Insurance Journal West 2023-01-23

throughout the sales process. We offer superior products that employers love, like payroll-plus-comp, and we make onboarding smooth and easy. When you or your clients call us, a real live person answers the phone. Simply put, you can expect a higher standard in everything we do.

Omaha National Underwriters, LLC is an MGA licensed to do business in the state of California. License No. 078229. “A” (Excellent) rated coverage through Omaha National Insurance Company, Preferred Professional Insurance Company, and/or Palomar Specialty Insurance Company.

Accepting large workers’ compensation risks. Most classes. All states, all areas, including New York City, Boston, and Chicago. Few capacity and concentration restrictions. Simpli ed nancial structure covers all exposures.

EXPECT THE WINNING DEAL ON LARGE WORKERS’ COMPENSATION. Call (877) 234-4450 or visit auw.com to get a quote.

The best is PROTECTION EXPERIENCE.

Underwriting courage takes practice.

For over 50 years, we’ve built a legacy of expertise and market leadership. From Main Street to Wall Street, we optimize solutions across an array of risks. Let’s talk.

lexingtoninsurance.com/2023

Lexington Insurance and Western World, both AIG companies, are U.S.-based surplus lines insurers. AIG is the marketing name for the worldwide property-casualty, life and retirement, and general insurance operations of American International Group, Inc. For additional information, please visit www.aig.com. Products and services are written or provided by subsidiaries or affiliates of American International Group, Inc. Not all products and services are available in every jurisdiction, and insurance coverage is governed by actual policy language. Certain products and services may be provided by independent third parties. Insurance products may be distributed through affiliated or unaffiliated entities. Surplus lines insurers do not generally participate in state guaranty funds and insureds are therefore not protected by such funds.

INTENDED FOR LICENSED SURPLUS LINES INSURANCE BROKERS ONLY.

Copyright © 2023 American International Group, Inc. All rights reserved.

Write the Editor: awells@insurancejournal.com

100 Years Young

his year marks the 100th anniversary of Insurance Journal’s flagship print magazine. While some say print is dead, we know better. We still love seeing words on paper, just as songwriters like to hear their lyrics sung. And, fortunately, apparently enough of you still like print, too. We hear you.

Insurance Journal launched its legacy some time in 1923. While the precise date of the magazine’s first issue remains a mystery, what Insurance Journal has become is no secret.

Songwriters: Peter W. Allen / Carole Bayer-sager

Everything Old Is New Again lyrics © Alley Music Corp., Trio Music Co., Inc., Irving Music Inc., Woolnough Music Inc

Insurance Journal’s mission has always been to deliver the most up-to-date property/casualty industry news and information. Since the day its first publication rolled off the presses, Insurance Journal’s print magazine has changed, matured and grown from a regional Southern California magazine to a national brand with five regional editions. The magazine offers targeted reporting on industry trends and insurance markets along with expert advice from coverage specialists and agency management advisers. Plus, insurance market directories, like this issue’s E&S Directory, to help connect independent agencies with the right market for their clients, and our exclusive reports including the Top 100 Agencies, Agency Salary Survey, Young Agents Survey and Best Agencies to Work For. This year, we’re adding two new reports: Top Agency Account Managers & CSRs in America and Best Wholesalers to Work For.

This century-old print magazine is now the grandparent of a business-to-business media family of print and digital offerings known as Wells Media Group. The family includes InsuranceJournal.com, which attracts the largest P/C insurance audience in the world — nearly one million page views per month. Also Carrier Management for P/C executives; Claims Journal for claims professionals; MyNewMarkets for brokers looking for markets; the Academy of Insurance for everyone who wants to learn; IJTV for those who enjoy, let’s call it, younger media.

Wells Media Group is always changing. It is now a 100% employee-owned organization. Those of us who now own Wells weren’t around 100 years ago but we still take pride in our 1923 roots, and are very proud to still be playing a role in the P/C insurance industry.

Of course, we would not have lasted even a year without you. Thank you for being there for us over the years. We hope to be around for you for another 100 years, at least, in print, online, video, even in the metaverse.

That’s worth singing about. We suggest, “Happy Birthday to You.”

Andrea Wells Vice President, Content

Chairman of the Board

Mark Wells | mwells@wellsmedia.com

Chief Executive Officer Joshua Carlson | jcarlson@insurancejournal.com

ADMINISTRATION / CIRCULATION

Chief Financial Officer

Mark Wooster | mwooster@wellsmedia.com

Circulation Manager Elizabeth Duffy | eduffy@wellsmedia.com

Staff Accountant Sarah Kersbergen | skersbergen@wellsmedia.com

EDITORIAL

V.P. of Content Andrea Wells | awells@insurancejournal.com

Executive Editor Emeritus Andrew Simpson | asimpson@wellsmedia.com

National Editor

Chad Hemenway | chemenway@insurancejournal.com

Southeast Editor William Rabb | wrabb@insurancejournal.com

South Central Editor/Midwest Editor

Ezra Amacher | eamacher@insurancejournal.com

West Editor Don Jergler | djergler@insurancejournal.com

International Editor

L.S. Howard | lhoward@insurancejournal.com

Assistant Editor Jahna Jacobson | jjacobson@insurancejournal.com

Content Editor Allen Laman | alaman@wellsmedia.com

Columnists & Contributors

Columnists: Chris Burand, Tony Caldwell, Mary Newgard, Bill Wilson

Contributors: Susanne Sclafane

SALES / MARKETING

Chief Marketing Officer

Julie Tinney | jtinney@insurancejournal.com

West Sales

Dena Kaplan | dkaplan@insurancejournal.com Romeo Valdez | rvaldez@insurancejournal.com

Kelly DeLaMora | kdelamora@wellsmedia.com

South Central Sales

Mindy Trammell | mtrammell@insurancejournal.com

Southeast and East Sales (except for NY, PA, CT) Howard Simkin | hsimkin@insurancejournal.com

Midwest Sales

Lisa Whalen | (800) 897-9965 x180

East Sales (NY, PA and CT only)

Dave Molchan | (800) 897-9965 x145

Advertising Coordinator

Erin Burns | eburns@insurancejournal.com

Insurance Markets Manager

Kristine Honey | khoney@insurancejournal.com

Sr. Sales & Marketing Coordinator Laura Roy | lroy@insurancejournal.com

Marketing Administrator Alberto Vazquez | avazquez@insurancejournal.com

Marketing Director Derence Walk | dwalk@insurancejournal.com

DESIGN / WEB / VIDEO

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

Web Team Lead Josh Whitlow | jwhitlow@insurancejournal.com

Ad Ops Specialist Jeff Cardrant | jcardrant@insurancejournal.com

Web Developer Terrance Woest | twoest@wellsmedia.com

Web Developer Jason Chipp | jchipp@wellsmedia.com

V.P. of New Media

Bobbie Dodge | bdodge@insurancejournal.com

Videographer/Editor Ashley Waldrop | awaldrop@insurancejournal.com

ACADEMY OF INSURANCE

Director Patrick Wraight | pwraight@ijacademy.com

Online Training Coordinator George Jack | gjack@ijacademy.com

SUBSCRIPTIONS: Call (855) 814-9547 or visit ijmag.com/subscribe Outside the US, call (847) 400-5951

Insurance Journal, The National Property/Casualty Magazine (ISSN: 00204714) is published 22 times annually by Wells Media Group, Inc., 3570 Camino del Rio North, Suite 100, 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 per special issue copy, $195 per year in the U.S., $295 per year all other countries.

DISCLAIMER: While the information in this publication is derived from sources believed reliable and is subject to reasonable care in preparation and editing, it is not intended to be legal, accounting, tax, technical or other professional advice. Readers are advised to consult competent professionals for application to their particular situation. Copyright 202 Wells Media Group, Inc. All Rights Reserved. Content may not be photocopied, reproduced or redistributed without written permission.

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

POSTMASTER: Send change of address form to Insurance Journal, Circulation Dept, PO Box 708, Northbrook, IL 60065-9967

ARTICLE REPRINTS: Contact (800) 897-9965 x125 or visit insurancejournal.com/reprints

TAnd do-on’t throw the past away You might need it some other rainy day

Dreams can come true again When everything old is new again When everything old i-is new-ew a-again

2022 M&A Activity Falls, But Still Could Rank as Second Highest On Record: Report

Berkshire Hathaway’s $11.6 billion acquisition of Alleghany Corp. was the largest insurance transaction in 2022 but insurance M&A activity dropped overall this year, according to an S&P Global Market Intelligence analysis.

As of the end of November, there were 685 deals involving insurance brokers and 105 among insurance underwriters, S&P Global Market Intelligence reported. In 2021 those totals were 1,150 and 184, respectively.

An analysis by insurance agency consulting firm Marshberry said the amount of mergers and acquisitions in the insurance industry dropped by more than 200 in 2022 but when all is said and done, the year could still be the second highest on record, following the record year in 2021. There were 708 M&A deals in 2002, down from 924 in 2021, according to Marshberry.

“When the dust settles and all deals are announced, it will likely be the second highest year on record behind 2021, eclipsing the 2020 total of 712 announced

transactions” even with record inflation, a slowing economy, labor shortages, and the Federal Reserve raising interest, Marshberry said.

S&P said the number of deals in the property and casualty, multiline sector, as well as the aggregate transaction value, fell sharply in 2022. A total number of 61 deals were announced in 2022 with an aggregate transaction value of $1.2 billion. In 2021, 81 deals were announced with an aggregate transaction value totaling $12.8 billion.

Eleven of the 15 largest insurance deals of 2022 were announced during the first half of the year and eight of the deals targeted insurance brokers.

The second largest insurance deal of 2022 was Brown & Brown Inc.’s acquisition of Global Risk Partners Ltd. The $1.8 billion deal was finalized in July and since being acquired, Global Risk Partners has made acquisitions of its own, purchasing UK-based commercial insurance broker CC Flint and Co. The terms of the acquisition were not disclosed.

One of the largest insurance transactions announced in 2022’s second quarter was White Mountains Insurance Group Ltd.’s deal to sell NSM Insurance Group LLC to The Carlyle Group Inc. in a transaction valued at about $1.8 billion. Disclosed in May, the deal closed in August.

According to Marshberry, more than 74% (525) of deals in 2022 were backed by private capital buyers. Independent agencies accounted for 83 M&A transactions.

Marshberry said the top 10 most active buyers accounted for 345 of the 708 transactions (48.7%), while the top three — Acrisure, Hub International Limited, and Peter C. Foy & Associates Insurance Services — accounted for 19.8% of total transactions last year.

Marshberry added that valuations in the insurance distribution sector for 2022 were “still very strong” and, looking ahead, the firm said there are “lots of firms looking to invest in this space and valuations continue to remain high, despite a leveling playing field and rising cost of debt.”

youryourfreedom future

Before Smart Choice was established, for smaller independent agents being “independent” also meant being hopelessly isolated. Getting appointments with the top-tier carriers was nearly impossible, which meant you didn’t have access to the more lucrative insurance buyers. You couldn’t nd options for the best coverage for your clients across multiple carriers, which made you non-competitive. at’s why we created Smart Choice – to give agents the freedom to succeed.

Fast-forward to 28 years later and Smart Choice…

•Is the fastest growing insurance network

•Is the only no-fee program of its kind

•Has over 100 carrier partners

•Has partnered with over 9,000 agents

With Smart Choice, agents own what they already have plus everything they write in the future. Independent insurance agents that partner with us include scratch agencies, former dedicated agents, multi-o ce and agencies looking to acquire and grow.

www.smartchoiceagents.com | 888.264.3388

The number of tornadoes produced by severe weather in Illinois on Jan. 3, the largest number of rare January tornadoes recorded in the state since 1989, the National Weather Service said. Five of the tornadoes occurred in central Illinois in or around the city of Decatur, while the sixth touched down near the Ford County community of Gibson City.

Figures

$4OOK

That’s how much the owner of a Washington framing company has been fined for allegedly allowing crew members to work high above the ground without fall protection, according to the state Department of Labor and Industries. Genesis Framing Construction owner Cecilio Solorio was fined for nine violations.

$5.4 Billion

The estimated insured damage from Winter Storm Elliot, according to modeler Karen Clark & Co (KCC). The storm affected 42 states from Dec. 21 to Dec. 24 with below freezing temperatures, high winds, and snow — including more than 40 inches in Buffalo, New York. Commercial losses will make up about 50% of the projected insured losses. The most impacted states were Texas, Georgia, Tennessee, North Carolina and New York, KCC said.

$9.5 Million

The amount Google will pay the District of Columbia to resolve allegations that it deceived and manipulated consumers to gain access to their location data, and made it nearly impossible for users to stop their location from being tracked. Google also agreed to changes in the way it informs users how user location data is collected, stored and used, according to outgoing DC Attorney General Karl A. Racine.

Declarations

Maritime Liability

“This is an important change, inspired by the families of the 34 precious lives lost on the Conception in 2019, that will ensure families of future maritime disasters do not face the same antiquated laws when seeking the support they deserve.”

— U.S. Rep Salud Carbajal was behind the push to change maritime liability rules for accident victims and their families in response to a 2019 boat fire off the coast of Southern California that killed 34 people.

Net Zero Goals

“As the severity of hurricanes, tornadoes and wildfires has increased, the negative impacts on customers, shareholders and society have also grown. To supplement our short-term remediation initiatives, we are making net zero emissions commitments that are tangible and reasonable.”

— Said Tom Wilson, Allstate’s chair, president and CEO, in a statement released by the company. Allstate plans to accomplish its 2030 net zero goals by reducing the emissions and square footage of its offices, purchasing renewable energy where possible, working to reduce emissions of suppliers, and removing the impact of remaining real estate through the limited purchase of credible carbon offsets where available.

Aggressive Driving

“We find that drivers are more aggressive. They’re in a hurry to get where they’re going. They’re only thinking of themselves, and not others on the road.”

— Lauren Stewart, director of the Maine Bureau of Highway Safety, comments on the high number of highway fatalities the state experienced last year. The unofficial number of highway deaths stood at 177 at the end of 2022, making it the worst year since 2007, when 183 people died.

Tremendous Job

“The berm did tremendous. ... It really did do its job. ... It does stink that it only lasted a couple of months, but that was what it was designed for.”

— Stephen Hammond, a coastal environmental project manager for Florida’s St. Johns County, comments on the success of an “emergency berm” built under a FEMA Dune Enhancement Project aimed at defending the shoreline on a temporary basis. While it was only designed to handle common problems like the bad weather that engineers label a “five-year storm,” Hammond said the work prevented a lot of beach losses by absorbing eroding waves from both Ian and Nicole.

Blocking TikTok

“At the very least, the company owes consumers the truth about the age-appropriateness of its content and the insecurity of the data it collects on users.”

— Indiana Attorney General Todd Rokita said in a news release after filing suit against TikTok, claiming the video-sharing platform misleads its users, particularly children, about the level of inappropriate content and security of consumer information. The Indiana Office of Technology blocked the Chineseowned social media app from state devices on the same day Rokita filed his complaint.

Gulf Helicopter Crash

“We extend our sincere condolences to the families and friends of the pilot and passengers on board the aircraft.”

— Read a statement from Rotorcraft Leasing Company, Walter Oil & Gas Corp. and Island Operating Co., after the bodies of all four people who were aboard a helicopter that crashed into the Gulf of Mexico while departing an oil platform were recovered in early January. The companies said they would “continue to cooperate fully with the agencies investigating this tragic incident including the National Transportation Safety Board (NTSB) and the Bureau of Safety and Environmental Enforcement.”

Not Time to Celebrate but Commercial Insurance Rates Are Stabilizing

By Susanne Sclafane

With last year’s 25% rate hikes for public directors and officers liability insurance dropping to 2.5%, and 150% hikes for cyber cover sinking to 25%, significant softening is forecast for some casualty lines in 2023.

Those reduced price hikes are the high-end rate changes included in the latest Insurance Marketplace Realities Report, published by global broker and advisory firm WTW in early December. On the low end, public D&O insurance buyers could see rates actually drop as much as 7.5%, and cyber insurance buyers might experience flat renewals, the report says.

WTW experts said it’s not time to start celebrating a soft market, but they are predicting lower percentage increases across most lines of commercial insurance after several years of steady price jumps.

“We are finally seeing rates that are more closely aligned with clients’ specific risk profiles, a promising trend for buyers as we head into 2023,” said Jon Drummond, WTW Head of Broking, North America, in a media statement about the report.

“The long curve — the larger trend — has begun to bend in a positive way for commercial insurance buyers,” the statement said, noting, however, that macroeconomic factors — inflation, the Russia/ Ukraine conflict, persisting supply chain challenges, and a volatile interest-rate

environment as factors — will continue exerting upward pressure on commercial insurance rates into 2023.

Notably, WTW is forecasting that property insurance buyers with catastrophe-free loss experience, who might have seen rate hikes in the low single-digits — or even flat renewals — in early 2022, are going to see double-digit price jumps in 2023.

“Property insurers have rekindled their tenacity to drive rate. This retrenchment is not solely driven by inflation but also by the continuing procession of loss events pushed by the extremes of weather,” the report says, highlighting the impacts of Hurricane Ian. Although losses from Ian were heavier on the personal lines side of the P/C insurance business, “the commercial response has been swift and dramatic,” WTW reports.

“With retail insurers making immediate adjustments to catastrophe capacity and rate, reinsurers are telegraphing grim renewal conditions for 2023, which would compound the rate and structural pressures we experience today,” the report says, also highlighting wildfire as a growing concern for insurers and reinsurers.

“While the grip of the hard market is loosening, buyers are not yet free from it,” the report notes.

Key takeaways from the report include:

D&O

• Increased capacity from newer market entrants and an improved securities litigation environment are combining to drive more competitive market dynamics.

• Newer markets initially provided rate relief isolated to the excess layers, several carriers are providing alternative primary competition now as they seek growth.

Cyber

• An increased level of competition from cyber

underwriters has meant small rate increases for buyers that can demonstrate good cyber security controls year over year.

• Although many carriers are starting to communicate that they are open to putting up more capacity for certain risks, WTW brokers say they are still waiting for this to become a reality.

• Still, there are “real signs of strong competition among markets,” with brokers reportedly receiving two to three quotes for certain risks.

• “Incumbents are eager to retain business.”

Property Insurance

• Premium increases for most insureds will be driven by inflationary construction costs, heightened reinsurance pressures and possible catastrophe capacity constriction.

• In addition, valuation of assets will be the key topic of conversation in 2023, with insurers becoming very focused on ensuring that valuations are correct.

Casualty Insurance

• Workers’ compensation continues to provide underwriting profit to carriers.

• Forever chemicals, PFAS/PFOA and others, are driving underwriting concerns — and questions from underwriters, as well as potential limitations of coverage across a wide array of businesses.

• Auto liability continues to be a driving force behind the unprofitability of casualty insurers.

Property Reinsurance

WTW offers these estimates of reinsurance rate changes

• Property fac: +5% to +15%

• Property cat (occurrence): +5% to +20% (loss free), +20% to +40% (loss impacted)

• Property cat (aggregate): +10% to +20% (loss free), +20% to +40% or more (loss impacted)

• Property risk: +5% to +10% (loss free), +10 to +25% (loss impacted).

When it comes to tough accounts THINK UFG SPECIALTY

UFG Specialty is a growing company with an appetite to match. Whether it’s building partnerships or providing excellent service in the evolving excess and surplus marketplace, we adapt to meet our brokers where they need us most.

We pride ourselves on being a responsive carrier with the underwriting expertise to provide innovative solutions for complex risks.

At UFG Specialty, we want your tough accounts. For more information, visit ufgspecialty.com.

Business Moves

benefits coverages to clients throughout Texas and the surrounding region.

Peter Lauve, Steve Senter and their partners and associates will remain in their current location under the direction of Bret VanderVoort, head of Gallagher’s South Central retail property/casualty brokerage operations.

Cadence Insurance, Warriner & Associates

Cadence Insurance Inc. has acquired certain assets of Houston, Texas-based Warriner & Associates Insurance Services Inc. and Warriner Solutions LLC.

East

Marsh McLennan, HMS Insurance

Marsh McLennan Agency, a subsidiary of global insurance broker Marsh, acquired Hunt Valley, Maryland-based HMS Insurance Associates Inc.

Founded in 1943, HMS provides businesses and individuals in the Mid-Atlantic region with property/casualty insurance, surety, group captive, and employee benefits.

HMS’ more than 120 employees, including President Gary L. Berger, will join MMA and continue to work out of the Hunt Valley office.

MMA has 170 offices across North America.

MagMutual, MDAdvantage

Atlanta-based physician insurer MagMutual Insurance Co. completed its acquisition of MDAdvantage Insurance Co. of New Jersey. The deal received final corporate approval and regulatory approval by the New Jersey Department of Banking and Insurance in December.

MDAdvantage will remain in New Jersey, serving as a hub in the Northeast, and it will write insurance under its current name. Current management and front-end operations are expected to remain in place.

In addition to New Jersey, MDAdvantage also writes in nine additional East Coast states from West Virginia to Massachusetts.

Hilb, OceanPoint Insurance

National broker The Hilb Group has acquired Rhode Island-based OceanPoint

Insurance. OceanPoint is based in Middletown, and has additional offices in Barrington, Coventry and Tiverton.

The independent agency has been serving the southeastern New England community for more than 150 years. The agency provides commercial and personal property/casualty products, as well as employee benefits.

Agency principal Doug Mayhew and his team of insurance professionals will join the Hilb Group’s New England regional operations.

The Hilb Group is headquartered in Richmond, Virginia.

Midwest

Arthur J. Gallagher & Co., ROC Group

Arthur J. Gallagher & Co. has acquired the Chicago-based ROC Group. Founded in 1998, ROC Group is an employee communication agency specializing in human resources and enterprise change solutions for clients across the United States.

Jan Burnham and her team will join Gallagher’s employee benefits consulting and brokerage operations under the direction of Ben Reynolds, global managing director, Employee Experience and Communication Practice.

South Central

Arthur J. Gallagher, CBS Insurance

Arthur J. Gallagher & Co. acquired Abilene, Texas-based CBS Insurance LLP.

CBS Insurance is a retail insurance agency providing property/casualty and health/

With roots tracing back to 1992, Warriner & Associates provides specialized insurance coverage and consulting for the forhire commercial trucking, transportation and logistics industry.

Warriner Solutions provides consulting services in the areas of transportation operations, safety, compliance and executive leadership.

Southeast

Risk Strategies, Worldwide Assurance

Risk Strategies, a national specialty insurance brokerage and risk management firm, acquired Miami-based Worldwide Assurance Inc., a retail life, health and benefits agency.

Worldwide offers medical and dental plans, long-term care insurance, group term and variable life insurance.

Hub, Chatham Insurance Partners

Hub International acquired Georgiabased Chatham Insurance Partners.

Headquartered in Savannah, the Chatham agency focuses on specialty lines, including hospitality, medical offices, professional liability, contractors, manufacturing and other property insurance.

The Chatham team, which includes Greg Sedlock, Jay Rowe, Eric Horton, Hurley Ryan, Tim Blanco and Jamie Hamrick, will join Hub’s Gulf South operations.

Higginbotham, Burkholder

Higginbotham, a national insurance broker based in Texas, has acquired

Burkholder Insurance Inc. in Mobile, Alabama.

The Burkholder agency opened in 1951 and focuses on property/casualty insurance. Paul Burkholder III was named a managing director and will continue overseeing the Burkholder operations.

Risk Strategies, Statewide Condominium Insurance

Boston-based broker Risk Strategies acquired Statewide Condominium Insurance, a Vero Beach, Florida, retail broker focused on the condominium and apartment complex sectors.

Founded in 1996, Statewide specializes in serving condominium operators and home-owners associations throughout the state, offering property, wind, flood, general liability, professional liability, and umbrella coverages.

Hilb, Gillman Insurance

The Hilb Group acquired Georgia-based

Gillman Insurance Problem Solvers.

Headquartered in Alpharetta, Gillman has served the Atlanta area since 1993. Its affiliates, APA Insurance Services and 3G Truckin Insurance, offer products across the country.

Principal Ed Gillman will become part of Hilb’s Southeast regional operations.

Patriot Growth

Patriot Growth Insurance Services has signed four Florida agencies to the team.

Metropolitan Insurance Services, Mendez Insurance, Gilliland Insurance Group and Sandsprit Insurance provide property/casualty insurance, and Metropolitan also offers commercial transportation risk protection.

They will now be part of Patriot’s Shapiro Insurance Group, which includes 13 other agencies.

Oakbridge, NorthShore Insurance

Oakbridge Insurance Agency acquired NorthShore Insurance in Chattanooga,

Tennessee. NorthShore offers a range of products for wealthy clients.

NorthShore principal Vickie Champion and company will be part of the Oakbridge team.

First Florida, King Insurance

First Florida Insurance Network, based in Palm Coast, is now a part of the King Insurance Partners team.

First Florida is a full-service commercial and personal lines insurance agency founded in 2003.

West

Johnson & Johnson, Statewide Insurance

South Carolina-based managing general agent, Johnson & Johnson, has acquired the assets of Statewide Insurance Corp. in Arizona.

Statewide Insurance Corp. serves clients across the Southwest, writing specialty and preferred commercial insurance, as well as personal lines insurance.

Bring on the Future

When things get rough, it becomes easier to see what’s important. For us, it is relationships.

Before insurance can be about handling risks, it has to be about relationships. Without partners you trust and clients who trust you, the insurance business is just too risky.

To all our carriers, partners and clients, it is because of you we can say:

Bring on the future.

We’ll cover it.

National

Nationwide named Tony Beal as the new leader of the Nationwide National Partners team, responsible for managing key property/ casualty distribution partner relationships. Before joining Nationwide, Beal was a senior vice president and P/C market relationship leader at Wells Fargo.

Acrisure appointed eight new members to its insurance leadership team. The updated Acrisure Insurance Leadership team includes:

Matthew Kirk, president, North America, retail. Kirk joined Acrisure in 2022 from The Hartford and has an expanded role focused on organic growth, a total client offering, sales acceleration and talent development infrastructure.

Andy Schutt, head of global insurance operations. A former partner, Schutt is focused on leading the operational infrastructure, management and financial reporting associated with Acrisure’s Insurance division.

Bob Arowood, president, North America, P/C wholesale. Arowood joined Acrisure earlier in the year via its acquisition of Appalachian Underwriters, where he served as CEO. He leads Acrisure’s wholesale effort in North America.

Steve Brown, head of private risk advisors. Brown joined Acrisure via its acquisition of Hoffman Brown in late 2021. In this role, he leads Acrisure’s strategy and planning in the high net worth segment.

Jason Howard, president, international. Howard is responsible for Acrisure’s growing international business in the U.K., Canada, Netherlands, Italy, Spain, Brazil and Bermuda. He joined Acrisure via its acquisition of Beach & Associates, now Acrisure Re.

Seth Denson, head of employee benefits. Denson joined Acrisure in 2019 via its acquisition of GDP Advisors.

Mike Natalizio, head of Partner Engagement and Transformation. Natalizio joined Acrisure as CEO of HNI Risk Services, acquired by Acrisure in 2019.

EMC Insurance Companies named Eduard Pulkstenis senior vice president – chief underwriting officer. He joins EMC with over three decades of experience at carriers, including Selective, The Hartford and AIG, and several insurance startups he helped found or launch.

Most recently, Pulkstenis served as co-founder and chief underwriting officer for Joyn Insurance Services Inc. He serves on the National Alliance for Education and Research board of directors. He is also a licensed insurance producer for property, casualty and surplus lines in 48 states.

Cover Whale Insurance Solutions Inc. added Carly Levin as chief strategy officer and Niv Ben-Dor as vice president of product.

Levin joins New York, New York-based Cover Whale from J.P. Morgan. She brings over

15 years of experience as a data-driven leader across the spectrum of banking transactions and initiatives.

Ben-Dor brings over 16 years of experience to his new role. He previously served as vice president of product and monetization at Content IQ.

East

Plymouth Rock Home Assurance Corp. appointed Peter Bishop vice president and chief marketing officer.

Bishop joins Boston, Massachusetts-based Plymouth Rock from EverQuote. He will be responsible for the direct-to-consumer, agent, and partner marketing teams that sell Plymouth Rock’s homeowners insurance.

Newport Beach, Californiabased Alliant Insurance Services hired Jeffrey Gada as executive vice president in its Red Bank, New Jersey, office.

Before joining Alliant, Gada was vice president at New Jersey-based Wharton, Lyon & Lyon, an insurance brokerage and consulting firm. Over his 35-plus-year career, he has worked with a range of clients.

Midwest

Powers Insurance & Risk Management, headquartered in St. Louis, Missouri, hired Rachel Poteet as commercial account manager.

Her responsibilities include acquiring new busi-

ness, as well as managing current sales and comprehensive service for existing clientele. Prior to joining Powers, Poteet provided account management services for a local insurance agency. Poteet has a property/ casualty license.

Powers also hired Scott Reed as a producer. His responsibilities include generating leads, developing new accounts, and handling existing property and casualty marketplace accounts.

Before joining Powers, Reed was the owner of insurance agencies in Austin, Texas, and Denver, Colorado.

South Central

United Fire Group Inc. (UFG), based in Cedar Rapids, Iowa, named Diane Hirtz the new branch manager for its Houston, Texas, office.

Hirtz brings more than 25 years of diverse insurance experience to UFG, including an extensive leadership background in underwriting and marketing with Chubb Insurance in Houston.

UFG’s Houston office in Houston serves approximately 240 agency partners throughout Texas, Louisiana and Oklahoma.

Full-service retail insurance broker, McGriff, promoted Arkansas sales leader Taylor Mitcham to area managing executive for the state.

Mitcham joined McGriff in 2004 as a commercial property and casualty producer before leaving in 2013 to join the Aon transportation team. He returned to McGriff in 2020.

Tony Beal

Eduard Pulkstenis

Rachel Poteet

Peter Bishop

Diane Hirtz

Jim Bishop has been promoted to division leader at Standard Lines Services, a division of Graham-Rogers Insurance, headquartered in Bartlesville, Oklahoma.

Bishop has extensive experience in commercial and personal lines with national carriers and surplus lines operations.

Southeast Neptune Flood Insurance, based in St. Petersburg, Florida, named Matthew Duffy chief risk officer. He previously was the firm’s director of risk management and internal audit.

Duffy, a certified internal auditor, financial risk manager and anti-money laundering specialist, has helped Neptune develop its artificial intelligence

engine, known as Triton, and helped build the company’s risk apparatus.

Ascendant Insurance Solutions, based in Coral Gables, Florida, named three new marketing representatives.

Jackie Cook, with more than 30 years of experience in commercial and personal lines insurance, will cover Florida’s west coast, central and northern territories.

Cook previously was territory manager for the Florida Association of Insurance Agents.

Carlos Peñate has been in the insurance industry for three decades, with national and regional carriers.

Maybel Breijo, with 25 years of insurance industry experi-

ence, started at an independent agency then moved to a regional carrier.

Property Insurance Corp. CEO Barry Gilway is ready to retire after almost 11 years at the helm.

Gilway has said he will step down some time before the 2023 regular session of the Legislature begins in March.

Citizens' board named Tim Cerio, the corporation’s general counsel, as interim CEO, to take the reins when Gilway departs.

West

Brigitte Hamilton has been named SAIF’s vice president of claims. Hamilton was previously director of business and software solutions on SAIF’s IT team.

SAIF is Oregon’s not-forprofit workers’ comp insurance company with offices throughout the state.

Hamilton has worked at SAIF for over 20 years, starting as an administrative assistant in claims.

Powers Insurance & Risk Management, headquartered in St. Louis, Missouri, hired Keith Goode as a Coloradobased, remote commercial risk manager.

Goode is responsible for generating leads, developing new business, and handling existing accounts in Colorado’s property and casualty marketplace.

Goode, who is based in Aspen, has more than 15 years of management and sales background.

Head north.

For over 40 years, NORTHFIELD, a Travelers company, has been a home to businesses that don’t fit into the standard lines marketplace.

Northfield offers coverage for hard-to-place business through our appointed Excess & Surplus Lines wholesalers. We provide the advantages that make a difference in quoting new business and winning it.

And as a Travelers company, our A++ rating* for financial strength and stability provides confidence and security – a difference few other carriers can match.

Idea Exchange: Agency Management

4 Rules to Guide Continued Agency Success and Growth

Very early in my career as an insurance producer with a commercial insurance agency, I had the opportunity to hear a speech by the famous sales coach Roger Sitkins. Though I don’t remember everything Roger talked about in his presentation, I do remember him describing something called “The Pareto Principle” and the power it held for rapid and sustained success in the insurance agency business. In my opinion, four principles are key

to continued stability, growth and success for independent insurance agency owners. They include the Pareto Principle, and three corollary principles of my own that call for saying “no” more than “yes,” understanding the value of your time, and holding a sense of optimism.

The Pareto Principle

By Tony Caldwell

In the early 20th century, Italian economist Vilfredo Pareto discovered that 80% of the land in Italy was owned by 20% of the population. He later learned that a similar distribution was true throughout much of the world. From this observation, came an understanding that is true in

business, as well as in agriculture: 80% of one’s results come from 20% of one’s clients or customers.

Sitkins advised agents should determine their own 80/20 distribution and then find a way to assign that 80% of customers to service people or newer producers in their agencies in order to continue building their books of business and their agencies.

I decided to take up the challenge and discovered the 80/20 rule was present in my book of business. I began a process of divesting myself of the 80% of my clients with the lowest commissions every year and found that, not only did my book of business grow, as did the agency, but also

the average commission for every account grew, as well. Those three areas of growth led to consistent double-digit growth in the agency over decades.

Consider putting the Pareto Principle in place in your agency.

First, run a commission list sorted from largest commission per account to smallest. Go down that list until you’ve hit 80% of the income. Find someone, a younger producer, a service person or another agency to take the bottom 80%. This will free up tremendous amounts of time allowing you to continue to grow your book of business or your agency at the rate that you’re accustomed to.

This prevents what many agencies experience as they grow larger, which is a falloff in their organic growth rate. Adopting this principle does require courage as you must accept some short-term pain in order to invest in a better future.

