Insurance Journal - Oct 7, 2013 by Insurance Journal

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Inside This Issue

On The Cover

Special Report:

America’s Best Independent Agencies to Work For

October 7, 2013 • Vol. 91 No. 19 • West

NATIONAL COVERAGE

WEST COVERAGE

IDEA EXCHANGE

W1 Idaho Fly Shop Owner Gets Jail Time on Workers’ Comp Law

W9 Flood Issues: Insurance Industry Changes to Follow Wicked Colorado Weather

Missteps in Employee Hiring Costly for Agencies: MarshBerry

16 Closer Look: The Food Issue 10 Things to Know About Liquor Liability 18 Closer Look: The Food Issue Keeping Up With New Restaurant Trends 22

Closer Look: The Food Issue Insurers: Product Recalls a ‘Death Sentence’ to Food Manufacturers, Coverage Demand Still Lags

W1 Idaho Gun Show Canceled Due to Insurance Requirements W1 Montana Residents Suing Over Petroleum Pollution W1 Synthetic Marijuana Death Prompts Lawsuit Against Colorado Store

58 Closing Quote: The Next Generation of Insurance Leaders: Nikole McMyler and Elizabeth Foste

W2 Allstate Wins Major Medical Fraud Lawsuit in Nevada

28 Spotlight: Professional Liability E&O Insights: How Well Do You Know Your Accounts? Curtis M. Pearsall 31 Special Report: America’s Best Independent Agencies to Work For Overall: Kapnick Insurance Group, Adrian, Michigan East: Mackoul & Associates, Island Park, New York Midwest: Reliable Agency Inc., Cloquet, Minnesota South Central: Watkins Insurance Group, Austin, Texas Southeast: Senn-Dunn Insurance, Greensboro, North Carolina West: Wood Gutmann & Bogart Insurance Brokers, Tustin, Calif.

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W9 Liability Files: Energy Industry Liability May Cover Contamination Claims from Colorado Flooding

DEPARTMENTS 6 Opening Note W4 People 12 Business Moves 14 Declarations 14 Figures 26 MyNewMarkets

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Opening Note Winning Attitude

his issue salutes the 2013 Best Independent Insurance Agencies to Work For. They all say it’s an honor to be recognized. Given that employees are the ones doing the rating, it is a well-deserved honor. They all say it makes them proud — owners and employers alike — as it should. We say the honor is ours and it makes us proud, too, to get to know them. It is humbling to go through the many entries and realize what a great industry this is to work in. There are so many agencies out there that do the right thing for their employees. It is humbling to speak with these owners and employees and learn how they got where they are, how they survived the downturn and soft market, and how they remain committed to their customers and to one another. The best agencies to work for are not necessarily the biggest, or the ones that pay the highest salaries, offer the best benefits, or have the best public relations agencies. They could be or have those things, but those things have very little to do with being the best workplace. Agencies are not great places to work because they have great products or services. They don’t necessarily have great customers. Their physical offices may be nondescript. The best workplaces are about people and relationships. Happy employees have great relationships with their immediate boss or supervisor, and hold their agency owner or principals in high esteem. The best workplaces foster good communication, so that everyone knows what is expected and where the agency is going. The best agencies are about teamwork. They make sure that employees understand the agency’s game plan and that everyone’s contribution is important and rewarded. The best agencies are about sharing; they are places where when the agency does well, everyone benefits. The best workplaces care about community. Every single outstanding agency gives back in some way. It’s a big reason employees take pride in their place of employment. Hundreds of customer service representatives, account executives, producers, managers and other agency staff nominated independent insurance agencies for this year’s survey. They really are all winners. This competition barely scratches the surface of the employment picture in this industry. For every winner profiled in this issue, there are probably hundreds of others in cities and towns across the country that could have won. Congratulations to the winners in this issue and to the many more winners out there who are doing the right thing for their employees.

Andrea Wells Editor-in-Chief 6 | INSURANCE JOURNAL-NATIONAL October 7, 2013

EDITORIAL Editor-in-Chief Andrea Wells | awells@insurancejournal.com V.P. Content Andrew Simpson | asimpson@insurancejournal.com East Editor Young Ha | yha@insurancejournal.com Southeast Editor Michael Adams | madams@insurancejournal.com South Central Editor/Midwest Editor Stephanie K. Jones | sjones@insurancejournal.com West Editor Don Jergler | djergler@insurancejournal.com International Editor Charles E. Boyle | cboyle@insurancejournal.com Senior Editor Susanne Sclafane | ssclafane@insurancejournal.com ClaimsJournal.com Editor Denise Johnson | djohnson@claimsjournal.com MyNewMarkets.com Associate Editor Amy O’Connor | aoconnor@mynewmarkets.com Columnists Curtis M. Pearsall, Megan Bosma Contributing Writers Shane Christley, Kathy Finn, Elizabeth Foste, David A. Lieb, Nikole McMyler, Clark Schweers, Jared Zola SALES V.P. Sales & Marketing Julie Tinney (800) 897-9965 x148 | jtinney@insurancejournal.com West Dena Kaplan (800) 897-9965 x115 | dkaplan@insurancejournal.com South Central Mindy Trammell (800) 897-9965 x149 | mtrammell@insurancejournal.com Midwest Lauren Knapp (800) 897-9965 x161 | lknapp@insurancejournal.com Southeast Howard Simkin (800) 897-9965 x162 | hsimkin@insurancejournal.com East Dave Molchan (800) 897-9965 x145 | dmolchan@insurancejournal.com New Markets Sales Manager Kristine Honey | khoney@insurancejournal.com Classifieds, Jobs, Agencies Wanted/For Sale Ly Nguyen (800) 897-9965 x125 | lnguyen@insurancejournal.com MARKETING/NEW MEDIA Marketing Administrator Gayle Wells | gwells@insurancejournal.com Advertising Coordinator Erin Burns (619) 584-1100 x120 | eburns@insurancejournal.com New Media Producer Bobbie Dodge | bdodge@insurancejournal.com Videographer/Editor Matt Tolk | mtolk@insurancejournal.com DESIGN/WEB V.P. of Design Guy Boccia | gboccia@insurancejournal.com V.P of Technology Joshua Carlson | jcarlson@insurancejournal.com Design and Marketing Executive Derence Walk | dwalk@insurancejournal.com Web Developer Jeff Cardrant | jcardrant@insurancejournal.com Web Developer Chris Thompson | cthompson@insurancejournal.com IJ ACADEMY OF INSURANCE Director of Education Christopher J. Boggs | cboggs@ijacademy.com Online Training Coordinator Barbara Whiffen | bwhiffen@ijacademy.com ADMINISTRATION Chairman Mark Wells Chief Executive Officer Mitch Dunford Accounting Manager Mark Wooster | mwooster@wellsmedia.com

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Insurance Journal, The National Property/Casualty Magazine (ISSN: 00204714) is published semi-monthly by Wells Publishing, Inc., 3570 Camino del Rio North, Suite 200, San Diego, CA 92108-1747. Periodicals Postage Paid at San Diego, CA and at additional mailing offices. SUBSCRIPTION RATES: $7.95 per copy, $12.95 per special issue copy, $195 per year in the U.S., $295 per year all other countries. DISCLAIMER: While the information in this publication is derived from sources believed reliable and is subject to reasonable care in preparation and editing, it is not intended to be legal, accounting, tax, technical or other professional advice. Readers are advised to consult competent professionals for application to their particular situation. Copyright 2013 Wells Publishing, Inc. All Rights Reserved. Content may not be photocopied, reproduced or redistributed without written permission. Insurance Journal is a publication of Wells Publishing, Inc. POSTMASTER: Send change of address form to Insurance Journal, Circulation Department, PO Box 3618, Northbrook, IL 60065-3618 ARTICLE REPRINTS: For reprints of articles in this issue, contact Rhonda Brown at 1-866-879-9144 ext. 194 or rhondab@fosterprinting.com. Visit insurancejournal. com/reprints for more information.

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News & Markets Missteps in Employee Hiring Costly for Agencies: MarshBerry

or most lines of insurance business, commission income is growing, and most insurance agents and brokers expect profits to be similar or better in 2013 compared to 2012. That’s according to the 28th Annual Market & Financial Outlook Survey by MarshBerry launched in conjunction with Insurance Journal in June. By Megan Bosma The survey — which compiled anonymous general independent agency information along with financial, market, carrier and technology data — indicates that there is an optimistic outlook for the insurance industry. Sixty-three percent of survey respondents indicated that they are increasing headcount in the next year. Continued employee reinvestment is a positive sign for the industry. Hiring new employees is necessary for future growth. However, missteps in employee hiring can be very expensive.

(See Center for American Progress, “There are Significant Business Costs to Replacing Employees,” November 16, 2012.) Fixed costs of hiring new employees include recruiting and headhunter fees, costs associated with posting positions on a job board, referral fees paid to employees, as well as costs for licensing and outside training. Hidden costs are more difficult to quantify. Those costs include the knowledge lost when a trained employee leaves, lower productivity for the individuals who need to assume additional work until the position is filled and the time spent reviewing resumes, interviewing candidates and making job offers. There are also costs associated with internal training. A knowledgeable team member must train a new employee on an agency’s processes and procedures, as well as spend time checking their work, until the new employee is up to speed. Based on MarshBerry’s proprietary financial management database, “Perspectives for High Performance,” 52 percent of employees terminated in 2012 were hired in the previous three years. For 2012, the first year turnover ratio was 20 percent. That means that 20 percent of employees terminated in 2012 also were hired in 2012. Of the employees terminated in 2012, 19 percent were hired in 2011 and 13 percent

Hiring Costs Hiring and replacing employees is costly. A study conducted in November 2012 by the Center for American Progress found that for positions earning less than $75,000 the typical cost of employee turnover was 20 percent of the salary for the position.

What are your hiring plans for the next year?

were hired in 2010. Terminated employees include employees who retired, employees who voluntarily left the organization and those who were let go. Develop a Plan Similar to other areas of the business, an agency should develop a plan to hire, bring on-board and retain new employees. However, many firms have not invested the time or money to build strong employee retention strategies that include career paths and corresponding compensation scales, clearly defined job descriptions, on-going meaningful performance evaluations, and effective on-boarding and training programs. Employees are the most valuable asset of continued on page 10

Termination Trends for Agency Employees in 2012 13%

19% 48%

20%

13%

Terminated in 2012 / Hired in 2012 Not Hiring 35%

19%

Terminated in 2012 / Hired in 2011 Source: MarshBerry Perspectives for High Performance prop

Increase 63% Decrease 2%

20%

8 | INSURANCE JOURNAL-NATIONAL October 7, 2013

ancil Outlook Survey

48% Source: 2013 MarshBerry Market and Financial Outlook Survey

Terminated in 2012 / Hired in 2010 Terminated in 2012 / Hired between 1953-2009

Source: MarshBerry Perspectives for High Performance proprietary benchmark database www.insurancejournal.com

Who insures you doesn’t matter. Until it does.

Chubb Group of Insurance Companies (“Chubb”) is the marketing name used to refer to the insurance subsidiaries of The Chubb Corporation. For a list of these subsidiaries, please visit our website at www.chubb.com. Actual coverage is subject to the language of the policies as issued. Chubb, Box 1615, Warren, NJ 07061-1615. ©2012 Chubb & Son, a division of Federal Insurance Company.

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News & Markets First Year Turnover by Position

continued from page 8

Hired in 2012 / Terminated in 2012 Executive 0% Support 32%

Production 13%

Service 55%

an insurance agency. Hiring the right people, reducing employee turnover and increasing employee satisfaction can position an agency for sustainability. Employee turnover is not preventable. The goal is to retain the key employees who can propel your agency forward. The MarshBerry 2013 Market & Financial Outlook highlights these areas and others including:

Third Year Turnover by Position Hired in 2010 / Terminated in 2012 Support 10% Executive 1%

Production 19%

Service 70%

• Key agent and broker performance trends from 2007–2014, with results segmented by revenue size and region; • Largest threat to agency growth; • Carrier partner strengths; • Five year expense trends (CAGR); and Staffing trends. Those who completed the survey and provided their contact information will receive a link to download the complete report on Oct. 23, 2013. The report will be available for purchase online on October 23 via www.MarshBerry.com for $199. To learn more about the survey, or to download the Executive Summary, visit: http://info.marshberry.com/ ExecutiveSummary. Bosma is senior vice president at MarshBerry. Email: MeganBosma@MarshBerry.com.

Source: MarshBerry Perspectives for High Performance proprietary benchmark database

A Few Ways to Reduce Employee Turnover

here are several ways to reduce employee turnover. First, review agency compensation packages to ensure commission rates, salaries and benefits are in line with the market. Start by benchmarking compensation by position against insurance agencies of a similar revenue size, with similar average account sizes, or in a similar region or metropolitan area. Next, develop salary bands or ranges for each position. To retain key employees, it is important to link pay to performance. Recognize above average employees and reward them for their efforts. Before posting an open position, develop a position description to outline the roles and responsibilities, and identify 10 | INSURANCE JOURNAL-NATIONAL October 7, 2013

the necessary skills for the position. It is critical to select the right person for the position. Utilize employee assessment tests to screen the candidates and identify whether their personality characteristics will match the position. Once hired, employees need to know what is expected. Communicate the roles, responsibilities and goals for each position. In addition to annual performance evaluations, employers should regularly praise good efforts and provide feedback on the individual’s performance. Create career paths to illustrate how an individual’s career could progress through the organization. Implementing a four-tier service model allows service

personnel to progress from an entry-level processing role to a high-level account executive. Provide opportunities for employees to share their knowledge. This can occur through one-on-one training sessions and mentoring. For example, the mentor assigned to a new producer should be an experienced producer who provides direction about the types of business to target and assists with sales training by going on new business calls. Employees will leave. Use the departure as an opportunity to get feedback on ways to improve the organization. Conduct exit interviews with employees to understand the positive and negative aspects of the agency. www.insurancejournal.com

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News & Markets Idaho Fly Shop Owner Gets Jail Idaho Gun Show Canceled Due Time on Workers’ Comp Law to Insurance Requirements

state judge has ordered a Coeur d’Alene, Idaho fly shop owner to serve five days in jail for violating a court order stemming from allegations he failed to provide workers’ compensation insurance. The Idaho Industrial Commission announced the penalty in September for Joe Roope Jr., owner of Joe Roope’s Castaway Fly Shop Inc. The commission won a judgment against Roope in 2011 after the store’s workers’ compensation policy lapsed for eight months. Commission officials also say the 2011 lapse followed two other periods where the business operated without insurance for workers. A state court ordered Roope to close his business until he obtained insurance, a requirement under Idaho law. In a statement, Roope did not address the commission’s allegations, but said the shop now has insurance and remains open for business.

embers of a southwestern Idaho gun club may have to end a decades-long tradition of gun shows because Ada County raised its insurance requirements after two people were injured in an accidental firearm discharge at the club’s show in April. The Idaho Press-Tribune reported officials with EE-DA-HOW Long Rifles canceled its Fort Boise Gun Show after Expo Idaho increased its insurance requirements to $5 million. The insurance would have cost the Kuna-based club $18,000 — more than it makes from the show. Expo Idaho Director Bob Batista said he did not know if the higher insurance cost would affect the other five guns shows the venue hosts each year. Gun show coordinator Kim Tish says the club is looking to find insurance at a reasonable cost.

Montana Residents Suing Over Petroleum Pollution

Synthetic Marijuana Death Prompts Lawsuit Against Colorado Store

early 50 Cut Bank residents have filed a lawsuit alleging their properties have been polluted by petroleum from a crude oil transportation and storage facility on the eastern edge of the city. The Great Falls Tribune reported the lawsuit was filed in U.S. District Court in Great Falls on Sept. 6 on behalf of 46 property owners that say petroleum discharged from the Tank Hill storage facility has contaminated soils and water, reduced property values and exposed owners to health risks. The lawsuit names five companies that operated and either owned or leased the tanks, pipelines, pump stations and related equipment on or near Tank Hill, which has been in operation since the 1930s. It was declared a Superfund site in 1994. The plaintiffs are seeking compensation, restoration of property damage and punitive damages. Copyright 2013 Associated Press. All rights reserved. www.insurancejournal.com

he death of a 19-year-old who died after smoking synthetic marijuana has prompted a wrongful death suit against a Colorado Springs convenience store. Stephane Colbert alleges that her son, Nicholas A. Colbert, died in 2011 after using a pot alternative called Mr. Smiley. He bought the product after Colorado lawmakers and the federal government banned the sale of synthetic marijuana earlier that year. Colbert seeks punitive damages, said her attorney, David Woodruff. The lawsuit was filed in Denver. Woodruff said it is Colorado’s first wrongful-death synthetic pot lawsuit. The Centers for Disease Control and Prevention has said it is investigating dozens of recent hospital admissions and three Colorado deaths related to synthetic marijuana use. Copyright 2013 Associated Press. All rights reserved. October 7, 2013 INSURANCE JOURNAL-WEST | W1

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News & Markets Allstate Wins Major Medical Fraud Lawsuit in Nevada

llstate Insurance Co. received a judgment of more than $7 million following a Racketeering Influenced and Corrupt Organizations investigation nearly 10 years in the making. It is the company’s first medical fraud lawsuit in the state. “Medical insurance fraud affects all policyholder’s premiums, and it’s not fair for consumers to pay higher rates for criminal behavior,” said Chelci Vaughan, Allstate spokesperson. The RICO complaint was filed in 2008 in the Las Vegas Federal District Court against chiropractor Obteen Nassiri, D.C., and his businesses: Advanced Accident Chiropractic Care; ONN Management; Digital Imaging Services; and Digital X-Ray. Since the suit was filed, the Chiropractic Physicians’ Board of Nevada has revoked Obteen

Nassiri’s license. Allstate’s lawsuit alleged Nassiri began defrauding Allstate in 2003 by exaggerating clinical findings, submitting improbable diagnoses, charging for treatment he did not provide, providing unnecessary and excessive treatment, grossly misrepresenting billing, making inappropriate referrals, and exhibiting a general pattern of illegal and fraudulent conduct. The jury in the case also found Nassiri’s spouse, Jennifer Nassiri, liable for negligent misrepresentation. The case accused Obteen Nassiri of running a practice that referred patients to his clinics for unnecessary medical consultations and expensive diagnostic studies in an effort to generate more revenue and profit. The verdict sided with Allstate in June

and the final judgment and award was made in late September. The total judgment against the defendants included an award to Allstate for $3.59 million in compensatory damages, $2.51 million in punitive damages and $1 million in pre-judgment interest. The company is pursuing more than $1 million in attorney’s fees and costs. The award means Allstate will recover money for the settlement of more than 150 auto accident claims that involved fraudulent costs. Allstate sought recovery against each defendant. The Allstate Corp. serves roughly 16 million households through its Allstate, Encompass, Esurance and Answer Financial brand names and Allstate Financial business segment.

Volunteer • Give • Make an Impact Join IICF Week of Giving October 12-19, 2013

Bring your talent and energy Help your community • Join other insurance professionals Sign up your volunteer team at weekofgiving.iicf.org. Week of Giving funds will support the IICF-Sesame Workshop early childhood literacy initiative, Every Day is a Reading and Writing Day. * Text INSURANCE to 50555 to donate $5 or donate at IICF.org. *Standard message and mail rates apply. For full terms visit www.mGive.org/T. The Insurance Industry Charitable Foundation is a registered not-for-profit organization under section 501(c)(3) of the IRS code. Federal Tax ID #20-1240972.

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A Cup of Tea? Briana’s first goal is to warm the heart and settle the mind. After that, it’s nothing but quick quotes and rapid fire service for this Novato underwriter. Briana spent time on the retail side and understands how a cup of tea and good service can create harmony in your day. Try her specialties: • Contractors - Artisan & General • Apartments • Restaurants • Professional Liability • Inland Marine • Excess Liability • Products Liability • Special Events • Mercantile Risks • Monoline Property & General Liability The royal treatment and peace of mind. It doesn’t get any better than this. Go ahead, sip your tea while Briana does the rest.

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People Darrin Silveria

David Rix

California-based Confie Seguros named Darrin Silveria chief revenue officer. The national insurance broker focused on non-standard auto insurance and the Hispanic consumer created the new role to support the company’s growth and continued expansion. Prior to Confie Seguros, Silveria served as senior vice president and managing director of Trivista and spent more than seven years with T-Mobile, most recently as vice president and general manager. At T-Mobile he led a transformation of the retail and sales business. Prior to T-Mobile, he spent 15-years at PepsiCo and Pepsi Bottling Group, where he was responsible for the branded retail sales channel, developing strategy and tactics, as well as leading a team of sales leaders. He held various roles at Pepsi. Confie Seguros was assisted in the selection of Silveria by O’Neill Consulting Group, an executive search firm headquartered in Wakefield, RI. Confie Seguros has built a national portfolio of regional auto insurance brokerages. Confie has reported annual revenue of more than $200 million with more than 300 retail locations and market positions in California, Arizona, Texas, Florida, Washington, Orego n, New York, New Jersey, and Nevada. Confie Seguros is a portfolio company of ABRY Partners. David Rix will rejoin Marsh as head of its Portland, Ore., office. Rix will be responsible for the overall growth and profitability of the office. Rix rejoins Marsh from Willis, where he spent the last eight years serving as its Portland office head. Prior to that, he spent 18 years serving in a variety of risk advisory and client service roles for Marsh in St. Louis, Los Angeles, Buenos Aires, Chicago and Portland. Rix succeeds Richard Stevens, a veteran Marsh exec-

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utive who has led the Portland office for the last six years. Stevens will stay with Marsh to assist in the transition of responsibilities and to serve his clientele. Marsh is a wholly owned subsidiary of Marsh & McLennan Cos., which has more than 53,000 employees worldwide and reported annual revenue exceeding $11 billion. Vertafore named Alex Lintner president and CEO. Linter will also be joining the board of directors. Lintner’s appointment is part of a managed executive transition, which has been coordinated by the lead investor team from TPG Capital and current CEO Euan Menzies. As part of the transition Menzies will continue to be actively involved with the company, and is assuming a new position as vice chairman of the board. Menzies cited personal reasons for his decision to step down from the CEO role, which he has held for the past 12 years. Lintner most recently held the role of president of Intuit’s global business division. He joined Intuit in 2005 as senior vice president of corporate strategy and development after a successful career in management consulting, with firms including The Boston Consulting Group. Vertafore delivers software and services to more than 20,000 customers. Poms & Associates Insurance Brokers Inc. named Daniel Foley and Carol Hotubbee to the Albuquerque, N.M., office. Foley will serve as vice president. Hotubbee will serve as vice president of new business development. Foley has more than 15 years of experience in property/ casualty and employee benefits, and has a book of business that includes governmental entities, construction, high tech, manufacturing and oil and gas exploration. Prior to joining Poms, he was a sales manager and producer at continued on page W6

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People continued from page W4 Daniels Insurance. Foley served on the executive committee of the National Conference of Insurance Legislators for more than four years, and in the New Mexico Legislature for 10 years. Hotubbee has more than 30 years of experience. Prior to joining the firm, Hotubbee was the founder and CEO of The Upgrade Place. She also co-founded and sold several entrepreneurial startups. Poms has offices in California, Colorado, New Mexico and Washington. Novato, Calif.-based Fireman’s Fund Insurance Co. named Brian Cesario as western zone personal insurance executive. Cesario will lead Fireman’s Fund’s western zone for personal lines insurance. He has underwriting and distribution responsibility for the personal lines business, which focuses on the specialized needs of the high net worth market in the west-

ern zone. He will be located in Southern California. Cesario has 27 years of insurance industry experience. He started in underwriting, sales and branch management positions with The Hartford on the West Coast and then moved into senior sales management roles. Fireman’s Fund is a member of the Allianz Group. California Insurance Commissioner Dave Jones named Eric Weirich deputy commissioner of the enforcement branch of the California Department of Insurance. Weirich began with CDI as a detective with the fraud division in 1998. He has held a range of posts. Weirich’s 25-plus years of civilian law enforcement experience includes time as a police officer with the Vacaville Police

Department and as an investigator with the Department of Alcoholic Beverage Control. His law enforcement career began with the security police squadron in the U.S. Air Force. CDI’s enforcement branch has made a reported 1,961 arrests between January 2011 and June 2013. Networked Insurance Agents, an aggregator serving independent property/ casualty agencies across the West, named four key management promotions in California. Scott Smith was made vice president and appointed to head of the Grass Valley office and managing director of the direct access insurance services cluster group. Smith is in his 10th year with Networked, and he will continue with his responsibilities over personal lines new business. Tam Duong was made assistant vice president of commercial lines. Duong will lead the account management teams for both new business and renewals, in addition to her current role as the head of the Orange office. Karen Huang and Steve Rose were promoted to manager of commercial lines new business, in the Orange and Grass Valley offices, respectively. Networked has offices in Northern and Southern California, serves more than 1,200 affiliate members in 10 Western states. Burnham Benefits Insurance Services named two new members to its staff. Laurel McClay, senior account executive, and Michele M. Dang, account executive, were hired to support the firm’s growth and expansion in the Northern California market. McClay, who has more than 30 years of experience, will supply support strategic account management, client relations and new business development. Dang has more than 25 years of industry experience. Dang has serviced both fully insured and self-funded accounts for national brokerage firms.

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Flood Issues Insurance Industry Changes to Follow Wicked Colorado Weather

s the sun peeked out of the normally bright blue Colorado sky, homeowners and businesses began to assess the damage done by the 100-year flood, as weather experts have labeled the devastating rain that pummeled the state’s Front-Range in September. As the weather improved, residents of the hardest hit areas immediately began dialBy Shane Christley ing their insurance provider for relief. According to industry experts, the total damage figure from Colorado’s flood event could potentially exceed $1 billion, after insurance claims from damage to homes, roads, bridges, other infrastructure and agricultural losses are estimated. Agents and brokers would be wise to familiarize themselves with companies that offer flood coverage separate from the National Flood Insurance Program. Chubb Personal Insurance, for example, offers replacement cost coverage up to $15 million, $7,500 in additional living expense and includes coverage for the basement.

In addition, 11,750 people were forced to evacuate. According to the Federal Emergency Management Administration, about 22,000 Colorado homeowners have flood insurance policies. With 2.2 million housing units in Colorado, according to Census figures, that means about 1 percent of the state’s residences have flood coverage. Other parts of the country have seen the devastation caused by Mother Nature and comparisons are being made to last year’s Hurricane Sandy that hit the northeast almost exactly a year ago. By comparison, FEMA estimates show Hurricane Sandy received a total of $5.6 billion in federal assistance that included: $3.5 billion in total National Flood Insurance Program payments made on claims to date; and $413 million in FEMA grants disbursed for individuals and households.

