Insurance Journal West 2024-01-22 by Insurance Journal

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January 22, 2024 • Vol. 102 No. 1

Contents

News & Markets

Special Report

Idea Exchange

Higher Auto Claims, More Frequent Accidents Continue to Outpace Premium Hikes

Closer Look: Changing Risks Shape the Future of Agency E&O: Webinar

Trends in Auto Thefts Add to Rising Claim Costs

Spotlight: A Return to Balance: Brokers Say Reinsurance Renewals Were ‘Stable’

The Competitive Advantage: Do Regulators, Insureds and Agents Understand How Reciprocal Carriers and Some New MGAs Work?

8 8

Specialty Markets Directory, Winter Edition

Is It Covered?: Illinois Supreme Court Applies ‘RTFP!’ Principle to Faulty Workmanship Claims

A Deep Dive into the Diligent Effort (Search) Requirement

Closing Quote: A Woman’s Place Is in the Construction Insurance Space

Departments

6 Opening Note

4 | INSURANCE JOURNAL | JANUARY 22, 2024

16 Figures

18 Declarations

20 Business Moves

22 People

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lexingtoninsurance.com

Lexington Insurance and Western World, both AIG companies, are U.S.-based surplus lines insurers. Surplus lines insurers do not generally participate in state guaranty funds and insureds are therefore not protected by such funds. AIG refers to American International Group, Inc. and its property and casualty and general insurance operations. For additional information, please visit www.aig.com. Certain products and services may be provided by other AIG subsidiaries or affiliates. Not all products and services are available in every jurisdiction, and insurance coverage is governed by actual policy language. Certain non-insurance products and services may be provided by independent third parties. Insurance products may be distributed through affiliated or unaffiliated entities. INTENDED FOR LICENSED SURPLUS LINES INSURANCE BROKERS ONLY. Copyright © 2024 American International Group, Inc. All rights reserved.

Opening Note Write the Editor: awells@insurancejournal.com

Workplace Stress

ork-related stress and worker burnout is a critical topic in today’s talent market as nearly every insurance organization across the nation competes to fill open positions. But stress at work has reached epidemic proportions, according to the American Psychological Association, and showed little decline in 2023. Recent findings from the APA, show that 77% of U.S. workers reported stress at work in the past month, with 57% reporting negative health effects as a result. The APA report, “Work in America Survey: Workplaces as Engines of Psychological Health & Wellbeing,” found that among workers overall, 33% said they intend to look for a new job at a different company or organization in the next year. Among those workers who said they are unsatisfied with the mental health and well-being support offered by their employer, that number rose to 57%. While many industries are working to address workplace stress, there is a need for improvement by employers to create environments that allow for rest and relaxation, according to the survey’s researchers. The survey revealed that many workers are not getting the breaks from this stress that they both need and want. Only 35% reported that their employer offers a culture where breaks are encouraged. Some 40% reported that their employer offers a culture where time off is respected, and 29% reported that their employer offers a culture where managers encourage employees to take care of their mental health. One survey respondent wrote: “Workload, not having enough employees, and working long hours have negative impact on my overall mental health, happiness, and well-being.” New findings from the online Healthy Work Survey (HWS), based on the National Institute for Occupational Safety & Health Quality of Work Life survey, reveal that 86% of workers reported stressful work (often/very often), and 88% reported often/very often “feeling used up at the end of the day.” The percentage of workers who reported high-risk work stressors also reported the following: • High workloads/job demands — 80% • Low job control/resources — 60% • Low supervisor support — 55% • High work-family conflict — 55% • Low rewards (lack of promotions, fair earnings, respect and job security) — 50%

86% of workers reported stressful work (often/very often), and 88% reported often/very often ‘feeling used up at the end of the day.’

Eighteen different occupations are represented in the HWS survey, with the largest percentage of workers sampled from occupations related to: management, business and financial operations, sales, healthcare support, office and administrative support. Workers surveyed were also sampled from educational occupations, food preparation and service, production, transportation, and healthcare practitioners. Sixty-four percent of respondents were women, and 75% were white, 7% black, 7% Hispanic/Latino and 3% Asian/Asian-American. As of December 2023, 3,577 workers completed the online Healthy Work Survey (HWS). V.P. of Content

Andrea Wells

6 | INSURANCE JOURNAL | JANUARY 22, 2024

Chairman of the Board Mark Wells | mwells@wellsmedia.com Chief Executive Officer Joshua Carlson | jcarlson@insurancejournal.com

ADMINISTRATION / CIRCULATION

Chief Financial Officer Terry Freeburg | tfreeburg@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: Vaishali Desai, Zachary Lerner, Lauren Taylor Columnists: Chris Burand, Bill Wilson

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 Digital Content Manager Ashley Cochrane | acochrane@insurancejournal.com Videographer/Editor Ashley Waldrop | awaldrop@insurancejournal.com

ACADEMY OF INSURANCE

Director Patrick Wraight | pwraight@ijacademy.com Online Training Coordinator George Jack | gjack@ijacademy.com

SUBSCRIPTIONS:

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Outside the US, call (847) 400-5951 Insurance Journal, The National Property/Casualty Magazine (ISSN: 00204714) is published 22 times annually by Wells Media Group, Inc., 3570 Camino del Rio North, Suite 100, San Diego, CA 92108-1747. Periodicals Postage Paid at San Diego, CA and at additional mailing offices. SUBSCRIPTION RATES: $17.95 per copy, $27.95 per special issue copy, $195 per year in the U.S., $295 per year all other countries. DISCLAIMER: While the information in this publication is derived from sources believed reliable and is subject to reasonable care in preparation and editing, it is not intended to be legal, accounting, tax, technical or other professional advice. Readers are advised to consult competent professionals for application to their particular situation. Copyright 2024 Wells Media Group, Inc. All Rights Reserved. Content may not be photocopied, reproduced or redistributed without written permission. Insurance Journal is a publication of Wells Media Group, Inc. POSTMASTER: Send change of address form to Insurance Journal, Circulation Dept, PO Box 708, Northbrook, IL 60065-9967 ARTICLE REPRINTS: Contact (800) 897-9965 x125 or visit insurancejournal.com/reprints

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News & Markets Higher Auto Claims, More Frequent Accidents Continue to Outpace Premium Hikes

s claim severity rises, U.S. personal auto results are on the decline, according to AM Best’s Market Segment Report, issued in December 2023. The 112.2 net combined ratio in 2022 for personal auto was an almost 11-point deterioration from 101.5 in 2021, and about 10 points over the ten-year average and median combined ratios for the line. Deteriorating liability and physical damage resulted in a more than $4 billion net underwriting loss in 2021 for personal auto insurers. Insurers find rates can’t keep pace with the increasing number of accidents and costs such as economic inflation, supply chain disruptions and technological advances in vehicles, which increase claims costs. In 2022, inflationary pressures on physical damage claims costs, rising medical expenses and greater claims severity caused the more than $33 billion underwriting loss. Even as insurers pursued premium increases, underwriting results in 2022 continued to trend adversely through the first half of 2023. Christopher Graham, senior industry analyst and co-author of the market segment report, noted in a video discussion of the report that even if there had been no increase in loss costs, carriers would “still need double-digit rate increases just to get to [the] level of being able to break even.”

Worsening accident severity has been a primary driver of the rising claims costs and the deteriorating overall results. “Workplace patterns have changed post-pandemic with workfrom-home arrangements, reducing the number of vehicles on the road. However, driver inattentiveness and riskier driving habits have become more problematic in the last few years, and as a result, auto severity has worsened,” said Graham. Personal auto loss severity led to a significant, almost 13-point jump in the net loss and loss adjustment expense ratio for the private passenger auto line in 2022. The average cost per private passenger auto claim increased 16% in 2022 year over year, after rising by 11% in 2021. The average defense and cost containment expense increased by 29% and adjusting and other expenses increased by 18%. However, the National Highway Traffic and Safety Administration has reported that the fatality rate declined in 2022 from 2021 and that the decline in the fourth quarter of 2022 was the third straight decline after seven quarters of increases.

The net results were slightly offset by carriers benefiting from a lower underwriting expense ratio given higher premium levels. “AM Best-rated carriers have said that they are reassessing their personal auto portfolios and implementing steps to address selection and price adequacy concern, but the time-consuming regulatory process for rate increases, which varies by jurisdiction, has made it difficult for insurers to stay ahead of deteriorating severity trends and address rate needs in real time,” said David Blades, associate director. Despite the challenging market dynamics, 17 of the top 20 U.S. insurers grew their premium base in 2022, reflecting an intent to attain rate adequacy to better offset claims costs.

Trends in Auto Thefts Add to Rising Claim Costs

ehicle theft rates continue to put pressure on the personal auto insurance market. CCC Intelligent Solutions said in its year-end report that the number of vehicle thefts in the U.S. increased 2% in the first half of 2023 after rising 7% in 2022. Total losses as a result of thefts peaked at 4% of total losses in the fourth quarter of 2022 and have exceeded 3% of total losses since the fourth quarter of 2001, CCC said. Total losses from theft were less than 2% of total losses in 2018 and 2019, according to the report. CCC’s report called out automobile 8 | INSURANCE JOURNAL | JANUARY 22, 2024

thefts as “a concerning trend.” The report says thefts accounted for about 3% of total loss value in the third quarter of 2023, but varied by type of vehicles. For domestic pickups, thefts accounted for 6% of total losses, but for pickups built in Asia, thefts were the cause of only 3% of losses. Thefts of Asian and European-built cars also were lower: The percentage of total losses was 3.5% for domestic cars but about 3.2% for Asian cars and about 2.4% for European, according to the report. CCC said while 85% of stolen cars were recovered, the vandalism needed to

break into those vehicles was also a cause of loss. Repairable claims volume for vandalism was up 22% year-over-year in 2022 and was on pace to increase another 10% in 2023. Thefts of catalytic converters also drove claims. Citing data from the National Insurance Crime Bureau, the report said there were 64,701 catalytic converter thefts in 2022, four times as many as in 2020. CCC said its data shows that more than 70% of catalytic converter thefts were from cars seven or more years old. The average repairable catalytic converter claim had an average total cost of $1,415. INSURANCEJOURNAL.COM

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Closer Look: Agency E&O Changing Risks Shape the Future of Agency E&O: Webinar By Allen Laman

hile today’s insurance agency errors and omissions (E&O) market remains mostly stable, emerging exposures, cyber risk, natural disasters and more could shape its course ahead. That’s according to experts who shared their perspectives on the market’s latest developments and outlook in a webinar hosted by Insurance Journal’s Andrea Wells.

Changing Exposures

Elizabeth Whitney, head of U.S. agents at Swiss Re Corporate Solutions, has

seen an increase in hired and non-owned auto claims. The suspected reason? During the pandemic, businesses that may not have normally offered delivery services pivoted. “And so, they can be a pitfall if agencies aren’t asking questions around that, and they’re not advising their client that they need to make sure they have that coverage in place,” she said. “And then another place, kind of related to that, where we’ve seen a rise of claims is around excess insurance.” Brad Schreck, national claims manager at PCF Insurance Services, said his company has seen exposures arise from wholesalers placing coverage for its clients. Due to the hard market, coverage placement has become more difficult, which naturally leads to wholesalers and MGAs. When independent brokers assume that wholesalers are quoting them on the same coverage as admitted carriers, it can lead to exposures. Brent Winans, vice president of Clear Advantage Risk Management, echoed this point. Switching to an excess and surplus market and failing to check if something like hired and non-owned auto is on the policy, for example, “that’s just the kind of exposure that you end up with,” he said.

Artificial Intelligence

As intriguing as generative artificial intelligence platforms like Chat GPT are, they do present pitfalls. Agency owners who don’t think anyone in

To watch this full webinar on agency E&O visit: https://www.insurancejournal.tv/videos/23052/. 12 | INSURANCE JOURNAL | JANUARY 22, 2024

their agencies is using it are probably wrong, Whitney said, and she urged owners to have discussions with their staff about proper use. “A lot of the tools out there are open source, so if you type in a client’s name and information … it’s out there now,” Whitney said. “You really need to be very careful with client confidential information.” Schreck later added that “it’s pretty clear that carriers haven’t wrapped their arms around this yet, either.” So, if an insurance agency is using artificial intelligence to market, complete policy checks or fill out applications and an error results from that, “we haven’t seen what the carriers are going to do with their forms,” he said. “And … I don’t think you want to be the first agency to set that precedent and open that exposure,” Schreck said.

Underinsured Properties

As claims costs increase, appraisals that were completed even as recently as 18 months ago may no longer be accurate, Whitney said. And Schreck noted that even when agents extend and document proper coverage, there can still be the expectation from clients, especially following a catastrophe and loss on a large scale, that the agent “should have known that I need higher coverages, even though I signed off on the lower coverage.” When a large catastrophe claim occurs, it becomes a question of survival for policyholders, and they look for any available resource to go after. That’s where exposure risk arises for agency partners, Schreck said: trying

to stay ahead of that curve and anticipate needs — even if it’s something that the client doesn’t know they need. “If you offer it and they don’t take it, you make sure you get it in writing,” Whitney said.

Buying Coverage

Whitney encouraged agents to review their coverage limits annually. She explained how taking on bigger clients that have bigger exposures factors into decision-making, and she emphasized the importance of examining the insolvency portion of coverage. Winans used a rhetorical scenario to highlight that a million dollars 20 years ago is not the same as a million dollars today. He asked how many million-dollar homes an agency insured two decades ago and how many million-dollar homes they insure today. If many of those homes were hit by the same flood tomorrow and the insureds were never offered excess flood insurance, what limits would they need? “It’s just a different magnitude that we’re dealing with now in insurance limits, as with everything else,” he said. Schreck agreed: “More coverage is always recommended.”

Carrier Assistance

“E&O carriers really can be an enormous help to the agent in being able to resolve situations where the primary carrier is denying coverage,” Winans said. “And they can assist a great deal, sometimes, too, with communication with the insureds about what’s going on and get the agent out of the middle.” INSURANCEJOURNAL.COM

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Spotlight: Reinsurance A Return to Balance: Brokers Say Reinsurance Renewals Were ‘Stable’

By L.S. Howard

his year’s January reinsurance renewals were described by brokers as “stable,” “predictable,” “orderly,” “calmer,” “disciplined,” with “increased appetites” and a return to supply/demand balance. What a difference in tone from last year’s grueling January renewals. “In a marked change on a year ago, the supply of property catastrophe reinsurance capacity at the January 1 renewal was more than adequate to meet demand, resulting in a competitive environment for peak perils and upper layers,” according to Aon in a market report titled “Reinsurance Market Dynamics — January 2024.” Indeed, Aon said, most reinsurers entered the renewals “with ambitions to grow in property catastrophe reinsurance and the market

was therefore more consistent in its approach to pricing and terms.” “This year, property supply and demand has snapped back into balance, with returns for the first three quarters of 2023 exceeding reinsurers’ increased cost of capital,” according to Gallagher Re’s 1st View report, aptly titled “What a Difference a Year Makes.” “Retained earnings, modest new capital raises, ample retrocessional capacity and buoyant ILS markets combined to increase available catastrophe reinsurance limit,” the report noted. Gallagher Re said the structural changes seen during the January 2023 renewals “really were an exception, with a much calmer renewal period and an improved alignment of all parties’ expectations leading into 2024.” The January 2024 renewal season “provided a welcome

14 | INSURANCE JOURNAL | JANUARY 22, 2024

return to more stability and predictability, allowing the expectations of all parties to be managed in a less rancorous fashion than 12 months ago,” Gallagher Re affirmed. “The January 1, 2024 treaty renewal proceeded relatively smoothly, as a rebound in profitability, rebuilding capital positions and greater availability of retrocession capacity encouraged many reinsurers to display increased appetites at the enhanced terms established in 2023,” said Aon’s report. “Renewals took place in an environment of more favourable supply dynamics, but also underwriting discipline,” according to Howden in a release that accompanied its market report titled “A new world.” “The result was a relatively stable and orderly renewal, with supply more than sufficient to meet increased demand.”

“Pricing was stable overall, with any significant variation by territory or line of business informed by loss experience. Structures saw incremental changes, having undergone significant adjustments in 2023,” the Howden report said. “Dedicated reinsurance capital has recovered to near record levels. Generationally strong pricing, favourable terms and conditions in key lines of business and pursuant, higher returns on capital have enticed capacity back into the market through multiple channels,” commented David Flandro, head of Industry Analysis and Strategic Advisory, Howden Tiger, in a statement. “This, combined with a rapid recovery in traditional balance sheets has meant there was excess capacity for some placements. The structure of the reinsurance market continues to change, with alternative

continued on page 27 INSURANCEJOURNAL.COM

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Figures

The number of automobiles recovered in mid-December by Auburn, Massachusetts, police within 36 hours of the cars being stolen from a local auto rental business. The vehicles were 2020 or newer models. According to police, the thieves cut two sections of fence and damaged a secure gate by driving a large vehicle through to make an exit. Three Boston men have been charged.

$1.69 Billion

The approximate cost of damage to Louisiana’s agriculture and forestry in 2023 from excessive heat and drought, according to a study, “Preliminary Estimates of the Impacts of Drought and Excessive Heat on Louisiana Agricultural and Forestry Sectors, 2023,” from the Louisiana State University Agricultural Center.

3% The surplus lines insurance tax rate now effective in Kansas, due to the state legislature’s passage of a law lowering the surplus tax rate from 6% to 3% for tax years 2024 and after. According to Kansas Insurance Commissioner Vicki Schmidt, the new rate of 3% applies to policies effective on or after Jan. 1, 2024, and to any endorsements.

16 | INSURANCE JOURNAL | JANUARY 22, 2024

$5.1 Million The amount GEICO Indemnity Co. has agreed to pay, and a federal court in Georgia has approved, to settle a class-action lawsuit in which plaintiffs said the insurer had shorted them on ad valorem taxes when their vehicles were totaled. The class action includes 31,000 insureds, bringing the average payout to about $164, the settlement agreement notes. The attorney fees to the plaintiffs’ law firms will be about $1.5 million, almost 30% of the total settlement amount. INSURANCEJOURNAL.COM

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Declarations

Auto Severity

Pennsylvania Flood Insurance

Big I Illinois

“Workplace patterns have changed post-pandemic with work-from-home arrangements, reducing the number of vehicles on the road. However, driver inattentiveness and riskier driving habits have become more problematic in the last few years, and as a result, auto severity has worsened.” — Said Christopher Graham, an AM Best senior industry analyst and co-author of the company’s market segment report that shows the 112.2 net combined ratio in 2022 for personal auto was an almost 11-point deterioration from 101.5 in 2021. In addition, it is about 10 points over the 10-year average and median combined ratios for the line, according to AM Best.

“After flooding disasters, PID hears devastating stories from residents who thought they were covered for flood through their homeowners’ insurance policy but were not. FEMA’s revised flood maps now require more Pennsylvania properties to hold flood insurance and many owners are struggling to meet that requirement.” — Pennsylvania Insurance Commissioner Michael Humphreys said, announcing the state has established the Flood Insurance Premium Assistance Task Force to recommend policies to make flood insurance more affordable. Humphreys said the insurance department “strongly encourages insurance agents to highlight the availability of flood coverage when meeting with clients to discuss new or renewal coverage.”

“We are excited to launch a new name and look that will usher the association into its next chapter, and it’s fitting to do so while celebrating 125 years of providing education, advocacy, and business resources to independent agencies. … Big I Illinois signifies who we are: the preeminent professional trade association for independent agencies in Illinois.” — Independent Insurance Agents of Illinois CEO Phil Lackman commented after the agents’ organization announced it will rebrand to Big I Illinois in 2024 and launch a new website and logo. Big I Illinois has nearly 1,000 insurance agency members representing over 10,000 licensed independent agents.

Florida Market

New Mexico v. Meta

Consumers and Insurance Costs

“New private capital entering the market, such as the several new reciprocal exchanges formed during 2023, will further fuel expansion through Citizens takeouts and other voluntary new business origination.” — States a report by KBRA, formerly known as Kroll Bond Rating Agency, covering the Florida insurance market. KBRA rates and analyzes 13 Florida-domiciled property insurers. According to the report, 2024 could see more entrants into the Florida market but reinsurance rates will continue to rise for the next two years.

18 | INSURANCE JOURNAL | JANUARY 22, 2024

“Our investigation into Meta’s social media platforms demonstrates that they are not safe spaces for children but rather prime locations for predators to trade child pornography and solicit minors for sex.” — New Mexico Attorney General Raul Torrez said after the state sued Facebook and Instagram parent Meta Platforms META.O and CEO Mark Zuckerberg, alleging the social media company had failed to protect children from sexual abuse, online solicitation, and human trafficking. According to Reuters, Meta reported it uses multiple methods to root out sexual predators and that in August alone it had disabled more than 500,000 accounts for violating child sexual exploitation policies.

“Consumers are grappling with increased insurance costs, yet many of them don’t realize the extent that economic pressures and market dynamics are affecting their rates.” — Charles Symington, Big I president & CEO, said, commenting on a survey released in mid-December by Trusted Choice — the national consumer brand representing the members of the Independent Insurance Agents & Brokers of America (the Big I) — that found that while nearly 70% of American are shopping their insurance policies to find a better price, only one third of them are unaware that external economic factors affect insurance rates.

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Business Moves Arthur J. Gallagher, Coverys Insurance

Arthur J. Gallagher & Co. has acquired certain assets of the retail agency business of East Lansing, Michigan-based Coverys Insurance Services. Coverys Insurance Services is a full-service insurance broker specializing in medical malpractice and professional liability for healthcare clients throughout Michigan. The Coverys Insurance Services team will remain in their current location under the direction of Ryan Isaacs, head of Gallagher’s Midwest region retail property/ casualty brokerage operations.

National

Confie, Acceptance Insurance

Confie has added Acceptance Insurance’s retail division to its family of brands. Confie said its latest acquisition expands its footprint to 26 states across the U.S. with the retail store additions in Ohio, Pennsylvania and Mississippi. Acceptance Insurance operates more than 288 retail locations in 13 states where it sells and services primarily non-standard insurance. Acceptance’s product portfolio primarily includes auto, motorcycle, renters and home insurance products. It will continue to operate under its current brand.

East

Risk Strategies, Prince Associates

Boston-based Risk Strategies has acquired Prince Associates Inc., a multiline retail independent insurance agency founded in 1964 and based in Hicksville, New York. Led by Leith Baren and Craig Sherman, Prince Associates serves clients across 41 states in various industries including waste disposal, manufacturing, animal shelters, hospitality and real estate. It offers risk management reviews, loss control analysis, claims handling overviews, flexible financing and alternative risk transfer options. Prince Associates also provides personal lines coverages including homeowners, property, renters, auto, flood and identity theft. 20 | INSURANCE JOURNAL | JANUARY 22, 2024

Bailey Place Insurance, Tanner Ibbotson

Bailey Place Insurance has agreed to acquire Tanner Ibbotson in a merger of two historic Cortland, New York-based independent insurance agencies. Effective April 1, Tanner Ibbotson’s office on West Road will close. No layoffs are planned and most of the expanded 30-plus person Bailey Place workforce will operate from the company’s North Main Street offices in downtown Cortland. Bailey Place also has offices in Dryden and Ithaca. Bailey Place’s roots in Cortland go back to 1858. Tanner Ibbotson was founded in 1928.

Midwest

Specialty Program Group, Insurance Allies

Specialty Program Group LLC (SPG), an operator of specialty insurance brokerages and underwriting facilities, acquired the assets of Insurance Allies LLC, which specializes in the axe throwing and sports and entertainment industry, operating the website AxeThrowingInsurance.com. Chicago-based Insurance Allies services approximately 700 entertainment venues including numerous mobile-only venues across the U.S. In addition, Insurance Allies has expanded coverages and services to numerous other sports and recreational industries, including pickleball, haunted houses, smash rooms, go-kart venues, escape rooms, laser tag and many others. Specialty Program Group is a specialty platform headquartered in Chicago.

South Central

Inszone, Max Breisse Insurance Agency

Inszone Insurance Services, a national provider of commercial, personal, and benefits insurance, has acquired Max Breisse Insurance Agency. Based in Katy, Texas, the acquired agency was founded by Max Briesse in September of 2007. The physical office in Katy will remain open.

Higginbotham, Marshall Young Insurance

Higginbotham announced a strategic alliance with Marshall Young Insurance of Cleburne, Texas. Founded in 1965 by Marshall Young as a construction, real estate, and insurance firm, Marshall Young Insurance now brings insurance solutions to a wide range of personal and commercial clients. At the firm, focused teams share specialized expertise with niche industry clients such as restaurants, propane and fuel dealers, pest control, childcare centers, churches, golf courses, convenience stores, contractors, warehouses, and logistics operations. Higginbotham is headquartered in Fort Worth, Texas.

Southeast

Higginbotham, WRM Group

WRM Group, formed just over a year ago with the merger of two of Alabama’s oldest insurance agencies, has now joined Higginbotham. WRM, which stands for Where Relationships Matter, was founded in INSURANCEJOURNAL.COM

2022 when Byars/Wright Insurance, in Birmingham, and Pritchett-Moore Insurance of Tuscaloosa merged. Both firms were more than 75 years old and have offices around the state.

Choice Financial Group, Jeff D. Hackmeier and Associates

Virginia-based Choice Financial Group acquired Jeff D. Hackmeier and Associates, a south Florida insurance agency catering to high net worth clients. Hackmeier, based in Bay Harbor Islands, near Miami, has been in business since 1978. It provides employee benefits, life, disability, long-term care and health insurance products. The acquisition is Choice Financial’s eighth this year and expands the firm’s presence on the East Coast. Insurance industry veteran Bob Hilb is CEO of Choice.

Brown & Brown, Automotive Business Solutions

Brown & Brown Dealer Services has completed the acquisition of Automotive Business Solutions. The ABS team will continue to be led by CEO Michael Cox from their current offices in Denver, Colorado.

ABS is an administrator of warranty products in the automotive aftermarket, providing nationwide parts and labor repair warranties, national road hazard programs and component-specific warranties. Brown & Brown Inc. is a brokerage firm with roughly 500 locations worldwide.

West

IMA, LTC Performance Strategies

LTC Performance Strategies Inc. in Southern California has been acquired by IMA Financial Group. Following the acquisition, LTC’s leadership will join IMA. LTC will become LTC, an IMA company and will maintain its headquarters in Valencia, California. LTC will complement IMA’s employee benefits services. IMA is an independent broker and a majority employee-owned and managed company with 2,300-plus associates in offices across the country. It specializes in risk management, insurance, wholesale brokerage and wealth management.

Inszone, Letherer Insurance Consultants

Inszone Insurance Services acquired Letherer Insurance Consultants, based in New Mexico. Letherer Insurance Consultants specializes in professional liability coverage for attorneys, dentists, doctors and accountants. Sacramento, California-based Inszone is an insurance brokerage that provides property/casualty insurance and employee benefits. INSURANCEJOURNAL.COM

Count On Us. We listen carefully and respond professionally. Contact Nautilus Today. Commercial Excess | General Liability Inland Marine | Light Brokerage Privacy Breach | Property nautilusinsgroup.com | 800.842.8972 Nautilus Insurance Group products and services are provided through various Surplus Lines insurance company subsidiaries of W. R. Berkley Corporation and offered through licensed Surplus Lines brokers. Not all products and services may be available in all jurisdictions, and the coverage provided by any insurer is subject to the actual terms and conditions of the policies issued. Surplus Lines insurance carriers do not generally participate in state guaranty funds and insureds are therefore not protected by such funds. ©2024 Nautilus Insurance Group. All rights reserved.

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JANUARY 22, 2024 INSURANCE JOURNAL | 21

People National

London-based Rokstone, the Aventum Group’s re/insurance MGA, appointed Alex Berisha head of U.S. marine cargo and Derek Vandermyde as underwriting manager, Inland Marine. Both are based in New York. Berisha joins from Liberty where he was vice president, U.S. marine cargo manager for the past 17 years. Vandermyde joins from Starr Insurance where he was senior underwriter for inland marine.

Marsh named Janice Kowell marine, cargo and

logistics practice leader, U.S. and Canada. Kowell is based in Portland, Ore. Kowell succeeds Michael Pellegrini, who has been Janice Kowell named regional head of Marsh Specialty, U.S. and Canada. Kowell brings more than 40 years of marine insurance experience to the role. She joined Marsh’s Marine and Energy practice in 1981. Broker WTW appointed Brad Messinger leader of the financial institutions and professional services industry division. Messinger assumes the role while continuing his current duties as the region leader for the Northeast.

Lockton, headquartered in Kansas City, Mo., appointed Andrea Lieberman U.S. financial services claims leader. Lieberman brings over 30 years of experience to Lockton, including 27 years at Marsh. Sarah Downey transitions from financial services claims leader into the newly created role of U.S. financial services head of operations.

East

Integris Group, headquartered in Glastonbury, Conn., named Christina Canales-Perry director of claims. Before joining Integris, Canales-Perry was a partner at Morrison Mahoney LLP, specializing in the defense of medical professional liability claims. 22 | INSURANCE JOURNAL | JANUARY 22, 2024

Falvey Insurance Group, headquartered in North Kingstown, Rhode Island, hired Tom Nasso as chief underwriting officer. Nasso most recently served as executive vice president, head of ocean marine at Ascot Group. Tom Gibbons joined the nationwide agency network Iroquois as an agency manager in Portland, Maine. Gibbons will serve members in New England. Independent insurance agency RCM&D, headquartered in Baltimore, Maryland, named Angela Dignan as healthcare division director. Dignan has been with RCM&D for more than 16 years, serving in various leadership positions.

Midwest

Leif Assurance, headquartered in St. Louis, Missouri, hired Robert Worden as a construction insurance specialist. Worden has nearly 15 Robert Worden years of insurance industry experience. Before joining Leif Assurance, he most recently served as senior vice president, insurance sales and support, insurance education specialist at Bremer Bank. Alliant Insurance Services, headquartered in Irvine, Calif., hired Rick Kahle as senior vice president within its employee benefits group in the Kansas City metropolitan area market. Kahle previously served as co-founder at Crux-Xcelerate and producer/president at Lockton Companies. Alliant named James Spears senior vice president within its Alliant Americas division. He is based in Kansas City. Spears has over 15 years of experience in property/ casualty and risk management. Before joining Alliant, he served as area vice president at Gallagher. Ann DiPasquale joined Alliant as senior vice president within its employee benefits group. DiPasquale is based in Kansas City and has more than 15 years of benefits, healthcare and consulting experience. Alliant hired Morgan Jensen as vice president within its Alliant Americas

division. Based in St. Louis, Jensen has over 20 years of insurance experience.

Rockford Mutual Insurance Company

(RMIC), headquartered in Rockford, Ill., named Rob Jacobson president and CEO. Jacobson has over three decades of property/casualty insurance, including leadership roles Rob Jacobson at Liberty Mutual, AAA The Auto Club Group and, most recently, Kingstone Insurance Co. Former president and CEO Kent Shantz stepped down effective Nov. 1, 2023, and will remain with RMIC as a senior management consultant through August 2024.

H.W. Kaufman Group, headquartered in Farmington Hills, Mich., promoted 11 associates. Mark Engel was promoted to senior vice president, managing director, RB Jones, from corporate vice president, managing director, RB Jones Marine & Energy. David Janis was promoted to corporate vice president, general counsel, H.W. Kaufman Group, from general counsel, H.W. Kaufman Group. Tyson Peel is now regional vice president, managing director, Burns & Wilcox Canada, from vice president, director, commercial insurance, Burns & Wilcox Canada. Justin Sadaphal is now vice president, Burns & Wilcox Canada, from associate vice president, Burns & Wilcox Canada. Brad Turner was promoted to vice president, national product manager, flood, Burns & Wilcox, from associate vice president, national product manager, Burns & Wilcox. Heather Posner was promoted to vice president, national product manager, private client, Burns & Wilcox, from associate vice president, national product manager, private client, Burns & Wilcox. Laura Baker was promoted to associate vice president, producer development, H.W. Kaufman Group, from director, INSURANCEJOURNAL.COM

producer development, H.W. Kaufman Group. Patricia Chiodo is now associate vice president, HR business partner, Burns & Wilcox Canada, from director, HR business partner, Burns & Wilcox Canada. Pam Alphabet was promoted to associate vice president, regional practice leader, personal insurance, Burns & Wilcox, from regional practice group leader, personal insurance, Burns & Wilcox. Yuri Petrasz is now associate managing director, Burns & Wilcox, from manager, commercial insurance, Burns & Wilcox. Dario Nalli was promoted to senior director, digital business development, H.W. Kaufman Group, from director, digital business development, H.W. Kaufman Group.

South Central

Von Breaux joined Novatae Risk Group, headquar-

Von Breaux

tered in Grapevine, Texas, as chief operating officer. Breaux has more than 35 years of insurance industry leadership experience. He previously served as chief development officer at BXS Insurance, and as president and CEO at Sleeper Sewell Insurance Services and ANBTX Insurance Services Inc.

Holdings, named two people to help lead its risk services division. Brandon McCosh was promoted to national director, risk control; and Shane Sumrall was named national director for claims. McCosh joined McGriff’s risk services division in 2017. Sumrall has been with McGriff since 2008.

Brandon McCosh

Shane Sumrall

West

Lee Exton has joined Woodruff Sawyer as vice president, employee

benefits. Before joining Woodruff Sawyer, Exton spent over 30 years in employee benefits and health care consulting at Marsh McLennan, HUB International, Watson Wyatt, and Keenan. Exton is based in Irvine, Calif.

Josh Tyndell has joined Lockton in its Seattle office. Tyndell has 20 years of experience in the insurance industry. Before joining Lockton, Josh Tyndell he was a founding partner at BK-JET Group which was acquired by HUB International in 2018. Digital insurance specialist, Joshu, headquartered in Menlo Park, Calif., named Mark Burkhart as vice president of growth. Before coming to Joshu, Burkhart managed relationships at Decision Research Corporation and was a segment lead within the specialty division at Berkley Technology Services.

Alliant Insurance Services hired Martin Khalaf as senior vice president within its

Alliant Americas division. Khalaf is based in San Diego, Calif.

Alliant Insurance Services

named Richard Woods vice president within its Alliant Americas division. Woods is based in Dallas. Before joining Alliant, Woods was a risk management consultant at Lockton. Greg Sanford joined Alliant as vice president within its Alliant Americas division. Sanford is based in Houston.

Southeast

Alliant Insurance Services named Kyle Sullivan as vice president for its Americas Division. He is based in Tampa, Florida. Alliant hired Macenzi Holmes-Morton as vice president in the same division, focused on growing the client base in the Southeast. He is based in Miami.

