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Contents December 4, 2017 • Vol. 95 No. 23 • West

West

National 8 Global Commercial Insurance Rates Decrease Again: Marsh

W1 Utah Seeing Increase in Drug-Related Deadly Crashes, Report Shows

11 ‘Substantial’ Rate Hikes Expected as Re/Insurers’ Results Take a Hit: Swiss Re

W2 California Fires Will Add to 2017 Insurer Catastrophe Losses, Fitch Says W10 Insurtech Startup Debuts with $6M and Proactive Cyber Risk Product W12 California Lawmakers May Limit Liability of Autonomous Carmakers W14 Additional Runway Incidents at San Francisco Airport Under Investigation

W6 NOTE TO THE INSURANCE INDUSTRY:

MARIJUANA IS A THING

GLOBAL COMMERCIAL INSURANCE RATES DECREASE AGAIN: MARSH

18 Program Business Sector Revenue Jumps 11.7% from 2014 to 2016: TMPAA 20 Drug Repackagers, Compounding Pharmacies Continue to Stress Workers’ Comp 27 2017 Program Directory, Vol. II

W15 Small Businesses Want More Self-Service Workers’ Comp Tools: Survey W16 Global Regulators’ Rethinking of Risk Assessment Welcomed by Large Insurers

Idea Exchange W6 Note to the Insurance Industry: Marijuana Is a Thing 22 Why Insurance and Security Industries Should Work Together to Combat Active Shooter Risks

Departments

84 The Competitive Advantage: Who Needs Insurance?

10 Declarations

86 Closing Quote: 7 Major Pitfalls of High Net Worth Insurance Programs

W4 People

10 Figures

86 7 MAJOR PITFALLS OF HIGH NET WORTH

INSURANCE PROGRAMS

4 | INSURANCE JOURNAL | WEST DECEMBER 4, 2017

14 Business Moves 26 MyNewMarkets INSURANCEJOURNAL.COM

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OPENING NOTE

Write the Editor: awells@insurancejournal.com

Why Employees Cheat

Publisher Mark Wells mwells@wellsmedia.com

EDITORIAL

SALES

Editor-in-Chief Andrea Wells awells@insurancejournal.com

West Sales Dena Kaplan (800) 897-9965 X115 dkaplan@insurancejournal.com

East Editor Elizabeth Blosfield eblosfield@insurancejournal.com

Romeo Valdez (800) 897-9965 X172 rvaldez@insurancejournal.com

Chief Content Officer Andrew Simpson asimpson@insurancejournal.com

Southeast Editor/MyNewMarkets Amy O’Connor aoconnor@insurancejournal.com South Central Editor/ Midwest Editor Stephanie K. Jones sjones@insurancejournal.com West Editor Don Jergler djergler@insurancejournal.com International Editor L.S. Howard lhoward@insurancejournal.com Columnists Chris Burand

Chief Marketing Officer Julie Tinney (800) 897-9965 X148 jtinney@insurancejournal.com

South Central Sales Mindy Trammell (800) 897-9965 X149 mtrammell@insurancejournal.com Southeast and East Sales (except for NY, PA and CT) Howard Simkin (800) 897-9965 X162 hsimkin@insurancejournal.com Midwest Sales Lisa Whalen (800) 897-9965 X180 lwhalen@insurancejournal.com East Sales (NY, PA and CT only) Dave Molchan (800) 897-9965 X145 dmolchan@insurancejournal.com Advertising Coordinator Erin Burns (619) 584-1100 X120 eburns@insurancejournal.com

Contributing Writers

Insurance Markets Manager James Cameron, Michael Kasdin, Kristine Honey (619) 584-1100 X132 Kurt Thoennessen khoney@insurancejournal.com IJ ACADEMY OF INSURANCE Director Patrick Wraight pwraight@ijacademy.com Associate Director Barbara Whiffen bwhiffen@ijacademy.com

ADMINISTRATION

Chief Financial Officer Mark Wooster mwooster@wellsmedia.com

MARKETING

Marketing Director Derence Walk dwalk@insurancejournal.com Marketing Administrator Gayle Wells gwells@insurancejournal.com

NEW MEDIA

Social Media Manager Ly Short (619) 890-7735 Lshort@insurancejournal.com Classifieds, Jobs, Agencies Wanted/For Sale Sr. Sales & Marketing Coordinator Kelly De La Mora (800) 897-9965 X125 kdelamora@insurancejournal.com

DESIGN/WEB

Chief Technology Officer/ Chief Innovation Officer Joshua Carlson jcarlson@insurancejournal.com V.P. of Design Guy Boccia gboccia@insurancejournal.com Senior Web Developer Chris Thompson cthompson@insurancejournal.com

New Media Producer Bobbie Dodge bdodge@insurancejournal.com

Web Developer Jeff Cardrant jcardrant@insurancejournal.com

Videographer/Editor Ashley Waldrop awaldrop@insurancejournal.com

Web Developer Terrance Woest twoest@wellsmedia.com

CIRCULATION

Circulation Manager Elizabeth Duffy eduffy@wellsmedia.com

t can happen in the branch office or the boardroom. Volkswagen did it to pass emissions tests. Wells Fargo did it to squeeze more profits from their customers. Some school districts have it done it to boost their standardized test scores. Workplace cheating is a real phenomenon and new research from the University of Georgia explains how it starts — and how employers can help prevent it. “It’s the desire for self-protection that primarily causes employees to cheat,” said Marie Mitchell, an associate professor of management in UGA’s Terry College of Business. “Employees want to look valuable and productive, especially if they think their job is at risk.” In a recently published paper in the Journal of Applied Psychology, Mitchell and her co-authors examined performance pressure in the workplace and the behaviors that result from it. They found when employees feel their job depends on meeting high benchmarks, some fudge results. For example, when Wells Fargo employees were told to meet new goals that included opening sky-high numbers of new accounts, thousands began to open fraudulent accounts in order to meet their quotas. Wells Fargo was fined $185 million in 2016 and publicly scorned as a result. Similar scenarios can play out across all industries. “We’ve seen it in finance, we’ve seen it with educators and test scores, we’ve seen it in sports, it’s everywhere,” she said. “Performance pressure elicits cheating when employees feel threatened.” This is especially true when employees feel they cannot meet expectations any other way. That perception leads to anger, which in turn leads to unethical behavior, Mitchell said. The key to prevent workplace cheating, according to Mitchell’s research, is for managers to understand the potential threat of performance pressure to employees. If they coach employees on how to view pressure as non-threatening and focus on how to enhance performance ethically, cheating may be prevented. “It could be that if you pair performance pressure with ethical standards and give employees the right kind of assurance within the workplace, it can actually motivate great performance,” she said. “There have been many scholars who have argued that you need to stretch your employees because it motivates them, makes them step outside of FOR QUESTIONS their normal boxes and be more creative. Our REGARDING SUBSCRIPTIONS: Call: 855-814-9547 research says that it could, but it also might Outside the U.S., call 847-400-5951 or you may subscribe or change your address online at: cause them to act unethically.” insurancejournal.com/subscribe The paper, “Cheating Under Pressure: A Insurance Journal, The National Property/Casualty Magazine (ISSN: 00204714) is published semi-monthly by Wells Media Self-Protection Model of Workplace Cheating Group, 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 Behavior,” was co-authored by Michael D. per special issue copy, $195 per year in the U.S., $295 per year all other countries. DISCLAIMER: While the information in this pubBaer of Arizona State University, Maureen L. lication is derived from sources believed reliable and is subject to reasonable care in preparation and editing, it is not intended Ambrose and Robert Folger of the University to be legal, accounting, tax, technical or other professional advice. Readers are advised to consult competent professionals for application to their particular situation. Copyright 2016 Wells of Central Florida and Noel F. Palmer of the Media Group, Inc. All Rights Reserved. Content may not be photocopied, reproduced or redistributed without written permission. University of Nebraska-Kearney. Insurance Journal is a publication of Wells Media Group, Inc.

‘Performance pressure elicits cheating when employees feel threatened.’

Andrea Wells Editor-in-Chief

6 | INSURANCE JOURNAL | NATIONAL DECEMBER 4, 2017

POSTMASTER: Send change of address form to Insurance Journal, Circulation Department, PO Box 708, Northbrook, IL 60065-9967 ARTICLE REPRINTS: For reprints of articles in this issue, contact: Kelly De La Mora at 1-800-897-9965 ext. 125 or kdelamora@wellsmedia.com Visit insurancejournal.com/reprints/ for more information.

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National

Global Commercial Insurance Rates Decrease Again: Marsh

verage global insurance rates decreased for the 18th consecutive quarter, although the rate of decline slowed in the third quarter of 2017 (down 1.6 percent) as compared to the prior quarter (down 2.2 percent), according to broker Marsh’s Global Insurance Market Index for the third quarter of 2017. Marsh reports that rate decreases slowed globally in the third quarter of 2017 across property and financial and professional lines. Global property rates declined, on average, by 1.7 percent in the third quarter compared to a decrease of 2.8 percent in the prior quarter. Financial and professional lines declined, on average, by 1.4 percent, compared to a 2.1 percent decrease in the previous quarter. Casualty rates remained unchanged from the second quarter (down 1.7 percent).

Rate movements varied by region, according to the Marsh index, which saw a higher rate of average decrease in the U.S., continental Europe and Latin America in the third quarter as compared to the prior quarter. Average rates decreased in the U.K. and Asia in the third quarter, but at less pronounced levels than observed in the prior quarter. Rates increased in Australia for the third consecutive quarter. Dean Klisura, president of Global Placement and Specialties at Marsh, said that the average rates declined globally “largely due to capacity in the marketplace and competitive underwriting.” Klisura added that property damage and business interruption losses from the recent natural disasters in the U.S. and elsewhere had little to no impact on aver-

8 | INSURANCE JOURNAL | NATIONAL DECEMBER 4, 2017

age rates in the quarter as they occurred late in the reporting period, but “early indications are showing evidence of rate increases for U.S. catastrophe-exposed property risks.” The Marsh Global Insurance Market Index is a proprietary measure of commercial insurance premium rate change at renewal, representing the world’s major insurance markets and comprising 90 percent of Marsh’s premium. The index captures a rolling four-quarter view of rate movement, providing a quarter-to-quarter look at changes in the marketplace. The rate change captures year-over-year rate movement, measured quarterly. The index and rate change metrics are based on a combination of statistical data and input from Marsh placement leaders worldwide. INSURANCEJOURNAL.COM

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Figures

The number of lawsuits filed so far that blame Pacific Gas and Electric Co. for negligence in the wildfires that killed more 43 people and destroyed more than 9,000 properties in Northern California in October 2017. The lawsuits allege the San Francisco-

$1.4 MILLION The amount chick en processor Pilgrim’s Pride Corp. was cited for polluting the Suwanee River after being sued by environmental groups in Florida. The company agreed to upgrade equipment to help reduce the plant’s waste. The plant in Live Oak cuts up and packages chickens for retail sale and was cited multiple times by the Florida Department of Environmental Protection for violating limits on the amount of wastewater it is legally permitted to discharge into the river.

Strong Feelings

based utility and its parent PG&E Corp. failed to trim trees and vegetation around power lines and didn’t maintain aging equipment that contributed to the deadly series of wind-driven fires that burned in Napa, Sonoma,and Solano counties.

$10 MILLION The approximate amount for which historic Muncie Fieldhouse in central Indiana, one of the nation’s largest high school basketball venues, was insured when it was damaged by a severe a thunderstorm on Nov. 5. Valued at $9.8 million on Feb. 15, the Muncie Community Schools policy for the venue has a $50,000 deductible.

“We feel strongly that they should step up and play a role and work with the federal government in this process … We did a thorough assessment and that was completed, and this was the number that we put forward to Congress.” — White House Press Secretary Sarah Huckabee Sanders

suggested in a press conference that Texas hasn’t put up enough of its own money for recovery from Hurricane Harvey. Texas Gov. Greg Abbott has criticized the Trump administration’s $44 billion request to Congress for disaster relief in his state and other areas hammered by storms as “completely inadequate.”

Racial Class Action

“A hotbed for racist behavior.”

— That’s how a recent class-action lawsuit describes the atmosphere at the California production plant of U.S. automaker Tesla Inc.

Making Their Case

“We’ve always said it’s not a question of whether a pipeline will spill, but when, and today TransCanada is making our case for us.” — Sierra Club Beyond Dirty Fuels Campaign Director Kelly

Martin, in a statement after TransCanada Corp. discovered its Keystone pipeline had leaked an estimated 210,000 gallons of oil in northeastern South Dakota. The discovery came just days before Nebraska regulators approved the proposed Keystone XL oil pipeline, which expands the South Dakota pipeline. Martin said the only way to protect against leaks in the future is for Nebraska to reject the Keystone XL pipeline.

FEMA (Non) Response “Who?”

— Everglades City, Fla., Mayor Howie Grimm, responded jokingly when asked about the Federal Emergency Management Agency’s Irma recovery response in the tiny town of 400. Many in the community say FEMA has been stingy with assistance since the major hurricane hit the state on September 10 and pushed a 9-foot wall of seawater into the town located on the southwest side of the state.

$100 MILLION

Penn State has paid an additional $16 million to people with claims that they were sexually abused by former assistant football coach Jerry Sandusky, raising the total to more than $100 million. The school previously settled with 33 people for $93 million, so the additional payments bring the running total to $109 million. Last year’s payments mean Penn State’s overall Sandusky-related costs now exceed a quarter-billion dollars.

Declarations

$1,002,275 The amount that the Insurance Council of Texas (ICT) Education Foundation has awarded to 485 students at 12 Texas universities since 2002. This semester, the ICT Education Foundation will give $30,000 to 17 insurance and risk management students.

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Lax Safety Culture

“Had any of these issues been addressed, the accident may have been prevented.”

— National Transportation Safety Board (NTSB) investigator Joe Gordon, at a public meeting at the agency’s Washington, D.C., headquarters after federal investigators said two maintenance workers who were struck and killed by a speeding Amtrak train near Philadelphia last year were the victims of a lax safety culture that had permeated the government-owned railroad. The NTSB said the April 2016 crash in Chester, Pa., was the tragic outcome of years of rule bending, corner cutting and punitive policies that had endangered and upset Amtrak workers and their unions.

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West

Utah Seeing Increase in Drug-Related Deadly Crashes, Report Shows

he number of fatal car crashes linked to drivers on drugs has spiked in the last two years in Utah while alcohol-related fatal wrecks have declined slightly, state figures show. The Legislature’s annual report on driving under the influence data shows 108 people died from crashes related to the use of alcohol or drugs last year. The Utah Commission on Criminal and Juvenile Justice compiled the report. Fatal wrecks involving a driver testing positive for illegal, prescribed or over-theINSURANCEJOURNAL.COM

counter drugs increased from 67 in 2015 to 72 last year. The number is the highest in the past decade and makes up more than a quarter of all fatal crashes in the state. The number was 38 in 2014 and 45 the year before. Marijuana, methamphetamine and depressants are the drugs most often found, said Mary Lou Emerson, director of the Utah Substance Abuse Advisory Council. While drivers may test positive for drugs, she said that doesn’t mean they were impaired at the time of the wreck

because the drugs can remain in their system for a length of time. Deadly crashes that involved a driver with blood alcohol content at or above the legal limit fell from 37 in 2015 to 36 last year. The number has slowly dropped since the 45 recorded in 2014, but it’s still nearly double the 2012 number. Authorities made 10,762 DUI arrests in Utah last year with 81 percent of those drivers having a blood alcohol content of .08 percent or higher. Copyright 2017 Associated Press.

DECEMBER 4, 2017 INSURANCE JOURNAL | WEST | W1

WEST | News & Markets

California Fires Will Add to 2017 Insurer Catastrophe Losses, Fitch Says

o U.S. reinsurance companies in Fitch Rating’s rated universe are expected to be downgraded as a result of losses from the California wildfires alone, but for a number of companies the impact of wildfire losses adds to substantial catastrophe losses reported in third-quarter 2017, according to Fitch. Adding the California wildfires to hurricanes Harvey, Irma and Maria will make 2017 one of the costliest catastrophe loss years in U.S. history, with insured losses reaching $70 billion to $100 billion according to various estimates. In some instances, insurers could ultimately report aggregate 2017 catastrophe losses at levels that strain capital and pressure ratings, according to Fitch. The October California wildfires will be the costliest wildfire loss in U.S. history. The latest insured loss estimate from Aon Benfield is $8 billion, but the overall economic losses are considerably greater. The latest reports on losses from the wildfires includes 43 fatalities with nearly 9,000 structures destroyed. To date, the California Department of Insurance reported 19,000 residential, commercial and auto claims have been filed, with payouts exceeding $3.3 billion. “The expected loss from the October wildfires will eclipse past California wildfires by several fold,” Fitch reported. “In comparison, the 1991 Oakland Hills wildfire reported a $2.7 billion loss (inflation adjusted through 2016) from 25 deaths and 2,900 structures destroyed. Last year’s wildfire in Fort McMurray was Canada’s largest wildfire, spreading across 1.15 million acres, destroying approximately 2,400 homes and buildings and generating $3.7 billion in insured losses.”

Father and Son in California Sentenced in $400K Workers’ Comp Scheme

The majority of insured losses from the California wildfires are expected to be in the personal lines segments, as a significant number of the structures destroyed were residential properties. Of the reported losses paid by the top-15 property writers in California, more than 94 percent have been for residential property, according to Fitch. “Fitch expects a large majority of the insured losses to be retained by primary insurers,” Fitch stated. “The percentage of losses ceded to the reinsurance market will likely be considerably less than the portion ceded from recent hurricane events. Hurricane Irma also had a large flood loss component that increases the percentage of losses incurred by the National Flood Insurance Program and commercial insurers.” Several large property/casualty insurers have publicly discussed estimates of their net losses related to the wildfires and the associated impact on fourth-quarter earnings. The Travelers Companies Inc. provided a range of $525 million to $675 million before tax, American International Group Inc. reported in its third-quarter earnings call that it expected fire losses of roughly $500 million, and the Allstate Corp. reported estimated catastrophe losses of $516 million before tax with California wildfires accounting for 90 percent of this total.

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aime Rosario Del Real, 61, and son Israel Del Real, 37, have both pleaded guilty to four felony counts for their role in a $400,000 insurance fraud scheme denying workers’ compensation insurance and medical care for injured workers. The father and son were sentenced to 250 days in jail, 10 years of felony probation and ordered to pay $382,951 in restitution. This case was prosecuted by the Monterey County District Attorney’s Office. Doing business as Del Real Produce and Packing and Del Real Packing LLC, the Del Reals worked as farm labor contractors providing laborers for picking and packing lettuce for growers in Monterey County and Yuma, Arizona. After receiving information from an insurer, California Department of Insurance detectives found the Del Reals had concealed injuries their workers sustained and refused to pay for Rosario Del Real medical treatment or provide other benefits the injured workers were entitled to. The investigation also revealed that over a five-year period, the Del Reals Israel Del Real lied more than 20 times in order to obtain reduced insurance premiums. As part of their premium theft. the Del Reals reportedly kept two sets of Employment Development Division forms, with different employees and a different number of employees listed, which allowed them to evade paying payroll taxes. INSURANCEJOURNAL.COM

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WEST | PEOPLE

Brendan Williams

John Bolce

Woodruff-Sawyer & Co. has named Brendan Williams its Southern California practice leader. Williams will be assuming leadership of the Southern California region in early 2018 upon the retirement of Ron Packouz, founder and current practice leader in the region. He will be supported by a leadership team comprised of Jared Pelissier in business development, Laura Kearney in operations, Jeff Slay in employee benefits, and Ron Guerena in property/ casualty. Williams is a senior vice president and partner at Woodruff-Sawyer. He was previously senior vice president and director at Worldwide Facilities Inc. In addition to driving growth in Southern California, Williams has overseen the region’s directors and officers liability practice and mergers and acquisitions insurance solutions for public and pre-IPO companies. He serves clients in technology, life science, healthcare, retail, real estate and manufacturing. San Francisco-based Woodruff-Sawyer has offices throughout California, and in Oregon, Washington, Colorado, Hawaii and New England.

LP Insurance Services Inc. named John Bolce regional manager of the Las Vegas, Nev., office. Bolce now oversees the sales team, productivity, development and growth of the Las Vegas, Phoenix and Sacramento locations. Bolce is a member of the LP Insurance Services board of directors and vice president. He is an active broker with more than 30 years of insurance industry experience specializing in construction risk. In 2001, he joined Lucini/ Parish Insurance before it was acquired by Wells Fargo in 2007. He was the construction practice leader while at Wells Fargo Insurance Services. In 2012, he became a principal and shareholder at LP. Reno, Nev.-based LP and has Nevada offices in Elko and Las Vegas, California offices in Sacramento and Truckee, as well as in Phoenix, Arizona. XL Catlin’s Global Excess Casualty has named Joel J. Konczal as assistant vice president and underwriting manager for Northwest excess casualty. He will be based in San Francisco and report to Matthew Stitham, senior vice president of the Western zone. Konczal held various excess casualty underW4 | INSURANCE JOURNAL | WEST DECEMBER 4, 2017

writing positions at and Zurich prior to joining XL Catlin. XL Catlin is the global brand used by XL Group Ltd.’s insurance and reinsurance companies, which provide property/casualty, professional and specialty products. Bickmore has added William Portello to its Sacramento, Calif., office. He will serve as the director of litigation management and will oversee the litigation management team and assist pool members throughout California with developing contract requirements and provide employment practices consulting. Portello is a member of the bar in both California and Oregon and has more than 20 years of experience in civil litigation, insurance law, employment law and consumer law. Portello recently worked as litigation managing attorney at Guichard, Teng & Portello, where he oversaw all aspects of civil litigation representing both private and public entity clients. Bickmore is a division of York Pooling, a provider of public entity self-insurance pool management and administration. Fresno, Calif.-based United Valley Insurance Services Inc. has named Maggie De La Torre a marketing team assistant. De La Torre holds a will provide support to the United Valley marketing team and will market high net worth personal lines, flood and other specialty accounts. United Valley is a membership network of 80 independently owned and operated insurance agencies with more than 100 locations in California and Arizona. San Francisco, Calif.-based Cooper & McCloskey Inc. Insurance Brokers has named Jack Witherspoon the lawyers professional liability team leader. Witherspoon will be responsible for leading and managing the CMI LPL team, driving new business, and cultivating and managing existing retail relationships. He has more than 30 years of experience. He joins CMI from Liberty International Underwriters where he was an underwriting manager. Cooper & McCloskey is a wholesale insurance brokerage specializing in professional liability.

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Idea Exchange

The Business of Marijuana

Note to the Insurance Industry: Marijuana Is a Thing

By Michael Kasdin

t’s high time the insurance industry embraces marijuana. That’s because pot has entered the mainstream. To date, 29 states and the District of Columbia have legalized medical marijuana, eight states (plus D.C.) permit its recreational use, and several other jurisdictions are inching toward legalized and regulated cannabis.

Public opinion is in weed’s corner, as well — 64 percent of adults in the U.S. support making the substance legal, this according to a recent Gallup survey. No doubt, the times they are a-changin’. These days, even the tourism business has begun to recognize the opportunity pot presents with folks flocking to locations in Colorado, California, Nevada, Oregon, Maine, Massachusetts and beyond to legally smoke, vape, eat and drink the herb. The not-so-veiled message to insurers: if you aren’t doing so already, perhaps you should be thinking about ways to provide coverage for various aspects of this burgeoning — dare I say “budding” — sector.

Lines of Coverage

Marijuana is a multi-billion-dollar industry, and the insurance implications are no different than any other large industry. Just as the strains of cannabis are many, so too are the potential lines of coverage

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and ancillary issues that legalized pot brings to mind. Here’s an overview:

Property/Casualty Insurance

Businesses growing, distributing and selling cannabis and its extracts may want the full suite of insurance protection, which includes property coverage (pot producers cultivate product in places that need to be insured); fire (the stuff burns, which can be a pro for consumers and con for would-be claimants); commercial general liability (for that inevitable slip and fall in the dispensary); workers’ compensation (“hey boss, I’ve got carpal tunnel from rolling joints!”); business interruption (if the power goes out in the greenhouse); automobile (because ganja delivery is actually happening); employee theft (those edible gummy bears may be tempting to workers behind the counter); cyber (cannabis has gone high tech); and earthquake (a lot of Mary Jane is

continued on page W8

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Idea Exchange continued from page W6

grown in California). Clearly, a market exists for insurers thinking about dipping their toes — or diving head first — into the marijuana space, and the future will reward companies that contemplate the possibility of selling relevant insurance products.

Life/Health Insurance

Going forward, life and health insurance carriers would do themselves a favor by considering how pot will influence the way business is done and policies are written. Indeed, insurers should begin to look at current products differently. An illustration: many doctors confirm the medical benefits to marijuana consumption — it’s used to treat a variety of conditions, Alzheimer’s disease, multiple sclerosis, cerebral palsy, epilepsy, anxiety, nausea and chronic pain, among them. But is the drug covered under health insurance contracts as presently configured? Should it be? Obviously, the current stance of the federal government cannot be ignored, but how about when that stance changes? Will your company be ready? This is something insurers should address, especially when the cost of cannabis may pale in comparison to the overwhelming expense of some traditionally prescribed drugs. It might make sense to cover an insured’s $50 marijuana prescription if it serves to replace her Zofran that costs $1,000 or more. Group medical is also in play given the hundreds of thousands of individuals now employed by so-called “grow” operations and dispensaries. Likewise, how might life insurance coverage be impacted when, for example, weed is found to stop seizures and help insureds live longer? These and additional existing lines of insurance — non-major medical travel, to name another — are potentially affected by the trend toward legalization in this country. Insurance companies should respond accordingly.

Other Insurance-Related Products

As investors take significant positions in marijuana operations, surety bonds

The Business of Marijuana and forms of financial guaranty insurance become relevant factors. Consider a contractor building a large-scale “grow” facility — is he able to obtain the necessary surety bond? What about syndicates trying to finance expansion with debt, will they be able to obtain a credit wrap? And how about ... wait for it ... crop insurance for marijuana and hemp? Growers are certainly desperate to find it. Perhaps new products, specifically tailored to a different way of doing business, will be necessary (and profitable) in these instances.

because pot, or any other illegal substance, may not allow for an insurable interest. Still, some states — Oregon is one of them — have passed (or seek to pass) legislation specifically preempting this ruling. No doubt about it, the issues here are difficult ones, though it’s safe to say that interested insurers have their fair share of cover because they operate in an industry that’s primarily state regulated and protected by the McCarran-Ferguson Act, which exempts the business of insurance from many federal laws. In addition, the 10th Amendment delegates powers outside of the limits of the federal government to states. These principles, coupled with the fact that state insurance commissioners seem, for the most part, to be in support of coverage in the marijuana space, indicate that risks related to pot are very likely insurable. And if they aren’t now, they soon will be because the momentum is undeniable — pot is going to become completely legal, it’s just a matter of time.

Marijuana is a multi-billion-dollar industry, and the insurance implications are no different than any other large industry.

Tension Between State, Federal Laws

It’s true, more than half the states in the U.S. have taken a relatively relaxed view of marijuana, as evidenced by laws that have legalized the substance for either medical or recreational purposes. That being said, pot continues to be illegal under federal law. In fact, the Controlled Substance Act classifies cannabis as a Schedule I drug, alongside heroin and LSD. Other federal statutes such as the Patriot Act (used primarily to justify the issuance of drug warrants as opposed to fighting terrorism) and the Bank Secrecy Act (with its anti-money laundering rules) also create significant stumbling blocks for those in the marijuana trade — a noteworthy problem for insurers hoping to get in the game. As a consequence of the existing state vs. federal tug of war, many questions loom: If an insurance company were to work with a grower, dispensary or — for that matter — an individual user, could it be guilty of aiding or abetting a crime? What about possible racketeering? Would it be an illegal effort to circumvent federal statutes by forming group captives to insure a cannabis enterprise? If so, could the U.S. seize reserves held to pay claims? And more fundamentally, can marijuana even be insured in the first place, given that it’s illegal under federal law? According to one court in Tracy v. USAA Casualty Insurance Co., the answer to this last query could be “no,”

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The Takeaway

These points are indisputable: marijuana is a major industry that requires coverage at the commercial and personal lines level; insuring weed-related risks is in its infancy; there are billions of dollars at stake; and proactive insurers have the opportunity to invent the market. Sure, current federal laws make it somewhat problematic for companies to jump into the business uninformed, but the tension between state and federal rules is loosening and the proverbial “wall” created by federal statutes is sure to fall in the nottoo-distant future. Forward-thinking insurers and reinsurers should be ahead of the curve when it does. Why? Because marijuana is a thing. Kasdin is the managing partner of Michelman & Robinson LLP’s Chicago office (the firm also has offices in Los Angeles, Orange County (California), San Francisco and New York City). He can be contacted at 312-706-7747 or mkasdin@mrllp.com. INSURANCEJOURNAL.COM

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Insurtech Startup Debuts with $6M and Proactive Cyber Risk Product By Don Jergler

California insurtech startup with a new cyber product has launched to offer brokers and their clients what it calls “redesigned insurance, with cyber security expertise at its core.” Mountain View, Calif.-based At-Bay launched out of stealth mode late last month along with the announcement that it has $6 million from a seed funding round led by LightSpeed Venture Partners, with the participation of Shlomo Kramer and LocalGlobe, and that the firm has the backing of The Hartford Steam Boiler Inspection and Insurance Co. According to Rotem Iram, CEO and founder of At-Bay, the firm is offering a proactive risk management service to go along with insurance coverage. A company that buys a cyber policy will be scanned by At-Bay and monitored for weaknesses that hackers may be able to expose, he said. “We have expert security researchers who are assessing in real-time how risk is changing,” said Iram, who was formerly the chief operating officer of the cyber security practice for K2 Intelligence. He said the firm is constantly changing its algorithms to be able to price policies based on how they believe next year’s risk will look for a company instead of relying on past events like traditional insurance models do. “We believe we’re building the infrastructure for a risk organization for the 21st century to allow us to better understand risk,” Iram said. “The insurance product is only the start of the relationship.” The Hartford Steam Boiler provides the capacity and paper for the policy, and the product is sold through brokers to clients. They are selling up to a $10 million single-limit comprehensive standalone cyber policy, which has all the elements of standard cyber policy, like data breach, business interruption, financial fraud, extortion.

The firm is starting to offer polices in California, and it’s licensed to sell in Connecticut, Florida, Illinois, Massachusetts, New York, Texas and Washington. The focus is on middle-market companies with policies from $3 to $10 million in single limits. Iram said premiums will vary depending on a company’s cyber security measures in place, its software and its risk of an attack, and that the value-added risk management service doesn’t necessarily mean companies will be paying higher premiums. The firm already has a dozen clients in pipeline, with several policies set to be written, he said. According to Iram, At-Bay uses software to scan companies “from the outside in,” then offers fixes to potential cyber issues, and supplies experts on demand to help. The firm has built a “reconnaissance engine” that Iram said is “equivalent to a nation state’s reconnaissance.” He said this software engine enables the firm to discover vulnerabilities in a manner that’s similar to how sophisticated hackers probe cyberspace for victims. The reconnaissance engine is “contextu-

‘It’s basically very much like what a hacker would do in the first reconnaissance phase of an attack.’

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alized to find the fingerprint of every company” within information out there on the Internet, he said. “It’s basically very much like what a hacker would do in the first reconnaissance phase of an attack,” Iram added. The firm is actively promoting the product to brokers as an “intuitive, digital platform which combines its insurance product with risk insights” to help them start a conversation with their clients on matters like security and financial exposure, and offer case studies and benchmark data. “We believe that brokers are the key to unlock the value of this for clients,” Iram said. He said brokers can input the name of a potential client and generate risk scores, and a financial exposure calculator they can share. The product is free for brokers to use. Iram didn’t offer details on the commission structure, but said it is standard for selling cyber products. “Market standard commissions for retail brokers,” he said when asked to talk about commissions. “It’s not better or worse.” Iram said that with the initial research and development phase complete, the plans are to use the $6 million in seed funding to go to market and build up the firm’s sales force. INSURANCEJOURNAL.COM

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California Lawmakers May Limit Liability of Autonomous Carmakers By Michael Liedtke

alifornia regulators are embracing a General Motors recommendation that would help makers of self-driving cars avoid paying for accidents and other trouble, raising concerns that the proposal will put an unfair burden on vehicle owners. If adopted, the regulations drafted by the California Department of Motor Vehicles would protect these carmakers from lawsuits in cases where vehicles haven’t been maintained according to specifications. That could open a loophole for automakers to skirt responsibility for accidents, injuries and deaths caused by defective autonomous vehicles, said Armand Feliciano, vice president for the Association of California Insurance Companies. For instance, manufacturers might avoid liability if the tires on self-driving cars are slightly underinflated or even if the oil hasn’t been changed as regularly as manufacturers suggest, he said. “When is the last time you followed everything that is listed in your car manual?” Feliciano said. The California DMV declined to comment on its proposed regulations. Determining liability for self-driving cars is just one of the many hurdles that still must be addressed as dozens of automakers and technology companies expand their tests of robotic vehicles cruising public roads scattered across the U.S. Some of these companies are hoping to deploy their self-driving vehicles in ridesharing services and eventually sell them to consumers within the next few years. As biggest testing ground for self-driving cars, California is being viewed as a bellwether for how other states might sculpt their regulations down the road. The section addressing the limits of automakers’ liability adopts much of the wording proposed in an April 24 letter to the DMV from Paul Hemmersbaugh, formerly chief coun-

sel for the National Highway Traffic Safety Administration and now chief counsel for the General Motors division overseeing self-driving cars. Consumer Watchdog, an activist group frequently critical of business interests, believes Hemmersbaugh plied the connections he made at the California DMV while working at the National Highway Traffic Safety Administration to insert the clause that could make it easier for self-driving carmakers to avoid liability. “It is the result of the ongoing and troubling federal revolving door between the National Highway Traffic Safety Administration and the auto industry,” Consumer Watchdog officials wrote in a letter to the DMV. Under current law, automakers can still be held liable for faulty equipment or other flaws in vehicles that require a human driver, even if the owners haven’t followed all the maintenance instructions. That would change if the DMV’s proposed regulations go on the books as is, warned the Consumer Attorneys of California, a professional association of trial lawyers. “This language creates a dangerous ‘moral hazard’ where manufacturers are

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encouraged to create unreasonable or impossible maintenance specifications to shift the burden onto (self-driving car) consumers or the public at large for technological failures,” the trade group wrote in its comments to the DMV. GM spokeswoman Laura Toole lauded the “transparency” of the DMV’s process. Dozens of parties also submitted comments and recommendations, leaving it to the DMV’s staff to decide which to include in the agency’s proposed rules, she said. In his letter, Hemmersbaugh linked his recommendations to concerns that self-driving carmakers might be held responsible for all vehicle problems “without taking into account the acts of intervening parties and other factors that contributed to an incident.” Self-driving cars are being touted as safer alternative to vehicles operated by humans who get drunk or distracted. But accidents are still bound to happen, and some are likely to be caused by equipment defects, said Jacqueline Serna, legislative attorney for the Consumer Attorneys of California. And when that happens, she said, it should be left to the courts to draw the lines of liability. Copyright 2017 Associated Press. INSURANCEJOURNAL.COM

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Additional Runway Incidents at San Francisco Airport Under Investigation

plane in time. Both incidents happened at night, and there were no injuries in either case. News of the investigations emerged a month after an Air Canada jet ignored or did not receive instructions to abort a landing. In the fiscal year that ended Sept. 30, there were 1,704 so-called runway incursions nationwide, according to the Federal Aviation Administration. Two-thirds were blamed on pilots, such as a pilot taking a plane across a runway without approval from the control tower. Most of the rest were blamed either on errors by air traffic controllers or pedestrians or

vehicles being on a runway without permission. The safety board is still investigating a San Francisco airport incident in July, when an Air Canada jet that was landing mistakenly headed toward a taxiway where four planes were on the ground. That led to changes in control tower staffing at night and procedures pilots must follow when landing at the airport during certain nighttime hours. Preliminary reports issued by the safety board indicated that the Air Canada plane dipped as low as 59 feet above the ground, barely high enough to avoid the tops of the jets on the ground. Copyright 2017 Associated Press.

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.S. officials are investigating two more incidents at San Francisco International Airport where planes could have wound up on the same runway, the National Transportation Safety Board said. The incidents include an event in December 2016 when a SkyWest plane crossed a painted runway line it was supposed to stay behind while another plane was taking off, according to a safety board preliminary report. The safety board report also revealed that a Compass Airlines plane in February was forced to abort a landing because a Virgin America jet was waiting to take off on the same runway. Air traffic controllers received a warning about the potential conflict from an automated system and were able to redirect the Compass

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Small Businesses Want More Self-Service Workers’ Comp Tools: Survey

early a quarter (23 percent) of America’s small business owners believe workers’ compensation carriers could improve their customer service if they offered more online or self-service tools. Better communication and faster claims resolution also topped the list of small businesses’ desired improvements business, according to the survey by small business insurer EMPLOYERS. The survey of 500 small businesses found that 67 percent of small business owners are “extremely likely or somewhat likely” to use a self-service online portal from their workers’ compensation carrier to review policy information, make policy changes or make payments. Small business owners also expressed an interest in using a mobile app for managing their policies. The most important features were the ability to view payment history (34 percent), submit claims (32 percent),

make premium payments What factors, if any, would improve your experience (31 percent) and track prewith your workers’ compensation insurance provider? viously submitted claims More online or self-service tools 23% (31 percent). Almost 60 More communication about my policy 20% percent of small business 15% Faster claims processing and payments owners indicated that they More resources to make my workplace safer 14% were extremely or someA mobile app to submit and track claims 12% what likely to use a mobile More communication about the status of submitted claims 10% app for submitting claims, EMPLOYERS surveyed 504 U.S.-based business owners over the age tracking claims, making of 18. The survey was fielded using the Qualtrics Insight Platform and the panel services were provided by Apex Ops Group. Fieldwork was payments, or viewing payconducted between May 3 – May 6, 2017. The margin of error was +/- 5 ment history. percent. Most small business improve responsiveness and convenience,” owners (76 percent) said that an identical experience across desktop and laptop com- said Ty Vukelich, vice president, Corporate Marketing at EMPLOYERS. “For a long puters, smart phones, and tablets was very time, the customer experience has been an or somewhat important. “Mobile and self-service technologies afterthought in this industry. The new generation of small business owners is digitally have penetrated all aspects of our lives, so it’s not surprising that small business ownsavvy, so now is the time for the industry ers would want their workers’ compensato get focused on the customer and deliver tion insurance carriers to use those tools to the kinds of experiences they want.”

Clearsurance: Despite Recent Natural Disasters, Homeowners Fail to Enhance Coverage

recent online survey of 1,000 U.S. individuals uncovered that the majority (87 percent) are concerned about a natural disaster striking their area but very few have taken action to protect themselves from being uninsured or underinsured. Of those that said they took action, the majority went no further than reviewing their policy. Only 18 percent enhanced their homeowners coverage and 12 percent purchased a new insurance plan. “We conducted this survey following a string of devastating events across the country and the findings highlight a clear problem: consumers’ lack of knowledge about their own homeowners policies and what is and is not covered,” said Todd INSURANCEJOURNAL.COM

Kozikowski, co-founder and chief revenue officer for Clearsurance, a crowdsourced review, rating and educational platform for the insurance industry that conducted the survey and presented results in its Natural Disaster Report. “This is why we created Clearsurance. Our aim is to help people make smarter insurance decisions by empowering them through education and reputable reviews shared by other consumers. This knowledge will ultimately help homeowners secure proper coverage for property losses, and be ready for inevitable natural disasters in the future.” Kozikowski cited data from CoreLogic that 70 percent of flood damage from Hurricane Harvey was uninsured to underscore the concern that an overwhelming majority of victims are not ade-

quately covered. Other findings from the Clearsurance survey include: • The most frequently noted natural disaster claim filed was wind damage at 28 percent, followed closely by flood at 25 percent • Wind and flood were followed by ice (15 percent) and earthquake (12 percent) • The least commonly filed claim was wildfire at 10 percent nationally, though it was notably higher for respondents from the West at 25 percent • 82 percent of participants are expecting a rate increase for their policies following the 2017 storm season • 35 percent of those expecting a rate increase think it will be 10 percent or more and 47 percent expect it to be between 1 and 9 percent Massachusetts-based startup Cleasurance.com currently has ratings of 370 insurers on its site.

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Global Regulators’ Rethinking of Risk Assessment Welcomed by Large Insurers By Huw Jones

lobal regulators are rethinking how to assess risks in big insurance companies, marking a shift that could make life easier for the industry. The Financial Stability Board said last month it could take a different approach to assessing risk which would change the way it compiles a list of “systemically” important insurers that must comply with tough rules to cushion them against losses. The rethink marks a victory for insurers following pressure from the U.S. Treasury. The FSB, which coordinates financial rules across the Group of 20 economies, first created its list of globally systemic insurers in 2013 and updates it each November. The aim of the FSB list is to ensure that big insurers comply with extra requirements such as “higher loss absorbency” and closer scrutiny. But the FSB, based in Basel, Switzerland, said work by insurance regulators to develop an approach focused more on an insurer’s activities rather than its size, “may have significant implications for the assessment of systemic risk in the insurance sector.” The FSB will review progress on this “activities-based approach” in November 2018. Insurers have long argued they should not be treated like banks when it comes to setting capital requirements. U.S. insurer AIG’s $182 billion bailout by American taxpayers in the financial crisis was an exception due to its involvement in risky activities, the industry has said. Five of the nine insurers on the FSB’s 2016 list — Aegon , Allianz, Aviva, Axa and

Prudential — are based in Europe. “Although, it is possible that insurers can develop activities, such as banking type business, which could be systemic, this has always been rare,” Nicolas Jeanmart, head of personal and general insurance at trade body Insurance Europe, said in a statement. “The current list approach, with automatic capital increases for those included, and largely driven by the size, is flawed,” Jeanmart said. The Association of British Insurers said the FSB had taken a “puzzling step,” but it was hopeful the new approach would lead to a more sophisticated way of assessing risks. ABI policy adviser Annalise Vucetich said it was unclear why the FSB won’t go ahead with updating its list given that work on an activities based approach has barely begun. Work on a global capital standard for the big insurers is also taking longer than expected due to disagreements between the U.S. and Europe. In the meantime, the U.S. Treasury Department has been pushing the FSB to ease up on insurers and asset managers. A group of U.S. regulators have removed AIG from its domestic list of systemically important insurers, raising questions over whether the FSB would keep it on its global list. Global watchdogs like the FSB face the choice of accommodating the U.S. or risk having the world’s most important capital market pulling back from international rulemaking. The FSB has already had to back down from treating big asset managers like banks and switched to an activities-based approach after pressure, this time from fellow securities regulators. (Reporting by Jones; editing by Jason Neely and Jane Merriman) Copyright 2017 Reuters.

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Las Vegas ZIP Code Has Most Drone Hobbyists in Nation

esearchers say the ZIP code containing the highest number of registered hobbyist drone users in the country is in Las Vegas. Drone researchers at Bard College in New York analyzed data from the Federal Aviation Administration, finding the 89117 ZIP code had 672 hobbyist drone registrations. The residential area west of the Las Vegas Strip had about 200 more hobbyist users than the next highest Zip code, which was in a Houston suburb. Researchers say there are 836,796 hobbyist drone users and 106,739 non-hobbyist users registered across the country. Michael Sherwood, who is the city’s director of information technologies, says the findings speak well for Las Vegas as a community that embraces new technology. Copyright 2017 Associated Press.

Federal Investigators Say Fatigue, Poor Safety Cause of Deadly California Bus Crash

ederal safety investigators say a sleep-deprived driver and a bus company with a poor safety record were causes of an August 2016 crash in California’s Central Valley that killed four passengers and injured 20 others, including the driver. The National Transportation Safety Board said this week that the driver of a bus operated by Fresno-based Autobuses Coordinados USA Inc. had only slept about five hours over the 40 hours preceding the Aug. 2, 2016 crash. The bus traveling from Los Angeles to Modesto drifted off the right side of Route 99 and struck a highway signpost that sliced the bus nearly from nose to tail. The NTSB says the federal agency that regulates bus safety needs to move more aggressively to keep dangerous carriers off the roads. Copyright 2017 Associated Press. INSURANCEJOURNAL.COM

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News & Markets | NATIONAL loss-affected accounts could rise significantly.”

Profits Down in 2017

‘Substantial’ Rate Hikes Expected As Re/Insurers’ Results Take a Hit: Swiss Re

on-life re/insurers’ full-year underwriting results are likely to be severely affected by the second half of the year's three hurricanes and earthquakes in Mexico—which will lead to rate hardening for non-life insurers and reinsurers, according to a report published by Swiss Re. These natural disasters could cost the industry an estimated US$95 billion and lead to a combined ratio in the U.S. property and casualty insurance sector of 109 percent in 2017, up from 101 percent in 2016, said the Swiss Re Institute’s report, “Global insurance review 2017, and outlook 2018/19.” This figure will be even higher for global reinsurance. Assuming no further large catastrophe events, the combined ratio for the reinsurance sector on average is estimated to be around 115 percent in INSURANCEJOURNAL.COM

2017, up from 92 percent in 2016, Swiss Re said.

Rate Hikes Expected in LossAffected Sectors

As a result of these large losses, rate hardening is expected in both non-life insurance and reinsurance. “Price rises in loss-affected segments are already happening and could be substantial,” said Kurt Karl, Swiss Re’s group chief economist. “The ultimate volume of losses is not yet known, but appears to be large enough to cause price increases beyond the affected sectors,” he said. “This is also happening because prices have fallen so low over the past few years,” Karl added. In reinsurance, the catastrophes “have drained capacity from both the traditional and alternative capital sectors,” said the report, noting that rates “in

Soft underwriting conditions, low investment yields and catastrophe losses have all acted to reduce global non-life insurance industry profitability, the report said. Return on equity (ROE) was down to 3 percent from 6 percent in 2016. While profitability in nonlife insurance “is expected to strengthen in 2018 and 2019 as underwriting conditions turn more favorable, the improvement will be modest with industry ROE at around 7 percent to 8 percent,” it added. Further, insurers’ investment income will continue to be weak “given the ultra-low interest rate environment over recent years.” The report said that although interest rates are gradually rising, investment income will grow only slowly. In non-life reinsurance, global premiums are estimated to have grown by 3 percent in 2017 in real terms, “based on rapidly increasing cessions from emerging markets,” Swiss Re continued. “In 2018 and 2019, premium growth in emerging markets is expected to remain steady, driven by stronger sales of primary insurance in all regions. In the advanced markets, premium growth will reflect a moderate hardening of rates and stronger primary market growth,” the report said.

Growth Expected in 2018

Swiss Re noted that the global economy is in a cyclical upswing, so moderate growth is forecast for 2018 and 2019. “This should further support growth in the insurance mar

‘The ultimate volume of losses is not yet known, but appears to be large enough to cause price increases beyond the affected sectors.’ kets, with global non-life premiums forecast to rise by at least 3 percent, and life premiums by about 4 percent in real terms annually in 2018 and 2019,” the report added. “A number of risks could derail this relatively benign growth outlook. For example, protectionist trends pose an increasing threat to global economic growth,” Swiss Re said. “Also, there are worries that unwinding of quantitative easing programs by central banks could spark a negative financial market reaction. In addition, elevated corporate debt levels in China, despite measures taken, remain a concern.”

Emerging Markets

The emerging markets, particularly in Asia, will continue to be the main driver of premium volume gains with premiums forecast to rise by 6 percent to 7 percent in real terms annually in the next two years, little changed from 2017. Non-life business will continue to benefit from urbanization, as well as rising home and car ownership, the report said. “Concerns about environmental protection, food safety and underinsurance in property are also expected to start to filter through to sturdier demand for associated liability and property covers,” the report indicated.

DECEMBER 4, 2017 INSURANCE JOURNAL | NATIONAL | 11

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Global insurance broker Hub International Ltd. has agreed to acquire the assets of the crop insurance broker business of Wells Fargo Insurance. Terms of the agreement to buy the business, known as Wells Fargo Crop Insurance Agency, were not disclosed. With offices in South Dakota, North Dakota, Minnesota, Iowa, Nebraska and Indiana, Hub offers insurance to protect agriculture-related operations. Following the acquisition, the Wells Fargo Crop team members will join Hub Mountain. Jeff Kemink, national crop insurance manager of Wells Fargo Crop, and Jean Hinsverk, assistant vice president and operations manager, will join Hub Mountain in leadership roles. The deal continues Wells Fargo’s exit from the crop line. Last year, Zurich American Insurance Co. bought Rural Community Insurance Agency and its subsidiary Rural Community Insurance Co. from Wells Fargo Insurance for $700 million.

Last October Hub purchased Mayport Insurance & Realty Inc. in North Dakota, which specializes in insurance for the agriculture and crop industry.

Arthur J. Gallagher, Associated Insurance Services Arthur J. Gallagher & Co. has acquired Westlake Village, Calif.-based Associated Insurance Services Inc. Terms of the deal were not disclosed. Michael C. Creswell, Tim McClain, Megan B. Gaines and their associates will continue to operate from their current location under the direction of Scott Firestone, head of Gallagher’s Southwest region retail property/casualty brokerage operations. Associated Insurance Services is an independent commercial and personal lines property/casualty insurance agency with a focus on construction industry, retail, hospitality and manufacturing clients. Rolling Meadows, Ill.-based Arthur J. Gallagher & Co. is an international insurance bro-

14 | INSURANCE JOURNAL | NATIONAL DECEMBER 4, 2017

Prime Risk Partners Inc. (PRP) has acquired Gunn, Steers & Co., a Manhattan, N.Y.-based insurance broker with a specialized practice for financial institutions and asset management companies. Gunn Steers will maintain its name and continue operating at its current location in Manhattan following the acquisition. As part of PRP, Gunn Steers will continue to offer clients day-to-day service, backed by the national resources of PRP and the metro presence of Cook Maran & Associates (Cook Maran), PRP’s New York metropolitan area platform. Gunn Steers’ specialized expertise in financial services will be available to all clients of PRP countrywide. Gunn Steers’ specialty will add capabilities to PRP’s national platform and strengthen its presence in the New York metropolitan area, which PRP has already worked to grow via strategic acquisitions and service through Cook Maran. Gunn Steers started in 1925 and grew to become a domestic and international full-service brokerage and financial services firm. During the past 30 years, the firm has focused its efforts on brokering and servicing financial institution-related clients. PRP, headquartered in Atlanta, is building a national platform founded with regional agencies like Cook Maran and Gunn Steers that seek expansion through local manage-

ment and knowledge with the resources of a national organization.

AssuredPartners Inc., Synergy Professional Associates

AssuredPartners Inc. has acquired Synergy Professional Associates of Fairfield, N.J. Synergy is a managing general agent and wholesale insurance intermediary devoted to professional liability and program development. It was founded as a boutique gateway for specialized professional liability programs, and its programs allow markets and carriers to reach customers outside of the broad categories and general needs. Following the acquisition, Synergy’s staff of 18 will continue operations under the leadership of Ira Dawer, Michele McCrohan and Maggie Rendeiro. Synergy expects that its model, coupled with AssuredPartners’ nationwide presence and services, will give it the opportunity to develop professional liability programs that address niches not served by standard insurance products. Headquartered in Lake Mary, Fla., and led by Jim Henderson and Tom Riley, AssuredPartners Inc. acquires and invests in insurance brokerage businesses across the United States and in London.

Cross Insurance, Holden Agency

Cross Insurance, a subsidiary of Cross Financial Corp. and an independent insurance provider in New England, has

continued on page 16

INSURANCEJOURNAL.COM

Â®

NATIONAL | Business Moves continued from page 14 acquired the Holden Agency and its beneHPM Insurance, Byse Agency Inc. HPM Insurance, an Amherst, N.H.fits division, Employee Benefits Solutions headquartered insurance agency, has Inc. Both are based in Portland, Maine. Under the terms of the October 3 acquiacquired Byse Agency Inc. of Laconia, N.H. sition, Eric Jermyn, president of Cross The purchase of Byse Agency expands Employee Benefits, and Dave Messersmith, the footprint of HPM Insurance into president of Cross Insurance/Portland, the lakes and northern regions of New Maine, will assume branch management Hampshire, as it includes the Byse home responsibilities. office in Laconia, Bristol Insurance Agency Holden Agency executives Thomas in Bristol and Franconia Insurance Agency Holden and John Benoit will remain on in Franconia Notch. staff and assist with management of the Byse Agency decided to join HPM office. Financial terms of the acquisition Insurance to ensure clients and employees are not being disclosed. would continue to appreciate what it has Jonathan Cross, chief operating officer built, while providing access to additional at Cross Insurance, said this latest acquisiresources to move the agency forward, said tion represented an opportunity to expand Byse Agency President Jeffrey Flanders. operations in Maine. HPM Insurance has offices in Amherst, Given the complexity of issues and escaBedford and Byse, N.H. lation of healthcare costs facing clients, Alera Group, Flagship Healthcare the acquisition will also enhance efficienA&M IJ Personal Umbrella.pdf 1 12/28/15 10:22 AM Deerfield, Ill.-based Alera Group, a cies and improve available resources and national employee benefits, property and expertise for clients, the company said.

casualty, risk management and wealth management firm, has acquired Flagship Healthcare, a physician-owned insurance brokerage specializing in professional liability insurance solutions for healthcare providers. Located in Chicago, Flagship Healthcare strives to educate and collaborate with each of its clients, meeting their individual malpractice insurance needs. Flagship Healthcare will join Alera Group through the local firm GCG Financial in Chicago. The Flagship Healthcare acquisition is one of three completed by Alera Group on Nov. 1. Alera also has acquired HealthFirst, which specializes in cost management, benefit administration technology, monthly reporting, compliance support and HR support. And Flagship Healthcare acquired Somerset Capital Advisors, which offers investment advisory services. HealthFirst and Somerset Capital are located in Berwyn, Pa.

Seeman Holtz Property & Casualty, Check Out Insurance

Boca Raton, Fla.-based Seeman Holtz Property & Casualty Inc. has acquired Check Out Insurance LLC, headquartered in Dallas. Check Out Insurance will be joining the Primera Capital team to bring a solid book of quality client relationships to the Seeman Holtz portfolio throughout Texas. Seeman Holtz Property & Casualty remains focused on targeting high-quality independent agencies for geographic expansion and continued growth. With the addition of Check Out Insurance LLC, Seeman Holtz Property & Casualty Inc. closed its 22nd agency acquisition for 2017.

CMY

The Hilb Group, David Hill and Associates

The Hilb Group, LLC (THG) has acquired David Hill & Associates, Inc. (DHA) of Wilmington, N.C. DHA will be joining the existing Hilb Group office in Wilmington to build an expanded benefits practice. DHA represents THG’s 41st acquisition since 2009 and the 11th acquisition in 2017. THG is a middle market insurance agency headquartered in Richmond, Va. ANDERS16787.indd 1

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NATIONAL | Spotlight | Program Business

Program Business Sector Revenue Jumps 11.7% from 2014 to 2016: TMPAA By Andrea Wells

he financial performance of commercial property/ casualty insurance program administrators continued to outpace the performance of the overall property/casualty insurance markets, according to a recent study. Program business premium jumped 11.7 percent in 2016 reaching $36.1 billion for the sector, up from $32.3 billion in 2014, according to the study “The State of the Program Business,” published by the Target Markets Program Administrators Association (TMPAA). Released at its annual summit in Scottsdale, Ariz., in October 2017, the TMPAA study identifies the size, characteristics, growth and other baseline

information about the program insurance market. Since the launch of the first TMPAA study seven years ago, the program insurance market has more than doubled in size (a 106 percent increase), the report said. The first study reported $17.5 billion in commercial insurance premium in 2010. The TMPAA defines program business as insurance products targeted to a particular niche market or class of business, generally representing a book of similar risks placed with one carrier. Program administration includes product marketing, underwriting selection, binding, issuing, and may also include billing, premium collections, data gathering, claims management/loss control and risk sharing. Specialists distrib-

18 | INSURANCE JOURNAL | NATIONAL DECEMBER 4, 2017

ute these programs on a retail, wholesale or direct basis.

Growth

The program business market is growing more quickly than the overall commercial insurance marketplace, according to the study. While the size of program business rose 5.3 percent between 2015 and 2016, the growth in direct premiums written for commercial lines increased by only 1.3 percent during that same time period, the report said. “Despite facing challenges in the areas of technology, the soft market, data collection, recruitment, consolidation, and increasing competition players in the program administration industry continued to report strong growth,” the study said. “Both administrators and carriers remain bullish on the industry’s future. They are in agreement that the program space will continue to be a strong market especially if they address areas that need

improvement,” the study said. “The specialization of program business continues to drive results that outpace the market,” said Chris Pesce, TMPAA's president-elect and CEO of Maritime General Agency, “Entrepreneurial program administrators are poised to take advantage of opportunities created by leveraging technology, increased use of data analytics and exploiting new program niches.”

Mergers and Acquisitions

The number of insurance programs remained constant with approximately 2,100 programs and 1,000 program administrators despite significant mergers and acquisitions activity in the segment. Almost half (45 percent) of the administrators polled are looking to acquire other firms in the near future, the study revealed. The larger administrators responding to the survey reported a greater tendency to acquire other program administrators than smaller INSURANCEJOURNAL.COM

firms. The current state of high valuations of insurance organizations are impacting acquisition activity, the report said. Some 18 percent of administrators polled said current valuations are preventing them from successfully acquiring. Carriers have their eye on continuing to grow revenues through programs as well. Some 21 percent of the carriers surveyed plan to grow their program business book by acquiring program administrators.

Data and Predictive Modeling

The study reports that data collection and analysis continue to garner increasing interest among program administrators. Some 37 percent of

the program administrators responding to the survey reported engaging in predictive modeling in 2016, which is up from only 26 percent in 2014. Only 26 percent of administrators polled see predictive modeling as extremely important to their underwriting strategy. Some 31 percent of those polled said they saw a positive change in program profitability when asked about the impact of predictive models.

Cyber

Take-up rates for cyber coverage remain relatively low in the program business sector. However, 42 percent of program administrators reported now offering cyber coverage. Of those responding to the sur-

vey, 14.7 percent offer cyber in base coverage, while 28 percent offered cyber as an optional endorsement.

‘Despite facing challenges ... players in the program administration industry continued to report strong growth.’ Some 75 percent of the carriers surveyed offer their program administrators optional cyber cover to add to their program packages for a charge. “Offering adequate coverage to mitigate potential cyber losses is a growing challenge among administrators,” the study said.

Apart from cyber, the industry is also studying other emerging areas including drones, autonomous vehicles, and cannabis.

About the Study

The 2017 study is the sixth in a series of annual surveys of program administrators and carriers to track trends in the program business. The study was sponsored by Allied World, Ironshore, NetRate Systems and Allianz, and analyzed by the research firm Advisen. More than 200 program administrators and program carriers participated. Additional analysis was drawn from the Advisen databases of retail and wholesale brokers, underwriters and managing general agents.

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NATIONAL | News & Markets

Drug Repackagers, Compounding Pharmacies Continue to Stress Workers’ Comp Systems By Denise Johnson

lthough the number of physician dispensed prescriptions declined considerably from just a few years ago, the workers’ compensation industry continues to battle an adapting market seeking to maintain high prices by changing drug strength and formulations. The effect of physician dispensed pharmaceuticals and drug compounding on workers’ compensation systems nationwide was highlighted recently during a session hosted by the National Conference of Insurance Legislators’ Workers’ Compensation Insurance Committee at its annual meeting held in Phoenix. According to Kathy Fisher, assistant director of external engagement at the Workers' Compensation Research Institute (WCRI), a 2017 study examining physician dispensing across 26 states revealed that both prescribing frequency and pricing decreased in all the states with reforms and even some without reforms. The study examined 2011-2014 data, an important time frame during which reforms were instituted in several states. Twenty-two states have reforms in place. Fisher outlined the two types of reforms instituted:

• Price-focused reforms – For high price, repackaged drugs, caps instituted at the wholesale price. • Limiting reforms – Institutes restrictions to a certain type of drug or for a certain time period. According to Fisher, the study examined prices, frequency of prescribing and cost share, relative to all prescription drug costs to uncover trends. It compared data between reform and non-reform states, as well.

Some findings:

• In Florida, the number of prescriptions of Ibuprofen/Naproxen increased due to the introduction of a new product. • Prices were static or increased in non or pre-reform states. • In all post-reform states, there was a reduction in physician dispensing. For example, in South Carolina, there was a 63 percent reduction. In Tennessee and Indiana, physician dispensing went down by 23 percent. Fisher said there was a significant decrease in cost share of physician dispensed drugs to all prescription drugs in many reform states.

20 | INSURANCE JOURNAL | NATIONAL DECEMBER 4, 2017

The states with the most physician dispensed drugs — California, Florida and Illinois — saw a significant increase in new drug strengths and formulations of certain existing drugs, Fisher said. This offset any other decreases. In these states, 54 percent to 64 percent of all total prescription payments were to physician dispensers. While many of the reforms were aimed at highpriced, repackaged drugs, it’s likely that costs didn’t go down in these states, Fisher said, because manufacturers came up with new formulations and drug strengths. Some examples of new drug strengths or formulations: • 7.5 mg cyclobenzaprine HCL (Flexeril) • 150 mg extended release Tramadol HCL (Ultram) • 2.5-325 mg Hydrocodone- Acetaminophen (Vicodin) (2.5 -Lowest dose, highest cost) • Lidocaine-menthol (new formulation of a pain patch). The changes in drug strength and formulations reveal just how adaptable the supply chain is, said Joseph Paduda, principal of Health Strategy Associates. The only solution, he said is to cut off repackaging. The manufacturer can set whatever price it wants, he added, noting “the only reason they do that is to make money.” In states with limiting reforms, Fisher said there was a 12 percent decrease in opioid physician-dispensed drugs in Kentucky, with similar decreases noted in Indiana and Tennessee. Because opioid prescriptions dropped INSURANCEJOURNAL.COM

dramatically after the reforms, Paduda said the narcotics should have never been considered. “What that said to me is they should have never been prescribed in the first place,” said Paduda, a firm supporter of allowing employers the ability to direct injured workers to a specific network of pharmacies to combat physician dispensing and drug compounding issues. Texas House Member Tom Oliverson, an anesthesiologist, commented that the problem is systematic and widespread, and much bigger than a bunch of greedy physicians. He said that because quality of care is measured based on lowering pain, work needs to be done to change that philosophy within the entire healthcare system. “Bad policy is what started all of this,” Oliverson said. Paduda focused on drug compounding. He noted that while physician dispensing and compounding are different issues, they are both driven by the same financial motivation. He explained that drug compounding is the preparation, mixing, assembling, packaging or labeling of a drug. There are valid reasons for using compounding drugs — patients that may be allergic to a binder in standard medication, patients with swallowing issues and children who may require a smaller dose. According to Paduda, compounded drugs account for less than 1 percent of prescriptions in the country. Although valid reasons may exist for their use, there is currently little testing or oversight of compounded drugs. Workers’ compensation systems are seeing a rise in dermal absorption compounded drugs, something Paduda said is potentially dangerous and likely ineffective. He has seen prices range between $300 to $21,000 for compounded medication. Many states have no control over price or the number of scripts, he added. To get around bans and restrictions, compounding kits are being created for physicians to mix and dispense topical medication to patients. Some possible solutions, he said, include placing reimbursement limits per script

eping You

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or per ingredient, capping the number of ingredients or the total cost per script. Other ideas include allowing employers a retrospective review, with the option to deny coverage for a medication, allowing preauthorization subject to certain require-

ments and allowing employers the ability to direct injured workers to a network of Share this article specified pharmacies.

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Idea Exchange

Active Shooter Risks

Why Insurance Providers and Security Professionals Should Work Together to Combat Active Shooter Risks

By James Cameron

ith today’s mounting tragic events, it’s more important than ever for businesses to protect themselves, their employees and their customers. According to the Fatal Occupational Injuries report conducted by the Bureau of Labor Statistics, there has been a reported 43 percent increase in homicides in the workplace. On average, about 46 percent of all homicides in the

workplace occur due to shooting deaths. The most recent FBI study (www.fbi. gov/news/stories/fbi-releases-study-on-active-shooter-incidents), shows 160 active shooter situations in the United States between the years of 2000-2013. Those active shooter situations have resulted in 486 deaths and 557 injured. These numbers will increase since this report does not include recent events such as San Bernardino, Pulse Night Club, Las Vegas and Texas. The number of shooting events, those killed and those injured has steadily increased from 2014-2017, according to the website ShootingTracker.com. Since 2014 through October 7, 2017, there have been a total of 1,242 shootings resulting in 1,436 deaths and another 5,570 injured. Current year-to-date totals through Oct. 7, 2017, reveals 250 shooting events resulting in 347 deaths and 1,597 injured. Confirmed acts of terrorism are also on the rise, according to the Johnson Archive. From 2014 through Oct. 7, 2017, there have

been 39 events resulting in 205 deaths and 792 injured. There have been seven confirmed terrorist attack incidents as of Oct. 7, 2017, leading to 69 deaths and 585 injured. While many businesses are concerned about violent acts at the workplace, many believe they are not properly prepared for an active shooter situation, according to a 2016 survey by Everbridge, a global software company that provides software applications to automate and accelerate an organization’s operational response to critical events, and Emergency Management and Safety Solutions, a provider of professional consulting services in the area of incident management. The survey was given to 888 organizations, of which 58 percent had more than 500 employees and 44 percent had more than 1,000 employees. There are a number of threats that organizations prepare for, according to the survey. The top five threats that organizations face are, in order: 1. Active Shooter 2. Natural Disasters 3. Workplace Violence 4. Cybercrime 5. Terrorism. Despite active shooter, workplace violence and terrorism ranking in the top five, 79 percent of those surveyed stated that they are, at best, somewhat prepared. Only 7 percent stated they were very much prepared and 20 percent said they were not prepared at all.