Changes on the Horizon As a result of these catastrophic weather events in the United States, Congress passed the Biggert-Waters Flood Insurance Reform Act of 2012, (BW-12) which calls ‘This year has been a wicked year on FEMA and other agencies to make a for natural disasters in Colorado.’ number of changes to the way the NFIP is run. Some of these changes already have This year has been a wicked year for occurred, and others will be implemented natural disasters in Colorado. We only need in the coming months. Key provisions of to look at the wildfires in Colorado Springs the legislation will require the NFIP to raise in early June to see the impact on the insurrates to reflect true flood risk, make the ance industry with insurance estimates program more financially stable, and change from that event totaling $292.8 million. how Flood Insurance Rate Map (FIRM) Shortly following this destruction, the updates impact policyholders. The changhistoric floods hit Colorado’s front range es will mean premium rate increases for causing additional devastation and further some — but not all — policyholders over impact on the insurance industry. time. Homeowners and business owners are encouraged to learn their flood risk and Comparing Natural Disasters talk to their insurance agent to determine if The Colorado Office of Emergency their policy will be affected by BW-12. Management is estimating that more than Unlike wildfire coverage or hail dam1,500 homes were destroyed in the flooding age — two of the biggest natural disaster with close to 17,500 residential structures events that result in claims in Colorado — damaged. W8 | INSURANCE JOURNAL-WEST October 7, 2013

only a small percentage of people carry federal flood insurance because it is an added cost to the insured. As a result, we may not see the high percentage of claims that these other disasters see. If a homeowner or business has flood insurance coverage, the following is covered under the federal program: Homeowners • Up to $250,000 for structural damage • $100,000 in personal property coverage (personal property in basement excluded) Business • Building property up to $500,000 • Personal Property up to $500,000 As the weather continues to improve, residents in the Colorado towns impacted by the devastating 2013 flood will be faced with the daunting cleanup and rebuilding process that so many along the eastern seaboard have experienced. The insurance industry will most likely be taking a look at flood coverage and its role in the process. Christley is a producer of personal lines for Van Gilder Insurance and can be reached at schristley@ vgic.com or 303-831-5215. Van Gilder Insurance is a privately held insurance brokerage firm serving clients in the Rocky Mountain region and across the U.S.

See related story: Energy Industry Liability May Cover Contamination Claims From Colorado Flooding on page 10. www.insurancejournal.com

IDEA EXCHANGE

Liability Files Energy Industry Liability May Cover Contamination Claims from Colorado Flooding

olorado residents and businesses face devastating water inundation that many are dubbing a one-in-500-years weather event. Nearly 2,400 square miles were saturated with water causing massive dislocation and loss of life. As recovery efforts begin, some environmental groups are turning their attention to the Wattenberg field north By Jared Zola of Denver that is home to more than 20,000 oil and natural gas wells in Weld County and parts of Boulder, Adams, Larimer and Broomfield counties — counties that and Clark Schweers have experienced flooding, washed out roads, and evacuations. Several large oil and gas companies currently operate hydraulically fractured wells in the area. For those businesses that may face potential liability from environmental contamination claims, liability insurance may be an important asset to help manage defense costs and remediation payments — even if contamination claims prove to be wholly without merit.

is leaking ... other industry pipelines are sagging as saturated sediment erodes around the expanding river.” Energy industry companies with operations were working diligently to shut down wells and pipelines to prevent contamination. Many such efforts are conducted remotely at this time because the wellsites and pipelines remain in flooded and unsafe areas. Despite efforts to eliminate potential environmental risks, some are concerned that even when a company shuts off the drilling or shuts down a pipeline, flood waters may still dislodge tanks from their moorings or wash frack pit waste downstream. Companies facing potential responsibility for alleged environmental damages may seek to invoke an act-of-God defense with respect to liabilities asserted against them. Congress defines an act of God as “an unanticipated grave natural disaster or other natural phenomenon of an exceptional, inevitable, and irresistible character, the effects of which could not have been prevented or avoided by the exercise of due care or foresight.” ‘Energy industry companies with 33 U.S.C. § 2701(1) (Oil Pollution operations in the area were working See Act); 42 U.S.C. § 9601(1) (CERCLA) diligently to shut down wells and (The OPA and CERCLA definitions pipelines to prevent contamination.’ of “act of God” are identical). Courts have strictly interpreted this defense to create an uphill battle for companies According to a Sept. 14 article titled seeking to invoke its protection. In United “Colorado flooding: Evacuations, broken oil States v. Alcan Aluminum Corp., 892 F. Supp. pipeline in Weld County” appearing in the 648, 651 & n.1, 658 (M.D. Pa. 1995), aff’d, 96 F. Denver Post: “Oil drums, tanks and other 3d 1434 (3d Cir. 1996), the defendant sought industrial debris mixed into the swollen to invoke the act of God defense after it river flowing northeast. County officials discharged approximately 100,000 gallons of did not give locations of where the pipeline waste into the Susquehanna River during broke and where other pipelines were comHurricane Gloria. The court found that promised. . . .One pipeline has broken and W10 | INSURANCE JOURNAL-WEST October 7, 2013

“heavy rainfall is ‘not the kind of “exceptional” natural phenomenon to which the act of God exception applies.’” Id. at 658 (citation omitted); see also Sabine Towing & Transp. Co. v. United States, 666 F.2d 561, 565 (Ct. Cl. 1981) (a freshet condition on the Hudson River was not an act of God); United States v. Stringfellow, 661 F. Supp. 1053, 1061 (C.D. Cal. 1987) (severe rains at a toxic waste disposal site were not an act of God). Given the unique characteristics of the recent water event in Colorado, companies may be able to successfully advance the act of God or other defenses to their alleged liabilities. Notwithstanding, companies may incur significant defense costs disputing liability and may ultimately pay some amount of money toward remediation to resolve www.insurancejournal.com

age” arises out of those operations. cumstances or occurrences for which they potential liabilities. The endorsement defines “underground may be liable. In light of the short reporting Businesses may have purchased a standresources and equipment hazard,” in pertiperiod, insureds should report now even if alone environmental impairment or pollunent part, as follows: insureds do not presently know if they will tion liability insurance policy to respond to “Underground Resources and Equipment face potential liability. these potential liabilities. Hazard” includes “property damage” to any Another policy provision frequently Others may turn to their comprehensive of the following: oil, gas, water, or other found in CGL policies sold to businesses general liability policies for coverage. CGL mineral substances which have not been in the energy industry is an Underground policies sold to businesses involved in the reduced to physical possession above the Resources and Equipment Coverage energy industry may contain avenues for surface of the earth or above the surface of Endorsement Form G 22 62 10 01 (2000). seeking coverage. any body of water. For example, an Energy Pollution This endorsement may provide covLiability Extension Endorsement ‘Businesses may have purchased a for losses incurred from property Form LD-20562 (06/06) states that stand-alone environmental impairment erage damage to “water or other mineral the pollution exclusion does not or pollution liability insurance policy to substances.” apply to “bodily injury,” “property respond to these potential liabilities.’ Insureds should be aware that their damage,” or “remediation costs” CGL policies may contain these and caused by a “pollution incident,” other endorsements that may provide coverThis endorsement modifies exclusions that meaning a discharge of “pollutants” into the age for potential liability from environmenapply to Coverage A for “property damage” “environment,” provided that: tal contamination claims stemming from and “bodily injury.” The endorsement modthe recent Colorado weather events. It may ifies the policy by stating that the “Damage • the discharge is both unexpected or also be the case that companies concerned to Property” exclusion does not apply to unintended from the standpoint of the about pollution will have a stand-alone any: “property damage” included within “insured”; and pollution policy within their insurance prothe “underground resources and equipment • the discharge commenced abruptly and gram. hazard” other than “property damage” to instantaneously and can be clearly iden A typical pollution policy may include that particular part of any real property on tified as having commenced entirely at a coverage for pollution legal liability, remewhich operations are being performed by specific time on a specific date during the you or on your behalf if the “property dampolicy period; and continued on page W12 • the discharge commenced, at or from a site, location or premises: • owned by or occupied by, or rented or loaned to, any “insured” at the time the discharge commenced; or • at which any “insured”, or any contractor(s) or subcontractor(s) working directly or indirectly on any “insured’s” behalf, was performing operations at the time the discharge commenced; and • the discharge was known by any “insured” within 30 days of the commencement of the discharge of “pollutants”; and • the discharge was reported to us within 60 days of the commencement of the discharge of “pollutants.” This endorsement incorporates insurance coverage concepts that insureds and insurers have litigated for decades, including the fight over what is unexpected or unintended and abrupt or instantaneous. Insureds should immediately report any cirwww.insurancejournal.com

October 7, 2013 INSURANCE JOURNAL-WEST | W11

IDEA EXCHANGE

Liability Files continued from page W11 diation legal liability, legal defense expense and/or contingent transportation. Following or in conjunction with an insured’s assessment of coverage, it is critical that an impacted company become acquainted with the magnitude of potential losses as a result of a catastrophic loss. Insureds often create an internal working group that may include finance, accounting, sales/marketing, operations and the general counsel’s office. Leading companies frequently rely heavily upon external resources like forensic accountants, engineers, construction specialists, brokers and outside legal counsel. When seeking coverage for prior largescale property and business losses, in our experience insureds have found increased

work to quickly determine a low and high estimate of the claim, which enables the insurer to assess the potential scope of monetary loss at issue. The second phase requires significant effort by the insured’s internal and external stakeholders to create a well-documented claim submission including critical financial and property damage costs. In the final phase, the insured and its representatives ‘It is important to recognize that language can work to answer vary significantly from policy to policy and that any questions from the insurers the requirements imposed by specific policy that might arise language may require businesses to act quickly.’ from the claim submission and success in the claims process by following attempt to resolve any differences that may a three-phase road map. In the first of three surface. claim resolution phases, the insured should It is important to recognize that language

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can vary significantly from policy to policy and that the requirements imposed by specific policy language may require businesses to act quickly. Accordingly, insureds should perform the following action items: • Consider and locate all possible insurance policies that may be implicated by your loss, including all policy declaration pages, policy forms and relevant endorsements. If you cannot find one or more of these documents, then request a copy from your insurance agent or broker. • Check your policies to confirm whether written notice of a pollution event is required and within what time frame. Locate the address to which any written notice is to be sent and provide written notice of your loss to your insurance company within the time frame that protects and accounts for the company’s interests most effectively. • Review your policy to determine if there are any additional procedural requirements or deadlines. To the extent possible, comply with all requirements and deadlines. • Establish the right team for the claim. As discussed above, this team may include both internal and external company representatives. • Follow up with your insurance company regarding your claim. Zola is the northeast regional leader for Dickstein Shapiro’s insurance coverage group and is based in the firm’s New York and Stamford offices. Phone: (212) 277-6684; email: zolaj@dicksteinshapiro.com. Schweers is a principal in the Washington, D.C. office of BDO Consulting. He leads the firm’s insurance claim services practice. Phone: (301) 634-0281; email cschweers@bdo.com.

See related story: Insurance Industry Changes to follow Wicked Colorado Weather on page 8. www.insurancejournal.com

NATIONAL COVERAGE

Business Moves

Ryan Specialty Group, S.H. Smith & Co. Ryan Specialty Group LLC has agreed to merge S.H. Smith & Co. Inc. into R-T Specialty LLC, the wholesale brokerage unit of Ryan Specialty Group. Terms of the transaction were not disclosed. S.H. Smith & Co. is one of the largest privately owned specialty brokerages in the country. Headquartered in Hartford, Conn., the firm is licensed in 50 states and works through a network of more than 2,000 independent retail agents. Formed by Scott Smith in 1982, S.H. Smith & Co. has more than 90 team members and manages its business across four segments: professional and management liability; commercial property/casualty; in-house underwriting; and program business. JLT, Towers Watson United Kingdom-based broker Jardine Lloyd Thompson Group plc (JLT) is acquiring the reinsurance brokerage business of New York-based Towers Watson for $250 million. JLT said the acquisition would provide “a very strong reinsurance platform” in the key North American market and bring further strength in the London market and in the analytical capability. Upon completion, Towers Watson’s rein12 | INSURANCE JOURNAL-NATIONAL October 7, 2013

surance brokerage business will be merged with JLT’s reinsurance business, JLT Re. The acquisition is subject to regulatory approvals and is expected to be completed before the end of the year. The two businesses will be fully integrated over the course of 2014 and 2015. The combined reinsurance business will have total revenues of $266 million and 700 employees in 35 locations in 17 countries. The combined business will be branded for a transitional period as JLT Towers Re. Towers Watson’s reinsurance brokerage business generated revenues of $166 million and pre-tax profit of $26 million in the year ended June 2013, making it the fourth-largest reinsurance broker in the world, according to the announcement. Doeren Mayhew, Wolf-Hulbert Accounting and advisory firm Doeren Mayhew has merged with the Michiganbased insurance agency Wolf-Hulbert Co. LLC to form a new full-service insurance agency. Wolf-Hulbert will transition to the newly combined entity name, Doeren Mayhew Insurance Group (DMIG), on Jan. 1, 2014. Operations for the insurance group will move to Doeren Mayhew’s Troy, Mich., headquarters building in early 2014. Since its founding in 1884 in Detroit, Wolf-Hulbert has offered a comprehensive suite of property, casualty and life insurance to family owned businesses and large corporations, as well as personal insurance. ProAssurance, Eastern Insurance Holdings Medical professional liability insurer ProAssurance Corp. is acquiring monoline workers’ compensation insurer Eastern Insurance Holdings Inc. in an all-cash transaction that values Eastern at $24.50 per share. Lancaster, Pa.-based Eastern will become a wholly owned subsidiary of

ProAssurance. The transaction, with an aggregate value of approximately $205 million, is expected to close by Jan. 1, 2014, subject to regulatory and Eastern shareholder approval. ProAssurance Chairman and CEO W. Stancil Starnes said Eastern has a “strong, long-term position” in health care workers’ compensation that will allow Birmingham, Ala.-based ProAssurance to broaden the products it offers to its existing customers. ProAssurance said it will keep Eastern’s corporate office in Lancaster, and its existing regional and satellite offices under the direction of Eastern’s CEO Michael Boguski and his management team. Krauter & Co. Krauter & Co. has added a 10th U.S. base of operations with the addition of a new office in Houston. The Texas-based team will focus on energy, aviation and upper mid-market and risk-management accounts. The team will serve both new and existing clients. The company has recruited employees for the new office: Robert Palmer, James Pearson, Bart Porter and Natalie Hill. Confie Seguros, Olympic Insurance Confie Seguros has acquired Olympic Insurance in Shelton, Wash., a provider of auto, home and small commercial insurance. Olympic Insurance was founded in 1997 and is a privately owned, independent insurance agency serving Washington. Olympic Insurance is Confie’s eighth acquisition in the Pacific Northwest. NFP, Insurance West Corp. NFP Property & Casualty Services Inc. has acquired Insurance West Corp., an independent insurance agency in Simi Valley, Calif., specializing in property/casualty for the entertainment industry. IWC will be fully integrated into NFP. IWC provides personal, commercial and financial coverage, with a majority of its business focused on core commercial lines across manufacturing, transportation, construction and entertainment industries. www.insurancejournal.com

NATIONAL COVERAGE

Declarations Unfair

Beware of Scammers

Trend Setter

“This unfair consequence could devastate parts of Florida’s real estate market, stymie Florida’s economic recovery and diminish the state’s tax base.” — Florida Gov. Rick Scott urging Florida Senators Bill Nelson and Marco Rubio to support a delay in flood insurance rate increases.

“Consumers and business owners should be cautious when receiving an unsolicited sales pitch related to the ACA.” — Maine Gov. Paul R. LePage’s warning to the public about scams related to the federal health reform law, the Affordable Care Act. Officials say various schemes have been reported throughout the country as scam artists attempt to exploit confusion about the law.

“Once again, California is the trendsetter in utilizing technology to meet a consumer need.” — Mark Sektnan, president of the Association of California Insurance Companies, commending the California Public Utilities Commission for creating a new category called a “Transportation Network Company” that will cover businesses that allow customers to summon rides using apps from drivers who use their personal, non-commercial vehicles.

It Stands to Reason “It just stands to reason that the more impediments, the more tests, the higher the costs we impose on people wanting to play this role, we’re going to scare away people who otherwise would do a good job.” — David Riemer, senior fellow at the Community Advocates Public Policy Institute, a liberal group that focuses on reducing poverty. He commented on the fees imposed by the state of Wisconsin for training, background checks and exams on people who want to participate as “navigators” in the new federal health insurance marketplace.

Figures $2 Billion

200,000

The estimate of economic losses caused by widespread flooding in Colorado, according to a report from catastrophe modeling firm EQECAT. The firm said that loss estimate will likely rise.

The number of policies with Florida’s Citizens Property Insurance that would be shifted to eight private insurers under the latest takeout plan.

$3.7 Billion

The approximate total amount paid out by the National Flood Insurance Program for Superstorm Sandy-related flood claims in New York, according to the Federal Emergency Management Agency’s latest figures.

14 | INSURANCE JOURNAL-NATIONAL October 7, 2013

The number of worker fatalities on Illinois farms in the 12 months ending June 30, according to the insurance firm Country Financial. That number is the lowest number of farm fatalities in the state in 35 years, and 20 fewer than reported in the same period for 2011-2012.

www.insurancejournal.com

CLOSER LOOK

The Food Issue 10 Things to Know About Liquor Liability Liquor liability insurance is defined as coverage for bodily injury or property damage caused by an intoxicated person who was served liquor by the policyholder, according to the Insurance Information Institute (I.I.I.).

Other states require proof that the establishment sold alcohol to the intoxicated individual, injuries were sustained and the injury was the direct result of the individual’s intoxication.

The breadth of liquor liability coverage varies by state because each state has its own interpretations and evidence requirements of who is legally liable in the event of an injury to a third party.

CAMY’s report states that 54.3 percent of binge drinkers who reported driving after their most recent binge drinking episode drank in an on-premises, retail alcohol establishment such as a bar, club or restaurant.

The I.I.I. reports that “dram shop liability,” or social host liability, holds a social or commercial host liable for injuries inflicted on a third party by an intoxicated guest of the host’s event or establishment.

If liquor liability is covered by a homeowners insurance policy, it may be limited to $100,000 to $300,000 in coverage, says the I.I.I.

44 states and the District of Columbia have enacted dram shop liability laws or statutes that extend to social or commercial (retailers) hosts, according to a report from the Center on Alcohol Marketing and Youth (CAMY) at John Hopkins Bloomberg School of Public Health and published by the American Journal of Preventative Medicine.

In some states, every bar in which an intoxicated person drank can be pulled into a lawsuit if the person causes bodily injury to a third party. The establishment must prove that the patron was not or did not appear intoxicated while there.

16 | INSURANCE JOURNAL-NATIONAL October 7, 2013

In February of this year, ISO revised the liquor liability exclusion contained in its general liability forms to address “bring your own” alcohol establishments. The new exclusions now have an exception for insureds that are not considered to be “in the business of serving, selling or furnishing alcohol under the scope of the liquor liability exclusion simply by allowing someone to bring and consume their own alcohols on its own premises.” Many carriers offer discounts on liquor liability coverage to establishments that provide alcohol awareness education and training to employees.

www.insurancejournal.com

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The Food Issue Keeping Up With New Restaurant Trends By Young Ha

seeing a revenue rebound among her firm’s insureds. For insurance rates, restaurants are facing small, incremental rate hikes s the economy rebounds from the overall, although individual rates depend Great Recession, the restaurant induson a range of considerations, including the try also is enjoying a gradual recovery, location, construction and design of the according to industry observers. building, as well as the business model of Many restaurants — especially smaller, each establishment. single-unit operations — continue to face Strommen says there’s “more underwritheadwinds, but there is also a sustained ing taking place,” so recovery and growth, It’s important for agents that accounts with especially in the “fast previous claim issues casual” segment. to monitor changes in are more likely to be Generally, property/ restaurants’ operations appropriately casualty rates for and help insureds obtain priced than they were just a restaurants appear to appropriate coverage. couple of years ago. be rising modestly, ProHost is a prowith higher increases gram administrator that writes restaurant in weather loss-prone areas. package policies that include property, At St. Louis Park, Minn.-based ProHost general liability, liquor liability, crime covUSA, president Heidi Strommen says she is

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erage, auto and equipment breakdown. One of the growing

challenges the company sees in the marketplace involves weather-related losses. “It’s not just strictly for restaurants,” Strommen says, “but obviously everybody is facing some challenges with the revisions in the catastrophe modeling.” She says major natural catastrophes during the past couple of years are causing insurers to view property coverages in certain regions differently: “It’s definitely something that has changed the market.” There also has been a change in underwriting appetite in some areas, “where we didn’t use to think of weather-related claims being a big issue, and it’s not just for coastal states,” she says. In the middle of the country, like Oklahoma and Kansas, there have been more wind deductibles being used because they are in the tornado alley, and they’ve had recurring disasters and catastrophic weather events in that part of the country, Strommen says. “Keeping up-to-date with underwriting for catastrophes and how to address them in the book of business is certainly a challenge for everyone these days,” she says. She also advises that as restaurants continue to experiment and seek new ways to boost revenues, it’s critical for agents and insurers to keep track of changes and assist policyholders in obtaining appropriate coverage. She says she has been seeing, for example, some restaurants that never had delivery before now trying delivery for the first time. Sometimes, she says, restaurateurs don’t continued on page 20

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CLOSER LOOK

The Food Issue continued from page 18 realize they need to consult their insurance agents to make sure they have coverage in place for delivery. In terms of other loss trends, slips, trips and falls claims occur very frequently and consistently, and that pattern hasn’t really changed, she says. But Strommen says data breach exposures are an emerging and increasing risk. She says that as more restaurants move toward computerized systems and online technology, this is becoming an area with some large uninsured exposures in some cases. Woodbridge, N.J.-based NIP Group, which offers business insurance programs for owners and operators of restaurants, says the market for restaurant insurance is “still highly competitive,” with activities by established and some new players, and additional capacity entering the space. David Springer, president and chief operating officer of NIP Group, says his

on small businesses, he says, particularly as firm is seeing prices remaining essentially it relates to employee head counts and the stable. NIP Group’s program offers standard number of hours worked, both of which are business coverages, such as general liability affected by stipulations within the ACA. and property, along with optional enhance “All in all,” ments. The restaurant insurance mar- he says, “as the Springer agrees that the most ket is still highly competitive, economy continto gain steam, common perils with activities by established ues we expect to see for restaurants are and new players. increased activity slips, trips and with both regional falls. and national chain restaurants, as well as “Any environment where you find an smaller, mom-and-pop operations.” abundance of water or cooking fats sets the Casual and family friendly restaurants stage for those kinds of mishaps,” he says. seem to be in a better position than high Another area restaurants need to coner-end restaurants, Springer says. sider is employment practices liability, he Some industry observers also say they observed. “The nature of the industry seems are continuing to see non-specialist carriers to lend itself to these types of claims, and enter and leave the restaurant sector at a we are seeing some increases in both fresteady pace, which poses challenges and quency and severity, which, of course, drive opportunities for more established marup loss costs,” Springer says. kets. Additionally, the Affordable Care Act has many wondering about potential impacts Insuring Grocery Stores In the food industry, another active marketplace centers around grocery stores. The marketplace is currently very competitive in terms of appetite, with numerous admitted and non-admitted insurance carriers, and no single carrier in a market dominant position, according to an insurance executive who declined to be identified. Coverages Available Through A.M. Best “A” Rated Carriers The executive says carriers of all sizes are active in the space, including specialists and generalists. Rates for small commercial • Animal Mortality • Foreign Exposure stores have been rising modestly in most • Contractors General • Garage areas. The grocery industry also is trying to Liability • Hospitality find higher-margin or value-added products • Contractors • Inland Marine and services, such as online ordering and Pollution delivery, or increased catering operations. • Pollution • Data Breach Such services could create additional expo• Professional Liability sures, he cautions. • Environmental Contractors • Property Liability For grocery stores, leading causes of loss • Umbrella • Event Cancellation other than fires include: slips and falls, crime or employee dishonesty, food sickAsk us about our Online Quoting! ness or allergic reactions, and loss of customers due to a covered event. Additionally, cyber liability and employment practices marketing@midman.com 800.800.4007 liability insurance are filling increasingly midlandsmgt.com critical coverage needs for grocery and convenience stores.

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CLOSER LOOK

The Food Issue Insurers: Product Recalls a ‘Death Sentence’ to Food Manufacturers, Coverage Demand Still Lags By Amy O’Connor

ood recalls are on the rise, but that isn’t necessarily because food manufacturers are not meeting safety requirements and more food is contaminated or unsafe. In fact, insurers in the product recall space who insure food manufacturers say safety standards are higher than ever before, thanks in part to the Food Safety Modernization Act (FSMA) of 2011. According to FDA.gov, the FSMA has increased the frequency of inspections of food facilities by the FDA, required certain food testing by accredited laboratories, and given the FDA access to the records of industry food safety plans. All of this — and more — is being done to “ensure the U.S. food supply is safe by shifting the focus from responding to contamination to preventing it” according to the site. The FSMA also gives the government the authority to issue a mandatory recall whenever there is evidence or concern a facility’s food item could be contaminated, and when the food manufacturer does not voluntarily conduct a recall when asked. Since

“Without proper product recall coverage, the FSMA was enacted in Jan. 2011, howeva large recall could be a death sentence to er, no mandatory recalls have been issued, a company,” says Louis Lubrano, senior vice says John Turner, North America product president of Global Crisis Management for recall underwriting manager for XL. Liberty International Underwriters. “If the FDA finds an illness is related to Product recall coverage typically includes your facility and says ‘we would like you to all the costs associated with recalling a voluntarily recall,’ the vast majority of food product, including pulling it from store manufacturers comply with that request. shelves and replacing You could debate if that is really voluntary, but ‘Without proper product it, as well as crisis management to handle technically it is,” he says. recall coverage, a large the fallout from the Turner says comparecall could be a death recall. Some policies nies know it is in their sentence to a company.’ include third-party best interest to recall a coverage as well, to product because they will reimburse costs incurred by someone else have a difficult time restoring consumer as a result of the recall. Product recall policonfidence if they are ordered to recall their cies also typically provide risk management food products by the government. services that help insureds implement “It shows that you were put in a position effective protective controls to ensure a kicking and screaming, and that’s not good product is manufactured safely. — particularly in the current era of social For the food industry, carriers may offer media,” he says. product contamination coverage, which is But a voluntary recall is still a recall, triggered by a contamination or mislabeling and that means there are huge costs for the discovered before a product has left the company to incur — both financial and repfacility, not after a recall has been ordered. utational — so product recall is an import Turner says the increased product recall ant coverage for companies to buy. headlines and scrutiny by the FDA has not been enough to significantly increase demand for product recall coverage. “The coverage is still seen as a luxury buy. It is customary practice to buy general liability but not product contamination insurance, even though the risk is a business killer,” he says. “Because of the FSMA and big companies requiring [their suppliers] to have the coverage, that is changing, but more slowly than we would like.” Lubrano says LIU has seen more interest in recall coverage because of the FSMA, but there has also been an increase in claims industry-wide. “For an insurance carrier, it is a double-edged sword,” he says. Lubrano and Turner say that thanks to a major influx of capacity over the past two continued on page 24

22 | INSURANCE JOURNAL-NATIONAL October 7, 2013

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CLOSER LOOK

The Food Issue

continued from page 22 opportunistic nature. years, rates have stayed flat or increased “If there is a need, the insurance industry very slightly. will step in and fill it; successful companies Lubrano says just five years ago, there will do it profitably,” he says. “To get in the were half as many carriers in the product business is one issue, but how you conduct recall/product contamination marketplace, but that is a reflection of the industry’s R4_I J_Half_Ins Journal 4/9/13 12:23 PM Page 1yourself in the business is another issue.”