McGriff, a Charlotte-based insurance

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Idea Exchange: The Competitive Advantage

Do Regulators, Insureds and Agents Understand How Reciprocal Carriers and Some New MGAs Work?

recently read an article regarding how the U.S. Senate wants to investigate how well reserved Florida Citizens is because By Chris Burand of their expressed concern that if a large hurricane destroys enough property insured by Florida Citizens, will Florida Citizens have the wherewithal to pay claims? That seems like a pretty reasonable question to ask and because the state is the insurer, a reasonable person might conclude that a bias exists if the state insurance department reviews the state insurance company (read the lawsuits/charges between the California Department of Insurance and the California state insurance company for interesting perspectives on this point). A commentary in the article struck me as circular logic. Some Florida insurance people think Florida Citizens is the best capitalized insurance company in the U.S. because in the event of a storm, “… Florida law [requires] surcharges and assessments on its policyholders and all Florida insurance consumers … .” That is a reciprocal, though being a state insurance company, it 24 | INSURANCE JOURNAL | JANUARY 22, 2024

is not called a reciprocal. If a huge storm, maybe a Hurricane Andrew-level storm, hits causing a problem with Florida Citizens being able to pay all its claims, then the state will assess its policyholders per this perspective. Due to the storm, some portion of its policyholders will have lost all their property and they will experience long delays to rebuild — if, and it’s a big IF (look at Ft. Myers for proof) they can afford to rebuild. And yet, the state is mandating those policyholders pay them more money so they can afford to pay that money back to resolve the claim. Given how many people have decided to go naked relative to homeowners insurance in Florida, would the pool of insureds not affected by a large storm be big enough? And I wonder how everyone else in the state would react if they were assessed a large sum given how much money they are already paying? If I were one of those policyholders, I might advise them to stick their assessment where the sun doesn’t shine. It seems the Senate has a reasonable point unless you believe the assumption that all the good citizens of Florida will gladly and willingly pay more for someone else’s claims or even their own claim for

which they’ve already paid premiums. Clearly that is the religion some people are practicing. The same goes though for regular assessable reciprocals. Quite a few property reciprocals have been created from scratch in the last few years. If you have one where all their surplus is in the form of a loan and/or the potential to assess policyholders, how secure is their true surplus? How happy will their lenders be if the carrier goes insolvent due to claims and, simultaneously, how happy will policyholders be when their home has been destroyed and they get their assessment bill in whatever mailbox might still exist? Sure, on paper it all works out. Given the private equity compensation model some of these carriers have developed, some of the executives will be just fine since they get paid upfront, not based on performance and without claw backs in case of insolvency. To be clear, I am not picking on Florida. They just provide an easy example for readers to digest. More reciprocals exist than most agents know. I have met many agents selling reciprocal products across the country who did not realize the carrier was a reciprocal. I have met many agents

continued on page 26 INSURANCEJOURNAL.COM

News & Markets Washington Commissioner’s Fines Include Order to Stop Selling Insurance, $50K Fine

ashington Insurance Commissioner Mike Kreidler issued several fines for insurers, agents and entities in December, including ordering Zion Health to stop selling insurance illegally in Washington, fining the company $50,000. Kreidler’s office issued an initial ceaseand-desist order to Zion in February 2022. The final order was signed on Dec. 19, 2023. Zion Health, domiciled in Salt Lake City, reportedly offered and sold insurance in Washington without being authorized to do so by the Office of the Insurance Commissioner. The company also excluded coverage for pre-existing health conditions for two years and excluded coverage for termination of pregnancy. Zion, as of October 2021, had enrolled a total of 984 members in Washington and collected a total of $1,196,652 from those members, while paying out $568,274 in claims. The $50,000 Zion Health fine was part of the $78,000 total in fines Kreidler’s office issued in December for violations of state insurance laws and regulations. The other fines and reported violations

included: • Allstate Property and Casualty Insurance Co., Northbrook, Ill.; fined $3,000. Allstate didn’t use its legal underwriting name on consumer-facing documents, including payment notification emails, estimates, email signatures and other formal written correspondence. • The Evangelical Alliance Mission, Villa Park, Ill.; fined $10,000. The Evangelical Alliance Mission issued charitable gift annuities before obtaining a certificate of exemption from the OIC and without meeting insurance code requirements. The organization issued 33 annuities to 14 Washington residents before receiving an exemption. • AICC LLC, Philadelphia, Penn.; fined $10,000. AICC sold insurance to two Washington businesses, and received commissions, without being licensed to

do so by the OIC. • Michael Rawlings, Salt Lake City, Utah.; fined $5,000. Rawlings worked as an insurance adjuster in Washington between August 2022 and January 2023 without being licensed by the OIC to do so. In addition to the fine, he was issued a cease-and-desist order.

Oregon Judge Refuses to Dismiss 2015 Climate Lawsuit Filed by Youth

judge in Oregon rejected a U.S. Department of Justice request to dismiss a 2015 lawsuit brought by young people that alleges the federal government knew the dangers posed by carbon pollution but that it has continued through policies and subsidies to support the fossil fuel industry. U.S. District Court Judge Ann Aiken said the parties “do not disagree that the climate crisis threatens our ability to survive on planet Earth. This catastrophe is the great emergency of our time and compels urgent action.” “While facts remain to be proved, lawsuits like this highlight young people’s despair with the drawn-out pace of W2 | INSURANCE JOURNAL | JANUARY 22, 2024

the unhurried, inchmeal, bureaucratic response to our most dire emergency,” she wrote in her decision late last week. In a statement, Julia Olson, an attorney with the group Our Children’s Trust representing the plaintiffs, said she expects

a trial in the case later this year. In a similar lawsuit in Montana, a judge last year ruled the Montana Environmental Policy Act violates the plaintiffs’ state constitutional right to a clean and healthful environment. The 1971 law requires state agencies to consider the potential environmental impacts of proposed projects and take public input before issuing permits. The state`s attorney general has appealed that decision. The plaintiffs in the Oregon case argued the government has violated young people’s constitutional rights to life, liberty and property. Copyright 2024 Associated Press. All rights reserved. INSURANCEJOURNAL.COM

News & Markets Lawsuit Says Compensation Delayed for Victims of Worst Wildfire in New Mexico History

new lawsuit has been filed against the Federal Emergency Management Agency, alleging compensation has been delayed for victims of the largest wildfire in New Mexico’s recorded history. FEMA is responsible for doling out funds to people who suffered losses in the Hermits Peak/Calf Canyon Fire that began as two prescribed burns set by the U.S. Forest Service in January and April 2022 in northern New Mexico.

The blazes combined and burned about 341,000 acres in the mountains east of Santa Fe, destroying hundreds of homes and displacing thousands of residents in rural villages throughout the area. The federal government set aside nearly $4 billion last year to pay claims related to the wildfire. FEMA officials said as of last month, the agency had paid $276 million to 880 claimants who suffered losses.

The Santa Fe New Mexican reported Wednesday that the latest lawsuit involving the devastating wildfire was filed by 15 claimants who say FEMA officials misrepresented claim deadlines and has failed to process claims within a required 180-day time frame. The plaintiffs said FEMA has “unilaterally decided” the 180-day period to notify claimants of a compensation offer starts not when a claim is submitted but after the federal agency has “acknowledged” the claim, which can be as long as five months after it was filed. FEMA’s New Mexico information center declined to comment on the lawsuit, but it said it had identified a flaw in its reporting system that affected the timeline management of some cases. “We are addressing the issue and are calling the parties involved to notify them and discuss available steps to process their claims as quickly as possible,” Claims Office officials said in a statement to the New Mexican. The newspaper said the plaintiffs’ collective claims total nearly $17 million in losses. Copyright 2024 Associated Press. All rights reserved.

Mutual Insurance Company of Arizona Declares $15M Dividend

he board of Mutual Insurance Company of Arizona declared a dividend for its policyholders totaling $15 million. The funds are to be allocated among current members, with plans for it to be distributed in February 2024. The dividend represents roughly 18% of a policyholder’s 2023 annual premium for members insured by MICA for a full three-year period ending on the Dec. 31, 2023, record date. Members current as of the record date who were consecutively insured less than the full three-year period will receive a pro-rated amount, according to the company. Following the dividend distribution, W4 | INSURANCE JOURNAL | JANUARY 22, 2024

MICA reports returning $730 million in dividends to its policyholders since inception, including more than $100 million in the last five years. Since 2005, MICA’s board has awarded dividends to our policyholders each year. Additional information regarding the dividend will be available on the member portal in early February 2024. MICA is a physician-owned and

physician-directed mutual insurance company focused on providing medical professional liability insurance.

INSURANCEJOURNAL.COM

News & Markets

2024 Oregon Consumer Laws Include Protections for Homeowners Dealing with Wildfire

onsumer protections for homeowners dealing with wildfire-related issues, property contents coverage, personal data protection and prescription drugs are set to go into effect in 2024. The Oregon Division of Financial Regulation, part of the Oregon Department of Consumer and Business Services, complied the following list of consumer protection laws coming in January: Senate Bill 82 strengthens consumer protections for homeowners dealing with wildfire-related issues. It requires insurance companies to explain, using property-specific characteristics, why a policy might not be getting renewed or why a rate is going up, and to reflect in rating and underwriting plans how that insurer addresses or considers wildfire W6 | INSURANCE JOURNAL | JANUARY 22, 2024

risk mitigation actions. The bill also prohibits insurance companies from using statewide wildfire risk maps published by the Oregon Department of Forestry as a basis for canceling or declining to renew a policy or increasing premiums. SB 192 directs the Oregon Prescription Drug Affordability Board to develop a plan for upper payment limits to contain costs of prescription drugs in the state, requires pharmacy benefit managers to provide price transparency reports to DCBS, expands health insurance company transparency reporting and makes other technical changes to DCBS prescription drug pricing programs.

Oregon and permits the sale of registered index-linked annuities in the state. Producers and brokers must also complete a minimum four-hour training course with a continuing education provider that has registered with DCBS.

SB 536 establishes new disclosure and care obligations for the sale of annuities in

SB 1041 prevents group and individual health benefit plans that

SB 628 requires health benefit plan cov-

erage of certain treatments for pediatric autoimmune neuropsychiatric disorders associated with streptococcal infections.

SB 797 requires health insurance policies

that cover expenses of hospital, medical, or surgical services to cover medically necessary prosthetic and orthotic devices.

INSURANCEJOURNAL.COM

cover supplemental and diagnostic breast examinations from imposing deductibles, co-insurance, co-payments or any other out-of-pocket expenses on those services.

SB 1529 requires health benefit plan cov-

erage of three primary care or behavioral health visits with a co-pay of no more than $5 and requires health benefit plan issuers to automatically assign members to primary care providers if they do not select a PCP after the first 90 days of the plan year.

to submit an inventory if a total loss occurs due to a declared disaster.

HB 2994 expands the coverage of bilateral cochlear implants, hearing aids, and other hearing assistive technology. Also, the bill requires health benefit plans to reimburse the costs associated with

these services if they are prescribed by a licensed health care professional, requires reimbursement even if overthe-counter products are available, and requires specific information in adverse benefit determination notices related to claims for hearing-related items and services.

HB 2002 establishes a right to make deci-

sions about an individual’s reproductive health and allows any person to bring a civil action against a public body to enforce this right. The bill also establishes a statutory requirement for health benefit plans to cover gender-affirming treatment. It also prohibits medical malpractice insurers from taking adverse action against health care providers for providing reproductive health or gender-affirming care services that are legal in Oregon.

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HB 2052 requires data brokers to register with DCBS before collecting, selling, or licensing brokered personal data in Oregon. DFR published a press release on this new law on Dec. 13. HB 2282 updates the Oregon state law

codification of the Affordable Care Act preventive services coverage requirements to ensure access to this coverage in the event of a successful legal challenge to the ACA requirements.

HB 2574 prohibits cost sharing for health benefit plan coverage of post-exposure prophylactic drugs for the prevention of HIV. The bill also requires all Oregon hospitals to have policies and procedures in place for the dispensing of post-exposure prophylactic (PEP) drugs and requires the Oregon Health Authority to provide PEP drugs to Type A and B rural hospitals at no cost.

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HB 2982 requires homeowners insurance

issuers to offer 70% of property contents coverage without requiring policyholders

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JANUARY 22, 2024 INSURANCE JOURNAL | W7

News & Markets Google Must Bargain With YouTube Worker Union By Daniel Wiessner

lphabet Inc’s Google violated U.S. labor law by refusing to bargain with a union representing contract workers for YouTube Music, a federal

agency has ruled. The National Labor Relations Board (NLRB) rejected claims by Google, which owns YouTube, that it should not be considered the employer of workers provided by staffing firm Cognizant Technology

Solutions. The group of YouTube Music content operation workers voted 41-0 last April to join the Alphabet Workers Union, which was formed three years ago to organize the company’s employees. The labor board in July upheld the election results, rejecting Google’s claim that it did not have enough control over the workers to be considered a so-called “joint employer” that must bargain with their union.

Employers cannot appeal decisions in election cases, so Google refused to bargain in order to get the case back before the NLRB. The NLRB said the company had not raised any new issues warranting review. Google in a statement said it would ask a federal appeals court to review the ruling. Katie-Marie Marschner, a YouTube Music worker and member of the union, said in a statement that Google and Cognizant have made various changes to working conditions without bargaining, including requiring workers to return to the office and removing sick pay. Google has faced an uptick in labor organizing in the United States and abroad in recent years, including a series of worker protests over the company’s business and employment policies. In November, a group of about 120 employees of Google contractor Accenture who work on artificial intelligence applications voted to unionize. Google claims it is not the workers’ joint employer and is challenging the results of that election. Copyright 2024 Reuters. All rights reserved. 2023 JM Wilson Insurance Journal _v2.indd 1

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Idea Exchange: The Competitive Advantage continued from page 24 who have had no idea what is different about a reciprocal. To varying degrees, reciprocal insurance companies do not have to have money in the bank or in bonds to the extent regular carriers must, because they theoretically have the ability to assess their clients. Maybe these official solvency calculations work on paper, but are they ivory tower calculations? If push comes to shove, how much money will actually be collected from an insured in Ft. Myers, Florida, who has lost their home, possibly because they did not purchase or their carrier did not offer adequate ordinance and law coverage (and if their loss is deemed a flood loss, that policy typically has limits far too low for rebuilding to current code), can’t rebuild, and they must find a new home while paying an assessment? This could just as easily be a wildfire or some other event. If you are the agent, what duty do you have to explain to a client that they, the insured, are the insurance company? By buying insurance from an assessable reciprocal, do they understand they’re promising some of their own money to pay for claims? This might be a point worth disclosing even though the reciprocal carriers are supposed to provide additional disclosures to insureds explaining this. The

agent might want to provide an additional explanation because the agent is the one who will have to deal with the problem. Not all reciprocals have the same issues. Some have proven their ability to pay without assessing clients for decades. Not all reciprocals are assessable either. As with any market, agents have a duty to understand the carrier with whom they are placing business. This duty extends to your staff because they likely place most personal lines accounts, so your staff having this knowledge is extremely important. Do regulators and politicians understand that a small reciprocal with no material geographic dispersion is really rolling the dice with policyholders’ futures? I understand the level of desperation in some states, but not all states are in the same position. And maybe even in the more desperate states, better knowledge could help regulators better craft consumer protections. Similarly, everyone in the agency needs to understand the difference between surplus lines and admitted markets. They need to understand the extra risks of surplus lines. I find many people don’t know the critical differences resulting in materially higher risks than necessary. They need to understand how some of these newer carriers are really MGAs and how this affects the way an application

must be written. This goes for the regulators, too. In some cases, states are so desperate for any carrier, no one seems to want to look too hard. “It’s better to have some carrier than no carrier.” I agree, until the carrier can’t pay claims. The solution varies by line and state, but in general, why would smart capital enter a market where poorly capitalized companies can take on market share and whose owners will be paid well regardless of whether the market survives the next storm? Why should they enter a market where the state fund underprices them because the state fund “can’t” go insolvent? Why should they enter a market where some carriers’ surplus is accepted but maybe not actually in equity or cash? The ROI is too small for well capitalized carriers. The deck is stacked in favor of weak carriers. A stable insurance market is more likely if the surplus requirements in quantity and quality are such that the barrier to entry is too high for marginal players. The idea of needing a “sandbox” for discovery of new solutions is great, provided enough surplus exists. A funny fact exists in the insurance world and that is, no matter the model, eventually a carrier needs to be profitable and generate quality surplus adequate to support its premiums. Sandboxes should always require adequate (use a BCAR rating equal to industry average as a good benchmark) surplus regardless of the model. Solid surplus, in quantity and quality, correlates strongly to market stability. This boring fact needs to be appreciated by regulators and agents. And disclosures to policyholders is critical to their well-being and agents’ E&O. Burand is founder and owner of Burand & Associates LLC based in Pueblo, Colo. Phone: 719-4853868. E-mail: chris@burand-associates.com.

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Spotlight: Reinsurance continued from page 14 capital now comprising nearly a quarter of the total,” Flandro added. “Retentions remained stable as healthy levels of capacity put pressure on pricing, and over-placements led to strong signings. Capacity for frequency protection was once again at a premium. This led to stronger competition further up programs, with some higher-attaching layers oversubscribed and competitively priced,” Howden’s report continued. “Towards the end of the renewal season, discussions focused on reinsurer signing activity as supply increase outstripped demand year on year. Expected returns remain a key hurdle for reinsurers as underwriting remained front and center for renewals, but capacity was available where return thresholds were met,” Aon’s report said. Gallagher Re also pointed to signs of over-placements on well-structured programs, which indicates that some buyers will see improving positions going into 2024. “From a pricing and structure perspective, reinsurers managed to hold their positions, but perhaps not always their shares, and some buyers remain dissatisfied about the lack of available capacity for earnings protections,” Gallagher Re said.

impact from severe convective storm activity in the US and Italy, windstorm Ciaran in France, flood losses in New Zealand, flood and wildfire losses in Greece, a major earthquake in Turkey and Hurricane Otis in Mexico,” Aon said. Such losses not only eroded capital, but they also introduced more volatility into underwriting results “and resulted in increased rating agency scrutiny for many insurers which has driven some increased demand for reinsurance protection going into 2024,” Aon continued. Ceding companies also had to bear most of the losses from severe convective storms (SCS), which exceeded US$59 billion in 2023. U.S. insurers assumed most of the SCS losses net, “given increased retentions and the scarcity of aggregate protection,” said Gallagher. “Divergence also exists in personal and commercial lines, with those operating in tightly regulated markets having limited ability to pass on the increased cost of risk.”

Better Communication

Howden’s report noted that reinsurers’ plans were better telegraphed in the weeks leading up to Jan. 1, 2024, which meant that “the tensions and dislocations that characterised last year’s renewal were far less acute.” Aon agreed by saying that this year’s property renewals “proceeded in a timely manner, with most reinsurers taking a more constructive and open approach.” “Following a challenging 2023, global insurers have renewed their focus on trading relationships, reinforcing the value placed on consistent reinsurer communication and the breadth of trading relationships,” Aon said. Indeed, Aon emphasized that differentiation in the behavior of both insurers and reinsurers was important during the January 2024 renewals. Generally, insurers looked to reward reinsurers that were most supportive during the challenging 2023 renewals, Aon noted.

Cedent Challenges

“For many cedents, it was a challenging year. Capital buffers had already been eroded by unrealized investment losses going into 2023 and many were carrying less reinsurance coverage principally in the form of higher retentions forced by reinsurers in 2023,” said Aon, noting that insured losses from natural catastrophes were again at elevated levels relative to historic averages. “Insured catastrophe losses exceeded US$100 billion for the fourth straight year in 2023, indicating an elevated baseline for loss expectations. The lion’s share of insured losses were borne by insurers following reinsurers’ structural retreat from frequency risks through 2023’s renewal cycle,” according to Howden’s report. These global catastrophe claims were “driven mainly by an unprecedented FRENK16581.indd 1

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Idea Exchange: Is It Coverred? Logic & Language and Forms & Facts Illinois Supreme Court Applies ‘RTFP!’ Principle to Faulty Workmanship Claims

s reported by attorney Randy Maniloff in his Coverage Opinions newsletter, the Illinois Supreme Court has finally addressed coverage for construction defects, joining what is probably a slight majority of legal By Bill Wilson jurisdictions in finding that faulty or defective workmanship CAN trigger the insuring agreement of a commercial general liability (CGL) policy. This overturns the vast majority of lower court decisions in Illinois and perhaps the 7th federal district for cases in Illinois, and it may result in the appealing of cases from at least the last decade. Many jurisdictions around the country have found that faulty or defective workmanship cannot trigger coverage under a CGL policy because such damage is not caused by an “occurrence” nor does damaging your own work constitute “property damage.” I have written for many years that I believe such decisions are poorly decided, based on the precise language of CGL policies rather than generalizations about what liability insurance should or shouldn’t cover. This is how the ISO CGL policy defines “occurrence”:

that “accident” means:

[A]n unusual, fortuitous, unexpected, unforeseen or unlooked for event, happening or occurrence; an unusual or unexpected result attending the operation or performance of a usual or necessary act or event ... Insurance contract ... [a]n accident within accident insurance policies is an event happening without any human agency, or, if happening through such agency, an event which, under circumstances, is unusual and not expected by the person to whom it happens. A more comprehensive term than “negligence,” and in its common signification the word means an unexpected happening without intention or design. So, the question addressed by most state and federal courts has been, does faulty or defective workmanship trigger coverage

(or at least a defense) under a commercial general liability policy? Over the years, courts have split over this, with arguably a slight majority finding that unintentional faulty or defective workmanship DOES trigger coverage under, for example, an ISO CGL policy. A notable exception to these decisions has been Illinois where both state and federal (7th district) courts have generally found that faulty or defective workmanship does not constitute an “occurrence” under a CGL policy and, thus, does not trigger the insuring agreement. Most of these courts have also held that such claims do not involve “property damage,” as defined by, for example, the ISO CGL policy, unless it is damage beyond the scope of the project or the contractor’s work.

“Occurrence” means an accident, including continuous or repeated exposure to substantially the same general harmful conditions.

The Merriam-Webster dictionary defines an “accident” to include:

[A]n unforeseen and unplanned event or circumstance. [L]ack of intention or necessity. [A]n unfortunate event resulting especially from carelessness or ignorance. [A]n unexpected happening causing loss or injury which is not due to any fault or misconduct on the part of the person injured but for which legal relief may be sought. Black’s Law Dictionary suggests

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That is no longer the case. On Nov. 30, 2023, the Illinois Supreme Court, in Acuity v. M/I Homes of Chicago, No. 129087 ruled that unintentional damage arising from faulty or defective work could trigger the insuring agreement of the CGL policy in question if such physical injury “altered in appearance, shape, color or in other material dimension” ANY tangible property. This does not necessarily mean that the property damage arising from such faulty or defective workmanship is covered by the policy. What the Court has recognized is the very broad insuring agreement of most CGL policies, but also that such potentially broad coverage can then be whittled down by exclusions. According to the Court: “To hold that all construction defects that result in property damage to the completed project are always excluded would mean that the exclusions in the policy related to business risk become meaningless.” Many such erroneous decisions have been cited by other courts based on the CGL policy not being a performance bond, something not explicitly addressed in the language of these policy forms. Citing other appellate-level Illinois cases, the Court acknowledged that “[M]uch of our analysis in those cases has been driven less by literal textual construction and more by considering the overall purpose of CGL policies.” In other words, the Court noted that lower court decisions that required property damage to property beyond the scope of the work performed was not “directly tied to the language of the insurance policy” and that these decisions were based on broad policy considerations as to the “purpose” of CGL policies rather than on the actual language of the insurance contract. The Court is, in effect, repeating my mantra of, “RTFP!” To determine coverage under an insurance contract, you MUST read the actual policy language. I first made these arguments many years ago in an article entitled “The ‘No Occurrence’ CGL Claim Denial” (you can access the article from my blog in a post entitled “Insuring Faulty Workmanship.”) It has never made any sense to me that INSURANCEJOURNAL.COM

unintentional, inadvertent, negligent property damage is not an accident and, thus, not an occurrence.

Many jurisdictions around the country have found that faulty or defective workmanship cannot trigger coverage under a CGL policy … We’ve all heard stories of contractors, especially following disasters, intentionally performing shoddy workmanship. Such property damage should never trigger the CGL insuring agreement. However, most viable contracting businesses do not engage in this practice and inadvertent damage should trigger the extremely broad CGL insuring agreement. Again, this doesn’t necessarily mean that the damage is covered. We have to then look to the exclusions section of the policy to determine if there is coverage.

For many such claims, the ISO CGL policy either excludes property damage arising from faulty workmanship during ongoing operations (Exclusion j.(6)) or property damage to “your work” arising after operations are completed (Exclusion l.). In the latter, and more commonly litigated claim, there is an exception for work performed by a subcontractor, though ISO has at least two endorsements that can remove this exception. Congratulations to the Illinois Supreme Court for using logic and actual form language to establish the correct way to determine whether property damage arising from faulty or defective workmanship is covered by a CGL policy. Wilson, CPCU, ARM, AIM, AAM is the founder and CEO of InsuranceCommentary.com and the author of seven books, including “When Words Collide…Resolving Insurance Coverage and Claims Disputes.” He can be reached at Bill@InsuranceCommentary.com.

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JANUARY 22, 2024 INSURANCE JOURNAL | 29

elcome to Insurance Journal’s 2024 Specialty Markets Directory, Winter Edition. This exclusive biannual market directory has been designed to assist independent agents and brokers in the task of placing difficult or unusual risks. For ease-of-use, the directory utilizes a convenient “color-coded legend” to highlight the availability of markets by IJ’s five geographic regions — East, Midwest, Southeast, South Central and West. The corresponding states for each region are listed below. Inside the directory and underneath each market listing, five distinct colors represent IJ’s five regions. Those colors (Dark Blue ■ East, Light Blue ■ Midwest, Green ■ Southeast, Orange ■ South Central, and Red ■ West) indicate whether or not the market is available in your area of the country. The “color-coded legend” has been placed at the top of every directory page for easy reference. All market listings have been updated with the most current

information available provided directly by intermediaries and carriers. As always, the directory lists the markets categorically by broad coverage groups. Italicized company names represent companies offering binding authority. To find complete contact information for all companies listed in this directory, see page 50. IJ’s 2024 Specialty Markets Directory, Winter Edition can also be found on our Web site at: www.insurancejournal.com/directories. To submit a listing, visit the online directory, or e-mail Kristine Honey at: khoney@ insurancejournal.com. We hope you find this directory to be a valuable resource when trying to insure hard-to-place accounts. Feel free to send us comments and suggestions, or for additional help using this directory, e-mail: editorial@insurancejournal.com.

East

Midwest

Southeast

South Central

West

Connecticut Delaware Maine Maryland Massachusetts New Hampshire New Jersey New York Pennsylvania Rhode Island Vermont Virginia Washington DC

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

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

Arkansas Louisiana Oklahoma Texas

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

30 | INSURANCE JOURNAL January 22, 2024

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Legend: East ■ Midwest ■ Midwest ■ Texas/South Legend: ■■East ■ Southeast ■■Southeast Texas/South Central ■ West ■Central Not Available

Abuse/Molestation Legal Expense Abuse/Molestation Legal Expense

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

All Solutions PBS LLC

Irwin Siegel Agency McLeckie Insurance Group Negley Associates

RPS Healthcare

Sports & Fitness Insurance Corporation (SFIC) Synergy Professional Associates Inc.

■ West

Collectibles: Dolls, Toys, Figurines

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Monarch E&S Insurance Services

Ascinsure Specialty Risk

Gorst & Compass Insurance Monarch E&S Insurance Services

Musical Instrument Floaters ■ ■ ■■■

Medical & Health Ins. for Businesses

■ ■ ■■■ ■ ■ ■■■

Sports & Wellness Insurance

American Collectors Insurance Inc.

Fine Arts Floaters (High Value)

Accident & Sickness/AD&D Excess Disability ■ ■ ■■■

■ Not Available

Monarch E&S Insurance Services

Auto - Commercial Ambulances

National Indemnity Company Pacific Gateway Insurance Agency

(Italicized companies offer binding authority.) (Italicized companies offer binding authority.)

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

McLeckie Insurance Group MexiPass International Insurance Services LLC National Indemnity Company NBIS Norman-Spencer Agency LLC Novatae Risk Group Pacific Gateway Insurance Agency

Risk Strategies, Transportation Group RPS Sports & Wellness Insurance

U.S. Risk LLC Western Surplus Lines Agency Inc. World Wide Specialty, a Div of Philadelphia Ins. Co’s

Commercial Auto Liability (only) Agency Underwriters

Comp Solutions Network Inc. True Transport Insure

Auto Parts Stores

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Occupational Accident Insurance

Auto Repair Shops

Commercial Auto Physical Damage (only)

■ ■ ■■■ ■ ■ ■■■

RMC Group Sports & Fitness Insurance Corporation (SFIC)

Occupational Accident (Primary XS Indemnity) ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Comp Solutions Network Inc. True Transport Insure

Auto Body & Paint Shops ■ ■ ■■■ ■ ■ ■■■

Arrowhead General Insurance Agency Inc. Arrowhead General Insurance Agency Inc.

Amwins - 150+ Locations Worldwide

Professional Athletes (AD&D)

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Special Risks Accident

Auto Repossessors Liability

Student Accident

Auto Transporters

Professional Athlete Disability ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Exceptional Risk Advisors LLC Lefebvre Insurance LLC

Amwins - 150+ Locations Worldwide

Lefebvre Insurance LLC Sports & Fitness Insurance Corporation (SFIC)

Surplus Occ. Accident w/ Employers Legal ■ ■ ■■■

Comp Solutions Network Inc.

Youth Sports Programs

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Lefebvre Insurance LLC Sports & Fitness Insurance Corporation (SFIC)

Sports & Wellness Insurance www.insurancehelper.com

Agri-Business Equipment Dealers

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Philadelphia Insurance Companies River Valley Underwriters Inc.

Feed Mills

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Philadelphia Insurance Companies RT Specialty Virtue Risk Partners LLC

Philadelphia Insurance Companies Virtue Risk Partners LLC

Philadelphia Insurance Companies

Grain Elevators ■ ■ ■■■

Philadelphia Insurance Companies

Grain Operators ■ ■ ■■■

Philadelphia Insurance Companies

Greenhouses ■ ■ ■■■

Agricultural Insurance Mgmt Services

Product Contamination/Recall

■ ■ ■■■ ■ ■ ■■■

Cooper & McCloskey Inc.

Virtue Risk Partners LLC

Product Distributors ■ ■ ■■■

Legacy Employer Concepts LLC

Arts & Antiques Art Gallery/Museum/Art Show

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Gateway Specialty Insurance

Monarch E&S Insurance Services

Nonprofits Insurance Alliance www.insurancehelper.com

Coin & Stamp Dealers ■ ■ ■■■

Monarch E&S Insurance Services

www.insurancejournal.com

McLeckie Insurance Group

Smart Choice Express Markets Prime Insurance Company

■ ■ ■■■ ■ ■ ■■■

Pacific Gateway Insurance Agency

Coastal Brokers Insurance Services Inc. USASIA Insurance Services Erickson-Larsen Inc.

5Star Specialty Programs KF&B Program Managers Insurance Services National Indemnity Company Pacific Gateway Insurance Agency

Prime Insurance Company Smart Choice Express Markets

National Indemnity Company

Risk Strategies, Transportation Group River Valley Underwriters Inc.

■ ■ ■■■

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Commercial Sector Insurance Brokers LLC Bristol West Insurance Group

Gorst & Compass Insurance

JM Wilson National Indemnity Company NBIS Pacific Gateway Insurance Agency

UFG Specialty

Courtesy Shuttles

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Bristol West Insurance Group

Gorst & Compass Insurance

Pacific Gateway Insurance Agency

Prime Insurance Company

Driving Schools ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Erickson-Larsen Inc. Gorst & Compass Insurance Pacific Gateway Insurance Agency

Dump Trucks

5Star Specialty Programs Brecht & Associates

Commercial Sector Insurance Brokers LLC JM Wilson MAXIMUM McLeckie Insurance Group National Indemnity Company NBIS Pacific Gateway Insurance Agency

Risk Strategies, Transportation Group River Valley Underwriters Inc. Western Surplus Lines Agency Inc. Agency Underwriters IAT Insurance Group Pacific Gateway Insurance Agency

Risk Strategies, Transportation Group

Sun Coast General Insurance Agency

Commercial Auto Liability & Physical Damage

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Jencap - Locations Nationwide

Contractors Vehicles, Trucks

Commercial Auto Liab. (Misc./Special Purpose)

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

DeCotis Specialty Insurance International Transportation & Marine Agency Inc.

Pacific Gateway Insurance Agency USG Insurance Services Inc.

Buses, Including Chartered Vehicles

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Commercial Sector Insurance Brokers LLC

Brecht & Associates

Gorst & Compass Insurance

Bob Tail or Dead Heading Liability (Truckers) ■ ■ ■■■

Agency Underwriters American Management Corporation Brecht & Associates Canon Insurance Service

Contingent Cargo

Automatic Car Wash Services

Cargo

Fruit Packaging/Processing ■ ■ ■■■

■ ■ ■■■

Virtue Risk Partners LLC

Philadelphia Insurance Companies

Gorst & Compass Insurance

M.J. Hall & Company Insurance Brokers

Auto/Truck Rental Agencies

Agricultural Insurance Mgmt Services

Virtue Risk Partners LLC

Fertilizer Distributors

■ ■ ■■■ ■ ■ ■■■

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Farm Stores

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

■ ■ ■■■

DeCotis Specialty Insurance

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

KF&B Program Managers Insurance Services National Indemnity Company

Prime Insurance Company Risk Strategies, Transportation Group RT Specialty

5Star Specialty Programs Agency Underwriters American Management Corporation

Ascendant Insurance Solutions

Bass Underwriters Brecht & Associates Bristol West Insurance Group Builders & Tradesmen’s Ins. Services Inc. (BTIS)

Continental Underwriters Inc. Cosmetic Insurance Services, a division of EPIC Brokers Erickson-Larsen Inc.

FTP Inc. Jencap - Locations Nationwide

Jencap Specialty Insurance Services - Buffalo

JM Wilson

KF&B Program Managers Insurance Services

M.J. Hall & Company Insurance Brokers MAXIMUM

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Gorst & Compass Insurance

National Indemnity Company Norman-Spencer Agency LLC Pacific Gateway Insurance Agency Sun Coast General Insurance Agency

Food Delivery Vehicles

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Bristol West Insurance Group

Gorst & Compass Insurance

IPC Pacific Gateway Insurance Agency

Risk Strategies, Transportation Group UFG Specialty

Garage Liability

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Coastal Brokers Insurance Services Inc. Erickson-Larsen Inc. Jencap - Locations Nationwide

Johnson & Johnson Kinsale Insurance Company M.J. Hall & Company Insurance Brokers National Indemnity Company

RPS

U.S. Risk LLC

USASIA Insurance Services

Garbage Trucks ■ ■ ■■■

UFG Specialty

Gasoline/Diesel Fuel Haulers ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Erickson-Larsen Inc. National Indemnity Company Pacific Gateway Insurance Agency

Hired and Non-Owned Auto Liability - Monoline

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Bristol West Insurance Group IPC

James River Insurance Company

Sports & Wellness Insurance UFG Specialty

January 22, 2024 INSURANCE JOURNAL | 31

2024 Specialty Markets Directory, Winter Edition

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Exceptional Risk Advisors LLC

Arrowhead General Insurance Agency Inc.

Jencap - Locations Nationwide

Legend: Legend:

East ■■ East

Midwest ■■ Midwest

Southeast ■■ Southeast

Texas/South Central Central ■■ Texas/South

Limousines ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

5Star Specialty Programs Gorst & Compass Insurance KF&B Program Managers Insurance Services National Indemnity Company Pacific Gateway Insurance Agency

Prime Insurance Company

Mobilehome Transporters ■ ■ ■■■

Pacific Gateway Insurance Agency

Motorhome/RV Dealers ■ ■ ■■■

McLeckie Insurance Group

Non Emergency Medical Transportation (NEMT)

■ ■ ■■■ ■ ■ ■■■

RPS Healthcare UFG Specialty

Non-Trucking Liability ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Agency Underwriters International Transportation & Marine Agency Inc.

JM Wilson

True Transport Insure

UFG Specialty

Public Auto

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

5Star Specialty Programs

Gorst & Compass Insurance

KF&B Program Managers Insurance Services National Indemnity Company Pacific Gateway Insurance Agency

2024 Specialty Markets Directory, Winter Edition

Public Transportation

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

5Star Specialty Programs

CRC Insurance Services

KF&B Program Managers Insurance Services National Indemnity Company Pacific Gateway Insurance Agency

Sand & Gravel Haulers

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Erickson-Larsen Inc.

Gorst & Compass Insurance Johnson & Johnson Sun Coast General Insurance Agency

School Buses ■ ■ ■■■ ■ ■ ■■■

Taxi Cabs ■ ■ ■■■ ■ ■ ■■■

Pacific Gateway Insurance Agency

Prime Insurance Company

National Indemnity Company

Smart Choice Express Markets

Tire Dealers ■ ■ ■■■ ■ ■ ■■■

Arrowhead General Insurance Agency Inc.

Gorst & Compass Insurance

Tow Trucks

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Arrowhead General Insurance Agency Inc. Gorst & Compass Insurance National Indemnity Company

New England Excess Exchange

Pacific Gateway Insurance Agency

Prime Insurance Company RPS Smart Choice Express Markets

Sun Coast General Insurance Agency

Truckers General Liability

5Star Specialty Programs Agency Underwriters

Ascendant Insurance Solutions CRC Insurance Services DeCotis Specialty Insurance Executive Insurance Professionals, PLLC Gorst & Compass Insurance

Ascendant Insurance Solutions Brecht & Associates Erickson-Larsen Inc.

Gorst & Compass Insurance

Jencap - Locations Nationwide

JM Wilson National Indemnity Company NBIS Pacific Gateway Insurance Agency

5Star Specialty Programs

Amwins - 150+ Locations Worldwide Brecht & Associates Erickson-Larsen Inc.