You may want to start small with one book of business in your agency to test the theory. That said, I have never seen the Pareto Principle fail when it comes to growing the business of an insurance agency.

Caldwell’s Corollary: Say ‘No’ More Than ‘Yes’

Related to the Pareto Principle is something I call Caldwell’s Corollary. The corollary posits that success has more to do with what you say “no” to than what you say “yes” to.

Creating limits would seem to logically reduce your potential for growth, but the opposite is actually true. Saying “no” requires you to focus, and focus is what creates expertise, as well as penetration in any market. This is one of the reasons that niche marketing works so well in the insurance agency business.

Over the years, I’ve hunted pheasant and quail with many other hunters. Hunters who seem to have trouble hitting their targets are those who rely on the shotgun’s essential feature of scattering shot over a large space to create success. What great hunters know is that you still must aim the shotgun carefully. The same is true in the insurance agency business. That said, this principle is difficult for many to act upon

because they believe when they say “no” to a potential client, potential insurance carrier or even a potential employee, they are limiting their future.

This perspective comes out of a worldview of scarcity where that individual sees everything in limited supply, but the truth is opposite of that. There are more clients in your market than you can ever sell to or service, and more carriers than you can competently represent. There are more skilled insurance professionals than you can ever employ. In short, opportunity is endless. The key to maximizing it is to aim carefully, say “no” to most, double down and say “yes” to those things that you can do really well.

A Second Corollary: Use Your Time Wisely

Another Caldwell Corollary for continued success is to recognize that your time has no value until you run out of it.

I’ve seen many agency owners say “yes” repeatedly to tasks because they figure they can just work another hour or two to accomplish it. They will even write much smaller accounts than their agency’s average because they have some extra time.

That strategy fails when you ultimately run out of time. When that happens, you are forced to determine what your time is worth, and then, if you want to continue to progress, you must only do those things that pay you more than you are currently making, not less.

A practical example of this is a question I often ask: If you have an average revenue per account of $1,000 and you have the opportunity to write one for $500, would you write it? Virtually, every agent I speak to says “yes.”

I believe that is the wrong answer. If you take on those lower value accounts, your average revenue per account will fall, perhaps to $800. Practiced long enough, you may not run out of business, but you’ll certainly fail to grow your income at the rate that you would if you said “no” and instead, focused your time and effort on accounts that paid $1,500 per account, for example.

Agents often argue there aren’t enough $1,500 accounts. The truth is: those accounts are limitless. It’s merely a deci-

sion around how you choose to spend your time. If your time is worth $100 an hour, the only way it can become worth $200 an hour is to raise the size of your accounts.

The Optimism Principle

The final business principle I want to mention today that I believe is critical to long-term sustained success is what I call the Optimism Principle.

Many people allow external factors, like the economic situation, to determine how they think about their own businesses future. People who do so would tell you that they’re merely being realistic.

To the contrary, I’ve observed that even when the stock market is in a bear market, there are many who are still making money investing in stocks. These individuals believe there’s always money to be made whether the market is good, bad, indifferent or going up, down or sideways. These people are essentially optimistic because they believe they can make money, create growth, become bigger and better irrespective of what’s going on around them.

This is exactly the same with insurance agency principals. Optimistic agents find a way to grow every year consistently and profitably regardless of the challenges they face.

The Right Strategy for You

There is much to learn and much to do in building a successful insurance agency, but paying attention to these four things: the Pareto Principle; saying “no” more than “yes;” understanding the value of your time; and the optimism principle are critically important to sustained success.

As we begin a new year in an economy presenting great challenges, including obstacles to the independent agency industry, now is a good time to review your thinking and mindset and that of your agency.

Which of these four rules will create the greatest opportunity for you in the coming year if you adopt it rigorously?

Caldwell is an author, speaker and mentor who has helped independent agents create over 250 independent insurance agencies. Website: www.tonycaldwell.net. Email: tonyc@oneagentsalliance.net.

Idea Exchange: Is It Covered?

Logic & Language and

Forms

& Facts Insurance Coverage and Television

Last month, insurance educator Chris Kendall, CPCU, ARM, et al., posted some results of a survey of 2,000 U.S. homeowners on LinkedIn. Conducted or commissioned by Goosehead Insurance Inc., one of the most revealing statistics was that 65% of policyholders agreed

By Bill Wilson

that they “have no idea what my home insurance fully covers.” This tracks with a similar survey conducted by Plymouth Rock Home Assurance in 2020 which found that about 70% of U.S. homeowners aren’t sure what their home insurance covers.

Why Is This?

I suspect that two of the primary reasons are, first, that insureds don’t read their pol-

icies and, second, the insurance industry speaks publicly far more often about price than coverage.

One only needs to consider the proliferation of “Save 15%!”-type advertising that dominates the media to confirm premise number two. This focus on price leads the public to believe that insurance is a commodity differentiated only by price, so why bother to read policies, because they all cover the same thing.

That said, I’ve noticed in recent years that insurers seem to be focusing their advertising more on coverage than in the past. In general, it’s a good thing to tell consumers in your television advertising that “Your cut-rate insurance may not pay for this.” The problem, though, is that all too often the coverage information is provided in the form of misinformation. To illustrate, consider the following examples.

Most recently, a holiday commercial featured on television had an actor posing as a rodent whose comical hijinks unleash mayhem in a home, resulting in extensive damage. While there may arguably be some coverage under the specific scenario presented by this commercial, consumers might be led to believe that ALL losses involving rodents are covered, when that is not the case.

The same insurer also had a commercial implying coverage for damage caused by raccoons. Their open perils policy appears to cover this but not their named perils policy. In the case of other insurers, if they are using a current ISO open perils homeowners form, there is an exclusion for damage resulting from infestation or secretion by animals.

This insurer has a more recent TV commercial where the principal actor is directing the parking of cars at an event for a $3 fee, resulting in damage to several of them. He says you may not have coverage if you have a cut-rate auto insurance policy, implying that the subject insurer’s policy does cover the parking of autos for a fee. In reviewing a copy of their auto policy I happen to have, however, I don’t see the coverage. In fact, there is an exclusion for losses arising from business operations involving the parking of vehicles.

In another commercial by this insurer,

a sports referee trying to escape an angry mob deliberately drives his auto through fences, shrubs, etc. His auto policy covers damage arising from “accidents.” Is the damage he caused truly accidental?

Maybe. Maybe not. But one would think the insurer and advertising agency could come up with a better example of coverage relative to “cut-rate” policies.

Another insurer that, to its credit, also focuses its TV advertising on coverage has a commercial where a gopher “steals” a diamond ring from a picnicking human to give to his gopher fiancé. The commercial indicates that this was an actual claim covered by the insurer on April 26, 2014. Based on my own portfolio of homeowners forms, this insurer has forms that clearly do not cover this type of loss. Most policies either exclude loss caused by rodents or, if they cover theft without such an exclusion, courts have pretty consistently found that animals can’t “steal” property.

This insurer has a couple of other animal commercials, one involving dogs that cause a fire and another where dogs open a sink faucet, resulting in extensive water damage to a home. The policies of this insurer that I have reviewed exclude damage caused directly “or indirectly” by domestic animals. While it’s possible that these claims could be covered, depending on specific circumstances and any governing statutory or case law, again the possible implication is that damage caused by dogs you own or keep is covered when this is usually not true.

Last year, someone on LinkedIn posted a link to an insurer’s TV commercial that involved drag racing. The commercial has apparently been removed from YouTube, thankfully, since consumers could easily presume that auto policies cover racing when, in fact, they universally exclude various forms of racing unless such exclusions are prohibited by regulators.

While most insurer TV commercials focus on personal lines, those that address commercial exposures all too often don’t fair any better when it comes to coverage accuracy. For example, one insurer that was advertising their entry into commercial lines illustrated coverage under their CGL policy by showing a worker dropping

and breaking a glass window during installation. The ISO CGL policy that this insurer was allegedly using has at least three exclusions that could apply to the damage.

… all too often the coverage information is provided in the form of misinformation.

The same carrier, advertising that they now offer workers’ compensation insurance explained that, “Workers’ comp helps you pay for a replacement” worker for an injured worker. What?

Aside from misleading the public, this brings me to the main point of this month’s column. Do insurance company marketing and advertising departments ever consult with their claims departments before signing off on advertisements that feature policy coverages offered by the insurer? Do insurance company underwriters or

claims reps who know the products their employer is selling ever advise the home office that their current TV commercial might mislead their insureds into believing they have coverage for something they don’t?

Would a court find coverage for a claim clearly not covered based on policy language but arguably covered based on misleading advertising an insured allegedly relied on when purchasing the product? Perhaps not, given that so many courts often view advertising, especially slogans and assertions, as “puffery.” But it’s conceivable that regulators could have a problem with it.

Tune in next month when I discuss these coverage issues.

Wilson, CPCU, ARM, AIM, AAM is the founder and CEO of InsuranceCommentary.com and the author of seven books, including “When Words Collide…Resolving Insurance Coverage and Claims Disputes.” He can be reached at Bill@InsuranceCommentary.com.

Special Report: Specialty Market

The Pickleball Explosion Comes with Opportunity,

Challenges

it harder to find agents who want to service the policies.

And, of course, there’s property and liability insurance for the stand-alone pickleball clubs that are springing up across the land. The clubs need a lot of space and some special endorsements. With more than 5,000 square feet of indoor area, plus liquor liability for clubs that serve alcohol, along with other bells and whistles, premiums can be enormous for some of the clubs, Pollak said.

It can come as a surprise to developers and owners.

“From an insurance standpoint, the biggest thing, in my opinion, is controlling the alcohol around it, controlling the alcohol use before and after participation,” he noted.

He declined to name the carriers that will write the clubs but said, “It can be done in a cost-effective manner.”

By William Rabb

If the insurance industry hasn’t noticed, the sport known as pickleball is exploding across the country.

In the last three years, the number of players has jumped by more than 40%, by some measures. In Minnesota, some 600 courts are slated to be built by the end of 2023, according to news reports. In Florida, more than 15 indoor clubs, replete with air conditioning, cafes, locker rooms, video training and other amenities are planned or are under construction.

The growth brings new opportunities but some tricky challenges for carriers, insurance agents and property developers.

The sport, which is something like tennis but with smaller courts, more players and less running around, is still so new that some insurance carriers are leery. Major international insurers, such as Chubb, which often write high-end properties and tennis clubs, won’t touch it, said Shawn Munns, an insurance agent who helped Florida-based The Pickleball Club secure liability, workers’ compensation and construction coverage on some clubs while they’re being built in Florida.

Even with the issues that may stem from the sport’s phenomenal growth nationwide, pickleball has attracted at least a few carriers and agents.

“There are ways to do it

correctly,” said Brett Pollak, president of Insurance Allies, a Chicago-based agency that specializes in the entertainment industry and includes Pickleballinsurance.com.

Pollak is familiar with rapidly growing, potentially injurious activities that need insurance. He said his team started as one of the first to write coverage for axe-throwing clubs (which often mix alcohol sales with hurling axes at targets). The axe clubs have grown just as quickly as pickleball sites in the United States.

He pointed out that pickleball insurance has an extra dimension: Thousands of camps, instructors and tournaments now need liability coverage — but not much. That keeps premiums low but makes

In some places, like Florida, though, “it’s tougher to get companies that want to provide proper policies.”

Munns, who is with CoWest of the Rockies Insurance Group, based in Denver, noted that “pickleball is less strenuous and less risky than tennis, but it has an older age group that plays it, so a lot of carriers have shied away from it.”

Despite the caveats, the concept of all-inclusive pickleball complexes has proven so popular that Munns became an investor in the clubs in Florida. The developers, including co-founder Matt Gordon, are set to spend $180 million over the next few years to build the clubs. And despite two recent hurricanes in Florida and concerns from other property

Special Report: Specialty Market

developers that soaring premiums in the state are proving too much for some south Florida projects, Gordon’s team seems unfazed.

“We’re building to Miami-Dade standards, so it would take a Cat 4+ direct hit to really cause us some harm,” Gordon told Insurance Journal. “I’m sure our friendly insurance carriers will use the storms as an opportunity to increase rates. They always do.”

The real sticker shock on property insurance premiums may come once the clubs are completed. “Property coverage is going to skyrocket for them now and will be tougher to write. But general liability will stay the same as that risk has not increased at all,” Munns said after Hurricanes Ian and Nicole plowed through parts of Florida in late September and early November.

“Florida is significantly more expensive than anywhere else in the country,” Pollak added.

Gordon, an attorney and investment banker, teamed up with commercial real estate investors and entrepreneurs Brian and Valerie McCarthy of Sarasota to launch the ambitious pickleball club plans. Brian McCarthy, a former U.S. Navy rear admiral, and Valerie McCarthy were instrumental in creating one of Florida’s first pickleball academies, more than two years ago in Sarasota, according to news reports. The Pickleball Club has more than 47 shareholders, it said in a September news release.

Gordon said when the team initially tried to find liability and other insurance for the clubs, from Florida and regional insurers, the cost was staggering. He had previously worked with Munns on other projects and finally reached out to him and CoWest. Through a number of

carriers, Munns was eventually able to find coverage at about 70% of the cost that some insurers had quoted to Gordon. “It did take quite a while to find a carrier,” Munns said. One of the planned clubs also needs flood insurance, he noted.

The first of The Pickleball Clubs is being built in Lakewood Ranch, northeast of Sarasota. When completed, it will offer 12 indoor courts, two outdoor courts, a shop, a dining facility and food trucks. Another is planned in nearby Bonita Springs, with 14 courts. Other sites are planned for Port St. Lucie, Fort Myers and other parts of the state.

As storms and rainfall are predicted to increase, along with soaring temperatures in Florida, the word “indoor” is key to the clubs’ success, Gordon said.

“Climate change has not hurt our business model,” he noted.

Pickleball has been around since the 1960s, according to the International Federation of Pickelball. But only in the last decade or so has it gone viral. An estimated 5 million people now play the sport — up 50% in the last three years. Three new venues are opening every day in the United States, the Washington Post reported.

The largest age demographic is 65 and older, but the 35 to 44 age group is close behind, the Sports and Fitness Industry Association told the Post.

The phenomenal growth of facilities and courts has led to some friction with diehard tennis players, who argue that picklers are taking over their spaces.

Tennis courts can be easily converted to pickleball, but the new stripes can make it difficult for tennis players, some have said.

Despite that, the less-strenuous but still high-aerobic pickleball appears to be the future, fans say.

“Pickleball is the fastest growing sport nationwide with no signs of slowing down,” said Gordon. “We plan on being the market leader during this all-important land-grab phase of the industry, given the tremendous demand for indoor court space.”

Cameraman Hurt on New Mexico Film Set Gets $66M in Lawsuit

ALos Angeles cameraman who suffered a spinal cord injury while on a New Mexico movie set has been awarded more than $66 million in a lawsuit, among the largest settlements in the state’s history, a news outlet reported.

The Santa Fe New Mexican quoted Jame Razo as saying that the jury’s decision was “a huge emotional relief.”

“I can finally begin my healing journey,” he said in a phone interview, the newspaper reported.

The 55-year-old was a cameraman on the set of “Only the Brave,” a film about elite firefighters starring Josh Brolin and Jeff Bridges, in June 2016. He was driving a mobile camera crane unit, which weighs over 3,000 pounds when fully loaded, up a steep road on Pajarito Mountain in the Pajarito Ski Area near Los Alamos, when the unit tipped over and fell on him, the newspaper reported.

Razo suffered crush injuries that left several areas of his body severely damaged. Since then, he has had over 1,000 medical appointments and nearly a dozen surgeries, according to the report.

In the suit, Razo says producers were negligent by denying him time to scout the terrain first or install tank treads on the vehicle.

It took a jury four hours to decide that Razo should receive $24.6 million in damages and his wife $6 million. In addition, production companies Black Label Media and No Exit Film are liable for $27 million and $9 million in punitive damages, respectively.

Attorneys for the California-based production companies did not respond to messages from the newspaper seeking comment.

Copyright 2023 Associated Press. All rights reserved.

Washington AG Sues Plastic Surgery Provider for Fake Reviews

By Claire Rush

Washington state Attorney General Bob Ferguson has filed a lawsuit against a plastic surgery provider in the Seattle area over claims it misled patients and the public “through a multitude of unlawful, unfair and deceptive practices” by posting fake positive reviews online, and intimidating or bribing patients to remove negative reviews.

The lawsuit against Allure Esthetic and its owner, Dr. Javad Sajan, alleges that the company directed its employees to create fake email accounts in order to write and post fictitious positive reviews.

Allure also had more than 10,000 patients sign non-disclosure agreements before receiving treatment that restricted them from posting negative reviews online, the lawsuit alleges.

Allure threatened to sue patients if they refused to delete negative reviews, the lawsuit says. Other times, it offered patients cash and free services or products to take down negative reviews, according to the lawsuit.

“Threatening and bribing customers to prevent them from sharing the truth about their experience isn’t just wrong, it’s illegal,” Ferguson said in a news release. “Patients rely on reviews to determine if a healthcare provider is right for them, and using legal threats and bribes to manipulate those reviews is deceptive and harms Washingtonians.”

Allure performs surgical and non-surgical treatments ranging from Botox to gender-affirming procedures, the release said.

Allure didn’t immediately respond to an emailed request for comment. When called by an Associated Press reporter, a person answering the phone for the company hung up three times.

From 2017 to 2019, Allure had patients sign non-disclosure agreements that required them to contact the company with any concerns instead of posting about it online in a negative review. Allure considered anything under four stars a

negative review, according to the lawsuit.

Some patients said they weren’t informed of the agreement and didn’t know they had signed it, as it was given to them in a thick stack of pre-procedure paperwork that had to be completed before receiving treatment.

Victoria Hester said she made an appointment with Dr. Sajan in 2021 for a gender-affirming procedure based on positive reviews online. Speaking through tears at a news conference alongside Ferguson, Hester said the appointment ended up causing “long-lasting trauma,” describing the doctor’s examination of her body as “demeaning.” Sajan refused to perform the procedure, Hester said.

“I wrote a negative review because of the way he scrutinized my body and humiliated me in his office,” Hester said. Soon after, Allure called and threatened legal action.

“I had never heard of signing this NDA. And I had never known that a practice would require this, to try to keep people from sharing their experience,” Hester said. “I posted my negative review because I wanted other transgender and gender nonconforming patients to be aware of what I experienced.”

Hester said the office also refused her request to be reimbursed for the $100 deposit she paid.

From 2017 to 2019, Allure had patients sign a pre-service non-disclosure agreement requiring them to agree to pay

monetary damages if they refused to take down a negative review. The agreement also required patients to waive health privacy rights, stating they must allow the provider to include personal health information in responses to negative posts, the lawsuit alleges.

Allure updated the agreement’s language in 2019, but it still required patients to “reach a resolution” with the company instead of posting a negative review. The company used these “pre-service” NDAs until March 2022, according to the lawsuit.

Some patients who posted negative reviews were contacted by Allure with offers of cash or free services and products in exchange for removing their post. Patients who accepted the offer were then required to sign a second NDA obliging them to remove the review and refrain from posting negative reviews in the future, under threat of a $250,000 fine, the lawsuit alleges.

Allure began using this second “post-service” NDA in 2017. Ferguson said he believes the company is still using it.

Allure also directed employees to edit “before and after” photos to make the results of its procedures look more flattering, according to the lawsuit.

Ferguson filed the lawsuit in the U.S. District Court for the Western District of Washington.

Copyright 2023 Associated Press. All rights reserved.

Washington Contractor Fined $400K for Repeat Fall Protection Violations

The owner of a Washington state framing company is facing nearly $400,000 in fines for allegedly allowing crew members to work high above the ground without fall protection, according to the state Department of Labor and Industries.

Genesis Framing Construction owner

Cecilio Solorio faces the fines for nine violations, The Daily Herald reported. Solorio told the newspaper he will appeal.

Solorio has been cited and fined for the same violation 15 other times in the past, according to the Labor and Industries Department.

When the agency reviewed Snohomish-

based Genesis Framing’s inspection history, it found Solorio had previous willful and repeat fall protection violations for two other businesses he operates: Chilos Builders and Solorio’s Framing.

Thirty workers employed by those businesses were hurt from 2016 to 2020, the agency reported in 2020.

Inspectors who visited a worksite at a Seattle home in August found a worker using a handmade scaffold and another employee walking on a steep roof without fall protection while a foreman watched, among other problems, the agency said.

“Business owners like Mr. Solorio, who knowingly and repeatedly put workers at risk, are the reason Labor & Industries focuses greater scrutiny on severe and repeat violators,” said Craig Blackwood, assistant director for the agency’s Division of Occupational Safety and Health.

Copyright 2023 Associated Press. All rights reserved.

FEBRUARY - MARCH 2023

streamed live on February 15, 2023, at 11:00 AM PT.

Ben McKay, JD, MPA. Don’t miss out!

Featuring Keynote Speaker: Nancy Giordano

Streaming Live: 11 AM PT – 1 PM PT

David Kodama, Chief Industry and Regulatory Officer, will moderate a panel discussion about the growth of MGA/MGU and program business in the surplus line and specialty insurance industry. Jeff Mango, Managing Director, and Sridhar Manyem, Senior Director, from AM Best will discuss the rating agency’s Performance Assessment process for MGAs and market implications

Streaming Live: 10 AM PT – 11 AM PT

LEARN MORE

LEARN MORE

Spotlight: Reinsurance

January Renewals See Hardest Property-Catastrophe Reinsurance Rates in a Generation

By L.S. Howard

Aconvergence of global events has led to the hardest property catastrophe reinsurance market in a generation and a “complex,” “grueling” and “late” January renewal season, which went down to the wire, according to reports by brokers Gallagher and Howden Re.

The geopolitical and macroeconomic shocks that occurred during 2022 included the war in Ukraine, fractured energy markets, 40-year high inflation, interest rate hikes, depleted capital and Hurricane Ian, the second most expensive natural disaster. The result, said re/ insurance broker Howden, was the introduction of “significant volatility into the market” as well as massive reinsurance rate increases at the Jan. 1, 2023, renewals, which it described as the “hardest property-catastrophe reinsurance market in a generation.”

Howden said average global rate increases recorded at the renewals were 37%-plus for global property catastrophe (the biggest year-on-year increase at 1/1 since 1992); 45%-plus for direct and facultative business (a cumulative increase of 160% since 2017); 50%-plus for retrocessional cover (a cumulative increase of 165% since 2017) and 5%-plus for London market casualty reinsurance excess-of-loss rates (which reinsurers blamed on rising inflation and the prospect of higher claims severity).

Gallagher Re described the reinsurance renewal season process as tense, late, complex

and, in many cases, frustrating. The good news is that the renewals were “largely completed,” the broker affirmed.

“The two areas that saw the most capacity constraints were peak-zone U.S. property catastrophe capacity and coverage for strikes, riots & civil commotion and war,” Gallagher Re stated in its report, “1st View: Market Turns – January 2023.”

“In most other lines and regions, buyers have largely been able to source capacity, albeit at a higher cost and in many cases changed structures with an increase in attachment points and the raising of the ‘floor’ on minimum rateson-line, a key focus for many reinsurers,” the report said.

Howden’s report, “The Great Realignment,” highlighted the fact that dedicated reinsurance capital has eroded by 15.7% to $355 billion at year end 2022, the biggest reinsurance capital squeeze since 2008. The report noted that capital inflows in the months after Hurricane Ian were “negligible” compared to the amounts raised in the final months of 2001 and 2005 after Sept. 11 and Hurricane Katrina, respectively.

Howden explained that capital raises from incumbent carriers in 2022 were restricted as a result of heightened market uncertainty and higher financing costs. “Nor was there any meaningful reload from third-party capital investors, who were inclined to assess [Jan. 1] renewal outcomes before weighing potential deployment opportunities in 2023.”

Reinsurance buyers sought to secure additional top-end cover in response to rising insured values and more premium entering the market, but these demand-side pressures coincided with a severe capacity crunch, said Howden, explaining that capital — from both rated carriers and insurance linked securities (ILS) providers — either pulled back or only maintained allocations.

“The reinsurance sector has reached concurrent secular and cyclical tipping points,” said David Flandro, head of Analytics, Howden, in comments accompanying the report. “It is experiencing sustained, heightened loss activity and war risk just as the global economy exits the ‘great moderation’ of interest rates and asset price volatility.” He said: “The last time we saw this level of capital dislocation was during the 2008-2009 global financial crisis. At the same time, the sector is experiencing its most acute, cyclical price increases since the 2001-2006 period if not before.”

Reinsurance Buyer Complaints

Gallagher Re noted that several buyers complained that their efforts to approach markets early with more detailed renewal presentations to address reinsurers’ concerns

over inflation and coverage were not recognized. “Only a limited number of reinsurers were prepared to offer quotes in a timely fashion, leading to difficulties for clients and their brokers to find market clearing prices, terms, and conditions.”

In a press release, James Kent, global CEO, Gallagher Re, said: “The renewal process has been grueling for participants, many of whom have not faced such a rapid change in market conditions across a single renewal season.”

“Times of significant market change are always challenging to navigate but we have seen a significant difference in the ways that individual reinsurers have reacted despite a widespread stated ambition to grow premium volumes in what is being viewed as the best treaty underwriting terms and conditions for a generation,” Kent added.

Some “reached the end of the renewal season with reputations enhanced, exercising a firm, fair, transparent approach based on a commitment to their own view of pricing adequacy. Others who have acted less deftly may find sustaining long-term client relationships more challenging, especially once capital and competition rebuild in the global reinsurance market,” he said.

Idea Exchange: Ask the Insurance Recruiter

5 Tips to Kickstart 2023 Recruiting

Teamwork is everything when it comes to bringing in the best candidates. This might not sound revolutionary, but it is critical in today’s tough talent market. Knowing this, I’ve asked my partners to share some advice to kickstart your recruiting strategies in 2023. Here are five tips to consider.

Stay Positive

“Creating a positive candidate experience is so important. Even if you don’t have an opening, stay in touch with candidates who applied and/or interviewed that you didn’t hire. Document the process so you can find them and reach out when you do have that exciting role. To make this happen, you need a central figure within talent acquisition. You don’t want to rely on hiring managers because recruiting is just one part of their much bigger job. You need a project manager to keep your process consistent and in check.” - Amy Stuntz, CTS, Search Consultant

By Mary Newgard

dates see you in a positive light and say, “I could see myself being happy here.” Share pictures from vacations to highlight your PTO policy. Post about the baby shower you threw before your employee went on parental leave. Tag a company that catered an office lunch because you support local businesses. Create videos of home office tours to showcase your remote work flexibility. Show employees receiving new certificates because of your continuing ed investments.” - Sierra Palmer, Office and Brand

Manager

Communicate

“Communication is always the first thing that jumps out to me. That goes both ways. You expect open and honest dialogue from candidates about what they are looking for. The same holds true for companies. You want to be vulnerable. The interview process isn’t the time to keep things close to the vest. Allow access to hiring managers for healthy continued

Showcase Culture

“One thing I look for as a social media manager is how your company showcases culture. What are your employees doing in and out of the office? How do you create a positive work environment? You can only portray so much during an interview. Consistent, in-action content let’s candi-

dialogue with candidates. Don’t be afraid to share your hiring successes and failures. Talk about the reason for the opening. Explain what you’re really looking for in this role and don’t hold back.” - Chris Winterboer, CPC, RHU, Senior Partner

Put Candidates at Ease

“Five years ago, I interviewed for my first professional job. The experience felt like an interrogation. Last year, when I decided to make a job change, I was nervous to interview, expecting more of the same all over again. Thankfully, I found the dynamic had changed a lot. My interviews were more relaxed. A hiring manager who understands the pressure of interviewing makes all the difference to the job seeker. Use something as simple as humor to put people at ease. You’ll find candidates are less tense and have fewer trip ups, all of which leads to a much more successful interview for everyone.” - Jordan Hahn, Search Associate

and money, yet still finding themselves struggling to recruit and hire, have not taken the time to assess, diagnose, plan, and deploy an effective talent acquisition strategy. If you haven’t done this already, this is where you should begin. If you feel you have and continue to face talent acquisition challenges, you may need to bring in

someone from the outside to assist.” - Kris Gibson, CPC, Managing Partner

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.

Be Strategic

“We see many companies invest in talent acquisition and recruiting through personnel and tools, like job boards or applicant tracking systems. While recruiting and talent acquisition will always require an investment, the key is to deploy those resources in a strategically targeted way that meets your unique needs. Nearly every organization spending time

“We work with Nautilus because they are easy to do business with and rock solid in the marketplace. Other carriers may chase trends, but Nautilus is deliberate and stable, true to who they are, and how they work with agents.”

Kyle Stevens Group EVP, XPT President, WSS

Idea Exchange: The Competitive Advantage

A Great Opportunity

Agreat opportunity exists for those who want to make a difference in their communities, clients’ lives, and businesses on a professional level.

Insurance was created to protect people’s and businesses’ assets, i.e., to protect their balance sheets. When a house burns down, insurance is designed to provide the policyholder with the money to rebuild that asset. When someone is sued, insurance is designed to cover the suit. Otherwise, the policyholder would pay defense fees and the settlement out of their bank account, i.e., out of their savings, meaning they would lose some or all their assets. Insurance is 100% designed to protect assets.

an expense. An expense is an income statement item, never a balance sheet item. When people say, “Don’t sell price,” they mean do not sell insurance as if it is an expense.

By Chris Burand

Insurance is a trade-off between an expense and asset protection. It is the perfect example of double entry bookkeeping whereby a positive is always offset by a negative. The problem is that agents do not understand the positive, the asset protection. Most producers and account managers do not understand that insurance is a balance sheet tool. Just like their customers, agents think of insurance as an expense that no one wants to pay. People do not want to buy insurance because no one takes the time to explain the benefits received for the cash outlay.

simple. Insurance is governed by massive case law and long legal contracts. The reality is that an insurance policy is a legal contract between the insurance company and the insured. Agents are selling a legal contract. Almost no agents have law degrees, so insurance had to be simplified so that the sellers and buyers could understand it, not so for the carriers, though.

Sellers often exacerbate the situation further. Most of the people who deal with insurance contracts are people who not only do not have a law degree, but most do not have a college degree. I am not denigrating a high school education, but when dealing with complex legal contracts, education is usually beneficial.

Even with business income, where insurance covers an income stream that would have been, that income stream is an asset. An asset is always on a balance sheet and never on an income statement.

Yet, somewhere along the way, agents began selling insurance as if it was

We have a misalignment between what insurance is designed to do and how it is sold. No wonder considerable friction exists.

A Legal Contract

The problem has been exacerbated further by pretending that insurance is simple to understand. Insurance is anything but

A few companies have gone further by selling contracts as if the consumer is buying penny candy instead of a complex legal contract. Where else in life does one go to buy legal contracts for which they do not pay their own attorney?

Where else does one go for financial management advice (and insurance is clearly a financial product) to someone who does not understand balance sheets?

Few account managers and relatively

few producers understand balance sheets, yet they are selling a product designed to protect balance sheets.

In a concise assessment, here is the status of insurance sales: Insurance is sold as if only the consumer’s expense is a factor, that no asset protection offsets the negative, and that the product is so super simple that anyone, including cartoon characters, can sell it in a manner that is good for consumers and businesses.

This position has developed through a complete warping of reality caused by people in whose best interest it is to convince consumers and businesses that all insurance is the same and the only differentiator is price. This came about because insurance is complex, and most consumers do not understand what they are buying. They do not understand the exclusions. They do not understand that the exclusions have inclusions, which then have another subset of exclusions. They do not understand the seemingly oxymoronic terms and kinds of insurance such as, “owned/non-owned auto” and “blanket coverage” (who really needs insurance for their blankets?).

When selling a complex product to people who have little understanding of what they are buying, especially when the seller does not really understand the product either, the only solutions are to pretend to make the product simple and/or educate the client. One cannot educate the client if the salesperson is not first educated.

The Opportunity

A great opportunity exists in returning insurance to the truly valuable financial tool that it is, which is to protect assets.

If you really want to do a great job for your clients, your communities, and your agency, then you must approach insurance as a professional does and in doing so, you will learn about your client’s exposures.

Exposures are potential losses to a client’s assets. When you understand your client’s exposures, which requires a conversation, you can share with them the fact they could potentially lose some or all their assets, and that you have potential solutions. Those solutions may include insurance policies chosen specifically

to match the coverage the client needs for that exposure. Or they may include specific risk management strategies when insurance is inadequate, does not exist, or is too expensive.

Being professional requires confidence. A great many producers cannot stand the thought of telling clients what a policy does not cover for fear the client will shop them. A professional believes in transparency, and by working closely with their clients, the lack of insurance coverage will be replaced by risk management solutions.

If we go back to the basics and approach an insurance sale from the perspective of protecting a client’s balance sheet, insurance becomes much simpler to sell — but you must first truly understand balance sheets. Discussions with your client will become easier because an alignment is created between the product and the sales message. Clients are then far more likely to buy the coverage they really need.

Being a professional and selling

insurance in this manner is not for the weak-hearted. It is for those who truly want to do good for their clients and are willing to put forth the effort required.

One of my favorite quotes, which I first heard from the famous basketball coach Bobby Knight, goes: “Everyone has the will to win, but few have the will to prepare to win.” Do you have the will to prepare to provide your clients with the solutions and advice they really need?

For older producers who already make enough income, this may not be for you. For those who believe technology can identify when to offer a new product without talking to clients in depth, this is not for you. The opportunity is for those who want to build long relationships with clients and know they are doing good work.

Burand is the founder and owner of Burand & Associates LLC based in Pueblo, Colo. Phone: 719-4853868. E-mail: chris@burand-associates.com.

Welcometo Insurance Journal’s 2023 National Directory of Excess, Surplus and Specialty Markets, Volume I. This exclusive biannual market directory has been designed to assist independent agents and brokers in the task of placing difficult or unusual risks.

For ease-of-use, the directory utilizes a convenient “color-coded legend” to highlight the availability of markets by IJ’s five geographic regions — East, Midwest, Southeast, South Central and West. The corresponding states for each region are listed below.