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Turner says considering the increase in risk, the rate levels aren’t ideal, but that is the state of the market. He says carriers differentiate themselves from the increased competition by what coverages their policies provide. For example, XL’s crisis management consultants only work with XL, so they are not spread too thin when a recall occurs. “There can be tens, if not hundreds, of manufacturers involved in one recall, and we want our clients to get that service right away,” he says. The carrier also launched a government recall endorsement for voluntary or forced recalls when it launched a new product recall policy for the food and beverage industry in 2010. LIU has been working on its own market differentiators. It recently launched a product recall policy tailored to the packaging industry, including manufacturers of packaging for food and beverage products. The new Packagers Protection policy offers a form with product recall, product contamination or manufacturing errors and omissions as the potential trigger. Lubrano says the company has had requests from the packaging industry for a product like this because of the complexity of the food supply chain process and the difficulty of quickly identifying where the source of a contamination occurred. Food packagers often incur third-party costs associated with a recall, even if they are not responsible for the contamination. “Before this product, a food packager could buy a broad product recall policy or contaminated product policy, but nothing was specifically tailored to the packaging industry like this policy is,” he says. The coverage also includes crisis management services from red24, the firm that LIU uses for specialized loss control engineering and loss mitigation services. “Insurance agents and brokers and suppliers need to understand you are exposed wherever you are in the food chain. From growers to the retail level you can contaminate a product and have the exposures,” Lubrano says. “There is no specific niche that doesn’t need this coverage.” www.insurancejournal.com

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NATIONAL COVERAGE

My New Markets Fire, Burglar, Medical, Alarm Suppression Market Detail: Berrian Insurance Group (www.big-ins.com) writes more than 400 classes including: fire equipment distributors; fire & emergency apparatus dealers; fire extinguisher sales & services companies; restaurant & special suppression system contractors; fire alarm/burglar & security system installers; fire suppression contractors; security guard & patrol services; off duty police officers; armored car services; medical alarms; private detective or investigative agencies; process servers; monitoring; armed or unarmed; with or without animals. Available limits: Minimum $1 million, maximum $10 million Carrier: Various, admitted and non-admitted available States: All states Contact: Elizabeth Mains at 303-531-4986 or email: emains@big-ins. com

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Relocation Insurance Programs Market Detail: RelocationInsurance.com (www. RelocationInsurance.com) offers insurance for moving, storage, mobile storage, fine art moving, military moving, loading and

Limousines Market Detail: Lancer Insurance Co. (www.lancerinsurance.com) offers 15 percent commission for new limousine accounts to retail brokers. Coverage is available for stretches, sedans, super-stretches and limo buses. Coverages include: commercial automobile liability; automobile physical damage; commercial general liability; garage liability and garage keepers legal liability. Liability limits are available up to $5 million CSL. Coverage is provided on a first-dollar basis. Larger accounts can be underwritten with a liability deductible. Available limits: As needed Carrier: Lancer States: All states except Alaska, Calif., Dela., Fla., Hawaii, Ill., Ky., La., Mass., Mont., Nev., N.J., N.Y., Okla., Pa., Utah, and W.Va.

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Market Detail: Bill Taylor & Associates Inc. (www.bowling insurance.com) offers property, GL, LLL, HNOA, excess, and WC for bowling centers in the South and will partner with select agents in most states. Available limits: As needed Carrier: North Pointe Insurance Co. States: Ala., Ariz., Ark., Colo., Miss., N.M., ® Okla., Tenn. and Texas Contact: Bill Taylor at 512-396-2211 or email: bill@btainsurance.com, or Richard Poling at SALES & MARKETING IDEAS FOR P&C PROFESSIONALS 303-996-5419 or email: rpoling@ onpointunderwriting.com

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Flood (Residential, Business and Excess) Market Detail: Reliable Insurance Managers, Inc. (www.reliableins.net) provides a high rate of commission and offers flood insurance for homes, mobile homes, apartments, condos, business property, and excess flood. No minimum required and no setup costs. Available limits: Minimum $20,000; maximum $250,000 Carrier: Unable to disclose, admitted States: All states Contact: Customer service at 713-227-7283

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SPOTLIGHT

Professional Liability E&O Insights: How Well Do You Know Your Accounts?

rofessional liability, or errors and omissions as it is also known, is a unique line of business. After all, how many other lines of business have terms like claims made, claims made and reported, retro dates, tail coverage? Not many. On top of that, it is widely known that no two policies are the same, which presents unique challenges, By Curtis M. Pearsall especially when looking to move coverage from one carrier to another. While all of the issues have resulted in a fair number of E&O claims against agents selling this line of business, there are additional issues that agents need to be acutely aware of. New App Every Year With most professional liability carriers, there is a requirement that a new application be completed each year. This is not always the case based on the type of professional liability, the nature of the risk and the size of the account. However, for accounts that have professional liability coverage, it is essential that producers factor the possibility of a renewal app into their renewal process. If a renewal app will be necessary, producers should identify this requirement early on and make sure that they know exactly what app will be necessary. As professional liability carriers update their apps to ensure that they are aware of the exposure, agencies should not count on the fact that last year’s app is still the current one. Sufficient Time Give your carriers sufficient time to underwrite the account. Most professional liability carriers will request the app 30 to 45 days before the expiration date. There may have been times in the past where they were able to turn the app around in less time, but don’t count on it, especially in a 28 | INSURANCE JOURNAL-NATIONAL October 7, 2013

hard market where the application activity could be on the rise. To accomplish this, it will be necessary for the agency producer to meet with the customer approximately 60 days prior to the expiration date to get the necessary application questions completed. Account Changes Don’t expect that your account looks the same today as last year. One of the reasons that carriers want a new app on a frequent basis is to make sure that the carrier is aware of any changes in the exposure and that they are comfortable with these changes. This would be comparable to an insurance agency one year selling predominately main street basis on a retail level and the next year being an agency that has developed into a wholesaler specializing in tough classes of business. The E&O carrier may not feel comfortable with the new exposure or may decide to change the pricing, terms and conditions. There is certainly the possibility that the account will look the same as the prior year, but don’t count on it. Complete App Do not complete the application for the customer. Typically, producers want to make it “easy” for their customers to renew with them so there may be a tendency or desire to complete the application for the customer assuming no changes. Producers should never do this! As noted by the following E&O claim, this has tremendous potential to cause some major issues. A claim, involving an agency in one state with a resident producer in another, was an extremely complicated matter involving a professional liability policy secured for a commercial real estate broker. The broker was involved in some real

estate transactions that caused some parties investing in real estate to incur large tax liabilities contrary to the advice the broker/client had given to them. The agency, apparently aware of the nature of the risk, sent the risk a very brief application with a signature page. However, the application that they sent to the carrier was much longer and contained many inaccurate answers to the questions. It appeared that the client had not seen those questions and the agent had answered the questions on his own. When claims started coming in, the carrier initially balked but then subsequently agreed to provide a defense. The carrier then took the position that it would not have written the account had it known the full and true nature of the risk. The carrier, along with the client, then came after the agent. The client stated that had it been asked all of the various questions, it would have provided accurate responses. With damages more than $1.5 million, the E&O claim against the agent was settled for $772,500. Producers may think that it is an inconvenience for the customer to complete the application, but this is really the best way to secure the “true nature of the risk.” This approach will also provide a significant degree of protection for the agency should a problem develop alleging application inaccuracies. www.insurancejournal.com

provide coverage for all of the customer’s Not Covered activities. Just because the professional activity is noted on the app does not mean that it is Don’t Say It covered. As mentioned previously, no two E&O Carriers that write professional liability policies are the same. If the producer haptypically have a zone of what exposures pened to provide multiple professional they are comfortable with and which ones liability proposals, the producer should not they are not. Those activities that they are state or imply that not comfortable with are probably going to Professional liability has the the coverage of both of the policies are be excluded. Some of potential to cause serious the same. If the the exclusions may producer is taking be able to be “bought E&O issues. the account away back” for a certain prefrom another agent, he should be careful mium. not to state that “this policy is better than This speaks to the reason why profeswhat you had.” sional liability customers should review the In addition, a focus or decision based policy in total (not just the exclusions) to solely on price would be very short-sighted. determine what activities are covered and Securing specimen policies is extremely which activities are not. This review should important so that a full review can be perbe heavily stressed by the producers to formed. remind customers that the policy may not

Review the Policy There have been many E&O claims against agents where the professional liability coverage policy contained a “current” retro date when the customer fully needed and was expecting full prior acts coverage. The producer should review the policy to ensure that it reflects what was ordered. The customer also should be requested to review the policy. Professional liability is serious stuff, and due to its uniqueness, should be treated as such. Anything less has the potential to cause some major E&O issues. Pearsall is president of Pearsall Associates Inc., a risk management consulting firm specializing helping agents protect themselves. He is also a special consultant to the Utica National Agents E&O program. Phone: 315-768- 1534. E-mail: curtis@pearsallassociates.com. Blog: www.agentseotips.com.

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SPECIAL REPORT

he votes have been tallied and the results are in for the 2013 Best Independent Insurance Agency to Work For survey by Insurance Journal. The owners of the Best Agencies to Work For in 2013 highlight different programs or benefits depending upon their employees’ needs, their community, agency history, resources, even their own personalities and styles. However, it is clear that it’s not all about benefits and programs. Happiness in the workplace has a lot to do with people and relationships. Employees of the winning agencies cite high personal job satisfaction; rate their relationships with their immediate boss or supervisor as positive; and express a high opinion of their agency’s owner or principals. Many employees are grateful the best agency owners support local communities through charitable efforts and community outreach. Employees are grateful for the opportunities their agencies provide for them to participate in community service. Employees take pride in working for agencies that are respected in their communities. Employees also appreciate the generosity of their agency owners in sharing revenues in the form of bonuses and trips. The best agencies also provide ways to help their employees grow — by giving them the tools and technology they need, and supporting them with education, training, annual performance reviews and, in some cases, mentors. The survey results clearly show employees value this support. As expected, the winning agencies score high for overall employee benefits including wellness programs and for working conditions including flex-time and alternative schedules that allow employees to work from home. The best agencies to work for also provide employees with a strong sense of work-life balance, and deliver a workplace environment where employees feel supported wholeheartedly by management and their peers. Many of the employees say they feel like family in their agencies. Insurance Journal thanks the many customer service representatives, account executives, producers, managers and other agency staff who took the time to nominate independent insurance agencies for this year’s survey.

www.insurancejournal.com

The Winners Overall Kapnick Insurance Agency Adrian, Michigan East Mackoul & Associates Island Park, New York Midwest Reliable Agency Inc. Cloquet, Minnesota South Central Watkins Insurance Group Austin, Texas Southeast Senn Dunn Greensboro, North Carolina West Wood Gutmann & Bogart Insurance Brokers Tustin, California

October 7, 2013 INSURANCE JOURNAL-NATIONAL | 31

SPECIAL REPORT

Best Agency to Work For - Overall ADRIAN, MICHIGAN

Kapnick Insurance Group

Kapnick Insurance Group Executive Team: L to R: James D. Kapnick, president; Michael L. Kapnick, CFO/COO; Stephen J. Peck, president, Kapnick Benefit Services

Third Generation-Owned Kapnick Insurance Group Stays True to Family Values By Andrea Wells

air, professional, ethical and transparent — just a few of the words employees used to describe Insurance Journal’s 2013 Best Overall Agency to Work For: Adrian, Mich.-based Kapnick Insurance Group. “Kapnick is successful because of the way they treat their employees ... like they do their clients. Employees are treated with dignity and respect,” one employee wrote. “Management encourages all to participate in the growing of this company by awarding incentives for process improvements and new ideas. Kapnick has created a team environment where every member feels important and informed,” another employee said. Founded in 1946, Kapnick is growing, and its employees are a huge part of that growth, says Jim Kapnick, president. Jim, 45, runs the third generation-owned, family-run independent agency with his brother Mike, 42, who serves as the chief financial officer and chief operating officer. Since taking over the reins as president 32 | INSURANCE JOURNAL-NATIONAL October 7, 2013

in 2003, Kapnick has grown the company to one of the largest privately held independent agencies in the Midwest, ranked No. 89 on Insurance Journal’s Top 100 Privately Held Independent Agencies list with $21.5 million in total revenue in 2012. Throughout Kapnick’s history, the agency has centered its business strategy on niche and specialty programs. Specialties by size of book include: manufacturing; real estate property management; transportation and related services; hospitality and recreation and professional services. Kapnick has about 130 employees in its three offices in Adrian, Southfield and Ann Arbor, Mich., and writes a balanced book of business — 47 percent commercial P/C insurance, 45 percent employee benefits and 8 percent personal insurance. “We used to be heavily on the P/C side but purposely, over the last seven years, we wanted to get our benefits equal to our P/C and we are pretty much there,” Kapnick says. “We wanted to have a good balance and have a holistic approach for our clients.” Balance appears to be a common theme

throughout the Kapnick organization. “Kapnick allows for flexible work schedules so employees can balance family, work and community involvement,” an employee said. Another employee believes the agency is one of the best places to work “because they genuinely care about their employees’ well-being and work-life balance. They know that it is their employees that make them great!” Kapnick says the key to success is in its roots as a traditional, family-run business. “We’ve pledged our allegiance to independence,” he says. “That sounds kind of hokey but it’s true.” Being a family company “puts accountability on us to be good stewards for the company, keep the name going and keep it growing so hopefully it’s around for future generations,” he explains. “We treat people with a lot of compassion. We try to treat them almost like a family member.” Part of that philosophy comes from how Kapnick views other business’s practices. “Too often I see people are cut-throat. We are very selective on whom we hire and bring in, but once they are hired we work very hard to make everyone as successful as possible.” The company allows employees to attend educational events to keep up with changes in the industry, for business building practices and regulations. Kapnick also recognizes employee accomplishments from passing tests, completing courses, to producer career accounts. And the agency celebrates economic and noneconomic success. Having fun and energetic enthusiasm in the workplace is paying off. “We are probably on track to hit about 13 percent to 15 percent growth, which we are very happy with,” Kapnick says, noting it’s 100 percent organic growth. The agency’s goal is to reach $30 million in revenue in five years. “We are adding staff and we feel good about where we are,” Kapnick says. And so do the agency’s employees. www.insurancejournal.com

Best Agency to Work For - East ISLAND PARK, NEW YORK

Mackoul & Associates

A photo of Mackoul & Associates staff during their recent company dinner. “We always try to give back to them, and they give back to us,” President Edward J. Mackoul says.

At Mackoul, Sharing Successes and Overcoming Adversities By Young Ha

t Mackoul & Associates, every success is celebrated together with its staff. And during times of need, everyone comes together and supports one another, as witnessed during last year's Superstorm Sandy. The New York-headquartered agency has 30 employees, with approximately $5.5 million in revenues and $32 million in property/casualty premium volume. The agency, whose main office in Island Park, N.Y., was submerged in over 6 feet of water when Sandy landed, is now getting ready to move back into its newly renovated building. Mackoul & Associates, which specializes in insurance for co-ops, condominiums and apartment buildings, invests in its employees and strives to help them grow, reimbursing all expenses for their professional development. “We promote education. We encourage and take care of our staff to go get their brokers license and purse professional development,” says Sally Dolce, the chief operating officer. www.insurancejournal.com

“I was sent to school to receive my P/C license. I was paid for the work time I missed, as well as my schooling and licensing fees,” one employee said. “When my oneyear anniversary hit, I was given a review and a raise, and a gift card congratulating me. I don't know any other agency that would be so generous and supportive.” From team-building activities and expenses-paid outings to volunteer programs, the agency provides constant opportunities to create a supportive workplace. And as the agency meets its company-wide new business and retention goals, employees also receive bonuses and different perks — such as paid vacations for the entire staff. “Every year if we grow a certain amount, we take the staff away on a five-day vacation,” says Mackoul & Associates’ President Edward J. Mackoul, whose father, CEO Robert E. Mackoul, founded the agency in 1987. “We made our goal last year, so we took the staff away this past Labor Day, closed the office, and took all the eligible employees who were with us last year on

a cruise out of New York to Canada for five days and four nights.” The firm also offers generous employee benefits such as a corporate match to the 401k plan, medical and dental, long-term disability and life benefits, as well as flexible work schedules. “I have a 2-year-old son at home and have been able to work from home two days a week. This has been a tremendous help to me. I don’t mind working late hours or attending after-hours work functions because I love what I do,” one staff member said. “Mackoul truly appreciates the staff and shows it on a daily basis.” In the immediate days after Sandy last year, the agency was able to get back up and running within a day and a half at a temporary location to assist its clients. “After a storm, an insurance agency phones are ringing off the hook. The managers of Mackoul & Associates were able to get us in a remote office and back to work, so we could properly assist our insureds with their claims,” an employee said. The management took care to speak with each staff member and “asked if there was anything they could do to help us during the hectic time,” one staff member recalled. “I really felt that despite the fact that the office was underwater, the well-being of the staff was the owner’s No. 1 concern.” “Our bosses kept their heads high throughout the whole process, even though they had lost so much personally as well,” one staff member said. “Many employees lost a lot as well, and management was there to help them. We are a family. We all work together and have been through a lot together.” President Mackoul says he credits his staff’s dedication for the firm's swift recovery following Sandy. “We always try to give back to them, and they give back to us. That was the case during Sandy – they gave back to us no matter what was going on in their lives,” he said. "Our employees are our biggest asset.” October 7, 2013 INSURANCE JOURNAL-NATIONAL | 33

SPECIAL REPORT

Best Agency to Work For - Midwest CLOQUET, MINNESOTA

Reliable Agency Inc.

Known as the “Reliable Family,” staff and principals of Reliable Agency Inc. gather outside their office in Cloquet, Minn.

A Reliable Family — True to Its Name By Stephanie K. Jones

eliable Agency Inc. is known locally and in-house as the “Reliable Family,” and that’s exactly how its employees feel — that they’re part of a family. It is in that spirit that Reliable’s employees — its family members — endeavored to have the agency designated Insurance Journal’s Best Agency to Work For in the Midwest region in 2013. Reliable Agency in Cloquet, Minn., a town of about 12,000 about 15 miles from Duluth, promises customers that “We’re True to Our Name.” In Insurance Journal’s Best Agency to Work For survey, employees described an agency culture that is about equality and fairness, and in which everyone’s opinion matters. “From the day I was hired, I have been treated like I am part of a very close family,” commented one Reliable employee. “The work environment is one of hard work and fun. I can't believe how lucky I am to be a part of this family.” Another employee continued the family theme: “We are in essence, a family. This environment is created at the top, and we all share in one common goal — to provide 34 | INSURANCE JOURNAL-NATIONAL October 7, 2013

a great service to our community and surrounding area. We all have our individual goals and workload, however, many of these cannot be attained without the help of our family members at the agency. This environment also keeps each and every person accountable, as you never want to let your family down.” Reliable’s owners, Steve Micke and Val Wojtysiak couldn’t agree more. “We treat our employees as equals. We’re not any better or any worse. They work just as hard as we work, and they should be involved in the rewards of the business,” Micke says. Micke’s father, Ted Micke, who originally had been in the banking business, started the agency in 1974. Steve Micke joined the firm in May 1981 after serving as an underwriter at Allied Insurance Co. Wojtysiak at the time was working at a bank that had purchased some insurance agencies. She was recruited by Ted Micke and came on board at Reliable in June 1981. “We started out with six total employees and now we’re at 22 employees,” Micke says. With a mix of property/casualty, life/ health and financial and ancillary products, Reliable Agency’s annual premium exceeds

$20 million and its annual revenue is more than $2 million, Micke says. Many employees praised the agency’s performance review policies. “The agency owners are more than generous on their performance and salary reviews,” said one staff member. “They always look to the positive for each employee and help to fix anything that may be lacking. They are very willing to compensate each employee’s salary for the work that is put in.” Other employees described generous perks and benefits offered by the agency. “Our agency owners put everything back into us,” said one employee. “We have trips, bonuses, educational opportunities, raises, weekends away with company, etc.” “We are also offered amazing benefits — our health insurance is paid for, we have profit sharing and 401k matching contributions,” said another. “Our vacation, sick, and flex time is exceptional, as well.” Micke and Wojtysiak were not surprised that their employees had good things to say about their employee benefits packages. “We have a very nice 401k profit sharing plan,” Micke said. “If they put in 5 percent of their income, we’ll match four of that.” The company pays 100 percent of health insurance premiums. Vacation time and flexible schedules are generous. And employees can work extra hours to earn up to six extra days off per year, and can purchase an extra week of vacation. Micke also believes they pay very good wages, and “at the end of the year if the agency has a successful year and we have some profit, we share that back in the form of nice bonuses to the employees,” he says. One staff member summed up employees’ attitudes about how the agency treats employees: “Reliable Agency is the best agency to work for because management really wants us to succeed and will do what they can to contribute. Our motto is ‘We work hard, and play hard’ and this is true with all of our employees.” www.insurancejournal.com

Best Agency to Work For - South Central AUSTIN, TEXAS

Watkins Insurance Group

L to R: Andy Webb, V.P.; Rodney Watkins, president of East Texas offices; Matt Womack, V.P.; Sheila Noxon, V.P.; Patrick Watkins, president of Watkins Insurance Group; Mike Mosley, V.P. Photo credit: Will Gallagher of Gallagher Studios.

Watkins Insurance Group Manages Steady Growth, Even in Difficult Times By Stephanie K. Jones

atkins Insurance Group has been on a growth trajectory for the past 20 years, and that’s just fine with the group’s employees, whose efforts led to the firm’s selection as Insurance Journal’s Best Agency to Work For in the South Central region. “We have been blessed to grow every year for the past two decades. This is a rarity, especially over the past few years with market and economic headwinds. This is due to great leadership, great personnel and a great team culture,” said one Watkins employee who responded to Insurance Journal’s 2013 Best Agencies to Work For survey. “We have had continued growth and profit since I started with the agency,” said another employee. “In eight years, we have grown from approximately a staff of 30 to almost 100 employees. We have more than doubled our revenue in this time.” The agency, which was founded in Austin, Texas, has grown up with the city, said company President Patrick Watkins. “We’re just proud to have grown up with www.insurancejournal.com

Austin so to speak, our Austin office. That’s a big presence for our agency and all the communities we serve. It’s great to be a part of the community as we’ve all grown together,” Watkins said. The agency was founded in 1949 by Patrick Watkins’ father, David. Patrick joined the firm full-time in 1994 and took over the reins of the company in 2002. Company expansion really accelerated in the past decade. The company, which has been deemed a “Best Practices Agency” by the Independent Insurance Agents and Brokers of America, writes business all over the country and has a presence throughout Texas. In addition to Austin, Watkins Insurance has offices in Holly Lake, Longview, Marble Falls, Minneola, Tyler and Waco. Annual revenue, including property/casualty and benefits, is in the $11 million to $25 million range. In addition to praising the company’s ability to grow even in difficult times, Watkins’ employees lauded the educational opportunities offered by the agency, the personal support provided by management

and fellow team members, and the firm’s commitment to its staff members, clients and the community at large. “I love that we volunteer at Casita, Habitat for Humanity and the Children's Shelter. It matters to me that we are involved in the everyday life of Austin's residents,” said one employee. “They are always providing us with education free of charge, I have way more ed hours than needed to renew my license!” another employee said. “Leadership and ethics start from the top down. Our leaders show us what is expected of us every day by their actions and not words and/or policies,” said another. “I feel like that I am very much a part of the success of this agency and in return, I give my all to each and every customer,” said another Watkins employee. “I know without a doubt that if my family needed anything, all I have to do is call anyone in this agency and they would come running. I would do the same for each person in our agency family. We are a team!” said still another. Families, of course, have fun, too. “We all work hard, but sometimes we like to have a little fun, so often you'll see Taco Tuesday, Frozen Yogurt Friday, or other small catering events just to say thanks to employees,” said one staff member. “We have someone come in to shine our shoes, and during the Christmas holiday, Watkins hires a babysitter for employees to bring school-age children to work so parents/employees don't have to find childcare during the year.” Because a firm’s nomination as a “Best Agency to Work For” is employee-driven, the designation is an honor of which the firm’s principals are extremely proud. “We feel that the people that work here are our greatest asset,” Watkins said. “We’re thrilled that they’re the people who cast the votes on this so to speak and think that’s a real testament to what we’ve all done together.” October 7, 2013 INSURANCE JOURNAL-NATIONAL | 35

SPECIAL REPORT

Best Agency to Work For - Southeast GREENSBORO, NORTH CAROLINA

Senn-Dunn Insurance

Senn-Dunn Executive Committee: L to R Top: Tim Templeton, Joseph Hughes, T. Gray McCaskill, Jay Haldeman. L to R Bottom: Danielle Hoversten, Tammy Eubanks. Missing: David Clem, John Eddleman

Senn-Dunn: Open, Really Open, for Business … and Producer Ownership By Andrew Simpson

oo many cooks spoil the broth? Not at Senn-Dunn Insurance. The Greensboro, N.C., agency — the 2013 winner of Insurance Journal’s Best Agency to Work For in the Southeast — has 22 owners. That’s about 15 percent of its workforce. T. Gray McCaskill, CEO, says the ownership structure was created as a way to attract and retain the best people. The structure is an incentive and retention plan mostly for producers, according to Danielle Hoversten, chief financial officer. It’s also a management challenge. “It requires a very collaborative environment. We spend a lot of time basing decisions on consensus, getting a lot of input. We have 22 owners, plus managers who are not yet owners, involved in decision-making,” Hoversten says. “It takes a little extra time, but we have found it works for us.” The 22 owners have empowered an eight-member executive committee to make certain operational decisions as needed. 36 | INSURANCE JOURNAL-NATIONAL October 7, 2013

It all works for producers at Senn-Dunn. “The security of knowing we are going to remain privately owned and independent is a great way to wake up and go to work ... knowing that everyone has an opportunity to be an owner if they work hard,” one producer said. “I know that one day I may be offered a chance to become an owner, which is very exciting to me,” another employee said. The company has a separate profit sharing plan for non-producers. Senn-Dunn stresses open communication, transparency and teamwork. For McCaskill, communication is key. “The more you’ve got people asking questions, the more it shows that they’ve got faith that you’re going to be upfront with them,” he says. Employees praise owners for sharing financials, explaining goals and strategies, and maintaining an open-door policy. “This transparency of 'where we are and where we are going' promotes a team environment,” said an employee. To further the teamwork culture, all of

the offices in the Greensboro building are of equal size, and staff has window offices while owners are in interior spaces. The emphasis on communication paid off during the economic downturn and soft market. By 2008, McCaskill said the owners knew that the agency’s model at that time was not sustainable. P/C premiums were falling and too many customers were hurting or going out of business. Internal changes and a new direction to counter the effects of the P/C slide were needed. “Rather than pointing fingers, we got together and asked for input,” McCaskill recalls. “We didn’t go behind closed doors. We put all our numbers on the board. We made some tough senior management changes.” “Owners, managers, everybody” — participated in the cuts, Hoversten says. The adjustments worked. The agency started growing again and, most important, it was able to invest in a new direction: employee benefits. “This whole thing with Obamacare, we have sort of run through the fire on it,” McCaskill says. Senn-Dunn has been proactive, running benefits seminars, reaching out to clients and turning Obamacare into an opportunity. “At the end of the day, clients want that trusted advisor.” Senn-Dunn is a different agency today. It had been a primarily P/C agency, but now total agency revenues of $25.6 million are almost evenly divided between P/C and employee benefits. Also, the agency had 38 people back in 2000; today it has 152. “I was very proud of the way the company took a realistic approach to the changing business environment from 2008 to present day,” one employee told Insurance Journal. “We have a team that supports each other,” McCaskill says. He thinks it is working so well that if there were no insurance services to sell, the team would sell something else together. But for now, they’re doing fine with insurance and benefits. www.insurancejournal.com

Best Agency to Work For - West TUSTIN, CALIFORNIA

Wood, Gutmann & Bogart Insurance Brokers

L to R: Michael Eshom, partner, employee benefits; Debbie Rogister, V.P. of operations; John Janssen, partner, employee benefits; Kevin Bogart, president of partners; Lisa Doherty, manager, personal lines; Kathleen Kozlowski, business development manager.

