Insurance Journal West 2019-09-02 by Insurance Journal

APPLIED PROTECTS THE TITANS OF INDUSTRY. ®

Accepting large workers’ compensation risks. Most classes. All states, all areas, including New York City, Boston, and Chicago. Few capacity and concentration restrictions. Simplified financial structure covers all exposures.

EXPECT THE WINNING DEAL ON LARGE WORKERS’ COMPENSATION. Call (877) 234-4450 or visit auw.com to get a quote.

September 2, 2019 • Vol. 97 No. 17

Contents

Idea Exchange

Special Report

News & Markets

First-Half 2019 Records Drop in P/C Insurers’ Underwriting Income: A.M. Best

Spotlight: Fake Claims, Price Gouging, Bogus Contractors in Times of Disaster

10 Broker Not Liable for Late

24 Special Report:

What You Should Know Before Joining an Agency Network

Closing Quote: Deadly Weapon Protection and Crisis Response

Agency Partnerships Woven Into Agency System

Notice that Cost Illinois Firm $1.34M

2019 Professional Liability Directory

Do you think young people hired by the insurance industry today are being overpaid? No 52.54% (238 votes) Yes 31.57% (143 votes) Don't Know 15.89% (72 votes) Total Votes: 453

Departments 6 Opening Note

12 Declarations

4 | INSURANCE JOURNAL | SEPTEMBER 2, 2019

12 Figures

16 Business Moves

19 People

51 My New Markets

INSURANCEJOURNAL.COM

YOUR INSURANCE CARRIER HAS TO REALLY KNOW YOUR CLIENT’S INDUSTRY TO ACTUALLY BE THERE FOR THEM. AND YOU.

That’s what it means to specialize. And you deserve a carrier that gets that. We make it a point to know all there is to know about a wide range of industries from manufacturing and technology to real estate, life science and more. With our deep specialization, The Hartford can help you develop customized product solutions for the complex risks of your mid- to largesize clients – allowing us to be there for both of you in a way that many carriers cannot. The Buck’s Got Your Back.® TheHartford.com/specialization The Hartford® is The Hartford Financial Services Group, Inc. and its property and casualty subsidiaries, including Hartford Fire Insurance Company. Its headquarters is in Hartford, CT. 19-ML-109961 © August 2019 The Hartford

Opening Note Write the Editor: awells@insurancejournal.com

Agency System Fabric

gency partnerships have grown tremendously. Since 2013 when Insurance Journal began tracking the Top 20 Agency Partnerships, the total combined property/casualty revenue for all 20 agency networks has more than doubled. In 2013, the combined total P/C revenue for all 20 agency partnerships totaled $1,647,936,120. In 2019’s Top 20 Agency Partnership ranking (see the Aug. 5, 2019 issue of Insurance Journal), that figure reached $3,815,161,620. “Agency networks are experiencing strong growth and have not reached their full potential,” believes Steve Pearson, president of ISU Network, which ranks #2 on the list. Agencies of all sizes continue to seek out the services and clout of agency networks. “Small agencies or startups are looking for market access. Meanwhile, larger agencies have all the markets they need but often seek to join a community of sophisticated agencies similar to their own,” Pearson told Insurance Journal. Matt Masiello, CEO of SIAA, the largest agency partnership in Insurance Journal’s ranking, says networks are here to stay. But he and others know, not every one of them will make it. Networks, like agencies, are being pushed to offer more and more every day. “Simply providing market access and some local profit-sharing aggregation is now the ‘price of admission,’” Masiello told Insurance Journal. (see Special Report on page 24) “Anyone can do aggregation and agents can access markets in dozens of different models – it just depends on the model that works best for them.” Pearson says that smaller networks and clusters are finding they can’t match the results and benefits of larger professionally managed networks. “Smaller groups often have static membership and are self-managed by participating agencies - often rotating part-time management roles each year,” he said. “Often the largest agencies in these groups contribute the most premium, pay more of the expenses, contributes more of their time, and brings the majority of benefits other members enjoy.” He sees principals of larger agencies joining bigger networks where they can earn the same or more revenue without the management headaches. Whatever the case, networks are numerous and offer value and benefits that go far beyond the early days of market access. Networks have become permanently woven into the fabric of the independent agency system and the system is stronger for them.

'Agency networks are experiencing strong growth and have not reached their full potential.'

Publisher Mark Wells | mwells@wellsmedia.com Chief Executive Officer Joshua Carlson | jcarlson@insurancejournal.com

ADMINISTRATION / CIRCULATION

Chief Financial Officer Mark Wooster | mwooster@wellsmedia.com Circulation Manager Elizabeth Duffy | eduffy@wellsmedia.com Staff Accountant Sarah Kersbergen | skersbergen@wellsmedia.com

EDITORIAL

Chief Content Officer Andrew Simpson | asimpson@insurancejournal.com Editor-in-Chief Andrea Wells | awells@insurancejournal.com East Editor Elizabeth Blosfield | eblosfield@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 & Contributors Contributors: Joe Gilliland, Matt Masiello, Jim Sams

SALES / MARKETING

Chief Marketing Officer Julie Tinney | jtinney@insurancejournal.com West Sales Dena Kaplan | dkaplan@insurancejournal.com Romeo Valdez rvaldez@insurancejournal.com South Central Sales Mindy Trammell | mtrammell@insurancejournal.com Southeast and East Sales (except for NY, PA, CT) Howard Simkin | hsimkin@insurancejournal.com Midwest Sales Lisa Whalen | (800) 897-9965 x180 East Sales (NY, PA and CT only) Dave Molchan | (800) 897-9965 x145 Sales & Marketing Coordinator Ashley Berg | aberg@insurancejournal.com Advertising Coordinator Erin Burns | eburns@insurancejournal.com Insurance Markets Manager Kristine Honey | khoney@insurancejournal.com Senior Strategist Pam Simpson | psimpson@insurancejournal.com Social Media Manager Ly Short | Lshort@insurancejournal.com Marketing Administrator Gayle Wells | gwells@insurancejournal.com Marketing Director Derence Walk | dwalk@insurancejournal.com

DESIGN / WEB / VIDEO

V.P. of Design Guy Boccia | gboccia@insurancejournal.com V.P. of Technology Chris Thompson | cthompson@insurancejournal.com Ad Ops Specialist Jeff Cardrant | jcardrant@insurancejournal.com Web Developer Terrance Woest | twoest@wellsmedia.com Web Developer Ryan Kleshinski | rkleshinski@wellsmedia.com New Media Producer Bobbie Dodge | bdodge@insurancejournal.com Videographer/Editor Ashley Waldrop | awaldrop@insurancejournal.com

ACADEMY OF INSURANCE

Director Patrick Wraight | pwraight@ijacademy.com Online Training Coordinator Nathan Granitz | ngranitz@ijacademy.com

SUBSCRIPTIONS:

Call (855) 814-9547 or visit ijmag.com/subscribe Outside the US, call (847) 400-5951

Andrea Wells Editor-in-Chief 6 | INSURANCE JOURNAL | SEPTEMBER 2, 2019

Insurance Journal, The National Property/Casualty Magazine (ISSN: 00204714) is published semi-monthly by Wells Media 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 per special issue copy, $195 per year in the U.S., $295 per year all other countries. DISCLAIMER: While the information in this publication is derived from sources believed reliable and is subject to reasonable care in preparation and editing, it is not intended to be legal, accounting, tax, technical or other professional advice. Readers are advised to consult competent professionals for application to their particular situation. Copyright 2019 Wells Media Group, Inc. All Rights Reserved. Content may not be photocopied, reproduced or redistributed without written permission. Insurance Journal is a publication of Wells Media Group, Inc. POSTMASTER: Send change of address form to Insurance Journal, Circulation Dept, PO Box 708, Northbrook, IL 60065-9967 ARTICLE REPRINTS: Contact (800) 897-9965 x125 or visit insurancejournal.com/reprints

News & Markets First-Half 2019 Records Drop in P/C Insurers’ Underwriting Income; Downgrades Outpace Upgrades: A.M. Best

he U.S. property/casualty industry’s net underwriting income declined by 9.6% to $4.8 billion in the first half of 2019, compared with $5.3 billion in the same prior-year period, A.M. Best reports. Also, ongoing negative effects from the 2017-2018 catastrophes led to more P/C insurer rating downgrades during the first half than rating upgrades for the first time in five years, according to the rating organization. Net earned premiums grew by 3.8% in first-half 2019, and underwriting expenses and policyholder dividends were stable. However, this was offset by a 5.6% increase in losses and loss adjustment expenses (LAE) incurred. As a result, the combined ratio for the P/C industry weakened by one percentage point from the prior-year period to 97.4. A.M. Best estimates catastrophe losses accounted for 4.5 percentage points on the six-month 2019 combined ratio, up from an estimated 4.2 percentage points in the prior-year period. The Best’s Special Report titled, “First Look: Six-Month 2019 Property/Casualty Financial Results,” used data from companies’ six-month 2019 interim statutory statements representing an estimated 97% of the total P/C industry’s net premiums written. A $432 million increase in net investment income during first-half 2019 offset most of the underwriting decline, resulting 8 | INSURANCE JOURNAL | SEPTEMBER 2, 2019

in pre-tax operating income remaining unchanged at $33.1 billion. Due to a $1.2 billion reduction in realized capital gains, industry net income declined 2.4% from the prior-year period to $32.7 billion.

Rating Actions

In terms of ratings during the first half of this year, the commercial lines segment recorded 11 upgrades and 13 downgrades, while in the personal lines segment, upgrades totaled 10 compared with 9 downgrades. The second Best’s Special Report, “Downgrades Outpace Upgrades for the First Time in Five Years,” notes that loss-affected companies saw declines in risk-adjusted capitalization, volatility in operating performance and reassessments of the appropriateness of their enterprise risk management. Positive rating actions were driven by tighter underwriting standards that led to favorable results over several years and improved risk-adjusted capitalization. Additional factors that led to rating upgrades included recognition of a company’s enhanced importance within its organization, increased parental support and merger and acquisition (M&A) activity. Downgrades of Long-Term Issuer Credit Ratings (Long-Term ICR), as a percentage of all rating actions on U.S. P/C carriers, increased to 7.1% of total actions, up from 6.3% in the first half of 2018. Conversely,

Long-Term ICR upgrades were 6.2% of total actions, compared with 7.1% in the same prior-year period. A.M. Best took action in the first half of 2019 on the Long-Term ICRs of 680 rating units, which describes either an individual insurer or a consolidation of companies and is the financial basis on which A.M. Best performs its credit rating evaluations. The rating agency said the overwhelming majority of the rating actions were affirmations (81.7%), reflecting the overall stability of the U.S. P/C industry. The following are other findings from the report: • Included in the total number of rating changes in the first half of 2019 were the assignment of 10 P/C ratings, or 3.0% of total rating changes. Nine of the initial assigned ratings were in the commercial lines segment and involved new or recently formed companies; • The number of ratings placed under review in first-half 2019 dropped to nine from 21 in the previous year, although the number of companies placed under review in first-half 2018 was elevated due to the implementation of the updated Best’s Credit Rating Methodology; • In first-half 2019, 81.3% of the U.S. P/C industry’s credit ratings carried a stable outlook, a modest increase from the first half of 2018. A.M. Best said it has a stable market segment outlook on the personal and commercial lines segments of the U.S. P/C industry, although the analysts note that industry continues to face challenges including elevated catastrophic weather activity; rising frequency, severity and competitive issues in the automobile segment; system implementations and, in the reinsurance segment, the push for diversification and scale as M&A continues. A.M. Best also maintains a stable outlook on the reinsurance segment. INSURANCEJOURNAL.COM

News & Markets AJG Not Liable for Late Notice that Cost Illinois Firm $1.34M

By Jim Sams

n Illinois construction company that waited six years to inform its excess insurer it had been sued cannot expect coverage from that carrier, and it can’t go after the insurance brokerage that sold it the policy, a federal appellate court ruled. “Waiting five to seven years before telling an insurance company that its policy may be implicated in a suit is too long,” the U.S. Seventh Circuit Court of Appeals said. The court affirmed a ruling by the U.S. District Court in Chicago in a case titled Landmark American Insurance Co. v. Deerfield Construction. Deerfield is an Illinois construction company with 55 employees that specializes in telecommunications projects. It hired a consultant, Laurus Strategies, to ensure it complied with the insurance coverage requirements in its contracts with construction clients. Laurus referred the company to Arthur J. Gallagher Risk Management Services, which helped Deerfield purchase a $1 million commercial auto policy from American States Insurance Co. and an excess policy from Landmark with up to $10 million in coverage. 10 | INSURANCE JOURNAL | SEPTEMBER 2, 2019

A coverage dispute arose after a January 2008 accident involving Deerfield employee Sean Graff and truck driver Ryan Keeping. American States refused Keeping’s demand to settle the case for $1.25 million and counter-offered $75,000. For years, neither Deerfield, Laurus, Arthur J. Gallagher nor American States notified Landmark it might be called upon to pay damages while those negotiations were underway. The appellate court made light of American States’ “gambler spirit” by relying on its own evaluation of Keeping’s lawsuit. The carrier thought Keeping’s claim was without merit. Arthur J. Gallagher did not inform Landmark about the suit until December 2014, six weeks before the case went to trial. Landmark sent a reservation of rights letter to Deerfield. After a jury returned a $2.37 million verdict in Keeping’s favor, Landmark denied coverage because Deerfield had not reported the accident promptly as required by the policy. The court later reduced the award to $2.34 million, but that still left Deerfield owing $1.34 million. Deerfield filed suit against Landmark seeking a court order requiring it to pay for the remaining damages. It also filed suit against Arthur J. Gallagher alleging negligence and a malpractice

claim against the lawyer and law firm that American States had assigned to defend the claim, David Olmstead of the Law Offices of Meachum, Starck, Boyle & Trafman. District Court Judge Ruben Castillo dismissed the malpractice suit against the law firm and the complaint against Arthur J. Gallagher. The judge found the brokerage had no duty under Illinois law to notify Landmark of the lawsuit. Castillo declined to rule on the malpractice claim against the Meachum law firm. Since both Deerfield and the law firm are Illinois corporations, that complaint should be decided in state court, the judge ruled. Castillo noted the statute of repose in Deerfield’s complaint against the Meachum firm won’t lapse until 2020 at the earliest. Deerfield appealed to the Seventh Circuit seeking reversal of the rulings in favor of Landmark and Arthur Gallagher. But the appellate court found the district court made the right call. According to the opinion written by Chief Judge Diane P. Wood, insurance brokers have a very limited fiduciary duty to their clients under Illinois law: “The broker is liable only if negligent or when dealing with the ‘wrongful retention or misappropriation’ of certain funds,” the opinion states. The circuit court also rejected Deerfield’s argument that Landmark cannot assert a late notice defense because Arthur J. Gallagher was its agent. Under Illinois law, a brokerage is not an insurer’s agent if it performs traditional brokerage activities, such as sending bills and collecting payments, the opinion says. Deerfield had argued that if Arthur J. Gallagher was not Landmarks’ agent then it must be its agent, and if that’s so, the brokerage is liable because it failed to give proper notice to Landmark. “Deerfield has identified no Illinois cases establishing that insurance brokers have a duty to deliver notice of claims on behalf of an insured, and so its negligence claim fails,” the court said. INSURANCEJOURNAL.COM

healthy vitals ProAssurance has been monitoring risk and protecting healthcare industry professionals for more than 40 years, with key specialists on duty to diagnose complex risk exposures. Work with a team that understands the importance of delivering flexible healthcare professional liability solutions.

Healthcare Professional Liability Insurance & Risk Resource Services

800.282.6242 â&#x20AC;˘ ProAssurance.com

When you are treated fairly you are confident in your coverage.

Figures $80,000

A Providence, R.I., police officer who had been placed on leave during an investigation into his possible involvement in a tire and rim theft ring has been cleared of wrongdoing. Lewis is a five-year veteran of the force whose name was erroneously linked to the thefts of $80,000 worth of car tires and rims found in East Providence.

$15 Million The approximate amount of a settlement over a sinkhole on a San Antonio street. The family of a sheriff’s deputy who died when her personal vehicle fell into the sinkhole will share the settlement with a second motorist whose vehicle also dropped into the hole and a pedestrian who fell in. The damages will be paid by a construction company and an engineering firm hired by the San Antonio Water System to install a sewer line that failed and caused the sinkhole.

Declarations Midas Suit

“It is unfortunate that we are now adversaries in litigation instead of partners in restoration.” — Laurel Sayer, CEO of Midas Gold Idaho, a Midas Gold subsidiary, commented on a lawsuit filed by the Nez Perce Tribe to force the Canadian company to clean up an idle central Idaho mining area – which the company says it plans to do if it gets approval from U.S. officials to restart mining at the site.

12 | INSURANCE JOURNAL | SEPTEMBER 2, 2019

Insurance Fraud

“Fraud costs about 18 cents of every dollar we pay for insurance premiums. With their help – with each arrest – we can save consumers’ money.” — North Carolina Insurance Commissioner Mike Causey comments on the swearing in of four law enforcement personnel to the Criminal Investigations Reserve Unit, which was formed by Causey to combat insurance fraud cases in the state.

Kennel Safety

“This common sense law will protect pets from senseless tragedies and further our state’s commitment to animal welfare.” — Illinois Gov. J.B. Pritzker upon signing a bill requiring kennels in Illinois to be staffed and have sprinklers/alarms that ring at the firehouse. The bill responds to the death of 29 dogs in a blaze at the Bully Life Animal Services kennel in DuPage County.

INSURANCEJOURNAL.COM

If you’ve had enough, we’re here to set you free.

Changing or Canceled Contracts

Lower Profit Margins

Limited Markets

Uncertain Future

No Control

No Support

Expensive & Aggressive Aggregator Recruitment Tactics Lower Commissions Higher Expenses

No Succession or Perpetuation Plan

When you join TWFG, the only one who calls the shots is you. TWFG is a family of fiercely independent, loyal and passionate insurance professionals who are committed to each other and the communities we serve. We will provide you with everything you need to start or grow a successful business, and are committed to a win-win-win principle—our customers win, our agents win, and our carrier partners win. This philosophy has fueled 18 years of extraordinary growth and has put the control back in the hands of those doing all the hard work: you, the agent. Whenever you are ready, we are here to set you free.

For more information or to set yourself free, please call

Judy Rush at 281-466-1173 or email us at AgentOpportunities@TWFG.com

Leading

â&#x20AC;Śalways have Premium In-Force: From $1.02 Billion in 1999 to $8.1 Billion in 2018

36 years as the leading model for IA insurance distribution

11 consecutive years of signing over 400 new independent member agencies

Highest commissions, national and local incentives

BIGGER Is Better

the Wayâ&#x20AC;Ś Digital Agency of the Future Conference Tuesday, September 17, 2019 You need this information to get and stay up-to-date on technological developments affecting your agency. Travel, meals, and conference fee: $0 Attend for an hour, or the day, but do not miss out! Visit iaevolve.com to learn more or register.

â&#x20AC;Śalways will Exclusive online portal and field support teams for independent member agencies Resources include marketing, training, commercial lines initiatives, easily accessed life insurance products, and more

E&S and specialty programs Strong and competitive companies as Strategic Partners

To learn how you can increase your agency income and value, contact us today.

info@siaa.net | www.siaa.net

Business Moves vide personal and commercial insurance in Pennsylvania and the surrounding states. President and chief operating officer of Cosaint Insurance Partners, Robert Bush, and Chairman and CEO Dennis O’Neill will join Hub and report to Martin Hughes, Hub International’s executive chairman of the board of directors.

Alera Group, Austin & Co.

National

Arch Insurance, Ventus Risk Management

Arch Insurance North America has agreed to acquire Ventus Risk Management, a technology and analytics-driven managing general underwriter that specializes in providing coastal commercial property insurance solutions to small and mid-sized enterprises. Ventis has 30 employees and offices in Atlanta, Columbia, S.C., Houston, and Richmond, Va. Ventus provides commercial property insurance from several carrier partners. The parties said that integrating Ventus into the Arch platform will enable third-party capital to provide capacity alongside Arch’s product offerings. George Reeth, a Ventus co-founder, announced his retirement with the sale of the company. Co-founder Stuart Mercer will become the CEO of Ventus upon the close of the sale.

East

The Hilb Group, Jamieson Insurance Agency

The Hilb Group LLC has acquired Vermont-based Jamieson Insurance Agency Inc. JIA is a property/casualty agency primarily providing business, auto and home insurance to clients throughout Vermont. Agency Leader Jon Jamieson will continue to lead the JIA team out of its three offices in Richmond, Waitsfield and Waterbury. THG is a middle market insurance agen16 | INSURANCE JOURNAL | SEPTEMBER 2, 2019

cy headquartered in Richmond, Va., and is a portfolio company of Boston-based private equity firm, Abry Partners. THG seeks to grow through targeted acquisitions in the middle market insurance brokerage space.

Satellite Agency Network Group, Halpert Insurance & Financial Services

Satellite Agency Network Group Inc., an alliance of independent insurance agencies in the Northeast, announced that Halpert Insurance & Financial Services of Windsor Locks, Conn., joined the network. Agency Owner Jason Halpert and SAN Chief Operating Officer Frank Waters made the announcement jointly. Halpert Insurance & Financial Services is a full-service agency offering all lines of personal and business coverages, as well as financial services. In addition to Halpert as principal agent, the agency employs four insurance agents, one customer service representative and two financial advisors.

Hub International Limited, Cosaint Insurance Partners

Hub International Ltd., a global insurance brokerage, has acquired the assets of Cosaint Insurance Partners LLC. The principal owners of Cosaint Insurance Partners were part of Nationwide Mutual Insurance Company’s distribution model and are joining Hub concurrent with Cosaint Insurance Partners’ shift to an independent broker. Headquartered in Conshohocken, Penn., Cosaint Insurance Partners is an independent insurance agency whose partners pro-

Alera Group, a national insurance firm, has acquired Austin & Co. Inc. The firm expands Alera Group’s employee benefits and property/casualty expertise. Austin & Co., located in Albany, N.Y., serves clients throughout the Northeast. Its service offerings include employee benefits, commercial and business insurance, and human resources consulting services. All Austin & Co. employees will continue operating out of the firm’s existing locations under the name Austin & Co., an Alera Group Company LLC. Based in Deerfield, Ill., Alera Group provides employee benefits, property/ casualty, risk management and wealth management.

Midwest

Alliant, InvisionBenefit

Alliant Insurance Services has acquired Northern Ill.-based InvisionBenefit. As part of the company’s Employee Benefits Group, InvisionBenefit will expand Alliant’s Midwest benefits presence while bringing a broad array of benefits, consulting and advisory services under the Alliant banner. InvisionBenefit serves as a broker, consultant, and administrator, offering employee benefits, human resources consulting, enrollment, and advisory services. In addition to serving clients in the Midwest region, InvisionBenefit has a presence in all 50 states. It is led by Marko Castillo, founder and managing principal. Castillo, along with the entire InvisionBenefit team, will join Alliant and continue serving clients nationwide from its Lake in the Hills headquarters. Alliant Insurance Services Inc. is headquartered in Newport Beach, Calif.

continued on page 18

INSURANCEJOURNAL.COM

All Online! Customize your applications with your own logo/branding through our online portal! Take advantage of our new free eSign feature! Send apps for signature electronically and get your policies bound in minutes!

EXCLUSIVE CONTRACTOR PROGRAMS!

SIS Wholesale Insurance Services Lic# 0G22064 3250 Grey Hawk Ct., Carlsbad CA 92010 TEL: (866) 716-7242 www.sisinsure.com

Business Moves continued from page 16 Hub International, Truss

Hub International Ltd. has acquired the assets of Truss LLC, headquartered in Kansas City, Mo. Truss has more than 40 years of commercial insurance expertise in the construction, transportation and healthcare industries, as well as expertise in employee benefits, risk management, surety bonds and HR solutions. Paul Cohen, vice president of Truss, has been named area president for Hub in Kansas City. Hub is headquartered in Chicago.

Insurance Technologies Corp., Smart Harbor

Insurance Technologies Corp., a provider of websites, marketing, comparative rating and management software and services, has acquired Columbus, Ohio-based Smart Harbor, which provides digital technology products and services to insurance agents. Smart Harbor is owned by The Shipyard, a digital marketing agency also based in Columbus. Through this acquisition, Smart Harbor clients will get access to Carrollton, Texas-based ITC’s marketing products and services. The sale does not include any of the other marketing services operations of The Shipyard.

South Central

Alliant Insurance Services, Fred Daniel & Sons

Alliant Insurance Services, headquartered in Newport Beach, Calif., has acquired Fred Daniel & Sons, based in Tulsa, Okla. Fred Daniel & Sons brings nearly 100 years of experience and a legacy of excellence in commercial and personal insurance under the Alliant banner. Currently in its third generation of leadership, Fred Daniel & Sons provides insurance and consulting services that includes commercial lines, personal lines, and employee benefits. Owner and President Fred Daniel III, 18 | INSURANCE JOURNAL | SEPTEMBER 2, 2019

along with the entire Fred Daniel & Sons team, will join Alliant and continue serving clients nationwide from its Tulsa offices.

Next Level Insurance, A&H Benefits

Next Level Insurance Agency, a Dallasbased healthcare consulting and employee benefits brokerage firm, has acquired A&H Benefits, also based in North Texas. A&H was formed to provide employee benefits to new and current business owners under Ayres Financial Group. Prior to the acquisition, David Ayres had served as the primary owner of A&H Benefits for the last 10 years. Following the acquisition, Next Level Agency will serve over 250 companies, ranging from start-ups to those with more than 500 employees. In addition to North Texas, Next Level has service centers in Florida and Colorado.

Southeast

Risk Strategies, National Insurance Consulting Group

Risk Strategies, a privately held, national insurance brokerage and risk management firm, has expanded its presence in the Southeast U.S. with the acquisition of National Insurance Consulting Group, LLC, an employee benefits and human capital consulting firm. National Insurance Consulting Group offers benefits consulting, outsourced benefits administration, human capital management software delivery, and outsourced HR. With locations in Atlanta and Fort Lauderdale, Fla., the firm specializes in creating alternatively funded employee benefits programs for middle market businesses in a variety of industries. National Insurance Consulting Group crafts alternative funding strategies and insurance-based employee benefits programs. Risk Strategies is a privately held, national firm with offices across the country. The company offers risk management services as well as insurance and reinsurance placement for property/casualty, healthcare and employee benefits risks.

The Hilb Group, Mackie Financial Group

The Hilb Group LLC has acquired Tennessee-based Mackie Financial Group LLC. MFG is an agency primarily providing insurance for employee benefits, Medicare Supplemental/Advantage, individual life and annuities. As part of the acquisition, MFG will join THG’s operations based in Abingdon, Va., and continue to operate out of its current location in Johnson City, Tenn. The Hilb Group is a middle market insurance agency headquartered in Richmond, Va., and is a portfolio company of Boston-based private equity firm, Abry Partners.

West

Abry Partners. Capital Z

Abry Partners has agreed to acquire Lake Forest, Calif.-based Portfolio Holding Inc. from Capital Z Partners LP. The deal is subject to normal and customary closing conditions. All of Portfolio’s current management team will remain in their roles and will retain significant equity ownership. Portfolio, which has operations in Dallas, Texas, is a provider of finance and insurance products and services to automotive dealers across the country. Its specialty is managing affiliated reinsurance companies for dealership owners. Abry is a sector-focused private equity investment firm. Capital Z is a global private equity firm focused exclusively on the financial services industry.

