Insurance Business America issue 4.10

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TOP PROGRAM

ADMINISTRATORS Meet 28 of the leading companies in this fast-growing segment of the insurance industry

CALL THE DOCTOR

A guide to getting started in medical malpractice insurance

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WORK SMARTER, NOT HARDER

How to choose an agency management system that meets your needs

THE LATEST CYBER THREATS What brokers should be doing to minimize risk for their clients

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Exceptional Partnerships.

Extraordinary Solutions.

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E&S/Specialty nationwideexcessandsurplus.com A.M. Best rating of A+ (Superior), FSC XV Fortune 100 company Nationwide and the Nationwide N and Eagle are service marks of Nationwide Mutual Insurance Company. Š2016 Nationwide.

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ISSUE 4.10

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CONTENTS

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UPFRONT 04 Editorial

Why insurance can’t recruit millennials

06 Statistics

TOP

PROGRAM ADMINISTRATORS

COVER STORY

22

FEATURES

THE NEW CYBER REALITY

Cyber coverage is a must-have for businesses – so what are the latest threats brokers should know about?

PEOPLE

INDUSTRY ICON

FEATURES

42

GOOD MEDICINE

Medical malpractice is a thriving sector, but one that brokers need to understand thoroughly before diving in

09 Opinion

The one word independent agencies should erase from their vocabulary

10 News analysis

Growing wildfires are forcing clients into the excess & surplus market. What can brokers do to help?

14 Workers’ comp update

Opt-out workers’ comp plans hit another snag

16 Technology update

A new survey reveals surprising insights about millennials and insurance careers

FEATURES 36 Keep it simple, stupid

What to look for when choosing an agency management system

SPE

FEATURES

46

AGENCY INSIGHT

The leaders of Rutherfoord/ Marsh & McLennan Agency reveal how they’re bringing big risk management resources to middlemarket companies

2

Who’s to blame for the low rate of bridging between carrier portals and agency management systems?

This month’s big movers and shakers

QBE Group’s John Neal discusses the global insurer’s increasing presence in North America

18

08 Head to head

12 Intelligence

TOP PROGRAM ADMINISTRATORS

Having trouble finding coverage for a client in a niche industry? These 28 leading program administrators can help

38

Airline safety hits an all-time high

C IA

L

SE C F T BLUALL 2016ION E

BOO K

49

IBAMAG.COM CHECK IT OUT ONLINE

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Beyond Security®

“Seasoned Professionals”

Michele Tran Production Underwriter Ultra Risk Advisors Seasoned Tourist General Star Broker

“I love to travel the world. In fact, when it comes to touring, I’m a seasoned professional!

“My Med Mal partners at General Star are also seasoned professionals. Needless to say, their A++ rating and Berkshire Hathaway backing are impressive, but it’s their deep knowledge, longevity and specialization in health care risk management that are most important to me.

“Whether I’m navigating Budapest for the first time, or tackling an unusual risk with General Star, I’m confident of a positive outcome.

I rely on seasoned experience, including my team at General Star, to help me solve every challenge.”

To locate the General Star broker nearest you, visit our website at www.generalstar.com.

© 2016 General Star National Insurance Company is licensed in the District of Columbia, Puerto Rico and all states. General Star National Insurance Company has its principal place of business in Stamford, CT and operates under NAIC Number 0031-11967. Insurance is placed with General Star National Insurance Company by licensed producers. General Star Indemnity Company is an eligible surplus lines insurer in all states, the District of Columbia, Puerto Rico, and the Virgin Islands. It has the status as an unlicensed insurer in California and operates under NAIC Number 0031-37362. Insurance is placed with the General Star Indemnity Company by licensed producers and, for risk that qualify, by licensed surplus lines brokers.

Atlanta 404 239 6777

Chicago 312 267 8600

A.M. Best A++ XV

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Los Angeles 213 630 1930

S&P AA+

New York 212 859 3950

Stamford 203 328 5700

A Berkshire Hathaway Company

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30/09/2016 3:17:58 AM

UPFRONT

EDITORIAL

Communications failure

I

t shouldn’t be news to any of our readers that the US insurance industry is facing an oncoming talent shortage. Unfortunately, efforts to bring in young blood have been stymied by the simple fact that a career in insurance simply does not appeal to millennials. Research from The Hartford revealed in 2015 that only 4% of people ages 18 to 34 say they’re drawn to insurance.

But here’s where the industry is experiencing a serious communications failure – when you ask millennials in insurance what they think of their careers, they’re in heaven. Technology developer Vertafore reported in August that 81% of the 1,000 young industry professionals it surveyed plan to remain in insurance as long as possible. What’s more, 70% would recommend a career in the industry to their friends.

When you ask millennials in insurance what they think of their careers, they’re in heaven. So why is it so hard to get millennials interested in insurance?

The reasons why are simple. Poll after poll suggests that when millennials are evaluating potential career paths, they’re looking for career development opportunities, financial stability and work-life balance – results that exactly align with what young people told Vertafore they appreciate about their careers. So why is it so hard to get millennials interested in insurance?

In our conversations with agencies, we’ve discovered that while many recognize the need to hire young people, most simply are not reaching out to millennials on their turf, saying they’re too busy to attend job fairs, teach community college courses or network through social media. Instead, they’re sticking to their old methods of poaching from their competitors or drawing in sales professionals from other industries – successful methods, to be sure, but ones that don’t always yield youth.

The agencies and brokerages that have been most successful are the ones that have been investing the time and money required to bring this message directly to young people. These companies ask their own young employees to visit college campuses, teach courses and spread the word through LinkedIn and other social channels. They also implement training and mentorship programs so that young people can feel engaged and successful early. Finally, they invest in the technological tools that allow millennials to feel comfortable and connect with customers in the way they are most accustomed. There’s no silver bullet for repairing this communications failure, but together, these strategies make a good start.

The team at Insurance Business America

www.ibamag.com NOVEMBER 2016 EDITORIAL News Editor Caitlin Bronson Journalists Callum Glennen, Penelope Graham, Maryvonne Gray, Paul Lucas, Jordan Lynn News Writers Lyle Adriano, Louie Bacani, Mina Martin, Gabriel Olano Staff Writers Tim Garratt, Libby McDonald, Joe Rosengarten, Heather Turner, Ryan Smith Editorial Researcher Hannah Go Copy Editor Clare Alexander

CONTRIBUTORS Brent Kelly

ART & PRODUCTION Design Manager Daniel Williams Designer Joenel Salvador Production Manager Alicia Salvati Traffic Manager Kay Valdez

SALES & MARKETING Vice President Cathy Masek Media Sales Managers Chris Wills, Chris Anderson Mktg & Comms Manager Lisa Narroway

CORPORATE Chief Executive Officer Mike Shipley Chief Operating Officer George Walmsley Chief Information Officer Colin Chan Human Resources Manager Julia Bookallil

Editorial Inquiries caitlin.bronson@keymedia.com Subscription Inquiries subscriptions@keymedia.com Advertising Inquiries cathy.masek@keymedia.com, chris.wills@keymedia.com chris.anderson@keymedia.com

Key Media 78O7 E. Peakview Ave., Suite 115 Centennial, CO 80111, USA tel: +1 720 316 0151 www.keymedia.com Offices in Denver, London, Toronto, Sydney, Auckland, Manila, Singapore

Insurance Business America is part of an international family of B2B publications and websites for the insurance industry Insurance Business Canada john.mackenzie@kmimedia.ca T +1 416 644 874O Insurance Business UK jonathan.connelly@keymedia.com T +44 20 7193 0935 Insurance Business Australia peter.smith@keymedia.com.au T +61 2 8437 47OO Insurance Business NZ peter.smith@keymedia.com.au T +61 2 8437 47OO Insurance Business Asia peter.smith@keymedia.com.au T +61 2 8437 47OO

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Copyright is reserved throughout. No part of this publication can be reproduced in whole or part without the express permission of the editor. Contributions are invited, but copies of work should be kept, as the magazine can accept no responsibility for loss.

30/09/2016 3:18:22 AM

State-of-the-art insurance coverage plus expert risk management and breach response services to protect your business and your reputation.

That’s Cyber Strong.

CYBER STRONG. nasinsurance.com/cyber

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30/09/2016 3:18:29 AM

UPFRONT

STATISTICS

Coming in for a soft landing Airline safety is cruising – the most recent figures show a gentle decline in aviation accidents THE SKIES above the US are well on their way to becoming jam-packed: According to estimates from the Federal Aviation Administration, the number of passengers flying on scheduled commercial airlines in the US will top a billion annually by about 2029.

However, those crowded skies are also much safer: In 2014, an estimated 756 million people flew on commercial airlines in the US,

but there were no fatalities on large scheduled commercial airlines, a feat achieved for the fifth consecutive year. No fatalities were recorded on large non-scheduled airlines – that is, charter airlines – that year either; by contrast, in 2013, nine fatalities were reported.

Small commuter airlines, however, recorded four accidents in 2014, although none of these resulted in fatalities.

NORTH AMERICA

Number of accidents 13 Hull losses 4 Substantial damage 9 Fatalities 2

A WORLD OF AIRLINE SAFETY

68

136

Number of aviation accidents reported worldwide in 2015

37.6 million

Number of aviation accidentrelated fatalities recorded worldwide in 2015

Total number of flights worldwide in 2015

While US skies are safer today, that’s not the case everywhere. Accident data for 2015 reveals that both accidents and fatalities are crowded in the Asia/ Pacific region, North Asia and Africa.

3.1 million

Number or flights per one major accident in 2015 Source: The International Air Transport Association, 2016

PREMIUMS DECLINE

ACCIDENTS AND FATALITIES ON THE DESCENT

The value of premiums written by aviation insurance companies worldwide climbed gradually between 2006 and 2011 before sliding back down in 2012.

The total number of both accidents and fatalities in the United States shows a downward trajectory on both scheduled and unscheduled planes during the years between 2005 and 2014.

2005 $2.16 billion

TOTAL ACCIDENTS

40

FATAL ACCIDENTS

3

2005 $1.77 billion 2007 $1.58 billion

35

2008 $1.66 billion

2

2009 $1.96 billion 30

2010 $2.1 billion 2011 $2.05 billion

1 25

2012 $1.83 billion 2013 $1.6 billion 2014 $1.65 billion 0

1

1.5

$ billions

2

2.5 Source: Statista, 2016

6

0

20 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014

2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 Source: National Transportation Safety Board

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COMMONWEALTH OF INDEPENDENT STATES

EUROPE

Number of accidents 12 Hull losses 1 Substantial damage 11 Fatalities 0

Number of accidents 8 Hull losses 2 Substantial damage 3 Fatalities 0

MIDDLE EAST/ NORTH AFRICA

Number of accidents 3 Hull losses 0 Substantial damage 3 Fatalities 0

NORTH ASIA

Number of accidents 4 Hull losses 2 Substantial damage 2 Fatalities 43

LATIN AMERICA/ CARIBBEAN

Number of accidents 3 Hull losses 1 Substantial damage 2 Fatalities 0

ASIA/PACIFIC

Number of accidents 20 Hull losses 4 Substantial damage 16 Fatalities 54

AFRICA

Number of accidents 8 Hull losses 4 Substantial damage 4 Fatalities 37 Source: Safety Report 2015, IATA, April 2016

THE GLOBAL PICTURE

GLOBAL LOSSES DIP

Worldwide, the downward trend in accidents and fatalities is much the same, although it’s not as pronounced, as aviation accidents continue to plague much of the developing world.

Despite some large and high-profile losses in 2014, the overall trend for airline safety since 2010 is one of continued improvement.

TOTAL ACCIDENTS

100

FATAL ACCIDENTS

2010

700

25 20

90

TOTAL ACCIDENTS

15

600

2011

500

2012

400

80 10 70

300 2014

5

200

2011 2012 2013 2014 2015

0

100

0

60

2013

2011 2012 2013 2014 2015

2011 2012 2013 2014 2015 Source: International Air Transport Association, 2016

5 Losses over $250 million

10 Losses over $100 million

15

20

Losses over $10 million Source: Airline Insurance Market Overview, Willis, 2015

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30/09/2016 3:19:08 AM

UPFRONT

HEAD TO HEAD

Who’s responsible for making digital connections?

Only 6% of agents bridge to carrier portals through agency management systems – but who’s responsible for changing this?

Ron Berg

Thad Bauer

Amber Bosma

Executive director IIABA Agents Council for Technology

VP and general manager IVANS Insurance

Vice chair Applied Client Network

“This responsibility lies across the full distribution channel – carriers, vendors and agents. Carriers must work to implement consistent ‘best practice’ quoting functionality for bridging personal and commercial lines. Vendors should provide consistent, intuitive workflows that use ‘interview’ screens to allow agents to verify bridged data. And agents must provide consistent feedback on workflow to both carriers and vendors, and commit to utilizing the functionality.

ACT is releasing carrier bridging best practices recommendations, with input from carriers rated as having the best bridging interfaces. While focused on small commercial lines, it can be used as a template for personal lines.”

“This challenge is an opportunity for all key stakeholders – agencies, carriers and their software providers. Agency management systems and connectivity solutions are increasing in agility to ensure the right data is being captured and seamlessly sent to carriers through their preferred channel. Simultaneously, automated workflows in agency management systems are available for agents to easily input the required data to submit to carriers in real time.

Through increased connectivity and automation, this opportunity will create ease of doing business through the independent agency channel to drive a better customer experience and greater success across the insurance life cycle.”

“Education in the agency is the numberone way to change this. Getting agencies to adopt this workflow is a must.

The bridge to carriers is available via real time through agency management systems. Policy inquiry, claims and upload work well, but quoting through real time can be cumbersome. And not all carriers offer real time, and some limit offerings.

When carrier marketing reps visit, it’s important for CSRs and producers to say what isn’t working or what they’re not familiar with. Carriers still tell agencies to use websites, but that would mean logging into 30 sites – not workable in the long term.”

BRIDGING THE DIGITAL DIVIDE In a world that takes connectivity for granted, carriers, vendors and agents seem to be lagging behind when it comes to providing ease of use and a better customer experience. Only slightly more than one in 20 agents uses bridging to quote new commercial lines, according to a recent survey. The same survey turned up the fact that 16% of agents use bridging to personal lines policies, thus requiring some agents to manually re-enter data when they switch from carrier portals to their management systems, bogging down the process and upping the risk of error.

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UPFRONT

OPINION

GOT AN OPINION THAT COUNTS? Email iba@keymedia.com

The most toxic word in insurance When it comes to making the most of your agency, having uphill hopes and downhill habits won’t cut it, writes Brent Kelly A MINDSET has infiltrated – and is wreaking havoc on – the independent insurance industry. In fact, I would say this mindset is typified by a word that is toxic to any insurance agency that simply accepts the implications of this word.

That word is ‘average.’

I recently spent a week with the number-one leadership expert in the world, John C. Maxwell, and his faculty of teachers. During that time, John said something simple that is too often overlooked in the world of business: “No one has ever succeeded by being average.”

The insurance business is a relationship business. You do not sell insurance policies and happen to serve people. You serve people and happen to sell insurance policies. There’s a huge difference. If you value people – truly value those you serve – you can’t deliver average. It’s not good enough.

This all starts and ends with having the right mindset. Do you desire to be excellent or average? Far too many agencies look at their circumstances, such as marketing budget, location, resources, etc., as a reason for their current situation. I believe that average businesses accept their circumstances, but great businesses create them.

To go beyond average and exceed expectations, you have to be willing to commit more time, more energy and more passion

into every day. You have to be willing to stretch and go beyond what is comfortable.

As John Maxwell says, “Everything worthwhile is uphill. Unfortunately, too many of us have uphill hopes, but downhill habits.”

I don’t believe many insurance agencies

often prevents you from greatness. Being average is easy. Being average is comfortable. That’s why average is so common – and also why it’s is toxic.

To move beyond average, the focus must be not just on goals, but on growth.

The only guarantee that you will be better tomorrow is to grow daily. You don’t move from average to exceptional in a day, but you must work on the process every day.

So what is holding your agency back from greatness and achieving your true potential? For most agencies, the number-one cause is fear of failure. For you to grow, you must suspend the requirement of always having to know how to do something before you actually do it. That means making mistakes and facing your fears. Failure is the best growth tool ever created, but you must be willing to tackle it head-on and learn from it.

It starts and ends in your own mind. It starts with your awareness, belief and a guiding set of principles that set your foundation. If you don’t want growth, desire growth, hunger for growth and truly believe

“If you value people – truly value those you serve – you can’t deliver average. It’s not good enough” accept average because they don’t know how to be better. It’s because doing something about it requires commitment and sacrifice. The biggest gap in the world is the gap between what you know and what you actually do.

I see this every day and struggle to overcome it myself. When I train and coach clients to increase their performance, they typically already know what to do. They just can’t see their own potential and move past their doubts, fears and self-limiting beliefs.

There is also often a lack of urgency.

One of the greatest blessings for insurance agencies has also been their greatest curse.

Agencies have been doing ‘good enough’ for a long time. They’ve been able to get by on past experiences, a strong financial position and long-term relationships.

The problem with ‘good enough’ is that it

in yourself and in your agency, you will never step beyond average. That’s because you can never outperform your own self-belief.

Too many agencies today settle. Too many agencies are unwilling to push themselves past their comfort zone. Too many agencies are willing to accept average.

Don’t ever settle for average. You can do and achieve more – and you know it.

Your prospects, clients, team members and company partners deserve your best. The insurance industry deserves your best. Most importantly, you deserve your best.

Brent Kelly is the CEO of Bizz Grizz and a certified partner with the John Maxwell Team. He speaks to and coaches insurance agencies on leadership, communication and growth.

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UPFRONT

NEWS ANALYSIS

Feeling the heat Massive wildfires around the Western US have sent rates rising, leaving producers eager to take advantage of new industry developments LAST YEAR saw a new record set for the number of acres destroyed by wildfire in the United States. As global temperatures soared, the country suffered 68,151 fires that burned 10.1 million acres. And 2016 is on pace to match that record – as of the end of August, 40,630 blazes had already occurred.

As wildfire risk increases, so do insurance rates – particularly in the Western US, where premiums in some areas have skyrocketed as much as 30%, pushing some from their homes and businesses and others to the excess & surplus lines market in order to secure coverage for their property.

The 2016 blazes have been particularly strong in California, where a wildfire burning in the Big Sur region – sparked by a hiker’s campfire – has destroyed at least 300 structures and put more than

average 8% to 10% increase in homeowner’s premiums and doesn’t expect that to change any time soon. Certain underwriting factors, including brush clearance and access points to the home, have led to even higher price jumps – sometimes as much as 25%, depending on the carrier.

And in the event of a declination from standard market carriers – an increasingly common occurrence – a move to the surplus lines space can cost consumers 30% to 50% more.

“I think this is the new normal, and will become even more the new normal as we continue to see more and more wildfires,” Beatty says.

For their part, insurance carriers agree.

Scott Spencer, senior vice president of risk management at PURE, notes the increased

“It would be beneficial to work with clients in planning [home improvements] ... it could save them thousands over the years” Diane Beatty, NFP Property & Casualty 2,000 buildings in danger. The fire, which began in early August, has grown to almost 84,000 acres and is not expected to be fully contained until the end of September.

Diane Beatty, regional vice president of NFP Property & Casualty in San Francisco, says the effects of recent blazes have not gone unchecked by insurance carriers. In the past two to three years, she has seen an

10

frequency and severity in wildfires in recent years, driven by certain lifestyle trends.

“The propensity for people to build spaces in what used to be wilderness, and to hike and camp there, is much greater,” he says. “Whereas before wildfire causes were primarily natural, we’re seeing many more manmade causes.”

But while rates are rising and stan-

dard market appetite is dwindling as a result of increased wildfires, there have been some developments in the space that benefit both insurance producers and their clients. Carriers committed to the space are doing more to protect their own interests through new programs, which by extension help consumers prevent losses and give producers a competitive advantage through value-added services.

PURE, AIG and Chubb are all offering complimentary enrollment in wildfire protection programs, which pinpoint at-risk homes, track wildfires and send out alerts, and even deploy defenses to the property in the event of a fire. They also provide thirdparty resources to help clients with landscaping, wood storage, brush removal and other services that may contribute to a less expensive premium.

“What we’ve found is that from the client’s standpoint, it’s a huge aid to have a sort of calming voice in these situations because panic often sets in,” says Kevin Fuhriman,

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THE 10 HOTTEST STATES The following US states have the greatest likelihood for wildfire damage, based on the number of properties assessed to be at high or extreme risk.

California 1,989,100 Texas 1,299,800 Colorado 373,600 Washington 163,400 Idaho 160,800 Oregon 159,800 Arizona 159,100 Utah 125,500 New Mexico 122,600 Nevada 59,100 0

500,000 1 million 1.5 million 2 million Number of properties at risk for wildfire Source: Verisk Insurance Solutions

a risk consulting catastrophe manager at Chubb. “Our communications lines in particular have been greatly appreciated, as we keep clients informed of the situation and what condition their property is in. They may have been evacuated for several days,

“We’re surprised at how many clients just don’t fill out the extra form to enroll in the program,” Beatty says. “As brokers, we really have to constantly monitor and make sure forms are completed and policyholders are enrolled. It’s already part of the premiums

“From the client’s standpoint, it’s a huge aid to have a sort of calming voice in these situations because panic often sets in” Kevin Fuhriman, Chubb and to take away some of that uncertainty and stress is big.”

Beatty agrees that such services are a “huge bonus” not only for policyholders, but also for producers. Agents and brokers can use such programs to market themselves as a step up from traditional direct writers that don’t offer these kinds of services, she says. The key, however, is to follow through on enrollment.

they are paying.”

Producers can also help shield clients from hefty rate increases by involving themselves with any new home improvement projects policyholders are planning, Beatty says, adding that this will require a paradigm shift in the way clients think of their agent, but it will ultimately serve both over the long term.

“It would be beneficial to work with clients in planning, steering away from wood roofs or wood siding, providing extra water onsite and engaging in responsible landscaping,” she says. “If all of that was incorporated, it could actually save clients thousands and thousands over the years and put them into a preferred market, instead of them completing the home and finding out they’ll be forced into the excess market.”

Brokers with limited know-how of wildfire prevention can again look to carriers as a resource.

“We spend quite a bit of time sharing the knowledge we’ve gained with agents so that when they visit a client’s home, they know what to do and what actions need to be taken to make it more survivable, defensible and insurable,” Fuhriman says. “It’s key that they not only understand that exposure for risk management purposes, but also so they are prepared to explain any carrier actions so that they make sense instead of seeming petty or like an intrusion.”

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30/09/2016 3:21:01 AM

UPFRONT

INTELLIGENCE CORPORATE ACQUIRER

TARGET

PRODUCTS COMMENTS

BMS Intermediaries

Advocate Reinsurance Services

The acquisition gives BMS access to a full-service intermediary that delivers reinsurance solutions

Brown & Brown

Kronholm Insurance Services

Kronholm specializes in providing lawyers’ professional liability, court bonds and long-term care in the Northeast

Confie

Absolute Insurance Agency, First Stop Insurance, Citywide Insurance

Confie has acquired three separate insurance brokerages, all of which focus on non-standard auto

Eastern Insurance Group

John E. Patterson Insurance Agency

The acquisition is Eastern’s 25th since 2002

Integro Insurance Brokers

Insurance Revolution

Insurance Revolution is the parent company of niche insurance retail broker Maloy Risk Services and Lloyd’s coverholder Piedmont Managers

Kraus-Anderson Insurance

Onyx Benefit Advisors

Onyx and its three employees will relocate to the KrausAnderson office in Burnsville, Minnesota

SWBC Insurance Services

Levy & Levy & Lefton

LLL is one of the oldest independent agencies in San Antonio, founded in 1919

IronPro releases coverage for credit card reissues

IronPro, Ironshore’s financial and professional lines division, is introducing an enhancement for compromised plastic card reissuance expenses to its Enterprise PrivaProtector coverage. The enhancement covers expenses relating to replacing credit or debit cards that have been compromised by a data breach on an electronic database, computer or thirdparty network. According to the American Bankers Association, the cost to create and mail a new debit card is about $11 per card, while the cost to reissue a new credit card is $12.75 per card.

Valuation at an all-time high for agency M&A

It’s never been a better time to put your insurance agency on the market – but you’d better act fast. The number of insurance agency mergers and acquisitions in the first half of 2016 ranked as the second most active six-month period since 2008, with 232 announced deals, according to the OPTIS Partners’ M&A database. “If you’re an agency owner thinking about the best time to put your agency in play, consider taking action sooner than later,” said Daniel P. Menzer, partner with OPTIS. “Interest from buyers is high, and agency valuations are near their peak.”

Buyers are especially interested in property & casualty shops, which represented 124 of the announced transactions. There were 43 employee benefits agency sales, while combined property & casualty and benefits agencies represented 40 deals. The most active buyers are private equitybacked firms (114 transactions), followed by privately owned brokers (68 deals). Publicly traded brokers announced 24 deals, and banks announced 15.

Insurance companies and other buyers were relatively inactive, particularly when compared to the same period last year.

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Food truck coverage expands to more states

Farmers Insurance is rolling out its food truck insurance product to 16 more states, including Washington and Kansas. The product was initially made available only in New Mexico and Utah, but Farmers plans to introduce food truck insurance policies to a total of 28 states over the course of 2016.

Before the advent of food truck insurance, owners had to secure separate policies – commercial auto, business owner, restaurant – for their operations. This product makes policy purchasing and management much more convenient for mobile food entrepreneurs.

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30/09/2016 3:22:17 AM

PEOPLE Allianz launches inland cargo solution

Allianz Global Corporate & Specialty [AGCS] recently rolled out Transportation Block 2020, a comprehensive inland marine cargo insurance product complete with risk management services. The product features coverage for a wide range of transportation exposures, such as those recently identified by the FDA’s Food Safety Modernization Act. Clients will have access to risk management support services offered by professionals and legal consultants that focus on transportation cargo risks, including global security firm AFIMAC and security services company Freightwatch.

Carrier expands crane rental and rigging products

National Interstate Insurance Company is expanding its crane and rigging insurance program, previously only available to mid-sized and large companies, with a new product that focuses on small- to mid-size crane and rental rigging operations.

Products in the portfolio include auto liability, physical damage, workers’ compensation, general liability, motor truck cargo, excess, property and cyber liability.

National Interstate offers products through an open retail distribution network and is actively seeking producers to market it.

Berkeley Alexander adds product for landlords

General insurance provider Berkeley Alexander has released a new buy-to-let landlord product that also offers cover for unoccupied properties. The product joins the company’s existing portfolio of landlord products on its quote-and-buy system from other insurers. The company said the product was developed in response to continued demand for landlord insurance, as periods of unoccupancy go hand-in-hand with buy-to-let property. The new policy is underwritten by Ergo Versicherung AG, part of Munich Re Group.

NAME

LEAVING

JOINING

NEW POSITION

Jacquelyn Anderson

N/A

Penn National Insurance

Senior vice president, chief financial officer and treasurer

Rick Ciullo

Chubb

Hartford Financial Services Group

Chief operating officer, Hartford Bond

Doug Fyfe

CBIZ Insurance Services

Alliant Insurance Services

Vice president, Alliant Americas

Glenn Jackson

Axiom Re

RFIB Group

Managing director, RFIB Americas

John Kirchofer

XL Catlin

Fidelis Group Holdings

Vice president of marine division, Continental Underwriters

Cait Levy

Willis North America

Beecher Carlson Insurance Services

Senior vice president

Chris J. Malicki

SMART Safety Group

Cavignac & Associates

Risk control advisor

Edward W. McConnell

Assurance Agency

HUB International

Senior vice president and national staffing practice leader

Erika Montoya

Prosight Specialty Insurance

All Risks

Senior underwriter for music, touring and live events

Christopher Schaper

Montpelier Re

Marsh

CEO, MGA business

Peter Schmitz

Aon

Lockton Cos.

Senior vice president and aviation practice leader

Martin South

N/A

Marsh

Head of US and Canada business division

Andrew M. Stephens

Aon Benfield Group

Ironshore

Branch executive, San Francisco, West region

John Tatum

CNA Financial Corp.

Axis Capital Holdings

Executive vice president and head of US programs

Rick Ulmer

Marsh USA

Regions Financial

President and CEO, Regions Insurance Group

Liberty Mutual appoints new VP

Liberty Mutual has hired Prudential alumnus Brian Roth as vice president of partnership development. Roth’s new role will involve “the strategic expansion of Liberty Mutual’s key broker and consultant relationships at the leadership level,” according to the company. Roth served in a number of leadership positions prior to joining Liberty Mutual, most recently as VP of national account sales at Prudential, where he helped with the development of life, disability and absence management products and services, as well as voluntary benefits.

Network names new personal lines exec

Personal lines has proved to be a fulfilling space for Networked Insurance Agents’ Deanna Mallette, who was recently promoted as the network’s director of personal lines. Mallette has spent nearly all of her career helping independents compete in an increasingly crowded environment, including explaining the benefits and opportunities of offering personal lines to Networked’s 1,000-plus member affiliates. That task will be among her top priorities in her new role as director, along with assisting Networked in potential expansion to other Western states and increasing service offerings to existing members.

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30/09/2016 3:22:25 AM

UPFRONT

WORKERS’ COMP UPDATE NEWS BRIEFS Tough times ahead for workers’ compensation

The impressive results enjoyed by the workers’ compensation industry are unlikely to continue, according to a new report from Conning. The study suggested that while workers’ comp premiums have been rising in the past six years thanks to growth in payrolls and the expanding economy, it will soon be eclipsed by the softening insurance market and meteoric rise in medical costs. Steve Webersen, head of insurance research at Conning, highlighted pressures in investment income, the rate environment and medical costs as “driving a significant deterioration in combined ratio performance over the next few years.”

Key factor in workers’ comp costs varies state to state

Hospital rates for outpatient surgery – a key determinant in workers’ comp costs – vary widely across the country, according to a recent study. The Workers’ Compensation Research Institute found that states with fixed fee schedules have lower overall surgery costs for injured workers. By contrast, states with no workers’ comp fee schedules for hospital outpatient reimbursement had costs between 63% and 150% higher than the median of the 33 study states. In addition, in non-fee schedule states, workers’ comp paid between $4,262 and $8,107 more than Medicare for similar hospital outpatient services.

Kentucky approves new workers’ comp rate

The Kentucky Department of Insurance recently approved the annual workers’ compensation rate, which took effect on

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October 1. Most carriers are expected to peg their rates on the annual filing, which marks the 11th consecutive decrease in loss costs. Decreases have lowered cost by an average of 55%. Loss cost figures show that rates decreased by a 5% average across the 582 industrial classes used in Kentucky.

However, coal classes saw a 21% loss cost increase in surface mining and a 25% uptick in underground mining.

California submits pure premium rate filing for 2017

The Workers’ Compensation Insurance Rating Bureau recently made its pure premium rate filing to the California Department of Insurance. The bureau recommended pure premium rates that average $2.26 per $100 of payroll, reflecting an 11% decrease compared to the industry average filing for July 1 of this year. The proposed reduction for the start of 2017 adheres to a 5% reduction upheld by the California Insurance Commissioner earlier this year and is due to the easing in medical losses, lower-than-projected medical claim costs for last year, quicker settling times of indemnity claims and forecast wage growth in California.

Florida endorses 14.5% workers’ comp rate hike In late September, Florida insurance regulators approved a 14.5% increase in workers’ compensation insurance rates, effective December 1, for both new and renewal policies. The hike represents a compromise with the suggested 19.6% increase filed by the National Council on Compensation Insurance. Workers’ comp advocates praised the decision as a more responsible increase, though some business leaders are calling the decision a potential job-killer in the state’s economy.

Court ruling puts brakes on opt-out plans The failure of opt-out workers’ comp in a key state has dampened prospects elsewhere A ruling from the Oklahoma Supreme Court in September, declaring the opt-out system illegal, is just the latest in a line of failures for alternative approaches to workers’ compensation.

The state’s highest court ruled 7-2 in Vasquez v. Dillard’s, coming to the same conclusion as the Oklahoma Workers’ Compensation Commission when it considered the case in February. The written decision found that Oklahoma’s opt-out system “creates impermissible, unequal disparate treatment of a select group of injured workers.”

The ruling effectively strikes down legislation passed in 2013 as part of a workers’ comp reform package, qualifying employers to exit the state’s comp system by establishing an employee benefit plan.

The case that triggered the declaration involves Jonnie Yvonne Vasquez, who says she was injured lifting boxes in the shoe department of a Dillard’s store in September 2014.

Dillard’s had opted out of the state workers’ comp program and established an alternate system, but Vasquez said the Dillard’s alternative denied her request for an MRI, saying her medical condition was pre-existing and not the result of a work-related injury.

Vasquez claimed the opt-out provision endorsed by Oklahoma violates her equal protection, access to courts and due process rights. While the Supreme Court declined to issue a decision on that score, the Oklahoma Workers’ Compensation Commission agreed.

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“A closer look at the statutorily authorized plan requirements reveals that the benefit plans permitted to be used to opt-out establish a dual system under which injured workers are not treated equally,” the commission said in its order. “The appearance of equal treatment under the dual system is like a water mirage on the highway that disappears upon closer inspection.” The commission also argued that Dillard’s opt-out plan had a narrow definition for aggravation of a pre-existing injury that denied Vasquez her right to benefits.

“The opt-out system creates impermissible, unequal disparate treatment of a select group of injured workers” The Oklahoma Supreme Court’s decision is just the latest blow to the opt-out approach – in February, the Tennessee House Consumer Affairs Committee removed an opt-out bill from its legislative calendar. The bill had borrowed language from similar legislation in Oklahoma, which passed its opt-out bill in 2013, and Texas, which has allowed private employers to opt out of buying workers’ comp insurance for more than 100 years.

That defeat was significant for proponents of opt-out legislation, who had targeted Tennessee as a state likely to embrace the concept. Enthusiasm for opt-out legislation has waned elsewhere as well. South Carolina was due to consider a similar proposal, allowing employers to provide injury benefit plans that are less comprehensive than statemandated workers’ comp insurance, but the bill – introduced last May – has not been revisited so far this year.

Q&A

Robert Purdy President and CEO

Securing the staffing industry

AIC UNDERWRITERS

Years in the industry 30 Fast fact Purdy led the development of AIG’s workers’ compensation product for temporary staffing, which is now worth $90 million

Can you characterize the recent growth in the temporary staffing sector in the US? What kind of opportunity does it present insurance agents?

People have realized that when they are starting new businesses and need help, they can go to temporary firms for employees.

This helps them make their profit margin and get through the heaviest parts of their year until they grow their business to the next level.

As economic growth continues, we’ve seen between 6% and 7% growth in the staffing industry, and I expect that continue at least through the next five years.

What exposures are associated with temporary staffing operations that differentiate them from other accounts?

Agents and underwriters have to be very careful about what classifications are given to them by temporary staffing firms. In this field, the insured adds and subtracts workers every day, and if the class codes aren’t correct, our rating won’t be.

Another key component is making sure the temporary staffing operation has good risk management procedures in place. Do they make sure each business that employs their workers gives those workers instructions and proper safety training?

This is most important in blue-collar workplaces, where workers could be landscaping, lumbering or contracting with other heavy exposures. White-collar jobs are not as hazardous, so they’re lower in price.

Given those difficulties, what is the current market appetite for these kinds of risks?

It’s very limited. Most carriers don’t want to entertain temporary staffing operations because they’re very hard accounts to underwrite. You don’t know where any given worker will be tomorrow, or whether they’ll receive on-the-job training. You have to have very good risk management in place, as well as strong relationships with the agent and insured, to make it work.

Two states – Pennsylvania and Delaware – actually have a separate classification for workers’ comp for temporary staffing, and rates are about 15% higher.

How has the advent of professional employer organizations affected this space?

It’s an interesting phenomenon. When you get into temporary staffing, there is hardly anyone at the actual office to insure. It’s not where people show up every day.

But, as PEOs expand and start to take in temporary staffing operations, the blending of those two operations can be challenging. An underwriter has to be especially diligent when they’re working with these types of exposures.

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30/09/2016 3:23:02 AM

UPFRONT

TECHNOLOGY UPDATE

Tech adoption key to recruiting millennials A new survey suggests that tech-savvy companies could have an easier time attracting young workers

president of marketing at Vertafore. “When you talk with millennials on the front lines of the industry, they say insurance is giving them exactly what young people in general are looking for – so it’s alarming that we haven’t figured out how to lower the perception barrier and make insurance a viable career path.”

One way to do that may be stressing how insurance answers much of what millennials say is on their career wish list. A vast majority (81%) told Vertafore that financial stability was most important in their decision to remain in

“It’s very clear that insurance has a big perception problem”

If the insurance industry wants to close its oncoming talent gap by hiring more young people, it’s going to have to contend with a serious communications failure. New research reveals that while an overwhelming majority of young insurance professionals love their careers and intend to remain in the industry as long as possible – in part due to ongoing access to technology – millennials in general still view the sector with disdain.

Research conducted in 2015 by The Hartford reveals that only 4% of people aged

NEWS BRIEFS

18 to 34 say they’re drawn to insurance; many described the industry as “boring.” However, technology developer Vertafore’s third annual Millennials in Insurance survey pushes back against those notions. It found that a full 81% of respondents plan to remain in insurance as long as possible, and 70% would also recommend a career in the industry to friends.

“When you dig into these results, it’s very clear that we have a big perception problem when it comes to what insurance can offer young people,” says Guy Weismantel, vice

Big business worried about data loss, not hackers

A Wells Fargo study found that big businesses worry more about data loss than about breaches from hackers: 47% of companies making more than $100 million in revenue were worried about data loss in 2016, while only 26% were overly concerned about hackers gaining access to their data.

Another 26% were worried about security breaches that didn’t involve outside hacking.

The report also warned that one in five large companies had been targeted by impostor fraud, but only 38% had added impostor coverage to their insurance policies.

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the industry, while 78% cited work-life balance.

Another three-quarters said it was career development – a factor Gallup surveys indicate is the most important source of job satisfaction for millennials.

Technology is also key. Almost 86% of respondents said technology is increasing and enabling them to better reach serve customers. Fifty percent regularly use social media to perform business functions, and a full two-thirds said they were satisfied with their company’s use of technology.

“That’s a big increase over the past few years, and very encouraging for us to see because technology is a lens through which millennials really look to see if they’d fit in and enjoy working at a particular company,” Weismantel says.

Munich Re to underwrite ondemand insurance

Munich Re recently won the bid to underwrite on-demand insurance platform Trov in the US, starting in 2017.

Trov’s app allows consumers to insure individual belongings and to choose when they want the coverage to be active. Users select either to pay rates per day or monthly; rates are based on the item being insured and the deductible consumers choose. Once an item is signed up to the app, users can activate coverage for the item instantly with the swipe of a finger. Claims also can be filed through the Trov app.

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Q&A

Improving insurance’s image Tara Kelly CEO SPLICE SOFTWARE

Years in the industry 20 Fun fact Kelly taught herself to code and wrote her first program when she was only 9 years old

What do you think is the role of automation in insurance, and what role will young people play in bringing that to pass?