Minimize Exposures

Annually, more than two million U.S. workers report being victims of workplace violence. This comes at the estimated cost of $120 billion a year, according to 2014 estimates by the National Institute for Occupational Safety and Health. So, why 22 | INSURANCE JOURNAL | NATIONAL DECEMBER 4, 2017

INSURANCEJOURNAL.COM

are organizations not doing more to minimize this exposure for their business, their employees and their clients? In my opinion, the main reason stems from the belief that organizations just don’t have to. In my experience, organizations assume that insurance will cover any costs associated with these types of tragic events. I have also recognized that there is a critical disconnect among insurance companies and security professionals. Security professionals could help advise insurance companies on what mitigating factors should be established to minimize exposures to loss. There is a strong relationship between the Society of Human Resource Management (SHRM) and the American Society of Industrial Security (ASIS) regarding recommendations for policies on all issues as they relate to human resources and security. However, what appears to be missing, even within organizations such as the Risk Management Society (RIMS) is informing and relaying how those recommendations can help the insurance providers. Before active shooter or terrorism policies are issued, there are mandatory questions that need to be asked. These questions should not result in a simple yes or no answer. However once questions are asked, those seeking coverage should be

something, say something” in place? • Do they have a business continuity plan? • What type of access control measures do they utilize? • Do they have a training program for their staff on company policy and procedures and is it documented?

required to provide documentation as proof to support their answer. While insurance underwriters may not know how to fully examine the requested documents, a qualified security professional will. There are certain policies and procedures an organization should have in place which address and mitigate the potential for loss. Some of those policies and procedures that should be verified include, but are not limited to, the following: • • • • • •

Do they have a workplace violence program and is it up to date? What is their hiring process? Do they conduct background checks? What is their termination process? Do they have a hostile termination policy and procedure? Do they have a crisis management plan and is it current? Do they have a reporting process for “see

• •

Do they utilize any form of security in-house or is it contracted? What is the standard operating procedure for the security?

Most active shooter and workplace violence incidents occur because organizations fail to have or adhere to one or more of these policies. Being able to answer and validate these questions can potentially lead to reducing risk exposure. There is also a list of security specific questions that should be asked of any organization that has security officers on site. Those questions would include, but are not limited to, the following:

continued on page 24

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Idea Exchange

Active Shooter Risks

continued from page 23

• Are the guards armed or unarmed? • What are the rules of engagement (ROE)? • If they are armed guards, are the hiring clients aware of the ROE? • Are there specific post-orders given to each location they provide security for? • Have the guards been trained on situation de-escalation? • Are the guards instructed to “observe and report” only and if so, are the clients aware of the guard’s response responsibilities? • What types of weapons and retention holsters are being utilized? • Have they been trained on handcuffing?

• • • • • •

employees performed within the course of their employment. This rule is also called the master-servant rule, recognized in both common law and civil law jurisdictions; Wrongful death; Loss of parental consortium - the law that refers to the deprivation of the benefits of a family relationship due to injuries caused by another; Premise liability; Voluntary assumption of duty to protect; Pain and suffering; Emotional suffering.

These losses can and have cost insurers tens of millions of dollars in court awarded compensation. One such case is Beneke v. Accent Signage Sys., No. 27 MCV-13-2275 (Min. 4 D.C. 2013). This was an active shooter and workplace violence case where Accent Signage was sued by the surving members of an individual who was killed in the workplace. It was found that the company knew the shooter posed a threat, and they were warned ample times that he was unstable. The company had no security cameras, no security guards and clearly no program in place to address this type of situation. The day the shooter was to be terminated, the company took no precautions. The shooter was informed that he was to be terminated, but then left unsupervised. During that time, the terminated employee retrieved a weapon from his vehicle. This case settled for an undisclosed amount of money. However, estimates claim that the settlement was close to seven figures. Another example is a case against U.S. Security Associates, a security firm hired by Kraft Foods Inc. In this situation, a Kraft employee was suspended for causing a “fracas.” Security was instructed to escort the employee off the premises, which they did not do. Instead, security only escorted the employee to the gate. This employee then went to her vehicle, retrieved a

By not ensuring these types of questions are answered and verified, organizations are open to legal exposure which ultimately is paid for by insurance. The goal is to diminish as much liability as possible thus reducing financial losses. By being proactive and having updated policies, procedures and training in place, the potential award amounts could be greatly reduced. Legal exposures, in general, fall within the charges of: • Violation of OSHA's general duty clause; • Negligence or often gross negligence; • Respondent superior - circumstances when an employer is liable for the acts of 24 | INSURANCE JOURNAL | NATIONAL DECEMBER 4, 2017

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Recent Awards on Active Shooter Incidents Navy Yard (Sept. 16, 2013)

$25 MILLION to victims and families

Bellevue Munchbar

(Dec. 24, 2012) $3.7 MILLION to the deceased $520,000 for the injured

Newton - Sandy Hook Elementary (Dec. 14, 2012)

$1.5 MILLION to victims and families from the attacker's estate $11 MILLION still pending against the state

Chardon High School

(Feb. 27, 2012) $2.7 MILLION to victims and families

Critical areas that they can immediately assist with include: • • • • • •

Assist insurers with developing new emerging business opportunities such as “active shooter” and “terrorism” policies. Help understand your current client portfolio and assign levels of risk such as high, medium and low, and develop a list of required action items for each. Assist insurers in understanding what organizations should be doing to mitigate their risk and exposure. Make recommendations on policy, procedures and programs organizations should be developing, implementing, improving and maintaining. Security professionals should also be used to audit current insureds’ programs, policies and procedures. Lastly, security professionals can conduct training for the insured.

Working with security professionals or risk managers to help insurance companies understand the gaps in a client’s security processes is not only critical to save employee lives. But better collaboration between both industries will help to reduce the potential for legal liability in the future, while also helping to reduce the chances of an incident ever occurring.

Share this article with a colleague. IJMAG.COM/124AS Cameron is the founder and owner of Security Concepts Group based in Las Vegas, Nev. He is an American Society for Industrial Security (ASIS) Board Certified Protection Professional and has over 15 years of international experience in both the security industry and the corporate sector. Security Concepts Group offers a wide range of security services, including an Active Shooter/Workplace Violence Preparedness Program. Email: jcameron@scg-lv.com. Website: www.scg-lv.com.

Kraft Foods Inc. (Sept. 9, 2010) $40 MILLION to victims and families

Fort Hood

(Nov. 5, 2009) $25 MILLION to victims and families

Virginia Tech

(April 16, 2007) $11 MILLION to victims and families gun and drove to the gate and demanded entrance. Upon gaining access, the employee went to the break room and shot three co-workers, killing two people. The security guards witnessed the incident, ran away and failed to warn others despite a duty to do so. In this instance, U.S. Security Associates was ordered to pay $38.5 million in punitive damages and another $8 million in compensatory damages. The appeal of the judgement was dismissed in 2016 and the award stands. Masciantonio v. United States Sec. Assocs., (Pa. 1 D. 2016). See Also Wilson v. United States Sec. Assocs., (Pa. 1 D. 2016). What steps can your clients take and how can security professionals and risk managers help? As insurance providers, there should be a developed partnership, with verifiable, security professionals. INSURANCEJOURNAL.COM

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NATIONAL | MyNewMarkets

Special Events Liability & Events Cancellation Insurance

Market Detail: Midlands Management Corp.’s (www. midlandsmgt.com) program highlights include: limits from $100,000 per occurrence/$200,000 aggregate up to $1 million per occurrence/$2 million aggregate; facility as additional insured at no extra cost; liquor liability also available with limits up to: $1 million/$1 million; spectator liability endorsement; event cancellation coverage; weather coverage; large excess limits available; commercial property, inland marine, hired and non-owned auto coverage available; short-term or annual policy; hundreds of classes eligible; fast quote and policy turnaround. Available classes include: wedding receptions; banquets; auctions; fairs; golf tournaments; inflatable/moon walks; sporting events; recitals; educational seminars; public lectures; races (bike, run, walk); boat shows; festivals; rodeos; parades; tractor pulls; fundraising events; haunted houses; garden tours; animal shows; circuses; carnivals; fireworks; gun shows; trade

shows; political meetings/ conventions; religious meetings/conventions; art exhibitions; boat shows; booths at fairs/shows; theatre; amusement rides; animal rides; arts/ craft shows; Christmas tree sales; dog races; horse races; fashion shows; refreshment stands; senior events/ functions; street/block parties; hobby shows, and many more. Available limits: As needed Carrier: Unable to disclose, admitted and nonadmitted available States: All states Contact: Mandee Wilson at mwilson@midman.com

Food Banks, Thrift Stores and Soup Kitchens

Market Detail: Pennock Insurance (www.pennockins. com) can write nonprofit organizations in an all-in-one package product covering all of their specific insurance needs. A package can include the following coverages: general liability, property, directors & officers, and employment practices liability. Key coverage features include: general liability with no designated premises limitation; general lia-

26 | INSURANCE JOURNAL | NATIONAL DECEMBER 4, 2017

bility with zero-dollar deductible; volunteers included as additional insureds; property offered on special cause of loss and replacement cost; lifetime occurrence reporting provision for former D&O; and unlimited defense cost outside the limits. Available limits: As needed Carrier: Unable to disclose, nonadmitted States: D.C., Dela., Md., N.J., Pa., and Va. Contact: Edwin Minner at 800662-5182, ext. 1246 or email: eminner@pennockins.com

Environmental Risks

Market Detail: James River Insurance Co. (www. jamesriverins.com) offers primary and excess coverage in a flexible package product that brings together casualty and professional coverages for environmental clients. Easy-to-read forms, a single declarations page and common conditions are available. Coverages available (individually or in combination with any other) include: general liability (ISO 12/07) – Coverage Part A (Occ. or CM; in the environmental division, general liability coverage that excludes the purchase of pollution coverage will not be con-

sidered); contractors pollution liability – Coverage Part B (Occ. or CM); professional liability –Coverage Part C (CM); site pollution liability – Coverage Part D (CM); products pollution liability –Coverage Part E (CM). Excess coverage includes an excess follow form; Underlying carrier A.M. Best Co. rating required: A- VI or higher. Target risk overview includes: Environmental and heavy commercial contractors, and project management for emergency response, remediation contractors, industrial plant repair and maintenance, mold, asbestos and lead abatement, tank installation and removal, brownfield redevelopment, large construction, excavation and demolition contractors, waste treatment facility repair and maintenance. Professional liability is available for: environmental consultants, testing facilities, analytical labs, health and safety training. Site specific coverage is available for water treatment facilities, property owners, brownfield redevelopment projects, real estate transactions, and manufacturers. Products pollution is available for manufacturers and distributors. Available limits: As needed Carrier: James River States: All states Contact: 804-289-2700

This section brought to you by Insurance Journal’s sister website: www.mynewmarkets.com

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Welcome to Insurance Journal’s 2017 Program Directory, Volume II. Information contained in this directory has been compiled by Insurance Journal’s staff as a resource for readers. For purposes of this directory, a program is defined as “a group of coverages designed specifically for any given risk or class of business.” IJ’s Program Directory, as well as IJ’s E&S Directory and Workers’ Comp Directory, are also available online. Brokers and insurance companies are invited to submit and maintain up to 10 free market listings for the Program Directory. Brokers and insurers continually update market listings year-round. Insurance Journal is not responsible for inaccurate information submitted by respondents. To list a market online free of charge, visit: www.insurancejournal.com/directories. Step-by-step instructions guide users through the listing process. To be listed in the print version of IJ’s Program Directory, please send an e-mail to: khoney@insurancejournal.com

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5Star D&O Program

Above & Underground Storage Tank Owners AAU, A division of USG Insurance Services

Coverages Business Interruption, Environmental Liab, MEDEFENSE, Physical Damage, Pollution Liab, Property, Transportation Pollution Liab Carrier Status Admitted, Non-admitted States All States

AmWINS Program Underwriters

Coverages D&O, E&O, EPLI, Fiduciary Liab Carrier Status Non-admitted States All States

5Star Workers’ Compensation Services

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

All Risks Ltd.

Coverages Cyber Liab, EPLI, Professional Liab Carrier Status Admitted States All States except AK, HI, MT, VT, WY

Beacon Hill Associates Inc.

Herbert H. Landy Insurance

Berkley Specialty Underwriting Mgrs - Environmental Div Coverages Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Blanket Addt’l Insureds, Blanket Waivers, CGL, Commercial Excess, Employee Benefits, Environmental Liab, GL, Int’l Coverage Commercial, Pollution Liab, Professional Liab, Railroad Protective Liab, Transportation Pollution Liab, Umbrella, Uninsured Motorists, Uninsured Personal Injury, Workers' Comp - Master Policies/ASO, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Environmental Insurance Agency (EIA)

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

Freberg Environmental Inc.

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

Intercorp Inc.

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

New Empire Group

Coverages Environmental Liab, Pollution States All States

Prime Insurance Company

Target Managers Insurance Services

Coverages Auto Comm-Standard, CGL, Environmental Liab, Pollution Liab, Property, Truck Auto Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Virtue Risk Partners LLC

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

www.insurancejournal.com INSURANCEJOURNAL.COM

Negley Associates

NIF Group Inc.

CAMICO

CPA Protector Plan

Coverages Abuse & Molestation, Addiction Treatment, Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Community/Social Svcs, Crime, D&O, Developmental Disabilities, Excess Liab, GL, Inland Marine, Medical & Physical Rehab, Mental Health Care, Non-Profit D&O, Professional Liability, Property, Umbrella Carrier Status Admitted, Non-admitted States All States Coverages CGL, Professional Liability Carrier Status Non-admitted States All States

Coverages Misc Professional Liab, Professional Liab Carrier Status Admitted States Most States

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

Irwin Siegel Agency Inc.

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

Monitor Liability Managers

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

Norman-Spencer International Inc.

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

Coverages Abuse & Molestation, Addiction Treatment, Auto Comm-Standard, Boiler & Machinery, Business Income, Business Interruption, EPLI, Fiduciary Liab, Fire Legal Liab, Inland Marine, Liability, Medical & Physical Rehab, Medical Malpractice, Medical Payments, Mental Health Care, Products Liab, Professional Liab, Umbrella Carrier Status Admitted, Non-admitted States All States except HI, LA

Philadelphia Insurance Companies

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

Prime Insurance Company

Philadelphia Insurance Companies

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

Professional Ins. Concepts (fka Crump Prof. Concepts)

Quaker Special Risk (Florida)

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

Target Professional Programs

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

Addiction Treatment Facilities AFC Insurance

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

Quaker Special Risk (Mass.)

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

Quaker Special Risk (New Jersey & New York)

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

Administrative Service Org’s

Coverages Abuse & Molestation, Blanket Addt’l Insureds, Boiler & Machinery, Business Interruption, CGL, COC, Community/Social Svcs, D&O, Developmental Disabilities, Employee Benefits, Inland Marine, Misc Professional Liab, Professional Liab, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except AK, HI

Prime Insurance Company

DECEMBER 4, 4, 2017 2017 INSURANCE INSURANCE JOURNAL JOURNAL || NATIONAL NATIONAL || 27 27 DECEMBER

2017 Annual Program Directory, Volume II World Wide Specialty Programs Inc.

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

Adoption Agencies AFC Insurance

Coverages Abuse & Molestation, Accident & Health, Auto Comm-Standard, Professional Liab, Property, Umbrella Carrier Status Non-admitted States All States

Philadelphia Insurance Companies

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

Prime Insurance Company

RPS PNP

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

Prime Insurance Company

Program Brokerage Corporation

Safehold Special Risk

Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States All States Coverages Abuse & Molestation, Auto Comm-Standard Liability, Boiler & Machinery, Crime, Cyber Liab, D&O, Employee Benefits, Environmental Liab, Pollution, Pollution Liab, Workers’ Comp Carrier Status Admitted States All States

Sapphire Blue

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

Adult Clubs Alamo Surety Bonds

Coverages Fidelity Bonds, Surety Bonds Carrier Status Admitted States AL, AZ, CO, FL, GA, IN, KS, LA, MO, MS, NC, NV, SD, TX

AmWINS Group Inc. - 100 Locations Worldwide

Coverages Excess Liab, GL, Hired & Non-owned Auto, Liquor Liab, Umbrella Carrier Status Admitted, Non-admitted States All States

MAXIMUM

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

Prime Insurance Company

5Star Paratransit Program

All Risks Ltd.

Abram Interstate Insurance Services Inc.

Adult Care Facilities Coverages Auto Comm-Standard Liability & Physical Damage, EPLI, Excess Liab, Umbrella, Uninsured Boaters Carrier Status Admitted States Most States Coverages Excess Liab, GL, Professional Liab, Property, Workers’ Comp Carrier Status Non-admitted States Most States

AmWINS Group Inc. - 100 Locations Worldwide

Coverages Abuse & Molestation, GL, Professional Liab, Umbrella Carrier Status Non-admitted States All States

Anderson & Murison Inc.

Coverages Abuse & Molestation, CGL, Professional Liab, Property Carrier Status Non-admitted States CA

Agribusinesses

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

Philadelphia Insurance Companies

Coverages Abuse & Molestation, Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, Food Spoilage, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Legal Expense Ins, Non-Trucking Auto Liab, Professional Liab, Property, Real & Business Personal Prop, Sexual Misconduct, Umbrella, Uninsured Motorists Carrier Status Admitted, Non-admitted States All States except LA

Wildlife Insurance Underwriters LLC

Coverages Builders Risk, CGL, Commercial Marine, Fire, Flood, GL, Liability, Livestock/Animal Mortality, Medical, Mortality, Property Carrier Status Non-admitted States All States

Aircraft Manufacturers ABC Aviation Program

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

Prime Insurance Company

Aircraft Repair/Service

Wildlife Insurance Underwriters LLC

AmWINS Program Underwriters

Nonprofits Insurance Alliance Group

Coverages Auto Comm-Nonstandard, Auto Comm-Standard, Equipment, GL, Property Carrier Status Admitted, Non-admitted States AR, AZ, CA, CO, KS, LA, MO, MS, NC, NM, NV, OH, SD, TN, TX, WA

Allen Financial Ins. Group / The Equestrian Group

CRC Insurance Services - All Offices

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

Tejas American General Agency

Prime Insurance Company

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

AmWINS Group Inc. - 100 Locations Worldwide

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

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

Agricultural Insurance Mgmt Services

Charity First Insurance Services Inc.

Burns & Wilcox - All Offices

Sierra Specialty

ABC Aviation Program

Coverages CGL, Excess Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States except AK, DC, HI

Coverages Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, GL, Medical Payments, Uninsured Motorists Carrier Status Admitted States All States

Coverages Business Income, Business Interruption, Catastrophe, Commercial Excess, Crime, E&O, Environmental Liab, EPLI, Equipment, Equipment Breakdown, Excess Liab, GL, Hail, Inland Marine, Liability, Mechanical Breakdown, Motor Truck Cargo, Pollution, Pollution Liab, Property, Theft, Tools & Equip, Umbrella, Workers’ Comp Carrier Status Admitted States All States

Coverages Care/Custody/Control, Horse Mortality, Medical, Tools & Equip, Trade Shows & Festivals, Umbrella Carrier Status Admitted, Non-admitted States AZ, CA, CO, ID, MT, NM, NV, OR, UT, WA, WY

Coverages Auto Comm-Standard, BOP, Business Interruption, COC, Commercial Excess, Container Refrigeration Break, Crime, D&O, E&O, Earthquake, Equipment Breakdown, Excess Liab, Fire, Flood, Food Spoilage, GL, Hail, Herbicide & Pesticide, Horse Mortality, Inland Marine, Liability, Livestock/Animal Mortality, Motor Truck Cargo, Personal Umbrella, Pollution Liab, Products Liab, Property, Spoilage, Umbrella, Watercraft Liab Carrier Status Admitted, Non-admitted States All States except AL, DC, HI

Atlas Financial Holdings - View Co. Info on Page 76

Coverages Pollution Liab, Property, Transportation Pollution Liab Carrier Status Admitted, Non-admitted States All States Coverages Auto Comm-Standard, Business Income, Crime, Employee Benefits, Equipment Breakdown, Inland Marine, Pollution, Property, Umbrella Carrier Status Admitted States All States except ID, NE

Applied Underwriters Inc.

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

Atlas General Insurance Services

Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States except MS, MO, NY, TX

Equisure Inc.

Coverages Care/Custody/Control, CGL, Professional Liab Carrier Status Admitted, Non-admitted States All States

Intercorp Inc.

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

Mark D. Fredricksen Insurance Services

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

28 | INSURANCE JOURNAL | NATIONAL DECEMBER 4, 2017

Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Business Interruption, Crime, Cyber Liab, Legal Liab, Property Carrier Status Admitted States All States Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States All States Coverages Accident & Health, Accidental Death, Auto Pers-Standard, Flood, GL, Hull, Liability, Medical, Property Carrier Status Non-admitted States All States

Airport Owners & Operators ABC Aviation Program

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

Prime Insurance Company

Alarm Monitoring Companies All Risks Ltd.

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

Arrowhead General Insurance Agency Inc.

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

Brownyard Group

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

Brownyard Programs Ltd.

Coverages Assault & Battery, Blanket Addt’l Insureds, Care/ Custody/Control, CGL, Excess Liab, Lost Key, Professional Liab, Umbrella, Workers’ Comp Carrier Status Non-admitted States All States

INSURANCEJOURNAL.COM

2017 Annual Program Directory, Volume II Izzo Insurance Services Inc.

Coverages Auto Comm-Standard, BOP, CGL, Crime, EPLI, Fidelity Bonds, Inland Marine, Performance & Payment Bonds, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Philadelphia Insurance Companies

Prime Insurance Company

Alcohol & Substance Abuse Treatment Centers AFC Insurance

Gateway Specialty Insurance

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

Irwin Siegel Agency Inc.

Coverages Abuse & Molestation, Addiction Treatment, Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Community/Social Svcs, Crime, D&O, Excess Liab, GL, Inland Marine, Non-Profit D&O, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States

Markel Specialty

Coverages Abuse & Molestation, Accident & Health, Auto Comm-Standard, Crime, Equipment Breakdown, GL, Inland Marine, Kidnap/Ransom, Professional Liab, Property, Umbrella Carrier Status Admitted States All except DC, HI

Negley Associates

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

NIF Group Inc.

Coverages Abuse & Molestation, Addiction Treatment, Auto Comm-Nonstandard, Boiler & Machinery, Business Income, Business Interruption, Commercial Excess, Community/ Social Svcs, Crime, D&O, Developmental Disabilities, E&O, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, Inland Marine, Liability, Medical & Physical Rehab, Medical Malpractice, Mental Health Care, Professional Liab, Umbrella Carrier Status Admitted, Non-admitted States All States except AL, HI, LA, MS

Nonprofits Insurance Alliance Group

RPS PNP

Smith, Bell & Thompson Inc.

Coverages Auto Comm-Standard Liability, Business Interruption, CGL, Crime, Employee Benefits, Equipment Breakdown, Inland Marine, Professional Liab, Property, Sexual Misconduct, Umbrella Carrier Status Admitted, Non-admitted States All States except AK, HI

Allied Healthcare Professionals Coverages Abuse & Molestation, Cyber Liab, GL, Medical Malpractice Carrier Status Non-admitted States All States

Monitor Liability Managers

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

Patriot Underwriters Inc.

Coverages Excess Liab, Umbrella, Workers’ Comp Carrier Status Admitted States All States except ND, OH, WA, WY

Pioneer Underwriters

INSURANCEJOURNAL.COM

Sports & Fitness Insurance Corporation (SFIC)

Coverages Accident & Health, Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, BOP, CGL, Employee Benefits, Flood, GL Carrier Status Admitted, Non-admitted States All States Coverages Abuse & Molestation, Accident & Health, Blanket Addt’l Insureds, Blanket Waivers, CGL, Event Cancellation, GL, Hired & Non-owned Auto, Hole-in-One, Liability, Liquor Liab, Medical Payments, Participant Accident, Personal Liab, Sexual Misconduct, Student Accident, Trade Shows & Festivals, Weather, Wind Carrier Status Non-admitted States All States

Ambulance Service

All Risks Ltd.

Professional Program Insurance Brokerage

Arrowhead General Insurance Agency Inc.

Coverages Abuse & Molestation, BOP, GL, Liability, Personal Property, Professional Liab Carrier Status Non-admitted States All States

Promont Advisors LLC

Coverages CGL, Commercial Excess, Crime, E&O, Employee Benefits, EPLI, Equipment Breakdown, Fire Legal Liab, Professional Liab, Property Carrier Status Non-admitted States All States

RPS Healthcare

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

Sapphire Blue

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

USX/S

Coverages Abuse & Molestation, Breach of Security, CGL, Community/Social Svcs, Cyber Liab, D&O, E&O, EPLI, GL, Identity Theft, Liability, Managed Care, MEDEFENSE, MEDEFENSE Plus, Medical, Medical & Physical Rehab, Medical Malpractice, Medical Professional, Medicare/ Medicaid Billing E&O, Mental Health Care, Professional Liab, Property, Sexual Misconduct, Technology E&O States All States

Amateur Sports Associations All Risks Ltd.

Coverages Accidental Death, Catastrophe, GL, Legal Liab, Medical Carrier Status Non-admitted States All States

Coverages Abuse & Molestation, CGL, Crime, Excess Liab, Inland Marine, Participant Accident, Property Carrier Status Admitted States All States

Prime Insurance Company

Coverages Accident & Health, Liability Carrier Status Admitted States All States

Coverages Auto Comm-Standard Liability & Physical Damage, Medical Payments, Uninsured Motorists Carrier Status Non-admitted States DE, MD, NC, PA, VA

NSM Insurance Group

Coverages Abuse & Molestation, Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, Food Spoilage, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Legal Expense Ins, Professional Liab, Property, Real & Business Personal Prop, Sexual Misconduct, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA

Special Markets Ins. Consultants, An AmWINS Group

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

Great American Ins. Group - Executive Liability Division

Philadelphia Insurance Companies

Coverages Business Income, Crime, Equipment Breakdown, Event Cancellation, Excess Liab, GL, Liability, Liquor Liab, Participant Accident, Property, Workers’ Comp Carrier Status Admitted States All States

www.insurancehelper.com

Allied Protector Plan

Coverages Abuse & Molestation, Auto Comm-Standard, Auto Pers-Standard Phys Dmg, Blanket Addt’l Insureds, Business Income, Business Interruption, CGL, Community/ Social Svcs, Crime, Developmental Disabilities, EPLI, Fiduciary Liab, Fire Legal Liab, Hired & Non-owned Auto, Inland Marine, Liquor Liability, Mechanical Breakdown, Misc Professional Liability, Non-Profit D&O, Sexual Misconduct, Umbrella, Uninsured Motorists Carrier Status Non-admitted States Most States Coverages Abuse & Molestation, Addiction Treatment, Auto Comm-Standard, Business Income, Business Interruption, Community/Social Svcs, Cyber Liab, D&O, E&O, Earthquake, EPLI, Event Cancellation, GL, Hired & Non-owned Auto, Identity Theft, Liability, Medical Malpractice, Mental Health Care, Non-Profit D&O, Professional Liab, Property, Sexual Misconduct, Student Accident, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Safehold Special Risk

Coverages Community/Social Svcs, D&O, EPLI, Excess Liab, Fiduciary Liab Carrier Status Admitted States All States

JD Fulwiler & Company Insurance

Coverages Abuse & Molestation, Auto Comm-Standard, CGL, D&O, EPLI, Umbrella Carrier Status Admitted, Non-admitted States All States except WY

K&K Insurance Group Inc.

Markel Specialty

Coverages Abuse & Molestation, Accident & Health, Auto Comm-Standard, Crime, D&O, Equipment, Equipment Breakdown, Inland Marine, Participant Accident, Property, Umbrella Carrier Status Admitted States All States except DC, HI

Philadelphia Insurance Companies

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

RPS Bollinger Sports & Leisure

Coverages Accident & Health, CGL, Excess Liab Carrier Status Admitted States All States

Coverages Abuse & Molestation, Auto Comm-Standard Phys Dmg, Equipment Breakdown, Excess Liab, Garage Keepers Legal Liab, GKLL, GL, Inland Marine, Medical Malpractice, Medical Payments, Physical Damage, Professional Liab, Property, Umbrella, Uninsured Motorists Carrier Status Admitted States Most States

Markel Specialty

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

National Indemnity Company

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

Prime Insurance Company

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

Pro-Praxis Insurance

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

Amusement Parks All Risks Ltd.

Coverages Accident & Health, Accidental Death, Excess Liab, GL, Hired & Non-owned Auto, Inland Marine, Liquor Liab Carrier Status Admitted, Non-admitted States All States

Philadelphia Insurance Companies

Coverages Abuse & Molestation, Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Blanket Addt’l Insureds, Boiler & Machinery, Business Income & Interruption, CGL, Commercial Excess, Crime, D&O, EPLI, Equipment Breakdown, Inland Marine, Umbrella Carrier Status Admitted States All States except LA

Prime Insurance Company

T.H.E. Insurance Company

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

Antique/Classic Car Collections American Collectors Insurance Inc.

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

Hagerty Insurance

Coverages Emergency Towing & Service, Liability, Medical Payments, Physical Damage, Uninsured Motorists Carrier Status Admitted States All States

DECEMBER 4, 2017 INSURANCE JOURNAL | NATIONAL | 29

2017 Annual Program Directory, Volume II Insurance Center Special Risks Ltd.

Coverages Emergency Towing & Service, Liability, Medical Payments, Physical Damage, Uninsured Motorists Carrier Status Admitted States CT, MA, ME, NH, NY, PA, RI, VT

NSM Insurance Group

Coverages Auto Pers-Standard, Auto Pers-Standard Phys Dmg, Emergency Towing & Service, Identity Theft Carrier Status Admitted States All States except AK, HI

Griffin General Agency Inc.

The McGowan Companies

International Excess Companies

Unifax Insurance Systems Inc.

Coverages CGL, Property Carrier Status Non-admitted States TX Coverages Apartment House Package, Business Income, Business Interruption, CGL, Commercial Excess, EPLI, Excess Liab, Fire, GL, Inland Marine, Liability, Property, Tenant Discrimination, Umbrella Carrier Status Admitted, Non-admitted States All States

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

Western Security Surplus Insurance Brokers Inc.

Coverages Completed Operations Liab, Garage Liability, Inland Marine, Property, Umbrella Carrier Status Admitted States All States except LA

Lancer Indemnity Company

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

Prime Insurance Company

Logic Underwriters Inc.

5Star Workers’ Compensation Services

South & Western General Agency Inc.

Coverages Business Income, CGL, COC, Property Carrier Status Admitted, Non-admitted States AK, AZ, CA, HI, NV

Philadelphia Insurance Companies

Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States All States Coverages Auto Pers-Standard, Auto Pers-Standard Phys Dmg Carrier Status Admitted States AR, MS, NM, OK, TN, TX

Apartment Building Owners 5Star Workers’ Compensation Services

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

Advanced E&S Group - Midwest Region

Coverages Apartment House Package, Boiler & Machinery, Business Income, CGL, Excess Liab, Fire, GL, Property, Real & Business Personal Prop, Theft, Umbrella Carrier Status Admitted, Non-admitted States CT, FL, IA, IL, IN, KS, KY, MI, MN, MO, NE, NJ, NY, OH, PA, VA, WI

Advanced E&S Group - Southeast Region

Coverages Cyber Liab, Equipment Breakdown, Flood, Liability, Property, Umbrella Carrier Status Admitted, Non-admitted States All States

Coverages GL, Property Carrier Status Admitted States CT, NJ, NY, PA Coverages GL, Property Carrier Status Non-admitted States TX

M.J. Hall & Company Inc. MAXIMUM

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

MG Skinner & Associates

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

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

Herbert H. Landy Insurance

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

Intercorp Inc.

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

Target Professional Programs

Coverages E&O, Professional Liab States All States

Arborists/Tree Services Applied Underwriters Inc.

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

Architects & Engineers 5Star Workers’ Compensation Services

Monarch E&S Insurance Services

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

NeitClem Wholesale Insurance Brokerage Inc.

Access E&S Insurance Services (VA)

Coverages CGL, Equipment Breakdown, Excess Liab, Liability, Property, Real & Business Personal Prop, Umbrella Carrier Status Non-admitted States CT, MA, ME, NH, RI

New Empire Group

All Risks Ltd.

Allen Financial Ins. Group / The Equestrian Group

Philadelphia Insurance Companies

AFG Partners

Coverages Commercial Excess, Property, Residential Property Carrier Status Admitted, Non-admitted States All States

Agency Intermediaries Inc.

Coverages Apartment House Package, Boiler & Machinery, BOP, Business Income, CGL, Commercial Excess, Earthquake, Excess Liab, Flood, Mechanical Breakdown, Property Carrier Status Admitted States All States except AL, DC, FL, HI

Anderson & Murison Inc.

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

Apartment Insurance Consultants LLC

Coverages Equipment Breakdown, Excess Liab, Liability, Property Carrier Status Non-admitted States All States except OK

Appleby & Sterling

Coverages Boiler & Machinery, Earthquake, GL, Property Carrier Status Admitted States AZ, CA, NV

Burns & Wilcox - All Offices

Coverages CGL, Excess Liab, Inland Marine, Property, Umbrella Carrier Status Admitted, Non-admitted States All States except AK, DC, HI

CID Insurance Programs Inc.

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

Crouse & Associates

Coverages Difference in Conditions, Property Carrier Status Admitted States All States

Crusader Insurance Company

Coverages GL, Property Carrier Status Admitted States CA

Distinguished Programs

Coverages GL, Property Carrier Status Admitted States CA Coverages Apartment House Package, Difference in Conditions, Excess Liab, Fire, Flood, Liability, Loss of Use, Tenant Discrimination Carrier Status Admitted, Nonadmitted States AZ, CA, NV, TX Coverages Cyber Liab, Excess Liab, Pollution, Umbrella Carrier Status Admitted States All States Coverages Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Boiler & Machinery, Business Income, Care/Custody/Control, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Legal Expense Ins, Personal Property, Professional Liab, Protection & Indemnity, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA

Preferred Property Programs

Coverages Boiler & Machinery, Commercial Excess, Environmental Liab, Equipment Breakdown, Umbrella Carrier Status Admitted States All States

Prime Insurance Company

Program Brokerage Corporation

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

Southwest Risk

Coverages Builders Risk, CGL, Property, Umbrella Carrier Status Admitted, Non-admitted States All States

Sovereign Group Int’l Inc.

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

Specialty Programs & Facilities Mgrs Inc. (AmWINS)

Coverages Environmental Liab, Excess Liab, Liability, Professional Liab Carrier Status Admitted, Non-admitted States AR, DC, DE, GA, IL, MD, NC, NJ, NY, OH, PA, SC, TN, TX, VA Coverages Professional Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except AK, CT, HI, KS, LA, VT

Burns & Wilcox - All Offices

Coverages CGL, Environmental Liab, Excess Liab, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States except AK, DC, HI

Euclid Architects & Engineers

Coverages Cyber Liab, Excess Liab, Legal Liab, Professional Liab Carrier Status Admitted, Non-admitted States All States

Freberg Environmental Inc.

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

Intercorp Inc.

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

International Excess Companies

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

Logic Underwriters Inc.

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

NeitClem Wholesale Insurance Brokerage Inc.

Coverages Excess Liab, Professional Liab Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX

Professional Ins. Concepts (fka Crump Prof. Concepts) Coverages E&O, EPLI, Professional Liab Carrier Status Admitted States All States

Quaker Special Risk (Florida)

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

Coverages Environmental Liab, GL, Property, Umbrella Carrier Status Admitted, Non-admitted States AZ, CA, CO, NV, OR, UT, WA

Empire Underwriters LLC

SterlingRisk Programs

Quaker Special Risk (Mass.)

TAPCO Underwriters Inc.

Quaker Special Risk (New Jersey)

Coverages Addt'l Expense, All Risks/Cash in Transit, Assault & Battery, Auto Comm-Standard, BOP, Business Income, Care/Custody/Control, CGL, Commercial Excess, Crime, Cyber Liab, D&O, Environmental Liab, EPLI, Equipment Breakdown, Fire, Hail, Hired & Non-owned Auto, Inland Marine, Medical Payments, Personal Property, Property, Umbrella, Workers' Comp Carrier Status Admitted, Non-admitted States Most States

Coverages Excess Liab, Umbrella Carrier Status Admitted States All States Coverages Apartment House Package, Assault & Battery, Business Income, GL, Property Carrier Status Non-admitted States Most States

30 | INSURANCE JOURNAL | NATIONAL DECEMBER 4, 2017

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

INSURANCEJOURNAL.COM

2017 Annual Program Directory, Volume II Quaker Special Risk (New York)

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

RPS - Executive Lines Division

Coverages Crime, Cyber Liab, D&O, E&O, EPLI, Fidelity, Kidnap/Ransom Carrier Status Admitted, Non-admitted States All States

Southern Insurance Underwriters Inc. CMGA

Coverages Cyber Liab, E&O, Environmental Liab, Misc Professional Liab, Pollution Liab, Professional Liab, Technology E&O, Tenant Discrimination Carrier Status Non-admitted States Most States

Target Professional Programs

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

Tokio Marine/HCC

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

USX/S

Coverages Breach of Security, CGL, Cyber Liab, D&O, E&O, Environmental Liab, EPLI, GL, Identity Theft, Professional Liab Carrier Status Admitted, Non-admitted States All

Victor O. Schinnerer & Company

Coverages Auto Comm-Standard, BOP, D&O, E&O, EPLI, Fiduciary Liab, GL, Inland Marine, Kidnap/Ransom, Pollution, Professional Liab, Property, Workers’ Comp Carrier Status Admitted States All States

Evolution Insurance Brokers

Coverages Abuse & Molestation, D&O, Fire, Legal Liab, Liability, Professional Liab Carrier Status Non-admitted States Most States

Gridiron Insurance Underwriters Inc.

Coverages CGL, Excess Flood, Flood, Professional Liab, Property Carrier Status Non-admitted States AL, CA, CO, FL, GA, KY, LA, MI, MN, MO, MS, NC, NJ, NY, PA, SC, TN, TX

Patriot Underwriters Inc.

Coverages Excess Liab, Umbrella, Workers’ Comp Carrier Status Admitted States All States except ND, OH, WA, WY Coverages WC - Master Policies/ASO, Workers’ Comp, Workers’ Comp Plus (Alternative) States All States

Philadelphia Insurance Companies

Coverages Auto Comm-Standard, GL, Property, Umbrella Carrier Status Admitted States All States except LA

Prime Insurance Company

Promont Advisors LLC

Coverages CGL, Liability, Property Carrier Status Non-admitted States All States

RPS Healthcare

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

Brownyard Programs Ltd.

Sapphire Blue

Prime Insurance Company

The Mechanic Group Inc.

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

Art and/or Antique Gallery Markel Specialty

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

Asset Managers 5Star Workers’ Compensation Services

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

Assisted Living Centers 5Star Paratransit Program

Coverages Auto Pers-Standard, Auto Pers-Standard Phys Dmg, EPLI, Excess Liab, Umbrella, Uninsured Motorists Carrier Status Admitted, Non-admitted States Most States

All Risks Ltd.

Coverages Abuse & Molestation, Employee Benefits, GL, Hired & Non-owned Auto, Professional Liab, Property Carrier Status Non-admitted States All States except HI

AmWINS Group Inc. - 100 Locations Worldwide

Coverages Abuse & Molestation, GL, Professional Liab, Umbrella Carrier Status Non-admitted States All States

Bass Underwriters

Coverages GL, Professional Liab, Property Carrier Status Non-admitted States AL, AR, AZ, CA, CT, FL, GA, LA, MA, ME, MS, NC, NJ, NV, NY, OH, OK, OR, PA, RI, SC, TN, TX, VA

CRC Insurance Services - All Offices

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

Empire Underwriters LLC

Coverages Abuse & Molestation, Assault & Battery, Blanket Addt'l Insureds, Business Interruption, CGL, Commercial Excess, Commercial Marine, E&O, EPLI, Equipment, Equipment Breakdown, Fire, Hired & Non-owned Auto, Managed Care, Mental Health Care, Misc Professional Liab, Non-Profit D&O, Personal Property, Property, Workers' Comp Carrier Status Admitted, Non-admitted States Most States

INSURANCEJOURNAL.COM

Coverages Crime, Cyber Liab, D&O, E&O, EPLI, GL, Kidnap/Ransom, Legal Liab, Legal Malpractice, Liability, Professional Liab, Workers’ Comp Carrier Status Admitted States CA

Monitor Liability Managers

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

Number One Insurance Agency

Coverages Excess Liab, Professional Liab Carrier Status Admitted, Non-admitted States MA

Prime Insurance Company

PEO Brokers Group

Armored Car Services Coverages Assault & Battery, Blanket Addt’l Insureds, CGL, E&O, Excess Liab, Umbrella Carrier Status Non-admitted States All States

Gray-Stone & Co.

Synergy Professional Associates Inc.

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

Target Professional Programs

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

Auctioneers Intercorp Inc.

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

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

Tejas American General Agency

IT Risk Managers Inc.

Coverages Auto Comm-Nonstandard, GL, Professional Liab, Property Carrier Status Non-admitted States TX

U.S. Risk Insurance Group LLC

Coverages BOP, Care/Custody/Control, Cyber Liab, D&O, E&O, EPLI, GL, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except AK, HI

Associations/Affinity Groups

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

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

Markel Specialty

Philadelphia Insurance Companies

Affinity Nonprofits

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

Great American Ins. Group - Executive Liability Division

Coverages Community/Social Svcs, D&O, EPLI, Excess Liab, Fiduciary Liab Carrier Status Admitted States All States

Intercorp Inc.

Coverages BOP, EPLI, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Philadelphia Insurance Companies

Coverages Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Business Income, Care/ Custody/Control, CGL, Crime, D&O, Employee Benefits, EPLI, Fiduciary Liab, GL, Hired & Non-owned Auto, Identity Theft, Legal Expense, Personal Property, Professional Liab, Protection & Indemnity, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA

Prime Insurance Company

Auto Body Shops 5Star Garage Services & Auto Dealers Program

Professional Ins. Concepts (fka Crump Prof. Concepts)

Coverages Auto Comm-Standard Liability & Physical Damage, EPLI, Fire Legal Liab, Garage Keepers Legal Liab, Garage Liability, Hired & Non-owned Auto, Legal Liab, Property, Uninsured Motorists, Workers’ Comp Carrier Status Admitted States All States

Target Professional Programs

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

tKg Wholesale Brokerage

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

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

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

Applied Underwriters Inc.

Coverages Commercial Excess, Crime, GL, Liability Carrier Status Admitted, Non-admitted States All States

Crusader Insurance Company

Coverages GL, Property Carrier Status Admitted States CA

DMI Insurance Services

Attorneys 5Star Workers’ Compensation Services

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

Continental Brokers Inc.

Coverages Auto Comm-Standard, BOP, Business Interruption, Combo Personal & Commercial, EPLI, Flood, Glass, Legal Expense Ins, Legal Malpractice, Medical, Property, Umbrella Carrier Status Admitted States All States

Founders Specialty

5Star Workers’ Compensation Services

Coverages E&O, Professional Liab Carrier Status Admitted States AL, CA, CO, CT, DC, DE, GA, IA, IL, IN, KY, MD, ME, MI, MS, NV, OH, PA, SC, TN, TX

Coverages Business Income, Completed Operations Liab, Crime, Employee Benefits, Equipment Breakdown, Fire, Fire Legal Liab, Garage Keepers Legal Liab, Garage Liability, Hired & Non-owned Auto, Inland Marine, Personal Property, Physical Damage, Products Liab, Property, Real & Business Personal Prop, Tools & Equip Carrier Status Admitted States Most States

GMI Insurance Services

Coverages Auto Comm-Standard, Auto Comm-Standard Liability Carrier Status Admitted States All States except MA, NY

Griffin General Agency Inc.

Coverages GL, Property Carrier Status Non-admitted States TX

DECEMBER 4, 2017 INSURANCE JOURNAL | NATIONAL | 31

2017 Annual Program Directory, Volume II KBK Insurance Group Inc.

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

NeitClem Wholesale Insurance Brokerage Inc.

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

Prime Insurance Company

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

RoamNet Insurance Marketing Programs

Coverages BOP, EPLI, Fire Legal Liab, Garage Keepers Legal Liab, GL, Tools & Equip, Workers’ Comp Carrier Status Admitted States AZ, CA, CO, ID, IL, NV, OR, PA, TX, UT

Target Managers Insurance Services

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

Auto Dealers 5Star D&O Program

Coverages D&O, EPLI, Fiduciary Liab Carrier Status Admitted States All States

AAU, A division of USG Insurance Services

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

Alamo Surety Bonds

Coverages Fidelity Bonds, Surety Bonds Carrier Status Admitted States AL, AZ, CO, FL, GA, IN, KS, LA, MO, MS, NC, NV, SD, TX

All Risks Ltd.

Coverages Crime, Dealers Open Lot, E&O, Employee Benefits, EPLI, Equipment Breakdown, Garage Keepers Legal Liab, Hired & Non-owned Auto, Identity Theft, Physical Damage, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Non-admitted States Most

AmWINS Group Inc. - 100 Locations Worldwide Coverages Pollution, Pollution Liab Carrier Status Non-admitted States All States

AmWINS Program Underwriters

Coverages Auto Comm-Standard Liability & Physical Damage, Crime, Dealers Open Lot, EPLI, Garage Liability, GL, Property, Umbrella Carrier Status Admitted States All States except CT, HI, MA, NJ, NY

CID Insurance Programs Inc.

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

DMI Insurance Services

Coverages Business Income, Crime, Dealers Open Lot, Employee Benefits, Equipment Breakdown, Fire, Fire Legal Liab, Garage Keepers Legal Liab, Garage Liability, Hired & Non-owned Auto, Inland Marine, Non-Trucking Auto Liab, Physical Damage, Products Liab, Property, Real & Business Personal Prop, Tools & Equip, Uninsured Motorists, Uninsured Personal Injury Carrier Status Admitted States Most States

Empire Underwriters LLC

Coverages Blanket Addt'l Insureds, Blanket Waivers, BOP, CGL, Commercial Excess, D&O, Emergency Towing & Service, Environmental Liab, EPLI, Garage Liability, GKLL, Hired & Non-owned Auto, Lost Key, On-Hook Cargo, Property, Umbrella, Workers' Comp Carrier Status Admitted, Non-admitted States Most States

Gerald J. Wilkoff Inc.

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

Lancer Insurance Company

Coverages Dealers Open Lot, Garage Liability Carrier Admitted, Non-admitted States CT, NJ, NY, PA

M.J. Kelly Company

Coverages Dealers Open Lot, Fidelity Bonds, Fire Legal Liab, Garage Liability, GKLL, Medical Payments, Uninsured Motorists States AR, CO, FL, IA, ID, IL, KS, MO, MS, MT, NM, OK, TN, TX, UT

Personal Safeguards Group LLC

Coverages Product Extended Warranty, Service Contracts, Warranties, Extended Carrier Status Admitted States All States except HI, NH, VT

Prime Insurance Company

Target Managers Insurance Services

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

Victor O. Schinnerer & Company

Coverages D&O, Dealers Open Lot, EPLI, Fiduciary Liab, Garage Keepers Legal Liab, Garage Liability, GL, Pollution Liab, Property Carrier Status Admitted, Non-admitted States All States except AK, HI

Walter General Agency (WGA)

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

Auto Dismantlers/Wrecking Yards G.J. Sullivan Company (Orange)

Coverages Auto Comm-Standard Liability & Physical Damage, Business Income, Business Interruption, CGL, Crime, Dealers Open Lot, Employee Benefits, EPLI, Equipment, Fidelity, Fire, Garage Keepers Legal Liab, Garage Liability, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Motor Truck Cargo, On-Hook Cargo, Property, Real & Business Personal Prop, Theft, Tools & Equip, Umbrella, Uninsured Motorists, Workers’ Comp Carrier Status Admitted States All States except AK, DC, HI, MA

KBK Insurance Group Inc.

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

Prime Insurance Company

Arrowhead General Insurance Agency Inc.

Coverages Auto Comm-Standard Liability & Physical Damage, Crime, Equipment Breakdown, Garage Keepers Legal Liab, Property, Umbrella Carrier Status Admitted States All States except FL, TX

Ashley General Agency

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

Bass Underwriters

Coverages Dealers Open Lot, Garage Keepers Legal Liab Carrier Status Non-admitted States AL, AR, AZ, CA, CT, FL, GA, LA, MA, ME, MS, NC, NJ, NV, NY, OH, OK, OR, PA, RI, SC, TN, TX, VA

Brecht & Associates

Coverages Auto Comm-Standard, Auto Comm-Standard Phys Dmg, Commercial Excess, Garage Liability, GKLL, Medical Payments, Property, Tools & Equip, Umbrella, Uninsured Motorists Carrier Status Non-admitted States TX

DMI Insurance Services

Empire Underwriters LLC

Coverages Assault & Battery, Auto Comm-Standard Liability, Blanket Addt'l Insureds, Blanket Waivers, BOP, Garage Liability, GKLL, Pollution, Products Liab, Workers' Comp Carrier Status Admitted, Non-admitted States AL, AR, AZ, CA, FL, GA, IL, KY, LA, MI, MO, MS, NC, NJ, NM, NV, NY, OH, PA, SC, TN, TX, VA, WI, WV

GMI Insurance Services

Coverages Auto Comm-Standard, Auto Comm-Standard Liability Carrier Status Admitted States All States except MA, NY

Gorst & Compass Insurance

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

KBK Insurance Group Inc.

AAU, A division of USG Insurance Services

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

KBK Insurance Group Inc.

Coverages Garage Keepers Legal Liab, Garage Liability, GKLL Carrier Status Admitted, Non-admitted States CT, NJ, NY

Lancer Insurance Company

Coverages Business Income, Commercial Excess, Excess Liab, Fire, Garage Liability, GKLL, Medical Payments, Property, Real & Business Personal Prop Carrier Status Non-admitted States AK, AZ, CA, NV

Auto Haulers/Transporters Coverages Auto Comm-Standard Phys Dmg, Motor Truck Cargo, Physical Damage Carrier Status Admitted, Non-admitted States All States Coverages Auto Comm-Standard Liability & Physical Damage, Garage Keepers Legal Liab, GL, On-Hook Cargo, Property Carrier Status Admitted States All States except AK, DC, HI, MA, NY Coverages Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage Carrier Status Admitted States CT, NJ, NY, PA

Prime Insurance Company

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

Auto Repair Shops/Garages AAU, A division of USG Insurance Services

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

Advanced E&S Group - Southeast Region

Coverages Garage Keepers Legal Liab, Garage Liability Carrier Status Admitted, Non-admitted States FL

All Risks Ltd.

Coverages Crime, Garage Keepers Legal Liab, Garage Liability, Medical Payments, Physical Damage, Professional Liab, Uninsured Motorists, Workers’ Comp Carrier Status Admitted States All States except AK, CT, HI, KS, LA, VT

AmWINS Group Inc. - 100 Locations Worldwide Coverages Pollution, Pollution Liab Carrier Status Non-admitted States All States

Applied Underwriters Inc.

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

32 | INSURANCE JOURNAL | NATIONAL DECEMBER 4, 2017

Lancer Insurance Company

M.J. Hall & Company Inc.

M.J. Kelly Company

Coverages Auto Comm-Standard, Fire Legal Liab, Garage Liability, GKLL, Medical Payments, Property States AR, CO, FL, IA, ID, IL, KS, MO, MS, MT, NM, OK, TN, TX, UT

Prime Insurance Company

RoamNet Insurance Marketing Programs

Coverages BOP, EPLI, Fire Legal Liab, Garage Keepers Legal Liab, GL, Tools & Equip, Workers’ Comp Carrier Status Admitted States AZ, CA, CO, ID, IL, NV, OR, PA, TX, UT

South & Western General Agency Inc.

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

Southern Insurance Underwriters Inc. CMGA

Coverages Accessories, Completed Operations Liab, Emergency Towing & Service, Fire Legal Liab, Garage Liability, GKLL, Liability, Physical Damage, Property, Tools & Equip, Uninsured Motorists Carrier Status Admitted, Non-admitted States AL, FL, GA, MS, SC, TN

Target Managers Insurance Services

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

Tejas American General Agency

Coverages Auto Comm-Nonstandard, Garage Liability, GL, Property Carrier Status Non-admitted States TX

Unifax Insurance Systems Inc.

Coverages GL, Property Carrier Status Admitted States CA

INSURANCEJOURNAL.COM

2017 Annual Program Directory, Volume II Walter General Agency (WGA)

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

Auto Repair/Service 5Star Garage Services & Auto Dealers Program

Coverages Auto Comm-Standard Liability & Physical Damage, EPLI, Fire Legal Liab, Garage Keepers Legal Liab, Garage Liability, GL, Property, Uninsured Motorists, Workers’ Comp Carrier Status Non-admitted States All States

All Risks Ltd.

Coverages Garage Keepers Legal Liab, Garage Liability, Workers’ Comp Carrier Status Admitted States All States except ND, OH, OR, WA, WY

AmWINS Group Inc. - 100 Locations Worldwide Coverages Pollution, Pollution Liab Carrier Status Non-admitted States All States

Appleby & Sterling

Coverages BOP, Business Income, CGL, Crime Carrier Status Admitted States AZ, CA, NV

Atlas General Insurance Services

Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States except MS, MO, NY, TX

CID Insurance Programs Inc.

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

DMI Insurance Services

GMI Insurance Services

Coverages Auto Comm-Standard, Auto Comm-Standard Liability Carrier Status Admitted States All States except MA, NY

KBK Insurance Group Inc.

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

Lancer Insurance Company

Coverages Garage Keepers Legal Liab, Garage Liability, GKLL Carrier Status Admitted, Non-admitted States CT, NJ, NY

Prime Insurance Company

RoamNet Insurance Marketing Programs

Philadelphia Insurance Companies

Coverages Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Excess Liab, Uninsured Motorists Carrier Status Admitted States All States except HI, LA

van Wagenen Financial Services

Crusader Insurance Company

Coverages Blanket Addt’l Insureds, Blanket Forced Placed, Collateral Protection, Compliance Mgmt, Lessors Contingent Liab, Lessors Contingent Phys Dmg, Uninsured Boaters, Uninsured Motorists Carrier Status Admitted States All States except DC

Williams & Stazzone Insurance Agency Inc.

Coverages CGL, Dealers Open Lot, E&O, Garage Keepers Legal Liab, Garage Liability, Interim Car Liab/Phys Dmg, Lessor Only Excess Liab, Lessors Contingent Liab, Lessors Contingent Phys Dmg, Property, Umbrella Carrier Status Admitted States All States

Auto/Truck Rental Firms GMI Insurance Services

Prime Insurance Company

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

Auto/Truck Leasing Firms GMI Insurance Services

Coverages Auto Comm-Standard Liability & Physical Damage, Garage Liability, GL, Property Carrier Status Admitted States All States except MA, NY

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Delta General Agency Corp.

Coverages GL, Property Carrier Status Non-admitted States TX

Founders Insurance Company

Coverages Assault & Battery, Liquor Liab Carrier Status Admitted, Non-admitted States AL, CO, CT, FL, IA, IL, IN, KS, LA, MD, MI, MN, MT, NC, NH, NV, NY, OH, OR, TN, VA, WI

Gorst & Compass Insurance

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

Greene & Associates

Philadelphia Insurance Companies

Griffin General Agency Inc.

Prime Insurance Company

Innovative Coverage Concepts

Coverages Physical Damage, Physical Damage Rental Units Carrier Status Admitted States All States except LA Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Dealers Open Lot, Difference in Conditions, Garage Keepers Legal Liab, Garage Liability, GKLL, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States All States

Williams & Stazzone Insurance Agency Inc.

Coverages Auto Comm-Standard Liability & Physical Damage, Dealers Open Lot, Garage Keepers Legal Liab, Garage Liability, GL, Interim Car Liab/Phys Dmg, Lessor Only Excess Liab, Lessors Contingent Liab, Lessors Contingent Phys Dmg Carrier Status Admitted States All States

Coverages Commercial Excess, Umbrella Carrier Status Admitted, Non-admitted States All States except HI Coverages GL, Property Carrier Status Non-admitted States TX Coverages Assault & Battery, CGL, Liquor Liab, Property, Umbrella Carrier Status Non-admitted States All States except VT

International Excess Companies

Coverages Assault & Battery, CGL, Commercial Excess, Crime, EPLI, Equipment Breakdown, Liability, Liquor Liab, Products Liab, Umbrella Carrier Status Admitted, Non-admitted States All States

Lancer Indemnity Company

Coverages GL, Property Carrier Status Admitted States CT, NJ, NY, PA

M.J. Hall & Company Inc.

Bail Bond Agents

Coverages CGL, Crime, Liquor Liab, Property Carrier Status Non-admitted States AK, AZ, CA, HI, NV

Align General Insurance Agency LLC

M.J. Kelly Company

Coverages Business Interruption, CGL, Commercial Excess, EPLI, Equipment Breakdown, Fire Legal Liab, Food Spoilage, GL, Liquor Liab, Products Liab, Property, Umbrella States AR, CO, FL, IA, ID, IL, KS, MO, MS, MT, NM, OK, TN, TX, UT

Coverages Assault & Battery, Crime Carrier Status Admitted States CA

Fox Point Programs

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

National Insurance Underwriters

Prime Insurance Company

Bars/Taverns

Advanced E&S Group - Midwest Region

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

Coverages GL, Liquor Liab, Property Carrier Status Admitted States CA

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

Target Managers Insurance Services

Gerald J. Wilkoff Inc.

Burns & Wilcox - All Offices

Coverages Assault & Battery, Business Income, Business Interruption, CGL, Crime, Excess Liab, Fire, Food Spoilage, GL, Liability, Liquor Liab, Products Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States except AK, DC, HI

Abram Interstate Insurance Services Inc.

Auto Repossessors

Coverages Business Interruption, CGL, Commercial Excess, Excess Liab, Fire, GL, Glass, Liability, Liquor Liab, Property, Umbrella Carrier Status Non-admitted States TX

Prime Insurance Company

Coverages BOP, EPLI, Fire Legal Liab, Garage Keepers Legal Liab, GL, Tools & Equip, Workers’ Comp Carrier Status Admitted States AZ, CA, CO, ID, IL, NV, OR, PA, TX, UT Coverages Auto Comm-Standard, BOP, EPLI, Garage Liability, GKLL, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Brecht & Associates

NeitClem Wholesale Insurance Brokerage Inc.

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

Number One Insurance Agency

Coverages Assault & Battery, CGL, Liquor Liab, Property Carrier Status Non-admitted States CA Coverages Assault & Battery, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, Equipment Breakdown, Excess Liab, Fire, GL, Liability, Liquor Liab, Property, Real & Business Personal Prop, Spoilage, Theft, Umbrella Carrier Status Non-admitted States IA, IL, IN, KS, KY, MI, MN, MO, NE, OH, WI

Advanced E&S Group - Southeast Region

Coverages Cyber Liab, Equipment Breakdown, Liability, Liquor Liab, Property Carrier Status Admitted, Non-admitted States All States

Alamo Surety Bonds

Coverages Fidelity Bonds, Surety Bonds Carrier Status Admitted States AL, AZ, CO, FL, GA, IN, KS, LA, MO, MS, NC, NV, SD, TX

AmWINS Group Inc. - 100 Locations Worldwide

Coverages Excess Liab, GL, Hired & Non-owned Auto, Liquor Liab, Umbrella Carrier Status Admitted, Non-admitted States All States

Bass Underwriters

Coverages Fire Legal Liab, Food Spoilage, GL, Glass, Liquor Liab, Medical Payments, Personal Property, Theft, Wind Carrier Status Non-admitted States Most States

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

Patriot Underwriters Inc.

Coverages Excess Liab, GL, Liquor Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except ND, OH, WA, WY

Prime Insurance Company

Quaker Special Risk (New Jersey)

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

Quirk & Company

Coverages Assault & Battery, CGL, Equipment Breakdown, Excess Flood, Excess Liab, Flood, Liquor Liab, Property Carrier Status Non-admitted States LA, OK, OR, TX, WA

RISCO Insurance Brokerage Inc.

Coverages CGL, Crime, Liquor Liab, Mechanical Breakdown, Property Carrier Status Non-admitted States CT, MA, ME, NH, NY, RI

Coverages Excess Liab, GL, Liquor Liab, Property, Umbrella Carrier Status Non-admitted States AL, AR, AZ, CA, CT, FL, GA, LA, MA, ME, MS, NC, NJ, NV, NY, OH, OK, OR, PA, RI, SC, TN, TX, VA

DECEMBER 4, 2017 INSURANCE JOURNAL | NATIONAL | 33

2017 Annual Program Directory, Volume II Southern Insurance Underwriters Inc. CMGA

Coverages Abuse & Molestation, Assault & Battery, Business Interruption, CGL, Fire, Hired & Non-owned Auto, Legal Liab, Liability, Liquor Liab, Pollution, Pollution Liab, Real & Business Personal Prop, Sexual Misconduct Carrier Status Admitted, Non-admitted States AL, FL, GA, KY, MI, NC, SC, TN, TX

Specialty Insurance

Coverages Assault & Battery, Boiler & Machinery, Business Income, Business Interruption, Care/Custody/Control, CGL, Completed Operations Liab, Crime, Fire, Fire Legal Liab, Garage Liability, GKLL, GL, Glass, Hired & Non-owned Auto, Liability, Liquor Liab, Medical Payments, Products Liab, Property, Spoilage, Theft, Umbrella Carrier Status Admitted States CA, DE, FL, GA, IL, MA, MD, MI, MO, NJ, NY, OH, PA, RI, TN

TAPCO Underwriters Inc.

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

Tejas American General Agency

Coverages GL, Liquor Liab, Property Carrier Status Admitted, Non-admitted States TX

tKg Wholesale Brokerage

Coverages Assault & Battery, GL, Liquor Liab, Professional Liab, Property, Workers’ Comp Carrier Status Non-admitted States All States

Unifax Insurance Systems Inc.

Professional Program Insurance Brokerage

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

SASSI - Salon & Spa Specialty Insurance

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

Sovereign Group Int’l Inc.

Coverages Business Income, Business Interruption, CGL, EPLI, Fire, GL, Hail, Liability, Products Liab, Professional Liab, Property, Tanning Liab, Umbrella Carrier Status Non-admitted States MA, NJ, NY

TAPCO Underwriters Inc.

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

Universal Insurance Programs

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

Coverages GL, Liquor Liab, Property Carrier Status Admitted States CA

Bed & Breakfasts

Walter General Agency (WGA)

Philadelphia Insurance Companies

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

Western Security Surplus Insurance Brokers Inc.

Coverages Assault & Battery, GL, Liquor Liab, Property Carrier Status Admitted, Non-admitted States CA, TX

Beauty/Barber Shops/Salons/Schools/ Supplies A.I.I. Insurance Brokerage of Mass. Inc.

Coverages Business Income, CGL, Equipment Breakdown, Liability, Professional Liab, Real & Business Personal Prop, Tanning Liab, Umbrella Carrier Status Non-admitted States CT, MA, NH, RI

Abram Interstate Insurance Services Inc.

Coverages Crime, Equipment Breakdown, GL, Glass, Inland Marine, Liquor Liab, Professional Liab, Property Carrier Status Admitted, Non-admitted States CA

Advanced E&S Group - Midwest Region

Coverages Business Income, Business Interruption, CGL, Fire, GL, Glass, Liability, Property, Real & Business Personal Prop, Theft Carrier Status Admitted, Non-admitted States IA, IL, IN, KS, KY, MI, MN, MO, NE, NJ, NY, OH, PA, VA, WI

Allen Financial Ins. Group / The Equestrian Group Coverages BOP, CGL, Commercial Excess, Crime, Professional Liab Carrier Status Admitted States All States except AL, DC, HI

Anderson & Murison Inc.

