Insurance Journal West 2024-06-03

Let the Big Dogs Eat. Join top business and community leaders at top-tier courses across the US in the #1 Charity Event In Golf.™

Make a Difference. Earn Rewards. Compete as a foursome or sponsor a local event for a chance to earn rewards, including a trip to the Applied Underwriters Invitational National Finals at Big Cedar Lodge.

Contact an Applied rep at 877-234-4450 or email invitational@auw.com to get started.

Follow us for a shot at even more rewards. Applied Underwriters Invitational® | #BigDogGolf invitational.com

Idea Exchange

Exploring AI: Fascination with AI, Not Fear Will Drive Success for Independent Agents

Spotlight: Nuclear Verdicts Surge to $14.5 Billion in 2023, Report Shows

Spotlight: Social Inflation Key Factor in Rise of Loss Severity: AM Best

Cabin Pressure: A Firsthand Examination of the Realities of Airline Worker Risks

Closing Quote: How to Embrace Compensation Transparency

Auto Insurance Shopping

When it comes to understanding why auto rates are up, I feel fairly knowledgeable. After all I spend my working life reviewing and reporting on the property/casualty insurance world, so I hear the industry explain again and again why personal auto insurance rates are on the rise — social inflation, more expensive vehicles to repair, driver distraction, and so on.

But that didn’t stop my “sticker shock” this year when I received my personal auto insurance renewal. Like so many of your own customers, I reached out to my agent to see what they could do. After all, my “risk profile” is pretty darn good. No claims in 25 years-plus. And so I shopped, a little. What I found was — nothing better was available. Sure I might save a few bucks but that savings wouldn’t be enough for me to leave my trusted, long-time agent.

However, to most consumers I would imagine that few bucks might get them to jump ship to a new agent or company. In fact, the number of U.S. consumers who shopped for auto insurance grew 6% in the first quarter 2024 compared to the same period in 2023, according to research from TransUnion.

The report, which shows shopping in the West and Midwest was particularly active in the quarter, blames rising costs of living in both regions as the likely cause of the spike. It shows auto insurance shopping was up 12.1% in the Midwest and 10.3% in the West.

The report also shows 23% of consumers indicated plans to purchase or lease a vehicle to replace an existing one within the next 12 months, an increase from 17% in 2023.

Auto insurance shopping was up 12.1% in the Midwest and 10.3% in the West.

This is the second report in recent weeks indicating insurance shopping is on the rise. LexisNexis’ Insurance Demand Meter report shows a continued surge in new auto insurance policies.

In that report, consumer auto insurance shopping activity registered as “Hot” on the LexisNexis Insurance Demand Meter, as quarterly year-over-year shopping grew 2.9% for Q1 2024 (slowing slightly from last quarter’s 4.7% increase year-over-year).

The LexisNexis report said that when comparing all years back to 2021, consumers most likely to be retained by their existing insurance company — or those who have been loyal for more than 10 consecutive years — comprised less than 20% of the shopper pool. Through Q1 2024, this cohort has grown to 24% of total shoppers.

That’s me. After 20-plus years with my current agent I have never shopped — until this year.

Adam Pichon, senior vice president, global analytics, LexisNexis Risk Solutions, advised insurers to consider implementing stronger retention strategies, including more proactive and selective monitoring of their renewal books to help identity and retain long-term, loyal policyholders.

I think this is likely a good strategy for independent agencies as well. Agents, take great care of those long-term clients — they will stick around even with today’s high insurance prices.

Andrea Wells V.P. of Content

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: Julie Bingham, Sarah Thomas Columnists: Tony Caldwell

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

STREAMLINE INSURANCE OPERATIONS

YOUR BUSINESS

Elevate your insurance processes from ‘possibilities to realities’ with AI-powered solutions

LIFECYCLE & OPERATIONS

Advance insurance operations with 360-degree strategic support, ensuring resilience in a changing industry landscape.

CLAIMS TPA & SOLUTIONS

Reimagine the policyholder experience with end-to-end claims processing capabilities and leading-edge advisory and digital services.

TECHNOLOGY & DIGITAL

Empower your workforce with proven insurtech solutions that anticipate and adapt to market shifts.

DATA & ANALYTICS

Transform diverse data into actionable insights, streamlining processes for market differentiation and growth.

CONSULTING & ADVISORY

Partner with our industry experts to seize opportunities, navigate market shifts, and meet regulatory demands.

News & Markets

Insurance Research Council: Home Insurance Spend Tops Household Income Growth

By Chad Hemenway

According to the Insurance Research Council (IRC), the average homeowners insurance expenditure has become less affordable for U.S. consumers over time.

Looking at the the years 2001 to 2021 — the latest year in which relevant data is available — homeowners spent about 2% of household income on homeowners insurance, with what the IRC called “striking disparity” between states. The U.S. average expenditure on homeowners insurance increased from $508 in 2001 to $1,411 in 2021, or a 5% annualized rise.

The IRC’s analysis, meant to be a resource guide for policymakers looking to improve affordability, measures homeowners insurance affordability by calculating the ratio of average homeowners insurance expenditures (from data derived from the National Association of Insurance Commissioners) to median household income.

For instance, Utah is the most affordable state with consumers spending 0.96% of

household income on home insurance.

Florida ranks as the least affordable, with consumers per household paying slightly more than 4% — more than double the national average — on home insurance, the IRC’s analysis concluded. Louisiana had held the distinction of the least

affordable state for many years but the state improved in 2021 due to a drop in median household income to offset an 11% increase in insurance spending.

The IRC concluded that from 2001 to 2021, homeowners insurance expenditures showed a general upward trend, driven by factors such as natural disasters, economic conditions, rising construction costs, and litigation activity in some states.

Meanwhile, the average household income also grew during the same time. However, the IRC found, the increase in insurance spend outpaces the increase in household income, with an annualized growth rate of 2.5%. It is important to note the report does not include the rapid increases in insurance rates since 2021, IRC said.

“An understanding of what drives the cost of insurance is essential for consumers navigating the current insurance market,” said Dale Porfilio, president of the IRC and chief insurance office for the Insurance Information Institute (Triple-I). “Efforts to promote homeowner awareness and adoption of protective measures, strengthen state and local building codes, and encourage community resilience programs can all improve insurance affordability.”

News & Markets

Staffing Shortages, Reduced Training Fuel Risks for Company Drivers

Increased distractions, staffing shortages and safety risks mean that 60% of company drivers are worried about their personal safety and liability behind the wheel. Over half have been involved in or witnessed an accident in the past year.

According to Nationwide’s Agency Forward Driving Behaviors 2024 Survey Findings, company drivers face increased distractions and safety risks on the road, which are aggravated by staffing shortages, longer hours and a reduced focus on safety.

Staffing shortages are a significant issue, according to 40% of drivers, leading to increased workloads (61%), longer hours (58%) and more difficulty meeting deadlines (47%). These increased work demands exacerbate distracted driving, leading 55% of drivers to take calls while driving (compared to 34% of consumers), while 30% read or respond to texts while behind the wheel. Nearly one in five read work emails (18%) or respond to work emails (16%) while on the road.

To compensate for driver shortages, 42% of drivers said their employer has reduced hiring criteria, 39% said employee training has suffered and 34% said there’s less focus on safety.

The survey found 34% of company drivers “often or sometimes” feel distracted while driving for work purposes. Distractions are caused mainly by operating GPS/navigation systems (55%) and interacting with radio or music systems (41%). More than a quarter (27%) also daydream behind the wheel and 13% check social media apps.

One-fifth of drivers reported that their company has a total ban on cell phone use while driving (20%), but 21% say there is no policy or monitoring. More than half (57%) said their company enforces a “hands-free” policy.

Still, 91% said that employees are aware of the impact driving incidents have on the company. Eighty-five percent said management prioritizes road safety and that the threat of potential driving incidents or accidents impacts how they drive.

Nearly 75% of drivers want management to increase the training being provided to drivers to help prevent accidents and improve safety. Drivers are also over-

whelmingly supportive of technology like dash cams and telematics, but only 38% said their employer requires a dash cam or monitors their driving with telematics.

Count

Figures

$200,000

The worth of a diamond ring stolen from a Tiffany store in New York by a jewel thief who is wanted in connection with crimes committed from Florida to South Korea, according to New York authorities. The thief switched the diamond ring with a cubic zirconia replica after asking an employee to let him see several pieces, according to the complaint. He left without buying anything. Tiffany employees later discovered during a routine inventory that the diamond ring had been replaced by the fake.

700

The approximate number of preliminary tornado reports that had been filed in the U.S. as of May 9. The number is above the historical average of 549 for the time of year, according to AccuWeather Global Weather Center. Texas lead all states with 68 reported tornadoes, followed by Iowa (64), Ohio (60), Kansas (57) and Nebraska (50). Tornadoes aren’t limited to Tornado Alley, either. States from California to New York have seen reported tornadoes, including 34 in Florida.

The number of Southern California residents who have been charged with conspiring to create fraudulent insurance claims to illegally collect more than $350,000. An investigation by the Inland Empire Automobile Insurance Task Force reportedly discovered a large-scale organized auto insurance fraud ring engaged in multiple schemes, including holding vehicles hostage and collusive collisions. The suspects are being charged with insurance fraud, grand theft by trick, and false impersonation.

$1 Million

The amount Heritage Property & Casualty Insurance Co. has been fined by the Florida Office of Insurance Regulation for failing to properly handle hundreds of claims after Hurricane Ian. Heritage officials have agreed to pay the fine plus $10,000 in administrative costs, according to a May 9 consent order signed by Heritage executives and OIR officials. The fine is reported to be one of the largest imposed by Florida’s insurance regulators.

Declarations

The Bee Stings

“The guys did get stung on a regular basis. Everyone got stung at least a couple of times.”

— Fire Chief Travis Leary, of Clinton, Maine, said of first responders who had worked to ensure that the 15 million honeybees that were in hives strapped on tractor-trailer that crashed and overturned on Interstate 95 were safe. The bees, used to pollinate blueberry fields, were mostly contained. Leary, who suffered several bee stings, said responders didn’t immediately realize bees were the truck’s cargo. The driver was taken to the hospital as a precaution.

Farmers in California

“Farmers has operated in California for nearly a century, and while challenges remain, we are encouraged by the positive changes taking place in the state’s commercial insurance marketplace.”

— Eric Coleman, president of Business Insurance for Farmers Insurance, said in a statement after the company announced it will resume accepting new business commercial multi-peril applications for auto service and repair, habitational, manufacturing, real estate and wholesale distribution policies in California. Farmers had previously lifted its temporary moratorium on writing new commercial automobile insurance policies in the state.

Everybody at Risk

“Everybody in Florida is at risk.”

— Michael Brennan, director of the National Hurricane Center, said while visiting Sanford, Florida, a landlocked city in the middle of the Sunshine State. Brennan was among the U.S. officials who predict, prepare for and respond to natural disasters who visited Sanford, bringing a message for all Floridians: It’s not a matter of if a hurricane will hit, but when. The 2024 hurricane season is expected to be busier than average, according to forecasters.

Strengthen Oklahoma Homes Act

“I am grateful to legislative leaders and the Governor for understanding our goal to help Oklahoma consumers reduce their homeowners insurance rates and fortify their homes against mother nature.”

— Oklahoma Insurance Commissioner Glen Mulready said after Gov. Kevin Stitt signed into law the Strengthen Oklahoma Homes Act, which aims to provide financial grants to construct or retrofit homes, making them more resilient against the destructive forces of tornadoes, windstorms and hail. Grants will be made available by the Oklahoma Insurance Department to residential property owners who meet specific eligibility criteria.

Full Replacement Coverage

“Requiring full replacement coverage and an annual verification would come at a higher cost and may not always be the best choice for homeowners.”

— Jimi Grande, with the National Association of Mutual Insurance Companies, said after Fannie Mae and Freddie Mac decided to hold off on an apparent plan to scrutinize mortgages on homes that don’t carry full replacement value insurance coverage. The decision “creates an opportunity to speak with insurers and other stakeholders to gather more information about the problem of underinsurance, what they can do to help, and how they can best go about it,” Grande said in a statement.

‘No Authority’

“EEOC has no authority to resolve these highly controversial and localized issues, which are properly reserved for Congress and the states.”

— A lawsuit filed by 18 Republican-led U.S. states seeks to block the U.S. Equal Employment Opportunity Commission from enforcing broad legal protections for transgender workers. The complaint filed in federal court in Knoxville, Tennessee, alleges the federal workplace bias agency lacks the power to assert that federal law requires employers to use transgender workers’ preferred pronouns and allow them to use bathrooms that match their gender identity. The EEOC in its guidance says denying accommodations to transgender workers amounts to workplace harassment based on sex.

Business Moves

National

Neptune Flood, Charles River Data

Private flood insurer Neptune Flood reported it acquired Charles River Data, a Boston-based data science consulting group.

Charles River Data was founded by data scientists from Google and BCG GAMMA to offer custom data science solutions on a project-level or ongoing basis. Its team members have worked on geo-analytics, financial modeling, statistical and causal analysis, image recognition, natural language processing, personalized marketing, optimization and other machine learning tools.

Trevor Burgess is CEO of Neptune Flood. Mike Dezube, CEO of Charles River Data, spent eight years as a data scientist at Google before co-founding Charles River Data with Gleb Drobkov, most recently a consultant at BCG X. Dezube joins as Neptune’s chief data science officer and Drobkov will be chief strategy officer.

Florida-based Neptune offers private flood insurance for residential, commercial, and condominium properties throughout the country.

PCF Insurance Services, All Star Insurance, Encore Advisors

PCF Insurance Services, an insurance brokerage operating in 40 states, has acquired All Star Insurance in Venus, Texas, and Encore Advisors, based in Norcross, Georgia.

Utah-based PCF offers commercial and personal lines along with benefits and

workers’ compensation plans.

Encore Advisors, founded in 2007, is considered a boutique benefits brokerage for clients that have less than 1,000 employees.

All Star Insurance has specialized in trucking industry insurance needs since 2017.

East

Hub International, William R. Cargill Insurance Agency

Insurance broker Hub International Ltd. has acquired the assets of William R. Cargill Insurance Agency Inc.

Based in Topsfield, Massachusetts, Cargill Insurance is a family owned and operated insurance agency providing coverage for home, auto, personal umbrella, boat and life insurance, and commercial and general liability insurance.

Founder William “Bill” Cargill, Jr. and the Cargill Insurance team will join Hub New England.

Cargill Insurance will be referred to as William R. Cargill Insurance Agency, a Hub International company.

Hub International is headquartered in Chicago.

Midwest

Hub International, True North Group

Hub International Ltd. acquired the assets of True North Group Insurance Services LLC (True North Group).

Located in Howell, Michigan, True North Group is an independent insurance agency

that focuses on commercial insurance and employee benefits. The True North Group team will join Hub Midwest East.

True North Group will be referred to as True North Group Insurance Services LLC, a Hub International company.

Arthur J. Gallagher, Acumen Advisors

Insurance broker Arthur J. Gallagher & Co. has acquired Cedar Rapids, Iowa-based Acumen Advisors Inc.

Acumen is an employee benefits consultant serving small and mid-size businesses throughout Iowa. Andrew Morf, Kirby Moss and their team will remain in their current locations under the direction of Tom Lannen, head of Gallagher’s Midwest region employee benefits consulting operations.

Arthur J. Gallagher & Co. is based in Rolling Meadows, Illinois.

South Central

USI, Hignojos Insurance Agency

USI Insurance Services has acquired Odessa, Texas-based Hignojos Insurance Agency.

Founded in 2009, Hignojos Insurance Agency is an independent brokerage firm specializing in commercial and personal risk insurance programs.

Higginbotham, Barnard Insurance Group

Higginbotham acquired Barnard Insurance Group of Wichita Falls, Texas.

Family owned and operated since 1931, Barnard is an independent agency with services that include personal, life and health, and commercial coverage. Barnard specializes in oil and gas (energy), construction, hospitality, manufacturing, technology, transportation, and health care.

Higginbotham is based in Fort Worth, Texas.

Inszone, Brazos Valley Insurance Agency

Inszone Insurance Services has acquired Waco, Texas-based Brazos Valley Insurance Agency.

Brazos Valley Insurance Agency was established on Jan. 1, 1988, through the merger of two early 20th-century agencies:

Dumos & Goble Insurance Agency and Smith-SoRelle Insurance Agency. The agency offers personal and commercial insurance.

Sacramento, California-based Inszone is an insurance brokerage firm that provides property/casualty insurance and employee benefits solutions.

Alera Group, Trimble-Batjer

Alera Group has acquired San Angelo, Texas-based Trimble-Batjer.

Founded in 1883, Trimble-Batjer provides surety and bonds, business solutions, employee benefits and insurance coverage for auto, home, health and life. The agency specializes in construction, oil and gas, farm and ranch, life science and manufacturing. The Trimble-Batjer team will continue serving clients in their existing roles.

Alera Group is headquartered in Deerfield, Illinois.

Southeast

Arbol Inc., Centauri Insurance

A subsidiary of New York-based Arbol Inc., a firm that specializes in climate risks for businesses, including parametric insurance products, has acquired Sarasota, Florida-based Centauri Insurance from Applied Underwriters.

Centauri will become part of Arbol’s newly launched Lilypad Insurance, subject to regulatory approval. Lilypad plans to offer homeowners’ and other property insurance in coastal areas in Louisiana and other states. Centauri is licensed in 10 states, including Alabama, Florida, Hawaii, Louisiana, Massachusetts, Mississippi, North Carolina, Oklahoma, South Carolina and Texas.

The Centauri team will move to Lilypad, and operations and policies for Centauri Specialty Insurance Co. and Centauri National Insurance Co. will continue without interruption. Ricardo Espino, who was with Centauri for a number of years, is now CEO of Lilypad.

Centauri was formed in 2006 and has specialized in catastrophe coverage.

Omaha-based Applied Underwriters acquired Centauri in 2021.

Higginbotham, Adams Benefits

Texas-headquartered Higginbotham reported it has added Adams Benefits of Boca Raton, Florida.

Adams Benefits has been in operation since 1975, advising south Florida businesses on human resources and regulatory compliance.

Blair Adams III is president and Meaghan Haines is vice president.

West

Inszone, Van Oppen & Co. 2, Tri-Cities Insurance Professionals

Inszone Insurance Services acquired Van Oppen & Co. 2 in Wyoming.

Founded in 2008 by Rick van Oppen, the firm specializes in serving the needs of the architectural, engineering and environmental sectors.

Inszone Insurance Services also acquired Tri-Cities Insurance Professionals LLC, a multi-member managed broker agency

located in Pasco, Washington.

Tri-Cities Insurance Professionals was founded by Craig Baumgartner, Gerald Tobias, Darwin Walter and Jorge Torres.

Hub International, Merriwether & Williams Insurance Services

Hub International Ltd. has acquired Merriwether & Williams Insurance Services Inc., which has locations in San Francisco and Los Angeles, California.

The firm provides contractor development and bonding programs, aligned risk management and special project consulting, and insurance brokerage services.

President and CEO Ingrid Merriwether and the Merriwether & Williams team will join Hub Central & Northern California.

Merriwether will become president of Hub Aligned Risk Management Services.

Merriwether & Williams will be referred to as Merriwether & Williams Insurance Services Inc., a Hub International company.

National

Zurich North America, headquartered in Schaumburg, Illinois, named Kara Higginbotham head of professional liability and cyber for U.S. national accounts, leading a team of underwriters who serve Zurich’s largest U.S. corporate and middle market companies. Higginbotham joined Zurich as head of corporate accounts for the professional liability and cyber team in 2018.

southern region, joins the company from Zurich Insurance Group.

Marcus Cooper, regional executive, U.S. central region, was previously head of distribution for Everest Insurance North America.

president of finance and operations, and treasurer. Gilbert joined Vermont Mutual in 2017 as controller and was promoted to VP and CFO in 2021.

Midwest

WTW, headquartered in London, appointed Danielle Lombardo chair of the real estate, hospitality, and leisure (REHL) division, corporate risk and broking (CRB) North America. Lombardo has more than 15 years of experience in the insurance industry, focused on real estate.

WTW also appointed Alex DeLaricheliere as strategy and execution leader and banking subvertical leader within the financial institutions and professional services (FIPS) industry division of corporate risk and broking, North America. DeLaricheliere has over 20 years of industry experience, most recently serving as managing director at Marsh.

Michael Cellura, regional executive, U.S. western region, was previously head of international facultative reinsurance for Everest.

East

USQRisk, headquartered in New York City, hired Ashleigh Sears as head of casualty. Sears previously served as northeast division leader, Hartford Excess Solutions, The Hartford Insurance Co.

The Liberty Company Insurance Brokers, headquartered in Gainesville, Florida, named Andrew Bernau senior vice president, commercial lines producer. He is based in Chicago. Bernau most recently served as vice president, property/casualty, at Presidio (Acrisure Agency Partner).

Risk Strategies, based in Boston, appointed Marshall Heron national real estate practice leader. Heron has over 25 years of insurance brokerage experience, most recently serving as president at Insurance Group of America LLC.

Everest Insurance, the insurance division of Everest Group Ltd., headquartered in Hamilton, Bermuda, appointed four U.S. regional executives as part of realigning its retail business into four regions.

Craig Hanrahan, regional executive, U.S. northeastern region, joins Everest from Chubb.

Marissa Jennings, regional executive, U.S.

Timothy Folk joined Alliant Insurance Services, headquartered in Irvine, California, as executive vice president, Alliant Specialty, in the firm’s agribusiness industry vertical. Folk will lead and grow Alliant’s presence in the Philadelphia market.

Powers Insurance and Risk Management, basedin St. Louis, hired Mike Blankenship as commercial lines account manager. He has nearly 10 years of insurance experience, most recently as an account manager at USI Insurance Services.

Scott Reinke joined Intact Insurance Specialty Solutions, headquartered in Plymouth, Minnesota, as chief underwriting officer for its transactional surety team. Before joining Intact, he was senior vice president of transactional surety at Arch Insurance Group.

JM Wilson, headquartered in Portage, Michigan, hired Corey Kemp as transportation renewal underwriter, covering Ohio, Kentucky, Pennsylvania, Virginia, West Virginia and the eastern U.S. He has over eight years of experience in auto underwriting.

Vermont Mutual Insurance Group, based in Montpelier, Vermont, promoted  Brody N. Gilbert to senior vice

Leif Assurance, headquartered in St. Louis, hired Kristine Sills as a commercial lines account executive. Sills most recently served as an account executive at POWERS Insurance and Risk Management. Leif also promoted Melinda Langworthy to the role of enterprise relationship manager. She previously was a senior sales account executive. Langworthy holds the Professional Worker’s Compensation Advisor (PWCA) and Small Business Coverage Specialist

Kara Higginbotham

Alex DeLaricheliere

Craig Hanrahan

Marissa Jennings

Marcus Cooper

Michael Cellura

Ashleigh Sears

Timothy Folk

Corey Kemp

Andrew Bernau

Mike Blankenship

Kristine Sills

Melinda Langworthy

(SBCS) designations.

South Central

XPT Specialty, headquartered in New Haven, Connecticut, hired Jody Travis as vice president and senior underwriter in its Houston office. Travis has over 30 years of experience in the commercial sector.

Higginbotham made several promotions within the financial services division. Long-time executive team member Michael Parks has been elevated to the role of president, financial services. Koby Hackradt takes over Parks’ previous leadership duties as chief operations officer (COO), employee benefits, and Carter English joins Hackradt in overseeing employee benefits in a new chief business officer role.

Southeast

The Liberty Co., based in Gainesville, Florida, named two insurance industry veterans to executive positions.

Bill Allen, who was previously executive vice president at Hays Companies, will be president of middle markets property/ casualty at Liberty.

Parks will focus on executive strategy in a role that oversees many departments — including employee benefits.

Promoted from managing partner to COO, employee benefits, Hackradt has been with Higginbotham for over 14 years.

English was promoted from managing partner to chief business officer, employee benefits after eight years with Higginbotham.

Alliant Insurance Services, headquartered in Irvine, California, named Michael R. Smith as executive vice president, Alliant Specialty, in the financial institutions industry vertical. Smith is based in Dallas.

Alliant also hired John R. “Johnny” Braniff Jr. as an executive vice president within its Alliant Americas division. He is based in Houston.

Tom Hayes, formerly national sales leader for employee benefits at the McGriff brokerage, will be executive vice president of national sales and growth for employee benefits. Hayes has more than 30 years in the insurance industry, including time at Rebsamen Insurance, in Arkansas.

West

Woodruff Sawyer promoted Dave Erickson to employee benefits practice leader. Most recently, he led Woodruff Sawyer’s employee benefits operations. Before joining Woodruff Sawyer in 2018, he was director of technical finance at Burnham and an analyst at Alliant.

The Surplus Line Association of California (SLA), headquartered in San Ramon, California, elected Rich Gobler of Burns and Wilcox as chair of the SLA board of directors.

Also elected were John Washington, Arch Insurance Group, as vice chair and Sarah Nichols, Crum and Forster, as secretary/treasurer. Outgoing chair Janet Beaver, Aurenity, remains on the board as past chair. Kristopher Bauer of Jencap Specialty and Jon Larson of ACE Westchester joined the 13-member board.

James Lawrence joined Alliant Insurance Services as executive vice president, Alliant Specialty, construction services group. He is based in Los Angeles.

Alliant also hired Angie Brown as first vice president and consultant for the employee benefits group in Alliant’s absence, disability and life insurance practice. She most recently was sales director and absence practice leader at Majesco.

Jody Travis

Michael Parks

Koby Hackradt

Carter English

Michael Smith

US Workers’ Comp Line Still Showing Strong Profits, Lower Claim Frequency

By William Rabb

Net written premium in the U.S. workers’ compensation insurance market grew by just 1% from 2022 to 2023, a far smaller percentage than most other property/casualty lines.

However, the workers’ compensation line remains the most profitable segment, with a combined ratio well under 100, according to the National Council on Compensation Insurance (NCCI), which provides analysis and recommendations on workers’ comp loss costs and rates in 38 states.

“The overall numbers for workers’ compensation show a financially healthy system,” Donna Glenn, NCCI’s chief actuary and lead presenter at the organization’s recent Annual Issues Symposium held in Orlando, Florida, said in a statement.

The combined ratio climbed slightly for calendar 2023, to 86, something NCCI actuaries attributed to a slight bump in the average loss ratio nationwide. Last year was the 7th consecutive year with a combined ratio below 90, Glenn noted.

Net written premium for workers’ comp private carriers grew from $42.5 billion in 2022 to $43 billion in 2023.

For the P/C industry as a whole, net premium climbed by more than 10%, to $851 billion, the NCCI’s State of the Line

CIAB: Commercial P/C Premiums Increase 7.7% in Q1 2024

By Chad Hemenway

Overall commercial property/casualty premiums increased slightly for all account sizes to 7.7% on average in the first quarter 2024, according to The Council of Insurance Agents and Brokers’ Q1 Market Survey.

With the 7.7% average increase in Q1, there have been 26 straight quarters with increases though there were signs of moderation in premium increases across individual lines of business. Each line was either flat or lower than the previous quarter, with the exception of commercial auto where premiums increased by an

average of 9.8%, up from 7.3% in the last quarter 2023.

The average first quarter increase for commercial property was 10.1% — lower than last quarter and much lower than the 20.4% average increase from Q1 2023 — but still the highest increase out of all lines. CIAB said respondents still found com-

report shows.

The workers’ compensation line reserve redundancy grew to $18 billion.

Other highlights from the symposium:

• Lost-time claim frequency declined by 8% in the past year. Frequency continues its long-term decline.

• Workplace safety has contributed to a steady decline in injuries over the last two decades, helping to produce annual rate decreases in most U.S. states. Safety technology is now expanding into more industries and evolving into a broader range of applications. “It is clear that safety technologies will be a vital part of future safety initiatives. They may even be a gamechanger for evaluating and improving workplaces and reducing injuries,” said Damian England, executive director

of affiliate services for NCCI.

• Severity changes were considered moderate for 2023 with increases of 2% for medical claim severity and 5% for indemnity claim severity.

• Inpatient cost per claim rose modestly. That’s largely from a decrease in utilization of 22% since 2012, said Raji Chadarevian, executive director of actuarial research at NCCI. “This is fueled by a dramatic drop in admissions and a shift of surgeries to an outpatient setting. By contrast, inpatient prices have grown by more than 50%,” Chadarevian said.

• Since 2012, a 24% decline in pharmacy costs has come from decreased opioid prescribing and a shift to generic use, which has led to savings in direct pharmacy expenditures and in workers’ compensation settlements, according to Jon Sinclair, director and actuary.

• Payroll increased by about 6% in 2023 — 2% from employment and 4% from wages.

mercial property a hard-to-place risk due to stricter underwriting, property value increases, and detailed submissions.

D&O premiums fell by an average of 0.8% in Q1 2024, one of only two lines to record a decrease in premiums. Workers’ compensation premiums fell 1.8% in Q1.

CIAB cited research from rating agency AM Best, which in March assigned a negative outlook to the U.S. D&O liability insurance segment due to an increase in capacity from new market entrants — driving prices down as concerning risk exposures persist. In its Marketplace Realities report, WTW showed flattened-to-reduced D&O premium outcomes, which are expected to continue in 2024.

A larger number of respondents reported an increase in claims in commercial auto, cyber, general liability, employment practices liability, and umbrella. More respondents said there was an increase in demand for commercial property, commercial auto, umbrella and D&O.

Special Report: Public Entities/Schools

Get an Education on School Liability and Property Risks

By Allen Laman

Discrimination, active assailants and an aging infrastructure — educational institutions today face tough liability and property risks that were uncommon in the not-too-distant past. Pair those with longtime risks like sexual assault and molestation, and the liability insurance market for schools has become a challenging sphere to navigate.

“For K-12 schools, the hardest market, and the market that continues to be hard, is liability,” said Matthew Gowan, senior vice president of Alliant Public Entity. “And that’s almost entirely driven by nuclear verdicts, settlement inflation and SAM [sexual abuse and molestation] claims.”

Settlement inflation has rocked the insurance landscape in recent years. Schools are not immune. Gowan never saw a claim over $25 million in the first 15 years of his career. Now, that price tag is not uncommon.

“It’s the opposite of immune,” Gowan said of school liability insurance. “It’s leading the way, I would say. Just do a quick Google search. It’s not uncommon to see these large verdicts now. And verdicts coming out of brand-new perils.”

In October, a Southern California school district was hit with a $135 million verdict in a molestation case. Gowan said most schools carry “maybe $50 million in coverage,” however. A few months later, that same school district reached a $27 million

settlement in a bullying case.

In California, examples of new liability insurance perils include Assembly Bill 218, which eliminated the statute for commencing an action for recovery of damages suffered because of childhood sexual assault. Other states have passed similar bills.

Additionally, California's Senate Bill 553 requires virtually all employers to develop, implement and maintain an “effective” written workplace violence prevention plan (WVPP), train employees, and create and maintain extensive records regarding workplace violence.

Bullying lawsuits, while uncommon a decade ago, have increased in both frequency and cost. The number of carriers offering liability coverage

for K-12 schools has reduced worldwide, Gowan said, adding that “most brokers that work in K-12 schools spend most of our time on liability insurance.”

Million-Plus Dollar Legal Cases Trending Up

According to Alera Group’s 2024 Property and Casualty Market Outlook, the main concerns for the education sector remain liability exposures stemming from employment practices and sexual misconduct.

The report from Alera Group highlighted a study conducted by United Educators, a risk retention group that provides liability insurance to its members. That study found that there were 71 major damage awards and settlements of at least $1 million that affected

K-12 schools and higher education institutions in 2023. There were 69 damage awards and settlements of at least $1 million in 2022 and 37 in 2021. Losses of $1 million or more totaled $651 million in 2023.

Behind sexual misconduct, discrimination tied for the second-most common publicly reported settlement or award listed in this year’s United Educators’ large loss report.

“Insurers will allocate their capacity to institutions with demonstrated track records for managing risk effectively,” Alera Group’s 2024 Market Outlook said. “When insurers make loss control recommendations, most will expect clients to comply.”

Changing Availability

Greg

Wigfield, president

and founder of Leesburg, Virginia-based National Church Group Insurance, an agency that works with hundreds of private schools across the United States, echoed Gowan’s concerns, pointing to potential sexual abuse, abuse allegations and school violence and security as primary liability concerns.

Sexual abuse and molestation concerns are not new, but their impacts have changed coverage options available today, Wigfield said. Sexual abuse coverage “used to be a giveaway for companies that were in the school business,” according to Wigfield, adding that there was previously little charge for it. That was before a surge that Wigfield said made SAM the No. 1 insurance liability issue in the country around the year 2000.

“There are still companies that won’t even say whether or not they have the coverage,” Wigfield said. “It’s really interesting … they just make it unclear whether or not you have coverage for sexual abuse and different things around that. The companies that are serious about schools and school insurance have the coverage.”

These companies also have supplemental applications to discern what schools are doing to prevent SAM issues from occurring, Wigfield said. If schools don’t meet those standards, “you will get greatly reduced coverage or no coverage whatsoever,” he said. “So, that’s been a big thing.”

Student Protests and Liability Coverage

Students across the country have protested the IsraelHamas war in recent months, and while property risks are

a concern, liability issues can arise, too.

“With any large gathering, whether it be a concert, parade or protest, there is significant liability risk,” explained Tory Brownyard, president of Brownyard Group and program manager for their group’s security and investigative programs.

“The first and most serious risks are bodily injury claims or assault claims. Bodily injury or assault claims can come into play when one attendee attacks another and the client alleges that the security force did not do enough to protect the injured person. Alternatively,

the client or individual could allege that the security officer assaulted an attendee.”

When it comes to protests, Wigfield believes agencies must focus on risk management. Agencies must ask schools questions like, “If a protest happens on your campus, what are you going to do,” he said, but overall, “I don’t think it’s a coverage issue.”

“Companies might make some changes,” he added. “But right now, that’s not on the table at all, I don’t think. I just think it’s a risk management program that needs to be in place. And that can really keep a lot of problems from showing up.”

Aging Infrastructure Risk

In addition to concerns on schools’ liability risks, Gowan pointed to property risks and concerns over aging infrastructure as a “significant issue” for schools.

Across the country, many schools were built in the 1960s and 1970s, he said, and this, combined with damages from recent weather events, has prompted underwriters to ask agencies more detailed questions when securing coverage. An aging school building can affect both property insurance coverage limits and the type of coverage offered, he said.

“Now they ask us, ‘How old is the roof?’” Gowan said. “‘What’s the composite of the roof? What’s the build quality?’”

He’s seen carriers attach higher deductibles to school roofs that are older than 15 years, or only offer actual cash value instead of replacement cost on certain older buildings.

Rural school districts used to be an easier risk to insure

but as wildfire exposures have become more of a concern to underwriters that has changed.

“It’s completely flipped in the last few years,” he said. “Urban schools, where they don’t have the firestorm risk, [and], they’ve got fire departments close by, are sometimes easier to underwrite than rural schools,” he said. “The underwriters worldwide are focused on fire risk more than vandalism risk.”

Risk Management First

When it comes to school liability insurance, “prevention is key on these emerging trends,” Gowan said.

Wigfield added for those who want to be in the business of insuring schools, “you need to come at it from a risk management approach, not a sales approach,” he said. “You might sell a bunch,” he said, “but the company, and the agency are eventually going to get hurt because they just haven’t done the risk management pieces that make insurance work,” he said.

That means learning the market in detail.

“The school market is different than many other markets,” according to Wigfield. “Risk management is huge in so many things. … I think we’ve reached an age in this country where we can’t just go jump into a market and not know what in the world we’re doing.”

He continued: “And today, especially with the hard market the way it is, your underwriter had better be impressed, or you won’t make the sale. And the best way to impress an underwriter is to have a strong risk management program.”

Greg Wigfield

Matthew Gowan

Tory Brownyard

Spotlight: Social Inflation

Nuclear Verdicts Surge to $14.5 Billion in 2023, Report Shows

By Ezra Amacher

Nuclear verdicts of at least $10 million reached a 15-year high in 2023, while 27 verdicts were “thermonuclear,” or more than $100 million, according to a new study by research firm Marathon Strategies.

The report, “Corporate Verdicts Go Thermonuclear,” found that the number of nuclear jury verdicts increased by 27% in 2023 compared to the prior year. In 2023, the median nuclear verdict rose to $44 million, up from $21 million in 2020.

Marathon’s research found that verdicts are increasingly

influenced by shifts in jury pool demographics, driven by a rise of Millennial and Gen X voters. Marathon identified corporate mistrust, social pessimism, erosion of tort reform and public desensitization to large numbers are top factors to why nuclear verdicts have risen over the last decade and a half.

The report found

89 nuclear verdicts against companies in 2023, resulting in jury awards totaling $14.5 billion. The median verdict increased 7.3% from the previous year. Product liability cases represented the largest share of nuclear verdicts at 38%, with much of the total driven by claims that Bayer AG’s weedkiller causes cancer. Nine-figure verdicts against car makers Mitsubishi Motors and Suzuki Motor also drove that total.

Social Inflation Key Factor in Rise of Loss Severity: AM Best

Loss severity for many U.S. casualty lines of insurance business has exceeded economic inflation over the past decade, indicating other factors are influencing claims costs for indemnity and expense payments, according to a new AM Best report.

According to AM Best’s Special Report — Social Inflation Remains a Thorn in the Side of Casualty Insurers — the lines of business most affected by social inflation are commercial auto, professional liability, product liability and directors and officers liability insurance.

“Loss severity for these lines has exceeded the rate of economic inflation, in most cases by double or more, with social inflation likely being

a key factor,” the report stated. The average loss severity increase over the past decade to 2023 in the product liability line was 20.4%, compared with average annual economic inflation of 2.7%.

On the occurrence side, which captures excess liability and umbrella coverage, loss severity increased by an average of 11.1% in the last decade.

The increasing involvement of attorneys in commercial lines is leading to an ongoing rise in claims costs, which negatively affects insurer loss ratios, the report stated.

“The ‘social’ part of social inflation refers to shifting cultural attitudes about who is responsible for absorbing risk — the insurer or the plaintiff — and these dynamics continue

to evolve, which makes social inflation tough to quantify and even more difficult for insurers to predict and mitigate,” said Justin Aimone, associate analyst, AM Best.

“The decline in confidence in big business, as well as in other institutions (e.g., federal government, banks), is a unique problem for insurers, because jury verdicts have shown that many believe a company bears some responsibility even in cases of injury due to misuse of a product,” the report added.

Third-party litigation funding also has been a factor in the rise of social inflation, contributing to worsening loss ratios for excess liability, commercial auto and general liability, leading to higher premiums for consumers.

Understanding how to manage portfolios and claims is expected to remain a critical aspect of insurers’ enterprise risk management to limit severe losses.

Carriers that best understand the nature of the risks in their portfolios and how longer durations will affect their caseloads have a better chance to make needed changes in actuarial parameters and assumptions to deal with social inflation more effectively, the AM Best report added.

Intellectual property claims made up the second-highest share of nuclear verdicts (23%), followed by wrongful death (13%) and antitrust (12%), according to the study.

The report found that cases in state courts represented $9.1 billion, or 62% of nuclear verdic ts, compared to $5.5 billion, or 32%, in federal courts. The discrepancy is mostly due to the largest case category — product liability — going through state venues, the report said.

Show-Me The Money

Missouri was home to the two largest verdicts in 2023: a $1.8 billion antitrust case against the National Association of Realtors (NAR) and two brokerage firms, and a $1.5 billion Roundup case against Bayer AG/Monsanto, the report said. A judge recently slashed Bayer’s $1.5 billion verdict to $600 million.

Texas had the next-highest total of nuclear verdicts

Four states had total nuclear verdict sums more than $1 billion in 2023, led by Missouri with $4 billion. The report said that nearly all the nuclear verdicts in Missouri had been ordered by juries in the St. Louis County Court, a court known for awarding high punitive damages. Missouri allows plaintiffs’ attorneys to request a specific amount for damages.

($3.7 billion), followed by Pennsylvania ($1.2 billion) and Washington ($1.1 billion). Since 2009, Texas has led all states, with 207 nuclear verdicts totaling $45 billion.

Industries Most Impacted

Real estate management and development led all sectors with more than $2.7 billion in total verdicts, the report found. The majority of the total came from the $1.8 billion antitrust lawsuit against NAR and two brokerage firms. In March, NAR agreed to settle litigation over for $418 million.

“Besides its economic impact, the NAR verdict and settlement has pushed

the real estate industry into ongoing public relations defense against the media as well as the Biden administration,” the report said.

Chemicals were the second-most impacted industry with $2 billion in total verdicts, followed by automobiles ($1.1 billion), oil and gas ($798 million), home furnishings ($787 million) and food, beverage and tobacco ($745 million).

Marathon’s findings were compiled using verdict and settlement data from LexisNexis, the National Law Review, various state and federal court records databases, legal journals, white papers, and media reports, among other sources.

