Insurance Journal West 2023-06-05

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Employee Recognition

Finding a job that you love with the opportunity to build a financially rewarding career is certainly possible. However, maintaining a balance between the career you love, and life, can sometimes be challenging.

But what role do managers play in an employee’s perception of work-life balance? A big role. For employees to feel fulfilled by their work, they must know that their efforts are appreciated by both their leaders and their peers. That’s according to a new study published by O.C. Tanner, a software and services organization that provides its Culture Cloud employee recognition platform to employers to improve workplace culture. But there’s more work to do according to the survey, which found that many employees today feel exhausted and frustrated.

Specific to insurance industry respondents, the report noted that 39% of insurance professionals are finding their work exhausting, with 28% feeling emotionally frustrated. O.C. Tanner’s 2023 Global Culture Report collected and analyzed the perspectives of over 36,000 employees, leaders, HR practitioners, and business executives from 20 countries around the world, including 606 from the insurance sector.

“When an employee doesn’t have the balance right, they are 89% more likely to suffer burnout,” the survey said. “An organizational culture that doesn’t prioritize staff recognition will also increase the odds of poor mental health, with employees who feel appreciated for their efforts and results, 80% less likely to suffer burnout.”

“Employees feeling exhausted with their dayto-day work is symptomatic of a workplace that needs urgent attention” says Robert Ordever, European managing director of workplace culture expert, O.C. Tanner. “Leaders need to take an honest look at their culture to see whether their people have a good work-life balance, are regularly recognized, and feel part of a supportive and purpose-driven community. If these elements are lacking then employee mental health will invariably suffer, and the business will experience high levels of absence and staff turnover.”

If employees are to obtain a healthy balance between their work and personal lives, the report recommends that leaders give their people a say in how they work, as well as what work they do.

Organizations must also establish pragmatic practices and expectations that support balance, while ensuring employees have opportunities to take time away from work without feeling any pressure, guilt, or obligation to work during their time off. Ensuring senior leaders communicate and demonstrate the importance of balance is also key, thereby making it a normal, natural part of everyday culture.

The culture must also be one of support and appreciation, in which frequently and authentically recognizing employees’ efforts, achievements and career milestones becomes commonplace.

“For employees to feel energized and fulfilled by their work, they must know that their efforts and results are appreciated by both leaders and peers,” Ordever added. “This means nurturing a culture of integrated recognition in which acts of appreciation are given, witnessed and received every single day.”

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

Content Editor Allen Laman | alaman@wellsmedia.com

Assistant Editor Jahna Jacobson | jjacobson@insurancejournal.com

Copy Editor Stephanie Jones | sjones@insurancejournal.com

Columnists & Contributors

Contributors: Elizabeth Blosfield, Frederick Fisher, Jim Sams, Zane Smith

Columnists: Catherine Oak, Mary Newgard

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

Employees who feel appreciated for their efforts and results are 80% less likely to suffer burnout.

News & Markets

Auto Claim Severity Up 35% Over Pre-Pandemic Rates: LexisNexis Report

By Jim Sams

Claim severity for bodily injury and property damage increased by 35% since 2019, while collision claim severity has jumped 40%, LexisNexis Risk Solutions says in a new report.

The data broker’s 2023 U.S. Auto Insurance Trends report says the amount of traffic on U.S. roadways plummeted after the onset of the pandemic in March 2020, but volumes returned nearly to pre-pandemic levels last year. Total miles driven in 2022 were just 5% lower than in 2019.

But motorists are driving like the roads are still empty. The report says the number of major speeding violations were up 20% above 2019 rates, “largely due to increases in the northeastern states, which tend to have large population centers.”

Minor speeding violations surpassed 2019 levels for the first time since the pandemic. “Although the increase is less than the relative increase in major speeding, its growth rates are just as concerning,” the report says. “This development is significant, as minor speeding represents the single highest category of moving violations, and is also one of the highest total volume categories.”

LexisNexis said the number of violations may reflect an effort by law enforcement to crack down on speeding in light of documented evidence that motorists are driving faster and corresponding increases in traffic fatality rates.

“Essentially, more tickets are being given today per each mile driven,” the report says.

There was one note of good news: The report noted that the total number of fatalities on U.S. highways dipped 0.2% during the first three quarters of 2022 compared to the same period in 2021.

Auto claims data does not reveal any hint of improvement. LexisNexis said bodily injury claims were 8% to 10% higher than the prior year, on top of a more volatile surge in 2021 that led to the total

bodily injury claim cost increase of 35% since 2019.

Growth in property damage claims also moderated in 2022 to an 8.5% increase, but that still led to the 35% jump over 2019 property damage costs, the report says.

Collision claim severity was up 9% in 2022 compared to 2021, for a total increase of 40% over the pre-pandemic 2019 level. The share of claims that resulted in total losses also increased, to 27% of collision claims in 2002 from 24% in 2021.

LexisNexis said the increase is significant because total loss claims take more time and effort, often requiring adjusters to manually search for data from multiple sources.

The report says inflation also played a role in the increase in severity. The cost of motor vehicle parts and equipment increased 10% over the prior year, accord-

ing to U.S. Bureau of Labor Statistics data. Repair costs increased by 19% during that period.

The report says increased adoption of advanced driver assistance systems (ADAS) may provide an antidote for rising claims costs. They have proven to be very effective in reducing accident rates and claim frequency.

Some ADAS features are more effective than others. LexisNexis said many combinations of ADAS features lead to loss cost reductions of 5% or less, but others reduce costs by 20% to 25%.

Increased adoption of electrical vehicles, which generally are equipped with ADAS, may also tend to decrease loss costs, the report says.

Sams is the editor of Claims Journal, a Wells Media Group publication.

AM Best: Only Two Impaired Insurers in ’22, Down From 10 in ’21

Despite the reversal seen in the U.S. equity market and rising inflation and interest rates, property/ casualty insurers performed well in 2022, according to the latest report on the longterm impairment rates of AM Best-rated, U.S.-domiciled insurance companies.

The report, Best’s Impairment Rate and Rating Transition Study — 1977 to 2022, added just two P/C insurance companies to the list of impaired insurers in 2022, FedNat Insurance Co. and Americas Insurance Co. In the previous year, 10 carriers were identified as impaired by AM Best.

Rising loss costs, catastrophe frequency and social inflation were the main concerns for P/C insurers, even as pricing momentum and investment income remained favorable.

“Despite a moderate decline in surplus driven by significant unrealized losses in asset holdings, the majority of P/C companies maintain strong risk-adjusted capitalization,” the report stated.

The study, aimed at estimating the risk of impairment of U.S. insurers, covers 45 one-year periods from Dec. 31, 1977, to Dec. 31, 2022, and includes U.S. insurers that had at least one Financial Strength Rating (FSR) or one corresponding Long-Term Issuer Credit Rating (ICR) during the study period.

Two categories of impairment were noted:

• Gross impairments encompass the broadest definition of impairment and include companies that AM Best has ceased rating by the time of impairment.

According to the credit rating company, “Gross impaiments reduce cohorts of insurance carriers by withdrawn ratings, thus further boosting impairment rates.”

• Net impairments represent gross impairments, but insurers that became impaired after rating

withdrawal were not counted, and cohorts of insurers are not reduced for withdrawn ratings.

Hurricane losses, a high number of litigated claims, and suspected roof replacement fraud caused one insurer, domiciled in Florida, to become impaired. A Louisiana-domiciled company became impaired following multiple hurricane-related losses (from Ida, Laura, Delta and Zeta). Fourteen companies, either domiciled in Florida or Louisiana, including AM Best-rated and non-AM Best-rated companies, have become impaired due to natural catastrophes since the start of 2021. The increase in frequency and severity of catastrophe events, especially secondary perils, according to the report, has placed a significant amount of pressure on insurers in recent years.

AM Best points out that some findings in the study tend to be intuitive. For example, a given rating in one year, such as “a-,” tends to be a good predictor of a similar rating in the following year. In addition, a financially weak company is more likely than a financially strong company to become impaired. And for companies with higher initial ratings, the time to impairment tends to be longer.

It took an average of 17.0 years for FICs

[financially impaired companies] that were initially rated “A++/A+” to become financially impaired, but only an average of 11.4 years for FICs rated “B/B-.” It took an average 9.9 years for the FICs initially rated “D” to become financially impaired, Best said.

A weak financial status and the frequency of more extreme weather has contributed to increased impairments in the U.S. P/C industry.

In 2022, Hurricane Ian, a Category 4 hurricane that caused significant damage to the southeast, was the costliest U.S. natural catastrophe event. In addition, Winter Storm Elliott also caused sizeable losses. The analysis found that among the 19 weather-related impairments, including both AM Best-rated and non-AM Best-rated companies, only two became impaired in 2012 and 2013; the rest became impaired in the past six years.

Fourteen companies became impaired in the past 28 months, mainly due to Hurricane Matthew in 2016; Hurricanes Harvey, Irma, and Maria in 2017; Hurricane Michael in 2018; Hurricanes Laura, Sally, Delta, and Zeta in 2020; and Hurricane Ida in 2021.

Of the 5,323 companies that had an AM Best rating during the 1977-2022 period, 752 became financially impaired.

Figures

$22 Million

$20,000

The amount in back wages a federal court jury awarded to more than 7,500 employees working for East Penn Manufacturing Co. Inc. — a large battery manufacturer — after the U.S. Department of Labor department proved the company failed to pay the employees overtime pay. The DOL said the award by the 12-member jury marks the largest recorded verdict under the Fair Labor Standards Act obtained by the department.

The amount Washington Insurance Commissioner Mike Kreidler fined Airbnb for acting as an unauthorized insurer in the state. Kreidler also ordered the vacation rental company to obtain a surplus lines insurance policy to continue offering its Host Damage Protection program in Washington. Kreidler’s office said the HDP program, which advertised $1 million in coverage for damages caused by a guest, was included with bookings as part of the company’s AirCover program, provided under a general liability policy with hosts covered as insureds. Airbnb maintained it is not an insurance policy but a guarantee of a guest’s obligation to pay for damages to a host’s listing.

$6 Million

The number of individuals who were charged in May with auto insurance fraud and taking advantage of Michigan residents who were in auto accidents, according to Michigan Attorney General Dana Nessel and Department of Insurance and Financial Services Director Anita Fox. Nessel said that fraud investigation teams at the Department of Insurance and Financial Services’ and the AG’s Auto Insurance Fraud Unit “worked tirelessly for years to see this case through.”

The amount a Sarasota, Florida, insurance agent and financial consultant was found guilty of defrauding from elderly Floridians. The victims believed their money was going to fund a life insurance startup known as FastLife. Phillip Roy Wasserman, 66, who is also a former lawyer, was convicted of wire fraud and mail fraud charges in the long-running deceit, which prosecutors said worked like a Ponzi scheme. Instead of using the victims’ money to invest in the FastLife product, Wasserman used much of it for personal gain, according to prosecutors.

Declarations

Cyber Risks

“Threat actors are forever looking for targets with weak security controls or unprotected infrastructures — these are the paths of least resistance into a company’s network. … Unfortunately, that’s why human inaction, such as not patching a publicized critical vulnerability or updating out-of-date software, is a high risk factor for a cyber incident or cyber claim.”

— Said Catherine Lyle, Coalition’s head of claims, in a Coalition report showing that outdated technology, poor software maintenance, and the clicking of malicious links were most to blame for cyber insurance claims experienced by policyholders in 2022.

Recreational Pot

“Knowing that a majority of our residents support legalization, it is reasonable to assume change is inevitable. … To ignore this reality would be shortsighted and harmful. That is why, with the right policy and framework in place, I stand ready to sign a legalization bill that puts the state of New Hampshire in the driver’s seat, focusing on harm reduction — not profits.”

— New Hampshire Gov. Chris Sununu proposed a path forward to legalize recreational marijuana a day after state legislators rejected a legalization attempt there. Sununu said the state should regulate recreational marijuana in the same way it controls the sale of wine and spirits. New Hampshire is the only state in New England that makes it a crime to smoke pot recreationally.

Amara’s Law

“Through her pain and exhaustion, Amara was willing to be a voice of those who have become the victims of illnesses that are linked to these forever chemicals.”

— Said Michael Strande, father of Amara Strande, a Minnesotan who died two days shy of her 21st birthday from a rare form of liver cancer. She spent the last months of her life campaigning for restrictions on the use of “forever chemicals” such as PFAS, or per- and polyfluoroalkyl substances. She believed PFAs were part of what caused her cancer, which was diagnosed when she was 15. Proposed Minnesota legislation, named “Amara’s Law,” would ban certain non-essential uses of PFAs.

No Support

“It doesn’t have the support of the Legislature.”

— Texas Republican state Rep. Ryan Guillen said after a bill that would raise the purchase age for semiautomatic rifles from 18 to 21 was allowed to advance out of a Texas House committee. Two Republicans joined Democrats in an 8-5 vote on the House Select Committee on Community Safety to advance the bill. It has almost no chance of becoming law. Guillen, who chairs the committee, voted against the measure and Republican Gov. Greg Abbott has spoken against it.

Firearms Protections

“With regards to the law, the GOP supermajority is more focused on protecting firearms and manufacturers and dealers than protecting our children and communities.”

— Tennessee Rep. John Ray Clemmons, a Democratic from Nashville, said after Tennessee Gov. Bill Lee signed off on additional protections for gun and ammunition dealers, manufacturers and sellers against lawsuits within a bill that lawmakers passed after a deadly school shooting in March. The Republican governor signed the legislation May 11; it becomes effective July 1.

Climate Litigation

“It’s highly significant that this case is going to trial at all. … Getting all of this information on the record will be a major advancement in climate litigation.”

— Sandra Nichols Thiam, an attorney with the Environmental Law Institute, said after a Montana judge allowed a climate change lawsuit from young people challenging the state’s pro-fossil fuel policies to proceed to trial despite efforts by the state to derail the case. The trial would be the first of its kind in the U.S., according to climate law experts. However, because of prior rulings that limited the scope of the Montana case, a victory for the plaintiffs would not automatically alter the state’s regulation of fossil fuels.

Consistent Policy Wording Bringing Some Relief to Evolving Cyber Market

By Elizabeth Blosfield

Consistency within cyber insurance policies is something the industry has been grappling with for nearly a decade, according to speakers at the annual RIMS Riskworld conference, held this year in Atlanta, but the industry is beginning to see a light at the end of the tunnel.

“I can’t underscore enough how much better the cyber marketplace has gotten in that regard,” said William Bennett, partner at Saxe Doernberger & Vita. “There are still policies with two insuring agreements and policies with 25 agreements and 400 definitions, but at least now they largely get to the same place.”

Bennett spoke during a session about cyber coverage responses to the current global risk climate. Thomas Francavilla, director of insurance programs at Stratus Risk Associates, spoke during the sesssion, as well. He pointed to an example of an exercise the Stratus team recently did with a broker client that is 51% owned by a banking group. The company was transitioning away from having standalone cyber policies in place for each broker in favor of one parent-owned cyber policy.

“Every single one of them — the brokers — had their opinions about why the cyber form that they had already was the best one and why that’s the one the parent should use,” he said.

Francavilla said his team worked on putting together a side-by-side comparison of all nine standalone forms in order to find the best solution. “It really did range from literally policies with one first-party insuring agreement, one third-party insuring agreement and then excluding stuff out, and two policies with 25 insuring agreements and definitions within definitions that only exist with the purpose of defining other definitions,” he said.

At the end of the exercise, however, Francavilla said his team found it difficult to make a recommendation to the client about the best form to use. “Almost all of them were missing something the other forms had, but they were all also almost

entirely overlapping,” he said. “If we had done that exercise 10 years ago, it just simply wouldn’t have been true, not at all. So, from the risk manager’s perspective, now we’re in a much better place in terms of what you’re getting. There are still things here and there that you can do to improve the policy, but it’s a lot more consistent.”

This consistency is serving the industry well, particularly when it comes to silent cyber, both panelists agreed. Bennett defined silent cyber as “the idea that there’s still some cyber coverage lurking out there in other policies that aren’t cyber policies.”

He pointed to Merck & Co.’s NotPetya case as an example of the need for clarity in terms of exclusionary language and definitions within policies. Insurance Journal reported in May that the appellate division of New Jersey Superior Court upheld a state trial court opinion that the war exclusion in drugmaker Merck & Co.’s all-risk property insurance policies does not apply in the case of the cyber attack the company suffered in 2017. The appeals court affirmed that insurers could not use the policy exclusion to avoid covering about $1.4 billion in damages Merck said it suffered from a spring 2017 cyber attack known as NotPetya.

“Again, clarity is great,” Bennett said. “Those situations involve ambiguous exclusions, and that one was great to the lawyers, right? Billions and millions of dollars were spent litigating those property claims.”

In addition to clear exclusionary language, Bennett emphasized the importance of ensuring different lines of coverage fit together. “You want to make sure that when you’re losing [coverage] in one place, you do still have it in that other place,” he said.

Francavilla agreed. “Our approach to all of our clients is generally to make sure that your policies are working together, you know, to make sure … you have coverage in the appropriate place,” he said.

The conversation about silent cyber points to another challenge for organizations: gaining access to the right cyber coverage in the first place. As cyber policies adapt to the evolving risk landscape, insureds will need to evolve as well, both speakers agreed.

“To get coverage, you have to be a cyber secure organization, generally speaking,” Francavilla said. “Cybersecurity is continuously evolving, and the bad actors are moving quickly. They’re very innovative in finding new ways to breach systems,

whether it’s through something as simple as a phishing attack or whether it’s something as complex as a state-sponsored situation.”

Think Like a Tech Company

Francavilla said this means that every company needs to fundamentally be thinking like a technology company. “Whether that’s your internal systems, whether that’s an internal network, whether that is a client-facing system that gathers data, or even just how you internally handle your files ... there’s an email address, there’s a computer server, there’s a client-facing application that is at risk.”

He said it’s important for companies to have a chief information security officer and retain consultants to perform 24-hour monitoring of systems, as well as establish backups in case systems are disconnected from the network, ensure multi-factor authentication is in place, and offer robust training for employees.

“Make sure that if you have a company with lots of employees that access your systems, that they’re being tested, and it’s not always the younger or less experienced employees that you’re worrying about in a situation like that,” he said. “Some of our clients actually have noticed that the more senior executives tend to fall for the phishing attacks far more frequently than the younger employees. Younger employees tend to have the benefit of growing up with the technology and being a little bit more naturally suspicious.”

He said at Stratus, his team was recently put to the test when they received a fake phishing email from Francavilla.

“Our security folks found ways to integrate with the Microsoft Active directory and to send out those test emails using my name — very official. And all of [my team members] called [me], which I thought was a very positive response,” he said. “That’s something that carriers are going to be looking at, you know — what is your testing and training regimen?”

Becoming a Better Risk

In addition to training regimens, Francavilla said it’s important for companies to establish a business continuity

policy that is also being tested. This can help companies understand how to respond if an attack does occur.

“Becoming a better risk for an insurance company will make you are a more secure company,” he said.

Despite any changes that have occurred within cyber insurance policies, more changes are likely on the horizon, the speakers said. Artificial intelligence is just one way the industry could be kept on its toes, according to Bennett.

“It’s just the next of many, many ways that the market will have had to react and adapt,” he said. “Certainly at the moment, it seems like it’ll be one of the most significant.”

He said that although he expects insurance policies to address AI in the future, it’s still too early to make predictions with any certainty as to how policies will need to change. “Anything that’s been written so far would be nothing but speculation,” he said. “I would have to believe that within

the next year of renewals, there will be something in that policy somewhere that addresses [AI], but it’s really hard to say at this point.”

Francavilla added that while he has seen questions on applications that are starting to touch on AI, nothing significant has come across his radar just yet.

“I think, you know, the fundamentals don’t change, right?” he said. “The fundamental [questions] of: How is it being implemented? Where is the technology actually being housed? How is the access to that technology being monitored? I think some of the fundamentals around that don’t change. It’s the nuance of what’s coming out of that AI and how it’s being utilized in the business.”

That said, RIMS attendees could see more AI topics on the agenda next year, Bennett said.

“I’ll try to find another catchy presentation title,” he joked. “Ask us about it again next year.”

Hotels and Motels

Older frame construction? Exterior corridors? Non-sprinklered property? Hundreds of hotels and motels rely on AIU for complete property coverage. Policies include a $500 million blanket limit per occurrence, plus enhanced coverage like flood, earthquake, and water damage.

How Will Economic Pressures Affect the Property/Casualty Industry?

By Allen Laman

How could the current economic environment affect workers’ compensation — and the property and casualty insurance industry overall –in 2023?

That’s a question that insurance veteran Robert Hartwig addressed in a recent presentation. Hartwig, a clinical associate professor of finance and insurance at the University of South Carolina’s Darla Moore School of Business, laid out his predictions at the NCCI Annual Insights Symposium in Orlando, Florida.

Despite banking and national budget debacles, financial market volatility and a mild recession likely looming, Hartwig’s prognostication was largely optimistic.

“The P&C insurance industry is strong, stable, sound and secure,” he said.

Economic Overview

At last year’s Annual Insights

Symposium (AIS) conference, Hartwig told attendees the U.S. was not and would not enter a recession in 2022. That proved true. At the same time, however, consumer sentiment is still relatively low today.

“It’s near 20-year lows,” Hartwig explained, “although it’s come up a little bit in the past year, in part because inflationary pressures have begun to ease. And it is those inflationary pressures that are making people really feel down about the economy.”

Though a recession isn’t inevitable, Hartwig said the consensus view is that the economy will tip to a shallow recession in the second half of 2023. The expectation, Hartwig said, is that when the AIS returns next spring, the economy will be beginning to recover.

Impact on Property/Casualty Insurance

During years in which the U.S. economy experienced a recession for at least three months, the average workers’

compensation combined ratio is 105. In non-recession years, it’s 104.6. And in all years, it’s 104.7

“So, there’s no statistically meaningful difference in terms of the underwriting performance in the workers’ comp line in recessionary years versus non-recessionary years,” Hartwig shared. “At least over the last half-century.”

According to Hartwig, recession has no discernable impact on workers’ comp — or overall property/casualty underwriting performance — based on data from the past 50 years.

Recession does, however, adversely impact commercial lines premium growth rates, though the magnitude varies with the state of the underwriting cycle.

Returns on equity are also impacted by recession — and may rise if there is a recession this year due to rising interest rates and investment incomes.

Hartwig believes a recession in 2023 will likely:

• Lead to deceleration in commercial lines net premiums written growth

• Take pressure off current hard market as

Commercial Property Premiums Up Over 20% to Start 2023: CIAB

Commercial property premiums increased more in the first quarter of 2023 than they have in more than 20 years as the first three months of the year marked the 22nd straight quarter of overall premium increases, at 8.8%, according to a new survey from The Council of Insurance Agents & Brokers.

Changing roles with cyber as the insurance market’s typical “outlier” to recent premium increase moderation, commercial property premiums spiked 20.4% in Q1 — the first time since 2001 that commercial property recorded an increase of over 20%, according to Q1 Commercial

Property/Casualty Market Index respondents, one of which said the property market hardened quicker than anyone can remember.

Inflation and natural catastrophe risk were the main drivers of the Q1 premium increase in commercial property. Loss-of-use is being negatively affected by supply chain issues, increasing repair costs.

More than 60% of respondents also reported an increase in the frequency of commercial property claims from weather events.

Brokers taking the survey said insurers pushed for updates to replacement values

and recent improvements, with tightening in catastrophe exposed property. Eightyfive percent said they saw a reduction in capacity for property, with nearly half describing the reduction as “significant.” Meanwhile, cyber premiums during Q1 went up 8.4% as opposed to increases north of 20% a year ago and 15% last quarter. CIAB said about a third of respondents said there was also an increase in capacity for cyber, “suggesting carrier attitudes towards underwriting the line may have started to shift.”

CIAB said it “seems like that focus on incentivizing insureds to adopt a more aggressive cyber risk management strategy has had some success. In Q1 2022, the number of respondents reporting a rise in cyber claims was 72%. By this quarter, that number had fallen to just 39%.”

Robert Hartwig

demand for P/C insurance slows

• Not be a repeat of the 2008 financial crisis.

Hard Insurance Market

“We’re still in the midst of a hard market,” Hartwig said, “so this hard market has persisted. The question is: Can it possibly persist amid a recession? Amid a weakening economy?”

It did through the end of last year. And Hartwig expects it to persist through 2023 –“but not in quite such an intense manner,” he said.

Still, workers’ compensation rates have been basically flat or slightly down for several years due to strong underwriting results — while all other commercial lines experienced increases in the fourth quarter of 2022.

“Despite the extraordinary economic and political uncertainty in the United States today, workers’ compensation will remain among the strongest performing of

all P&C lines,” Hartwig wrote in a follow-up email.

The “X-Date”

During his presentation, Hartwig spoke of the impending “X-Date” that could affect the likelihood of recession, trajectory of interest rates, and overall financial market volatility.

The U.S. national debt hit its ceiling in January, and the treasury has implemented what Hartwig described as extraordinary measures in recent months to meet its obligations. When these measures are exhausted, Hartwig explained, the U.S. could default on its debt and lead to delayed payments for some government activities.

Treasury Secretary Janet Yellen has said this “X-Date” could be reached as soon as June 1. The last major debt impasse in 2011 led to increased interest rates, as well as the plunging of commodity prices and consumer confidence.

Banks Are in Crisis. Are Insurers Next?

Last year was a bad year for P/C insurers. The industry had a $35.6 billion underwriting loss and insurers carried $111 billion in unrealized investment losses. Collectively, the industry experienced a $95.5 billion drop in policyholder surplus.

Despite all that, Hartwig believes the insurance industry will remain stable. He said that there aren’t runs on insurers, insurers tend to invest conservatively, and insurance markets are operating normally.

“I have every confidence to believe that property/casualty insurers are doing well,” Hartwig said.

He later added that higher interest rates are pushing investment income sharply upward for P/C insurers. The industry saw about $62.2 billion in investment income in 2022. That number is expected to increase to $68.8 billion in 2023.

To watch the full presentation, visit the www.ncci.com.

With our deep product and industry expertise, we deliver global solutions to address the unique risks you face. Our experts have a comprehensive understanding of your technology business. Let us tailor a solution for your specialized insurance needs.

To learn more, talk to your broker or visit intactspecialty.com

Business Moves

RHP’s Greg Vanek and his team will remain in their current location under the direction of Russell Duffey, head of RPS’ program administration division.

RHP is a managing general agency specializing in residential property insurance for clients throughout Texas.

Arthur J. Gallagher is an insurance brokerage, risk management and consulting services firm headquartered in Rolling Meadows, Illinois.

Southeast

Midwest

G&G Independent Insurance, Robbins Insurance Group

G&G Independent Insurance has acquired Branson, Missouri-based Robbins Insurance Group.

G&G has been serving the insurance needs of clients in Missouri and surrounding states for over nine years.

Robbins Insurance Group was founded by Blake Robbins in early 2018. As part of the merger, current RIG employees will join the G&G team. Blake Robbins will continue to own and operate Robbins Financial, and act as a consultant to G&G during the transition period.

World Insurance Associates, Morris Insurance Group

World Insurance Associates LLC acquired the business of Morris Insurance Group Inc. of Clinton Township and Rochester, Michigan

Morris is an insurance agency providing personal insurance, commercial insurance and health and life insurance.

World Insurance Associates is headquartered in Iselin, New Jersey.

South Central

Alliant Insurance Services, McAnally Wilkins LLC

Alliant Insurance Services acquired McAnally Wilkins LLC, a provider of property/casualty insurance solutions for the oil and gas service industry. Based in Odessa, Texas, McAnally

Wilkins provides insurance and risk management expertise, as well as comprehensive employee benefits programs for businesses focused on oilfield service and oil transportation.

McAnally Wilkins offers a broad range of insurance programs to meet the complex needs of oil and gas businesses and contractors. The agency will continue to service clients from its Texas and Oklahoma-based office locations.

Alera Group, Sheridan Insurance Group Alera Group, a national insurance and wealth services firm, acquired Austin, Texas-based Sheridan Insurance Group, a team of experienced professional liability specialists helping meet the insurance and risk management needs of the healthcare community.

The Sheridan Insurance Group exclusively serves the healthcare industry and focuses on professional liability insurance. Their core expertise is focused on serving the needs of individual physicians and surgeons, physician groups, locum tenens organizations, staffing companies, clinics, surgery centers, hospitals, and IPA’s (independent practice associations).

The Sheridan Insurance Group team will continue serving clients in their existing roles. The terms of the transaction were not announced.

Risk Placement Services, RHP General Agency

Arthur J. Gallagher & Co. subsidiary Risk Placement Services Inc. acquired Houston, Texas-based RHP General Agency Inc.

Patriot Growth Insurance Services, Sherrill & Co.

Patriot Growth Insurance Services, a broker and insurance services firm with offices in Pennsylvania and Florida, acquired Savannah, Georgia-based Sherrill & Co. to its constellation.

Sherrill offers P/C insurance and life and health insurance services. It was founded in 1988 by Jack Sherrill; his children, Jackson Sherrill and Margaret Hughes, joined him in the 1990s.

Patriot, founded in 2019, partners with employee benefits and property/casualty agencies across the United States. Patriot is backed by GI Partners and Summit Partners.

Hylant, Aegis Insurance Services

Privately held insurance brokerage, Hylant, acquired Aegis Insurance Services Inc. of Alpharetta, Georgia, a broker and agency specializing in the moving and storage industry.

Aegis, headed by CEO Barbara Stevens, will continue to operate under the Aegis name, but employees and leadership will be part of the Hylant team.

Aegis was founded in 1990 by moving and storage company owners.

ECM Solutions, IMA Financial Group

Charlotte, North Carolina-based ECM Solutions has agreed to merge with IMA Financial Group, an integrated financial services company.

ECM, which has 80 associates and offices in Charlotte and in Greenville, South Carolina, will operate as an IMA company.

IMA specializes in risk management, insurance, wholesale brokerage and wealth management.

Brown & Brown, Brownlee Agency

Brown & Brown has acquired Georgiabased Brownlee Agency. Terms of the deal were not disclosed.

Founded in 1974 and headquartered in Tifton, Georgia, Brownlee offers P/C insurance across the state but specializes in business and agriculture industry coverages.

The agency will operate within Brown & Brown’s retail segment, managed by Tim Soriano.

Publicly traded Brown & Brown is an insurance brokerage with 500 locations around the globe.

Confie, Estrella Insurance

Confie has acquired Miami-based Estrella Insurance, a firm that has 190 offices in multiple states.

Estrella, a P/C insurance franchisor, will now be part of Confie’s Freeway Insurance brand.

Estrella has locations in Florida, California, Arizona and Texas, and the acquisition greatly expands Freeway’s presence in Florida.

Confie, headquartered in California, has more than 750 retail locations in 23 states.

Oakbridge Insurance Agency, Swoope Insurance

Atlanta-based Oakbridge Insurance Agency, which has continued to expand through the partnership model with smaller agencies around the South, announced it has added new agencies and offices in Mississippi.

The expansion into the state includes Swoope Insurance, in Columbus, along with two agent offices in Starkville and Amory: Jack Campbell and William Hilbun, formerly with GCM Insurance.

Campbell began his career in the

insurance industry in 1987 and specializes in personal and commercial products and group health.

Hilbun, who started selling insurance in 2005, specializes in construction and habitational risk insurance.

Swoope Insurance was founded in 1926 and is owned by Mark Hardy.

West

ALKEME, Infinity Insurance Group

ALKEME acquired the Infinity Insurance Group in Idaho.

Infinity Insurance is an insurance agency with offices in Post Falls. Infinity Insurance broke away from its parent company in 2010 and has focused on providing auto, home, health, life and commercial insurance through their network of carriers.

ALKEME is based in Ladera Ranch, California and is backed by GCP Capital Partners.

People

National

Specialty insurance provider CFC appointed Michael Phillips as Cyber Practice leader. He is based in New York.

In this newly created role based out of New York, Phillips will drive CFC’s cyber underwriting strategy and broker development in the U.S. with a specific focus of CFC’s admitted cyber product.

Phillips joins CFC with nearly a decade’s experience as a senior leader in the specialty insurance market, most recently as chief claims officer at Resilience. Prior to that he was head of cyber, media and technology claims at Allianz Global and tech counsel at Beazley.

Phillips was a litigator in commercial private practice for eight years and has been a frequent writer on law and technology, published in The New Yorker, Buzzfeed and Bloomberg. He also serves as co-chair of the Ransomware Task Force.

DUAL North America Inc., a subsidiary of Howden Group, appointed three industry veterans to leadership and key underwriting roles through promotion and new hires.

Jim Jinhong was promoted to head of Capacity and Product Development, D.J. Postles joined as executive vice president of Underwriting for DUAL’s NationsBuilders Insurance Services Inc. (NBIS), and John Kopach joined as executive vice president of Excess Liability.

Jinhong previously served as executive vice president of Underwriting & Business Development at NBIS, a member of the DUAL North America Inc. group of companies, where he drove program diversification through organic growth over the past 20 years.

As EVP of Underwriting, Postles will lead the underwriting team at NBIS. He has 22 years of underwriting and leadership experience, with carriers in the North American insurance marketplace.

Kopach will work directly with Mike Towell, president of Excess Liability, to help drive the expansion of DUAL’s excess

liability product in the East and Southeast. He joins the team with more than 20 years of experience, most recently serving as the senior vice president of Excess Casualty, Southeast Region for AXA XL.

John Coletti, a cyber insurance veteran who was formerly the head of cyber reinsurance at Swiss Re, has been hired by Coalition as head of cyber underwriting.

At Swiss Re, Coletti was the head of global cyber, responsible for the global reinsurance cyber business, including portfolio ownership, global underwriting activities, and cyber product development. Before Swiss Re, Coletti was chief underwriting officer at AXA XL.

Coalition’s North America risk engineering team and the cyber product will report to Coletti.

AXIS Capital Holdings Limited announced the following appointments within its specialty insurance business: Mark Gregory as head of global markets and Michael J. McKenna as head of North America.

The newly created leadership positions will report directly to Vince Tizzio, president and CEO of AXIS.

As head of global markets, Gregory — who previously served as CEO, International division — will oversee underwriting and business growth strategies for the company’s international retail business lines (EMEA/APAC/LatAm), as well as its global practices including cyber and A&H insurance.

McKenna will have oversight of underwriting and business growth strategies for the company’s North America wholesale and retail businesses. Global distribution (insurance) and digital will also report to him.

Prior to joining AXIS, McKenna held CUO roles with Falvey Insurance Group, The Hartford (Global Specialty Division), and Navigators (U.S. Insurance Segment), and served as SVP of the specialty reinsurance division at Aon Benfield.

East Distinguished Programs appointed Kurt Meister as chief sales officer.

Meister takes on the position with 35 years of experience in the insurance industry.

He joined Distinguished in 2006 as senior vice president of sales and distribution. Before joining Distinguished, Meister held executive positions at National Specialty Underwriters and Aon Affinity Insurance Programs.

Distinguished Programs is headquartered in New York, New York.

Midwest Powers Insurance & Risk Management promoted Drew Jaboor to IT associate.

Jaboor will assist with onboarding new employees, perform ongoing system training for all employees, and maintain the organization’s technology systems.

Jaboor previously worked at Powers’ IT help desk, where he resolved networking issues for company employees. Before joining Powers, he was IT and sales manager at West County Cycles.

Powers is headquartered in St. Louis, Missouri.

South Central

McGriff added three new members to its growing Houston, Texas-based marine and energy practice.

Joe Etzler joins McGriff as managing director with 17 years of experience in the marine and energy industry. He previously worked as managing director/resident sales director for Aon.

New Senior Vice President Bill Robinson brings 18 years of experience working in insurance and banking with energy companies to his new role. He previously served as vice president sales, business development at Aon and senior vice president at Comerica Bank.

Jeffrey Paine joins McGriff as a Marine and Energy producer. Before joining McGriff, Paine

Michael Phillips

Drew Jaboor

Joe Etzler

Bill Robinson

worked for three years at Howden Broking in London, England.

McGriff is headquartered in Raliegh, North Carolina.

IMA Financial Group added Jay Chappell as its new Central Region Sales leader.

Based in Dallas, Chappell will assume responsibility for new business, producer hiring strategy and producer development for IMA's Carolinas; Dallas and Houston; Pittsburgh, Pennsylvania; and Kansas City and Wichita, Kansas, offices.

Chappell joins IMA from Willis Towers Watson, where he led Corporate Risk and Broking for the Texas region. Prior to Willis Towers Watson, Chappell held various roles at Lockton.

BevCap Management LLC named Ben Raun to its team as director of client consulting.

Raun has 15 years of experience in property and casualty claims, risk management consulting and customer stewardship roles. He previously worked as an account executive at HNI Risk Services, client advisor at Marsh & McLennan Agency and account executive and service team lead at Martin (Ahmann Martin).

BevCap is headquartered in Mckinney, Texas.

Spot Insurance named Maria Goy as CEO. Goy, co-founder and former COO was appointed by Spot’s board of directors and current CEO and Co-Founder Matt Randall.

Before joining Spot in 2017, Goy served as vice president, IT business operations, technology strategic partnership office at New York Life Insurance Co.

Spot is headquartered in Austin, Texas.

Actuarial Risk Management Ltd., based in Austin, Texas, named Dave Bulin head of investment consulting.

Before joining ARM, Bulin was the head of risk platform and reporting at The Hartford, overseeing the enterprise-level risk reporting across all exposures.

Southeast California-based Alliant Insurance Services named Gerry Armbruster vice president of its employee benefits group.

Armbruster, based in Nashville, was previously an assistant vice president at a health care organization.

Alliant has offices across the country, including four in Tennessee.

West

Next Insurance, headquartered in Palo Alto, California, hired Jack Ramsey to lead the company’s agent channel.

Ramsey has more than three decades of experience in the insurance industry, focusing on helping agents who serve the small business community.

Crest Insurance Group added Jason Weaver as an employee benefits consultant.

He is based in Crest’s Fort Collins, Colorado, office.

Weaver previously worked as a benefits specialist at Pinnacle Financial Services, and founded and operated Mountain Plains Benefits. He also previously worked at Colorado Insurance Store.

Crest Insurance Group also named Steve Cannatella as a vice president of employee benefits.

Cannatella spent the last 10 years at Paychex Insurance Agency as a large group health and benefits sales representative for medium and large-size businesses.

He previously worked as a property, casualty and life sales agent at both MetLife and Liberty Mutual Insurance.

Crest Insurance Group is headquartered in Arizona.

Jay Chappell

Jason Weaver

Steve Cannatella

Karen Clark Report Shows Just What Failed in Ian, Making it Florida’s Costliest Storm

By William Rabb

Agranular look at the most expensive hurricane in Florida’s history, written by the catastrophe modeling firm Karen Clark & Co., highlights building practices that had a major impact on the scale of insured losses.

Contrary to what may seem like common sense, low-sloped and flat roofs fared much worse than more steeply pitched roofs. With low roofs, the air pressure above decreases compared to the pressure below, creating suction that ripped a number of roofs completely off of buildings when Hurricane Ian hit southwest Florida in September 2022, the report found.

But even flat and low roofs that were made of metal, reinforced concrete or built-up wood-deck systems sustained

less damage than other types of roofs. “These built-up roof systems perform better because the multiple layers add redundancy,” KCC’s engineers and data analysts found.

Exterior insulation finishing systems, a popular siding material for commercial buildings and multifamily residential structures, proved to be especially vulnerable even in lower-than-peak winds during Ian. The sheets of insulation boards are lightweight and can detach easily. “Wind can exploit small cracks and cause significant siding damage, which can then lead to extensive interior damage due to water infiltration,” the report stated.

Soffits on site-built homes also were damaged in and

around the hard-hit Fort Myers area, but the damage is usually visible only from below and not from aerial surveys.

Soffit damage can happen when high winds pull the fascia board off the edge of the roofline and expose the soffit, the underside of the eaves or roof overhang. Soffits on corners of homes are especially vulnerable to wind that’s directed upward by exterior walls.

“Soffit damage can necessitate complete replacement of a building’s siding because wind-driven rain gets under the siding and into the walls. Rainwater can also be driven over the exterior wall into wall breaches and attic spaces. Water infiltration can then lead to significant interior damage, increasing

the ultimate loss,” the report noted.

Garage doors were a common failure point in the areas that saw only Category 3 winds during the storm. The winds can cause the doors to bulge and buckle, increasing wind pressure on the overall structure of the property and raising the chance that the roof and walls will fail.

Karen Clark, whose engineers and scientists surveyed Ian damage shortly after the storm, then again in March, found that newer homes and buildings survived Ian in much better shape than older structures, thanks to newer building codes and construction techniques, as other reports have found.

Older, low-rise structures, especially those made of wood frame or masonry, suffered severe damage, while concrete

and steel buildings saw less of an impact from wind and water.

Many elevated, older homes were not elevated enough to overcome Ian’s storm surge, which reached 12 feet at Fort Myers Beach. About 20% of the buildings on that beach were total losses and the majority of those were not elevated. Those structures that sustained severe damage or total losses saw the failure of foundation connections or the failure of the foundations themselves, the report found.

“Anchor bolts create a much stronger connection than clips or nails because anchor bolts are often cast in place and connect to a concrete surface, which creates a higher load capacity,” the analysts noted. The report included many photographs of damage, including one home that had shifted completely off its foundation, while others were wiped away altogether by the surge.

“Because coastal areas experience a combination of the highest wind speeds and storm surge inundation, it can be challenging to separate the cause of loss, but assigning the damage to the correct sub-peril is necessary to assess the insured

loss,” KCC wrote. “Wind-related damage typically initiates at the roof and progresses downward, while coastal flood damage initiates at the ground and progresses to other parts of the building.”

Overall, Hurricane Ian, with winds as high as 160 miles per hour as it made landfall, caused more than $100 billion in economic damage. One number in the report shows just how destructive Ian was in Florida: Total privately insured losses from all 2022 storm events in the U.S. are expected to be about $64 billion. Almost $63 billion of that was from Ian, and most of that was in Florida. The Florida loss estimate assumes a large number of litigated claims, typical for recent storms in Florida’s litigious atmosphere before some of the 2022 and 2023 legislative litigation reforms were enacted.

Future hurricane seasons do not look much better. A hurricane needs three main ingredients to rapidly intensify, as Ian did twice as it churned across the Caribbean and the Gulf of Mexico: low vertical wind shear; high ocean heat content; and high sea surface temperatures.

Climate change is driving an increase in

surface temperatures and rapid intensification of storms is likely to become even more frequent, the report predicted.

U.S. meteorologists have reported that the weather phenomenon known as “El Nino” will likely form this year off the west coast of South America. Historically, El Nino patterns have been linked to a lower-than-average number of hurricanes in the Atlantic basin.

The U.S. National Oceanic and Atmospheric Administration was set to post its outlook for the 2023 Atlantic hurricane season in late May. But researchers at two universities have predicted six to eight hurricanes for the season, which begins June 1. That’s slightly fewer than what last year saw.

But as Karen Clark & Co. and other reports have noted, it takes just one rapidly-intensifying storm to produce record losses.

Karen Clark & Co. was founded in 1987 by Karen Clark and Vivek Basrur. Clark was awarded the Nobel Prize in 2007 for her contributions to the work of the Intergovernmental Panel on Climate Change.

Florida Courts Flooded with Claims Suits Ahead of Tort Reform Law

Just as the plaintiffs’ law firm of Morgan & Morgan warned, the number of Florida lawsuits filed across the state has shattered previous records, topping 280,122 in April, the Florida Bar reported.

That’s more than double the previous record set in May 2021 and is largely due to anticipation of the Legislature’s passage of a far-reaching tort reform bill that Gov. Ron DeSantis signed into law March 24, the Bar noted.

As it became clear that House Bill 837 was about to pass in March, limiting one-way attorney fees and multipliers in almost all insurance and injury litigation, and slashing damages if the plaintiff is found to be 50% at fault, Morgan & Morgan and other claimants’ firms told insurance defense attorneys that they

were getting ready to file tens of thousands of lawsuits in the days before the law took effect upon the governor’s signature.

The firms were not exaggerating. And insurers and county clerks of court are now dealing with the impact. “Our primary concern is having adequate resources to process the high volume of cases and appropriately serve all parties and the judiciary,” Martin County Clerk of Courts Carolyn Timman told the Bar.

Sarasota County Clerk Karen Rushing said the flood of new cases began around March 17. Some clerks have said they already were facing budget shortfalls, spiraling costs and understaffed offices — even before the tort wave hit, the Bar noted.

The Florida Department of Financial Services, which must be included on

notices of intent to litigate against insurers, also reported a spike in planned litigation. The agency in March recorded 8,637 notices of intent to initiate litigation, up from 7,634 in February. That’s double the number of notices filed in March 2022, the DFS web page shows.

“At this moment we are doing what all lawyers should be doing — protecting the interests of our clients,” John Morgan, head of the Orlando-based plaintiffs firm, said in a statement in March.

The tort-reform law clamped the attorney fee and other restrictions on suits filed after March 24. It does not apply retroactively in most cases, although some insurer lawyers have indicated they may challenge that in some circumstances.

Special Report: Public Entities & Schools

Why Schools Must Reset and Reboot When it Comes to Insurance

By Andrea Wells

Public entities have unique challenges when it comes to mitigating risks and insuring exposures. They serve their communities through education, public utilities and first responder services, and must do so often with limited resources. Today that effort is even more challenging, insurance experts say.

It’s normal for public entities like schools and other government organizations to be asked to do more with less, says Greg McKenna, National Practice leader, Public Sector, at Gallagher Bassett based in Illinois.

“That’s a normal type of arrangement,” he said. But those entities, especially in the educational world, are seeing added pressure thanks to tough economic conditions, workforce challenges and growing concerns over safety. Now, their “ordinary” challenges are compounding with not so ordinary ones, he added.

As a result, public entities are having

to rethink their approach to insurance, says Daniel Howell, managing director, public entity, Alliant, based in Seattle. From property to cyber to liability — public entities and schools continue to see a rising cost to insuring their risks.

The property market is likely the toughest risk for schools right now, experts say. “We had $100,000 deductibles for two decades … that might have seemed like a lot in the year 2000 but $100,000 just isn’t what it used to be, especially when it comes to property,” Howell said.

“This is definitely the hardest market I’ve ever seen as far as property insurance,” said Rep Plasencia, area executive vice president at Risk Placement Services, based in Florida. And while the property insurance challenge is not limited to public entities, there are some factors unique to schools that make property in some regions more challenging, he added.

School districts are unique because they involve tight concentrations of property located in one geographic area, he said.

That means there is a large concentration of property risk for some school districts, worth billions of dollars, in one geographic region and in one county. When that county is located off the southern Florida coast, as an example, that makes things even more difficult, he said.

The cost to insure school districts in catastrophe-prone regions has pushed some districts to cut limits and self-insure some portions of their portfolio, Plasencia added. “We’ve seen a number of our municipalities have to cut limits off the top of their program,” he said. “We’ve also seen some municipalities take quarter-share participations through their programs. Some have had to take higher deductibles, and some have done a combination of all of the above,” he said.

The cost to insure has taken many municipalities off-guard, he added. “I would say not one of our insureds in the book had properly budgeted for what their insurance renewal was going to look like — nobody could have planned for it.”

It’s not only general market pressure from catastrophe losses, Plasencia added. “There has been this intense pressure on (property) valuations as well — ITV, or insurance to value,” he said. Higher property rates and added pressure on valuation have forced significant coverage changes. “I had one insured that totally dropped their named wind and flood coverage because they couldn’t afford it.”

Workforce Challenges

Another critical issue adding to budget shortfalls in many school districts is labor shortages. While labor shortages have been a concern in other industries, public entities and public education face additional headwinds when trying to recruit and retain employees, as they must compete against wages/ salaries offered in private sector industries.

In the fourth quarter of 2021,

for example, private-sector wage growth was 5%, nearly double the pace of government wages. The good news is that U.S. local-government education payrolls moved closer to their pre-pandemic peak in March 2023, according to Bureau of Labor Statistics data. However, total employment continues to remain 1.6% below those reported in February 2020. Meanwhile, private-sector payrolls have surpassed their pre-pandemic mark by 2.7%.

So, while the educational sector is seeing some of those lost jobs return, they are not seeing the comeback of the broader private market. “I think you could begin to extrapolate some of those talent issues with overall risk management concerns,” noted McKenna. One concern is safety, he said.

Overall, throughout the last decade, several crime and safety issues have become less prevalent at elementary and secondary schools, according to a report by the Institute of Education Sciences released in 2022. Regarding safety issues on campuses of postsecondary institutions, between 2009 and 2019, the rate of crime decreased from 23.0 to 18.7 incidents per 10,000 full-time equivalent students, the report said.

Despite the general downward trend over this period, however, the rate of reported forcible sex offenses on campus increased from 1.7 incidents per 10,000 students in 2009 to 8.0 incidents per 10,000 students in 2019. Another exception is mass shootings. The report showed there were a total of 93 school shootings with casualties — the highest number since 2000–01.

Schools are under pressure to develop response plans and “de-escalation” training whether for staff or teachers handing difficult situations, Howell said.

“What the underwriters are looking for is that the schools, colleges and universities have a process and a plan to respond when there are signs of mental health, whether it’s with a student or a coworker because ignoring the problem isn’t going to work,” Howell said.

He noted seeing more and more questions from underwriters on how the entity

responds to safety issues on campus.

School Pooling

One approach to today’s difficult market for schools is pooling, Howell said.

in especially meaningful ways with their membership and to show their value,” he said.

First formed in 2020, SPA helps to provide cost-effective programs and services to manage property, liability, and workers’ compensation for its six K-12 school district members in California.

“It’s a moment for school pooling, they have become more relevant than they have been probably since the mid-1980s,” he said. “I think that the current market, whether you call it a crisis or not, or just a very firm to hard market for schools, would be absolutely much worse if the pooling organizations didn’t exist to help,” he said. Without the existence of pools such as the School Program Alliance (SPA), Howell said the market would have already seen a lot more disruption. “So it’s a real opportunity for these pools to reengage

Howell said some pools are taking a look at developing captives, or if they already have a captive, they might have been using it for something else and are broadening that use to different activities.

“They may be retaining a quota share in layers they never would’ve thought to retain in years past because the cost of coverage has gone up so much,” he said. “It’s an opportunity for risk managers and, and the current generation of risk management professionals to think creatively and use these vehicles that they may have already had but rethink how they’re using them and adapt to the current environment and current realities.”

‘This is definitely the hardest market I’ve ever seen as far as property insurance.’

On Point: bolt CEO Dwane on How Democratizing Distribution Benefits Insureds and Agents

By Jahna Jacobson

Technology has made it easier for consumers to explore and purchase insurance on their own.

While some fear this ease of access could put agents out of work, Jim Dwane, CEO of insurtech bolt, a property/ casualty insurance exchange, said putting the basics in the hands of insureds will make agents’ expertise more valuable and the process of selling more efficient.

On Point podcast host Peter van Aartrijk spoke with Dwane to learn more about the role insurtechs will play going forward.

While insurance has a reputation for being slow to embrace innovation and technology, Dwane said adaptation has accelerated that in recent years. His company, bolt (which stands for Business

Owners Liability Team), matches insurance buyers and sellers.

“If you can get the consumer — be it a small business or a person — if you can get them to do 50 to 75% of the upfront work digitally, that reduces their cost basis,” Dwane said.

When insureds feel comfortable doing more of the initial legwork, it brings higher margins on that business, he said. This enables agents to focus more on the consultative selling process and less on that operational, administrative work.

“It’s really happening in a lot of different areas — claims, analytics, document management. But really where we focus, where bolt’s kind of space in the world is, is in distribution,” he said. “And the reality of it is, insurance distribution is democratizing.”

As technology democratizes

distribution, agents will move beyond the role of administrators and more heavily into the position of risk advisors, he said. “So, I think it’s a win for the digitization, is a win for the consumer, but it’s also a significant win for the agent and broker, you know, whether that be an independent agent, a captive agent, or an agent in a contact center for a large carrier like a Progressive or a Farmer’s.”

Dwane said people want someone to talk to and counsel with to answer their questions. The carriers and distributors that will be most successful in optimizing technology in sales are those who take the opportunity to pull customers out of the digital journey when they need more guidance.

“The more complex the product becomes, the more important choice becomes, and the more important that human intervention becomes,” he said. “You really have to identify the right time and the right place to make that insurance offer so that you can optimize conversion.”

“Some people are comfortable going deep into the journey and only need help at the very end. Other people need help in the earlier part of it because they’re less comfortable or more risk averse,” he said.

Jim Dwane

“So, the companies who figure out where to insert themselves and support the customer kind of to cross the finish line in the buying experience, I think, are the ones that are going to be successful in the next five to 10 years.”

Technology is also making it easier to embed insurance into other transactions, simplifying the process for people who may not have had access before.

“You can now buy your car insurance when you purchase a car, and in some cases, you can do it completely digitally at that moment,” Dwane said. “The same can apply with homeowner’s insurance when you’re refinancing or financing or purchasing a house. The same thing can be

said for commercial.”

Now, “not only are we looking to enable embedded insurance, enable digitization, we’re also looking to expand the pool of people who are given the opportunity to purchase financial protection products,” Dwane said. “So, it’s democratizing away from the traditional channels, and it’s moving more toward point-of-sale oriented.”

maximum traffic and optimize conversion.

place to be in the industry.”

While technology such as artificial intelligence markup language is going to play a growing role in sales, it will eventually come back to having a human understanding, he said.

Overall, he said that technology offers the industry an opportunity to hyper-focus on the top of the funnel to drive

“There’s a lot of technology companies out there that kind of pound their chests and say, we’re disrupting, we’re disrupting. The way we like to characterize it is we are enablers,” Dwane said. “We enable others to disrupt. Right? And we think that’s a really sober, clear-headed, interesting

“You’ve got to have that insurance DNA somewhere incorporated into the fabric of the organization,” Dwane said. “Because, again, at the end of the day, that’s the people you’re talking to — to help solve their problems.”