I think it’s about redefining a role – what type of relationship do customers have with their insurance companies, and how can we earn the right to be part of their day-to-day life? There is a really intelligent workforce available in Generation X and Generation Y that are already helping to sort that out. They are extremely well informed, and they have the added bonus of looking like a growing portion of your client base.

Insurance has a challenging reputation of being stodgy, inflexible and money-grabbing, yet when you ask young people if they want a career in big data, they’ll say yes. I’d say to insurers that you’re much cooler than you think – you just need to talk to the emerging workforce and tell your stories, and everyone benefits.

What insurance companies are providing a good model in terms of leveraging technology to recruit young people?

AAA is really doing well at developing a keen community focus, which is appealing to millennials. Liberty Mutual is also toying with better technology internally, as is Farmers and of course Geico. Geico really broke all the rules when it comes to using technology to improve the insurance company’s relationship with its customer.

These are large, national companies with big budgets and resources. Competing against these corporations, can smaller insurance agencies successfully attract young people?

Absolutely. We have so much data just waiting to

Another tech-based insurance startup enters the fray

Los Angeles-based DropIn is looking to change the way insurers handle claims by introducing two-way video hardware for claims processing and drones for appraisals. Someone involved in a car accident, for instance, can contact their insurance adjuster, who would use DropIn’s services to interview the driver and appraise the damage via the driver’s smartphone.

Similarly, DropIn’s services enable insurers to use drones to conduct fly-over property appraisals, or to send a fleet of drones to a disaster area to assess the possible damage.

be used, and software vendors are filling the gap by creating an affordable mix of products to do that.

It’s going to create a paradigm shift where agents and brokers are earning the right to be part of a customer’s life by exploring that data to mitigate risk and help customers. Agencies that put those tools in the hands of their producers are going to be the ones that will crush it in terms of hiring this really intelligent and savvy workforce.

You mentioned that technology adoption can be mutually beneficial for both agencies and young employees. How are young people leveraging technology to the benefit of their employers?

I think a lot of it is using technology and social media to build relationships. Many insurance companies will create a mobile app and then be surprised when their customers don’t use it. What they don’t realize is they’ve got to earn the right to be part of their customers’ mobile life.

By putting technology in the hands of younger brokers and agents, agencies have benefited from greater customer relationships. Young people are texting their clients, connecting with them through social media and engaging with them beyond just wishing them a happy birthday when you get a notification on Facebook.

I think this will continue, and we’ll even start to see changes in how insurance companies write policies to adapt more to the ‘micro moment’ than a simple insurance need – for example, insurance for a single drone flight rather than for the drone itself.

Google could make another play in insurance

Google has revealed new intentions for the insurance market – but it’s not about to become a direct player.

Speaking to Reuters, Nick Leeder, CEO of Google France, outlined that the company wants to establish partnerships between insurance companies and certain parts of its business, including Nest, which makes smoke detectors and smart thermostats.

He said Google has already established relationships with insurers such as Allianz and AXA, but that the company isn’t looking to get involved in the market directly.

Tech-focused insurance initiative gets new sponsors

The Insurance Digital Revolution [IDR], an industry initiative aimed at promoting the use of technology to better serve consumers, has six new sponsors. The Shipyard, Ask Kodiak, Liberty Mutual Insurance, Novarica, Safeco Insurance and Xanatek have all signed on, bringing the IDR’s list of sponsors to 12. The IDR was organized by the Agents Council for Technology of the Independent Insurance Agents & Brokers of America, together with ACORD User Groups Information Exchange and the Professional Insurance Agents organization. www.ibamag.com

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PEOPLE

INDUSTRY ICON

BRINGING IT ALL TOGETHER John Neal, CEO of QBE Group, discusses the transformation and unification of the global insurance giant WHEN ASKED to single out what he considers QBE’s greatest achievement since he assumed the top job, John Neal, CEO of the global insurance giant, doesn’t hesitate.

“I would say that QBE in 2016 is a far more focused business than it was four years ago,” he says. “While we boasted significant global reach, we were really a very federated business, each division operating largely geographically and independently of each other. I would say now, whether you talk to our customers, our brokers or our business partners, there’s a very strong understanding of QBE’s purpose, its vision, what it can stand for for its customers and how relevant we are in a global marketplace. And that’s a lot harder than it sounds – to actually get the business to think and behave and act as one company.”

It’s a business Neal described recently to investors as one that’s transformed into a “distinctive top 20” property & casualty insurer – one of only 15 companies, he says, that operates “truly globally.” In total, QBE wrote approximately $11.51 billion in premium worldwide in 2015.

Under Neal’s leadership, QBE has also substantially turned around the fortunes of its North American operations, realizing a profit last year. Its combined operating ratio has improved substantially in recent years as well, from 111.5% in 2013 to 99.2% in 2015.

But getting there wasn’t easy – Neal considers North America his greatest challenge as CEO.

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“I think the good news is that we’ve made really significant progress in that division, notably in returning it to underwriting profit, in particular building a meaningful US specialty business and really improving the quality of our leadership there,” he says.

Going forward, QBE will pursue significant opportunities it sees in the North American specialty market.

“The statistic that always amazes me is

we’ve developed and built.”

And where exactly do Neal and QBE see prime opportunities in specialty lines?

“We’re looking quite hard at professional liability. We’re looking at healthcare, marine, general aviation and classic specialty product sets,” he says. “And I think we’re adding value.

We’re adding to a marketplace that isn’t congested, where there is opportunity and brokers are looking for choice.

“Whether you talk to our customers, our brokers or our business partners, there’s a very strong understanding of QBE’s purpose, its vision, what it can stand for for its customers and how relevant we are in a global marketplace” that one dollar [of every] two dollars of the world’s gross written premium for commercial and specialty insurance is written in North America, Bermuda or London. It’s still that important,” Neal says. “The North American specialty market is worth between [$61 billion and $69 billion]. Even narrowing North America down, it’s still a vast place, and it’s not as complex as people think … but you’ve got to have the underwriting expertise, the claims expertise, the risk management capability to play in that market, all of which

“It’s not been easy to grow the business,” he continues, “but we had a five-year plan, and that five-year plan is in year four and is nicely on track with where we thought it would be.

So we’re excited. It’s a good place to be in North America at the moment.”

Emerging opportunities Twelve percent of QBE’s business is sourced from its emerging markets division, encompassing 22 countries across Latin America and Asia Pacific.

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PROFILE Name: John Neal Company: QBE Group Title: Group CEO Age: 52 Fast fact: Before taking on his current role, Neal served as QBE’s CEO of global underwriting operations

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PEOPLE

INDUSTRY ICON

“I think the good news for me, coming in as CEO, was that we’d been in some of the Asian markets for over 100 years,” Neal says.

“We’ve not had the complication of needing to acquire or buy into the markets, which is very expensive and very complex.

“What we did do was take a step back and say, ‘What geographies do we want to be in?

What products do we think we can sell? How do we distribute?’ And our base analysis that we undertook in 2012 was telling us that we were way under par in terms of who we were,

The right team Of course, before devising and executing any grand plans, an organization to ensure that it has the right people leading those endeavors.

But who are the ideal insurance employees today and in times ahead?

“I think we’re looking at well-qualified people that are coming into our industry – that probably wasn’t the case 10, 15, 20 years ago,” Neal says. “I think individuals … are a lot more data-oriented and data-literate, which I think is important for our business.”

“We’ve made really significant progress in the North America division, notably in returning it to underwriting profit, in particular building a meaningful US specialty business and really improving the quality of our leadership there” and therefore what our penetration should be, by anywhere between 20% and 25% of who we could be.”

However, there are still some emerging markets in those regions where QBE is working to grow its presence.

“In Asia, for example, our focus has been around Hong Kong, Singapore, Malaysia and Indonesia … particularly around commercial and specialty products, and also with some bank assurance leverage,” Neal says.

“Our sense is that we can maintain a healthy degree of performance profitability in that respect, and our intent is to see across the emerging markets if we can double the size of the business over a five- to seven-year period.

I say that without growth being the overarching objective. Getting the right margin’s the objective. But those markets certainly create greater opportunities for growth than developed markets.”

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He adds that broadening your horizons is key to remaining relevant and innovative in today’s insurance industry – and that’s something QBE is certainly willing to do when it comes to recruiting employees.

“We’re prepared to be a little bit disruptive to ourselves around the gene pool and say, ‘Let’s look at individuals who might not classically find themselves in the insurance space; let’s look at people who would’ve gone into Fintech to see if they’re a bit smarter in the way in which they develop technology solutions; let’s look at people who would’ve gone into the media route.

“And then when you get to data, we’ve got anything from a data scientist at one end of the spectrum to a statistician at the other.

They’re not classic insurance people, so we’re also trying to ensure that you’re getting different perspectives and diversity of thought and ideas coming into the business.”

QBE BY THE NUMBERS

130

The number of years since QBE began in Australia as the Northern Queensland Insurance Company, or QI

1973

The year in which QBE Insurance Group was listed on the Australian Stock Exchange, following the merger of three companies (including QI)

14,500

The approximate number of QBE employees around the world today

37

The number of countries across which the QBE Insurance Group operates, supplemented by a partner network that facilitates operations in more than 140 countries

$3.84 billion

Gross written premium of QBE’s North American operation in 2015

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FEATURES

COVER STORY: TOP PROGRAM ADMINISTRATORS

TOP

PROGRAM ADMINISTRATORS These 28 companies are leading the way for specialty niche products in the insurance industry SINCE 2010, program business in the US has almost doubled, going from $17.5 billion to $32.3 billion as of 2014, according to the latest State of Program Business Study by the Target Markets Program Administrators Association [TMPAA]. In fact, 82% of program administrators reported increases in premiums in 2014, and nearly one in five reported that their business increased by more than 25%, demonstrating the segment’s steadily growing presence in the insurance market.

Despite the challenges in program business, including suppressed pricing and increased competition, the segment continues to grow year-over-year. “The commercial program business is growing at twice the rate in terms of gross written premiums compared to the general commercial marketplace,” says David Springer, group

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president and COO of NIP Group, a New Jersey-based program administrator. “We are outpacing the general market, but there is still room for a fair amount of growth in the program space. It is really nice to outperform the market in that way, and going forward, I think program business will still outperform that market as a group.”

For the first time, IBA has assembled a guide to some of the country’s top program administrators, who provide insurance solutions to niche industries with tailored programs designed to meet their every risk management need. From specialists in construction and builder’s risk to firms offering coverage for psychotherapists and sports leagues, the following 28 companies are servicing the unique needs of a wide range of industries across the country.

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COMPANY NAME

PAGE

ALL RISKS

All Risks, Ltd.

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AmRisc, LLC

23

Headquarters: Hunt Valley, MD

AmWINS Group, Inc.

30

Year founded: 1964

Atlas General Insurance Services

34

Number of employees: 103

Bellingham Underwriters, Inc.

27

Leadership: Nicholas Cortezi, CEO; Matthew Nichols, president

Brownyard Group

31

Charity First Insurance Services, Inc.

33

Distinguished Programs

32

Encompass Risk Solutions, Inc.

28

Frenkel & Company

24

Glatfelter Insurance Group

35

International Excess Program Managers

30

Irwin Siegel Agency, Inc.

26

Izzo Insurance Services, Inc.

34

K&K Insurance Group, Inc.

25

Maritime Program Group, Inc.

32

McGowan Program Administrators

30

New Empire Group, Ltd.

26

NIP Group

26

Norman-Spencer Agency, Inc.

29

NSM Insurance Group

28

Risk Placement Services, Inc.

35

Safebuilt Insurance Services, Inc.

28

SterlingRisk

35

The Sullivan Group

24

Tokio Marine HCC – Specialty Group

32

US Assure

28

Willis Programs

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Since its formation in 1964, All Risks has expanded its product offerings and territory for 52 years. Led by Nicholas Cortezi, who took the reins as CEO in 1999, All Risks presently writes more than $1 billion in annual premiums and has already surpassed that amount in 2016. Offering a breadth of industry specialties, including programs for motorsports, mercantile, beauty salons, schools and more, All Risks services clients from 31 offices nationwide.

AMRISC Headquarters: Houston, TX Year founded: 2000 Leadership: R. Daniel Peed, president and CEO The South has certainly experienced its share of catastrophes this year, including Hurricane Hermine and floods throughout Texas and Louisiana, underlining the importance of program administrators like AmRisc. The underwriting manager and TMPAA Best Practice Designation holder focuses on the South, specializing in E&S commercial property CAT, which accounts for more than half of its annual premium volume. As Lloyd’s largest wind coverholder and program manager with various carriers, AmRisc has underwritten on behalf of Lloyd’s since its inception in 2000. The firm’s 66 underwriters average more than 18 years of industry experience.

“As a leading provider of wind capacity in the US, we are dedicated to providing a top-tier product in the specialty property lines, especially wind CAT and technical risks,” says president and CEO Dan Peed. “Our goal is twofold: one is to help producers meet the needs of the insured by providing them with a secure, unparalleled catastrophe insurance product; the second is to provide stability to an ever-changing insurance market.”

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FEATURES

COVER STORY: TOP PROGRAM ADMINISTRATORS

THE SULLIVAN GROUP Headquarters: Los Angeles, CA Year founded: 1933 Leadership: Jerry Sullivan, chairman; Hank Haldeman, executive vice president

FRENKEL & COMPANY Headquarters: New York, NY Programs division: Jersey City, NJ Year founded: 1878 Leadership: John F. Kelly, president and CEO; Kenneth C. Hegel Jr., SVP, programs division (pictured) For nearly a century and a half, Frenkel & Company has served as a full-service insurance brokerage and currently writes more than $1 billion in annual premium. One of the firm’s largest specialty programs is its professional liability program for psychoanalysts, which was established over 40 years ago in response to a psychoanalyst who mentioned the difficulty he faced in

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procuring medical malpractice insurance.

Frenkel took this as a call to action to put together its mental health professional liability program. Adapting to changing times, Frenkel has opened the program to offer insurance to not only psychiatrists, but also psychologists and social workers.

Frenkel’s other major program is cosmetic insurance, which the company acquired in 2001. It’s now the largest insurance program writing P&C insurance for the cosmetic and personal care industry and is endorsed by the Independent Cosmetic Manufacturers and Distributors Association.

“We have stood the test of time and continue to strive to bring new and innovative products to our customers,” says Kenneth Hegel Jr., SVP of Frenkel’s programs division. “Our service platform is extremely robust and puts the clients’ needs first above all.”

The Sullivan Group has been first in many things: The company first introduced D&O as a stand-alone coverage to healthcare organizations, and was among the first to offer billing E&O and embedded cyber/privacy coverage to physicians. It was also the first structured settlements consultant/ broker, and its staff created the first program to insure biotechnology.

The Sullivan Group started its specialty programs in the 1960s to manage hospital liability exposures.

By the 1970s, the D&O program for hospitals and healthcare providers was in place; it’s currently the longestrunning D&O program of any sort.

The company is also the largest writer for two other programs: D&O for community associations and a program for auto dismantlers.

To maintain its reputation as being first to market, one of Sullivan Group’s core strategies is new product development. The company focuses on risks directly affiliated with selected industries to ensure it has a thorough understanding of the market, working only with carriers that are established experts in these industries.

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K&K INSURANCE Headquarters: Fort Wayne, IN Year founded: 1952 Leadership: Todd Bixler, president and CEO For more than half a century, K&K Insurance has been “insuring the world’s fun” by providing a wide range of sports, leisure and entertainment insurance products. Created by motorsports enthusiasts Nord and Teddi Krauskopf in 1952 as a benevolent fund to provide accident medical

benefits to injured racecar drivers, K&K eventually leveraged its knowledge and experience of motorsports to create numerous specialty products for all aspects of that industry. Throughout the 1960s and '70s, K&K participated in a variety of racing events as a team owner/ sponsor, including winning NASCAR’s Grand National Championship in 1970, led

by Hall of Fame driver Bobby Isaac, and setting a closed-course world speed record in 1971 that remained for 13 years.

Over time, K&K expanded into leisure events that offered motorsports entertainment, such as fairs and festivals; eventually, the company grew to insure sports organizations and facilities, in addition to recreational organizations.

Today, K&K offers coverage for more than 70 programs in the sports, leisure, entertainment, recreation and motorsports industries.

Working with those industries is not without its unique challenges. “K&K relies on our underwriters, many with decades of experience writing niche program business, for their knowledge of industries that range from campgrounds to professional sports facilities, to accurately assess and quote specialty coverage based on the need of each client,” says president and CEO Todd Bixler. “And, when incidents do occur, K&K’s claims division is equally experienced in the resolution and defense of claims on our clients’ behalf. Our clients are the first priority at K&K.”

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FEATURES

COVER STORY: TOP PROGRAM ADMINISTRATORS NEW EMPIRE GROUP Headquarters: Long Beach, NY Year founded: 2002 Leadership: Robert E. Mackoul, CEO; Deborah K. Mackoul, president and COO New York’s real estate market has been in a stable growth period for several years, but it still is one of the busiest in the world – this fall alone, more than three dozen new developments will be hitting the market in the metro area.

As a program manager that specializes in the commercial real estate industry, New Empire Group caters to this fast-paced market, offering products and programs such as CondoPak, property managers E&O and a PRIME umbrella/excess program.

Established with the goal of serving

WILLIS PROGRAMS

the New York metro area, Robert Mackoul formed New Empire Group to hold a new $100 million umbrella created for the market. The firm was recently awarded with a TMPAA Best Practice Designation and is currently undergoing the process of building online portals to allow broker clients to rate, quote and even bind some of the coverages New Empire offers.

IRWIN SIEGEL AGENCY

Willis Programs has had a great year so far. Not only did the company appoint a new CEO, but it also partnered with the Association for Unmanned Vehicle Systems International to develop DroneGuard, an insurance program designed for the organization’s members.

Since introducing its ski program, MountainGuard, in 1962, Willis has developed and delivered insurance programs for more than 36 niche markets. Through the years, Willis has launched a variety of targeted programs, such as RecycleGuard for recyclers and DairyProtector for dairy farms.

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NIP GROUP Headquarters: Woodbridge, NJ

Headquarters: Portsmouth, NH Leadership: Stacy D. Brown, president and CEO

“With the portals and processes we have, we are trying to make the broker clients’ lives easier,” says CEO Robert Mackoul. “I do believe we are one of the premier program managers in the country as it relates to real estate, and our programs are built that way.

We have a long history with the carriers that we do business with, and we have a wonderful reputation within the industry.”

Headquarters: Rock Hill, NY Year founded: 1960 Leadership: Howard Siegel, CEO Irwin Siegel Agency [ISA] has spent the last five and a half decades focused on founder Irwin Siegel’s goal of “improving the quality of life for society’s most vulnerable members: our developmentally disabled.” ISA developed the first P&C insurance program designed for nonprofit organizations dedicated to individuals with disabilities. Today, the firm offers programs for a range of nonprofits, including youth programs, community action agencies, paratransit companies and more.

Year founded: 1990 Leadership: Richard Augustyn, founder and CEO; David Springer, group president and COO In response to a lack of available markets for arborists and landscape contractors, NIP Group established its first insurance programs, LandPro and TreePro, in 1990 to facilitate coverage for the unique risks faced by these professionals. The firm’s customer-focused approach has driven its success over the past 25 years, as evidenced by the expansion of its portfolio to 18 insurance programs. From plant growers to janitorial professionals, NIP Group’s programs division tailors industryspecific insurance solutions.

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Give your team a clear path to winning business!

BELLINGHAM UNDERWRITERS Headquarters: Bellingham, WA Year founded: 1997 Leadership: Kenneth Robinette, president Since 1997, Bellingham Underwriters has been known for providing insurance solutions to the transportation industry, which remains its largest program, amounting to 95% of total business and approximately $45 million in premiums. The company started as a branch office of a large MGA and was specifically built as a program management company to cater to clients in 10 Western states. It became independent in 2006, was acquired in 2015 and is now a division of a national insurance program administrator. An active member of the TMPAA, Bellingham was a recipient of the TMPAA Best Practice Designation this year.

“What generally separates [us] from other program administrators is our approach,” says president Kevin Robinette. “We have never administered a product that was not designed in our office.

We always start with an analysis of historic loss patterns, and then build a selection and rate model. The result is an approach not currently in use in the market, but also one that is more responsive to small operational differences.”

This year, Bellingham Underwriters is focusing on its ambulance and emergency vehicles program. Within six months of a carrier proposal, the Bellingham team created a new rating approach for the auto and medical malpractice lines, developed a proper weighting approach, drafted the rate and ruling filings, and incorporated new rating parameters into its automated systems.

The company anticipates it will write $10 million in premium in the first 12 months of the program.

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FEATURES

COVER STORY: TOP PROGRAM ADMINISTRATORS ENCOMPASS RISK SOLUTIONS Headquarters: Warminster, PA Year founded: 2012 Leadership: Jeff Maconaghy, president; Kevin Rettberg, COO Kevin Rettberg, COO of Encompass Risk Solutions, says program administration is in his company’s DNA. “I started working with specialty programs in 2002,” he explains. “I was asked to manage a large 24-state WC group. Upon

working with that group, I knew specialty programs were my calling.”

Focused on serving the transportation industry through risk management and insurance solutions, Rettberg mentions the challenging nature of workers’ compensation in the industry, especially when a driver becomes injured. “We need to work with injured employees, assist them though recovery and rehab, and prepare them to return to work in a timely fashion,” he says.

Encompass is on track to outperform last year’s results; the company’s transportation WC SIG program alone accounts for more than 15% of its business. “Everyone works together for a common goal, and that is to achieve long-term success,” Rettberg says.

NSM INSURANCE GROUP Headquarters: Conshohocken, PA Leadership: Geof McKernan, CEO; Bill McKernan, president NSM Insurance Group has been in the insurance industry for more than 25 years. Using their proprietary Program Development Model, NSM has been able to build programs for 19 different industries, including higher education, sports and wellness, residential and commercial builder’s risk, and more.

Today, NSM has more than 30,000 clients with a 90% retention rate and writes $500 million in annual premium.

SAFEBUILT INSURANCE SERVICES Headquarters: Carlsbad, CA Year founded: 2005 Leadership: David Pike, CEO

US ASSURE Headquarters: Jacksonville, FL Year founded: 1977 Leadership: Ty Petway, CEO

Headquartered in Northern Florida and specializing in builder’s risk, US Assure has been in the insurance business for the last 40 years. In 1977, the entity that is now known as US Assure purchased the right to a homebuilder’s insurance program. From there, the company’s understanding of the residential general contractor market grew, and throughout

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the years, US Assure has expanded its portfolio of construction products to include a “whole spectrum of coverage options, everything from residential builders to commercial contractors and everything in between,” says COO Ryan Schwartz. “We are unique because most carriers do not place builder’s risk in a programs model; they do it themselves. We are the only organization that we are aware of that is solely focused with over 100 dedicated personnel that do nothing but builder’s risk, so we truly understand that product and the complexity.”

US Assure has underwritten and serviced more than $20 billion in premiums. Their online proprietary platform has helped in that regard – agents and brokers are able to bind, quote and rate a builder’s risk policy online in just the matter of minutes.

Even during the construction boom of the mid-2000s, many contractors struggled find insurance coverage. In 2006, a year after Safebuilt Insurance Services [SIS] was formed, it launched the Preferred Contractors Insurance Company Risk Retention Group, targeted at large contractors with hard-to-place risks. Ten years later, the program has more than 50,000 members and covers 33 states.

The company has since shifted its focus to smaller contractors, adding two more contractors’ general liability programs to cater to artisan and remodel contractors.

SIS’ current strategy is to fully develop its online rating and policy management platform to give brokers and clients quick and easy access to its products.

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NORMANSPENCER AGENCY Headquarters: Dayton, OH Year founded: 1988 Leadership: Brian Norman, president

An insurance provider with a culture of caring, Norman-Spencer Agency has offered property & casualty insurance services to the construction, marine, transportation and specialty areas since the 1980s; today, the company writes in excess of $200 million in annual P&C premium.

Living up to its motto – “It’s not random acts of caring; it’s our culture” – NormanSpencer created a nonprofit called NS Cares where employees volunteer for many types of events during the course of

the year while also raising funds for both regional and national causes. This year, NS Cares donated more than 100,000 meals to the 10 communities where the company has offices. This September, the company partnered with Outreach and the Dayton Food Bank to feed people in the Dayton and Cincinnati areas. In addition, NormanSpencer hosts an annual charity golf event and a 5K walk/run. In the two years since NS Cares was established, the company has raised more than $200,000 for charity.

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FEATURES

COVER STORY: TOP PROGRAM ADMINISTRATORS MCGOWAN PROGRAM ADMINISTRATORS Headquarters: Fairview Park, OH Leadership: Thomas B. McGowan IV, president and CEO Since the mid-1950s, McGowan Program Administrators [MPA] has been writing affinity business for a diverse range of industries, including real estate, hospitality, lodging and gaming, and senior care. MPA also offers a product for community associations and even active shooter insurance so businesses can maintain a secure environment in the event of a hostile situation.

INTERNATIONAL EXCESS PROGRAM MANAGERS Headquarters: Beachwood, OH Year founded: 1998 Leadership: Marc Pender, president and COO; Joy LaFrance, CUO and president of programs International Excess Program Managers offers a number of programs that include underwriting services, rating structures, policy issuance and regulatory compliance. Since the company was established, its largest program has been for the courier/logistics industry. Despite the volatility of this market, International Excess Program Managers has shown a track record of high performance. The company’s nationwide reach has allowed it real-time access to feedback, and its ability to identify trends has helped it adjust quickly to market changes and maintain profitability.

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AMWINS GROUP Headquarters: Charlotte, NC Year founded: 1998 Leadership: M. Steven DeCarlo, CEO With more than 3,600 employees across 17 countries in 98 locations, 80 of which are located in the US, AmWINS Group has

provided a wide range of insurance products for nearly two decades.

AmWINS Underwriting, a division of AmWINS Group, offers retail agents a wide range of P&C programs catered to specific industries and business types.

The 11 companies that make up AmWINS Underwriting each have a focused expertise in a variety of industry niches, including transportation, maritime, real estate and more. Today, the firm places an excess of $11.1 billion in premiums and receives more than 675,000 submissions a year from retail insurance agents from coast to coast.

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Headquarters: Bay Shore, NY Year founded: 1950 Leadership: Bryan Brownyard, chairman; Brendan Brownyard, CEO; Tory Brownyard, president

When William H. Brownyard realized that the liability coverage offered to his security business clients wasn’t addressing their specific insurance needs, he pioneered a specialized insurance program aimed to meet the needs of security professionals – thus creating Brownguard, the firm’s program specifically for security professionals.

“There are many challenges in this class of business, but the most important is getting a clear picture of the types of clients the security firms are servicing,” says Tory Brownyard, president of WH Brownyard Corp. and program manager of Brownguard. “There is a large difference in the amount of risk assumed by security officers protecting an industrial plant after hours and the risks of servicing a concert venue during events. It is also important to track your loss experience and identify industries and settings that are becoming increasingly high-profile, as we have recently identified with hospitals and other healthcare facilities.”

Over the years, Brownyard has responded to market needs by developing new programs for other industries, including PIprotect for private investigators and PCOpro for pest control operators, as well as GroundCover for landscapers, among many others.

“Throughout the 60-plus years of handling specialty insurance and expanding our business into new industries, Brownyard Group has remained committed to providing the highest-quality insurance product with coverages that are necessary and relevant to the industries that we serve,” Brownyard says.

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FEATURES

COVER STORY: TOP PROGRAM ADMINISTRATORS TOKIO MARINE HCC – SPECIALTY GROUP Headquarters: Wakefield, MA Year founded: 1982 Leadership: William F. Hubbard, president and CEO First established as ASU International in 1982 as a specialist in nontraditional disability insurance products for professional athletes, entertainers and high-profile individuals, Tokio Marine HCC – Specialty Group continues to provide specialized insurance products to the sports and entertainment industries.

When it was founded, the company’s largest contracts were $1 million; today, they often exceed $250 million.

MARITIME PROGRAM GROUP Headquarters: Westbrook, CT Year founded: 1991 Leadership: Christopher Pesce, president Maritime Program Group’s slogan, “coverage in motion,” sums up the company’s expertise in insuring marine risks, as well as its commitment to ensuring that its solutions evolve with the market's needs. MPG was founded when AIG decided to exit the middlemarket marine business in the early 1990s, leaving the door open for MPG to consolidate those small accounts into a new program group. MPG enhances its

DISTINGUISHED PROGRAMS Headquarters: New York, NY Year founded: 1999 Leadership: Andy Potash, founder and chairman; Jeremy Hitzig, CEO; Carla Vel, president and COO (pictured)

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industry expertise by recruiting underwriters with a marine background and teaching them the insurance side of the business.

The company was the first in the US to offer an online rating tool for boats and yachts, and over the years, MPG has diversified its portfolio to expand into other classes of business; it was awarded with a TMPAA Best Practice Designation this year.

“The combination of the additional offerings, as well as a constant focus on expanding our retail distribution, has fueled our growth in recent years and will continue to in the years to come,” says MPG president Christopher Pesce. “I believe the insurance industry is on the leading edge of an evolution in how we conduct business.

The tremendous investment into startup technology companies that are focused on insurance will be impactful and make lasting change that will affect all levels of distribution, including program administrators.”

Distinguished Programs is a national insurance program manager that provides specialized products in four key areas of expertise: real estate, community associations, cultural institutions and hospitality.

Andy Potash founded Distinguished with the goal of finding smarter and better ways to meet customers’ needs.

Even before its founding, Distinguished formed the country’s first real estate umbrella purchasing group. Today, the company continues to offer high-limit programs for real estate and its other core industries, and was recently awarded a TMPAA Best Practice Designation.

“We started with programs in the commercial real estate space, and through organic and acquisition growth, expanded to hospitality and museums,” explains president and COO Carla Vel. “We developed skills and expertise in both small and large accounts and built strong carrier and broker relationships. We have smart, creative and committed people on our Distinguished team. They are our secret sauce, and we could not possibly have achieved our success without them.”

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CHARITY FIRST INSURANCE SERVICES Headquarters: San Francisco, CA Year founded: 1985 Leadership: Riley Binford, executive vice president

More than three decades ago, Charity First started as a small book of nonprofit accounts built by an individual broker working with a single carrier. Through the years, the company has grown significantly – Charity First has two offices, more than 5,000 agents and brokers, and multiple carriers contributing to its offerings, which cater primarily to nonprofits and social service agencies.

Their expert staff addresses their special exposures and coverage needs, such as cases of abuse or molestation and E&O for counseling and other professions.

As a program administrator to these unique segments, Charity First provides

agency customers with “stability and a long-term commitment that we are here for you and your insured today and into the future,” says EVP Riley Binford. “Retail brokers across the country value our responsiveness, experienced underwriting, consistent service, and broad range of safety and loss prevention resources.”

Noting that nonprofits often have a wide variety of operations, Charity First is quick to meet the ever-changing needs of the communities it works in. The company also offers programs for religious institutions and organizations with hard-to-place risks, as well as a business owner's program that caters to for-profit firms.

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FEATURES

COVER STORY: TOP PROGRAM ADMINISTRATORS IZZO INSURANCE SERVICES Headquarters: Bloomingdale, IL Year founded: 1980 Leadership: Karen J. Izzo, president Izzo Insurance Services has 35 years of experience in the security industry, growing out of Karen Izzo’s retail book of security business. Izzo is the only program agency in the country with four exclusive workers’ compensation carriers for the security industry. Its top program, Gold Shield Advantage, was launched in 1991 as a monoline workers’ compensation program for the security industry. Two years later, the company developed a comprehensive general liability program, then added fidelity bonds and employment practices liability in 1995. Today, the company has a security guard, alarm and investigative program for all lines of business, providing retail agents with comprehensive coverage checklists to allow them to address the needs of security clients.

ATLAS GENERAL INSURANCE SERVICES Headquarters: San Diego, CA Year founded: 2009 Leadership: Bill Trzos, president and CEO Established in 2009, Atlas General Insurance Services began with a niche focus on California workers’ compensation. The company has grown strategically over the past seven years, becoming a national enterprise across numerous territories and diversifying its portfolio of product offerings. Atlas now offers a broad commercial products line, as well as a division dedicated to specialty property needs.

While Atlas’ workers’ comp coverage has grown to include a wide range of industries through their exclusive partnership with Falls Lake Insurance Companies, the company is also focused on growing through the cultivation of its commercial division. Atlas remains dedicated to strengthening its diverse product offerings through the creation of exclusive programs with carrier partners while maintaining excellent service standards.

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STERLINGRISK Headquarters: Woodbury, NY Year founded: 1932 Leadership: David Sterling, chairman and CEO New York-based SterlingRisk has been servicing regional, national and international clients since the 1930s.

SterlingRisk’s programs division is dedicated to providing insurance solutions for 12 different industry groups, including aviation, health and human services, real estate, and musicians and entertainers, among others. SterlingRisk was awarded with a TMPAA Best Practice Designation for 2016.

GLATFELTER INSURANCE GROUP Headquarters: York, PA Year founded: 1951

RISK PLACEMENT SERVICES Headquarters: Itasca, IL Year founded: 1997 Leadership: Joel Cavaness, president

Its position as a national wholesale brokerage and one of the largest MGAs in the country gives Risk Placement Services the capacity to access specialty markets and develop unique custom programs. As a top program administrator, RPS offers services and support well after binding

coverage. Its largest programs include National Insurance Professionals Corporation (for social-service agencies, bicycle manufacturers, ski dealers and more), Protected Self Insurance (for educational institutions and nonprofit organizations), Plus Companies (for insurance brokers, lawyers, and title and escrow agents), Monument (self-insured workers’ compensation programs), and Bollinger Sports & Leisure.

The latter has been in business for more than 60 years, catering to amateur sports organizations. In April, RPS Bollinger’s area president, Lori Windolf Crispo, participated as panelist for the TMPAA’s Town Hall Meeting, where she spoke about the successful programs RPS had created and the lessons learned from challenges along the way.

Leadership: Anthony P. Campisi, president and CEO Founded by Arthur J. Glatfelter in 1951 in southern Pennsylvania, Glatfelter Insurance Group has spent decades building specialty programs for various industries.

In 1968, Glatfelter discovered the underserved market of emergency service organizations and created VFIS to provide insurance, education and consulting services to that industry. In the years that followed, the company also formed Glatfelter Public Practice, a program for schools and colleges; Glatfelter Healthcare Practice for healthcare providers; and Glatfelter Religious Practice, which offers insurance services to religious organizations, regardless of denomination or creed.

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SPONSORED FEATURE

AGENCY MANAGEMENT SYSTEMS

Keep it simple, stupid Is a too-complicated agency management system hindering your business growth? Brett Burchett explains why the simplest systems are the best ones I’M SURE we’ve all dealt with overcomplicated legacy systems where it takes years of training to understand even a small portion of their workflow. These outdated systems are a drain on both time and money, and they sometimes feel like they weren’t even designed with humans in mind.

KISS – also known as ‘keep it simple, stupid’ – is something we have all heard at some point throughout our lives without ever thinking twice about its true genius.

The acronym is credited to a man named Kelly Johnson, who worked for Lockheed Martin in the mid-1900s. Johnson set aside a few common tools and tasked his engineering team with designing an aircraft that could be repaired by an average mechanic using just those tools. In other words, he told them to design the product with the end user in mind. This seemingly obvious concept is so often – and perhaps purposely – overlooked in product design because it’s the more difficult path.

Eighty percent of commercial lines business flows through independent agents, yet the word ‘simple’ is the last thing most agents think of when facing the daunting task of managing commercial lines. While personal lines workflows enjoy a relatively well defined standard for almost all aspects of the process, the same cannot be said for commercial lines.

Many agencies are chained to oversized, archaic, complicated and expensive solutions to run their agency because they think it’s their only option. Ask yourself: How much of your agency management system do you actually use? Legacy systems are so bloated with outdated features used by probably less than 1% of agencies, while the remaining

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99% end up subsidizing those features that provide zero benefit to them.

The good news is that modern technology vendors are taking a more innovative approach to help demystify the commercial lines workflow. Let’s take a deeper dive into why ‘keep it simple, stupid’ boils down to a few basic principles when evaluating a fullcircle agency solution.

Track your pipeline Selling new commercial lines business can be time-intensive, with information often spread across multiple channels. Prospects are touched by multiple people in your agency, so it’s all too easy for tasks to be duplicated and communication to be repeated. It is essential that you have a well defined process for working new leads and processing them through the sales pipe-

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line, and you need the tools to help your agency collaborate and stay organized.

A first impression can go a long way, and a solid, mobile-optimized agency website with direct integration to your management system is the first step toward helping grow your business. However, don’t forget that your website requires a local marketing strategy for effective search engine optimization [SEO].

It’s important to realize that an independent agent cannot compete nationwide against large insurance comparison websites or carrier websites for broad search phrases like ‘insurance,’ but they’ll always have an advantage at the local level – e.g. ‘business insurance agents near Dallas, TX.’ Being a local, reachable agent is one of your greatest strategic advantages in this industry, and Google has made a concerted effort to favor locally focused businesses in their search results.

Now that you have made a great first impression, you need to get them through the door. Lead generation is a perfect fit for the KISS mantra – the simpler it is for a consumer to let you know they’re interested in shopping for insurance, the more leads you’re going to receive. Make them fill out 50 pages of forms just to submit an inquiry, or bury your contact details somewhere on your website that requires a dozen different mouse clicks to find, and you can KISS those leads goodbye. When it comes to the web, it’s all about the path of least resistance. Spend 30 minutes trying to navigate a convoluted website, or simply click ‘back’ and try the next listing on Google – which path do you think most consumers take?

Manage submissions Speed and accuracy of data are king when it comes to managing commercial submissions.

In a typical agency management system, each activity is a separate, ongoing activity. This opens the door for confusion, missed tasks and eventually losing the business. Your next solution should enable you to streamline all of this into one relevant thread, turning a single event into a multitasking collaboration tool, tracking all activity together.

Let’s take a look at a real-world example.

A producer receives a new task, automatically generated from your website, from a prospect inquiring about adding a workers’ comp policy.

The producer quickly calls the prospect to gather basic information and creates a series of tasks for follow-up. The service team picks up the assigned tasks and generates the ACORD applications based on the latest details. From there, they generate custom agency forms to gather agency-specific data such as questionnaires. Now the producer submits the applications to their markets and tracks the back-andforth communication with the underwriters in the same thread. A proposal is then generated based on the application details and sent to the prospect for signing through an integrated

agency’s and carrier’s value proposition. Each insured should be analyzed at both the account and policy level, providing the agency the tools to treat your mutual customers as people rather than a collection of policies.

Customer self-service Consumers require 24/7 access now more than ever, and staying competitive means you must have an omni-channel approach within your agency solution. Modern systems include robust communication tools for agencies to reach their customers however they want to

Many agencies are chained to oversized, archaic, complicated and expensive solutions because they think it’s their only option e-signature tool. Once the policy is issued, one click should move all relevant details to the policy for servicing.