Wood Gutmann & Bogart Culture of Care By Don Jergler

ulture of care may sound like an ’80s band or a marketing slogan for an emerging nonprofit organization, but it’s a phrase Kevin Bogart wasn’t hesitant to use when touting the workplace he oversees. Employees at Wood Gutmann & Bogart Insurance Brokers in Tustin, Calif. — No. 74 on Insurance Journal’s Top 100 Privately Held Independent Agencies list — were asked what makes their agency a great one to work for, and there were a number of comments from workers with a positive attitude who obviously like their job. “The group of professionals that work within Wood Gutmann and Bogart are topnotch,” replied one employee. “They have great knowledge in their fields. It is a team approach environment, and everyone’s input is valued.” But beyond those workers were employees with stories to share that told of partners stepping above their roles as leaders and reaching into their own pockets to ensure employees were happy and well-compensated, even during the worst of times. “During a few very challenging economic www.insurancejournal.com

years when other agencies were laying off employees, the partners of this firm decided no one would lose their jobs due to the decline in profits. What they did do (a few of us found out later) is they each silently contributed from their personal savings to our payroll for a very long time so that no one would lose their employment,” wrote one employee. True story? “I would say there were a good three years there that we felt the need to go beyond what the business was spinning off on its own to make the bonus pools as robust as they should be,” says Kevin Bogart, a partner in the firm, which employs 73 in Orange County, 15 in San Diego, 15 in Ventura and three in San Jose, Calif. According to Bogart, employees who have been with the firm for five years annually receive about $2,500 from a tenure bonus on top of other bonuses, which typically add up to another $2,500 a year. It’s double that for people with 10 years at the firm, and it goes on up for those with more time. During the economic recession, the firm’s partners were kicking in to make up for roughly a 25 percent shortfall in the regular

bonus pool, he says, “because we’re committed to attaining and maintaining the best talent that we can find in the marketplace.” A benefit of providing a positive work environment is that the mindset reaches customers in the form of good service and a positive outlook from the employees. “We have a culture of care for one another and care for our clients,” Bogart says. Additionally, WGB has a “Flex Fridays” program that gives service staff three-day weekends once a month, a “Bowling Stress Busters” event that enables the ownership to interact with employees in a casual setting, and an adopted corporate charity called “Project Cuddle,” which helps women who are hiding a pregnancy. The firm’s charitable inward and outward attitude is reflected in one employee’s tale: “I had some major health problems when I first started my employment at WGB and before my 90 days, I had to take a month off for disability. They saw something in me and didn’t let me go. They offered me sick time in advance to cover some of the days I was out and worked with me through the health problems. When I came back fully healthy, I more than proved to them that the chance they took and the money they invested was worth it. How they handled the situation was a blessing for both myself and the company.” WGB writes all lines of insurance, including employee benefits, personal lines, and high-net-worth individuals. With roughly 3,000 customers, two-thirds of the business is from commercial lines. The firm serves primarily middle-market to large clients. Taking care of those clients by having happy employees has yet another side effect. Most of the firm’s employees have been there 10 years or more, with several marking 20- and 25-year anniversaries. “Once we get ’em, we tend to keep ’em,” Bogart says. “It really is a culture of care for one another. We work hard, but have lot of fun along the way.” October 7, 2013 INSURANCE JOURNAL-NATIONAL | 37

elcome to Insurance Journal’s 2013 Professional Liability Directory. We’ve compiled this directory of professional liability providers to assist independent agents and brokers in their search for markets. In today’s highly litigious world, professional liability coverages have become critical insurance for many businesses. This directory has been designed to serve as a quick reference guide that allows users to locate carriers, wholesale brokers and managing general agencies offering professional liability coverage. The information published in this directory was submitted directly by the providers and includes their contact information, Web site and states where coverage is available. For a complete listing of markets offered by providers named in this directory, visit: www.insurancejournal. com/resources and type in “professional liability” under the Excess & Surplus, “find a market” option. To submit a listing for future directories, e-mail Kristine Honey at khoney@ insurancejournal.com. We hope you find IJ’s Professional Liability Directory to be a useful tool. To comment on this directory, or any other IJ resource, please e-mail: editorial@ insurancejournal.com.

Looking for other markets? Visit MyNewMarkets (www.mynewmarkets. com) to search more than 25,000 property/casualty listings for free from standard, specialty, excess and surplus lines markets nationwide.

Accountants Liability

Accountants Liability (continued)

Company

States

A & B Insurance Solutions, LLC Abram Interstate Insurance Services, Inc. ACE Westchester Specialty—Professional Risk (GA) Align General Insurance Agency, LLC Allsouth Professional Liability Alta Professional Insurance Services (MI) Aon Affinity Argo Pro Betty Harder & Associates, Inc. Cooper & McCloskey, Inc. CPA Protector Plan E.L.M. Insurance Brokers, Inc. Executive Insurance Professionals, PLLC Founders Professional Herbert H. Landy Insurance Insurance Innovators Group - All Offices Intercorp, Inc. James River Insurance Company Jorgensen & Company Keystone Insurance Services, Inc. McGowan, Donnelly & Oberheu, LLC (MDO) Monitor Liability Managers, LLC Navigators Pro NeitClem Wholesale Insurance Brokerage, Inc. Networked Insurance Agents New England Excess Exchange, Ltd.. Norman-Spencer International, Inc. People’s United Insurance Agency, Inc. Philadelphia Insurance Companies Professional Liability Ins. Svcs - Underwriting Facilities

AL AR FL GA IL IN KY LA MA MI MO MS NJ NY TN CA All States All States Multiple – please contact us. IN IL MI MN OH All States Most States AL AZ CO GA IL LA ME MI MO MS NC NM OH OR TN TX VA WI WY AK AZ CA CO HI IL NV NY OH OR TX WA All States except AK KY VA Most States CA OK PA TX All States except AK All States except AK LA (includes Tax Preparers & Bookkeepers) Continental US All States All States All States TX All States All States All States AZ CA NV AZ CA CO ID NM NV UT WY CT MA ME NH NJ NY PA RI VT All States ME NH VT All States except LA All States

www.insurancejournal.com

Company

States

Professional Underwriters Agency, Inc. ProSight Specialty Insurance ProWest Insurance Svcs, Div. of Cochrane Agency of CA R.E. Chaix & Assoc. RLI Sullivan Brokers Wholesale Insurance Solutions

All States All States CA - License # - 0C52396 CA All States All States

Target Insurance Services The Hanover Insurance Group Travelers U.S. E & O Brokers Western Security Surplus Insurance Brokers, Inc. Worldwide Facilities, Inc. - All Offices

All States Most States All States All States AZ CA CO FL NV OR TX UT WA All States

Swett & Crawford

All States

Allied Health Care Professional Liability Company

States

A & B Insurance Solutions, LLC A.I.I. Insurance Brokerage of Mass., Inc. Access E&S Insurance Services (CA) Access E&S Insurance Services (VA) Affinity Healthcare Agency Intermediaries, Inc. Agentic Insurance, LLC Agostini Wholesale Insurance Alexander J. Wayne & Associates, Inc. All Solutions PBS LLC Allied Protector Plan Allsouth Professional Liability American Underwriting Managers

AL AR FL GA IL IN KY LA MA MI MO MS NJ NY TN MA RI AZ CA CO NV TX DC DE GA IL MD NC NJ NY OH PA SC TN TX VA All States CT DC DE FL MD NJ NY PA VA AZ CA CO NE NM NV OR TN TX UT WA All States All States All States Multiple – please contact us. AR LA NM TX

October 7, 2013 | INSURANCE JOURNAL-NATIONAL N39

Allied Health Care Professional Liability (continued) Company

States

Anderson & Murison, Inc. Aon Affinity Apogee Insurance Group, a Berkshire Hathaway Co. ARC West Coast Excess & Surplus Brokerage, LLC Ark-La-Tex Underwriters, Inc. Arlington/Roe & Co of Indiana Ashley General Agency ASLPro Atlantic Risk Specialists Bailey Special Risks, Inc. Benchmark Management Group, Inc. Bliss & Glennon, Inc. Bliss & Glennon Central Boston Insurance Brokerage, Inc. Braishfield Associates, Inc.

CA All States All States All States AR LA MS TX All States TX AR CT DC DE FL GA IL IN KY LA MD MI MN NC NJ NY OH PA SC TN TX VA WI All States All States except AK HI IL IN WI All States All States All States All States

Charles A. Walker Corp. Citadel Insurance Services, LC Cochrane & Company Construction Insurance Partners Cooper & McCloskey, Inc. CRC Insurance Services, Inc. - 29 Offices Nationwide Donald Gaddis Co., Inc. E.L.M. Insurance Brokers, Inc. Eaton Professional Insurance Services Founders Professional G.J. Sullivan Company Insurance Services Gateway Specialty Insurance Gateway Underwriters Agency Gresham & Associates, Inc. - Corporate Office Indemnity Excess & Surplus Agency, Inc. Insurance Innovators Group - All Offices International Excess Alliance, LLC J.E. Brown & Associates J.M. Wilson James River Insurance Company Jimcor Agencies Keystone Insurance Services, Inc. King Insurance Support Systems LevelFirst M.J. Hall & Company, Inc. Manchester Specialty Programs, Inc. MAXIMUM Morstan General Agency of Florida MSW NAS Insurance Services, Inc. National Risk Solutions Networked Insurance Agents New England Excess Exchange, Ltd.. NIF Group, Inc. Pacific Coast E&S Insurance Services Patriot National Underwriters, Inc. PBS Insurance Underwriting Corporation Pennock Insurance, Inc. Philadelphia Insurance Companies Professional Liability Ins. Svcs - Underwriting Facilities Professional Program Insurance Brokerage Quaker Special Risk - FL MA NJ NY offices Quirk & Company R.E. Chaix & Assoc. RMIS Rockwood Programs, Inc. RPS Healthcare RPS RPS SAFA St. Louis Shelly, Middlebrooks & O’Leary, Inc. Smith, Bell & Thompson, a div of Willis Programs Specialty Lines Underwriters Sullivan Brokers Wholesale Insurance Solutions Swett & Crawford Tennant Risk Services The Hanover Insurance Group TuscanoPro U.S. Risk Insurance Group Ultra Risk Advisors

MD NJ NY OH PA VT All States AK AZ CA CO ID MT ND NM NV OR UT WA WY All States AK AZ CA CO HI IL NV NY OH OR TX WA All States All States Most States CA All States except AK CA All States All States All States Most States Continental US All States CA AL AR FL GA IA IL IN KS KY MI MO NC NE OH OK PA SC TN VA WI WV All States All States TX Nationwide AR AZ CA CO KS LA MI NM NV OK OR TX AK AZ CA HI NV TX All States All States All States All States All States Most States AZ CA CO ID NM NV UT WY CT MA ME NH NJ NY PA RI VT All States CA ID NV OR WA OK TX All States except AK KS DE MD NJ PA VA All States except LA All States All States Most States LA NM OK OR TX WA CA AZ CA IA IL IN MI NE NM OH WI All States (varies based on program) All States All States IA IL MO NE AL FL GA MS NC SC TX All States IL IN WI All States All States All States Most States DE FL MD NC NJ NY OH PA SC VA WV All States All States

Burns & Wilcox — All Offices

All States

N40 INSURANCE JOURNAL-NATIONAL | October 7, 2013

Company

States

USG Insurance Services, Inc. USX/S Western Special Risks, Inc. Worldwide Facilities, Inc. - All Offices Yates & Associates Ins. Services

All States All States AZ NV All States CA

Architects & Engineers Liability Company

States

5Star Professional Programs A & B Insurance Solutions, LLC Abram Interstate Insurance Services, Inc. Access E&S Insurance Services (CA) Access E&S Insurance Services (VA) Agentic Insurance, LLC Alexander J. Wayne & Associates, Inc. All Risks, Ltd. Allsouth Professional Liability Alta Professional Insurance Services (MI) American Professional Liability Underwriters, Inc. American Risk Mgmt Resources Network, LLC American Underwriting Managers AmWINS Group, Inc. - 60 Offices Nationwide Anderson & Murison, Inc. Aon Affinity Apogee Ins. Group, a Berkshire Hathaway Company ARC West Coast Excess & Surplus Brokerage, LLC Argo Pro Arlington/Roe & Co of Indiana Arrowhead General Insurance Agency, Inc. Ashley General Agency

All States AL AR FL GA IL IN KY LA MA MI MO MS NJ NY TN CA AZ CA CO NV TX DC DE GA IL MD NC NJ NY OH PA SC TN TX VA DC DE FL MD NJ NY PA VA All States All States Multiple – please contact us. IN IL MI MN OH AL FL GA All States AR LA NM TX All States CA All States All States All States Most States All States All States TX

ASLPro

AR CT DC DE FL GA IL IN KY LA MD MI MN NC NJ NY OH PA SC TN TX VA WI

Bailey Special Risks, Inc. Benchmark Management Group, Inc. Bliss & Glennon, Inc. Bliss & Glennon Central Braishfield Associates, Inc. Charles A. Walker Corp. Citadel Insurance Services, LC Ck Specialty Insurance Associates - All Offices Cochrane & Company Commercial Sector Insurance Brokers, LLC Construction Insurance Partners Cooper & McCloskey, Inc. CRC Insurance Services, Inc. - 29 Offices Nationwide Crouse & Associates Crump Professional Concepts Davidson-Babcock Donald Gaddis Co., Inc. E.L.M. Insurance Brokers, Inc. Eaton Professional Insurance Services eKo Specialty Insurance Services, Inc. Euclid Managers Founders Professional Fox Point Programs Freberg Environmental, Inc. Gateway Underwriters Agency Gorst & Compass Insurance Gresham & Associates, Inc. - Corporate Office HCC Specialty (MA) Indemnity Excess & Surplus Agency, Inc. Insurance Innovators Group - All Offices Intercorp, Inc. International Excess Alliance, LLC James River Insurance Company Jimcor Agencies K&M Henderson Insurance Services, Inc. Keystone Insurance Services, Inc. King Insurance Support Systems Land Design Insurance Group LevelFirst M.J. Hall & Company, Inc. MAXIMUM

All States except AK HI IL IN WI All States All States All States MD NJ NY OH PA VT All States AZ CA CO ID NV OR TX UT WA AK AZ CA CO ID MT ND NM NV OR UT WA WY All States All States AK AZ CA CO HI IL NV NY OH OR TX WA All States All States All States CO IA IL KS MO NE OK SD All States Most States CA AZ CA FL NV NY OR UT Most States All States except AK All States (varies based on class of business) All States All States CA All States All States Most State Continental US All States All States All States All States CA NV OR TX Nationwide AL FL GA IL IN KS KY MI MN MO NC NE OH SC TN TX WA WV AR AZ CA CO KS LA MI NM NV OK OR TX AK AZ CA HI NV TX All States

www.insurancejournal.com

Architects & Engineers Liability (continued)

Crime (continued)

Company

States

Company

States

Monarch E&S Insurance Services Morstan General Agency of Florida MSW National Risk Solutions Navigators Pro NeitClem Wholesale Insurance Brokerage, Inc. Networked Insurance Agents New England Excess Exchange, Ltd.. Norman-Spencer International, Inc. Pacific Coast E&S Insurance Services Patriot National Underwriters, Inc. Professional Underwriters Agency, Inc. ProWest Insurance Svcs, Div. of Cochrane Agency of CA Quadrant Insurance Managers Quaker Special Risk - FL MA NJ NY office Quirk & Company R.E. Chaix & Assoc. RLI Roush Insurance Services, Inc. RPS SAFA St. Louis RT Specialty Russell Bond & Co., Inc. Shelly, Middlebrooks & O’Leary, Inc. Socius Insurance Services Southern Insurance Underwriters, Inc. Specialty Lines Underwriters Sullivan Brokers Wholesale Insurance Solutions Swett & Crawford Tennant Risk Services The Hanover Insurance Group Travelers TuscanoPro U.S. Risk Insurance Group USG Insurance Services, Inc. USX/S Victor O. Schinnerer & Co. Western Security Surplus Insurance Brokers, Inc. Western Special Risks, Inc. Western Surplus Lines Agency, Inc. Western World Insurance Group Westrope

AZ CA HI NV TX All States All States Most States All States AZ CA NV AZ CA CO ID NM NV UT WY CT MA ME NH NJ NY PA RI VT All States CA ID NV OR WA OK TX All States CA - License # - 0C52396 All States Most States LA NM OK OR TX WA CA All States IL IN OH IA IL MO NE All States Most States AL FL GA MS NC SC TX All States AL FL GA MS NC SC TN IL IN WI All States All States All States Most States All States DE FL MD NC NJ NY OH PA SC VA WV All States All States All States Most States AZ CA CO FL NV OR TX UT WA AZ NV LA NM OK TX Most States All States

eKo Specialty Insurance Services, Inc. Gerald J. Wilkoff, Inc. International Excess Alliance, LLC M.J. Hall & Company, Inc. Manchester Specialty Programs, Inc. MAXIMUM ProSurance Group, Inc. RPS Technology & Cyber RT Specialty Sullivan Brokers Wholesale Insurance Solutions The Hanover Insurance Group Western Special Risks, Inc.

AZ CA FL NV NY OR UT All States All States AK AZ CA HI NV TX All States All States All States All States All States All States Most States AZ NV

Yates & Associates Ins. Services Zurich North America Commercial

CA All States

Worldwide Facilities, Inc. - All Offices

All States

Beauty / Barber Shop E&O Company

Ashley General Agency Executive Insurance Professionals, PLLC G.J. Sullivan Company Insurance Services International Beauty Brokerage Izzo Insurance Services, Inc. Pacific Coast E&S Insurance Services Pennock Insurance, Inc. Professional Liability Ins. Svcs - Underwriting Facilities Professional Program Insurance Brokerage SASSI - Salon & Spa Specialty Insurance Shelly, Middlebrooks & O’Leary, Inc. Topa Insurance Company Western Security Surplus Insurance Brokers, Inc.

States TX CA OK PA TX CA AZ CA NV AZ CA NV CA ID NV OR WA DE MD NJ PA VA All States All States Most States AL FL GA MS NC SC TX AZ CA NV AZ CA CO FL NV OR TX UT WA

Crime

Company

Access E&S Insurance Services (CA) All Solutions PBS LLC Alliant Insurance Services Allied Protector Plan Alta Professional Insurance Services (MI) ASLPro Brownyard Group Chubb Group of Insurance Companies Commercial Sector Insurance Brokers, LLC Crump Professional Concepts

www.insurancejournal.com

States AZ CA CO NV TX All States All States All States IN IL MI MN OH AR CT DC DE FL GA IL IN KY LA MD MI MN NC NJ NY OH PA SC TN TX VA WI Most States (includes first & third party dishonesty) All States All States All States

D&O Liability Company

States

5Star Professional Programs A & B Insurance Solutions, LLC A.I.I. Insurance Brokerage of Mass., Inc. Abram Interstate Insurance Services, Inc. Access E&S Insurance Services (CA) Access E&S Insurance Services (VA) Agency Intermediaries, Inc. Agentic Insurance, LLC Agostini Wholesale Insurance Alexander J. Wayne & Associates, Inc. All Risks, Ltd. All Solutions PBS LLC Alliant Insurance Services Allied Protector Plan Allsouth Professional Liability Alta Professional Insurance Services (MI) American Professional Liability Underwriters, Inc. AmWINS Group, Inc. - 60 Offices Nationwide Anderson & Murison, Inc. Apogee Insurance Group, a Berkshire Hathaway Co. ARC West Coast Excess & Surplus Brokerage, LLC Argo Pro Arlington/Roe & Co of Indiana Ashley General Agency ASLPro Atlantic Risk Specialists Bailey Special Risks, Inc. Benchmark Management Group, Inc. Bliss & Glennon, Inc. Bliss & Glennon Central Boston Insurance Brokerage, Inc. Braishfield Associates, Inc.

All States AL AR FL GA IL IN KY LA MA MI MO MS NJ NY TN MA RI CA AZ CA CO NV TX DC DE GA IL MD NC NJ NY OH PA SC TN TX VA CT DC DE FL MD NJ NY PA VA AZ CA CO NE NM NV OR TN TX UT WA All States All States All States All States All States Multiple – please contact us. IN IL MI MN OH AL FL GA All States CA All States All States Most States All States TX AR CT DC DE FL GA IL IN KY LA MD MI MN NC NJ NY OH PA SC TN TX VA WI All States All States except AK HI IL IN WI All States All States All States All States

Charles A. Walker Corp. Chubb Group of Insurance Companies Citadel Insurance Services, LC Ck Specialty Insurance Associates - All Offices Cochrane & Company Commercial Sector Insurance Brokers, LLC Construction Insurance Partners Cooper & McCloskey, Inc. CRC Insurance Services, Inc. - 29 Offices Nationwide Crouse & Associates Crump Professional Concepts Davidson-Babcock Donald Gaddis Co., Inc. E.L.M. Insurance Brokers, Inc. Eaton Professional Insurance Services eKo Specialty Insurance Services, Inc. Executive Insurance Professionals, PLLC Executive Perils Founders Professional G.J. Sullivan Company Insurance Services Gateway Specialty Insurance Gateway Underwriters Agency Gorst & Compass Insurance Gray-Stone & Company, Inc.

MD NJ NY OH PA VT All States All States AZ CA CO ID NV OR TX UT WA AK AZ CA CO ID MT ND NM NV OR UT WA WY All States All States AK AZ CA CO HI IL NV NY OH OR TX WA All States All States All States CO IA IL KS MO NE OK SD All States Most States CA AZ CA FL NV NY OR UT CA OK PA TX All States All States except AK CA All States All States CA Most States

Burns & Wilcox — All Offices

All States

October 7, 2013 | INSURANCE JOURNAL-NATIONAL N41

D&O Liability (continued) Company

E&O (General)

States

Great American Ins. Group - Executive Liability Division All States Gresham & Associates, Inc. - Corporate Office All States Herbert H. Landy Insurance All States except AK LA Indemnity Excess & Surplus Agency, Inc. Most States Insurance Innovators Group - All Offices Continental US Intercorp, Inc. All States IPA Risk Management, LLC All States IT Risk Managers, Inc. All States except AK HI J.E. Brown & Associates CA J.M. Wilson AL AR FL GA IA IL IN KS KY MI MO NC NE OH OK PA SC TN VA WI WV Jimcor Agencies All States Jorgensen & Company All States K&M Henderson Insurance Services, Inc. CA NV OR King Insurance Support Systems Nationwide (includes profit and non-profit) M.J. Hall & Company, Inc. AK AZ CA HI NV TX Manchester Specialty Programs, Inc. All States MAXIMUM All States Midlands All States Monarch E&S Insurance Services AZ CA HI NV TX Monitor Liability Managers, LLC All States Morstan General Agency of Florida All States MSW All States National Risk Solutions Most States Navigators Pro All States Negley Associates All States NeitClem Wholesale Insurance Brokerage, Inc. AZ CA NV Networked Insurance Agents AZ CA CO ID NM NV UT WY New England Excess Exchange, Ltd.. CT MA ME NH NJ NY PA RI VT NIF Group, Inc. All States OneBeacon Professional Insurance Most States Pacific Coast E&S Insurance Services CA ID NV OR WA PBS Insurance Underwriting Corporation All States except AK KS Pennock Insurance, Inc. DE MD NJ PA VA Philadelphia Insurance Companies All States except LA Prime Insurance Company Most States Professional Governmental Underwriters All States Professional Underwriters Agency, Inc. All States ProWest Insurance Svcs, Div. of Cochrane Agency of CA CA - License # - 0C52396 Quirk & Company LA NM OK OR TX WA Quadrant Insurance Managers All States Quaker Special Risk - FL MA NJ NY office Most States QuoteNBind.com All States except AK HI LA RLI All States RMIS AZ CA IA IL IN MI NE NM OH WI Rockwood Programs, Inc. All States (varies based on program) Roush Insurance Services, Inc. IL IN OH RPS All States RPS SAFA St. Louis IA IL MO NE RPS Technology & Cyber All States RT Specialty All States Russell Bond & Co., Inc. Most States Shelly, Middlebrooks & O’Leary, Inc. AL FL GA MS NC SC TX Smith, Bell & Thompson, a div of Willis Programs All States Socius Insurance Services All States Southern Insurance Underwriters, Inc. AL FL GA MS NC SC TN Specialty Lines Underwriters IL IN WI Sullivan Brokers Wholesale Insurance Solutions All States Swett & Crawford All States TAPCO Underwriters, Inc. Most States Tejas American General Agency AR LA NM OK TX Tennant Risk Services All States The Hanover Insurance Group Most States Travelers All States TuscanoPro DE FL MD NC NJ NY OH PA SC VA WV U.S. E & O Brokers All States USG Insurance Services, Inc. All States Victor O. Schinnerer & Co. Most States Western Special Risks, Inc. AZ NV Western World Insurance Group Most States Westrope All States Worldwide Facilities, Inc. - All Offices All States Yates & Associates Ins. Services CA Zurich North America Commercial All States

N42 INSURANCE JOURNAL-NATIONAL | October 7, 2013

Company

States

5Star Professional Programs A.I.I. Insurance Brokerage of Mass., Inc. Abram Interstate Insurance Services, Inc. Access E&S Insurance Services (CA) Access E&S Insurance Services (VA) ACE Westchester Specialty—Professional Risk (GA) Agency Intermediaries, Inc. Agentic Insurance, LLC Agostini Wholesale Insurance Alexander J. Wayne & Associates, Inc. All Solutions PBS LLC Alliant Insurance Services Alta Professional Insurance Services (MI) American Professional Liability Underwriters, Inc. American Risk Mgmt Resources Network, LLC American Underwriting Managers Anderson & Murison, Inc. Ashley General Agency

All States MA RI CA AZ CA CO NV TX DC DE GA IL MD NC NJ NY OH PA SC TN TX VA All States CT DC DE FL MD NJ NY PA VA AZ CA CO NE NM NV OR TN TX UT WA All States All States All States IN IL MI MN OH AL FL GA All States AR LA NM TX CA TX

ASLPro

AR CT DC DE FL GA IL IN KY LA MD MI MN NC NJ NY OH PA SC TN TX VA WI

Bailey Special Risks, Inc. Benchmark Management Group, Inc. Burns & Wilcox — All Offices Capitol Insurance Companies Centurion Insurance Group Chubb Group of Insurance Companies Cita Insurance Services Citadel Insurance Services, LC Ck Specialty Insurance Associates - All Offices Commercial Sector Insurance Brokers, LLC Construction Insurance Partners CRC Insurance Services, Inc. - 29 Offices Nationwide Crump Professional Concepts Davidson-Babcock E.L.M. Insurance Brokers, Inc. Eaton Professional Insurance Services eKo Specialty Insurance Services, Inc. Euclid Managers, LLC Executive Insurance Professionals, PLLC Executive Perils Fox Point Programs G.J. Sullivan Company Insurance Services Gateway Underwriters Agency Gorst & Compass Insurance Gray-Stone & Company, Inc. Gresham & Associates, Inc. - Corporate Office HCC Specialty (MA) Herbert H. Landy Insurance Indemnity Excess & Surplus Agency, Inc. Insurance Innovators Group - All Offices Intercorp, Inc.