Inside the directory and underneath each market listing, five distinct colors represent IJ’s five regions. Those colors (Dark Blue ■ East, Light Blue ■ Midwest, Green ■ Southeast, Orange ■ South Central, and Red ■ West) indicate whether or not the market is available in your area of the country. The “color-coded legend” has been placed at the top of every directory page for easy reference.

All market listings have been updated with the most current

information available provided directly by intermediaries and carriers. As always, the directory lists the markets categorically by broad coverage groups.

Italicized company names represent companies offering binding authority. To find complete contact information for all companies listed in this directory, see page 52.

IJ’s 2023 National Directory of Excess, Surplus and Specialty Markets can also be found on our Web site at: www.insurance journal.com/directories. To submit a listing, visit the online directory, or e-mail Kristine Honey at: khoney@insurancejournal.com.

We hope you find this directory to be a valuable resource when trying to insure hard-to-place accounts. Feel free to send us comments and suggestions, or for additional help using this directory, e-mail: editorial@insurancejournal.com.

West South Central Southeast Midwest East

Connecticut Delaware Maine Maryland Massachusetts New Hampshire New Jersey New York Pennsylvania Rhode Island

Vermont Virginia Washington DC

Illinois Indiana Iowa Kansas Michigan Minnesota Missouri Nebraska North Dakota Ohio South Dakota Wisconsin

Alabama Florida Georgia Kentucky Mississippi North Carolina South Carolina Tennessee West Virginia

Arkansas Louisiana Oklahoma Texas

Alaska Arizona California Colorado Hawaii Idaho Montana Nevada New Mexico Oregon Utah Washington Wyoming

Occupational Accident (Primary XS Indemnity)

Comp Solutions Network Inc.

True Transport Insure

Occupational Accident Insurance

Comp Solutions Network Inc.

RockLake Insurance Group Inc.

True Transport Insure

Professional Athlete Disability

Exceptional Risk Advisors LLC

Professional Athletes (AD&D)

Exceptional Risk Advisors LLC

Special Risks Accident

Charity First Insurance Services Inc.

Student Accident

Fitness Insurance Corporation (SFIC)

Collectibles: Dolls, Toys, Figurines ■ ■ ■ ■ ■ American Collectors Insurance Inc. ■■■■ ■ Empire Insurance Brokers ■ ■ ■ ■ ■ Grand General Agency ■ ■ ■ ■ ■ MiniCo Insurance Agency, a Jencap Company

■■■■ ■ Monarch E&S Insurance Services

■ ■■■■ Orchid Insurance

Fine Arts Floaters (High Value)

■ ■ ■ ■ ■ Ascinsure Specialty Risk

■■■■ ■ Gorst & Compass Insurance ■■■■ ■ Monarch E&S Insurance Services

■ ■■■■ Orchid Insurance

Musical Instrument Floaters ■■■■ ■ Monarch E&S Insurance Services

Auto - Commercial

Ambulances

■ ■ ■ ■ ■ National Indemnity Company

■■■■ ■ Pacific Gateway Insurance Agency

■ ■ ■ ■ ■ UFG Specialty

Armored Car Service

■ ■ ■ ■ ■ UFG Specialty

Auto Body & Paint Shops

■ ■ ■ ■ ■

Arrowhead General Insurance Agency Inc.

■■■■ ■ DMI Insurance Services

■■ ■ ■ ■ Shelly, Middlebrooks & O’Leary Inc.

Auto Leasing Contingent Liability Phys Damage

■ ■ ■ ■ ■ GMI Insurance Services

Auto Parts Stores

■ ■ ■ ■ ■ Arrowhead General Insurance Agency Inc.

Auto Repair Shops

■ ■ ■ ■ ■ Amwins - 120+ Locations Worldwide ■ ■ ■ ■ ■ Arrowhead General Insurance Agency Inc.

■■■■ ■ DMI Insurance Services

■■■■ ■ Gorst & Compass Insurance ■ ■ ■ ■ ■ M.J. Hall & Company Inc.

■ ■ ■ ■ ■ McLeckie Insurance Group

■■ ■ ■ ■ RSI International Inc.

■■ ■ ■ ■ Shelly, Middlebrooks & O’Leary Inc. ■ ■ ■ ■ ■ Walter General Agency (WGA)

Auto Repossessors Liability

■ ■ ■ ■ ■ Prime Insurance Company

Auto Transporters ■ ■ ■ ■ ■ Apollo General Ins. Agency Inc. ■■■ ■ ■ Brecht & Associates ■■■■ ■ Gorst & Compass Insurance ■ ■ ■ ■ ■ Guardian Insurance Wholesalers Inc. ■■■■ ■ Pacific Gateway Insurance Agency ■ ■ ■ ■ ■ Paramount General Agency ■■ ■ ■ ■ Shelly, Middlebrooks & O’Leary Inc. ■ ■ ■ ■ ■ USG Insurance Services Inc.

Auto/Truck Leasing ■ ■ ■ ■ ■ GMI Insurance Services

Auto/Truck Rental Agencies ■■■■ ■ Pacific Gateway Insurance Agency

Automatic Car Wash Services ■■■■ ■ USASIA Insurance Services

Bob Tail or Dead Heading Liability (Truckers) ■ ■ ■■ ■ Erickson-Larsen Inc. ■ ■ ■ ■ ■ Paramount General Agency

Buses, Including Chartered Vehicles ■ ■ ■ ■ ■ 5Star Specialty Programs ■ ■ ■ ■ ■ KF&B Program Managers Insurance Services

■ ■ ■ ■ National Indemnity Company ■■■■ ■ Pacific Gateway Insurance Agency

Prime Insurance Company

UFG Specialty

Specialty Programs

Transportation Risk Underwriters Commercial Auto Liability & Physical Damage

5Star Specialty Programs

American Management Corporation

Apollo General Ins. Agency Inc.

Ascendant Insurance Solutions

Bass Underwriters

Brecht & Associates

Bristol West Insurance Group

Builders & Tradesmen’s Insurance Services Inc. (BTIS)

Cochrane and Company

Continental Underwriters Inc.

Cosmetic Insurance Services, a division of EPIC Brokers

Erickson-Larsen Inc.

J.M. Wilson

Jencap - Locations Nationwide

Jencap Specialty Insurance Services - Buffalo

KF&B Program Managers Insurance Services

M.J. Hall & Company Inc.

MAXIMUM

McLeckie Insurance Group

MexiPass International Insurance Services LLC

MiniCo Insurance Agency, a Jencap Company

National Indemnity Company

NBIS

Norman-Spencer Agency LLC

Pacific Gateway Insurance Agency

Paramount General Agency

Patriot National Underwriters Inc.

Risk Strategies, Transportation Group

RockLake Insurance Group Inc.

RPS

RSI International Inc.

Shelly, Middlebrooks & O’Leary Inc.

Sports & Wellness Insurance

U.S. Risk LLC

Western Surplus Lines Agency Inc.

World Wide Specialty, a Div of Philadelphia Ins Co’s

Commercial Auto Liability (only)

Guardian Insurance Wholesalers Inc.

Jencap - Locations Nationwide

KF&B Program Managers Insurance Services

National Indemnity Company

Paramount General Agency

Prime Insurance Company

Risk Strategies, Transportation Group

RockLake Insurance Group Inc.

RT Specialty

Commercial Auto Physical Damage (only)

American Management Corporation

Canon Insurance Service

Commercial Sector Insurance Brokers LLC

GMI Insurance Services

Guardian Insurance Wholesalers Inc.

International Transportation & Marine Agency Inc.

IPA Risk Management LLC

Jencap - Locations Nationwide

National Indemnity Company

Paramount General Agency

Risk Strategies, Transportation Group

RockLake Insurance Group Inc.

Shelly, Middlebrooks & O’Leary Inc.

Walter General Agency (WGA)

Contingent Auto

Greenwich Transportation Underwriters aka GTU

RockLake Insurance Group Inc.

Transportation Risk Underwriters

Contingent Cargo

Commercial Sector Insurance Brokers LLC

Custom Assurance Placements Ltd.

Transportation Underwriters aka GTU

RockLake Insurance Group Inc.

Risk Underwriters

Contractors Vehicles, Trucks

General Ins. Agency Inc.

West Insurance Group

Empire Insurance Brokers

Insurance Services

& Compass Insurance

Wilson

National Indemnity Company

Gateway Insurance Agency

Paramount General Agency

Strategies, Transportation Group

Insurance Group Inc.

Middlebrooks & O’Leary Inc.

Risk Underwriters

Walter General Agency (WGA)

Western Surplus Lines Agency Inc.

Commercial Auto Liab. (Misc./Special Purpose)

Empire Insurance Brokers

Pacific Gateway Insurance Agency

Paramount General Agency

Strategies, Transportation Group

Sun Coast General Insurance Agency

Sand & Gravel Haulers

Trucks

National Indemnity Company

Insurance Services

Gorst & Compass Insurance

National Indemnity Company

Norman-Spencer Agency LLC

Pacific Gateway Insurance Agency

RockLake Insurance Group Inc.

RSI International Inc.

Shelly, Middlebrooks & O’Leary Inc.

Sun Coast General Insurance Agency

UFG Specialty

Delivery Vehicles

Bristol West Insurance Group

Gorst & Compass Insurance

IPC

Pacific Gateway Insurance Agency

Risk Strategies, Transportation Group

RockLake Insurance Group Inc.

UFG Specialty

Broker / Forwarder

Greenwich Transportation Underwriters aka GTU

Transportation Risk Underwriters

Liability

DMI Insurance Services

Erickson-Larsen Inc.

Jencap - Locations Nationwide

Kinsale Insurance Company

M.J. Hall & Company Inc.

McLeckie Insurance Group

National Indemnity Company

RockLake Insurance Group Inc.

RPS

Shelly, Middlebrooks & O’Leary Inc.

U.S. Risk LLC

USASIA Insurance Services

Walter General Agency (WGA)

XPT Specialty

Garbage Trucks

UFG Specialty

Gasoline/Diesel Fuel Haulers

Erickson-Larsen Inc.

National Indemnity Company

Pacific Gateway Insurance Agency

Hired and Non-Owned Auto Liability - Monoline

Bristol West Insurance Group

IPC

James River Insurance Company

Sports & Wellness Insurance

UFG Specialty

Limousines

5Star Specialty Programs

Gorst & Compass Insurance

KF&B Program Managers Insurance Services

National Indemnity Company

Pacific Gateway Insurance Agency

Prime Insurance Company

RockLake Insurance Group Inc.

Mobilehome Transporters

Pacific Gateway Insurance Agency

RockLake Insurance Group Inc.

Motorcycle Dealers

Continental Brokers Inc.

Motorcycle Repair Shops

Continental Brokers Inc. Motorhome/RV Dealers

DMI Insurance Services

McLeckie Insurance Group

Emergency Medical Transportation (NEMT)

Liability

Guardian Insurance Wholesalers Inc.

International Transportation & Marine Agency Inc.

J.M. Wilson

Paramount General Agency

RockLake Insurance Group Inc.

True Transport Insure

■ Erickson-Larsen Inc. ■■■■ ■ Gorst & Compass Insurance

RockLake Insurance Group Inc.

Shelly, Middlebrooks & O’Leary Inc.

Sun Coast General Insurance Agency

UFG Specialty

■ XPT Specialty

School Buses

Pacific Gateway Insurance Agency

■ ■ Prime Insurance Company

Shipper ■

Taxi Cabs

Shelly, Middlebrooks & O’Leary Inc.

UFG Specialty

Greenwich Transportation Underwriters aka GTU

National Indemnity Company

Prime Insurance Company

Tire Dealers

Tow Trucks

Arrowhead General Insurance Agency Inc.

Gorst & Compass Insurance

UFG Specialty

Arrowhead General Insurance Agency Inc.

GMI Insurance Services

■ Gorst & Compass Insurance ■ ■ ■ ■ ■ National Indemnity Company ■■■■ ■ Pacific Gateway Insurance Agency ■ ■ ■ ■ ■ Prime Insurance Company ■ ■ ■ ■ ■ RPS

■■■■ ■ Sun Coast General Insurance Agency ■ ■ ■ ■ ■ XPT Specialty

Truck Broker Liability ■ ■ ■ ■ ■ Greenwich Transportation Underwriters aka GTU ■ ■ ■ ■ ■ RockLake Insurance Group Inc.

Truckers General Liability ■ ■ ■ ■ ■ 5Star Specialty Programs ■ ■ ■ ■ ■ Ascendant Insurance Solutions ■ ■ ■■ ■ Cochrane and Company ■ ■ ■ ■ ■ CRC Insurance Services ■■■ ■ ■ Executive Insurance Professionals, PLLC ■ ■ ■ ■ ■ GMI Insurance Services ■■■■ ■ Gorst & Compass Insurance ■ ■ ■ ■ ■ Guardian Insurance Wholesalers Inc. ■ ■ ■ ■ ■ International Transportation & Marine Agency Inc. ■ ■ ■ ■ ■ J.M. Wilson ■ ■ ■ ■ ■ Jencap - Locations Nationwide ■ ■ ■ ■ ■ M.J. Hall & Company Inc. ■ ■ ■ ■ ■ NBIS ■ ■ ■ ■ ■ RockLake Insurance Group Inc. ■■ ■ ■ ■ Shelly, Middlebrooks & O’Leary Inc. ■ ■ ■ ■ ■ Southwest Risk ■ ■ ■ ■ ■ Transportation Risk Underwriters

Trucks--Intermediate Haul ■ ■ ■ ■ ■ 5Star Specialty Programs ■ ■ ■■ ■ Cochrane and Company ■ ■ ■ ■ ■ GMI Insurance Services ■ ■ ■ ■ ■ Guardian Insurance Wholesalers Inc. ■ ■ ■ ■ ■ J.M. Wilson ■ ■ ■ ■ ■ Jencap - Locations Nationwide ■ ■ ■ ■ ■ National Indemnity Company ■ ■ ■ ■ ■ NBIS ■ ■ ■ ■ ■ Norman-Spencer Agency LLC ■■■■ ■ Pacific Gateway Insurance Agency

■ RockLake Insurance Group Inc.

Western Surplus Lines Agency Inc.

Trucks--Long Haul

Specialty Programs

Amwins - 120+ Locations Worldwide

Insurance Solutions

Cochrane and Company

Erickson-Larsen Inc.

GMI Insurance Services

Gorst & Compass Insurance

Guardian Insurance Wholesalers Inc.

J.M. Wilson

Jencap - Locations Nationwide

National Indemnity Company

Pacific Gateway Insurance Agency

Paramount General Agency

Prime Insurance Company

RockLake Insurance Group Inc.

Specialty

Shelly, Middlebrooks & O’Leary Inc.

Haul

Pacific Gateway Insurance Agency

Strategies, Transportation Group

RockLake Insurance Group Inc.

Auto - Personal All Terrain Vehicles

Continental Brokers Inc.

Foremost Insurance Group

Markel Personal Lines

Mexico Insurance Online

Prime Insurance Company

Antique & Classic Auto

American Collectors Insurance Inc.

Foremost Insurance Group

Antique & Custom Motorcycles/Scooters

American Collectors Insurance Inc.

High Performance & Sports Cars

American Collectors Insurance Inc.

High Value Auto - Physical Damage

■ Empire Insurance Brokers

Kit/Replicas/Custom Cars - Physical Damage

American Collectors Insurance Inc.

Mobilehome - Liability & Physical Damage

Foremost Insurance Group

Motorcycle - Liability & Physical Damage ■

American Collectors Insurance Inc. ■ ■

Foremost Insurance Group ■ ■

Markel Personal Lines

Mexico Insurance Online

Mexpro.com / NFP

Motorcycles & Motor Scooters ■

Foremost Insurance Group

Mexico Insurance Online

Motorhome - Liability & Physical Damage

Foremost Insurance Group

Mexico Insurance Online

MexiPass International Insurance Services LLC

Mexpro.com / NFP

Motorhomes/RVs

Empire Insurance Brokers

Foremost Insurance Group

Mexico Insurance Online

Prime Insurance Company

Nonstandard Personal Auto Liability & Phys Dmg

Arrowhead General Insurance Agency Inc.

Bristol West Insurance Group

Mexico Insurance Online

Risk Placement Services Sacramento

Sun Coast General Insurance Agency

Nonstandard Personal Auto Liability (only)

Bristol West Insurance Group

Mexico Insurance Online

RV - Liability & Physical Damage

Foremost Insurance Group

Mexico Insurance Online

Mexpro.com / NFP

Snowmobiles

Foremost Insurance Group

Trailers & Campers

Foremost Insurance Group

Mexico Insurance Online

Bankers Special Bond

J. Wilkoff Inc.

Lloyd & Associates, A Member Company of US Risk

ProSurance Group, a Div of One80 Intermediaries

Commercial Crime Bond

Apollo General Ins. Agency Inc.

Contractor License Bonds

Apollo General Ins. Agency Inc.

Builders & Tradesmen’s Insurance Services Inc. (BTIS)

Cochrane and Company

Gerald J. Wilkoff Inc.

SIS Wholesale Insurance Services

Surety Bond Professionals Inc.

Transportation Risk Underwriters

Customs Bonds

Cosmetic Insurance Services, a division of EPIC Brokers

■ Surety Bond Professionals Inc.

Employee Benefit Plans Liability ■ ■ ■ ■ ■ Apollo General Ins. Agency Inc. ■ ■ ■ ■ ■ Surety Bond Professionals Inc. ■ ■ ■ ■ ■ World Wide Specialty, a Div of Philadelphia Ins Co’s

Excess Fidelity Bonds ■ ■ ■ ■ ■ J.B. Lloyd & Associates, A Member Company of US Risk ■ ■ ■ ■ ■ ProSurance Group, a Div of One80 Intermediaries

Financial Institution Bond ■ ■ ■ ■ ■ U.S. Risk LLC

Financial Guarantee Bonds ■ ■ ■ ■ ■ Gerald J. Wilkoff Inc. ■ ■ ■ ■ ■ J.B. Lloyd & Associates, A Member Company of US Risk ■ ■ ■ ■ ■ Surety Bond Professionals Inc.

Hazardous Waste Contractors Bonds ■ ■ ■ ■ ■ Surety Bond Professionals Inc.

Medicare Provider Bonds ■ ■ ■ ■ ■ Surety Bond Professionals Inc.

Performance & Payment Bonds ■ ■ ■ ■ ■ Apollo General Ins. Agency Inc. ■ ■ ■ ■ ■ Gerald J. Wilkoff Inc. ■ ■ ■ ■ ■ MexiPass International Insurance Services LLC ■ ■ ■ ■ ■ Surety Bond Professionals Inc. ■ ■ ■ ■ ■ Transportation Risk Underwriters

USG Insurance Services Inc.

Self Insured Workers

■

Surety Bond Professionals Inc.

Subdivision Bonds ■ ■ ■ ■

Surety Bond Professionals Inc.

Surety Bonds - Contractors

Apollo General Ins. Agency Inc.

Cochrane and Company

Gerald J. Wilkoff Inc.

Wilson

Bond Professionals Inc.

Bonds - Misc. and Special Risks

Builders & Tradesmen’s Insurance Services Inc. (BTIS)

& Fitness Insurance Corporation (SFIC)

Bond Professionals Inc.

Gerald J. Wilkoff Inc.

Business Owners Policy

Arrowhead General Insurance Agency Inc.

Ascendant Insurance Solutions

Builders & Tradesmen’s Insurance Services Inc. (BTIS)

Continental Brokers Inc.

Executive Insurance Professionals, PLLC

Sports & Fitness Insurance Corporation (SFIC)

Care Custody/Control Liability (P.D.) ■

Brownyard Group

The Mechanic Group, A Div of Specialty Programs Group

World Wide Specialty, a Div of Philadelphia Ins Co’s

Contingent Liability

Concord Specialty Risk

M&A Insurance Solutions LLC

Corporate Fiduciary Liability

Gerald J. Wilkoff Inc.

Synergy Professional Associates Inc.

Cyber Risk

Bass Underwriters

Breckenridge Insurance

Brooks Insurance Agency

Charity First Insurance Services Inc.

Cochrane and Company

Concorde General Agency

Donald Gaddis Co. Inc. Insurance Services

EmergIn Risk

Erickson-Larsen Inc. ■ ■ ■ ■ ■ Irwin Siegel Agency ■ ■ ■ ■ ■ Jimcor Agencies ■ ■ ■ ■ ■ MiniCo Insurance Agency, a Jencap Company ■ ■ ■ ■ ■ Nationwide ■ ■ ■ ■ ■ Negley Associates ■ ■ ■ ■ ■ ProWriters ■ ■ ■ ■ ■ Quadrant Insurance Managers ■ ■ ■ ■ ■ RPS ■ ■ ■ ■ ■ RPS Technology & Cyber ■ ■ ■ ■ ■ Sports & Fitness Insurance Corporation (SFIC) ■ ■ ■ ■ ■ Transportation Risk Underwriters ■ ■ ■ ■ ■ Victor Insurance Managers Inc. ■ ■ ■ ■ ■ World Wide Specialty, a Div of Philadelphia Ins Co’s ■ ■ ■ ■ ■ XPT Specialty

Employee Benefit Plans Liability ■ ■ ■ ■ ■ Gerald J. Wilkoff Inc. ■ ■ ■ ■ ■ World Wide Specialty, a Div of Philadelphia Ins Co’s Employers Liability

■ ■ ■ ■ ■ Continental Underwriters Inc. ■ ■ ■ ■ ■ CRC Insurance Services ■ ■ ■ ■ ■ Sports & Fitness Insurance Corporation (SFIC) ■ ■ ■ ■ ■ World Wide Specialty, a Div of Philadelphia Ins Co’s

Extended, Product Warranty & Service Contracts ■ ■ ■ ■ ■ JC Wilson Consulting Inc. ■ ■ ■ ■ ■ RPS

Fiduciary Liability ■ ■ ■ ■ ■ Gerald J. Wilkoff Inc. ■ ■ ■ ■ ■ U.S. Risk LLC

Food Borne Illness ■ ■ ■ ■ ■ Professional Liability Ins. Svcs - Underwriting Facilities ■ ■ ■ ■ ■ U.S. Risk LLC

Identity Theft ■ ■ ■ ■ ■ World Wide Specialty, a Div of Philadelphia Ins Co’s In-Home Businesses ■■■ ■ ■ Executive Insurance Professionals, PLLC ■ ■ ■ ■ ■ www.insurancehelper.com

IT Consultants Errors & Omissions

Solutions PBS LLC

Executive Insurance Professionals, PLLC

Gateway Specialty Insurance

RPS Technology & Cyber Kidnap, Ransom & Extortion

ARC West Coast Excess & Surplus Brokerage LLC

Exceptional Risk Advisors LLC

MexiPass International Insurance Services LLC

& Company

Insurance Managers Inc.

Legal Expense

Insurance Brokerage LLC

Brokers Inc.

Employer Concepts LLC

Special Risk, a Jencap Company (Florida)

Quaker Special Risk, a Jencap Company (Mass.)

Target Professional Programs

Victor Insurance Managers Inc.

Artisan Contractor Program

AmeriTrust Group

Apollo General Ins. Agency Inc.

Bass Underwriters

Concorde General Agency

FTP of California

GMI Insurance Services

M.J. Hall & Company Inc.

REInsurePro

Shelly, Middlebrooks & O’Leary Inc.

Shield Commercial Insurance Services

Southwest Risk

Artisan Contractors

American Management Corporation

Amwins - 120+ Locations Worldwide

Anderson & Murison Inc.

Arrowhead General Insurance Agency Inc.

Ascendant Insurance Solutions

Ashley General Agency

Aspera Insurance

General Insurance Services, An RPS Company

Underwriters

Associates, a div of Hull & Company LLC

Insurance

& Tradesmen’s Insurance Services Inc. (BTIS)

Insurance Programs Inc.

and Company

Gaddis Co. Inc. Insurance Services

Executive Insurance Professionals, PLLC

Walter General Agency (WGA)

Surplus Lines Agency Inc.

James River Insurance Company

Specialty Insurance Services (Environmental)

Norman-Spencer Agency LLC

Philadelphia Insurance Companies

Virtue Risk Partners LLC

American Management Corporation

AmeriTrust Group

Bass Underwriters

Berkley Fire & Marine

Boston Insurance Brokerage LLC

Breckenridge Insurance

Builders & Tradesmen’s Insurance Services Inc. (BTIS)

Canon Insurance Service

Distinguished Programs

Element22 Insurance Services

Executive Insurance Professionals, PLLC

Grand General Agency

Jencap - Locations Nationwide

Jimcor Agencies

NeitClem Wholesale Insurance Brokerage Inc.

Quaker Special Risk, a Jencap Company (New Jersey)

Victor Insurance Managers Inc.

Walter General Agency (WGA)

Construction Managers

Philadelphia Insurance Companies

Quaker Special Risk, a Jencap Company (Florida)

Quaker Special Risk, a Jencap Company (Mass.)

Quaker Special Risk, a Jencap Company (New Jersey)

Victor Insurance Managers Inc.

Construction Wrap-Ups

Amwins - 120+ Locations Worldwide

Beacon Hill Associates

Breckenridge Insurance

Jencap - Locations Nationwide

UFG Specialty

Wrap Up Insurance Solutions

Contractors Design & Build Liability

Admiral Insurance Group

Eaton Professional Insurance Services

Contractors Equipment

Admiral Insurance Group

Ascendant Insurance Solutions

Ascinsure Specialty Risk

Brecht & Associates

First Choice Ins Intermediaries

NBIS

Norman-Spencer Agency LLC

Philadelphia Insurance Companies

Quirk & Company

RPS

Safehold Special Risk

SIS Wholesale Insurance Services ■ ■ ■ ■ ■ Western Surplus Lines Agency Inc. ■ ■ ■ ■ ■ Western World Insurance Group

Contractors Paper ■ ■ ■■■ Donald Gaddis Co. Inc. Insurance Services ■ ■ ■■ ■ Erickson-Larsen Inc. ■ ■ ■ ■ ■ Legacy Employer Concepts LLC ■ ■ ■ ■ ■ Quaker Special Risk, a Jencap Company (Florida) ■ ■ ■ ■ ■ Quaker Special Risk, a Jencap Company (Mass.) ■ ■ ■ ■ ■ Quaker Special Risk, a Jencap Company (New Jersey) ■ ■ ■ ■ ■ REInsurePro ■ ■ ■ ■ ■ Shield Commercial Insurance Services

■ ■ ■ ■ SIS Wholesale Insurance Services

Contractors Pollution Liability ■ ■ ■ ■ ■ Apollo General Ins. Agency Inc. ■■■ ■ ■ Ashley General Agency ■ ■ ■ ■ ■ Beacon Hill Associates ■ ■ ■ ■ ■ Boston Insurance Brokerage LLC ■ ■ ■■ ■ Cochrane and Company ■ ■ ■■ ■ Erickson-Larsen Inc. ■ ■ ■ ■ ■ Freberg Environmental Inc. ■ ■ ■ ■ ■ James River Insurance Company ■ ■ ■ ■ ■ Jencap - Locations Nationwide ■ ■ ■ ■ ■ Jencap Specialty Insurance Services (Environmental) ■ ■ ■ ■ ■ Kinsale Insurance Company ■■■■ ■ Orion Commercial Insurance Services Inc. ■■■ ■ ■ Patriot National Underwriters Inc. ■ ■ ■ ■ ■ Philadelphia Insurance Companies ■ ■ ■ ■ ■ RT Specialty ■ ■ ■ ■ ■ SIS Wholesale Insurance Services ■ ■ ■ ■ ■ USG Insurance Services Inc. ■ ■ ■ ■ ■ Victor Insurance Managers Inc.

■ ■ ■ ■ Virtue Risk Partners LLC ■ ■ ■ ■ ■ Western Surplus Lines Agency Inc.

Crane & Rigging Contractors

■

Apollo General Ins. Agency Inc.

Ascinsure Specialty Risk

Berkley Fire & Marine

Erickson-Larsen Inc.

Legacy Employer Concepts LLC

Custom Home Builders

Builders & Tradesmen’s Insurance Services Inc. (BTIS)

GMI Insurance Services

James River Insurance Company

Monarch E&S Insurance Services

NeitClem Wholesale Insurance Brokerage Inc.

National Underwriters Inc.

Special Risk, a Jencap Company (Florida)

Special Risk, a Jencap Company (Mass.)

Special Risk, a Jencap Company (New Jersey)

Commercial Insurance Services

Wholesale Insurance Services

Underwriters Inc.

Contractors Liability

Specialty Insurance Services (Environmental)

Arrowhead General Insurance Agency Inc.

Builders & Tradesmen’s Insurance Services Inc. (BTIS)

GMI Insurance Services

American Risk Solutions

Jencap - Locations Nationwide

Legacy Employer Concepts LLC

PartnerOne Environmental

Pathpoint

Philadelphia Insurance Companies

REInsurePro

Shield Commercial Insurance Services

Elevator Contractors

GMI Insurance Services

UFG Specialty

Environmental Contractors

Access E&S Insurance Services (VA)

Amwins - 120+ Locations Worldwide

Beacon Hill Associates

Boston Insurance Brokerage LLC

Commercial Sector Insurance Brokers LLC

Global Special Risks

James River Insurance Company

Jencap - Locations Nationwide

Jencap Specialty Insurance Services (Environmental)

Joseph Krar & Associates Inc.

Norman-Spencer Agency LLC

PartnerOne Environmental

Philadelphia Insurance Companies

Quadrant Insurance Managers

Roush Insurance Services Inc.

RT Specialty

Virtue Risk Partners LLC

Fire Sprinkler Contractors

AMIS/Alliance Marketing & Insurance Services LLC

Amwins - 120+ Locations Worldwide

Boston Insurance Brokerage LLC

Great American Risk Solutions

Jencap - Locations Nationwide

Jencap Specialty Insurance Services (Environmental)

Patriot National Underwriters Inc.

Philadelphia Insurance Companies

Quaker Special Risk, a Jencap Company (Florida)

Quaker Special Risk, a Jencap Company (Mass.)

RelMark Program Managers

SIS Wholesale Insurance Services

Southwest Risk

UFG Specialty

Fire/Water Restoration

J.M. Wilson

James River Insurance Company

Jencap - Locations Nationwide

Jencap Specialty Insurance Services (Environmental)

Legacy Employer Concepts LLC

PartnerOne Environmental

Philadelphia Insurance Companies

Fireworks Display Contractors Risk

James River Insurance Company

Prime Insurance Company

Professional Program Ins. Brokerage, a Div of SPG Ins.

American Risk Solutions

Legacy Employer Concepts LLC

Shield Commercial Insurance Services

Patriot National Underwriters Inc.

Philadelphia Insurance Companies

Quadrant Insurance Managers

Quaker Special Risk, a Jencap Company (Florida)

Quaker Special Risk, a Jencap Company (Mass.)

Quaker Special Risk, a Jencap Company (New Jersey)

Quirk & Company

RMC Group

Roush Insurance Services Inc.

Shield Commercial Insurance Services

SIS Wholesale Insurance Services

TAPCO Underwriters Inc.

U.S. Risk LLC

UFG Specialty

USG Insurance Services Inc.

Walter General Agency (WGA)

Western World Insurance Group

AmeriTrust Group

■■■ ■ ■ Ashley General Agency ■ ■ ■ ■ ■ Aspera Insurance ■ ■ ■ ■ ■ Bass Underwriters ■ ■ ■ ■ ■ Builders & Tradesmen’s Insurance Services Inc. (BTIS) ■ ■ ■ ■ ■ CRC Insurance Services

■ ■ ■ ■ ■ GMI Insurance Services

■■■■ ■ Gorst & Compass Insurance

■ ■ ■ ■ ■ James River Insurance Company

■ ■ ■ ■ ■ Jencap - Locations Nationwide

■ ■ ■ ■ ■ Jimcor Agencies

■ ■ ■ ■ ■ M.J. Hall & Company Inc.

■■■ ■ ■ NeitClem Wholesale Insurance Brokerage Inc. ■ ■ ■ ■ ■ Norman-Spencer Agency LLC ■ ■ ■ ■ ■ Pathpoint

■ ■ ■ ■ ■ Quaker Special Risk, a Jencap Company (Florida) ■ ■ ■ ■ ■ Quaker Special Risk, a Jencap Company (Mass.)

■ ■ ■ ■ ■ Quaker Special Risk, a Jencap Company (New Jersey) ■■■ ■ ■ Quirk & Company ■ ■ ■ ■ ■ REInsurePro ■■■■ ■ Risk Placement Services Sacramento ■ ■ ■ ■ ■ Shield Commercial Insurance Services ■ ■ ■ ■ ■ SIS Wholesale Insurance Services ■ ■ ■ ■ ■ Southwest Risk ■ ■ ■ ■ ■ TAPCO Underwriters Inc. ■ ■ ■ ■ ■ USG Insurance Services Inc. ■ ■ ■ ■ ■ Walter General Agency (WGA) ■■■■ ■ XPT Specialty

Hospitality ■ ■ ■ ■ ■ James River Insurance Company ■ ■ ■ ■ ■ Legacy Employer Concepts LLC ■ ■ ■ ■ ■ TAPCO Underwriters Inc.

House Moving Contractors ■ ■ ■ ■ ■ Apollo General Ins. Agency Inc.

Janitorial ■ ■ ■ ■ ■ Bass Underwriters ■ ■ ■ ■ ■ Braishfield Associates, a div of Hull & Company LLC

Builders & Tradesmen’s Insurance Services Inc. (BTIS)

GMI Insurance Services

Monarch E&S Insurance Services

Prime Insurance Company

Quaker Special Risk, a Jencap Company (Florida & Mass.)