To listen to the whole conversation on embedded insurance with Jim Dwane, titled "Insurtech Bolt Leans In on Embedded Coverage," visit Insurance Journal TV. (https://www.insurancejournal.tv/videos/21193/)

‘[T]he reality of it is, insurance distribution is democratizing.’

My New Markets

Repossession Insurance Program

Market Detail: TUMI, part of the Amwins Underwriting division, offers its Professional Repossession Contractors Program, a specialized insurance program designed for professional repossession contractors who work with banks, credit unions and other reputable lending institutions. The program partners with an “A” rated non-admitted carrier and is available in most states. Target accounts: professional repossession contractors that work closely with banks, credit-unions and other reputable lenders. Accounts outside the scope of the program: new ventures, pawn shops. Available coverage and policy limits: auto liability - $1 million; general liability - $1 million; physical damage - $500,000; on-hook/cargo - $500,000; garage keepers - legal liability or direct primary; wrongful repo and drive away coverage available; excess limits available. No monoline GL.

Available Limits: Auto liability - $1 million; general liability - $1 million; physical damage - $500,000; on-hook/cargo - $500,000.

Carrier: Non-admitted; rated A by AM Best States: Available in Alaska, Connecticut, District of Columbia, Florida, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Massachusetts, Michigan, Minnesota, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Mexico, New York, North Carolina, North Dakota, Oklahoma, Rhode Island, South Carolina, South Dakota, Tennessee, Utah, Vermont, West Virginia, Wisconsin, Wyoming. Contact: Rob Mills; rob.mills@amwins. com; 912-450-7500.

Cyber Insurance (Crypto Included)

Market Detail: International Underwriting Agency (IUA) has markets that will offer full insurance solutions for cyber insurance and insights to protecting small to large businesses for day to day technological cyberattacks. Cyber coverage for all risk types: network and information security liability; regulatory defense and penalties; multimedia content liability; PCI fines and assessments; bodily injury and property damage; technology errors and omissions; pollution; computer

replacement; fund transfer fraud; service fraud; digital asset restoration; business interruption and extra expenses; cyber extortion; breach response; crisis management and public relations. Coverages: Up to $5 billion revenue companies entertained; up to $5 million in limits. Submission requirements: completed and signed applications (non HIIG apps accepted); Acord applications (property, GL, automobile); 5-year currently valued, carrier loss runs; current state inspection (if applicable); current license (if applicable); resume of the owner and/or operator (if in business less than three years); brochure or website (if available). BOP, CPP, GL, Property, Liquor Liability, EPLI, D&O, Auto and Umbrella. Appointment required.

Available Limits: Up to $5 million. Carrier: Admitted; non-admitted; rated A- or higher by AM Best. States: Available in Alabama, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Illinois, Indiana, Louisiana, Maryland, Massachusetts, Michigan, New Jersey, New York, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, West Virginia.

Contact: Edward Ha; eha@iua.bz; 718-4618088.

Garage Keepers for the Automotive Aftermarket

Market Detail: Alliant Insurance Services LLC offers its Installers Edge, a proprietary insurance program that offers garage keepers insurance, garage liability coverages and more to limit exposures for shop owners. From installing specialty

automotive parts to restoring automobiles, Alliant has the coverage crafted especially for your unique needs. Installers of aftermarket parts, dealer jobbers, truck centers, vehicle conversion, and custom car builders face many of the same issues revolving around garage operations, risk management and insurance. Whether it is the exposure to a customer’s car in their care, custody and control, or the test drive, exposure for liability actions in the event of an accident can put a company at risk. Has pen; appointment required.

Available Limits: Not disclosed.

Carrier: Not disclosed.

States: Available in most states plus District of Columbia; not available in Hawaii.

Contact: Franco Ganino; insurancequote@ alliant.com; 800-390-9099.

MLI+WHIP and EPL+WHIP

Market Detail: ExecutivePerils offers EPL and/or D&O with up to $1 million wage and hour (defense and indemnity). Robust EPL with joint employer, sub limits reinstatements, claims continuity, reserve limit. Available in 50 states, broad industry appetite. Has pen.

Available Limits: Up to $1 million wage and hour (defense and indemnity).

Carrier: Non-admitted; rated A XV by A.M Best.

States: Available in all states plus District of Columbia.

Contact: Peter Taffae; WHIP@eperils.com; 310-444-9333 x100.

Washington Commissioner Fines Airbnb for Acting as Unauthorized Insurer

Washington Insurance Commissioner Mike Kreidler fined Airbnb $20,000 for acting as an unauthorized insurer in the state.

Kreidler also ordered the vacation rental company to obtain a surplus lines insurance policy to continue offering its Host Damage Protection program in Washington.

The order requires Airbnb to pay the fine by June 5, and it must secure a surplus lines policy through a broker licensed

in Washington by Aug. 5.

Kreidler’s office opened its investigation based on the HDP program, which advertised $1 million in coverage for damages caused by a guest. It was included with bookings as part of the company’s AirCover program, provided under a general liability policy with hosts covered as insureds.

As part of the order, Airbnb must review all previously denied HDP claims filed by hosts with properties in Washington

California Workers’ Comp Written Premium was 14% Above 2021

The Workers’ Compensation Insurance Rating Bureau of California issued its Quarterly Experience Report, an update on California statewide insurer experience valued as of Dec. 31, 2022.

Highlights of the report include:

• California written premium in 2022 was 14% above that for 2021, driven by higher employee wage levels and the

economic recovery.

• The average charged rate for 2022 was 7% below that for 2021 and the lowest in decades.

since Jan. 1, 2021, and it must pay out any covered costs that were deemed to be improperly denied. All claim coverage and amounts paid out to Airbnb hosts will be determined by an insurance adjuster licensed in Washington state going forward, according to the order.

Between Jan. 1, 2019 and March 23, 2022, hosts in Washington submitted nearly 13,000 reimbursement requests, with 5,525 of those made directly to Airbnb. The company paid 3,565 of those claims for a total of just over $2.3 million, according to Kreidler’s office.

As of January 25, 2022, Airbnb had 15,160 hosts listed in Washington, the office reported.

Airbnb issued a statement saying Airbnb’s HDP program is a guarantee of a guest’s obligation to pay for damages to a host’s listing and “not an insurance policy.”

“That said, we have reached agreement with Commissioner Kreidler’s office to ensure that Airbnb can continue to maintain protection from the rare instances of guest-caused property damage for Hosts of our Washington State listings for free on every reservation,” the statement continues. “We will soon convert our host damage protection program to be underwritten by a licensed insurer, which will take effect for any new bookings in Washington State. We anticipate this will have no impact on the Hosts of our Washington State listings — they will receive the same protection as they did previously.”

Since 2001, Kreidler has assessed more than $38 million in fines, which are directed to the state’s general fund to pay for state services.

• The projected loss ratio, including the cost of COVID-19 claims, dropped 4 points in accident year 2022.

• The projected combined ratio for 2022, including COVID-19 claims, is 5 points lower than in 2021. The full report is on the WCIRB website (www.wcirb.com).

Former California Agent Sentenced for Stealing $220K from Clients Including

Late Art Dealer

John Philip Ryan, 64, of Yucca Valley, California, was sentenced and ordered to pay more than $220,000 in restitution to victims after pleading guilty to two felony counts of financial elder abuse and grand theft of insurance premiums.

An investigation by the California Department of Insurance found Ryan stole money from his clients, some of which was intended to pay insurance premiums. The CDI revoked Ryan’s insurance licenses and licensing rights and banned him from participating in the business of insurance.

The CDI opened an investigation in 2017 after a complaint from Ryan’s former employee that Ryan retained premiums instead of remitting them to insurers.

One of the victims, Gregg Juarez, was a former art dealer and philanthropist who

died in May at age of 94. Ryan reportedly used his position as Juarez’s insurance agent to gain trust and access financial documents and information to commit the crimes. Search warrants executed on Ryan’s bank accounts revealed that Ryan misappropriated $87,000 over at least two years from Juarez.

During the investigation the CDI found Ryan transacted insurance under the names of “Calinsured,” “Greater Palm Springs Insurance” and “PS Independent Insurance”. The investigation revealed 11 more victims, including another client in his 80s. The combined total stolen by Ryan

from all his victims was over $220,000.

The CDI is asking any of Ryan’s current and former clients to review their policies and contact the listed insurer to verify its validity and confirm receipt of any funds they may have given to Ryan.

Idea Exchange: Minding Your Business

Dressing Up the Agency for the Wedding Part 2 – Book of Business

By Catherine Oak

You can’t take it with you. Every business owner will eventually sell his or her business. It can either be on terms the owner defines, or it can be based on whatever happens at the end. So, if an owner desires to have an orderly sale at a fair price (and that can include options like gifting it to the next generation), then some preparation work needs to be done before the big event.

Last month we introduced the concept of “running your business like you are ready to sell your business.” That column covered tips on optimizing the agency’s operations for the eventual sale of the business in order to attract qualified buyers and a high value. This month’s column will focus on the agency’s book of business and related topics.

Focus on Two Things

The two things most buyers focus on are the agency profits and the book of business. Typically, the latter drives the former. A bunch of small accounts, or labor-intensive large accounts usually does not help make the firm profitable. That is why it makes sense to deliberately choose the types of accounts that the agency will focus on for new growth, that are also profitable.

When deciding which direction to grow the business, one approach is to model the business after future potential buyers. Typically, those buyers have a successful business model, so that alone is a good reason to mimic their approach. Another reason to model after potential buyers is that it will make the business more valuable, since the buyer will have an easier transition due to the similarity.

that generate profits in the most efficient manner. Each buyer will have their own unique approach, however, there are only a few main components of the book of business on which they focus. Here are five of the most common.

A ‘Good’ Book of Business

There are no absolutes on how to define a “good” book of business. It is a relative term depending on the buyer. Some buyers focus on profitability, some focus on the composition and some, maybe something else entirely.

Generally, larger commercial accounts tend to be more profitable, especially when they are rounded out with multiple polices and lines of business. These types of accounts also attract the large, well-funded buyers. But, they are hard to obtain and maintain for smaller agencies. They are also mostly tied to the key

In general, buyers are looking for products, services, processes and people continued on page 28

Idea Exchange: Minding Your Business

continued from page 27

owner or owners.

Middle market size accounts may be safer and are often desired by many buyers today both large and small.

An efficiently run personal lines book or small commercial accounts can be very profitable and easier to write for smaller agencies. Buyers for these types of agencies tend to be local peers, or at most, regional agencies. The downside is that they usually cannot pay top dollar and have less favorable terms, compared to large regional or national brokers.

A Strong Platform for Growth

One of the most important attributes of a good agency is a stable of properly managed non-owner producers. This is an indication of a sales-oriented business.

Also, if the owners are retiring, then it is important that there are producers in place to perpetuate the owners’ accounts. If not, then producers of the buyer need to be able to handle them. Buyers want to make sure that the owners’ and producers’ books are retained. The more producers, the better the chances of this occurring.

Keep in mind that often an earn-out is put in place anyway, especially if the buyer is worried that the accounts have not been properly transitioned.

Sales Management in Place

Many agencies have some problems with sales management. The agency owners are usually the drivers for new sales and the other producers are not properly managed. These firms are not sales organizations and must tout themselves as good retainers of business and service oriented. They should also get rid of poor-performing producers and not make this the buyer’s problem.

If there are even some basic sales management tools in place, that will set the firm apart from those that don’t have any at all. As a minimum, biweekly or monthly sales meetings should be established. Goals should be set annually and monitored with individual sales coaching.

Buyers look for firms with a good sales culture in place. It is also important for account managers to participate in sales

and be rewarded for account rounding in all departments and across departments.

Pay Only Those Who Are Doing the Work

The largest expense category for agencies is compensation. So, the key to increasing profits is to pay people for the work they do. This philosophy comes into play with personal lines and small commercial accounts especially. The agency will often not make any money on these accounts if they are paying both a producer and CSR. Often, on the personal lines and smaller commercial accounts, the CSR is doing all the work, so the producer is getting paid for doing nothing. Resentment often occurs.

It is okay to have small accounts, however, they should be handled much differently than the medium to large accounts. A producer can generate the business, but the service staff should handle all the work from there on. This means producers can get paid commission on the new accounts, but they should not get renewal commissions on these small commercial lines accounts. This approach also applies to personal lines accounts.

How is a “small account” defined? It usually depends on where the agency is located. In a rural area, a small account might be anything under $250 to $500 in commission. For a medium size agency in an urban area that limit might be $2,500 in commission or more.

Some producers will be upset if they are told they will lose the commissions on these accounts. It is best for management have a report done by the producer based on size of account, so they can see at varying levels the amount of commission they might lose if changes are made, and if it really is significant or not. If significant, management can also wean producers off these commissions, over a two-year period, say, with the new plan applying to only new accounts until then. This gives producers time to grow their book.

If the producer is upset and can’t get over the changes made, that is a clear indication they are not sales oriented and might not be a good fit for the future direction of the agency. Producers need to focus on new sales and maintaining

medium to large accounts. The agency cannot pay a producer and a CSR to handle a commercial account that brings in only $500 or less in commission!

Book of Biz with Niches or Specialties

Agencies with niches or specialties tend to be more profitable and are in a position to have faster growth. This is because program business allows the agency to be more efficient as they can often deal with only one product and one carrier. Producers and service staff get very familiar with the issues and don’t have to reinvent the wheel each time. Buyers could be attracted to either the specific type of program business the seller has or the profits they generate, or both.

Agencies often don’t realize they have specialties, so it is a good idea to generate a report of the book of business by SIC code. It is also a good idea when hiring new producers to find out what niches they may already have. Once the niches are established, the agency resources can be spent on the producers’ niches to get them leads, marketing, conventions and establishing networking groups. Producers can better succeed in agencies that provide them with these resources. Marketing assistance is also a plus for producers. It is amazing how many agencies hire and then just show new producers the desk, and they are expected to be on their own to prospect, produce and market their new accounts. Some are even expected to complete the entire ACORD forms, which is not a good idea for busy producers.

The best way to plan an exit strategy is to create an agency that others will want to buy. This means that the agency operations and book of business need to be attractive, efficient and well managed. This is not only the best way to attract buyers, but it is the best way to run the business.

Oak is the founder of the international consulting firm, Oak & Associates, based in Northern California and Bend, Oregon. The firm specializes in financial and management consulting for independent insurance agencies, including valuations, mergers, acquisitions, sales and marketing planning as well as perpetuation planning. Phone: 707-935-6565. E-mail at catoak@gmail.com.

Idea Exchange: Ask the Insurance Recruiter

Why Recruiter Retention Is a Problem for Insurance Agencies

Isee a lot of turnovers in human resource (HR) departments at insurance agencies. It seems like most internal recruiters don’t last longer than two years, and the majority leave for a job outside the insurance industry.

What pushes people in HR and talent acquisition to early resignations?

Insurance recruiters tell me they are overwhelmed and overworked. Does this happen at your company? To find out, ask yourself, in the past year or two:

• Have we had turnover in our HR/talent acquisition team?

• Did it take longer to fill jobs in 2022?

• Have we seen a decrease in application quality?

• Has HR been slow to generate offer letters, clear background checks, and complete onboarding paperwork?

If you answer “yes” to any of these, then your recruiters may feel unsupported and unrecognized. Immediate steps you can take to make positive changes for them are:

1: Ask HR Employees if They Enjoy Recruiting

Start with your HR leader and go down the ranks. I think you’ll discover that a lot of people in HR dislike recruiting. Work

productivity and success suffer when folks don’t enjoy their job. It’s incumbent upon you, as an agency executive, to evaluate and improve the recruiting environment so either HR enjoys recruiting, or you make changes to better suit everyone’s skill sets.

hiring managers have a communication plan about the hiring process from the candidate referral to interviews, offers, and onboarding.

By Mary Newgard

2: Assign a Realistic Number of

Job Requisitions

Ninety is the highest number of job requisitions I’ve heard in the past year, yet it was a Top 20 national brokerage that admitted it was ridiculous and there was nothing they could to do change it. Those hiring managers knew their jobs weren’t being worked on, and the recruiting manager confirmed recruiters resigned to join companies that capped their workload at 25 requisitions.

How many jobs should you assign to recruiters? The answer is not universal. It’s specific to your openings, hiring process, and how you define the recruiter role. When I consult with agencies, here are some of my starting points:

• I recommend organizing job openings into types and categories rather than origination date.

• You must automate, improve your workflows, and maximize technology to create capacity.

• Evaluate best practices to ensure HR and

3: Give Recruiters Support and Training

“I can’t get hiring managers to respond on referrals,” and “How can I recruit experienced insurance candidates when I know nothing about insurance?” are two very common concerns/complaints I hear. Support comes in many forms, most notably communication, training and resources.

• What insurance specific recruiting training do you provide? Recruiters succeed when they feel like experts, which is hard if your role is their first foray into insurance or you cannot train them because recruiting is your field of expertise. Where can you find insurance recruiting experts to teach, train and mentor your people?

• Can recruiters influence the hiring process or simply manage it? Challenge hiring managers and recruiters to build better relationships. The more those two parties collaborate the more each feels they can get support from one another.

• How efficient is your hiring process? You couldn’t imagine servicing clients with out a great agency management system, correct? Recruiters need access to great technology and other types of resources to maximize their potential. It might be time to evaluate the quality of your recruiting software, sourcing tools, job boards, website/careers page, etc.

Idea Exchange: Extended Reporting Provisions

Complexities That Arise with ERPs: Part 2

For specialty line insurance policies such as directors and officers liability, professional liability, cyber liability etc., claims made insurance policies are the most common type of policy issued. They are complex, and depending on the definition of claim, as well as whether or not it’s a claims made and reported form, the policies can be extremely dangerous.

By Frederick Fisher

What follows is the second installment of a three-part series on the complexities inherent in claims made policies with extended reporting provisions (ERPS). The previous article, It’s Just a Name Change and Other ‘ERPS,’ published in the May 22, 2023, edition of Insurance Journal, addressed various problems that may arise when the need for an ERP is triggered because a client decides to simply change the name of their business — or intends an organizational change to the business — and the differences between the two.

Additional and Subtle Complexities

This article takes up where the previous one left off — with a discussion of the additional and subtle complexities involved when an ERP is triggered.

Traditionally, an ERP has been triggered by either cancellation or nonrenewal, or a change in control of assets, operations, or sale of the stock of the company.

There are inherent dangers when a company is acquired, not only for the selling company but for the acquiring company, as well. It is not uncommon for the buyer to require the seller to purchase several years of ERP coverage. This is because the buyer, when either acquiring the assets or the stock transaction, wants no exposure to any known or unknown liabilities created by activities that occurred before the acquisition. The buyer will only want to be protected on a go-forward basis,

whether the acquisition is asset-based or stock-based.

There is an inherent problem with this traditional thinking, but more on that follows below.

Still, it is quite a common provision. We’ve all seen companies get acquired, with the seller invoking whatever extended reporting coverage they can acquire, sometimes at a significant price. That makes the buyer happy to know that there is security for any litigation that may take place arising out of a wrongful act that took place before the transaction. But that is not the only problem, and this is where the approach and analysis become important.

Asking the right questions is necessary to provide the appropriate financial protection to those involved, with the avoidance of any error and omission (E&O) claim that might be made against the broker, despite whether they are simply following an

“order take” standard or not.

Is Time or Cost of an ERP Important?

All too often insurance brokers are the last to know of an impending transaction. If, by some miracle, the broker is involved early on, significant coordination can take place.

One of the first things a broker should ask is what’s important to the seller — is it the length of time of the extended reporting provision, or the cost of the ERP? For instance, it may be possible to alert the existing underwriter that a transaction may take place. One might ask the underwriter that instead of the policy automatically going into ERP, which would expire at the usual anniversary date, would the underwriter allow the policy to be canceled at 11:59 PM on the day before and allow any unearned premium to be applied to the cost of the extended reporting provision with no cancellation penalty?

The ERP would equally have to be ordered to allow for the intended continuity. Thus, the cost of the ERP can be reduced. That assumes that cost is a driving factor.

If, however, the policyholder wants to maximize the amount of time of the ERP, they can allow the policy to automatically go into runoff mode until the anniversary date and then buy an ERP, at the appropriate time, whatever length of time is offered and can be afforded. Depending on when the transaction closes, of course, could add significant time to the policy in that scenario.

The Subtleties Continue

Where this can become complex is when a name change and/or operation change and/or ownership change arises with the sale of assets or stock. When dealing with claims made policies, a substantial sale of assets, or an acquisition or sale of the company stock constitutes a change in control and/or a change in operations. This immediately, by most policy conditions, automatically triggers the policy into runoff mode until the policy would normally expire but only for claims first made during the policy terms but only for wrongful acts committed before the transaction date.

The existing policies of the buyer would normally cover any wrongful acts that take place after the transaction. Sometimes, though, a new “go-forward” policy (with prior acts of inception) might be necessary. Hence, initial questions can identify the need and the appropriate solution.

One more item is generally true. It is usually not an “either/or” proposition — one may need both, an ERP and a “go-forward” policy.

‘C’ Corporation Issues

Another scenario is when there is a sale of assets or sale of stock. Here again, the need for an ERP can be triggered simply by a request for name change, when there actually is more going on. Once it is determined that it is not just a name change but a new entity, many scenarios need to be explored.

Foremost, is the corporation itself a “C” Corp. or an S-Corp.? If it’s a C corporation,

then one must determine whether only the assets are being sold or if the stock is being sold. The answer to that will significantly determine the approach to be taken, especially since the usual scenario with a C Corp. is based on avoiding double taxation. Usually, it’s a sale of assets.

Sometimes, it will be a stock sale to avoid double taxation by the buyer. If it’s a stock sale, the solution is obvious. A runoff or ERP tail must be obtained for the years that might be available, with the additional query as to whether additional years might be available at an additional premium. The buyer’s coverage(s) generally will pick up the go-forward exposure.

had not changed. Coverage would be provided for “new operations,” either due to wind-down exposures, or the company seeking new opportunities in a new business environment. Subject to the usual underwriting guidelines, the go-forward coverage would be renewable year after year.

S-Corporation Issues

If it’s an S-Corporation, a similar analysis is necessary. There, and subject to the usual tax liabilities, there is no double taxation when one sells the assets or a significant portion thereof. The same questions, however, apply.

However, the transaction will likely be an asset sale with the buyer avoiding inheriting any unknown problems or liabilities. That still triggers the runoff provision but changes the approach.

Is the selling corporation going to be immediately and simultaneously dissolved with the funds immediately distributed to stakeholders and shareholders? If not, that means a corporation will continue operating if for no other reason than to distribute the assets as a “wind-down operation.” But the corporation itself may decide it wishes to enter a new business venture, i.e., a change of operations to avoid violating any noncompete clause that probably exists in the terms of sale documents.

If so, then a go-forward policy, with prior acts coverage of inception, in addition to ERP tail, will be required. Since the operations have changed dramatically, it is doubtful that an underwriter would continue the claims made coverage as it exists. That means they would still need to buy an ERP for as many years as may be available. In addition, a go-forward policy to cover any wrongful acts committed after the transaction will be necessary.

A go-forward policy would insure the “old corporation,” as the FEIN number

A tail policy probably will be required and thus extended reporting coverage must be purchased for as many years may be available from the insurer, and as one is comfortable obtaining and paying for. Yet, again, what will happen with the funds received? Is the company going to be immediately dissolved if it’s an asset sale only and the money flows to the stakeholders and shareholders and/or creditors? If not, is the company going to continue any operations even if it’s a wind-down operation as opposed to some continuing new business? If so, then again, a similar approach needs to be taken in addition to purchasing extended reporting coverage. This would mean that a go-forward policy would still be necessary to cover any wrongful acts committed during the wind down process or if the company continues operating with the change in operations.

Non-Conforming ‘Partial’ Sale of Assets or Stock, and a Name Change or Not

There is still another scenario. That is where the S-Corp. sells substantial assets and thus could trigger the change in control provision, which would require the purchase of an extended reporting provision. However, there may be a change in operation or what was a minor part of the company now becomes the major operation of the company post sale. A name change might take place, too, yet the FEIN number would not change. It is still the same corporation but is now operating under a new name/DBA. That means it still continued on page 73

[T]he need for an ERP can be triggered simply by a request for name change, when there actually is more going on.

2023 Annual Program Directory, Volume I

Welcome to Insurance Journal’s 2023 Program Directory, Volume I. Information contained in this directory has been compiled by Insurance Journal’s staff as a resource for readers. For purposes of this directory, a program is defined as “a group of coverages designed specifically for any given risk or class of business.”

IJ’s Program Directory, as well as IJ’s E&S Directory and Workers’ Comp Directory, are also available online. Brokers and insurance companies are invited to submit and maintain up to 10 free market listings for the Program Directory. Brokers and insurers continually update market listings year-round. Insurance Journal is not responsible for inaccurate information submitted by respondents.

To list a market online free of charge, visit: www.insurancejournal.com/directories. Step-by-step instructions guide users through the listing process. To be listed in the print version of IJ’s Program Directory, please send an e-mail to: khoney@insurancejournal.com

Professional Insurance Concepts

Coverages E&O, EPLI, Professional Liab

Carrier Status Admitted States All States

Ryan Specialty National Programs

Coverages Misc Professional Liab, Professional Liab

Carrier Status Admitted States All States except VT

Target Professional Programs

Coverages E&O, Professional Liab Carrier Status Admitted States All States

The McGowan Companies

Coverages E&O, Professional Liab Carrier Status Admitted States All States

Addiction Treatment Facilities

Addiction Treatment Providers Insurance Program

Quaker Special Risk, a Jencap Company (Florida)

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

Quaker Special Risk, a Jencap Company (Mass.)

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

Quaker Special Risk, a Jencap Company (New Jersey)

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

Administrative Service Org’s

Ryan Specialty National Programs

Environmental Inc.

Coverages Environmental Liab, Pollution

Carrier Status Non-admitted States All States

New Empire Insurance Services

Coverages Environmental Liab, Pollution

Carrier Status Admitted States CA, CT, DC, DE, GA, IN, MA, MD, ME, NC, NH, NJ, NY, OH, RI, TN, VA, VT, WI, WV

PartnerOne Environmental

Coverages Environmental Liab, Pollution, Pollution Liab, Transportation Pollution Liab States All States

Target Managers Insurance Services

Coverages Auto Comm-Standard, CGL, Environmental Liab, Pollution Liab, Property, Truck Auto Liab, Workers’ Comp

Carrier Status Admitted, Non-admitted States All States

Virtue Risk Partners LLC

Coverages Environmental Liab, Pollution Liab

Carrier Status Non-admitted States All States

Accountants/CPAs

5Star Specialty Programs

Coverages Workers’ Comp, Workers’ Comp Plus (Alternative)

Carrier Status Admitted States All States

Berkley Select | a Berkley Company

Coverages E&O, EPLI, Professional Liab

Carrier Status Admitted, Non-admitted States All States

Landy Insurance Agency

Coverages BOP, Crime, Cyber Liab, D&O, EPLI, Professional Liab, Workers’ Comp Carrier Status Admitted States All States except AK, LA

Norman-Spencer International Inc.

Coverages E&O, Professional Liab Carrier Status Admitted States All States

Philadelphia Insurance Companies

Coverages BOP, E&O, Identity Theft Carrier Status Admitted States All States except LA

Coverages Abuse & Molestation, Addiction Treatment, Auto Comm-Standard, Business Income, Business Interruption, Community/Social Svcs, Cyber Liab, D&O, E&O, EPLI, GL, Hired & Non-owned Auto, Identity Theft, Liability, Medical Malpractice, Mental Health Care, Nonprofit D&O, Professional Liab, Property, Sexual Misconduct, Umbrella, Workers’ Comp Carrier Status Non-admitted States All States

AllComp Solutions

Coverages Workers’ Comp, Workers’ Comp Plus (Alternative)

Carrier Status Admitted States All States

Irwin Siegel Agency

Coverages Abuse & Molestation, Accident & Health, Addiction Treatment, Commercial Auto, Boiler & Machinery, Business Income, CGL, Community/Social Svcs, Crime, Cyber Liab, D&O, EPLI, Excess Liab, GL, Inland Marine, Managed Care, Medical & Physical Rehab, Mental Health Care, Nonprofit D&O, Professional Liab, Property, Umbrella

Carrier Status Admitted, Non-admitted States All States

Negley Associates

Coverages CGL, Professional Liab

Carrier Status Non-admitted States All States

Nonprofits Insurance Alliance

Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, Business Income, Business Interruption, CGL, Community/Social Svcs, Developmental Disabilities, EPLI, Fiduciary Liab, Fire Legal Liab, Hired & Non-owned Auto, Inland Marine, Liquor Liab, Mechanical Breakdown, Misc Professional Liab, Nonprofit D&O, Sexual Misconduct, Umbrella, Uninsured Motorists

Carrier Status Non-admitted States Most States Philadelphia Insurance Companies Coverages Abuse & Molestation, Addiction Treatment, Commercial Auto, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Participant Accident, Professional Liab, Property, Real & Business Personal Prop, Sexual Misconduct, Umbrella Carrier Status Admitted States All States except LA

Coverages Abuse & Molestation, Blanket Addt’l Insureds, Blanket Waivers, Care/Custody/Control, Crime, Employee Benefits, EPLI, Excess Liab, GL, Hired & Non-owned Auto, Professional Liab, Property, Stop-Gap, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

World Wide Specialty, a Div of Philadelphia Ins. Co's

Coverages Abusive Acts, Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, Care/Custody/Control, Crime, Cyber Liab, D&O, E&O, Employee Benefits, EPLI, Fidelity, Fidelity Bonds, GL, Hired & Non-owned Auto, Misc Professional Liab, Professional Liab, Property, Technology E&O, Umbrella, Workers’ Comp Carrier Status Admitted States All States

Adoption Agencies

Nonprofits Insurance Alliance

Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, Business Income, Business Interruption, CGL, Community/Social Svcs, Developmental Disabilities, EPLI, Fiduciary Liab, Fire Legal Liab, Hired & Non-owned Auto, Inland Marine, Liquor Liab, Mechanical Breakdown, Misc Professional Liab, Nonprofit D&O, Sexual Misconduct, Umbrella, Uninsured Motorists

Carrier Status Non-admitted States Most States

RPS Signature Programs

Coverages Abuse & Molestation, Auto Comm-Standard, CGL, Cyber Liab, Employee Benefits, EPLI, Excess Liab, Hired & Non-owned Auto, Nonprofit D&O, Professional Liab, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Adult Care Facilities

Amalgamated Insurance Underwriters

Coverages Assault & Battery, Crime, Earthquake, Equipment Breakdown, Flood, Property Carrier Status Non-admitted States All States except CO, FL, HI, LA, NY, TX CRC Insurance Services

Coverages Excess Liab, GL, Professional Liab, Property, Umbrella Carrier Status Non-admitted States All States except AR, MS, NC, OR, WA

Ryan Specialty National Programs

Coverages Auto Comm-Nonstandard, Care/Custody/ Control, Crime, E&O, Excess Liab, GL, Inland Marine, Lost Key, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Alcohol & Substance Abuse Treatment Centers

Addiction Treatment Providers Insurance Program

Coverages Abuse & Molestation, Addiction Treatment, Auto Comm-Standard, Business Income, Business Interruption, Community/Social Svcs, Cyber Liab, D&O, E&O, EPLI, GL, Hired & Non-owned Auto, Identity Theft, Liability, Medical Malpractice, Mental Health Care, Nonprofit D&O, Professional Liab, Property, Sexual Misconduct, Umbrella, Workers’ Comp Carrier Status Non-admitted States All States

Gateway Specialty Insurance

Coverages Abuse & Molestation, Crime, E&O, EPLI, GL, Nonprofit D&O, Property Carrier Status Admitted, Non-admitted States All States

Irwin Siegel Agency

Coverages Abuse & Molestation, Accident & Health, Addiction Treatment, Auto Comm-Nonstandard, Commercial Auto, Boiler & Machinery, Business Income, CGL, Community/Social Svcs, Crime, Cyber Liab, D&O, EPLI, Excess Liab, GL, Inland Marine, Managed Care, Nonprofit D&O, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States Negley Associates

Coverages CGL, Professional Liab

Carrier Status Non-admitted States All States

Nonprofits Insurance Alliance

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

Carrier Status Non-admitted States Most States

NSM Insurance Group

Coverages Abuse & Molestation, Addiction Treatment, Auto Comm-Standard, Business Income, Business Interruption, Community/Social Svcs, Cyber Liab, D&O, E&O, Earthquake, EPLI, Event Cancellation, GL, Hired & Nonowned Auto, Identity Theft, Liability, Medical Malpractice, Mental Health Care, Nonprofit D&O, Professional Liab, Property, Sexual Misconduct, Student Accident, Umbrella, Workers’ Comp Carrier Status Non-admitted States All States

RPS Healthcare

Coverages D&O, EPLI, Excess Liab, GL, Professional Liab, Property Carrier Status Admitted, Non-admitted States All States

RPS Signature Programs

Coverages Abuse & Molestation, Auto Comm-Standard, CGL, Cyber Liab, Employee Benefits, EPLI, Excess Liab, Hired & Non-owned Auto, Nonprofit D&O, Professional Liab, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Allied Healthcare Professionals

Berkley Select | a Berkley Company

Coverages E&O, Medical Malpractice, Professional Liab

Carrier Status Admitted, Non-admitted States All States

J.E. Brown & Associates

Coverages Cyber Liab, D&O, E&O, EPLI States AZ, CA, CO, NV, OR, TX, UT, WA

JM Wilson

Coverages Crime, Cyber Liab, D&O, E&O, EPLI, Foreign GL, GL, Hired & Non-owned Auto, Professional Liab, Sexual Misconduct Carrier Status Non-admitted States All States except AK, HI, NY

ProAlly

Coverages Abuse & Molestation, Medical Malpractice, Medical Professional, Professional Liab

Carrier Status Non-admitted States All States

Promont Insurance Advisors

Coverages CGL, Commercial Excess, Crime, Cyber Liab, E&O,

Shelly, Middlebrooks & O’Leary Inc.

Coverages Abuse & Molestation, Business Income, Business Interruption, CGL, Commercial Excess, Crime, D&O, E&O, EPLI, Excess Liability, Professional Liability

Carrier Status Non-admitted States FL, GA, NC, SC, TX

Amateur Sports Associations

Alive Risk

Coverages Accident & Health, Excess Liab, GL, Inland

Marine, Liquor Liab, Prize Indemnification

Carrier Status Admitted, Non-admitted States All States

K&K Insurance Group Inc.

Coverages Abuse & Molestation, CGL, Crime, Excess Liab, Inland Marine, Participant Accident, Property

Carrier Status Admitted States All States

NSM Insurance Group

Coverages Abuse & Molestation, Accident & Health, Accident & Sickness, Accidental Death, Assault & Battery, Commercial Auto, Blanket Addt’l Insureds, BOP, Business Income, Business Interruption, Care/Custody/Control, CGL, Equipment, Equipment Breakdown, GL, Inland Marine, Liability, Liquor Liab, Participant Accident, Pool & Spa

Liability, Professional Liability, Property, Umbrella

Carrier Status Admitted, Non-admitted States All States

Philadelphia Insurance Companies

Coverages Abuse & Molestation, Commercial Auto, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Earthquake, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Legal Expense Ins, Nonprofit D&O, Participant Accident, Professional Liability, Property, Real & Business Personal Prop, Sexual Misconduct, Uninsured Motorists

Carrier Status Admitted States All States except LA

RPS Signature Programs

Coverages Abuse & Molestation, Blanket Addt’l Insureds, Crime, Cyber Liab, D&O, EPLI, Equipment, Excess Liab, Fiduciary Liab, GL, Herbicide & Pesticide, Hired & Nonowned Auto, Inland Marine, Pollution, Property, Student Accident States All States

Sports & Fitness Insurance Corporation (SFIC)

Coverages Accident & Health, Commercial Auto, BOP, CGL, Employee Benefits, Flood, GL Carrier Status Admitted, Non-admitted States All States

Sports & Wellness Insurance

Coverages Accident & Health, Crime, Cyber Liab, D&O, GL, Hired & Non-owned Auto, Inland Marine, Property, Umbrella

Carrier Status Admitted States All States www.insurancehelper.com

Coverages Abuse & Molestation, Blanket Addt’l Insureds, Blanket Waivers, CGL, GL, Hired & Non-owned Auto, Liability, Liquor Liab, Medical Payments, Participant Accident, Personal Liab, Sexual Misconduct, Trade Shows & Festivals Carrier Status Non-admitted States All States

Ambulance Service

Markel

Coverages Abuse & Molestation, Auto Comm-Standard, CGL, Crime, Inland Marine, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States except AK, HI, MA, NY

National Indemnity Company

Coverages Auto Comm-Nonstandard, Auto CommNonstandard Phys Dmg, Medical Payments, Uninsured Motorists Carrier Status Admitted, Non-admitted States All States except HI, MA, NJ, NY

Pro-Praxis Insurance

Coverages E&O, Professional Liab Carrier Status Admitted States All States

Amusement Parks

Alive Risk

Coverages Excess Liability, GL, Hired & Non-owned Auto, Inland Marine, Liquor Liability, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

McGowan Allied Specialty Insurance

Coverages Auto Comm-Standard, CGL, Crime, Equipment Breakdown, Excess Liab, Hired & Non-owned Auto, Inland Marine, Property, Workers’ Comp Carrier Status Admitted States All States

The McGowan Companies

Coverages Auto Comm-Standard, Excess Liab, GL, Inland Marine, Participant Accident, Pollution, Prize Indemnification, Property, Workers’ Comp Carrier Status Admitted States All States

Animal Rescue Organizations

Care Providers Insurance Services

Coverages Accident & Health, Auto Comm-Standard, Crime, D&O, EPLI, Excess Liab, GL, Inland Marine, Professional Liab, Property States All States

Nonprofits Insurance Alliance

Coverages Abuse & Molestation, Accidental Death, Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, CGL, Commercial Excess, Community/Social Svcs, Crime, D&O, E&O, Employee Benefits, EPLI, Fire Legal Liab, GL, Liability, Liquor Liab, Misc Professional Liability, Products

MAXIMUM

Coverages Apartment House Package, Boiler & Machinery, Business Income, CGL, COC, Commercial Excess, Difference in Conditions, Earthquake, Equipment Breakdown, Excess Liab, Fire, Fire Legal Liab, Foreclosed Properties, GKLL, GL, Hail, Historic Bldgs/Unique Property, Inland Marine, Liability, Lost Key, Mechanical Breakdown, Personal Property, Physical Damage Rental Units, Pollution, Pool & Spa Liab, Property, Umbrella, Wind Carrier Status Admitted, Non-admitted States All States

MG Skinner & Associates

Coverages Apartment House Package, Boiler & Machinery, Business Income, CGL, Crime, Cyber Liab, D&O, E&O, Earthquake, EPLI, Excess Liab, Flood, Misc Professional Liab, Professional Liab, Property, Tenant Discrimination, Umbrella, Wind, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Monarch E&S Insurance Services

Coverages GL, Property Carrier Status Non-admitted States All States

Moxie Underwriters

Coverages Business Income, Equipment Breakdown, GL, Hired & Non-owned Auto, Property Carrier Status Admitted, Non-admitted States AZ, CA, NV, OR, WA

NeitClem Wholesale Insurance Brokerage Inc.

Apartment Building Owners

5Star Specialty Programs

Coverages Apartment House Package, Difference in Conditions, Excess Liab, Fire, Flood, Liability, Loss of Use, Tenant Discrimination Carrier Status Admitted, Nonadmitted States AZ, CA, NV, TX New Empire Insurance Services

Coverages Excess Liab, Pollution, Umbrella

Carrier Status Admitted States All States

Philadelphia Insurance Companies

Coverages Commercial Auto, Boiler & Machinery, Business Income, Care/Custody/Control, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Legal Expense Ins, Personal Property, Professional Liab, Protection & Indemnity (P&I), Umbrella, Uninsured Motorists

Carrier Status Admitted States All States except LA

REInsurePro

Coverages

Apartment Insurance Consultants LLC

Berkley Luxury Group, a W.R. Berkley Company

Coverages CGL, Cyber Liab, GKLL, Hired & Non-owned Auto, Property Carrier Status Admitted States DC, GA, IL, MA, MD, MI, MN, NJ, NY, PA, VA, WI

CID Insurance Programs Inc.

Coverages BOP, CGL, Commercial Excess, Excess Liab, Fidelity, GL, Liability, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States AZ, CA, CO, ID, MD, NE, NM, NV, OR, TN, TX, UT, VA, WA

Distinguished Programs

Coverages Boiler & Machinery, CGL, Property, Umbrella Carrier Status Admitted, Non-admitted States All States

Flood Risk Solutions

FTP of California

Coverages Builders Risk, Business Income, CGL, Dwelling Fire, Earthquake, Equipment Breakdown, Flood, Foreclosed Properties, Hail, Hurricane, Medical Payments, Property, Real & Business Personal Prop, Rented Property, Residential Property, Tenant Discrimination, Theft, Vacant Building, Wind Carrier Status Non-admitted States All States except FL, LA, NY

Southwest Risk

Coverages Builders Risk, CGL, Property, Umbrella

Carrier Status Admitted, Non-admitted States All States

Sovereign Group Int’l Inc.

Coverages Apartment House Package, Builders Risk, Business Income, CGL, EPLI, Fire, GL, Hail, Property, Umbrella Carrier Status Non-admitted States MA, NJ, NY

Specialty Wholesale Ins. Solution (SWIS), a Div of SPG

Coverages Assault & Battery, Business Income, D&O, Earthquake, Environmental Liab, Equipment Breakdown, Fire Legal Liab, Flood, Liability, Mechanical Breakdown, Pollution, Pollution Liab, Property, Umbrella, Wind Carrier Status Admitted States CT, DC, MA, MD, NJ, NY, PA

TAPCO Underwriters Inc.

Coverages Apartment House Package, Assault & Battery, Business Income, GL, Property Carrier Status Non-admitted States Most States

The McGowan Companies

Coverages Commercial Excess, Excess Liab, Umbrella

Carrier Status Admitted States All States

XPT

Coverages Apartment House Package, Assault & Battery, CGL, Earthquake, Excess Liab, Fire, Fire Legal Liab, GL, Medical Payments, New Occurrence, Umbrella

Carrier Status Non-admitted States All States

Appraisers

Arborists/Tree Services

Applied Underwriters Inc.

Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Combo Personal & Commercial, Truck Auto Liab, Workers’ Comp States All States

Legacy Employer Concepts LLC

Coverages EPLI, Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted, Non-admitted States All States

StateFund First, a Div of Arthur J Gallagher Ins Brokers of CA Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States CA

Architects & Engineers

5Star Specialty Programs

Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States

Access E&S Insurance Services

Coverages Environmental Liab, Excess Liab, Liability, Professional Liab Carrier Status Admitted, Non-admitted States AR, DC, DE, GA, IL, MD, NC, NJ, NY, OH, PA, SC, TN, TX, VA

Amwins - 150+ Locations Worldwide

Coverages Pollution, Technology E&O Carrier Status Admitted, Non-admitted States All States except AK, WY Draftrs Inc.

Coverages E&O, Professional Liab States All States

Freberg Environmental Inc.

Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Commercial Excess, E&O, Environmental Liab, EPLI, GL, Hired & Non-owned Auto, Pollution, Pollution Liab, Professional Liab, Transportation Pollution Liab, Umbrella

Carrier Status Non-admitted States All States

Hull & Company Coverages Commercial Excess, D&O, E&O, EPLI

Carrier Status Admitted, Non-admitted States All States except DC

J.E. Brown & Associates

Coverages Cyber Liab, D&O, E&O, EPLI States AZ, CA, CO, NV, OR, TX, UT, WA

JM Wilson

Coverages Cyber Liab, D&O, E&O, EPLI, Excess Liab, Foreign GL, GL, Professional Liab, Umbrella, Workers’ Comp

Carrier Status Admitted, Non-admitted States All States except AK, HI, NY

Logic Underwriters Inc.

Coverages BOP, Professional Liab Carrier Status Admitted, Non-admitted States TX

NeitClem Wholesale Insurance Brokerage Inc.

Coverages Excess Liab, Professional Liab

Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX

NSM Insurance Group

Coverages E&O, Misc Professional Liab, Professional Liab

Carrier Status Admitted, Non-admitted States All States

Professional Insurance Concepts

Coverages E&O, EPLI, Professional Liab

Carrier Status Admitted States All States

Professional Underwriters Agency (PUA)

Coverages Pollution Liab, Professional Liab

Carrier Status Admitted, Non-admitted States All States

Quaker Special Risk, a Jencap Company (Florida)

Coverages Pollution Liab, Professional Liab, Umbrella

Carrier Status Non-admitted States Most States

Quaker Special Risk, a Jencap Company (Mass.)

Coverages Pollution Liab, Professional Liab, Umbrella

Carrier Status Non-admitted States Most States

Quaker Special Risk, a Jencap Company (New Jersey)

Coverages Pollution Liab, Professional Liab, Umbrella

Carrier Status Non-admitted States Most States

Coverages Boiler & Machinery, CGL, Property Carrier Status Non-admitted States All States except DC

Logic Underwriters Inc.

Coverages GL, Property Carrier Status Non-admitted States TX

M.J. Hall & Company Inc.

Coverages Business Income, CGL, COC, Property

Carrier Status Admitted, Non-admitted States AK, AZ, CA, CO, HI, ID, KS, MT, ND, NE, NM, NV, OK, OR, SD, TX, UT, WA, WY

5Star Specialty Programs

Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States

Landy Insurance Agency

Coverages BOP, Cyber Liab, E&O, Professional Liability, Workers’ Compensation Carrier Status Admitted States All States except AK, LA

Target Professional Programs

Coverages E&O, Professional Liab States All States

Ryan Specialty National Programs

Coverages Pollution, Professional Liability

Carrier Status Admitted States All States except AK, LA, VT

Target Professional Programs

Coverages E&O, Professional Liability

Carrier Status Non-admitted States All States except AK, HI

Victor Insurance Managers LLC

Coverages Cyber Liab, E&O, Inland Marine, Liability, Pollution Liab, Professional Liab, Property

Carrier Status Admitted States All States

U.S. Risk LLC

All States except KY

Coverages GL, Professional Liab Carrier Status Non-admitted States All States

Union General Insurance Services Inc.

Coverages GL, Professional Liab, Property

Carrier Status Admitted, Non-admitted States AZ, CA, ID, MT, NM, NV, OR, TX, UT, WA

Associations/Affinity Groups

Affinity Nonprofits

Coverages BOP, Business Income, Crime, Cyber Liab, D&O, Event Cancellation, Excess Liab, GL, Workers’ Comp

Carrier Status Admitted States All States

Applied Underwriters Inc.

Coverages Accessories, Warranties, Extended

Carrier Status Admitted States All States Philadelphia Insurance Companies

Coverages Commercial Auto, Boiler & Machinery, Business Income, Care/Custody/Control, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire

Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Legal Expense Ins, Personal Property, Professional Liab, Protection & Indemnity (P&I), Umbrella, Uninsured Motorists

Carrier Status Admitted States All States except LA

Professional Insurance Concepts

Coverages E&O, EPLI, Professional Liab

Carrier Status Admitted States All States

Venture Insurance Programs

Coverages Auto Comm-Standard, Crime, Cyber Liab, D&O, GL, Inland Marine, Liquor Liab, Medical Malpractice, Professional Liab, Property, Real & Business Personal Prop, Sexual Misconduct, Umbrella States All States

Attorneys

5Star Specialty Programs

Coverages Workers’ Comp, Workers’ Comp Plus (Alternative)

Carrier Status Admitted States All States

Berkley Select | a Berkley Company

Coverages E&O, EPLI, Professional Liab

Carrier Status Admitted, Non-admitted States All States

Lawyer’s Protector Plan

Coverages E&O, Legal Liab, Legal Malpractice, Professional Liab Carrier Status Admitted States Most States

Number One Insurance Agency

Coverages Excess Liab, Professional Liab

Carrier Status Admitted, Non-admitted States MA

Quirk & Company

Coverages CGL, Professional Liab, Property

Carrier Status Non-admitted States NM, OK, OR, TN, TX, WA

RPS Signature Programs

Coverages Cyber Liab, E&O, Personal Liab, Professional Liab States All States

Synergy Professional Associates Inc.

Coverages E&O, Professional Liab Carrier Status Admitted, Non-admitted States All States

Target Professional Programs

Coverages BOP, Business Income, Business Interruption, Care/Custody/Control, CGL, Commercial Auto, Crime, E&O, Employee Benefits, EPLI, Excess Liab, Fidelity, Fire, Fire Legal Liab, Legal Expense Ins, Legal Liab, Legal Malpractice, Liability, Personal Umbrella, Professional Liab, Property, Real & Business Personal Prop, Theft, Umbrella, Workers’ Comp Carrier Status Non-admitted States All States

The McGowan Companies

Coverages E&O, Excess Liab, Professional Liab

Carrier Status Admitted States AL, CA, CO, CT, FL, GA, MI, NV, NY, OH, TN, TX, WA

Vanguard Specialty

Coverages E&O, Excess Liab, Professional Liab

Carrier Status Admitted, Non-admitted States All States

Auctioneers

Markel

Coverages Auto Comm-Standard, CGL, Crime, Cyber Liab, Inland Marine, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States

Philadelphia Insurance Companies

Coverages Commercial Auto, Business Income, Care/ Custody/Control, CGL, Crime, D&O, Employee Benefits, EPLI, Fiduciary Liab, GL, Hired & Non-owned Auto, Identity Theft, Legal Expense Ins, Personal Property, Professional Liab, Protection & Indemnity (P&I), Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA

Auto Body Shops

5Star Specialty Programs

Coverages Workers’ Comp, Workers’ Comp Plus (Alternative)

Carrier Status Admitted States All States

Arrowhead General Insurance Agency Inc.

Coverages Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, Crime, E&O, Equipment Breakdown, Garage Keepers Legal Liab, Garage Liability, GL, Personal Property, Property Carrier Status Admitted States All States except AK, FL, HI, LA

GMI Insurance Services

Coverages Auto Comm-Standard, Garage Liability, GL, Workers’ Comp Carrier Status Admitted States All States except MA, NY

KBK Insurance Group Inc.

Coverages Dealers Open Lot, GKLL, GL, On-Hook Cargo, Physical Damage, Property, Umbrella Carrier Admitted States All States except AK, DC, HI, MA, NY

NeitClem Wholesale Insurance Brokerage Inc.

Coverages GL, Property Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX

Comp Carrier Status Admitted

Auto Dealers

AAU, A division of USG Insurance Services

Coverages D&O, Dealers Open Lot, E&O, EPLI, Garage Keepers Legal Liab, Garage Liability, Motor Truck Cargo, Umbrella Carrier Status Admitted, Non-admitted States All States

Amwins - 150+ Locations Worldwide

Coverages Pollution, Pollution Liability

Carrier Status Non-admitted States All States

CID Insurance Programs Inc.

Coverages BOP, CGL, Commercial Excess, Dealers Open Lot, EPLI, Excess Liab, Fidelity, Garage Keepers Legal Liab, Garage Liability, GKLL, Liability, Property, Umbrella, Uninsured Motorists, Workers’ Comp

Carrier Status Admitted, Non-admitted States AZ, CA, CO, ID, NE, NM, OR, TN, TX, UT, VA, WA

Gerald J. Wilkoff Inc.

Coverages Crime, Fidelity, Fidelity Bonds

Carrier Status Admitted States All States

GMI Insurance Services

Coverages Auto Comm-Standard, GL, Workers’ Comp

Carrier Status Admitted States All States except MA, NY

Izzo Insurance Services, A division of Hull & Company LLC

Coverages Blanket Waivers, Workers’ Comp

Carrier Status Admitted States All States

KBK Insurance Group Inc. (No Franchises)

Coverages Dealers Open Lot, Garage Keepers Legal Liab, GL, On-Hook Cargo, Physical Damage, Property, Umbrella

Carrier Status Admitted States All States except AK, DC, HI, MA, NY

MAXIMUM

Coverages Auto Comm-Nonstandard Phys Dmg, Boiler & Machinery, Builders Risk, Business Income, Business Interruption, Catastrophe, Dealers Open Lot, Excess Flood, Flood, GL, Hail, Hurricane, Inland Marine, Property, Theft, Umbrella Carrier Status Admitted, Non-admitted States All States

Mexico Insurance Online

Coverages Auto Pers-Nonstandard, Auto Pers-Nonstandard Phys Dmg, Auto Pers-Standard, Auto Pers-Standard Phys Dmg, Emergency Towing & Service, Int’l Coverage - Personal States All States

Personal Safeguards Group LLC

Coverages Product Extended Warranty, Service Contracts, Warranties, Extended Carrier Status Admitted States All States

Ryan Specialty National Programs

Coverages Business Income, Crime, Cyber Liab, Dealers Open Lot, E&O, EPLI, Equipment Breakdown, Garage Keepers Legal Liab, Garage Liability, GL, Hired & Non-owned Auto, Identity Theft, Physical Damage, Property, Umbrella Carrier Status Non-admitted States Most States

Target Managers Insurance Services

Coverages EPLI, Workers’ Comp Carrier Status Admitted States All States

Victor Insurance Managers LLC

Coverages Crime, Cyber Liab, Dealers Open Lot, E&O, EPLI, Garage Keepers Legal Liab, Garage Liability, GL, Property, Umbrella Carrier Status Admitted, Non-admitted

States All States except AK, HI

Walter General Agency (WGA)

Coverages Dealers Open Lot, Excess Liab, Garage Keepers Legal Liab, Garage Liability, GKLL, Medical Payments, Property, Umbrella, Uninsured Motorists Carrier Status Non-admitted States AR, MO, OK

Auto Dismantlers/Wrecking Yards

KBK Insurance Group Inc.