All States except AK HI IL IN WI All States All States All States All States All States All States AZ CA CO ID NV OR TX UT WA All States All States All States All States CO IA IL KS MO NE OK SD Most States CA AZ CA FL NV NY OR UT All States CA OK PA TX All States All States (varies based on class of business) CA All States CA Most States All States All States All States except AK LA Most States Continental US All States

IT Risk Managers, Inc. J.E. Brown & Associates J.M. Wilson JLT Facilities, Inc. King Insurance Support Systems LevelFirst M.J. Hall & Company, Inc. Markel Cambridge Alliance MAXIMUM Midlands MSW NAS Insurance Services, Inc. National Risk Solutions Navigators Pro Negley Associates NeitClem Wholesale Insurance Brokerage, Inc. Networked Insurance Agents NIF Group, Inc. Norman-Spencer International, Inc. OneBeacon Professional Insurance Patriot National Underwriters, Inc. Pennock Insurance, Inc. Philadelphia Insurance Companies Prime Insurance Company Professional Governmental Underwriters

All States except AK HI CA AL AR FL GA IA IL IN KS KY MI MO NC NE OH OK PA SC TN VA WI WV All States Nationwide AR AZ CA CO KS LA MI NM NV OK OR TX AK AZ CA HI NV TX All States All States All States All States All States Most States All States All States AZ CA NV AZ CA CO ID NM NV UT WY All States All States Most States OK TX DE MD NJ PA VA All States except LA Most States All States

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E&O (General) (continued)

Employment Practices Liability (EPLI) (continued)

Company

States

Professional Liability Ins. Svcs - Underwriting Facilities Professional Underwriters Agency, Inc. ProLawyer Insurance, LLC ProSurance Group, Inc. Quadrant Insurance Managers QuoteNBind.com R.E. Chaix & Assoc. RLI RMIS Roush Insurance Services, Inc. RPS RPS SAFA St. Louis RPS Technology & Cyber RT Specialty Russell Bond & Co., Inc. Socius Insurance Services Southern Insurance Underwriters, Inc. Specialty Lines Underwriters

All States All States DC DE MD NJ PA All States All States All States except AK HI LA CA All States AZ CA IA IL IN MI NE NM OH WII IL IN OH All States IA IL MO NE All States All States Most States All States AL FL GA MS NC SC TN IL IN WI

TAPCO Underwriters, Inc. Target Insurance Services Tennant Risk Services U.S. E & O Brokers USG Insurance Services, Inc. USX/S Victor O. Schinnerer & Co. Western Security Surplus Insurance Brokers, Inc. Western Special Risks, Inc. The Hanover Insurance Group Western World Insurance Group Westrope Worldwide Facilities, Inc. - All Offices Zurich North America Commercial

Most States All States All States All States All States All States Most States AZ CA CO FL NV OR TX UT WA AZ NV Most States Most States All States All States All States

Company

Sullivan Brokers Wholesale Insurance Solutions All States

Employment Practices Liability Ins. (EPLI) Company

States

5Star Professional Programs A & B Insurance Solutions, LLC Abram Interstate Insurance Services, Inc. Access E&S Insurance Services (CA) Access E&S Insurance Services (VA) ACE Westchester Specialty—Professional Risk (GA) Agostini Wholesale Insurance Alexander J. Wayne & Associates, Inc. All Risks, Ltd. All Solutions PBS LLC Alliant Insurance Services Allied Protector Plan Allsouth Professional Liability Alta Professional Insurance Services (MI) American Professional Liability Underwriters, Inc. American Underwriting Managers AmWINS Group, Inc. - 60 Offices Nationwide Anderson & Murison, Inc. Apogee Ins. Group, a Berkshire Hathaway Company ARC West Coast Excess & Surplus Brokerage, LLC Argo Pro Ark-La-Tex Underwriters, Inc. Arlington/Roe & Co of Indiana Ashley General Agency

ASLPro

AR CT DC DE FL GA IL IN KY LA MD MI MN NC NJ NY OH PA SC TN TX VA WI

Atlantic Risk Specialists Bailey Special Risks, Inc. Benchmark Management Group, Inc. Bliss & Glennon, Inc. Bliss & Glennon Central Boston Insurance Brokerage, Inc. Braishfield Associates, Inc. Burns & Wilcox — All Offices Centurion Insurance Group Chubb Group of Insurance Companies Cita Insurance Services

All States All States except AK HI IL IN WI All States All States All States All States All States All States All States All States

www.insurancejournal.com

All States AL AR FL GA IL IN KY LA MA MI MO MS NJ NY TN CA AZ CA CO NV TX DC DE GA IL MD NC NJ NY OH PA SC TN TX VA All States AZ CA CO NE NM NV OR TN TX UT WA All States All States All States All States All States Multiple – please contact us. IN IL MI MN OH AL FL GA AR LA NM TX All States CA All States All States Most States AR LA MS TX All States TX

States

Ck Specialty Insurance Associates - All Offices AZ CA CO ID NV OR TX UT WA Cochrane & Company AK AZ CA CO ID MT ND NM NV OR UT WA WY Commercial Sector Insurance Brokers, LLC All States Cooper & McCloskey, Inc. AK AZ CA CO HI IL NV NY OH OR TX WA CRC Insurance Services, Inc. - 29 Offices Nationwide All States Crouse & Associates All States Crump Professional Concepts All States Donald Gaddis Co., Inc. All States E.L.M. Insurance Brokers, Inc. Most States Eaton Professional Insurance Services CA eKo Specialty Insurance Services, Inc. AZ CA FL NV NY OR UT Executive Perils All States Founders Professional All States except AK G.J. Sullivan Company Insurance Services CA Gateway Underwriters Agency All States Gray-Stone & Company, Inc. Most States Great American Ins. Group - Executive Liability Division All States Gresham & Associates, Inc. - Corporate Office All States HCC Specialty (MA) All States IAAC, Inc. NY Indemnity Excess & Surplus Agency, Inc. Most States Insurance Innovators Group - All Offices Continental US Intercorp, Inc. All States International Excess Alliance, LLC All States IPA Risk Management, LLC All States IT Risk Managers, Inc. All States except AK HI Izzo Insurance Services, Inc. All States J.E. Brown & Associates CA J.M. Wilson AL AR FL GA IA IL IN KS KY MI MO NC NE OH OK PA SC TN VA WI WV James River Insurance Company All States Jimcor Agencies All States Jorgensen & Company All States K&M Henderson Insurance Services, Inc. CA NV OR King Insurance Support Systems Nationwide LevelFirst AR AZ CA CO KS LA MI NM NV OK OR TX M.J. Hall & Company, Inc. AK AZ CA HI NV TX Manchester Specialty Programs, Inc. All States MAXIMUM All States Monarch E&S Insurance Services AZ CA HI NV TX Monitor Liability Managers, LLC All States Morstan General Agency of Florida All States MSW All States NAS Insurance Services, Inc. All States National Risk Solutions Most States Navigators Pro All States Negley Associates All States NeitClem Wholesale Insurance Brokerage, Inc. AZ CA NV Networked Insurance Agents AZ CA CO ID NM NV UT WY New England Excess Exchange, Ltd.. CT MA ME NH NJ NY PA RI VT NIF Group, Inc. All States Norman-Spencer International, Inc. All States Number One Insurance Agency MA OneBeacon Professional Insurance Most States Pacific Coast E&S Insurance Services CA ID NV OR WA Patriot National Underwriters, Inc. OK TX PBS Insurance Underwriting Corporation All States except AK KS Pennock Insurance, Inc. DE MD NJ PA VA Philadelphia Insurance Companies All States except LA Professional Governmental Underwriters All States except LA Professional Liability Ins. Svcs - Underwriting Facilities All States Professional Underwriters Agency, Inc. All States ProWest Insurance Svcs, Div. of Cochrane Agency of CA CA - License # - 0C52396 Quadrant Insurance Managers All States Quirk & Company LA NM OK OR TX WA QuoteNBind.com All States except AK HI LA R.E. Chaix & Assoc. CA

RMIS

AZ CA IA IL IN MI NE NM OH WI

Rockwood Programs, Inc. Roush Insurance Services, Inc. RPS RPS SAFA St. Louis RPS Technology & Cyber RT Specialty Russell Bond & Co., Inc. Shelly, Middlebrooks & O’Leary, Inc.

All States (varies based on program) IL IN OH All States IA IL MO NE All States All States Most States AL FL GA MS NC SC TX

October 7, 2013 | INSURANCE JOURNAL-NATIONAL N43

Employment Practices Liability (EPLI) (continued)

Environmental E&O (continued)

Company

States

Company

States

Smith, Bell & Thompson, a div of Willis Programs Socius Insurance Services Specialty Lines Underwriters Sullivan Brokers Wholesale Insurance Solutions Swett & Crawford TAPCO Underwriters, Inc. Target Insurance Services Tejas American General Agency Tennant Risk Services The Hanover Insurance Group Travelers TuscanoPro U.S. E & O Brokers USX/S Western Security Surplus Insurance Brokers, Inc. Westrope Worldwide Facilities, Inc. - All Offices Yates & Associates Ins. Services Zurich North America Commercial

All States All States IL IN WI All States All States Most States All States AR LA NM OK TX All States Most States All States DE FL MD NC NJ NY OH PA SC VA WV All States All States AZ CA CO FL NV OR TX UT WA All States All States CA All States

Roush Insurance Services, Inc. Russell Bond & Co., Inc. Sullivan Brokers Wholesale Insurance Solutions

IL IN OH Most States All States

Tejas American General Agency TuscanoPro USG Insurance Services, Inc. USX/S Victor O. Schinnerer & Co. Western Special Risks, Inc. Worldwide Facilities, Inc. - All Offices Yates & Associates Ins. Services Zurich North America Commercial

AR LA NM OK TX DE FL MD NC NJ NY OH PA SC VA WV All States All States Most States AZ NV All States CA All States

Environmental E&O Company

States

A & B Insurance Solutions, LLC A.I.I. Insurance Brokerage of Mass., Inc. Access E&S Insurance Services (CA) Access E&S Insurance Services (VA) ACE Westchester Specialty--Environmental Agency Intermediaries, Inc. Agentic Insurance, LLC Alliant Insurance Services American Professional Liability Underwriters, Inc. American Risk Mgmt Resources Network, LLC Apogee Ins. Group, a Berkshire Hathaway Company Ark-La-Tex Underwriters, Inc. Ashley General Agency

ASLPro

AR CT DC DE FL GA IL IN KY LA MD MI MN NC NJ NY OH PA SC TN TX VA WI

Beacon Hill Associates, Inc. Burns & Wilcox — All Offices Charles A. Walker Corp. Citadel Insurance Services, LC Cochrane & Company Commercial Sector Insurance Brokers, LLC Cooper & McCloskey, Inc. Construction Insurance Partners Davidson-Babcock eKo Specialty Insurance Services, Inc. Environmental Insurance Services, Inc. Executive Perils Freberg Environmental, Inc. G.J. Sullivan Company Insurance Services Gateway Underwriters Agency Gray-Stone & Company, Inc. Indemnity Excess & Surplus Agency, Inc. Insurance Innovators Group - All Offices Intercorp, Inc. International Excess Alliance, LLC J.M. Wilson James River Insurance Company K&M Henderson Insurance Services, Inc. LevelFirst M.J. Hall & Company, Inc. McGowan, Donnelly & Oberheu, LLC (MDO) NeitClem Wholesale Insurance Brokerage, Inc. New England Excess Exchange, Ltd.. Patriot National Underwriters, Inc. Pennock Insurance, Inc. Philadelphia Insurance Companies Professional Underwriters Agency, Inc. Quadrant Insurance Managers Quaker Special Risk - FL MA NJ NY office Quirk & Company R.E. Chaix & Assoc. RLI

All States All States MD NJ NY OH PA VT All States AK AZ CA CO ID MT ND NM NV OR UT WA WY All States AK AZ CA CO HI IL NV NY OH OR TX WA All States CO IA IL KS MO NE OK SD AZ CA FL NV NY OR UT All States All States All States CA All States Most States Most States Continental US All States All States AL AR FL GA IA IL IN KS KY MI MO NC NE OH OK PA SC TN VA WI WV All States CA NV OR AR AZ CA CO KS LA MI NM NV OK OR TX AK AZ CA HI NV TX All States AZ CA NV CT MA ME NH NJ NY PA RI VT OK TX DE MD NJ PA VA All States except LA All States All States Most States LA NM OK OR TX WA CA All States

AL AR FL GA IL IN KY LA MA MI MO MS NJ NY TN MA RI AZ CA CO NV TX DC DE GA IL MD NC NJ NY OH PA SC TN TX VA All States CT DC DE FL MD NJ NY PA VA All States AL FL GA All States All States AR LA MS TX TX

N44 INSURANCE JOURNAL-NATIONAL | October 7, 2013

Swett & Crawford

All States

Fiduciary Liability Insurance Company

States

5Star Professional Programs All States Abram Interstate Insurance Services, Inc. CA Alta Professional Insurance Services (MI) IN IL MI MN OH AmWINS Group, Inc. - 60 Offices Nationwide All States Argo Pro Most States Chubb Group of Insurance Companies All States AK AZ CA CO HI IL NV NY OH OR TX WA Cooper & McCloskey, Inc. Crump Professional Concepts All States Gerald J. Wilkoff, Inc. All States Gray-Stone & Company, Inc. Most States Great American Ins. Group - Executive Liability Division All States Insurance Innovators Group - All Offices Continental US IPA Risk Management, LLC All States IT Risk Managers, Inc. All States except AK HI Jorgensen & Company All States Manchester Specialty Programs, Inc. All States Markel Cambridge Alliance All States Monitor Liability Managers, LLC All States Navigators Pro All States Negley Associates All States PBS Insurance Underwriting Corporation All States except AK KS Philadelphia Insurance Companies All States except LA ProWest Insurance Svcs, Div. of Cochrane Agency of CA CA - License # - 0C52396 Rockwood Programs, Inc. All States (varies based on program) RLI All States RPS Technology & Cyber All States RT Specialty All States Russell Bond & Co., Inc. Most States Socius Insurance Services All States Sullivan Brokers Wholesale Insurance Solutions All States Swett & Crawford All States Travelers All States Victor O. Schinnerer & Co. Most States

Worldwide Facilities, Inc. - All Offices

All States

Financial Professionals’ Liability Company

Abram Interstate Insurance Services, Inc. ACE Westchester Specialty—Professional Risk (GA) Agentic Insurance, LLC Alexander J. Wayne & Associates, Inc. All Risks, Ltd. Alliant Insurance Services AmWINS Group, Inc. - 60 Offices Nationwide Apogee Insurance Group, a Berkshire Hathaway Co. Boston Insurance Brokerage, Inc. Chubb Group of Insurance Companies Citadel Insurance Services, LC Ck Specialty Insurance Associates - All Offices Cooper & McCloskey, Inc. Crump Professional Concepts Donald Gaddis Co., Inc. Executive Perils Insurance Innovators Group - All Offices IPA Risk Management, LLC IT Risk Managers, Inc. Jorgensen & Company

States

CA All States DC DE FL MD NJ NY PA VA All States All States All States All States All States All States All States All States AZ CA CO ID NV OR TX UT WA AK AZ CA CO HI IL NV NY OH OR TX WA All States All States All States Continental US All States All States except AK HI All States

www.insurancejournal.com

Financial Professionals’ Liability (continued)

Insurance Agents & Brokers PL (continued)

Company

States

Company

States

Markel Cambridge Alliance McGowan, Donnelly & Oberheu, LLC (MDO) MSW Navigators Pro NeitClem Wholesale Insurance Brokerage, Inc. OneBeacon Professional Insurance Prime Insurance Company ProSurance Group, Inc. RMIS Russell Bond & Co., Inc.

All States All States All States All States AZ CA NV Most States Most States All States AZ CA IA IL IN MI NE NM OH WI Most States

Swett & Crawford Tennant Risk Services Travelers Westrope Worldwide Facilities, Inc. - All Offices

All States All States All States All States All States

Executive Insurance Professionals, PLLC Executive Perils Founders Professional Gresham & Associates, Inc. - Corporate Office IAAC, Inc. Insurance Innovators Group - All Offices International Excess Alliance, LLC IPA Risk Management, LLC James River Insurance Company K&M Henderson Insurance Services, Inc. King Insurance Support Systems Lee and Mason LevelFirst MAXIMUM McGowan, Donnelly & Oberheu, LLC (MDO) Monarch E&S Insurance Services MSW NAS Insurance Services, Inc. National Insurance Underwriters National Risk Solutions Navigators Pro NeitClem Wholesale Insurance Brokerage, Inc. NIF Group, Inc. Number One Insurance Agency PBS Insurance Underwriting Corporation Professional Liability Ins. Svcs - Underwriting Facilities Professional Underwriters Agency, Inc. ProSight Specialty Insurance ProSurance Group, Inc. Quadrant Insurance Managers Quaker Special Risk - FL MA NJ NY office R.E. Chaix & Assoc. RMIS Rockwood Programs, Inc. RPS SAFA St. Louis Shelly, Middlebrooks & O’Leary, Inc. Southern Insurance Underwriters, Inc. Sullivan Brokers Wholesale Insurance Solutions Swett & Crawford TAPCO Underwriters, Inc. Tejas American General Agency Tennant Risk Services Travelers U.S. E & O Brokers U.S. Risk Insurance Group USX/S Western Security Surplus Insurance Brokers, Inc. Westrope Worldwide Facilities, Inc. - All Offices Yates & Associates Ins. Services Zurich North America Commercial

CA OK PA TX All States All States except AK All States NY Continental US All States All States All States CA NV OR Nationwide Nationwide AR AZ CA CO KS LA MI NM NV OK OR TX All States All States AZ CA HI NV TX All States All States FL GA IL NC NJ TX VA Most States All States AZ CA NV All States MA All States except AK KS All States All States All States All States All States Most States CA AZ IA IL IN MI NE NM OH WI All States (varies based on program) IA IL MO NE AL FL GA MS NC SC TX AL FL GA MS NC SC TN All States All States Most States AR LA NM OK TX All States All States All States All States All States AZ CA CO FL NV OR TX UT WA All States All States CA All States

Sullivan Brokers Wholesale Insurance Solutions All States

Hospital Professional Liability

Company

Alexander J. Wayne & Associates, Inc. Allied Protector Plan Arlington/Roe & Co of Indiana Centurion Insurance Group Citadel Insurance Services, LC Construction Insurance Partners Insurance Innovators Group - All Offices Keystone Insurance Services, Inc. Negley Associates Pacific Coast E&S Insurance Services Patriot National Underwriters, Inc. PBS Insurance Underwriting Corporation Prime Insurance Company Professional Program Insurance Brokerage Quaker Special Risk - FL MA NJ NY office RPS Healthcare Sullivan Brokers Wholesale Insurance Solutions Swett & Crawford U.S. E & O Brokers U.S. Risk Insurance Group Ultra Risk Advisors USX/S Westrope Worldwide Facilities, Inc. - All Offices Zurich North America Commercial

States All States All States All States All States All States All States Continental US TX All States CA ID NV OR WA OK TX All States except AK KS Most States All States Most States All States All States All States All States All States All States All States All States All States All States

Insurance Agents & Brokers Prof. Liability

Company

States

5Star Professional Programs Agostini Wholesale Insurance Alexander J. Wayne & Associates, Inc. Align General Insurance Agency, LLC Allsouth Professional Liability American Professional Liability Underwriters, Inc. American Underwriting Managers Aon Affinity Apogee Ins. Group, a Berkshire Hathaway Company ARC West Coast Excess & Surplus Brokerage, LLC Argo Pro Ark-La-Tex Underwriters, Inc. Atlantic Risk Specialists Boston Insurance Brokerage, Inc. Braishfield Associates, Inc.

All States AZ CA CO NE NM NV OR TN TX UT WA All States All States Multiple – please contact us. AL FL GA AR LA NM TX All States All States All States Most States AR LA MS TX All States All States All States

Cita Insurance Services Ck Specialty Insurance Associates - All Offices Cochrane & Company Commercial Sector Insurance Brokers, LLC Cooper & McCloskey, Inc. Crouse & Associates Crump Professional Concepts Davidson-Babcock Donald Gaddis Co., Inc. E.L.M. Insurance Brokers, Inc.

All States AZ CA CO ID NV OR TX UT WA AK AZ CA CO ID MT ND NM NV OR UT WA WY All States AK AZ CA CO HI IL NV NY OH OR TX WA All States All States CO IA IL KS MO NE OK SD All States Most States

Burns & Wilcox — All Offices

www.insurancejournal.com

All States

Lawyers Liability Company

5Star Professional Programs A & B Insurance Solutions, LLC Access E&S Insurance Services (CA) ACE Westchester Specialty—Professional Risk (GA) AFPD – Professional Liability for Lawyers & Dentists All Risks, Ltd. Alliant Insurance Services Allsouth Professional Liability Alta Professional Insurance Services (MI) American Professional Liability Underwriters, Inc. AmWINS Group, Inc. - 60 Offices Nationwide Aon Affinity ARC West Coast Excess & Surplus Brokerage, LLC Argo Pro Ark-La-Tex Underwriters, Inc. Arlington/Roe & Co of Indiana Atlantic Risk Specialists Boston Insurance Brokerage, Inc. Braishfield Associates, Inc. Charles A. Walker Corp. Chubb Group of Insurance Companies

States All States AL AR FL GA IL IN KY LA MA MI MO MS NJ NY TN AZ CA CO NV TX All States All States All States All States Multiple – please contact us. IN IL MI MN OH AL FL GA All States All States All States Most States AR LA MS TX All States All States All States All States MD NJ NY OH PA VT All States

October 7, 2013 | INSURANCE JOURNAL-NATIONAL N45

Lawyers Liability (continued) Company

Media Professional Liability States

Cooper & McCloskey, Inc. Crouse & Associates Crump Professional Concepts Donald Gaddis Co., Inc. Eaton Professional Insurance Services eKo Specialty Insurance Services, Inc. Executive Insurance Professionals, PLLC Executive Perils Founders Professional Gray-Stone & Company, Inc. Gresham & Associates, Inc. - Corporate Office Herbert H. Landy Insurance Insurance Innovators Group - All Offices IPA Risk Management, LLC James River Insurance Company Jimcor Agencies JLT Facilities, Inc. Jorgensen & Company Keystone Insurance Services, Inc. LevelFirst Monarch E&S Insurance Services Monitor Liability Managers, LLC MSW Navigators Pro NeitClem Wholesale Insurance Brokerage, Inc. Norman-Spencer International, Inc. Number One Insurance Agency OneBeacon Professional Insurance People’s United Insurance Agency, Inc. Prime Insurance Company Professional Underwriters Agency, Inc. ProLawyer Insurance, LLC ProSight Specialty Insurance Quaker Special Risk - FL MA NJ NY office RT Specialty Russell Bond & Co., Inc. Smith, Bell & Thompson, a div of Willis Programs Socius Insurance Services Southern Insurance Underwriters, Inc. Sullivan Brokers Wholesale Insurance Solutions Swett & Crawford Target Insurance Services Tejas American General Agency Tennant Risk Services The Hanover Insurance Group Travelers TuscanoPro U.S. Risk Insurance Group USG Insurance Services, Inc. USX/S Western Security Surplus Insurance Brokers, Inc. Westrope Worldwide Facilities, Inc. - All Offices

AK AZ CA CO HI IL NV NY OH OR TX WA All States All States All States CA AZ CA FL NV NY OR UT CA OK PA TX All States All States except AK Most States All States All States except AK LA Continental US All States All States All States All States All States TX AR AZ CA CO KS LA MI NM NV OK OR TX AZ CA HI NV TX All States All States All States AZ CA NV All States MA Most States ME NH VT Most States All States DC DE MD NJ PA All States Most States All States Most States All States All States AL FL GA MS NC SC TN All States All States All States AR LA NM OK TX All States Most States All States DE FL MD NC NJ NY OH PA SC VA WV All States All States All States AZ CA CO FL NV OR TX UT WA All States All States

Managed Health Care Professional Liability Company

Affinity Healthcare Agentic Insurance, LLC Agostini Wholesale Insurance Allied Protector Plan Arlington/Roe & Co of Indiana Atlantic Risk Specialists Centurion Insurance Group Cochrane & Company Insurance Innovators Group - All Offices NAS Insurance Services, Inc. OneBeacon Professional Insurance Prime Insurance Company RPS Healthcare Sullivan Brokers Wholesale Insurance Solutions Swett & Crawford Ultra Risk Advisors USX/S Victor O. Schinnerer & Co. Worldwide Facilities, Inc. - All Offices

States All States DC DE FL MD NJ NY PA VA AZ CA CO NE NM NV OR TN TX UT WA All States All States All States All States AK AZ CA CO ID MT ND NM NV OR UT WA WY Continental US All States Most States Most States All States All States All States All States All States Most States All States

N46 INSURANCE JOURNAL-NATIONAL | October 7, 2013

Company

States

A & B Insurance Solutions, LLC A.I.I. Insurance Brokerage of Mass., Inc. Access E&S Insurance Services (CA) Agency Intermediaries, Inc. Agentic Insurance, LLC American Underwriting Managers Anderson & Murison, Inc. ARC West Coast Excess & Surplus Brokerage, LLC Ark-La-Tex Underwriters, Inc. Atlantic Risk Specialists Bailey Special Risks, Inc. Bliss & Glennon, Inc. Bliss & Glennon Central Boston Insurance Brokerage, Inc. Braishfield Associates, Inc. Burns & Wilcox — All Offices Capitol Insurance Companies Chubb Group of Insurance Companies Ck Specialty Insurance Associates - All Offices Cooper & McCloskey, Inc. CRC Insurance Services, Inc. - 29 Offices Nationwide Crouse & Associates Davidson-Babcock Donald Gaddis Co., Inc. E.L.M. Insurance Brokers, Inc. Eaton Professional Insurance Services Euclid Managers, LLC Executive Perils G.J. Sullivan Company Insurance Services Gateway Underwriters Agency Gresham & Associates, Inc. - Corporate Office Insurance Innovators Group - All Offices IT Risk Managers, Inc. Jimcor Agencies JLT Facilities, Inc. Keystone Insurance Services, Inc. LA Xcess Insurance Brokers, Inc. McGowan, Donnelly & Oberheu, LLC (MDO) Monarch E&S Insurance Services Morstan General Agency of Florida NeitClem Wholesale Insurance Brokerage, Inc. Networked Insurance Agents OneBeacon Professional Insurance Prime Insurance Company Professional Liability Ins. Svcs - Underwriting Facilities ProWest Insurance Svcs, Div. of Cochrane Agency of CA Quadrant Insurance Managers Quirk & Company RPS SAFA St. Louis Socius Insurance Services Southern Insurance Underwriters, Inc. Sullivan Brokers Wholesale Insurance Solutions Swett & Crawford Tennant Risk Services TuscanoPro USG Insurance Services, Inc. USX/S Worldwide Facilities, Inc. - All Offices

AL AR FL GA IL IN KY LA MA MI MO MS NJ NY TN MA RI AZ CA CO NV TX CT DC DE FL MD NJ NY PA VA AR LA NM TX CA All States AR LA MS TX All States All States except AK HI All States All States All States All States

All States

All States All States AZ CA CO ID NV OR TX UT WA AK AZ CA CO HI IL NV NY OH OR TX WA All States All States CO IA IL KS MO NE OK SD All States Most States CA All States All States CA All States All States Continental US All States except AK HI All States All States TX All States All States AZ CA HI NV TX All States AZ CA NV AZ CA CO ID NM NV UT WY Most States Most States All States CA - License # - 0C52396 All States LA NM OK OR TX WA IA IL MO NE All States AL FL GA MS NC SC TN All States All States All States DE FL MD NC NJ NY OH PA SC VA WV All States All States All States