Gorst & Compass Insurance JM Wilson

M.J. Hall & Company Insurance Brokers National Indemnity Company NBIS Pacific Gateway Insurance Agency

Risk Strategies, Transportation Group

Foremost Insurance Group

Markel Personal Lines Prime Insurance Company

American Collectors Insurance Inc. Foremost Insurance Group

5Star Specialty Programs Brecht & Associates

Jencap - Locations Nationwide JM Wilson

Johnson & Johnson

National Indemnity Company NBIS

New England Excess Exchange

Norman-Spencer Agency LLC Pacific Gateway Insurance Agency Western Surplus Lines Agency Inc. 5Star Specialty Programs Agency Underwriters

Amwins - 150+ Locations Worldwide

32 | INSURANCE JOURNAL January 22, 2024

Hangar Keepers Liability ■ ■ ■■■

LIG Marine Managers

■ ■ ■■■ ■ ■ ■■■

LIG Marine Managers RPS

Bonds Bankers Blanket Bond High Limits

■ ■ ■■■ ■ ■ ■■■

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

Bankers Special Bond

■ ■ ■■■ ■ ■ ■■■

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

Commercial Crime Bond ■ ■ ■■■

U.S. Risk LLC

Contractor License Bonds ■ ■ ■■■ ■ ■ ■■■

Builders & Tradesmen’s Ins. Services Inc. (BTIS) Wilkoff Bonds

Customs Bonds ■ ■ ■■■

Cosmetic Insurance Services, a division of EPIC Brokers

Employee Benefit Plans Liability ■ ■ ■■■

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

Excess Fidelity Bonds

High Performance & Sports Cars

Financial Guarantee Bonds

■ ■ ■■■ ■ ■ ■■■

American Collectors Insurance Inc. American Collectors Insurance Inc.

Kit/Replicas/Custom Cars - Physical Damage ■ ■ ■■■

American Collectors Insurance Inc.

Mobilehome - Liability & Physical Damage ■ ■ ■■■

Foremost Insurance Group

Motorcycle - Liability & Physical Damage

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

American Collectors Insurance Inc. Foremost Insurance Group

Markel Personal Lines

Motorcycles & Motor Scooters ■ ■ ■■■

Foremost Insurance Group

Motorhome - Liability & Physical Damage ■ ■ ■■■ ■ ■ ■■■

Foremost Insurance Group MexiPass International Insurance Services LLC

Motorhomes/RVs ■ ■ ■■■ ■ ■ ■■■

Foremost Insurance Group

Prime Insurance Company

Nonstandard Personal Auto Liability & Phys Dmg ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Arrowhead General Insurance Agency Inc. Bristol West Insurance Group Sun Coast General Insurance Agency

Nonstandard Personal Auto Liability (only) ■ ■ ■■■

Bristol West Insurance Group

RV - Liability & Physical Damage ■ ■ ■■■

Foremost Insurance Group

Travel Trailers & Campers

Southwest Risk

MacAfee & Edwards - Mexican Ins. Specialist

Antique & Custom Motorcycles/Scooters

NBIS

New England Excess Exchange

Aspera Insurance

Kinsale Insurance Company

Hot Air Balloons

RT Specialty

Antique & Classic Auto

■ ■ ■■■ ■ ■ ■■■

Amwins - 150+ Locations Worldwide

Southwest Risk UFG Specialty

Auto - Personal All Terrain Vehicles

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Helicopters

Trucks--Short Haul

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Aviation (General)

Prime Insurance Company

Snowmobiles

JM Wilson

Trucks--Long Haul ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

(Italicized companies companies offer offer binding binding authority.) authority.) (Italicized

Not Available Available ■■ Not

International Transportation & Marine Agency Inc. Jencap - Locations Nationwide

Trucks--Intermediate Haul

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

West ■■ West

■ ■ ■■■

■ ■ ■■■ ■ ■ ■■■

Aviation Air Cargo ■ ■ ■■■

Foremost Insurance Group

RPS

International Transportation & Marine Agency Inc.

Boston Insurance Brokerage LLC LIG Marine Managers RT Specialty

Airplanes--Business/Corporate ■ ■ ■■■

LIG Marine Managers

Airport Owners/Operators Liability

■ ■ ■■■

■ ■ ■■■ ■ ■ ■■■

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

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

Financial Institution Bond ■ ■ ■■■

U.S. Risk LLC

Performance & Payment Bonds

■ ■ ■■■ ■ ■ ■■■

MexiPass International Insurance Services LLC Wilkoff Bonds

Surety Bonds - Contractors ■ ■ ■■■ ■ ■ ■■■

JM Wilson

Wilkoff Bonds

Surety Bonds - Misc. and Special Risks

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Builders & Tradesmen’s Ins. Services Inc. (BTIS) JM Wilson

Meridian Finance Group

Sports & Fitness Insurance Corporation (SFIC)

Surety Bonds - Prof. Liability ■ ■ ■■■ ■ ■ ■■■

U.S. E&O Brokers, a Division of U.S. Risk LLC

Wilkoff Bonds

Surety License Bonds

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Brownyard Group

Cosmetic Insurance Services, a division of EPIC Brokers River Valley Underwriters Inc. U.S. E&O Brokers, a Division of U.S. Risk LLC Wilkoff Bonds

Third Party Fidelity Coverage ■ ■ ■■■ ■ ■ ■■■

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

Business Risks Active Shooter

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Amalgamated Insurance Underwriters Jimcor Agencies Prime Insurance Company Professional Governmental Underwriters

Business Interruption

Aircraft Products Liability

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

■ ■ ■■■

LIG Marine Managers

■ ■ ■■■

RMC Group

Business Owners Policy

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Arrowhead General Insurance Agency Inc.

Ascendant Insurance Solutions Builders & Tradesmen’s Ins. Services Inc. (BTIS) Executive Insurance Professionals, PLLC

J.E. Brown & Associates

Sports & Fitness Insurance Corporation (SFIC)

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

Brownyard Group The Mechanic Group, A Div of Specialty Programs Group World Wide Specialty, a Div of Philadelphia Ins. Co’s

www.insurancejournal.com

Legend:

■ East

■ Midwest

■ Southeast

■ Texas/South Central

Contingent Liability ■ ■ ■■■

M&A Insurance Solutions LLC

Corporate Fiduciary Liability

■ ■ ■■■ ■ ■ ■■■

Cyber Risk

Synergy Professional Associates Inc. Wilkoff Bonds Bass Underwriters

Brooks Insurance Agency

Concorde General Agency

Donald Gaddis Co. Inc. Insurance Services Erickson-Larsen Inc. FTP Inc. Irwin Siegel Agency Jimcor Agencies

Kevin Davis Insurance Services Negley Associates ProWriters

Quadrant Insurance Managers RPS RPS Technology & Cyber

Specialty Wholesale Ins. Solution (SWIS), a Div of SPG Sports & Fitness Insurance Corporation (SFIC)

U.S. E&O Brokers, a Division of U.S. Risk LLC

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

Employee Benefit Plans Liability

■ ■ ■■■ ■ ■ ■■■

Wilkoff Bonds

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

Employers Liability

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Continental Underwriters Inc. CRC Insurance Services

Sports & Fitness Insurance Corporation (SFIC) World Wide Specialty, a Div of Philadelphia Ins. Co’s

■ West

Transactional Risk

■ ■ ■■■ ■ ■ ■■■

M&A Insurance Solutions LLC Unitas Financial Services

Warranty Protection Coverage ■ ■ ■■■

M&A Insurance Solutions LLC

Contractors & Related Alarm Contractors

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

AMIS/Alliance Marketing & Insurance Services LLC Arrowhead General Insurance Agency Inc. Ashley General Agency Brownyard Group Costanza Insurance Agency Inc.

Executive Insurance Professionals, PLLC Jencap - Locations Nationwide

Nationwide RPS

The Mechanic Group, A Div of Specialty Programs Group

Architects & Engineers

Amwins - 150+ Locations Worldwide Boston Insurance Brokerage LLC Global Special Risks

Jencap - Locations Nationwide JM Wilson Johnson & Johnson Legacy Employer Concepts LLC Quaker Special Risk, a Jencap Company (Florida) Quaker Special Risk, a Jencap Company (Mass.) RPS RT Specialty Specialty Wholesale Ins. Solution (SWIS), a Div of SPG Target Professional Programs

Artisan Contractor Program

Food Borne Illness Identity Theft

Artisan Contractors

■ ■ ■■■ ■ ■ ■■■

JC Wilson Consulting Inc. RPS

Fiduciary Liability ■ ■ ■ ■ ■ U.S. Risk LLC ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Wilkoff Bonds U.S. Risk LLC

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

In-Home Businesses

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Charity First Insurance Services Inc. Executive Insurance Professionals, PLLC www.insurancehelper.com

IT Consultants Errors & Omissions

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

All Solutions PBS LLC Executive Insurance Professionals, PLLC Gateway Specialty Insurance RPS Technology & Cyber

Kidnap, Ransom & Extortion

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

ARC West Coast Excess & Surplus Brokerage LLC Exceptional Risk Advisors LLC

MexiPass International Insurance Services LLC Novatae Risk Group Quirk & Company

Legal Expense ■ ■ ■■■

M&A Insurance Solutions LLC

Limited Partnership Liability/Partnership

■ ■ ■■■ ■ ■ ■■■

Boston Insurance Brokerage LLC M&A Insurance Solutions LLC

Mergers & Acquisitions ■ ■ ■■■

M&A Insurance Solutions LLC

Reps and Warranties

■ ■ ■■■ ■ ■ ■■■

M&A Insurance Solutions LLC Unitas Financial Services

Sexual Abuse Liability

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Care Providers Insurance Services Irwin Siegel Agency

Nonprofits Insurance Alliance Quadrant Insurance Managers RPS Healthcare Sports & Wellness Insurance

Synergy Professional Associates Inc. World Wide Specialty, a Div of Philadelphia Ins. Co’s

Specific Litigation ■ ■ ■■■

M&A Insurance Solutions LLC

Tax Insurance ■ ■ ■■■

M&A Insurance Solutions LLC

www.insurancejournal.com

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Coastal Brokers Insurance Services Inc. Concorde General Agency Hinterland Insurance IAT Insurance Group

M.J. Hall & Company Insurance Brokers Nationwide

REInsurePro

Shield Commercial Insurance Services

Southwest Risk

American Management Corporation

Asbestos Abatement Contractors

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

American Risk Management Resources Network Beacon Hill Associates Freberg Environmental Inc.

James River Insurance Company

Jencap - Locations Nationwide Jencap Specialty Insurance Services (Environmental) Norman-Spencer Agency LLC

PartnerOne Environmental Philadelphia Insurance Companies Virtue Risk Partners LLC

Builders Risk

AF Group Agency Underwriters American Management Corporation

Amwins - 150+ Locations Worldwide Ascendant Insurance Solutions Bass Underwriters

Berkley Fire & Marine Boston Insurance Brokerage LLC

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

Commercial Sector Insurance Brokers LLC CRC Insurance Services DeCotis Specialty Insurance Distinguished Programs

Element22 Insurance Services Executive Insurance Professionals, PLLC Jencap - Locations Nationwide Jimcor Agencies

Johnson & Johnson MAXIMUM Nationwide

NeitClem Wholesale Insurance Brokerage Inc.

New England Excess Exchange

Novatae Risk Group PERse Quaker Special Risk, a Jencap Co. (New Jersey) REInsurePro River Valley Underwriters Inc. RMC Group

RPS RT Specialty Specialty Wholesale Ins. Solution (SWIS), a Div of SPG TAPCO Underwriters Inc. US Assure

XPT Specialty

Amwins - 150+ Locations Worldwide

Builders Risk Installation Floater

Ascendant Insurance Solutions

Building Materials Dealers

Anderson & Murison Inc. Arrowhead General Insurance Agency Inc. Ashley General Agency

Aspera Insurance

Atlas General Insurance Services, An RPS Company Bass Underwriters Braishfield Associates, a div of Hull & Company LLC Brecht & Associates Builders & Tradesmen’s Ins. Services Inc. (BTIS)

CID Insurance Programs Inc. Coastal Brokers Insurance Services Inc.

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Berkley Fire & Marine

Continental Underwriters Inc. IPC

Cable Line Installers ■ ■ ■■■ ■ ■ ■■■

Jencap - Locations Nationwide

UFG Specialty

COC Program

MexiPass International Insurance Services LLC Monarch E&S Insurance Services

Donald Gaddis Co. Inc. Insurance Services Executive Insurance Professionals, PLLC FTP Inc. Gorst & Compass Insurance

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Hull & Company IPC

Concrete Mix-In-Transit

Great American Risk Solutions

J.E. Brown & Associates James River Insurance Company

Jencap - Locations Nationwide

Jencap Specialty Insurance Services - Buffalo JM Wilson

Johnson & Johnson Joseph Krar & Associates Inc. Legacy Employer Concepts LLC

Monarch E&S Insurance Services National Indemnity Company

Nationwide

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

NeitClem Wholesale Insurance Brokerage Inc. Southwest Risk US Assure USASIA Insurance Services

National Indemnity Company Norman-Spencer Agency LLC Pacific Gateway Insurance Agency

UFG Specialty

Concrete Pumpers ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

NBIS Norman-Spencer Agency LLC Shield Commercial Insurance Services

Construction Liability

Agency Underwriters Builders & Tradesmen’s Ins. Services Inc. (BTIS) Hinterland Insurance Jencap - Locations Nationwide

RT Specialty

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Specialty Wholesale Ins. Solution (SWIS), a Div of SPG Sun Coast General Insurance Agency

Construction Managers

Nautilus Insurance Co. & Great Divide Ins. Co. NeitClem Wholesale Insurance Brokerage Inc.

New England Excess Exchange

Norman-Spencer Agency LLC Pacific Excess Insurance Marketing

Philadelphia Insurance Companies

Prime Insurance Company

Quaker Special Risk, a Jencap Company (New Jersey) Quirk & Company REInsurePro River Valley Underwriters Inc. Roush Insurance Services Inc.

Shield Commercial Insurance Services Virtue Risk Partners LLC Western Surplus Lines Agency Inc. XPT Specialty

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Johnson & Johnson

Kinsale Insurance Company

NeitClem Wholesale Insurance Brokerage Inc. PartnerOne Environmental REInsurePro

RT Specialty

Shield Commercial Insurance Services

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

UFG Specialty

Philadelphia Insurance Companies Quaker Special Risk, a Jencap Company (Florida) Quaker Special Risk, a Jencap Company (Mass.)

Quaker Special Risk, a Jencap Co. (New Jersey)

January 22, 2024 INSURANCE JOURNAL | 33

2024 Specialty Markets Directory, Winter Edition

AF Group

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Extended, Product Warranty & Service Contracts

(Italicized companies offer binding authority.)

■ Not Available

Legend: Legend:

■■ East East

■■ Midwest Midwest

■■ Southeast Southeast

■■ Texas/South Texas/South Central Central

Construction Wrap-Ups

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Amwins - 150+ Locations Worldwide Beacon Hill Associates

Jencap - Locations Nationwide Specialty Wholesale Ins. Solution (SWIS), a Div of SPG UFG Specialty Wrap Up Insurance Solutions

Contractors Design & Build Liability

■ ■ ■■■ ■ ■ ■■■

Admiral Insurance Group Eaton Professional Insurance Services

Contractors Equipment

Admiral Insurance Group Ascendant Insurance Solutions

Ascinsure Specialty Risk Brecht & Associates

First Choice Ins Intermediaries Nationwide

NBIS Norman-Spencer Agency LLC

Philadelphia Insurance Companies Quirk & Company River Valley Underwriters Inc.

RPS

US Assure Western Surplus Lines Agency Inc.

Contractors Paper

2024 Specialty Markets Directory, Winter Edition

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Donald Gaddis Co. Inc. Insurance Services Erickson-Larsen Inc.

Legacy Employer Concepts LLC Quaker Special Risk, a Jencap Company (Florida) Quaker Special Risk, a Jencap Company (Mass.)

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

Contractors Pollution Liability

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Ashley General Agency

Beacon Hill Associates

Boston Insurance Brokerage LLC Erickson-Larsen Inc. Freberg Environmental Inc.

James River Insurance Company

Jencap - Locations Nationwide Jencap Specialty Insurance Services (Environmental)

Johnson & Johnson

Kinsale Insurance Company

Orion Commercial Insurance Services Inc. Philadelphia Insurance Companies RT Specialty

Specialty Wholesale Ins. Solution (SWIS), a Div of SPG USG Insurance Services Inc. Virtue Risk Partners LLC Western Surplus Lines Agency Inc.

Crane & Rigging Contractors ■ ■ ■ ■ ■ Ascinsure Specialty Risk

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Erickson-Larsen Inc.

Legacy Employer Concepts LLC NBIS

Custom Home Builders

Builders & Tradesmen’s Ins. Services Inc. (BTIS) James River Insurance Company Monarch E&S Insurance Services

NeitClem Wholesale Insurance Brokerage Inc. Quaker Special Risk, a Jencap Company (Florida) Quaker Special Risk, a Jencap Company (Mass.)

Quaker Special Risk, a Jencap Co. (New Jersey) REInsurePro River Valley Underwriters Inc. Shield Commercial Insurance Services

Southwest Risk

TAPCO Underwriters Inc. US Assure XPT Specialty

Demolition Contractors Liability

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

James River Insurance Company

Jencap - Locations Nationwide Jencap Specialty Insurance Services (Environmental)

Jimcor Agencies Nationwide

Norman-Spencer Agency LLC

Philadelphia Insurance Companies

Electricians

Arrowhead General Insurance Agency Inc.

Builders & Tradesmen’s Ins. Services Inc. (BTIS) Great American Risk Solutions IPC Jencap - Locations Nationwide

Legacy Employer Concepts LLC PartnerOne Environmental Philadelphia Insurance Companies

REInsurePro Shield Commercial Insurance Services

Smart Choice Express Markets UFG Specialty

34 | INSURANCE JOURNAL January 22, 2024

■■ West West

Environmental Contractors

Access E&S Insurance Services Amwins - 150+ Locations Worldwide Beacon Hill Associates

Boston Insurance Brokerage LLC Commercial Sector Insurance Brokers LLC Global Special Risks

James River Insurance Company

Jencap - Locations Nationwide Jencap Specialty Insurance Services (Environmental) Joseph Krar & Associates Inc. Norman-Spencer Agency LLC

PartnerOne Environmental Philadelphia Insurance Companies Quadrant Insurance Managers Roush Insurance Services Inc. RT Specialty Specialty Wholesale Ins. Solution (SWIS), a Div of SPG Virtue Risk Partners LLC

Fire Sprinkler Contractors

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

AMIS/Alliance Marketing & Insurance Services LLC Amwins - 150+ Locations Worldwide Boston Insurance Brokerage LLC Great American Risk Solutions Jencap - Locations Nationwide Jencap Specialty Insurance Services (Environmental) Philadelphia Insurance Companies Quaker Special Risk, a Jencap Company (Florida) Quaker Special Risk, a Jencap Company (Mass.) RelMark Program Managers

Southwest Risk

Fire/Water Restoration

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

American Risk Management Resources Network

James River Insurance Company

Jencap - Locations Nationwide Jencap Specialty Insurance Services (Environmental)

Legacy Employer Concepts LLC PartnerOne Environmental Philadelphia Insurance Companies

Fireworks Display Contractors Risk

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

James River Insurance Company Prime Insurance Company

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Great American Risk Solutions

Framers

Professional Program Ins. Brokerage, a Div of SPG IPC

Legacy Employer Concepts LLC

Shield Commercial Insurance Services

General Contractors - Commercial

(Italicized (Italicized companies companies offer offer binding binding authority.) authority.)

■■ Not Not Available Available

Admiral Insurance Group

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

UFG Specialty

US Assure USG Insurance Services Inc. XPT Specialty

General Contractors - Residential

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Hospitality

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Janitorial

AF Group Ashley General Agency Aspera Insurance Atlas General Insurance Services, An RPS Company Builders & Tradesmen’s Ins. Seearthrvices Inc. (BTIS) CRC Insurance Services Gorst & Compass Insurance

James River Insurance Company

Jencap - Locations Nationwide Jimcor Agencies

M.J. Hall & Company Insurance Brokers NeitClem Wholesale Insurance Brokerage Inc. Norman-Spencer Agency LLC

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

Quaker Special Risk, a Jencap Co. (New Jersey) Quirk & Company REInsurePro River Valley Underwriters Inc. Shield Commercial Insurance Services

Southwest Risk Specialty Wholesale Ins. Solution (SWIS), a Div of SPG TAPCO Underwriters Inc. US Assure USG Insurance Services Inc. XPT Specialty IAT Insurance Group

James River Insurance Company Legacy Employer Concepts LLC Specialty Wholesale Ins. Solution (SWIS), a Div of SPG TAPCO Underwriters Inc.

Braishfield Associates, a div of Hull & Company LLC Builders & Tradesmen’s Ins. Services Inc. (BTIS) Gorst & Compass Insurance IPC Monarch E&S Insurance Services

New England Excess Exchange Prime Insurance Company Quaker Special Risk, a Jencap Company (Florida) Quaker Special Risk, a Jencap Company (Mass.) Shield Commercial Insurance Services TAPCO Underwriters Inc. USASIA Insurance Services

AF Group Agency Underwriters

Land Surveyors

Anderson & Murison Inc. Ashley General Agency Aspera Insurance Atlas General Insurance Services, An RPS Company Bass Underwriters Beacon Hill Associates

Landscape Architects

Amwins - 150+ Locations Worldwide

Boston Insurance Brokerage LLC

Brecht & Associates Builders & Tradesmen’s Ins. Services Inc. (BTIS) CRC Insurance Services Erickson-Larsen Inc.

Executive Insurance Professionals, PLLC Gorst & Compass Insurance

James River Insurance Company Jencap - Locations Nationwide Jimcor Agencies JM Wilson

Legacy Employer Concepts LLC M.J. Hall & Company Insurance Brokers MAXIMUM Monarch E&S Insurance Services Nationwide

Nautilus Insurance Co. & Great Divide Ins. Co. NeitClem Wholesale Insurance Brokerage Inc. Norman-Spencer Agency LLC

PartnerOne Environmental Philadelphia Insurance Companies Quadrant Insurance Managers

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

Quaker Special Risk, a Jencap Co. (New Jersey) Quirk & Company REInsurePro River Valley Underwriters Inc. RMC Group Roush Insurance Services Inc.

RPS

Shield Commercial Insurance Services

Smart Choice Express Markets Southwest Risk Specialty Wholesale Ins. Solution (SWIS), a Div of SPG TAPCO Underwriters Inc.

U.S. Risk LLC

■ ■ ■■■ ■ ■ ■■■

Global Special Risks

Izzo Insurance Services, A Div of Hull & Company LLC

Landscaping

Arrowhead General Insurance Agency Inc. Atlas General Insurance Services, An RPS Company Braishfield Associates, a div of Hull & Company LLC

Builders & Tradesmen’s Ins. Services Inc. (BTIS) Gorst & Compass Insurance IAT Insurance Group IPC

Izzo Insurance Services, A Div of Hull & Company LLC Legacy Employer Concepts LLC Nationwide New England Excess Exchange

Philadelphia Insurance Companies

Prime Insurance Company

REInsurePro Shield Commercial Insurance Services

Smart Choice Express Markets USASIA Insurance Services Virtue Risk Partners LLC

Lead Abatement Contractors

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Beacon Hill Associates Freberg Environmental Inc.

James River Insurance Company

Jencap - Locations Nationwide Jencap Specialty Insurance Services (Environmental)

PartnerOne Environmental Philadelphia Insurance Companies

Marine Contractors

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Bass Underwriters Global Special Risks

JM Wilson

JSM Brokerage Insurance and Risk Management Kinsale Insurance Company Legacy Employer Concepts LLC

Outside Contractors All ■ ■ ■■■

Shield Commercial Insurance Services

www.insurancejournal.com

Legend:

■ East

Plumbers

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

■ Midwest

■ Southeast

■ Texas/South Central

IPC REInsurePro

Smart Choice Express Markets UFG Specialty

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

NBIS REInsurePro TAPCO Underwriters Inc.

Remodeling Contractors

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Roofers

Brecht & Associates

DeCotis Specialty Insurance

Great American Risk Solutions Hinterland Insurance IAT Insurance Group IPC

Coastal Insurance Underwriters Inc. Distinguished Programs

Johnson & Johnson

Kevin Davis Insurance Services

Pacific Excess Insurance Marketing Specialty Wholesale Ins. Solution (SWIS), a Div of SPG The McGowan Companies

D&O (General)

Amwins - 150+ Locations Worldwide

Brecht & Associates

Great American Risk Solutions James River Insurance Company Jimcor Agencies

Legacy Employer Concepts LLC NeitClem Wholesale Insurance Brokerage Inc. New England Excess Exchange Norman-Spencer Agency LLC

Norman-Spencer International Inc. PartnerOne Environmental

Philadelphia Insurance Companies

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

Quaker Special Risk, a Jencap Co. (New Jersey)

Shield Commercial Insurance Services

Smart Choice Express Markets Southwest Risk Specialty Wholesale Ins. Solution (SWIS), a Div of SPG USG Insurance Services Inc.

Irwin Siegel Agency

James River Insurance Company Jencap - Locations Nationwide M.J. Hall & Company Insurance Brokers

Nautilus Insurance Co. & Great Divide Ins. Co. Shield Commercial Insurance Services Beacon Hill Associates Jencap - Locations Nationwide Jencap Specialty Insurance Services (Environmental)

PartnerOne Environmental Philadelphia Insurance Companies Norman-Spencer Agency LLC

Western Surplus Lines Agency Inc.

Directors & Officers Liability Associations

Berkley Select | a Berkley Company Charity First Insurance Services Inc.

Coastal Insurance Underwriters Inc. Distinguished Programs

Gateway Specialty Insurance Irwin Siegel Agency

Kevin Davis Insurance Services

Nonprofits Insurance Alliance Professional Insurance Concepts

Boards of Education ■ ■ ■■■

Coastal Brokers Insurance Services Inc.

Concorde General Agency

AF Group

X.C.U. (Contractors) Liability

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Atlas General Insurance Services, An RPS Company Bass Underwriters

Anderson & Murison Inc. Ashley General Agency Bass Underwriters

Admiral Insurance Group

Utility Industry ■ ■ ■■■

All Solutions PBS LLC

Roush Insurance Services Inc. Shield Commercial Insurance Services US Assure

Toxic Mold Liability

■ ■ ■■■

Condominiums

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

NeitClem Wholesale Insurance Brokerage Inc.

Nautilus Insurance Co. & Great Divide Ins. Co.

Swimming Pool Contractors

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Indemnity Excess & Surplus Agency Inc.

Irwin Siegel Agency

Country Clubs

Social Service ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Berkley Select | a Berkley Company Charity First Insurance Services Inc. Gateway Specialty Insurance

James River Insurance Company Legacy Employer Concepts LLC Nationwide

Scaffolding Risks ■ ■ ■ ■ ■ Ascinsure Specialty Risk ■ ■ ■■■

Chambers of Commerce

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Allsouth Professional Liability

www.insurancejournal.com

■ ■ ■■■

Crime

Coastal Insurance Underwriters Inc.

AMIS/Alliance Marketing & Insurance Services LLC Brooks Insurance Agency Coastal Insurance Underwriters Inc.

Cosmetic Insurance Services, a division of EPIC Brokers Distinguished Programs

eKo Specialty Insurance Services Inc. Embroker

Hudson Insurance Group / Hudson Pro (TM) Kevin Davis Insurance Services

Professional Insurance Concepts RPS Technology & Cyber

Wilkoff Bonds

5Star Specialty Programs

Access E&S Insurance Services Agentic Insurance LLC All Solutions PBS LLC Allsouth Professional Liability AMIS/Alliance Marketing & Insurance Services LLC Amwins - 150+ Locations Worldwide Anderson & Murison Inc.

ARC West Coast Excess & Surplus Brokerage LLC Aspera Insurance Berkley Select | a Berkley Company Boston Insurance Brokerage LLC Brooks Insurance Agency Charity First Insurance Services Inc. Coastal Insurance Underwriters Inc.

Cooper & McCloskey Inc. Cosmetic Insurance Services, a division of EPIC Brokers CRC Insurance Services Donald Gaddis Co. Inc. Insurance Services Eaton Professional Insurance Services eKo Specialty Insurance Services Inc. Embroker Erickson-Larsen Inc.

First Choice Ins Intermediaries Founders Professional Hudson Insurance Group / Hudson Pro (TM) Hull & Company Indemnity Excess & Surplus Agency Inc.

Irwin Siegel Agency Jencap - Locations Nationwide Jencap Specialty Insurance Services - Buffalo Jimcor Agencies JM Wilson Johnson & Johnson Joseph Krar & Associates Inc. MAXIMUM NeitClem Wholesale Insurance Brokerage Inc. Professional Insurance Concepts ProWriters Quadrant Insurance Managers Quirk & Company

Risk Strategies, Transportation Group River Valley Underwriters Inc. Roush Insurance Services Inc. RPS Technology & Cyber RT Specialty

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

U.S. E&O Brokers, a Division of U.S. Risk LLC

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

Employer`s Professional Liability

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

(Italicized companies offer binding authority.)

■ Not Available

5Star Specialty Programs

AMIS/Alliance Marketing & Insurance Services LLC Brooks Insurance Agency Charity First Insurance Services Inc. Coastal Insurance Underwriters Inc.

CRC Insurance Services Founders Professional Hudson Insurance Group / Hudson Pro (TM) Jencap - Locations Nationwide Professional Insurance Concepts

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

ProWriters Risk Strategies, Transportation Group RMC Group RPS Technology & Cyber

RT Specialty U.S. E&O Brokers, a Division of U.S. Risk LLC

ESOP Companies ■ ■ ■■■

Professional Insurance Concepts

Fiduciary Liability

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

5Star Specialty Programs

Brooks Insurance Agency Cosmetic Insurance Services, a division of EPIC Brokers eKo Specialty Insurance Services Inc. Hudson Insurance Group / Hudson Pro (TM) Jencap - Locations Nationwide Jencap Specialty Insurance Services - Buffalo Professional Insurance Concepts Quadrant Insurance Managers Wilkoff Bonds

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

Financial Institutions

5Star Specialty Programs

ARC West Coast Excess & Surplus Brokerage LLC Brooks Insurance Agency Cooper & McCloskey Inc. Hudson Insurance Group / Hudson Pro (TM) Jencap - Locations Nationwide Jencap Specialty Insurance Services - Buffalo M&A Insurance Solutions LLC Professional Insurance Concepts ProWriters RT Specialty Specialty Wholesale Ins. Solution (SWIS), a Div of SPG

Homeowners Associations

Ashley General Agency

Atlas General Insurance Services, An RPS Company Bass Underwriters

Charity First Insurance Services Inc.

Coastal Insurance Underwriters Inc. Distinguished Programs

Eaton Professional Insurance Services Executive Insurance Professionals, PLLC Gateway Specialty Insurance

Indemnity Excess & Surplus Agency Inc. Kevin Davis Insurance Services

Professional Insurance Concepts

Kidnap/Ransom

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Cooper & McCloskey Inc. eKo Specialty Insurance Services Inc. Exceptional Risk Advisors LLC

Professional Insurance Concepts

Nonprofit Organizations

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

All Solutions PBS LLC Allsouth Professional Liability AMIS/Alliance Marketing & Insurance Services LLC Ashley General Agency Berkley Select | a Berkley Company Brooks Insurance Agency Charity First Insurance Services Inc. Cooper & McCloskey Inc. Donald Gaddis Co. Inc. Insurance Services eKo Specialty Insurance Services Inc. Gateway Specialty Insurance Hudson Insurance Group / Hudson Pro (TM) Indemnity Excess & Surplus Agency Inc.

Irwin Siegel Agency

Jencap - Locations Nationwide Jencap Specialty Insurance Services - Buffalo Monarch E&S Insurance Services Negley Associates

New England Excess Exchange Nonprofits Insurance Alliance Professional Insurance Concepts Quadrant Insurance Managers RT Specialty

Private Company

Access E&S Insurance Services Agentic Insurance LLC All Solutions PBS LLC ARC West Coast Excess & Surplus Brokerage LLC Berkley Select | a Berkley Company Cooper & McCloskey Inc. Cosmetic Insurance Services, a division of EPIC Brokers eKo Specialty Insurance Services Inc. Embroker

Jencap - Locations Nationwide Professional Insurance Concepts Quadrant Insurance Managers U.S. E&O Brokers, a Division of U.S. Risk LLC

January 22, 2024 INSURANCE JOURNAL | 35

2024 Specialty Markets Directory, Winter Edition

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Atlas General Insurance Services, An RPS Company Bass Underwriters

■ West

Legend:

■ East

■ Midwest

■ Southeast

■ Texas/South Central

Public Officials

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

All Solutions PBS LLC Allsouth Professional Liability Apex

ARC West Coast Excess & Surplus Brokerage LLC Jencap - Locations Nationwide Professional Governmental Underwriters

Union Officials ■ ■ ■■■

Agentic Insurance LLC

Film & TV Producers Indemnity (Cast) ■ ■ ■■■ ■ ■ ■■■

Exceptional Risk Advisors LLC U.S. Risk LLC

Live Theatrical Risks ■ ■ ■■■

www.insurancehelper.com

Non-Appearance ■ ■ ■■■

Exceptional Risk Advisors LLC

Terrorism/Active Assailant

■ ■ ■■■ ■ ■ ■■■

Youth Sport Leagues

Touring Entertainers

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Cooper & McCloskey Inc.

American Specialty Insurance & Risk Services Inc. Charity First Insurance Services Inc. Sports & Fitness Insurance Corporation (SFIC)

Earthquake & Related Earthquake--Commercial

Amwins - 150+ Locations Worldwide Canon Insurance Service

Element22 Insurance Services Hinterland Insurance

James River Insurance Company

Johnson & Johnson

Monarch E&S Insurance Services

Orion Commercial Insurance Services Inc. Pacific Excess Insurance Marketing Poulton Associates RT Specialty TAPCO Underwriters Inc.

XPT Specialty

Earthquake--Residential

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Amwins - 150+ Locations Worldwide

Arrowhead General Insurance Agency Inc. Canon Insurance Service

Johnson & Johnson

Monarch E&S Insurance Services

Orion Commercial Insurance Services Inc. Poulton Associates REInsurePro RT Specialty TAPCO Underwriters Inc.

Earthquake/DIC

Access One80 Anderson & Murison Inc. Arrowhead General Insurance Agency Inc. Atlas General Insurance Services, An RPS Company

Cosmetic Insurance Services, a division of EPIC Brokers CRC Insurance Services Gorst & Compass Insurance Hinterland Insurance

NeitClem Wholesale Insurance Brokerage Inc. Orion Commercial Insurance Services Inc.

Concerts

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

MAXIMUM Orion Commercial Insurance Services Inc. Poulton Associates

BUA LLC Exceptional Risk Advisors LLC

American Specialty Insurance & Risk Services Inc. BUA LLC Exceptional Risk Advisors LLC James Klein Insurance

Prime Insurance Company

www.insurancehelper.com

American Specialty Insurance & Risk Services Inc. Amwins - 150+ Locations Worldwide

Aspera Insurance

Kinsale Insurance Company www.insurancehelper.com www.insurancehelper.com

Event Weather Insurance ■ ■ ■■■ ■ ■ ■■■

BUA LLC

Environmental Agricultural Dealers ■ ■ ■■■

Philadelphia Insurance Companies

Alternative Energy Plants

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

PERse

Philadelphia Insurance Companies RT Specialty

Battery Storage Projects ■ ■ ■■■

PERse

Disposal Sites Non-Owned

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

American Risk Management Resources Network Beacon Hill Associates

eKo Specialty Insurance Services Inc. PartnerOne Environmental Philadelphia Insurance Companies

Environmental Impairment Liability

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Access E&S Insurance Services

BUA LLC

Gateway Specialty Insurance

36 | INSURANCE JOURNAL January 22, 2024

Amwins - 150+ Locations Worldwide Beacon Hill Associates

eKo Specialty Insurance Services Inc.

Freberg Environmental Inc. Pacific Gateway Insurance Agency Target Managers Insurance Services

Hazardous Waste Storage & Disposal Facilities

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Beacon Hill Associates

eKo Specialty Insurance Services Inc. Freberg Environmental Inc.

James River Insurance Company Philadelphia Insurance Companies Target Managers Insurance Services Virtue Risk Partners LLC

Hospitals & Healthcare

■ ■ ■■■ ■ ■ ■■■

Coastal Brokers Insurance Services Inc. eKo Specialty Insurance Services Inc.