Risk Placement Services Sacramento

Shield Commercial Insurance Services

TAPCO Underwriters

USASIA Insurance Services

■ ■ ■ ■ Virtue Risk Partners LLC

■ ■ ■ ■ Western World Insurance Group

Specialty

Lead Abatement Contractors ■ ■ ■ ■ ■ Apollo General Ins. Agency Inc. ■ ■ ■ ■ ■ Beacon Hill Associates ■ ■ ■ ■ ■ Freberg Environmental Inc. ■ ■ ■ ■ ■ James River Insurance Company

■ ■ ■ ■ Jencap - Locations Nationwide

■ ■ ■ ■ Jencap Specialty Insurance Services (Environmental)

PartnerOne Environmental

■ ■ ■ ■ Philadelphia Insurance Companies

Marine Contractors ■ ■ ■ ■ ■ Bass Underwriters

■ ■ ■ Global Special Risks

■ ■ ■ ■ ■ J.M. Wilson

■ ■ ■ ■ ■ Kinsale Insurance Company ■ ■ ■ ■ ■ Legacy Employer Concepts LLC

Outside Contractors All

■ ■ ■ ■ ■ GMI Insurance Services

■ ■ ■ ■ ■ Shield Commercial Insurance Services

■ ■ ■ ■ ■ SIS Wholesale Insurance Services

Plumbers

■ ■ ■ ■ ■ GMI Insurance Services

■ ■ ■ ■ ■ IPC ■ ■ ■ ■ ■ REInsurePro

Property--Real, Personal & Business Income ■ ■ ■ ■ ■ NBIS

■ ■ ■ ■ ■ Pathpoint

■ ■ ■ ■ ■ REInsurePro

■ ■ ■ ■ ■ TAPCO Underwriters Inc.

Remodeling Contractors ■ ■ ■ ■ ■ Bass Underwriters

■■■ ■ ■ Brecht & Associates ■ ■ ■ ■ ■ FTP of California ■ ■ ■ ■ ■ Grand General Agency ■ ■ ■ ■ ■ Great American Risk Solutions

■ ■ ■ ■ ■ IPC

■ ■ ■ ■ ■ James River Insurance Company ■ ■ ■ ■ ■ Legacy Employer Concepts LLC ■ ■ ■ ■ ■ Nautilus Insurance Co. & Great Divide Ins. Co.

■■■ ■ ■ NeitClem Wholesale Insurance Brokerage Inc. ■ ■ ■ ■ ■ Pathpoint ■■■■ ■ Risk Placement Services Sacramento ■ ■ ■ ■ ■ Shield Commercial Insurance Services ■ ■ ■ ■ ■ SIS Wholesale Insurance Services ■ ■ ■ ■ ■ Walter General Agency (WGA)

Roofers ■ ■ ■ ■ ■ Admiral Insurance Group ■ ■ ■ ■ ■ AmeriTrust Group ■ ■ ■ ■ ■ Amwins - 120+ Locations Worldwide ■ ■ ■ ■ ■ Anderson & Murison Inc. ■■■ ■ ■ Ashley General Agency ■ ■ ■ ■ ■ Bass Underwriters ■■■ ■ ■ Brecht & Associates ■ ■ ■ ■ ■ Breckenridge Insurance ■ ■ ■ ■ ■ CapSpecialty

■ ■■ ■ Cochrane and Company

■ ■■ ■ Concorde General Agency

■ ■ ■ ■ GMI Insurance Services

■ ■ ■ ■ Great American Risk Solutions

■ ■ ■ ■ James River Insurance Company

■ ■ ■ ■ Jimcor Agencies ■ ■ ■ ■ ■ Legacy Employer Concepts LLC ■■■ ■ ■ NeitClem Wholesale Insurance Brokerage Inc.

Norman-Spencer Agency LLC

Norman-Spencer International Inc.

PartnerOne Environmental

Pathpoint

Patriot National Underwriters Inc.

Philadelphia Insurance Companies

Prime Insurance Company

Quaker Special Risk, a Jencap Company (Florida & Mass.)

Quaker Special Risk, a Jencap Company (New Jersey)

REInsurePro

Shield Commercial Insurance Services

SIS Wholesale Insurance Services

Southwest Risk

USG Insurance Services Inc.

Walter General Agency (WGA)

Western World Insurance Group

Risks

Ascinsure Specialty Risk

Irwin Siegel Agency

Patriot National Underwriters Inc.

Pool Contractors

James River Insurance Company

Jencap - Locations Nationwide

M.J. Hall & Company Inc.

Nautilus Insurance Co. & Great Divide Ins. Co.

Risk Placement Services Sacramento

Commercial Insurance Services

Wholesale Insurance Services

Toxic Mold Liability

Beacon Hill Associates

Jencap - Locations Nationwide

Jencap Specialty Insurance Services (Environmental)

PartnerOne Environmental

Philadelphia Insurance Companies

Utility Industry

GMI Insurance Services

Norman-Spencer Agency LLC

UFG Specialty

X.C.U. (Contractors) Liability

Western Surplus Lines Agency Inc.

Directors & Officers Liability

Associations

Berkley Select | a Berkley Company

Charity First Insurance Services Inc.

Coastal Insurance Underwriters Inc.

Distinguished Programs

Gateway Specialty Insurance

Irwin Siegel Agency

Nonprofits Insurance Alliance

Professional Insurance Concepts

Western World Insurance Group

Boards of Education

Allsouth Professional Liability

Chambers of Commerce

Berkley Select | a Berkley Company

Charity First Insurance Services Inc.

Gateway Specialty Insurance

Indemnity Excess & Surplus Agency Inc.

Irwin Siegel Agency

Condominiums

All Solutions PBS LLC

Bass Underwriters

Coastal Insurance Underwriters Inc.

Distinguished Programs

Pacific Excess Insurance Marketing

The McGowan Companies

Country Clubs

Crime

Coastal Insurance Underwriters Inc.

AMIS/Alliance Marketing & Insurance Services LLC

Brooks Insurance Agency

Coastal Insurance Underwriters Inc.

Cosmetic Insurance Services, a division of EPIC Brokers

Distinguished Programs

eKo Specialty Insurance Services Inc.

EmergIn Risk

Gerald J. Wilkoff Inc.

Hudson Insurance Group / Hudson Pro (TM)

Professional Insurance Concepts

RPS Technology & Cyber

(General)

Specialty Programs

Access E&S Insurance Services (VA)

Agentic Insurance LLC

Solutions PBS LLC

Allsouth Professional Liability

AMIS/Alliance Marketing & Insurance Services LLC

Amwins - 120+ Locations Worldwide

Anderson & Murison Inc.

West Coast Excess & Surplus Brokerage LLC

Aspera Insurance

Select | a

AMIS/Alliance Marketing & Insurance Services LLC

Brooks Insurance Agency

Insurance Underwriters Inc.

Insurance Group / Hudson Pro (TM)

IPA Risk Management LLC

Professional Insurance Concepts

ProWriters

Risk Strategies, Transportation Group

RMC Group

RPS Technology & Cyber

Specialty

Companies

Professional Insurance Concepts

Liability

5Star Specialty Programs

Brooks Insurance Agency

Cosmetic Insurance Services, a division of EPIC Brokers

eKo Specialty Insurance Services Inc.

EmergIn Risk

Hudson Insurance Group / Hudson Pro (TM)

Jencap - Locations Nationwide

Specialty Insurance Services - Buffalo

Nonprofits Insurance Alliance

Professional Insurance Concepts

Quadrant Insurance Managers

Specialty

The Hanover Insurance Group

Victor Insurance Managers Inc.

Private Company

Access E&S Insurance Services (VA)

Agentic Insurance LLC

All Solutions PBS LLC

ARC West Coast Excess & Surplus Brokerage LLC

Berkley Select | a Berkley Company

Cooper & McCloskey Inc.

Cosmetic Insurance Services, a division of EPIC Brokers

eKo Specialty Insurance Services Inc.

EmergIn Risk

Jencap - Locations Nationwide

Professional Insurance Concepts

Quadrant Insurance Managers

The Hanover Insurance Group

Public Officials

All Solutions PBS LLC

Allsouth Professional Liability

American Public Risk

ARC West Coast Excess & Surplus Brokerage LLC

Jencap - Locations Nationwide

Professional Governmental Underwriters

Western World Insurance Group

Union Officials

Agentic Insurance LLC

Venture Capitalists

Cooper & McCloskey Inc.

Youth Sport Leagues

American Specialty Insurance & Risk Services Inc.

Sports & Fitness Insurance Corporation (SFIC)

Earthquake & Related

Earthquake--Commercial

Amwins - 120+ Locations Worldwide

Canon Insurance Service

Element22 Insurance Services

FTP of California

J.E. Brown & Associates

James River Insurance Company

Monarch E&S Insurance Services

Orion Commercial Insurance Services Inc.

Pacific Excess Insurance Marketing

Poulton Associates

West Coast Excess & Surplus Brokerage LLC

Brooks Insurance Agency

Hudson Insurance Group / Hudson Pro (TM)

Jencap - Locations Nationwide

Specialty Insurance Services - Buffalo

Specialty

TAPCO Underwriters Inc.

Velocity Risk Underwriters LLC

Earthquake--Residential

Amwins - 120+ Locations Worldwide

Arrowhead General Insurance Agency Inc.

■ Canon Insurance Service

Monarch E&S Insurance Services

Orion Commercial Insurance Services Inc.

Associates

Specialty

TAPCO Underwriters Inc.

Earthquake/DIC

& Murison Inc.

Arrowhead General Insurance Agency Inc.

Cosmetic Insurance Services, a division of EPIC Brokers

CRC Insurance Services

Wholesale Insurance Brokerage Inc.

Commercial Insurance Services Inc.

Exceptional Risk Advisors LLC

James Klein Insurance

Prime Insurance Company

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Entertainment (General)

American Specialty Insurance & Risk Services Inc.

Amwins - 120+ Locations Worldwide

Aspera Insurance

Exceptional Risk Advisors LLC

James Klein Insurance

Kinsale Insurance Company

MexiPass International Insurance Services LLC

U.S. Risk LLC

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Event Weather Insurance

BUA LLC

Gateway Specialty Insurance

Film & TV Producers Indemnity (Cast)

Exceptional Risk Advisors LLC

U.S. Risk LLC

Live Theatrical Risks

www.insurancehelper.com

Media Special Perils

EmergIn Risk

Non-Appearance

Exceptional Risk Advisors LLC

Terrorism/Active Assailant

Exceptional Risk Advisors LLC

Touring Entertainers

Exceptional Risk Advisors LLC Weather

Philadelphia Insurance Companies

Prime Insurance Company

Specialty Alternative Energy Plants

Philadelphia Insurance Companies

Crop Dusting & Spraying

Specialty Disposal Sites Non-Owned

Hill Associates

Insurance Services - Buffalo

Insurance Services Inc.

Insurance Companies

Managers Insurance Services

Insurance Services (VA)

Group

General Ins. Agency Inc.

Managers Insurance Services ■■■■ ■ USASIA Insurance Services ■ ■ ■

USG Insurance Services Inc. ■

Virtue Risk Partners LLC ■■■

Geothermal Energy Projects ■ ■ ■ ■ ■ Global Special Risks ■ ■ ■ ■ ■ James River Insurance Company ■ ■ ■ ■ ■ PERse ■ ■ ■ ■ ■ Philadelphia Insurance Companies ■ ■ ■ ■ ■ Virtue Risk Partners LLC

Ground Crop Dusting & Spraying ■ ■ ■ ■ ■ XPT Specialty

Hazardous Waste Hauling ■ ■ ■ ■ ■ Amwins - 120+ Locations Worldwide ■ ■ ■ ■ ■ Beacon Hill Associates ■ ■ ■ ■ ■ eKo Specialty Insurance Services Inc. ■ ■ ■ ■ ■ Freberg Environmental Inc. ■■■■ ■ Pacific Gateway Insurance Agency ■ ■ ■ ■ ■ Target Managers Insurance Services

Hazardous Waste Storage & Disposal Facilities ■ ■ ■ ■ ■ Beacon Hill Associates ■ ■ ■ ■ ■ eKo Specialty Insurance Services Inc. ■ ■ ■ ■ ■ Freberg Environmental Inc. ■ ■ ■ ■ ■ James River Insurance Company ■ ■ ■ ■ ■ Philadelphia Insurance Companies ■ ■ ■ ■ ■ Target Managers Insurance Services ■ ■ ■ ■ ■ Virtue Risk Partners LLC

Hospitals & Healthcare

■ ■ ■ ■ ■ eKo Specialty Insurance Services Inc.

Hydro Energy Projects

■ ■ ■ ■ ■ PERse

Landfills (Sanitary)

■ ■ ■ ■ ■ Beacon Hill Associates

■ ■ ■ ■ ■ Freberg Environmental Inc.

■ ■ ■ ■ ■ Jencap - Locations Nationwide

■ ■ ■ ■ ■ Jencap Specialty Insurance Services (Environmental)

■ ■ ■ ■ ■ Philadelphia Insurance Companies

Lenders Environmental Cost

■ ■ ■ ■ ■ Beacon Hill Associates

■ ■ ■ ■ ■ eKo Specialty Insurance Services Inc.

■ ■ ■ ■ ■ Freberg Environmental Inc.

Mining Operations

■ ■ ■ ■ ■ Commercial Sector Insurance Brokers LLC ■ ■ ■ ■ ■ James River Insurance Company

Non-Hazardous Waste Hauling ■ ■ ■ ■ ■ Philadelphia Insurance Companies

Pollution (General)

■ ■ ■ ■ ■ Beacon Hill Associates ■ ■ ■ ■ ■ Boston Insurance Brokerage LLC

■ ■ ■ ■ ■ Donald Gaddis Co. Inc. Insurance Services

■ ■ ■ ■ ■ eKo Specialty Insurance Services Inc. ■■ ■ ■ ■ Indemnity Excess & Surplus Agency Inc.

■ ■ ■ ■ ■ James River Insurance Company ■ ■ ■ ■ ■ Jencap - Locations Nationwide ■ ■ ■ ■ ■ Jencap Specialty Insurance Services (Environmental) ■ ■ ■ ■ ■ Kinsale Insurance Company ■■■ ■ ■ NeitClem Wholesale Insurance Brokerage Inc. ■■■■ ■ Orion Commercial Insurance Services Inc. ■ ■ ■ ■ ■ PartnerOne Environmental ■ ■ ■ ■ ■ Philadelphia Insurance Companies ■ ■ ■ ■ ■ Quadrant Insurance Managers ■ ■ ■ ■ ■ RT Specialty ■ ■ ■ ■ ■ Virtue Risk Partners LLC

Pollution Above Ground ■ ■ ■ ■ ■ Beacon Hill Associates ■ ■ ■ ■ ■ eKo Specialty Insurance Services Inc. ■ ■ ■ ■ ■ Freberg Environmental Inc. ■

Specialty Insurance Services (Environmental)

PartnerOne Environmental

Philadelphia Insurance Companies

Virtue Risk Partners LLC

Real Estate Owner Asbestos Abatement

Beacon Hill Associates

Freberg Environmental Inc.

Jencap - Locations Nationwide

Jencap Specialty Insurance Services (Environmental)

PartnerOne Environmental

Solar Energy Products and Installers

Berkley Fire & Marine

James River Insurance Company

Jencap - Locations Nationwide

Jencap Specialty Insurance Services (Environmental)

Kinsale Insurance Company

PERse

Philadelphia Insurance Companies

Specialty

Shield Commercial Insurance Services

Underground Fuel Tank Pollution Liability

Apollo General Ins. Agency Inc.

Freberg Environmental Inc.

Jencap - Locations Nationwide

Jencap Specialty Insurance Services (Environmental)

Philadelphia Insurance Companies

Underground Storage Tanks

Apollo General Ins. Agency Inc.

eKo Specialty Insurance Services Inc.

First Choice Ins Intermediaries

Freberg Environmental Inc.

Jencap - Locations Nationwide

Jencap Specialty Insurance Services (Environmental)

Jencap Specialty Insurance Services - Buffalo

PartnerOne Environmental

Philadelphia Insurance Companies

USG Insurance Services Inc.

Virtue Risk Partners LLC Wind Energy Projects

Berkley Fire & Marine

PERse

Equipment/Machinery/Tools

Agricultural Equipment

Agricultural Insurance Mgmt Services

Berkley Fire & Marine

Global Special Risks

Gridiron Insurance Underwriters Inc.

Safehold Special Risk

XPT Specialty Boiler & Machinery (High Value Objects)

Agricultural Insurance Mgmt Services

Boston Insurance Brokerage LLC

Coastal Insurance Underwriters Inc.

MiniCo Insurance Agency, a Jencap Company

Computer Equipment

■ ■ ■ ■ Gridiron Insurance Underwriters Inc.

Equipment Dealers

Admiral Insurance Group

■ Ascinsure Specialty Risk

■ ■ Ashley General Agency

■ ■ Berkley Fire & Marine

Aspera Insurance

Joseph Chiarello & Co., Inc.; Firearms Business Ins.

Kinsale Insurance Company

■ ■ ■ Prime Insurance Company ■ ■ ■ ■ ■ UFG Specialty

Food Processors ■ ■ ■ ■ ■ XPT Specialty

Forestry Equipment

■ ■ ■ ■ Arrowhead General Insurance Agency Inc.

Specialty Risk

■ ■ ■ ■ Continental Underwriters Inc.

■ ■ ■ ■ Safehold Special Risk

Gas Cogeneration ■ ■ ■ ■ ■ UFG Specialty

Logging Operations

Specialty Risk

Underwriters Inc.

Specialty

Insurance Managers

Hall & Company Inc.

Insurance Group Inc.

/ NFP

Solutions PBS LLC

James River Insurance Company

Professional Underwriters Agency (PUA)

ProSurance Group, a Div of One80 Intermediaries

Quadrant Insurance Managers

Synergy Professional Associates Inc.

World Wide Specialty, a Div of Philadelphia Ins Co’s

Solutions PBS LLC

Braishfield Associates, a div of Hull & Company LLC

Coastal Insurance Underwriters Inc.

Element22 Insurance Services

Flood Risk Solutions Inc.

James River Insurance Company

Monarch E&S Insurance Services

Orchid Insurance

Orion Commercial Insurance Services Inc.

Poulton Associates

Safehold Special Risk

Liability Commercial

AmeriTrust Group

AMIS/Alliance Marketing & Insurance Services LLC

Anderson & Murison Inc.

Apollo General Ins. Agency Inc.

Aspera Insurance

Boston Insurance Brokerage LLC

Brownyard Group

Builders & Tradesmen’s Insurance Services Inc. (BTIS)

Canon Insurance Service

Distinguished Programs

EmergIn Risk

Erickson-Larsen Inc.

Life Science Specialty LLC

of California

Special Risks

& Compass Insurance

Insurance Underwriters Inc.

- Locations Nationwide

Hall & Company Inc.

Farm

Dairies

Animal Commercial Risks

Agricultural Insurance Mgmt Services

XPT Specialty

Equestrian & Equine-Related Business

Agricultural Insurance Mgmt Services

Concorde General Agency

Equine Insurance Specialists LLC

James Klein Insurance

RT Specialty

Horse Breeders/Boarders

Agricultural Insurance Mgmt Services

Equine Insurance Specialists LLC

Risk Placement Services Sacramento

Horse Farms

Agricultural Insurance Mgmt Services

Concorde General Agency

Equine Insurance Specialists LLC

XPT Specialty

Horse Mortality Surgical & Medical

Agricultural Insurance Mgmt Services

Equine Insurance Specialists LLC

James Klein Insurance

Livestock Comm. Feedlot Reporting Farm

Concorde General Agency

Livestock--Care, Custody or Control

Agricultural Insurance Mgmt Services

XPT Specialty

Pet & Feed Supply Stores

XPT Specialty

Poultry Houses

Racehorses

Associates, a div of Hull & Company LLC

First Insurance Services Inc.

Insurance Underwriters Inc.

Insurance Services, a division of EPIC Brokers

Excess & Surplus Agency Inc.

Continental Brokers Inc.

Agricultural Insurance Mgmt Services

Equine Insurance Specialists LLC

Rodeos & Horse Shows

Equine Insurance Specialists LLC

McGowan Allied Specialty Insurance

Saddle Animal Liability

Equine Insurance Specialists LLC

McGowan Allied Specialty Insurance

Farm & Ranch Owners Cannabis / Marijuana Growers

GMI Insurance Services

Grand General Agency

Jencap - Locations Nationwide

Jimcor Agencies

Legacy Employer Concepts LLC

M.J. Hall & Company Inc.

Professional Program Ins. Brokerage, a Div of SPG Ins.

Commercial Agribusiness

Agricultural Insurance Mgmt Services

American Management Corporation

GMI Insurance Services

Legacy Employer Concepts LLC

XPT Specialty

Farm & Ranch Owners Equipment

Agricultural Insurance Mgmt Services Farm & Ranch Owners Liability (only)

Joseph Krar & Associates Inc. FRO Package

Continental Brokers Inc.

Grand General Agency

James Klein Insurance

Risk Placement Services Sacramento

Lloyd & Associates, A Member

Investment Advisors

Group, a Div of One80 Intermediaries Lenders

Inc.

M&A Insurance Solutions LLC

Flood & Related

Poulton Associates

Insurance Flood--Commercial

- 120+ Locations Worldwide

Anderson & Murison Inc.

Ascendant Insurance Solutions

Bass Underwriters

Boston Insurance Brokerage LLC

Coastal Insurance Underwriters Inc.

Cosmetic Insurance Services, a division of EPIC Brokers

Element22 Insurance Services

Flood Risk Solutions Inc.

FTP of California

Gridiron Insurance Underwriters Inc.

Jencap - Locations Nationwide

Jimcor Agencies

MAXIMUM

Number One Insurance Agency

Orchid Insurance

Orion Commercial Insurance Services Inc.

Pacific Excess Insurance Marketing

Poulton Associates

REInsurePro

reThought Insurance

Safehold Special Risk

Amwins - 120+ Locations Worldwide

Anderson & Murison Inc.

Ascendant Insurance Solutions

Bass Underwriters

Flood Risk Solutions Inc.

Foremost Insurance Group

FTP of California

Grand General Agency

Gridiron Insurance Underwriters Inc.

Jimcor Agencies

Number One Insurance Agency

Insurance

Auto Dealers

American Management Corporation

Amwins - 120+ Locations Worldwide

CID Insurance Programs Inc.

DMI Insurance Services

Executive Insurance Professionals, PLLC

Gorst & Compass Insurance

Hull & Company

Mexico Insurance Online

RSI International Inc.

Sun Coast General Insurance Agency

Victor Insurance Managers Inc.

Auto Service and Repair

Anderson & Murison Inc.

Arrowhead General Insurance Agency Inc.

Braishfield Associates, a div of Hull & Company LLC

CID Insurance Programs Inc.

Cochrane and Company

Continental Brokers Inc.

DMI Insurance Services

■ Erickson-Larsen Inc.

■■■■ ■ Gorst & Compass Insurance ■ ■ ■ ■ ■ IPC

■ ■■■■ Joseph Krar & Associates Inc. ■ ■ ■ ■ ■ Kinsale Insurance Company ■ ■ ■ ■ ■ M.J. Hall & Company Inc. ■ ■ ■ ■ ■ Nationwide ■ ■ ■ ■ ■ Philadelphia Insurance Companies

■■■ ■ ■ Southwest Risk ■ ■ ■ ■ ■ USG Insurance Services Inc.

■ ■ ■ ■ ■ Walter General Agency (WGA)

■■■■ ■ XPT Specialty

Garage Keepers Auto Services

■ ■ ■ ■ ■ Arrowhead General Insurance Agency Inc. ■ ■ ■ ■ ■ IPC ■ ■ ■ ■ ■ Jencap - Locations Nationwide ■ ■ ■ ■ ■ M.J. Hall & Company Inc. ■■ ■ ■ ■ RSI International Inc.

Garage Keepers Legal Liability/Dealers Open Lot ■ ■ ■ ■ ■ Atlas General Insurance Services, An RPS Company ■■■ ■ ■ Brecht & Associates ■ ■ ■ ■ ■ International Transportation & Marine Agency Inc. ■ ■ ■ ■ ■ Jencap - Locations Nationwide ■ ■ ■ ■ ■ Jencap Specialty Insurance Services - Buffalo ■■ ■ ■ ■ McLeckie Insurance Group ■ ■ ■ ■ ■ RSI International Inc. ■ ■ ■ ■ ■ USG Insurance Services Inc. ■ ■ ■ ■ ■ Victor Insurance Managers Inc. ■■■ ■ ■ Western Surplus Lines Agency Inc.

Garage Liability ■ ■ ■ ■ ■ American Management Corporation

AmeriTrust Group

Amwins - 120+ Locations Worldwide

Ascendant Insurance Solutions

Ashley General Agency

Aspera Insurance

Bass Underwriters

CID Insurance Programs Inc.

Used Car Dealers

American Management Corporation

Amwins - 120+ Locations Worldwide

Ascendant Insurance Solutions ■■■

Brecht & Associates

Cochrane and Company ■■■■ ■ DMI Insurance Services ■

■ Erickson-Larsen Inc. ■■■■ ■ Gorst & Compass Insurance

■ ■ J.M. Wilson

Joseph Krar & Associates Inc.

McLeckie Insurance Group

■ ■ ■ ■ National Indemnity Company

■ ■ ■ ■ RSI International Inc. ■■■■ ■ Sun Coast General Insurance Agency

■ ■ ■ ■ USG Insurance Services Inc. ■ ■ ■ ■ ■ Victor Insurance Managers Inc.

■ ■ ■ ■ Walter General Agency (WGA)

Hospitality

Banquet Halls

Jencap - Locations Nationwide

www.insurancehelper.com

Bars/Night Clubs ■

American Management Corporation

■ Aspera Insurance

■ Bass Underwriters ■ ■ ■ ■ ■ Braishfield Associates, a div of Hull & Company LLC ■■■ ■ ■ Brecht & Associates

■ ■ ■ ■ CapSpecialty ■■■■ ■ Cochrane and Company ■ ■ ■ ■ ■ CRC Insurance Services ■ ■ ■■ ■ Erickson-Larsen Inc. ■■■ ■ ■ Executive Insurance Professionals, PLLC ■ ■ ■ ■ ■ Flood Risk Solutions Inc. ■■■■ ■ Gorst & Compass Insurance ■ ■ ■ ■ ■ Integrated Specialty Coverages (ISC) ■ ■ ■ ■ ■ J.M. Wilson ■ ■ ■ ■ ■ James River Insurance Company

Jencap - Locations Nationwide

Jencap Specialty Insurance Services - Buffalo

Jimcor Agencies

M.J. Hall & Company Inc.

MAXIMUM

Pacific Excess Insurance Marketing

Prime Insurance Company

Professional Liability Ins. Svcs - Underwriting Facilities

RT Specialty

Specialty Insurance

TAPCO Underwriters Inc.

U.S. Risk LLC

USASIA Insurance Services

XPT

Bed & Breakfasts

Berkley Select | a Berkley Company

Erickson-Larsen Inc.

Professional Liability Ins. Svcs - Underwriting Facilities

The McGowan Companies

Breweries/Micro

Brecht & Associates

Integrated Specialty Coverages (ISC)

Philadelphia Insurance Companies

Casinos

Caterers

American Specialty Insurance & Risk Services Inc.

MAXIMUM

The McGowan Companies

Executive Insurance Professionals, PLLC

Jencap - Locations Nationwide

Nautilus Insurance Co. & Great Divide Ins. Co.

Professional Liability Ins. Svcs - Underwriting Facilities

Specialty Insurance

TAPCO Underwriters Inc.

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Dinner Theaters

Jencap - Locations Nationwide

Philadelphia Insurance Companies

Professional Liability Ins. Svcs - Underwriting Facilities

Ashley General Agency

Erickson-Larsen Inc.

James River Insurance Company

Jencap - Locations Nationwide

NeitClem Wholesale Insurance Brokerage Inc.

Prime Insurance Company

Inc.

Executive Insurance Professionals, PLLC

Flood Risk Solutions Inc.

FTP of California

Gorst & Compass Insurance

Grand General Agency

Jencap - Locations Nationwide

NeitClem Wholesale Insurance Brokerage Inc.

Pacific Excess Insurance Marketing

Patriot National Underwriters Inc.

Professional Liability Ins. Svcs - Underwriting Facilities

Risk Placement Services Sacramento

Roush Insurance Services Inc.

TAPCO Underwriters Inc.

The McGowan Companies

Internet Risks

Resorts

Gerald J. Wilkoff Inc.

American Specialty Insurance & Risk Services Inc.

Philadelphia Insurance Companies

Professional Liability Ins. Svcs - Underwriting Facilities

The McGowan Companies Restaurants

American Management Corporation

AmeriTrust Group

Amwins - 120+ Locations Worldwide

Anderson & Murison Inc.

Arrowhead General Insurance Agency Inc.

Ascendant Insurance Solutions

Aspera Insurance

Bass Underwriters

Berkley Select | a Berkley Company

Braishfield Associates, a div of Hull & Company LLC

Brecht & Associates

Builders & Tradesmen’s Insurance Services Inc. (BTIS)

CapSpecialty

CID Insurance Programs Inc.

Cochrane and Company

Continental Brokers Inc.

Erickson-Larsen Inc.

Flood Risk Solutions Inc.

FTP of California

Integrated Specialty Coverages (ISC)

IPC

J.M. Wilson

Jencap - Locations Nationwide

Legacy Employer Concepts LLC

M.J. Hall & Company Inc.

MAXIMUM

McLeckie Insurance Group

Nautilus Insurance Co. & Great Divide Ins. Co.

Norman-Spencer Agency LLC

Pacific Excess Insurance Marketing

Pathpoint

Patriot National Underwriters Inc.

Philadelphia Insurance Companies

Professional Liability Ins. Svcs - Underwriting Facilities

Risk Placement Services Sacramento

General Agency (WGA)

American Management Corporation

AmeriTrust Group

Ascinsure Specialty Risk

Atlas General Insurance Services, An RPS Company

Bass Underwriters

Berkley Fire & Marine

Boston Insurance Brokerage LLC

Canon Insurance Service

Commercial Sector Insurance Brokers LLC

Gridiron Insurance Underwriters Inc.

Indemnity Excess & Surplus Agency Inc.

Jencap - Locations Nationwide

Kinsale Insurance Company

MacAfee & Edwards Inc. - Mexican Insurance Specialist

McLeckie Insurance Group

NeitClem Wholesale Insurance Brokerage Inc.

Orion Commercial Insurance Services Inc.

Safehold Special Risk

Shield Commercial Insurance Services

The Hanover Insurance Group

U.S. Risk LLC

Specialty

Victor Insurance Managers Inc.

Apollo General Ins. Agency Inc.

Ascinsure Specialty Risk

Ashley General Agency

Atlas General Insurance Services, An RPS Company

Berkley Fire & Marine

Builders & Tradesmen’s Insurance Services Inc. (BTIS)

Continental Underwriters Inc.

Executive Insurance Professionals, PLLC

First Choice Ins Intermediaries

Global Special Risks

Grand General Agency

Gridiron Insurance Underwriters Inc.

Jencap - Locations Nationwide

Kinsale Insurance Company

MacAfee & Edwards Inc. - Mexican Insurance Specialist

McLeckie Insurance Group

Nautilus Insurance Co. & Great Divide Ins. Co.

Norman-Spencer Agency LLC

Patriot National Underwriters Inc.

Safehold Special Risk

Shelly, Middlebrooks & O’Leary Inc.

Shield Commercial Insurance Services

SIS Wholesale Insurance Services

UFG Specialty

USASIA Insurance Services

Walter General Agency (WGA)

Western Surplus Lines Agency Inc.

Continental Underwriters Inc.

Gridiron Insurance Underwriters Inc.

International Transportation & Marine Agency Inc.

IPA Risk Management LLC

Jencap - Locations Nationwide

Kinsale Insurance Company

MacAfee & Edwards Inc. - Mexican Insurance Specialist

McLeckie Insurance Group

MexiPass International Insurance Services LLC

Norman-Spencer Agency LLC

Patriot National Underwriters Inc.

RockLake Insurance Group Inc.

Shelly, Middlebrooks & O’Leary Inc.

Sun Coast General Insurance Agency

Transportation Risk Underwriters

Walter General Agency (WGA)

Personal Property Floaters

Braishfield Associates, a div of Hull & Company LLC

Monarch E&S Insurance Services

Orchid Insurance

RT Specialty

Warehousemens Liability

AmeriTrust Group

Aspera Insurance

Berkley Fire & Marine

Cosmetic Insurance Services, a division of EPIC Brokers

Gridiron Insurance Underwriters Inc.

International Transportation & Marine Agency Inc.

Risks

E&S Insurance Services (VA)

Agentic Insurance LLC

Insurance Solutions

Brownyard Group

Builders & Tradesmen’s Insurance Services Inc. (BTIS)

Concorde General Agency

Cooper & McCloskey Inc.

Cosmetic Insurance Services, a division of EPIC Brokers

Eaton Professional Insurance Services

Specialty Insurance Services Inc.

EmergIn Risk

First Choice Ins Intermediaries

Gerald J. Wilkoff Inc.

Grand General Agency

Indemnity Excess & Surplus Agency Inc.

Irwin Siegel Agency

Jencap - Locations Nationwide

Jencap Specialty Insurance Services - Buffalo

Mover’s Choice

Norman-Spencer Agency LLC

Quadrant Insurance Managers

RISCO Insurance Brokerage Inc.

RPS Technology & Cyber

RT Specialty

Southwest Risk

McGowan Companies

Insurance Services Inc.

Insurance Managers Inc.

Liability

River Insurance Company

- Locations Nationwide

Kinsale Insurance Company

Nautilus Insurance Co. & Great Divide Ins. Co.

Quadrant Insurance Managers

REInsurePro

Southwest Risk

TAPCO Underwriters Inc.

Comprehensive Personal Liability (CPL)

Anderson & Murison Inc.

Braishfield Associates, a div of Hull & Company LLC

Concorde General Agency

Orchid Insurance

Risk Placement Services Sacramento

RT Specialty

TAPCO Underwriters Inc.

General Liability (GL)

Admiral Insurance Group

American Management Corporation

Anderson & Murison Inc.

Ascendant Insurance Solutions

Aspera Insurance

Bass Underwriters

Breckenridge Insurance

Charity First Insurance Services Inc.

CID Insurance Programs Inc.

Coastal Insurance Underwriters Inc.