Policy issuance and service Servicing commercial accounts can be a costly endeavor for many agencies. Giving your clients and potential customers the attention they need and deserve is how you separate yourself from your competition. A happy customer is more likely to refer you to their friends, so why hinder organic business opportunities?

Commercial policy downloads are a lovehate relationship for most independent agents because of the inconsistent results. Data integrity is a priority, and modern systems handle both downloads and manual entry of policy data. A good starting point is how closely the solution follows ACORD standards, and then expands on that using agency form templates.

These types of systems allow agencies to maintain strict standards, yet still be proactive with any situation outside the norm.

How many agencies still have to print out two dec pages: one for their internal policy details and another for the download? I suspect far too many either answer yes to that question, or respond that they don’t double-check the download data. Your agency system should allow you to easily compare two iterations of a policy so that agents can proactively communicate their recommendations, reinforcing the

be reached. Do they prefer texting or email?

Would they rather physically sign a piece of paper or sign a document electronically? Your agency management system should be able to easily handle this. Another expectation of 24/7 access is having an integrated service portal on your agency website, and it’s one of the biggest value-adds modern cloud solutions have over legacy systems. An online agency portal must include accurate policy information, document access, access to insurance ID cards, and the ability to submit change requests to adjust deductibles or policy limits.

The creation and distribution of certificates is one of the biggest hits to your daily productivity. A powerful agency solution should offer things like bulk distribution, renewal management and online access. Additionally, trusted commercial insureds should have the ability to issue their own Certificates of Insurance under certain scenarios.

So what’s the bottom line?

It’s time to change our approach to how we choose an agency solutions vendor. Gone are the days when agents had very little choice on which system to use, and agents are finally realizing who holds the purse strings. Don’t settle for a solution that doesn’t focus on keeping things simple and efficient for the end user.

Bottom line? Your agency solutions vendor works for you, so don’t let them forget it.

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FEATURES

CYBER LIABILITY

The new cyber reality

As cyber criminals get increasingly sophisticated, the need for businesses to have comprehensive cyber coverage is more important than ever. Here’s everything brokers need to know A CYBERATTACK or data breach can have catastrophic consequences for a company of any size. Organizations that refuse to face up to their cyber exposures are taking fundamental risks with the health of their business on a daily basis.

“Cyber breaches can be devastating for small companies all the way up to the world’s very largest institutions,” says Pascal

Millaire, vice president of cyber insurance at Symantec. “Around 60% of small businesses that suffer a material cyber breach will close within six months – for small businesses, this is life or death. And for the very largest enterprises, the costs can be tremendous. The Target breach was estimated to cost around $300 million. Cyberattacks have become potential solvency events for enterprises,

HOW MUCH DOES CYBERCRIME COST PER INDUSTRY? Financial services $28.33 million

Retail $11.96 million

Energy and utilities $27.62 million

Education and research $11.41 million

Defense and aerospace $23.18 million

Industrial $11.02 million

Technology $16.45 million

Healthcare $9.78 million

Communications $14.9 million

Public sector $9.37 million

Services $12.93 million

Consumer products $8.68 million

Transportation $12.08 million

Hospitality $8.23 million Source: Statista 2015

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which is contributing to a rush of companies buying cyber insurance coverage.”

Popular methods of attack To mitigate the myriad risks associated with a cyberattack, brokers have an important role to play in providing their clients with cyber policies that cover their specific requirements and business operations. But they also need to educate clients about some of the ways that modern cyber criminals are infiltrating organizations’ systems and data.

One popular method is psychological manipulation, also known as social engineering. Although this method of manipulation is nothing new, targeting the user rather than the computer itself is proving to be very effective for cyber criminals. Increasing numbers of criminals are playing on the universal human traits of fear, trust and conformity to get access to the systems and information they want, all without hacking into a system or cracking a code or password.

“Oftentimes social engineering is about gathering information about an individual to gain access to their email or other online usernames and passwords,” explains Jeremy Barnett, senior vice president of marketing at NAS Insurance Services. “If a cyber criminal can get the login details to a company execu-

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Policy protection

tive’s email address, they can send out emails to other company figures from that account, either requesting sensitive information or asking them to send wire transfers of behalf of the company. In many cases, the employee receiving that email will think the request is legitimate and transfer the funds.”

Another technique popular among cyber criminals is called phishing. The criminal obtains the basic structure of an organization’s email addresses and then gets a list of names of company employees from either LinkedIn or the company’s own website. The cyber criminal then sends out repetitive emails – from what appear to be legitimate email addresses – in the hope that someone will click on a link inserted in the email.

“That link can send them to a webpage with a form that asks them to provide personal information, or it can include a ransomware file attachment that activates when down-

There are two main types of cyber insurance policies. The first is a cyber, data and liability policy, which covers costs associated with the breach of confidential data, including firstand third-party costs, incident response, client communications, legal costs and class-action lawsuits.

“The second type of policy – which is becoming increasingly popular - is the business interruption policy, which covers loss of revenues in the event of a business not being able to transact as a consequence of a cyber event,” Millaire says. “Organizations should seriously consider cyber insurance as a part of a comprehensive risk management strategy in the same way that they would consider other major lines of insurance.”

Cybercrime is on the rise, and according to Millaire, the threat landscape is getting more and more worrying every year. Symantec has seen reported cyberattacks go from 493,000 in 2014 to 1.1 million in 2015. On the mobile side, there has been a 214% increase, from 168 new mobile vulnerabilities in 2014 to 528 in 2015.

“Malware is running rampant,” Millaire says. “In terms of total payouts on ransomware, we’re seeing a 40 times increase in the total ransom payments this quarter versus 12 months ago. This increase shows no signs of abating, as cyber criminals take advantage of the opportunities that sit in front of them.

“Cyberattacks have become potential solvency events for enterprises, which is contributing to a rush of companies buying cyber coverage” Pascal Millaire, Symantec loaded,” Barnett says. “That file will encrypt the files on the user’s computer and only unencrypt them when a ransom is paid into the criminal’s bank account.”

The answer is comprehensive risk management that includes the purchase of cybersecurity products and the serious consideration of cyber insurance products.”

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30/09/2016 3:28:10 AM

FEATURES

CYBER LIABILITY

TOP 10 STATES FOR CYBERCRIME California $195.49 million Florida $94.53 million Texas $62.98 million New York $58.08 million Illinois $33.26 million Washington $27.64 million Pennsylvania $26.2 million West Virginia $23.35 million New Jersey $21.33 million Michigan $20.59 million Source: United States; 2015; Reported to the IC3

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The broker’s role With the cyber insurance space experiencing exponential growth, it’s a no-brainer for brokers to become educated on the intricacies of this market. “In order to become well informed, brokers need to stay up-to-date with carriers’ cyber policies, because there are always updates on what these policies cover,” Barnett says. “They should also spend time with their clients, discussing risks and getting information about the type of data they store, the systems they use and the training they are providing to staff.”

The role of risk management is closely tied into providing sufficient cyber coverage and

to worry, but that’s like going out into a snowstorm with a jacket on but forgetting your pants and undershirt. You need your jacket, but you also need other layers.”

No organization wants to be out in that snowstorm unprotected – and given the unprecedented amount of malware threats that currently exist, embracing a layered approach to cybersecurity has never been more important. “As far as malicious emails and malicious web-based traffic is concerned, we’ve seen a quarter-over-quarter increase for the past six quarters,” Gill says. “It’s such a hotbed of activity – there is just so much money to be made.”

“An organization that has antivirus software may think they don’t have to worry, but that’s like going out into a snowstorm with a jacket on but forgetting your pants and undershirt” Troy Gill, AppRiver protection, and brokers have a role to play in educating companies and employees on things to look out for – but before they can do that, brokers need to become experts in cyber risks and products.

“For brokers to get smarter, asking for information from their carriers, attending industry conferences and reading industry publications is a must,” Barnett says. “Get firsthand information from carriers, understand what they’re offering and why, and understand exactly what risks [your] clients have.”

Online security solutions and software applications are crucial as well. Spam filtering, endpoint antivirus tools and web protection software all play separate roles in an important line of defense. “Effective cyber security has to be layered,” says Troy Gill, manager of security research at AppRiver. “An organization that has antivirus software on all of their machines may think they don’t have

CryptoLocker is one particular type of ransomware that has been impacting businesses across the US recently. “Depending on the files that are affected, it can cause business interruption that can cripple an organization,” Gill says. “Recently, there was a hospital that paid $17,000 to a hacker because they were caught in a pinch and desperately needed access to the files that had been locked.”

Despite growing awareness around the impacts of cybercrime, Gill still sees a reluctance among smaller companies to purchase effective cybersecurity tools. “When personal data is stolen, it can cause a great deal of damage to a client, and that will impact how much they trust the organization,” he says.

“On top of that, there can be costly fines, lawsuits and regulatory action. For a small or medium-sized business, it really can be crippling. Nowadays, you just have to protect your gateway and have strong firewalls.”

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30/09/2016 3:28:22 AM

FEATURES

MEDICAL PROFESSIONAL LIABILITY

Good medicine What do producers need to know before diving into the field of medical malpractice liability? Insurance Business America caught up with two experts to find out about the intricacies of the space and the importance of becoming a specialist

IN PROVIDING physicians and surgeons with protection in the case of malpractice, medical professional liability policies play an integral role in the US healthcare system.

Medical professional liability typically insures a physician or surgeon against any bodily injury or damage that is caused to a patient during the rendering of, or failure to render, medical professional services. Unlike typical errors & omissions policies, which insure a financial loss component, medical malpractice liability is more focused on physical harm and long-term disability.

“One of the most common causes of legal action we see is failure to diagnose, whether that’s lung cancer, breast cancer or any type of harmful disease,” explains Jim Baldyga, VP and medical professional leader at General Star Management Co. “We also see many claims after complications in surgery, or if surgery does not have the impact a patient envisaged – for example, an orthopedic patient who has surgery for back pain, but finds that the pain is not alleviated.”

Claims made against plastic surgeons by unsatisfied clients are also common.

Obstetricians are vulnerable as well if a complication during the birthing process leads to the baby being affected by cerebral palsy or the mother suffering a physical injury or death. “All of these situations are covered by

42

medical professional liability,” Baldyga says.

There are myriad risks for any physician or surgeon who does not have modern, comprehensive medical professional liability coverage in place. Having to face a lawsuit with inadequate coverage, or a policy with coverage gaps, could be catastrophic.

“The good thing about buying an insurance policy is that you’re also buying a defense – if somebody dies during surgery, you’ll be provided with a legal defense,” Baldyga says.

“If there is an indemnity loss, or if there needs to be a settlement or liability, that will also be covered. If the insurance company feels that there is no reason to settle, the suit may go to

case in Chicago where we ended up paying $400,000 to defend a policyholder,” Baldyga says. “He eventually got let out of the case, so we paid no indemnity, but it did result in $400,000 in legal expenses. That’s unusual, but it does happen.”

Specialist knowledge The language in a medical malpractice policy is fairly standard, and the coverage is generally broad. While there are exclusions, policies have tended to be standardized over time. However, that doesn’t take away from the complexity of the medical malpractice space. “It’s a specialist space that, for many

“It’s a specialist space that, for many brokers, is their only professional focus. To be successful in this space, brokers need to know all the ins and outs of the business” Jim Baldyga, General Star Management Co. trial, and those expenses are covered, too.”

Baldyga notes that most doctors buy $1 million worth of medical professional liability, which also includes an unlimited legal defense clause. “We had a recent

brokers, is their only professional focus,” Baldyga says. “To be successful in this space, brokers need to know all of the ins and outs of the business.”

Medical malpractice laws and insurance

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vary by jurisdiction, so brokers working in this arena must have a strong knowledge of each state’s requirements if they want to service clients across the country.

An important aspect of this informationgathering is to find out the medical malpractice limits physicians typically carry in each state, which states have a cap on damages and what impact that may have.

“In the state of Indiana, for example, if a physician were to enroll in the Indiana Patient Compensation Fund, the physician’s damages are capped in the event of a malpractice claim,” explains Matt Anderson, senior vice president of medical professional liability at RT Specialty. “Even if a jury awards a family $6 million in a medical malpractice case, the judge would have to cap the amount of damages to an amount that would be substantially less. Having that sort of knowledge is one way that brokers

can differentiate themselves, especially when dealing with multi-state exposure.”

Innovations in technology, and specifically telemedicine and telehealth, are also forcing brokers to increase their knowledge of countrywide legislation. “Telehealth enables a physician in Florida to have a conference with a patient in Illinois over the internet,” Anderson says. “The physician is able to diagnose x-rays and imaging scans and then provide the patient with guidance.

The concept has forced brokers to familiarize themselves with each state’s medical insurance requirements and guidelines in order to provide coverage.”

Prior to working in the medical malpractice side of the business, Anderson operated as a retail agent focusing on lawyers’ professional liability. But when he decided to become a wholesaler, he wanted to focus on medical malpractice. “Concentrating on one area gives

AVERAGE MEDICAL MALPRACTICE PAYMENT AMOUNTS Quadriplegic, brain damage, life care Major permanent injury Significant permanent injury

$944,644

Death

$355,231

$574,344 $426,918

Minor permanent injury Major temporary injury

$231,377 $198,587 $130,860

Not determined

$104,892

Emotional injury

$76,056

Minor temporary injury

$33,696

Insignificant injury $0

$200k

$400k

$600k

$800k

Source: Diederich Healthcare, 2015

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$1m

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FEATURES

MEDICAL PROFESSIONAL LIABILITY

a wholesale broker the ability to differentiate himself or herself and succeed,” Anderson says. “It allows you to become great at one thing and keep your finger on the pulse of the industry. It enables you to get a sense of where the market is going in terms of coverage and price. A generalist broker may be good at a lot of things, but a broker focused on a particular area can choose to be great at one.”

Standing out from the competition For brokers who do want to focus on the medical malpractice space, the policy form is of utmost importance. Carriers are now throwing sublimited coverage onto policies for HIPAA violations, Medicare and Medicaid audits, medical billings and E&O, and brokers are expected to keep on top of a carrier’s updates.

“A broker who knows how the regulatory climate pertains to malpractice is

at an advantage because the landscape is changing, especially now that we have electronic medical records and an uptick in medical audits,” Anderson says. “Having a strong understanding of regulatory features and their impacts is very important because there are so many markets today writing this coverage. I work with over 30 carriers who will write medical malpractice coverage in some capacity. Being able to keep up with 30 insurance companies’ underwriting appetites

“A broker who knows how the regulatory climate pertains to malpractice is at an advantage because the landscape is changing, especially now that we have electronic medical records and an uptick in medical audits” Matt Anderson, RT Specialty

STATES WITH MEDICAL MALPRACTICE DAMAGE CAPS There are currently 33 states that impose caps on damages in medical malpractice lawsuits, ranging from $250,000 to $2.25 million.

Caps medical malpractice damages

Does not cap damages

Source: Medical Malpractice Center

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and policy forms would be difficult for any broker simply dabbling in this area.”

The biggest challenge for brokers working in today’s medical professional liability industry is competition. There are many markets willing to write physician medical malpractice, whether in the surplus lines non-admitted arena or the admitted standard market, but due to increased consolidation in healthcare, there are fewer insureds buying coverage.

“There seem to be more brokers than there

are insureds wanting to buy the coverage,” Anderson says. “Competition has also driven down premiums, so brokers are working as hard, if not harder, for less commission.”

In response to the saturated nature of the market, Anderson advises brokers to focus on practice specialties that are insulated from mergers and acquisitions of hospitals, health systems and other physician groups.

“I have worked in the locum tenens physician contract staffing world and had lots of success,” he says. “With hospitals being short-staffed of doctors, healthcare organizations are relying on third-party providers to staff the hospital. Insuring those staff locum tenens accounts has been successful because they’re not going to be purchased by a hospital or large healthcare system.

Healthcare for those who are incarcerated is an area that I’ve also had a great deal of success with because it’s also insulated – hospitals are not going to be getting into that space and insuring the business.”

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RTspecialty.com R-T Specialty, LLC (RT), a subsidiary of Ryan Specialty Group, LLC, provides wholesale brokerage and other services to agents and brokers. RT is a Delaware limited liability company based in Illinois. As a whole wholesale broker, RT does not solicit insurance from the public. Some products may only be available in certain states, and some products may only be available from surplus lines insurers. In California: R-T Specialty Insurance Services, LLC License #0G97516. Š 2016 Ryan Specialty Group, LLC www.ibamag.com 45

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FEATURES

AGENCY INSIGHT

Rutherfoord, a Marsh & McLennan Agency Rutherfoord’s president John Stanchina, COO Kim Enochs and executive vice president Guy Morrison talk with IBA about the benefits of being part of a global insurance powerhouse with a local touch IBA: Tell us a little bit about Rutherfoord/Marsh & McLennan Agency.

John Stanchina: This is actually the 100th anniversary of Rutherfoord, which started in Roanoke, Virginia. We have third- and fourth-generation descendants of the founders still involved in leadership and working in the business today. By the time we sold to Marsh & McLennan Agency [MMA] in March 2010, Rutherfoord was an $81 million diversified broker, operating from nine locations in the Mid-Atlantic and Southeastern United States. We even had an international operation.

Rutherfoord was the third acquisition

by MMA. Today, MMA has over 4,000 colleagues operating from more than 70 locations throughout the United States. The Rutherfoord acquisition in 2010 actually created what is called the Mid-Atlantic hub, which today is a partnership of 10 agencies with over 600 employees generating over $150 million from 17 locations.

IBA: What is your agency doing to grow talent?

Kim Enochs: This is a strategic initiative and strong area of focus for us. It is something we are very passionate about. We not only want to attract new talent, but we also want to develop and retain the talent we have.

We launched a new program called GROW, which stands for Growth in Relationships and Opportunities for our Workforce. A large part of the initiative is a

46

mentoring program where individuals are paired with mentors so they can grow their careers. There are also two key focus areas within GROW – our Women’s Initiative and Rising Professionals.

We also have a well-being program in place, which focuses our colleagues on five key areas: career well-being, social wellbeing, financial well-being, physical wellbeing and community well-being. As we move our organization forward, we try to ensure there are initiatives and learning activities under each of these key areas so that our colleagues are truly focusing on their overall well-being. We believe if we take care of our colleagues and they take care of themselves, they will take care of our clients, and that is very important to us.

IBA: Can you tell us more about your community involvement?

KE: Collectively as a company, we all participate in the United Way campaign. Another effort occurs every Friday called Jeans for Charity. Our colleagues nominate charities and can pay to wear jeans on Fridays.

The proceeds go to a different charity every week. Each office has a charitable giving committee that puts together a calendar stating which organization will benefit each week. Our company also provides eight hours of community service time off to further encourage community involvement.

IBA: What makes Rutherfoord/MMA stand out in the middle-market sector?

JS: The middle market is different from jumbo companies. The owners are sophisticated buyers, but they typically don’t have a risk management staff, and that means they don’t have the resources that jumbo companies have internally. They can’t necessarily do all the data analytics with all the technology and tools needed to support their own analysis of their various insurance programs, whether it’s benefits or insurance and risk management.

One of the big advantages of MMA is that we have built and invested in the people and the technologies and processes to deliver these analytics and technolog-

MORE ABOUT MARSH & MCLENNAN AGENCY Founded in 2009 as a wholly owned subsidiary of Marsh, Marsh & McLennan Agency [MMA] was created to serve the risk prevention and insurance needs of middle-market companies. With more than 70 offices across the US and one in Canada, MMA’s 4,000-plus employees deliver the company’s values of integrity, collaboration, passion, innovation and accountability in servicing mid-size companies across North America. With approximately $900 million in annual revenue, MMA is currently the 12th largest insurance broker in the US.

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FAST FACTS: RUTHERFOORD/MARSH & MCLENNAN AGENCY

Left to right: Kim Enochs, COO, and John Stanchina, president

“We believe if we take care of our colleagues and they take care of themselves, they will take care of our clients, and that is very important to us” ical tools to a middle-market buyer who expects a lot of information and data and wants to make informed decisions but can’t afford the people or resources to do it on their own.

Guy Morrison: I think that is spot on. The key point is that middle-market employers have every desire to manage their insurance programs effectively and really appreciate having the tools and resources that have historically only been available to jumbo accounts.

Our agency model allows our team members to grab anything that is deployed in the jumbo sector and apply it to these middle-market companies, if it’ll help them

manage their business. That in itself is significantly unique and empowers MMA colleagues to deliver optimal results for their customers.

IBA: What are the future goals and plans for Rutherfoord/MMA? KE: Our vision is to be a world-class leader in our industry, revolutionizing our clients’ experiences. We all focus on passionately delivering value-added services to our clients and providing world-class resources with a local touch. Developing our colleagues and serving our carrier partners and communities is our mission. Those relationships are incredibly important to us.

TOP AREAS OF SPECIALIZATION Real estate Construction Manufacturing Healthcare Technology

Year founded: 1916 Number of employees: 610 Number of offices: 17 Leadership: John Stanchina, president, Mid-Atlantic region, MMA

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:56:16 PM

PROGRAM DIRECTORY INDEX Program

Page

Accountants Addiction, Drug, Alcohol Adult Care Adult/Gentleman's Clubs Agribusiness Alarm Ambulances

85 84 84 74 52 92 71

Amusement Parks & Fairgrounds

65

Apartments Architects & Engineers

Program

Page

Entertainment

65

Environmental

67

Equine & Horse

52

Event

66

Exterminators/Pest Control Family Entertainment Centers Farm & Ranch

66

93

Fast Food/Fast Casual Restaurants

100

86

Financial Advisors/Planners

70

Artisan Contractors

58

Assisted Senior Living

101

Associations

55

Auto Body

53

Fine Arts Fire Protection/Sprinkler Firearms Fishing Guides

71 92 93 66

Auto Dealers

53

Flood

55

Auto Repair & Garages

53

Food Delivery Vehicles

106

Auto Transporters & Haulers

104

Foreclosure Properties

95

Aviation

55

Forestry

71

Bars, Taverns, Nightclubs

74

Funeral Homes & Services

71

Beauty & Barber Shops

101

Gas/Service Stations

100

Boat & Yacht Dealers

65

Grocery Stores

100

Bowling Alleys

65

Builder's Risk

56

Hazardous Materials Hauling & Transport

68

Buses

104

Health Clubs/Gyms

102

Business Owners

86

Hole in One

102

Camps

63

Home Health

Cannabis

80

Home Inspectors

Car Washes

98

Cargo

104

Catering

74

Charitable Nonprofits

85

Chemical Manufacturing & Products

80

Child Care/Day Care

63

Clinical Research

80

Clubs & Social Groups

56

Coastal Property

94

Commercial Marine

82

Community & Homeowners Associations

56

Computer Programming

103

Concerts Concrete Pumps & Pumpers Condos

63

Construction Contractor's Equipment

98

52

Program

Page

81

Roofers

62

65

Schools

64

Mobile Home & RV Parks

66

Mobile Homes

96

Monoline Mortgage Bankers & Brokers Motorcycle Dealers

70

Movie Theaters Moving Companies

81 72 73

Religious Institutions

98

Resorts

78

Restaurants

78

Retail

98

Security Guards

93

Self-Insured

89

Ships & Ship Repairers

82

Shopping Centers

97

Short-Haul Trucking

107

54

Small Businesses

92

100

Social Services

85

107

Spas/Day Spas

102

Municipalities

84

Sporting Events

103

Museums

71

Nursing Homes

73

103 79 107

71

Ocean Marine

82

Sports Staffing Storage

Office Buildings

96

Storage Tanks

69

One-Day Event

78

Orchards & Tree Farms

53

Outfitters/Guides

67

Surety Tanning Salons Tattoo & Body Piercing Taxis

103 102 102 107

Technology Professionals & Businesses

104

73

72

Owners, Landlords, Tenants Parking & Valet Pharmaceutical

96 78 81

87

Physicians

73

Temp Staffing

79

Title Agents

92

Physicians/Clinics

73

Towing

107

Pizza Delivery

101

Trucking

108

Police/Law Enforcement

84

Used Auto Dealers

54

Pollution

68

83

Private Investigators

93

82

Prize Indemnification

67

106

Product Liability & Recall

81

USL&H Vacant Commercial Buildings Warehouses

Insurance Agents & Brokers

87

Property Managers

96

Waste Haulers

69

Interior Design

59

Public Entites

84

Wastewater

70

Intermediate Trucking

106

Public Officials

84

Investors

70

Railroad

107

Janitorial

88

Real Estate Agents & Brokers

89

Jewelers

100

Kidnap, Ransom, Extortion

93

Landfills

68

Real Estate Appraisals Real Estate Developers Recreational Marine

89 97 82

Home Medical Equipment Dealers

72

Hospitality

75

Hotels/Motels

75

Hull (Aviation)

55

Hull (Marine) Inland Marine

62

57

Laundry

100

95

Lawyers

88

56

Lessor's Risk

95

59

Life Sciences

80

Contractors

57

Limousines

106

Convenience Stores

98

Liquor Liability

75

Country Clubs, Golf Courses

102

Liquor Stores

100

Couriers

87

Livestock

53

Cranes & Rigging

57

Logging

97 97

Weddings

79

Welding

62

Wind

55

Yacht

83

Youth Clubs/Sports

103

71

Long-Haul Trucking

106

Long-Term Care

101

Credit Unions & Community Banks

70

Crop Insurance

52

Manufactured Homes

96

Cyber & Network Security

62

Manufacturers

80

Dairy Dentists Earthquake

52 72 55

Energy, Oil, Gas

64

Marina Boat Dealers Marine Maritime Employers Liability Media

82 82 82 84

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Page

Outpatient Clinics

Landscaping & Lawn Care

www.ibamag.com

Program Medical Equipment Manufacturers MediSpa Mental Health Metal & Plastic Manufacturing Mining

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PROGRAM PROGRAMDIRECTORY DIRECTORY

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704-749-2700 619-881-8733 559-634-1400 800-640-7601 800-937-3497

www.eqgroup.com www.aimscentral.com www.arkagency.com www.arlingtonroe.com www.equineinsuranceagent.com www.burnsandwilcox.com www.catlinus.com www.choprainsurance.com www.insureyourhorse.com www.equisure-inc.com www.greatamericaninsurance.com www.fredricksenins.com www.markeldirect.com www.momentousins.com www.sonorains.com www.taga1.com www.tower-services.com

800-874-9191 877-552-2467 800-328-8894 800-878-9891 800-822-2202 248-932-9000 404-443-4910 818-923-6090 800-723-9414 800-752-2472 513-369-5000 800-669-4347 800-821-5558 818-933-2700 830-443-4890 888-999-8242 888-440-4381

www.aimscentral.com www.eqgroup.com www.applebyandsterling.com www.arrowheadgrp.com www.burnsandwilcox.com www.choprainsurance.com www.ckspecialty.com www.cottonlandins.com www.gasinsurance.net www.interpacificbrokers.com www.intlxs.com www.fredricksenins.com www.omega4agents.com www.rothertinsurance.com www.sierraspecialty.com www.southandwestern.com www.taga1.com www.tower-services.com

603-225-5561 800-874-9191 805-583-9828 619-881-8733 248-932-9000 818-923-6090 800-411-0083 662-335-3997 989-775-6696 559-634-1400 800-937-3497 800-669-4347 866-997-0711 503-252-5454 844-874-3772 800-492-5351 888-999-8242 888-440-4381

Equine & Horse Allen Financial Insurance/The Equestrian Group Agricultural Insurance Management Services Ark Agency Arlington/Roe & Co. Associations Underwriters & Ziplow Horse Insurance Burns & Wilcox Catlin US Chopra Insurance Equine Insurance Specialists Equisure Great American Insurance Group Mark D. Fredricksen Insurance Services Markel Direct Momentous Insurance Brokerage Sonora Insurance Group Tejas American General Agency Tower Services

Farm & Ranch Agricultural Insurance Management Services Allen Financial Insurance/The Equestrian Group Appleby & Sterling Arrowhead General Insurance Agency Burns & Wilcox Chopra Insurance Ck Specialty Insurance Associates Cottonland Insurance Group General Agency Services Inter-Pacific Insurance Brokers International Excess Program Managers Mark D. Fredricksen Insurance Services Omega Insurance Solutions Ron Rothert Insurance Services Sierra Specialty South & Western Tejas American General Agency Tower Services

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Tryton Insurance Group Winery Pak Insurance Programs

www.trytoninsurance.com www.winerypak.com

713-351-8490 973-292-2292

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Livestock Willis Programs FeedLotGuard® www.willisprograms.com

603-334-3084

A program specifically designed for the cattle feeding industry. It is the only cattle feedlot program that offers a combination of commercial package and animal mortality coverages.

Aquarius Insurance Services Associations Underwriters & Ziplow Horse Insurance Sonora Insurance Group Truckers Insurance Associates

www.aquarius-ins.com www.equineinsuranceagent.com www.sonorains.com www.truckers-insurance.com

0207-7480-0590 800-822-2202 830-443-4890 800-652-9515

Advanced AFG Risk Services

www.eventshield.com

203-267-4661

AmWINS Program Underwriters Arrowhead General Insurance Agency Crop Insurance of America Mark D. Fredricksen Insurance Services

www.amwins.com www.arrowheadgrp.com www.cropinsure.com www.fredricksenins.com

717-214-2800 619-881-8733 888-898-4236 800-669-4347

AmWINS Program Underwriters Arrowhead General Insurance Agency Cal-Regent Insurance Service GMI Insurance KBK Insurance Group McLeckie Insurance Group Specialty Risk Associates Surefire Insurance Agency Target Managers Insurance Services

www.amwins.com www.arrowheadgrp.com www.cal-regent.com www.gmi-insurance.com www.kbkinsgroup.com www.mcleckie.com www.specialty-risk.com www.cargoinsurancepro.com www.tmi-group.com

704-749-2700 619-881-8733 619-596-2770 610-933-4679 800-229-5927 877-905-9090 318-683-6209 818-355-2808 702-588-5310

AGRIBUSINESS

Orchards & Tree Farms

AUTO

AUTO Auto Body

Auto Dealers Willis Programs DealerGuard ® www.willisprograms.com

248-539-6670

A program designed to provide open lot protection for franchised and independent dealers and associations as well as finance company floorplans.

NAS Insurance: Cyber Liability for Auto Dealers www.nasinsurance.com

818-479-4305

NetGuard™ Plus is network security and privacy insurance that features simplified underwriting for qualifying employers. NetGuard™ Plus offers a streamlined application process that simplifies quoting and binding. The applicant who meets program qualifications can choose options from the rate card and request to bind.

AmWINS Program Underwriters Arrowhead General Insurance Agency Automotive Risk Management & Insurance Services Cal-Regent Insurance Service Diversified Insurance Facilities Gerald J. Wilkoff JMR Excess & Surplus Insurance Services McLeckie Insurance Group Target Managers Insurance Services Tejas American General Agency Williams and Stazzone Insurance

www.amwins.com www.arrowheadgrp.com www.armonline.com www.cal-regent.com www.diftx.com www.wilkoffbonds.com www.jmrexcess.com www.mcleckie.com www.tmi-group.com www.taga1.com www.wsins.com

704-749-2700 619-881-8733 209-473-8938 619-596-2770 281-364-8300 516-747-0200 866-954-9990 877-905-9090 702-588-5310 888-999-8242 321-868-2000

Auto Repair & Garages Willis Programs AutoServiceGuard® www.willisprograms.com

813-490-4916

A program designed for the auto service industry, including but not limited to the following classes: car washes, gas stations, body shops, auto/truck repair and convenience stores with gas.

Abram Interstate Insurance Services All Risks, Ltd. Alliant Specialty Insurance Services AMC Insurance Services AmWINS Program Underwriters Appalachian Underwriters Arrowhead General Insurance Agency Automotive Risk Management & Insurance Services Bass Underwriters

www.ibamag.com

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www.abraminterstate.com www.allrisks.com www.alliantspecialty.com www.amcinsurance.com www.amwins.com www.appund.com www.arrowheadgrp.com www.armonline.com www.bassuw.com

800-955-4465 800-366-5810 858-541-1900 501-932-5823 704-749-2700 888-376-9633 619-881-8733 800-224-6363 888-422-7715

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AUTO

Brecht & Associates Cal-Regent Insurance Service Chelsea Surplus Underwriters

www.brechtassoc.com www.cal-regent.com www.chelseasurplus.com

CID Insurance Services

www.cidinsurance.com

Contractors Bonding and Insurance Company Cox Specialty Markets CRES Insurance Services DMI Insurance Services Equity Partners Insurance Services Evergreen Insurance Managers Evolution Insurance Brokers Excel Insurance Services GMI Insurance Insurance Program Managers Group Insurance Programs of America JMR Excess & Surplus Insurance Services KBK Insurance Group M.J. Hall and Company McClelland and Hine McLeckie Insurance Group National Indemnity Company Old American County Mutual Pacific Coast E&S Insurance Services Pacific Gateway Insurance Agency Prime Insurance Company Quirk & Company RIC Insurance General Agency Risk Placement Services Russell Bond & Co. Scottish American SeaCoast Underwriters Shoemaker & Besser Associates Sierra Specialty Southern Cross Underwriters Southern Insurance Underwriters Sun Coast General Insurance Target Managers Insurance Services Texas Commercial Insurance Facilities TOPA Insurance Company Tri-State General Insurance Agencies USG Insurance Services W. Brown & Associates Insurance Services Western Heritage Insurance Company

www.cbic.com www.coxspecialty.com www.cresprograms.com www.dmi-insurance.com www.epinsurance.com www.evergreeninsmgrs.com www.eibdirect.com www.excelins.com www.gmi-insurance.com www.ipmg.us www.ipoausa.com www.jmrexcess.com www.kbkinsgroup.com www.mjhallandcompany.com www.mhi-tx.com www.mcleckie.com www.nationalindemnity.com www.countymutual.com www.pacificcoastes.com www.pgiainsurance.com www.primeis.com www.quirkco.com www.ric-ins.com www.rpsins.com www.russellbond.com www.scottishamerican.com www.seacoastunderwriters.com www.shoemaker-besser.com www.sierraspecialty.com www.scui.com www.siuins.com www.suncoastinsurance.com www.tmi-group.com www.tcif.org www.topains.com www.tsgia.com www.usgins.com www.wbais.com www.westernheritageins.com

817-424-5335 619-596-2770 866-595-8413 800-922-7283 ext. 2043 800-765-2242 800-648-0357 877-257-2737 800-877-2525 888-825-2740 866-450-1150 877-678-7342 877-530-0111 610-933-4679 888-377-5845 407-260-8200 866-954-9990 800-229-5927 209 948 8108 800-580-4463 877-905-9090 402-916-3000 214-561-1991 800-528-5695 800-354-4844 800-257-5590 800-299-9421 888-693-7892 866-595-8413 800-333-7226 714-550-5050 888-774-9977 717-718-8102 844-874-3772 800-682-5263 800-568-1700 800-300-8838 702-588-5310 800-256-6600 818-466-5900 410-546-6459 800-886-3897 949-851-2060 800-873-9442

www.abraminterstate.com www.usabonds.com www.arrowheadgrp.com www.atlanticspecial.com www.armonline.com www.kandkinsurance.com www.mbainsurance.net

800-955-4465 480-985-1618 619-881-8733 877-545-9100 209-473-8938 800-637-4757 480-946-1066

AGA & Associates Insurance Group

mountainvalleyins.com

All Risks, Ltd.

www.allrisks.com

American Eagle Bonding Agency Ark-La-Tex Underwriters Automotive Risk Management & Insurance Services Brecht & Associates Cal-Regent Insurance Service Delta General Agency Corporation DMI Insurance Services Gorst & Compass Insurance IMS/London American Jacobs & Associates KBK Insurance Group Metcom Excess National Indemnity Company Strickland General Agency of Florida Texas Commercial Insurance Facilities

www.usabonds.com www.altuonline.com www.armonline.com www.brechtassoc.com www.cal-regent.com www.deltains.com www.dmi-insurance.com www.gorst.com www.imslondonamerican.com www.jacobsnow.org www.kbkinsgroup.com www.metcomexcess.com www.nationalindemnity.com www.sgainfl.com www.tcif.org

201-773-0868 See website & call local office 480-985-1618 318-798-7703 209-473-8938 817-424-5335 619-596-2770 800-666-2678 800-877-2525 818-507-0900 214-373-3936 440-625-2690 800-229-5927 201-641-5100 402-916-3000 877-669-8886 800-256-6600

Motorcycle Dealers Abram Interstate Insurance Services American Eagle Bonding Agency Arrowhead General Insurance Agency Atlantic Specialty Lines Automotive Risk Management & Insurance Services K&K Insurance Group MBA Insurance

Used Auto Dealers

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AVIATION

W MW Aviation Markets BancorpSouth Insurance Services.

Catlin US Global Aerospace MacAfee & Edwards Private Client Insurance Group Regional Excess Underwriters Superior Access Insurance Services Transport Risk Management Veracity Insurance Solutions Voce Insurance Wholesale Connection Insurance Services

www.aviation-markets.com www.bxsi.com www.catlinus.com www.global-aero.com www.macafeeandedwards.com www.privateclientinsurancegroup.com www.regionalxs.com www.superioraccess.com www.transportrisk.com www.veracityins.com www.voceins.com www.wcis-ins.com

800-688-4901 800-486-8283 404-443-4910 404-262-3335 213-629-9777 866-540-9101 877-738-3170 800-272-7550 866-256-0227 866-395-1308 424-204-5484 818-716-9800

ACE Recreational Marine Insurance Great American Insurance Group The Navigators Group U.S. Risk Insurance Group

www.acemarineinsurance.com www.greatamericaninsurance.com www.navg.com www.usrisk.com

215-640-2609 513-369-5000 415-217-8553 800-232-5830

Arrowhead General Insurance Agency Burns & Wilcox Canon Insurance Service Century National Insurance Company Dunfield Wholesale Insurance Brokers Fulcrum Insurance Programs GeoVera Holdings IIABCal Klein & Costa Insurance Services NeitClem Wholesale Insurance Brokerage Preferred Specialty TRU R.E. Chaix & Associates Socius Insurance Services Worldwide Facilities

www.arrowheadgrp.com www.burnsandwilcox.com www.canoninsurance.com www.cnico.com www.dunfield.biz www.fulcrumprograms.com www.geoveraholdingsinc.com www.iiabcal.org www.kleincosta.com www.neitclem.com www.preferredre.com www.truins.com www.rechaixinsurance.com www.sociusinsurance.com www.wwfi.com

619-881-8733 248-932-9000 310-859-8600 800-760-5001 800-899-6922 425-453-5157 707-863-3700 800-772-8998 714-918-0914 612-454-4402 803-790-4800 404-387-6954 800-369-4337 813-281-4400 678-736-6720

Arlington/Roe & Co. Burns & Wilcox Fidelity National Property and Casualty Insurance Group Grand General Agency Imperial Fire & Casualty Insurance Company Innovative Risk Solutions Insure Your Paradise Kistler Agency Lancer Indemnity Company Monarch E&SÂ Insurance Services MacNeill Group Superior Access Insurance Services SWBC TRU

www.arlingtonroe.com www.burnsandwilcox.com www.fidelityonline.com www.thehelpfulpeople.com www.imperialfire.com www.irs-incorporated.com www.insureyourparadise.com www.kistleragency.com www.lancerinsurance.com www.monarchexcess.com www.macneillgroup.com www.superioraccess.com www.swbc.com www.truins.com

800-878-9891 248-932-9000 866-373-5663 800-869-2022 888-522-8242 954-931-4795 239-656-6814 404-239-7020 516-825-2800 818-249-0100 800-432-3072 800-272-7550 210-525-1241 404-387-6954

Affluent Insurance Program Burns & Wilcox Commercial Sector Insurance Brokers Excel Insurance Services International Catastrophe Insurance Managers MacNeill Group Sigma Underwriting Managers U.S. Risk Insurance Group U.S. Risk Insurance Group, Inc.

www.affluentip.com www.burnsandwilcox.com www.comsectorins.com www.excelins.com www.icat.com www.macneillgroup.com www.sigmaprograms.com www.usrisk.com www.usrisk.com

877-275-2335 ext.39 248-932-9000 205-776-1600 877-530-0111 303-447-1155 800-432-3072 954-893-1735 800-232-5830 800-232-5830

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AVIATION

Hull

CATASTROPHE Earthquake

CATASTROPHE COMMUNITY GROUPS AND HOUSING ASSOCIATIONS

Flood

Wind

COMMUNITY GROUPS AND HOUSING ASSOCIATIONS Associations Willis Programs CommunityAssociationGuardSM www.willisprograms.com

603-334-3029

A program for homeowners associations (HOAs), community associations (POAs) or planned communities (PUDs) that require insurance on their common-area property and liability.