Alera Group, Benefit Commerce Group

Alera Group has acquired Benefit Commerce Group in Scottsdale, Ariz. All Benefit Commerce Group employees will continue operating out of the firm’s existing locations under the name Benefit Commerce Group, an Alera Group Company LLC. Deerfield, Ill.-based Alera Group offers employee benefits, property/casualty, risk management and wealth management services. Benefit Commerce Group is an employee benefits consulting firm. INSURANCEJOURNAL.COM

Specialties D&O ~ EPLI Cyber Liability Misc Prof Liability Contact Your Monarch Underwriter

Submissions@ monarchexcess.com

Wayne E. Bernstein Director of Professional Liability

MonarchExcess.com

Burbank 818-249-0100 / Simi Valley 805-577-6800 / San Diego 619-521-2170 / Rancho Mirage 760-779-5555 San Marcos 760-891-2811 / Fresno 559-226-0200 / Arizona 877-406-8026 / Hawaii 818-425-9847 / Lic. #0L09546

News & Markets

Wildfires Making Insurance Harder to Find, California Department of Insurance Says By Don Jergler

evere wildfire seasons have made it harder for homeowners to find insurance in high wildfire-risk areas, according to new data collected by the California Department of Insurance. The data released in late-August from the CDI shows a 6% increase in insurer-initiated homeowner policy non-re-

newals in Cal-Fire State Responsibility Areas from 2017 to 2018, while ZIP codes affected by the devastating fires from 2015 and 2017 experienced a 10% increase in insurer-initiated non-renewals last year. Wildfires in November 2018 were the most destructive in state history, topping more than $12 billion in insured losses. Most of the damages relate to the

W2 | WEST | INSURANCE JOURNAL SEPTEMBER 2, 2019

Paradise fire, which killed 86 people and destroyed roughly 19,000 buildings. A series of sweeping fires in late 2017 had been the most expensive, with claims topping $11.8 billion. S&P Global Ratings reported earlier this week that 2020 reinsurance pricing in the aftermath of California wildfires will likely rise as reinsurers are finding 2017-

continued on page W4

INSURANCEJOURNAL.COM

News & Markets continued from page W2 2018 losses from wildfires in that state to be higher than expected. Two insurer associations were quick to note an apparent omission in the CDI data. Mark Sektnan, vice president for the American Property Casualty Insurance Association, and Rex Frazier, president of the Personal Insurance Federation of California, issued a joint statement in response to the release of the department’s data: “Recent data released by the California Department of Insurance shows a slight increase in the number of homeowners policies being non-renewed in the areas impacted by recent wildfires and in those areas with the highest risk of devastating wildfire,” the statement reads. “The data, however, does not address the most important question — was the homeowner able to obtain insurance from another carrier?”

The statement notes that the CDI data shows that in high-to-moderate areas, the non-renewal rate held steady at 2%. “For new policies, we see that carriers continue to write a significant number of policies in these areas,” the statement continues. Despite paying out more than $26 billion in claims from the 2017 and 2018 wildfires, insurers remain committed to covering homes in rural and urban zones, according to the statement. The CDI data also revealed the availability of homeowners insurance dropped in high-risk counties. From 2015 to 2018, the number of new and renewed homeowners’ policies fell by 8,700 in the

CLAOC005.indd 1

W4 | WEST | INSURANCE JOURNAL SEPTEMBER 2, 2019

10 counties with the most homes in high or very high-risk areas. These same counties saw a steady increase in new FAIR Plan policies during that timeframe, growing 177 percent, compared to only a 4 percent increase for the five counties with the lowest risk. The FAIR Plan provides insurance coverage as a last resort for homeowners who are unable to find coverage in the voluntary market. Nearly 57 percent of new FAIR Plan policies are now written in State Responsibility Areas, which is up from 47 percent in 2015. FAIR Plan executives couldn’t be immediately reached for comment. Data also shows a 49 percent increase in surplus lines policies in State Responsibility Areas between 2015 and 2018. Wildfires have been driving more Californians into the surplus lines market, pushing up homeowners surplus premium volume to more than $122 million in 2018, according to figures the Surplus Line Association of California released in April. “We have definitely seen increases in homeowners premiums and transactions in the surplus line market over the last few years, so it is clear that some of these consumers are finding coverage through surplus lines,” said Cliston Brown, the group’s vice president of communications and government relations. “Our industry overwhelmingly covers commercial lines, and even with the uptick we have seen, homeowners’ business still accounts for less than 2.5% of all California surplus line premiums.” Brown added that “surplus line insurance can and does play an important role in filling gaps left when admitted carriers reconsider their levels of exposure.”

‘Recent data released by the California Department of Insurance shows a slight increase in the number of homeowners policies being non-renewed in the areas impacted by recent wildfires and in those areas with the highest risk of devastating wildfire.’

8/14/19 1:21 PM

INSURANCEJOURNAL.COM

People National

Reinsurance broker BMS Group has named Pete Chandler as president of its U.S. reinsurance operations. Chandler joins from JLT Re, where he was deputy CEO of the U.S. reinsurance broking arm of the group. He joined JLT Re in 2016, prior to which he was Marsh’s managing director for the Western region. He also previously served as North American chief operating officer for Guy Carpenter and as an executive vice president at Benfield. Chandler is reporting to Steve Korducki, U.S. reinsurance CEO.

East

Everest Insurance has hired Sharone Menczel Poopor to its Structured Solutions group as a vice president based in the company’s Liberty Corner, N.J., office. Poopor will be responsible for underwriting unusual and complex risks in her new role. She most recently held the title of senior vice president and senior managing underwriter in the Special Risk unit at Ironshore. Previously, she worked in the Product Innovation Group and Private Equity/Financial Institutions groups at the company. She started her insurance career at AIG. ICNE, Insurance Center of New England, has hired two new employees to its independent agency. Melissa Salois-Blood accepted the position of controller, and Jennifer Santiago was hired to fill the role of employee benefits account manager. Salois-Blood has more than 11 years of experience working as a staff accountant for several businesses, including Robert INSURANCEJOURNAL.COM

Half International, a global human resources consulting firm, The Dowd Insurance Agencies Inc., and The Law Offices of Thomas Kokonowski LP. Santiago, a 20-year healthcare industry veteran, brings with her a range of professional experience in healthcare, insurance, claims support and employee benefits. As the new group benefits account manager at ICNE, she will be in charge of developing and maintaining client relationships through customer service. Santiago began her career in insurance with UniCare Life and Health Insurance as a claims associate. For the last 13 years, she has worked as an account manager for USI Insurance Services LLC. Salois-Blood and Santiago will both work out of ICNE’s headquarters in Agawam, Mass. Meeker Sharkey & Hurley has appointed Carrie-Ann Crockett as vice president of Personal Lines to lead the insurance agency’s team of personal line professionals providing home, auto and additional specialized Carrie-Ann Crockett coverage. The agency is a provider of employee benefits, risk management and insurance services with expertise in commercial insurance as well as personal lines. It has offices in Cranford, Basking Ridge and Wall Township, N.J. Prior to joining Meeker Sharkey & Hurley, Crockett served as Personal Lines manager for the Schechner-Lifson agency and the Account Team lead for Hughes-Plumer & Associates

as well as Wachovia Insurance Services.

South Central

The Independent Insurance Agents of Oklahoma (IIAO)

has confirmed its 2019-2020 officers and board members. IIAO Officers for 2019-2020 are: Director-at-Large Kathy Resser, VIP Insurance, Edmond; Director-at-Large Vaughn Graham Jr., Rich & Cartmill Inc., Tulsa; Director-at-Large Scott Cornelius, ECI Agency, Piedmont; MGA Liaison Carol Partridge, Standard Lines Services, Bartlesville; and Company Liaison Mark Gruber, CompSource Mutual, Oklahoma City; and Young Agents Liaison Jake Bramlett, The Bramlett Agency, Ardmore. IIAO directors for 2019-2020 are: Chair Jeff Burton, INSURICA, Oklahoma City; Chair-Elect Chris Mosley, Mosley Agency Inc., Chickasha; Treasurer Stewart Berrong, Ed Berrong Agency, Weatherford; Secretary Jerrad Coots, Burrows Agency, Claremore; State Director Gerald Keeton, Cole, Paine & Carlin, Oklahoma City; and Immediate Past Chair Chris Floyd, Brown & Brown Insurance Professionals, Pryor.

Midwest

Risk Strategies, a privately held, national insurance brokerage and risk management firm, has selected industry veteran Steve Giannone to run its Chicago office and oversee operations in the firm’s central United States region. Giannone brings almost 30 years of insurance industry experience to this new role at Risk Strategies. He most recently served as senior vice president and managing director at USI Insurance Services’ Insurance

Brokerage and Consulting practice in Chicago, where he led its sales and service efforts while overseeing operational functions. Prior to his time at USI, Giannone was a senior vice president and zonal executive with American International Group (AIG), overseeing a 14-state operation. He also managed AIG’s largest onshore-energy property operation out of its Houston office, heading a 20-person team of technical underwriters and loss control engineers. Huffman Insurance Group in Moberly, Missouri, has hired Lisa Finnell as its new sales assistant. In this position, Finnell will work directly with clients to determine their specific coverage needs. She Lisa Finnell will be responsible for researching custom insurance plans to customize the best solution for each client. Finnell has more than 25 years of customer service and office management experience. Huffman Insurance Group is a full-service insurance agency founded in 2015 that specializes in auto, home, life, commercial and farm insurance.

Southeast

Susan Wollenberg has been selected to serve as chief financial officer for Windhaven Insurance and The Hearth Insurance Group, according to Jimmy E. Whited, CEO of the Florida-based companies. Wollenberg will be responsible

continued on page 20

SEPTEMBER 2, 2019 INSURANCE JOURNAL | 19

People continued from page 19

for managing financial performance and developing operational and capital plans for Windhaven and The Hearth Insurance Group. She has been a member of the board directors at Windhaven since its founding in the early 2000s. As a CFO for both public and privately held entities in the financial services sector, Wollenberg

served at Spencer Capital Holdings; Personalized Brokerage Services, an Allianz subsidiary; and E.W. Blanch. She also held leadership roles Steve Giannone in financial planning and business development at Kansas City Southern and GE Insurance. Wollenberg

began her career as a Certified Public Accountant at Deloitte and TouchĂŠ. Headquartered in Miami, Fla., Windhaven Insurance, along with the The Hearth Insurance Group, have written close to $2 billion in home and auto insurance premiums since its establishment more than a decade ago.

West

Walnut Creek, Calif.-based CSAA Insurance Group has named Linda Goldstein executive

vice president in customer experience and marketing. Goldstein leads all aspects of marketing, including digital marketing, brand Linda Goldstein management, marketing analytics, market research, customer-experience management, data strategy and direct marketing. Prior to being promoted, Goldstein was vice president of marketing channels and partners, and previously held various senior executive marketing positions with Citigroup.

Portland, Ore-based Fournier Group has named Tim Conlon vice president of business development. Conlon has more than 25 years of Tim Conlon experience in insurance brokerage, niche industry specialization, team leadership and business development. Conlonâ&#x20AC;&#x2122;s previous positions include Industrial Risk & Insurance Services, HUB International and Lockton Cos. Fournier Group is an independent insurance agency. Coface North America has named Paul Chun Western region vice president and general manager of sales. Chun was previously vice presPaul Chun ident of sales for Euler Hermes. He held sales positions at Nestle Waters North America, and The Pepsi Bottling Co. before Euler Hermes. Princeton, N.J.-based Coface is a credit insurance and business information services provider. NBISGA16657.indd 1

20 | INSURANCE JOURNAL | SEPTEMBER 2, 2019

8/24/15 10:32 AM

INSURANCEJOURNAL.COM

Are your clients shielded?

Contractor Workers’ Compensation Coverage

• Flexible PAY-AS-YOU-GO payment plan • Exclusive partnership with Nationwide® • Expansive 33-state territory • Wide class coverage options, including Roofing • Minimum premiums starting at $5,000.

Improved General Liability Coverage Options: • NEW additional one-click coverage available for contractors pollution liability, employee benefits liability and small tools/equipment

• Full limits EIFS coverage • Increased limits for fire legal and medical expense

• ISO policy form and endorsements

• Defense outside limits

• Full limits condominium and townhome

• No minimum or maximum size requirements

coverage (no new)

• Excess liability online up to $5,000,000

• Removal of prior work exclusion

available (one click)

• Full limits open roof and torchdown coverage

Spotlight: Residential Contractors Fake Claims, Price Gouging, Bogus Contractors in Times of Disaster

By Natalie Anderson, Jake Goodrick and Peter Nicieja

s the scale and frequency of major disasters escalate, millions of dollars in federal, state and insurance payments intended for recovery efforts are being stolen by fraudsters taking advantage of chaos and the pipeline of aid flowing into the stricken areas. Last year, Olanrewajua A. Beyioku, also known as “Papa Smith Morgan,” was charged with wire fraud after allegedly devising a scheme to defraud the American Red Cross. The Gary, Ind., resident used reference codes intended for nine households affected by Hurricane Harvey to obtain $3,600 in relief funds.

Beyioku was one of 3,300 identified cases of fraudulently collecting reference codes that resulted in a loss of more than $1.3 million to the Red Cross. After Gulf Coast flooding in 2016, Renata Foreman of Independence, La., submitted false claims from multiple locations and made more than 50 fraudulent applications using stolen identities to obtain Disaster Unemployment Assistance funds from the Louisiana Workforce Commission. In March, Foreman, 39, was sentenced to 111 months in federal prison and five years of supervised release for multiple counts of wire fraud and aggravated identity theft. In West Virginia, one woman embezzled more than $18,000 in Federal Emergency

22 | INSURANCE JOURNAL | SEPTEMBER 2, 2019

Management Agency benefits for the 2016 flood in Clay County. Pamela Taylor, 57, falsely claimed her primary residence was damaged from the flood when it was not. She has paid $18,000 in restitution and was sentenced in May to 10 months in prison, two months of home confinement and a $10,000 fine. “As you can imagine, fraud follows the money,” said U.S. Attorney Brandon Fremin, the executive director of the National Center for Disaster Fraud. “So when HUD (Housing and Urban Development) or FEMA or other federal agencies start to put money into those affected areas, that’s when the bulk of the fraud seems to follow. The fraudsters know when the money arrives. So they know that it’s now time

for them to operate.” Losses to disaster fraud are estimated at 10% of disaster-related insurance payouts and FEMA spending, according to a report by the National White Collar Crime Center in West Virginia. More precise losses are difficult to quantify due to the challenges of identifying, reporting and prosecuting fraud. “It’s next to impossible to actually determine how much fraud there is,” said Richard Brody, a certified fraud examiner and professor of accounting at the University of New Mexico. Disaster fraud comes in the form of identity theft, price gouging and fake claims made to insurance companies and the federal government, including FEMA. Contractor, INSURANCEJOURNAL.COM

charity and insurance fraud also can be prolific during times of disaster. In the aftermath of a disaster, fraud against FEMA is commonly committed by submitting claim applications for disaster relief benefits, often claiming damage that did not occur. In some cases, fraudsters impersonate FEMA or other federal officials. “There should be a red flag there that nobody from FEMA is going to ask you for a check,” Fremin said. After Hurricane Michael last October, residents of Panama City say fraudulent contractors flooded the Florida Panhandle days after the storm, persuading people to sign questionable contracts that ultimately set back their recovery. Some residents say they signed over their insurance benefits believing a contractor would do the work they were hired to do, only to find months later the job was never done or that they were charged too much.

Michael’s Destruction

Hurricane Michael was a Category 5 storm that swamped the northwestern tip of the Panhandle near Panama City, leaving behind shattered homes and ruined pavement along U.S. 98. Neighborhoods and homes were reduced to foundation slabs. “Bringing the physical structures back to the way they were, people recovering, that can take years,” said Fredric Kerstein, a former Florida prosecutor. “When you’ve got two out of every three homes in your community that are destroyed, you’re not going to have enough contractors to do the work properly, and that’s INSURANCEJOURNAL.COM

In this photo provided by News21, eight months after Hurricane Michael, the devastation is still evident in Mexico Beach, Fla., Sunday, June 2, 2019. (Peter Nicieja/News21 via AP) part of the problem. That’s why everything is delayed. Recovery is a long process.” On June 1, nearly eight months after Hurricane Michael, dozens of Panama City residents met at a tent structure serving as the temporary home of St. Dominic Catholic Church, which was destroyed in the storm. Mass was not held that day. Instead, representatives from local law enforcement and insurance companies met with citizens and victims of disaster fraud. They included two locals, Ted Mahoney and Greg Dossie, who experienced drastically different outcomes. In an interview at his still-gutted and uninhabitable home, Mahoney said he and his family are the victims of fraud. In the hours before Michael, Mahoney waited out the storm in his house in Lynn Haven, just north of Panama City. His wife, Jennifer, and two children, Maria and Monica, left town to avoid the storm. He

stayed, along with the family dog, Sadie. Although first forecast as a tropical storm, Michael rapidly intensified two days before landfall, an unusually accelerated pace that left the Panhandle little time to prepare. When the storm barged in on Oct. 10, it hit hard and fast. The Category 5 wind speeds shattered windows, destroyed the power grid and hampered communication networks. Downed trees and debris made roads inaccessible. The storm opened Mahoney’s roof, allowing torrents of rain to pour into the house, damaging it throughout. “We got through the storm,” Mahoney said. “We lost the shingles. The structure withstood the storm marvelously, marvelously. But because we lost the shingles, water comes in and now you have inside water damage.” The roof has since been repaired, but inside, little else has been done, even though

Mahoney said his insurer paid a contractor for repairs. “In our situation, the contractor, unequivocally, black and white, claimed that work was done that was clearly not done,” Mahoney said, citing among other things, drywall removal that was never completed. Mahoney pays his children 5 cents for each used nail they find on the property, left behind by the contractor who gutted their home. “In general, people are good, honest people, the people that we interact with in this area,” Mahoney said. “So I think that the people expect, you know, if you say something, you’re going to do it. So that’s the expectation.”

AOB Problems

Dennis Rozier, who leads the Bay County Sheriff’s Financial Crimes Division, said some contractors, many unlicensed, persuaded residents to sign an assignment of benefits, known

continued on page 30

SEPTEMBER 2, 2019 INSURANCE JOURNAL | 23

Special Report: Agency Partnerships

2019 Rank Agency Partnership 1

SIAA

ISU

Keystone Insurers Group

SecureRisk

The Iroquois Group

Combined Agents of America

Renaissance Alliance Insurance Services LLC

Smart Choice

United Valley Insurance Services

Pacific Interstate Insurance Brokers

ANE Agency Network Exchange LLC

Insurors Group LLC

Georgia Agency Partners Inc.

GreatFlorida Insurance

Brightway Insurance

Networked Insurance Agents

Bainswest Inc.

United Agencies Inc.

The Insurance Alliance Network

PacWest Alliance Insurance Services Inc.

24 | INSURANCE JOURNAL | SEPTEMBER 2, 2019

By Andrea Wells

t used to be that agency networks and partnerships offered access to markets and little else. Those days are long gone. Today’s networks are numerous and offer value and benefits that go far beyond markets — independence, growth, profit sharing, perpetuation, relationships, technology, staff support, errors and omissions coverage, and more. They are very much part of the fabric of today’s independent agency system. Insurance Journal asked the 2019 Top 20 Agency Partnerships about their value proposition for agents. Here is what 11 agency partnerships had to say in their own words.

INSURANCEJOURNAL.COM

SIAA $1,211,398,245 2018 Total P/C Revenue

he SIAA business model has been operating since 1983 in the Northeast and nationally since 1995. The organization operates with 48 local master agencies with over 350 associates across the country including 150 field personnel. Its size and scope place SIAA in a unique position to help agents meet their short- and long-term goals with custom solutions, Matt Masiello, CEO, told Insurance Journal. SIAA serves independent agencies, whether start-ups or existing agencies, that are looking to increase revenue and growth. “We strive to support our members in achieving their goals from the stage at which they join, all the way through perpetuation or even maximizing value in a sale,” Masiello said. “Our model seeks out agency principals who want to be independent, to represent carriers, to run their agency, to write and place new business, to service their business and

SU Network limits its size by adding new members, mid-sized to large agencies, by invitation only. But while this agency partnership is small in number, it’s not small in size. According to Steve Pearson, president, ISU offers its INSURANCEJOURNAL.COM

grow in their community.” SIAA provides national support in benefits and works with local master agencies to provide resources for members. SIAA starts with three pillars: Market Access, Enhanced Income and Agency Development Services. “Within each of these pillars we have a proven process and programs including direct appointments, non-appointed market access, program, specialty and E&S markets, and all with enhanced revenue opportunities,” he said. He said more than 95% of business is placed directly with markets by its agents. SIAA members maintain their independent ownership in their book of business even when accessing markets through the network. “SIAA’s model serves to actually increase an agent’s independence, making them less reliant on market or carrier fluctuations or industry changes,” he said.

SIAA members can earn commissions and incentives on their books of business in multiple ways. “This includes access to the highest commissions available, local and regional incentives and profit sharing with the local master agency, national quarterly fixed compensation and national profit sharing,” Masiello said. All incentives are calculated and distributed with full transparency via the members’ portal. According to Masiello, partnerships like SIAA deliver “tremendous value” for both carriers and agencies. “The services and benefits to the agencies, combined with the portfolio work with the carriers, puts us in a proven distribution position helping to evolve and fortify independent agency distribution into the future to the benefit of our member agencies, our partner carriers and the IA channel overall.” SIAA has a five-year average premium growth with partner

carriers of 14.9%, he said. SIAA represents about 13% of independent insurance agents in the U.S. and works with partner companies in managing a portfolio of agents and books of business placed in over 50,000 agency codes. Masiello believes agency networks like SIAA are here to stay. “Which ones make it, and which don’t, will really be the question for agents and carriers to ask themselves,” Masiello said. “Simply providing market access and some local profit-sharing aggregation is now the ‘price of admission.’ Anyone can do aggregation and agents can access markets in dozens of different models — it just depends on the model that works best for them.” With a level playing field on market access, it comes down to the value proposition and operational execution of the network, he said. “Viable networks must offer proven services and benefits, not just to their agents, but also to their carriers,” he said.

ISU Network $559,580,000 2018 Total P/C Revenue members “superb” carrier relationships, $4 billion in premium controlled, and 100% retention of their commission. ISU charges members an initial payment of $7,500 plus monthly fees that vary by state. There is no long-term contact and no

cost to leave the network, he added. It’s not all about the material benefits, however. “Members tell us the ISU community camaraderie and shared values are their #1 value,” Pearson told Insurance

Journal. “Earning significant additional revenue is #2.” Members also join ISU because it allows them to maintain independence over operations and placements. They also gain performance

continued on page 26

SEPTEMBER 2, 2019 INSURANCE JOURNAL | 25

Special Report: Agency Partnerships #2 continued from page 25 insight from ISU’s agency data analytics and loss ratio databases. Agencies have access to the management of profit-sharing contracts and have no restrictions on buying or selling other agencies. “An average agency earns over five times their monthly fees year-after-year,” Pearson said. “No matter how large an agency grows, they don’t outgrow ISU because we never take commission and never reduce agency independence.” Pearson says the ISU Network doesn’t prevent internal transitioning of ownership when the time comes to perpetuate the agency. ISU provides agents with direct carrier access for ISU accessed markets. Pearson added that ISU does not require the use of service centers, which

ISU Network $559,580,000 2018 Total P/C Revenue he said can isolate producers from underwriters. In total, the ISU network has 200 agencies in 32 states. “Small enough to meet with other members and have a say in network operations. Large enough to be second largest agency network by premium volume, and the clout that comes with controlling over $4 billion in premium,” Pearson said. ISU offers members various ways to earn revenue from more than 100 ISU incentives. These include fixed and variable profit-sharing contracts, enhanced commissions with certain carriers, new business incentives and “blue light specials.” Agencies decide which carriers to link for profit sharing and which to retain as standalone. Pearson said an average

ISU member receives about $80,000 in additional revenue each year through ISU incentives while larger agencies earn substantially more. “Members benefit from geographic dispersion of agencies avoiding over-exposure to weather events in a particular region,” he said. “Many contracts have a guaranteed floor payment regardless of experience with the ability to earn more with superior results. While some networks aggregate, and hope for good results, ISU actively manages performance.” ISU believes that higher volume with fewer carriers creates better outcomes for carriers and agencies than low premium with every carrier. That’s why the network only invites selected carriers to work with ISU members.

ISU said it is also very selective about accepting agencies as members. “Nine out of 10 who approach ISU are declined,” Pearson said. While ISU Network is ranked as #2 in size by Insurance Journal, it has 200 members with average agency revenue [ranging from] $3 million with several agencies over $20 million, according to the organization. Agency E&O is simple, too, Pearson said. Member agencies list “ISU Network” as additional insured on agency members' E&O policy. Agency independence is ISU’s foundational belief, Pearson says. “‘Helping Independent Agencies Remain Independent Since 1978’ is more than a slogan,” he said. “It’s why we exist.”

Renaissance Alliance Insurance $109,262,128 2018 Total P/C Revenue

ounded by agencies for agencies 20 years ago, the Renaissance Alliance Insurance Services LLC (RAIS) network thrives on helping independent agencies grow premium, profits and equity far beyond their peers. According to J. Bruce Cochrane, CEO of Renaissance Alliance Insurance Services, the network leverages technology, business services and market

influence to empower member agencies to grow strategically and maximize revenue. He says RAIS is distinct from other agency groups because it supports members with a strong infrastructure that includes a staff of 80-plus full-time insurance experts, business process outsourcing and software engineering expertise. “Services include account

26 | INSURANCE JOURNAL | SEPTEMBER 2, 2019

placement, a host of back-office processing, employee training, marketing support, acquisition support and software offerings focused on helping agencies measure and manage their businesses,” Cochrane said. “Our growth partners, a team of industry veterans focused on driving organic agency growth, help our members uncover and execute growth-focused initiatives.”

Renaissance has no entrance to join or exit fees or penalties and the cost of being a member is typically less than 1% of total premium, according to Cochrane. Member agents are eligible for profit-sharing from all RAIS standard market carriers, regardless of the premium amount the agent places with the carrier; on average RAIS members receive 2.5 times the INSURANCEJOURNAL.COM

Smart Choice $108,378,576 2018 Total P/C Revenue

mart Choice is an agency network of 7,500 independent agency locations across 44 states. The network offers agencies of all sizes opportunities to build their business with limited upfront commitment. “We not only offer quality market access to a variety of different lines of business, but also offer enhanced profit sharing, training and support, and a partnership that helps agencies establish relationships with quality carriers,” said Andrew Caldwell, president at Smart Choice. “We bring the power of one of the largest networks in the country and yet still have the relationship and one-on-one attention an individual agency would look for in a partner,” Caldwell said. Smart Choice offers training and mentorships through its network of 80 territory managers and state directors, access to supplemental products

such as agency management systems and discounted E&O programs, and a Smart Start Program for assistance placing personal and commercial risks. It also offers perpetuation assistance, working with its partners to match agents ready to retire or sell with potential buyers. There is no upfront cost to join the Smart Choice network and no monthly marketing fees. “Perhaps, most importantly, agencies are not required to move any of their existing business, or business they write direct, underneath our network, nor do they have to split any commissions on their direct carrier codes,” Caldwell explained. “ Smart Choice operates off a commission split only on markets an agency obtains through its program. “We also stop taking that commission split at a certain level of earned commission, so agencies will

never have to share more than a certain amount of commission in a calendar year,” he said. Caldwell added that Smart Choice Leadership Agencies – those that reach a commission “cap” obtained by having production over a certain level on a running 12 months basis. – also share in profit-sharing. Those agencies can earn up to 75% of general profit sharing, and usually receive 100% of special short-term incentives directed to Smart Choice by its carrier partners. Smart Choice Leadership Agents can also compete for annual trips and other special incentives. Members of Smart Choice remain 100% independent owners. “Our agents’ customers are theirs, always,” Caldwell said. All carrier appointments obtained directly by the agent are maintained separately from the network.