Coverages Dealers Open Lot, Garage Keepers Legal Liab, GL, On-Hook Cargo, Property, Umbrella Carrier Status Admitted States All States except AK, DC, HI, MA, NY

Auto Haulers/Transporters

AAU, A division of USG Insurance Services

Coverages Auto Comm-Standard Phys Dmg, Motor Truck Cargo, Physical Damage Carrier Status Admitted, Non-admitted States All States

Apollo General Ins. Agency Inc.

Coverages Auto Comm-Nonstandard Liability, Auto CommNonstandard Phys Dmg, Blanket Addt’l Insureds, Blanket Waivers, CGL, Commercial Excess, Contractors Equip, Environmental Liab, Equipment, Fidelity Bonds, Inland Marine, Pollution, Tools & Equip, Transportation Pollution Liab, Workers’ Comp Carrier Status Non-admitted States All States except AK, HI

Garage Liability, GKLL, Medical Payments, Property, Real & Business Personal Prop Carrier Status Non-admitted States AK, AZ, CA, CO, HI, ID, KS, MT, NE, NM, NV, OK, OR, SD, TX, UT, WA, WY

Monarch E&S Insurance Services

Coverages GL, Property Carrier Status Non-admitted States All States

PartnerOne Environmental

Coverages Environmental Liab, Pollution, Pollution Liab, Transportation Pollution Liab States All States

Roush Insurance Services Inc.

Coverages Business Income, Business Interruption, Care/

Custody/Control, Commercial Excess, Environmental Liab, Equipment, Excess Liab, Garage Liability, GKLL, GL, Hired & Non-owned Auto, Inland Marine, Lost Key, Medical

Payments, Physical Damage, Pollution, Property, Real & Business Personal Prop, Tools & Equip, Wrongful Repo

Carrier Status Non-admitted States IL, IN, OH

Shelly, Middlebrooks & O’Leary Inc.

Coverages Business Income, CGL, D&O, Dealers Open Lot, EPLI, Excess Liab, Fire Legal Liab, Garage Keepers Legal Liab, Garage Liability, GL, Property Carrier Status Admitted, Non-admitted States FL, GA, NC, SC, TX

Target Managers Insurance Services

Coverages Auto Comm-Standard, BOP, EPLI, Garage Liability, GKLL, Truck Auto Liab, Workers’ Comp

Carrier Status Admitted, Non-admitted States All States

Walter General Agency (WGA)

Coverages Commercial Excess, Excess Liability, Garage Keepers Legal Liability, Garage Liability, GKLL, Medical

Payments, Property, Umbrella, Uninsured Motorists

Carrier Status Non-admitted States AR, IL, MO, OK

Auto Repair/Service

Amwins - 150+ Locations Worldwide

Coverages Pollution, Pollution Liability

Carrier Status Non-admitted States All States

Arrowhead General Insurance Agency Inc.

Coverages Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, Crime, E&O, Equipment Breakdown, Garage Keepers Legal Liab, Garage Liability, GL, Personal Property, Property Carrier Status Admitted States All States except AK, FL, HI, LA

CID Insurance Programs Inc.

Coverages BOP, CGL, Commercial Excess, Dealers Open Lot, EPLI, Excess Liab, Fidelity, Garage Keepers Legal Liab, Garage Liability, GKLL, GL, Liability, Property, Umbrella, Uninsured Motorists, Workers’ Comp Carrier Status Admitted, Non-admitted States AZ, CA, CO, ID, MD, NE, NM, NV, OR, TN, TX, UT, VA, WA

GMI Insurance Services

Coverages Auto Comm-Standard, Auto Comm-Standard

Liability, Garage Liability, GL, Workers’ Comp Carrier Status Admitted States All States except MA, NY

Irving Weber Associates Inc. (IWA)

Coverages Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, BOP, Business Income, Crime, Dealers Open Lot, EPLI, Equipment, Equipment Breakdown, Garage Keepers Legal Liab, Garage Liability, GKLL, GL, On-Hook Cargo, Umbrella, Workers’ Comp Carrier Status Admitted States CA, GA, IL, MA, NC, NY, TN, TX

KBK Insurance Group Inc.

Coverages Dealers Open Lot, Garage Keepers Legal Liab, GL, On-Hook Cargo, Property, Umbrella Carrier Status Admitted States All States except AK, DC, HI, MA, NY

Target Managers Insurance Services

Coverages Auto Comm-Standard, BOP, EPLI, Garage Liability, GKLL, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Auto Repossessors

Gerald J. Wilkoff Inc.

Coverages Crime, Fidelity, Fidelity Bonds

Carrier Status Admitted States All States

Auto/Truck Leasing Operations

GMI Insurance Services

Coverages Auto Comm-Standard Liability & Phys Dmg, Garage Liability, GL, Property, Workers’ Comp Carrier Status Admitted States All States except MA, NY

Mexico Insurance Online

Coverages Auto Pers-Nonstandard, Auto Pers-Nonstandard Phys Dmg, Auto Pers-Standard, Auto Pers-Standard Phys Dmg, Emergency Towing & Service, Int’l Coverage - Personal States All States

Philadelphia Insurance Companies

Coverages Lessors Contingent Liab, Lessors Contingent Phys Dmg, Lessors Excess Liab Carrier Status Admitted States All States except LA

Auto/Truck Rental Operations

GMI Insurance Services

Coverages Interim Car Liab/Phys Dmg, Lessor Only Excess Liab, Lessors Contingent Liab, Lessors Contingent Phys Dmg, Workers’ Comp Carrier Status Admitted States All States except MA, NY

Philadelphia Insurance Companies

Coverages Auto Comm-Standard Liability & Physical Damage, Rented Excess Liability Carrier Status Admitted States All States except LA, MI, NV, NY

Bars/Taverns

Anderson & Murison Inc.

Coverages Assault & Battery, Business Income, Crime, Equipment Breakdown, Food Spoilage, GL, Liquor Liab, Medical Payments, Property, Real & Business Personal Prop Carrier Status Admitted, Non-admitted States All States Bass Underwriters

M.J. Hall & Company Inc.

Coverages CGL, Crime, Liquor Liab, Property Carrier Status Non-admitted States AK, AZ, CA, CO, HI, ID, KS, MT, NE, NM, NV, OK, OR, SD, TX, UT, WA, WY

NeitClem Wholesale Insurance Brokerage Inc.

Coverages Assault & Battery, Excess Liab, Fire, Fire Legal Liability, Liability, Liquor Liability Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX

Number One Insurance Agency

Coverages Assault & Battery, Excess Liab, Flood, GL, Liquor Liab, Property, Vacant Building Carrier Status Admitted States MA

Quaker Special Risk, a Jencap Company (New Jersey)

Coverages Crime, Excess Liab, Liquor Liability Carrier Status Non-admitted States DE, GA, NJ, NY

Specialty Insurance

Coverages Assault & Battery, Boiler & Machinery, Business Income, Business Interruption, CGL, Completed Operations

Liability, Crime, Fire, Fire Legal Liability, GL, Glass, Hired & Non-owned Auto, Liability, Liquor Liability, Medical Payments, Property, Real & Business Personal Prop, Spoilage, Theft Carrier Status Admitted, Non-admitted States AZ, CA, CT, DE, FL, GA, IL, MA, MD, MI, MN, MO, NC, NJ, NY, OH, PA, RI, SC, TN, TX

TAPCO Underwriters Inc.

Coverages GL, Liquor Liab, Products Liab, Property Carrier Status Non-admitted States Most States

Walter General Agency (WGA)

Coverages Abuse & Molestation, Assault & Battery, Blanket Addt’l Insureds, Blanket Waivers, Business Income, Business Interruption, CGL, Commercial Excess, Completed Operations Liability, Difference in Conditions, Employee Benefits, Equipment Breakdown, Excess Liability, Fiduciary L Liability iab, Fire, Food Spoilage, GL, Glass, Liability, Liquor Liability, Medical, Medical Payments, Products Liability, Property, Theft, Umbrella Carrier Status Non-admitted States AR, IA, ID, IL, IN, KS, KY, MO, OK, TN

XPT Coverages Assault & Battery, GL, Liquor Liability, Property Carrier Status Admitted, Non-admitted States All States

Beauty/Barber Shops/Salons/Schools/ Supplies

Anderson & Murison Inc.

Coverages Crime, E&O, General Liability, Hired & Non-owned

Auto, Medical Payments, Property, Sexual Misconduct

Carrier Status Admitted, Non-admitted States All States

Bass Underwriters Coverages GL, Property Carrier Status Non-admitted States All States

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

Coverages Abuse & Molestation, Cyber Liab, Equipment Breakdown, Liability, Misc Professional Liab, Professional Liab, Property Carrier Status Non-admitted States All States

Roush Insurance Services Inc.

Coverages Assault & Battery, Boiler & Machinery, Business Income, Business Interruption, CGL, Commercial Excess, Crime, Cyber Liab, D&O, E&O, EPLI, Equipment Breakdown, Excess Liab, Fire, GL, Inland Marine, Liability, Pollution, Professional Liab, Property, Real & Business Personal Prop, Tanning Liab, Theft, Tools & Equip, Trade Shows & Festivals

Carrier Status Non-admitted States IL, IN, OH

SASSI - Salon & Spa Specialty Insurance

Coverages BOP, Business Income, Business Interruption, CGL, Fire, Fire Legal Liability, General Liability, Glass, Inland Marine, Liability, Medical Payments, Professional Liab, Property, Real & Business Personal Prop, Theft, Tools & Equip, Workers’ Comp Carrier Status Admitted States All States except AK, HI, VA, WA

Sovereign Group Int’l Inc.

Coverages Business Income, Business Interruption, CGL, EPLI, Fire, GL, Hail, Liability, Products Liab, Professional Liab, Property, Tanning Liab, Umbrella

Carrier Status Non-admitted States MA, NJ, NY

TAPCO Underwriters Inc.

Coverages GL, Products Liab, Professional Liab, Property

Carrier Status Non-admitted States Most States

Universal Insurance Programs

Coverages Abuse & Molestation, Business Income, Business Interruption, CGL, Crime, E&O, Employee Benefits, EPLI, Equipment Breakdown, Excess Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Liability, Products Liab, Professional Liab, Property, Real & Business Personal Prop, Stop-Gap, Theft, Umbrella Carrier Status Admitted States All States

Bed & Breakfasts

Philadelphia Insurance Companies

Coverages Commercial Auto, Boiler & Machinery, Business Income, Care/Custody/Control, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal

Boys & Girls Clubs

Care Providers Insurance Services

Coverages Abuse & Molestation, Accident & Health, Auto Comm-Standard, Business Interruption, Crime, D&O, EPLI, Excess Liab, GL, Inland Marine, Professional Liab, Property

Carrier Status Admitted States All States

Charity First Insurance Services Inc.

Coverages Abuse & Molestation, Auto Comm-Standard, Business Income, CGL, Cyber Liab, Property, Workers’ Comp

Carrier Status Admitted States All States

Gateway Specialty Insurance

Coverages Abuse & Molestation, EPLI, GL, Nonprofit D&O, Professional Liab, Property, Umbrella Carrier Status

Admitted, Non-admitted States All States except AK, HI, LA

Irwin Siegel Agency

Coverages Abuse & Molestation, Accident & Health, Commercial Auto, Boiler & Machinery, Business Income, CGL, Crime, Cyber Liab, D&O, Environmental Liab, EPLI, Equipment Breakdown, Excess Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Inland Marine, Medical Payments, Nonprofit D&O, Pollution Liab, Professional Liab, Property, Sexual Misconduct, Student Accident, Umbrella

Carrier Status Admitted, Non-admitted States All States

K&K Insurance Group Inc.

Coverages Auto Comm-Standard, CGL, Crime, D&O, EPLI, Excess Liab, Inland Marine, Property, Workers’ Comp Carrier Status Admitted States All States

Nonprofits Insurance Alliance

Camps

Great American Ins. Group, Specialty Human Services

Coverages Commercial Auto, Boiler & Machinery, Business Income, CGL, Commercial Excess, Community/Social Svcs, Crime, Educator Legal Liab, Equipment Breakdown, Excess Liab, Fidelity, Fine Arts, Fire Legal Liab, GL, Historic Bldgs/ Unique Property, Inland Marine, Legal Liab, Liability, Liquor Liab, Medical Payments, Misc Professional Liab, Property, Real & Business Personal Prop, Sexual Misconduct, Umbrella

Carrier Status Admitted States All States except HI, LA, OK

K&K Insurance Group Inc.

Coverages Auto Comm-Standard, Business Income, Crime, GL, Hired & Non-owned Auto, Inland Marine, Property, Workers’ Comp Carrier Status Admitted States All States except FL

Philadelphia Insurance Companies

Coverages Abuse & Molestation, Commercial Auto, Boiler & Machinery, Business Income & Interruption, CGL, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, Food Spoilage, GL, Identity Theft, Inland Marine, Participant Accident, Professional Liab, Property, Real & Business Personal Prop, Sexual Misconduct, Umbrella, Uninsured Motorists, Uninsured Personal Injury

Carrier Status Admitted States All States except LA

RPS Signature Programs

Coverages Accident & Health, CGL, Crime, D&O, Equipment, Excess Liab Carrier Status Admitted States All States

Sports & Fitness Insurance Corporation (SFIC)

Insurance Companies

Commercial Auto, Boats, Boiler & Machinery, Business Income, Business Interruption, Care/Custody/ Control, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal

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

Philadelphia Insurance Companies

Coverages Abuse & Molestation, Commercial Auto, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, Cyber Liab, D&O, Employee Benefits, EPLI, Equipment Breakdown, Inland Marine, Participant Accident, Property, Umbrella Carrier Status Admitted States All States except LA

Breweries and Distilleries

Philadelphia Insurance Companies

Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Liquor Liab, Participant Accident, Professional Liab, Property, Real & Business Personal Prop, Umbrella Carrier Status Admitted States All States except LA

Broadcasters

Amwins - 150+ Locations Worldwide

Coverages Auto Comm-Standard, Business Interruption, Crime, GL, Inland Marine, Property, Umbrella Carrier Status Admitted States All States

Coverages CGL, Crime, Fire Legal Liab, Flood, GL, Hired & Non-owned Auto, Property, Umbrella, Workers’ Comp

Carrier Status Admitted, Non-admitted States All States

Sports & Wellness Insurance

Coverages Accident & Health, Crime, Cyber Liab, D&O, GL, Hired & Non-owned Auto, Inland Marine, Property, Umbrella

Carrier Status Admitted States All States

Cannabis/Marijuana - Dispensary and Growers

Breckenridge Insurance

Coverages EPLI, Property, Workers’ Comp

Carrier Status Admitted States All States

Flux Insurance Services LLC

Coverages Auto Comm-Standard, BOP, Cargo, CGL, Commercial Excess, Crime, D&O, E&O, Employee Benefits, EPLI, Hired & Non-owned Auto, Products Liab, Professional Liab, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

GMI Insurance Services

Coverages Auto Comm-Nonstandard, Auto CommNonstandard Phys Dmg, Cargo, Motor Truck Cargo, Theft, Workers’ Comp Carrier Status Admitted, Non-admitted States AZ, CA, CO, CT, IL, MA, ME, MI, MT, NJ, NM, NV, NY, OR, RI, VA, VT, WA

J.E. Brown & Associates

Coverages Auto Comm-Standard, BOP, GL, Products Liab, Property States AZ, CA, CO, NV, OR, TX, UT, WA

Legacy Employer Concepts LLC

Coverages EPLI, Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted, Non-admitted States All States

M.J. Hall & Company Inc.

Auto Comm-Standard, Boiler & Machinery, CGL, Crime, EPLI, Excess Liab, Property, Workers’ Comp

Carrier Status Admitted States All States except FL

McGowan Allied Specialty Insurance

Coverages Auto Comm-Standard, CGL, Crime, Equipment Breakdown, Excess Liab, Hired & Non-owned Auto, Inland

Marine, Property, Workers’ Comp Carrier Status Admitted

States All States

Philadelphia Insurance Companies

Coverages Abuse & Molestation, Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Earthquake, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Legal Expense Ins, Nonprofit D&O, Participant Accident, Professional Liab, Property, Real & Business Personal Prop, Sexual Misconduct, Uninsured Motorists

Carrier Status Admitted States All States except LA

Sports & Wellness Insurance

Coverages Accident & Health, Crime, Cyber Liab, D&O, GL, Hired & Non-owned Auto, Inland Marine, Property, Umbrella

Carrier Status Admitted States All States

Campgrounds

Breckenridge Insurance

Coverages Auto Comm-Standard, Crime, Cyber Liab, D&O, GL, Inland Marine, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States except AK, HI, NY

K&K Insurance Group Inc.

Coverages Auto Comm-Standard, Boiler & Machinery, CGL, Crime, D&O, EPLI, Inland Marine, Liquor Liab, Property, Workers’ Comp Carrier Status Admitted States All States except FL

McGowan Allied Specialty Insurance

Coverages Auto Comm-Standard, CGL, Crime, Equipment Breakdown, Excess Liab, Hired & Non-owned Auto, Inland Marine, Property, Workers’ Comp Carrier Status Admitted States All States

Philadelphia Insurance Companies

Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Boiler & Machinery, Business Income, Business, Interruption, CGL, Crime, Employee Benefits, Equipment Breakdown, Fire Legal Liab, GL, Hired & Non-owned Auto, Inland Marine, Participant Accident, Professional Liab, Property, Real & Business Personal Prop, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA

Coverages Business Income, CGL, GL, Products Liab, Property, Theft Carrier Status Admitted States AK, AZ, CA, CO, HI, ID, KS, MT, ND, NM, NV, OK, OR, SD, TX, UT, WA, WY

Monarch E&S Insurance Services

Coverages GL, Property Carrier Status Non-admitted States All States

PEO Brokers Group

Coverages WC - Master Policies/ASO, Workers’ Comp, Workers’ Comp Plus (Alternative) States All States

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

Coverages Bailee/Customer Goods, GL, Inland Marine, Products Liab, Property Carrier Status Non-admitted

States All States

StateFund First, a Div of Arthur J Gallagher Ins Brokers of CA

Coverages Workers’ Comp, Workers’ Comp Plus (Alternative)

Carrier Status Admitted States CA

Casinos

Distinguished Programs

Coverages Cyber Liab, Liability, Umbrella

Carrier Status Admitted, Non-admitted States All States

K&K Insurance Group Inc.

Coverages Auto Comm-Standard, Boiler & Machinery, CGL, Crime, EPLI, Inland Marine, Property, Workers’ Comp

Carrier Status Admitted States All States

Caterers

Specialty Insurance

Coverages Assault & Battery, Boiler & Machinery, Business Income, Business Interruption, CGL, Completed Operations

Liab, Crime, Fire, Fire Legal Liab, Food Spoilage, GL, Glass, Liability, Liquor Liab, Property, Spoilage, Theft Carrier Status

Admitted, Non-admitted States AZ, CA, CT, DE, FL, GA, IL, MA, MD, MI, MN, MO, NC, NJ, NY, OH, PA, RI, SC, TN, TX

The McGowan Companies

Coverages Commercial Excess, Umbrella Carrier Status Admitted States All States

www.insurancehelper.com

Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Completed Operations, GL, HNOA, Liability, Liquor Liab, Medical Payments, Personal Liab, Products Liab, Trade Shows & Festivals Carrier Status Non-admitted States All States

XPT

Coverages Business Income, Business Interruption, CGL, Fire, Fire Legal Liab, Liability, Medical Payments, New Occurrence, Products Liab, Property Carrier Status Admitted, Non-admitted States All States

Cemeteries

Brownyard Group

Coverages Auto Comm-Standard, Business Income, CGL, Commercial Excess, Crime, D&O, E&O, EPLI, Equipment, Fine Arts, GL, Inland Marine, Liability, Professional Liability, Property, Tools & Equip Carrier Status Admitted States All States except AK, FL, HI, WA

Chemical Manufacturers/Distributors

ChemPlan - Chemical Insurance

Coverages Auto Comm-Standard, CGL, Environmental Liab, Property, Umbrella Carrier Status Admitted States All States

MAXIMUM

Coverages Boiler & Machinery, Builders Risk, Business Income, Business Interruption, Catastrophe, Difference in Conditions, Earthquake, Equipment, Equipment Breakdown, GL, Hurricane, Property, Umbrella Carrier Status Admitted, Non-admitted States All States

NeitClem Wholesale Insurance Brokerage Inc.

Coverages Blanket Addt’l Insureds, Completed Operations Liab, Equipment, Foreign GL, Inland Marine, Liability, Pollution, Product Extended Warranty, Products Liab Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX

Child Care/Day Care Centers

Charity First Insurance Services Inc.

Coverages Abuse & Molestation, Accident & Health, Auto Comm-Standard, Blanket Addt’l Insureds, Boiler & Machinery, Business Income, CGL, Community/Social Svcs, Crime, Cyber Liab, Developmental Disabilities, EPLI, Equipment Breakdown, Inland Marine, Liquor Liab, Nonprofit D&O, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States

Great American Ins. Group, Specialty Human Services

Coverages Abuse & Molestation, Auto Comm-Nonstandard, Blanket Addt’l Insureds, Business Income, CGL, Commercial Excess, Community/Social Svcs, Crime, Educator Legal Liab, Employee Benefits, Equipment Breakdown, Excess Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Inland Marine, Misc

Professional Liab, Professional Liability, Umbrella

Carrier Status Admitted States All States except HI, LA, OK Indemnity Excess & Surplus Agency Inc.

Coverages Abuse & Molestation, Addt’l Expense, Business Income, CGL, Equipment Breakdown, Excess Liab, Professional Liab, Property Carrier Status Admitted, Non-admitted States AZ, CA, CO, FL, ID, NV, OR, TX, WA

Irwin Siegel Agency

Coverages Abuse & Molestation, Accident & Health, Auto Comm-Nonstandard, Commercial Auto, Boiler & Machinery, BOP, Business Income, CGL, Crime, Cyber Liab, D&O, EPLI, GL, Inland Marine, Professional Liab, Property, Umbrella

Carrier Status Admitted, Non-admitted States All States

Markel

Coverages Abuse & Molestation, Auto Comm-Standard, CGL, Crime, Cyber Liab, Inland Marine, Property, Student Accident, Umbrella, Workers’ Comp Carrier Status Admitted States All States except HI

Nonprofits Insurance Alliance

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

Motorists Carrier Status Non-admitted States Most States

Philadelphia Insurance Companies

Coverages Abuse & Molestation, Commercial Auto, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Employee Benefits, EPLI, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Participant Accident, Professional Liab, Property, Real & Business Personal Prop, Umbrella, Uninsured Motorists

Carrier Status Admitted States All States except LA, PA, TX

Walter General Agency (WGA)

Coverages Abuse & Molestation, CGL, Excess Liab, GL, Professional Liab, Property, Umbrella

Carrier Status Non-admitted States IL, MO

Chiropractors

Philadelphia Insurance Companies

Coverages Commercial Auto, Business Income, Care/ Custody/Control, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Legal Expense Ins, Personal Property, Professional Liability, Protection & Indemnity (P&I), Umbrella, Uninsured Motorists

Carrier Status Admitted States All States except LA

Churches/Religious Institutions

AAU, A division of USG Insurance Services

Coverages Auto Comm-Standard, Auto Comm-Standard Phys Dmg, Builders Risk, Business Income, Crime, Cyber Liab, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fine Arts, Flood, Hired & Non-owned Auto, Inland Marine, Lost Key, Medical Payments, Motor Truck Cargo, Personal Property, Property, Sexual Misconduct, Umbrella, Work Comp Carrier Status Admitted, Non-admitted States All States

AMIS/Alliance Marketing & Insurance Services LLC

Coverages Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, D&O, Equipment Breakdown, Liability, Property, Workers’ Comp Carrier Status Admitted States All States

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

Coverages BOP, D&O, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except AK, NY

Care Providers Insurance Services

Coverages Abuse & Molestation, Accident & Health, Auto Comm-Standard, Crime, D&O, EPLI, Excess Liab, GL, Inland Marine, Professional Liab, Property Carrier Status Admitted States All States

Charity First Insurance Services Inc.

Coverages Abuse & Molestation, Auto Comm-Standard, CGL, Crime, Cyber Liab, D&O, EPLI, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States

Element22 Insurance Services

Coverages Catastrophe, Fire, Hurricane, Wind

Carrier Status Non-admitted States AL, AR, FL, GA, KS, LA, MA, MS, NC, OK, PA, SC, TN, TX, VA

Gateway Specialty Insurance

Coverages Abuse & Molestation, EPLI, GL, Nonprofit D&O, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States except AK, HI, LA

Gorst & Compass Insurance

Coverages CGL, Glass, Property Carrier Status Non-admitted States CA

J.E. Brown & Associates

Coverages BOP, Earthquake, GL, Inland Marine, Workers’ Comp States AZ, CA, CO, NV, OR, TX, UT, WA

Philadelphia Insurance Companies

Coverages Abuse & Molestation, Commercial Auto, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Employee Benefits, EPLI, Fiduciary Liab, Fine Arts, Fire Legal Liab, GL, Glass, Hired & Non-owned Auto, Identity Theft, Inland Marine, Participant Accident, Professional Liab, Property, Real & Business Personal Prop, Sexual Misconduct, Umbrella, Uninsured Motorists

Carrier Status Admitted States All States except LA

Promont Insurance Advisors

Coverages CGL, Commercial Excess, Cyber Liab, D&O, Employee Benefits, EPLI, Excess Liab, Hired & Non-owned Auto, Professional Liab, Property, Religious Institutions

Carrier Status Non-admitted States All States

RPS Signature Programs

Coverages Abuse & Molestation, Auto Comm-Standard, Auto Comm-Standard Phys Dmg, Business Income, CGL, Commercial Excess, Crime, Cyber Liab, D&O, Hired & Nonowned Auto, Inland Marine, Property, Religious Institutions, Workers’ Comp Carrier Status Admitted States All States Shelly, Middlebrooks & O’Leary Inc.

Coverages Abuse & Molestation, Business Income, Business Interruption, CGL, Crime, D&O, EPLI, Excess Liab, Nonprofit D&O Carrier Status Non-admitted States FL, GA, NC, SC, TX

Claims Adjusters

Philadelphia Insurance Companies

Coverages Commercial Auto, Business Income, Care/Custody/ Control, CGL, Crime, D&O, Employee Benefits, EPLI, Fiduciary Liab, GL, Hired & Non-owned Auto, Identity Theft, Legal Expense Ins, Personal Property, Professional Liab, Protection & Indemnity (P&I), Umbrella, Uninsured Motorists

Carrier Status Admitted States All States except LA

Commercial Building Owners

Apartment Insurance Consultants LLC

Coverages Boiler & Machinery, Business Income, Business Interruption, Equipment Breakdown, Fire, Hail, Mechanical Breakdown, Property, Wind Carrier Status Admitted, Nonadmitted States All States except AK, FL, HI, NY

Applied Underwriters Inc.

Coverages Builders Risk, Combo Personal & Commercial, Commercial Excess, Workers’ Comp Carrier Status Admitted States All States

Breckenridge Insurance

Coverages Difference in Conditions, Earthquake, Flood, Property, Wind Carrier Status Admitted States All States

Business Alliance Insurance Company

Coverages BOP, Equipment Breakdown

Carrier Status Admitted States CA

CID Insurance Programs Inc.

Coverages Apartment House Package, BOP, Business Income, CGL, Commercial Excess, Crime, Cyber Liab, EPLI, Fidelity, GL, Hired & Non-owned Auto, Liability, Loss of Use, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States AZ, CA, CO, ID, MD, NE, NM, NV, OR, PA, TN, TX, UT, VA, WA

Continental Underwriters Inc.

Coverages Combo Personal & Commercial, Commercial Excess, Crime, Cyber Liab, Employee Benefits, Equipment Breakdown, GL, Inland Marine, Int’l Coverage - Commercial, Property, Umbrella, Wind, Workers’ Compensation

Carrier Status Admitted, Non-admitted States All States

Distinguished Programs

Coverages Boiler & Machinery, Builders Risk, CGL, GL, Property, Umbrella, Vacant Building Carrier Status Admitted, Non-admitted States All States

FTP of California

Coverages Builders Risk, CGL, Property, Vacant Building

Carrier Status Non-admitted States All States

Irving Weber Associates Inc. (IWA)

Coverages Commercial Auto, BOP, Business Income, Cargo, CGL, Crime, Employee Benefits, EPLI, Equipment, Equipment Breakdown, Garage Keepers Legal Liab, Garage Liability, GL, Glass, Hired & Non-owned Auto, Liability, Loss of Use, Lost Key, Mechanical Breakdown, Medical, Motor Truck Cargo, On-Hook Cargo, Rented Property, Theft, Tools & Equip, Truck Auto Liab, Umbrella, Workers’ Comp Carrier Status Admitted States All States except AK, DC, FL, HI

MAXIMUM

Coverages Builders Risk, Business Income, Business Interruption, Catastrophe, Earthquake, Equipment, Equipment Breakdown, Flood, GL, Property, Umbrella

Carrier Status Admitted, Non-admitted States All States

MG Skinner & Associates

Coverages Apartment House Package, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, Cyber Liab, D&O, E&O, Earthquake, EPLI, Excess Liab, Flood, Misc Professional Liab, Professional Liab, Property, Tenant Discrimination, Umbrella, Wind, Workers’ Comp

Carrier Status Admitted, Non-admitted States All States

NeitClem Wholesale Insurance Brokerage Inc.

Coverages Assault & Battery, Business Income, CGL, COC, Difference in Conditions, Liability, Property

Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX

New Empire Insurance Services

Coverages Excess Liab, Umbrella Carrier Status Admitted States All States

Promont Insurance Advisors

Coverages CGL, Cyber Liab, Property

Carrier Status Non-admitted States All States

REInsurePro

Coverages GL, Property, Vacant Building

Carrier Status Non-admitted States IN, MO, OH, PA, TX

Roush Insurance Services Inc.

Coverages Apartment House Package, Auto Comm-Standard, Blanket Addt'l Insureds, Blanket Waivers, Boiler & Machinery, Business Income & Interruption, CGL, Commercial Excess, Crime, D&O, E&O, EPLI, Excess Liab, Fire, Foreclosed

Properties, GL, Historic Bldgs, Inland Marine, Installation Floaters, Liability, OCP, Pollution Liab, Property, Rented

Property, Tenant Discrimination, Theft, Vacant Building

Carrier Status Non-admitted States IL, IN, OH

Liability

Carrier Status Admitted States All States except HI

Commercial Marine Companies

LIG Marine Managers

Coverages Boats, Builders Risk, Care/Custody/Control, CGL, Commercial Excess, Commercial Marine, Completed Operations Liab, Federal LHWCA, Foreign GL, Hull, Inland Marine, Legal Liab, Marina Operators Legal, Piers & Docks, Pollution Liab, Protection & Indemnity (P&I), Ship Repairers

Legal, Umbrella, Wet Marine, Work Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States

Markel Personal Lines

Coverages Boats, Commercial Marine, Hull, Pollution Liab, Watercraft Liab Carrier Status Admitted States All States

The American Equity Underwriters Inc.

Coverages MEL, USL&H, Workers’ Comp States All States

Community Associations

Amwins - 150+ Locations Worldwide

Coverages Auto Comm-Standard, Crime, Earthquake, Equipment Breakdown, Flood, GL, Inland Marine, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States

CID Insurance Programs Inc.

Coverages Cyber Liab, D&O, EPLI, Excess Liab, Fidelity, GL, Property, Workers’ Comp Carrier Status Admitted, Nonadmitted States AZ, CA, CO, ID, MD, NE, NM, NV, OR, PA, TN, TX, UT, VA, WA

Ryan Specialty National Programs

Coverages Collateral Protection, Force Place Fire Cvrg, GL, Mortgage Impairment, Mortgage REO Cvrg, Property, Vacant Building Carrier Status Non-admitted States All States

Southeastern Underwriters Inc. (SUI)

Coverages Blanket Forced Placed, Collateral Protection, Foreclosed Properties, Mortgage Impairment Carrier Status Admitted States All States

Unitas Financial Services

Coverages Blanket Forced Placed, Collateral Protection, Flood, Force Place Fire Cvrg, Mortgage Impairment, Mortgage REO Cvrg Carrier Status Admitted, Non-admitted States All States except AK, HI

Community Health Centers

Philadelphia Insurance Companies

Coverages Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fire, Fire Legal Liab, GL, Identity Theft, Inland Marine, Participant Accident, Professional Liab, Property, Real & Business Personal Prop, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA

Pro-Praxis Insurance

Coverages E&O, Professional Liab Carrier Status Admitted States All States

Community/Social Services

Affinity Nonprofits

Coverages Abuse & Molestation, Accident & Health, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Crime, Cyber Liab, D&O, E&O, EPLI, Excess Auto, Excess Liab, Fiduciary Liab, GL, Nonprofit D&O, Professional Liab, Property, Umbrella Carrier Status Admitted States All States

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

Coverages BOP, D&O Carrier Status Admitted, Non-admitted States All States except AK, NY

Care Providers Insurance Services

Coverages Abuse & Molestation, Accident & Health, Auto Comm-Standard, Crime, D&O, EPLI, Excess Liab, GL, Inland Marine, Professional Liab, Property Carrier Status Admitted States All States

Charity First Insurance Services Inc.

Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, Business Income, CGL, Crime, Cyber Liab, EPLI, Inland Marine, Nonprofit D&O, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States

Gateway Specialty Insurance

Coverages Abuse & Molestation, EPLI, GL, Nonprofit D&O, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States except AK, HI, LA

Great American Ins. Group, Specialty Human Svcs

Coverages Abuse & Molestation, Auto Comm-Nonstandard, Blanket Addt’l Insureds, Business Income, CGL, Commercial Excess, Community/Social Svcs, Crime, Educator Legal Liab, Employee Benefits, Equipment Breakdown, Excess Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Inland Marine, Misc Professional Liab, Professional Liability, Umbrella Carrier Status Admitted States All States except HI, LA, OK

RPS Signature Programs

Coverages Abuse & Molestation, Auto Comm-Standard

Liability, Auto Comm-Standard Phys Dmg, Blanket Addt’l

Insureds, Crime, Cyber Liab, D&O, EPLI, Excess Liab, Fiduciary Liab, GL, Hired & Non-owned Auto, Inland Marine, Nonprofit D&O, Professional Liab, Property, Workers’ Comp States All States

Venture Insurance Programs

Coverages Auto Comm-Standard, Crime, Cyber Liab, D&O, GL, Inland Marine, Liquor Liab, Medical Malpractice, Professional Liab, Property, Real & Business Personal Prop, Sexual Misconduct, Umbrella Carrier Status Admitted States All States

Computer Consultants/Programmers/ Designers

Indemnity Excess & Surplus Agency Inc.

Coverages Cyber Liab, GL, Property, Technology E&O

Carrier Status Admitted, Non-admitted States Most States

Philadelphia Insurance Companies

Coverages BOP, E&O Carrier Status Admitted States All States except LA

Professional Insurance Concepts

Coverages E&O, EPLI, Professional Liability

Carrier Status Admitted States All States

Professional Underwriters Agency (PUA)

Coverages Products Liab, Professional Liab

Carrier Status Admitted, Non-admitted States All States

RPS Technology & Cyber

Coverages BOP, Breach of Security, Business Income, Business Interruption, CGL, Combo Personal & Commercial, Completed Operations Liab, Crime, Cyber Liab, D&O, E&O, Employee Benefits, EPLI, Excess Liab, Fidelity, Fidelity Bonds, Fiduciary Liab, Hired & Non-owned Auto, Liability, Media Liab, Products Liab, Professional Liab, Property, Technology E&O, Umbrella Carrier Status Admitted States All States except DC

Shelly, Middlebrooks & O’Leary Inc.

Coverages Abuse & Molestation, Business Income, Business Interruption, CGL, Commercial Excess, Crime, Cyber Liab, D&O, E&O, EPLI, Equipment, Excess Liab, Professional Liab

Carrier Status Non-admitted States FL, GA, NC, SC, TX

Concessionaires and Vendors

K&K Insurance Group Inc.

Coverages CGL, Inland Marine Carrier Status Admitted States All States

Roush Insurance Services Inc.

Coverages Bailee/Customer Goods, Care/Custody/Control, CGL, Commercial Marine, Equipment Breakdown, Excess Liab, Fire, Food Spoilage, Inland Marine, Liability, Liquor Liab, Medical Payments, Portable Equip, Property, Real & Business Personal Prop, Spoilage, Tools & Equip, Trade Shows & Festivals Carrier Status Non-admitted States IL, IN, OH

www.insurancehelper.com

Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Completed Operations Liab, GL, Hired & Non-owned Auto, Liability, Liquor Liability, Medical Payments, Personal Liability, Products Liab, Trade Shows & Festivals

Carrier Status Non-admitted States All States

Kevin Davis Insurance Services

Coverages Crime, Cyber Liab, D&O, E&O Carrier Status Admitted States All States except MT, VT MG Skinner & Associates

Coverages CGL, Crime, Cyber Liab, D&O, GL, Nonprofit D&O, Property, Umbrella Carrier Status Admitted, Non-admitted States All States

New Empire Insurance Services

Coverages Excess Liab, GL, Pollution, Property, Umbrella

Carrier Status Admitted States All States

Shelly, Middlebrooks & O’Leary Inc.

Coverages Abuse & Molestation, Business Income, Business

Interruption, CGL, Commercial Excess, Crime, Cyber Liab, D&O, E&O, EPLI, Equipment, Excess Liab, Nonprofit D&O

Carrier Status Non-admitted States FL, GA, NC, SC, TX

The McGowan Companies

Coverages Commercial Excess, D&O, EPLI, Excess Liab, Fidelity, Fidelity Bonds, Fiduciary Liab, Umbrella

Carrier Status Admitted States All States

Community Banks/Credit Unions

Proctor Loan Protector

Coverages Blanket Forced Placed, E&O, Excess Flood, Force Place Fire Cvrg, Foreclosed Properties, High Valued Homes, Mobile Home Ins, Mortgage Impairment, Mortgage REO

Cvrg, Rented Property, Residential Property

Carrier Status Non-admitted States All States

Irwin Siegel Agency

Coverages Abuse & Molestation, Accident & Health, Addiction Treatment, Commercial Auto, Boiler & Machinery, Business Income, CGL, Community/Social Svcs, Crime, Cyber Liab, D&O, Developmental Disabilities, Excess Liab, GL, Inland Marine, Mental Health Care, Nonprofit D&O, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States

Negley Associates

Coverages CGL, Professional Liability

Carrier Status Non-admitted States All States

Nonprofits Insurance Alliance

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

Philadelphia Insurance Companies Coverages Abuse & Molestation, Commercial Auto, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, Food Spoilage, GL, Hired & Non-owned Auto, Identity Theft, Participant

Concrete Pumper Firms

NBIS

Coverages Auto Comm-Standard, Auto Comm-Standard Phys Dmg, Bailee/Customer Goods, Blanket Addt’l Insureds, Blanket Waivers, Care/Custody/Control, CGL, Commercial Excess, Contractors Equip, Excess Liab, Hired & Non-owned Auto, Inland Marine, Liability, Physical Damage, Physical Damage Rental Units, Real & Business Personal Prop, Tools & Equip, Truck Auto Liab, Umbrella Carrier Status Admitted, Non-admitted States All States

Norman-Spencer Agency LLC

Coverages Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, CGL, Inland Marine, Property, Umbrella

Carrier Status Admitted States All States except DC, NY

Condo Associations

Amalgamated Insurance Underwriters

Coverages Boiler & Machinery, Earthquake, Flood, Property Carrier Status Non-admitted States All States except CO, FL, HI, LA, NY, TX

Apartment Insurance Consultants LLC

Coverages Boiler & Machinery, Business Income, Business Interruption, Equipment Breakdown, Fire, Hail, Mechanical Breakdown, Property, Wind Carrier Status Admitted, Non-admitted States All States except AK, FL, HI, NY

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EPLI, Excess Flood, Fire, Flood, Garage Keepers Legal Liability, GL, Homeowners Pkg, Liability, Nonprofit D&O, Pool & Spa Liab, Property, Umbrella, Wind, Work Comp

Non-admitted States AL, CA, FL, GA, KY, TN, TX Commercial Sector Insurance Brokers LLC Coverages Catastrophe, CGL, Commercial Excess, Contingent

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

Coverages D&O, GL, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except AK, NY

Coastal Insurance Underwriters Inc.

Coverages Boiler & Machinery, Business Income, CGL, Crime, Cyber Liab, Difference in Conditions, Employee Benefits, Environmental Liab, EPLI, Excess Flood, Fire, Flood, Garage Keepers Legal Liab, GL, Homeowners Pkg, Liability, Nonprofit D&O, Pool & Spa Liab, Property, Umbrella, Wind, Workers’ Comp Carrier Status Non-admitted States AL, CA, FL, GA, KY, TN, TX

Commercial Sector Insurance Brokers LLC

Coverages Catastrophe, CGL, Commercial Excess, Contingent Coverages, Earthquake, Equipment Breakdown, Excess Flood, Hurricane, Property, Umbrella, Wind

Carrier Status Non-admitted States Most States

Community Association Insurance Solutions LLC

Flood Risk Solutions Inc.

Coverages Addt’l Living Expense, Builders Risk, Business Income, Business Interruption, Commercial Excess, Excess Flood, Flood, Personal Property Carrier Status Non-admitted States All States

Indemnity Excess & Surplus Agency Inc.

Coverages CGL, Hired & Non-owned Auto, Loss of Use, Rented Property, Residential Property, Umbrella Carrier Non-admitted States AZ, CA, CO, ID, NV, OR, TX, WA

J.E. Brown & Associates

Coverages BOP, Earthquake, GL, Inland Marine, Workers’ Comp States AZ, CA, CO, NV, OR, TX, UT, WA

MG Skinner & Associates

Coverages Addt’l Living Expense, Earthquake, Fine Arts, Flood, Food Spoilage, Loss of Use, Personal Liab, Personal Property, Personal Umbrella, Property, Theft, Umbrella, Wind Carrier Status Admitted, Non-admitted States All States

except ID, MA, ND, OH, WA, WY

Distinguished Programs

Coverages CGL, Crime, D&O, GL, Property, Umbrella

Carrier Status Admitted, Non-admitted States All States

Element22 Insurance Services

Coverages Catastrophe, Hail, Hurricane, Property, Weather, Wind Carrier Status Non-admitted States AL, FL, GA, LA, NC, SC, TX, VA

Flood Risk Solutions Inc.

Coverages Addt’l Living Expense, Builders Risk, Business Income, Business Interruption, Commercial Excess, Excess

Flood, Flood, Personal Property Carrier Status Non-admitted States All States

HabPro Insurance

Coverages Business Income, Equipment Breakdown, Hired & Non-owned Auto, Property Carrier Status Non-admitted States All States except AK, FL, HI, LA

Kevin Davis Insurance Services

Coverages Crime, Cyber Liab, D&O, E&O Carrier Status Admitted States All States except MT, VT

MG Skinner & Associates

Coverages Boiler & Machinery, Crime, D&O, Earthquake, Excess Liab, Flood, GL, Property, Umbrella, Wind Carrier Status Admitted, Non-admitted States All States

New Empire Insurance Services

Coverages Excess Liab, GL, Pollution, Property, Umbrella Carrier Status Admitted States All States

NSM Insurance Group Coverages Boiler & Machinery, Business Income, Catastrophe, Commercial Excess, Crime, D&O, Earthquake, Equipment Breakdown, Fidelity, Fire, Fire Legal Liab, GL, Hired & Non-owned Auto, Hurricane, Liability, Nonprofit D&O, Piers & Docks, Property, Real & Business Personal Prop, Theft, Umbrella, Wind Carrier Status Non-admitted States CT, DE, FL, GA, MA, MD, NC, NJ, NY, RI, SC, VA

Philadelphia Insurance Companies

Coverages Commercial Auto, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, Employee

Benefits, Equipment Breakdown, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Participant

Accident, Professional Liab, Property, Real & Business

Personal Prop, Umbrella, Uninsured Motorists

Carrier Status Admitted States All States except LA

Specialty Wholesale Ins. Solution (SWIS), a Div of SPG

Coverages Crime, D&O, Liability, Pollution Liab, Property,

Umbrella Carrier Status Admitted States CT, DC, MA, MD, NJ, NY, PA

Condo/Homeowner Associations

Amalgamated Insurance Underwriters

Coverages Boiler & Machinery, Earthquake, Flood, Property

Carrier Status Non-admitted States All States except CO, FL, HI, LA, NY, TX

Anderson & Murison Inc.

Coverages Crime, GL, Hired & Non-owned Auto, Medical

Payments, Property, Theft Carrier Status Admitted, Non-admitted States All States

Apartment Insurance Consultants LLC

Coverages Boiler & Machinery, Business Income, Business Interruption, Dwelling Fire, Equipment Breakdown, Fire,

Hail, Property, Wind Carrier Status Admitted, Non-admitted States All States except AK, FL, HI, NY

Bass Underwriters

Coverages GL, Professional Liab, Property Carrier Status Non-admitted States All States

Berkley Select | a Berkley Company

Coverages E&O, EPLI, Nonprofit D&O

Carrier Status Admitted, Non-admitted States All States

Coverages Workers’ Comp Carrier Status Admitted States All States except ID, MA, ND, OH, WA, WY

Distinguished Programs

Coverages CGL, Crime, D&O, GL, Property, Umbrella

Carrier Status Admitted, Non-admitted States All States

Gerald J. Wilkoff Inc.

Coverages Crime, Fidelity, Fidelity Bonds

Carrier Status Admitted States All States

HabPro Insurance

Coverages Business Income, Equipment Breakdown, Hired & Non-owned Auto, Property Carrier Status Non-admitted States All States except AK, FL, HI, LA

Hull & Company

Coverages Assault & Battery, CGL, D&O, Difference in Conditions, Equipment Breakdown, Excess Flood, GKLL, Property, Umbrella Carrier Status Non-admitted States All States

Irving Weber Associates Inc. (IWA)

Coverages Blanket Addt’l Insureds, BOP, Business Income, Business Interruption, Equipment Breakdown, GL, Liability, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States except AK, DC, FL, HI

J.E. Brown & Associates

Coverages BOP, Earthquake, GL, Inland Marine, Workers’ Comp States AZ, CA, CO, NV, OR, TX, UT, WA

Kevin Davis Insurance Services

Coverages Crime, Cyber Liab, D&O, E&O

Carrier Status Admitted States All States except MT, VT

MexiPass International Insurance Services LLC

Coverages Int’l Coverage - Commercial, Int’l CoveragePersonal Carrier Status Admitted States All States

MG Skinner & Associates

Coverages Boiler & Machinery, Crime, D&O, Earthquake, Excess Liab, Flood, GL, Property, Umbrella, Wind

Carrier Status Admitted, Non-admitted States All States

NeitClem Wholesale Insurance Brokerage Inc.

Coverages GL, Property Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX

New Empire Insurance Services

Coverages Excess Liab, GL, Pollution, Property, Umbrella

Carrier Status Admitted States All States

Philadelphia Insurance Companies

Coverages Commercial Auto, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, Employee Benefits, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Participant Accident, Professional Liab, Property, Real & Business Personal Prop, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA

Quirk & Company

Coverages CGL, D&O, Excess Flood, Flood, Property

Carrier Status Admitted, Non-admitted States LA, OK, OR, TX, WA

Sovereign Group Int’l Inc.

Coverages CGL, Commercial Excess, D&O, EPLI, Fire, GL, Liability, Professional Liab, Umbrella

Carrier Status Non-admitted States MA, NJ, NY

UCA General Insurance Services Inc.

Coverages CGL, Cyber Liability, D&O, EPLI, Equipment Breakdown, Fire Legal Liability, Hired & Non-owned Auto, Medical Payments, Property, Umbrella

Carrier Status Admitted States AZ, CA, ID, NV, OR, UT, WA

Condominium Owners

Commercial Sector Insurance Brokers LLC

Coverages Catastrophe, Contingent Coverages, Earthquake, Hurricane, Property,

REInsurePro

Coverages Builders Risk, Business Income, CGL, Dwelling Fire, Earthquake, Equip Breakdown, Flood, Foreclosed Prope, Hail, Hurricane, Liability, Medical Payments, Property, Real & Business Personal Prop, Rented Prop, Residential Prop, Tenant Discrimination, Theft, Vacant Building, Wind Carrier Status Non-admitted States All except FL, LA, NY

Construction Managers

PartnerOne Environmental

Coverages E&O, Environmental Liab, Pollution, Pollution Liab, Transportation Pollution Liab States All States

Professional Underwriters Agency (PUA)

Coverages Pollution Liab, Professional Liab

Carrier Status Admitted, Non-admitted States All States

Quaker Special Risk, a Jencap Company (New Jersey)

Coverages Blanket Addt’l Insureds, Blanket Waivers, Builders Risk, CGL, Contractors Equip, GL, Liability, Professional Liab, Umbrella Carrier Status Non-admitted States Most States

Target Professional Programs

Coverages E&O, Professional Liab

Carrier Status Non-admitted States All States

Construction Wrap-Up

MAXIMUM

Coverages Excess Liab, GL, Umbrella Carrier Status Admitted, Non-admitted States All States

Wrap Up Insurance Solutions

Coverages Excess Liab, Liability, Workers’ Comp

Carrier Status Admitted, Non-admitted States All States

Consultants-All Kinds

5Star Specialty Programs

Coverages Workers’ Comp, Workers’ Comp Plus (Alternative)

Carrier Status Admitted States All States

AMIS/Alliance Marketing & Insurance Services LLC

Coverages Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, BOP, Liability, Professional Liab, Property, Workers’ Comp Carrier Status Admitted States All States

Anderson & Murison Inc.

Coverages Commercial Excess, D&O, EPLI, Professional Liab

Carrier Status Admitted, Non-admitted States All States

Norman-Spencer International Inc.

Coverages E&O, Professional Liab Carrier Status Admitted States All States except AK, HI

Professional Insurance Concepts

Coverages E&O, EPLI, Professional Liab

Carrier Status Admitted States All States

Professional Liability Ins. Svcs - Underwriting Facilities

Coverages E&O, EPLI, Professional Liab

Carrier Status Non-admitted States All States

Professional Underwriters Agency (PUA)

Coverages E&O, Professional Liab Carrier Status Admitted, Non-admitted States All States

SWBC

Coverages Commercial Auto, Auto Pers-Standard, D&O, E&O, Employee Benefits, Excess Flood, Flood, Force Place Fire Cvrg, Medical, Personal Liab, Professional Liab, Short & LongTerm Disability, Theft, Umbrella, Workers’ Comp

Carrier Status Admitted, Non-admitted

States All States except AK, DC, HI

Western Surplus Lines Agency Inc.

Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Contractors Equip, Control of Well, Excess Liab, Inland

Marine, Medical Payments, Misc Professional Liab, Pollution

Liab Carrier Status Non-admitted States LA, ND, NM, OK, TX

Consultants-Environmental

Access E&S Insurance Services

Coverages Excess Liab, Liability, Pollution Liab, Professional

Liab Carrier Status Non-admitted States AR, DC, DE, GA, IL, MD, NC, NJ, NY, OH, PA, SC, TN, TX, VA

Beacon Hill Associates

Coverages CGL, E&O, Environmental Liab, Pollution, Pollution Liab, Transportation Pollution Liab, Workers’ Comp States All States

Commercial Sector Insurance Brokers LLC

Coverages CGL, Commercial Excess, Contractors Equip, Environmental Liab, Misc Professional, Professional Liab, Umbrella Carrier Status Non-admitted States Most States

Freberg Environmental Inc.

Coverages CGL, E&O, Environmental Liab, EPLI, GL, Hired & Non-owned Auto, Pollution, Pollution Liab, Professional Liab, Transportation Pollution Liab, Umbrella

Carrier Status Non-admitted States All States

PartnerOne Environmental

Coverages CGL, E&O, Pollution

Carrier Status Non-admitted States All States

Quaker Special Risk, a Jencap Company (New Jersey)

Coverages GL, Liability, Pollution Liab, Professional Liab,

Umbrella Carrier Status Non-admitted States Most States

Quirk & Company

Coverages CGL, D&O, E&O, Environmental Liability, Equipment, Excess Flood, Excess Liab, Flood, Kidnap/ Ransom, Pollution Liability, Professional Liability, Property

Carrier Status Non-admitted States LA, OK, OR, TX, WA

Victor Insurance Managers LLC

Coverages Business Interruption, Cyber Liab, E&O, Liability, Pollution, Pollution Liab, Professional Liab

Carrier Status Admitted, Non-admitted States All States

Contractors

Amwins - 150+ Locations Worldwide Coverages Equipment, Excess Liab, GL, Umbrella Carrier Status Admitted, Non-admitted States All States Anderson & Murison Inc.

Coverages Business Income, Contractors Equip, Equipment Breakdown, GL, Inland Marine, Professional Liab, Property, Real & Business Personal Prop Carrier Status Admitted, Non-admitted States All States

Applied Underwriters Inc.

Coverages Builders Risk, Commercial Excess, Workers’

Breckenridge Insurance

Coverages Auto Comm-Standard, Crime, Excess Liab, GL, Inland Marine, Property, Workers’ Comp Carrier Status Admitted States AL, AZ, CA, DE, GA, ID, LA, MD, MS, NC, NM, NV, OR, PA, SC, TN, TX, VA, WA, WY

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

Coverages Auto Comm-Nonstandard, Auto Comm-Standard, Builders Risk, CGL, COC, Contractors Equip, Excess Liab, GL, Inland Marine, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except AK, FL, HI, MD, NY, VT

CID Insurance Programs Inc.

Coverages Blanket Addt’l Insureds, Contractors Equip, Crime, Equipment Breakdown, Excess Liab, Inland Marine, Medical Payments, Pollution Liab, Professional Liab, Property Carrier Status Admitted, Non-admitted States AZ, CA, CO, MD, NM, NV, OR, TN, TX, UT, VA, WA

Greenwood General Insurance Agency

Coverages GL, Insurance Broker Bonds States AZ, CA, OR, TX, WA

Gridiron Insurance Underwriters Inc.

