system, pay, on average, $2 in unemployment taxes for every $1 in benefits paid, leaving the system to become a reimbursable employer can seem like an attractive option. However, there is also significant risk in an already overburdened organization taking on the sole responsibility of reimbursing the state in the event of layoffs.

In addition, the amount of time it takes to file paperwork, attend hearings and monitor benefits paid to former employees can place a serious burden on small human resources departments.

claims and navigating state systems.

Unemployment insurance providers offer an alternative approach with solutions tailor-made to the realities of nonprofits’ organizational structures, employment trends and budgetary realities.

A good unemployment insurance provider will work with you and your client to determine a fixed rate based solely on that organization’s individual claims history and future expectations. This alone can result in significant savings for the average nonprofit as the money spent applies directly to the organization’s own unemployment compensation expenditures rather than subsidizing employers with higher expenses, such as in a state unemployment pool.

Unemployment insurance providers can also help ensure that a nonprofit organization is prepared in the event of unexpected layoffs due to restructuring or funding losses.

Insurers also typically handle all the administration that goes

along with unemployment claims, including paperwork, attending hearings, and managing appeals. The insurer also helps audit claims as they are paid, which could result in additional savings for the nonprofit organization.

One way that brokers can help their nonprofit clients is by encouraging them to look at their state unemployment tax expenditures.

Most unemployment insurance providers are interested in working with insurance brokers, offering varying commission structures. They know that when it comes down to it, brokers are relationship builders who rely on the trust and goodwill of their clients.

Lucki is vice president of business development for UC Assure, a product of Ohio Indemnity Co.

Private Insurance

Directing your nonprofit clients toward private unemployment insurance makes great sense in most cases.

Not only does it allow you to expand your product line, it provides your clients with a truly supportive, low-risk and cost-saving way to avoid overpayment. It also protects the nonprofit from the burdens that come from managing unemployment

50 | INSURANCE JOURNAL | NATIONAL SEPTEMBER 3, 2018

INSURANCEJOURNAL.COM

JEFF, DRUNK DRIVER/PUGGLE ENTHUSIAST Your insured is complicated, which is why we make getting them a standalone personal umbrella so simple. Because a DUI doesn’t always fit into a package, you can answer just 4 questions for a $5 million policy that works with their existing coverage. Available online 24/7 from an Admitted carrier, rated A+ XV by A.M. Best.

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Family-owned and operated. Proudly dog-friendly. Available nationally. Underwriting criteria varies by state. Visit us online for guideLines. California Insurance License 0D08438.

A.M. Best rating effective August 2018. For the latest rating, visit ambest.com.

Expect big things in workers’ compensation. Most classes approved, nationwide. It pays to get a quote from Applied.® For information call (877) 234-4450 or visit auw.com/us. Follow us at bigdoghq.com. ©2018 Applied Underwriters, Inc., a Berkshire Hathaway company. Rated A+ (Superior) by A.M. Best.

Insurance plans protected U.S. Patent No. 7,908,157.