Coverages BOP, Professional Liab Carrier Status Admitted States CA

Continental Brokers Inc.

Coverages Auto Comm-Standard Liability, Auto PersNonstandard, Boiler & Machinery, BOP, Builders Risk, Business Income, Business Interruption, Disability, EPLI, Fire Legal Liab, Flood, Liability, Medical, Professional Liab, Property, Umbrella Carrier Status Admitted States All States

Evolution Insurance Brokers

Coverages Business Income, Business Interruption, D&O, Fire, Fire Legal Liab, Liability, Misc Professional Liab, Theft, Tools & Equip, Trade Shows & Festivals Carrier Status Non-admitted States Most States

Griffin General Agency Inc.

Coverages CGL, Property Carrier Status Non-admitted States TX

Prime Insurance Company

Bicycle Dealers/Distributors/Rentals/ Manufacturers Prime Insurance Company

RPS PNP

Coverages Completed Operations Liab, Crime, GL, Hired & Non-owned Auto, Inland Marine, Property Carrier Status Admitted, Non-admitted States All States

All Risks Ltd.

Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Builders Risk, Bumbershoot, Cargo, GL, MEL, Property, Umbrella, Workers’ Comp Carrier Status Non-admitted States All States

Maritime Program Group

Coverages Auto Comm-Standard, Boats, Boiler & Machinery, Builders Risk, Business Income, Business Interruption, Care/Custody/Control, CGL, Commercial Excess, Commercial Marine, Crime, Dealers Open Lot, Equipment, Excess Liab, Fire, GL, Hired & Non-owned Auto, Hull, Inland Marine, Marina Operators Legal, Medical Payments, Piers & Docks, Products Liab, Property, Ship Repairers Legal, Theft, Tools & Equip, Umbrella, Uninsured Motorists, Watercraft Liab, Wind, Workers’ Comp Carrier Status Admitted States All States

Norman-Spencer Agency Inc.

Coverages Bumbershoot, CGL, Dealers Open Lot, Equipment, Equipment Breakdown, Marina Operators Legal, Property, Protection & Indemnity (P&I), USL&H, Watercraft Liab, Workers’ Comp Carrier Status Admitted States All States

Personal Safeguards Group LLC

Coverages Product Extended Warranty, Service Contracts, Warranties, Extended States All States except HI, NH, VT

Philadelphia Insurance Companies

Coverages Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Boats, Boiler & Machinery, Business Income, Business Interruption, Care/Custody/ Control, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, Garage Liability, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Legal Expense Ins, Personal Property, Professional Liab, Property, Protection & Indemnity (P&I), Umbrella, Uninsured Motorists Carrier Status Admitted States All States except AK, LA, MS, NM

Prime Insurance Company

TCA Inc.

Coverages Boats, Care/Custody/Control, CGL, GL, Marina Operators Legal Carrier Status Admitted, Non-admitted States All States

The Hanover Insurance Group

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

Boat Rental Firms Maritime Program Group

Coverages GL, Property Carrier Status Admitted States CT, NJ, NY, PA

Coverages Auto Comm-Standard, Boats, Boiler & Machinery, Builders Risk, Business Income, Business Interruption, Care/Custody/Control, CGL, Commercial Excess, Commercial Marine, Crime, Dealers Open Lot, EPLI, Equipment, Excess Liab, Fire, GL, Hired & Non-owned Auto, Hull, Inland Marine, Marina Operators Legal, Medical Payments, Piers & Docks, Products Liab, Property, Ship Repairers Legal, Theft, Tools & Equip, Umbrella, Uninsured Motorists, Watercraft Liab, Wind, Workers’ Comp Carrier Status Admitted States All States

NeitClem Wholesale Insurance Brokerage Inc.

Markel Personal Lines

Billiard Parlors Gorst & Compass Insurance

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

Lancer Indemnity Company

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

Prime Insurance Company

Billing and Collection Services 5Star Workers’ Compensation Services

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

Boat Dealers/Brokers 5Star Business Auto Program (Misc. classes)

Coverages Auto Comm-Standard Liability & Physical Damage, Uninsured Motorists Carrier Status Admitted States All States except CA, LA, MA

34 | INSURANCE JOURNAL | NATIONAL DECEMBER 4, 2017

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

Prime Insurance Company

Sun Coast General Insurance Agency

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

TCA Inc.

Coverages Hull, Protection & Indemnity (P&I) Carrier Status Admitted, Non-admitted States All States

Bowling Alleys Founders Insurance Company

Coverages Assault & Battery, Liquor Liab Carrier Status Admitted, Non-admitted States AL, CO, CT, FL, IA, IL, IN, KS, LA, MD, MI, MN, MT, NC, NH, NV, NY, OH, OR, TN, VA, WI

INSURANCEJOURNAL.COM

2017 Annual Program Directory, Volume II NIF Group Inc.

Coverages Equipment Breakdown, GL, Inland Marine, Property, Umbrella Carrier Status Admitted States All States except AK, HI, LA

T.H.E. Insurance Company

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

Boys & Girls Clubs Charity First Insurance Services Inc.

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

Gateway Specialty Insurance

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

Great American Ins. Group, Specialty Human Services

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

Irwin Siegel Agency Inc.

Coverages Abuse & Molestation, Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Crime, D&O, Environmental Liab, EPLI, Equipment Breakdown, Excess Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Inland Marine, Medical Payments, Non-Profit D&O, Pollution Liab, Professional Liab, Property, Sexual Misconduct, Student Accident, Umbrella Carrier Status Admitted States All States

Markel Specialty

Coverages Abuse & Molestation, Accident & Health, Auto Comm-Standard, Business Income, Crime, Equipment Breakdown, GL, Inland Marine, Kidnap/Ransom, Professional Liab, Property, Umbrella Carrier Status Admitted States All States except DC, HI

Nonprofits Insurance Alliance Group

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

Philadelphia Insurance Companies

Coverages Abuse & Molestation, Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, Cyber Liab, D&O, Employee Benefits, EPLI, Equipment Breakdown, Inland Marine, Property, Umbrella Carrier Status Admitted States All States except LA

Prime Insurance Company

Special Markets Ins. Consultants, An AmWINS Group Coverages Accident & Health, Liability Carrier Status Admitted States All States

Breweries Alamo Surety Bonds

Coverages Fidelity Bonds, Surety Bonds Carrier Status Admitted States AL, AZ, CO, FL, GA, IN, KS, LA, MO, MS, NC, NV, TX

Philadelphia Insurance Companies

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

Broadcasters AmWINS Program Underwriters

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

INSURANCEJOURNAL.COM

Campgrounds

Caterers

Philadelphia Insurance Companies

Specialty Insurance

Coverages Abuse & Molestation, Auto Comm-Standard, CGL, Liquor Liability, Property, Umbrella Carrier Status Admitted States All States except LA

Prime Insurance Company

T.H.E. Insurance Company

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

Camps Great American Ins. Group, Specialty Human Services

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

K&K Insurance Group Inc.

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

Markel Specialty

Coverages Abuse & Molestation, Accident & Health, Auto Comm-Standard, Business Income, Crime, Equipment Breakdown, GL, Inland Marine, Kidnap/Ransom, Professional Liab, Property, Umbrella, Watercraft Liab Carrier Status Admitted States All States except DC, HI

Philadelphia Insurance Companies

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

Prime Insurance Company

RPS Bollinger Sports & Leisure

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

Sports & Fitness Insurance Corporation (SFIC)

Coverages CGL, Crime, Fire Legal Liab, Flood, GL, Hired & Non-owned Auto, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Coverages Assault & Battery, Boiler & Machinery, Business Income, Business Interruption, Care/Custody/Control, CGL, Completed Operations Liab, Crime, Fire, Fire Legal Liab, GL, Glass, Liability, Liquor Liab, Property, Spoilage, Theft, Umbrella Carrier Status Admitted States CA, DE, FL, GA, IL, MA, MD, MI, MO, NJ, NY, OH, PA, RI, TN

Western Security Surplus Insurance Brokers Inc.

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

www.insurancehelper.com

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

Chemical Manufacturers/Distributors Axon Underwriting LLC

Coverages All Risks/Cash in Transit, Commercial Marine, Environmental Liab, Int’l Coverage - Commercial, Pollution, Pollution Liab, Property Carrier Status Admitted, Non-admitted States All States

ChemPlan - Chemical Insurance

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

Consumer Specialties Insurance Co. (RRG)

Coverages CGL, Hired & Non-owned Auto, Pollution Liab, Products Liab, Umbrella Carrier Status Non-admitted States All States except DC

MAXIMUM

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

NeitClem Wholesale Insurance Brokerage Inc.

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

Prime Insurance Company

Child Care/Day Care Centers Appalachian Underwriters Inc.

Coverages Abuse & Molestation, Liability, Misc Professional Liab, Umbrella, Workers’ Comp Carrier Status Non-admitted States All States

Bass Underwriters

Car Washes

Coverages Excess Liab, GL, Professional Liab, Property Carrier Status Non-admitted States AL, AR, AZ, CA, CT, FL, GA, LA, MA, ME, MS, NC, NJ, NV, NY, OH, OK, OR, PA, RI, SC, TN, TX, VA

Prime Insurance Company

Burns & Wilcox - All Offices

RoamNet Insurance Marketing Programs Coverages BOP, Workers’ Comp Carrier Status Admitted, Non-admitted States AZ, CA, CO, ID, NV, OR, UT

Rockwood Programs Inc.

Coverages CGL, Excess Liab, Inland Marine, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States except AK, DC, HI

Charity First Insurance Services Inc.

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

Evolution Insurance Brokers

Coverages Cyber Liab, EPLI Carrier Status Admitted, Non-admitted States All States except AK, WA

Casinos

Coverages Abuse & Molestation, Assault & Battery, Business Interruption, D&O, Fire, Fire Legal Liab, Liability, Loss of Use, Misc Professional Liab, Sexual Misconduct, Theft, Tools & Equip Carrier Status Non-admitted States Most States

Prime Insurance Company

Great American Ins. Group, Specialty Human Services

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

DECEMBER 4, 2017 INSURANCE JOURNAL | NATIONAL | 35

2017 Annual Program Directory, Volume II Greene & Associates

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

Indemnity Excess & Surplus Agency Inc.

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

International Excess Companies

Coverages Abuse & Molestation, Accident & Health, Business Income, CGL, Commercial Excess, Crime, E&O, EPLI, Fire, GL, Liability, Teachers Liab, Umbrella Carrier Status Admitted, Non-admitted States All States

Markel Specialty

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

Nonprofits Insurance Alliance Group

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

Philadelphia Insurance Companies

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

Prime Insurance Company

Tejas American General Agency

Coverages Abuse & Molestation, Auto Comm-Nonstandard, GL, Property Carrier Status Non-admitted States TX

Walter General Agency (WGA)

Coverages Abuse & Molestation, CGL, Excess Liab, GL, Professional Liab, Property, Umbrella Carrier Status Non-admitted States IL, MO

Chiropractors Philadelphia Insurance Companies

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

Prime Insurance Company

Churches/Religious Institutions AAU, A division of USG Insurance Services

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

Abram Interstate Insurance Services Inc.

Coverages D&O, EPLI, GL, Property Carrier Status Admitted, Non-admitted States CA

AMIS/Alliance Marketing & Insurance Services LLC

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

Appalachian Underwriters Inc.

Coverages Abuse & Molestation, BOP, CGL, Liability, Professional Liab, Property, Religious Institutions, Sexual Misconduct Carrier Status Non-admitted States All States

Aspera Insurance Services Inc.

Bass Underwriters

Coverages GL, Property Carrier Status Non-admitted States AL, AR, AZ, CA, CT, FL, GA, LA, MA, ME, NC, NJ, NV, NY, OH, OK, OR, PA, RI, SC, TN, TX, VA

Charity First Insurance Services Inc.

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

CID Insurance Programs Inc.

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

Gateway Specialty Insurance

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

Gorst & Compass Insurance

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

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

Gridiron Insurance Underwriters Inc.

Advanced E&S Group - Midwest Region

Coverages Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, Equipment Breakdown, Excess Liab, Fire, GL, Glass, Liability, Property, Real & Business Personal Prop, Theft, Umbrella Carrier Status Admitted, Non-admitted States IA, IL, IN, KS, KY, MI, MN, MO, NE, NJ, NY, OH, PA, VA, WI

Advanced E&S Group - Southeast Region

Coverages Business Income, Cyber Liab, Equipment Breakdown, Liability, Property, Umbrella Carrier Status Admitted, Non-admitted States All States

AFG Partners

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

Agency Intermediaries Inc.

Coverages Equipment Breakdown, Excess Liab, Liability, Property, Umbrella Carrier Status Admitted, Non-admitted States CT, MA, ME, NH, RI

Apartment Insurance Consultants LLC

Coverages Equipment Breakdown, Excess Liab, Liability, Property Carrier Status Admitted, Non-admitted States All States except NY, OK

Burns & Wilcox - All Offices

Coverages Liability, Property, Umbrella Carrier Status Admitted, Non-admitted States All States except AK, DC, HI

CID Insurance Programs Inc.

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

Coverages Abuse & Molestation, Business Income, Excess Flood, Flood, GL, Professional Liab, Property, Theft Carrier Status Non-admitted States AL, CA, FL, GA, LA, MS, NC, NJ, NY, SC, TX

Crouse & Associates

Philadelphia Insurance Companies

Distinguished Programs

Coverages Abuse & Molestation, Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Employee Benefits, EPLI, Fiduciary Liab, Fine Arts, Fire Legal Liab, GL, Glass, Hired & Non-owned Auto, Identity Theft, Inland Marine, Professional Liab, Property, Real & Business Personal Prop, Sexual Misconduct, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA

Prime Insurance Company

Promont Advisors LLC

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

Roush Insurance Services Inc.

Coverages Abuse & Molestation, Accident & Health, Auto Comm-Standard Liability & Physical Damage, Blanket Addt’l Insureds, Boiler & Machinery, Business Interruption, CGL, Commercial Excess, Crime, D&O, EPLI, Excess Liab, Fidelity Bonds, Fine Arts, Fire, GL, Glass, Inland Marine, Kidnap/ Ransom, Liability, Medical Payments, Non-Profit D&O, OCP, Participant Accident, Property, Residential Property, Sexual Misconduct Carrier Status Admitted, Non-admitted States IL, IN, OH

RPS PNP

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

Claims Adjusters Philadelphia Insurance Companies

Commercial Building Owners 5Star D&O Program

Coverages D&O, E&O, EPLI, Fiduciary Liab Carrier Status Non-admitted States All States

Coverages CGL, Excess Liab Carrier Status Non-admitted States CA, FL

36 | INSURANCE JOURNAL | NATIONAL DECEMBER 4, 2017

Coverages Builders Risk, COC, Earthquake, Fire, Flood, Inland Marine, Property Carrier Status Admitted States All States Coverages Boiler & Machinery, CGL, Property, Umbrella Carrier Status Admitted, Non-admitted States All States

MAXIMUM

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

MG Skinner & Associates

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

NeitClem Wholesale Insurance Brokerage Inc.

Coverages Assault & Battery, Business Income, CGL, COC, Difference in Conditions, Liability, Property Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX

New Empire Group

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

Pennsylvania Lumbermens Mutual Insurance Company

Coverages Auto Comm-Standard, CGL, Commercial Marine, EPLI, Equipment Breakdown, Inland Marine, Liability, Property, Umbrella Carrier Status Admitted States All States

Preferred Property Programs

Coverages Boiler & Machinery, Commercial Excess, Equipment Breakdown, Excess Liab, Umbrella Carrier Status Admitted States All States

Prime Insurance Company

Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Property, Professional Liab, Property, Rented Property Carrier Status Non-admitted States All States

Promont Advisors LLC

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

Roush Insurance Services Inc.

Coverages Apartment House Package, Auto CommStandard Liability & Physical Damage, Blanket Addt’l Insureds, Blanket Waivers, Builders Risk, Business Income, Business Interruption, CGL, Commercial Excess, Crime, D&O, E&O, EPLI, Excess Liab, Fire, Force Place Fire Cvrg, Foreclosed Properties, GL, Glass, Historic Bldgs/Unique Property, Inland Marine, Installation Floaters, Liability, OCP, Pollution Liab, Property, Rented Property, Residential Property, Tenant Discrimination, Tools & Equip Carrier Status Admitted, Non-admitted States IL, IN, OH

INSURANCEJOURNAL.COM

2017 Annual Program Directory, Volume II Southwest Risk

Coverages Builders Risk, CGL, Property, Umbrella Carrier Status Admitted, Non-admitted States All States

Specialty Programs & Facilities Mgrs Inc. (AmWINS)

Coverages Environmental Liab, GL, Property, Umbrella Carrier Status Admitted, Non-admitted States AZ, CA, CO, NV, OR, UT, WA

Sun Coast General Insurance Agency

Coverages BOP, Legal Liab, Lessors Contingent Liab, Lessors Contingent Phys Dmg, Liability, Property Carrier Status Admitted, Non-admitted States CA

Preferred Property Programs

Coverages Boiler & Machinery, BOP, Environmental Liab, Equipment Breakdown, Excess Liab, Mechanical Breakdown, Umbrella Carrier Status Admitted States All States

Preferred Property Programs

Coverages Boiler & Machinery, BOP, Environmental Liab, Equipment Breakdown, Excess Liab, Umbrella Carrier Status Admitted States All States

Prime Insurance Company

Charity First Insurance Services Inc.

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

Gateway Specialty Insurance

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

Great American Ins. Group - Executive Liability Division

Unifax Insurance Systems Inc.

Commercial Marine Companies

Special Markets Ins. Consultants, An AmWINS Group

Coverages GL, Property Carrier Status Admitted States CA

AFG Partners

Coverages Commercial Excess, Excess Flood, Inland Marine, Installation Floaters Carrier Status Admitted, Non-admitted States All States except DC, WY

LIG Marine Managers

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

Maritime Program Group

Coverages Commercial Marine, Hull, Marina Operators Legal, Protection & Indemnity (P&I), Ship Repairers Legal, Umbrella, Watercraft Liab Carrier Status Admitted States All States

Markel Personal Lines

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

Prime Insurance Company

TCA Inc.

Coverages Blanket Addt’l Insureds, Boats, Builders Risk, Cargo, CGL, Commercial Excess, Commercial Marine, Contractors Equip, Excess Liab, GL, Hull, Liability, Marina Operators Legal, Piers & Docks, Pollution, Pollution Liab, Professional Liab, Property, Protection & Indemnity (P&I), Ship Repairers Legal, Tools & Equip, Uninsured Boaters, Watersports Liab, Wet Marine Carrier Status Admitted, Non-admitted States All States

The American Equity Underwriters Inc.

Coverages Blanket Addt’l Insureds, Blanket Waivers, Care/Custody/Control, Commercial Marine, Contractors Equip, Excess Liab, Federal LHWCA, Hull, Int’l Coverage Commercial, Pollution Liab, Protection & Indemnity (P&I), Ship Repairers Legal, Umbrella, USL&H Carrier Status Admitted States All States

Community Associations AmWINS Program Underwriters

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

Coastal Insurance Underwriters Inc.

Coverages Boiler & Machinery, Business Income, CGL, Crime, Difference in Conditions, Dwelling Fire, Employee Benefits, Environmental Liab, EPLI, Excess Flood, Fire, GL, Homeowners Pkg, Liability, Non-Profit D&O, Pool & Spa Liab, Property, Umbrella, Wind, Workers’ Comp Carrier Status Non-admitted States AL, FL, TX

Coverages Accident & Health, Liability Carrier Status Admitted States All States

Specialty Programs & Facilities Mgrs Inc. (AmWINS)

Coverages Environmental Liab, GL, Property, Umbrella Carrier Status Admitted, Non-admitted States AZ, CA, CO, NV, OR, UT, WA

The McGowan Companies

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

Community Banks/Credit Unions All Risks Ltd.

Coverages Collateral Protection, GL, Mortgage Impairment, Mortgage REO Cvrg Carrier Status Non-admitted States All States

Innovative Risk Solutions

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

Insurmark, Div of Financial & Professional Risk Solutions

Coverages Blanket Forced Placed, Builders Risk, Business Income, Collateral Protection, Flood, Force Place Fire Cvrg, Foreclosed Properties, Liability, Mortgage Impairment, Mortgage REO Cvrg Carrier Status Admitted, Non-admitted States All States

van Wagenen Financial Services

Coverages Blanket Forced Placed, Boiler & Machinery, CGL, Collateral Protection, Compliance Mgmt, E&O, Force Place Fire Cvrg, Foreclosed Properties, Lessors Contingent Liab, Lessors Contingent Phys Dmg, Mortgage REO Cvrg, Residential Property, Uninsured Boaters, Uninsured Motorists Carrier Status Admitted States All except DC

Community Health Centers Philadelphia Insurance Companies

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

Prime Insurance Company

Coverages Community/Social Svcs, D&O, EPLI, Excess Liab, Fiduciary Liab Carrier Status Admitted States All States

Great American Ins. Group, Specialty Human Svcs

Irwin Siegel Agency Inc.

Coverages Abuse & Molestation, Addiction Treatment, Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Community/Social Svcs, Crime, D&O, Developmental Disabilities, Excess Liab, GL, Inland Marine, Mental Health Care, Non-Profit D&O, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States

Markel Specialty

Negley Associates

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

Nonprofits Insurance Alliance Group

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

Philadelphia Insurance Companies

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

Prime Insurance Company

RPS PNP

Pro-Praxis Insurance

Community/Social Services

Computer Consultants/Programmers/ Designers

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

5Star Paratransit Program

Distinguished Programs

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

Coverages Auto Comm-Standard Liability & Physical Damage, EPLI, Excess Liab, GL, Physical Damage, Umbrella, Uninsured Motorists Carrier Status Admitted States Most States

Burns & Wilcox - All Offices

Great American Ins. Group - Executive Liability Division

AFC Insurance

Fox Point Programs

Coverages Community/Social Svcs, D&O, EPLI, Excess Liab, Fiduciary Liab Carrier Status Admitted States All States

Indemnity Excess & Surplus Agency Inc.

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

Kevin Davis Insurance Services

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

New Empire Group

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

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Affinity Nonprofits

Coverages D&O, EPLI, Fiduciary Liab, Non-Profit D&O Carrier Status Admitted States All States except HI

Atlas Financial Holdings - View Co. Info on Page 76

Coverages Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, GL, Medical Payments, Uninsured Motorists Carrier Status Admitted States All States

Coverages CGL, Inland Marine, Liability, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States except AK, DC, HI Coverages Cyber Liab, E&O, Professional Liab, Property, Technology E&O Carrier Status Admitted States All States

Indemnity Excess & Surplus Agency Inc.

Coverages Cyber Liab, GL, Property, Technology E&O Carrier Status Admitted, Non-admitted States Most States

Intercorp Inc.

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

IT Risk Managers Inc.

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

DECEMBER 4, 2017 INSURANCE JOURNAL | NATIONAL | 37

2017 Annual Program Directory, Volume II Philadelphia Insurance Companies

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

Professional Ins. Concepts (fka Crump Prof. Concepts) Coverages E&O, EPLI, Professional Liab Carrier Status Admitted States All States

RPS Technology & Cyber

Distinguished Programs

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

Kevin Davis Insurance Services

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

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

MG Skinner & Associates

USX/S

NSM Insurance Group

Coverages Breach of Security, CGL, Cyber Liab, D&O, E&O, EPLI, Identity Theft, Media Liab, Professional Liab Carrier Status Admitted, Non-admitted States All States

Concessionaires and Vendors Prime Insurance Company

www.insurancehelper.com

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

Concrete Pumper Firms 5Star Business Auto Program (Misc. classes)

Coverages Auto Comm-Standard Liability & Physical Damage Carrier Status Admitted States All States except LA, MA

AmWINS Transportation Underwriters Inc.

Coverages Auto Comm-Standard Liability & Physical Damage, GL Carrier Status Admitted States Most States

Ascinsure Specialty Risk

Coverages Auto Comm-Standard, Inland Marine, Liability, Property, Umbrella States All States

Empire Underwriters LLC

Coverages Blanket Addt'l Insureds, Blanket Waivers, CGL, Commercial Excess, Completed Operations Liab, Contractors Equip, GL, Inland Marine, Installation Floaters, OCP, Pollution Liab, Products Liab, Property, Umbrella, Workers' Comp Carrier Status Admitted, Non-admitted States Most States

NBIS

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

Norman-Spencer Agency Inc.

Coverages Auto Comm-Standard Liability & Physical Damage, CGL, Inland Marine, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States

Prime Insurance Company

Condo Associations AFG Partners

Coverages Excess Flood, GL, Property Carrier Status Admitted, Non-admitted States All States

Apartment Insurance Consultants LLC

Coverages Equipment Breakdown, Excess Liab, Liability, Property Carrier Status Admitted, Non-admitted States All States except OK

Coastal Insurance Underwriters Inc.

Coverages Boiler & Machinery, Business Income, CGL, Crime, Difference in Conditions, Employee Benefits, Environmental Liab, EPLI, Excess Flood, Fire, Flood, GL, Homeowners Pkg, Liability, Non-Profit D&O, Property, Umbrella, Wind, Workers’ Comp Carrier Status Non-admitted States AL, CA, FL, TX

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

New Empire Group

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

Philadelphia Insurance Companies

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

Preferred Property Programs

Coverages Boiler & Machinery, BOP, Commercial Excess, Environmental Liab, Equipment Breakdown, Umbrella Carrier Status Admitted States All States

Prime Insurance Company

Program Brokerage Corporation

Coverages Crime, D&O, Liability, Pollution Liab, Property, Umbrella Carrier Status Admitted States CT, DC, MA, MD, NJ, NY, PA

Brecht & Associates

Coverages BOP, Equipment Breakdown, GL, Property Carrier Status Non-admitted States TX

Burns & Wilcox - All Offices

Coverages Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Difference in Conditions, Dwelling Fire, E&O, EPLI, Equipment, Fidelity, Fiduciary Liab, Fire Legal Liab, GL, Homeowners Pkg, Non-Profit D&O, Property, Real & Business Personal Prop Carrier Status Admitted, Non-admitted States All States except AK, DC, HI

Coastal Insurance Underwriters Inc.

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

Delta General Agency Corp.

Coverages GL, Property Carrier Status Non-admitted States TX

Distinguished Programs

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

Gerald J. Wilkoff Inc.

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

Great American Ins. Group - Executive Liability Division

Coverages Community/Social Svcs, D&O, EPLI, Excess Liab, Fiduciary Liab Carrier Status Admitted States All States

Kevin Davis Insurance Services

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

MexiPass International Insurance Services LLC

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

MG Skinner & Associates

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

Monarch E&S Insurance Services

Coverages D&O, GL, Property States CA

Quirk & Company

Monitor Liability Managers

Specialty Programs & Facilities Mgrs Inc. (AmWINS)

NeitClem Wholesale Insurance Brokerage Inc.

Coverages CGL, Excess Flood, Flood, Property Carrier Status Admitted, Non-admitted States LA, OK, OR, TX, WA Coverages Environmental Liab, GL, Property, Umbrella Carrier Status Admitted, Non-admitted States AZ, CA, CO, NV, OR, UT, WA

SterlingRisk Programs

Coverages Excess Liab, Umbrella Carrier Status Admitted States All States

Condo/Homeowner Associations Advanced E&S Group - Midwest Region

Coverages Assault & Battery, Business Income, Business Interruption, CGL, Fire, Fire Legal Liab, GL, Glass, Inland Marine, Liability, Personal Property, Property, Real & Business Personal Prop, Theft Carrier Status Admitted, Non-admitted States CT, FL, IA, IL, IN, KS, KY, MI, MN, MO, NE, NJ, NY, OH, PA, VA, WI

Advanced E&S Group - Southeast Region

Coverages Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Difference in Conditions, Excess Flood, Flood, Personal Property, Property, Umbrella Carrier Status Non-admitted States All States

AFG Partners

Coverages Excess Flood, GL, Property Carrier Status Admitted, Non-admitted States All States

Agency Intermediaries Inc.

Coverages Liability, Umbrella Carrier Status Non-admitted States CT, MA, ME, NH, RI

Apartment Insurance Consultants LLC

Coverages Equipment Breakdown, Excess Liab, Liability, Property Carrier Status Admitted, Non-admitted States All States except OK

Aspera Insurance Services Inc.

Coverages CGL, Excess Liab Carrier Status Non-admitted States CA, FL

Bass Underwriters

Coverages GL, Professional Liab, Property Carrier Status Non-admitted States AL, AR, AZ, CA, CT, FL, GA, LA, MA, ME, MS, NC, NJ, NV, NY, OH, OK, OR, PA, RI, SC, TN, TX, VA

38 | INSURANCE JOURNAL | NATIONAL DECEMBER 4, 2017

Coverages E&O, EPLI, Non-Profit D&O Carrier Status Admitted, Non-admitted States All States Coverages GL, Property Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX

New Empire Group

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

Philadelphia Insurance Companies

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

Preferred Property Programs

Coverages Boiler & Machinery, BOP, Environmental Liab, Equipment Breakdown, Excess Liab, Umbrella Carrier Status Admitted States All States

Prime Insurance Company

Quirk & Company

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

RoamNet Insurance Marketing Programs

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

South & Western General Agency Inc.

Coverages GL, Non-Profit D&O, Professional Liab Carrier Status Non-admitted States AR, MS, OK, TN, TX

Sovereign Group Int’l Inc.

Coverages CGL, Commercial Excess, D&O, EPLI, Fire, GL, Liability, Professional Liab, Umbrella Carrier Status Non-admitted States MA, NJ, NY

Specialty Programs & Facilities Mgrs Inc. (AmWINS)

Coverages Environmental Liab, GL, Property, Umbrella Carrier Status Admitted, Non-admitted States AZ, CA, CO, NV, OR, UT, WA

INSURANCEJOURNAL.COM

2017 Annual Program Directory, Volume II SterlingRisk Programs

MAXIMUM

TAPCO Underwriters Inc.

Wrap Up Insurance Solutions

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

The McGowan Companies

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

UCA General Insurance Services

Coverages CGL, Cyber Liab, D&O, EPLI, Equipment Breakdown, Fire Legal Liab, Hired & Non-owned Auto, Medical Payments, Property, Umbrella Carrier Status Admitted States AZ, CA, ID, IL, NV, OR, UT, WA, WI

US Assure

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

Condominium Owners

Coverages Excess Liab, GL, Umbrella Carrier Status Admitted, Non-admitted States All States Coverages Excess Liab, Liability, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Consultants-All Kinds Coverages D&O, EPLI, Fiduciary Liab Carrier Status Admitted States All States

5Star Workers’ Compensation Services

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

AMIS/Alliance Marketing & Insurance Services LLC

Coverages Auto Comm-Standard Liability & Physical Damage, BOP, Liability, Professional Liab, Property, Workers’ Comp Carrier Status Admitted States All States

Burns & Wilcox - All Offices

Coverages CGL, Environmental Liab, Excess Liab, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States except AK, DC, HI

Fox Point Programs

Arrowhead General Insurance Agency Inc.

Norman-Spencer International Inc.

Coverages Excess Flood, Homeowners Pkg, Umbrella Carrier Status Non-admitted States All States Coverages Equipment Breakdown, Identity Theft, Liability, Property, Rented Property, Residential Property Carrier Status Admitted States AZ, CA, CT, NJ, NV, NY, VA

Coastal Insurance Underwriters Inc.

Coverages Business Income, CGL, Crime, Difference in Conditions, Dwelling Fire, Employee Benefits, Environmental Liab, EPLI, Excess Flood, Fire, GL, Homeowners Pkg, Liability, Non-Profit D&O, Property, Umbrella, Wind, Workers’ Comp Carrier Status Non-admitted States AL, CA, FL, TX

Indemnity Excess & Surplus Agency Inc.

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

MG Skinner & Associates

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

Preferred Property Programs

Coverages Boiler & Machinery, BOP, Commercial Excess, Environmental Liab, Equipment Breakdown, Excess Liab, Umbrella Carrier Status Admitted States All States

Prime Insurance Company

Specialty Programs & Facilities Mgrs Inc. (AmWINS)

Coverages Environmental Liab, GL, Property, Umbrella Carrier Status Admitted, Non-admitted States AZ, CA, CO, NV, OR, UT, WA

Construction Managers Pennsylvania Lumbermens Mutual Insurance Company

Coverages Auto Comm-Standard, CGL, Commercial Marine, EPLI, Equipment Breakdown, Inland Marine, Liability, Property, Umbrella Carrier Status Admitted States All States

Quaker Special Risk (New Jersey)

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

Target Professional Programs

Coverages E&O, Professional Liab States All States

US Assure

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

Construction Wrap-Up Construction Insurance Partners

Coverages Builders Risk, E&O, Excess Liab, GL, Workers’ Comp States All States

INSURANCEJOURNAL.COM

Coverages E&O, GL, Professional Liab Carrier Status Non-admitted States All States Coverages E&O, Professional Liab Carrier Status Admitted States All States except AK, HI

Prime Insurance Company

Professional Ins. Concepts (fka Crump Prof. Concepts) Coverages E&O, EPLI, Professional Liab Carrier Status Admitted States All States

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

Coverages CGL, E&O, Pollution Carrier Status Non-admitted States All States Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States All States

Quaker Special Risk (New Jersey)

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

Quirk & Company

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

Victor O. Schinnerer & Company

Coverages D&O, E&O, EPLI, Fiduciary Liab, Kidnap/ Ransom, Professional Liab Carrier Status Admitted, Non-admitted States All States

Contractors Advanced E&S Group - Southeast Region

Coverages Contractors Equip, Liability, Umbrella Carrier Status Admitted, Non-admitted States CO, CT, FL, IA, IL, IN, KS, KY, MA, MD, ME, MI, MO, NH, NJ, OH, PA, RI, SC, TX, VA, VT, WI

AmTrust Surety

Coverages Contractors License Bonds, Performance & Payment Bonds Carrier Status Admitted States All States Coverages Equipment, Excess Liab, GL, Umbrella Carrier Status Admitted, Non-admitted States All States

Applied Underwriters Inc.

SWBC

Coverages Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Auto Pers-Standard, D&O, E&O, Employee Benefits, Excess Flood, Flood, Force Place Fire Cvrg, Medical, Personal Liab, Professional Liab, Short & Long-Term Disability, Theft, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except AK, DC, HI

Target Professional Programs

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

Builders & Tradesmen’s Insurance Services Inc.

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

Burns & Wilcox - All Offices

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

Coverages Equipment, GL Carrier Status Admitted, Non-admitted States All States except AK, DC, HI

Western Surplus Lines Agency Inc.

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

Consultants-Environmental

Construction Insurance Partners

Coverages Excess Liab, GL, Professional Liab, Umbrella, Workers’ Comp States All States

Construction Insurance Solutions

Coverages Auto Comm-Standard, Commercial Excess, GL, Real & Business Personal Prop, Workers’ Comp Plus (Alternative) Carrier Status Non-admitted States All States

Crouse & Associates

Access E&S Insurance Services (VA)

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

Ashley General Agency

Coverages Auto Comm-Standard, Auto Comm-Standard Phys Dmg, Builders Risk, CGL, COC, D&O, Difference in Conditions, E&O, Property, Umbrella Carrier Status Admitted States All States

Empire Underwriters LLC

Coverages GL, Pollution Liab, Professional Liab Carrier Status Non-admitted States TX

Axon Underwriting LLC

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

Beacon Hill Associates Inc.

Coverages CGL, E&O, Pollution States All States

Berkley Specialty Underwriting Mgrs - Environmental Div

Coverages Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Blanket Addt’l Insureds, Blanket Waivers, CGL, Commercial Excess, E&O, Emergency Towing & Service, Environmental Liab, GL, Int’l Coverage - Commercial, Pollution, Pollution Liab, Professional Liab, Railroad Protective Liab, Umbrella, Uninsured Motorists, Uninsured Personal Injury, USL&H, Workers’ Comp Carrier Status Admitted, Non-admitted States All States Coverages Environmental Liab, GL, Pollution Liab, Professional Liab Carrier Status Non-admitted States All States

PartnerOne Environmental

AmWINS Group Inc. - 100 Locations Worldwide

Professional Liability Ins. Svcs - Underwriting Facilities

Environmental Insurance Agency (EIA)

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

Prime Insurance Company

5Star D&O Program

AFG Partners

Freberg Environmental Inc.

Coverages Auto Comm-Standard, Blanket Addt'l Insureds, Blanket Waivers, CGL, Commercial Excess, Completed Operations Liab, Environmental Liab, GL, Hired & Nonowned Auto, Inland Marine, Installation Floaters, OCP, Pollution Liab, Products Liab, Property, Tools & Equip, Workers' Comp Carrier Status Admitted, Non-admitted States Most States

Financial Risk Solutions Inc.

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

GMI Insurance Services

Coverages Auto Comm-Standard, Auto Comm-Standard Liability Carrier Status Admitted States All States

Greene & Associates

Coverages CGL, GL Carrier Status Non-admitted States NY

JM Assoc / Burnham + Co, a Div. of Hub Int’l Northeast

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

DECEMBER 4, 2017 INSURANCE JOURNAL | NATIONAL | 39

2017 Annual Program Directory, Volume II M.J. Kelly Company

Coverages Builders Risk, CGL, Commercial Excess, Commercial Marine, Completed Operations Liab, Contractors Equip, Equipment, GL, Inland Marine, Installation Floaters, Liability, Property, Umbrella States AR, CO, FL, IA, ID, IL, KS, MO, MS, MT, NM, OK, TN, TX, UT

Midwestern Insurance Alliance LLC

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

National Indemnity Company

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

NeitClem Wholesale Insurance Brokerage Inc.

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

Norman-Spencer Agency Inc.

Coverages Auto Comm-Standard, CGL, Equipment, Umbrella Carrier Status Admitted, Non-admitted States All States

Oryx Insurance Brokerage Inc.

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

US Assure

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

Virtue Risk Partners LLC

Coverages Auto Comm-Standard, CGL, Commercial Excess, E&O, Environmental Liab, Workers’ Comp Carrier Status Non-admitted States All States

Walter General Agency (WGA)

Coverages Auto Comm-Nonstandard, Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, Builders Risk, Business Income, Business Interruption, CGL, Commercial Excess, Completed Operations Liab, Contractors Equip, Difference in Conditions, Equipment Breakdown, Excess Liab, Fire, Inland Marine, Installation Floaters, Liability, Medical Payments, OCP, Property, Tools & Equipment, Umbrella Carrier Status Non-admitted States AR, IA, IL, IN, KS, KY, MO, OK, TN

Western Security Surplus Insurance Brokers Inc.

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

Contractors-Air Conditioning Builders & Tradesmen’s Insurance Services Inc.

PEO Brokers Group

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

Coverages Auto Comm-Nonstandard, Auto Comm-Standard, Builders Risk, CGL, COC, Contractors Equipment, Excess Liability, General Liability, Inland Marine, Property Carrier Status Admitted, Non-admitted States All States except AK, FL, HI, MD, NY, VT

Prime Insurance Company

Greene & Associates

Reliable Insurance Managers

Coverages CGL, Property Carrier Status Admitted, Non-admitted States TX

RLI Transportation

Coverages Auto Comm-Standard, Auto Pers-Nonstandard Carrier Status Admitted States All States except AK, DC, HI, LA, MA

Roush Insurance Services Inc.

Coverages Auto Comm-Standard Liability & Physical Damage, Blanket Addt’l Insureds, Blanket Waivers, Boiler & Machinery, Builders Risk, Business Income, Business Interruption, CGL, Commercial Excess, Completed Operations Liab, Contractors Equip, Contractors License Bonds, Equipment Breakdown, Fire, Fire Legal Liab, GL, Glass, Inland Marine, Installation Floaters, Liability, Medical Payments, OCP, Pollution Liab, Pool & Spa Liab, Portable Equip, Property, Real & Business Personal Prop, Rented Property Carrier Status Admitted, Non-admitted States IL, IN, OH

Shield Commercial Insurance Services

Coverages CGL, GL, Liability Carrier Status Non-admitted States AZ, CA, IA, ID, KS, KY, MN, MT, NC, ND, NE, NV, OH, OK, OR, PA, SC, TN, TX, UT, WA, WI, WY

SIS Wholesale Insurance Services

Coverages Blanket Addt’l Insureds, Blanket Waivers, BOP, Builders Risk, CGL, COC, Contractors Equip, Contractors License Bonds, GL, Inland Marine, Motor Truck Cargo, Non-Trucking Auto Liab, Pollution, Professional Liab, Tools & Equip, Workers’ Comp Carrier Status Non-admitted States All States

TAPCO Underwriters Inc.

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

Tejas American General Agency

Coverages Auto Comm-Nonstandard, Auto Comm-Standard, Builders Risk, E&O, GL, Pollution, Workers’ Comp Carrier Status Admitted, Non-admitted States TX

The McGowan Companies

Coverages Commercial Excess, Excess Liab, Umbrella States All States

tKg Wholesale Brokerage

Coverages CGL, Commercial Excess, Contractors Equip, Workers’ Comp Carrier Status Non-admitted States All States

Tokio Marine/HCC

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

Coverages CGL, General Liability Carrier Status Non-admitted States NY

Oryx Insurance Brokerage Inc.

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

Reliable Insurance Managers

Coverages CGL, Property Carrier Status Admitted, Non-admitted States TX

Shield Commercial Insurance Services

Coverages Excess Liab, GL, Inland Marine Carrier Status Non-admitted States Most States

Contractors-Alarm All Risks Ltd.

Arrowhead General Insurance Agency Inc. Coverages E&O, GL Carrier Status Admitted States All States

Brownyard Group

Brownyard Programs Ltd.

Coverages Blanket Addt’l Insureds, CGL, E&O, Excess Liab, Fidelity Bonds, Umbrella, Workers’ Comp Carrier Status Non-admitted States All States except AK

Burns & Wilcox - All Offices

Coverages CGL, Excess Liab, Inland Marine, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States except AK, DC, HI

Izzo Insurance Services Inc.

Coverages Auto Comm-Standard, Crime, E&O, EPLI, Excess Liab, Fidelity Bonds, GL, Performance & Payment Bonds, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Reliable Insurance Managers

Coverages CGL, Property Carrier Status Admitted, Non-admitted States TX

The Mechanic Group Inc.

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

40 | INSURANCE JOURNAL | NATIONAL DECEMBER 4, 2017

Contractors-Artisan Abram Interstate Insurance Services Inc.

Coverages Cyber Liab, Equipment, GL, Property Carrier Status Admitted, Non-admitted States CA

Advanced E&S Group - Midwest Region

Coverages Business Income, CGL, Contractors Equip, GL, Inland Marine, Liability, OCP, Personal Property, Products Liab, Real & Business Personal Prop, Theft, Umbrella Carrier Status Non-admitted States IA, IL, IN, KS, KY, MI, MN, MO, NE, OH, WI

Appalachian Underwriters Inc.

Coverages Excess Liab, GL, Inland Marine, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Aspera Insurance Services Inc.

Coverages CGL, Excess Liab Carrier Status Non-admitted States CA, FL

Atlas Financial Holdings - View Co. Info on Page 76

Coverages Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, GL, Medical Payments, Uninsured Motorists Carrier Status Admitted States All States

Atlas General Insurance Services

Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States except MS, MO, NY, TX

Brecht & Associates

Coverages Auto Comm-Nonstandard, Auto CommNonstandard Phys Dmg, Auto Comm-Standard, BOP, Cargo, CGL, Contractors Equip, Excess Liab, GL, Property, Tools & Equip, Umbrella Carrier Status Non-admitted States TX

Builders & Tradesmen’s Insurance Services Inc.

Burns & Wilcox - All Offices

Coverages CGL, Excess Liab, Inland Marine, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States except AK, DC, HI

CID Insurance Programs Inc.

Coverages BOP, Business Income, CGL, Commercial Excess, Contractors Equip, Excess Liab, GL, Hired & Non-owned Auto, Liability, Loss of Use, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States AZ, CA, CO, ID, MD, NE, NM, NV, OR, PA, TN, TX, UT, WA

Construction Insurance Solutions

Coverages Auto Comm-Standard, Commercial Excess, Contractors Equip, GL, Real & Business Personal Prop, Workers’ Comp Carrier Status Non-admitted States All States

Crusader Insurance Company

Coverages GL, Property Carrier Status Admitted States CA

Delta General Agency Corp.

Coverages GL, Property Carrier Status Non-admitted States TX

Empire Underwriters LLC

Coverages Assault & Battery, Auto Comm-Standard, Blanket Addt'l Insureds, Blanket Waivers, BOP, Builders Risk, Business Interruption, Cargo, CGL, Commercial Excess, Commercial Marine, Completed Operations Liab, Contractors Equip, Environmental Liab, EPLI, Hired & Nonowned Auto, Inland Marine, Installation Floaters, Products Liab, Property, Tools & Equip, Transportation Pollution Liab, USL&H, Workers' Comp Carrier Status Admitted, Non-admitted States Most States

GMI Insurance Services

Coverages Auto Comm-Standard, Auto Comm-Standard Liability Carrier Status Admitted States All States

Greene & Associates

Coverages CGL, GL Carrier Status Non-admitted States NY

Griffin General Agency Inc.

Coverages Auto Comm-Nonstandard, CGL, Property. Includes Carpentry Interior, Concrete Construction, Fence Erection, HVAC, Lessor’s Risk, Masonry, Siding Installation & Tile, Stone, Marble Installation. Carrier Status Non-admitted States TX

Insurance Center Special Risks Ltd.

Coverages Blanket Addt’l Insureds, Environmental Liab, Excess Liab, Fire Legal Liab, GL, Inland Marine, Medical Payments Carrier Status Non-admitted States CT, MA, ME, NH, NY, PA, RI, VT

Logic Underwriters Inc.

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

INSURANCEJOURNAL.COM

2017 Annual Program Directory, Volume II M.J. Hall & Company Inc.

Coverages CGL, Contractors Equip, Employee Benefits, EPLI, Pollution Liab, Property Carrier Status Admitted, Non-admitted States AK, AZ, CA, HI, NV

Monarch E&S Insurance Services

Coverages GL, Inland Marine Carrier Status Admitted States CA

National Insurance Underwriters

Coverages Blanket Addt’l Insureds, Blanket Waivers, Employee Benefits, Fire Legal Liab, GL, Umbrella Carrier Status Admitted States AL, AZ, CT, DE, FL, GA, ID, IL, IN, LA, MD, MN, NC, NH, NJ, NV, NY, PA, TN, TX, VA, VT, WI

NIF Group Inc.

Coverages Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Blanket Addt’l Insureds, Builders Risk, CGL, Contractors Equip, Crime, Property, Tools & Equip Carrier Status Admitted, Non-admitted States AZ, CA, NV, OR

Oryx Insurance Brokerage Inc.

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

Prime Insurance Company

Quaker Special Risk (New Jersey)

Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, EPLI Carrier Status Non-admitted States CT, DE, MA, MD, ME, NJ, NY, PA, RI, VT

Reliable Insurance Managers

Coverages CGL, Property Carrier Status Admitted, Non-admitted States TX

Shield Commercial Insurance Services

Coverages CGL, GL, Liability Carrier Status Non-admitted States AZ, CA, IA, ID, KS, KY, MN, MT, NC, ND, NE, NV, OH, OK, OR, PA, SC, TN, TX, UT, WA, WI, WY

SIS Wholesale Insurance Services

Coverages Blanket Addt’l Insureds, Blanket Waivers, BOP, CGL, COC, Commercial Excess, Contractors License Bonds, E&O, GL, Inland Marine, Liquor Liab, Motor Truck Cargo, Pollution, Workers’ Comp Carrier Status Non-admitted States All States

Southwest Risk

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

Sovereign Group Int’l Inc.

Coverages Builders Risk, CGL, Commercial Excess, Completed Operations Liab, Contractors Equip, EPLI, Fire, GL, Professional Liab, Property, Umbrella Carrier Status Non-admitted States MA, NJ, NY

Target Managers Insurance Services

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

Tejas American General Agency

Coverages Auto Comm-Nonstandard, Auto Comm-Standard, Builders Risk, GL, Workers’ Comp Carrier Status Admitted, Non-admitted States TX

Prime Insurance Company

Coverages CGL, Environmental Liab, Excess Liab, Pollution Liab, Professional Liab, Umbrella Carrier Status Admitted, Non-admitted States All States except AK, DC, HI

Contractors-Demolition

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

AmWINS Program Underwriters

Coverages Auto Comm-Standard, Excess Liab, GL, Pollution Carrier Status Admitted, Non-admitted States All States except AK, HI

Apollo General Ins. Agency Inc.

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

Burns & Wilcox - All Offices

Coverages CGL, Excess Liab, Inland Marine, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States except AK, DC, HI

Prime Insurance Company

Contractors-Electrical Builders & Tradesmen’s Insurance Services Inc.

Coverages Auto Comm-Standard, Crime, GL, Inland Marine, Liability, Property, Umbrella, Workers’ Comp States All

NBIS

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

INSURANCEJOURNAL.COM

PartnerOne Environmental

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

Philadelphia Insurance Companies

Pioneer Underwriters

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

Prime Insurance Company

Quaker Special Risk (New Jersey)

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

Quirk & Company

Virtue Risk Partners LLC

Coverages CGL, GL Carrier Status Non-admitted States NY

Oryx Insurance Brokerage Inc.

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

Reliable Insurance Managers

Coverages CGL, Property Carrier Status Admitted, Non-admitted States TX

Shield Commercial Insurance Services

Coverages CGL, GL, Liability Carrier Status Non-admitted States AZ, CA, IA, ID, KS, KY, MN, MT, NC, ND, NE, NV, OH, OK, OR, PA, SC, TN, TX, UT, WA, WI, WY

SIS Wholesale Insurance Services

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

Coverages Auto Comm-Standard, CGL, Commercial Excess, E&O, Environmental Liab, Workers’ Comp Carrier Status Non-admitted States All States

Contractors-Excavating/Grading Builders & Tradesmen’s Insurance Services Inc.

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

Construction Insurance Solutions

Coverages Auto Comm-Standard, Commercial Excess, Contractors Equip, GL, Real & Business Personal Prop, Workers’ Comp Carrier Status Non-admitted States All States

Midwestern Insurance Alliance LLC

Contractors-Elevators JM Assoc / Burnham + Co, a Div. of Hub Int’l Northeast

JM Associates / Burnham + Company

Ascinsure Specialty Risk

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

Greene & Associates

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

Intercorp Inc.

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

Coverages Auto Comm-Standard, Commercial Excess, Contractors Equip, GL, Real & Business Personal Prop, Workers’ Comp Carrier Status Non-admitted States All States

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

Apollo General Ins. Agency Inc.

Environmental Insurance Agency (EIA)

Construction Insurance Solutions

Coverages GL, Property Carrier Status Admitted States CA

Unifax Insurance Systems Inc.

Burns & Wilcox - All Offices

Coverages Auto Comm-Standard, Blanket Addt’l Insureds, Builders Risk, Business Interruption, CGL, Contractors Equip, Employee Benefits, Excess Liab, GL, Inland Marine, Installation Floaters, Liability, OCP, Pollution, Products Liab, Property, Tools & Equip, Umbrella, Uninsured Motorists, Workers’ Comp Carrier Status Admitted States All States

Prime Insurance Company

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

NeitClem Wholesale Insurance Brokerage Inc.

Oryx Insurance Brokerage Inc.

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

Prime Insurance Company

SIS Wholesale Insurance Services

Contractors-Environmental AmWINS Group Inc. - 100 Locations Worldwide

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

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

Contractors-Explosives/Blasting/Drilling

Axon Underwriting LLC

Prime Insurance Company

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

Beacon Hill Associates Inc.

Coverages CGL, E&O, Pollution States All States

DECEMBER 4, 2017 INSURANCE JOURNAL | NATIONAL | 41

2017 Annual Program Directory, Volume II Contractors-Fire & Water Restoration Beacon Hill Associates Inc.

Coverages CGL, E&O, Pollution States All States

Prime Insurance Company

USX/S

Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Commercial Excess, Completed Operations Liab, Contractors Equip, Cyber Liab, E&O, Environmental Liab, EPLI, Equipment, GL, Identity Theft, Pollution Liab, Professional Liab, Umbrella Carrier Status Admitted, Non-admitted States All States

Contractors-Fire Protection/Fire Sprinkler All Risks Ltd.

Coverages Care/Custody/Control, E&O, GL, Professional Liab, Workers’ Comp Carrier Status Non-admitted States All States

AmWINS Program Underwriters

Coverages Excess Liab, Fire, GL, Pollution Liab, Professional Liab, Umbrella Carrier Status Non-admitted States All States

Brownyard Programs Ltd.

Coverages CGL, E&O, Excess Liab, Umbrella, Workers’ Comp Carrier Status Non-admitted States All States

Construction Insurance Solutions

Coverages Auto Comm-Standard, Commercial Excess, Contractors Equip, GL, Real & Business Personal Prop, Workers’ Comp Carrier Status Non-admitted States All States

Prime Insurance Company

RelMark Program Managers

Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, E&O, Environmental Liab, Excess Liab, OCP, Professional Liab Carrier Status Non-admitted States All States except AK, CO, HI

Contractors-General Appalachian Underwriters Inc.

Coverages Excess Liab, GL, Inland Marine, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Ashley General Agency

Coverages CGL, Commercial Excess, Inland Marine Carrier Status Non-admitted States TX

Delta General Agency Corp.

Coverages GL, Property Carrier Status Non-admitted States TX

Environmental Insurance Agency (EIA)

Coverages GL, Pollution Liab States All States

Insurance Center Special Risks Ltd.

Coverages Blanket Addt’l Insureds, Blanket Waivers, Excess Liab, GL, Inland Marine, Pollution Liab, Umbrella Carrier Status Non-admitted States CT, MA, ME, NH, NY, PA, RI, VT

Lancer Insurance Company

Coverages Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage Carrier Status Admitted States CT, NJ, NY, PA

Logic Underwriters Inc.

Coverages Builders Risk, Equipment, GL, Property Carrier Status Admitted, Non-admitted States TX

M.J. Hall & Company Inc.

Coverages CGL, Contractors Equip, Excess Liab, Pollution Liab, Property Carrier Status Admitted, Non-admitted States AK, AZ, CA, HI, NV

MexiPass International Insurance Services LLC

Builders & Tradesmen’s Insurance Services Inc.

Burns & Wilcox - All Offices

Coverages CGL, Excess Liab, Inland Marine, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States except AK, DC, HI

CID Insurance Programs Inc.

Coverages Business Income, CGL, Commercial Excess, Contractors Equip, Excess Liab, GL, Hired & Non-owned Auto, Liability, Loss of Use, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States AZ, CA, CO, ID, MD, NE, NM, NV, OR, PA, TN, TX, UT, WA

Construction Insurance Partners

Coverages Excess Liab, GL, Professional Liab, Umbrella, Workers’ Comp States All States

Construction Insurance Solutions

Coverages Commercial Excess, Contractors Equip, GL, Real & Business Personal Prop, Workers’ Comp Carrier Status Non-admitted States All States

Contractors-Landscape Applied Underwriters Inc.

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

Builders & Tradesmen’s Insurance Services Inc.

Construction Insurance Solutions

Delta General Agency Corp.

Oryx Insurance Brokerage Inc.

Prime Insurance Company

Quaker Special Risk (Florida)

Reliable Insurance Managers

Coverages Blanket Addt’l Insureds, CGL Carrier Status Non-admitted States CA Coverages Auto Comm-Standard, GL, Umbrella, Workers’ Comp Carrier Status Admitted States CT, DE, MD, NJ, NY, PA, VT Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States All States Coverages Blanket Addt’l Insureds, Blanket Waivers, Builders Risk, CGL, Contractors Equip, GL, Liability, Pollution Liab, Umbrella Carrier Status Non-admitted States Most States

Quaker Special Risk (Mass.)

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

Quaker Special Risk (New Jersey)

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

Quaker Special Risk (New York)

Bass Underwriters

Coverages CGL, E&O, Pollution States All States

Coverages GL, Residential `wrap-up` States All States

Monarch E&S Insurance Services

Quirk & Company

Beacon Hill Associates Inc.

Wrap Up Insurance Solutions

Coverages Commercial Excess, Contractors Equip, GL, Real & Business Personal Prop, Workers’ Comp Carrier Status Non-admitted States All States

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

Coverages Blanket Addt’l Insureds, GL States AL, AR, CA, CO, FL, GA, ID, IL, MA, MD, MI, NC, NV, NY, OH, OK, OR, SC, TN, UT, VA, WV

Coverages CGL, Commercial Excess, Completed Operations Liab, D&O, Difference in Conditions, E&O, Environmental Liab, EPLI, Excess Liab, GL, Inland Marine, Liability, New Occurrence, Pollution Liab, Residential Property, Residential `wrap-up`, Umbrella Carrier Status Admitted, Non-admitted States All States

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

Aspera Insurance Services Inc.

Coverages CGL, Excess Liab Carrier Status Non-admitted States CA, FL

Worldwide Facilities LLC

Reliable Insurance Managers

Coverages CGL, Property Carrier Status Admitted, Non-admitted States TX

Shield Commercial Insurance Services

Coverages GL, Property Carrier Status Non-admitted States TX Coverages Auto Comm-Standard, GL, Umbrella, Workers’ Comp Carrier Status Admitted States CT, DE, MD, NJ, NY, PA, VT Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States All States Coverages CGL, Property Carrier Status Admitted, Non-admitted States TX

Shield Commercial Insurance Services

Coverages CGL, GL, Liability Carrier Status Non-admitted States AZ, CA, IA, ID, KS, KY, MN, MT, NC, ND, NE, NV, OH, OK, OR, PA, SC, TN, TX, UT, WA, WI, WY

SIS Wholesale Insurance Services

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

Contractors-Marine All Risks Ltd.

Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Bumbershoot, Commercial Marine, Equipment, GL, Hull, MEL, Property, Protection & Indemnity (P&I), Umbrella, USL&H, Workers’ Comp Carrier Status Non-admitted States All States

LIG Marine Managers

Coverages CGL, Contractors Equip, Equipment, Federal LHWCA, Foreign GL, Hull, Int’l Coverage - Commercial, Pollution Liab, Products Liab, Protection & Indemnity (P&I), Ship Repairers Legal, Tools & Equip, Umbrella, USL&H, Wet Marine, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Prime Insurance Company

Coverages CGL, GL, Liability Carrier Status Non-admitted States AZ, CA, IA, ID, KS, KY, MN, MT, NC, ND, NE, NV, OH, OK, OR, PA, SC, TN, TX, UT, WA, WI, WY

The American Equity Underwriters Inc.

SIS Wholesale Insurance Services

Coverages Builders Risk, Contractors Equip, Installation Floaters, Property Carrier Status Admitted States All States

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

Southwest Risk

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

Coverages MEL, Workers’ Comp States All States

The Hanover Insurance Group

Contractors-Oil & Gas Alliant Specialty Insurance Services Inc.

Coverages Excess Liab, Professional Liab, Residential Property, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Coverages Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, Care/Custody/Control, CGL, Contractors Equip, Inland Marine, Installation Floaters, Pollution, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States except LA

US Assure

AmWINS Program Underwriters

tKg Wholesale Brokerage

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

42 | INSURANCE JOURNAL | NATIONAL DECEMBER 4, 2017

Coverages Auto Comm-Standard, Excess Liab, GL, Inland Marine, Property, Umbrella Carrier Status Admitted, Non-admitted States All States except IL, LA, NY

Ashley General Agency

Coverages CGL, Excess Liab, Pollution Liab, Professional Liab Carrier Status Non-admitted States TX

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2017 Annual Program Directory, Volume II Prime Insurance Company

Quirk & Company

Coverages CGL, Contractors Equip, Control of Well, D&O, E&O, Environmental Liab, Equipment, Excess Flood, Excess Liab, Flood, Kidnap/Ransom, Pollution Liab, Professional Liab, Property States LA, OK, OR, TX, WA

Southwest Risk

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

U.S. Risk Insurance Group LLC

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

Western Surplus Lines Agency Inc.

Coverages Blanket Addt’l Insureds, Blanket Waivers, Cargo, CGL, Control of Well, Hired & Non-owned Auto, Inland Marine, Medical Payments, Pollution Liab, Professional Liab, Rented Property, Tools & Equip Carrier Status Non-admitted States LA, ND, NM, OK, TX

Worldwide Facilities LLC

Coverages Care/Custody/Control, CGL, COC, Commercial Excess, Control of Well, D&O, E&O, Environmental Liab, EPLI, Excess Liab, GL, Inland Marine, Liability, New Occurrence, Physical Damage, Pollution Liab, Professional Liab, Protection & Indemnity (P&I), Umbrella Carrier Status Admitted, Non-admitted States All States

Contractors-Plumbing Greene & Associates

Coverages CGL, GL Carrier Status Non-admitted States NY

Oryx Insurance Brokerage Inc.

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

Reliable Insurance Managers

Coverages CGL, Property Carrier Status Admitted, Non-admitted States TX

Shield Commercial Insurance Services Coverages Excess Liab, GL, Inland Marine Carrier Status Non-admitted States Most States

SIS Wholesale Insurance Services

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

Contractors-Reforestation Keith D. Peterson & Company Inc.

Coverages Auto Comm-Standard, Boiler & Machinery, Builders Risk, CGL, Crime, D&O, EPLI, Equipment Breakdown, Inland Marine, Motor Truck Cargo, Property, Umbrella, Workers’ Comp Carrier Status Non-admitted States All States

Contractors-Roofing AmWINS Program Underwriters

Coverages Excess Liab, Fire Legal Liab, GL, Pollution Liab, Umbrella Carrier Status Non-admitted States All States except AK, HI, NY

Applied Underwriters Inc.

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

Construction Insurance Solutions

Coverages Auto Comm-Standard, Commercial Excess, Contractors Equip, GL, Real & Business Personal Prop Carrier Status Non-admitted States All States except NY

Empire Underwriters LLC

Norman-Spencer International Inc.

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

Prime Insurance Company

Quaker Special Risk (Florida)

MexiPass International Insurance Services LLC

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

NeitClem Wholesale Insurance Brokerage Inc.

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Coverages Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Blanket Addt’l Insureds, Blanket Waivers, CGL, Commercial Excess, E&O, Environmental Liab, Excess Liab, GL, Int’l Coverage - Commercial, Liability, Pollution, Pollution Liab, Professional Liab, Railroad Protective Liab, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Quaker Special Risk (New Jersey & New York) Coverages CGL, GL, Liability, Umbrella Carrier Status Non-admitted States Most States

Reliable Insurance Managers

Coverages CGL, Property Carrier Status Admitted, Non-admitted States TX

Freberg Environmental Inc.

Shield Commercial Insurance Services

Coverages CGL, GL, Liability Carrier Status Non-admitted States AZ, CA, IA, ID, KS, KY, MN, MT, NC, ND, NE, NV, OH, OK, OR, PA, SC, TN, TX, UT, WA, WI, WY

SIS Wholesale Insurance Services

Coverages CGL, GL Carrier Status Non-admitted States All States Coverages Blanket Addt’l Insureds, Completed Operations Liab, Contractors Equip, GL, Hired & Non-owned Auto, Liability, Pollution Liab, Products Liab, Tools & Equip Carrier Status Non-admitted States AL, FL, GA, KY, MI, MS, NC, SC, TN, TX

Southwest Risk

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

Contractors-Service Builders & Tradesmen’s Insurance Services Inc.

Construction Insurance Solutions

Coverages Auto Comm-Standard, Commercial Excess, Contractors Equip, GL, Real & Business Personal Prop, Workers’ Comp Carrier Status Non-admitted States All States

Financial Risk Solutions Inc.

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

Monarch E&S Insurance Services

Shield Commercial Insurance Services

Coverages CGL, GL, Liability Carrier Status Non-admitted States AZ, CA, IA, ID, KS, KY, MN, MT, NC, ND, NE, NV, OH, OK, OR, PA, SC, TN, TX, UT, WA, WI, WY

SIS Wholesale Insurance Services

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

Coverages CGL, Excess Liab, Inland Marine, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States except AK, DC, HI Coverages CGL, Contractors Equip, Excess Liab, Property Carrier Status Admitted, Non-admitted States AK, AZ, CA, HI, NV Coverages CGL, GL, Liability Carrier Status Non-admitted States AZ, CA, IA, ID, KS, KY, MN, MT, NC, ND, NE, NV, OH, OK, OR, PA, SC, TN, TX, UT, WA, WI, WY Coverages CGL, GL Carrier Status Non-admitted States All States

Convenience Stores Advanced E&S Group - Midwest Region

Coverages Assault & Battery, Business Income, Business Interruption, CGL, Crime, Excess Liab, Fire, Food Spoilage, GL, Glass, Liability, Liquor Liab, Personal Property, Property, Real & Business Personal Prop, Spoilage Carrier Status Admitted, Non-admitted States IA, IL, IN, KS, KY, MI, MN, MO, NE, NJ, NY, OH, PA, VA, WI

All Risks Ltd.