Hydro Energy Projects ■ ■ ■■■

PERse

Landfills (Sanitary)

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Beacon Hill Associates Freberg Environmental Inc.

Jencap - Locations Nationwide Jencap Specialty Insurance Services (Environmental) Philadelphia Insurance Companies

Lenders Environmental Cost

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Beacon Hill Associates

eKo Specialty Insurance Services Inc. Freberg Environmental Inc.

Mining Operations

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Commercial Sector Insurance Brokers LLC James River Insurance Company Novatae Risk Group

Beacon Hill Associates Coastal Insurance Underwriters Inc. Freberg Environmental Inc. Global Special Risks

Pollution (General)

eKo Specialty Insurance Services Inc.

■ ■ ■■■

Philadelphia Insurance Companies American Risk Management Resources Network Beacon Hill Associates

American Risk Management Resources Network

Aspera Insurance

Pollution Above Ground

James River Insurance Company Jencap - Locations Nationwide Jencap Specialty Insurance Services (Environmental) Jencap Specialty Insurance Services - Buffalo Orion Commercial Insurance Services Inc. PartnerOne Environmental Philadelphia Insurance Companies Target Managers Insurance Services Virtue Risk Partners LLC

Environmental Risks

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Hazardous Waste Hauling

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Non-Hazardous Waste Hauling

Access E&S Insurance Services AF Group Agentic Insurance LLC

Geothermal Energy Projects

Hinterland Insurance

Event Planners/Producers ■ ■ ■■■

Exceptional Risk Advisors LLC

MexiPass International Insurance Services LLC U.S. Risk LLC

Element22 Insurance Services

Entertainment (General)

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

■ ■ ■■■

Exceptional Risk Advisors LLC

Exceptional Risk Advisors LLC James Klein Insurance

U.S. Risk LLC

Entertainment/Live Performance Cancellation ■ ■ ■■■ ■ ■ ■■■

Weather

Amalgamated Insurance Underwriters

Poulton Associates

Stand Alone Earthquake

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

■ ■ ■■■

(Italicized companies offer binding authority.)

■ Not Available

Venture Capitalists ■ ■ ■■■

2024 Specialty Markets Directory, Winter Edition

■ West

Ashley General Agency

Beacon Hill Associates

CRC Insurance Services DeCotis Specialty Insurance

Freberg Environmental Inc. Global Special Risks

James Klein Insurance

James River Insurance Company

Jencap - Locations Nationwide Jencap Specialty Insurance Services (Environmental) JM Wilson Monarch E&S Insurance Services

NeitClem Wholesale Insurance Brokerage Inc. Orion Commercial Insurance Services Inc. PartnerOne Environmental Philadelphia Insurance Companies Quaker Special Risk, a Jencap Company (Florida) Quaker Special Risk, a Jencap Company (Mass.) River Valley Underwriters Inc. Roush Insurance Services Inc. Specialty Wholesale Ins. Solution (SWIS), a Div of SPG Target Managers Insurance Services USASIA Insurance Services USG Insurance Services Inc. Virtue Risk Partners LLC

XPT Specialty

Global Special Risks

James River Insurance Company PERse

Philadelphia Insurance Companies Virtue Risk Partners LLC

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Boston Insurance Brokerage LLC Donald Gaddis Co. Inc. Insurance Services eKo Specialty Insurance Services Inc. Indemnity Excess & Surplus Agency Inc. James River Insurance Company

Jencap - Locations Nationwide Jencap Specialty Insurance Services (Environmental)

Kinsale Insurance Company NeitClem Wholesale Insurance Brokerage Inc. Orion Commercial Insurance Services Inc. PartnerOne Environmental

Philadelphia Insurance Companies

Quadrant Insurance Managers RT Specialty Virtue Risk Partners LLC Beacon Hill Associates

eKo Specialty Insurance Services Inc.

Freberg Environmental Inc. Jencap - Locations Nationwide Jencap Specialty Insurance Services (Environmental)

Philadelphia Insurance Companies

Pollution Clean Up Indemnity

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Beacon Hill Associates Freberg Environmental Inc. Jencap - Locations Nationwide Jencap Specialty Insurance Services (Environmental)

Philadelphia Insurance Companies Virtue Risk Partners LLC

Pollution Liability

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Access E&S Insurance Services

American Risk Management Resources Network

Amwins - 150+ Locations Worldwide Apex

Aspera Insurance

Beacon Hill Associates

Commercial Sector Insurance Brokers LLC Erickson-Larsen Inc. James Klein Insurance James River Insurance Company

Jencap - Locations Nationwide Jencap Specialty Insurance Services (Environmental)

Johnson & Johnson

Kinsale Insurance Company

M&A Insurance Solutions LLC MAXIMUM Orion Commercial Insurance Services Inc. PartnerOne Environmental Philadelphia Insurance Companies Virtue Risk Partners LLC

www.insurancejournal.com

Legend:

■ East

■ Midwest

■ Southeast

■ Texas/South Central

Real Estate Owner Asbestos Abatement ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Beacon Hill Associates Freberg Environmental Inc. Jencap - Locations Nationwide Jencap Specialty Insurance Services (Environmental)

PartnerOne Environmental

Solar Energy Products and Installers

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Berkley Fire & Marine James River Insurance Company

Jencap - Locations Nationwide Jencap Specialty Insurance Services (Environmental)

Kinsale Insurance Company PERse

Philadelphia Insurance Companies RT Specialty

Shield Commercial Insurance Services

Underground Fuel Tank Pollution Liability ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Apex Freberg Environmental Inc. Jencap - Locations Nationwide Jencap Specialty Insurance Services (Environmental)

Philadelphia Insurance Companies

Underground Storage Tanks

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

eKo Specialty Insurance Services Inc. First Choice Ins Intermediaries

Freberg Environmental Inc. Jencap - Locations Nationwide Jencap Specialty Insurance Services (Environmental)

Jencap Specialty Insurance Services - Buffalo PartnerOne Environmental Philadelphia Insurance Companies USG Insurance Services Inc. Virtue Risk Partners LLC

■ ■ ■■■ ■ ■ ■■■

Berkley Fire & Marine PERse

Equipment/Machinery/Tools Agricultural Equipment ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Agricultural Insurance Mgmt Services Global Special Risks Gridiron Insurance Underwriters Inc.

Boiler & Machinery (High Value Objects)

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Agricultural Insurance Mgmt Services

Boston Insurance Brokerage LLC

Coastal Insurance Underwriters Inc. PERse

Computer Equipment ■ ■ ■■■

Gridiron Insurance Underwriters Inc.

Equipment Dealers

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Firearms

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Admiral Insurance Group

Ascinsure Specialty Risk

Ashley General Agency UFG Specialty Aspera Insurance

Joseph Chiarello & Co ; Firearms Business Insurance

Kinsale Insurance Company Prime Insurance Company

Food Processors ■ ■ ■■■

UFG Specialty

Forestry Equipment

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Arrowhead General Insurance Agency Inc.

Ascinsure Specialty Risk Continental Underwriters Inc.

Logging Operations

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Ascinsure Specialty Risk Continental Underwriters Inc. New England Excess Exchange UFG Specialty

Medical Equipment Dealer

■ ■ ■■■ ■ ■ ■■■

James River Insurance Company LifeScienceRisk

Excess Coverage Employers Excess Indemnity ■ ■ ■■■

Comp Solutions Network Inc.

Excess Auto Liability Commercial

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Jencap - Locations Nationwide Jimcor Agencies KF&B Program Managers Insurance Services M.J. Hall & Company Insurance Brokers NBIS

Excess Auto Liability Personal ■ ■ ■■■

Sun Coast General Insurance Agency

www.insurancejournal.com

Excess E&O

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Agentic Insurance LLC All Solutions PBS LLC Coastal Brokers Insurance Services Inc. Embroker

James River Insurance Company Professional Underwriters Agency (PUA) Quadrant Insurance Managers Synergy Professional Associates Inc. U.S. E&O Brokers, a Division of U.S. Risk LLC

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

Excess Flood

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

All Solutions PBS LLC

Braishfield Associates, a div of Hull & Company LLC Coastal Insurance Underwriters Inc.

Element22 Insurance Services Flood Risk Solutions Inc. Flow Insurance Services

James River Insurance Company Johnson & Johnson

Monarch E&S Insurance Services

Orion Commercial Insurance Services Inc. Poulton Associates

Excess Liability Commercial

AF Group

Agency Underwriters

AMIS/Alliance Marketing & Insurance Services LLC Anderson & Murison Inc.

Aspera Insurance

Boston Insurance Brokerage LLC

Brownyard Group Builders & Tradesmen’s Ins. Services Inc. (BTIS)

Canon Insurance Service

DeCotis Specialty Insurance Distinguished Programs

Erickson-Larsen Inc.

Euclid Life Science Specialty LLC Global Special Risks Gorst & Compass Insurance

Great American Risk Solutions

Gridiron Insurance Underwriters Inc. Hinterland Insurance

Integrated Specialty Coverages (ISC)

James Klein Insurance

James River Insurance Company

Jamison Risk Services Jencap - Locations Nationwide

JM Wilson

Kevin Davis Insurance Services

Kinsale Insurance Company

M.J. Hall & Company Insurance Brokers Nationwide NBIS Norman-Spencer Agency LLC

Orion Commercial Insurance Services Inc. Pacific Excess Insurance Marketing

Philadelphia Insurance Companies Quadrant Insurance Managers RelMark Program Managers

River Valley Underwriters Inc. Roush Insurance Services Inc. RPS Technology & Cyber RT Specialty Shield Commercial Insurance Services

Sports & Wellness Insurance TAPCO Underwriters Inc. The McGowan Companies

UFG Specialty

Virtue Risk Partners LLC World Wide Specialty, a Div of Philadelphia Ins. Co’s

XPT Specialty

Excess Liability Personal

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Agency Underwriters Indemnity Excess & Surplus Agency Inc. RT Specialty

Excess Malpractice ■ ■ ■■■

Jamison Risk Services

Excess Malpractice & Professional Liability

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Jamison Risk Services Negley Associates

Synergy Professional Associates Inc.

Excess Maritime Employers Liability ■ ■ ■■■

LIG Marine Managers

Excess Professional Liability

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

(Italicized companies offer binding authority.)

■ Not Available

Balance Partners - Maven

Berkley Select | a Berkley Company Euclid Life Science Specialty LLC James River Insurance Company Jamison Risk Services

Kinsale Insurance Company

Number One Insurance Agency Professional Insurance Concepts Professional Underwriters Agency (PUA)

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Quadrant Insurance Managers Specialty Wholesale Ins. Solution (SWIS), a Div of SPG Synergy Professional Associates Inc.

U.S. E&O Brokers, a Division of U.S. Risk LLC

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

Excess Property Commercial

■ ■ ■■■ ■ ■ ■■■

James River Insurance Company UFG Specialty

Self-Insured Excess Coverage

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Apex

Gray Specialty

Great American Risk Solutions Jencap - Locations Nationwide Jencap Specialty Insurance Services - Buffalo Midwest Employers Casualty

Self-Insured Risks ■ ■ ■■■ ■ ■ ■■■

Gray Specialty

Great American Risk Solutions

Umbrella Liability Commercial

Access E&S Insurance Services Admiral Insurance Group

American Management Corporation

AMIS/Alliance Marketing & Insurance Services LLC Ashley General Agency

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

CID Insurance Programs Inc.

Coastal Insurance Underwriters Inc.

Continental Underwriters Inc. Cosmetic Insurance Services, a division of EPIC Brokers Distinguished Programs

Executive Insurance Professionals, PLLC Great American Risk Solutions Hull & Company

Indemnity Excess & Surplus Agency Inc. Integrated Specialty Coverages (ISC)

Irwin Siegel Agency

James Klein Insurance

Jencap - Locations Nationwide

Jencap Specialty Insurance Services - Buffalo JM Wilson

Joseph Krar & Associates Inc.

LIG Marine Managers Monarch E&S Insurance Services NBIS Novatae Risk Group

Number One Insurance Agency Orion Commercial Insurance Services Inc. Prime Insurance Company RPS Technology & Cyber

Southwest Risk

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

Sports & Wellness Insurance

The McGowan Companies USG Insurance Services Inc. World Wide Specialty, a Div of Philadelphia Ins. Co’s

Umbrella Liability Personal

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Anderson & Murison Inc. Braishfield Associates, a div of Hull & Company LLC DeCotis Specialty Insurance Hull & Company

Jencap Specialty Insurance Services - Buffalo Monarch E&S Insurance Services

Number One Insurance Agency Prime Insurance Company RT Specialty

Workers’ Comp

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Comp Solutions Network Inc. Gray Specialty

Legacy Employer Concepts LLC

LIG Marine Managers Shield Commercial Insurance Services

Farm & Animal Commercial Risks Dairies ■ ■ ■■■

Agricultural Insurance Mgmt Services

Equestrian & Equine-Related Business

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Agricultural Insurance Mgmt Services Concorde General Agency Equine Insurance Specialists LLC James Klein Insurance

RT Specialty Smart Choice Express Markets

Horse Breeders/Boarders ■ ■ ■■■ ■ ■ ■■■

Agricultural Insurance Mgmt Services Equine Insurance Specialists LLC

Horse Farms ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Agricultural Insurance Mgmt Services Concorde General Agency Equine Insurance Specialists LLC

Smart Choice Express Markets

January 22, 2024 INSURANCE JOURNAL | 37

2024 Specialty Markets Directory, Winter Edition

Wind Energy Projects

■ West

Legend:

■ East

■ Midwest

■ Southeast

■ Texas/South Central

Horse Mortality Surgical & Medical ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Agricultural Insurance Mgmt Services Equine Insurance Specialists LLC James Klein Insurance

Livestock Comm. Feedlot Reporting Farm ■ ■ ■■■

Concorde General Agency

Livestock--Care, Custody or Control ■ ■ ■■■ ■ ■ ■■■

Agricultural Insurance Mgmt Services

Smart Choice Express Markets

Racehorses ■ ■ ■■■ ■ ■ ■■■

Agricultural Insurance Mgmt Services

Equine Insurance Specialists LLC

Rodeos & Horse Shows

■ ■ ■■■ ■ ■ ■■■

Equine Insurance Specialists LLC

McGowan Allied Specialty Insurance

Saddle Animal Liability

■ ■ ■■■ ■ ■ ■■■

Equine Insurance Specialists LLC

McGowan Allied Specialty Insurance

Farm & Ranch Owners Cannabis / Marijuana Growers

2024 Specialty Markets Directory, Winter Edition

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

DeCotis Specialty Insurance J.E. Brown & Associates Jencap - Locations Nationwide Jimcor Agencies

Legacy Employer Concepts LLC M.J. Hall & Company Insurance Brokers New England Excess Exchange

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

Smart Choice Express Markets

Commercial Agribusiness ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Agricultural Insurance Mgmt Services American Management Corporation

Legacy Employer Concepts LLC

Farm & Ranch Owners Equipment ■ ■ ■■■

Agricultural Insurance Mgmt Services

Farm & Ranch Owners Liability (only) ■ ■ ■■■

Joseph Krar & Associates Inc.

FRO Package

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

James Klein Insurance

River Valley Underwriters Inc.

RPS Smart Choice Express Markets

Product Contamination/Recall ■ ■ ■■■

Cooper & McCloskey Inc.

Financial Institution Services Collateral Protection Insurance

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

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

M&A Insurance Solutions LLC Meridian Finance Group Unitas Financial Services

Diversified Financial Products

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Boston Insurance Brokerage LLC M&A Insurance Solutions LLC Meridian Finance Group

Financial Institutions

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Agentic Insurance LLC J.B. Lloyd & Associates, A Member Company of US Risk Jencap - Locations Nationwide M&A Insurance Solutions LLC Meridian Finance Group RT Specialty

U.S. Risk LLC

Unitas Financial Services

Forced Placed & Foreclosure Property ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Flood--Commercial

Mexican Tourist Auto

■ ■ ■■■ ■ ■ ■■■

Poulton Associates reThought Flood Access One80

Amwins - 150+ Locations Worldwide Anderson & Murison Inc. Aon Edge

Ascendant Insurance Solutions

Foreign

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Boston Insurance Brokerage LLC Donald Gaddis Co. Inc. Insurance Services J.B. Lloyd & Assoc, A Member Company of US Risk Unitas Financial Services

M&A Insurance Solutions LLC Unitas Financial Services

MacAfee & Edwards - Mexican Ins. Specialist MexiPass International Insurance Services LLC

Mexpro.com / NFP

Political Risk

Meridian Finance Group MexiPass International Insurance Services LLC

Coastal Insurance Underwriters Inc.

Travel Medical Evacuation

Boston Insurance Brokerage LLC

Cosmetic Insurance Services, a division of EPIC Brokers DeCotis Specialty Insurance Element22 Insurance Services Flood Risk Solutions Inc. Flow Insurance Services FTP Inc. Gridiron Insurance Underwriters Inc. Hinterland Insurance

Jencap - Locations Nationwide Jimcor Agencies

Johnson & Johnson MAXIMUM Number One Insurance Agency Orion Commercial Insurance Services Inc. Pacific Excess Insurance Marketing Poulton Associates REInsurePro reThought Flood Access One80

Amwins - 150+ Locations Worldwide Anderson & Murison Inc. Aon Edge

Ascendant Insurance Solutions BUA LLC Flood Risk Solutions Inc.

Flow Insurance Services

Foremost Insurance Group FTP Inc. Gridiron Insurance Underwriters Inc. Hinterland Insurance Jimcor Agencies

Johnson & Johnson New England Excess Exchange Number One Insurance Agency Poulton Associates reThought Flood RT Specialty

Smart Choice Express Markets

Foreign Coverages Exporters Package

■ ■ ■■■ ■ ■ ■■■

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

MacAfee & Edwards - Mexican Ins. Specialist MexiPass International Insurance Services LLC Mexpro.com / NFP

■ ■ ■■■ ■ ■ ■■■

Flood--Personal

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Bass Underwriters

Meridian Finance Group MexiPass International Insurance Services LLC Cosmetic Insurance Services, a division of EPIC Brokers Euclid Life Science Specialty LLC MacAfee & Edwards - Mexican Ins. Specialist

Meridian Finance Group

MexiPass International Insurance Services LLC Mexpro.com / NFP

■ ■ ■■■

Mexpro.com / NFP

Garage Auto Dealers

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Access One80 American Management Corporation

Amwins - 150+ Locations Worldwide CID Insurance Programs Inc. Executive Insurance Professionals, PLLC Gorst & Compass Insurance Hull & Company River Valley Underwriters Inc.

Sun Coast General Insurance Agency

Auto Service and Repair

Access One80 Anderson & Murison Inc. Arrowhead General Insurance Agency Inc. Braishfield Associates, a div of Hull & Company LLC

CID Insurance Programs Inc.

Erickson-Larsen Inc. Gorst & Compass Insurance IPC Joseph Krar & Associates Inc.

Kinsale Insurance Company Philadelphia Insurance Companies River Valley Underwriters Inc. Roush Insurance Services Inc.

Smart Choice Express Markets Southwest Risk USG Insurance Services Inc. XPT Specialty

Garage Keepers Auto Services

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Access One80 Arrowhead General Insurance Agency Inc. Atlas General Insurance Services, An RPS Company

Coastal Brokers Insurance Services Inc. IPC

Jencap - Locations Nationwide Johnson & Johnson

Garage Keepers Legal Liability/Dealers Open Lot

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Brecht & Associates

Coastal Brokers Insurance Services Inc.

International Transportation & Marine Agency Inc.

Jencap - Locations Nationwide Jencap Specialty Insurance Services - Buffalo McLeckie Insurance Group USG Insurance Services Inc. Western Surplus Lines Agency Inc.

Garage Liability

AF Group American Management Corporation

Kidnap and Ransom

Mexican Commercial Lines

Garage Liability (Substandard)

International

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

International Citizens Insurance

MacAfee & Edwards - Mexican Ins. Specialist

Meridian Finance Group

MexiPass International Insurance Services LLC Mexpro.com / NFP RT Specialty

USASIA Insurance Services

International Kidnap Insurance

MexiPass International Insurance Services LLC

International Medical, Disability, Life

Private Equity

■ ■ ■■■ ■ ■ ■■■

Mexican Personal Lines

Unitas Financial Services

Lenders Simple Interest/VSI/BSI ■ ■ ■■■ ■ ■ ■■■

Flood & Related Flood Districts

■ ■ ■■■ ■ ■ ■■■

REInsurePro

(Italicized companies offer binding authority.)

■ Not Available

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

Investment Advisors

■ ■ ■■■ ■ ■ ■■■

■ West

■ ■ ■■■

Novatae Risk Group

International Citizens Insurance

International Visitors & Travelers Medical

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

■ ■ ■■■ ■ ■ ■■■

International Citizens Insurance Mexpro.com / NFP

MexiPass International Insurance Services LLC MacAfee & Edwards - Mexican Ins. Specialist MexiPass International Insurance Services LLC

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Amwins - 150+ Locations Worldwide Ascendant Insurance Solutions Ashley General Agency

Aspera Insurance

Bass Underwriters

CID Insurance Programs Inc. Coastal Brokers Insurance Services Inc. Concorde General Agency

CRC Insurance Services Gorst & Compass Insurance Hull & Company

Jencap - Locations Nationwide JM Wilson

Johnson & Johnson

Kinsale Insurance Company

New England Excess Exchange

Pacific Gateway Insurance Agency Quirk & Company

Smart Choice Express Markets

USASIA Insurance Services Western Surplus Lines Agency Inc. Access One80

Coastal Brokers Insurance Services Inc. Jencap - Locations Nationwide

Garage Liability Hazard II ■ ■ ■■■ ■ ■ ■■■

38 | INSURANCE JOURNAL January 22, 2024

Brecht & Associates

Coastal Brokers Insurance Services Inc.

www.insurancejournal.com

Legend:

■ East

■ Midwest

■ Southeast

■ Texas/South Central

General Liability ■ ■ ■■■ ■ ■ ■■■

IPC

Jencap - Locations Nationwide

On-Hook Coverage ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Erickson-Larsen Inc. International Transportation & Marine Agency Inc. McLeckie Insurance Group National Indemnity Company NBIS

Service Operations ■ ■ ■■■

IPC

Used Car Dealers

Access One80 American Management Corporation

Amwins - 150+ Locations Worldwide Ascendant Insurance Solutions

Atlas General Insurance Services, An RPS Company Brecht & Associates Erickson-Larsen Inc.

Gorst & Compass Insurance

JM Wilson Joseph Krar & Associates Inc. McLeckie Insurance Group National Indemnity Company

Sun Coast General Insurance Agency USG Insurance Services Inc.

Hospitality Banquet Halls ■ ■ ■■■ ■ ■ ■■■

Jencap - Locations Nationwide www.insurancehelper.com

Bars/Night Clubs

American Management Corporation

Aspera Insurance

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

Charity First Insurance Services Inc. Coastal Brokers Insurance Services Inc. CRC Insurance Services Erickson-Larsen Inc.

Executive Insurance Professionals, PLLC Flood Risk Solutions Inc.

Gorst & Compass Insurance

Integrated Specialty Coverages (ISC)

James River Insurance Company

Jencap - Locations Nationwide

Jencap Specialty Insurance Services - Buffalo Jimcor Agencies JM Wilson

MAXIMUM

Pacific Excess Insurance Marketing

Prime Insurance Company

RT Specialty Specialty Insurance TAPCO Underwriters Inc.

U.S. Risk LLC

USASIA Insurance Services USG Insurance Services Inc. XPT Specialty

Bed & Breakfasts

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Berkley Select | a Berkley Company Coastal Brokers Insurance Services Inc. Erickson-Larsen Inc.

Johnson & Johnson

The McGowan Companies

Breweries/Micro ■ ■ ■■■

Casinos

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Caterers

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Brecht & Associates

American Specialty Insurance & Risk Services Inc. MAXIMUM The McGowan Companies

Executive Insurance Professionals, PLLC

Jencap - Locations Nationwide Nautilus Insurance Co. & Great Divide Ins. Co. Specialty Insurance TAPCO Underwriters Inc. www.insurancehelper.com

Dinner Theaters ■ ■ ■■■

Jencap - Locations Nationwide

Gentlemens Clubs

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Ashley General Agency Erickson-Larsen Inc.

James River Insurance Company Jencap - Locations Nationwide MAXIMUM NeitClem Wholesale Insurance Brokerage Inc. Prime Insurance Company USG Insurance Services Inc.

www.insurancejournal.com

Hotels/Motels Packages

Access One80

Amalgamated Insurance Underwriters

Resorts

■ ■ ■■■ ■ ■ ■■■

Spas

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Atlas General Insurance Services, An RPS Company

Builders Risk

Berkley Select | a Berkley Company Brecht & Associates

Covenant Underwriters CRC Insurance Services DeCotis Specialty Insurance Element22 Insurance Services Erickson-Larsen Inc.

Executive Insurance Professionals, PLLC Flood Risk Solutions Inc. Gorst & Compass Insurance Hinterland Insurance

Jencap - Locations Nationwide

NeitClem Wholesale Insurance Brokerage Inc. Pacific Excess Insurance Marketing

RT Specialty

TAPCO Underwriters Inc.

Wilkoff Bonds

American Specialty Insurance & Risk Services Inc. Element22 Insurance Services AF Group American Management Corporation

Amwins - 150+ Locations Worldwide

Anderson & Murison Inc. Arrowhead General Insurance Agency Inc.

Ascendant Insurance Solutions Aspera Insurance Bass Underwriters

Berkley Select | a Berkley Company

Braishfield Associates, a div of Hull & Company LLC

Brecht & Associates

Builders & Tradesmen’s Ins. Services Inc. (BTIS) Charity First Insurance Services Inc. CID Insurance Programs Inc. DeCotis Specialty Insurance Element22 Insurance Services Erickson-Larsen Inc.

Flood Risk Solutions Inc.

Hinterland Insurance IAT Insurance Group Integrated Specialty Coverages (ISC) IPC Jencap - Locations Nationwide JM Wilson

Johnson & Johnson Legacy Employer Concepts LLC M.J. Hall & Company Insurance Brokers MAXIMUM

McLeckie Insurance Group Nautilus Insurance Co. & Great Divide Ins. Co.

New England Excess Exchange

Norman-Spencer Agency LLC Pacific Excess Insurance Marketing River Valley Underwriters Inc.

Southwest Risk

Specialty Insurance

Specialty Wholesale Ins. Solution (SWIS), a Div of SPG TAPCO Underwriters Inc. The McGowan Companies

UFG Specialty

USASIA Insurance Services Western Surplus Lines Agency Inc.

XPT Specialty

Braishfield Associates, a div of Hull & Company LLC Jencap - Locations Nationwide Professional Program Ins. Brokerage, a Div of SPG TAPCO Underwriters Inc.

Special Events

Ascinsure Specialty Risk Gridiron Insurance Underwriters Inc. International Transportation & Marine Agency Inc. NBIS

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Restaurants

Inland Marine Bailee

American Management Corporation

American Specialty Insurance & Risk Services Inc. Amwins - 150+ Locations Worldwide Ascendant Insurance Solutions

Internet Risks ■ ■ ■■■

(Italicized companies offer binding authority.)

■ Not Available

Charity First Insurance Services Inc. Executive Insurance Professionals, PLLC First Choice Ins Intermediaries Integrated Specialty Coverages (ISC)

James River Insurance Company

Jencap - Locations Nationwide

Johnson & Johnson Kinsale Insurance Company Nationwide

Pacific Excess Insurance Marketing Sports & Fitness Insurance Corporation (SFIC) TAPCO Underwriters Inc. USG Insurance Services Inc. www.insurancehelper.com

AF Group American Management Corporation Ascinsure Specialty Risk Atlas General Insurance Services, An RPS Company Bass Underwriters

Boston Insurance Brokerage LLC Canon Insurance Service

Charity First Insurance Services Inc. Commercial Sector Insurance Brokers LLC Gridiron Insurance Underwriters Inc.

Indemnity Excess & Surplus Agency Inc. Integrated Specialty Coverages (ISC)

Jencap - Locations Nationwide Johnson & Johnson Kinsale Insurance Company

MacAfee & Edwards - Mexican Ins. Specialist McLeckie Insurance Group NeitClem Wholesale Insurance Brokerage Inc.

Orion Commercial Insurance Services Inc. Roush Insurance Services Inc. Shield Commercial Insurance Services

Southwest Risk

U.S. Risk LLC

UFG Specialty US Assure

XPT Specialty

Contractors Equipment

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

EDP

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Ascinsure Specialty Risk Ashley General Agency Atlas General Insurance Services, An RPS Company Brecht & Associates Builders & Tradesmen’s Ins. Services Inc. (BTIS)

Continental Underwriters Inc. Executive Insurance Professionals, PLLC First Choice Ins Intermediaries Global Special Risks Gridiron Insurance Underwriters Inc. Integrated Specialty Coverages (ISC)

Jencap - Locations Nationwide Kinsale Insurance Company

MacAfee & Edwards - Mexican Ins. Specialist McLeckie Insurance Group Nautilus Insurance Co. & Great Divide Ins. Co. NBIS Norman-Spencer Agency LLC Novatae Risk Group River Valley Underwriters Inc. Roush Insurance Services Inc. Shield Commercial Insurance Services US Assure USASIA Insurance Services Western Surplus Lines Agency Inc.

Continental Underwriters Inc.

Gridiron Insurance Underwriters Inc.

UFG Specialty

Equipment Floaters

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Ascinsure Specialty Risk

Brecht & Associates

Continental Underwriters Inc. First Choice Ins Intermediaries

Gridiron Insurance Underwriters Inc. International Transportation & Marine Agency Inc. McLeckie Insurance Group NBIS

UFG Specialty

Western Surplus Lines Agency Inc.

Floaters (Misc.)

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

All Solutions PBS LLC

Gridiron Insurance Underwriters Inc. Joseph Krar & Associates Inc.

Installation Floaters

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

AF Group

Ascinsure Specialty Risk NBIS Shield Commercial Insurance Services

UFG Specialty US Assure

Motor Truck Cargo

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

AF Group American Management Corporation

Ascendant Insurance Solutions

Ascinsure Specialty Risk

Berkley Fire & Marine Boston Insurance Brokerage LLC

January 22, 2024 INSURANCE JOURNAL | 39

2024 Specialty Markets Directory, Winter Edition

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

■ West

Legend:

■ East

■ Midwest

■ Southeast

■ Texas/South Central

■ ■ ■■■ ■ ■ ■■■

Global Special Risks Gridiron Insurance Underwriters Inc. International Transportation & Marine Agency Inc.

Liability Apartments (liability only)

First Choice Ins Intermediaries

Jencap - Locations Nationwide Johnson & Johnson Kinsale Insurance Company

MacAfee & Edwards - Mexican Ins. Specialist McLeckie Insurance Group MexiPass International Insurance Services LLC NBIS Norman-Spencer Agency LLC

RT Specialty

Sun Coast General Insurance Agency XPT Specialty Braishfield Associates, a div of Hull & Company LLC Monarch E&S Insurance Services RT Specialty

Warehousemens Liability

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

AF Group Aspera Insurance Cosmetic Insurance Services, a division of EPIC Brokers Gridiron Insurance Underwriters Inc. International Transportation & Marine Agency Inc.

MAXIMUM NBIS

2024 Specialty Markets Directory, Winter Edition

Internet Related Risks Cyber Liability

E&O

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Access E&S Insurance Services Access One80

Agentic Insurance LLC Ascendant Insurance Solutions Brownyard Group

Builders & Tradesmen’s Ins. Services Inc. (BTIS) Concorde General Agency

Cooper & McCloskey Inc. Cosmetic Insurance Services, a division of EPIC Brokers Eaton Professional Insurance Services eKo Specialty Insurance Services Inc. First Choice Ins Intermediaries IAT Insurance Group Indemnity Excess & Surplus Agency Inc. Integrated Specialty Coverages (ISC) Irwin Siegel Agency

Jencap - Locations Nationwide Jencap Specialty Insurance Services - Buffalo

JM Wilson

Johnson & Johnson Mover’s Choice Insurance

Norman-Spencer Agency LLC ProWriters

Quadrant Insurance Managers RPS Technology & Cyber

RT Specialty

Southwest Risk The McGowan Companies

U.S. E&O Brokers, a Division of U.S. Risk LLC USG Insurance Services Inc.

Wilkoff Bonds XPT Specialty

Access E&S Insurance Services All Solutions PBS LLC Builders & Tradesmen’s Ins. Services Inc. (BTIS) Cooper & McCloskey Inc. Embroker Indemnity Excess & Surplus Agency Inc.

Jencap - Locations Nationwide NeitClem Wholesale Insurance Brokerage Inc. ProWriters

RPS Technology & Cyber U.S. E&O Brokers, a Division of U.S. Risk LLC

E-Commerce Risks

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Cosmetic Insurance Services, a division of EPIC Brokers Embroker RPS Technology & Cyber

Wilkoff Bonds

Internet Service Providers ■ ■ ■■■

RPS Technology & Cyber

Software Designers

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Access E&S Insurance Services Eaton Professional Insurance Services Jencap - Locations Nationwide Jencap Specialty Insurance Services - Buffalo RPS Technology & Cyber

Web Hosting ■ ■ ■■■

RPS Technology & Cyber

40 | INSURANCE JOURNAL January 22, 2024

Web Site Designers

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Eaton Professional Insurance Services RPS Technology & Cyber

Distinguished Programs IPC

James River Insurance Company Jencap - Locations Nationwide Kinsale Insurance Company

Nautilus Insurance Co. & Great Divide Ins. Co.

Southwest Risk

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

Comprehensive Personal Liability (CPL)

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Anderson & Murison Inc. Braishfield Associates, a div of Hull & Company LLC

Concorde General Agency

RT Specialty TAPCO Underwriters Inc.

General Liability (GL)

Access One80

Admiral Insurance Group

Agency Underwriters American Management Corporation Anderson & Murison Inc.

Ascendant Insurance Solutions Aspera Insurance Bass Underwriters

CID Insurance Programs Inc.

Coastal Insurance Underwriters Inc.

Continental Underwriters Inc. Cosmetic Insurance Services, a division of EPIC Brokers Costanza Insurance Agency Inc.

CRC Insurance Services

Distinguished Programs

Element22 Insurance Services

Euclid Life Science Specialty LLC

Executive Insurance Professionals, PLLC First Choice Ins Intermediaries

Indemnity Excess & Surplus Agency Inc. IPC Irwin Siegel Agency

J.E. Brown & Associates James Klein Insurance James River Insurance Company

Jencap - Locations Nationwide

Jencap Specialty Insurance Services - Buffalo Johnson & Johnson Joseph Krar & Associates Inc.

Kinsale Insurance Company

MAXIMUM

McLeckie Insurance Group

Nationwide

Nautilus Insurance Co. & Great Divide Ins. Co. NBIS Negley Associates NeitClem Wholesale Insurance Brokerage Inc.

Norman-Spencer International Inc. Novatae Risk Group

Orion Commercial Insurance Services Inc. Pacific Excess Insurance Marketing

Philadelphia Insurance Companies

Quadrant Insurance Managers REInsurePro Roush Insurance Services Inc. RT Specialty Shield Commercial Insurance Services

Southwest Risk

Specialty Insurance Sports & Fitness Insurance Corporation (SFIC) TAPCO Underwriters Inc. Western Surplus Lines Agency Inc. World Wide Specialty, a Div of Philadelphia Ins. Co’s

Homeowners Associations

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Atlas General Insurance Services, An RPS Company

Charity First Insurance Services Inc. CID Insurance Programs Inc.

Coastal Insurance Underwriters Inc. Distinguished Programs

HabPro Insurance

Jencap - Locations Nationwide MexiPass International Insurance Services LLC Quirk & Company

U.S. Risk LLC

Lessor`s Risk

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

(Italicized companies offer binding authority.)

■ Not Available

Brecht & Associates Commercial Sector Insurance Brokers LLC DeCotis Specialty Insurance

Personal Property Floaters ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

■ West

AF Group

Ascendant Insurance Solutions

Aspera Insurance Atlas General Insurance Services, An RPS Company Bass Underwriters Brecht & Associates

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

CID Insurance Programs Inc.

Distinguished Programs Gorst & Compass Insurance

HabPro Insurance

IAT Insurance Group IPC

James River Insurance Company

Jencap - Locations Nationwide

JM Wilson

Nautilus Insurance Co. & Great Divide Ins. Co.