Idea Exchange: Agency Management

Exploring AI: Fascination with AI, Not Fear Will Drive Success for Independent Agents

Iremember watching Michael Crighton’s “Westworld” in 1973. Two vivid impressions from that experience remain. The first was my date breaking my glasses when she screamed and threw her arms open during a startling scene. The second was the completely believable world depicted in the film where robots replaced humans in every imaginable situation. Fast forward to 2018 when I first encountered incredibly lifelike AI-powered avatars from Soul Machines designed to improve the customer experience, which for me, brought Crighton’s vision to digital life.

By Tony Caldwell

tial growth curve in AI capability, cost and disruption, how should agents think about it and their futures?

Embracing AI Will Support Independent Agents, Not Replace Them

Humans often react to change, especially sudden and profound change, with fear, which in turn can trigger the classic “fight” or “flight” reaction. Neither is appropriate here. Generative and Predictive AI, machine learning and similar technologies are not going away. Moore’s Law and its corollaries famously predicted the computing capability that power and continues to drive the exponential increase in AI capabilities. So, flight is impossible. And fighting the future never works out well.

evolving capabilities. In fact, fascination with this new tool is the appropriate response. It will enable us to open our thinking to ways that technology can continue to drive costs from our businesses, increase our capabilities to grow, and liberate us from the drudgery of tasks that we dislike.

So, what will all this mean for the future of the insurance agent and how can should we focus that fascination? I say we focus our efforts on learning how AI can support us and help us to enhance how we serve our clients, how we sell and how we manage the business.

Breaking Down the Benefits

I watched a demonstration in fascination as their avatars answered hundreds of questions for credit card companies and assisted customers with booking complex airline travel. After speaking with Soul Machine’s CEO Greg Cross, I wrote an article predicting the demise of the customer service agent in insurance agencies as I envisioned a laptop replacing office buildings full of cubicle dwellers. That hasn’t happened — yet. But technology like this that had a price tag of hundreds of thousands of dollars in 2018 is now available starting at $29 dollars a month. Artificial intelligence capability is truly evolving at an exponential speed while costs for the tools are falling just as fast. Most of this life-changing development has been invisible because, as Peter Diamandis, serial entrepreneur, and host of the tech conference “Abundance 360” says, digital technology is “deceptive until it’s disruptive.” With ChatGPT emerging into our consciousness last year, insurance professionals have struggled to grasp how profoundly our industry will change in the next five years — and, more importantly, how to not be left behind.

So, as we enter the knee of the exponen-

That leaves us with a second option — learning all we can about these new and

Service. As the Soul Machines example demonstrates, the ability to automate most customer service tasks is rapidly evolving. Eventually, AI will answer the phone

News & Markets

California Trucker Death Led to Workers’ Comp Investigation That Found $2M in Underreported Payroll

An investigation that began after an employee was found dead in a company owned semi-truck led to the arraignment of a California man on

three felony counts of workers’ compensation fraud.

Heigo Kubar, 84, of Fresno, was arraigned on three felony counts of

workers’ comp fraud after a Central Valley Workers’ Compensation Fraud Task Force investigation reportedly discovered Kubar allegedly underreported over $2 million in payroll to save on workers’ comp for his trucking company.

Kubar is the former owner of TKJ Trucking. Kubar’s insurer became suspicious and began an investigation following an incident in which a TKJ Trucking employee was found dead in company owned semi-truck. The insurer reportedly found that leading up to the death of the employee, Kubar had classified the employee as a company salesperson, not a truck driver. Less than a month after the death, TKJ Trucking amended the employee’s job classification to truck driver.

An investigation led by the Fresno County District Attorney’s Office found the dead employee was working for TKJ Trucking as a truck driver for roughly 15 years. At the time of death, the cost to insure a sales person was roughly $1 for every $100 in payroll, but the cost to insure a truck driver was roughly $20 for every $100 in payroll.

An audit by the California Department of Insurance was as part of the task force investigation. It showed that between Dec. 1, 2018 to Dec. 1, 2021, TKJ Trucking had workers’ comp coverage and reported $875,591 in employee payroll. However, the company actually had a reported $3,233,899 in payroll, an underreporting of $2.3 million, resulting in insurance premiums of $480,093 owed to the insurer.

The case is being prosecuted by the Fresno County District Attorney’s Office. Kubar is scheduled to appear in court next on Aug. 14.

News & Markets

Washington Contractor, Grower Face $650K in Fines After Worker Dies in Apple Storage Room

Two Washington companies face a combined $650,000 in fines for violations in connection with a worker who died from asphyxiation after entering

an apple storage facility where the oxygen had been removed from the air.

The incident on Oct. 1, 2023. involved a worker for Pace International LLC, who

was at the Stemilt Growers’ controlled atmosphere room to apply a fog fungicide to help preserve the apples. A Stemilt employee reportedly had unlocked the room to allow him in.

According to an investigation by the Washington State Department of Labor & Industries, a Stemilt employee’s oxygen monitor alarm sounded when near the open entry port, signaling the room was oxygen deficient. However, the employee reportedly didn’t point it out to the Pace worker, and allowed him to enter the storage room and work alone.

In controlled atmosphere rooms, oxygen can be depleted to nearly 1% to keep the fruit from spoiling. L&I inspectors said air monitor readings that morning ranged from 1.9 to 2.09% oxygen (normal oxygen at sea level is roughly 21% of the atmosphere), according to investigators.

Another Pace employee eventually found him inside the room and unresponsive.

Pace's training handbook states that workers are permitted to enter controlled atmosphere rooms when the oxygen level is 17.5%. State regulations require the oxygen level to be at 19.5% or higher, according to investigators.

Pace was fined $574,000 for eight willful serious and two serious violations related to confined space hazards and disturbing the scene. Pace is now subject to greater scrutiny by the state. It is appealing the fines.

Stemilt was fined $76,300 for one willful serious and one serious violation related to confined space rules to protect workers. It did not file an appeal, according to L&I.

and speak directly with customers using natural learning language to solve their problems, file their claims and perform other fairly mundane tasks. Insurance industry AI applications aimed at enhancing customer service or streamlining operations like GAIL and Capacity are already in the market and dozens more are in development. Applications like Otter.ai, which converts speech to text, have been used for years to document conversations, and in our industry to improve service and beef up E&O capability. Further, applications like Gaya, allow browser-to-browser data entry promising to supercharge productivity.

In embracing AI, key things to ask are:

• What are the tasks that have the lowest value in our service model?

• What are our most repetitive tasks and frequently requested services?

• What are the tasks where error can destroy our relationships, but performance does not enhance it?

All of these tasks can be automated to one degree or another and within

five years, all of them will be automated routinely. By asking yourself these questions, you will have an excellent chance to recognize the solutions as they come on the market because, as Dan Sullivan, founder of The Strategic Coach program, says, “The eyes only see, and the ears only hear, what the mind is looking for.”

As you coach and develop your service team, recognize they will be increasingly fearful of their job security. I believe the AI-empowered employee will become increasingly valuable not obsolete. Ask these key people what they love most about their work and look for ways AI can provide more time for relationship-focused tasks like customer nurturing by providing the capabilities for more complex problem solving. Not only will your future workforce be more efficient and your business less concerned with the shrinking labor force due to demographic changes, but you will increasingly become an employer of choice for Generation Z and millennials who are fascinated by these technologies.

Sales. A few years ago, I estimated email consumed 25%-30% of my time. A solution was to turn it over to a human assistant. Today, AI programs like Shortwave, Sanebox and Copilot do it faster, better and cheaper. The time salespeople get back is obviously enormously valuable.

Automating prospecting via AI has tremendous potential for agents and many tools are already available. Perhaps even more valuable are the tools that allow prospect research at scale enabling salespeople to be better prepared for prospect outreach. Check out Warmer.ai, Humantic. ai and similar applications for ideas on improving your results now.

As you think about how to improve your sales results, time efficiency is paramount. Scheduling, mapping, email, research (where the now nearly ubiquitous ChatGPT can excel) and application completion tools are all available now and improving rapidly. Some examples of questions to ask yourself are:

• Where are my sales bottlenecks that AI can possibly remove?

• What are my most time-consuming tasks that keep me from spending time

with clients and how can AI assist?

• How can I use AI to improve my research and understanding about where my carriers, market niches and geography intersect so I can waste fewer resources and improve speed to market?

Business Management. There are many other parts of our businesses from claims processing, proposal generation, accounting, and general administration and management where AI tools can provide significant improvement in efficiency and productivity and will continue to increasingly in the future. For some agencies these tools may have the potential for an even more immediate impact on business management than in sales or service functions. One way to approach thinking about discovering AI solutions for these tasks is to take regular note of the things that frustrate you:

• Do you struggle in hiring?

• Does your benchmarking work show you are not operating in the top 25% of all agencies?

When I interacted with my first digital human, as Soul Machines calls their incredibly lifelike avatars, I was excited by its potential. I realized I couldn’t have a relationship with it because everything it did was calculated and did not stem from emotion. This was tremendously exciting because it reinforced my belief that the most valuable skill that I, and most successful agents, have is our ability to connect, build personal relationships and create trust based on those human connections.

Artificial intelligence, in all its forms, has continued to show me that it will increasingly remove drudgery and unwanted tasks while speeding up things and allowing us more opportunity to excel at the parts of our business we are uniquely wired to do.

When it comes to AI, I’m fascinated, not fearful. I hope you will be too.

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

Idea Exchange: Workers' Compensation

Cabin Pressure: A Firsthand Examination of the Realities of Airline Worker Risks

For airline passengers and workers alike, it feels like trouble is lurking behind every cloud of late. Frightening scenes of a door plug flying off an airplane mid-flight have dominated news coverage. Clips of collisions and near-misses on the tarmac seem to pop up with alarming regularity. Viral videos of unruly, misbehaving passengers tend to populate our social media feeds.

By Sarah Thomas

Each of these isolated incidents captures the public’s attention. But do they accurately reflect a larger reality? And if so, does it mean airline workers face greater risks today than they did a few years ago?

As the managing partner of a leading workers’ compensation defense firm, I have had the unique opportunity to go beyond the viral videos and examine the situation from a firsthand perspective.

Seeing Risk From a Flight Attendant’s Point of View

While defending workers’ compensation cases provides me with a detailed look at the risks that airline employees face, it only offers a partial view. To get the full picture, I needed to see precisely what workers go through every day.

Last year, I had the unique opportunity to experience life as an airline worker from a first-hand perspective. One of Jones Jones LLC’s airline clients allowed me to participate in several days’ worth of flight attendant training. It was an eye-opening experience.

During the training, we worked inside a replicated airplane cabin to recreate many scenarios an airline worker needs to be prepared for on any given flight. It did not take me long to realize that a flight attendant’s job goes far beyond the front-facing work that passengers see, such as taking tickets and distributing drinks and snacks. Flight attendants must be prepared for

anything and everything, including major medical events. In the event of a medical emergency, flight attendants are first responders. They are responsible for every passenger’s safety on every flight, and they receive extensive training in preparation. They also serve as vital links between an airplane in the sky and doctors on the ground.

I left this training with a profound amount of respect for flight attendants and all airline employees. Additionally, I learned that airline employees receive extensive training to prevent injuries and perform their jobs in the safest manner possible. Despite this exhaustive training, flight attendants still face a number of risks and inevitable incidents both in the air and on the ground. However, the firsthand perspective that this training exercise provided allowed me to better understand the reality of the risks, rather than what is reported by the media or in the court room.

More Cases or More Media?

While the recent uptick of airline incidents in the news may portray higher risks for airline workers, today’s media landscape may be more of a contributor to this assumption than actual risk.

Today, millions of people worldwide can take high-quality photos and videos of all manner of human engagement on their smartphones, upload files to social media feeds and send clips to mass media outlets in real time. Such technological advancements also give consumers unprecedented access to breaking news about airline-related incidents. Increased coverage does not, however, equate to an increased risk of worker injuries or a higher number of claims.

In New York, we have not seen a direct upswing in the number of airline-related workers’ compensation claims in recent years despite the added media attention. However, with more attention and immediate access to videos and media stories

comes the potential for more claims. This type of scenario could feasibly play out on a per-incident basis, where multiple airline workers may see a viral video of a similar incident to one they have previously encountered and choose to retroactively file a claim.

Top Risks Airline Workers Face

While viral videos sensationalize the types of risks airline employees could face, the reality is far less glamorous. A review of workers’ compensation claims data reveals the five top risks in the airline continued on page 27

‘A review of workers’ compensation claims data reveals the five top risks in the airline industry have more to do with repetitive action and small incidents than major aircraft malfunction ...’

continued from page 26

industry have more to do with repetitive action and small incidents than major aircraft malfunction or unruly passengers. Typical claims often include:

1. Muscle strains: Overuse injuries rank as the number one workers’ compensation claim for airline employees in New York. This is due to the day-to-day rigors of the job, including repeated baggage handling and moving about the cabin. Most employees who file claims report symptoms relating to shoulder, neck, elbow and back pain.

2. Cabin pressure sickness: If you have

ever chewed a stick of gum on an airplane to reduce the “popping” in your ears, you are familiar with the effects of cabin air pressure fluctuations. Severe air pressure changes can cause earaches, ear injuries and sinus pressure, all of which can trigger injuries that lead to a workers’ compensation claim.

3. Injuries caused by turbulence: Turbulence is a common occurrence, but sometimes it can be intense. When this happens, it can lead to head injuries and other conditions with potentially grave consequences. This risk escalates when an airline employee does not have time to

buckle themselves into a seat safely as the plane hits rough air.

4. Cabin door injuries: Airplane doors are extremely heavy. Airline workers must follow a specific and complex protocol to open and close the door, and the process varies depending on the type of plane. Such a repetitive motion can lead to muscle injuries for airline workers, as well as bruising or even contusion if something goes wrong with the process and an airline worker is knocked down or into an object. Proper training can help reduce the risk for these types of injuries.

continued on page 69

2024 Annual Program Directory, Summer Edition

Welcome to Insurance Journal’s 2024 Program Directory, Summer Edition. Information contained in this directory has been compiled by Insurance Journal’s staff as a resource for readers. For purposes of this directory, a program is defined as “a group of coverages designed specifically for any given risk or class of business.”

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

To list a market online free of charge, visit: www.insurancejournal.com/directories.

Step-by-step instructions guide users through the listing process. To be listed in the print version of IJ’s Program Directory, please send an e-mail to: khoney@insurancejournal.com

& Underground Mining Co’s

Transportation Pollution Liab Carrier Status Admitted, Non-admitted States All States

Beacon Hill Associates

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

Freberg Environmental Inc.

Coverages

Property, Truck Auto Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Virtue Risk Partners LLC

Coverages Environmental Liab, Pollution Liab Carrier Status Non-admitted States All States

Accountants/CPAs

5Star Specialty Programs

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

Berkley Select | a Berkley Company

Coverages E&O, EPLI, Professional Liab

Carrier Status Admitted, Non-admitted States All States

Landy Insurance Agency

Coverages BOP, Crime, Cyber Liab, D&O, EPLI, Professional Liab, Workers’ Comp Carrier Status Admitted

States All States except AK, LA

Norman-Spencer International Inc.

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

Philadelphia Insurance Companies

Coverages BOP, E&O, Identity Theft Carrier Status Admitted

States All States except LA

Professional Insurance Concepts

Coverages E&O, EPLI, Professional Liab

Carrier Status Admitted States All States

R.V. Nuccio & Associates

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

Target Professional Programs

Coverages E&O, Professional Liab

Admitted States All States The McGowan Companies

Coverages E&O, Professional Liab

States All States

Addiction Treatment Facilities

Addiction Treatment Providers Insurance Program

Coverages Abuse & Molestation, Auto Comm-Standard, Business Income, Cyber Liab, GL, Hired & Non-owned Auto, Liability, Medical Malpractice, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except NY

AllComp Solutions

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

Carrier Status Admitted States All States

Irwin Siegel Agency

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

Negley Associates

Coverages CGL, Professional Liab

Carrier Status Non-admitted States All States

Nonprofits Insurance Alliance

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

Carrier Status Non-admitted States Most States

Philadelphia Insurance Companies

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

Quaker Special Risk, a Jencap Company (Florida) Coverages Abuse & Molestation, CGL, EPLI, GL, Liability, Professional Liab, Umbrella Carrier Status Non-admitted States Most States

Quaker Special Risk, a Jencap Company (Mass.) Coverages Abuse & Molestation, CGL, EPLI, GL, Liability, Professional Liab, Umbrella Carrier Status Non-admitted States Most States

Quaker Special Risk, a Jencap Company (New Jersey)

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

Administrative Service Org’s

Ryan Specialty National Programs

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

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

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

Adoption Agencies

Nonprofits Insurance Alliance

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

RPS Signature Programs

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

Adult Care Facilities

Amalgamated

CGL, Professional Liability

Carrier Status Non-admitted States All States except KY

Union General Insurance Services Inc.

Coverages GL, Professional Liab, Property Carrier Status Admitted, Non-admitted States AZ, CA, NM, NV, OR, TX, UT, WA

Adult Clubs

MAXIMUM

Coverages Abuse & Molestation, Accident & Sickness, Addiction Treatment, Assault & Battery, Business Income, CGL, Crime, D&O, EPLI, Fire, Flood, GL, Hired & Nonowned Auto, Identity Theft, Legal Liability, Liability, Liquor Liability, Personal Property, Professional Liability, Property, Sexual Misconduct, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Agribusinesses

Agricultural Insurance Mgmt Services

Coverages Auto Comm-Standard Liability, Care/Custody/ Control, CGL, Commercial Excess, Equipment Breakdown, Excess Liab, Horse Mortality, Property, Umbrella Carrier Status Admitted States Most States

Mark D. Fredricksen Insurance Services

Coverages Auto Comm-Standard, Commercial Excess, Property Carrier Status Admitted States All States except AK, DC, HI

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

Professional Program Ins. Brokerage, a Div of SPG Ins. Coverages Abuse & Molestation, CGL, Liability Carrier Status Non-admitted States All States

XPT Specialty

Coverages CGL, Inland Marine, Pollution Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States

Aircraft Manufacturers

ABC Aviation Program

Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Business Interruption, Crime, Legal Liab, Property Carrier Status Admitted States All States except WV

Aircraft Repair/Service

ABC Aviation Program

Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Business Interruption, Crime, Cyber Liab, Legal Liab, Property Carrier Status Admitted States All States

Applied Underwriters Inc.

Coverages Cargo, Commercial Excess, D&O, Equipment, Excess Liab, Property, Workers’ Comp Carrier Status Admitted States All States

Airport Owners & Operators

ABC Aviation Program

Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Business Interruption, Crime, Cyber Liab, Legal Liab, Property Carrier Status Admitted States All States

Applied Underwriters Inc.

Coverages Combo Personal & Commercial, Liability, Workers’ Comp Carrier Status Admitted States All States

Alarm Monitoring Companies

Arrowhead General Insurance Agency Inc.

Coverages Care/Custody/Control, E&O, GL, Property Carrier Status Admitted States All States

Balance Partners - Maven

Coverages CGL, E&O, Excess Liab, GL, Liability, Professional Liab Carrier Status Non-admitted States All States

Brownyard Group

Coverages Assault & Battery, Auto Comm-Standard, Blanket Addt’l Insureds, Care/Custody/Control, CGL, Commercial Excess, Crime, E&O, Fidelity, Fire Legal Liab, GL, Inland Marine, Liability, Lost Key, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States except NE

2024 Annual Program Directory, Summer Edition

Philadelphia Insurance Companies

Coverages Abuse & Molestation, Commercial Auto, Boiler & Machinery, Business Income, Care/Custody/Control, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Inland Marine, Legal Expense Ins, Personal Property, Professional Liab, Property, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA

Ryan Specialty National Programs

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

Alcohol & Substance Abuse Treatment Centers

Addiction Treatment Providers Insurance Program

Coverages Abuse & Molestation, Auto Comm-Standard, Business Income, Cyber Liab, GL, Hired & Non-owned Auto, Liability, Medical Malpractice, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except NY

Balance Partners - Maven

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

Gateway Specialty Insurance

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

Irwin Siegel Agency

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

Negley Associates

Coverages CGL, Professional Liab

Carrier Status Non-admitted States All States

NSM Insurance Group

Coverages Abuse & Molestation, Addiction Treatment, Auto Comm-Standard, Business Income, Community/Social Svcs, Cyber Liability, GL, Hired & Non-owned Auto, Liability, Medical Malpractice, Mental Health Care, Professional Liability, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

RPS Healthcare

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

RPS Signature Programs

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

Allied Healthcare Professionals

Berkley Select | a Berkley Company

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

CID Insurance Programs Inc.

Coverages Abuse & Molestation, E&O, EPLI, GL, Professional Liab, Property Carrier Status Admitted, Non-admitted States AZ, CA, CO, ID, MD, NE, NM, NV, OR, TN, TX, UT, WA

ProAlly

Coverages Abuse & Molestation, Medical Malpractice, Medical Professional, Professional Liability Carrier Status Non-admitted States All States

Promont Insurance Advisors

Coverages CGL, Commercial Excess, Crime, Cyber Liab, E&O, Employee Benefits, Equipment Breakdown, Fire Legal Liab, Professional Liab, Property

Carrier Status Non-admitted States All States

RPS Healthcare

Coverages GL, Hired & Non-owned Auto, Medical Professional Carrier Status Admitted, Non-admitted States All States

Shelly, Middlebrooks & O’Leary Inc.

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

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

Amateur Sports Associations

Alive Risk

Coverages Accident & Health, Excess Liab, GL, Inland Marine, Liquor Liab, Prize Indemnification Carrier Status Admitted, Non-admitted States All States InsuranceHelper.com

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

Philadelphia Insurance Companies

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

RPS Signature Programs

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

Sports & Fitness Insurance Corporation (SFIC)

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

Sports & Wellness Insurance

Coverages Abuse & Molestation, Accident & Health, Crime, Cyber Liab, D&O, GL, Hired & Non-owned Auto, Inland Marine, Property, Umbrella Carrier Status Admitted, Non-admitted States All States

Ambulance Service

Markel

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

National Indemnity Company

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

Prime Insurance Company

Coverages Abuse & Molestation, Assault & Battery, Auto Comm-Nonstandard, Auto Comm-Nonstandard Phys Dmg, Commercial Excess, Difference in Conditions, GL, Hired & Non-owned Auto, Motor Truck Cargo, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States All States

Pro-Praxis Insurance

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

Amusement Parks

Alive Risk

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

McGowan Allied Specialty Insurance

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

The McGowan Companies

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

Animal Rescue Organizations

Care Providers Insurance Services

Coverages Accident & Health, Auto Comm-Standard, Crime, D&O, EPLI, Excess Liab, GL,

2024 Annual Program Directory, Summer Edition

Antique/Classic Car

Dealers

American Collectors Insurance Inc.

Coverages Liability, Physical Damage, Uninsured Motorists Carrier Status Admitted States All States

Philadelphia Insurance Companies

Coverages Garage Liability, GL, Inland Marine, Physical Damage, Property, Umbrella Carrier Status Admitted States All States except LA

South & Western General Agency Inc.

Coverages Auto Pers-Standard, Auto Pers-Standard Phys Dmg Carrier Status Admitted States AR, MS, NM, OK, TN, TX

Apartment Building Owners

5Star Specialty Programs

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

AllComp Solutions

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

Amalgamated Insurance Underwriters

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

Anderson & Murison Inc.

Coverages Apartment House Package, Earthquake Carrier Status Admitted, Non-admitted States All States

Berkley Luxury Group, a W.R. Berkley Company

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

CID Insurance Programs Inc.

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

DeCotis Specialty Insurance

Coverages Business Income, Flood, General Liability, Medical Payments, Property, Wind Carrier Status Admitted, Non-admitted States CT, DE, MA, MD, ME, NH, NJ, RI, VA, VT

Distinguished Programs

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

Flood Risk Solutions Inc.

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

Greenwood General Insurance Agency

Coverages Historic Bldgs/Unique Property, Property Carrier Status Admitted States AZ, CA, NV, OR, TX, WA

HabPro Insurance

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

Hinterland Insurance

Coverages Builders Risk, Earthquake, GL, Property, Vacant Building Carrier Status Non-admitted States All States except OK, TX

Hull & Company

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

Logic Underwriters, a PCF Company

Coverages GL, Property Carrier Status Non-admitted States TX

M.J. Hall & Company Insurance Brokers

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

MAXIMUM

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

MG Skinner & Associates

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

Monarch E&S Insurance Services

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

NeitClem Wholesale Insurance Brokerage Inc.

Coverages Apartment House Package, Difference in Conditions, Excess Liab, Fire, Flood, Liability, Loss of Use, Tenant Discrimination Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX

Philadelphia Insurance Companies

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

Carrier Status Admitted States All States except LA

Preferred Concepts LLC

Coverages CGL, Umbrella Carrier Status Admitted States All States

REInsurePro

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

Southwest Risk

Coverages Builders Risk, CGL, Property, Umbrella

Carrier Status Admitted, Non-admitted States All States

TAPCO Underwriters Inc.

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

The McGowan Companies

Coverages Commercial Excess, Excess Liab, Umbrella Carrier Status Admitted States All States

Union General Insurance Services Inc.

Coverages Apartment House Package, CGL, Cyber Liab, Excess Liab, Fire, GL, High Valued Homes, Property Carrier Status Admitted, Non-admitted States AZ, CA, NM, NV, OR, TX, UT, WA

XPT Specialty

Coverages Apartment House Package, Assault & Battery, CGL, Earthquake, Excess Liab, Fire, Fire Legal Liab, GL, Medical Payments, New Occurrence, Umbrella Carrier Status Non-admitted States All States

Appraisers

5Star Specialty Programs

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

Balance Partners - Maven

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

Landy Insurance Agency

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

Target Professional Programs

Coverages E&O, Professional Liab States All States

Arborists/Tree Services

Applied Underwriters Inc.

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

Balance Partners - Maven

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

Legacy Employer Concepts LLC

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

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

Architects & Engineers

5Star Specialty Programs

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

Access E&S Insurance Services

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

Amwins - 150+ Locations Worldwide

Coverages Pollution, Technology E&O Carrier Status

Admitted, Non-admitted States All States except AK, WY

Freberg Environmental Inc.

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

Hull & Company

Coverages Commercial Excess, D&O, E&O, EPLI Carrier Status Admitted, Non-admitted States All States except DC

JM Wilson

Coverages Cyber Liab, D&O, E&O, EPLI, Excess Liab, Foreign GL, GL, Professional Liab, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except AK, HI, NY

Logic Underwriters, a PCF Company

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

NeitClem Wholesale Insurance Brokerage Inc.

Coverages Excess Liab, Professional Liab

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

Professional Insurance Concepts

Coverages E&O, EPLI, Professional Liab

Carrier Status Admitted States All States

Professional Underwriters Agency (PUA)

Coverages Pollution Liab, Professional Liab

Carrier Status Admitted, Non-admitted States All States

Quaker Special Risk, a Jencap Company (Florida)

Coverages Pollution Liab, Professional Liab, Umbrella

Carrier Status Non-admitted States Most States

Quaker Special Risk, a Jencap Company (Mass.)

Coverages Pollution Liab, Professional Liab, Umbrella

Carrier Status Non-admitted States Most States

Quaker Special Risk, a Jencap Company (New Jersey)

Coverages Pollution Liab, Professional Liab, Umbrella Carrier Status Non-admitted States Most States

Target Professional Programs

Coverages E&O, Professional Liab

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

Victor Insurance Managers LLC

Coverages Cyber Liab, E&O, Inland Marine, Liability, Pollution Liab, Professional Liab, Property Carrier Status Admitted States All States

Armored Car Services

Antique Gallery

CRC Insurance Services

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

Element22 Insurance Services

Coverages Abuse & Molestation, Business Income, Business Interruption, Catastrophe, Hurricane Carrier Status Admitted, Non-admitted States All States

Flood Risk Solutions Inc.

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

Nonprofits Insurance Alliance

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

PEO Brokers Group

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

Promont Insurance Advisors

Coverages CGL, Cyber Liab, Liability, Professional Liab, Property Carrier Status Non-admitted States Most States

RPS Healthcare

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

Sapphire Blue

Coverages CGL, Professional Liability Carrier Status Non-admitted States All States except KY

Associations/Affinity

Groups

Affinity Nonprofits

Coverages BOP, Business Income, Crime, Cyber Liab, D&O, Event Cancellation, Excess Liab, GL, Workers’ Comp Carrier Status Admitted States All States

Applied Underwriters Inc.

Coverages Accessories, Warranties, Extended Carrier Status Admitted States All States

Great American Insurance Group, Alternative Markets

Coverages Auto Comm-Standard, BOP, CGL, Inland Marine, Property, Umbrella, Workers' Comp Carrier Status Admitted, Non-admitted States All States

Philadelphia Insurance Companies

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

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

Venture Insurance Programs

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

Attorneys

5Star Specialty Programs

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

Berkley Select | a Berkley Company

Coverages E&O, EPLI, Professional Liab

Carrier Status Admitted, Non-admitted States All States

Lawyer’s Protector Plan

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

Markel

Coverages E&O, Workers’ Comp Carrier Status Admitted States All States

Number One Insurance Agency

Coverages Excess Liab, Professional Liab

Carrier Status Admitted, Non-admitted States MA

Quirk & Company

Coverages CGL, Professional Liab, Property

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

2024 Annual Program Directory, Summer Edition

Synergy Professional Associates Inc.

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

Target Professional Programs

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

The McGowan Companies

Coverages E&O, Excess Liab, Professional Liab

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

Vanguard Specialty

Coverages E&O, Excess Liab, Professional Liab

Carrier Status Admitted, Non-admitted States All States

Auctioneers

Draftrs Inc.

Coverages E&O, GL, Professional Liab

Carrier Status Admitted States All States

Markel

Coverages Auto Comm-Standard, CGL, Crime, Cyber Liab, Inland Marine, Property, Umbrella, Workers’ Comp

Carrier Status Admitted States All States

Philadelphia Insurance Companies

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

Carrier Status Admitted States All States except LA

Auto Body Shops

5Star Specialty Programs

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

Carrier Status Admitted States All States

Arrowhead General Insurance Agency Inc.

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

KBK Insurance Group Inc.

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

NeitClem Wholesale Insurance Brokerage Inc.

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

Omaha National

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

Target Managers Insurance Services

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

Carrier Status Admitted, Non-admitted States All States

Auto Dealers

AAU, A division of USG Insurance Services

Coverages Dealers Open Lot, Garage Keepers Legal Liab, Garage Liability, GKLL, Motor Truck Cargo, Umbrella

Carrier Status Admitted, Non-admitted States All States

Amwins - 150+ Locations Worldwide

Coverages Pollution, Pollution Liability

Carrier Status Non-admitted States All States

CID Insurance Programs Inc.

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

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

KBK Insurance Group Inc.

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

MAXIMUM

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

Meramec Secure Inc.

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

Mexico Insurance Online

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

Personal Safeguards Group LLC

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

Ryan Specialty National Programs

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

Target Managers Insurance Services

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

Victor Insurance Managers LLC

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

Wilkoff Bonds

Coverages Crime, Fidelity, Fidelity Bonds

Carrier Status Admitted States All States

Auto Dismantlers/Wrecking Yards

KBK Insurance Group Inc.

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

Auto Haulers/Transporters

AAU, A division of USG Insurance Services

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

Apollo General Ins. Agency Inc.

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

Applied Underwriters Inc.

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

DeCotis Specialty Insurance

Coverages GL, Motor Truck Cargo, Physical Damage Carrier Status Non-admitted States CT, DE, MA, MD, ME, NH, NJ, RI, VA, VT

Lancer Insurance Company

Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg Carrier Status Admitted States CT, NJ, NY, PA

Prime Insurance Company

Coverages Abuse & Molestation, Assault & Battery, Auto Comm-Nonstandard, Auto Comm-Nonstandard Phys

Dmg, Commercial Excess, Dealers Open Lot, Difference in Conditions, Garage Keepers Legal Liab, Garage Liability, GKLL, GL, Hired & Non-owned Auto, Motor Truck Cargo, On-Hook Cargo, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States All States

Auto Repair Shops/Garages

AAU, A division of USG Insurance Services

Coverages Auto Comm-Standard Phys Dmg, Dealers Open Lot, Garage Keepers Legal Liab, Garage Liability, GKLL, Motor Truck Cargo, Umbrella Carrier Status Admitted, Non-admitted States All States

American Management Corporation

Coverages Fire Legal Liab, Garage Liability, GKLL, GL, Inland Marine, Liquor Liab, Property Carrier Status Admitted, Non-admitted States All States except AK, DC, HI, MA, NY

Amwins - 150+ Locations Worldwide Coverages Pollution, Pollution Liab Carrier Status Non-admitted States All States

2024 Annual Program Directory, Summer Edition

Auto Repair Shops/Garages (continued)

Anderson & Murison Inc.

Coverages Garage Liability, GL, Professional Liab, Property, Tools & Equip Carrier Status Admitted, Non-admitted States All States

Applied Underwriters Inc.

Coverages Auto Comm-Standard, Auto Comm-Standard Phys Dmg, Workers’ Comp Carrier Status Admitted States All States

Arrowhead General Insurance Agency Inc.

Coverages Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, Crime, Equipment Breakdown, Garage Keepers Legal Liability, Property, Umbrella Carrier Status Admitted States All States except FL, TX

Ashley General Agency

Coverages Garage Keepers Legal Liab, Garage Liability, GKLL Carrier Status Non-admitted States TX

Bass Underwriters

Coverages Dealers Open Lot, Garage Keepers Legal Liab States Most States

Gorst & Compass Insurance

Coverages Garage Liability, GKLL, GL, Property Carrier Status Non-admitted States CA

IPC

Coverages CGL, Garage Keepers Legal Liab, Garage Liability, GKLL, GL, Liability, Property Carrier Status Non-admitted States AR, AZ, CA, CO, IA, ID, KS, LA, MN, MO, MT, ND, NE, NM, NV, OK, OR, SD, TX, UT, WA, WY

KBK Insurance Group Inc.

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

M.J. Hall & Company Insurance Brokers

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

Markel

Coverages BOP, Workers’ Comp Carrier Status Admitted

States All States

Monarch E&S Insurance Services

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

PartnerOne Environmental

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

Roush Insurance Services Inc.

Coverages Business Income, Business Interruption, Care/ Custody/Control, Commercial Excess, Environmental Liab, Equipment, Excess Liab, Garage Liability, GKLL, GL, Hired & Non-owned Auto, Inland Marine, Lost Key, Medical Payments, Physical Damage, Pollution, Property, Real & Business Personal Prop, Tools & Equip, Wrongful Repo Carrier Status Non-admitted States IA, IL, IN, OH, WI

Shelly, Middlebrooks & O’Leary Inc.

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

South & Western General Agency Inc.

Coverages Dealers Open Lot, Garage Liability, GKLL Carrier Status Admitted, Non-admitted States AR, MS, OK, TN, TX

Target Managers Insurance Services

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

Auto Repair/Service

Amwins - 150+ Locations Worldwide

Coverages Pollution, Pollution Liab Carrier Status Non-admitted States All States

Arrowhead General Insurance Agency Inc.

Coverages Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, Crime, E&O, Equipment Breakdown, Garage Keepers Legal Liab, Garage Liability, GL, Personal Property, Property Carrier Status Admitted

States All States except AK, FL, HI, LA

CID Insurance Programs Inc.

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

KBK Insurance Group Inc.

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

Target Managers Insurance Services

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

Auto Repossessors

Prime Insurance Company

Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Dealers Open Lot, Difference in Conditions, Garage Keepers Legal Liab, Garage Liability, GKLL, GL, On-Hook Cargo, Personal Liab, Professional Liab, Property, Rented Property, Wrongful Repo Carrier Status Non-admitted States All States

Wilkoff Bonds

Coverages Crime, Fidelity, Fidelity Bonds Carrier Status Admitted States All States

Auto/Truck Leasing Operations

Mexico Insurance Online

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

Philadelphia Insurance Companies

Coverages Lessors Contingent Liab, Lessors Contingent Phys

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

Auto/Truck Rental Operations

Philadelphia Insurance Companies

Coverages Commercial Auto Liability & Physical Damage Excess Liab, Rented Property Carrier Status Admitted States All States except LA, MI, NV, NY

Bars/Taverns

Anderson & Murison Inc.

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

Bass Underwriters

Coverages Excess Liab, GL, Liquor Liab, Property, Umbrella States Most States

Business Alliance Insurance Company

Coverages Business Interruption, CGL, Cyber Liab, EPLI, Equipment Breakdown, Liquor Liab, Property States CA

Gorst & Compass Insurance

Coverages Business Income, Food Spoilage, GL, Glass, Liability, Liquor Liab, Property Carrier Status Non-admitted States CA

Greene & Associates

Coverages Commercial Excess, Umbrella Carrier Admitted, Non-admitted States All States except HI

M.J. Hall & Company Insurance Brokers

Coverages CGL, Crime, Liquor Liab, Property

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

NeitClem Wholesale Insurance Brokerage Inc.

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

Number One Insurance Agency

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

Quaker Special Risk, a Jencap Company (New Jersey)

Coverages Crime, Excess Liab, Liquor Liab

Carrier Status Non-admitted States DE, GA, NJ, NY

Specialty Insurance

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

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

TAPCO Underwriters Inc.

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

XPT Specialty

Coverages Assault & Battery, GL, Liquor Liab, Property

Carrier Status Admitted, Non-admitted States All States

Beauty/Barber Shops/Salons/Schools/ Supplies

Anderson & Murison Inc.

Coverages Crime, E&O, GL, Hired & Non-owned Auto, Medical Payments, Property, Sexual Misconduct

Carrier Status Admitted, Non-admitted States All States

Balance Partners - Maven

Coverages CGL, E&O, Excess Liab, Professional Liab

Carrier Status Non-admitted States All States

Bass Underwriters

Coverages GL, Property States Most States

Marine Agency Corporation

Coverages Abuse & Molestation, Abusive Acts, Auto Comm-Standard, Blanket Addt’l Insureds, BOP, Business Interruption, CGL, EPLI, GL, Hired & Non-owned Auto, Liability, Professional Liab, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except AK, HI

Markel

Coverages BOP, Umbrella, Workers’ Comp

Carrier Status Admitted States Most States

NEXT Insurance

Coverages BOP, Excess Liab, GL, Professional Liab, Umbrella, Workers' Comp Carrier Status Admitted States All States

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

Coverages Abuse & Molestation, Blanket Addt’l Insureds, Cyber Liab, E&O, Equipment Breakdown, Excess Liab, Inland Marine, Liability, Media Liab, Misc Professional Liab, Professional Liab, Property, Sexual Misconduct, Tanning Liab, Teachers Liab Carrier Status Non-admitted States All States

Roush Insurance Services Inc.

Coverages Assault & Battery, Boiler & Machinery, Business Income, Business Interruption, CGL, Commercial Excess, Crime, Cyber Liab, D&O, E&O, EPLI, Equipment Breakdown, Excess Liab, Fire, GL, Inland Marine, Liability, Pollution, Professional Liab, Property, Real & Business Personal Prop, Tanning Liab, Theft, Tools & Equip, Trade Shows & Festivals Carrier Status Non-admitted States IA, IL, IN, OH, WI

SASSI - Salon & Spa Specialty Insurance

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

TAPCO Underwriters Inc.

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

Universal Insurance Programs

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

Bed & Breakfasts

Philadelphia Insurance Companies

Coverages Commercial Auto, Boiler & Machinery, Business Income, Care/Custody/Control, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Personal Property, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA

Billiard Parlors

Gorst & Compass Insurance

Coverages Business Income, Liability, Liquor Liab, Property Carrier Status Non-admitted States CA

Billing and Collection Services

5Star Specialty Programs

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

Balance Partners - Maven

Coverages CGL, E&O, Excess Liab, Professional Liab

Carrier Status Non-admitted States All States

Meramec Secure Inc.

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

Mexico Insurance Online

Coverages Auto Comm-Nonstandard, Auto CommNonstandard Phys Dmg, Auto Comm-Standard, Auto CommStandard Liability, Int’l Coverage - Personal States All States

Personal Safeguards Group LLC

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

Philadelphia Insurance Companies

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

The Hanover Insurance Group

Coverages Auto Comm-Standard, CGL, Crime, D&O, Environmental Liab, EPLI, Equipment, Fine Arts, GKLL, GL, Hull, Legal Liab, Liability, Liquor Liab, Marina Operators Legal, Physical Damage, Piers & Docks, Pollution Liab, Products Liab, Protection & Indemnity (P&I), Watersports Liab, Workers’ Comp Carrier Admitted States All States

Boat Rental Firms

Markel Personal Lines

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

Sun Coast General Insurance Agency

Coverages GL, Physical Damage Rental Units, Watercraft Liab Carrier Status Admitted, Non-admitted States AK, AZ, CA, FL, NV, OR, UT, WA

Bowling Alleys

K&K Insurance Group Inc.