Coverages Business Income, Employee Benefits, Garage Keepers Legal Liab, GL, Hired & Non-owned Auto, Liquor Liab, Medical Payments, Personal Liab, Property Carrier Status Non-admitted States All States except HI

Appalachian Underwriters Inc.

Coverages BOP, CGL, Liability, Liquor Liab, Workers’ Comp Carrier Status Non-admitted States All States

Burns & Wilcox - All Offices

Coverages CGL, Excess Liab, Liquor Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States except AK, DC, HI

Crusader Insurance Company

Coverages GL, Liquor Liab, Property Carrier Status Admitted States CA Coverages Assault & Battery, Liquor Liability Carrier Status Admitted, Non-admitted States AL, CO, CT, FL, IA, IL, IN, KS, LA, MD, MI, MN, MT, NC, NH, NV, NY, OH, OR, TN, VA, WI

Gorst & Compass Insurance

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

Griffin General Agency Inc.

Coverages GL, Property Carrier Status Non-admitted States TX

Irving Weber Associates Inc. (IWA)

Contractors-Swimming Pools

SIS Wholesale Insurance Services

Founders Insurance Company

Oryx Insurance Brokerage Inc.

Shield Commercial Insurance Services

Prime Insurance Company

Southern Insurance Underwriters Inc. CMGA

M.J. Hall & Company Inc.

Coverages CGL, GL Carrier Status Non-admitted States NY

Berkley Specialty Underwriting Mgrs - Environmental Div

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

Greene & Associates

Contractors-Underground Storage Tank Construction Coverages Environmental Liab, Pollution, Pollution Liab Carrier Status Non-admitted States All States

Quaker Special Risk (Mass.)

Burns & Wilcox - All Offices

Coverages CGL, GL, Liability Carrier Status Non-admitted States AZ, IA, ID, KS, KY, MN, MT, NC, ND, NE, NV, OH, OK, OR, PA, SC, TN, TX, UT, WA, WI, WY

AmWINS Group Inc. - 100 Locations Worldwide

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

Coverages Blanket Addt'l Insureds, Blanket Waivers, Builders Risk, Business Income, Cargo, CGL, Commercial Excess, Contractors Equip, Hired & Non-owned Auto, Installation Floaters, OCP, Personal Property, Pollution Liab, Products Liab, Workers' Comp Carrier Status Admitted, Non-admitted States Most States

Contractors-Tract Home Subcontractors Shield Commercial Insurance Services

Coverages Auto Comm-Standard, Blanket Addt’l Insureds, Boiler & Machinery, BOP, Business Income, Business Interruption, CGL, Employee Benefits, EPLI, Equipment Breakdown, Fire, Fire Legal Liab, Food Spoilage, GL, Identity Theft, Liability, Liquor Liab, Mechanical Breakdown, Property, Real & Business Personal Prop, Spoilage, Umbrella, Workers’ Comp Carrier Status Admitted States Most States

Izzo Insurance Services Inc.

Coverages Blanket Waivers, Workers’ Comp Carrier Status Admitted States All States

McLeckie Insurance Group

Coverages Business Income, Crime, EPLI, Equipment, Food Borne Illness, Liquor Liab, Property Carrier Status Non-admitted States All States

Promont Advisors LLC

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

DECEMBER 4, 2017 INSURANCE JOURNAL | NATIONAL | 43

2017 Annual Program Directory, Volume II Quirk & Company

Coverages CGL, Crime, Excess Flood, Excess Liab, Flood, Food Spoilage, Liquor Liab, Property Carrier Status Admitted, Non-admitted States LA, OK, OR, TX, WA

Roush Insurance Services Inc.

Coverages Auto Comm-Nonstandard, Blanket Addt’l Insureds, Boiler & Machinery, Business Income, Business Interruption, CGL, Commercial Excess, Crime, D&O, Equipment Breakdown, Excess Liab, Fire, Fire Legal Liab, Food Spoilage, GL, Glass, Hired & Non-owned Auto, Inland Marine, Liability, Liquor Liab, Mechanical Breakdown, Products Liab, Property, Spoilage, Theft, Umbrella Carrier Status Admitted, Non-admitted States IL, IN, OH

TAPCO Underwriters Inc.

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

UCA General Insurance Services

Coverages Business Income, CGL, Crime, Cyber Liab, EPLI, Equipment Breakdown, Fire Legal Liab, Medical Payments, Property, Umbrella Carrier Status Admitted States AZ, CA, ID, IL, NV, OR, UT, WA, WI

Western Security Surplus Insurance Brokers Inc.

Coverages Business Interruption, CGL, Excess Liab, Fire, Fire Legal Liab, GL, Liability, Liquor Liab, Medical Payments, New Occurrence, Property Carrier Status Admitted, Non-admitted States CA, TX

Cosmetic Manufacturers Brownyard Group

Coverages Business Income, Business Interruption, CGL, Employee Benefits, Fire, Fire Legal Liab, GL, Glass, Inland Marine, Liability, Personal Property, Products Liab, Property, Workers’ Comp Carrier Status Admitted States All States

Cosmetic Insurance Services, a Div. of Frenkel & Co. Coverages Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Boiler & Machinery, Crime, GL, Inland Marine, Products Liab, Property, Umbrella Carrier Status Admitted States All States

Professional Program Insurance Brokerage

Coverages Abuse & Molestation, Blanket Addt’l Insureds, CGL, Commercial Excess, EPLI, GL, Liability, Products Liab, Property Carrier Status Non-admitted States All States

Counselors/Counseling Centers Affinity Nonprofits

Coverages D&O, EPLI, Fiduciary Liab, Non-Profit D&O Carrier Status Admitted States All States except HI

Charity First Insurance Services Inc.

Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, Boiler & Machinery, Business Income, CGL, Crime, EPLI, Equipment Breakdown, Inland Marine, Int’l Coverage - Commercial, Liquor Liab, NonProfit D&O, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States

Irwin Siegel Agency Inc.

Coverages Abuse & Molestation, Addiction Treatment, Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Community/Social Svcs, Crime, D&O, Environmental Liab, EPLI, Equipment Breakdown, Excess Liab, GL, Inland Marine, Medical Payments, Mental Health Care, Pollution Liab, Umbrella Carrier Status Admitted States All States

Markel Specialty

Negley Associates

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

NIF Group Inc.

Coverages Abuse & Molestation, Auto Comm-Standard, Boiler & Machinery, Business Income, Business Interruption, Community/Social Svcs, D&O, E&O, EPLI, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Liability, Medical & Physical Rehab, Medical Malpractice, Medical Payments, Mental Health Care, Products Liab, Professional Liab, Umbrella Carrier Status Admitted States All States except HI, LA

Nonprofits Insurance Alliance Group

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

Philadelphia Insurance Companies

Coverages Abuse & Molestation, Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Identity Theft, Inland Marine, Physical Damage, Professional Liab, Property, Real & Business Personal Prop, Sexual Misconduct, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA

Country Clubs All Risks Ltd.

Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Business Income, Care/Custody/Control, Crime, D&O, Employee Benefits, Equipment Breakdown, Garage Keepers Legal Liab, GL, Hired & Non-owned Auto, Liquor Liab, Medical Payments, Personal Property, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Philadelphia Insurance Companies

Coverages Abuse & Molestation, Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, Food Spoilage, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Liquor Liab, Professional Liab, Property, Real & Business Personal Prop, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA

Prime Insurance Company

RPS Bollinger Sports & Leisure

Coverages Boiler & Machinery, CGL, Crime, D&O, Excess Liab, Identity Theft, Property, Workers’ Comp Carrier Status Admitted States All States

Sports & Fitness Insurance Corporation (SFIC)

Coverages Accident & Health, Assault & Battery, Auto Comm-Standard, Boiler & Machinery, BOP, Builders Risk, Business Income, Business Interruption, CGL, Crime, Cyber Liab, D&O, EPLI, Equipment Breakdown, Flood, GL, Pool & Spa Liab, Professional Liab, Umbrella, Workers’ Comp Carrier Status Admitted States All States

Couriers 5Star Business Auto Program (Misc. classes)

Coverages Auto Comm-Standard Liability & Physical Damage, Hired & Non-owned Auto, Medical Payments, Uninsured Motorists Carrier Status Admitted States Most States

Brightstone / A Risk Strategies Company

Coverages Auto Comm-Standard, Bailee/Customer Goods, Blanket Addt’l Insureds, Cargo, CGL, Crime, E&O, EPLI, Equipment, Fidelity, Hired & Non-owned Auto, Occupational Accident, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States

International Excess Companies

Coverages Auto Comm-Nonstandard, Auto CommNonstandard Phys Dmg, Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Business Income, Business Interruption, Cargo, Commercial Excess, Container Refrigeration Break, Crime, E&O, EPLI, Equipment Breakdown, Fire, Food Spoilage, GL, Inland Marine, Liability, Mechanical Breakdown, Physical Damage, Pollution Liab, Transportation Pollution Liab, Umbrella Carrier Status Admitted, Non-admitted States All States

Midwestern Insurance Alliance LLC

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

National Indemnity Company

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

Parcel Insurance Plan

Coverages Cargo, Inland Marine Carrier Status Admitted States All States

Prime Insurance Company

Program Risk Specialists

Coverages Hired & Non-owned Auto Carrier Status Non-admitted States All States

44 | INSURANCE JOURNAL | NATIONAL DECEMBER 4, 2017

RLI Transportation

Coverages Auto Comm-Nonstandard, Auto Comm-Standard Carrier Status Admitted States All States except AK, DC, HI, LA, MA

Crane, Scaffolding & Equipment Rental Dealers AmWINS Transportation Underwriters Inc.

Coverages Auto Comm-Standard Liability & Physical Damage, GL Carrier Status Admitted States Most States

Ascinsure Specialty Risk

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

NBIS

Norman-Spencer Agency Inc.

Coverages Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, CGL, Commercial Excess, Contractors Equip, Equipment, Equipment Breakdown, Excess Liab, GL, Inland Marine, Liability, On-Hook Cargo, Physical Damage, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Prime Insurance Company

Western Surplus Lines Agency Inc.

Coverages CGL, Contractors Equip, Inland Marine Carrier Status Non-admitted States LA, ND, NM, OK, TX

Crop Dusters/Sprayers Prime Insurance Company

Wildlife Insurance Underwriters LLC

Coverages Accident & Health, Accidental Death, Auto Comm-Standard, Disability, Flood, Herbicide & Pesticide, Homeowners Pkg, Hull, Liability, Pollution, Property, Props, Umbrella, Workers’ Comp Carrier Status Non-admitted States All States

Dairies Agricultural Insurance Mgmt Services

Coverages Equipment Breakdown, Homeowners Pkg, Identity Theft, Liability, Property, Tools & Equip Carrier Status Admitted States Most States

Mark D. Fredricksen Insurance Services

Coverages CGL, Livestock/Animal Mortality, Property Carrier Status Admitted States All States except AK, DC, FL, HI

Tejas American General Agency

Coverages Equipment, GL, Property Carrier Status Admitted, Non-admitted States AR, AZ, CA, CO, KS, MO, MS, NM, OH, OK, SD, TN, TX, WA

Dance Schools/Studios Great American Ins. Group, Specialty Human Services

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

K&K Insurance Group Inc.

Coverages Business Income, Crime, GL, Inland Marine, Liquor Liab, Property, Workers’ Comp Carrier Status Admitted States All States

Markel Specialty

Coverages Accident & Health, Auto Comm-Standard, Business Income, Crime, Equipment Breakdown, GL, Inland Marine, Personal Property, Property, Umbrella Carrier Status Admitted States All States except DC, HI

INSURANCEJOURNAL.COM

2017 Annual Program Directory, Volume II Prime Insurance Company

Special Markets Ins. Consultants, An AmWINS Group Coverages Accident & Health, Liability Carrier Status Admitted States All States

Sports & Fitness Insurance Corporation (SFIC) Coverages GL, Property Carrier Status Admitted States All States

www.insurancehelper.com

Coverages Abuse & Molestation, Accident & Health, Blanket Addt’l Insureds, Blanket Waivers, CGL, Completed Operations Liab, Event Cancellation, GL, Hired & Nonowned Auto, Hole-in-One, Liability, Liquor Liab, Medical Payments, Participant Accident, Personal Liab, Products Liab, Student Accident, Trade Shows & Festivals, Weather Carrier Status Non-admitted States All States

Day Care/Preschools A.I.I. Insurance Brokerage of Mass. Inc.

Coverages Abuse & Molestation, CGL, Equipment Breakdown, Misc Professional, Real & Business Personal Prop Carrier Status Non-admitted States CT, MA, NH, RI

South & Western General Agency Inc.

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

TAPCO Underwriters Inc.

Coverages Abuse & Molestation, Accessories, GL, Professional Liab, Property Carrier Status Non-admitted States Most States

Western Experts in Transportation

Coverages Excess Auto Carrier Status Admitted States All States except AK, HI, MA, NJ, NY

Burns & Wilcox - All Offices

Coverages CGL, Excess Liab, Inland Marine, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States except AK, DC, HI

Continental Brokers Inc.

Coverages Accident & Health, Auto Comm-Standard, Auto Pers-Standard, Boiler & Machinery, BOP, Business Income, Business Interruption, EPLI, Flood, Glass, Homeowners Pkg, Medical, Misc Professional Liab, Professional Liab, Umbrella Carrier Status Admitted States All States

Insurtec Tanning and Spa Insurance

Coverages Abuse & Molestation, CGL, Misc Professional, Real & Business Personal Prop States CT, MA, ME, NH, RI

Gorst & Compass Insurance

Philadelphia Insurance Companies

Great American Ins. Group, Specialty Human Services

Prime Insurance Company

Irwin Siegel Agency Inc.

Coverages Abuse & Molestation, Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Crime, D&O, Developmental Disabilities, Disability, Environmental Liab, EPLI, Excess Liab, Fire Legal Liab, GL, Hired & Nonowned Auto, Inland Marine, Medical & Physical Rehab, Medical Payments, Mental Health Care, Pollution Liab, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States

M.J. Kelly Company

Coverages Business Income, CGL, Commercial Excess, Completed Operations Liab, EPLI, GL, Liability, Professional Liab, Property, Umbrella States AR, CO, FL, IA, ID, IL, KS, MO, MS, MT, NM, OK, TN, TX, UT

Markel Specialty

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

Monarch E&S Insurance Services

Coverages Abuse & Molestation, CGL Carrier Status Non-admitted States CA

Negley Associates

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

Philadelphia Insurance Companies

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

Prime Insurance Company

Roush Insurance Services Inc.

Coverages Abuse & Molestation, Accident & Health, Auto Comm-Nonstandard, Blanket Addt’l Insureds, Business Income, Business Interruption, CGL, Commercial Excess, Crime, D&O, Excess Liab, Fire, Fire Legal Liab, Glass, Hired & Non-owned Auto, Inland Marine, Liability, Medical Payments, Professional Liab, Property, Real & Business Personal Prop, Sexual Misconduct, Spoilage, Student Accident, Theft, Umbrella Carrier Status Admitted, Non-admitted States IL, IN, OH

INSURANCEJOURNAL.COM

Coverages Professional Liab, Property States All States except LA

Coverages Commercial Marine, Environmental Liab, Pollution, Pollution Liab Carrier Status Admitted States All States

Delta General Agency Corp.

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

Empire Underwriters LLC

Coverages CGL, Motor Truck Cargo, Workers' Comp Carrier Status Admitted, Non-admitted States AL, FL, GA, NC, PA, SC, TN, VA

International Excess Companies

Coverages Auto Comm-Nonstandard, Auto CommNonstandard Phys Dmg, Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Business Income, Business Interruption, Cargo, CGL, Commercial Excess, Crime, Environmental Liab, EPLI, Equipment, Equipment Breakdown, Fire, Food Spoilage, GL, Hired & Non-owned Auto, Inland Marine, Liability, Occupational Accident, Pollution Liab, Property, Theft, Transportation Pollution Liability, Truck Auto Liability, Umbrella Carrier Status Admitted, Non-admitted States All States

Norman-Spencer Agency Inc.

Professional Program Insurance Brokerage

Coverages Abuse & Molestation, BOP, Commercial Excess, GL, Personal Property, Products Liab, Professional Liab Carrier Status Non-admitted States All States

SASSI - Salon & Spa Specialty Insurance

Sports & Fitness Insurance Corporation (SFIC)

Coverages Accident & Health, Accidental Death, Auto Comm-Standard, Auto Comm-Standard Liability, BOP, EPLI, Fine Arts, Fire Legal Liab, Flood, Glass, Pool & Spa Liab, Professional Liab, Property, Umbrella Carrier Status Admitted States All States

Universal Insurance Programs

Dealers-Home Heating Oil

Coverages Auto Comm-Standard Liability, Excess Liab Carrier Status Non-admitted States All States

Parcel Insurance Plan

Coverages Cargo, Inland Marine Carrier Status Admitted States All States

Paul Hanson Partners Specialty Ins./Mover's Choice

Coverages Auto Comm-Standard Liability & Physical Damage, Cargo, CGL, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States

Prime Insurance Company

Dentists Monitor Liability Managers

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

Rockwood Programs Inc.

Coverages Cyber Liab, E&O, EPLI, Professional Liab Carrier Status Admitted, Non-admitted States All States except AK, WA

TDC Specialty Underwriters

Coverages Liability, Medical Malpractice, Professional Liab Carrier Status Admitted, Non-admitted States All States except KS, NH, NY

Developmental Disability Facilities 5Star Paratransit Program

Prime Insurance Company

Dealers-Propane AmWINS Group Inc. - 100 Locations Worldwide

Coverages Auto Comm-Standard, Crime, Equipment Breakdown, Excess Liab, GL, Inland Marine, Property, Umbrella Carrier Status Admitted, Non-admitted States All States

Prime Insurance Company

Delivery- Wholesale/Retail 5Star Business Auto Program (Misc. classes)

Axon Underwriting LLC

Coverages Auto Comm-Nonstandard, CGL, Excess Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States except AK, DC, HI

Day Spas

Coverages Addt’l Expense, BOP, Business Income, Business Interruption, CGL, Crime, EPLI, Equipment Breakdown, Fire Legal Liab, Hired & Non-owned Auto, Misc Professional Liab, Professional Liab, Property, Tanning Liab Carrier Status Non-admitted States All except AK, NY

Coverages Auto Comm-Nonstandard, Auto CommNonstandard Phys Dmg, Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Cargo Carrier Status Admitted States AZ, CA, NV

Burns & Wilcox - All Offices

Agency Intermediaries Inc.

Coverages CGL, Property Carrier Status Non-admitted States CA

Align General Insurance Agency LLC

Coverages Auto Comm-Standard Liability & Physical Damage, Hired & Non-owned Auto, Medical Payments, Uninsured Motorists Carrier Status Admitted States Most States

Coverages Auto Comm-Standard Liability & Physical Damage, EPLI, Excess Liab, GL, Medical Payments, Physical Damage, Umbrella, Uninsured Motorists Carrier Status Admitted States Most States

AFC Insurance

Irwin Siegel Agency Inc.

Coverages Abuse & Molestation, Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Crime, D&O, Developmental Disabilities, Disability, Environmental Liab, EPLI, Excess Liability, Fire Legal Liability, GL, Hired & Non-owned Auto, Inland Marine, Medical & Physical Rehab, Medical Payments, Mental Health Care, Pollution Liability, Professional Liability, Property, Umbrella Carrier Status Admitted, Non-admitted States All States

Markel Specialty

Coverages Abuse & Molestation, CGL, Crime, Cyber Liab, Inland Marine, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States

DECEMBER 4, 2017 INSURANCE JOURNAL | NATIONAL | 45

2017 Annual Program Directory, Volume II Negley Associates

PEO Brokers Group

NIF Group Inc.

Prime Insurance Company

Coverages CGL, Professional Liab Carrier Status Non-admitted States All States Coverages Abuse & Molestation, Addiction Treatment, Auto Comm-Standard, Boiler & Machinery, Business Income, Business Interruption, Community/Social Svcs, D&O, Developmental Disabilities, E&O, EPLI, Fiduciary Liab, Fire Legal Liab, Inland Marine, Liability, Medical & Physical Rehab, Medical Malpractice, Medical Payments, Products Liab, Professional Liab, Umbrella Carrier Status Admitted States All States except HI, LA

Nonprofits Insurance Alliance Group

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

Philadelphia Insurance Companies

Coverages Abuse & Molestation, Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Professional Liab, Property, Real & Business Personal Prop, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA

Prime Insurance Company

RPS PNP

Dialysis Centers Pro-Praxis Insurance

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

Quaker Special Risk (New Jersey)

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

Distributors 5Star D&O Program

Coverages D&O, EPLI, Fiduciary Liab Carrier Status Admitted States All States

AmWINS Group Inc. - 100 Locations Worldwide

Coverages GL, Legal Liab, Motor Truck Cargo, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Appleby & Sterling

Coverages Business Income, CGL, Property Carrier Status Admitted States AZ, CA, NV

Axon Underwriting LLC

Coverages All Risks/Cash in Transit, Commercial Marine, Environmental Liab, Pollution, Pollution Liab Carrier Status Admitted States All States

Brownyard Group

Joseph Chiarello & Co., Inc.; Firearms Business Ins.

Coverages CGL, Equipment Breakdown, Firearms Liability, Inland Marine, Property, Umbrella Carrier Status Admitted States All States

MexiPass International Insurance Services LLC Coverages Int’l Coverage - Commercial, Int’l Coverage Personal Carrier Status Admitted States All States

Coverages WC - Master Policies/ASO, Workers’ Comp, Workers’ Comp Plus (Alternative) States All States Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States All States

Professional Program Insurance Brokerage

Coverages Abuse & Molestation, Blanket Addt’l Insureds, CGL, Commercial Excess, EPLI, GL, Liability, Products Liab, Property Carrier Status Non-admitted States All States

Rockwood Programs Inc.

Coverages Cyber Liab, EPLI Carrier Status Admitted, Non-admitted States All States except AK, WA

Driving Ranges Philadelphia Insurance Companies

Prime Insurance Company

T.H.E. Insurance Company

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

Dry Cleaners/Laundries Intercorp Inc.

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

Irving Weber Associates Inc. (IWA)

Coverages Auto Comm-Standard, Bailee/Customer Goods, Blanket Addt’l Insureds, Boiler & Machinery, BOP, Business Income, Business Interruption, Care/Custody/Control, Damage in Process, Employee Benefits, Environmental Liab, EPLI, Equipment Breakdown, Furriers Customers, GL, Glass, Hired & Non-owned Auto, Identity Theft, Mechanical Breakdown, Mysterious Disappearance, Pollution, Pollution Liab, Property, Real & Business Personal Prop, Theft, Umbrella, Workers’ Comp Carrier Status Admitted States All States except DC, FL, IN, LA

UCA General Insurance Services

Coverages Bailee/Customer Goods, Business Income, Business Interruption, CGL, Crime, Cyber Liab, Equipment Breakdown, Liability, Mechanical Breakdown, Property, Theft, Umbrella Carrier Status Admitted States AZ, CA, ID, IL, NV, OR, UT, WI

Virtue Risk Partners LLC

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

Dude Ranches Allen Financial Ins. Group / The Equestrian Group

Coverages Auto Comm-Standard, CGL, Commercial Excess, Excess Liab, Horse Mortality, Livestock/Animal Mortality, New Occurrence Carrier Status Admitted States All States except AK, DC, FL, HI, LA, NY

IT Risk Managers Inc.

Coverages BOP, CGL, Cyber Liab, D&O, EPLI, Livestock/ Animal Mortality, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except AK, HI

Philadelphia Insurance Companies

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

Prime Insurance Company

46 | INSURANCE JOURNAL | NATIONAL DECEMBER 4, 2017

T.H.E. Insurance Company

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

E-cigarette Manufacturers/Distributors AAU, A division of USG Insurance Services

Coverages CGL, Excess Liab, GL, Products Liab, Property Carrier Status Admitted, Non-admitted States All States

Aspera Insurance Services Inc.

Coverages CGL, Excess Liab Carrier Status Non-admitted States CA, FL

Calco Commercial Insurance

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

Professional Program Insurance Brokerage

Coverages Abuse & Molestation, Blanket Addt’l Insureds, CGL, Commercial Excess, EPLI, GL, Liability, Products Liab, Property Carrier Status Non-admitted States All States

Emergency Service Org’s Prime Insurance Company

Pro-Praxis Insurance

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

Employee Leasing Firms Prime Insurance Company

RPS Technology & Cyber

World Wide Specialty Programs Inc.

Employment Agencies NeitClem Wholesale Insurance Brokerage Inc.

Coverages Blanket Wrongful Acts, Liability, Medical Malpractice, Professional Liab Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX

Philadelphia Insurance Companies

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

RPS Technology & Cyber

Target Professional Programs

Coverages Auto Comm-Standard, Auto Comm-Standard Liability, BOP, Business Income, Business Interruption, Care/Custody/Control, CGL, Commercial Excess, Crime, E&O, EPLI, Equipment Breakdown, Fidelity, Fire, Fire Legal Liab, GL, Hired & Non-owned Auto, Legal Expense Ins, Legal Liab, Liability, Personal Property, Professional Liab, Property, Real & Business Personal Prop, Theft Carrier Status Admitted States All States

INSURANCEJOURNAL.COM

2017 Annual Program Directory, Volume II World Wide Specialty Programs Inc.

Engineers-Environmental Access E&S Insurance Services (VA)

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

Beacon Hill Associates Inc.

Coverages CGL, E&O, Pollution States All States

Intercorp Inc.

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

Pioneer Underwriters

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

Prime Insurance Company

Target Professional Programs

Entertainment Equipment Rental Houses AFG Partners

Coverages GL, Property, Props Carrier Status Admitted, Non-admitted States All States except WY

All Risks Ltd.

Coverages Excess Liability, GL, Hired & Non-owned Auto, Inland Marine, Liquor Liability, Medical Payments, Physical Damage, Products Liability, Umbrella Carrier Status Non-admitted States All States

JD Fulwiler & Company Insurance

Coverages Auto Comm-Standard, Business Income, Equipment, Inland Marine, Umbrella, Workers’ Comp Carrier Status Admitted States All States except WY

Prime Insurance Company

Environmental Engineers/Consultants/ Contractors AAU, A division of USG Insurance Services

Coverages Auto Comm-Standard, Contractors Equip, Environmental Liab, GL, Inland Marine, Pollution, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Access E&S Insurance Services (VA)

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

Tokio Marine/HCC

Axon Underwriting LLC

Victor O. Schinnerer & Company

Beacon Hill Associates Inc.

Coverages Pollution Liab, Professional Liab Carrier Status Admitted States All States

Virtue Risk Partners LLC

Coverages Auto Comm-Standard, CGL, Commercial Excess, E&O, Environmental Liab, Workers’ Comp Carrier Status Non-admitted States All States

Engineers-Geotechnical Freberg Environmental Inc.

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

Prime Insurance Company

Tokio Marine/HCC

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

Victor O. Schinnerer & Company

Coverages Pollution Liab, Professional Liab Carrier Status Admitted States All States

Entertainer Buses 5Star Public Auto Program

Coverages Auto Comm-Standard Liability & Physical Damage, Cargo, EPLI, Excess Liab, GL, Hired & Non-owned Auto, Pollution Liab, Umbrella, Uninsured Motorists, Workers’ Comp Carrier Status Admitted States All States

Coverages CGL, E&O, Pollution States All States

Berkley Specialty Underwriting Mgrs - Environmental Div Coverages Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Blanket Addt’l Insureds, Blanket Waivers, Environmental Liab, Excess Liab, GL, Pollution, Professional Liab, Railroad Protective Liab, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Western Experts in Transportation

Coverages Auto Comm-Standard Carrier Status Admitted States AZ, CO, MN, NM, TX, UT, WA, WY

INSURANCEJOURNAL.COM

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

USX/S

Coverages CGL, Commercial Excess, Completed Operations Liab, Contractors Equip, Cyber Liab, E&O, Environmental Liab, GL, Identity Theft, Pollution Liab, Professional Liab Carrier Status Non-admitted States All States

Virtue Risk Partners LLC

Coverages Auto Comm-Standard, CGL, Commercial Excess, E&O, Environmental Liab, Workers’ Comp Carrier Status Non-admitted States All States Coverages CGL, Commercial Excess, Contractors Equip, D&O, E&O, Environmental Liab, EPLI, Excess Liab, GL, Liability, New Occurrence, Pollution Liab, Products Liab, Professional Liab, Residential Property, Residential `wrapup`, Umbrella Carrier Status Admitted, Non-admitted States All States

Equipment Dealers/Rentals

Prime Insurance Company

Williams & Stazzone Insurance Agency Inc.

Burns & Wilcox - All Offices

Freberg Environmental Inc.

Affinity Nonprofits

Coverages CGL, Environmental Liab, Excess Liab, Inland Marine, Property, Umbrella Carrier Status Admitted, Non-admitted States All States except AK, DC, HI Coverages Blanket Addt’l Insureds, CGL, Commercial Excess, E&O, EPLI, GL, Hired & Non-owned Auto, Pollution, Pollution Liab, Professional Liab, Transportation Pollution Liab, Umbrella Carrier Status Non-admitted States All States

Intercorp Inc.

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

J.M. Wilson

Coverages CGL, Pollution, Professional Liab Carrier Status Admitted, Non-admitted States AL, AR, GA, IA, IL, IN, KS, KY, MI, MO, NC, NE, OH, OK, PA, SC, TN, VA, WI, WV

Norman-Spencer International Inc.

Coverages E&O, Professional Liab Carrier Status Admitted States All States except AK, HI Coverages CGL, E&O, Pollution Carrier Status Non-admitted States All States

Philadelphia Insurance Companies

Roush Insurance Services Inc.

Exercise/Health Studios/Health Clubs Coverages D&O, Workers’ Comp Carrier Status Admitted States All States except DC, LA, NM, VA

Great American Ins. Group, Specialty Human Svcs Coverages Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Boiler & Machinery, Business Income, CGL, Commercial Excess, Completed Operations Liab, Crime, Educator Legal Liab, Equipment Breakdown, Excess Liab, Fidelity, Fine Arts, Fire Legal Liab, GL, Historic Bldgs/Unique Property, Inland Marine, Liability, Liquor Liability, Medical Payments, Property, Real & Business Personal Property, Sexual Misconduct, Umbrella Carrier Status Admitted States All States except HI, LA, OK

K&K Insurance Group Inc.

Coverages CGL, Crime, Excess Liab, Inland Marine, Property Carrier Status Admitted States All States

M.J. Kelly Company

Coverages Business Income, CGL, Commercial Excess, EPLI, GL, Liability, Professional Liab, Umbrella States AR, CO, FL, IA, ID, IL, KS, MO, MS, MT, NM, OK, TN, TX, UT

PartnerOne Environmental

Prime Insurance Company

Tokio Marine/HCC

Coverages EPLI, Equipment, Garage Keepers Legal Liab, Garage Liability, Inland Marine, Property, Umbrella States All States

National Indemnity Company

Prime Insurance Company

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

Coverages Auto Comm-Standard, Inland Marine, Liability, Property, Umbrella Carrier Status Admitted States All States

Coverages Auto Comm-Standard, Auto Comm-Standard Phys Dmg, Commercial Excess, Garage Keepers Legal Liab, Garage Liability, GKLL, GL, Hired & Non-owned Auto, Uninsured Motorists, Workers’ Comp Carrier Status Admitted States All States except LA, MA Coverages Auto Comm-Nonstandard, Auto CommNonstandard Phys Dmg, Liability, Medical Payments, Uninsured Motorists Carrier Status Admitted, Nonadmitted States All States except HI, MA, NJ, NY

Target Professional Programs

Ascinsure Specialty Risk

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

Coverages Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Business Income, Business Interruption, CGL, D&O, Equipment Breakdown, Fiduciary Liab, GL, Hired & Non-owned Auto, Inland Marine, NonTrucking Auto Liab, Professional Liab, Property, Umbrella Carrier Status Admitted States All States except LA

KF&B Program Managers Insurance Services

Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, COC, Commercial Excess, Completed Operations Liab, E&O, Environmental Liab, EPLI, Excess Liab, Hired & Non-owned Auto, Pollution, Pollution Liab, Products Liab, Professional Liab, Transportation Pollution Liab Carrier Status Admitted, Non-admitted States All States except AK, HI, UT, WY

Worldwide Facilities LLC

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

Russell Bond & Co. Inc.

Coverages Auto Comm-Nonstandard, Blanket Addt’l Insureds, Blanket Waivers, CGL, Commercial Excess, Completed Operations Liab, Contractors Equip, E&O, Environmental Liab, Excess Liab, Fidelity, Fidelity Bonds, GL, Hired & Non-owned Auto, Inland Marine, Liability, Motor Truck Cargo, Pollution, Pollution Liab, Products Liab, Professional Liab, Property, Real & Business Personal Prop, Service Contracts, Truck Auto Liab, Umbrella, Workers’ Comp Carrier Status Non-admitted States IL, IN, OH

Markel Specialty

Coverages Abuse & Molestation, CGL, Crime, Inland Marine, Property, Umbrella Carrier Status Admitted States All States except HI

Monarch E&S Insurance Services

Coverages CGL, Professional Liab, Property States CA

NeitClem Wholesale Insurance Brokerage Inc.

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

Philadelphia Insurance Companies

Coverages Abuse & Molestation, Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Liquor Liab, Non-Trucking Auto Liab, Professional Liab, Property, Real & Business Personal Prop, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA

DECEMBER 4, 2017 INSURANCE JOURNAL | NATIONAL | 47

2017 Annual Program Directory, Volume II Prime Insurance Company

RPS Bollinger Sports & Leisure

Coverages Liability, Property Carrier Status Admitted States All States

Safehold Special Risk

Sovereign Group Int’l Inc.

IT Risk Managers Inc.

Coverages Cyber Liab, D&O, E&O, EPLI, Misc Professional Liab, Professional Liab, Property, Technology E&O, Umbrella, Workers’ Comp Carrier Status Admitted, Nonadmitted States All States except AK, HI

Markel Specialty

SterlingRisk Programs

Coverages Auto Comm-Standard, Care/Custody/Control, GL, Inland Marine, Property, Umbrella Carrier Status Admitted States All States except AK, HI

Western Security Surplus Insurance Brokers Inc.

Professional Liability Ins. Svcs - Underwriting Facilities

Meridian Finance Group

Coverages Performance & Payment Bonds, Products Liab States All States

Parcel Insurance Plan

Coverages Cargo, Inland Marine Carrier Status Admitted States All States

Family Fun Centers Evolution Insurance Brokers

Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property States All States

T.H.E. Insurance Company

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

Farm & Ranch Abram Interstate Insurance Services Inc.

Coverages Care/Custody/Control, CGL, Fire, GL, Livestock/ Animal Mortality, Property, Umbrella Carrier Status Admitted, Non-admitted States AZ, CA, CO, ID, MT, NM, NV, OR, UT, WA, WY

South & Western General Agency Inc.

Coverages Auto Comm-Standard, Fire, GL, Inland Marine, Umbrella Carrier Status Admitted States AR, MS, NM, OK, TN, TX

Southern Insurance Underwriters Inc. CMGA

Coverages Business Income, CGL, Commercial Excess, GL, Herbicide & Pesticide, Inland Marine, Liability, Livestock/ Animal Mortality, Personal Property, Property, Umbrella Carrier Status Admitted States Most States Coverages Auto Comm-Nonstandard, Auto Comm-Standard, Auto Pers-Nonstandard, Auto Pers-Standard, GL, Property Carrier Status Admitted, Non-admitted States TX Coverages Accident & Health, Accidental Death, Addt’l Expense, Addt’l Living Expense, Auto Comm-Standard, Auto Comm-Standard Liability, Auto Pers-Nonstandard, Auto Pers-Standard, Boats, Builders Risk, Business Income, Business Interruption, Catastrophe, CGL, Commercial Marine, Control of Well, Crime, Disability, Dwelling Fire, Earthquake, EPLI, Equipment Breakdown, Flood, GL, Hail, Herbicide & Pesticide, Homeowners Pkg, Horse Mortality, Inland Marine, Installation Floaters, Liability, Livestock/ Animal Mortality, Medical, Mobile Home Ins, Mortality, Motor Truck Cargo, OCP, On-Hook Cargo, Piers & Docks, Pollution, Property Carrier Status Admitted, Non-admitted States All States

Fast Food Restaurants Advanced E&S Group - Midwest Region

Coverages Business Income, Business Interruption, CGL, Crime, Fire, Food Spoilage, GL, Glass, Liability, Personal Property, Property, Real & Business Personal Prop, Theft Carrier Status Admitted, Non-admitted States IA, IL, IN, KS, KY, MI, MN, MO, NE, NJ, NY, OH, PA, VA, WI

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

Festivals & Fairs All Risks Ltd.

Coverages Excess Liab, GL, Hired & Non-owned Auto, Inland Marine, Liquor Liability, Medical Payments, Physical Damage, Products Liability, Umbrella Carrier Status Non-admitted States All States

JD Fulwiler & Company Insurance

Coverages Assault & Battery, Auto Comm-Standard, CGL, Crime, D&O, EPLI, Event Cancellation, Liquor Liab, Umbrella, Weather, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except WY

Philadelphia Insurance Companies

Coverages Abuse & Molestation, CGL, Property Carrier Status Admitted States All States except LA

Prime Insurance Company

Professional Program Insurance Brokerage

Coverages Abuse & Molestation, Blanket Addt’l Insureds, Commercial Excess, EPLI, GL, Liability, Products Liab, Professional Liab, Property Carrier Status Non-admitted States All States

T.H.E. Insurance Company

www.insurancehelper.com

Coverages Liability, Property Carrier Status Admitted, Non-admitted States CA

Continental Brokers Inc.

Crusader Insurance Company

Coverages Liability, Property Carrier Status Admitted States AZ, CA

Fertilizer Suppliers Sierra Specialty

Anderson & Murison Inc.

Allen Financial Ins. Group / The Equestrian Group

Appleby & Sterling

Coverages CGL, Inland Marine, Pollution Liab, Professional Liab, Property, Umbrella Carrier Status Admitted, Nonadmitted States All States

Coverages Hired & Non-owned Auto, Workers’ Comp Carrier Status Admitted States Most States

Coverages Auto Comm-Standard, Care/Custody/Control, CGL, Commercial Excess, Equipment Breakdown, Excess Liab, Horse Mortality, Property, Umbrella Carrier Status Admitted States Most States Coverages Auto Comm-Standard, Auto Comm-Standard Phys Dmg, Boiler & Machinery, Business Interruption, Care/Custody/Control, Commercial Excess, Earthquake, Fire, Flood, Herbicide & Pesticide, Hired & Non-owned Auto, Homeowners Pkg, Horse Mortality, Inland Marine, Livestock/Animal Mortality, Mortality, Products Liab, Uninsured Motorists, Watercraft Liab Carrier Status Admitted States All States except DC

Coverages Fire, Horse Mortality, Livestock/Animal Mortality Carrier Status Admitted States All States except DC

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

All Risks Ltd.

Coverages Accident & Health, Accidental Death, Boiler & Machinery, BOP, Builders Risk, Business Interruption, Crime, Disability, Earthquake, EPLI, Fire, Flood, Food Borne Illness, Food Spoilage, Hired & Non-owned Auto, Homeowners Pkg, Medical, Personal Property, Property, Sets, Spoilage, Theft, Umbrella Carrier Status Admitted States All States

Agricultural Insurance Mgmt Services

Feed Lots

Sierra Specialty

Wildlife Insurance Underwriters LLC

Prime Insurance Company

Coverages Business Income, CGL, Cyber Liab, EPLI, Equipment Breakdown, Fire Legal Liab, Hired & Non-owned Auto, Medical Payments, Property, Umbrella Carrier Status Admitted States AZ, CA, ID, IL, NV, OR, UT, WA, WI

Coverages CGL, Combo Personal & Commercial, Dwelling Fire, Equipment, Inland Marine, Livestock/Animal Mortality, Property Carrier Status Admitted, Non-admitted States All States

Sierra Specialty

NeitClem Wholesale Insurance Brokerage Inc.

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

UCA General Insurance Services

Mark D. Fredricksen Insurance Services

Tejas American General Agency

Philadelphia Insurance Companies

Coverages Excess Liab, Umbrella Carrier Status Admitted States All States

Coverages Business Interruption, Food Borne Illness Carrier Status Non-admitted States All States

Coverages Abuse & Molestation, D&O, Fire, Fire Legal Liab, Liability, Misc Professional Liab, Sexual Misconduct, Theft, Tools & Equip Carrier Status Non-admitted States Most States Coverages GL, Property Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX

Southern Insurance Underwriters Inc. CMGA

Coverages Auto Comm-Standard, Care/Custody/Control, CGL, Commercial Excess, Earthquake, Excess Liab, Horse Mortality, Property, Umbrella Carrier Status Admitted States All States except AK, DC, FL, HI

Prime Insurance Company

Exporters

Coverages Business Income, Business Interruption, Food Borne Illness Carrier Status Non-admitted States All States Coverages Assault & Battery, Business Income, Business Interruption, CGL, EPLI, Fire, Fire Legal Liab, Flood, Hail, Hired & Non-owned Auto, Liability, Liquor Liab, Spoilage, Theft, Trade Shows & Festivals, Wind Carrier Status Admitted, Non-admitted States AL, FL, GA, KY, MI, MS, NC, SC, TN, TX

Mark D. Fredricksen Insurance Services

Coverages Bailee/Customer Goods, Business Income, Business Interruption, CGL, Commercial Excess, Fire, GL, Inland Marine, Liability, Pool & Spa Liab, Professional Liability, Property, Tanning Liability, Umbrella Carrier Status Non-admitted States MA, NJ, NY Coverages Assault & Battery, Business Income, CGL, Fire, Fire Legal Liab, GL, Liability, Medical Payments, New Occurrence, Pool & Spa Liab, Professional Liab, Property, Tanning Liab, Umbrella Carrier Status Admitted, Non-admitted States CA, TX

Professional Liability Ins. Svcs - Underwriting Facilities

Coverages GL, Liquor Liab, Property Carrier Status Admitted States CA

National Insurance Underwriters

Coverages BOP, Food Spoilage, Glass, Personal Property Carrier Status Non-admitted States AL, AR, AZ, CO, CT, DC, FL, GA, IL, IN, KS, LA, MD, MI, MO, NC, NJ, NV, NY, OH, PA, SC, TN, TX, VA

PEO Brokers Group

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

48 | INSURANCE JOURNAL | NATIONAL DECEMBER 4, 2017

Financial Institutions All Risks Ltd.

Coverages Collateral Protection, Flood, GL, Mortgage Impairment Carrier Status Admitted, Non-admitted States All States except HI

Axon Underwriting LLC

Coverages Cyber Liab, D&O, E&O, EPLI, Fiduciary Liab Carrier Status Non-admitted States All States

Floodwatch

Coverages Excess Flood, Flood Carrier Status Admitted, Non-admitted States All States except DC

Gerald J. Wilkoff Inc.

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

INSURANCEJOURNAL.COM

2017 Annual Program Directory, Volume II Innovative Risk Solutions

Coverages Blanket Forced Placed, Collateral Protection, D&O, Force Place Fire Cvrg, Foreclosed Properties, Mortgage Impairment, Mortgage REO Cvrg, Professional Liab Carrier Status Admitted, Non-admitted States All States except AK, HI

Insurmark, Div of Financial & Professional Risk Solutions

Meridian Finance Group

Coverages Int’l Coverage - Commercial, Political Risk States All States

Pioneer Underwriters

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

ProSurance Group Inc.

Coverages Crime, E&O, Excess Liab, Fidelity, Fidelity Bonds, Professional Liab Carrier Status Admitted, Non-admitted States All States

Russell Bond & Co. Inc.

Coverages Blanket Forced Placed, CGL, COC, Cyber Liab, D&O, E&O, Environmental Liab, EPLI, Fidelity, Fidelity Bonds, Fiduciary Liab, Force Place Fire Cvrg, Foreclosed Properties, Identity Theft, Interim Car Liab/ Phys Dmg, Kidnap/Ransom, Lessor Only Excess Liab, Lessors Contingent Liab, Lessors Contingent Phys Dmg, Misc Professional Liab, Mortgage Impairment, Mortgage REO Cvrg, Professional Liab, Reps & Warranties, Umbrella Carrier Status Admitted, Non-admitted States All States except AK, HI, UT, WY

U.S. Risk Insurance Group LLC

Coverages Auto Comm-Standard, Auto Comm-Standard Phys Dmg, Blanket Addt’l Insureds, Blanket Forced Placed, Blanket Waivers, Boiler & Machinery, Business Income, Business Interruption, CGL, Commercial Excess, Crime, Cyber Liab, D&O, Difference in Conditions, E&O, EPLI, Equipment, Equipment Breakdown, Fidelity, Fidelity Bonds, Fiduciary Liab, Foreclosed Properties, GL, Glass, Hired & Non-owned Auto, Kidnap/Ransom, Lessors Contingent Liab, Lessors Contingent Phys Dmg, Mechanical Breakdown, Physical Damage, Professional Liab, Property, Technology E&O, Theft, Umbrella, Wind, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

van Wagenen Financial Services

Coverages Blanket Addt’l Insureds, Blanket Forced Placed, Boiler & Machinery, CGL, Collateral Protection, Compliance Mgmt, E&O, Force Place Fire Cvrg, Foreclosed Properties, Lessors Contingent Liab, Lessors Contingent Phys Dmg, Mortgage REO Cvrg, Residential Property Carrier Status Admitted States All States except DC

Financial Planners CalSurance Assoc, Div. of Brown & Brown Program Ins. Coverages BOP, E&O, Professional Liab Carrier Status Non-admitted States All States

Joseph Chiarello & Co.; Firearms Business Ins.

Monitor Liability Managers

Prime Insurance Company

Nonprofits Insurance Alliance Group

Coverages CGL, Crime, Equipment Breakdown, Firearms Liability, Liquor Liab, Medical Payments, Products Liab, Property, Umbrella Carrier Status Admitted States All

Food Trucks Ascinsure Specialty Risk

Coverages Auto Comm-Standard, Inland Marine, Liability, Property, Umbrella States All States

Food Vendors www.insurancehelper.com

Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Event Cancellation, Fire Legal Liab, GL, Hired & Non-owned Auto, Liability, Liquor Liab, Medical Payments, Participant Accident, Personal Liab, Products Liab, Trade Shows & Festivals, Weather Carrier Status Non-admitted States All States

Forestry Services

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

Philadelphia Insurance Companies

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

Fraternal Organizations Gateway Specialty Insurance

Arrowhead General Insurance Agency Inc.

Coverages Earthquake, Equipment, Equipment Breakdown, Flood Carrier Status Admitted States All States

Ascinsure Specialty Risk

Coverages Auto Comm-Standard, Inland Marine, Liability, Property, Umbrella States All States

Keith D. Peterson & Company Inc.

Pennsylvania Lumbermens Mutual Insurance Company

Coverages Auto Comm-Standard, CGL, Commercial Marine, EPLI, Equipment Breakdown, Inland Marine, Liability, Property, Umbrella Carrier Status Admitted States All

Safehold Special Risk

Coverages Auto Comm-Standard Phys Dmg, Catastrophe, CGL, Damage in Process, Environmental Liab, Equipment, Equipment Breakdown, GL, Hired & Non-owned Auto, Liability, Mechanical Breakdown, Pollution, Pollution Liab, Portable Equip, Property, Tools & Equip, Transportation Pollution Liab, Truck Auto Liab, Umbrella, Workers’ Comp Carrier Status Admitted States All States except AK, HI, MA

Victor O. Schinnerer & Company

Coverages Auto Comm-Standard, GL, Property Carrier Status Admitted States All States except CA, NY

Foster Care AFC Insurance

Coverages Abuse & Molestation, Crime, E&O, EPLI, GL, Liquor Liab, Non-Profit D&O, Property Carrier Status Non-admitted States All except AK, LA, WV

Great American Ins. Group, Specialty Human Services

Coverages Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Boiler & Machinery, Business Income, CGL, Commercial Excess, Completed Operations Liab, Crime, Educator Legal Liab, Equipment Breakdown, Excess Liab, Fidelity, Fine Arts, Fire Legal Liab, GL, Historic Bldgs/Unique Property, Inland Marine, Liability, Liquor Liab, Medical & Physical Rehab, Property, Real & Business Personal Property, Sexual Misconduct, Umbrella Carrier Status Admitted States All States except HI, LA, OK

Funeral Directors 5Star Business Auto Program (Misc. classes)

Coverages Auto Comm-Standard Liability & Physical Damage Carrier Status Admitted States All States except CA, LA, MA

Garages 5Star Garage Services & Auto Dealers Program

Coverages Auto Comm-Standard Liability & Physical Damage, CGL, EPLI, Fire Legal Liab, Garage Keepers Legal Liab, Garage Liability, Uninsured Motorists, Workers’ Comp Carrier Status Non-admitted States All States

All Risks Ltd.

Coverages Crime, Garage Keepers Legal Liab, Garage Liability, Medical Payments, Physical Damage, Professional Liab, Property, Uninsured Motorists, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States

Coverages E&O Carrier Status Admitted, Non-admitted States All States except DC

Coverages Abuse & Molestation, Accident & Health, Auto Comm-Standard, Professional Liab, Property, Umbrella Carrier Status Admitted States All States

ProSurance Group Inc.

Negley Associates

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

Coverages Auto Comm-Standard, E&O, Garage Liability, GKLL, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Nonprofits Insurance Alliance Group

AmWINS Group Inc. - 100 Locations Worldwide

Markel Specialty

Coverages Crime, E&O, Fidelity, Fidelity Bonds, Insurance Broker Bonds, Professional Liab Carrier Status Admitted, Non-admitted States All States

Fine Art Collections Ascinsure Specialty Risk

Coverages Auto Comm-Standard, Inland Marine, Liability, Property, Umbrella States All States

Markel Specialty

Coverages Auto Comm-Standard, Business Interruption, Crime, GL, Property, Umbrella Carrier Status Admitted States All States except DC, HI

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

RPS PNP

MiniCo Insurance Agency LLC

Coverages Auto Comm-Standard, Excess Liab, GL, Property Carrier Status Admitted, Non-admitted States All States

Monarch E&S Insurance Services

Affinity Nonprofits

Coverages Fine Arts, Fire, Mysterious Disappearance, Personal Property, Physical Damage, Theft Carrier Status Admitted States All States Coverages Earthquake, Excess Flood, Fire, Inland Marine, Mysterious Disappearance, PAF Carrier Status Admitted States CA

Firearms Dealers IT Risk Managers Inc.

Coverages CGL, Firearms Liability, Personal Property, Products Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except AK

INSURANCEJOURNAL.COM

Foundations

Alliant Specialty Insurance Services Inc.

Coverages Dealers Open Lot, Fire Legal Liab, Garage Keepers Legal Liab, Garage Liability, Medical Payments, Uninsured Motorists States All States

Arrowhead General Insurance Agency Inc.

Coverages Auto Comm-Standard Liability & Physical Damage, Crime, Equipment Breakdown, Garage Keepers Legal Liab, Property, Umbrella Carrier Status Admitted States All States except FL, TX

Burns & Wilcox - All Offices

Coverages Auto Comm-Standard, Auto Comm-Standard Phys Dmg, Garage Keepers Legal Liab, Garage Liability, GKLL, Property Carrier Status Admitted, Non-admitted States All States except AK, DC, HI

Crouse & Associates

Coverages D&O, EPLI, Fiduciary Liab, Non-Profit D&O Carrier Status Admitted States All States except HI

Great American Ins. Group, Specialty Human Services

Coverages Garage Liability, GKLL Carrier Status Non-admitted States All States

DMI Insurance Services

DECEMBER 4, 2017 INSURANCE JOURNAL | NATIONAL | 49

2017 Annual Program Directory, Volume II Empire Underwriters LLC

Coverages Assault & Battery, Auto Comm-Standard Liability, Blanket Addt'l Insureds, Blanket Waivers, BOP, Garage Liability, GKLL, Pollution, Products Liability, Workers' Comp Carrier Status Admitted, Non-admitted States AL, AR, AZ, CA, FL, GA, IL, KY, LA, MI, MO, MS, NC, NJ, NM, NV, NY, OH, PA, SC, TN, TX, VA, WI, WV

Evolution Insurance Brokers

Coverages Auto Comm-Nonstandard, Auto CommNonstandard Phys Dmg, Bailee/Customer Goods, Blanket Wrongful Acts, Business Interruption, Care/Custody/ Control, D&O, Fire, Fire Legal Liability, Garage Keepers Legal Liability, Garage Liability, Liability, Theft, Tools & Equipment Carrier Status Non-admitted States Most States

Lancer Insurance Company

Coverages Garage Keepers Legal Liab, Garage Liability, GKLL Carrier Status Admitted, Non-admitted States CT, NJ, NY

National Indemnity Company

Coverages Dealers Open Lot, Garage Keepers Legal Liab, Garage Liability, GKLL, Medical Payments, Uninsured Motorists Carrier Status Admitted, Non-admitted States All States except HI, MA, NJ, NY

Prime Insurance Company

RoamNet Insurance Marketing Programs

Coverages BOP, EPLI, Fire Legal Liab, Garage Keepers Legal Liab, GL, Tools & Equip, Workers’ Comp Carrier Status Admitted States AZ, CA, CO, ID, IL, NV, OR, PA, TX, UT

Russell Bond & Co. Inc.

Coverages Auto Comm-Nonstandard, Auto CommNonstandard Phys Dmg, Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Business Income, Care/Custody/Control, Cargo, Commercial Excess, Completed Operations Liab, Dealers Open Lot, Excess Liab, Fire Legal Liab, Garage Keepers Legal Liab, GKLL, GL, Inland Marine, Medical Payments, Physical Damage, Products Liab, Property, Theft, Truck Auto Liab, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except AK, HI, UT, WY

Sierra Specialty

Coverages Dealers Open Lot, Garage Keepers Legal Liab, Garage Liability, GKLL, Hired & Non-owned Auto, Property Carrier Status Admitted, Non-admitted States All States

Sun Coast General Insurance Agency

Coverages CGL, Dealers Open Lot, Garage Keepers Legal Liab, Garage Liability, GKLL, GL, Hired & Non-owned Auto, Property Carrier Status Admitted, Non-admitted States AZ, CA

Walter General Agency (WGA)

Coverages Dealers Open Lot, Excess Liab, Garage Keepers Legal Liab, Garage Liability, GKLL, Inland Marine, Medical Payments, Property, Theft, Tools & Equip, Truck Auto Liab, Umbrella, Uninsured Boaters, Uninsured Motorists Carrier Status Non-admitted States AR, IL, MO, OK

Gentleman’s Clubs Crusader Insurance Company

Coverages GL, Liquor Liab, Property Carrier Status Admitted States CA

Founders Insurance Company

Coverages Assault & Battery, Liquor Liability Carrier Status Admitted, Non-admitted States AL, CO, CT, FL, IA, IL, IN, KS, LA, MD, MI, MN, MT, NC, NH, NV, NY, OH, OR, TN, VA, WI

MAXIMUM

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

Prime Insurance Company

Golf Courses All Risks Ltd.

Coastal Insurance Underwriters Inc.

Coverages Accessories, Business Income, Business Interruption, Crime, E&O, Employee Benefits, Environmental Liab, Errant Ball, Fine Arts, Fire, Flood, GL, Herbicide & Pesticide, Hired & Non-owned Auto, Hurricane, Inland Marine, Liability, Liquor Liab, Property, Tee-toGreen, Umbrella Carrier Status Non-admitted States FL

Founders Insurance Company

Coverages Assault & Battery, Liquor Liability Carrier Status Admitted, Non-admitted States Most States

Philadelphia Insurance Companies

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

Prime Insurance Company

Virtue Risk Partners LLC

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

Grain Mills & Elevators Prime Insurance Company

Safehold Special Risk

Coverages Catastrophe, CGL, Environmental Liab, Equipment, Equipment Breakdown, Inland Marine, Liability, Physical Damage, Pollution Liab, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States except AK, HI

Wildlife Insurance Underwriters LLC

Coverages Business Income, CGL, Environmental Liab, Equipment Breakdown, Fire Legal Liab, GL, Inland Marine, Installation Floaters, Liability, Long Haul, Mechanical Breakdown, Medical, Occupational Accident, OCP, On-Hook Cargo, Piers & Docks, Property, Railroad Protective Liab, Spoilage, Theft Carrier Status Admitted, Non-admitted States All States

Grocery Stores/Supermarkets Advanced E&S Group - Midwest Region

Coverages Business Income, Business Interruption, CGL, Fire, GL, Glass, Liability, Liquor Liab, Property, Real & Business Personal Prop, Spoilage, Theft Carrier Status Admitted, Non-admitted States IA, IL, IN, KS, KY, MI, MN, MO, NE, NJ, NY, OH, PA, VA, WI

UCA General Insurance Services

Coverages Business Income, CGL, Cyber Liab, EPLI, Fire Legal Liab, Medical Payments, Property, Umbrella Carrier Status Admitted States AZ, CA, ID, IL, NV, OR, UT, WA, WI

Group Homes AFC Insurance

Coverages Abuse & Molestation, Blanket Addt’l Insureds, Boiler & Machinery, Business Interruption, CGL, COC, Community/Social Svcs, D&O, Employee Benefits, Equipment Breakdown, Inland Marine, Mental Health Care, Professional Liab, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except AK, HI

All Risks Ltd.

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

Burns & Wilcox - All Offices

Coverages Auto Comm-Nonstandard, Business Income, Business Interruption, CGL, Excess Liab, Non-Profit D&O, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States except AK, DC, HI

Charity First Insurance Services Inc.

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

Great American Ins. Group, Specialty Human Services

Irwin Siegel Agency Inc.

Coverages Abuse & Molestation, Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Crime, D&O, Developmental Disabilities, Excess Liab, GL, Inland Marine, Mental Health Care, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States except DC, HI

Markel Specialty

Coverages Abuse & Molestation, Accident & Health, Auto Comm-Standard, Business Income, CGL, Crime, Equipment Breakdown, GL, Inland Marine, Professional Liab, Property, Umbrella Carrier Status Admitted States All States except DC, HI

Negley Associates

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

NIF Group Inc.

Coverages Abuse & Molestation, Addiction Treatment, Auto Comm-Standard, Boiler & Machinery, Business Income, Business Interruption, Community/Social Svcs, D&O, Developmental Disabilities, Excess Liab, Hired & Nonowned Auto, Inland Marine, Liability, Medical Payments, Mental Health Care, Misc Professional Liab, Professional Liab, Property, Umbrella Carrier Status Admitted States All States except AL, HI, LA, MS

Nonprofits Insurance Alliance Group

Coverages Business Income, CGL, Liquor Liab, Real & Business Personal Prop, Umbrella Carrier Status Non-admitted States CT, MA, ME, NH, RI

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

Crusader Insurance Company

Philadelphia Insurance Companies

Agency Intermediaries Inc.

Coverages GL, Liquor Liab, Property Carrier Status Admitted States CA

Irving Weber Associates Inc. (IWA)

Coverages Auto Comm-Standard, Boiler & Machinery, BOP, Business Income, Business Interruption, CGL, Crime, Employee Benefits, EPLI, Equipment Breakdown, Food Spoilage, Hired & Non-owned Auto, Identity Theft, Liquor Liab, Property, Real & Business Personal Prop, Spoilage, Umbrella, Workers’ Comp Carrier Status Admitted States Most States

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

Prime Insurance Company

NeitClem Wholesale Insurance Brokerage Inc.

Prime Insurance Company

Allen Financial Ins. Group / The Equestrian Group

Coverages GL, Property Carrier Status Admitted, Non-admitted States AR, AZ, NV, TX Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, DIC, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Nonadmitted States All States

50 | INSURANCE JOURNAL | NATIONAL DECEMBER 4, 2017

Guides & Outfitters Coverages Auto Comm-Standard, Care/Custody/Control, CGL, Horse Mortality, Inland Marine, Livestock/Animal Mortality, Umbrella Carrier Status Admitted States All States except DC

INSURANCEJOURNAL.COM

2017 Annual Program Directory, Volume II IT Risk Managers Inc.

J.M. Wilson

Joseph Chiarello & Co., Inc.; Firearms Business Ins.

Prime Insurance Company

Coverages CGL, Cyber Liab, EPLI, Personal Property, Property, Trade Shows & Festivals, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except AK, HI Coverages GL, Property, Umbrella Carrier Status Admitted States All States

K&K Insurance Group Inc.

Coverages CGL, Crime, Excess Liab, Inland Marine, Property Carrier Status Admitted States All States

Markel Specialty

Coverages Auto Comm-Standard, Business Interruption, CGL, Excess Liability, Inland Marine, Mechanical Breakdown, Personal Property, Property, Umbrella Carrier Status Admitted States All States except AK, DC, HI

Philadelphia Insurance Companies

Prime Insurance Company

T.H.E. Insurance Company

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

Gymnastics Facilities Markel Specialty

Philadelphia Insurance Companies

Coverages Abuse & Molestation, Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liability, Fire Legal Liability, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Liquor Liab, Professional Liab, Property, Real & Business Personal Property, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA

Prime Insurance Company

Hazardous Materials Transporters Access E&S Insurance Services (VA)

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

Axon Underwriting LLC

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

Beacon Hill Associates Inc.

Coverages CGL, E&O, Pollution States All States

Berkley Specialty Underwriting Mgrs - Environmental Div Coverages Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Blanket Addt’l Insureds, Blanket Waivers, CGL, E&O, Employee Benefits, Environmental Liab, Pollution, Pollution Liab, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Freberg Environmental Inc.

Coverages Auto Comm-Nonstandard, Auto CommNonstandard Phys Dmg, CGL, Environmental Liab, GL, Hired & Non-owned Auto, Long Haul, Physical Damage, Pollution, Pollution Liab, Transportation Pollution Liab, Uninsured Motorists Carrier Status Admitted States All States except FL, HI, LA, MA, MS, NY

Intercorp Inc.

Coverages Auto Comm-Standard, Pollution Liab Carrier Status Admitted, Non-admitted States All States

INSURANCEJOURNAL.COM

Coverages Liability, Physical Damage Carrier Status Admitted, Non-admitted States AL, AR, FL, GA, IA, IL, IN, KS, KY, MI, MO, MS, NC, NE, OH, OK, PA, SC, TN, VA, WI, WV Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States All States

Target Managers Insurance Services

Coverages Auto Comm-Standard, CGL, Environmental Liab, Excess Liab, Pollution Liab, Property, Truck Auto Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Health Clubs

Allied Protector Plan

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

Atlas General Insurance Services

Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States except MS, MO, NY, TX

Monitor Liability Managers

Coverages D&O, EPLI, Fiduciary Liab Carrier Status Admitted, Non-admitted States All States

NeitClem Wholesale Insurance Brokerage Inc.

Coverages Developmental Disabilities, Fire, Liability, Medical Malpractice, Professional Liab Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX

Patriot Underwriters Inc.

Agency Intermediaries Inc.

Coverages Business Income, CGL, Misc Professional Liab, Real & Business Personal Prop, Tanning Liab, Umbrella Carrier Status Admitted, Non-admitted States CT, MA, ME, NH, RI

Anderson & Murison Inc.

Coverages Abuse & Molestation, CGL, Professional Liab, Property Carrier Status Non-admitted States CA

Burns & Wilcox - All Offices

Coverages Abuse & Molestation, Business Income, CGL, Fire, GL, Professional Liab, Property, Tanning Liab, Umbrella Carrier Status Admitted, Non-admitted States All States except AK, DC, HI

Great American Ins. Group, Specialty Human Services

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

K&K Insurance Group Inc.

Coverages Business Income, Crime, GL, Inland Marine, Liquor Liab, Property, Tanning Liab, Workers’ Comp Carrier Status Admitted States All States

Coverages Excess Liab, Umbrella, Workers’ Comp Carrier Status Admitted States All States except ND, OH, WA, WY

PEO Brokers Group

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

Prime Insurance Company

Pro-Praxis Insurance

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

Promont Advisors LLC

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

RLI Transportation

Coverages Auto Comm-Standard, Auto Pers-Nonstandard Carrier Status Admitted States All States except AK, DC, HI, LA, MA

RPS Healthcare

Coverages D&O, EPLI, Excess Liab, GL, Medical Professional, Professional Liab, Property States All States

Russell Bond & Co. Inc.

Coverages Abuse & Molestation, CGL, Crime, Inland Marine, Property, Umbrella Carrier Status Admitted States All States except HI

Coverages Auto Comm-Standard, Liability, Medical, Medical Malpractice, Mental Health Care, Property Carrier Status Admitted, Non-admitted States All States except AK, HI, UT, WY

Philadelphia Insurance Companies

Smith, Bell & Thompson Inc.