“Smart Choice does not have any stake in those relationships and agents are not required to move any of their business to appointments under Smart Choice,” Caldwell said. There are no exit fees if an agency wishes to leave the network. Member agencies can access several discounted agency errors and omissions (E&O) markets through Smart Choice, however, they can also obtain E&O coverage on their own, through their preferred carrier. Caldwell says Smart Choice can be a great fit for agencies of any size and age. “Our network has had four straight years of record growth, both in revenue and agency partnership additions,” he said. “With a number of different programs for our partners to choose from, we are a great fit for a start-up agency, a medium sized agency, and the largest agencies in the country,” Caldwell added.

profit share they could receive as stand-alone agencies, according to the organization. RAIS members retain exclusive ownership of their book and total independence, according to Cochrane. There are reasons carriers support RAIS, too. “Carriers are attracted to our focus on driving organic growth and ease of doing business,” he said. “They also

benefit from predictable longterm profitability and a streamlined approach to driving distribution priorities that are underpinned by a data-driven management culture.” RAIS agents continue to represent all current carriers plus up to 40 additional carriers and wholesalers. Renaissance members have access to a group E&O program. Why join RAIS? According to

Cochrane, most of its agency members grow at twice the national average, while its top-quartile members grow four to five times the national average. “This steadfast focus on growth underpins everything we do,” he said. “Our technology and services empower agency owners and staff to focus on activities that drive sales and retention.”

Cochrane sees agency networks continuing to evolve beyond simple access to markets and profit-sharing benefits. “Networks that thrive will provide agencies with access to skill, scale, and capital required to grow and differentiate, all while optimizing revenue opportunities and enabling greater independence,” Cochrane said.

INSURANCEJOURNAL.COM

SEPTEMBER 2, 2019 INSURANCE JOURNAL | 27

Special Report: Agency Partnerships

Valley Insurance Services # 9 United

he United Valley Insurance Services is a network of independent agencies located in California and Arizona with plans for expansion. Members maintain complete control of their business and own their own books of business. “We do not retain any portion of their policy level commissions, said Rene Swan, president of United Valley Insurance Services. The organization says members like that United Valley does not appoint agencies that compete with any members. “We stand by our members and do not compromise the value of their membership by appointing their direct competitors,” said Swan. “Members don’t compete which allows

them to share ideas and connect with other quality agency owners.” United Valley is more than a place to access markets. It offers opportunities to connect, network, learn and grow. “Our members value the engagement they receive from the many webinars, workshops and practice groups that we host,” she said. Members also have access to an Emerging Leaders program, various industry practice groups, an annual conference, education and perpetuation planning. Monthly membership fees are based upon total property/ casualty revenue. There is no joining fee and no exit penalty at United Valley. Profit sharing is paid annually, based on pro rata

$99,101,335

2018 Total P/C Revenue

share of premium. “There are no separate qualifiers: if we profit share, our members profit-share,” she added. “By aggregating profit sharing from our shared partners, our members generally receive more profit sharing than they could on their own.” United Valley members assume E&O responsibility for all the business, Swan noted, adding that the network does offer ongoing E&O awareness training. According to Swan, the quality captured by United Valley’s agency selection process is a differentiating factor, a benefit to members and carriers. “We vet-out members by selecting the best quality partners; that selection process gives carriers a fully qualified agency with

which to grow,” she said. “We support our carriers’ growth, including assigning a dedicated relationship manager who closely monitors production and profitability.” United Valley dedicates time and support to ensure members grow. “Our executive team works hand-in-hand with our members and gets involved when support is needed,” she said. “Training and networking opportunities also give members the tools they need.” Swan believes agency partnerships like United Valley have a bright future in the agency system, especially those willing to specialize. “Networks have seen tremendous growth,” she said, with some specializing and expanding into other states.

Interstate Insurance Brokers $97,002,661 # 10 Pacific

acific Interstate Insurance Brokers (PIIB), launched in 1994, has more than 200 member agencies in nine states today. Agency members are treated equal even when it comes to cost to join. The total cost to join is a one-time $5,000 initiation fee and $850 monthly. “There is no commission split, and our affiliates keep 100% of the commission,” said Tracy Ryan, marketing and agency relations for PIIB. Also, the monthly fee does not increase. “Simply, $850 a month,” she stressed. Cost is not the only differentiating factor PIIB likes to cite.

2018 Total P/C Revenue

“Integrity and patience are what set us apart from other groups,” said Ryan. “Our contract is black and white; no one agency sees a separate contract than another.” PIIB retains 10% of the profit sharing and distributes the other 90% back to its affiliate members. “PIIB affiliates earn profit sharing on dollar one,” she added. Profit sharing is paid based on how much premium is written (with no minimum) but the most profitable PIIB agencies can gain more share. “This allows an agency to be paid on their books with PIIB regardless of if they have a bad year and to earn more for

28 | INSURANCE JOURNAL | SEPTEMBER 2, 2019

staying profitable,” she said. And should an agency decide to leave the network, there is no fee or buyout cost. PIIB members gain access to an online portal called PIIB Connect, which houses carrier and vendor catalogs; a market search forum; and PIIB Match, a program designed to match buyers with sellers to simplify the process of M&A’s through confidential, no-pressure ‘match-making’ of affiliates. Ryan says all members are pre-vetted by PIIB prior to being sent to carriers for an appointment. “In addition, all affiliate access to the carriers is direct so the carrier knows

exactly who is submitting business and has a relationship with them,” she said. Profitability is the number one concern. “We monitor profitability meticulously and coach our affiliates on agency practices to reestablish profitability if it’s ever lost.” Ryan sees consolidation of networks in the future. “We believe that networks will begin to merge because there are an endless number of small networks who will eventually be best off to partner with the larger, veteran networks.” Choosing the right agency partnership will be even more critical, she added. INSURANCEJOURNAL.COM

Network Exchange # 11 Agency

stablished in 2009, Agency Network Exchange LLC (ANE) is a network of more than 70 independent insurance agencies in New Jersey, Pennsylvania and Maryland that place more than $750 million in written premium. Members maintain independent ownership in their book of business as all business is written with their agency name on the policy, according to Elizabeth Schenk, CEO, who added that members own the book of business, even if they decide to leave. Members maintain carrier relationships and are licensed directly with each of the carriers. The cost to join ANE is about

$12,000 a year in fees, with no start-up cost or exit penalty should a member choose to leave. All members participate in profit sharing as well regardless of the size of their book. Schenk believes organic growth opportunities are a critical component for any successful network. “This will not occur by merely adding more agencies,” she said. “Each agency must have the ability to grow or else they will hinder the success of the group.” That’s why ANE chooses to be “large enough to be strong, but small enough to be nimble,” she said. “In this ever-changing industry, you have to be able to react quickly and adjust,”

INSURANCEJOURNAL.COM

Rominger said. Georgia Agency Partners operates under a shareholder structure. “There is a buy-in for shares and annual dues structure,” Rominger explained. “Members have opportunities to participate in enhanced compensation programs to include profit sharing and other bonus earning arrangements,” she added. Georgia Agency Partners' members maintain independent ownership of their books of business and maintain current carrier contracts and contract directly with carriers

2018 Total P/C Revenue

Schenk said. “We are unique in that our member agencies are growing organically in the double digits and profitable, which is a huge attraction to our carriers.” ANE touts another benefit: a simplified membership contract. “Our contract is quite simple with very limited cost, constraints or the inability to easily exit. Our members stay because they see the value,” she said. Members are offered a number of additional services including coaching, training, exclusive vendor deals, technology offerings, marketing, perpetuation planning, agency valuations, business planning and dedicated field staff who

# 13 Georgia Agency Partners $68,000,000 ounded in 1995, the Georgia Agency Partners network is 15 agencies headquartered in Georgia. “We grow organically through our current members and do not add members just for volume growth,” Meredith Rominger, executive director of Georgia Agency Partners Inc. (GAP), told Insurance Journal. “We hope that any new partners bring more to the group than the group brings to them, therefore we are not a good fit for agencies that need market access or profit sharing if they cannot achieve independently,”

$90,317,326

work directly with each of the agencies. “We strengthen the IA by increasing their revenue through robust compensation packages, contingency and incentives; providing growth opportunities, scale, spread of risk, intellectual capital, and become an extension of their agency.” ANE also holds meetings, educational seminars and events at no cost to members. Schenk, who took the helm as ANE’s CEO in June 2019, says there’s more to come for member agencies. “We continue to add resources based on the needs and requests from our members,” she said.

2018 Total P/C Revenue

whenever GAP partners with carriers. Agencies that are part of GAP also maintain their own agency E&O insurance where GAP partnership is named as an additional insured. Rominger said that GAP agents pool their knowledge and resources in order to provide consumers with the most comprehensive coverages and competitive pricing to protect their personal and business investments. “GAP has excellent relationships with national and regional insurance carriers and broker partners.”

Outside of access to markets, GAP member agencies benefit from preferred compensation contracts, expense reduction through vendor consolidation, sales and service training, consolidated operations and technology platforms, and perpetuation training, she said. Agency networks will continue to grow as a strategy for carrier growth and success, Rominger said. “There may be consolidation, but carriers look for groups that have members with similar culture and growth strategies,” she said.

continued on page 50

SEPTEMBER 2, 2019 INSURANCE JOURNAL | 29

Spotlight: Residential Contractors continued from page 23

insurance claims. But despite his expertise, as an AOB, which allows the contractors his personal recovery process has been as to file claims with insurance companies, complicated as Mahoney’s and those of make repairs and collect payments on the other Panama City residents. homeowner’s behalf. The four modest houses on his property, The Bay County Sheriff’s Office, along which is where he grew up, are uninsured. with other state agencies, formed Citizens When the storm hit, the roof and side walls United Fighting Fraud, known as CUFF, a blew off one house. A tree crashed through task force dedicated to catching unlicensed another. contractors operating after Hurricane In the house where Dossie lives, the Michael. concrete siding cracked and water seeped “I wanted to get the unlicensed contracin. An 80-foot tree, slightly uprooted, tors first,” Rozier said. looms threateningly. He said the money The task force has arrested several he received from FEMA isn’t enough to unlicensed contractors in a series of sting restore his home or even cut down the operations. leaning tree. “As (CUFF) started making a lot of Dossie still lives in his home. He doesn’t arrests and word got out, a lot of these know when he will be able to repair it, contractors got out of town,” Rozier said. even as he spends his days adjusting “We found it harder and harder to find claims so others can get their homes fixed. them.” “What I think a lot of people have Dossie, a Panama City native, is familiar learned,” Mahoney said, “is that there are with disaster recovery. As a public adjuster, folks that don’t share those same ethics A&M Homeowners PRINT.pdf 1 7/31/19 11:09 AM Dossie helps policy holders maximize their and they get bitten by that. Call it naivete.

We Say YES to High Value Homeowners Insurance • New rates • HO3 and HO5 • Water back up • 25% ERC available for select risks

Contact Anderson & Murison

800 W. Colorado Blvd, Los Angeles, CA 90041 ANDERS16806.indd 1

30 | INSURANCE JOURNAL | SEPTEMBER 2, 2019

Call it whatever you want. They get bitten by that.” Dossie and Mahoney said they weren’t prepared for the destruction and fraud following Hurricane Michael. “People are thinking we’re going to be back to normal, two, three, four, five years,” Dossie said. “It’s not going to happen. There’s going to be a new normalcy. Neighborhoods are changing. Houses are being destroyed . the whole landscape is going to change.” The lack of experience and knowledge in dealing with post-disaster fraud meant many Panhandle residents didn’t know the risks of signing over an assignment of benefits to dishonest contractors or how to deal with their insurance claims. Many contractors either overcharged or collected down payments and vanished, leaving families stuck with a contract they couldn’t get out of.

Reporting Complaints

The National Center for Disaster Fraud in Baton Rouge was formed after Hurricane Katrina in 2005, when fraudsters capitalized on the billions of dollars in federal disaster relief that poured into the devastated Gulf Coast. The center does not prosecute cases but instead reports fraud to state and federal jurisdictions. Since 2005, it has received more than 95,000 complaints relating to disaster fraud. “Unfortunately, we expect to see (fraud) after just about every incident of disaster,” said Fremin, who leads the national center. Complaints are filed into a database maintained by the center to determine recurring fraud schemes and perpetrators. “We want to make sure we get the best possible information that we can give to the potential investigator and, hopefully, to the prosecutor in order to make a successful investigation,” Fremin said. Many people, he said, didn’t know the center existed in 2016 – even when an unnamed storm flooded at least 21 parishes in southern Louisiana and led to 13 deaths. Since then, disaster fraud has become an important strategy for preventing post-disaster fraud, Fremin said. The center is in contact with every U.S. Attorney’s Office

8/2/19 12:54 PM

INSURANCEJOURNAL.COM

and state attorneys general, and letters and emails are sent to areas expecting disasters, reminding them to contact the center with allegations of fraud. “We want them to know that rather than spending time on the phone taking complaints, (we would rather) have them out on the street helping the people who need it most and allow us to take those complaints,” Fremin said. Still, it’s difficult to identify and prosecute on local and federal levels. “What good does it do if the local law enforcement and the local prosecutors don’t know how to handle the problem?” asked Kerstein, who prosecuted disaster fraud cases after Hurricane Andrew hit Miami in 1992. “It’s very clear to me that when you’re a department, a police department, a local prosecutor who has never experienced this kind of disaster before, and all of a sudden you’re facing this – you need an education as well as the victims need an education.”

Insurance Agent

Trey Hutt, president of Hutt Insurance Agency in Panama City, said homeowners who are diligent in chasing down contractors and communicating with their insurance company are better prepared to avoid fraud and get the best results. “This is not a sprint, it’s a marathon,” Hutt said. “The speed with which you move is less important than the idea that you keep your wheels in motion.” David LeBlanc, who lives in southern Louisiana’s Ascension Parish, was defrauded after an unnamed storm in 2016 left nearly 2 feet of flooding in his home. He said his contractor did not complete the work, and then placed two liens on LeBlanc’s home, which prevents homeowners from receiving insurance payments. The contractor, Matthew Morris, owner of Complete Construction Contractors, was arrested in 2017 on multiple counts of fraud. Morris has since been convicted, and his license was revoked after it was discovered Morris had previous criminal convictions. LeBlanc navigated the process himself, but victims of fraud in similar situations INSURANCEJOURNAL.COM

often are unsure of where to go for help. The National Center for Disaster Fraud call center hopes to simplify the process. “The problem with a lot of this is that the citizens don’t know what constitutes illegal activity or what’s a civil issue or what’s just an inconvenience to them,” said Rozier. “A lot of this is educating the

“

citizens on what we can and can’t do.” Jake Goodrick is a Hearst Foundation Fellow, and Peter Nicieja is a Myrta J. Pulliam Fellow.

Insurance distribution is going through significant consolidation.

Why should I be the one that is consolidated out?” You have built significant value in your agency through years of hard work. InsurBanc can help you to unlock the value to grow your agency to the next level, independently. InsurBanc can provide funding for acquisitions, perpetuations and producer development.

Continue your own legacy. Acquisition & Perpetuation Loans | Working Capital | Equipment Leasing Cash Management | Online Banking

866.467.2262 | Visit InsurBanc.com IB_Ad_Continue2_BW_4.75x7.5_11.5.15.indd 1 INSBAA16742.indd 1

11/5/15 10:35 8:12 PM 9/26/18 AM

SEPTEMBER 2, 2019 INSURANCE JOURNAL | 31

elcome to Insurance Journal’s 2019 Professional Liability Directory. We’ve compiled this directory of professional liability providers to assist independent agents and brokers in their search for markets. In today’s highly litigious world, professional liability coverages have become critical insurance for many businesses. This directory has been designed to serve as a quick reference guide that allows users to locate carriers, wholesale brokers and managing general agencies offering professional liability coverage. The information published in this directory was submitted directly by the providers and includes their contact information, Web site and states where coverage is available. For a complete listing of markets offered by providers named in this directory, visit: www.insurancejournal. com/resources and type in “professional liability” under the Excess & Surplus, “find a market” option. To submit a listing for future directories, e-mail Kristine Honey at: khoney@insurancejournal.com. We hope you find IJ’s Professional Liability Directory to be a useful tool. To comment on this directory, or any other IJ resource, please e-mail: editorial@insurancejournal.com.

Accountants Liability (continued)

Accountants Liability Company

360 Coverage Pros Agency Marketing Services All Risks, Ltd. Allsouth Professional Liability AMIS/Alliance Marketing & Insurance Services Aon Affinity Argo Pro Arlington/Roe Berkley Select Berkshire Hathaway GUARD Insurance Companies Breckenridge Insurance Services CAMICO Mutual Insurance Company CNA Cooper & McCloskey, Inc. Donald Gaddis Co., Inc. Insurance Svcs Founders Professional Fox Point Programs Global Financial & Insurance Services Insurance By Design James River Insurance Company Jamison Risk Services Keystone Insurance Services, Inc. Keystroke Underwriters Kinsale Insurance Company Landy Insurance Agency McGowan, Donnelly & Oberheu, LLC (MDO) Monarch E&S Insurance Services N-Surance Outlets, Inc. NeitClem Wholesale Insurance Brokerage, Inc. Norman-Spencer International, Inc. Philadelphia Insurance Companies Prime Insurance Company Professional Underwriters Agency, Inc.

States

All States AL CA CO FL GA KS LA MO NC NJ OH PA SC TN TX All States Multiple – please contact us. All States All States Most States IL IN KY MI MN MO OH TN WI All States Most States All States All States except AK HI MT VT WY All States Most States All States All States except AK All States (varies based on class of business) TX Most States All States All States except AK NV TX All States except HI All States + DC, Puerto Rico, Virgin Islands All States except AK & LA (includes Tax Preparers & Bookkeepers) All States AZ CA HI NV TX FL GA LA TN AZ CA NV All States All States except LA

Most States All States

32 | INSURANCE JOURNAL | NATIONAL SEPTEMBER 2, 2019

Company

Program Brokerage Corporation SIS Wholesale Insurance Services Southern Insurance Underwriters, Inc. CMGA Specialty Insurance Managers, Inc. Target Professional Programs The Hanover Insurance Group U.S. Risk Insurance Group, LLC Western Security Surplus Insurance Brokers, Inc. Western Surplus Lines Agency, Inc.

States

All States All States AL FL GA MS NC SC TN AR MO NM OK TX All States Most States All States AZ CA CO FL NV OR TX UT WA LA ND NM OK TX

Allied Health Care Professional Liability Company

Access E&S Insurance Services (VA) Admiral Insurance Group Agency Marketing Services Affinity Healthcare Agentic Insurance, LLC All Risks, Ltd. All Solutions PBS, LLC Allsouth Professional Liability AmWINS Group, Inc. - 100 Offices Nationwide Aon Affinity Appalachian Underwriters, Inc. ARC West Coast Excess & Surplus Brokerage, LLC Arlington/Roe Artex Risk Solutions, Inc. Ashley General Agency Atlantic Risk Specialists Benchmark Management Group, Inc. Braishfield Associates, Inc. Breckenridge Insurance Services

States

DC DE GA IL MD NC NJ NY OH PA SC TN TX VA All States AL CA CO FL GA KS LA MO NC NJ OH PA SC TN TX All States DC DE FL MD NJ NY PA VA All States All States Multiple – please contact us. All States All States All States All States IL IN KY MI MN MO OH TN WI (includes Social Services) All States TX All States IL IN WI All States All States INSURANCEJOURNAL.COM

Allied Health Care Professional Liability (continued) Company

States

Burns & Wilcox — All Offices All States CFC Underwriting All States Citadel Insurance Services, LC All States CNA All States Cooper & McCloskey, Inc. Most States CRC Insurance Services All States Delta General Agency Corp. TX Donald Gaddis Co., Inc. Insurance Svcs All States Eaton Professional Insurance Services CA Executive Insurance Professionals, PLLC CA OK GA TX GIC Underwriters, Inc. FL Global Financial & Insurance Services TX Gumtree Wholesale Insurance Brokers, Inc. AL AR KS KY LA MO MS TN TX Hallmark Financial Services, Inc. All States International Excess Companies All States Irwin Siegel Agency, Inc. All States J.M. Wilson AL AR FL GA IA IL IN KS KY MI MO NC NE OH OK PA SC TN VA WI WV James River Insurance Company All States Jimcor Agencies All States except IA MT ND NE SD WY Joseph Krar & Associates, Inc. CT MA RI Keating Brokerage All States Keystone Insurance Services, Inc. TX King Insurance Support Systems Nationwide M.J. Hall & Company, Inc. AK AZ CA HI NV MarketScout All States Maverick Commercial Insurance Services All States MAXIMUM All States McGowan, Donnelly & Oberheu, LLC (MDO) All States Morstan General Agency, A div of Hull & Co., Inc. All States NIF Pro All States Patriot National Underwriters, Inc. AR KS LA MS NM OK TX PBS Insurance Underwriting Corporation All States except AK KS Philadelphia Insurance Companies All States except LA Prime Insurance Company Most States Professional Liability Specialists All States Professional Program Insurance Brokerage All States Program Brokerage Corporation All States Promont Insurance Advisors All States ProWriters All States Quaker Special Risk - FL MA NJ NY offices Most States Quirk & Company LA NM OK OR TX WA RMIS AZ CA IA IL IN MI MN MO NE NM NV OH OR TX WI Rockwood Programs, Inc. All States (varies based on program) RPS Executive Lines All States RPS Healthcare All States Russell Bond & Co., Inc. Most States SCU - Middletown All States Shelly, Middlebrooks & O’Leary, Inc. AL FL GA MS NC SC TX Sierra Specialty All States Southern Insurance Underwriters, Inc. CMGA AL FL GA MS NC SC TN Specialty Insurance Managers, Inc. AR MO NM OK TX Specialty Lines Underwriters IL IN WI TAPCO Underwriters, Inc. Most States Tejas American General Agency AR LA NM OK TX Tennant Risk Svcs, a div. of Worldwide Facilities, LLC All States The Hanover Insurance Group Most States U.S. Risk Insurance Group, LLC All States USG Insurance Services, Inc. All States W. Brown & Associates Insurance Services CA Western Special Risks, Inc. AZ CA NM NV TX UT Worldwide Facilities, LLC All States

Architects & Engineers Liability Company

Access E&S Insurance Services (VA) Admiral Insurance Group Agency Marketing Services Agentic Insurance, LLC All Performance Insurance Solutions All Risks, Ltd. Allsouth Professional Liability AMIS/Alliance Marketing & Insurance Services AmWINS Group, Inc. - 100 Offices Nationwide Anderson & Murison, Inc. Aon Affinity Appalachian Underwriters, Inc.

INSURANCEJOURNAL.COM

States

DC DE GA IL MD NC NJ NY OH PA SC TN TX VA All States AL CA CO FL GA KS LA MO NC NJ OH PA SC TN TX DC DE FL MD NJ NY PA VA CA MI TX

All States

Multiple – please contact us. All States All States Nationwide All States All States

Architects & Engineers Liability (continued) Company

States

Argo Pro Most States Arlington/Roe IL IN KY MI MN MO OH TN WI ARMR.Network - Better Insurance By Design All States Ashley General Agency TX Bailey Special Risks, Inc. All States except AK HI Benchmark Management Group, Inc. IL IN WI Berkshire Hathaway GUARD Insurance Companies Most States Boston Insurance Brokerage All States Braishfield Associates, Inc. All States Breckenridge Insurance Services All States Brown & Riding All States Burns & Wilcox — All Offices All States Business Risk Partners All States Capitol Special Risks, Inc. All States CFC Underwriting All States CID Insurance Programs, Inc. AZ CA CO ID MD NE NM NV OR PA TN TX UT WA All States Citadel Insurance Services, LC (includes Oilfield Consultants PL/GL) CNA All States Commercial Sector Insurance Brokers, LLC All States Cooper & McCloskey, Inc. Most State CRC Insurance Services All States Crouse & Associates All States DFCORBY Insurance Services CA Donald Gaddis Co., Inc. Insurance Svcs All States Eaton Professional Insurance Services CA Ko Specialty Insurance Services, Inc. AZ CA FL NV NY OR UT Erickson-Larsen, Inc. MN MT ND SD WI WY Euclid Design Underwriters Most States Executive Insurance Professionals, PLLC CA OK GA TX Founders Professional All States except AK Fox Point Programs All States (varies based on class of business Freberg Environmental, Inc. All States Gorst & Compass Insurance CA Gumtree Wholesale Insurance Brokers, Inc. AL AR KS KY LA MO MS TN TX Hill Program Managers, LLC All States Indemnity Excess & Surplus Agency, Inc. Western States Intercorp, Inc. All States International Excess Companies All States Jacobs & Associates, Inc. OH James River Insurance Company All States Jimcor Agencies All States except IA MT ND NE SD WY Joseph Krar & Associates, Inc. CT MA RI Keating Brokerage All States Keystone Insurance Services, Inc. TX King Insurance Support Systems Nationwide All States + DC, Puerto Rico, Virgin Islands Kinsale Insurance Company Landmark E & S Most States M.J. Hall & Company, Inc. AK AZ CA HI NV M.J. Kelly Company AR FL IA IL KS LA MO MS NC OK SC TN TX MarketScout All States MAXIMUM All States Monarch E&S Insurance Services AZ CA HI NV TX Morstan General Agency, A div of Hull & Co., Inc. All States N-Surance Outlets, Inc. FL GA LA TN NeitClem Wholesale Insurance Brokerage, Inc. AZ CA NV Networked Insurance Agents All States New Age Underwriters Agency, Inc. All States New England Excess Exchange, Ltd.. CT MA MD ME NH NJ NY OH PA RI VT Norman-Spencer International, Inc. All States Patriot National Underwriters, Inc. AR KS LA MS NM OK TX Philadelphia Insurance Companies All States except LA Prime Insurance Company Most States Professional Insurance Concepts All States Professional Liability Brokers & Consultants, Inc. All States Professional Liability Specialists All States Professional Underwriters Agency, Inc. All States Program Brokerage Corporation All States ProWriters All States Quadrant Insurance Managers All States Quaker Special Risk - FL MA NJ NY offices Most States (includes Construction Mgrs) Quirk & Company LA NM OK OR TX WA RLI Insurance Company All States Roush Insurance Services, Inc. IL IN OH RPS Executive Lines All States RT Specialty All States SCU - Middletown All States Select Risk Services, Inc. AR AZ CA CO LA MS NM PA TX Shelly, Middlebrooks & O’Leary, Inc. AL FL GA MS NC SC TX Sierra Specialty All States SIS Wholesale Insurance Services All States SEPTEMBER 2, 2019 INSURANCE JOURNAL | NATIONAL | 33

Crime (continued)