Continental Underwriters Inc.

Cosmetic Insurance Services, a division of EPIC Brokers

CRC Insurance Services

Distinguished Programs

Element22 Insurance Services

Euclid Life Science Specialty LLC

Executive Insurance Professionals, PLLC

First Choice Ins Intermediaries

GMI Insurance Services

Grand General Agency

Indemnity Excess & Surplus Agency Inc.

Irwin Siegel Agency

James Klein Insurance

James River Insurance Company

Jencap - Locations Nationwide

Jencap Specialty Insurance Services - Buffalo

Joseph Krar & Associates Inc.

Kinsale Insurance Company

M.J. Hall & Company Inc.

McLeckie Insurance Group

Underwriting Managers LLC

Wholesale Insurance Brokerage Inc.

International Inc.

International Transportation & Marine Agency Inc.

McLeckie Insurance Group

Access E&S Insurance Services (VA)

All Solutions PBS LLC

Builders & Tradesmen’s Insurance Services Inc. (BTIS)

& McCloskey Inc.

Risk

Indemnity Excess & Surplus Agency Inc.

- Locations Nationwide

Wholesale Insurance Brokerage Inc.

Technology & Cyber

The Hanover Insurance Group

Risks

Insurance Services, a division of EPIC Brokers

J. Wilkoff Inc.

Technology & Cyber

Service Providers

Designers

E&S Insurance Services (VA)

AmeriTrust Group

Ascendant Insurance Solutions

Aspera Insurance

Atlas General Insurance Services, An RPS Company

Bass Underwriters

Brecht & Associates

Builders & Tradesmen’s Insurance Services Inc. (BTIS)

CapSpecialty

CID Insurance Programs Inc.

Distinguished Programs

Gorst & Compass Insurance

HabPro Insurance

IPA Risk Management LLC

J.M. Wilson

James River Insurance Company

Jencap - Locations Nationwide

Nationwide

Nautilus Insurance Co. & Great Divide Ins. Co.

Orion Commercial Insurance Services Inc.

Pacific Excess Insurance Marketing

Pathpoint

Philadelphia Insurance Companies

Quirk & Company

REInsurePro ■■■■ ■ Risk Placement Services Sacramento ■ ■ ■■■ Roush Insurance Services Inc. ■ ■ ■ ■ ■ The McGowan Companies ■ ■ ■ ■ ■ Western World Insurance Group

Owners, Landlords & Tenants (OLT) ■ ■ ■ ■ ■ Admiral Insurance Group ■ ■ ■ ■ ■ Aspera Insurance ■ ■ ■ ■ ■ Distinguished Programs ■ ■ ■ ■ ■ James River Insurance Company ■ ■ ■ ■ ■ Jencap - Locations Nationwide ■■■■ ■ Orion Commercial Insurance Services Inc. ■ ■ ■ ■ ■ Philadelphia Insurance Companies ■ ■ ■ ■ ■ REInsurePro ■ ■ ■

Hull & Company

Indemnity Excess & Surplus Agency Inc.

Jencap - Locations Nationwide

Jencap Specialty Insurance Services - Buffalo

Jimcor Agencies

Number One Insurance Agency

Pacific Excess Insurance Marketing

Roush Insurance Services Inc.

RSI International Inc.

Specialty

■ ■ Shelly, Middlebrooks & O’Leary Inc.

Specialty Insurance

Sports & Wellness Insurance

TAPCO Underwriters Inc.

U.S. Risk LLC

USASIA Insurance Services

www.insurancehelper.com

Liquor Liability Host ■ ■ ■ ■ ■ Jencap - Locations Nationwide

TAPCO Underwriters Inc.

www.insurancehelper.com

Manufacturing Risks

Ammunition Manufacturers ■ ■ ■ ■ ■ Aspera Insurance

■ ■ ■ ■ Cochrane and Company

■ ■ ■ James River Insurance Company

■ ■ ■ Joseph Chiarello & Co., Inc.; Firearms Business Ins.

UFG Specialty

Building Supplies ■

■ ■ ■ Continental Underwriters Inc.

GMI Insurance Services

Chemical Manufacturers ■ ■ ■ ■ ■ Access E&S Insurance Services (VA)

■ ■ ■ ■ Beacon Hill Associates

■ ■ ■ ■ Cosmetic Insurance Services, a division of EPIC Brokers ■ ■ ■ ■ ■ James River Insurance Company ■ ■ ■ ■ ■ Jencap - Locations Nationwide ■ ■ ■ ■ ■ Jencap Specialty Insurance Services (Environmental) ■■■ ■ ■ NeitClem Wholesale Insurance Brokerage Inc. ■ ■ ■ ■ ■ Quaker Special Risk, a Jencap Company (Florida & Mass.) ■ ■ ■ ■ ■ Quaker Special Risk, a Jencap Company (New Jersey)

Electrical & Electronic Equip. Manufacturers ■ ■ ■ ■ ■ GMI Insurance Services ■ ■ ■ ■ ■ Jencap - Locations Nationwide ■ ■ ■ ■ ■ Philadelphia Insurance Companies ■■ ■ ■ ■ Quirk & Company ■ ■ ■ ■ ■ UFG Specialty

Marine

Boat

Boat Manufacturers

Marine Managers

Boat Repair Operations - Yards

Marine Managers

Sun Coast General Insurance Agency

Boat/PWC Rental Operations

Cargo

Markel Personal Lines

Kinsale Insurance Company

Transportation Risk Underwriters

Charter Boats - Bareboat

Markel Personal Lines

Charter Boats - Skippered

Markel Personal Lines

Sun Coast General Insurance Agency

Commercial Marine

J.M. Wilson

Container (Marine) Insurance

International Transportation & Marine Agency Inc.

IPA Risk Management LLC

Excess Liability

LIG Marine Managers

Fishing Boats Commercial

Markel Personal Lines

Fishing Guides

Markel Personal Lines

High Performance Boats

Hull/P&I

Jencap - Locations Nationwide

Nautilus Insurance Co. & Great Divide Ins. Co.

Orion Commercial Insurance Services Inc.

Liquor Liability

Food Manufacturers/Producers ■ ■ ■ ■ ■ James River Insurance Company ■ ■ ■ ■ ■ Jencap - Locations Nationwide ■■■ ■ ■ NeitClem Wholesale Insurance Brokerage Inc. ■ ■ ■ ■ ■ Pacific Excess Insurance Marketing ■ ■ ■ ■ ■ Professional Liability Ins. Svcs - Underwriting Facilities

The McGowan Companies

UFG Specialty

Specialty

Furniture & Fixtures Manufacturers

Continental Underwriters Inc.

Independent Power Producers

GMI Insurance Services

Medical Equipment Manufacturers

Aspera Insurance

CRC Insurance Services

Euclid Life Science Specialty LLC

James Klein Insurance

James River Insurance Company

Jencap - Locations Nationwide

LifeScienceRisk

Professional Program Ins. Brokerage, a Div of SPG Ins.

Quaker Special Risk, a Jencap Company (Florida)

Quaker Special Risk, a Jencap Company (Mass.)

Quaker Special Risk, a Jencap Company (New Jersey)

Metal & Plastics Manufacturers

Boston Insurance Brokerage LLC

Continental Brokers Inc.

James River Insurance Company

Jencap - Locations Nationwide

Nautilus Insurance Co. & Great Divide Ins. Co.

Patriot National Underwriters Inc.

Philadelphia Insurance Companies

The McGowan Companies

Product Contamination/Recall

Cooper & McCloskey Inc.

American Risk Solutions

Kinsale Insurance Company

Professional Liability Ins. Svcs - Underwriting Facilities

Stone, Clay & Glass Manufacturers

Insurance Services

Markel Personal Lines

Amwins - 120+ Locations Worldwide

LIG Marine Managers

Markel Personal Lines

Sun Coast General Insurance Agency

U.S. Risk LLC

Jet Pump Boats

Markel Personal Lines

Jet Ski/PWC

Foremost Insurance Group

Markel Personal Lines

Marina Operators

Bass Underwriters

Continental Brokers Inc.

McGowan Allied Specialty Insurance

Mexico Insurance Online

Sun Coast General Insurance Agency

The Hanover Insurance Group

Marinas, Boat Dealers/Repairers

Builders & Tradesmen’s Insurance Services Inc. (BTIS)

Hull & Company

Marine Managers

Insurance Online

Pollution

Special Risk

Risk Partners LLC

Employers Liability (MEL)

Marine Managers

Marine

Group

Transportation & Marine Agency Inc.

Risk Management LLC

Wilson

Marine Managers

Hanover Insurance Group

Risk Underwriters

Insurance Services

Vessel - Excursions

Marine Managers

Personal Lines Personal Watercraft - Liability & Phys Damage

Foremost Insurance Group

Markel Personal Lines

Mexico Insurance Online

Mexpro.com / NFP

Pleasure Yachts

Bass Underwriters

Braishfield Associates, a div of Hull & Company LLC

Hull & Company

Markel Personal Lines

Mexpro.com / NFP

Insurance

Builders & Tradesmen’s Insurance Services Inc. (BTIS)

Care Providers Insurance Services

Charity First Insurance Services Inc.

CID Insurance Programs Inc.

Eaton Professional Insurance Services

First Choice Ins Intermediaries

Gateway Specialty Insurance

Grand General Agency

Irwin Siegel Agency

Brown & Associates

Jencap - Locations Nationwide

Control of Well/OEE

Specialty Insurance Services Inc.

Global Special Risks

Quirk & Company

Western Surplus Lines Agency Inc.

Offshore Oil Drilling & Service Risks

U.S. Risk LLC

& Gas Risks

Amwins - 120+ Locations Worldwide

Ashley General Agency

Aspera Insurance

Brecht & Associates

Breckenridge Insurance

Insurance Services

Global Special Risks

James River Insurance Company

Jencap - Locations Nationwide

Kinsale Insurance Company

Patriot National Underwriters Inc.

& Company

RMC Group

Specialty

Southwest Risk

U.S. Risk LLC

USG Insurance Services Inc.

Western Surplus Lines Agency Inc.

Petrochemical Risks

James River Insurance Company

Products Liability Chemical Products

Beacon Hill Associates

Canon Insurance Service

Cosmetic Insurance Services, a division of EPIC Brokers

James River Insurance Company

Jencap - Locations Nationwide

Jencap Specialty Insurance Services (Environmental)

Veracity Insurance Solutions

Chemical Properties

■ ■

■ ■

Jencap - Locations Nationwide

Jencap Specialty Insurance Services (Environmental)

Cosmetics Products ■ ■ ■ ■ ■ Brownyard Group ■■■■ ■ Canon Insurance Service

■ ■ ■ ■ Cosmetic Insurance Services, a division of EPIC Brokers

■ ■ ■ ■ Euclid Life Science Specialty LLC

■ ■ ■ ■ Nautilus Insurance Co. & Great Divide Ins. Co.

■ ■ ■ ■ Professional Program Ins. Brokerage, a Div of SPG Ins.

Quaker Special Risk, a Jencap Company (Florida)

Quaker Special Risk, a Jencap Company (Mass.)

Quaker Special Risk, a Jencap Company (New Jersey)

Hazardous Products ■■■■

Canon Insurance Service

Donald Gaddis Co. Inc. Insurance Services

eKo Specialty Insurance Services Inc.

James River Insurance Company

Jencap - Locations Nationwide

Jencap Specialty Insurance Services (Environmental)

Jimcor Agencies

UFG Specialty

USG Insurance Services Inc. Internet Risks

Veracity Insurance Solutions Medical Products

Access E&S Insurance Services (VA)

Admiral Insurance Group

Euclid Life Science Specialty LLC

Founders Professional

J.M. Wilson

James River Insurance Company

Professional Program Ins. Brokerage, a Div of SPG Ins.

Specialty

Gaddis Co. Inc. Insurance Services

Life Science Specialty LLC

Philadelphia Insurance Companies

Pharmaceuticals

Admiral Insurance Group

Euclid Life Science Specialty LLC

Founders Professional

Hull & Company

James River Insurance Company

Jencap - Locations Nationwide

LifeScienceRisk

RT Specialty

Veracity Insurance Solutions

Product Contamination/Recall

All Solutions PBS LLC

Amwins - 120+ Locations Worldwide

Cooper & McCloskey Inc.

Great American Risk Solutions

Jencap - Locations Nationwide

Jencap Specialty Insurance Services (Environmental)

Jimcor Agencies

Veracity Insurance Solutions

Products Liability (General)

Admiral Insurance Group

Amwins - 120+ Locations Worldwide

Ashley General Agency

Aspera Insurance

Bass Underwriters

Boston Insurance Brokerage LLC

Canon Insurance Service

Commercial Sector Insurance Brokers LLC

Continental Underwriters Inc.

Cosmetic Insurance Services, a division of EPIC Brokers

CRC Insurance Services

Donald Gaddis Co. Inc. Insurance Services

Euclid Life Science Specialty LLC

Gorst & Compass Insurance

Great American Risk Solutions

Indemnity Excess & Surplus Agency Inc.

J.M. Wilson

James Klein Insurance

James River Insurance Company

Jencap - Locations Nationwide

Specialty Insurance Services - Buffalo

Kinsale Insurance Company

E&S Insurance Services

Nautilus Insurance Co. & Great Divide Ins. Co.

NeitClem Wholesale Insurance Brokerage Inc.

Nonprofits Insurance Alliance

Commercial Insurance Services Inc.

Pacific Excess Insurance Marketing

National Underwriters Inc.

Insurance Companies

Program Ins. Brokerage, a Div of SPG Ins.

Mechanic Group, A Div of Specialty Programs Group

Insurance Services

Insurance Services Inc.

General Agency (WGA)

Insurance Services, a division of EPIC Brokers

Life Science Specialty LLC

James River Insurance Company

Professional Program Ins. Brokerage, a Div of SPG Ins.

Special Risk, a Jencap Company (Florida)

Quaker Special Risk, a Jencap Company (Mass.)

Quaker Special Risk, a Jencap Company (New Jersey)

& Company

Veracity Insurance Solutions

West Coast Excess & Surplus Brokerage LLC

Aspera Insurance

Atlas General Insurance Services, An RPS Company

Braishfield Associates, a div of Hull & Company LLC

Breckenridge Insurance

Brooks Insurance Agency

CID Insurance Programs Inc.

Cooper & McCloskey Inc.

Donald Gaddis Co. Inc. Insurance Services

Eaton Professional Insurance Services

Specialty Insurance Services Inc.

Founders Professional

Global Special Risks

Hull & Company

James River Insurance Company

NeitClem Wholesale Insurance Brokerage Inc.

Professional Underwriters Agency (PUA)

ProWriters

Quaker Special Risk, a Jencap Company (New Jersey)

Synergy Professional Associates Inc.

Target Professional Programs

■ ■ ■ ■ U.S. Risk LLC ■ ■ ■ ■ ■ Victor Insurance Managers Inc.

Asset Managers ■ ■ ■ ■ ■ Jamison Risk Services ■ ■ ■ ■ ■ Markel ■ ■ ■ ■ ■ ProSurance Group, a Div of One80 Intermediaries

Beauticians

■ ■ ■ ■ ■ AMIS/Alliance Marketing & Insurance Services LLC ■ ■ ■ ■ ■ Brooks Insurance Agency

■ ■ ■ ■ ■ Brownyard Group

■ ■ ■ ■ ■ Professional Program Ins. Brokerage, a Div of SPG Ins. ■■ ■ ■ ■ Shelly, Middlebrooks & O’Leary Inc. ■ ■ ■ ■ ■ Western World Insurance Group

Billing Services (Incl. Medical) ■ ■ ■ ■ ■ EmergIn Risk ■ ■ ■ ■ ■ Professional Underwriters Agency (PUA) ■ ■ ■ ■ ■ Quaker Special Risk, a Jencap Company (Florida) ■ ■ ■ ■ ■ Quaker Special Risk, a Jencap Company (Mass.) ■ ■ ■ ■ ■ U.S. Risk LLC

Broadcasters & Publishers ■ ■ ■ ■ ■ ARC West Coast Excess & Surplus Brokerage LLC ■ ■ ■ ■ ■ Cooper & McCloskey Inc. ■ ■ ■ ■ ■ EmergIn Risk

Computer & EDP Consultants ■ ■ ■ ■ ■ Donald Gaddis Co. Inc. Insurance Services ■■■■ ■ Eaton Professional Insurance Services ■■■ ■ ■ Executive Insurance Professionals, PLLC ■ ■ ■ ■ ■ Professional Underwriters Agency (PUA) ■ ■ ■ ■ ■ RPS Technology & Cyber ■ ■ ■ ■ ■ Synergy Professional Associates Inc.

Consultants (General) ■ ■ ■ ■ ■ Access E&S Insurance Services (VA) ■ ■ ■ ■ ■ Admiral Insurance Group ■ ■ ■ ■ ■ All Solutions PBS LLC ■ ■ ■ ■ ■ Balance Partners - Maven

CID Insurance Programs Inc.

Sector Insurance Brokers LLC

& McCloskey Inc.

Professional Insurance Services

Risk

First Choice Ins Intermediaries

Global Special Risks

Indemnity Excess & Surplus Agency Inc.

James River Insurance Company

Nonprofits Insurance Alliance

Norman-Spencer International Inc.

Professional

Cyber Liability

Access E&S Insurance Services (VA)

Agentic Insurance LLC

All Solutions PBS LLC

Amwins - 120+ Locations Worldwide

Applied Financial Lines

ARC West Coast Excess & Surplus Brokerage LLC

Breckenridge Insurance

Brooks Insurance Agency

CID Insurance Programs Inc.

Cochrane and Company

Cooper & McCloskey Inc. ■■■■ ■ Eaton Professional Insurance Services ■ ■ ■ ■ ■ EmergIn Risk ■ ■ ■ ■ ■ Hull & Company ■ ■ ■ ■ ■ Irwin Siegel Agency ■ ■ ■ ■ ■ Jamison Risk Services ■ ■ ■ ■ ■ Jencap - Locations Nationwide ■ ■ ■ ■ ■ Markel ■ ■ ■ ■ ■ Philadelphia Insurance Companies ■ ■ ■ ■ ■ ProWriters ■■■ ■ ■ Quirk & Company

■ ■ ■ ■ RPS Technology & Cyber

■ ■ ■ ■ Synergy Professional Associates Inc.

■ ■ ■ ■ The McGowan Companies

■ ■ ■ ■ Transportation Risk Underwriters ■ ■ ■ ■ ■ U.S. Risk LLC ■ ■ ■ ■ ■ Veracity Insurance Solutions ■ ■ ■ ■ ■ World Wide Specialty, a Div of Philadelphia Ins Co’s

E&O (General) ■ ■ ■ ■ ■ 5Star Specialty Programs ■ ■ ■ ■ ■ Access E&S Insurance Services (VA) ■ ■ ■ ■ ■ Admiral Insurance Group ■ ■■■■ Agentic Insurance LLC ■ ■ ■ ■ ■ All Solutions PBS LLC ■■ ■ ■ ■ Allsouth Professional Liability ■ ■ ■ ■ ■ AMIS/Alliance Marketing & Insurance Services LLC ■ ■ ■ ■ ■ Anderson & Murison Inc.

■ ■ ■ ■ Applied Financial Lines ■ ■ ■ ■ ■ ARC West Coast Excess & Surplus Brokerage LLC ■■■ ■ ■ Ashley General Agency ■ ■ ■ ■ ■ Aspera Insurance ■ ■ ■ ■ ■ Balance Partners - Maven ■ ■ ■ ■ ■ Boston Insurance Brokerage LLC ■ ■ ■ ■ ■ Brooks Insurance Agency ■ ■ ■ ■ ■ Builders & Tradesmen’s Insurance Services Inc. (BTIS) ■ ■ ■ ■ ■ CapSpecialty

■ ■ ■ ■ CID Insurance Programs Inc.

■ ■■ ■ Cochrane and Company

CRC Insurance Services

Donald Gaddis Co. Inc. Insurance Services

Eaton Professional Insurance Services

eKo Specialty Insurance Services Inc.

EmergIn Risk

First Choice Ins Intermediaries

Grand General Agency

Hudson Insurance Group / Hudson Pro (TM)

Indemnity Excess & Surplus Agency Inc.

■ J.E. Brown & Associates

J.M. Wilson

James Klein Insurance

James River Insurance Company

Jamison Risk Services

Jencap - Locations Nationwide

Joseph Krar & Associates Inc.

Kinsale Insurance Company

Markel

MAXIMUM

NeitClem Wholesale Insurance Brokerage Inc.

Nonprofits Insurance Alliance

Philadelphia Insurance Companies

Professional Liability Ins. Svcs - Underwriting Facilities

Group, a Div of One80 Intermediaries

Insurance Managers

Insurance Services Inc.

Professional Associates Inc.

Berkley Select | a Berkley Company

Breckenridge Insurance

Brooks Insurance Agency

CID Insurance Programs Inc.

Coastal Insurance Underwriters Inc.

Cooper & McCloskey Inc.

Donald Gaddis Co. Inc. Insurance Services

Eaton Professional Insurance Services

eKo Specialty Insurance Services Inc.

Founders Professional

Grand General Agency

Hudson Insurance Group / Hudson Pro (TM)

Hull & Company

Indemnity Excess & Surplus Agency Inc.

Jamison Risk Services

Jimcor Agencies

NeitClem Wholesale Insurance Brokerage Inc.

Nonprofits Insurance Alliance

Pacific Excess Insurance Marketing

Philadelphia Insurance Companies

Professional Insurance Concepts

Professional Liability Ins. Svcs - Underwriting Facilities

ProWriters

Quadrant Insurance Managers

RPS Technology & Cyber

Synergy Professional Associates Inc.

Target Professional Programs

U.S. Risk LLC

World Wide Specialty, a Div of Philadelphia Ins Co’s

Environmental E&O

Access E&S Insurance Services (VA)

Applied Financial Lines

Beacon Hill Associates

Brooks Insurance Agency

Freberg Environmental Inc.

Philadelphia Insurance Companies

Quaker Special Risk, a Jencap Company (New Jersey)

Victor Insurance Managers Inc.

Executive Recruiters/Employment Agencies

Quaker Special Risk, a Jencap Company (Florida)

Quaker Special Risk, a Jencap Company (Mass.)

Farm Mgmt/Consultant

Professional Liability Ins. Svcs - Underwriting Facilities

Fiduciary Liability

Specialty Programs

West Coast Excess & Surplus Brokerage LLC

Brooks Insurance Agency

Gerald J. Wilkoff Inc.

Hudson Insurance Group / Hudson Pro (TM)

Indemnity Excess & Surplus Agency Inc.

Jamison Risk Services

Markel

Professional Insurance Concepts

Group, a Div of One80 Intermediaries

Technology & Cyber

Professional Associates Inc. Financial Institution

Specialty Programs

Financial Lines

West Coast Excess & Surplus Brokerage LLC

Insurance Agency

Insurance Group / Hudson Pro (TM)

Risk Services

Group, a Div of One80

Group, a Div of One80 Intermediaries

Insurance Managers

Professional Associates Inc.

Hudson Insurance Group / Hudson Pro (TM)

Jencap Specialty Insurance Services - Buffalo

MiniCo Insurance Agency, a Jencap Company

Number One Insurance Agency

Professional Insurance Concepts

Professional Liability Ins. Svcs - Underwriting Facilities

ProSurance Group, a Div of One80 Intermediaries

Quadrant Insurance Managers

Sun Coast General Insurance Agency

Synergy Professional Associates Inc.

Target Professional Programs

Designers

Allsouth Professional Liability

Professional Underwriters Agency (PUA)

Professional Insurance Services

ProSurance Group, a Div of One80 Intermediaries

Surveyors

Victor Insurance Managers Inc.

Architects

Victor Insurance Managers Inc.

5Star Specialty Programs

Agentic Insurance LLC

Allsouth Professional Liability

Applied Financial Lines

ARC West Coast Excess & Surplus Brokerage LLC

Aspera Insurance

AttPro Special Risk

Berkley Select | a Berkley Company

Breckenridge Insurance

Brooks Insurance Agency

Cooper & McCloskey Inc.

CRC Insurance Services

Grand General Agency

Hudson Insurance Group / Hudson Pro (TM)

Hull & Company

Indemnity Excess & Surplus Agency Inc.

J.M. Wilson

James River Insurance Company

Jamison Risk Services

Jencap - Locations Nationwide

Jencap Specialty Insurance Services - Buffalo

MiniCo Insurance Agency, a Jencap Company

Monarch E&S Insurance Services

Nautilus Insurance Co. & Great Divide Ins. Co.

NeitClem Wholesale Insurance Brokerage Inc.

Nonprofits Insurance Alliance

Norman-Spencer International Inc.

Professional Insurance Concepts

Professional Liability Ins. Svcs - Underwriting Facilities

Professional Program Ins. Brokerage, a Div of SPG Ins.

Professional Underwriters Agency (PUA)

ProWriters

Quadrant Insurance Managers

Quirk & Company

RT Specialty

Sports & Fitness Insurance Corporation (SFIC)

Sun Coast General Insurance Agency

Synergy Professional Associates Inc.

Target Professional Programs

The Hanover Insurance Group

The McGowan Companies

U.S. Risk LLC

Mortgage Brokers ■ ■■■■ Agentic Insurance LLC

Allsouth Professional Liability

Cooper & McCloskey Inc.

■ ■ ■ ■ Mexico Insurance Online

■ ■ ■ Norman-Spencer Agency LLC

■ ProWriters ■ ■ ■ ■ ■ Quaker Special Risk, a Jencap Company (Florida)

■ ■ ■ ■ Quaker Special Risk, a Jencap Company (Mass.) ■ ■ ■ ■ ■ RealCare Insurance

Party Coordinators ■ ■ ■ ■ ■ www.insurancehelper.com

Police/Law Enforcement Officers ■ ■ ■ ■ ■ American Public Risk

■ ■ ■ Izzo Insurance Services, A Div of Hull & Company LLC

■ ■ ■ ■ Professional Governmental Underwriters

Private Investigators

■ AMIS/Alliance Marketing & Insurance Services LLC ■ ■ ■ ■ ■ Brownyard Group ■ ■ ■ ■ ■ Izzo Insurance Services, A Div of Hull & Company LLC ■ ■ ■ ■ ■ XPT Specialty

Property Managers ■■ ■ ■ ■ Allsouth Professional Liability ■ ■ ■ ■ ■ ARC West Coast Excess & Surplus Brokerage LLC ■ ■ ■ ■ ■ CID Insurance Programs Inc. ■■ ■ ■ ■ Indemnity Excess & Surplus Agency Inc. ■ ■ ■ ■ ■ ProWriters ■ ■ ■ ■ ■ RealCare Insurance ■ ■ ■ ■ ■ Synergy Professional Associates Inc. ■ ■ ■ ■ ■ Victor Insurance Managers Inc.

Real Estate Agents

Agentic Insurance LLC

All Solutions PBS LLC

Allsouth Professional Liability

Braishfield Associates, a div of Hull & Company LLC

Brooks Insurance Agency

Eaton Professional Insurance Services

First Choice Ins Intermediaries

Indemnity Excess & Surplus Agency Inc.

Norman-Spencer Agency LLC

ProWriters

RealCare Insurance

Synergy Professional Associates Inc.

The Hanover Insurance Group

Victor Insurance Managers Inc.

Specialty

Real Estate Appraisers

Norman-Spencer Agency LLC

ProWriters

RealCare Insurance

Sun Coast General Insurance Agency

Target Professional Programs

Victor Insurance Managers Inc.

Registered Investment Advisors

Access E&S Insurance Services (VA)

First Choice Ins Intermediaries

ProSurance Group, a Div of One80 Intermediaries School Board/Public Officials

Allsouth Professional Liability

Professional Governmental Underwriters

Western World Insurance Group

Security Guard & Detective Agencies

AMIS/Alliance Marketing & Insurance Services LLC

Brownyard Group

Izzo Insurance Services, A Div of Hull & Company LLC

Prime Insurance Company

The Mechanic Group, A Div of Specialty Programs Group

Stand- Alone Fiduciary

Jamison Risk Services

Synergy Professional Associates Inc.

Stock Brokers

ProSurance Group, a Div of One80 Intermediaries

Tax Preparers

Norman-Spencer International Inc.

Professional Underwriters Agency (PUA)

ProSurance Group, a Div of One80 Intermediaries

Technology Professionals

5Star Specialty Programs

Access E&S Insurance Services (VA)

All Solutions PBS LLC

ARC West Coast Excess & Surplus Brokerage LLC

Brooks Insurance Agency

CID Insurance Programs Inc.

Donald Gaddis Co. Inc. Insurance Services

Eaton Professional Insurance Services

EmergIn Risk

First Choice Ins Intermediaries

Hudson Insurance Group / Hudson Pro (TM)

Indemnity Excess & Surplus Agency Inc.

ProWriters

Quadrant Insurance Managers

Quaker Special Risk, a Jencap Company (Florida)

Quaker Special Risk, a Jencap Company (Mass.)

RPS Technology & Cyber

Synergy Professional Associates Inc.

The Hanover Insurance Group

Telecommunications

■

The Hanover Insurance Group

Temporary Personnel Agencies

RPS Technology & Cyber

World Wide Specialty, a Div of Philadelphia Ins Co’s

Third Party Administrators

Agentic Insurance LLC

ARC West Coast Excess & Surplus Brokerage LLC

ProSurance Group, a Div of One80 Intermediaries

Synergy Professional Associates Inc.

Title Agents

Agentic Insurance LLC

Allsouth Professional Liability

Brooks Insurance Agency

Norman-Spencer Agency LLC

Travel Agents

EmergIn Risk

Mexico Insurance Online

Prime Insurance Company

ProWriters

Shelly, Middlebrooks & O’Leary Inc.

Truck Brokers

Greenwich Transportation Underwriters aka GTU

Transportation Risk Underwriters

Truck Drivers/Operators

Risk Strategies, Transportation Group

Vineyard Mgmt/Consultant

Professional Liability Ins. Svcs - Underwriting Facilities

Web Site Designers

Eaton Professional Insurance Services

ProWriters

RPS Technology & Cyber

Professional Liability--Medical

Insurance Agency

Insurance Programs Inc.

Insurance

Intermediaries

Specialty Insurance

General Agency

- Locations Nationwide

Kinsale Insurance Company ■ ■ ■ ■ ■ ProWriters ■ ■ ■ ■ ■ RPS Healthcare

■ ■ ■ Shelly, Middlebrooks & O’Leary Inc.

TDC Specialty Underwriters

Assisted Living Facilities ■ ■ ■ ■ ■ Amwins - 120+ Locations Worldwide

■ ■ ■ ■ Boston Insurance Brokerage LLC ■ ■ ■ ■ ■ Breckenridge Insurance ■ ■ ■ ■ ■ eKo Specialty Insurance Services Inc. ■ ■ ■ ■ ■ Great American Risk Solutions ■ ■ ■ ■ ■ James River Insurance Company ■ ■ ■ ■ ■ Jencap - Locations Nationwide ■ ■ ■ ■ ■ Promont Insurance Advisors ■ ■ ■ ■ ■ RPS Healthcare ■ ■ ■ ■ ■ Sapphire Blue ■ ■ ■ ■ ■ TDC Specialty Underwriters ■ ■ ■ ■ ■ U.S. Risk LLC

■ ■ ■ ■ ■ XPT Specialty

Clinical Trials

■ ■ ■ ■ ■ Access E&S Insurance Services (VA)

■ ■■■■ Agentic Insurance LLC

■ ■ ■ ■ ■ Cooper & McCloskey Inc.

■ ■ ■ ■ ■ Founders Professional

■ ■ ■ ■ ■ James River Insurance Company

■ ■ ■ ■ ■ Jencap - Locations Nationwide

■ ■ ■ ■ ■ Quaker Special Risk, a Jencap Company (New Jersey)

■ ■ ■ ■ ■ RT Specialty

College/University Health Centers

■ ■ ■ ■ ■ TDC Specialty Underwriters

Community Health Centers

■ ■ ■ ■ ■ Charity First Insurance Services Inc. ■ ■ ■ ■ ■ Founders Professional ■ ■ ■ ■ ■ Gateway Specialty Insurance ■ ■ ■ ■ ■ Negley Associates ■ ■ ■ ■ ■ Nonprofits Insurance Alliance ■ ■ ■ ■ ■ TDC Specialty Underwriters

Counseling/Mental Health Facilities ■ ■ ■ ■ ■ Charity First Insurance Services Inc. ■ ■ ■ ■ ■ Gateway Specialty Insurance ■ ■ ■ ■ ■ Irwin Siegel Agency ■ ■ ■ ■ ■ Negley Associates ■ ■ ■ ■ ■ Nonprofits Insurance Alliance ■ ■ ■ ■ ■ TDC Specialty Underwriters ■ ■ ■ ■ ■ Western World Insurance Group

Allsouth Professional Liability

James River Insurance Company

Jamison Risk Services

Healthcare Facilities (Misc.)

E&S Insurance Services (VA)

Admiral Insurance Group

Berkley Select | a Berkley Company

Boston Insurance Brokerage LLC

Brooks Insurance Agency

Cooper & McCloskey Inc.

Insurance Services

Specialty Insurance

James River Insurance Company

Professional Program Ins. Brokerage, a Div of SPG Ins.

Health Agencies

Anderson & Murison Inc.

Ashley General Agency

Donald Gaddis Co. Inc. Insurance Services

Hospice Care Programs ■

Care Providers Insurance Services ■

Founders Professional

Gateway Specialty Insurance

James River Insurance Company

Negley Associates ■

Ophthalmologists

Osteopaths

TDC Specialty Underwriters

Outpatient Clinics

Admiral Insurance Group

Cooper & McCloskey Inc.

■ ■ TDC Specialty Underwriters

■ ■ Nonprofits Insurance Alliance ■

Hospitals

■ ■■■■ Agentic Insurance LLC

■ ■ Amwins - 120+ Locations Worldwide

■ ■ ■ ■ ■ Brooks Insurance Agency

■ ■ ■ ■ ■ eKo Specialty Insurance Services Inc.