Coverages Excess Liab, GL Carrier Status Non-admitted States NJ, NY

J.E. Brown & Associates

Coverages Cyber Liab, D&O, E&O, EPLI States AZ, CA, CO, NV, OR, TX, UT, WA

JC Wilson Consulting Inc.

Coverages Boiler & Machinery, Equipment Breakdown, Product Extended Warranty, Service Contracts, Warranties, Extended Carrier Status Admitted States All States

National Elevator Ins. Solutions / HUB International

Coverages Auto Comm-Standard, GL, Installation Floaters, OCP, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States except HI

National Indemnity Company

Coverages Auto Comm-Nonstandard, Auto CommNonstandard Phys Dmg, Liability, Medical Payments, Products Liab, Uninsured Motorists Carrier Status Admitted, Non-admitted States All States except HI, MA, NJ, NY

NeitClem Wholesale Insurance Brokerage Inc.

Coverages Blanket Addt’l Insureds, Completed Operations Liab, Contractors Equip, Excess Liab, Hired & Non-owned Auto, Liability, Medical Payments, Pollution, Pollution Liab, Professional Liab, Residential `wrap-up`, Tools & Equip, Umbrella Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX

Omaha National Coverages Workers’ Comp Carrier Status Admitted States AZ, CA, CT, GA, IA, IL, NC, NE, NJ, NY, PA, SC

Oryx Insurance Brokerage Inc.

Coverages Auto Comm-Standard, GL, Umbrella, Workers’ Compensation Carrier Status Admitted States CT, DE, MD, NJ, NY, PA, VT

PEO Brokers Group

Coverages WC - Master Policies/ASO, Workers’ Comp, Workers’ Comp Plus (Alternative) States All States

Philadelphia Insurance Companies

Coverages Commercial Auto, Boiler & Machinery, Business Income, Care/Custody/Control, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Legal Expense Ins, Personal Property, Professional Liab, Protection & Indemnity (P&I), Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA

Professional Underwriters Agency (PUA)

Coverages Pollution Liab, Professional Liab States All States

Quantum Specialty Group

Coverages Blanket Addt’l Insureds, CGL, Excess Auto, Excess Liab Carrier Status Admitted, Non-admitted States All States

REInsurePro

Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Completed Operations Liab, Contractors Equip, Contractors License Bonds, Excess Liab, Inland Marine, Pollution Liab, Products Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except NJ, NY Roush Insurance Services Inc.

Coverages Auto Comm-Standard, Blanket Addt'l Insureds, Blanket Waivers, Boiler & Machinery, Builders Risk, Business Income & Interruption, CGL, Commercial Excess, Completed Operations, Contractors Equip, Bonds, Crime, D&O, E&O, Environmental Liab, EPLI, Equipment, Excess, Fire, GL, Herbicide & Pesticide, HNOA, Inland Marine, Installation Floaters, Liability, Mechanical Breakdown, OCP, Pollution, Pool & Spa Liab, Portable Equip, Property, Real & Business

Personal Prop, Theft, Tools & Equip, Vacant Building

Carrier Status Non-admitted States IL, IN, OH

Shield Commercial Insurance Services

Coverages Excess Liab, GL, Inland Marine, Pollution, Professional Liab, Workers’ Comp

Carrier Status Non-admitted States Most States

Skyward Specialty Insurance

Coverages Care/Custody/Control, CGL, Commercial Excess, Completed Operations Liab, Contractors Equip, Equipment, Equipment Breakdown, Excess Liab, GL, Inland Marine, Installation Floaters, Liability, Pollution, Property, Railroad

Protective Liab, Tools & Equip, Workers’ Comp

Carrier Status Admitted, Non-admitted States All States except CA, NY

StateFund First, a Div of Arthur J Gallagher Ins Brokers of CA

Coverages Workers’ Comp, Workers’ Comp Plus (Alternative)

Carrier Status Admitted States CA

TAPCO Underwriters Inc.

Coverages Blanket Addt’l Insureds, GL, Products Liab, Property Carrier Status Non-admitted States Most States

The McGowan Companies

Coverages Commercial Excess, Excess Liab, Umbrella States All States

Union General Insurance Services Inc.

Coverages Equipment, GL, Inland Marine

Carrier Status Admitted, Non-admitted States AZ, CA, ID, MT, NM, NV, OR, TX, UT, WA

Virtue Risk Partners LLC

Coverages Auto Comm-Standard, CGL, Commercial Excess, E&O, Environmental Liab, Workers’ Comp

Carrier Status Non-admitted States All States

Walter General Agency (WGA)

Coverages Auto Comm-Nonstandard, Auto CommStandard, Blanket Addt’l Insureds, Blanket Waivers, Builders Risk, Business Income, Business Interruption, CGL, Commercial Excess, Completed Operations Liability, Contractors Equipment, Difference in Conditions, Equipment Breakdown, Excess Liability, Fire, Inland Marine, Installation Floaters, Liability, Medical Payments, OCP, Property, Tools & Equip, Umbrella Carrier Status Non-admitted States AR, IA, IL, IN, KS, KY, MO, OK, TN

XPT

Coverages Blanket Addt’l Insureds, Builders Risk, CGL, COC, Completed Operations Liab, Contractors Equip, Fire Legal Liab, Medical Payments, New Occurrence, Pollution Liab, Tools & Equip Carrier Status Admitted, Non-admitted States All States

Contractors-Air Conditioning

Breckenridge Insurance

Coverages Auto Comm-Standard, Crime, Excess Liab, GL, Inland Marine, Property States All States except CO, NY

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

Coverages Auto Comm-Nonstandard, Auto Comm-Standard, Builders Risk, CGL, COC, Contractors Equipment, Excess Liability, GL, Inland Marine, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except AK, FL, HI, MD, NY, VT

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:

Frank Winston Crum Insurance

Coverages Excess Liab, GL, Workers’ Comp

Carrier Status Admitted States Most States

Legacy Employer Concepts LLC

Coverages EPLI, Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted, Non-admitted States All States

Norman-Spencer Agency LLC

Coverages GL, Inland Marine, Property, Umbrella, Workers’ Comp Carrier Status Non-admitted States All States

Omaha National Coverages Workers’ Comp Carrier Status Admitted States AZ, CA, CT, GA, IA, IL, NC, NE, NJ, NY, PA, SC

Oryx Insurance Brokerage Inc.

Coverages Auto Comm-Standard, GL, Umbrella, Workers’ Comp Carrier Admitted States CT, DE, MD, NJ, NY, PA, VT

REInsurePro

Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Completed Operations Liab, Contractors Equip, Contractors

License Bonds, Excess Liab, Inland Marine, Pollution Liab, Products Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except NJ, NY

Shield Commercial Insurance Services

Coverages Excess Liab, GL, Inland Marine, Pollution, Professional Liab, Workers’ Comp Carrier Status Non-admitted States Most States

Contractors-Alarm

Arrowhead General Insurance Agency Inc.

Coverages E&O, GL Carrier Status Admitted States All States Brownyard Group

Coverages Assault & Battery, Auto Comm-Standard, Blanket Addt’l Insureds, Care/Custody/Control, CGL, Commercial Excess, Crime, E&O, Fidelity, Fire Legal Liab, GL, Inland Marine, Liability, Lost Key, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States except AK, NE

Frank Winston Crum Insurance

Coverages Excess

FTP of California

Coverages CGL, Inland Marine Carrier Status Non-admitted States CA

GMI Insurance Services

Coverages Commercial Auto, Cargo, GL, Hired & Non-owned Auto, Liability, Medical Payments, Theft, Truck Auto Liab, Uninsured Motorists, Workers’ Comp

Carrier Status Admitted, Non-admitted

States All States except DC, MA, NY, VA

Greenwood General Insurance Agency

Coverages Blanket Addt’l Insureds, CGL, Commercial Excess, Contractors License Bonds, E&O, GL

Carrier Status Non-admitted States AZ, CA, OR, TX, WA

Integrated Underwriters ®

Coverages Workers’ Comp, Workers’ Comp Plus (Alternative)

Carrier Status Admitted, Non-admitted States Most States

IPC Coverages CGL, Contractors Equip, GL, Property Carrier Status Non-admitted States AR, AZ, CA, IA, ID, KS, LA, MN, MO, MT, ND, NE, NM, NV, OK, OR, SD, TX, UT, WA, WY

JM Wilson

Coverages Builders Risk, Business Income, Crime, Cyber Liab, E&O, EPLI, Equipment Breakdown, Excess Liab, Foreign GL, GL, Inland Marine, OCP, Pollution Liab, Professional Liab, Property, Railroad Protective Liab, Umbrella, Workers’ Comp

Carrier Status Admitted, Non-admitted States All States except AK, HI, NY

Legacy Employer Concepts LLC

Coverages EPLI, Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted, Non-admitted States All States

Logic Underwriters Inc.

Coverages GL, Umbrella, Workers’ Comp

Carrier Status Non-admitted States TX

M.J. Hall & Company Inc.

Coverages CGL, Contractors Equip, Employee Benefits, EPLI, Pollution Liab, Property Carrier Status Admitted, Non-admitted States AK, AZ, CA, CO, HI, ID, KS, MT, NE, NM, NV, OK, OR, SD, TX, UT, WA, WY MiniCo Insurance Agency, a Jencap Company

Coverages Commercial Auto, Blanket Addt’l Insureds, Builders Risk, CGL, Contractors Equip, Crime, Property, Tools & Equip Carrier Status Admitted, Non-admitted States AZ, CA, NV

Monarch E&S Insurance Services

Coverages GL, Inland Marine Carrier Status Non-admitted States All States

Norman-Spencer Agency LLC

Inland Marine, Pollution Liab, Products Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except NJ, NY

Ryan Specialty National Programs

Coverages Auto Comm-Nonstandard, Care/Custody/Control, Crime, E&O, Excess Liab, GL, Inland Marine, Lost Key, Professional Liab, Property, Umbrella, Workers’ Comp

Carrier Status Admitted, Non-admitted States All States

The Mechanic Group, a Div of Specialty Programs Group

Coverages CGL, Commercial Excess, Contractors License Bonds, D&O, E&O, EPLI, Liability, Umbrella, Workers’ Comp

Carrier Status Non-admitted States All States

Contractors-Artisan

AllComp Solutions

Coverages Workers’ Comp, Workers’ Comp Plus (Alternative)

Carrier Status Admitted States All States

Apollo General Ins. Agency Inc.

Coverages Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, Blanket Waivers, CGL, Commercial Excess, Contractors Equip, Contractors License Bonds, EPLI, Equipment, Excess Liab, Fire, Pollution Carrier Status Nonadmitted States All States except AK, HI

Breckenridge Insurance

Coverages Auto Comm-Standard, Crime, Excess Liability, GL, Inland Marine, Property, Workers’ Compensation

Carrier Status Admitted States AL, AZ, CA, DE, GA, ID, LA, MD, MS, NC, NM, NV, OR, PA, SC, TN, TX, VA, WA, WY

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

Coverages Auto Comm-Nonstandard, Auto Comm-Standard, Builders Risk, CGL, COC, Contractors Equip, Excess Liability, GL, Inland Marine, Property, Work Comp, Carrier Admitted, Non-admitted States All except AK, FL, HI, MD, NY, VT

Frank Winston Crum Insurance

Coverages Excess Liability, GL, Workers’ Comp

Carrier Status Admitted States Most States

Coverages Auto Comm-Standard Phys Dmg, GL, Property, Tools & Equip, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States Omaha National

Coverages Workers’ Comp Carrier Status Admitted States AZ, CA, CT, GA, IA, IL, NC, NE, NJ, NY, PA, SC

Oryx Insurance Brokerage Inc.

Coverages Auto Comm-Standard, GL, Umbrella, Workers’ Comp Carrier Status Admitted States CT, DE, MD, NJ, NY, PA, VT

Quaker Special Risk, a Jencap Company (New Jersey)

Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, EPLI Carrier Status Non-admitted States CT, DE, MA, MD, ME, NJ, NY, PA, RI, VT Quirk & Company

Coverages Commercial Excess, GL, Property

Carrier Status Non-admitted States AL, AR, AZ, LA, MO, ND, NM, OK, TN, TX, WA, WY

REInsurePro

Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Completed Operations Liab, Contractors Equip, Contractors License Bonds, Excess Liab, Inland Marine, Pollution Liab, Products Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except NJ, NY

Shelly, Middlebrooks & O’Leary Inc.

Coverages Business Income, Business Interruption, CGL, Contractors Equip, Crime, EPLI, Equipment, Excess Liab, Inland Marine, Installation Floaters Carrier Status Admitted, Non-admitted States FL, GA, NC, SC, TX

Shield Commercial Insurance Services

Coverages Excess Liab, GL, Inland Marine, Pollution, Professional Liab, Workers’ Comp

Carrier Status Non-admitted States Most States

Southwest Risk

Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Umbrella Carrier Status Non-admitted States All States

Sovereign Group Int’l Inc.

Coverages Builders Risk, CGL, Commercial Excess, Completed Operations Liability, Contractors Equip, EPLI, Fire, GL, Professional Liability, Property, Umbrella

Carrier Status Non-admitted States MA, NJ, NY

Target Managers Insurance Services

Coverages Auto Comm-Standard, Builders Risk, Contractors Equip, Contractors License Bonds, Environmental Liab, EPLI, Excess Liab, GL, Inland Marine, OCP, Professional Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

The McGowan Companies

Coverages Commercial Excess, Excess Liab, Umbrella States All States

Contractors-Crane & Rigging

Apollo General Ins. Agency Inc.

Coverages Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, CGL, Contractors Equip, Contractors License Bonds, Employee Benefits, Environmental Liab, Excess Liab, Fidelity, Fidelity Bonds, Inland Marine, On-Hook Cargo, Performance & Payment Bonds, Pollution, Property, Railroad Protective Liab, Real & Business Personal Prop, Stop-Gap, Tools & Equip, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except AK, HI

Ascinsure Specialty Risk

Coverages Auto Comm-Standard, Crime, Cyber Liab, GL, Inland Marine, Liability, Property, Umbrella, Workers’ Comp Carrier Status Non-admitted States All States

NBIS

Coverages Auto Comm-Standard, Auto Comm-Standard Phys Dmg, Bailee/Customer Goods, Blanket Addt’l Insureds, Blanket Waivers, Care/Custody/Control, CGL, Commercial Excess, Contractors Equip, Excess Liab, Hired & Non-owned Auto, Inland Marine, Liability, Physical Damage, Physical Damage Rental Units, Real & Business Personal Prop, Tools & Equip, Truck Auto Liab, Umbrella Carrier Status Admitted, Non-admitted States All States

Contractors-Demolition

Apollo General Ins. Agency Inc.

Coverages Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, CGL, Contractors Equip, Contractors License Bonds, Employee Benefits, Environmental Liab, EPLI, Equipment, Excess Liab, Fidelity, Fidelity Bonds, Inland Marine, Performance & Payment Bonds, Pollution, Property, Railroad Protective Liab, Real & Business Personal Prop, StopGap, Tools & Equip, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Beacon Hill Associates

Coverages CGL, E&O, Environmental Liab, Pollution, Pollution Liab, Transportation Pollution Liab, Workers’ Comp States All States

Jencap Specialty Insurance Services (Environmental)

Coverages Pollution, Pollution Liab

Carrier Status Non-admitted States All States

Norman-Spencer Agency LLC

Coverages Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, Excess Liab, GL, Property, Tools & Equip

Carrier Status Admitted, Non-admitted

States All States except NY

PartnerOne Environmental

Coverages CGL, E&O, Environmental Liab, Pollution, Pollution Liab, Transportation Pollution Liab, Workers’ Comp States All States

Contractors-Electrical

Breckenridge Insurance

Coverages Auto Comm-Nonstandard, Crime, Excess Liab, GL, Inland Marine, Property States All States except CO, NY

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

Coverages Auto Comm-Nonstandard, Auto Comm-Standard, Builders Risk, CGL, COC, Contractors Equip, Excess Liab, GL, Inland Marine, Property, Workers’ Comp

Carrier Status Admitted, Non-admitted States All States except AK, FL, HI, MD, NY, VT

Frank Winston Crum Insurance

Coverages Excess Liab, GL, Workers’ Comp

Carrier Status Admitted States Most States

Integrated Underwriters ®

Coverages Workers’ Comp, Workers’ Comp Plus (Alternative)

Carrier Status Admitted, Non-admitted States Most States

Legacy Employer Concepts LLC

Coverages EPLI, Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted, Non-admitted States All States

Products Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except NJ, NY

Shield Commercial Insurance Services

Coverages Excess Liab, GL, Inland Marine, Pollution, Professional Liability, Workers’ Compensation

Carrier Status Non-admitted States Most States

Contractors-Elevators

National Elevator Insurance Solutions / HUB International

Coverages Auto Comm-Standard, GL, Installation Floaters, OCP, Property, Umbrella, Workers’ Comp

Carrier Status Admitted States All States except HI

Contractors-Environmental

Amwins - 150+ Locations Worldwide

Coverages GL, Pollution Liab, Professional Liability

Carrier Status Admitted, Non-admitted States All States

Beacon Hill Associates

Coverages CGL, E&O, Environmental Liab, Pollution, Pollution Liab, Transportation Pollution Liab, Workers’ Comp States All States

Jencap Specialty Insurance Services (Environmental)

Coverages Auto Comm-Standard, GL, Pollution, Pollution Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

PartnerOne Environmental

Coverages CGL, E&O, Pollution Carrier Status Non-admitted States All States

Philadelphia Insurance Companies

Coverages Commercial Auto, Boiler & Machinery, Business Income, Care/Custody/Control, CGL, Crime, D&O, Employee

Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Legal Expense Ins, Personal Property, Professional Liab, Protection & Indemnity (P&I), Umbrella, Uninsured Motorists

Carrier Status Admitted States All States except LA

Quaker Special Risk, a Jencap Company (New Jersey)

Coverages CGL, GL, Liability, Pollution, Pollution Liab, Professional Liab, Umbrella Carrier Status Non-admitted States Most States

Quirk & Company

Coverages CGL, Contractors Equip, D&O, E&O, Environmental Liab, Equipment, Excess Flood, Excess Liab, Flood, Kidnap/Ransom, Pollution Liab, Professional Liab, Property Carrier Status Non-admitted States LA, OK, OR, TX, WA

Virtue Risk Partners LLC

Coverages Auto Comm-Standard, CGL, Commercial Excess, E&O, Environmental Liab, Workers’ Comp

Carrier Status Non-admitted States All States

Contractors-Excavating/Grading

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

Coverages Auto Comm-Nonstandard, Auto Comm-Standard, CGL, COC, Contractors Equip, Excess Liab, GL, Inland Marine, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except AK, FL, HI, MD, NY, VT

Integrated Underwriters ®

Coverages Workers’ Comp, Workers’ Comp Plus (Alternative)

Carrier Status Admitted, Non-admitted States Most States

Legacy Employer Concepts LLC

Coverages EPLI, Workers’ Comp, Workers’ Comp Plus

(Alternative) Carrier Status Admitted, Non-admitted States All States

NeitClem Wholesale Insurance Brokerage Inc.

Coverages Blanket Addt’l Insureds, Completed Operations

Liab, Contractors Equip, Excess Liab, Hired & Non-owned

Auto, Liability, Medical Payments, Pollution, Pollution Liab, Professional Liab, Residential `wrap-up`, Tools & Equip,

Umbrella Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX

Omaha National

Coverages Workers’ Comp Carrier Status Admitted States AZ, CA, CT, GA, IA, IL, NC, NE, NJ, NY, PA, SC

Oryx Insurance Brokerage Inc.

Coverages Auto Comm-Standard, GL, Umbrella, Workers’ Compensation Carrier Status Admitted States CT, DE, MD, NJ, NY, PA, VT

Contractors-Fire & Water Restoration

Beacon Hill Associates

Coverages CGL, E&O, Environmental Liab, Pollution, Pollution Liab, Transportation Pollution Liab, Workers’ Comp States All States

Jencap Specialty Insurance Services (Environmental)

Coverages Pollution, Pollution Liab

Carrier Status Non-admitted States All States

Legacy Employer Concepts LLC

Coverages EPLI, Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted, Non-admitted States All States

PartnerOne Environmental

Coverages CGL, E&O, Environmental Liab, Pollution, Pollution Liab, Transportation Pollution Liab, Workers’ Comp States All States

Contractors-Fire Protection/Fire Sprinkler

Amwins - 150+ Locations Worldwide

Coverages GL, Pollution Liab, Professional Liab, Umbrella

Carrier Status Admitted States All States except AK, HI

RelMark Program Managers

Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, E&O, Environmental Liab, Excess Liab, OCP, Professional Liab Carrier Status Non-admitted States All States except AK, CO, HI

Ryan Specialty National Programs

Coverages Auto Comm-Nonstandard, Care/Custody/Control, Crime, E&O, Excess Liab, General Liability, Inland Marine, Professional Liability, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Contractors-General

Bass Underwriters

Coverages Blanket Addt’l Insureds, GL States All States

Breckenridge Insurance

Coverages Auto Comm-Standard, Crime, Excess Liab, GL, Inland Marine, Property States All States except CO, NY

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

Coverages Standard& Nonstandard Commercial Auto, Builders Risk, CGL, COC, Contractors Equip, Excess Liab, GL, Inland Marine, Property, Workers’ Comp Carrier Admitted, Non-admitted States All except AK, FL, HI, MD, NY, VT

FTP of California

Coverages Builders Risk, CGL, Inland Marine, Property

Carrier Status Non-admitted States All States

Greenwood General Insurance Agency

Coverages CGL, GL States AZ, CA, OR, TX, WA

Hull & Company

Coverages Auto Comm-Nonstandard, Auto CommNonstandard Phys Dmg, CGL Carrier Status Non-admitted States All States except DC

Integrated Underwriters ®

Coverages Workers’ Comp, Workers’ Comp Plus (Alternative)

Carrier Status Admitted, Non-admitted States Most States

Legacy Employer Concepts LLC

Coverages EPLI, Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted, Non-admitted States All States

Logic Underwriters Inc.

Coverages Builders Risk, Equipment, GL, Property

Carrier Status Admitted, Non-admitted States TX

M.J. Hall & Company Inc.

Coverages CGL, Contractors Equip, Excess Liab, Pollution Liab, Property Carrier Status Admitted, Non-admitted StatesNationwide with focus on AK, AZ, CA, HI, NV, OR, WA

MexiPass International Insurance Services LLC

Coverages Int’l Coverage - Commercial, Int’l CoveragePersonal Carrier Status Admitted States All States MiniCo Insurance Agency, a Jencap Company Coverages Auto Comm-Standard, CGL, Equipment Breakdown, Excess Liab, GL, Tools & Equip Carrier Status Admitted, Non-admitted States NY Mission Underwriting Managers LLC

Coverages GL, Property Carrier Status Admitted, Non-admitted States All States Monarch E&S Insurance Services Coverages Blanket Addt’l Insureds, CGL Carrier Status Non-admitted States All States Omaha National

Oryx Insurance Brokerage Inc.

Coverages Auto Comm-Standard, GL, Umbrella, Workers’

Compensation Carrier Status Admitted States CT, DE, MD, NJ, NY, PA, VT

PartnerOne Environmental

Coverages E&O, Environmental Liab, Pollution, Pollution Liab, Transportation Pollution Liab States All States

Philadelphia Insurance Companies

Coverages Commercial Auto, Boiler & Machinery, Business Income, Care/Custody/Control, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Legal Expense Ins, Personal Property, Professional Liab, Protection & Indemnity (P&I), Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA

Quaker Special Risk, a Jencap Company (Florida)

Coverages Blanket Addt’l Insureds, Blanket Waivers, Builders Risk, CGL, Contractors Equip, GL, Liability, Pollution Liab, Umbrella Carrier Status Non-admitted States Most States

Quaker Special Risk, a Jencap Company (Mass.)

Coverages Blanket Addt’l Insureds, Blanket Waivers, Builders Risk, CGL, Contractors Equip, GL, Liability, Pollution Liab, Umbrella Carrier Status Non-admitted States Most States

Quaker Special Risk, a Jencap Company (New Jersey)

Coverages Blanket Addt’l Insureds, Blanket Waivers, Builders Risk, CGL, Contractors Equip, GL, Liability, Pollution Liab, Umbrella Carrier Status Non-admitted States Most States

Quirk & Company

Coverages CGL, Contractors Equip, D&O, E&O, Environmental Liab, Equipment, Excess Flood, Excess Liab, Flood, Kidnap/Ransom, Pollution Liab, Professional Liab, Property Carrier Status Non-admitted States LA, OK, OR, TN, TX, WA

REInsurePro

Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Completed Operations Liab, Contractors Equip, Contractors License Bonds, Excess Liab, Inland Marine, Pollution Liab, Products Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except NJ, NY

Shield Commercial Insurance Services

Coverages Excess Liab, GL, Inland Marine, Pollution, Professional Liability, Workers’ Compensation

Carrier Status Non-admitted States Most States

Southwest Risk Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Umbrella Carrier Status Non-admitted States All States

The McGowan Companies Coverages Commercial Excess, Excess Liab, Umbrella States All States

Union General Insurance Services Inc.

Coverages Blanket Addt’l Insureds, Blanket Waivers, Builders Risk, CGL, Commercial Excess, Completed Operations Liab, Contractors Equip, Equipment, Equipment Breakdown, Excess Liab, Pollution, Pollution Liab, Property, Tools & Equip, Umbrella Carrier Status Non-admitted States AZ, CA, ID, MT, NM, NV, OR, TX, UT, WA

Wrap Up Insurance Solutions

Coverages GL, Residential `wrap-up` States All States

Contractors-Landscape

Applied Underwriters Inc.

Coverages Pollution Liab, Property, Workers’ Comp States All States

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

Coverages Auto Comm-Nonstandard, Auto Comm-Standard, Builders Risk, CGL, COC, Contractors Equip, Excess Liab, GL, Inland Marine, Property, Workers’ Compensation

Carrier Status Admitted, Non-admitted States All States except AK, FL, HI, MD, NY, VT

Frank Winston Crum Insurance

Coverages Excess Liab, GL, Workers’ Comp

Carrier Status Admitted States Most States

MiniCo Insurance Agency, a Jencap Company

Coverages Commercial Auto, CGL, GL, Herbicide & Pesticide, Inland Marine, Property, Workers’ Comp

Carrier Status Admitted, Non-admitted States All States

Omaha National

Coverages Workers’ Comp Carrier Status Admitted States AZ, CA, CT, GA, IA, IL, NC, NE, NJ, NY, PA, SC Oryx Insurance Brokerage Inc.

Coverages Auto Comm-Standard, GL, Umbrella, Workers’ Comp Carrier Status Admitted States CT, DE, MD, NJ, NY, PA, VT

REInsurePro

Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Completed Operations Liab, Contractors Equip, Contractors

License Bonds, Excess Liab, Inland Marine, Pollution Liab, Products Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except NJ, NY

Shield Commercial Insurance Services

Coverages Excess Liab, GL, Inland Marine, Pollution, Professional Liab, Workers’ Comp

Carrier Status Non-admitted States Most States

StateFund First, a Div of Arthur J Gallagher Ins Brokers of CA

Coverages Workers’ Comp, Workers’ Comp Plus (Alternative)

Carrier Status Admitted States CA

Contractors-Marine

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

Coverages Auto Comm-Standard, GL Carrier Status

Admitted States All States except AL, KS, LA, MS, TX, WI

JM Wilson

Coverages CGL, GL, Inland Marine, Marina Operators Legal, Property, Protection & Indemnity (P&I), Tools & Equip

Carrier Status Admitted, Non-admitted States All States except AK, HI, NY

LIG Marine Managers

Coverages CGL, Contractors Equip, Equipment, Federal

LHWCA, Foreign GL, Hull, Int’l Coverage - Commercial, Pollution Liab, Products Liab, Protection & Indemnity (P&I), Ship Repairers Legal, Tools & Equip, Umbrella, USL&H, Wet Marine, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

The American Equity Underwriters Inc.

Coverages MEL, USL&H, Workers’ Comp States All States

The Hanover Insurance Group

Coverages Builders Risk, Contractors Equip, Installation Floaters, Property Carrier Status Admitted States All States

Contractors-Oil & Gas

Quirk & Company

Coverages CGL, Contractors Equip, Control of Well, D&O, E&O, Environmental Liab, Equipment, Excess Flood, Excess Liab, Flood, Kidnap/Ransom, Pollution Liab, Professional Liab, Property States LA, OK, OR, TX, WA

Southwest Risk

Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Umbrella Carrier Status Non-admitted States All States

U.S. Risk LLC

Coverages GL, Property Carrier Status Non-admitted States All States

Western Surplus Lines Agency Inc.

Coverages Blanket Addt’l Insureds, Blanket Waivers, Cargo, CGL, Control of Well, Hired & Non-owned Auto, Inland Marine, Medical Payments, Pollution Liab, Professional Liab, Rented Property, Tools & Equip Carrier Status Non-admitted States LA, ND, NM, OK, TX

Contractors-Plumbing

Breckenridge Insurance

Coverages Auto Comm-Standard, Crime, Excess Liab, GL, Inland Marine, Property States All States except CO, NY

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

Coverages GL, Workers’ Comp States All States except AK, DC, HI, NY

Integrated Underwriters ®

Coverages Workers’ Comp, Workers’ Comp Plus (Alternative)

Carrier Status Admitted, Non-admitted States Most States

Norman-Spencer Agency LLC

Coverages GL, Inland Marine, Property, Umbrella

Carrier Status Admitted, Non-admitted States All States

Omaha National

Coverages Workers’ Comp Carrier Status Admitted States AZ, CA, CT, GA, IA, IL, NC, NE, NJ, NY, PA, SC

Oryx Insurance Brokerage Inc.

Coverages Auto Comm-Standard, GL, Umbrella, Workers’ Comp Carrier Status Admitted States CT, DE, MD, NJ, NY, PA, VT

REInsurePro

Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Completed Operations Liab, Contractors Equip, Contractors

License Bonds, Excess Liab, Inland Marine, Pollution Liab, Products Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except NJ, NY

Shield Commercial Insurance Services

Coverages Excess Liab, GL, Inland Marine, Pollution, Professional Liability, Workers’ Comp

Carrier Status Non-admitted States Most States

Contractors-Roofing

Amwins - 150+ Locations Worldwide

Coverages GL, Medical Payments, Umbrella

Carrier Status Admitted States All States except AK, HI

Hull & Company

Coverages Auto Comm-Nonstandard, Auto CommNonstandard Phys Dmg, CGL, Contractors Equip

Carrier Status Non-admitted States All States except DC

Integrated Underwriters ®

Coverages Workers’ Comp, Workers’ Comp Plus (Alternative)

Carrier Status Admitted, Non-admitted States Most States

Legacy Employer Concepts LLC

Coverages EPLI, Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted, Non-admitted States All States

MexiPass International Insurance Services LLC

Coverages Int’l Coverage - Commercial, Int’l CoveragePersonal Carrier Status Admitted States All States

NeitClem Wholesale Insurance Brokerage Inc.

Coverages Blanket Addt’l Insureds, Completed Operations Liab, Contractors Equip, Excess Liab, Hired & Non-owned Auto, Liability, Medical Payments, Pollution, Pollution Liab, Professional Liab, Residential `wrap-up`, Tools & Equip, Umbrella Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX

Norman-Spencer Agency LLC

Coverages Auto Comm-Standard, Excess Liab, GL, Tools & Equip Carrier Status Admitted, Non-admitted States All States

Norman-Spencer International Inc.

Coverages E&O, Professional Liab Carrier Status Admitted, Non-admitted States All States

Quaker Special Risk, a Jencap Company (Florida)

Coverages CGL, GL, Liability, Umbrella

Carrier Status Non-admitted States Most States

Quaker Special Risk, a Jencap Company (Mass.)

Coverages CGL, GL, Liability, Umbrella

Carrier Status Non-admitted States Most States

Quaker Special Risk, a Jencap Company (New Jersey)

Coverages CGL, GL, Liability, Umbrella

Carrier Status Non-admitted States Most States

REInsurePro

Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Completed Operations Liab, Contractors Equip, Products Liab

Carrier Status Non-admitted States IN, MO, OH, PA, TX

Shield Commercial Insurance Services

Coverages Excess Liab, GL, Inland Marine, Pollution, Professional Liab, Workers’ Comp

Carrier Status Non-admitted States Most States

Southwest Risk

Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Umbrella Carrier Status Non-admitted States All States

StateFund First, a Div of Arthur J Gallagher Ins Brokers of CA

Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) States CA

Contractors-Service

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

Coverages Auto Comm-Nonstandard, Auto Comm-Standard, Builders Risk, CGL, COC, Contractors Equip, Excess Liab, GL, Inland Marine, Property, Work Comp Carrier Admitted, Non-admitted States All States except AK, FL, HI, MD, NY, VT

Frank Winston Crum Insurance

Coverages Excess Liab, GL, Workers’ Comp

Carrier Status Admitted States Most States

JC Wilson Consulting Inc.

Coverages Boiler & Machinery, Equipment Breakdown, Product Extended Warranty, Service Contracts, Warranties, Extended Carrier Status Admitted States All States

Oryx Insurance Brokerage Inc.

Coverages Auto Comm-Standard, GL, Umbrella, Workers’ Comp Carrier Status Admitted States CT, DE, IL, MD, NJ, NY, PA, VT, WV

REInsurePro

Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Completed Operations Liab, Contractors Equip, Contractors License Bonds, Excess Liab, Inland Marine, Pollution Liab, Products Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except NJ, NY

Ryan Specialty National Programs

Coverages Assault & Battery, Auto Comm-Nonstandard, Care/ Custody/Control, Crime, E&O, Excess Liab, GL, Inland Marine, Lost Key, Professional Liab, Property, Umbrella, Work Comp Carrier Status Admitted, Non-admitted States All States

Shield Commercial Insurance Services

Coverages Excess Liab, GL, Inland Marine, Pollution, Professional Liability, Workers’ Compensation

Carrier Status Non-admitted States Most States

Contractors-Swimming Pools

Frank Winston Crum Insurance

Coverages Excess Liab, GL, Workers’ Comp

Carrier Status Admitted States Most States

M.J. Hall & Company Inc.

Coverages CGL, Contractors Equip, Excess Liab, Property

Carrier Status Admitted, Non-admitted States AK, AZ, CA, CO, HI, ID, KS, MT, NE, NM, NV, OK, OR, SD, TX, UT, WA, WY

Omaha National

Coverages Workers’ Comp Carrier Status Admitted States AZ, CA, CT, GA, IA, IL, NC, NE, NJ, NY, PA, SC

Shield Commercial Insurance Services

Coverages Excess Liab, GL, Inland Marine, Pollution, Professional Liability, Workers’ Compensation

Carrier Status Non-admitted States Most States

Contractors-Underground Storage Tanks

AAU, A division of USG Insurance Services

Coverages Auto Comm-Standard, Auto Comm-Standard Phys

Dmg, Contractors Equip, Environmental Liab, GL, Inland

Marine, Motor Truck Cargo, Pollution, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Freberg Environmental Inc.

Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Commercial Excess, E&O, Environmental Liab, EPLI, GL, Hired & Non-owned Auto, Pollution, Pollution Liab, Professional Liab, Transportation Pollution Liab

Carrier Status Non-admitted States All States

Jencap Specialty Insurance Services (Environmental)

Coverages Pollution, Pollution Liability

Carrier Status Non-admitted States All States

Convenience Stores

Business Alliance Insurance Company

Coverages BOP, Cyber Liab, EPLI, Equipment Breakdown, Liquor Liab Carrier Status Admitted States CA

Covenant Underwriters

Coverages Crime, Cyber Liab, Flood, GL, Pollution, Property

Carrier Status Non-admitted States All States except AK, HI

Gorst & Compass Insurance

Coverages Business Income, CGL, Glass, Property, Spoilage

Carrier Status Non-admitted States CA

Irving Weber Associates Inc. (IWA)

Coverages Auto Comm-Standard, Blanket Addt’l Insureds, Boiler & Machinery, Business Income, Business Interruption, CGL, Employee Benefits, EPLI, Equipment Breakdown, Fire, Fire Legal Liab, Food Spoilage, GL, Identity Theft, Liability, Liquor Liab, Mechanical Breakdown, Property, Real & Business Personal Prop, Spoilage, Umbrella, Workers’ Comp

Carrier Status Admitted States All except AK, DC, FL, HI

Izzo Insurance Services, A division of Hull & Company LLC

Coverages Blanket Waivers, Workers’ Comp

Carrier Status Admitted States All States

McLeckie Insurance Group

Coverages Business Income, Crime, EPLI, Equipment, Food Borne Illness, Liquor Liab, Property

Carrier Status Non-admitted States All States

TAPCO Underwriters Inc.

Coverages GL, Liquor Liab, Products Liab, Property

Carrier Status Non-admitted States Most States

UCA General Insurance Services Inc.

Coverages Business Income, CGL, Crime, Cyber Liab, EPLI, Equipment Breakdown, Fire Legal Liab, Medical Payments, Property, Umbrella Carrier Status Admitted States AZ, CA, ID, NV, OR, UT, WA

XPT

Coverages Business Interruption, CGL, Excess Liab, Fire, Fire Legal Liab, GL, Liability, Liquor Liab, Medical Payments, New Occurrence, Property Carrier Status Admitted, Non-admitted States All States

Cosmetic Manufacturers

Brownyard Group

Coverages Business Income, Business Interruption, CGL, Employee Benefits, Fire, Fire Legal Liab, GL, Glass, Inland Marine, Liability, Personal Property, Products Liab, Property, Workers’ Comp Carrier Status Non-admitted States All States except KS

Cosmetic Insurance Services, a division of EPIC Brokers

Coverages Commercial Auto, Boiler & Machinery, Crime, GL, Inland Marine, Products Liab, Property, Umbrella Carrier Status Admitted States All States

Euclid Life Science Specialty LLC

Coverages Commercial Excess, Completed Operations Liab, E&O, Excess Liab, GL, Liability, Products Liab, Professional Liab Carrier Status Non-admitted States All States Professional Program Ins. Brokerage, a Div of SPG Ins. Sol. Coverages Abuse & Molestation, Blanket Addt’l Insureds, CGL, Commercial Excess, Cyber Liab, Misc Professional Liab, Products Liab, Property Carrier Status Non-admitted States All States

Counselors/Counseling Centers

Affinity Nonprofits

Coverages Abuse & Molestation, Auto Comm-Standard, Auto Comm-Standard Liability, Crime, Cyber Liab, D&O, EPLI, Excess Liab, Fiduciary Liab, GL, Inland Marine, Nonprofit D&O, Professional Liab, Property Carrier Status Admitted States All States

Care Providers Insurance Services

Coverages Abuse & Molestation, Accident & Health, Auto Comm-Standard, Crime, D&O, EPLI, Excess Liab, GL, Inland Marine, Professional Liab, Property Carrier Status Admitted States All States

Charity First Insurance Services Inc.

Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, Boiler & Machinery, Business Income, CGL, Crime, Cyber Liab, EPLI, Equipment

Breakdown, Inland Marine, Int’l Coverage - Commercial, Liquor Liab, Nonprofit D&O, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States

Negley Associates

Coverages CGL, Professional Liability

Carrier Status Non-admitted States All States

Nonprofits Insurance Alliance

Coverages Abuse & Molestation, Auto Comm-Standard, Auto Comm-Standard Phys Dmg, Blanket Addt’l Insureds, Business Income, Business Interruption, CGL, Community/ Social Svcs, Crime, Developmental Disabilities, EPLI, Fiduciary Liab, Fire Legal Liab, Hired & Non-owned

Couriers

Jencap HNOA Program

Coverages Hired & Non-owned Auto Carrier Status Non-admitted States All States

National Indemnity Company

Coverages Auto Comm-Nonstandard, Auto CommNonstandard Phys Dmg, Liability, Medical Payments, Uninsured Motorists Carrier Status Admitted, Nonadmitted States All States except HI, MA, NJ, NY

Omaha National

Coverages Workers’ Comp Carrier Status Admitted States AZ, CA, CT, GA, IA, IL, NC, NE, NJ, NY, PA, SC

Parcel Insurance Plan

Coverages Cargo, Inland Marine Carrier Status Admitted States All States

Risk Strategies, Transportation Group

Coverages Auto Comm-Standard, Bailee/Customer Goods, Blanket Addt’l Insureds, Cargo, CGL, Crime, E&O, EPLI, Equipment, Fidelity, Hired & Non-owned Auto, Occupational Accident, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States

Crane, Scaffolding & Equipment Rental Dealers

Ascinsure Specialty Risk

Coverages Auto Comm-Standard, Crime, Cyber Liab, GL, Inland Marine, Liability, Property, Umbrella, Workers’ Comp Carrier Status Non-admitted States All States

Construction Insurance Services LLC

Coverages Excess Liab, GL Carrier Status Non-admitted States All States

RPS Signature Programs

Coverages Auto Comm-Standard, Crime, Equipment, Excess Liability, General Liability, Inland Marine, Workers’ Comp States All States

Western Surplus Lines Agency Inc.

Coverages CGL, Contractors Equip, Inland Marine

Carrier Status Non-admitted States LA, ND, NM, OK, TX

Crop Dusters/Sprayers

XPT

Coverages Excess Liab, GL, Professional Liab, Property

Carrier Status Non-admitted States All States

Dairies

Agricultural Insurance Mgmt Services

Coverages Equipment Breakdown, Homeowners Pkg, Identity Theft, Liability, Property, Tools & Equip

Carrier Status Admitted States Most States

Day Care/Preschools

Gorst & Compass Insurance

Coverages CGL, Property Carrier Status Non-admitted States CA

Markel

Coverages Abuse & Molestation, CGL, Crime, Cyber Liab, Inland Marine, Property, Student Accident, Umbrella, Workers’ Comp Carrier Status Admitted States All States except HI

Negley Associates

Coverages CGL, Professional Liability

Carrier Status Non-admitted States All States

Nonprofits Insurance Alliance

Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, Business Income, Business Interruption, CGL, Community/Social Svcs, Developmental Disabilities, EPLI, Fiduciary Liab, Fire Legal Liab, Hired & Non-owned Auto, Inland Marine, Liquor Liab, Mechanical Breakdown, Misc Professional Liab, Nonprofit D&O, Sexual Misconduct, Umbrella, Uninsured Motorists

Carrier Status Non-admitted States Most States

Philadelphia Insurance Companies

Coverages Abuse & Molestation, Auto Comm-Standard, Auto Comm-Standard Liability & Phys Dmg, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liability, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Participant Accident, Professional Liability, Property, Real & Business Personal Prop, Sexual Misconduct, Umbrella, Uninsured Motorists

Carrier Status Admitted States All States except LA

TAPCO Underwriters Inc.

Coverages Abuse & Molestation, Accessories, GL, Professional Liab, Property Carrier Status Non-admitted States Most States

Day Spas

Insurtec Tanning and Spa Insurance

Coverages Addt’l Expense, BOP, Business Income, Business Interruption, CGL, Crime, EPLI, Equipment Breakdown, Fire Legal Liab, Hired & Non-owned Auto, Misc Professional Liab, Professional Liability, Property, Tanning Liability

Carrier Status Non-admitted States All States except MO

Philadelphia Insurance Companies

Coverages Abuse & Molestation, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Boiler & Machinery, Business Income, CGL, Crime, Employee

Benefits, Equipment Breakdown, Fire Legal Liab, GL, Hired & Non-owned Auto, Inland Marine, Liquor Liab, Professional Liab, Property, Real & Business Personal Prop, Umbrella, Uninsured Motorists States All States except LA

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

Real & Business Personal Prop, Sexual Misconduct, Umbrella, Uninsured Motorists

Carrier Status Admitted States All States except LA Venture Insurance Programs

Coverages Auto Comm-Standard, Crime, Cyber Liab, D&O, GL, Inland Marine, Liquor Liab, Medical Malpractice, Professional Liab, Property, Real & Business Personal Prop, Sexual Misconduct, Umbrella States All States

Country Clubs

Philadelphia Insurance Companies

Coverages Abuse & Molestation, Commercial Auto, Boiler & Machinery, Business Income & Interruption, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown,

Fiduciary Liab, Fire Legal Liab, Food Spoilage, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Liquor

Liab, Participant Accident, Professional Liab, Property, Real & Business Personal Prop, Umbrella, Uninsured Motorists

Carrier Status Admitted States All States except LA

RPS Signature Programs

Coverages Accident & Health, Auto Comm-Standard, Crime, D&O, Earthquake, Employee Benefits, EPLI, Fiduciary Liab, Flood, Herbicide & Pesticide, Inland Marine, Liquor Liab, Pollution Liab, Property, Umbrella, Workers’ Comp States All States

Sports & Fitness Insurance Corporation (SFIC)

Coverages Accident & Health, Assault & Battery, Auto CommStandard, Boiler & Machinery, BOP, Builders Risk, Business Income, Business Interruption, CGL, Crime, Cyber Liab, D&O, EPLI, Equipment Breakdown, Flood, GL, Pool & Spa Liab, Professional Liab, Umbrella, Workers’ Comp

Carrier Status Admitted States All States

Venture Insurance Programs

Coverages D&O, E&O, EPLI, Excess Liab, GL, Herbicide & Pesticide, Liquor Liab, Pollution, Property, Tee-to-Green, Umbrella, Workers’ Comp Carrier Status Admitted States All States

Mark D. Fredricksen Insurance Services

Coverages CGL, Livestock/Animal Mortality, Property

Carrier Status Admitted States All States except AK, DC, FL, HI

Omaha National

Coverages Workers’ Comp Carrier Status Admitted States AZ, CA, CT, GA, IA, IL, NC, NE, NJ, NY, PA, SC

Dance Schools/Studios

K&K Insurance Group Inc.

Coverages Business Income, Crime, GL, Inland Marine, Liquor Liab, Property, Workers’ Comp

Carrier Status Admitted States All States

Markel

Coverages Accident & Health, Auto Comm-Standard, Business Income, Crime, Equipment Breakdown, GL, Inland Marine, Personal Property, Property, Umbrella

Carrier Status Admitted States All States except DC, HI

Sports & Fitness Insurance Corporation (SFIC)

Coverages GL, Property Carrier Status Admitted States All States

Sports & Wellness Insurance

Coverages Accident & Health, Crime, Cyber Liab, D&O, GL, Hired & Non-owned Auto, Inland Marine, Property, Umbrella States All States

www.insurancehelper.com

Coverages Abuse & Molestation, Blanket Addt’l Insureds, Blanket Waivers, CGL, Completed Operations Liab, GL, Hired & Non-owned Auto, Liability, Liquor Liab, Medical Payments, Participant Accident, Personal Liab, Products Liab, Trade Shows & Festivals Carrier Status Non-admitted States All States

Coverages Abuse & Molestation, Commercial Excess, Cyber Liab, Equipment Breakdown, GL, Products Liab, Professional Liab, Property Carrier Status Non-admitted States All States

SASSI - Salon & Spa Specialty Insurance

Coverages BOP, Business Income, Business Interruption, CGL, Fire, Fire Legal Liab, GL, Glass, Inland Marine, Liability, Medical Payments, Professional Liab, Property, Real & Business Personal Prop, Theft, Tools & Equip, Workers’ Comp Carrier Status Admitted States All States except AK, HI, VA, WA

Sports & Fitness Insurance Corporation (SFIC)

Coverages Accident & Health, Accidental Death, Auto Comm-Standard, Auto Comm-Standard Liability, BOP, EPLI, Fine Arts, Fire Legal Liab, Flood, Glass, Pool & Spa Liab, Professional Liability, Property, Umbrella

Carrier Status Admitted States All States

Universal Insurance Programs

Coverages Abuse & Molestation, Business Income, Business Interruption, CGL, Crime, E&O, Employee Benefits, EPLI, Equipment Breakdown, Excess Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Liability, Products Liab, Professional Liab, Property, Real & Business Personal Prop, Stop-Gap, Theft, Umbrella Carrier Status Admitted States All States

Venture Insurance Programs

Coverages Auto Comm-Standard, Crime, Cyber Liab, D&O, EPLI, GL, Liquor Liab, Professional Liab, Property, Umbrella Carrier Status Admitted States All States

Dealers-Propane

Amwins - 150+ Locations Worldwide

Coverages Auto Comm-Standard, Crime, Equipment Breakdown, Excess Liab, GL, Inland Marine, Property, Umbrella Carrier Status Admitted, Non-admitted States All States

Specialty Underwriters

Coverages Liability, Medical Malpractice, Professional Liab

Carrier Status Admitted, Non-admitted States All States except KS, NH, NY

Wedding Protector Plan

Coverages BOP, Builders Risk, Business Income, Business Interruption, Cyber Liab, EPLI, GL, Medical Malpractice, Professional Liab, Property, Workers’ Comp

Carrier Status Admitted States FL, GA, NC, SC, TN

Developmental Disability Facilities

Charity First Insurance Services Inc.

Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, Cyber Liab, GL, Misc Professional Liab, Real & Business Personal Prop, Umbrella, Workers’ Comp Carrier Status Admitted States All States

Irwin Siegel Agency

Coverages Abuse & Molestation, Commercial Auto, Boiler & Machinery, Business Income, Crime, Cyber Liab, D&O, Developmental Disabilities, Environmental Liab, EPLI, Excess Liab, Fire Legal Liab, GL, HNOA, Inland Marine, Medical & Physical Rehab, Medical Payments, Mental Health Care, Pollution Liab, Professional Liab, Property, Umbrella

Carrier Status Admitted, Non-admitted States All States

Negley Associates

Coverages CGL, Professional Liab

Carrier Status Non-admitted States All States

Nonprofits Insurance Alliance

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

Carrier Status Non-admitted States Most States

Philadelphia Insurance Companies

Coverages Abuse & Molestation, Commercial Auto, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment

Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Participant Accident, Professional Liab, Property, Real & Business

Personal Prop, Umbrella, Uninsured Motorists

Carrier Status Admitted States All States except LA

RPS Signature Programs

Coverages Abuse & Molestation, Auto Comm-Standard, CGL, Cyber Liab, Employee Benefits, EPLI, Excess Liab, Hired & Non-owned Auto, Nonprofit D&O, Professional Liab, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Dialysis Centers

Pro-Praxis Insurance

Coverages E&O, Professional Liab Carrier Status Admitted States All States

Quaker Special Risk, a Jencap Company (New Jersey)

Coverages CGL, GL, Liability, Professional Liab, Umbrella

Carrier Status Non-admitted States Most States

Distributors

Amwins - 150+ Locations Worldwide

Coverages GL, Legal Liab, Motor Truck Cargo, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Brownyard Group

Coverages Business Income, Business Interruption, CGL, Employee Benefits, Fire, Fire Legal Liab, GL, Glass, Inland Marine, Liability, Personal Property, Products Liab, Property, Workers’ Comp Carrier Status Non-admitted States All States except KS

Cosmetic Insurance Services, a division of EPIC Brokers

Coverages Commercial Auto, Boiler & Machinery, Crime, GL, Inland Marine, Products Liab, Property, Umbrella Carrier Status Admitted States All States

Euclid Life Science Specialty LLC

Coverages Commercial Excess, Completed Operations Liab, E&O, Excess Liab, GL, Liability, Products Liab, Professional Liab Carrier Status Non-admitted States All States

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

Coverages CGL, Equipment Breakdown, Firearms Liability, Inland Marine, Property, Umbrella Carrier Status Admitted States All States

MexiPass International Insurance Services LLC

Coverages Int’l Coverage - Commercial, Int’l CoveragePersonal Carrier Status Admitted States All States

PEO Brokers Group

Coverages WC - Master Policies/ASO, Workers’ Comp, Workers’ Comp Plus (Alternative) States All States

Professional Program Ins. Brokerage, a Div of SPG Ins. Sol. Coverages Blanket Addt’l Insureds, CGL, Commercial Excess, Cyber Liab, Products Liab, Property Carrier Status Non-admitted States All States

Quantum Specialty Group

Coverages Excess Auto, Excess Liab Carrier Status Admitted, Non-admitted States All States

Driving Ranges

McGowan Allied Specialty Insurance

Coverages Auto Comm-Standard, CGL, Crime, Equipment Breakdown, Excess Liab, Hired & Non-owned Auto, Inland Marine, Property, Workers’ Comp Carrier Status Admitted States All States

Philadelphia Insurance Companies

Coverages Commercial Auto, Boiler & Machinery, Business Income, Care/Custody/Control, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Legal Expense Ins, Participant Accident, Personal Property, Professional Liab, Protection & Indemnity (P&I), Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA

Dry Cleaners/Laundries

Irving Weber Associates Inc. (IWA)

Coverages Auto Comm-Standard, Bailee/Customer Goods, Blanket Addt’l Insureds, Boiler & Machinery, BOP, Business Income, Business Interruption, Care/Custody/Control, Damage in Process, Employee Benefits, Environmental Liab, EPLI, Equipment Breakdown, GL, Glass, Hired & Non-owned Auto, Identity Theft, Mechanical Breakdown, Mysterious Disappearance, Pollution, Pollution Liab, Property, Real & Business Personal Prop, Theft, Umbrella, Workers’ Comp Carrier Status Admitted States Most States

UCA General Insurance Services Inc.