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

McGowan Allied Specialty Insurance

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

Philadelphia Insurance Companies

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

Sports & Wellness Insurance

Coverages Abuse & Molestation, Accident & Health, Crime, Cyber Liab, D&O, GL, Hired & Non-owned Auto, Inland Marine, Property, Umbrella Carrier Status Admitted, Non-admitted States All States

Boys & Girls Clubs

Care Providers Insurance Services

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

Charity First Insurance Services Inc.

Coverages Abuse & Molestation, Auto Comm-Standard, Business Income, CGL, Cyber Liab, Property, Workers’ Comp Carrier Status Admitted States All States

Gateway Specialty Insurance

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

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

Irwin Siegel Agency

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

2024 Annual Program Directory, Summer Edition

2024 Annual Program Directory, Summer Edition

Nonprofits Insurance Alliance

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

Philadelphia Insurance Companies

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

Breweries and Distilleries

Great American Insurance Group, Alternative Markets

Coverages Auto Comm-Standard, BOP, CGL, Inland Marine, Property, Umbrella, Workers' Comp Carrier Status Admitted, Non-admitted States All States

Markel

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

Philadelphia Insurance Companies

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

Number One Insurance Agency

Coverages Assault & Battery, GL, Liquor Liab, Real & Business Personal Prop States MA

Signature Specialty, LP

Coverages GL, Inland Marine, Liquor Liab, Products Liab, Property Carrier Status Non-admitted States All States

Broadcasters

Amwins - 150+ Locations Worldwide Coverages Auto Comm-Standard, Business Interruption, Crime, GL, Inland Marine, Property, Umbrella Carrier Status Admitted States All States

Campgrounds

McGowan Allied Specialty Insurance

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

Philadelphia Insurance Companies

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

Camps

Great American Ins. Group, Specialty Human Services

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

Philadelphia Insurance Companies

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

RPS Signature Programs

Coverages Accident & Health, CGL, Crime, D&O, Equipment, Excess Liab Carrier Status Admitted States All States Sports & Fitness Insurance Corporation (SFIC) Coverages CGL, Crime, Fire Legal Liab, Flood, GL, Hired & Non-owned Auto, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted

Sports & Wellness Insurance

Coverages Abuse & Molestation, Accident & Health, Crime, Cyber Liab, D&O, GL, Hired & Non-owned Auto, Inland Marine, Property, Umbrella Carrier Status Admitted, Non-admitted States All States

Cannabis/Marijuana - Dispensary and Growers

Cannasure Insurance Services

Coverages Business Income, Business Interruption, CGL, Completed Operations Liab, EPLI, Equipment, Products Liability, Professional Liability, Property, Stop-Gap Carrier Status Non-admitted States All States

CannGuard

Coverages Business Income, CGL, Completed Operations Liab, Employee Benefits, Equipment Breakdown, Fire, GL, Hired & Non-owned Auto, Liability, Medical Payments, Products Liability, Professional Liab, Property, Real & Business Personal Prop, Stop-Gap, Theft, Workers’ Comp Carrier Status Non-admitted States All States except CA, DC, MA, NY, ND

Flux Insurance Services LLC

Coverages Auto Comm-Standard, BOP, Cargo, CGL, Commercial Excess, Crime, Cyber Liab, D&O, E&O, Employee Benefits, EPLI, Hired & Non-owned Auto, Inland Marine, Products Liab, Professional Liab, Property, WCMaster Policies/ASO, Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted, Non-admitted States All States

IPC

Coverages CGL, Equipment Breakdown, GL, Products Liab, Property Carrier Status Non-admitted States AR, AZ, CA, LA, MN, MO, MT, ND, NE, NM, NV, OK, OR, SD, UT, WA

Legacy Employer Concepts LLC

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

M.J. Hall & Company Insurance Brokers

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

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

PEO Brokers Group

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

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

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

Union General Insurance Services Inc.

Coverages CGL, Equipment Breakdown, Excess Liab, Fire, GL, Inland Marine, Personal Property, Products Liab, Property, Theft, Umbrella Carrier Status Non-admitted States AZ, CA, NM, NV, OR, TX, UT, WA

Casinos

Distinguished Programs

Coverages Cyber Liab, Liability, Umbrella

Carrier Status Admitted, Non-admitted States All States

Caterers

InsuranceHelper.com

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

NEXT Insurance

Coverages BOP, Cyber Liab, EPLI, Food Borne Illness, GL, Liquor Liab, Workers' Comp Carrier Status Admitted States All States

Specialty Insurance

Coverages Assault & Battery, Boiler & Machinery, Business Income, Business Interruption, CGL, Completed Operations Liab, Crime, Fire, Food Spoilage, GL, Glass, Liability, Liquor Liab, Property, Spoilage, Theft Carrier Status Admitted, Non-admitted States AZ, CA, CT, DE, FL, GA, IL, MA, MD, MI, MN, MO, NC, NJ, NY, OH, PA, RI, SC, TN, TX

The McGowan Companies

Coverages Commercial Excess, Umbrella Carrier Status Admitted States All States

XPT Specialty

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

2024 Annual Program Directory, Summer Edition

Cemeteries

Brownyard Group

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

Chemical Manufacturers/Distributors

ChemPlan - Chemical Insurance

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

MAXIMUM

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

NeitClem Wholesale Insurance Brokerage Inc.

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

Child Care/Day Care Centers

Charity First Insurance Services Inc.

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

Great American Ins. Group, Specialty Human Services

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

Greene & Associates

Coverages Commercial Excess, Umbrella Carrier Admitted, Non-admitted States All States except HI

Indemnity Excess & Surplus Agency Inc.

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

Markel

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

Nonprofits Insurance Alliance

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

Philadelphia Insurance Companies

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

Chiropractors

Philadelphia Insurance Companies

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

Churches/Religious Institutions

AAU, A division of USG Insurance Services

Coverages Auto Comm-Standard, Auto Comm-Standard Phys Dmg, Builders Risk, Business Income, Crime, Cyber Liab, D&O, Employee Benefits, EPLI, Equipmen t Breakdown, Fine Arts, Flood, Hired & Non-owned Auto, I n land Marine, Lost Key, Medical Payments, Motor Truck Cargo, Personal Property, Property, Sexual Misconduct, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

AMIS/Alliance Marketing & Insurance Services LLC

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

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

Coverages BOP, D&O, Workers’ Comp Carrier Status

Admitted, Non-admitted States All States except AK, NY

Care Providers Insurance Services

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

Element22 Insurance Services

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

Gateway Specialty Insurance

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

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

Gorst & Compass Insurance

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

Philadelphia Insurance Companies

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

Carrier Status Admitted States All States except LA

Promont Insurance Advisors

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

Carrier Status Non-admitted States All States

RPS Signature Programs

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

Shelly, Middlebrooks & O’Leary Inc.

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

Claims Adjusters

Balance Partners - Maven

Coverages CGL, E&O, Excess Liab, Professional Liab

Carrier Status Non-admitted States All States

Draftrs Inc.

Coverages E&O, GL, Professional Liab

Carrier Status Admitted States All States

Logic Underwriters, a PCF Company

Coverages GL, Professional Liab

Carrier Status Non-admitted States TX

Philadelphia Insurance Companies

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

Commercial Building Owners

Applied Underwriters Inc.

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

Business Alliance Insurance Company

Coverages BOP, Equipment Breakdown

Carrier Status Admitted States CA

CID Insurance Programs Inc.

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

Continental Underwriters Inc.

Coverages Combo Personal & Commercial, Commercial Excess, Crime, Cyber Liab, Employee Benefits, Equipment Breakdown, GL, Inland Marine, Int’l Coverage - Commercial, Property, Umbrella, Wind, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

DeCotis Specialty Insurance

Coverages Apartment House Package, Business Income, CGL, Commercial Excess, Flood, Medical Payments, Property, Wind States CT, DE, MA, MD, ME, NH, NJ, PA, RI, VA, VT

Distinguished Programs

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

Greenwood General Insurance Agency

Coverages Historic Bldgs/Unique Property, Property, Vacant Building States AZ, CA, NV, OR, TX, WA

Hinterland Insurance

Coverages Builders Risk, CGL, Property, Vacant Building Carrier Status Non-admitted States All States

IPC

Coverages GL, Liability, Property, Real & Business Personal Prop, Vacant Building Carrier Status Non-admitted States AR, AZ, CA, CO, IA, ID, KS, LA, MO, MT, ND, NE, NM, NV, OK, OR, SD, UT, WA, WY

MAXIMUM

Coverages Builders Risk, Business Income, Business Interruption, Catastrophe, Earthquake, Equipment, Equipment Breakdown, Flood, GL, Property, Umbrella Carrier Status Admitted, Non-admitted States All States

MG Skinner & Associates

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

NeitClem Wholesale Insurance Brokerage Inc.

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

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

Preferred Concepts LLC

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

Promont Insurance Advisors

Coverages CGL, Cyber Liab, Property

Carrier Status Non-admitted States All States

REInsurePro

Coverages GL, Property, Vacant Building

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

Roush Insurance Services Inc.

Coverages Apartment House Package, Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, Boiler & Machinery, Business Income, Business Interruption, CGL, Commercial Excess, Crime, D&O, E&O, EPLI, Excess Liab, Fire, Foreclosed Properties, GL, Historic Bldgs/Unique Property, Inland Marine, Installation Floaters, Liability, OCP, Pollution Liab,

Property, Real & Business Personal Prop, Rented Property, Tenant Discrimination, Theft, Vacant Building

Carrier Status Non-admitted States IA, IL, IN, OH, WI

Southwest Risk

Coverages Builders Risk, CGL, Property, Umbrella

Carrier Status Admitted, Non-admitted States All States

Sun Coast General Insurance Agency

Coverages BOP, Legal Liab, Lessors Contingent Liab, Lessors Contingent Phys Dmg, Liability, Property

Carrier Status Admitted, Non-admitted States CA

Victor Insurance Managers LLC

Coverages Builders Risk, Cyber Liab Carrier Status Admitted States All States except HI

Commercial Marine Companies

LIG Marine Managers

Coverages Boats, Builders Risk, Care/Custody/Control, CGL, Commercial Excess, Commercial Marine, Completed Operations Liab, Federal LHWCA, Foreign GL, Hull, Inland Marine, Legal Liab, Marina Operators Legal, Piers & Docks, Pollution Liab, Protection & Indemnity (P&I), Ship Repairers Legal, Umbrella, Wet Marine, Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States

Markel Personal Lines

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

The American Equity Underwriters Inc.

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

Community Associations

Affinity Nonprofits

Coverages Crime, D&O, E&O, Property Carrier Status Admitted States All States

Amwins - 150+ Locations Worldwide

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

CID Insurance Programs Inc.

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

Coastal Insurance Underwriters Inc.

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

Community Association Insurance Solutions LLC

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

Distinguished Programs

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

Ian H. Graham Insurance

Coverages Crime, D&O, Fidelity Carrier Status Admitted States All States

Indemnity Excess & Surplus Agency Inc.

Coverages D&O, EPLI, GL, Hired & Non-owned Auto, Property, Umbrella Carrier Status Admitted States All States except DC, LA, VT

Kevin Davis Insurance Services

Coverages Crime, Cyber Liab, D&O, Excess Liab Carrier Status Admitted States All States

MG Skinner & Associates

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

Shelly, Middlebrooks & O’Leary Inc.

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

The McGowan Companies

Coverages Commercial Excess, D&O, EPLI, Excess Liab, Fidelity, Fidelity Bonds, Fiduciary Liab, Umbrella Carrier Status Admitted States All States

Community Banks/Credit Unions

Proctor Loan Protector

Coverages Blanket Forced Placed, E&O, Excess Flood, Force Place Fire Cvrg, Foreclosed Properties, High Valued Homes, Mobile Home Ins, Mortgage Impairment, Mortgage REO Cvrg, Rented Property, Residential Property Carrier Status Non-admitted States All States

Ryan Specialty National Programs

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

Unitas Financial Services

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

2024 Annual Program Directory, Summer Edition

Community Health Centers

Philadelphia Insurance Companies

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

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

Community/Social Services

Affinity Nonprofits

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

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

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

Care Providers Insurance Services

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

Charity First Insurance Services Inc.

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

Gateway Specialty Insurance

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

Great American Ins. Group, Specialty Human Services

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

Irwin Siegel Agency

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

Negley Associates

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

Nonprofits Insurance Alliance

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

Philadelphia Insurance Companies

Coverages Abuse & Molestation, Commercial Auto, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, Food Spoilage, GL, Hired & Non-owned Auto, Identity Theft, Participant Accident, Professional Liab, Property, Real & Business Personal Prop, Sexual Misconduct, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA

RPS Signature Programs

Coverages Abuse & Molestation, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Blanket Addt’l Insureds, Crime, Cyber Liab, D&O, EPLI, Excess Liab, Fiduciary Liab, GL, Hired & Non-owned Auto, Inland Marine, Nonprofit D&O, Professional Liab, Property, Workers’ Comp States All States

Venture Insurance Programs

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

Computer Consultants/Programmers/ Designers

Indemnity Excess & Surplus Agency Inc.

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

Carrier Status Admitted, Non-admitted States Most States

Philadelphia Insurance Companies

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

Professional Insurance Concepts

Coverages E&O, EPLI, Professional Liab

Carrier Status Admitted States All States

Professional Underwriters Agency (PUA)

Coverages Products Liab, Professional Liab

Carrier Status Admitted, Non-admitted States All States

RPS Technology & Cyber

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

Shelly, Middlebrooks & O’Leary Inc.

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

Concessionaires and Vendors

InsuranceHelper.com

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

K&K Insurance Group Inc.

Coverages CGL, Inland Marine Carrier Status Admitted States All States

R.V. Nuccio & Associates

Coverages Accidental Death, Care/Custody/Control, CGL, GL, Hired & Non-owned Auto, Liability, Medical Payments, Trade Shows & Festivals Carrier Status Admitted States All States

Roush Insurance Services Inc.

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

Concrete Pumper Firms

NBIS

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

Norman-Spencer Agency LLC

Coverages Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, CGL, Inland Marine, Property, Umbrella Carrier Status Admitted States All States except DC, NY

Condo Associations

Amalgamated Insurance Underwriters

Coverages Boiler & Machinery, Earthquake, Flood, Property Carrier Status Non-admitted

Berkley Luxury Group, a W.R. Berkley Company Coverages CGL, Cyber Liab, GKLL, Hired & Non-owned Auto, Property Carrier Status Admitted States DC, GA, IL,

2024 Annual Program Directory, Summer Edition

Condo Associations (continued)

Community Association Insurance Solutions LLC

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

Distinguished Programs

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

Element22 Insurance Services

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

Flood Risk Solutions Inc.

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

HabPro Insurance

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

Ian H. Graham Insurance

Coverages Crime, D&O, Fidelity Carrier Status Admitted States All States

Kevin Davis Insurance Services

Coverages Crime, Cyber Liab, D&O, Excess Liab Carrier Status Admitted States All States

MG Skinner & Associates

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

Philadelphia Insurance Companies

Coverages Commercial Auto, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, Employee Benefits, Equipment Breakdown, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Participant Accident, Professional Liab, Property, Real & Business

Personal Prop, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA

Condo/Homeowner Associations

Amalgamated Insurance Underwriters

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

Anderson & Murison Inc.

Coverages Crime, GL, Hired & Non-owned Auto, Medical Payments, Property, Theft Carrier Status Admitted, Non-admitted States All States

Bass Underwriters

Coverages GL, Professional Liab, Property States Most States

Berkley Select | a Berkley Company

Coverages E&O, EPLI, Nonprofit D&O Carrier Status Admitted, Non-admitted States All States

Builders & Tradesmen’s Insurance Services Inc. (BTIS) Coverages D&O, GL, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except AK, NY

Coastal Insurance Underwriters Inc.

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

Commercial Sector Insurance Brokers LLC

Coverages Catastrophe, CGL, Commercial Excess, Contingent Coverages, Earthquake, Equipment Breakdown, Excess Flood, Hurricane, Property, Umbrella, Wind Carrier Status Non-admitted States Most States

Community Association Insurance Solutions LLC

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

DeCotis Specialty Insurance

Coverages Business Income, CGL, Medical Payments, Property, Wind States CT, DE, MA, MD, ME, NH, NJ, RI, VA, VT

Distinguished Programs

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

HabPro Insurance

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

Hull & Company

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

Ian H. Graham Insurance

Coverages Crime, D&O, Fidelity Carrier Status Admitted States All States

Kevin Davis Insurance Services

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

Carrier Status Admitted States All States

MexiPass International Insurance Services LLC

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

MG Skinner & Associates

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

NeitClem Wholesale Insurance Brokerage Inc.

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

Philadelphia Insurance Companies

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

Preferred Concepts LLC

Coverages CGL, Umbrella Carrier Status Admitted States All States

Quirk & Company

Coverages CGL, D&O, Excess Flood, Flood, Property Carrier Status Admitted, Non-admitted States LA, OK, OR, TX, WA

South & Western General Agency Inc.

Coverages GL, Nonprofit D&O, Professional Liab

Carrier Status Non-admitted States AR, MS, OK, TN, TX

TAPCO Underwriters Inc.

Coverages D&O, GL, Property Carrier Status Non-admitted States Most States

UCA General Insurance Services Inc.

Coverages CGL, Cyber Liab, D&O, EPLI, Equipment

Breakdown, Fire Legal Liab, Hired & Non-owned Auto, Medical Payments, Property, Umbrella

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

US Assure

Coverages Builders Risk, Business Income, COC, Earthquake, Fire, Flood, Hail, High Valued Homes, Hurricane, Installation Floaters, Residential Property, Theft, Weather, Wind Carrier Status Admitted States All States

Wilkoff Bonds

Coverages Crime, Fidelity, Fidelity Bonds

Carrier Status Admitted States All States

Condominium Owners

American Reliable

Coverages Personal Property, Physical Damage

Carrier Status Admitted States CA, HI, MN, NC, NJ, SC, TX

Commercial Sector Insurance Brokers LLC

Coverages Catastrophe, Contingent Coverages, Earthquake, Hurricane, Property, Wind Carrier Status Non-admitted States Most States

Flood Risk Solutions Inc.

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

Indemnity Excess & Surplus Agency Inc.

Coverages CGL, Hired & Non-owned Auto, Loss of Use, Rented Property, Residential Property, Umbrella

Carrier Non-admitted States AZ, CA, CO, ID, NV, OR, TX, WA

MG Skinner & Associates

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

REInsurePro

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

Construction

Managers

PartnerOne Environmental

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

Professional Underwriters Agency (PUA)

Coverages Pollution Liab, Professional Liab

Carrier Status Admitted, Non-admitted States All States

Quaker Special Risk, a Jencap Company (New Jersey)

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

Target Professional Programs

Coverages E&O, Professional Liab

Carrier Status Non-admitted States All States

US Assure

Coverages Builders Risk, Business Income, COC, Contractors Equip, Earthquake, Fire, Flood, High Valued Homes, Hurricane, Installation Floaters, Residential Property, Theft, Tools & Equip, Weather, Wind Carrier Status Admitted States All States

Construction Wrap-Up

MAXIMUM

Coverages Excess Liab, GL, Umbrella

Carrier Status Admitted, Non-admitted States All States

Wrap Up Insurance Solutions

Coverages Excess Liab, Liability, Workers’ Comp

Carrier Status Admitted, Non-admitted States All States

Consultants-All Kinds

5Star Specialty Programs

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

Carrier Status Admitted States All States

AMIS/Alliance Marketing & Insurance Services LLC

Coverages Commercial Auto, BOP, Liability, Professional Liab, Property, Workers’ Comp Carrier Status Admitted States All States

Anderson & Murison Inc.

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

Carrier Status Admitted, Non-admitted States All States

Draftrs Inc.

Coverages E&O, GL, Professional Liab

Carrier Status Admitted States All States

KZ Insurance Brokerage LLC

Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted, Non-admitted States All States except ND, OH, WA, WY

Norman-Spencer International Inc.

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

Professional Insurance Concepts

Coverages E&O, EPLI, Professional Liab

Carrier Status Admitted States All States

Professional Underwriters Agency (PUA)

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

Western Surplus Lines Agency Inc.

Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Contractors Equip, Control of Well, Excess Liab, Inland Marine, Medical Payments, Misc Professional Liab, Pollution Liab Carrier Status Non-admitted States LA, ND, NM, OK, TX

Consultants-Environmental

Access E&S Insurance Services

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

Ashley General Agency

Coverages GL, Pollution Liab, Professional Liab

Carrier Status Non-admitted States TX

Beacon Hill Associates

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

Commercial Sector Insurance Brokers LLC

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

Freberg Environmental Inc.

Coverages CGL, E&O, Environmental Liab, EPLI, GL, Hired & Non-owned Auto, Pollution, Pollution Liab, Professional Liab, Transportation Pollution Liab, Umbrella Carrier Status Non-admitted States All States

PartnerOne Environmental

Coverages CGL, E&O, Pollution Carrier Status Non-admitted States All States

Quaker Special Risk, a Jencap Company (New Jersey)

Coverages GL, Liability, Pollution, Pollution Liab, Professional Liab, Umbrella Carrier Status Non-admitted States Most States

Victor Insurance Managers LLC

Coverages Business Interruption, Cyber Liab, E&O, Liability, Pollution, Pollution Liability, Professional Liability Carrier Status Admitted, Non-admitted States All States

Contractors

Amwins - 150+ Locations Worldwide

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

Anderson & Murison Inc.

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

Applied Underwriters Inc.

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

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

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

CID Insurance Programs Inc.

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

Cowbell Cyber

Coverages Breach of Security, Business Income, Business Interruption, Cyber Liab Carrier Status Admitted States All States except HI

CRC Insurance Services

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

DeCotis Specialty Insurance

Coverages Blanket Addt’l Insureds, Blanket Waivers, Breach of Security, CGL, Commercial Excess, Contractors Equip, Crime, E&O, Environmental Liab, EPLI, Inland Marine, Tools & Equip Carrier Status Admitted, Non-admitted States CO, CT, FL, MA, ME, NH, NJ, NY, PA, RI, VA, VT

Frank Winston Crum Insurance

Coverages Excess Liab, GL, Workers’ Comp

Carrier Status Admitted States Most States

Greene & Associates

Coverages CGL, GL Carrier Status Non-admitted States NY

Greenwood General Insurance Agency

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

Gridiron Insurance Underwriters Inc.

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

Hinterland Insurance

Coverages CGL, Inland Marine Carrier Status Non-admitted States CA

JC Wilson Consulting Inc.

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

National Elevator Ins. Solutions / HUB International

Coverages Auto Comm-Standard, GL, Installation Floaters, OCP, Property, Umbrella, Workers’ Comp

Carrier Status Admitted States All States except HI

National Indemnity Company

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

NeitClem Wholesale Insurance Brokerage Inc.

Coverages Blanket Addt’l Insureds, Completed Operations

Liab, Contractors Equip, Excess Liab, Hired & Non-owned Auto, Liability, Medical Payments, Pollution, Pollution Liab, Professional Liab, Residential `wrap-up`, Tools & Equip, Umbrella Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX

NEXT Insurance

2024 Annual Program Directory, Summer Edition

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

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

Oryx Insurance Brokerage Inc.

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

PEO Brokers Group

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

Philadelphia Insurance Companies

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

Professional Underwriters Agency (PUA)

Coverages Pollution Liab, Professional Liab States All States

REInsurePro

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

Roush Insurance Services Inc.

Coverages Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, Boiler & Machinery, Builders Risk, Business Income, Business Interruption, CGL, Commercial Excess, Completed Operations Liab, Contractors Equip, Contractors License Bonds, Crime, D&O, E&O, Environmental Liab, EPLI, Equipment, Excess Liab, Fire, GL, Herbicide & Pesticide, Hired & Non-owned Auto, Inland Marine, Installation Floaters, Liability, Mechanical Breakdown, Medical Payments, OCP, Pollution, Pool & Spa Liab, Portable Equip, Property, Real & Business Personal Prop, Theft, Tools & Equip, Vacant Building Carrier Status Non-admitted States IA, IL, IN, OH, WI

Shield Commercial Insurance Services

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

Carrier Status Non-admitted States Most States

Skyward Specialty Insurance

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

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

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

Carrier Status Admitted States CA

TAPCO Underwriters Inc.

Coverages Blanket Addt’l Insureds, GL, Products Liab, Property Carrier Status Non-admitted States Most States

The McGowan Companies

Coverages Commercial Excess, Excess Liab, Umbrella States All States

Union General Insurance Services Inc.

Coverages Equipment, GL, Inland Marine

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

US Assure

Coverages Builders Risk, Business Income, COC, Contractors Equip, Earthquake, Fire, Flood, Hail, High Valued Homes, Hurricane, Installation Floaters, Residential Property, Theft, Tools & Equip, Weather, Wind Carrier Status Admitted States All States

Virtue Risk Partners LLC

Coverages Auto Comm-Standard, CGL, Commercial Excess, E&O, Environmental Liab, Workers’ Comp

Carrier Status Non-admitted States All States

XPT Specialty

Coverages Blanket Addt’l Insureds, Builders Risk, CGL, COC, Completed Operations Liab, Contractors Equip, Fire Legal Liab, Medical Payments, New Occurrence, Pollution Liab, Tools & Equip Carrier Status Admitted, Non-admitted States All States

Contractors-Air Conditioning

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

Coverages Auto Comm-Nonstandard, Auto Comm-Standard, Builders Risk, CGL, COC, Contractors Equip, Excess Liability, GL, Inland Marine, Property, Workers’ Compensation

Carrier Status Admitted, Non-admitted

States All States except AK, FL, HI, MD, NY, VT

Frank Winston Crum Insurance

Coverages Excess Liability, GL, Workers’ Comp

Carrier Status Admitted States Most States

Greene & Associates

Coverages CGL, GL Carrier Status Non-admitted States NY

Gridiron Insurance Underwriters Inc.

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

Legacy Employer Concepts LLC

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

Norman-Spencer Agency LLC

Coverages GL, Inland Marine, Property, Umbrella, Workers’ Comp Carrier Status Non-admitted States All States

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

Oryx Insurance Brokerage Inc.

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

REInsurePro

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

Shield Commercial Insurance Services

Coverages Excess Liab, GL, Inland Marine, Pollution, Professional Liab, Workers’ Comp Carrier Status Non-admitted States Most States

WORKERS COMPENSATION INSURANCE

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

• A.M. Best rating of A- (Excellent)

• Multiple options for premium payments

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

• Superior claims and medical management

• No volume requirements

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

• Experience-rated business

• Premium up to $2,000,000

• High mods accepted

CONTACT: 844-761-8400

sales@omahanational.com

2024 Annual Program Directory, Summer Edition

Contractors-Alarm

Arrowhead General Insurance Agency Inc.

Coverages E&O, GL Carrier Status Admitted States All States

Brownyard Group

Coverages Assault & Battery, Auto Comm-Standard, Blanket Addt’l Insureds, Care/Custody/Control, CGL, Commercial Excess, Crime, E&O, Fidelity, Fire Legal Liab, GL, Inland Marine, Liability, Lost Key, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States except NE

Frank Winston Crum Insurance

Coverages Excess Liab, GL, Workers’ Comp Carrier Status Admitted States Most States

Integrated Underwriters ®

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

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

REInsurePro

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

Ryan Specialty National Programs

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

The Mechanic Group, Inc., A Division of Specialty Programs Group LLC

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

Contractors-Artisan

AllComp Solutions

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

Apollo General Ins. Agency Inc.

Coverages Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, Blanket Waivers, CGL, Commercial Excess, Contractors Equip, Contractors License Bonds, EPLI, Equipment, Excess Liability Liability, Fire, Pollution Carrier Status Non-admitted States All States except AK, HI

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

Coverages Auto Comm-Nonstandard, Auto Comm-Standard, Builders Risk, CGL, COC, Contractors Equip, Excess Liab, GL, Inland Marine, Property, Workers’ Comp

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

Frank Winston Crum Insurance

Coverages Excess Liab, GL, Workers’ Comp

Carrier Status Admitted States Most States

Greene & Associates

Coverages CGL, GL Carrier Status Non-admitted States NY

Greenwood General Insurance Agency

Coverages Blanket Addt’l Insureds, CGL, Commercial Excess, Contractors License Bonds, E&O, GL Carrier Status Non-admitted States AZ, CA, OR, TX, WA

Hinterland Insurance

Coverages CGL, Inland Marine Carrier Status Non-admitted States CA

Integrated Underwriters ®

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

IPC

Coverages CGL, Contractors Equip, GL, Property Carrier Status Non-admitted States AR, AZ, CA, IA, ID, KS, LA, MN, MO, MT, ND, NE, NM, NV, OK, OR, SD, TX, UT, WA, WY

JM Wilson

Coverages Builders Risk, Business Income, Crime, Cyber Liab, E&O, EPLI, Equipment Breakdown, Excess Liab, Foreign GL, GL, Inland Marine, OCP, Pollution Liab, Professional Liab, Property, Railroad Protective Liab, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted

States All States except AK, HI, NY

Legacy Employer Concepts LLC

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

Logic Underwriters, a PCF Company

Coverages GL, Umbrella, Workers’ Comp Carrier Status Non-admitted States TX

M.J. Hall & Company Insurance Brokers

Coverages CGL, Contractors Equip, Employee Benefits, EPLI, Pollution Liab, Property Carrier Status Admitted, Non-admitted States AK, AZ, CA, CO, HI, ID, KS, MT, NE, NM, NV, OK, OR, SD, TX, UT, WA, WY

MiniCo Insurance Agency, a Jencap Company

Coverages Commercial Auto, Blanket Addt’l Insureds, Builders Risk, CGL, Contractors Equip, Crime, Property, Tools & Equip Carrier Status Admitted, Non-admitted States AZ, CA, NV

Monarch E&S Insurance Services

Coverages GL, Inland Marine Carrier Status Non-admitted States All States

Norman-Spencer Agency LLC

Coverages Auto Comm-Standard Phys Dmg, GL, Property, Tools & Equip, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

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

Oryx Insurance Brokerage Inc.

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

Quaker Special Risk, a Jencap Company (New Jersey)

Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, EPLI Carrier Status Non-admitted

States CT, DE, MA, MD, ME, NJ, NY, PA, RI, VT

Quirk & Company

Coverages Commercial Excess, GL, Property

Carrier Status Non-admitted States AL, AR, AZ, LA, MO, ND, NM, OK, TN, TX, WA, WY

REInsurePro

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

Shelly, Middlebrooks & O’Leary Inc.

Coverages Business Income, Business Interruption, CGL, Contractors Equip, Crime, EPLI, Equipment, Excess Liab, Inland Marine, Installation Floaters Carrier Status Admitted, Non-admitted States FL, GA, NC, SC, TX

Shield Commercial Insurance Services

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

Carrier Status Non-admitted States Most States

Southwest Risk

Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Umbrella Carrier Status Non-admitted States All States

Target Managers Insurance Services

Coverages Auto Comm-Standard, Builders Risk, Contractors Equip, Contractors License Bonds, Environmental Liab, EPLI, Excess Liab, GL, Inland Marine, OCP, Professional Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

The McGowan Companies

Coverages Commercial Excess, Excess Liab, Umbrella States All States

Contractors-Crane & Rigging

Apollo General Ins. Agency Inc.

Coverages Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, CGL, Contractors Equip, Contractors License Bonds, Employee Benefits, Environmental Liab, Excess Liab, Fidelity, Fidelity Bonds, Inland Marine, On-Hook Cargo, Performance & Payment Bonds, Pollution, Property, Railroad Protective Liab, Real & Business Personal Prop, Stop-Gap, Tools & Equip, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except AK, HI

Ascinsure Specialty Risk

Coverages Auto Comm-Standard, Crime, Cyber Liab, GL, Inland Marine, Liability, Property, Umbrella, Workers’ Comp Carrier Status Non-admitted States All States

NBIS

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

Contractors-Demolition

Apollo General Ins. Agency Inc.

Coverages Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, CGL, Contractors Equip, Contractors License Bonds, Employee Benefits, Environmental Liab, EPLI, Equipment, Excess Liab, Fidelity, Fidelity Bonds, Inland Marine, Performance & Payment Bonds, Pollution, Property, Railroad Protective Liab, Real & Business Personal Prop, StopGap, Tools & Equip, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Beacon Hill Associates

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

Jencap Specialty Insurance Services (Environmental) Coverages Pollution, Pollution Liab Carrier Status Non-admitted States All States

Norman-Spencer Agency LLC

Coverages Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, Excess Liab, GL, Property, Tools & Equip Carrier Status Admitted, Non-admitted States All States except NY

PartnerOne Environmental

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

WINS RISK Solutions Inc

Coverages Auto Comm-Standard Liability, Excess Auto Carrier Status Admitted, Non-admitted States GA, NC, NJ, NY, PA, SC

Contractors-Electrical

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

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

Frank Winston Crum Insurance

Coverages Excess Liab, GL, Workers’ Comp

Carrier Status Admitted States Most States

Greene & Associates

Coverages CGL, GL Carrier Status Non-admitted States NY

Integrated Underwriters ®

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

Legacy Employer Concepts LLC

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

Oryx Insurance Brokerage Inc.

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

REInsurePro

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

Shield Commercial Insurance Services

Coverages Excess Liab, GL, Inland Marine, Pollution, Professional Liability, Workers’ Comp Carrier Status Non-admitted States Most States

Contractors-Elevators

National Elevator Insurance Solutions / HUB International

Coverages Auto Comm-Standard, GL, Installation Floaters,

Contractors-Environmental

Amwins

PartnerOne Environmental

Coverages CGL, E&O, Pollution Carrier Status Non-admitted States All States

Philadelphia Insurance Companies

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

Quaker Special Risk, a Jencap Company (New Jersey)

Coverages CGL, GL, Liability, Pollution, Pollution Liab, Professional Liab, Umbrella Carrier Status Non-admitted States Most States

Quirk & Company

Coverages CGL, Contractors Equip, D&O, E&O, Environmental Liab, Equipment, Excess Flood, Excess Liab, Flood, Kidnap/Ransom, Pollution Liab, Professional Liab, Property Carrier Status Non-admitted States LA, OK, OR, TX, WA

Virtue Risk Partners LLC

Coverages Auto Comm-Standard, CGL, Commercial Excess, E&O, Environmental Liab, Workers’ Comp Carrier Status Non-admitted States All States

Contractors-Excavating/Grading

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

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

Integrated Underwriters ®

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

Legacy Employer Concepts LLC

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

NeitClem Wholesale Insurance Brokerage Inc.

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

Omaha National

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

Oryx Insurance Brokerage Inc.

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

Contractors-Fire & Water Restoration

Beacon Hill Associates

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

Jencap Specialty Insurance Services (Environmental)

Coverages Pollution, Pollution Liab Carrier Status Non-admitted States All States

Legacy Employer Concepts LLC

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

PartnerOne Environmental

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

Amwins - 150+ Locations Worldwide

Coverages GL, Pollution Liab, Professional Liab, Umbrella Carrier Status Admitted States All States except AK, HI

RelMark Program Managers

Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, E&O, Environmental Liab, Excess Liab, OCP, Professional Liab Carrier Status Non-admitted States All States except AK, CO, HI

Ryan Specialty National Programs

Coverages Auto Comm-Nonstandard, Care/Custody/Control, Crime, E&O, Excess Liab, GL, Inland Marine, Professional Liab, Property, Umbrella, Workers’ Comp

Carrier Status Admitted, Non-admitted States All States

2024 Annual Program Directory, Summer Edition

Contractors-General

Ashley General Agency

Coverages CGL, Commercial Excess, Inland Marine

Carrier Status Non-admitted States TX

Bass Underwriters

Coverages Blanket Addt’l Insureds, GL States Most States

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

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

DeCotis Specialty Insurance

Coverages Blanket Addt’l Insureds, Blanket Waivers, Equipment, Excess Liab, Fire Legal Liab, GL, Inland Marine, Medical Payments, Pollution Liab, Professional Liab Carrier Status Non-admitted States CT, DC, DE, MA, MD, ME, NH, NJ, NY, VA, VT

Greenwood General Insurance Agency

Coverages CGL, GL States AZ, CA, OR, TX, WA

Gridiron Insurance Underwriters Inc.

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

Hinterland Insurance

Coverages Builders Risk, CGL, Inland Marine, Property Carrier Status Non-admitted States All States

Hull & Company

Coverages Auto Comm-Nonstandard, Auto CommNonstandard Phys Dmg, CGL Carrier Status Non-admitted States All States except DC

Integrated Underwriters ®

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

Carrier Status Admitted, Non-admitted States Most States

Legacy Employer Concepts LLC

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

Logic Underwriters, a PCF Company

Coverages Builders Risk, Equipment, GL, Property

Carrier Status Admitted, Non-admitted States TX

M.J. Hall & Company Insurance Brokers

Coverages CGL, Contractors Equip, Excess Liab, Pollution Liab, Property Carrier Status Admitted, Non-admitted States AK, AZ, CA, CO, HI, ID, KS, MT, NE, NM, NV, OR, TX, UT, WA, WY

MexiPass International Insurance Services LLC

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

MiniCo Insurance Agency, a Jencap Company

Coverages Auto Comm-Standard, CGL, Equipment Breakdown, Excess Liab, GL, Tools & Equip

Carrier Status Admitted, Non-admitted States NY

Monarch E&S Insurance Services

Coverages Blanket Addt’l Insureds, CGL

Carrier Status Non-admitted States All States

NEXT Insurance

Coverages CGL, E&O, Equipment, Professional Liab

Carrier Status Admitted States All States

Omaha National

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

Oryx Insurance Brokerage Inc.

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

PartnerOne Environmental

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

Philadelphia Insurance Companies

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

Carrier Status Admitted States All States except LA

Quaker Special Risk, a Jencap Company (Florida)

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

Quaker Special Risk, a Jencap Company (Mass.)

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

Quaker Special Risk, a Jencap Company (New Jersey)

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

Quirk & Company

Coverages CGL, Contractors Equip, D&O, E&O, Environmental Liab, Equipment, Excess Flood, Excess Liab, Flood, Kidnap/Ransom, Pollution Liab, Professional Liab, Property Carrier Status Non-admitted States LA, OK, OR, TN, TX, WA

REInsurePro

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

Shield Commercial Insurance Services

Coverages Excess Liab, GL, Inland Marine, Pollution, Professional Liab, Workers’ Comp Carrier Status Non-admitted States Most States

Southwest Risk

Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Umbrella Carrier Status Non-admitted States All States

The McGowan Companies

Coverages Commercial Excess, Excess Liab, Umbrella States All States

Union General Insurance Services Inc.

Coverages Blanket Addt’l Insureds, Blanket Waivers, Builders Risk, CGL, Commercial Excess, Completed Operations Liab, Contractors Equip, Equipment, Equipment Breakdown, Excess Liab, Pollution, Pollution Liab, Property, Tools & Equip, Umbrella Carrier Status Non-admitted States AZ, CA, NM, NV, OR, TX, UT, WA

US Assure

Coverages Builders Risk, Business Income, COC, Contractors Equip, Earthquake, Fire, Flood, Hail, High Valued Homes, Installation Floaters, Residential Property, Theft, Weather, Wind Carrier Status Admitted States All States

Wrap Up Insurance Solutions

Coverages GL, Residential `wrap-up` States All States

Contractors-Landscape

Applied Underwriters Inc.

Coverages Pollution Liab, Property, Workers’ Comp

States All States

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

Coverages Auto Comm-Nonstandard, Auto Comm-Standard, Builders Risk, CGL, COC, Contractors Equip, Excess Liab, GL, Inland Marine, Property, Workers’ Comp

Carrier Status Admitted, Non-admitted

States All States except AK, FL, HI, MD, NY, VT

Frank Winston Crum Insurance

Coverages Excess Liab, GL, Workers’ Comp

Carrier Status Admitted States Most States

Gridiron Insurance Underwriters Inc.

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

KZ Insurance Brokerage LLC

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

Carrier Status Admitted, Non-admitted

States All States except ND, OH, WA, WY

MiniCo Insurance Agency, a Jencap Company

Coverages Commercial Auto, CGL, GL, Herbicide & Pesticide, Inland Marine, Property, Workers’ Compensation

Carrier Status Admitted, Non-admitted States All States

Omaha National

Coverages Workers’ Comp Carrier Status Admitted

States AZ, CA, CT, GA, IA, IL, NC, NE, NJ, NY, PA, SC

Oryx Insurance Brokerage Inc.

Coverages Auto Comm-Standard, GL, Umbrella, Workers’

Comp Carrier Status Admitted States CT, DE, MD, NJ, NY, PA, VT

REInsurePro

Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Completed Operations Liab, Contractors Equip, Contractors

License Bonds, Excess Liab, Inland Marine, Pollution Liab, Products Liab Carrier Status Admitted, Non-admitted

States All States except NJ, NY

Shield Commercial Insurance Services

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

Carrier Status Non-admitted States Most States

2024 Annual Program Directory, Summer Edition

Contractors-Marine

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

Coverages Auto Comm-Standard, GL Carrier Status

Admitted States All States except AL, KS, LA, MS, TX, WI

JM Wilson

Coverages CGL, GL, Inland Marine, Marina Operators Legal, Property, Protection & Indemnity (P&I), Tools & Equip

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

LIG Marine Managers

Coverages CGL, Contractors Equip, Equipment, Federal LHWCA, Foreign GL, Hull, Int’l Coverage - Commercial, Pollution Liab, Products Liab, Protection & Indemnity (P&I), Ship Repairers Legal, Tools & Equip, Umbrella, USL&H, Wet Marine, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

The American Equity Underwriters Inc.