Markel Specialty

Coverages Abuse & Molestation, Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Employee Benefits, EPLI, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Liquor Liab, Non-Profit D&O, Professional Liab, Property, Real & Business Personal Prop, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA

Prime Insurance Company

Coverages Auto Comm-Standard Liability, CGL, Crime, D&O, Fidelity Bonds, Inland Marine, Personal Liability, Professional Liability, Property, Umbrella Carrier Status Non-admitted States All States

Worldwide Facilities LLC

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

Heavy Equipment Dealers 5Star Business Auto Program (Misc. classes)

RPS Bollinger Sports & Leisure

Coverages Auto Comm-Standard Liability & Physical Damage, Uninsured Motorists Carrier Status Admitted States All States except CA, LA, MA

Safehold Special Risk

Coverages Auto Comm-Standard, Inland Marine, Liability, Property, Umbrella States All States

Coverages Liability, Property Carrier Status Admitted States All States Coverages Business Income, Crime, Equipment Breakdown, Event Cancellation, Excess Liab, GL, Liability, Liquor Liab, Participant Accident, Property, Workers’ Comp Carrier Status Admitted States All States

Sports & Fitness Insurance Corporation (SFIC)

Coverages Abuse & Molestation, Accident & Health, Accidental Death, Boiler & Machinery, BOP, Builders Risk, Business Income, Business Interruption, CGL, Combo Personal & Commercial, Commercial Marine, Crime, Earthquake, Employee Benefits, EPLI, Equipment Breakdown, Fire Legal Liab, Flood, GL, Glass, Hired & Nonowned Auto, Inland Marine, Liability, Liquor Liab, Misc Professional Liab, Performance & Payment Bonds, Products Liab, Professional Liab, Umbrella, Workers’ Comp Carrier Status Admitted States All States

Ascinsure Specialty Risk NBIS

Coverages Auto Comm-Standard, Auto Comm-Standard Phys Dmg, CGL, Commercial Excess, Contractors Equip, Excess Liab, Inland Marine, Liability, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Prime Insurance Company

Home Healthcare Providers All Risks Ltd.

Healthcare Facilities

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

All Risks Ltd.

Allied Protector Plan

Coverages Abuse & Molestation, GL, Hired & Non-owned Auto, Professional Liab, Workers’ Comp Carrier Status Non-admitted States All States

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

DECEMBER 4, 2017 INSURANCE JOURNAL | NATIONAL | 51

2017 Annual Program Directory, Volume II AmWINS Program Underwriters

Coverages Employee Benefits, Fidelity Bonds, GL, Hired & Non-owned Auto, Professional Liab, Umbrella Carrier Status Admitted States All States

Burns & Wilcox - All Offices

Coverages Abuse & Molestation, Assault & Battery, Auto Comm-Standard, Blanket Addt’l Insureds, CGL, D&O, E&O, EPLI, GL, Hired & Non-owned Auto, Liability, Medical, Medical Payments, Property, Sexual Misconduct, Theft, Umbrella Carrier Status Admitted, Non-admitted States All States except AK, DC, HI

Target Professional Programs

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

U.S. Risk Insurance Group LLC

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

Home Medical Equipment Dealers International Excess Companies

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

Coverages Bailee/Customer Goods, Builders Risk, Business Income, Business Interruption, Cargo, CGL, Commercial Excess, Completed Operations Liab, Crime, E&O, EPLI, Equipment Breakdown, Excess Liab, Fire, GL, Hired & Nonowned Auto, Inland Marine, Liability, Misc Professional Liab, Pollution Liab, Products Liab, Professional Liab, Property, Real & Business Personal Prop, Theft, Umbrella Carrier Status Admitted, Non-admitted States All States

Patriot Underwriters Inc.

JM Associates / Burnham + Company

CRC Insurance Services - All Offices

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

Logic Underwriters Inc.

Coverages Excess Liab, Umbrella, Workers’ Comp Carrier Status Admitted States All States except ND, OH, WA, WY

PEO Brokers Group

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

Philadelphia Insurance Companies

Coverages Abuse & Molestation, Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Boiler & Machinery, Business Income & Interruption, CGL, Crime, Cyber Liab, D&O, Hired & Non-owned Auto, Inland Marine, Medical Malpractice, Professional Liab, Property, Umbrella Carrier Status Admitted States All States except LA

Prime Insurance Company

Pro-Praxis Insurance

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

Promont Advisors LLC

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

Quaker Special Risk (Florida)

Coverages Abuse & Molestation, CGL, Professional Liab Carrier Status Non-admitted States Most States

Quaker Special Risk (Mass.)

Coverages Abuse & Molestation, CGL, Professional Liab Carrier Status Non-admitted States Most States

Quaker Special Risk (New Jersey & New York)

Coverages Abuse & Molestation, CGL, Professional Liab Carrier Status Non-admitted States Most States

Rockwood Programs Inc.

Coverages Abuse & Molestation, Employee Benefits, EPLI, Fire Legal Liab, GL, Hired & Non-owned Auto, Medical Payments, Professional Liab, Sexual Misconduct Carrier Status Non-admitted States All States

Sapphire Blue

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

Smith, Bell & Thompson Inc.

Coverages Auto Comm-Standard Liability, CGL, Crime, D&O, Fidelity Bonds, Inland Marine, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States

Home Inspectors Citadel Insurance Services, LC

Coverages CGL, Commercial Excess, E&O States All States

Delta General Agency Corp.

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

Fox Point Programs

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

Intercorp Inc.

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

Prime Insurance Company

Professional Ins. Concepts (fka Crump Prof. Concepts) Coverages E&O, EPLI, Professional Liab Carrier Status Admitted States All States

Coverages Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, Business Interruption, CGL, Employee Benefits, Equipment, Excess Liab, Garage Keepers Legal Liab, GL, Inland Marine, Installation Floaters, Liability, Property, Tools & Equipment, Umbrella, Uninsured Motorists, Workers’ Comp Carrier Status Admitted States All States

Philadelphia Insurance Companies

Coverages Abuse & Molestation, Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Boiler & Machinery, CGL, Crime, Cyber Liab, D&O, EPLI, Equipment Breakdown, Products Liab, Professional Liab, Property, Umbrella Carrier Status Admitted States All States except LA

Prime Insurance Company

Smith, Bell & Thompson Inc.

Coverages Auto Comm-Standard, CGL, Crime, D&O, Fidelity Bonds, Inland Marine, Products Liab, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States

VGM Specialty Underwriters

Coverages Business Interruption, CGL, Completed Operations Liab, Crime, Inland Marine, Products Liab, Professional Liab, Property Carrier Status Non-admitted States All States

Homebuilders Appalachian Underwriters Inc.

Coverages Auto Comm-Standard Liability & Physical Damage, Excess Liability, GL, Inland Marine, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Empire Underwriters LLC

Coverages Builders Risk, Business Income, Cargo, CGL, Commercial Excess, Commercial Marine, Contractors Equip, Dwelling Fire, EPLI, Hired & Non-owned Auto, Installation Floaters, Motor Truck Cargo, OCP, Pollution Liab, Products Liab, Property, Tools & Equip, Workers' Comp Carrier Status Admitted, Non-admitted States AL, AR, AZ, CA, FL, GA, IL, KY, LA, MI, MO, MS, NC, NJ, NY, OH, PA, SC, TN, TX, VA

Patriot National Underwriters Inc.

Coverages Auto Comm-Standard, Builders Risk, CGL, Umbrella, Workers’ Comp Carrier Status Admitted States TX

Pennsylvania Lumbermens Mutual Insurance Company

Coverages Auto Comm-Standard, CGL, Commercial Marine, EPLI, Equipment Breakdown, Inland Marine, Liability, Property, Umbrella Carrier Status Admitted States All States

Prime Insurance Company

Quaker Special Risk (New Jersey)

Coverages Blanket Waivers, CGL, Liability Carrier Status Non-admitted States Most States

US Assure

52 | INSURANCE JOURNAL | NATIONAL DECEMBER 4, 2017

Homeowner Associations Apartment Insurance Consultants LLC

Coverages Equipment Breakdown, Excess Liab, Liability, Property Carrier Status Admitted, Non-admitted States All States except OK

Coastal Insurance Underwriters Inc.

Distinguished Programs

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

Great American Ins. Group - Executive Liability Division

Coverages Community/Social Svcs, D&O, EPLI, Excess Liab, Fiduciary Liab Carrier Status Admitted States All States

Kevin Davis Insurance Services

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

MexiPass International Insurance Services LLC Coverages Int’l Coverage - Commercial, Int’l Coverage Personal Carrier Status Admitted States All States

New Empire Group

Coverages Cyber Liab, Excess Liab, Pollution, Umbrella Carrier Status Admitted States All States

Philadelphia Insurance Companies

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

Preferred Property Programs

Coverages Boiler & Machinery, Commercial Excess, Environmental Liab, Equipment Breakdown, Umbrella Carrier Status Admitted States All States

Prime Insurance Company

Professional Ins. Concepts (fka Crump Prof. Concepts)

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

Specialty Programs & Facilities Mgrs Inc. (AmWINS)

Coverages Environmental Liab, GL, Property, Umbrella Carrier Status Admitted, Non-admitted States AZ, CA, CO, NV, OR, UT, WA

US Assure

Horse Breeders/Boarders Agricultural Insurance Mgmt Services

Coverages Care/Custody/Control, GL, Horse Mortality, Personal Liab Carrier Status Admitted States Most States

Allen Financial Ins. Group / The Equestrian Group

Coverages Auto Comm-Standard, Bailee/Customer Goods, Business Interruption, Care/Custody/Control, CGL, Dwelling Fire, Earthquake, Equipment Breakdown, Horse Mortality, Inland Marine, Livestock/Animal Mortality, Tools & Equip, Umbrella Carrier Status Admitted States All States except AK, DC, HI

Equisure Inc.

Coverages Care/Custody/Control, CGL, Professional Liab Carrier Status Non-admitted States All States

Mark D. Fredricksen Insurance Services

Coverages Care/Custody/Control, Commercial Excess, Equipment, Horse Mortality, Mortality Carrier Status Admitted States All States except AK, DC, HI

Markel Specialty

Coverages Auto Comm-Standard, Business Interruption, Care/Custody/Control, CGL, Excess Liab, Fire Legal Liab, GL, Inland Marine, Legal Liab, Medical Payments, Misc Professional Liab, Personal Property, Property, Tools & Equip, Umbrella Carrier Status Admitted States All States except DC, HI

INSURANCEJOURNAL.COM

2017 Annual Program Directory, Volume II Prime Insurance Company

Pro-Praxis Insurance

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

RLI Transportation

Horse Farms

Coverages Auto Comm-Standard, Auto Pers-Nonstandard Carrier Status Admitted States All States except AK, DC, HI, LA, MA

Agricultural Insurance Mgmt Services

RPS Healthcare

Coverages Business Income, Care/Custody/Control, Combo Personal & Commercial, Equipment Breakdown, Homeowners Pkg, Horse Mortality, Liability, Tools & Equip Carrier Status Admitted States Most States

Allen Financial Ins. Group / The Equestrian Group

Coverages Auto Comm-Standard, Auto Pers-Standard, Business Income, Care/Custody/Control, CGL, Combo Personal & Commercial, Dwelling Fire, Equipment Breakdown, Homeowners Pkg, Horse Mortality, Identity Theft, Inland Marine, Livestock/Animal Mortality, Mortality, New Occurrence, Personal Liab, Products Liability, Property, Theft, Tools & Equip, Umbrella Carrier Status Admitted States All States except DC, HI

IT Risk Managers Inc.

Coverages CGL, Employee Benefits, Horse Mortality, Livestock/Animal Mortality, Personal Property, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except AK, HI

Mark D. Fredricksen Insurance Services

Coverages Auto Comm-Standard, Care/Custody/Control, Commercial Excess, Homeowners Pkg, Horse Mortality, Property Carrier Status Admitted States All States except AK, DC, HI

Markel Specialty

Coverages Auto Comm-Standard, Business Interruption, Care/Custody/Control, CGL, Excess Liab, Fire Legal Liab, GL, Inland Marine, Legal Liab, Medical Payments, Personal Property, Property, Tools & Equipment, Umbrella Carrier Status Admitted States All States except DC, HI

Sierra Specialty

Coverages CGL, Horse Mortality, Inland Marine, Livestock/ Animal Mortality, Property, Umbrella Carrier Status Admitted, Non-admitted States All States

South & Western General Agency Inc.

Coverages Dwelling Fire, Equipment, GL, Personal Property, Personal Umbrella, Property Carrier Status Admitted States AR, MS, OK, TN, TX

Wildlife Insurance Underwriters LLC

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

Prime Insurance Company

Professional Liability Ins. Svcs - Underwriting Facilities Coverages Business Interruption, Food Borne Illness Carrier Status Non-admitted States All States

Promont Advisors LLC

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

Rockwood Programs Inc.

Hotels/Motels

Coverages Cyber Liab, EPLI Carrier Status Admitted, Non-admitted States All States except AK, WA

Advanced E&S Group - Southeast Region

Coverages Cyber Liab, Equipment Breakdown, Flood, Liability, Property, Umbrella Carrier Status Admitted, Non-admitted States All States

All Risks Ltd.

Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Business Income, Employee Benefits, Equipment Breakdown, GL, Hired & Non-owned Auto, Liquor Liab, Medical Payments, Property, Spoilage, Umbrella Carrier Status Non-admitted States All States except HI

AmWINS Group Inc. - 100 Locations Worldwide

Coverages Builders Risk, Business Income, Contractors Equip, Inland Marine Carrier Status Admitted, Non-admitted States All States

Apartment Insurance Consultants LLC

Coverages Equipment Breakdown, Property Carrier Status Non-admitted States All except NY, OK

Appalachian Underwriters Inc.

Coverages CGL, Property, Workers’ Comp Carrier Status Non-admitted States All States

Appleby & Sterling

Coverages Boiler & Machinery, GL, Property Carrier Status Admitted States AZ, CA, NV

Roush Insurance Services Inc.

Coverages Auto Comm-Nonstandard, Blanket Addt’l Insureds, Boiler & Machinery, Business Income, Business Interruption, CGL, Commercial Excess, Crime, D&O, Equipment Breakdown, Excess Liab, Fire, Fire Legal Liab, Food Spoilage, GL, Glass, Hired & Non-owned Auto, Inland Marine, Liability, Liquor Liab, Property, Real & Business Personal Prop, Theft, Trade Shows & Festivals, Umbrella Carrier Status Admitted, Non-admitted States IL, IN, OH

Southern Hospitality Underwriters

Coverages All Risks/Cash in Transit, Auto Comm-Standard Liability, Crime, Cyber Liab, EPLI, Equipment Breakdown, GL, Liquor Liab, Property, Sexual Misconduct, Umbrella, Wind, Workers’ Comp Carrier Status Admitted States All States

Southern Insurance Underwriters Inc. CMGA

Coverages Assault & Battery, Business Income, Business Interruption, CGL, Commercial Excess, Equipment Breakdown, Excess Liability, Liability, Liquor Liability, Medical Payments, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States

The McGowan Companies

Applied Underwriters Inc.

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

Bass Underwriters

Coverages GL, Liability Carrier Status Non-admitted States AL, AR, AZ, CA, FL, GA, LA, MA, ME, MS, NJ, NV, NY, OH, OK, OR, PA, RI, SC, TN, TX, VA

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

UCA General Insurance Services

Coverages Business Income, CGL, Crime, Cyber Liab, EPLI, Equipment Breakdown, Hired & Non-owned Auto, Liquor Liab, Medical Payments, Property, Umbrella Carrier Status Admitted States AZ, CA, ID, IL, NV, OR, UT, WA, WI

Coverages Horse Mortality, Livestock/Animal Mortality, Mortality, Property, Workers’ Comp Carrier Status Non-admitted States All States

Burns & Wilcox - All Offices

Hospice Care Facilities

CITA Insurance Svcs, Div. of Brown & Brown Program Ins.

Western Surplus Lines Agency Inc.

Delta General Agency Corp.

Prime Insurance Company

AFC Insurance

Coverages Abuse & Molestation, Accident & Health, Boiler & Machinery, Business Interruption, CGL, COC, D&O, Developmental Disabilities, Employee Benefits, Inland Marine, Mental Health Care, Professional Liab, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except AK, HI

All Risks Ltd.

Coverages Abuse & Molestation, GL, Hired & Non-owned Auto, Professional Liab, Workers’ Comp Carrier Status Non-admitted States All States

Allied Protector Plan

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

Promont Advisors LLC

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

Sapphire Blue

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

Hospitals All Risks Ltd.

Coverages Abuse & Molestation, GL, Hired & Non-owned Auto, Professional Liab, Workers’ Comp Carrier Status Non-admitted States All States

AmWINS Group Inc. - 100 Locations Worldwide

Coverages Crime, Cyber Liab, EPLI, Fiduciary Liab, Kidnap/ Ransom, Professional Liab, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Philadelphia Insurance Companies

Coverages Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Boiler & Machinery, Earthquake, Equipment Breakdown, Fire Legal Liab, Flood, Identity Theft, Property, Real & Business Personal Prop Carrier Status Admitted States All States except LA

INSURANCEJOURNAL.COM

Coverages Auto Comm-Nonstandard, CGL, Excess Liab, Property Carrier Status Admitted, Non-admitted States All States except AK, DC, HI Coverages Auto Comm-Standard, CGL, Commercial Excess, Crime, Garage Keepers Legal Liab, Liquor Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States except DC Coverages GL, Property Carrier Status Non-admitted States TX

Distinguished Programs

Coverages CGL, Crime, Liability, Property, Umbrella Carrier Status Admitted, Non-admitted States All States

Empire Underwriters LLC

Coverages Blanket Addt'l Insureds, Blanket Waivers, Boiler & Machinery, BOP, CGL, Completed Operations Liab, Crime, D&O, Environmental Liab, EPLI, Fire, Hail, Hired & Nonowned Auto, Personal Property, Products Liab, Property, Spoilage, Wind, Workers' Comp States Most States

Gorst & Compass Insurance

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

Hotels & Resorts Ins. Program - CITA Insurance Services Coverages Auto Comm-Standard, CGL, Crime, Garage Keepers Legal Liab, Liquor Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States

Patriot Underwriters Inc.

Coverages Excess Liab, GL, Liquor Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States except ND, OH, WA, WY

PEO Brokers Group

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

Preferred Property Programs

Coverages Boiler & Machinery, Equipment Breakdown, Umbrella, Workers’ Comp Carrier Status Admitted States All States

Unifax Insurance Systems Inc.

Coverages GL, Property Carrier Status Admitted States CA Coverages CGL, Property Carrier Status Non-admitted States LA, ND, NM, OK, TX

Hourly Equipment Rental w/ Operator Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States All States

Ice Rink Owners & Operators Philadelphia Insurance Companies

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

Prime Insurance Company

Safehold Special Risk

T.H.E. Insurance Company

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

DECEMBER 4, 2017 INSURANCE JOURNAL | NATIONAL | 53

2017 Annual Program Directory, Volume II Importers Axon Underwriting LLC

Coverages Care/Custody/Control, Commercial Marine, Environmental Liab, Pollution, Pollution Liab Carrier Status Admitted States All States

Brownyard Group

Meridian Finance Group

Coverages Performance & Payment Bonds, Political Risk States All States

NeitClem Wholesale Insurance Brokerage Inc.

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

Professional Program Insurance Brokerage

Coverages Abuse & Molestation, Blanket Addt’l Insureds, CGL, Commercial Excess, EPLI, GL, Liability, Products Liab, Property Carrier Status Non-admitted States All States

Worldwide Facilities LLC

Coverages GL, Inland Marine Carrier Status Admitted States All States

In-Home Adult Foster Care Empire Underwriters LLC

Prime Insurance Company

Philadelphia Insurance Companies

Quadrant Insurance Managers

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

Prime Insurance Company

Insurance Agents & Brokers (P/C L/H)

All Risks Ltd.

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

Burns & Wilcox - All Offices

Coverages Auto Comm-Nonstandard, CGL, Excess Liab, Property Carrier Status Admitted, Non-admitted States All States except AK, DC, HI

CalSurance Assoc, Div. of Brown & Brown Program Ins. Coverages BOP, E&O, Professional Liability Carrier Status Admitted, Non-admitted States All States

Irwin Siegel Agency Inc.

Coverages Excess Liab, GL, Professional Liab, Umbrella, Workers’ Comp States All States

In-Home Businesses South & Western General Agency Inc.

Coverages BOP, Business Interruption Carrier Status Admitted States AR, MS, NM, OK, TN, TX

In-Home Child Care Insurance Center Special Risks Ltd.

Coverages Abuse & Molestation, CGL, Medical Payments Carrier Status Admitted, Non-admitted States CT, MA, ME, NH, NY, PA, RI, VT

Markel Specialty

Coverages Abuse & Molestation, CGL Carrier Status Admitted States All States

Prime Insurance Company

Industrial Parks Appleby & Sterling

Coverages Boiler & Machinery, GL, Property Carrier Status Admitted States AZ, CA, NV

Construction Insurance Partners

Coverages Excess Liab, GL, Professional Liab, Umbrella, Workers’ Comp States All States

MexiPass International Insurance Services LLC

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

MG Skinner & Associates

Coverages Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, E&O, Earthquake, EPLI, Excess Liab, Flood, Professional Liab, Property, Real & Business Personal Prop, Tenant Discrimination, Umbrella, Wind, Workers’ Comp Carrier Status Admitted, Nonadmitted States All States

ProSurance Group Inc.

Coverages Crime, E&O, Excess Liab, Fidelity, Fidelity Bonds, Professional Liab Carrier Status Admitted, Non-admitted States All States

CITA Insurance Svcs, Div. of Brown & Brown Program Ins.

Prime Insurance Company

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

Innkeepers

Coverages Blanket Addt'l Insureds, Blanket Waivers, CGL, Commercial Excess, D&O, EPLI, Hired & Non-owned Auto, Non-Profit D&O, Professional Liab, Property, Workers' Comp Carrier Status Admitted, Non-admitted States Most States Coverages Abuse & Molestation, Accidental Death, Auto Comm-Standard, Boiler & Machinery, Business Income, Crime, Cyber Liab, D&O, Developmental Disabilities, Employee Benefits, Environmental Liab, EPLI, GL, Lost Key, Medical Payments, Mental Health Care, Pollution, Professional Liab, Property, Sexual Misconduct, Umbrella Carrier Status Admitted States All States

Professional Liability Ins. Svcs - Underwriting Facilities

Coverages E&O, EPLI, Professional Liab Carrier Status Admitted States All States except MA, NY, WA

Construction Insurance Partners

CTC Transportation Insurance Services LLC

Coverages Auto Comm-Standard Liability, CGL, Commercial Excess, Motor Truck Cargo, Non-Trucking Auto Liab, Occupational Accident, Physical Damage, Umbrella Carrier Status Admitted, Non-admitted States All States except AK, HI, KY, NY

Floodwatch

Coverages Excess Flood, Flood, Wind Carrier Status Admitted, Non-admitted States All States

Hagerty Insurance

Coverages Auto Comm-Nonstandard, Auto CommNonstandard Phys Dmg, Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Auto PersNonstandard, Auto Pers-Nonstandard Phys Dmg, Auto PersStandard, Auto Pers-Standard Phys Dmg States All States

IAAC Inc.

Coverages Cyber Liab, D&O, E&O, Employee Benefits, EPLI, Fiduciary Liab, Personal Umbrella, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States NY

Insurmark, Div of Financial & Professional Risk Solutions

Intercorp Inc.

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

International Excess Companies

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

King Insurance Support Systems

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

Lee & Mason

Coverages Misc Professional Liab, Professional Liab Carrier Status Admitted, Non-admitted States All States

Maxum Specialty Insurance Group

Coverages E&O, EPLI Carrier Status Non-admitted States All States except NH, WA

Number One Insurance Agency

Coverages Excess Liab, Professional Liab, Umbrella Carrier Status Admitted, Non-admitted States MA

Professional Ins. Concepts (fka Crump Prof. Concepts) Coverages E&O, EPLI, Professional Liab Carrier Status Admitted States All States

54 | INSURANCE JOURNAL | NATIONAL DECEMBER 4, 2017

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

Rockwood Programs Inc.

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

RPS - Executive Lines Division

Coverages Crime, Cyber Liab, D&O, E&O, EPLI, Fidelity, Kidnap/Ransom Carrier Status Admitted, Non-admitted States All States

Sun Coast General Insurance Agency

Coverages BOP, Cyber Liab, E&O, Liability Carrier Status Non-admitted States AZ, CA, CO, NV, OR, UT, WA

SWBC

Synergy Professional Associates Inc.

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

Target Professional Programs

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

Western E&O

Coverages Crime, D&O, E&O, Employee Benefits, EPLI, Excess Liab, Fiduciary Liab Carrier Status Admitted, Non-admitted States AZ, CA, CO, IA, IL, IN, KS, MI, ND, NM, OK, OR, TX, UT, WA, WI

Insurance Companies Quadrant Insurance Managers

Coverages D&O, EPLI, Fiduciary Liab, Professional Liab Carrier Status Non-admitted States All States

Internet Companies IT Risk Managers Inc.

Coverages BOP, Cyber Liab, D&O, EPLI, Excess Liab, Professional Liab, Technology E&O, Umbrella Carrier Status Admitted, Non-admitted States All States except AK, HI

Professional Ins. Concepts (fka Crump Prof. Concepts)

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

RPS Technology & Cyber

Investigators All Risks Ltd.

Coverages Assault & Battery, Auto Comm-Standard, Auto Comm-Standard Liability, Care/Custody/Control, Crime, E&O, GL, Inland Marine, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Non-admitted States All States

AMIS/Alliance Marketing & Insurance Services LLC

Coverages Auto Comm-Standard Liability & Physical Damage, E&O, Liability, Property, Workers’ Comp Carrier Status Non-admitted States All except RI, WY

Brownyard Group

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

Brownyard Programs Ltd.

Coverages Blanket Addt’l Insureds, CGL, E&O, Excess Liab, Fidelity Bonds, Umbrella, Workers’ Comp Carrier Status Non-admitted States All States except AK

INSURANCEJOURNAL.COM

2017 Annual Program Directory, Volume II Prime Insurance Company

Sierra Specialty

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

The Mechanic Group Inc.

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

Investment Advisory Reps CalSurance Assoc, Div. of Brown & Brown Program Ins. Coverages BOP, E&O, Professional Liab Carrier Status Non-admitted States All States

Pioneer Underwriters

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

ProSurance Group Inc.

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

Janitorial Firms Abram Interstate Insurance Services Inc.

Coverages GL, Inland Marine, Liability, Lost Key, Property Carrier Status Admitted, Non-admitted States CA

Allen Financial Ins. Group / The Equestrian Group

Coverages Auto Comm-Standard, Business Income, CGL, Commercial Excess, Contractors Equip, Crime, Property Carrier Status Admitted States All States except AL, DC, HI

Anderson & Murison Inc.

Coverages Care/Custody/Control, CGL, Lost Key Carrier Status Non-admitted States CA

Atlas General Insurance Services

Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States except MS, MO, NY, TX

Brecht & Associates

Coverages Auto Comm-Standard, BOP, Excess Liab, GL, Property Carrier Status Non-admitted States TX

Burns & Wilcox - All Offices

Coverages CGL, Excess Liab, Inland Marine, Professional Liab, Property, Umbrella Carrier Status Admitted, Nonadmitted States All States except AK, DC, HI

Indemnity Excess & Surplus Agency Inc.

Coverages Contractors Equip, GL, Lost Key Carrier Status Non-admitted States AZ, CA, CO, FL, HI, ID, NV, OR, TX, WA

M.J. Hall & Company Inc.

Coverages CGL, Excess Liab Carrier Status Admitted, Non-admitted States AK, AZ, CA, HI, NV

Freberg Environmental Inc.

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

Prime Insurance Company

Professional Program Insurance Brokerage

Coverages Abuse & Molestation, BOP, GL, Liability, Products Liab, Professional Liab, Property Carrier Status Non-admitted States All States

Tokio Marine/HCC

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

Virtue Risk Partners LLC

Coverages Auto Comm-Standard, CGL, Commercial Excess, E&O, Environmental Liab, Workers’ Comp Carrier Status Non-admitted States All States

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

Tokio Marine/HCC

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

Landfills/Recycling/Disposal Facilities Alamo Surety Bonds

Coverages Performance & Payment Bonds, Surety Bonds Carrier Status Admitted States AL, AZ, CO, FL, GA, IN, KS, LA, MO, MS, NC, NV, TX

Berkley Specialty Underwriting Mgrs - Environmental Div Coverages Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Blanket Addt’l Insureds, Blanket Waivers, CGL, Commercial Excess, E&O, Employee Benefits, Environmental Liab, GL, Int’l Coverage Commercial, Pollution, Pollution Liab, Professional Liab, Umbrella, Uninsured Motorists, Uninsured Personal Injury, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Environmental Insurance Agency (EIA)

Coverages Environmental Liab, GL, Pollution Liability States All States

Prime Insurance Company

Virtue Risk Partners LLC

PEO Brokers Group

RoamNet Insurance Marketing Programs

Brecht & Associates

Coverages BOP, Workers’ Comp Carrier Status Admitted States AZ, CA, CO, ID, NV, OR, UT

Sovereign Group Int’l Inc.

Coverages CGL, Commercial Excess, Completed Operations Liab, EPLI, Fire, GL, Liability, Property, Umbrella Carrier Status Non-admitted States MA, NJ, NY

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

Applied Underwriters Inc.

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

Brownyard Group

Coverages Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, Care/Custody/Control, Commercial Excess, Completed Operations Liab, E&O, Environmental Liab, Equipment Breakdown, Fire Legal Liab, GL, Herbicide & Pesticide, Inland Marine, Liability, Lost Key, Pollution Liab, Property Carrier Status Admitted, Non-admitted States All States except CA, LA, NV, NY, SC

Burns & Wilcox - All Offices

Coverages Auto Comm-Nonstandard, CGL, Excess Liab, Property Carrier Status Admitted, Non-admitted States All States except AK, DC, HI

Delta General Agency Corp.

Coverages GL, Property Carrier Status Non-admitted States TX

Patriot Underwriters Inc.

Target Professional Programs

Coverages CGL, Commercial Excess, E&O, Environmental Liab, Workers’ Comp Carrier Status Non-admitted States All States

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

Landscape Gardeners Anderson & Murison Inc.

Landscape Contractors Coverages Auto Comm-Standard, BOP, Excess Liab, GL, Property Carrier Status Non-admitted States TX

Construction Insurance Solutions

Coverages Auto Comm-Standard, Commercial Excess, Contractors Equip, GL, Real & Business Personal Prop, Workers’ Comp Carrier Status Non-admitted States All States

Coverages Excess Liab, Umbrella, Workers’ Comp Carrier Status Admitted States All States except ND, OH, WA, WY

Prime Insurance Company

Rockwood Programs Inc.

Coverages Cyber Liab, EPLI Carrier Status Admitted, Non-admitted States All States except AK, WA

Sovereign Group Int’l Inc.

Coverages Business Income, Business Interruption, CGL, Commercial Excess, Contractors Equip, E&O, EPLI, GL, Liability, Misc Professional Liab, Products Liab, Professional Liab, Property, Umbrella Carrier Status Non-admitted States MA, NJ, NY

Laser Centers Prime Insurance Company

Professional Program Insurance Brokerage

Coverages Abuse & Molestation, BOP, Liability, Professional Liab, Property Carrier Status Non-admitted States All States

Laundries/Coin Laundry Advanced E&S Group - Midwest Region

Coverages Business Income, Business Interruption, CGL, Crime, Fire, GL, Liability, Personal Property, Property, Real & Business Personal Prop, Theft Carrier Status Admitted, Non-admitted States IA, IL, IN, KS, KY, MI, MN, MO, NE, NJ, NY, OH, PA, VA, WI

Bass Underwriters

Coverages Assault & Battery, Bailee/Customer Goods, Business Income, Fire, GL, Hired & Non-owned Auto, Property, Wind Carrier Status Non-admitted States Most States

Gridiron Insurance Underwriters Inc.

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

GMI Insurance Services

Coverages Assault & Battery, Bailee/Customer Goods, Business Income, CGL, Crime, Excess Flood, Flood, Liability, Property Carrier Status Non-admitted States AL, AZ, CA, CO, FL, GA, IL, IN, LA, MI, MN, MO, MS, NC, NJ, NY, OH, OR, PA, SC, TN, TX, VA, WA, WI

Jr. Markets/Liquor Stores

Oryx Insurance Brokerage Inc.

Irving Weber Associates Inc. (IWA)

TAPCO Underwriters Inc.

Coverages Auto Comm-Standard Carrier Status Admitted States All States except HI, MA

Crusader Insurance Company

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

Unifax Insurance Systems Inc.

Prime Insurance Company

Coverages GL, Liquor Liab, Property Carrier Status Admitted States CA Coverages GL, Liquor Liab, Property Carrier Status Admitted States CA

Laboratories - Testing Allied Protector Plan

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

INSURANCEJOURNAL.COM

Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Blanket Addt’l Insureds, Boiler & Machinery, Business Interruption, GL, Pollution, Workers’ Comp Carrier Status Admitted States All States except FL, LA

Unifax Insurance Systems Inc.

Professional Ins. Concepts (fka Crump Prof. Concepts)

5Star D&O Program

Program Brokerage Corporation

AmWINS Program Underwriters

Coverages E&O, Professional Liab Carrier Status Admitted States All States Coverages Auto Comm-Standard, Contractors Equip, Inland Marine, Liability, Pollution, Pollution Liab, Property, Umbrella Carrier Status Admitted States All States

Coverages GL, Property Carrier Status Admitted States CA

Law Firms Coverages D&O, E&O, Fiduciary Liab Carrier Status Admitted States All States Coverages Professional Liab Carrier Status Admitted, Non-admitted States ME, NH, VT

DECEMBER 4, 2017 INSURANCE JOURNAL | NATIONAL | 55

2017 Annual Program Directory, Volume II Continental Brokers Inc.

Coverages BOP, Business Income, Business Interruption, Earthquake, EPLI, Flood, Homeowners Pkg, Legal Expense Ins, Legal Malpractice, Property, Umbrella Carrier Status Admitted, Non-admitted States All States except HI, LA

Founders Specialty

Coverages E&O, Professional Liab Carrier Status Admitted States AL, CA, CO, CT, DC, DE, GA, IA, IL, IN, KY, MD, ME, MI, MS, NV, OH, PA, SC, TN, TX

Gerald J. Wilkoff Inc.

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

Gray-Stone & Co.

Coverages Business Interruption, CGL, D&O, E&O, EPLI, Excess Liab, GL, Identity Theft, Legal Expense Ins, Legal Liab, Legal Malpractice, Liability, Media Liab, Medical, Misc Professional Liab, Non-Profit D&O, Professional Liab, Sexual Misconduct Carrier Status Admitted States CA

Professional Ins. Concepts (fka Crump Prof. Concepts) Coverages E&O, EPLI, Professional Liab Carrier Status Admitted States All States

RPS - Executive Lines Division

Coverages Crime, Cyber Liab, D&O, E&O, EPLI, Fidelity, Kidnap/Ransom Carrier Status Admitted, Non-admitted States All States

Synergy Professional Associates Inc.

Coverages Excess Liab, Professional Liab Carrier Status Admitted, Non-admitted States All States except CA

Target Professional Programs

Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Business Income, Business Interruption, Care/ Custody/Control, CGL, Commercial Excess, Crime, E&O, Employee Benefits, Equipment Breakdown, Excess Liab, Fire, Fire Legal Liab, GL, Hired & Non-owned Auto, Legal Expense Ins, Legal Liab, Legal Malpractice, Liability, Personal Property, Professional Liab, Property, Real & Business Personal Prop, Theft, Umbrella, Workers’ Comp Carrier Status Admitted States All States

Program Brokerage Corporation

Coverages Auto Comm-Standard, Garage Keepers Legal Liab, Liability, Property Carrier Status Admitted States All States

RLI Transportation

Coverages Auto Comm-Nonstandard, Auto Comm-Standard Carrier Status Admitted States All States except AK, DC, HI, LA, MA

Western Experts in Transportation

Coverages Excess Auto Carrier Status Admitted States All States except AK, HI, MA, NY

Liquor Stores Advanced E&S Group - Midwest Region

Coverages Business Income, Business Interruption, CGL, Fire, GL, Glass, Liability, Liquor Liab, Property, Real & Business Personal Prop, Theft Carrier Status Admitted, Non-admitted States IA, IL, IN, KS, KY, MI, MN, MO, NE, NJ, NY, OH, PA, VA, WI

Founders Insurance Company

Coverages Assault & Battery, Liquor Liability Carrier Status Admitted, Non-admitted States AL, CO, CT, FL, IA, IL, IN, KS, LA, MD, MI, MN, MT, NC, NH, NV, NY, OH, OR, TN, VA, WI

Gorst & Compass Insurance

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

Number One Insurance Agency

Coverages GL, Liquor Liab, Property Carrier Status Admitted States MA

Prime Insurance Company

Long Term Care Facilities

U.S. Risk Insurance Group LLC

5Star Paratransit Program

Limousine Service Companies

AmWINS Program Underwriters

Coverages Crime, Professional Liab Carrier Status Admitted States AZ, NM, OK, TX

5Star Public Auto Program

Coverages Auto Comm-Standard Liability & Physical Damage, EPLI, Excess Liab, GL, Hired & Non-owned Auto, Physical Damage, Pollution Liab, Umbrella, Uninsured Motorists Carrier Status Admitted States All States

AmWINS Transportation Underwriters Inc.

Coverages Auto Comm-Standard Liability & Physical Damage, Excess Liab, GL Carrier Status Admitted, Nonadmitted States AZ, CA, CO, DE, GA, IL, IN, MD, MO, NC, NV, OH, TN, TX, VA

Atlas Financial Holdings - View Co. Info on Page 76

Coverages Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, GL, Medical Payments, Uninsured Motorists Carrier Status Admitted States Most States

Burns & Wilcox - All Offices

Coverages Auto Comm-Nonstandard, CGL, Excess Liab, Property Carrier Status Admitted, Non-admitted States All States except AK, DC, HI

KF&B Program Managers Insurance Services

Coverages Auto Comm-Standard, Liability, Physical Damage Carrier Status Admitted States All States except HI, MA, NY, RI

Midwestern Insurance Alliance LLC

Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States AZ, CA, CO, NM, NV, TX, UT

National Indemnity Company

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

Coverages Auto Comm-Standard Liability & Physical Damage, EPLI, Excess Liab, Umbrella, Uninsured Motorists Carrier Status Admitted States Most States Coverages Abuse & Molestation, GL, Professional Liab, Umbrella Carrier Status Non-admitted States All States

Atlas Financial Holdings - View Co. Info on Page 76

Coverages Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, GL, Medical Payments, Uninsured Motorists Carrier Status Admitted States All States

Prime Insurance Company

Program Brokerage Corporation

Coverages Abuse & Molestation, All Risks/Cash in Transit, Boiler & Machinery, Crime, D&O, Environmental Liab, EPLI, Excess Liab, Liability, Pollution, Pollution Liab Carrier Status Admitted States All States

RPS Healthcare

Coverages D&O, EPLI, Excess Liab, GL, Medical Professional, Professional Liab, Property States All States

U.S. Risk Insurance Group LLC

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

Lumber Mills/Saw/Plywood Ascinsure Specialty Risk

Coverages Auto Comm-Standard, Inland Marine, Liability, Property, Umbrella States All States

Continental Underwriters Inc.

Philadelphia Insurance Companies

Coverages Auto Comm-Standard Phys Dmg, GL Carrier Status Admitted States All States except LA

Coverages Auto Comm-Nonstandard, Auto CommStandard, Boiler & Machinery, Builders Risk, Cargo, Crime, Earthquake, Equipment, Equipment Breakdown, Flood, Foreign GL, Hail, Inland Marine, Liability, Motor Truck Cargo, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Prime Insurance Company

Ins.Center for Building Materials (ICBM)

Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Boiler & Machinery, Crime, Earthquake, EPLI, GL, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States

56 | INSURANCE JOURNAL | NATIONAL DECEMBER 4, 2017

Keith D. Peterson & Company Inc.

Pennsylvania Lumbermens Mutual Insurance Company

Coverages Auto Comm-Standard, CGL, Commercial Marine, EPLI, Equipment Breakdown, Inland Marine, Liability, Property, Umbrella Carrier Status Admitted States All States

Prime Insurance Company

Safehold Special Risk

Coverages Auto Comm-Nonstandard, BOP, Catastrophe, CGL, Environmental Liab, Equipment, Equipment Breakdown, GL, Hired & Non-owned Auto, Inland Marine, Material Damage, Motor Truck Cargo, Pollution, Pollution Liab, Property, Tools & Equip, Truck Auto Liab, Umbrella, Workers’ Comp Carrier Status Admitted States All States except HI

Woodus K. Humphrey & Co. (AmWINS)

Coverages Auto Comm-Standard, Boiler & Machinery, Business Interruption, Equipment Breakdown, GL, Inland Marine, Property, Umbrella Carrier Status Admitted States All States

Machine Shops All Risks Ltd.

Coverages GL, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States AZ, CT, DC, GA, IL, IN, KS, MD, MO, MS, NC, NV, PA, TN, VA

Applied Underwriters Inc.

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

Atlas General Insurance Services

Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States except MS, MO, NY, TX

Continental Brokers Inc.

Coverages Auto Comm-Standard Liability, Boiler & Machinery, BOP, CGL, Commercial Marine, Crime, EPLI, Flood, Hired & Non-owned Auto, Medical, Products Liab, Property, Umbrella Carrier Status Admitted States All States

Pennsylvania Lumbermens Mutual Insurance Company

Coverages Auto Comm-Standard, CGL, Commercial Marine, EPLI, Equipment Breakdown, Inland Marine, Liability, Property, Umbrella Carrier Status Admitted States All States

Prime Insurance Company

Quirk & Company

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

Smith, Bell & Thompson Inc.

Coverages Auto Comm-Standard, Crime, Equipment Breakdown, GL, Inland Marine, Property, Stop-Gap, Umbrella Carrier Status Admitted States All States

Southern Insurance Underwriters Inc. CMGA

Coverages Boiler & Machinery, Business Income, Business Interruption, Care/Custody/Control, Commercial Excess, Equipment, Equipment Breakdown, Fire Legal Liab, Flood, GL, Legal Liab, Liability, Mechanical Breakdown, Pollution, Pollution Liab, Products Liab, Real & Business Personal Prop Carrier Status Non-admitted States AL, FL, GA, KY, MI, MS, NC, SC, TN, TX

Western Security Surplus Insurance Brokers Inc.

Coverages Bailee/Customer Goods, Business Income, CGL, Liability, Medical Payments, New Occurrence, Products Liab, Property Carrier Status Non-admitted States CA, TX

Western Surplus Lines Agency Inc.

Coverages Bailee/Customer Goods, Blanket Addt’l Insureds, Blanket Waivers, CGL, Commercial Excess, Completed Operations Liab, Contractors Equip, Hired & Non-owned Auto, Medical Payments, Misc Professional Liab, Products Liab Carrier Status Non-admitted States LA, ND, NM, OK, TX

INSURANCEJOURNAL.COM

2017 Annual Program Directory, Volume II Managed Care Centers 5Star Paratransit Program

Coverages Auto Comm-Standard Liability & Physical Damage, EPLI, Excess Liab, GL, Medical Payments, Physical Damage, Umbrella, Uninsured Motorists Carrier Status Admitted States Most States

Evolution Insurance Brokers

Coverages Abuse & Molestation, Business Interruption, D&O, Fire, Fire Legal Liab, Liability, Misc Professional Liab, Theft, Tools & Equip Carrier Status Non-admitted States Most States

Prime Insurance Company

Pro-Praxis Insurance

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

Professional Ins. Concepts (fka Crump Prof. Concepts)

J.M. Wilson

Coverages CGL, Products Liab, Property Carrier Status Admitted, Non-admitted States AL, AR, GA, IA, IL, IN, KS, KY, MI, MO, NC, NE, OH, OK, PA, SC, TN, VA, WI, WV

Joseph Chiarello & Co., Inc.; Firearms Business Ins.

Coverages CGL, Equipment Breakdown, Firearms Liability, Property, Umbrella Carrier Status Admitted States All States

Keith D. Peterson & Company Inc.

Lancer Indemnity Company

Coverages GL, Property Carrier Status Admitted States CT, NJ, NY, PA

MacAfee & Edwards Inc. - Mexican Insurance Specialist Coverages Int’l Coverage - Commercial, Int’l Coverage Personal Carrier Status Non-admitted States All States

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

MexiPass International Insurance Services LLC

Manufacturers

NeitClem Wholesale Insurance Brokerage Inc.

5Star Business Auto Program (Misc. classes)

Coverages Auto Comm-Standard Liability & Physical Damage Carrier Status Admitted States All States except CA, LA, MA

5Star D&O Program

Coverages D&O, EPLI, Fiduciary Liab Carrier Status Admitted States All States

Alliant Specialty Insurance Services Inc.

Coverages Auto Comm-Standard, GKLL, GL, Inland Marine, Products Liab, Property, Workers’ Comp Carrier Status Admitted States All States

Applied Underwriters Inc.

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

Atlas General Insurance Services

Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States except MS, MO, NY, TX

Axon Underwriting LLC

Coverages Commercial Marine, Environmental Liab, Pollution, Pollution Liab Carrier Status Admitted States All States

Berkley Specialty Underwriting Mgrs - Environmental Div Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, E&O, Employee Benefits, Environmental Liab, Pollution, Pollution Liab, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Burns & Wilcox - All Offices

Coverages CGL, Excess Liab, Inland Marine, Property, Umbrella Carrier Status Admitted, Non-admitted States All States except AK, DC, HI

Calco Commercial Insurance

Coverages CGL, Excess Liab, Products Liab Carrier Status Non-admitted States All States

CID Insurance Programs Inc.

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

Citadel Insurance Services, LC

Coverages Auto Comm-Standard, Cyber Liab, GL, Products Liab Carrier Status Non-admitted States All States

Empire Underwriters LLC

Coverages All Risks/Cash in Transit, Auto Comm-Standard, Boiler & Machinery, BOP, Business Interruption, CGL, Commercial Excess, Completed Operations Liab, Hail, Inland Marine, Motor Truck Cargo, Personal Property, Products Liab, Property, Wind, Workers' Comp Carrier Status Admitted, Non-admitted States Most States

Financial Risk Solutions Inc.

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

Great American Ins. Group - Executive Liability Division

Coverages Community/Social Svcs, D&O, EPLI, Excess Liab, Fiduciary Liab Carrier Status Admitted States All States

Griffin General Agency Inc.

Coverages CGL, Property Carrier Status Non-admitted States TX

INSURANCEJOURNAL.COM

Coverages Int’l Coverage - Commercial, Int’l Coverage Personal States All States

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

Norman-Spencer International Inc.

Coverages Auto Comm-Standard Liability & Physical Damage, Auto Pers-Nonstandard, Boiler & Machinery, Business Income, Business Interruption, CGL, Commercial Excess Carrier Status Admitted States All States

Parcel Insurance Plan

Coverages Cargo, Inland Marine Carrier Status Admitted States All States

Patriot Underwriters Inc.

Coverages Excess Liab, Umbrella, Workers’ Comp Carrier Status Admitted States All States except ND, OH, WA, WY

Pennsylvania Lumbermens Mutual Insurance Company

Marina Operators Evolution Insurance Brokers

Coverages Bailee/Customer Goods, Boats, Business Interruption, D&O, Fire, Fire Legal Liab, Hoist/Haul-out, Inland Marine, Liability, Loss of Use, Misc Professional Liab, Ship Repairers Legal, Theft, Uninsured Boaters, Watercraft Liab Carrier Status Non-admitted States Most States

Maritime Program Group

Coverages Care/Custody/Control, Marina Operators Legal Carrier Status Admitted States All States except HI

Markel Personal Lines

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

Midlands Management Corp.

Coverages CGL, Commercial Marine, Property, Watercraft Liab Carrier Status Non-admitted States All States except CA, DC, NY

Prime Insurance Company

Safehold Special Risk

Coverages Environmental Liab, Equipment, GL, Hired & Non-owned Auto, Property, Protection & Indemnity (P&I), Ship Repairers Legal, Umbrella, USL&H, Workers’ Comp Carrier Status Admitted States All States

T.H.E. Insurance Company

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

TCA Inc.

Coverages Boats, Builders Risk, CGL, Commercial Excess, Commercial Marine, Contractors Equip, Excess Liab, GL, Hull, Liability, Marina Operators Legal, Piers & Docks, Pollution, Pollution Liab, Professional Liab, Property, Protection & Indemnity (P&I), Ship Repairers Legal, Tools & Equip, Wet Marine Carrier Status Admitted, Non-admitted States All States

The Hanover Insurance Group

Personal Safeguards Group LLC

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

Prime Insurance Company

Advanced E&S Group - Southeast Region

Coverages Auto Comm-Standard, CGL, Commercial Marine, EPLI, Equipment Breakdown, Inland Marine, Liability, Property, Umbrella Carrier Status Admitted States All States Coverages Product Extended Warranty, Service Contracts, Warranties, Extended Carrier Status Admitted States All States except HI, NH, VT Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States All States

Professional Liability Ins. Svcs - Underwriting Facilities

Coverages Business Income, Business Interruption, Food Borne Illness Carrier Status Non-admitted States All States

Quirk & Company

Coverages CGL, Environmental Liab, Equipment, Excess Flood, Flood, Kidnap/Ransom, Products Liab, Professional Liab, Property Carrier Status Non-admitted States LA, OK, OR, TX, WA

Rockwood Programs Inc.

Coverages Cyber Liab, EPLI Carrier Status Admitted, Non-admitted States All States except AK, WA

Southwest Risk

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

tKg Wholesale Brokerage

Coverages CGL, Commercial Excess, Inland Marine, Property, Workers’ Comp Carrier Status Non-admitted States All States

USX/S

Coverages CGL, Cyber Liab, Int’l Coverage - Commercial, Pollution, Products Liability, Property, Umbrella Carrier Status Admitted, Non-admitted States All States

Walter General Agency (WGA)

Coverages Boiler & Machinery, Builders Risk, Business Income, Business Interruption, Cargo, CGL, Commercial Excess, Completed Operations Liab, Excess Liab, Hired & Non-owned Auto, Liability, Medical Payments, Motor Truck Cargo, Products Liab, Property, Technology E&O, Theft, Tools & Equip, Umbrella Carrier Status Non-admitted States AR, IA, ID, IL, IN, KS, KY, MO, OK, TN

Marina/Boat Repair & Service Centers Coverages Boats, Liability, Marina Operators Legal, Property, Ship Repairers Legal, Watercraft Liab, Wet Marine Carrier Status Admitted, Non-admitted States All States

All Risks Ltd.

Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Builders Risk, Bumbershoot, Cargo, GL, MEL, Property, Umbrella, USL&H, Workers’ Comp Carrier Status Non-admitted States All States

Maritime Program Group

Coverages Auto Comm-Standard, Boats, Boiler & Machinery, Builders Risk, Business Income, Business Interruption, Care/Custody/Control, CGL, Commercial Excess, Commercial Marine, Crime, Dealers Open Lot, Equipment, Excess Liab, Fire, GL, Hull, Inland Marine, Legal Liab, Marina Operators Legal, Piers & Docks, Property, Ship Repairers Legal, Theft, Tools & Equip, Umbrella, Uninsured Motorists, Workers’ Comp Carrier Status Admitted States All States except HI

Markel Personal Lines

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

Prime Insurance Company

Southern Insurance Underwriters Inc. CMGA

Coverages Bailee/Customer Goods, Blanket Addt’l Insureds & Waivers, Business Income & Interruption, Care/Custody/ Control, Commercial Marine, Contractors Equip, Crime, Earthquake, Equipment, Excess, Fire, Flood, GL, Hail, Hired & Non-owned Auto, Hoist/Haul-out, Hull, Hurricane, Inland Marine, Liability, Marina Operators Legal, Misc Professional Liab, Personal Property, Piers & Docks, Pollution, Property, Theft, Tools & Equip, Umbrella, Uninsured Boaters, USL&H, Watercraft/ Watersports Liab, Wind, WC Carrier Status Admitted, Non-admitted States Most States

DECEMBER 4, 2017 INSURANCE JOURNAL | NATIONAL | 57

2017 Annual Program Directory, Volume II Sun Coast General Insurance Agency

Coverages Boats, Care/Custody/Control, CGL, Commercial Marine, Marina Operators Legal, Piers & Docks, Ship Repairers Legal, Tools & Equip, Uninsured Boaters, Watercraft Liab, Wet Marine Carrier Status Admitted, Non-admitted States AK, AZ, CA, CO, FL, NV, OR, UT, WA

TCA Inc.

The Hanover Insurance Group

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

The Hanover Insurance Group

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

Martial Arts Facilities K&K Insurance Group Inc.

Coverages Abuse & Molestation, CGL, Equipment, Inland Marine, Medical Payments, Participant Accident Carrier Status Admitted States All States

Markel Specialty

Philadelphia Insurance Companies

Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Builders Risk, Bumbershoot, Care/Custody/ Control, GL, MEL, Property, Umbrella, USL&H, Workers’ Comp Carrier Status Non-admitted States All States

Coverages Abuse & Molestation, Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Professional Liab, Property, Real & Business Personal Prop, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA

Maritime Program Group

Prime Insurance Company

Marinas/Boat Dealers All Risks Ltd.

Coverages Boiler & Machinery, CGL, Commercial Marine, Excess Liab, Inland Marine, Liquor Liab, Marina Operators Legal, Piers & Docks, Protection & Indemnity (P&I), Ship Repairers Legal, Wet Marine Carrier Status Admitted States All States

Midlands Management Corp.

Coverages Marina Operators Legal, Property Carrier Status Non-admitted States All States except DC

Norman-Spencer Agency Inc.

Coverages Auto Comm-Standard, Bumbershoot, Equipment, GL, Marina Operators Legal, Property, Protection & Indemnity (P&I), USL&H, Watercraft Liab, Workers’ Comp Carrier Status Admitted States All States

Philadelphia Insurance Companies

Coverages Abuse & Molestation, Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Boats, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Garage Keepers Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Property, Protection & Indemnity (P&I), Real & Business Personal Prop, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except AK, LA, MS, NM

Prime Insurance Company

Safehold Special Risk

Coverages EPLI, Equipment, Equipment Breakdown, GL, Hired & Non-owned Auto, Legal Liab, Marina Operators Legal, Physical Damage, Ship Repairers Legal, Umbrella, Workers’ Comp Carrier Status Admitted States All States

Southern Insurance Underwriters Inc. CMGA

Coverages Auto Comm-Standard, Bailee/Customer Goods, Blanket Addt’l Insureds, Blanket Waivers, Business Income, Business Interruption, Care/Custody/Control, Commercial Marine, Crime, Earthquake, Equipment, Excess Liab, Fire Legal Liab, Flood, GL, Hail, Hired & Non-owned Auto, Hoist/ Haul-out, Hull, Inland Marine, Legal Liab, Liability, Liquor Liab, Marina Operators Legal, Piers & Docks, Pollution, Protection & Indemnity (P&I), Umbrella, USL&H, Watercraft Liab, Watersports Liab, Wet Marine, Wind, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States

Sun Coast General Insurance Agency

Coverages Boats, Cargo, CGL, Commercial Marine, Hull, Physical Damage Rental Units, Piers & Docks, Ship Repairers Legal, Uninsured Boaters, Watercraft Liab, Wet Marine Carrier Status Admitted, Non-admitted States AK, AZ, CA, CO, FL, NV, OR, UT, WA

TCA Inc.

Quaker Special Risk (New Jersey)

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

Quaker Special Risk (New York)

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

Medical Imaging Centers Allied Protector Plan

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

Pro-Praxis Insurance

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

Quaker Special Risk (New Jersey)

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

Medical Marijuana Dispensaries/Growers M.J. Hall & Company Inc.

Coverages Business Income, CGL, GL, Products Liab, Property, Theft Carrier Status Admitted States CA

Patriot Underwriters Inc.

Coverages Excess Liab, Umbrella, Workers’ Comp Carrier Status Admitted States AR, CO, DC, FL, LA, MD, ME, MI, MT, NM, NV, NY, OR, PA

PEO Brokers Group

Sports & Fitness Insurance Corporation (SFIC)

Coverages GL, Products Liab, Professional Liab, Property, Workers’ Comp Carrier Status Non-admitted States All States

Coverages Accident & Health, Accidental Death, Auto Comm-Standard, Builders Risk, Business Income, Business Interruption, CGL, Crime, Earthquake, Employee Benefits, EPLI, Flood, GL, Glass, Homeowners Pkg, Liability, Medical, Professional Liab, Property Carrier Status Admitted States All States

Medical & Physical Rehab Facilities All Risks Ltd.

Coverages Abuse & Molestation, GL, Hired & Non-owned Auto, Professional Liab, Workers’ Comp Carrier Status Non-admitted States All States

Monitor Liability Managers

Coverages D&O, EPLI, Fiduciary Liab Carrier Status Admitted, Non-admitted States All States

Prime Insurance Company

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

Professional Program Insurance Brokerage

Medical Professionals Access E&S Insurance Services (VA)

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

Burns & Wilcox - All Offices

Coverages Auto Comm-Nonstandard, CGL, Excess Liab, Professional Liab, Property Carrier Status Admitted, Non-admitted States All States except AK, DC, HI

J.M. Wilson

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

NeitClem Wholesale Insurance Brokerage Inc.

Pro-Praxis Insurance

Prime Insurance Company

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

Quaker Special Risk (New Jersey)

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

RPS Healthcare

Coverages D&O, E&O, Liability, Medical Malpractice, Professional Liab Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States All States

RLI Transportation

Coverages Auto Comm-Nonstandard, Auto Comm-Standard Carrier Admitted States All except AK, DC, HI, LA, MA

Coverages D&O, EPLI, Excess Liab, GL, Medical Professional, Professional Liab, Property States All States

RPS Healthcare

Medical Device/Instrument Mfr.

TDC Specialty Underwriters

AmWINS Group Inc. - 100 Locations Worldwide

Coverages Crime, D&O, EPLI, Excess Liab, Fidelity Bonds, GL, Hired & Non-owned Auto, Professional Liab, Property, Workers’ Comp Carrier Status Admitted States All States

Prime Insurance Company

Professional Program Insurance Brokerage

Coverages Abuse & Molestation, Blanket Addt’l Insureds, CGL, Commercial Excess, EPLI, GL, Liability, Products Liab, Property Carrier Status Non-admitted States All States

Quaker Special Risk (Florida)

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

Quaker Special Risk (Mass.)

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

58 | INSURANCE JOURNAL | NATIONAL DECEMBER 4, 2017

Coverages EPLI, Excess Liab, GL, Medical Professional Carrier Status Admitted, Non-admitted States All States Coverages Liability, Medical Malpractice, Professional Liab Carrier Status Admitted, Non-admitted States All States except KS, NH, NY

The McGowan Companies

Coverages Misc Professional Liab, Professional Liab Carrier Status Admitted, Non-admitted States All States

USX/S

Coverages Abuse & Molestation, Breach of Security, CGL, Cyber Liab, Identity Theft, Medical Malpractice Carrier Status Admitted, Non-admitted States All States

Medical Spas Allied Protector Plan

Coverages GL, Medical Malpractice, Medical Professional Carrier Status Non-admitted States All States

Prime Insurance Company

INSURANCEJOURNAL.COM

2017 Annual Program Directory, Volume II Pro-Praxis Insurance

Arrowhead General Insurance Agency Inc.

Professional Program Insurance Brokerage

Brecht & Associates

Coverages E&O, Professional Liab Carrier Status Admitted States All States Coverages Abuse & Molestation, BOP, CGL, Professional Liab, Property Carrier Status Non-admitted States All States

Mental Health Care Facilities AFC Insurance

Coverages Abuse & Molestation, Boiler & Machinery, Business Interruption, CGL, COC, D&O, Developmental Disabilities, Employee Benefits, Inland Marine, Mental Health Care, Misc Professional Liab, Professional Liab, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except AL, AK, HI

Allied Protector Plan

Coverages GL, Medical Malpractice, Medical Professional Carrier Status Non-admitted States All States

Irwin Siegel Agency Inc.

Coverages Addiction Treatment, Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Crime, GL, Inland Marine, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States except DC, HI

Negley Associates

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

NIF Group Inc.

Coverages Abuse & Molestation, Addiction Treatment, Auto Comm-Standard, Boiler & Machinery, Business Income, Business Interruption, D&O, E&O, EPLI, Fiduciary Liab, Fire Legal Liab, GL, Inland Marine, Liability, Medical & Physical Rehab, Medical Malpractice, Medical Payments, Mental Health Care, Products Liab, Professional Liab, Umbrella Carrier Status Admitted States All States except HI, LA

Philadelphia Insurance Companies

Prime Insurance Company

Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property States All States

RPS PNP

Coverages Business Income, GL, Liability, Physical Damage, Property States Most States Coverages Excess Liab, GL, Inland Marine, Property Carrier Status Non-admitted States TX

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

Evolution Insurance Brokers

Coverages Dwelling Fire, Earthquake, Fire, Fire Legal Liab, Homeowners Pkg, Liability, Mobile Home Ins, Rented Property, Renters Insurance, Theft Carrier Status Non-admitted States Most States

Gorst & Compass Insurance

Coverages Business Income, CGL, Property Carrier Status Non-admitted States CA

Coverages Accident & Health, Auto Comm-Standard, Care/ Custody/Control, CGL, Crime, Equipment, Excess Liab, GL, Participant Accident, Property States All States except DC

King Insurance Support Systems

JD Fulwiler & Company Insurance

Coverages Auto Comm-Standard, Crime, Inland Marine, Liability, Property, Umbrella Carrier Status Admitted, Non-admitted States AZ, CA, CO, IA, ID, IL, IN, MI, MO, MT, NC, NE, NV, OH, OK, OR, PA, SC, TN, TX, UT, WA, WI

Philadelphia Insurance Companies

Coverages Auto Comm-Standard, Boiler & Machinery, CGL, D&O, Employee Benefits, EPLI, Equipment, Fire Legal Liab, GL, Hired & Non-owned Auto, Liability, Property, Umbrella, Uninsured Motorists, Uninsured Personal Injury Carrier Status Admitted States All States except LA

Prime Insurance Company

South & Western General Agency Inc.

5Star Garage Services & Auto Dealers Program

Coverages EPLI, Fire Legal Liab, Garage Keepers Legal Liab, Garage Liability, Hired & Non-owned Auto, Legal Liab, Property, Uninsured Motorists Carrier Status Admitted States All States

Prime Insurance Company

Mobile Home Parks (Commercial) Anderson & Murison Inc.

Coverages CGL, Professional Liab, Property Carrier Status Non-admitted States CA

INSURANCEJOURNAL.COM

Coverages Auto Comm-Standard, Business Interruption, Cast Insurance, CGL, E&O, Negative Film, Props, Sets, Umbrella, Wardrobe, Workers’ Comp Carrier Status Admitted States All States except WY

Philadelphia Insurance Companies

Coverages Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, Cyber Liab, D&O, EPLI, Equipment Breakdown, Inland Marine, Professional Liab, Property, Umbrella Carrier Status Admitted States All States except LA

U.S. Risk Insurance Group LLC

Coverages CGL, Crime Carrier Status Admitted, Non-admitted States All States

Motor Sports

Coverages GL, Property Carrier Status Admitted States AR, MS, NM, OK, TN, TX

All Risks Ltd.

Mortgage Bankers/Lenders All Risks Ltd.

Coverages Collateral Protection, Flood, GL, Mortgage Impairment Carrier Status Admitted, Non-admitted States All States

Gerald J. Wilkoff Inc.

Coverages Contractors License Bonds, Crime, Fidelity, Fidelity Bonds, Fiduciary Liab Carrier Status Admitted States All States

Insurmark, Div of Financial & Professional Risk Solutions

RPS - Executive Lines Division

Russell Bond & Co. Inc.

Mobile Auto Detailer

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

Coverages CGL, Equipment Breakdown, Excess Liab, Hired & Non-owned Auto Carrier Status Admitted States CT, MA, ME, NH, NY, PA, RI, VT

Metalworking Companies

Coverages Auto Comm-Standard, Crime, Equipment Breakdown, GL, Inland Marine, Property, Stop-Gap, Umbrella Carrier Status Admitted States All States

Motion Picture (Film/Video) Producers

All Risks Ltd.

Allen Financial Ins. Group / The Equestrian Group

Insurance Center Special Risks Ltd.

AmWINS Group Inc. - 100 Locations Worldwide

Smith, Bell & Thompson Inc.