Blais Excess & Surplus Agency of Texas

www.ibamag.com

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www.blaisexcess.com

512-894-3460

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COMMUNITY GROUPS AND HOUSING ASSOCIATIONS CONSTRUCTION

Centurion Insurance Group Charity First CID Insurance Programs Distinguished Programs Gateway Specialty Insurance Great American Insurance Group, Executive Liability Division Ian H. Graham Insurance Jorgensen & Company Monarch E&S Insurance Services Preferred Property Programs RV Nuccio & Associates The McGowan Companies Western World Insurance Group

www.centurionusa.com www.charityfirst.com www.cidinsurance.com www.distinguished.com www.gatewayspecialty.com www.greatamericaneld.com www.ihginsurance.com www.jorgensenandcompany.com www.monarchexcess.com www.ppp-quotes.com www.rvnuccio.com www.mcgowancompanies.com www.westernworld.com

800-258-3056 415-536-8438 800-922-7283 888-355-4626 877-977-4474 312-385-4250 800-621-2324 201-447-4400 818-249-0100 877-547-4671 800-567-2685 800-545-1538 201-847-8600

www.insurancefornonprofits.org www.charityfirst.com www.piaint.com www.kandkinsurance.com www.monarchexcess.com www.nsa-mga.com www.rca-insurance.com

831-621-6018 415-536-8438 914-242-7845 800-637-4757 818-249-0100 800-328-0828 800-526-0147

www.abraminterstate.com www.distinguished.com www.charityfirst.com www.cidinsurance.com www.ciuins.com www.gatewayspecialty.com www.ihginsurance.com www.kdisonline.com www.monarchexcess.com www.morstan.com www.ppp-quotes.com www.quotenbind.com www.mcgowancompanies.com

800-955-4465 888-355-4626 415-536-8438 800-922-7283 904-285-7683 877-977-4474 800-621-2324 877-807-8708 818-249-0100 516-488-4747 732-834-9800 213-293-4802 800-545-1538

www.amwins.com www.arrowheadgrp.com www.burnsandwilcox.com www.cig-llc.biz www.cip-stl.com www.constructioninsuranceservices.com www.coverx.com www.monarchexcess.com www.omega4agents.com www.psrllc.com www.qsr-insurance.com www.truins.com www.regencyinsurancebrokerage.com www.sbic.com www.veracityins.com www.wrapupsolutions.com

704-749-2700 619-881-8733 248-932-9000 877-737-8054 800-316-4031 214-884-1800 800-762-6837 818-249-0100 866-997-0711 770-506-3150 866-526-1545 404-387-6954 800-982-1895 206-269-8500 866-395-1308 636-489-0185

www.surpluslines.com www.americanstrategic.com www.arspecialists.com www.atlanticspecial.com www.bmgins.com www.bostonbrokerage.com www.burnsandwilcox.com www.canoninsurance.com www.autoinsureit.com www.coventryrisk.com www.crouseandassociates.com www.distinguished.com www.empireunderwriters.com www.grapevineinsurancebrokers.com www.icat.com www.monarchexcess.com www.napcollc.com

360-613-5455 866-274-8765 516-482-1881 877-545-9100 630-778-7000 866-331-1997 248-932-9000 310-859-8600 631-758-6782 516-750-1312 415-982-3870 888-355-4626 800-758-8113 707-251-8518 303-447-1155 818-249-0100 723-549-5222

Clubs & Social Groups Alliance of Nonprofits for Insurance, Risk Retention Group Charity First HCC Specialty/Professional Indemnity Agency K&K Insurance Group Monarch E&S Insurance Services Northern States Agency RCA Insurance Group

Community & Homeowners Associations Abram Interstate Insurance Services Distinguished Programs Charity First CID Insurance Programs Coastal Insurance Underwriters Gateway Specialty Insurance Ian H. Graham Insurance Kevin Davis Insurance Services Monarch E&S Insurance Services Morstan General Agency Preferred Property Programs QuoteNBind The McGowan Companies

CONSTRUCTION AmWINS Program Underwriters Arrowhead General Insurance Agency Burns & Wilcox Commercial Insurance Group Construction Insurance Partners Construction Insurance Services CoverXSpecialty Monarch E&S Insurance Services Omega Insurance Solutions Peachtree Special Risk Brokers Quaker Special Risk TRU Regency Insurance Brokerage Services SeaBright Insurance Company Veracity Insurance Solutions Wrap Up Insurance Solutions

Builder’s Risk Anchor Bay Insurance Managers ASI Underwriters Atlantic Risk Specialists Atlantic Specialty Lines Benchmark Management Group Boston Insurance Brokerage Burns & Wilcox Canon Insurance Service Combined Resources Coventry Risk Specialty Crouse and Associates Distinguished Programs Empire Underwriters Grapevine Insurancebrokers International Catastrophe Insurance Managers Monarch E&S Insurance Services Napco

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National Lloyds Insurance Company National Risk Solutions NSM Insurance OnPoint Underwriting TRU Program Brokerage Corporation Risk Placement Services Southeast Surplus Underwriters General Agency Specialized Insurance Specialty Lines Underwriters Strickland General Agency Strickland Insurance Brokers TAPCO Underwriters The McSweeny Agency Vilage & Company Vintage Underwriters Wholesale Connection Insurance Services Worldwide Facilities

www.natlloyds.com www.nrsinsurance.com www.nsminc.com www.onpointunderwriting.com www.truins.com www.programbrokerage.com www.rpsins.com www.ssuga.com www.specializedinsurance.com www.specialty-lines.com www.sgainga.com www.sibrokers.com www.gotapco.com www.mcsweenyins.com www.vilageco.com www.vintageunderwriters.com www.wcis-ins.com www.wwfi.com

480-951-0905 973-830-8500 800-970-9778 888-996-7600 404-387-6954 866-607-8370 866-595-8413 800-554-3301 727-494-7607 630-778-7000 800-825-5742 888-495-4950 800-334-5579 856-722-5255 212-796-6109 800-488-5771 818-251-3507 678-736-6720

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CONSTRUCTION CONTRACTORS

Concrete Pumps & Pumpers Norman-Spencer Agency www.norman-spencer.com

888-713-0771

The #1 choice of concrete pumping companies nationwide and the only property and casualty insurance program endorsed by the ACPA. Coverage available: Property, General Liability, Auto, Inland Marine, Workers Compensation, Umbrella.

Monarch E&S Insurance Services NationsBuilders Insurance Services Norman-Spencer Agency

www.monarchexcess.com www.nbis.com www.norman-spencer.com

818-249-0100 866-668-NBIS 800-543-3248

Cranes & Rigging Norman-Spencer Agency www.norman-spencer.com

888-713-0771

An admitted package policy with an A14 rated carrier with no GL or auto liability deductibles.

Coverage available: Property, General Liability, Auto, Inland Marine, Crime and Umbrella’s/ Excess.

Boston Insurance Brokerage Burns & Wilcox Peachtree Special Risk Brokers

www.bostonbrokerage.com www.burnsandwilcox.com www.psrllc.com

866-331-1997 248-932-9000 770-506-3150

CONTRACTORS Freberg Environmental: Engineers, Laboratories, Consultants & Contractors www.feiinsurnace.com 800-377-4152 FEI writes many types of non-environmental engineers, analytical testing firms, laboratories and oil & gas consultants through Lloyd’s of London.

Hill Programs www.Hillprograms.com

877-778-1114

Hill Program Managers, LLC provides professional liability and contractor’s pollution liability for architects, engineers, construction managers, design build firms and contractors.

Coverage is available in all 50 states. Limits of Liability are available up to $5,000,000.

Minimum premiums begin at $2,500. Coverage enhancements include independent contractor, leased employee, and temporary employees as insured. Joint venture coverage.

Full severability of exclusions. Blanket waiver of subrogation. Technology and privacy coverage. Transportation pollution, Crisis management. Free pre-claims assistance. Free contract review.

Aberdeen Insurance Group Access Point Insurance Services All Risks, Ltd. American Eagle Bonding Agency AmWINS Group Anderson & Murison Apollo General Insurance Agency Appalachian Underwriters Appleby & Sterling Applied Underwriters Atlantic Risk Specialists BJW Insurance Services Blackmoor General Insurance Agency Blue River Underwriters Brazos Specialty Risk Brecht & Associates Breckenridge Insurance Services

www.aberdeeninsgrp.com www.accesspointins.net www.allrisks.com www.usabonds.com www.amwins.com www.andersonmurison.com www.apgen.com www.appund.com www.applebyandsterling.com www.auw.com www.arspecialists.com www.bjwins.com www.blackmooragency.com www.blueriveruw.com www.brazosrisk.com www.brechtassoc.com www.breckis.com

800-845-4150 561-221-5157 800-366-5810 480-985-1618 214-561-7019 800-234-6977 800-624-5829 888-376-9633 805-583-9828 877-234-4450 516-482-1881 510-208-6625 267-495-2300 678-322-3538 877-282-7637 817-424-5335 678-322-3535

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CONTRACTORS

Burns & Wilcox Buy a Surety Bond Ck Specialty Insurance Associates Combined Resources Construction Insurance Partners Crouse and Associates DBL Surety Empire Underwriters Erickson-Larsen FirsTier General Agency Grapevine Insurancebrokers Gremesco of New Jersey GSS Insurance Services Hull & Company IMS/London American Insurance Cloud Marketing Services Insurance Specialty Group International Catastrophe Insurance Managers Irvin B. Green & Associates James River Insurance Company Keller & Co. Klein & Costa Insurance Services Med James Midwestern Insurance Alliance Milton O. Johnston & Company

www.burnsandwilcox.com www.buyasuretybond.com www.ckspecialty.com www.autoinsureit.com www.cip-stl.com www.crouseandassociates.com www.dblsuretybonds.com www.empireunderwriters.com www.ericksonlarseninc.com www.firstierga.com www.grapevineinsurancebrokers.com www.gremesconj.com www.gssinsurance.com www.hullco.com www.imslondonamerican.com www.icloudmarketing.org www.insurancespecialtygroup.com www.icat.com www.ibgreen.com www.jamesriverins.com www.kellerandco.com www.kleincosta.com www.medjames.com www.mwiainsurance.com www.moj-co.com

248-932-9000 623-695-3334 800-411-0083 631-758-6782 800-316-4031 415-982-3870 386-316-2547 800-758-8113 800-284-0965 877-906-7944 707-251-8518 732-761-9904 760-947-5500 954-527-4855 214-373-3936 877-465-7473 678-742-6300 303-447-1155 877-424-7336 804-289-2700 716-874-1644 714-918-0914 800-255-6503 502-429-9990 281-444-5167

Monarch E&SÂ Insurance Services

www.monarchexcess.com

818-249-0100

National E&S Insurance Brokers National Indemnity Company New Day Underwriting Managers Norman-Spencer Agency Omega Insurance Solutions OnPoint Underwriting Oryx Insurance Brokerage Ox Bonding Insurance Services Pacific Gateway Insurance Agency Peachtree Special Risk Brokers PGI Commercial Preferred Concepts Prime Insurance Company Ramsgate Insurance

www.nationaleands.com www.nationalindemnity.com www.newdayunderwriting.com www.norman-spencer.com www.omega4agents.com www.onpointunderwriting.com www.oryxinsurance.com www.oxbonding.com www.pgiainsurance.com www.psrllc.com www.pgicommercial.com www.preferredconcepts.com www.primeis.com www.ramsgateinsurance.com

661-266-4444 402-916-3000 217-371-3732 800-543-3248 866-997-0711 866-631-6555 888-462-6799 855-299-6250 800-354-4844 770-506-3150 973-631-7575 212-608-4800 800-257-5590 800-394-2767

Roush Insurance Services

www.roushins.com

800-752-8402

Risk Placement Services SafePro Insurance Services

www.rpsins.com www.safeproins.com

866-595-8413 888-411-7679

Scottish American

www.scottishamerican.com

714-550-5050

SeaBright Insurance Company Sierra Specialty SIS Insurance Services

www.sbic.com www.sierraspecialty.com www.sisinsure.com

206-269-8500 844-874-3772 760-599-7242

Southern Insurance Underwriters

www.siuins.com

800-568-1700

The Colonial Group

www.thecolonialgroup.com

336-855-1300

The Insco Dico Group, an AmTrust North America Company www.inscodico.com The Navigators Group www.navg.com TRU www.truins.com

800-782-1546 212-244-2333 404-387-6954

USASIA Insurance Services

www.usasia-ins.com

909-618-0288

USG Insurance Services Veracity Insurance Solutions

www.usgins.com www.veracityinsurance.com

800-886-3897 866-395-1308

Western Security Surplus Insurance Brokers

www.wssib.com

469-252-7875

Wholesale Brokerage & Insurance Services

www.wholesalebrokerins.com

877-270-7362

Wholesale Connection Insurance Services

www.wcis-ins.com

818-716-9800

www.acesins.com www.aesins.com www.advancedesgroup.com www.allrisks.com www.amcinsurance.com www.burnsandwilcox.com www.chelseasurplus.com

510-296-5500 312-957-4041 954-842-7826 800-366-5810 800-233-2398 248-932-9000 866-595-8413 800-922-7283 ext. 2043 800-411-0083 516-799-4200 800-441-4535

Artisan Contractors ACES Commercial Insurance Service Advanced E&S Group - Midwest Region Advanced E&S Group - Southeast Region All Risks, Ltd. AMC Insurance Services Burns & Wilcox Chelsea Surplus Underwriters CID Insurance Services

www.cidinsurance.com

Ck Specialty Insurance Associates CMS Cochrane & Company

www.ckspecialty.com www.cmsrisk.com www.cochraneco.com

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PROGRAM DIRECTORY Combined Resources Commonwealth Underwriters

www.autoinsureit.com www.commund.com

631-758-6782 800-396-6226

Construction Insurance Solutions

www.constructioninsurancesolutions.com

Continental Risk Insurance Services Conway E & S Delta General Agency Corporation Empire Underwriters FTP Gabor Insurance GJ Sullivan Company Harbor America Joseph Krar & Associates Keller & Co. McLeckie Insurance Group

www.continentalriskins.com www.conwayes.com www.deltains.com www.empireunderwriters.com www.ftpins.com www.gaborinsurance.com www.gjsullivan.com www.hapeo.com www.jkrar.com www.kellerandco.com www.mcleckie.com

866-699-2747 800-748-9520 800-666-2678 800-758-8113 732-679-3700 786-924-7030 714-621-2300 800-845-5695 800-886-5050 716-874-1644 877-905-9090

Monarch E&S Insurance Services

www.monarchexcess.com

818-249-0100

N-Surance Outlets National E&S Insurance Brokers Networked Insurance Agents NIF Group Old American County Mutual Oryx Insurance Brokerage PMC Insurance Group Rockhill Insurance Company Scottish American Shelly, Middlebrooks & O’Leary Shoemaker & Besser Associates Socius Insurance Services South & Western Southern Insurance Underwriters Specialized Insurance Sun Coast General Insurance TAPCO Underwriters Texas All Risk Texas Commercial Insurance Facilities Unisource Program Administrators Veracity Insurance Solutions Vintage Underwriters Woodlands Insurance Services

www.nsoins.com www.nationaleands.com www.networkedins.com www.nifgroup.com www.countymutual.com www.oryxinsurance.com www.pmcinsurance.com www.rhkc.com www.scottishamerican.com www.shellyins.com www.shoemaker-besser.com www.sociusinsurance.com www.southandwestern.com www.siuins.com www.specializedinsurance.com www.suncoastinsurance.com www.gotapco.com www.allriskga.com www.tcif.org www.unisourcepa.com www.veracityins.com www.vintageunderwriters.com www.woodlandsinsurance.com

800-366-1450 661-266-4444 619-232-3900 516-365-7440 214-561-1991 888-462-6799 781-449-7744 816-412-1800 714-550-5050 800-342-2498 717-718-8102 813-281-4400 972-855-2900 800-568-1700 727-494-7607 800-300-8838 800-334-5579 800-627-0303 800-256-6600 888-242-3646 866-395-1308 800-488-5771 281-367-5010

Benchmark Management Group Burns & Wilcox CorRisk Solutions Global Special Risks Horizon E & S Insurance Brokerage Insential Keith D. Peterson & Company Klein & Costa Insurance Services Landscape Contractors McLeckie Insurance Group

www.bmgins.com www.burnsandwilcox.com www.corrisksolutions.com www.globalspecialrisks.com www.horizonsurplus.com www.insential.com www.keithdpeterson.com www.kleincosta.com www.lcisinc.com www.mcleckie.com

630-778-7000 248-932-9000 631-393-1010 713-260-1030 805-494-6553 888-571-6160 804-643-7800 714-918-0914 800-628-8735 877-905-9090

Monarch E&S Insurance Services

www.monarchexcess.com

818-249-0100

OnPoint Underwriting South Texas General Insurance Agency Specialty Lines Underwriters Specialty Risk Associates Western World Insurance Group

www.onpointunderwriting.com www.stgia.com www.specialty-lines.com www.specialty-risk.com www.westernworld.com

866-631-6555 800-873-6500 262-737-8990 630-778-7000 201-847-8600

Zurich Programs

www.zprogramsmatch.com

866-873-0782

www.ahsi.net www.aluins.com www.amwins.com www.aon.com www.arrowheadgrp.com www.armonline.com www.burnsandwilcox.com www.charityfirst.com www.costanzainsurance.com www.diftx.com www.edgewater.net www.foxpointprg.com www.gmi-insurance.com www.landy.com

888-233-1555 800-850-9744 214-561-7019 215-293-1191 619-881-8733 209-473-8938 248-932-9000 415-536-4037 800-346-0942 281-364-8300 312-431-1767 800-499-7242 610-933-4679 800-336-5422

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Contractor’s Equipment

Interior Design Affordable Home Services/The Colonial Group American Lumber Underwriters AmWINS Program Underwriters Aon Affinity Arrowhead General Insurance Agency Automotive Risk Management & Insurance Services Burns & Wilcox Charity First Costanza Insurance Agency Diversified Insurance Facilities Edgewater Holdings Fox Point Programs GMI Insurance Herbert H. Landy Insurance

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NS16_056_2pageSpread_PRINT6.pdf

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9/23/16

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PROGRAM PROGRAMDIRECTORY DIRECTORY

It’s Not Random Acts Of Caring, It’s Our Culture

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Showing we care through volunteering, fund raising and donating to worthy causes to make a difference in the lives of those we share this world with.

Why we care is what sets us apart from many other Insurance organizations. We care C

about our industry because it provides protection to people and their businesses and

M

gives people peace of mind knowing that they will be made whole if they suffer a loss.

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We care about our clients because they trust us with their most important assets, their

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customers and we take that responsibility seriously. We want to keep that trust forever.

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We care about our communities because we have chosen to live our lives there and

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want to make it the best it can be so others will want to live there too. We care about one another because it is not only the right thing to do but we respect and admire the uniqueness in each one of us and that we can all make a difference. We care about ourselves because we know others count on us to be there for them when they need us.

With a company that cares this much, why would you choose anyone else?

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PROGRAM DIRECTORY

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Serving the insurance community as a Program Administrator and Wholesaler since 1988.

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Tailored Insurance Solutions in the Following Areas:

CONSTRUCTION MARINE TRANSPORTATION SPECIALTY Want more information?

888.713.0771

info@norman-spencer.com

In California: Norman-Spencer Insurance Agency License #0B64551 Norman-Spencer Agency Inc. ® All Rights Reserved.

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PROGRAM PROGRAMDIRECTORY DIRECTORY

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Inter-Pacific Insurance Brokers International Excess Program Managers

www.interpacificbrokers.com www.intlxs.com

559-634-1400 800-937-3497

Monarch E&S Insurance Services

www.monarchexcess.com

818-249-0100

Overby Seawell Co. Paul Hanson Partners Specialty Insurance Solutions Professional Underwriters Agency ProHost USA Specialty Global Insurance Services Sports & Fitness Insurance Corporation SterlingRisk

www.oscis.com www.paulhanson.com www.puainc.com www.prohostusa.com www.specialtyglobal.com www.sportsfitness.com www.sterlingrisk.com

800-432-1258 707-261-2704 630-572-0600 952-922-2404 212-201-5428 800-844-0536 800-767-7837

American Eagle Bonding Agency Applied Underwriters Arrowhead General Insurance Agency Balsiger Insurance Braishfield Associates Breckenridge Insurance Services Burns & Wilcox Combined Resources Fox Point Programs Harbor America Insurance Noodle Inter-Pacific Insurance Brokers Landscape Contractors Mattei Insurance Services

www.usabonds.com www.auw.com www.arrowheadgrp.com www.balsigerinsurance.com www.braishfield.com www.breckis.com www.burnsandwilcox.com www.autoinsureit.com www.foxpointprg.com www.hapeo.com www.insurancenoodle.com www.interpacificbrokers.com www.lcisinc.com www.matteicos.com

480-985-1618 877-234-4450 619-881-8733 702-220-8640 888-335-6616 678-322-3535 248-932-9000 631-758-6782 800-499-7242 800-845-5695 888-466-8868 559-634-1400 800-628-8735 888-462-8834

Monarch E&S Insurance Services

www.monarchexcess.com

818-249-0100

NIP Group Professional Underwriters Agency Specialty Risk Associates TAPCO Underwriters The McGraw Group

www.nipgroup.com www.puainc.com www.specialty-risk.com www.gotapco.com www.mcgrawgroup.com

800-446-7647 630-572-0600 318-865-7023 800-334-5579 800-303-5000

All Risks, Ltd. American Eagle Bonding Agency American Underwriting Managers Atlantic Specialty Lines Blue River Underwriters Burns & Wilcox Chopra Insurance DFCORBY Insurance Services Grapevine Insurancebrokers J.M. Wilson Klein & Costa Insurance Services Leo Risk Services Med James Milton O. Johnston & Company Norman-Spencer Agency Omega Insurance Solutions Pacific Reserve Ramsgate Insurance RISC Socius Insurance Services Southern Insurance Underwriters Southwest Risk

www.allrisks.com www.aebonds.com www.auminsur.com www.atlanticspecial.com www.blueriveruw.com www.burnsandwilcox.com www.choprainsurance.com www.dfcorby.com www.grapevineinsurancebrokers.com www.jmwilson.com www.kleincosta.com www.leoriskservices.com www.medjames.com www.moj-co.com www.norman-spencer.com www.omegapeo.com www.PacificReserve.com www.RamsgateInsurance.com www.gorisc.com www.sociusinsurance.com www.siuins.com www.swrisk.com

800-366-5810 480-985-1618 866-219-0427 877-545-9100 678-322-3538 248-932-9000 818-923-6090 714-992-4448 707-251-8518 800-666-5692 714-918-0914 727-734-0040 800-255-6503 281-444-5167 800-543-3248 866-997-0711 480-990-4740 800-394-2767 800-725-7472 415-778-0310 800-568-1700 214-206-4900

Abram Interstate Insurance Services AmWINS Program Underwriters Burns & Wilcox

www.abraminterstate.com www.amwins.com www.burnsandwilcox.com

800-955-4465 214-561-7019 248-932-9000

Monarch E&S Insurance Services

www.monarchexcess.com

818-249-0100

Rail Risk Pro The Horton Group/Buschbach Division

www.railriskpro.com www.wdpginsurance.com

800-247-2085 800-598-9099

Landscaping & Lawn Care CONTRACTORS CYBER & NETWORK SECURITY

Roofers

Welding

CYBER & NETWORK SECURITY NAS Insurance www.nasinsurance.com

818-479-4304

As a leading specialty market for cyber liability, NAS Insurance has pioneered one of the most comprehensive solutions for small and mid-sized businesses. In addition to state-ofthe art coverage, NAS also provides CyberNET® risk management and support services to help our policyholders prepare for and respond to a breach with expert legal, IT and PR resources.

Cyber Ready. Cyber Strong.

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PROGRAM DIRECTORY Abram Interstate Insurance Services AMC Insurance Services Apogee Insurance Group, a Berkshire Hathaway Company Breckenridge Insurance Services Burns & Wilcox CFC Underwriting Cooper & McCloskey Distinguished Programs Edgewater Holdings edinsuranceservices.com Grand General Agency IT Risk Managers Jacobs & Associates Jacobs & Associates

www.abraminterstate.com www.amcinsurance.com www.apogeeinsgroup.com www.breckis.com www.burnsandwilcox.com www.cfcunderwriting.com www.cmiprorisk.com www.distinguished.com www.edgewater.net www.edinsuranceservices.com www.thehelpfulpeople.com www.itriskmanagers.com www.jacobsnow.org www.jacobsnow.org

800-955-4465 501-932-5823 888-927-6433 678-322-3535 248-932-9000 +44 0207-220-8500 415-433-7700 888-355-4626 312-431-1767 (855) 317-9654 800-869-2022 888-280-8710 440-625-2690 440-625-2690

Monarch E&SÂ Insurance Services

www.monarchexcess.com

818-249-0100

NAS Insurance New Empire Entertainment Insurance Services Philadelphia Insurance Companies PLIS Quadrant Insurance Managers R.E. Chaix & Associates Risk Alternatives & Management RPS Technology & Cyber Special Markets Insurance Consultants Specialty Global Insurance Services Sullivan Brokers Wholesale Insurance Solutions Tennant Risk Services ThinkRisk U.S. Risk Insurance Group Veracity Insurance Solutions Combined Group ThinkRisk Underwriting Agency US Assure USX/S

www.nasinsurance.com www.neeis.com www.phly.com www.plisinc.com www.quadrant-us.com www.rechaixinsurance.com www.ram-insurance.com www.rpsins.com www.specialmarkets.com www.specialtyglobal.com www.sbwis.com www.tennant.com www.thinkriskins.com www.usrisk.com www.veracityinsurance.com www.combinedgroup.com www.thinkriskins.com www.usassure.com www.usxs.net

818-382-2030 877-856-9231 800-873-4552 800-761-7547 614-841-1425 800-369-4337 866-673-0865 800-336-5659 800-818-7642 212-201-5428 213-626-1000 860-519-1301 646-612-7808 800-232-5830 866-395-1308 214-295-1600 646-612-7808 800-800-3907 800-574-8797

Abram Interstate Insurance Services AmWINS Group edinsuranceservices.com Gales Creek Insurance, a division of J.D. Fulwiler Insurance Great American Insurance, Specialty Human Services K&K Insurance Group Lefebvre Insurance Markel Specialty

www.abraminterstate.com www.amwins.com www.edinsuranceservices.com www.eventinsurancenow.com www.specialtyhumanservices.com www.kandkinsurance.com www.lefebvreinsurance.com www.markelinsurance.com

800-955-4465 704-973-3489 (855) 317-9654 503-227-0491 800-542-4245 800-637-4757 800-451-9668 800-431-1270

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EDUCATION Camps

Monarch E&SÂ Insurance Services

www.monarchexcess.com

818-249-0100

National Lloyds Insurance Company Special Markets Insurance Consultants

www.natlloyds.com www.specialmarkets.com

480-951-0905 800-818-7642

www.abraminterstate.com www.acegroup.com/us www.agencyint.com

800-955-4465 215-640-5295 800-262-7475 727-384-1036 ext. 123 800-359-6422 704-973-3489 800-761-7072 800-352-2761 877-530-0111 877-977-4474 818-507-0900 800-282-7024 888-466-8868 800-431-1270

Child Care/Day Care Abram Interstate Insurance Services ACE Group Agency Intermediaries Agency Marketing Services

www.agencymarketing.com

Alliance of Nonprofits for Insurance, Risk Retention Group AmWINS Group Care Providers Insurance Services Charity First Excel Insurance Services Gateway Specialty Insurance Gorst & Compass Insurance Insurance House Insurance Noodle Markel Specialty

www.insurancefornonprofits.org www.amwins.com www.ins-cps.com www.charityfirst.com www.excelins.com www.gatewayspecialty.com www.gorst.com www.insurancehouse.com www.insurancenoodle.com www.markelinsurance.com

Monarch E&S Insurance Services

www.monarchexcess.com

818-249-0100

Nautilus Insurance Co. & Great Divide Insurance Co. Northern States Agency Southern Cross Underwriters Special Markets Insurance Consultants Strickland General Agency of Florida TAPCO Underwriters Texas Commercial Insurance Facilities

www.nautilusinsgroup.com www.nsa-mga.com www.scui.com www.specialmarkets.com www.sgainfl.com www.gotapco.com www.tcif.org

516-431-8300 800-328-0828 800-824-4403 800-727-7642 877-669-8886 800-418-2726 800-256-6600

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USI Affinity Brokerage Services VGM Specialty Underwriters West Bend Mutual Insurance Company

NE

www.usiaffinity.com www.vgmsu.com www.thesilverlining.com

800-265-2876 913-433-2331 800-236-5010

Schools NAS Insurance: Cyber Liability for Schools www.nasinsurance.com

EDUCATION ENERGY

818-479-4305

In this privacy-conscious society, any school can be affected by a breach of sensitive and confidential information. NetGuard™ Plus is network security and privacy insurance that features privacy breach response costs for security breaches of sensitive parent, student or employee information. With NAS Insurance’s NetGuard™ Plus policy, your insured will be protected from this growing exposure. NetGuard™ Plus offers a streamlined application process that simplifies quoting and binding.

Abram Interstate Insurance Services ACE Group AmWINS Group Aon Affinity Apex Insurance Services Arrowhead General Insurance Agency Berkley Public Entity Managers edinsuranceservices.com Charity First CID Insurance Services Glatfelter Public Practice

www.abraminterstate.com www.acegroup.com/us www.amwins.com www.aon.com www.apexinsurance.com www.arrowheadgrp.com www.mybpem.com www.edinsuranceservices.com www.charityfirst.com www.agostinisurplus.com www.glatfelterpublicpractice.com

800-955-4465 215-640-5295 704-973-3489 215-293-1191 800-366-1213 619-881-8733 612-766-3827 (855) 317-9654 800-352-2761 800-922-7283 800-233-1957

Monarch E&S Insurance Services

www.monarchexcess.com

818-249-0100

Norman-Spencer Agency

www.norman-spencer.com

800-543-3248

Philadelphia Insurance Companies Special Markets Insurance Consultants World Insurance Association

www.phly.com www.specialmarkets.com www.wiaonline.com

972-488-8535 800-818-7642 800-578-2111

ENERGY Energy, Oil, Gas Hill Programs www.Hillprograms.com

877-778-1114

Hill Program Managers provides commercial general liability, professional liability and contractor’s pollution liability for oil & gas consultants and contractors. Limits of liability are available up to $5,000,000 for certain classes..

Willis Programs PUMPProgram® www.willisprograms.com

860-756-7367

A program designed specifically for petroleum marketers, including bulk lubricant distributors, fuel oil dealers, gasoline distributors, and biofuel and waste oil distributors.

ACE Group AmWINS Group Arch Insurance Group Ark-La-Tex Underwriters Arrowhead General Insurance Agency Atlantic Specialty Lines Burns & Wilcox Burnett & Company Catlin US Citadel Insurance Services CoverXSpecialty CRC Insurance Services ELM Insurance Brokers Freberg Environmental Insurance Global Special Risks Harbor America HIIG-Energy Hull & Company IMS Insurance Market Solutions IMS/London American Insential Milton O. Johnston & Company PER se Regional Excess Underwriters RISC Sloan Mason Insurance Services Southwest Energy Underwriters Target Managers Insurance Services Tejas American General Agency Texas Commercial Insurance Facilities

www.acegroup.com/us www.amwins.com www.archinsurance.com www.altuonline.com www.arrowheadgrp.com www.atlanticspecial.com www.burnsandwilcox.com www.bcoinc.com www.catlinus.com www.citadelus.com www.coverx.com www.crcins.com www.e-o.com www.feiinsurance.com www.globalspecialrisks.com www.hapeo.com www.hiig.com www.hullco.com www.imsbrokers.com www.imslondonamerican.com www.insential.com www.moj-co.com www.powerenergyrisk.com www.regionalxs.com www.gorisc.com www.sloanmason.com www.sweu.net www.tmi-group.com www.taga1.com www.tcif.org

215-640-5295 704-973-3489 212-651-6500 318-798-7703 619-881-8733 877-545-9100 248-932-9000 504-210-3620 404-443-4910 877-247-4468 800-762-6837 678-969-8313 800-746-7167 720-931-2122 713-260-1030 800-845-5695 205-995-0713 954-527-4855 713-243-4360 214-373-3936 888-571-6160 281-444-5167 949-873-0324 877-738-3170 800-725-7472 619-325-1719 281-313-2202 800-864-7111 888-999-8242 800-256-6600

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PROGRAM DIRECTORY

Towerstone Transpac Managers U.S. Risk Insurance Group Victor O. Schinnerer & Company W.A. Schickedanz Agency Woodlands Insurance Services Worldwide Facilities

www.towerstonecorp.com www.transpacmgrs.com www.usrisk.com www.schinnerer.com www.waschickedanz.com www.woodlandsinsurance.com www.wwfi.com

972-725-2100 214-346-1512 800-232-5830 301-961-9800 800-869-9976 281-367-5010 678-736-6720

American Mining Insurance Company Bonding & Insurance Specialists Agency Burns & Wilcox HIIG-Energy Regional Excess Underwriters Worldwide Facilities

www.americanmining.com www.bisa-inc.net www.burnsandwilcox.com www.hiig.com www.regionalxs.com www.wwfi.com

800-448-5621 800-346-1031 248-932-9000 205-995-0713 877-738-3170 213-236-4500

Abram Interstate Insurance Services American Specialty Insurance & Risk Services Amusement Insurance Resources Burns & Wilcox Evolution Insurance Brokers Global Weather Insurance Agency K&K Insurance Group M.J. Hall and Company

www.abraminterstate.com www.amerspec.com www.insureair.com www.burnsandwilcox.com www.eibdirect.com www.globalweatherinsurance.com www.kandkinsurance.com www.mjhallandcompany.com

800-955-4465 800-245-2744 800-607-4711 248-932-9000 877-678-7342 516-466-3138 800-637-4757 907-929-5822

Monarch E&S Insurance Services

www.monarchexcess.com

818-249-0100

Program Risk Specialists T.H.E. Insurance Company

www.programrisks.com www.theinsco.com

800-282-8755 800-237-3355

Abram Interstate Insurance Services ABCO Insurance Underwriters AmWINS Group Arrowhead General Insurance Agency Atlass Insurance Group Bridge Marine Insurance Burns & Wilcox Diversified Insurance Facilities Global Marine Insurance Agency Maritime Program Group

www.abraminterstate.com www.abcoins.com www.amwins.com www.arrowheadgrp.com www.atlassinsurance.com www.bridgemarineinsurance.com www.burnsandwilcox.com www.diftx.com www.globalmarineinsurance.com www.maritimepg.com

800-955-4465 305-461-2555 704-973-3489 619-881-8733 800-330-3370 508-619-4668 248-932-9000 281-364-8300 800-748-0224 800-366-8086

Monarch E&S Insurance Services

www.monarchexcess.com

818-249-0100

Norman-Spencer Agency Pacific Specialty Insurance Company Safehold Special Risk Specialized Insurance Terheggen/Malone Marine Insurance Services

www.norman-spencer.com www.pacificspecialty.com www.safehold.com www.specializedinsurance.com www.tmboatinsurance.com

800-543-3248 800-303-5000 800-842-8917 631-758-6782 800-223-6268

Bill Taylor & Associates Burns & Wilcox Founders Insurance Company Glencar Underwriting Managers

www.bowlinginsurance.com www.burnsandwilcox.com www.foundersinsurance.com www.glencarum.com

800-606-6221 248-932-9000 800-972-8778 630-875-0723

Monarch E&S Insurance Services

www.monarchexcess.com

818-249-0100

Rowe Insurance Agency SterlingRisk T.H.E. Insurance Company

www.roweins.com www.sterlingrisk.com www.theinsco.com

859-626-7888 800-767-7837 800-237-3355

Allen Financial Insurance/The Equestrian Group Burns & Wilcox CoverXSpecialty Global Weather Insurance Agency L.A. Xcess Insurance Brokers

www.eqgroup.com www.burnsandwilcox.com www.coverx.com www.globalweatherinsurance.com www.laxcess.com

800-874-9191 248-932-9000 800-762-6837 516-466-3138 818-623-5415

Monarch E&S Insurance Services

www.monarchexcess.com

818-249-0100

ProHost USA Pro-Risk Insurance Partners Special Markets Insurance Consultants SterlingRisk U.S. Risk Insurance Group

www.prohostusa.com www.pro-riskinsurance.com www.specialmarkets.com www.sterlingrisk.com www.usrisk.com

952-922-2404 860-305-9477 800-727-7642 800-767-7837 800-232-5830

Abram Interstate Insurance Services

www.abraminterstate.com

All Risks, Ltd.

www.aliverisk.com

800-955-4465 See website & call local office

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Mining

ENTERTAINMENT & RECREATION Amusement Parks & Fairgrounds

ENERGY ENTERTAINMENT & RECREATION

Boat & Yacht Dealers

Bowling Alleys

Concerts

Entertainment

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Allen Financial Insurance/The Equestrian Group AmWINS Group Burns & Wilcox CoverXSpecialty Global Weather Insurance Agency L.A. Xcess Insurance Brokers