Coverages Bailee/Customer Goods, Business Income, Business Interruption, CGL, Crime, Cyber Liab, Equipment Breakdown, Liability, Mechanical Breakdown, Property, Theft, Umbrella Carrier Status Admitted States AZ, CA, ID, NV, OR,

Philadelphia Insurance Companies

Coverages Commercial Auto, Boiler & Machinery, Business

Income, Care/Custody/Control, CGL, Crime, D&O, Employee

Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Participant

Accident, Personal Property, Professional Liab, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA

E-cigarette Manufacturers/Distributors

Professional Program Ins. Brokerage, a Div of SPG Ins. Sol. Coverages GL, Products Liab, Property

Carrier Status Non-admitted States All States

Emergency Service Org’s

Care Providers Insurance Services

Coverages Abuse & Molestation, Accident & Health, Auto

Comm-Standard, Crime, D&O, EPLI, Excess Liab, GL, Inland

Marine, Professional Liab, Property Carrier Status Admitted States All States

Pro-Praxis Insurance

Coverages E&O, Professional Liab Carrier Status Admitted States All States

Employee Leasing Firms

RPS Technology & Cyber

Coverages BOP, Breach of Security, Business Income, Business Interruption, CGL, Combo Personal & Commercial, Completed Operations Liab, Crime, Cyber Liab, D&O, E&O, Employee Benefits, EPLI, Excess Liab, Fidelity, Fidelity Bonds, Fiduciary Liab, Hired & Non-owned Auto, Liability, Media Liab, Products Liab, Professional Liab, Property, Technology E&O, Umbrella Carrier Status Admitted States All States except DC Ryan Specialty National Programs

Coverages Abuse & Molestation, Blanket Addt’l Insureds, Blanket Waivers, Care/Custody/Control, Crime, Employee Benefits, EPLI, Excess Liab, GL, Hired & Non-owned Auto, Professional Liab, Property, Stop-Gap, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Staffing Lines

Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States

World Wide Specialty, a Div of Philadelphia Ins. Co's Coverages Abusive Acts, Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, Care/Custody/Control, Crime, Cyber Liab, D&O, E&O, Employee Benefits, EPLI, Fidelity, Fidelity Bonds, GL, Hired & Non-owned Auto, Misc Professional Liab, Professional Liab, Property, Technology E&O, Umbrella, Workers’ Comp Carrier Status Admitted States All States

Employment Agencies

Philadelphia Insurance Companies

Coverages Commercial Auto, Boiler & Machinery, Business Income, Care/Custody/Control, CGL, Crime, D&O, Employee Benefits, EPLI, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Legal Expense Ins, Personal Property, Professional Liab, Protection & Indemnity (P&I), Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA

Professional Underwriters Agency (PUA)

Coverages E&O, Professional Liab Carrier Status Admitted, Non-admitted States All States

RPS Technology & Cyber

Coverages BOP, Breach of Security, Business Income, Business Interruption, CGL, Combo Personal & Commercial, Completed Operations Liab, Crime, Cyber Liab, D&O, E&O, Employee Benefits, EPLI, Excess Liab, Fidelity, Fidelity Bonds, Fiduciary Liab, Hired & Non-owned Auto, Liability, Media Liab, Products Liab, Professional Liab, Property, Technology E&O, Umbrella Carrier Status Admitted States All States except DC

Ryan Specialty National Programs

Coverages Abuse & Molestation, Blanket Addt’l Insureds, Blanket Waivers, Care/Custody/Control, Crime, Employee

Benefits, EPLI, Excess Liab, GL, Hired & Non-owned Auto, Professional Liab, Property, Stop-Gap, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Staffing Lines

Coverages Workers’ Comp, Workers’ Comp Plus (Alternative)

Carrier Status Admitted States All States

World Wide Specialty, a Div of Philadelphia Ins. Co's Coverages Abusive Acts, Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, Care/Custody/Control, Crime, Cyber Liab, D&O, E&O, Employee Benefits, EPLI, Fidelity, Fidelity Bonds, GL, HNOA, Misc Professional, Professional Liab, Property, Technology E&O, Umbrella, Workers’ Comp

Carrier Status Admitted States All States

Engineers-Environmental Access E&S Insurance Services

Coverages Excess Liab, Liability, Pollution Liab, Professional Liab Carrier Status Non-admitted States AR, DC, DE, GA, IL, MD, NC, NJ, NY, OH, PA, SC, TN, TX, VA

Beacon Hill Associates

Coverages CGL, E&O, Environmental Liab, Pollution, Pollution Liab, Transportation Pollution Liab, Workers’ Comp States All States

Commercial Sector Insurance Brokers LLC

Coverages CGL, E&O, Excess Liab, Misc Professional Liab, Pollution, Pollution Liab, Professional Liab, Umbrella

Status Non-admitted States Most States

Jencap Specialty Insurance Services (Environmental) Coverages Pollution, Pollution Liab

Ryan Specialty National Programs Coverages Pollution, Professional Liab

Status Admitted States All States except AK, LA, VT

Professional Programs Coverages E&O, EPLI, Professional Liab

Status Non-admitted States All States except AK, HI

Virtue Risk Partners LLC

Coverages Auto Comm-Standard, CGL, Commercial Excess, E&O, Environmental Liab, Workers’ Comp

Carrier Status Non-admitted States All States

Engineers-Geotechnical

Freberg Environmental Inc.

Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, E&O, Environmental Liab, EPLI, GL, Hired & Nonowned Auto, Pollution, Pollution Liab, Professional Liab, Transportation Pollution Liab Carrier Status Non-admitted

Jencap Specialty Insurance Services (Environmental)

Coverages Auto Comm-Standard, GL, Pollution, Pollution

Liab, Workers’ Comp Carrier Status Non-admitted States All States

Jencap Specialty Insurance Services - Buffalo

Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, COC, Commercial Excess, Completed Operations Liab, E&O, Environmental Liab, EPLI, Excess Liab, Hired & Nonowned Auto, Pollution, Products Liab, Professional Liab, Transportation Pollution Liab Carrier Status Admitted, Non-admitted States All States except AK, HI, WY

JM Wilson

Coverages Business Income, Cyber Liab, EPLI, Excess Liab, GL, Hired & Non-owned Auto, Inland Marine, Pollution

Liab, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States except AK, HI, NY

Norman-Spencer International Inc.

Coverages E&O, Professional Liab Carrier Status Admitted States All States except AK, HI

PartnerOne Environmental

Coverages CGL, E&O, Pollution Carrier Status Non-admitted States All States

Philadelphia Insurance Companies

Coverages Commercial Auto, Business Income, Business Interruption, CGL, D&O, Equipment Breakdown, Fiduciary Liab, GL, Hired & Non-owned Auto, Inland Marine, NonTrucking Auto Liab, Professional Liab, Property, Umbrella Carrier Status Admitted States All States except LA Roush Insurance Services Inc.

Coverages Auto Comm-Nonstandard, Blanket Addt'l Insureds, Blanket Waivers, CGL, Commercial Excess, Completed Operations Liab, Contractors Equip, E&O, Environmental Liab, Excess Liab, Fidelity Bonds, GL, Hired & Non-owned Auto, Inland Marine, Liability, Motor Truck Cargo, Pollution, Professional Liab, Property, Real & Business Personal Prop, Service Contracts, Umbrella, Workers' Comp Carrier Status Non-admitted States IL, IN, OH

Target Professional Programs

Coverages E&O, EPLI, Professional Liability

Carrier Status Non-admitted States All States except AK, HI

Virtue Risk Partners LLC

Coverages Auto Comm-Standard, CGL, Commercial Excess, E&O, Environmental Liab, Workers’ Comp Carrier Status Non-admitted States All States

Equipment Dealers/Rentals

Ascinsure Specialty Risk

Coverages Auto Comm-Standard, Inland Marine, Liability, Property, Umbrella States All States

NBIS

Coverages Auto Comm-Standard, Auto Comm-Standard Phys Dmg, CGL, Commercial Excess, Contractors Equip, Excess Liab, Inland Marine, Liability, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Exercise/Health Studios/Health Clubs

Affinity Nonprofits

Coverages D&O, Workers’ Comp Carrier Status Admitted States All States except DC, LA, NM, VA

K&K Insurance Group Inc.

NJ, NY

Entertainment Equipment Rental Houses

Alive Risk

Coverages Accident & Health, Accidental Death, Contingent

Coverages, Event Cancellation, Excess Liab, GL, Hired & Nonowned Auto, Inland Marine, Liquor Liab, Workers’ Comp States All States

Environmental Engineers/Consultants/ Contractors

Access E&S Insurance Services

Coverages Excess Liab, Liability, Pollution Liab, Professional Liab Carrier Status Non-admitted States AR, DC, DE, GA, IL, MD, NC, NJ, NY, OH, PA, SC, TN, TX, VA

Beacon Hill Associates

Coverages CGL, E&O, Environmental Liab, Pollution, Pollution Liab, Transportation Pollution Liab, Workers’ Comp States All States

Freberg Environmental Inc.

Coverages Blanket Addt’l Insureds, CGL, Commercial Excess, E&O, EPLI, GL, Hired & Non-owned Auto, Pollution, Pollution Liab, Professional Liab, Transportation Pollution Liab, Umbrella Carrier Status Non-admitted States All States

Coverages CGL, Crime, Excess Liab, Inland Marine, Property Carrier Status Admitted States All States

Markel

Coverages Abuse & Molestation, CGL, Crime, Inland Marine, Property, Umbrella Carrier Status Admitted States All States except HI

NeitClem Wholesale Insurance Brokerage Inc.

Coverages GL, Property Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX

Philadelphia Insurance Companies

Coverages Abuse & Molestation, Commercial Auto, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Liquor Liab, Non-Trucking Auto Liab, Participant Accident, Professional Liab, Property, Real & Business Personal Prop, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA Roush Insurance Services Inc.

Coverages Assault & Battery, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, EPLI, Equipment, Excess, Fire, GL, Inland Marine, Liability, Misc Professional, Pool & Spa Liab, Property, Real & Business Personal Prop, Sexual Misconduct, Tanning Liab, Theft Carrier Status Non-admitted States IL, IN, OH

RPS Signature Programs

Coverages Liability, Property Carrier Status Admitted States All States

Sovereign Group Int’l Inc.

Coverages Bailee/Customer Goods, Business Income, Business Interruption, CGL, Commercial Excess, Fire, GL, Inland Marine, Liability, Pool & Spa Liability, Professional Liability, Property, Tanning Liability, Umbrella Carrier Status Non-admitted States MA, NJ, NY

Sports & Wellness Insurance

Coverages Accident & Health, Crime, Cyber Liab, D&O, GL, Hired & Non-owned Auto, Inland Marine, Property, Umbrella

Carrier Status Admitted States All States

Venture Insurance Programs

Coverages Auto Comm-Standard, Crime, Cyber Liab, D&O, EPLI, GL, Liquor Liab, Professional Liab, Property, Umbrella Carrier Status Admitted States All States

Exporters

Meridian Finance Group

Coverages Performance & Payment Bonds, Products Liab States All States

Parcel Insurance Plan

Coverages Cargo, Inland Marine Carrier Status Admitted States All States

Family Fun Centers

Alive Risk

Coverages Excess Liab, GL, Hired & Non-owned Auto, Inland Marine, Liquor Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

McGowan Allied Specialty Insurance

Coverages Auto Comm-Standard, CGL, Crime, Equipment Breakdown, Excess Liab, HNOA, Inland Marine, Property, Workers’ Comp Carrier Status Admitted States All States

NeitClem Wholesale Insurance Brokerage Inc.

Coverages GL, Property Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX

The McGowan Companies

Coverages Auto Comm-Standard, Excess Liab, GL, Inland Marine, Participant Accident, Pollution, Prize Indemnification, Property, Workers’ Comp Carrier Status Admitted States All States

Farm & Ranch

Agricultural Insurance Mgmt Services

Coverages Auto Comm-Standard, Care/Custody/Control, CGL, Commercial Excess, Equipment Breakdown, Excess Liab, Horse Mortality, Property, Umbrella Carrier Status Admitted States Most States

Mark D. Fredricksen Insurance Services

Coverages Auto Comm-Standard, Care/Custody/Control, CGL, Commercial Excess, Earthquake, Excess Liab, Horse Mortality, Property, Umbrella Carrier Status Admitted States All States except AK, DC, FL, HI

Markel

Coverages Auto Comm-Standard, Care/Custody/Control, GL, Inland Marine, Property, Umbrella Carrier Status Admitted States All States except AK, HI

Monarch E&S Insurance Services

Coverages GL, Property Carrier Status Non-admitted States All States

Professional Liability Ins. Svcs - Underwriting Facilities

Coverages Business Interruption, Food Borne Illness

Carrier Status Non-admitted States All States

XPT

Coverages CGL, Combo Personal & Commercial, Dwelling Fire, Equipment, Inland Marine, Livestock/Animal Mortality, Property Carrier Status Admitted, Non-admitted States All States

Farm Labor Contractors

XPT

Coverages Excess Liab, GL, Herbicide & Pesticide, Inland Marine, Professional Liab Carrier Status Non-admitted States All States

Fast Food Restaurants Business Alliance Insurance Company

Coverages BOP, Cyber Liab, EPLI, Equipment Breakdown, Liquor Liab Carrier Status Admitted States CA

Izzo Insurance Services, A division of Hull & Company LLC

Coverages Blanket Waivers, Workers’ Comp

Carrier Status Admitted States All States

Omaha National Coverages Workers’ Comp Carrier Status Admitted States AZ, CA, CT, GA, IA,

U.S. Risk LLC

Coverages Blanket Addt’l Insureds, Blanket Forced Placed, Blanket Waivers, Boiler & Machinery, Business Income, Business Interruption, CGL, Commercial Excess, Crime, Cyber Liab, D&O, Difference in Conditions, E&O, EPLI, Equipment Breakdown, Fidelity, Fidelity Bonds, Fiduciary Liab, Foreclosed Properties, GL, Hired & Non-owned Auto, Kidnap/ Ransom, Lessors Contingent Liab, Lessors Contingent Phys Dmg, Mechanical Breakdown, Professional Liab, Property, Technology E&O, Theft, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Unitas Financial Services

Coverages Blanket Forced Placed, Collateral Protection, D&O, Force Place Fire Cvrg, Foreclosed Properties, Mortgage Impairment, Mortgage REO Cvrg, Professional Liab Carrier Status Admitted, Non-admitted States All States except AK, HI

Financial Planners

CalSurance Associates, a Div. of Brown & Brown Program

Coverages E&O, Professional Liab Carrier Status Admitted States All States

Markel

Coverages E&O Carrier Status Admitted, Non-admitted States All States except DC

ProSurance Group, a Div of One80 Intermediaries

Inland Marine, Liquor Liab, Property, Workers’ Comp Carrier Status Admitted States All States except FL

McGowan Allied Specialty Insurance

Coverages Auto Comm-Standard, CGL, Crime, Equipment

Breakdown, Excess Liab, Hired & Non-owned Auto, Inland

Marine, Property, Workers’ Comp Carrier Status Admitted States All States

Philadelphia Insurance Companies

Coverages Abuse & Molestation, Commercial Auto, Blanket

Addt’l Insureds, Boiler & Machinery, Business Income, Business Interruption, CGL, Commercial Excess, Crime, D&O, EPLI, Equipment Breakdown, Inland Marine, Participant

Accident, Umbrella Carrier Status Admitted

States All States except LA

www.insurancehelper.com

Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Completed Operations Liab, GL, Hired & Non-owned Auto, Liability, Liquor Liab, Medical Payments, Personal Liab, Products Liab, Trade Shows & Festivals

Carrier Status Non-admitted States All States

Financial Institutions

Gerald J. Wilkoff Inc.

Coverages Crime, Fidelity, Fidelity Bonds, Fiduciary Liab

Carrier Status Admitted States All States

Jencap Specialty Insurance Services - Buffalo

Coverages Blanket Forced Placed, CGL, COC, Cyber Liab, D&O, E&O, Environmental Liab, EPLI, Fidelity, Fidelity Bonds, Fiduciary Liab, Force Place Fire Cvrg, Foreclosed

Properties, Identity Theft, Interim Car Liab/Phys Dmg, Kidnap/Ransom, Lessor Only Excess Liab, Lessors Contingent Liab, Lessors Contingent Phys Dmg, Misc Professional Liab, Mortgage Impairment, Mortgage REO Cvrg, Professional Liab, Umbrella Carrier Status Admitted, Non-admitted States All States except AK, HI, WY

Meridian Finance Group

Coverages Int’l Coverage - Commercial, Political Risk States All States

Proctor Loan Protector

Coverages Blanket Forced Placed, E&O, Excess Flood, Flood, Force Place Fire Cvrg, Foreclosed Properties, High Valued Homes, Mobile Home Ins, Mortgage Impairment, Mortgage REO Cvrg, Rented Property, Residential Property

Carrier Status Non-admitted States All States

ProSurance Group, a Div of One80 Intermediaries

Coverages Crime, E&O, Excess Liab, Fidelity, Fidelity Bonds, Professional Liab Carrier Status Admitted, Non-admitted States All States

Ryan Specialty National Programs

Coverages Collateral Protection, Force Place Fire Cvrg, GL, Mortgage Impairment, Mortgage REO Cvrg, Property, Vacant Building Carrier Status Non-admitted States All States

Southeastern Underwriters Inc. (SUI)

Coverages Blanket Forced Placed, Collateral Protection, Foreclosed Properties, Mortgage Impairment

Carrier Status Admitted States All States

Coverages Crime, E&O, Fidelity, Fidelity Bonds, Insurance Broker Bonds, Professional Liab Carrier Status Admitted, Non-admitted States All States

Fine Art Collections

Applied Underwriters Inc.

Coverages Combo Personal & Commercial, Fine Arts, Int’l Coverage - Commercial, Int’l Coverage - Personal, Physical Damage, Theft Carrier Status Admitted States All States

Markel

Coverages Auto Comm-Standard, Business Interruption, Crime, GL, Property, Umbrella Carrier Status Admitted States All States except DC, HI

MiniCo Insurance Agency, a Jencap Company

Coverages Fine Arts, Fire, Mysterious Disappearance, Personal Property, Physical Damage, Theft

Carrier Status Admitted States All States

Monarch E&S Insurance Services

Coverages Earthquake, Excess Flood, Fire, Inland Marine, Mysterious Disappearance Carrier Status Admitted, Non-admitted States All States

Firearms Dealers

Breckenridge Insurance

Coverages Cyber Liability, Professional Liability Carrier Status Admitted States All States except AK, HI, NY

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

Coverages CGL, Crime, Equipment Breakdown, Firearms Liability, Liquor Liab, Medical Payments, Products Liab, Property, Umbrella Carrier Status Admitted States All States

Food Vendors

K&K Insurance Group Inc.

Coverages CGL, Inland Marine Carrier Status Admitted States All States

www.insurancehelper.com

Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Fire Legal Liab, GL, Hired & Non-owned Auto, Liability, Liquor Liab, Medical Payments, Personal Liab, Products Liab, Trade Shows & Festivals Carrier Status Non-admitted States All States

Forestry Services

Arrowhead General Insurance Agency Inc.

Coverages Earthquake, Equipment, Equipment Breakdown, Flood Carrier Status Admitted States All States

Continental Underwriters Inc.

Coverages Builders Risk, Business Income, Business Interruption, Combo Personal & Commercial, Commercial Excess, Crime, Equipment Breakdown, GL, Inland Marine, Int’l Coverage - Commercial, Int’l Coverage - Personal, Property, Umbrella, Wind, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Victor Insurance Managers LLC

Coverages Auto Comm-Standard, Cargo, Cyber Liab, Excess Liab, GL, Inland Marine, Property Carrier Status Admitted States All States except CA, LA, MI, NY

Foster Care

Negley Associates

Coverages CGL, Professional Liability

Carrier Status Non-admitted States All States

Nonprofits Insurance Alliance

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

RPS Signature Programs

Coverages Auto Comm-Standard, Excess Liab, GL, Property Carrier Status Admitted, Non-admitted States All States

Foundations

Affinity Nonprofits

Coverages Auto Comm-Standard, BOP, D&O, EPLI, Fiduciary Liab, Nonprofit D&O, Workers’ Comp Carrier Status Admitted States All States except HI

Berkley Select | a Berkley Company

Coverages D&O, EPLI, Fiduciary Liab, Nonprofit D&O

Carrier Status Admitted, Non-admitted States All States

Great American Ins. Group, Specialty Human Services

Coverages Abuse & Molestation, Auto Comm-Nonstandard, Blanket Addt’l Insureds, Business Income, CGL, Commercial Excess, Community/Social Svcs, Crime, Educator Legal

Liab, Employee Benefits, Equipment Breakdown, Fire Legal Liab, GL, Hired & Non-owned Auto, Inland Marine, Misc

Professional Liab, Professional Liability, Umbrella

Carrier Status Admitted States All States except HI, LA, OK

Nonprofits Insurance Alliance

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

Philadelphia Insurance Companies

Coverages Abuse & Molestation, Commercial Auto, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Physical Damage, Professional Liability, Property, Real & Business Personal Prop, Sexual Misconduct, Umbrella, Uninsured Motorists

Carrier Status Admitted States All States except LA

Fraternal Organizations

Charity First Insurance Services Inc.

Coverages Abuse & Molestation, Auto Comm-Standard, Business Income, CGL, Crime, Cyber Liab, Inland Marine, Liquor Liab, Property, Workers’ Comp Carrier Status Admitted States All States

Gateway Specialty Insurance

Coverages Abuse & Molestation, Crime, E&O, EPLI, GL, Liquor Liab, Nonprofit D&O, Property Carrier Status Non-admitted States All States except AK, LA, WV Irwin Siegel Agency

Coverages Abuse & Molestation, Commercial Auto, Boiler & Machinery, Business Income, Crime, Cyber Liab, D&O, EPLI, GL, Property, Umbrella Carrier Status Admitted, Non-admitted States All States

K&K Insurance Group Inc.

Coverages Auto Comm-Standard, CGL, Crime, EPLI, Inland Marine, Property, Workers’ Comp States All States

Garages

Anderson & Murison Inc.

Coverages Excess Liab, Garage Liability, GL, Inland Marine, Property Carrier Status Admitted, Non-admitted States All States

Jencap Specialty Insurance Services - Buffalo

Coverages Auto Comm-Nonstandard, Auto CommNonstandard Phys Dmg, Commercial Auto, Business Income, Care/Custody/Control, Cargo, Commercial Excess, Completed Operations Liab, Dealers Open Lot, Excess Liab, Fire Legal Liab, GKLL, GL, Inland Marine, Medical Payments, Physical Damage, Products Liab, Property, Theft, Truck Auto Liab, Umbrella, Workers’ Comp Carrier Status Admitted, Nonadmitted States All States except AK, HI, WY

CGL, E&O, Garage Keepers Legal Liab, Garage Liability, GKLL, GL, Products Liab, Professional Liab, Property, Uninsured Motorists Carrier Status Non-admitted States AZ, CA, ID, MT, NM, NV, OR, TX, UT, WA Walter General Agency (WGA)

Coverages Dealers Open Lot, Excess Liab, Garage Keepers Legal Liab, Garage Liability, GKLL, Inland Marine, Medical Payments, Property, Theft, Tools & Equip, Truck Auto Liab, Umbrella, Uninsured Boaters,

UCA General Insurance Services Inc.

Coverages Business Income, CGL, Cyber Liab, EPLI, Fire Legal Liab, Medical Payments, Property, Umbrella Carrier Status Admitted States AZ, CA, ID, NV, OR, UT, WA

Group Homes

Care Providers Insurance Services

Coverages Abuse & Molestation, Accident & Health, Auto Comm-Standard, Crime, D&O, EPLI, Excess Liab, GL, Inland Marine, Professional Liab, Property Carrier Status Admitted States All States

Charity First Insurance Services Inc.

Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, Business Income, CGL, Crime, Cyber Liab, EPLI, Equipment Breakdown, Inland Marine, Liquor Liab, Nonprofit D&O, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States

Negley Associates

Coverages CGL, Professional Liability

Carrier Status Non-admitted States All States

Nonprofits Insurance Alliance

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

Philadelphia Insurance Companies

Coverages Abuse & Molestation, Boiler & Machinery, Business Income, Care/Custody/Control, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liability, Fire Legal Liability, GL, Hired & Non-owned Auto, Identity Theft, Legal Expense Ins, Personal Property, Professional Liability, Protection & Indemnity (P&I), Umbrella

Carrier Status Admitted States All States except LA

RPS Healthcare

Coverages D&O, EPLI, Excess Liab, GL, Professional Liab, Property Carrier Status Admitted, Non-admitted States All States

Guides & Outfitters

Breckenridge Insurance

Coverages Auto Comm-Standard, Crime, Cyber Liab, D&O, GL, Inland Marine, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States except AK, HI, NY

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

Coverages GL, Property, Umbrella Carrier Status Admitted States All States

K&K Insurance Group Inc.

Coverages CGL, Crime, Excess Liab, Inland Marine, Property Carrier Status Admitted States All States

McGowan Allied Specialty Insurance

Coverages Auto Comm-Standard, CGL, Crime, Equipment Breakdown, Excess Liab, HNOA, Inland Marine, Property, Workers’ Comp Carrier Status Admitted States All States

Philadelphia Insurance Companies

Coverages Commercial Auto, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, Employee Benefits, Equipment Breakdown, Fire Legal Liab, GL, Hired & Non-owned Auto, Inland Marine, Participant Accident, Professional Liab, Property, Real & Business Personal Prop, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA

Hazardous Materials Transporters

Access E&S Insurance Services

Coverages Commercial Auto, Excess Liab, Liability, Pollution Liab, Professional Liab Carrier Status Non-admitted States AR, DC, DE, GA, IL, MD, NC, NJ, NY, OH, PA, SC, TN, TX, VA

Beacon Hill Associates

Coverages CGL, E&O, Environmental Liab, Pollution, Pollution Liab, Transportation Pollution Liab, Workers’ Comp States All States

Freberg Environmental Inc.

Coverages Auto Comm-Nonstandard, Auto CommercialNonstandard Phys Dmg, CGL, Environmental Liability, GL, Hired & Non-owned Auto, Long Haul, Physical Damage, Pollution, Pollution Liability, Transportation Pollution Liability, Uninsured Motorists Carrier Status Admitted States All States except FL, HI, LA, MA, MS, NY

JM Wilson

Coverages Cargo, Excess Liab, GL, Hired & Non-owned Auto, Inland Marine, Physical Damage, Pollution Liab, Umbrella Carrier Status Admitted, Non-admitted States AR, AZ, CO, FL, GA, IA, IL, IN, KS, KY, MI, MO, NC, NE, NM, OH, OK, PA, SC, TN, UT, VA, WI, WV, WY

Target Managers Insurance Services

Coverages Auto Comm-Standard, CGL, Environmental

Liab, Excess Liab, Pollution Liab, Property, Truck Auto Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Health Clubs

K&K Insurance Group Inc.

Coverages Business Income, Crime, GL, Inland Marine, Liquor Liab, Property, Tanning Liab, Workers’ Comp

Carrier Status Admitted States All States

Markel

Coverages Abuse & Molestation, CGL, Crime, Inland Marine, Property, Umbrella Carrier Status Admitted States All States except HI

RPS Signature Programs

Coverages Liability, Property Carrier Status Admitted States All States

Sports & Fitness Insurance Corporation (SFIC)

Coverages Abuse & Molestation, Accident & Health, Accidental Death, Boiler & Machinery, BOP, Builders

Risk, Business Income, Business Interruption, CGL, Combo Personal & Commercial, Commercial Marine, Crime, Earthquake, Employee Benefits, EPLI, Equipment Breakdown, Fire Legal Liab, Flood, GL, Glass, Hired & Nonowned Auto, Inland Marine, Liability, Liquor Liab, Misc Professional Liab, Performance & Payment Bonds, Products Liab, Professional Liab, Umbrella, Workers’ Comp

Carrier Status Admitted States All States

Sports & Wellness Insurance

Coverages Accident & Health, Crime, Cyber Liab, D&O, GL, Hired & Non-owned Auto, Inland Marine, Property, Umbrella

Carrier Status Admitted States All States

Venture Insurance Programs

Coverages Auto Comm-Standard, Crime, Cyber Liab, D&O, EPLI, GL, Liquor Liab, Professional Liab, Property, Umbrella Carrier Status Admitted States All States

Healthcare Facilities

AllComp Solutions

Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States

Amalgamated Insurance Underwriters

States All States

Virtue Risk Partners LLC

Coverages Environmental Liab, Pollution Liab Carrier Status Non-admitted States All States

Grocery Stores/Supermarkets

Business Alliance Insurance Company

Coverages BOP, Cyber Liab, EPLI, Equipment Breakdown, Liquor Liab Carrier Status Admitted States CA Irving Weber Associates Inc. (IWA)

Coverages Auto Comm-Standard, Boiler & Machinery, BOP, Business Income, Business Interruption, CGL, Crime, Employee Benefits, EPLI, Equipment Breakdown, Food Spoilage, Hired & Non-owned Auto, Identity Theft, Liquor Liab, Property, Real & Business Personal Prop, Spoilage, Umbrella, Workers’ Comp Carrier Status Admitted States All States except AK, DC, FL, HI Omaha National Coverages Workers’ Comp Carrier Status Admitted States AZ, CA, CT, GA, IA, IL, NC, NE, NJ, NY, PA, SC

Gymnastics Facilities

K&K Insurance Group Inc.

Coverages Abuse & Molestation, CGL, Equipment, Inland Marine Carrier Status Admitted States All States Markel

Coverages Accident & Health, Auto Comm-Standard, Business Income, Crime, Equipment Breakdown, GL, Inland Marine, Personal Property, Property, Umbrella

Carrier Status Admitted States All States except DC, HI

Philadelphia Insurance Companies

Coverages Abuse & Molestation, Commercial Auto, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Liquor Liab, Participant Accident, Professional Liab, Property, Real & Business Personal Prop, Umbrella, Uninsured Motorists

Coverages Assault & Battery, Crime, Earthquake, Equipment Breakdown, Flood, Property Carrier Status Non-admitted States All States except CO, FL, HI, LA, NY, TX

Amwins - 150+ Locations Worldwide

Coverages Crime, Employee Benefits, Fidelity Bonds, GL, Professional Liability, Property, Workers’ Comp

Carrier Status Admitted, Non-admitted States All States

Element22 Insurance Services

Coverages CGL, Professional Liab, Property

Carrier Status Admitted States All States

Jencap Specialty Insurance Services - Buffalo

Coverages Auto Comm-Standard, Liability, Medical, Medical Malpractice, Mental Health Care, Property Carrier Status Admitted, Non-admitted States All States except AK, HI, WY

NeitClem Wholesale Insurance Brokerage Inc.

Coverages Developmental Disabilities, Fire, Liability, Medical Malpractice, Professional Liab Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX

PEO Brokers Group

Coverages WC - Master Policies/ASO, Workers’ Comp, Workers’ Comp Plus (Alternative) States All States

Pro-Praxis Insurance

Coverages E&O, Professional Liab Carrier Status Admitted States All States

Promont Insurance Advisors

Coverages CGL, Cyber Liab, Professional Liab, Property

Carrier Status Non-admitted States All States

RPS Healthcare

Coverages D&O, EPLI, Excess Liab, GL, Medical Professional, Professional Liab, Property States All States

Heavy Equipment Dealers

Ascinsure Specialty Risk

Coverages Auto Comm-Standard, Cyber Liab, Inland Marine, Liability, Property, Umbrella States All States

NBIS

Coverages Auto Comm-Standard, Auto Comm-Standard Phys

Dmg, CGL, Commercial Excess, Contractors Equip, Excess Liab, Inland Marine, Liability, Umbrella, Workers’ Comp

Carrier Status Admitted, Non-admitted States All States

Home Healthcare Providers

AllComp Solutions

Coverages Workers’ Comp, Workers’ Comp Plus (Alternative)

Carrier Status Admitted States All States

Amwins - 150+ Locations Worldwide

Coverages Crime, Employee Benefits, Fidelity Bonds, GL, Professional Liab, Property, Workers’ Comp

Carrier Status Admitted, Non-admitted States All States

Care Providers Insurance Services

Coverages Abuse & Molestation, Accident & Health, Auto Comm-Standard, Business Interruption, Crime, D&O, EPLI, Excess Liab, GL, Inland Marine, Professional Liab,

Professional Insurance Concepts

Coverages E&O, EPLI, Professional Liab

Carrier Status Admitted States All States

Target Professional Programs Coverages E&O, GL, Professional Liab

Carrier Status Non-admitted States All States

U.S. Risk LLC

Coverages GL, Professional Liab Carrier Status Non-admitted States All States

Home Medical Equipment Dealers

Amwins - 150+ Locations Worldwide

Coverages Crime, Employee Benefits, Fidelity Bonds, GL, Professional Liability, Property, Workers’ Comp

Carrier Status Admitted, Non-admitted States All States

Philadelphia Insurance Companies

Coverages Abuse & Molestation, Boiler & Machinery, CGL, Crime, Cyber Liab, D&O, EPLI, Equipment Breakdown, Products Liab, Professional Liab, Property, Umbrella

Carrier Status Admitted States All States except LA

Homebuilders

Applied Underwriters Inc.

Coverages Builders Risk, Catastrophe, Combo Personal & Commercial, Workers’ Comp Carrier Status Admitted States All States

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

Coverages Auto Comm-Standard, Excess Liab, GL, Inland

Marine Carrier Status Admitted States All States except AK, CO, NY

Omaha National Coverages Workers’ Comp Carrier Status Admitted States AZ, CA, CT, GA, IA, IL, NC, NE, NJ, NY, PA, SC

Quaker Special Risk, a Jencap Company (New Jersey)

Coverages Blanket Waivers, CGL, Liability

Carrier Status Non-admitted States Most States

REInsurePro

Coverages Builders Risk, Business Income, CGL, Dwelling Fire, Earthquake, Equipment Breakdown, Flood, Foreclosed Properties, Hail, Hurricane, Liability, Medical Payments, Property, Rented Property, Residential Property, Vacant Building Carrier Status Non-admitted States All States except FL, LA, NY

Victor Insurance Managers LLC

Coverages Builders Risk, Cyber Liab Carrier Status Admitted States All States except HI

Mexico Insurance Online

Coverages Catastrophe, Earthquake, Fine Arts, Fire, Flood, Glass, Hail, High Valued Homes, Homeowners Pkg, Hurricane, Int’l Coverage - Personal, Pool & Spa Liab, Residential Property, Theft States All States

MexiPass International Insurance Services LLC

Coverages Int’l Coverage - Commercial, Int’l CoveragePersonal Carrier Status Admitted States All States

MiniCo Insurance Agency, a Jencap Company

Coverages D&O, Liability Carrier Status Non-admitted States All States

New Empire Insurance Services

Coverages Excess Liab, Pollution, Umbrella

Carrier Status Admitted States All States

Philadelphia Insurance Companies

Coverages Commercial Auto, Boiler & Machinery, CGL, Crime, Employee Benefits, Equipment Breakdown, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Participant Accident, Professional Liab, Property, Real & Business Personal Prop, Umbrella, Uninsured Motorists

Carrier Status Admitted States All States except LA

Professional Insurance Concepts

Coverages E&O, Professional Liab Carrier Status Admitted States All States

Horse Breeders/Boarders

Agricultural Insurance Mgmt Services

Coverages Care/Custody/Control, GL, Horse Mortality, Personal Liab Carrier Status Admitted States Most States

Mark D. Fredricksen Insurance Services

Coverages Care/Custody/Control, Commercial Excess, Equipment, Horse Mortality, Mortality

Carrier Status Admitted States All States except AK, DC, HI

Markel

Coverages Auto Comm-Standard, Business Interruption, Care/ Custody/Control, CGL, Excess Liab, Fire Legal Liab, GL, Inland Marine, Legal Liab, Medical Payments, Misc Professional Liab, Personal Property, Property, Tools & Equip, Umbrella

Carrier Status Admitted States All States except DC, HI

Horse Farms

Agricultural Insurance Mgmt Services

Coverages Business Income, Care/Custody/Control, Combo Personal & Commercial, Equipment Breakdown, Homeowners Pkg, Horse Mortality, Liability, Tools & Equip

Carrier Status Admitted States Most States

AllComp Solutions

Crime, Cyber Liab, D&O, Hired & Non-owned Auto, Inland Marine, Medical Malpractice, Professional Liab, Property,

Homeowner Associations

Amalgamated Insurance Underwriters

Coverages Boiler & Machinery, Earthquake, Flood, Property

Carrier Status Non-admitted States All States except CO, FL, HI, LA, NY, TX

Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States

Mark D. Fredricksen Insurance Services

Coverages Auto Comm-Standard, Care/Custody/Control, Commercial Excess, Homeowners Pkg, Horse Mortality, Property Carrier Status Admitted States All States except AK, DC, HI

Promont Insurance Advisors Coverages CGL, Cyber Liab, EPLI, Excess Liab, Hired & Nonowned Auto, Professional Liab, Property

Quaker Special Risk, a Jencap Company (Florida)

Coverages Abuse & Molestation, CGL, Professional Liab

Carrier Status Non-admitted States Most States

Quaker Special Risk, a Jencap Company (Mass.)

Coverages Abuse & Molestation, CGL, Professional Liab

Carrier Status Non-admitted States Most States

Quaker Special Risk, a Jencap Company (New Jersey)

Coverages Abuse & Molestation, CGL, Professional Liab

Carrier Status Non-admitted States Most States

RPS Healthcare

Coverages D&O, EPLI, Excess Liab, GL, Professional Liab, Property States All States

Sapphire Blue

Coverages CGL, Professional Liab

Carrier Status Non-admitted States All States except KY

StateFund First, a Div of Arthur J Gallagher Ins Brokers of CA

Coverages Workers’ Comp, Workers’ Comp Plus (Alternative)

Carrier Status Admitted States CA

Home Inspectors

Landy Insurance Agency

Coverages CGL, E&O, Misc Professional Liab, Professional

Liab Carrier Status Admitted States All States

Norman-Spencer Agency LLC

Coverages E&O, GL, Property Carrier Status Non-admitted

States All States except AK, LA, WV

Amwins - 150+ Locations Worldwide

Coverages Auto Comm-Standard, Crime, Equipment

Breakdown, Flood, GL, Inland Marine, Property, Umbrella,

Workers’ Comp Carrier Status Admitted States All States

Apartment Insurance Consultants LLC

Coverages Equipment Breakdown, Property

Carrier Status Admitted, Non-admitted States All States except AK, FL, HI, NY

Coastal Insurance Underwriters Inc.

Coverages Boiler & Machinery, Business Income, CGL, Crime, Cyber Liab, Difference in Conditions, Dwelling Fire, Employee Benefits, Environmental Liab, EPLI, Excess Flood, Fire, Garage Keepers Legal Liab, GL, Homeowners Pkg, Liability, Nonprofit D&O, Pool & Spa Liab, Property, Umbrella, Wind, Workers’ Comp Carrier Status Non-admitted States CA, FL, GA, KY, TN, TX

Community Association Insurance Solutions LLC

Coverages Workers’ Comp Carrier Status Admitted States All States except ID, MA, ND, OH, WA, WY

Distinguished Programs

Coverages Crime, D&O, GL, Property, Umbrella

Carrier Status Admitted, Non-admitted States All States

Element22 Insurance Services

Coverages Catastrophe, Excess Flood, Flood, Hurricane, Property, Real & Business Personal Prop, Weather, Wind

Carrier Status Non-admitted States AL, FL, GA, LA, MS, NC, SC, TX, VA

FTP of California

Coverages CGL, Earthquake, General Liability, Property

Carrier Status Non-admitted States All States except OK, TX

Kevin Davis Insurance Services

Coverages Crime, Cyber Liability, D&O, E&O

Carrier Status Admitted States All States except MT, VT

Markel

Coverages Auto Comm-Standard, Business Interruption, Care/ Custody/Control, CGL, Excess Liab, Fire Legal Liab, GL, Inland Marine, Legal Liab, Medical Payments, Personal Property, Property, Tools & Equip, Umbrella Carrier Status Admitted States All States except DC, HI

Hospice Care Facilities

Care Providers Insurance Services

Coverages Abuse & Molestation, Accident & Health, Business Interruption, Crime, D&O, EPLI, Excess Liab, GL, Inland

Marine, Professional Liab, Property Carrier Status Admitted States All States

Nonprofits Insurance Alliance

Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, Business Income, Business Interruption, CGL, Community/Social Svcs, Developmental Disabilities, EPLI, Fiduciary Liab, Fire Legal Liab, Hired & Non-owned Auto, Inland Marine, Liquor Liab, Mechanical Breakdown, Misc Professional Liab, Nonprofit D&O, Sexual Misconduct, Umbrella, Uninsured Motorists

Carrier Status Non-admitted States Most States

Promont Insurance Advisors

Coverages CGL, Cyber Liab, Professional Liab, Property

Carrier Status Non-admitted States All States

Sapphire Blue

Coverages CGL, Professional Liability

Carrier Status Non-admitted States All States except KY

Carrier Status Non-admitted States All States

Southern Hospitality Underwriters

Coverages All Risks/Cash in Transit, Auto Comm-Standard Liability, Crime, Cyber Liab, EPLI, Equipment Breakdown, GL, Liquor Liab, Property, Sexual Misconduct, Umbrella, Wind, Workers’ Comp Carrier Status Admitted States All States

The McGowan Companies

Coverages Commercial Excess, Excess Liab, Umbrella Carrier Status Admitted States All States

UCA General Insurance Services Inc.

Coverages Business Income, CGL, Crime, Cyber Liab, EPLI, Equipment Breakdown, Hired & Non-owned Auto, Liquor Liability, Medical Payments, Property, Umbrella

Carrier Status Admitted States AZ, CA, ID, NV, OR, UT, WA

Western Surplus Lines Agency Inc.

Coverages CGL, Property Carrier Status Non-admitted States LA, ND, NM, OK, TX

Ice Rink Owners & Operators

McGowan Allied Specialty Insurance

Coverages Auto Comm-Standard, CGL, Crime, Equipment Breakdown, Excess Liab, Hired & Non-owned Auto, Inland Marine, Property, Workers’ Comp Carrier Status Admitted States All States

Philadelphia Insurance Companies

Coverages Abuse & Molestation, Commercial Auto, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment

Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Participant Accident, Professional Liab, Property, Real & Business Personal Prop, Sexual Misconduct, Umbrella, Uninsured Motorists Carrier Status Admitted States All except LA

Sports & Wellness Insurance

Coverages Accident & Health, Crime, Cyber Liab, D&O, GL, Hired & Non-owned Auto, Inland Marine, Property, Umbrella

Carrier Status Admitted States All States

Importers

Anderson & Murison Inc.

Coverages Commercial Excess, D&O, EPLI, Professional Liab

Carrier Status Admitted States All States

Brownyard Group

Coverages Business Income, Business Interruption, CGL, Employee Benefits, Fire, Fire Legal Liab, GL, Glass, Inland Marine, Liability, Personal Property, Products Liab, Property, Workers’ Comp Carrier Status Non-admitted States All States except KS

Cosmetic Insurance Services, a division of EPIC Brokers

Coverages Commercial Auto, Boiler & Machinery, Crime, GL, Inland Marine, Products Liab, Property, Umbrella Carrier Status Admitted States All States

Meridian Finance Group

Coverages Performance & Payment Bonds, Political Risk States All States

NeitClem Wholesale Insurance Brokerage Inc.

Coverages GL, Property Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX

In-Home Businesses

RLI

Coverages Business Interruption, Fire, GL, Products Liab

Carrier Status Admitted States All States except DC Shelly, Middlebrooks & O’Leary Inc.

Coverages Abuse & Molestation, Business Income, Business Interruption, CGL, Crime, Cyber Liab, D&O, E&O, EPLI, Excess Liab Carrier Status Non-admitted States FL, GA, NC, SC, TX

In-Home Child Care

Markel

Coverages Abuse & Molestation, CGL Carrier Status Admitted States All States

Industrial Parks

MexiPass International Insurance Services LLC

Coverages Int’l Coverage - Commercial, Int’l CoveragePersonal Carrier Status Admitted States All States

MG Skinner & Associates

Coverages Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, E&O, Earthquake, EPLI, Excess Liab, Flood, Professional Liab, Property, Real & Business Personal Prop, Tenant Discrimination, Umbrella, Wind, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Innkeepers

Philadelphia Insurance Companies

Coverages Commercial Auto, Business Income, Care/ Custody/Control, CGL, Crime, D&O, Employee Benefits, EPLI, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Personal Property, Professional Liab, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA

Insurance Agents & Brokers (P/C L/H)

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

Coverages E&O, GL, Workers’ Comp Carrier Status Admitted States All States except AK

CalSurance Associates, a Div. of Brown & Brown Program

Coverages Cyber Liab, E&O, EPLI, Identity Theft, Professional Liab Carrier Status Admitted, Non-admitted States All States

Cooper & McCloskey Inc.

Coverages E&O, Professional Liab Carrier Status Admitted, Non-admitted States AK, AZ, CA, CO, GA, HI, IL, NV, NY, OR, TN, TX, UT, WA

Frank Winston Crum Insurance

Coverages Excess Liab, GL, Workers’ Comp

Carrier Status Admitted States Most States

J.E. Brown & Associates

Coverages Cyber Liab, D&O, E&O, EPLI States AZ, CA, CO, NV, OR, TX, UT, WA

Mexico Insurance Online Coverages Auto Pers-Nonstandard, Auto Pers-Standard, Boats, Emergency Towing & Service, Homeowners Pkg, Int’l

Coverage - Personal, Liability, Physical Damage States All States

Number One Insurance Agency

Coverages Excess Liab, Professional Liab

Carrier Status Admitted, Non-admitted States MA

Professional Insurance Concepts

Coverages E&O, EPLI, Professional Liab

Carrier Status Admitted States All States

Professional Liability Ins. Svcs - Underwriting Facilities

Coverages E&O, EPLI, Professional Liab

Carrier Status Non-admitted States All States

ProSurance Group, a Div of One80 Intermediaries

Coverages Crime, E&O, Excess Liab, Fidelity, Fidelity Bonds, Professional Liab Carrier Status Admitted, Non-admitted States All States

Quadrant Insurance Managers

Coverages D&O, Professional Liab

Carrier Status Non-admitted States All States

Ryan Specialty National Programs

Coverages Cyber Liab, E&O, Professional Liab

Carrier Status Non-admitted States All States

Sun Coast General Insurance Agency

Coverages BOP, Cyber Liab, E&O, Liability Carrier Status

Non-admitted States AZ, CA, CO, NV, OR, UT, WA

SWBC

Coverages Commercial Auto, Auto Pers-Standard, D&O, E&O, Employee Benefits, Excess Flood, Flood, Force Place Fire Cvrg, Medical, Personal Liab, Professional Liab, Short & LongTerm Disability, Theft, Umbrella, Workers’ Comp

Carrier Status Admitted, Non-admitted States All States except AK, DC, HI

Target Professional Programs

Coverages E&O, Professional Liab Carrier Status Nonadmitted States All States except AK, HI, LA, MS, WV

Insurance Companies

Frank Winston Crum Insurance

Coverages Excess Liab, GL, Workers’ Comp

Carrier Status Admitted States Most States

Mexico Insurance Online

Coverages Auto Pers-Nonstandard, Auto Pers-Standard, Boats, Emergency Towing & Service, Homeowners Pkg, Int’l Coverage - Personal, Liability, Physical Damage States All States

Quadrant Insurance Managers

Coverages D&O, EPLI, Fiduciary Liab, Professional Liab

Carrier Status Non-admitted States All States

Internet Companies

Professional Insurance Concepts

Coverages E&O, Professional Liab Carrier Status Admitted States All States

RPS Technology & Cyber

Coverages BOP, Breach of Security, Business Income, Business Interruption, CGL, Combo Personal & Commercial, Completed

Operations Liab, Crime, Cyber Liab, D&O, E&O, Employee Benefits, EPLI, Excess Liab, Fidelity, Fidelity Bonds, Fiduciary Liab, Hired & Non-owned Auto, Liability, Media Liab, Products Liab, Professional Liab, Property, Technology E&O, Umbrella Carrier Status Admitted States All

Investigators

AMIS/Alliance Marketing & Insurance Services LLC

Coverages Auto Comm-Standard Liability, Auto Comm-

Standard Phys Dmg, E&O, Liability, Property, Workers’ Comp

Carrier Status Non-admitted States All States except RI, WY

Brownyard Group

Coverages Assault & Battery, Blanket Addt’l Insureds, Care/ Custody/Control, CGL, Commercial Excess, E&O, GL, Inland

Marine, Liability, Lost Key, Medical Payments, Professional

Liab, Property Carrier Status Admitted, Non-admitted

States All States except NE, WY

Ryan Specialty National Programs

Coverages Assault & Battery, Auto Comm-Nonstandard, Care/Custody/Control, Crime, E&O, Excess Liab, GL, Inland

Marine, Lost Key, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted

States All States

The Mechanic Group, a Div of Specialty Programs Group

Coverages CGL, Commercial Excess, Contractors License

Bonds, D&O, E&O, EPLI, Liability, Umbrella, Workers’ Comp

Carrier Status Non-admitted States All States

Investment Companies

CalSurance Associates, a Div. of Brown & Brown Program

Coverages E&O, Professional Liab Carrier Status Admitted States All States

ProSurance Group, a Div of One80 Intermediaries

Coverages Crime, E&O, Fidelity, Fidelity Bonds, Professional Liab Carrier Status Admitted, Non-admitted States All States

Unitas Financial Services

Coverages Foreclosed Properties, Liability, Property, Rented Property, Residential Property Carrier Status Admitted, Non-admitted States All States except AK, HI

Janitorial Firms

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

Coverages Auto Comm-Standard, Excess Liab, GL, Workers’ Comp Carrier Status

Landfills/Recycling/Disposal Facilities

Jencap Specialty Insurance Services (Environmental)

Coverages Pollution, Pollution Liab Carrier Status Non-admitted States All States

PartnerOne Environmental

Coverages Environmental Liab, Pollution, Pollution Liab States All States

Virtue Risk Partners LLC

Coverages CGL, Commercial Excess, E&O, Environmental Liab, Workers’ Comp Carrier Status Non-admitted States All

Landscape Contractors

Brownyard Group

Coverages Auto Comm-Standard, Care/Custody/Control, Commercial Excess, Completed Operations Liab, E&O, Environmental Liab, Equipment Breakdown, Fire Legal Liab, GL, Herbicide & Pesticide, Inland Marine, Liability, Lost Key, Pollution Liab, Professional Liab, Property Carrier Status Admitted, Non-admitted States All except CA, LA, NV, NY, SC

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

Coverages Auto Comm-Standard, Contractors Equip, Excess Liab, GL, Workers’ Comp Carrier Status Admitted States All States except AK

GMI Insurance Services

Coverages Commercial Auto, CGL, GL, Hired & Non-owned Auto, Medical Payments, Truck Auto Liab, Uninsured Motorists, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except DC, MA, NY, VA

Izzo Insurance Services, A division of Hull & Company LLC

Coverages Blanket Waivers, Workers’ Comp

Carrier Status Admitted States All States

MiniCo Insurance Agency, a Jencap Company

Coverages Commercial Auto, CGL, GL, Herbicide & Pesticide, Inland Marine, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Omaha National

Coverages Workers’ Comp Carrier Status Admitted States AZ, CA, CT, GA, IA, IL, NC, NE, NJ, NY, PA, SC

Oryx Insurance Brokerage Inc.

Coverages Auto Comm-Standard, GL, Umbrella, Workers’ Comp Carrier Status Admitted States CT, DE, MD, NJ, NY, PA, VT

Professional Insurance Concepts

Coverages E&O, Professional Liab Carrier Status Admitted States All States

REInsurePro

Breakdown, GL, Lost Key, Medical Payments, Property, Theft, Workers’ Comp Carrier Status Admitted States All States except WV Omaha National

Coverages Workers’ Comp Carrier Status Admitted States AZ, CA, CT, GA, IA, IL, NC, NE, NJ, NY, PA, SC

PEO Brokers Group

Coverages WC - Master Policies/ASO, Workers’ Comp, Workers’ Comp Plus (Alternative) States All States

TAPCO Underwriters Inc.

Coverages GL, Professional Liab, Property

Carrier Status Non-admitted States Most States

Jr. Markets/Liquor Stores

Business Alliance Insurance Company

Coverages BOP, Cyber Liab, EPLI, Equipment Breakdown, Liquor Liab Carrier Status Admitted States CA

Laboratories - Testing

Freberg Environmental Inc.

Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, E&O, Environmental Liab, GL, Hired & Non-owned Auto, Pollution, Pollution Liab, Professional Liab, Transportation

Pollution Liab Carrier Status Non-admitted States All States

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

Coverages Cyber Liab, GL, Professional Liab

Carrier Status Non-admitted States All States

Virtue Risk Partners LLC

Coverages Auto Comm-Standard, CGL, Commercial Excess, E&O, Environmental Liab, Workers’ Comp

Carrier Status Non-admitted States All States

Land Surveyors

Victor Insurance Managers LLC

Coverages Cyber Liab, E&O, Professional Liab

Carrier Status Admitted States All States

Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Completed Operations Liab, Contractors Equip, Contractors

License Bonds, Excess Liab, Inland Marine, Pollution Liab, Products Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except NJ, NY

Landscape Gardeners

Brownyard Group Coverages Auto Comm-Standard, Care/Custody/Control, Commercial Excess, Completed Operations Liab, E&O, Environmental Liab, Equipment Breakdown, Fire Legal Liab, GL, Herbicide & Pesticide, Inland Marine, Liability, Lost Key, Pollution Liab, Property Carrier Status Admitted, Non-admitted States All States except CA, LA, NV, NY, SC

Sovereign Group Int’l Inc.

Coverages Business Income, Business Interruption, CGL, Commercial Excess, Contractors Equip, E&O, EPLI, GL, Liability, Misc Professional Liab, Products Liab, Professional Liab, Property, Umbrella Carrier Status Non-admitted States MA, NJ, NY

Laser Centers

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

Coverages Abuse & Molestation, CGL, Cyber Liab, Equipment Breakdown, Products Liab, Professional Liab, Property Carrier Status Non-admitted States All States

Laundries/Coin Laundry

Bass Underwriters

Coverages Assault & Battery, Bailee/Customer Goods, Business Income, Fire, GL, Hired & Non-owned Auto, Property, Wind Carrier Status Non-admitted States All States

Irving Weber Associates Inc. (IWA)

Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Bailee/Customer Goods, Blanket Addt’l Insureds, Boiler & Machinery, BOP, Business Interruption, GL, Pollution, Umbrella, Workers’ Comp Carrier Status Admitted States Most States

Law Firms Agency Marketing Services

Coverages E&O, Professional Liab Carrier Status Admitted States AL, CA, CO, CT, DE, FL, GA, KS, KY, LA, MD, MI, MO, NC, NJ, OH, PA, SC, TN, TX, VA

Amwins - 150+ Locations Worldwide

Coverages Legal Liab, Professional Liab States ME, NH, VT

Cooper & McCloskey Inc.