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

The Hanover Insurance Group

Coverages Builders Risk, Contractors Equip, Installation Floaters, Property Carrier Status Admitted States All States

Contractors-Oil & Gas

Ashley General Agency

Coverages CGL, Excess Liab, Pollution Liab, Professional Liab Carrier Status Non-admitted States TX

Novatae Risk Group

Coverages Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, GL, Inland Marine, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Quirk & Company

Coverages CGL, Contractors Equip, Control of Well, D&O, E&O, Environmental Liab, Equipment, Excess Flood, Excess Liab, Flood, Kidnap/Ransom, Pollution Liab, Professional Liab, Property Carrier Status Non-admitted States LA, OK, OR, TX, WA

Southwest Risk

Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Umbrella Carrier Status Non-admitted States All States

Western Surplus Lines Agency Inc.

Coverages Blanket Addt’l Insureds, Blanket Waivers, Cargo, CGL, Control of Well, Hired & Non-owned Auto, Inland Marine, Medical Payments, Pollution Liab, Professional Liab, Rented Property, Tools & Equip Carrier Status Non-admitted States LA, ND, NM, OK, TX

Contractors-Plumbing

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

Coverages GL, Workers’ Comp States All States except AK, DC, HI, NY

Greene & Associates

Coverages CGL, GL Carrier Status Non-admitted States NY

Gridiron Insurance Underwriters Inc.

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

Integrated Underwriters ®

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

Norman-Spencer Agency LLC

Coverages GL, Inland Marine, Property, Umbrella Carrier Status Admitted, Non-admitted States All States

Omaha National

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

Oryx Insurance Brokerage Inc.

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

REInsurePro

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

Shield Commercial Insurance Services

Coverages Excess Liab, GL, Inland Marine, Pollution, Professional Liab, Workers’ Comp Carrier Status Non-admitted States Most States

Contractors-Roofing

Amwins - 150+ Locations Worldwide

Coverages GL, Medical Payments, Umbrella Carrier Status Admitted States All States except AK, HI

Greene & Associates

Coverages CGL, GL Carrier Status Non-admitted States NY

Hull & Company

Coverages Auto Comm-Nonstandard, Auto CommNonstandard Phys Dmg, CGL, Contractors Equip

Carrier Status Non-admitted States All States except DC

Integrated Underwriters ®

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

Legacy Employer Concepts LLC

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

MexiPass International Insurance Services LLC

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

NeitClem Wholesale Insurance Brokerage Inc.

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

Norman-Spencer Agency LLC

Coverages Auto Comm-Standard, Excess Liab, GL, Tools & Equip Carrier Status Admitted, Non-admitted States All States

Norman-Spencer International Inc.

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

Novatae Risk Group

Coverages Builders Risk, GL, Inland Marine, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Quaker Special Risk, a Jencap Company (Florida)

Coverages CGL, GL, Liability, Umbrella

Carrier Status Non-admitted States Most States

Quaker Special Risk, a Jencap Company (Mass.)

Coverages CGL, GL, Liability, Umbrella

Carrier Status Non-admitted States Most States

Quaker Special Risk, a Jencap Company (New Jersey)

Coverages CGL, GL, Liability, Umbrella

Carrier Status Non-admitted States Most States

REInsurePro

Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Completed Operations Liab, Contractors Equip, Contractors License Bonds, Excess Liab, Inland Marine, Pollution Liab, Products Liab Carrier Status Non-admitted States All States except NJ, NY

Shield Commercial Insurance Services

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

Carrier Status Non-admitted States Most States

Southwest Risk

Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Umbrella Carrier Status Non-admitted States All States

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

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

Contractors-Service

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

Coverages Auto Comm-Nonstandard, Auto Comm-Standard, Builders Risk, CGL, COC, Contractors Equip, Excess Liab, GL, Inland Marine, Property, Workers’ Compensation

Carrier Status Admitted, Non-admitted

States All States except AK, FL, HI, MD, NY, VT

Frank Winston Crum Insurance

Coverages Excess Liab, GL, Workers’ Comp

Carrier Status Admitted States Most States

JC Wilson Consulting Inc.

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

KZ Insurance Brokerage LLC

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

Carrier Status Admitted, Non-admitted States All States except ND, OH, WA, WY

Oryx Insurance Brokerage Inc.

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

REInsurePro

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

Ryan Specialty National Programs

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

Shield Commercial Insurance Services

Coverages Excess Liab, GL, Inland Marine, Pollution, Professional Liab, Workers’ Comp Carrier Status Non-admitted States Most States

Contractors-Swimming Pools

Frank Winston Crum Insurance

Coverages Excess Liab, GL, Workers’ Comp Carrier Status Admitted States Most States

M.J. Hall & Company Insurance Brokers

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

Omaha National

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

Shield Commercial Insurance Services

Coverages Excess Liab, GL, Inland Marine, Pollution, Professional Liab, Workers’ Compensation Carrier Status Non-admitted States Most States

Contractors-Underground Storage Tanks

AAU, A division of USG Insurance Services

Coverages Auto Comm-Standard, Auto Comm-Standard Phys Dmg, Contractors Equip, Environmental Liab, GL, Inland Marine, Motor Truck Cargo, Pollution, Umbrella, Workers’ Comp Carrier Admitted, Non-admitted States All States

Freberg Environmental Inc.

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

Jencap Specialty Insurance Services (Environmental) Coverages Pollution, Pollution Liab Carrier Status Non-admitted States All States

Convenience Stores

Business Alliance Insurance Company

Coverages BOP, Cyber Liab, EPLI, Equipment Breakdown, Liquor Liab Carrier Status Admitted States CA

Covenant Underwriters

Coverages Crime, Cyber Liab, Flood, GL, Pollution, Property Carrier Status Non-admitted States All States except AK, HI

Gorst & Compass Insurance

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

Markel

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

McLeckie Insurance Group

Coverages Business Income, Crime, EPLI, Equipment, Food Borne Illness, Liquor Liab, Property Carrier Status Non-admitted States All States

NEXT Insurance

Coverages BOP, Cyber Liab, EPLI, GL, Liquor Liab, Workers' Comp Carrier Status Admitted States All States

TAPCO Underwriters Inc.

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

UCA General Insurance Services Inc.

Coverages Business Income, CGL, Crime, Cyber Liab, EPLI, Equipment Breakdown, Fire Legal Liab, Medical Payments, Property, Umbrella Carrier Status Admitted States AZ, CA, ID, NV, OR, UT, WA

XPT Specialty

Coverages Business Interruption, CGL, Excess Liab, Fire, Fire Legal Liab,

Cosmetic Manufacturers

Brownyard Group

Coverages Business Income, Business Interruption, CGL, Employee Benefits, Fire, Fire Legal Liab, GL, Glass, Inland Marine, Liability, Personal Property, Products Liab, Property, Workers’ Comp Carrier Status Non-admitted States All States except KS

Cosmetic Insurance Services, a division of EPIC Brokers

Coverages Commercial Auto, Boiler & Machinery, Crime, GL, Inland Marine, Products Liab, Property, Umbrella Carrier Status Admitted States All States

Euclid Life Science Specialty LLC

Coverages Commercial Excess, Completed Operations Liab, E&O, Excess Liab, GL, Liability, Products Liab, Professional Liab Carrier Status Non-admitted States All States

Counselors/Counseling Centers

Affinity Nonprofits

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

Care Providers Insurance Services

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

Charity First Insurance Services Inc.

Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, Boiler & Machinery, Business Income, CGL, Crime, Cyber Liab, EPLI, Equipment

Breakdown, Inland Marine, Liquor Liab, Nonprofit D&O, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States

Negley Associates

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

Nonprofits Insurance Alliance

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

Carrier Status Non-admitted States Most States

Philadelphia Insurance Companies

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

Venture Insurance Programs

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

Country Clubs

KZ Insurance Brokerage LLC

Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Admitted States All States except ND, OH, WA, WY

Philadelphia Insurance Companies

Coverages Abuse & Molestation, Commercial Auto, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, Food Spoilage, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Liquor Liab, Participant Accident, Professional Liab, Property, Real & Business Personal Prop, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA

RPS Signature Programs

Coverages Accident & Health, Auto Comm-Standard, Crime, D&O, Earthquake, Employee Benefits, EPLI, Fiduciary Liab, Flood, Herbicide & Pesticide, Inland Marine, Liquor Liab, Pollution Liab, Property, Umbrella, Workers’ Comp States All States

Sports & Fitness Insurance Corporation (SFIC)

Coverages Accident & Health, Assault & Battery, Auto CommStandard, Boiler & Machinery, BOP, Builders Risk, Business Income, Business Interruption, CGL, Crime, Cyber Liab, D&O, EPLI, Equipment Breakdown, Flood, GL, Pool & Spa Liab, Professional Liab, Umbrella, Workers’ Comp Carrier Status Admitted States All States

2024 Annual Program Directory, Summer Edition

Venture Insurance Programs

Coverages D&O, E&O, EPLI, Excess Liab, GL, Herbicide & Pesticide, Liquor Liab, Pollution, Property, Tee-to-Green, Umbrella, Workers’ Comp Carrier Status Admitted States All States

Couriers

National Indemnity Company

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

Omaha National

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

Parcel Insurance Plan

Coverages Cargo, Inland Marine Carrier Status Admitted States All States

Risk Strategies, Transportation Group

Coverages Auto Comm-Standard, Bailee/Customer Goods, Blanket Addt’l Insureds, Cargo, CGL, Crime, E&O, EPLI, Equipment, Fidelity, Hired & Non-owned Auto, Occupational Accident, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States

Crane,

Scaffolding & Equipment

Rental Dealers

Ascinsure Specialty Risk

Coverages Auto Comm-Standard, Crime, Cyber Liab, GL, Inland Marine, Liability, Property, Umbrella, Workers’ Comp

Carrier Status Non-admitted States All States

RPS Signature Programs

Coverages Auto Comm-Standard, Crime, Equipment, Excess Liab, GL, Inland Marine, Workers’ Comp States All States

Western Surplus Lines Agency Inc.

Coverages CGL, Contractors Equip, Inland Marine

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

Crop Dusters/Sprayers

XPT Specialty

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

Dairies

Agricultural Insurance Mgmt Services

Coverages Equipment Breakdown, Homeowners Pkg, Identity Theft, Liability, Property, Tools & Equip Carrier Status Admitted States Most States

Mark D. Fredricksen Insurance Services

Coverages CGL, Livestock/Animal Mortality, Property Carrier Status Admitted States All States except AK, DC, FL, HI

Omaha National

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

Dance Schools/Studios

InsuranceHelper.com

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

Sports & Fitness Insurance Corporation (SFIC)

Coverages GL, Property Carrier Status Admitted States All States

Sports & Wellness Insurance

Coverages Abuse & Molestation, Accident & Health, Crime, Cyber Liab, D&O, GL, Hired & Non-owned Auto, Inland Marine, Property, Umbrella Carrier Status Admitted, Non-admitted States All States

Day Care/Preschools

Charity First Insurance Services Inc.

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

Gorst & Compass Insurance Coverages CGL, Property Carrier Status Non-admitted States CA

Markel

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

Negley Associates

Coverages CGL, Professional Liab

Carrier Status Non-admitted States All States

NEXT Insurance

Coverages BOP, Cyber Liab, EPLI, Excess Liab, GL, Umbrella, Workers' Comp Carrier Status Admitted States All States

Nonprofits Insurance Alliance

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

Philadelphia Insurance Companies

Coverages Abuse & Molestation, Commercial Auto, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Participant Accident, Professional Liab, Property, Real & Business Personal Prop, Sexual Misconduct, Umbrella, Uninsured Motorists Carrier Admitted States All States except LA TAPCO Underwriters Inc.

Coverages Abuse & Molestation, Accessories, GL, Professional Liab, Property Carrier Status Non-admitted States Most States

Day Spas

Insurtec Tanning and Spa Insurance

Coverages Addt’l Expense, BOP, Business Income, Business Interruption, CGL, Crime, EPLI, Equipment Breakdown, Fire Legal Liab, Hired & Non-owned Auto, Misc Professional Liab, Professional Liability, Property, Tanning Liability Carrier Status Non-admitted States All States except MO Marine Agency Corporation

Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, BOP, Business Interruption, CGL, EPLI, GL, Hired & Non-owned Auto, Liability, Professional Liab, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except AK, HI

Philadelphia Insurance Companies

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

Professional Program Ins. Brokerage, a Div of SPG Ins. Coverages Abuse & Molestation, Blanket Addt’l Insureds, CGL, Commercial Excess, Cyber Liab, GL, Inland Marine, Liability, Media Liab, Products Liab, Professional Liab, Property, Sexual Misconduct, Tanning Liab, Teachers Liab Carrier Status Non-admitted States All States

SASSI - Salon & Spa Specialty Insurance

Coverages BOP, Business Income, Business Interruption, CGL, Fire, Fire Legal Liability, GL, Glass, Inland Marine, Liability, Medical Payments, Professional Liability, Property, Theft, Tools & Equip Carrier Status Admitted States All States except AK, HI, VA, WA

Sports & Fitness Insurance Corporation (SFIC)

Coverages Accident & Health, Accidental Death, Auto CommStandard, Auto Comm-Standard Liability, BOP, EPLI, Fine Arts, Fire Legal Liability, Flood, Glass, Pool & Spa Liability, Professional Liability, Property, Umbrella Carrier Status Admitted States All States

Universal Insurance Programs

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

Venture Insurance Programs

Coverages Auto Comm-Standard, Crime, Cyber Liab, D&O, EPLI, GL, Liquor Liab, Professional Liab, Property, Umbrella Carrier Status Admitted States All States

2024 Annual Program Directory, Summer Edition

Dealers-Propane

Amwins - 150+ Locations

Coverages Auto Comm-Standard, Crime, Equipment

Excess Liab, GL, Inland Marine, Property, Umbrella Carrier Status Admitted, Non-admitted States All States

Delivery- Wholesale/Retail

Amwins - 150+ Locations Worldwide

Coverages All Risks/Cash in Transit, Cargo, Commercial Marine, Wet Marine Carrier Status Admitted States All States IPC

Coverages Hired & Non-owned Auto Carrier Non-admitted States All States except FL, LA, NJ

Mover’s Choice Insurance

Coverages Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, Cargo, CGL, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States

Omaha National

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

Parcel Insurance Plan

Coverages Cargo, Inland Marine Carrier Status Admitted States All States

Dentists

Berkley Select | a Berkley Company

Coverages E&O, Medical Malpractice Carrier Status Admitted, Non-admitted States All States

Cowbell Cyber

Coverages Breach of Security, Business Income, Business Interruption, Cyber Liab Carrier Status Admitted States Most States

KZ Insurance Brokerage LLC

Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States except ND, OH, WA, WY

TDC Specialty Underwriters

Coverages Liability, Medical Malpractice, Professional Liab Carrier Status Admitted, Non-admitted States All States except KS, NH, NY

Developmental Disability Facilities

Care Providers Insurance Services

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

Irwin Siegel Agency

Coverages Abuse & Molestation, Commercial Auto, Boiler & Machinery, Business Income, Crime, Cyber Liab, D&O, Developmental Disabilities, Disability, Environmental Liab, EPLI, Excess Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Inland Marine, Medical & Physical Rehab, Medical Payments, Mental Health Care, Pollution Liab, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States

Negley Associates

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

Nonprofits Insurance Alliance

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

Philadelphia Insurance Companies

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

RPS Signature Programs

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

Dialysis Centers

Pro-Praxis Insurance

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

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

Distributors

Amwins - 150+ Locations Worldwide

Coverages GL, Legal Liab, Motor Truck Cargo, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Brownyard Group

Coverages Business Income, Business Interruption, CGL, Employee Benefits, Fire, Fire Legal Liab, GL, Glass, Inland Marine, Liability, Personal Property, Products Liab, Property, Workers’ Comp Carrier Status Non-admitted States All States except KS

Cosmetic Insurance Services, a division of EPIC Brokers

Coverages Commercial Auto, Boiler & Machinery, Crime, GL, Inland Marine, Products Liab, Property, Umbrella Carrier Status Admitted States All States

Euclid Life Science Specialty LLC

Coverages Commercial Excess, Completed Operations Liab, E&O, Excess Liab, GL, Liability, Products Liab, Professional Liab Carrier Status Non-admitted States All States

Joseph Chiarello & Co., Inc.; Firearms Business Insurance Coverages CGL, Equipment Breakdown, Firearms Liability, Inland Marine, Property, Umbrella Carrier Status Admitted States All States

MexiPass International Insurance Services LLC

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

PEO Brokers Group

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

Professional Program Ins. Brokerage, a Div of SPG Ins. Coverages Blanket Addt’l Insureds, CGL, Commercial Excess, Cyber Liab, Inland Marine, Misc Professional Liab, Products Liab, Property Carrier Status Non-admitted States All States

Driving Ranges

McGowan Allied Specialty Insurance

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

Philadelphia Insurance Companies

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

Drones/Unmanned Aerial Systems

R.V. Nuccio & Associates

Coverages GL, Hull,

Dry Cleaners/Laundries

Philadelphia Insurance Companies

Coverages Commercial Auto, Boiler & Machinery, Business Income, Care/Custody/Control, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Participant Accident, Personal Property, Professional Liab, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA

E-cigarette Manufacturers/Distributors

Professional Program Ins. Brokerage, a Div of SPG Ins. Coverages GL, Inland Marine, Products Liab, Property Carrier Status Non-admitted States All States

Emergency Service Org’s

Pro-Praxis Insurance

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

Employee Leasing Firms

RPS Technology & Cyber

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

Ryan Specialty National Programs

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

Staffing Lines

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

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

Employment Agencies

Philadelphia Insurance Companies

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

Professional Underwriters Agency (PUA) Coverages E&O, Professional Liab Carrier Status Admitted, Non-admitted States All States

RPS Technology & Cyber

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

Ryan Specialty National Programs

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

Staffing Lines

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

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

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

Engineers-Environmental

Access E&S Insurance Services

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

Beacon Hill Associates

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

Commercial Sector Insurance Brokers LLC

Coverages CGL, E&O, Excess Liab, Misc Professional Liab, Pollution, Pollution Liab, Professional Liab, Umbrella Carrier Status Non-admitted States Most States

Jencap Specialty Insurance Services (Environmental)

Coverages Pollution, Pollution Liab Carrier Status Non-admitted States All States

Target Professional Programs

Coverages E&O, EPLI, Professional Liability Carrier Status Non-admitted States All States except AK, HI

Virtue Risk Partners LLC

Coverages Auto Comm-Standard, CGL, Commercial Excess, E&O, Environmental Liab, Workers’ Comp Carrier Status Non-admitted States All States

Engineers-Geotechnical

Freberg Environmental Inc.

Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, E&O, Environmental Liab, EPLI, GL, Hired & Nonowned Auto, Pollution, Pollution Liab, Professional Liab, Transportation Pollution Liab Carrier Status Non-admitted States All States

Jencap Specialty Insurance Services (Environmental)

Coverages Pollution, Pollution Liab

Carrier Status Non-admitted States All States

Victor Insurance Managers LLC

Coverages Cyber Liab, E&O States All States

Entertainer Buses

5Star Specialty Programs

Coverages Auto Comm-Nonstandard, Auto CommNonstandard Liability, Auto Comm-Nonstandard Phys Dmg, Commercial Auto, Excess Liab, GL, Workers’ Comp Carrier Status Admitted States All States

KF&B Program Managers Insurance Services

Coverages Auto Comm-Standard, Auto Comm-Standard Phys Dmg, Commercial Excess, Garage Keepers Legal Liab, Garage Liability, GKLL, GL, Hired & Non-owned Auto, Uninsured Motorists, Workers’ Comp Carrier Status Admitted States All States except LA, MA

National Indemnity Company

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

Entertainment Equipment Rental Houses

Alive Risk

Coverages Accident & Health, Accidental Death, Contingent Coverages, Event Cancellation, Excess Liab, GL, Hired & Nonowned Auto, Inland Marine, Liquor Liab, Workers’ Comp States All States

Environmental Engineers/Consultants/ Contractors

Access E&S Insurance Services

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

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

DeCotis Specialty Insurance

Coverages Blanket Addt’l Insureds, Blanket Waivers, Commercial Excess, Contractors Equip, Environmental Liab, EPLI, Fire Legal Liab, GL, Medical Payments, Pollution, Professional Liab Carrier Status Admitted, Non-admitted States CO, CT, FL, MA, ME, NH, NJ, NY, PA, RI, VA, VT

Freberg Environmental Inc.

Coverages Blanket Addt’l Insureds, CGL, Commercial Excess, E&O, EPLI, GL, Hired & Non-owned Auto, Pollution, Pollution Liab, Professional Liab, Transportation Pollution Liab, Umbrella Carrier Status Non-admitted States All States

2024 Annual Program Directory,

Jencap Specialty Insurance Services (Environmental)

Coverages Auto Comm-Standard, GL, Pollution, Pollution Liab, Workers’ Comp Carrier Status Non-admitted States All States

JM Wilson

Coverages Business Income, Cyber Liab, EPLI, Excess Liab, GL, Hired & Non-owned Auto, Inland Marine, Pollution Liab, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States except AK, HI, NY

Norman-Spencer International Inc.

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

PartnerOne Environmental

Coverages CGL, E&O, Pollution Carrier Status Non-admitted States All States

Philadelphia Insurance Companies

Coverages Commercial Auto, Business Income, Business Interruption, CGL, D&O, Equipment Breakdown, Fiduciary Liab, GL, Hired & Non-owned Auto, Inland Marine, NonTrucking Auto Liab, Professional Liab, Property, Umbrella Carrier Status Admitted States All States except LA

Roush Insurance Services Inc.

Coverages Auto Comm-Nonstandard, Blanket Addt’l Insureds, Blanket Waivers, CGL, Commercial Excess, Completed Operations Liab, Contractors Equip, E&O, Environmental Liab, Excess Liab, Fidelity Bonds, GL, Hired & Non-owned Auto, Inland Marine, Liability, Motor Truck Cargo, Pollution, Professional Liab, Property, Real & Business Personal Prop, Service Contracts, Umbrella, Workers’ Comp Carrier Status Non-admitted States IA, IL, IN, OH, WI

Target Professional Programs

Coverages E&O, EPLI, Professional Liability

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

Virtue Risk Partners LLC

Coverages Auto Comm-Standard, CGL, Commercial Excess, E&O, Environmental Liab, Workers’ Comp

Carrier Status Non-admitted States All States

Equipment Dealers/Rentals

Ascinsure Specialty Risk

Coverages Auto Comm-Standard, Inland Marine, Liability, Property, Umbrella States All States

NBIS

Coverages Auto Comm-Standard, Auto Comm-Standard Phys

Dmg, CGL, Commercial Excess, Contractors Equip, Excess Liab, Inland Marine, Liability, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Exercise/Health Studios/Health Clubs

NeitClem Wholesale Insurance Brokerage Inc.

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

Philadelphia Insurance Companies

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

Roush Insurance Services Inc.

Coverages Assault & Battery, Boiler & Machinery, Business Income, Business Interruption, CGL, Commercial Excess, Crime, D&O, EPLI, Equipment, Excess Liab, Fire, GL, Inland Marine, Liability, Misc Professional Liab, Pool & Spa Liab, Property, Real & Business Personal Prop, Sexual Misconduct, Tanning Liab, Theft Carrier Status Non-admitted States IA, IL, IN, OH, WI

RPS Signature Programs

Coverages Liability, Property Carrier Status Admitted States All States

Sports & Wellness Insurance

Coverages Abuse & Molestation, Accident & Health, Crime, Cyber Liab, D&O, GL, Hired & Non-owned Auto, Inland Marine, Property, Umbrella Carrier Status Admitted, Non-admitted States All States

Venture Insurance Programs

Coverages Auto Comm-Standard, Crime, Cyber Liab, D&O, EPLI, GL, Liquor Liab, Professional Liab, Property, Umbrella Carrier Status Admitted States All States

Exporters

Meridian Finance Group

Coverages Performance & Payment Bonds, Products Liab States All States

Parcel Insurance Plan

Coverages Cargo, Inland Marine Carrier Status Admitted States All States

Family Fun Centers

Alive Risk

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

McGowan Allied Specialty Insurance

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

NeitClem Wholesale Insurance Brokerage Inc.

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

The McGowan Companies

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

Farm & Ranch

Agricultural Insurance Mgmt Services

Coverages Auto Comm-Standard, Care/Custody/Control, CGL, Commercial Excess, Equipment Breakdown, Excess Liab, Horse Mortality, Property, Umbrella Carrier Status Admitted States Most States

American Reliable

Coverages Care/Custody/Control, CGL, Liability, Livestock/ Animal Mortality, Physical Damage, Property Carrier Status Admitted States All States except AK, HI

Equine Insurance Specialists LLC

Coverages Auto Comm-Standard, Horse Mortality, Liability, Property, Umbrella Carrier Status Admitted States All States except AK, FL, HI

Mark D. Fredricksen Insurance Services

Coverages Auto Comm-Standard, Care/Custody/Control, CGL, Commercial Excess, Earthquake, Excess Liab, Horse Mortality, Property, Umbrella Carrier Status Admitted States All States except AK, DC, FL, HI

Markel

Coverages Auto Comm-Standard, Care/Custody/Control, GL, Inland Marine, Property, Umbrella Carrier Status Admitted States All States except AK, HI

Monarch E&S Insurance Services

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

South & Western General Agency Inc.

Coverages Auto Comm-Standard, Excess Liab, GL, Inland Marine, Property Carrier Status Admitted States AR, MS, NM, OK, TN, TX

XPT Specialty

Coverages CGL, Combo Personal & Commercial, Dwelling Fire, Equipment, Inland Marine, Livestock/Animal Mortality, Property Carrier Status Admitted, Non-admitted States All States

Farm Labor Contractors

XPT Specialty

Coverages Excess Liab, GL, Herbicide & Pesticide, Inland Marine, Professional Liab Carrier Status Non-admitted S tates All States

Fast Food Restaurants

Business Alliance Insurance Company

Coverages BOP, Cyber Liab, EPLI, Equipment Breakdown, Liquor Liab Carrier Status Admitted States CA

Omaha National

Coverages Workers’ Comp Carrier Status Admitted States AZ, CA, CT,

PEO Brokers Group

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

The McGowan Companies

Coverages Commercial Excess, Umbrella Carrier Status

2024 Annual Program Directory, Summer Edition

Festivals & Fairs

Alive Risk

Coverages Accident & Health, Contingent Coverages, Event

Cancellation, Excess Liab, GL, Hired & Non-owned Auto, Inland Marine, Liquor Liab States All States

BUA LLC

Coverages CGL, Event Cancellation, Weather Carrier Status Non-admitted States All States

InsuranceHelper.com

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

Carrier Status Non-admitted States All States

McGowan Allied Specialty Insurance

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

Philadelphia Insurance Companies

Coverages Abuse & Molestation, Commercial Auto, Blanket Addt’l Insureds, Boiler & Machinery, Business Income, Business Interruption, CGL, Commercial Excess, Crime, D&O, EPLI, Equipment Breakdown, Inland Marine, Participant Accident, Umbrella Carrier Status Admitted States All States except LA

Financial Institutions

Meridian Finance Group

Coverages Int’l Coverage - Commercial, Political Risk States All States

Proctor Loan Protector

Coverages Blanket Forced Placed, E&O, Excess Flood, Flood, Force Place Fire Cvrg, Foreclosed Properties, High Valued Homes, Mobile Home Ins, Mortgage Impairment, Mortgage REO Cvrg, Rented Property, Residential Property Carrier Status Non-admitted States All States

Ryan Specialty National Programs

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

Unitas Financial Services

Coverages Blanket Forced Placed, Collateral Protection, D&O, Force Place Fire Cvrg, Foreclosed Properties, Mortgage Impairment, Mortgage REO Cvrg, Professional Liab Carrier Status Admitted, Non-admitted States All except AK, HI Wilkoff Bonds

Coverages Crime, Fidelity, Fidelity Bonds, Fiduciary Liab Carrier Status Admitted States All States

Financial

CalSurance Associates, a Div. of Brown & Brown Program

E&O Carrier Status Admitted, Non-admitted

Food Trucks

IPC

Coverages Blanket Addt’l Insureds, Business Income, CGL, Food Spoilage, Inland Marine, Liability, Property, Theft Carrier Status Admitted, Non-admitted States AR, AZ, CA, CO, IA, ID, KS, LA, MN, MO, MT, ND, NE, NM, NV, OK, OR, SD, TX, UT, WA, WY

Food Vendors

Great American Insurance Group, Alternative Markets

Coverages Auto Comm-Standard, BOP, CGL, Inland Marine, Property, Umbrella, Workers' Comp Carrier Status Admitted, Non-admitted States All States

InsuranceHelper.com

Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Fire Legal Liab, GL, Hired & Non-owned Auto, Liability, Liquor Liab, Medical Payments, Personal Liab, Products Liab, Trade Shows & Festivals Carrier Status Non-admitted States All States

K&K Insurance Group Inc.

Coverages CGL, Inland Marine Carrier Status Admitted States All States

Forestry Services

Arrowhead General Insurance Agency Inc.

Coverages Earthquake, Equipment, Equipment Breakdown, Flood Carrier Status Admitted States All States

Balance Partners - Maven

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

Continental Underwriters Inc.

Coverages Builders Risk, Business Income, Business Interruption, Combo Personal & Commercial, Commercial Excess, Crime, Equipment Breakdown, GL, Inland Marine, Int’l Coverage - Commercial, Int’l Coverage - Personal, Property, Umbrella, Wind, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Victor Insurance Managers LLC

Coverages Auto Comm-Standard, Cargo, Cyber Liab, Excess Liab, GL, Inland Marine, Property Carrier Status Admitted States All States except CA, LA, MI, NY

Foster Care

Negley Associates

Coverages CGL, Professional Liab

Carrier Status Non-admitted States All States

Nonprofits Insurance Alliance

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

RPS Signature Programs

Coverages Auto Comm-Standard, Excess Liab, GL, Property Carrier Status Admitted, Non-admitted States All States

Foundations

Affinity Nonprofits

Coverages Auto Comm-Standard, BOP, D&O, EPLI, Fiduciary Liab, Nonprofit D&O, Workers’ Comp Carrier Status Admitted States All States except HI

Berkley Select | a Berkley Company

Coverages D&O, EPLI, Fiduciary Liab, Nonprofit D&O

Carrier Status Admitted, Non-admitted States All States

Great American Ins. Group, Specialty Human Services

Coverages Abuse & Molestation, Auto Comm-Nonstandard, Blanket Addt’l Insureds, Business Income, CGL, Commercial Excess, Community/Social Svcs, Crime, Educator Legal

Liab, Employee Benefits, Equipment Breakdown, Fire Legal Liab, GL, Hired & Non-owned Auto, Inland Marine, Misc Professional Liab, Professional Liability, Umbrella

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

Nonprofits Insurance Alliance

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

Philadelphia

Coverages

Commercial Auto, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Physical Damage, Professional Liab, Property, Real & Business Personal Prop, Sexual Misconduct, Umbrella, Uninsured Motorists

Carrier Status Admitted States All States except LA

Fraternal Organizations

Charity First Insurance Services Inc.

Coverages Abuse & Molestation, Auto Comm-Standard, Business Income, CGL, Crime, Cyber Liab, Inland Marine, Liquor Liability, Property, Workers’ Comp

Carrier Status Admitted States All States

Gateway Specialty Insurance

Coverages Abuse & Molestation, Crime, E&O, EPLI, General Liability, Liquor Liability, Nonprofit D&O, Property Carrier Non-admitted States All States except AK, LA, WV

Irwin Siegel Agency

Coverages Abuse & Molestation, Commercial Auto, Boiler & Machinery, Business Income, Crime, Cyber Liab, D&O, EPLI, GL, Property, Umbrella Carrier Status Admitted, Non-admitted States All States

Funeral Directors

Balance Partners - Maven

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

Markel

Coverages E&O, Workers’ Comp Carrier

Garages

Admitted, Non-admitted States All States

JM Wilson Coverages Business Income, Crime, Cyber Liab, Dealers Open Lot, EPLI, Equipment Breakdown, Excess Liab, Flood, Garage Keepers Legal Liab, Garage Liability, GL, Hired & Nonowned Auto, Inland Marine, Physical Damage, Pollution Liab, Products Liab, Property, Umbrella, Workers’ Comp Carrier Status Non-admitted States Most States

KBK Insurance Group Inc.

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

Lancer Insurance Company

Coverages Garage Keepers Legal Liab, Garage Liability, GKLL Carrier Status Admitted, Non-admitted States CT, NJ, NY

National Indemnity Company

Coverages Dealers Open Lot, Garage Keepers Legal Liab, Garage Liability, GKLL, Medical Payments, Uninsured Motorists Carrier Status Admitted, Non-admitted States All States except HI, MA, NJ, NY

Prime Insurance Company

Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Dealers Open Lot, Difference in Conditions, Garage Keepers Legal Liab, Garage Liability, GKLL, GL, On-Hook Cargo, Personal Liab, Professional Liab, Property, Rented Property, Wrongful Repo Carrier Status Non-admitted States All States

Sun Coast General Insurance Agency

Coverages CGL, Dealers Open Lot, Garage Keepers Legal Liab, Garage Liability, GKLL, GL, Hired & Non-owned Auto, Property Carrier Status Admitted, Non-admitted States AZ, CA

Union General Insurance Services Inc.

Coverages CGL, E&O, Garage Keepers Legal Liab, Garage Liability, GKLL, GL, Products Liab, Professional Liab, Property, Uninsured Motorists Carrier Status Non-admitted States AZ, CA, NM, NV, OR, TX, UT, WA

Gentleman’s Clubs

MAXIMUM

Coverages Abuse & Molestation, Accident & Sickness, Addiction Treatment, Assault & Battery, Business Income, CGL, Crime, D&O, EPLI, Fire, Flood, GL, Hired & Nonowned Auto, Identity Theft, Legal Liab, Liability, Liquor Liab, Personal Property, Professional Liab, Property, Sexual Misconduct, Umbrella, Workers’

Golf Courses

Coastal Insurance Underwriters Inc.

Coverages Accessories, Business Income, Business Interruption, Crime, E&O, Employee Benefits, Environmental Liab, Fine Arts, Fire, Flood, GL, Herbicide & Pesticide, Hired & Non-owned Auto, Hurricane, Inland Marine, Liability, Liquor Liab, Property, Tee-to-Green, Umbrella

Carrier Status Non-admitted States FL

Great American Insurance Group, Alternative Markets

Coverages Auto Comm-Standard, BOP, CGL, Inland Marine, Property, Umbrella, Workers' Comp Carrier Status Admitted, Non-admitted States All States

Signature Specialty, LP

Coverages Business Interruption, GL, Inland Marine, Liquor Liab, Property, Tee-to-Green Carrier Status Non-admitted States All States

Venture Insurance Programs

Coverages D&O, E&O, EPLI, Excess Liab, GL, Herbicide & Pesticide, Liquor Liab, Pollution, Property, Tee-to-Green, Umbrella, Workers’ Comp Carrier Status Admitted States All States

Virtue Risk Partners LLC

Coverages Environmental Liab, Pollution Liab Carrier Status Non-admitted States All States

Grocery Stores/Supermarkets

Business Alliance Insurance Company

Coverages BOP, Cyber Liab, EPLI, Equipment Breakdown, Liquor Liab Carrier Status Admitted States CA

Great American Insurance Group, Alternative Markets

Coverages Auto Comm-Standard, BOP, CGL, Inland Marine, Property, Umbrella, Workers' Comp Carrier Status Admitted, Non-admitted States All States

Markel

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

Omaha National

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

UCA General Insurance Services Inc.

Coverages Business Income, CGL, Cyber Liab, EPLI, Fire Legal Liab, Medical Payments, Property, Umbrella Carrier Status Admitted States AZ, CA, ID, NV, OR, UT, WA

Group Homes

Care Providers Insurance Services

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

Charity First Insurance Services Inc.

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

Negley Associates

Coverages CGL, Professional Liability Carrier Status Non-admitted States All States

Nonprofits Insurance Alliance

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

Philadelphia Insurance Companies

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

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

2024 Annual Program Directory, Summer Edition

Guides & Outfitters

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

Coverages GL, Property, Umbrella Carrier Status Admitted States All States

McGowan Allied Specialty Insurance

Coverages Auto Comm-Standard, CGL, Crime, Equipment

Breakdown, Excess Liab, Hired & Non-owned Auto, Inland Marine, Property, Workers’ Comp Carrier Status Admitted States All States

Philadelphia Insurance Companies

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

Gymnastics Facilities

Philadelphia Insurance Companies

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

Sports & Wellness Insurance

Coverages Abuse & Molestation, Accident & Health, Crime, Cyber Liab, D&O, GL, Hired & Non-owned Auto, Inland Marine, Property, Umbrella Carrier Status Admitted, Non-admitted States All States

Hazardous Materials Transporters

Access E&S Insurance Services

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

Beacon Hill Associates

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

Freberg Environmental Inc.

Coverages Auto Comm-Nonstandard, Auto CommNonstandard Phys Dmg, CGL, Environmental Liab, GL, Hired & Non-owned Auto, Long Haul, Physical Damage, Pollution, Pollution Liab, Transportation Pollution Liab, Uninsured Motorists Carrier Status Admitted States All States except FL, HI, LA, MA, MS, NY

JM Wilson

Coverages Cargo, Excess Liab, GL, Hired & Non-owned Auto, Inland Marine, Physical Damage, Pollution Liab, Umbrella Carrier Status Admitted, Non-admitted States AR, AZ, CO, FL, GA, IA, IL, IN, KS, KY, MI, MO, NC, NE, NM, OH, OK, PA, SC, TN, UT, VA, WI, WV, WY

Target Managers Insurance Services

Coverages Auto Comm-Standard, CGL, Environmental Liab, Excess Liab, Pollution Liab, Property, Truck Auto Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Health Clubs

RPS Signature Programs

Coverages Liability, Property Carrier Status Admitted States All States

Sports & Fitness Insurance Corporation (SFIC)

Coverages Abuse & Molestation, Accident & Health, Accidental Death, Boiler & Machinery, BOP, Builders

Risk, Business Income, Business Interruption, CGL, Combo Personal & Commercial, Commercial Marine, Crime, Earthquake, Employee Benefits, EPLI, Equipment

Breakdown, Fire Legal Liab, Flood, GL, Glass, Hired & Nonowned Auto, Inland Marine, Liability, Liquor Liab, Misc Professional Liab, Performance & Payment Bonds, Products Liab, Professional Liab, Umbrella, Workers’ Comp

Carrier Status Admitted States All States

Sports & Wellness Insurance

Coverages Abuse & Molestation, Accident & Health, Crime, Cyber Liab, D&O, GL, Hired & Non-owned Auto, Inland Marine, Property, Umbrella Carrier Status Admitted, Nonadmitted States All States

Venture Insurance Programs

Coverages Auto Comm-Standard, Crime, Cyber Liab, D&O, EPLI, GL, Liquor Liab, Professional Liab, Property, Umbrella Carrier Status Admitted States All States

Healthcare Facilities

AllComp Solutions

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

Amalgamated Insurance Underwriters

Coverages Assault & Battery, Crime, Earthquake, Equipment

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

Amwins - 150+ Locations Worldwide

Coverages Crime, Employee Benefits, Fidelity Bonds, GL, Professional Liab, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Element22 Insurance Services

Coverages CGL, Professional Liab, Property Carrier Status Admitted States All States

NeitClem Wholesale Insurance Brokerage Inc.

Coverages Developmental Disabilities, Fire, Liability, Medical Malpractice, Professional Liab Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX

PEO Brokers Group

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

Pro-Praxis Insurance

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

Promont Insurance Advisors

Coverages CGL, Cyber Liab, Professional Liab,

RPS

Heavy Equipment Dealers

Coverages Auto Comm-Standard, Cyber

Inland Marine, Liability, Property, Umbrella States All States

NBIS

Coverages Auto Comm-Standard, Auto Comm-Standard Phys

Dmg, CGL, Commercial Excess, Contractors Equip, Excess Liab, Inland Marine, Liability, Umbrella, Workers’ Comp Carrier

Home Healthcare Providers

AllComp Solutions

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

Amwins - 150+ Locations Worldwide

Coverages Crime, Employee Benefits, Fidelity Bonds, GL, Professional Liab, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Care Providers Insurance Services

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

CRC Insurance Services

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

Logic Underwriters, a PCF Company

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

PEO Brokers Group

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

Philadelphia Insurance Companies

Coverages Abuse & Molestation, Commercial Auto, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, Cyber Liab, D&O, Hired & Non-owned Auto, Inland Marine, Medical Malpractice, Professional Liab, Property, Umbrella Carrier Status Admitted States All States except LA

Pro-Praxis Insurance

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

Promont Insurance Advisors

Coverages CGL, Cyber Liability, EPLI, Excess Liability, Hired & Non-owned Auto, Professional Liability, Property Carrier Status Non-admitted

2024 Annual Program Directory, Summer Edition

Home Healthcare Providers (continued)

Quaker Special Risk, a Jencap Company (Mass.)