Coverages Crime, Cyber Liab, D&O, E&O, EPLI, Fidelity, Kidnap/Ransom Carrier Status Non-admitted States All States

Victor O. Schinnerer & Company

Coverages Business Interruption, Crime, Cyber Liab, D&O, E&O, EPLI, Kidnap/Ransom Carrier Status Admitted, Non-admitted States All States

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

RPS - Executive Lines Division

Coverages Blanket Forced Placed, Collateral Protection, Difference in Conditions, Excess Flood, Force Place Fire Cvrg, Foreclosed Properties, Mortgage Impairment, Mortgage REO Cvrg Carrier Status Non-admitted States All States except AK, HI

van Wagenen Financial Services

Coverages Blanket Forced Placed, Boiler & Machinery, CGL, Collateral Protection, Compliance Mgmt, Dwelling Fire, E&O, Earthquake, Flood, Force Place Fire Cvrg, Foreclosed Properties, Mobile Home Ins, Mortgage REO Cvrg, Property, Residential Property Carrier Status Admitted States All States except DC

Mortgage Brokers Fox Point Programs

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

Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Business Income, Crime, GL, Participant Accident, Workers’ Comp Carrier Status Non-admitted States All States

Philadelphia Insurance Companies

Coverages Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Boiler & Machinery, CGL, Crime, D&O, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Legal Expense Insurance, Personal Property, Protection & Indemnity (P&I), Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA

Prime Insurance Company

Motorcycle Dealers / Dealerships All Risks Ltd.

Coverages Garage Liability, GKLL, Workers’ Comp Carrier Status Admitted States All States except ND, OH, OR, WA, WY

AmWINS Group Inc. - 100 Locations Worldwide Coverages Pollution, Pollution Liab Carrier Status Non-admitted States All States

K&K Insurance Group Inc.

Coverages Business Income, Crime, Employee Benefits, EPLI, Garage Liability, Inland Marine, Workers’ Comp Carrier Status Admitted States All States

Prime Insurance Company

Williams & Stazzone Insurance Agency Inc.

Gerald J. Wilkoff Inc.

Coverages Crime, Dealers Open Lot, EPLI, Garage Keepers Legal Liab, Garage Liability, Property, Umbrella Carrier Status Admitted States All States

Logic Underwriters Inc.

JD Fulwiler & Company Insurance

Coverages Contractors License Bonds, Crime, Fidelity, Fidelity Bonds, Fiduciary Liab Carrier Status Admitted States All States Coverages BOP, E&O Carrier Status Admitted, Non-admitted States TX

Philadelphia Insurance Companies

Movie Boats Coverages Hull, Protection & Indemnity (P&I), USL&H, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except WY

Coverages BOP, Identity Theft, Misc Professional Liab Carrier Status Admitted States All States except LA

DECEMBER 4, 2017 INSURANCE JOURNAL | NATIONAL | 59

2017 Annual Program Directory, Volume II Moving & Storage Companies

Program Brokerage Corporation

Prime Insurance Company

Coverages All Risks/Cash in Transit, Crime, Fine Arts, Legal Liab, Liability, Property, Umbrella Carrier Status Admitted States All States

The Hanover Insurance Group

All Risks Ltd.

Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States All States Coverages Cargo, Equipment, Liability, Motor Truck Cargo, Property Carrier Status Admitted States All States

Moving Companies Delta General Agency Corp.

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

Empire Underwriters LLC

Coverages CGL, Motor Truck Cargo, Workers' Comp Carrier Status Admitted, Non-admitted States AL, AR, AZ, CA, CO, FL, GA, IL, IN, KY, LA, MI, MO, MS, NC, NJ, NM, NV, NY, OH, PA, SC, TN, TX, VA

Paul Hanson Partners Specialty Ins./Mover's Choice

Coverages Auto Comm-Standard Liability & Physical Damage, Business Income, Cargo, CGL, Crime, Equipment, Hired & Non-owned Auto, Inland Marine, Motor Truck Cargo, Property, Truck Auto Liab, Umbrella, Uninsured Motorists, Workers’ Comp Carrier Status Admitted States All States

Prime Insurance Company

The Hanover Insurance Group

Coverages Cargo, Equipment, Liability, Motor Truck Cargo, Property Carrier Status Admitted States All States

Municipalities Alliant Specialty Insurance Services Inc.

Coverages Inland Marine, Property, Umbrella Carrier Status Non-admitted States All States except FL

Greene & Associates

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

Midlands Management Corp.

Coverages Excess Liab, Liability, Police Professional Liab, Professional Liability, Public Officials, Workers’ Comp Carrier Status Admitted States All States except CA, DC, NY

Philadelphia Insurance Companies

Coverages Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, Employee Benefits, Equipment Breakdown, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Property, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA

Professional Governmental Underwriters

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

Museums Affinity Nonprofits

Coverages D&O, EPLI, Fiduciary Liab, Non-Profit D&O Carrier Status Admitted States All States except HI

Distinguished Programs

Coverages Commercial Excess, D&O, EPLI, Excess Liability, Foreign GL, Liability, Non-Profit D&O, Umbrella Carrier Status Admitted, Non-admitted States All States

Great American Ins. Group, Specialty Human Services

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

Markel Specialty

Coverages Accident & Health, Auto Comm-Standard, Completed Operations Liab, Crime, Equipment Breakdown, Fine Arts, GL, Historic Bldgs/Unique Property, Inland Marine, Professional Liability, Property, Umbrella Carrier Status Admitted States All States except DC, HI

Music, Touring & Live Events Coverages Accidental Death, Contingent Coverages, Event Cancellation, Excess Liability, GL, Hired & Non-owned Auto, Inland Marine, Liquor Liability, Medical Carrier Status Non-admitted States All States

Nanny Services Prime Insurance Company

Networking/Telecommunication Co’s AMIS/Alliance Marketing & Insurance Services LLC Coverages Auto Comm-Standard Liability & Physical Damage, BOP, Liability, Property, Workers’ Comp Carrier Status Admitted States All States

RPS Technology & Cyber

Night Clubs

Care Providers Insurance Services LLC

Coverages Abuse & Molestation, Auto Comm-Standard Liability & Physical Damage, Business Interruption, Crime, D&O, Equipment Breakdown, GL, Hired & Non-owned Auto, Liability, Participant Accident, Professional Liab, Property, Theft, Umbrella Carrier Status Admitted States All States except AK, HI

Charity First Insurance Services Inc.

Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, Boiler & Machinery, Business Income, CGL, Crime, EPLI, Equipment Breakdown, Int’l Coverage - Commercial, Liquor Liab, Non-Profit D&O, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States

CID Insurance Programs Inc.

Coverages BOP, Commercial Excess, D&O, EPLI, Excess Liab, GL, Liability, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States CA, CO, MD, NE, NM, NV, OR, TN, TX, UT, WA

Gateway Specialty Insurance

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

Great American Ins. Group - Executive Liability Division

Coverages Community/Social Svcs, D&O, EPLI, Excess Liab, Fiduciary Liab Carrier Status Admitted States All States

Indemnity Excess & Surplus Agency Inc.

Alamo Surety Bonds

Coverages BOP, E&O, EPLI, Non-Profit D&O Carrier Status Admitted States All States except DC, LA

Founders Insurance Company

Coverages Abuse & Molestation, BOP, EPLI, GL, Liquor Liab, Non-Profit D&O Carrier Status Admitted, Non-admitted States CT, MA, ME, NH, NY, PA, RI, VT

Coverages Fidelity Bonds, Surety Bonds Carrier Status Admitted States AL, AZ, CO, FL, GA, IN, KS, LA, MO, MS, NC, NV, TX Coverages Assault & Battery, Liquor Liability Carrier Status Admitted, Non-admitted States AL, CO, CT, FL, IA, IL, IN, KS, LA, MD, MI, MN, MT, NC, NH, NV, NY, OH, OR, TN, VA, WI

Innovative Coverage Concepts

Coverages Assault & Battery, CGL, Completed Operations Liability, Food Spoilage, Liquor Liability, Property Carrier Status Non-admitted States All States except HI, VT

International Excess Companies

Coverages Assault & Battery, CGL, Commercial Excess, Crime, EPLI, Excess Liab, GL, Hired & Non-owned Auto, Liability, Liquor Liability, Umbrella Carrier Status Non-admitted States All States

NeitClem Wholesale Insurance Brokerage Inc.

Coverages Assault & Battery, Fire, GL, Inland Marine, Liability, Liquor Liab, Spoilage Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX

Number One Insurance Agency

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

Prime Insurance Company

Unifax Insurance Systems Inc.

Coverages GL, Liquor Liab, Property Carrier Status Admitted States CA

Insurance Center Special Risks Ltd.

Irwin Siegel Agency Inc.

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

Markel Specialty

Coverages Abuse & Molestation, Accident & Health, Auto Comm-Standard, Business Income, Crime, Equipment Breakdown, GL, Inland Marine, Kidnap/Ransom, Professional Liability, Property, Umbrella Carrier Status Admitted States All States except DC, HI

MexiPass International Insurance Services LLC

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

Monitor Liability Managers

Coverages D&O, EPLI, Fiduciary Liab, Non-Profit D&O Carrier Status Admitted, Non-admitted States All States

NIF Group Inc.

Coverages Abuse & Molestation, Auto Comm-Standard, Boiler & Machinery, Business Interruption, Commercial Excess, Crime, D&O, E&O, Medical Payments, Property Carrier Status Admitted States All States except HI, LA

Nonprofits Insurance Alliance Group

Coverages Abuse & Molestation, D&O, Fiduciary Liab, GL, Hired & Non-owned Auto, Liability, Physical Damage, Professional Liab, Umbrella Carrier Status Admitted, Non-admitted States Most States

NSM Insurance Group

Coverages D&O, EPLI, Fiduciary Liab, Non-Profit D&O Carrier Status Admitted States All States except HI

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

AMIS/Alliance Marketing & Insurance Services LLC

Philadelphia Insurance Companies

Nonprofit Organizations Affinity Nonprofits

Coverages Auto Comm-Standard Liability & Physical Damage, Liability, Professional Liab, Property Carrier Status Admitted States All States

Burns & Wilcox - All Offices

Coverages Auto Comm-Nonstandard, CGL, Excess Liab, Property Carrier Status Admitted, Non-admitted States All States except AK, DC, HI

Philadelphia Insurance Companies

Coverages Abuse & Molestation, CGL, Property Carrier Status Admitted States All States except LA

60 | INSURANCE JOURNAL | NATIONAL DECEMBER 4, 2017

Coverages Abuse & Molestation, Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Non-Profit D&O, Professional Liab, Property, Real & Business Personal Prop, Sexual Misconduct, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA

Professional Ins. Concepts (fka Crump Prof. Concepts) Coverages D&O, EPLI Carrier Status Admitted States All States

INSURANCEJOURNAL.COM

2017 Annual Program Directory, Volume II Russell Bond & Co. Inc.

Coverages Abuse & Molestation, CGL, Community/Social Svcs, Crime, Cyber Liab, D&O, Developmental Disabilities, E&O, Educator Legal Liab, Fidelity, Fiduciary Liab, Hired & Non-owned Auto, Identity Theft, Kidnap/Ransom, Legal Malpractice, Liquor Liab, Managed Care, Media Liab, Medical & Physical Rehab, Medical Malpractice, Medical Professional, Mental Health Care, Misc Professional Liab, Non-Profit D&O, Police Professional Liab, Products Liab, Professional Liab, Public Officials, Sexual Misconduct, Tenant Discrimination, Umbrella Carrier Status Admitted, Non-admitted States All States except AK, HI, WY

Southern Insurance Underwriters Inc. CMGA

Coverages Abuse & Molestation, Assault & Battery, Business Income, Business Interruption, Community/ Social Svcs, D&O, E&O, Educator Legal Liab, EPLI, Equipment Breakdown, Fire Legal Liab, Flood, Hired & Non-owned Auto, Legal Malpractice, Liability, Managed Care, Mechanical Breakdown, Medical Malpractice, Medical Professional, Non-Profit D&O, Pollution, Products Liability, Professional Liability, Property, Teachers Liability Carrier Status Non-admitted States AL, FL, GA, KY, MI, MS, NC, SC, TN, TX

USX/S

Coverages Abuse & Molestation, Addiction Treatment, Auto Comm-Standard, Auto Comm-Standard Liability, Business Income, Business Interruption, CGL, Commercial Excess, Community/Social Svcs, Crime, Cyber Liab, D&O, Developmental Disabilities, E&O, Employee Benefits, EPLI, Hired & Non-owned Auto, Identity Theft, Liability, Liquor Liab, Managed Care, Medical & Physical Rehab, Medical Malpractice, Mental Health Care, Misc Professional Liab, Non-Profit D&O, Pollution, Property, Religious Institutions, Sexual Misconduct, Teachers Liab, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Victor O. Schinnerer & Company

Coverages Crime, D&O, EPLI, Fiduciary Liab, Kidnap/ Ransom, Non-Profit D&O Carrier Status Admitted States All States

Nurseries / Garden Centers Agricultural Insurance Mgmt Services

Coverages CGL, Contractors Equip, Equipment, Equipment Breakdown, Products Liab, Property Carrier Status Admitted States Most States

Mark D. Fredricksen Insurance Services

Coverages CGL, Property Carrier Status Admitted States All States except AK, DC, FL, HI

Rockwood Programs Inc.

Coverages Cyber Liab, EPLI Carrier Status Admitted, Non-admitted States All States except AK, WA

Gerald J. Wilkoff Inc.

Coverages BOP, CGL, Excess Liab, Property Carrier Status Admitted, Non-admitted States AK, AZ, CA, HI, NV

Patriot Underwriters Inc.

MG Skinner & Associates

Coverages Excess Liab, Umbrella, Workers’ Comp Carrier Status Admitted States All States except ND, OH, WA, WY

Philadelphia Insurance Companies

Coverages Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Fire Legal Liab, Hired & Nonowned Auto, Identity Theft, Property, Real & Business Personal Property, Uninsured Motorists Carrier Status Admitted States All States except LA

Prime Insurance Company

Quadrant Insurance Managers RPS Healthcare

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

Sapphire Blue

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

USX/S

Coverages Abuse & Molestation, GL, Professional Liab, Umbrella Carrier Status Non-admitted States All States

Atlas Financial Holdings - View Co. Info on Page 76

Coverages Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, GL, Medical Payments, Uninsured Motorists Carrier Status Admitted States All States

CRC Insurance Services - All Offices

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

Empire Underwriters LLC

Coverages Abuse & Molestation, Assault & Battery, Blanket Addt'l Insureds, Blanket Waivers, Boiler & Machinery, Business Income, CGL, Commercial Excess, EPLI, Hired & Non-owned Auto, Pollution Liab, Professional Liab, Workers' Comp Carrier Status Admitted, Non-admitted States AL, AR, AZ, CA, CO, FL, GA, IL, IN, KY, LA, MI, MO, MS, NC, NJ, NM, NV, NY, OH, PA, SC, TN, TX, VA

Evolution Insurance Brokers

Coverages Abuse & Molestation, D&O, Fire, Fire Legal Liab, Liability, Mechanical Breakdown, Misc Professional Liab, Sexual Misconduct, Theft, Tools & Equip Carrier Status Non-admitted States Most States

INSURANCEJOURNAL.COM

Coverages Boiler & Machinery, Commercial Excess, Equipment Breakdown, Excess Liab, Lessor Only Excess Liab, Mechanical Breakdown, Umbrella Carrier Status Admitted States All States

Specialty Programs & Facilities Mgrs Inc. (AmWINS)

Coverages Environmental Liab, GL, Property, Umbrella Carrier Status Admitted, Non-admitted States AZ, CA, CO, NV, OR, UT, WA

UCA General Insurance Services

Western Security Surplus Insurance Brokers Inc.

AAU, A division of USG Insurance Services

Coverages Abuse & Molestation, Addiction Treatment, CGL, E&O, Earthquake, Fire, Fire Legal Liab, GL, Liability, Managed Care, Medical & Physical Rehab, Medical Malpractice, Mental Health Care, Physical Damage, Professional Liab, Property Carrier Status Non-admitted States CA, TX

Nutraceutical Manufacturers/ Distributors

Oil & Gas Operators Coverages Auto Comm-Standard, Contractors Equip, Environmental Liab, GL, Inland Marine, Pollution, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Alamo Surety Bonds

Coverages Performance & Payment Bonds, Surety Bonds Carrier Status Admitted States AL, AZ, CO, FL, GA, IN, KS, LA, MO, MS, NC, NV, TX

Alliant Specialty Insurance Services Inc.

Citadel Insurance Services, LC

Coverages Completed Operations Liab, GL, Identity Theft, Products Liab Carrier Status Non-admitted States All States

Professional Program Insurance Brokerage

Quaker Special Risk (New Jersey)

AmWINS Group Inc. - 100 Locations Worldwide

Coverages Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Employee Benefits, EPLI, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Property, Real & Business Personal Prop, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA

5Star Paratransit Program

Coverages Abuse & Molestation, Employee Benefits, GL, Hired & Non-owned Auto, Professional Liab, Property Carrier Status Non-admitted States All States

Philadelphia Insurance Companies

Coverages Abuse & Molestation, Auto Comm-Standard, Business Income, Cyber Liab, D&O, Environmental Liab, EPLI, Food Borne Illness, GL, Identity Theft, Medical Malpractice, Medical Professional, Property, Sexual Misconduct Carrier Status Admitted, Non-admitted States All States

Nursing Homes

All Risks Ltd.

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

Preferred Property Programs

Coverages GL, Professional Liab Carrier Status Non-admitted States FL, TX

Coverages Abuse & Molestation, Blanket Addt’l Insureds, CGL, Commercial Excess, EPLI, GL, Liability, Products Liab, Property Carrier Status Non-admitted States All States

Coverages Auto Comm-Standard Liability & Physical Damage, EPLI, Excess Liab, GL, Medical Payments, Physical Damage, Umbrella, Uninsured Motorists Carrier Status Admitted States Most States

M.J. Hall & Company Inc.

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

Coverages CGL, Commercial Excess, GL, Liability, Products Liab Carrier Status Non-admitted States Most States

Worldwide Facilities LLC

Citadel Insurance Services, LC

Coverages Auto Comm-Standard, EPLI, GL, Pollution Liab, Stop-Gap Carrier Status Admitted States All States

LIG Marine Managers

Coverages USL&H, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Coverages Blanket Addt’l Insureds, Business Interruption, CGL, Products Liab Carrier Status Admitted, Non-admitted States All States

Southwest Energy Underwriters Inc.

Office Building Owners

Target Managers Insurance Services

Advanced E&S Group - Midwest Region

AFG Partners

Coverages Excess Flood, Property Carrier Status Admitted, Non-admitted States All States

Apartment Insurance Consultants LLC

Coverages Equipment Breakdown, Excess Liab, Liability, Property Carrier Status Admitted, Non-admitted States All States except NY, OK

Appleby & Sterling

Coverages Business Income, CGL, Property Carrier Status Admitted States AZ, CA, NV

Coverages CGL, Commercial Excess, Control of Well, Equipment, Pollution, Pollution Liab, Property, Umbrella Carrier Status Non-admitted States All States Coverages Auto Comm-Standard, CGL, Environmental Liab, Excess Liab, Pollution Liab, Property, Truck Auto Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Western Surplus Lines Agency Inc.

Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Commercial Excess, Completed Operations Liab, Contractors Equip, Control of Well, Employee Benefits, Fire Legal Liab, Hired & Non-owned Auto, Inland Marine, Medical Payments, Misc Professional Liability, Pollution Liability, Products Liability, Professional Liability Carrier Status Non-admitted States TX

Worldwide Facilities LLC

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

Orchards - Agriculture

Burns & Wilcox - All Offices

Coverages CGL, Excess Liab, Inland Marine, Professional Liab, Property, Umbrella Carrier Status Admitted, Nonadmitted States All States except AK, DC, HI

Agricultural Insurance Mgmt Services

Crusader Insurance Company

Allen Financial Ins. Group / The Equestrian Group

Coverages GL, Property Carrier Status Admitted States CA

Distinguished Programs

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

Coverages CGL, Contractors Equip, Products Liab, Property Carrier Status Admitted States Most States Coverages Auto Comm-Standard, Boiler & Machinery, Business Interruption, Commercial Excess, Flood, Motor Truck Cargo, Pollution Liab Carrier Status Admitted States All States except AK, DC, HI, TX

DECEMBER 4, 2017 INSURANCE JOURNAL | NATIONAL | 61

2017 Annual Program Directory, Volume II Mark D. Fredricksen Insurance Services

Coverages Auto Comm-Standard, Equipment, Fire, Herbicide & Pesticide, Property Carrier Status Admitted States All States except DC

Osteopaths TDC Specialty Underwriters

Coverages Liability, Medical Malpractice, Professional Liab Carrier Status Admitted, Non-admitted States All States except KS, NH, NY

Pawn Shops All Risks Ltd.

Coverages Employee Benefits, Equipment Breakdown, GL, Hired & Non-owned Auto, Medical Payments, Personal Property, Property Carrier Status Non-admitted States All States except HI

Prime Insurance Company

Pest Control Firms 5Star Business Auto Program (Misc. classes)

Coverages Auto Comm-Standard Liability & Physical Damage, Uninsured Motorists Carrier Status Admitted States All States except CA, LA, MA

All Risks Ltd.

Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Blanket Addt’l Insureds, Care/Custody/Control, Crime, Employee Benefits, Excess Liab, GL, Hired & Non-owned Auto, Inland Marine, Lost Key, Pollution, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Non-admitted States All States

Brownyard Group

Coverages Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, Care/Custody/Control, CGL, Commercial Excess, Completed Operations Liab, Crime, E&O, Environmental Liab, Equipment Breakdown, Fidelity, Fire Legal Liab, GL, Herbicide & Pesticide, Inland Marine, Liability, Lost Key, Medical Payments, Pollution Liab, Products Liab, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except LA

Burns & Wilcox - All Offices

Coverages CGL, Environmental Liab, Excess Liab, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States except AK, DC, HI

Pet Salons/Kennels/Supplies

Piers & Docks

A.I.I. Insurance Brokerage of Mass. Inc.

All Risks Ltd.

Coverages Business Income, CGL, Equipment Breakdown, Misc Professional Liab, Real & Business Personal Prop Carrier Status Non-admitted States CT, MA, NH, RI

Allen Financial Ins. Group / The Equestrian Group

Coverages BOP, Business Income, Care/Custody/Control, Excess Liab, Livestock/Animal Mortality, Professional Liab Carrier Status Admitted States AZ, CA, CO, NM, NV, OR, TX, UT, WA

LIG Marine Managers

Continental Brokers Inc.

Coverages BOP, Medical, Mortality, Property, Theft, Umbrella, Workers’ Comp Carrier Status Admitted States All States

Evolution Insurance Brokers

Southern Insurance Underwriters Inc. CMGA

Prime Insurance Company

The Hanover Insurance Group

Coverages Bailee/Customer Goods, Care/Custody/ Control, D&O, Fire, Fire Legal Liab, Liability, Livestock/ Animal Mortality, Misc Professional Liab, Products Liab, Professional Liab, Theft, Tools & Equip Carrier Status Non-admitted States Most States Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States All States

Wildlife Insurance Underwriters LLC

Coverages BOP, Flood, GL, Horse Mortality Carrier Status Admitted States All States

Petroleum Distributors AmWINS Transportation Underwriters Inc.

Coverages Auto Comm-Standard Phys Dmg, GL, Pollution Liab Carrier Status Admitted States Most States

Midwestern Insurance Alliance LLC

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

Philadelphia Insurance Companies

Target Managers Insurance Services

Philadelphia Insurance Companies

Allied Protector Plan

Program Brokerage Corporation

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

Sovereign Group Int’l Inc.

Coverages Business Income, Business Interruption, CGL, Commercial Excess, E&O, EPLI, Liquor Liab, Misc Professional Liab, Professional Liab, Property, Umbrella Carrier Status Non-admitted States MA, NJ, NY

Pet Care Professionals Prime Insurance Company

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

Pizza Delivery All Risks Ltd.

Coverages Hired & Non-owned Auto, Workers’ Comp Carrier Status Admitted States Most States

AmWINS Program Underwriters

Coverages Auto Comm-Standard, BOP, EPLI, Excess Liab, GL, Hired & Non-owned Auto, Property, Umbrella Carrier Status Admitted States All States

Prime Insurance Company

Program Risk Specialists

Worldwide Facilities LLC

Prime Insurance Company

Coverages Bailee/Customer Goods, Boats, Business Interruption, Care/Custody/Control, Equipment, Fire, Fire Legal Liab, Flood, Hail, Hurricane, Inland Marine, Legal Liab, Liability, Marina Operators Legal, Piers & Docks, Wind Carrier Status Admitted, Non-admitted States Most States

Prime Insurance Company

Markel Specialty

Coverages Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Care/Custody/Control, D&O, Damage in Process, Equipment Breakdown, Liability, Pollution Liab Carrier Status Admitted States All States except LA

Prime Insurance Company

Coverages Blanket Waivers, Workers’ Comp Carrier Status Admitted States All States Coverages Auto Comm-Standard, Business Income, CGL, Equipment, Equipment Breakdown, Herbicide & Pesticide, Inland Marine, Legal Liability, Livestock/Animal Mortality, Medical Payments, Property, Umbrella Carrier Status Admitted States All States except AL, AK, HI

Coverages Builders Risk, Earthquake, Fire, Flood, Hail, Hurricane, Piers & Docks, Property, Wind States All States

Coverages Auto Comm-Standard, Crime, GL, Property, Umbrella Carrier Status Admitted States All States except LA

Coverages Auto Comm-Standard, CGL, Environmental Liab, Excess Liab, Pollution Liab, Property, Truck Auto Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Izzo Insurance Services Inc.

Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Builders Risk, Bumbershoot, Cargo, GL, MEL, Property, Umbrella, USL&H, Workers’ Comp Carrier Status Non-admitted States All States

Coverages Hired & Non-owned Auto Carrier Status Non-admitted States All States except WV

Sunderland Insurance Services

Coverages Excess Liab, Hired & Non-owned Auto Carrier Status Non-admitted States All States

Plastic Manufacturers & Distributors AmWINS Group Inc. - 100 Locations Worldwide

Coverages GL, Inland Marine Carrier Status Admitted States All States

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

Physician Assistants

NeitClem Wholesale Insurance Brokerage Inc.

Coverages GL, Medical Malpractice, Medical Professional Carrier Status Non-admitted States All States

Prime Insurance Company

Physicians Continental Brokers Inc.

Coverages Accident & Health, Accidental Death, Auto Comm-Standard Liability, Auto Pers-Standard, Boiler & Machinery, BOP, Business Income, Business Interruption, Crime, Cyber Liab, Disability, Earthquake, Flood, Glass, Homeowners Pkg, Medical Malpractice, Umbrella Carrier Status Admitted States All States

RPS Healthcare

Coverages D&O, EPLI, Medical Malpractice Carrier Status Admitted, Non-admitted States All States

TDC Specialty Underwriters

Coverages Liability, Medical Malpractice, Professional Liab Carrier Status Admitted, Non-admitted States All States except KS, NH, NY

62 | INSURANCE JOURNAL | NATIONAL DECEMBER 4, 2017

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

Prime Insurance Company

Smith, Bell & Thompson Inc.

Coverages Auto Comm-Standard, Crime, Equipment Breakdown, GL, Inland Marine, Property, Stop-Gap, Umbrella Carrier Status Admitted States All States

Podiatric Physicians Prime Insurance Company

TDC Specialty Underwriters

Coverages Liability, Medical Malpractice, Professional Liab Carrier Status Admitted, Non-admitted States All States except KS, NH, NY

Police/Law Enforcement Officers Professional Governmental Underwriters

Coverages Blanket Wrongful Acts, Police Professional Liab Carrier Status Admitted, Non-admitted States All States

INSURANCEJOURNAL.COM

2017 Annual Program Directory, Volume II Production Companies All Risks Ltd.

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

Fox Point Programs

Coverages Cyber Liab, Media Liab Carrier Status Non-admitted States All States

Pennsylvania Lumbermens Mutual Insurance Company

Coverages Auto Comm-Standard, CGL, Commercial Marine, EPLI, Equipment Breakdown, Inland Marine, Liability, Property, Umbrella Carrier Status Admitted States All States

Prime Insurance Company

Professional Employer Organizations (PEO’s) AmWINS Group Inc. - 100 Locations Worldwide Coverages Cyber Liab, EPLI, Workers’ Comp Carrier Status Admitted States All States

Artex Risk Solutions Inc.

Coverages WC - Master Policies/ASO, Workers’ Comp Carrier Status Admitted States All States

Empire Underwriters LLC

Coverages CGL, Workers' Comp, Workers' Comp Plus (Alternative) Carrier Status Admitted States All States except HI, WV

Philadelphia Insurance Companies

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

RoamNet Insurance Marketing Programs

Coverages EPLI, Workers’ Comp States AR, AZ, CA, CO, FL, GA, IL, LA, MD, NC, NJ, NM, NV, NY, OK, PA, TN, TX

U.S. Risk Insurance Group LLC

Coverages CGL, Crime, D&O, EPLI, Fiduciary Liab, Property, Workers’ Comp Carrier Status Non-admitted States All States

World Wide Specialty Programs Inc.

Professionals/Consultants/Contractors Access E&S Insurance Services (VA)

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

Construction Insurance Partners

Coverages Excess Liab, GL, Professional Liab, Umbrella, Workers’ Comp States All States

Indemnity Excess & Surplus Agency Inc.

Coverages CGL, EPLI, Excess Liab, Misc Professional Liab, Property Carrier Status Admitted, Non-admitted States AZ, CA, CO, HI, ID, NV, OR, TX, WA

J.M. Wilson

Coverages CGL, E&O Carrier Status Non-admitted States AL, AR, GA, IA, IL, IN, KS, KY, MI, MO, NC, NE, OH, OK, PA, SC, TN, VA, WI, WV

Norman-Spencer International Inc.

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

Philadelphia Insurance Companies

Coverages BOP, Identity Theft, Misc Professional Liab Carrier Status Admitted States All States except LA

Pioneer Underwriters

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

Prime Insurance Company

INSURANCEJOURNAL.COM

RPS Technology & Cyber

Sun Coast General Insurance Agency

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

tKg Wholesale Brokerage

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

Virtue Risk Partners LLC

Coverages Auto Comm-Standard, CGL, Commercial Excess, E&O, Environmental Liab, Workers’ Comp Carrier Status Non-admitted States All States

Western Surplus Lines Agency Inc.

Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Commercial Excess, Hired & Non-owned Auto, Inland Marine, Misc Professional Liability, Pollution Liability Carrier Status Non-admitted States LA, ND, NM, OK, TX

Property Management Firms

Intercorp Inc.

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

MG Skinner & Associates

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

Patriot Underwriters Inc.

Coverages Excess Liab, Umbrella, Workers’ Comp Carrier Status Admitted States All States except ND, OH, WA, WY

Prime Insurance Company

Professional Ins. Concepts (fka Crump Prof. Concepts)

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

SterlingRisk Programs

Coverages Excess Liab, Umbrella Carrier Status Admitted States All States

US Assure

CID Insurance Programs Inc.

Coverages CGL, Commercial Excess, Cyber Liab, D&O, E&O, EPLI, Excess Liab, Fidelity, GL, Property, Tenant Discrimination, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States AZ, CA, CO, ID, MD, NE, NM, NV, OR, TN, TX, UT, WA

Innovative Risk Solutions

Coverages Dwelling Fire, E&O, Foreclosed Properties, Liability, Property, Rented Property Carrier Status Non-admitted States All States except AK, HI

Intercorp Inc.

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

MG Skinner & Associates

Coverages GL, Rented Property, Renters Insurance, Residential Property Carrier Status Admitted States All States

Walter General Agency (WGA)

Coverages Blanket Addt’l Insureds, Blanket Waivers, Builders Risk, Business Income, Business Interruption, CGL, Excess Liab, GL, Liability, Medical Payments, Property, Umbrella Carrier Status Non-admitted States AR, IL, IN, KS, KY, MO, OK, TN

Public Entities Alliant Specialty Insurance Services Inc.

Coverages Inland Marine, Property, Umbrella Carrier Status Non-admitted States All States except FL

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

American Public Risk

Philadelphia Insurance Companies

Coverages Boiler & Machinery, EPLI, Excess Liab, Garage Liability, GL, Inland Marine, Professional Liab, Property, Public Officials, Umbrella Carrier Status Admitted, Non-admitted States All States except CA, DC, HI, LA

Prime Insurance Company

Southwest Risk

Coverages Builders Risk, CGL, Property, Umbrella Carrier Status Admitted, Non-admitted States All States

Property Managers

Coverages Auto Comm-Standard, Boiler & Machinery, Cargo, Crime, Cyber Liab, D&O, Employee Benefits, EPLI, GL, Inland Marine, Police Professional Liab, Umbrella Carrier Status Admitted States IL, NC, NY, OH, PA, SC

Euclid Public Sector

Grundy Insurance

Coverages Auto Comm-Standard, CGL, D&O, E&O, EPLI, Equipment Breakdown, Excess Liab, Property, Public Officials Carrier Status Admitted States All States except HI

MAXIMUM

Coverages Boiler & Machinery, Builders Risk, Business Income, Business Interruption, Catastrophe, Earthquake, Equipment, Equipment Breakdown, Excess Flood, Flood, GL, Hurricane, Property, Public Officials, Umbrella Carrier Status Admitted, Non-admitted States All States

Midlands Management Corp.

Coverages Excess Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except CA, DC, NY

OneBeacon Government Risks

AFG Partners

Coverages Difference in Conditions, Excess Flood, Property Carrier Status Admitted, Non-admitted States All States

All Risks Ltd.

Coverages Collateral Protection, Flood, GL, Mortgage Impairment Carrier Status Admitted, Non-admitted States All States

Apartment Insurance Consultants LLC

Coverages Equipment Breakdown, Excess Liab, Liability, Property Carrier Status Admitted, Non-admitted States All States except OK

Fox Point Programs

Coverages E&O, EPLI, GL, Professional Liab Carrier Status Non-admitted States All States except CA

Indemnity Excess & Surplus Agency Inc.

Coverages E&O, EPLI, Tenant Discrimination Carrier Status Admitted States All States except DC, LA

Insurmark, Div of Financial & Professional Risk Solutions Coverages Business Income, Dwelling Fire, Flood, Foreclosed Properties, Liability Carrier Status Admitted, Non-admitted States All States

Coverages Auto Comm-Standard, CGL, Crime, EPLI, Equipment Breakdown, Excess Liab, Fire, Inland Marine, Police Professional Liab, Property, Public Officials Carrier Status Admitted States Most States

Philadelphia Insurance Companies

Coverages Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Boiler & Machinery, Business Income & Interruption, CGL, Crime, Employee Benefits, Equipment Breakdown, Fire Legal Liab, GL, Hired & Nonowned Auto, Identity Theft, Inland Marine, Property, Real & Business Personal Prop, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA

Professional Governmental Underwriters

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

RPS Technology & Cyber

Coverages Cyber Liab, Legal Expense Ins, Media Liab Carrier Status Admitted, Non-admitted States All States

The McGowan Companies

Coverages Commercial Excess, Umbrella Carrier Status Admitted States All States

DECEMBER 4, 2017 INSURANCE JOURNAL | NATIONAL | 63

2017 Annual Program Directory, Volume II Publishers Professional Ins. Concepts (fka Crump Prof. Concepts)

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

Real Estate Agents & Brokers Arrowhead General Insurance Agency Inc.

Coverages E&O, Escrow E&O Carrier Status Non-admitted States CA

Construction Insurance Partners

Coverages Excess Liab, GL, Professional Liab, Umbrella, Workers’ Comp States All States

Fox Point Programs

Coverages E&O, EPLI, GL, Professional Liab Carrier Status Non-admitted States All States except CA

Herbert H. Landy Insurance

Coverages BOP, Crime, Cyber Liab, E&O, Professional Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except AK, LA

Insurance Center Special Risks Ltd.

Coverages CGL, E&O Carrier Status Admitted, Nonadmitted States CT, MA, ME, NH, NY, PA, RI, VT

Intercorp Inc.

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

Lancer Indemnity Company

Coverages GL, Property Carrier Status Admitted States CT, NJ, NY, PA

Logic Underwriters Inc.

Coverages BOP, E&O Carrier Status Admitted, Non-admitted States TX

Norman-Spencer Agency Inc.

Coverages E&O Carrier Status Admitted States All States

Personal Safeguards Group LLC

Coverages Product Extended Warranty, Service Contracts, Warranties, Extended Carrier Status Admitted States All States except HI, NH, VT

Prime Insurance Company

Professional Ins. Concepts (fka Crump Prof. Concepts)

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

RealCare Insurance

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

RealProEandO

Coverages Cyber Liab, E&O Carrier Status Admitted States All States except AK, HI, LA, WV

RPS - Executive Lines Division

Coverages Crime, Cyber Liab, D&O, E&O, EPLI, Kidnap/ Ransom Carrier Status Non-admitted States All States

Sun Coast General Insurance Agency

Coverages BOP, CGL, Cyber Liab, E&O, EPLI, GL, Workers’ Comp Carrier Status Non-admitted States AZ, CA, CO, NV, OR, UT, WA

Victor O. Schinnerer & Company

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

Real Estate Appraisers Herbert H. Landy Insurance

Target Professional Programs

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

Victor O. Schinnerer & Company

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

Real Estate Developers/Homebuilders Appalachian Underwriters Inc.

Coverages Addt’l Living Expense, Apartment House Package, BOP, Builders Risk, Business Income, Business Interruption, CGL, Commercial Excess, GL, High Valued Homes, Liability, Loss of Use, Rented Property, Residential Property Carrier Status Non-admitted States All States

Burns & Wilcox - All Offices

Coverages CGL, Environmental Liab, Excess Liab, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States except AK, DC, HI

Construction Insurance Partners

Coverages Excess Liab, GL, Professional Liab, Workers’ Comp States All States

Midlands Management Corp.

Coverages Builders Risk, Contractors Equip Carrier Status Non-admitted States All States except CA, DC, NY

Prime Insurance Company

Quaker Special Risk (Florida)

AmWINS Group Inc. - 100 Locations Worldwide

Coverages Auto Comm-Standard Liability & Physical Damage, Environmental Liab, GL, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

AmWINS Program Underwriters

Coverages Auto Comm-Standard, Crime, Environmental Liab, Equipment Breakdown, GL, Inland Marine, Pollution, Professional Liab, Property, Umbrella Carrier Status Admitted States All States

Apollo General Ins. Agency Inc.

Coverages Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, CGL, Commercial Excess, Contractors Equip, Contractors License Bonds, Environmental Liab, Equipment, Fidelity Bonds, Inland Marine, Performance & Payment Bonds, Pollution, Pollution Liab, Tools & Equip, Transportation Pollution Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except AK, HI

Berkley Specialty Underwriting Mgrs - Environmental Div Coverages Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Blanket Addt’l Insureds, Blanket Waivers, CGL, Commercial Excess, Employee Benefits, Environmental Liab, Pollution, Pollution Liab, Umbrella, Uninsured Motorists, Uninsured Personal Injury, USL&H, Workers’ Comp Carrier Status Admitted, Nonadmitted States All States

Midwestern Insurance Alliance LLC

Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States AL, AR, AZ, CA, CO, GA, IA, IL, IN, KS, KY, MO, NC, NE, NM, NV, PA, SC, TN, TX, UT, VA

Registered Investment Advisors

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

CalSurance Assoc, Div. of Brown & Brown Program Ins.

Quaker Special Risk (Mass.)

Coverages Misc Professional Liab, Professional Liab States All States

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

Quaker Special Risk (New Jersey & New York)

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

Southwest Risk

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

US Assure

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

CITA Insurance Svcs, Div. of Brown & Brown Program Ins.

Fox Point Programs

Coverages E&O, Professional Liab States All States

Pioneer Underwriters

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

ProSurance Group Inc.

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

Residential Care Centers

5Star Paratransit Program

Recording Studios

AFC Insurance

All Risks Ltd.

Coverages Accidental Death, Contingent Coverages, Event Cancellation, Excess Liab, GL, Hired & Non-owned Auto, Inland Marine, Liquor Liab, Medical Carrier Status Non-admitted States All States

Allen Financial Ins. Group / The Equestrian Group

Coverages Accident & Health, Auto Comm-Standard, Care/ Custody/Control, CGL, Crime, Equipment, Excess Liab, GL, Participant Accident, Property Carrier Status Admitted States All States except DC

Prime Insurance Company

Coverages Auto Comm-Standard Liability & Physical Damage, EPLI, Excess Liab, GL, Medical Payments, Physical Damage, Umbrella, Uninsured Motorists Carrier Status Admitted States Most States Coverages Abuse & Molestation, Accident & Health, CGL, COC, Crime, D&O, Developmental Disabilities, Inland Marine, Mental Health Care, Misc Professional Liab, Professional Liab, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except AK, FL, HI

Gateway Specialty Insurance

Coverages Abuse & Molestation, Accident & Health, Auto Comm-Standard, Blanket Addt’l Insureds, CGL, Crime, Cyber Liab, D&O, Employee Benefits, EPLI, Equipment Breakdown, Foreign GL, Hired & Non-owned Auto, Professional Liab, Property Carrier Status Admitted, Non-admitted States All States

Irwin Siegel Agency Inc.

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

Records Storage & Info Mgmt

Patriot Underwriters Inc.

Prime Insurance Company

Brightstone / A Risk Strategies Company

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

Intercorp Inc.

RealCare Insurance

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

RealProEandO

Coverages Cyber Liab, E&O Carrier Status Admitted States All States except AK, LA, WV

Coverages Addt’l Expense, Auto Comm-Standard, Bailee/ Customer Goods, BOP, Business Income, Cargo, CGL, Crime, Cyber Liab, D&O, E&O, EPLI, Fidelity Bonds, Hired & Nonowned Auto, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States

Recycling Centers All Risks Ltd.

Coverages Excess Liab, GL, Professional Liab, Workers’ Comp Carrier Status Admitted States All States except ND, OH, WA, WY

64 | INSURANCE JOURNAL | NATIONAL DECEMBER 4, 2017

Coverages Abuse & Molestation, Auto Comm-Standard, Boiler & Machinery, Business Income, Crime, D&O, Excess Liab, GL, Inland Marine, Professional Liab, Property Carrier Status Admitted States All States Coverages Excess Liab, Umbrella, Workers’ Comp Carrier Status Admitted States All States except ND, OH, WA, WY

Prime Insurance Company

RPS PNP

Coverages Abuse & Molestation, Auto Comm-Standard, Business Income, CGL, D&O, Employee Benefits, EPLI, Equipment Breakdown, Excess Liab, Hired & Non-owned Auto, Professional Liab, Property Carrier Status Admitted, Non-admitted States All States

INSURANCEJOURNAL.COM

2017 Annual Program Directory, Volume II Residential Subcontractors Builders & Tradesmen’s Insurance Services Inc.

Prime Insurance Company

Quaker Special Risk (Florida)

Coverages CGL, Commercial Excess, GL, Liability, Umbrella Carrier Status Non-admitted States Most States

Quaker Special Risk (Mass.)

Coverages CGL, Commercial Excess, GL, Liability, Umbrella Carrier Status Non-admitted States Most States

Quaker Special Risk (New Jersey)

Coverages CGL, Commercial Excess, GL, Liability, Umbrella Carrier Status Non-admitted States Most States

Quaker Special Risk (New York)

Coverages CGL, Commercial Excess, GL, Liability, Umbrella Carrier Status Non-admitted States Most States

Southwest Risk

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

US Assure

Coverages Builders Risk, COC, Contractors Equip, Installation Floaters, Theft Carrier Status Admitted States All States

Resorts AmWINS Program Underwriters

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

Aspera Insurance Services Inc.

Coverages CGL, Excess Liab Carrier Status Non-admitted States CA, FL

Burns & Wilcox - All Offices

Coverages Auto Comm-Standard, CGL, Crime, D&O, EPLI, Equipment Breakdown, Excess Liab, GL, Inland Marine, Pool & Spa Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States except AK, DC, HI

CITA Insurance Svcs, Div. of Brown & Brown Program Ins. Coverages Auto Comm-Standard, CGL, Commercial Excess, Crime, Garage Keepers Legal Liab, Liquor Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States except DC

MexiPass International Insurance Services LLC Coverages Int’l Coverage - Commercial, Int’l Coverage Personal Carrier Status Admitted States All States

Philadelphia Insurance Companies

Coverages Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Boiler & Machinery, Business Income & Interruption, Care/Custody/Control, CGL, Crime, D&O, Earthquake, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, Flood, Garage Keepers Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Liquor Liab, Property, Real & Business Personal Prop, Sexual Misconduct, Tee-to-Green, Umbrella, Uninsured Motorists Carrier Status Admitted States All except LA

Prime Insurance Company

Professional Liability Ins. Svcs - Underwriting Facilities Coverages Business Interruption, Food Borne Illness Carrier Status Non-admitted States All States

Restaurants 5Star D&O Program

Coverages D&O, EPLI, Fiduciary Liab Carrier Status Admitted States All States

A.I.I. Insurance Brokerage of Mass. Inc.

Coverages BOP, Business Income, CGL, Equipment Breakdown, Liquor Liab, Real & Business Personal Prop, Spoilage, Umbrella Carrier Status Admitted, Non-admitted States CT, MA, NH, RI

Abram Interstate Insurance Services Inc.

Coverages CGL, Equipment, Liquor Liab, Property Carrier Status Admitted, Non-admitted States CA

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Advanced E&S Group - Midwest Region

Coverages Assault & Battery, Boiler & Machinery, Business Income, Business Interruption, Care/Custody/Control, CGL, Crime, Equipment Breakdown, Fine Arts, Fire, Food Spoilage, GL, Glass, Hired & Non-owned Auto, Inland Marine, Legal Liab, Liability, Liquor Liab, Personal Property, Products Liab, Property, Real & Business Personal Prop, Spoilage, Theft, Umbrella Carrier Status Admitted, Non-admitted States CT, FL, IA, IL, IN, KS, KY, MI, MN, MO, NE, NJ, NY, OH, PA, VA, WI

Advanced E&S Group - Southeast Region

Coverages Assault & Battery, Boiler & Machinery, Business Interruption, CGL, Crime, Flood, Food Spoilage, Garage Keepers Legal Liab, Glass, Liquor Liab, Property, Spoilage, Theft, Umbrella Carrier Status Non-admitted States CA, CO, FL, GA, IL, LA, NC, SC, TX

AFC Insurance

Coverages Auto Comm-Standard, BOP, Employee Benefits, EPLI, Hired & Non-owned Auto, Workers’ Comp Carrier Status Admitted States All States except FL

AFG Partners

Coverages GL, Property Carrier Status Non-admitted States CA, CT, FL, NY

Agency Intermediaries Inc.

Coverages BOP, Business Income, CGL, Equipment Breakdown, Liquor Liab, Real & Business Personal Prop, Spoilage, Umbrella Carrier Status Admitted, Non-admitted States CT, MA, ME, NH, RI

Alamo Surety Bonds

Coverages Fidelity Bonds, Surety Bonds Carrier Status Admitted States AL, AZ, CO, FL, GA, IN, KS, LA, MO, MS, NC, NV, TX

All Risks Ltd.

Coverages Excess Liab, GL, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States

Appalachian Underwriters Inc.

Coverages Business Income, Business Interruption, CGL, Equipment, Liability, Liquor Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Appleby & Sterling

Coverages Boiler & Machinery, GL, Property Carrier Status Admitted States AZ, CA, NV

Applied Underwriters Inc.

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

Aspera Insurance Services Inc.

Coverages CGL, Excess Liab Carrier Status Non-admitted States CA, FL

Atlas General Insurance Services

Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States MO, MS, NY, TX

Bass Underwriters

Coverages Excess Liab, GL, Liquor Liab, Property Carrier Status Non-admitted States AL, AR, AZ, CA, CT, FL, GA, LA, MA, ME, MS, NC, NJ, NV, NY, OH, OK, OR, PA, RI, SC, TN, TX, VA

Brecht & Associates

Coverages Auto Comm-Standard Liability & Physical Damage, Business Interruption, CGL, Commercial Excess, GL, Liquor Liab, Property, Umbrella Carrier Status Non-admitted States TX

Burns & Wilcox - All Offices

Coverages CGL, Excess Liab, Inland Marine, Property, Umbrella Carrier Status Admitted, Non-admitted States All States except AK, DC, HI

Continental Brokers Inc.

Coverages Accident & Health, Accidental Death, Assault & Battery, Auto Comm-Standard, Auto Comm-Standard Liability, Auto Pers-Standard, Boiler & Machinery, BOP, Builders Risk, Business Income, Business Interruption, Commercial Marine, Container Refrigeration Break, Crime, EPLI, Fire Legal Liab, Flood, Food Borne Illness, Food Spoilage, Glass, Homeowners Pkg, Inland Marine, Property Carrier Status Admitted States All States

Distinguished Programs

Coverages Assault & Battery, Liquor Liab Carrier Status Admitted, Non-admitted States AL, CO, CT, FL, IA, IL, IN, KS, LA, MD, MI, MN, MT, NC, NH, NV, NY, OH, OR, TN, VA, WI

Griffin General Agency Inc.

Coverages CGL, Liquor Liab, Property Carrier Status Non-admitted States TX

Innovative Coverage Concepts

Coverages Auto Comm-Standard, Business Income, CGL, Crime, Employee Benefits, Equipment Breakdown, Fine Arts, Food Spoilage, GKLL, Liquor Liab, Property, Umbrella Carrier Status Admitted States All States except HI, VT

Insurance Center Special Risks Ltd.

Coverages Assault & Battery, BOP, Business Income, GL, Liquor Liab, Workers’ Comp Carrier Status Admitted, Nonadmitted States CT, MA, ME, NH, NY, PA, RI, VT

International Excess Companies

Coverages Assault & Battery, Boiler & Machinery, BOP, Builders Risk, Business Income, Business Interruption, CGL, Commercial Excess, Completed Operations Liab, Crime, Cyber Liab, EPLI, Equipment Breakdown, Excess Liab, Fire, Food Borne Illness, Food Spoilage, GL, Liability, Personal Property, Products Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Irving Weber Associates Inc. (IWA)

Coverages Auto Comm-Standard, Boiler & Machinery, BOP, Business Income, Business Interruption, Crime, Employee Benefits, EPLI, Equipment Breakdown, Fire, Food Borne Illness, Food Spoilage, GL, Identity Theft, Liability, Liquor Liab, Mechanical Breakdown, Property, Real & Business Personal Prop, Spoilage, Theft, Umbrella, Workers’ Comp Carrier Status Admitted States Most States

Izzo Insurance Services Inc.

Coverages Blanket Waivers, Workers’ Comp Carrier Status Admitted States All States

Lancer Indemnity Company

Coverages GL, Property Carrier Status Admitted States CT, NJ, NY, PA

M.J. Hall & Company Inc.

Coverages Business Income, CGL, Crime, Employee Benefits, EPLI, Equipment Breakdown, Excess Liab, GKLL, Liquor Liab, Property Carrier Status Admitted, Nonadmitted States AK, AZ, CA, HI, NV

M.J. Kelly Company

Coverages Business Income, CGL, Commercial Excess, EPLI, Equipment Breakdown, Food Spoilage, GL, Liability, Liquor Liab, Property, Umbrella States AR, CO, FL, IA, ID, IL, KS, MO, MS, MT, NM, OK, TN, TX, UT

MAXIMUM

Coverages Boiler & Machinery, Business Income, Business Interruption, Catastrophe, Earthquake, Equipment, Equipment Breakdown, Excess Flood, Flood, GL, Property, Umbrella Carrier Status Admitted, Non-admitted S tates All States except NE

McLeckie Insurance Group

Coverages Business Income, CGL, Crime, EPLI, Food Borne Illness, Liquor Liab, Property Carrier Status Non-admitted States All States

National Insurance Underwriters

Coverages Business Income, Crime, Employee Benefits, EPLI, Equipment, Equipment Breakdown, Fire Legal Liab, Food Spoilage, GL, Glass, Hired & Non-owned Auto, Inland Marine, Liquor Liab, Personal Property, Umbrella Carrier Status Admitted, Non-admitted States AL, AR, AZ, CO, FL, GA, IL, LA, MD, MO, MS, NC, NJ, NV, OH, OK, PA, SC, TN, TX, VA

Number One Insurance Agency

Coverages Excess Liab, Flood, GL, Liquor Liab, Property Carrier Status Admitted States MA

Prime Insurance Company

Professional Liability Ins. Svcs - Underwriting Facilities Coverages Business Interruption, EPLI, Food Borne Illness Carrier Status Non-admitted States All States

Coverages CGL, GL Carrier Status Admitted States All States

Empire Underwriters LLC

Founders Insurance Company

Promont Advisors LLC

Coverages Assault & Battery, Blanket Addt'l Insureds, Blanket Waivers, Boiler & Machinery, BOP, Business Interruption, CGL, Commercial Excess, D&O, Employee Benefits, Environmental Liab, EPLI, Equipment Breakdown, Fine Arts, Fire, Food Spoilage, Hired & Non-owned Auto, Identity Theft, Inland Marine, Liquor Liab, Personal Property, Products Liab, Property, Umbrella, Wind, Workers' Comp Carrier Status Admitted, Non-admitted States Most States

Coverages CGL, Liquor Liab, Property Carrier Status Non-admitted States All States

RISCO Insurance Brokerage Inc.

Coverages CGL, Crime, Employee Benefits, Liquor Liab, Mechanical Breakdown, Property Carrier Status Non-admitted States CT, MA, ME, NH, NY, RI

DECEMBER 4, 2017 INSURANCE JOURNAL | NATIONAL | 65

2017 Annual Program Directory, Volume II RoamNet Insurance Marketing Programs

Coverages BOP, EPLI, Fire Legal Liab, GL, Workers’ Comp Carrier Status Admitted States AZ, CA, CO, IL, NV, PA, TX

Roush Insurance Services Inc.

Coverages Blanket Addt’l Insureds, Boiler & Machinery, Business Income, Business Interruption, CGL, Commercial Excess, Crime, D&O, Equipment Breakdown, Excess Liab, Fire, Fire Legal Liab, Food Spoilage, GL, Glass, Inland Marine, Liability, Liquor Liab, Medical Payments, Products Liab, Property, Real & Business Personal Property, Spoilage, Theft, Trade Shows & Festivals, Umbrella Carrier Status Admitted, Non-admitted States IL, IN, OH

Specialty Insurance

Lancer Indemnity Company

Coverages GL, Property Carrier Status Admitted States CT, NJ, NY, PA

Monarch E&S Insurance Services

Coverages CGL, Fire, Fire Legal Liab, GL, Liability, Liquor Liab, Medical Payments, Products Liab, Property Carrier Status Non-admitted States CA

Patriot Underwriters Inc.

Coverages Excess Liab, GL, Liquor Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except ND, OH, WA, WY

Sun Coast General Insurance Agency

Roush Insurance Services Inc.

Tejas American General Agency

Coverages GL, Liquor Liab, Property Carrier Status Admitted, Non-admitted States TX

The McGowan Companies

Coverages Commercial Excess, Umbrella Carrier Status Admitted States All States

tKg Wholesale Brokerage

Coverages CGL, Commercial Excess, Crime, Liquor Liab, Property, Workers’ Comp Carrier Status Non-admitted States All States

UCA General Insurance Services

Coverages Business Income, CGL, Cyber Liab, EPLI, Equipment Breakdown, Fire Legal Liab, Hired & Non-owned Auto, Liquor Liab, Medical Payments, Property, Umbrella Carrier Status Admitted States AZ, CA, ID, IL, NV, OR, UT, WA, WI

Unifax Insurance Systems Inc.

Coverages GL, Liquor Liab, Property Carrier Status Admitted States CA

Walter General Agency (WGA)

Coverages Assault & Battery, Blanket Addt’l Insureds, Blanket Waivers, Boiler & Machinery, Builders Risk, Business Income, Business Interruption, CGL, Commercial Excess, Completed Operations Liab, Difference in Conditions, Employee Benefits, EPLI, Equipment Breakdown, Excess Liab, Fiduciary Liab, Fire, Food Spoilage, GL, Inland Marine, Liability, Liquor Liab, Medical Payments, Products Liab, Property, Umbrella Carrier Status Non-admitted States AR, IA, ID, IL, IN, KS, KY, MO, OK, TN

Retail Stores 5Star Business Auto Program (Misc. classes)

Coverages Auto Comm-Standard Liability & Physical Damage Carrier Status Admitted States All States except CA, LA, MA

5Star D&O Program

Coverages D&O, EPLI, Fiduciary Liab Carrier Status Admitted States All States

Advanced E&S Group - Midwest Region

Agency Intermediaries Inc.

Coverages Business Income, CGL, Excess Liab, Real & Business Personal Prop, Umbrella Carrier Status Admitted, Non-admitted States CT, MA, ME, NH, RI

Aspera Insurance Services Inc.

Coverages CGL, Excess Liab Carrier Status Non-admitted States CA, FL

Atlas General Insurance Services

Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States All States except MS, MO, NY, TX

Griffin General Agency Inc.

Coverages CGL, Property Carrier Status Non-admitted States TX

Prime Insurance Company

Ascinsure Specialty Risk

Rockwood Programs Inc.

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

Coverages CGL, Property Carrier Status Admitted States All States except LA

Prime Insurance Company

SterlingRisk Programs

TAPCO Underwriters Inc.

Philadelphia Insurance Companies

Coverages Product Extended Warranty, Service Contracts, Warranties, Extended Carrier Status Admitted States All States except HI, NH, VT

Coverages BOP, GL, Liquor Liab, Property Carrier Status Admitted, Non-admitted States CA

Coverages GL, Liability, Mobile Home Ins, Property Carrier Status Admitted, Non-admitted States AR, AZ, CA, CO, ID, IL, NM, NV, OR, UT, WA

Personal Safeguards Group LLC

Coverages Assault & Battery, Boiler & Machinery, Business Income, Business Interruption, Care/Custody/Control, CGL, Completed Operations Liab, Crime, Employee Benefits, Equipment Breakdown, Fire, Fire Legal Liab, Food Spoilage, Garage Liability, GKLL, GL, Glass, Hired & Non-owned Auto, Liability, Liquor Liab, Medical Payments, Products Liab, Property, Spoilage, Theft, Umbrella Carrier Status Admitted States CA, DE, FL, GA, IL, MA, MD, MI, MO, NJ, NY, OH, PA, RI, TN Coverages Excess Liab, Umbrella Carrier Status Admitted States All States

RV Parks King Insurance Support Systems

Coverages Abuse & Molestation, Assault & Battery, Commercial Excess, Difference in Conditions, GL, Personal Liab, Professional Liab, Property, Rented Property Carrier Status Non-admitted States All States Coverages Cyber Liab, EPLI Carrier Status Admitted, Non-admitted States All States except AK, WA Coverages Auto Comm-Nonstandard, Boiler & Machinery, Business Income, Business Interruption, CGL, Commercial Excess, Crime, D&O, Excess Liab, Fine Arts, Fire, Fire Legal Liab, Food Spoilage, GL, Glass, Hired & Non-owned Auto, Inland Marine, Liability, Liquor Liab, Mechanical Breakdown, Medical Payments, Products Liab, Property, Theft, Umbrella Carrier Status Admitted, Non-admitted States IL, IN, OH

SterlingRisk Programs

Coverages Excess Liab, Umbrella States All States

tKg Wholesale Brokerage

Coverages CGL, Commercial Excess, Excess Liab, Property, Umbrella, Workers’ Comp Carrier Status Non-admitted States All States

UCA General Insurance Services

Unifax Insurance Systems Inc.

Coverages GL, Property Carrier Status Admitted States CA

Roller Skating Rinks Prime Insurance Company

Scaffold Erectors

Coverages Auto Comm-Standard, Crime, GL, Inland Marine, Liability, Property, Umbrella, Workers’ Comp States All States

Empire Underwriters LLC

Coverages Blanket Addt'l Insureds, Blanket Waivers, Builders Risk, Business Income, Care/Custody/Control, Cargo, CGL, Commercial Excess, Contractors Equip, Environmental Liab, EPLI, Fire, Hired & Non-owned Auto, OCP, Pollution Liab, Tools & Equip, USL&H, Workers' Comp Carrier Status Admitted, Non-admitted States Most States

Prime Insurance Company

School Busing Firms 5Star Contract School Bus Program

Coverages Auto Comm-Standard Liability, EPLI, GL, Hired & Non-owned Auto, Physical Damage, Umbrella, Workers’ Comp Carrier Status Admitted States All States

Gerald J. Wilkoff Inc.

Coverages Contractors License Bonds, Crime, Fidelity, Fidelity Bonds, Performance & Payment Bonds Carrier Status Admitted States All States

Prime Insurance Company

RLI Transportation

Coverages Auto Comm-Standard, Liability Carrier Status Admitted States All States except AK, DC, HI, LA, MA

RV Dealerships

Schools-Public/Private

All Risks Ltd.

AAU, A division of USG Insurance Services

DMI Insurance Services

Coverages Business Income, Crime, Dealers Open Lot, Employee Benefits, Equipment Breakdown, Fire, Fire Legal Liab, Garage Keepers Legal Liab, Garage Liability, Inland Marine, Non-Trucking Auto Liab, Physical Damage, Products Liab, Property, Real & Business Personal Prop, Tools & Equip, Uninsured Motorists, Uninsured Personal Injury Carrier Status Admitted States Most States

MAXIMUM

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

Prime Insurance Company

Williams & Stazzone Insurance Agency Inc.

Coverages Crime, Dealers Open Lot, EPLI, Garage Keepers Legal Liab, Garage Liability, Property, Umbrella Carrier Status Admitted States All States

66 | INSURANCE JOURNAL | NATIONAL DECEMBER 4, 2017

Coverages Builders Risk, Crime, Cyber Liab, D&O, Damage in Process, EPLI, Equipment Breakdown, Flood, Hired & Non-owned Auto, Inland Marine, Medical Payments, Property, Sexual Misconduct, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

AMIS/Alliance Marketing & Insurance Services LLC Coverages Auto Comm-Standard Liability & Physical Damage, BOP, Liability, Property, Workers’ Comp States All States

Charity First Insurance Services Inc.

Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, Boiler & Machinery, Business Income, Crime, EPLI, Equipment Breakdown, Inland Marine, Non-Profit D&O, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States

Great American Ins. Group, Specialty Human Services

Greene & Associates

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

Markel Specialty

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

INSURANCEJOURNAL.COM

Nonprofits Insurance Alliance Group

Philadelphia Insurance Companies

Coverages Abuse & Molestation, Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Boiler & Machinery, CGL, Crime, D&O, Earthquake, Educator Legal Liab, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, Flood, GL, Hired & Nonowned Auto, Identity Theft, Property, Real & Business Personal Prop, Sexual Misconduct, Umbrella Carrier Status Admitted States All States except LA

Security Guard Firms

2017 Annual Program Directory, Volume II Service Stations

All Risks Ltd.

AMIS/Alliance Marketing & Insurance Services LLC

Lancer Insurance Company

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

Brownyard Group

Prime Insurance Company

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

Professional Governmental Underwriters

Coverages Assault & Battery, Blanket Addt’l Insureds, CGL, E&O, Excess Liab, Fidelity Bonds, Lost Key, Umbrella, Workers’ Comp Carrier Status Non-admitted States All States except AK

The McGowan Companies

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

Western Security Surplus Insurance Brokers Inc.

Coverages Abuse & Molestation, Business Income, CGL, Fire Legal Liab, GL, Liability, Medical Payments, New Occurrence Carrier Status Admitted, Non-admitted States CA, TX

Brownyard Programs Ltd.

Burns & Wilcox - All Offices

Coverages CGL, Excess Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States except AK, DC, HI Coverages General Liability, Umbrella Carrier Status Admitted States CA

NeitClem Wholesale Insurance Brokerage Inc.

AmWINS Group Inc. - 100 Locations Worldwide

Philadelphia Insurance Companies

Coverages Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, CGL, Environmental Liab, Equipment, Excess Liab, Fidelity Bonds, Inland Marine, Performance & Payment Bonds, Pollution, Pollution Liab, Tools & Equip, Transportation Pollution Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except AK, HI

Berkley Specialty Underwriting Mgrs - Environmental Div Coverages Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Blanket Addt’l Insureds, Blanket Waivers, CGL, Commercial Excess, E&O, Employee Benefits, Environmental Liab, Excess Liab, GL, Int’l Coverage - Commercial, Pollution, Pollution Liab, Professional Liab, Railroad Protective Liab, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

G.J. Sullivan Company (Orange)

Coverages Auto Comm-Standard Liability & Physical Damage, Business Income, Business Interruption, CGL, Crime, Employee Benefits, EPLI, Equipment, Fidelity, Fire, Fire Legal Liab, Garage Keepers Legal Liab, Garage Liability, GL, Hired & Non-owned Auto, Inland Marine, Motor Truck Cargo, On-Hook Cargo, Physical Damage, Property, Real & Business Personal Prop, Theft, Tools & Equip, Umbrella, Uninsured Motorists, Workers’ Comp Carrier Status Admitted States All States except AK, DC, HI, MA

Prime Insurance Company

Securities Brokers/Dealers CalSurance Assoc, Div. of Brown & Brown Program Ins. Coverages E&O, Professional Liab Carrier Status Non-admitted States All States

Pioneer Underwriters

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

Prime Insurance Company

INSURANCEJOURNAL.COM

Coverages Assault & Battery, Equipment, GL, Liability, Professional Liab Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX Coverages Abuse & Molestation, Assault & Battery, Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, D&O, E&O, Personal Liab, Professional Liab Carrier Status Admitted States All States except LA

Prime Insurance Company

The Mechanic Group Inc.