Coverages Legal Malpractice, Professional Liability

Carrier Status Admitted, Non-admitted States AK, AZ, CA, CO, GA, HI, IL, NV, NY, OR, TN, TX, UT, WA

Gerald J. Wilkoff Inc.

Coverages Crime, Fidelity, Fidelity Bonds, Fiduciary Liab

Carrier Status Admitted States All States

Hull & Company Coverages Commercial Excess, D&O, E&O, EPLI Carrier Status Admitted, Non-admitted States All States except DC

Lawyer’s Protector Plan

Coverages E&O, Legal Liab, Legal Malpractice, Professional Liab Carrier Status Admitted States Most States

MiniCo Insurance Agency, a Jencap Company

Coverages E&O, Professional Liab Carrier Status Admitted, Non-admitted States All States

Professional Insurance Concepts

Coverages E&O, EPLI, Professional Liab

Carrier Status Admitted States All States

Synergy Professional Associates Inc.

Coverages Excess Liability, Professional Liability

Carrier Status Admitted, Non-admitted States All States except AR, KS, MO

Target Professional Programs

Coverages E&O, Professional Liab Carrier Status Admitted States Most States

The McGowan Companies

Coverages E&O, Excess Liab, Professional Liab States AL, CA, CO, CT, FL, GA, MI, NV, NY, OH, TN, TX, WA

U.S. Risk LLC

Coverages Crime, Professional Liab Carrier Status Admitted States AZ, NM, OK, TX

Vanguard Specialty

Coverages E&O, Excess Liab, Professional Liab Carrier Status Admitted, Non-admitted States All States

Libraries

Brownyard Group Coverages Abuse & Molestation, Auto Comm-Standard, Business Income, CGL, Commercial Excess, Crime, D&O, EPLI, Equipment, Fine Arts, GL, Inland Marine, Medical Payments, Property Carrier Status Admitted States Most States

Public Entities of America (PEA)

Coverages Commercial Auto, Commercial Excess, GL, Professional Liab, Property Carrier Status Admitted States Most States

Limousine Service Companies

5Star Specialty Programs

Coverages Auto Comm-Nonstandard, Auto CommNonstandard Liability, Auto Comm-Nonstandard Phys Dmg, Commercial Auto, Excess Liab, GL, Physical Damage, Workers’ Comp Carrier Status Admitted States All States

KF&B Program Managers Insurance Services

Coverages Auto Comm-Standard, Liability, Physical Damage

Carrier Status Admitted States All except HI, MA, NY, RI

National Indemnity Company

Coverages Auto Comm-Nonstandard, Auto CommNonstandard Phys Dmg, Liability, Medical Payments, Uninsured Motorists Carrier Status Admitted, Non-admitted States All States except HI, MA, NJ, NY

Philadelphia Insurance Companies

Coverages Auto Comm-Standard Liability, Auto CommStandard Physical Damage, CGL, Hired & Non-owned Auto Carrier Status Admitted States All except FL, LA, MI, NV, NY

Specialty Wholesale Ins. Solution (SWIS), a Div of SPG

Coverages Auto Comm-Standard, Garage Keepers Legal Liab, Liability, Property Carrier Status Admitted States All States

Star Mutual RRG

Coverages Auto Comm-Nonstandard, Auto Commercial - Nonstandard Liability, Auto Comm-Standard, Auto CommStandard Liability Carrier Status Admitted, Non-admitted States PA

Euclid Life Science Specialty LLC

Coverages Commercial Excess, Completed Operations Liab, E&O, Excess Liab, GL, Liability, Products Liab, Professional Liab Carrier Status Non-admitted States All States

JC Wilson Consulting Inc.

Coverages Boiler & Machinery, Equipment Breakdown, Product Extended Warranty, Service Contracts, Warranties, Extended Carrier Status Admitted States All States

JM Wilson

Coverages Builders Risk, Business Income, Cargo, Crime, Cyber Liab, D&O, E&O, EPLI, Equipment Breakdown, Excess Liab, Flood, Foreign GL, GL, Hired & Non-owned Auto, Inland Marine, Pollution Liab, Products Liab, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status

Non-admitted States All States except AK, HI, NY

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

Coverages CGL, Equipment Breakdown, Firearms Liability, Property, Umbrella Carrier Status Admitted States All States

MacAfee & Edwards Inc. - Mexican Insurance Specialist

Coverages Foreign GL, Int’l Coverage - Commercial, Int’l Coverage - Personal Carrier Status Admitted, Non-admitted States All States

MexiPass International Insurance Services LLC

Coverages Int’l Coverage - Commercial, Int’l CoveragePersonal States All States

Monarch E&S Insurance Services

Coverages GL, Property Carrier Status Non-admitted States All States

NeitClem Wholesale Insurance Brokerage Inc.

Coverages Blanket Addt’l Insureds, Completed Operations Liab, Equipment, Foreign GL, Inland Marine, Liability, Motor Truck Cargo, Pollution, Product Extended Warranty, Products Liab Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX

Parcel Insurance Plan

Coverages Cargo, Inland Marine Carrier Status Admitted States All States

Personal Safeguards Group LLC

Coverages Product Extended Warranty, Service Contracts, Warranties, Extended Carrier Status Admitted States All States

Professional Liability Ins. Svcs - Underwriting Facilities

Coverages Business Income, Business Interruption, Food Borne Illness Carrier Status Non-admitted States All States

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

Coverages Blanket Addt’l Insureds, CGL, Cyber Liab, Products Liab, Property Carrier Status Non-admitted States All States

Quirk & Company

Coverages CGL, Environmental Liab, Equipment, Excess Flood, Flood, Kidnap/Ransom, Products Liab, Professional Liab, Property Carrier Status Non-admitted States LA, OK, OR, TX, WA

Southwest Risk Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Property, Umbrella Carrier Status Non-admitted States All States

StateFund First, a Div of Arthur J Gallagher Ins Brokers of CA Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States CA

The McGowan Companies

Coverages Abuse & Molestation Carrier Status Admitted States All States

Walter General Agency (WGA)

Coverages Boiler & Machinery, Builders Risk, Business Income, Business Interruption, Cargo, CGL, Commercial Excess, Completed Operations Liab, Excess Liab, Hired & Non-owned Auto, Liability, Medical Payments, Motor Truck Cargo, Products Liab, Property, Technology E&O, Theft, Tools & Equip, Umbrella Carrier Status Non-admitted States AR, IA, ID, IL, IN, KS, KY, MO, OK, TN

Marina Operators

Hull & Company

Coverages Commercial Marine, Marina Operators Legal, Property Carrier Status Non-admitted States All States except DC

Markel Personal Lines

Coverages

Mexico Insurance Online

Coverages Boats, Int’l Coverage - Personal, Watercraft Liab States All States

The American Equity Underwriters Inc.

Coverages MEL, USL&H, Workers’ Comp States All States

The Hanover Insurance Group

Coverages Auto Comm-Standard, CGL, Crime, D&O, Environmental Liab, EPLI, Equipment, Fine Arts, GKLL, GL, Hull, Legal Liab, Liability, Liquor Liab, Marina Operators

Legal, Physical Damage, Piers & Docks, Pollution Liab, Products Liab, Property, Protection & Indemnity (P&I), Watercraft Liab, Workers’ Comp Carrier Status Admitted States All States

Marina/Boat Repair & Service Centers

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

Coverages Auto Comm-Standard, GL Carrier Status Admitted States All States except AL, KS, LA, MS, TX, WI

Markel Personal Lines

Coverages Boats, Commercial Marine, Hull, Pollution Liab, Watercraft Liab Carrier Status Admitted States All States

Roush Insurance Services Inc.

Coverages Bailee/Customer Goods, Boiler & Machinery, Business Income, Business Interruption, Care/Custody/ Control, CGL, Commercial Marine, Crime, Cyber Liab, D&O, EPLI, Equipment Breakdown, Excess Liab, Fire, GKLL, GL, Hoist/Haul-out, Hull, Inland Marine, Liability, Lost Key, Marina Operators Legal, Mechanical Breakdown, Physical Damage, Pollution, Property, Protection & Indemnity (P&I), Real & Business Personal Prop, Ship Repairers Legal, Theft, Tools & Equip, Watercraft Liab, Watersports Liab, Wet Marine Carrier Status Non-admitted States IL, IN, OH

Sun Coast General Insurance Agency

Coverages Boats, Care/Custody/Control, CGL, Commercial Marine, Marina Operators Legal, Piers & Docks, Ship Repairers Legal, Tools & Equip, Uninsured Boaters, Watercraft Liab, Wet Marine Carrier Status Admitted, Non-admitted States AK, AZ, CA, CO, FL, NV, OR, UT, WA

The Hanover Insurance Group

Coverages Auto Comm-Standard, CGL, Crime, D&O, Environmental Liab, EPLI, Equipment, Fine Arts, GKLL, GL, Hull, Legal Liab, Liability, Liquor Liab, Marina Operators Legal, Physical Damage, Piers & Docks, Pollution Liab, Products Liab, Property, Protection & Indemnity (P&I), Watersports Liab, Workers’ Comp Carrier Status Admitted States All States

Marinas/Boat Dealers

Mexico Insurance Online Coverages Boats, Int’l Coverage - Personal, Watercraft Liab States All States

Sun Coast General Insurance Agency Coverages Boats, Cargo, CGL, Commercial Marine, Hull, Physical Damage Rental Units, Piers & Docks, Ship Repairers Legal, Uninsured Boaters, Watercraft Liability, Wet Marine Carrier Status Admitted, Non-admitted States AK, AZ, CA, CO, FL, NV, OR, UT, WA

The Hanover Insurance Group

Coverages Auto Comm-Standard, CGL, Crime, D&O, Environmental Liab, EPLI, Equipment, Fine Arts, GKLL, GL, Hull, Legal Liab, Liability, Liquor Liab, Marina Operators

Legal, Physical Damage, Piers & Docks, Pollution Liab, Products Liab, Property, Protection & Indemnity (P&I), Watersports Liab, Workers’ Comp Carrier Status Admitted States All States

Martial Arts Facilities

K&K Insurance Group Inc.

Coverages Abuse & Molestation, CGL, Equipment, Inland

Marine, Medical Payments, Participant Accident

Carrier Status Admitted States All States

Markel

Coverages Accident & Health, Auto Comm-Standard, Business Income, Crime, Equipment Breakdown, GL, Inland

Marine, Personal Property, Property, Umbrella

Carrier Status Admitted States All States except DC, HI

Philadelphia Insurance Companies

Coverages Abuse & Molestation, Auto Comm-Standard, Auto Comm-StandardLiability, Auto Comm-Standard Phys Damage, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Participant Accident, Professional Liab, Property, Real & Business Personal Property, Umbrella, Uninsured Motorists

Carrier Status Admitted States All States except LA

Sports & Fitness Insurance Corporation (SFIC)

Coverages Accident & Health, Accidental Death, Auto Comm-Standard, Builders Risk, Business Income, Business Interruption, CGL,

The McGowan Companies

Coverages Misc Professional Liab, Professional Liab

Carrier Status Admitted, Non-admitted States All States

Wedding Protector Plan

Coverages BOP, Builders Risk, Business Income, CGL, Cyber Liab, E&O, EPLI, GL, Liability, Medical Malpractice, Medical Professional, Misc Professional Liab, Professional Liab, Property, Workers’ Comp Carrier Status Admitted States FL

Medical Spas

Pro-Praxis Insurance

Coverages E&O, Professional Liab Carrier Status Admitted States All States

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

Coverages Abuse & Molestation, CGL, Cyber Liab, Equipment Breakdown, Products Liab, Professional Liab, Property

Carrier Status Non-admitted States All States

Mental Health Care Facilities

Addiction Treatment Providers Insurance Program

Coverages Abuse & Molestation, Addiction Treatment, Auto Comm-Standard, Business Income, Business Interruption, Community/Social Svcs, Cyber Liab, D&O, E&O, EPLI, Hired & Non-owned Auto, Identity Theft, Liability, Medical Malpractice, Mental Health Care, Nonprofit D&O, Professional Liab, Property, Sexual Misconduct, Umbrella, Workers’ Comp

Carrier Status Non-admitted States All States

Amwins - 150+ Locations Worldwide

Coverages Business Interruption, Employee Benefits, Fidelity

Bonds, GL, Professional Liab, Property, Workers’ Comp

Carrier Status Non-admitted States All States

Irwin Siegel Agency

Coverages Abuse & Molestation, Addiction Treatment, Commercial Auto, Boiler & Machinery, Business Income, Crime, Cyber Liab, GL, Inland Marine, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States

Negley Associates

Coverages CGL, Professional Liability

Carrier Status Non-admitted States All States

Philadelphia Insurance Companies

Coverages Abuse & Molestation, Addiction Treatment, Commercial Auto, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Professional Liab, Property, Real & Business Personal Prop, Sexual Misconduct, Umbrella, Uninsured Motorists

Carrier Status Admitted States All States except LA

Liability, Umbrella

Carrier Status Non-admitted States Most States

Quaker Special Risk, a Jencap Company (New Jersey)

Coverages CGL, GL, Liability, Umbrella

Carrier Status Non-admitted States Most States

Ryan Specialty National Programs

Coverages Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, Business Income, Business Interruption, CGL, Completed Operations Liab, Contractors Equip, E&O, Equipment Breakdown, Excess Auto, Excess Damage, Excess Liab, Hired & Non-owned Auto, Inland Marine, Medical

Professional, Products Liab, Property, Theft, Umbrella

Carrier Status Admitted States All States

Medical Imaging Centers

Pro-Praxis Insurance

Coverages E&O, Professional Liab Carrier Status Admitted States All States

Quaker Special Risk, a Jencap Company (New Jersey)

Coverages CGL, GL, Liability, Professional Liab, Umbrella

Carrier Status Non-admitted States Most States

Medical Professionals

Access E&S Insurance Services

Coverages Excess Liab, Professional Liab

Carrier Status Non-admitted States AR, DC, DE, GA, IL, MD, NC, NJ, NY, OH, PA, SC, TN, TX, VA

NeitClem Wholesale Insurance Brokerage Inc.

Coverages D&O, E&O, Liability, Medical Malpractice, Professional Liab Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX

TDC Specialty Underwriters

Coverages Liability, Medical Malpractice, Professional Liab

Carrier Status Admitted, Non-admitted

States All States except KS, NH, NY

RPS Signature Programs

Coverages Abuse & Molestation, Auto Comm-Standard, CGL, Cyber Liab, Employee Benefits, EPLI, Excess Liab, Hired & Non-owned Auto, Nonprofit D&O, Professional Liab, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Metalworking Companies

Amwins - 150+ Locations Worldwide

Coverages Auto Comm-Standard, Crime, Equipment Breakdown, GL, Inland Marine, Property, Stop-Gap, Umbrella, Workers’ Comp Carrier Status Admitted States All States

Izzo Insurance Services, A division of Hull & Company LLC

Coverages Blanket Waivers, Workers’ Comp States All States

Mobile Home Parks (Commercial)

Arrowhead General Insurance Agency Inc.

Coverages Business Income, GL, Liability, Physical Damage, Property States Most States

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

Coverages Excess Liab, GL, Workers’ Comp Carrier Admitted, Non-admitted States All States except AK

Gorst & Compass Insurance

Coverages Business Income, CGL, Property Carrier Status Non-admitted States CA

Philadelphia Insurance Companies

Coverages Auto Comm-Standard, Boiler & Machinery, CGL, D&O, Employee Benefits, EPLI, Equipment, Fire Legal Liab, GL, Hired & Non-owned Auto, Liability, Property, Umbrella, Uninsured Motorists, Uninsured Personal Injury

Carrier Status Admitted States All States except LA

Mortgage Bankers/Lenders

Gerald J. Wilkoff Inc.

Coverages Contractors License Bonds, Crime, Fidelity, Fidelity Bonds, Fiduciary Liab Carrier Status Admitted States All States

Jencap Specialty Insurance Services - Buffalo

Coverages Blanket Forced Placed, Collateral Protection, Difference in Conditions, Excess Flood, Force Place Fire Cvrg, Foreclosed Properties, Mortgage Impairment, Mortgage REO Cvrg Carrier Status Non-admitted States All States except AK, HI

Proctor Loan Protector

Coverages Blanket Forced Placed, E&O, Excess Flood, Flood, Force Place Fire Cvrg, Foreclosed Properties, High Valued Homes, Mobile Home Ins, Mortgage Impairment, Mortgage REO Cvrg, Rented Property, Residential Property Carrier Status Non-admitted States All States

Ryan Specialty National Programs

Coverages Collateral Protection, Force Place Fire Cvrg, GL, Mortgage Impairment, Mortgage REO Cvrg, Property, Vacant Building Carrier Status Non-admitted States All States

Southeastern Underwriters Inc. (SUI)

Coverages Blanket Forced Placed, Foreclosed Properties, Mortgage Impairment Carrier Status Admitted States All States

Mortgage Brokers

Gerald J. Wilkoff Inc.

Coverages Contractors License Bonds, Crime, Fidelity, Fidelity Bonds, Fiduciary Liab Carrier Status Admitted States All States

Norman-Spencer Agency LLC

Coverages Cyber Liab, E&O States All States except AK, HI

Philadelphia Insurance Companies

Coverages BOP, Identity Theft, Misc Professional Liab Carrier Status Admitted States All States except LA

RealCare Insurance

Coverages E&O, Professional Liab Carrier Status Admitted, Non-admitted States All States

Motion Picture (Film/Video) Producers

Alive Risk Coverages Accident & Health, Accidental Death, Contingent Coverages, Event Cancellation, Excess Liab, GL, Hired & Non-owned Auto, Inland Marine, Liquor Liab, Workers’ Comp

Carrier Status Admitted, Non-admitted States All States

Philadelphia Insurance Companies

Coverages Commercial Auto, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, Cyber Liab, D&O, EPLI, Equipment Breakdown, Inland Marine, Participant Accident, Professional Liab, Property, Umbrella

Carrier Status Admitted States All States except LA

U.S. Risk LLC

Coverages CGL, Crime Carrier Status Admitted, Non-admitted States All States

Motor Sports

K&K Insurance Group Inc.

Coverages Auto Comm-Standard, CGL, Crime, Disability, EPLI, Inland Marine, Property, Workers’ Comp

Carrier Status Admitted States All States

Philadelphia Insurance Companies

Coverages D&O, EPLI

Carrier Status Admitted States All States except LA

Motorcycle Dealers

K&K Insurance Group Inc.

Coverages Business Income, Crime, Employee Benefits, EPLI, Garage Liability, Inland Marine, Workers’ Comp

Carrier Status Admitted States All States

MBA Insurance Agency of AZ Inc.

Coverages Auto Comm-Standard Liability, Auto CommStandard Phys Dmg Carrier Status Admitted States All States except DC, MD, MA, NY, VA Mexico Insurance Online

Coverages Auto Pers-Nonstandard, Auto Pers-Standard, Emergency Towing & Service, Int’l Coverage - Personal, Liability, Physical Damage States All States

Ryan Specialty National Programs

Coverages Dealers Open Lot, E&O, Garage Liability, GL, Physical Damage, Property Carrier Status Non-admitted States Most States

LA, OK

K&K Insurance Group Inc.

Coverages Auto Comm-Standard, Boiler & Machinery, Business Income, CGL, Crime, EPLI, Inland Marine, Liquor

Liab, Property, Workers’ Comp Carrier Status Admitted

States All States except FL

Markel

Coverages Accident & Health, Auto Comm-Standard, Completed Operations Liab, Crime, Equipment Breakdown, Fine Arts, GL, Historic Bldgs/Unique Property, Inland Marine, Professional Liab, Property, Umbrella

Carrier Status Admitted States All States except DC, HI

Philadelphia Insurance Companies

Coverages Abuse & Molestation, Commercial Auto, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Nonprofit D&O, Participant Accident, Professional Liab, Property, Real & Business

Personal Prop, Sexual Misconduct, Umbrella, Uninsured

Motorists Carrier Status Admitted States All States except LA

Specialty Wholesale Ins. Solution (SWIS), a Div of SPG

Coverages All Risks/Cash in Transit, Crime, Fine Arts, Legal

Liab, Liability, Property, Umbrella Carrier Status Admitted States All States

Music, Touring & Live Events

Alive Risk

Coverages Accident & Health, Accidental Death, Contingent

Coverages, Event Cancellation, Excess Liab, GL, Hired & Nonowned Auto, Inland Marine, Liquor Liab, Workers’ Comp States All States

K&K Insurance Group Inc.

Coverages Auto Comm-Standard, CGL, Crime, EPLI, Inland Marine, Property, Workers’ Comp Carrier Status Admitted States All States

Networking/Telecommunication Co’s

AMIS/Alliance Marketing & Insurance Services LLC

Coverages Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, BOP, Liability, Property, Workers’ Comp Carrier Status Admitted States All States

RPS Technology & Cyber

Coverages BOP, Breach of Security, Business Income, Business Interruption, CGL, Combo Personal & Commercial, Completed Operations Liab, Crime, Cyber Liab, D&O, E&O, Employee Benefits, EPLI, Excess Liab, Fidelity, Fidelity Bonds, Fiduciary Liab, Hired & Non-owned Auto, Liability, Media Liab, Products Liab, Professional Liab, Property, Technology E&O, Umbrella Carrier Status Admitted States All States except DC

Night Clubs

NeitClem Wholesale Insurance Brokerage Inc.

Coverages Assault & Battery, Fire, GL, Inland Marine, Liability, Liquor Liab, Spoilage Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX

Number One Insurance Agency

Coverages Assault & Battery, Excess Liab, Flood, GL, Liquor Liab, Property, Vacant Building Carrier Status Admitted States MA

Nonprofit Organizations

Affinity Nonprofits

Coverages Abuse & Molestation, Auto Comm-Standard, CGL, Cyber Liab, D&O, EPLI, Event Cancellation, Excess Liab, Fiduciary Liab, Fine Arts, GL, Historic Bldgs/Unique

Property, Liability, Liquor Liab, Nonprofit D&O, Professional Liab, Property Carrier Status Admitted States All States except HI

AMIS/Alliance Marketing & Insurance Services LLC

Coverages Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, Liability, Professional Liab, Property Carrier Status Admitted States All States

Berkley Select | a Berkley Company

Coverages D&O, EPLI, Fiduciary Liab, Nonprofit D&O

Carrier Status Admitted, Non-admitted States All States

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

Coverages D&O, EPLI, Workers’ Compensation

Carrier Status Admitted, Non-admitted States All except AK Care Providers Insurance Services

Coverages Abuse & Molestation, Auto Comm-Standard, Business Interruption, Crime, D&O, Equipment Breakdown, GL, Hired & Non-owned Auto, Liability, Participant Accident, Professional Liability, Property, Theft, Umbrella

Carrier Status Admitted States All States except AK, HI

Charity First Insurance Services Inc.

Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, Boiler & Machinery, Business Income, CGL, Crime, Cyber Liab, EPLI, Equipment Breakdown, Int’l Coverage - Commercial, Liquor Liab, Nonprofit D&O, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States CID Insurance Programs Inc.

Coverages BOP, Commercial Excess, D&O, EPLI, Excess Liab, GL, Liability, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States AZ, CA, CO, ID, MD, NE, NM, NV, OR, PA, TN, TX, UT, VA, WA

Gateway Specialty Insurance

Coverages Abuse & Molestation, EPLI, GL, Nonprofit D&O, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States except AK, HI, LA

Great American Ins. Group, Specialty Human Svcs

Coverages Abuse & Molestation, Auto Comm-Nonstandard, Blanket Addt’l Insureds, Business Income, CGL, Commercial Excess, Community/Social Svcs, Crime, Educator Legal Liab, Employee Benefits, Equipment Breakdown, Excess Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Inland Marine, Misc Professional Liab, Professional Liability, Umbrella

Irwin Siegel Agency

Coverages Abuse & Molestation, Accident & Health, Addiction Treatment, Commercial Auto, Boiler & Machinery, BOP, Business Income, CGL, Community/Social Svcs, Crime, Cyber Liab, D&O, E&O, EPLI, Nonprofit D&O, Property, Umbrella Carrier Status Admitted, Non-admitted States All States

Jencap Specialty Insurance Services - Buffalo

Coverages Abuse & Molestation, CGL, Community/Social Svcs, Crime, Cyber Liab, D&O, Developmental Disabilities, E&O, Educator Legal Liab, Fidelity, Fiduciary Liab, Hired & Non-owned Auto, Identity Theft, Kidnap/Ransom, Legal Malpractice, Liquor Liab, Managed Care, Media Liab, Medical & Physical Rehab, Medical Malpractice, Medical Professional, Mental Health Care, Misc Professional Liab, Nonprofit D&O, Police Professional Liab, Products Liab, Professional Liab, Public Officials, Sexual Misconduct, Tenant Discrimination, Umbrella Carrier Status Admitted, Non-admitted States All States except AK, HI, WY

MexiPass International Insurance Services LLC

Coverages Int’l Coverage - Commercial, Int’l CoveragePersonal Carrier Status Admitted States All States

MiniCo Insurance Agency, a Jencap Company

Coverages Abuse & Molestation, Accident & Health, Auto Comm-Standard, Boiler & Machinery, Business Income, Business Interruption, Commercial Excess, Community/ Social Svcs, Crime, D&O, E&O, Earthquake, EPLI, Equipment Breakdown, Hired & Non-owned Auto, Liquor Liab, Medical Malpractice, Medical Payments, Medical Professional, Nonprofit D&O, Property, Sexual Misconduct, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except HI, LA

Nonprofits Insurance Alliance

Coverages Abuse & Molestation, D&O, Fiduciary Liab, GL, Hired & Non-owned Auto, Liability, Physical Damage, Professional Liab, Umbrella Carrier Status Admitted, Non-admitted States Most States

NSM Insurance Group

Coverages Abuse & Molestation, Addiction Treatment, Auto Comm-Standard, Business Income, Business Interruption, Community/Social Svcs, Cyber Liab, D&O, E&O, Earthquake, EPLI, Event Cancellation, GL, Hired & Non-owned Auto, Identity Theft, Liability, Loss of Use, Mental Health Care, Nonprofit D&O, Professional Liab, Property, Sexual Misconduct, Student Accident, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Philadelphia Insurance Companies

Coverages Abuse & Molestation, Commercial Auto, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Nonprofit D&O, Participant Accident, Professional Liab, Property, Real & Business Personal Prop, Sexual Misconduct, Umbrella, Uninsured Motorists Carrier Status Admitted States All except LA

Professional Insurance Concepts Coverages D&O, EPLI Carrier Status Admitted States All States

Shelly, Middlebrooks & O’Leary Inc.

Coverages Abuse & Molestation, Business Income, Business Interruption, CGL, Commercial Excess, Community/Social Svcs, Crime, Cyber Liab, D&O, E&O, EPLI, Excess Liability, Hired & Non-owned Auto, Nonprofit D&O

Carrier Status Non-admitted States FL, GA, NC, SC, TX

Sports & Wellness Insurance

Coverages Accident & Health, Crime, Cyber Liab, D&O, GL, Hired & Non-owned Auto, Inland Marine, Property, Umbrella

Carrier Status Admitted States All States

Union General Insurance Services Inc.

Coverages Abuse & Molestation, Abusive Acts, Addiction

Treatment, Assault & Battery, Blanket Addt’l Insureds, BOP, CGL, Community/Social Svcs, Completed Operations Liab, Crime, Cyber Liab, D&O, EPLI, Excess Liab, Inland Marine, Nonprofit D&O, Professional Liab, Property, Religious Institutions, Sexual Misconduct, Umbrella

Carrier Status Admitted, Non-admitted States AZ, CA, ID, MT, NM, NV, OR, TX, UT, WA

Victor Insurance Managers LLC

Coverages Crime, D&O, EPLI, Fiduciary Liab, Kidnap/ Ransom, Nonprofit D&O Carrier Status Admitted, Non-admitted States All States

Nurseries / Garden Centers

Agricultural Insurance Mgmt Services

Coverages CGL, Contractors Equip, Equipment, Equipment Breakdown, Products Liab, Property

Nursing Homes

Amalgamated Insurance Underwriters

Coverages Assault & Battery, Crime, Earthquake, Equipment

Breakdown, Flood, Property Carrier Status Non-admitted States All States except CO, FL, HI, LA, NY, TX

Amwins - 150+ Locations Worldwide

Coverages Abuse & Molestation,

Irving Weber Associates Inc. (IWA)

Coverages Blanket Addt’l Insureds, Blanket Waivers, BOP, Business Income, Business Interruption, CGL, Cyber Liability, Equipment, Liability, Property, Umbrella, Workers’ Compensation Carrier Status Admitted States All States except AK, DC, FL, HI

M.J. Hall & Company Inc.

Coverages BOP, CGL, Excess Liab, Property Carrier Status Admitted, Non-admitted States AK, AZ, CA, CO, HI, ID, KS, MT, NE, NM, NV, OK, OR, SD, TX, UT, WA, WY

MG Skinner & Associates

Coverages Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, E&O, Earthquake, EPLI, Excess Liab, Flood, Misc Professional Liab, Professional Liab, Property, Tenant Discrimination, Umbrella, Wind, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Philadelphia Insurance Companies

Liab

Carrier Status Admitted States All States

RPS Healthcare

Coverages D&O, EPLI, Excess Liab, GL, Professional Liab, Property Carrier Status Admitted, Non-admitted States All States

Sapphire Blue

Coverages CGL, Professional Liab

Carrier Status Non-admitted States All States except KY

Nutraceutical Manufacturers/ Distributors

CRC Insurance Services

Coverages E&O, Excess Liab, GL States All States

Euclid Life Science Specialty LLC

Coverages Commercial Excess, Completed Operations Liab,

E&O, Excess Liab, GL, Liability, Products Liab, Professional

Liab Carrier Status Non-admitted States All States

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

Coverages Blanket Addt’l Insureds, CGL, Commercial Excess, Cyber Liab, Misc Professional Liab, Products Liab, Property Carrier Status Non-admitted States All States

Quaker Special Risk, a Jencap Company (New Jersey)

Coverages CGL, Commercial Excess, GL, Liability, Products

Liab Carrier Status Non-admitted States Most States

Office Building Owners

Apartment Insurance Consultants LLC

Coverages Equipment

Coverages Commercial Auto, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Employee Benefits, EPLI, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Property, Real & Business Personal Prop, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA

UCA General Insurance Services Inc.

Coverages Business Income, CGL, Cyber Liab, EPLI, Equipment Breakdown, Fire Legal Liab, Hired & Non-owned Auto, Medical Payments, Property, Umbrella

Carrier Status Admitted States AZ, CA, ID, NV, OR, UT, WA

Oil & Gas Operators

AAU, A division of USG Insurance Services

Coverages Auto Comm-Standard, Auto Comm-Standard Phys Dmg, Contractors Equip, Environmental Liab, GL, Inland Marine, Motor Truck Cargo, Pollution, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

LIG Marine Managers

Coverages USL&H, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Skyward Specialty Insurance

Coverages Auto Comm-Standard, Blanket Waivers, Contractors Equip, Equipment Breakdown, GL, Inland Marine, Installation Floaters, Pollution Liab, Property, Workers’ Comp States Most States

Target Managers Insurance Services

Coverages Auto Comm-Standard, CGL, Environmental Liab, Excess Liab, Pollution Liab, Property, Truck Auto Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Western Surplus Lines Agency Inc.

Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Commercial Excess, Completed Operations Liab, Contractors Equip, Control of Well, Employee Benefits, Fire Legal Liab, Hired & Non-owned Auto, Inland Marine, Medical Payments, Misc Professional Liab, Pollution Liab, Products Liab, Professional Liab Carrier Status Non-admitted States TX

Optometrist

Parent Teacher Orgs (PTAs/PTOs)

Nonprofits Insurance Alliance

Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, Business Income, Business Interruption, CGL, Community/Social Svcs, Developmental Disabilities, EPLI, Fiduciary Liab, Fire Legal Liab, Hired & Non-owned Auto, Inland Marine, Liquor Liab, Mechanical Breakdown, Misc Professional Liab, Nonprofit D&O, Sexual Misconduct, Umbrella, Uninsured Motorists

Carrier Status Non-admitted States Most States

Pawn Shops

Ryan Specialty National Programs

Coverages Business Income, Cyber Liab, Employee Benefits, EPLI, Equipment Breakdown, GL, Hired & Non-owned Auto, Medical Payments, Property Carrier Status Non-admitted States All States except HI

Pest Control Firms

Brownyard Group Coverages Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, Care/Custody/Control, CGL, Commercial Excess, Completed Operations Liab, Crime, E&O, Environmental Liab, Equipment Breakdown, Fidelity, Fire Legal Liab, GL, Herbicide & Pesticide, Inland Marine, Liability, Lost Key, Medical Payments, Pollution Liab, Products Liab, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except LA Izzo Insurance Services, A division of Hull & Company LLC Coverages Blanket Waivers, Workers’ Comp

Carrier Status Admitted States All States

Markel

Coverages Auto Comm-Standard, Business Income, CGL, Equipment, Equipment Breakdown, Herbicide & Pesticide, Inland Marine, Legal Liability, Livestock/Animal Mortality, Medical Payments, Property, Umbrella

Carrier Status Admitted States All States except AL, AK, HI

Philadelphia Insurance Companies

Coverages CGL, GL, Inland Marine, Property, Umbrella

Carrier Status Admitted States All States except LA, VT

Ryan Specialty National Programs

Coverages Auto Comm-Nonstandard, Blanket Addt’l Insureds, Blanket Waivers, Care/Custody/Control, Crime, Employee Benefits, Excess Liab, GL, Hired & Non-owned Auto, Inland Marine, Lost Key, Pollution, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Skyward Specialty Insurance

Coverages Auto Comm-Standard, Care/Custody/Control, CGL, Commercial Excess, Completed Operations Liab, Equipment, Equipment Breakdown, Excess Liab, GL, Inland Marine, Liability, Pollution, Property, Tools & Equip, Workers’ Comp

Carrier Status Admitted, Non-admitted States All States

Sovereign Group Int’l Inc.

Coverages Business Income, Business Interruption, CGL, Commercial Excess, E&O, EPLI, Liquor Liab, Misc Professional Liab, Professional Liab, Property, Umbrella

Carrier Status Non-admitted States MA, NJ, NY

Specialty Wholesale Ins. Solution (SWIS), a Div of SPG

Status Admitted States CA

Distinguished Programs

Coverages Boiler & Machinery, Builders Risk, CGL, GL, Property, Umbrella, Vacant Building

Carrier Status Admitted, Non-admitted States All States

Element22 Insurance Services

Coverages Builders Risk, Catastrophe, Excess Flood, Fire, Flood, Hurricane, Property, Weather, Wind Carrier Status Non-admitted States All States

Flood Risk Solutions Inc.

Coverages Addt’l Living Expense, Builders Risk, Business Income, Business Interruption, Commercial Excess, Excess Flood, Flood, Personal Property Carrier Status Non-admitted States All States

FTP of California

Coverages CGL, Earthquake, GL, Property, Vacant Building Carrier Status Non-admitted States All States except OK, TX

HabPro Insurance

Coverages Business Income, Equipment Breakdown, Hired & Non-owned Auto, Property Carrier Status Non-admitted States All States except AK, FL, HI, LA IPC Coverages CGL, Equipment Breakdown, GL, Liability, Property, Vacant Building Carrier Status Non-admitted States 22 States

Cowbell Cyber Coverages Breach of Security, Business Income, Business Interruption, Cyber Liab Carrier Status Admitted, Non-admitted States All States except HI, VT

ProAlly

Coverages Abuse & Molestation, Medical Malpractice, Medical Professional, Professional Liab Carrier Status Non-admitted States All States

Orchards - Agriculture

Agricultural Insurance Mgmt Services

Coverages CGL, Contractors Equip, Products Liab, Property Carrier Status Admitted States Most States

Mark D. Fredricksen Insurance Services

Coverages Auto Comm-Standard, Equipment, Fire, Herbicide & Pesticide, Property Carrier Status Admitted States All States except DC

Osteopaths

TDC Specialty Underwriters Coverages Liability, Medical Malpractice, Professional Liab Carrier Status Admitted, Non-admitted States All States except KS, NH, NY

Coverages GL, Liability, Pollution, Pollution Liab, Property, Umbrella Carrier Status Admitted States All States

Petroleum Distributors

Midwestern Insurance Alliance LLC

Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States except ND, OH, WA, WY

Philadelphia Insurance Companies

Coverages Auto Comm-Standard, Crime, GL, Property, Umbrella Carrier Status Admitted States All States except LA

Target Managers Insurance Services

Coverages Auto Comm-Standard, CGL, Environmental Liab, Excess Liab, Pollution Liab, Property, Truck Auto Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Physician Assistants

ProAlly

Coverages Abuse & Molestation, Medical Malpractice, Medical Professional, Professional Liab Carrier Status Non-admitted States All States

Physicians

RPS Healthcare

Coverages D & O, EPLI, Medical Malpractice Carrier Status Admitted, Non-admitted States All States

TDC Specialty Underwriters

Coverages Liability, Medical Malpractice, Professional Liab

Builders & Tradesmen’s Insurance Services Inc. (BTIS) Coverages Excess Liab, GL Carrier Status Admitted States All States except AL, KS, LA, MS, TX, WI The Hanover Insurance Group Coverages Auto Comm-Standard, CGL, Crime, D&O, Environmental Liab, EPLI, Equipment, Fine Arts, GKLL, GL, Hull, Legal Liab, Liability, Liquor

World Wide Specialty, a Div of Philadelphia Ins. Co's Coverages Abusive Acts, Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, Care/Custody/Control, Crime, Cyber Liab, D&O, E&O, Employee Benefits, EPLI, Fidelity, Fidelity Bonds, GL, Hired & Non-owned Auto, Misc Professional Liab, Professional Liab, Property, Technology E&O, Umbrella, Workers’ Comp Carrier Status Admitted States All States

Professionals/Consultants/Contractors

Access E&S Insurance Services

Coverages Excess Liab, Pollution, Professional Liab

Carrier Status Non-admitted States AR, DC, DE, GA, IL, MD, NC, NJ, NY, OH, PA, SC, TN, TX, VA

CID Insurance Programs Inc.

Coverages Cyber Liab, E&O, EPLI, Excess Liab, GL, Hired & Non-owned Auto, Property, Workers’ Compensation

Carrier Status Admitted, Non-admitted States AZ, CA, CO, ID, MD, NE, NM, NV, OR, PA, TN, TX, UT, VA, WA

Commercial Sector Insurance Brokers LLC

Coverages CGL, Commercial Excess, Completed Operations

Liab, E&O, Excess Liab, GL, Liability, Misc Professional Liab, Pollution Liability, Professional Liability, Umbrella

Carrier Status Non-admitted States Most States

Indemnity Excess & Surplus Agency Inc.

Coverages CGL, EPLI, Excess Liab, Misc Professional Liab, Property Carrier Status Admitted, Non-admitted States AZ, CA, CO, HI, ID, NV, OR, TX, WA

Norman-Spencer International Inc.

Coverages E&O, Professional Liab Carrier Status Admitted States All States except AK, HI

Philadelphia Insurance Companies

Coverages BOP, Identity Theft, Misc Professional Liab

Carrier Status Admitted States All States except LA

Professional Underwriters Agency (PUA)

Coverages Pollution, Professional Liability

Carrier Status Admitted, Non-admitted States All States

RPS Technology & Cyber

Coverages BOP, Breach of Security, Business Income, Business Interruption, CGL, Combo Personal & Commercial, Completed Operations Liab, Crime, Cyber Liab, D&O, E&O, Employee Benefits, EPLI, Excess Liab, Fidelity, Fidelity Bonds, Fiduciary Liab, Hired & Non-owned Auto, Liability, Media Liab, Products Liab, Professional Liab, Property, Technology E&O, Umbrella Carrier Status Admitted States All States except DC

Sun Coast General Insurance Agency

Coverages D&O, E&O, EPLI Carrier Status Admitted, Nonadmitted States CA

Virtue Risk Partners LLC

Police/Law

Coverages Auto Comm-Standard, CGL, Commercial Excess, E&O, Environmental Liability, Workers’ Comp

Carrier Status Non-admitted States All States

Western Surplus Lines Agency Inc.

Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Commercial Excess, Hired & Non-owned Auto, Inland Marine, Misc Professional Liability, Pollution Liability

Carrier Status Non-admitted States LA, ND, NM, OK, TX

RealCare Insurance

Coverages E&O, Professional Liab Carrier Status Admitted, Non-admitted States All States

REInsurePro

Coverages Builders Risk, Business Income, CGL, Dwelling Fire, Earthquake, Equipment Breakdown, Flood, GL, Hail, Hurricane, Liability, Property, Real & Business Personal Prop, Rented Property, Residential Property, Tenant Discrimination, Vacant Building Carrier Non-admitted States All States except FL, LA, NY

Ryan Specialty National Programs

Coverages Collateral Protection, Force Place Fire Cvrg, GL, Mortgage Impairment, Mortgage REO Cvrg, Property, Vacant Building Carrier Status Non-admitted States All States

Southwest Risk

Coverages Builders Risk, CGL, Property, Umbrella Carrier Status Admitted, Non-admitted States All States

Unitas Financial Services

Coverages Dwelling Fire, E&O, Excess Damage, Foreclosed Properties, Liability, Property, Rented Property, Tenant Liability Carrier Status Non-admitted States All States except AK, HI

Property Managers

Apartment Insurance Consultants LLC

Coverages Equipment Breakdown, Property Carrier Status Admitted, Non-admitted States All States except AK, FL, HI, NY

Breckenridge Insurance

Coverages Earthquake, Flood, GL, Hail, Property, Wind Carrier Status Admitted States All States

Indemnity Excess & Surplus Agency Inc.

Coverages E&O, EPLI, Tenant Discrimination

Carrier Status Admitted States All States except DC, LA MG Skinner & Associates

Coverages Apartment House Package, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, Cyber Liab, Earthquake, EPLI, Excess Liab, Flood, Misc Professional Liab, Professional Liab, Tenant Discrimination, Umbrella, Wind, Workers’ Comp Carrier Status Admitted, Nonadmitted States All States

Professional Insurance Concepts

Coverages E&O, Professional Liab Carrier Status Admitted States All States

RealCare Insurance

Coverages E&O, Professional Liab Carrier Status Admitted, Non-admitted States All States

Ryan Specialty National Programs

Coverages Collateral Protection, Force Place Fire Cvrg, GL, Mortgage Impairment, Mortgage REO Cvrg, Property, Vacant Building Carrier Status Non-admitted States All States

Walter General Agency (WGA)

Coverages Blanket Addt’l Insureds, Blanket Waivers, Builders Risk, Business Income, Business Interruption, CGL, Excess Liab, GL, Liability, Medical Payments, Property, Umbrella

Carrier Status Non-admitted States AR, IL, IN, KS, KY, MO, OK, TN

Coverages Accident & Health, Accidental Death, Contingent

Coverages, Event Cancellation, Excess Liab, GL, Hired & Non-owned Auto, Inland Marine, Liquor Liab, Workers’ Comp

Carrier Status Admitted, Non-admitted States All States

Professional Employer OrGS (PEO’s)

Amwins - 150+ Locations Worldwide

Coverages Cyber Liab, EPLI, Workers’ Comp

Carrier Status Admitted States All States

Artex Risk Solutions Inc.

Coverages WC - Master Policies/ASO, Workers’ Comp

Carrier Status Admitted States All States

Philadelphia Insurance Companies

Coverages Business Income, Care/Custody/Control, CGL, Crime, D&O, Employee Benefits, EPLI, Fiduciary Liab, Fire Legal Liab, GL, Identity Theft, Legal Expense Ins, Personal Property, Professional Liab, Protection & Indemnity (P&I), Umbrella Carrier Status Admitted States All States except LA

Ryan Specialty National Programs

Coverages Abuse & Molestation, Blanket Addt’l Insureds, Blanket Waivers, Care/Custody/Control, Crime, Employee Benefits, EPLI, Excess Liab, GL, Hired & Non-owned Auto, Professional Liab, Property, Stop-Gap, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

U.S. Risk LLC

Coverages CGL, Crime, D&O, EPLI, Fiduciary Liab, Property, Workers’ Comp Carrier Status Non-admitted States All States

Property Management Firms

Breckenridge Insurance

Coverages Difference in Conditions, Earthquake, Flood, Property, Wind Carrier Status Admitted States All States

CID Insurance Programs Inc.

Coverages CGL, Commercial Excess, Cyber Liab, D&O, E&O, EPLI, Excess Liab, Fidelity, GL, Property, Tenant

Discrimination, Umbrella, Workers’ Compensation

Carrier Status Admitted, Non-admitted States AZ, CA, CO, ID, MD, NE, NM, NV, OR, PA, TN, TX, UT, VA, WA

HabPro Insurance

Coverages Business Income, Equipment Breakdown, Hired & Non-owned Auto, Property Carrier Status Non-admitted States All States except AK, FL, HI, LA

MG Skinner & Associates

Coverages Apartment House Package, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, Cyber Liab, E&O, Earthquake, EPLI, Excess Liab, Flood, Misc Professional Liab, Professional Liab, Property, Tenant

Discrimination, Umbrella, Wind, Workers’ Comp

Carrier Status Admitted, Non-admitted States All States

Philadelphia Insurance Companies

Coverages Commercial Auto, Boiler & Machinery, Business Income, Care/Custody/Control, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Legal Expense Ins, Personal Property, Professional Liab, Protection & Indemnity (P&I), Umbrella, Uninsured Motorists

Carrier Status Admitted States All States except LA

Public Entities

Gray Specialty

Coverages WC - Buyback Policies, WC - Captive Placement, Workers’ Comp, Workers’ Comp Plus (Alternative)

Carrier Status Admitted States Most States

Grundy Insurance

Coverages Auto Comm-Standard, CGL, D&O, E&O, EPLI, Equipment Breakdown, Excess Liab, Property, Public Officials

Carrier Status Admitted States All States except DC, HI

MAXIMUM

Coverages Boiler & Machinery, Builders Risk, Business Income, Business Interruption, Catastrophe, Earthquake, Equipment, Equipment Breakdown, Excess Flood, Flood, GL, Hurricane, Property, Public Officials, Umbrella

Carrier Status Admitted, Non-admitted States All States

Professional Governmental Underwriters

Coverages D&O, E&O, EPLI, Public Officials

Carrier Status Admitted, Non-admitted States All States

Public Entities of America (PEA)

Coverages Abuse & Molestation, Commercial Auto, Boiler & Machinery, Commercial Excess, D&O, E&O, Earthquake, Educator Legal Liab, Employee Benefits, EPLI, Equipment Breakdown, Fine Arts, Flood, GL, Hail, Inland Marine, Liquor Liab, Police Professional Liab, Professional Liab, Property, Public Officials, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States

RPS Signature Programs

Coverages Abuse & Molestation, Auto Comm-Standard, Crime, EPLI, Excess Liab, GL, Inland Marine, Physical

Damage, Police Professional Liab, Property, Public Officials

States All States

RPS Technology & Cyber

Coverages Cyber Liab, Legal Expense Ins, Media Liab

Carrier Status Admitted, Non-admitted States All States

Wright Specialty Insurance

Coverages Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, Business Income, CGL, Crime, Cyber Liab, EPLI, Equipment, Equipment Breakdown, Excess Liab, Fire, Inland Marine, Property, Public Officials

Carrier Status Admitted States Most States

Publishers

Cooper & McCloskey Inc.

Coverages Cyber Liab, D&O, E&O, EPLI, Kidnap/Ransom, Media Liab Carrier Status Admitted States CA

Professional Insurance Concepts

Coverages E&O, Professional Liab Carrier Status Admitted States All States

Real Estate Agents & Brokers

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

Coverages E&O, GL, Workers’ Comp Carrier Status Admitted States All States except AK

J.E. Brown & Associates

Coverages Cyber Liab, D&O, E&O, EPLI States AZ, CA, CO, NV, OR, TX, UT, WA

Landy Insurance Agency

Coverages BOP, Crime, Cyber Liab, E&O,

Quaker Special Risk, a Jencap Company (New Jersey) Coverages Blanket Addt’l Insureds, Blanket Waivers, Builders Risk, CGL, Commercial Excess, Contractors Equip, GL, Liability, Umbrella Carrier Status Non-admitted States Most States

REInsurePro

Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Completed Operations Liab, Contractors Equip, Products Liab Carrier Status Non-admitted States IN, MO, OH, PA, TX

Southwest Risk Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Umbrella Carrier Status Non-admitted States All States

Unitas Financial Services Coverages Liability, Property, Rented Property, Residential Property Carrier Status Non-admitted States All States except AK, HI, MI

Recording Studios

Alive Risk Coverages Accident & Health, Contingent Coverages, Event Cancellation, Excess Liab, GL, Hired & Non-owned Auto, Inland Marine, Liquor Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Records Storage & Info Mgmt

Risk Strategies, Transportation Group

Coverages Addt’l Expense, Auto Comm-Standard, Bailee/ Customer Goods, BOP, Business Income, Cargo, CGL, Crime, Cyber Liab, D&O, E&O, EPLI, Fidelity Bonds, Hired & Nonowned Auto, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States

Recycling Centers

Amwins - 150+ Locations Worldwide

Coverages Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, Environmental Liab, GL, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Apollo General Ins. Agency Inc.

Coverages Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, CGL, Commercial Excess, Contractors Equip, Contractors License Bonds, Environmental Liab, Equipment, Fidelity Bonds, Inland Marine, Performance & Payment Bonds, Pollution, Tools & Equip, Transportation Pollution Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except AK, HI

Registered Investment Advisors

CalSurance Associates, a Div. of Brown & Brown Program

Coverages E&O, Professional Liab Carrier Status Admitted States All States

ProSurance Group, a Div of One80 Intermediaries

Coverages Crime, E&O, Fidelity, Fidelity Bonds, Professional Liab Carrier Status Admitted, Non-admitted States All States

Residential Care Centers

Gateway Specialty Insurance

Residential Subcontractors

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

Coverages Auto Comm-Nonstandard, Auto Comm-Standard, Builders Risk, CGL, COC, Contractors Equip, Excess Liab, GL, Inland Marine, Property, Workers’ Comp

Carrier Status Admitted, Non-admitted

States All States except AK, FL, HI, MD, NY, VT

Omaha National Coverages Workers’ Comp Carrier Status Admitted States AZ, CA, CT, GA, IA, IL, NC, NE, NJ, NY, PA, SC

Quaker Special Risk, a Jencap Company (Florida)

Coverages CGL, Commercial Excess, GL, Liability, Umbrella

Carrier Status Non-admitted States Most States

Quaker Special Risk, a Jencap Company (Mass.)

Coverages CGL, Commercial Excess, GL, Liability, Umbrella

Carrier Status Non-admitted States Most States

Quaker Special Risk, a Jencap Company (New Jersey)

Coverages CGL, Commercial Excess, GL, Liability, Umbrella

Carrier Status Non-admitted States Most States

REInsurePro

Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Completed Operations Liab, Contractors Equip, Contractors

License Bonds, Excess Liab, Inland Marine, Pollution Liab, Products Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except NJ, NY

Southwest Risk

Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Umbrella Carrier Status Non-admitted States All States

Resorts

Amwins - 150+ Locations Worldwide

Coverages Auto Comm-Standard, Crime, Equipment Breakdown, GL, Inland Marine, Property, Workers’ Comp

Carrier Status Admitted States All States

Breckenridge Insurance

Coverages Auto Comm-Standard, Crime, Cyber Liab, D&O, GL, Inland Marine, Property, Umbrella, Workers’ Comp

Carrier Status Admitted States All States except AK, HI, NY

Distinguished Programs

Coverages Auto Comm-Standard, CGL, Cyber Liab, GL, Umbrella Carrier Status Admitted, Non-admitted States All States

K&K Insurance Group Inc.

Coverages Auto Comm-Standard, CGL, Crime, EPLI, Inland Marine, Liquor Liab, Property, Workers’ Comp

Carrier Status Admitted States All States except FL

MexiPass International Insurance Services LLC

Coverages Int’l Coverage - Commercial, Int’l CoveragePersonal Carrier Status Admitted States All States

Philadelphia Insurance Companies

E&O Carrier Status Admitted

States All States except AK, LA, WV

RealCare Insurance

Coverages E&O, Professional Liab Carrier Status Admitted

States All States except AK, LA, NY

RPS Signature Programs

Coverages E&O, Professional Liab Carrier Status Admitted

States All States

Target Professional Programs

Coverages E&O, Professional Liab

Carrier Status Non-admitted States All States

Real Estate Developers/Homebuilders

Quaker Special Risk, a Jencap Company (Florida)

Coverages Blanket Addt’l Insureds, Blanket Waivers, Builders

Risk, CGL, Commercial Excess, Contractors Equip, GL,

Liability, Umbrella Carrier Status Non-admitted

States Most States

Quaker Special Risk, a Jencap Company (Mass.)