Medical Professional Liability Company

A & B Insurance Solutions, LLC Access E&S Insurance Services (VA) ACE Westchester Specialty—Professional Risk (GA) Affinity Healthcare AFPD – Professional Liability for Lawyers & Dentists Alexander J. Wayne & Associates, Inc. All Risks, Ltd. Allied Protector Plan American Underwriting Managers AmWINS Group, Inc. - 60 Offices Nationwide Aon Affinity Arlington/Roe & Co of Indiana Ashley General Agency

States AL AR FL GA IL IN KY LA MA MI MO MS NY TN DC DE GA IL MD NC NJ NY OH PA SC TN TX VA All States All States All States (Dentists) All States All States All States AR LA NM TX All States All States All States TX

www.insurancejournal.com

Medical Professional Liability (continued)

Misc. Professional Liability - Medical (continued)

Company

States

Professional Program Insurance Brokerage PULIC - Professional Underwriters Liability Ins. Co. Rockhill Insurance Company Rockwood Programs, Inc. RPS RPS Healthcare Smith, Bell & Thompson, a div of Willis Programs Sullivan Brokers Wholesale Insurance Solutions Swett & Crawford Tennant Risk Services U.S. Risk Insurance Group USX/S Western Security Surplus Insurance Brokers, Inc. Western Special Risks, Inc. Western Surplus Lines Agency, Inc. Westrope Worldwide Facilities, Inc. - All Offices Yates & Associates Ins. Services Zurich North America Commercial

All States All States All States (Skilled Nursing Care) All States (varies based on program) All States All States All States All States All States All States All States All States AZ CA CO FL NV OR TX UT WA AZ NV LA NM OK TX All States All States CA All States

States

Bliss & Glennon, Inc. Bliss & Glennon Central Boston Insurance Brokerage, Inc. Citadel Insurance Services, LC Cooper & McCloskey, Inc. Crouse & Associates Eaton Professional Insurance Services Fox Point Programs Gray-Stone & Company, Inc. Indemnity Excess & Surplus Agency, Inc. Insurance Innovators Group - All Offices Keystone Insurance Services, Inc. Manchester Specialty Programs, Inc. MAXIMUM Monarch E&S Insurance Services MSW NAS Insurance Services, Inc. NeitClem Wholesale Insurance Brokerage, Inc. OneBeacon Professional Insurance Patriot National Underwriters, Inc. PBS Insurance Underwriting Corporation Prime Insurance Company Professional Program Insurance Brokerage ProWest Insurance Svcs, Div. of Cochrane Agency of CA PULIC - Professional Underwriters Liability Ins. Co. Quadrant Insurance Managers R.E. Chaix & Assoc. Rockwood Programs, Inc. Roush Insurance Services, Inc. RPS Healthcare RT Specialty Russell Bond & Co., Inc. Smith, Bell & Thompson, a div of Willis Programs Sullivan Brokers Wholesale Insurance Solutions Tennant Risk Services TuscanoPro Ultra Risk Advisors USG Insurance Services, Inc. USX/S Wholesale Connection Insurance Services Worldwide Facilities, Inc. - All Offices Zurich North America Commercial

All States All States All States All States AK AZ CA CO HI IL NV NY OH OR TX WA All States CA All States (varies based on class of business) Most States Most States Continental US TX All States All States AZ CA HI NV TX All States All States AZ CA NV Most States OK TX All States except AK KS Most States All States CA - License # - 0C52396 All States All States CA All States (varies based on program) IL IN OH All States All States Most States All States All States All States DE FL MD NC NJ NY OH PA SC VA WV All States All States All States CA All States All States

Misc. Professional Liability - Medical Fields Company

Access E&S Insurance Services (VA) Affinity Healthcare Agostini Wholesale Insurance Align General Insurance Agency, LLC All Solutions PBS LLC Allied Protector Plan Allsouth Professional Liability American Professional Liability Underwriters, Inc. Argo Pro ASLPro Boston Insurance Brokerage, Inc. Charles A. Walker Corp. CRC Insurance Services, Inc. - 29 Offices Nationwide Gorst & Compass Insurance Gray-Stone & Company, Inc. Insurance Innovators Group - All Offices IPA Risk Management, LLC International Excess Alliance, LLC James River Insurance Company LevelFirst Manchester Specialty Programs, Inc. Morstan General Agency of Florida NAS Insurance Services, Inc. Negley Associates NIF Group, Inc. Patriot National Underwriters, Inc. Pennock Insurance, Inc. PBS Insurance Underwriting Corporation Prime Insurance Company

www.insurancejournal.com

States DC DE GA IL MD NC NJ NY OH PA SC TN TX VA All States AZ CA CO NE NM NV OR TN TX UT WA All States All States All States Multiple – please contact us. AL FL GA Most States AR CT DC DE FL GA IL IN KY LA MD MI MN NC NJ NY OH PA SC TN TX VA WI All States MD NJ NY OH PA VT All States CA Most States Continental US All States All States All States AR AZ CA CO KS LA MI NM NV OK OR TX All States All States All States All States All States OK TX DE MD NJ PA VA All States except AK KS Most States

Miscellaneous Professional Liability Company

States

5Star Professional Programs A & B Insurance Solutions, LLC A.I.I. Insurance Brokerage of Mass., Inc. Abram Interstate Insurance Services, Inc. Access E&S Insurance Services (VA) Agency Intermediaries, Inc. Agentic Insurance, LLC Agostini Wholesale Insurance All Risks, Ltd. All Solutions PBS LLC Allied Protector Plan Allsouth Professional Liability Alta Professional Insurance Services (MI) American Risk Mgmt Resources Network, LLC American Underwriting Managers Anderson & Murison, Inc. Apogee Insurance Group, a Berkshire Hathaway Co. ARC West Coast Excess & Surplus Brokerage, LLC Argo Pro Ark-La-Tex Underwriters, Inc. Arlington/Roe & Co of Indiana Ashley General Agency Bailey Special Risks, Inc. Benchmark Management Group, Inc. Bliss & Glennon, Inc. Bliss & Glennon Central Boston Insurance Brokerage, Inc. Braishfield Associates, Inc. Brownyard Group Brownyard Programs, Ltd.

All States AL FL GA IN KY LA MA MI MO MS NJ NY TN MA RI CA DC DE GA IL MD NC NJ NY OH PA SC TN TX VA CT DC DE FL MD NJ NY PA VA AZ CA CO NE NM NV OR TN TX UT WA All States All States All States Multiple – please contact us. IN IL MI MN OH All States AR LA NM TX CA All States All States  Most States AR LA MS TX All States TX All States except AK HI IL IN WI All States All States All States All States Most States All States

Capitol Insurance Companies Centurion Insurance Group Charles A. Walker Corp. Chubb Group of Insurance Companies Cita Insurance Services Citadel Insurance Services, LC Ck Specialty Insurance Associates - All Offices Cochrane & Company Commercial Sector Insurance Brokers, LLC Construction Insurance Partners Cooper & McCloskey, Inc. CRC Insurance Services, Inc. - 29 Offices Nationwide Crouse & Associates Crump Professional Concepts Davidson-Babcock E.L.M. Insurance Brokers, Inc. eKo Specialty Insurance Services, Inc. Euclid Managers, LLC Executive Insurance Professionals, PLLC Executive Perils

All States All States MD NJ NY OH PA VT All States All States All States AZ CA CO ID NV OR TX UT WA AK AZ CA CO ID MT ND NM NV OR UT WA WY All States All States AK AZ CA CO HI IL NV NY OH OR TX WA All States All States All States CO IA IL KS MO NE OK SD Most States AZ CA FL NV NY OR UT All States CA OK PA TX All States

Burns & Wilcox — All Offices

All States

October 7, 2013 | INSURANCE JOURNAL-NATIONAL N47

Miscellaneous Professional Liability Company

(continued)

States

Fox Point Programs All States (varies based on class of business) G.J. Sullivan Company Insurance Services CA Gateway Underwriters Agency All States Gray-Stone & Company, Inc. Most States Great American Ins. Group - Executive Liability Division All States Gresham & Associates, Inc. - Corporate Office All States HCC Specialty (MA) All States Herbert H. Landy Insurance All States except AK LA Indemnity Excess & Surplus Agency, Inc. Most States Insurance Innovators Group - All Offices Continental US International Beauty Brokerage AZ CA NV OR WA International Excess Alliance, LLC All States IT Risk Managers, Inc. All States except AK HI Izzo Insurance Services, Inc. All States (Includes Security Guards, Cosmetic Mfrs, Spas/Salons) J.E. Brown & Associates CA J.M. Wilson AL AR FL GA IA IL IN KS KY MI MO NC NE OH OK PA SC TN VA WI WV James River Insurance Company All States Jimcor Agencies All States JLT Facilities, Inc. All States Jorgensen & Company All States K&M Henderson Insurance Services, Inc. CA NV OR King Insurance Support Systems Nationwide LevelFirst AR AZ CA CO KS LA MI NM NV OK OR TX M.J. Hall & Company, Inc. AK AZ CA HI NV TX Manchester Specialty Programs, Inc. All States McGowan, Donnelly & Oberheu, LLC (MDO) All States Monarch E&S Insurance Services AZ CA HI NV TX Morstan General Agency of Florida All States NAS Insurance Services, Inc. All States

National Risk Solutions Navigators Pro Negley Associates NeitClem Wholesale Insurance Brokerage, Inc. Networked Insurance Agents New England Excess Exchange, Ltd.. NIF Group, Inc. Norman-Spencer International, Inc. Pacific Coast E&S Insurance Services Patriot National Underwriters, Inc. PBS Insurance Underwriting Corporation Pennock Insurance, Inc. Philadelphia Insurance Companies Professional Liability Ins. Svcs - Underwriting Facilities Professional Program Insurance Brokerage Professional Underwriters Agency, Inc. ProWest Insurance Svcs, Div. of Cochrane Agency of CA Quadrant Insurance Managers Quaker Special Risk - FL MA NJ NY office Quirk & Company QuoteNBind.com RLI

Most States All States All States AZ CA NV AZ CA CO ID NM NV UT WY CT MA ME NH NJ NY PA RI VT All States All States CA ID NV OR WA OK TX All States except AK KS DE MD NJ PA VA All States except LA All States All States All States CA - License # - 0C52396 All States Most States LA NM OK OR TX WA All States except AK HI LA All States

Roush Insurance Services, Inc. RPS RPS SAFA St. Louis RPS Technology & Cyber Russell Bond & Co., Inc. SASSI - Salon & Spa Specialty Insurance Shelly, Middlebrooks & O’Leary, Inc. Socius Insurance Services Specialty Lines Underwriters Sullivan Brokers Wholesale Insurance Solutions

IL IN OH All States IA IL MO NE All States Most States Most States AL FL GA MS NC SC TX All States IL IN WI All States

TAPCO Underwriters, Inc. Tejas American General Agency Tennant Risk Services The Hanover Insurance Group The Mechanic Group, Inc. TuscanoPro U.S. E & O Brokers U.S. Risk Insurance Group Victor O. Schinnerer & Co. Western Security Surplus Insurance Brokers, Inc. Western Surplus Lines Agency, Inc.

Most States AR LA NM OK TX All States Most States All States (Security Guards, Alarm & Electronic Security firms, PI’s, Background Screeners) DE FL MD NC NJ NY OH PA SC VA WV All States All States Most States AZ CA CO FL NV OR TX UT WA LA NM OK TX

RMIS

Swett & Crawford

AZ CA IA IL IN MI NE NM OH WI

All States

N48 INSURANCE JOURNAL-NATIONAL | October 7, 2013

Company

States

Western World Insurance Group Westrope Worldwide Facilities, Inc. - All Offices

Most States All States All States

Nonprofits’ Liability Company

States

5Star Professional Programs All States Abram Interstate Insurance Services, Inc. CA Agostini Wholesale Insurance AZ CA CO NE NM NV OR TN TX UT WA All Solutions PBS LLC All States American Professional Liability Underwriters, Inc. AL FL GA American Underwriting Managers AR LA NM TX Anderson & Murison, Inc. CA Aon Affinity All States Bailey Special Risks, Inc. All States except AK HI Benchmark Management Group, Inc. IL IN WI Bliss & Glennon, Inc. All States Bliss & Glennon Central All States Burns & Wilcox — All Offices All States Capitol Insurance Companies All States Charles A. Walker Corp. MD NJ NY OH PA VT Chubb Group of Insurance Companies All States Cooper & McCloskey, Inc. AK AZ CA CO HI IL NV NY OH OR TX WA Crump Professional Concepts All States Davidson-Babcock CO IA IL KS MO NE OK SD Eaton Professional Insurance Services CA eKo Specialty Insurance Services, Inc. AZ CA FL NV NY OR UT Executive Insurance Professionals, PLLC CA OK PA TX Executive Perils All States G.J. Sullivan Company Insurance Services CA Gateway Specialty Insurance All States Gray-Stone & Company, Inc. Most States Great American Ins. Group - Executive Liability Division All States Gresham & Associates, Inc. - Corporate Office All States Indemnity Excess & Surplus Agency, Inc. Most State Insurance Innovators Group - All Offices Continental US Intercorp, Inc. All States IT Risk Managers, Inc. All States except AK HI J.E. Brown & Associates CA J.M. Wilson AL AR FL GA IA IL IN KS KY MI MO NC NE OH OK PA SC TN VA WI WV Jimcor Agencies All States K&M Henderson Insurance Services, Inc. CA NV OR King Insurance Support Systems Nationwide LevelFirst AR AZ CA CO KS LA MI NM NV OK OR TX M.J. Hall & Company, Inc. AK AZ CA HI NV TX Manchester Specialty Programs, Inc. All States

Monitor Liability Managers, LLC

All States

Morstan General Agency of Florida National Risk Solutions Negley Associates NeitClem Wholesale Insurance Brokerage, Inc. Networked Insurance Agents NIF Group, Inc. Pacific Coast E&S Insurance Services Pennock Insurance, Inc. Philadelphia Insurance Companies Quirk & Company QuoteNBind.com RLI

All States Most States All States AZ CA NV AZ CA CO ID NM NV UT WY All States CA ID NV OR WA DE MD NJ PA VA All States except LA LA NM OK OR TX WA All States except AK HI LA All States

Rockwood Programs, Inc. Roush Insurance Services, Inc. RPS RPS SAFA St. Louis Shelly, Middlebrooks & O’Leary, Inc. Socius Insurance Services Southern Insurance Underwriters, Inc. Specialty Lines Underwriters Sullivan Brokers Wholesale Insurance Solutions Swett & Crawford TAPCO Underwriters, Inc. Tennant Risk Services Western Special Risks, Inc. Western World Insurance Group Worldwide Facilities, Inc. - All Offices

All States (varies based on program) IL IN OH All States IA IL MO NE AL FL GA MS NC SC TX All States AL FL GA MS NC SC TN IL IN WI All States All States Most States All States AZ NV Most States All States

RMIS

AZ CA IA IL IN MI NE NM OH WI

www.insurancejournal.com

Physicians Professional Liability Company

States

Affinity Healthcare Alliant Insurance Services Allied Protector Plan Aon Affinity Ark-La-Tex Underwriters, Inc. Bliss & Glennon, Inc. Bliss & Glennon Central Cooper & McCloskey, Inc. Founders Professional Insurance Innovators Group - All Offices IPA Risk Management, LLC James River Insurance Company Keystone Insurance Services, Inc. NAS Insurance Services, Inc. Negley Associates PBS Insurance Underwriting Corporation Professional Program Insurance Brokerage PULIC - Professional Underwriters Liability Ins. Co. ProSurance Group, Inc. R.E. Chaix & Assoc. Rockwood Programs, Inc. RPS Healthcare Southern Insurance Underwriters, Inc. Sullivan Brokers Wholesale Insurance Solutions Swett & Crawford Tennant Risk Services U.S. Risk Insurance Group Ultra Risk Advisors Western Security Surplus Insurance Brokers, Inc. Worldwide Facilities, Inc. - All Offices Zurich North America Commercial

All States All States All States All States AR LA MS TX All States All States AK AZ CA CO HI IL NV NY OH OR TX WA All States except AK Continental US All States All States TX All States All States All States except AK KS All States All States All States CA All States (varies based on program) All States AL FL GA MS NC SC TN All States All States All States All States All States AZ CA CO FL NV OR TX UT WA All States All States

Public Officials Liability Company

States

Alliant Insurance Services All Solutions PBS LLC

All States All States

AmWINS Group, Inc. - 60 Offices Nationwide Apex Insurance Services Benchmark Management Group, Inc. Capitol Insurance Companies Euclid Managers Insurance Innovators Group - All Offices J.M. Wilson MAXIMUM Midlands NIF Group, Inc. Professional Governmental Underwriters Roush Insurance Services, Inc. RPS RT Specialty Specialty Lines Underwriters Sullivan Brokers Wholesale Insurance Solutions Swett & Crawford Victor O. Schinnerer & Co. Western World Insurance Group Worldwide Facilities, Inc. - All Offices

All States All States (Includes Law Enforcement & School Board Liability w/ EPL) IL IN WI All States Most States Continental US AL AR FL GA IA IL IN KS KY MI MO NC NE OH OK PA SC TN VA WI WV All States All States All States All States IL IN OH All States All States IL IN WI All States All States Most States Most States All States

Real Estate Agents’ Liability Company

Access E&S Insurance Services (CA) All Risks, Ltd. All Solutions PBS LLC American Professional Liability Underwriters, Inc. Anderson & Murison, Inc. Apogee Ins. Group, a Berkshire Hathaway Company ARC West Coast Excess & Surplus Brokerage, LLC Argo Pro Arrowhead General Insurance Agency, Inc. ASLPro

www.insurancejournal.com

Real Estate Agents’ Liability (continued)

States AZ CA CO NV TX All States All States AL FL GA CA All States All States Most States All States AR CT DC DE FL GA IL IN KY LA MD MI MN NC NJ NY OH PA SC TN TX VA WI

Company

States

Atlantic Risk Specialists Bailey Special Risks, Inc. Benchmark Management Group, Inc. Braishfield Associates, Inc.

All States All States except AK HI IL IN WI All States

Cita Insurance Services Ck Specialty Insurance Associates - All Offices Cochrane & Company Commercial Sector Insurance Brokers, LLC Construction Insurance Partners Cooper & McCloskey, Inc. CRC Insurance Services, Inc. - 29 Offices Nationwide Crouse & Associates Crump Professional Concepts Davidson-Babcock Donald Gaddis Co., Inc. eKo Specialty Insurance Services, Inc. Executive Insurance Professionals, PLLC Executive Perils Fox Point Programs G.J. Sullivan Company Insurance Services Gateway Underwriters Agency HCC Specialty (MA) Herbert H. Landy Insurance Insurance Innovators Group - All Offices Intercorp, Inc. IPA Risk Management, LLC IT Risk Managers, Inc. J.M. Wilson Jimcor Agencies K&M Henderson Insurance Services, Inc. Keystone Insurance Services, Inc. King Insurance Support Systems McGowan, Donnelly & Oberheu, LLC (MDO) Monarch E&S Insurance Services Morstan General Agency of Florida National Risk Solutions NeitClem Wholesale Insurance Brokerage, Inc. New England Excess Exchange, Ltd.. Norman-Spencer Agency, Inc. OneBeacon Professional Insurance Professional Liability Ins. Svcs - Underwriting Facilities Quaker Special Risk - FL MA NJ NY office Quirk & Company QuoteNBind.com ProSight Specialty Insurance ProWest Insurance Svcs, Div. of Cochrane Agency of CA RMIS RPS RPS SAFA St. Louis Shelly, Middlebrooks & O’Leary, Inc. Southern Insurance Underwriters, Inc. Specialty Lines Underwriters Sullivan Brokers Wholesale Insurance Solutions Swett & Crawford TAPCO Underwriters, Inc. Tejas American General Agency Tennant Risk Services Travelers USG Insurance Services, Inc. Victor O. Schinnerer & Co. Western Special Risks, Inc. Western Surplus Lines Agency, Inc. Western World Insurance Group Worldwide Facilities, Inc. - All Offices Yates & Associates Ins. Services

All States AZ CA CO ID NV OR TX UT WA AK AZ CA CO ID MT ND NM NV OR UT WA WY All States All States AK AZ CA CO HI IL NV NY OH OR TX WA All States All States All States CO IA IL KS MO NE OK SD All States AZ CA FL NV NY OR UT CA OK PA TX All States All States (varies based on class of business) CA All States All States All States except AK LA (includes Real Estate Appraisers E&O) Continental US All States All States All States except AK HI AL AR FL GA IA IL IN KS KY MI MO NC NE OH OK PA SC TN VA WI WV All States CA NV OR TX Nationwide All States AZ CA HI NV TX All States Most States AZ CA NV CT MA ME NH NJ NY PA RI VT All States Most States All States Most States LA NM OK OR TX WA All States except AK HI LA CA CA - License # - 0C52396 AZ CA IA IL IN MI NE NM OH WI All States IA IL MO NE AL FL GA MS NC SC TX AL FL GA MS NC SC TN IL IN WI All States All States Most States AR LA NM OK TX All States All States All States Most States AZ NV LA NM OK TX Most States All States CA

Burns & Wilcox — All Offices

All States

Technology & Title Agents E&O ------------------->

October 7, 2013 | INSURANCE JOURNAL-NATIONAL N49

Technology E&O Company

A.I.I. Insurance Brokerage of Mass., Inc. Abram Interstate Insurance Services, Inc. Access E&S Insurance Services (VA) AFPD – Professional Liability for Lawyers & Dentists Agency Intermediaries, Inc. Agentic Insurance, LLC Agostini Wholesale Insurance All Risks, Ltd. Alexander J. Wayne & Associates, Inc. Alta Professional Insurance Services (MI) American Underwriting Managers AmWINS Group, Inc. - 60 Offices Nationwide Anderson & Murison, Inc. Apogee Insurance Group, a Berkshire Hathaway Co. ARC West Coast Excess & Surplus Brokerage, LLC Argo Pro Ark-La-Tex Underwriters, Inc. Arlington/Roe & Co of Indiana Ashley General Agency ASLPro (includes Cyber Liability) Atlantic Risk Specialists Bailey Special Risks, Inc. Benchmark Management Group, Inc. Bliss & Glennon, Inc. Bliss & Glennon Central Boston Insurance Brokerage, Inc. Braishfield Associates, Inc. Capitol Insurance Companies Charles A. Walker Corp. Citadel Insurance Services, LC Ck Specialty Insurance Associates - All Offices Cochrane & Company Cooper & McCloskey, Inc. (includes Cyber Liability) CRC Insurance Services, Inc. - 29 Offices Nationwide Crouse & Associates Donald Gaddis Co., Inc. Eaton Professional Insurance Services Euclid Managers, LLC Executive Insurance Professionals, PLLC Executive Perils Founders Professional Gateway Underwriters Agency HCC Specialty (MA) Indemnity Excess & Surplus Agency, Inc. Insurance Innovators Group - All Offices Intercorp, Inc. International Excess Alliance, LLC IPA Risk Management, LLC IT Risk Managers, Inc. J.E. Brown & Associates J.M. Wilson Jimcor Agencies JLT Facilities, Inc. Keystone Insurance Services, Inc. King Insurance Support Systems M.J. Hall & Company, Inc. MAXIMUM McGowan, Donnelly & Oberheu, LLC (MDO) Monarch E&S Insurance Services Morstan General Agency of Florida MSW NAS Insurance Services, Inc. National Risk Solutions Negley Associates NeitClem Wholesale Insurance Brokerage, Inc. Networked Insurance Agents New England Excess Exchange, Ltd.. NIF Group, Inc. OneBeacon Professional Insurance Pacific Coast E&S Insurance Services

Technology E&O (continued) States MA RI CA DC DE GA IL MD NC NJ NY OH PA SC TN TX VA All States (includes Cyber Liability) CT DC DE FL MD NJ NY PA VA AZ CA CO NE NM NV OR TN TX UT WA All States All States IN IL MI MN OH AR LA NM TX All States CA All States All States Most States (includes Cyber Liability) AR LA MS TX All States (includes Cyber Security) TX AR CT DC DE FL GA IL IN KY LA MD MI MN NC NJ NY OH PA SC TN TX VA WI All States All States except AK HI IL IN WI All States All States All States All States All States MD NJ NY OH PA VT All States AZ CA CO ID NV OR TX UT WA AK AZ CA CO ID MT ND NM NV OR UT WA WY AK AZ CA CO HI IL NV NY OH OR TX WA All States All States All States CA All States CA OK PA TX All States All States except AK All States All States Most State Continental US All States All States All States All States except AK HI CA AL AR FL GA IA IL IN KS KY MI MO NC NE OH OK PA SC TN VA WI WV All States All States TX Nationwide AK AZ CA HI NV TX All States (includes Data Breach/ Network Security/Privacy) All States AZ CA HI NV TX All States All States All States (includes Cyber Liability) Most States All States AZ CA NV AZ CA CO ID NM NV UT WY CT MA ME NH NJ NY PA RI VT All States Most States CA ID NV OR WA

N50 INSURANCE JOURNAL-NATIONAL | October 7, 2013

Company

States

Patriot National Underwriters, Inc. Pennock Insurance, Inc. Philadelphia Insurance Companies Prime Insurance Company Professional Liability Ins. Svcs - Underwriting Facilities Professional Underwriters Agency, Inc. ProWest Insurance Svcs, Div. of Cochrane Agency of CA Quaker Special Risk - FL MA NJ NY office Quirk & Company QuoteNBind.com RMIS Roush Insurance Services, Inc. RPS

OK TX DE MD NJ PA VA All States except LA Most States All States All States  CA - License # - 0C52396 Most States LA NM OK OR TX WA All States except AK HI LA AZ CA IA IL IN MI NE NM OH WI IL IN OH All States

RT Specialty Shelly, Middlebrooks & O’Leary, Inc. Socius Insurance Services Specialty Lines Underwriters Sullivan Brokers Wholesale Insurance Solutions Swett & Crawford TAPCO Underwriters, Inc. Tejas American General Agency Tennant Risk Services The Hanover Insurance Group TuscanoPro U.S. Risk Insurance Group USX/S Western Security Surplus Insurance Brokers, Inc. Western Special Risks, Inc. Western Surplus Lines Agency, Inc. Western World Insurance Group Worldwide Facilities, Inc. - All Offices Yates & Associates Ins. Services

All States AL FL GA MS NC SC TX All States IL IN WI All States All States Most States AR LA NM OK TX All States Most States DE FL MD NC NJ NY OH PA SC VA WV All States All States AZ CA CO FL IL NV NY OR TX UT WA AZ NV LA NM OK TX Most States All States CA

RPS Technology & Cyber

All States

Title Agents’ E&O

Company

States

All Risks, Ltd. Charles A. Walker Corp. Commercial Sector Insurance Brokers, LLC Crump Professional Concepts E.L.M. Insurance Brokers, Inc. Founders Professional Fox Point Programs Intercorp, Inc. International Excess Alliance, LLC ProSight Specialty Insurance Tennant Risk Services TitlePac, Inc. U.S. Risk Insurance Group Victor O. Schinnerer & Co.