Architects & Engineers Liability (continued) Company

Beauty/Barber Shop E&O Company

States

All Risks, Ltd. All States AMIS/Alliance Marketing & Insurance Services All States Ashley General Agency TX Baker Insurance and Bonds, LLC All States Cooper & McCloskey, Inc. Most States All States Donald Gaddis Co., Inc. Insurance Svcs Erickson-Larsen, Inc. MN MT ND SD WI WY GIC Underwriters, Inc. NJ NV NY PA OH OR SC TN TX VA WA, FL Joseph Krar & Associates, Inc. CT MA RI Norman-Spencer International, Inc. All States Philadelphia Insurance Companies All States except LA Prime Insurance Company Most States Professional Liability Ins. Svcs - Underwriting Facilities All States Professional Program Insurance Brokerage All States RMIS AZ CA IA IL IN MI MN MO NE NM NV OH OR TX WI SASSI - Salon & Spa Specialty Insurance Most States Shelly, Middlebrooks & O’Leary, Inc. AL FL GA MS NC SC TX TAPCO Underwriters, Inc. Most States USASIA Insurance Services AZ CA Western Security Surplus Insurance Brokers, Inc. AZ CA CO FL NV OR TX UT WA

Crime Company

Company

States

Southern Insurance Underwriters, Inc. CMGA AL FL GA MS NC SC TN Specialty Insurance Managers, Inc. AR MO NM OK TX Specialty Lines Underwriters IL IN WI Synergy Professional Associates, Inc. All States TAPCO Underwriters, Inc. Most States Target Professional Programs All States Tejas American General Agency AR LA NM OK TX Tennant Risk Svcs, a div. of Worldwide Facilities, LLC All States The Hanover Insurance Group Most States Tokio Marine/HCC All States (Includes Contractors PL) U.S. Risk Insurance Group, LLC All States USG Insurance Services, Inc. All States Victor O. Schinnerer & Company All States W. Brown & Associates Insurance Services CA Western Security Surplus Insurance Brokers, Inc. AZ CA CO FL NV OR TX UT WA Western Special Risks, Inc. AZ CA NM NV TX UT Western Surplus Lines Agency, Inc. LA ND NM OK TX Woodlands Insurance Services, LLC Most States Worldwide Facilities, LLC All States

States

All Risks, Ltd. All States Alliant Insurance Services All States AMIS/Alliance Marketing & Insurance Services All States Argo Pro Most States Baker Insurance and Bonds, LLC All States Brownyard Group Most States (includes first & third party dishonesty) Business Risk Partners All States Chubb All States Cochrane and Company AK AZ CA CO ID MT ND NM NV OR UT WA WY Commercial Sector Insurance Brokers, LLC All States Cooper & McCloskey, Inc. Most States Costanza Insurance Agency, Inc. All States (for Security Industry) Donald Gaddis Co., Inc. Insurance Svcs All States Eastern E&O Brokers, Inc. Most States Energi All States GIC Underwriters, Inc. FL Izzo Insurance Services, a Div of Hull & Company All States Landy Insurance Agency All States except AK & LA Networked Insurance Agents All States Norman-Spencer Agency, Inc. All States Philadelphia Insurance Companies All States except LA Prime Insurance Company Most States Professional Insurance Concepts All States Program Brokerage Corporation All States ProSurance Group, Inc. All States RPS Technology & Cyber All States RT Specialty All States (includes Kidnap & Ransom) SCU - Middletown All States Select Risk Services, Inc. AR AZ CA CO LA MS NM PA TX SIS Wholesale Insurance Services All States SWBC TX 34 | INSURANCE JOURNAL | NATIONAL SEPTEMBER 2, 2019

The Hanover Insurance Group U.S. Brokers Network, Inc. U.S. E&O Brokers U.S. Risk Insurance Group, LLC USASIA Insurance Services W. Brown & Associates Insurance Services Woodlands Insurance Services, LLC Worldwide Facilities, LLC

States

Most States All States except AK CA HI All States All States AZ CA CA Most States All States

Cyber Liability Company

360 Coverage Pros All Risks, Ltd. All Solutions PBS, LLC Alliant Insurance Services AMIS/Alliance Marketing & Insurance Services AmWINS Group, Inc. - 100 Offices Nationwide Anderson & Murison, Inc. Appalachian Underwriters, Inc. ARC West Coast Excess & Surplus Brokerage, LLC Argo Pro Arlington/Roe Atlantic Risk Specialists Bailey Special Risks, Inc. Baker Insurance and Bonds, LLC Benchmark Management Group, Inc. Braishfield Associates, Inc. Breckenridge Insurance Services Brown & Riding Brownyard Group Burns & Wilcox — All Offices Business Risk Partners Capitol Special Risks, Inc. CFC Underwriting Chubb CID Insurance Programs, Inc. Cochrane and Company Commercial Insurance Group Commercial Sector Insurance Brokers, LLC Cooper & McCloskey, Inc. CRES Insurance Services, LLC, LLC Delta General Agency Corp. DFCORBY Insurance Services Donald Gaddis Co., Inc. Insurance Svcs Eastern E&O Brokers, Inc. Eaton Professional Insurance Services eKo Specialty Insurance Services, Inc. Energi Erickson-Larsen, Inc. Executive Insurance Professionals, PLLC Gateway Specialty Insurance GIC Underwriters, Inc. Global Financial & Insurance Services Gorst & Compass Insurance Gray-Stone & Company, Inc. Great American Ins. Group - Executive Liab. Division Greenhill Insurance Services Gumtree Wholesale Insurance Brokers, Inc. Hartford Steam Boiler Inspection & Insurance Co. Heritage Specialty Insurance Agency, LP Indemnity Excess & Surplus Agency, Inc. Insurance Agents & Brokers Service Group, Inc. Intercorp, Inc. International Excess Companies Irwin Siegel Agency, Inc. IT Risk Managers, Inc. J.M. Wilson James Klein Insurance Service, Inc. Jamison Risk Services Jimcor Agencies Joseph Krar & Associates, Inc. Keating Brokerage Keystone Insurance Services, Inc. Keystroke Underwriters King Insurance Support Systems Landy Insurance Agency M.J. Hall & Company, Inc. MarketScout MAXIMUM

States

All States All States All States All States All States All States Nationwide All States All States Most States All States (includes Privacy & Security) All States All States except AK HI All States IL IN WI All States (includes Patent Infringement) All States All States Most States

All States

All States All States All States All States AZ CA CO ID MD NE NM NV OR PA TN TX UT WA AK AZ CA CO ID MT ND NM NV OR UT WA WY Most States All States Most States Most States TX CA

All States

Most States CA AZ CA FL NV NY OR UT All States MN MT ND SD WI WY CA OK GA TX All States FL TX CA Most States All States All States AL AR KS KY LA MO MS TN TX All States AR OK TX Western States DE MD PA (for Ins. Agents & Brokers only) All States All States All State All States except AK HI AL AR FL GA IA IL IN KS KY MI MO NC NE OH OK PA SC TN VA WI WV Most States All States All States except IA MT ND NE SD WY CT MA RI All States TX All States except HI Nationwide All States except AK & LA AK AZ CA HI NV All States All States INSURANCEJOURNAL.COM

Cyber Liability (continued) Company

D&O Liability (continued)

States

McGowan, Donnelly & Oberheu, LLC (MDO) All States Monarch E&S Insurance Services AZ CA HI NV TX National Association of Professional Agents (NAPA) All States Negley Associates All States Networked Insurance Agents All States New England Excess Exchange, Ltd.. CT MA MD ME NH NJ NY OH PA RI VT NIF Pro All States Norman-Spencer Agency, Inc. All States OREP - Organization of Real Estate Professionals Ins. All States Philadelphia Insurance Companies All States except LA Prime Insurance Company Most States Professional Insurance Concepts All States Professional Liability Brokers & Consultants, Inc. All States Professional Liability Ins. Svcs - Underwriting Facilities All States Program Brokerage Corporation All States ProSurance Group, Inc. All States ProWriters All States Quadrant Insurance Managers All States Rockwood Programs, Inc. All States (varies based on program) RLI Insurance Company All States RMIS AZ CA IA IL IN MI MN MO NE NM NV OH OR TX WI RPS Executive Lines All States RPS Technology & Cyber All States RT Specialty All States (includes Privacy & Security) Russell Bond & Co., Inc. Most States SASSI - Salon & Spa Specialty Insurance Most States SCU - Middletown All States Select Risk Services, Inc. AR AZ CA CO LA MS NM PA TX Sierra Specialty All States SIS Wholesale Insurance Services All States Southern Insurance Underwriters, Inc. CMGA AL FL GA MS NC SC TN Specialty Insurance Managers, Inc. AR MO NM OK TX Specialty Lines Underwriters IL IN WI TX SWBC Synergy Professional Associates, Inc. All States Tennant Risk Svcs, a div. of Worldwide Facilities, LLC All States Tokio Marine HCC Professional Lines Group All States U.S. Brokers Network, Inc. All States except AK CA HI U.S. E&O Brokers All States U.S. Risk Insurance Group, LLC All States USG Insurance Services, Inc. All States Victor O. Schinnerer & Company All States W. Brown & Associates Insurance Services CA Western Special Risks, Inc. AZ CA NM NV TX UT Western Surplus Lines Agency, Inc. LA ND NM OK TX Western World Insurance Group Most States Woodlands Insurance Services, LLC Most States Worldwide Facilities, LLC All States

D&O Liability Company

Access E&S Insurance Services (VA) Agentic Insurance, LLC All Performance Insurance Solutions

All Risks, Ltd.

All Solutions PBS, LLC Alliant Insurance Services Allsouth Professional Liability AMIS/Alliance Marketing & Insurance Services AmWINS Group, Inc. - 100 Offices Nationwide Anderson & Murison, Inc. Appalachian Underwriters, Inc. ARC West Coast Excess & Surplus Brokerage, LLC Argo Pro Arlington/Roe Ashley General Agency Atlantic Risk Specialists Bailey Special Risks, Inc. Baker Insurance and Bonds, LLC Benchmark Management Group, Inc. Berkley Select Boston Insurance Brokerage Braishfield Associates, Inc. Breckenridge Insurance Services Brown & Riding Burns & Wilcox — All Offices Business Risk Partners Capitol Special Risks, Inc. Chubb CID Insurance Programs, Inc.

INSURANCEJOURNAL.COM

States

DC DE GA IL MD NC NJ NY OH PA SC TN TX VA DC DE FL MD NJ NY PA VA CA MI TX

All States

All States All States Multiple – please contact us. All States All States Nationwide All States All States Most States IL IN KY MI MN MO OH TN WI TX All States All States except AK HI All States IL IN WI All State All States All States All States All States All States All States All States All States AZ CA CO ID MD NE NM NV OR PA TN TX UT WA

Company

Citadel Insurance Services, LC Cochrane and Company Commercial Insurance Group Commercial Sector Insurance Brokers, LLC Cooper & McCloskey, Inc. Costanza Insurance Agency, Inc. CRC Insurance Services CRES Insurance Services, LLC Crouse & Associates Delta General Agency Corp. Donald Gaddis Co., Inc. Insurance Svcs Eastern E&O Brokers, Inc. Eaton Professional Insurance Services eKo Specialty Insurance Services, Inc. Energi Executive Insurance Professionals, PLLC Founders Professional Gateway Specialty Insurance GIC Underwriters, Inc. Gorst & Compass Insurance Gray-Stone & Company, Inc. Great American Ins. Group - Executive Liab. Division Gumtree Wholesale Insurance Brokers, Inc. Hallmark Financial Services, Inc. Heritage Specialty Insurance Agency, LP Indemnity Excess & Surplus Agency, Inc. Insurance Agents & Brokers Service Group, Inc. Intercorp, Inc. IPA Risk Management, LLC Irwin Siegel Agency, Inc. IT Risk Managers, Inc. J.M. Wilson Jacobs & Associates, Inc. Jamison Risk Services Jimcor Agencies Joseph Krar & Associates, Inc. Keating Brokerage King Insurance Support Systems Kinsale Insurance Company Landy Insurance Agency M.J. Hall & Company, Inc. M.J. Kelly Company MarketScout MAXIMUM McGowan, Donnelly & Oberheu, LLC (MDO) Midlands Management Corp. Monarch E&S Insurance Services Morstan General Agency, A div of Hull & Co., Inc. Negley Associates NeitClem Wholesale Insurance Brokerage, Inc. Networked Insurance Agents New Age Underwriters Agency, Inc. New England Excess Exchange, Ltd.. NIF Pro PBS Insurance Underwriting Corporation Philadelphia Insurance Companies Prime Insurance Company Professional Governmental Underwriters Professional Insurance Concepts Professional Liability Brokers & Consultants, Inc. Professional Liability Specialists Professional Underwriters Agency, Inc. Program Brokerage Corporation ProWriters Quirk & Company Quadrant Insurance Managers Quaker Special Risk - FL MA NJ NY office RLI Insurance Company RMIS Rockwood Programs, Inc. Roush Insurance Services, Inc. RPS Executive Lines RPS Technology & Cyber RT Specialty Russell Bond & Co., Inc. SCU - Middletown Shelly, Middlebrooks & O’Leary, Inc. SIS Wholesale Insurance Services Southern Insurance Underwriters, Inc. CMGA Specialty Insurance Managers, Inc. Specialty Lines Underwriters

States

All States AK AZ CA CO ID MT ND NM NV OR UT WA WY Most States All States

Most States

All States (for Security Industry) All States Most States All States TX

All States

Most States CA AZ CA FL NV NY OR UT All States CA OK GA TX All States except AK All States FL CA Most States All States AL AR KS KY LA MO MS TN TX All States AR OK TX Western States DE MD PA (for Ins. Agents & Brokers only) All States All States All States All States except AK HI AL AR FL GA IA IL IN KS KY MI MO NC NE OH OK PA SC TN VA WI WV OH All States except AK NV All States except IA MT ND NE SD WY CT MA RI All States Nationwide (includes profit and non-profit) All States + DC, Puerto Rico, Virgin Islands All States except AK & LA AK AZ CA HI NV AR FL IA IL KS LA MO MS NC OK SC TN TX All States All States All States All States AZ CA HI NV TX All States All States AZ CA NV All States All States CT MA MD ME NH NJ NY OH PA RI VT All States All States except AK KS All States except LA Most States All States All States All States All States All States All States All States LA NM OK OR TX WA All States Most States All States AZ CA IA IL IN MI MN MO NE NM NV OH OR TX WI All States (varies based on program) IL IN OH All States All States All States (includes Private Mgmt Liability) Most States All States AL FL GA MS NC SC TX All States AL FL GA MS NC SC TN AR MO NM OK TX IL IN WI

SEPTEMBER 2, 2019 INSURANCE JOURNAL | NATIONAL | 35

D&O Liability (continued) Company

E&O (General) (continued)

States

SWBC TX TAPCO Underwriters, Inc. Most States Tejas American General Agency AR LA NM OK TX Tennant Risk Svcs, a div. of Worldwide Facilities, LLC All States The Hanover Insurance Group Most States U.S. E&O Brokers All States U.S. Risk Insurance Group, LLC All States United Educators All States USASIA Insurance Services AZ CA USG Insurance Services, Inc. All States Victor O. Schinnerer & Company All States W. Brown & Associates Insurance Services CA Western Special Risks, Inc. AZ CA NM NV TX UT Western World Insurance Group Most States Woodlands Insurance Services, LLC Most States Worldwide Facilities, LLC All States

E&O (General) Company

360 Coverage Pros Access E&S Insurance Services (VA) Agency Marketing Services Agentic Insurance, LLC All Performance Insurance Solutions All Risks, Ltd. Alliant Insurance Services Anderson & Murison, Inc. Appalachian Underwriters, Inc. ARC West Coast Excess & Surplus Brokerage, LLC ARMR.Network - Better Insurance By Design Ashley General Agency Atlantic Risk Specialists Bailey Special Risks, Inc. Baker Insurance and Bonds, LLC Benchmark Management Group, Inc. Breckenridge Insurance Services Brown & Riding Capitol Special Risks, Inc. CapSpecialty CFC Underwriting Chubb CID Insurance Programs, Inc. Citadel Insurance Services, LC CNA Cochrane and Company Commercial Insurance Group Commercial Sector Insurance Brokers, LLC Cooper & McCloskey, Inc. Costanza Insurance Agency, Inc. CRC Insurance Services CRES Insurance Services, LLC Delta General Agency Corp. DFCORBY Insurance Services Donald Gaddis Co., Inc. Insurance Svcs Eastern E&O Brokers, Inc. Eaton Professional Insurance Services eKo Specialty Insurance Services, Inc. Elite Underwriters Energi Executive Insurance Professionals, PLLC Fox Point Programs GIC Underwriters, Inc. Gorst & Compass Insurance Gray-Stone & Company, Inc. Heritage Specialty Insurance Agency, LP Houston International Insurance Group Insurance Agents & Brokers Service Group, Inc. Insurance By Design Intercorp, Inc. Irwin Siegel Agency, Inc. IT Risk Managers, Inc. J.M. Wilson James Klein Insurance Service, Inc. Jamison Risk Services Keating Brokerage Keystroke Underwriters Kinsale Insurance Company

States

All States DC DE GA IL MD NC NJ NY OH PA SC TN TX VA AL CA CO FL GA KS LA MO NC NJ OH PA SC TN TX DC DE FL MD NJ NY PA VA CA MI TX

All States

All States Nationwide All States All States All States TX All States All States except AK HI All States IL IN WI All States All States All States All States All States All States AZ CA CO ID MD NE NM NV OR PA TN TX UT WA All States All States AK AZ CA CO ID MT ND NM NV OR UT WA WY Most States All States Most States All States (for Security Industry) All States Most States TX CA All States Most States CA AZ CA FL NV NY OR UT CA FL GA All States CA OK GA TX All States (varies based on class of business) FL CA Most States AR OK TX All States except AK HI DE MD PA (for Ins. Agents & Brokers only) Most States All States All States All States except AK HI AL AR FL GA IA IL IN KS KY MI MO NC NE OH OK PA SC TN VA WI Most States All States except AK NV All States All States except HI All States + DC, Puerto Rico, Virgin Islands

36 | INSURANCE JOURNAL | NATIONAL SEPTEMBER 2, 2019

Company

States

Landy Insurance Agency All States except AK & LA M.J. Kelly Company AR FL IA IL KS LA MO MS NC OK SC TN TX Maverick Commercial Insurance Services All States Midlands Management Corp. All States National Association of Professional Agents (NAPA) All States Negley Associates All States NeitClem Wholesale Insurance Brokerage, Inc. AZ CA NV Networked Insurance Agents All States New Age Underwriters Agency, Inc. All States Norman-Spencer International, Inc. All States OREP - Organization of Real Estate Professionals Ins. All States Patriot National Underwriters, Inc. AR KS LA MS NM OK TX Personal Care & Assisted Living Insurance Center Most States Philadelphia Insurance Companies All States except LA Prime Insurance Company Most States Pro-Risk Insurance Partners, LLC Worldwide Professional Governmental Underwriters All States Professional Insurance Concepts All States Professional Liability Ins. Svcs - Underwriting Facilities All States Professional Liability Specialists All States Professional Underwriters Agency, Inc. All States Program Brokerage Corporation All States ProLawyer Insurance, LLC DC DE MD NJ NY PA ProSurance Group, Inc. All States Quadrant Insurance Managers All States RLI Insurance Company All States RMIS AZ CA IA IL IN MI MN MO NE NM NV OH OR TX WI Roush Insurance Services, Inc. IL IN OH RPS Technology & Cyber All States RT Specialty All States Russell Bond & Co., Inc. Most States SCU - Middletown All States Select Risk Services, Inc. AR AZ CA CO LA MS NM PA TX SIS Wholesale Insurance Services All States Specialty Insurance Managers, Inc. AR MO NM OK TX Specialty Lines Underwriters IL IN WI Sun Coast General Insurance Agency AZ CA CO NV OR UT SWBC TX Synergy Professional Associates, Inc. All States TAPCO Underwriters, Inc. Most States Target Professional Programs All States Tennant Risk Svcs, a div. of Worldwide Facilities, LLC All States The Hanover Insurance Group Most States Tokio Marine HCC Professional Lines Group All States Tokio Marine/HCC All States U.S. E&O Brokers All States U.S. Risk Insurance Group, LLC All States United Educators All States USG Insurance Services, Inc. All States Western Security Surplus Insurance Brokers, Inc. AZ CA CO FL NV OR TX UT WA Western Surplus Lines Agency, Inc. LA ND NM OK TX Western World Insurance Group Most States Woodlands Insurance Services, LLC Most States Worldwide Facilities, LLC All States

Employment Practices Liability (EPLI) Company

Access E&S Insurance Services (VA) All Performance Insurance Solutions All Risks, Ltd. All Solutions PBS, LLC Alliant Insurance Services Allsouth Professional Liability AMIS/Alliance Marketing & Insurance Services AmWINS Group, Inc. - 100 Offices Nationwide Anderson & Murison, Inc. ARC West Coast Excess & Surplus Brokerage, LLC Argo Pro Arlington/Roe Artex Risk Solutions, Inc. Ashley General Agency Atlantic Risk Specialists Bailey Special Risks, Inc. Baker Insurance and Bonds, LLC Benchmark Management Group, Inc. Berkley Select Boston Insurance Brokerage Braishfield Associates, Inc. Breckenridge Insurance Services Brown & Riding

States

DC DE GA IL MD NC NJ NY OH PA SC TN TX VA CA MI TX All States All States All States Multiple – please contact us. All States All States Nationwide All States Most States IL IN KY MI MN MO OH TN WI All States TX All States All States except AK HI All States IL IN WI All States All States All States All States All States INSURANCEJOURNAL.COM

Employment Practices Liability (EPLI) (continued) Company

States

Burns & Wilcox — All Offices All States Business Risk Partners All States CAMICO Mutual Insurance Company All States except AK HI MT VT WY Capitol Special Risks, Inc. All States Chubb All States CID Insurance Programs, Inc. AZ CA CO ID MD NE NM NV OR PA TN TX UT WA AK AZ CA CO ID MT ND NM NV OR UT WA WY Cochrane and Company Commercial Insurance Group Most States Commercial Sector Insurance Brokers, LLC All States Cooper & McCloskey, Inc. Most States Costanza Insurance Agency, Inc. All States (for Security Industry) CRC Insurance Services All States CRES Insurance Services, LLC Most States Crouse & Associates All States Delta General Agency Corp. TX DFCORBY Insurance Services CA Donald Gaddis Co., Inc. Insurance Svcs All States Eastern E&O Brokers, Inc. Most States Eaton Professional Insurance Services CA eKo Specialty Insurance Services, Inc. AZ CA FL NV NY OR UT Erickson-Larsen, Inc. MN MT ND SD WI WY Executive Insurance Professionals, PLLC CA OK GA TX Founders Professional All States except AK Gateway Specialty Insurance All States GIC Underwriters, Inc. FL Gorst & Compass Insurance CA Gray-Stone & Company, Inc. Most States Great American Ins. Group - Executive Liab. Division All States Gumtree Wholesale Insurance Brokers, Inc. AL AR KS KY LA MO MS TN TX Hallmark Financial Services, Inc. All States Hartford Steam Boiler Inspection & Insurance Co. All States Heritage Specialty Insurance Agency, LP AR OK TX Houston International Insurance Group All States except AK HI Indemnity Excess & Surplus Agency, Inc. Western States Insurance Agents & Brokers Service Group, Inc. DE MD PA (for Ins. Agents & Brokers only) International Excess Companies All States IPA Risk Management, LLC All States Irwin Siegel Agency, Inc. All States IT Risk Managers, Inc. All States except AK HI Izzo Insurance Services, a Div of Hull & Company All States J.M. Wilson AL AR FL GA IA IL IN KS KY MI MO NC NE OH OK PA SC TN VA WI WV Jacobs & Associates, Inc. OH James Klein Insurance Service, Inc. Most States James River Insurance Company All States Jamison Risk Services All States except AK NV Jimcor Agencies All States except IA MT ND NE SD WY Joseph Krar & Associates, Inc. CT MA RI Keystroke Underwriters All States except HI King Insurance Support Systems Nationwide Kinsale Insurance Company All States + DC, Puerto Rico, Virgin Islands M.J. Hall & Company, Inc. AK AZ CA HI N M.J. Kelly Company AR FL IA IL KS LA MO MS NC OK SC TN TX MarketScout All States Maverick Commercial Insurance Services All States MAXIMUM All States Monarch E&S Insurance Services AZ CA HI NV TX Morstan General Agency, A div of Hull & Co., Inc. All States Negley Associates All States NeitClem Wholesale Insurance Brokerage, Inc. AZ CA NV Networked Insurance Agents All States New Age Underwriters Agency, Inc. All States New England Excess Exchange, Ltd.. CT MA MD ME NH NJ NY OH PA RI VT NIF Pro All States Number One Insurance Agency MA Patriot National Underwriters, Inc. AR KS LA MS NM OK TX PBS Insurance Underwriting Corporation All States except AK KS Personal Care & Assisted Living Insurance Center Most States Philadelphia Insurance Companies All States except LA Prime Insurance Company Most States Professional Governmental Underwriters All States Professional Insurance Concepts All States Professional Liability Brokers & Consultants, Inc. All States Professional Liability Ins. Svcs - Underwriting Facilities All States Professional Liability Specialists All States Professional Underwriters Agency, Inc. All States Program Brokerage Corporation All States Quadrant Insurance Managers All States Quaker Special Risk - FL MA NJ NY offices Most States Quirk & Company LA NM OK OR TX WA RLI Insurance Company All States RMIS AZ CA IA IL IN MI MN MO NE NM NV OH INSURANCEJOURNAL.COM

Employment Practices Liability (EPLI) (continued) Company

States

OR TX WI Rockwood Programs, Inc. All States (varies based on program) Roush Insurance Services, Inc. IL IN OH RPS Executive Lines All States RPS Technology & Cyber All States RT Specialty All States Russell Bond & Co., Inc. Most States SCU - Middletown All States Shelly, Middlebrooks & O’Leary, Inc. AL FL GA MS NC SC TX Sierra Specialty All States SIS Wholesale Insurance Services All States Southern Insurance Underwriters, Inc. CMGA AL FL GA MS NC SC TN IL IN WI Specialty Lines Underwriters TX SWBC Synergy Professional Associates, Inc. All States TAPCO Underwriters, Inc. Most States Target Professional Programs All States Tejas American General Agency AR LA NM OK TX Tennant Risk Svcs, a div. of Worldwide Facilities, LLC All States The Hanover Insurance Group Most States Tokio Marine/HCC All States U.S. E&O Brokers All States U.S. Risk Insurance Group, LLC All States United Educators All States USASIA Insurance Services AZ CA Victor O. Schinnerer & Company All States W. Brown & Associates Insurance Services CA Western Security Surplus Insurance Brokers, Inc. AZ CA CO FL NV OR TX UT WA Western Special Risks, Inc. AZ CA NM NV TX UT Western Surplus Lines Agency, Inc. LA ND NM OK TX Western World Insurance Group Most States Woodlands Insurance Services, LLC Most States Worldwide Facilities, LLC All States