Coverages Blanket Addt’l Insureds, Blanket Waivers, Builders

Risk, CGL, Commercial Excess, Contractors Equip, GL, Liability, Umbrella Carrier Status Non-admitted

States Most States

Coverages Abuse & Molestation, Accident & Health, Auto Comm-Standard, Blanket Addt’l Insureds, CGL, Crime, Cyber Liab, D&O, Employee Benefits, EPLI, Equipment Breakdown, Foreign GL, Hired & Non-owned Auto, Professional Liab, Property Carrier Status Admitted, Non-admitted States All States

Nonprofits Insurance Alliance

Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, Business Income, Business Interruption, CGL, Community/Social Svcs, Developmental Disabilities, EPLI, Fiduciary Liab, Fire Legal Liab, Hired & Non-owned Auto, Inland Marine, Liquor Liab, Mechanical Breakdown, Misc Professional Liab, Nonprofit D&O, Sexual Misconduct, Umbrella, Uninsured Motorists

Carrier Status Non-admitted States Most States

RPS Signature Programs

Coverages Abuse & Molestation, Auto Comm-Standard, Business Income, CGL, D&O, Employee Benefits, EPLI, Equipment Breakdown, Excess Liab, Hired & Non-owned Auto, Professional Liab, Property Carrier Status Admitted, Non-admitted States All States

Venture Insurance Programs

Coverages Auto Comm-Standard, Crime, Cyber Liab, D&O, GL, Inland Marine, Liquor Liab, Medical Malpractice, Professional Liab, Property, Real & Business Personal Prop, Sexual Misconduct, Umbrella Carrier Status Admitted States All States

Coverages Commercial Auto, Boiler & Machinery, Business Income, Business Interruption, Care/Custody/Control, CGL, Crime, D&O, Earthquake, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, Flood, Garage Keepers Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Liquor Liab, Participant Accident, Property, Real & Business Personal Prop, Sexual Misconduct, Tee-to-Green, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA

Professional Liability Ins. Svcs - Underwriting Facilities

Coverages Business Interruption, Food Borne Illness

Carrier Status Non-admitted States All States

Restaurants

Bass Underwriters

Coverages Excess Liab, GL, Liquor Liab, Property Carrier Status Non-admitted States All States

Berkley Luxury Group, a W.R. Berkley Company

Coverages CGL, Commercial Marine, Cyber Liability, GKLL, Hired & Non-owned Auto, Property, Umbrella

Carrier Status Admitted States AZ, CA, CO, CT, DC, GA, IL, MA, MD, MI, MN, MO, NC, NJ, NM, NV, NY, OH, OR, PA, SC, TN, VA, WI

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

Coverages BOP, Liquor Liab, Workers’ Comp

Carrier Status Admitted, Non-admitted States All States except AK

Business Alliance Insurance Company

Coverages BOP, Cyber Liab, EPLI, Equipment Breakdown, Liquor Liab Carrier Status Admitted States CA

CID Insurance Programs Inc.

Coverages Assault & Battery, GL, Liquor Liab, Personal Property, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States AZ, CA, CO, ID, MD, NE, NM, NV, OR, PA, TN, TX, UT, VA, WA

Distinguished Programs

Coverages CGL, Crime, Cyber Liab, EPLI, GL, Property,

Umbrella Carrier Status Admitted States All States

Element22 Insurance Services

Coverages CGL, Fire, Liability, Liquor Liab, Property, Umbrella, Wind Carrier Status Admitted States All States

Hull & Company

Coverages Assault & Battery, CGL, Property Carrier Status Non-admitted States All States except DC Irving Weber Associates Inc. (IWA)

Coverages Auto Comm-Standard, Boiler & Machinery, BOP, Business Income, Business Interruption, Crime, Employee

Benefits, EPLI, Equipment Breakdown, Fire, Food Borne Illness, Food Spoilage, GL, Identity Theft, Liability, Liquor

Liab, Mechanical Breakdown, Property, Real & Business

Personal Prop, Spoilage, Theft, Umbrella, Workers’ Comp

Carrier Status Admitted States All except AK, DC, FL, HI

Izzo Insurance Services, A division of Hull & Company LLC

Coverages Blanket Waivers, Workers’

Retail Stores

Apartment Insurance Consultants LLC

Coverages Equipment Breakdown, Property

Carrier Status Admitted, Non-admitted States All States except AK, FL, HI, NY

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

Coverages BOP, GL, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except AK

Business Alliance Insurance Company

Coverages BOP, Cyber Liab, EPLI, Equipment Breakdown

Carrier Status Admitted States CA

Distinguished Programs

Coverages Builders Risk, CGL, GL, Umbrella, Vacant Building

Carrier Status Admitted, Non-admitted States All States

Element22 Insurance Services

Coverages Boiler & Machinery, Builders Risk, Business Income, Business Interruption, Catastrophe, Equipment Breakdown, Fire, Flood, Hurricane, Property, Weather, Wind

Carrier Status Non-admitted States All States

Flood Risk Solutions Inc.

Coverages Addt’l Living Expense, Builders Risk, Business Income, Business Interruption, Commercial Excess, Excess Flood, Flood, Personal Property Carrier Status Non-admitted States All States

FTP of California

Coverages CGL, Earthquake, GL, Property

Carrier Status Non-admitted States All States except OK, TX

Monarch E&S Insurance Services

Coverages CGL, Fire, Fire Legal Liab, GL, Liability, Liquor Liab, Medical Payments, Products Liab, Property

Carrier Status Non-admitted States All States

Personal Safeguards Group LLC

Coverages Product Extended Warranty, Service Contracts, Warranties, Extended Carrier Status Admitted States All States

StateFund First, a Div of Arthur J Gallagher Ins Brokers of CA

Coverages Workers’ Comp, Workers’ Comp Plus (Alternative)

Carrier Status Admitted States CA

UCA General Insurance Services Inc.

Coverages Business Income, CGL, Cyber Liab, EPLI, Equipment Breakdown, Fire Legal Liability, Hired & Non-owned Auto, Medical Payments, Property, Umbrella

Carrier Status Admitted States AZ, CA, ID, NV, OR, UT, WA

Roller Skating Rinks

K&K Insurance Group Inc.

Coverages Auto Comm-Standard, Boiler & Machinery, Business Income, CGL, Crime, EPLI, Inland Marine, Property, Workers’ Comp Carrier Status Admitted States All States

Scaffold Erectors

Ascinsure Specialty Risk

Coverages Auto Comm-Standard, Cyber Liab, GL, Inland Marine, Liability, Property, Umbrella, Workers’ Comp

Carrier Status Non-admitted States All States

Construction Insurance Services LLC

Coverages Excess Liab, GL Carrier Status Non-admitted States All States

School Bus Operations

Gerald J. Wilkoff Inc.

Coverages Contractors License Bonds, Crime, Fidelity, Fidelity Bonds, Performance & Payment Bonds

Carrier Status Admitted States All States

KF&B Program Managers Insurance Services

Coverages Auto Comm-Standard, Hired & Non-owned Auto, Liability, Physical Damage, Uninsured Motorists

Carrier Status Admitted States All States except LA, MA, NJ

Philadelphia Insurance Companies

Coverages Abuse & Molestation, Auto Comm-Standard

Liability, Auto Comm-Standard Phys Dmg, CGL, Crime, Employee Benefits, Hired & Non-owned Auto, Inland Marine, Property, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except FL, LA, MI, NV, NY

Schools-Public/Private

AAU, A division of USG Insurance Services

Coverages Auto Comm-Standard Phys Dmg, Builders Risk, Crime, Cyber Liab, D&O, Damage in Process, EPLI, Equipment Breakdown, Flood, Hired & Non-owned Auto, Inland Marine, Medical Payments, Motor Truck Cargo, Property, Sexual Misconduct, Umbrella, Workers’ Compensation

Carrier Status Admitted, Non-admitted States All States

AllComp Solutions

Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States

AMIS/Alliance Marketing & Insurance Services LLC

Coverages Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, BOP, Liability, Property, Workers’ Comp States All States

Care Providers Insurance Services

Coverages Abuse & Molestation, Auto Comm-Standard, Crime, D&O, EPLI, Excess Liab, GL, Inland Marine, Professional Liab, Property Carrier Status Admitted States All States

Charity First Insurance Services Inc.

Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, Boiler & Machinery, Business Income, Crime, Cyber Liab, EPLI, Equipment Breakdown, Inland Marine, Nonprofit D&O, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States

Specialty Insurance

States IL, IN, OH

Coverages Assault & Battery, Boiler & Machinery, Business Income, Business Interruption, CGL, Completed Operations Liab, Crime, Employee Benefits, Equipment Breakdown, Fire, Food Spoilage, Garage Liability, GKLL, GL, HNOA, Liability, Liquor Liab, Property, Spoilage, Theft Carrier Status

Admitted, Non-admitted States AZ, CA, CT, DE, FL, GA, IL, MA, MD, MI, MN, MO, NC, NJ, NY, OH, PA, RI, SC, TN, TX

StateFund First, a Div of Arthur J Gallagher Ins Brokers of CA

Coverages Workers’ Comp, Workers’ Comp Plus (Alternative)

Carrier Status Admitted States CA

Sun Coast General Insurance Agency

Coverages BOP, GL, Liquor Liab, Property

Carrier Status Admitted, Non-admitted States CA

TAPCO Underwriters Inc.

Coverages GL, Liquor Liab, Property

Carrier Status Non-admitted States Most States

The McGowan Companies

Coverages Commercial Excess, Umbrella

Carrier Status Admitted States All States

UCA General Insurance Services Inc.

Coverages Business Income, CGL, Cyber Liab, EPLI, Equipment Breakdown, Fire Legal Liab, Hired & Non-owned Auto, Liquor Liab, Medical Payments, Property, Umbrella

Carrier Status Admitted States AZ, CA, ID, NV, OR, UT, WA

Walter General Agency (WGA)

Coverages Assault & Battery, Blanket Addt’l Insureds & Waivers, Boiler & Machinery, Business Income & Interruption, CGL, Commercial Excess, Completed Operations, DIC, EPLI, Equip Breakdown, Fire, Food Spoilage, GL, Inland Marine, Liability, Liquor Liab, Medical Payments, Products Liab, Property, Umbrella Carrier Status

Non-admitted States AR, IA, ID, IL, IN, KS, KY, MO, OK, TN

RV Dealerships

Arrowhead General Insurance Agency Inc.

Coverages Business Income, GL, Liability, Physical Damage, Property Carrier Status Admitted States Most States

K&K Insurance Group Inc.

Coverages Auto Comm-Standard, Boiler & Machinery, Business Income, CGL, Crime, Excess Liab, Garage Keepers Legal Liab, Garage Liability, Inland Marine, Property, Workers’ Comp Carrier Status Admitted States All States except FL MBA Insurance Agency of AZ Inc.

Coverages Auto Comm-Standard Liability, Auto CommStandard Phys Dmg Carrier Status Admitted States All States except DC, HI, MA

Ryan Specialty National Programs

Coverages Business Income, Crime, Cyber Liab, Dealers Open Lot, E&O, EPLI, Equipment Breakdown, Garage Keepers Legal Liab, Garage Liability, GL, Hired & Non-owned Auto, Identity Theft, Physical Damage, Property, Umbrella

Carrier Status Non-admitted States Most States

RV Parks

K&K Insurance Group Inc.

Coverages Auto Comm-Standard, Boiler & Machinery, CGL, Crime, EPLI, Inland Marine, Liquor Liab, Property, Workers’ Comp Carrier Status Admitted States All States except FL

Philadelphia Insurance Companies

Coverages Commercial Auto, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, Employee Benefits, Equipment Breakdown, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Professional Liab, Property, Real & Business Personal Prop, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA

Gray Specialty Coverages WC - Buyback Policies, Workers’ Comp, Workers’ Comp Plus Carrier Status Admitted States Most States

Great American Ins. Group, Specialty Human Svcs

Coverages Abuse & Molestation, Auto Comm-Nonstandard, Blanket Addt’l Insureds, Business Income, CGL, Commercial Excess, Community/Social Svcs, Crime, Educator Legal Liab, Employee Benefits, Equipment Breakdown, Excess Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Inland Marine, Misc Professional Liab, Professional Liability, Umbrella Carrier Status Admitted States All States except HI, LA, OK Nonprofits Insurance Alliance

Coverages Abuse & Molestation, Commercial Auto, Blanket Addt’l Insureds, Business Income, Business Interruption, CGL, Community/Social Svcs, Crime, Developmental Disabilities, EPLI, Fiduciary Liab, Fire Legal Liab, HNOA, Inland Marine, Mechanical Breakdown, Misc Professional, Nonprofit D&O, Sexual Misconduct, Umbrella, Uninsured Motorists Carrier Status Non-admitted States Most States

Philadelphia Insurance Companies

Coverages Abuse & Molestation, Commercial Auto, Boiler & Machinery, CGL, Crime, D&O, Earthquake, Educator Legal Liab, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, Flood, GL, Hired & Nonowned Auto, Identity Theft, Property, Real & Business

Personal Prop, Sexual Misconduct, Student Accident, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA

Professional Governmental Underwriters

Coverages D&O, E&O, Educator Legal Liab, EPLI

Carrier Status Admitted, Non-admitted States All States

Public Entities of America (PEA)

Coverages Abuse & Molestation, Commercial Auto, Commercial Excess, D&O, E&O, Educator Legal Liab, EPLI, GL, Police Professional Liab, Professional Liab, Property

Carrier Status Admitted, Non-admitted States AL, CO, GA, IL, IN, ME, MI, MN, MS, NC, NH, OH, PA, SC, TN, WI

Quantum Specialty Group

Coverages Abusive Acts, Mental Health Care Carrier Status Admitted, Non-admitted States All States

RPS Signature Programs

Coverages Abuse & Molestation, Auto Comm-Standard, Cyber Liab, Earthquake, Educator Legal Liab, EPLI, Excess Liab, Flood, GL, Property States All States

Wright Specialty Insurance

Auto Comm-Standard Liability, Auto CommStandard Phys Dmg,

Universal Insurance Programs

Coverages Pollution, Pollution Liab

Carrier Status Non-admitted States All States

Service Stations

Lancer Insurance Company

Coverages Garage Keepers Legal Liab, Garage Liability, GKLL Carrier Status Admitted, Non-admitted States CT, NJ, NY

Ship Repairers/Marine Artisan Contractor

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

Coverages Excess Liab, GL Carrier Status Admitted States All States except AL, KS, LA, MS, TX, WI

LIG Marine Managers

Coverages Care/Custody/Control, CGL, Commercial Marine, Completed Operations Liab, Equipment, Excess Liab, Hull, Legal Liab, Products Liab, Protection & Indemnity (P&I), Ship Repairers Legal, Tools & Equip, Umbrella, USL&H, Workers’ Comp Carrier Status Admitted States All States

The American Equity Underwriters Inc.

Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, CGL, Environmental Liab, Equipment, Excess Liab, Fidelity Bonds, Inland Marine, Performance & Payment Bonds, Pollution, Tools & Equip, Transportation Pollution Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except AK, HI

Securities Brokers/Dealers

CalSurance Associates, a Div. of Brown & Brown Program

Coverages E&O, Professional Liab Carrier Status Admitted States All States

Security Guard Firms

AMIS/Alliance Marketing & Insurance Services LLC

Coverages E&O, Liability Carrier Status Non-admitted States All States

Brownyard Group

Coverages Assault & Battery, Auto Comm-Standard, Blanket

Addt’l Insureds, Business Interruption, Care/Custody/Control, CGL, Commercial Excess, Crime, E&O, Fidelity, GL, Inland Marine, Liability, Lost Key, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except NE, WY

Izzo Insurance Services, A division of Hull & Company LLC

Coverages Auto Comm-Standard, Blanket Addt’l Insureds, Crime, E&O, EPLI, Excess Liab, Fidelity Bonds, GL,

Performance & Payment Bonds, Umbrella, Workers’ Comp

Carrier Status Admitted, Non-admitted States All States

NeitClem Wholesale Insurance Brokerage Inc.

Coverages Assault & Battery, Equipment, GL, Liability, Professional Liab Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX

Philadelphia Insurance Companies

Coverages Abuse & Molestation, Assault & Battery, Commercial Auto, Boiler & Machinery, Business Income, Care/Custody/Control, CGL, Crime, D&O, E&O, Employee

Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire

Legal Liab, GL, Hired & Non-owned Auto, Inland Marine, Legal Expense Ins, Personal Liab, Personal Property, Professional Liab, Property, Umbrella, Uninsured Motorists

Carrier Status Admitted States All States except LA

Ryan Specialty National Programs

Coverages Assault & Battery, Auto Comm-Nonstandard, Care/Custody/Control, Crime, E&O, Excess Liab, GL, Inland

Marine, Lost Key, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

The Mechanic Group, a Div of Specialty Programs Group

Coverages CGL, Commercial Excess, Contractors License

Bonds, D&O, E&O, Liability, Umbrella, Workers’ Comp

Carrier Status Non-admitted States All States

Self-Storage Facilities

GMI Insurance Services

Coverages Auto Comm-Standard, GL, Workers’ Comp

Carrier Status Admitted States All States

MiniCo Insurance Agency, a Jencap Company

Coverages Boiler & Machinery, BOP, Business Income, CGL, COC, Crime, Cyber Liab, Earthquake, Employee Benefits, EPLI, Fire, GL, Hired & Non-owned Auto, Legal Liab, Liability, Medical Payments, Personal Liab, Pollution, Products Liab, Property, Theft, Umbrella, Wind, Workers’ Comp

Carrier Status Admitted, Non-admitted States All States

Ryan Specialty National Programs

Coverages Business Income, Cyber Liab, EPLI, Excess Liab, GL, Pollution Liab, Property Carrier Status Non-admitted States All States

Coverages MEL, USL&H, Workers’ Comp States All States

The Hanover Insurance Group

Coverages GL, Marina Operators Legal, Protection & Indemnity (P&I) Carrier Status Admitted States All States

Ship Yards

Hull & Company

Coverages Care/Custody/Control, Ship Repairers Legal Carrier Status Non-admitted States All States except DC

LIG Marine Managers

Coverages CGL, Completed Operations Liab, Equipment, Hail, Products Liab, Protection & Indemnity (P&I), Ship Repairers Legal, Umbrella, USL&H, Workers’ Comp Carrier Status Admitted States All States

The American Equity Underwriters Inc.

Coverages MEL, USL&H, Workers’ Comp States All States

Shooting Ranges

Breckenridge Insurance

Coverages Auto Comm-Standard, Crime, Cyber Liab, D&O, GL, Inland Marine, Property, Umbrella, Workers’ Comp States All States except AK, HI, NY

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

Coverages CGL, Crime, Equipment Breakdown, Excess Liab, Firearms Liability, Liquor Liab, Medical Payments, Property, Umbrella Carrier Status Admitted States All States

Shopping Centers

Apartment Insurance Consultants LLC

Coverages Equipment Breakdown, Property Carrier Status Admitted, Non-admitted States All States except AK, FL, HI, NY

Breckenridge Insurance

Coverages Difference in Conditions, Earthquake, Flood, Property, Wind Carrier Status Admitted States All States

Flood Risk Solutions Inc.

Coverages Addt’l Living Expense, Builders Risk, Business Income, Business Interruption, Commercial Excess, Excess Flood, Flood, Personal Property Carrier Status Non-admitted States All States

FTP of California

Coverages CGL, Earthquake, GL, Property Carrier Status Non-admitted States All States except OK, TX

HabPro Insurance

Coverages Business Income, Equipment Breakdown, Hired & Non-owned Auto, Property Carrier Status Non-admitted States All States except AK, FL, HI, LA

Philadelphia Insurance Companies

Coverages Commercial Auto, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Earthquake, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, Flood, GL, Identity Theft, Inland

Marine, Property, Real & Business Personal Prop, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA

Promont Insurance Advisors

Coverages Cyber Liability, General Liability, Property States All States

The McGowan Companies Coverages Commercial Excess, Excess Liab, Umbrella Carrier Status Admitted States All States

UCA General Insurance Services Inc.

Coverages Business Income, CGL, Cyber Liab, EPLI, Equipment Breakdown, Fire Legal Liab, Hired & Non-owned Auto, Medical Payments, Property, Umbrella Carrier Status Admitted States AZ, CA, ID, NV, OR, UT, WA

Shuttle Service-Non Emergency Medical

JM Wilson Coverages Auto Comm-Nonstandard, Auto CommercialNonstandard Phys Dmg, Auto Comm-Standard, Auto CommStandard Liability, Auto Comm-Standard Physical Damage Carrier Status Admitted, Non-admitted States Most States

Shuttle Services

5Star Specialty Programs

Coverages Auto Comm-Nonstandard, Auto CommNonstandard Liability, Auto Comm-Nonstandard Phys Dmg, Commercial Auto, Excess Liab, GL, Workers’ Comp

Carrier Status Admitted States All States

National Indemnity Company Coverages Auto Comm-Nonstandard, Auto CommNonstandard Phys Dmg, Liability, Medical Payments, Uninsured Motorists Carrier Status Admitted, Non-admitted States All States except HI, MA, NJ, NY

Small to Mid-Sized Businesses

AMIS/Alliance Marketing & Insurance Services LLC

Coverages Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, BOP, Liability, Property, Workers’ Comp Carrier Status Admitted States All States

Applied Underwriters Inc.

Coverages Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, Compliance Mgmt, Cyber Liab, D&O, Int’l Coverage - Commercial, Pollution, Property, Warranties, Extended, Weather, Workers’ Comp Carrier Status Admitted States All States

Arrowhead General Insurance Agency Inc.

Coverages Auto Comm-Standard, BOP, Crime, Cyber Liab, E&O, EPLI, GL, Inland Marine, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States

Cowbell Cyber Coverages Breach of Security, Business Income, Business Interruption, Cyber Liab States Most States

Euclid Life Science Specialty LLC

Coverages Commercial Excess, Completed Operations Liab, E&O, Excess Liab, GL, Liability, Products Liab, Professional Liab Carrier Status Non-admitted States All States

J.E. Brown & Associates

Coverages BOP, Earthquake, GL, Inland Marine, Workers’ Comp States AZ, CA, CO, NV, OR, TX, UT, WA

Lancer Insurance Company

Coverages GL, Property Carrier Status Admitted States CT, NJ, NY, OH, PA

Markel

Coverages Blanket Addt’l Insureds, BOP, Business Income, Fire, Food Spoilage, Glass, Herbicide & Pesticide, Hired & Nonowned Auto, Liability, Liquor Liab, Property, Rented Property, Spoilage, WC - Master Policies/ASO, Wind, Workers’ Comp Carrier Status Admitted States All except FL, LA, NY, RI

ProWriters

Coverages BOP, E&O, GL Carrier Status Admitted States Most States

Roush Insurance Services Inc.

Coverages Addt'l Expense, Boiler & Machinery, Builders Risk, Business Income, Business Interruption, CGL, Commercial Excess, Crime, Cyber Liab, D&O, E&O, EPLI, Equipment Breakdown, Excess Liab, Fine Arts, Fire, Food Spoilage, GL, Hired & Non-owned Auto, Liability, Liquor Liab, Misc

Professional Liab, Nonprofit D&O, Pollution Liab, Products

Liab, Property, Real & Business Personal Prop, Technology

E&O Carrier Status Non-admitted States IL, IN, OH

RPS Technology & Cyber

Coverages Bailee/Customer Goods, BOP, Breach of Security, Care/Custody/Control, Commercial Excess, Crime, Cyber Liab, D&O, E&O, EPLI, Fidelity Bonds, Fiduciary Liab, Foreign GL, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Liability, Media Liab, Misc Professional Liab, Products Liability, Professional Liability, Property, Umbrella Carrier Status Admitted States All States

Snowmobile Tours - Guided

K&K Insurance Group Inc.

Coverages Auto Comm-Standard, CGL, EPLI, Inland Marine, Property, Workers’ Comp Carrier Status Admitted States All States

Social Clubs

Distinguished Programs

Coverages Umbrella Carrier Status Admitted, Non-admitted States All States

Great American Ins. Group, Specialty Human Services

Coverages Abuse & Molestation, Auto Comm-Nonstandard, Blanket Addt’l Insureds, Business Income, CGL, Commercial Excess, Community/Social Svcs, Crime, Educator Legal Liab, Employee Benefits, Equipment Breakdown, Excess Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Inland Marine, Misc Professional Liab, Professional Liab, Umbrella Carrier Status Admitted States All States except HI, LA, OK

K&K Insurance Group Inc.

Coverages Abuse & Molestation, CGL, Equipment, Inland

Marine Carrier Status Admitted States All States

Venture Insurance Programs

Coverages Auto Comm-Standard, Crime, GL, Inland Marine, Liquor Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States

Social Service Agencies

Affinity Nonprofits

Coverages Abuse & Molestation, Abusive Acts, Accident & Health, Auto Comm-Standard, Business Interruption, CGL, Crime, Cyber Liab, D&O, E&O, EPLI, Event Cancellation, Excess Liab, Fine Arts, Inland Marine, Nonprofit D&O, Participant Accident, Professional Liab, Property, Sexual

Misconduct Carrier Status Admitted States All States

AllComp Solutions

Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States

Care Providers Insurance Services

Coverages Abuse & Molestation, Auto Comm-Standard, Business Interruption, Crime, D&O, Equipment Breakdown, GL, Hired & Non-owned Auto, Liability, Participant Accident, Professional Liab, Property, Theft, Umbrella

Carrier Status Admitted States All

Philadelphia Insurance Companies

Coverages Abuse & Molestation, Commercial Auto, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Employee Benefits, EPLI, Fiduciary Liab, Fire Legal Liab, Food Spoilage, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Participant Accident, Professional Liab, Property, Real & Business Personal Prop, Sexual Misconduct, Umbrella, Uninsured Motorists

Carrier Status Admitted States All States except LA

RPS Signature Programs

Coverages Abuse & Molestation, Auto Comm-Standard, CGL, Cyber Liab, Employee Benefits, EPLI, Excess Liab, Hired & Non-owned Auto, Nonprofit D&O, Professional Liab, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Union General Insurance Services Inc.

Coverages Abuse & Molestation, Abusive Acts, Addiction

Treatment, Assault & Battery, Blanket Addt’l Insureds, BOP, CGL, Community/Social Svcs, Completed Operations Liab, Crime, Cyber Liab, D&O, EPLI, Excess Liab, Inland Marine, Nonprofit D&O, Professional Liab, Property, Religious Institutions, Sexual Misconduct, Umbrella

Carrier Status Admitted, Non-admitted States AZ, CA, ID, MT, NM, NV, OR, TX, UT, WA

Software Developers

Access E&S Insurance Services

Coverages Excess Liability, Professional Liability

Carrier Status Non-admitted States AR, DC, DE, GA, IL, MD, NC, NJ, NY, OH, PA, SC, TN, TX, VA

AMIS/Alliance Marketing & Insurance Services LLC

Coverages Auto Comm-Nonstandard Phys Dmg, Auto CommStandard, BOP, Liability, Property, Workers’ Comp Carrier Status Admitted States All States

RPS Technology & Cyber

Coverages BOP, Breach of Security, Business Income, Business Interruption, CGL, Combo Personal & Commercial, Completed Operations Liab, Crime, Cyber Liab, D&O, E&O, Employee Benefits, EPLI, Excess Liab, Fidelity, Fidelity Bonds, Fiduciary Liab, Hired & Non-owned Auto, Liability, Media Liab, Products Liab, Professional Liab, Property, Technology E&O, Umbrella Carrier Status Admitted States All States except DC

Solar Mfg. and/or Contractors

JM Wilson

Coverages Builders Risk, Business Income, Cargo, Crime, Cyber Liab, D&O, E&O, EPLI, Equipment Breakdown, Excess Liab, Flood, GL, Hired & Non-owned Auto, Inland Marine, Pollution Liab, Products Liab, Professional Liab, Property, Umbrella, Workers' Comp Carrier Status Non-admitted States All States except AK, HI, NY

Special Events

Alive Risk

Business Income, CGL, Community/Social Svcs, Crime, Cyber, D&O, Developmental Disabilities, EPLI, Excess, GL, Inland Marine, Managed Care, Professional Liab, Property, Umbrella Carrier Admitted, Non-admitted States All States

Jencap Specialty Insurance Services - Buffalo

Coverages Abuse & Molestation, Assault & Battery, Business Income & Interruption, Completed Operations, Cyber, D&O, E&O, Employee Benefits, EPLI, Excess Liab, Fiduciary Liab, Fire, GL, Hired & Non-owned Auto, Liability, Mental Health

Care, Misc Professional, Products Liab, Professional Liab, Property, Sexual Misconduct, Umbrella Carrier Admitted, Non-admitted States All except AK, HI, WY

MiniCo Insurance Agency, a Jencap Company

Coverages Abuse & Molestation, Addiction Treatment, Auto Comm-Standard, Boiler & Machinery, Business Income, Business Interruption, CGL, Community/Social Svcs, D&O, E&O, EPLI, Fiduciary Liab, Fire Legal Liab, GL, Hired & Nonowned Auto, Inland Marine, Liability, Medical & Physical Rehab, Medical Malpractice, Medical Payments, Products

Liab, Professional Liab, Umbrella, Workers’ Comp

Carrier Status Admitted, Non-admitted

States All States except HI, LA

Negley Associates

Coverages CGL, Professional Liab Carrier Status Non-admitted States All States

Nonprofits Insurance Alliance

Coverages Abuse & Molestation, Auto Comm-Standard, Auto Comm-Standard Phys Dmg, Business Income, Business Interruption, CGL, Crime, Developmental Disabilities, EPLI, Fiduciary Liab, Fire Legal Liab, Hired & Non-owned Auto, Inland Marine, Liquor Liab, Mechanical Breakdown, Misc

Professional Liab, Nonprofit D&O, Umbrella, Uninsured Motorists Carrier Status Non-admitted States Most States

Coverages Accident & Health, Contingent Coverages, Event Cancellation, Excess Liab, GL, Hired & Non-owned Auto, Inland Marine, Liquor Liab Carrier Status Admitted, Non-admitted States All States

Amwins - 150+ Locations Worldwide

Coverages Excess Liab, GL, Hired & Non-owned Auto, Liquor Liab, Umbrella Carrier Status Admitted, Non-admitted States All States

Gateway Specialty Insurance

Coverages GL, Liquor Liab Carrier Status Admitted, Non-admitted States Most States

Indemnity Excess & Surplus Agency Inc.

Coverages CGL, Liquor Liab Carrier Status Non-admitted States AZ, CA, CO, HI, ID, MT, NV, OR, TX, WA K&K Insurance Group Inc.

Coverages Auto Comm-Standard, Crime, D&O, Excess Liab, GL, Inland Marine, Property Carrier Status Admitted States All States

NeitClem Wholesale Insurance Brokerage Inc.

Coverages GL, Property Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX Number One Insurance Agency Coverages GL, Liquor Liab Carrier Status Admitted States MA

Philadelphia Insurance Companies

Coverages Business Interruption, CGL, Fire Legal Liab, GL, Inland Marine, Liquor Liab, Participant Accident, Real & Business Personal Prop Carrier Status Admitted States All States except LA

Public Entities of America (PEA)

Coverages Abuse & Molestation, Assault & Battery, Auto Comm-Nonstandard, Auto Comm-Standard, Business Income, Business Interruption, CGL, Crime, Cyber Liab, Excess Liab, Fire, GL, Glass, Hired & Non-owned Auto, Liability, Liquor Liab, Participant Accident, Physical Damage, Property, Trade Shows & Festivals Carrier Status Admitted States All States

Quantum Specialty Group

Coverages Abusive Acts, Mental Health Care

Carrier Status Admitted, Non-admitted States All States

TAPCO Underwriters Inc.

Coverages GL, Liquor Liab, Property

Carrier Status Non-admitted States Most States

www.insurancehelper.com

Coverages Abuse & Molestation, Blanket Addt’l Insureds, Blanket Waivers, CGL, Completed Operations Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Liability, Liquor Liab, Medical Payments, Participant Accident, Personal Liab, Products Liab, Trade Shows & Festivals

Carrier Status Non-admitted States All States

Substance Abuse Program Administrators

Addiction Treatment Providers Insurance Program

Coverages Abuse & Molestation, Addiction Treatment, Auto Comm-Standard, Business Income, Business Interruption, Community/Social Svcs, Cyber Liab, D&O, E&O, EPLI, GL, Hired & Non-owned Auto, Identity Theft, Liability, Medical Malpractice, Mental Health Care, Nonprofit D&O, Professional Liab, Property, Sexual Misconduct, Umbrella, Workers’ Comp Carrier Status Non-admitted States All States

Philadelphia Insurance Companies

Coverages CGL, Property Carrier Status Admitted States All States except LA

Surgery Centers

Pro-Praxis Insurance

Coverages E&O, Professional Liab Carrier Status Admitted States All States

Quaker Special Risk, a Jencap Company (Florida)

Coverages CGL, Commercial Excess, GL, Liability, Professional Liab Carrier Status Non-admitted States Most States

Quaker Special Risk, a Jencap Company (Mass.)

Coverages CGL, Commercial Excess, GL, Liability, Professional Liab Carrier Status Non-admitted States Most States

RPS Healthcare

Coverages D&O, EPLI, Excess Liab, GL, Medical Professional, Professional Liab, Property States All States

Tanning Salons

Insurtec Tanning and Spa Insurance

Coverages Addt’l Expense, BOP, Business Income, CGL, Crime, EPLI, Equipment Breakdown, Fire Legal Liab, Hired & Non-owned Auto, Professional Liab, Property, Tanning Liab Carrier Status Non-admitted States All States

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

Coverages Abuse & Molestation, CGL, Cyber Liab, Equipment Breakdown, Products Liab, Professional Liab, Property Carrier Status Non-admitted States All States

Sports & Fitness Insurance Corporation (SFIC)

Coverages CGL, Property Carrier Status Non-admitted States All States

Universal Insurance Programs

Coverages Abuse & Molestation, Business Income, Business Interruption, CGL, Crime, E&O, Employee Benefits, EPLI, Equipment Breakdown, Excess Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Liability, Products Liab, Professional Liab, Property, Real & Business Personal Prop, Stop-Gap, Theft, Umbrella Carrier Status Admitted States All States

Tattoo Parlors/Permanent Makeup/Body

Piercing

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

Coverages Abuse & Molestation, CGL, Cyber Liab, Equipment Breakdown, Products Liab, Professional Liab, Property Carrier Status Non-admitted States All States

Ryan Specialty National Programs

Coverages Assault & Battery, Business Income, Employee Benefits, GL, Hired & Non-owned Auto, Professional Liab, Property Carrier Status Non-admitted States All States except AK, HI

TX, WA, WY

Ryan Specialty National Programs

Coverages Misc Professional Liab, Professional Liab

Status Admitted States All States except VT

Professional Programs Coverages E&O, Professional Liab Carrier Status Admitted States All States except AK, HI, LA Taxi Service

RPS Technology & Cyber

Coverages BOP, Breach of Security, Business Income, Business Interruption, CGL, Combo Personal & Commercial, Completed Operations Liab, Crime, Cyber Liab, D&O, E&O, Employee Benefits, EPLI, Excess Liab, Fidelity, Fidelity Bonds, Fiduciary Liab, Hired & Non-owned Auto, Liability, Media Liab, Products Liab, Professional Liab, Property, Technology

E&O, Umbrella Carrier Status Admitted States All States except DC

Ryan Specialty National Programs

Coverages Abuse & Molestation, Blanket Addt’l Insureds, Blanket Waivers, Care/Custody/Control, Crime, Employee Benefits, EPLI, Excess Liab, GL, Hired & Non-owned Auto, Professional Liab, Property, Stop-Gap, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Staffing Lines

Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States

U.S. Risk LLC

Coverages Auto Comm-Standard Liability, CGL, Crime, E&O, EPLI, Excess Liab, Workers’ Comp

Carrier Status Non-admitted States All States

World Wide Specialty, a Div of Philadelphia Ins. Co's Coverages Abusive Acts, Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, Care/Custody/Control, Crime, Cyber Liab, D&O, E&O, Employee Benefits, EPLI, Fidelity, Fidelity Bonds, GL, Hired & Non-owned Auto, Misc Professional Liab, Professional Liab, Property, Technology E&O, Umbrella, Workers’ Comp Carrier Status Admitted States All States

Theatre Production Companies

Alive Risk

Coverages Accident & Health, Accidental Death, Contingent

Coverages, Event Cancellation, Excess Liab, GL, Hired & Non-owned Auto, Inland Marine, Liquor Liab, Workers’ Comp States All States

Great American Ins. Group, Specialty Human Services

National Indemnity Company

Coverages Auto Comm-Nonstandard, Auto CommNonstandard Phys Dmg, Garage Keepers Legal Liab, Medical Payments, Motor Truck Cargo, Uninsured Motorists

Carrier Status Admitted, Non-admitted States All States except HI, MA, NJ, NY

Omaha National Coverages Workers’ Comp Carrier Status Admitted States AZ, CA, CT, GA, IA, IL, NC, NE, NJ, NY, PA, SC

Trade Show Exhibitors

K&K Insurance Group Inc.

Coverages CGL, Equipment, Inland Marine Carrier Status Admitted States All States

www.insurancehelper.com

Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Completed Operations Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Liability, Liquor Liab, Medical Payments, Personal Liab, Products Liab, Trade Shows & Festivals

Carrier Status Non-admitted States All States

Translators & Interpreters

Professional Program Ins. Brokerage, a Div of SPG Ins. Sol. Coverages CGL, Cyber Liab, Professional Liab

Carrier Status Non-admitted States All States

Trap & Skeet Shooting Clubs

Breckenridge Insurance

Coverages Auto Comm-Standard, Crime, Cyber Liab, D&O, GL, Inland Marine, Property, Umbrella, Workers’ Comp States All States except AK, HI, NY

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

Coverages Auto Comm-Standard, Boiler & Machinery, Business Income, CGL, Equipment Breakdown, Firearms Liability, Liquor Liab, Property Carrier Status Admitted States All States

RPS

Carrier Status Admitted States All States

Temporary Staffing Firms

Artex Risk Solutions Inc.

Coverages Workers’ Comp, Workers’ Comp Plus (Alternative)

Carrier Status Admitted States All States

Cooper & McCloskey Inc.

Coverages CGL, Crime, E&O, EPLI Carrier Status Admitted, Non-admitted States AK, AZ, CA, CO, GA, HI, IL, NV, NY, OR, TN, TX, UT, WA

NSM Insurance Group

Coverages E&O, Workers’ Comp Carrier Status Admitted States All States

Philadelphia Insurance Companies

Coverages Commercial Auto, Boiler & Machinery, Business Income, Care/Custody/Control, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Legal Expense Ins, Personal Property, Professional Liab, Protection & Indemnity (P&I), Umbrella, Uninsured Motorists

Carrier Status Admitted States All States except LA

RPS Signature Programs

Coverages Crime, Cyber Liab, EPLI, GL, Hired & Non-owned Auto, Personal Liab, Property, Umbrella, Workers’ Comp States All States

Coverages Abuse & Molestation, Auto Comm-Nonstandard, Blanket Addt’l Insureds, Business Income, CGL, Commercial Excess, Community/Social Svcs, Crime, Educator Legal Liab, Employee Benefits, Equipment Breakdown, Excess Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Inland Marine, Misc Professional Liab, Professional Liab, Umbrella

Carrier Status Admitted States All States except HI, LA, OK

Title Agents

Gerald J. Wilkoff Inc.

Coverages Crime, Fidelity, Fidelity Bonds, Fiduciary Liab Carrier Status Admitted States All States

Professional Insurance Concepts Coverages E&O, Professional Liab Carrier Status Admitted States All States

Vanguard Specialty Coverages E&O, Professional Liab Carrier Status Non-admitted States All States

Tour & Charter Bus Services

5Star Specialty Programs Coverages Auto Comm-Nonstandard, Auto CommNonstandard Liability, Auto Comm-Nonstandard Phys Dmg, Commercial Auto, Excess Liab, GL, Workers’ Comp Carrier Status Admitted States All States

KF&B Program Managers Insurance Services Coverages Auto Comm-Standard, Liability Carrier Status Admitted States All States except LA, MA, NJ

Tow Truck Firms AllComp Solutions Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States

Arrowhead General Insurance Agency Inc.

Coverages Auto Comm-Standard Liability, Business Income, Business Interruption, Crime, Equipment, Equipment Breakdown, Garage Keepers Legal Liab, GL, Inland Marine, Pollution, Property Carrier Status Admitted States All States except DC, FL, LA, TX

KBK Insurance Group Inc.

Coverages

Travel Agents & Tour Operators

Mexico Insurance Online

Coverages Auto Pers-Nonstandard, Auto Pers-Standard, Boats, Emergency Towing & Service, Homeowners Pkg, Int’l Coverage - Personal, Liability, Physical Damage, Watercraft Liab States All States

Professional Underwriters Agency (PUA)

Coverages E&O, Professional Liab Carrier Status Admitted, Non-admitted States All States

Truck Dealers - Franchised

Ryan Specialty National Programs

Coverages Dealers Open Lot, E&O, Garage Liability, GL, Physical Damage, Property Carrier Status Non-admitted States Most States

Target Managers Insurance Services

Coverages EPLI, Workers’ Comp Carrier Status Admitted States AK, AL, AR, AZ, CA, CO, FL, GA, IL, IN, LA, MN, MS, NE, NJ, NM, NV, OK, OR, TN, TX, UT, WA, WI

Truckers/Trucking Firms

5Star Specialty Programs

Coverages Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, Cargo, Non-Trucking Auto Liab, Occupational Accident, Physical Damage, Workers’ Comp Carrier Status Admitted States All States except AK, HI, MA

Applied Underwriters Inc.

Coverages Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, Workers’ Comp Carrier Status Admitted States All States

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

Coverages GL, Workers’ Comp States All States except AK, DC, HI, NY

Freberg Environmental Inc.

Coverages Auto Comm-Nonstandard, Auto CommNonstandard Phys Dmg, CGL, GL, Hired & Non-owned Auto, Pollution, Pollution Liab, Transportation Pollution Liab, Uninsured Motorists Carrier Status Admitted States All States except AK, FL, MA, NJ, NY

GMI Insurance Services

Coverages Auto Comm-Nonstandard Phys Dmg, Auto CommStandard Phys Dmg, Cargo, CGL, GL, Long Haul, Motor Truck Cargo, Theft, Workers’ Comp Carrier Status Non-admitted States All States except DC, MA, NY, VA Interline Insurance Services

Coverages Auto Comm-Standard Phys Dmg, Cargo, Truck Auto Liab Carrier Status Admitted States AZ, CA, NV

Truckers/Trucking Firms (continued)

DMI Insurance Services

Coverages Dealers Open Lot, E&O, Garage Keepers Legal Liab, Garage Liability, Physical Damage, Property, Uninsured Motorists Carrier Status Admitted States Most States

GMI Insurance Services

Coverages Auto Comm-Standard, Garage Liability, GL, Workers’ Comp Carrier Status Admitted States All States except MA, NY

KBK Insurance Group Inc.

Coverages Dealers Open Lot, Garage Keepers Legal Liab, Garage Liability, On-Hook Cargo, Property, Umbrella

Carrier Status Admitted States All States except AK, DC, HI, MA, NY

M.J. Hall & Company Inc.

Coverages Business Interruption, Commercial Excess, Dealers Open Lot, Excess Liab, Fire, Garage Liability, GKLL, Medical Payments, Property, Real & Business Personal Prop Carrier Status Non-admitted States AK, AZ, CA, CO, ID, KS, MT, NE, NM, NV, OK, OR, SD, TX, UT, WA, WY

National Indemnity Company

Coverages Dealers Open Lot, Garage Keepers Legal Liab, Garage Liability, GKLL, Medical Payments, Uninsured Motorists Carrier Status Admitted, Non-admitted States All States except HI, MA, NJ, NY

Union General Insurance Services Inc.

Coverages CGL, E&O, Garage Keepers Legal Liab, Garage Liability, GKLL, GL, Products Liab, Professional Liab, Property, Uninsured Motorists Carrier Status Non-admitted States AZ, CA, ID, MT, NM, OR, TX, UT

Walter General Agency (WGA)

Coverages Dealers Open Lot, Excess Liab, Garage Keepers Legal Liab, Garage Liability, GKLL, Medical Payments, Property, Umbrella, Uninsured Boaters, Uninsured Motorists

Carrier Status Non-admitted States AR, IL, MO, OK

Utilities-Natural Gas Companies

Amwins - 150+ Locations Worldwide

Coverages Auto Comm-Standard, Boiler & Machinery, GL, Inland Marine, Property, Public Officials, Railroad Protective Liab, Umbrella Carrier Status Admitted States All States

Valet Parking Companies

McLeckie Insurance Group

Coverages Garage Keepers Legal Liab, Legal Liab

Carrier Status Non-admitted States All States

Shelly, Middlebrooks & O’Leary Inc.

Coverages Business Income, Business Interruption, Crime, EPLI, Excess Auto, Excess Liab, Garage Keepers Legal Liab, Garage Liability, GKLL, GL Carrier Status Non-admitted States FL, GA, TX

U.S. Risk LLC

Coverages CGL, Garage Keepers Legal Liab, GKLL

Vitamin/Health Food Suppliers

CRC Insurance Services

Coverages CGL, EPLI, Products Liability

Carrier Status Non-admitted States All States

Euclid Life Science Specialty LLC

Coverages Commercial Excess, Completed Operations Liab, E&O, Excess Liab, GL, Liability, Products Liab, Professional Liab Carrier Status Non-admitted States All States

NeitClem Wholesale Insurance Brokerage Inc.

Coverages Completed Operations Liab, Foreign GL, GL, Liability, Product Extended Warranty, Products Liab

Carrier Admitted, Non-admitted States AZ, CA, NV, TX

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

Coverages Cyber Liab, GL, Products Liab, Property

Carrier Status Non-admitted States All States

Quaker Special Risk, a Jencap Company (Mass.)

Coverages CGL, Commercial Excess, GL, Liability, Products

Liab Carrier Status Non-admitted States Most States

Quaker Special Risk, a Jencap Company (New Jersey)

Coverages CGL, Commercial Excess, GL, Liability, Products Liab Carrier Status Non-admitted States Most States

Warehouse Operators

Element22 Insurance Services

Coverages Business Income, Business Interruption, Excess Flood, Flood, Hail, Hurricane, Property, Weather, Wind Carrier Status Non-admitted States AL, FL, GA, LA, MS, NC, SC, TX, VA

Gorst & Compass Insurance

Coverages BOP, Business Income

Carrier Status Non-admitted States CA

Waste Haulers

Amwins - 150+ Locations Worldwide

Coverages Auto Comm-Standard, Environmental Liab, GL, Pollution, Umbrella States All except DC, HI, MD, NJ, VA

Beacon Hill Associates

Coverages CGL, E&O, Environmental Liab, Pollution, Pollution Liab, Transportation Pollution Liab, Workers’ Comp States All States

Container Refrigeration Break, Contingent Coverages, Crime, Cyber Liab, D&O, E&O, EPLI, Excess Auto, Excess Liab, GL, Inland Marine, Long Haul, Motor Truck Cargo, Non-Trucking Auto Liab, On-Hook Cargo, Physical Damage, Professional Liab, Transportation Pollution Liab, Truck Auto Liab, Truck Broker Carrier Status Admitted, Non-admitted States FL, GA, NC, SC, TX

Star Mutual RRG

Coverages Auto Comm-Nonstandard, Auto Comm-

Nonstandard Liability, Auto Comm-Standard, Auto CommStandard Liability Carrier Status Admitted, Non-admitted States AZ, CA, DE, IA, IL, KS, MO, NC, NJ, OH, PA, SC, TN

StateFund First, a Div of Arthur J Gallagher Ins Brokers of CA

Coverages Workers’ Comp, Workers’ Comp Plus (Alternative)

Carrier Status Admitted States CA

Union General Insurance Services Inc.

Coverages Blanket Addt’l Insureds, CGL, GL, Long Haul

Carrier Status Admitted States AZ, CA, ID, MT, NM, NV, OR, TX, UT, WA

Western Surplus Lines Agency Inc.

Coverages CGL, Excess Liab Carrier Status Non-admitted States ND, NM, OK, TX

Used Car Dealers

AAU, A division of USG Insurance Services

Coverages Auto Comm-Standard Phys Dmg, CGL, Dealers Open Lot, EPLI, Garage Keepers Legal Liab, Garage Liability, Motor Truck Cargo, Umbrella Carrier Status Admitted, Non-admitted States All States

Amwins - 150+ Locations Worldwide

Coverages Crime, Cyber Liab, Dealers Open Lot, Garage Liability, Pollution, Property States All States except MA, NY

Carrier Status Non-admitted States All States

Vendor Management Services

Proctor Loan Protector

Coverages Blanket Forced Placed, E&O, Excess Flood, Flood, Force Place Fire Cvrg, Foreclosed Properties, High Valued Homes, Mobile Home Ins, Mortgage Impairment, Mortgage REO Cvrg, Rented Property, Residential Property Carrier Status Non-admitted States All States

Southeastern Underwriters Inc. (SUI)

Coverages Collateral Protection, E&O, Physical Damage

Carrier Status Admitted States All States

World Wide Specialty, a Div of Philadelphia Ins. Co's

Coverages Abusive Acts, Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, Care/Custody/Control, Crime, Cyber Liab, D&O, E&O, Employee Benefits, EPLI, Fidelity, Fidelity Bonds, GL, Hired & Non-owned Auto, Misc Professional Liab, Professional Liab, Property, Technology

COMMERCIAL TRUCKING (1-100+ Units)

Our underwriters have long-standing relationships with “A” rated carriers and have the expertise and coverage you can depend on.

• Filings made promptly

• Risk management/Claims services

• Direct bill/Agency bill options

• Liability up to $1M CSL

• Pollution coverage available CA 9948

• Hired auto physical damage available

• Combined deductibles available on physical damage and cargo

Contact us to learn more. hello@jmwilson.com (800) 666-5692

Jencap Specialty Insurance Services (Environmental)

Coverages Auto Comm-Standard, GL, Pollution, Pollution

Liab, Workers’ Comp Carrier Status Non-admitted States All States

Omaha National

Coverages Workers’ Comp Carrier Status Admitted States AZ, CA, CT, GA, IA, IL, NC, NE, NJ, NY, PA, SC

Water Well Drilling Operation Co’s

Amwins - 150+ Locations Worldwide

Coverages Auto Comm-Standard, GL, Inland Marine, Property, Umbrella Carrier Status Admitted States All States except AR, CO, LA, OR, SC

Western Surplus Lines Agency Inc.

Coverages CGL, Control of Well, Inland Marine

Carrier Status Non-admitted States LA, ND, NM, OK, TX

Water/Wastewater Facilities

Beacon Hill Associates

Coverages CGL, E&O, Environmental Liab, Pollution, Pollution Liab, Transportation Pollution Liab, Workers’ Comp States All States

Freberg Environmental Inc.

Coverages CGL, Environmental Liab, Excess Liab, GL, Pollution, Pollution Liab, Transportation Pollution Liab

Grundy Insurance Coverages Auto Comm-Standard, CGL, Crime, D&O, E&O, EPLI, Equipment Breakdown, Excess Liab, Property, Public

Wineries

Professional Liability Ins. Svcs - Underwriting Facilities

Coverages E&O, Professional Liability

Carrier Status Non-admitted States All States

Wood Workers

Continental Underwriters Inc.

Coverages BOP, Builders Risk, Business Income, Business Interruption, Combo Personal & Commercial, Commercial Excess, Commercial Marine, Contractors Equip, Crime, Equipment Breakdown, Excess Liab, Flood, GL, Inland Marine, Int’l Coverage - Commercial, Int’l CoveragePersonal, Personal Liab, Property, Stop-Gap, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Midwestern Insurance Alliance LLC

Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States AL, AR, AZ, CO, GA, IA, IL, KS, KY, MO, NC, NE, NM, NV, PA, SC, TN, TX, UT, VA Omaha National

Coverages Workers’ Comp Carrier Status Admitted States AZ, CA, CT, GA, IA, IL, NC, NE, NJ, NY, PA, SC

Wrecking Contractors

Apollo General Ins. Agency Inc.

Coverages Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, CGL, Contractors Equip, Employee Benefits, Environmental Liab, EPLI, Equipment, Excess Liab, Fidelity, Fidelity Bonds, Inland Marine, Performance & Payment Bonds, Pollution, Property, Railroad Protective Liab, Real & Business Personal Prop, Stop-Gap, Tools & Equip, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Yacht Clubs

Markel Personal Lines

Coverages Boats, Commercial Marine, Hull, Pollution Liab, Watercraft Liab Carrier Status Admitted States All States

The Hanover Insurance Group

Coverages Auto Comm-Standard, CGL, Crime, D&O, Environmental Liab, EPLI, Equipment, Fine Arts, GKLL, GL, Hull, Legal Liab, Marina Operators Legal, Physical Damage, Piers & Docks, Pollution Liab, Products Liab, Property, Protection & Indemnity (P&I), Watersports Liab, Workers’ Comp Carrier Status Admitted States All States

Yachts/Mega Yachts

Bass Underwriters

Coverages Hull, Protection & Indemnity (P&I) Carrier Status Admitted, Non-admitted States All States

Markel Personal Lines

Coverages Hull, Liability, Medical Payments, Pollution Liab, Uninsured Boaters, Watercraft Liab Carrier Status Admitted States All States

Quaker Special Risk, a Jencap Company (Florida)

Status Admitted States All States except AK, HI, LA

www.insurancehelper.com

Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Completed Operations Liab, Event Cancellation, Fire Legal

Liab, GL, Hired & Non-owned Auto, Liability, Liquor Liab, Medical Payments, Personal Liab, Physical Damage Rental

Units, Products Liab, Trade Shows & Festivals, Weather Carrier Status Non-admitted States All States

Wildlife Control

Brownyard Group

Coverages Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, Care/Custody/Control, CGL, Commercial

Excess, Completed Operations Liab, Crime, E&O, Environmental Liab, Equipment Breakdown, Fidelity, Fire

Legal Liab, GL, Herbicide & Pesticide, Inland Marine, Liability, Lost Key, Medical Payments, Pollution Liab, Products Liab, Professional Liab, Property, Umbrella, Workers’ Comp

Carrier Status Admitted, Non-admitted

States All States except LA

Coverages Hull, Watercraft Liab Carrier Status Non-admitted States All States

Quaker Special Risk, a Jencap Company (New Jersey)

Coverages Hull, Protection & Indemnity (P&I), USL&H Carrier Status Non-admitted States Most States

Sun Coast General Insurance Agency

Coverages Boats, Commercial Marine, Hull, Liability, Piers & Docks, Ship Repairers Legal, Uninsured Boaters, Watercraft Liab, Wet Marine Carrier Status Admitted, Non-admitted States AK, AZ, CA, FL, NV, OR, UT, WA

Youth Sports Associations

Affinity Nonprofits

Coverages D&O, EPLI, Fiduciary Liab, Nonprofit D&O

Carrier Status Admitted States All States

Alive Risk Coverages Accident & Health, Excess Liab, GL, Inland Marine, Prize Indemnification Carrier Status Admitted, Non-admitted States All States

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

Coverages E&O, GL Carrier Status Admitted S tates All States except AK

Gateway Specialty Insurance

Coverages Abuse & Molestation, EPLI, GL, Nonprofit D&O, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States except AK, HI, LA

K&K Insurance Group Inc.