Coverages Abuse & Molestation, CGL, Professional Liab Carrier Status Non-admitted States Most States

Quaker Special Risk, a Jencap Company (New Jersey)

Coverages Abuse & Molestation, CGL, Professional Liab Carrier Status Non-admitted States Most States

RPS Healthcare

Coverages D&O, EPLI, Excess Liab, GL, Professional Liab, Property States All States

Sapphire Blue

Coverages CGL, Professional Liab

Carrier Status Non-admitted States All States except KY

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

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

Home Inspectors

Landy Insurance Agency

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

Norman-Spencer Agency LLC

Coverages E&O, GL, Property Carrier Status Non-admitted States All States except AK, LA, WV

Professional Insurance Concepts

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

RealCare Insurance

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

Target Professional Programs

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

Home

Medical Equipment Dealers

Amwins - 150+ Locations Worldwide

Coverages Crime, Employee Benefits, Fidelity Bonds, GL, Professional Liab, Property, Workers’ Comp

Carrier Status Admitted, Non-admitted States All States

Philadelphia Insurance Companies

Coverages Abuse & Molestation, Boiler & Machinery, CGL, Crime, Cyber Liab, D&O, EPLI, Equipment Breakdown, Products Liab, Professional Liab, Property, Umbrella Carrier Status Admitted States All States except LA

Homebuilders

Applied Underwriters Inc.

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

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

Coverages Auto Comm-Standard, Excess Liab, GL, Inland Marine Carrier Status Admitted States All States except AK, CO, NY

Gridiron Insurance Underwriters Inc.

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

Omaha National

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

Quaker Special Risk, a Jencap Company (New Jersey)

Coverages Blanket Waivers, CGL, Liability Carrier Status Non-admitted States Most States

REInsurePro

Coverages Builders Risk, Business Income, CGL, Dwelling Fire, Earthquake, Equipment Breakdown, Flood, Foreclosed Properties, Hail, Hurricane, Liability, Medical Payments, Property, Rented Property, Residential Property, Vacant Building Carrier Status Non-admitted States All States except FL, LA, NY

US Assure

Coverages Builders Risk, Business Income, COC, Contractors Equip, Earthquake, Fire, Flood, Hail, High Valued Homes, Hurricane, Installation Floaters, Residential Property, Theft, Tools & Equip, Weather, Wind Carrier Status Admitted States All States

Victor Insurance Managers LLC

Coverages Builders Risk, Cyber Liab Carrier Status Admitted States All States except HI

Homeowner Associations

Amalgamated Insurance Underwriters

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

Amwins - 150+ Locations Worldwide

Coverages Auto Comm-Standard, Crime, Equipment

Breakdown, Flood, GL, Inland Marine, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States

Coastal Insurance Underwriters Inc.

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

Community Association Insurance Solutions LLC

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

Distinguished Programs

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

Element22 Insurance Services

Coverages Catastrophe, Excess Flood, Hurricane, Property, Real & Business Personal Prop, Weather, Wind Carrier Status Non-admitted States AL, FL, GA, LA, MS, NC, SC, TX, VA

Hinterland Insurance

Coverages CGL, Earthquake, GL, Property Carrier Status Non-admitted States All States except OK, TX

Ian H. Graham Insurance

Coverages Crime, D&O, Fidelity Carrier Status Admitted States All States

Kevin Davis Insurance Services

Coverages Crime, Cyber Liab, D&O, Excess Liab Carrier Status Admitted States All States

Mexico Insurance Online

Coverages Catastrophe, Earthquake, Fine Arts, Fire, Flood, Glass, Hail, High Valued Homes, Homeowners Pkg, Hurricane, Int’l Coverage - Personal, Pool & Spa Liab, Residential Property, Theft States All States

MexiPass International Insurance Services LLC

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

MiniCo Insurance Agency, a Jencap Company

Coverages D&O, Liability Carrier Status Non-admitted States All States

Philadelphia Insurance Companies

Coverages Commercial Auto, Boiler & Machinery, CGL, Crime, Employee Benefits, Equipment Breakdown, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Participant Accident, Professional Liab, Property, Real & Business Personal Prop, Umbrella, Uninsured Motorists

Carrier Status Admitted States All States except LA

Professional Insurance Concepts

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

US Assure

Coverages Builders Risk, Business Income, COC, Earthquake, Fire, Flood, Hail, High Valued Homes, Hurricane, Installation Floaters, Residential Property, Theft, Weather, Wind Carrier Status Admitted States All States

Horse Breeders/Boarders

Agricultural Insurance Mgmt Services

Coverages Care/Custody/Control, GL, Horse Mortality, Personal Liab Carrier Status Admitted States Most States

Equine Insurance Specialists LLC

Coverages Auto Comm-Standard, Horse Mortality, Liability, Property, Umbrella States All States except AK, FL, HI

Mark D. Fredricksen Insurance Services

Coverages Care/Custody/Control, Commercial Excess, Equipment, Horse Mortality, Mortality

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

Markel

Coverages Auto Comm-Standard, Business Interruption, Care/ Custody/Control, CGL, Excess Liab, Fire Legal Liab, GL, Inland Marine, Legal Liab, Medical Payments, Misc Professional Liab, Personal Property, Property, Tools & Equip, Umbrella Carrier Status Admitted States All States except DC, HI

Novatae Risk Group

Coverages Accident & Sickness, Horse Mortality, Inland Marine, Livestock/Animal Mortality, Medical, Mortality, Theft Carrier Status Admitted, Non-admitted States All States except AK, HI

Horse Farms

Agricultural Insurance Mgmt Services

Coverages Business Income, Care/Custody/Control, Combo Personal & Commercial, Equipment Breakdown, Homeowners Pkg, Horse Mortality, Liability, Tools & Equip

Carrier Status Admitted States Most States

AllComp Solutions

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

Carrier Status Admitted States All States

Equine Insurance Specialists LLC

Coverages Auto Comm-Standard, Horse Mortality, Liability, Property, Umbrella Carrier Status Admitted

States All States except AK, FL, HI

Mark D. Fredricksen Insurance Services

Coverages Auto Comm-Standard, Care/Custody/Control, Commercial Excess, Homeowners Pkg, Horse Mortality, Property Carrier Status Admitted

States All States except AK, DC, HI

Markel

Coverages Auto Comm-Standard, Business Interruption, Care/ Custody/Control, CGL, Excess Liab, Fire Legal Liability, GL, Inland Marine, Legal Liability, Medical Payments, Personal Property, Property, Tools & Equip, Umbrella Carrier Status Admitted States All States except DC, HI

Novatae Risk Group

Coverages Accident & Sickness, Horse Mortality, Inland Marine, Livestock/Animal Mortality, Medical, Mortality, Theft Carrier Status Admitted, Non-admitted

States All States except AK, HI

South & Western General Agency Inc.

Coverages Dwelling Fire, Equipment, Excess Liab, GL, Personal Property, Property Carrier Status Admitted States AR, MS, OK, TN, TX

Hospice Care Facilities

Care Providers Insurance Services

Coverages Abuse & Molestation, Accident & Health, Business Interruption, Crime, D&O, EPLI, Excess Liab, GL, Inland Marine, Professional Liab, Property Carrier Status Admitted States All States

Nonprofits Insurance Alliance

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

Carrier Status Non-admitted States Most States

Promont Insurance Advisors

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

Sapphire Blue

Coverages CGL, Professional Liab Carrier Status Non-admitted States All States except KY

Hospitals

Amwins - 150+ Locations Worldwide

Coverages Crime, Cyber Liab, EPLI, Fiduciary Liab, Kidnap/ Ransom, Professional Liab, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States All States Pro-Praxis Insurance

Coverages E&O, Professional Liab Carrier Status Admitted

Hotels/Motels

Covenant Underwriters

Coverages Abuse & Molestation, Boiler & Machinery, Commercial Excess, Crime, Cyber Liability, Earthquake, EPLI, Equipment Breakdown, Flood, Hurricane, Liability, Property, Sexual Misconduct, Wind Carrier Status Non-admitted States All States except AK, HI

Distinguished Programs

Coverages Auto Comm-Standard, CGL, Crime, Cyber Liab, Liability, Property, Umbrella Carrier Status Admitted, Non-admitted States All States

Element22 Insurance Services

Coverages Assault & Battery, Boiler & Machinery, Builders Risk, Business Income, Business Interruption, Catastrophe, Equipment Breakdown, Excess Flood, Fire, Flood, Hurricane, Property, Weather, Wind Carrier Status Non-admitted States All States

Flood Risk Solutions Inc.

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

Gorst & Compass Insurance

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

Hinterland Insurance

Coverages Builders Risk, CGL, Property Carrier Status Non-admitted States All States except OK, TX

Hull & Company

Coverages Business Interruption, CGL, Property Carrier Status Non-admitted States All States except DC

KZ Insurance Brokerage LLC

Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States except ND, OH, WA, WY

Markel

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

Monarch E&S Insurance Services

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

PEO Brokers Group

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

Southern Hospitality Underwriters

Coverages All Risks/Cash in Transit, Auto Comm-Standard Liability, Crime, Cyber Liab, EPLI, Equipment Breakdown, GL, Liquor Liab, Property, Sexual Misconduct, Umbrella, Wind, Workers’ Comp Carrier Status Admitted States All States

UCA General Insurance Services Inc.

Coverages Business Income, CGL, Crime, Cyber Liab, EPLI, Equipment Breakdown, Hired & Non-owned Auto, Liquor Liability, Medical Payments, Property, Umbrella Carrier Status Admitted States AZ, CA, ID, NV, OR, UT, WA

Ice Rink Owners & Operators

McGowan Allied Specialty Insurance

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

Philadelphia Insurance Companies

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

Importers

Anderson & Murison Inc.

Coverages Commercial Excess, D&O, EPLI, Professional Liab Carrier Status Admitted States All States

Brownyard Group

Coverages Business Income, Business Interruption, CGL, Employee Benefits, Fire, Fire Legal Liab, GL, Glass, Inland Marine, Liability, Personal Property, Products Liab, Property, Workers’ Comp Carrier Status Non-admitted States All States except KS

Cosmetic Insurance Services, a division of EPIC Brokers

Coverages Commercial Auto, Boiler & Machinery, Crime, GL, Inland Marine, Products Liab, Property, Umbrella Carrier Status Admitted States All States

Meridian Finance Group

2024 Annual Program Directory, Summer Edition

Coverages Performance & Payment Bonds, Political Risk States All States

NeitClem Wholesale Insurance Brokerage Inc.

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

In-Home Businesses

Shelly, Middlebrooks & O’Leary Inc.

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

South & Western General Agency Inc.

Coverages BOP, Business Interruption Carrier Status Admitted States AR, MS, NM, OK, TN, TX

Industrial Parks

MexiPass International Insurance Services LLC

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

MG Skinner & Associates

Coverages Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, E&O, Earthquake, EPLI, Excess Liab, Flood, Professional Liab, Property, Real & Business Personal Prop, Tenant Discrimination, Umbrella, Wind, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Innkeepers

Philadelphia Insurance Companies

Coverages Commercial Auto, Business Income, Care/ Custody/Control, CGL, Crime, D&O, Employee Benefits, EPLI, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Personal Property, Professional Liab, Umbrella, Uninsured Motorists Carrier Admitted States All States except LA

Insurance Agents & Brokers (P/C L/H)

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

Coverages E&O, GL, Workers’ Comp Carrier Status Admitted States All States except AK

CalSurance Associates, a Div. of Brown & Brown Program

Coverages Cyber Liab, E&O, EPLI, Identity Theft, Professional Liab Carrier Status Admitted, Non-admitted

States All States Cooper & McCloskey Inc.

Coverages E&O, Professional Liab Carrier Status Admitted, Non-admitted States AK, AZ, CA, CO, GA, HI, IL, NV, NY, OR, TN, TX, UT, WA

Frank Winston Crum Insurance

Coverages Excess Liab, GL, Workers’ Comp

Carrier Status Admitted States Most States

Mexico Insurance Online

Coverages Auto Pers-Nonstandard, Auto Pers-Standard, Boats, Emergency Towing & Service, Homeowners Pkg, Int’l

Coverage - Personal, Liability, Physical Damage States All States

NEXT Insurance

Coverages BOP, Excess Liab, GL, Professional Liab, Umbrella, Workers' Comp Carrier Status Admitted States All States

Number One Insurance Agency

Coverages Excess Liability, Professional Liability

Carrier Status Admitted, Non-admitted States MA

Professional Insurance Concepts

Coverages E&O, EPLI, Professional Liab

Carrier Status Admitted States All States

Quadrant Insurance Managers

Coverages D&O, Professional Liab

Carrier Status Non-admitted States All States

Sun Coast General Insurance Agency

Coverages BOP, Cyber Liab, E&O, Liability Carrier Status

Non-admitted States AZ, CA, CO, NV, OR, UT, WA

Target Professional Programs

Coverages E&O, Professional Liab Carrier Status Nonadmitted States All States except AK, HI, LA, MS, WV

U.S. Brokers Network, a Division of U.S. Risk LLC

Coverages E&O, Professional Liab Carrier Status Admitted, Non-admitted States All States except AK, CA, HI

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

Coverages Crime, Cyber Liab, D&O, E&O, Professional Liab, Technology E&O States All States

Vanguard Specialty

Coverages E&O, Professional Liab Carrier Status Admitted States AL, AZ, FL, GA, IL, MN, MO, NC, PA, TN, TX

Insurance Companies

Frank Winston Crum Insurance

Coverages Excess Liab, GL, Workers’ Comp

Carrier Status Admitted States Most States

Mexico Insurance Online

Coverages Auto Pers-Nonstandard, Auto Pers-Standard, Boats, Emergency Towing & Service, Homeowners Pkg, Int’l Coverage - Personal, Liability, Physical Damage States All States

Quadrant Insurance Managers

Coverages D&O, EPLI, Fiduciary Liab, Professional Liab Carrier Status Non-admitted States All States

Internet Companies

Professional Insurance Concepts

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

RPS Technology & Cyber

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

Investigators

AMIS/Alliance Marketing & Insurance Services LLC

Coverages Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, E&O, Liability, Property, Workers’ Comp Carrier Status Non-admitted States All States except RI, WY

Brownyard Group

Coverages Assault & Battery, Blanket Addt’l Insureds, Care/

Custody/Control, CGL, Commercial Excess, E&O, GL, Inland Marine, Liability, Lost Key, Medical Payments, Professional Liab, Property Carrier Status Admitted, Non-admitted States All States except NE

Ryan Specialty National Programs

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

The Mechanic Group, Inc., A Division of Specialty Programs Group LLC

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

Investment Companies

Unitas Financial Services

Coverages Foreclosed Properties, Liability, Property, Rented Property, Residential Property Carrier Status Admitted, Non-admitted States All States except AK, HI

Janitorial Firms

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

Coverages Auto Comm-Standard, Excess Liab, GL, Workers’ Comp Carrier Status Admitted States All States except AK

Indemnity Excess & Surplus Agency Inc.

Coverages Contractors Equip, GL, Lost Key Carrier Status Non-admitted States AZ, CA, CO, FL, HI, ID, NV, OR, TX, WA

Markel

Coverages Business Income, Equipment Breakdown, GL, Lost Key, Medical Payments, Property, Theft, Workers’ Comp Carrier Status Admitted States All States except WV

Omaha National

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

PEO Brokers Group

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

TAPCO Underwriters Inc.

Coverages GL, Professional

Jr. Markets/Liquor Stores

Business

2024 Annual Program Directory, Summer Edition

Great American Insurance Group, Alternative Markets

Coverages Auto Comm-Standard, BOP, CGL, Inland Marine, Property, Umbrella, Workers' Comp Carrier Status Admitted, Non-admitted States All States

Laboratories - Testing

Freberg Environmental Inc.

Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, E&O, Environmental Liab, GL, Hired & Non-owned Auto, Pollution, Pollution Liab, Professional Liab, Transportation Pollution Liab Carrier Status Non-admitted States All States

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

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

Virtue Risk Partners LLC

Coverages Auto Comm-Standard, CGL, Commercial Excess, E&O, Environmental Liab, Workers’ Comp Carrier Status Non-admitted States All States

Land Surveyors

Victor Insurance Managers LLC

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

Landfills/Recycling/Disposal Facilities

Jencap Specialty Insurance Services (Environmental)

Coverages Pollution, Pollution Liab Carrier Status Non-admitted States All States

PartnerOne Environmental

Coverages Environmental Liab, Pollution, Pollution Liab States All States

Virtue Risk Partners LLC

Coverages CGL, Commercial Excess, E&O, Environmental Liab, Workers’ Comp Carrier Status Non-admitted States All States

Landscape Contractors

Brownyard Group

Coverages Auto Comm-Standard, Care/Custody/Control, Commercial Excess, Completed Operations Liab, E&O, Environmental Liab, Equipment Breakdown, Fire Legal Liab, GL, Herbicide & Pesticide, Inland Marine, Liability, Lost Key, Pollution Liab, Professional Liab, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except CA, LA, NV, NY, SC

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

Coverages Auto Comm-Standard, Contractors Equip, Excess Liab, GL, Workers’ Comp Carrier Status Admitted States All States except AK

DeCotis Specialty Insurance

Coverages Blanket Addt’l Insureds, Blanket Waivers, Commercial Excess, Equipment, Fire Legal Liab, GL, Inland Marine, Medical Payments Carrier Status Non-admitted States AZ, CO, CT, DC, DE, FL, GA, MA, MD, ME, NH, NJ, OK, PA, RI, SC, VA, VT

Gridiron Insurance Underwriters Inc.

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

MiniCo Insurance Agency, a Jencap Company

Coverages Commercial Auto, CGL, GL, Herbicide & Pesticide, Inland Marine, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Omaha National

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

Oryx Insurance Brokerage Inc.

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

Professional Insurance Concepts

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

REInsurePro

Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Completed Operations Liab, Contractors Equip, Contractors

License Bonds, Excess Liab, Inland Marine, Pollution Liab, Products Liab Carrier Status Admitted, Non-admitted States All States except NJ, NY

Landscape Gardeners

Brownyard Group

Coverages Auto Comm-Standard, Care/Custody/Control, Commercial Excess, Completed Operations Liab, E&O, Environmental Liab, Equipment Breakdown, Fire Legal Liab, GL, Herbicide & Pesticide, Inland Marine, Liability, Lost Key, Pollution Liab, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except CA, LA, NV, NY, SC

Laser Centers

Marine Agency Corporation

Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, BOP, Business Interruption, CGL, GL, Hired & Non-owned Auto, Liability, Professional Liab, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except AK, HI

Professional Program Ins. Brokerage, a Div of SPG Ins. Coverages Abuse & Molestation, Blanket Addt’l Insureds, CGL, Commercial Excess, Cyber Liab, E&O, Equipment Breakdown, Excess Liab, GL, Inland Marine, Liability, Media Liab, Misc Professional Liab, Products Liab, Professional Liab, Property, Sexual Misconduct, Tanning Liab, Teachers Liab Carrier Status Non-admitted States All States

Laundries/Coin Laundry

Bass Underwriters

Coverages Assault & Battery, Bailee/Customer Goods, Business Income, Fire, GL, Hired & Non-owned Auto, Property, Wind States Most States

Markel

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

Law Firms

Amwins - 150+ Locations Worldwide

Coverages Legal Liab, Professional Liab States ME, NH, VT

Cooper & McCloskey Inc.

Coverages Legal Malpractice, Professional Liab

Carrier Status Admitted, Non-admitted States AK, AZ, CA, CO, GA, HI, IL, NV, NY, OR, TN, TX, UT, WA

Hull & Company

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

Carrier Status Admitted, Non-admitted

States All States except DC

Lawyer’s Protector Plan

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

MiniCo Insurance Agency, a Jencap Company

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

Professional Insurance Concepts

Coverages E&O, EPLI, Professional Liab

Carrier Status Admitted States All States

Synergy Professional Associates Inc.

Coverages Excess Liab, Professional Liab

Carrier Status Admitted, Non-admitted

States All States except AR, KS, MO

Target Professional Programs

Coverages E&O, Professional Liab Carrier Status Admitted

States Most States

The McGowan Companies

Coverages E&O, Excess Liab, Professional Liab

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

Vanguard Specialty

Coverages E&O, Excess Liab, Professional Liab

Carrier Status Admitted, Non-admitted States All States

Wilkoff Bonds

Coverages Crime, Fidelity, Fidelity Bonds, Fiduciary Liab

Carrier Status Admitted States All States

Libraries

Brownyard Group

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

Limousine Service Companies

5Star Specialty Programs

Coverages Auto Comm-Nonstandard, Auto CommNonstandard Liability, Auto Comm-Nonstandard Phys Dmg, Commercial Auto, Excess Liab, GL, Physical Damage, Workers’ Comp Carrier Status Admitted States All States

KF&B Program Managers Insurance Services

Coverages Auto Comm-Standard, Liability, Physical Damage Carrier Status Admitted States All States except HI, MA, NY, RI

National Indemnity Company

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

Philadelphia Insurance Companies

Coverages Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, CGL, Hired & Non-owned Auto Carrier Status Admitted States All States except FL, LA, MI, NV, NY

Prime Insurance Company

Coverages Abuse & Molestation, Assault & Battery, Auto Comm-Nonstandard, Auto Comm-Nonstandard Phys Dmg, Commercial Excess, Difference in Conditions, GL, Hired & Non-owned Auto, Motor Truck Cargo, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States All States

Liquor Stores

Business Alliance Insurance Company

Coverages BOP, Cyber Liab, EPLI, Equipment Breakdown, Liquor Liab Carrier Status Admitted States CA

Gorst & Compass Insurance

Coverages Business Income, CGL, Liquor Liab, Property Carrier Status Non-admitted States CA

Number One Insurance Agency

Coverages GL, Liquor Liab, Property, Vacant Building Carrier Status Admitted States MA

Long Term Care Facilities

Amwins - 150+ Locations Worldwide

Coverages Abusive Acts, GL, Professional Liab, Workers’ Comp Carrier Status Admitted States All States

Lumber Mills/Saw/Plywood

Continental Underwriters Inc.

Coverages Auto Comm-Nonstandard, Auto Comm-Standard, Boiler & Machinery, Builders Risk, Cargo, Crime, Earthquake, Equipment, Equipment Breakdown, Flood, Foreign GL, Hail, Inland Marine, Liability, Motor Truck Cargo, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Machine Shops

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

Western Surplus Lines Agency Inc.

Coverages Bailee/Customer Goods, Blanket Addt’l Insureds, Blanket Waivers, CGL, Commercial Excess, Completed Operations Liab, Contractors Equip, Hired & Non-owned Auto, Medical Payments, Misc Professional Liab, Products Liab Carrier Status Non-admitted States LA, ND, NM, OK, TX

Managed Care Centers

Pro-Praxis Insurance

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

Professional Insurance Concepts

Manufacturers

Commercial Sector Insurance Brokers LLC

Coverages CGL, Excess Liab, Products Liab, Property, Umbrella Carrier Status Non-admitted States Most States

Continental Underwriters Inc.

Coverages Business Income, Business Interruption, Cargo, Crime, Equipment Breakdown, Excess Liab, GL, Liability, Property, Theft, Umbrella, Wind, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Cowbell Cyber Coverages Breach of Security, Business Income, Business Interruption, Cyber Liab Carrier Status Admitted States All States except AK, HI, VT

Euclid Life Science Specialty LLC

Coverages Commercial Excess, Completed Operations Liab, E&O, Excess Liab, GL, Liability, Products Liab, Professional Liab Carrier Status Non-admitted States All States

Great American Insurance Group, Alternative Markets

Coverages Auto Comm-Standard, BOP, CGL, Inland Marine, Property, Umbrella, Workers' Comp Carrier Status Admitted, Non-admitted States All States

JC Wilson Consulting Inc.

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

JM Wilson

Coverages Builders Risk, Business Income, Cargo, Crime, Cyber Liab, D&O, E&O, EPLI, Equipment Breakdown, Excess Liab, Flood, Foreign GL, GL, Hired & Non-owned Auto, Inland Marine, Pollution Liab, Products Liab, Professional Liab, Property, Umbrella, Workers’ Comp

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

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

Coverages CGL, Equipment Breakdown, Firearms Liability, Property, Umbrella Carrier Status Admitted States All States

MacAfee & Edwards Inc. - Mexican Insurance Specialist

Coverages Foreign GL, Int’l Coverage - Commercial, Int’l Coverage - Personal Carrier Status Admitted, Non-admitted States All States

Meramec Secure Inc.

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

MexiPass International Insurance Services LLC

Coverages Int’l Coverage - Commercial, Int’l CoveragePersonal States All States

Monarch E&S Insurance Services

Coverages GL, Property Carrier Status Non-admitted

States All States

NeitClem Wholesale Insurance Brokerage Inc.

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

Novatae Risk Group

Coverages Liability, Products Liability Carrier Status Non-admitted States All States except DC

Parcel Insurance Plan

Coverages Cargo, Inland Marine Carrier Status Admitted States All States

Personal Safeguards Group LLC

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

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

Coverages Blanket Addt’l Insureds, CGL, Commercial Excess, Cyber Liab, Inland Marine, Products Liab, Property Carrier Status Non-admitted States All States

Quirk & Company

Coverages CGL, Environmental Liab, Equipment, Excess Flood, Flood, Kidnap/Ransom, Products Liab, Professional Liab, Property Carrier Status Non-admitted States LA, OK, OR, TX, WA

Southwest Risk

Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Property, Umbrella Carrier Status Non-admitted States All States

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

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

The McGowan Companies

Coverages Abuse & Molestation Carrier Status Admitted States All States

2024 Annual Program Directory, Summer Edition

Marina Operators

Hull & Company

Coverages Commercial Marine, Marina Operators Legal, Property Carrier Status Non-admitted States All States except DC

Markel Personal Lines

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

McGowan Allied Specialty Insurance

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

Mexico Insurance Online

Coverages Boats, Int’l Coverage - Personal, Watercraft Liab States All States

The American Equity Underwriters Inc.

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

The Hanover Insurance Group

Coverages Auto Comm-Standard, CGL, Crime, D&O, Environmental Liab, EPLI, Equipment, Fine Arts, GKLL, GL, Hull, Legal Liab, Liability, Liquor Liab, Marina Operators Legal, Physical Damage, Piers & Docks, Pollution Liab, Products Liab, Property, Protection & Indemnity (P&I), Watercraft Liab, Workers’ Comp Carrier Status Admitted States All States

Marina/Boat Repair & Service Centers

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

Coverages Auto Comm-Standard, GL Carrier Status

Admitted States All States except AL, KS, LA, MS, TX, WI

Markel Personal Lines

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

Roush Insurance Services Inc.

Coverages Bailee/Customer Goods, Boiler & Machinery, Business Income, Business Interruption, Care/Custody/ Control, CGL, Commercial Marine, Crime, Cyber Liab, D&O, EPLI, Equipment Breakdown, Excess Liab, Fire, GKLL, GL, Hoist/Haul-out, Hull, Inland Marine, Liability, Lost Key, Marina Operators Legal, Mechanical Breakdown, Physical Damage, Pollution, Property, Protection & Indemnity (P&I), Real & Business Personal Prop, Ship Repairers Legal, Theft, Tools & Equip, Watercraft Liab, Watersports Liab, Wet Marine Carrier Status Non-admitted States IA, IL, IN, OH, WI

Sun Coast General Insurance Agency

Coverages Boats, Care/Custody/Control, CGL, Commercial Marine, Marina Operators Legal, Piers & Docks, Ship Repairers Legal, Tools & Equip, Uninsured Boaters, Watercraft Liab, Wet Marine Carrier Status Admitted, Non-admitted States AK, AZ, CA, CO, FL, NV, OR, UT, WA

The Hanover Insurance Group

Coverages Auto Comm-Standard, CGL, Crime, D&O, Environmental Liab, EPLI, Equipment, Fine Arts, GKLL, GL, Hull, Legal Liab, Liability, Liquor Liab, Marina Operators Legal, Physical Damage, Piers & Docks, Pollution Liab, Products Liab, Property, Protection & Indemnity (P&I), Watersports Liab, Workers’ Comp Carrier Status Admitted States All States

Marinas/Boat Dealers

Mexico Insurance Online

Coverages Boats, Int’l Coverage - Personal, Watercraft Liab States All States

Sun Coast General Insurance Agency

Coverages Boats, Cargo, CGL, Commercial Marine, Hull, Physical Damage Rental Units, Piers & Docks, Ship Repairers Legal, Uninsured Boaters, Watercraft Liab, Wet Marine Carrier Status Admitted, Non-admitted States AK, AZ, CA, CO, FL, NV, OR, UT, WA

The Hanover Insurance Group

Coverages Auto Comm-Standard, CGL, Crime, D&O, Environmental Liab, EPLI, Equipment, Fine Arts, GKLL, GL, Hull, Legal Liab, Liability, Liquor Liab, Marina Operators Legal, Physical Damage, Piers & Docks, Pollution Liab, Products Liab, Property, Protection & Indemnity, Watersports Liab, Workers’ Comp Carrier Admitted States All States

Martial Arts Facilities

Philadelphia Insurance Companies

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

Sports & Fitness Insurance Corporation (SFIC)

Coverages Accident & Health, Accidental Death, Auto Comm-Standard, Builders Risk, Business Income, Business Interruption, CGL, Crime, Earthquake, Employee Benefits, EPLI, Flood, GL, Glass, Liability, Medical, Professional Liab, Property Carrier Status Admitted States All States

Sports & Wellness Insurance

Coverages Abuse & Molestation, Accident & Health, Crime, Cyber Liab, D&O, GL, Hired & Non-owned Auto, Inland Marine, Property, Umbrella Carrier Status Admitted, Non-admitted States All States

Medical & Physical Rehab Facilities

Amalgamated Insurance Underwriters

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

Amwins - 150+ Locations Worldwide

Coverages Business Interruption, Employee Benefits, Fidelity Bonds, GL, Professional Liab, Property, Workers’ Comp Carrier Status Non-admitted States All States

Pro-Praxis Insurance

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

Quaker Special Risk, a Jencap Company (New Jersey)

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

Medical Device/Instrument Mfr.

Amwins - 150+ Locations Worldwide

Coverages Crime, D&O, EPLI, Excess Liab, Fidelity Bonds, GL, Hired & Non-owned Auto, Professional Liab, Property, Workers’ Comp Carrier Status Admitted States All States

Euclid Life Science Specialty LLC

Coverages Commercial Excess, Completed Operations Liab, E&O, Excess Liab, GL, Liability, Products Liab, Professional Liab Carrier Status Non-admitted States All States

Quaker Special Risk, a Jencap Company (Florida)

Coverages CGL, GL, Liability, Umbrella

Carrier Status Non-admitted States Most States

Quaker Special Risk, a Jencap Company (Mass.)

Coverages CGL, GL, Liability, Umbrella

Carrier Status Non-admitted States Most States

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

Medical Imaging Centers

Gridiron Insurance Underwriters Inc.

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

Pro-Praxis Insurance

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

Quaker Special Risk, a Jencap Company (New Jersey)

Coverages CGL, GL, Liability, Professional Liab, Umbrella Carrier Status Non-admitted States Most States

Medical Professionals

Access E&S Insurance Services

Coverages Excess Liability, Professional Liability

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

KZ Insurance Brokerage LLC

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

Carrier Status Admitted States All States except ND, OH, WA, WY

NeitClem Wholesale Insurance Brokerage Inc.

Coverages D&O, E&O, Liability, Medical Malpractice, Professional Liab Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX

TDC Specialty Underwriters

Coverages Liability, Medical Malpractice, Professional Liab

Carrier Status Admitted, Non-admitted States All States except KS, NH, NY

The McGowan Companies

Coverages Misc Professional Liability, Professional Liability

Carrier Status Admitted, Non-admitted States All States

2024 Annual Program Directory, Summer Edition

Medical Spas

Marine Agency Corporation

Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, BOP, Business Interruption, CGL, GL, Hired & Non-owned Auto, Liability, Professional Liab, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except AK, HI

Pro-Praxis Insurance

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

Professional Program Ins. Brokerage, a Div of SPG Ins. Coverages Abuse & Molestation, Blanket Addt’l Insureds, CGL, Commercial Excess, Cyber Liab, E&O, Equipment Breakdown, Excess Liab, GL, Inland Marine, Liability, Media Liab, Misc Professional Liab, Products Liab, Professional Liab, Property, Sexual Misconduct, Tanning Liab, Teachers Liab Carrier Status Non-admitted States All States

Mental Health Care Facilities

Addiction Treatment Providers Insurance Program

Coverages Abuse & Molestation, Auto Comm-Standard, Business Income, Cyber Liab, Hired & Non-owned Auto, Liability, Medical Malpractice, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except NY

Amwins - 150+ Locations Worldwide

Coverages Business Interruption, Employee Benefits, Fidelity Bonds, GL, Professional Liab, Property, Workers’ Comp Carrier Status Non-admitted States All States

Irwin Siegel Agency

Coverages Abuse & Molestation, Addiction Treatment, Commercial Auto, Boiler & Machinery, Business Income, Crime, Cyber Liab, GL, Inland Marine, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States

Negley Associates

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

Philadelphia Insurance Companies

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

RPS Signature Programs

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

Metalworking Companies

Amwins - 150+ Locations Worldwide

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

Mobile Home Parks (Commercial)

Arrowhead General Insurance Agency Inc.

Coverages Business Income, GL, Liability, Physical Damage, Property States Most States

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

Coverages Excess Liab, GL, Workers’ Comp

Carrier Admitted, Non-admitted States All States except AK

Gorst & Compass Insurance

Coverages Business Income, CGL, Property Carrier Status Non-admitted States CA

Philadelphia Insurance Companies

Coverages Auto Comm-Standard, Boiler & Machinery, CGL, D&O, Employee Benefits, EPLI, Equipment, Fire Legal Liab, GL, Hired & Non-owned Auto, Liability, Property, Umbrella, Uninsured Motorists, Uninsured Personal Injury

Carrier Status Admitted States All States except LA

South & Western General Agency Inc.

Coverages GL, Property Carrier Status Non-admitted States AR, MS, NM, OK, TN, TX

Mortgage Bankers/Lenders

Proctor Loan Protector

Coverages Blanket Forced Placed, E&O, Excess Flood, Flood, Force Place Fire Cvrg, Foreclosed Properties, High Valued Homes, Mobile Home Ins, Mortgage Impairment, Mortgage REO Cvrg, Rented Property, Residential Property Carrier Status Non-admitted States All States

Ryan Specialty National Programs

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

Wilkoff Bonds

Coverages Contractors License Bonds, Crime, Fidelity, Fidelity Bonds, Fiduciary Liab Carrier Status Admitted States All States

Mortgage Brokers

Norman-Spencer Agency LLC

Coverages Cyber Liab, E&O States All States except AK, HI

Philadelphia Insurance Companies

Coverages BOP, Identity Theft, Misc Professional Liab Carrier Status Admitted States All States except LA

RealCare Insurance

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

Wilkoff Bonds

Coverages Contractors License Bonds, Crime, Fidelity, Fidelity Bonds, Fiduciary Liab Carrier Status Admitted States All States

Motion Picture (Film/Video) Producers

Alive Risk

Coverages Accident & Health, Accidental Death, Contingent

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

Philadelphia Insurance Companies

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

R.V. Nuccio & Associates

Coverages Accidental Death, CGL, Commercial Excess, E&O, Equipment, Excess Auto, Excess Liab, GL, Hired & Non-owned Auto, Inland Marine, Liability, Medical Payments, Negative Film, Physical Damage, Products Liab, Property, Props, Rented Property, Sets, Theft, Umbrella, Wardrobe, Workers’ Comp Carrier Status Admitted States All States

Motor Sports

Philadelphia Insurance Companies

Coverages D&O, EPLI Carrier Status Admitted States All States except LA

Motorcycle Dealers

K&K Insurance Group Inc.

Coverages Business Income, Crime, Employee Benefits, EPLI, Garage Liability, Inland Marine, Workers’ Comp Carrier Status Admitted States All States

Mexico Insurance Online

Coverages Auto Pers-Nonstandard, Auto Pers-Standard, Emergency Towing & Service, Int’l Coverage - Personal, Liability, Physical Damage States All States

Ryan Specialty National Programs

Coverages Dealers Open Lot, E&O, Garage Liability, GL, Physical Damage, Property Carrier Status Non-admitted States Most States

Moving & Storage Companies

Mover’s Choice Insurance

Coverages

All States

Moving Companies

Mover’s Choice Insurance

Coverages Auto Comm-Standard Liability, Cargo, Crime, Cyber Liab, Property, Umbrella, Workers’ Comp States All States

Prime Insurance Company

Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property

Carrier Status Non-admitted States All States

The Hanover Insurance Group

Coverages Cargo, Equipment, Liability, Motor Truck Cargo, Property Carrier Status Admitted States All States

Municipalities

Apex

Coverages Auto Comm-Standard, Auto Comm-Standard Phys

Dmg, CGL, Commercial Excess, Crime, EPLI, Equipment Breakdown, Inland Marine, Property, Public Officials

Carrier Status Admitted, Non-admitted

States All States except AK, DC, OR, WA

Greene & Associates

Coverages Commercial Excess, Umbrella

Carrier Admitted, Non-admitted States All States except HI

Professional Governmental Underwriters

Coverages D&O, E&O, EPLI, Police Professional Liab

Carrier Status Admitted, Non-admitted States All States

RPS Signature Programs

Coverages Abuse & Molestation, Auto Comm-Standard, Crime, EPLI, Excess Liab, GL, Inland Marine, Physical Damage, Police Professional Liab, Property, Public Officials States All States

The McGowan Companies

Coverages Commercial Excess, Umbrella

Carrier Status Admitted States All States

Wright Specialty Insurance

Coverages Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, Business Income, CGL, Crime, Cyber Liab, EPLI, Equipment, Equipment Breakdown, Excess Liab, Fire, Inland Marine, Property, Public Officials

Carrier Status Admitted States Most States

Museums

Affinity Nonprofits

Coverages Abuse & Molestation, Auto Comm-Standard, CGL, Crime, Cyber Liab, D&O, EPLI, Excess Liab, Fiduciary Liab, Fine Arts, GL, Historic Bldgs/Unique Property, Inland Marine, Nonprofit D&O, Property Carrier Status Admitted States All States

Care Providers Insurance Services

Coverages Business Interruption, Crime Carrier Status Admitted States All States

Charity First Insurance Services Inc.

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

Great American Ins. Group, Specialty Human Services

Coverages Commercial Auto, Boiler & Machinery, Business Income, CGL, Commercial Excess, Completed Operations Liab, Crime, Educator Legal Liab, Equipment Breakdown, Excess Liab, Fidelity, Fine Arts, Fire Legal Liab, GL, Historic Bldgs/Unique Property, Inland Marine, Liquor Liab, Medical & Physical Rehab, Property, Real & Business Personal Prop, Sexual Misconduct, Umbrella Carrier Status Admitted States All States except HI, LA, OK

Huntington T. Block

Coverages Fine Arts, Mysterious Disappearance, Property, Theft Carrier Status Admitted States All States

Markel

Coverages Accident & Health, Auto Comm-Standard, Completed Operations Liab, Crime, Equipment Breakdown, Fine Arts, GL, Historic Bldgs/Unique Property, Inland Marine, Professional Liab, Property, Umbrella Carrier Status Admitted States All States except DC, HI

Philadelphia Insurance Companies

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

Alive Risk

Coverages Accident & Health, Accidental Death, Contingent

Coverages, Event Cancellation, Excess Liab, GL, Hired & Non-owned Auto, Inland Marine, Liquor Liab, Workers’ Comp States All States

K&K Insurance Group Inc.

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

Networking/Telecommunication Co’s

AMIS/Alliance Marketing & Insurance Services LLC

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

RPS Technology & Cyber

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

Night Clubs

NeitClem Wholesale Insurance Brokerage Inc.

Coverages Assault & Battery, Fire, GL, Inland Marine, Liability, Liquor Liab, Spoilage Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX

Number One Insurance Agency

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

Nonprofit Organizations

Affinity Nonprofits

Coverages Abuse & Molestation, Auto Comm-Standard, CGL, Cyber Liab, D&O, EPLI, Event Cancellation, Excess Liab, Fiduciary Liab, Fine Arts, GL, Historic Bldgs/Unique Property, Liability, Liquor Liab, Nonprofit D&O, Professional Liab, Property Carrier Status Admitted States All States except HI

AMIS/Alliance Marketing & Insurance Services LLC

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

Berkley Select | a Berkley Company

Coverages D&O, EPLI, Fiduciary Liab, Nonprofit D&O Carrier Status Admitted, Non-admitted States All States

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

Coverages D&O, EPLI, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except AK Care Providers Insurance Services

Coverages Abuse & Molestation, Auto Comm-Standard, Business Interruption, Crime, D&O, Equipment Breakdown, GL, Hired & Non-owned Auto, Liability, Participant Accident, Professional Liab, Property, Theft, Umbrella Carrier Status Admitted States All States except AK, HI

Charity First Insurance Services Inc.

Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, Boiler & Machinery, Business Income, CGL, Crime, Cyber Liab, EPLI, Equipment Breakdown, Int’l Coverage - Commercial, Liquor Liab, Nonprofit D&O, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States

CID Insurance Programs Inc.

Coverages BOP, Commercial Excess, D&O, EPLI, Excess Liab, GL, Liability, Property, Umbrella, Workers’ Comp

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

Gateway Specialty Insurance

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

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

Great American Ins. Group, Specialty Human Services

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

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

Indemnity Excess & Surplus Agency Inc.

Coverages BOP, E&O, EPLI, Nonprofit D&O

Carrier Status Admitted States All States except DC, LA

Irwin Siegel Agency

2024 Annual Program Directory, Summer Edition

Coverages Abuse & Molestation, Accident & Health, Addiction Treatment, Commercial Auto, Boiler & Machinery, BOP, Business Income, CGL, Community/Social Svcs, Crime, Cyber Liab, D&O, E&O, EPLI, Nonprofit D&O, Property, Umbrella Carrier Status Admitted, Non-admitted States All States

MexiPass International Insurance Services LLC

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

MiniCo Insurance Agency, a Jencap Company

Coverages Abuse & Molestation, Accident & Health, Auto Comm-Standard, Boiler & Machinery, Business Income, Business Interruption, Commercial Excess, Community/ Social Svcs, Crime, D&O, E&O, Earthquake, EPLI, Equipment Breakdown, Hired & Non-owned Auto, Liquor Liab, Medical Malpractice, Medical Payments, Medical Professional, Nonprofit D&O, Property, Sexual Misconduct, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except HI, LA

Nonprofits Insurance Alliance

Coverages Abuse & Molestation, D&O, Fiduciary Liab, GL, Hired & Non-owned Auto, Liability, Physical Damage, Professional Liab, Umbrella Carrier Status Admitted, Non-admitted States Most States

Philadelphia Insurance Companies

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

Professional Insurance Concepts

Coverages D&O, EPLI Carrier Status Admitted

States All States

R.V. Nuccio & Associates

Coverages Accidental Death, CGL, Crime, D&O, EPLI, GL, Liability, Medical Payments, Nonprofit D&O, Property, Trade Shows & Festivals Carrier Status Admitted States All States

Shelly, Middlebrooks & O’Leary Inc.

Coverages Abuse & Molestation, Business Income, Business Interruption, CGL, Commercial Excess, Community/Social Svcs, Crime, Cyber Liab, D&O, E&O, EPLI, Excess Liab, Hired & Non-owned Auto, Nonprofit D&O

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

Sports & Wellness Insurance

Coverages Abuse & Molestation, Accident & Health, Crime, Cyber Liab, D&O, GL, Hired & Non-owned Auto, Inland Marine, Property, Umbrella Carrier Status Admitted, Non-admitted States All States

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

Coverages Crime, Cyber Liab, Event Cancellation, Nonprofit D&O Carrier Status Admitted, Non-admitted States All States except AK, DC, HI

Union General Insurance Services Inc.

Coverages Abuse & Molestation, Abusive Acts, Addiction Treatment, Assault & Battery, Blanket Addt’l Insureds, BOP, CGL, Community/Social Svcs, Completed Operations Liab, Crime, Cyber Liab, D&O, EPLI, Excess Liab, Inland Marine, Nonprofit D&O, Professional Liab, Property, Religious Institutions, Sexual Misconduct, Umbrella Carrier Status Admitted, Non-admitted States AZ, CA, NM, NV, OR, TX, UT, WA

Victor Insurance Managers LLC

Coverages Crime, D&O, EPLI, Fiduciary Liab, Kidnap/ Ransom, Nonprofit D&O Carrier Status Admitted, Non-admitted States All States

Nurseries / Garden Centers

Agricultural Insurance Mgmt Services

Coverages CGL, Contractors Equip, Equipment, Equipment

Breakdown, Products Liab, Property Carrier Status Admitted States Most States

Mark D. Fredricksen Insurance Services

Coverages CGL, Property Carrier Status Admitted States All States except AK, DC, FL, HI

Nursing Homes

Amalgamated Insurance Underwriters

Coverages Assault & Battery, Crime, Earthquake, Equipment Breakdown, Flood, Property Carrier Status Non-admitted

States All States except CO, FL, HI, LA, NY, TX

Amwins - 150+ Locations Worldwide

Coverages Abuse & Molestation, GL, Professional Liab, Umbrella Carrier Status Non-admitted States All States

CRC Insurance Services

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

Flood Risk Solutions Inc.

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

RPS Healthcare

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

Sapphire Blue

Coverages CGL, Professional Liability

Carrier Status Non-admitted States All States except KY

Wilkoff Bonds

Coverages Crime, Fidelity, Fidelity Bonds, Fiduciary Liab

Carrier Status Admitted States All States

Nutraceutical Manufacturers/ Distributors

CRC Insurance Services

Coverages E&O, Excess Liab, GL States All States

Euclid Life Science Specialty LLC

Coverages Commercial Excess, Completed Operations Liab, E&O, Excess Liab, GL, Liability, Products Liab, Professional Liab Carrier Status Non-admitted States All States

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

Coverages Blanket Addt’l Insureds, CGL, Commercial Excess, Cyber Liab, Inland Marine, Misc Professional Liab, Products Liab, Property Carrier Status Non-admitted States All States

Quaker Special Risk, a Jencap Company (New Jersey)

Coverages CGL, Commercial Excess, GL, Liability, Products Liab Carrier Status Non-admitted States Most States

Office Building Owners

Berkley Luxury Group, a W.R. Berkley Company

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

Business Alliance Insurance Company

Coverages BOP, Equipment Breakdown Carrier Status Admitted States CA

Distinguished Programs

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

Element22

Insurance Services

Coverages Builders Risk, Catastrophe, Excess Flood, Fire, Flood, Hurricane, Property, Weather, Wind Carrier Status Non-admitted States All States

Flood Risk Solutions Inc.

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

Carrier Status Non-admitted States All States

HabPro Insurance

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

Hinterland Insurance

Coverages CGL, Earthquake, GL, Property, Vacant Building Carrier Status Non-admitted States All States except OK, TX

IPC

Coverages CGL, Equipment Breakdown, GL, Liability, Property, Vacant Building Carrier Status Non-admitted States AR, AZ, CA, CO, IA, ID, KS, LA, MN, MO, MT, ND, NE, NM, NV, OK, OR, SD, TX, UT, WA, WY

M.J. Hall & Company Insurance Brokers

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

MG Skinner & Associates

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

2024 Annual Program Directory, Summer Edition

Office Building Owners (continued)

Philadelphia Insurance Companies

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

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

Quirk & Company

Coverages CGL, Commercial Excess, Excess Liab, Property, Vacant Building Carrier Status Admitted, Non-admitted States OK, TX

UCA General Insurance Services Inc.

Coverages Business Income, CGL, Cyber Liab, EPLI, Equipment Breakdown, Fire Legal Liab, Hired & Non-owned Auto, Medical Payments, Property, Umbrella Carrier Status Admitted States AZ, CA, ID, NV, OR, UT, WA

Oil & Gas Operators

AAU, A division of USG Insurance Services

Coverages Auto Comm-Standard, Auto Comm-Standard Phys Dmg, Contractors Equip, Environmental Liab, GL, Inland Marine, Motor Truck Cargo, Pollution, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

LIG Marine Managers

Coverages USL&H, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Novatae Risk Group

Coverages Auto Comm-Standard, Business Interruption, Commercial Excess, Control of Well, E&O, Employee Benefits, Environmental Liab, GL, Pollution, Pollution Liab, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except DC

Skyward Specialty Insurance

Coverages Auto Comm-Standard, Blanket Waivers, Contractors Equip, Equipment Breakdown, GL, Inland Marine, Installation Floaters, Pollution Liab, Property, Workers’ Comp States Most States

Target Managers Insurance Services

Coverages Auto Comm-Standard, CGL, Environmental Liab, Excess Liab, Pollution Liab, Property, Truck Auto Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Western Surplus Lines Agency Inc.

Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Commercial Excess, Completed Operations Liab, Contractors Equip, Control of Well, Employee Benefits, Fire Legal Liab, Hired & Non-owned Auto, Inland Marine, Medical Payments, Misc Professional Liab, Pollution Liab, Products Liab, Professional Liab Carrier Status Non-admitted States TX

Optometrist

Cowbell Cyber

Coverages Breach of Security, Business Income, Business Interruption, Cyber Liab Carrier Status Admitted, Non-admitted States All States except HI, VT

ProAlly

Coverages Abuse & Molestation, Medical Malpractice, Medical Professional, Professional Liab Carrier Status Non-admitted States All States

Orchards - Agriculture

Agricultural Insurance Mgmt Services

Coverages CGL, Contractors Equip, Products Liab, Property Carrier Status Admitted States Most States

Mark D. Fredricksen Insurance Services

Coverages Auto Comm-Standard, Equipment, Fire, Herbicide & Pesticide, Property Carrier Status Admitted States All States except DC

Osteopaths

TDC Specialty Underwriters

Coverages Liability, Medical Malpractice, Professional Liab Carrier Status Admitted, Non-admitted States All States except KS, NH, NY

Parent Teacher Orgs (PTAs/PTOs)

Nonprofits Insurance Alliance

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

R.V. Nuccio & Associates

Coverages Abuse & Molestation, Accidental Death, CGL, Crime, D&O, EPLI, GL, Hired & Non-owned Auto, Liability, Medical Payments, Nonprofit D&O, Property, Sexual Misconduct, Theft, Trade Shows & Festivals

Carrier Status Admitted States All States

Pest Control Firms

Brownyard Group

Coverages Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, Care/Custody/Control, CGL, Commercial Excess, Completed Operations Liab, Crime, E&O, Environmental Liab, Equipment Breakdown, Fidelity, Fire Legal Liab, GL, Herbicide & Pesticide, Inland Marine, Liability, Lost Key, Medical Payments, Pollution Liab, Products Liab, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Admitted, Non-admitted States All States except LA

Markel

Coverages Auto Comm-Standard, Business Income, CGL, Equipment, Equipment Breakdown, Herbicide & Pesticide, Inland Marine, Legal Liability, Livestock/Animal Mortality, Medical Payments, Property, Umbrella

Carrier Status Admitted States All States except AL, AK, HI

Philadelphia Insurance Companies

Coverages CGL, GL, Inland Marine, Property, Umbrella Carrier Status Admitted States All States except LA, VT

Ryan Specialty National Programs

Coverages Auto Comm-Nonstandard, Blanket Addt’l Insureds, Blanket Waivers, Care/Custody/Control, Crime, Employee Benefits, Excess Liab, GL, Hired & Non-owned Auto, Inland Marine, Lost Key, Pollution, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Skyward Specialty Insurance

Coverages Auto Comm-Standard, Care/Custody/Control, CGL, Commercial Excess, Completed Operations Liab, Equipment, Equipment Breakdown, Excess Liab, GL, Inland Marine, Liability, Pollution, Property, Tools & Equip, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Petroleum Distributors

Midwestern Insurance Alliance LLC

Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States except ND, OH, WA, WY

Philadelphia Insurance Companies

Coverages Auto Comm-Standard, Crime, GL, Property, Umbrella Carrier Status Admitted States All States except LA

Target Managers Insurance Services

Coverages Auto Comm-Standard, CGL, Environmental Liab, Excess Liab, Pollution Liab, Property, Truck Auto Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Physician Assistants

ProAlly

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

Carrier Status Non-admitted States All States

Physicians

Markel

Coverages E&O, Workers’ Comp Carrier Status Admitted States All States

RPS Healthcare

Coverages D&O, EPLI, Medical Malpractice

Carrier Status Admitted, Non-admitted States All States

TDC Specialty Underwriters

Coverages Liability, Medical Malpractice, Professional Liab

Carrier Status Admitted, Non-admitted

States All States except KS, NH, NY

Piers & Docks

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

Coverages Excess Liab, GL Carrier Status Admitted States All States except AL, KS, LA, MS, TX, WI

The Hanover Insurance Group

Coverages Auto Comm-Standard, CGL, Crime, D&O, Environmental Liab, EPLI, Equipment, Fine Arts, GKLL, GL, Hull, Legal Liab, Liability, Liquor Liab, Marina Operators Legal, Physical Damage, Piers & Docks, Pollution Liab, Products Liab, Property, Protection & Indemnity (P&I), Watersports Liab, Workers’ Comp Carrier Status Admitted States All States

Pizza Delivery

Amwins - 150+ Locations Worldwide

Coverages Auto Comm-Standard, BOP, Excess Liab, Hired & Non-owned Auto Carrier Status Admitted States All States IPC

Coverages Hired & Non-owned Auto Carrier Status Non-admitted States All States except FL, LA, NJ

Plastic Manufacturers & Distributors

Amwins - 150+ Locations Worldwide Coverages Auto Comm-Standard, Crime, Equipment Breakdown, GL, Inland Marine, Property, Stop-Gap, Umbrella, Workers’ Comp Carrier Status Admitted States All States

Podiatric Physicians

ProAlly

Coverages Abuse & Molestation, Medical Malpractice, Medical Professional, Professional Liab Carrier Status Non-admitted States All States

RPS Signature Programs

Coverages Cyber Liab, MEDEFENSE Plus, Professional Liab, Sexual Misconduct States All States

TDC Specialty Underwriters

Coverages Liability, Medical Malpractice, Professional Liab Carrier Status Admitted, Non-admitted States All States except KS, NH, NY

Police/Law Enforcement Officers

Professional Governmental Underwriters

Coverages Blanket Wrongful Acts, Police Professional Liab Carrier Status Admitted, Non-admitted States All States

Printers

Markel

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

Production Companies

Alive Risk

Coverages Accident & Health, Accidental Death, Contingent Coverages, Event Cancellation, Excess Liab, GL, Hired & Non-owned Auto, Inland Marine, Liquor Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Professional Employer Orgs (PEO’s)

Amwins - 150+ Locations Worldwide

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

Philadelphia Insurance Companies

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

Ryan Specialty National Programs

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

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

World Wide Specialty, a Div of Philadelphia Ins. Co’s Coverages Abusive Acts, Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, Care/Custody/Control, Crime, Cyber Liab, D&O, E&O, Employee Benefits, EPLI, Fidelity, Fidelity Bonds, GL, HNOA, Misc Professional Liab, Professional Liab, Property, Technology E&O, Umbrella, Workers’ Comp Carrier Status Admitted States All States

2024 Annual Program Directory, Summer Edition

Professionals/Consultants/Contractors

Access E&S

Insurance Services

Coverages Excess Liab, Pollution, Professional Liab

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

CID Insurance Programs Inc.

Coverages Cyber Liab, E&O, EPLI, Excess Liab, GL, Hired & Non-owned Auto, Property, Workers’ Comp

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

Commercial Sector Insurance Brokers LLC

Coverages CGL, Commercial Excess, Completed Operations Liab, E&O, Excess Liab, GL, Liability, Misc Professional Liab, Pollution Liab, Professional Liab, Umbrella

Carrier Status Non-admitted States Most States Draftrs Inc.

Coverages E&O, GL, Professional Liab

Carrier Status Admitted States All States

Indemnity Excess & Surplus Agency Inc.

Coverages CGL, EPLI, Excess Liab, Misc Professional Liab, Property Carrier Status Admitted, Non-admitted States AZ, CA, CO, HI, ID, NV, OR, TX, WA

NEXT Insurance

Coverages CGL, E&O, Equipment, Professional Liab

Carrier Status Admitted States All States

Norman-Spencer International Inc.

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

Philadelphia Insurance Companies

Coverages BOP, Identity Theft, Misc Professional Liab

Carrier Status Admitted States All States except LA

Professional Underwriters Agency (PUA)

Coverages Pollution, Professional Liability

Carrier Status Admitted, Non-admitted States All States

RPS Technology & Cyber

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

Sun Coast General Insurance Agency

Coverages D&O, E&O, EPLI Carrier Status Admitted, Non-admitted States CA

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

Coverages Cyber Liab, E&O, Professional Liab Carrier Status Admitted, Non-admitted States All States except AK, CA, HI

Virtue Risk Partners LLC

Coverages Auto Comm-Standard, CGL, Commercial Excess, E&O, Environmental Liab, Workers’ Comp Carrier Status Non-admitted States All States

Western Surplus Lines Agency Inc.

Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Commercial Excess, Hired & Non-owned Auto, Inland Marine, Misc Professional Liab, Pollution Liab Carrier Status Non-admitted States LA, ND, NM, OK, TX

Property Management Firms

HabPro Insurance

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

Markel

Coverages E&O, Workers’ Comp Carrier Status Admitted States All States

MG Skinner & Associates

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

Philadelphia Insurance Companies

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

Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Legal Expense Ins, Personal Property, Professional Liab, Protection & Indemnity (P&I), Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA

Preferred Concepts LLC

Coverages CGL, Umbrella Carrier Status Admitted States All States

RealCare Insurance

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

Ryan Specialty National Programs

Coverages Collateral Protection, Force Place Fire Cvrg, GL, Mortgage Impairment, Mortgage REO Cvrg, Property, Vacant

Building Carrier Status Non-admitted States All States

Southwest Risk Coverages Builders Risk, CGL, Property, Umbrella Carrier Status Admitted, Non-admitted States All States

Unitas Financial Services

Coverages Dwelling Fire, E&O, Excess Damage, Foreclosed Properties, Liability, Property, Rented Property, Tenant

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

Property Managers

Ian H. Graham Insurance

Coverages Crime, E&O, EPLI, Fidelity

Carrier Status Admitted States All States

Indemnity Excess & Surplus Agency Inc.

Coverages E&O, EPLI, Tenant Discrimination

Carrier Status Admitted States All States except DC, LA

MG Skinner & Associates

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

Preferred Concepts LLC

Coverages CGL, Umbrella Carrier Status Admitted States All States

Professional Insurance Concepts

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

RealCare Insurance

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

REInsurePro

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

Ryan Specialty National Programs

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

US Assure

Coverages GL, Rented Property, Residential Property Carrier Status Admitted States All States

Public Entities

Apex

Coverages Auto Comm-Standard Liability, CGL, Difference in Conditions, Equipment Breakdown, Excess Liab, Fidelity Bonds, Inland Marine, Police Professional Liab, Property, Public Officials, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except AK, DC, HI, OR, WA

Gray Specialty

Coverages WC - Buyback Policies, WC - Captive Placement, Workers’ Comp, Workers’ Comp Plus (Alternative)

Carrier Status Admitted States Most States

Grundy Insurance

Coverages Auto Comm-Standard, CGL, D&O, E&O, EPLI, Equipment Breakdown, Excess Liab, Property, Public Officials

Carrier Status Admitted States All States except DC, HI

MAXIMUM

Coverages Boiler & Machinery, Builders Risk, Business Income, Business Interruption, Catastrophe, Earthquake, Equipment, Equipment Breakdown, Excess Flood, Flood, GL, Hurricane, Property, Public Officials, Umbrella

Carrier Status Admitted, Non-admitted States All States

Professional Governmental Underwriters

Coverages D&O, E&O, EPLI, Public Officials

Carrier Status Admitted, Non-admitted States All States

RPS Signature Programs

Coverages Abuse & Molestation, Auto Comm-Standard, Crime, EPLI, Excess Liab, GL, Inland Marine, Physical Damage, Police Professional Liab, Property, Public Officials States All States

RPS Technology & Cyber

Coverages Cyber Liab, Legal Expense Ins, Media Liab

Carrier Status Admitted, Non-admitted States All States

Wright Specialty Insurance

Coverages Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, Business Income, CGL, Crime, Cyber Liab, EPLI, Equipment, Equipment Breakdown, Excess Liab, Fire, Inland Marine, Property, Public Officials

Carrier Status Admitted States Most States

Publishers

Cooper & McCloskey Inc.

Coverages Cyber Liab, D&O, E&O, EPLI, Kidnap/Ransom, Media Liab Carrier Status Admitted States CA

Professional Insurance Concepts

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

Real Estate Agents & Brokers

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

Coverages E&O, GL, Workers’ Comp Carrier Status Admitted States All States except AK

Landy Insurance Agency

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

Norman-Spencer Agency LLC

Coverages Cyber Liab, E&O Carrier Status Admitted States All States except AK, CA, LA, WV

Number One Insurance Agency

Coverages BOP, Professional Liab Carrier Status Admitted States MA

Professional Insurance Concepts

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

RealCare Insurance

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

Sun Coast General Insurance Agency

Coverages BOP, CGL, Cyber Liab, E&O, EPLI, GL, Work Comp Carrier Non-admitted States AZ, CA, CO, NV, OR, UT, WA

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

Coverages E&O, Technology E&O Carrier Status Admitted, Non-admitted States Most States

Vanguard Specialty

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

Victor Insurance Managers LLC

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

Real Estate Appraisers

Landy Insurance Agency

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

Norman-Spencer Agency LLC

Coverages Cyber Liab, E&O Carrier Status Admitted States All States except AK, LA, WV

RealCare Insurance

Coverages E&O, Professional Liab Carrier Status Admitted, Non-admitted States All States except AK, LA, NY

Target Professional Programs

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

Vanguard Specialty

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

Real Estate Developers/Homebuilders

Quaker Special Risk, a Jencap Company (Florida)

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

Quaker Special Risk, a Jencap Company (Mass.)

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

Quaker

2024 Annual Program Directory, Summer Edition

REInsurePro

Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Completed Operations Liab, Contractors Equip, Contractors

License Bonds, Excess Liab, Inland Marine, Pollution Liab, Products Liab Carrier Status Admitted, Non-admitted States All States except NJ, NY

Southwest Risk

Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Umbrella Carrier Status Non-admitted States All States

Unitas Financial Services

Coverages Liability, Property, Rented Property, Residential Property Carrier Status Non-admitted

States All States except AK, HI, MI

US Assure

Coverages Builders Risk, Business Income, COC, Contractors Equip, Earthquake, Fire, Flood, Hail, High Valued Homes, Hurricane, Installation Floaters, Residential Property, Theft, Tools & Equip, Weather, Wind Carrier Status Admitted States All States

Recording Studios

Alive Risk

Coverages Accident & Health, Contingent Coverages, Event Cancellation, Excess Liab, GL, Hired & Non-owned Auto, Inland Marine, Liquor Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Records Storage & Info Mgmt

Risk Strategies, Transportation Group

Coverages Addt’l Expense, Auto Comm-Standard, Bailee/ Customer Goods, BOP, Business Income, Cargo, CGL, Crime, Cyber Liab, D&O, E&O, EPLI, Fidelity Bonds, Hired & Nonowned Auto, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States

Recycling

Centers

Amwins - 150+ Locations Worldwide

Coverages Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, Environmental Liab, GL, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Apollo General Ins. Agency Inc.

Coverages Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, CGL, Commercial Excess, Contractors Equip, Contractors License Bonds, Environmental Liab, Equipment, Fidelity Bonds, Inland Marine, Performance & Payment Bonds, Pollution, Tools & Equip, Transportation Pollution Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except AK, HI

Registered Investment Advisors

CalSurance Associates, a Div. of Brown & Brown Program Coverages E&O, Professional Liab Carrier Status Admitted States All States

Residential Care Centers

Gateway Specialty Insurance

Coverages Abuse & Molestation, Accident & Health, Auto Comm-Standard, Blanket Addt’l Insureds, CGL, Crime, Cyber Liab, D&O, Employee Benefits, EPLI, Equipment Breakdown, Foreign GL, Hired & Non-owned Auto, Professional Liab, Property Carrier Status Admitted, Non-admitted States All States

Nonprofits Insurance Alliance

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

RPS Signature Programs

Coverages Abuse & Molestation, Auto Comm-Standard, Business Income, CGL, D&O, Employee Benefits, EPLI, Equipment Breakdown, Excess Liab, Hired & Non-owned Auto, Professional Liab, Property Carrier Status Admitted, Non-admitted States All States

Venture Insurance Programs

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

Residential Subcontractors

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

Coverages Auto Comm-Nonstandard, Auto Comm-Standard, Builders Risk, CGL, COC, Contractors Equip, Excess Liab, GL, Inland Marine, Property, Workers’ Comp

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

IPC

Coverages CGL, Contractors Equip, Equipment Breakdown, GL, Property Carrier Status Non-admitted States AR, AZ, CA, IA, ID, KS, LA, MN, MO, MT, ND, NE, NM, NV, OK, OR, SD, TX, UT, WA, WY

Omaha National

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

Quaker Special Risk, a Jencap Company (Florida)

Coverages CGL, Commercial Excess, GL, Liability, Umbrella Carrier Status Non-admitted States Most States

Quaker Special Risk, a Jencap Company (Mass.)

Coverages CGL, Commercial Excess, GL, Liability, Umbrella

Carrier Status Non-admitted States Most States

Quaker Special Risk, a Jencap Company (New Jersey)

Coverages CGL, Commercial Excess, GL, Liability, Umbrella Carrier Status Non-admitted States Most States

REInsurePro

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

Southwest Risk

Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Umbrella Carrier Status Non-admitted States All States

US Assure

Coverages Builders Risk, COC, Contractors Equip, Installation Floaters, Theft Carrier Status Admitted States All States

Resorts

Amwins - 150+ Locations Worldwide

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

Distinguished Programs

Coverages Auto Comm-Standard, CGL, Cyber Liab, GL, Umbrella Carrier Status Admitted, Non-admitted States All States

K&K Insurance Group Inc.

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

MexiPass International Insurance Services LLC

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

Philadelphia Insurance Companies

Coverages Commercial Auto, Boiler & Machinery, Business Income, Business Interruption, Care/Custody/Control, CGL, Crime, D&O, Earthquake, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, Flood, Garage Keepers Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Liquor Liab, Participant Accident, Property, Real & Business Personal Prop, Sexual Misconduct, Tee-to-Green, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA

Restaurants

Bass Underwriters

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

Berkley Luxury Group, a W.R. Berkley Company

Coverages CGL, Commercial Marine, Cyber Liab, GKLL, Hired & Non-owned Auto, Property, Umbrella Carrier Status

Admitted States AZ, CA, CO, CT, DC, GA, IL, MA, MD, MI, MN, MO, NC, NJ, NM, NV, NY, OH, OR, PA, SC, TN, VA, WI

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

Coverages BOP, Liquor Liab, Workers’ Comp Carrier Admitted, Non-admitted States All States except AK

Business Alliance Insurance Company

Coverages BOP, Cyber Liab, EPLI, Equipment Breakdown, Liquor Liab Carrier Status Admitted States CA

CID Insurance Programs Inc.

Coverages Assault & Battery, GL, Liquor Liab, Personal Property, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States AZ, CA, CO, ID, MD, NE, NM, NV, OR, PA, TN, TX, UT, VA, WA

Distinguished Programs

Coverages CGL, Crime, Cyber Liab, EPLI, GL, Property, Umbrella Carrier Status Admitted States All States

Element22 Insurance Services

Coverages CGL, Fire, Liability, Liquor Liab, Property, Umbrella, Wind Carrier Status Admitted States All States

Flood Risk Solutions Inc.

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

Hull & Company

Coverages Assault & Battery, CGL, Property Carrier Status Non-admitted States All States except DC

KZ Insurance Brokerage LLC

Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States except ND, OH, WA, WY

M.J. Hall & Company Insurance Brokers

Coverages Business Income, CGL, Crime, Employee Benefits, EPLI, Equipment Breakdown, Excess Liab, GKLL, Liquor Liab, Property Carrier Status Admitted, Non-admitted States AK, AZ, CA, CO, HI, ID, KS, MT, NE, NM, NV, OK, OR, SD, TX, UT, WA, WY

Markel

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

MAXIMUM

Coverages Boiler & Machinery, Business Income, Business Interruption, Catastrophe, Earthquake, Equipment, Equipment Breakdown, Excess Flood, Flood, GL, Property, Umbrella Carrier Status Admitted, Non-admitted States All States except NE

McLeckie Insurance Group

Coverages Business Income, CGL, Crime, EPLI, Food Borne Illness, Liquor Liab, Property Carrier Status Non-admitted States All States

NEXT Insurance

Coverages BOP, Cyber Liab, EPLI, Food Borne Illness, GL, Liquor Liab, Workers' Comp Carrier Status Admitted States All States

Number One Insurance Agency

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

Quirk & Company

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

Roush Insurance Services Inc.

Coverages Assault & Battery, Blanket Addt’l Insureds, Boiler & Machinery, Business Income, Business Interruption, CGL, Commercial Excess, Crime, D&O, Equipment Breakdown, Excess Liab, Fire, Food Spoilage, GL, Inland Marine, Liability, Liquor Liab, Medical Payments, Products Liab, Property, Real & Business Personal Prop, Spoilage, Theft, Umbrella Carrier Status Non-admitted States IA, IL, IN, OH, WI

Specialty Insurance

Coverages Assault & Battery, Boiler & Machinery, Business Income, Business Interruption, CGL, Completed Operations Liab, Crime, Employee Benefits, Equipment Breakdown, Fire, Fire Legal Liab, Food Spoilage, Garage Liability, GKLL, GL, Glass, Hired & Non-owned Auto, Liability, Liquor Liab, Medical Payments, Property, Spoilage, Theft Carrier Status Admitted, Non-admitted States AZ, CA, CT, DE, FL, GA, IL, MA, MD, MI, MN, MO, NC, NJ, NY, OH, PA, RI, SC, TN, TX

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

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

Sun Coast General Insurance Agency

Coverages BOP, GL, Liquor Liab, Property Carrier Status Admitted, Non-admitted States CA

TAPCO Underwriters Inc.

Coverages GL, Liquor Liab, Property

Carrier Status Non-admitted States Most States

The McGowan Companies

Coverages Commercial Excess, Umbrella

Carrier Status Admitted States All States

UCA General Insurance Services Inc.

Coverages Business Income, CGL, Cyber Liab, EPLI, Equipment Breakdown, Fire Legal Liab, Hired & Non-owned Auto, Liquor Liab, Medical Payments, Property, Umbrella

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

Retail Stores

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

Coverages BOP, GL, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except AK

Business Alliance Insurance Company

Coverages BOP, Cyber Liab, EPLI, Equipment Breakdown

Carrier Status Admitted States CA

Distinguished Programs

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

Element22 Insurance Services

Coverages Boiler & Machinery, Builders Risk, Business Income, Business Interruption, Catastrophe, Equipment Breakdown, Fire, Flood, Hurricane, Property, Weather, Wind Carrier Status Non-admitted States All States

Flood Risk Solutions Inc.

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

Hinterland Insurance

Coverages CGL, Earthquake, GL, Property Carrier Status Non-admitted States All States except OK, TX

KZ Insurance Brokerage LLC

Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States except ND, OH, WA, WY

Markel

Coverages GL, Workers’ Comp States All States

Meramec Secure Inc.

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

Monarch E&S Insurance Services

Coverages CGL, Fire, Fire Legal Liab, GL, Liability, Liquor Liab, Medical Payments, Products Liab, Property Carrier Status Non-admitted States All States

NEXT Insurance

Coverages BOP, Excess Liab, GL, Umbrella, Workers' Comp Carrier Status Admitted States All States

Personal Safeguards Group LLC

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

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

UCA General Insurance Services Inc.

Coverages Business Income, CGL, Cyber Liab, EPLI, Equipment Breakdown, Fire Legal Liab, Hired & Non-owned Auto, Medical Payments, Property, Umbrella Carrier Status Admitted States AZ, CA, ID, NV, OR, UT, WA

Roller Skating Rinks

K&K Insurance Group Inc.

Coverages Auto Comm-Standard, Boiler & Machinery, Business Income, CGL, Crime, EPLI, Inland Marine, Property, Workers’ Comp Carrier Status Admitted States All States

RV Dealerships

Arrowhead General Insurance Agency Inc.

Coverages Business Income, GL, Liability, Physical Damage, Property Carrier Status Admitted States Most States

K&K Insurance Group Inc.

Coverages Auto Comm-Standard, Boiler & Machinery, Business Income, CGL, Crime, Excess Liab, Garage Keepers Legal Liab, Garage Liability, Inland Marine, Property, Workers’ Comp Carrier Status Admitted States All States except FL

Ryan Specialty National Programs

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

RV Parks

K&K Insurance Group Inc.

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

Philadelphia Insurance Companies

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

Scaffold Erectors

2024 Annual Program Directory, Summer Edition

Ascinsure Specialty Risk

Coverages Auto Comm-Standard, Cyber Liab, GL, Inland Marine, Liability, Property, Umbrella, Workers’ Comp

Carrier Status Non-admitted States All States

School Bus Operations

KF&B Program Managers Insurance Services

Coverages Auto Comm-Standard, Hired & Non-owned Auto, Liability, Physical Damage, Uninsured Motorists

Carrier Status Admitted States All States except LA, MA, NJ

Philadelphia Insurance Companies

Coverages Abuse & Molestation, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, CGL, Crime, Employee Benefits, Hired & Non-owned Auto, Inland Marine, Property, Umbrella, Uninsured Motorists Carrier Status

Admitted States All States except FL, LA, MI, NV, NY

Prime Insurance Company

Coverages Abuse & Molestation, Assault & Battery, Auto Comm-Nonstandard, Auto Comm-Nonstandard Phys Dmg, Commercial Excess, Difference in Conditions, GL, Hired & Non-owned Auto, Motor Truck Cargo, Personal Liab, Professional Liab, Property, Rented Property

Carrier Status Non-admitted States All States

Wilkoff Bonds

Coverages Contractors License Bonds, Crime, Fidelity, Fidelity Bonds, Performance & Payment Bonds

Carrier Status Admitted States All States

Schools-Public/Private

AAU, A division of USG Insurance Services

Coverages Auto Comm-Standard Physical Damage, Builders Risk, Crime, Cyber Liab, D&O, Damage in Process, EPLI, Equipment Breakdown, Flood, Hired & Non-owned Auto, Inland Marine, Medical Payments, Motor Truck Cargo, Property, Sexual Misconduct, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

AllComp Solutions

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

AMIS/Alliance Marketing & Insurance Services LLC

Coverages Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, BOP, Liability, Property, Workers’ Comp States All States

Apex

Coverages Abuse & Molestation, Auto Comm-Standard, Commercial Excess, Crime, Educator Legal Liab, GL, Inland Marine, Police Professional Liab, Property, Workers’ Comp

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

Care Providers Insurance Services

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

States All States

Gray Specialty

Coverages WC - Buyback Policies, Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted

States Most States

Great American Ins. Group, Specialty Human Services

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

Greene & Associates

Coverages Commercial Excess, Umbrella Carrier Status Admitted, Non-admitted States All States except HI

Nonprofits Insurance Alliance

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

Philadelphia Insurance Companies

Coverages Abuse & Molestation, Commercial Auto, Boiler & Machinery, CGL, Crime, D&O, Earthquake, Educator Legal Liab, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, Flood, GL, Hired & Nonowned Auto, Identity Theft, Property, Real & Business Personal Prop, Sexual Misconduct, Student Accident, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA

Professional Governmental Underwriters

Coverages D&O, E&O, Educator Legal Liab, EPLI

Carrier Status Admitted, Non-admitted States All States

RPS Signature Programs

Coverages Abuse & Molestation, Auto Comm-Standard, Cyber Liab, Earthquake, Educator Legal Liab, EPLI, Excess Liab, Flood, GL, Property States All States

Wright Specialty Insurance

Coverages Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, Business Income, CGL, Cyber Liab, EPLI, Equipment, Excess Liab, Fire, Inland Marine, Property, Sexual Misconduct, Workers’ Comp Carrier Status Admitted States Most States

Scrap Dealers

Amwins - 150+ Locations Worldwide

Coverages Auto Comm-Standard, Environmental Liab, GL, Pollution, Pollution Liab, Umbrella Carrier Status Admitted, Non-admitted States All States except HI, LA, MA

Apollo General Ins. Agency Inc.

Coverages Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, CGL, Environmental Liab, Equipment, Excess Liab, Fidelity Bonds, Inland Marine, Performance & Payment Bonds, Pollution, Tools & Equip, Transportation Pollution Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except AK, HI

Securities Brokers/Dealers

CalSurance Associates, a Div. of Brown & Brown Program Coverages E&O, Professional Liab Carrier Status Admitted States All States

Security Guard Firms

AMIS/Alliance Marketing & Insurance Services LLC

Coverages E&O, Liability Carrier Status Non-admitted States All States

Brownyard Group

Coverages Assault & Battery, Auto Comm-Standard, Blanket Addt’l Insureds, Business Interruption, Care/Custody/Control, CGL, Commercial Excess, Crime, E&O, Fidelity, GL, Inland Marine, Liability, Lost Key, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except NE

NeitClem Wholesale Insurance Brokerage Inc.

Coverages Assault & Battery, Equipment, GL, Liability, Professional Liab Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX

Philadelphia Insurance Companies

Coverages Abuse & Molestation, Assault & Battery, Commercial Auto, Boiler & Machinery, Business Income, Care/Custody/Control, CGL, Crime, D&O, E&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Inland Marine, Legal Expense Ins, Personal Liab, Personal Property, Professional Liab, Property, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA

The Mechanic Group, Inc., A Division of Specialty Programs Group LLC

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

Self-Storage Facilities

Great American Insurance Group, Alternative Markets

Coverages Auto Comm-Standard, BOP, CGL, Inland Marine, Property, Umbrella, Workers' Comp Carrier Status Admitted, Non-admitted States All States

MiniCo Insurance Agency, a Jencap Company

Coverages Boiler & Machinery, BOP, Business Income, CGL, COC, Crime, Cyber Liab, Earthquake, Employee Benefits, EPLI, Fire, GL, Hired & Non-owned Auto, Legal Liab, Liability, Medical Payments, Personal Liab, Pollution, Products Liab, Property, Theft, Umbrella, Wind, Workers’ Comp

Carrier Status Admitted, Non-admitted States All States

Ryan Specialty National Programs

Coverages Business Income, Cyber Liab, EPLI, Excess Liab, GL, Pollution Liab, Property Carrier Status Non-admitted States All States

Universal Insurance Programs

Coverages Pollution, Pollution Liab Carrier Status Non-admitted

Service Stations

2024 Annual Program Directory, Summer Edition

Ship Repairers/Marine Artisan

Contractor

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

Coverages Excess Liab, GL Carrier Status Admitted States All States except AL, KS, LA, MS, TX, WI

LIG Marine Managers

Coverages Care/Custody/Control, CGL, Commercial Marine, Completed Operations Liab, Equipment, Excess Liab, Hull, Legal Liab, Products Liab, Protection & Indemnity (P&I), Ship Repairers Legal, Tools & Equip, Umbrella, USL&H, Workers’ Comp Carrier Status Admitted States All States

The American Equity Underwriters Inc.

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

The Hanover Insurance Group

Coverages GL, Marina Operators Legal, Protection & Indemnity (P&I) Carrier Status Admitted States All States

Ship Yards

Hull & Company

Coverages Care/Custody/Control, Ship Repairers Legal Carrier Status Non-admitted States All States except DC

LIG Marine Managers

Coverages CGL, Completed Operations Liab, Equipment, Hail, Products Liab, Protection & Indemnity (P&I), Ship Repairers Legal, Umbrella, USL&H, Workers’ Comp Carrier Status Admitted States All States

The American Equity Underwriters Inc.

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

Shooting Ranges

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

Coverages CGL, Crime, Equipment Breakdown, Excess Liab, Firearms Liability, Liquor Liab, Medical Payments, Property, Umbrella Carrier Status Admitted States All States

Shopping Centers

Flood Risk Solutions Inc.

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

Hinterland Insurance

Coverages CGL, Earthquake, GL, Property Carrier Status Non-admitted States All States except OK, TX

Philadelphia Insurance Companies

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

Preferred Concepts LLC

Coverages CGL, Umbrella Carrier Status Admitted States All States

The McGowan Companies

Coverages Commercial Excess, Excess Liab, Umbrella Carrier Status Admitted States All States

UCA General Insurance Services Inc.

Coverages Business Income, CGL, Cyber Liab, EPLI, Equipment Breakdown, Fire Legal Liab, Hired & Non-owned Auto, Medical Payments, Property, Umbrella Carrier Status Admitted States AZ, CA, ID, NV, OR, UT, WA

Shuttle Service-Non Emergency Medical

JM Wilson

Coverages Auto Comm-Nonstandard, Auto CommNonstandard Phys Dmg, Auto Comm-Standard, Auto CommStandard Liability, Auto Comm-Standard Phys Dmg Carrier Status Admitted, Non-admitted States Most States

Prime Insurance Company

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

Shuttle Services

5Star Specialty Programs

Coverages Auto Comm-Nonstandard, Auto CommNonstandard Liability, Auto Comm-Nonstandard Phys Dmg, Commercial Auto, Excess Liab, GL, Workers’ Comp Carrier Status Admitted States All States

National Indemnity Company

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

Small to Mid-Sized Businesses

AMIS/Alliance Marketing & Insurance Services LLC

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

Applied Underwriters Inc.