New England Excess Exchange Orion Commercial Insurance Services Inc. Pacific Excess Insurance Marketing

Philadelphia Insurance Companies Quirk & Company The McGowan Companies

Owners, Landlords & Tenants (OLT)

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Admiral Insurance Group Aspera Insurance

Distinguished Programs

James River Insurance Company

Jencap - Locations Nationwide Orion Commercial Insurance Services Inc. Philadelphia Insurance Companies REInsurePro TAPCO Underwriters Inc. USASIA Insurance Services

Premises Liability

Admiral Insurance Group AF Group

Charity First Insurance Services Inc. Distinguished Programs

HabPro Insurance

IAT Insurance Group IPC

Jencap - Locations Nationwide

Nautilus Insurance Co. & Great Divide Ins. Co.

Orion Commercial Insurance Services Inc.

REInsurePro Sports & Fitness Insurance Corporation (SFIC) TAPCO Underwriters Inc. Virtue Risk Partners LLC www.insurancehelper.com

Liquor Liability Bars/Night Clubs (W/ Liquor Liability)

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Amwins - 150+ Locations Worldwide Ashley General Agency

Charity First Insurance Services Inc. CRC Insurance Services

Donald Gaddis Co. Inc. Insurance Services

Jencap - Locations Nationwide Number One Insurance Agency Specialty Insurance TAPCO Underwriters Inc.

U.S. Risk LLC

USG Insurance Services Inc.

Liquor Dealers & Stores

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Gorst & Compass Insurance

Jencap - Locations Nationwide Number One Insurance Agency Specialty Insurance

Liquor Liability

All Solutions PBS LLC American Management Corporation

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

Charity First Insurance Services Inc.

Coastal Insurance Underwriters Inc.

Commercial Sector Insurance Brokers LLC DeCotis Specialty Insurance

Donald Gaddis Co. Inc. Insurance Services

Erickson-Larsen Inc. Executive Insurance Professionals, PLLC First Choice Ins Intermediaries FTP Inc.

Hull & Company Indemnity Excess & Surplus Agency Inc.

Jencap - Locations Nationwide Jencap Specialty Insurance Services - Buffalo Jimcor Agencies

Number One Insurance Agency

Pacific Excess Insurance Marketing River Valley Underwriters Inc.

Roush Insurance Services Inc. RT Specialty Specialty Insurance TAPCO Underwriters Inc. USASIA Insurance Services www.insurancehelper.com

Liquor Liability Host

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Jencap - Locations Nationwide TAPCO Underwriters Inc. www.insurancehelper.com

www.insurancejournal.com

Legend:

■ East

■ Midwest

■ Southeast

■ Texas/South Central

Manufacturing Risks Ammunition / Firearms Manufacturers

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Aspera Insurance James River Insurance Company

Joseph Chiarello & Co ; Firearms Business Insurance

Building Supplies ■ ■ ■■■

Continental Underwriters Inc.

Chemical Manufacturers

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Access E&S Insurance Services

Jencap - Locations Nationwide Nationwide Philadelphia Insurance Companies Quirk & Company

UFG Specialty

James River Insurance Company Jencap - Locations Nationwide Nationwide NeitClem Wholesale Insurance Brokerage Inc.

■ ■ ■■■

Sun Coast General Insurance Agency Integrated Specialty Coverages (ISC)

Nationwide

Aspera Insurance CRC Insurance Services

Euclid Life Science Specialty LLC

James Klein Insurance James River Insurance Company Jencap - Locations Nationwide

LifeScienceRisk Novatae Risk Group Professional Program Ins. Brokerage, a Div of SPG

Quaker Special Risk, a Jencap Company (Florida) Quaker Special Risk, a Jencap Company (Mass.) Quaker Special Risk, a Jencap Company (New Jersey) Boston Insurance Brokerage LLC Izzo Insurance Services, A Div of Hull & Company LLC James River Insurance Company Jencap - Locations Nationwide Nationwide

International Transportation & Marine Agency Inc. LIG Marine Managers

■ ■ ■■■

Markel Personal Lines

Fishing Guides

■ ■ ■■■ ■ ■ ■■■

Coastal Brokers Insurance Services Inc. Markel Personal Lines

High Performance Boats Hull/P&I

Markel Personal Lines Amwins - 150+ Locations Worldwide

Integrated Specialty Coverages (ISC) LIG Marine Managers

Markel Personal Lines

Sun Coast General Insurance Agency

U.S. Risk LLC

Jet Pump Boats ■ ■ ■■■

Markel Personal Lines

Jet Ski/PWC ■ ■ ■■■ ■ ■ ■■■

Foremost Insurance Group

Markel Personal Lines

Marina Operators

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

JSM Brokerage Insurance and Risk Management McGowan Allied Specialty Insurance Sun Coast General Insurance Agency

Marinas, Boat Dealers/Repairers

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Builders & Tradesmen’s Ins. Services Inc. (BTIS) Hull & Company JSM Brokerage Insurance and Risk Management LIG Marine Managers Roush Insurance Services Inc.

Marine Pollution

Nautilus Insurance Co. & Great Divide Ins. Co. Novatae Risk Group

■ ■ ■■■ ■ ■ ■■■

The McGowan Companies

Maritime Employers Liability (MEL)

Philadelphia Insurance Companies Cooper & McCloskey Inc. Great American Risk Solutions Kinsale Insurance Company UFG Specialty

Continental Underwriters Inc.

Jencap - Locations Nationwide Nationwide

Roush Insurance Services Inc.

UFG Specialty

Markel Personal Lines JSM Brokerage Insurance and Risk Management LIG Marine Managers LIG Marine Managers LIG Marine Managers Sun Coast General Insurance Agency

www.insurancejournal.com

■ ■ ■■■ ■ ■ ■■■

JSM Brokerage Insurance and Risk Management Virtue Risk Partners LLC LIG Marine Managers

U.S. Risk LLC

Ocean Marine

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

AF Group DeCotis Specialty Insurance

International Transportation & Marine Agency Inc.

JM Wilson

LIG Marine Managers

Monarch E&S Insurance Services USASIA Insurance Services

Passenger Vessel - Excursions

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Hull & Company JSM Brokerage Insurance and Risk Management LIG Marine Managers

Markel Personal Lines

Personal Watercraft - Liability & Phys Damage

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Foremost Insurance Group

Markel Personal Lines Mexpro.com / NFP

Private Pleasure Yachts

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

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

Hull & Company JSM Brokerage Insurance and Risk Management Markel Personal Lines

JSM Brokerage Insurance and Risk Management Smart Choice Express Markets JSM Brokerage Insurance and Risk Management

■ ■ ■■■ ■ ■ ■■■

LIG Marine Managers

Ski Boat/Small Boat Package

Foremost Insurance Group

■ ■ ■■■ ■ ■ ■■■

Markel Personal Lines

Watercraft - Liability & Physical Damage Foremost Insurance Group

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Jencap - Locations Nationwide Jencap Specialty Insurance Services - Buffalo JM Wilson Markel Personal Lines Mexpro.com / NFP

Wet Marine

International Transportation & Marine Agency Inc.

■ ■ ■■■

Yacht Clubs

Legacy Employer Concepts LLC

■ ■ ■■■

Nonprofit & Related Charitable Organizations

AMIS/Alliance Marketing & Insurance Services LLC

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Berkley Select | a Berkley Company

Care Providers Insurance Services

First Choice Ins Intermediaries Gateway Specialty Insurance Irwin Siegel Agency

MexiPass International Insurance Services LLC Negley Associates

Nonprofits Insurance Alliance

Clubs/Groups

Berkley Select | a Berkley Company

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Care Providers Insurance Services

Gateway Specialty Insurance Jencap - Locations Nationwide MexiPass International Insurance Services LLC Nationwide

Nautilus Insurance Co. & Great Divide Ins. Co.

New England Excess Exchange Nonprofits Insurance Alliance

Nonprofit Organizations

Addiction Treatment Providers Insurance Program All Solutions PBS LLC Allsouth Professional Liability AMIS/Alliance Marketing & Insurance Services LLC Amwins - 150+ Locations Worldwide Ascendant Insurance Solutions Berkley Select | a Berkley Company Builders & Tradesmen’s Ins. Services Inc. (BTIS)

Care Providers Insurance Services

CID Insurance Programs Inc. DeCotis Specialty Insurance Eaton Professional Insurance Services First Choice Ins Intermediaries Gateway Specialty Insurance

Irwin Siegel Agency

J.E. Brown & Associates Jencap - Locations Nationwide Jencap Specialty Insurance Services - Buffalo Legacy Employer Concepts LLC

MexiPass International Insurance Services LLC Nautilus Insurance Co. & Great Divide Ins. Co. Negley Associates

Nonprofits Insurance Alliance

Norman-Spencer Agency LLC

Roush Insurance Services Inc. Sports & Wellness Insurance U.S. E&O Brokers, a Division of U.S. Risk LLC

Religious Organizations

AMIS/Alliance Marketing & Insurance Services LLC

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Braishfield Associates, a div of Hull & Company LLC Care Providers Insurance Services

Gateway Specialty Insurance Jencap - Locations Nationwide MexiPass International Insurance Services LLC Promont Insurance Advisors

Quirk & Company

USG Insurance Services Inc.

Volunteers

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Care Providers Insurance Services Negley Associates

Nonprofits Insurance Alliance Sports & Wellness Insurance

Mexpro.com / NFP Quaker Special Risk, a Jencap Co. (New Jersey) Sun Coast General Insurance Agency

January 22, 2024 INSURANCE JOURNAL | 41

2024 Specialty Markets Directory, Winter Edition

Continental Underwriters Inc.

JM Wilson

Fishing Boats Commercial

XPT Specialty

Boat Repair Operations - Yards ■ ■ ■■■ ■ ■ ■■■

JSM Brokerage Insurance and Risk Management Markel Personal Lines

Excess Liability

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Boat Manufacturers ■ ■ ■■■

■ ■ ■■■

Pacific Excess Insurance Marketing The McGowan Companies

UFG Specialty

Boat Dealers

■ ■ ■■■ ■ ■ ■■■

Charter Boats - Skippered

■ ■ ■■■

Marine Related Antique & Classic Boats ■ ■ ■■■

Markel Personal Lines

Container (Marine) Insurance

Wood Products Manufacturing

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

■ ■ ■■■

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

Transportation Equipment Manufacturers ■ ■ ■■■

Charter Boats - Bareboat

■ ■ ■■■ ■ ■ ■■■

Novatae Risk Group

Product Contamination/Recall

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Ship Repairers

NeitClem Wholesale Insurance Brokerage Inc.

Metal & Plastics Manufacturers

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Integrated Specialty Coverages (ISC)

Kinsale Insurance Company

Commercial Marine

Medical Equipment Manufacturers

■ ■ ■■■ ■ ■ ■■■

Jencap - Locations Nationwide Jencap Specialty Insurance Services (Environmental)

Furniture & Fixtures Manufacturers ■ ■ ■■■ ■ ■ ■■■

Cargo

Recreational Marine

Markel Personal Lines

Beacon Hill Associates

Cosmetic Insurance Services, a division of EPIC Brokers James River Insurance Company

Food Manufacturers/Producers

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Boat/PWC Rental Operations ■ ■ ■■■

(Italicized companies offer binding authority.)

■ Not Available

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Electrical & Electronic Equip. Manufacturers

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

■ West

Legend:

■ East

■ Midwest

■ Southeast

■ Texas/South Central

Oil & Gas Control of Well/OEE

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

eKo Specialty Insurance Services Inc. Global Special Risks

Quirk & Company

Western Surplus Lines Agency Inc.

Offshore Oil Drilling & Service Risks ■ ■ ■■■

U.S. Risk LLC

Oil & Gas Risks

Amwins - 150+ Locations Worldwide Ashley General Agency Aspera Insurance Brecht & Associates CRC Insurance Services Global Special Risks

James River Insurance Company

Jencap - Locations Nationwide

Kinsale Insurance Company Novatae Risk Group

Quirk & Company RMC Group

RT Specialty Southwest Risk

U.S. Risk LLC USG Insurance Services Inc. Western Surplus Lines Agency Inc.

Petrochemical Risks ■ ■ ■■■

James River Insurance Company

2024 Specialty Markets Directory, Winter Edition

Products Liability Chemical Products

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Beacon Hill Associates

Canon Insurance Service Cosmetic Insurance Services, a division of EPIC Brokers James River Insurance Company Jencap - Locations Nationwide Jencap Specialty Insurance Services (Environmental)

Chemical Properties

■ ■ ■■■ ■ ■ ■■■

Jencap - Locations Nationwide Jencap Specialty Insurance Services (Environmental)

Cosmetics Products

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Brownyard Group

Canon Insurance Service Cosmetic Insurance Services, a division of EPIC Brokers Euclid Life Science Specialty LLC Nautilus Insurance Co. & Great Divide Ins. Co. Professional Program Ins. Brokerage, a Div of SPG

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

Hazardous Products

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Canon Insurance Service Donald Gaddis Co. Inc. Insurance Services eKo Specialty Insurance Services Inc. James River Insurance Company Jencap - Locations Nationwide Jencap Specialty Insurance Services (Environmental) Jimcor Agencies USG Insurance Services Inc.

Medical Products

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Access E&S Insurance Services Admiral Insurance Group

Euclid Life Science Specialty LLC

Founders Professional James River Insurance Company JM Wilson Professional Program Ins. Brokerage, a Div of SPG RT Specialty

New Products

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Donald Gaddis Co. Inc. Insurance Services Euclid Life Science Specialty LLC Jimcor Agencies

Philadelphia Insurance Companies

Nutraceuticals

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

■ West

Pharmaceuticals

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Admiral Insurance Group

Euclid Life Science Specialty LLC

Founders Professional Hull & Company James River Insurance Company Jencap - Locations Nationwide LifeScienceRisk RT Specialty

Product Contamination/Recall

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

All Solutions PBS LLC Amwins - 150+ Locations Worldwide Cooper & McCloskey Inc. Great American Risk Solutions Jencap - Locations Nationwide Jencap Specialty Insurance Services (Environmental) Jimcor Agencies

Products Liability (General)

Admiral Insurance Group Amwins - 150+ Locations Worldwide Ashley General Agency

Aspera Insurance Boston Insurance Brokerage LLC Canon Insurance Service Commercial Sector Insurance Brokers LLC Continental Underwriters Inc. Cosmetic Insurance Services, a division of EPIC Brokers CRC Insurance Services DeCotis Specialty Insurance Donald Gaddis Co. Inc. Insurance Services Euclid Life Science Specialty LLC

Gorst & Compass Insurance Great American Risk Solutions Indemnity Excess & Surplus Agency Inc. James Klein Insurance James River Insurance Company Jencap - Locations Nationwide Jencap Specialty Insurance Services - Buffalo

JM Wilson

Kinsale Insurance Company MAXIMUM Monarch E&S Insurance Services Nationwide

Nautilus Insurance Co. & Great Divide Ins. Co.

NeitClem Wholesale Insurance Brokerage Inc. Nonprofits Insurance Alliance Novatae Risk Group

Orion Commercial Insurance Services Inc. Pacific Excess Insurance Marketing

Philadelphia Insurance Companies

USG Insurance Services Inc. Western Surplus Lines Agency Inc. www.insurancehelper.com

XPT Specialty

Euclid Life Science Specialty LLC

Canon Insurance Service Kinsale Insurance Company Novatae Risk Group

Allsouth Professional Liability Applied Financial Lines Brooks Insurance Agency Cooper & McCloskey Inc. James River Insurance Company Jamison Risk Services

Norman-Spencer International Inc.

Quirk & Company

Synergy Professional Associates Inc.

Actuaries

Euclid Life Science Specialty LLC

■ ■ ■■■

James River Insurance Company

LifeScienceRisk Professional Program Ins. Brokerage, a Div of SPG

Alarm Installers

42 | INSURANCE JOURNAL January 22, 2024

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Atlas General Insurance Services, An RPS Company Braishfield Associates, a div of Hull & Company LLC

Brooks Insurance Agency CID Insurance Programs Inc. Cooper & McCloskey Inc. Donald Gaddis Co. Inc. Insurance Services Eaton Professional Insurance Services eKo Specialty Insurance Services Inc. Founders Professional Global Special Risks

Hull & Company J.E. Brown & Associates James River Insurance Company NeitClem Wholesale Insurance Brokerage Inc. Professional Underwriters Agency (PUA)

ProWriters Quaker Special Risk, a Jencap Company (New Jersey) Synergy Professional Associates Inc. Target Professional Programs U.S. Risk LLC

XPT Specialty

Asset Managers ■ ■ ■■■

Jamison Risk Services

Beauticians

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

AMIS/Alliance Marketing & Insurance Services LLC

Brooks Insurance Agency

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

Billing Services (Incl. Medical)

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Professional Underwriters Agency (PUA)

Quaker Special Risk, a Jencap Company (Florida) Quaker Special Risk, a Jencap Company (Mass.) U.S. Risk LLC

Bookkeepers ■ ■ ■■■

U.S. E&O Brokers, a Division of U.S. Risk LLC

Broadcasters & Publishers

Computer & EDP Consultants

Admiral Insurance Group Cosmetic Insurance Services, a division of EPIC Brokers

Quaker Special Risk, a Jencap Company (Florida) Quaker Special Risk, a Jencap Company (Mass.) Quaker Special Risk, a Jencap Company (New Jersey) Quirk & Company RT Specialty

5Star Specialty Programs

Access E&S Insurance Services Admiral Insurance Group Agentic Insurance LLC All Solutions PBS LLC Allsouth Professional Liability Amwins - 150+ Locations Worldwide Applied Financial Lines ARC West Coast Excess & Surplus Brokerage LLC Aspera Insurance

The Mechanic Group, A Div of Specialty Programs Group

U.S. Risk LLC UFG Specialty USASIA Insurance Services

Professional Liability Accountants

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

■ ■ ■■■ ■ ■ ■■■

Products Recall Expense Ins.

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Architects & Engineers

Professional Program Ins. Brokerage, a Div of SPG

RT Specialty Southwest Risk

Products Liability (Retroactive)

■ ■ ■■■

(Italicized companies offer binding authority.)

■ Not Available

Synergy Professional Associates Inc. AMIS/Alliance Marketing & Insurance Services LLC

Brownyard Group Costanza Insurance Agency Inc. The Mechanic Group, A Div of Specialty Programs Group

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

ARC West Coast Excess & Surplus Brokerage LLC Cooper & McCloskey Inc.

Donald Gaddis Co. Inc. Insurance Services Eaton Professional Insurance Services Executive Insurance Professionals, PLLC

Professional Underwriters Agency (PUA) RPS Technology & Cyber

Synergy Professional Associates Inc.

Consultants (General)

Access E&S Insurance Services Admiral Insurance Group All Solutions PBS LLC Balance Partners - Maven

CID Insurance Programs Inc. Commercial Sector Insurance Brokers LLC Cooper & McCloskey Inc. Eaton Professional Insurance Services First Choice Ins Intermediaries

Global Special Risks Indemnity Excess & Surplus Agency Inc.

James River Insurance Company Nonprofits Insurance Alliance Norman-Spencer International Inc. Professional Insurance Concepts

Professional Program Ins. Brokerage, a Div of SPG

Professional Underwriters Agency (PUA) River Valley Underwriters Inc.

Synergy Professional Associates Inc. U.S. E&O Brokers, a Division of U.S. Risk LLC

Contractors

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Applied Financial Lines J.E. Brown & Associates James River Insurance Company Norman-Spencer International Inc. Philadelphia Insurance Companies

Professional Underwriters Agency (PUA) Virtue Risk Partners LLC

Counselors

■ ■ ■■■ ■ ■ ■■■

First Choice Ins Intermediaries Nonprofits Insurance Alliance

www.insurancejournal.com

Legend:

■ East

Crime

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

■ Midwest

■ Southeast

■ Texas/South Central

ARC West Coast Excess & Surplus Brokerage LLC Brooks Insurance Agency Hudson Insurance Group / Hudson Pro (TM) Jamison Risk Services Novatae Risk Group

Philadelphia Insurance Companies

Professional Insurance Concepts ProWriters U.S. E&O Brokers, a Division of U.S. Risk LLC Wilkoff Bonds

Cyber Liability

Access E&S Insurance Services Agentic Insurance LLC All Solutions PBS LLC Amwins - 150+ Locations Worldwide Applied Financial Lines ARC West Coast Excess & Surplus Brokerage LLC Brooks Insurance Agency CID Insurance Programs Inc. Cooper & McCloskey Inc. DeCotis Specialty Insurance Eaton Professional Insurance Services Hull & Company Irwin Siegel Agency

Jamison Risk Services Jencap - Locations Nationwide Kevin Davis Insurance Services Novatae Risk Group

Philadelphia Insurance Companies ProWriters

Quirk & Company

RPS Technology & Cyber

Synergy Professional Associates Inc. The McGowan Companies

U.S. E&O Brokers, a Division of U.S. Risk LLC U.S. Risk LLC

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

E&O (General)

5Star Specialty Programs

Access E&S Insurance Services Admiral Insurance Group Agency Underwriters

Agentic Insurance LLC All Solutions PBS LLC Allsouth Professional Liability AMIS/Alliance Marketing & Insurance Services LLC Anderson & Murison Inc.

Applied Financial Lines ARC West Coast Excess & Surplus Brokerage LLC Ashley General Agency

Aspera Insurance

Balance Partners - Maven

Boston Insurance Brokerage LLC Brooks Insurance Agency Builders & Tradesmen’s Ins. Services Inc. (BTIS) CID Insurance Programs Inc. Costanza Insurance Agency Inc.

CRC Insurance Services DeCotis Specialty Insurance Donald Gaddis Co. Inc. Insurance Services Eaton Professional Insurance Services eKo Specialty Insurance Services Inc. Embroker

First Choice Ins Intermediaries Hudson Insurance Group / Hudson Pro (TM) Indemnity Excess & Surplus Agency Inc.

James Klein Insurance James River Insurance Company Jamison Risk Services

Jencap - Locations Nationwide

JM Wilson Joseph Krar & Associates Inc. Kinsale Insurance Company MAXIMUM NeitClem Wholesale Insurance Brokerage Inc. Nonprofits Insurance Alliance Philadelphia Insurance Companies ProWriters Quadrant Insurance Managers Quirk & Company River Valley Underwriters Inc. RMC Group

Roush Insurance Services Inc. RT Specialty Specialty Wholesale Ins. Solution (SWIS), a Div of SPG Synergy Professional Associates Inc. The McGowan Companies

U.S. E&O Brokers, a Division of U.S. Risk LLC U.S. Risk LLC

USASIA Insurance Services

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

www.insurancejournal.com

E&S Brokers & MGAs

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Admiral Insurance Group

Anderson & Murison Inc. Quadrant Insurance Managers Synergy Professional Associates Inc. U.S. E&O Brokers, a Division of U.S. Risk LLC

Employment Practices Liability

5Star Specialty Programs

Agentic Insurance LLC All Solutions PBS LLC AMIS/Alliance Marketing & Insurance Services LLC ARC West Coast Excess & Surplus Brokerage LLC Berkley Select | a Berkley Company Brooks Insurance Agency CID Insurance Programs Inc. Coastal Insurance Underwriters Inc.

Cooper & McCloskey Inc. Donald Gaddis Co. Inc. Insurance Services Eaton Professional Insurance Services eKo Specialty Insurance Services Inc. Founders Professional Hudson Insurance Group / Hudson Pro (TM) Hull & Company IAT Insurance Group Indemnity Excess & Surplus Agency Inc.

Jamison Risk Services Jimcor Agencies

NeitClem Wholesale Insurance Brokerage Inc. Nonprofits Insurance Alliance Novatae Risk Group

Pacific Excess Insurance Marketing Philadelphia Insurance Companies Professional Insurance Concepts ProWriters Quadrant Insurance Managers RPS Technology & Cyber

Specialty Wholesale Ins. Solution (SWIS), a Div of SPG Synergy Professional Associates Inc.

Target Professional Programs U.S. Risk LLC World Wide Specialty, a Div of Philadelphia Ins. Co’s

XPT Specialty

Environmental E&O

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Access E&S Insurance Services Applied Financial Lines Beacon Hill Associates

Brooks Insurance Agency

Freberg Environmental Inc.

Philadelphia Insurance Companies Quaker Special Risk, a Jencap Company (New Jersey)

Executive Recruiters/Employment Agencies

■ ■ ■■■ ■ ■ ■■■

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

Fiduciary Liability

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

5Star Specialty Programs

ARC West Coast Excess & Surplus Brokerage LLC Brooks Insurance Agency Hudson Insurance Group / Hudson Pro (TM) Indemnity Excess & Surplus Agency Inc. Jamison Risk Services Professional Insurance Concepts RPS Technology & Cyber

Synergy Professional Associates Inc. Wilkoff Bonds

Financial Institution

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

5Star Specialty Programs

Agentic Insurance LLC Applied Financial Lines ARC West Coast Excess & Surplus Brokerage LLC Brooks Insurance Agency Hudson Insurance Group / Hudson Pro (TM) Jamison Risk Services ProWriters RT Specialty

U.S. E&O Brokers, a Division of U.S. Risk LLC

Financial Planners ■ ■ ■■■ ■ ■ ■■■

5Star Specialty Programs

Hudson Insurance Group / Hudson Pro (TM)

Firearm Instructors ■ ■ ■■■

Joseph Chiarello & Co ; Firearms Business Insurance

Home Inspectors

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Jimcor Agencies Norman-Spencer Agency LLC RealCare Insurance

Target Professional Programs

Insurance Adjusters ■ ■ ■■■

(Italicized companies offer binding authority.)

■ Not Available

Quadrant Insurance Managers

Insurance Agents & Brokers E&O

5Star Specialty Programs

All Solutions PBS LLC Amwins - 150+ Locations Worldwide ARC West Coast Excess & Surplus Brokerage LLC Balance Partners - Maven

Brooks Insurance Agency Builders & Tradesmen’s Ins. Services Inc. (BTIS) CID Insurance Programs Inc. Commercial Sector Insurance Brokers LLC Cooper & McCloskey Inc. CRC Insurance Services Eaton Professional Insurance Services eKo Specialty Insurance Services Inc. Founders Professional Hudson Insurance Group / Hudson Pro (TM) J.E. Brown & Associates James River Insurance Company Jamison Risk Services Jencap - Locations Nationwide Jencap Specialty Insurance Services - Buffalo Novatae Risk Group

Number One Insurance Agency

Professional Insurance Concepts

ProWriters

Quadrant Insurance Managers Sun Coast General Insurance Agency

Synergy Professional Associates Inc.

Target Professional Programs U.S. Brokers Network, a Division of U.S. Risk LLC U.S. E&O Brokers, a Division of U.S. Risk LLC U.S. Risk LLC

Interior Designers

■ ■ ■■■ ■ ■ ■■■

Allsouth Professional Liability Professional Underwriters Agency (PUA)

Internet Risks

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Eaton Professional Insurance Services ProWriters RPS Technology & Cyber

Investment Advisory Reps

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Lawyers

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

ARC West Coast Excess & Surplus Brokerage LLC First Choice Ins Intermediaries ProWriters 5Star Specialty Programs

Agentic Insurance LLC Allsouth Professional Liability Applied Financial Lines ARC West Coast Excess & Surplus Brokerage LLC Aspera Insurance Berkley Select | a Berkley Company Brooks Insurance Agency Cooper & McCloskey Inc. CRC Insurance Services eKo Specialty Insurance Services Inc. Founders Professional James River Insurance Company Jamison Risk Services Lawyer’s Protector Plan Number One Insurance Agency Professional Insurance Concepts

ProWriters

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

Synergy Professional Associates Inc.

U.S. Risk LLC

Media Professionals

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

ARC West Coast Excess & Surplus Brokerage LLC Brooks Insurance Agency Cooper & McCloskey Inc. Donald Gaddis Co. Inc. Insurance Services Eaton Professional Insurance Services First Choice Ins Intermediaries Hudson Insurance Group / Hudson Pro (TM) Hull & Company

Meeting Planners ■ ■ ■■■

www.insurancehelper.com

Misc. Professional Liability

5Star Specialty Programs

Access E&S Insurance Services Access One80

Admiral Insurance Group Agentic Insurance LLC All Solutions PBS LLC Allsouth Professional Liability Anderson & Murison Inc.

ARC West Coast Excess & Surplus Brokerage LLC

Atlas General Insurance Services, An RPS Company Balance Partners - Maven Braishfield Associates, a div of Hull & Company LLC

Brooks Insurance Agency Charity First Insurance Services Inc. CID Insurance Programs Inc.

January 22, 2024 INSURANCE JOURNAL | 43

2024 Specialty Markets Directory, Winter Edition

■ West

2024 Specialty Markets Directory, Winter Edition

Legend:

■ East

■ Midwest

■ Southeast

■ Texas/South Central

Cooper & McCloskey Inc. CRC Insurance Services Donald Gaddis Co. Inc. Insurance Services Eaton Professional Insurance Services Executive Insurance Professionals, PLLC First Choice Ins Intermediaries Founders Professional FTP Inc. Hudson Insurance Group / Hudson Pro (TM) Hull & Company Indemnity Excess & Surplus Agency Inc. James River Insurance Company Jamison Risk Services Jencap - Locations Nationwide Jencap Specialty Insurance Services - Buffalo JM Wilson

Kinsale Insurance Company

Monarch E&S Insurance Services

Nautilus Insurance Co. & Great Divide Ins. Co.

NeitClem Wholesale Insurance Brokerage Inc. Nonprofits Insurance Alliance Norman-Spencer International Inc. Professional Insurance Concepts

Professional Program Ins. Brokerage, a Div of SPG Professional Underwriters Agency (PUA)

ProWriters Quadrant Insurance Managers Quirk & Company Roush Insurance Services Inc. RT Specialty Specialty Wholesale Ins. Solution (SWIS), a Div of SPG Sports & Fitness Insurance Corporation (SFIC) Sun Coast General Insurance Agency

Synergy Professional Associates Inc. Target Professional Programs The McGowan Companies

U.S. E&O Brokers, a Division of U.S. Risk LLC U.S. Risk LLC

XPT Specialty

Mortgage Brokers

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Agentic Insurance LLC Allsouth Professional Liability Cooper & McCloskey Inc.

Norman-Spencer Agency LLC

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

Party Coordinators ■ ■ ■■■

www.insurancehelper.com

AMIS/Alliance Marketing & Insurance Services LLC Brownyard Group Costanza Insurance Agency Inc.

Izzo Insurance Services, A Div of Hull & Company LLC Allsouth Professional Liability ARC West Coast Excess & Surplus Brokerage LLC CID Insurance Programs Inc. Indemnity Excess & Surplus Agency Inc. J.E. Brown & Associates ProWriters RealCare Insurance Synergy Professional Associates Inc. Agentic Insurance LLC All Solutions PBS LLC Allsouth Professional Liability

Braishfield Associates, a div of Hull & Company LLC

Brooks Insurance Agency Eaton Professional Insurance Services First Choice Ins Intermediaries Indemnity Excess & Surplus Agency Inc. J.E. Brown & Associates Norman-Spencer Agency LLC

ProWriters RealCare Insurance Synergy Professional Associates Inc. U.S. E&O Brokers, a Division of U.S. Risk LLC

Real Estate Appraisers

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Security Guard & Detective Agencies

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

AMIS/Alliance Marketing & Insurance Services LLC Brownyard Group

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

The Mechanic Group, A Div of Specialty Programs Group

Stand- Alone Fiduciary

■ ■ ■■■ ■ ■ ■■■

Jamison Risk Services

Synergy Professional Associates Inc.

Tax Preparers

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Norman-Spencer International Inc.

Professional Underwriters Agency (PUA) U.S. E&O Brokers, a Division of U.S. Risk LLC

Technology Professionals

5Star Specialty Programs

Access E&S Insurance Services All Solutions PBS LLC ARC West Coast Excess & Surplus Brokerage LLC Brooks Insurance Agency CID Insurance Programs Inc. Donald Gaddis Co. Inc. Insurance Services Eaton Professional Insurance Services Embroker

First Choice Ins Intermediaries Hudson Insurance Group / Hudson Pro (TM) Indemnity Excess & Surplus Agency Inc. ProWriters

Quadrant Insurance Managers Quaker Special Risk, a Jencap Company (Florida) Quaker Special Risk, a Jencap Company (Mass.) RPS Technology & Cyber

Synergy Professional Associates Inc.

Temporary Personnel Agencies ■ ■ ■■■ ■ ■ ■■■

RPS Technology & Cyber World Wide Specialty, a Div of Philadelphia Ins. Co’s

Third Party Administrators

Agentic Insurance LLC ARC West Coast Excess & Surplus Brokerage LLC Synergy Professional Associates Inc. U.S. E&O Brokers, a Division of U.S. Risk LLC

Title Agents

Real Estate Agents

Apex Professional Governmental Underwriters

Professional Governmental Underwriters

Property Managers

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Allsouth Professional Liability

Apex

Izzo Insurance Services, A Div of Hull & Company LLC

Private Investigators ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Access E&S Insurance Services First Choice Ins Intermediaries U.S. E&O Brokers, a Division of U.S. Risk LLC

School Board/Public Officials

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Norman-Spencer Agency LLC

ProWriters RealCare Insurance

Sun Coast General Insurance Agency Target Professional Programs

U.S. E&O Brokers, a Division of U.S. Risk LLC

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Prime Insurance Company ProWriters

Truck Drivers/Operators ■ ■ ■■■

Risk Strategies, Transportation Group

Web Site Designers

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Eaton Professional Insurance Services ProWriters RPS Technology & Cyber

Professional Liability--Medical Fields Abortion Clinics

■ ■ ■■■ ■ ■ ■■■

Charity First Insurance Services Inc. Founders Professional

Acupuncturists ■ ■ ■■■

ProAlly

Alcohol/Drug Rehabilitation Centers

Allergists ■ ■ ■■■

44 | INSURANCE JOURNAL January 22, 2024

Agentic Insurance LLC Allsouth Professional Liability Brooks Insurance Agency Norman-Spencer Agency LLC

Travel Agents

■ ■ ■■■ ■ ■ ■■■

(Italicized companies offer binding authority.)

■ Not Available

Registered Investment Advisors

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Police/Law Enforcement Officers

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

■ West

Addiction Treatment Providers Insurance Program Founders Professional Gateway Specialty Insurance

Irwin Siegel Agency

James River Insurance Company Jencap - Locations Nationwide Negley Associates Promont Insurance Advisors

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

TDC Specialty Underwriters

Allied Health Care

Access E&S Insurance Services Ascendant Insurance Solutions Aspera Insurance

Braishfield Associates, a div of Hull & Company LLC

Brooks Insurance Agency Charity First Insurance Services Inc. CID Insurance Programs Inc. Eaton Professional Insurance Services First Choice Ins Intermediaries Gateway Specialty Insurance J.E. Brown & Associates Jencap - Locations Nationwide JM Wilson Kinsale Insurance Company ProAlly

ProWriters RPS Healthcare

TDC Specialty Underwriters

Assisted Living Facilities

Amalgamated Insurance Underwriters Amwins - 150+ Locations Worldwide Boston Insurance Brokerage LLC Charity First Insurance Services Inc. eKo Specialty Insurance Services Inc. Great American Risk Solutions

James River Insurance Company

Jencap - Locations Nationwide Promont Insurance Advisors RPS Healthcare

Sapphire Blue

TDC Specialty Underwriters U.S. Risk LLC

Clinical Trials

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Access E&S Insurance Services Agentic Insurance LLC Cooper & McCloskey Inc. Founders Professional James River Insurance Company Jencap - Locations Nationwide Quaker Special Risk, a Jencap Company (New Jersey) RT Specialty

College/University Health Centers ■ ■ ■■■

TDC Specialty Underwriters

Community Health Centers

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Founders Professional Gateway Specialty Insurance Negley Associates

Nonprofits Insurance Alliance

TDC Specialty Underwriters

Counseling/Mental Health Facilities

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Dentists

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Gateway Specialty Insurance

Irwin Siegel Agency Negley Associates

Nonprofits Insurance Alliance

TDC Specialty Underwriters Allsouth Professional Liability

James River Insurance Company Jamison Risk Services

Healthcare Administrative E&O ■ ■ ■■■

Agentic Insurance LLC

Healthcare Facilities (Misc.)

Access E&S Insurance Services Admiral Insurance Group Amalgamated Insurance Underwriters Berkley Select | a Berkley Company Boston Insurance Brokerage LLC Brooks Insurance Agency Cooper & McCloskey Inc. CRC Insurance Services Gateway Specialty Insurance James River Insurance Company Jamison Risk Services

Professional Program Ins. Brokerage, a Div of SPG Promont Insurance Advisors

RPS Healthcare

TDC Specialty Underwriters

Home Health Agencies

Anderson & Murison Inc.