Coverages Abuse & Molestation, CGL, Crime, D&O, Equipment, Inland Marine, Participant Accident, Property, Workers’ Comp Carrier Status Admitted States All States

NSM Insurance Group

Coverages Abuse & Molestation, Accident & Health, Accident & Sickness, Accidental Death, Assault & Battery, Commercial Auto, Blanket Addt’l Insureds, BOP, Business Income, Business Interruption, Care/Custody/Control, CGL, Equipment, Equipment Breakdown, GL, Inland Marine, Liability, Liquor Liab, Participant Accident, Pool & Spa Liab, Professional Liab, Property, Umbrella

Carrier Status Admitted, Non-admitted States All States

Philadelphia Insurance Companies

Coverages Abuse & Molestation, Commercial Auto, Boiler & Machinery, CGL, D&O, Employee Benefits, EPLI, Fiduciary

Liab, Fire Legal Liab, GL, Identity Theft, Inland Marine, Participant Accident, Property, Real & Business Personal Prop, Sexual Misconduct, Umbrella, Uninsured Motorists

Carrier Status Admitted States All States except LA

RPS Signature Programs

Coverages Abuse & Molestation, Blanket Addt’l Insureds, Crime, D&O, EPLI, Equipment, Excess Liab, GL, Hired & Nonowned Auto, Property, Student Accident States All States

Sports & Fitness Insurance Corporation (SFIC)

Coverages Accident & Health, Accidental Death, Flood, GL, Medical, Property Carrier Status Admitted States All States

Sports & Wellness Insurance

Coverages Accident & Health, Crime, Cyber Liab, D&O, GL, Hired & Non-owned Auto, Inland Marine, Property, Umbrella

Carrier Status Admitted States All States www.insurancehelper.com

Coverages Abuse & Molestation, Blanket Addt’l Insureds, Blanket Waivers, CGL, Completed Operations Liab, GL, Hired & Non-owned Auto, Liability, Liquor Liab, Medical Payments, Participant Accident, Personal Liab, Products Liab, Sexual Misconduct, Trade Shows & Festivals

Carrier Status Non-admitted States All States

5Star Specialty Programs

See Website for Addresses Headquarters - Melbourne, FL

Phone: (877) 247-9772, Fax: (321) 757-6147 marketing@5starsp.com www.5starsp.com

AAU, A division of USG Insurance Services 1000 Town Center Way, Ste. 300 Canonsburg, PA 15317

Phone: (724) 754-9078, Fax: (724) 265-5751 lesselstyn@aauins.com www.aauins.com

Access E&S Insurance Services

2001 N. Lincoln St., Arlington, VA 22207

Phone: (703) 248-2566, Fax: (703) 248-2565 Tim@Access-ES.com www.Access-ES.com

Addiction Treatment Providers Insurance Program

555 E. North Lane, Ste. 6060 Conshohocken, PA 19428 Phone: (610) 808-9556 nsmmarketing@nsminc.com atpinsure.com

Affinity Nonprofits

2001 K Street, NW, Ste. 625 North Washington, DC 20006 Phone: (800) 432-7465, Fax: (800) 701-1982 info@affinitynonprofits.com www.affinitynonprofits.com

Agency Marketing Services

9800 4th St. N, Ste. 400, St. Petersburg, FL 33702 Phone: (800) 542-2805, Fax: (727) 343-4123 info@agencymarketing.com www.agencymarketing.com

Agricultural Insurance Mgmt Svcs.

1496 Route 3A, Ste. 10, Bow, NH 03278 Phone: (877) 552-2467, Fax: (603) 225-9318 jlp@aimscentral.com www.aimscentral.com

Alive Risk

81 S. 9th St., Ste. 400, Minneapolis, MN 55402 Phone: (612) 284-4264 Contact@aliverisk.com aliverisk.com

AllComp Solutions

555 E. North Lane, Ste. 6060 Conshohocken, PA 19428 Phone: (610) 808-9586, Fax: (610) 941-9889 jagara@nsminc.com allcompsolutions.com

Amalgamated Insurance Underwriters

1 Paragon Dr., Ste. 265, Montvale, NJ 07645 Phone: (845) 426-0400 hello@aiu-usa.com aiu-usa.com

For more info, see our ad on page 13 (National).

American Collectors Insurance, Inc.

951 Haddonfield Rd., Ste. 2A, Cherry Hill, NJ 08002 Phone: (888) 314-6647, Fax: (856) 755-7440 info@americancollectors.com americancollectors.com

American Management Corporation

1109 Oak Street, Conway, AR 72032 Phone: (855) 458-2835, Fax: (501) 932-3135 submissions@amcins.com www.amcinsurance.com

AMIS/Alliance Marketing & Insurance Services, LLC

P.O. Box 567, San Marcos, CA 92079 Phone: (760) 471-7116, Fax: (760) 471-9378 snowell@amiscorp.com www.amisinsurance.com

Amwins - 150+ Locations Worldwide

See Website for Locations Headquarters - Charlotte, NC

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

Anderson & Murison, Inc.

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

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

Apartment Insurance Consultants, LLC

7000 N. Mopac Expy, Ste. 250, Austin, TX 78731

Phone: (512) 467-7299, Fax: (512) 452-7288 amandas@aicinsure.com www.AICinsure.com

Apollo General Ins. Agency, Inc.

P.O. Box 1508, Sonoma, CA 95476

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

Bass Underwriters

6951 W. Sunrise Blvd., Plantation, FL 33313 Phone: (954) 473-4488, Fax: (954) 317-3100 marketing@bassuw.com www.bassuw.com

Solutions with Service that Matters. Driven by relationships, at Bass, agents are our priority. “How can we serve you?” is our attitude. We have grown from a vision that our general agents should receive quality relationships along with timely and courteous service.

Beacon Hill Associates

P.O. Box 1532, Charlottesville, VA 22902

Phone: (800) 596-2156, Fax: (434) 979-8964 info@b-h-a.com b-h-a.com

Berkley Luxury Group, a W.R. Berkley Company 301 Route 17 N, Ste. 900, Rutherford, NJ 07070 Phone: (800) 504-7012 mail@berkleyluxurygroup.com www.berkleyluxurygroup.com

Berkley Select | a Berkley Company

550 W. Jackson Blvd., Ste. 500, Chicago, IL 60661 Phone: (312) 800-6200, Fax: (312) 207-1839 info@berkleyselect.com www.berkleyselect.com

Applied Underwriters, Inc.

10805 Old Mill Road, Omaha, NE 68154

Phone: (877) 234-4450, Fax: (877) 234-4452 sales@auw.com auw.com/MoreToLove

For more infotmation, check out our ads on the Back Cover and pages 2 & 3 (National).

Arrowhead General Insurance Agency, Inc.

701 B St., Ste. 2100, San Diego, CA 92101 Phone: (800) 669-1889, Fax: (619) 881-8695 MarketingInfo@ArrowheadGrp.com www.ArrowheadGrp.com

Artex Risk Solutions, Inc.

2850 Golf Rd., 5th Fl, Rolling Meadows, IL 60008 Phone: (630) 694-5050 artexinfo@artexrisk.com www.artexrisk.com

Ascinsure Specialty Risk

4 Gateway Ctr, 444 Liberty Ave, Ste. 400 Pittsburgh, PA 15222 Phone: (877) 372-0517, Fax: (888) 316-9016 Rikki_Concannon@rpsins.com www.ascinsure.com

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.

Breckenridge Insurance

3550 George Busbee Pkwy NW, Ste. 300 Kennesaw, GA 30144 Phone: (855) 728-8822 solved@breckis.com www.breckis.com

Brownyard Group

21 Maple Ave., P.O. Box 9175, Bay Shore, NY 11706 Phone: (800) 645-5820, Fax: (631) 666-5723 info@brownyard.com www.brownyard.com

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

6610 Sierra College Blvd., Rocklin, CA 95677 Phone: (877) 649-6682, Fax: (916) 772-9292 info@btisinc.com www.btisinc.com

Business Alliance Insurance Company 400 Oyster Point Blvd., Ste. 32, South San Francisco, CA 94080 Phone: (650) 866-3999, Fax: (650) 866-3996 sbarsotti@ebaic.com www.ebaic.com

CalSurance Associates, a Div. of Brown & Brown Program Ins. Svcs

681 S. Parker St., Ste. 300, Orange, CA 92868 Phone: (800) 745-7189, Fax: (800) 607-6875 info@calsurance.com www.calsurance.com

Care Providers Insurance Services 19111 N. Dallas Pkwy, Ste. 250, Dallas, TX 75287 Phone: (972) 427-4199 nsmmarketing@nsminc.com cpsinsure.com

Charity First Insurance Services, Inc.

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

Phone: (800) 352-2761

Frank_Tarantino@charityfirst.com www.charityfirst.com

ChemPlan - Chemical Insurance

8121 Vicela Dr., Sarasota, FL 34240

Phone: (800) 410-1511, Fax: (941) 379-2668 dhagan@chemplan.net www.chemplan.net

CID Insurance Programs, Inc.

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

Phone: (800) 922-7283, Fax: (619) 593-2008 programs@cidinsurance.com www.cidinsurance.com

Coastal Insurance Underwriters, Inc.

P.O. Box 3140, Ponte Vedra Beach, FL 32004 Phone: (904) 285-7683, Fax: (904) 395-0038 info@ciuins.com www.ciuins.com

Commercial Sector Insurance Brokers, LLC

600 Corporate Pkwy, Ste. 250 Birmingham, AL 35242

Phone: (205) 776-1600, Fax: (205) 776-1619 bbleistine@comsectorins.com www.comsectorins.com

Community Association Insurance Solutions, LLC

5045 Robert J. Mathews Pwky, Ste. 100 El Dorado Hills, CA 95762 Phone: (888) 833-4158, Fax: (888) 833-4159 marketing@mgalive.com www.caislive.com

Community Association Insurance Solutions (CAIS), is an MGA and Program Administrator specializing in protecting Homeowners' Associations (HOAs), Townhomes, and both residential and commercial Condominiums (Condos) & Planned Unit Developments (PUDs). Our online program includes coverage for both non-payroll accounts and payroll accounts. Coverage for volunteers, board and committee members included.

Construction Insurance Services, LLC

5949 Sherry Ln., Ste. 1460, Dallas, TX 75225 Phone: (214) 884-1800, Fax: (214) 884-1801 kcurley@constructioninsuranceservices.com www.constructioninsuranceservices.com

Continental Underwriters, Inc.

3435-A W. Leigh Street, Richmond, VA 23230 Phone: (804) 643-7800, Fax: (804) 643-5800 info@contund.com www.contund.com

Cooper & McCloskey, Inc.

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

Phone: (415) 433-7700, Fax: (415) 433-7707 keltie@cmiprorisk.com www.cmiprorisk.com

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 Kenneth.hegel@epicbrokers.com www.cosmeticinsurance.com

Covenant Underwriters

1221 McKinney St., Ste. 3110, Houston, TX 77010 Phone: (346) 330-3777 broker@covenantunderwriters.com www.covenantunderwriters.com

Cowbell Cyber

6800 Koll Center Pkwy, Ste. 250 Pleasanton, CA 94566 Phone: (833) 633-8666 agencies@cowbellcyber.ai cowbell.insure

CRC Insurance Services

See Website for Locations, Birminham, AL 35209 Phone: (205) 870-7790, Fax: (205) 879-3739 marketing@crcins.com www.crcins.com

Distinguished Programs

1180 Avenue of the Americas, 16th Floor New York, NY 10036 Phone: (212) 297-3100, Fax: (212) 297-3130 jsafer@distinguished.com www.distinguished.com

Distinguished Programs is a leading national insurance Program Manager providing specialized insurance programs to brokers and agents with specific expertise in Real Estate, Community Associations, Hotels, and Restaurants. Through thoughtful innovation, stemming back to 1995, Distinguished Programs fosters growth and opportunities for its brokers, carriers, and employees.

DMI Insurance Services

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

Phone: (800) 877-2525 nmaske@dmi-insurance.com www.dmi-insurance.com

Draftrs, Inc.

3839 McKinney Ave., Ste. 155-5062

Dallas, TX 75204

Phone: (214) 210-3476 support@draftrs.com draftrs.com

Element22 Insurance Services

3000 Gulf to Bay Blvd., Ste. 600 Clearwater, FL 33759 Phone: (877) 591-8283 dapplebaum@element22ins.com www.element22ins.com

Euclid Life Science Specialty, LLC

234 Spring Lake Drive, Itasca, IL 60143

Phone: (443) 682-0102

RElliott@EuclidLSS.com www.EuclidLSS.com

Flood Risk Solutions, Inc 360 Central Ave., Ste. 1260, St Petersburg, FL 33701 Phone: (727) 256-1991 phil@floodsol.com www.floodsol.com

Flux Insurance Services, LLC

2280 E. Bidwell St., Ste. 104, 228, Folsom, CA 95630 Phone: (888) 358-9467 cprince@fluxins.com www.fluxins.com

Frank Winston Crum Insurance 100 S. Missouri Ave., Clearwater, FL 33756

Phone: (866) 218-4219, Fax: (727) 450-7911 wc@fwcrum.com or gl@fwcrum.com www.frankwinstoncrum.com

Freberg Environmental, Inc.

1800 Wazee St., Ste. 300, Denver, CO 80202

Phone: (800) 377-4152, Fax: (303) 623-8101 info@feiinsurance.com www.feiinsurance.com

FTP of California

P.O. BOX 120747, San Diego, CA 92112 Phone: (314) 496-7077 lglaser@FTPins.com www.ftpins.com/california

Gateway Specialty Insurance 1170 Devon Park Drive, Wayne, PA 19087 Phone: (877) 977-4474, Fax: (610) 254-1855 info@gatewayspecialty.com www.gatewayspecialty.com

Gerald J. Wilkoff, Inc. 95 Main St., Mineola, NY 11501 Phone: (516) 747-0200, Fax: (516) 747-2021 info@wilkoffbonds.com www.wilkoffbonds.com

I nsuran ce Gr oup

GIG Insurance Group, Inc. 750 East Prospect Road, Fort Lauderdale, FL 33334 Phone: (866) 563-1771, Fax: (866) 563-1775 egifford@gigins.com www.gigins.com

GMI Insurance Services

P.O. Box 701, Valley Forge, PA 19482 Phone: (610) 933-4679, Fax: (610) 933-4993 Mark@GMI-Insurance.com www.GMI-Insurance.com

Gorst & Compass Insurance 9310 Topanga Canyon Blvd., Chatsworth, CA 91311 Phone: (818) 507-0900, Fax: (818) 507-1133 mail@gorstcompass.com www.gorstcompass.com

Gray Specialty 3601 N. I-10 Service Road W, Metairie, LA 70002 Phone: (504) 754-6701 rswayze@grayspecialty.com www.grayspecialty.com

Great American Insurance Group, Specialty Human Services

301 E. 4th St., 23rd Fl, Cincinnati, OH 45202

Phone: (866) 424-4758, Fax: (888) 513-5593 clwood@gaig.com www.SpecialtyHumanServices.com

Greenwood General Insurance Agency

2525 N. Lake Ave., Altadena, CA 91001 Phone: (626) 379-8320 info@gwgeneral.com gwmga.com

Gridiron Insurance Underwriters, Inc.

261 N. University Dr., Ste 510, Plantation, FL 33324 Phone: (954) 331-3000 ddemott@gridironins.com www.gridironins.com

Grundy Insurance

P.O. Box 1957, Horsham, PA 19044

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

HabPro Insurance

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

Phone: (610) 808-9556 nsmmarketing@nsminc.com habproinsurance.com

Hull & Company

See Website for Locations

Headquarters - Fort Lauderdale, FL

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

Indemnity Excess & Surplus Agency, Inc.

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

Phone: (800) 487-2442, Fax: (503) 526-9700 jimh@ies-xs.com www.ies-xs.com

Insurtec Tanning and Spa Insurance

P.O. Box 25, Rich Hill, MO 64479 Phone: (800) 606-0621, Fax: (417) 395-2713 info@insurtecinc.com www.insurtecinc.com

Integrated Underwriters ®

2260 E. Bidwell St., Ste. 2043, Folsom, CA 95630

Phone: (567) 233-2667

cprince@integrateduw.com www.integrateduw.com

Interline Insurance Services

4 Centerpointe Dr., Ste. 300, La Palma, CA 90623 Phone: (800) 229-8790, Fax: (562) 356-0288 swalker@ameritrustgroup.com www.interlineinsurance.com

International Transportation & Marine Agency, Inc.

7835 E. Evans Rd., Bldg 300, Scottsdale, AZ 85260 Phone: (480) 556-0200, Fax: (480) 556-0201 info@itmagency.com www.itmagency.com

IPC

P.O. Box 1150, Gardnerville, NV 89410 Phone: (775) 782-6655, Fax: (775) 782-6654 tammy@ipc-nv.com www.ipc-nv.com

Irving Weber Associates, Inc. (IWA) 10801 Mastin Blvd., Ste. 950 Overland Park, KS 66210 Phone: (631) 619-9207, Fax: (631) 913-6035 info@iwains.com www.iwains.com

JM Wilson 8036 Moorsbridge Rd., Portage, MI 49024

Phone: (800) 282-8113 cbaldwin@jmwilson.com www.jmwilson.com

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

Irwin Siegel Agency (ISA) is the premier program administrator. Our trusted advisors partner with brokers to provide property and casualty insurance, risk management, and claims services to Human and Social Service Providers. Our exceptional programs written with A+ rated carriers offer some of the broadest coverages available.

Izzo Insurance Services, A division of Hull & Company, LLC

150 S. Bloomingdale Rd., Bloomingdale, IL 60108 Phone: (800) 800-1704, Fax: (630) 582-2803 Info@IzzoInsurance.com www.IzzoInsurance.com

J.E. Brown & Associates

303 Lennon Ln., Walnut Creek, CA 94598 Phone: (800) 955-8213, Fax: (925) 947-3978 marketing@jebrown.net www.jebrown.net

JC Wilson Consulting, Inc.

9390 W. Maiden Ct, Vero Beach, FL 32963 Phone: (312) 543-9451, Fax: (312) 543-9451 jwilson.frs@gmail.com

Jencap HNOA Program

3025 Windward Plaza, Ste. 400 Alpharetta, GA 30005 Phone: (678) 802-4032, Fax: (770) 396-7699 John.Ware@jencapgroup.com www.jencapgroup.com

Jencap Specialty Insurance Services (Environmental)

2400 E. Katella Ave., Ste. 800, Anaheim, CA 92806 Phone: (949) 534-9106 nancy.huynh@jencapgroup.com jencapgroup.com/environmental/

Jencap Specialty Insurance Services - Buffalo

295 Main St., Ste. 866, Buffalo, NY 14203 Phone: (800) 333-7226, Fax: (800) 677-6779 info.buffalo@jencapgroup.com www.jencapgroup.com

J.M. Wilson is a third generation, family owned MGA and Surplus Lines Broker founded in 1920. We provide independent insurance agents access to ‘A’ rated carriers for Commercial Transportation, Property & Casualty, Brokerage, Marine, Personal Lines and Surety. We know insurance agents have choices and it’s our goal to establish relationships and provide the best possible experience for our agents to place business in the E&S marketplace.

Joseph Chiarello & Co., Inc.; Firearms Business Insurance Program 25 DeForest Ave., Ste. 208, Summit, NJ 07901 Phone: (800) 526-2199, Fax: (908) 473-0110 info@jcinsco.com www.guninsurance.com

K&K Insurance Group, Inc. 1712 Magnavox Way, Ft. Wayne, IN 46804 Phone: (800) 637-4757, Fax: (260) 459-5800 kk.general@kandkinsurance.com www.kandkinsurance.com

KBK Insurance Group, Inc. 1425 Sams Ave., Harahan, LA 70123 Phone: (800) 229-5927 brianatkinson@kbkinsgroup.com www.kbkinsgroup.com

Kevin Davis Insurance Services 800 W. Sixth St., Ste. 1700, Los Angeles, CA 90017 Phone: (213) 833-6191, Fax: (213) 477-2057 sherry.branson@amwins.com www.kdisonline.com

KF&B Program Managers Insurance Services 425 W. Broadway, Ste. 308, Glendale, CA 91204 Phone: (818) 242-5100, Fax: (818) 242-6800 czallo@kfbins.com www.kfbins.com

Lancer Insurance Company 370 W. Park Ave., Long Beach, NY 11561 Phone: (516) 431-4441 producer@lancerinsurance.com www.lancerinsurance.com

Landy Insurance Agency 100 River Ridge Dr., Ste. 301, Norwood, MA 02062 Phone: (800) 336-5422, Fax: (800) 344-5422 stephanie@landy.com www.landy.com

Lawyer’s Protector Plan 655 N. Franklin St., Ste. 1900, Tampa, FL 33602 Phone: (800) 336-5529, Fax: (813) 223-9547 lpp@bbprograms.com www.lppinsurance.com

Legacy Employer Concepts, LLC

7901 4th St. N, Ste. 300, St. Petersburg, FL 33702

Phone: (813) 460-9166, Fax: (813) 433-2503 brett@legacyemployerconcepts.com www.legacyemployerconcepts.com

LIG Marine Managers

111 2nd Ave. NE, Ste. 1101, St. Petersburg, FL 33701 Phone: (727) 578-2800, Fax: (727) 578-9977 KLT@LIGMarine.com www.LIGMarine.com

Logic Underwriters, Inc.

P.O. Box 600249, Dallas, TX 75360

Phone: (214) 739-0071, Fax: (214) 739-0072 paul@logicinsurance.com www.logicinsurance.com

M.J. Hall & Company, Inc.

P.O. Box 192, Stockton, CA 95201

Phone: (415) 848-8237, Fax: (209) 465-3843 mathew.meadows@mjhall.com www.mjhallandcompany.com

For more info, see our ad on page 3 (West).

MacAfee & Edwards, Inc. - Mexican Insurance Specialist

800 S. Figueroa St., Ste. 790, Los Angeles, CA 90017

Phone: (213) 629-9777, Fax: (213) 629-9779 juan@mexicard.com www.macafeeandedwards.com

Mark D. Fredricksen Insurance Services

3390 University Ave., Ste. 300, Riverside, CA 92501 Phone: (800) 669-4347, Fax: (951) 742-4860 cindy.melcher@hubinternational.com www.fredricksenins.com

Markel

4600 Cox Rd., Glen Allen, VA 23060

Phone: (800) 431-1270, Fax: (804) 965-1689 eservice@markelcorp.com www.markelinsurance.com

Markel Personal Lines

P.O. Box 906, Pewaukee, WI 53072 Phone: (262) 548-9880, Fax: (262) 547-9436 maicmarketing@markelcorp.com www.markelmarine.com

McGowan Allied Specialty Insurance

140 Fountain Pkwy N, Ste. 570 St. Petersburg, FL 33716

Phone: (800) 237-3355, Fax: (727) 360-3498 tellmemore@mcgowanallied.com www.mcgowanallied.com

McLeckie Insurance Group

P.O. Box 770, Naples, TX 75568

Phone: (903) 897-9090, Fax: (760) 462-1696 Bill@mcleckie.com www.mcleckie.com

Meridian Finance Group

11900 W. Olympic Blvd., 8th Floor Los Angeles, CA 90064

Phone: (310) 260-2130, Fax: (310) 260-2140 anowicki@meridianfinance.com www.meridianfinance.com

Mexico Insurance Online

214 E. Birch Ave., Flagstaff, AZ 86001

Phone: (928) 433-6728, Fax: (928) 779-7221 denny.lauritsen@mexicoinsuranceonline.com www.mexicoinsuranceonline.com

MexiPass International Insurance Services, LLC

P.O. Box 60727, Pasadena, CA 91116

Phone: (800) 639-4727, Fax: (800) 639-4329 jorge@mexipass.com www.mexipass.com

MG Skinner & Associates

11030 Santa Monica Blvd., Ste. 207

Los Angeles, CA 90025

Phone: (310) 478-5041, Fax: (310) 479-8707 Rskinner@mgskinner.com www.mgskinner.com

Midwestern Insurance Alliance, LLC

P. O. Box 436909, Louisville, KY 40253

Phone: (619) 450-1739, Fax: (502) 426-7067 tbailey@mwiainsurance.com www.midwesterninsurance.com

MiniCo Insurance Agency, a Jencap Company

10851 N. Black Canyon Hwy, Ste. 200 Phoenix, AZ 85029

Phone: (800) 528-1056, Fax: (602) 861-1094 info@minico.com www.minico.com

MAXIMUM

222 S. Riverside Plaza, Ste. 2340, Chicago, IL 60606 Phone: (312) 559-9348, Fax: (312) 559-0930 joem@maxib.com www.maxib.com

Practices: Property, Casualty, Transportation, Professional & Specialty. Industry Expertise: Construction, Energy, Gaming, Healthcare, Habitational, Manufacturing, REITS, Real Estate and Vacant Buildings. Brokerage & Underwriting Available.

MBA Insurance Agency of AZ, Inc.

8383 E. Evans Rd., Scottsdale, AZ 85029 Phone: (480) 946-1066, Fax: (480) 946-0288 info@mbainsurance.net www.mbainsurance.net

Mission Underwriting Managers, LLC

34522 N. Scottsdale Rd., Scottsdale, AZ 85266 Phone: (602) 705-1717 info@missionunderwriters.com missionunderwriters.com

Monarch E&S Insurance Services

2550 N Hollywood Way, Ste. 501, Burbank, CA 91505 Phone: (818) 249-0100, Fax: (818) 249-1166 clarac@monarchexcess.com www.monarchexcess.com

For more info, see our ad on page 1 (West).

Mover’s Choice

222 Gateway Road W, Napa, CA 94558

Phone: (800) 852-1968, Fax: (707) 252-5905 BrandonL@paulhanson.com www.moverschoiceinfo.com

Moxie Underwriters

1850 E. Sky Harbor Cir, Ste. 150 DPT# 15027 Phoenix, AZ 85034 Phone: (636) 893-7101 jbayweber@moxieuw.com moxieuw.com

National Elevator Insurance Solutions / HUB International

One Bridge Plaza N, Fort Lee, NJ 07024 Phone: (201) 585-6500, Fax: (201) 585-6590 john.tateossian@hubinternational.com www.elevatorinsurance.com

National Indemnity Company

1314 Douglas, Ste. 1400, Omaha, NE 68102 Phone: (402) 916-3000, Fax: (402) 916-3030 info@nationalindemnity.com www.nationalindemnity.com

NBIS

2859 Paces Ferry Rd. SE, 800 Overlook III Atlanta, GA 30339 Phone: (770) 257-1777, Fax: (770) 257-1500 contactus@nbis.com www.NBIS.com

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

NeitClem Wholesale Insurance Brokerage, Inc. 7442 N. Figueroa St., Los Angeles, CA 90041 Phone: (323) 258-2600, Fax: (323) 258-2676 jcenteno@neitclem.com www.neitclem.com

New Empire Insurance Services 214 W. Park Ave., Long Beach, NY 11561 Phone: (516) 431-8300, Fax: (516) 431-5351 robmackoul@newempireis.com www.newempireis.com

Nonprofits Insurance Alliance

P.O. Box 8507, Santa Cruz, CA 95061 Phone: (831) 459-0461, Fax: (831) 459-0853 brokerservices@insurancefornonprofits.org www.insurancefornonprofits.org

Nonprofits Insurance Alliance is a group of 501(c)(3) nonprofit, tax-exempt insurers whose purpose is to serve 501(c)(3) tax-exempt nonprofit organizations by providing a stable source of reasonably-priced liability insurance tailored to the specialized needs of the nonprofit sector.

Norman-Spencer Agency, LLC

8075 Washington Village Dr., Dayton, OH 45458 Phone: (800) 543-3248, Fax: (937) 432-1635 info@norman-spencer.com www.norman-spencer.com

Norman-Spencer International, Inc.

150 E. 22nd St., Lombard, IL 60148

Phone: (630) 705-4140, Fax: (630) 705-1056

gretchen@normanspencer.com www.normanspencer.com

NSM Insurance Group

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

Phone: (808) 305-4605, Fax: (610) 941-9889 nsmmarketing@nsminc.com nsminc.com

Forget the hassle of running around to find markets that meet unique client risks — because at NSM Insurance Group, we have a market for that! As a one-stop-shop with 25+ top niche markets, we help agents meet a wide range of client needs quickly and easily.

Number One Insurance Agency

91 Cedar St., Milford, MA 01757

Phone: (508) 634-2900, Fax: (508) 634-2930 numberone@massagent.com www.massagent.com

Omaha National

PO Box 451139, Omaha, NE 68145

Phone: (844) 761-8400, Fax: (844) 761-8402 sales@omahanational.com www.omahanational.com

For more info, see our ad on page 1 (Cover Tip).

Omaha National is a premier provider of workers compensation insurance offering coverage for labor intensive risks with competitive rates and commissions. Coverage offered through Omaha National Insurance Company, Palomar Specialty Insurance Company, and/or Preferred Professional Insurance Company.

Oryx Insurance Brokerage, Inc.

2 Court Street, Binghamton, NY 13901 Phone: (607) 724-0173, Fax: (607) 724-7266 marketing@oryxinsurance.com www.oryxinsurance.com

Parcel Insurance Plan

PO Box 66708, St. Louis, MO 63166 Phone: (800) 325-7390 office@pipinsure.com www.pipinsure.com

PartnerOne Environmental

P.O. Box 1532, Charlottesville, VA 22902 Phone: (800) 596-0172, Fax: (434) 979-8964 p1info@p1enviro.com p1enviro.com

PEO Brokers Group

P.O. Box 720514, Oklahoma City, OK 73172 Phone: (877) 810-9355 swbrown@peobrokersgroup.com www.peobrokersgroup.com

Personal Safeguards Group, LLC

830 W. Route 22, Ste. 151, Lake Zurich, IL 60047 Phone: (847) 275-8497 mike@personalsafeguards.com personalsafeguardsgroup.com

Philadelphia Insurance Companies

231 Saint Asaphs Rd., Ste. 100 Bala Cynwyd, PA 19004 Phone: (800) 873-4552, Fax: (610) 617-7940 phlysales@phly.com www.phly.com

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

Pro-Praxis Insurance

321 Old Slip, 5th Fl, New York, NY 10005 Phone: (212) 401-1561, Fax: (212) 401-1548 Robert_Allen@ProPraxisIns.com www.propraxisins.com

ProAlly

1820 E. Sky Harbor Circle S, Ste. 150 Phoenix, AZ 85034 Phone: (623) 473-6277 contact@pro-ally.com www.pro-ally.com

Proctor Loan Protector

5225 Crooks Rd., Troy, MI 48098 Phone: (800) 521-6800, Fax: (248) 269-5605 info@pfic.com www.proctorlp.com

A leading provider of lender-placed insurance for over 45 years, Proctor Loan Protector provides smart insurance solutions coupled with compliant, technology-driven hazard tracking tools for mortgage servicers, subservicers, banks, credit unions, distressed asset investors, and other financial institutions. Proctor’s programs mitigate risk and enhance the borrower experience.

Professional Governmental Underwriters

4870 Sadler Rd., Ste. 102, Glen Allen, VA 23060

Phone: (800) 586-6502, Fax: (804) 272-7852

glester@pgui.com

www.pgui.com

Professional Insurance Concepts

389 Interpace Pkwy, 4th Fl, Parsippany, NJ 07054

Phone: (862) 286-3470, Fax: (973) 263-0747

DGriffin@ProInsConcepts.com

www.ProInsConcepts.com

Professional Liability Insurance Services - Underwriting Facilities

5802 Thunderbird, Bldg 10, Ste. 100, Lago Vista, TX 78645

Phone: (800) 761-7547, Fax: (512) 327-5834 underwriting@plisinc.com www.plisinc.com

PLIS®, Inc., coverholder at Lloyd's and providers of specialty niche insurance. Programs: Trade Name Restoration (Food Borne Illness Loss); Workplace Violent Act; Misc. Errors & Omissions; Vineyard & Farm E&O; Employment Practices Liability; Recall.

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 info@ppibcorp.com www.ppibcorp.com

Professional Underwriters Agency (PUA) 2803 Butterfield Rd., Ste. 260, Oak Brook, IL 60523 Phone: (630) 861-2330 nsmmarketing@nsminc.com puainc.com

Promont Insurance Advisors

1 E. Wacker Dr., Ste. 1920, Chicago, IL 60601 Phone: (312) 262-3300, Fax: (312) 262-3301 greg.morris@promontadvisors.com www.promontadvisors.com

ProSurance Group, a Div of One80 Intermediaries 2685 Marine Way, Ste. 1408 Mountain View, CA 94043

Phone: (650) 428-0818, Fax: (650) 428-0860 financialservices@prosurancegroup.com www.prosurancegroup.com

ProWriters 70 E. Lancaster Ave., Ste. 102, Malvern, PA 19355 Phone: (484) 321-2335, Fax: (484) 321-2339 info@prowritersins.com www.prowritersins.com

Public Entities of America (PEA)

1725 Windward Concourse, Ste. 210 Alpharetta, GA 30005

Phone: (303) 531-3911

emily.nagle@peausa.com www.peausa.com

Quadrant Insurance Managers

501 W. Schrock Rd., Ste. 301, Westerville, OH 43081

Phone: (614) 841-1425, Fax: (614) 841-1426 info@quadrant-us.com www.quadrant-us.com

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 creid@qsr-insurance.com www.qsr-insurance.com

Quaker Special Risk, a Jencap Company (Mass.) 51 Harvard St., Worcester, MA 01609

Phone: (800) 252-8679, Fax: (508) 753-0646 kbranscombe@quakerma.com www.quakerma.com

Quaker Special Risk, a Jencap Company (New Jersey)

P.O. Box 1350, Eatontown, NJ 07724 Phone: (800) 447-4180, Fax: (732) 223-9072 creid@qsr-insurance.com www.qsr-insurance.com

Quantum Specialty Group

2222 Foothills Blvd., Ste. E285, La Canada, CA 91011

Phone: (213) 505-5735 mkwan@quantumspecialtygroup.com quantumspecialtygroup.com

Quirk & Company

P.O. Box 792030, San Antonio, TX 78279 Phone: (800) 299-9421, Fax: (210) 340-4075 kquirk@quirkco.com www.quirkco.com

RealCare Insurance

430 W. Napa St., Ste. F, Sonoma, CA 95476

Phone: (800) 996-0599, Fax: (707) 935-7142 realcare@nfp.com www.realcareprograms.com

REInsurePro

11500 N. Ambassador Dr., Ste. 310 Kansas City, MO 64153 Phone: (816) 398-4080 info@reinsurepro.com www.reinsurepro.com

For more info, see our ad on page 4 (West) and page 2 (East & Midwest).

RelMark Program Managers

961 Pottstown Pike, Chester Springs, PA 19425 Phone: (800) 874-5880, Fax: (610) 321-1011 RRittersbach@relmarkgroup.com www.relmark.net

Risk Strategies, Transportation Group PO Box 360017, Strongsville, OH 44136 Phone: (877) 862-4755, Fax: (914) 636-0802 info@risk-strategies.com www.risk-strategies.com

RLI 9025 N. Lindbergh Dr., Peoria, IL 61615

Phone: (309) 692-1000, Fax: (309) 692-1068 Communications@rlicorp.com www.rlicorp.com

Roush Insurance Services, Inc.

18077 River Rd., Ste. 107, Noblesville, IN 46062 Phone: (800) 752-8402, Fax: (317) 776-6891 info@roushins.com www.roushins.com

RPS Healthcare

525 W. Van Buren, Ste. 1325, Chicago, IL 60607 Phone: (312) 803-6014

Diane_Burrows@rpsins.com www.rpsins.com/industries/healthcare-insurance

RPS Signature Programs

2850 Golf Road, Rolling Meadows, IL 60008 Phone: (866) 595-8413 info@rpsins.com rpsins.com/signatureprograms

Unique risks? New niches? Never been done before? That’s our specialty. We help provide your clients with specialized coverage from trusted carriers, so you can move on with confidence.

RPS Technology & Cyber

204 Cedar St., Cambridge, MD 21613 Phone: (800) 336-5659, Fax: (410) 228-7645 Estelle_Cummings@RPSins.com www.rpsins.com/industries/technology-insurance

Ryan Specialty National Programs

10150 York Rd., 5th Fl, Hunt Valley, MD 21030 Phone: (800) 366-5810, Fax: (410) 828-8179 Hollie.Degutis@ryansg.com www.RyanPrograms.com

Sapphire Blue

180 N. Stetson Ave., 46th Fl., Chicago, IL 60601 Phone: (312) 784-6007, Fax: (312) 784-6002 nancy.mcmahon@sapphireblueuw.com www.sapphireblueuw.com

SASSI - Salon & Spa Specialty Insurance

21 Maple Ave., Bay Shore, NY 11706 Phone: (888) 823-9380, Fax: (631) 666-7646 info@brownyard.com www.sassiagency.com

Shelly, Middlebrooks & O’Leary, Inc.

P.O. Box 2909, Jacksonville, FL 32203 Phone: (800) 342-2498, Fax: (904) 355-7611 ekoleary@shellyins.com www.shellyins.com

For more info, see our ad on page 4 (Southeast).

Shield Commercial Insurance Services

43725 Monterey Ave., Ste. A, Palm Desert, CA 92260

Phone: (760) 345-9029, Fax: (800) 345-4851 info@shieldins.net www.shieldins.net

Skyward Specialty Insurance

800 Gessner, Ste. 600, Houston, TX 77024 Phone: (972) 587-4315, Fax: (713) 467-8238 hdoughty@skywardinsurance.com www.skywardinsurance.com

Southeastern Underwriters, Inc (SUI) P.O. Box 15420, Richmond, VA 23227

Phone: (800) 777-1815, Fax: (800) 727-3452 support@suigroup.com www.suigroup.com

For more info, see our ad on page 5 (Southeast).

Southern Hospitality Underwriters

300 Wilson Rd., Griffin, GA 30224

Phone: (866) 916-9752, Fax: (770) 233-8125 bbrown@shuins.com www.shuins.com

Southwest Risk

8144 Walnut Hill Ln., Ste. 1400, Dallas, TX 75231

Phone: (214) 206-4900, Fax: (214) 206-4901 info@swrisk.com www.swrisk.com

Sovereign Group Int’l, Inc.

1600 Jersey Ave., Ste. 5, North Brunswick, NJ 08902

Phone: (732) 750-2300, Fax: (732) 750-1650 bill@sovereignins.com www.sovereignins.com

Specialty Insurance

1610 Route 88 Ste. 102, Brick, NJ 08724

Phone: (732) 701-8934 apyciak@specialtyagency.com www.specialtyagency.com

Specialty Wholesale Insurance Solution (SWIS), a Div of SPG

5 Bryant Park, 3rd Floor, New York, NY 10018

Phone: (866) 607-8370, Fax: (212) 338-2910 kevin.jaglall@specialtyprogramgroup.com www.specialtyprogramgroup.com

Sports & Fitness Insurance Corporation (SFIC)

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

Phone: (800) 844-0536, Fax: (601) 853-6141 contactus@sportsfitness.com www.sportsfitness.com

Sports & Wellness Insurance

555 E. North Lane, Ste. 6060, Conshohocken, PA 19428 Phone: (610) 808-9599 nsmmarketing@nsminc.com nsmsportsinsurance.com

Staffing Lines 555 E. North Lane, Ste. 6060 Conshohocken, PA 19428 Phone: (610) 808-9586, Fax: (610) 941-9889 nsmmarketing@nsminc.com info.staffinglines.com

Star Mutual RRG 123 Center Park Dr., Ste. 234, Knoxville, TN 37922 Phone: (855) 569-7827 info@StarRRG.com starrrg.com

StateFund First, a Div of Arthur J Gallagher & Co. Insurance Brokers of CA, Inc. 2121 N. California Blvd., Ste. 350 Walnut Creek, CA 94596 Phone: (855) 784-4433, Fax: (415) 536-4033 erica_bro@statefundfirst.com www.statefundfirst.com

Sun Coast General Insurance Agency

P.O. Box 30750, Laguna Hills, CA 92654 Phone: (800) 300-8838, Fax: (949) 768-4045 jyeskin@suncoastinsurance.com www.SunCoastInsurance.com

SWBC

9311 San Pedro, Ste. 600, San Antonio, TX 78216 Phone: (210) 525-1241, Fax: (210) 321-7530 swbcinfo@swbc.com www.swbc.com

The McGowan Companies Corporate HQ; 20595 Lorain Rd. Fairview Park, OH 44126 Phone: (800) 545-1538, Fax: (440) 333-3214 syoung@mcgowancompanies.com www.mcgowancompanies.com

Vanguard Specialty 1120 E. Kennedy Blvd., Ste. 226, Tampa, FL 33602

Phone: (813) 999-8090

stephen.vanwert@vanguardspecialty.com www.vanguardspecialty.com

Venture Insurance Programs 1301 Wrights Lane East, West Chester, PA 19380

Phone: (800) 282-624730, Fax: (610) 692-5977 marketing@ventureprograms.com www.ventureprograms.com

Victor Insurance Managers LLC 770 Wisconsin Ave., Ste. 400, Bethesda, MD 20814

Synergy Professional Associates, Inc.

100 Passaic Ave., Ste. 145, Fairfield, NJ 07004 Phone: (973) 995-0500, Fax: (973) 995-0501 michelem@synergy-ins.com www.synergy-ins.com

TAPCO Underwriters, Inc.

3060 S. Church St., Burlington, NC 27216 Phone: (800) 334-5579, Fax: (336) 584-8880 KAllred@gotapco.com www.GoTAPCO.com

Target Managers Insurance Services

10161 Park Run Dr., Ste. 150, Las Vegas, NV 89145 Phone: (702) 588-5300, Fax: (702) 588-5310 mkiger@targetmanagers.com www.targetmanagers.com

Target Professional Programs

1230 E. Diehl Rd., Ste. 350, Naperville, IL 60563 Phone: (331) 333-8239, Fax: (630) 961-0284 sreidy@targetproins.com www.TargetProIns.com

TDC Specialty Underwriters

29 Mill Street, Unionville, CT 06085

Phone: (888) 277-3152, Fax: (888) 277-3152 submissions@tdcspecialty.com www.tdcspecialty.com

The American Equity Underwriters, Inc.

32nd Fl, 11 N. Water St., Mobile, AL 36602 Phone: (251) 690-4230, Fax: (251) 690-4299 aeu.marketing@amequity.com www.amequity.com

AEU is a program administrator for a group selfinsurance fund authorized by the U.S. Department of Labor to provide USL&H coverage for the liabilities of its members, which are waterfront employers of all sizes. AEU can also provide State Act workers’ compensation and MEL coverage.

The Hanover Insurance Group

440 Lincoln St., Worcester, MA 01653 Phone: (508) 855-1000, Fax: (508) 635-1193 abclark@hanover.com www.hanover.com

McGowan Program Administrators (MPA) is America’s leading writer of innovative insurance programs. MPA is a Managing General Underwriter and Program Manager. MPA designs, administers and markets highly-specialized programs of insurance. These programs are available exclusively through MPA.

The Mechanic Group, 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 mkatz@mechanicgroup.com www.mechanicgroup.com

Insurance Programs, Brokerage and Risk Management for the Security Officer, Electronic Security-Alarm, Investigation and Background Screening Industries.

U.S. Risk, LLC

8401 N. Central Expy, Ste. 1000, Dallas, TX 75225 Phone: (800) 232-5830, Fax: (214) 647-5035 kelly.hauck@usrisk.com www.usrisk.com

UCA General Insurance Services Inc. 6363 Katella Ave., Cypress, CA 90630 Phone: (800) 222-5582, Fax: (714) 228-7855 bcolburn@ucageneral.com www.ucageneral.com

Union General Insurance Services, Inc.

1390 Willow Pass Rd., Ste. 1050, Concord, CA 94520 Phone: (925) 671-2128, Fax: (925) 671-0171 MatthewM@UnionGeneral.com UnionGeneralinsurance.com

Unitas Financial Services

6543 Commerce Pkwy, Ste. M, Dublin, OH 43014 Phone: (954) 931-4795, Fax: (866) 847-5565 john.watt@unitas360.com www.unitas360.com

Universal Insurance Programs

1220 E. Osborn Rd., Phoenix, AZ 85014 Phone: (800) 844-2101, Fax: (866) 512-2272 info@uiprograms.com www.uiprograms.com

Phone: (301) 961-9800, Fax: (301) 951-5444 info.us@victorinsurance.com www.victorinsuranceus.com

Virtue Risk Partners, LLC One Blue Hill PLaza, Pearl River, NY 10965 Phone: (845) 205-0301 jvalenza@virtuerisk.com www.virtuerisk.com

Walter General Agency (WGA) 273 Clarkson Rd., Ste. 102, Ellisville, MO 63011

Phone: (636) 391-4841, Fax: (636) 391-2115 newquotes@wgamo.com www.wgamo.com

Wedding Protector Plan P O Box 173689, Tampa, FL 33672 Phone: (888) 342-5977 info@protectmywedding.com www.protectmywedding.com

Western Surplus Lines Agency, Inc. P.O. Box 6609, Abilene, TX 79608 Phone: (800) 592-4408, Fax: (325) 695-0371 bcraig@westernsurplus.com www.westernsurplus.com

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 dtaylor@wwspi.com www.wwspi.com

Wrap Up Insurance Solutions

16141 Swingley Ridge Rd., Chesterfield, MO 63017 Phone: (636) 489-0185, Fax: (636) 536-7473 bbillhartz@wrapupsolutions.com www.wrapupsolutions.com

Wright Specialty Insurance 900 Stewart Ave., Ste. 600, Garden City, NY 11530 Phone: (877) 976-2111, Fax: (516) 227-2352 hdiamantidis@wrightinsurance.com www.wrightspecialty.com

www.insurancehelper.com PO Box 1549, Grass Valley, CA 95945 Phone: (530) 648-1100 info@theeventhelper.com www.insurancehelper.com

XPT 4965 Preston Park Blvd., Ste. 650, Plano, TX 75093 Phone: (972) 702-0500, Fax: (972) 702-0504 mark.kaufman@xptpartnersllc.com www.xptspecialty.com

Idea Exchange: Extended Reporting Provisions

continued from page 31

is the same corporate shell presumably with the same senior managers.

Still, it is mainly a name change as the corporate shell remains the same. What if the operations of the company are not that much different from the original operations? Would an extended reporting provision be necessary and a new go-forward policy under those circumstances?

Consider a company that has two functionalities, and when selling the assets, one function of the company is sold off. But the other operation is not competitive or competing with the operations sold. Is it necessary to buy tail and a go-forward policy?

Some underwriters might deem that the case and not be willing to do anything other than offer an extended reporting provision and a go-forward policy. Some underwriters may decide that the operations maintained by the original owners are such that they will not underwrite it, requiring the insured to purchase an extended reporting provision and seek a new go-forward policy from another insurer.

These need to be addressed and be looked at before the sale. If they are significantly similar to what the insurance company had covered, they may decide not to require an extended reporting provision and a new go-forward policy.

June 5, 2023

Crum and Forster Insurance Company 305 Madison Avenue Morristown, NJ 07960

The above company has made application to the Division of Insurance to obtain a Foreign Company License to transact Property and Casualty Insurance in the Commonwealth of Massachusetts.

Any person having any information regarding the company which relates to its suitability for the license or authority the applicant has requested is asked to notify the Division by personal letter to the Commissioner of Insurance, 1000 Washington Street, Suite 810, Boston, MA 021186200, Attn: Financial Surveillance and Company Licensing within 14 days of the date of this notice.

They may simply continue the coverage as is. This is where the complexity arises.

One thing is for certain, if a corporation simply sells assets and changes its name, it has not necessarily changed its corporate structure. If there is no change in officers and directors or only a minor change, coverage might continue. However, all this needs to be disclosed to any underwriting facility at risk and any new one for the final determination as to whether they agree that the risk has not been significantly increased as opposed to decreased. These are subtle issues. Still, the approach is clear and the response by the underwriters will determine the best approach for the policyholder.

Thus, a potential solution becomes clear. Is it possible to obtain one policy that still covers the entity as is, or will it be necessary that an extended reporting provision be purchased, as well as a go-forward policy, to cover any future wrongful acts? This will be determined case-by-case.

Note: The above is the second article in a three-part series on complexities that may arise with claims made policies involving extended reporting provision (ERP) coverages.

Fisher J.D., is currently the president of Fisher Consulting Group Inc. and was the founder of E.L.M. Insurance Brokers, a wholesale and managing general

June 5, 2023

Grain Dealers Mutual Insurance Company 4601 Touchton Road East, Suite 3400 Jacksonville, FL 32246

The above company has made application to the Division of Insurance to obtain a Foreign Company License to transact Property and Casualty Insurance in the Commonwealth of Massachusetts.

Any person having any information regarding the company which relates to its suitability for the license or authority the applicant has requested is asked to notify the Division by personal letter to the Commissioner of Insurance, 1000 Washington Street, Suite 810, Boston, MA 021186200, Attn: Financial Surveillance and Company Licensing within 14 days of the date of this notice.

agency facility specializing in professional liability and specialty line risks. He is a member of the editorial board for Agents of America; a faculty member of the Claims College, and member of the Executive Council, School of Professional Lines sponsored by the Claims & Litigation Management Association and an instructor for the Academy of Insurance, an Insurance Journal company.

June 5, 2023

Wisconsin Physicians Service Insurance Corporation 1717 W. Broadway Madison, WI 53713

The above company has made application to the Division of Insurance to obtain a Foreign Company License to transact Health Insurance in the Commonwealth of Massachusetts.

Any person having any information regarding the company which relates to its suitability for the license or authority the applicant has requested is asked to notify the Division by personal letter to the Commissioner of Insurance, 1000 Washington Street, Suite 810, Boston, MA 021186200, Attn: Financial Surveillance and Company Licensing within 14 days of the date of this notice.

Closing Quote

Nobody ‘Falls Into’ Insurance Anymore

By Zane Smith

When it comes to attracting and retaining members of Generation Z, there’s one thing I wish insurers knew: They’re selling themselves — and their industry — way too short. Too often, people say they fell into insurance. Not only does this paint a negative picture of the industry, it also misrepresents the truth. Today, college students are choosing a career in insurance and they’re doing it enthusiastically. A graduating senior at St. Mary’s University studying finance and risk management, I am one of those next generation workers.

Students often take one of three paths toward an insurance career. Some follow family members into the industry. Others hear about an open role in insurance and apply at the last minute. The third group learns about insurance through industry organizations and decides to pursue a career in the field.

I was in the latter group. When I started at St. Mary’s, I wasn’t sure what I wanted to study. But I already knew the insurance industry had a good reputation, with quality people, job security and upward mobility. Later, I learned about the St. Mary’s chapter of Gamma Iota Sigma, the organi-

zation dedicated to promoting student interest in insurance and risk management. I was so inspired by what I learned that, within three days, I declared finance and risk management as my major and I never looked back. My connections with Gamma Iota Sigma now run deep, and I have been proud to serve two years as president of the St. Mary’s chapter.

What Gen Z Expects

There are many stories about what Gen Z and Millennials want from employers — and these stories range from spoton to way off the mark.

It’s true Gen Z wants to work for companies that give back. We care deeply about leaving a positive impact on society, and organizations that clearly demonstrate their commitment to worthwhile causes draw our attention and interest. Yet, we want to know that our contributions matter and will be rewarded.

We also don’t want to stop learning when we leave the classroom, and want to continually challenge ourselves intellectually. We want to have roles that grow with that knowledge. Few members of Gen Z want to be siloed into one role for our entire career. Instead, we want to apply our skillsets across a broad range of settings, and we’re drawn to companies that allow us to do so.

We also crave well-rounded work experiences. It’s not true that we never want to go into the office or that we prefer to work remotely. While we value the flexibility of a hybrid work

environment, we also have a deep desire for in-person mentorship and training. That’s why I urge managers, mentors and even executives to prioritize spending at least some time in the office working with and teaching the next generation of talent. We’ll all benefit if you do so.

How to Recruit Gen Z

In my view, successful recruitment starts when company representatives arrive on campus and support school events and programming before, during and after recruitment season. This helps build a rapport with students that companies can leverage to attract new talent. And the industry needs to recruit more talent than just those who have already expressed interest or are studying insurance or risk management. If we can help students see insurance careers as meaningful, lucrative, stable, and purpose-driven, we will see a greater excitement — and success — in bringing them to the industry.

I also encourage firms to partner with organizations like

Gamma Iota Sigma. Companies who consistently attended Gamma Iota Sigma conferences were those I recognized most as a student, prompting me to apply with them. I’ve heard other students say the same.

One of the defining characteristics of my generation is its resiliency. We had a front-row seat to the Great Recession. We went to school, virtually and in person, during a global pandemic. In the face of these unprecedented challenges, we’ve adapted, and we will remain resilient in the workplace.

While many of us don’t know what our long-term career path will hold — me included — we share a desire to define our careers by the people we’ll help and the causes we’ll support. The more opportunities insurance organizations give us to do that, the more satisfied we’ll be with a career in insurance.

Smith is in his senior year studying Finance and Risk Management at St. Mary’s University in San Antonio. He will be working as an underwriting graduate trainee with Munich RE in New York City, New York.