Environmental E&O Company

States

DC DE GA IL MD NC NJ NY OH PA SC TN TX VA Access E&S Insurance Services (VA) Agentic Insurance, LLC DC DE FL MD NJ NY PA VA All Risks, Ltd. All States Alliant Insurance Services All States Appalachian Underwriters, Inc. All States ARMR.Network - Better Insurance By Design All States Ashley General Agency TX Beacon Hill Associates, Inc. All States All States Citadel Insurance Services, LC Cochrane and Company AK AZ CA CO ID MT ND NM NV OR UT WA WY Commercial Sector Insurance Brokers, LLC All States Cooper & McCloskey, Inc. AK AZ CA CO HI IL NV NY OH OR TX WA Delta General Agency Corp. TX DFCORBY Insurance Services CA Donald Gaddis Co., Inc. Insurance Svcs All States eKo Specialty Insurance Services, Inc. AZ CA FL NV NY OR UT Energi All States Environmental Insurance Services, Inc. All States Erickson-Larsen, Inc. MN MT ND SD WI WY Executive Insurance Professionals, PLLC CA OK GA TX Freberg Environmental, Inc. All States Gray-Stone & Company, Inc. Most States Gumtree Wholesale Insurance Brokers, Inc. AL AR KS KY LA MO MS TN TX Heritage Specialty Insurance Agency, LP AR OK TX Intercorp, Inc. All States International Excess Companies All States J.M. Wilson AL AR FL GA IA IL IN KS KY MI MO NC NE OH OK PA SC TN VA WI WV Jacobs & Associates, Inc. OH James River Insurance Company All States Joseph Krar & Associates, Inc. CT MA RI Landmark E & S Most States Lomax Solutions LLC. dba Lomax Ins. Solutions All States M.J. Hall & Company, Inc. AK AZ CA HI NV M.J. Kelly Company AR FL IA IL KS LA MO MS NC OK SC TN TX MarketScout All States Maverick Commercial Insurance Services All States NeitClem Wholesale Insurance Brokerage, Inc. AZ CA NV New England Excess Exchange, Ltd.. CT MA MD ME NH NJ NY OH PA RI VT OREP - Organization of Real Estate Professionals Ins. All States Patriot National Underwriters, Inc. AR KS LA MS NM OK TX Philadelphia Insurance Companies All States except LA Prime Insurance Company Most States Professional Liability Brokers & Consultants, Inc. All States Professional Underwriters Agency, Inc. All States SEPTEMBER 2, 2019 INSURANCE JOURNAL | NATIONAL | 37

Environmental E&O Company

Financial Professionals’ Liability (continued)

(continued)

Quadrant Insurance Managers Quaker Special Risk - FL MA NJ NY office Quirk & Company Roush Insurance Services, Inc. Russell Bond & Co., Inc. Select Risk Services, Inc. Sierra Specialty Specialty Insurance Managers, Inc. Tejas American General Agency U.S. Risk Insurance Group, LLC USG Insurance Services, Inc. Victor O. Schinnerer & Company Woodlands Insurance Services, LLC

States

All States Most States LA NM OK OR TX WA IL IN OH Most States AR AZ CA CO LA MS NM PA TX All States AR MO NM OK TX AR LA NM OK TX All States All States All States Most States

Company

All Risks, Ltd. Alliant Insurance Services ARC West Coast Excess & Surplus Brokerage, LLC Argo Pro Baker Insurance and Bonds, LLC Berkley Select Business Risk Partners Chubb Cooper & McCloskey, Inc. CRC Insurance Services Donald Gaddis Co., Inc. Insurance Svcs Euclid Specialty Managers, LLC Gray-Stone & Company, Inc. Great American Ins. Group - Executive Liab. Division Hallmark Financial Services, Inc. IPA Risk Management, LLC Jamison Risk Services Negley Associates Philadelphia Insurance Companies Prime Insurance Company Professional Insurance Concepts Program Brokerage Corporation PBS Insurance Underwriting Corporation RLI Insurance Company Rockwood Programs, Inc. RPS Technology & Cyber RT Specialty SIS Wholesale Insurance Services U.S. Risk Insurance Group, LLC United Educators USASIA Insurance Services Victor O. Schinnerer & Company Western World Insurance Group Worldwide Facilities, LLC

States

All States All States All States Most States All States All States All States All States Most States All States All States All States Most States All States All States All States All States All States All States except LA Most States All States All States All States except AK KS All States All States (varies based on program) All States All States All States All States All States AZ CA All States Most States All States

Financial Professionals’ Liability Company

360 Coverage Pros Agentic Insurance, LLC All Risks, Ltd. AmWINS Group, Inc. - 100 Offices Nationwide ARC West Coast Excess & Surplus Brokerage, LLC Argo Pro Boston Insurance Brokerage

Burns & Wilcox — All Offices

Chubb Citadel Insurance Services, LC Cooper & McCloskey, Inc. CRES Insurance Services, LLC DFCORBY Insurance Services Donald Gaddis Co., Inc. Insurance Svcs Eastern E&O Brokers, Inc. Fox Point Programs IPA Risk Management, LLC Keating Brokerage McGowan, Donnelly & Oberheu, LLC (MDO) N-Surance Outlets, Inc. National Association of Professional Agents (NAPA) NeitClem Wholesale Insurance Brokerage, Inc. Philadelphia Insurance Companies Prime Insurance Company Professional Insurance Concepts Professional Liability Brokers & Consultants, Inc.

States

All States DC DE FL MD NJ NY PA VA All States All States All States Most States All States

All States

All States All States Most States Most States (includes Mortgage Brokers) CA All States Most States All States (varies based on class of business) All States All States All States FL GA LA TN All States AZ CA NV All States except LA Most States All States All States

38 | INSURANCE JOURNAL | NATIONAL SEPTEMBER 2, 2019

States

Hospital Professional Liability

Fiduciary Liability Insurance

Professional Liability Specialists All States Program Brokerage Corporation All States ProSurance Group, Inc. All States RLI Insurance Company All States RPS Executive Lines All States RT Specialty All States SIS Wholesale Insurance Services All States Target Professional Programs All States Tennant Risk Svcs, a div. of Worldwide Facilities, LLC All States U.S. E&O Brokers All States U.S. Risk Insurance Group, LLC All States

Company

All Risks, Ltd. Artex Risk Solutions, Inc. Breckenridge Insurance Services Burns & Wilcox — All Offices Citadel Insurance Services, LC CNA Cooper & McCloskey, Inc. Donald Gaddis Co., Inc. Insurance Svcs Elite Underwriters Hallmark Financial Services, Inc. Maverick Commercial Insurance Services Negley Associates Patriot National Underwriters, Inc. PBS Insurance Underwriting Corporation Prime Insurance Company RPS Healthcare U.S. Risk Insurance Group, LLC Worldwide Facilities, LLC

States

All States All States All States All States All States All States Most States All States CA FL GA All States All States All States AR KS LA MS NM OK TX All States except AK KS Most States All States All States All States

Insurance Agents & Brokers Prof. Liability Company

360 Coverage Pros Admiral Insurance Group Agency Marketing Services All Risks, Ltd. All Solutions PBS, LLC Allsouth Professional Liability AMIS/Alliance Marketing & Insurance Services Aon Affinity Appalachian Underwriters, Inc. Ashley General Agency Atlantic Risk Specialists Bailey Special Risks, Inc. Braishfield Associates, Inc. Business Risk Partners Capitol Special Risks, Inc. CapSpecialty Cochrane and Company Commercial Sector Insurance Brokers, LLC Cooper & McCloskey, Inc. Crouse & Associates Delta General Agency Corp. Donald Gaddis Co., Inc. Insurance Svcs Eastern E&O Brokers, Inc. eKo Specialty Insurance Services, Inc. Elite Underwriters Erickson-Larsen, Inc. Founders Professional Gorst & Compass Insurance Gumtree Wholesale Insurance Brokers, Inc. Houston International Insurance Group Indemnity Excess & Surplus Agency, Inc. Insurance Agents & Brokers Service Group, Inc. Insurance By Design International Excess Companies IPA Risk Management, LLC Irwin Siegel Agency, Inc. IT Risk Managers, Inc. Jacobs & Associates, Inc. James Klein Insurance Service, Inc. James River Insurance Company Jamison Risk Services Keating Brokerage Keystroke Underwriters

States

All States All States AL CA CO FL GA KS LA MO NC NJ OH PA SC TN TX

All States

All States Multiple – please contact us. All States All States All States TX All States All States except AK HI All States All States All States All States AK AZ CA CO ID MT ND NM NV OR UT WA WY All States

Most States All States TX

All States

Most States AZ CA FL NV NY OR UT CA FL GA MN MT ND SD WI WY All States except AK CA AL AR KS KY LA MO MS TN TX All States except AK HI Western States DE MD PA Most States All States All States All States All States except AK HI OH Most States All States All States except AK NV All States All States except HI INSURANCEJOURNAL.COM

Lawyers Liability (continued)

Insurance Agents & Brokers Prof. Liability (continued) Company

Lawyers Liability Company

360 Coverage Pros Agency Marketing Services All Risks, Ltd. All Solutions PBS, LLC Alliant Insurance Services Allsouth Professional Liability AmWINS Group, Inc. - 100 Offices Nationwide Aon Affinity Argo Pro Arlington/Roe Atlantic Risk Specialists Berkley Select Berkshire Hathaway GUARD Insurance Companies Boston Insurance Brokerage Brown & Riding Burns & Wilcox — All Offices Capitol Special Risks, Inc. CID Insurance Programs, Inc. CNA Cochrane and Company Cooper & McCloskey, Inc. CRC Insurance Services Crouse & Associates DFCORBY Insurance Services Donald Gaddis Co., Inc. Insurance Svcs Founders Professional Gorst & Compass Insurance Gray-Stone & Company, Inc. Grayhawk General Agency, Inc. Gumtree Wholesale Insurance Brokers, Inc. Insurance By Design Intercorp, Inc. IPA Risk Management, LLC James Klein Insurance Service, Inc. INSURANCEJOURNAL.COM

Company

States

King Insurance Support Systems Nationwide Kinsale Insurance Company All States + DC, Puerto Rico, Virgin Islands MAXIMUM All States McGowan, Donnelly & Oberheu, LLC (MDO) All States Monarch E&S Insurance Services AZ CA HI NV TX N-Surance Outlets, Inc. FL GA LA TN National Association of Professional Agents (NAPA) All States NeitClem Wholesale Insurance Brokerage, Inc. AZ CA NV New Age Underwriters Agency, Inc. All States NIF Pro All States Norman-Spencer International, Inc. All States Number One Insurance Agency MA PBS Insurance Underwriting Corporation All States except AK KS Personal Care & Assisted Living Insurance Center Most States Prime Insurance Company Most States Professional Insurance Concepts All States Professional Liability Ins. Svcs - Underwriting Facilities All States Professional Underwriters Agency, Inc. All States Program Brokerage Corporation All States ProSurance Group, Inc. All States ProWriters All States Quadrant Insurance Managers All States Quaker Special Risk - FL MA NJ NY office Most States Rockwood Programs, Inc. All States (varies based on program) RPS Executive Lines All States RPS Plus Companies All States Shelly, Middlebrooks & O’Leary, Inc. AL FL GA MS NC SC TX Sierra Specialty All States SIS Wholesale Insurance Services All States Southern Insurance Underwriters, Inc. CMGA AL FL GA MS NC SC TN Sun Coast General Insurance Agency AZ CA CO NV OR UT Synergy Professional Associates, Inc. All States TAPCO Underwriters, Inc. Most States Target Professional Programs All States Tejas American General Agency AR LA NM OK TX Tennant Risk Svcs, a div. of Worldwide Facilities, LLC All States Tokio Marine HCC Professional Lines Group All States U.S. Brokers Network, Inc. All States except AK CA HI U.S. E&O Brokers All States U.S. Risk Insurance Group, LLC All States W. Brown & Associates Insurance Services CA Western Security Surplus Insurance Brokers, Inc. AZ CA CO FL NV OR TX UT WA

States

All States AL CA CO FL GA KS LA MO NC NJ OH PA SC TN TX

All States

All States All States Multiple – please contact us. All States All States= Most States IL IN KY MI MN MO OH TN WI All States All States Most States All States All States All States All States AZ CA CO ID MD NE NM NV OR PA TN TX UT WA All States AK AZ CA CO ID MT ND NM NV OR UT WA WY

Most States

All States All States CA All States All States except AK CA Most States AZ CO ID NM NV TX UT WA AL AR KS KY LA MO MS TN TX Most States All States All States Most States

States

James River Insurance Company All States Jamison Risk Services All States except AK NV Jimcor Agencies All States except IA MT ND NE SD WY Keystone Insurance Services, Inc. TX Kinsale Insurance Company All States + DC, Puerto Rico, Virgin Islands Landy Insurance Agency All States except AK & LA Lawyer’s Protector Plan All States except AK HI LA OR WV WY M.J. Hall & Company, Inc. AK AZ CA HI NV MAXIMUM All States McGowan, Donnelly & Oberheu, LLC (MDO) All States Monarch E&S Insurance Services AZ CA HI NV TX NeitClem Wholesale Insurance Brokerage, Inc. AZ CA NV New Age Underwriters Agency, Inc. All States Number One Insurance Agency MA Prime Insurance Company Most States Professional Insurance Concepts All States Professional Liability Brokers & Consultants, Inc. All States Professional Underwriters Agency, Inc. All States Program Brokerage Corporation All States ProLawyer Insurance, LLC DC DE MD NJ NY PA Quaker Special Risk - FL MA NJ NY office Most States RPS Plus Companies All States RT Specialty All States Russell Bond & Co., Inc. Most States Sierra Specialty All States SIS Wholesale Insurance Services All States Synergy Professional Associates, Inc. All States Target Professional Programs All States Tejas American General Agency AR LA NM OK TX Tennant Risk Svcs, a div. of Worldwide Facilities, LLC All States The Hanover Insurance Group Most States Tokio Marine/HCC All States U.S. Risk Insurance Group, LLC All States Western Security Surplus Insurance Brokers, Inc. AZ CA CO FL NV OR TX UT WA Worldwide Facilities, LLC All States

Managed Health Care Professional Liability Company

Affinity Healthcare Agentic Insurance, LLC All Risks, Ltd. ARC West Coast Excess & Surplus Brokerage, LLC Artex Risk Solutions, Inc. Atlantic Risk Specialists Capitol Special Risks, Inc. Cooper & McCloskey, Inc. Donald Gaddis Co., Inc. Insurance Svcs Erickson-Larsen, Inc. Irwin Siegel Agency, Inc. Magnolia LTC Maverick Commercial Insurance Services Prime Insurance Company Promont Insurance Advisors RPS Healthcare SIS Wholesale Insurance Services U.S. Risk Insurance Group, LLC Worldwide Facilities, LLC

States

All States DC DE FL MD NJ NY PA VA All States All States All States All States All States Most States All States MN MT ND SD WI WY All States CA All States Most States All States All States All States All States All States

Media Professional Liability Company

Agentic Insurance, LLC All Risks, Ltd. All Solutions PBS, LLC Anderson & Murison, Inc. ARC West Coast Excess & Surplus Brokerage, LLC Atlantic Risk Specialists Bailey Special Risks, Inc. Boston Insurance Brokerage CFC Underwriting Chubb Cooper & McCloskey, Inc. Crouse & Associates Donald Gaddis Co., Inc. Insurance Svcs Eaton Professional Insurance Services eKo Specialty Insurance Services, Inc. Elite Underwriters Fox Point Programs IT Risk Managers, Inc. Jacobs & Associates, Inc.

States

DC DE FL MD NJ NY PA VA All States All States Nationwide All States All States All States except AK HI All States All States All States Most States All States All States CA AZ CA FL NV NY OR UT CA FL GA All States (varies based on class of business) All States except AK HI OH

SEPTEMBER 2, 2019 INSURANCE JOURNAL | NATIONAL | 39

Media Professional Liability (continued) Company

States

Jimcor Agencies All States except IA MT ND NE SD WY Keystone Insurance Services, Inc. TX M.J. Kelly Company AR FL IA IL KS LA MO MS NC OK SC TN TX Morstan General Agency, A div of Hull & Co., Inc. All States NeitClem Wholesale Insurance Brokerage, Inc. AZ CA NV Networked Insurance Agents All States Prime Insurance Company Most States| Pro-Praxis Insurance (division of CRC) All States Pro-Risk Insurance Partners, LLC Worldwide Professional Liability Brokers & Consultants, Inc. All States Professional Liability Specialists All States ProWriters All States Quadrant Insurance Managers All States Quirk & Company LA NM OK OR TX WA RMIS AZ CA IA IL IN MI MN MO NE NM NV OH OR TX W SCU - Middletown All States SIS Wholesale Insurance Services All States Tennant Risk Svcs, a div. of Worldwide Facilities, LLC All States Tokio Marine/HCC All States W. Brown & Associates Insurance Services CA Western Special Risks, Inc. AZ CA NM NV TX UT

Medical Professional Liability (Med Mal) Company

States

Access E&S Insurance Services (VA) DC DE GA IL MD NC NJ NY OH PA SC TN TX VA Affinity Healthcare All States Agency Marketing Services AL CA CO FL GA KS LA MO NC NJ OH PA SC TN TX All Risks, Ltd. All States Aon Affinity All States Arlington/Roe IL IN KY MI MN MO OH TN WI Artex Risk Solutions, Inc. All States Breckenridge Insurance Services All States Brown & Riding All States Boston Insurance Brokerage All States Citadel Insurance Services, LC All States CNA All States Cooper & McCloskey, Inc. Most States CRC Insurance Services All States Crouse & Associates All States Delta General Agency Corp. TX Donald Gaddis Co., Inc. Insurance Svcs All States Eaton Professional Insurance Services CA Elite Underwriters CA FL GA Fox Point Programs All States (varies based on class of business) Gray-Stone & Company, Inc. Most States Greenhill Insurance Services All States Hallmark Financial Services, Inc. All States Indemnity Excess & Surplus Agency, Inc. Western States J.M. Wilson AL AR FL GA IA IL IN KS KY MI MO NC NE OH OK PA SC TN VA WI WV Most States James Klein Insurance Service, Inc. Keystone Insurance Services, Inc. TX Kinsale Insurance Company All States + DC, Puerto Rico, Virgin Islands Magnolia LTC CA MarketScout All States Maverick Commercial Insurance Services All States Monarch E&S Insurance Services AZ CA HI NV TX NeitClem Wholesale Insurance Brokerage, Inc. AZ CA NV New Age Underwriters Agency, Inc. All States Patriot National Underwriters, Inc. AR KS LA MS NM OK TX PBS Insurance Underwriting Corporation All States except AK KS Prime Insurance Company Most States Professional Liability Brokers & Consultants, Inc. All States Professional Program Insurance Brokerage All States Promont Insurance Advisors All States Psych Professional Liability, a div of Frenkel & Co. All States (Psychoanalysts, Psychiatrists, Psychologists, Social Workers) Quaker Special Risk - FL MA NJ NY Most States Rockwood Programs, Inc. All States (varies based on program) Roush Insurance Services, Inc. IL IN OH RPS Healthcare All States RT Specialty All States Russell Bond & Co., Inc. Most States SIS Wholesale Insurance Services All States Tennant Risk Svcs, a div. of Worldwide Facilities, LLC All States U.S. Risk Insurance Group, LLC All States USG Insurance Services, Inc. All States Wholesale Connection Insurance Services CA Worldwide Facilities, LLC All States 40 | INSURANCE JOURNAL | NATIONAL SEPTEMBER 2, 2019

Misc. Professional Liability - Medical Fields Company

States

Access E&S Insurance Services (VA) DC DE GA IL MD NC NJ NY OH PA SC TN TX VA Admiral Insurance Group All States Affinity Healthcare All States Agency Marketing Services AL CA CO FL GA KS LA MO NC NJ OH PA SC TN TX All Risks, Ltd. All States Allsouth Professional Liability Multiple – please contact us. Appalachian Underwriters, Inc. All States Artex Risk Solutions, Inc. All States Bailey Special Risks, Inc. All States except AK HI Berkley Select All States Boston Insurance Brokerage All States Braishfield Associates, Inc. All States (Assisted Living, Home Healthcare, Mental Health) CapSpecialty All States CID Insurance Programs, Inc. AZ CA CO ID MD NE NM NV OR PA TN TX UT WA Cooper & McCloskey, Inc. Most States Donald Gaddis Co., Inc. Insurance Svcs All States Erickson-Larsen, Inc. MN MT ND SD WI WY Global Financial & Insurance Services TX Gorst & Compass Insurance CA Greenhill Insurance Services All States Hallmark Financial Services, Inc. All States Heritage Specialty Insurance Agency, LP AR OK TX IPA Risk Management, LLC All States International Excess Companies All States Irwin Siegel Agency, Inc. All States James Klein Insurance Service, Inc. Most States James River Insurance Company All States M.J. Kelly Company AR FL IA IL KS LA MO MS NC OK SC TN TX Maverick Commercial Insurance Services All States Morstan General Agency, A div of Hull & Co., Inc. All States Negley Associates All States NIF Pro All States Norman-Spencer International, Inc. All States Patriot National Underwriters, Inc. AR KS LA MS NM OK TX PBS Insurance Underwriting Corporation All States except AK KS Prime Insurance Company Most States Professional Liability Ins. - Underwriting Facilities All States Professional Program Insurance Brokerage All States Promont Insurance Advisors All States Psych Professional Liability, a div of Frenkel & Co. All States (Psychoanalysts, Psychiatrists, Psychologists, Social Workers Quaker Special Risk - FL MA NJ NY Most States Rockwood Programs, Inc. All States (varies based on program) RPS Healthcare All States Russell Bond & Co., Inc. Most States SIS Wholesale Insurance Services All States Sports & Fitness Insurance Corporation All States TAPCO Underwriters, Inc. Most States Tennant Risk Svcs, a div. of Worldwide Facilities, LLC All States U.S. Risk Insurance Group, LLC All States USASIA Insurance Services AZ CA Western Security Surplus Insurance Brokers, Inc. AZ CA CO FL NV OR TX UT WA Western Surplus Lines Agency, Inc. LA ND NM OK TX Worldwide Facilities, LLC All States

Miscellaneous Professional Liability Company

Access E&S Insurance Services (VA) Admiral Insurance Group Agency Marketing Services Agentic Insurance, LLC All Performance Insurance Solutions All Risks, Ltd. All Solutions PBS, LLC Allsouth Professional Liability AMIS/Alliance Marketing & Insurance Services AmWINS Group, Inc. - 100 Offices Nationwide Anderson & Murison, Inc. Appalachian Underwriters, Inc. Argo Pro Arlington/Roe ARMR.Network - Better Insurance By Design Ashley General Agency Baker Insurance and Bonds, LLC Benchmark Management Group, Inc. Berkley Select

States

DC DE GA IL MD NC NJ NY OH PA SC TN TX VA All States AL CA CO FL GA KS LA MO NC NJ OH PA SC TN TX DC DE FL MD NJ NY PA V CA MI TX All States All States Multiple – please contact us. All States All States Nationwide All States Most States IL IN KY MI MN MO OH TN WI All States TX All States IL IN WI All States INSURANCEJOURNAL.COM

Miscellaneous Professional Liability (continued) Company

States

Berkshire Hathaway GUARD Insurance Companies Most States Boston Insurance Brokerage All States Braishfield Associates, Inc. All States Brown & Riding All States Brownyard Group Most States Burns & Wilcox — All Offices All States Business Risk Partners All States Capitol Special Risks, Inc. All States CapSpecialty All States CFC Underwriting All States Chubb All States CID Insurance Programs, Inc. AZ CA CO ID MD NE NM NV OR PA TN TX UT WA Citadel Insurance Services, LC All States (includes Oilfield Consultants PL/GL) CNA All States Commercial Insurance Group Most States Commercial Sector Insurance Brokers, LLC All States Cooper & McCloskey, Inc. Most States Costanza Insurance Agency, Inc. All States (for Security Industry) CRC Insurance Services All States CRES Insurance Services, LLC Most States Crouse & Associates All States Delta General Agency Corp. TX Donald Gaddis Co., Inc. Insurance Svcs All States Eastern E&O Brokers, Inc. Most States eKo Specialty Insurance Services, Inc. AZ CA FL NV NY OR UT Energi All States Executive Insurance Professionals, PLLC CA OK GA TX Fox Point Programs Varies by Class (includes Mortgage Brokers) GIC Underwriters, Inc. FL Gray-Stone & Company, Inc. Most States Great American Ins. Group - Executive Liability Div. All States Gumtree Wholesale Insurance Brokers, Inc. AL AR KS KY LA MO MS TN TX Hallmark Financial Services, Inc. All States Hartford Steam Boiler Inspection & Insurance Co. All States Heritage Specialty Insurance Agency, LP AR OK TX Houston International Insurance Group All States except AK HI Indemnity Excess & Surplus Agency, Inc. Western States Insurance Agents & Brokers Service Group, Inc. DE MD PA (for Ins. Agents & Brokers only) Insurance By Design Most States Intercorp, Inc. All States International Excess Companies All States Irwin Siegel Agency, Inc. All States IT Risk Managers, Inc. All States except AK HI Izzo Insurance Services, a Div of Hull & Company All States (includes Security Guards/Patrol) J.M. Wilson AL AR FL GA IA IL IN KS KY MI MO NC NE OH OK PA SC TN VA WI WV Jacobs & Associates, Inc. OH James Klein Insurance Service, Inc. Most States James River Insurance Company All States Jamison Risk Services All States except AK NV Jimcor Agencies All States except IA MT ND NE SD WY Joseph Krar & Associates, Inc. CT MA RI Keating Brokerage All States Keystroke Underwriters All States except HI King Insurance Support Systems Nationwide Kinsale Insurance Company All States + DC, Puerto Rico, Virgin Islands Landy Insurance Agency All States except AK & LA M.J. Hall & Company, Inc. AK AZ CA HI NV M.J. Kelly Company AR FL IA IL KS LA MO MS NC OK SC TN TX Magnolia LTC CA MarketScout All States Maverick Commercial Insurance Services All States MAXIMUM All States Monarch E&S Insurance Services AZ CA HI NV TX Morstan General Agency, A div of Hull & Co., Inc. All States N-Surance Outlets, Inc. FL GA LA TN Negley Associates All States NeitClem Wholesale Insurance Brokerage, Inc. AZ CA NV Networked Insurance Agents All States New Age Underwriters Agency, Inc. All States New England Excess Exchange, Ltd.. CT MA MD ME NH NJ NY OH PA RI VT NIF Pro All States Norman-Spencer Agency, Inc. All States Norman-Spencer International, Inc. All States OREP - Organization of Real Estate Professionals Ins. All States Patriot National Underwriters, Inc. AR KS LA MS NM OK TX PBS Insurance Underwriting Corporation All States except AK KS Philadelphia Insurance Companies All States except LA Prime Insurance Company Most States Pro-Risk Insurance Partners, LLC Worldwide Professional Insurance Concepts All States INSURANCEJOURNAL.COM

Miscellaneous Professional Liability (continued) Company

States

Professional Liability Ins. Svcs - Underwriting Facilities All States Professional Program Insurance Brokerage All States Professional Liability Specialists All States Professional Underwriters Agency, Inc. All States ProWriters All States Quadrant Insurance Managers All States (includes Insurance Companies) Quaker Special Risk - FL MA NJ NY office Most States Quirk & Company LA NM OK OR TX WA RLI Insurance Company All States RMIS AZ CA IA IL IN MI MN MO NE NM NV OH OR TX WI Roush Insurance Services, Inc. IL IN OH RPS Executive Lines All States RPS Technology & Cyber All States RT Specialty All States Russell Bond & Co., Inc. Most States SASSI - Salon & Spa Specialty Insurance Most States Select Risk Services, Inc. AR AZ CA CO LA MS NM PA TX Shelly, Middlebrooks & O’Leary, Inc. AL FL GA MS NC SC TX Sierra Specialty All States SIS Wholesale Insurance Services All States Southern Insurance Underwriters, Inc. CMGA AL FL GA MS NC SC TN Specialty Insurance Managers, Inc. AR MO NM OK TX Specialty Lines Underwriters IL IN WI Sports & Fitness Insurance Corporation All States (includes Fitness Professional) Sun Coast General Insurance Agency AZ CA CO NV OR UT SWBC TX Synergy Professional Associates, Inc. All States Target Professional Programs All State Tejas American General Agency AR LA NM OK TX Tennant Risk Svcs, a div. of Worldwide Facilities, LLC All States The Hanover Insurance Group Most States The Mechanic Group, All States (Security Guards, Alarm & Electronic Security firms, PI’s, a Division of Specialty Programs Group LLC Background Screeners) Tokio Marine HCC Professional Lines Group All States Tokio Marine/HCC All States U.S. E&O Brokers All States U.S. Risk Insurance Group, LLC All States United Educators All States USASIA Insurance Services AZ CA USG Insurance Services, Inc. All States W. Brown & Associates Insurance Services CA Western Security Surplus Insurance Brokers, Inc. AZ CA CO FL NV OR TX UT WA Western Special Risks, Inc. AZ CA NM NV TX UT Western Surplus Lines Agency, Inc. LA ND NM OK TX Western World Insurance Group Most States Woodlands Insurance Services, LLC Most States

Nonprofits’ Liability Company

All Risks, Ltd. All Solutions PBS, LLC AMIS/Alliance Marketing & Insurance Services Anderson & Murison, Inc. Aon Affinity Baker Insurance and Bonds, LLC Benchmark Management Group, Inc. Berkley Select CFC Underwriting Chubb Cochrane and Company Cooper & McCloskey, Inc. Donald Gaddis Co., Inc. Insurance Svcs Eastern E&O Brokers, Inc. Eaton Professional Insurance Services Energi Erickson-Larsen, Inc. Euclid Specialty Managers, LLC Executive Insurance Professionals, PLLC Gateway Specialty Insurance Gray-Stone & Company, Inc. Great American Ins. Group - Executive Liab. Division Heritage Specialty Insurance Agency, LP Indemnity Excess & Surplus Agency, Inc. Irwin Siegel Agency, Inc. J.M. Wilson Jacobs & Associates, Inc. Joseph Krar & Associates, Inc.