■ ■ ■ ■ ■ Hudson Insurance Group / Hudson Pro (TM)

■ ■ ■ ■ ■ Jamison Risk Services

■ ■ ■ ■ ■ Negley Associates

■ ■ ■ ■ ■ RPS Healthcare

■ ■ ■ ■ ■ RT Specialty

■ ■ ■ ■ ■ TDC Specialty Underwriters

Kidney Dialysis Facilities

■ ■ ■ ■ ■ Cooper & McCloskey Inc.

■ ■ ■ ■ ■ James River Insurance Company

■ ■ ■ ■ ■ Jencap - Locations Nationwide

■ ■ ■ ■ ■ TDC Specialty Underwriters

Managed Care Organizations

■ ■ ■ ■ ■ ARC West Coast Excess & Surplus Brokerage LLC

■ ■ ■ ■ ■ Brooks Insurance Agency

■ ■ ■ ■ ■ TDC Specialty Underwriters

Medical & Physical Rehab Facilities

■ ■ ■ ■ ■ Gateway Specialty Insurance

■ ■ ■ ■ ■ James River Insurance Company

■ ■ ■ ■ ■ Promont Insurance Advisors

■ ■ ■ ■ ■ Quaker Special Risk, a Jencap Company (New Jersey)

■ ■ ■ ■ ■ RPS Healthcare

■ ■ ■ ■ ■ TDC Specialty Underwriters

Medical Imaging Centers

■ ■ ■ ■ ■ Admiral Insurance Group ■ ■ ■ ■ ■ Founders Professional ■ ■ ■ ■ ■ Gateway Specialty Insurance ■ ■ ■ ■ ■ James River Insurance Company ■ ■ ■ ■ ■ Jencap - Locations Nationwide ■ ■ ■ ■ ■ Promont Insurance Advisors

■ ■ ■ ■ ■ Quaker Special Risk, a Jencap Company (Florida & Mas.) ■ ■ ■ ■ ■ Quaker Special Risk, a Jencap Company (New Jersey) ■ ■ ■ ■ ■ RPS Healthcare ■ ■ ■ ■ ■ TDC Specialty Underwriters

Medical Malpractice ■ ■ ■ ■ ■ Access E&S Insurance Services (VA) ■ ■ ■ ■ ■ Admiral Insurance Group ■■ ■ ■■ Allsouth Professional Liability ■ ■ ■ ■ ■ Brooks Insurance Agency ■ ■ ■ ■ ■ Cooper & McCloskey Inc. ■ ■ ■ ■ ■ Donald Gaddis Co. Inc. Insurance Services ■ ■ ■ ■ ■ Founders Professional ■ ■ ■ ■ ■ Hudson Insurance Group / Hudson Pro (TM) ■ ■ ■ ■ ■ James River Insurance Company ■ ■ ■ ■ ■ Jamison Risk Services ■ ■ ■ ■ ■ Kinsale Insurance Company ■■■ ■ ■ NeitClem Wholesale Insurance Brokerage Inc. ■ ■ ■ ■ ■ RPS Healthcare ■ ■

RT Specialty

TDC Specialty Underwriters

Medical Stop Loss

Artex Risk Solutions Inc.

Misc. Professional Liability - Medical Fields

Access E&S Insurance Services (VA)

Admiral Insurance Group

Agentic Insurance LLC

All Solutions PBS LLC

Allsouth Professional Liability

ARC West Coast Excess & Surplus Brokerage LLC

Aspera Insurance

Boston Insurance Brokerage LLC

Brooks Insurance Agency

Donald Gaddis Co. Inc. Insurance Services

Eaton Professional Insurance Services

First Choice Ins Intermediaries

Hudson Insurance Group / Hudson Pro (TM)

Jamison Risk Services

- Locations Nationwide

Patriot National Underwriters Inc.

Professional Program Ins. Brokerage, a Div of SPG Ins.

Promont Insurance Advisors

RPS Healthcare

Founders Professional

Gateway Specialty Insurance

Irwin Siegel Agency

James River Insurance Company

Jencap - Locations Nationwide

Promont Insurance Advisors

Quaker Special Risk, a Jencap Company (Florida)

Quaker Special Risk, a Jencap Company (Mass.)

Quaker Special Risk, a Jencap Company (New Jersey)

RPS Healthcare

TDC Specialty Underwriters

Pharmacists

TDC Specialty Underwriters

Physician Groups & Clinics

Admiral Insurance Group

Allsouth Professional Liability

Breckenridge Insurance

Founders Professional

Kinsale Insurance Company

RPS Healthcare

Specialty Underwriters

U.S. Risk LLC

Physicians

Allsouth Professional Liability

Amwins - 120+ Locations Worldwide

Brooks Insurance Agency

Founders Professional

Hudson Insurance Group / Hudson Pro (TM)

James River Insurance Company

RPS Healthcare

RT Specialty

TDC Specialty Underwriters

Podiatrists

Kinsale Insurance Company

Psychiatrists

Negley Associates

TDC Specialty Underwriters

Psychologists

James River Insurance Company

Negley Associates

Western World Insurance Group

Specified Medical Professions

Admiral Insurance Group

Allsouth Professional Liability

Donald Gaddis Co. Inc. Insurance Services

Eaton Professional Insurance Services

Founders Professional

Indemnity Excess & Surplus Agency Inc.

Jencap - Locations Nationwide

Synergy Professional Associates Inc. Surgery Centers

Agentic Insurance LLC

River Insurance Company

Special Risk, a Jencap Company (Florida)

Special Risk, a Jencap Company (Mass.)

Special Risk, a Jencap Company (New Jersey)

Specialty Underwriters

Care Centers

Insurance LLC

Coastal Insurance Underwriters Inc.

Commercial Sector Insurance Brokers LLC

Continental Underwriters Inc.

Element22 Insurance Services

Gridiron Insurance Underwriters Inc.

Jencap - Locations Nationwide

Quaker Special Risk, a Jencap Company (New Jersey)

Specialty

U.S. Risk LLC

Velocity Risk Underwriters LLC

Flood (Non-Federal)

Flood Risk Solutions Inc.

Velocity Risk Underwriters LLC

American Management Corporation

Anderson & Murison Inc.

Ashley General Agency

Aspera Insurance

Bass Underwriters

Boston Insurance Brokerage LLC

Braishfield Associates, a div of Hull & Company LLC

Breckenridge Insurance

Canon Insurance Service

CID Insurance Programs Inc.

REInsurePro

RLI

Roush Insurance Services Inc.

RSI International Inc.

Southwest Risk

Sun Coast General Insurance Agency

■ U.S. Risk LLC

Velocity Risk Underwriters LLC

Walter General Agency (WGA)

Western Surplus Lines Agency Inc.

Condominiums

American Management Corporation

AmeriTrust Group

Amwins - 120+ Locations Worldwide

Atlas General Insurance Services, An RPS Company

Bass Underwriters

Canon Insurance Service

■ ■ ■ CID Insurance Programs Inc. ■■ ■ ■ ■ Coastal Insurance Underwriters Inc. ■ ■ ■ ■ ■ Commercial Sector Insurance Brokers LLC ■ ■ ■ ■ ■ Distinguished Programs ■ ■ ■ ■ ■ Element22 Insurance Services ■ ■ ■ ■ ■ Flood Risk Solutions Inc.

■ ■ ■ ■ ■ FTP of California

■ ■ ■ ■ ■ Great American Risk Solutions ■ ■ ■ ■ ■ Gridiron Insurance Underwriters Inc. ■ ■ ■ ■ ■ HabPro Insurance ■ ■ ■ ■ ■ Integrated Specialty Coverages (ISC) ■ ■ ■ ■ ■ Jencap - Locations Nationwide ■■■ ■ ■ NeitClem Wholesale Insurance Brokerage Inc. ■ ■ ■ ■ ■ Pacific Excess Insurance Marketing ■ ■ ■ ■ ■ REInsurePro ■ ■ ■ ■ ■ Southwest Risk ■ ■ ■ ■ ■ The McGowan Companies ■ ■ ■ ■ ■ Velocity Risk Underwriters LLC

Difference-in-Conditions

■ ■ ■ ■ ■ AmeriTrust Group ■ ■ ■ ■ ■ Amwins - 120+ Locations Worldwide ■■■■ ■ Arrowhead General Insurance Agency Inc. ■■ ■ ■■ Coastal Insurance Underwriters Inc. ■ ■ ■ ■ ■ Jencap - Locations Nationwide ■■■■ ■ Orion Commercial Insurance Services Inc. ■ ■ ■ ■ ■ RLI ■ ■ ■ ■ ■ U.S. Risk LLC ■ ■ ■ ■ ■ Velocity Risk Underwriters LLC Earthquake ■ ■ ■ ■ ■ Continental Underwriters Inc. ■ ■ ■ ■ ■ FTP of California ■ ■ ■ ■ ■ Jencap - Locations Nationwide ■■■■ ■ Orion Commercial Insurance Services Inc. ■ ■ ■ ■ ■ Poulton Associates ■ ■ ■ ■ ■ REInsurePro ■ ■ ■ ■ ■ U.S. Risk LLC ■ ■ ■ ■ ■ Velocity Risk Underwriters LLC

General Liability (GL)

■ ■ ■ ■ ■ American Management Corporation ■ ■ ■ ■ ■ Breckenridge Insurance ■ ■ ■ ■ ■ Continental Underwriters Inc. ■ ■ ■ ■ ■ FTP of California ■ ■ ■ ■ ■ Irwin Siegel Agency ■ ■ ■ ■ ■ James River Insurance Company ■ ■ ■ ■ ■ McLeckie Insurance Group ■■■ ■ ■ NeitClem Wholesale Insurance Brokerage Inc. ■ ■ ■ ■ ■ Pathpoint ■ ■ ■ ■ ■ REInsurePro ■ ■ ■ ■ ■ Western Surplus Lines Agency Inc. ■ ■ ■ ■ ■ World Wide Specialty, a Div of Philadelphia Ins Co’s

Hazardous Occupancies ■ ■ ■ ■

Kinsale Insurance Company

Virtue Risk Partners LLC

Hotels/Motels

American Management Corporation

American Specialty Insurance & Risk Services Inc.

Brecht & Associates

CapSpecialty

Commercial Sector Insurance Brokers LLC

Covenant Underwriters

Element22 Insurance Services

Flood Risk Solutions Inc.

FTP of California

Great American Risk Solutions

Jencap - Locations Nationwide

Donald Gaddis Co. Inc. Insurance Services

FTP of California

Great American Risk Solutions

Gridiron Insurance Underwriters Inc.

Roush Insurance Services Inc.

Mobile Home Parks

CapSpecialty

Grand General Agency

Western World Insurance Group

Office Buildings

AmeriTrust Group

CRC Insurance Services

Distinguished Programs

Element22 Insurance Services

Flood Risk Solutions Inc.

FTP of California

Gridiron Insurance Underwriters Inc.

HabPro Insurance

Integrated Specialty Coverages (ISC)

Jencap - Locations Nationwide

Nationwide

Nautilus Insurance Co. & Great Divide Ins. Co.

Pacific Excess Insurance Marketing

RT Specialty

Velocity Risk Underwriters LLC

Real Estate Investor

■ Breckenridge Insurance ■ ■ ■ ■ ■ Element22 Insurance Services ■ ■ ■ ■ ■ REInsurePro ■ ■ ■ ■ ■ SIS Wholesale Insurance Services

Restaurants ■ ■ ■ ■ ■ Anderson & Murison Inc. ■ ■ ■ ■ ■ Boston Insurance Brokerage LLC ■■■ ■ ■ Brecht & Associates ■ ■ ■ ■ ■ CapSpecialty ■ ■ ■ ■ ■ Flood Risk Solutions Inc. ■ ■ ■ ■ ■ FTP of California ■■■■ ■ Gorst & Compass Insurance ■ ■ ■ ■ ■ Great American Risk Solutions ■ ■ ■ ■ ■ Hull & Company ■ ■ ■ ■

■ NeitClem Wholesale Insurance Brokerage Inc.

Pacific Excess Insurance Marketing

Patriot National Underwriters Inc.

Roush Insurance Services Inc.

RSI International Inc.

Southwest Risk

Specialty Insurance

Velocity Risk Underwriters LLC

Western Surplus Lines Agency Inc.

School Districts

Commercial Sector Insurance Brokers LLC

MAXIMUM

Velocity Risk Underwriters LLC Seasonal Property

REInsurePro

Service Stations

AmeriTrust Group

FTP of California Shopping Centers

Commercial Sector Insurance Brokers LLC

Element22 Insurance Services

Flood Risk Solutions Inc.

FTP of California

Great American Risk Solutions

Gridiron Insurance Underwriters Inc.

HabPro Insurance

Integrated Specialty Coverages (ISC)

Placement Services

Insurance Services Inc.

Inc.

Insurance

Insurance Services

Insurance Services Inc.

General Agency (WGA)

AmeriTrust Group

Bass Underwriters

Element22 Insurance Services

Great American Risk Solutions

Gridiron Insurance Underwriters Inc.

Nautilus Insurance Co. & Great Divide Ins. Co.

Insurance

Dwelling Fire (DP-1, DP-3)

Anderson & Murison Inc.

■ Cochrane and Company

Concorde General Agency

Foremost Insurance Group

■ Gorst & Compass Insurance

■ ■ Markel Personal Lines

■■■■ Orchid Insurance

■■■■ RISCO Insurance Brokerage Inc.

■ Risk Placement Services Sacramento

■■■ Roush Insurance Services Inc.

RT Specialty

Dwelling Fire (TDP-1)

■ ■ ■ Foremost Insurance Group

Dwelling Fire (TDP-1/TDP-2/TDP-3)

Foremost Insurance Group

■ ■ RSI International Inc.

Earthquake

■ Arrowhead General Insurance Agency Inc. ■■■■ ■ Orion Commercial Insurance Services Inc. ■ ■ ■ ■ ■ Poulton Associates ■ ■ ■ ■ ■ REInsurePro

Forced Placement ■ ■ ■ ■ ■ Proctor Loan Protector ■ ■ ■ ■ ■ REInsurePro

High Valued Homeowners ■ ■ ■ ■ ■ Anderson & Murison Inc. ■ ■ ■ ■ ■ Bass Underwriters ■ ■ ■ ■ ■ Braishfield Associates, a div of Hull & Company LLC ■ ■■■■ BUA LLC ■■■■ ■ Canon Insurance Service ■ ■ ■ ■ ■ Commercial Sector Insurance Brokers LLC ■■■■ ■ Gorst & Compass Insurance ■ ■ ■ ■ ■ Irwin Siegel Agency ■■■■ ■ J.E. Brown & Associates ■ ■ ■ ■ ■ Jamison Risk Services ■ ■ ■ ■ ■ Jencap - Locations Nationwide ■ ■ ■ ■ ■ Jencap Specialty Insurance Services - Buffalo

Low-Value Dwellings

J.E. Brown & Associates

Markel Personal Lines

RSI International Inc.

Manufactured HO3

Foremost Insurance Group

Mobile/Manufactured Homes

Concorde General Agency

Foremost Insurance Group

J.E. Brown & Associates

Markel Personal Lines

REInsurePro

RPS

Non-Standard Dwellings

Anderson & Murison Inc.

Canon Insurance Service

Foremost Insurance Group

Prime Insurance Company

Real Estate Investor

Breckenridge Insurance

REInsurePro

SIS Wholesale Insurance Services

Seasonal Dwellings

BUA LLC

Flood Risk Solutions Inc.

Foremost Insurance Group

J.E. Brown & Associates

Markel Personal Lines

Orchid Insurance

REInsurePro

■ Risk Placement Services Sacramento

Tenant Policy

Foremost Insurance Group

RSI International Inc.

Vacant Property

Breckenridge Insurance

Canon Insurance Service

Insurance Brokers LLC

■■■■ ■ Monarch E&S Insurance Services ■ ■■■■ Orchid Insurance ■ ■ ■ ■ ■ Quaker Special Risk, a Jencap Company (Florida) ■ ■ ■ ■ ■ Quaker Special Risk, a Jencap Company (Mass.) ■■■ ■ ■ Quirk & Company ■ ■ ■ ■■ RISCO Insurance Brokerage Inc. ■■■■ ■ Risk Placement Services Sacramento ■ ■ ■ ■ ■ RPS ■ ■ ■ ■ ■ RT Specialty ■ ■ ■ ■ ■ USG Insurance Services Inc.

High-Value Dwellings ■ ■ ■ ■ ■ Amwins - 120+ Locations Worldwide ■ ■■■■ BUA LLC ■■■■ ■ Canon Insurance Service ■ ■ ■ ■ ■ Flood Risk Solutions Inc. ■ ■ ■ ■ ■ Hull & Company ■ ■ ■ ■ ■ Irwin Siegel Agency ■ ■ ■ ■ ■ J.M. Wilson ■ ■■■■ Orchid Insurance ■ ■ ■ ■ ■ Quaker Special Risk, a Jencap Company (New Jersey) ■ ■ ■ ■ ■ RPS ■■ ■ ■ ■ RSI International Inc. ■ ■ ■ ■ ■ RT Specialty

Historic Homes ■ ■ ■ ■ ■ Flood Risk Solutions Inc. ■ ■ ■ ■ ■ RPS

Homeowners (HO-3) ■ ■ ■ ■ ■ Anderson & Murison Inc.

■ ■ ■ ■ Bass Underwriters ■ ■■■■ BUA LLC ■ ■ ■ ■ ■ Cochrane and Company

■ ■ ■ ■ Flood Risk Solutions Inc.

■ ■ ■ ■ Foremost Insurance Group

Hull & Company

J.E. Brown & Associates

J.M. Wilson

Markel Personal Lines

MexiPass International Insurance Services LLC

Orchid Insurance

RISCO Insurance Brokerage Inc.

Risk Placement Services Sacramento

Roush Insurance Services Inc.

RPS

RSI International Inc.

Specialty

Homeowners (HO-A)

■ ■ ■ ■ Flood Risk Solutions Inc. ■■■ ■ ■ Foremost Insurance Group

Homeowners (HO-A/HO-B)

■ ■ ■ ■ Flood Risk Solutions Inc. ■■■ ■ ■ Foremost Insurance Group ■■■ ■ ■ RSI International Inc.

Jewelry & Fur Floaters ■■■■ ■ Gorst & Compass Insurance ■■■■ ■ Monarch E&S Insurance Services

RSI International Inc.

RT Specialty

Foremost Insurance Group

Gorst & Compass Insurance

IPC

J.E. Brown & Associates

Jimcor Agencies

Markel Personal Lines

Number One Insurance Agency

International Inc.

General Agency (WGA)

- Locations Nationwide

Governmental Underwriters

Governmental Underwriters

& Public Entities Liability

Public

Professional Program Ins. Brokerage, a Div of SPG Ins.

Beauty Supply

AMIS/Alliance Marketing & Insurance Services LLC

Professional Program Ins. Brokerage, a Div of SPG Ins. Buses

KF&B Program Managers Insurance Services

National Indemnity Company

Cannabis, CBD & Smoke/Vape Shop

GMI Insurance Services

Jencap - Locations Nationwide

M.J. Hall & Company Inc.

Cannabis/Marijuana - Dispensary and Growers

Aspera Insurance

Breckenridge Insurance

Insurance Services

J.M. Wilson

Jencap - Locations Nationwide

Jimcor Agencies

Kinsale Insurance Company

M.J. Hall & Company Inc.

Cemeteries

Professional Program Ins. Brokerage, a Div of SPG Ins.

GMI Insurance Services

Coin Laundry

Bass Underwriters

Shelly, Middlebrooks & O’Leary Inc.

Convenience Stores

Braishfield Associates, a div of Hull & Company LLC

Covenant Underwriters

Executive Insurance Professionals, PLLC

GMI Insurance Services

Joseph Krar & Associates Inc.

Nautilus Insurance Co. & Great Divide Ins. Co.

Roush Insurance Services Inc.

Courier/Messenger Service

Risk Strategies, Transportation Group

Breckenridge Insurance Day Care Centers/Nurseries

Ascendant Insurance Solutions

Charity First Insurance Services Inc.

Indemnity Excess & Surplus Agency Inc.

J.E. Brown & Associates

Joseph Krar & Associates Inc.

Nautilus Insurance Co. & Great Divide Ins. Co.

Nonprofits Insurance Alliance

Internet Risks

Technology & Cyber

Coast General Insurance Agency

KF&B Program Managers Insurance Services

National Indemnity Company

Norman-Spencer International Inc.

RPS

Pawn Shops

GMI Insurance Services

McLeckie Insurance Group

Philadelphia Insurance Companies

Printer Packages

Continental Brokers Inc.

EmergIn Risk

Recycling Centers

Apollo General Ins. Agency Inc.

UFG Specialty

Residential Care Facilities

■ ■ ■ Irwin Siegel Agency

James River Insurance Company

Nonprofits Insurance Alliance

Restaurants

■

Arrowhead General Insurance Agency Inc.

Artex Risk Solutions Inc.

Atlas General Insurance Services, An RPS Company

■ ■ ■ ■ Berkley Select | a Berkley Company

CapSpecialty ■ ■ ■ ■ ■ Integrated Specialty Coverages (ISC) ■ ■ ■ ■ ■ IPC ■ ■ ■ ■ ■ James River Insurance Company ■ ■■■■ Joseph Krar & Associates Inc.

McLeckie Insurance Group

Philadelphia Insurance Companies

Quirk & Company

Roush Insurance Services Inc.

Specialty Insurance

The McGowan Companies

Western Surplus Lines Agency Inc.

Retail Stores

Arrowhead General Insurance Agency Inc.

Ascendant Insurance Solutions

Aspera Insurance

GMI Insurance Services

IPC

McLeckie Insurance Group

Pacific Excess Insurance Marketing

Philadelphia Insurance Companies

■ ■ ■ ■ The McGowan Companies

Self Storage ■■■ ■ ■ Brecht & Associates

■ ■ ■ ■ MiniCo Insurance Agency, a Jencap Company

■ ■ ■ ■ PartnerOne Environmental

■

Safehold Special Risk

Universal Insurance Programs Service Stations ■ ■■■■ Joseph Krar & Associates Inc.

Pacific Excess Insurance Marketing

REInsurePro

Shopping Centers

AmeriTrust Group

Continental Brokers Inc.

GMI Insurance Services

James River Insurance Company

Joseph Krar & Associates Inc.

McLeckie Insurance Group

Philadelphia Insurance Companies

Quirk & Company

The McGowan Companies

Smoke/Vape Shops

Brecht & Associates

Social Service Risks

Ascendant Insurance Solutions

Charity First Insurance Services Inc.

Gateway Specialty Insurance

Hull & Company

Irwin Siegel Agency

James River Insurance Company

Negley Associates

Nonprofits Insurance Alliance

Software, Internet & Computer Consulting Co

Eaton Professional Insurance Services

RPS Technology & Cyber

Staffing Firms

Amwins - 120+ Locations Worldwide

RPS Healthcare

RPS Technology & Cyber

U.S. Risk LLC

World Wide Specialty, a Div of Philadelphia Ins Co’s

Gaddis Co. Inc. Insurance Services

Tanning and Spa Insurance

Joseph Krar & Associates Inc.

Program Ins. Brokerage, a Div of SPG Ins.

Insurance Programs

Tattooing & Body Piercing

Joseph Krar & Associates Inc.

Program Ins. Brokerage, a Div of SPG Ins.

Valet Parking Companies

Associates, a div of Hull & Company LLC

Builders & Tradesmen’s Insurance Services Inc. (BTIS)

Executive Insurance Professionals, PLLC

Choice Ins Intermediaries

Specialty Insurance

Insurance Services

Grand General Agency

Risk Management LLC

Irwin Siegel Agency

J.E. Brown & Associates

Krar & Associates Inc.

Insurance Company

International Insurance Services LLC

Bowling Centers

American Specialty Insurance & Risk Services Inc.

Joseph Krar & Associates Inc.

McGowan Allied Specialty Insurance

Sports & Wellness Insurance

Childrens Summer Camps

Sports & Fitness Insurance Corporation (SFIC)

Sports & Wellness Insurance

Driving Ranges

McGowan Allied Specialty Insurance

Philadelphia Insurance Companies

Dude Ranches

McGowan Allied Specialty Insurance

Fitness Centers

Safehold Special Risk

Sports & Fitness Insurance Corporation (SFIC)

Sports & Wellness Insurance

The Hanover Insurance Group

Golf Courses

CapSpecialty

Coastal Insurance Underwriters Inc.

Insurance Services

Philadelphia Insurance Companies ■

Specialty

Gymnastics Studios, Martial Arts & Dance Schools

American Specialty Insurance & Risk Services Inc. ■ ■■■■ Joseph Krar & Associates Inc. ■ ■ ■ ■

Sports & Fitness Insurance Corporation (SFIC) ■ ■ ■ ■ ■ Sports & Wellness Insurance

Motor Sports ■ ■ ■ ■ ■ American Specialty Insurance & Risk Services Inc.

Museums ■ ■ ■ ■ ■ American Specialty Insurance & Risk Services Inc. ■ ■ ■ ■ ■ Care Providers Insurance Services ■ ■ ■ ■ ■ Nonprofits Insurance Alliance

Outfitters & Guides

■■■ ■ ■ Ashley General Agency ■ ■ ■ ■ ■ Aspera Insurance ■ ■ ■ ■ ■ Breckenridge Insurance ■ ■ ■ ■ ■ CapSpecialty ■ ■ ■ ■ ■ McGowan Allied Specialty Insurance

Professional Sports ■ ■ ■ ■ ■ American Specialty Insurance & Risk Services Inc.

Riding Stables ■ ■ ■ ■ ■ McGowan Allied Specialty Insurance

Rodeos ■ ■ ■ ■ ■ McGowan Allied Specialty Insurance

Shooting Ranges ■ ■ ■ ■ ■ Aspera Insurance ■ ■ ■ ■ ■ Joseph Chiarello & Co., Inc.; Firearms Business Ins.

Skating Rinks ■ ■ ■ ■ ■ American Specialty Insurance & Risk Services Inc. ■ ■ ■ ■ ■ Safehold Special Risk ■ ■ ■ ■ ■ Western World Insurance Group

Ski Area Liability/Special Events Liability ■ ■ ■ ■ ■ McGowan Allied Specialty Insurance

Sporting Camps - League

Sports & Fitness Insurance Corporation (SFIC)

Sports & Wellness Insurance

Sporting Events

American Specialty Insurance & Risk Services Inc.

James Klein Insurance

Sports & Fitness Insurance Corporation (SFIC)

Sports & Wellness Insurance

Sports Facilities

American Specialty Insurance & Risk Services Inc.

Insurance Services

Workers’ Compensation

Excess Reinsurance Workers Comp

Artex Risk Solutions Inc.

Boston Insurance Brokerage LLC

Gray Specialty

Midwest Employers Casualty

Maritime Employers Liability (MEL)

Amwins - 120+ Locations Worldwide

Global Special Risks

James River Insurance Company

Jencap - Locations Nationwide

LIG Marine Managers

■ ■ Texas Mutual Insurance Co.

USL&H

■ ■ U.S. Risk LLC

Amwins - 120+ Locations Worldwide

■ Comp Solutions Network Inc.

Global Special Risks

Izzo Insurance Services, A division of Hull & Company LLC

Jencap - Locations Nationwide

Legacy Employer Concepts LLC

LIG Marine Managers ■■■

Texas Mutual Insurance Co.

The American Equity Underwriters Inc.

■ ■ ■ U.S. Risk LLC

Workers’ Comp

AMERISAFE ■ ■ ■ ■ ■ Amwins - 120+ Locations Worldwide ■ ■ ■ ■ ■ Arrowhead General Insurance Agency Inc. ■ ■ ■ ■ ■ Artex Risk Solutions Inc.

■ ■ ■ ■ ■ Ascendant Insurance Solutions ■ ■ ■ ■ ■ Bass Underwriters

■ ■ ■ ■ ■ Boston Insurance Brokerage LLC ■ ■ ■ ■ ■ Braishfield Associates, a div of Hull & Company LLC ■ ■ ■ ■ ■ Breckenridge Insurance ■ ■ ■ ■ ■ Builders & Tradesmen’s Insurance Services Inc. (BTIS) ■ ■ ■ ■ ■ Charity First Insurance Services Inc.

■■ ■ ■ ■ Coastal Insurance Underwriters Inc. ■■■ ■ ■ Comp Solutions Network Inc. ■ ■ ■ ■ ■ Continental Underwriters Inc. ■■■ ■ ■ Executive Insurance Professionals, PLLC ■ ■ ■ ■ ■ Izzo Insurance Services, A division of Hull & Company LLC ■ ■ ■ ■ ■ Jencap - Locations Nationwide ■ ■ ■ ■ ■ Legacy Employer Concepts LLC ■ ■ ■ ■ ■ LIG Marine Managers ■■ ■ ■ ■ McLeckie Insurance Group ■ ■ ■ ■ ■ Mover’s Choice ■ ■ ■ ■ ■ NBIS ■ ■ ■ ■ ■ Negley Associates ■ ■ ■ ■ ■ Omaha National ■■■ ■ ■ Patriot National Underwriters Inc. ■ ■ ■ ■ ■ RMC Group ■ ■ ■ ■ ■ Safehold Special Risk ■ ■ ■ ■ ■ Shield Commercial Insurance Services ■ ■ ■ ■ ■ SIS Wholesale Insurance Services ■■■ ■ ■ Sun Coast General Insurance Agency ■ ■ ■ ■ ■ Target Managers Insurance Services ■■■ ■ ■ Texas Mutual Insurance Co. ■ ■ ■ ■ ■ U.S. Risk LLC

■■■■ ■ USASIA Insurance Services ■ ■ ■ ■ ■ USG Insurance Services Inc. ■ ■ ■ ■ ■ World Wide Specialty, a Div of Philadelphia Ins Co’s

Workers’ Comp - Alternative Workers Comp ■ ■ ■ ■ ■ Gray Specialty ■ ■ ■ ■ ■ Jencap - Locations Nationwide

Workers’ Comp - Auto Related Business ■ ■ ■ ■ ■ Boston Insurance Brokerage LLC ■ ■ ■ ■ ■ Jencap - Locations Nationwide ■ ■ ■ ■ ■ KF&B Program Managers Insurance Services ■ ■ ■ ■ ■ Risk Strategies, Transportation Group ■ ■ ■ ■ ■ RT Specialty ■ ■ ■ ■ ■ Target Managers Insurance Services

Workers’ Comp - High Hazard ■ ■ ■ ■ ■ Izzo Insurance Services, A division of Hull & Company LLC

Jencap - Locations Nationwide

Jimcor Agencies

MAXIMUM

Workers’ Comp - Oil & Gas

Global Special Risks

Gray Specialty

Jencap - Locations Nationwide

Workers’ Comp - PEO

Amwins - 120+ Locations Worldwide

Ascendant Insurance Solutions

Jencap - Locations Nationwide

Legacy Employer Concepts LLC

Workers’ Comp - Small Business

CID Insurance Programs Inc.

Izzo Insurance Services, A division of Hull & Company LLC

Jencap - Locations Nationwide

Legacy Employer Concepts LLC

Shield Commercial Insurance Services

Workers’ Comp - Truckers and Transportation

Gray Specialty

Izzo Insurance Services, A division of Hull & Company LLC

Jencap - Locations Nationwide

Legacy Employer Concepts LLC

MAXIMUM

True Transport Insure

WORKERS COMPENSATION INSURANCE

We provide tailor-made solutions designed to meet the needs of each client. In addition to competitive pricing, we offer:

• A.M. Best rating of A (Excellent)

• Multiple options for premium payments

• Pay-as-you-go payroll-plus-comp program available

• Superior claims and medical management

• No volume requirements

Working with us is easy. We operate on an open brokerage basis and do everything in-house. We entertain hard-to-place risks with the following characteristics:

• Experience-rated business

• Premium up to $300,000

High mods accepted

CONTACT: 844-761-8400 sales@omahanational.com

Alphabetical Directory of Intermediaries and Carriers

5Star Specialty Programs

See Website for Addresses, Headquarters - Melbourne, FL 32935

Phone: (877) 247-9772, Fax: (321) 757-6147

E-mail: marketing@5starsp.com www.5starsp.com

MGA, Lloyd’s Correspondent, Managing Underwriter

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 www.Access-ES.com

A Licensed Surplus Broker, Lloyd’s Correspondent

Addiction Treatment Providers Insurance Program

555 E. North Lane, Ste. 6060, Conshohocken, PA 19428

Phone: (610) 808-9556

E-mail: nsmmarketing@nsminc.com atpinsure.com

MGA, A Licensed Surplus Broker, Managing Underwriter

Admiral Insurance Group

P.O. Box 5430, Mount Laurel, NJ 08054

Phone: (512) 721-2446, Fax: (856) 429-8611 E-mail: mhowey@admiralins.com www.admiralins.com

Managing Underwriter

Agentic Insurance LLC

900 W. Valley Forge Rd., King of Prussia, PA 19406

Phone: (610) 567-3333, Fax: (610) 567-3334 E-mail: tkatona@agenticins.com www.agenticins.com

A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

Agricultural Insurance Mgmt Services

1496 Route 3A, Ste. 10, Bow, NH 03278

Phone: (877) 552-2467, Fax: (603) 225-9318 E-mail: jlp@aimscentral.com www.aimscentral.com

Managing General Agency

All Solutions PBS LLC

17 Village Rd., Ste. 176, Morristown, NJ 07976

Phone: (888) 376-5884, Fax: (888) 726-6638 E-mail: Info@AllSolutionsPBS.com www.AllSolutionsPBS.com

MGA, A Licensed Surplus Broker, Lloyd’s Correspondent

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 www.allsouth.net

MGA, A Licensed Surplus Broker, Managing Underwriter

American Collectors Insurance Inc. 951 Haddonfield Rd., Ste. 2A, Cherry Hill, NJ 08002

Phone: (888) 314-6647, Fax: (856) 755-7440 E-mail: info@americancollectors.com americancollectors.com

American Management Corporation 1109 Oak Street, Conway, AR 72032

Phone: (855) 458-2835, Fax: (501) 932-3135 E-mail: submissions@amcins.com www.amcinsurance.com

MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

American Public Risk

9020 Stony Point Pkwy, Ste. 455, Richmond, VA 23236

Phone: (800) 586-6502, Fax: (804) 272-7852 E-mail: glester@pgui.com www.americanpublicrisk.com

Managing Underwriter

American Specialty Insurance & Risk Services

7609 W. Jefferson Blvd., Ste. 100, Fort Wayne, IN 46804

Phone: (800) 245-2744, Fax: (260) 969-4729

E-mail: bschall@americanspecialty.com www.americanspecialty.com MGA, A Licensed Surplus Broker, Managing Underwriter

AMERISAFE

2301 Hwy 190 W, DeRidder, LA 70634

Phone: (800) 256-9052

E-mail: asksales@amerisafe.com www.amerisafe.com

AmeriTrust Group

26255 American Dr., Southfield, MI 48034

Phone: (800) 482-2726, Fax: (248) 358-1614 E-mail: underwriting@ameritrustgroup.com www.ameritrustgroup.com

MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

AMIS/Alliance Marketing & Insurance Services LLC

P.O. Box 567, San Marcos, CA 92079

Phone: (760) 471-7116, Fax: (760) 471-9378

E-mail: snowell@amiscorp.com www.amisinsurance.com A Licensed Surplus Broker

Amwins - 120+ Locations Worldwide

For more information, check out our ad on page 17 (National).