Coverages Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, Compliance Mgmt, Cyber Liab, D&O, Int’l Coverage - Commercial, Pollution, Property, Warranties, Extended, Weather, Workers’ Comp Carrier Status Admitted States All States

Arrowhead General Insurance Agency Inc.

Coverages Auto Comm-Standard, BOP, Crime, Cyber Liab, E&O, EPLI, GL, Inland Marine, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States

Cowbell Cyber

Coverages Breach of Security, Business Income, Business Interruption, Cyber Liab States Most States

Euclid Life Science Specialty LLC

Coverages Commercial Excess, Completed Operations Liab, E&O, Excess Liab, GL, Liability, Products Liab, Professional Liab Carrier Status Non-admitted States All States

KZ Insurance Brokerage LLC

Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States except ND, OH, WA, WY

Lancer Insurance Company

Coverages GL, Property Carrier Status Admitted States CT, NJ, NY, OH, PA

Markel

Coverages Blanket Addt’l Insureds, BOP, Business Income, Fire, Food Spoilage, Glass, Herbicide & Pesticide, Hired & Non-owned Auto, Liability, Liquor Liab, Property, Rented Property, Spoilage, WC - Master Policies/ASO, Wind, Workers’ Comp Carrier Status Admitted States All States except FL, LA, NY, RI

ProWriters

Coverages BOP, E&O, GL Carrier Status Admitted States Most States

Roush Insurance Services Inc.

Coverages Addt’l Expense, Boiler & Machinery, Builders Risk, Business Income, Business Interruption, CGL, Commercial Excess, Crime, Cyber Liab, D&O, E&O, EPLI, Equipment Breakdown, Excess Liab, Fine Arts, Fire, Food Spoilage, GL, Hired & Non-owned Auto, Liability, Liquor Liab, Misc Professional Liab, Nonprofit D&O, Pollution Liab, Products Liab, Property, Real & Business Personal Prop, Technology E&O Carrier Status Non-admitted States IA, IL, IN, OH, WI

RPS Technology & Cyber

Coverages Bailee/Customer Goods, BOP, Breach of Security, Care/Custody/Control, Commercial Excess, Crime, Cyber Liab, D&O, E&O, EPLI, Fidelity Bonds, Fiduciary Liab, Foreign GL, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Liability, Media Liab, Misc Professional Liab, Products Liab, Professional Liab, Property, Umbrella Carrier Status Admitted States All States

Snowmobile Tours - Guided

K&K Insurance Group Inc.

Coverages Auto Comm-Standard, CGL, EPLI, Inland Marine, Property, Workers’ Comp Carrier Status Admitted States All States

Social Clubs

Distinguished Programs

Coverages Umbrella Carrier Status Admitted, Non-admitted States All States

Great American Ins. Group, Specialty Human Services

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

Venture Insurance Programs

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

Social Service Agencies

Affinity Nonprofits

Coverages Abuse & Molestation, Abusive Acts, Accident & Health, Auto Comm-Standard, Business Interruption, CGL, Crime, Cyber Liab, D&O, E&O, EPLI, Event Cancellation, Excess Liab, Fine Arts, Inland Marine, Nonprofit D&O, Participant Accident, Professional Liab, Property, Sexual Misconduct Carrier Status Admitted States All States

AllComp Solutions

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

Care Providers Insurance Services

Coverages Abuse & Molestation, Auto Comm-Standard, Business Interruption, Crime, D&O, Equipment Breakdown, GL, Hired & Non-owned Auto, Liability, Participant Accident, Professional Liab, Property, Theft, Umbrella Carrier Status Admitted States All States

Charity First Insurance Services Inc.

Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, Boiler & Machinery, Business Income, CGL, Crime, Cyber Liab, EPLI, Equipment Breakdown, Int’l Coverage - Commercial, Liquor Liab, Nonprofit D&O, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States

Gateway Specialty Insurance

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

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

Great American Ins. Group, Specialty Human Services

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

Indemnity Excess & Surplus Agency Inc.

Coverages Abuse & Molestation, CGL, D&O, EPLI, Professional Liab, Property Carrier Status Admitted

States AZ, CA, CO, ID, NV, OR, TX, WA

Irwin Siegel Agency (includes Youth Programs)

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

MiniCo Insurance Agency, a Jencap Company

Coverages Abuse & Molestation, Addiction Treatment, Auto Comm-Standard, Boiler & Machinery, Business Income, Business Interruption, CGL, Community/Social Svcs, D&O, E&O, EPLI, Fiduciary Liab, Fire Legal Liab, GL, HNOA, Inland Marine, Liability, Medical & Physical Rehab, Medical Malpractice, Medical Payments, Products Liab, Professional Liab, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except HI, LA

Negley Associates

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

Nonprofits Insurance Alliance

Coverages Abuse & Molestation, Auto Comm-Standard, Auto Comm-Standard Phys Dmg, Business Income, Business Interruption, CGL, Crime, Developmental Disabilities, EPLI, Fiduciary Liab, Fire Legal Liab, Hired & Non-owned Auto, Inland Marine, Liquor Liab, Mechanical Breakdown, Misc Professional Liab, Nonprofit D&O, Umbrella, Uninsured Motorists Carrier Status Non-admitted States Most States

Philadelphia Insurance Companies

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

RPS Signature Programs

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

Union General Insurance Services Inc.

Coverages Abuse & Molestation, Abusive Acts, Addiction Treatment, Assault & Battery, Blanket Addt’l Insureds, BOP, CGL, Community/Social Svcs, Completed Operations Liab, Crime, Cyber Liab, D&O, EPLI, Excess Liab, Inland Marine, Nonprofit D&O, Professional Liab, Property, Religious Institutions, Umbrella Carrier Status Admitted, Non-admitted States AZ, CA, NM, NV, OR, TX, UT, WA

Software Developers

Access E&S Insurance Services

Coverages Excess Liability, Professional Liability

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

AMIS/Alliance Marketing & Insurance Services LLC

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

RPS Technology & Cyber

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

Solar Mfg. and/or Contractors

JM Wilson

Coverages Builders Risk, Business Income, Cargo, Crime, Cyber Liab, D&O, E&O, EPLI, Equipment Breakdown, Excess Liab, Flood, GL, Hired & Non-owned Auto, Inland Marine, Pollution Liab, Products Liab, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Non-admitted States All States except AK, HI, NY

Special Events

Alive Risk

Coverages Accident & Health, Contingent Coverages, Event Cancellation, Excess Liab, GL, Hired & Non-owned Auto, Inland Marine, Liquor Liab Carrier Status Admitted, Non-admitted States All States

Amwins - 150+ Locations Worldwide

Coverages Excess Liab, GL, Hired & Non-owned Auto, Liquor Liab, Umbrella Carrier Status Admitted, Non-admitted States All States

Ashley General Agency

Coverages GL, Trade Shows & Festivals

Carrier Status Non-admitted States TX

BUA LLC

Coverages CGL, Event Cancellation, Weather

Carrier Status Non-admitted States All States

DeCotis Specialty Insurance

Coverages GL, Liquor Liab Carrier Status Non-admitted States CT, DE, MA, MD, ME, NH, NJ, RI, VA, VT

Gateway Specialty Insurance

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

Indemnity Excess & Surplus Agency Inc.

Coverages CGL, Liquor Liab Carrier Status Non-admitted States AZ, CA, CO, HI, ID, MT, NV, OR, TX, WA

InsuranceHelper.com

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

Carrier Status Non-admitted States All States

NeitClem Wholesale Insurance Brokerage Inc.

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

Number One Insurance Agency

Coverages GL, Liquor Liab Carrier Status Admitted States MA

Philadelphia Insurance Companies

Coverages Business Interruption, CGL, Fire Legal Liab, GL, Inland Marine, Liquor Liab, Participant Accident, Real & Business Personal Prop Carrier Status Admitted States All States except LA

R.V. Nuccio & Associates

Coverages Accidental Death, Care/Custody/Control, CGL, Event Cancellation, GL, Hired & Non-owned Auto, Liability, Liquor Liab, Medical Payments, Trade Shows & Festivals, Weather Carrier Status Admitted States All States

TAPCO Underwriters Inc.

Coverages GL, Liquor Liab, Property

Carrier Status Non-admitted States Most States

2024 Annual Program Directory, Summer Edition

Substance Abuse Program Administrators

Addiction Treatment Providers Insurance Program

Coverages Abuse & Molestation, Auto Comm-Standard, Business Income, Cyber Liab, GL, Hired & Non-owned Auto, Liability, Medical Malpractice, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except NY

Philadelphia Insurance Companies

Coverages CGL, Property Carrier Status Admitted States All States except LA

Surgery Centers

Pro-Praxis Insurance

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

Quaker Special Risk, a Jencap Company (Florida)

Coverages CGL, Commercial Excess, GL, Liability, Professional Liab Carrier Status Non-admitted States Most States

Quaker Special Risk, a Jencap Company (Mass.)

Coverages CGL, Commercial Excess, GL, Liability, Professional Liab Carrier Status Non-admitted States Most States

RPS Healthcare

Coverages D&O, EPLI, Excess Liab, GL, Medical Professional, Professional Liab, Property States All States

Tanning Salons

Insurtec Tanning and Spa Insurance

Coverages Addt’l Expense, BOP, Business Income, CGL, Crime, EPLI, Equipment Breakdown, Fire Legal Liab, Hired & Non-owned Auto, Professional Liab, Property, Tanning Liab Carrier Status Non-admitted States All States

Professional Program Ins. Brokerage, a Div of SPG Ins. Coverages Abuse & Molestation, Blanket Addt’l Insureds, CGL, Commercial Excess, Cyber Liab, E&O, Equipment Breakdown, Excess Liab, GL, Inland Marine, Liability, Media Liab, Misc Professional Liab, Products Liab, Professional Liab, Property, Sexual Misconduct, Tanning Liab Carrier Status Non-admitted States All States

Sports & Fitness Insurance Corporation (SFIC) Coverages CGL, Property Carrier Status Non-admitted States All States

Universal Insurance Programs

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

Tattoo Parlors/Permanent

Coverages CGL, Equipment Breakdown, GL, Property Carrier Status Non-admitted States AR, AZ, CA, CO, IA, ID, KS, LA, MN, MO, MT, ND, NE, NM, NV, OK, OR, SD, TX, UT, WA, WY

Marine Agency Corporation

Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, Business Interruption, CGL, GL, Hired & Non-owned Auto, Liability, Professional Liab, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except AK, HI

Professional Program Ins. Brokerage, a Div of SPG Ins. Coverages Abuse & Molestation, Blanket Addt’l Insureds, CGL, Cyber Liab, Equipment Breakdown, Excess Liab, Inland Marine, Liability, Media Liab, Products Liab, Professional Liab, Property, Sexual Misconduct, Teachers Liab Carrier Status Non-admitted States All States

REInsurePro

Coverages Abuse & Molestation, Assault & Battery, Business Income, Business Interruption, CGL, Completed Operations Liab, Dwelling Fire, E&O, Equipment Breakdown, Liability, Professional Liab, Property, Real & Business Personal Prop, Workers’ Comp States All States

Tax Preparers & Bookkeepers

Balance Partners - Maven

Coverages CGL, E&O, Excess Liab, Professional Liab

Carrier Status Non-admitted States All States

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

Coverages E&O, GL, Workers’ Comp

Carrier Status Admitted States All States except AK

Draftrs Inc.

Coverages E&O, GL, Professional Liab

Carrier Status Admitted States All States

Landy Insurance Agency

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

Norman-Spencer International Inc.

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

Professional Underwriters Agency (PUA)

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

Quirk & Company

Coverages Cyber Liab, GL, Professional Liab, Property Carrier Status Non-admitted States AL, AR, AZ, LA, MO, ND, NM, OK, TN, TX, WA, WY

R.V. Nuccio & Associates

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

Target Professional Programs

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

Taxi Service

Prime Insurance Company

Coverages Abuse & Molestation, Assault & Battery, Auto Comm-Nonstandard, Auto Comm-Nonstandard Phys Dmg, Commercial Excess, Difference in Conditions, GL, Hired & Non-owned Auto, Motor Truck Cargo, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States All States

Temporary Medical Staffing

Pro-Praxis Insurance

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

RPS Healthcare

Coverages GL, Hired & Non-owned Auto, Medical Professional Carrier Status Admitted, Non-admitted States All States

Ryan Specialty National Programs

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

Staffing Lines

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

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

Temporary Staffing Firms

Cooper & McCloskey Inc.

Coverages CGL, Crime, E&O, EPLI Carrier Status Admitted, Non-admitted States AK, AZ, CA, CO, GA, HI, IL, NV, NY, OR, TN, TX, UT, WA

Philadelphia Insurance Companies

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

RPS Signature Programs Coverages Crime, Cyber Liab, EPLI, GL, Hired & Non-owned Auto, Personal Liab, Property, Umbrella, Workers’ Comp States All States

2024 Annual Program Directory, Summer Edition

Temporary Staffing Firms (continued)

RPS Technology & Cyber

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

Ryan Specialty National Programs

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

Staffing Lines

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

World Wide Specialty, a Div of Philadelphia Ins. Co’s Coverages Abusive Acts, Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, Care/Custody/Control, Crime, Cyber Liab, D&O, E&O, Employee Benefits, EPLI, Fidelity, Fidelity Bonds, GL, HNOA, Misc Professional Liab, Professional Liab, Property, Technology E&O, Umbrella, Workers’ Comp Carrier Status Admitted States All States

Theatre Production Companies

Coverages Accident & Health, Accidental Death, Contingent Coverages, Event Cancellation, Excess Liab, GL, Hired & Non-owned Auto, Inland Marine, Liquor Liab, Workers’ Comp States All States

Great American Ins. Group, Specialty Human Services

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

E&O, Professional Liab

All States

E&O, Professional Liab

Status Non-admitted States All States

Bonds

Crime, Fidelity, Fidelity Bonds, Fiduciary Liab Carrier Status Admitted States All States

Specialty Programs

Coverages Auto Comm-Nonstandard, Auto CommNonstandard Liability, Auto Comm-Nonstandard Phys Dmg, Commercial Auto, Excess Liab, GL, Workers’ Comp

Status Admitted States All States

Omaha National

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

Prime Insurance Company

Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Dealers Open Lot, Difference in Conditions, Garage Keepers Legal Liab, Garage Liability, GKLL, GL, On-Hook Cargo, Personal Liab, Professional Liab, Property, Rented Property, Wrongful Repo Carrier Status Non-admitted States All States

Trade Show Exhibitors

InsuranceHelper.com

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

R.V. Nuccio & Associates

Coverages Accidental Death, Care/Custody/Control, CGL, Hired & Non-owned Auto, Liability, Medical Payments, Trade Shows & Festivals Carrier Status Admitted States All States

Translators & Interpreters

Draftrs Inc.

Coverages E&O, GL, Professional Liab

Carrier Status Admitted States All States

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

Coverages CGL, Cyber Liab, Professional Liab Carrier Status Non-admitted States All States

Trap & Skeet Shooting Clubs

Joseph Chiarello & Co., Inc.; Firearms Business Insurance Coverages Auto Comm-Standard, Boiler & Machinery, Business Income, CGL, Equipment Breakdown, Firearms Liability, Liquor Liab, Property Carrier Status Admitted States All States

Travel Agents & Tour Operators

Draftrs Inc.

Coverages E&O, GL, Professional Liab

Carrier Status Admitted States All States

Mexico Insurance Online

Coverages Perconal Auto, Boats, Emergency Towing & Service, Homeowners Pkg, Int’l Coverage - Personal, Liability, Physical Damage, Watercraft Liab States All States

Professional Underwriters Agency (PUA)

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

Travel Trailers

American Reliable

Coverages Personal Property, Physical Damage Carrier Status Admitted States All States except DC

Truck Dealers - Franchised

Ryan Specialty National Programs

Coverages Dealers Open Lot, E&O, Garage Liability, GL, Physical Damage, Property Carrier Status Non-admitted States Most States

Target Managers Insurance Services

Coverages EPLI, Workers’ Comp Carrier Status Admitted States AK, AL, AR, AZ, CA, CO, FL, GA, IL, IN, LA, MN, MS, NE, NJ, NM, NV, OK, OR, TN, TX, UT, WA, WI

Truckers/Trucking Firms

5Star Specialty Programs

Coverages Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, Cargo, Non-Trucking Auto Liab, Occupational Accident, Physical Damage, Workers’ Comp Carrier Status Admitted States All States except AK, HI, MA

Applied Underwriters Inc.

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

Builders & Tradesmen’s Insurance Services Inc. (BTIS) Coverages GL, Workers’ Comp States All States except AK, DC, HI, NY

DeCotis Specialty Insurance

Coverages Blanket Addt’l Insureds, Cargo, GL, Motor Truck Cargo, Physical Damage Carrier Status Non-admitted States CT, DC, DE, MA, MD, ME, NH, NJ, PA, RI, VA, VT

Freberg Environmental Inc.

Coverages Auto Comm-Nonstandard, Auto CommNonstandard Phys Dmg, CGL, GL, Hired & Non-owned Auto, Pollution, Pollution Liab, Transportation Pollution Liab, Uninsured Motorists Carrier Status Admitted States All States except AK, FL, MA, NJ, NY

Futuristic Underwriters LLC

Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Cargo, CGL, GL, Inland Marine, Motor Truck Cargo, Non-Trucking Auto Liab, Truck Auto Liab Carrier Status Admitted, Non-admitted States All States

Interline Insurance Services

Coverages Auto Comm-Standard Phys Dmg, Cargo, Truck Auto Liab Carrier Status Admitted States AZ, CA, NV, OR, WA

International Transportation & Marine Agency Inc.

Coverages Cargo, GL, Physical Damage

Carrier Status Admitted, Non-admitted States All States

JM Wilson

Coverages Cargo, Excess Liab, GL, Hired & Non-owned Auto, Inland Marine, Long Haul, Physical Damage, Pollution Liab, Umbrella Carrier Status Admitted States Most States

Lancer Insurance Company

Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg Carrier Status Admitted States CT, NJ, NY, PA

Legacy Employer Concepts LLC

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

MacAfee & Edwards Inc. - Mexican Insurance Specialist

Coverages Foreign GL, Int’l Coverage - Commercial, Int’l Coverage - Personal Carrier Status Admitted, Non-admitted States All States

MAXIMUM

Coverages Auto Comm-Nonstandard, Auto CommNonstandard Phys Dmg, Cargo, Contractors Equip, Dealers Open Lot, GL, Hired & Non-owned Auto, Non-Trucking Auto Liab, Physical Damage, Transportation Pollution Liab, Truck Auto Liab, Umbrella Carrier Status Non-admitted States All States

MexiPass

Coverages Int’l Coverage - Commercial, Int’l CoveragePersonal States All States

Midwestern Insurance Alliance LLC

Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States except ND, OH, WA, WY

Mover’s Choice Insurance

Coverages Cargo, CGL, Property, Truck Auto Liab Carrier Status Admitted States All States

PEO Brokers Group

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

RPS Signature Programs

Coverages Auto Comm-Standard Liability, Auto CommStandard Phys Dmg, Motor Truck Cargo States All States

Shelly, Middlebrooks & O’Leary Inc.

Coverages Auto Comm-Nonstandard, Auto CommNonstandard Liability, Auto Comm-Nonstandard Phys Dmg, Commercial Auto, Business Income, Business Interruption, Care/Custody/Control, Cargo, CGL, Commercial Excess, Container Refrigeration Break, Contingent Coverages, Crime, Cyber Liab, D&O, E&O, EPLI, Excess Auto, Excess Liab, GL, Inland Marine, Long Haul, Motor Truck Cargo, Non-Trucking Auto Liab, On-Hook Cargo, Physical Damage, Professional Liab, Transportation Pollution Liab, Truck Auto Liab, Truck Broker Carrier Status Admitted, Non-admitted States FL, GA, NC, SC, TX

South & Western General Agency Inc.

Coverages Auto Comm-Standard Liability, Auto Comm-

Standard Phys Dmg, Cargo, GL, Long Haul

Carrier Status Admitted, Non-admitted States AR, MS, OK, TN, TX

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

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

Truckers Insurance Associates

Coverages Auto Comm-Nonstandard Liability, Auto CommStandard Liability, Cargo, Excess Liab, GL, Physical Damage, Umbrella, Workers' Comp Carrier Status Admitted States Most States

Union General Insurance Services Inc.

Coverages Blanket Addt’l Insureds, Cargo, CGL, GL, Long Haul, Truck Auto Liab, Uninsured Motorists Carrier Status Admitted, Non-admitted States AZ, CA, NM, NV, OR, TX, UT, WA

Used Car Dealers

AAU, A division of USG Insurance Services

Coverages Auto Comm-Standard Phys Dmg, CGL, Dealers

Open Lot, Garage Keepers Legal Liab, Garage Liability, GKLL, Motor Truck Cargo, Umbrella

Carrier Status Admitted, Non-admitted States All States

Amwins - 150+ Locations Worldwide

Coverages Crime, Cyber Liab, Dealers Open Lot, Garage Liability, Pollution, Property States All States except MA, NY

DMI Insurance Services

Coverages Dealers Open Lot, E&O, Garage Keepers Legal Liab, Garage Liability, Physical Damage, Property, Uninsured Motorists Carrier Status Admitted States Most States

KBK Insurance Group Inc.

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

M.J. Hall & Company Insurance Brokers

Coverages Business Interruption, Commercial Excess, Dealers Open Lot, Excess Liab, Fire, Garage Liability, GKLL, Medical Payments, Property, Real & Business Personal Prop Carrier Status Non-admitted States AK, AZ, CA, CO, ID, KS, MT, NE, NM, NV, OK, OR, SD, TX, UT, WA, WY

National Indemnity Company

Coverages Dealers Open Lot, Garage Keepers Legal Liab, Garage Liability, GKLL, Medical Payments, Uninsured Motorists Carrier Status Admitted, Non-admitted States All States except HI, MA, NJ, NY

Union General Insurance Services Inc.

Coverages CGL, E&O, Garage Keepers Legal Liab, Garage Liability, GKLL, GL, Products Liab, Professional Liab, Property, Uninsured Motorists Carrier Status Non-admitted States AZ, CA, NM, OR, TX, UT

2024 Annual Program Directory, Summer Edition

Utilities-Natural Gas Companies

Amwins - 150+ Locations Worldwide

Coverages Auto Comm-Standard, Boiler & Machinery, GL, Inland Marine, Property, Public Officials, Railroad Protective Liab, Umbrella Carrier Status Admitted States All States

Valet Parking Companies

McLeckie Insurance Group

Coverages Garage Keepers Legal Liab, Legal Liab Carrier Status Non-admitted States All States

Shelly, Middlebrooks & O’Leary Inc.

Coverages Business Income, Business Interruption, Crime, EPLI, Excess Auto, Excess Liab, Garage Keepers Legal Liab, Garage Liability, GKLL, GL Carrier Status Non-admitted States FL, GA, TX

Vendor Management Services

Proctor Loan Protector

Coverages Blanket Forced Placed, E&O, Excess Flood, Flood, Force Place Fire Cvrg, Foreclosed Properties, High Valued Homes, Mobile Home Ins, Mortgage Impairment, Mortgage REO Cvrg, Rented Property, Residential Property Carrier Status Non-admitted States All States

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

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

Veterinarians

Markel

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

Vineyards

Agricultural Insurance Mgmt Services

Coverages CGL, Products Liab, Property

Carrier Status Admitted States Most States

XPT Specialty

Coverages CGL, Herbicide & Pesticide, High Valued Homes, Inland Marine, Personal Liab, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States

Vitamin/Health Food Suppliers

CRC Insurance Services

Coverages CGL, EPLI, Products Liability Carrier Status Non-admitted States All States

Euclid Life Science Specialty LLC

Coverages Commercial Excess, Completed Operations Liab, E&O, Excess Liab, GL, Liability, Products Liab, Professional Liab Carrier Status Non-admitted States All States

Great American Insurance Group, Alternative Markets

Coverages Auto Comm-Standard, BOP, CGL, Inland Marine, Property, Umbrella, Workers' Comp Carrier Status Admitted, Non-admitted States All States

NeitClem Wholesale Insurance Brokerage Inc.

Coverages Completed Operations Liab, Foreign GL, GL, Liability, Product Extended Warranty, Products Liab Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX

Quaker Special Risk, a Jencap Company (Mass.)

Coverages CGL, Commercial Excess, GL, Liability, Products Liab Carrier Status Non-admitted States Most States

Quaker Special Risk, a Jencap Company (New Jersey)

Coverages CGL, Commercial Excess, GL, Liability, Products

Liab Carrier Status Non-admitted States Most States

Warehouse Operators

Element22 Insurance Services

Coverages Business Income, Business Interruption, Excess

Flood, Flood, Hail, Hurricane, Property, Weather, Wind

Carrier Status Non-admitted States AL, FL, GA, LA, MS, NC, SC, TX, VA

Gorst & Compass Insurance

Coverages BOP, Business Income

Carrier Status Non-admitted States CA

Waste Haulers

Amwins - 150+ Locations Worldwide

Coverages Auto Comm-Standard, Environmental Liab, GL, Pollution, Umbrella States All States except DC, HI, MD, NJ, VA

Beacon Hill Associates

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

Jencap Specialty Insurance Services (Environmental) Coverages Auto Comm-Standard, GL, Pollution, Pollution Liab, Workers’ Comp Carrier Status Non-admitted States All States

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

Water Parks

Alive Risk

Coverages Accident & Health, Excess Liab, GL, Hired & Non-owned Auto, Inland Marine, Liquor Liab, Property Carrier Status Non-admitted States All States

Water Well Drilling Operation Co’s

Amwins - 150+ Locations Worldwide

Coverages Auto Comm-Standard, GL, Inland Marine, Property, Umbrella Carrier Status Admitted States All States except AR, CO, LA, OR, SC

Western Surplus Lines Agency Inc.

Coverages CGL, Control of Well, Inland Marine Carrier Status Non-admitted States LA, ND, NM, OK, TX

Water/Wastewater Facilities

Apex

Coverages Auto Comm-Standard, Auto Comm-Standard Phys Dmg, Boiler & Machinery, CGL, Commercial Excess, Contractors Equip, Crime, EPLI, Equipment Breakdown, Inland Marine, Property, Public Officials, Workers’ Comp Carrier Status Admitted States All States

Beacon Hill Associates

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

Freberg Environmental Inc.

Coverages CGL, Environmental Liab, Excess Liab, GL, Pollution, Pollution Liab, Transportation Pollution Liab Carrier Status Non-admitted States All States

Grundy Insurance

Coverages Auto Comm-Standard, CGL, Crime, D&O, E&O, EPLI, Equipment Breakdown, Excess Liab, Property, Public Officials Carrier Status Admitted States All States except DC, HI

Jencap Specialty Insurance Services (Environmental)

Coverages Pollution, Pollution Liab Carrier Status Non-admitted States All States

Philadelphia Insurance Companies

Coverages Auto Comm-Standard, CGL, EPLI, Property, Public Officials Carrier Status Admitted States All States except LA

US Assure

Coverages Builders Risk, COC, Earthquake, Fire, Flood, Hail, Hurricane, Installation Floaters, Theft, Weather, Wind Carrier Status Admitted States All States

Weddings

InsuranceHelper.com

Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Completed Operations Liab, Event Cancellation, Fire Legal Liab, GL, Hired & Non-owned Auto, Liability, Liquor Liab, Medical Payments, Personal Liab, Physical Damage Rental Units, Products Liab, Trade Shows & Festivals, Weather Carrier Status Non-admitted States All States

K&K Insurance Group Inc.

Coverages CGL, Inland Marine Carrier Status Admitted States All States

Markel Personal Lines

Coverages Event Cancellation, Liability, Property

Carrier Status Admitted States All States

Philadelphia Insurance Companies

Coverages CGL, Property Carrier Status Admitted States All States except LA

R.V. Nuccio & Associates

Coverages Addt’l Expense, Event Cancellation, GL, Liability, Liquor Liab, Medical Payments, Rented Property, Weather Carrier Status Admitted States All States

2024 Annual Program Directory, Summer Edition

Wildlife Control

Brownyard Group

Coverages Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, Care/Custody/Control, CGL, Commercial Excess, Completed Operations Liab, Crime, E&O, Environmental Liab, Equipment Breakdown, Fidelity, Fire Legal Liab, GL, Herbicide & Pesticide, Inland Marine, Liability, Lost Key, Medical Payments, Pollution Liab, Products Liab, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Admitted, Non-admitted States All States except LA

Wineries

Great American Insurance Group, Alternative Markets

Coverages Auto Comm-Standard, BOP, CGL, Inland Marine, Property, Umbrella, Workers' Comp Carrier Status Admitted, Non-admitted States All States

Signature Specialty, LP

Coverages GL, Inland Marine, Liquor Liab, Products Liab, Property Carrier Status Non-admitted States All States

Wood Workers

Continental Underwriters Inc.

Coverages BOP, Builders Risk, Business Income, Business Interruption, Combo Personal & Commercial, Commercial Excess, Commercial Marine, Contractors Equip, Crime, Equipment Breakdown, Excess Liab, Flood, GL, Inland Marine, Int’l Coverage - Commercial, Int’l CoveragePersonal, Personal Liab, Property, Stop-Gap, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Midwestern Insurance Alliance LLC

Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States AL, AR, AZ, CO, GA, IA, IL, KS, KY, MO, NC, NE, NM, NV, PA, SC, TN, TX, UT, VA

Omaha National

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

Wrecking Contractors

Apollo General Ins. Agency Inc.

Coverages Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, CGL, Contractors Equip, Employee Benefits, Environmental Liab, EPLI, Equipment, Excess Liab, Fidelity, Fidelity Bonds, Inland Marine, Performance & Payment Bonds, Pollution, Property, Railroad Protective Liab, Real & Business Personal Prop, Stop-Gap, Tools & Equip, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

WINS RISK Solutions Inc

Coverages Auto Comm-Standard, Excess Liability Carrier Status Admitted, Non-admitted States GA, NC, NJ, NY, PA, SC

Yacht Clubs

Markel Personal Lines

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

The Hanover Insurance Group

Coverages Auto Comm-Standard, CGL, Crime, D&O, Environmental Liab, EPLI, Equipment, Fine Arts, GKLL, GL, Hull, Legal Liab, Marina Operators Legal, Physical Damage, Piers & Docks, Pollution Liab, Products Liab, Property, Protection & Indemnity (P&I), Watersports Liab, Workers’ Comp Carrier Status Admitted States All States

Yachts/Mega Yachts

Bass Underwriters

Coverages Hull, Protection & Indemnity (P&I)

Carrier Status Admitted, Non-admitted States Most States

Markel Personal Lines

Coverages Hull, Liability, Medical Payments, Pollution Liab, Uninsured Boaters, Watercraft Liab Carrier Status Admitted States All States

Quaker Special Risk, a Jencap Company (Florida)

Coverages Hull, Watercraft Liab

Carrier Status Non-admitted States All States

Quaker Special Risk, a Jencap Company (New Jersey)

Coverages Hull, Protection & Indemnity (P&I), USL&H Carrier Status Non-admitted States Most States

Sun Coast General Insurance Agency

Coverages Boats, Commercial Marine, Hull, Liability, Piers & Docks, Ship Repairers Legal, Uninsured Boaters, Watercraft Liab, Wet Marine Carrier Status Admitted, Non-admitted States AK, AZ, CA, FL, NV, OR, UT, WA

Youth Sports Associations

Affinity Nonprofits

Coverages D&O, EPLI, Fiduciary Liab, Nonprofit D&O

Carrier Status Admitted States All States

Alive Risk

Coverages Accident & Health, Excess Liab, GL, Inland Marine, Prize Indemnification Carrier Status Admitted, Non-admitted States All States

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

Coverages E&O, GL Carrier Status Admitted

States All States except AK

Gateway Specialty Insurance

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

Carrier Status Admitted, Non-admitted

States All States except AK, HI, LA

InsuranceHelper.com

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

Carrier Status Non-admitted States All States

Philadelphia Insurance Companies

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

Carrier Status Admitted States All States except LA

RPS Signature Programs

Coverages Abuse & Molestation, Blanket Addt’l Insureds, Crime, D&O, EPLI, Equipment, Excess Liab, GL, Hired & Nonowned Auto, Property, Student Accident States All States

Sports & Fitness Insurance Corporation (SFIC)

Coverages Accident & Health, Accidental Death, Flood, GL, Medical, Property Carrier Status Admitted States All States

Sports & Wellness Insurance

Coverages Abuse & Molestation, Accident & Health, Crime, Cyber Liab, D&O, GL, Hired & Non-owned Auto, Inland Marine, Property, Umbrella Carrier Status Admitted, Non-admitted States All States

The McGowan Companies

Coverages Event Cancellation, Liability Carrier Status Admitted States All States

2024 Annual Program Directory, Summer Edition

5Star Specialty Programs

See Website for Addresses

Headquarters - Melbourne, FL 32935

Phone: (877) 247-9772, Fax: (321) 757-6147 marketing@5starsp.com www.5starsp.com

AAU, A division of USG Insurance Services

1000 Town Center Way, Ste. 300 Canonsburg, PA 15317

Phone: (724) 754-9078, Fax: (724) 265-5751 lesselstyn@aauins.com www.aauins.com

ABC Aviation Program

906 South Kirkwood Road, St. Louis, MO 63122

Phone: (314) 471-0777

stephanie_likins@theabcprogram.com www.crcprograms.com/abcprogram.html

Access E&S Insurance Services

2001 N. Lincoln St., Arlington, VA 22207

Phone: (703) 248-2566, Fax: (703) 248-2565 Tim@Access-ES.com www.Access-ES.com

Addiction Treatment Providers Insurance

Program

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

Phone: (610) 808-9556 nsmmarketing@nsminc.com atpinsure.com

Affinity Nonprofits

2001 K Street, NW, Ste. 625 North Washington, DC 20006

Phone: (800) 432-7465, Fax: (800) 701-1982 info@affinitynonprofits.com www.affinitynonprofits.com

Affinity Nonprofits specializes in developing, marketing, and underwriting customized insurance for nonprofit organizations. Insurance solutions include D&O Liability, Property and Casualty Insurance, event cancellation insurance and a volunteer accident program.

Agricultural Insurance Mgmt Svcs. 1496 Route 3A, Ste. 10, Bow, NH 03278

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

Alive Risk

81 S. 9th St., Ste. 400, Minneapolis, MN 55402

Phone: (612) 284-4264

Contact@aliverisk.com aliverisk.com

AllComp Solutions

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

Phone: (610) 808-9586, Fax: (610) 941-9889 nsmmarketing@nsminc.com allcompsolutions.com

Amalgamated Insurance Underwriters

1 Paragon Dr., Ste. 265, Montvale, NJ 07645

Phone: (845) 426-0400

hello@aiu-usa.com aiu-usa.com

For more info, see our ad on page 19 (National).

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

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

American Management Corporation

1109 Oak Street, Conway, AR 72032

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

American Reliable

10591 Lincoln Highway, Everett, PA 15537

Phone: (402) 378-0007 jheidenthal@americanreliable.com www.americanreliable.com

AMIS/Alliance Marketing & Insurance Services,

LLC

PO Box 567, San Marcos, CA 92079

Phone: (760) 471-7116, Fax: (760) 471-9378 snowell@amiscorp.com www.amisinsurance.com

Amwins - 150+ Locations Worldwide

See Website for Locations Headquarters - Charlotte, NC 28210

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

Anderson & Murison, Inc.

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

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

Apex 18545 Sigma Road, San Antonio, TX 78258

Phone: (210) 887-1064 hughes@apexinsurance.com www.apexinsurance.com

Apollo General Ins. Agency, Inc. PO Box 1508, Sonoma, CA 95476

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

Applied Underwriters, Inc.

10805 Old Mill Road, Omaha, NE 68154

Phone: (877) 234-4450, Fax: (877) 234-4452 sales@auw.com www.deliveringmore.auw.com

For more infotmation, check out our ads on the Back Cover and pages 2 & 3 (National).

Arrowhead General Insurance Agency, Inc.

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

Phone: (800) 669-1889, Fax: (619) 881-8695 MarketingInfo@ArrowheadGrp.com www.ArrowheadGrp.com

•

Ascinsure Specialty Risk

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

Phone: (877) 372-0517, Fax: (888) 316-9016 Rikki_Concannon@rpsins.com www.ascinsure.com

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

Ashley General Agency

2040 N. Loop 336 W, Ste. 200, Conroe, TX 77304 Phone: (936) 441-5959, Fax: (936) 521-5922 hnelson@ashleyga.com www.ashleyga.com

Balance Partners - Maven

PO Box 2550, Huntington, NY 11750 Phone: (512) 923-6278 cjacobs@balanceuw.com www.balanceuw.com/maven

Bass Underwriters

6951 W. Sunrise Blvd., Plantation, FL 33313 Phone: (954) 473-4488, Fax: (954) 317-3100

marketing@bassuw.com www.bassuw.com

Solutions with Service that Matters. Driven by relationships, at Bass, agents are our priority. “How can we serve you?” is our attitude. We have grown from a vision that our general agents should receive quality relationships along with timely and courteous service.

Beacon Hill Associates PO Box 1532, Charlottesville, VA 22902

Phone: (800) 596-2156, Fax: (434) 979-8964 info@b-h-a.com b-h-a.com

Berkley Luxury Group, a W.R. Berkley Company

301 Route 17 N, Ste. 900, Rutherford, NJ 07070 Phone: (800) 504-7012 mail@berkleyluxurygroup.com www.berkleyluxurygroup.com

Berkley Select | a Berkley Company

550 W. Jackson Blvd., Ste. 500, Chicago, IL 60661 Phone: (312) 800-6200, Fax: (312) 207-1839

info@berkleyselect.com www.berkleyselect.com

Brownyard Group

21 Maple Ave., Bay Shore, NY 11706 Phone: (800) 645-5820, Fax: (631) 666-5723

info@brownyard.com www.brownyard.com

2024 Annual Program Directory, Summer Edition – Alphabetical Directory of Markets

BUA, LLC

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

Phone: (603) 772-5005

msamperi@buainsurance.com www.buainsurance.com

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

6610 Sierra College Blvd., Rocklin, CA 95677

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

Business Alliance Insurance Company

400 Oyster Point Blvd., Ste. 327 South San Francisco, CA 94080

Phone: (650) 866-3999, Fax: (650) 866-3996 sbarsotti@ebaic.com www.ebaic.com

CalSurance Associates, a Div. of Brown & Brown Program Ins. Svcs

681 S. Parker St., Ste. 300, Orange, CA 92868

Phone: (800) 745-7189, Fax: (800) 607-6875 info@calsurance.com www.calsurance.com

Cannasure Insurance Services

1468 W. 9th St., Ste. 805, Cleveland, OH 44113

Phone: (800) 420-5757 info@cannasure.com www.cannasure.com

CannGuard

11500 N. Ambassador Dr., Ste. 310 Kansas City, MO 64153

Phone: (833) 770-4068 info@cann-guard.com cann-guard.com

Care Providers Insurance Services

19111 N. Dallas Pkwy, Ste. 250, Dallas, TX 75287 Phone: (484) 531-8887 nsmmarketing@nsminc.com cpsinsure.com

Coastal Insurance Underwriters, Inc.

PO Box 3140, Ponte Vedra Beach, FL 32004

Phone: (904) 285-7683, Fax: (904) 395-0038 info@ciuins.com www.ciuins.com

Commercial Sector Insurance Brokers, LLC

500 Corporate Pkwy, Ste. 200-G, Hoover, AL 35242

Phone: (205) 776-1600, Fax: (205) 776-1619 bbleistine@comsectorins.com www.comsectorins.com

Community Association Insurance Solutions, LLC

5045 Robert J. Mathews Pwky, Ste. 100 El Dorado Hills, CA 95762

Phone: (888) 833-4158, Fax: (888) 833-4159 questions@caislive.com www.caislive.com

Community Association Insurance Solutions (CAIS), is an MGA and Program Administrator specializing in protecting Homeowners' Associations (HOAs), Townhomes, and both residential and commercial Condominiums (Condos) & Planned Unit Developments (PUDs). Our online program includes coverage for both non-payroll accounts and payroll accounts. Coverage for volunteers, board and committee members included.

Continental Underwriters, Inc.

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

Phone: (804) 643-7800, Fax: (804) 643-5800 info@contund.com www.contund.com

Cooper & McCloskey, Inc.

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

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

keltie@cmiprorisk.com www.cmiprorisk.com

Charity First Insurance Services, Inc.

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

Phone: (800) 352-2761

Frank_Tarantino@charityfirst.com www.charityfirst.com

ChemPlan - Chemical Insurance

8121 Vicela Dr., Sarasota, FL 34240

Phone: (800) 410-1511, Fax: (941) 379-2668 dhagan@chemplan.net www.chemplan.net

CID Insurance Programs, Inc.