All States MD NJ NY OH PA VT All States All States Most States All States except AK All States (varies based on class of business) All States All States All States All States All States except AK ME VT All States Most States

www.insurancejournal.com

Professional Liability Directory - Alphabetical Directory of Markets 5Star Professional Programs 1230 E. Diehl Rd., Ste. 350, Naperville, IL 60563 Phone: 877-247-9772 ; Fax: 866-720-5003 E-mail: Kevin.ottley@5starsp.com Website: www.5starsp.com/PROtect

Alexander J. Wayne & Associates, Inc. 2551 N. Clark St., Ste. 601, Chicago, IL 60614 Phone: 773-305-7685 ; Fax: 773-328-1259 E-mail: vladantos@ajwayne.com Website: www.ajwayne.com

Apex Insurance Services 404 E. Ramsey, Ste. 114, San Antonio, TX 78216 Phone: 210-340-8985 ; Fax: 210-340-8986 E-mail: hughes@apexinsurance.com Website: www.apexinsurance.com

A & B Insurance Solutions,LLC 2002 Richard Jones Rd.,Ste. 304C, Nashville, TN 37215 Phone: 800-207-9333 ; Fax: 615-292-8318 Website: www.abinsurance.com

Align General Insurance Agency, LLC 350 10th Ave., Ste. 1450, San Diego, CA 92101 Phone: 619-333-2500 Ext. 244 E-mail: jbatcheller@aligngeneral.com Website: www.aligngeneral.com

Apogee Ins. Group, a Berkshire Hathaway Company 1170 Devon Park Dr., Wayne, PA, 19087 Phone: 877-337-3200 ; Fax; 610-337-2337 E-mail: info@apogeeinsgroup.com Website: www.apogeeinsgroup.com

All Risks, Ltd. 10150 York Rd., 5th Fl., Hunt Valley, MD 21030 Phone: 800-366-5810 ; Fax: 410-828-8179 E-mail: allrisksij@allrisks.com Website: www.allrisks.com

ARC West Coast Excess & Surplus Brokerage, LLC 260 S. Los Robles Ave., Ste. 205, Pasadena, CA 91101 Phone: 626-584-5050 ; Fax: 626-584-5010 E-mail: shunt@arcxswest.com Website: www.arcbrokers.com

A.I.I. Insurance Brokerage of Mass., Inc. 183 Davis St., P.O. Box 1139, Douglas, MA 01516 Phone: 508-476-1990 ; Fax: 508-476-1991 E-mail: info@agencyint.com Website: www.agencyint.com

Abram Interstate Insurance Services, Inc. 2211 Plaza Dr., Ste. 100, Rocklin, CA 95765 Phone: 916-780-7000 ; Fax: 916-780-7181 E-mail: Meaganr@abraminterstate.com Website: www.abraminterstate.com

Access E&S Insurance Services (CA) 5575 Lake Park Way, Ste. 218, La Mesa, CA 91942 Phone: 619-462-1128 ; Fax: 866-209-7312 E-mail: valerie@access-es.com Website: www.access-es.com Access E&S Insurance Services (VA) 2001 N. Lincoln St., Arlington, VA 22207 Phone: 703-248-2566 ; Fax: 703-248-2565 E-mail: tim@access-es.com Website: www.access-es.com ACE Westchester Specialty--Environmental 11575 Great Oaks Way, Ste. 200, Alpharetta, GA 30022 Phone: 678-795-4220 ; Fax: 678-795-4569 E-mail: Barbara.Deas@acegroup.com Website: www.acewestchester.com

ACE Westchester Specialty--Professional Risk

11575 Great Oaks Way, Ste. 200, Alpharetta, GA 30022 Phone: 678-795-4263 ; Fax: 678-795-4120 E-mail: Kim.Youngblood@acegroup.com Website: www.acewestchester.com

AFPD â&#x20AC;&#x201C; Professional Liability for Lawyers & Dentists

555 North Ln., Ste. 6060, Conshohocken, PA 19428 Phone: 800-970-9778 ; Fax: 610-941-9889 E-mail: bddegraw@nsminc.com Website: www.AFPD.net

All Solutions PBS LLC P.O. Box 1218, Morristown, NJ 07962 Phone: 888-376-5884 ; Fax: 888-726-6638 E-mail: Info@AllSolutionsPBS.com Website: www.AllSolutionsPBS.com Alliant Insurance Services 1301 Dove St., Ste. 200, Newport Beach, CA 92660 Phone: 949-756-0271 E-mail: abs@alliant.com Website: www.alliant.com

Argo Pro 101 Hudson, Ste. 1201, Jersey City, NJ 07302 Phone: 732-623- 8950 ; Fax: 732-906-9274 E-mail: marketing@argoprous.com Website: www.argoprous.com

Allied Protector Plan 655 N. Franklin St., Ste. 1800, Tampa, FL 33602 Phone: 877-566-4017 ; Fax: 813-221-4109 E-mail: upatel@bbprograms.com Website: www.alliedprotectorplan.com

Ark-La-Tex Underwriters, Inc. 1945 E. 70th St., Ste. C, Shreveport, LA 71105 Phone: 318-798-7703 ; Fax: 318-798-3959 Website: www.altuquotes.com

Allsouth Professional Liability 14141 Farmington Rd., Livonia, MI 48154 Phone: 800-913-9260 ; Fax: 813-282-0994 E-mail: info@allsouth.net Website: www.allsouth.net

8900 Keystone Crossing, Ste. 800, Indianapolis, IN 46240 Phone: 800-878-9891 ; Fax: 317-554-8551 E-mail: info@arlingtonroe.com Website: www.arlingtonroe.com

Alta Professional Insurance Services (MI) 9800 4th Street N, Ste. 400, St. Petersburg, FL 33702 Phone: 866-532-2582 ; Fax: 734-786- 0067 E-mail: pallen@altaproinsurance.com Website: www.altaproinsurance.com American Professional Liability Underwriters, Inc. 7270 NW 12 St., Ste. 700, Miami, FL 33126 Phone: 786-924-7070 ; Fax: 786-924-7080 E-mail: rkenney@amproins.com Website: www.amproins.com American Risk Mgmt Resources Network, LLC 7507 Hubbard Ave., Ste. 200, Middleton, WI 53562 Phone: 608-836-9590 ; Fax: 608-836-9565 E-mail: webmaster@armr.net Website: www.armr.net

Affinity Healthcare 159 E. County Line Rd., Hatboro, PA 19040 Phone: 215-293-1191; Fax: 215-773-4587 E-mail: aaron.dicaprio@aon.com Website: www.aon.com/affinity

365 Miron Dr., Ste. D, Southlake, TX 76092 Phone: 817-424-1996 ; Fax: 817-481-0742 E-mail: nena@auminsur.com Website: www.amuinsur.com

Agency Intermediaries, Inc. 1575 Boston Post Rd., P.O. Box 451, Guilford, CT 06437 Phone: 203-453-2859 ; Fax: 203-453-8859 E-mail: info@agencyint.com Website: www.agencyint.com

AmWINS Group, Inc. - 60 Offices Nationwide See Website for Locations Phone: 704-973-3489 ; Fax: 704-943-9000 E-mail: marketing@amwins.com Website: www.amwins.com

Agentic Insurance, LLC 900 W. Valley Forge Rd., King of Prussia, PA 19406 Phone: 610-900-0060 ; Fax: 610-900-0070 E-mail: Tkatona@agenticins.com Website: www.agenticins.com

Anderson & Murison, Inc. 800 W. Colorado Blvd., Los Angeles, CA 90041 Phone: 323-255-2333 ; Fax: 323-255-0957 E-mail: james.mccarthy@andersonmurison.com Website: www.andersonmurison.com

Agostini Wholesale Insurance 7125 El Cajon Blvd., Ste. 3, San Diego, CA 92115 Phone: 800-922-7283 ; Fax: 619-593-2008 E-mail: daniel@agostinisurplus.com Website: www.agostinisurplus.com

Aon Affinity 159 E. County Line Rd., Hatboro, PA 19040 Phone: 215-293-1261 E-mail: lex.daniele@aon.com Website: www.aon.com

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American Underwriting Managers

Arlington/Roe & Co of Indiana

Arrowhead General Insurance Agency, Inc. - Architects & Engineers Liability 99 Pacific St., Ste. 155F, Monterey, CA 93940 Phone: 800-887-7811 ; Fax: 831-333-9847 E-mail: rnavarrete@arrowheadgrp.com Website: www.ArrowheadGrp.com Arrowhead General Insurance Agency, Inc. - Real Estate Agents and Brokers E&O 537 W. South, Ste. 300, Salt Lake City, UT 84101 Phone: 801-521-4412 ; Fax: 801-521-4413 Email: Pete@ArrowheadGrp.com Website: www.ArrowheadGrp.com

Ashley General Agency

2040 N. Loop 336 W, Ste. 200, Conroe, TX 77304 Phone: 936-441-5959 ; Fax: 936-521-5922 E-mail: hnelson@ashleyga.com Website: www.ashleyga.com

ASLPro

See Website for Addresses Corporate Office - Richmond, VA 23235 Phone: 804-320-9500 ; Fax: 804-320-7280 E-mail: clines@atlanticspecial.com Website: www.atlanticspecial.com Operating as an independently owned wholesale broker, Atlantic Specialty Lines offers insurance solutions for a full range of surplus lines products. Our ASL PRO Brokerage Unit is committed to bringing a wealth of Professional Liability expertise and knowledge to our customers.

October 7, 2013 | INSURANCE JOURNAL-NATIONAL N51

Professional Liability Directory - Alphabetical Directory of Markets Commercial Sector Insurance Brokers, LLC 600 Corporate Pkwy, Ste. 250, Birmingham, AL 35242 Phone: 205-776-1600 ; Fax: 205-776-1619 E-mail: cthompson@comsectorins.com Website: www.comsectorins.com

Atlantic Risk Specialists One International Blvd., Ste. 350, Mahwah, NJ 07945 Phone: 941-870-3125 ; Fax: 201-661-7816 E-mail: jdumont@arspecialists.com Website: www.arspecialists.com Bailey Special Risks, Inc. 177 E. Main St., Ste. 5, Hendersonville, TN 37075 Phone: 615-264-3977 ; Fax: 615-264-3980 E-mail: questions@bsrins.com Website: www.bsrins.com Beacon Hill Associates, Inc. P.O. Box 1532, Charlottesville, VA 22902 Phone: 800-596-2156 ; Fax: 434-979-8964 E-mail: info@b-h-a.com Website: www.b-h-a.com Benchmark Management Group, Inc. 1730 Park St., Ste. 214, Naperville, IL 60563 Phone: 630-778-7000 ; Fax: 630-778-7007 E-mail: info@bmgins.com Website: www.bmgins.com Betty Harder & Associates, Inc. 84 Chalet Cir., Dawsonville, GA 30534 Phone: 1-800-998-1414 ; Fax: 706-216-0191 E-mail: bettyharder@windstream.net Website: www.bettyharder.com

Bliss & Glennon, Inc.

435 N. Pacific Coast Hwy, Redondo Beach, CA 90277 Phone: 800-829-7330 ; Fax: 310-372-1903 E-mail: petrun@bgsurplus.com Website: www.bgsurplus.com Bliss & Glennon’s Professional liability covers a large range of risks, from Answering Services to X-ray Labs. A team of brokers dedicated to service your clients’ professional liability needs; Large or small, we handle the tough stuff. Bliss & Glennon Central 1406 Wilson Rd., Conroe, TX 77304 Phone: 936-521-7400 ; Fax: 936-521-7471 E-mail: bowersd@bgsurplustx.com Website: www.bgsurplustx.com Boston Insurance Brokerage, Inc. 24 Federal St., 4th Fl, Boston, MA 02110 Phone: 866- 331-1997 ; Fax: 617-556-7070 E-mail: gbewick@bostonbrokerage.com Website: www.bostonbrokerage.com Boston Insurance Brokerage is a wholesale broker that offers commercial insurance solutions. Our product portfolio includes all forms of property, casualty, environmental, umbrella, executive & professional, workers compensation and risk management products and services including markets and expertise in healthcare liability. Braishfield Associates, Inc. 2966 Commerce Park Dr., Ste. 250, Orlando, FL 32819 Phone: 888-335-6616 ; Fax: 888-335-6615 E-mail: dhill@braishfield.com Website: www.braishfield.com Brownyard Group 21 Maple Ave., P.O. Box 9175, Bay Shore, NY 11706 Phone: 800-645-5820 ; Fax: 631-666-5723 E-mail: info@brownyard.com Website: www.brownyard.com Brownyard Programs, Ltd. 86 Carleton Ave., East Islip, NY 11730 Phone: 631-581-9300 ; Fax: 631-581-9385 E-mail: info@brownyardprograms.com Website: www.brownyardprograms.com

Burns & Wilcox — All Offices

See Web for Addresses Headquarters - Detroit/Farmington Hills, MI 48334 Phone: 248-932-9000 ; Fax: 248-932-9046 E-mail: farmingtonhills@burns-wilcox.com Website: www.burnsandwilcox.com Burns & Wilcox is North America’s largest independent, wholesale broker and underwriting manager. With over 40 offices throughout the U.S., Canada and London, we’re recognized for brokerage and underwriting expertise. Our Professional Liability Center of Excellence provides clients with experienced brokers, exclusive programs and solutions for their most challenging risks. Capitol Insurance Companies 800 W. 47th St., Ste. 515, Kansas City, MO 64112 Phone: 877-224-9748 ; Fax: 816-298-1301 E-mail: marketing-agency@capitol.net Website: www.capitol.net Centurion Insurance Group Centurion Place - P.O. Box 959, Hanover, NH 03755 Phone: 603-643-2000 ; Fax: 603-643-2740 E-mail: awc@centurionusa.com Website: www.centurionusa.com Charles A. Walker Corp. P.O. Box 8049, One LePage Pl., Syracuse, NY 13217 Phone: 315-488-3143 ; Fax: 315-488-3029 E-mail: inquiry@twg-esr.com Website: www.twg-esr.com

Cooper & McCloskey, Inc. 111 Pine St., Ste. 1530, San Francisco, CA 94111 Phone: 415-433-7700 ; Fax: 415-433-7707 E-mail: keltie@cmiprorisk.com Website: www.cmiprorisk.com CPA Protector Plan 655 N. Franklin St., Ste. 1800, Tampa, FL 33602 Phone: 800-438-1263 ; Fax: 813-222-4165 E-mail: lahles@bbprograms.com Website: www.cpaprotectorplan.com CRC Insurance Services, Inc. - 29 Offices Nationwide See Website for Locations. Headquarters - Birmingham, AL 35209 Phone: 800-824-1709 ; Fax: 205-879-3739 Website: www.crcins.com

Chubb Group of Insurance Companies

3 Mountain View Rd., Warren, NJ 07059 Phone: 908-903-2000 ; Fax: 908-903-3246 E-mail: erosenberg@chubb.com Website: www.chubb.com

Cita Insurance Services 681 S. Parker St., Ste. 300, Orange, CA 92868 Phone: 800-280-7250 ; Fax: 714-978-2692 E-mail: programsinfo@citainsurance.com Website: www.citainsurance.com

Citadel Insurance Services, LC

P.O. Box 1677, American Fork, UT 84003 Phone: 801-610-2720 ; Fax: 801-610-2701 E-mail: info@citadelus.com Website: www.citadelus.com Citadel is a leading edge specialty casualty and professional insurance program manager. In additional to our exclusive programs, we represent a network of the world’s leading A+ rated insurance carriers providing all lines of Casualty, Property, Marine and Professional Liability insurance. We welcome ideas for new casualty and professional programs. Call us today with your questions, ideas, and key opportunities. Ck Specialty Insurance Associates - All Offices See Website for Locations Headquarters - San Jose, CA 95037 Phone: 800-411-0083 ; Fax: 408-227-7732 E-mail: jay@ckspecialty.com Website: www.ckspecialty.com Cochrane & Company 1405 S. Rustle St., Spokane, WA, 99224 Phone: 509-838-0655 ; Fax: 509-838-1710 E-mail: marketing@cochraneco.com Website: www.cochraneco.com

N52 INSURANCE JOURNAL-NATIONAL | October 7, 2013

Construction Insurance Partners 308 N. 21st St., Ste. 300, St. Louis, MO 63103 Phone: 314-554-9754 ; Fax: 314-342-7170 E-mail: johnc@cip-stl.com Website: www.cip-stl.com

Crouse & Associates

100 Pine St., Ste. 2500, San Francisco, CA 94111 Phone: 415-982-3870 ; Fax: 415-982-2546 E-mail: pquilici@crousesf.com Website: www.crouseandassociates.com Crouse and Associates represents a wide range of E&O, D&O, Cyber, EPL, Fiduciary, Crime, and K&R markets. We have over 50 professional liability markets that are all Best Rated “A” and some in house exclusive products. Crump Professional Concepts 105 Eisenhower Pkwy, 4th FL, Roseland, NJ 07068 Phone: 973-461-2181 ; Fax: 973-461-2196 E-mail: Donna.Griffin@crumpins.com Website: www.crumpins.com/products.aspx Davidson-Babcock 16011 College Blvd., Ste. 203, Lenexa, KS 66219 Phone: 800-203-3233 ; Fax: 855-760-3880 E-mail: Tina.Wolff@davidson-babcock.net Website: www.davidson-babcock.com Donald Gaddis Co., Inc. 150 S. Wacker Dr., Ste. 600, Chicago, IL 60606 Phone: 888-853-0071 ; Fax: 312-853-1033 E-mail: cgaddis@gaddiscompany.com Website: www.gaddiscompany.com E.L.M. Insurance Brokers, Inc. 1960 E. Grand Ave., Ste. 370, El Segundo, CA 90245 Phone: 310-322-1301 Ext. 114 ; Fax: 310-322-1302 E-mail: mainofc@e-o.com Website: www.e-o.com

Eaton Professional Insurance Services

17602 17th St., Ste. 102-120, Tustin, CA 92780 Phone: 714-832-8649 ; Fax: 714-832-2586 E-mail: c.eaton@episi.net Website: www.episi.net

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Professional Liability Directory - Alphabetical Directory of Markets eKo Specialty Insurance Services, Inc. 275 E. Thousand Oaks Ave., Thousand Oaks, CA 91360 Phone: 805-373-6968 ; Fax: 805-373-7070 E-mail: eKo@eKoSpecialty.com Website: www.eKoSpecialty.com

Gerald J. Wilkoff, Inc. 95 Main St., Mineola, NY 11501 Phone: 516-747-0200 ; Fax: 516-747-2021 E-mail: info@wilkoffbonds.com Website: www.wilkoffbonds.com

Environmental Insurance Services, Inc. 200 Cahaba Park S, Ste. 200, Birmingham AL 35242 Phone: 800-239-1347 ; Fax: 205-991-7767 E-mail: jbarron@env-ins.com Website: www.env-ins.com

Gorst & Compass Insurance 9310 Topanga Canyon Blvd., Chatsworth, CA 91311 Phone: 818-507-0900 ; Fax: 818-507-1133 E-mail: mail@gorstcompass.com Website: www.gorstcompass.com

Euclid Managers 234 Spring Lake Dr., Itasca, IL 60143 Phone: 630-238-1900 ; Fax: 630-773-8590 E-mail: msutton@euclidmanagerskc.com Website: www.euclidmanagers.com

Gray-Stone & Company, Inc. 275 E. Hillcrest Dr., Ste. 250 Thousand Oaks, CA 91360 Phone: 805-494-4440 ; Fax: 805-299-4985 E-mail: info@gray-stone.com Website: www.gray-stone.com

Euclid Managers, LLC 1627 Main St., Ste. 800, Kansas City, MO 64108 Phone: 816-778-0708 ; Fax: 816-778-0715 E-mail: msutton@euclidmanagerskc.com Website: www.euclidmanagerskc.com Executive Insurance Professionals, PLLC 3825 W Green Oaks Blvd, Ste. 150, Arlington, TX 76016 Phone: 800-779-4095 ; Fax: 866-779-4331 E-mail: cheryl@execins.com Website: www.execins.com

Executive Perils

11845 W Olympic Blvd, Ste 750, Los Angeles, CA 90064 Phone: 310-444-9333 ; Fax: 310-444-9355 E-mail: petert@eperils.com Website: www.eperils.com

Great American Insurance Group - Executive Liability Division

1515 Woodfield Rd., Ste. 500, Schaumburg, IL 60173 Phone: 847-330-6750 ; Fax: 513-929-6890 E-mail: ELD@gaic.com Website: www.GreatAmericanELD.com

The Executive Liability Division (ELD) of Great American Insurance has been protecting business leaders in a variety of institutions and corporations for over 25 years. We have offices located in Schaumburg, Illinois; Chicago, Illinois; New York, New York; Princeton, New Jersey; and Toronto, Ontario. Gresham & Associates, Inc. - Corporate Office One Gresham Landing, Stockbridge, GA 30281 Phone: 770-389-1600 ; Fax: 770-389-1650 E-mail: newbiz@greshaminc.com Website: www.gresham-inc.com

Founders Professional 147 2nd St. S, Ste. 203, St Petersburg, FL 33701 Phone: 727-498-6503 ; Fax: 727-498-6506 E-mail: robb@founderspro.com Website: www.founderspro.com

HCC Specialty (MA) 401 Edgewater Pl., Ste. 400, Wakefield, MA 01880 Phone: 781-994-6000 ; Fax: 781-994-6001 E-mail: mmatheson@hcc.com Website: www.hccspecialty.com

IPA Risk Management, LLC 16-00 Pollitt Dr., Fair Lawn, NJ 07410 Phone: 201-797-1084 ; Fax: 201-797-1076 E-mail: g.heitmann@ipariskmanagement.com Website: www.ipariskmanagement.com IT Risk Managers, Inc. P.O. Box 504, Okemos, MI 48805 Phone: 517-381-9909 ; Fax: 517-381-8699 E-mail: submissions@itriskmanagers.com Website: www.ITRiskmanagers.com Izzo Insurance Services, Inc. 7234 W. North Ave., Elmwood Park, IL 60707 Phone: 800-800-1704 ; Fax: 708-452-1777 E-mail: info@izzoinsurance.com Website: www.izzoinsurance.com J.E. Brown & Associates 303 Lennon Ln., Walnut Creek, CA 94598 Phone: 800-955-8213 ; Fax: 925-947-3978 E-mail: marketing@jebrown.net Website: www.jebrown.net

Herbert H. Landy Insurance

75 Second Ave., Needham, MA 02494 Phone: 800-336-5422 ; Fax: 800-344-5422 E-mail: johnt@landy.com Website: www.landy.com The Herbert H. Landy Insurance Agency, celebrating 63 years of providing the finest insurance plans and service, is a national administrator for Accountants, Tax Preparers & Bookkeepers, Real Estate Agents and Real Estate Appraisers Errors & Omissions insurance.

Gateway Specialty Insurance 1170 Devon Park Dr., Wayne, PA 19087 Phone: 877-977-4474 E-mail: info@gatewayspecialty.com Website: www.gatewayspecialty.com

IAAC, Inc. 5784 Widewaters Pkwy, Dewitt, NY 13214 Phone: 800-962-7950 ; Fax: 888-432-0510 E-mail: bstrong@iiabny.org Website: www.iiabny.org

Gateway Underwriters Agency 2458 Old Dursett Rd., Maryland Heights, MD 63043 Phone: 314-238-0070 ; Fax: 314-238-0065 E-mail: bill.martin@gua-stl.com Website: www.gua-stl.com

Indemnity Excess & Surplus Agency, Inc. 1500 NW Bethany Blvd., Ste. 235, Beaverton, OR 97006 Phone: 800-487-2442 ; Fax: 503-526-9700 E-mail: jimh@ies-xs.com Website: www.ies-xs.com

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International Beauty Brokerage P.O. Box 20199, El Cajon, CA 92021 Phone: 800-552-8870 ; Fax: 800-332-5611 E-mail: contactus@beauty2000.org Website: www.beauty2000.org

J.M. Wilson 8036 Moorsbridge Rd., Portage, MI 49024 Phone: 800-282-8113 ; Fax: 269-327-2620 E-mail: cbaldwin@jmwilson.com Website: www.jmwilson.com

Fox Point Programs 250 Philadelphia Pike, Wilmington, DE 19809 Phone: 800-499-7242 ; Fax: 302-472-8529 E-mail: sales@foxpointprg.com Website: www.foxpointprg.com

G.J. Sullivan Company Insurance Services 625 The City Dr., Ste. 400, Orange, CA 92868 Phone: 714-621-2335 ; Fax: 714-876-2274 E-mail: gorind@gjs.com Website: www.gjsullivan.com

Intercorp, Inc. 1438-F W Main St., Ephrata, PA 17522 Phone: 717-721-3500 ; Fax: 717-721-3515 E-mail: info@intercorpinc.net Website: www.intercorpinc.net

International Excess Alliance, LLC 26451 Curtiss Wright Pkwy, #103, Cleveland, OH 44143 Phone: 216-797-9700 ; Fax: 216-797-9970 E-mail: kennethkukral@intlxs.com Website: www.intlxs.com

ExecutivePerils is a privately owned, independent wholesale broker. We specialize in financial lines such as D&O, EPL, Fiduciary, E&O / Professional Liability, Crime, and Media Liability.

Freberg Environmental, Inc. 2000 S. Colorado Blvd., Tower II, Ste. 800 Denver, CO 80222 Phone: 800-377-4152 ; Fax: 303-623-8101 E-mail: info@feiinsurance.com Website: www.feiinsurance.com

Insurance Innovators Group - 6 Offices Serve Nationwide See Website for Addresses Headquarters - Glenside, PA 19038 Phone: 215-885-7300 ; Fax: 215-886-2482 E-mail: sam@iiigroup.com ; devinw@iiigroup.com Website: www.iiigroup.com

INSURANCE James River Insurance Company

6641 W. Broad St., Ste. 300, Richmond, VA 23230 Phone: 804-289-2700 ; Fax: 804-289-2703 E-mail: info@jamesriverins.com Website: www.jamesriverins.com James River underwrites a wide variety of specialty P&C and Professional risks on an E&S basis in all states. PL teams include Medical PL, Allied Healthcare, and non-Medical PL. Visit www. jamesriverins.com to find a JRIC-authorized wholesale broker! Jimcor Agencies 60 Craig Rd., Montvale, NJ 07645 Phone: 201-573-8200 ; Fax: 201-573-8820 E-mail: jschneider@jimcor.com Website: www.jimcor.com

October 7, 2013 | INSURANCE JOURNAL-NATIONAL N53

Professional Liability Directory - Alphabetical Directory of Markets Navigators Pro

JLT Facilities, Inc. 22 Century Hill Dr., Latham, NY 12110 Phone: 800-998-5545 ; Fax: 518-782-3243 E-mail: jltsubmissions@jltfacilities.com Website: www.jltfacilities.com

One Penn Plaza, New York, NY 10119 Phone: 212-613-4305 ; Fax: 212-613-4302 E-mail: cduca@navg.com Website: www.navg.com

Jorgensen & Company 42 W. Allendale Ave., Allendale NJ 07401 Phone: 201-447-4400 ; Fax: 201-818-5680 E-mail: rjorgensen@jorgensenandcompany.com Website: www.jorgenseandcompany.com

MAXIMUM 222 S. Riverside Plaza, Ste. 2340, Chicago, IL 60606 Phone: 312-559-9348 ; Fax: 312-559-0930 E-mail: rachelp@maxib.com Website: www.maxib.com

K&M Henderson Insurance Services, Inc. 8331 Sierra College Blvd., Ste. 204 Granite Bay, CA 95661 Phone: 916-788-8191 ; Fax: 800-785-7970 E-mail: info@hendersoninsure.com Website: www.hendersoninsure.com

McGowan, Donnelly & Oberheu, LLC (MDO) The Littlefield Bldg, 106 E. 6th St., Ste. 520 Austin, TX 78701 Phone: 512-600-2280 Ext. 5306 E-mail: ahatch@mdoinsurance.com Website: www.mdoinsurance.com

Keystone Insurance Services, Inc. P.O. Box 9127, Austin, TX 78766 Phone: 512-257-8000 E-mail: info@mykeystoneins.com Website: www.MyKeystoneIns.com

Midlands

King Insurance Support Systems 31381 Rancho Viejo Rd., Ste. 101 San Juan Capistrano, CA 92675 Phone: 800-488-4096 ; Fax: 949-488-2259 E-mail: Marketing@kinginsuranceca.com Website: www.kinginsuranceca.com

Monarch E&S Insurance Services

LA Xcess Insurance Brokers, Inc. 10474 Santa Monica Blvd., Ste. 306 Los Angeles, CA 90025 Phone: 310-405-0001 ; Fax: 310-405-0002 E-mail: Insurance@laxcess.com Website: www.laxcess.com Land Design Insurance Group P.O. Box 219, Timonium, MD 21094 Phone: 877-316-4922 ; Fax: 877-292-7146 E-mail: info@landdesigninsurance.com Website: www.landdesigninsurance.com Lee and Mason 195 Farmington Ave., Ste. 301, Farmington, CT 06032 Phone: 860-677-0500 Ext. 404 ; Fax: 860-677-1227 E-mail: LMPro@leeandmason.com Website: www.leeandmason.com LevelFirst 5501 LBJ Fwy, Dallas, TX 75240 Phone: 972-499-4580 ; Fax: 214-736-8628 E-mail: vplein@level1st.com Website: www.level1st.com

M.J. Hall & Company, Inc.