States

All States All States All State Nationwide All States All States IL IN WI All States All States All States AK AZ CA CO ID MT ND NM NV OR UT WA WY AK AZ CA CO HI IL NV NY OH OR TX WA All States Most States CA All States MN MT ND SD WI WY All States (includes Labor PL Insurance) CA OK GA TX All States Most States All States AR OK TX Western States All States AL AR FL GA IA IL IN KS KY MI MO NC NE OH OK PA SC TN VA WI WV OH CT MA RI

SEPTEMBER 2, 2019 INSURANCE JOURNAL | NATIONAL | 41

Public Officials Liability (continued)

Nonprofits’ Liability (continued) Company

States

King Insurance Support Systems Nationwide M.J. Hall & Company, Inc. AK AZ CA HI NV M.J. Kelly Company AR FL IA IL KS LA MO MS NC OK SC TN TX Morstan General Agency, A div of Hull & Co., Inc. All States Negley Associates All States NeitClem Wholesale Insurance Brokerage, Inc. AZ CA NV Networked Insurance Agents All States New England Excess Exchange, Ltd.. CT MA MD ME NH NJ NY OH PA RI VT NIF Pro All States Philadelphia Insurance Companies All States except LA Prime Insurance Company Most States Professional Insurance Concepts All States Quirk & Company LA NM OK OR TX WA RLI Insurance Company All States RMIS AZ CA IA IL IN MI MN MO NE NM NV OH OR TX WI Rockwood Programs, Inc. All States (varies based on program) Roush Insurance Services, Inc. IL IN OH RT Specialty All States Shelly, Middlebrooks & O’Leary, Inc. AL FL GA MS NC SC TX SIS Wholesale Insurance Services All States Southern Insurance Underwriters, Inc. CMGA AL FL GA MS NC SC TN AR MO NM OK TX Specialty Insurance Managers, Inc. Specialty Lines Underwriters IL IN WI Tennant Risk Svcs, a div. of Worldwide Facilities, LLC All States U.S. Risk Insurance Group, LLC All States United Educators All States USASIA Insurance Services AZ CA USG Insurance Services, Inc. All States Victor O. Schinnerer & Company All States Western Special Risks, Inc. AZ CA NM NV TX UT Western World Insurance Group Most States Woodlands Insurance Services, LLC Most States Worldwide Facilities, LLC All States

Physicians Professional Liability Company

States

Admiral Insurance Group All States Affinity Healthcare All States All Risks, Ltd. All States Alliant Insurance Services All States Aon Affinity All States Artex Risk Solutions, Inc. All States Breckenridge Insurance Services All States CNA All States Cooper & McCloskey, Inc. Most States Donald Gaddis Co., Inc. Insurance Svcs All States Elite Underwriters CA FL GA Founders Professional All States except AK Greenhill Insurance Services All States Hallmark Financial Services, Inc. All States IPA Risk Management, LLC All States James River Insurance Company All States Keystone Insurance Services, Inc. TX Kinsale Insurance Company All States + DC, Puerto Rico, Virgin Islands Maverick Commercial Insurance Services All States Negley Associates All States PBS Insurance Underwriting Corporation All States except AK KS Philadelphia Insurance Companies All States except LA Prime Insurance Company Most States ProSurance Group, Inc. All States Rockwood Programs, Inc. All States (varies based on program) RPS Healthcare All States SIS Wholesale Insurance Services All States Tennant Risk Svcs, a div. of Worldwide Facilities, LLC All States U.S. Risk Insurance Group, LLC All States Western Security Surplus Insurance Brokers, Inc. AZ CA CO FL NV OR TX UT WA Worldwide Facilities, LLC All States

Public Officials Liability Company

All Risks, Ltd. Artex Risk Solutions, Inc. Bailey Special Risks, Inc. Cooper & McCloskey, Inc. Donald Gaddis Co., Inc. Insurance Svcs Energi Euclid Public Sector Midlands Management Corp.

States

All States All States All States except AK HI Most States All States All States Most States All States

42 | INSURANCE JOURNAL | NATIONAL SEPTEMBER 2, 2019

Company

States

NIF Pro All States Prime Insurance Company Most States Professional Governmental Underwriters All States (includes Law Enforcement & School Board Liability w/ EPL) Roush Insurance Services, Inc. IL IN OH RPS Executive Lines All States RT Specialty All States U.S. Risk Insurance Group, LLC All States Victor O. Schinnerer & Company All States Western World Insurance Group Most States

Real Estate Agents’ Liability Company

States

360 Coverage Pros All States All Risks, Ltd. All States Anderson & Murison, Inc. Nationwide Appalachian Underwriters, Inc. All States Benchmark Management Group, Inc. IL IN WI Braishfield Associates, Inc. All States Brown & Riding All States Business Risk Partners All States CID Insurance Programs, Inc. AZ CA CO ID MD NE NM NV OR PA TN TX UT WA CNA All States Commercial Sector Insurance Brokers, LLC All States Cooper & McCloskey, Inc. Most States CRES Insurance Services, LLC Most States (includes Firms/Brokers) Crouse & Associates All States DFCORBY Insurance Services CA Donald Gaddis Co., Inc. Insurance Svcs All States Eastern E&O Brokers, Inc. Most States Elite Underwriters CA FL GA Executive Insurance Professionals, PLLC CA OK GA TX Fox Point Programs All States (varies based on class of business) GIC Underwriters, Inc. FL Gorst & Compass Insurance CA Heritage Specialty Insurance Agency, LP AR OK TX Houston International Insurance Group All States except AK HI Insurance By Design Most States Intercorp, Inc. All States IPA Risk Management, LLC All States IT Risk Managers, Inc. All States except AK HI Jacobs & Associates, Inc. OH Jimcor Agencies All States except IA MT ND NE SD WY Keating Brokerage All States Keystone Insurance Services, Inc. TX King Insurance Support Systems Nationwide All States except AK & LA (includes Real Landy Insurance Agency Estate Appraisers E&O) MAXIMUM All States McGowan, Donnelly & Oberheu, LLC (MDO) All States Morstan General Agency, A div of Hull & Co., Inc. All States N-Surance Outlets, Inc. FL GA LA TN National Association of Professional Agents (NAPA) All States NeitClem Wholesale Insurance Brokerage, Inc. AZ CA NV New Age Underwriters Agency, Inc. All States New England Excess Exchange, Ltd.. CT MA MD ME NH NJ NY OH PA RI VT Norman-Spencer Agency, Inc. All States OREP - Organization of Real Estate Professionals Ins. All States Prime Insurance Company Most States Professional Insurance Concepts All States Professional Liability Brokers & Consultants, Inc. All States (Mortgage Brokers specifically) Professional Liability Ins. Svcs - Underwriting Facilities All States ProWriters All States Quaker Special Risk - FL MA NJ NY office Most States Quirk & Company LA NM OK OR TX WA RMIS AZ CA IA IL IN MI MN MO NE NM NV OH OR TX W SCU - Middletown All States Shelly, Middlebrooks & O’Leary, Inc. AL FL GA MS NC SC TX Sierra Specialty All States SIS Wholesale Insurance Services All States Southern Insurance Underwriters, Inc. CMGA AL FL GA MS NC SC TN Specialty Insurance Managers, Inc. AR MO NM OK TX Specialty Lines Underwriters IL IN WI Sun Coast General Insurance Agency AZ CA CO NV OR UT Synergy Professional Associates, Inc. All States TAPCO Underwriters, Inc. Most States Tejas American General Agency AR LA NM OK TX Tennant Risk Svcs, a div. of Worldwide Facilities, LLC All States

INSURANCEJOURNAL.COM

Real Estate Agents’ Liability (continued) Company

States

Tokio Marine HCC Professional Lines Group All States Tokio Marine/HCC All States U.S. Risk Insurance Group, LLC All States USASIA Insurance Services AZ CA USG Insurance Services, Inc. All States Victor O. Schinnerer & Company All States Western Special Risks, Inc. AZ CA NM NV TX UT Western Surplus Lines Agency, Inc. LA ND NM OK TX Western World Insurance Group Most States

Technology E&O Company

Access E&S Insurance Services (VA) Admiral Insurance Group Agentic Insurance, LLC All Risks, Ltd. All Solutions PBS, LLC AmWINS Group, Inc. - 100 Offices Nationwide Anderson & Murison, Inc. ARC West Coast Excess & Surplus Brokerage, LLC Arlington/Roe Ashley General Agency Atlantic Risk Specialists Bailey Special Risks, Inc. Baker Insurance and Bonds, LLC Benchmark Management Group, Inc. Boston Insurance Brokerage Braishfield Associates, Inc. Brown & Riding Burns & Wilcox — All Offices Business Risk Partners CapSpecialty CFC Underwriting CID Insurance Programs, Inc. Citadel Insurance Services, LC Cochrane and Company Cooper & McCloskey, Inc. CRC Insurance Services Crouse & Associates DFCORBY Insurance Services Donald Gaddis Co., Inc. Insurance Svcs Eaton Professional Insurance Services eKo Specialty Insurance Services, Inc. Energi Founders Professional Fox Point Programs GIC Underwriters, Inc. Global Financial & Insurance Services Gumtree Wholesale Insurance Brokers, Inc. Heritage Specialty Insurance Agency, LP Indemnity Excess & Surplus Agency, Inc. Intercorp, Inc. International Excess Companies IPA Risk Management, LLC IT Risk Managers, Inc. J.M. Wilson Jacobs & Associates, Inc. James Klein Insurance Service, Inc. Jimcor Agencies Joseph Krar & Associates, Inc. Keating Brokerage Keystone Insurance Services, Inc. Keystroke Underwriters King Insurance Support Systems M.J. Hall & Company, Inc. M.J. Kelly Company MarketScout McGowan, Donnelly & Oberheu, LLC (MDO) Monarch E&S Insurance Services Morstan General Agency, A div of Hull & Co., Inc. NeitClem Wholesale Insurance Brokerage, Inc. Networked Insurance Agents New England Excess Exchange, Ltd..

INSURANCEJOURNAL.COM

States

DC DE GA IL MD NC NJ NY OH PA SC TN TX VA All States DC DE FL MD NJ NY PA VA All States All States All States Nationwide All States IL IN KY MI MN MO OH TN WI TX All States All States except AK HI All States IL IN WI All States All States (includes Cyber & Privacy) All States

All States

All States All States All States AZ CA CO ID MD NE NM NV OR PA TN TX UT WA All States AK AZ CA CO ID MT ND NM NV OR UT WA WY Most States All States All States CA

All States

CA AZ CA FL NV NY OR UT All States All States except AK All States (varies based on class of business) FL TX AL AR KS KY LA MO MS TN TX AR OK TX Western States All States All State All States All States except AK HI AL AR FL GA IA IL IN KS KY MI MO NC NE OH OK PA SC TN VA WI WV OH Most States All States except IA MT ND NE SD WY CT MA RI All States TX All States except HI Nationwide AK AZ CA HI NV AR FL IA IL KS LA MO MS NC OK SC TN TX All States All States AZ CA HI NV TX All States AZ CA NV All States CT MA MD ME NH NJ NY OH PA RI VT

Technology E&O (continued) Company

NIF Pro Patriot National Underwriters, Inc. Philadelphia Insurance Companies

States

All States AR KS LA MS NM OK TX

All States except LA (includes Integrated Technology)

Prime Insurance Company Most States Pro-Risk Insurance Partners, LLC Worldwide Professional Liability Ins. Svcs - Underwriting Facilities All States Professional Liability Specialists All State Professional Underwriters Agency, Inc. All States  Program Brokerage Corporation All States ProWriters All States Quaker Special Risk - FL MA NJ NY office Most States Quirk & Company LA NM OK OR TX WA RLI Insurance Company All States RMIS AZ CA IA IL IN MI MN MO NE NM NV OH OR TX WI Roush Insurance Services, Inc. IL IN OH RPS Executive Lines All States RPS Technology & Cyber All States RT Specialty All States SCU - Middletown All States Shelly, Middlebrooks & O’Leary, Inc. AL FL GA MS NC SC TX Sierra Specialty All States SIS Wholesale Insurance Services All States Specialty Lines Underwriters IL IN WI Synergy Professional Associates, Inc. All States TAPCO Underwriters, Inc. Most States Tejas American General Agency AR LA NM OK TX Tennant Risk Svcs, a div. of Worldwide Facilities, LLC All States The Hanover Insurance Group Most States Tokio Marine HCC Professional Lines Group All States Tokio Marine/HCC All States U.S. Risk Insurance Group, LLC All States USASIA Insurance Services AZ CA W. Brown & Associates Insurance Services CA Western Security Surplus Insurance Brokers, Inc. AZ CA CO FL IL NV NY OR TX UT WA Western Special Risks, Inc. AZ CA NM NV TX UT Western Surplus Lines Agency, Inc. LA ND NM OK TX Western World Insurance Group Most States Woodlands Insurance Services, LLC Most States All States Worldwide Facilities, LLC

Title Agents E&O Company

States

Agency Marketing Services AL CA CO FL GA KS LA MO NC NJ OH PA SC TN TX All Risks, Ltd. All States Capitol Special Risks, Inc. All States Cooper & McCloskey, Inc. Most States CRES Insurance Services, LLC Most States Delta General Agency Corp. TX Donald Gaddis Co., Inc. Insurance Svcs All States Elite Underwriters CA FL GA Erickson-Larsen, Inc. MN MT ND SD WI WY Founders Professional All States except AK Fox Point Programs All States except AK HI Houston International Insurance Group All States (varies based on class of business) Insurance By Design Most States Intercorp, Inc. All States Jamison Risk Services All States except AK NV Keystroke Underwriters All States except HI MarketScout All States MAXIMUM All States N-Surance Outlets, Inc. FL GA LA TN New England Excess Exchange, Ltd.. CT MA MD ME NH NJ NY OH PA RI VT Norman-Spencer Agency, Inc. All States Prime Insurance Company Most States Professional Insurance Concepts All States Professional Liability Ins. - Underwriting Facilities All States Professional Liability Specialists All States Program Brokerage Corporation All States Quaker Special Risk - FL MA NJ NY Most States RPS Plus Companies All States Synergy Professional Associates, Inc. All States Tennant Risk Svcs, a div. of Worldwide Facilities, LLC All States TitlePac, Inc. All States except AK ME VT Tokio Marine HCC Professional Lines Group All States Tokio Marine/HCC All States U.S. Risk Insurance Group, LLC All States Victor O. Schinnerer & Company All States

SEPTEMBER 2, 2019 INSURANCE JOURNAL | NATIONAL | 43

Professional Liability Directory - Alphabetical Directory of Markets 360 Coverage Pros 8430 Enterprise Cir, Ste. 200, Lakewood Ranch, FL 34202 Phone: 877-524-0265 E-mail: info@360coveragepros.com Website: www.360CoveragePros.com

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

Beacon Hill Associates, Inc. PO Box 1532, Charlottesville, VA 22902 Phone: 800-596-2156 ; Fax: 434-979-8964 E-mail: info@b-h-a.com Website: https://b-h-a.com/

Access E&S Insurance Services (VA) 2001 N. Lincoln St., Arlington, VA 22207 Phone: 703-248-2566 ; Fax: 703-248-2565 E-mail: tim@access-es.com Website: www.access-es.com

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

Benchmark Management Group, Inc. 1730 Park St., Ste. 214, Naperville, IL 60563 Phone: 630-778-7000 ; Fax: 630-778-7007 E-mail: info@bmgins.com Website: www.bmgins.com

Admiral Insurance Group 1000 Howard Blvd., Mount Laurel, NJ 08054 Phone: 856-429-9200 E-mail: MHowey@admiralins.com Website: www.admiralins.com

Appalachian Underwriters, Inc. 800 Oak Ridge Turnpike, Ste. A-1000, Oak Ridge, TN 37830 Phone: 888-376-9633 ; Fax: 866-953-7153 E-mail: marketing@appund.com Website: www.appund.com

Berkley Select 233 S. Wacker Dr., Ste. 3900, Chicago, IL 60606 Phone: 312-800-6200 ; Fax: 312-207-1839 E-mail: info@berkleyselect.com Website: www.berkleyselect.com

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

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

Agency Marketing Services 9800 4th St. N, Ste. 400, St. Petersburg, FL 33702 Phone: 727-384-1036 ; Fax: 727-343-4123 E-mail: bwolf@agencymarketing.com Website: www.agencymarketing.com

ARMR.Network - Better Insurance By Design CA dba: Dybdahl & Associates Insurance Agency, LLC 7780 Elmwood Ave., Ste. 130, Middleton, WI 53562 Phone: 608-836-9590 ; Fax: 608-836-9565 E-mail: Marketing@armr.net Website: www.armr.net

Agentic Insurance, LLC 900 W. Valley Forge Rd., Ste. 100, King of Prussia, PA 19406 Phone: 610-900-0060 ; Fax: 610-900-0070 E-mail: Tkatona@agenticins.com Website: www.agenticins.com All Performance Insurance Solutions 20199 Valley Blvd., Ste. I, Walnut, CA 91789 Phone: 626-427-9818 ; Fax: 626-699-4997 E-mail: info@allperformanceins.com Website: www.allperformanceins.com All Risks, Ltd. 10150 York Rd., 5th Fl., Hunt Valley, MD 21030 Phone: 800-366-5810 ; Fax: 410-828-8179 E-mail: allrisksij@allrisks.com Website: www.allrisks.com All Solutions PBS, LLC PO Box 1218, Morristown, NJ 07962 Phone: 888-376-5884 ; Fax: 888-726-6638 E-mail: Info@AllSolutionsPBS.com Website: www.AllSolutionsPBS.com Alliant Insurance Services 1301 Dove St., Ste. 200, Newport Beach, CA 92660 Phone: 949-756-0271 E-mail: marcomm@alliant.com Website: www.alliant.com Allsouth Professional Liability 9800 4th Street N, Ste. 400, St. Petersburg, FL 33702 Phone: 800-913-9260 ; Fax: 813-282-0994 E-mail: info@allsouth.net Website: www.allsouth.net AMIS/Alliance Marketing & Insurance Services PO Box 567, San Marcos, CA 92079 Phone: 760-471-7116 ; Fax: 760-471-9378 E-mail: snowell@amiscorp.com Website: www.amisinsurance.com AmWINS Group, Inc. - 100 Offices Nationwide See Website for Locations Headquarters - Charlotte, NC 28210 Phone: 704-749-2700 E-mail: marketing@amwins.com Website: www.amwins.com

Arlington/Roe 8900 Keystone Crossing, Ste. 800, Indianapolis, IN 46240 Phone: 800-878-9891 E-mail: info@arlingtonroe.com Website: www.arlingtonroe.com Argo Pro 413 W. 14th St., New York, NY 10014 Phone: 212-563-3600 E-mail: argopromarketing@argoprous.com Website: argolimited.com/argo-pro Artex Risk Solutions, Inc. 2850 Golf Rd., 5th Fl, Rolling Meadows, IL 60008 Phone: 630-694-5050 E-mail: artexinfo@artexrisk.com Website: www.artexrisk.com

Berkshire Hathaway GUARD Insurance Companies

PO Box A-H, Wilkes-Barre, PA 18703 Phone: 570-825-9900 ; Fax: 570-823-2059 E-mail: csr@guard.com Website: www.guard.com

Boston Insurance Brokerage 24 Federal St., 4th Fl, Boston, MA 02110 Phone: 617-556-7000 ; Fax: 617-556-7070 E-mail: gbewick@bostonbrokerage.com Website: www.bostonbrokerage.com

Braishfield Associates, Inc. 5750 Major Blvd., Ste. 200, Orlando, FL 32819 Phone: 888-335-6616 ; Fax: 888-335-6615 E-mail: dhill@braishfield.com Website: www.braishfield.com

Ashley General Agency 2040 N. Loop 336 W, Ste. 200, Conroe, TX 77304 Phone: 936-441-5959 ; Fax: 936-521-5922 E-mail: hnelson@ashleyga.com Website: www.ashleyga.com Atlantic Risk Specialists One International Blvd., Ste. 950, Mahwah, NJ 07945 Phone: 941-870-3125 ; Fax: 201-661-7816 E-mail: jdumont@arspecialists.com Website: www.arspecialists.com Bailey Special Risks, Inc. 105 Bluegrass Commons, Ste. C Hendersonville, TN 37075 Phone: 615-264-3977 ; Fax: 615-264-3980 E-mail: questions@bsrins.com Website: www.bsrins.com Baker Insurance and Bonds, LLC Las Vegas, NV Phone: 702-906-0888 E-mail: info@yesbaker.com Website: www.yesbaker.com

44 | INSURANCE JOURNAL | NATIONAL SEPTEMBER 2, 2019

Breckenridge Insurance Services 245 TownPark Dr., Ste. 400, Kennesaw, GA 30144 Phone: 855-728-8822 E-mail: partner@breckis.com Website: www.breckis.com Brown & Riding 7047 E. Greenway Pkwy, Scottsdale, AZ 85254 Phone: 312-399-9614 E-mail: mgervin@brcins.com Website: www.brownandriding.com Brownyard Group 21 Maple Ave., Bay Shore, NY 11706 Phone: 800-645-5820 ; Fax: 631-666-5723 E-mail: info@brownyard.com Website: www.brownyard.com

INSURANCEJOURNAL.COM

Professional Liability Directory - Alphabetical Directory of Markets DFCORBY Insurance Services PO Box 6297, Fullerton, CA 92834 Phone: 714-213-3751 E-mail: denn@dfcorby.com Website: www.dfcorby.com

CNA 333 S. Wabash, Chicago, IL 60604 Phone: 800-CNA-2000 E-mail: CNA_helps@cna.com Website: www.cna.com

Burns & Wilcox — All Offices

See Web for Addresses - HQ - Detroit/Farmington Hills, MI Phone: 248-932-9000 ; Fax: 248-932-9046 E-mail: farmingtonhills@burns-wilcox.com Website: www.burnsandwilcox.com

Cochrane and Company 1405 S. Rustle St., Spokane, WA, 99224 Phone: 509-838-0655 ; Fax: 509-838-1710 E-mail: marketing@cochraneco.com Website: www.cochraneco.com

Internationally recognized for its expertise, Burns & Wilcox is North America’s most capable independently owned insurance wholesale broker and underwriting manager. Burns & Wilcox makes securing coverage for the hard-to-place easy, with proficiency across a broad range of disciplines supported by our unrivaled brokerage and underwriting experts.

Commercial Insurance Group 1773 S. 8th St., Ste. 200, Colorado Springs, CO 80905 Phone: 1-855-900-2960 ; Fax: 719-623-4699 E-mail: submissions@cig-llc.biz Website: www.cig-llc.biz

104 S. Michigan Ave., Ste 1025, Chicago, IL 60603 Phone: 888-853-0071 ; Fax: 312-853-1033 E-mail: cgaddis@gaddiscompany.com Website: www.gaddiscompany.com

Business Risk Partners 2 Waterside Crossing, Ste. 102, Windsor, CT 06095 Phone: 860-903-0000 ; Fax: 860-903-0001 E-mail: info@businessriskpartners.com Website: www.businessriskpartners.com

Commercial Sector Insurance Brokers, LLC 600 Corporate Pkwy, Ste. 250, Birmingham, AL 35242 Phone: 205-332-8117; Fax: 205-776-1610 E-mail: bbleistine@comsectorins.com Website: www.comsectorins.com

Eastern E&O Brokers, Inc. 41-A New London Tpke, Glastonbury, CT 06033 Phone: 800-967-5606 ; Fax: 860-633-3086 E-mail: eastern@useo.com Website: www.easterneobrokers.com

Donald Gaddis Co., Inc. Insurance Svcs

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

CAMICO Mutual Insurance Company 1800 Gateway Dr., Ste. 300, San Mateo, CA 94404 Phone: 800-652-1772 ; Fax: 800-227-2090 E-mail: dcrouch@camico.com Website: www.camico.com Capitol Special Risks, Inc. 1000 Parkwood Cir, Ste. 925, Atlanta, GA 30339 Phone: 770-618-1011 ; Fax: 770-956-9779 E-mail: ASedliak@csrisks.com Website: www.csrisks.com CapSpecialty 800 W. 47th St., Ste. 515, Kansas City, MO 64112 Phone: 877-224-9748 ; Fax: 816-298-1301 E-mail: eospecialtynews@CapSpecialty.com Website: www.CapSpecialty.com/PL CFC Underwriting 85 Gracechurch St., London EC3V 0AA UK Phone: 207-220-8500 E-mail: enquiries@cfcunderwriting.com Website: www.cfcunderwriting.com Chubb 555 S. Flower St., 3rd Fl, Los Angeles, CA 90071 Phone: 213-612-5540 ; Fax: 213-612-5731 E-mail: christopher.calnon@chubb.com Website: www.chubb.com/us/professionalliability CID Insurance Programs, Inc. 7125 El Cajon Blvd., Ste. 3, San Diego, CA 92115 Phone: 800-922-7283 ; Fax: 619-593-2008 E-mail: info@cidinsurance.com Website: www.cidinsurance.com

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

Cooper & McCloskey, Inc. 111 Pine St., Ste. 1530, San Francisco, CA 94111 Phone: 415-433-7700 ; Fax: 415-433-7707 E-mail: keltie@cmiprorisk.com Website: www.cmiprorisk.com

Elite Underwriters PO Box 141668, Coral Gables, FL 33114 Phone: 305-203-1026 ; Fax: 786-522-9046 E-mail: imoreno@eliteunderwriters.com Website: www.eliteunderwriters.com

Costanza Insurance Agency, Inc. 3010 LBJ Freeway, Ste. 925, Dallas, TX 75243 Phone: 800-346-0942 ; Fax: 972-991-2139 E-mail: b.costanza@cia-tx.com Website: www.costanzainsurance.com CRC Insurance Services See Website for Locations. HQ - Birmingham, AL 35209 Phone: 205-870-7790 ; Fax: 205-879-3739 E-mail: marketing@crcins.com Website: www.crcins.com CRES Insurance Services, LLC POB 29502 #69121, Las Vegas, NV 89126 Phone: 858-618-1648 ; Fax: 858-618-1655 E-mail: info@cresinsurance.com Website: www.cresinsurance.com

Euclid Design Underwriters 1177 Avenue of the Americas, 5th FL, New York, NY 10036 Phone: 630-238-1900 ; Fax: 630-773-8590 E-mail: mail@euclid-du.com Website: www.euclid-du.com

650 California St., Ste. 1100, San Francisco, CA 94108 Phone: 415-982-3870 ; Fax: 415-982-2546 E-mail: pquilici@crousesf.com Website: www.crouseandassociates.com

Citadel Insurance Services, LC

Crouse and Associates represents a wide range of E&O, D&O, Cyber, EPL, Fiduciary, Crime, and K&R markets. We have over 50 professional liability markets that are all Best Rated “A” and some in house exclusive products.