Ashley General Agency

Care Providers Insurance Services Donald Gaddis Co. Inc. Insurance Services

Founders Professional Gateway Specialty Insurance Hull & Company

James River Insurance Company Jencap - Locations Nationwide Jimcor Agencies Negley Associates

Nonprofits Insurance Alliance

www.insurancejournal.com

Legend:

■ East

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

■ Midwest

■ Southeast

■ Texas/South Central

Promont Insurance Advisors

Quaker Special Risk, a Jencap Co. (All Offices) Quirk & Company

RPS Healthcare Sapphire Blue U.S. Risk LLC

Hospitals

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Agentic Insurance LLC Amwins - 150+ Locations Worldwide Brooks Insurance Agency eKo Specialty Insurance Services Inc. Hudson Insurance Group / Hudson Pro (TM) Jamison Risk Services Negley Associates

RPS Healthcare RT Specialty

TDC Specialty Underwriters

Cooper & McCloskey Inc. James River Insurance Company Jencap - Locations Nationwide TDC Specialty Underwriters

ARC West Coast Excess & Surplus Brokerage LLC Brooks Insurance Agency Gateway Specialty Insurance James River Insurance Company Promont Insurance Advisors

Quaker Special Risk, a Jencap Company (New Jersey) RPS Healthcare TDC Specialty Underwriters

Admiral Insurance Group Founders Professional Gateway Specialty Insurance James River Insurance Company

Jencap - Locations Nationwide Promont Insurance Advisors

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

Medical Malpractice

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

Misc. Professional Liability - Medical Fields

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Amalgamated Insurance Underwriters Cooper & McCloskey Inc. Founders Professional Great American Risk Solutions James River Insurance Company

Access E&S Insurance Services Admiral Insurance Group Agentic Insurance LLC All Solutions PBS LLC Allsouth Professional Liability ARC West Coast Excess & Surplus Brokerage LLC Aspera Insurance Boston Insurance Brokerage LLC Brooks Insurance Agency Donald Gaddis Co. Inc. Insurance Services Eaton Professional Insurance Services First Choice Ins Intermediaries Hudson Insurance Group / Hudson Pro (TM) Jamison Risk Services Jencap - Locations Nationwide

ProAlly Professional Program Ins. Brokerage, a Div of SPG Promont Insurance Advisors RPS Healthcare TDC Specialty Underwriters U.S. Risk LLC

XPT Specialty

www.insurancejournal.com

■ ■ ■■■

RPS Healthcare

Sapphire Blue

U.S. Risk LLC

TDC Specialty Underwriters

Opticians / Optometrists ■ ■ ■■■

ProAlly

Osteopaths

■ ■ ■■■

TDC Specialty Underwriters

Outpatient Clinics

Admiral Insurance Group Cooper & McCloskey Inc. Founders Professional Gateway Specialty Insurance Irwin Siegel Agency

James River Insurance Company Jencap - Locations Nationwide Promont Insurance Advisors

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

Pharmacists

■ ■ ■■■ ■ ■ ■■■

ProAlly TDC Specialty Underwriters

Physician Groups & Clinics

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Physicians

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Podiatrists ■ ■ ■■■

Admiral Insurance Group Allsouth Professional Liability Founders Professional Kinsale Insurance Company RPS Healthcare

TDC Specialty Underwriters

U.S. Risk LLC

Allsouth Professional Liability Amwins - 150+ Locations Worldwide Brooks Insurance Agency Founders Professional Hudson Insurance Group / Hudson Pro (TM) James River Insurance Company RPS Healthcare RT Specialty TDC Specialty Underwriters

Kinsale Insurance Company

Psychiatrists

■ ■ ■■■ ■ ■ ■■■

Negley Associates TDC Specialty Underwriters

Psychologists

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

James River Insurance Company Negley Associates ProAlly

Specified Medical Professions

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Admiral Insurance Group Allsouth Professional Liability Donald Gaddis Co. Inc. Insurance Services Eaton Professional Insurance Services Founders Professional Indemnity Excess & Surplus Agency Inc. Jencap - Locations Nationwide Synergy Professional Associates Inc.

Surgery Centers

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Agentic Insurance LLC Founders Professional James River Insurance Company Quaker Special Risk, a Jencap Company (Florida) Quaker Special Risk, a Jencap Company (Mass.) Quaker Special Risk, a Jencap Company (New Jersey) RPS Healthcare TDC Specialty Underwriters

Urgent Care Centers

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Agentic Insurance LLC Founders Professional RPS Healthcare

TDC Specialty Underwriters

Veterinarians

James River Insurance Company

■ ■ ■■■

Property--Commercial Apartments Access One80 AF Group

Amalgamated Insurance Underwriters Amwins - 150+ Locations Worldwide

Anderson & Murison Inc. Atlas General Insurance Services, An RPS Company

Boston Insurance Brokerage LLC Brecht & Associates

CID Insurance Programs Inc.

Commercial Sector Insurance Brokers LLC Distinguished Programs Donald Gaddis Co. Inc. Insurance Services

Element22 Insurance Services Flood Risk Solutions Inc. FTP Inc. Gorst & Compass Insurance

Great American Risk Solutions HabPro Insurance

Hinterland Insurance Integrated Specialty Coverages (ISC)

Jencap - Locations Nationwide Jimcor Agencies

M.J. Hall & Company Insurance Brokers MAXIMUM New England Excess Exchange Pacific Excess Insurance Marketing Quirk & Company REInsurePro

RT Specialty Southwest Risk

The McGowan Companies USASIA Insurance Services USG Insurance Services Inc. XPT Specialty

Capacity or Excess Property Insurance Canon Insurance Service

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Hull & Company James River Insurance Company Jencap - Locations Nationwide Kinsale Insurance Company

Churches

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Access One80

AMIS/Alliance Marketing & Insurance Services LLC

Brecht & Associates

Care Providers Insurance Services

CID Insurance Programs Inc. Element22 Insurance Services Flood Risk Solutions Inc. FTP Inc.

Gateway Specialty Insurance MAXIMUM

Promont Insurance Advisors

Coastal Property

Access One80

Amwins - 150+ Locations Worldwide

Atlas General Insurance Services, An RPS Company

Boston Insurance Brokerage LLC

Coastal Insurance Underwriters Inc.

Commercial Sector Insurance Brokers LLC Continental Underwriters Inc.

Element22 Insurance Services

FTP Inc. Gridiron Insurance Underwriters Inc.

Jencap - Locations Nationwide MAXIMUM

Quaker Special Risk, a Jencap Co. (New Jersey)

River Valley Underwriters Inc. RT Specialty Sovereign Group Int’l Inc.

U.S. Risk LLC

Commercial Flood (Non-Federal) ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Aon Edge Flood Risk Solutions Inc. Flow Insurance Services

New England Excess Exchange

Commercial Property

Access One80 Agency Underwriters

Amalgamated Insurance Underwriters

American Management Corporation Anderson & Murison Inc. Ashley General Agency

Aspera Insurance

Bass Underwriters

Boston Insurance Brokerage LLC

Braishfield Associates, a div of Hull & Company LLC Canon Insurance Service

CID Insurance Programs Inc.

Coastal Insurance Underwriters Inc.

January 22, 2024 INSURANCE JOURNAL | 45

2024 Specialty Markets Directory, Winter Edition

TDC Specialty Underwriters

Medical Imaging Centers

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Nursing/Convalescent Homes

Ophthalmologists

Medical & Physical Rehab Facilities

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

ProAlly RPS Healthcare

TDC Specialty Underwriters

Nonprofits Insurance Alliance

Managed Care Organizations

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

■ ■ ■■■ ■ ■ ■■■

Negley Associates

Care Providers Insurance Services

Founders Professional Gateway Specialty Insurance James River Insurance Company

Kidney Dialysis Facilities

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Nurses

(Italicized companies offer binding authority.)

■ Not Available

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Hospice Care Programs

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

■ West

Legend:

■ East

■ Midwest

■ Southeast

■ Texas/South Central

Commercial Sector Insurance Brokers LLC Continental Underwriters Inc.

Cosmetic Insurance Services, a division of EPIC Brokers Distinguished Programs

Element22 Insurance Services Executive Insurance Professionals, PLLC FTP Inc.

Great American Risk Solutions

Gridiron Insurance Underwriters Inc. Hull & Company Irwin Siegel Agency

J.E. Brown & Associates James Klein Insurance Jamison Risk Services

Jencap - Locations Nationwide

Jencap Specialty Insurance Services - Buffalo JM Wilson Joseph Krar & Associates Inc.

Kinsale Insurance Company

McLeckie Insurance Group MexiPass International Insurance Services LLC Nautilus Insurance Co. & Great Divide Ins. Co. Negley Associates NeitClem Wholesale Insurance Brokerage Inc. Novatae Risk Group

Orion Commercial Insurance Services Inc. Pacific Excess Insurance Marketing Roush Insurance Services Inc.

Southwest Risk Sun Coast General Insurance Agency U.S. Risk LLC

UFG Specialty

USG Insurance Services Inc. Western Surplus Lines Agency Inc.

2024 Specialty Markets Directory, Winter Edition

Condominiums

AF Group

American Specialty Insurance & Risk Services Inc.

Mercantile

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

CID Insurance Programs Inc.

Coastal Insurance Underwriters Inc. Commercial Sector Insurance Brokers LLC Distinguished Programs

Element22 Insurance Services Flood Risk Solutions Inc.

Gridiron Insurance Underwriters Inc. Hinterland Insurance Integrated Specialty Coverages (ISC)

Jencap - Locations Nationwide NeitClem Wholesale Insurance Brokerage Inc. Pacific Excess Insurance Marketing REInsurePro

Terrorism

Hinterland Insurance

Toxic Mold Liability

Western Surplus Lines Agency Inc.

Vacant Property

Great American Risk Solutions Jencap - Locations Nationwide UFG Specialty

Agency Underwriters Donald Gaddis Co. Inc. Insurance Services

Element22 Insurance Services Great American Risk Solutions MAXIMUM Southwest Risk UFG Specialty USASIA Insurance Services

AF Group Donald Gaddis Co. Inc. Insurance Services

Great American Risk Solutions

Gridiron Insurance Underwriters Inc. Hinterland Insurance IAT Insurance Group

UFG Specialty AF Group

Southwest Risk

The McGowan Companies

UFG Specialty AF Group

Amwins - 150+ Locations Worldwide

Arrowhead General Insurance Agency Inc. Coastal Insurance Underwriters Inc.

FTP Inc. Jencap - Locations Nationwide Orion Commercial Insurance Services Inc.

U.S. Risk LLC

Continental Underwriters Inc. Hinterland Insurance

Jencap - Locations Nationwide Orion Commercial Insurance Services Inc. Poulton Associates REInsurePro

U.S. Risk LLC

American Management Corporation

Continental Underwriters Inc.

CRC Insurance Services

Distinguished Programs

Element22 Insurance Services

Flood Risk Solutions Inc. FTP Inc. Gridiron Insurance Underwriters Inc.

HabPro Insurance

Hinterland Insurance

Jencap - Locations Nationwide Nationwide

Nautilus Insurance Co. & Great Divide Ins. Co. Pacific Excess Insurance Marketing

RT Specialty

Element22 Insurance Services

REInsurePro

Restaurants

Anderson & Murison Inc.

Boston Insurance Brokerage LLC

Brecht & Associates

Coastal Brokers Insurance Services Inc. Flood Risk Solutions Inc. FTP Inc. Gorst & Compass Insurance

Great American Risk Solutions

Hinterland Insurance Hull & Company IAT Insurance Group Integrated Specialty Coverages (ISC) NeitClem Wholesale Insurance Brokerage Inc. Pacific Excess Insurance Marketing Roush Insurance Services Inc.

Southwest Risk

Specialty Insurance Western Surplus Lines Agency Inc.

School Districts

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Apex Commercial Sector Insurance Brokers LLC MAXIMUM

Seasonal Property

■ ■ ■■■ ■ ■ ■■■

New England Excess Exchange REInsurePro

FTP Inc. Hinterland Insurance Irwin Siegel Agency

Service Stations

McLeckie Insurance Group NeitClem Wholesale Insurance Brokerage Inc. REInsurePro Western Surplus Lines Agency Inc. World Wide Specialty, a Div of Philadelphia Ins. Co’s

Shopping Centers

James River Insurance Company

Kinsale Insurance Company UFG Specialty Virtue Risk Partners LLC

46 | INSURANCE JOURNAL January 22, 2024

■ ■ ■■■ ■ ■ ■■■

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Distinguished Programs MexiPass International Insurance Services LLC Monarch E&S Insurance Services

Flood Risk Solutions Inc. FTP Inc.

Office Buildings

■ ■ ■■■ ■ ■ ■■■

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Taverns

Covenant Underwriters Element22 Insurance Services

Manufacturing Operations

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

SMP Package (Specialty/Nonstandard)

Brecht & Associates Commercial Sector Insurance Brokers LLC

Real Estate Investor

Atlas General Insurance Services, An RPS Company Bass Underwriters Canon Insurance Service

Hazardous Occupancies

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

American Management Corporation

HabPro Insurance

Amwins - 150+ Locations Worldwide

General Liability (GL)

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Amalgamated Insurance Underwriters

Great American Risk Solutions

American Management Corporation

Earthquake

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Hotels/Motels

(Italicized companies offer binding authority.)

■ Not Available

Amalgamated Insurance Underwriters

Difference-in-Conditions

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

■ West

AF Group Hinterland Insurance Commercial Sector Insurance Brokers LLC

Element22 Insurance Services Flood Risk Solutions Inc.

Great American Risk Solutions

Gridiron Insurance Underwriters Inc.

HabPro Insurance

Hinterland Insurance

Jencap - Locations Nationwide MAXIMUM

Pacific Excess Insurance Marketing

UFG Specialty

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Specialty Insurance

Element22 Insurance Services Beacon Hill Associates AF Group American Management Corporation

Amwins - 150+ Locations Worldwide

Anderson & Murison Inc. Ashley General Agency Atlas General Insurance Services, An RPS Company Bass Underwriters

Brecht & Associates

Breckenridge Insurance

Canon Insurance Service

Charity First Insurance Services Inc. Coastal Brokers Insurance Services Inc.

Commercial Sector Insurance Brokers LLC

CRC Insurance Services

Distinguished Programs Donald Gaddis Co. Inc. Insurance Services

Element22 Insurance Services Gorst & Compass Insurance

Great American Risk Solutions

Hinterland Insurance Integrated Specialty Coverages (ISC) IPC

J.E. Brown & Associates

JM Wilson

Kinsale Insurance Company M.J. Hall & Company Insurance Brokers MAXIMUM Monarch E&S Insurance Services

NeitClem Wholesale Insurance Brokerage Inc. Number One Insurance Agency Orion Commercial Insurance Services Inc. Pacific Excess Insurance Marketing Quirk & Company REInsurePro Roush Insurance Services Inc.

RT Specialty Southwest Risk

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

U.S. Risk LLC

US Assure USASIA Insurance Services USG Insurance Services Inc. XPT Specialty

Warehouses

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

AF Group

Element22 Insurance Services Flood Risk Solutions Inc.

Great American Risk Solutions

Gridiron Insurance Underwriters Inc. Hinterland Insurance

Nationwide

Nautilus Insurance Co. & Great Divide Ins. Co.

UFG Specialty

Wind Deductible Buy-Back ■ ■ ■ ■ ■ Commercial Sector Insurance Brokers LLC

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Wind/Hail

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Element22 Insurance Services Hull & Company RT Specialty U.S. Risk LLC

Amwins - 150+ Locations Worldwide Ashley General Agency

Coastal Insurance Underwriters Inc.

Commercial Sector Insurance Brokers LLC Element22 Insurance Services FTP Inc. Gridiron Insurance Underwriters Inc. REInsurePro

Property--Residential Coastal Property

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Amwins - 150+ Locations Worldwide

BUA LLC Coastal Insurance Underwriters Inc. DeCotis Specialty Insurance Flood Risk Solutions Inc. FTP Inc.

Jamison Risk Services

Jencap - Locations Nationwide Jimcor Agencies

Markel Personal Lines Quaker Special Risk, a Jencap Co. (Florida & Mass.)

www.insurancejournal.com

Legend:

■ East

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

■ Midwest

■ Southeast

■ Texas/South Central

Quaker Special Risk, a Jencap Co. (New Jersey) RT Specialty Sovereign Group Int’l Inc.

Smart Choice Express Markets

Condominiums (HO-6)

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Boston Insurance Brokerage LLC

Braishfield Associates, a div of Hull & Company LLC

Coastal Brokers Insurance Services Inc. Flood Risk Solutions Inc.

Foremost Insurance Group

FTP Inc. Hull & Company Integrated Specialty Coverages (ISC)

J.E. Brown & Associates

Sovereign Group Int’l Inc.

Contents Only (HO-4) ■ ■ ■■■ ■ ■ ■■■

Foremost Insurance Group

Markel Personal Lines

Dwelling Fire (DP-1, DP-3)

Access One80 Anderson & Murison Inc. Concorde General Agency DeCotis Specialty Insurance

Access One80 Anderson & Murison Inc. Bass Underwriters BUA LLC Flood Risk Solutions Inc.

Foremost Insurance Group Sovereign Group Int’l Inc. US Assure

Arrowhead General Insurance Agency Inc.

MexiPass International Insurance Services LLC

New England Excess Exchange

Roush Insurance Services Inc.

RPS

RT Specialty Sovereign Group Int’l Inc. Flood Risk Solutions Inc. Foremost Insurance Group

Orion Commercial Insurance Services Inc. Poulton Associates REInsurePro

REInsurePro Unitas Financial Services Access One80 Anderson & Murison Inc. Braishfield Associates, a div of Hull & Company LLC BUA LLC Canon Insurance Service

Commercial Sector Insurance Brokers LLC DeCotis Specialty Insurance

FTP Inc.

Gorst & Compass Insurance Irwin Siegel Agency

Flood Risk Solutions Inc. Foremost Insurance Group

Access One80

Markel Personal Lines

Sovereign Group Int’l Inc. Access One80 Foremost Insurance Group Concorde General Agency

Foremost Insurance Group

J.E. Brown & Associates Markel Personal Lines REInsurePro

RPS

Access One80 Anderson & Murison Inc. Canon Insurance Service Foremost Insurance Group

Prime Insurance Company J.E. Brown & Associates

REInsurePro

Unitas Financial Services

Seasonal Dwellings

Access One80 BUA LLC Flood Risk Solutions Inc. Foremost Insurance Group

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

RPS

Tenant Policy

RT Specialty Sovereign Group Int’l Inc. USG Insurance Services Inc. Access One80

Amwins - 150+ Locations Worldwide BUA LLC Canon Insurance Service Flood Risk Solutions Inc. Hull & Company Irwin Siegel Agency

J.E. Brown & Associates JM Wilson

New England Excess Exchange

Novatae Risk Group Quaker Special Risk, a Jencap Co. (New Jersey)

RPS

RT Specialty Sovereign Group Int’l Inc.

www.insurancejournal.com

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Markel Personal Lines REInsurePro

RPS

Sovereign Group Int’l Inc. Foremost Insurance Group FTP Inc. Sovereign Group Int’l Inc. Unitas Financial Services

Vacant Property

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Amwins - 150+ Locations Worldwide Apex Jencap - Locations Nationwide Jencap Specialty Insurance Services - Buffalo RT Specialty The McGowan Companies Virtue Risk Partners LLC

Public Housing Authorities Liability ■ ■ ■■■

Professional Governmental Underwriters

Public Utilities (Water, Gas, Electric)

■ ■ ■■■ ■ ■ ■■■

Grundy Insurance Professional Governmental Underwriters

Wastewater Treatment

Grundy Insurance Virtue Risk Partners LLC

Railroad Risks Railroad Protective Liability

J.E. Brown & Associates Jamison Risk Services Jencap - Locations Nationwide Jencap Specialty Insurance Services - Buffalo Monarch E&S Insurance Services Quaker Special Risk, a Jencap Company (Florida) Quaker Special Risk, a Jencap Company (Mass.) Quirk & Company

Professional Governmental Underwriters

Municipal & Public Entities Liability

Novatae Risk Group RT Specialty

Monarch E&S Insurance Services

Real Estate Investor

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Professional Governmental Underwriters

■ ■ ■■■ ■ ■ ■■■

Non-Standard Dwellings ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

■ ■ ■■■

Jencap - Locations Nationwide

Gorst & Compass Insurance Integrated Specialty Coverages (ISC)

Mobile/Manufactured Homes

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Grundy Insurance

Irrigation Districts

J.E. Brown & Associates JM Wilson Markel Personal Lines

Manufactured HO3 ■ ■ ■■■ ■ ■ ■■■

Public Entities Community Water Districts

Integrated Specialty Coverages (ISC)

FTP Inc. Hull & Company

Low-Value Dwellings

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

REInsurePro Sovereign Group Int’l Inc. US Assure XPT Specialty

Access One80 Canon Insurance Service

Coastal Brokers Insurance Services Inc. DeCotis Specialty Insurance

Foremost Insurance Group

FTP Inc. Gorst & Compass Insurance Integrated Specialty Coverages (ISC) IPC

J.E. Brown & Associates Jimcor Agencies

Markel Personal Lines New England Excess Exchange Number One Insurance Agency

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Arrowhead General Insurance Agency Inc.

Boston Insurance Brokerage LLC Commercial Sector Insurance Brokers LLC

Service Businesses Ambulances ■ ■ ■■■

James River Insurance Company

Barber Shops

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

AMIS/Alliance Marketing & Insurance Services LLC

Coastal Brokers Insurance Services Inc. J.E. Brown & Associates

Professional Program Ins. Brokerage, a Div of SPG

Beauty Salons

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

AMIS/Alliance Marketing & Insurance Services LLC

Ascendant Insurance Solutions Coastal Brokers Insurance Services Inc. J.E. Brown & Associates

Joseph Krar & Associates Inc. Pacific Excess Insurance Marketing Professional Program Ins. Brokerage, a Div of SPG

Beauty Schools ■ ■ ■■■ ■ ■ ■■■

AMIS/Alliance Marketing & Insurance Services LLC Professional Program Ins. Brokerage, a Div of SPG

Beauty Supply ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Buses

■ ■ ■■■ ■ ■ ■■■

AMIS/Alliance Marketing & Insurance Services LLC Brownyard Group Professional Program Ins. Brokerage, a Div of SPG KF&B Program Managers Insurance Services National Indemnity Company

Cannabis, CBD & Smoke/Vape Shop

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

J.E. Brown & Associates Jencap - Locations Nationwide M.J. Hall & Company Insurance Brokers Reefer Protector

Cannabis/Marijuana - Dispensary and Growers ■ ■ ■ ■ ■ Aspera Insurance

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

IPC

Jencap - Locations Nationwide Jimcor Agencies JM Wilson Kinsale Insurance Company M.J. Hall & Company Insurance Brokers

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

Smart Choice Express Markets XPT Specialty

Cemeteries ■ ■ ■■■

Brownyard Group

Coin Laundry ■ ■ ■■■

Coastal Brokers Insurance Services Inc.

January 22, 2024 INSURANCE JOURNAL | 47

2024 Specialty Markets Directory, Winter Edition

Foremost Insurance Group Sovereign Group Int’l Inc. US Assure

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

RPS

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Homeowners (HO-A)

■ ■ ■■■ ■ ■ ■■■

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Foremost Insurance Group

Jewelry & Fur Floaters

Roush Insurance Services Inc. RT Specialty Sovereign Group Int’l Inc. US Assure

High-Value Dwellings

J.E. Brown & Associates Markel Personal Lines New England Excess Exchange

High Valued Homeowners

Homeowners (HO-3)

Homeowners (HO-A/HO-B)

Integrated Specialty Coverages (ISC)

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

RPS

Gorst & Compass Insurance

FTP Inc.

Earthquake

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Flood Risk Solutions Inc.

■ ■ ■■■ ■ ■ ■■■

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

Historic Homes ■ ■ ■■■ ■ ■ ■■■

(Italicized companies offer binding authority.)

■ Not Available

Foremost Insurance Group

Dwelling Fire (TDP-1) ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

■ West

Legend:

■ East

■ Midwest

■ Southeast

■ Texas/South Central

Convenience Stores

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Braishfield Associates, a div of Hull & Company LLC

Covenant Underwriters Executive Insurance Professionals, PLLC

Joseph Krar & Associates Inc. Nautilus Insurance Co. & Great Divide Ins. Co.

Courier/Messenger Service ■ ■ ■■■

Risk Strategies, Transportation Group

Day Care Centers/Nurseries

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Ascendant Insurance Solutions Indemnity Excess & Surplus Agency Inc.

Joseph Krar & Associates Inc. Nautilus Insurance Co. & Great Divide Ins. Co.

Nonprofits Insurance Alliance

River Valley Underwriters Inc. Roush Insurance Services Inc.

RPS

USASIA Insurance Services Western Surplus Lines Agency Inc.

Detective/Patrol Liability

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

AMIS/Alliance Marketing & Insurance Services LLC Costanza Insurance Agency Inc.

Izzo Insurance Services, A Div of Hull & Company LLC Joseph Krar & Associates Inc.

Dry Cleaners ■ ■ ■■■

Arrowhead General Insurance Agency Inc.

Exterminators ■ ■ ■■■ ■ ■ ■■■

Brownyard Group Joseph Krar & Associates Inc.

2024 Specialty Markets Directory, Winter Edition

Firearm Dealers ■ ■ ■■■ ■ ■ ■■■

Joseph Chiarello & Co ; Firearms Business Insurance

Kinsale Insurance Company

Health Clubs

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

American Specialty Insurance & Risk Services Inc. Indemnity Excess & Surplus Agency Inc. Joseph Krar & Associates Inc.

Nationwide

Nautilus Insurance Co. & Great Divide Ins. Co. Sports & Fitness Insurance Corporation (SFIC)

Nonprofits Insurance Alliance Sapphire Blue RPS Technology & Cyber

RPS

Sun Coast General Insurance Agency KF&B Program Managers Insurance Services National Indemnity Company

Norman-Spencer International Inc. RPS

Pawn Shops ■ ■ ■■■ ■ ■ ■■■

McLeckie Insurance Group

Philadelphia Insurance Companies

Recycling Centers ■ ■ ■■■

UFG Specialty

Residential Care Facilities ■ ■ ■ ■ ■ Irwin Siegel Agency

■ ■ ■■■ ■ ■ ■■■

James River Insurance Company Nonprofits Insurance Alliance

Restaurants

New England Excess Exchange

Pacific Excess Insurance Marketing

Philadelphia Insurance Companies Roush Insurance Services Inc. The McGowan Companies

Self Storage ■ ■ ■■■

PartnerOne Environmental

Service Stations ■ ■ ■■■ ■ ■ ■■■

Joseph Krar & Associates Inc. Pacific Excess Insurance Marketing

Shopping Centers

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

AF Group

Quirk & Company

Brecht & Associates

Ascendant Insurance Solutions Gateway Specialty Insurance Hull & Company

Irwin Siegel Agency

James River Insurance Company Negley Associates

Nonprofits Insurance Alliance Coastal Brokers Insurance Services Inc. Eaton Professional Insurance Services RPS Technology & Cyber

Staffing Firms

Arrowhead General Insurance Agency Inc. Atlas General Insurance Services, An RPS Company

Berkley Select | a Berkley Company Coastal Brokers Insurance Services Inc. IAT Insurance Group Integrated Specialty Coverages (ISC) IPC

James River Insurance Company Joseph Krar & Associates Inc. McLeckie Insurance Group Novatae Risk Group

Philadelphia Insurance Companies Quirk & Company River Valley Underwriters Inc.

RPS

Specialty Insurance The McGowan Companies Western Surplus Lines Agency Inc.

48 | INSURANCE JOURNAL January 22, 2024

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Amwins - 150+ Locations Worldwide RPS Healthcare

RPS Technology & Cyber U.S. Risk LLC World Wide Specialty, a Div of Philadelphia Ins. Co’s Donald Gaddis Co. Inc. Insurance Services Joseph Krar & Associates Inc. Professional Program Ins. Brokerage, a Div of SPG

Tattooing & Body Piercing

■ ■ ■■■ ■ ■ ■■■

Joseph Krar & Associates Inc. Professional Program Ins. Brokerage, a Div of SPG

Valet Parking Companies

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Gorst & Compass Insurance

Smart Choice Express Markets U.S. Risk LLC

Special Events Liability Event Cancellation

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

BUA LLC

Gateway Specialty Insurance

Integrated Specialty Coverages (ISC)

Markel Personal Lines

One-Day Special Events

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

BUA LLC

Charity First Insurance Services Inc. First Choice Ins Intermediaries

Gorst & Compass Insurance Integrated Specialty Coverages (ISC) Irwin Siegel Agency

James River Insurance Company Jencap - Locations Nationwide www.insurancehelper.com

Promotional Contests ■ ■ ■■■ ■ ■ ■■■

BUA LLC

Jencap - Locations Nationwide

Special Events

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Kinsale Insurance Company

Markel Personal Lines

McGowan Allied Specialty Insurance

MexiPass International Insurance Services LLC Nationwide

Nautilus Insurance Co. & Great Divide Ins. Co.

New England Excess Exchange Nonprofits Insurance Alliance

Quirk & Company River Valley Underwriters Inc.

RPS

USASIA Insurance Services

Western Surplus Lines Agency Inc. www.insurancehelper.com

Third Party Property Damage

Software, Internet & Computer Consulting Co

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Joseph Krar & Associates Inc.

Philadelphia Insurance Companies

Social Service Risks

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Integrated Specialty Coverages (ISC) Irwin Siegel Agency

J.E. Brown & Associates James River Insurance Company Jencap - Locations Nationwide

Spectators

Joseph Krar & Associates Inc. McLeckie Insurance Group

Smoke/Vape Shops ■ ■ ■■■

James River Insurance Company

Tanning Salons

Limousines

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Aspera Insurance IPC McLeckie Insurance Group

Negley Associates

Founders Professional

Jewelers Block

■ ■ ■■■ ■ ■ ■■■

Arrowhead General Insurance Agency Inc.

Ascendant Insurance Solutions

Care Providers Insurance Services

Internet Risks ■ ■ ■■■

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

(Italicized companies offer binding authority.)

■ Not Available

Retail Stores

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Sports & Wellness Insurance

Hospice (Medical & Non Medical)

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

■ West

All Solutions PBS LLC American Specialty Insurance & Risk Services Inc. Amwins - 150+ Locations Worldwide

Ashley General Agency Braishfield Associates, a div of Hull & Company LLC

Builders & Tradesmen’s Ins. Services Inc. (BTIS) Charity First Insurance Services Inc. DeCotis Specialty Insurance Executive Insurance Professionals, PLLC First Choice Ins Intermediaries Gateway Specialty Insurance

■ ■ ■■■ ■ ■ ■■■

www.insurancehelper.com

Markel Personal Lines

Sports & Recreation Amateur Sports

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

American Specialty Insurance & Risk Services Inc. Charity First Insurance Services Inc. Jencap - Locations Nationwide Lefebvre Insurance LLC

Smart Choice Express Markets Sports & Wellness Insurance www.insurancehelper.com

Amusement Parks/Fairgrounds

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

American Specialty Insurance & Risk Services Inc. Jencap - Locations Nationwide McGowan Allied Specialty Insurance

Philadelphia Insurance Companies

Sun Coast General Insurance Agency

Auto Racing ■ ■ ■■■

American Specialty Insurance & Risk Services Inc.

Bowling Centers

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American Specialty Insurance & Risk Services Inc. Joseph Krar & Associates Inc. McGowan Allied Specialty Insurance

Smart Choice Express Markets

Childrens Summer Camps

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Lefebvre Insurance LLC

Smart Choice Express Markets

Sports & Fitness Insurance Corporation (SFIC)

Sports & Wellness Insurance

Driving Ranges ■ ■ ■■■ ■ ■ ■■■

McGowan Allied Specialty Insurance

Philadelphia Insurance Companies

Dude Ranches ■ ■ ■■■

McGowan Allied Specialty Insurance

Fitness Centers

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Smart Choice Express Markets

Sports & Fitness Insurance Corporation (SFIC)

Sports & Wellness Insurance

Golf Courses

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Coastal Insurance Underwriters Inc.

Philadelphia Insurance Companies Smart Choice Express Markets

Gymnastics Studios, Martial Arts & Dance Schools

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American Specialty Insurance & Risk Services Inc. Joseph Krar & Associates Inc. Sports & Fitness Insurance Corporation (SFIC)

Sports & Wellness Insurance

Motor Sports ■ ■ ■■■

Museums

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

American Specialty Insurance & Risk Services Inc. American Specialty Insurance & Risk Services Inc. Care Providers Insurance Services

Nonprofits Insurance Alliance

Outfitters & Guides

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Ashley General Agency Aspera Insurance Coastal Brokers Insurance Services Inc. McGowan Allied Specialty Insurance

Nationwide

www.insurancejournal.com

Professional Sports ■ ■ ■■■

American Specialty Insurance & Risk Services Inc.

Riding Stables ■ ■ ■■■

Rodeos

■ ■ ■■■

McGowan Allied Specialty Insurance McGowan Allied Specialty Insurance

Shooting Ranges

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Aspera Insurance

Joseph Chiarello & Co ; Firearms Business Insurance

Skating Rinks ■ ■ ■■■

American Specialty Insurance & Risk Services Inc.

Ski Area Liability/Special Events Liability ■ ■ ■■■

McGowan Allied Specialty Insurance

Sporting Camps - League

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Lefebvre Insurance LLC

Nationwide

Sports & Fitness Insurance Corporation (SFIC)

Sports & Wellness Insurance www.insurancehelper.com

Sporting Events

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American Specialty Insurance & Risk Services Inc. James Klein Insurance Lefebvre Insurance LLC Sports & Fitness Insurance Corporation (SFIC)

Sports & Wellness Insurance www.insurancehelper.com

Sports Facilities

American Specialty Insurance & Risk Services Inc. James River Insurance Company Sports & Wellness Insurance

Theme Parks

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American Specialty Insurance & Risk Services Inc. McGowan Allied Specialty Insurance

Trap & Skeet Shooting Clubs ■ ■ ■■■ ■ ■ ■■■

Joseph Chiarello & Co ; Firearms Business Insurance Sun Coast General Insurance Agency

Winter Recreational Activities ■ ■ ■ ■ ■ Aspera Insurance ■ ■ ■■■

Sun Coast General Insurance Agency

Workers’ Compensation Excess Reinsurance Workers Comp

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Apex Boston Insurance Brokerage LLC Gray Specialty Midwest Employers Casualty

Maritime Employers Liability (MEL)

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USL&H

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Amwins - 150+ Locations Worldwide

Amwins - 150+ Locations Worldwide Arrowhead General Insurance Agency Inc. Ascendant Insurance Solutions Bass Underwriters Boston Insurance Brokerage LLC

Braishfield Associates, a div of Hull & Company LLC Builders & Tradesmen’s Ins. Services Inc. (BTIS) Coastal Insurance Underwriters Inc. Comp Solutions Network Inc.

Continental Underwriters Inc. Executive Insurance Professionals, PLLC FTP Inc. Integrated Specialty Coverages (ISC) Izzo Insurance Services, A Div of Hull & Company LLC Jencap - Locations Nationwide Legacy Employer Concepts LLC LIG Marine Managers

McLeckie Insurance Group Mover’s Choice Insurance NBIS Negley Associates Novatae Risk Group

Omaha National

RMC Group

Shield Commercial Insurance Services

Sun Coast General Insurance Agency Target Managers Insurance Services

Texas Mutual Insurance Co. U.S. Risk LLC USASIA Insurance Services USG Insurance Services Inc. World Wide Specialty, a Div of Philadelphia Ins. Co’s

Workers’ Comp - Alternative Workers Comp ■ ■ ■■■ ■ ■ ■■■

Gray Specialty

Jencap - Locations Nationwide

Workers’ Comp - Auto Related Business

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Boston Insurance Brokerage LLC Jencap - Locations Nationwide KF&B Program Managers Insurance Services Risk Strategies, Transportation Group RT Specialty Target Managers Insurance Services

Workers’ Comp - High Hazard

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Izzo Insurance Services, A Div of Hull & Company LLC Jencap - Locations Nationwide Jimcor Agencies MAXIMUM

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Izzo Insurance Services, A Div of Hull & Company LLC Jencap - Locations Nationwide Legacy Employer Concepts LLC LIG Marine Managers Novatae Risk Group Texas Mutual Insurance Co. The American Equity Underwriters Inc. U.S. Risk LLC

www.insurancejournal.com

• Experience-rated business • Premium up to $2,000,000 • High mods accepted AZ • CA • CT • GA • IL • NC • NE • NJ • NY • PA • SC

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

Global Special Risks Gray Specialty

Workers’ Comp - PEO

Amwins - 150+ Locations Worldwide Ascendant Insurance Solutions Jencap - Locations Nationwide Legacy Employer Concepts LLC

Workers’ Comp - Small Business

Comp Solutions Network Inc. Global Special Risks

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:

Jencap - Locations Nationwide

U.S. Risk LLC

Amwins - 150+ Locations Worldwide

• 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

Workers’ Comp - Oil & Gas

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

LIG Marine Managers Texas Mutual Insurance Co.