P.O. Box 192, Stockton, CA 95201 Phone: 209-948-8108 ; Fax: 209-465-3843 E-mail: norm@mjhallandcompany.com Website: www.mjhallandcompany.com Manchester Specialty Programs, Inc. 1000 Elm St., Ste. 1900, Manchester, NH 03101 Phone: 603-626-8181 ; Fax: 603-622-4226 E-mail: wthompson@manchesterspecialty.com Website: www.manchesterspecialty.com Markel Cambridge Alliance 4600 Cox Rd., Glen Allen, VA 23060 Phone: 800-691-1515 ; Fax: 802-864-9369 E-mail: gseveringhaus@markelcorp.com Website: www.markelcambridge.com

N54 INSURANCE JOURNAL-NATIONAL | October 7, 2013

3503 NW 63rd St., Ste. 305, Oklahoma City, OK 73116 Phone: 800-800-4007 ; Fax: 405-840-5432 E-mail: marketing@midman.com Website: www.midlandsmgt.com 2540 Foothill Blvd., Ste. 101, La Crescenta, CA 91214 Phone: 818-249-0100 ; Fax: 818-249-1166 E-mail: wayneb@monarchexcess.com Website: www.monarchexcess.com

Negley Associates

103 Eisenhower Pkwy, Ste. 101, Roseland, NJ 07068 Phone: 973-830-8500 ; Fax: 973-830-8585 E-mail: info@jjnegley.com Website: www.jjnegley.com NeitClem Wholesale Insurance Brokerage, Inc. 7442 N Figueroa St., Los Angeles, CA 90041 Phone: 323-258-2600 ; Fax: 323-258-2676 E-mail: jcenteno@neitclem.com Website: www.neitclem.com Networked Insurance Agents 988 McCourtney Rd., Ste. B, Grass Valley, CA 95949 Phone: 800-682-8476 ; Fax: 888-843-2535 E-mail: sales@networkedins.com Website: www.networkedins.com New England Excess Exchange, Ltd. 79 River St., Montpelier, VT 05602 Phone: 800-548-4301 ; Fax: 800-347-4935 E-mail: info@neee.com Website: www.neee.com

Monitor Liability Managers, LLC

2850 W. Golf Rd., Ste. 800, Rolling Meadows, IL 60008 Phone: 800-446-2100 ; Fax: 847-806-6282 E-mail: contactus@monitorliability.com Website: www.monitorliability.com As a leading underwriting management company, Monitor strives to be the professional liability insurance market of choice for our producers. We offer A+ rated carriers, web-based quoting, automatic policy renewals, direct bill options, electronic policy issuance and the best combination of service, price and products. Morstan General Agency of Florida 1835 Banks Rd., Margate, FL 33063 Phone: 954-583-4722 ; Fax: 516-302-8951 E-mail: pwoodard@morstan.com Website: www.morstan.com MSW 12700 Park Central Dr., Ste. 300, Dallas, TX 75251 Phone: 972-934-4251 ; Fax: 972-934-4299 E-mail: SubmitToMSW@marketscout.com Website: www.marketscout.com/msw/ NAS Insurance Services, Inc. 16501 Ventura Blvd., Ste. 200, Encino, CA 91436 Phone: 818-382-2030 ; Fax: 818-382-2040 E-mail: general@nasinsurance.com Website: www.nasinsurance.com National Insurance Underwriters 800 Yamato Rd., Boca Raton, FL 33431 Phone: 800-338-2680 Ext. 299 ; Fax: 561-226-1123 E-mail: eandobiz@niuw.com Website: www.niuw.com National Risk Solutions 800 Carillon Pkwy, Ste. 150, St. Petersburg, FL 33716 Phone: 866-417-4855 ; Fax: 866-654-7382 E-mail: nrsagents@nrsinsurance.com Website: www.nrsinsurance.com

NIF Group, Inc. 30 Park Ave., Manhasset, NY 11030 Phone: 516-365-7440 ; Fax: 516-365-7392 E-mail: marketing@nifgroup.com Website: www.nifgroup.com Norman-Spencer Agency, Inc. 8075 Washington Village Dr., Dayton, OH 45458 Phone: 800-543-3248 ; Fax: 937-432-1635 E-mail: briannorman@norman-spencer.com Website: www.norman-spencer.com Norman-Spencer International, Inc. 150 E. 22nd St., Lombard, IL 60148 Phone: 800-842-3653 ; Fax: 630-705-1056 E-mail: gretchen@normanspencer.com Website: www.normanspencer.com Number One Insurance Agency 91 Cedar St., Milford, MA 01757 Phone: 800-742-6363 ; Fax: 508-634-2930 E-mail: atobin@massagent.com Website: www.massagent.com OneBeacon Professional Insurance 199 Scott Swamp Rd., Farmington, CT 06032 Phone: 877-701-0171 ; Fax: 866-625-3590 E-mail: OBPIinfo@onebeaconpro.com Website: www.onebeaconpro.com Pacific Coast E&S Insurance Services 2235 Mercury Way, Ste. 110, Santa Rosa, CA 95407 Phone: 707-573-9136 ; Fax: 707-573-9761 E-mail: info@pacificcoastes.com Website: www.pacificcoastes.com Patriot National Underwriters, Inc. P.O. Box 803143, Dallas, TX 75380 Phone: 972-239-1458 ; Fax: 972-233-3487 E-mail: corky.ellis@patriotnational.com Website: www.patriotnational.com PBS Insurance Underwriting Corporation 303 Middletown Park Pl., Ste. F, Louisville, KY 40243 Phone: 502-244-1056 ; Fax: 502-254-1056 E-mail: pbs@pbsinsurance.com Website: www.pbsinsurance.com

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Professional Liability Directory - Alphabetical Directory of Markets Pennock Insurance, Inc. 2 Christy Dr., Ste. 301, Chadds Ford, PA 19317 Phone: 800-662-5182 ; Fax: 484-631-0816 E-mail: sgregg@pennockins.com Website: www.pennockins.com People’s United Insurance Agency, Inc. P.O. Box 485, Burlington, VT 05402 Phone: 802-863-2841 ; Fax: 802-652-6245 E-mail: programs@peoples.com Website:www.peoples.com/insurance

Philadelphia Insurance Companies

One Bala Plaza, Ste. 100, Bala Cynwyd, PA 19004 Phone: 800-873-4552 ; Fax: 610-617-7940 E-mail: phlysales@phlyins.com Website: www.phly.com Philadelphia Insurance Companies, a Member of the Tokio Marine Group, designs, markets, and underwrites commercial property/casualty and professional liability insurance products incorporating value added coverages and services for select industries. Prime Insurance Company 303 W. Madison St., Ste. 2075, Chicago IL 60606 Phone: 800-257-5590 ; Fax: 877-452-6910 E-mail: RJL@primeis.com Website: www.primeis.com

ProWest Insurance Services, a Div. of Cochrane Agency of California

950 Glenn Dr., Ste. 270, Folsom, CA 95630 CA - License # - 0C52396 Phone: 916-673-2000 ; Fax: 916-673-2010 E-mail: elena@prowestins.com Website: www.cochraneco.com

PULIC - Professional Underwriters Liability Insurance Company

1888 Century Park E, Ste. 850, Los Angeles, CA 90067 Phone: 800-537-7362 ; Fax: 866-344-6029 E-mail: info@pulic.com Website: www.pulic.com Quadrant Insurance Managers 501 W. Schrock Rd., Ste. 301, Westerville, OH 43081 Phone: 614-841-1425 ; Fax: 614-841-1426 E-mail: productinfo@quadrant-us.com Website: www.quadrant-us.com Quaker Special Risk - FL MA NJ NY See Website for Addresses Headquarters - Eatontown, NJ 07724 Phone: 800-447-4180 ; Fax: 732-223-9072 E-mail: fwalsh@qsr-insurance.com Website: www.quakerspecialrisk.com Quirk & Company P.O. Box 792030, San Antonio, TX 78279 Phone: 800-299-9421 ; Fax: 210-340-4075 E-mail: rquirk@quirkco.com Website: www.quirkco.com

Professional Governmental Underwriters

9020 Stony Point Pkwy, Ste. 455, Richmond, VA 23235 Phone: 800-586-6502 ; Fax: 804-272-7852 E-mail: ndaly@pgui.com Website: www.pgui.com Professional Liability Ins. Svcs, Inc. Underwriting Facilities 5802 Thunderbird, Bldg 10, Ste. 100 Lago Vista, TX 78645 Phone: 800-761-7547 ; Fax: 512-327-5834 E-mail: underwriting@plisinc.com Website: www.plisinc.com Professional Program Insurance Brokerage 371 Bel Marin Keys Blvd., Novato, CA 94949 Phone: 415-475-4300 ; Fax: 415-475-4303 E-mail: info@ppibcorp.com Website: www.ppibcorp.com / www.medispa-inc.com / www.tattoo-ins.com Professional Underwriters Agency, Inc. 2803 Butterfield Rd., Ste. 260, Oakbrook, IL 60523 Phone: 630-572-0600 ; Fax: 630-572-0615 E-mail: Sandip@puainc.com Website: www.puainc.com ProLawyer Insurance, LLC P.O. Box 1657, Newtown, PA 18940-0920 Phone: 215-525-3293 ; Fax: 215-394-7010 E-mail: Info@ProLawyerinsurance.com Website: www.ProLawyerInsurance.com ProSight Specialty Insurance 412 Mt. Kemble Ave., Ste. 300C, Morristown, NJ 07816 Phone: 973-532-1900 ; Fax: 855-200-1158 E-mail: info@prosightspecialty.com Website: www.prosightspecialty.com ProSurance Group, Inc. 2685 Marine Way, Ste. 1408, Mountain View, CA 94043 Phone: 650-428-0818 ; Fax: 650-428-0860 E-mail: financialservices@prosurancegroup.com Website: www.prosurancegroup.com

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QuoteNBind.com

11845 W Olympic Blvd, Ste. 750, Los Angeles, CA 90064 Phone: 213-293-8402 E-mail: Ulistening@quotenbind.com Website: www.QuoteNBind.com QuoteNBind.com is an On Line MGA for EPL, Non Profit D&O/EPL, Misc E&O, Real Estate E&O, Web Designer E&O/BOP and Property Managers. 25% commission. A++ paper, Superior Coverage, Quick and Easy plus FUN!!!! R.E. Chaix & Assoc. 41 Corporate Park, Ste. 310, Irvine, CA 92606 Phone: 949-722-4177 ; Fax: 949-722-4172 E-mail: timc@rechaixinsurance.com Website: www.rechaixinsurance.com RLI 9025 N. Lindbergh Dr., Peoria IL 61615 Phone: 309-692-1000 ; Fax: 309-692-1068 E-mail: inquiries@rlicorp.com Website: www.rlicorp.com

RMIS

P.O. Box 5185, Fullerton, CA 92838 Phone: 714-738-1383 ; Fax: 714-992-1069 E-mail: bbailey@rmismga.com Website: www.RMISmga.com Rockhill Insurance Company 700 W. 47th St., Ste. 350, Kansas City, MO 64112 Phone: 816-412-2810 ; Fax: 816-412-7550 E-mail: rparks@rhkc.com Website: www.rhkc.com Rockwood Programs, Inc. 4001 Miller Rd., Wilmington, DE 19802 Phone: 800-558-8808 ; Fax: 302-764-5477 E-mail: darryl.mccallin@rockwoodinsurance.com Website: www.rockwoodinsurance.com

Roush Insurance Services, Inc. P.O. Box 1060, Noblesville, IN 46061-1060 Phone: 800-752-8402 ; Fax: 317-776-6891 E-mail: info@roushins.com Website: www.roushins.com RPS Two Pierce Place, Itasca, IL 60143-3141 Phone: 630-285-4450 ; Fax: 63-.285-4020 E-mail: contact_us@rpsins.com Website: www.RPSins.com RPS Healthcare 550 W. Van Buren, Ste. 1200, Chicago, IL 60607 Phone: 312-294-5625 ; Fax: 312-922-7563 E-mail: bill_yurek@rpsins.com Website: www.rpsins.com

RPS SAFA St. Louis

911 Park Ave., St. Louis, MO 63104 Phone: 314-436-2682 ; Fax: 314-436-1532 E-mail: Stan_Freerks@RPSins.com Website: www.RPSins.com

RPS Technology & Cyber

204 Cedar St., Cambridge, MD 21613 Phone: 800-336-5659 ; Fax: 410-228-7645 E-mail: techCyber@RPSins.com Website: www.RPSins.com/techcyber RT Specialty 500 W. Monroe, 28th Fl, Chicago, IL 60661 Phone: 312-651-6000 ; Fax: 312-651-6096 E-mail: marketing@rtspecialty.com Website: www.rtspecialty.com Russell Bond & Co., Inc. 295 Main St., Ste. 866, Buffalo, NY 14203 Phone: 800-333-7226 ; Fax: 800-677-6779 E-mail: Thollederer@RussellBond.com ; AAmbrose@RussellBond.com Website: www.RussellBond.com SASSI - Salon & Spa Specialty Insurance 21 Maple Ave., Bay Shore, NY 11706 Phone: 888-823-9380 ; Fax: 631-666-7646 E-mail: info@brownyard.com Website: www.sassiagency.com Shelly, Middlebrooks & O’Leary, Inc. 725 Peninsular Pl., Jacksonville, FL 32204 Phone: 904-354-7711 ; Fax: 904-355-7611 E-mail: dc.oleary@shellyins.com Website: www.shellyins.com Smith, Bell & Thompson, a div of Willis Programs 40 Main St., Ste. 500, Burlington, VT 05401 Phone: 802-658-4600 ; Fax: 802-658-6191 E-mail: willisnhprograms@willis.com Website: www.willisprograms.com

Socius Insurance Services

301 Howard St., Ste. 1030, San Francisco, CA 94105 Phone: 415-778-0310 ; Fax: 415-778-0315 E-mail: Chook@sociusinsurance.com Website: www.sociusinsurance.com Southern Insurance Underwriters, Inc. P.O. Box 105609, Atlanta, GA 30348 Phone: 678-498-4500 ; Fax: 678-498-4600 E-mail: marketing@siuins.com Website: www.siuins.com

October 7, 2013 | INSURANCE JOURNAL-NATIONAL N55

Professional Liability Directory - Alphabetical Directory of Markets Specialty Lines Underwriters 1166 Quail Ct., Ste. 310, Pewaukee, WI 53072 Phone: 262-737-8990 ; Fax: 262-696-4389 E-mail: info@bmgins.com Website: www.specialty-lines.com

The Mechanic Group, Inc. One Blue Hill Plaza, Ste. 530, Pearl River, NY 10965 Phone: 845-735-0700 ; Fax: 845-735-8383 E-mail: mkatz@mechanicgroup.com Website: www.mechanicgroup.com

Victor O. Schinnerer & Co. Two Wisconsin Cir., Chevy Chase, MD 20815 Phone: 301-961-9800 ; Fax: 301-951-5444 E-mail: vos.info@schinnerer.com Website: www.schinnerer.com/programs

Sullivan Brokers Wholesale Insurance Solutions, Inc.

TitlePac, Inc. 201 Eastpointe Dr., Muskogee, OK 74403 Phone: 800-331-9759 ; Fax: 918-683-6842 E-mail: underwriting@titlepac.com Website: www.titlepac.com

Western Security Surplus Insurance Brokers, Inc. 595 E. Colorado Blvd., Ste. 810, Pasadena, CA 91101 Phone: 626-584-0110 Fax: 626-584-0144 Website: www.wssib.com

Topa Insurance Company 1800 Ave. of the Stars, 12th Fl, Los Angeles, CA 90067 Phone: 800-949-6505 ; Fax: 310-843-9409 E-mail: gheatherington@topa-ins.com Website: www.topains.com

Western Special Risks, Inc. 9059 W. Lake Pleasant Pkwy, Ste. 340, Peoria, AZ 85382 Phone: 888-317-5575 ; Fax: 623-977-4622 E-mail: rwilliams@westernspecialrisks.com Website: www.westernspecialrisks.com

Travelers

Western Surplus Lines Agency, Inc. P.O Box 6609, Abilene, TX 79608 Phone: 800-592-4408 ; Fax: 325-695-0371 E-mail: fpeck@westernsurplus.com, croeder@westernsruplus.com Website: www.westernsurplus.com

800 W. 6th St., Ste. 1800, Los Angeles, CA 90017 Phone: 800-252-0355 ; Fax: 213-629-3161 E-mail: info@gjs.com Website: www.sbwis.com

Swett & Crawford

See website for addresses Headquarters - Atlanta, GA 30327 E-mail: info@swett.com Website: www.swett.com Swett & Crawford, the nation’s oldest and best-regarded wholesale intermediary, has 99 years of experience in helping to mitigate the risks of doing business here and around the globe. Headquartered in Atlanta, Georgia, the blended strength of Swett & Crawford and Cooper Gay, with a combined $4.3 billion in premiums, delivers the world’s largest global wholesale brokerage and reinsurance organization with more than 1400 insurance professionals in 63 offices on four continents.

385 Washington St., St. Paul, MN 55102 Phone: 800-328-2189 E-mail: LGENECKI@travelers.com Website: www.travelers.com/1stchoice

TuscanoPro

P.O.Box 1027, Greensburg, PA 15601 Phone: 800-442-8063 E-mail: info@tuscano.com Website: www.tuscanopro.com

1100 Walnut St., Ste. 3200, Kansas City, MO 64106 Phone: 816-842-8222 ; Fax: 816-842-3081 E-mail: info@westrope.com Website: www.westrope.com

3060 S. Church St., Burlington, NC 27216 Phone: 800-334-5579 ; Fax: 336-584-8880 E-mail: Jhenderson@GoTAPCO.com Website: www.GoTAPCO.com

Target Insurance Services 10 Tower Lane, Avon, CT 06001 Phone: 888-888-1613 ; Fax: 860-284-1113 E-mail: info@target-capital.com Website: www.target-capital.com Tejas American General Agency 1620 La Jaita Dr., Ste. 300, Cedar Park, TX 78613 Phone: 888-999-8242 ; Fax: 512-342-2803 E-mail: submissions@taga1.com Website: www.taga1.com Tennant Risk Services 124 LaSalle Rd., West Hartford, CT 06107 Phone: 860-519-1301 ; Fax: 860-216-5845 E-mail: info@tennant.com Website: www.tennant.com

The Hanover Insurance Group 440 Lincoln St. Worcester, MA 01653 Phone: 508-855-1000 Website: www.hanover.com

N56 INSURANCE JOURNAL-NATIONAL | October 7, 2013

400 Parson’s Pond Dr., Franklin Lakes, NJ 07417 Phone: 201-847-8600 ; Fax: 201-847-1010 E-mail: marketing@westernworld.com Website: www.westernworld.com

Westrope

TAPCO Underwriters, Inc.

TAPCO Underwriters, Inc. is the Logical Choice. Through TAPCO’s exclusive call-center service model, quotes and applications are delivered and coverage can be bound, all within minutes, and all delivered to your e-mail inbox—before you even hang up the phone. Policy issuance and renewal is just as easy. Call. Quote. Bind. It’s as easy as that!

Western World Insurance Group

U.S. E&O Brokers

820 Gessner Rd., Ste.1360, Houston, TX 77024 Phone: 800-460-6424 ; Fax: 713-984-1152 E-mail: insurance@useo.com Website: www.useo.com US E&O Brokers specializes in writing E&O policies for Insurance Agents & Brokers nationwide including retail, wholesale, MGAs MGUs, Aggregators, Program Admins, TPA’s as well as Insurance Co’s. Package policies available for numerous Professional Classes. US E&O Brokers, 20 years old & access to over 30 major E&O Markets which are all “A” rated. Excellent Coverage, Competitive Pricing plus Friendly and Efficient Service. U.S. Risk Insurance Group 8401 N. Central Expy, Ste. 1000, Dallas, TX 75225 Phone: 800-232-5830 ; Fax: 214-739-1421 E-mail: monte@usrisk.com Website: www.usrisk.com

Worldwide Facilities, Inc. - All Offices See Website for Addresses Headquarters - Los Angeles, CA 90017 Phone: 213-236-4500 ; Fax: 213-244-9655 E-mail: info@wwfi.com Website: www.wwfi.com Yates & Associates Ins. Services P.O. Box 25133, Santa Ana, CA 92799 Phone: 800-660-1125 ; Fax: 800-378-8588 E-mail: ppiccinonno@yates-assoc.com Website: www.yates-assoc.com

Zurich North America Commercial

1400 American Lane, Schaumburg, IL 60196 Phone: 800-382-2150 Website: www.zurichna.com

Ultra Risk Advisors 400 112th Ave. NE, Ste. 325, Bellevue, WA 98004 Phone: 425-450-1090 ; Fax: 425-450-1026 E-mail: info@ultrariskadvisors.com Website: www.ultrariskadvisors.com USG Insurance Services, Inc. 1000 Town Center Wy, Ste. 300, Canonsburg, PA 15317 Phone: kskender@usgins.com Website: www.usgins.com USX/S 6929 W. 130th St., Ste. 100, Cleveland, OH 44130 Phone: 800-574-8797 ; Fax: 440-888-7380 E-mail: brokers@usxs.net Website: www.USXS.net

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Advertisers Index

Readers, browse, contact, or do product searches on any of our full page advertisers at: www.insurancejournal.com/adshowcase/

Abram Interstate www.abraminterstate.com W8 ACE Insurance www.acelimited.com 7 Agency Ideas www.agencyideas.com 26 AIG www.aig.com 23 Applied Underwriters www.applieduw.com 2, 60 Ashley General Agency www.ashleyga.com SC4 Astonish Results www.astonishresults.com 3; W4; SC2; SE2; E2; M2 IBA Kern www.ibakern.com W11 Catlin US www.catlinus.com 17 Century National www.cnico.com W7 Chubb Corporate www.chubb.com 9 City of Hope www.cityofhope.org 57

FEMA www.agents.floodsmart.gov/ij 38 Great American Insurance Group www.GreatAmericanInsurance.com 19 IICF www.iicf.org W2; SC1; SE1; E1; M1 M.J. Hall & Company, Inc. www.mjhallandcompany.com W12 Midlands Management Corporation www.midlandsmgmt.com 20 Monarch E&S Insurance Services www.monarchexcess.com W3 Navigators Management Company, Inc. www.navg.com 15 Pacific Gateway Insurance Services www.pgiainsurance.com 9 PersonalUmbrella.Com www.personalumbrella.com 5 Philadelphia Insurance Companies www.phly.com 27 PULIC - Professional Underwriters Liability Insurance Company www.pulic.com 18 QBE www.qbededicated.com W5; SC5; SE3; E3; M3

South & Western www.southandwestern.com SE5 Texas Mutual Insurance Company www.texasmutual.com SC3 The Institutes www.theinstitutes.org 21 Velocify www.velocify.com/ij 30 Vertafore www.vertafore.com 25 Westrope www.westrope.com 24 Zurich Insurance Group www.zurich.com/internationalprograms 11; 13

City of Hope’s NatioNal iNsuraNCe iNdustry CouNCil iNvites you to tHe

Spirit of Life GaLa honoring

greg Case President, Ceo

Saturday, OctOber 26, 2013 e v e n i n g S ta r t S at 6 p. m .

beverly WilShire hOtel

purchase tickets online at cityofhope.org/niic Or contact Ken birkett at (909) 528 -4206

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www.insurancejournal.com

8/26/13 9:32 AM

October 7, 2013 INSURANCE JOURNAL-NATIONAL | 57

IDEA EXCHANGE

Closing Quote Career Center (for the time being) and go directly to the students. Use the schools’ websites to find student club contact information. Some keywords to search are “insurance,” “risk management,” “actuarial,” and “Gamma Iota Sigma,” (insurance fraternity). Consider finance club or women in business organizations, too. Participate in Student Club Events Many professionals are under the wrong impression that participating in club events is time-consuming. Typically, your obligation is simply to attend and share your information. Types of events include: employer presentations; university sponsored golf outings; networking events; and mentorship programs.

The Next Generation of Leaders

he insurance industry is facing a crisis. Twenty percent of the insurance workforce is near retirement age, compared to only 15 percent of the broader financial services workforce. By 2018, the number of the insurance workforce at near retirement age will climb to 25 percent. With Baby Boomers retiring in record numbers, it’s imperative to attract younger talent. However, many companies are not doing enough to encourage the next generation of insurance leaders. In fact, when it comes to developing strategies to recruit the best and brightest, the insurance industry lags behind other industries. This discrepancy represents a significant opportunity for companies to improve the image of the insurance industry and get a leg up on the competition for highly qualified college graduates. Fortunately, there are measures to help your organization gain visibility among colleges and make inroads into attracting your next workforce. University Partners and Student Clubs One way to identify business programs in your area is to tap your personal network. Ask if anyone you know has connections or has kids who are enrolled in a specific college. Check university, business school, or program rankings. After identifying your target schools, bypass the 58 | INSURANCE JOURNAL-NATIONAL October 7, 2013

Hire an Intern There are many benefits of having an internship program alongside your new-hire program. Internships test out potential new full-time hires. Benefits are not typically extended to interns, making internships fairly inexpensive. The competitive pay for insurance student internships generally ranges from $12 per hour to $19 per hour. Many schools also encourage unpaid internships in which the student receives course credit instead of a wage. This can be a great alternative if your company is willing to report back to the university with information outlining the student’s responsibilities and describing the learning opportunities over the course of the internship. Be an Ongoing Resource The adage “it’s not what you Recruiting and know, but who you know” attracting young holds true when trying to talent is a longattract the next generation of insurance industry leaders. term effort. When you connect with students from your local college or alma mater, give them your business card and encourage a follow-up. Offer to be a resource if they have questions about your career or industry. Personal connections will give you the inside track when top students enter the job market. Be assured that a positive reputation travels fast on campus. Recruiting and attracting young talent is a long-term effort that needs to continue over several academic years. But once the groundwork is in place, your company will enjoy name recognition, and top students will seek out your company. McMyler is a consultant for Wipfli Insurance Practice. Foste is with the Actuarial Science and Risk Management and Insurance Program at the University of Wisconsin-Madison. Website: www.wipfli.com.

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