Citadel is a leading edge specialty casualty and professional insurance program manager. In additional to our exclusive programs, we represent a network of the world’s leading A+ rated insurance carriers providing all lines of Casualty, Property, Marine and Professional Liability insurance.

Delta General Agency Corp. PO Box 2045, Houston, TX 77252 Phone: 713-570-2700 ; Fax: 713-570-2800 E-mail: billf@deltains.com Website: www.deltains.com

INSURANCEJOURNAL.COM

Environmental Insurance Services, Inc. 200 Cahaba Park S, Ste. 200, Birmingham AL 35242 Phone: 800-239-1347 ; Fax: 205-991-7767 E-mail: jbarron@env-ins.com Website: www.env-ins.com Erickson-Larsen, Inc. 6425 Sycamore Court No., Maple Grove, MN 55369 Phone: 763-535-0055 ; Fax: 763-535-0477 E-mail: appsmnoffice@ericksonlarseninc.com Website: www.ericksonlarseninc.com

Crouse & Associates

PO Box 1677, American Fork, UT 84003 Phone: 801-610-2720 ; Fax: 801-610-2701 E-mail: info@citadelus.com Website: www.citadelus.com

Energi 10 Centennial Dr., Ste. 201, Peabody, MA 01960 Phone: 978-531-1822 E-mail: wholesale@energi.com Website: www.energi.com

Euclid Public Sector 234 Spring Lake Dr., Itasca, IL 60143 Phone: 630-238-1900 ; Fax: 630-773-8590 E-mail: mail@euclidmanagers.com Website: www.euclidps.com Euclid Specialty Managers, LLC 100 East Street SE, Ste. 204, Vienna, VA 22180 Phone: 571-730-4810 ; Fax: 571-730-4813 E-mail: jobrien@euclidspecialty.com Website: www.euclidspecialty.com

SEPTEMBER 2, 2019 INSURANCE JOURNAL | NATIONAL | 45

Professional Liability Directory - Alphabetical Directory of Markets

Executive Insurance Professionals, PLLC 6001 W. Interstate 20, Ste. 214, Arlington, TX 76017 Phone: 800-779-4095 ; Fax: 866-779-4331 E-mail: cheryl@execins.com Website: www.execins.com

Gumtree Wholesale Insurance Brokers, Inc. 1650 E. Battlefield, Ste. 230, Springfield, MO 65804 Phone: 855-706-1558 ; Fax: 417-887-6140 E-mail: vicki.cota@gumtree-ins.com Website: www.gumtreeins.com

IT Risk Managers, Inc. 4225 Okemos Rd., Ste. B, Okemos, MI 48864 Phone: 517-381-9909 ; Fax: 517-381-8699 E-mail: submissions@itriskmanagers.com Website: www.ITRiskmanagers.com

Founders Professional 2038 1st Avenue South, St. Petersburg, FL 33712 Phone: 727-498-6503 ; Fax: 727-498-6506 E-mail: fpinfo@founderspro.com Website: www.founderspro.com

Hallmark Financial Services, Inc. 777 Main St., Ste. 1000, Fort Worth, TX 76102 Phone: 817-348-1600 E-mail: marketing@hallmarkgrp.com Website: www.hallmarkgrp.com

Fox Point Programs 3001 Philadelphia Pike, Claymont, DE 19703 Phone: 800-499-7242 ; Fax: 302-472-8529 E-mail: info@foxpointprg.com Website: www.foxpointprg.com

Hartford Steam Boiler Inspection & Insurance Co. 1 State St., Hartford, CT 06103 Phone: 800-472-1866 E-mail: Customer_Solution_Center@hsb.com Website: www.munichre.com/hsb

Izzo Insurance Services, a Division of Hull & Company LLC 150 S. Bloomingdale Rd., Bloomingdale, IL 60108 Phone: 800-800-1704 ; Fax: 630-582-2803 E-mail: info@izzoinsurance.com Website: www.izzoinsurance.com

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

Heritage Specialty Insurance Agency, LP PO Box 5386, Bryan, TX 77805 Phone: 1-866-544-1900 ; Fax: 1-866-832-0984 E-mail: regan@heritagespecialty.com Website: www.heritagespecialty.com

Gateway Specialty Insurance 1170 Devon Park Dr., Wayne, PA 19087 Phone: 877-977-4474 E-mail: info@gatewayspecialty.com Website: www.gatewayspecialty.com GIC Underwriters, Inc. 4075 SW 83rd Ave., Miami, FL 33155 Phone: 305-554-0353 ; Fax: 305-662-3914 E-mail: jcdp@gicunderwriters.com Website: www.gicunderwriters.com Global Financial & Insurance Services 300 Decker Dr., Ste. 320, Irving, TX 75062 Phone: 972-812-5410 ; Fax: 877-719-4479 E-mail: info@theglobalfinancial.com Website: www.theglobalfinancial.com Gorst & Compass Insurance 9310 Topanga Canyon Blvd., Chatsworth, CA 91311 Phone: 818-507-0900 ; Fax: 818-507-1133 E-mail: mail@gorstcompass.com Website: www.gorstcompass.com

Gray-Stone & Company, Inc. 275 E. Hillcrest Dr., Ste. 250 Thousand Oaks, CA 91360 Phone: 805-494-4440 ; Fax: 805-299-4985 E-mail: info@gray-stone.com Website: www.gray-stone.com Grayhawk General Agency, Inc. PO Box 2505, Gilbert, AZ 85299 Phone: 480-245-5991 E-mail: dan@ggagency.com Website: www.ggagency.com Great American Insurance Group Executive Liability Division 1450 American Lane, 8th Fl, Schaumburg, IL 60173 Phone: 847-330-6750 ; Fax: 513-929-6890 E-mail: ELD@gaig.com Website: www.GreatAmericanELD.com Greenhill Insurance Services 4801 Woodway Dr., Ste. 235W, Houston, TX 77056 Phone: 832-413-4600 E-mail: ghsubmission@grnhll.com Website: www.grnhll.com

Hill Program Managers, LLC 155 S. Madison St., Ste. 302, Denver, CO 80209 Phone: 303-481-6684 E-mail: Mhill@hillprograms.com Website: www.hillprograms.com Houston International Insurance Group 800 Gessner Rd., 6th Fl, Houston, TX 77024 Phone: 713-975-4800 E-mail: inquiry@hiig.com Website: www.hiig.com Indemnity Excess & Surplus Agency, Inc. 1915 NW AmberGlen Pkwy, Ste. 450 Beaverton, OR 97006 Phone: 800-487-2442 ; Fax: 503-526-9700 E-mail: jreedal@ies-xs.com Website: www.ies-xs.com Insurance Agents & Brokers Service Group, Inc. 5050 Ritter Rd., Mechanicsburg, PA 17055 Phone: 800-998-9644 Ext. 209 ; Fax: 717-795-8347 E-mail: iab@iabforme.com Website: www.iabforme.com Insurance By Design 13465 Midway Rd., Ste. 202, Dallas, TX 75244 Phone: 866-840-8004 ; Fax: 214-217-2548 E-mail: mike@ibdpro.com Website: www .ibdpro.com Intercorp, Inc. 1438-F W. Main St., Ephrata, PA 17522 Phone: 717-721-3500 ; Fax: 717-721-3515 E-mail: info@intercorpinc.net Website: www.intercorpinc.net International Excess Companies 3700 Park East Dr., Ste. 250, Beachwood, OH 44122 Phone: 216-797-9700 ; Fax: 216-342-7442 E-mail: kennethkukral@intlxs.com Website: www.intlxs.com IPA Risk Management, LLC 340 W. Passaic St., Rochelle Park, NJ 07662 Phone: 201-797-1084 ; Fax: 201-797-1076 E-mail: g.heitmann@ipariskmanagement.com Website: www.ipariskmanagement.com Irwin Siegel Agency, Inc. 25 Lake Louise Marie Rd., Rock Hill, NY 12775 Phone: 800-622-8272 ; Fax: 845-796-3661 E-mail: siegel@siegelagency.com Website: www.siegelagency.com

46 | INSURANCE JOURNAL | NATIONAL SEPTEMBER 2, 2019

J.M. Wilson 8036 Moorsbridge Rd., Portage, MI 49024 Phone: 800-282-8113 ; Fax: 269-327-2620 E-mail: cbaldwin@jmwilson.com Website: www.jmwilson.com Jacobs & Associates, Inc. 12782 Prospect Rd., Strongsville, OH 44149 Phone: 440-625-2690 ; Fax: 440-625-2731 E-mail: jim@jacobsnow.com Website: www.jacobsnow.org James Klein Insurance Service, Inc. 200 E. Sandpointe Ave., Ste. 310, Santa Ana, CA 92637 Phone: 714-918-0914 Ext. 115 ; Fax: 714-918-0921 E-mail: pkdz@aol.com

INSURANCE James River Insurance Company 6641 W. Broad St., Ste. 300, Richmond, VA 23230 Phone: 804-289-2700 ; Fax: 804-289-2703 E-mail: info@jamesriverins.com Website: www.jamesriverins.com

James River underwrites a wide variety of specialty P&C and Professional risks on an E&S basis in all states. PL teams include Medical PL, Allied Healthcare, and non-Medical PL. Visit www.jamesriverins. com to find a JRIC-authorized wholesale broker! Jamison Risk Services 20 Commerce Dr., Cranford, NJ 07016 Phone: 973-669-2311 ; Fax: 973-731-3035 E-mail: ccaruso@jamisongroup.com Website: www.jamisongroup.com Jimcor Agencies 60 Craig Rd., Montvale, NJ 07645 Phone: 201-573-8200 ; Fax: 201-573-8820 E-mail: jschneider@jimcor.com Website: www.jimcor.com Joseph Krar & Associates, Inc. PO Box 580, Southington, CT 06489 Phone: 860-628-3967 ; Fax: 860-628-3969 E-mail: submissions@jkrar.com Website: www.jkrar.com Keating Brokerage 2525 E. Camelback Rd., Phoenix, AZ 85016 Phone: 602-325-5549 ; Fax: 602-352-1892 E-mail: info@keating.insurance Website: www.keating.insurance

INSURANCEJOURNAL.COM

Professional Liability Directory - Alphabetical Directory of Markets Keystone Insurance Services, Inc. PO Box 9127, Austin, TX 78766 Phone: 512-257-8000 E-mail: info@mykeystoneins.com Website: www.MyKeystoneIns.com

Magnolia LTC 716 College Ave., Ste. B, Santa Rosa, CA 95404 Phone: 707-571-7430 E-mail: sottenbrite@magnolialtc.com Website: www.magnolialtc.com

NeitClem Wholesale Insurance Brokerage, Inc. 7442 N Figueroa St., Los Angeles, CA 90041 Phone: 323-258-2600 ; Fax: 323-258-2676 E-mail: jcenteno@neitclem.com Website: www.neitclem.com

Keystroke Underwriters 1000 Parkwood Cir, Ste. 925, Atlanta, GA 30339 Phone: 770-618-2840 ; Fax: 404-446-1501 E-mail: LLevinson@keystrokeins.com Website: www.keystrokeins.com

MarketScout 12700 Park Central Dr., Ste. 510, Dallas, TX 75251 Phone: 866-507-3980 ; Fax: 972-934-4299 E-mail: professionalliability@marketscout.com Website: www.marketscout.com

Networked Insurance Agents 443 Crown Point Cir, Unit A, Grass Valley, CA 95945 Phone: 800-682-8476 ; Fax: 888-843-2535 E-mail: sales@networkedins.com Website: www.networkedins.com

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

Maverick Commercial Insurance Services 23945 Calabasas Rd., Ste. 107, Calabasas, CA 91302 Phone: 818-223-0011 ; Fax: 818-223-1102 E-mail: georgeluka@maverickinsure.com or Shannongomez@maverickinsure.com Website: www.maverickinsure.com

New Age Underwriters Agency, Inc. 1981 Marcus Ave., Ste. C108, Lake Success, NY 11042 Phone: 516-488-2500 ; Fax: 516-488-2508 E-mail: m.ascher@newageins.com Website: www.newageins.com New England Excess Exchange, Ltd. 57 Parker Rd., Barre, VT 05641 Phone: 800-548-4301 ; Fax: 800-347-4935 E-mail: info@neee.com Website: www.neee.com

Kinsale Insurance Company 2221 Edward Holland Dr., Ste. 600, Richmond, VA 23230 Phone: 804-289-1300 ; Fax: 804-673-5697 E-mail: marketing@kinsaleins.com Website: www.kinsaleins.com Landmark E & S 2400 E. Katella Ave., Ste. 800, Anaheim, CA 92806 Phone: 949-390-4725 E-mail: nhuynh@landmark-es.com Website: www.landmark-es.com

NIF Pro 30 Park Ave., Manhasset, NY 11030 Phone: 516-365-7440 ; Fax: 516-365-7392 E-mail: marketing@nifgroup.com Website: www.nifgroup.com

MAXIMUM

Norman-Spencer Agency, Inc. 8075 Washington Village Dr., Dayton, OH 45458 Phone: 800-543-3248 ; Fax: 937-432-1635 E-mail: davidgeorge@norman-spencer.com Website: www.norman-spencer.com

222 S. Riverside Plaza, Ste. 2340, Chicago, IL 60606 Phone: 312-466-4877 E-mail: pato@maxib.com Website: www.maxib.com

Landy Insurance Agency

100 River Ridge Dr., Ste. 301, Norwood, MA 02062 Phone: 800-336-5422 ; Fax: 800-344-5422 E-mail: johnt@landy.com Website: www.landy.com

Leading national program manager for Real Estate Agents & Brokers, Appraisers and Accountants Professional Liability insurance programs with coverage provided by an A+ -rated carrier. We now offer admitted and affordable Cyber & Crime coverage options with broad coverage features. With new, lower premiums and expanded coverage in many programs, same great service.

McGowan, Donnelly & Oberheu, LLC (MDO) 2700 Via Fortuna, Ste. 145, Austin, TX 78746 Phone: 512-600-2280 Ext. 5304 E-mail: kcantwell@mdoinsurance.com Website: www.mdoinsurance.com

Norman-Spencer International, Inc. 150 E. 22nd St., Lombard, IL 60148 Phone: 800-842-3653 ; Fax: 630-705-1056 E-mail: gretchen@normanspencer.com Website: https://www.normanspencer.com

Midlands Management Corp. 3817 NW Expy, Ste. 1000, Oklahoma City, OK 73112 Phone: 800-800-4007 ; Fax: 405-840-5432 E-mail: marketing@midman.com Website: www.midlandsmgt.com

Number One Insurance Agency 91 Cedar St., Milford, MA 01757 Phone: 800-742-6363 ; Fax: 508-634-2930 E-mail: atobin@massagent.com Website: www.massagent.com

Monarch E&S Insurance Services 2540 Foothill Blvd., Ste. 101, La Crescenta, CA 91214 Phone: 818-249-0100 ; Fax: 818-249-1166 E-mail: wayneb@monarchexcess.com Website: www.monarchexcess.com

Lawyerâ&#x20AC;&#x2122;s Protector Plan 655 N. Franklin St., Ste. 1900, Tampa, FL 33602 Phone: 800-336-5529 ; Fax: 813-223-9547 E-mail: lpp@bbprograms.com Website: www.lppinsurance.com

Morstan General Agency, A division of Hull & Co., Inc. 1835 Banks Rd., Margate, FL 33063 Phone: 954-583-4722 ; Fax: 516-302-8951 E-mail: pwoodard@morstan.com Website: www.morstan.com

Lomax Solutions LLC. dba Lomax Insurance Solutions 51550 McKenzie Hwy., Blue River, OR 97413 Phone: 714-955-1560 E-mail: Bill@lomaxsolutions.com Website: www.lomaxsolutions.com

N-Surance Outlets, Inc. PO Box 2600, Roswell, GA 30077 Phone: 800-366-1450 ; Fax: 770-971-7608 E-mail: jmurrey@nsoins.com Website: www.nsoins.com

M.J. Hall & Company, Inc. PO Box 192, Stockton, CA 95201 Phone: 209-948-8108 ; Fax: 209-465-3843 E-mail: mindy@mjhallandcompany.com Website: www.mjhallandcompany.com

National Association of Professional Agents (NAPA) 8430 Enterprise Cir, Ste. 200, Lakewood Ranch, FL 34202 Phone: 800-593-7657 ; Fax: 800-411-4771 E-mail: info@napa-benefits.org Website: www.napa-benefits.org

M.J. Kelly Company 4415 E. State Highway D, Springfield, MO 65809 Phone: 800-725-7211 ; Fax: 417-883-7103 E-mail: khampton@mjkelly.com Website: www.mjkelly.com

INSURANCEJOURNAL.COM

Negley Associates 389 Interpace Pkwy, 4th Fl, Parsippany, NJ 07054 Phone: 862-286-3550 ; Fax: 866-865-5655 E-mail: info@jjnegley.com Website: www.jjnegley.com

OREP - Organization of Real Estate Professionals Insurance Services, LLC 6760 University Ave., Ste. 250, San Diego, CA 92115 Phone: 888-347-5273 E-mail: info@orep.org Website: www.orep.org Patriot National Underwriters, Inc. PO Box 803143, Dallas, TX 75380 Phone: 972-239-1458 ; Fax: 972-233-3487 E-mail: corky.ellis@patriotnational.com Website: www.patriotnational.com PBS Insurance Underwriting Corporation 303 Middletown Park Pl., Ste. F, Louisville, KY 40243 Phone: 502-244-1056 ; Fax: 502-254-1056 E-mail: pbs@pbsinsurance.com Website: www.pbsinsurance.com Personal Care & Assisted Living Insurance Center, LLC 195 Stock St., Ste. 118B, Hanover, PA 17331 Phone: 800-673-2558 ; Fax: 717-630-1188 E-mail: info@pcalic.com Website: www.PCALIC.com Pro-Praxis Insurance (division of CRC) 32 Old Slip, 4th Fl, New York, NY 10005 Phone: 212-401-1561 E-mail: hplsubmissions@propraxisins.com Website: www.propraxisins.com

SEPTEMBER 2, 2019 INSURANCE JOURNAL | NATIONAL | 47

Professional Liability Directory - Alphabetical Directory of Markets Program Brokerage Corporation 1065 Avenue of the Americas/5 Bryant Park, 3rd Fl New York, NY 10018 Phone: 212-338-2924 E-mail: info@programbrokerage.com Website: www.programbrokerage.com

Philadelphia Insurance Companies

ProLawyer Insurance, LLC PO Box 1657, Newtown, PA 18940-0920 Phone: 215-525-3293 ; Fax: 215-394-7010 E-mail: info@prolawyer.com Website: www.ProLawyer.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.

Promont Insurance Advisors 1 E. Wacker Dr., Ste. 1920, Chicago, IL 60601 Phone: 312-262-3300 ; Fax: 312-262-3301 E-mail: greg.morris@promontadvisors.com Website: www.promontadvisors.com

One Bala Plaza, Ste. 100, Bala Cynwyd, PA 19004 Phone: 800-873-4552 ; Fax: 610-617-7940 E-mail: phlysales@phlyins.com Website: www.phly.com

Prime Insurance Company

303 W. Madison St., Ste. 2075, Chicago IL 60606 Phone: 800-257-5590 ; Fax: 877-452-6910 E-mail: RJL@primeis.com Website: www.primeis.com Pro-Risk Insurance Partners, LLC 21 St. Andrews, Glastonbury, CT 06033 Phone: 860-305-9477 E-mail: traci@pro-riskinsurance.com Website: www.Pro-RiskInsurance.com

Professional Governmental Underwriters

9020 Stony Point Pkwy, Ste. 455, Richmond, VA 23235 Phone: 800-586-6502 ; Fax: 804-272-7852 E-mail: ndaly@pgui.com Website: www.pgui.com Professional Insurance Concepts 389 Interpace Pkwy, 4th Fl, Parsippany, NJ 07054 Phone: 862-286-3470 ; Fax: 973-263-0747 E-mail: DGriffin@ProInsConcepts.com Website: www.ProInsConcepts.com Professional Liability Brokers & Consultants, Inc. 175 E. Hawthorn Pkwy, Ste. 310, Vernon Hills, IL 60061 Phone: 847-816-4480 ; Fax: 847-816-4484 E-mail: erv@plbc.com Website: www.plbc.com Professional Liability Ins. Svcs, Inc. Underwriting Facilities 5802 Thunderbird, Bldg 10, Ste. 100, Lago Vista, TX 78645 Phone: 800-761-7547 ; Fax: 512-327-5834 E-mail: underwriting@plisinc.com Website: www.plisinc.com Professional Liability Specialists 1308 Wickford Ln., Lanoka Harbor, NJ 08734 Phone: 609-339-2104 E-mail: anthony@plsins.com Website: www.plsins.com Professional Program Insurance Brokerage 371 Bel Marin Keys Blvd., Novato, CA 94949 Phone: 415-475-4300 ; Fax: 415-475-4303 E-mail: info@ppibcorp.com Website: www.ppibcorp.com / www.medispa-inc.com / www.tattoo-ins.com Professional Underwriters Agency, Inc. 2803 Butterfield Rd., Ste. 260, Oakbrook, IL 60523 Phone: 630-572-0600 ; Fax: 630-572-0615 E-mail: Sandip@puainc.com Website: www.puainc.com

ProSurance Group, Inc. 2685 Marine Way, Ste. 1408, Mountain View, CA 94043 Phone: 650-428-0818 ; Fax: 650-428-0860 E-mail: financialservices@prosurancegroup.com Website: www.prosurancegroup.com ProWriters 41 Leopard Rd., Ste. 301, Paoli, PA 19301 Phone: 484-321-2335 ; Fax: 484-321-2339 E-mail: info@prowritersins.com Website: www.prowritersins.com Psych Professional Liability, a div of Frenkel & Company 210 Hudson St., 6th Fl, Jersey City, NJ 07311 Phone: 201-356-0057 ; Fax: 201-356-0055 E-mail: khegel@frenkel.com Website: www.frenkel.com Quadrant Insurance Managers 501 W. Schrock Rd., Ste. 301, Westerville, OH 43081 Phone: 614-841-1425 ; Fax: 614-841-1426 E-mail: productinfo@quadrant-us.com Website: www.quadrant-us.com Quaker Special Risk - FL MA NJ NY See Website for Addresses Headquarters - Eatontown, NJ 07724 Phone: 800-447-4180 ; Fax: 732-223-9072 E-mail: creid@qsr-insurance.com Website: www.quakerspecialrisk.com Quirk & Company PO Box 792030, San Antonio, TX 78279 Phone: 800-299-9421 ; Fax: 210-340-4075 E-mail: lvazquez@quirkco.com Website: www.quirkco.com RLI Insurance Company 9025 N. Lindbergh Dr., Peoria IL 61615 Phone: 309-692-1000 ; Fax: 309-692-1068 E-mail: inquiries@rlicorp.com Website: www.rlicorp.com RMIS 22860 Savi Ranch Pkwy, Yorba Linda, CA 92887 Phone: 714-738-1383 ; Fax: 714-921-1160 E-mail: quoteRMIS@RMISmga.com Website: www.RMISmga.com Rockwood Programs, Inc. 3001 Philadelphia Pike, Claymont, DE 19703 Phone: 800-558-8808 ; Fax: 302-764-5477 E-mail: sales@rockwoodinsurance.com Website: www.rockwoodinsurance.com

48 | INSURANCE JOURNAL | NATIONAL SEPTEMBER 2, 2019

Roush Insurance Services, Inc. PO Box 1060, Noblesville, IN 46061-1060 Phone: 800-752-8402 ; Fax: 317-776-6891 E-mail: info@roushins.com Website: www.roushins.com RPS Executive Lines 550 W. Van Buren, Ste. 1200, Chicago, IL 60607 Phone: Phone: 312-803-6324 E-mail: executivelines@rpsins.com Website: www.rpsins.com/executivelines

RPS Healthcare

550 W. Van Buren, Ste. 1200, Chicago, IL 60607 Phone: 312-294-5625 ; Fax: 312-922-7563 E-mail: diane_burrows@rpsins.com Website: www.rpsins.com

RPS Healthcare specializes in medical professional liability insurance for all segments of the healthcare industry. We deliver quality insurance solutions at a competitive price for healthcare institutions. RPS Plus Companies 520 US Highway 22, Bridgewater, NJ 08807 Phone: 908-685-7650 E-mail: Frank_Figaro@RPSins.com Website: www.thepluscos.com

RPS Technology & Cyber 204 Cedar St., Cambridge, MD 21613 Phone: 800-336-5659 ; Fax: 410-228-7645 E-mail: techCyber@RPSins.com Website: www.RPSins.com/techcyber

RT Specialty 500 W. Monroe, 28th Fl, Chicago, IL 60661 Phone: 312-651-6000 ; Fax: 312-651-6096 E-mail: marketing@rtspecialty.com Website: www.rtspecialty.com Russell Bond & Co., Inc. 295 Main St., Ste. 866, Buffalo, NY 14203 Phone: 800-333-7226 ; Fax: 800-677-6779 E-mail: Thollederer@RussellBond.com Website: www.RussellBond.com SASSI - Salon & Spa Specialty Insurance 21 Maple Ave., Bay Shore, NY 11706 Phone: 888-823-9380 ; Fax: 631-666-7646 E-mail: info@brownyard.com Website: www.sassiagency.com SCU - Middletown 421 Wadsworth St., Middletown, CT 06457 Phone: 860-347-9600 ; Fax: 860-347-9611 E-mail: jryczek@scui.com Website: www.scui.com/offices/middletown Select Risk Services, Inc. 6575 West Loop South, Ste. 470, Bellaire, TX 77401 Phone: 713-589-2665 E-mail: dloukanis@selectriskservices.com Website: www.selectriskservices.com Shelly, Middlebrooks & Oâ&#x20AC;&#x2122;Leary, Inc. PO Box 2909, Jacksonville, FL 32203-2909 Phone: 904-354-7711 ; Fax: 904-355-7611 E-mail: dc.oleary@shellyins.com Website: www.shellyins.com