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

Novatae Risk Group

James River Insurance Company Jencap - Locations Nationwide

Global Special Risks

WORKERS COMPENSATION INSURANCE

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Agency Underwriters

CID Insurance Programs Inc. Izzo Insurance Services, A Div of Hull & Company LLC Jencap - Locations Nationwide Legacy Employer Concepts LLC Shield Commercial Insurance Services

Workers’ Comp - Truckers and Transportation

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Agency Underwriters Gray Specialty

Izzo Insurance Services, A Div of Hull & Company LLC Jencap - Locations Nationwide Legacy Employer Concepts LLC MAXIMUM True Transport Insure

January 22, 2024 INSURANCE JOURNAL | 49

2024 Specialty Markets Directory, Winter Edition

■ ■ ■■■ ■ ■ ■■■ ■ ■ ■■■

Workers’ Comp ■ ■ ■ ■ ■ AMERISAFE

Alphabetical Directory of Intermediaries and Carriers 5Star Specialty Programs

See Website for Addresses, Headquarters - Melbourne, FL 32935 Phone: (877) 247-9772, Fax: (321) 757-6147 E-mail: marketing@5starsp.com www.5starsp.com MGA, Lloyd’s Correspondent, Managing Underwriter

Access E&S Insurance Services

2001 N. Lincoln St., Arlington, VA 22207 Phone: (703) 248-2566, Fax: (703) 248-2565 E-mail: Tim@Access-ES.com www.Access-ES.com A Licensed Surplus Broker, Lloyd’s Correspondent

Access One80

1773 S. 8th St., Ste. 200, Colorado Springs, CO 80905 Phone: (855) 900-2960, Fax: (719) 623-4699 E-mail: submissions@bigfootbinds.com accessone80.com MGA, A Licensed Surplus Broker

Addiction Treatment Providers Insurance Program

555 E. North Lane, Ste. 6060, Conshohocken, PA 19428 Phone: (610) 808-9556 E-mail: nsmmarketing@nsminc.com atpinsure.com MGA, A Licensed Surplus Broker, Managing Underwriter

Admiral Insurance Group P.O. Box 5430, Mount Laurel, NJ 08054 Phone: (512) 721-2446, Fax: (856) 429-8611 E-mail: mhowey@admiralins.com www.admiralins.com Managing Underwriter

AF Group

200 N. Grand Ave., Lansing, MI 48901 Phone: (517) 780-5625 E-mail: AgencyRelations@AFGroup.com www.AFGroup.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

Agency Underwriters

Po Box 4021, Chattanooga, TN 37405 Phone: (423) 206-4900 E-mail: info@agencyunderwriters.com www.agencyunderwriters.com Managing Underwriter

Agentic Insurance LLC

900 W. Valley Forge Rd., King of Prussia, PA 19406 Phone: (610) 567-3333, Fax: (610) 567-3334 E-mail: tkatona@agenticins.com www.agenticins.com A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

Agricultural Insurance Mgmt Services 1496 Route 3A, Ste. 10, Bow, NH 03278 Phone: (877) 552-2467, Fax: (603) 225-9318 E-mail: jlp@aimscentral.com www.aimscentral.com Managing General Agency

All Solutions PBS LLC

17 Village Rd., Ste. 176, Morristown, NJ 07976 Phone: (888) 376-5884, Fax: (888) 726-6638 E-mail: Info@AllSolutionsPBS.com www.AllSolutionsPBS.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent

Allsouth Professional Liability

9800 4th Street N, Ste. 400, St. Petersburg, FL 33702 Phone: (800) 913-9260, Fax: (813) 282-0994 E-mail: info@allsouth.net www.allsouth.net MGA, A Licensed Surplus Broker, Managing Underwriter

50 | INSURANCE JOURNAL January 22, 2024

Amalgamated Insurance Underwriters For more info, check our ad on page 29 (National). 1 Paragon Dr., Ste. 200 Montvale, NJ 07645 Phone: (845) 426-0400 E-mail: hello@aiu-usa.com www.aiu-usa.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

American Collectors Insurance Inc. 951 Haddonfield Rd., Ste. 2A, Cherry Hill, NJ 08002 Phone: (888) 314-6647, Fax: (856) 755-7440 E-mail: info@americancollectors.com americancollectors.com

American Management Corporation

1109 Oak Street, Conway, AR 72032 Phone: (855) 458-2835, Fax: (501) 932-3135 E-mail: submissions@amcins.com www.amcinsurance.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

American Risk Management Resources Network 525 Junction Rd., Ste. 8200, Madison, WI 53717 Phone: (877) 735-0800, Fax: (608) 836-9565 E-mail: Marketing@armr.net www.armr.net MGA, A Licensed Surplus Broker

Applied Financial Lines

1120 6th Ave., 21st Fl, New York, NY 10036 Phone: (443) 534-6060, Fax: (877) 234-4425 E-mail: tdowen@auw.com www.afl.auw.com MGA, A Licensed Surplus Broker

ARC West Coast Excess & Surplus Brokerage 260 S. Los Robles Ave., Ste. 205, Pasadena, CA 91101 Phone: (626) 584-5050, Fax: (626) 584-5010 E-mail: shunt@arcxswest.com www.arcbrokers.com A Licensed Surplus Broker

Arrowhead General Insurance Agency Inc. 701 B St., Ste. 2100, San Diego, CA 92101 Phone: (800) 669-1889, Fax: (619) 881-8695 E-mail: MarketingInfo@ArrowheadGrp.com www.ArrowheadGrp.com A Licensed Surplus Broker, Managing Underwriter

Ascendant Insurance Solutions

2199 Ponce de Leon Blvd., Ste. 500, Coral Gables, FL 33134 Phone: (305) 820-4360, Fax: (305) 820-4348 E-mail: marketing@ascendantgroup.com www.ascendantgroup.com MGA, A Licensed Surplus Broker, Managing Underwriter

American Specialty Insurance & Risk Services Inc. 7609 W. Jefferson Blvd., Ste. 100, Fort Wayne, IN 46804 Phone: (800) 245-2744, Fax: (260) 969-4729 E-mail: bschall@americanspecialty.com www.americanspecialty.com MGA, A Licensed Surplus Broker, Managing Underwriter

AMERISAFE

2301 Hwy 190 W, DeRidder, LA 70634 Phone: (800) 256-9052 E-mail: asksales@amerisafe.com www.amerisafe.com

AMIS/Alliance Marketing & Insurance Services LLC P.O. Box 567, San Marcos, CA 92079 Phone: (760) 471-7116, Fax: (760) 471-9378 E-mail: snowell@amiscorp.com www.amisinsurance.com A Licensed Surplus Broker

Amwins - 150+ Locations Worldwide For more information, check out our ad on page 17 (National). See Website for Locations, Headquarters - Charlotte, NC 28210 Phone: (704) 749-2700, Fax: (704) 943-9000 E-mail: marketing@amwins.com www.amwins.com MGA, A Licensed Surplus Broker

Ascinsure Specialty Risk

4 Gateway Ctr, 444 Liberty Ave, Ste. 400, Pittsburgh, PA 15222 Phone: (877) 372-0517, Fax: (888) 316-9016 E-mail: Rikki_Concannon@rpsins.com www.ascinsure.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter Ascinsure can write your hard-to-place risks in these niche areas: Cranes- Exclusive Program; Equipment Rental & Party Goods Dealers- Exclusive Program; Scaffolding- Exclusive Program; Inland Marine. Complete coverage options, knowledgeable staff, and competitive commissions.

Ashley General Agency

2040 N. Loop 336 W, Ste. 200, Conroe, TX 77304 Phone: (936) 441-5959, Fax: (936) 521-5922 E-mail: hnelson@ashleyga.com www.ashleyga.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent

Anderson & Murison Inc.

800 W. Colorado Blvd., Los Angeles, CA 90041 Phone: (323) 255-2333, Fax: (323) 255-0957 E-mail: dena.martin@monarchexcess.com www.andersonmurison.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

Aon Edge

1327 Highway 2W, Kalispell, MT 59901 Phone: (707) 416-1725 E-mail: clyde.smith@aon.com www.AonEdge.com

Apex

18545 Sigma Road, San Antonio, TX 78258 Phone: (210) 887-1064 E-mail: hughes@apexinsurance.com www.apexinsurance.com MGA, A Licensed Surplus Broker, Managing Underwriter

Aspera Insurance

2035 Maywill St., Ste. 100, Richmond, VA 23230 Phone: (804) 774-2101, Fax: (804) 673-5697 E-mail: marketing@asperains.com www.asperains.com MGA, A Licensed Surplus Broker, Managing Underwriter Aspera makes the hard-to-insure easy to please. When agents struggle with hard-to-insure coastal manufactured housing and commercial risks for small and mid-sized businesses, we deliver quick quotes, tailored pricing and terms, and competitive compensation. Aspera Insurance Services, Inc. is a licensed excess & surplus lines wholesale broker.

www.insurancejournal.com

Alphabetical Directory of Intermediaries and Carriers Atlas General Insurance Services, An RPS Company

6165 Greenwich Dr., Ste. 200, San Diego, CA 92122 Phone: (858) 724-5100, Fax: (858) 724-5280 E-mail: marketing@atlas.us.com atlas.us.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

Balance Partners - Maven

PO Box 2550, Huntington, NY 11750 Phone: (512) 923-6278 E-mail: cjacobs@balanceuw.com www.balanceuw.com/maven MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

Bass Underwriters

6951 W. Sunrise Blvd., Plantation, FL 33313 Phone: (954) 473-4488, Fax: (954) 317-3100 E-mail: marketing@bassuw.com www.bassuw.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

Beacon Hill Associates

Charity First Insurance Services Inc.

595 Market St., Ste. 2100, San Francisco, CA 94105 Phone: (800) 352-2761 E-mail: Frank_Tarantino@charityfirst.com www.charityfirst.com MGA, A Licensed Surplus Broker, Managing Underwriter

Brecht & Associates

1450 Hughes Rd, Ste. 109, Grapevine, TX 76051 Phone: (817) 424-5335, Fax: (817) 424-3772 E-mail: jbrecht@brechtassoc.com www.brechtassoc.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter Brecht & Associates is a managing general agency serving agents in Texas, Oklahoma, and Arkansas specializing in insuring risks with unique characteristics. Independently owned & operated, our goal is to assist retail agents by providing access to a full range of products to meet the needs of their clients.

Breckenridge Insurance

P.O. Box 1532, Charlottesville, VA 22902 Phone: (800) 596-2156, Fax: (434) 979-8964 E-mail: info@b-h-a.com b-h-a.com MGA, A Licensed Surplus Broker, Managing Underwriter

3550 George Busbee Pkwy NW, Ste. 300, Kennesaw, GA 30144 Phone: (855) 728-8822 E-mail: solved@breckis.com www.breckis.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

Berkley Fire & Marine

Bristol West Insurance Group

425 North Martingale Rd., Ste. 1520, Schaumburg, IL 60173 Phone: (844) 462-3600 E-mail: marketing@berkleymarine.com www.berkleymarine.com

Berkley Select | a Berkley Company 550 W. Jackson Blvd., Ste. 500, Chicago, IL 60661 Phone: (312) 800-6200, Fax: (312) 207-1839 E-mail: info@berkleyselect.com www.berkleyselect.com

PO Box 31029, Independence, OH 44131 Phone: (800) 237-6136 E-mail: foremostinsurancegroup@foremost.com acm@foremost.com

Brooks Insurance Agency

6320 Canoga Ave., 12th Fl, Woodland Hills, CA 91367 Phone: (818) 449-9062 E-mail: mmccluskey@brooks-ins.com www.brooks-ins.com MGA, A Licensed Surplus Broker

Brownyard Group

21 Maple Ave., P.O. Box 9175, Bay Shore, NY 11706 Phone: (800) 645-5820, Fax: (631) 666-5723 E-mail: info@brownyard.com www.brownyard.com MGA, Managing Underwriter

Boston Insurance Brokerage LLC

28 State St., Ste. 2202, Boston, MA 02109 Phone: (617) 556-7038, Fax: (617) 556-7070 E-mail: CMacDonald@bib-llc.com www.bib-llc.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

BUA LLC

22 Deer St., Ste. 400, Portsmouth, NH 03801 Phone: (603) 772-5005, Fax: (603) 372-5990 E-mail: msamperi@buainsurance.com www.buainsurance.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

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

6610 Sierra College Blvd., Rocklin, CA 95677 Phone: (877) 649-6682, Fax: (916) 772-9292 E-mail: info@btisinc.com www.btisinc.com A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

Braishfield Associates, a div of Hull & Company LLC

5750 Major Blvd., Ste. 200, Orlando, FL 32819 Phone: (888) 335-6616, Fax: (888) 335-6615 E-mail: solutions@braishfield.com www.braishfield.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent

www.insurancejournal.com

Canon Insurance Service

8383 Wilshire Blvd., Ste. 341, Beverly Hills, CA 90211 Phone: (310) 859-8600, Fax: (310) 278-3617 www.CanonInsurance.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

Care Providers Insurance Services

19111 N. Dallas Pkwy, Ste. 250, Dallas, TX 75287 Phone: (972) 427-4199 E-mail: nsmmarketing@nsminc.com cpsinsure.com MGA, A Licensed Surplus Broker, Managing Underwriter

CID Insurance Programs Inc.

7125 El Cajon Blvd., Ste. 3, San Diego, CA 92115 Phone: (800) 922-7283, Fax: (619) 593-2008 E-mail: programs@cidinsurance.com www.cidinsurance.com MGA, A Licensed Surplus Broker, Managing Underwriter

Coastal Brokers Insurance Services Inc.

6602 Owens Drive Suite 300, Pleasanton, CA 94588 Phone: (925) 277-1090, Fax: (925) 277-1154 E-mail: matthew.speed@futuristicunderwriters.com coastalbrokersins.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

Coastal Insurance Underwriters Inc.

P.O. Box 3140, Ponte Vedra Beach, FL 32004 Phone: (904) 285-7683, Fax: (904) 395-0038 E-mail: info@ciuins.com www.ciuins.com MGA, A Licensed Surplus Broker, Managing Underwriter

Commercial Sector Insurance Brokers LLC

500 Corporate Pkwy, Ste. 200-G, Hoover, AL 35242 Phone: (205) 776-1600, Fax: (205) 776-1619 E-mail: bbleistine@comsectorins.com www.comsectorins.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

Comp Solutions Network Inc.

7135 W. Tidwell, Bldg M., Ste. 112A, Houston, TX 77092 Phone: (713) 690-3500, Fax: (713) 690-8484 E-mail: diannef@compsolutionsnetwork.com www.compsolutionsnetwork.com MGA, A Licensed Surplus Broker

Concorde General Agency

720 28th St. S, Fargo, ND 58103 Phone: (701) 361-9951, Fax: (701) 361-9951 E-mail: scott@cgains.com www.cgains.com A Licensed Surplus Broker, Lloyd’s Correspondent

Continental Underwriters Inc.

3435-A W. Leigh Street, Richmond, VA 23230 Phone: (804) 643-7800, Fax: (804) 643-5800 E-mail: info@contund.com www.contund.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

Cooper & McCloskey Inc. 1981 N. Broadway, Ste. 340, Walnut Creek, CA 94596 Phone: (415) 433-7700, Fax: (415) 433-7707 E-mail: keltie@cmiprorisk.com www.cmiprorisk.com A Licensed Surplus Broker

Cosmetic Insurance Services, a division of EPIC Brokers

For more information, check out our ad on page 27 (National). 210 Hudson St., 6th Fl, Jersey City, NJ 07311 Phone: (201) 356-0057, Fax: (201) 356-0055 E-mail: Kenneth.hegel@epicbrokers.com www.cosmeticinsurance.com MGA, A Licensed Surplus Broker, Managing Underwriter

January 22, 2024 INSURANCE JOURNAL | 51

Alphabetical Directory of Intermediaries and Carriers Legend:

■ East

■ Midwest

■ Southeast

■ Texas/South Central

■ West

(Italicized companies offer binding authority.)

■ Not Available

Costanza Insurance Agency Inc.

Erickson-Larsen Inc.

Freberg Environmental Inc.

Covenant Underwriters

Euclid Life Science Specialty LLC

FTP Inc.

See Website for Locations, Birminham, AL 35209 Phone: (205) 870-7790, Fax: (205) 879-3739 E-mail: marketing@crcins.com www.crcins.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

Exceptional Risk Advisors LLC

Gateway Specialty Insurance

DeCotis Specialty Insurance

Executive Insurance Professionals, PLLC

Global Special Risks

Distinguished Programs

First Choice Ins Intermediaries

Gorst & Compass Insurance

Donald Gaddis Co. Inc. Insurance Services

Flood Risk Solutions Inc.

Gray Specialty

3010 LBJ Freeway, Ste. 950, Dallas, TX 75234 Phone: (800) 346-0942, Fax: (972) 991-2139 E-mail: b.costanza@cia-tx.com www.costanzainsurance.com MGA, A Licensed Surplus Broker, Managing Underwriter 1221 McKinney St., Ste. 3110, Houston, TX 77010 Phone: (346) 330-3777 E-mail: broker@covenantunderwriters.com www.covenantunderwriters.com

CRC Insurance Services

245 Waterman St., Ste. 501, Providence, RI 02906 Phone: (401) 351-0066, Fax: (401) 351-0386 E-mail: tdecotis@decotis.com www.decotis.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent 1180 Avenue of the Americas, 16th Fl, New York, NY 10036 Phone: (212) 297-3100, Fax: (212) 297-3130 E-mail: jsafer@distinguished.com www.distinguished.com MGA, A Licensed Surplus Broker

21 S. Evergreen Ave., Ste 220, Arlington Hts., IL 60005 Phone: (312) 853-0071, Fax: (312) 853-1033 E-mail: cgaddis@gaddiscompany.com www.gaddiscompany.com A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

Eaton Professional Insurance Services 17602 17th St., Ste. 102-120, Tustin, CA 92780 Phone: (714) 832-8649, Fax: (714) 832-2586 E-mail: c.eaton@episi.net www.episi.net A Licensed Surplus Broker, Lloyd’s Correspondent

6425 Sycamore Court No., Maple Grove, MN 55369 Phone: (763) 535-0055, Fax: (763) 535-4051 E-mail: pbloch@ericksonlarseninc.com www.ericksonlarseninc.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent 234 Spring Lake Drive, Itasca, IL 60143 Phone: (443) 682-0102 E-mail: RElliott@EuclidLSS.com www.EuclidLSS.com MGA, Managing Underwriter

1 International Blvd., Ste. 750, Mahwah, NJ 07495 Phone: (866) 512-0444, Fax: (201) 512-0221 E-mail: info@exceptionalriskadvisors.com www.exceptionalriskadvisors.com A Licensed Surplus Broker, Managing Underwriter 6031 W. Interstate 20, Ste. 249, Arlington, TX 76017 Phone: (800) 779-4095, Fax: (866) 779-4331 E-mail: cheryl@execins.com www.execins.com A Licensed Surplus Broker, Lloyd’s Correspondent 822 A1A North, Ste. 310, Ponte Vedra Beach, FL 32082 Phone: (866) 821-9572, Fax: (904) 543-4501 E-mail: info@firstchoiceii.com www.firstchoiceii.com MGA, A Licensed Surplus Broker 360 Central Ave., Ste. 1260, St Petersburg, FL 33701 Phone: (727) 256-1991 E-mail: phil@floodsol.com www.floodsol.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

Flow Insurance Services

548 Market St PMB90420, San Francisco, CA 94104 Phone: (855) 368-5502 E-mail: info@flowinsurance.com www.flowinsurance.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

eKo Specialty Insurance Services Inc. PO Box 3365, Thousand Oaks, CA 91362 Phone: (805) 373-6968, Fax: (805) 373-7070 E-mail: eKo@eKoSpecialty.com www.eKoSpecialty.com A Licensed Surplus Broker

Element22 Insurance Services

Foremost Insurance Group

For more information, check out our ad on page 15 (National). 5600 Beech Tree Ln. SE, Caledonia, MI 49316 Phone: (800) 237-6136 E-mail: acm@foremost.com www.foremostagent.com

Embroker

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

Equine Insurance Specialists LLC P.O. Box 12440, Lexington, KY 40583 Phone: (800) 723-9414, Fax: (866) 207-6953 E-mail: info@insureyourhorse.com www.insureyourhorse.com Managing General Agency

52 | INSURANCE JOURNAL January 22, 2024

131 White Oak Lane, Old Bridge, NJ 08857 Phone: (732) 679-3700 E-mail: hdiamandis@ftpins.com www.ftpins.com MGA, A Licensed Surplus Broker 1170 Devon Park Drive, Wayne, PA 19087 Phone: (877) 977-4474, Fax: (610) 254-1855 E-mail: info@gatewayspecialty.com www.gatewayspecialty.com A Licensed Surplus Broker

9821 Katy Fwy, Ste. 750, Houston, TX 77024, Houston, TX 77024 Phone: (713) 260-1030, Fax: (713) 952-3978 E-mail: gsr@gsrum.com gsrum.com Managing Underwriter 5850 Canoga Ave., Ste. 650, Woodland Hills, CA 91367 Phone: (818) 507-0900, Fax: (818) 507-1133 E-mail: mail@gorstcompass.com www.gorstcompass.com MGA, A Licensed Surplus Broker 3601 N. I-10 Service Road W, Metairie, LA 70002 Phone: (504) 754-6701 E-mail: rswayze@grayspecialty.com www.grayspecialty.com

Great American Risk Solutions 301 East 4th Street, Cincinnati, OH 45202 Phone: (513) 579-6318 E-mail: kenderle@gaig.com www.greatamericaninsurancegroup.com

Gridiron Insurance Underwriters Inc. 261 N. University Dr., Ste 510, Plantation, FL 33324 Phone: (954) 331-3000 E-mail: ddemott@gridironins.com www.gridironins.com Managing Underwriter

Grundy Insurance

3000 Gulf to Bay Blvd., Ste. 600, Clearwater, FL 33759 Phone: (877) 591-8283 E-mail: dapplebaum@element22ins.com www.element22ins.com MGA, A Licensed Surplus Broker 5214F Diamond Heights Blvd., San Francisco, CA 94131 Phone: (844) 436-2765 E-mail: brokers@embroker.com www.embroker.com Managing General Agency

1800 Wazee St., Ste. 300, Denver, CO 80202 Phone: (800) 377-4152, Fax: (303) 623-8101 E-mail: info@feiinsurance.com www.feiinsurance.com MGA, Managing Underwriter

Founders Professional

2038 1st Avenue South, St. Petersburg, FL 33712 Phone: (727) 498-6503, Fax: (727) 498-6506 E-mail: fpinfo@founderspro.com www.founderspro.com A Licensed Surplus Broker, Lloyd’s Correspondent

P.O. Box 1957, Horsham, PA 19044 Phone: (877) 338-4004, Fax: (215) 674-5716 E-mail: clint@grundy.com www.grundy.com/utility Managing General Agency

HabPro Insurance

555 E. North Lane, Ste. 6060, Conshohocken, PA 19428 Phone: (610) 808-9556 E-mail: nsmmarketing@nsminc.com habproinsurance.com MGA, A Licensed Surplus Broker

Hinterland Insurance

4601 DTC Blvd., Ste. 250, Denver, CO 80237 Phone: (314) 496-7077 E-mail: info@hinterlandins.com www.hinterlandins.com MGA, A Licensed Surplus Broker, Managing Underwriter

Hudson Insurance Group / Hudson Pro (TM)

100 William St., 5th Fl, New York, NY 10038 Phone: (212) 978-2800 E-mail: MSutton@HudsonInsGroup.com www.hudsoninsgroup.com

www.insurancejournal.com

Alphabetical Directory of Intermediaries and Carriers Hull & Company

www.hullco.com for all locations, Fort Lauderdale, FL 33020 Phone: (954) 527-4855, Fax: (866) 449-8449 www.hullco.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent

IAT Insurance Group

4200 Six Forks Road, Raleigh, NC 27609 Phone: (919) 833-1600 E-mail: info@iatinsurance.com www.iatinsurancegroup.com

Indemnity Excess & Surplus Agency Inc. 1915 NE Stucki Ave., Ste. 450, Hillsboro, OR 97006 Phone: (800) 487-2442, Fax: (503) 526-9700 E-mail: jimh@ies-xs.com www.ies-xs.com A Licensed Surplus Broker

Integrated Specialty Coverages (ISC) 1811 Aston Ave., Ste. 200, Carlsbad, CA 92008 Phone: (908) 723-8559 E-mail: contact@iscmga.com www.iscmga.com MGA, Managing Underwriter

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

Jencap Specialty Insurance Services (Environmental)

J.E. Brown & Associates

Jencap Specialty Insurance Services - Buffalo

14241 Dallas Pkwy, Ste. 850, Dallas, TX 75254 Phone: (972) 248-2433, Fax: (972) 248-7077 E-mail: eboisseau@lloyd-ins.com www.lloyd-ins.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter 303 Lennon Ln., Walnut Creek, CA 94598 Phone: (800) 955-8213, Fax: (925) 947-3978 E-mail: marketing@jebrown.net www.jebrown.net MGA, A Licensed Surplus Broker

International Transportation & Marine Agency

7835 E. Evans Rd., Bldg 300, Scottsdale, AZ 85260 Phone: (480) 556-0200, Fax: (480) 556-0201 E-mail: info@itmagency.com www.itmagency.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

IPC

P.O. Box 1150, Gardnerville, NV 89410 Phone: (775) 782-6655, Fax: (775) 782-6654 E-mail: tammy@ipc-nv.com www.ipc-nv.com MGA, A Licensed Surplus Broker, Managing Underwriter

200 E. Sandpointe Ave., Ste. 510, Santa Ana, CA 92707 Phone: (714) 918-0914, Fax: (714) 918-0922 E-mail: pdavis@jameskleininsurance.com A Licensed Surplus Broker

Jimcor Agencies

James River Insurance Company

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

Jamison Risk Services

20 Commerce Dr., Cranford, NJ 07016 Phone: (973) 669-2311, Fax: (973) 731-3035 E-mail: ccaruso@jamisongroup.com www.jamisongroup.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent 9390 W. Maiden Ct, Vero Beach, FL 32963 Phone: (312) 543-9451, Fax: (312) 543-9451 E-mail: jwilson.frs@gmail.com MGA, Managing Underwriter

Irwin Siegel Agency

Irwin Siegel Agency is a premier Managing General Underwriter of insurance products and risk management solutions for Human and Social Service Organizations. Our specialties include Intellectual and Developmental Disability Organizations, Addiction Treatment, Behavioral/ Mental Healthcare, and Youth Programs. We also offer high-value homeowners insurance programs.

Izzo Insurance Services, A division of Hull & Company LLC

60 Craig Rd., Montvale, NJ 07645 Phone: (201) 573-8200, Fax: (201) 573-8820 E-mail: marketing@jimcor.com www.jimcor.com MGA, A Licensed Surplus Broker

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

JC Wilson Consulting Inc.

25 Lake Louise Marie Rd., Rock Hill, NY 12775 Phone: (800) 622-8272, Fax: (845) 796-3661 E-mail: siegel@siegelagency.com www.siegelagency.com MGA, A Licensed Surplus Broker, Managing Underwriter

295 Main St., Ste. 866, Buffalo, NY 14203 Phone: (800) 333-7226, Fax: (800) 677-6779 E-mail: info.buffalo@jencapgroup.com www.jencapgroup.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent

James Klein Insurance

International Citizens Insurance 18 Shipyard Dr., Hingham, MA 02043 Phone: (617) 500-6738 E-mail: info@internationalinsurance.com www.InternationalInsurance.com MGA, A Licensed Surplus Broker

2400 E. Katella Ave., Ste. 800, Anaheim, CA 92806 Phone: (949) 534-9106 E-mail: nancy.huynh@jencapgroup.com jencapgroup.com/environmental MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

JM Wilson

For more info, check our ads on pg 8 (West), pg 2 (Southeast), and pg 1 (Midwest). 8036 Moorsbridge Rd., Portage, MI 49024 Phone: (800) 282-8113 E-mail: cbaldwin@jmwilson.com www.jmwilson.com MGA, A Licensed Surplus Broker J.M. Wilson is a third generation, family owned Managing General Agency and Surplus Lines Broker founded in 1920. We provide independent insurance agents access to ‘A’ rated carriers for Commercial Transportation, Property & Casualty, Brokerage, Marine, Personal Lines and Surety. We know insurance agents have choices and It’s our goal to establish relationships and provide the best possible experience for you to place business in the E&S marketplace.

Jencap - Locations Nationwide

See website for all locations, Corporate HQ - New York, NY 10018 Phone: (800) 892-8892 E-mail: info@jencapgroup.com www.jencapgroup.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter Independent agents countrywide rely on our specialty brokers and underwriters to place their most complex and important risks. With over 40 locations nationwide, put Jencap to work for you.

Johnson & Johnson

P.O. Box 899, Charleston, SC 29402 Phone: (843) 577-1484, Fax: (843) 577-1584 E-mail: peter.burrous@jjins.com www.jjins.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

150 S. Bloomingdale Rd., Bloomingdale, IL 60108 Phone: (800) 800-1704, Fax: (630) 582-2803 E-mail: Info@IzzoInsurance.com www.IzzoInsurance.com MGA, A Licensed Surplus Broker

www.insurancejournal.com

January 22, 2024 INSURANCE JOURNAL | 53

Alphabetical Directory of of Intermediaries and Carriers Alphabetical Directory Intermediaries and Carriers Joseph Chiarello & Co ; Firearms Business Insurance

25 DeForest Ave., Ste. 208, Summit, NJ 07901 Phone: (800) 526-2199, Fax: (908) 473-0110 E-mail: info@jcinsco.com www.guninsurance.com MGA, A Licensed Surplus Broker, Managing Underwriter

Joseph Krar & Associates Inc.

P.O. Box 580, Southington, CT 06489 Phone: (860) 628-3967, Fax: (860) 628-3969 E-mail: jkrar@jkrar.com www.jkrar.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

JSM Brokerage Insurance and Risk Management 2200 Northern Blvd., Ste. 200, East Hills, NY 11548 Phone: (954) 427-1228 E-mail: JSMMarineIns@gmail.com www.jsmbrokerage.com Managing General Agency

Kevin Davis Insurance Services

800 W. Sixth St., Ste. 1700, Los Angeles, CA 90017 Phone: (213) 833-6191, Fax: (213) 477-2057 E-mail: sherry.branson@amwins.com www.kdisonline.com MGA, A Licensed Surplus Broker, Managing Underwriter

KF&B Program Managers Insurance Services 425 W. Broadway, Ste. 308, Glendale, CA 91204 Phone: (818) 242-5100, Fax: (818) 242-6800 E-mail: czallo@kfbins.com www.kfbins.com MGA, A Licensed Surplus Broker, Managing Underwriter

LifeScienceRisk

155 N Wacker Drive, Chicago, IL 60606 Phone: (773) 741-4551, Fax: (312) 784-6002 E-mail: catherine.gill@lsrisk.com lsrisk.com Managing Underwriter 111 2nd Ave. NE, Ste. 1101, St. Petersburg, FL 33701 Phone: (727) 578-2800, Fax: (727) 578-9977 E-mail: KLT@LIGMarine.com www.LIGMarine.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

M&A Insurance Solutions LLC

Mexpro.com / NFP

M.J. Hall & Company Insurance Brokers

Midwest Employers Casualty

221 River St., 9th Fl, Hoboken, NJ 07030 Phone: (917) 656-2476 E-mail: kirk@rwpolicy.com www.rwpolicy.com A Licensed Surplus Broker

For more information, check out our ad on page 1 (West). 1550 W. Fremont Street, Stockton, CA 95203 Phone: (209) 948-8108 E-mail: michael.donahue@mjhall.com www.mjhall.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent

MacAfee & Edwards Inc. - Mexican Insurance Specialist 800 S. Figueroa St., Ste. 790, Los Angeles, CA 90017 Phone: (213) 629-9777, Fax: (213) 629-9779 E-mail: juan@mexicard.com www.macafeeandedwards.com MGA, A Licensed Surplus Broker, Managing Underwriter P.O. Box 906, Pewaukee, WI 53072 Phone: (262) 548-9880, Fax: (262) 547-9436 E-mail: maicmarketing@markelcorp.com www.markelmarine.com

2035 Maywill St., Ste. 100, Richmond, VA 23226 Phone: (804) 289-1300, Fax: (804) 673-5697 E-mail: marketing@kinsaleins.com www.kinsaleins.com

655 N. Franklin St., Ste. 1900, Tampa, FL 33602 Phone: (800) 336-5529, Fax: (813) 223-9547 E-mail: lpp@bbprograms.com www.lppinsurance.com Managing General Agency

Lefebvre Insurance LLC

901 Pleasant Street, #1413, Attleboro, MA 02703 Phone: (800) 451-9668, Fax: (508) 384-0303 E-mail: tom@lefebvreinsurance.com www.lefebvreinsurance.com A Licensed Surplus Broker

Legacy Employer Concepts LLC 7901 4th St. N, Ste. 300, St. Petersburg, FL 33702 Phone: (813) 460-9166, Fax: (813) 433-2503 E-mail: brett@legacyemployerconcepts.com www.legacyemployerconcepts.com MGA, A Licensed Surplus Broker

54 | INSURANCE JOURNAL January 22, 2024

214 E. Birch Ave, Flagstaff, AZ 86001 Phone: (928) 214-9750 E-mail: mexico@mexpro.com www.mexpro.com MGA, A Licensed Surplus Broker, Managing Underwriter

14755 N. Outer 40 Dr., Ste. 300, Chesterfield, MO 63017 Phone: (636) 449-7000, Fax: (636) 449-7199 E-mail: rlunceford@mecasualty.com www.mecasualty.com

Monarch E&S Insurance Services

For more information, check out our ad on page 3 (West). 2550 N Hollywood Way, Ste. 501, Burbank, CA 91505 Phone: (818) 249-0100, Fax: (818) 249-1166 E-mail: clarac@monarchexcess.com www.monarchexcess.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent

Mover’s Choice Insurance

222 Gateway Road W, Napa, CA 94558 Phone: (800) 852-1968, Fax: (707) 252-5905 E-mail: BrandonL@paulhanson.com www.moverschoiceinfo.com

National Indemnity Company 1314 Douglas, Ste. 1400, Omaha, NE 68102 Phone: (402) 916-3000, Fax: (402) 916-3030 E-mail: info@nationalindemnity.com www.nationalindemnity.com

Kinsale Insurance Company

Lawyer’s Protector Plan

P.O. Box 60727, Pasadena, CA 91116 Phone: (800) 639-4727, Fax: (800) 639-4329 E-mail: jorge@mexipass.com www.mexipass.com MGA, A Licensed Surplus Broker, Managing Underwriter

LIG Marine Managers

Markel Personal Lines

Explore the Potential of what Kinsale can do for your hard to insure accounts. Kinsale Insurance Company is a domestic excess and surplus lines insurance company specializing in casualty, professional, property, specialty, and transportation risks.