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

Phone: (800) 922-7283, Fax: (619) 593-2008 programs@cidinsurance.com www.cidinsurance.com

Cosmetic Insurance Services, a division of EPIC Brokers

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

Phone: (201) 356-0057, Fax: (201) 356-0055

Kenneth.hegel@epicbrokers.com www.cosmeticinsurance.com

For more info, see our ad on page 17 (National).

Covenant Underwriters

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

Phone: (346) 330-3777

broker@covenantunderwriters.com www.covenantunderwriters.com

Cowbell Cyber 6800 Koll Center Pkwy, Ste. 250

Pleasanton, CA 94566

Phone: (833) 633-8666 agencies@cowbellcyber.ai cowbell.insure

CRC Insurance Services

See Website for Locations HQ - Birminham, AL 35209

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

DeCotis Specialty Insurance

245 Waterman St., Ste. 501, Providence, RI 02906

Phone: (401) 351-0066, Fax: (401) 351-0386 tdecotis@decotis.com www.decotis.com

Distinguished Programs

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

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

Distinguished Programs is a leading national insurance Program Manager providing specialized insurance programs to brokers and agents with specific expertise in Real Estate, Community Associations, Hotels, and Restaurants. Through thoughtful innovation, stemming back to 1995, Distinguished Programs fosters growth and opportunities for its brokers, carriers, and employees.

DMI Insurance Services

9020 N. Capital of Texas Hwy, Ste I-270 Austin, TX 78759

Phone: (408) 465-2302 nmaske@dmi-insurance.com www.dmi-insurance.com

Draftrs, Inc.

3839 McKinney Ave., Ste. 155-5062

Dallas, TX 75204

Phone: (214) 210-3476 support@draftrs.com draftrs.com

Element22 Insurance Services

3000 Gulf to Bay Blvd., Ste. 600

Clearwater, FL 33759

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

Equine Insurance Specialists, LLC

PO Box 12440, Lexington, KY 40583

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

Euclid Life Science Specialty, LLC

234 Spring Lake Drive, Itasca, IL 60143

Phone: (443) 682-0102

RElliott@EuclidLSS.com www.EuclidLSS.com

Flood Risk Solutions, Inc

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

Phone: (727) 256-1991 phil@floodsol.com www.floodsol.com

2024 Annual Program Directory, Summer Edition –

Flux Insurance Services, LLC

2280 E. Bidwell St., Ste. 104, 228, Folsom, CA 95630

Phone: (888) 358-9467

cprince@fluxins.com www.fluxins.com

Frank Winston Crum Insurance

100 S. Missouri Ave., Clearwater, FL 33756

Phone: (866) 218-4219, Fax: (727) 450-7911

AgencySupport@FWCrum.com www.frankwinstoncrum.com

Freberg Environmental, Inc.

1800 Wazee St., Ste. 300, Denver, CO 80202

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

info@feiinsurance.com www.feiinsurance.com

Futuristic Underwriters, LLC

1301 Solana Blvd., Bldg 2 Ste. 2100 Westlake, TX 76262

Phone: (817) 865-1955

futuristic@futuristicunderwriters.com www.futuristicunderwriters.com

Gateway Specialty Insurance

1170 Devon Park Drive, Wayne, PA 19087

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

Gorst & Compass Insurance

5850 Canoga Ave., Ste. 650 Woodland Hills, CA 91367

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

Gray Specialty

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

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

Great American Insurance Group, Alternative Markets

301 E. Fourth St., Cincinnati, OH 45202

Phone: (860) 683-4802 jguidry@gaig.com greatamericaninsurancegroup.com

Great American Ins. Group, Specialty Human Services

301 E. 4th St., 23rd Fl, Cincinnati, OH 45202 Phone: (866) 424-4758, Fax: (888) 513-5593 clwood@gaig.com www.SpecialtyHumanServices.com

Greene & Associates

400 Quaker Rd., East Aurora, NY 14052 Phone: (716) 805-1090, Fax: (716) 805-1099 kburch@whgreene.com www.whgreene.com

Greenwood General Insurance Agency

2525 N. Lake Ave., Altadena, CA 91001

Phone: (626) 379-8320 info@gwgeneral.com gwmga.com

Gridiron Insurance Underwriters, Inc.

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

Phone: (954) 331-3000 ddemott@gridironins.com www.gridironins.com

Grundy Insurance

PO Box 1957, Horsham, PA 19044

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

HabPro Insurance

555 E. North Lane, Ste. 6060

Conshohocken, PA 19428

Phone: (610) 808-9499 nsmmarketing@nsminc.com habproinsurance.com

Hinterland Insurance

4601 DTC Blvd., Ste. 250, Denver, CO 80237

Phone: (314) 496-7077 info@hinterlandins.com www.hinterlandins.com

Huntington T. Block

1120 20th Street NW, 6th Fl Washington, DC 20036

Phone: (800) 424-8830 HTBinfo@aon.com www.huntingtontblock.com

Hull & Company

See website for all locations

HQ - Fort Lauderdale, FL 33020

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

Ian H. Graham Insurance

15303 Ventura Blvd., 12th Fl Sherman Oaks, CA 91403

Phone: (800) 621-2324, Fax: (866) 229-3754 info@ihginsurance.com www.ihginsurance.com

Indemnity Excess & Surplus Agency, Inc.

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

Phone: (800) 487-2442, Fax: (503) 526-9700 jimh@ies-xs.com www.ies-xs.com

InsuranceHelper.com

PO Box 1549, Grass Valley, CA 95945

Phone: (530) 648-1100 brokers@insurancehelper.com www.insurancehelper.com

Insurtec Tanning and Spa Insurance

PO Box 25, Rich Hill, MO 64479

Phone: (800) 606-0621, Fax: (417) 395-2713 info@insurtecinc.com www.insurtecinc.com

Integrated Underwriters ® 2260 E. Bidwell St., Ste. 2043, Folsom, CA 95630

Phone: (833) 489-2667

cprince@integrateduw.com www.integrateduw.com

Interline Insurance Services

4 Centerpointe Dr., Ste. 300, La Palma, CA 90623

Phone: (800) 229-8790

nwallace@ameritrustgroup.com www.interlineinsurance.com

International Transportation & Marine Agency, Inc.

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

Phone: (480) 556-0200, Fax: (480) 556-0201 info@itmagency.com www.itmagency.com

IPC

PO Box 1150, Gardnerville, NV 89410

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

Directory of Markets

Irwin Siegel Agency

25 Lake Louise Marie Rd., Rock Hill, NY 12775

Phone: (800) 622-8272, Fax: (845) 796-3661 siegel@siegelagency.com www.siegelagency.com

Irwin Siegel Agency (ISA) is the premier program administrator. Our trusted advisors partner with brokers to provide property and casualty insurance, risk management, and claims services to Human and Social Service Providers. Our exceptional programs written with A+ rated carriers offer some of the broadest coverages available.

JC Wilson Consulting, Inc.

9390 W. Maiden Ct, Vero Beach, FL 32963 Phone: (312) 543-9451, Fax: (312) 543-9451 jwilson.frs@gmail.com

Jencap Specialty Insurance Services (Environmental)

2400 E. Katella Ave., Ste. 800, Anaheim, CA 92806 Phone: (949) 534-9106 nancy.huynh@jencapgroup.com jencapgroup.com/environmental

JM Wilson

8036 Moorsbridge Rd., Portage, MI 49024 Phone: (800) 282-8113

cbaldwin@jmwilson.com www.jmwilson.com

For more info, see our ad on page 4 (West), page 7 (S. East) & page 2 (Midwest).

J.M. Wilson is a third generation, family owned MGA and Surplus Lines Broker founded in 1920. We provide independent insurance agents access to ‘A’ rated carriers for Commercial Transportation, Property & Casualty, Brokerage, Marine, Personal Lines and Surety. We know insurance agents have choices and it’s our goal to establish relationships and provide the best possible experience for our agents to place business in the E&S marketplace.

Joseph Chiarello & Co., Inc.; Firearms Business Insurance Program

25 DeForest Ave., Ste. 208, Summit, NJ 07901 Phone: (800) 526-2199, Fax: (908) 473-0110 info@jcinsco.com www.guninsurance.com

K&K Insurance Group, Inc. 1712 Magnavox Way, Ft. Wayne, IN 46804

Phone: (800) 637-4757, Fax: (260) 459-5800

kk.general@kandkinsurance.com www.kandkinsurance.com

KBK Insurance Group, Inc. 1425 Sams Ave., Harahan, LA 70123

Phone: (205) 310-2121

nsmmarketing@nsminc.com www.kbkinsgroup.com

2024 Annual Program Directory, Summer Edition – Alphabetical Directory of Markets

Kevin Davis Insurance Services

800 W. Sixth St., Ste. 1700, Los Angeles, CA 90017

Phone: (213) 833-6191, Fax: (213) 477-2057 sherry.branson@amwins.com www.kdisonline.com

KF&B Program Managers Insurance Services

425 W. Broadway, Ste. 308, Glendale, CA 91204

Phone: (818) 242-5100, Fax: (818) 242-6800 czallo@kfbins.com www.kfbins.com

KZ Insurance Brokerage, LLC

206 Roelofs Ct., Ste. B, Mount Shasta, CA 96067

Phone: (530) 926-6000, Fax: (530) 926-6040 info@kzib.com www.kzib.com

Lancer Insurance Company

370 W. Park Ave., Long Beach, NY 11561

Phone: (516) 431-4441 producer@lancerinsurance.com www.lancerinsurance.com

Landy Insurance Agency

100 River Ridge Dr., Ste. 301, Norwood, MA 02062

Phone: (800) 336-5422, Fax: (800) 344-5422 karend@landy.com www.landy.com

Lawyer’s Protector Plan

655 N. Franklin St., Ste. 1900, Tampa, FL 33602

Phone: (800) 336-5529, Fax: (813) 223-9547 lpp@bbprograms.com www.lppinsurance.com

Legacy Employer Concepts, LLC

7901 4th St. N, Ste. 300, St. Petersburg, FL 33702

Phone: (813) 460-9166, Fax: (813) 433-2503 brett@legacyemployerconcepts.com www.legacyemployerconcepts.com

LIG Marine Managers

111 2nd Ave. NE, Ste. 1101, St. Petersburg, FL 33701

Phone: (727) 578-2800, Fax: (727) 578-9977 KLT@LIGMarine.com www.LIGMarine.com

Logic Underwriters, a PCF Company

PO Box 600249, Dallas, TX 75360

Phone: (214) 739-0071, Fax: (214) 739-0072 paul@logicinsurance.com www.logicinsurance.com

M.J. Hall & Company Insurance Brokers

1550 W. Fremont Street, Stockton, CA 95203

Phone: (209) 948-8108 michael.donahue@mjhall.com www.mjhall.com

For more info, see our ad on page 3 (West).

MacAfee & Edwards, Inc. - Mexican Insurance Specialist

800 S. Figueroa St., Ste. 790, Los Angeles, CA 90017

Phone: (213) 629-9777, Fax: (213) 629-9779 juan@mexicard.com www.macafeeandedwards.com

Marine Agency Corporation

34 W Main St, Ste 201, Somerville, NJ 08876

Phone: (800) 763-4775

cstevens@marineagency.com marineagency.com/brokers

Mark D. Fredricksen Insurance Services

3390 University Ave., Ste. 300, Riverside, CA 92501

Phone: (800) 669-4347, Fax: (951) 742-4860 cindy.melcher@hubinternational.com www.fredricksenins.com

Markel

4600 Cox Rd., Glen Allen, VA 23060

Phone: (800) 431-1270, Fax: (804) 965-1689 eservice@markelcorp.com markel.com/us/commercial/small-business

Markel Personal Lines

PO Box 906, Pewaukee, WI 53072

Phone: (262) 548-9880, Fax: (262) 547-9436 maicmarketing@markelcorp.com www.markelmarine.com

MAXIMUM

222 S. Riverside Plaza, Ste. 2340, Chicago, IL 60606

Phone: (312) 559-9348, Fax: (312) 559-0930 joem@maxib.com www.maxib.com

McGowan Allied Specialty Insurance

140 Fountain Pkwy N, Ste. 570 St. Petersburg, FL 33716

Phone: (800) 237-3355, Fax: (727) 360-3498 tellmemore@mcgowanallied.com www.mcgowanallied.com

McLeckie Insurance Group

PO Box 770, Naples, TX 75568

Phone: (903) 897-9090, Fax: (760) 462-1696 Bill@mcleckie.com www.mcleckie.com

Meramec Secure, Inc.

108 S. Wynstone Park Drive, Ste 111, North Barrington, IL 60010

Phone: (847) 275-8497 mike@meramecsecure.cvom meramecsecure.com

Meridian Finance Group

11900 W. Olympic Blvd., 8th Fl Los Angeles, CA 90064

Phone: (310) 260-2130, Fax: (310) 260-2140 info@meridianfinance.com www.meridianfinance.com

Mexico Insurance Online

214 E. Birch Ave., Flagstaff, AZ 86001

Phone: (928) 433-6728, Fax: (928) 779-7221 denny.lauritsen@mexicoinsuranceonline.com www.mexicoinsuranceonline.com

MexiPass International Insurance Services, LLC

PO Box 60727, Pasadena, CA 91116

Phone: (800) 639-4727, Fax: (800) 639-4329 jorge@mexipass.com www.mexipass.com

MG Skinner & Associates

11030 Santa Monica Blvd., Ste. 207

Los Angeles, CA 90025

Phone: (310) 478-5041, Fax: (310) 479-8707

Rskinner@mgskinner.com www.mgskinner.com

Midwestern Insurance Alliance, LLC

P. O. Box 436909, Louisville, KY 40253

Phone: (619) 450-1739, Fax: (502) 426-7067

tbailey@mwiainsurance.com www.midwesterninsurance.com

MiniCo Insurance Agency, a Jencap Company

10851 N. Black Canyon, Ste. 200, Phoenix, AZ 85029

Phone: (800) 528-1056, Fax: (602) 861-1094 info@minico.com www.minico.com

Monarch E&S Insurance Services

2550 N Hollywood Way, Ste. 501, Burbank, CA 91505

Phone: (818) 249-0100, Fax: (818) 249-1166

clarac@monarchexcess.com www.monarchexcess.com

For more info, see our ad on page 1 (West).

Mover’s Choice Insurance

222 Gateway Road W, Napa, CA 94558

Phone: (800) 852-1968, Fax: (707) 252-5905

BrandonL@paulhanson.com www.moverschoiceinfo.com

National Elevator Insurance Solutions / HUB Int'l

One Bridge Plaza N, Fort Lee, NJ 07024

Phone: (201) 585-6500, Fax: (201) 585-6590

john.tateossian@hubinternational.com www.elevatorinsurance.com

National Indemnity Company

1314 Douglas, Ste. 1400, Omaha, NE 68102

Phone: (402) 916-3000, Fax: (402) 916-3030 info@nationalindemnity.com www.nationalindemnity.com

NBIS

2859 Paces Ferry Rd. SE, 800 Overlook III Atlanta, GA 30339

Phone: (770) 257-1777, Fax: (770) 257-1500 contactus@nbis.com www.NBIS.com

Negley Associates

389 Interpace Pkwy, 4th Fl, Parsippany, NJ 07054 Phone: (862) 286-3550, Fax: (866) 865-5655 info@jjnegley.com www.jjnegley.com

NeitClem Wholesale Insurance Brokerage, Inc. 7442 N. Figueroa St., Los Angeles, CA 90041 Phone: (323) 258-2600, Fax: (323) 258-2676 jcenteno@neitclem.com www.neitclem.com

NEXT Insurance

975 California Ave, Palo Alto, CA 30062

Phone: (855) 222-5919 agents@nextinsurance.com www.nextinsurance.com

Nonprofits Insurance Alliance

PO Box 8507, Santa Cruz, CA 95061

Phone: (831) 459-0461, Fax: (831) 459-0853 brokerservices@insurancefornonprofits.org www.insurancefornonprofits.org

Nonprofits Insurance Alliance is a group of 501(c)(3) nonprofit, tax-exempt insurers whose purpose is to serve 501(c)(3) tax-exempt nonprofit organizations by providing a

2024 Annual Program Directory, Summer Edition –

Norman-Spencer Agency, LLC

8075 Washington Village Dr., Dayton, OH 45458

Phone: (800) 543-3248, Fax: (937) 432-1635 info@norman-spencer.com www.norman-spencer.com

Norman-Spencer International, Inc.

150 E. 22nd St., Lombard, IL 60148

Phone: (630) 705-4140, Fax: (630) 705-1056 gretchen@normanspencer.com www.normanspencer.com

Novatae Risk Group

12700 Park Central Dr., Ste. 510, Dallas, TX 75251

Phone: (888) 810-2770

info@novatae.com www.novatae.com

NSM Insurance Group

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

Phone: (800) 970-9778, Fax: (610) 941-9889 nsmmarketing@nsminc.com nsminc.com

Forget the hassle of running around to find markets that meet unique client risks — because at NSM Insurance Group, we have a market for that! As a one-stop-shop with 25+ top niche markets, we help agents meet a wide range of client needs quickly and easily.

Number One Insurance Agency

91 Cedar St., Milford, MA 01757

Phone: (508) 634-2900, Fax: (508) 634-2930 numberone@massagent.com www.massagent.com

Omaha National

PO Box 451139, Omaha, NE 68145

Phone: (844) 761-8400, Fax: (844) 761-8402 sales@omahanational.com www.omahanational.com

For more info, see our ad on the Cover!

Omaha National is a premier provider of workers compensation insurance offering coverage for labor intensive risks with competitive rates and commissions. Coverage offered through Omaha National Insurance Company, Palomar Specialty Insurance Company, and/or Preferred Professional Insurance Company.

Oryx Insurance Brokerage, Inc.

2 Court Street, Binghamton, NY 13901

Phone: (607) 724-0173, Fax: (607) 724-7266

marketing@oryxinsurance.com www.oryxinsurance.com

Parcel Insurance Plan

PO Box 66708, St. Louis, MO 63166

Phone: (800) 325-7390 office@pipinsure.com www.pipinsure.com

PartnerOne Environmental

PO Box 1532, Charlottesville, VA 22902

Phone: (800) 596-0172, Fax: (434) 979-8964

p1info@p1enviro.com p1enviro.com

PEO Brokers Group

PO Box 720514, Oklahoma City, OK 73172

Phone: (877) 810-9355

swbrown@peobrokersgroup.com www.peobrokersgroup.com

Personal Safeguards Group, LLC

830 W. Route 22, Ste. 151, Lake Zurich, IL 60047

Phone: (847) 275-8497

mike@personalsafeguards.com personalsafeguardsgroup.com

Philadelphia Insurance Companies

One Bala Plaza Ste. 100, Bala Cynwyd, PA 19004

Phone: (800) 873-4552, Fax: (610) 617-7940 phlysales@phly.com www.phly.com

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

Preferred Concepts, LLC

14 Wall St., 17th Fl, New York, NY 10005

Phone: (212) 608-9400, Fax: (212) 608-6268 requestinfo@preferredconcepts.com www.preferredconcepts.com

Prime Insurance Company

1 S. Dearborn St., Ste. 800, Chicago, IL 60603

Phone: (800) 257-5590, Fax: (877) 452-6910 RJL@primeis.com www.primeis.com

Pro-Praxis Insurance

321 Old Slip, 5th Fl, New York, NY 10005

Phone: (212) 401-1561, Fax: (212) 401-1548

Robert_Allen@ProPraxisIns.com www.propraxisins.com

ProAlly

1820 E. Sky Harbor Circle S, Ste. 150 Phoenix, AZ 85034

Phone: (623) 473-6277 contact@pro-ally.com www.pro-ally.com

Proctor Loan Protector

700 Tower Dr., Ste. 400, Troy, MI 48098

Phone: (800) 521-6800, Fax: (248) 269-5605 info@pfic.com www.proctorlp.com

A leading provider of lender-placed insurance for over 45 years, Proctor Loan Protector provides smart insurance solutions coupled with compliant, technology-driven hazard tracking tools for mortgage servicers, subservicers, banks, credit unions, distressed asset investors, and other financial institutions. Proctor’s programs mitigate risk and enhance the borrower experience.

Professional Governmental Underwriters

4870 Sadler Rd., Ste. 102, Glen Allen, VA 23060 Phone: (800) 586-6502, Fax: (804) 272-7852 glester@pgui.com www.pgui.com

Professional Insurance Concepts

389 Interpace Pkwy, 4th Fl, Parsippany, NJ 07054

Phone: (862) 286-3470, Fax: (973) 263-0747

DGriffin@ProInsConcepts.com www.ProInsConcepts.com

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

1304 Southpoint Blvd., Ste. 101, Petaluma, CA 94954 Phone: (415) 475-4300, Fax: (415) 475-4303 info@ppibcorp.com www.ppibcorp.com

Professional Underwriters Agency (PUA) 2803 Butterfield Rd., Ste. 260, Oak Brook, IL 60523 Phone: (630) 861-2330 nsmmarketing@nsminc.com puainc.com

Promont Insurance Advisors

123 N. Wacker Dr., Ste. 890, Chicago, IL 60606 Phone: (312) 262-3300, Fax: (312) 262-3301 greg.morris@promontadvisors.com www.promontadvisors.com

ProWriters

70 E. Lancaster Ave., Ste. 102, Malvern, PA 19355 Phone: (484) 321-2335, Fax: (484) 321-2339 info@prowritersins.com www.prowritersins.com

Quadrant Insurance Managers

501 W. Schrock Rd., Ste. 301, Westerville, OH 43081 Phone: (614) 841-1425, Fax: (614) 841-1426 info@quadrant-us.com www.quadrant-us.com

Quaker Special Risk, a Jencap Company (Florida) 224 Datura St., Ste. 715, W. Palm Beach, FL 33401 Phone: (866) 526-1545, Fax: (561) 833-6616 creid@qsr-insurance.com www.qsr-insurance.com

2024 Annual Program Directory, Summer Edition – Alphabetical Directory of Markets

Quaker Special Risk, a Jencap Company (Mass.)

51 Harvard St., Worcester, MA 01609

Phone: (800) 252-8679, Fax: (508) 753-0646 kbranscombe@quakerma.com www.quakerma.com

Quaker Special Risk, a Jencap Company (New Jersey)

331 Newman Springs Rd. Bldg 2, Ste. 300 Red Bank, NJ 07701

Phone: (800) 447-4180, Fax: (732) 223-9072 chris.reid@jencapgroup.com www.qsr-insurance.com

Quirk & Company

PO Box 792030, San Antonio, TX 78279

Phone: (800) 299-9421, Fax: (210) 340-4075 kquirk@quirkco.com www.quirkco.com

R.V. Nuccio & Associates

10148 Riverside Dr., Toluca Lake, CA 91602

Phone: (800) 364-2433 support@rvnuccio.com www.rvnuccio.com

RealCare Insurance

430 W. Napa St., Ste. F, Sonoma, CA 95476

Phone: (800) 996-0599, Fax: (707) 935-7142 realcare@nfp.com www.realcareprograms.com

REInsurePro

11500 N. Ambassador Dr., Ste. 310 Kansas City, MO 64153

Phone: (816) 398-4080 info@reinsurepro.com www.reinsurepro.com

For more info, see our ad on page 2 (West) and page 1 (East & Midwest).

RelMark Program Managers

961 Pottstown Pike, Chester Springs, PA 19425

Phone: (800) 874-5880, Fax: (610) 321-1011 RRittersbach@relmarkgroup.com www.relmark.net

Risk Strategies, Transportation Group PO Box 360017, Strongsville, OH 44136

Phone: (877) 862-4755, Fax: (914) 636-0802 info@risk-strategies.com www.risk-strategies.com

Roush Insurance Services, Inc. 18077 River Rd., Ste. 107, Noblesville, IN 46062 Phone: (800) 752-8402, Fax: (317) 776-6891 quote@roushins.com www.roushins.com

RPS Healthcare

525 W. Van Buren, Ste. 1325, Chicago, IL 60607 Phone: (312) 803-6014

Diane_Burrows@rpsins.com rpsins.com/industries/healthcare-insurance

RPS Signature Programs

2850 Golf Road, Rolling Meadows, IL 60008

Phone: (866) 595-8413 info@rpsins.com rpsins.com/signatureprograms

Unique risks? New niches? Never been done before? That’s our specialty. We help provide your clients with specialized coverage from trusted carriers, so you can move on with confidence.

RPS Technology & Cyber

204 Cedar St., Cambridge, MD 21613

Phone: (800) 336-5659, Fax: (410) 228-7645

Estelle_Cummings@RPSins.com rpsins.com/industries/technology-insurance

Ryan Specialty National Programs

10150 York Rd., 5th Fl, Hunt Valley, MD 21030

Phone: (800) 366-5810, Fax: (410) 828-8179

Hollie.Degutis@ryansg.com www.RyanPrograms.com

Sapphire Blue

155 N Wacker Drive, Chicago, IL 60606

Phone: (312) 784-6007, Fax: (312) 784-6002

nancy.mcmahon@sapphireblueuw.com sapphireblueuw.com

SASSI - Salon & Spa Specialty Insurance

21 Maple Ave., Bay Shore, NY 11706

Phone: (888) 823-9380, Fax: (631) 666-7646 info@brownyard.com www.sassiagency.com

Shelly, Middlebrooks & O’Leary, Inc. PO Box 2909, Jacksonville, FL 32203

Phone: (800) 342-2498, Fax: (904) 355-7611 ekoleary@shellyins.com www.shellyins.com

For more info, see our ad on page 8 (Southeast).

Shield Commercial Insurance Services

43725 Monterey Ave., Ste. A, Palm Desert, CA 92260 Phone: (760) 345-9029, Fax: (800) 345-4851 info@shieldins.net www.shieldins.net

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.

Signature Specialty, LP

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

Phone: (416) 413-1167 info@sigspecialty.com www.sigspecialty.com

Skyward Specialty Insurance

800 Gessner, Ste. 600, Houston, TX 77024

Phone: (972) 587-4315, Fax: (713) 467-8238 hdoughty@skywardinsurance.com www.skywardinsurance.com

South & Western General Agency, Inc.

PO Box 9015, Addison, TX 75001

Phone: (800) 492-5351, Fax: (972) 855-2970 sales@southandwestern.com www.southandwestern.com

Southern Hospitality Underwriters

300 Wilson Rd., Griffin, GA 30224

Phone: (866) 916-9752, Fax: (770) 233-8125 bbrown@shuins.com www.shuins.com

Southwest Risk

8144 Walnut Hill Ln., Ste. 1400, Dallas, TX 75231

Phone: (214) 206-4900, Fax: (214) 206-4901 info@swrisk.com www.swrisk.com

Specialty Insurance

1610 Route 88 Ste. 102, Brick, NJ 08724

Phone: (732) 701-8934 apyciak@specialtyagency.com www.specialtyagency.com

Sports & Fitness Insurance Corporation (SFIC)

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

Phone: (800) 844-0536, Fax: (601) 853-6141 contactus@sportsfitness.com www.sportsfitness.com

Sports & Wellness Insurance

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

Phone: (610) 808-9599 nsmmarketing@nsminc.com nsmsportsinsurance.com

Staffing Lines

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

Phone: (610) 808-9586, Fax: (610) 941-9889 nsmmarketing@nsminc.com info.staffinglines.com

StateFund First, a Div of Arthur J Gallagher & Co. Insurance Brokers of CA, Inc. 2121 N. California Blvd., Ste. 350 Walnut Creek, CA 94596

Phone: (855) 784-4433, Fax: (415) 536-4033 erica_bro@statefundfirst.com www.statefundfirst.com

Sun Coast General Insurance Agency PO Box 30750, Laguna Hills, CA 92654 Phone: (800) 300-8838, Fax: (949) 768-4045 jyeskin@suncoastinsurance.com www.SunCoastInsurance.com

TAPCO Underwriters, Inc.

3060 S. Church St., Burlington, NC 27216

Phone: (800) 334-5579, Fax: (336) 584-8880 KAllred@gotapco.com www.GoTAPCO.com

2024 Annual Program Directory, Summer Edition – Alphabetical Directory of Markets

Synergy Professional Associates, Inc.

100 Passaic Ave., Ste. 145, Fairfield, NJ 07004

Phone: (973) 995-0500, Fax: (973) 995-0501 michelem@synergy-ins.com www.synergy-ins.com

Target Managers Insurance Services

10161 Park Run Dr., Ste. 150, Las Vegas, NV 89145

Phone: (702) 588-5300, Fax: (702) 588-5310 mkiger@targetmanagers.com www.targetmanagers.com

Target Professional Programs

1230 E. Diehl Rd., Ste. 350, Naperville, IL 60563

Phone: (331) 333-8239, Fax: (630) 961-0284 sreidy@targetproins.com www.TargetProIns.com

TDC Specialty Underwriters

29 Mill Street, Unionville, CT 06085

Phone: (888) 277-3152, Fax: (888) 277-3152 submissions@tdcspecialty.com www.tdcspecialty.com

The American Equity Underwriters, Inc.

32nd Fl, 11 N. Water St., Mobile, AL 36602

Phone: (251) 690-4230, Fax: (251) 690-4299 aeu.marketing@amequity.com www.amequity.com

AEU is a program administrator for a group selfinsurance fund authorized by the U.S. Department of Labor to provide USL&H coverage for the liabilities of its members, which are waterfront employers of all sizes. AEU can also provide State Act workers’ compensation and MEL coverage.

The Hanover Insurance Group

440 Lincoln St., Worcester, MA 01653

Phone: (508) 855-1000, Fax: (508) 635-1193 abclark@hanover.com www.hanover.com

The McGowan Companies

Corporate HQ; 20595 Lorain Rd. Fairview Park, OH 44126

Phone: (800) 545-1538, Fax: (440) 333-3214 syoung@mcgowancompanies.com www.mcgowancompanies.com

McGowan Program Administrators (MPA) is America’s leading writer of innovative insurance programs. MPA is a Managing General Underwriter and Program Manager. MPA designs, administers and markets highly-specialized programs of insurance. These programs are available exclusively through MPA.

The Mechanic Group, Inc., A Division of Specialty Programs Group, LLC

One Blue Hill Plaza, Ste. 530, Pearl River, NY 10965

Phone: (845) 735-0700, Fax: (845) 735-8383

mkatz@mechanicgroup.com www.mechanicgroup.com

Insurance Programs, Brokerage and Risk Management for the Security Officer, Electronic Security-Alarm, Investigation and Background Screening Industries.

Truckers Insurance Associates

6400 Westown Pkwy, West Des Moines, IA 50266

Phone: (800) 652-9515

mlieb@truckers-insurance.com www.truckers-insurance.com

U.S. Brokers Network, a Division of U.S. Risk, LLC 14241 Dallas Pkwy, Ste. 850, Dallas, TX 75254 Phone: (719) 309-1051

submissions@usbrokersnetwork.com www.usbrokersnetwork.com

U.S. E&O Brokers, a Division of U.S. Risk, LLC 9811 Katy Freeway, Suite 625, Houston, TX 77024 Phone: (800) 460-6424, Fax: (713) 984-1152 angela@useo.com www.useo.com

UCA General Insurance Services Inc. 6363 Katella Ave., Cypress, CA 90630 Phone: (800) 222-5582, Fax: (714) 228-7855 bcolburn@ucageneral.com www.ucageneral.com

Union General Insurance Services, Inc. 1390 Willow Pass Rd., Ste. 1050, Concord, CA 94520 Phone: (925) 671-2128, Fax: (925) 671-0171 MatthewM@UnionGeneral.com UnionGeneralinsurance.com

Unitas Financial Services 6543 Commerce Pkwy, Ste. M, Dublin, OH 43014 Phone: (954) 931-4795, Fax: (866) 847-5565 john.watt@unitas360.com www.unitas360.com

Universal Insurance Programs

1220 E. Osborn Rd., Phoenix, AZ 85014 Phone: (800) 844-2101, Fax: (866) 512-2272 info@uiprograms.com www.uiprograms.com

US Assure

8230 Nations Way, Jacksonville, FL 32256 Phone: (800) 800-3907 marketing.info@usassure.com usassure.com

Vanguard Specialty

1120 E. Kennedy Blvd., Ste. 226, Tampa, FL 33602 Phone: (813) 999-8090 stephen.vanwert@vanguardspecialty.com www.vanguardspecialty.com

Venture Insurance Programs

1301 Wrights Lane East, West Chester, PA 19380

Phone: (800) 282-624730, Fax: (610) 692-5977 marketing@ventureprograms.com www.ventureprograms.com

Victor Insurance Managers LLC

770 Wisconsin Ave., Ste. 400, Bethesda, MD 20814

Phone: (301) 961-9800, Fax: (301) 951-5444

info.us@victorinsurance.com www.victorinsuranceus.com

Virtue Risk Partners, LLC

One Blue Hill Plaza, Pearl River, NY 10965

Phone: (845) 205-0301

jvalenza@virtuerisk.com www.virtuerisk.com

Western Surplus Lines Agency, Inc. PO Box 6609, Abilene, TX 79608

Phone: (800) 592-4408, Fax: (325) 695-0371

bcraig@westernsurplus.com www.westernsurplus.com

Wilkoff Bonds

135 Crossways Park Dr., 3rd Fl Woodbury, NY 11797

Phone: (516) 747-0200, Fax: (516) 747-2021

mwilkoff@wilkoffbonds.com www.wilkoffbonds.com

WINS RISK Solutions, Inc.

417 Main St., Ste. D, Islip, NY 11751

Phone: (631) 446-1499

asantiago@winsrisk.com www.winsrisk.com

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

68 S. Service Rd., Ste. 235, Melville, NY 11747

Phone: (800) 245-9653, Fax: (631) 390-0922

dtaylor@wwspi.com www.wwspi.com

Wrap Up Insurance Solutions

16141 Swingley Ridge Rd., Chesterfield, MO 63017

Phone: (636) 489-0185, Fax: (636) 536-7473

bbillhartz@wrapupsolutions.com www.wrapupsolutions.com

Wright Specialty Insurance

900 Stewart Ave., Ste. 600, Garden City, NY 11530

Phone: (877) 976-2111, Fax: (516) 227-2352

hdiamantidis@wrightinsurance.com www.wrightspecialty.com

XPT Specialty

50 Brewery St., Ste. 8476, New Haven, CT 06530

Phone: (972) 702-0500, Fax: (972) 702-0504

mark.kaufman@xptpartnersllc.com www.xptspecialty.com

Idea Exchange: Workers' Compensation

continued from page 27

5. Beverage cart injuries: Navigating a beverage cart down a narrow airplane aisle is tricky. Passengers will often stretch their feet into the aisle or have bags or other items hanging out from under the seat. As airline workers make their way down the aisle with the cart, they do not always see such obstacles or have time to stop the cart before hitting them. When the cart bumps into people or objects it raises the risk for injuries and workers’ compensation claims.

While less exciting, these types of incidents are recurring and often lead to injuries for airline workers and workers’ compensation claims for airlines. Such claims can lead to massive financial losses per year in a best-case scenario and can put airline workers out of a job and damage an airline’s reputation in a worst-case scenario

Mitigating Real Risks

Insurers play a critical role in helping airline carriers and their employees mitigate workers’ compensation risks. Four practical ways insurers and their airline clients can work together to keep airline workers healthier include:

1. Ask the right questions. Talk with people who do the job every single day. Ask about the easiest and hardest parts of their job. Take notes during these discussions. Then reflect upon those notes and seek solutions that can address the most frequent concerns.

2. Streamline. Observe your employees and seek to reduce the number of repetitive actions or tasks they perform. For example, if you notice employees constantly bend over to retrieve baggage, consider whether raising a baggage claim counter height could ease their burden and help reduce back- and neck-pain-related claims.

3. Provide expert-led training. Offering thorough on-the-job education to all airline employees is table stakes. To up-level training, consider selecting the best and brightest employees to lead education sessions. In the training I attended, we received instruction from employees who

shared real-life stories that added color and authenticity to our training.

4. Infuse empathy and transparency into your workers’ compensation program. Flight attendants and other airline employees care deeply about everyone’s safety. Airlines and their insurance carriers should show the same level of compassion. Ensure workers can talk to a real person — and not a computer — while filing a claim. Respond promptly to all requests. Make any next steps clear to employees and answer their questions so they know precisely what to expect during the process.

News reports about airline mishaps do not tell the real story about airline worker safety risks. While the skies may not be as dangerous as perceived in viral videos, the reality is airline employees still face multiple on-the-job hazards.

By working collaboratively and instilling a sense of humanity into their workers’ compensation programs, insurers and airlines can meet their employees’ needs and mitigate injury risks across the board.

Thomas is managing partner at Jones Jones LLC. She leads the firm through the evolving technicalities of workers’ compensation and insurance defense law.

Advertisers

June 3, 2024

Incline Casualty Company 13215 Bee Cave Parkway, Suite B-150 Austin, TX 78738

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.

June 3, 2024

Arch Property Casualty Insurance Company 2345 Grand Boulevard, Suite 900 Kansas City, MO 64108

The above company has made application to the Division of Insurance to obtain a Foreign Company License to transact Property and Casualty Insurance in the Commonwealth of Massachusetts.

Any person having any information regarding the company which relates to its suitability for the license or authority the applicant has requested is asked to notify the Division by personal letter to the Commissioner of Insurance, 1000 Washington Street, Suite 810, Boston, MA 021186200, Attn: Financial Surveillance and Company Licensing within 14 days of the date of this notice.

Closing Quote

How to Embrace Compensation Transparency

By Julie Bingham

The quest for transparency in compensation has become a paramount concern for both employers and employees alike. About one-fifth of U.S. employees are covered by compensation transparency laws, and many companies without requirements are opting for transparency policies because of the benefits they bring to recruiting and retaining talent. There is no “one-size-fitsall” process for developing compensation packages. Each should be designed based on the company’s philosophy and the data around employee preferences and priorities.

A thoughtfully crafted compensation package will not only increase employee retention but also attract talent.

Building a compensation package is more than doing a quick Google search, which often

provides data that is too generalized and difficult to defend. By emphasizing the importance of internal frameworks for determining compensation and educating employees on how these decisions are made, organizations can ensure that discussions about pay are based on reliable information and include consideration of the other benefits and rewards program investments the organization makes on behalf of its employees.

Understanding the reasons why employees choose to work for your company sets the stage for cultivating a compensation philosophy that aligns with your company’s values.

If you’re planning to implement compensation transparency but aren’t sure where to start, you’re not alone. For companies beginning the transparency journey, it’s not merely a matter of unveiling salary ranges; it’s a strategic endeavor that requires introspection, data-driven decision-making and clear communication. The key to building a successful and transparent program is to make decisions with intention and be ready to explain the “why” to employees.

Establishing Compensation

Consider the following steps when building your compensation package. Identify your organization’s unique philosophy. Consider what would make your prospective employees most drawn to working with you. For instance, if the salary range is on the lower end, are there other benefits such as your PTO policy

that would attract talent?

Define your market for talent. Central to the journey of strategic compensation packages is the process of market analysis and benchmarking.

Drawing from research and data that consider factors such as revenue size, employee demographics and geographic location allows you to gauge what compensation is reasonable and competitive. Define the market range based on the role itself, rather than the specific individuals filling it. By leveraging the full spectrum of pay and being ready to articulate the rationale behind where employees fall within it, organizations can provide clarity on how current pay decisions are made and illuminate additional compensation opportunities within employees’ current roles or through career progression.

For this step, it may be worthwhile to collaborate with a consulting firm that can provide access to their compensation survey library and build salary ranges. Combine this data with your company philosophy, and you are well on your way to building a competitive pay structure that is sustainable.

Identify gaps. Take time to discover what gaps exist in your current pay structure and take steps to address them. For example, is your company experiencing pay compression or high turnover? If so, focus on narrowing gaps and ensuring legacy employees have compelling reasons to stay and grow within the company.

Communication

There is a reason that compensation falls under

human resources and not finance; it is contingent on aligning employee expectations with organizational realities. Remember that transparency is a journey, and it starts with building a pay structure you can explain the “why” behind.

Tell your story. To ensure your company has consistent messaging, consider selecting a spokesperson from your executive team to lead the conversation about the rewards programs — including compensation, benefits, retirement, paid time off and other rewards — that make the company attractive to employees.

Set expectations early. Encourage open dialogue with candidates early in the hiring process to provide a transparent picture of compensation expectations. Articulate the rationale behind compensation decisions, emphasizing the broader spectrum of benefits beyond monetary rewards.

Foster ongoing communication. Set regular discussions within the organization about compensation, emphasizing the importance of aligning employee expectations with organizational realities. Provide platforms, like annual reviews or informal leader check-ins, for employees to ask questions, share concerns and gain clarity on compensation matters.

By aligning philosophy with market realities, addressing disparities, and fostering open communication, organizations can use transparency to attract, retain and engage top talent.

Bingham, SHRM-SCP, is vice president of Total Rewards Consulting at The MJ Companies’ Indianapolis office.