NE

ENTERTAINMENT & RECREATION

www.eqgroup.com www.amwins.com www.burnsandwilcox.com www.coverx.com www.globalweatherinsurance.com www.laxcess.com

800-874-9191 704-749-2700 248-932-9000 800-762-6837 516-466-3138 818-623-5415

Monarch E&S Insurance Services

www.monarchexcess.com

818-249-0100

ProHost USA Pro-Risk Insurance Partners Special Markets Insurance Consultants SterlingRisk U.S. Risk Insurance Group Veracity Insurance Solutions Woodlands Insurance Services

www.prohostusa.com www.pro-riskinsurance.com www.specialmarkets.com www.sterlingrisk.com www.usrisk.com www.veracityins.com www.woodlandsinsurance.com

952-922-2404 860-305-9477 800-727-7642 800-767-7837 800-232-5830 866-395-1308 281-367-5010

Abacus Insurance Brokers Abram Interstate Insurance Services Advanced AFG Risk Services, LLC AmWins Group Burns & Wilcox

www.abacus.net www.abraminterstate.com www.eventshield.com www.amwins.com www.burnsandwilcox.com

424.214.3700 800-955-4465 860-742-6666 704-973-3489 248-932-9000

Event

B & B Protector Plans

www.bbprotectorplans.com

BUA Cossio Insurance Entertainment Pro Insurance Excel Insurance Services Gales Creek Insurance, a division of J.D. Fulwiler Insurance Global Weather Insurance Agency Hays Affinity Group HCC Specialty K&K Insurance Group L.A. Xcess Insurance Brokers MMD Insurance

www.buainsurance.com www.cossioinsurance.com www.entproins.com www.excelins.com www.eventinsurancenow.com www.globalweatherinsurance.com www.eventcommit.com www.hccspecialty.com www.kandkinsurance.com www.laxcess.com www.mmdinsurance.com

888-772-5005 864-688-0121 702-639-3997 877-530-0111 503-227-0491 516-466-3138 847-939-8310 800-605-2282 800-637-4757 818-623-5415 888-751-3141

Monarch E&S Insurance Services

www.monarchexcess.com

818-249-0100

Petersen International Underwriters RISC RV Nuccio & Associates Special Markets Insurance Consultants Spectrum Weather and Specialty Insurance US Weather Insurance Veracity Insurance Solutions

www.piu.org www.gorisc.com www.rvnuccio.com www.specialmarkets.com www.spectrumweatherinsurance.com www.usweatherinsurance.com www.veracityins.com

800-345-8816 800-725-7472 800-567-2685 800-818-7642 816-810-2346 888-982-5488 866-395-1308

www.abraminterstate.com www.amerspec.com www.burnsandwilcox.com www.cossioinsurance.com www.eibdirect.com

800-955-4465 800-245-2744 248-932-9000 864-688-0121 877-678-7342

Family Entertainment Centers Abram Interstate Insurance Services American Specialty Insurance & Risk Services Burns & Wilcox Cossio Insurance Evolution Insurance Brokers Monarch E&S Insurance Services

www.monarchexcess.com

818-249-0100

SterlingRisk T.H.E. Insurance Company

www.sterlingrisk.com www.theinsco.com

800-767-7837 800-237-3355

www.acemarineinsurance.com www.burnsandwilcox.com www.globalpartners-ins.com www.maritimepg.com www.midlandsmgt.com

215-640-2609 248-932-9000 888-240-7843 800-366-8086 800-800-4007

Fishing Guides ACE Recreational Marine Insurance Burns & Wilcox Global Partners Insurance Brokers Maritime Program Group Midlands Management Monarch E&S Insurance Services

www.monarchexcess.com

818-249-0100

Old United Casualty Co./Vantage Casualty Co. Wildlife Insurance Underwriters

www.oldunited.com www.insurewildlife.com

863-299-0872 610-607-3337

www.abraminterstate.com www.burnsandwilcox.com

800-955-4465 248-932-9000

Mobile Home & RV Parks Abram Interstate Insurance Services Burns & Wilcox Gillingham & Associates, a division of Philadelphia Insurance Companies King Insurance Support Systems Leavitt Recreation and Hospitality Insurance

www.phly.com

800-849-9288

www.kinginsuranceca.com www.lrhinsurance.com

M.F. Irvine & Associates

www.mfirvine.com

800-488-4096 800-525-2060 610-862-4300/ 855-862-7700 907-929-5822

M.J. Hall and Company

www.mjhallandcompany.com

Monarch E&S Insurance Services

www.monarchexcess.com

818-249-0100

OnPoint Underwriting

www.onpointunderwriting.com

866-631-6555

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PROGRAM DIRECTORY

Rainier Insurance Company The Colonial Group The Mahoney Group

www.rainierinsure.com www.thecolonialgroup.com www.mahoneygroup.com

503-226-2527 336-855-1300 480-214-2794

www.eqgroup.com www.burnsandwilcox.com www.eibdirect.com

800-874-9191 248-932-9000 877-678-7342

www.phly.com

800-849-9288

www.kandkinsurance.com www.thompsongusic.com www.veracityins.com www.insurewildlife.com

800-637-4757 412-271-8888 866-395-1308 610-607-3337

Burns & Wilcox CGA Entertainment Pro Insurance HCC Specialty Interactive Promotions Group

www.burnsandwilcox.com www.cgainc.com www.entproins.com www.hccspecialty.com www.interactivepromotions.com

248-932-9000 800-242-7789 702-639-3997 800-605-2282 888-882-5140

Monarch E&SÂ Insurance Services

www.monarchexcess.com

818-249-0100

SCA Promotions US Hole In One

www.scapromotions.com www.holeinoneinsurance.com

888-860-6623 888-882-5440

Abram Interstate Insurance Services

www.abraminterstate.com

800-955-4465

Access E&S Insurance

www.access-es.com

ACE Group

www.acegroup.com/us

619-462-1128 ext 303 215-640-5295

Advisor Insurance Group

www.advisorus.com

713-688-1660

American Risk Management Resources Network AmWINS Group

www.armr.net www.amwins.com

Anchor Bay Insurance Managers

www.surpluslines.com

Apollo General Insurance Agency

www.apgen.com

877-735-0100 704-973-3489 360-613-5455 ext. 202 800-624-5829

Atlantic Risk Specialists

www.arspecialists.com

516-482-1881

Atlantic Specialty Lines Beacon Hill Associates Bonding & Insurance Specialists Agency Burns & Wilcox Catlin US Citadel Insurance Services

www.atlanticspecial.com www.b-h-a.com www.bisa-inc.net www.burnsandwilcox.com www.catlinus.com www.citadelus.com

877-545-9100 800-596-2156 800-346-1031 248-932-9000 404-443-4910 877-247-4468

Commercial Risk Service

www.commercialriskservice.com

888-636-0886

Commercial Sector Insurance Brokers Continental Risk Insurance Services CRC Insurance Services D.S. Blum

www.comsectorins.com www.continentalriskins.com www.crcins.com www.dsbluminc.com

205-776-1600 866-699-2747 678-969-8313 773-445-8070

DBL Surety

www.dblsuretybonds.com

386-316-2547

ELM Insurance Brokers Empire Underwriters Empire West Insurance Services Environmental Insurance Agency Environmental Insurance Services Erickson-Larsen Freberg Environmental Insurance Hull & Company Insurance Market: A Yaworsky Company Jimcor Agencies Legends Environmental Insurance Services

www.e-o.com www.empireunderwriters.com www.empirewest.net www.eiains.com www.env-ins.com www.ericksonlarseninc.com www.feiinsurance.com www.hullco.com www.theinsurancemarketonline.com www.jimcor.com www.legends-enviro.com

800-746-7167 800-758-8113 866-967-1130 800-977-3335 800-239-1347 800-284-0965 720-931-2122 954-527-4855 877-679-0008 800-334-0474 800-992-6999

M.J. Hall and Company

www.mjhallandcompany.com

907-929-5822

Metcom Excess Midlands Management

www.metcomexcess.com www.midlandsmgt.com

201-641-5100 800-800-4007

Monarch E&SÂ Insurance Services

www.monarchexcess.com

818-249-0100

New Day Underwriting Managers Peachtree Special Risk Brokers PGI Commercial Quaker Special Risk

www.newdayunderwriting.com www.psrllc.com www.pgicommercial.com www.qsr-insurance.com

217-371-3732 201-913-8030 973-631-7575 800-447-4180

R.E. Chaix & Associates

www.rechaixinsurance.com

800-369-4337

Rockhill/NECC Environmental

www.necc.com

816-412-1800

Roush Insurance Services

www.roushins.com

859-626-7888

Risk Placement Services

www.rpsins.com

866-595-8413

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Outfitters/Guides Allen Financial Insurance/The Equestrian Group Burns & Wilcox Evolution Insurance Brokers Gillingham & Associates, a division of Philadelphia Insurance Companies K&K Insurance Group Thompson-Gusic Insurance Group Veracity Insurance Solutions Wildlife Insurance Underwriters

Prize Indemnification

ENTERTAINMENT & RECREATION ENVIRONMENTAL

ENVIRONMENTAL

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Russell Bond & Co.

www.russellbond.com

800-333-7226

Scottish American

www.scottishamerican.com

714-550-5050

Sloan Mason Insurance Services

www.sloanmason.com

619-325-1719

Southern Insurance Underwriters

www.siuins.com

800-568-1700

Swett & Crawford

www.swett.com

404-240-5200

Target Managers Insurance Services

www.tmi-group.com

702-588-5310

UCPM Environmental Insurance US Assure Veracity Insurance Solutions Victor O. Schinnerer & Company

www.ucpm.com www.usassure.com www.veracityinsurance.com www.schinnerer.com

800-685-8185 800-800-3907 866-395-1308 301-961-9800

W. Brown & Associates Insurance Services

www.wbais.com

949-851-2060

Woodlands Insurance Services

www.woodlandsinsurance.com

281-367-5010

Zurich Programs

www.zprogramsmatch.com

866-873-0782

Hazardous Materials Hauling & Transport Freberg Environmental www.feiinsurance.com

800-377-4152

FEI writes hazardous materials and hazardous waste haulers through Arch Insurance Group using commercial motor carrier forms with key trucker endorsements available.

Advisor Insurance Group AmWINS Group Beacon Hill Associates Burns & Wilcox Environmental Insurance Services IMS/London American Monarch E&S Insurance Services National E&S Insurance Brokers Sloan Mason Insurance Services UCPM Environmental Insurance

www.advisorus.com www.amwins.com www.b-h-a.com www.burnsandwilcox.com www.env-ins.com www.imslondonamerican.com www.monarchexcess.com www.nationaleands.com www.sloanmason.com www.ucpm.com

713-688-1660 704-973-3489 800-596-2156 248-932-9000 800-239-1347 214-373-3936 818-249-0100 661-266-4444 619-325-1719 800-991-6237

Burns & Wilcox Legends Environmental Insurance Services

www.burnsandwilcox.com www.legends-enviro.com

248-932-9000 800-992-6999

Monarch E&S Insurance Services

www.monarchexcess.com

818-249-0100

New Day Underwriting Managers Rockhill/NECC Environmental

www.newdayunderwriting.com www.necc.com

217-371-3732 816-412-1800

Landfills

Pollution Freberg Environmental www.feiinsurance.com

800-377-4152

Environmental Impairment Liability and Petroleum Storage Tanks: Pollution insurance for fixed facilities, covering ongoing/operational or historical pollution exposures. Coverage can be custom-tailored to suit clients’ unique needs. Storage tank insurance is available under a separate tank-only policy form.

Hill Programs www.Hillprograms.com

877-778-1114

Hill Program Managers, LLC provides professional liability and contractor’s pollution liability for architects, engineers, construction managers, design/build firms and contractors. Limits of liability are available up to $5,000,000.

Advisor Insurance Group AmWINS Group Anchor Bay Insurance Managers Apex Insurance Services Arrowhead General Insurance Agency Bonding & Insurance Specialists Agency Burns & Wilcox Environmental Insurance Services Erickson-Larsen Freberg Environmental Insurance Gateway Underwriters Agency Global Financial & Insurance Services Gremesco of New Jersey

www.advisorus.com www.amwins.com www.surpluslines.com www.apexinsurance.com www.arrowheadgrp.com www.bisa-inc.net www.burnsandwilcox.com www.env-ins.com www.ericksonlarseninc.com www.feiinsurance.com www.gua-stl.com www.theglobalfinancial.com www.gremesconj.com

713-688-1660 704-973-3489 360-613-5455 800-366-1213 619-881-8733 800-346-1031 248-932-9000 800-239-1347 800-284-0965 720-931-2132 800-325-7652 972-812-5410 732-761-9904

Monarch E&S Insurance Services

www.monarchexcess.com

818-249-0100

National E&S Insurance Brokers New Day Underwriting Managers R-T Specialty UCPM Environmental Insurance USX/S Western Security Surplus Insurance Brokers

www.nationaleands.com www.newdayunderwriting.com www.rtspecialty.com www.ucpm.com www.usxs.net www.wssib.com

661-266-4444 217-371-3732 312-784-6001 800-685-8185 800-574-8797 800-733-5844

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PROGRAM DIRECTORY

Storage Tanks AMC Insurance Services AmWINS Group Bonding & Insurance Specialists Agency Burns & Wilcox Environmental Insurance Agency Environmental Insurance Services Freberg Environmental Insurance Metcom Excess Midlands Management

www.amcinsurance.com www.amwins.com www.bisa-inc.net www.burnsandwilcox.com www.eiains.com www.env-ins.com www.feiinsurance.com www.metcomexcess.com www.midlandsmgt.com

800-233-2398 704-749-2700 800-346-1031 248-932-9000 800-977-3335 800-239-1347 800-377-4152 201-641-5100 800-800-4007

Monarch E&S Insurance Services

www.monarchexcess.com

818-249-0100

Rockhill/NECC Environmental Russell Bond & Co. Specialty Risk Associates Veracity Insurance Solutions

www.necc.com www.russellbond.com www.specialty-risk.com www.veracityins.com

816-412-1800 800-333-7226 318-683-6209 866-395-1308

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Waste Haulers Willis Programs WasteHaulerGuard® www.willisprograms.com

603-334-3019

A program designed for the waste hauling industry, with primary operations in commercial and residential waste hauling.

Alliant Specialty Insurance Services AmWINS Group Beacon Hill Associates

www.alliantspecialty.com www.amwins.com www.b-h-a.com

610-539-0300 704-973-3489 800-596-2156

Monarch E&S Insurance Services

www.monarchexcess.com

818-249-0100

Park Insurance Company PMC Insurance Group W.A. Schickedanz Agency Willis Group Holdings Zurich Programs

www.parkinsuranceco.com www.pmcinsurance.com www.waschickedanz.com www.willis.com www.zprogramsmatch.com

318-683-6209 818-355-2808 702-588-5310 818-355-2808 702-588-5310

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Wastewater Burns & Wilcox Freberg Environmental Insurance Glatfelter Insurance Group Glatfelter Public Practice Grundy Insurance

ENVIRONMENTAL

www.burnsandwilcox.com www.feiinsurance.com www.glatfelters.com www.glatfelterpublicpractice.com www.grundy.com

248-932-9000 800-377-4152 800-233-1957 800-233-1957 877-338-4004

Monarch E&S Insurance Services

www.monarchexcess.com

818-249-0100

WaterColor Management

www.watercolormanagement.com

256-260-0412

www.abraminterstate.com www.centurionusa.com www.combinedgroup.com www.iiabny.org www.insurmark.com

800-955-4465 800-258-3056 214-295-1600 800-962-7950 800-833-5912

FINANCIAL SERVICES & INSTITUTIONS Credit Unions & Community Banks Abram Interstate Insurance Services Centurion Insurance Group Combined Group Independent Insurance Agents & Brokers of New York Insurmark, a division of Financial & Professional Risk Solutions

FINANCIAL SERVICES & INSTITUTIONS

Monarch E&S Insurance Services

www.monarchexcess.com

818-249-0100

Number One Insurance Agency Overby Seawell Co. Zurich North America Zurich Programs

www.massagent.com www.oscis.com www.zurichna.com www.zprogramsmatch.com

914-684-2000 800-432-1258 800-382-2150 866-873-0782

Financial Advisors/Planners NAS Insurance: Cyber Liability for Securities Brokers & Dealers www.nasinsurance.com 818-479-4305 The typical securities broker/dealer or investment advisor maintains a significant amount of confidential information pertaining to clients. This includes both personal and corporate information. The potential harm to clients, as well as resulting legal liability, may be significant. NetGuard™ Plus is network security and privacy insurance that features simplified underwriting for qualifying applicants. NetGuard™ Plus offers a streamlined application process that simplifies quoting and binding.

Abram Interstate Insurance Services A.J. Wayne & Associates Combined Group Jorgensen & Company Lee & Mason Financial Services Markel Cambridge Alliance

www.abraminterstate.com www.ajwayne.com www.combinedgroup.com www.jorgensenandcompany.com www.leeandmason.com www.markelcambridge.com

800-955-4465 773-328-0500 214-295-1600 201-447-4400 800-533-9469 800-691-1515

Monarch E&S Insurance Services

www.monarchexcess.com

818-249-0100

ProSurance Group Abram Interstate Insurance Services Anthony R. Davis Agency Apogee Insurance Group, a Berkshire Hathaway Company Combined Group Floodwatch Gerald J. Wilkoff Innovative Risk Solutions Insurmark, a division of Financial & Professional Risk Solutions Meridian Finance Group Monarch E&S Insurance Services ProSurance Group Russell Bond & Co. Williams and Stazzone Insurance

www.prosurancegroup.com www.abraminterstate.com www.ardavisagency.com www.apogeeinsgroup.com www.combinedgroup.com www.floodwatchins.com www.wilkoffbonds.com www.irs-incorporated.com www.insurmark.com www.meridianfinance.com www.monarchexcess.com www.prosurancegroup.com www.russellbond.com www.wsins.com

800-310-4486 800-955-4465 800-752-0150 888-927-6433 214-295-1600 800-833-5912 516-747-0200 954-931-4795 800-833-5912 310-260-2130 818-249-0100 800-310-4486 800-333-7226 800-868-1235

Abram Interstate Insurance Services ARC Excess & Surplus Combined Group Hyers and Associates

www.abraminterstate.com www.arcbrokers.com www.combinedgroup.com www.ohioinsureplan.com

800-955-4465 516-747-4100 214-295-1600 888-901-5650

Investors

Monarch E&S Insurance Services

www.monarchexcess.com

818-249-0100

ProSurance Group

www.prosurancegroup.com

800-310-4486

Abram Interstate Insurance Services Appalachian Underwriters Arlington/Roe & Co. Combined Group National Insurance Underwriters PBOA Shoemaker & Besser Associates Unisource Program Administrators

www.abraminterstate.com www.appund.com www.arlingtonroe.com www.combinedgroup.com www.niuw.com www.pboa.com www.shoemaker-besser.com www.unisourcepa.com

800-955-4465 888-376-9633 800-878-9891 214-295-1600 800-338-2680 800-226-0793 800-632-9002 888-242-3646

Monoline

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Mortgage Bankers & Brokers Abram Interstate Insurance Services A.J. Wayne & Associates Alamo Surety Bonds Arrowhead General Insurance Agency BIS Insurance Group Breckenridge Insurance Services CB Malaga Insurance Services Combined Group CRES Insurance Services ELM Insurance Brokers Gerald J. Wilkoff Insurmark, a division of Financial & Professional Risk Solutions Logic Underwriters

www.abraminterstate.com www.ajwayne.com www.alamobonds.com www.arrowheadgrp.com www.bisinsurancegroup.com www.breckis.com www.cbspecialty.com www.combinedgroup.com www.cresprograms.com www.e-o.com www.wilkoffbonds.com www.insurmark.com www.logicinsurance.com

800-955-4465 773-328-0500 210-930-5550 619-881-8733 615- 444-8859 678-322-3535 877-245-5887 214-295-1600 877-257-2737 800-746-7167 516-747-0200 800-833-5912 214-739-0071

Monarch E&S Insurance Services

www.monarchexcess.com

818-249-0100

Overby Seawell Co. PBIS Insurance Services Professional Underwriters Agency Sullivan Brokers Wholesale Insurance Solutions TitlePac

www.oscis.com www.pbisinsurance.com www.puainc.com www.sbwis.com www.titlepac.com

800-432-1258 415-472-7500 630-572-0600 213-833-6185 615-620-7561

Burns & Wilcox Combined Group Dowell/IAS Distinguished Programs JSIS-Jewelers Specialty Insurance Services MarketScout Monarch E&S Insurance Services

www.burnsandwilcox.com www.combinedgroup.com www.dowellias.com www.distinguished.com www.jsis-ins.com www.marketscout.com www.monarchexcess.com

248-932-9000 214-295-1600 201-794-7144 888-355-4626 213-488-1000 972-934-4200 877-406-8026

Alliant Specialty Insurance Services Aon Association Services Combined Group Fox Point Programs Monarch E&S Insurance Services SterlingRisk The McGowan Companies

www.alliantspecialty.com www.aonassociationservices.com www.combinedgroup.com www.foxpointprg.com www.monarchexcess.com www.sterlingrisk.com www.mcgowancompanies.com

858-541-1900 800-432-7465 214-295-1600 800-499-7242 877-406-8026 800-767-7837 800-545-1538

ACE Group AmWINS Group BancorpSouth Insurance Services Continental Underwriters Loggers Insurance O'Donovan & Associates

www.acegroup.com/us www.amwins.com www.bxsi.com www.contund.com www.loggers-insurance.com www.odonovaninsurance.com

215-640-5295 704-973-3489 800-486-8283 804-643-7800 800-776-5047 800-410-6333

AmWINS Group Daigle & Associates Insurance Marketing Corporation Of Oregon O’Donovan & Associates OnPoint Underwriting Santee Risk Managers/American Loggers Insurance

www.amwins.com www.daigleins.com www.imcoinsurance.com www.odonovaninsurance.com www.onpointunderwriting.com www.americanloggersinsurance.com

704-973-3489 601-924-4522 800-944-3128 800-410-6333 866-631-6555 855-SKIDDER

www.foxpointprg.com www.monarchexcess.com www.nipgroup.com www.specialtyglobal.com www.thecesargroup.com

800-499-7242 877-406-8026 800-446-7647 212-201-5428 716-626-0066

www.abiweb.com www.arrowheadgrp.com www.atlanticspecial.com www.boltonmga.com www.combinedgroup.com www.medjames.com www.monarchexcess.com

800-980-1950 619-881-8733 877-545-9100 502-583-8361 214-295-1600 800-255-6503 877-406-8026

FINE ARTS & COLLECTIBLES Fine Arts

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FINANCIAL SERVICES & INSTITUTIONS FINE ARTS & COLLECTIBLES FORESTRY

Museums

FUNERAL HOMES & SERVICES HEALTHCARE

FORESTRY

Logging

FUNERAL HOMES & SERVICES Fox Point Programs Monarch E&S Insurance Services NIP Group Specialty Global Insurance Services The Cesar Group

HEALTHCARE Ambulances American Business Insurance Services Arrowhead General Insurance Agency Atlantic Specialty Lines Bolton & Company Combined Group Med James Monarch E&S Insurance Services

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National Indemnity Company Park Insurance Company Western World Insurance Group Wholesale Connection Insurance Services Zurich Programs

www.nationalindemnity.com www.parkinsuranceco.com www.westernworld.com www.wcis-ins.com www.zprogramsmatch.com

402-916-3000 212-905-2604 201-847-8600 818-251-3507 866-873-0782

AFPD Aon Affinity Arrowhead General Insurance Agency Combined Group James River Insurance Company Monarch E&S Insurance Services NSM Insurance Group PULIC Program – TDC Specialty Insurance Company

www.ifdfordentists.com www.aon.com www.arrowheadgrp.com www.combinedgroup.com www.jamesriverins.com www.monarchexcess.com www.nsminc.com www.pulic.com

800-970-9778 215-293-1191 619-881-8733 214-295-1600 804-289-2700 877-406-8026 800-970-9778 800-537-7362

Dentists

HEALTHCARE Home Health

Willis Programs / Smith, Bell & Thompson HomeCareGuard® www.willisprograms.com 802-264-9544 A program designed around the specific needs of home health, hospice and medical staffing providers.

AmWINS Group Aon Affinity Argo Pro Combined Group Commonwealth Underwriters Connecticut Underwriters Delta General Agency Corporation Gateway Underwriters Agency Glatfelter Insurance Group Logic Underwriters M.J. Hall and Company Manchester Specialty Programs Mid-Continent General Agency Monarch E&S Insurance Services Omega Insurance Solutions Personal Care & Assisted Living Insurance Center PMC Insurance Group Preferred Specialty Professional Program Insurance Brokerage Sapphire Blue Tennant Risk Services U.S. Risk Insurance Group Unisource Program Administrators USX/S

www.amwins.com www.aon.com www.argoprous.com www.combinedgroup.com www.commund.com www.ctunderwriters.com www.deltains.com www.gua-stl.com www.glatfelters.com www.logicinsurance.com www.mjhallandcompany.com www.manchesterspecialty.com www.mid-continentga.com www.monarchexcess.com www.omega4agents.com www.pcalic.com www.pmcinsurance.com www.preferredre.com www.ppibcorp.com www.sapphireblueuw.com www.tennant.com www.usrisk.com www.unisourcepa.com www.usxs.net

704-973-3489 215-293-1191 441 296 5858 214-295-1600 800-396-6226 800-982-3881 800-666-2678 800-325-7652 800-233-1957 214-739-0071 907-929-5822 855-972-9399 713-965-6900 877-406-8026 866-997-0711 800-673-2558 781-449-7744 803-790-4800 415-475-4300 312-784-6007 860-519-1301 800-232-5830 888-242-3646 800-574-8797

Home Medical Equipment Dealers Willis Programs / Smith, Bell & Thompson: MedEquipGuard® www.sbtinsurance.com 802-264-9544 A program designed around the specific needs of medical equipment providers.

Aon Affinity Burnham + Company Combined Group International Excess Program Managers LifeScienceRisk McNeil & Company Monarch E&S Insurance Services VGM Insurance VGM Specialty Underwriters

www.aon.com www.jmassociatesltd.com www.combinedgroup.com www.intlxs.com www.lsrisk.com www.mcneilandcompany.com www.monarchexcess.com www.vgminsurance.com www.vgmsu.com

215-293-1191 201-944-6600 214-295-1600 800-937-3497 312-784-6005 800-822-3747 877-406-8026 800-362-3363 913-433-2331

MediSpa Willis Programs / Smith, Bell & Thompson HealthServicesGuardSM www.willisprograms.com 802-264-9513 A program designed around the specific needs of many types of medical facilities, including but not limited to surgical centers, medical spas, outpatient clinics, and facilities with in- and outpatient services.

Aon Affinity Arlington/Roe & Co. Capitol Special Risks Combined Group Monarch E&S Insurance Services Professional Program Insurance Brokerage SterlingRisk

www.aon.com www.arlingtonroe.com www.csrisks.com www.combinedgroup.com www.monarchexcess.com www.ppibcorp.com www.sterlingrisk.com

215-293-1191 800-878-9891 800-956-7047 214-295-1600 877-406-8026 415-475-4300 800-767-7837

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PROGRAM DIRECTORY Veracity Insurance Solutions

www.veracityins.com

866-395-1308

www.afcins.com www.argoprous.com www.canoninsurance.com www.charityfirst.com www.combinedgroup.com www.mid-continentga.com www.monarchexcess.com www.jjnegley.com www.phly.com www.sterlingrisk.com www.sibrokers.com

610-866-0401 441 296 5858 310-859-8600 415-536-8438 214-295-1600 713-965-6900 877-406-8026 800-548-4301 972-488-8535 800-767-7837 888-495-4950

Aon Affinity Aon Association Services Argo Pro Ck Specialty Insurance Associates Combined Group CRES Insurance Services Founders Professional Highland Risk Services IMS/London American K&B Underwriters Monarch E&S Insurance Services RPS Healthcare

www.aon.com www.aonassociationservices.com www.argoprous.com www.ckspecialty.com www.combinedgroup.com www.cresprograms.com www.founderspro.com www.highlandrisk.com www.imslondonamerican.com www.kbunderwriters.com www.monarchexcess.com www.rpsins.com/healthcare

215-293-1191 800-432-7465 441 296 5858 800-411-0083 214-295-1600 877-257-2737 727-498-6503 847-832-9099 214-373-3936 888-760-3194 877-406-8026 800-776-7475

U.S. Risk Insurance Group

www.usrisk.com

214-265-7090

USX/S

www.usxs.net

800-574-8797

Mental Health AFC Insurance Argo Pro Canon Insurance Service Charity First Combined Group Mid-Continent General Agency Monarch E&S Insurance Services Negley Associates Philadelphia Insurance Companies SterlingRisk Strickland Insurance Brokers

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HEALTHCARE

Outpatient Clinics Willis Programs / Smith, Bell & Thompson HealthServicesGuardSM www.willisprograms.com 802-264-9513 A program designed around the specific needs of many types of medical facilities, including but not limited to surgical centers, medical spas, outpatient clinics, and facilities with in- and outpatient services.

Argo Pro Aon Affinity Charity First Combined Group Monarch E&S Insurance Services SterlingRisk

www.argoprous.com www.aon.com www.charityfirst.com www.combinedgroup.com www.monarchexcess.com www.sterlingrisk.com

441-296-5858 215-293-1191 415-536-4037 214-295-1600 877-406-8026 800-767-7837

Physicians/Clinics Willis Programs / Smith, Bell & Thompson HealthServicesGuardSM www.willisprograms.com 802-264-9513 A program designed around the specific needs of many types of medical facilities, including but not limited to surgical centers, medical spas, outpatient clinics, and facilities with in- and outpatient services.

Advanced Professional Services

www.advancedprofessional.com

Agency Marketing Services Centurion Insurance Group Charity First Combined Group Founders Professional Greenhill Insurance Services Klinger Associates Monarch E&S Insurance Services PULIC Program – TDC Specialty Insurance Company RPS Healthcare

www.agencymarketing.com www.centurionusa.com www.charityfirst.com www.combinedgroup.com www.founderspro.com www.grnhll.com www.klinger-insurance.com www.monarchexcess.com www.pulic.com www.rpsins.com/healthcare

Advanced Professional Services

www.advancedprofessional.com

Agency Marketing Services Centurion Insurance Group Combined Group Founders Professional Greenhill Insurance Services Klinger Associates Monarch E&S Insurance Services Pro-Praxis Insurance

www.agencymarketing.com www.centurionusa.com www.combinedgroup.com www.founderspro.com www.grnhll.com www.klinger-insurance.com www.monarchexcess.com www.propraxisins.com

954-725-6112 ext. 111 727-384-1036 800-258-3056 415-536-8438 214-295-1600 727-498-6503 832-413-4600 317-845-9890 877-406-8026 800-537-7362 800-776-7475

Physicians 954-725-6112 ext. 111 727-384-1036 800-258-3056 214-295-1600 727-498-6503 832-413-4600 317-845-9890 877-406-8026 212-401-1561

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Pro-Praxis Insurance PULIC Program – TDC Specialty Insurance Company RPS Healthcare

NE

www.propraxisins.com www.pulic.com www.rpsins.com/healthcare

212-401-1561 800-537-7362 800-776-7475

www.bassuw.com www.combinedgroup.com www.ericksonlarseninc.com www.insential.com www.monarchexcess.com www.rms-hg.com www.hcc.com

888-422-7715 214-295-1600 800-284-0965 888-571-6160 877-406-8026 516-742-8585 781-994-6251

AmWINS Group

www.amwins.com

All Risks, Ltd.

www.allrisks.com

HOSPITALITY & ACCOMMODATION Adult/Gentleman’s Clubs Bass Underwriters Combined Group Erickson-Larsen Insential Monarch E&S Insurance Services RMS Hospitality Group Tokio Marine HCC Specialty Group

HEALTHCARE

Bars, Taverns, Nightclubs

HOSPITALITY & ACCOMMODATION

American Underwriting Managers

www.auminsur.com

Anchor Bay Insurance Managers

www.surpluslines.com

AUI Benchmark Management Group Brecht & Associates Cochrane & Company Cochrane & Company Combined Group Conway E & S Erickson-Larsen Founders Insurance Company Gorst & Compass Insurance Gray-Stone & Company Horizon E & S Insurance Brokerage Insential Jacobs & Associates M.J. Hall and Company McClelland and Hine Meadowbrook Insurance Group Metcom Excess Momentous Insurance Brokerage Monarch E&S Insurance Services National Insurance Underwriters NeitClem Wholesale Insurance Brokerage Northern States Agency Number One Insurance Agency People’s United Insurance Agency Program Brokerage Corporation ProHost USA RCA Insurance Group RMS Hospitality Group Southeast Surplus Underwriters General Agency Specialty Insurance Agency Specialty Lines Underwriters Strickland General Agency of Florida TAPCO Underwriters Tokio Marine HCC Specialty Group USASIA Insurance Services USG Insurance Services Vilage & Company W.A. Schickedanz Agency Wright Insurance Services

www.aui-inc.com www.bmgins.com www.brechtassoc.com www.cochraneco.com www.cochraneco.com www.combinedgroup.com www.conwayes.com www.ericksonlarseninc.com www.foundersinsurance.com www.gorstcompass.com www.gray-stone.com www.horizonsurplus.com www.insential.com www.jacobsnow.org www.mjhallandcompany.com www.mhi-tx.com www.meadowbrookinsgrp.com www.metcomexcess.com www.momentousins.com www.monarchexcess.com www.niuw.com www.neitclem.com www.nsa-mga.com www.massagent.com www.peoples.com/insurance www.programbrokerage.com www.prohostusa.com www.rca-insurance.com www.rms-hg.com www.ssuga.com www.specialtyinsuranceagency.com www.specialty-lines.com www.sgainfl.com www.gotapco.com www.hcc.com www.usasia-ins.com www.usgins.com www.vilageco.com www.waschickedanz.com www.robertwrightinsurance.com

704-973-3489 See website & call local office 817-424-1996 360-613-5455 ext. 202 800-993-0024 630-778-7000 817-424-5335 800-441-4535 800-441-4535 214-295-1600 800-748-9520 800-284-0965 800-972-8778 818-507-0900 805-494-4440 805-494-6553 888-571-6160 440-625-2690 907-929-5822 800-580-4463 800-482-2726 201-641-5100 818-933-2700 877-406-8026 800-338-2680 612-454-4402 800-328-0828 914-684-2000 800-543-3827 866-607-8370 952-922-2404 800-526-0147 516-742-8585 409-924-8200 715-246-8908 262-737-8990 877-669-8886 800-418-2726 781-994-6251 909-618-0288 800-886-3897 212-796-6109 618-233-0644 949-489-1833

Combined Group Insurance Noodle Monarch E&S Insurance Services ProHost USA RMIS Special Markets Insurance Consultants Tokio Marine HCC Specialty Group TAPCO Underwriters Veracity Insurance Solutions Western Security Surplus Insurance Brokers

www.combinedgroup.com www.insurancenoodle.com www.monarchexcess.com www.prohostusa.co www.rmismga.com www.specialmarkets.com www.hcc.com www.gotapco.com www.veracityins.com www.wssib.com

214-295-1600 888-466-8868 877-406-8026 952-922-2404 714-738-1383 800-727-7642 781-994-6251 800-334-5579 866-395-1308 800-733-5844

Catering

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PROGRAM DIRECTORY

Hospitality Arrowhead General Insurance Agency Combined Group Commercial Insurance Solutions Distinguished Programs Monarch E&S Insurance Services ProHost USA Scottish American Tokio Marine HCC Specialty Group

www.arrowheadgrp.com www.combinedgroup.com www.cis-ais.com www.distinguished.com www.monarchexcess.com www.prohostusa.com www.scottishamerican.com www.hcc.com

619-881-8733 214-295-1600 888-613-2224 888-355-4626 877-406-8026 952-922-2404 714-550-5050 781-994-6251

www.allrisks.com www.applebyandsterling.com www.auw.com www.arrowheadgrp.com www.aui-inc.com www.bassuw.com www.braishfield.com www.brazosrisk.com www.burnsandwilcox.com www.citainsurance.com www.cochraneco.com www.combinedgroup.com www.ca-group.com www.distinguished.com www.element22ins.com www.foxpointprg.com www.fulcrumprograms.com www.hospitalityins.com ww.insmartnational.com www.icat.com www.kis-hospitality.com www.moj-co.com www.motelinsurancebrokers.com www.monarchexcess.com www.northernum.com www.patriotnational.com www.preferredconcepts.com www.ppp-quotes.com www.platinumleisure.com www.sterlingrisk.com www.stonebridgeuw.com www.sgainfl.com www.suitelifeins.com www.thecentralagency.com www.mcgowancompanies.com www.hcc.com www.ucageneral.com www.vilageco.com www.westernspecialrisks.com www.westernworld.com www.zprogramsmatch.com

800-366-5810 805-583-9828 877-234-4450 619-881-8733 800-993-0024 888-422-7715 888-335-6616 877-282-7637 248-932-9000 800-280-7250 800-441-4535 214-295-1600 1-203-230-4100 800-366-5810 888-882-4005 800-499-7242 425-453-5157 866-286-5889 914-607-5020 303-447-1155 973-754-6100 281-444-5167 866-387-8883 877-406-8026 855-825-9353 800-291-6846 212-608-4800 877-547-4671 609-818-9534 800-767-7837 877-965-0123 877-669-8886 800-282-6247 800-678-1642 800-545-1538 781-994-6251 800-222-5582 212-796-6109 888-317-5575 201-847-8600 866-873-0782

www.allsolutionspbs.com www.aesins.com www.advancedesgroup.com www.amwins.com www.centrexuw.com www.combinedgroup.com www.e-o.com www.foundersinsurance.com www.horizonsurplus.com www.ies-xs.com www.intlxs.com www.midvalleyga.com www.monarchexcess.com www.peoples.com/insurance www.prohostusa.com www.promontspecialty.com www.scui.com www.specialmarkets.com www.sgainfl.com

888-376-5884 312-957-4041 407-461-7221 704-973-3489 901-767-4754 214-295-1600 800-746-7167 800-972-8778 805-494-6553 800-487-2442 800-937-3497 503-365-7001 877-406-8026 800-543-3827 952-922-2404 312-262-3300 800-824-4403 800-818-7642 877-669-8886

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Hotels/Motels All Risks, Ltd. Appleby & Sterling Applied Underwriters Arrowhead General Insurance Agency AUI Bass Underwriters Braishfield Associates Brazos Specialty Risk Burns & Wilcox CITA Insurance Services Cochrane & Company Combined Group Continental Agency of Connecticut Distinguished Programs Element22 Insurance Services Fox Point Programs Fulcrum Insurance Programs HIS InSmart Risk Purchasing Group International Catastrophe Insurance Managers Klein Insurance Services Milton O. Johnston & Company Motel Insurance Brokers Monarch E&S Insurance Services Northern Underwriting Managers Patriot National Underwriters Preferred Concepts Preferred Property Programs Sangamon Associates SterlingRisk Stonebridge Underwriters Strickland General Agency of Florida Suitelife by Venture Programs The Central Agency The McGowan Companies Tokio Marine HCC Specialty Group UCA General Insurance Services Vilage & Company Western Special Risks Western World Insurance Group Zurich Programs

HOSPITALITY & ACCOMMODATION

Liquor Liability All Solutions PBS LLC Advanced E&S Group - Midwest Region Advanced E&S Group - Southeast Region AmWINS Group Centrex Underwriters Combined Group ELM Insurance Brokers Founders Insurance Company Horizon E & S Insurance Brokerage Indemnity Excess and Surplus Agency International Excess Mid Valley General Agency Monarch E&S Insurance Services People’s United Insurance Agency ProHost USA Promont Specialty Southern Cross Underwriters Special Markets Insurance Consultants Strickland General Agency of Florida

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IBA Oct Issue 2016-9.8.2016C.qxp_Layout 1 9/12/16 1:00 PM Page 1

PROGRAM PROGRAMDIRECTORY DIRECTORY

Great Minds Representing all new programs.