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

Self-Storage Facilities

All Risks Ltd.

Coverages Business Income, CGL, Cyber Liab, Excess Liab, GL, Pollution Liab, Property Carrier Status Non-admitted States All States

Citadel Insurance Services, LC

Coverages Auto Comm-Standard, Business Income, CGL, Cyber Liab, Employee Benefits, EPLI, Fine Arts, Identity Theft, Pollution Liab Carrier Status Non-admitted States All States

GMI Insurance Services

Coverages Auto Comm-Standard, Auto Comm-Standard Liability Carrier Status Admitted States All States

MiniCo Insurance Agency LLC

Coverages Boiler & Machinery, BOP, Business Income, CGL, COC, Crime, Earthquake, Employee Benefits, EPLI, Extended Business, Fire, GL, Hired & Non-owned Auto, Legal Liab, Liability, Medical Payments, Personal Liab, Pollution, Products Liab, Property, Theft, Umbrella, Wind Carrier Status Admitted States All States

Safehold Special Risk

Coverages Boiler & Machinery, BOP, Builders Risk, Business Income, Catastrophe, CGL, D&O, E&O, Environmental Liab, EPLI, Equipment, Equipment Breakdown, GL, Hail, Hired & Non-owned Auto, Liability, Mechanical Breakdown, Misc Professional Liab, Pollution, Pollution Liab, Property, Tools & Equip, Umbrella, Workers’ Comp Carrier Status Admitted States All States

Universal Insurance Programs

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

RoamNet Insurance Marketing Programs

Coverages BOP, EPLI, Fire Legal Liab, Garage Keepers Legal Liab, GL, Glass, Tools & Equip, Workers’ Comp Carrier Status Admitted States AZ, CA, CO, ID, IL, NV, OR, PA, TX, UT

Ship Repairers/Marine Artisan Contractor

All Risks Ltd.

Izzo Insurance Services Inc.

Scrap Dealers

Apollo General Ins. Agency Inc.

Prime Insurance Company

Coverages Equipment, Liability, Protection & Indemnity (P&I), Ship Repairers Legal Carrier Status Admitted States CT, MA, ME

Gray-Stone & Co.

All Risks Ltd.

Coverages Auto Comm-Standard, Environmental Liab, GL, Pollution, Pollution Liab, Umbrella Carrier Status Admitted, Non-admitted States All States except HI, LA, MA

Coverages Garage Keepers Legal Liab, Garage Liability, GKLL Carrier Status Admitted, Non-admitted States CT, NJ, NY

Agency Intermediaries Inc.

Coverages Auto Comm-Standard, Blanket Addt’l Insureds, Crime, E&O, EPLI, Excess Liab, Fidelity Bonds, GL, Performance & Payment Bonds, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Coverages Excess Liab, GL, Professional Liab, Workers’ Comp Carrier Status Admitted States All States except ND, OH, WA, WY

Coverages Business Income, Employee Benefits, Garage Keepers Legal Liab, GL, Hired & Non-owned Auto, Liquor Liab, Medical Payments, Personal Liab, Property, Workers’ Comp Carrier Status Non-admitted States All States except HI

Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Builders Risk, Bumbershoot, Cargo, GL, MEL, Property, Umbrella, USL&H, Workers’ Comp Carrier Status Non-admitted States All States

LIG Marine Managers

Coverages Care/Custody/Control, CGL, Commercial Marine, Completed Operations Liab, Equipment, Excess Liab, Hull, Legal Liab, Products Liab, Protection & Indemnity (P&I), Ship Repairers Legal, Tools & Equip, Umbrella, USL&H, Workers’ Comp Carrier Status Admitted States All States

Maritime Program Group

Coverages GL, Marina Operators Legal, Property, Protection & Indemnity (P&I), Ship Repairers Legal Carrier Status Admitted States All States

Safehold Special Risk

Coverages Contractors Equip, Environmental Liab, Equipment, Equipment Breakdown, GL, Inland Marine, Physical Damage, Pollution Liab, Property, Protection & Indemnity (P&I), Umbrella, USL&H, Workers’ Comp Carrier Status Admitted States All States

The American Equity Underwriters Inc.

The Hanover Insurance Group

Coverages GL, Marina Operators Legal, Protection & Indemnity (P&I) Carrier Status Admitted States All States

Ship Yards All Risks Ltd.

Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Builders Risk, Bumbershoot, Cargo, GL, MEL, Property, Umbrella, USL&H, Workers’ Comp Carrier Status Non-admitted States All States

LIG Marine Managers

Coverages CGL, Completed Operations Liab, Equipment, Hail, Products Liab, Protection & Indemnity (P&I), Ship Repairers Legal, Umbrella, USL&H, Workers’ Comp Carrier Status Admitted States All States

Safehold Special Risk

Coverages CGL, Equipment, Equipment Breakdown, GL, Hired & Non-owned Auto, Inland Marine, Marina Operators Legal, Physical Damage, Property, Protection & Indemnity (P&I), Ship Repairers Legal, Umbrella, Workers’ Comp Carrier Status Admitted States All States

The American Equity Underwriters Inc.

Coverages Blanket Addt’l Insureds, Blanket Waivers, Care/Custody/Control, Commercial Marine, Contractors Equip, Excess Liab, Federal LHWCA, Hull, Pollution Liab, Protection & Indemnity (P&I), Ship Repairers Legal, Umbrella, USL&H Carrier Status Admitted States All States

DECEMBER 4, 2017 INSURANCE JOURNAL | NATIONAL | 67

2017 Annual Program Directory, Volume II Shooting Ranges Align General Insurance Agency LLC

Coverages Firearms Liability, GL, Professional Liab, Property States All States except AK, HI

IT Risk Managers Inc.

Coverages CGL, Employee Benefits, Firearms Liability, Personal Property, Products Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except AK, HI

Joseph Chiarello & Co.; Firearms Business Ins. Coverages CGL, Crime, Equipment Breakdown, Excess Liab, Firearms Liability, Liquor Liab, Medical Payments, Property, Umbrella Carrier Status Admitted States All States

Patriot Underwriters Inc.

Coverages GL, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except ND, OH, WA, WY

Philadelphia Insurance Companies

Prime Insurance Company

Shopping Centers Advanced E&S Group - Midwest Region

Advanced E&S Group - Southeast Region

Coverages Cyber Liab, Equipment Breakdown, Flood, Liability, Property, Umbrella Carrier Status Admitted, Non-admitted States All States

AFG Partners

Coverages Commercial Excess, Property Carrier Status Admitted, Non-admitted States All States except WY

Apartment Insurance Consultants LLC

Coverages Equipment Breakdown, Property Carrier Status Non-admitted States All States except NY, OK

Appleby & Sterling

Coverages GL, Property Carrier Status Admitted States AZ, CA, NV

Construction Insurance Partners

Coverages Excess Liab, GL, Professional Liab, Residential `wrap-up`, Umbrella, Workers’ Comp States All States

Continental Brokers Inc.

Coverages BOP, D&O, Flood, Lessors Contingent Liab, Liability, Property Carrier Status Admitted States All States

Crusader Insurance Company

Coverages GL, Property Carrier Status Admitted States CA

Lancer Indemnity Company

Coverages GL, Property Carrier Status Admitted States CT, NJ, NY, PA

NeitClem Wholesale Insurance Brokerage Inc.

Coverages GL, Property Carrier Status Admitted, Nonadmitted States AZ, CA, NV, TX

Philadelphia Insurance Companies

Coverages Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Earthquake, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, Flood, GL, Identity Theft, Inland Marine, Property, Real & Business Personal Prop, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA

Preferred Property Programs

Coverages Equipment Breakdown, Excess Liab, Lessor Only Excess Liab, Mechanical Breakdown, Umbrella Carrier Status Admitted States All States

Prime Insurance Company

UCA General Insurance Services

Shuttle Service-Non Emergency Medical 5Star Paratransit Program

Coverages Auto Comm-Standard Liability, Excess Liab, GL, Physical Damage, Umbrella Carrier Status Admitted States Most States

5Star Public Auto Program

Coverages Auto Comm-Standard Liability & Physical Damage, Cargo, EPLI, Excess Liab, Hired & Non-owned Auto, Pollution Liab, Umbrella, Uninsured Motorists, Workers’ Comp Carrier Status Admitted States All States except AK, MA, NJ, RI

All Risks Ltd.

Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Excess Liab, GL, Physical Damage, Professional Liab, Workers’ Comp Carrier Status Admitted States All States except ND, OH, WA, WY

Irwin Siegel Agency Inc.

Coverages Abuse & Molestation, Auto Comm-Standard, Boiler & Machinery, Business Income, Crime, D&O, EPLI, Excess Liab, Garage Liability, GKLL, GL, Glass, Hired & Nonowned Auto, Inland Marine, Property, Umbrella Carrier Status Admitted States All States except AL, LA, MS, WV

Prime Insurance Company

Western Experts in Transportation

Coverages Excess Auto Carrier Status Admitted States Most States

Shuttle Services 5Star Public Auto Program

Coverages Auto Comm-Standard Liability & Physical Damage, Cargo, EPLI, Excess Liab, GL, Physical Damage, Pollution Liab, Umbrella, Workers’ Comp Carrier Status Admitted States All States

Atlas Financial Holdings - View Co. Info on Page 76

Coverages Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, GL, Medical Payments, Uninsured Motorists Carrier Status Admitted States Most States

National Indemnity Company

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

Prime Insurance Company

Lancer Indemnity Company

Coverages GL, Property Carrier Status Admitted States CT, NJ, NY, PA

Markel Specialty

Coverages Blanket Addt’l Insureds, BOP, Business Income, Fire, Food Spoilage, Glass, Herbicide & Pesticide, Hired & Non-owned Auto, Liability, Liquor Liab, Property, Rented Property, Spoilage, WC - Master Policies/ASO, Wind, Workers’ Comp Carrier Status Admitted States All States except FL, LA, NY, RI

Pennsylvania Lumbermens Mutual Insurance Company

Coverages Auto Comm-Standard, CGL, Commercial Marine, EPLI, Equipment Breakdown, Inland Marine, Liability, Property, Umbrella Carrier Status Admitted States All States

ProWriters

Coverages BOP, E&O, GL Carrier Status Admitted States Most States

Roush Insurance Services Inc.

Coverages Addt’l Expense, Bailee/Customer Goods, Boiler & Machinery, Builders Risk, Business Income, Business Interruption, CGL, Commercial Excess, Crime, Cyber Liab, D&O, E&O, EPLI, Equipment Breakdown, Excess Liab, Fine Arts, Fire, Food Spoilage, GL, Glass, Hired & Non-owned Auto, Liability, Liquor Liab, Misc Professional Liab, NonProfit D&O, Pollution Liab, Products Liab, Property, Real & Business Personal Prop, Religious Institutions, Technology E&O Carrier Status Non-admitted States IL, IN, OH

RPS Technology & Cyber

Coverages Bailee/Customer Goods, BOP, Breach of Security, Care/Custody/Control, Commercial Excess, Crime, Cyber Liab, D&O, E&O, EPLI, Fidelity Bonds, Fiduciary Liab, Foreign GL, GL, Hired & Non-owned Auto, Identity Theft, Inland Marine, Liability, Media Liab, Misc Professional Liab, Products Liab, Professional Liab, Property, Umbrella, Website Domain Name, Workers’ Comp Carrier Status Admitted States All States

tKg Wholesale Brokerage

Coverages Auto Comm-Nonstandard, Excess Liab, Professional Liab, Property, Theft, Umbrella, Workers’ Comp Carrier Status Non-admitted States All States

Snow Ski Rental Firms Prime Insurance Company

Snowmobile Tours - Guided Prime Insurance Company

Social Clubs Founders Insurance Company

RLI Transportation

Coverages Assault & Battery, Liquor Liab Carrier Status Admitted, Non-admitted States AL, CO, CT, FL, IA, IL, IN, KS, LA, MD, MI, MN, MT, NC, NH, NV, NY, OH, OR, TN, VA, WI

Western Experts in Transportation

Great American Ins. Group, Specialty Human Services

Coverages Auto Comm-Standard, Liability Carrier Status Admitted States All States except AK, DC, HI, LA, MA Coverages Excess Auto Carrier Status Admitted States All States except AK, HI, MA, NJ, NY

Small to Mid-Sized Businesses Advanced E&S Group - Midwest Region

AMIS/Alliance Marketing & Insurance Services LLC

Prime Insurance Company

Coverages Auto Comm-Standard Liability & Physical Damage, BOP, Liability, Property, Workers’ Comp Carrier Status Admitted States All States

Special Markets Ins. Consultants, An AmWINS Group

Appleby & Sterling

Western Security Surplus Insurance Brokers Inc.

Coverages BOP, COC, Workers’ Comp Carrier Status Admitted States AZ, CA, NV

Applied Underwriters Inc.

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

Great American Ins. Group - Executive Liability Division Coverages D&O, EPLI, Excess Liab, Fiduciary Liab Carrier Status Admitted States All States

68 | INSURANCE JOURNAL | NATIONAL DECEMBER 4, 2017

Coverages Accident & Health, Liability Carrier Status Admitted States All States

Coverages Business Interruption, CGL, Fire Legal Liab, GL, Liability, Medical Payments, New Occurrence Carrier Status Admitted, Non-admitted States CA, TX

Social Service Agencies 5Star D&O Program

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

INSURANCEJOURNAL.COM

2017 Annual Program Directory, Volume II 5Star Paratransit Program

Patriot Underwriters Inc.

Coverages Excess Liab, Umbrella, Workers’ Comp Carrier Status Admitted States All States except ND, OH, WA, WY

Coverages Excess Liab, GL, Hired & Non-owned Auto, Liquor Liab, Umbrella Carrier Status Admitted, Non-admitted States All States

AFC Insurance

Philadelphia Insurance Companies

Ashley General Agency

Coverages Auto Comm-Standard Liability, Excess Liab, GL, Physical Damage, Umbrella Carrier Status Admitted States Most States Coverages Abuse & Molestation, Blanket Addt’l Insureds, Boiler & Machinery, Business Interruption, Community/ Social Svcs, D&O, Developmental Disabilities, Employee Benefits, Inland Marine, Mental Health Care, Misc Professional Liab, Professional Liab, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except AK, HI

Allied Protector Plan

Coverages GL, Medical Malpractice, Medical Professional Carrier Status Non-admitted States All States

Atlas Financial Holdings - View Co. Info on Page 76

Coverages Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, GL, Medical Payments, Uninsured Motorists Carrier Status Admitted States All States

Care Providers Insurance Services LLC

AmWINS Group Inc. - 100 Locations Worldwide

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

Prime Insurance Company

RPS PNP

Russell Bond & Co. Inc.

Coverages Abuse & Molestation, Assault & Battery, Business Income, Business Interruption, Completed Operations Liab, Cyber Liab, D&O, E&O, Employee Benefits, EPLI, Excess Liab, Fiduciary Liab, Fire, GL, Good Samaritan, Hired & Non-owned Auto, Liability, Mental Health Care, Misc Professional Liab, Products Liab, Professional Liab, Property, Sexual Misconduct, Umbrella Carrier Status Admitted, Non-admitted States All States except AK, HI, UT, WY

Gateway Specialty Insurance

USX/S

Charity First Insurance Services Inc.

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

Great American Ins. Group - Executive Liability Division

Coverages Abuse & Molestation, Auto Comm-Standard Liability, Breach of Security, CGL, Cyber Liab, D&O, EPLI, Identity Theft, Misc Professional Liab, Professional Liab, Property Carrier Status Admitted, Non-admitted States All States

Coverages Community/Social Svcs, D&O, EPLI, Excess Liab, Fiduciary Liab Carrier Status Admitted States All States

Software Developers

Great American Ins. Group, Specialty Human Svcs

Access E&S Insurance Services (VA)

Indemnity Excess & Surplus Agency Inc.

Coverages Abuse & Molestation, CGL, D&O, EPLI, Professional Liab, Property Carrier Status Admitted States AZ, CA, CO, ID, NV, OR, TX, WA

Irwin Siegel Agency Inc.

Coverages Abuse & Molestation, Addiction Treatment, Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Community/Social Svcs, Crime, D&O, Excess Liab, GL, Inland Marine, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States

Markel Specialty

Monitor Liability Managers

Coverages Hole-in-One, Trade Shows & Festivals Carrier Status Non-admitted States TX

Aspera Insurance Services Inc.

Coverages CGL, Excess Liab Carrier Status Non-admitted States CA, FL

Burns & Wilcox - All Offices

Coverages CGL, Excess Liab, Inland Marine, Liquor Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States except AK, DC, HI

Founders Insurance Company

Coverages Assault & Battery, GL, Liquor Liab Carrier Status Admitted, Non-admitted States AL, CO, CT, FL, IA, IL, IN, KS, LA, MD, MI, MN, MT, NC, NH, NV, NY, OH, OR, TN, VA, WI

Gateway Specialty Insurance

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

Indemnity Excess & Surplus Agency Inc.

Coverages CGL, Liquor Liab Carrier Status Non-admitted States AZ, CA, CO, HI, ID, MT, NV, OR, TX, WA

Insurance Center Special Risks Ltd.

Coverages GL, Liquor Liab Carrier Status Admitted, Non-admitted States CT, MA, ME, NH, NY, PA, RI, VT

JD Fulwiler & Company Insurance

Coverages Assault & Battery, Auto Comm-Standard, CGL, Crime, Event Cancellation, Hired & Non-owned Auto, Inland Marine, Liquor Liab, Participant Accident, Umbrella, Weather, Workers’ Comp Carrier Status Admitted, Nonadmitted States All States except WY

K&K Insurance Group Inc.

Coverages Auto Comm-Standard, Crime, D&O, Excess Liab, GL, Inland Marine, Property Carrier Status Admitted States All States

NeitClem Wholesale Insurance Brokerage Inc.

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

AMIS/Alliance Marketing & Insurance Services LLC

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

IT Risk Managers Inc.

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

RPS Technology & Cyber

Special Events

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

Number One Insurance Agency

Coverages GL, Liquor Liab Carrier Status Admitted States MA

Philadelphia Insurance Companies

Coverages Business Income, Business Interruption, CGL, Fire Legal Liab, GL, Identity Theft, Inland Marine, Liquor Liab, Real & Business Personal Prop Carrier Status Admitted States All States except LA

Prime Insurance Company

Professional Program Insurance Brokerage

Coverages Abuse & Molestation, Blanket Addt’l Insureds, Commercial Excess, EPLI, GL, Liability, Property Carrier Status Non-admitted States All States

Safehold Special Risk

Abram Interstate Insurance Services Inc.

Special Markets Ins. Consultants, An AmWINS Group

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

Agency Intermediaries Inc.

TAPCO Underwriters Inc.

Coverages Abuse & Molestation, Addiction Treatment, Auto Comm-Standard, Boiler & Machinery, Business Income, Business Interruption, CGL, Community/Social Svcs, D&O, E&O, EPLI, Fiduciary Liab, Fire Legal Liab, GL, Hired & Nonowned Auto, Inland Marine, Liability, Medical & Physical Rehab, Medical Malpractice, Medical Payments, Products Liab, Professional Liab, Umbrella Carrier Status Admitted States All States except HI, LA

All Risks Ltd.

www.insurancehelper.com

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

Negley Associates

NIF Group Inc.

Nonprofits Insurance Alliance Group

Coverages Abuse & Molestation, Auto Comm-Standard, Auto Comm-Standard Phys Dmg, Business Income, Business Interruption, CGL, Crime, Developmental Disabilities, EPLI, Fiduciary Liab, Fire Legal Liab, Hired & Non-owned Auto, Inland Marine, Liquor Liab, Mechanical Breakdown, Misc Professional Liab, Non-Profit D&O, Umbrella, Uninsured Motorists Carrier Status Non-admitted States Most States

INSURANCEJOURNAL.COM

Coverages Event Cancellation, Liquor Liab, Trade Shows & Festivals Carrier Status Admitted, Non-admitted States CA Coverages GL, Medical Payments, Trade Shows & Festivals Carrier Status Non-admitted States CT, MA, ME, NH, RI Coverages Contingent Coverages, Excess Liab, GL, Hired & Non-owned Auto, Inland Marine, Liquor Liab, Medical Payments, Physical Damage, Prize Indemnification, Products Liab, Umbrella Carrier Status Non-admitted States All States

Allen Financial Ins. Group / The Equestrian Group

Coverages Accident & Health, Accidental Death, Blanket Addt’l Insureds, Cast Insurance, CGL, Event Cancellation, Excess Liab, Fire Legal Liab, Hole-in-One, Liquor Liab, Participant Accident, Props, Sets, Trade Shows & Festivals, Wardrobe, Weather, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except AK, DC, HI

Coverages Accident & Health, Liability Carrier Status Admitted States All States

Coverages GL, Liquor Liab, Property Carrier Status Non-admitted States Most States Coverages Abuse & Molestation, Blanket Addt’l Insureds, Blanket Waivers, CGL, Completed Operations Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Liability, Liquor Liab, Medical Payments, Participant Accident, Personal Liab, Products Liab, Trade Shows & Festivals, Weather Carrier Status Non-admitted States All States

Substance Abuse Program Admins Irwin Siegel Agency Inc.

Coverages Abuse & Molestation, Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Crime, D&O, Environmental Liab, EPLI, Equipment Breakdown, Excess Liab, Fire Legal Liab, GL, Inland Marine, Medical Payments, Pollution Liab, Professional Liab, Property, Umbrella Carrier Status Admitted States All States

DECEMBER 4, 2017 INSURANCE JOURNAL | NATIONAL | 69

2017 Annual Program Directory, Volume II Philadelphia Insurance Companies

Coverages CGL, Property Carrier Status Admitted States All States except LA

Prime Insurance Company

Surgery Centers Prime Insurance Company

Pro-Praxis Insurance

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

Quaker Special Risk (Florida)

Coverages CGL, Commercial Excess, GL, Liability, Professional Liab Carrier Status Non-admitted States Most States

Quaker Special Risk (Mass.)

Coverages CGL, Commercial Excess, GL, Liability, Professional Liab Carrier Status Non-admitted States Most States

Quaker Special Risk (New York)

Coverages CGL, Commercial Excess, GL, Liability, Professional Liab Carrier Status Non-admitted States Most States

Tax Preparers & Bookkeepers All Risks Ltd.

Coverages Misc Professional Liab, Professional Liab Carrier Status Admitted States AL, AZ, CA, CO, FL, IA, IL, IN, MA, MD, MI, MN, MO, NC, NJ, OK, OR, PA, SC, TN, TX, VA, WA

Herbert H. Landy Insurance

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

Norman-Spencer International Inc.

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

Prime Insurance Company

Target Professional Programs

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

Taxi Service 5Star Public Auto Program

Coverages Auto Comm-Standard Liability & Physical Damage, CGL, Excess Liab, Medical, Umbrella Carrier Status Admitted States Most States

Atlas Financial Holdings - View Co. Info on Page 76

RPS Technology & Cyber

Target Professional Programs

Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Business Income, Business Interruption, Care/ Custody/Control, CGL, Commercial Excess, Crime, E&O, Employee Benefits, EPLI, Equipment Breakdown, Excess Liab, Fidelity, Fire, Fire Legal Liab, GL, Hired & Non-owned Auto, Legal Expense Ins, Legal Liab, Liability, Personal Property, Professional Liab, Property, Real & Business Personal Prop, Theft, Umbrella Carrier Status Admitted States All States

U.S. Risk Insurance Group LLC

Coverages Auto Comm-Standard Liability, CGL, Crime, E&O, EPLI, Excess Liab, Workers’ Comp Carrier Status Non-admitted States All States

World Wide Specialty Programs Inc.

Tanning Salons

Coverages Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, GL, Medical Payments, Uninsured Motorists Carrier Status Admitted States Most States

Insurtec Tanning and Spa Insurance

KF&B Program Managers Insurance Services

Coverages Accident & Health, Auto Comm-Standard, Care/ Custody/Control, CGL, Crime, Equipment, Excess Liab, GL, Participant Accident, Property, Wardrobe Carrier Status Admitted States All States except DC

Prime Insurance Company

Great American Ins. Group, Specialty Human Services

Temporary Medical Staffing

JD Fulwiler & Company Insurance

Coverages Addt’l Expense, BOP, Business Income, CGL, Crime, EPLI, Equipment Breakdown, Fire Legal Liab, Hired & Non-owned Auto, Professional Liab, Property, Tanning Liab Carrier Status Non-admitted States All States except AK, NY

M.J. Kelly Company

Coverages Business Income, CGL, GL, Professional Liab, Umbrella States AR, CO, FL, IA, ID, IL, KS, MO, MS, MT, NM, OK, TN, TX, UT

Prime Insurance Company

Professional Program Insurance Brokerage

Coverages Abuse & Molestation, BOP, GL, Liability, Personal Property, Professional Liability, Property Carrier Status Non-admitted States All States

Sports & Fitness Insurance Corporation (SFIC)

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

Universal Insurance Programs

Tattoo Parlors/Permanent Makeup/Body Piercing All Risks Ltd.

Coverages Assault & Battery, Business Income, Employee Benefits, GL, Hired & Non-owned Auto, Medical Payments, Personal Property, Professional Liab, Property Carrier Status Non-admitted States All States

Allen Financial Ins. Group / The Equestrian Group

Coverages Blanket Addt’l Insureds, Business Income, CGL, Completed Operations Liab, New Occurrence, Professional Liab, Property, Tanning Liab Carrier Status Non-admitted States All States

Prime Insurance Company

Professional Program Insurance Brokerage

Coverages BOP, Liability, Misc Professional Liab, Professional Liab, Property Carrier Status Non-admitted States All States

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

Pro-Praxis Insurance

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

World Wide Specialty Programs Inc.

Temporary Staffing Firms All Risks Ltd.

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

AmWINS Group Inc. - 100 Locations Worldwide

Coverages WC - Master Policies/ASO, Workers’ Comp Carrier Status Non-admitted States All States

Artex Risk Solutions Inc.

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

Theatre Production Companies Allen Financial Ins. Group / The Equestrian Group

Title Agents Fox Point Programs

Coverages E&O, EPLI, GL, Professional Liab Carrier Status Non-admitted States All States except CA

Gerald J. Wilkoff Inc.

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

Intercorp Inc.

Coverages Professional Liab Carrier Status Non-admitted States All States

Logic Underwriters Inc.

Coverages BOP, E&O Carrier Status Admitted, Non-admitted States TX

Professional Ins. Concepts (fka Crump Prof. Concepts)

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

Tour & Charter Bus Services 5Star Public Auto Program

Empire Underwriters LLC

Coverages Auto Comm-Standard Liability & Physical Damage, Cargo, EPLI, Excess Liab, GL, Pollution Liab, Umbrella, Workers’ Comp Carrier Status Admitted States All States

NSM Insurance Group

KF&B Program Managers Insurance Services

Philadelphia Insurance Companies

Midwestern Insurance Alliance LLC

Coverages BOP, CGL, Workers' Comp, Workers' Comp Plus (Alternative) Carrier Status Admitted States Most States Coverages E&O, Workers’ Comp Carrier Status Admitted States All States Coverages Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Boiler & Machinery, Business Income, Care/Custody/Control, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Hired & Non-owned Auto, Identity Theft, Legal Expense Ins, Personal Property, Professional Liab, Protection & Indemnity, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA

70 | INSURANCE JOURNAL | NATIONAL DECEMBER 4, 2017

Coverages Auto Comm-Standard, Liability Carrier Status Admitted States All States except LA, MA, NJ Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States AZ, CA, CO, NM, NV, TX, UT

INSURANCEJOURNAL.COM

2017 Annual Program Directory, Volume II Prime Insurance Company

RLI Transportation

Coverages Auto Comm-Standard, Excess Liab, Garage Liability, GKLL, GL, Liability, Physical Damage Carrier Status Admitted States All States except AK, DC, HI, MA

Tow Truck Firms KBK Insurance Group Inc.

Coverages Auto Comm-Standard Liability & Physical Damage, Garage Keepers Legal Liab, GL, On-Hook Cargo, Property, Umbrella Carrier Status Admitted States All States except AK, DC, HI, MA, NY

Lancer Insurance Company

Coverages Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage Carrier Status Admitted States CT, NJ, NY, PA

National Indemnity Company

Coverages Auto Comm-Nonstandard, Auto CommNonstandard Phys Dmg, Garage Keepers Legal Liab, Medical Payments, Motor Truck Cargo, Uninsured Motorists Carrier Status Admitted, Non-admitted States All States except HI, MA, NJ, NY

Prime Insurance Company

Russell Bond & Co. Inc.

Coverages Auto Comm-Standard, Auto Comm-Standard Phys Dmg, Care/Custody/Control, Cargo, Emergency Towing & Service, Garage Liability, GKLL, Motor Truck Cargo, On-Hook Cargo, Property, Truck Auto Liab, Umbrella Carrier Status Admitted States All States except AK, HI, WY

Trade Show Exhibitors Allen Financial Ins. Group / The Equestrian Group

Coverages Addt’l Expense, Auto Comm-Standard, Care/ Custody/Control, CGL, Completed Operations Liab, Equipment, Hired & Non-owned Auto, Liquor Liab, Personal Property, Products Liab, Umbrella Carrier Status Admitted States All States except DC

BUA LLC

Coverages Excess Liab, GL Carrier Status Admitted States All States

JD Fulwiler & Company Insurance

Coverages Auto Comm-Standard, CGL, Hired & Non-owned Auto, Inland Marine, Umbrella Carrier Status Admitted, Non-admitted States All States except WY

Prime Insurance Company

www.insurancehelper.com

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

Translators & Interpreters Professional Program Insurance Brokerage

Coverages Abuse & Molestation, BOP, GL, Liability, Misc Professional Liab, Professional Liab Carrier Status Non-admitted States All States

Trap & Skeet Shooting Clubs Joseph Chiarello & Co., Inc.; Firearms Business Insurance Program

Coverages Auto Commercial - Standard, Boiler & Machinery, Business Income, CGL, Commercial General Liability, Equipment, Equipment Breakdown, Firearms Liability, Liquor Liability, Property Carrier Status Admitted States All States

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Travel Agents & Tour Operators

Applied Underwriters Inc.

Prime Insurance Company

Travel Trailers

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

Burns & Wilcox - All Offices

Coverages Auto Comm-Nonstandard, CGL, Excess Liab, Property Carrier Status Admitted, Non-admitted States All States except AK, DC, HI

Crouse & Associates

Prime Insurance Company

Coverages Cargo, CGL, COC, D&O, Difference in Conditions, E&O, Hired & Non-owned Auto, Motor Truck Cargo, Transportation Pollution Liab, Umbrella Carrier Status Admitted States All States

Truck Body/Manufacturers/Distributors

Coverages CGL, Motor Truck Cargo, Workers' Comp, Workers' Comp Plus (Alternative) Carrier Status Admitted, Non-admitted States AL, FL, GA, IN, KY, LA, MS, NC, SC, TN, TX, VA, WI

AmWINS Program Underwriters

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

Freberg Environmental Inc.

Prime Insurance Company

Coverages Auto Comm-Nonstandard, Auto CommNonstandard Phys Dmg, CGL, GL, Hired & Non-owned Auto, Pollution, Pollution Liab, Transportation Pollution Liab, Uninsured Motorists Carrier Status Admitted States All States except FL, HI, LA, MA, NY

Griffin General Agency Inc.

Coverages Auto Comm-Nonstandard, CGL, Property Carrier Status Non-admitted States TX

Truck Dealers - Franchised KBK Insurance Group Inc.

Coverages Auto Comm-Standard, Dealers Open Lot, GKLL, Property Carrier Status Admitted States All States except AK, HI, MA, NY

Prime Insurance Company

Target Managers Insurance Services

Coverages EPLI, Workers’ Comp Carrier Status Admitted States AK, AL, AR, AZ, CA, CO, FL, GA, IL, IN, LA, MN, MS, NE, NJ, NM, NV, OK, OR, TN, TX, UT, WA, WI

Williams & Stazzone Insurance Agency Inc.

Coverages Crime, Dealers Open Lot, EPLI, Garage Keepers Legal Liab, Garage Liability, Interim Car Liab/Phys Dmg, Lessor Only Excess Liab, Lessors Contingent Liab, Lessors Contingent Phys Dmg, Property, Umbrella Carrier Status Admitted States All States

Truckers/Trucking Firms

Guardian Insurance Wholesalers Inc.

Coverages Cargo, GL, Liability, Long Haul, Non-Trucking Auto Liab, Occupational Accident, Physical Damage, Truck Auto Liab, Umbrella, Workers’ Comp Carrier Status Admitted States All States except DC

Interline Insurance Services

Coverages Auto Comm-Standard, Auto Comm-Standard Phys Dmg Carrier Status Admitted States CA

International Transportation & Marine Agency Inc. Coverages Cargo, GL, Physical Damage Carrier Status Admitted, Non-admitted States All States

J.M. Wilson

Coverages Long Haul, Motor Truck Cargo, Physical Damage, Truck Auto Liab Carrier Status Admitted States AL, AR, FL, GA, IA, IL, IN, KS, KY, MI, MO, NC, NE, OH, OK, PA, SC, TN, VA, WI, WV

Lancer Insurance Company

Coverages Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage Carrier Status Admitted States CT, NJ, NY, PA

M.J. Kelly Company

Coverages Auto Comm-Standard Liability & Physical Damage, Cargo, Excess Liab, GL, Hired & Non-owned Auto, Long Haul, Medical Payments, Physical Damage, Truck Auto Liab, Uninsured Motorists States AR, CO, FL, IA, ID, IL, KS, MO, MS, MT, NM, OK, TN, TX, UT

5Star Non-Trucking Liability Program

Coverages Non-Trucking Auto Liab, Physical Damage Carrier Status Admitted, Non-admitted States All States except AK, HI, MA, NH, NY

5Star Trucking Program

Coverages Auto Comm-Standard Liability & Physical Damage, Cargo, Disability, EPLI, Excess Liab, GL, NonTrucking Auto Liab, Occupational Accident, Participant Accident, Physical Damage, Pollution Liab, Umbrella, Uninsured Motorists, Workers’ Comp Carrier Status Admitted States All States except CA, MA, NH, NJ, NY

5Star Workers’ Compensation Services

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

Align General Insurance Agency LLC

Coverages Auto Comm-Nonstandard, Auto CommNonstandard Phys Dmg, Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Cargo, CGL Carrier Status Admitted States AZ, CA, NV

All Risks Ltd.

Coverages GL, Workers’ Comp Carrier Status Admitted, Non-admitted States AZ, CA, CT, GA, IL, IN, KS, MO, MS, NC, NV, PA, SC, TN, VA

AmWINS Transportation Underwriters Inc.

Empire Underwriters LLC

Coverages Auto Comm-Standard Liability & Physical Damage, Cargo, Contingent Coverages, Excess Liab, GL, Inland Marine, Long Haul, Motor Truck Cargo, Physical Damage, Transportation Pollution Liability Carrier Status Admitted, Non-admitted States All States

MacAfee & Edwards Inc. - Mexican Insurance Specialist Coverages Int’l Coverage - Commercial, Int’l Coverage Personal Carrier Status Non-admitted States All States

MAXIMUM

Coverages Auto Comm-Nonstandard, Auto CommNonstandard Phys Dmg, Cargo, Contractors Equip, Dealers Open Lot, GL, Hired & Non-owned Auto, Non-Trucking Auto Liab, Physical Damage, Transportation Pollution Liab, Truck Auto Liab, Umbrella Carrier Status Non-admitted States All States

MexiPass International Insurance Services LLC Coverages Int’l Coverage - Commercial, Int’l Coverage Personal States All States

Midlands Management Corp.

Coverages Accident & Health, Accidental Death, Occupational Accident Carrier Status Non-admitted States All States except CA, DC, NY

Midwestern Insurance Alliance LLC

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

National Advantage Insurance Services Inc.

Coverages Auto Comm-Standard Liability & Physical Damage, GL, Motor Truck Cargo, Non-Trucking Auto Liab, Truck Auto Liab, Umbrella Carrier Status Admitted, Non-admitted States AZ, CA, NV, OR, TX

DECEMBER 4, 2017 INSURANCE JOURNAL | NATIONAL | 71

2017 Annual Program Directory, Volume II Paul Hanson Partners Specialty Ins./Mover's Choice Coverages Cargo, CGL, Property, Truck Auto Liab Carrier Status Admitted States All States

PEO Brokers Group

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

Prime Insurance Company

RLI Transportation

Coverages Auto Comm-Standard, Cargo, Excess Liab, GKLL, GL, Motor Truck Cargo, Occupational Accident, Physical Damage, Truck Auto Liab Carrier Status Admitted States All States except AK, DC, HI, MA

Scout Insurance Group Inc.

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

Shelly, Middlebrooks & O’Leary Inc. (Jacksonville) Coverages Auto Comm-Standard, Cargo, GL, Physical Damage States FL

KBK Insurance Group Inc.

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

Lancer Insurance Company

Coverages Dealers Open Lot, Garage Liability Carrier Status Admitted States NY

M.J. Hall & Company Inc.

Coverages Business Interruption, Commercial Excess, Dealers Open Lot, Excess Liab, Fire, Garage Liability, GKLL, Medical Payments, Property, Real & Business Personal Prop Carrier Status Non-admitted States AK, AZ, CA, NV

M.J. Kelly Company

Coverages Dealers Open Lot, Fidelity Bonds, Fire Legal Liab, Garage Liability, GKLL, Medical Payments, Uninsured Motorists States AR, CO, FL, IA, ID, IL, KS, MO, MS, MT, NM, OK, TN, TX, UT

National Indemnity Company

Coverages Dealers Open Lot, Garage Keepers Legal Liab, Garage Liability, GKLL, Medical Payments, Uninsured Motorists Carrier Status Admitted, Non-admitted States All States except HI, MA, NJ, NY

Prime Insurance Company

Coverages Auto Comm-Standard Liability & Physical Damage, Cargo, Long Haul Carrier Status Admitted States AR, MS, OK, TN, TX

Southern Insurance Underwriters Inc. CMGA

Sierra Specialty

South & Western General Agency Inc.

Coverages Cargo, Container Refrigeration Break, Hired & Non-owned Auto, Inland Marine, Liability, Long Haul, Motor Truck Cargo, Non-Trucking Auto Liab, On-Hook Cargo, Physical Damage, Pollution, Truck Auto Liab, Uninsured Motorists Carrier Status Admitted States FL, GA, MS, NC, SC, TN

tKg Wholesale Brokerage

Coverages Auto Comm-Nonstandard Phys Dmg, Auto Comm-Standard Liability, Cargo, CGL, Commercial Excess Carrier Status Non-admitted States All States

Western Surplus Lines Agency Inc.

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

Worldwide Facilities LLC

Coverages GL, Motor Truck Cargo Carrier Status Admitted States All States

Used Car Dealers AAU, A division of USG Insurance Services

Coverages CGL, Dealers Open Lot, EPLI, Garage Keepers Legal Liab, Garage Liability, Umbrella Carrier Status Admitted, Non-admitted States All States

Alamo Surety Bonds

Coverages Fidelity Bonds, Surety Bonds Carrier Status Admitted States AL, AZ, CO, FL, GA, IN, KS, LA, MO, MS, NC, NV, TX

All Risks Ltd.

Coverages Physical Damage, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Coverages CGL, Dealers Open Lot, Garage Keepers Legal Liab, Garage Liability, Inland Marine, Property Carrier Status Admitted, Non-admitted States All States

Southern Insurance Underwriters Inc. CMGA

Coverages Completed Operations Liab, Dealers Open Lot, Fire Legal Liab, Garage Liability, GKLL, Liability, Physical Damage, Property, Tools & Equip, Uninsured Motorists Carrier Status Admitted, Non-admitted States AL, FL, GA, MS, SC, TN

Walter General Agency (WGA)

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

Williams & Stazzone Insurance Agency Inc.

Coverages Crime, Dealers Open Lot, Garage Keepers Legal Liab, Garage Liability, GKLL, Interim Car Liab/Phys Dmg, Lessor Only Excess Liab, Lessors Contingent Liab, Lessors Contingent Phys Dmg, Property Carrier Status Admitted States All States except HI

Utilities-Natural Gas Companies AmWINS Program Underwriters

Coverages Auto Comm-Standard, Boiler & Machinery, GL, Inland Marine, Property, Public Officials, Railroad Protective Liab, Umbrella Carrier Status Admitted States All States

Prime Insurance Company

Appalachian Underwriters Inc.

Brecht & Associates

All Risks Ltd.

Coverages Dealers Open Lot, Fire Legal Liab, Garage Keepers Legal Liab, Garage Liability, GL, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except AK, CA, HI, NY, RI Coverages Auto Comm-Nonstandard, Auto CommNonstandard Phys Dmg, CGL, Commercial Excess, Dealers Open Lot, Fire, Garage Liability, GKLL, GL, Physical Damage, Property, Theft, Umbrella, Uninsured Motorists, Uninsured Personal Injury Carrier Status Non-admitted States TX

DMI Insurance Services

Valet Parking Companies Coverages Garage Keepers Legal Liab, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except MA, NJ, NY

Alliant Specialty Insurance Services Inc.

Coverages Auto Comm-Standard, E&O, Garage Liability, GKLL, Property, Umbrella, Workers’ Comp Carrier Status Non-admitted States All States

McLeckie Insurance Group

Coverages Garage Keepers Legal Liab, Legal Liab Carrier Status Non-admitted States All States

Prime Insurance Company

U.S. Risk Insurance Group LLC

Coverages CGL, Garage Keepers Legal Liab, GKLL Carrier Status Non-admitted States All States

72 | INSURANCE JOURNAL | NATIONAL DECEMBER 4, 2017

Vendor Management Services Prime Insurance Company

World Wide Specialty Programs Inc.

Veterinarians Allen Financial Ins. Group / The Equestrian Group

Coverages BOP, Care/Custody/Control, Excess Liab, Horse Mortality, Livestock/Animal Mortality, Professional Liab Carrier Status Admitted States All States except AK, DC, HI, LA, NJ, NY

Prime Insurance Company

Vineyards Abram Interstate Insurance Services Inc.

Coverages EPLI, Equipment, Equipment Breakdown, GL, Liquor Liab, Pollution Liab, Property Carrier Status Admitted, Non-admitted States CA

Agricultural Insurance Mgmt Services

Coverages CGL, Products Liab, Property Carrier Status Admitted States Most States

Professional Liability Ins. Svcs - Underwriting Facilities Coverages E&O, Professional Liab Carrier Status Non-admitted States All States

Safehold Special Risk

Coverages Boiler & Machinery, Business Interruption, Catastrophe, Equipment, Equipment Breakdown, GL, Hail, Inland Marine, OCP, Pollution, Pollution Liab, Property, Tools & Equip, Umbrella, Workers’ Comp Carrier Status Admitted States All States except AK, HI

Sierra Specialty

Coverages CGL, Herbicide & Pesticide, High Valued Homes, Inland Marine, Personal Property, Pollution Liab, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States

Vitamin/Health Food Suppliers CRC Insurance Services - All Offices

Coverages CGL, EPLI, Products Liab Carrier Status Non-admitted States All States

NeitClem Wholesale Insurance Brokerage Inc.

Coverages Completed Operations Liab, Foreign GL, GL, Liability, Product Extended Warranty, Products Liab Carrier Status Admitted, Non-admitted States AZ, CA, NV, TX

Prime Insurance Company

Professional Program Insurance Brokerage

Coverages Abuse & Molestation, Blanket Addt’l Insureds, CGL, Commercial Excess, EPLI, GL, Liability, Products Liab, Property Carrier Status Non-admitted States All States

Quaker Special Risk (Mass.)

Coverages CGL, Commercial Excess, GL, Liability, Products Liab Carrier Status Non-admitted States Most States

Quaker Special Risk (New Jersey)

Coverages CGL, Commercial Excess, GL, Liability, Products Liab Carrier Status Non-admitted States Most States

Worldwide Facilities LLC

Coverages Products Liab, Property Carrier Status Admitted, Non-admitted States All States

Warehouse Operators AmWINS Program Underwriters

Coverages Business Interruption, GL, Legal Liab, Motor Truck Cargo, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except AK, HI

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2017 Annual Program Directory, Volume II Empire Underwriters LLC

Coverages CGL, Inland Marine, Motor Truck Cargo, Property, Workers' Comp, Workers' Comp Plus (Alternative) Carrier Status Admitted, Non-admitted States All States

Gorst & Compass Insurance

Coverages BOP, Business Income Carrier Status Non-admitted States CA

National Advantage Insurance Services Inc.

Coverages Inland Marine, Property Carrier Status Non-admitted States AZ, CA, NV, OR, TX

Prime Insurance Company

Waste Haulers Align General Insurance Agency LLC

Coverages Auto Comm-Nonstandard, Auto CommNonstandard Phys Dmg, Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Cargo, CGL Carrier Status Admitted States AZ, CA, NV

All Risks Ltd.

Coverages Excess Liab, GL, Professional Liab, Workers’ Comp Carrier Status Admitted States All States except ND, OH, WA, WY

Alliant Specialty Insurance Services Inc.

Coverages Auto Comm-Standard, GL, Inland Marine, Pollution, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States AL, AZ, CA, CO, FL, GA, IL, IN, NC, OH, OK, OR, PA, SC, TN, TX, UT, WA

AmWINS Program Underwriters

Coverages Auto Comm-Standard, Auto Comm-Standard Phys Dmg, Environmental Liab, GL, Pollution, Umbrella Carrier Status Admitted, Non-admitted States All States except DC, HI, MD, NJ

Beacon Hill Associates Inc.

Coverages CGL, E&O, Pollution States All States

Berkley Specialty Underwriting Mgrs - Environmental Div

Grundy Insurance

Coverages Auto Comm-Standard, CGL, Crime, D&O, E&O, EPLI, Equipment Breakdown, Excess Liab, Property, Public Officials Carrier Status Admitted States All States except HI

NIF Group Inc.

Coverages Auto Comm-Standard, Boiler & Machinery, Business Interruption, Commercial Excess, E&O, EPLI, GL, Products Liab Carrier Status Admitted States AZ, MA, NJ, NY, PA, TN

Philadelphia Insurance Companies Prime Insurance Company

US Assure

Coverages Builders Risk, COC, Earthquake, Fire, Flood, Hail, Hurricane, Installation Floaters, Theft, Weather, Wind States All States

Weddings All Risks Ltd.

Coverages Excess Liab, GL, Hired & Non-owned Auto, Inland Marine, Liquor Liab, Physical Damage, Products Liab, Umbrella Carrier Status Non-admitted States All States

JD Fulwiler & Company Insurance

Coverages CGL, Event Cancellation, Hired & Non-owned Auto, Liquor Liab, Umbrella Carrier Status Admitted, Non-admitted States All States except WY Coverages Event Cancellation, Liability, Property Carrier Status Admitted States All States

Philadelphia Insurance Companies

Coverages CGL, Property Carrier Status Admitted States All States except LA

Brecht & Associates

Wildlife Control

Coverages Auto Comm-Nonstandard, GL, Inland Marine, Property Carrier Status Non-admitted States TX

Midwestern Insurance Alliance LLC

Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States AL, AR, AZ, CA, CO, GA, IA, IL, IN, KS, KY, MO, NC, NE, NM, NV, PA, SC, TN, TX, UT, VA

Prime Insurance Company

Water Well Drilling Operation Co’s AmWINS Program Underwriters

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

Prime Insurance Company

Western Surplus Lines Agency Inc.

Coverages CGL, Control of Well, Inland Marine Carrier Status Non-admitted States LA, ND, NM, OK, TX

Water/Wastewater Facilities Beacon Hill Associates Inc.

Coverages CGL, E&O, Pollution States All States

Freberg Environmental Inc.

Coverages CGL, Environmental Liab, Excess Liab, GL, Pollution, Pollution Liab, Transportation Pollution Liab Carrier Status Non-admitted States All States

INSURANCEJOURNAL.COM

Southern Insurance Underwriters Inc. CMGA

Coverages Business Income, CGL, Commercial Excess, Inland Marine, Liability, Liquor Liab, Personal Property Carrier Status Admitted States Most States

Wood Workers Coverages Auto Comm-Standard, Boiler & Machinery, Builders Risk, CGL, Crime, D&O, EPLI, Equipment Breakdown, Inland Marine, Motor Truck Cargo, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Midwestern Insurance Alliance LLC

Coverages Workers’ Comp, Workers’ Comp Plus (Alternative) Carrier Status Admitted States AL, AR, AZ, CO, GA, IA, IL, KS, KY, MO, NC, NE, NM, NV, PA, SC, TN, TX, UT, VA

Pennsylvania Lumbermens Mutual Insurance Company

Coverages Auto Comm-Standard, CGL, Commercial Marine, EPLI, Equipment Breakdown, Inland Marine, Liability, Property, Umbrella Carrier Status Admitted States All States

Woodus K. Humphrey & Co. (AmWINS)

Coverages Auto Comm-Standard, Boiler & Machinery, Business Interruption, Equipment Breakdown, GL, Inland Marine, Property, Umbrella Carrier Status Admitted States All States

Wrecking Contractors Apollo General Ins. Agency Inc.

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

Markel Personal Lines

www.insurancehelper.com

Coverages Auto Comm-Standard, Fire, GL, Inland Marine, Umbrella Carrier Status Admitted States AR, NM, OK, TN, TX

Keith D. Peterson & Company Inc.

Coverages CGL, Property Carrier Status Admitted States All States except LA

Coverages Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Blanket Addt’l Insureds, Blanket Waivers, CGL, Commercial Excess, Employee Benefits, Environmental Liab, GL, Hired & Non-owned Auto, Int’l Coverage - Commercial, Pollution, Professional Liab, Umbrella, Uninsured Motorists, Uninsured Personal Injury, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

South & Western General Agency Inc.

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

Prime Insurance Company

Yacht Clubs Maritime Program Group

Brownyard Group

Prime Insurance Company

Coverages Boats, CGL, Commercial Marine, Crime, Hired & Non-owned Auto, Hull, Inland Marine, Marina Operators Legal, Piers & Docks, Pollution, Umbrella, Workers’ Comp Carrier Status Admitted States All States

Markel Personal Lines

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

Midlands Management Corp.

Coverages Hull, Medical Payments, Protection & Indemnity (P&I), Watercraft Liab Carrier Status Admitted, Non-admitted States All States except DC

Prime Insurance Company

Wineries

Alamo Surety Bonds

Safehold Special Risk

Coverages Fidelity Bonds, Surety Bonds Carrier Status Admitted States AL, AZ, CO, FL, GA, IN, KS, LA, MO, MS, NC, NV, TX

Markel Specialty

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

Professional Liability Ins. Svcs - Underwriting Facilities Coverages E&O, Professional Liab Carrier Status Non-admitted States All States

Sierra Specialty

Coverages Boats, Boiler & Machinery, CGL, COC, Commercial Excess, Commercial Marine, Equipment, Equipment Breakdown, GL, Property, Umbrella, Watercraft Liab, Watersports Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

TCA Inc.

Coverages Boats, Builders Risk, CGL, Commercial Excess, Commercial Marine, Contractors Equip, Excess Liab, GL, Hull, Liability, Marina Operators Legal, Piers & Docks, Pollution, Pollution Liab, Professional Liab, Property, Protection & Indemnity (P&I), Wet Marine Carrier Status Admitted, Non-admitted States All States

The Hanover Insurance Group

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

DECEMBER 4, 2017 INSURANCE JOURNAL | NATIONAL | 73

2017 Annual Program Directory, Volume II Yachts/Mega Yachts

Youth Sports Associations

Insurance Center Special Risks Ltd.

Affinity Nonprofits

Coverages Emergency Towing & Service, Hull, Medical Payments, Personal Property, Pollution Liab, Watercraft Liab, Watersports Liab Carrier Status Admitted States CT, MA, ME, NH, NY, PA, RI, VT

Maritime Program Group

Coverages Boats, Hull, Medical, Pollution, Protection & Indemnity (P&I) Carrier Status Admitted States All States

Markel Personal Lines

Coverages Hull, Liability, Medical Payments, Pollution Liab, Uninsured Boaters, Watercraft Liab Carrier Status Admitted States All States

Coverages D&O, EPLI, Fiduciary Liab, Non-Profit D&O Carrier Status Admitted States All States except HI

All Risks Ltd.

Coverages Accidental Death, Catastrophe, GL, Legal Liab, Medical Carrier Status Non-admitted States All States

Allen Financial Ins. Group / The Equestrian Group

Coverages Abuse & Molestation, Accident & Health, Accidental Death, Auto Comm-Standard, CGL, Commercial Excess, Crime, Event Cancellation, Excess Liab, Participant Accident, Property Carrier Status Admitted States All States except DC

Prime Insurance Company

Gateway Specialty Insurance

Quaker Special Risk (Florida)

JD Fulwiler & Company Insurance

Quaker Special Risk (New Jersey)

Coverages Hull, Protection & Indemnity (P&I), USL&H Carrier Status Non-admitted States Most States

Quaker Special Risk (New York)

Coverages Hull, Watercraft Liab Carrier Status Non-admitted States Most States

Southern Insurance Underwriters Inc. CMGA

Coverages Boats, Builders Risk, Commercial Marine, Emergency Towing & Service, Excess Liab, Fire, Flood, Hail, Hull, Hurricane, Liability, Medical Payments, Pollution, Pollution Liab, Protection & Indemnity (P&I), Theft, Uninsured Boaters, USL&H, Watercraft Liab, Watersports Liab, Wind, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Sun Coast General Insurance Agency

Coverages Boats, Commercial Marine, Hull, Liability, Piers & Docks, Ship Repairers Legal, Uninsured Boaters, Watercraft Liab, Wet Marine Carrier Status Admitted, Non-admitted States AK, AZ, CA, FL, NV, OR, UT, WA

TCA Inc.

Coverages Boats, Hull, Protection & Indemnity (P&I), Theft, Uninsured Boaters Carrier Status Admitted, Non-admitted States All States

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

Safehold Special Risk

Coverages Business Income, Crime, Equipment Breakdown, Event Cancellation, Excess Liab, GL, Liability, Liquor Liab, Property, Workers’ Comp Carrier Status Admitted States All States

Special Markets Ins. Consultants, An AmWINS Group Coverages Accident & Health, Liability Carrier Status Admitted States All States

Sports & Fitness Insurance Corporation (SFIC)

Coverages Accident & Health, Accidental Death, Flood, GL, Medical, Property Carrier Status Admitted States All States

www.insurancehelper.com

Coverages Abuse & Molestation, Accident & Health, Blanket Addt’l Insureds, Blanket Waivers, CGL, Completed Operations Liab, Event Cancellation, GL, Hired & Non-owned Auto, Hole-in-One, Liability, Liquor Liab, Medical Payments, Participant Accident, Personal Liab, Products Liab, Sexual Misconduct, Student Accident, Trade Shows & Festivals, Weather Carrier Status Non-admitted States All States

Coverages Abuse & Molestation, Auto Comm-Standard, CGL, D&O, EPLI, Inland Marine, Participant Accident, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States except WY

K&K Insurance Group Inc.

Coverages Abuse & Molestation, CGL, Crime, D&O, Inland Marine, Participant Accident States All States

Philadelphia Insurance Companies

Coverages Abuse & Molestation, Auto Comm-Standard, Auto Comm-Standard Liability & Physical Damage, Boiler & Machinery, CGL, D&O, Employee Benefits, EPLI, Fiduciary Liab, Fire Legal Liab, GL, Identity Theft, Inland Marine, Property, Real & Business Personal Prop, Sexual Misconduct, Umbrella, Uninsured Motorists Carrier Status Admitted States All States except LA

Prime Insurance Company

RPS Bollinger Sports & Leisure

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

Terheggen/Malone Marine Insurance

Coverages Boats, Watercraft Liab Carrier Status Admitted States AZ, CA, NV

74 | INSURANCE JOURNAL | NATIONAL DECEMBER 4, 2017

INSURANCEJOURNAL.COM

2017 Annual Program Directory Volume II – Alphabetical Directory of Markets 5Star Business Auto Program (Misc. classes)

Allied Protector Plan

158 N. Harbor City Blvd., Melbourne, FL 32935 Phone: (877) 247-9772, Fax: (321) 757-6147 businessauto@5starsp.com www.5starsp.com

655 N. Franklin St., Ste. 1800, Tampa, FL 33602 Phone: (813) 293-6907, Fax: (813) 221-4109 app@bbprograms.com www.alliedprotectorplan.com

5Star Contract School Bus Program

Advanced E&S Group - Midwest Region

American Collectors Insurance, Inc.

5Star D&O Program

Advanced E&S Group - Southeast Region

American Public Risk

5Star Garage Services & Auto Dealers Program

AFC Insurance

444 Beach 129th St., Belle Harbor, NY 11692 Phone: (877) 247-9772, Fax: (866) 566-8424 schoolbusny@5starsp.com www.5starsp.com 1230 E. Diehl Rd., Ste. 350, Naperville, IL 60563 Phone: (866) 879-6565, Fax: (866) 720-5003 dando@5starsp.com www.5starsp.com 158 N. Harbor City Blvd., Melbourne, FL 32935 Phone: (877) 247-9772, Fax: (321) 757-6147 autodealers@5starsp.com www.5starsp.com

5Star Non-Trucking Liability Program

158 N. Harbor City Blvd., Melbourne, FL 32935 Phone: (877) 247-9772, Fax: (321) 757-6145 nontrucking@5starsp.com www.5starsp.com

5Star Paratransit Program

444 Beach 129th St., Belle Harbor, NY 11694 Phone: (877) 247-9772, Fax: (866) 566-8424 paratransit@5starsp.com www.5starsp.com

5Star Public Auto & 5Star Trucking Program

3101 Emrick Blvd., Ste. 318, Bethlehem, PA 18020 Phone: (877) 456-5323, Fax: (610) 974-8574 dina.tristani@afcins.com www.afcins.com

Affinity Nonprofits

1120 20th St. NW, Ste. 600, Washington, DC 20036 Phone: (800) 432-7465, Fax: (800) 701-1982 info@affinitynonprofits.com www.affinitynonprofits.com For more info, see our ad on pages 5 & 21 (National).

AFG Partners

5Star Workers’ Compensation Services

Agricultural Insurance Mgmt Svcs.

183 Davis St., Douglas, MA 01516 Phone: (508) 476-1990, Fax: (508) 476-1991 info@agencyint.com www.agencyint.com

AAU, A division of USG Insurance Services 1000 Town Center Way, Ste. 300 Canonsburg, PA 15317 Phone: (724) 754-9052, Fax: (724) 754-9011 ckochman@aauins.com www.aauins.com

ABC Aviation Program

906 S. Kirkwood Rd., Kirkwood, MO 63122 Phone: (314) 471-0777 stephanie_likens@theabcprogram.com www.programsins.com

1575 Boston Post Rd., Guilford, CT 06437 Phone: (203) 453-2859, Fax: (203) 453-8859 info@agencyint.com www.agencyint.com

Access E&S Insurance Services (VA)

2001 N. Lincoln St., Arlington, VA 22207 Phone: (703) 248-2566, Fax: (703) 248-2565 Tim@Access-ES.com www.Access-ES.com INSURANCEJOURNAL.COM

17771 Cowan Ave., Ste. 100, Irvine, CA 92614 Phone: (949) 263-3300, Fax: (949) 553-0406 Shirley.Pettersen@amtrustgroup.com www.AmTrustSurety.com

1 New Hampshire Ave., Ste. 200 Portsmouth, NH 03801 Phone: (603) 334-3000, Fax: (603) 334-3090 marketing.apu@amwins.com www.programs.amwins.com

AmWINS Program Underwriters

214 Senate Ave., Ste. 201, Camp Hill, PA 17011 Phone: (717) 214-7557, Fax: (717) 214-2801 ben.francavilla@amwins.com www.amwins.com/apu

Alamo Surety Bonds

2359 Austin Hwy, San Antonio, TX 78218 Phone: (210) 930-5550, Fax: (210) 930-3255 jim@alamobonds.com www.alamobonds.com

AmWINS Transportation Underwriters, Inc. 3035 S. Church St., Burlington, NC 27215 Phone: (800) 222-2407, Fax: (336) 229-6977 andrew.brown@amwins.com www.amwins.com/atu

Align General Insurance Agency, LLC

350 10th Ave., Ste. 1450, San Diego, CA 92101 Phone: (619) 333-2500 info@aligngeneral.com www.aligngeneral.com

Anderson & Murison, Inc.

800 W. Colorado Blvd., Los Angeles, CA 90041 Phone: (323) 255-2333, Fax: (323) 255-0957 jmccarthy@amqts.com www.andersonmurison.com For more info, see our ad on page 16 (National).

All Risks, Ltd.

10150 York Rd., 5th Fl, Hunt Valley, MD 21030 Phone: (800) 366-5810, Fax: (410) 828-8179 allrisksij@allrisks.com www.allrisks.com

Apartment Insurance Consultants, LLC

Allen Financial Ins. Group / The Equestrian Group

Alliant Specialty Insurance Services, Inc.

AmTrust Surety

AmWINS Program Underwriters

1496 Route 3A, Ste. 10, Bow, NH 03278 Phone: (877) 552-2467, Fax: (603) 225-9318 jlp@aimscentral.com www.aimscentral.com

12424 N. 32nd St., Ste. 101, Phoenix, AZ 85032 Phone: (800) 874-9191, Fax: (602) 992-8327 mpallante@eqgroup.com www.eqgroup.com

P.O. Box 567, San Marcos, CA 92079 Phone: (760) 471-7116, Fax: (760) 471-9378 snowell@amiscorp.com www.amisinsurance.com

See Website for Locations Headquarters - Charlotte, NC 28210 Phone: (704) 749-2700, Fax: (704) 943-9000 allison.crisafulli@amwins.com www.amwins.com

Abram Interstate Insurance Services, Inc.

2211 Plaza Dr., Ste. 100, Rocklin, CA 95765 Phone: (916) 780-7000, Fax: (916) 780-7181 media@abraminterstate.com www.abraminterstate.com For more info, see our ad on page 5 (West).

AMIS/Alliance Marketing & Insurance Services, LLC

AmWINS Group, Inc. - 100 Locations Worldwide

5 Hanover Sq., Ste. 1400, New York, NY 10004 Phone: (212) 266-0206, Fax: (212) 406-3192 ledelman@afgins.com www.afgins.com

Agency Intermediaries, Inc.

A.I.I. Insurance Brokerage of Mass., Inc.

9020 Stony Point Pkwy, Ste. 455 Richmond, VA 23236 Phone: (800) 586-6502, Fax: (804) 272-7852 ndaly@pgui.com www.americanpublicrisk.com

3250 N. 29th Ave., Hollywood, FL 33020 Phone: (954) 416-9571, Fax: (855) 289-3945 scook@advancedesgroup.com www.advancedesgroup.com

158 N. Harbor City Blvd., Melbourne, FL 32935 Phone: (877) 247-9772, Fax: (321) 757-6147 publicauto@5starsp.com trucking@5starsp.com www.5starsp.com 906 S. Kirkwood, St. Louis, MO 63122 Phone: (877) 247-9772, Fax: (314) 965-9399 workcomp@5starsp.com www.5starsp.com

496 Kings Hwy N, Cherry Hill, NJ 08002 Phone: (800) 360-2277, Fax: (856) 755-7440 agents@americancollectors.com www.AmericanCollectors.com

333 W. Wacker Dr., Ste. 1950, Chicago, IL 60606 Phone: (866) 867-0505, Fax: (855) 301-8177 quote@advancede-s.com www.advancedesgroup.com

7000 N. Mopac Expy, Ste. 250, Austin, TX 78731 Phone: (512) 467-7299, Fax: (512) 452-7288 amandas@aicinsure.com www.AICinsure.com

Apollo General Ins. Agency, Inc.

P.O. Box 1508, Sonoma, CA 95476 Phone: (800) 624-5829, Fax: (707) 996-7912 nikkic@apgen.com www.apgen.com

P.O. Box 609015, San Diego, CA 92160 Phone: (858) 505-4011, Fax: (858) 505-4074 marketing@alliantspecialty.com www.alliantspecialty.com

DECEMBER 4, 2017 NATIONAL | INSURANCE JOURNAL | 75

2017 Annual Program Directory Volume II – Alphabetical Directory of Markets Appalachian Underwriters, Inc.

Atlas General Insurance Services

Appleby & Sterling

Axon Underwriting, LLC

800 Oak Ridge Turnpike, Ste. A-1000 Oak Ridge, TN 37830 Phone: (888) 376-9633, Fax: (888) 871-7644 marketing@appund.com www.appund.com 2290 Agate Ct., Ste. D, Simi Valley, CA 93065 Phone: (805) 583-9828, Fax: (805) 583-9832 mike@applebyandsterling.com www.applebyandsterling.com

4365 Executive Dr., Ste. 400, San Diego, CA 92121 Phone: (877) 662-8527, Fax: (619) 814-8914 info@atlas.us.com atlas.us.com For more info, see our ad on page 19 (National). 198 W. High St., Somerville, NJ 08876 Phone: (908) 947-0867, Fax: (908) 253-8503 info@axonu.com www.axonu.com

Applied Underwriters, Inc.