See Website for Locations, Headquarters - Charlotte, NC 28210

Phone: (704) 749-2700, Fax: (704) 943-9000 E-mail: marketing@amwins.com www.amwins.com

MGA, A Licensed Surplus Broker

Anderson & Murison Inc.

800 W. Colorado Blvd., Los Angeles, CA 90041

Phone: (323) 255-2333, Fax: (323) 255-0957 E-mail: dena.martin@monarchexcess.com www.andersonmurison.com

MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

Apollo General Ins. Agency Inc.

P.O. Box 1508, Sonoma, CA 95476

Phone: (800) 624-5829, Fax: (707) 996-7912 E-mail: victoriam@apgen.com www.apgen.com

MGA, A Licensed Surplus Broker, Managing Underwriter

Applied Financial Lines 1120 6th Ave., 21st Fl, New York, NY 10036

Phone: (443) 534-6060, Fax: (877) 234-4425 E-mail: tdowen@auw.com www.afl.auw.com

MGA, A Licensed Surplus Broker

ARC West Coast Excess & Surplus Brokerage

260 S. Los Robles Ave., Ste. 205, Pasadena, CA 91101

Phone: (626) 584-5050, Fax: (626) 584-5010 E-mail: shunt@arcxswest.com www.arcbrokers.com

A Licensed Surplus Broker

Arrowhead General Insurance Agency Inc.

701 B St., Ste. 2100, San Diego, CA 92101

Phone: (800) 669-1889, Fax: (619) 881-8695

E-mail: MarketingInfo@ArrowheadGrp.com www.ArrowheadGrp.com

A Licensed Surplus Broker, Managing Underwriter

Artex Risk Solutions Inc.

2850 Golf Rd., 5th Fl, Rolling Meadows, IL 60008

Phone: (630) 694-5050

E-mail: artexinfo@artexrisk.com www.artexrisk.com

MGA, A Licensed Surplus Broker, Managing Underwriter

Ascendant Insurance Solutions

2199 Ponce de Leon Blvd., Ste. 500, Coral Gables, FL 33134

Phone: (305) 820-4360, Fax: (305) 820-4348

E-mail: marketing@ascendantgroup.com www.ascendantgroup.com

MGA, A Licensed Surplus Broker, Managing Underwriter

Ascinsure Specialty Risk

4 Gateway Ctr, 444 Liberty Ave, Ste. 400, Pittsburgh, PA 15222

Phone: (877) 372-0517, Fax: (888) 316-9016

E-mail: Rikki_Concannon@rpsins.com www.ascinsure.com

MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

Ascinsure can write your hard-to-place risks in these niche areas: Cranes- Exclusive Program; Equipment Rental & Party Goods Dealers- Exclusive Program; Scaffolding- Exclusive Program; Inland Marine. Complete coverage options, knowledgeable staff, and competitive commissions.

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 www.ashleyga.com

MGA, A Licensed Surplus Broker, Lloyd’s Correspondent

Aspera Insurance

2035 Maywill St., Ste. 100, Richmond, VA 23230

Phone: (804) 774-2101, Fax: (804) 673-5697

E-mail: marketing@asperains.com www.asperains.com

MGA, A Licensed Surplus Broker, Managing Underwriter

Aspera Insurance Services, Inc. is a licensed excess & surplus lines wholesale broker offering solutions for difficult-to-place Coastal Manufactured Housing and Commercial Casualty insurance. We make the hard-to-insure easy to please.

Atlas General Ins. Services, An RPS Company

6165 Greenwich Dr., Ste. 200, San Diego CA 92122

Phone: (858) 724-5100

E-mail: marketing@atlas.us.com atlas.us.com

MGA, A Licensed Surplus Broker, Managing Underwriter

AttPro Special Risk

2435 N. Central Expy, Ste. 1400 Richardson, TX 75080

Phone: (866) 513-2794

E-mail: specialriskuw@attorneyprotective.com www.attorneyprotective.com/attprospecialrisk

Balance Partners - Maven

PO Box 2550, Huntington, NY 11750

Phone: (512) 923-6278

E-mail: cjacobs@balanceuw.com https://www.balanceuw.com/maven MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

Alphabetical Directory of Intermediaries and Carriers

CapSpecialty

1600 Aspen Commons, Middleton, WI 53562

Phone: (608) 829-4200, Fax: (608) 829-7408

E-mail: now@CapSpecialty.com CapSpecialty.com MGA, A Licensed Surplus Broker

Care Providers Insurance Services

Bass Underwriters

6951 W. Sunrise Blvd., Plantation, FL 33313

Phone: (954) 473-4488, Fax: (954) 317-3100

E-mail: marketing@bassuw.com www.bassuw.com

MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

Bass Underwriters, Inc., - driven by relationships, not statistics, Bass provides the critical facilities necessary for agents to deliver quality insurance products to their clients.

Beacon Hill Associates

P.O. Box 1532, Charlottesville, VA 22902

Phone: (800) 596-2156, Fax: (434) 979-8964

E-mail: info@b-h-a.com https://b-h-a.com

MGA, A Licensed Surplus Broker, Managing Underwriter

Berkley Fire & Marine

425 North Martingale Rd., Ste. 1520, Schaumburg, IL 60173

Phone: (844) 462-3600

E-mail: marketing@berkleymarine.com www.berkleymarine.com

Berkley Select | a Berkley Company

550 W. Jackson Blvd., Ste. 500, Chicago, IL 60661

Phone: (312) 800-6200, Fax: (312) 207-1839 E-mail: info@berkleyselect.com www.berkleyselect.com

Brecht & Associates

1450 Hughes Rd, Ste. 109, Grapevine, TX 76051

Phone: (817) 424-5335, Fax: (817) 424-3772

E-mail: jbrecht@brechtassoc.com www.brechtassoc.com

MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

Brecht & Associates is a managing general agency serving agents in Texas, Oklahoma, and Arkansas specializing in insuring risks with unique characteristics. Independently owned & operated, our goal is to assist retail agents by providing access to a full range of products to meet the needs of their clients.

Breckenridge Insurance

3550 George Busbee Pkwy NW, Ste. 300, Kennesaw, GA 30144

Phone: (855) 728-8822

E-mail: solved@breckis.com www.breckis.com

MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

Bristol West Insurance Group

PO Box 31029, Independence, OH 44131

Phone: (800) 237-6136 E-mail: foremostinsurancegroup@foremost.com acm@foremost.com

Brooks Insurance Agency

6320 Canoga Ave., 12th Fl, Woodland Hills, CA 91367

Phone: (818) 449-9062

E-mail: mmccluskey@brooks-ins.com www.brooks-ins.com

MGA, A Licensed Surplus Broker

Brownyard Group

21 Maple Ave., P.O. Box 9175, Bay Shore, NY 11706

19111 N. Dallas Pkwy, Ste. 250, Dallas, TX 75287

Phone: (972) 427-4199

E-mail: nsmmarketing@nsminc.com cpsinsure.com

MGA, A Licensed Surplus Broker, Managing Underwriter

Charity First Insurance Services Inc.

595 Market St., Ste. 2100, San Francisco, CA 94105

Phone: (800) 352-2761

E-mail: Frank_Tarantino@charityfirst.com www.charityfirst.com MGA, A Licensed Surplus Broker, Managing Underwriter

CID Insurance Programs Inc.

7125 El Cajon Blvd., Ste. 3, San Diego, CA 92115

Phone: (800) 922-7283, Fax: (619) 593-2008

E-mail: programs@cidinsurance.com www.cidinsurance.com

MGA, A Licensed Surplus Broker, Managing Underwriter

Coastal Insurance Underwriters Inc.

P.O. Box 3140, Ponte Vedra Beach, FL 32004

Phone: (904) 285-7683, Fax: (904) 395-0038

E-mail: info@ciuins.com www.ciuins.com

MGA, A Licensed Surplus Broker, Managing Underwriter

Cochrane and Company

1405 S. Rustle St., Spokane, WA 99224

Phone: (509) 838-0655, Fax: (509) 838-1710

E-mail: marketing@cochraneco.com www.cochraneco.com

MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

Boston Insurance Brokerage LLC

28 State St., Ste. 2202, Boston, MA 02109

Phone: (617) 556-7038, Fax: (617) 556-7070

E-mail: CMacDonald@bib-llc.com www.bib-llc.com

MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

Phone: (800) 645-5820, Fax: (631) 666-5723 E-mail: info@brownyard.com www.brownyard.com

MGA, Managing Underwriter

BUA LLC

22 Deer St., Ste. 400, Portsmouth, NH 03801

Phone: (603) 772-5005, Fax: (603) 372-5990 E-mail: msamperi@buainsurance.com www.buainsurance.com

MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

Builders & Tradesmen’s Insurance Services Inc. (BTIS)

6610 Sierra College Blvd., Rocklin, CA 95677

Phone: (877) 649-6682, Fax: (916) 772-9292 E-mail: info@btisinc.com www.btisinc.com

Commercial Sector Insurance Brokers LLC

600 Corporate Pkwy, Ste. 250, Birmingham, AL 35242

Phone: (205) 776-1600, Fax: (205) 776-1619

E-mail: bbleistine@comsectorins.com www.comsectorins.com

MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

Comp Solutions Network Inc.

7135 W. Tidwell, Bldg M., Ste. 112A, Houston, TX 77092

Phone: (713) 690-3500, Fax: (713) 690-8484

E-mail: diannef@compsolutionsnetwork.com www.compsolutionsnetwork.com

MGA, A Licensed Surplus Broker

Concord Specialty Risk

Braishfield Associates, a div of Hull & Company LLC

5750 Major Blvd., Ste. 200, Orlando, FL 32819

Phone: (888) 335-6616, Fax: (888) 335-6615

E-mail: solutions@braishfield.com www.braishfield.com

MGA, A Licensed Surplus Broker, Lloyd’s Correspondent

A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

Canon Insurance Service

8383 Wilshire Blvd., Ste. 341, Beverly Hills, CA 90211

Phone: (310) 859-8600, Fax: (310) 278-3617 www.CanonInsurance.com

MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

14 Penn Plaza, 225 W. 34th St., Ste. 1510, New York, NY 10122

Phone: (212) 784-5678, Fax: (212) 784-5679

E-mail: daviddeberry@concordspecialtyrisk.com www.concordspecialtyrisk.com

Managing Underwriter

Concorde General Agency

720 28th St. S, Fargo, ND 58103

Phone: (701) 361-9951, Fax: (701) 361-9951

E-mail: scott@cgains.com www.cgains.com

A Licensed Surplus Broker, Lloyd’s Correspondent

Alphabetical Directory of Intermediaries and Carriers

Continental Brokers Inc.

212 Key Dr., Ste. A, Madison, MS 39110

Phone: (866) 386-4136, Fax: (601) 898-4793

E-mail: cs@continentalbrokers.biz www.continentalbrokers.biz

MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

Continental Underwriters Inc.

3435-A W. Leigh Street, Richmond, VA 23230

Phone: (804) 643-7800, Fax: (804) 643-5800

E-mail: info@contund.com https://www.contund.com/ MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

Cooper & McCloskey Inc.

1981 N. Broadway, Ste. 340, Walnut Creek, CA 94596

Phone: (415) 433-7700, Fax: (415) 433-7707

E-mail: keltie@cmiprorisk.com www.cmiprorisk.com A Licensed Surplus Broker

Cosmetic Insurance Services, a division of EPIC Brokers

210 Hudson St., 6th Fl, Jersey City, NJ 07311

Phone: (201) 356-0057, Fax: (201) 356-0055 E-mail: Kenneth.hegel@epicbrokers.com www.cosmeticinsurance.com

MGA, A Licensed Surplus Broker, Managing Underwriter

Covenant Underwriters

1221 McKinney St., Ste. 3110, Houston, TX 77010

Phone: (346) 330-3777

E-mail: broker@covenantunderwriters.com www.covenantunderwriters.com

CRC Insurance Services

See Website for Locations, Birminham, AL 35209

Phone: (205) 870-7790, Fax: (205) 879-3739 E-mail: marketing@crcins.com www.crcins.com

MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

Custom Assurance Placements Ltd.

1100 Shirley St., Columbia, SC 29205

Phone: (803) 799-1770

E-mail: cap@customassurance.com https://www.customassurance.com/ MGA, A Licensed Surplus Broker, Lloyd’s Correspondent

Distinguished Programs

1180 Avenue of the Americas, 16th Floor, New York, NY 10036

Phone: (212) 297-3100, Fax: (212) 297-3130 E-mail: jsafer@distinguished.com www.distinguished.com

MGA, A Licensed Surplus Broker

DMI Insurance Services

8911 N. Capital of TX Hwy, Ste. 4240, Austin, TX 78759

Phone: (800) 877-2525

E-mail: nmaske@dmi-insurance.com www.dmi-insurance.com

MGA, A Licensed Surplus Broker, Managing Underwriter

Donald Gaddis Co. Inc. Insurance Services

21 S. Evergreen Ave., Ste 220, Arlington Hts., IL 60005

Phone: (312) 853-0071, Fax: (312) 853-1033

E-mail: cgaddis@gaddiscompany.com www.gaddiscompany.com

A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

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 www.episi.net

A Licensed Surplus Broker, Lloyd’s Correspondent

eKo Specialty Insurance Services Inc.

PO Box 3365, Thousand Oaks, CA 91362

Phone: (805) 373-6968, Fax: (805) 373-7070 E-mail: eKo@eKoSpecialty.com www.eKoSpecialty.com

A Licensed Surplus Broker

Element22 Insurance Services

3000 Gulf to Bay Blvd., Ste. 600, Clearwater, FL 33759

Phone: (877) 591-8283 E-mail: dapplebaum@element22ins.com www.element22ins.com

MGA, A Licensed Surplus Broker

EmergIn Risk

14 Penn Plaza, 225 W. 34th St., Ste. 1510, New York, NY 10122

Phone: (646) 612-7808, Fax: (646) 612-7819 E-mail: Jamie.Bouloux@ryansg.com us.emerginrisk.com

Managing Underwriter

Empire Insurance Brokers 2532 Broadway, Everett, WA 98201

Phone: (425) 774-1324

E-mail: info@eibnow.com https://www.eibnow.com A Licensed Surplus Broker

Equine Insurance Specialists LLC

P.O. Box 12440, Lexington, KY 40583

Phone: (800) 723-9414, Fax: (866) 207-6953 E-mail: info@insureyourhorse.com www.insureyourhorse.com

Managing General Agency

Erickson-Larsen Inc. 6425 Sycamore Court No., Maple Grove, MN 55369

Phone: (763) 535-0055, Fax: (763) 535-4051 E-mail: pbloch@ericksonlarseninc.com www.ericksonlarseninc.com

MGA, A Licensed Surplus Broker, Lloyd’s Correspondent

Euclid Life Science Specialty LLC 234 Spring Lake Drive, Itasca, IL 60143

Phone: (443) 682-0102

E-mail: RElliott@EuclidLSS.com www.EuclidLSS.com MGA, Managing Underwriter

Exceptional Risk Advisors LLC

1 International Blvd., Ste. 750, Mahwah, NJ 07495

Phone: (866) 512-0444, Fax: (201) 512-0221 E-mail: info@exceptionalriskadvisors.com www.exceptionalriskadvisors.com

A Licensed Surplus Broker, Managing Underwriter

Executive Insurance Professionals, PLLC 6031 W. Interstate 20, Ste. 249, Arlington, TX 76017

Phone: (800) 779-4095, Fax: (866) 779-4331

E-mail: cheryl@execins.com www.execins.com

A Licensed Surplus Broker, Lloyd’s Correspondent

First Choice Ins Intermediaries 822 A1A North, Ste. 310, Ponte Vedra Beach, FL 32082

Phone: (866) 821-9572, Fax: (904) 543-4501

E-mail: info@firstchoiceii.com www.firstchoiceii.com

MGA, A Licensed Surplus Broker

Flood Risk Solutions Inc.

360 Central Ave., Ste. 1260, St Petersburg, FL 33701

Phone: (727) 256-1991 E-mail: phil@floodsol.com www.floodsol.com MGA, A Licensed Surplus Broker, Managing Underwriter

Foremost Insurance Group

For more information, check out our ad on page 15 (National). 5600 Beech Tree Ln. SE, Caledonia, MI 49316

Phone: (800) 237-6136

E-mail: acm@foremost.com www.foremostagent.com

Foremost® – A Farmers Insurance® Company is focused on providing A Better Insurance Experience® to all customers. Foremost® has been an industry leader since 1952, and today offers a well-rounded suite of personal lines insurance, including the Foremost Signature Auto & Home programs and the Foremost Choice® Property & Casualty programs.

Founders Professional

2038 1st Avenue South, St. Petersburg, FL 33712

Phone: (727) 498-6503, Fax: (727) 498-6506

E-mail: fpinfo@founderspro.com www.founderspro.com

A Licensed Surplus Broker, Lloyd’s Correspondent

Freberg Environmental Inc.

For more information, check out our ad on page 31 (National). 1800 Wazee St., Ste. 300, Denver, CO 80202

Phone: (800) 377-4152, Fax: (303) 623-8101

E-mail: info@feiinsurance.com www.feiinsurance.com MGA, Managing Underwriter

FTP of California

P.O. BOX 120747, San Diego, CA 92112

Phone: (314) 496-7077 E-mail: lglaser@FTPins.com www.ftpins.com/california MGA, A Licensed Surplus Broker, Managing Underwriter

Gateway Specialty Insurance 1170 Devon Park Drive, Wayne, PA 19087

Phone: (877) 977-4474, Fax: (610) 254-1855 E-mail: info@gatewayspecialty.com www.gatewayspecialty.com

A Licensed Surplus Broker

Gerald J. Wilkoff Inc.

95 Main St., Mineola, NY 11501

Phone: (516) 747-0200, Fax: (516) 747-2021 E-mail: info@wilkoffbonds.com www.wilkoffbonds.com

Managing Underwriter

Global Special Risks

9821 Katy Fwy, Ste. 750, Houston, TX 77024, Houston, TX 77024

Phone: (713) 260-1030, Fax: (713) 952-3978 E-mail: gsr@gsrum.com www.gsrum.com

Managing Underwriter

GMI Insurance Services

P.O. Box 701, Valley Forge PA 19482

Phone: (610) 933-4679, Fax: (610) 933-4993

E-mail: karen@gmi-insurance.com www.gmi-insurance.com MGA, A Licensed Surplus Broker, Managing Underwriter

Alphabetical Directory of Intermediaries and Carriers Alphabetical Directory of Intermediaries and Carriers

Gorst & Compass Insurance

9310 Topanga Canyon Blvd., Chatsworth, CA 91311

Phone: (818) 507-0900, Fax: (818) 507-1133 E-mail: mail@gorstcompass.com www.gorstcompass.com

MGA, A Licensed Surplus Broker

Grand General Agency

1240 Chicago Dr, Jenison, MI 49428

Phone: (800) 869-2022, Fax: (888) 767-0826 E-mail: commercial@thehelpfulpeople.com www.thehelpfulpeople.com Managing General Agency

Gray Specialty

3601 N. I-10 Service Road W, Metairie, LA 70002

Phone: (504) 754-6701 E-mail: rswayze@grayspecialty.com www.grayspecialty.com

Great American Risk Solutions

301 East 4th Street, Cincinnati, OH 45202

Phone: (513) 579-6318 E-mail: kenderle@gaig.com https://www.greatamericaninsurancegroup.com/for-businesses/divisiondetails/great-american-risks-solutions

Greenwich Transportation Underwriters aka GTU

6 Cadillac Dr., Ste. 410, Brentwood, TN 37027

Phone: (800) 488-8852, Fax: (615) 321-4543 E-mail: ben@gtu-ins.com www.gtu-ins.com

MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

Gridiron Insurance Underwriters Inc.

261 N. University Dr., Ste 510, Plantation, FL 33324

Phone: (954) 331-3000 E-mail: ddemott@gridironins.com www.gridironins.com Managing Underwriter

Grundy Insurance

P.O. Box 1957, Horsham, PA 19044

Phone: (877) 338-4004, Fax: (215) 674-5716 E-mail: clint@grundy.com www.grundy.com/utility Managing General Agency

Guardian Insurance Wholesalers Inc.

P.O. Box 119, Leitchfield, KY 42755

Phone: (270) 230-0340, Fax: (270) 230-0344 E-mail: dlhuff@guardian-ins.com www.guardian-ins.com

MGA, A Licensed Surplus Broker

HabPro Insurance

555 E. North Lane, Ste. 6060, Conshohocken, PA 19428

Phone: (610) 808-9556

E-mail: nsmmarketing@nsminc.com habproinsurance.com

MGA, A Licensed Surplus Broker

Hudson Insurance Group / Hudson Pro (TM)

100 William St., 5th Fl, New York, NY 10038

Phone: (212) 978-2800

E-mail: MSutton@HudsonInsGroup.com www.hudsoninsgroup.com

Hull & Company

www.hullco.com for all locations, Fort Lauderdale, FL 33020

Phone: (954) 527-4855, Fax: (866) 449-8449 www.hullco.com

MGA, A Licensed Surplus Broker, Lloyd’s Correspondent

Indemnity Excess & Surplus Agency Inc.

1915 NE Stucki Ave., Ste. 450, Hillsboro, OR 97006

Phone: (800) 487-2442, Fax: (503) 526-9700

E-mail: jimh@ies-xs.com www.ies-xs.com

A Licensed Surplus Broker

Insurtec Tanning and Spa Insurance

P.O. Box 25, Rich Hill, MO 64479

Phone: (800) 606-0621, Fax: (417) 395-2713

E-mail: info@insurtecinc.com www.insurtecinc.com

A Licensed Surplus Broker

Integrated Specialty Coverages (ISC)

500 Mamaroneck Ave, Ste. 320, Harrison, NY 10528

Phone: (908) 723-8559

E-mail: contact@iscmga.com www.iscmga.com

MGA, Managing Underwriter

International Transportation & Marine Agency Inc.

7835 E. Evans Rd., Bldg 300, Scottsdale, AZ 85260

Phone: (480) 556-0200, Fax: (480) 556-0201

E-mail: info@itmagency.com www.itmagency.com

MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

IPA Risk Management LLC

340 W. Passaic St., Rochelle Park, NJ 07662

Phone: (201) 797-1215, Fax: (201) 797-1076 E-mail: g.heitmann@ipariskmanagement.com www.ipariskmanagement.com

MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

IPC

P.O. Box 1150, Gardnerville, NV 89410

Phone: (775) 782-6655, Fax: (775) 782-6654 E-mail: tammy@ipc-nv.com www.ipc-nv.com

MGA, A Licensed Surplus Broker, Managing Underwriter

Ironwood Warranty Group

471 W. Main St., Ste. 302, Louisville, KY 40202

Phone: (502) 417-8260 E-mail: dtafel@ironwoodwarrantygroup.com https://www.ironwoodwarrantygroup.com Managing Underwriter

Izzo Insurance Services, A division of Hull & Company LLC

150 S. Bloomingdale Rd., Bloomingdale, IL 60108

Phone: (800) 800-1704, Fax: (630) 582-2803

E-mail: Info@IzzoInsurance.com www.IzzoInsurance.com

MGA, A Licensed Surplus Broker

J.B. Lloyd & Associates, A Member Company of US Risk

8401 N. Central Expy, Ste. 1000, Dallas, TX 75225

Phone: (972) 248-2433, Fax: (972) 248-7077

E-mail: marketing@lloyd-ins.com www.lloyd-ins.com

MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

J.E. Brown & Associates 303 Lennon Ln., Walnut Creek, CA 94598

Phone: (925) 947-2990, Fax: (925) 947-3978

E-mail: marketing@jebrown.net www.jebrown.net MGA, A Licensed Surplus Broker

Irwin Siegel Agency

25 Lake Louise Marie Rd., Rock Hill, NY 12775

Phone: (800) 622-8272, Fax: (845) 796-3661 E-mail: siegel@siegelagency.com www.siegelagency.com

MGA, A Licensed Surplus Broker, Managing Underwriter

Irwin Siegel Agency is the premier Program Administrator of insurance products and risk management solutions for Human and Social Service Organizations. Our specialties include Developmental Disability Organizations, Addiction Treatment, Behavioral / Mental Healthcare, and Youth Programs. ISA also provides specialty high-value home insurance programs.

J.M. Wilson

For more info, check our ad on page 1 (Midwest), page 2 (Southeast), and page 2 (West). 8036 Moorsbridge Rd., Portage, MI 49024

Phone: (800) 282-8113

E-mail: cbaldwin@jmwilson.com www.jmwilson.com MGA, A Licensed Surplus Broker

J.M. Wilson is a third generation, family owned Managing General Agency and Surplus Lines Broker founded in 1920. We provide independent insurance agents access to ‘A’ rated carriers for Commercial Transportation, Property & Casualty, Brokerage, Marine, Personal Lines and Surety. We know insurance agents have choices and It’s our goal to establish relationships and provide the best possible experience for you to place business in the E&S marketplace.

James Klein Insurance

200 E. Sandpointe Ave., Ste. 310, Santa Ana, CA 92707

Phone: (714) 918-0914, Fax: (714) 918-0922

E-mail: pdavis@jameskleininsurance.com A Licensed Surplus Broker

James River Insurance Company

6641 W. Broad St., Ste. 300, Richmond, VA 23230

Phone: (804) 289-2700

E-mail: info@jamesriverins.com www.jamesriverins.com

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

Alphabetical Directory of Intermediaries and Carriers Alphabetical Directory of Intermediaries and Carriers

Jamison Risk Services

20 Commerce Dr., Cranford, NJ 07016

Phone: (973) 669-2311, Fax: (973) 731-3035

E-mail: ccaruso@jamisongroup.com www.jamisongroup.com

MGA, A Licensed Surplus Broker, Lloyd’s Correspondent

JC Wilson Consulting Inc.

9390 W. Maiden Ct, Vero Beach, FL 32963

Phone: (312) 543-9451, Fax: (312) 543-9451

E-mail: jwilson.frs@gmail.com MGA, Managing Underwriter

Jencap - Locations Nationwide

See website for all locations, Corporate HQ - New York, NY

Phone: (800) 892-8892

E-mail: info@jencapgroup.com www.jencapgroup.com

MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

Independent agents countrywide rely on our specialty brokers and underwriters to place their most complex and important risks. With over 40 locations nationwide, put Jencap to work for you.

Jencap Specialty Insurance Services (Environmental)

2400 E. Katella Ave., Ste. 800, Anaheim, CA 92806

Phone: (949) 534-9106 E-mail: nancy.huynh@jencapgroup.com https://jencapgroup.com/environmental/ MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

Jencap Specialty Insurance ServicesBuffalo

295 Main St., Ste. 866, Buffalo, NY 14203

Phone: (800) 333-7226, Fax: (800) 677-6779 E-mail: info.buffalo@jencapgroup.com www.jencapgroup.com

MGA, A Licensed Surplus Broker, Lloyd’s Correspondent

Joseph Krar & Associates Inc.

P.O. Box 580, Southington, CT 06489

Phone: (860) 628-3967, Fax: (860) 628-3969

E-mail: jkrar@jkrar.com www.jkrar.com

MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

KF&B Program Managers Insurance Services

425 W. Broadway, Ste. 308, Glendale, CA 91204

Phone: (818) 242-5100, Fax: (818) 242-6800

E-mail: czallo@kfbins.com www.kfbins.com

MGA, A Licensed Surplus Broker, Managing Underwriter

MacAfee & Edwards Inc. - Mexican Insurance Specialist

800 S. Figueroa St., Ste. 790, Los Angeles, CA 90017

Phone: (213) 629-9777, Fax: (213) 629-9779

E-mail: juan@mexicard.com www.macafeeandedwards.com

MGA, A Licensed Surplus Broker, Managing Underwriter

Markel

4600 Cox Rd., Glen Allen, VA 23060

Phone: (800) 431-1270, Fax: (804) 965-1689

E-mail: eservice@markelcorp.com www.markelinsurance.com

Markel Personal Lines

P.O. Box 906, Pewaukee, WI 53072

Phone: (262) 548-9880, Fax: (262) 547-9436

E-mail: maicmarketing@markelcorp.com www.markelmarine.com

Kinsale Insurance Company

2035 Maywill St., Ste. 100, Richmond, VA 23226

Phone: (804) 289-1300, Fax: (804) 673-5697 E-mail: marketing@kinsaleins.com www.kinsaleins.com

Kinsale is a domestic excess and surplus lines insurance company specializing in hard-to-place property, casualty and specialty risks.

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 www.lppinsurance.com

Managing General Agency

Legacy Employer Concepts LLC

7901 4th St. N, Ste. 300, St. Petersburg, FL 33702

Phone: (813) 460-9166, Fax: (813) 433-2503 E-mail: brett@legacyemployerconcepts.com www.legacyemployerconcepts.com

MGA, A Licensed Surplus Broker

LifeScienceRisk

180 N. Stetson Ave., 46th Fl., Chicago, IL 60601

Phone: (312) 784-6005, Fax: (312) 784-6002 E-mail: mark.wood@lsrisk.com www.lsrisk.com

Managing Underwriter

LIG Marine Managers

111 2nd Ave. NE, Ste. 1101, St. Petersburg, FL 33701

Phone: (727) 578-2800, Fax: (727) 578-9977 E-mail: KLT@LIGMarine.com www.LIGMarine.com

MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

MAXIMUM

222 S. Riverside Plaza, Ste. 2340, Chicago, IL 60606

Phone: (312) 559-9348, Fax: (312) 559-0930

E-mail: joem@maxib.com www.maxib.com

MGA, A Licensed Surplus Broker, Lloyd’s Correspondent

McGowan Allied Specialty Insurance

140 Fountain Pkwy N, Ste. 570, St. Petersburg, FL 33716

Phone: (800) 237-3355, Fax: (727) 360-3498

E-mail: tellmemore@mcgowanallied.com www.mcgowanallied.com

MGA, A Licensed Surplus Broker, Managing Underwriter

McLeckie Insurance Group

P.O. Box 770, Naples, TX 75568

Phone: (903) 897-9090, Fax: (760) 462-1696

E-mail: Bill@mcleckie.com www.mcleckie.com

MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

Mexico Insurance Online

214 E. Birch Ave., Flagstaff, AZ 86001

Phone: (928) 433-6728, Fax: (928) 779-7221

E-mail: denny.lauritsen@mexicoinsuranceonline.com www.mexicoinsuranceonline.com

MexiPass International Insurance Services

P.O. Box 60727, Pasadena, CA 91116

Phone: (800) 639-4727, Fax: (800) 639-4329

Jimcor Agencies

60 Craig Rd., Montvale, NJ 07645

Phone: (201) 573-8200, Fax: (201) 573-8820 E-mail: marketing@jimcor.com www.jimcor.com

MGA, A Licensed Surplus Broker

Joseph Chiarello & Co., Inc.; Firearms Business Insurance Program

25 DeForest Ave., Ste. 208, Summit, NJ 07901

Phone: (800) 526-2199, Fax: (908) 473-0110 E-mail: info@jcinsco.com www.guninsurance.com

MGA, A Licensed Surplus Broker, Managing Underwriter

M&A Insurance Solutions LLC

221 River St., 9th Fl, Hoboken, NJ 07030

Phone: (917) 656-2476

E-mail: kirk@rwpolicy.com www.rwpolicy.com

A Licensed Surplus Broker

M.J. Hall & Company Inc.

For more information, check out our ad on page 3 (West). P.O. Box 192, Stockton, CA 95201

Phone: (415) 848-8237, Fax: (209) 465-3843 E-mail: mathew.meadows@mjhall.com www.mjhallandcompany.com

MGA, A Licensed Surplus Broker, Lloyd’s Correspondent

E-mail: jorge@mexipass.com www.mexipass.com

MGA, A Licensed Surplus Broker, Managing Underwriter

Mexpro.com / NFP

214 E. Birch Ave, Flagstaff, AZ 86001

Phone: (928) 214-9750

E-mail: Roxanna.McDade@mexpro.com https://www.mexpro.com

MGA, A Licensed Surplus Broker, Managing Underwriter

Alphabetical Directory of Intermediaries and Carriers

Midwest Employers Casualty

14755 N. Outer 40 Dr., Ste. 300, Chesterfield, MO 63017

Phone: (636) 449-7000, Fax: (636) 449-7199

E-mail: rlunceford@mecasualty.com www.mecasualty.com

MiniCo Insurance Agency, a Jencap Co.