Programs galore!

We’re back!

Back....bigger and better than ever!

Coverage available Architects, Engineers, Construction Managers, Design Build Firms and Contra

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Hill Program Managers LLC 155 South Madison • Suite 302 •

30/09/2016 4:54:06 AM

nds Are Back!

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I love Insurance!

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PROGRAM DIRECTORY

Ditto, Amigo!

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on • Suite 302 • Denver, CO 80209 • 877.778.1114 • 303.416.6994 • Mhill@hillprograms.com

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Strickland General Agency Strickland Insurance Brokers TAPCO Underwriters Tokio Marine HCC Specialty Group Towerstone United States Liability Insurance Group Veracity Insurance Solutions VGM Specialty Underwriters W.A. Schickedanz Agency Western Special Risks Wright Insurance Services

NE

www.sgainga.com www.sibrokers.com www.gotapco.com www.hcc.com www.towerstonecorp.com www.usli.com www.veracityins.com www.vgmsu.com www.waschickedanz.com www.westernspecialrisks.com www.robertwrightinsurance.com

800-825-5742 888-495-4950 800-418-2726 781-994-6251 972-725-2100 888-523-5545 866-395-1308 913-433-2331 618-233-0644 888-317-5575 949-489-1833

www.actinsurance.com www.amwins.com www.buainsurance.com www.combinedgroup.com www.dunfield.biz www.entproins.com www.eventinsurancenow.com www.monarchexcess.com www.nsoins.com www.peoples.com/insurance www.preferredre.com www.specialmarkets.com www.hcc.com www.veracityins.com

888-568-0548 704-973-3489 888-772-5005 214-295-1600 800-899-6922 702-639-3997 503-227-0491 877-406-8026 800-366-1450 800-543-3827 803-790-4800 800-818-7642 781-994-6251 866-395-1308

www.ajwayne.com www.alliantspecialty.com www.arrowheadgrp.com www.cal-regent.com www.combinedgroup.com www.monarchexcess.com www.hcc.com www.usrisk.com

773-328-0500 858-541-1900 619-881-8733 619-596-2770 214-295-1600 877-406-8026 781-994-6251 800-232-5830

One-Day Event ACT Insurance Program AmWINS Group BUA Combined Group Dunfield Wholesale Insurance Brokers Entertainment Pro Insurance Gales Creek Insurance, a division of J.D. Fulwiler Insurance Monarch E&S Insurance Services N-Surance Outlets People’s United Insurance Agency Preferred Specialty Special Markets Insurance Consultants Tokio Marine HCC Specialty Group Veracity Insurance Solutions

HOSPITALITY & ACCOMMODATION

Parking & Valet A.J. Wayne & Associates Alliant Specialty Insurance Services Arrowhead General Insurance Agency Cal-Regent Insurance Service Combined Group Monarch E&S Insurance Services Tokio Marine HCC Specialty Group U.S. Risk Insurance Group

Resorts Willis Programs ResortGuard® www.willisprograms.com

603-334-3029

A program designed for businesses engaged in the operation of destination resorts, resort condominiums, sportsmen’s lodges, boutique hotels, luxury guest ranches and country inns.

ACE Group Burns & Wilcox Combined Group Distinguished Programs Gillingham & Associates Monarch E&S Insurance Services National Specialty Underwriters SterlingRisk Tokio Marine HCC Specialty Group Venture Insurance Programs Willis Group Holdings Zurich Programs

www.acegroup.com/us www.burnsandwilcox.com www.combinedgroup.com www.distinguised.com www.phly.com www.monarchexcess.com www.nsui.com www.sterlingrisk.com www.hcc.com www.ventureprograms.com www.willis.com www.zprogramsmatch.com

215-640-5295 248-932-9000 214-295-1600 888-355-4626 800-849-9288 877-406-8026 425-213-5130 800-767-7837 781-994-6251 800-282-6247 212-915-8888 866-873-0782

AmWINS Group Abram Interstate Insurance Services Advanced E&S Group - Midwest Region Agency Intermediaries Agency Marketing Services Align General Insurance Agency All Risks, Ltd. Alliant Specialty Insurance Services American Underwriting Managers Anchor Bay Insurance Managers Appleby & Sterling AUI Bass Underwriters Benchmark Management Group Berrian Insurance Group Boston Insurance Brokerage Brecht & Associates

www.amwins.com www.abraminterstate.com www.aesins.com www.agencyint.com www.agencymarketing.com www.aligngeneral.com www.allrisks.com www.alliantspecialty.com www.auminsur.com www.surpluslines.com www.applebyandsterling.com www.aui-inc.com www.bassuw.com www.bmgins.com www.big-ins.com www.bostonbrokerage.com www.brechtassoc.com

704-973-3489 800-955-4465 866-867-0505 800-262-7475 727-384-1036 619-333-2500 800-366-5810 610-539-0300 866-219-0427 (360) 649-8969 805-583-9828 800-993-0024 888-422-7715 630-778-7000 303-795-5831 866-331-1997 817-424-5335

Restaurants

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PROGRAM DIRECTORY Ck Specialty Insurance Associates Combined Group Commercial Risk Service Commodore Insurance Services Connecticut Underwriters Continental Brokers Continental Risk Insurance Services CRES Insurance Services Etowah Insurance Group Evergreen Insurance Managers Founders Insurance Company GSS Insurance Services Insurance Noodle Insurance Program Managers Group IPC Irving Weber Associates J.M. Wilson Jacobs & Associates Joseph Krar & Associates Keller & Co. Klein Insurance Services M.J. Hall and Company MarketScout McClelland and Hine

www.ckspecialty.com www.combinedgroup.com www.commercialriskservice.com www.commodoreins.com www.ctunderwriters.com www.continentalbrokers.biz www.continentalriskins.com www.cresprograms.com www.theetowahgroup.com www.evergreeninsmgrs.com www.foundersinsurance.com www.gssinsurance.com www.insurancenoodle.com www.ipmg.us www.ipc-nv.com www.iwains.com www.jmwilson.com www.jacobsnow.org www.jkrar.com www.kellerandco.com www.kis-hospitality.com www.mjhallandcompany.com www.marketscout.com www.mhi-tx.com

800-411-0083 214-295-1600 888-636-0886 877-247-2500 800-982-3881 866-386-4136 866-699-2747 877-257-2737 706-378-3488 866-450-1150 800-972-8778 760-947-5500 888-466-8868 888-377-5845 775-782-6655 800-243-1811 800-666-5692 440-625-2690 800-886-5050 716-874-1644 973-754-6100 907-929-5822 972-934-4200 800-580-4463

Monarch E&S Insurance Services

www.monarchexcess.com

877-406-8026

National Insurance Underwriters Ohio E & S Agency ProHost USA RCA Insurance Group Specialty Insurance Agency Tokio Marine HCC Specialty Group The McGowan Companies Tuscano Agency UCA General Insurance Services

www.niuw.com www.ohioeands.com www.prohostusa.com www.rca-insurance.com www.specialtyagency.com www.hcc.com www.mcgowancompanies.com www.tuscano.com www.ucageneral.com

800-338-2680 866-233-7091 952-922-2404 800-526-0147 800-836-1400 781-994-6251 800-545-1538 866-442-8063 800-222-5582

Weiss Insurance Agencies

www.weissins.com

630-584-1717

Western Security Surplus Insurance Brokers

www.wssib.com

800-733-5844

Combined Group M2 Insurance Services Monarch E&S Insurance Services RV Nuccio & Associates Sage Insurance Tokio Marine HCC Specialty Group

www.combinedgroup.com www.m2insuranceservices.com www.monarchexcess.com www.rvnuccio.com www.sageinsurance.com www.hcc.com

214-295-1600 877-520-8363 877-406-8026 800-567-2685 702-547-1900 781-994-6251

www.abraminterstate.com www.allrisks.com www.amsprograms.com www.the-brokers-broker.com www.calpayservices.com www.hapeo.com www.hullco.com www.monarchexcess.com www.omega4agents.com www.specialtyglobal.com www.stonehengeis.com www.usrisk.com www.wwspi.com www.zprogramsmatch.com

800-955-4465 800-366-5810 844-464-2667 949-415-7726 855-979-6161 800-845-5695 954-527-4855 877-406-8026 866-997-0711 212-201-5428 561-746-5027 800-232-5830 800-245-9653 866-873-0782

Abram Interstate Insurance Services AIG Artex Risk Solutions Commercial Sector Insurance Brokers Cooper & McCloskey Gilbert Trujillo Insurance Services Hull & Company M.J. Kelly Company Monarch E&S Insurance Services

www.abraminterstate.com www.aig.com www.artexrisk.com www.comsectorins.com www.cmiprorisk.com www.1bondsinsurance.com www.hullco.com www.mjkelly.com www.monarchexcess.com

800-955-4465 877-867-3783 630-694-5050 205-776-1600 415-433-7700 505-314-9203 954-527-4855 318-742-8211 877-406-8026

NSM Insurance Group

www.nsminc.com

508-634-2902

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NE

HOSPITALITY & ACCOMMODATION HUMAN RESOURCES

Weddings

HUMAN RESOURCES Staffing Abram Interstate Insurance Services All Risks, Ltd. Alternative Market Insurance Services Bentley Wholesale Insurance Solutions Cal-Pay Services Harbor America Hull & Company Monarch E&S Insurance Services Omega Insurance Solutions Specialty Global Insurance Services Stonehenge Insurance Solutions U.S. Risk Insurance Group World Wide Specialty Programs Zurich Programs

Temp Staffing

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Pacific Gateway Insurance Agency Park Insurance Company PMC Insurance Group Risk Placement Services Transportation Risk Underwriters Truckers Insurance Associates Work First Casualty Company World Wide Specialty Programs Zurich Programs

NE

www.pgiainsurance.com www.parkinsuranceco.com www.pmcinsurance.com www.rpsins.com www.transportationrisk.com www.truckers-insurance.com www.workfirstcasualty.com www.wwspi.com www.zprogramsmatch.com

800-354-4844 212-905-2604 781-449-7744 866-595-8413 800-977-9884 800-652-9515 877-772-4667 800-245-9653 866-873-0782

Abram Interstate Insurance Services CoverXSpecialty Hull & Company JH Insurance Services Life Science Risk Monarch E&S Insurance Services Regional Excess Underwriters Veracity Insurance Solutions Worldwide Facilities

www.abraminterstate.com www.coverx.com www.hullco.com www.jhinsurance.com www.lsrisk.com www.monarchexcess.com www.regionalxs.com www.veracityins.com www.wwfi.com

800-955-4465 800-762-6837 954-527-4855 877-544-4399 312-784-6005 877-406-8026 877-738-3170 866-395-1308 678-736-6720

Cannarisk Insurance and Risk Managemnt Casey Insurance Group ChemPlan Consumer Specialties Insurance Company GP Insurance Brokers GSS Insurance Services Monarch E&S Insurance Services NeitClem Wholesale Insurance Brokerage Surety One Teso Insurance Services

www.cannarisk.com www.caseyinsurancegrp.com www.chemplan.net www.csiplus.com www.gpinsurancebrokers.com www.gssinsurance.com www.monarchexcess.com www.neitclem.com www.suretyone.org www.tesoinsurance.com

800-606-2003 888-537-1412 800-410-1511 800-593-0116 619-232-3900 760-947-5500 877-406-8026 612-454-4402 800-373-2804 714-329-2448

www.abraminterstate.com www.altuonline.com www.centurionusa.com www.founderspro.com www.eventinsurancenow.com www.lefebvreinsurance.com www.monarchexcess.com www.natlloyds.com www.propraxisins.com www.specialmarkets.com www.swett.com

800-955-4465 318-798-7703 800-258-3056 727-498-6503 503-227-0491 800-451-9668 877-406-8026 480-951-0905 212-401-1561 800-727-7642 404-240-5200

www.chemplan.net www.combinedgroup.com www.csiplus.com www.interpacificbrokers.com www.monarchexcess.com www.napcollc.com www.neitclem.com www.sloanmason.com www.swrisk.com www.woodlandsinsurance.com

800-410-1511 214-295-1600 800-593-0116 559-634-1400 877-406-8026 723-549-5222 612-454-4402 601-914-7323 214-206-4900 281-367-5010

LIFE SCIENCES HUMAN RESOURCES LIFE SCIENCES MANUFACTURERS & PRODUCERS

Cannabis

Clinical Research Abram Interstate Insurance Services Ark-La-Tex Underwriters Centurion Insurance Group Founders Professional Gales Creek Insurance, a division of J.D. Fulwiler Insurance Lefebvre Insurance Monarch E&S Insurance Services National Lloyds Insurance Company Pro-Praxis Insurance Special Markets Insurance Consultants Swett & Crawford

MANUFACTURERS & PRODUCERS Chemical Manufacturing & Products ChemPlan Combined Group Consumer Specialties Insurance Company Inter-Pacific Insurance Brokers Monarch E&S Insurance Services Napco NeitClem Wholesale Insurance Brokerage Sloan Mason Insurance Services Southwest Risk Woodlands Insurance Services

Manufacturers Norman-Spencer Agency www.norman-spencer.com

888-713-0771

The #1 choice of concrete pumping companies nationwide and the only property and casualty insurance program endorsed by the ACPA. Coverage available: Property, General Liability, Auto, Inland Marine, Workers Compensation, Umbrella.

Willis Programs PlasticsGuard® www.willisprograms.com

860-756-7367

A program tailored to fit many plastics operations, including plastics manufacturers, distributors of plastic-related products, extruders and plastic injection molders.

Abram Interstate Insurance Services Alternative Market Insurance Services American Lumber Underwriters Arrowhead General Insurance Agency Citadel Insurance Services Ck Specialty Insurance Associates

www.abraminterstate.com www.amsprograms.com www.aluins.com www.arrowheadgrp.com www.citadelus.com www.ckspecialty.com

800-955-4465 844-464-2667 800-850-9744 619-881-8733 877-247-4468 800-411-0083

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PROGRAM DIRECTORY Combined Group Commercial Sector Insurance Brokers CoverXSpecialty DFCORBY Insurance Services Financial Risk Solutions James River Insurance Company Joseph Chiarello & Co. Klinger Associates MacAfee & Edwards Monarch E&S Insurance Services Napco Russell Bond & Co. Southwest Risk USASIA Insurance Services USX/S

www.combinedgroup.com www.comsectorins.com www.coverx.com www.dfcorby.com www.financialrs.com www.jamesriverins.com www.guninsurance.com www.klinger-insurance.com www.macafeeandedwards.com www.monarchexcess.com www.napcollc.com www.russellbond.com www.swrisk.com www.usasia-ins.com www.usxs.net

214-295-1600 205-776-1600 800-762-6837 714-992-4448 866-674-9503 804-289-2700 800-526-2199 317-845-9890 213-629-9777 877-406-8026 723-549-5222 800-333-7226 214-206-4900 909-618-0288 800-574-8797

www.abraminterstate.com www.aon.com www.combinedgroup.com www.intlxs.com www.monarchexcess.com www.veracityinsurance.com

800-955-4465 800-842-4084 214-295-1600 800-937-3497 877-406-8026 866-395-1308

www.abraminterstate.com www.bostonbrokerage.com www.combinedgroup.com www.hapeo.com www.monarchexcess.com www.patriotnational.com www.swrisk.com www.theandrewagency.com www.westernspecialrisks.com

800-955-4465 866-331-1997 214-295-1600 800-845-5695 877-406-8026 800-291-6846 214-206-4900 804-320-2886 888-317-5575

www.aon.com www.combinedgroup.com www.firstierga.com www.grnhll.com www.intlxs.com www.jamesriverins.com www.monarchexcess.com www.rockwoodinsurance.com www.swett.com

215-293-1191 214-295-1600 877-906-7944 832-413-4600 800-937-3497 804-289-2700 877-406-8026 800-558-8808 404-240-5200

www.altuonline.com www.arspecialists.com www.bmgins.com www.combinedgroup.com www.comsectorins.com www.continentalriskins.com www.cmiprorisk.com www.cossioinsurance.com www.coverx.com www.dfcorby.com www.gaddiscompany.com www.gray-stone.com www.horizonsurplus.com www.insential.com

318-798-7703 516-482-1881 630-778-7000 214-295-1600 205-776-1600 866-699-2747 415-433-7700 864-688-0121 800-762-6837 714-992-4448 312-853-0071 805-494-4440t 805-494-6553 888-571-6160 www.beauty2000. org 800-937-3497 800-666-5692 800-637-4757 916-788-8191 318-742-8211 800-432-3072 877-406-8026 800-528-5695 214-206-4900 888-495-4950 847-253-8130 866-395-1308

Medical Equipment Manufacturers Abram Interstate Insurance Services Aon Affinity Combined Group International Excess Program Managers Monarch E&S Insurance Services Veracity Insurance Solutions

W MW

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SE

NE

MANUFACTURERS & PRODUCERS MARINE

Metal & Plastic Manufacturing Abram Interstate Insurance Services Boston Insurance Brokerage Combined Group Harbor America Monarch E&S Insurance Services Patriot National Underwriters Southwest Risk The Andrew Agency Western Special Risks

Pharmaceutical Aon Affinity Combined Group FirsTier General Agency Greenhill Insurance Services International Excess Program Managers James River Insurance Company Monarch E&S Insurance Services Rockwood Programs Swett & Crawford

Product Liability & Recall Ark-La-Tex Underwriters Atlantic Risk Specialists Benchmark Management Group Combined Group Commercial Sector Insurance Brokers Continental Risk Insurance Services Cooper & McCloskey Cossio Insurance CoverXSpecialty DFCORBY Insurance Services Donald Gaddis Co. Insurance Services Gray-Stone & Company Horizon E & S Insurance Brokerage Insential International Beauty Brokerage

www.beauty2000.org

International Excess Program Managers J.M. Wilson K&K Insurance Group K&M Henderson Insurance Services, Inc M.J. Kelly Company MacNeill Group Monarch E&S Insurance Services Pacific Coast E&S Insurance Services Southwest Risk Strickland Insurance Brokers The Mechanic Group Veracity Insurance Solutions

www.intlxs.com www.jmwilson.com www.kandkinsurance.com www.hendersoninsure.com www.mjkelly.com www.macneillgroup.com www.monarchexcess.com www.pacificcoastes.com www.swrisk.com www.sibrokers.com www.mechanicgroup.com www.veracityinsurance.com

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PROGRAM PROGRAMDIRECTORY DIRECTORY

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NE

MANUFACTURERS & PRODUCERS

Western Special Risks Wright Insurance Services

www.wssib.com www.robertwrightinsurance.com

800-733-5844 949-489-1833

Arrowhead General Insurance Agency Burns & Wilcox Charter Lakes Marine Insurance Agency Continental Risk Insurance Services Global Marine Insurance Agency Global Partners Insurance Brokers IIABCal LIG Marine Managers Monarch E&S Insurance Services SeaBright Insurance Company The American Equity Underwriters

www.arrowheadgrp.com www.burnsandwilcox.com www.charterlakes.com www.continentalriskins.com www.globalmarineinsurance.com www.globalpartners-ins.com www.iiabcal.org www.ligmarine.com www.monarchexcess.com www.sbic.com www.amequity.com

619-881-8733 248-932-9000 888-418-8301 866-699-2747 800-748-0224 888-240-7843 800-772-8998 415-513-5676 877-406-8026 206-269-8500 866-238-8754

MARINE

Commercial Marine Norman-Spencer Agency www.norman-spencer.com

MARINE

888-713-0771

Norman-Spencer’s AquaPac and TradeWinds programs provide comprehensive coverage for small pleasure craft to global navigating mega-yachts. Very flexible underwriting and rating.

Admitted programs, A (excellent) or higher; with access to top domestic and international yacht products.

Alan R. Mott Agency Arrowhead General Insurance Agency Burns & Wilcox Charter Lakes Marine Insurance Agency Continental Risk Insurance Services Global Special Risks Global Partners Insurance Brokers Merrimac Marine Insurance Monarch E&S Insurance Services

www.boat-ins.com www.arrowheadgrp.com www.burnsandwilcox.com www.charterlakes.com www.continentalriskins.com www.continentalriskins.com www.globalpartners-ins.com www.merrimacins.com www.monarchexcess.com

631-549-2628 619-881-8733 248-932-9000 888-418-8301 866-699-2747 713-260-1030 888-240-7843 407.551.0174 877-406-8026

Abram Interstate Insurance Services ACE Recreational Marine Insurance Monarch E&S Insurance Services The Navigators Group

www.abraminterstate.com www.acemarineinsurance.com www.monarchexcess.com www.navg.com

800-955-4465 215-640-2609 877-406-8026 212-244-2333

www.abraminterstate.com www.bvsainsurance.com www.bcoinc.com www.continentalmarineins.com www.continentalriskins.com www.globalpartners-ins.com www.monarchexcess.com www.tca-insurance.com

800-955-4465 800-224-1707 504-210-3620 866-699-2747 866-699-2747 888-240-7843 877-406-8026 770-205-2958

www.abraminterstate.com www.amwins.com www.bvsainsurance.com www.bcoinc.com www.globalspecialrisks.com www.monarchexcess.com

800-955-4465 704-973-3489 800-224-1707 504-210-3620 713-260-1030 877-406-8026

www.abraminterstate.com www.aspenspecialty.com www.burnsandwilcox.com www.gencorpinsurancenetwork.com www.maritimepg.com www.monarchexcess.com www.tca-insurance.com www.transportationrisk.com www.wyverninsurance.com

800-955-4465 646-502-1000 248-932-9000 800-232-0582 800-366-8086 877-406-8026 770-205-2958 800-686-2170 847-852-3160

www.abraminterstate.com www.americanreliable.com www.burnsandwilcox.com www.monarchexcess.com www.tmboatinsurance.com

800-955-4465 480-483-8666 248-932-9000 877-406-8026 800-223-6268

www.abraminterstate.com

800-955-4465

Hull

Marina Boat Dealers Abram Interstate Insurance Services Bruce V. Schneider Associates Burnett & Company Continental Marine Continental Risk Insurance Services Global Partners Insurance Brokers Monarch E&S Insurance Services TCA Marine Insurance Services

Maritime Employers Liability Abram Interstate Insurance Services AmWINS Group Bruce V. Schneider Associates Burnett & Company Global Special Risks Monarch E&S Insurance Services

Ocean Marine Abram Interstate Insurance Aspen Specialty Burns & Wilcox Gencorp Maritime Program Group Monarch E&S Insurance Services TCA Marine Insurance Services Transportation Risk Underwriters Wyvern International Insurance Brokers

Recreational Marine Abram Interstate Insurance Services American Reliable Insurance Company Burns & Wilcox Monarch E&S Insurance Services Terheggen/Malone Marine Insurance Services

Ships & Ship Repairers Abram Interstate Insurance Services

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PROGRAM DIRECTORY AmWINS Group Arrowhead General Insurance Agency LIG Marine Managers Maritime Program Group Monarch E&S Insurance Services SeaBright Insurance Company The American Equity Underwriters

www.amwins.com www.arrowheadgrp.com www.ligmarine.com www.maritimepg.com www.monarchexcess.com www.sbic.com www.amequity.com

704-973-3489 619-881-8733 415-513-5676 800-366-8086 877-406-8026 206-269-8500 866-238-8754

Abram Interstate Insurance Services AmWINS Group Blue River Underwriters Empire Underwriters LowRateWorkComp Monarch E&S Insurance Services Omega Insurance Solutions Sloan Mason Insurance Services TCA Marine Insurance Services The American Equity Underwriters

www.abraminterstate.com www.amwins.com www.blueriveruw.com www.empireunderwriters.com www.lowrateworkcomp.com www.monarchexcess.com www.omega4agents.com www.sloanmason.com www.tca-insurance.com www.amequity.com

800-955-4465 704-973-3489 678-322-3538 800-758-8113 850-625-5190 877-406-8026 866-997-0711 619-325-1719 770-205-2958 866-238-8754

Abram Interstate Insurance Services AmWINS Group Arrowhead General Insurance Agency Diversified Insurance Facilities Global Partners Insurance Brokers Independent Insurance Agents & Brokers of New York Legacy Underwriters Marine Agency Corp Monarch E&S Insurance Services Quaker Special Risk Terheggen/Malone Marine Insurance Services

www.abraminterstate.com www.amwins.com www.arrowheadgrp.com www.diftx.com www.globalpartners-ins.com www.iiabny.org www.legacyunderwriters.com www.marineagency.com www.monarchexcess.com www.qsr-insurance.com www.mlinsurance.com

800-955-4465 704-973-3489 619-881-8733 281-364-8300 888-240-7843 800-962-7950 866-404-0723 800-763-4775 877-406-8026 800-447-4180 800-223-6268

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SE

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USL&H

MARINE

Yacht

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PROGRAM PROGRAMDIRECTORY DIRECTORY

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SE

NE

MEDIA

MEDIA Abram Interstate Insurance Services

www.abraminterstate.com

800-955-4465

All Solutions PBS AmWINS Group ARC Excess & Surplus Donald Gaddis Co. Insurance Services Edgewater Holdings Etowah Insurance Group L.A. Xcess Insurance Brokers Socius Insurance Services ThinkRisk Underwriting Agency

www.allsolutionspbs.com www.amwins.com www.arcbrokers.com www.gaddiscompany.com www.edgewater.net www.theetowahgroup.com www.laxcess.com www.sociusinsurance.com www.thinkriskins.com

888-376-5884 704-973-3489 626-584-5050 312-853-0071 312-431-1767 706-378-3488 818-623-5415 813-281-4400 646-612-7808

www.alliantspecialty.com www.apexinsurance.com www.arrowheadgrp.com www.artexrisk.com www.civicrisk.com www.glatfelters.com

610-539-0300 800-366-1213 619-881-8733 630-694-5050 480-329-4919 717-741-0911

MUNICIPALITIES Alliant Specialty Insurance Services Apex Insurance Services Arrowhead General Insurance Agency Artex Risk Solutions CivicRisk Glatfelter Insurance Group

MUNICIPALITIES NONPROFITS & SOCIAL SERVICES

Loveland & Smart Insurance Services

www.lovelandsmart.com

(916)362-5500

Professional Governmental Underwriters Russell Bond & Co. Specialty Lines Underwriters Unisource Program Administrators XL E&S

www.pgui.com www.russellbond.com www.specialty-lines.com www.unisourcepa.com www.xlcatlin.com

800-586-6502 800-333-7226 262-737-8990 405-728-5116 312-444-6500

www.apexinsurance.com www.brownyardprograms.com www.pgui.com

800-366-1213 800-665-7304 800-586-6502

www.alliantspecialty.com www.amwins.com www.apexinsurance.com www.mybpem.com www.breckis.com www.theetowahgroup.com www.glatfelterpublicpractice.com www.grundy.com www.ipmg.us www.thinkriskins.com

610-539-0300 704-749-2700 800-366-1213 612-766-3827 678-322-3535 706-378-3488 800-233-1957 877-338-4004 888-377-5845 646-612-7808

www.cbic.com www.westernworld.com

800-765-2242 201-847-8600

AFC Insurance B & B Protector Plans Canon Insurance Service Charity First Combined Group Monarch E&SÂ Insurance Services Negley Associates NSM Insurance SterlingRisk Sullivan HealthCare Insurance Services, Inc. Tokio Marine HCC Specialty Group

www.afcins.com www.bbprotectorplans.com www.canoninsurance.com www.charityfirst.com www.combinedgroup.com www.monarchexcess.com www.jjnegley.com www.nsminc.com www.sterlingrisk.com www.sullivanhc.com www.hcc.com

610-866-0401 800-467-8734 310-859-8600 415-536-8438 214-295-1600 877-406-8026 800-548-4301 800-970-9778 800-767-7837 800-252-0355 781-994-6251

Abram Interstate Insurance Services AFC Insurance Anderson & Murison, Inc. Aon Affinity Aon Association Services Balsiger Insurance Charity First Ck Specialty Insurance Associates Combined Group ELM Insurance Brokers FTP

www.abraminterstate.com www.afcins.com www.andersonmurison.com www.aon.com www.aonassociationservices.com www.balsigerinsurance.com www.charityfirst.com www.ckspecialty.com www.combinedgroup.com www.e-o.com www.ftpins.com

800-955-4465 610-866-0401 800-234-6977 800-842-4084 800-432-7465 702-220-8640 415-536-8438 800-411-0083 214-295-1600 800-746-7167 732-679-3700

Police/Law Enforcement Apex Insurance Services Brownyard Programs Professional Governmental Underwriters

Public Entities Alliant Specialty Insurance Services AmWINS Program Underwriters Apex Insurance Services Berkley Public Entity Managers Breckenridge Insurance Services Etowah Insurance Group Glatfelter Public Practice Grundy Insurance Insurance Program Managers Group ThinkRisk

Public Officials Contractors Bonding and Insurance Company Western World Insurance Group

NONPROFITS & SOCIAL SERVICES Addiction, Drug, Alcohol

Adult Care

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PROGRAM DIRECTORY

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Charitable Nonprofits Charity First www.charityfirst.com

S

SE

NE

800-352-2761

Charity First specializes in this unique niche and its individual classes. We offer specialty insurance solutions for everything from community action agencies, counseling centers and group homes to the Boys & Girls Clubs, performing arts groups, vocational/adult schools, YMCAs/YWCAs and much more. Our program is on admitted on A.M. Best rated A+ XV paper.

Abram Interstate Insurance Services All Solutions PBS Alliance of Nonprofits for Insurance, Risk Retention Group Alliant Specialty Insurance Services Alliance Marketing and Insurance Services Aon Association Services Blais Excess & Surplus Agency of Texas Care Providers Insurance Services Charity First Combined Group Cooper & McCloskey Donald Gaddis Co. Insurance Services FirsTier General Agency Fox Point Programs Gateway Specialty Insurance Hyers and Associates Irwin Siegel Agency Jorgensen & Company Markel Specialty Monarch E&S Insurance Services Negley Associates Rockwood Programs Roush Insurance Services RV Nuccio & Associates Tokio Marine HCC Specialty Group Victor O. Schinnerer & Company Western Special Risks XL E&S

www.abraminterstate.com www.allsolutionspbs.com www.insurancefornonprofits.org www.alliantspecialty.com www.amisinsurance.com www.aonassociationservices.com www.blaisexcess.com www.ins-cps.com www.charityfirst.com www.combinedgroup.com www.cmiprorisk.com www.gaddiscompany.com www.firstierga.com www.foxpointprg.com www.gatewayspecialty.com www.ohioinsureplan.com www.siegelagency.com www.jorgensenandcompany.com www.markelinsurance.com www.monarchexcess.com www.jjnegley.com www.rockwoodinsurance.com www.roushins.com www.rvnuccio.com www.hcc.com www.schinnerer.com www.westernspecialrisks.com www.xlcatlin.com

800-955-4465 888-376-5884 800-359-6422 610-539-0300 800-843-8550 202-429-8570 512-894-3460 800-761-7072 415-536-8438 214-295-1600 415-433-7700 312-853-0071 877-906-7944 800-499-7242 877-977-4474 888-901-5650 800-622-8272 201-447-4400 800-431-1270 877-406-8026 973-830-8500 800-558-8808 800-752-8402 800-567-2685 781-994-6251 301-961-9800 888-317-5575 312-444-6500

NONPROFITS & SOCIAL SERVICES PROFESSIONAL, MANAGEMENT & PERSONAL LIABILITY

Social Services Charity First www.charityfirst.com

800-352-2761

Charity First specializes in this unique niche and its individual classes. We offer specialty insurance solutions for everything from community action agencies, counseling centers and group homes to the Boys & Girls Clubs, performing arts groups, vocational/adult schools, YMCAs/YWCAs and much more. Our program is on admitted on A.M. Best rated A+ XV paper.

Abram Interstate Insurance Services AFC Insurance Allstar Financial Group Charity First Combined Group Connecticut Underwriters Gateway Specialty Insurance IMS/London American Monarch E&S Insurance Services NSM Insurance SterlingRisk Tokio Marine HCC Specialty Group USI Affinity Brokerage Services

www.abraminterstate.com www.afcins.com www.allstarfinancialgroup.com www.charityfirst.com www.combinedgroup.com www.ctunderwriters.com www.gatewayspecialty.com www.imslondonamerican.com www.monarchexcess.com www.nsminc.com www.sterlingrisk.com www.hcc.com www.usiaffinity.com

800-955-4465 610-866-0401 800-424-0132 415-536-8438 214-295-1600 800-982-3881 877-977-4474 214-373-3936 877-406-8026 800-970-9778 800-767-7837 781-994-6251 800-265-2876

PROFESSIONAL, MANAGEMENT & PERSONAL LIABILITY Accountants NAS Insurance: Cyber Liability for Accountants www.nasinsurance.com

818-479-4305

The typical accountant and CPA maintains a significant amount of confidential information pertaining to clients. This includes both personal and corporate information. The potential harm to clients, as well as resulting legal liability, may be significant. NetGuard™ Plus is network security and privacy insurance that features simplified underwriting for qualifying applicants. NetGuard™ Plus offers a streamlined application process that simplifies quoting and binding. The applicant who meets program qualifications can choose options from the rate card and request to bind.

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PROGRAM PROGRAMDIRECTORY DIRECTORY

W MW

S

SE

NE Abram Interstate Insurance Services Apogee Insurance Group, a Berkshire Hathaway Company B & B Protector Plans Burns & Wilcox CAMICO CB Malaga Insurance Services Combined Group Fox Point Programs Herbert H. Landy Insurance Jimcor Agencies Jorgensen & Company Monarch E&S Insurance Services National Insurance Partners Pearl Insurance Tokio Marine HCC Specialty Group TuscanoPro USI Affinity Brokerage Services

PROFESSIONAL, MANAGEMENT & PERSONAL LIABILITY

www.abraminterstate.com www.apogeeinsgroup.com www.bbprotectorplans.com www.burnsandwilcox.com www.camico.com www.cbspecialty.com www.combinedgroup.com www.foxpointprg.com www.landy.com www.jimcor.com www.jorgensenandcompany.com www.monarchexcess.com www.nationalinsurancepartners.com www.pearlinsurance.com www.hcc.com www.tuscanopro.com www.usiaffinity.com

800-955-4465 888-927-6433 877-566-4017 248-932-9000 800-652-1772 877-245-5887 214-295-1600 800-499-7242 800-336-5422 800-334-0474 201-447-4400 877-406-8026 602-490-3270 800-447-4982 781-994-6251 866-442-8063 800-265-2876

Architects & Engineers Freberg Environmental Engineers, Laboratories, Consultants & Contractors www.feiinsurance.com 800-377-4152 The Freberg Engineers, Laboratories, Consultants & Contractors program writes A&E, consultants and laboratories, and has now expanded to include O&G consultants, contractors professional and roustabouts.

Hill Programs www.Hillprograms.com

877-778-1114

Hill Program Managers, LLC provides professional liability and contractor’s pollution liability for architects, engineers, construction managers, design/build firms and contractors. Limits of liability are available up to $5,000,000.

Access E&S Insurance All Solutions PBS Arrowhead General Insurance Agency Breckenridge Insurance Services Burns & Wilcox CB Malaga Insurance Services Combined Group CorRisk Solutions CRES Insurance Services Donald Gaddis Co. Insurance Services ELM Insurance Brokers Etowah Insurance Group Fox Point Programs Freberg Environmental Insurance Gateway Underwriters Agency Grapevine Insurancebrokers Jorgensen & Company Logic Underwriters Monarch E&S Insurance Services NeitClem Wholesale Insurance Brokerage New Day Underwriting Managers PGI Commercial Professional Underwriters Agency Shelly, Middlebrooks & O’Leary Socius Insurance Services Sullivan Brokers Wholesale Insurance Solutions Tennant Risk Services Tokio Marine HCC Specialty Group TuscanoPro

www.access-es.com www.allsolutionspbs.com www.arrowheadgrp.com www.breckis.com www.burnsandwilcox.com www.cbspecialty.com www.combinedgroup.com www.corrisksolutions.com www.cresprograms.com www.gaddiscompany.com www.e-o.com www.theetowahgroup.com www.foxpointprg.com www.feiinsurance.com www.gua-stl.com www.grapevineinsurancebrokers.com www.jorgensenandcompany.com www.logicinsurance.com www.monarchexcess.com www.neitclem.com www.newdayunderwriting.com www.pgicommercial.com www.puainc.com www.shellyins.com www.sociusinsurance.com www.sbwis.com www.tennant.com www.hcc.com www.tuscanopro.com

619-462-1128 888-376-5884 619-881-8733 678-322-3535 248-932-9000 877-245-5887 214-295-1600 404-869-1020 877-257-2737 312-853-0071 800-746-7167 706-378-3488 800-499-7242 720-931-2122 800-325-7652 707-251-8518 201-447-4400 214-739-0071 877-406-8026 612-454-4402 217-371-3732 973-631-7575 630-572-0600 800-342-2498 415-778-0310 213-626-1000 860-519-1301 781-994-6251 866-442-8063

www.abraminterstate.com www.arisksolutions.com www.burnsandwilcox.com www.charityfirst.com www.combinedgroup.com www.commodoreins.com www.cbic.com www.firstchoiceii.com

800-955-4465 913-385-2455 248-932-9000 415-536-8438 214-295-1600 877-247-2500 800-765-2242 866-821-9572

Business Owners Abram Interstate Insurance Services Advanced Risk Solutions Burns & Wilcox Charity First Combined Group Commodore Insurance Services Contractors Bonding and Insurance Company First Choice Insurance Intermediaries

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PROGRAM DIRECTORY

W MW Grapevine Insurance Brokers Insurance Cloud Marketing Services International Underwriting Agency KZ Insurance Brokerage Monarch E&S Insurance Services Tokio Marine HCC Specialty Group

www.grapevineinsurancebrokers.com www.icloudmarketing.org www.iua.bz www.kzib.com www.monarchexcess.com www.hcc.com

707-251-8518 877-465-7473 718-461-8088 530-926-6030 877-406-8026 781-994-6251

Abram Interstate Insurance Services Apollo General Insurance Agency Avant AU Based Brightstone Insurance Services Burns & Wilcox Combined Group IPC Monarch E&S Insurance Services National Indemnity Company Tokio Marine HCC Specialty Group

www.abraminterstate.com www.apgen.com www.avant.org.au www.brightstoneins.com www.burnsandwilcox.com www.combinedgroup.com www.ipc-nv.com www.monarchexcess.com www.nationalindemnity.com www.hcc.com

800-955-4465 800-624-5829 800-228-268 877-862-4755 248-932-9000 214-295-1600 775-782-6655 877-406-8026 402-916-3000 781-994-6251

www.abraminterstate.com www.bsrins.com www.burnsandwilcox.com www.breckis.com www.csrisks.com www.combinedgroup.com www.eiipro.com www.foxpointprg.com www.landy.com www.kinginsuranceca.com www.monarchexcess.com www.synergy-ins.com www.hcc.com www.titlepac.com www.vgmsu.com

800-955-4465 800-768-7475 248-932-9000 678-322-3535 800-956-7047 214-295-1600 800-355-1185 800-499-7242 800-336-5422 800-488-4096 877-406-8026 973-995-0500 781-994-6251 800-331-9759 913-433-2331

S

SE

NE

Couriers PROFESSIONAL, MANAGEMENT & PERSONAL LIABILITY

Home Inspectors Abram Interstate Insurance Services Bailey Special Risks Burns & Wilcox Breckenridge Insurance Services Capitol Special Risks Combined Group Elite MGA Fox Point Programs Herbert H. Landy Insurance King Insurance Support Systems Monarch E&S Insurance Services Synergy Professional Associates Tokio Marine HCC Specialty Group TitlePac VGM Specialty Underwriters

Insurance Agents & Brokers NAS Insurance: Cyber Liability for Insurance Agents www.nasinsurance.com

818-479-4305

The typical insurance agency maintains a significant amount of confidential information pertaining to clients. This includes both personal and corporate information. The potential harm to clients, as well as resulting legal liability, may be significant. NetGuard™ Plus is network security and privacy insurance that features simplified underwriting for qualifying applicants. NetGuard™ Plus offers a streamlined application process that simplifies quoting and binding. The applicant who meets program qualifications can choose options from the rate card and request to bind.