INSURANCEJOURNAL.COM

Professional Liability Directory - Alphabetical Directory of Markets Sierra Specialty 234 Clovis Ave., Clovis, CA 93612 Toll-free: 844-874-3772 ; Phone: 559-256-6900 E-mail: BeckyTucker@SierraSpecialty.com Website: www.SierraSpecialty.com

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

SIS Wholesale Insurance Services 3250 Grey Hawk Ct., Carlsbad, CA 92010 Phone: 866-716-7242 ; Fax: 866-467-6701 E-mail: wholesale@sisinsure.com Website: www.sisinsure.com

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

Southern Insurance Underwriters, Inc. CMGA PO Box 105609, Atlanta, GA 30348 Phone: 678-498-4500 ; Fax: 678-498-4600 E-mail: marketing@siuins.com Website: www.siuins.com

Tokio Marine HCC Professional Lines Group 37 Radio Circle Dr., Mt Kisco, NY 10549 Phone: 914-242-7840 ; Fax: 914-241-8098 E-mail: MPL@tmhcc.com Website: www.tmhcc.com

Specialty Insurance Managers, Inc. 8601 RR 2222, Bldg III, Ste. 100, Austin, TX 78730 Phone: 800-876-3278 ; Fax: 877-399-2720 E-mail: lburton@simtexas.com Website: www.simtexas.com

Tokio Marine/HCC 2300 Clayton Rd., Ste. 1100, Concord, CA 94520 EPL: Chris Murphy - 415-277-2475 - CMurphy@tmhcc.com AE/CP: Jim Bechter - 925-305-2115 - jbechter@tmhcc.com All other: Ed Velasquez - 914-242-7865 - evelasquez@tmhcc.com Website: www.tmhcc/#liability

Specialty Lines Underwriters 1166 Quail Ct., Ste. 310, Pewaukee, WI 53072 Phone: 262-737-8990 ; Fax: 262-696-4389 E-mail: info@bmgins.com Website: www.specialty-lines.com Sports & Fitness Insurance Corporation PO Box 1967, Madison, MS 39110 Phone: 800-844-0536 ; Fax: 601-707-1045 E-mail: contactus@sportsfitness.com Website: www.sportsfitness.com Sun Coast General Insurance Agency PO Box 30750, Laguna Hills, CA 92654-0750 Phone: 949-768-1132 ; Fax: 949-768-0625 E-mail: KChamberlain@SunCoastInsurance.com Website: www.suncoastinsurance.com SWBC PO Box 791028, San Antonio, TX 78279 Phone: 210-525-1242 ; Fax: 210-525-0054 E-mail: jlarson@swbc.com Website: www.swbc.com Synergy Professional Associates, Inc. 100 Passaic Ave., Ste. 145, Fairfield, NJ 07004 Phone: 973-995-0500 ; Fax: 973-995-0501 E-mail: irad@synergy-ins.com Website: www.synergy-ins.com TAPCO Underwriters, Inc. 3060 S. Church St., Burlington, NC 27216 Phone: 800-334-5579 ; Fax: 336-584-8880 E-mail: KAllred@gotapco.com Website: www.GoTAPCO.com Target Professional Programs 1230 E. Diehl Rd., Ste. 350, Naperville, IL 60563 Phone: 331-333-8239 E-mail: SReidy@TargetProIns.com Website: www.TargetProIns.com Tejas American General Agency 1620 La Jaita Dr., Ste. 300, Cedar Park, TX 78613 Phone: 888-999-8242 ; Fax: 512-342-2803 E-mail: marketing@taga1.com Website: www.taga1.com Tennant Risk Services , a div. of Worldwide Facilities, LLC 124 LaSalle Rd., West Hartford, CT 06107 Phone: 860-519-1301 ; Fax: 860-216-5845 E-mail: info@tennant.com Website: www.tennant.com

INSURANCEJOURNAL.COM

U.S. Brokers Network, Inc. 1832 Woodmoor Dr., Ste. 101, Monument, CO 80132 Phone: Jan: 719-488-5502 | John: 201-744-0394 E-mail: submissions@usbrokersnetwork.com Website: www.usbrokersnetwork.com

Western Security Surplus Insurance Brokers, Inc. 5800 Granite Pkwy, Ste. 300, Plano, TX 75024 Phone: 888-977-3255 ; Fax: 972-702-0504 Website: www.wssib.com

Western Special Risks, Inc. 9059 W. Lake Pleasant Pkwy, Ste. 340, Peoria, AZ 85382 Phone: 888-317-5575 ; Fax: 623-977-4622 E-mail: rwilliams@westernspecialrisks.com Website: www.westernspecialrisks.com Western Surplus Lines Agency, Inc. P.O Box 6609, Abilene, TX 79608 Phone: 800-592-4408 ; Fax: 325-695-0371 E-mail: fpeck@westernsurplus.com Website: www.westernsurplus.com Western World Insurance Group 400 Parsonâ&#x20AC;&#x2122;s Pond Dr., Franklin Lakes, NJ 07417 Phone: 201-847-8600 ; Fax: 201-847-1010 E-mail: marketing@westernworld.com Website: www.westernworld.com

U.S. E&O Brokers 820 Gessner Rd., Ste.1680, Houston, TX 77024 Phone: 713-984-1370 x 142 ; Fax: 281-480-1335 E-mail: insurance@useo.com Website: www.useo.com

Woodlands Insurance Services, LLC PO Box 8369, The Woodlands, TX 77387 Phone: 281-367-5010 ; Fax: 281-367-5013 E-mail: drewk@woodlandsinsurance.com Website: www.woodlandsinsurance.com

U.S. Risk Insurance Group, LLC 8401 N. Central Expy, Ste. 1000, Dallas, TX 75225 Phone: 800-232-5830 ; Fax: 214-265-4976 E-mail: kellyK@usrisk.com Website: www.usrisk.com

Worldwide Facilities, LLC See Website for Addresses Headquarters - Los Angeles, CA 90017 Phone: 213-236-4500 ; Fax: 213-244-9655 E-mail: info@wwfi.com Website: www.wwfi.com

United Educators 7700 Wisconsin Ave., Ste. 500, Bethesda, MD 20814 Phone: 800-346-7877 E-mail: ejones@ue.org Website: www.ue.org USASIA Insurance Services 319 Union Ave., Pomona, CA 91768 Phone: 909-618-0288 ; Fax: 909-618-0289 E-mail: shirley@usasia-ins.com Website: www.usasia-ins.com USG Insurance Services, Inc. 1000 Town Center Wy, Ste. 300, Canonsburg, PA 15317 Phone: 724-754-9007 ; Fax: 724-265-5751 E-mail: jkessel@usgins.com Website: www.usgins.com Victor O. Schinnerer & Company Two Wisconsin Cir., Chevy Chase, MD 20815 Phone: 301-961-9800 ; Fax: 301-951-5444 E-mail: vos.info@schinnerer.com Website: www.schinnerer.com W. Brown & Associates Insurance Services 19000 MacArthur Blvd., Ste. 600, Irvine, CA 92612 Phone: 949-851-2060 ; Fax: 949-428-1298 E-mail: kkrebs@wbrownpc.com Website: www.wbais.com

SEPTEMBER 2, 2019 INSURANCE JOURNAL | NATIONAL | 49

Special Report: Agency Partnerships continued from page 29

etworked Insurance Agents, an AmWINS Group company, provides an array of membership options from market access to direct access. “Based on the aggregation or direct access membership chosen, independent agents earn competitive commissions, and may be eligible for profit-sharing, from the dozens of P/C companies available,” according to Larry Oslie, chief operating officer, Insurance Operations. A typical member utilizes a variety of carriers each year to cover gaps in the appetite of their direct appointments. They are not held to volume requirements for these alternative markets. Networked Insurance Agents’ carrier partnerships allow affiliates to round out more accounts and compete for new business against agencies of all sizes. Plus, Networked can be a

nited Agencies Inc. began as a cluster in 1962 when several insurance brokers came together to evaluate the direction of the insurance industry and how to best serve their customers in the future. United Agencies is 100% member owned with an equal share for all members regardless of size. “One member agency, one vote; and we have no

Networked Insurance Agents # 16 perpetuation option for the agency owner looking for a succession plan; with several licensed agents to handle the retention of purchased books. There are two options for agencies: • The Direct Access Insurance Services (DAIS) cluster, a group of independent agencies of similar size that meet regularly and collaborate. • The Networked Insurance Agents, an aggregator business model comprised of 1,100 independent agents in 35 states submitting business to Networked that in turn approaches the insurance market on the agents’ behalf. According to Oslie, DAIS approaches the insurance market as one group, meaning each member utilizes sub-codes which roll up to one master or cluster code at the carrier. “The agencies’ volume and loss experience are combined for purposes of negotiating commissions and maximizing

profit sharing with the carriers,” he said. Members of DAIS operate without minimum carrier volumes or profit-sharing thresholds to meet in order to be eligible. They retain 100% of commission dollars beginning with their first dollar earned. The DAIS cluster provides members the opportunity to earn up to 80% of profit-sharing and override earnings. The other option, Networked, operates similar to a wholesaler, serving as the middle-man and becomes the carrier-facing arm for each member – obtaining quotes and servicing policies via requests to the carriers. Networked advocates for its members on policy servicing, standard and promotional commissions and account placement. “Our commission splits are fair, market-dependent and tiered to increase as members grow with us,” Oslie said.

Agencies Inc. # 18 United ownership interest in any of our members’ agencies,” said Jim Stone, president. “There is no profit component in our fees. We simply pass along the cost it takes to run the back office of United Agencies in the form of fees and we are fully transparent in all we do.” Members maintain independent ownership in their book of business when accessing markets through United Agencies. Stone said 95% of the

50 | INSURANCE JOURNAL | SEPTEMBER 2, 2019

$52,093,831

2018 Total P/C Revenue

“By joining Networked, the member essentially adds over 100 experienced insurance professionals to its agency staff to handle account management for new business and renewal remarketing, customer service, accounting, sales and marketing, operations and management.” As members of Networked or DAIS, the agencies remain independent with 100% ownership of their books and may choose to maintain direct appointments of their own. When comparing one network to another, one essential differentiator should be the quality of service, Oslie says. “Market expertise, quote and request turnaround times, technology and follow-up from the network’s account management and customer service teams” are critical, Oslie said. “This service staff is the key for helping the agent to write more business than they otherwise could on their own.”

$46,000,000

2018 Total P/C Revenue

carrier appointments and relationships are through United Agencies, while the other 5% of the appointments are with the individual member agencies, typically because a carrier will not appoint an agency partner group. Stone added that United Agencies represents “all of the major property/casualty carriers” does not restrict access to those carriers “in any way.” The cost to buy-in to United

Agencies is about $2,500 with no commission splits and fees commensurate with volume. “Profit-sharing is paid out based on a member’s production with our profit-sharing carriers,” Stone said. “Members receive 100% of any profit sharing earned. United Agencies purchases agency E&O coverage on a group basis and the cost is shared by the member agencies. INSURANCEJOURNAL.COM

Alliance Network # 19 Insurance

very agency maintains independent ownership in their book of business when they become a member of the Insurance Alliance Network, part of the Alera Group. According to Jane D. Koppenheffer, president, while agency members enjoy the benefits of carrier access, enhanced compensation and additional resources, members often cite the ability to have a “board of peers” to discuss agency operational and strategic issues as the top benefit. To “facilitate this deep sharing and learning atmosphere,” the Insurance Alliance Network has remained intentionally small with only 10 current members, Koppenheffer said. “The size and collaborative nature of our group makes it great option for agencies with similar values looking to join an agency partnership group,” she said. The strategic small size is one of two main distinctions of the Insurance Alliance

Network compared to other agency partnerships, according to Koppenheffer. The other is the strength of being owned by the Alera Group, a $350 million revenue organization. As a former regional carrier executive, Koppenheffer understands both the advantages and disadvantages of agency partnerships from a carrier’s perspective. “If the group is cohesive in their planning and are able to develop specific initiatives with the carrier, the carrier will see a higher degree of goal attainment and growth,” she said. “If the agency partnership group has standards for professionalism and business processes, the carrier will be able to work with higher-quality agencies. One thing she’s sure about: “Agencies that are able to remain independent and not feel pressured to sell to larger

My New Markets

INSURANCEJOURNAL.COM

2018 Total P/C Revenue

organizations in order to preserve market access typically have better relationships and performance with regional carriers than the larger brokers and agencies.” Koppenheffer believes agency networks will continue to grow and be an important component of the agency distribution landscape. “While there is heavy acquisition activity, there are also many new independent agencies being created – some from employees who leave acquired or larger firms to go out on their own, or captive agents becoming independent,” she said. Networks are themselves not immune to consolidation. “To the degree that agencies specialize more in the future, you may see that networks begin to specialize, as well,” she said. “Mergers of groups will be most prevalent among the smaller, more informal networks that exist.”

To give real service you must add something which cannot be bought or measured by money— only sincerity and integrity. Douglas Adams

Parking and Valet Operators Program

Market Detail: U.S. Risk Insurance Group LLC’s (www.usrisk.com) program provides GL and GKLL on a broadened, ISO-based form that has been tailored specifically to meet the coverage needs of businesses engaged in the parking of customers’ cars. This includes self-parking garages and lots, assisted parking, valet parking, and special-events parking. Please e-mail your request for our required supplemental and our list of underwriting requirements. Available limits: As needed Carrier: Various, non-admitted States: All states Contact: Connie Fox at 714-285-4084 or e-mail: connief@usrisk.com

$37,053,881

Frenkel/AIG Psychoanalysts Professional Liability Program For over 40 years, Frenkel & Company has proudly delivered our exclusive insurance products to psychoanalysts industry wide, including APsaA members. This insurance program and other insurance products are a testament of both our knowledge and our commitment to this prestigious industry. We appreciate the opportunity to serve you.

Kenneth C. Hegel, Jr. Senior VP/Unit Manager, Frenkel & Company khegel@frenkel.com // 201-356-0057

FRENKL16571.indd 1

www.frenkel.com

5/11/16 1:15 PM

SEPTEMBER 2, 2019 INSURANCE JOURNAL | 51

Idea Exchange: Agency Partnerships What You Should Know Before Joining an Agency Network

oday is a great time to be an independent agent, but running an independent agency is not easy. Without an awareness of By Matt Masiello how the industry is evolving, and having access to ongoing training and education, you may not be adequately preparing for the future. If you are too busy handling day-to-day business so there is no time to work on growth simultaneously, you could lose your current and potential clients in a hurry. Whether you are a captive or independent agent you need a solid foundation. Ask yourself: Are you a well-known professional in your community? Are you working with carriers that meet your clients’ needs? Are you technologically savvy with a fully automated office? How about a year from now? You need to know how you will drive growth and profitable results in the long term and, with the prevalence of innovation and technology impacting the industry, how to evolve as the industry does. In this context, you may do better as part of a larger team. Many independent agents are joining alliances/networks, clusters and aggregators to generate more revenue, while experienced producers may join to follow their dreams of opening their own independent agency. If you’re consid52 | INSURANCE JOURNAL | SEPTEMBER 2, 2019

ering joining one of these organizations, remember the saying, “Only fools rush in.” If you don’t have the answers before joining, you may regret it in the long run. That’s why it’s important to thoroughly research the differences between the options you’re considering. Here, I will focus on the questions you should ask to make the best choice and to understand the majority of services available to an agent today.

Networks

Networks are valuable in many ways. They can provide a path to building your business, help insurance professionals to own and operate their own independent agency, provide extensive training and education to build personal, commercial and specialty income, and help carriers and independent agents grow, helping the distribution system overall. When evaluating networks, first, understand where your business is today. Before you sign any contract, get granular and review your agency by examining your Strengths, Weaknesses, Opportunities, and Threats (SWOT analysis): • Is your book of business solid? • Have you built a recognizable local brand? • Do you have the technology to interact with clients through multiple channels? • Are there weaknesses that stand out and how are you addressing them?

• •

What opportunities do you have that you have not yet explored? Are there threats to your agency’s survival such as increased competition or high turnover?

Remember, any worthwhile network/ alliance will also perform their due diligence on you and your agency. Recruiters of a quality network will examine your history and production to ensure you have the skills, experience, etc., to succeed. If they don’t, you should question the potential impact of their other members on the organization as a whole and your agency. They should also work with you to identify areas where their organization can help you meet your needs and goals.

Understanding the Fine Print

The network you join should align with your branding and reflect the quality you seek. Without vetting the network properly, you will bring tension to yourself and your team. Here are questions to ask a network before joining. The answers will bring transparency to the relationship and should remove any unpleasant surprises.

1. Short/Long-Term Goals: How will

the network help you obtain your goals in the short and long term? Can they help you become sustainable for the long term? Does the network have a proven track record, service and benefits for the life cycle of your agency? How exactly will you INSURANCEJOURNAL.COM

have access to insurance companies? Will you have access to preferred, standard, E&S and specialty markets and at what compensation levels?

2. Other Services: What are the other

services offered; how are they delivered? Today, just gaining access to markets or aggregating some premiums is not enough for success. Do they have field representatives to act as a go-to resource for a startup agency or existing agency to continue to grow? Is access to services and benefits available 24/7? Will the network help your business grow through training in new markets such as cyber, commercial and niche markets? Will they show you how to become fully automated so your business runs efficiently and creates a seamless experience for your clients? Get specifics on agency development tools, services and training. Meet the people who will provide these services. Ask them to show you their results.

3. Carrier Access and Commissions:

How are carriers accessed and commissions paid? How is new business placed; whose name is on the policies? Do you have the ability to earn direct codes? If you do, are all commissions paid directly to the producing agent by the writing company? How will you qualify for additional profit sharing, bonuses and overrides? How and when are these payments distributed? Does the network measure key performance indicators with you?

4. Contract Details: Does the contract take into account the short and long term, including the ability to leave with clients and carriers? Make sure the contract addresses the beginning, middle and end of the relationship. Understand who owns the business. Make sure that if the affiliation fails, you not only own your clients and accounts, but you also can take your commissions and the ability to represent your insurance companies without restrictions. Some organizations say they don’t have any non-compete restrictions, but they prohibit you from representing your carriers in the event of an exit and provide no alternative path. Ask how the INSURANCEJOURNAL.COM

business will be transferred in the event you terminate.

5. Financial Performance: How has

the network performed financially, with carriers, member agencies and profitability (loss-ratios)? Do they work with successful carriers? How will they help you drive down operating costs and improve your margins? Many new organizations are moving into the market access and insurance distribution business. Make sure you’re not joining a flash-in-the-pan option that is not sustainable for the long-term with proven results.

6. Profitability and Benchmarks: How is the profitability (loss-ratio) and experience of other members monitored to assure that you have income and carrier access down the road? What benchmarks are set for new business, loss-ratios and total premium? Does the network give attention to book quality? For profit sharing, incentives and overrides, how is compensation earned and distributed? Ask for complete transparency and examples.

Comparing Other Distribution Models?

Aggregators and clusters may boost profits without providing any ongoing training and education. Make sure you are confident that you have everything you need before choosing an aggregator or cluster vs. a network. Understand the advantages and disadvantages of each before you decide. With aggregators, agents get access to insurance carriers’ contracts. Aggregators provide market access and aggregate premium, sometimes adding compensation but without support services or tools. They tend to be transaction-oriented, based on writing and placing policies, not focused on helping you grow your overall agency. Clusters can be a formal joint venture or a loose affiliation to combine books in order to receive higher commissions or profit sharing. Members maintain ownership of their accounts and agency and operate individually. Generally, clusters are formed to increase income by combining carrier volumes. If you opt for this route, make sure you understand how premiums

with carriers will be replaced, to prevent reductions in contingencies, if members sell or leave. Whether you want to move from an exclusive agency model and open an independent agency, or you’re an independent agent who wants to increase stability long-term, joining a network can ensure you maintain your competitive edge. Quality agency networks offer not only increased carrier access, but also the ongoing training and education, as well as additional support services your agency needs to thrive well into the future. At the end of your research on a potential network partner, ask yourself: “Through this process, does it seem that my overall agency’s success is as important to the alliance as it is to me, or are they just focused on placing business and receiving fees or commissions?” Your response to that speaks volumes about what you really learned. Masiello is CEO of SIAA, the largest alliance of independent agencies. Email: mattm@siaa.net.

Advertisers Index Applied Underwriters www.auw.com 2, 3, 53 City of Hope www.cityofhope.org 55 Encova Insurance www.encova.com S1, M1 EZLynx www.ezlynx.com 9 Frenkel & Company www.cosmeticinsurance.com 51 InsurBanc www.insurbanc.com 31 Liberty Mutual www.libertymutualgroup.com/business 7 Louisiana Commerce & Trade Assoc. www.lctacomp.com SC3, S3 M.J. Hall & Company www.mjhallandcompany.com W3 Monarch E&S Insurance Services www.monarchexcess.com W1 NBIS www.nbis.com 20 ProAssurance Companies www.proassurance.com 11 Shield Commercial Insurance Services www.shieldins.net 21 SIAA www.siaa.net 14, 15 SIS Wholesale www.sisinsure.com 17 Surplus Lines Association of California www.slacal.com W4 Texas Mutual www.texasmutual.com SC1 The Hartford Insurance Group www.thehartford.com 1, 5 TWFG - The Woodlands Financial Group www.twfg.com 13

SEPTEMBER 2, 2019 INSURANCE JOURNAL | 53

Closing Quote Deadly Weapon Protection and Crisis Response

By Joe Gilliland

Insurance products have developed in recent years to combine traditional risk transfer with crisis response and risk management provided by experts in the field.

he shooting in Dayton, Ohio, August 4, became the 247th mass shooting in the U.S. in 2019. At an average of more than one mass shooting per day, statistics highlight the need for awareness among organizations of all sizes about how to protect people and assets and, where possible, reduce risks of an attack. While some perpetrators of mass shootings publicize their motive, often using social media to espouse extreme beliefs or identify targets, such media-grabbing behavior is not typical. (As defined by gunviolencearchive.org, a mass shooting incident is considered an event where four or more people are shot or killed, excluding the assailant.) Terrorism has changed in terms of perpetrators and their beliefs. The frequency and methods of attack have also changed. This makes risk more complex and emphasizes the importance of organizations being prepared. Failure to handle a situation professionally and with due care can have consequences for individuals’ safety and cause damage to an organization’s reputation. Ensuring staff are educated on the risks and having a clear risk management and crisis response plan could make the difference in an incident and in dealing with the aftermath. For these reasons, insurance products have developed to combine traditional risk transfer with crisis response and risk management provided by experts in the field. Today, the market offers deadly

54 | INSURANCE JOURNAL | SEPTEMBER 2, 2019

weapon protection policies that also combine crisis response services. Through service-led policies, response experts will audit organizations’ premises and crisis planning, and offer educational training and resources that can be shared with employees. Should an attack take place, they will provide security as well as services including crisis PR and counseling for victims and families. In a live crisis, one of the first things the response team will do is identify who the stakeholders are, what communications need to go to them, who is responsible for communication and through which channels. By combining these crisis management services with a strong insurance indemnification pillar, carriers have created robust offerings designed to respond to incidents involving deadly weapons on a primary basis. Coverage can be purchased for third-party liability as well as first-party property damage and business interruption. The definition of a deadly weapon is at times deliberately broad, and in response to the increase in incidents involving

vehicles and other items that have been repurposed as weapons. Policies can be triggered merely by a weapon being brandished. Today, coverage can be adapted depending on the insured’s need, with extensions including loss of attraction, loss of tuition fees for schools, and demolition, clearance and memorialization. As risks become more complex, it is important for the broker and client to be aware of the availability of specialist products and the limitations of a general liability policy. GL policies were not designed to respond to shootings and, for clients, having the correct coverage is becoming an issue of good corporate governance. As we have seen in recent months, these incidents can occur anywhere at any time, and it is vital that risk managers and business owners have a clear plan in place and are aware of how their insurance will respond should they fall victim to an attack. Based in New York, Gilliland is the focus group lead for Beazley’s U.S. Terrorism and Political Violence. Email: joseph.gilliland@beazley.com. INSURANCEJOURNAL.COM

September

2019 2019 N ATION A L INSUR A NCE INDUS TRY COUNCIL N ATION A L INSUR A NCE INDUS TRY COUNC IL

Fighting cancer like the common cold

MAGINE HARNESSING HARNESSING YOUR YOUR OWN OWN BODY’S BODY’S IMMUNE IMMUNE SYSTEM SYSTEM MAGINE

to treat treat cancer cancer like like the the common common cold. cold. City City of of Hope Hope is is aa national national to leader in cancer immunotherapeutics and tumor immunology leader in cancer immunotherapeutics and tumor immunology research, with with an an infrastructure infrastructure unmatched unmatched by by any any other other research, biomedical institution institution in in the the United United States. States. biomedical

At City City of of Hope, Hope, immunotherapies immunotherapies such such as as T T cell cell therapy, therapy, which which At uses specialized cells produced by the immune system to target uses specialized cells produced by the immune system to target and kill cancer cells, and immune checkpoint blockade, which and kill cancer cells, and immune checkpoint blockade, which enhances the immune system to attack and kill tumor cells, enhances the immune system to attack and kill tumor cells, are actively in use. These therapies are not only effective for are actively in use. These therapies are not only effective for

patients with with metastatic metastatic cancer cancer but but also also provide provide renewed renewed hope hope patients to patients patients with with advanced advanced stage stage cancers. cancers. to For more more than than 41 41 years, years, the the National National Insurance Insurance Industry Industry Council Council For has supported City of Hope in its mission to find the cures to has supported City of Hope in its mission to find the cures to cancer, diabetes and other life-threatening illnesses. cancer, diabetes and other life-threatening illnesses. To date, date, you you have have helped helped raise raise more more than than $35 $35 million million which which has has To helped more than 100 million patients around the world each helped more than 100 million patients around the world each year. Join us in our 2019 fundraising campaign honoring Alan year. Join us in our 2019 fundraising campaign honoring Alan Jay Kaufman of the H.W. Kaufman Group and help bring hope Jay Kaufman of the H.W. Kaufman Group and help bring hope to those who need it most. to those who need it most.

2019 National National Insurance Insurance Industry Industry Council Council 2019 campaign honoring Alan Jay Kaufman of campaign honoring Alan Jay Kaufman of

H.W. Kaufman Group H.W. Kaufman Group

ALAN JAY KAUFMAN ALAN JAY KAUFMAN 2019 Spirit of Life® Honoree 2019 Spirit of Life® Honoree Chairman, President and CEO Chairman, President and CEO H.W. Kaufman Group H.W. Kaufman Group Burns & Wilcox Burns & Wilcox

For more information on City of Hope’s National Insurance Industry Council, For more information on Cityorofcontact Hope’sKen National Industry Council, visit CityofHope.org/niic BirkettInsurance at kenbirkett@coh.org. visit CityofHope.org/niic or contact Ken Birkett at kenbirkett@coh.org.

CityofHope.org CityofHope.org

Expect big things in workers’ compensation. Most classes approved, nationwide. It pays to get a quote from Applied.® For information call (877) 234-4450 or visit auw.com/us. Follow us at bigdoghq.com.