10851 N. Black Canyon Hwy, Ste. 200, Phoenix, AZ 85029

Phone: (800) 528-1056, Fax: (602) 861-1094

E-mail: info@minico.com www.minico.com

MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

Negley Associates

389 Interpace Pkwy, 4th Fl, Parsippany, NJ 07054

Phone: (862) 286-3550, Fax: (866) 865-5655 E-mail: info@jjnegley.com www.jjnegley.com

MGA, A Licensed Surplus Broker, Managing Underwriter

NeitClem Wholesale Insurance Brokerage

7442 N. Figueroa St., Los Angeles, CA 90041

Phone: (323) 258-2600, Fax: (323) 258-2676 E-mail: jcenteno@neitclem.com www.neitclem.com

A Licensed Surplus Broker

Nonprofits Insurance Alliance

P.O. Box 8507, Santa Cruz, CA 95061

Phone: (831) 459-0461, Fax: (831) 459-0853 E-mail: brokerservices@insurancefornonprofits.org www.insurancefornonprofits.org

Mission Underwriting Managers LLC

34522 N. Scottsdale Rd., Scottsdale, AZ 85266

Phone: (602) 705-1717

E-mail: info@missionunderwriters.com https://missionunderwriters.com/ A Licensed Surplus Broker, Managing Underwriter

Monarch E&S Insurance Services

For more information, check out our ad on page 7 (West). 2550 N Hollywood Way, Ste. 501, Burbank, CA 91505

Phone: (818) 249-0100, Fax: (818) 249-1166

E-mail: clarac@monarchexcess.com www.monarchexcess.com

MGA, A Licensed Surplus Broker, Lloyd’s Correspondent

Mover’s Choice

222 Gateway Road W, Napa, CA 94558

Phone: (800) 852-1968, Fax: (707) 252-5905 E-mail: BrandonL@paulhanson.com www.moverschoiceinfo.com

MGA, A Licensed Surplus Broker, Managing Underwriter

MyMGA.com

P.O. Box 8586, Emeryville, CA 94662

Phone: (800) 339-7878, Fax: (510) 655-3076 E-mail: mnyquist@mymga.com mymga.com Managing General Agency

National Indemnity Company

1314 Douglas, Ste. 1400, Omaha, NE 68102

Phone: (402) 916-3000, Fax: (402) 916-3030 E-mail: info@nationalindemnity.com www.nationalindemnity.com

Nationwide

For more information, check out our ad on page 25 (National). 8877 N. Gainey Center Dr., Scottsdale, AZ 85258

Phone: (800) 423-7675, Fax: (480) 483-6752 E-mail: palacj3@nationwide.com www.nationwideexcessandsurplus.com A Licensed Surplus Broker

Nautilus Insurance Co. & Great Divide

Inssurance Co.

For more information, check out our ad on page 29 (National). 7233 E. Butherus Dr., Scottsdale, AZ 85260

Phone: (480) 951-0905, Fax: (480) 951-9730

E-mail: nicmarketing@nautilus-ins.com www.nautilusinsgroup.com

NBIS

2859 Paces Ferry Rd. SE, 800 Overlook III, Atlanta, GA 30339

Phone: (770) 257-1777, Fax: (770) 257-1500 E-mail: contactus@nbis.com www.NBIS.com

MGA, A Licensed Surplus Broker, Managing Underwriter

Norman-Spencer Agency LLC

8075 Washington Village Dr., Dayton, OH 45458

Phone: (800) 543-3248, Fax: (937) 432-1635 E-mail: info@norman-spencer.com www.norman-spencer.com

Managing General Agency

Norman-Spencer International Inc. 150 E. 22nd St., Lombard, IL 60148

Phone: (630) 705-4140, Fax: (630) 705-1056 E-mail: gretchen@normanspencer.com www.normanspencer.com

MGA, A Licensed Surplus Broker, Managing Underwriter

Number One Insurance Agency

91 Cedar St., Milford, MA 01757

Phone: (508) 634-2900, Fax: (508) 634-2930 E-mail: numberone@massagent.com www.massagent.com MGA, A Licensed Surplus Broker

Pacific Excess Insurance Marketing

6363 Katella Ave., Cypress, CA 90630

Phone: (800) 222-5582, Fax: (714) 228-7838 E-mail: marketing@pacificexcess.com www.pacificexcess.com MGA, A Licensed Surplus Broker

Pacific Gateway Insurance Agency

For more information, check out our ad on page 5 (West). 28470 Ave Stanford, Ste. 325, Valencia, CA 91355

Phone: (800) 354-4844, Fax: (661) 257-5988

E-mail: mark_thorne@pgiainsurance.com www.pgiainsurance.com MGA, Managing Underwriter

Paramount General Agency

3200 Troup Highway, Ste. 310, Tyler, TX 75703

Phone: (866) 514-2200 E-mail: info@iscmga.com www.paramountgeneralagency.com MGA, Managing Underwriter

PartnerOne Environmental

P.O. Box 1532, Charlottesville, VA 22902

Phone: (800) 596-0172, Fax: (434) 979-8964

E-mail: p1info@p1enviro.com https://p1enviro.com MGA, A Licensed Surplus Broker, Managing Underwriter

Pathpoint

200 Pine Street, STE 200, STE 200, STE 200, San Francisco, CA 94104

Phone: (310) 936-2512

E-mail: lderanja@pathpoint.com https://www.pathpoint.com A Licensed Surplus Broker

Patriot National Underwriters Inc.

P.O. Box 803143, Dallas, TX 75380

Phone: (972) 239-1458, Fax: (972) 233-3487 E-mail: cliff.clay@patriotnational.com www.patriotnational.com MGA, A Licensed Surplus Broker, Managing Underwriter

PERse

23 Corporate Plaza, Ste. 248, Newport Beach, CA 92660

Phone: (949) 873-0324, Fax: (949) 873-0319

E-mail: mbernay@powerenergyrisk.com www.powerenergyrisk.com Managing Underwriter

PersonalUmbrella.com

Omaha National

For more information, check out our ad on the cover! (Cover Tip) PO Box 451139, Omaha, NE 68145

Phone: (844) 761-8400, Fax: (844) 761-8402 E-mail: sales@omahanational.com www.omahanational.com

Omaha National is a premier provider of workers compensation insurance. Accepting experience-rated risks up to 300k in premium. Offering coverage for a wide variety of businesses. Insurance Carrier (PPIC) is rated A (Excellent) by A.M. Best Company. We offer three ways to pay premium.

Orchid Insurance

1201 19th Place, Ste. A110, Vero Beach, FL 32960

Phone: (772) 226-5546

E-mail: marketing@orchidinsurance.com www.orchidinsurance.com

MGA, Managing Underwriter

Orion Commercial Insurance Services Inc. P.O. Box 30634, Walnut Creek, CA 94598

Phone: (925) 627-6040, Fax: (925) 280-0333 E-mail: al@orionslb.com Not Available

A Licensed Surplus Broker

For more information, check out our ad on page 16 (National). P.O. Box 8586, Emeryville, CA 94662

Phone: (800) 564-1799, Fax: (510) 655-3076 E-mail: dsmith@personalumbrella.com PersonalUmbrella.com

MGA, Managing Underwriter

Philadelphia Insurance Companies

For more information, check out our ad on page 7 (National). 231 Saint Asaphs Rd., Ste. 100, Bala Cynwyd, PA 19004

Phone: (800) 873-4552, Fax: (610) 617-7940

E-mail: phlysales@phly.com www.phly.com

A Licensed Surplus Broker

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.

Alphabetical Directory of Intermediaries and Carriers

Poulton Associates

3785 S. 700 E., Salt Lake City, UT 84106

Phone: (801) 316-4228

E-mail: service@catcoverage.com https://www.CATcoverage.com A Licensed Surplus Broker

Prime Insurance Company

1 S. Dearborn St., Ste. 800, Chicago, IL 60603

Phone: (800) 257-5590, Fax: (877) 452-6910

E-mail: RJL@primeis.com www.primeis.com

Proctor Loan Protector

5225 Crooks Rd., Troy, MI 48098

Phone: (800) 521-6800, Fax: (248) 269-5605 E-mail: info@pfic.com www.proctorlp.com

MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

Professional Governmental Underwriters

4870 Sadler Rd., Ste. 102, Glen Allen, VA 23060

Phone: (800) 586-6502, Fax: (804) 272-7852

E-mail: glester@pgui.com www.pgui.com

MGA, A Licensed Surplus Broker, Managing Underwriter

Professional Insurance Concepts

389 Interpace Pkwy, 4th Fl, Parsippany, NJ 07054

Phone: (862) 286-3470, Fax: (973) 263-0747

E-mail: DGriffin@ProInsConcepts.com www.ProInsConcepts.com

MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

Professional Liability Insurance Services Inc. - Underwriting Facilities

5802 Thunderbird, Bldg 10, Ste. 100, Lago Vista, TX 78645

Phone: (800) 761-7547, Fax: (512) 327-5834

E-mail: underwriting@plisinc.com www.plisinc.com Lloyd’s Correspondent

Professional Program Ins. Brokerage, a Div of SPG Ins. Solutions

1304 Southpoint Blvd., Ste. 101, Petaluma, CA 94954

Phone: (415) 475-4300, Fax: (415) 475-4303 E-mail: info@ppibcorp.com www.ppibcorp.com

MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

Professional Underwriters Agency (PUA)

2803 Butterfield Rd., Ste. 260, Oak Brook, IL 60523

Phone: (630) 861-2330

E-mail: nsmmarketing@nsminc.com puainc.com

MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

Promont Insurance Advisors

1 E. Wacker Dr., Ste. 1920, Chicago, IL 60601

Phone: (312) 262-3300, Fax: (312) 262-3301

E-mail: greg.morris@promontadvisors.com www.promontadvisors.com

MGA, A Licensed Surplus Broker, Managing Underwriter

ProSurance Group, a Div of One80 Intermediaries

2685 Marine Way, Ste. 1408, Mountain View, CA 94043

Phone: (650) 428-0818, Fax: (650) 428-0860

E-mail: financialservices@prosurancegroup.com www.prosurancegroup.com

MGA, A Licensed Surplus Broker

ProWriters

70 E. Lancaster Ave., Ste. 102, Malvern, PA 19355

Phone: (484) 321-2335, Fax: (484) 321-2339

E-mail: info@prowritersins.com www.prowritersins.com

MGA, A Licensed Surplus Broker, Managing Underwriter

Quadrant Insurance Managers

501 W. Schrock Rd., Ste. 301, Westerville, OH 43081

Phone: (614) 841-1425, Fax: (614) 841-1426

E-mail: info@quadrant-us.com www.quadrant-us.com

MGA, A Licensed Surplus Broker, Lloyd’s Correspondent

Quaker Special Risk, a Jencap Company (Florida)

224 Datura St., Ste. 715, W. Palm Beach, FL 33401

Phone: (866) 526-1545, Fax: (561) 833-6616 E-mail: creid@qsr-insurance.com www.qsr-insurance.com

MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

Quaker Special Risk, a Jencap Company (Mass.)

51 Harvard St., Worcester, MA 01609

Phone: (800) 252-8679, Fax: (508) 753-0646 E-mail: kbranscombe@quakerma.com www.quakerma.com

MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

Quaker Special Risk, a Jencap Company (New Jersey)

P.O. Box 1350, Eatontown, NJ 07724

Phone: (800) 447-4180, Fax: (732) 223-9072 E-mail: creid@qsr-insurance.com www.qsr-insurance.com

MGA, A Licensed Surplus Broker, Lloyd’s Correspondent

Quirk & Company

P.O. Box 792030, San Antonio, TX 78279

Phone: (800) 299-9421, Fax: (210) 340-4075 E-mail: kquirk@quirkco.com www.quirkco.com

MGA, A Licensed Surplus Broker, Lloyd’s Correspondent

RealCare Insurance

430 W. Napa St., Ste. F, Sonoma, CA 95476

Phone: (800) 996-0599, Fax: (707) 935-7142 E-mail: realcare@nfp.com www.realcareprograms.com MGA, Managing Underwriter

reThought Insurance

11001 W. 120th Ave., Ste. 400, Broomfield, CO 80021

Phone: (818) 359-2615

E-mail: cory.isaacson@rethoughtinsurance.com https://www.rethoughtinsurance.com/ MGA, Managing Underwriter

RISCO Insurance Brokerage Inc.

60 Catamore Blvd., East Providence, RI 02914

Phone: (800) 533-3649, Fax: (401) 438-0980

E-mail: pplumb@risco-inc.com www.risco-inc.com

MGA, A Licensed Surplus Broker

Risk Placement Services Sacramento 2211 Plaza Dr., Ste. 100, Rocklin, CA 95765

Phone: (916) 780-7000, Fax: (916) 780-7181

E-mail: RPS.Rocklin.Webmail@rpsins.com www.rpsins.com

MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

Risk Strategies, Transportation Group PO Box 360017, Strongsville, OH 44136

Phone: (877) 862-4755, Fax: (914) 636-0802

E-mail: info@risk-strategies.com www.risk-strategies.com A Licensed Surplus Broker

REInsurePro

For more info, check our ad on page 2 (Midwest & East) and page 6 (West).

11500 N. Ambassador Dr., Ste. 310, Kansas City, MO 64153

Phone: (816) 398-4080 E-mail: info@reinsurepro.com www.reinsurepro.com

RelMark Program Managers

961 Pottstown Pike, Chester Springs, PA 19425

Phone: (800) 874-5880, Fax: (610) 321-1011 E-mail: RRittersbach@relmarkgroup.com www.relmark.net

A Licensed Surplus Broker, Managing Underwriter

RLI 9025 N. Lindbergh Dr., Peoria, IL 61615

Phone: (309) 692-1000, Fax: (309) 692-1068

E-mail: Communications@rlicorp.com www.rlicorp.com

RMC Group

27200 Riverview Center Blvd., Ste. 311, Bonita Springs, FL 34134

Phone: (239) 298-8210 E-mail: rmc@rmcgp.com www.rmcgp.com

RockLake Insurance Group Inc.

317 S. Stuart Place Rd, Harlingen, TX 78552

Phone: (800) 716-2559, Fax: (888) 423-4094

E-mail: info@rlig.com www.rlig.com

MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

Roush Insurance Services Inc.

18077 River Rd., Ste. 107, Noblesville, IN 46062

Phone: (800) 752-8402, Fax: (317) 776-6891

E-mail: info@roushins.com www.roushins.com

MGA, A Licensed Surplus Broker

RPS

2850 Golf Road, Rolling Meadows, IL 60008

Phone: (866) 595-8413, Fax: (630) 285-4075

E-mail: contact_us@rpsins.com www.rpsins.com

MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

Alphabetical Directory of Intermediaries and Carriers

RPS Healthcare

525 W. Van Buren, Ste. 1325, Chicago, IL 60607

Phone: (813) 928-3601, Fax: (312) 922-7563

E-mail: Diane_Burrows@rpsins.com https://www.rpsins.com/locations/rps-healthcare-tampa/ A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

RPS Technology & Cyber

204 Cedar St., Cambridge, MD 21613

Phone: (800) 336-5659, Fax: (410) 228-7645

E-mail: Estelle_Cummings@RPSins.com https://www.rpsins.com/industries/technology-insurance/ MGA, A Licensed Surplus Broker, Managing Underwriter

RSI International Inc.

1250 E. Copeland Rd., Arlington, TX 76011

Phone: (800) 275-2084, Fax: (817) 861-8955

E-mail: prainey@rsii.net www.rsimga.com

MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

RT Specialty

180 N. Stetson Ave., Ste. 4600, Chicago, IL 60601

Phone: (888) 884-1900, Fax: (312) 784-6002

E-mail: marketing@rtspecialty.com rtspecialty.com

A Licensed Surplus Broker

Safehold Special Risk

100 Glen Eagles Ct., Carrollton, GA 30117

Phone: (800) 842-8917, Fax: (770) 836-8563 E-mail: customerservice@safehold.com www.safehold.com

MGA, Managing Underwriter

Sapphire Blue

180 N. Stetson Ave., 46th Fl., Chicago, IL 60601

Phone: (312) 784-6007, Fax: (312) 784-6002

E-mail: nancy.mcmahon@sapphireblueuw.com www.sapphireblueuw.com

Managing Underwriter

Shelly, Middlebrooks & O’Leary

Inc.

P.O. Box 2909, Jacksonville, FL 32203

Phone: (800) 342-2498, Fax: (904) 355-7611

E-mail: ekoleary@shellyins.com www.shellyins.com

MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

Shield Commercial Insurance Services 43725 Monterey Ave., Ste. A, Palm Desert, CA 92260

Phone: (760) 345-9029, Fax: (800) 345-4851 E-mail: info@shieldins.net www.shieldins.net

MGA, A Licensed Surplus Broker, Managing Underwriter

SIS Wholesale Insurance Services

1811 Aston Ave., Ste. 200, Carlsbad, CA 92008

Phone: (760) 599-7242, Fax: (866) 467-6701 E-mail: marketing@sisinsure.com www.sisinsure.com

MGA, A Licensed Surplus Broker, Managing Underwriter

Southwest Risk

8144 Walnut Hill Ln., Ste. 1400, Dallas, TX 75231

Phone: (214) 206-4900, Fax: (214) 206-4901 E-mail: info@swrisk.com www.swrisk.com

MGA, A Licensed Surplus Broker

Specialty Insurance

1610 Route 88 Ste. 102, Brick, NJ 08724

Phone: (732) 701-8934

E-mail: apyciak@specialtyagency.com www.specialtyagency.com

MGA, Managing Underwriter

Sports & Fitness Insurance Corporation (SFIC)

212 Key Dr., Ste. A, Madison, MS 39110

Phone: (800) 844-0536, Fax: (601) 853-6141

E-mail: contactus@sportsfitness.com www.sportsfitness.com

MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

Sports & Wellness Insurance

555 E. North Lane, Ste. 6060, Conshohocken, PA 19428

Phone: (610) 808-9599

E-mail: nsmmarketing@nsminc.com nsmsportsinsurance.com

MGA, A Licensed Surplus Broker

Sun Coast General Insurance Agency

P.O. Box 30750, Laguna Hills, CA 92654

Phone: (800) 300-8838, Fax: (949) 768-4045 E-mail: jyeskin@suncoastinsurance.com www.SunCoastInsurance.com

MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

Surety Bond Professionals Inc. 205 Union Street, Natick, MA 01760

Phone: (781) 559-0568, Fax: (781) 559-0569 E-mail: Mark@SuretyBondProfessionals.com www.SuretyBondProfessionals.com A Licensed Surplus Broker

TDC Specialty Underwriters

29 Mill Street, Unionville, CT 06085

Phone: (888) 277-3152, Fax: (888) 277-3152

E-mail: submissions@tdcspecialty.com www.tdcspecialty.com Managing Underwriter

Texas Mutual Insurance Co.

For more information, check out our ad on page 1 (South Central). 2200 Aldrich St., Austin, TX 78723

Phone: (800) 859-5995

E-mail: information@texasmutual.com www.texasmutual.com

The American Equity Underwriters Inc.

32nd Fl, 11 N. Water St., Mobile, AL 36602

Phone: (251) 690-4230, Fax: (251) 690-4299

E-mail: aeu.marketing@amequity.com www.amequity.com

The Hanover Insurance Group

440 Lincoln St., Worcester, MA 01653

Phone: (508) 855-1000, Fax: (508) 635-1193

E-mail: abclark@hanover.com www.hanover.com

MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

The McGowan Companies

Corporate HQ; 20595 Lorain Rd., Fairview Park, OH 44126

Phone: (800) 545-1538, Fax: (440) 333-3214

E-mail: syoung@mcgowancompanies.com www.mcgowancompanies.com

MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

Synergy Professional Associates Inc.

100 Passaic Ave., Ste. 145, Fairfield, NJ 07004

Phone: (973) 995-0500, Fax: (973) 995-0501 E-mail: michelem@synergy-ins.com www.synergy-ins.com

MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

TAPCO Underwriters Inc.

3060 S. Church St., Burlington, NC 27216

Phone: (800) 334-5579, Fax: (336) 584-8880 E-mail: KAllred@gotapco.com www.GoTAPCO.com

MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

Target Managers Insurance Services

10161 Park Run Dr., Ste. 150, Las Vegas, NV 89145

Phone: (702) 588-5300, Fax: (702) 588-5310 E-mail: mkiger@targetmanagers.com www.targetmanagers.com

MGA, A Licensed Surplus Broker, Managing Underwriter

Target Professional Programs 1230 E. Diehl Rd., Ste. 350, Naperville, IL 60563

Phone: (331) 333-8239, Fax: (630) 961-0284 E-mail: sreidy@targetproins.com www.TargetProIns.com

MGA, A Licensed Surplus Broker, Lloyd’s Correspondent

The Mechanic Group, Inc., A Division of Specialty Programs Group LLC

One Blue Hill Plaza, Ste. 530, Pearl River, NY 10965

Phone: (845) 735-0700, Fax: (845) 735-8383

E-mail: mkatz@mechanicgroup.com www.mechanicgroup.com

MGA, A Licensed Surplus Broker

Insurance Programs, Brokerage and Risk Management for the Security Officer, Electronic Security-Alarm, Investigation and Background Screening Industry.

Transportation Risk Underwriters

7237 Oak Ridge Hwy, Knoxville, TN 37931

Phone: (800) 977-9884, Fax: (800) 686-2170

E-mail: underwriting@transportationrisk.com www.transportationrisk.com

MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

Alphabetical Directory of Intermediaries and Carriers

True Transport Insure

555 E. North Lane, Ste. 6060, Conshohocken, PA 19428

Phone: (610) 808-9559

E-mail: nsmmarketing@nsminc.com https://nsminc.com/transportation/ MGA, A Licensed Surplus Broker, Managing Underwriter

Velocity Risk Underwriters LLC

10 Burton Hills Blvd., Ste. 300, Nashville, TN 37215

Phone: (615) 942-0740

E-mail: Info@VelocityRisk.com www.VelocityRisk.com

MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

Veracity Insurance Solutions

260 South 2500 West, Ste. 303, Pleasant Grove, UT 84062

Phone: (866) 395-1308

E-mail: info@veracityins.com www.veracityinsurance.com/product-liability-insurance

MGA, A Licensed Surplus Broker, Lloyd’s Correspondent

World Wide Specialty, a Division of Philadelphia Insurance Companies

68 S. Service Rd., Ste. 235, Melville, NY 11747

Phone: (800) 245-9653, Fax: (631) 390-0922

E-mail: dtaylor@wwspi.com www.wwspi.com

Managing General Agency

Wrap Up Insurance Solutions

16141 Swingley Ridge Rd., Chesterfield, MO 63017

Phone: (636) 489-0185, Fax: (636) 536-7473

E-mail: bbillhartz@wrapupsolutions.com www.wrapupsolutions.com

www.insurancehelper.com

U.S. Risk LLC

8401 N. Central Expy, Ste. 1000, Dallas, TX 75225

Phone: (800) 232-5830, Fax: (214) 647-5035 E-mail: kelly.hauck@usrisk.com www.usrisk.com

MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

Victor Insurance Managers Inc.

770 Wisconsin Ave., Ste. 400, Bethesda, MD 20814

Phone: (301) 961-9800, Fax: (301) 951-5444

E-mail: info.us@victorinsurance.com www.victorinsuranceus.com

A Licensed Surplus Broker, Managing Underwriter

Virtue Risk Partners LLC

One Blue Hill PLaza, Pearl River, NY 10965

Phone: (845) 205-0301

E-mail: jvalenza@virtuerisk.com www.virtuerisk.com

MGA, A Licensed Surplus Broker, Managing Underwriter

Walter General Agency (WGA)

273 Clarkson Rd., Ste. 102, Ellisville, MO 63011

UFG Specialty

For more information, check out our ad on page 13 (National). 101 N. 1st Avenue, Ste. 1750, Phoenix, AZ 85003

Phone: (213) 634-6421 E-mail: specialtymarketing@unitedfiregroup.com www.ufgspecialty.com

At UFG Specialty, best in class service is what we do. We understand response time and decisiveness are key to our broker/partners’ success. Rated A (Excellent) by A.M. Best, we specialize in hard-to-place Excess Casualty, Excess Property, and Inland Marine business.

Universal Insurance Programs

1220 E. Osborn Rd., Phoenix, AZ 85014

Phone: (800) 844-2101, Fax: (866) 512-2272 E-mail: info@uiprograms.com www.uiprograms.com

MGA, A Licensed Surplus Broker, Managing Underwriter

USASIA Insurance Services

319 Union Ave., Pomona, CA 91768

Phone: (909) 618-0288, Fax: (909) 618-0289 E-mail: shirley@usasia-ins.com www.usasia-ins.com

MGA, A Licensed Surplus Broker, Lloyd’s Correspondent

USG Insurance Services Inc.

1000 Town Center Way, Ste. 300, Canonsburg, PA 15317

Phone: (724) 754-9007, Fax: (724) 265-5751

E-mail: jkessel@usgins.com www.aauins.com

MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

Phone: (636) 391-4841, Fax: (636) 391-2115 E-mail: newquotes@wgamo.com www.wgamo.com

MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

Western Surplus Lines Agency Inc.

P.O. Box 6609, Abilene, TX 79608

Phone: (800) 592-4408, Fax: (325) 695-0371

E-mail: bcraig@westernsurplus.com www.westernsurplus.com

MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

PO Box 1549, Grass Valley, CA 95945

Phone: (530) 648-1100

E-mail: info@theeventhelper.com www.insurancehelper.com

MGA, Managing Underwriter

XPT

4965 Preston Park Blvd., Ste. 650, Plano, TX 75093

Phone: (972) 702-0500, Fax: (972) 702-0504

E-mail: mark.kaufman@xptpartnersllc.com www.xptspecialty.com

MGA, A Licensed Surplus Broker, Lloyd’s Correspondent

XPT Specialty

234 Clovis Ave., Clovis, CA 93612

Phone: (559) 256-6900, Fax: (559) 256-6950

E-mail: markschroeder@xptspecialty.com www.XPTSpecialty.com

MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

Western World Insurance Group

300 Kimball Dr., Ste. 500, Parsippany, NJ 07054

Phone: (201) 847-8600, Fax: (201) 847-1010

E-mail: tim.whisler@aig.com www.westernworld.com

January 23, 2023

Forge Insurance Company 7910 Woodmont Ave, Suite 925 Bethesda, MD 20814

The above company has made application to the Division of Insurance to obtain a Foreign Company License to transact Property and Casualty Insurance in the Commonwealth of Massachusetts.

Any person having any information regarding the company which relates to its suitability for the license or authority the applicant has requested is asked to notify the Division by personal letter to the Commissioner of Insurance, 1000 Washington Street, Suite 810, Boston, MA 02118-6200, Attn: Financial Surveillance and Company Licensing within 14 days of the date of this notice.

January 23, 2023

HiRoad Assurance Company

One State Farm Plaza Bloomington, IL 61710

The above company has made application to the Division of Insurance to obtain a Foreign Company License to transact Property and Casualty Insurance in the Commonwealth of Massachusetts.

Any person having any information regarding the company which relates to its suitability for the license or authority the applicant has requested is asked to notify the Division by personal letter to the Commissioner of Insurance, 1000 Washington Street, Suite 810, Boston, MA 02118-6200, Attn: Financial Surveillance and Company Licensing within 14 days of the date of this notice.

January 23, 2023

Westfield Select Insurance Company

One Park Circle Westfield Center, OH 44251

The above company has made application to the Division of Insurance to obtain a Foreign Company License to transact Property and Casualty Insurance in the Commonwealth of Massachusetts.

Any person having any information regarding the company which relates to its suitability for the license or authority the applicant has requested is asked to notify the Division by personal letter to the Commissioner of Insurance, 1000 Washington Street, Suite 810, Boston, MA 02118-6200, Attn: Financial Surveillance and Company Licensing within 14 days of the date of this notice.

January 23, 2023

Sutton National Insurance Company 1855 Griffin Road, Suite B-390 Dania Beach, FL 33004

The above company has made application to the Division of Insurance to obtain a Foreign Company License to transact Property and Casualty Insurance in the Commonwealth of Massachusetts.

Any person having any information regarding the company which relates to its suitability for the license or authority the applicant has requested is asked to notify the Division by personal letter to the Commissioner of Insurance, 1000 Washington Street, Suite 810, Boston, MA 02118-6200, Attn: Financial Surveillance and Company Licensing within 14 days of the date of this notice.

January 23, 2023

Prescient National Insurance Company 217 S. Tryon Street Charlotte, NC 28202

The above company has made application to the Division of Insurance to obtain a Foreign Company License to transact Property and Casualty Insurance in the Commonwealth of Massachusetts.

Any person having any information regarding the company which relates to its suitability for the license or authority the applicant has requested is asked to notify the Division by personal letter to the Commissioner of Insurance, 1000 Washington Street, Suite 810, Boston, MA 02118-6200, Attn: Financial Surveillance and Company Licensing within 14 days of the date of this notice.

January 23, 2023

Vantage Risk Insurance Company 123 North Wacker Drive, Suite 1300 Chicago, IL 60606

The above company has made application to the Division of Insurance to amend their Foreign Company License to transact Property and Casualty Insurance in the Commonwealth of Massachusetts.

Any person having any information regarding the company which relates to its suitability for the license or authority the applicant has requested is asked to notify the Division by personal letter to the Commissioner of Insurance, 1000 Washington Street, Suite 810, Boston, MA 02118-6200, Attn: Financial Surveillance and Company Licensing within 14 days of the date of this notice.

Advertisers Index

AIG www.aig.com 5 AmWins www.amwins.com 17

Applied Underwriters www.auw.com 2, 3, 64

EPIC Brokers www.epicbrokers.com 21, 26

Foremost Insurance Group www.foremoststar.com 15

Freberg Environmental www.feiinsurance.com 31

JM Wilson www.jmwilson.com W2, S2, M1

M.J. Hall & Company, Inc. www.mjhallandcompany.com W3

Monarch E&S Insurance Services www.monarchexcess.com W7

Nationwide Mutual www.nationwide.com 25

Nautilus Insurance Company www.nautilusinsgroup.com 29 Northfield Excess & Surplus Lines www.northfieldins.com 19

Omaha National Underwriters www.omahanational.com 1

Pacific Gateway Insurance Services www.pgiainsurance.com W5

PersonalUmbrella.com www.personalumbrella.com 16

Philadelphia Insurance Companies www.phly.com 7

REInsurePro www.reinsurepro.com/IJ W6, E2, M2

Smart Choice Agents Program www.smartchoiceagents.com 9

Surplus Lines Association of California www.slacal.com W8 Texas Mutual www.texasmutual.com SC1 United Fire Group www.ufgsolutions.com 13

January 23, 2023

FCCI Insurance Company 6300 University Parkway Sarasota, FL 34240

The above company has made application to the Division of Insurance to obtain a Foreign Company License to transact Property and Casualty Insurance in the Commonwealth of Massachusetts.

Any person having any information regarding the company which relates to its suitability for the license or authority the applicant has requested is asked to notify the Division by personal letter to the Commissioner of Insurance, 1000 Washington Street, Suite 810, Boston, MA 02118-6200, Attn: Financial Surveillance and Company Licensing within 14 days of the date of this notice.

How AI Can Transform Insureds’ Lives in 2023

By Robert Clark

‘Now

to address the next challenge — the ability to trust AI. While the promise of AI is alluring, if it does not provide accurate, unbiased and micro-personalized innovations with impeccable levels of data transparency and security, AI is not ready for prime time.

frequent, recommendations for drivers on how to be safer and improve their insurance rates. With continued economic pressure and instability, saving money on car accidents, fuel and insurance rates will likely be more important in 2023.

Individuals could be better prepared for a disaster, with intelligent recommendations about their lives and assets to reduce the likelihood of accidents or claims as much as possible since the exact impact of a disaster is never certain.

Artificial intelligence (AI) has been a popular topic of year-end prediction articles in recent years. Looking ahead in 2023, I offer a viewpoint that goes beyond the marketing buzz with my forecasts of the value insurers could realize from AI and the potential impacts these AI implementations will have on their customers.

Trusting AI

This time last year, I made the case for insurers to begin taking their insurance data more seriously. Now it is time

After effectively consolidating large streams of data securely and accurately, I expect insurers will feel more confident in the integrity of their models — models that will serve as the basis for the intelligent products and services they will offer insureds.

While insurers have not figured out in a concrete way what insurance AI products and services to offer, there are industry trailblazers that I believe will lead the way beyond telematics to really personalize the value insurance can deliver to customers.

This likely will begin with auto insurance, as most work done by insurtechs and large insurers with machine learning (ML) has been around understanding data to prevent risks. I think insurers will start offering daily, if not more

Beyond Buzzwords

While buzzwords make for good headlines and marketing, the insured does not care about a carrier’s digital transformation if it does not impact their pocketbooks or quality of life. As we are witnessing across many industries, reducing expenditures is a major priority, which is resulting in slashing budgets, hiring freezes and layoffs. These pressures will make insurers wake up and look for technology partners and internal employee talent that can translate AI into meaningful value for the insured.

Natural Disasters

As large insurers refine their ability to increase or decrease insurance coverage during a disaster through the analysis of customer data models, there is an opportunity to do more. And insureds can be more active partners in protecting themselves and others.

The most immediate area is by leveraging more sensors and applications that can track a person’s activities along with their cars, homes and other assets in real time to make parametric insurance rates and coverage personalized to the individual and not on a macro level. If insureds and carriers can do this together, it would be a HUGE achievement.

Customer Experiences

As consumers purchase more sensor-based technologies and increase permissions to monitor more data, this will create opportunities for new technology partnerships between P/C insurers and vendors in healthcare, tourism, entertainment and other areas to ensure positive, safe customer experiences.

For example, an individual with diabetes can have data from implantable glucose monitors synced with their auto insurer’s telematics system, which can trigger an alert to the fact their blood glucose levels are concerning. As part of the alert process, the insurer could advise the individual to perform safe driving tactics such as pulling over to take the required medicine or finding a store with the food they need to protect their health.

There are likely many other areas where insurance and AI can deliver value, but we must master the foundational things like trust, security, transparency and accuracy first. From there we can build on real-world, valuable offerings inside and outside the industry to transform lives.

Clark is CEO of Cloverleaf Analytics, an enterprise business intelligence and analytics provider for P/C insurers.

it is time to address the next challenge — the ability to trust AI.’