All Solutions PBS ARC Excess & Surplus Ark-La-Tex Underwriters Arrowhead General Insurance Agency Artisan Risk and Insurance Services Bailey Special Risks Burns & Wilcox CB Malaga Insurance Services CITA Insurance Services Combined Group Commercial Insurance Group Construction Insurance Partners Cooper & McCloskey ELM Insurance Brokers Fox Point Programs Independent Insurance Agents & Brokers of New York Insurance Planning & Service Co. Jimcor Agencies K.L. Owens & Associates Kevin Dahlke Insurance Brokerage King Insurance Support Systems Klinger Associates Lee & Mason Financial Services Logic Underwriters

www.allsolutionspbs.com www.arcbrokers.com www.altuonline.com www.arrowheadgrp.com www.artisanrisk.com www.bsrins.com www.burnsandwilcox.com www.cbspecialty.com www.citainsurance.com www.combinedgroup.com www.cig-llc.biz www.cip-stl.com www.cmiprorisk.com www.e-o.com www.foxpointprg.com www.iiabny.org www.ipscoagency.com www.jimcor.com www.klowensassociates.com www.dahlkeinsurance.com www.kinginsuranceca.com www.klinger-insurance.com www.leeandmason.com www.logicinsurance.com

888-376-5884 626-584-5050 318-798-7703 619-881-8733 857-233-0071 800-768-7475 248-932-9000 877-245-5887 800-280-7250 214-295-1600 877-737-8054 800-316-4031 415-433-7700 800-746-7167 800-499-7242 800-962-7950 800-347-1109 800-334-0474 770-855-4723 619-287-8613 800-488-4096 317-845-9890 800-533-9469 214-739-0071

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PROFESSIONAL, MANAGEMENT & PERSONAL LIABILITY

Mercator Risk Services Midlands Management Corporation Modern Insurance Consultants Monarch E&S Insurance Services Number One Insurance Agency Professional Underwriters Agency ProSight Specialty Insurance ProSurance Group RMIS Rockwood Programs Russell Bond & Co. RWISI Shelly, Middlebrooks & O’Leary South Texas General Insurance Agency Sullivan Brokers Wholesale Insurance Solutions Sun Coast General Insurance Swiss Re Tennant Risk Services ThinkRisk Tokio Marine HCC Specialty Group US E&O Brokers WKFC Underwriting Managers

www.mercatorpro.com www.midlandsmgt.com www.modernins.com www.monarchexcess.com www.massagent.com www.puainc.com www.prosightspecialty.com www.prosurancegroup.com www.rmismga.com www.rockwoodinsurance.com www.russellbond.com www.rwisi.com www.shellyins.com www.stgia.com www.sbwis.com www.suncoastinsurance.com www.swissre.com www.tennant.com www.thinkriskins.com www.hcc.com www.useo.com www.wkfc.com

860-280-2146 405-840-0074 305-248-9495 877-406-8026 914-684-2000 630-572-0600 973-532-1900 800-310-4486 714-738-1383 800-558-8808 800-333-7226 813-220-9220 800-342-2498 800-873-6500 213-833-6185 800-300-8838 913-676-5200 860-519-1301 646-612-7808 781-994-6251 800-460-6424 480-329-4919

Abram Interstate Insurance Services Allen Financial Insurance/The Equestrian Group Burns & Wilcox Combined Group GJ Sullivan Company Harbor America Indemnity Excess and Surplus Agency Monarch E&S Insurance Services Specialty Risk Associates TAPCO Underwriters The McGraw Group Tokio Marine HCC Specialty Group USASIA Insurance Services Western Heritage Insurance Company

www.abraminterstate.com www.eqgroup.com www.burnsandwilcox.com www.combinedgroup.com www.gjsullivan.com www.hapeo.com www.ies-xs.com www.monarchexcess.com www.specialty-risk.com www.gotapco.com www.mcgrawgroup.com www.hcc.com www.usasia-ins.com www.westernheritageins.com

800-955-4465 800-874-9191 248-932-9000 214-295-1600 714-621-2300 800-845-5695 800-487-2442 877-406-8026 318-683-6209 800-334-5579 800-303-5000 781-994-6251 909-618-0288 800-873-9442

Janitorial

Lawyers NAS Insurance: Cyber Liability for Lawyers www.nasinsurance.com

818-479-4305

The typical law firm maintains a significant amount of confidential information pertaining to clients and ongoing litigation. This includes both personal and corporate information. The potential harm to clients, as well as resulting legal liability, may be significant. NetGuard™ Plus is network security and privacy insurance that features simplified underwriting for qualifying applicants. NetGuard™ Plus offers a streamlined application process that simplifies quoting and binding. The applicant who meets program qualifications can choose options from the rate card and request to bind.

Abram Interstate Insurance Services American Team Managers Insurance Services ARC Excess & Surplus B & B Protector Plans Bailey Special Risks Balsiger Insurance Burns & Wilcox Centurion Insurance Group Concord Specialty Risk Combined Group Fox Point Programs Herbert H. Landy Insurance IFL for Lawyers James River Insurance Company Jimcor Agencies Jorgensen & Company Lawyer's Protector Plan Monarch E&S Insurance Services Number One Insurance Agency People’s United Insurance Agency

www.abraminterstate.com www.atminsurance.com www.arcbrokers.com www.bbprotectorplans.com www.bsrins.com www.balsigerinsurance.com www.burnsandwilcox.com www.centurionusa.com www,concordspecialtyrisk.com www.combinedgroup.com www.foxpointprg.com www.landy.com www.iflforlawyers.com www.jamesriverins.com www.jimcor.com www.jorgensenandcompany.com www.lawyers.protectorplan.com www.monarchexcess.com www.massagent.com www.peoples.com/insurance

800-955-4465 800-888-9891 626-584-5050 877-566-4017 800-768-7475 702-220-8640 248-932-9000 800-258-3056 212-784-5678 214-295-1600 800-499-7242 800-336-5422 800-970-9778 804-289-2700 800-334-0474 201-447-4400 800-336-5529 877-406-8026 914-684-2000 800-543-3827

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PROGRAM DIRECTORY

W MW Professional Underwriters Agency Program Brokerage Corporation Swiss Re Target Professional Programs (formerly 5Star Professional) Tennant Risk Services Tokio Marine HCC Specialty Group USI Affinity Brokerage Services Willis Programs: LawyerGuard® WKFC Underwriting Managers

www.puainc.com www.programbrokerage.com www.swissre.com www.targetproins.com www.tennant.com www.hcc.com www.usiaffinity.com www.willisprograms.com www.wkfc.com

630-572-0600 866-607-8370 913-676-5200 312-855-2042 860-519-1301 781-994-6251 800-265-2876 813-490-4924 480-329-4919

Real Estate E&O Norman-Spencer Agency www.norman-spencer.com

888-713-0771

Norman-Spencer’s Real Estate Errors & Omissions Program is designed to address the specific needs of real estate firms, large and small. Our program provides one of the most comprehensive policy coverage forms available in the market today, and our rates are highly competitive.

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Real Estate Agents & Brokers New Empire Group www.newempiregroup.com

866-431-8100

Programs and products include PRIME Umbrella/Excess Liability for condominiums, cooperatives, community associations, apartment buildings, senior housing, office buildings and other commercial real estate classes; CondoPak package policy for condominiums, cooperatives and community associations; Property Managers Errors & Omissions for property managers and real estate professionals; Storage Tank & Site Pollution for community associations and apartment buildings; Cyber Liability for community associations, property owners and property managers; and Directors & Officers Liability for community associations.

Abram Interstate Insurance Services All Solutions PBS ARC Excess & Surplus Arrowhead General Insurance Agency Bailey Special Risks Balsiger Insurance Burns & Wilcox CITA Insurance Services Combined Group Connecticut Underwriters Construction Insurance Partners Fox Point Programs Gateway Underwriters Agency Herbert H. Landy Insurance Logic Underwriters Monarch E&S Insurance Services National Specialty Underwriters Overby Seawell Co. SterlingRisk Sullivan Brokers Wholesale Insurance Solutions Sun Coast General Insurance Synergy Professional Associates TitlePac Tennant Risk Services Tokio Marine HCC Specialty Group USI Affinity Brokerage Services

www.abraminterstate.com www.allsolutionspbs.com www.arcbrokers.com www.arrowheadgrp.com www.bsrins.com www.balsigerinsurance.com www.burnsandwilcox.com www.citainsurance.com www.combinedgroup.com www.ctunderwriters.com www.cip-stl.com www.foxpointprg.com www.gua-stl.com www.landy.com www.logicinsurance.com www.monarchexcess.com www.nsui.com www.oscis.com www.sterlingrisk.com www.sbwis.com www.suncoastinsurance.com www.synergy-ins.com www.titlepac.com www.tennant.com www.hcc.com www.usiaffinity.com

800-955-4465 888-376-5884 626-584-5050 619-881-8733 800-768-7475 702-220-8640 248-932-9000 800-280-7250 214-295-1600 800-982-3881 800-316-4031 800-499-7242 800-325-7652 800-336-5422 214-739-0071 877-406-8026 425-213-5130 800-432-1258 800-767-7837 213-833-6185 800-300-8838 973-995-0500 800-331-9759 860-519-1301 781-994-6251 800-265-2876

Burns & Wilcox Combined Group Fox Point Programs Herbert H. Landy Insurance Monarch E&S Insurance Services TitlePac Tokio Marine HCC Specialty Group

www.burnsandwilcox.com www.combinedgroup.com www.foxpointprg.com www.landy.com www.monarchexcess.com www.titlepac.com www.hcc.com

248-932-9000 214-295-1600 800-499-7242 800-336-5422 877-406-8026 800-331-9759 781-994-6251

Abram Interstate Insurance Services American Business Insurance Services Burns & Wilcox

www.abraminterstate.com www.abiinsurance.com www.burnsandwilcox.com

800-955-4465 800-980-1950 248-932-9000

Real Estate Appraisals

Self-Insured

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Programs That Work PROGRAM PROGRAMDIRECTORY DIRECTORY

Committed to Our Agents, Our industry and Our Community

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illis Programs has been a leading provider of unique commercial insurance programs for more than 50 years. We draw on our extensive program and insurance experience to deliver specialty products and services to targeted businesses in over 36 niche markets. Our insurance programs are distributed through independent agents and brokers nationwide. Writing business with us is easy. Contact us today to learn how we can help you service your clients and grow your book of business.

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A few industry sectors we serve: PROGRAM DIRECTORY

AUTO & TRUCK DEALERS

EnViROnMEnTAL

RESORTS & HOA’S

PiZZA DELiVERy

METALS & PLASTiCS MAnUFACTURinG

HEALTHCARE

RECyCLinG & wASTE

LAwyERS

COLLECTiOnS

Portsmouth Harbor, New Hampshire

Contact us to lean more about our program offerings.

603-334-3000 • www.willisprograms.com

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NE Combined Group Epic Intermediaries, Inc. Loveland & Smart Insurance Services Midwest Employers Casualty Company Monarch E&S Insurance Services Sunderland Insurance Services Tokio Marine HCC Specialty Group

www.combinedgroup.com www.epicintermediaries.com www.lovelandsmart.com www.mwecc.com www.monarchexcess.com www.sunderlandins.com www.hcc.com

214-295-1600 856-380-0217 916-362-5500 636-449-7000 877-406-8026 925-942-4020 781-994-6251

Abram Interstate Insurance Services Burns & Wilcox Combined Group Corporate Risk Services CoverXSpecialty Monarch E&S Insurance Services ProWriters Tokio Marine HCC Specialty Group

www.abraminterstate.com www.burnsandwilcox.com www.combinedgroup.com www.midwestrisk.net www.coverx.com www.monarchexcess.com www.prowritersins.com www.hcc.com

800-955-4465 248-932-9000 214-295-1600 800-440-7475 800-762-6837 877-406-8026 484-321-2335 781-994-6251

Abram Interstate Insurance Services Agency Marketing Services Burns & Wilcox Capitol Special Risks Combined Group Commercial Sector Insurance Brokers Fox Point Programs Gilbert Trujillo Insurance Services Herbert H. Landy Insurance Hull & Company

www.abraminterstate.com www.agencymarketing.com www.burnsandwilcox.com www.csrisks.com www.combinedgroup.com www.comsectorins.com www.foxpointprg.com www.1bondsinsurance.com www.landy.com www.hullco.com

800-955-4465 727-384-1036 248-932-9000 800-956-7047 214-295-1600 205-776-1600 800-499-7242 505-314-9203 800-336-5422 954-527-4855

International Transportation & Marine Agency

www.itmagency.com

480-556-0200

M.J. Kelly Company

www.mjkelly.com

318-742-8211

Mid-Continent General Agency Monarch E&S Insurance Services Pacific Gateway Insurance Agency Park Insurance Company Professional Liability Specialists Synergy Professional Associates TitlePac Tokio Marine HCC Specialty Group

www.mid-continentga.com www.monarchexcess.com www.pgiainsurance.com www.parkinsuranceco.com www.plsins.com www.synergy-ins.com www.titlepac.com www.hcc.com

713-965-6900 877-406-8026 800-354-4844 212-905-2604 973-422-1121 973-995-0500 800-331-9759 781-994-6251

www.allrisks.com www.amisinsurance.com www.surpluslines.com www.brownyardprograms.com www.burnsandwilcox.com www.ctunderwriters.com www.costanzainsurance.com www.coverx.com www.IzzoInsurance.com www.monarchexcess.com www.onpointunderwriting.com www.oryxinsurance.com www.sigmaprograms.com www.mechanicgroup.com www.veracityins.com

800-366-5810 800-843-8550 800-554-3301 800-665-7304 248-932-9000 800-982-3881 800-346-0942 800-762-6837 800-800-1704 877-406-8026 888-996-7600 607-724-0173 954-893-1720 800-214-0207 866-395-1308

www.allrisks.com www.amwins.com www.blueriveruw.com www.burnsandwilcox.com www.constructioninsurancesolutions.com www.coverx.com www.monarchexcess.com www.oryxinsurance.com www.relmark.net

800-366-5810 704-973-3489 678-322-3538 248-932-9000 800-842-3653 800-762-6837 877-406-8026 607-724-0173 800-874-5880

Small Businesses PROFESSIONAL, MANAGEMENT & PERSONAL LIABILITY PROTECTION & SECURITY

Title Agents

PROTECTION & SECURITY Alarm All Risks, Ltd. Alliance Marketing and Insurance Services Anchor Bay Insurance Managers Brownyard Programs Burns & Wilcox Connecticut Underwriters Costanza Insurance Agency CoverXSpecialty Izzo Insurance Services Monarch E&S Insurance Services OnPoint Underwriting Oryx Insurance Brokerage Sigma Underwriting Managers The Mechanic Group Veracity Insurance Solutions

Fire Protection/Sprinkler All Risks, Ltd. AmWINS Group Blue River Underwriters Burns & Wilcox Construction Insurance Solutions CoverXSpecialty Monarch E&S Insurance Services Oryx Insurance Brokerage RelMark Program Managers

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Firearms Burns & Wilcox Firearms Insurance Agent Cochrane & Company Costanza Insurance Agency Joseph Chiarello & Co. MMD Brokers Monarch E&S Insurance Services

www.burnsandwilcox.com www.firearmsinsuranceagent.com www.cochraneco.com www.costanzainsurance.com www.guninsurance.com www.mmdbrokers.com www.monarchexcess.com

248-932-9000 877-776-4015 800-441-4535 800-346-0942 800-526-2199 505-554-1571 877-406-8026

www.bsrins.com www.burnsandwilcox.com www.monarchexcess.com www.piu.org www.privateclientinsurancegroup.com

800-768-7475 248-932-9000 877-406-8026 800-345-8816 866-540-9101

www.amisinsurance.com www.brownyardprograms.com www.burnsandwilcox.com www.costanzainsurance.com www.coverx.com www.monarchexcess.com www.pisginsurance.com

800-843-8550 800-665-7304 248-932-9000 800-346-0942 800-762-6837 877-406-8026 888-728-2746

www.brownyard.com www.brownyardprograms.com www.burnsandwilcox.com www.bsgins.com www.capitol.net www.ckspecialty.com www.costanzainsurance.com www.coverx.com www.izzoinsurance.com www.monarchexcess.com www.mechanicgroup.com www.veracityins.com www.robertwrightinsurance.com

800-645-5820 800-665-7304 248-932-9000 877-404-4299 608-829-4208 800-411-0083 800-346-0942 800-762-6837 800-800-1704 877-406-8026 800-214-0207 866-395-1308 949-489-1833

Kidnap, Ransom, Extortion Bailey Special Risks Burns & Wilcox Monarch E&S Insurance Services Petersen International Underwriters Private Client Insurance Group

Private Investigators Alliance Marketing and Insurance Services Brownyard Programs Burns & Wilcox Costanza Insurance Agency CoverXSpecialty Monarch E&S Insurance Services Nagashima Pavarini

PROTECTION & SECURITY REAL ESTATE

Security Guards Brownyard Group Brownyard Programs Burns & Wilcox Buy Security Guard Insurance Capitol Insurance Companies Ck Specialty Insurance Associates Costanza Insurance Agency CoverXSpecialty Izzo Insurance Services Monarch E&S Insurance Services The Mechanic Group Veracity Insurance Solutions Wright Insurance Services

REAL ESTATE Apartments New Empire Group www.newempiregroup.com

866-431-8100

Programs and products include PRIME Umbrella/Excess Liability for condominiums, cooperatives, community associations, apartment buildings, senior housing, office buildings and other commercial real estate classes; CondoPak package policy for condominiums, cooperatives and community associations; Property Managers Errors & Omissions for property managers and real estate professionals; Storage Tank & Site Pollution for community associations and apartment buildings; Cyber Liability for community associations, property owners and property managers; and Directors & Officers Liability for community associations.

Abram Interstate Insurance Services Advanced E&S Group - Southeast Region Agostini Wholesale Insurance All Risks, Ltd. American Underwriting Managers AmWINS Group Appleby & Sterling Ark-La-Tex Underwriters Arrowhead General Insurance Agency Balsiger Insurance Bass Underwriters Benchmark Management Group Burns & Wilcox Cabrillo Coastal General Insurance CIBA Insurance Services Combined Group

www.abraminterstate.com www.advancedesgroup.com www.cidinsurance.com www.allrisks.com www.auminsur.com www.amwins.com www.applebyandsterling.com www.altuonline.com www.arrowheadgrp.com www.balsigerinsurance.com www.bassuw.com www.bmgins.com www.burnsandwilcox.com www.cabgen.com www.cibaservices.com www.combinedgroup.com

800-955-4465 954-842-7826 800-922-7283 800-366-5810 866-219-0427 704-973-3489 805-583-9828 318-798-7703 619-881-8733 702-220-8640 888-422-7715 630-778-7000 248-932-9000 858-244-0550 818-638-8525 214-295-1600

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REAL ESTATE

Connecticut Underwriters Conway E & S Core Programs Dunfield Wholesale Insurance Brokers Distinguished Programs FTP GJ Sullivan Company Gray-Stone & Company Horizon E & S Insurance Brokerage IIABCal Insurance Programs of America Jimcor Agencies JMR Excess & Surplus Insurance Services K&M Henderson Insurance Services McClelland and Hine Med James Metcom Excess Monarch E&SÂ Insurance Services NeitClem Wholesale Insurance Brokerage New Empire Group Northern States Agency Pacific Coast E&S Insurance Services Patriot National Underwriters Preferred Property Programs Program Brokerage Corporation Red Shield Insurance Company RLA Insurance Intermediatries RoundHill Express South Texas General Insurance Agency Southwest Risk Sovereign Group International Specialty Lines Underwriters Specialty Programs & Facilities Managers (AmWINS) SterlingRisk Strickland General Agency of Florida TAPCO Underwriters Tennant Risk Services The Central Agency The Lewis Chester Group Towerstone UCA General Insurance Services VGM Specialty Underwriters Western Security Surplus Insurance Brokers Wholesale Brokerage & Insurance Services

www.ctunderwriters.com www.conwayes.com www.core-programs.com www.dunfield.biz www.distinguished.com www.ftpins.com www.gjsullivan.com www.gray-stone.com www.horizonsurplus.com www.iiabcal.org www.ipoausa.com www.jimcor.com www.jmrexcess.com www.hendersoninsure.com www.mhi-tx.com www.medjames.com www.metcomexcess.com www.monarchexcess.com www.neitclem.com www.neeis.com www.nsa-mga.com www.pacificcoastes.com www.patriotnational.com www.ppp-quotes.com www.programbrokerage.com www.redshield.com www.abinsurance.com www.roundhillexpress.com www.stgia.com www.swrisk.com www.sovereignins.com www.specialty-lines.com www.amwins.com/spfm www.sterlingrisk.com www.sgainfl.com www.gotapco.com www.tennant.com www.thecentralagency.com www.lewischester.com www.towerstonecorp.com www.towerstonecorp.com www.vgmsu.com www.wssib.com www.wholesalebrokerins.com

800-982-3881 800-748-9520 877-585-4048 800-899-6922 888-355-4626 732-679-3700 714-621-2300 805-494-4440 805-494-6553 800-772-8998 407-260-8200 800-334-0474 866-954-9990 916-788-8191 800-580-4463 800-255-6503 201-641-5100 877-406-8026 612-454-4402 877-856-9231 800-328-0828 800-772-8538 800-291-6846 877-547-4671 866-607-8370 800-527-7397 617-419-2600 718-576-2680 800-873-6500 214-206-4900 800-843-0843 262-737-8990 866-308-7736 800-767-7837 877-669-8886 800-334-5579 860-519-1301 800-678-1642 908-273-6100 972-725-2100 972-725-2100 913-433-2331 800-733-5844 877-270-7362

www.allrisks.com www.amwins.com www.bostonbrokerage.com www.buainsurance.com www.burnsandwilcox.com www.cabgen.com www.coastalagentsalliance.com www.combinedgroup.com www.cig-llc.biz www.ctunderwriters.com www.decotisinsurance.com www.distinguished.com www.excelins.com www.geoveraholdingsinc.com www.insential.com www.icat.com www.keithdpeterson.com www.macneillgroup.com www.monarchexcess.com www.napcollc.com www.selectinsurancemarkets.com www.swett.com

800-366-5810 704-973-3489 866-331-1997 888-772-5005 248-932-9000 858-244-0550 609-390-1645 214-295-1600 877-737-8054 800-982-3881 781-794-1400 888-355-4626 877-530-0111 707-863-3700 888-571-6160 303-447-1155 804-643-7800 800-432-3072 877-406-8026 723-549-5222 800-489-2501 404-240-5200

Coastal Property All Risks, Ltd. AmWINS Group Boston Insurance Brokerage BUA Burns & Wilcox Cabrillo Coastal General Insurance Coastal Agents Alliance Combined Group Commercial Insurance Group Connecticut Underwriters DeCotis Insurance Associates Distinguished Programs Excel Insurance Services GeoVera Holdings Insential International Catastrophe Insurance Managers Keith D. Peterson & Company MacNeill Group Monarch E&SÂ Insurance Services Napco Select Insurance Markets Swett & Crawford

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PROGRAM DIRECTORY

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Condos Abram Interstate Insurance Services Advanced AFG Risk Services All Risks, Ltd. AmWINS Group Blais Excess & Surplus Agency of Texas Burns & Wilcox Cabrillo Coastal General Insurance CIBA Insurance Services Coastal Agents Alliance Combined Group Core Programs Distinguished Programs First American Property & Casualty Insurance Co. Gerald J. Wilkoff Horizon E & S Insurance Brokerage Ian H. Graham Insurance InSmart Risk Purchasing Group Insurance Center Special Risks Limited Kevin Davis Insurance Services Lighthouse Property Insurance Corporation Monarch E&S Insurance Services

www.abraminterstate.com www.eventshield.com www.allrisks.com www.amwins.com www.blaisexcess.com www.burnsandwilcox.com www.cabgen.com www.cibaservices.com www.coastalagentsalliance.com www.combinedgroup.com www.core-programs.com www.distinguished.com www.firstam.com www.wilkoffbonds.com www.horizonsurplus.com www.ihginsurance.com ww.insmartnational.com www.specialrisksltd.com www.kdisonline.com www.lighthousepropertyins.com www.monarchexcess.com

800-955-4465 203-267-4661 800-366-5810 704-973-3489 512-894-3460 248-932-9000 858-244-0550 818-638-8525 609-390-1645 214-295-1600 877-585-4048 888-355-4626 888-474-7500 516-747-0200 805-494-6553 800-621-2324 914-607-5020 888-773-7475 877-807-8708 888-544-4885 877-406-8026

New Empire Group

www.newempiregroup.com

516-431-8300

Preferred Concepts Preferred Property Programs Sigma Underwriting Managers Specialty Programs & Facilities Managers (AmWINS) SterlingRisk TAPCO Underwriters The Central Agency UCA General Insurance Services VGM Specialty Underwriters Vilage & Company Vision One Insurance Services

www.preferredconcepts.com www.ppp-quotes.com www.sigmaprograms.com www.amwins.com/spfm www.sterlingrisk.com www.gotapco.com www.thecentralagency.com www.ucageneral.com www.vgmsu.com www.vilageco.com www.visiononeinsurance.com

212-608-4800 877-547-4671 954-893-1720 866-308-7736 800-767-7837 800-334-5579 800-678-1642 800-222-5582 913-433-2331 212-796-6109 800-557-4119

www.arrowheadgrp.co www.burnsandwilcox.com www.combinedgroup.com www.distinguished.com www.gicunderwriters.com www.gjsullivan.com www.monarchexcess.com www.pennockins.com

619-881-8733 248-932-9000 214-295-1600 888-355-4626 305-554-0353 714-621-2300 877-406-8026 800-662-5182

REAL ESTATE

Foreclosure Properties Arrowhead General Insurance Agency Burns & Wilcox Combined Group Distinguished Programs GIC Underwriters GJ Sullivan Company Monarch E&S Insurance Services Pennock Insurance

Lessor’s Risk NAS Insurance: Miscellaneous E&O for Property Managers www.nasinsurance.com 818-479-4304 NAS Insurance’s Property Managers and Lessors program offers a robust and targeted insurance solution that is tailored for the unique needs and exposures of a residential and/ or commercial property management or leasing firm. The program offers a streamlined application process that simplifies quoting and binding. The applicant who meets program qualifications can request to bind without waiting for a quote.

Abram Interstate Insurance Services Advanced AFG Risk Services Agostini Wholesale Insurance AmWINS Group Atlantic Specialty Lines Burns & Wilcox Combined Group Distinguished Programs DMI Insurance Services, Inc. Dunfield Wholesale Insurance Brokers GJ Sullivan Company GSS Insurance Services KZ Insurance Brokerage Monarch E&S Insurance Services Specialty Programs & Facilities Managers (AmWINS)

www.abraminterstate.com www.eventshield.com www.cidinsurance.com www.amwins.com www.atlanticspecial.com www.burnsandwilcox.com www.combinedgroup.com www.distinguished.com www.dmi-insurance.com www.dunfield.biz www.gjsullivan.com www.gssinsurance.com www.kzib.com www.monarchexcess.com www.amwins.com/spfm

800-955-4465 203-267-4661 800-922-7283 704-973-3489 877-545-9100 248-932-9000 214-295-1600 888-355-4626 800-877-2525 800-899-6922 714-621-2300 760-947-5500 530-926-6030 877-406-8026 866-308-7736

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PROGRAM PROGRAMDIRECTORY DIRECTORY

W MW

S

SE

Specialty Risk Associates TAPCO Underwriters WKFC Underwriting Managers

NE

www.specialty-risk.com www.gotapco.com www.wkfc.com

318-683-6209 800-334-5579 480-329-4919

www.burnsandwilcox.com www.cabgen.com www.cnico.com www.combinedgroup.com www.distinguished.com www.foremost.com www.thehelpfulpeople.com www.monarchexcess.com

248-932-9000 858-244-0550 800-760-5001 214-295-1600 888-355-4626 800-237-6136 800-869-2022 877-406-8026

www.abraminterstate.com www.arrowheadgrp.com www.burnsandwilcox.com www.cabgen.com www.combinedgroup.com www.autoinsureit.com www.eibdirect.com www.specialrisksltd.com www.insurancehouse.com www.jebrown.net www.kinginsuranceca.com www.monarchexcess.com www.natlloyds.com www.shoemaker-besser.com www.stgia.com www.thecentralagency.com

800-955-4465 619-881-8733 248-932-9000 858-244-0550 214-295-1600 631-758-6782 877-678-7342 888-773-7475 800-282-7024 800-955-8213 800-488-4096 877-406-8026 480-951-0905 800-632-9002 800-873-6500 800-678-1642

www.abraminterstate.com www.aesins.com www.advancedesgroup.com www.aui-inc.com www.braishfield.com www.burnsandwilcox.com www.cibaservices.com www.combinedgroup.com www.distinguished.com www.iiigroup.com www.icat.com www.kzib.com www.meadowbrook.com www.monarchexcess.com www.ppp-quotes.com www.preferredre.com www.sterlingrisk.com www.ucageneral.com www.vilageco.com www.wkfc.com

800-955-4465 866-867-0505 407-461-7221 800-993-0024 888-335-6616 248-932-9000 818-638-8525 214-295-1600 888-355-4626 800-523-6422 303-447-1155 530-926-6030 800-482-2726 877-406-8026 888-548-2465 803-790-4800 800-767-7837 800-222-5582 212-796-6109 480-329-4919

www.abraminterstate.com www.burnsandwilcox.com www.combinedgroup.com www.distinguished.com www.dunfield.biz www.ies-xs.com www.monarchexcess.com www.amwins.com/spfm www.gotapco.com www.usasia-ins.com

800-955-4465 248-932-9000 214-295-1600 888-355-4626 800-899-6922 800-487-2442 877-406-8026 866-308-7736 800-334-5579 909-618-0288

Manufactured Homes Burns & Wilcox Cabrillo Coastal General Insurance Century National Insurance Company Combined Group Distinguished Programs Foremost Grand General Agency Monarch E&S Insurance Services

REAL ESTATE

Mobile Homes Abram Interstate Insurance Services Arrowhead General Insurance Agency Burns & Wilcox Cabrillo Coastal General Insurance Combined Group Combined Resources Evolution Insurance Brokers Insurance Center Special Risks Limited Insurance House J.E. Brown & Associates King Insurance Support Systems Monarch E&S Insurance Services National Lloyds Insurance Company Shoemaker & Besser Associates South Texas General Insurance Agency The Central Agency

Office Buildings Abram Interstate Insurance Services Advanced E&S Group - Midwest Region Advanced E&S Group - Southeast Region AUI Braishfield Associates Burns & Wilcox CIBA Insurance Services Combined Group Distinguished Programs Insurance Innovators International Catastrophe Insurance Managers KZ Insurance Brokerage Meadowbrook Insurance Group Monarch E&S Insurance Services Preferred Property Programs Preferred Specialty SterlingRisk UCA General Insurance Services Vilage & Company WKFC Underwriting Managers

Owners, Landlords, Tenants Abram Interstate Insurance Services Burns & Wilcox Combined Group Distinguished Programs Dunfield Wholesale Insurance Brokers Indemnity Excess and Surplus Agency Monarch E&S Insurance Services Specialty Programs & Facilities Managers (AmWINS) TAPCO Underwriters USASIA Insurance Services

Property Managers NAS Insurance: Miscellaneous E&O for Property Managers www.nasinsurance.com 818-479-4304 NAS Insurance’s Property Managers and Lessors program offers a robust and targeted insurance solution that is tailored for the unique needs and exposures of a residential and/ or commercial property management or leasing firm. The program offers a streamlined application process that simplifies quoting and binding. The applicant who meets program qualifications can request to bind without waiting for a quote.

Abram Interstate Insurance Services

www.abraminterstate.com

800-955-4465

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PROGRAM DIRECTORY All Risks, Ltd. ARC Excess & Surplus Arrowhead General Insurance Agency Burns & Wilcox Capitol Special Risks CIBA Insurance Services CID Insurance Programs Combined Group Distinguished Programs ELM Insurance Brokers Fox Point Programs Herbert H. Landy Insurance Ian H. Graham Insurance InSmart Risk Purchasing Group Logic Underwriters Monarch E&S Insurance Services Preferred Concepts QuoteNBind SterlingRisk Sullivan Brokers Wholesale Insurance Solutions Synergy Professional Associates The Lewis Chester Group

www.allrisks.com www.arcbrokers.com www.arrowheadgrp.com www.burnsandwilcox.com www.csrisks.com www.cibaservices.com www.cidinsurance.com www.combinedgroup.com www.distinguished.com www.e-o.com www.foxpointprg.com www.landy.com www.ihginsurance.com ww.insmartnational.com www.logicinsurance.com www.monarchexcess.com www.preferredconcepts.com www.quotenbind.com www.sterlingrisk.com www.sbwis.com www.synergy-ins.com www.lewischester.com

800-366-5810 626-584-5050 619-881-8733 248-932-9000 800-956-7047 818-638-8525 800-922-7283 214-295-1600 888-355-4626 800-746-7167 800-499-7242 800-336-5422 800-621-2324 914-607-5020 214-739-0071 877-406-8026 212-608-4800 213-293-4802 800-767-7837 213-833-6185 973-995-0500 908-273-6100

www.abraminterstate.com www.breckis.com www.burnsandwilcox.com www.combinedgroup.com www.distinguished.com www.e-o.com www.moj-co.com www.monarchexcess.com www.lewischester.com

800-955-4465 678-322-3535 248-932-9000 214-295-1600 888-355-4626 800-746-7167 281-444-5167 877-406-8026 908-273-6100

www.abraminterstate.com www.braishfield.com www.burnsandwilcox.com www.combinedgroup.com www.distinguished.com ww.insmartnational.com www.ipc-nv.com www.jkrar.com www.monarchexcess.com www.napcollc.com www.patriotnational.com www.preferredconcepts.com www.ppp-quotes.com www.topains.com www.ucageneral.com

800-955-4465 888-335-6616 248-932-9000 214-295-1600 888-355-4626 914-607-5020 775-782-6655 800-886-5050 877-406-8026 723-549-5222 800-291-6846 212-608-4800 888-548-2465 818-466-5900 800-222-5582

Abram Interstate Insurance Services Advanced E&S Group - Southeast Region AmWINS Group Arlington/Roe & Co. Atlantic Risk Specialists Bass Underwriters Burns & Wilcox Combined Group Commercial Insurance Group Dauntless Specialty Brokerage Distinguished Programs Foremost Grand General Agency Monarch E&S Insurance Services Southern Insurance Underwriters TAPCO Underwriters WKFC Underwriting Managers

www.abraminterstate.com www.advancedesgroup.com www.amwins.com www.arlingtonroe.com www.arspecialists.com www.bassuw.com www.burnsandwilcox.com www.combinedgroup.com www.cig-llc.biz www.dauntlessbrokerage.com www.distinguished.com www.foremost.com www.thehelpfulpeople.com www.monarchexcess.com www.siuins.com www.gotapco.com www.wkfc.com

800-955-4465 407-461-7221 704-973-3489 800-878-9891 516-482-1881 888-422-7715 248-932-9000 214-295-1600 877-737-8054 888-655-6778 888-355-4626 800-237-6136 800-869-2022 877-406-8026 800-568-1700 800-334-5579 480-329-4919

Abram Interstate Insurance Services AmWINS Group Arrowhead General Insurance Agency Burns & Wilcox

www.abraminterstate.com www.amwins.com www.arrowheadgrp.com www.burnsandwilcox.com

800-955-4465 704-973-3489 619-881-8733 248-932-9000

W MW

S

SE

NE

REAL ESTATE

Real Estate Developers Abram Interstate Insurance Services Breckenridge Insurance Services Burns & Wilcox Combined Group Distinguished Programs ELM Insurance Brokers Milton O. Johnston & Company Monarch E&S Insurance Services The Lewis Chester Group

Shopping Centers Abram Interstate Insurance Services Braishfield Associates Burns & Wilcox Combined Group Distinguished Programs InSmart Risk Purchasing Group IPC Joseph Krar & Associates Monarch E&S Insurance Services Napco Patriot National Underwriters Preferred Concepts Preferred Property Programs TOPA Insurance Company UCA General Insurance Services

Vacant Commercial Buildings

Warehouses

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PROGRAM PROGRAMDIRECTORY DIRECTORY

W MW

S

SE

NE Combined Group Distinguished Programs Element22 Insurance Services Monarch E&S Insurance Services SterlingRisk TAPCO Underwriters

www.combinedgroup.com www.distinguished.com www.element22ins.com www.monarchexcess.com www.sterlingrisk.com www.gotapco.com

214-295-1600 888-355-4626 888-882-4005 877-406-8026 800-767-7837 800-334-5579

AMIS Alliance Marketing and Insurance Services AmWINS Group Arrowhead General Insurance Agency Charity First Combined Group Dunfield Wholesale Insurance Brokers Education Insurance Services Grand General Agency Integrity Now Insurance Brokers Monarch E&S Insurance Services Ramsgate Insurance Special Markets Insurance Consultants TAPCO Underwriters Weiss Insurance Agencies Western Heritage Insurance Company

www.amisinsurance.com www.amwins.com www.arrowheadgrp.com www.charityfirst.com www.combinedgroup.com www.dunfield.biz www.edinsuranceservices.com www.thehelpfulpeople.com www.integritynowins.com www.monarchexcess.com www.ramsgateinsurance.com www.specialmarkets.com www.gotapco.com www.weissins.com www.westernheritageins.com

800-843-8550 704-973-3489 619-881-8733 415-536-8438 214-295-1600 800-899-6922 (855) 317-9654 800-869-2022 562-606-1030 877-406-8026 800-394-2767 1-800-818-7642 800-334-5579 630-584-1717 800-873-9442

Abram Interstate Insurance Services Advanced Risk Solutions Arrowhead General Insurance Agency AUI Ck Specialty Insurance Associates Combined Group IPC KZ Insurance Brokerage Monarch E&S Insurance Services N-Surance Outlets TOPA Insurance Company UCA General Insurance Services XL E&S

www.abraminterstate.com www.arisksolutions.com www.arrowheadgrp.com www.aui-inc.com www.ckspecialty.com www.combinedgroup.com www.ipc-nv.com www.kzib.com www.monarchexcess.com www.nsoins.com www.topains.com www.ucageneral.com www.xlcatlin.com

800-955-4465 800-976-6369 619-881-8733 800-993-0024 800-411-0083 214-295-1600 775-782-6655 530-926-6030 877-406-8026 800-366-1450 818-466-5900 800-222-5582 312-444-6500

Abram Interstate Insurance Services Arrowhead General Insurance Agency Combined Group Glatfelter Insurance Group Monarch E&S Insurance Services McClelland and Hine The Insurancenter

www.abraminterstate.com www.arrowheadgrp.com www.combinedgroup.com www.glatfelters.com www.monarchexcess.com www.mhi-tx.com www.theinsurancenter.com

800-955-4465 619-881-8733 214-295-1600 800-233-1957 877-406-8026 800-580-4463 800-444-8675

www.abraminterstate.com www.auminsur.com www.arrowheadgrp.com www.combinedgroup.com www.ipc-nv.com www.iwains.com www.IzzoInsurance.com www.monarchexcess.com www.pacificcoastes.com www.pennockins.com www.ramsgateinsurance.com www.shoemaker-besser.com www.stgia.com www.gotapco.com www.towerstonecorp.com www.trytoninsurance.com www.vintageunderwriters.com www.wssib.com

800-955-4465 866-219-0427 619-881-8733 214-295-1600 775-782-6655 800-243-1811 800-800-1704 877-406-8026 800-772-8538 800-662-5182 800-394-2767 800-632-9002 800-873-6500 800-334-5579 972-725-2100 713-351-8490 800-488-5771 800-733-5844

www.abraminterstate.com www.allrisks.com

800-955-4465 800-366-5810

RELIGIOUS INSTITUTIONS REAL ESTATE RELIGIOUS INSTITUTIONS RETAIL

RETAIL

F

Car Washes

Convenience Stores Abram Interstate Insurance Services American Underwriting Managers Arrowhead General Insurance Agency Combined Group IPC Irving Weber Associates Izzo Insurance Services Monarch E&S Insurance Services Pacific Coast E&S Insurance Services Pennock Insurance Ramsgate Insurance Shoemaker & Besser Associates South Texas General Insurance Agency TAPCO Underwriters Towerstone Tryton Insurance Group Vintage Underwriters Western Security Surplus Insurance Brokers

Exterminators/Pest Control Abram Interstate Insurance Services All Risks, Ltd.