MexiPass International Insurance Services

Nationwide

MAXIMUM

222 S. Riverside Plaza, Ste. 2340, Chicago, IL 60606 Phone: (312) 559-9348, Fax: (312) 559-0930 E-mail: joem@maxib.com www.maxib.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent

McGowan Allied Specialty Insurance

140 Fountain Pkwy N, Ste. 570, St. Petersburg, FL 33716 Phone: (800) 237-3355, Fax: (727) 360-3498 E-mail: tellmemore@mcgowanallied.com www.mcgowanallied.com MGA, A Licensed Surplus Broker, Managing Underwriter

McLeckie Insurance Group

P.O. Box 770, Naples, TX 75568 Phone: (903) 897-9090, Fax: (760) 462-1696 E-mail: Bill@mcleckie.com www.mcleckie.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

Meridian Finance Group

11900 W. Olympic Blvd., 8th Fl, Los Angeles, CA 90064 Phone: (310) 260-2130, Fax: (310) 260-2140 E-mail: info@meridianfinance.com www.meridianfinance.com

For more information, check out our ad on page 25 (National). 18700 Hayden Rd, Scottsdale, AZ 85255 Phone: (800) 423-7675, Fax: (480) 483-6752 E-mail: palacj3@nationwide.com nationwideexcessandsurplus.com A Licensed Surplus Broker

Nautilus Insurance Co. & Great Divide Insurance Co.

For more information, check out our ad on page 21 (National). 7233 E. Butherus Dr., Scottsdale, AZ 85260 Phone: (480) 951-0905, Fax: (480) 951-9730 E-mail: nicmarketing@nautilus-ins.com www.nautilusinsgroup.com

NBIS

2859 Paces Ferry Rd. SE, 800 Overlook III, Atlanta, GA 30339 Phone: (770) 257-1777, Fax: (770) 257-1500 E-mail: contactus@nbis.com www.NBIS.com MGA, A Licensed Surplus Broker, Managing Underwriter

Negley Associates

389 Interpace Pkwy, 4th Fl, Parsippany, NJ 07054 Phone: (862) 286-3550, Fax: (866) 865-5655 E-mail: info@jjnegley.com www.jjnegley.com MGA, A Licensed Surplus Broker, Managing Underwriter

www.insurancejournal.com

Alphabetical Directory of Intermediaries and Carriers NeitClem Wholesale Insurance Brokerage Inc.

Pacific Excess Insurance Marketing

Professional Governmental Underwriters

New England Excess Exchange

Pacific Gateway Insurance Agency

Professional Insurance Concepts

Nonprofits Insurance Alliance

PartnerOne Environmental

7442 N. Figueroa St., Los Angeles, CA 90041 Phone: (323) 258-2600, Fax: (323) 258-2676 E-mail: jcenteno@neitclem.com www.neitclem.com A Licensed Surplus Broker

57 Parker Rd., Barre, VT 05641 Phone: (802) 661-5400 E-mail: achase@neee.com neee.com MGA, A Licensed Surplus Broker, Managing Underwriter P.O. Box 8507, Santa Cruz, CA 95061 Phone: (831) 459-0461, Fax: (831) 459-0853 E-mail: brokerservices@insurancefornonprofits.org www.insurancefornonprofits.org

Norman-Spencer Agency LLC 8075 Washington Village Dr., Dayton, OH 45458 Phone: (800) 543-3248, Fax: (937) 432-1635 E-mail: info@norman-spencer.com www.norman-spencer.com Managing General Agency

Norman-Spencer International Inc.

6363 Katella Ave., Cypress, CA 90630 Phone: (800) 222-5582, Fax: (714) 228-7838 E-mail: marketing@pacificexcess.com www.pacificexcess.com MGA, A Licensed Surplus Broker

28470 Ave Stanford, Ste. 325, Valencia, CA 91355 Phone: (800) 354-4844, Fax: (661) 257-5988 E-mail: mark_thorne@pgiainsurance.com www.pgiainsurance.com MGA, Managing Underwriter

P.O. Box 1532, Charlottesville, VA 22902 Phone: (800) 596-0172, Fax: (434) 979-8964 E-mail: p1info@p1enviro.com p1enviro.com MGA, A Licensed Surplus Broker, Managing Underwriter

PERse

23 Corporate Plaza, Ste. 248, Newport Beach, CA 92660 Phone: (949) 873-0324, Fax: (949) 873-0319 E-mail: inquiries@powerenergyrisk.com powerenergyrisk.com Managing Underwriter

150 E. 22nd St., Lombard, IL 60148 Phone: (630) 705-4140, Fax: (630) 705-1056 E-mail: gretchen@normanspencer.com www.normanspencer.com MGA, A Licensed Surplus Broker, Managing Underwriter

Number One Insurance Agency 91 Cedar St., Milford, MA 01757 Phone: (508) 634-2900, Fax: (508) 634-2930 E-mail: numberone@massagent.com www.massagent.com MGA, A Licensed Surplus Broker

Philadelphia Insurance Companies For more information, check out our ad on page 13 (National). 231 Saint Asaphs Rd., Ste. 100, Bala Cynwyd, PA 19004 Phone: (800) 873-4552, Fax: (610) 617-7940 E-mail: phlysales@phly.com www.phly.com A Licensed Surplus Broker

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

Poulton Associates

3785 S. 700 E., Salt Lake City, UT 84106 Phone: (801) 316-4228 E-mail: service@catcoverage.com www.CATcoverage.com A Licensed Surplus Broker

Omaha National

For more information, check out our ad on the cover (Cover Tip). PO Box 451139, Omaha, NE 68145 Phone: (844) 761-8400, Fax: (844) 761-8402 E-mail: sales@omahanational.com www.omahanational.com Omaha National is a premier provider of workers compensation insurance. Accepting experience-rated risks up to 2M in premium. Offering coverage for a wide variety of businesses. Insurance Carrier (PPIC) is rated A- (Excellent) by A.M. Best Company. We offer three ways to pay premium.

Orion Commercial Insurance Services Inc. P.O. Box 30634, Walnut Creek, CA 94598 Phone: (925) 627-6040, Fax: (925) 280-0333 E-mail: al@orionslb.com A Licensed Surplus Broker

www.insurancejournal.com

389 Interpace Pkwy, 4th Fl, Parsippany, NJ 07054 Phone: (862) 286-3470, Fax: (973) 263-0747 E-mail: DGriffin@ProInsConcepts.com www.ProInsConcepts.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

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

1304 Southpoint Blvd., Ste. 101, Petaluma, CA 94954 Phone: (415) 475-4300, Fax: (415) 475-4303 E-mail: info@ppibcorp.com www.ppibcorp.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

Professional Underwriters Agency (PUA)

2803 Butterfield Rd., Ste. 260, Oak Brook, IL 60523 Phone: (630) 861-2330 E-mail: nsmmarketing@nsminc.com puainc.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

Promont Insurance Advisors

Novatae Risk Group

12700 Park Central Dr., Ste. 510, Dallas, TX 75251 Phone: (888) 810-2770 E-mail: info@novatae.com www.novatae.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

4870 Sadler Rd., Ste. 102, Glen Allen, VA 23060 Phone: (800) 586-6502, Fax: (804) 272-7852 E-mail: glester@pgui.com www.pgui.com MGA, A Licensed Surplus Broker, Managing Underwriter

Prime Insurance Company 1 S. Dearborn St., Ste. 800, Chicago, IL 60603 Phone: (800) 257-5590, Fax: (877) 452-6910 E-mail: RJL@primeis.com www.primeis.com

ProAlly

1820 E. Sky Harbor Circle S, Ste. 150, Phoenix, AZ 85034 Phone: (623) 473-6277 E-mail: contact@pro-ally.com www.pro-ally.com Managing Underwriter

Proctor Loan Protector

700 Tower Dr., Ste. 400, Troy, MI 48098 Phone: (800) 521-6800, Fax: (248) 269-5605 E-mail: info@pfic.com www.proctorlp.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

123 N. Wacker Dr., Ste. 890, Chicago, IL 60606 Phone: (312) 262-3300, Fax: (312) 262-3301 E-mail: greg.morris@promontadvisors.com www.promontadvisors.com MGA, A Licensed Surplus Broker, Managing Underwriter

ProWriters

70 E. Lancaster Ave., Ste. 102, Malvern, PA 19355 Phone: (484) 321-2335, Fax: (484) 321-2339 E-mail: info@prowritersins.com www.prowritersins.com MGA, A Licensed Surplus Broker, Managing Underwriter

Quadrant Insurance Managers

501 W. Schrock Rd., Ste. 301, Westerville, OH 43081 Phone: (614) 841-1425, Fax: (614) 841-1426 E-mail: info@quadrant-us.com www.quadrant-us.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent

Quaker Special Risk, a Jencap Company (Florida)

224 Datura St., Ste. 715, W. Palm Beach, FL 33401 Phone: (866) 526-1545, Fax: (561) 833-6616 E-mail: creid@qsr-insurance.com www.qsr-insurance.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

Quaker Special Risk, a Jencap Company (Mass.)

51 Harvard St., Worcester, MA 01609 Phone: (800) 252-8679, Fax: (508) 753-0646 E-mail: kbranscombe@quakerma.com www.quakerma.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

Quaker Special Risk, a Jencap Company (New Jersey)

P.O. Box 1350, Eatontown, NJ 07724 Phone: (800) 447-4180, Fax: (732) 223-9072 E-mail: creid@qsr-insurance.com www.qsr-insurance.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent

January 22, 2024 INSURANCE JOURNAL | 55

Alphabetical Directory of Intermediaries and Carriers Quirk & Company

P.O. Box 792030, San Antonio, TX 78279 Phone: (800) 299-9421, Fax: (210) 340-4075 E-mail: kquirk@quirkco.com www.quirkco.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent

RealCare Insurance

430 W. Napa St., Ste. F, Sonoma, CA 95476 Phone: (800) 996-0599, Fax: (707) 935-7142 E-mail: realcare@nfp.com www.realcareprograms.com MGA, Managing Underwriter

Reefer Protector

24379 Bramblewood Dr., Novi, MI 48374 Phone: (586) 291-7729 E-mail: brian@insurehive.com www.reeferprotector.com MGA, A Licensed Surplus Broker

RPS

2850 Golf Road, Rolling Meadows, IL 60008 Phone: (866) 595-8413, Fax: (630) 285-4075 E-mail: contact_us@rpsins.com www.rpsins.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

RPS Healthcare

525 W. Van Buren, Ste. 1325, Chicago, IL 60607 Phone: (312) 803-6014 E-mail: Diane_Burrows@rpsins.com www.rpsins.com/industries/healthcare-insurance/ A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

RPS Technology & Cyber

204 Cedar St., Cambridge, MD 21613 Phone: (800) 336-5659, Fax: (410) 228-7645 E-mail: Estelle_Cummings@RPSins.com www.rpsins.com/industries/technology-insurance/ MGA, A Licensed Surplus Broker, Managing Underwriter

RelMark Program Managers

961 Pottstown Pike, Chester Springs, PA 19425 Phone: (800) 874-5880, Fax: (610) 321-1011 E-mail: RRittersbach@relmarkgroup.com www.relmark.net A Licensed Surplus Broker, Managing Underwriter

reThought Flood

11001 W. 120th Ave., Ste. 400, Broomfield, CO 80021 Phone: (818) 359-2615 E-mail: flood@rethoughtflood.com www.rethoughtinsurance.com MGA, Managing Underwriter

RT Specialty

540 West Madison Street, 9th Floor, Chicago, IL 60661 Phone: (312) 651-6000, Fax: (312) 651-6096 E-mail: customer.solutions@rtspecialty.com rtspecialty.com A Licensed Surplus Broker

Sapphire Blue

155 N Wacker Drive, Chicago, IL 60606 Phone: (312) 784-6007, Fax: (312) 784-6002 E-mail: nancy.mcmahon@sapphireblueuw.com sapphireblueuw.com Managing Underwriter

PO Box 360017, Strongsville, OH 44136 Phone: (877) 862-4755, Fax: (914) 636-0802 E-mail: info@risk-strategies.com www.risk-strategies.com A Licensed Surplus Broker 10 Shackelford Plaza, Little Rock, AR 72211 Phone: (833) 788-7887 E-mail: aadams@rvuins.com www.rvuins.com MGA, A Licensed Surplus Broker

RMC Group

27200 Riverview Center Blvd., Ste. 311, Bonita Springs, FL 34134 Phone: (239) 298-8210 E-mail: rmc@rmcgp.com www.rmcgp.com

Roush Insurance Services Inc. 18077 River Rd., Ste. 107, Noblesville, IN 46062 Phone: (800) 752-8402, Fax: (317) 776-6891 E-mail: quote@roushins.com www.roushins.com MGA, A Licensed Surplus Broker

56 | INSURANCE JOURNAL January 22, 2024

Sovereign Group Int’l Inc.

1600 Jersey Ave., Ste. 5, North Brunswick, NJ 08902 Phone: (732) 750-2300, Fax: (732) 750-1650 E-mail: bill@sovereignins.com www.sovereignins.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

Specialty Insurance

1610 Route 88 Ste. 102, Brick, NJ 08724 Phone: (732) 701-8934 E-mail: apyciak@specialtyagency.com www.specialtyagency.com MGA, Managing Underwriter

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

Sports & Fitness Insurance Corporation (SFIC)

Risk Strategies, Transportation Group

River Valley Underwriters Inc.

8144 Walnut Hill Ln., Ste. 1400, Dallas, TX 75231 Phone: (214) 206-4900, Fax: (214) 206-4901 E-mail: info@swrisk.com www.swrisk.com MGA, A Licensed Surplus Broker

5 Bryant Park, 3rd Floor, New York, NY 10018 Phone: (866) 607-8370, Fax: (212) 338-2910 E-mail: christopher.lamitola@specialtyprogramgroup.com www.spgswis.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent

REInsurePro

For more info, check our ad on page 1 (Midwest), page 2 (East) and page 7 (West). 11500 N. Ambassador Dr., Ste. 310, Kansas City, MO 64153 Phone: (816) 398-4080 E-mail: info@reinsurepro.com www.reinsurepro.com

Southwest Risk

212 Key Dr., Ste. A, Madison, MS 39110 Phone: (800) 844-0536, Fax: (601) 853-6141 E-mail: contactus@sportsfitness.com www.sportsfitness.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

Sports & Wellness Insurance

555 E. North Lane, Ste. 6060, Conshohocken, PA 19428 Phone: (610) 808-9599 E-mail: nsmmarketing@nsminc.com nsmsportsinsurance.com MGA, A Licensed Surplus Broker

Sun Coast General Insurance Agency

P.O. Box 30750, Laguna Hills, CA 92654 Phone: (800) 300-8838, Fax: (949) 768-4045 E-mail: jyeskin@suncoastinsurance.com www.SunCoastInsurance.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

Shield Commercial Insurance Services

43725 Monterey Ave., Ste. A, Palm Desert, CA 92260 Phone: (760) 345-9029, Fax: (800) 345-4851 E-mail: info@shieldins.net www.shieldins.net MGA, A Licensed Surplus Broker, Managing Underwriter We have functioned as a program manager providing contractor insurance products to retail brokers and wholesalers since 2004. Rate, quote and bind online. Easily register as a producer today on our website for full program access. We specialize in General Liability, Excess Liability, Inland Marine and Workers’ Compensation.

Smart Choice Express Markets For more info, check our ad on page 7 (National). 4121 BeechwoodDr., Greensboro, NC 27410 Phone: (888) 264-3388 E-mail: insidesales@smartchoiceagents.com www.expressmarkets.com A Licensed Surplus Broker

Synergy Professional Associates

100 Passaic Ave., Ste. 145, Fairfield, NJ 07004 Phone: (973) 995-0500, Fax: (973) 995-0501 E-mail: michelem@synergy-ins.com www.synergy-ins.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

TAPCO Underwriters Inc.

3060 S. Church St., Burlington, NC 27216 Phone: (800) 334-5579, Fax: (336) 584-8880 E-mail: KAllred@gotapco.com www.GoTAPCO.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

www.insurancejournal.com

Alphabetical Directory of Intermediaries and Carriers Target Managers Insurance Services

True Transport Insure

USASIA Insurance Services

Target Professional Programs

U.S. Brokers Network, a Division of U.S. Risk LLC

USG Insurance Services Inc.

14241 Dallas Pkwy, Ste. 850, Dallas, TX 75254 Phone: (719) 309-1051 E-mail: submissions@usbrokersnetwork.com www.usbrokersnetwork.com MGA, A Licensed Surplus Broker

1000 Town Center Way, Ste. 300, Canonsburg, PA 15317 Phone: (724) 754-9007, Fax: (724) 265-5751 E-mail: jkessel@usgins.com www.aauins.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

U.S. E&O Brokers, a Division of U.S. Risk LLC

Virtue Risk Partners LLC

10161 Park Run Dr., Ste. 150, Las Vegas, NV 89145 Phone: (702) 588-5300, Fax: (702) 588-5310 E-mail: mkiger@targetmanagers.com www.targetmanagers.com MGA, A Licensed Surplus Broker, Managing Underwriter 1230 E. Diehl Rd., Ste. 350, Naperville, IL 60563 Phone: (331) 333-8239, Fax: (630) 961-0284 E-mail: sreidy@targetproins.com www.TargetProIns.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent

TDC Specialty Underwriters 29 Mill Street, Unionville, CT 06085 Phone: (888) 277-3152, Fax: (888) 277-3152 E-mail: submissions@tdcspecialty.com www.tdcspecialty.com Managing Underwriter

Texas Mutual Insurance Co.

555 E. North Lane, Ste. 6060, Conshohocken, PA 19428 Phone: (610) 808-9559 E-mail: nsmmarketing@nsminc.com nsminc.com/transportation MGA, A Licensed Surplus Broker, Managing Underwriter

2050 W. Sam Houston Pkwy, S., Ste. 1500, Houston, TX 77042 Phone: (800) 460-6424, Fax: (713) 984-1152 E-mail: angela@useo.com www.useo.com A Licensed Surplus Broker, Managing Underwriter

32nd Fl, 11 N. Water St., Mobile, AL 36602 Phone: (251) 690-4230, Fax: (251) 690-4299 E-mail: aeu.marketing@amequity.com www.amequity.com

One Blue Hill PLaza, Pearl River, NY 10965 Phone: (845) 205-0301 E-mail: jvalenza@virtuerisk.com www.virtuerisk.com MGA, A Licensed Surplus Broker, Managing Underwriter

Western Surplus Lines Agency Inc.

For more info, check our ad on page 2 (South Central). 2200 Aldrich St., Austin, TX 78723 Phone: (800) 859-5995 E-mail: information@texasmutual.com www.texasmutual.com

The American Equity Underwriters Inc.

319 Union Ave., Pomona, CA 91768 Phone: (909) 618-0288, Fax: (909) 618-0289 E-mail: shirley@usasia-ins.com www.usasia-ins.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent

U.S. Risk LLC

14241 Dallas Pkwy, Ste. 850, Dallas, TX 75254 Phone: (800) 232-5830, Fax: (214) 647-5035 E-mail: lori.ault@usrisk.com www.usrisk.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

P.O. Box 6609, Abilene, TX 79608 Phone: (800) 592-4408, Fax: (325) 695-0371 E-mail: bcraig@westernsurplus.com www.westernsurplus.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

Wilkoff Bonds

95 Main St., Mineola, NY 11501 Phone: (516) 747-0200, Fax: (516) 747-2021 E-mail: info@wilkoffbonds.com www.wilkoffbonds.com Managing Underwriter

World Wide Specialty, a Div of Philadelphia Ins. Co’s 68 S. Service Rd., Ste. 235, Melville, NY 11747 Phone: (800) 245-9653, Fax: (631) 390-0922 E-mail: dtaylor@wwspi.com www.wwspi.com Managing General Agency

The McGowan Companies

Corporate HQ; 20595 Lorain Rd., Fairview Park, OH 44126 Phone: (800) 545-1538, Fax: (440) 333-3214 E-mail: syoung@mcgowancompanies.com www.mcgowancompanies.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

Wrap Up Insurance Solutions

UFG Specialty

For more information, check out our ad on page 19 (National). 3200 N. Central Ave., Ste. 1225, Phoenix, AZ 85012 Phone: (213) 634-6421 E-mail: specialtymarketing@unitedfiregroup.com www.ufgspecialty.com At UFG Specialty, best in class service is what we do. We understand response time and decisiveness are key to our broker/partners’ success. Rated A (Excellent) by A.M. Best, we specialize in hard-to-place Excess Casualty, Excess Property, and Inland Marine business.

Unitas Financial Services

The Mechanic Group, Inc., A Division of Specialty Programs Group LLC One Blue Hill Plaza, Ste. 530, Pearl River, NY 10965 Phone: (845) 735-0700, Fax: (845) 735-8383 E-mail: mkatz@mechanicgroup.com www.mechanicgroup.com MGA, A Licensed Surplus Broker

Insurance Programs, Brokerage and Risk Management for the Security Officer, Electronic Security-Alarm, Investigation and Background Screening Industry.

www.insurancejournal.com

6543 Commerce Pkwy, Ste. M, Dublin, OH 43014 Phone: (954) 931-4795, Fax: (866) 847-5565 E-mail: john.watt@unitas360.com www.unitas360.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

16141 Swingley Ridge Rd., Chesterfield, MO 63017 Phone: (636) 489-0185, Fax: (636) 536-7473 E-mail: bbillhartz@wrapupsolutions.com www.wrapupsolutions.com

www.insurancehelper.com PO Box 1549, Grass Valley, CA 95945 Phone: (530) 648-1100 E-mail: info@theeventhelper.com www.insurancehelper.com MGA, Managing Underwriter

XPT Specialty

50 Brewery St., Ste. 8476, New Haven, CT 06530 Phone: (972) 702-0500, Fax: (972) 702-0504 E-mail: mark.kaufman@xptpartnersllc.com www.xptspecialty.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent

US Assure

8230 Nations Way, Jacksonville, FL 32256 Phone: (800) 800-3907 E-mail: info@usassure.com www.usassure.com MGA, A Licensed Surplus Broker, Lloyd’s Correspondent, Managing Underwriter

January 22, 2024 INSURANCE JOURNAL | 57

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Idea Exchange: Surplus Lines A Deep Dive into the Diligent Effort (Search) Requirement

he excess and surplus lines insurance market is a rapidly-growing avenue for the placement of insurance policies in By Zachary Lerner the United States. Many alien (non-U.S.) insurance carriers write surplus lines insurance coverage via their inclusion on the NAIC IID Quarterly Listing of Alien Insurers, and there has been exponential growth in the formation of “domestic surplus lines insurers” that are U.S.-based insurers authorized for the express purpose of writing only surplus lines insurance. However, one of the principal barriers to the placement of insurance policies by surplus lines insurers has been the “diligent effort” or “diligent search” requirement imposed on surplus lines brokers. A condition in most states for placing insurance through the surplus lines market is the utilization of a surplus lines broker that must first search the admitted market for available insurance coverage. While some industry participants see this requirement as an antiquated hurdle of yesteryear, others view this requirement as essential for protecting the traditional, highly-regulated admitted market. In the old days, the surplus lines market was traditionally deployed for bespoke, hard-to-place insurance risks, which cur-

rently include cyber insurance, representations and warranties insurance for mergers and acquisition (M&A) transactions, and insurance for cannabis-related businesses. Today, however, the surplus lines market also increasingly supports risk exposures traditionally within the purview of the admitted marketplace, such as homeowners coverage and commercial automobile insurance (to the extent permissible under motor vehicle laws). In addition, the explosion of “insurtech” carriers and brokers has increased the demand for app-based “on demand” binding of coverage. As such, the diligent search requirement has become more important to consider than ever. This article identifies a few of the frequently asked questions and areas of compliance deficiencies in the marketplace that should be considered when operating a surplus lines brokerage firm or otherwise performing due diligence relating to the acquisition of a surplus lines broker licensee.

Is the diligent search requirement still around in most states?

Yes, although many states contain exemptions and a few have removed it altogether. To our knowledge, at least four states (Louisiana, Mississippi, Virginia and Wisconsin) have eliminated the requirement. Moreover, some states are beginning to exempt surplus lines brokers from the diligent search requirement with

respect to commercial risks when a retail producer is involved. For example, in Illinois, under 215 Ill. Comp. Stat. 5/445, a surplus lines producer may procure commercial lines coverage through the E&S market without conducting a diligent search of the admitted market “if the risk was referred to the surplus line producer by an Illinois-licensed insurance producer who is not affiliated with the surplus line producer.”

Are regulatory filings required to evidence satisfaction of the diligent search?

In many states, yes. Some states, like New York, even require that a producing retail broker, if in the chain of sale, complete and sign a separate affidavit verifying the satisfaction of the completion of the diligent search requirement and file it with a state insurance department or a surplus lines “stamping office” (although such affidavit is filed by the excess line broker in New York). Some other states, by contrast, simply require that adequate records be maintained by the surplus lines broker evidencing satisfaction.

How can a declination be obtained?

Most states do not direct surplus lines brokers as to how the declination must be obtained; for example, New York’s required affidavits only ask for the date of declination and the reason why the broker believes that the insurer would have considered writing the coverage. Florida’s “Statement of Diligent Effort” form expressly requires the attachment of any declinations obtained electronically, and a number of states expressly acknowledge the permissibility of oral declinations obtained from a representative of the insurer or the insurer’s agent, although the surplus lines broker should keep written records of these declinations as well.

Does the diligent search need to be conducted each and every time a policy is issued or renewed?

Some states expressly indicate that the

continued on page 60

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JANUARY 22, 2024 INSURANCE JOURNAL | 59

Idea Exchange: Surplus Lines continued from page 59 diligent search requirement be satisfied on a “per risk” basis, including each and every time an insurance policy is renewed. For example, per guidance promulgated by the Excess Line Association of New York, “[a] diligent effort must be performed for each policy being placed — a declination may not be used for multiple policies. Likewise, a new diligent effort must be undertaken upon the renewal of a policy.” Similarly, under guidance published by the California Surplus Lines Association, “[a diligent] search must be performed on all new and renewal policies (even if the insured wants to remain with the surplus lines insurer).” In Florida, per Fla. Stat. § 626.916, “[d] eclinations must be documented on a risk-by-risk basis.” There is enforcement history on this issue. For example, under a 2018 New York consent order, the New York Department of Financial Services found that a surplus lines broker “only obtained declinations from three authorized insurers once annually for a single policy ... and then relied upon the single annual declination with respect to all other insureds who received policies” in violation of New York insurance laws. There are some states that do, however, allow for the diligent search to be “recycled” in limited situations. In Illinois, under 215 Ill. Comp. Stat. 5/445, where the surplus lines producer has contracted to place “program” business with a carrier for insureds with similar characteristics receiving similar contract terms, the diligent search need only be conducted annually rather than individually for each contract. In states that do not expressly require that the diligent search be completed on a per-risk basis, there is an argument that recycling a search could be appropriate if there is a reasonable basis to believe that admitted market availability has not changed, but such practice comes with regulatory compliance risk.

How many declinations are required?

Many states expressly require that at least three declinations be obtained from licensed insurers as a reasonable proxy for demonstration that coverage is not 60 | INSURANCE JOURNAL | JANUARY 22, 2024

readily available in the admitted market (although some states, like Ohio, require five or more declinations), but this is only a necessary rather than sufficient condition in some states. For example, in Florida, per ICR Bulletin 89-100 (April 11, 1989), the requirement to obtain three declinations is not a maximum, but a minimum “level of effort that must be exerted in an attempt to find an authorized carrier.” Some states require fewer or greater number of declinations depending on the type of insurance coverage. For example, Florida only requires one declination relating to property coverage for residential structures that have a dwelling replacement cost over $700,000. On the other hand, some states require additional declinations from risk pools; in California, per Cal. Ins. Code § 1763.5, private passenger automobile coverage must first be submitted to the California Automobile Assigned Risk Plan before being exported to the surplus lines insurance market. Some states do not impose a minimum number of admitted market declinations, and while this may at first blush appear to provide more leniency for the surplus lines broker, such silence imposes a greater burden in a few states. For example, in Maine, under Bulletin 457 (April 14, 2021), “doing a specific number of inquiries does not mean that the producer has fulfilled this requirement. Rather, this is a function of many variables, including for example the type of insurance sought and the coverage limits needed.” In fact, in Maine, if the coverage “exists in the admitted market” at all, the coverage is not exportable, “even if a producer is blocked from placing an account with an authorized insurer ... .”

Can any licensed carrier provide a declination?

No, as many states require that the surplus lines broker have a “reason to believe” the licensed carrier may write the coverage. In New York, N.Y. Comp. Codes R. & Regs. tit. 11, § 27.3 includes the following as “reasons to believe” that an authorized insurer might consider writing the type of coverage desired: (1) recent acceptance by the insurer of similar coverage, (2) advertising by the insurer

or its agent that the insurer is willing to consider similar coverage, (3) media communications indicating the insurer is willing to accept similar coverage, (4) communications with insurance professionals, risk managers, trade or surplus lines associations, or the New York Department of Financial Services that would indicate the authorized insurer might consider writing the coverage, or (5) any other valid basis for making such decision. Additionally, per New York’s regulation, declinations from multiple authorized insurers under common control will not count as multiple declinations unless such insurers operate as distinct and autonomous entities, and for underwriting purposes, compete with each other for the same type of coverage or class of insurance. Furthermore, in some states, such as West Virginia, coverage may not be placed with a surplus lines insurer that is an affiliate of a licensed insurer from which the declination has been obtained, see W. Va. Code § 114-20-4.

What differences between an admitted and a surplus lines insurance policy may be used to justify a declination?

First and foremost, many states expressly state that price (premium amount) alone is not a permissible reason for a surplus lines broker to obtain a declination from an authorized carrier. In addition, a few states identify other differences that are insufficient to demonstrate a true declination. For example, in California, a declination does not qualify when the coverage is artificially divided into multiple contracts for the purpose of avoiding admitted market availability; however, if a portion of coverage is truly not available in the admitted market and it can be shown that a surplus lines insurer will accept the entire coverage but not the rejected portion alone, the entire class of risk may be exported only with insurance commissioner’s approval. See Cal. Code Regs. tit. 10, § 2137 and Cal. Code Regs. tit. 10, § 2138.

How is the diligent search satisfied for group policies? This is an area not addressed under most state insurance codes; however,

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one state that offers express leniency is Illinois. Under 215 Ill. Comp. Stat. 5/445, “[f]or a master policy insurance contract, a licensed surplus line producer may make the required diligent effort to procure the insurance from authorized insurers annually for the master policy rather than individually for each insured that is added during the policy period.” New York provides flexibility for some (but not all) types of groups, including certificates issued through risk purchasing groups (RPGs) whereby declinations may be obtained for all members of the group when coverage is procured within a 30-day period (see N.Y. Comp. Codes R. & Regs. tit. 11, § 301.6). Certain other states completely exempt the surplus lines broker from the diligence search requirement as to coverage issued to and through RPGs. There is generally enhanced risk that a state will require a diligent search to be completed as to a member residing therein when the term “home state” is defined for purposes of surplus lines regulatory jurisdiction to include members of groups that pay premium “from their own funds” or similar terminology, even if the master policyholder is located in another U.S. jurisdiction. In addition, just because the state where the master policy is issued may provide leniency as to the diligent search requirement in the group context does not mean that another state where a

Janauary 22, 2024

group member may reside will adhere to such relaxed approach.

Who is responsible for conducting the diligent search?

Many states allow a retail (non-surplus lines) broker to conduct the diligent search, but this does not necessarily absolve the surplus lines broker from liability for the failure of a surplus lines insurance placement to be supported by proper declinations. For example, in Florida, per Bulletin 97-7 (June 16, 1997) “[s]urplus lines agents must exercise prudent business judgment when evaluating the reasonableness of the producing agent’s statement of diligent effort. Failure to do so may result in disciplinary action, including revocation of the agent’s license.” By contrast, some states, such as Connecticut, put the burden exclusively on the retail agent (see Bulletin SL-4, July 25, 2013). Some states, on the face of their surplus lines statutes or in other guidance, require that the surplus lines broker conduct the diligent search without reference to satisfaction by a retail broker or other third party.

Are there more general exemptions from the diligent effort requirement?

Yes. First and foremost, the Nonadmitted and Reinsurance Reform Act of 2010 stipulates that a surplus lines broker is not required to conduct a

Janauary 22, 2024

Bristol West Insurance Company 6111 Oak Tree Blvd, Suite 300 Independence, OH 44131

Tesla Insurance Company 45500 Fremont Blvd Fremont, CA 94538

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.

The above company has made application to the Division of Insurance to amend their Foreign Company License to transact Property and Casualty Insurance in the Commonwealth of Massachusetts.

Any person having any information regarding the company which relates to its suitability for the license or authority the applicant has requested is asked to notify the Division by personal letter to the Commissioner of Insurance, 1000 Washington Street, Suite 810, Boston, MA 021186200, Attn: Financial Surveillance and Company Licensing within 14 days of the date of this notice.

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diligent search of the admitted market if the insured is an “exempt commercial purchaser,” assuming certain disclosure requirements are met. Some states have additional “industrial insured” exemptions that, in some situations, also alleviate the placement from other surplus lines regulatory standards. A number of states maintain “export lists,” which are compilations of coverages that the applicable commissioner has determined have no admitted market availability. Surplus lines brokers cannot make this determination on their own; only a state can affirmatively exempt such coverages via inclusion on their export lists. These are just some of the many issues to consider when striving to comply with the surplus lines diligent effort requirement across the various U.S. jurisdictions. Lerner is a partner in the New York office of Locke Lord LLP.

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5 29 17 2, 3, 64 9 23, 27 15 W8, S2, M1 W1 W3 10, 11 25 21 1 13 W7, E2, M1 7 W5 SC2 19

JANUARY 22, 2024 INSURANCE JOURNAL | 61

Closing Quote A Woman’s Place Is in the Construction Insurance Space

A By Lauren Taylor and

Vaishali Desai

‘From our perspective, no other insurance segment has a more noticeable gender disparity than construction insurance, particularly when it comes to leadership positions.’

s workplace barriers for minority groups have been challenged, diversity has improved in traditionally male-dominated professions. While it’s encouraging to see the work being done to attract and promote women in the construction profession, there is still a very long way to go. A recent report from the Equal Opportunity Employment Commission says, “Women and people of color are underrepresented in the construction industry and especially in the higher-paid, higher-skilled trades.” The report found that while female employment in construction has significantly increased in the last 10 years, women still make up only about 11% of the construction workforce. That figure includes office and clerical positions, with only 4% of women construction professionals actually in the construction trade. Sadly, these findings do not surprise us as female professionals in construction insurance. Like the construction industry itself, our construction insurance colleagues are predominantly male. Overall, women make up 60% of the insurance industry, but they hold only 19% of insurance board seats, 11% of named insider officer positions and 12% of top officer positions, reports a 2022 study by the Million Women Mentors Women in Insurance Initiative (WII). From our perspective, no other insurance segment has a more noticeable gender disparity than construction

62 | INSURANCE JOURNAL | JANUARY 22, 2024

insurance, particularly when it comes to leadership positions. Women offer a unique and fresh perspective that is needed in the construction insurance space. So, why have they been left out or failed to consider a career in it? A few reasons: • Women are not typically recruited into the construction industry and not enough is done to expand the talent pool. Women have found ways to adapt, but the barriers to entry remain in spaces where men often conduct business, including country clubs, golf courses, sporting events and steakhouses, many of which have historically excluded women and minorities. • Female insurance professionals without construction experience don’t believe they are qualified or may be intimidated. Here are some steps to help break down barriers for women to learn about and be successful in construction insurance: • Foster a company culture, starting with company leadership, that gives women a seat at the table and promotes them to leadership positions in this segment. • Provide women insurance professionals in other segments of the business with exposure to construction-related lines of business, or construction risks, and offer training and opportunities to learn the business. • Understand the different ways to be an ally and support women starting off in construction insurance or who may be struggling to have their

voices heard. There are many different types of allyship, including listening, mentoring, answering questions, and calling out inappropriate behavior. It is comforting for women colleagues to know there is someone in their corner. • Offer women and other minorities safe channels to anonymously express feedback, or report issues or concerns. • Make sure women are made aware of new opportunities or special projects that showcase their skillset or will be recognized by senior leadership. • Consider expanding employee benefits to include things that support women’s ability to remain in the workforce long-term. • Evaluate the tasks assigned to women or other minorities on their team and if they provide a path towards career growth. There is strong comradery among women in construction insurance, even among competitors. We support each other, exchange ideas and work together to create change for the better. As diversity improves across the insurance industry, we look forward to seeing more opportunities for women in construction insurance. Taylor (lataylor@berkleycp.com) is a senior underwriter and Desai (vdesai@ berkleycp.com) is an underwriter for Berkley Construction Professional, a Berkley Company. The remarks in this piece are Taylor’s and Desai’s and do not necessarily represent the views of Berkley Construction Professional or W. R. Berkley Corporation. INSURANCEJOURNAL.COM

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