701 B St., Ste. 2100, San Diego, CA 92101 Phone: (800) 669-1889, Fax: (619) 881-8695 MarketingInfo@ArrowheadGrp.com www.ArrowheadGrp.com

Artex Risk Solutions, Inc.

2850 Golf Rd., 5th Fl, Rolling Meadows, IL 60008 Phone: (630) 694-5050 artexinfo@artexrisk.com www.artexrisk.com

Ascinsure Specialty Risk

4 Gateway Ctr, 444 Liberty Ave, Ste. 400, Pittsburgh, PA 15222 Phone: (877) 372-0517, Fax: (888) 316-9016 newbusiness@ascinsure.com www.ascinsure.com Ascinsure can write your hard-to-place risks in these niche areas: Cranes- Exclusive Program; Equipment Rental & Party Goods Dealers- Exclusive Program; Scaffolding- Exclusive Program; Inland Marine. Complete coverage options, knowledgeable staff, and competitive commissions.

Ashley General Agency

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

Bass Underwriters

6951 W. Sunrise Blvd., Plantation, FL 33313 Phone: (954) 473-4488, Fax: (954) 316-3100 businessdevelopment@bassuw.com www.bassuw.com

Beacon Hill Associates, Inc.

P.O. Box 1532, Charlottesville, VA 22902 Phone: (800) 596-2156, Fax: (434) 979-8964 info@b-h-a.com www.b-h-a.com

303 W. Madison, Ste. 825, Chicago, IL 60606 Phone: (404) 443-2082, Fax: (312) 727-6060 jwyatt@berkleysum.com www.berkleysum.com/environmental.htm

Brecht & Associates

1450 Hughes Rd, Ste. 109, Grapevine, TX 76051 Phone: (817) 424-5335, Fax: (817) 424-3772 jbrecht@brechtassoc.com www.brechtassoc.com

Brightstone / A Risk Strategies Company 145 Huguenot St., New Rochelle, NY 10802 Phone: (877) 862-4755, Fax: (914) 636-0802 info@brightstoneins.com www.brightstoneins.com

Brownyard Group

21 Maple Ave., P.O. Box 9175, Bay Shore, NY 11706 Phone: (800) 645-5820, Fax: (631) 666-5723 info@brownyard.com www.brownyard.com

Aspera Insurance Services, Inc.

2221 Edward Holland Dr., Ste. 600 Richmond, VA 23230 Phone: (804) 774-2101, Fax: (804) 673-5697 marketing@asperains.com www.asperains.com

Atlas Financial Holdings:

American Country, American Service, Gateway, Global Liberty Insurance Co’s 953 American Ln., 3rd Fl, Schaumburg, IL 60173 Phone: (847) 700-8224, Fax: (847) 952-7019 marketing@atlas-fin.com www.atlas-fin.com

Builders & Tradesmen’s Insurance Services, Inc. 6610 Sierra College Blvd., Rocklin, CA 95677 Phone: (877) 649-6682, Fax: (916) 772-9292 info@btisinc.com www.btisinc.com

Burns & Wilcox - All Offices

Calco Commercial Insurance

Berkley Specialty Underwriting Managers, LLC Environmental Division

•

22 Deer St., Ste. 400, Portsmouth, NH 03801 Phone: (888) 772-5005, Fax: (603) 372-5990 raudet@buainsurance.com www.buainsurance.com

See website for addresses Headquarters - Detroit/Farmington Hills, MI 48334 Phone: (248) 932-9000, Fax: (248) 932-9046 quote@burns-wilcox.com www.burnsandwilcox.com

P.O. Box 281900, San Francisco, CA 94128 Phone: (877) 234-4450, Fax: (877) 234-4452 sales@auw.com www.auw.com For more info, check out our ad on the Back Cover and pages 2 & 3 (National).

Arrowhead General Insurance Agency, Inc.

BUA, LLC

13907 Ventura Blvd., Ste. 106 Sherman Oaks, CA 91423 Phone: (818) 906-7900, Fax: (866) 521-0617 sarkis@calcocommercialinsurance.com www.ecigaretteinsurance.com

CalSurance Associates, a Div. of Brown & Brown Program Ins. Svcs 681 S. Parker St., Ste. 300, Orange, CA 92868 Phone: (888) 492-4060, Fax: (800) 607-6875 info@calsurance.com www.calsurance.com

CAMICO

1800 Gateway Dr., Ste. 300, San Mateo, CA 94404 Phone: (800) 652-1772, Fax: (800) 227-2090 marcom@camico.com www.camico.com

Care Providers Insurance Services, LLC

16301 Quorum Rd., Ste. 100A, Addison, TX 75001 Phone: (800) 761-7072, Fax: (800) 224-7145 cps-submissions@nsminc.com www.ins-cps.com

Charity First Insurance Services, Inc.

1255 Battery St., Ste. 450, San Francisco, CA 94111 Phone: (800) 352-2761, Fax: (415) 536-4033 Riley_Binford@charityfirst.com www.charityfirst.com

ChemPlan - Chemical Insurance

8121 Vicela Dr., Sarasota, FL 34240 Phone: (800) 410-1511, Fax: (941) 379-2668 dhagan@chemplan.net www.chemplan.net

CID Insurance Programs, Inc.

7125 El Cajon Blvd., Ste. 3, San Diego, CA 92115 Phone: (800) 922-7283, Fax: (619) 593-2008 programs@cidinsurance.com www.cidinsurance.com

CITA Insurance Services, a Div. of Brown & Brown Program Ins. Svcs

Brownyard Programs, Ltd. 91 E. Main St., Bay Shore, NY 11706 Phone: (631) 581-9300, Fax: (631) 581-9385 info@brownyardprograms.com www.brownyardprograms.com

We are Program Administrators focused exclusively on the Private Security Industry. We provide General/Professional Liability, Foreign Liability, Excess/Umbrella Liability, Workers’ Comp & Crime to Security Guard, Private Investigation, Background Screening, Security Consultant, Armored Car, Burglar/Fire Alarm & CCTV/Access Control Companies throughout the U.S.

76 | INSURANCE JOURNAL | NATIONAL DECEMBER 4, 2017

681 S. Parker St., Ste. 300, Orange, CA 92868 Phone: (888) 594-4095, Fax: (714) 978-2692 inquiries@citainsurance.com www.citainsurance.com

Citadel Insurance Services, LC 826 E. State Rd., Ste. 100 American Fork, UT 84003 Phone: (801) 610-2700, Fax: (801) 610-2701 info@citadelus.com www.citadelus.com

INSURANCEJOURNAL.COM

2017 Annual Program Directory Volume II â&#x20AC;&#x201C; Alphabetical Directory of Markets Coastal Insurance Underwriters, Inc.

P.O. Box 3140, Ponte Vedra Beach, FL 32004 Phone: (904) 285-7683, Fax: (904) 395-0038 info@ciuins.com www.ciuins.com

Construction Insurance Partners

308 N. 21st St., Ste. 200, St. Louis, MO 63103 Phone: (314) 554-9754, Fax: (314) 342-7170 johnc@cip-stl.com www.cip-stl.com

Construction Insurance Solutions

150 E. 22nd St., Lombard, IL 60148 Phone: (800) 842-3653, Fax: (630) 705-1056 byron@normanspencer.com www.constructioninsurancesolutions.com

Consumer Specialties Insurance Co. (RRG)

8300 Greensboro Dr., Ste. 980, McLean, VA 20006 Phone: (703) 827-2277, Fax: (703) 827-2279 nchanduvi@amesgough.com www.csiplus.com

Continental Brokers, Inc.

212 Key Dr., Ste. A, Madison, MS 39110 Phone: (866) 386-4136, Fax: (601) 898-4793 cs@continentalbrokers.biz www.continentalbrokers.biz

Continental Underwriters, Inc.

4901 Dickens Rd., Ste. 110, Richmond, VA 23230 Phone: (804) 643-7800, Fax: (804) 643-5800 preston@contund.com www.contund.com

CTC Transportation Insurance Services LLC

611 W. Fort Scott St., Butler, MO 64730 Phone: (760) 487-7399, Fax: (760) 487-7401 info@coast-ins.com www.coast-ins.com For more info, see our ad on pages 12 & 13 (National). P.O. Box 2045, Houston, TX 77252 Phone: (713) 570-2700, Fax: (713) 570-2800 billf@deltains.com www.deltains.com

A pillar of strength. Since 1901. A member of the

Distinguished Programs

1180 Ave. of the Americas, 16th Fl New York, NY 10036 Phone: (212) 297-3100, Fax: (212) 297-3130 marketing@distinguished.com www.distinguished.com

CPA Protector Plan

655 North Franklin St., Ste. 1800, Tampa, FL 33602 Phone: (800) 438-1263, Fax: (813) 222-4165 cpa@bbprograms.com www.cpaprotectorplan.com

CRC Insurance Services - All Offices

See Website for Locations Corporate Headquarters - Birmingham, AL 35209 Phone: (205) 870-7790, Fax: (205) 879-3739 marketing@crcins.com www.crcins.com

Crouse & Associates

1350 E. Touhy Ave., Ste 200W, Des Plaines, IL 60018 Phone: (847) 768-2562 pvaulman@foundersinsurance.com https://myweb.foundersagents.com/default.aspx

330 Tennant Ave., Morgan Hill, CA 95037 Phone: (800) 877-2525, Fax: (408) 778-9277 info@dmi-insurance.com www.dmi-insurance.com

Founders Specialty

1101 E. Jackson St., Tampa, FL 33602 Phone: (813) 999-8090 stephen.vanwert@foundersspecialty.com www.foundersspecialty.com

Fox Point Programs

3001 Philadelphia Pike, Claymont, DE 19703 Phone: (800) 499-7242, Fax: (302) 472-8529 info@foxpointprg.com www.foxpointprg.com

Empire Underwriters, LLC

12300 Race Track Rd., Tampa, FL 33626 Phone: (800) 758-8113, Fax: (813) 448-9310 quotes@empireunderwriters.com www.empireunderwriters.com

Freberg Environmental, Inc.

G.J. Sullivan Company (Orange)

2400 E. Katella Ave., Ste. 500, Anaheim, CA 92806 Phone: (714) 221-9530, Fax: (714) 876-2280 meskod@es.gjs.com www.gjsullivan.com

Gateway Specialty Insurance

Equisure, Inc.

Gerald J. Wilkoff, Inc.

Euclid Architects & Engineers

GMI Insurance Services

Euclid Public Sector

Gorst & Compass Insurance

13790 E. Rice Pl., Ste. 100, Aurora, CO 80015 Phone: (800) 752-2472, Fax: (303) 614-6967 info@equisure-inc.com www.equisure-inc.com 234 Spring Lake Dr., Itasca, IL 60143 Phone: (630) 238-1900, Fax: (630) 773-8590 mail@euclidae.com www.euclidae.com 234 Spring Lake Dr., Itasca, IL 60143 Phone: (630) 238-1900, Fax: (630) 773-8590 mail@euclidps.com www.euclidps.com

Evolution Insurance Brokers

Crusader Insurance Company

Financial Risk Solutions, Inc.

INSURANCEJOURNAL.COM

2000 S. Colorado Blvd., Tower II, Ste. 800 Denver, CO 80222 Phone: (800) 377-4152, Fax: (303) 623-8101 info@feiinsurance.com www.feiinsurance.com

8285 SW Nimbus Ave., Ste. 190 Beaverton, OR 97008 Phone: (503) 977-3333, Fax: (503) 977-3334 info@eiains.com www.eiains.com

650 California St., Ste. 1100 San Francisco, CA 94108 Phone: (415) 982-3870, Fax: (415) 982-2546 info@crousesf.com www.crouseandassociates.com 26050 Mureau Rd., Calabasas, CA 91302 Phone: (800) 669-9800, Fax: (818) 591-9856 dklayman@crusaderinsurance.com www.crusaderinsurance.com

Utica National Insurance Group

Founders Insurance Company

DMI Insurance Services

Environmental Insurance Agency (EIA)

210 Hudson St., 6th Fl, Jersey City, NJ 07311 Phone: (201) 356-0057, Fax: (201) 356-0055 khegel@frenkel.com www.frenkel.com/cosmetic-insurance.html For more info, see our ad on pgs 23 & 25 (National).

4 W. Main St., Ste. 600, Springfield, OH 45502 Phone: (800) 833-5912, Fax: (937) 323-0787 mark.nies@insurmark.com www.floodwatchins.com

Delta General Agency Corp.

Empire Underwriters is a National Managing General Agency, Insurance Wholesaler, Excess and Surplus lines facility and Program Manager serving Producers in 46 states. Whether a Niche Account or Main Street Business, Empire has New Online Raters providing you with instant quotes and indications.

Cosmetic Insurance Services, a Division of Frenkel & Company

Floodwatch

8722 S. Harrison St., Salt Lake City, UT 84070 Phone: (877) 678-7342, Fax: (801) 304-5551 quotes@eibdirect.com www.eibdirect.com 180 N. LaSalle St., Ste. 3700, Chicago, IL 60601 Phone: (866) 674-9503, Fax: (630) 371-0162 jwilson@financialrs.com www.financialrs.com

1170 Devon Park Drive, Wayne, PA 19087 Phone: (877) 977-4474, Fax: (610) 254-1855 info@gatewayspecialty.com www.gatewayspecialty.com 95 Main St., Mineola, NY 11501 Phone: (516) 747-0200, Fax: (516) 747-2021 info@wilkoffbonds.com www.wilkoffbonds.com P.O. Box 701, Valley Forge, PA 19482 Phone: (610) 933-4679, Fax: (610) 933-4993 karen@gmi-insurance.com www.gmi-insurance.com 9310 Topanga Canyon Blvd., Chatsworth, CA 91311 Phone: (818) 507-0900, Fax: (818) 507-1133 mail@gorstcompass.com www.gorstcompass.com For more info, see our ad on page 9 (West).

Gray-Stone & Co.

275 E. Hillcrest Dr., Ste. 250 Thousand Oaks, CA 91360 Phone: (805) 494-4440, Fax: 805294985 hstone@gray-stone.com www.gray-stone.com

DECEMBER 4, 2017 NATIONAL | INSURANCE JOURNAL | 77

2017 Annual Program Directory Volume II – Alphabetical Directory of Markets Great American Insurance Group - Executive Liability Division

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

Great American Insurance Group, Specialty Human Services 301 E. 4th St., 23rd Fl, Cincinnati, OH 45202 Phone: (866) 424-4758, Fax: (888) 513-5593 clwood@gaig.com www.SpecialtyHumanServices.com

Greene & Associates

400 Quaker Rd., East Aurora, NY 14052 Phone: (716) 805-1090, Fax: (716) 805-1099 kburch@whgreene.com www.whgreene.com

Gridiron Insurance Underwriters, Inc. 300 S. Pine Island Rd., Ste. 109 Plantation, FL 33324 Phone: (954) 331-3000 ddemott@gridironins.com www.gridironins.com

Griffin General Agency, Inc.

363 N. Sam Houston Pkwy E, Ste. 1000 Houston, TX 77060 Phone: (281) 820-0555, Fax: (281) 820-0688 info@gga-mga.com www.griffingeneralagency.com

Grundy Insurance

P.O. Box 1957, Horsham, PA 19044 Phone: (877) 338-4004, Fax: (215) 674-5716 clint@grundy.com www.grundy.com/utility

Guardian Insurance Wholesalers, Inc.

P.O. Box 119, Leitchfield, KY 42755 Phone: (270) 230-0340, Fax: (270) 230-0344 dlhuff@guardian-ins.com www.guardian-ins.com

Hagerty Insurance

141 Rivers Edge Dr., Traverse City, MI 49684 Phone: (800) 747-5348, Fax: (231) 941-8227 agent@hagerty.com www.hagertyagent.com

Herbert H. Landy Insurance 75 Second Ave., Needham, MA 02494 Phone: (800) 336-5422, Fax: (800) 344-5422 johnt@landy.com www.landy.com

Hotels & Resorts Insurance Program - CITA Insurance Services 681 S. Parker St., Ste. 300, Orange, CA 92868 Phone: (800) 690-4841, Fax: (714) 939-7437 sbaxter@citainsurance.com www.citainsurance.com

IAAC, Inc.

5784 Widewaters Pkwy, Dewitt, NY 13214 Phone: (800) 962-7950, Fax: (888) 431-1126 bbixby@iiabny.org www.iiabny.org

Innovative Coverage Concepts

IT Risk Managers, Inc.

Innovative Risk Solutions

Izzo Insurance Services, Inc.

Ins.Center for Building Materials (ICBM)

J.M. Wilson

Insurance Center Special Risks, Ltd.

JD Fulwiler & Company Insurance

Insurmark, a Div. of Financial & Professional Risk Solutions, Inc.

JM Assoc / Burnham + Co, a Div. of Hub Int’l Northeast, Ltd.

Insurtec Tanning and Spa Insurance

JM Associates / Burnham + Company

Intercorp, Inc.

Joseph Chiarello & Co., Inc.; Firearms Business Insurance Program

8 Wood Hollow Rd., Parsippany, NJ 07054 Phone: (877) 615-5488 robertc@innocov.com www.innocov.com P.O. Box 530210, DeBary, FL 32753 Phone: (954) 931-4795, Fax: (866) 847-5565 jwatt@irs-incorporated.com www.irs-incorporated.com 515 S. Figueroa St., Ste 600, Los Angeles, CA 90071 Phone: (213) 439-3400 jtaylor@icbuildingmaterials.com www.icbuildingmaterials.com 20 Gold St, Agawam, MA 01001 Phone: (888) 773-7475, Fax: (413) 781-0050 info@specilarisksltd.com www.specialrisksltd.com

Phone: (800) 833-5912, Fax: (937) 323-0787 sharon.gulvas@Insurmark.com casey.j.castagna@insurmark.com www.insurmark.com P.O. Box 25, Rich Hill, MO 64479 Phone: (800) 606-0621, Fax: (417) 395-2713 info@insurtecinc.com www.insurtecinc.com 1438-F W. Main St., Ephrata, PA 17522 Phone: (717) 721-3500, Fax: (717) 721-3515 info@intercorpinc.net www.intercorpinc.net

Interline Insurance Services

4 Centerpointe Dr., Ste. 300, La Palma, CA 90623 Phone: (800) 229-8790, Fax: (562) 356-0293 susan.scurti@meadowbrook.com www.interlineinsurance.com

International Excess Companies

3700 Park East Dr., Ste. 250, Beachwood, OH 44122 Phone: (800) 937-3497, Fax: (216) 342-7442 kennethkukral@intlxs.com www.intlxs.com

International Transportation & Marine Agency

7835 E. Evans Rd., Bldg 300, Scottsdale, AZ 85260 Phone: (480) 556-0200, Fax: (480) 556-0201 info@itmagency.com www.itmagency.com

Irving Weber Associates, Inc. (IWA)

180 E. Main St., Ste. 208, Smithtown, NY 11787 Phone: (855) 661-4557, Fax: (888) 622-0414 info@iwains.com www.iwains.com

150 S. Bloomingdale Rd., Bloomingdale, IL 60108 Phone: (800) 800-1704, Fax: (630) 582-2803 Info@IzzoInsurance.com www.IzzoInsurance.com 8036 Moorsbridge Rd., Portage, MI 49024 Phone: (800) 282-8113, Fax: (269) 327-2620 cbaldwin@jmwilson.com www.jmwilson.com 5727 SW Macadam, Portland, OR 97239 Phone: (503) 293-8325, Fax: (503) 293-5418 info@jdfulwiler.com www.jdfulwiler.com

One Bridge Plaza N, Fort Lee, NJ 07024 Phone: (201) 585-6500, Fax: (201) 585-6590 john.tateossian@hubinternational.com www.elevatorinsurance.com

One Bridge Plaza N, Ste. 445, Fort Lee, NJ 07024 Phone: (201) 585-6521, Fax: (201) 585-6590 Bruce.Rector@hubinternational.com www.ElevatorInsurance.com

25 DeForest Ave., Ste. 208, Summit, NJ 07901 Phone: (800) 526-2199, Fax: (908) 473-0110 info@jcinsco.com www.guninsurance.com

K&K Insurance Group, Inc.

1712 Magnavox Way, Ft. Wayne, IN 46804 Phone: (800) 637-4757, Fax: (260) 459-5800 kk.general@kandkinsurance.com www.kandkinsurance.com

KBK Insurance Group, Inc.

1425 Sams Ave., Harahan, LA 70123 Phone: (504) 736-0690, Fax: (504) 736-9030 kylemurray@kbkinsgroup.com www.kbkinsgroup.com

Keith D. Peterson & Company, Inc.

708 Milam St., Ste. 300, Shreveport, LA 71101 Phone: (318) 221-0547, Fax: (318) 424-7516 ecpeterson@keithdpeterson.com www.keithdpeterson.com

Kevin Davis Insurance Services

800 W. Sixth St., Ste. 1700, Los Angeles, CA 90017 Phone: (877) 807-8708, Fax: (213) 477-2057 sbranson@kdins.com www.kdisonline.com

KF&B Program Managers Insurance Services

425 W. Broadway, Ste. 308, Glendale, CA 91204 Phone: (818) 242-5100, Fax: (818) 242-6800 czallo@kfbins.com www.kfbins.com

Indemnity Excess & Surplus Agency, Inc.

1915 NW AmberGlen Pky, Ste. 450 Beaverton, OR 97006 Phone: (800) 487-2442, Fax: (503) 526-9700 jimh@ies-xs.com www.ies-xs.com

4225 Okemos Rd., Ste. B, Okemos, MI 48864 Phone: (517) 381-9909, Fax: (517) 908-9798 info@itriskmanagers.com www.ITRiskmanagers.com

Irwin Siegel Agency, Inc.

25 Lake Louise Marie Rd., Rock Hill, NY 12775 Phone: (800) 622-8272, Fax: (845) 796-3661 siegel@siegelagency.com www.siegelagency.com

78 | INSURANCE JOURNAL | NATIONAL DECEMBER 4, 2017

King Insurance Support Systems

31381 Rancho Viejo Rd., Ste. 101, San Juan Capistrano, CA 92675 Phone: (800) 488-4096, Fax: (949) 488-2259 Marketing@kinginsuranceca.com www.kinginsuranceca.com INSURANCEJOURNAL.COM

2017 Annual Program Directory Volume II â&#x20AC;&#x201C; Alphabetical Directory of Markets Lancer Indemnity Company

MiniCo Insurance Agency, LLC

370 West Park Ave., Long Beach, NY 11561 Phone: (516) 825-2800, Fax: (516) 825-1947 clp@lancerinsurance.com www.lancerinsurance.com

10851 N. Black Canyon Hwy, Ste. 200 Phoenix, AZ 85029 Phone: (800) 447-8383, Fax: (602) 861-1094 customercare@minico.com www.minico.com

Lancer Insurance Company

370 W. Park Ave., Long Beach, NY 11561 Phone: (516) 431-6200, Fax: (516) 431-0488 commauto@lancerinsurance.com www.lancerinsurance.com

Lee & Mason

195 Farmington Ave., Ste. 301 Farmington, CT 06032 Phone: (860) 677-0500, Fax: (860) 677-1227 lindab@leeandmason.com www.leeandmason.com

LIG Marine Managers

111 2nd Ave. NE, Ste. 1101, St. Petersburg, FL 33701 Phone: (727) 578-2800, Fax: (727) 578-9977 KLT@LIGMarine.com www.LIGMarine.com

Logic Underwriters, Inc.

P.O. Box 600249, Dallas, TX 75360 Phone: (214) 739-0071, Fax: (214) 739-0072 paul@logicinsurance.com www.logicinsurance.com

M.J. Hall & Company, Inc.

Monarch E&S Insurance Services

222 S. Riverside Plaza, Ste. 2340, Chicago, IL 60606 Phone: (312) 559-9348, Fax: (312) 559-0930 joem@maxib.com www.maxib.com

2540 Foothill Blvd., Ste. 101, La Crescenta, CA 91214 Phone: (818) 249-0100, Fax: (818) 249-1166 monarchxs@monarchexcess.com www.monarchexcess.com For more info, see our ad on page 3 (West).

Maxum Specialty Insurance Group

Monitor Liability Managers

McLeckie Insurance Group

National Advantage Insurance Services, Inc.

Meridian Finance Group

National Indemnity Company

MAXIMUM

3655 N. Point Pkwy, Ste. 500, Alpharetta, GA 30005 Phone: (678) 597-4732, Fax: (678) 597-4501 bjenks@mxmsig.com www.mxmsig.com/index.aspx

233 S. Wacker Dr., Ste. 3900, Chicago, IL 60606 Phone: (312) 800-6200, Fax: (312) 207-1839 contactus@monitorliability.com www.monitorliability.com PO Box 1065, Tustin, CA 92781 Phone: (714) 505-1015, Fax: (714) 505-1025 clifford@naisins.com www.naisins.com

P.O. Box 770, Naples, TX 75568 Phone: (903) 897-9090, Fax: (760) 462-1696 Bill@mcleckie.com www.mcleckie.com

1314 Douglas, Ste. 1400, Omaha, NE 68102 Phone: (402) 916-3000, Fax: (402) 916-3030 info@nationalindemnity.com www.nationalindemnity.com

1247 7th St., Ste. 200, Santa Monica, CA 90401 Phone: (310) 260-2130, Fax: (310) 260-2140 gmendell@meridianfinance.com www.meridianfinance.com

P.O. Box 192, Stockton, CA 95201 Phone: (209) 948-8108, Fax: (209) 465-3843 staceys@mjhallandcompany.com www.mjhallandcompany.com For more info, see our ad on page 13 (West).

National Insurance Underwriters

M.J. Kelly Company

NBIS

4415 E. State Highway D, Springfield, MO 65809 Phone: (800) 725-7211, Fax: (417) 883-7103 SSmart@mjkelly.com www.mjkelly.com

MacAfee & Edwards, Inc. - Mexican Insurance Specialist

800 S. Figueroa St., Ste. 790, Los Angeles, CA 90017 Phone: (213) 629-9777, Fax: (213) 629-9779 juan@mexicard.com www.macafeeandedwards.com

Maritime Program Group

P.O. Box 969, Westbrook, CT 06498 Phone: (800) 366-8086, Fax: (860) 399-3695 dpesce@maritimepg.com www.maritimepg.com

Mark D. Fredricksen Insurance Services

3390 University Ave., Ste. 300, Riverside, CA 92501 Phone: (800) 669-4347, Fax: (951) 929-3574 markf@fredricksenins.com www.fredricksenins.com

Markel Personal Lines

P.O. Box 906, Pewaukee, WI 53072 Phone: (262) 548-9880, Fax: (262) 547-9436 maicmarketing@markelcorp.com www.markelmarine.com

800 Yamato Rd., Ste. 100, Boca Raton, FL 33431 Phone: (888) 899-3606, Fax: (561) 226-1123 ccalver@niuw.com www.niuw.com

MexiPass International Insurance Services, LLC P.O. Box 60727, Pasadena, CA 91116 Phone: (800) 639-4727, Fax: (800) 639-4329 jorge@mexipass.com www.mexipass.com

MG Skinner & Associates

11030 Santa Monica Blvd, #207, Los Angeles, CA 90025 Phone: (310) 478-5041, Fax: (310) 479-8707 Rskinner@mgskinner.com www.mgskinner.com

3817 NW Expressway, Ste. 1000 Oklahoma City, OK 73112 Phone: (800) 800-4007, Fax: (405) 840-5432 marketing@midman.com www.midlandsmgt.com For more info, see our ad on page 7 (S. Central).

Markel Specialty

4600 Cox Rd., Glen Allen, VA 23060 Phone: (800) 431-1270, Fax: (804) 965-1689 eservice@markelcorp.com www.markelinsurance.com

INSURANCEJOURNAL.COM

Negley Associates

MexiPass is the leading Managing General Agent in the USA for placement of insurance in Mexico. MexiPass products include Commercial Lines & Personal Lines for the needs of Americans in Mexico and other foreign Countries.

Midlands Management Corp.

2859 Paces Ferry Rd. SE, 800 Overlook III Atlanta, GA 30339 Phone: (770) 257-1777, Fax: (770) 257-1500 contactus@nbis.com www.NBIS.com 103 Eisenhower Pkwy, Ste. 101, Roseland, NJ 07068 Phone: (973) 830-8500, Fax: (973) 830-8585 info@jjnegley.com www.jjnegley.com

NeitClem Wholesale Insurance Brokerage, Inc. 7442 N. Figueroa St., Los Angeles, CA 90041 Phone: (323) 258-2600, Fax: (323) 258-2676 jcenteno@neitclem.com www.neitclem.com

New Empire Group

214 W. Park Ave., Long Beach, NY 11561 Phone: (516) 431-8300, Fax: (516) 431-5351 jimo@newempiregroup.com www.newempiregroup.com

NIF Group, Inc. Midwestern Insurance Alliance, LLC

P. O. Box 436909, Louisville, KY 40253 Phone: (619) 450-1739, Fax: (502) 426-7067 tbailey@mwiainsurance.com www.midwesterninsurance.com

30 Park Ave., Manhasset, NY 11030 Phone: (516) 365-7440, Fax: (516) 365-7392 marketing@nifgroup.com www.nifgroup.com

DECEMBER 4, 2017 NATIONAL | INSURANCE JOURNAL | 79

2017 Annual Program Directory Volume II – Alphabetical Directory of Markets Nonprofits Insurance Alliance Group

P.O. Box 8507, Santa Cruz, CA 95061 Phone: (800) 359-6422, Fax: (831) 459-0853 psattari@insurancefornonprofits.org www.insurancefornonprofits.org

Norman-Spencer Agency, Inc.

8075 Washington Village Dr., Dayton, OH 45458 Phone: (800) 543-3248, Fax: (937) 432-1635 info@norman-spencer.com www.norman-spencer.com

Norman-Spencer International, Inc.

150 E. 22nd St., Lombard, IL 60148 Phone: (630) 705-4140, Fax: (630) 705-1056 gretchen@normanspencer.com www.normanspencer.com

NSM Insurance Group

555 North Ln, Ste. 6060, Conshohocken, PA 19428 Phone: (610) 941-9877, Fax: (610) 941-9889 ckwiatkowski@nsminc.com www.nsminc.com

Number One Insurance Agency

91 Cedar St., Milford, MA 01757 Phone: (508) 634-2902, Fax: (508) 634-2930 info@massagent.com www.massagent.com

OneBeacon Government Risks

8000 W IH 10, Ste. 901, San Antonio, TX 78230 Phone: (781) 332-8505, Fax: (781) 332-8525 byork@onebeacongov.com www.onebeacongov.com

Oryx Insurance Brokerage, Inc.

2 Court Street, Binghamton, NY 13901 Phone: (607) 724-0173, Fax: (607) 724-7266 marketing@oryxinsurance.com www.oryxinsurance.com

Parcel Insurance Plan

Pennsylvania Lumbermens Mutual Insurance Co. One Commerce Sq., 2005 Market St., Ste. 1200 Philadelphia, PA 19103 Phone: (800) 752-1895, Fax: (215) 625-9097 custserv@plmins.com www.plmins.com

PEO Brokers Group

P.O. Box 720514, Oklahoma City, OK 73172 Phone: (877) 810-9355 swbrown@peobrokersgroup.com www.peobrokersgroup.com

Personal Safeguards Group, LLC

830 W. Route 22, Ste. 151, Lake Zurich, IL 60047 Phone: (847) 275-8497 mike@personalsafeguards.com personalsafeguardsgroup.com

Philadelphia Insurance Companies 231 Saint Asaphs Rd., Ste. 100 Bala Cynwyd, PA 19004 Phone: (800) 873-4552, Fax: (610) 617-7940 phlysales@phly.com www.phly.com

Philadelphia Insurance Companies, a Member of the Tokio Marine Group, designs, markets, and underwrites commercial property/casualty and professional liability insurance products incorporating value added coverages and services for select industries. For more info, see our ad on page 9 (National).

Pioneer Underwriters

48 Wall Street, 17th Floor, New York, NY 10005 Phone: (646) 923-9931, Fax: (646) 923-9921 stephen.sitterly@pioneeruw.com www.pioneeruw.com

P.O. Box 803143, Dallas, TX 75380 Phone: (972) 239-1458, Fax: (972) 233-3487 corky.ellis@patriotnational.com www.patriotnational.com

Preferred Property Programs 960 Holmdel Rd., Bldg 1, Holmdel, NJ 07733 Phone: (888) 548-2465, Fax: (732) 946-0547 info@ppp-quotes.com www.ppp-quotes.com

Specializing in the commercial real estate maketplace. We offer umbrellas for Condos, HOA’S, PUD’S, Apartments and Timeshare Associations. We also offer umbrellas and boiler and machinery coverage for commercial lessors risk only (LRO)

Paul Hanson Partners Specialty Ins. Solutions/ Mover’s Choice Program P.O. Box 5990, Napa, CA 94581 Phone: (800) 852-1968, Fax: (707) 252-5905 coryt@paulhanson.com www.paulhanson.com

9020 Stony Point Pkwy., Ste. 455 Richmond, VA 23235 Phone: (800) 586-6502, Fax: (804) 272-7852 ndaly@pgui.com www.pgui.com

Professional Insurance Concepts (Formerly Crump Prof. Concepts) 105 Eisenhower Pkwy., Roseland, NJ 07068 Phone: (973) 461-2181, Fax: (973) 364-9629 DGriffin@ProInsConcepts.com www.ProInsConcepts.com

5802 Thunderbird, Bldg 10, Ste. 100 Lago Vista, TX 78645 Phone: (800) 761-7547, Fax: (512) 327-5834 underwriting@plisinc.com www.plisinc.com

Professional Program Insurance Brokerage 371 Bel Marin Keys Blvd., Novato, CA 94949 Phone: (415) 475-4300, Fax: (415) 475-4303 info@ppibcorp.com www.ppibcorp.com

Program Brokerage Corporation

5 Bryant Park, 4th Floor, New York, NY 10018 Phone: (866) 607-8370, Fax: (212) 338-2910 info@programbrokerage.com www.programbrokerage.com

Program Risk Specialists

3025 Windward Plaza, Ste. 400 Alpharetta, GA 30005 Phone: (678) 802-4032, Fax: (770) 396-7699 jware@geneseeins.com www.programrisks.com 1 E. Wacker Dr., Ste. 1920, Chicago, IL 60601 Phone: (312) 262-3334, Fax: (312) 262-3301 zelbert@promontadvisors.com www.promontadvisors.com

ProSurance Group, Inc.

2685 Marine Way, Ste. 1408 Mountain View, CA 94043 Phone: (650) 428-0818, Fax: (650) 428-0860 financialservices@prosurancegroup.com www.prosurancegroup.com

ProWriters

41 Leopard Rd., Ste. 301, Paoli, PA 19301 Phone: (484) 321-2335, Fax: (484) 321-2339 info@prowritersins.com www.prowritersins.com

Quadrant Insurance Managers

Patriot Underwriters, Inc.

401 E. Las Olas Blvd., Ft. Lauderdale, FL 33301 Phone: (954) 670-2900, Fax: (954) 252-3758 marketing@patnat.com www.patriotunderwriters.com

Professional Governmental Underwriters

Promont Advisors, LLC

PartnerOne Environmental

Patriot National Underwriters, Inc.

321 Old Slip, 5th Fl, New York, NY 10005 Phone: (212) 401-1561, Fax: (212) 401-1548 Robert_Allen@ProPraxisIns.com www.propraxisins.com

Professional Liability Insurance Services, Inc. Underwriting Facilities

PO Box 66708, St. Louis, MO 63166 Phone: (800) 325-7390 office@pipinsure.com www.pipinsure.com P.O. Box 1532, Charlottesville, VA 22902 Phone: (800) 596-0172, Fax: (434) 979-8964 p1info@p1enviro.com www.p1enviro.com

Pro-Praxis Insurance

Prime Insurance Company

501 W. Schrock Rd., Ste. 301, Westerville, OH 43081 Phone: (614) 841-1425, Fax: (614) 841-1426 info@quadrant-us.com www.quadrant-us.com

303 W. Madison St., Ste. 2075, Chicago, IL 60606 Phone: (800) 257-5590, Fax: (877) 452-6910 RJL@primeis.com www.primeis.com An Excess and Surplus lines carrier specializing in hard to place risks for specialty liability, professional, property and casualty coverage. Rated A- by A.M. Best. Offices in Chicago and Salt Lake City.

80 | INSURANCE JOURNAL | NATIONAL DECEMBER 4, 2017

INSURANCEJOURNAL.COM

2017 Annual Program Directory Volume II – Alphabetical Directory of Markets Quaker Special Risk (Florida)

224 Datura St., Ste. 715, W. Palm Beach, FL 33401 Phone: (866) 526-1545, Fax: (561) 833-6616 fwalsh@qsr-insurance.com www.qsr-insurance.com

Quaker Special Risk (Mass.)

51 Harvard St., Worcester, MA 01609 Phone: (800) 252-8679, Fax: (508) 753-0646 kbranscombe@quakerma.com www.quakerma.com

Quaker Special Risk (New Jersey)

P.O. Box 1350, Eatontown, NJ 07724 Phone: (800) 447-4180, Fax: (732) 223-9072 creid@qsr-insurance.com www.qsr-insurance.com

Rockwood Programs, Inc.

Shelly, Middlebrooks & O’Leary, Inc. (Jacksonville)

3001 Philadelphia Pike, Claymont, DE 19703 Phone: (800) 558-8808, Fax: (302) 764-5477 karl.stukis@rockwoodinsurance.com www.rockwoodinsurance.com

208 N. Laura St., Ste. 600, Jacksonville, FL 32202 Phone: (800) 342-2498, Fax: (904) 355-7611 cviawebsite@shellyins.com www.shellyins.com

Roush Insurance Services, Inc.

P.O. Box 1060, Noblesville, IN 46061 Phone: (800) 752-8402, Fax: (317) 776-6891 info@roushins.com www.roushins.com

Shield Commercial Insurance Services

43725 Monterey Ave., Ste. A, Palm Desert, CA 92260 Phone: (760) 345-9029, Fax: (800) 345-4851 info@shieldins.net www.shieldins.net

RPS - Executive Lines Division

See Website for Locations Headquarters - Rolling Meadows, IL 60008 Phone: (866) 595-8413, Fax: (312) 922-7563 contact_us@rpsins.com www.rpsins.com

Sierra Specialty

RPS Bollinger Sports & Leisure

SIS Wholesale Insurance Services

RPS Healthcare

Smith, Bell & Thompson, Inc.

RPS PNP

South & Western General Agency, Inc.

RPS Technology & Cyber

Southern Hospitality Underwriters

Russell Bond & Co., Inc.

Southern Insurance Underwriters, Inc. CMGA

Safehold Special Risk

Southwest Energy Underwriters, Inc.

Sapphire Blue

Southwest Risk

2970 Clairmont Rd. NE, Ste. 1000 Atlanta, GA 30329 Phone: (404) 443-1037, Fax: (309) 589-3503 mike.haswell@rlicorp.com www.rlitransportation.com

SASSI - Salon & Spa Specialty Insurance

Sovereign Group Int’l, Inc.

RoamNet Insurance Marketing Programs

Scout Insurance Group, Inc.

Special Markets Ins. Consultants, An AmWINS Group Benefits Co.

Quaker Special Risk (New York)

50 Main St., Ste. 1000, White Plains, NY 10601 Phone: (800) 447-4180, Fax: (212) 244-5371 quaker@qsr-insurance.com www.qsr-insurance.com

Quirk & Company

P.O. Box 792030, San Antonio, TX 78279 Phone: (800) 299-9421, Fax: (210) 340-4075 kquirk@quirkco.com www.quirkco.com

RealCare Insurance

19310 Sonoma Hwy, Sonoma, CA 95476 Phone: (800) 996-0599, Fax: (707) 935-7142 realcare@nfp.com www.realcareprograms.com

RealProEandO

12421 Meredith Dr., Urbandale, IL 50398 Phone: (866) 486-1946 plsales.service@mercer.com www.realproeando.com

Reliable Insurance Managers

5345 Highway Blvd., Katy, TX 77494 Phone: (713) 227-7283, Fax: (281) 647-6516 r.nickels@reliableins.net www.reliableins.net

RelMark Program Managers

961 Pottstown Pike, Chester Springs, PA 19425 Phone: (800) 874-5880, Fax: (610) 321-1011 RRittersbach@relmarkgroup.com www.relmark.net

RISCO Insurance Brokerage, Inc.

60 Catamore Blvd., East Providence, RI 02914 Phone: (800) 533-3649, Fax: (401) 438-0980 pplumb@risco-inc.com www.risco-inc.com

RLI Transportation

3333 E. Concours, Bldg 9-200, Ontario, CA 91764 Phone: (877) 272-0333, Fax: (909) 987-2245 rustym@roamnetins.com www.roamnetins.com

INSURANCEJOURNAL.COM

234 Clovis Ave., Clovis, CA 93612 Phone: (559) 256-6900, Fax: (559) 256-6950 Mark@SierraSpecialty.com www.SierraSpecialty.com

150 JFK Pkwy, 4th floor, Short Hills, NJ 07078 Phone: (800) 526-1379, Fax: (973) 921-2876 deb_meslar@RPSins.com www.RPSins.com

3250 Grey Hawk, Carlsbad, CA 92010 Phone: (760) 599-7242, Fax: (866) 467-6701 info@sisinsure.com www.sisinsure.com

525 W. Van Buren, Ste. 1325, Chicago, IL 60607 Phone: (800) 766-7475, Fax: (312) 922-7563 bill_yurek@rpsins.com www.rpsins.com/healthcare

100 Bank St., Ste. 500, Burlington, VT 05401 Phone: (802) 658-4600, Fax: (802) 658-6191 willisnhprograms@willis.com www.willisprograms.com

P.O. Box 834, Poulsbo, WA 98370 Phone: (800) 275-6472, Fax: (360) 697-3688 robin_stolle@rpsins.com www.rpsins.com

P.O. Box 9015, Addison, TX 75001 Phone: (800) 492-5351, Fax: (972) 855-2970 sales@southandwestern.com www.southandwestern.com

204 Cedar St., Cambridge, MD 21613 Phone: (800) 336-5659, Fax: (410) 228-7645 TechCyber@RPSins.com www.RPSins.com/TechCyber

300 Wilson Rd., Griffin, GA 30224 Phone: (866) 916-9752, Fax: (770) 233-8125 bbrown@shuins.com www.shuins.com

295 Main St., Ste. 866, Buffalo, NY 14203 Phone: (800) 333-7226, Fax: (800) 677-6779 info@russellbond.com www.russellbond.com

4500 Mansell Rd., Alpharetta, GA 30022 Phone: (800) 568-1700, Fax: (678) 498-4610 marketing@siuins.com www.siuins.com

100 Glen Eagles Ct., Carrollton, GA 30117 Phone: (800) 842-8917, Fax: (770) 836-8563 hturner@safehold.com www.safehold.com

10707 Corporate Dr., Ste. 112, Stafford, TX 77477 Phone: (281) 313-2202, Fax: (281) 313-0215 kwendler@sweu.net www.sweu.net

180 N. Stetson Ave., 46th Floor, Chicago, IL 60601 Phone: (312) 784-6007, Fax: (312) 784-6002 nancy.mcmahon@sapphireblueuw.com www.sapphireblueuw.com 21 Maple Ave., Bay Shore, NY 11706 Phone: (888) 823-9380, Fax: (631) 666-7646 info@brownyard.com www.sassiagency.com 1575 Heritage Dr., Ste. 103, McKinney, TX 75069 Phone: (972) 332-4664, Fax: (888) 423-4094 clinton.alexander@scoutig.com www.scoutig.com

8144 Walnut Hill Ln., Ste. 1400, Dallas, TX 75231 Phone: (214) 206-4900, Fax: (214) 206-4901 info@swrisk.com www.swrisk.com 517 Rt 1 S, Ste. 3100, Iselin, NJ 08830 Phone: (732) 750-2300, Fax: (732) 750-1650 bill@sovereignins.com www.sovereignins.com

10 S. LaSalle St., Ste. 2000, Chicago, IL 60603 Phone: (800) 818-7642, Fax: (704) 943-9060 nate.walker@amwins.com www.specialmarkets.com

DECEMBER 4, 2017 NATIONAL | INSURANCE JOURNAL | 81

2017 Annual Program Directory Volume II â&#x20AC;&#x201C; Alphabetical Directory of Markets Specialty Insurance

TDC Specialty Underwriters

Specialty Programs & Facilities Mgrs, Inc. (AmWINS)

Tejas American General Agency

1610 Route 88 Ste. 102, Brick, NJ 08724 Phone: (732) 701-8900, Fax: (732) 458-3728 mwatters@specialtyagency.com www.specialtyagency.com

790 E. Colorado Blvd., Ste. 510, Pasadena, CA 91101 Phone: (626) 395-0850, Fax: (626) 395-0853 kathleen.turknette@amwins.com www.amwins.com/spfm

Sports & Fitness Insurance Corporation (SFIC) 212 Key Dr., Ste. A, Madison, MS 39110 Phone: (800) 844-0536, Fax: (601) 853-6141 askus@sportsfitness.com www.sportsfitness.com/ij

SterlingRisk Programs

135 Crossways Park Dr., 3rd Fl, Woodbury, NY 11797 Phone: (516) 719-8809, Fax: (516) 719-8809 Isterling@sterlingrisk.com www.sterlingrisk.com/programs

Sun Coast General Insurance Agency

P.O. Box 30750, Laguna Hills, CA 92654 Phone: (800) 300-8838, Fax: (949) 768-4045 jyeskin@suncoastinsurance.com www.SunCoastInsurance.com

Sunderland Insurance Services

3021 Citrus Cir., Ste. 240, Walnut Creek, CA 94598 Phone: (925) 942-4020, Fax: (925) 942-4021 casualty@sunderlandins.com www.sunderlandins.com

29 Mill Street, Unionville, CT 06085 Phone: (888) 277-3152, Fax: (888) 277-3152 submissions@tdcspecialty.com www.tdcspecialty.com 1620 La Jaita Dr., Ste. 300, Cedar Park, TX 78613 Phone: (888) 999-8242, Fax: (512) 342-2803 submissions@taga1.com www.taga1.com

Terheggen/Malone Marine Insurance

P.O. Box 90249, Long Beach, CA 90809 Phone: (562) 916-7776, Fax: (562) 916-7750 tm@tmboatinsurance.com www.tmboatinsurance.com

The American Equity Underwriters, Inc.

32nd Fl, 11 N. Water St., Mobile, AL 36602 Phone: (866) 238-8754, Fax: (251) 690-4299 aeu.marketing@amequity.com www.amequity.com

The Hanover Insurance Group

440 Lincoln St., Worcester, MA 01653 Phone: (508) 855-1000, Fax: (508) 635-1193 etrevallion@hanover.com www.hanover.com

The McGowan Companies

20595 Lorain Rd., Fairview Park, OH 44126 Phone: (800) 545-1538, Fax: (440) 333-3214 syoung@mcgowancompanies.com www.mcgowancompanies.com

UCA General Insurance Services

6363 Katella Ave., Cypress, CA 90630 Phone: (800) 222-5582, Fax: (714) 228-7855 bcolburn@ucageneral.com www.ucageneral.com

Unifax Insurance Systems, Inc.

26050 Mureau Rd., Calabasas, CA 91302 Phone: (800) 669-9800, Fax: (818) 591-9856 dklayman@crusaderinsurance.com www.crusaderinsurance.com

Universal Insurance Programs

1220 E. Osborn Rd., Phoenix, AZ 85014 Phone: (800) 844-2101, Fax: (866) 512-2272 info@uiprograms.com www.uiprograms.com

US Assure

8230 Nations Way, Jacksonville, FL 32256 Phone: (800) 800-3907, Fax: (888) 828-9427 info@usassure.com www.usassure.com

USX/S

6929 W. 130th St., Ste. 100, Cleveland, OH 44130 Phone: (800) 574-8797, Fax: (440) 888-7380 brokers@usxs.net www.USXS.net

SWBC

9311 San Pedro, Ste. 600, San Antonio, TX 78216 Phone: (210) 525-1241, Fax: (210) 321-7530 swbcinfo@swbc.com www.swbc.com

van Wagenen Financial Services

Synergy Professional Associates, Inc.

100 Passaic Ave., Ste. 145, Fairfield, NJ 07004 Phone: (973) 995-0500, Fax: (973) 995-0501 irad@synergy-ins.com www.synergy-ins.com

T.H.E. Insurance Company

10451 Gulf Blvd., Treasure Island, FL 33706 Phone: (800) 237-3355, Fax: (727) 360-3498 marketing@theinsco.com www.theinsco.com

TAPCO Underwriters, Inc.

3060 S. Church St., Burlington, NC 27216 Phone: (800) 334-5579, Fax: (336) 584-8880 KAllred@gotapco.com www.GoTAPCO.com

Target Managers Insurance Services

10161 Park Run Dr., Ste. 150, Las Vegas, NV 89145 Phone: (702) 588-5300, Fax: (702) 588-5310 mkiger@targetmanagers.com www.targetmanagers.com

Target Professional Programs

10 Tower Lane, Avon, CT 06001 Phone: (860) 899-1862, Fax: (860) 284-1113 cfoley@target-capital.com www.TargetProIns.com

TCA, Inc.

10188 Big Canoe, Jasper, GA 30143 Phone: (770) 205-2958, Fax: (770) 205-2360 carlpeterson@tca-insurance.com www.tca-insurance.com

The Mechanic Group, Inc.

One Blue Hill Plaza, Ste. 530, Pearl River, NY 10965 Phone: (845) 735-0700, Fax: (845) 735-8383 mkatz@mechanicgroup.com www.mechanicgroup.com Insurance Programs, Brokerage and Risk Management for the Security Officer, Electronic Security-Alarm, Investigation and Background Screening Industries.

tKg Wholesale Brokerage

6509 Flying Cloud Dr., Ste. 100 Eden Prairie, MN 55344 Phone: (800) 437-5171 sales@vanwagenen.com www.vanwagenen.com

VGM Specialty Underwriters

6750 Antioch Rd., Ste. 305, Merriam, KS 66204 Phone: (800) 203-3233, Fax: (866) 469-1177 glenda.dowell@vgmsu.com www.VGMSU.com

Victor O. Schinnerer & Company

Two Wisconsin Circle, Chevy Chase, MD 20815 Phone: (301) 961-9800, Fax: (301) 951-5444 vos.info@schinnerer.com www.schinnerer.com

2525 E. Camelback Rd., Ste. 800, Phoenix, AZ 85016 Phone: (602) 325-5582, Fax: (602) 325-5591 info@tkgins.com www.tkgins.com For more info, see our ad on page 17 (National).

Virtue Risk Partners, LLC

Tokio Marine/HCC

Walter General Agency (WGA)

2300 Clayton Rd., Ste. 1100, Concord, CA 94520 Phone: (925) 305-2115 jbechter@tmhcc.com www.tmhcc.com

One Blue Hill PLaza, Pearl River, NY 10965 Phone: (845) 205-0301 jvalenza@virtuerisk.com www.virtuerisk.com 273 Clarkson Rd., Ste. 102, Ellisville, MO 63011 Phone: (636) 391-4841, Fax: (636) 391-2115 newquotes@wgamo.com www.wgamo.com

U.S. Risk Insurance Group, LLC 8401 N. Central Expy, Ste. 1000, Dallas, TX 75225 Phone: (800) 232-5830, Fax: (214) 265-4976 shannon.davis@usrisk.com www.usrisk.com

82 | INSURANCE JOURNAL | NATIONAL DECEMBER 4, 2017

INSURANCEJOURNAL.COM

2017 Annual Program Directory Volume II â&#x20AC;&#x201C; Alphabetical Directory of Markets Western E&O

2155 Louisiana Blvd. NE, Ste. 10100 Albuquerque, NM 87110 Phone: (505) 837-2727, Fax: (505) 837-2828 info@westerneando.com www.westerneando.com

Woodus K. Humphrey & Co. (AmWINS)

Wrap Up Insurance Solutions

7600 Fern Ave., Bldg 500, Shreveport, LA 71105 Phone: (318) 865-2454, Fax: (318) 861-6937 jay.hanna@amwins.com www.amwins.com/wkh

16141 Swingley Ridge Rd., Chesterfield, MO 63017 Phone: (636) 489-0185, Fax: (636) 536-7473 bbillhartz@wrapupsolutions.com www.wrapupsolutions.com

www.insurancehelper.com

Western Experts in Transportation

1020 McCourtney Rd., Grass Valley, CA 95949 Phone: (855) 493-8368, Fax: (855) 493-8368 sharla@theeventhelper.com www.insurancehelper.com

P.O. Box 1835, Kingston, WA 98346 Phone: (800) 843-2430, Fax: (360) 297-4882 aperkins.fergu08@insuremail.net www.westerndwf.com

Western Security Surplus Insurance Brokers, Inc. 5800 Granite Pkwy, Ste. 300, Plano, TX 75024 Phone: (972) 702-0500, Fax: (972) 702-0504 kstevens@wssib.com www.wssib.com

Western Surplus Lines Agency, Inc.

P.O. Box 6609, Abilene, TX 79608 Phone: (800) 592-4408, Fax: (325) 695-0371 fpeck@westernsurplus.com www.westernsurplus.com

Wildlife Insurance Underwriters, LLC

212 Key Dr., Ste. A, Madison, MS 39110 Phone: (866) 386-4136, Fax: (601) 510-9119 collier@continentalbrokers.biz www.insurewildlife.com

World Wide Specialty Programs, Inc. 68 S. Service Rd., Ste. 235, Melville, NY 11747 Phone: (800) 245-9653, Fax: (631) 390-0922 dtaylor@wwspi.com www.wwspi.com

World Wide Specialty Programs, Inc. designed the first E&O policy for the staffing industry over 50 years ago. WWSPI continues to lead the market in product offerings, having the largest and broadest program for the staffing industry.

Worldwide Facilities, LLC

See Website for Locations Headquarters - Los Angeles, CA 90017 Phone: (213) 236-4500, Fax: (213) 244-9655 info@wwfi.com www.wwfi.com

Williams & Stazzone Insurance Agency, Inc. 6549 N. Wickham Rd., Melbourne, FL 32940 Phone: (800) 868-1235, Fax: (321) 868-2003 info@wsins.com www.wsins.com

Williams & Stazzone specializes in the automotive and equipment industries. We are garage liability, leasing, & rental specialists. Industry leading programs include Auto/Truck Lessors, Motorcycle Dealers, Equipment Dealers, and RV Dealers coast to coast.

INSURANCEJOURNAL.COM

DECEMBER 4, 2017 NATIONAL | INSURANCE JOURNAL | 83

Idea Exchange

The Competitive Advantage

Who Needs Insurance?

By Chris Burand

ho needs insurance? Not the perfect risk, other than for contractual and legal reasons. The perfect risk has absolutely no chance, not even remotely, of incurring a loss. If an account has almost no probability of incurring a claim, it does not need insurance. If predictive modeling identified

the extremely best risks, then why should those consumers even purchase insurance? Let’s use health insurance as an example. If DNA tests show person A is super healthy and is almost certainly likely to remain healthy for a long time, then why should person A buy health insurance? Maybe they should purchase accident insurance, but not health insurance. Or if multiple health insurers have this person’s information, then any policy written on that person will be profitable 99.9 percent of the time if the premium plus investment income exceeds the expense ratio. If insurance companies strive just for healthy people, and those likely to remain healthy, premiums will decrease by at least 50 percent, probably 75 percent, and the companies will cease to exist (unless it creates a monopoly, i.e., universal care or convincing healthy people they are not healthy). Therefore, if the consumer knows insurance is not necessary, premiums decrease to $0. If the consumer does not know but

84 | INSURANCE JOURNAL | NATIONAL DECEMBER 4, 2017

multiple carriers know, rates decrease by 75 percent barring collusion. Either way, the company ceases to exist because it is no longer provides a service that has value. Take person B. DNA shows person B will have a horrible illness requiring $200,000 of medical treatment in the next two years. Need for insurance exists. However, at normal premiums will the insurance company make money? No. At actuarially sound rates for person B, will person B likely be able to afford insurance? No.

Probability Near 100%

With DNA, predictive modeling, data-scraping and the multitude of data points combined with sophisticated algorithms, these scenarios are theoretically possible to realize today in life, health, auto, home, commercial auto, and workers’ compensation. For some lines, the probability is nearly 100 percent. In others, it may be as “low” as 50 percent, but the impact is high. What happens to insurance?

INSURANCEJOURNAL.COM

People do not need it, or they need insurance so much that it is not affordable. The middle is lost. One might argue most people will be of middling health (not true) and middling use of auto and losses will remain random, but random is just part of the equation. Going back to day two of underwriting school, the accident might be random, but to whom the accident happens is not necessarily random. The difference is monumental. Let’s assume though all is random. What happens if people likely not to incur a claim only need catastrophic insurance for that random event? The same result: very low premiums.

Round-and-Round

Insurance goes round and around because of uncertainty. Insurance is designed to protect against the uncertainty of mildly negative to horrendous events. Part of insurance is designed for frequency and part is designed to protect against full catastrophe. The more uncertainty is eliminated through knowledge or math (knowledge and math are not inherently the same), the less insurance is required. I remember hearing a televised fundamentalist minister preaching many decades ago that knowledge was sin because it eliminates the need to pray. I am not here to make a religious point, but I am here to make an insurance point. A key provision in many insurance policies is coverage for acts of God. If acts of God are predictable, therefore, avoidable, manageable or too expensive to manage but known, then insurance’s role is extinct. Insurance is for acts of God because inherent to acts of God is unpredictability. Too much knowledge eliminates uncertainty. Too much predictability creates a scenario like the Tom Cruise movie, “Minority Report.” In that movie, statisticians developed algorithms that predicted which people will commit which crime slightly prior to committing the crime. Future underwriting might be cancellations right before a claim occurs. These are issues for the industry. At the individual company level, the situation is more complex because if one carrier develops much higher quality predictive INSURANCEJOURNAL.COM

modeling algorithms than its competition, it can take advantage of its slower peers. It can also take advantage of unsuspecting consumers. Such a company can write the risks that possess almost no chance of loss but charge more. The consumers thinks they are getting a great deal when they are just paying more for less. The out-of-date competitor thinks the company’s rate is too low and the company will soon go out of business like so many predecessors, but that will not happen if the algorithm is of high enough quality. These advanced companies have an opportunity to make a lot of money not really out of brilliance, but by taking advantage of ignorance. Their window will not last, but neither will the traditional model. The industry is not sure the exact outcome, but the probability is high that rates will decrease substantially in many lines with partial offsets in other lines. For example, auto rates likely will decrease significantly, especially for the best drivers, but UM/UIM rates will likely increase because more marginal drivers will not find auto insurance affordable. Some aspects of life and disability will change to catastrophe or accident insurance for people identified as super safe. Woe will befall the late adapters because adverse selection will find these companies. With less need for insurance, the market will shrink and fewer carriers will be necessary. (The market already has too many carriers given that approximately 10 carriers have 50 percent of the market share by net written premium, 90 carriers have 87 percent of the market, and the remaining 800 to 900 carriers are fighting over the scraps of 13 percent, based on A.M. Best data.) The slow companies are more likely to become insolvent, especially if they are too slow to sell themselves versus companies that are slow to adapt but quick to realize they fell behind and now need to sell.

Good News?

What is the good news? I am not typically a fan of regulators, but insurance commissioners have a vital role to play here. Finding the balance required for the

public’s, carriers’, and agents’ best interests and technology will be hard work. We may need regulators to save the industry from too much knowledge and leave the essentials of insurance to acts of God. The more uncertainty, the greater the need for insurance. The less uncertainty, the less need, and I am not confident needing less insurance is good for society, at least not on a predictability scale. If this was due to safety innovations, then less insurance is better — but not on a predictability basis because inevitably, Mother Nature wins no matter how confident software developers and statisticians are of their models. Burand is the founder and owner of Burand & Associates LLC based in Pueblo, Colo. Phone: 719-485-3868.

Advertisers Index

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

Abram Interstate www.abraminterstate.com W5 Anderson & Murison www.andersonmurison.com 16 Aon Affinity www.aon.com 5, 21 Applied Underwriters www.auw.com 2, 3, 88 Atlas General Ins. Services www.atlas.us.com 19 Bank of Arizona www.bankofarizona.com W15 California Earthquake Authority mvp.earthquakeauthority.com 7 Colorado State Bank and Trust www.csbt.com W15 CTC Transportation Insurance Services https://insurancetruck.com 12, 13 EZLynx www.ezlynx.com 7, W11 Foremost Insurance Group www.foremoststar.com 15 Frenkel & Company www.cosmeticinsurance.com 23, 25 Golden Bear Insurance Company www.goldenbear.com W7 Gorst & Compass Insurance www.gorstcompass.com W9 Louisiana Commerce & Trade Assoc. www.lctacomp.com SC9 M.J. Hall & Company www.mjhallandcompany.com W13 Midlands Management Corporation www.midlandsmgmt.com SC6 Monarch E&S Insurance Services www.monarchexcess.com W3 Northfield Excess & Surplus Lines www.northfieldins.com W14, SC8, S4, E8, M4 PersonalUmbrella.Com www.personalumbrella.com 87 Philadelphia Insurance Companies www.phly.com 9 Texas Mutual www.texasmutual.com SC2, SC3, SC5 tKg Wholesale Brokerage www.tkgins.com 17 World Insurance Associates www.worldins.net E7

DECEMBER 4, 2017 INSURANCE JOURNAL | NATIONAL | 85

Closing Quote 7 Major Pitfalls of High Net Worth Insurance Programs that can wipe out wealth that no one can control? A large liability lawsuit caused by an injury to another person at the home, on the road or elsewhere for which the insured is liable. Most insurance companies who specialize in protecting wealthy individuals can offer up to $50 million in coverage. The average cost of a $10 million policy is about $1,250.

By Kurt Thoennessen

magine designing a program of insurance that covers multiple homes in different states and countries, incorporates estate planning strategies, covers automobiles in multiple states, valuable global collections and personal liability lawsuits that may arise. Insurance programs designed for individuals with these needs are fraught with pitfalls that could result in financial loss if the insurance is not structured properly. Seven of these potential pitfalls are described below.

Lack of protection against the risks of employing domestic staff.

Lawsuits against employers of domestic employees are becoming more prevalent, and wealthy individuals are an attractive target. In addition to employment practices exposures like harassment, wrongful termination and age discrimination, employers of domestic staff also need to abide by any legal requirements for workersâ&#x20AC;&#x2122; compensation and other statutory coverages in the state/country of employment.

Overlooking changes in the occupancy of a home. A home

to protect assets or implement tax strategies are sound estate planning tools, but these entities need to be added to the home insurance policy to avoid complications at the time of a claim.

undergoing a major renovation, an owner-occupied home that becomes a rental property and a home that remains for sale after the owner moves out all undergo changes in occupancy, which contribute to an increased risk of loss. Insurance coverage can be limited, declined or altered from what is expected if one of these situations exists at the time of loss.

No umbrella/excess liability coverage. What is the one thing

Inadequate coverage for risks on the road. Auto insurance is

Placing homes into LLCs, qualified personal residence trusts and other entities for estate planning purposes. Using trusts and LLCs

86 | INSURANCE JOURNAL | NATIONAL DECEMBER 4, 2017

Insurance programs designed for high net worth individuals are fraught with pitfalls that could result in serious financial loss if the insurance is not structured properly. complicated and even more complex for individuals with cars in different states. For example, some states limit the ability to sue for damages, and others offer discounts when health insurance covers auto-related injuries. Many people are so focused on getting a low price that they overlook coverage needed to protect themselves and their families.

Misunderstanding international property coverage differences.

Protecting from the risk of a financial loss extends beyond the borders of the insuredâ&#x20AC;&#x2122;s home country. It is important to make sure coverage obtained in a foreign country is on par with what the insured is accustomed to. This can be challeng-

ing due to differences in the insurance regulatory environment and insurance product availability.

Poor planning for catastrophe coverage. Some wealthy indi-

viduals own luxury properties located on islands, near the coast, in earthquake prone regions and other areas. Understanding the exposure to catastrophes like flooding, hurricanes and earthquakes is critical to making informed decisions about how to protect homes from these risks. Thoennessen is vice president of Ericson Insurance Advisors and a certified advisor of personal insurance (CAPI). Phone: 203-405-2645. Email: kthoennessen@ericsoninsurance.com. INSURANCEJOURNAL.COM

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