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IBA_Up

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PROGRAM DIRECTORY

Insurance Business America is the independent voice for the insurance industry, encompassing news analysis, expert opinion, exclusive interviews and business strategy advice for today’s sophisticated insurance brokers, agents and advice professionals.

KNOW ANYONE WHO SHOULD BE READING INSURANCE BUSINESS AMERICA? IBAMA G.COM

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about to and brokers is ates rance agents stig The world of insurm. Insurance Business inve ld g wor radically transfoto do to thrive in a changin d ty and Casualty what you nee

ion of Proper Future: The Evolut saying of the ution. the Agency are g today is not Insurance Distrib WHA Insurance agents are playin Producers at ago, specifically “The role that comfort zones. ding 20 to 30 years goodbye to their e, Ore., is expan b Hartman, they played ing,” says Ro based in Eugen ping role ion and pric The agency, lines and develo n risk select i ercial comm . lines: line of of the report its focus on n within those on the front r co-author specializatio used to be nd buses, fo a unders i x agent new areas of a had t r o f “The of a policy, n insurance transportatio riting and pricing tions of homes, knew very underw inspec example. agents who were g authority, did says Hartman. , we have had stayed writin the business,” “Historically given that lization and they logy the customer, knew for that today, areas of specia techno used to their ’s a lot less need singly in small information y 50 “There Vince Ada, lines—and increa to more of a there,” says ys approximatel all personal moving which emplo in what in carriers are task is director at WHA, comfortably ercial— sit , where the just comm You you can’t riting model or eight years. people. “But and answer black-box underw in the last five an application done out fill have tely you ries.” ss or 10 to 20 yees to accura multiple indust about the busine drive have to learn additional emplo to 60 questions and how you ly hired eight help the 50 you and the car WHA recent logies that will questions about enting techno customers. are it.” with and is implem that’s vely by carriers t more effecti efforts it—and hannel or direct sales company interac up its marketing Multic insurance, which also stepping ercial y, and auto ing al and comm The agency is increasing steadil of premiums, is becom sales in person 70% e also r a for s in order to grow measures to boost efficiency. r ts e i r r accoun says. Ca ry of what is d, Hartman lines, and is taking is emblematic with the indust commoditize ence sively, nce experi insura aggres ising.

WHA’s and mid-size marketing more year on advert many small US. Many than $6bn a s are happening at across the spending more al auto, carrier ms were brokerages logy-driven, notably person of all P&C premiu ndent agencies and In some lines, efficient, techno brokers. more and They ing written by indepe lized. agents specia are becom competing with ercial lines and ting. agents 2013, focused on comm new approaches to marke Share Report Source: Market ping pendent Insurance T CHANNEL are also develo able hole in A.M. Best/Inde of America little choice. the THE DIREC have punched a notice Agents & Brokers They may have economics of growing larger Direct sales signs that the the hole is to unravel,” “There are al auto, and are beginning person model 11 , Agents MBER 2013 | traditional agent sey & Co. report NOVEMBER/DECE a recent McKin to ing accord

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PROGRAM PROGRAMDIRECTORY DIRECTORY

W MW

S

SE

NE

RETAIL

Arrowhead General Insurance Agency BancorpSouth Insurance Services, Inc. Combined Group Inter-Pacific Insurance Brokers Joseph Krar & Associates Monarch E&S Insurance Services Philadelphia Insurance Companies Texas Commercial Insurance Facilities VGM Specialty Underwriters

www.arrowheadgrp.com www.bxsi.com www.combinedgroup.com www.interpacificbrokers.com www.jkrar.com www.monarchexcess.com www.phly.com www.tcif.org www.vgmsu.com

619-881-8733 800-486-8283 214-295-1600 559-634-1400 800-886-5050 877-406-8026 972-488-8535 800-256-6600 913-433-2331

www.abraminterstate.com www.bxsi.com www.braishfield.com www.combinedgroup.com www.distinguished.com www.monarchexcess.com www.prohostusa.com www.ucageneral.com

800-955-4465 800-486-8283 888-335-6616 214-295-1600 888-355-4626 877-406-8026 952-922-2404 800-222-5582

www.abraminterstate.com www.cmsrisk.com www.combinedgroup.com www.ipc-nv.com www.jkrar.com www.monarchexcess.com

800-955-4465 516-799-4200 214-295-1600 775-782-6655 800-886-5050 877-406-8026

Abram Interstate Insurance Services Advanced E&S Group - Midwest Region Advanced E&S Group - Southeast Region Braishfield Associates CID Insurance Services Combined Group Hylant Group Irving Weber Associates Monarch E&S Insurance Services TAPCO Underwriters UCA General Insurance Services

www.abraminterstate.com www.aesins.com www.advancedesgroup.com www.braishfield.com www.cidinsurance.com www.combinedgroup.com www.hylant.com www.iwains.com www.monarchexcess.com www.gotapco.com www.ucageneral.com

800-955-4465 312-957-4041 954-842-7826 888-335-6616 800-922-7283 214-295-1600 312-283-1350 800-243-1811 877-406-8026 800-334-5579 800-222-5582

Abram Interstate Insurance Services Advanced E&S Group - Midwest Region Combined Group Dowell/IAS Jewelers unBLOCKed JSIS-Jewelers Specialty Insurance Services Monarch E&S Insurance Services Wasserman & Wexler

www.abraminterstate.com www.aesins.com www.combinedgroup.com www.dowellias.com www.jewelers-unblocked.com www.jsis-ins.com www.monarchexcess.com www.wexlerinsurance.com

800-955-4465 866-867-0505 214-295-1600 201-794-7144 201-794-7705 213-488-1000 877-406-8026 800-932-3062

Abram Interstate Insurance Services Align General Insurance Agency All Risks, Ltd. CMS Combined Group Gridiron Insurance Underwriters Monarch E&S Insurance Services

www.abraminterstate.com www.aligngeneral.com www.allrisks.com www.cmsrisk.com www.combinedgroup.com www.gridironins.com www.monarchexcess.com

800-955-4465 619-333-2500 800-366-5810 516-799-4200 214-295-1600 954-473-3653 877-406-8026

www.abraminterstate.com www.braishfield.com www.combinedgroup.com www.iiigroup.com www.liquorpak.com www.monarchexcess.com www.massagent.com

800-955-4465 888-335-6616 214-295-1600 800-523-6422 888-386-5701 877-406-8026 914-684-2000

www.abraminterstate.com www.arrowheadgrp.com www.armonline.com

800-955-4465 619-881-8733 209-473-8938

Fast Food/Fast Casual Restaurants Abram Interstate Insurance Services BancorpSouth Insurance Services Braishfield Associates Combined Group Distinguished Programs Monarch E&S Insurance Services ProHost USA UCA General Insurance Services

Gas/Service Stations Abram Interstate Insurance Services CMS Combined Group IPC Joseph Krar & Associates Monarch E&S Insurance Services

Grocery Stores

Jewelers

Laundry

Liquor Stores Abram Interstate Insurance Services Braishfield Associates Combined Group Insurance Innovators Liquor Pak Insurance Programs Monarch E&S Insurance Services Number One Insurance Agency

Movie Theaters Abram Interstate Insurance Services Arrowhead General Insurance Agency Automotive Risk Management & Insurance Services

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PROGRAM DIRECTORY

W MW Bolton & Company Combined Group InSmart Risk Purchasing Group Monarch E&S Insurance Services

www.boltonmga.com www.combinedgroup.com ww.insmartnational.com www.monarchexcess.com

S

SE

NE

502-583-8361 214-295-1600 914-607-5020 877-406-8026

Pizza Delivery Willis Programs PizzaGuard® www.willisprograms.com

813-490-4924

A program customized for pizza delivery restaurants. Designed for safety-conscious pizza delivery operators, it uniquely incorporates difficult-to-place non-owned as well as owned auto coverage with a business owner’s policy (BOP).

Abram Interstate Insurance Services AFC Insurance AmWINS Group Besnard & Associates Combined Group IPC Monarch E&S Insurance Services ProHost USA Sunderland Insurance Services

www.abraminterstate.com www.afcins.com www.amwins.com www.besnardinsurance.com www.combinedgroup.com www.ipc-nv.com www.monarchexcess.com www.prohostusa.com www.sunderlandins.com

RETAIL 800-955-4465 610-866-0401 704-973-3489 877-200-1718 214-295-1600 775-782-6655 877-406-8026 952-922-2404 925-942-4020

SENIOR CARE & HOUSING SPA & BEAUTY

SENIOR CARE & HOUSING Assisted Senior Living NAS Insurance: Residential Care Facility Liability www.nasinsurance.com

818-382-6102

New state government requirements are mandating professional liability coverage for owners of homes that serve as licensed residential care facilities for the elderly (RCFE). NAS Insurance Services leads the way in innovative specialty coverage for long-term residential care facilities. While other carriers are limiting coverage for sexual abuse, elopement and bedsores, NAS can provide up-to-the-limit coverage for all of these exposures.

Abram Interstate Insurance Services

www.abraminterstate.com

800-955-4465

AFC Insurance All Risks, Ltd. Allstar Financial Group

www.afcins.com www.allrisks.com www.allstarfinancialgroup.com

610-866-0401 800-366-5810 800-424-0132

American Underwriting Managers

www.auminsur.com

866-219-0427

AmWINS Group Aon Affinity Aon Association Services Argo Pro Arrowhead General Insurance Agency Bass Underwriters Boston Insurance Brokerage Burns & Wilcox Commercial Insurance Solutions Commercial Risk Service Delta General Agency Corporation IMS/London American Mid-Continent General Agency Personal Care & Assisted Living Insurance Center

www.amwins.com www.aon.com www.aonassociationservices.com www.argoprous.com www.arrowheadgrp.com www.bassuw.com www.bostonbrokerage.com www.burnsandwilcox.com www.cis-ais.com www.commercialriskservice.com www.deltains.com www.imslondonamerican.com www.mid-continentga.com www.pcalic.com

704-973-3489 800-842-4084 800-432-7465 441-296-5858 619-881-8733 888-422-7715 866-331-1997 248-932-9000 888-613-2224 888-636-0886 800-666-2678 214-373-3936 713-965-6900 800-673-2558

www.abraminterstate.com www.aioinc.us www.amwins.com www.aon.com www.burnsandwilcox.com www.grnhll.com www.insurancehouse.com www.sapphireblueuw.com

800-955-4465 800-310-8478 704-973-3489 215-293-1191 248-932-9000 832-413-4600 800-282-7024 312-784-6007

www.abraminterstate.com www.atminsurance.com www.burnsandwilcox.com www.combinedgroup.com www.continentalbrokers.biz www.beauty2000.org www.ipc-nv.com

800-955-4465 800-888-9891 248-932-9000 214-295-1600 866-386-4136 800-552-8870 775-782-6655

Long-Term Care Abram Interstate Insurance Services American Insurance & Financial Services AmWINS Group Aon Affinity Burns & Wilcox Greenhill Insurance Services Insurance House Sapphire Blue

SPA & BEAUTY Beauty & Barber Shops Abram Interstate Insurance Services American Team Managers Insurance Services Burns & Wilcox Combined Group Continental Brokers International Beauty Brokerage IPC

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PROGRAM PROGRAMDIRECTORY DIRECTORY

W MW

S

SE

NE Monarch E&S Insurance Services Roush Insurance Services South Texas General Insurance Agency Sports & Fitness Insurance Corporation TAPCO Underwriters Towerstone Veracity Insurance Solutions VGM Specialty Underwriters

SPA & BEAUTY

www.monarchexcess.com www.roushins.com www.stgia.com www.sportsfitness.com www.gotapco.com www.towerstonecorp.com www.veracityins.com www.vgmsu.com

877-406-8026 800-752-8402 800-873-6500 800-844-0536 800-334-5579 972-725-2100 866-395-1308 913-433-2331

www.abraminterstate.com www.aon.com www.combinedgroup.com www.continentalbrokers.biz www.insurtecinc.com www.monarchexcess.com www.sportsfitness.com www.sterlingrisk.com www.veracityins.com

800-955-4465 215-293-1191 214-295-1600 866-386-4136 800-606-0621 877-406-8026 800-844-0536 800-767-7837 866-395-1308

www.abraminterstate.com www.combinedgroup.com www.conwayes.com www.iiigroup.com www.insurtecinc.com www.jkrar.com www.monarchexcess.com www.sterlingrisk.com www.veracityins.com

800-955-4465 214-295-1600 800-748-9520 800-523-6422 800-606-0621 800-886-5050 877-406-8026 800-767-7837 866-395-1308

www.abraminterstate.com www.combinedgroup.com www.gicunderwriters.com www.iiigroup.com www.jkrar.com www.monarchexcess.com

800-955-4465 214-295-1600 305-554-0353 800-523-6422 800-886-5050 877-406-8026

www.abraminterstate.com www.braishfield.com www.brazosrisk.com www.combinedgroup.com www.fairwayunderwriters.com www.glencarum.com www.haylor.com www.monarchexcess.com www.sportsfitness.com www.hcc.com www.ventureprograms.com www.weissins.com

800-955-4465 888-335-6616 877-282-7637 214-295-1600 800-662-2141 630-875-0723 800-289-1501 877-406-8026 800-844-0536 781-994-6251 800-282-6247 630-584-1717

Abram Interstate Insurance Services Combined Group Greenhill Insurance Services Infinite Wellness Solutions Joseph Krar & Associates Monarch E&S Insurance Services Sports & Fitness Insurance Corporation TAPCO Underwriters Tokio Marine HCC Specialty Group Veracity Insurance Solutions Western Security Surplus Insurance Brokers

www.abraminterstate.com www.combinedgroup.com www.grnhll.com www.infinitewellnesssolutions.com www.jkrar.com www.monarchexcess.com www.sportsfitness.com www.gotapco.com www.hcc.com www.veracityins.com www.wssib.com

800-955-4465 214-295-1600 832-413-4600 336-725-8624 800-886-5050 877-406-8026 800-844-0536 800-334-5579 781-994-6251 866-395-1308 800-733-5844

Abram Interstate Insurance Services CGA Combined Group Entertainment Pro Insurance

www.abraminterstate.com www.cgainc.com www.combinedgroup.com www.entproins.com

800-955-4465 800-242-7789 214-295-1600 702-639-3997

Spas/Day Spas Abram Interstate Insurance Services Aon Affinity Combined Group Continental Brokers Insurtec Tanning and Spa Insurance Monarch E&S Insurance Services Sports & Fitness Insurance Corporation SterlingRisk Veracity Insurance Solutions

SPORTS, FITNESS & LEISURE

Tanning Salons Abram Interstate Insurance Services Combined Group Conway E & S Insurance Innovators Insurtec Tanning and Spa Insurance Joseph Krar & Associates Monarch E&S Insurance Services SterlingRisk Veracity Insurance Solutions

Tattoo & Body Piercing Abram Interstate Insurance Services Combined Group GIC Underwriters Insurance Innovators Joseph Krar & Associates Monarch E&S Insurance Services

SPORTS, FITNESS & LEISURE Country Clubs, Golf Courses Abram Interstate Insurance Services Braishfield Associates Brazos Specialty Risk Combined Group Fairway Underwriters Glencar Underwriting Managers Haylor, Freyer & Coon Monarch E&S Insurance Services Sports & Fitness Insurance Corporation Tokio Marine HCC Specialty Group Venture Insurance Programs Weiss Insurance Agencies

Health Clubs/Gyms

Hole in One

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Excel Insurance Services Monarch E&S Insurance Services OnPoint Underwriting Tokio Marine HCC Specialty Group US Hole In One

www.excelins.com www.monarchexcess.com www.onpointunderwriting.com www.hcc.com www.holeinoneinsurance.com

877-530-0111 877-406-8026 866-631-6555 781-994-6251 888-882-5440

Abram Interstate Insurance Services Allen Financial Insurance/The Equestrian Group AmWINS Group Combined Group L.A. Xcess Insurance Brokers Lefebvre Insurance Monarch E&S Insurance Services Petersen International Underwriters Special Markets Insurance Consultants Tokio Marine HCC Specialty Group Veracity Insurance Solutions

www.abraminterstate.com www.eqgroup.com www.amwins.com www.combinedgroup.com www.laxcess.com www.lefebvreinsurance.com www.monarchexcess.com www.piu.org www.specialmarkets.com www.hcc.com www.veracityins.com

800-955-4465 800-874-9191 704-973-3489 214-295-1600 818-623-5415 800-451-9668 877-406-8026 800-345-8816 800-727-7642 781-994-6251 866-395-1308

Allen Financial Insurance/The Equestrian Group American Specialty Insurance & Risk Services Alliance Marketing and Insurance Services CGA Combined Group Cossio Insurance Costanza Insurance Agency Global Weather Insurance Agency L.A. Xcess Insurance Brokers Lefebvre Insurance Monarch E&S Insurance Services Petersen International Underwriters Pro-Risk Insurance Partners Sadler Sports & Recreation Special Markets Insurance Consultants Sports & Fitness Insurance Corporation Tokio Marine HCC Specialty Group

www.eqgroup.com www.amerspec.com www.amisinsurance.com www.cgainc.com www.combinedgroup.com www.cossioinsurance.com www.costanzainsurance.com www.globalweatherinsurance.com www.laxcess.com www.lefebvreinsurance.com www.monarchexcess.com www.piu.org www.pro-riskinsurance.com www.sadlersports.com www.specialmarkets.com www.sportsfitness.com www.hcc.com

800-874-9191 800-245-2744 800-843-8550 800-242-7789 214-295-1600 864-688-0121 800-346-0942 516-466-3138 818-623-5415 800-451-9668 877-406-8026 800-345-8816 860-305-9477 800-622-7370 800-727-7642 800-844-0536 781-994-6251

Abram Interstate Insurance Services Accident Insurance Services Combined Group Gateway Specialty Insurance Lefebvre Insurance Monarch E&S Insurance Services Riverport Insurance Company Sadler Sports & Recreation Special Markets Insurance Consultants Tokio Marine HCC Specialty Group Veracity Insurance Solutions

www.abraminterstate.com www.ais-insurance.net www.combinedgroup.com www.gatewayspecialty.com www.lefebvreinsurance.com www.monarchexcess.com www.riverportinsurance.com www.sadlersports.com www.specialmarkets.com www.hcc.com www.veracityins.com

800-955-4465 972-991-0413 214-295-1600 877-977-4474 800-451-9668 877-406-8026 888-762-3083 800-622-7370 719-302-4216 781-994-6251 866-395-1308

AGA & Associates Insurance Group Alamo Surety Bonds Contractors Bonding and Insurance Company DBL Surety EZBondsOnline.com Gerald J. Wilkoff Goldleaf Surety Services J.M. Wilson Lance Surety Bond Associates Patriot Bonding Swift Bonds Universal Service Agency

www.mountainvalleyins.com www.alamobonds.com www.cbic.com www.dblsuretybonds.com www.ezbondsonline.com www.wilkoffbonds.com www.goldleafsurety.com www.jmwilson.com www.suretybonds.org www.patriotbonding.com swiftbonds.com www.universalbonds.com

201-773-0868 210-930-5550 800-765-2242 386-316-2547 866-546-4605 516-747-0200 888.294.6747 800-666-5692 877-514-5146 888-820-7420 913-214-8344 800-646-2401

www.abraminterstate.com www.amwins.com www.bjwins.com www.burnsandwilcox.com

800-955-4465 704-973-3489 510-208-6625 248-932-9000

S

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NE

Sporting Events

Sports

SPORTS, FITNESS & LEISURE SURETY TECHNOLOGY

Youth Clubs/Sports

SURETY

TECHNOLOGY Computer Programming Abram Interstate Insurance Services AmWINS Group BJW Insurance Services Burns & Wilcox

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NE CMS Combined Group IT Risk Managers Logic Underwriters Monarch E&SÂ Insurance Services ThinkRisk

www.cmsrisk.com www.combinedgroup.com www.itriskmanagers.com www.logicinsurance.com www.monarchexcess.com www.thinkriskins.com

516-799-4200 214-295-1600 888-280-8710 214-739-0071 877-406-8026 646-612-7808

www.abraminterstate.com www.agostinisurplus.com www.amwins.com www.apogeeinsgroup.com www.applebyandsterling.com www.arcbrokers.com www.atlanticspecial.com www.bsrins.com www.burnsandwilcox.com www.combinedgroup.com www.comsectorins.com www.theetowahgroup.com www.firstierga.com www.gua-stl.com www.1bondsinsurance.com www.hullco.com www.ies-xs.com www.itriskmanagers.com www.mjkelly.com www.monarchexcess.com www.parkinsuranceco.com www.puainc.com www.tennant.com www.transportationrisk.com www.truckers-insurance.com www.trytoninsurance.com www.tuscanopro.com

800-955-4465 800-922-7283 704-973-3489 888-927-6433 805-583-9828 626-584-5050 877-545-9100 800-768-7475 248-932-9000 214-295-1600 205-776-1600 706-378-3488 877-906-7944 800-325-7652 (505) 314-9203 954-527-4855 800-487-2442 888-280-8710 318-742-8211 877-406-8026 212-905-2604 630-572-0600 860-519-1301 800-977-9884 800-652-9515 713-351-8237 800-442-8063

Technology Professionals & Businesses Abram Interstate Insurance Services Agostini Wholesale Insurance AmWINS Group Apogee Insurance Group, a Berkshire Hathaway Company Appleby & Sterling ARC Excess & Surplus Atlantic Specialty Lines Bailey Special Risks Burns & Wilcox Combined Group Commercial Sector Insurance Brokers Etowah Insurance Group FirsTier General Agency Gateway Underwriters Agency Gilbert Trujillo Insurance Services Hull & Company Indemnity Excess and Surplus Agency IT Risk Managers M.J. Kelly Company Monarch E&SÂ Insurance Services Park Insurance Company Professional Underwriters Agency Tennant Risk Services Transportation Risk Underwriters Truckers Insurance Associates Tryton Insurance Group TuscanoPro

TECHNOLOGY TRANSPORTATION & STORAGE

TRANSPORTATION & STORAGE Auto Transporters & Haulers Norman-Spencer Agency www.norman-spencer.com

888-713-0771

Coverage for transporters hauling passenger auto and light trucks for dealers, auctions, relocation and private purchases.

Abram Interstate Insurance Services AmWINS Group The Insurance Professionals

www.abraminterstate.com www.amwins.com www.theinspros.com

800-955-4465 704-973-3489 800-266-4446

Abram Interstate Insurance Services AmWINS Group Alteris Care Providers Insurance Services Delta General Agency Corporation KF&B Trans Risk Solutions

www.abraminterstate.com www.amwins.com www.argolimited.com www.ins-cps.com www.deltains.com www.kfbins.com www.transriskinsurance.com

800-955-4465 704-973-3489 415-901-2566 800-761-7072 800-666-2678 877-242-7700 732-675-6777

Abram Interstate Insurance Services AmWINS Group Avant Bolton & Company Brazos Specialty Risk Carolina Casualty Insurance Company Global Partners Insurance Brokers Global Special Risks IPA Risk Management Magaya Insurance Services N-Surance Outlets Strickland General Agency of Florida TCB Insurance Programs

www.abraminterstate.com www.amwins.com www.avant.com www.boltonmga.com www.brazosrisk.com www.carolinacas.com www.globalpartners-ins.com www.globalspecialrisks.com www.ipariskmanagement.com www.magayainsurance.com www.nsoins.com www.sgainfl.com www.tcbinspro.com

800-955-4465 704-973-3489 800-712-5407 502-583-8361 877-282-7637 800-874-8053 888-240-7843 713-260-1030 201-797-1076 201-204-0050 800-366-1450 877-669-8886 574-583-8661

Buses

Cargo

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IBA_4.0

PROGRAM DIRECTORY

SHOW AND TELL. DEVELOP GREATER BRAND AWARENESS AND SHOWCASE YOUR TOP PROGRAM ADMINISTRATOR AWARD: At The YGS Group, it’s our job to educate award winning businesses and individuals on how to extend their award recognition with high quality marketing products. Contact us today to learn how we can help you promote this achievement with award logo and marketing products like:

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105 800.290.5460 I IBAmag@theYGSgroup.com

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PROGRAM PROGRAMDIRECTORY DIRECTORY

W MW

S

SE

NE Transportation Risk Underwriters Trinity Transportation Services

www.transportationrisk.com www.trinitytransp.com

800-686-2170 734-284-9229

Food Delivery Vehicles Willis Programs PizzaGuard® www.willisprograms.com

813-490-4924

A program customized for pizza delivery restaurants. Designed for safety-conscious pizza delivery operators, it uniquely incorporates difficult-to-place non-owned as well as owned auto coverage with a business owner’s policy (BOP).

Abram Interstate Insurance Services AmWINS Group Brightstone Insurance Services Carolina Casualty Insurance Company Combined Resources Pacific Gateway Insurance Agency Park Insurance Company Sunderland Insurance Services

TRANSPORTATION & STORAGE

www.abraminterstate.com www.amwins.com www.brightstoneins.com www.carolinacas.com www.autoinsureit.com www.pgiainsurance.com www.parkinsuranceco.com www.sunderlandins.com

800-955-4465 704-973-3489 877-862-4755 800-874-8053 631-758-6782 800-354-4844 212-905-2604 925-942-4020

Abram Interstate Insurance Services Allied World Assurance Company AmWINS Group Ascinsure Specialty Risk Aspen Specialty Equity Partners Insurance Services Executive Insurance Professionals Global Special Risks Maritime Program Group

www.abraminterstate.com www.awac.com www.amwins.com www.ascinsure.com www.aspenspecialty.com www.epinsurance.com www.execins.com www.globalspecialrisks.com www.maritimepg.com

800-955-4465 646-794-0500 704-973-3489 800-569-9427 646-502-1000 888-825-2740 800-779-4095 713-260-1030 800-366-8086

New Empire Group

www.newempiregroup.com

516-431-8300

Superior Access Insurance Services Texas Specialty Risk Programs

www.superioraccess.com www.txsrp.net

800-272-7550 682-831-1690

www.abraminterstate.com www.atminsurance.com www.amwins.com www.carolinacas.com www.gtu-ins.com www.heathxs.com www.mjkelly.com www.nsoins.com www.truckers-insurance.com www.waschickedanz.com

800-955-4465 800-888-9891 704-973-3489 800-874-8053 615-321-4523 800-524-3284 318-742-8211 800-366-1450 800-652-9515 618-233-0644

Inland Marine

Intermediate Trucking Abram Interstate Insurance Services American Team Managers Insurance Services AmWINS Group Carolina Casualty Insurance Company Greenwich Transportation Underwriters Heath XS M.J. Kelly Company N-Surance Outlets Truckers Insurance Associates W.A. Schickedanz Agency

Limousines Willis Programs LimousineGuard® www.willisprograms.com

860-756-7333

A program designed for the limousine industry. Coverage is customized exclusively to meet the needs of limousine business owners. The program provides a total insurance solution, including broad business income protection, for livery vehicles.

Abram Interstate Insurance Services AmWINS Group Bolton & Company Carolina Casualty Insurance Company CMS Global Liberty Insurance Company GMI Insurance KF&B National Indemnity Company Pacific Gateway Insurance Agency RMIS Trans Risk Solutions Western Experts in Transportation

www.abraminterstate.com www.amwins.com www.boltonmga.com www.carolinacas.com www.cmsrisk.com www.atlas-fin.com www.gmi-insurance.com www.kfbins.com www.nationalindemnity.com www.pgiainsurance.com www.rmismga.com www.transriskinsurance.com www.westerndwf.com

800-955-4465 704-973-3489 502-583-8361 800-874-8053 516-799-4200 631.390.6401 610-933-4679 877-242-7700 402-916-3000 800-354-4844 714-738-1383 732-675-6777 800-843-2430

www.abraminterstate.com www.amwins.com www.avant.com www.carolinacas.com www.cochraneco.com

800-955-4465 704-973-3489 800-712-5407 800-874-8053 800-441-4535

Long-Haul Trucking Abram Interstate Insurance Services AmWINS Group Avant AU BASED Carolina Casualty Insurance Company Cochrane & Company

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W MW Greenwich Transportation Underwriters Heath XS Insurance Marketing Corporation of Oregon J.M. Wilson Litchfield Special Risks Med James N-Surance Outlets Southern Cross Underwriters Truckers Insurance Associates

www.gtu-ins.com www.heathxs.com www.imcoinsurance.com www.jmwilson.com www.lsrinc.org www.medjames.com www.nsoins.com www.scui.com www.truckers-insurance.com

615-321-4523 800-524-3284 800-944-3128 800-666-5692 800-592-1027 800-255-6503 800-366-1450 800-824-4403 800-652-9515

Abram Interstate Insurance Services Aegis Insurance Services Apollo General Insurance Agency Avant AU BASED Delta General Agency Corporation Mattei Insurance Services Park Insurance Company

www.abraminterstate.com www.aegis-online.com www.apgen.com www.avant.com www.deltains.com www.matteicos.com www.parkinsuranceco.com

800-955-4465 800-582-6270 800-624-5829 800-712-5407 800-666-2678 888-462-8834 212-905-2604

Abram Interstate Insurance Services AmWINS Group CMS Gemini Transportation Underwriters Rail Risk Pro RLA Insurance Intermediatries

www.abraminterstate.com www.amwins.com www.cmsrisk.com www.geminiunderwriters.com www.railriskpro.com www.abinsurance.com

800-955-4465 704-973-3489 516-799-4200 617-310-8201 800-247-2085 617-419-2600

Abram Interstate Insurance Services American Team Managers Insurance Services AmWINS Group Greenwich Transportation Underwriters Heath XS Insurance Marketing Corporation of Oregon N-Surance Outlets W.A. Schickedanz Agency

www.abraminterstate.com www.atminsurance.com www.amwins.com www.gtu-ins.com www.heathxs.com www.imcoinsurance.com www.nsoins.com www.waschickedanz.com

800-955-4465 800-888-9891 704-973-3489 615-321-4523 800-524-3284 800-944-3128 800-366-1450 618-233-0644

Abram Interstate Insurance Services All Risks, Ltd. CIBA Insurance Services GMI Insurance StorageFirst Insurance

www.abraminterstate.com www.allrisks.com www.cibaservices.com www.gmi-insurance.com www.storagefirst.com

800-955-4465 800-366-5810 818-638-8525 610-933-4679 800-853-4663

Align General Insurance Agency American Business Insurance Services AmWINS Group Blackmoor General Insurance Agency Commercial Sector Insurance Brokers Continental Risk Insurance Services Klein & Costa Insurance Services M.J. Kelly Company Pacific Gateway Insurance Agency Park Insurance Company Trans Risk Solutions Transportation Risk Underwriters W. Brown & Associates Insurance Services

www.aligngeneral.com www.abiweb.com www.amwins.com www.blackmooragency.com www.comsectorins.com www.continentalriskins.com www.kleincosta.com www.mjkelly.com www.pgiainsurance.com www.parkinsuranceco.com www.transriskinsurance.com www.transportationrisk.com www.wbais.com

619-333-2500 800-980-1950 704-973-3489 267-495-2300 205-776-1600 866-699-2747 714-918-0914 318-742-8211 800-354-4844 212-905-2604 732-675-6777 800-977-9884 949-851-2060

Abram Interstate Insurance Services Commercial Sector Insurance Brokers Cox Specialty Markets Gilbert Trujillo Insurance Services Hull & Company JMR Excess & Surplus Insurance Services M.J. Kelly Company National Interstate Insurance Company Pacific Gateway Insurance Agency Park Insurance Company The Insurance Professionals Transportation Risk Underwriters

www.abraminterstate.com www.comsectorins.com www.coxspecialty.com www.1bondsinsurance.com www.hullco.com www.jmrexcess.com www.mjkelly.com www.natl.com www.pgiainsurance.com www.parkinsuranceco.com www.theinspros.com www.transportationrisk.com

800-955-4465 205-776-1600 800-648-0357 505-314-9203 954-527-4855 866-954-9990 318-742-8211 800-929-1500 800-354-4844 212-905-2604 800-266-4446 800-977-9884

Moving Companies

S

SE

NE

TRANSPORTATION & STORAGE

Railroad

Short-Haul Trucking

Storage

Taxis

Towing

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S

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NE Trinity Transportation Services Truckers Insurance Associates

www.trinitytransp.com www.truckers-insurance.com

734-284-9229 800-652-9515

American Team Managers Insurance Services AmWINS Group Applied Underwriters Blackmoor General Insurance Agency Commercial Sector Insurance Brokers Crouse and Associates Gilbert Trujillo Insurance Services Greenwich Transportation Underwriters Hull & Company Insurance Program Managers Group IPA Risk Management M.J. Kelly Company MacAfee & Edwards MarketScout Metcom Excess Midwestern Insurance Alliance National Interstate Insurance Company Omega Insurance Solutions Pacific Gateway Insurance Agency Park Insurance Company ProSight Specialty Insurance SafePro Insurance Services South Texas General Insurance Agency Swett & Crawford Transportation Risk Underwriters Truckers Insurance Associates Tuscano Agency U.S. Specialty Insurance W.A. Schickedanz Agency

www.atminsurance.com www.amwins.com www.auw.com www.blackmooragency.com www.comsectorins.com www.crouseandassociates.com www.1bondsinsurance.com www.gtu-ins.com www.hullco.com www.ipmg.us www.ipariskmanagement.com www.mjkelly.com www.macafeeandedwards.com www.marketscout.com www.metcomexcess.com www.mwiainsurance.com www.natl.com www.omega4agents.com www.pgiainsurance.com www.parkinsuranceco.com www.prosightspecialty.com www.safeproins.com www.stgia.com www.swett.com www.transportationrisk.com www.truckers-insurance.com www.tuscano.com www.ussic.com www.waschickedanz.com

800-888-9891 704-973-3489 877-234-4450 267-495-2300 205-776-1600 415-982-3870 505- 314-9203 615-321-4523 954-527-4855 888-377-5845 201-797-1076 318-742-8211 213-629-9777 972-934-4200 201-641-5100 502-429-9990 800-929-1500 866-997-0711 800-354-4844 212-905-2604 973-532-1900 888-411-7679 800-873-6500 404-240-5200 800-686-2170 800-652-9515 866-442-8063 469-633-7400 618-233-0644

Trucking

TRANSPORTATION & STORAGE

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GO who you WITH TRUST

We know you place your best customers with carriers you can truly depend on.

That’s why The Hanover works hard to retain and reward your trust, providing industry specialized product lines, local underwriting expertise and responsiveness, and an unwavering commitment to the success of our agents.

It’s because of these distinctive capabilities, and this unique value proposition, that we are able to work exclusively with people we trust. The very best independent agents across the U.S. Trust. We wouldn’t be an industry leader without it.

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Personal Lines

Small Commercial

Middle Market

Technology

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Surety

Healthcare

Management Liability

E&S - Merit

Marine

Professional Liability

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Expect big things in workers’ compensation. Expect to save a third of your clients 30% or more. Most classes approved, nationwide.

For information call (877) 234-4450 or visit auw.com/us. Follow us at bigdoghq.com. Š2016 Applied Underwriters, Inc., a Berkshire Hathaway company. Rated A+ (Superior) by A.M. Best.

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

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